Home > The Peoples State Bank of Newton, Illinois > Performance and Condition Ratios
The Peoples State Bank of Newton, Illinois, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 2,802 |
| Cost of funding earning assets | 1.5223% | 1,888 |
| Net interest margin | 3.1171% | 3,063 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 1.9346% | 3,765 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1347% | 1,817 |
| Return on assets (ROA) | 1.1075% | 1,873 |
| Pretax return on assets | 1.5002% | 1,420 |
| Return on Equity (ROE) | 15.1300% | 1,262 |
| Retained earnings to average equity (ytd only) | 11.4461% | 710 |
| Net charge-offs to loans | 0.0216% | 1,903 |
| Credit loss provision to net charge-offs | 290.6977% | 977 |
| Earnings coverage of net charge-offs (x) | 118.5349% | 825 |
| Efficiency ratio | 51.1502% | 3,898 |
| Assets per employee ($millions) | 7.3704% | 1,829 |
| Cash dividends to net income (ytd only)* | 24.3243% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 2,063 |
| Loan loss allowance to noncurrent loans | 901.0256% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 2,941 |
| Noncurrent loans to loans | 0.1378% | 2,822 |
| Net loans and leases to total assets | 62.5300% | 2,624 |
| Net loans and leases to deposits | 75.0761% | 2,539 |
| Net loans and leases to core deposits | 88.4601% | 2,153 |
| Total domestic deposits to total assets | 83.2900% | 2,809 |
| Equity capital to assets | 7.7362% | 3,583 |
| Core capital (leverage) ratio | 10.3782% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $641,462,800 | 1,394 |
| Average earning assets | $602,382,600 | 1,373 |
| Average equity | $46,967,800 | 1,681 |
| Average total loans | $398,549,200 | 1,476 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 2,773 |
| Cost of funding earning assets | 1.3883% | 1,901 |
| Net interest margin | 3.1740% | 2,976 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 1.8960% | 3,809 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2177% | 1,742 |
| Return on assets (ROA) | 1.2058% | 1,772 |
| Pretax return on assets | 1.6147% | 1,318 |
| Return on Equity (ROE) | 16.7200% | 1,130 |
| Retained earnings to average equity (ytd only) | 15.0389% | 550 |
| Net charge-offs to loans | 0.0163% | 1,813 |
| Credit loss provision to net charge-offs | 572.9167% | 573 |
| Earnings coverage of net charge-offs (x) | 167.2292% | 677 |
| Efficiency ratio | 49.1757% | 3,973 |
| Assets per employee ($millions) | 6.7729% | 2,124 |
| Cash dividends to net income (ytd only)* | 10.0436% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 1,827 |
| Loan loss allowance to noncurrent loans | 1,115.8996% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,106 |
| Noncurrent loans to loans | 0.1173% | 2,981 |
| Net loans and leases to total assets | 62.5200% | 2,598 |
| Net loans and leases to deposits | 76.9347% | 2,341 |
| Net loans and leases to core deposits | 86.2115% | 2,175 |
| Total domestic deposits to total assets | 81.2700% | 3,339 |
| Equity capital to assets | 6.8866% | 3,671 |
| Core capital (leverage) ratio | 10.4621% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $634,153,000 | 1,406 |
| Average earning assets | $596,283,500 | 1,387 |
| Average equity | $45,738,000 | 1,700 |
| Average total loans | $392,019,000 | 1,486 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 2,928 |
| Cost of funding earning assets | 1.2007% | 1,991 |
| Net interest margin | 3.1819% | 3,031 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 1.9558% | 3,701 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2176% | 1,785 |
| Return on assets (ROA) | 1.1996% | 1,822 |
| Pretax return on assets | 1.6036% | 1,410 |
| Return on Equity (ROE) | 16.3800% | 1,204 |
| Retained earnings to average equity (ytd only) | 14.7185% | 595 |
| Net charge-offs to loans | 0.0098% | 1,834 |
| Credit loss provision to net charge-offs | 789.4737% | 483 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 482 |
| Efficiency ratio | 50.1790% | 3,914 |
| Assets per employee ($millions) | 7.0427% | 1,893 |
| Cash dividends to net income (ytd only)* | 10.1453% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,919 |
| Loan loss allowance to noncurrent loans | 221.3863% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,457 |
| Noncurrent loans to loans | 0.5887% | 1,276 |
| Net loans and leases to total assets | 61.2200% | 2,648 |
| Net loans and leases to deposits | 76.3654% | 2,275 |
| Net loans and leases to core deposits | 84.4356% | 2,187 |
| Total domestic deposits to total assets | 80.1700% | 3,550 |
| Equity capital to assets | 7.3980% | 3,579 |
| Core capital (leverage) ratio | 10.3768% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $631,061,667 | 1,407 |
| Average earning assets | $595,309,667 | 1,393 |
| Average equity | $46,214,000 | 1,692 |
| Average total loans | $386,816,333 | 1,490 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,913 |
| Cost of funding earning assets | 0.9587% | 2,186 |
| Net interest margin | 3.2960% | 2,886 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 1.9254% | 3,804 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.4134% | 1,371 |
| Return on assets (ROA) | 1.4134% | 1,342 |
| Pretax return on assets | 1.8875% | 926 |
| Return on Equity (ROE) | 19.4000% | 826 |
| Retained earnings to average equity (ytd only) | 17.7096% | 538 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.3394% | 4,198 |
| Assets per employee ($millions) | 6.7005% | 2,194 |
| Cash dividends to net income (ytd only)* | 8.7273% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,797 |
| Loan loss allowance to noncurrent loans | 257.9393% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3190% | 1,572 |
| Noncurrent loans to loans | 0.5253% | 1,409 |
| Net loans and leases to total assets | 59.9000% | 2,660 |
| Net loans and leases to deposits | 75.1080% | 2,192 |
| Net loans and leases to core deposits | 78.7840% | 2,333 |
| Total domestic deposits to total assets | 79.7500% | 3,795 |
| Equity capital to assets | 7.5456% | 3,539 |
| Core capital (leverage) ratio | 10.5589% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $622,627,000 | 1,452 |
| Average earning assets | $586,645,000 | 1,425 |
| Average equity | $45,354,000 | 1,731 |
| Average total loans | $379,262,000 | 1,527 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 2,528 |
| Cost of funding earning assets | 0.3694% | 2,336 |
| Net interest margin | 3.3280% | 2,487 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.9573% | 3,689 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.2862% | 1,482 |
| Return on assets (ROA) | 1.2678% | 1,489 |
| Pretax return on assets | 1.6822% | 964 |
| Return on Equity (ROE) | 15.8600% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.2638% | 473 |
| Net charge-offs to loans | -0.0310% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.9175% | 4,190 |
| Assets per employee ($millions) | 6.5469% | 2,301 |
| Cash dividends to net income (ytd only)* | 16.3823% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,705 |
| Loan loss allowance to noncurrent loans | 275.2039% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 1,662 |
| Noncurrent loans to loans | 0.4890% | 1,477 |
| Net loans and leases to total assets | 60.2900% | 2,608 |
| Net loans and leases to deposits | 73.7218% | 2,276 |
| Net loans and leases to core deposits | 76.6133% | 2,380 |
| Total domestic deposits to total assets | 81.7800% | 3,653 |
| Equity capital to assets | 7.0168% | 3,657 |
| Core capital (leverage) ratio | 10.6496% | 2,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $600,880,200 | 1,477 |
| Average earning assets | $569,021,600 | 1,456 |
| Average equity | $48,025,400 | 1,673 |
| Average total loans | $348,482,600 | 1,551 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 2,427 |
| Cost of funding earning assets | 0.2871% | 2,308 |
| Net interest margin | 3.2803% | 2,359 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 1.7107% | 4,132 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4340% | 996 |
| Return on assets (ROA) | 1.4343% | 971 |
| Pretax return on assets | 1.9045% | 578 |
| Return on Equity (ROE) | 17.4000% | 726 |
| Retained earnings to average equity (ytd only) | 17.3987% | 190 |
| Net charge-offs to loans | -0.0585% | 4,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.8032% | 4,498 |
| Assets per employee ($millions) | 6.0719% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,493 |
| Loan loss allowance to noncurrent loans | 407.1255% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 2,194 |
| Noncurrent loans to loans | 0.3525% | 1,971 |
| Net loans and leases to total assets | 58.0300% | 2,693 |
| Net loans and leases to deposits | 67.5297% | 2,576 |
| Net loans and leases to core deposits | 69.9448% | 2,648 |
| Total domestic deposits to total assets | 85.9300% | 3,081 |
| Equity capital to assets | 6.7724% | 3,628 |
| Core capital (leverage) ratio | 10.6838% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $597,248,500 | 1,496 |
| Average earning assets | $566,557,500 | 1,464 |
| Average equity | $49,236,250 | 1,662 |
| Average total loans | $341,583,250 | 1,564 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4545% | 2,282 |
| Cost of funding earning assets | 0.2618% | 2,122 |
| Net interest margin | 3.1928% | 2,207 |
| Noninterest income to average assets | 0.5090% | 2,150 |
| Noninterest expense to average assets | 1.6392% | 4,238 |
| Loan and lease loss provision to assets | 0.0502% | 1,682 |
| Net operating income to assets | 1.4009% | 905 |
| Return on assets (ROA) | 1.4014% | 881 |
| Pretax return on assets | 1.8596% | 513 |
| Return on Equity (ROE) | 16.0489% | 692 |
| Retained earnings to average equity (ytd only) | 16.0489% | 187 |
| Net charge-offs to loans | -0.1234% | 4,492 |
| Credit loss provision to net charge-offs | -71.7703% | 3,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2000% | 4,564 |
| Assets per employee ($millions) | 6.1130% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,528 |
| Loan loss allowance to noncurrent loans | 405.9109% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,287 |
| Noncurrent loans to loans | 0.3590% | 2,071 |
| Net loans and leases to total assets | 56.5795% | 2,690 |
| Net loans and leases to deposits | 65.7985% | 2,561 |
| Net loans and leases to core deposits | 67.7878% | 2,671 |
| Total domestic deposits to total assets | 85.9890% | 3,250 |
| Equity capital to assets | 7.5658% | 3,425 |
| Core capital (leverage) ratio | 10.2342% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,981,000 | 1,497 |
| Average earning assets | $569,220,333 | 1,470 |
| Average equity | $52,215,333 | 1,627 |
| Average total loans | $338,669,667 | 1,570 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 2,225 |
| Cost of funding earning assets | 0.2693% | 1,937 |
| Net interest margin | 3.0868% | 2,216 |
| Noninterest income to average assets | 0.5048% | 2,119 |
| Noninterest expense to average assets | 1.6403% | 4,230 |
| Loan and lease loss provision to assets | 0.0502% | 1,468 |
| Net operating income to assets | 1.3237% | 951 |
| Return on assets (ROA) | 1.3237% | 940 |
| Pretax return on assets | 1.7615% | 600 |
| Return on Equity (ROE) | 14.2076% | 795 |
| Retained earnings to average equity (ytd only) | 14.2076% | 361 |
| Net charge-offs to loans | -0.0393% | 4,179 |
| Credit loss provision to net charge-offs | -227.2727% | 2,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4057% | 4,575 |
| Assets per employee ($millions) | 6.0942% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 1,850 |
| Loan loss allowance to noncurrent loans | 268.6795% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 1,947 |
| Noncurrent loans to loans | 0.5268% | 1,715 |
| Net loans and leases to total assets | 54.9677% | 2,639 |
| Net loans and leases to deposits | 63.2696% | 2,594 |
| Net loans and leases to core deposits | 64.8737% | 2,728 |
| Total domestic deposits to total assets | 86.8785% | 2,970 |
| Equity capital to assets | 8.4686% | 3,186 |
| Core capital (leverage) ratio | 9.8919% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,434,500 | 1,508 |
| Average earning assets | $570,420,500 | 1,477 |
| Average equity | $55,660,500 | 1,582 |
| Average total loans | $336,021,500 | 1,570 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5911% | 2,417 |
| Cost of funding earning assets | 0.2992% | 2,411 |
| Net interest margin | 3.2920% | 2,334 |
| Noninterest income to average assets | 0.5678% | 2,288 |
| Noninterest expense to average assets | 1.9663% | 3,780 |
| Loan and lease loss provision to assets | 0.1337% | 910 |
| Net operating income to assets | 1.2148% | 1,880 |
| Return on assets (ROA) | 1.2180% | 1,911 |
| Pretax return on assets | 1.6196% | 1,371 |
| Return on Equity (ROE) | 11.5494% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.6804% | 1,663 |
| Net charge-offs to loans | 0.0987% | 862 |
| Credit loss provision to net charge-offs | 232.1981% | 1,217 |
| Earnings coverage of net charge-offs (x) | 30.3684% | 1,597 |
| Efficiency ratio | 48.8169% | 4,360 |
| Assets per employee ($millions) | 5.9752% | 2,801 |
| Cash dividends to net income (ytd only)* | 33.4993% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 1,969 |
| Loan loss allowance to noncurrent loans | 245.2820% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 1,956 |
| Noncurrent loans to loans | 0.5652% | 1,723 |
| Net loans and leases to total assets | 55.9545% | 2,621 |
| Net loans and leases to deposits | 66.9347% | 2,416 |
| Net loans and leases to core deposits | 68.9274% | 2,558 |
| Total domestic deposits to total assets | 83.5956% | 3,665 |
| Equity capital to assets | 10.1814% | 2,487 |
| Core capital (leverage) ratio | 9.7641% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $560,750,800 | 1,540 |
| Average earning assets | $536,181,200 | 1,504 |
| Average equity | $59,137,200 | 1,527 |
| Average total loans | $327,387,200 | 1,600 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5869% | 2,596 |
| Cost of funding earning assets | 0.3097% | 2,500 |
| Net interest margin | 3.2772% | 2,485 |
| Noninterest income to average assets | 0.5598% | 2,374 |
| Noninterest expense to average assets | 1.7490% | 4,257 |
| Loan and lease loss provision to assets | 0.1325% | 863 |
| Net operating income to assets | 1.3584% | 1,658 |
| Return on assets (ROA) | 1.3628% | 1,705 |
| Pretax return on assets | 1.8161% | 1,124 |
| Return on Equity (ROE) | 12.8042% | 1,763 |
| Retained earnings to average equity (ytd only) | 9.8869% | 1,359 |
| Net charge-offs to loans | 0.0258% | 1,525 |
| Credit loss provision to net charge-offs | 873.0159% | 554 |
| Earnings coverage of net charge-offs (x) | 127.9365% | 748 |
| Efficiency ratio | 43.1734% | 4,618 |
| Assets per employee ($millions) | 5.9680% | 2,728 |
| Cash dividends to net income (ytd only)* | 22.7844% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,989 |
| Loan loss allowance to noncurrent loans | 215.8956% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 1,925 |
| Noncurrent loans to loans | 0.6525% | 1,678 |
| Net loans and leases to total assets | 56.9745% | 2,616 |
| Net loans and leases to deposits | 67.2417% | 2,520 |
| Net loans and leases to core deposits | 69.3105% | 2,653 |
| Total domestic deposits to total assets | 84.7310% | 3,206 |
| Equity capital to assets | 10.4931% | 2,465 |
| Core capital (leverage) ratio | 10.0079% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $553,051,750 | 1,576 |
| Average earning assets | $528,615,750 | 1,536 |
| Average equity | $58,864,500 | 1,555 |
| Average total loans | $325,321,500 | 1,636 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4587% | 3,009 |
| Cost of funding earning assets | 0.3200% | 2,584 |
| Net interest margin | 3.1386% | 2,931 |
| Noninterest income to average assets | 0.5433% | 2,436 |
| Noninterest expense to average assets | 1.7027% | 4,356 |
| Loan and lease loss provision to assets | 0.1378% | 886 |
| Net operating income to assets | 1.2791% | 1,925 |
| Return on assets (ROA) | 1.2857% | 1,981 |
| Pretax return on assets | 1.7089% | 1,458 |
| Return on Equity (ROE) | 12.0196% | 2,055 |
| Retained earnings to average equity (ytd only) | 11.0306% | 1,116 |
| Net charge-offs to loans | 0.0230% | 1,485 |
| Credit loss provision to net charge-offs | 1,013.5135% | 464 |
| Earnings coverage of net charge-offs (x) | 135.2432% | 629 |
| Efficiency ratio | 43.6145% | 4,634 |
| Assets per employee ($millions) | 5.6704% | 2,940 |
| Cash dividends to net income (ytd only)* | 8.2286% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,116 |
| Loan loss allowance to noncurrent loans | 216.3033% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 2,096 |
| Noncurrent loans to loans | 0.6323% | 1,830 |
| Net loans and leases to total assets | 58.6301% | 2,587 |
| Net loans and leases to deposits | 69.9258% | 2,416 |
| Net loans and leases to core deposits | 72.0751% | 2,598 |
| Total domestic deposits to total assets | 83.8462% | 3,482 |
| Equity capital to assets | 10.6343% | 2,281 |
| Core capital (leverage) ratio | 9.8970% | 2,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,438,333 | 1,588 |
| Average earning assets | $519,969,667 | 1,547 |
| Average equity | $58,238,000 | 1,564 |
| Average total loans | $322,250,667 | 1,656 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 3,111 |
| Cost of funding earning assets | 0.3341% | 2,670 |
| Net interest margin | 3.0998% | 2,987 |
| Noninterest income to average assets | 0.5247% | 2,506 |
| Noninterest expense to average assets | 1.6814% | 4,410 |
| Loan and lease loss provision to assets | 0.1119% | 1,238 |
| Net operating income to assets | 1.2603% | 1,945 |
| Return on assets (ROA) | 1.2680% | 2,003 |
| Pretax return on assets | 1.6978% | 1,495 |
| Return on Equity (ROE) | 11.8174% | 2,084 |
| Retained earnings to average equity (ytd only) | 10.8158% | 1,443 |
| Net charge-offs to loans | -0.0227% | 4,058 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6656% | 4,600 |
| Assets per employee ($millions) | 5.5005% | 3,117 |
| Cash dividends to net income (ytd only)* | 8.4756% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,966 |
| Loan loss allowance to noncurrent loans | 142.8943% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 1,691 |
| Noncurrent loans to loans | 0.9783% | 1,385 |
| Net loans and leases to total assets | 56.3452% | 2,993 |
| Net loans and leases to deposits | 66.2633% | 2,892 |
| Net loans and leases to core deposits | 68.2754% | 3,038 |
| Total domestic deposits to total assets | 85.0323% | 3,079 |
| Equity capital to assets | 10.3961% | 2,359 |
| Core capital (leverage) ratio | 10.0438% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $535,975,000 | 1,595 |
| Average earning assets | $511,257,000 | 1,559 |
| Average equity | $57,508,500 | 1,572 |
| Average total loans | $316,529,500 | 1,679 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9337% | 2,927 |
| Cost of funding earning assets | 0.5525% | 2,596 |
| Net interest margin | 3.3812% | 2,830 |
| Noninterest income to average assets | 0.5929% | 2,238 |
| Noninterest expense to average assets | 2.1721% | 3,752 |
| Loan and lease loss provision to assets | 0.2576% | 1,508 |
| Net operating income to assets | 1.0402% | 2,140 |
| Return on assets (ROA) | 1.0762% | 2,145 |
| Pretax return on assets | 1.4148% | 1,609 |
| Return on Equity (ROE) | 9.4222% | 2,231 |
| Retained earnings to average equity (ytd only) | 7.3436% | 1,262 |
| Net charge-offs to loans | 0.1762% | 951 |
| Credit loss provision to net charge-offs | 221.2389% | 2,061 |
| Earnings coverage of net charge-offs (x) | 13.9717% | 2,248 |
| Efficiency ratio | 52.4845% | 4,349 |
| Assets per employee ($millions) | 5.1674% | 3,202 |
| Cash dividends to net income (ytd only)* | 22.0605% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,284 |
| Loan loss allowance to noncurrent loans | 142.5776% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 1,846 |
| Noncurrent loans to loans | 0.9299% | 1,514 |
| Net loans and leases to total assets | 60.2629% | 2,826 |
| Net loans and leases to deposits | 72.6076% | 2,628 |
| Net loans and leases to core deposits | 74.8893% | 2,829 |
| Total domestic deposits to total assets | 82.9981% | 3,411 |
| Equity capital to assets | 11.0813% | 2,190 |
| Core capital (leverage) ratio | 9.9834% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,244,400 | 1,594 |
| Average earning assets | $460,097,600 | 1,561 |
| Average equity | $55,422,400 | 1,550 |
| Average total loans | $320,666,000 | 1,610 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 2,930 |
| Cost of funding earning assets | 0.6010% | 2,610 |
| Net interest margin | 3.4141% | 2,872 |
| Noninterest income to average assets | 0.5716% | 2,297 |
| Noninterest expense to average assets | 2.0150% | 4,118 |
| Loan and lease loss provision to assets | 0.2661% | 1,528 |
| Net operating income to assets | 1.1534% | 1,810 |
| Return on assets (ROA) | 1.2023% | 1,756 |
| Pretax return on assets | 1.5851% | 1,223 |
| Return on Equity (ROE) | 10.4413% | 1,861 |
| Retained earnings to average equity (ytd only) | 9.5657% | 853 |
| Net charge-offs to loans | 0.1511% | 968 |
| Credit loss provision to net charge-offs | 260.9890% | 1,890 |
| Earnings coverage of net charge-offs (x) | 17.5522% | 2,006 |
| Efficiency ratio | 48.1890% | 4,597 |
| Assets per employee ($millions) | 5.1896% | 3,028 |
| Cash dividends to net income (ytd only)* | 8.3857% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,128 |
| Loan loss allowance to noncurrent loans | 125.4407% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 1,741 |
| Noncurrent loans to loans | 1.0424% | 1,432 |
| Net loans and leases to total assets | 62.5224% | 2,943 |
| Net loans and leases to deposits | 74.5731% | 2,904 |
| Net loans and leases to core deposits | 76.9865% | 3,098 |
| Total domestic deposits to total assets | 83.8404% | 2,872 |
| Equity capital to assets | 11.5291% | 1,983 |
| Core capital (leverage) ratio | 10.3806% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $476,079,250 | 1,599 |
| Average earning assets | $450,782,250 | 1,567 |
| Average equity | $54,819,500 | 1,556 |
| Average total loans | $321,147,250 | 1,607 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,016 |
| Cost of funding earning assets | 0.6544% | 2,668 |
| Net interest margin | 3.4595% | 2,917 |
| Noninterest income to average assets | 0.5308% | 2,436 |
| Noninterest expense to average assets | 1.9872% | 4,255 |
| Loan and lease loss provision to assets | 0.2774% | 1,542 |
| Net operating income to assets | 1.1122% | 1,927 |
| Return on assets (ROA) | 1.1867% | 1,811 |
| Pretax return on assets | 1.6317% | 1,153 |
| Return on Equity (ROE) | 10.3102% | 1,878 |
| Retained earnings to average equity (ytd only) | 9.4204% | 905 |
| Net charge-offs to loans | 0.0130% | 2,500 |
| Credit loss provision to net charge-offs | 3,095.2381% | 349 |
| Earnings coverage of net charge-offs (x) | 202.5238% | 441 |
| Efficiency ratio | 47.4074% | 4,664 |
| Assets per employee ($millions) | 4.9482% | 3,239 |
| Cash dividends to net income (ytd only)* | 8.6300% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,125 |
| Loan loss allowance to noncurrent loans | 91.3672% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9509% | 1,276 |
| Noncurrent loans to loans | 1.3959% | 1,111 |
| Net loans and leases to total assets | 67.2508% | 2,465 |
| Net loans and leases to deposits | 80.1188% | 2,408 |
| Net loans and leases to core deposits | 82.8433% | 2,710 |
| Total domestic deposits to total assets | 83.9389% | 2,764 |
| Equity capital to assets | 11.6282% | 1,892 |
| Core capital (leverage) ratio | 10.5471% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,706,000 | 1,591 |
| Average earning assets | $443,184,000 | 1,564 |
| Average equity | $53,946,667 | 1,561 |
| Average total loans | $322,992,000 | 1,582 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 3,149 |
| Cost of funding earning assets | 0.7197% | 2,841 |
| Net interest margin | 3.4999% | 2,986 |
| Noninterest income to average assets | 0.5520% | 2,271 |
| Noninterest expense to average assets | 2.1742% | 4,074 |
| Loan and lease loss provision to assets | 0.1296% | 2,099 |
| Net operating income to assets | 1.1222% | 1,777 |
| Return on assets (ROA) | 1.2041% | 1,617 |
| Pretax return on assets | 1.6576% | 932 |
| Return on Equity (ROE) | 10.5180% | 1,566 |
| Retained earnings to average equity (ytd only) | 9.6126% | 823 |
| Net charge-offs to loans | 0.0087% | 2,247 |
| Credit loss provision to net charge-offs | 2,142.8571% | 325 |
| Earnings coverage of net charge-offs (x) | 278.4286% | 254 |
| Efficiency ratio | 51.5226% | 4,579 |
| Assets per employee ($millions) | 4.8366% | 2,830 |
| Cash dividends to net income (ytd only)* | 8.6083% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,871 |
| Loan loss allowance to noncurrent loans | 95.5146% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8320% | 1,612 |
| Noncurrent loans to loans | 1.2158% | 1,344 |
| Net loans and leases to total assets | 67.5306% | 2,611 |
| Net loans and leases to deposits | 82.2151% | 2,428 |
| Net loans and leases to core deposits | 85.9273% | 2,687 |
| Total domestic deposits to total assets | 82.1389% | 3,374 |
| Equity capital to assets | 11.5812% | 2,372 |
| Core capital (leverage) ratio | 10.5441% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $463,073,000 | 1,558 |
| Average earning assets | $437,380,000 | 1,530 |
| Average equity | $53,014,000 | 1,572 |
| Average total loans | $321,010,500 | 1,558 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3036% | 3,536 |
| Cost of funding earning assets | 0.7501% | 2,918 |
| Net interest margin | 3.5535% | 3,279 |
| Noninterest income to average assets | 0.6314% | 2,088 |
| Noninterest expense to average assets | 2.2849% | 3,979 |
| Loan and lease loss provision to assets | 0.2457% | 759 |
| Net operating income to assets | 1.1057% | 2,419 |
| Return on assets (ROA) | 1.1263% | 2,444 |
| Pretax return on assets | 1.4770% | 1,878 |
| Return on Equity (ROE) | 10.2674% | 2,174 |
| Retained earnings to average equity (ytd only) | 8.0694% | 954 |
| Net charge-offs to loans | 0.3148% | 659 |
| Credit loss provision to net charge-offs | 112.8385% | 2,226 |
| Earnings coverage of net charge-offs (x) | 7.7924% | 2,842 |
| Efficiency ratio | 52.6411% | 4,556 |
| Assets per employee ($millions) | 4.7612% | 2,880 |
| Cash dividends to net income (ytd only)* | 21.4078% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,006 |
| Loan loss allowance to noncurrent loans | 97.7907% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 1,628 |
| Noncurrent loans to loans | 1.1149% | 1,356 |
| Net loans and leases to total assets | 69.5582% | 2,470 |
| Net loans and leases to deposits | 84.0634% | 2,326 |
| Net loans and leases to core deposits | 87.8229% | 2,620 |
| Total domestic deposits to total assets | 82.7449% | 3,291 |
| Equity capital to assets | 11.3146% | 2,691 |
| Core capital (leverage) ratio | 10.1486% | 3,356 |
| Tier 1 risk-based capital ratio | 12.8764% | 3,856 |
| Total risk-based capital ratio | 13.8548% | 3,894 |
| Memoranda: | ||
| Average total assets | $457,880,800 | 1,524 |
| Average earning assets | $431,687,000 | 1,497 |
| Average equity | $50,227,000 | 1,592 |
| Average total loans | $316,659,800 | 1,538 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 3,687 |
| Cost of funding earning assets | 0.7617% | 2,912 |
| Net interest margin | 3.5270% | 3,485 |
| Noninterest income to average assets | 0.6405% | 2,029 |
| Noninterest expense to average assets | 2.1204% | 4,326 |
| Loan and lease loss provision to assets | 0.1240% | 1,571 |
| Net operating income to assets | 1.2688% | 1,954 |
| Return on assets (ROA) | 1.2963% | 1,960 |
| Pretax return on assets | 1.7550% | 1,194 |
| Return on Equity (ROE) | 11.9117% | 1,650 |
| Retained earnings to average equity (ytd only) | 10.9464% | 537 |
| Net charge-offs to loans | 0.0924% | 1,551 |
| Credit loss provision to net charge-offs | 194.9541% | 1,344 |
| Earnings coverage of net charge-offs (x) | 28.9908% | 1,662 |
| Efficiency ratio | 48.7045% | 4,812 |
| Assets per employee ($millions) | 5.0759% | 2,469 |
| Cash dividends to net income (ytd only)* | 8.1045% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,922 |
| Loan loss allowance to noncurrent loans | 72.4435% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 1,198 |
| Noncurrent loans to loans | 1.5483% | 962 |
| Net loans and leases to total assets | 69.0892% | 2,610 |
| Net loans and leases to deposits | 81.7529% | 2,716 |
| Net loans and leases to core deposits | 85.1924% | 2,972 |
| Total domestic deposits to total assets | 84.5099% | 2,626 |
| Equity capital to assets | 11.3620% | 2,787 |
| Core capital (leverage) ratio | 10.0574% | 3,583 |
| Tier 1 risk-based capital ratio | 13.1873% | 3,744 |
| Total risk-based capital ratio | 14.2158% | 3,766 |
| Memoranda: | ||
| Average total assets | $456,892,250 | 1,537 |
| Average earning assets | $430,606,250 | 1,516 |
| Average equity | $49,720,000 | 1,609 |
| Average total loans | $314,628,500 | 1,556 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 3,841 |
| Cost of funding earning assets | 0.7468% | 2,908 |
| Net interest margin | 3.4853% | 3,643 |
| Noninterest income to average assets | 0.6212% | 2,059 |
| Noninterest expense to average assets | 2.1023% | 4,414 |
| Loan and lease loss provision to assets | 0.0659% | 2,503 |
| Net operating income to assets | 1.2939% | 1,800 |
| Return on assets (ROA) | 1.3352% | 1,700 |
| Pretax return on assets | 1.7881% | 1,065 |
| Return on Equity (ROE) | 12.4551% | 1,428 |
| Retained earnings to average equity (ytd only) | 11.4715% | 488 |
| Net charge-offs to loans | 0.1289% | 1,169 |
| Credit loss provision to net charge-offs | 74.6269% | 2,285 |
| Earnings coverage of net charge-offs (x) | 20.4030% | 1,779 |
| Efficiency ratio | 48.9759% | 4,841 |
| Assets per employee ($millions) | 4.9541% | 2,531 |
| Cash dividends to net income (ytd only)* | 7.8973% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,258 |
| Loan loss allowance to noncurrent loans | 78.9387% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 1,473 |
| Noncurrent loans to loans | 1.3507% | 1,151 |
| Net loans and leases to total assets | 68.4470% | 2,760 |
| Net loans and leases to deposits | 80.3446% | 2,914 |
| Net loans and leases to core deposits | 87.1555% | 2,875 |
| Total domestic deposits to total assets | 85.1917% | 2,392 |
| Equity capital to assets | 11.1804% | 2,883 |
| Core capital (leverage) ratio | 10.0884% | 3,508 |
| Tier 1 risk-based capital ratio | 12.7013% | 4,012 |
| Total risk-based capital ratio | 13.6520% | 4,059 |
| Memoranda: | ||
| Average total assets | $455,220,670 | 1,548 |
| Average earning assets | $428,772,670 | 1,531 |
| Average equity | $48,799,330 | 1,634 |
| Average total loans | $311,922,000 | 1,569 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 3,853 |
| Cost of funding earning assets | 0.7297% | 2,891 |
| Net interest margin | 3.4727% | 3,672 |
| Noninterest income to average assets | 0.5091% | 2,502 |
| Noninterest expense to average assets | 2.2130% | 4,231 |
| Loan and lease loss provision to assets | 0.0659% | 2,345 |
| Net operating income to assets | 1.1993% | 2,059 |
| Return on assets (ROA) | 1.1993% | 2,109 |
| Pretax return on assets | 1.4982% | 1,781 |
| Return on Equity (ROE) | 11.4334% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.4275% | 937 |
| Net charge-offs to loans | 0.2205% | 640 |
| Credit loss provision to net charge-offs | 43.8596% | 2,009 |
| Earnings coverage of net charge-offs (x) | 10.4035% | 1,963 |
| Efficiency ratio | 53.5615% | 4,579 |
| Assets per employee ($millions) | 4.3618% | 3,395 |
| Cash dividends to net income (ytd only)* | 8.7977% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,225 |
| Loan loss allowance to noncurrent loans | 127.9707% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,231 |
| Noncurrent loans to loans | 0.8455% | 1,942 |
| Net loans and leases to total assets | 66.8477% | 2,925 |
| Net loans and leases to deposits | 76.6285% | 3,203 |
| Net loans and leases to core deposits | 84.1397% | 3,016 |
| Total domestic deposits to total assets | 87.2361% | 1,699 |
| Equity capital to assets | 10.7678% | 3,081 |
| Core capital (leverage) ratio | 9.7645% | 3,852 |
| Tier 1 risk-based capital ratio | 12.4795% | 4,186 |
| Total risk-based capital ratio | 13.4389% | 4,236 |
| Memoranda: | ||
| Average total assets | $454,941,500 | 1,560 |
| Average earning assets | $428,141,500 | 1,539 |
| Average equity | $47,720,000 | 1,650 |
| Average total loans | $310,218,500 | 1,588 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 3,455 |
| Cost of funding earning assets | 0.6478% | 2,407 |
| Net interest margin | 3.5480% | 3,553 |
| Noninterest income to average assets | 0.5778% | 2,406 |
| Noninterest expense to average assets | 2.2907% | 4,144 |
| Loan and lease loss provision to assets | 0.1406% | 1,532 |
| Net operating income to assets | 1.1510% | 2,378 |
| Return on assets (ROA) | 1.1432% | 2,419 |
| Pretax return on assets | 1.4887% | 1,816 |
| Return on Equity (ROE) | 10.8526% | 2,149 |
| Retained earnings to average equity (ytd only) | 8.5027% | 1,044 |
| Net charge-offs to loans | 0.0609% | 2,261 |
| Credit loss provision to net charge-offs | 326.0870% | 960 |
| Earnings coverage of net charge-offs (x) | 38.0054% | 1,361 |
| Efficiency ratio | 54.2201% | 4,597 |
| Assets per employee ($millions) | 5.0139% | 2,487 |
| Cash dividends to net income (ytd only)* | 21.6527% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,185 |
| Loan loss allowance to noncurrent loans | 135.5979% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 2,249 |
| Noncurrent loans to loans | 0.8019% | 2,000 |
| Net loans and leases to total assets | 68.0468% | 2,880 |
| Net loans and leases to deposits | 81.7578% | 2,763 |
| Net loans and leases to core deposits | 84.9330% | 3,006 |
| Total domestic deposits to total assets | 83.2298% | 3,253 |
| Equity capital to assets | 10.2124% | 3,456 |
| Core capital (leverage) ratio | 9.2894% | 4,361 |
| Tier 1 risk-based capital ratio | 11.8688% | 4,520 |
| Total risk-based capital ratio | 12.8405% | 4,571 |
| Memoranda: | ||
| Average total assets | $426,602,400 | 1,603 |
| Average earning assets | $403,045,200 | 1,577 |
| Average equity | $44,938,600 | 1,664 |
| Average total loans | $302,077,400 | 1,591 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,445 |
| Cost of funding earning assets | 0.6307% | 2,267 |
| Net interest margin | 3.5246% | 3,619 |
| Noninterest income to average assets | 0.5512% | 2,565 |
| Noninterest expense to average assets | 2.1657% | 4,399 |
| Loan and lease loss provision to assets | 0.1034% | 1,940 |
| Net operating income to assets | 1.2396% | 2,086 |
| Return on assets (ROA) | 1.2363% | 2,102 |
| Pretax return on assets | 1.6126% | 1,544 |
| Return on Equity (ROE) | 11.6397% | 1,935 |
| Retained earnings to average equity (ytd only) | 10.5617% | 753 |
| Net charge-offs to loans | 0.0851% | 1,658 |
| Credit loss provision to net charge-offs | 170.1571% | 1,567 |
| Earnings coverage of net charge-offs (x) | 28.3142% | 1,670 |
| Efficiency ratio | 51.9195% | 4,821 |
| Assets per employee ($millions) | 4.9943% | 2,470 |
| Cash dividends to net income (ytd only)* | 9.2617% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,741 |
| Loan loss allowance to noncurrent loans | 123.1707% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,492 |
| Noncurrent loans to loans | 0.8140% | 2,080 |
| Net loans and leases to total assets | 68.7834% | 2,824 |
| Net loans and leases to deposits | 82.1270% | 2,804 |
| Net loans and leases to core deposits | 85.2936% | 3,066 |
| Total domestic deposits to total assets | 83.7524% | 3,028 |
| Equity capital to assets | 10.1903% | 3,461 |
| Core capital (leverage) ratio | 9.2403% | 4,473 |
| Tier 1 risk-based capital ratio | 11.7758% | 4,616 |
| Total risk-based capital ratio | 12.6713% | 4,718 |
| Memoranda: | ||
| Average total assets | $419,187,750 | 1,633 |
| Average earning assets | $396,594,750 | 1,608 |
| Average equity | $44,524,500 | 1,679 |
| Average total loans | $299,125,750 | 1,607 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 3,415 |
| Cost of funding earning assets | 0.6065% | 2,183 |
| Net interest margin | 3.5031% | 3,618 |
| Noninterest income to average assets | 0.5451% | 2,598 |
| Noninterest expense to average assets | 2.1785% | 4,422 |
| Loan and lease loss provision to assets | 0.0733% | 2,420 |
| Net operating income to assets | 1.2507% | 1,981 |
| Return on assets (ROA) | 1.2457% | 1,997 |
| Pretax return on assets | 1.6104% | 1,468 |
| Return on Equity (ROE) | 11.5561% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.4676% | 798 |
| Net charge-offs to loans | 0.0109% | 2,760 |
| Credit loss provision to net charge-offs | 937.5000% | 429 |
| Earnings coverage of net charge-offs (x) | 216.0625% | 401 |
| Efficiency ratio | 53.1530% | 4,768 |
| Assets per employee ($millions) | 5.0025% | 2,416 |
| Cash dividends to net income (ytd only)* | 9.4192% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 3,744 |
| Loan loss allowance to noncurrent loans | 172.7925% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 3,146 |
| Noncurrent loans to loans | 0.5869% | 2,660 |
| Net loans and leases to total assets | 67.1306% | 2,996 |
| Net loans and leases to deposits | 82.8602% | 2,678 |
| Net loans and leases to core deposits | 87.3863% | 2,780 |
| Total domestic deposits to total assets | 81.0167% | 3,996 |
| Equity capital to assets | 9.8744% | 3,746 |
| Core capital (leverage) ratio | 8.8665% | 4,821 |
| Tier 1 risk-based capital ratio | 11.5368% | 4,772 |
| Total risk-based capital ratio | 12.4458% | 4,853 |
| Memoranda: | ||
| Average total assets | $409,087,670 | 1,683 |
| Average earning assets | $388,114,670 | 1,645 |
| Average equity | $44,098,000 | 1,699 |
| Average total loans | $294,733,000 | 1,632 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,253 |
| Cost of funding earning assets | 0.6083% | 2,002 |
| Net interest margin | 3.4868% | 3,577 |
| Noninterest income to average assets | 0.5316% | 2,623 |
| Noninterest expense to average assets | 1.9709% | 4,908 |
| Loan and lease loss provision to assets | 0.0777% | 2,217 |
| Net operating income to assets | 1.3989% | 1,348 |
| Return on assets (ROA) | 1.3989% | 1,353 |
| Pretax return on assets | 1.8092% | 896 |
| Return on Equity (ROE) | 12.3650% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.2659% | 833 |
| Net charge-offs to loans | 0.0125% | 2,306 |
| Credit loss provision to net charge-offs | 833.3333% | 401 |
| Earnings coverage of net charge-offs (x) | 202.3333% | 335 |
| Efficiency ratio | 50.2015% | 5,070 |
| Assets per employee ($millions) | 5.0693% | 2,405 |
| Cash dividends to net income (ytd only)* | 8.8889% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,451 |
| Loan loss allowance to noncurrent loans | 244.0637% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 3,514 |
| Noncurrent loans to loans | 0.4465% | 3,197 |
| Net loans and leases to total assets | 73.1147% | 2,011 |
| Net loans and leases to deposits | 88.0490% | 1,922 |
| Net loans and leases to core deposits | 99.3996% | 1,730 |
| Total domestic deposits to total assets | 83.0387% | 3,653 |
| Equity capital to assets | 11.5923% | 2,064 |
| Core capital (leverage) ratio | 11.2501% | 2,207 |
| Tier 1 risk-based capital ratio | 13.9864% | 3,385 |
| Total risk-based capital ratio | 14.9636% | 3,443 |
| Memoranda: | ||
| Average total assets | $386,018,500 | 1,792 |
| Average earning assets | $368,247,500 | 1,751 |
| Average equity | $43,671,500 | 1,718 |
| Average total loans | $287,736,000 | 1,669 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,435 |
| Cost of funding earning assets | 0.5390% | 2,042 |
| Net interest margin | 3.4507% | 3,689 |
| Noninterest income to average assets | 0.5160% | 2,905 |
| Noninterest expense to average assets | 1.9137% | 5,098 |
| Loan and lease loss provision to assets | 0.2067% | 985 |
| Net operating income to assets | 1.0693% | 1,978 |
| Return on assets (ROA) | 1.0579% | 2,048 |
| Pretax return on assets | 1.6646% | 1,112 |
| Return on Equity (ROE) | 9.7462% | 2,001 |
| Retained earnings to average equity (ytd only) | 7.3466% | 968 |
| Net charge-offs to loans | 0.0070% | 3,825 |
| Credit loss provision to net charge-offs | 4,000.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 365.5500% | 239 |
| Efficiency ratio | 49.3579% | 5,254 |
| Assets per employee ($millions) | 5.2951% | 2,154 |
| Cash dividends to net income (ytd only)* | 24.6214% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,827 |
| Loan loss allowance to noncurrent loans | 273.6986% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,774 |
| Noncurrent loans to loans | 0.3719% | 3,427 |
| Net loans and leases to total assets | 74.3753% | 1,861 |
| Net loans and leases to deposits | 92.5075% | 1,452 |
| Net loans and leases to core deposits | 103.8048% | 1,423 |
| Total domestic deposits to total assets | 80.3992% | 4,265 |
| Equity capital to assets | 11.0426% | 2,591 |
| Core capital (leverage) ratio | 10.8227% | 2,509 |
| Tier 1 risk-based capital ratio | 13.0943% | 3,852 |
| Total risk-based capital ratio | 14.0183% | 3,947 |
| Memoranda: | ||
| Average total assets | $387,008,800 | 1,768 |
| Average earning assets | $368,617,000 | 1,711 |
| Average equity | $42,006,000 | 1,773 |
| Average total loans | $287,077,800 | 1,620 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,565 |
| Cost of funding earning assets | 0.5214% | 2,099 |
| Net interest margin | 3.4171% | 3,785 |
| Noninterest income to average assets | 0.5405% | 2,777 |
| Noninterest expense to average assets | 1.6962% | 5,370 |
| Loan and lease loss provision to assets | 0.1901% | 1,022 |
| Net operating income to assets | 1.2516% | 1,507 |
| Return on assets (ROA) | 1.2358% | 1,586 |
| Pretax return on assets | 1.8831% | 718 |
| Return on Equity (ROE) | 11.4364% | 1,511 |
| Retained earnings to average equity (ytd only) | 10.2851% | 528 |
| Net charge-offs to loans | 0.0079% | 3,441 |
| Credit loss provision to net charge-offs | 3,235.2941% | 141 |
| Earnings coverage of net charge-offs (x) | 356.8796% | 262 |
| Efficiency ratio | 43.7318% | 5,488 |
| Assets per employee ($millions) | 5.5512% | 1,879 |
| Cash dividends to net income (ytd only)* | 10.0672% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 4,415 |
| Loan loss allowance to noncurrent loans | 165.8625% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4148% | 3,365 |
| Noncurrent loans to loans | 0.5626% | 3,011 |
| Net loans and leases to total assets | 73.0435% | 2,090 |
| Net loans and leases to deposits | 90.6655% | 1,731 |
| Net loans and leases to core deposits | 104.9717% | 1,336 |
| Total domestic deposits to total assets | 80.5636% | 4,188 |
| Equity capital to assets | 10.8969% | 2,963 |
| Core capital (leverage) ratio | 11.0466% | 2,411 |
| Tier 1 risk-based capital ratio | 13.2530% | 3,846 |
| Total risk-based capital ratio | 14.1071% | 4,006 |
| Memoranda: | ||
| Average total assets | $385,801,750 | 1,779 |
| Average earning assets | $367,241,750 | 1,731 |
| Average equity | $41,690,250 | 1,808 |
| Average total loans | $285,240,500 | 1,639 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,578 |
| Cost of funding earning assets | 0.5039% | 2,136 |
| Net interest margin | 3.3879% | 3,815 |
| Noninterest income to average assets | 0.5090% | 2,965 |
| Noninterest expense to average assets | 1.6874% | 5,425 |
| Loan and lease loss provision to assets | 0.1574% | 1,271 |
| Net operating income to assets | 1.2641% | 1,393 |
| Return on assets (ROA) | 1.2441% | 1,488 |
| Pretax return on assets | 1.8548% | 735 |
| Return on Equity (ROE) | 11.5463% | 1,448 |
| Retained earnings to average equity (ytd only) | 10.3776% | 526 |
| Net charge-offs to loans | 0.0099% | 3,111 |
| Credit loss provision to net charge-offs | 2,142.8571% | 199 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 309 |
| Efficiency ratio | 44.1896% | 5,520 |
| Assets per employee ($millions) | 5.3517% | 2,010 |
| Cash dividends to net income (ytd only)* | 10.1223% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,760 |
| Loan loss allowance to noncurrent loans | 73.1444% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 1,951 |
| Noncurrent loans to loans | 1.1855% | 1,647 |
| Net loans and leases to total assets | 74.2626% | 1,820 |
| Net loans and leases to deposits | 91.4716% | 1,561 |
| Net loans and leases to core deposits | 102.8521% | 1,447 |
| Total domestic deposits to total assets | 81.1865% | 4,134 |
| Equity capital to assets | 11.0197% | 2,784 |
| Core capital (leverage) ratio | 10.9988% | 2,402 |
| Tier 1 risk-based capital ratio | 13.1586% | 3,914 |
| Total risk-based capital ratio | 13.9515% | 4,090 |
| Memoranda: | ||
| Average total assets | $381,174,330 | 1,800 |
| Average earning assets | $362,345,670 | 1,754 |
| Average equity | $41,069,330 | 1,832 |
| Average total loans | $282,089,670 | 1,653 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 3,673 |
| Cost of funding earning assets | 0.4864% | 2,195 |
| Net interest margin | 3.3389% | 3,888 |
| Noninterest income to average assets | 0.5043% | 2,954 |
| Noninterest expense to average assets | 1.8338% | 5,329 |
| Loan and lease loss provision to assets | 0.1583% | 1,142 |
| Net operating income to assets | 1.1292% | 1,753 |
| Return on assets (ROA) | 1.0889% | 1,960 |
| Pretax return on assets | 1.6175% | 1,192 |
| Return on Equity (ROE) | 10.2245% | 1,860 |
| Retained earnings to average equity (ytd only) | 9.0356% | 1,065 |
| Net charge-offs to loans | 0.0057% | 2,773 |
| Credit loss provision to net charge-offs | 3,750.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 435.0000% | 132 |
| Efficiency ratio | 48.3324% | 5,451 |
| Assets per employee ($millions) | 5.4570% | 1,934 |
| Cash dividends to net income (ytd only)* | 11.6279% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 4,930 |
| Loan loss allowance to noncurrent loans | 97.2828% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6650% | 2,639 |
| Noncurrent loans to loans | 0.8718% | 2,289 |
| Net loans and leases to total assets | 73.3682% | 1,842 |
| Net loans and leases to deposits | 89.4525% | 1,605 |
| Net loans and leases to core deposits | 96.4932% | 1,782 |
| Total domestic deposits to total assets | 82.0192% | 4,163 |
| Equity capital to assets | 10.8710% | 2,777 |
| Core capital (leverage) ratio | 10.6487% | 2,743 |
| Tier 1 risk-based capital ratio | 12.8003% | 4,201 |
| Total risk-based capital ratio | 13.5586% | 4,410 |
| Memoranda: | ||
| Average total assets | $379,102,000 | 1,819 |
| Average earning assets | $359,395,500 | 1,777 |
| Average equity | $40,373,500 | 1,856 |
| Average total loans | $278,809,000 | 1,681 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 3,711 |
| Cost of funding earning assets | 0.5039% | 2,060 |
| Net interest margin | 3.3565% | 3,973 |
| Noninterest income to average assets | 0.5347% | 3,002 |
| Noninterest expense to average assets | 1.9035% | 5,353 |
| Loan and lease loss provision to assets | 0.2033% | 1,122 |
| Net operating income to assets | 1.0760% | 2,008 |
| Return on assets (ROA) | 1.0745% | 2,117 |
| Pretax return on assets | 1.5976% | 1,292 |
| Return on Equity (ROE) | 10.1040% | 1,911 |
| Retained earnings to average equity (ytd only) | 7.7799% | 928 |
| Net charge-offs to loans | 0.2148% | 1,290 |
| Credit loss provision to net charge-offs | 130.4348% | 2,061 |
| Earnings coverage of net charge-offs (x) | 11.5704% | 2,530 |
| Efficiency ratio | 49.6819% | 5,503 |
| Assets per employee ($millions) | 5.3756% | 1,982 |
| Cash dividends to net income (ytd only)* | 23.0013% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 5,121 |
| Loan loss allowance to noncurrent loans | 191.9481% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,987 |
| Noncurrent loans to loans | 0.4140% | 3,663 |
| Net loans and leases to total assets | 72.5186% | 2,091 |
| Net loans and leases to deposits | 89.7521% | 1,713 |
| Net loans and leases to core deposits | 96.7976% | 1,852 |
| Total domestic deposits to total assets | 80.7988% | 4,388 |
| Equity capital to assets | 10.4316% | 3,234 |
| Core capital (leverage) ratio | 10.3673% | 3,035 |
| Tier 1 risk-based capital ratio | 12.5884% | 4,334 |
| Total risk-based capital ratio | 13.2974% | 4,579 |
| Memoranda: | ||
| Average total assets | $368,995,200 | 1,815 |
| Average earning assets | $348,693,000 | 1,782 |
| Average equity | $39,242,000 | 1,872 |
| Average total loans | $267,659,800 | 1,684 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 3,800 |
| Cost of funding earning assets | 0.5035% | 2,074 |
| Net interest margin | 3.3361% | 4,071 |
| Noninterest income to average assets | 0.5463% | 2,934 |
| Noninterest expense to average assets | 1.8165% | 5,500 |
| Loan and lease loss provision to assets | 0.1640% | 1,394 |
| Net operating income to assets | 1.1282% | 1,882 |
| Return on assets (ROA) | 1.1229% | 2,016 |
| Pretax return on assets | 1.7141% | 1,077 |
| Return on Equity (ROE) | 10.5064% | 1,862 |
| Retained earnings to average equity (ytd only) | 9.4425% | 705 |
| Net charge-offs to loans | 0.0025% | 3,849 |
| Credit loss provision to net charge-offs | 9,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 1,034.4573% | 75 |
| Efficiency ratio | 47.3669% | 5,614 |
| Assets per employee ($millions) | 5.3129% | 2,035 |
| Cash dividends to net income (ytd only)* | 10.1266% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 4,869 |
| Loan loss allowance to noncurrent loans | 135.9016% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 3,397 |
| Noncurrent loans to loans | 0.6627% | 3,044 |
| Net loans and leases to total assets | 72.5410% | 2,106 |
| Net loans and leases to deposits | 89.2244% | 1,852 |
| Net loans and leases to core deposits | 97.1836% | 1,892 |
| Total domestic deposits to total assets | 81.3017% | 4,166 |
| Equity capital to assets | 10.7158% | 3,340 |
| Core capital (leverage) ratio | 10.5399% | 2,950 |
| Tier 1 risk-based capital ratio | 12.6873% | 4,348 |
| Total risk-based capital ratio | 13.4957% | 4,545 |
| Memoranda: | ||
| Average total assets | $365,826,750 | 1,834 |
| Average earning assets | $346,100,500 | 1,796 |
| Average equity | $39,099,000 | 1,888 |
| Average total loans | $264,825,250 | 1,708 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 3,922 |
| Cost of funding earning assets | 0.5050% | 2,061 |
| Net interest margin | 3.3044% | 4,217 |
| Noninterest income to average assets | 0.5110% | 3,117 |
| Noninterest expense to average assets | 1.8275% | 5,563 |
| Loan and lease loss provision to assets | 0.1657% | 1,354 |
| Net operating income to assets | 1.0811% | 2,036 |
| Return on assets (ROA) | 1.1016% | 2,076 |
| Pretax return on assets | 1.6794% | 1,147 |
| Return on Equity (ROE) | 10.3161% | 1,916 |
| Retained earnings to average equity (ytd only) | 9.3228% | 766 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4375% | 5,648 |
| Assets per employee ($millions) | 5.2197% | 2,067 |
| Cash dividends to net income (ytd only)* | 9.6289% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 5,059 |
| Loan loss allowance to noncurrent loans | 132.2417% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 3,520 |
| Noncurrent loans to loans | 0.6574% | 3,103 |
| Net loans and leases to total assets | 72.0588% | 2,159 |
| Net loans and leases to deposits | 87.4880% | 2,066 |
| Net loans and leases to core deposits | 94.1882% | 2,146 |
| Total domestic deposits to total assets | 82.3643% | 3,888 |
| Equity capital to assets | 10.6681% | 3,443 |
| Core capital (leverage) ratio | 10.5440% | 2,918 |
| Tier 1 risk-based capital ratio | 13.2416% | 4,048 |
| Total risk-based capital ratio | 14.0573% | 4,224 |
| Memoranda: | ||
| Average total assets | $362,030,000 | 1,852 |
| Average earning assets | $342,992,670 | 1,815 |
| Average equity | $38,658,000 | 1,907 |
| Average total loans | $261,059,000 | 1,724 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,752 |
| Cost of funding earning assets | 0.5203% | 1,942 |
| Net interest margin | 3.3345% | 4,095 |
| Noninterest income to average assets | 0.4853% | 3,226 |
| Noninterest expense to average assets | 1.8270% | 5,619 |
| Loan and lease loss provision to assets | 0.0839% | 2,276 |
| Net operating income to assets | 1.1335% | 1,773 |
| Return on assets (ROA) | 1.1438% | 1,854 |
| Pretax return on assets | 1.7431% | 958 |
| Return on Equity (ROE) | 10.7067% | 1,713 |
| Retained earnings to average equity (ytd only) | 9.7020% | 923 |
| Net charge-offs to loans | -0.0047% | 4,272 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4634% | 5,704 |
| Assets per employee ($millions) | 4.9416% | 2,404 |
| Cash dividends to net income (ytd only)* | 9.3842% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8256% | 5,293 |
| Loan loss allowance to noncurrent loans | 92.6573% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 3,035 |
| Noncurrent loans to loans | 0.8910% | 2,618 |
| Net loans and leases to total assets | 71.5772% | 2,103 |
| Net loans and leases to deposits | 86.2438% | 2,037 |
| Net loans and leases to core deposits | 89.1522% | 2,449 |
| Total domestic deposits to total assets | 82.9940% | 3,897 |
| Equity capital to assets | 10.8665% | 3,088 |
| Core capital (leverage) ratio | 10.4272% | 3,044 |
| Tier 1 risk-based capital ratio | 13.8742% | 3,773 |
| Total risk-based capital ratio | 14.6670% | 3,953 |
| Memoranda: | ||
| Average total assets | $357,745,000 | 1,874 |
| Average earning assets | $338,282,500 | 1,838 |
| Average equity | $38,219,000 | 1,922 |
| Average total loans | $256,892,500 | 1,750 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 4,331 |
| Cost of funding earning assets | 0.5356% | 1,880 |
| Net interest margin | 3.1778% | 4,691 |
| Noninterest income to average assets | 0.5677% | 2,912 |
| Noninterest expense to average assets | 1.9844% | 5,486 |
| Loan and lease loss provision to assets | 0.0961% | 2,392 |
| Net operating income to assets | 1.0030% | 2,346 |
| Return on assets (ROA) | 1.0134% | 2,375 |
| Pretax return on assets | 1.5155% | 1,509 |
| Return on Equity (ROE) | 9.7527% | 2,103 |
| Retained earnings to average equity (ytd only) | 7.4029% | 1,126 |
| Net charge-offs to loans | 0.0162% | 3,963 |
| Credit loss provision to net charge-offs | 871.7949% | 388 |
| Earnings coverage of net charge-offs (x) | 144.8205% | 433 |
| Efficiency ratio | 53.6148% | 5,545 |
| Assets per employee ($millions) | 4.9958% | 2,369 |
| Cash dividends to net income (ytd only)* | 24.0937% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 5,422 |
| Loan loss allowance to noncurrent loans | 76.6517% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 2,750 |
| Noncurrent loans to loans | 1.0366% | 2,262 |
| Net loans and leases to total assets | 70.8809% | 2,224 |
| Net loans and leases to deposits | 86.2084% | 2,105 |
| Net loans and leases to core deposits | 89.5167% | 2,452 |
| Total domestic deposits to total assets | 82.2204% | 4,104 |
| Equity capital to assets | 10.5021% | 3,358 |
| Core capital (leverage) ratio | 10.0747% | 3,405 |
| Tier 1 risk-based capital ratio | 13.4060% | 4,053 |
| Total risk-based capital ratio | 14.1629% | 4,270 |
| Memoranda: | ||
| Average total assets | $353,868,200 | 1,847 |
| Average earning assets | $335,482,400 | 1,806 |
| Average equity | $36,769,200 | 1,946 |
| Average total loans | $240,780,600 | 1,794 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 4,490 |
| Cost of funding earning assets | 0.5393% | 1,893 |
| Net interest margin | 3.1382% | 4,851 |
| Noninterest income to average assets | 0.5391% | 3,111 |
| Noninterest expense to average assets | 1.7960% | 5,782 |
| Loan and lease loss provision to assets | 0.0624% | 2,936 |
| Net operating income to assets | 1.0817% | 2,089 |
| Return on assets (ROA) | 1.0945% | 2,115 |
| Pretax return on assets | 1.6768% | 1,172 |
| Return on Equity (ROE) | 10.5627% | 1,875 |
| Retained earnings to average equity (ytd only) | 9.5112% | 739 |
| Net charge-offs to loans | 0.0068% | 3,935 |
| Credit loss provision to net charge-offs | 1,375.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 378.7406% | 200 |
| Efficiency ratio | 49.2359% | 5,817 |
| Assets per employee ($millions) | 4.9925% | 2,305 |
| Cash dividends to net income (ytd only)* | 9.9550% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 5,616 |
| Loan loss allowance to noncurrent loans | 77.3061% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 3,192 |
| Noncurrent loans to loans | 0.9763% | 2,539 |
| Net loans and leases to total assets | 69.2862% | 2,489 |
| Net loans and leases to deposits | 84.8194% | 2,303 |
| Net loans and leases to core deposits | 87.9113% | 2,669 |
| Total domestic deposits to total assets | 81.6867% | 4,260 |
| Equity capital to assets | 10.5205% | 3,582 |
| Core capital (leverage) ratio | 10.1094% | 3,488 |
| Tier 1 risk-based capital ratio | 13.6425% | 4,057 |
| Total risk-based capital ratio | 14.3594% | 4,289 |
| Memoranda: | ||
| Average total assets | $352,410,750 | 1,868 |
| Average earning assets | $334,236,500 | 1,829 |
| Average equity | $36,517,500 | 1,967 |
| Average total loans | $236,726,000 | 1,827 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6589% | 4,546 |
| Cost of funding earning assets | 0.5404% | 1,903 |
| Net interest margin | 3.1184% | 4,920 |
| Noninterest income to average assets | 0.4953% | 3,412 |
| Noninterest expense to average assets | 1.8397% | 5,796 |
| Loan and lease loss provision to assets | 0.0514% | 3,090 |
| Net operating income to assets | 1.0209% | 2,286 |
| Return on assets (ROA) | 1.0273% | 2,365 |
| Pretax return on assets | 1.5712% | 1,422 |
| Return on Equity (ROE) | 9.9655% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.9014% | 957 |
| Net charge-offs to loans | 0.0052% | 3,715 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 470.5000% | 141 |
| Efficiency ratio | 51.3818% | 5,760 |
| Assets per employee ($millions) | 4.9545% | 2,329 |
| Cash dividends to net income (ytd only)* | 10.6785% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 5,700 |
| Loan loss allowance to noncurrent loans | 76.9393% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 3,410 |
| Noncurrent loans to loans | 0.9843% | 2,671 |
| Net loans and leases to total assets | 67.0445% | 2,784 |
| Net loans and leases to deposits | 81.7868% | 2,584 |
| Net loans and leases to core deposits | 84.5716% | 2,924 |
| Total domestic deposits to total assets | 81.9747% | 4,297 |
| Equity capital to assets | 10.3127% | 3,671 |
| Core capital (leverage) ratio | 10.0908% | 3,477 |
| Tier 1 risk-based capital ratio | 13.7257% | 4,081 |
| Total risk-based capital ratio | 14.4420% | 4,326 |
| Memoranda: | ||
| Average total assets | $350,060,670 | 1,892 |
| Average earning assets | $331,961,670 | 1,853 |
| Average equity | $36,084,330 | 1,995 |
| Average total loans | $231,984,330 | 1,866 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 4,499 |
| Cost of funding earning assets | 0.5395% | 1,928 |
| Net interest margin | 3.1207% | 4,881 |
| Noninterest income to average assets | 0.5411% | 3,016 |
| Noninterest expense to average assets | 1.7847% | 5,923 |
| Loan and lease loss provision to assets | 0.0519% | 2,899 |
| Net operating income to assets | 1.1156% | 1,817 |
| Return on assets (ROA) | 1.1156% | 1,923 |
| Pretax return on assets | 1.6739% | 1,103 |
| Return on Equity (ROE) | 10.8249% | 1,678 |
| Retained earnings to average equity (ytd only) | 9.7502% | 983 |
| Net charge-offs to loans | 0.0123% | 2,942 |
| Credit loss provision to net charge-offs | 642.8571% | 451 |
| Earnings coverage of net charge-offs (x) | 213.7143% | 268 |
| Efficiency ratio | 48.9648% | 5,972 |
| Assets per employee ($millions) | 4.7432% | 2,697 |
| Cash dividends to net income (ytd only)* | 9.9276% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 5,716 |
| Loan loss allowance to noncurrent loans | 74.2797% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7013% | 3,380 |
| Noncurrent loans to loans | 1.0657% | 2,630 |
| Net loans and leases to total assets | 65.2839% | 2,881 |
| Net loans and leases to deposits | 74.6930% | 3,200 |
| Net loans and leases to core deposits | 76.8876% | 3,504 |
| Total domestic deposits to total assets | 87.4030% | 2,163 |
| Equity capital to assets | 10.5886% | 3,442 |
| Core capital (leverage) ratio | 9.8936% | 3,759 |
| Tier 1 risk-based capital ratio | 14.5061% | 3,716 |
| Total risk-based capital ratio | 15.2608% | 3,930 |
| Memoranda: | ||
| Average total assets | $346,728,000 | 1,914 |
| Average earning assets | $329,922,000 | 1,864 |
| Average equity | $35,732,500 | 2,026 |
| Average total loans | $227,481,500 | 1,894 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 4,947 |
| Cost of funding earning assets | 0.5662% | 2,082 |
| Net interest margin | 3.0792% | 5,255 |
| Noninterest income to average assets | 0.5278% | 3,305 |
| Noninterest expense to average assets | 2.0129% | 5,741 |
| Loan and lease loss provision to assets | 0.0130% | 4,360 |
| Net operating income to assets | 0.9410% | 2,670 |
| Return on assets (ROA) | 0.9436% | 2,749 |
| Pretax return on assets | 1.4286% | 1,787 |
| Return on Equity (ROE) | 9.5179% | 2,331 |
| Retained earnings to average equity (ytd only) | 6.9946% | 1,415 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4739% | 5,621 |
| Assets per employee ($millions) | 4.7560% | 2,650 |
| Cash dividends to net income (ytd only)* | 26.5112% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,873 |
| Loan loss allowance to noncurrent loans | 99.3721% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4978% | 4,139 |
| Noncurrent loans to loans | 0.7610% | 3,419 |
| Net loans and leases to total assets | 64.9225% | 3,062 |
| Net loans and leases to deposits | 74.8273% | 3,333 |
| Net loans and leases to core deposits | 76.9704% | 3,613 |
| Total domestic deposits to total assets | 86.7630% | 2,409 |
| Equity capital to assets | 10.0311% | 4,069 |
| Core capital (leverage) ratio | 9.4513% | 4,306 |
| Tier 1 risk-based capital ratio | 13.1761% | 4,606 |
| Total risk-based capital ratio | 13.8692% | 4,876 |
| Memoranda: | ||
| Average total assets | $345,367,400 | 1,885 |
| Average earning assets | $327,809,000 | 1,835 |
| Average equity | $34,240,800 | 2,035 |
| Average total loans | $219,836,200 | 1,901 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 5,130 |
| Cost of funding earning assets | 0.5685% | 2,118 |
| Net interest margin | 3.0354% | 5,418 |
| Noninterest income to average assets | 0.5376% | 3,274 |
| Noninterest expense to average assets | 1.8410% | 6,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0449% | 2,255 |
| Return on assets (ROA) | 1.0485% | 2,301 |
| Pretax return on assets | 1.5830% | 1,379 |
| Return on Equity (ROE) | 10.6075% | 1,945 |
| Retained earnings to average equity (ytd only) | 9.4773% | 847 |
| Net charge-offs to loans | -0.0012% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0481% | 5,988 |
| Assets per employee ($millions) | 4.6953% | 2,680 |
| Cash dividends to net income (ytd only)* | 10.6548% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 5,986 |
| Loan loss allowance to noncurrent loans | 98.3778% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 4,397 |
| Noncurrent loans to loans | 0.7663% | 3,673 |
| Net loans and leases to total assets | 64.3380% | 3,135 |
| Net loans and leases to deposits | 75.2103% | 3,284 |
| Net loans and leases to core deposits | 77.1700% | 3,619 |
| Total domestic deposits to total assets | 85.5441% | 3,095 |
| Equity capital to assets | 10.1649% | 3,974 |
| Core capital (leverage) ratio | 9.5315% | 4,329 |
| Tier 1 risk-based capital ratio | 13.3747% | 4,620 |
| Total risk-based capital ratio | 14.0618% | 4,882 |
| Memoranda: | ||
| Average total assets | $343,722,750 | 1,901 |
| Average earning assets | $326,226,000 | 1,851 |
| Average equity | $33,975,000 | 2,050 |
| Average total loans | $217,237,000 | 1,937 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5601% | 5,258 |
| Cost of funding earning assets | 0.5638% | 2,226 |
| Net interest margin | 2.9963% | 5,539 |
| Noninterest income to average assets | 0.5157% | 3,367 |
| Noninterest expense to average assets | 1.8629% | 6,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9910% | 2,357 |
| Return on assets (ROA) | 0.9910% | 2,436 |
| Pretax return on assets | 1.4956% | 1,546 |
| Return on Equity (ROE) | 10.1231% | 2,095 |
| Retained earnings to average equity (ytd only) | 8.9778% | 992 |
| Net charge-offs to loans | 0.0009% | 4,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2,561.0000% | 14 |
| Efficiency ratio | 53.6255% | 5,940 |
| Assets per employee ($millions) | 4.6679% | 2,669 |
| Cash dividends to net income (ytd only)* | 11.3141% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 6,057 |
| Loan loss allowance to noncurrent loans | 102.1084% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 4,567 |
| Noncurrent loans to loans | 0.7528% | 3,819 |
| Net loans and leases to total assets | 63.3466% | 3,189 |
| Net loans and leases to deposits | 73.2917% | 3,419 |
| Net loans and leases to core deposits | 75.3919% | 3,690 |
| Total domestic deposits to total assets | 86.4308% | 2,801 |
| Equity capital to assets | 9.9748% | 4,140 |
| Core capital (leverage) ratio | 9.5694% | 4,222 |
| Tier 1 risk-based capital ratio | 13.1927% | 4,792 |
| Total risk-based capital ratio | 13.8895% | 5,069 |
| Memoranda: | ||
| Average total assets | $342,480,000 | 1,909 |
| Average earning assets | $324,937,000 | 1,851 |
| Average equity | $33,527,330 | 2,064 |
| Average total loans | $214,569,000 | 1,948 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 5,217 |
| Cost of funding earning assets | 0.5653% | 2,288 |
| Net interest margin | 3.0195% | 5,480 |
| Noninterest income to average assets | 0.5349% | 3,148 |
| Noninterest expense to average assets | 1.7607% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0827% | 1,886 |
| Return on assets (ROA) | 1.0827% | 1,950 |
| Pretax return on assets | 1.6375% | 1,092 |
| Return on Equity (ROE) | 11.1664% | 1,633 |
| Retained earnings to average equity (ytd only) | 10.0050% | 958 |
| Net charge-offs to loans | 0.0019% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1,396.0000% | 15 |
| Efficiency ratio | 50.0173% | 6,254 |
| Assets per employee ($millions) | 5.1137% | 2,114 |
| Cash dividends to net income (ytd only)* | 10.4009% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 6,023 |
| Loan loss allowance to noncurrent loans | 108.1685% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 4,724 |
| Noncurrent loans to loans | 0.7770% | 3,916 |
| Net loans and leases to total assets | 60.1628% | 3,540 |
| Net loans and leases to deposits | 67.6810% | 3,891 |
| Net loans and leases to core deposits | 69.2161% | 4,181 |
| Total domestic deposits to total assets | 88.8917% | 1,730 |
| Equity capital to assets | 10.0770% | 3,750 |
| Core capital (leverage) ratio | 9.3203% | 4,541 |
| Tier 1 risk-based capital ratio | 13.7841% | 4,478 |
| Total risk-based capital ratio | 14.5263% | 4,770 |
| Memoranda: | ||
| Average total assets | $341,009,000 | 1,927 |
| Average earning assets | $323,363,000 | 1,864 |
| Average equity | $33,063,500 | 2,083 |
| Average total loans | $211,599,500 | 1,964 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5627% | 5,500 |
| Cost of funding earning assets | 0.6353% | 2,337 |
| Net interest margin | 2.9273% | 5,735 |
| Noninterest income to average assets | 0.5570% | 3,358 |
| Noninterest expense to average assets | 1.8009% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0077% | 2,293 |
| Return on assets (ROA) | 1.0128% | 2,335 |
| Pretax return on assets | 1.5291% | 1,354 |
| Return on Equity (ROE) | 10.7501% | 1,844 |
| Retained earnings to average equity (ytd only) | 8.0532% | 1,038 |
| Net charge-offs to loans | 0.0074% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 344.9333% | 124 |
| Efficiency ratio | 53.3546% | 6,188 |
| Assets per employee ($millions) | 5.3789% | 1,767 |
| Cash dividends to net income (ytd only)* | 25.0871% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7656% | 6,240 |
| Loan loss allowance to noncurrent loans | 95.6571% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 4,110 |
| Noncurrent loans to loans | 0.8003% | 3,977 |
| Net loans and leases to total assets | 62.8763% | 3,222 |
| Net loans and leases to deposits | 76.1479% | 2,949 |
| Net loans and leases to core deposits | 78.1209% | 3,342 |
| Total domestic deposits to total assets | 82.5712% | 4,691 |
| Equity capital to assets | 9.3333% | 4,648 |
| Core capital (leverage) ratio | 8.9084% | 5,132 |
| Tier 1 risk-based capital ratio | 12.3799% | 5,371 |
| Total risk-based capital ratio | 13.0661% | 5,666 |
| Memoranda: | ||
| Average total assets | $340,061,600 | 1,892 |
| Average earning assets | $321,247,000 | 1,852 |
| Average equity | $32,037,000 | 2,128 |
| Average total loans | $202,314,800 | 1,987 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 5,602 |
| Cost of funding earning assets | 0.6555% | 2,315 |
| Net interest margin | 2.8825% | 5,853 |
| Noninterest income to average assets | 0.5374% | 3,537 |
| Noninterest expense to average assets | 1.5766% | 6,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1051% | 1,985 |
| Return on assets (ROA) | 1.1087% | 2,045 |
| Pretax return on assets | 1.6852% | 1,134 |
| Return on Equity (ROE) | 11.7407% | 1,561 |
| Retained earnings to average equity (ytd only) | 10.5365% | 681 |
| Net charge-offs to loans | 0.0148% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 193.3808% | 301 |
| Efficiency ratio | 47.5446% | 6,521 |
| Assets per employee ($millions) | 5.1376% | 2,008 |
| Cash dividends to net income (ytd only)* | 10.2564% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 6,235 |
| Loan loss allowance to noncurrent loans | 99.8227% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 4,156 |
| Noncurrent loans to loans | 0.8226% | 4,190 |
| Net loans and leases to total assets | 60.1639% | 3,673 |
| Net loans and leases to deposits | 69.3091% | 3,889 |
| Net loans and leases to core deposits | 71.0211% | 4,209 |
| Total domestic deposits to total assets | 86.8051% | 2,796 |
| Equity capital to assets | 9.6131% | 4,399 |
| Core capital (leverage) ratio | 9.0151% | 5,102 |
| Tier 1 risk-based capital ratio | 13.1395% | 5,022 |
| Total risk-based capital ratio | 13.8667% | 5,323 |
| Memoranda: | ||
| Average total assets | $337,670,000 | 1,913 |
| Average earning assets | $318,510,250 | 1,884 |
| Average equity | $31,888,250 | 2,155 |
| Average total loans | $197,511,250 | 2,021 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 5,650 |
| Cost of funding earning assets | 0.6723% | 2,287 |
| Net interest margin | 2.8508% | 5,897 |
| Noninterest income to average assets | 0.5380% | 3,579 |
| Noninterest expense to average assets | 1.5255% | 6,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1279% | 1,824 |
| Return on assets (ROA) | 1.1335% | 1,916 |
| Pretax return on assets | 1.7017% | 1,109 |
| Return on Equity (ROE) | 12.0749% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.8618% | 669 |
| Net charge-offs to loans | 0.0236% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 124.1304% | 392 |
| Efficiency ratio | 46.5082% | 6,613 |
| Assets per employee ($millions) | 5.2155% | 1,876 |
| Cash dividends to net income (ytd only)* | 10.0471% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 6,280 |
| Loan loss allowance to noncurrent loans | 117.1409% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 4,519 |
| Noncurrent loans to loans | 0.7166% | 4,494 |
| Net loans and leases to total assets | 57.9244% | 4,000 |
| Net loans and leases to deposits | 68.4372% | 3,947 |
| Net loans and leases to core deposits | 70.2207% | 4,246 |
| Total domestic deposits to total assets | 84.6389% | 4,064 |
| Equity capital to assets | 9.3084% | 4,845 |
| Core capital (leverage) ratio | 8.7593% | 5,345 |
| Tier 1 risk-based capital ratio | 12.9434% | 5,183 |
| Total risk-based capital ratio | 13.6792% | 5,494 |
| Memoranda: | ||
| Average total assets | $337,200,330 | 1,925 |
| Average earning assets | $317,101,330 | 1,890 |
| Average equity | $31,652,330 | 2,176 |
| Average total loans | $194,784,330 | 2,057 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 5,523 |
| Cost of funding earning assets | 0.6899% | 2,311 |
| Net interest margin | 2.8831% | 5,852 |
| Noninterest income to average assets | 0.5178% | 3,649 |
| Noninterest expense to average assets | 1.5919% | 6,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1076% | 1,829 |
| Return on assets (ROA) | 1.1076% | 1,935 |
| Pretax return on assets | 1.6411% | 1,214 |
| Return on Equity (ROE) | 11.7492% | 1,484 |
| Retained earnings to average equity (ytd only) | 10.5285% | 978 |
| Net charge-offs to loans | 0.0021% | 4,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1,369.0000% | 9 |
| Efficiency ratio | 48.3500% | 6,598 |
| Assets per employee ($millions) | 5.1019% | 2,094 |
| Cash dividends to net income (ytd only)* | 10.3896% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 6,204 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 4,709 |
| Noncurrent loans to loans | 0.7379% | 4,658 |
| Net loans and leases to total assets | 54.5526% | 4,320 |
| Net loans and leases to deposits | 61.4892% | 4,616 |
| Net loans and leases to core deposits | 62.9262% | 4,856 |
| Total domestic deposits to total assets | 88.7189% | 1,858 |
| Equity capital to assets | 9.4410% | 4,936 |
| Core capital (leverage) ratio | 8.7019% | 5,326 |
| Tier 1 risk-based capital ratio | 12.7788% | 5,380 |
| Total risk-based capital ratio | 13.5382% | 5,682 |
| Memoranda: | ||
| Average total assets | $333,687,500 | 1,968 |
| Average earning assets | $314,246,500 | 1,934 |
| Average equity | $31,457,500 | 2,215 |
| Average total loans | $191,637,000 | 2,090 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 4,952 |
| Cost of funding earning assets | 0.8479% | 2,306 |
| Net interest margin | 3.2514% | 5,425 |
| Noninterest income to average assets | 0.5878% | 3,345 |
| Noninterest expense to average assets | 1.9893% | 6,350 |
| Loan and lease loss provision to assets | 0.1890% | 3,275 |
| Net operating income to assets | 0.9424% | 2,588 |
| Return on assets (ROA) | 0.9424% | 2,837 |
| Pretax return on assets | 1.4473% | 1,866 |
| Return on Equity (ROE) | 10.0780% | 2,135 |
| Retained earnings to average equity (ytd only) | 7.2389% | 1,454 |
| Net charge-offs to loans | 0.7054% | 1,678 |
| Credit loss provision to net charge-offs | 45.9298% | 4,786 |
| Earnings coverage of net charge-offs (x) | 3.9768% | 3,530 |
| Efficiency ratio | 54.0554% | 6,263 |
| Assets per employee ($millions) | 5.0099% | 2,219 |
| Cash dividends to net income (ytd only)* | 28.1709% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 6,363 |
| Loan loss allowance to noncurrent loans | 123.6272% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 4,774 |
| Noncurrent loans to loans | 0.6994% | 4,791 |
| Net loans and leases to total assets | 59.3258% | 3,717 |
| Net loans and leases to deposits | 68.2759% | 3,939 |
| Net loans and leases to core deposits | 69.8719% | 4,332 |
| Total domestic deposits to total assets | 86.8914% | 2,893 |
| Equity capital to assets | 9.4132% | 4,980 |
| Core capital (leverage) ratio | 8.4917% | 5,622 |
| Tier 1 risk-based capital ratio | 12.5768% | 5,421 |
| Total risk-based capital ratio | 13.3474% | 5,687 |
| Memoranda: | ||
| Average total assets | $325,433,800 | 1,975 |
| Average earning assets | $304,058,200 | 1,948 |
| Average equity | $30,432,600 | 2,223 |
| Average total loans | $189,824,800 | 2,098 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 5,233 |
| Cost of funding earning assets | 0.8751% | 2,354 |
| Net interest margin | 3.2131% | 5,671 |
| Noninterest income to average assets | 0.5825% | 3,394 |
| Noninterest expense to average assets | 1.7791% | 6,701 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1505% | 1,902 |
| Return on assets (ROA) | 1.1505% | 2,099 |
| Pretax return on assets | 1.7984% | 1,051 |
| Return on Equity (ROE) | 12.3242% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.0552% | 672 |
| Net charge-offs to loans | 0.0071% | 5,636 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 437.2986% | 102 |
| Efficiency ratio | 48.9019% | 6,673 |
| Assets per employee ($millions) | 5.0291% | 2,152 |
| Cash dividends to net income (ytd only)* | 10.2967% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,994 |
| Loan loss allowance to noncurrent loans | 63.5316% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 3,984 |
| Noncurrent loans to loans | 1.9872% | 2,854 |
| Net loans and leases to total assets | 57.1389% | 4,272 |
| Net loans and leases to deposits | 66.8449% | 4,357 |
| Net loans and leases to core deposits | 68.3589% | 4,691 |
| Total domestic deposits to total assets | 85.4798% | 3,521 |
| Equity capital to assets | 9.5402% | 5,155 |
| Core capital (leverage) ratio | 8.6261% | 5,587 |
| Tier 1 risk-based capital ratio | 12.3159% | 5,754 |
| Total risk-based capital ratio | 13.3748% | 5,846 |
| Memoranda: | ||
| Average total assets | $324,129,250 | 2,002 |
| Average earning assets | $302,130,500 | 1,971 |
| Average equity | $30,259,500 | 2,253 |
| Average total loans | $187,812,750 | 2,131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1127% | 5,272 |
| Cost of funding earning assets | 0.9076% | 2,339 |
| Net interest margin | 3.2051% | 5,724 |
| Noninterest income to average assets | 0.5374% | 3,665 |
| Noninterest expense to average assets | 1.8207% | 6,728 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1414% | 1,908 |
| Return on assets (ROA) | 1.1414% | 2,127 |
| Pretax return on assets | 1.7019% | 1,250 |
| Return on Equity (ROE) | 12.3193% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.0303% | 740 |
| Net charge-offs to loans | 0.0097% | 5,326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 141 |
| Efficiency ratio | 50.8388% | 6,587 |
| Assets per employee ($millions) | 5.0091% | 2,173 |
| Cash dividends to net income (ytd only)* | 10.4632% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 5,032 |
| Loan loss allowance to noncurrent loans | 58.9694% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 1.2468% | 3,920 |
| Noncurrent loans to loans | 2.1560% | 2,757 |
| Net loans and leases to total assets | 56.9846% | 4,329 |
| Net loans and leases to deposits | 67.5766% | 4,275 |
| Net loans and leases to core deposits | 69.0572% | 4,659 |
| Total domestic deposits to total assets | 84.3260% | 4,178 |
| Equity capital to assets | 9.2608% | 5,378 |
| Core capital (leverage) ratio | 8.5258% | 5,619 |
| Tier 1 risk-based capital ratio | 12.2991% | 5,721 |
| Total risk-based capital ratio | 13.3914% | 5,817 |
| Memoranda: | ||
| Average total assets | $321,531,330 | 2,017 |
| Average earning assets | $299,463,670 | 1,983 |
| Average equity | $29,790,670 | 2,269 |
| Average total loans | $186,389,670 | 2,146 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 5,252 |
| Cost of funding earning assets | 0.9502% | 2,306 |
| Net interest margin | 3.2078% | 5,763 |
| Noninterest income to average assets | 0.5110% | 3,841 |
| Noninterest expense to average assets | 1.8170% | 6,777 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1256% | 1,969 |
| Return on assets (ROA) | 1.1256% | 2,155 |
| Pretax return on assets | 1.6757% | 1,367 |
| Return on Equity (ROE) | 12.1451% | 1,636 |
| Retained earnings to average equity (ytd only) | 10.8380% | 1,078 |
| Net charge-offs to loans | 0.0109% | 4,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 265.6000% | 132 |
| Efficiency ratio | 51.1561% | 6,605 |
| Assets per employee ($millions) | 4.8289% | 2,470 |
| Cash dividends to net income (ytd only)* | 10.7623% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,773 |
| Loan loss allowance to noncurrent loans | 58.9520% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 3,971 |
| Noncurrent loans to loans | 2.3030% | 2,805 |
| Net loans and leases to total assets | 55.3962% | 4,484 |
| Net loans and leases to deposits | 63.3716% | 4,717 |
| Net loans and leases to core deposits | 64.0940% | 5,102 |
| Total domestic deposits to total assets | 87.4148% | 2,716 |
| Equity capital to assets | 9.3528% | 5,025 |
| Core capital (leverage) ratio | 8.4965% | 5,601 |
| Tier 1 risk-based capital ratio | 12.1754% | 5,846 |
| Total risk-based capital ratio | 13.2941% | 5,917 |
| Memoranda: | ||
| Average total assets | $316,998,000 | 2,055 |
| Average earning assets | $294,661,000 | 2,019 |
| Average equity | $29,378,000 | 2,303 |
| Average total loans | $184,176,500 | 2,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 5,244 |
| Cost of funding earning assets | 1.0905% | 2,732 |
| Net interest margin | 3.3621% | 5,605 |
| Noninterest income to average assets | 0.5233% | 3,694 |
| Noninterest expense to average assets | 2.0310% | 6,623 |
| Loan and lease loss provision to assets | 0.1931% | 4,253 |
| Net operating income to assets | 0.9623% | 2,348 |
| Return on assets (ROA) | 0.9633% | 2,476 |
| Pretax return on assets | 1.4297% | 1,685 |
| Return on Equity (ROE) | 10.7245% | 1,793 |
| Retained earnings to average equity (ytd only) | 7.6286% | 1,216 |
| Net charge-offs to loans | 0.0539% | 5,781 |
| Credit loss provision to net charge-offs | 594.0594% | 385 |
| Earnings coverage of net charge-offs (x) | 49.8713% | 563 |
| Efficiency ratio | 54.7634% | 6,447 |
| Assets per employee ($millions) | 4.7771% | 2,480 |
| Cash dividends to net income (ytd only)* | 28.8674% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,990 |
| Loan loss allowance to noncurrent loans | 59.7253% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 4,053 |
| Noncurrent loans to loans | 2.1529% | 3,004 |
| Net loans and leases to total assets | 59.2906% | 4,135 |
| Net loans and leases to deposits | 69.8072% | 4,138 |
| Net loans and leases to core deposits | 70.6280% | 4,702 |
| Total domestic deposits to total assets | 84.9347% | 3,887 |
| Equity capital to assets | 9.1814% | 5,319 |
| Core capital (leverage) ratio | 8.2629% | 5,902 |
| Tier 1 risk-based capital ratio | 11.4096% | 6,209 |
| Total risk-based capital ratio | 12.4938% | 6,296 |
| Memoranda: | ||
| Average total assets | $310,691,000 | 2,063 |
| Average earning assets | $289,134,400 | 2,030 |
| Average equity | $27,908,000 | 2,332 |
| Average total loans | $187,365,800 | 2,159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4841% | 5,294 |
| Cost of funding earning assets | 1.1187% | 2,843 |
| Net interest margin | 3.3654% | 5,669 |
| Noninterest income to average assets | 0.5307% | 3,648 |
| Noninterest expense to average assets | 1.8677% | 6,895 |
| Loan and lease loss provision to assets | 0.0646% | 5,644 |
| Net operating income to assets | 1.1364% | 1,857 |
| Return on assets (ROA) | 1.1376% | 1,973 |
| Pretax return on assets | 1.7333% | 1,074 |
| Return on Equity (ROE) | 12.7360% | 1,350 |
| Retained earnings to average equity (ytd only) | 11.3471% | 578 |
| Net charge-offs to loans | 0.0186% | 5,897 |
| Credit loss provision to net charge-offs | 576.9231% | 473 |
| Earnings coverage of net charge-offs (x) | 160.3652% | 243 |
| Efficiency ratio | 50.1293% | 6,821 |
| Assets per employee ($millions) | 4.6757% | 2,651 |
| Cash dividends to net income (ytd only)* | 10.9049% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,846 |
| Loan loss allowance to noncurrent loans | 44.1586% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5143% | 3,836 |
| Noncurrent loans to loans | 2.5146% | 2,754 |
| Net loans and leases to total assets | 59.4474% | 4,245 |
| Net loans and leases to deposits | 68.7502% | 4,479 |
| Net loans and leases to core deposits | 69.5686% | 4,997 |
| Total domestic deposits to total assets | 86.4688% | 2,951 |
| Equity capital to assets | 9.4706% | 5,131 |
| Core capital (leverage) ratio | 8.3972% | 5,860 |
| Tier 1 risk-based capital ratio | 12.1853% | 5,752 |
| Total risk-based capital ratio | 13.1572% | 5,941 |
| Memoranda: | ||
| Average total assets | $309,541,750 | 2,075 |
| Average earning assets | $288,183,000 | 2,041 |
| Average equity | $27,648,000 | 2,353 |
| Average total loans | $186,864,500 | 2,178 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 5,408 |
| Cost of funding earning assets | 1.1512% | 2,894 |
| Net interest margin | 3.3308% | 5,770 |
| Noninterest income to average assets | 0.4731% | 4,081 |
| Noninterest expense to average assets | 1.8060% | 7,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1634% | 1,684 |
| Return on assets (ROA) | 1.1651% | 1,755 |
| Pretax return on assets | 1.7699% | 931 |
| Return on Equity (ROE) | 13.3102% | 1,134 |
| Retained earnings to average equity (ytd only) | 11.8944% | 529 |
| Net charge-offs to loans | 0.0235% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 124.4545% | 283 |
| Efficiency ratio | 49.6749% | 6,960 |
| Assets per employee ($millions) | 4.7155% | 2,521 |
| Cash dividends to net income (ytd only)* | 10.6371% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 6,307 |
| Loan loss allowance to noncurrent loans | 37.0356% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 3,688 |
| Noncurrent loans to loans | 2.7158% | 2,677 |
| Net loans and leases to total assets | 60.5279% | 4,176 |
| Net loans and leases to deposits | 72.4060% | 4,053 |
| Net loans and leases to core deposits | 73.3593% | 4,656 |
| Total domestic deposits to total assets | 83.5951% | 4,507 |
| Equity capital to assets | 9.0555% | 5,498 |
| Core capital (leverage) ratio | 8.2500% | 5,951 |
| Tier 1 risk-based capital ratio | 11.6426% | 6,062 |
| Total risk-based capital ratio | 12.5317% | 6,328 |
| Memoranda: | ||
| Average total assets | $309,856,670 | 2,079 |
| Average earning assets | $288,396,330 | 2,049 |
| Average equity | $27,122,000 | 2,376 |
| Average total loans | $187,315,000 | 2,201 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 5,305 |
| Cost of funding earning assets | 1.1996% | 2,818 |
| Net interest margin | 3.3094% | 5,742 |
| Noninterest income to average assets | 0.4464% | 4,321 |
| Noninterest expense to average assets | 1.8708% | 7,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1372% | 1,712 |
| Return on assets (ROA) | 1.1372% | 1,755 |
| Pretax return on assets | 1.6522% | 1,076 |
| Return on Equity (ROE) | 13.2223% | 1,147 |
| Retained earnings to average equity (ytd only) | 11.7782% | 769 |
| Net charge-offs to loans | 0.0344% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 79.8125% | 389 |
| Efficiency ratio | 52.2218% | 6,836 |
| Assets per employee ($millions) | 4.6750% | 2,617 |
| Cash dividends to net income (ytd only)* | 10.9215% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 6,191 |
| Loan loss allowance to noncurrent loans | 96.4340% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6511% | 5,660 |
| Noncurrent loans to loans | 1.0979% | 4,866 |
| Net loans and leases to total assets | 58.1500% | 4,622 |
| Net loans and leases to deposits | 67.7932% | 4,705 |
| Net loans and leases to core deposits | 68.7467% | 5,199 |
| Total domestic deposits to total assets | 85.7756% | 3,651 |
| Equity capital to assets | 8.7685% | 5,547 |
| Core capital (leverage) ratio | 7.9376% | 6,320 |
| Tier 1 risk-based capital ratio | 11.5262% | 6,085 |
| Total risk-based capital ratio | 12.4404% | 6,330 |
| Memoranda: | ||
| Average total assets | $309,172,500 | 2,103 |
| Average earning assets | $287,421,500 | 2,069 |
| Average equity | $26,591,500 | 2,401 |
| Average total loans | $185,826,500 | 2,241 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8015% | 5,403 |
| Cost of funding earning assets | 1.5680% | 2,254 |
| Net interest margin | 3.2335% | 6,183 |
| Noninterest income to average assets | 0.5564% | 3,781 |
| Noninterest expense to average assets | 2.1783% | 6,674 |
| Loan and lease loss provision to assets | 0.0068% | 7,008 |
| Net operating income to assets | 0.9344% | 2,261 |
| Return on assets (ROA) | 0.9497% | 2,328 |
| Pretax return on assets | 1.3999% | 1,667 |
| Return on Equity (ROE) | 10.9065% | 1,616 |
| Retained earnings to average equity (ytd only) | 7.5278% | 1,138 |
| Net charge-offs to loans | -0.0792% | 7,483 |
| Credit loss provision to net charge-offs | -14.4928% | 6,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3135% | 5,996 |
| Assets per employee ($millions) | 4.6939% | 2,567 |
| Cash dividends to net income (ytd only)* | 30.9788% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 6,301 |
| Loan loss allowance to noncurrent loans | 96.3184% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 5,699 |
| Noncurrent loans to loans | 1.0562% | 4,961 |
| Net loans and leases to total assets | 60.8064% | 4,524 |
| Net loans and leases to deposits | 70.5318% | 4,748 |
| Net loans and leases to core deposits | 71.8084% | 5,234 |
| Total domestic deposits to total assets | 86.2113% | 3,241 |
| Equity capital to assets | 8.4339% | 5,945 |
| Core capital (leverage) ratio | 7.6694% | 6,568 |
| Tier 1 risk-based capital ratio | 10.7687% | 6,517 |
| Total risk-based capital ratio | 11.6596% | 6,738 |
| Memoranda: | ||
| Average total assets | $293,667,800 | 2,191 |
| Average earning assets | $273,018,800 | 2,163 |
| Average equity | $25,571,800 | 2,490 |
| Average total loans | $174,207,800 | 2,416 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 5,518 |
| Cost of funding earning assets | 1.6400% | 2,161 |
| Net interest margin | 3.1982% | 6,348 |
| Noninterest income to average assets | 0.5510% | 3,778 |
| Noninterest expense to average assets | 2.0264% | 7,001 |
| Loan and lease loss provision to assets | 0.0092% | 6,931 |
| Net operating income to assets | 1.0268% | 2,145 |
| Return on assets (ROA) | 1.0477% | 2,182 |
| Pretax return on assets | 1.5136% | 1,577 |
| Return on Equity (ROE) | 11.9318% | 1,521 |
| Retained earnings to average equity (ytd only) | 10.4220% | 698 |
| Net charge-offs to loans | -0.1081% | 7,563 |
| Credit loss provision to net charge-offs | -14.4928% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7504% | 6,452 |
| Assets per employee ($millions) | 4.6717% | 2,648 |
| Cash dividends to net income (ytd only)* | 12.6538% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 6,000 |
| Loan loss allowance to noncurrent loans | 64.8142% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 5,110 |
| Noncurrent loans to loans | 1.6755% | 4,130 |
| Net loans and leases to total assets | 58.0697% | 5,252 |
| Net loans and leases to deposits | 65.3858% | 5,736 |
| Net loans and leases to core deposits | 66.8085% | 6,050 |
| Total domestic deposits to total assets | 88.8109% | 1,502 |
| Equity capital to assets | 8.7687% | 5,905 |
| Core capital (leverage) ratio | 7.8782% | 6,489 |
| Tier 1 risk-based capital ratio | 11.3764% | 6,036 |
| Total risk-based capital ratio | 12.3160% | 6,306 |
| Memoranda: | ||
| Average total assets | $289,635,250 | 2,247 |
| Average earning assets | $268,768,250 | 2,223 |
| Average equity | $25,432,750 | 2,544 |
| Average total loans | $170,181,500 | 2,511 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 5,384 |
| Cost of funding earning assets | 1.6920% | 2,157 |
| Net interest margin | 3.2076% | 6,294 |
| Noninterest income to average assets | 0.4955% | 4,155 |
| Noninterest expense to average assets | 2.0543% | 7,011 |
| Loan and lease loss provision to assets | 0.0140% | 6,773 |
| Net operating income to assets | 0.9759% | 2,278 |
| Return on assets (ROA) | 1.0044% | 2,258 |
| Pretax return on assets | 1.4416% | 1,719 |
| Return on Equity (ROE) | 11.4321% | 1,613 |
| Retained earnings to average equity (ytd only) | 9.8983% | 866 |
| Net charge-offs to loans | -0.1970% | 7,642 |
| Credit loss provision to net charge-offs | -12.1212% | 6,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4058% | 6,321 |
| Assets per employee ($millions) | 4.5104% | 2,860 |
| Cash dividends to net income (ytd only)* | 13.4172% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 5,848 |
| Loan loss allowance to noncurrent loans | 107.3264% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 5,924 |
| Noncurrent loans to loans | 1.0437% | 5,220 |
| Net loans and leases to total assets | 59.1043% | 5,228 |
| Net loans and leases to deposits | 67.2664% | 5,650 |
| Net loans and leases to core deposits | 68.9975% | 5,974 |
| Total domestic deposits to total assets | 87.8660% | 2,072 |
| Equity capital to assets | 8.8026% | 5,749 |
| Core capital (leverage) ratio | 7.9280% | 6,354 |
| Tier 1 risk-based capital ratio | 11.2622% | 5,984 |
| Total risk-based capital ratio | 12.2375% | 6,238 |
| Memoranda: | ||
| Average total assets | $284,960,000 | 2,300 |
| Average earning assets | $264,183,330 | 2,273 |
| Average equity | $25,034,670 | 2,584 |
| Average total loans | $167,485,000 | 2,589 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 5,419 |
| Cost of funding earning assets | 1.7270% | 2,252 |
| Net interest margin | 3.1825% | 6,348 |
| Noninterest income to average assets | 0.4714% | 4,284 |
| Noninterest expense to average assets | 2.2859% | 6,419 |
| Loan and lease loss provision to assets | 0.0285% | 6,391 |
| Net operating income to assets | 0.7930% | 3,001 |
| Return on assets (ROA) | 0.8517% | 2,839 |
| Pretax return on assets | 1.1949% | 2,378 |
| Return on Equity (ROE) | 9.7044% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.1465% | 1,647 |
| Net charge-offs to loans | -0.4181% | 7,782 |
| Credit loss provision to net charge-offs | -11.6959% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0432% | 5,105 |
| Assets per employee ($millions) | 4.5232% | 2,913 |
| Cash dividends to net income (ytd only)* | 16.0535% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 5,770 |
| Loan loss allowance to noncurrent loans | 236.9434% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 6,732 |
| Noncurrent loans to loans | 0.4858% | 6,329 |
| Net loans and leases to total assets | 58.4128% | 5,364 |
| Net loans and leases to deposits | 67.4308% | 5,656 |
| Net loans and leases to core deposits | 68.5564% | 6,050 |
| Total domestic deposits to total assets | 86.6263% | 2,831 |
| Equity capital to assets | 8.5890% | 5,883 |
| Core capital (leverage) ratio | 7.9033% | 6,380 |
| Tier 1 risk-based capital ratio | 11.1485% | 6,007 |
| Total risk-based capital ratio | 12.1506% | 6,228 |
| Memoranda: | ||
| Average total assets | $280,852,500 | 2,391 |
| Average earning assets | $260,803,500 | 2,346 |
| Average equity | $24,648,500 | 2,648 |
| Average total loans | $163,606,500 | 2,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 5,863 |
| Cost of funding earning assets | 2.1617% | 2,178 |
| Net interest margin | 2.9917% | 6,668 |
| Noninterest income to average assets | 0.5212% | 4,251 |
| Noninterest expense to average assets | 2.1636% | 7,059 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8412% | 2,382 |
| Return on assets (ROA) | 0.8421% | 2,462 |
| Pretax return on assets | 1.1610% | 2,058 |
| Return on Equity (ROE) | 9.0667% | 2,004 |
| Retained earnings to average equity (ytd only) | 5.3993% | 1,624 |
| Net charge-offs to loans | -0.0557% | 7,850 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7248% | 5,824 |
| Assets per employee ($millions) | 4.7758% | 2,510 |
| Cash dividends to net income (ytd only)* | 40.4494% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 5,697 |
| Loan loss allowance to noncurrent loans | 214.2169% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3115% | 6,659 |
| Noncurrent loans to loans | 0.5316% | 6,192 |
| Net loans and leases to total assets | 56.7077% | 5,870 |
| Net loans and leases to deposits | 69.6482% | 5,651 |
| Net loans and leases to core deposits | 81.4307% | 5,964 |
| Total domestic deposits to total assets | 81.4201% | 5,186 |
| Equity capital to assets | 8.9755% | 5,185 |
| Core capital (leverage) ratio | 8.4001% | 5,437 |
| Tier 1 risk-based capital ratio | 12.0219% | 4,932 |
| Total risk-based capital ratio | 12.9909% | 5,124 |
| Memoranda: | ||
| Average total assets | $253,651,600 | 2,570 |
| Average earning assets | $237,590,600 | 2,530 |
| Average equity | $23,558,800 | 2,782 |
| Average total loans | $145,428,000 | 2,994 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1985% | 5,884 |
| Cost of funding earning assets | 2.2431% | 2,214 |
| Net interest margin | 2.9554% | 6,722 |
| Noninterest income to average assets | 0.4990% | 4,489 |
| Noninterest expense to average assets | 2.0432% | 7,303 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8764% | 2,514 |
| Return on assets (ROA) | 0.8776% | 2,587 |
| Pretax return on assets | 1.2342% | 2,152 |
| Return on Equity (ROE) | 9.3627% | 2,137 |
| Retained earnings to average equity (ytd only) | 7.7175% | 1,226 |
| Net charge-offs to loans | -0.0887% | 7,912 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9513% | 6,289 |
| Assets per employee ($millions) | 4.5842% | 2,722 |
| Cash dividends to net income (ytd only)* | 17.5717% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 4,999 |
| Loan loss allowance to noncurrent loans | 210.5758% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 6,633 |
| Noncurrent loans to loans | 0.5801% | 6,158 |
| Net loans and leases to total assets | 56.4488% | 6,095 |
| Net loans and leases to deposits | 65.9961% | 6,309 |
| Net loans and leases to core deposits | 77.4741% | 6,527 |
| Total domestic deposits to total assets | 85.5334% | 2,952 |
| Equity capital to assets | 9.4762% | 4,773 |
| Core capital (leverage) ratio | 8.6658% | 5,194 |
| Tier 1 risk-based capital ratio | 12.9551% | 4,223 |
| Total risk-based capital ratio | 14.0051% | 4,296 |
| Memoranda: | ||
| Average total assets | $249,009,750 | 2,632 |
| Average earning assets | $233,960,750 | 2,575 |
| Average equity | $23,340,250 | 2,824 |
| Average total loans | $142,748,250 | 3,069 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 6,149 |
| Cost of funding earning assets | 2.2834% | 2,434 |
| Net interest margin | 2.8963% | 6,809 |
| Noninterest income to average assets | 0.4610% | 4,769 |
| Noninterest expense to average assets | 1.9396% | 7,571 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8885% | 2,498 |
| Return on assets (ROA) | 0.8903% | 2,607 |
| Pretax return on assets | 1.2506% | 2,159 |
| Return on Equity (ROE) | 9.5344% | 2,179 |
| Retained earnings to average equity (ytd only) | 7.8657% | 1,255 |
| Net charge-offs to loans | -0.0905% | 7,938 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3686% | 6,639 |
| Assets per employee ($millions) | 3.9402% | 3,796 |
| Cash dividends to net income (ytd only)* | 17.5023% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,614 |
| Loan loss allowance to noncurrent loans | 108.2360% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 5,794 |
| Noncurrent loans to loans | 1.1537% | 4,910 |
| Net loans and leases to total assets | 55.2262% | 6,313 |
| Net loans and leases to deposits | 65.7632% | 6,417 |
| Net loans and leases to core deposits | 77.6573% | 6,563 |
| Total domestic deposits to total assets | 83.9773% | 3,790 |
| Equity capital to assets | 9.2389% | 4,951 |
| Core capital (leverage) ratio | 8.7490% | 5,004 |
| Tier 1 risk-based capital ratio | 13.0530% | 4,103 |
| Total risk-based capital ratio | 14.1155% | 4,149 |
| Memoranda: | ||
| Average total assets | $246,441,000 | 2,675 |
| Average earning assets | $232,021,000 | 2,605 |
| Average equity | $23,011,330 | 2,859 |
| Average total loans | $141,429,330 | 3,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 6,001 |
| Cost of funding earning assets | 2.3068% | 2,663 |
| Net interest margin | 2.9696% | 6,556 |
| Noninterest income to average assets | 0.4450% | 4,831 |
| Noninterest expense to average assets | 2.0396% | 7,252 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8729% | 2,827 |
| Return on assets (ROA) | 0.8753% | 2,966 |
| Pretax return on assets | 1.2119% | 2,587 |
| Return on Equity (ROE) | 9.3231% | 2,603 |
| Retained earnings to average equity (ytd only) | 7.6439% | 1,954 |
| Net charge-offs to loans | -0.0847% | 7,837 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3246% | 6,190 |
| Assets per employee ($millions) | 4.0639% | 3,529 |
| Cash dividends to net income (ytd only)* | 18.0113% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 4,588 |
| Loan loss allowance to noncurrent loans | 357.5569% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 6,924 |
| Noncurrent loans to loans | 0.3441% | 6,570 |
| Net loans and leases to total assets | 56.8595% | 6,120 |
| Net loans and leases to deposits | 66.9399% | 6,283 |
| Net loans and leases to core deposits | 78.8880% | 6,472 |
| Total domestic deposits to total assets | 84.9411% | 3,235 |
| Equity capital to assets | 9.5273% | 4,628 |
| Core capital (leverage) ratio | 8.7379% | 5,081 |
| Tier 1 risk-based capital ratio | 13.2341% | 4,035 |
| Total risk-based capital ratio | 14.3154% | 4,062 |
| Memoranda: | ||
| Average total assets | $243,574,500 | 2,728 |
| Average earning assets | $229,929,500 | 2,645 |
| Average equity | $22,868,000 | 2,886 |
| Average total loans | $141,630,500 | 3,142 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 7,140 |
| Cost of funding earning assets | 2.6362% | 3,504 |
| Net interest margin | 2.9396% | 7,054 |
| Noninterest income to average assets | 0.6072% | 3,793 |
| Noninterest expense to average assets | 2.0748% | 7,291 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9327% | 2,864 |
| Return on assets (ROA) | 0.7135% | 3,665 |
| Pretax return on assets | 0.9849% | 3,430 |
| Return on Equity (ROE) | 7.7001% | 3,197 |
| Retained earnings to average equity (ytd only) | 3.7518% | 2,800 |
| Net charge-offs to loans | 0.0596% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 36.6867% | 1,005 |
| Efficiency ratio | 60.1259% | 6,314 |
| Assets per employee ($millions) | 3.9887% | 3,544 |
| Cash dividends to net income (ytd only)* | 51.2760% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 4,638 |
| Loan loss allowance to noncurrent loans | 312.5230% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 6,659 |
| Noncurrent loans to loans | 0.3800% | 6,216 |
| Net loans and leases to total assets | 58.0294% | 6,195 |
| Net loans and leases to deposits | 68.5433% | 6,413 |
| Net loans and leases to core deposits | 80.0591% | 6,614 |
| Total domestic deposits to total assets | 84.6609% | 3,000 |
| Equity capital to assets | 9.2494% | 5,002 |
| Core capital (leverage) ratio | 8.5927% | 5,392 |
| Tier 1 risk-based capital ratio | 12.7944% | 4,221 |
| Total risk-based capital ratio | 13.8448% | 4,283 |
| Memoranda: | ||
| Average total assets | $236,167,400 | 2,688 |
| Average earning assets | $221,490,200 | 2,643 |
| Average equity | $21,882,800 | 2,991 |
| Average total loans | $139,272,000 | 3,110 |