Home > The Richwood Banking Company > Performance and Condition Ratios
The Richwood Banking Company, 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 | 4.8190% | 2,439 |
| Cost of funding earning assets | 1.4742% | 2,010 |
| Net interest margin | 3.3448% | 2,524 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.6703% | 1,819 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7958% | 2,885 |
| Return on assets (ROA) | 0.7868% | 2,892 |
| Pretax return on assets | 0.9384% | 2,852 |
| Return on Equity (ROE) | 13.3800% | 1,637 |
| Retained earnings to average equity (ytd only) | 13.3775% | 465 |
| Net charge-offs to loans | 0.0434% | 1,457 |
| Credit loss provision to net charge-offs | 151.3678% | 1,465 |
| Earnings coverage of net charge-offs (x) | 33.7447% | 1,556 |
| Efficiency ratio | 72.8707% | 1,567 |
| Assets per employee ($millions) | 6.0267% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,072 |
| Loan loss allowance to noncurrent loans | 168.9004% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 1,361 |
| Noncurrent loans to loans | 0.6213% | 1,266 |
| Net loans and leases to total assets | 64.9800% | 2,371 |
| Net loans and leases to deposits | 83.5003% | 1,819 |
| Net loans and leases to core deposits | 93.2650% | 1,825 |
| Total domestic deposits to total assets | 77.8300% | 3,750 |
| Equity capital to assets | 6.5037% | 4,110 |
| Core capital (leverage) ratio | 9.0994% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8723% | 2,283 |
| Memoranda: | ||
| Average total assets | $1,144,207,400 | 882 |
| Average earning assets | $1,065,947,200 | 872 |
| Average equity | $67,299,800 | 1,287 |
| Average total loans | $758,134,600 | 901 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 2,304 |
| Cost of funding earning assets | 1.3928% | 1,891 |
| Net interest margin | 3.3899% | 2,476 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.7717% | 1,496 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7588% | 3,137 |
| Return on assets (ROA) | 0.7470% | 3,176 |
| Pretax return on assets | 0.9067% | 3,087 |
| Return on Equity (ROE) | 13.9700% | 1,659 |
| Retained earnings to average equity (ytd only) | 13.9718% | 674 |
| Net charge-offs to loans | 0.0538% | 1,138 |
| Credit loss provision to net charge-offs | 109.8684% | 1,550 |
| Earnings coverage of net charge-offs (x) | 25.9211% | 1,679 |
| Efficiency ratio | 72.0149% | 1,565 |
| Assets per employee ($millions) | 5.7711% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,201 |
| Loan loss allowance to noncurrent loans | 157.6749% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4487% | 1,298 |
| Noncurrent loans to loans | 0.6540% | 1,255 |
| Net loans and leases to total assets | 67.8900% | 2,053 |
| Net loans and leases to deposits | 79.3220% | 2,111 |
| Net loans and leases to core deposits | 87.0978% | 2,118 |
| Total domestic deposits to total assets | 85.5900% | 2,320 |
| Equity capital to assets | 4.8338% | 4,282 |
| Core capital (leverage) ratio | 8.8707% | 3,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6396% | 2,411 |
| Memoranda: | ||
| Average total assets | $1,130,474,250 | 898 |
| Average earning assets | $1,057,379,500 | 880 |
| Average equity | $60,444,000 | 1,375 |
| Average total loans | $753,727,000 | 909 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 2,277 |
| Cost of funding earning assets | 1.2645% | 1,812 |
| Net interest margin | 3.3993% | 2,517 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.7417% | 1,545 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 0.8121% | 3,044 |
| Return on assets (ROA) | 0.8131% | 3,052 |
| Pretax return on assets | 0.9821% | 2,967 |
| Return on Equity (ROE) | 14.7400% | 1,522 |
| Retained earnings to average equity (ytd only) | 14.7354% | 592 |
| Net charge-offs to loans | 0.0364% | 1,176 |
| Credit loss provision to net charge-offs | 55.1471% | 1,649 |
| Earnings coverage of net charge-offs (x) | 39.2868% | 1,409 |
| Efficiency ratio | 71.4738% | 1,620 |
| Assets per employee ($millions) | 5.7458% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 3,258 |
| Loan loss allowance to noncurrent loans | 169.1107% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 1,298 |
| Noncurrent loans to loans | 0.6139% | 1,217 |
| Net loans and leases to total assets | 66.2900% | 2,125 |
| Net loans and leases to deposits | 79.7196% | 2,005 |
| Net loans and leases to core deposits | 91.1287% | 1,729 |
| Total domestic deposits to total assets | 83.1500% | 3,011 |
| Equity capital to assets | 5.6440% | 4,252 |
| Core capital (leverage) ratio | 9.1863% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3751% | 2,515 |
| Memoranda: | ||
| Average total assets | $1,130,257,000 | 886 |
| Average earning assets | $1,059,106,667 | 865 |
| Average equity | $62,366,667 | 1,346 |
| Average total loans | $746,317,000 | 901 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,326 |
| Cost of funding earning assets | 1.1229% | 1,686 |
| Net interest margin | 3.3720% | 2,706 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.6367% | 1,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8047% | 3,180 |
| Return on assets (ROA) | 0.8067% | 3,131 |
| Pretax return on assets | 0.9949% | 3,012 |
| Return on Equity (ROE) | 14.7900% | 1,599 |
| Retained earnings to average equity (ytd only) | 14.7905% | 831 |
| Net charge-offs to loans | 0.0406% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 37.2667% | 1,218 |
| Efficiency ratio | 69.7094% | 1,773 |
| Assets per employee ($millions) | 6.1557% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,242 |
| Loan loss allowance to noncurrent loans | 169.1006% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 1,267 |
| Noncurrent loans to loans | 0.6285% | 1,195 |
| Net loans and leases to total assets | 64.2100% | 2,230 |
| Net loans and leases to deposits | 71.5978% | 2,501 |
| Net loans and leases to core deposits | 80.6489% | 2,206 |
| Total domestic deposits to total assets | 89.6800% | 1,269 |
| Equity capital to assets | 5.5964% | 4,320 |
| Core capital (leverage) ratio | 9.0208% | 3,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5880% | 2,539 |
| Memoranda: | ||
| Average total assets | $1,126,555,500 | 907 |
| Average earning assets | $1,057,640,000 | 889 |
| Average equity | $61,445,000 | 1,373 |
| Average total loans | $738,446,500 | 922 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 1,512 |
| Cost of funding earning assets | 0.4047% | 2,056 |
| Net interest margin | 3.6778% | 1,431 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 3.0078% | 959 |
| Loan and lease loss provision to assets | -0.1800% | 4,615 |
| Net operating income to assets | 0.9691% | 2,679 |
| Return on assets (ROA) | 0.9674% | 2,638 |
| Pretax return on assets | 1.1772% | 2,513 |
| Return on Equity (ROE) | 14.8000% | 1,311 |
| Retained earnings to average equity (ytd only) | 14.8025% | 305 |
| Net charge-offs to loans | 0.0824% | 835 |
| Credit loss provision to net charge-offs | -364.7619% | 4,625 |
| Earnings coverage of net charge-offs (x) | 19.6705% | 1,903 |
| Efficiency ratio | 72.2534% | 1,412 |
| Assets per employee ($millions) | 5.9900% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,035 |
| Loan loss allowance to noncurrent loans | 183.5113% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 1,707 |
| Noncurrent loans to loans | 0.4339% | 1,622 |
| Net loans and leases to total assets | 65.6900% | 2,072 |
| Net loans and leases to deposits | 72.9462% | 2,331 |
| Net loans and leases to core deposits | 79.2587% | 2,180 |
| Total domestic deposits to total assets | 90.0600% | 1,338 |
| Equity capital to assets | 5.3073% | 4,289 |
| Core capital (leverage) ratio | 9.2199% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4179% | 2,604 |
| Memoranda: | ||
| Average total assets | $1,038,086,200 | 950 |
| Average earning assets | $972,572,000 | 929 |
| Average equity | $67,839,800 | 1,283 |
| Average total loans | $636,895,000 | 989 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9628% | 1,341 |
| Cost of funding earning assets | 0.3002% | 2,165 |
| Net interest margin | 3.6626% | 1,241 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.9013% | 1,054 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.9405% | 2,704 |
| Return on assets (ROA) | 0.9381% | 2,683 |
| Pretax return on assets | 1.1406% | 2,591 |
| Return on Equity (ROE) | 13.6600% | 1,521 |
| Retained earnings to average equity (ytd only) | 13.6589% | 516 |
| Net charge-offs to loans | 0.0211% | 1,410 |
| Credit loss provision to net charge-offs | -360.8247% | 4,679 |
| Earnings coverage of net charge-offs (x) | 86.6289% | 1,010 |
| Efficiency ratio | 69.6024% | 1,809 |
| Assets per employee ($millions) | 5.6100% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 2,739 |
| Loan loss allowance to noncurrent loans | 480.0858% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,509 |
| Noncurrent loans to loans | 0.2418% | 2,416 |
| Net loans and leases to total assets | 63.9400% | 2,094 |
| Net loans and leases to deposits | 68.5613% | 2,492 |
| Net loans and leases to core deposits | 71.9275% | 2,489 |
| Total domestic deposits to total assets | 93.2600% | 512 |
| Equity capital to assets | 4.8230% | 4,329 |
| Core capital (leverage) ratio | 9.0962% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3965% | 2,314 |
| Memoranda: | ||
| Average total assets | $1,020,570,000 | 968 |
| Average earning assets | $956,095,500 | 952 |
| Average equity | $70,096,500 | 1,261 |
| Average total loans | $612,664,250 | 1,020 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 1,233 |
| Cost of funding earning assets | 0.2725% | 1,995 |
| Net interest margin | 3.5629% | 1,152 |
| Noninterest income to average assets | 0.5558% | 1,918 |
| Noninterest expense to average assets | 2.8564% | 1,063 |
| Loan and lease loss provision to assets | -0.0691% | 4,553 |
| Net operating income to assets | 0.9408% | 2,399 |
| Return on assets (ROA) | 0.9371% | 2,393 |
| Pretax return on assets | 1.1069% | 2,383 |
| Return on Equity (ROE) | 12.3776% | 1,559 |
| Retained earnings to average equity (ytd only) | 12.3776% | 551 |
| Net charge-offs to loans | 0.0118% | 1,554 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | 150.8000% | 642 |
| Efficiency ratio | 70.2254% | 1,928 |
| Assets per employee ($millions) | 5.4446% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 2,183 |
| Loan loss allowance to noncurrent loans | 580.2351% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,750 |
| Noncurrent loans to loans | 0.2244% | 2,604 |
| Net loans and leases to total assets | 59.7456% | 2,351 |
| Net loans and leases to deposits | 64.6066% | 2,667 |
| Net loans and leases to core deposits | 67.7820% | 2,672 |
| Total domestic deposits to total assets | 92.4760% | 662 |
| Equity capital to assets | 6.3292% | 4,089 |
| Core capital (leverage) ratio | 9.0111% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0385% | 2,046 |
| Memoranda: | ||
| Average total assets | $1,012,941,333 | 964 |
| Average earning assets | $950,350,667 | 959 |
| Average equity | $76,686,667 | 1,206 |
| Average total loans | $591,888,667 | 1,035 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 1,397 |
| Cost of funding earning assets | 0.2681% | 1,945 |
| Net interest margin | 3.3745% | 1,366 |
| Noninterest income to average assets | 0.5333% | 1,981 |
| Noninterest expense to average assets | 2.8363% | 1,088 |
| Loan and lease loss provision to assets | -0.0982% | 4,598 |
| Net operating income to assets | 0.8181% | 2,601 |
| Return on assets (ROA) | 0.8181% | 2,591 |
| Pretax return on assets | 0.9693% | 2,539 |
| Return on Equity (ROE) | 9.9992% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.9992% | 1,022 |
| Net charge-offs to loans | 0.0034% | 1,655 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,504 |
| Earnings coverage of net charge-offs (x) | 443.6000% | 233 |
| Efficiency ratio | 73.3157% | 1,823 |
| Assets per employee ($millions) | 5.8225% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 1,959 |
| Loan loss allowance to noncurrent loans | 1,420.7080% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,493 |
| Noncurrent loans to loans | 0.0976% | 3,354 |
| Net loans and leases to total assets | 53.8511% | 2,778 |
| Net loans and leases to deposits | 58.5942% | 3,025 |
| Net loans and leases to core deposits | 61.1120% | 3,055 |
| Total domestic deposits to total assets | 91.9053% | 614 |
| Equity capital to assets | 7.0826% | 4,171 |
| Core capital (leverage) ratio | 8.5340% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9050% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,018,510,500 | 961 |
| Average earning assets | $958,002,500 | 957 |
| Average equity | $83,327,000 | 1,152 |
| Average total loans | $584,618,000 | 1,039 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 1,392 |
| Cost of funding earning assets | 0.3892% | 1,616 |
| Net interest margin | 3.5963% | 1,479 |
| Noninterest income to average assets | 0.6446% | 1,963 |
| Noninterest expense to average assets | 2.5457% | 2,039 |
| Loan and lease loss provision to assets | 0.1188% | 1,054 |
| Net operating income to assets | 1.1143% | 2,228 |
| Return on assets (ROA) | 1.1223% | 2,263 |
| Pretax return on assets | 1.3732% | 2,127 |
| Return on Equity (ROE) | 12.9888% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.9888% | 403 |
| Net charge-offs to loans | 0.0139% | 2,044 |
| Credit loss provision to net charge-offs | 1,428.5714% | 405 |
| Earnings coverage of net charge-offs (x) | 178.2500% | 583 |
| Efficiency ratio | 60.2453% | 3,113 |
| Assets per employee ($millions) | 5.8875% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,908 |
| Loan loss allowance to noncurrent loans | 108.3595% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.7842% | 768 |
| Noncurrent loans to loans | 1.2944% | 737 |
| Net loans and leases to total assets | 59.5777% | 2,199 |
| Net loans and leases to deposits | 66.4168% | 2,471 |
| Net loans and leases to core deposits | 69.8061% | 2,469 |
| Total domestic deposits to total assets | 89.7028% | 1,111 |
| Equity capital to assets | 9.3725% | 3,253 |
| Core capital (leverage) ratio | 8.0816% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4813% | 2,057 |
| Memoranda: | ||
| Average total assets | $1,010,112,200 | 950 |
| Average earning assets | $950,309,800 | 945 |
| Average equity | $87,275,000 | 1,129 |
| Average total loans | $602,470,400 | 1,008 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 1,550 |
| Cost of funding earning assets | 0.4157% | 1,576 |
| Net interest margin | 3.5769% | 1,658 |
| Noninterest income to average assets | 0.6098% | 2,175 |
| Noninterest expense to average assets | 2.4566% | 2,253 |
| Loan and lease loss provision to assets | 0.1407% | 805 |
| Net operating income to assets | 1.1358% | 2,417 |
| Return on assets (ROA) | 1.1463% | 2,441 |
| Pretax return on assets | 1.3905% | 2,376 |
| Return on Equity (ROE) | 13.5428% | 1,539 |
| Retained earnings to average equity (ytd only) | 13.5428% | 567 |
| Net charge-offs to loans | 0.0181% | 1,696 |
| Credit loss provision to net charge-offs | 1,310.9756% | 443 |
| Earnings coverage of net charge-offs (x) | 141.4268% | 705 |
| Efficiency ratio | 58.8293% | 3,149 |
| Assets per employee ($millions) | 6.4592% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,218 |
| Loan loss allowance to noncurrent loans | 107.0164% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 1,046 |
| Noncurrent loans to loans | 1.2626% | 874 |
| Net loans and leases to total assets | 55.2275% | 2,823 |
| Net loans and leases to deposits | 60.7917% | 3,159 |
| Net loans and leases to core deposits | 63.5690% | 3,178 |
| Total domestic deposits to total assets | 90.8471% | 421 |
| Equity capital to assets | 8.2672% | 4,374 |
| Core capital (leverage) ratio | 7.7736% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3704% | 2,594 |
| Memoranda: | ||
| Average total assets | $1,018,307,500 | 962 |
| Average earning assets | $958,046,750 | 948 |
| Average equity | $86,193,750 | 1,157 |
| Average total loans | $605,449,500 | 1,022 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 2,048 |
| Cost of funding earning assets | 0.4482% | 1,533 |
| Net interest margin | 3.3602% | 2,274 |
| Noninterest income to average assets | 0.6253% | 2,106 |
| Noninterest expense to average assets | 2.4332% | 2,356 |
| Loan and lease loss provision to assets | 0.1503% | 790 |
| Net operating income to assets | 0.9970% | 2,895 |
| Return on assets (ROA) | 1.0162% | 2,917 |
| Pretax return on assets | 1.2226% | 2,852 |
| Return on Equity (ROE) | 11.9062% | 2,104 |
| Retained earnings to average equity (ytd only) | 11.9062% | 941 |
| Net charge-offs to loans | 0.0343% | 1,303 |
| Credit loss provision to net charge-offs | 721.1538% | 568 |
| Earnings coverage of net charge-offs (x) | 64.7692% | 933 |
| Efficiency ratio | 61.1388% | 2,851 |
| Assets per employee ($millions) | 6.2466% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 2,592 |
| Loan loss allowance to noncurrent loans | 81.7430% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9127% | 846 |
| Noncurrent loans to loans | 1.5525% | 722 |
| Net loans and leases to total assets | 57.9210% | 2,678 |
| Net loans and leases to deposits | 63.8590% | 3,014 |
| Net loans and leases to core deposits | 67.1319% | 3,027 |
| Total domestic deposits to total assets | 90.7014% | 479 |
| Equity capital to assets | 8.3330% | 4,337 |
| Core capital (leverage) ratio | 7.6347% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6413% | 2,497 |
| Memoranda: | ||
| Average total assets | $998,180,000 | 966 |
| Average earning assets | $937,983,000 | 956 |
| Average equity | $85,199,333 | 1,162 |
| Average total loans | $605,968,000 | 1,025 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 1,891 |
| Cost of funding earning assets | 0.4728% | 1,573 |
| Net interest margin | 3.4031% | 2,102 |
| Noninterest income to average assets | 0.6247% | 2,110 |
| Noninterest expense to average assets | 2.4332% | 2,387 |
| Loan and lease loss provision to assets | 0.1542% | 835 |
| Net operating income to assets | 1.0293% | 2,715 |
| Return on assets (ROA) | 1.0693% | 2,655 |
| Pretax return on assets | 1.2791% | 2,628 |
| Return on Equity (ROE) | 12.3700% | 1,883 |
| Retained earnings to average equity (ytd only) | 12.3700% | 1,060 |
| Net charge-offs to loans | -0.0146% | 3,848 |
| Credit loss provision to net charge-offs | -1,704.5455% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4739% | 2,978 |
| Assets per employee ($millions) | 6.6236% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,671 |
| Loan loss allowance to noncurrent loans | 67.6536% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 767 |
| Noncurrent loans to loans | 1.8457% | 615 |
| Net loans and leases to total assets | 56.7921% | 2,944 |
| Net loans and leases to deposits | 62.3351% | 3,289 |
| Net loans and leases to core deposits | 65.1052% | 3,308 |
| Total domestic deposits to total assets | 91.1077% | 362 |
| Equity capital to assets | 7.8022% | 4,593 |
| Core capital (leverage) ratio | 7.8049% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0008% | 2,663 |
| Memoranda: | ||
| Average total assets | $972,553,500 | 977 |
| Average earning assets | $912,823,000 | 966 |
| Average equity | $84,074,500 | 1,159 |
| Average total loans | $601,124,500 | 1,029 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,169 |
| Cost of funding earning assets | 0.7978% | 1,222 |
| Net interest margin | 3.7668% | 1,596 |
| Noninterest income to average assets | 0.6954% | 1,882 |
| Noninterest expense to average assets | 2.8271% | 1,878 |
| Loan and lease loss provision to assets | 0.5454% | 405 |
| Net operating income to assets | 0.6741% | 3,509 |
| Return on assets (ROA) | 0.7280% | 3,464 |
| Pretax return on assets | 0.8870% | 3,406 |
| Return on Equity (ROE) | 7.0603% | 3,188 |
| Retained earnings to average equity (ytd only) | 4.8964% | 2,317 |
| Net charge-offs to loans | 0.0520% | 2,049 |
| Credit loss provision to net charge-offs | 1,481.4815% | 566 |
| Earnings coverage of net charge-offs (x) | 37.1246% | 1,445 |
| Efficiency ratio | 63.8588% | 2,846 |
| Assets per employee ($millions) | 5.6098% | 2,731 |
| Cash dividends to net income (ytd only)* | 30.6487% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,939 |
| Loan loss allowance to noncurrent loans | 64.4309% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2492% | 671 |
| Noncurrent loans to loans | 1.8643% | 651 |
| Net loans and leases to total assets | 66.0810% | 2,087 |
| Net loans and leases to deposits | 74.2214% | 2,465 |
| Net loans and leases to core deposits | 78.6372% | 2,493 |
| Total domestic deposits to total assets | 89.0323% | 972 |
| Equity capital to assets | 9.6395% | 3,466 |
| Core capital (leverage) ratio | 8.6235% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3478% | 2,504 |
| Memoranda: | ||
| Average total assets | $806,776,800 | 1,050 |
| Average earning assets | $749,287,000 | 1,050 |
| Average equity | $83,183,800 | 1,117 |
| Average total loans | $570,994,200 | 1,025 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5685% | 1,401 |
| Cost of funding earning assets | 0.8895% | 1,103 |
| Net interest margin | 3.6790% | 2,013 |
| Noninterest income to average assets | 0.6914% | 1,826 |
| Noninterest expense to average assets | 2.8162% | 1,930 |
| Loan and lease loss provision to assets | 0.4838% | 633 |
| Net operating income to assets | 0.6519% | 3,622 |
| Return on assets (ROA) | 0.7248% | 3,475 |
| Pretax return on assets | 0.8912% | 3,401 |
| Return on Equity (ROE) | 6.9021% | 3,234 |
| Retained earnings to average equity (ytd only) | 3.9926% | 3,049 |
| Net charge-offs to loans | 0.0725% | 1,588 |
| Credit loss provision to net charge-offs | 928.3388% | 881 |
| Earnings coverage of net charge-offs (x) | 24.6580% | 1,751 |
| Efficiency ratio | 64.9352% | 2,604 |
| Assets per employee ($millions) | 5.5917% | 2,630 |
| Cash dividends to net income (ytd only)* | 42.1546% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 4,027 |
| Loan loss allowance to noncurrent loans | 199.7862% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 2,795 |
| Noncurrent loans to loans | 0.4577% | 2,676 |
| Net loans and leases to total assets | 72.4279% | 1,603 |
| Net loans and leases to deposits | 82.4182% | 2,059 |
| Net loans and leases to core deposits | 88.0804% | 2,136 |
| Total domestic deposits to total assets | 87.8785% | 1,274 |
| Equity capital to assets | 9.9489% | 3,274 |
| Core capital (leverage) ratio | 8.8853% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4102% | 2,456 |
| Memoranda: | ||
| Average total assets | $785,481,500 | 1,057 |
| Average earning assets | $728,015,000 | 1,051 |
| Average equity | $82,484,750 | 1,119 |
| Average total loans | $564,597,500 | 1,033 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7056% | 1,391 |
| Cost of funding earning assets | 0.9547% | 1,133 |
| Net interest margin | 3.7509% | 1,989 |
| Noninterest income to average assets | 0.6052% | 2,109 |
| Noninterest expense to average assets | 2.8002% | 2,097 |
| Loan and lease loss provision to assets | 0.5210% | 661 |
| Net operating income to assets | 0.6226% | 3,663 |
| Return on assets (ROA) | 0.6401% | 3,697 |
| Pretax return on assets | 0.7761% | 3,659 |
| Return on Equity (ROE) | 5.9807% | 3,516 |
| Retained earnings to average equity (ytd only) | 5.9807% | 2,092 |
| Net charge-offs to loans | 0.0091% | 2,618 |
| Credit loss provision to net charge-offs | 8,000.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 195.8800% | 465 |
| Efficiency ratio | 64.8600% | 2,682 |
| Assets per employee ($millions) | 5.6108% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8417% | 4,218 |
| Loan loss allowance to noncurrent loans | 116.0562% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 2,257 |
| Noncurrent loans to loans | 0.7253% | 2,064 |
| Net loans and leases to total assets | 71.4692% | 1,804 |
| Net loans and leases to deposits | 83.9411% | 2,004 |
| Net loans and leases to core deposits | 90.4037% | 2,040 |
| Total domestic deposits to total assets | 85.1420% | 2,335 |
| Equity capital to assets | 10.1276% | 3,088 |
| Core capital (leverage) ratio | 9.2423% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7221% | 2,301 |
| Memoranda: | ||
| Average total assets | $767,722,000 | 1,061 |
| Average earning assets | $710,390,667 | 1,059 |
| Average equity | $82,164,000 | 1,112 |
| Average total loans | $548,429,333 | 1,041 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 1,034 |
| Cost of funding earning assets | 1.0327% | 1,288 |
| Net interest margin | 3.9321% | 1,571 |
| Noninterest income to average assets | 0.5676% | 2,189 |
| Noninterest expense to average assets | 2.7969% | 2,439 |
| Loan and lease loss provision to assets | 0.7822% | 313 |
| Net operating income to assets | 0.4995% | 3,898 |
| Return on assets (ROA) | 0.5356% | 3,849 |
| Pretax return on assets | 0.6589% | 3,796 |
| Return on Equity (ROE) | 4.8574% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.8574% | 2,341 |
| Net charge-offs to loans | -0.0092% | 4,044 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7979% | 3,402 |
| Assets per employee ($millions) | 4.9678% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8442% | 4,290 |
| Loan loss allowance to noncurrent loans | 89.4591% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 1,954 |
| Noncurrent loans to loans | 0.9437% | 1,746 |
| Net loans and leases to total assets | 71.6422% | 1,973 |
| Net loans and leases to deposits | 82.8216% | 2,349 |
| Net loans and leases to core deposits | 89.8513% | 2,360 |
| Total domestic deposits to total assets | 86.5018% | 1,781 |
| Equity capital to assets | 11.1244% | 2,757 |
| Core capital (leverage) ratio | 9.6075% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8160% | 2,787 |
| Memoranda: | ||
| Average total assets | $736,385,000 | 1,063 |
| Average earning assets | $679,023,500 | 1,070 |
| Average equity | $81,196,500 | 1,121 |
| Average total loans | $523,386,500 | 1,054 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 1,481 |
| Cost of funding earning assets | 1.2172% | 989 |
| Net interest margin | 3.7833% | 2,557 |
| Noninterest income to average assets | 0.5583% | 2,431 |
| Noninterest expense to average assets | 2.8652% | 2,396 |
| Loan and lease loss provision to assets | 0.1423% | 1,501 |
| Net operating income to assets | 0.8438% | 3,407 |
| Return on assets (ROA) | 0.8575% | 3,453 |
| Pretax return on assets | 1.0323% | 3,379 |
| Return on Equity (ROE) | 8.2405% | 3,063 |
| Retained earnings to average equity (ytd only) | 8.2405% | 903 |
| Net charge-offs to loans | 0.0103% | 3,320 |
| Credit loss provision to net charge-offs | 2,029.4118% | 182 |
| Earnings coverage of net charge-offs (x) | 165.1373% | 456 |
| Efficiency ratio | 66.8057% | 2,644 |
| Assets per employee ($millions) | 4.7880% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5983% | 4,742 |
| Loan loss allowance to noncurrent loans | 78.8620% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,295 |
| Noncurrent loans to loans | 0.7587% | 1,994 |
| Net loans and leases to total assets | 69.4677% | 2,484 |
| Net loans and leases to deposits | 80.1436% | 2,763 |
| Net loans and leases to core deposits | 87.4908% | 2,657 |
| Total domestic deposits to total assets | 86.6791% | 1,767 |
| Equity capital to assets | 10.9273% | 3,074 |
| Core capital (leverage) ratio | 9.4483% | 4,111 |
| Tier 1 risk-based capital ratio | 12.6524% | 3,972 |
| Total risk-based capital ratio | 13.2158% | 4,259 |
| Memoranda: | ||
| Average total assets | $727,198,000 | 1,039 |
| Average earning assets | $666,026,600 | 1,037 |
| Average equity | $75,675,400 | 1,139 |
| Average total loans | $497,072,600 | 1,082 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 1,512 |
| Cost of funding earning assets | 1.2570% | 892 |
| Net interest margin | 3.7514% | 2,744 |
| Noninterest income to average assets | 0.5334% | 2,544 |
| Noninterest expense to average assets | 2.7786% | 2,628 |
| Loan and lease loss provision to assets | 0.1111% | 1,758 |
| Net operating income to assets | 0.8918% | 3,375 |
| Return on assets (ROA) | 0.9032% | 3,408 |
| Pretax return on assets | 1.0871% | 3,333 |
| Return on Equity (ROE) | 8.7901% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.7901% | 1,103 |
| Net charge-offs to loans | -0.0076% | 4,309 |
| Credit loss provision to net charge-offs | -2,160.7143% | 4,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6732% | 2,774 |
| Assets per employee ($millions) | 5.1499% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 4,914 |
| Loan loss allowance to noncurrent loans | 54.4469% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 1,996 |
| Noncurrent loans to loans | 0.9891% | 1,619 |
| Net loans and leases to total assets | 68.0136% | 2,788 |
| Net loans and leases to deposits | 78.5647% | 3,047 |
| Net loans and leases to core deposits | 86.0518% | 2,903 |
| Total domestic deposits to total assets | 86.5702% | 1,741 |
| Equity capital to assets | 10.7019% | 3,377 |
| Core capital (leverage) ratio | 9.3296% | 4,346 |
| Tier 1 risk-based capital ratio | 12.4157% | 4,193 |
| Total risk-based capital ratio | 12.9170% | 4,492 |
| Memoranda: | ||
| Average total assets | $725,855,500 | 1,043 |
| Average earning assets | $663,598,500 | 1,045 |
| Average equity | $74,581,750 | 1,152 |
| Average total loans | $493,350,500 | 1,094 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 1,496 |
| Cost of funding earning assets | 1.2757% | 799 |
| Net interest margin | 3.7205% | 2,870 |
| Noninterest income to average assets | 0.5023% | 2,661 |
| Noninterest expense to average assets | 2.7508% | 2,752 |
| Loan and lease loss provision to assets | 0.1011% | 1,853 |
| Net operating income to assets | 0.8705% | 3,399 |
| Return on assets (ROA) | 0.8758% | 3,445 |
| Pretax return on assets | 1.0491% | 3,391 |
| Return on Equity (ROE) | 8.6454% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.6454% | 1,148 |
| Net charge-offs to loans | -0.0118% | 4,374 |
| Credit loss provision to net charge-offs | -1,258.6207% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1027% | 2,795 |
| Assets per employee ($millions) | 5.1065% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4917% | 5,031 |
| Loan loss allowance to noncurrent loans | 45.3346% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,858 |
| Noncurrent loans to loans | 1.0845% | 1,509 |
| Net loans and leases to total assets | 68.5405% | 2,749 |
| Net loans and leases to deposits | 79.1274% | 3,042 |
| Net loans and leases to core deposits | 87.1949% | 2,874 |
| Total domestic deposits to total assets | 86.6204% | 1,767 |
| Equity capital to assets | 10.4846% | 3,529 |
| Core capital (leverage) ratio | 9.1756% | 4,491 |
| Tier 1 risk-based capital ratio | 11.9673% | 4,438 |
| Total risk-based capital ratio | 12.4217% | 4,736 |
| Memoranda: | ||
| Average total assets | $722,330,000 | 1,050 |
| Average earning assets | $658,629,000 | 1,052 |
| Average equity | $73,171,670 | 1,170 |
| Average total loans | $489,938,670 | 1,098 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 1,438 |
| Cost of funding earning assets | 1.3030% | 657 |
| Net interest margin | 3.6577% | 3,050 |
| Noninterest income to average assets | 0.4699% | 2,733 |
| Noninterest expense to average assets | 2.7267% | 2,824 |
| Loan and lease loss provision to assets | 0.1030% | 1,710 |
| Net operating income to assets | 0.8143% | 3,569 |
| Return on assets (ROA) | 0.8252% | 3,571 |
| Pretax return on assets | 0.9683% | 3,556 |
| Return on Equity (ROE) | 8.2936% | 3,118 |
| Retained earnings to average equity (ytd only) | 8.2936% | 1,551 |
| Net charge-offs to loans | -0.0066% | 4,095 |
| Credit loss provision to net charge-offs | -2,312.5000% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5346% | 2,708 |
| Assets per employee ($millions) | 5.2542% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4654% | 5,120 |
| Loan loss allowance to noncurrent loans | 60.8731% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 2,569 |
| Noncurrent loans to loans | 0.7645% | 2,117 |
| Net loans and leases to total assets | 66.5622% | 2,968 |
| Net loans and leases to deposits | 76.4698% | 3,218 |
| Net loans and leases to core deposits | 84.1487% | 3,015 |
| Total domestic deposits to total assets | 87.0439% | 1,792 |
| Equity capital to assets | 10.0472% | 3,779 |
| Core capital (leverage) ratio | 8.7534% | 4,827 |
| Tier 1 risk-based capital ratio | 11.8526% | 4,539 |
| Total risk-based capital ratio | 12.2793% | 4,864 |
| Memoranda: | ||
| Average total assets | $718,380,000 | 1,054 |
| Average earning assets | $651,112,000 | 1,069 |
| Average equity | $71,476,500 | 1,189 |
| Average total loans | $483,420,000 | 1,117 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 3,130 |
| Cost of funding earning assets | 0.8204% | 1,439 |
| Net interest margin | 3.4753% | 3,787 |
| Noninterest income to average assets | 0.6033% | 2,275 |
| Noninterest expense to average assets | 2.8503% | 2,517 |
| Loan and lease loss provision to assets | 0.0889% | 2,364 |
| Net operating income to assets | 0.6935% | 4,152 |
| Return on assets (ROA) | 0.6976% | 4,145 |
| Pretax return on assets | 0.8187% | 4,117 |
| Return on Equity (ROE) | 7.6506% | 3,594 |
| Retained earnings to average equity (ytd only) | -12.1747% | 5,339 |
| Net charge-offs to loans | 0.0087% | 3,382 |
| Credit loss provision to net charge-offs | 1,640.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 166.4667% | 520 |
| Efficiency ratio | 75.5070% | 1,428 |
| Assets per employee ($millions) | 5.2328% | 2,223 |
| Cash dividends to net income (ytd only)* | 259.1345% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4345% | 5,186 |
| Loan loss allowance to noncurrent loans | 98.4841% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 3,369 |
| Noncurrent loans to loans | 0.4412% | 2,963 |
| Net loans and leases to total assets | 67.4326% | 2,949 |
| Net loans and leases to deposits | 78.1606% | 3,145 |
| Net loans and leases to core deposits | 84.6008% | 3,025 |
| Total domestic deposits to total assets | 86.2744% | 2,103 |
| Equity capital to assets | 9.8489% | 3,816 |
| Core capital (leverage) ratio | 8.9372% | 4,704 |
| Tier 1 risk-based capital ratio | 11.8170% | 4,557 |
| Total risk-based capital ratio | 12.2133% | 4,883 |
| Memoranda: | ||
| Average total assets | $553,165,400 | 1,284 |
| Average earning assets | $501,370,400 | 1,310 |
| Average equity | $50,440,600 | 1,512 |
| Average total loans | $343,586,800 | 1,425 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4162% | 2,573 |
| Cost of funding earning assets | 0.7862% | 1,401 |
| Net interest margin | 3.6300% | 3,269 |
| Noninterest income to average assets | 0.6210% | 2,200 |
| Noninterest expense to average assets | 2.9528% | 2,156 |
| Loan and lease loss provision to assets | 0.0782% | 2,396 |
| Net operating income to assets | 0.7308% | 4,134 |
| Return on assets (ROA) | 0.7365% | 4,134 |
| Pretax return on assets | 0.8937% | 4,040 |
| Return on Equity (ROE) | 8.3052% | 3,415 |
| Retained earnings to average equity (ytd only) | 8.3052% | 1,512 |
| Net charge-offs to loans | 0.0120% | 2,983 |
| Credit loss provision to net charge-offs | 1,078.5714% | 389 |
| Earnings coverage of net charge-offs (x) | 133.0801% | 609 |
| Efficiency ratio | 75.3702% | 1,422 |
| Assets per employee ($millions) | 4.5892% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5769% | 5,076 |
| Loan loss allowance to noncurrent loans | 84.0818% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,968 |
| Noncurrent loans to loans | 0.6861% | 2,365 |
| Net loans and leases to total assets | 62.2949% | 3,624 |
| Net loans and leases to deposits | 68.6095% | 4,015 |
| Net loans and leases to core deposits | 75.4782% | 3,841 |
| Total domestic deposits to total assets | 90.7963% | 268 |
| Equity capital to assets | 8.6859% | 4,807 |
| Core capital (leverage) ratio | 9.3373% | 4,357 |
| Tier 1 risk-based capital ratio | 12.6298% | 4,137 |
| Total risk-based capital ratio | 13.1090% | 4,463 |
| Memoranda: | ||
| Average total assets | $514,850,000 | 1,371 |
| Average earning assets | $467,573,500 | 1,396 |
| Average equity | $45,657,000 | 1,646 |
| Average total loans | $309,873,250 | 1,553 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 2,574 |
| Cost of funding earning assets | 0.7199% | 1,525 |
| Net interest margin | 3.6337% | 3,188 |
| Noninterest income to average assets | 0.5956% | 2,344 |
| Noninterest expense to average assets | 2.9105% | 2,326 |
| Loan and lease loss provision to assets | 0.0781% | 2,344 |
| Net operating income to assets | 0.7467% | 4,045 |
| Return on assets (ROA) | 0.7538% | 4,018 |
| Pretax return on assets | 0.9100% | 3,933 |
| Return on Equity (ROE) | 8.4411% | 3,294 |
| Retained earnings to average equity (ytd only) | 8.4411% | 1,432 |
| Net charge-offs to loans | 0.0105% | 2,771 |
| Credit loss provision to net charge-offs | 1,250.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 156.7500% | 501 |
| Efficiency ratio | 74.8193% | 1,589 |
| Assets per employee ($millions) | 4.3388% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 5,129 |
| Loan loss allowance to noncurrent loans | 77.1870% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 2,931 |
| Noncurrent loans to loans | 0.7559% | 2,231 |
| Net loans and leases to total assets | 58.9100% | 3,905 |
| Net loans and leases to deposits | 64.8669% | 4,224 |
| Net loans and leases to core deposits | 71.1115% | 4,077 |
| Total domestic deposits to total assets | 90.8167% | 300 |
| Equity capital to assets | 8.7819% | 4,736 |
| Core capital (leverage) ratio | 9.6960% | 3,893 |
| Tier 1 risk-based capital ratio | 12.6628% | 4,088 |
| Total risk-based capital ratio | 13.1286% | 4,453 |
| Memoranda: | ||
| Average total assets | $512,076,670 | 1,382 |
| Average earning assets | $464,260,330 | 1,409 |
| Average equity | $45,728,670 | 1,644 |
| Average total loans | $303,898,000 | 1,580 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,408 |
| Cost of funding earning assets | 0.7068% | 1,400 |
| Net interest margin | 3.6269% | 3,087 |
| Noninterest income to average assets | 0.5727% | 2,407 |
| Noninterest expense to average assets | 2.9138% | 2,311 |
| Loan and lease loss provision to assets | 0.0788% | 2,200 |
| Net operating income to assets | 0.6909% | 4,135 |
| Return on assets (ROA) | 0.6940% | 4,125 |
| Pretax return on assets | 0.8744% | 3,932 |
| Return on Equity (ROE) | 7.7058% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.7058% | 1,956 |
| Net charge-offs to loans | 0.0053% | 2,547 |
| Credit loss provision to net charge-offs | 2,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 301.2500% | 228 |
| Efficiency ratio | 75.4282% | 1,685 |
| Assets per employee ($millions) | 4.3506% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,252 |
| Loan loss allowance to noncurrent loans | 82.3162% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,200 |
| Noncurrent loans to loans | 0.6805% | 2,513 |
| Net loans and leases to total assets | 59.2335% | 3,830 |
| Net loans and leases to deposits | 65.2384% | 4,138 |
| Net loans and leases to core deposits | 72.1217% | 3,944 |
| Total domestic deposits to total assets | 90.7954% | 384 |
| Equity capital to assets | 8.7722% | 4,771 |
| Core capital (leverage) ratio | 9.1234% | 4,541 |
| Tier 1 risk-based capital ratio | 12.5826% | 4,187 |
| Total risk-based capital ratio | 13.0328% | 4,574 |
| Memoranda: | ||
| Average total assets | $507,789,000 | 1,406 |
| Average earning assets | $460,670,500 | 1,430 |
| Average equity | $45,731,500 | 1,652 |
| Average total loans | $301,589,000 | 1,594 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 2,808 |
| Cost of funding earning assets | 0.5807% | 1,737 |
| Net interest margin | 3.5886% | 3,212 |
| Noninterest income to average assets | 0.5854% | 2,518 |
| Noninterest expense to average assets | 3.0220% | 2,106 |
| Loan and lease loss provision to assets | 0.0610% | 3,015 |
| Net operating income to assets | 0.6726% | 3,722 |
| Return on assets (ROA) | 0.8428% | 3,008 |
| Pretax return on assets | 0.9339% | 3,794 |
| Return on Equity (ROE) | 8.8544% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.8544% | 533 |
| Net charge-offs to loans | 0.0671% | 2,502 |
| Credit loss provision to net charge-offs | 166.4835% | 1,619 |
| Earnings coverage of net charge-offs (x) | 22.0055% | 1,871 |
| Efficiency ratio | 78.9499% | 1,228 |
| Assets per employee ($millions) | 4.2202% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 5,333 |
| Loan loss allowance to noncurrent loans | 209.7276% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,367 |
| Noncurrent loans to loans | 0.2593% | 3,860 |
| Net loans and leases to total assets | 58.8922% | 3,934 |
| Net loans and leases to deposits | 65.2612% | 4,238 |
| Net loans and leases to core deposits | 72.6728% | 3,995 |
| Total domestic deposits to total assets | 90.2407% | 485 |
| Equity capital to assets | 9.2450% | 4,481 |
| Core capital (leverage) ratio | 9.3531% | 4,225 |
| Tier 1 risk-based capital ratio | 12.8787% | 3,989 |
| Total risk-based capital ratio | 13.3218% | 4,375 |
| Memoranda: | ||
| Average total assets | $497,063,000 | 1,412 |
| Average earning assets | $449,091,000 | 1,438 |
| Average equity | $47,309,800 | 1,589 |
| Average total loans | $271,194,600 | 1,704 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 2,863 |
| Cost of funding earning assets | 0.5723% | 1,725 |
| Net interest margin | 3.5604% | 3,290 |
| Noninterest income to average assets | 0.6032% | 2,467 |
| Noninterest expense to average assets | 2.9693% | 2,193 |
| Loan and lease loss provision to assets | 0.0613% | 2,847 |
| Net operating income to assets | 0.6428% | 4,221 |
| Return on assets (ROA) | 0.8173% | 3,493 |
| Pretax return on assets | 1.0037% | 3,672 |
| Return on Equity (ROE) | 8.5249% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.5249% | 1,005 |
| Net charge-offs to loans | 0.0826% | 1,974 |
| Credit loss provision to net charge-offs | 139.0244% | 1,787 |
| Earnings coverage of net charge-offs (x) | 19.2623% | 2,010 |
| Efficiency ratio | 77.7535% | 1,361 |
| Assets per employee ($millions) | 4.3410% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5527% | 5,404 |
| Loan loss allowance to noncurrent loans | 173.7194% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 4,389 |
| Noncurrent loans to loans | 0.3181% | 3,809 |
| Net loans and leases to total assets | 55.7451% | 4,251 |
| Net loans and leases to deposits | 61.7989% | 4,523 |
| Net loans and leases to core deposits | 68.8536% | 4,311 |
| Total domestic deposits to total assets | 90.2041% | 407 |
| Equity capital to assets | 9.2431% | 4,693 |
| Core capital (leverage) ratio | 8.8786% | 4,893 |
| Tier 1 risk-based capital ratio | 12.5390% | 4,295 |
| Total risk-based capital ratio | 12.9656% | 4,698 |
| Memoranda: | ||
| Average total assets | $495,777,250 | 1,423 |
| Average earning assets | $447,764,250 | 1,454 |
| Average equity | $47,530,000 | 1,597 |
| Average total loans | $264,649,000 | 1,748 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0556% | 2,992 |
| Cost of funding earning assets | 0.5401% | 1,842 |
| Net interest margin | 3.5155% | 3,339 |
| Noninterest income to average assets | 0.5949% | 2,487 |
| Noninterest expense to average assets | 2.9389% | 2,300 |
| Loan and lease loss provision to assets | 0.0620% | 2,725 |
| Net operating income to assets | 0.6232% | 4,195 |
| Return on assets (ROA) | 0.8597% | 3,167 |
| Pretax return on assets | 1.0641% | 3,323 |
| Return on Equity (ROE) | 8.8594% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.8594% | 881 |
| Net charge-offs to loans | 0.0688% | 1,944 |
| Credit loss provision to net charge-offs | 171.9101% | 1,395 |
| Earnings coverage of net charge-offs (x) | 23.1124% | 1,686 |
| Efficiency ratio | 77.8912% | 1,475 |
| Assets per employee ($millions) | 4.2825% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 5,408 |
| Loan loss allowance to noncurrent loans | 168.1034% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 4,445 |
| Noncurrent loans to loans | 0.3463% | 3,796 |
| Net loans and leases to total assets | 52.2754% | 4,546 |
| Net loans and leases to deposits | 58.2517% | 4,739 |
| Net loans and leases to core deposits | 64.9366% | 4,541 |
| Total domestic deposits to total assets | 89.7406% | 625 |
| Equity capital to assets | 9.8725% | 4,057 |
| Core capital (leverage) ratio | 10.0477% | 3,482 |
| Tier 1 risk-based capital ratio | 14.4656% | 3,189 |
| Total risk-based capital ratio | 14.9222% | 3,526 |
| Memoranda: | ||
| Average total assets | $493,184,330 | 1,435 |
| Average earning assets | $445,854,330 | 1,463 |
| Average equity | $47,858,670 | 1,590 |
| Average total loans | $258,776,000 | 1,772 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 3,428 |
| Cost of funding earning assets | 0.5133% | 1,978 |
| Net interest margin | 3.3786% | 3,721 |
| Noninterest income to average assets | 0.6178% | 2,336 |
| Noninterest expense to average assets | 2.9701% | 2,243 |
| Loan and lease loss provision to assets | 0.0619% | 2,571 |
| Net operating income to assets | 0.5379% | 4,432 |
| Return on assets (ROA) | 0.8867% | 2,876 |
| Pretax return on assets | 1.0945% | 3,010 |
| Return on Equity (ROE) | 9.2211% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.2211% | 1,010 |
| Net charge-offs to loans | 0.0976% | 1,388 |
| Credit loss provision to net charge-offs | 120.9677% | 1,395 |
| Earnings coverage of net charge-offs (x) | 14.1935% | 1,738 |
| Efficiency ratio | 80.3615% | 1,335 |
| Assets per employee ($millions) | 4.4801% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 5,498 |
| Loan loss allowance to noncurrent loans | 206.1475% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,678 |
| Noncurrent loans to loans | 0.2850% | 4,098 |
| Net loans and leases to total assets | 50.8804% | 4,598 |
| Net loans and leases to deposits | 56.4215% | 4,792 |
| Net loans and leases to core deposits | 62.8706% | 4,599 |
| Total domestic deposits to total assets | 90.1790% | 584 |
| Equity capital to assets | 9.4569% | 4,329 |
| Core capital (leverage) ratio | 9.8622% | 3,676 |
| Tier 1 risk-based capital ratio | 14.7032% | 3,113 |
| Total risk-based capital ratio | 15.1618% | 3,442 |
| Memoranda: | ||
| Average total assets | $484,967,500 | 1,458 |
| Average earning assets | $441,839,000 | 1,480 |
| Average equity | $46,632,000 | 1,623 |
| Average total loans | $254,181,500 | 1,811 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,430 |
| Cost of funding earning assets | 0.4492% | 2,542 |
| Net interest margin | 3.4880% | 3,484 |
| Noninterest income to average assets | 0.6411% | 2,456 |
| Noninterest expense to average assets | 2.8560% | 2,827 |
| Loan and lease loss provision to assets | 0.0317% | 3,722 |
| Net operating income to assets | 0.7937% | 3,339 |
| Return on assets (ROA) | 0.9101% | 2,884 |
| Pretax return on assets | 1.0907% | 3,140 |
| Return on Equity (ROE) | 8.8345% | 2,498 |
| Retained earnings to average equity (ytd only) | 7.7823% | 927 |
| Net charge-offs to loans | 0.1268% | 1,977 |
| Credit loss provision to net charge-offs | 48.3444% | 3,400 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 2,244 |
| Efficiency ratio | 74.4126% | 2,239 |
| Assets per employee ($millions) | 4.2951% | 3,442 |
| Cash dividends to net income (ytd only)* | 11.9104% | 3,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 5,545 |
| Loan loss allowance to noncurrent loans | 109.8385% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 4,111 |
| Noncurrent loans to loans | 0.5414% | 3,224 |
| Net loans and leases to total assets | 53.4118% | 4,488 |
| Net loans and leases to deposits | 61.2319% | 4,592 |
| Net loans and leases to core deposits | 68.4418% | 4,362 |
| Total domestic deposits to total assets | 87.2288% | 2,009 |
| Equity capital to assets | 9.7855% | 3,960 |
| Core capital (leverage) ratio | 9.9450% | 3,558 |
| Tier 1 risk-based capital ratio | 14.6688% | 3,116 |
| Total risk-based capital ratio | 15.1327% | 3,448 |
| Memoranda: | ||
| Average total assets | $461,274,000 | 1,478 |
| Average earning assets | $422,793,200 | 1,493 |
| Average equity | $47,518,200 | 1,589 |
| Average total loans | $238,148,800 | 1,854 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9129% | 3,542 |
| Cost of funding earning assets | 0.4289% | 2,745 |
| Net interest margin | 3.4840% | 3,531 |
| Noninterest income to average assets | 0.6226% | 2,561 |
| Noninterest expense to average assets | 2.8366% | 2,883 |
| Loan and lease loss provision to assets | 0.0261% | 3,719 |
| Net operating income to assets | 0.7706% | 3,512 |
| Return on assets (ROA) | 0.8800% | 3,130 |
| Pretax return on assets | 1.0944% | 3,254 |
| Return on Equity (ROE) | 8.4345% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.7393% | 1,291 |
| Net charge-offs to loans | 0.2209% | 1,063 |
| Credit loss provision to net charge-offs | 23.1362% | 3,275 |
| Earnings coverage of net charge-offs (x) | 8.7173% | 2,739 |
| Efficiency ratio | 74.2482% | 2,238 |
| Assets per employee ($millions) | 4.4422% | 3,174 |
| Cash dividends to net income (ytd only)* | 8.2428% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 5,663 |
| Loan loss allowance to noncurrent loans | 134.6269% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 4,590 |
| Noncurrent loans to loans | 0.4101% | 3,807 |
| Net loans and leases to total assets | 51.2707% | 4,709 |
| Net loans and leases to deposits | 57.8054% | 4,888 |
| Net loans and leases to core deposits | 64.4951% | 4,700 |
| Total domestic deposits to total assets | 88.6954% | 1,052 |
| Equity capital to assets | 10.6004% | 3,453 |
| Core capital (leverage) ratio | 9.6400% | 4,010 |
| Tier 1 risk-based capital ratio | 14.7392% | 3,169 |
| Total risk-based capital ratio | 15.1690% | 3,525 |
| Memoranda: | ||
| Average total assets | $459,551,500 | 1,486 |
| Average earning assets | $421,808,250 | 1,496 |
| Average equity | $47,944,750 | 1,586 |
| Average total loans | $234,798,250 | 1,874 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 3,585 |
| Cost of funding earning assets | 0.4277% | 2,753 |
| Net interest margin | 3.4793% | 3,568 |
| Noninterest income to average assets | 0.6044% | 2,599 |
| Noninterest expense to average assets | 2.8219% | 2,955 |
| Loan and lease loss provision to assets | 0.0264% | 3,603 |
| Net operating income to assets | 0.7766% | 3,418 |
| Return on assets (ROA) | 0.9192% | 2,908 |
| Pretax return on assets | 1.1244% | 3,109 |
| Return on Equity (ROE) | 8.8603% | 2,554 |
| Retained earnings to average equity (ytd only) | 7.7995% | 1,245 |
| Net charge-offs to loans | 0.0173% | 3,163 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 110.9500% | 524 |
| Efficiency ratio | 74.2844% | 2,319 |
| Assets per employee ($millions) | 4.3501% | 3,297 |
| Cash dividends to net income (ytd only)* | 11.9732% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 5,489 |
| Loan loss allowance to noncurrent loans | 195.1557% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 4,737 |
| Noncurrent loans to loans | 0.3661% | 4,050 |
| Net loans and leases to total assets | 50.9926% | 4,767 |
| Net loans and leases to deposits | 57.5231% | 4,928 |
| Net loans and leases to core deposits | 64.4125% | 4,716 |
| Total domestic deposits to total assets | 88.6472% | 1,087 |
| Equity capital to assets | 10.6324% | 3,492 |
| Core capital (leverage) ratio | 9.8702% | 3,722 |
| Tier 1 risk-based capital ratio | 14.8355% | 3,147 |
| Total risk-based capital ratio | 15.3878% | 3,442 |
| Memoranda: | ||
| Average total assets | $454,298,000 | 1,509 |
| Average earning assets | $417,096,670 | 1,511 |
| Average equity | $47,131,330 | 1,607 |
| Average total loans | $231,381,330 | 1,899 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,537 |
| Cost of funding earning assets | 0.4301% | 2,768 |
| Net interest margin | 3.4842% | 3,540 |
| Noninterest income to average assets | 0.5580% | 2,760 |
| Noninterest expense to average assets | 2.8663% | 2,828 |
| Loan and lease loss provision to assets | 0.0266% | 3,319 |
| Net operating income to assets | 0.7338% | 3,567 |
| Return on assets (ROA) | 0.8685% | 3,021 |
| Pretax return on assets | 1.0468% | 3,290 |
| Return on Equity (ROE) | 8.4792% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.4792% | 1,270 |
| Net charge-offs to loans | 0.0315% | 2,322 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 57.0556% | 809 |
| Efficiency ratio | 75.8807% | 2,186 |
| Assets per employee ($millions) | 4.5485% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 5,555 |
| Loan loss allowance to noncurrent loans | 195.8824% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,826 |
| Noncurrent loans to loans | 0.3690% | 4,112 |
| Net loans and leases to total assets | 49.7764% | 4,827 |
| Net loans and leases to deposits | 55.7408% | 5,005 |
| Net loans and leases to core deposits | 62.5300% | 4,781 |
| Total domestic deposits to total assets | 89.2999% | 950 |
| Equity capital to assets | 10.2411% | 3,806 |
| Core capital (leverage) ratio | 9.5853% | 4,053 |
| Tier 1 risk-based capital ratio | 15.1830% | 3,074 |
| Total risk-based capital ratio | 15.7499% | 3,333 |
| Memoranda: | ||
| Average total assets | $450,892,000 | 1,522 |
| Average earning assets | $416,618,000 | 1,519 |
| Average equity | $46,183,500 | 1,634 |
| Average total loans | $228,660,000 | 1,926 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,637 |
| Cost of funding earning assets | 0.4531% | 2,600 |
| Net interest margin | 3.4679% | 3,646 |
| Noninterest income to average assets | 0.5708% | 2,895 |
| Noninterest expense to average assets | 2.6415% | 3,779 |
| Loan and lease loss provision to assets | 0.0268% | 3,851 |
| Net operating income to assets | 0.9138% | 2,795 |
| Return on assets (ROA) | 0.9683% | 2,605 |
| Pretax return on assets | 1.1628% | 2,801 |
| Return on Equity (ROE) | 9.9274% | 2,037 |
| Retained earnings to average equity (ytd only) | 9.9274% | 468 |
| Net charge-offs to loans | 0.0064% | 4,228 |
| Credit loss provision to net charge-offs | 857.1429% | 396 |
| Earnings coverage of net charge-offs (x) | 359.5000% | 188 |
| Efficiency ratio | 70.1501% | 3,197 |
| Assets per employee ($millions) | 4.2522% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7283% | 5,589 |
| Loan loss allowance to noncurrent loans | 465.3521% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 5,309 |
| Noncurrent loans to loans | 0.1565% | 4,868 |
| Net loans and leases to total assets | 50.9173% | 4,786 |
| Net loans and leases to deposits | 57.6975% | 4,933 |
| Net loans and leases to core deposits | 66.5387% | 4,546 |
| Total domestic deposits to total assets | 88.2487% | 1,509 |
| Equity capital to assets | 10.2742% | 3,654 |
| Core capital (leverage) ratio | 9.4703% | 4,222 |
| Tier 1 risk-based capital ratio | 15.1276% | 3,116 |
| Total risk-based capital ratio | 15.6991% | 3,379 |
| Memoranda: | ||
| Average total assets | $447,784,000 | 1,497 |
| Average earning assets | $412,498,000 | 1,494 |
| Average equity | $43,677,200 | 1,685 |
| Average total loans | $219,692,600 | 1,925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,871 |
| Cost of funding earning assets | 0.4532% | 2,652 |
| Net interest margin | 3.4131% | 3,899 |
| Noninterest income to average assets | 0.5554% | 3,020 |
| Noninterest expense to average assets | 2.6368% | 3,755 |
| Loan and lease loss provision to assets | 0.0267% | 3,730 |
| Net operating income to assets | 0.8590% | 3,128 |
| Return on assets (ROA) | 0.9083% | 3,016 |
| Pretax return on assets | 1.0968% | 3,239 |
| Return on Equity (ROE) | 9.4360% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.4360% | 751 |
| Net charge-offs to loans | 0.0073% | 3,911 |
| Credit loss provision to net charge-offs | 750.0000% | 458 |
| Earnings coverage of net charge-offs (x) | 298.7425% | 241 |
| Efficiency ratio | 71.2464% | 3,006 |
| Assets per employee ($millions) | 4.6286% | 2,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7228% | 5,681 |
| Loan loss allowance to noncurrent loans | 481.8991% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 5,470 |
| Noncurrent loans to loans | 0.1500% | 5,037 |
| Net loans and leases to total assets | 47.7151% | 5,104 |
| Net loans and leases to deposits | 52.9654% | 5,315 |
| Net loans and leases to core deposits | 60.4778% | 5,032 |
| Total domestic deposits to total assets | 90.0874% | 540 |
| Equity capital to assets | 9.5603% | 4,679 |
| Core capital (leverage) ratio | 9.1314% | 4,836 |
| Tier 1 risk-based capital ratio | 14.6401% | 3,475 |
| Total risk-based capital ratio | 15.1976% | 3,816 |
| Memoranda: | ||
| Average total assets | $449,173,750 | 1,503 |
| Average earning assets | $413,966,750 | 1,501 |
| Average equity | $43,237,750 | 1,710 |
| Average total loans | $217,910,500 | 1,943 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 3,813 |
| Cost of funding earning assets | 0.4585% | 2,626 |
| Net interest margin | 3.4070% | 3,891 |
| Noninterest income to average assets | 0.5653% | 2,942 |
| Noninterest expense to average assets | 2.6580% | 3,727 |
| Loan and lease loss provision to assets | 0.0271% | 3,594 |
| Net operating income to assets | 0.8333% | 3,200 |
| Return on assets (ROA) | 0.9008% | 2,993 |
| Pretax return on assets | 1.0917% | 3,209 |
| Return on Equity (ROE) | 9.3553% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.3553% | 817 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9243% | 3,009 |
| Assets per employee ($millions) | 4.5930% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 5,744 |
| Loan loss allowance to noncurrent loans | 703.9474% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 5,655 |
| Noncurrent loans to loans | 0.1043% | 5,330 |
| Net loans and leases to total assets | 48.2107% | 5,084 |
| Net loans and leases to deposits | 53.3241% | 5,296 |
| Net loans and leases to core deposits | 61.6167% | 4,975 |
| Total domestic deposits to total assets | 90.4107% | 492 |
| Equity capital to assets | 9.3965% | 4,783 |
| Core capital (leverage) ratio | 9.2067% | 4,681 |
| Tier 1 risk-based capital ratio | 14.8234% | 3,461 |
| Total risk-based capital ratio | 15.3985% | 3,773 |
| Memoranda: | ||
| Average total assets | $442,959,000 | 1,534 |
| Average earning assets | $406,989,000 | 1,528 |
| Average equity | $42,649,670 | 1,732 |
| Average total loans | $215,652,330 | 1,968 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 3,950 |
| Cost of funding earning assets | 0.4657% | 2,605 |
| Net interest margin | 3.3492% | 4,025 |
| Noninterest income to average assets | 0.5371% | 3,042 |
| Noninterest expense to average assets | 2.6965% | 3,605 |
| Loan and lease loss provision to assets | 0.0273% | 3,338 |
| Net operating income to assets | 0.7075% | 3,757 |
| Return on assets (ROA) | 0.8029% | 3,371 |
| Pretax return on assets | 1.0096% | 3,458 |
| Return on Equity (ROE) | 8.2378% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.2378% | 1,477 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6096% | 2,716 |
| Assets per employee ($millions) | 4.5598% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 5,829 |
| Loan loss allowance to noncurrent loans | 444.2254% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 5,627 |
| Noncurrent loans to loans | 0.1670% | 5,172 |
| Net loans and leases to total assets | 46.7427% | 5,138 |
| Net loans and leases to deposits | 52.0100% | 5,332 |
| Net loans and leases to core deposits | 60.0586% | 4,991 |
| Total domestic deposits to total assets | 89.8726% | 800 |
| Equity capital to assets | 9.6514% | 4,576 |
| Core capital (leverage) ratio | 8.8914% | 5,084 |
| Tier 1 risk-based capital ratio | 14.7904% | 3,548 |
| Total risk-based capital ratio | 15.3697% | 3,863 |
| Memoranda: | ||
| Average total assets | $439,381,500 | 1,552 |
| Average earning assets | $403,675,500 | 1,544 |
| Average equity | $42,827,000 | 1,735 |
| Average total loans | $214,174,500 | 1,985 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,923 |
| Cost of funding earning assets | 0.5241% | 2,450 |
| Net interest margin | 3.4261% | 4,081 |
| Noninterest income to average assets | 0.5787% | 2,995 |
| Noninterest expense to average assets | 2.5065% | 4,526 |
| Loan and lease loss provision to assets | 0.1153% | 2,246 |
| Net operating income to assets | 0.9172% | 2,791 |
| Return on assets (ROA) | 0.9813% | 2,554 |
| Pretax return on assets | 1.1927% | 2,682 |
| Return on Equity (ROE) | 11.4202% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.4917% | 443 |
| Net charge-offs to loans | -0.0081% | 5,526 |
| Credit loss provision to net charge-offs | -2,941.1765% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0842% | 4,045 |
| Assets per employee ($millions) | 4.5462% | 2,961 |
| Cash dividends to net income (ytd only)* | 8.1297% | 4,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 5,957 |
| Loan loss allowance to noncurrent loans | 529.7945% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,754 |
| Noncurrent loans to loans | 0.1353% | 5,352 |
| Net loans and leases to total assets | 50.1281% | 4,959 |
| Net loans and leases to deposits | 57.2207% | 5,110 |
| Net loans and leases to core deposits | 67.6618% | 4,538 |
| Total domestic deposits to total assets | 87.6049% | 1,975 |
| Equity capital to assets | 9.8482% | 4,290 |
| Core capital (leverage) ratio | 9.0098% | 4,987 |
| Tier 1 risk-based capital ratio | 14.1459% | 4,000 |
| Total risk-based capital ratio | 14.7022% | 4,380 |
| Memoranda: | ||
| Average total assets | $433,705,600 | 1,537 |
| Average earning assets | $399,721,000 | 1,531 |
| Average equity | $37,267,400 | 1,887 |
| Average total loans | $209,130,400 | 1,981 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 4,082 |
| Cost of funding earning assets | 0.5320% | 2,448 |
| Net interest margin | 3.3911% | 4,276 |
| Noninterest income to average assets | 0.5878% | 2,942 |
| Noninterest expense to average assets | 2.4678% | 4,623 |
| Loan and lease loss provision to assets | 0.1378% | 1,809 |
| Net operating income to assets | 0.9141% | 2,844 |
| Return on assets (ROA) | 0.9713% | 2,658 |
| Pretax return on assets | 1.1750% | 2,888 |
| Return on Equity (ROE) | 11.7237% | 1,551 |
| Retained earnings to average equity (ytd only) | 10.4445% | 608 |
| Net charge-offs to loans | -0.0122% | 5,476 |
| Credit loss provision to net charge-offs | -2,368.4211% | 5,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4879% | 4,137 |
| Assets per employee ($millions) | 4.7452% | 2,602 |
| Cash dividends to net income (ytd only)* | 10.9114% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 6,097 |
| Loan loss allowance to noncurrent loans | 14,970.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,204 |
| Noncurrent loans to loans | 0.0047% | 6,028 |
| Net loans and leases to total assets | 47.8465% | 5,219 |
| Net loans and leases to deposits | 52.7297% | 5,486 |
| Net loans and leases to core deposits | 61.7413% | 5,053 |
| Total domestic deposits to total assets | 90.7392% | 439 |
| Equity capital to assets | 8.9300% | 5,430 |
| Core capital (leverage) ratio | 8.4231% | 5,732 |
| Tier 1 risk-based capital ratio | 13.7132% | 4,409 |
| Total risk-based capital ratio | 14.2499% | 4,791 |
| Memoranda: | ||
| Average total assets | $435,295,750 | 1,537 |
| Average earning assets | $401,000,500 | 1,534 |
| Average equity | $36,062,750 | 1,954 |
| Average total loans | $207,471,250 | 1,999 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 4,154 |
| Cost of funding earning assets | 0.5337% | 2,506 |
| Net interest margin | 3.3616% | 4,348 |
| Noninterest income to average assets | 0.5682% | 2,999 |
| Noninterest expense to average assets | 2.4690% | 4,673 |
| Loan and lease loss provision to assets | 0.1385% | 1,792 |
| Net operating income to assets | 0.8966% | 2,828 |
| Return on assets (ROA) | 0.9425% | 2,686 |
| Pretax return on assets | 1.1110% | 3,057 |
| Return on Equity (ROE) | 11.6860% | 1,525 |
| Retained earnings to average equity (ytd only) | 9.7059% | 792 |
| Net charge-offs to loans | 0.0039% | 4,248 |
| Credit loss provision to net charge-offs | 7,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 647.5000% | 109 |
| Efficiency ratio | 67.3762% | 4,137 |
| Assets per employee ($millions) | 4.7135% | 2,588 |
| Cash dividends to net income (ytd only)* | 16.9442% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6355% | 6,261 |
| Loan loss allowance to noncurrent loans | 1,132.4786% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 6,136 |
| Noncurrent loans to loans | 0.0561% | 5,871 |
| Net loans and leases to total assets | 46.7563% | 5,292 |
| Net loans and leases to deposits | 51.2869% | 5,542 |
| Net loans and leases to core deposits | 60.1711% | 5,125 |
| Total domestic deposits to total assets | 91.1661% | 359 |
| Equity capital to assets | 8.5084% | 5,795 |
| Core capital (leverage) ratio | 8.3775% | 5,765 |
| Tier 1 risk-based capital ratio | 13.5187% | 4,562 |
| Total risk-based capital ratio | 14.0012% | 5,008 |
| Memoranda: | ||
| Average total assets | $433,294,670 | 1,546 |
| Average earning assets | $399,092,330 | 1,536 |
| Average equity | $34,947,670 | 1,996 |
| Average total loans | $205,747,330 | 2,011 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 4,133 |
| Cost of funding earning assets | 0.5411% | 2,492 |
| Net interest margin | 3.3467% | 4,345 |
| Noninterest income to average assets | 0.5434% | 3,094 |
| Noninterest expense to average assets | 2.4369% | 4,824 |
| Loan and lease loss provision to assets | 0.1401% | 1,734 |
| Net operating income to assets | 0.8878% | 2,715 |
| Return on assets (ROA) | 0.9188% | 2,632 |
| Pretax return on assets | 1.0868% | 2,970 |
| Return on Equity (ROE) | 11.7239% | 1,485 |
| Retained earnings to average equity (ytd only) | 11.7239% | 644 |
| Net charge-offs to loans | -0.0020% | 4,701 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1815% | 4,330 |
| Assets per employee ($millions) | 5.0693% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5845% | 6,427 |
| Loan loss allowance to noncurrent loans | 861.3139% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 6,200 |
| Noncurrent loans to loans | 0.0679% | 5,937 |
| Net loans and leases to total assets | 44.9875% | 5,430 |
| Net loans and leases to deposits | 48.9941% | 5,670 |
| Net loans and leases to core deposits | 57.5786% | 5,232 |
| Total domestic deposits to total assets | 91.8224% | 292 |
| Equity capital to assets | 7.7958% | 6,180 |
| Core capital (leverage) ratio | 8.1918% | 5,955 |
| Tier 1 risk-based capital ratio | 13.5426% | 4,653 |
| Total risk-based capital ratio | 13.9826% | 5,106 |
| Memoranda: | ||
| Average total assets | $428,408,000 | 1,568 |
| Average earning assets | $394,781,500 | 1,564 |
| Average equity | $33,572,500 | 2,055 |
| Average total loans | $204,377,500 | 2,019 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 4,100 |
| Cost of funding earning assets | 0.6043% | 2,621 |
| Net interest margin | 3.3896% | 4,318 |
| Noninterest income to average assets | 0.6556% | 2,778 |
| Noninterest expense to average assets | 2.4903% | 4,792 |
| Loan and lease loss provision to assets | 0.1999% | 1,859 |
| Net operating income to assets | 0.8642% | 2,950 |
| Return on assets (ROA) | 0.9852% | 2,465 |
| Pretax return on assets | 1.2261% | 2,476 |
| Return on Equity (ROE) | 11.8105% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.2112% | 396 |
| Net charge-offs to loans | 0.2198% | 2,703 |
| Credit loss provision to net charge-offs | 188.6792% | 1,213 |
| Earnings coverage of net charge-offs (x) | 12.0307% | 2,177 |
| Efficiency ratio | 66.1401% | 4,534 |
| Assets per employee ($millions) | 4.7209% | 2,555 |
| Cash dividends to net income (ytd only)* | 5.0736% | 4,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4974% | 6,575 |
| Loan loss allowance to noncurrent loans | 352.3973% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 6,135 |
| Noncurrent loans to loans | 0.1411% | 5,776 |
| Net loans and leases to total assets | 50.1214% | 5,071 |
| Net loans and leases to deposits | 54.5335% | 5,425 |
| Net loans and leases to core deposits | 64.3249% | 4,839 |
| Total domestic deposits to total assets | 91.9093% | 299 |
| Equity capital to assets | 7.8809% | 6,098 |
| Core capital (leverage) ratio | 8.6002% | 5,547 |
| Tier 1 risk-based capital ratio | 13.2413% | 4,830 |
| Total risk-based capital ratio | 13.6269% | 5,308 |
| Memoranda: | ||
| Average total assets | $400,117,000 | 1,646 |
| Average earning assets | $367,062,200 | 1,646 |
| Average equity | $33,377,200 | 2,064 |
| Average total loans | $192,875,600 | 2,069 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 4,228 |
| Cost of funding earning assets | 0.6252% | 2,603 |
| Net interest margin | 3.3493% | 4,470 |
| Noninterest income to average assets | 0.6702% | 2,778 |
| Noninterest expense to average assets | 2.5078% | 4,694 |
| Loan and lease loss provision to assets | 0.2348% | 1,541 |
| Net operating income to assets | 0.8457% | 3,121 |
| Return on assets (ROA) | 1.0020% | 2,452 |
| Pretax return on assets | 1.1825% | 2,774 |
| Return on Equity (ROE) | 11.8425% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.8425% | 441 |
| Net charge-offs to loans | 0.1056% | 3,478 |
| Credit loss provision to net charge-offs | 466.6667% | 571 |
| Earnings coverage of net charge-offs (x) | 24.5127% | 1,421 |
| Efficiency ratio | 67.0313% | 4,298 |
| Assets per employee ($millions) | 4.6363% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5870% | 6,580 |
| Loan loss allowance to noncurrent loans | 184.7926% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 5,956 |
| Noncurrent loans to loans | 0.3177% | 5,433 |
| Net loans and leases to total assets | 49.9368% | 5,144 |
| Net loans and leases to deposits | 54.3982% | 5,499 |
| Net loans and leases to core deposits | 63.4851% | 4,952 |
| Total domestic deposits to total assets | 91.7986% | 284 |
| Equity capital to assets | 7.8458% | 6,232 |
| Core capital (leverage) ratio | 8.4484% | 5,816 |
| Tier 1 risk-based capital ratio | 13.1954% | 4,985 |
| Total risk-based capital ratio | 13.6544% | 5,448 |
| Memoranda: | ||
| Average total assets | $397,467,000 | 1,666 |
| Average earning assets | $364,450,500 | 1,664 |
| Average equity | $33,629,500 | 2,067 |
| Average total loans | $189,373,000 | 2,102 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 4,302 |
| Cost of funding earning assets | 0.6329% | 2,656 |
| Net interest margin | 3.3145% | 4,515 |
| Noninterest income to average assets | 0.6422% | 2,954 |
| Noninterest expense to average assets | 2.5160% | 4,666 |
| Loan and lease loss provision to assets | 0.2284% | 1,642 |
| Net operating income to assets | 0.7907% | 3,343 |
| Return on assets (ROA) | 1.0158% | 2,389 |
| Pretax return on assets | 1.2047% | 2,655 |
| Return on Equity (ROE) | 11.7123% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.7123% | 540 |
| Net charge-offs to loans | 0.1238% | 3,138 |
| Credit loss provision to net charge-offs | 394.7368% | 664 |
| Earnings coverage of net charge-offs (x) | 20.1316% | 1,474 |
| Efficiency ratio | 68.3492% | 4,116 |
| Assets per employee ($millions) | 4.4083% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5162% | 6,694 |
| Loan loss allowance to noncurrent loans | 215.2174% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 6,143 |
| Noncurrent loans to loans | 0.2398% | 5,704 |
| Net loans and leases to total assets | 47.5628% | 5,366 |
| Net loans and leases to deposits | 51.7325% | 5,704 |
| Net loans and leases to core deposits | 60.5283% | 5,219 |
| Total domestic deposits to total assets | 91.9398% | 262 |
| Equity capital to assets | 7.8149% | 6,308 |
| Core capital (leverage) ratio | 8.3658% | 5,807 |
| Tier 1 risk-based capital ratio | 12.9939% | 5,147 |
| Total risk-based capital ratio | 13.3768% | 5,663 |
| Memoranda: | ||
| Average total assets | $393,959,330 | 1,680 |
| Average earning assets | $361,205,670 | 1,678 |
| Average equity | $34,169,330 | 2,035 |
| Average total loans | $184,184,000 | 2,162 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 4,359 |
| Cost of funding earning assets | 0.6563% | 2,600 |
| Net interest margin | 3.2759% | 4,610 |
| Noninterest income to average assets | 0.6794% | 2,698 |
| Noninterest expense to average assets | 2.5494% | 4,569 |
| Loan and lease loss provision to assets | 0.1537% | 2,331 |
| Net operating income to assets | 0.9061% | 2,620 |
| Return on assets (ROA) | 1.0390% | 2,185 |
| Pretax return on assets | 1.1333% | 2,843 |
| Return on Equity (ROE) | 11.4000% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.4000% | 800 |
| Net charge-offs to loans | 0.2461% | 1,977 |
| Credit loss provision to net charge-offs | 135.1351% | 1,467 |
| Earnings coverage of net charge-offs (x) | 10.0450% | 1,777 |
| Efficiency ratio | 69.0536% | 4,136 |
| Assets per employee ($millions) | 4.5699% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3812% | 6,862 |
| Loan loss allowance to noncurrent loans | 122.4779% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 6,111 |
| Noncurrent loans to loans | 0.3112% | 5,621 |
| Net loans and leases to total assets | 44.9689% | 5,552 |
| Net loans and leases to deposits | 49.4922% | 5,823 |
| Net loans and leases to core deposits | 57.5060% | 5,388 |
| Total domestic deposits to total assets | 90.8606% | 586 |
| Equity capital to assets | 8.8582% | 5,655 |
| Core capital (leverage) ratio | 8.1274% | 6,020 |
| Tier 1 risk-based capital ratio | 13.7217% | 4,705 |
| Total risk-based capital ratio | 14.0129% | 5,344 |
| Memoranda: | ||
| Average total assets | $390,360,000 | 1,711 |
| Average earning assets | $358,982,000 | 1,704 |
| Average equity | $35,579,000 | 1,982 |
| Average total loans | $180,380,000 | 2,210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0524% | 5,139 |
| Cost of funding earning assets | 0.7659% | 2,959 |
| Net interest margin | 3.2865% | 5,298 |
| Noninterest income to average assets | 0.6996% | 2,726 |
| Noninterest expense to average assets | 2.5898% | 4,774 |
| Loan and lease loss provision to assets | 0.1961% | 3,179 |
| Net operating income to assets | 0.8154% | 3,217 |
| Return on assets (ROA) | 0.9353% | 2,867 |
| Pretax return on assets | 1.0354% | 3,412 |
| Return on Equity (ROE) | 10.6428% | 1,922 |
| Retained earnings to average equity (ytd only) | 8.7128% | 907 |
| Net charge-offs to loans | 0.5810% | 1,985 |
| Credit loss provision to net charge-offs | 75.4892% | 3,989 |
| Earnings coverage of net charge-offs (x) | 4.2276% | 3,433 |
| Efficiency ratio | 70.2213% | 3,767 |
| Assets per employee ($millions) | 4.1601% | 3,636 |
| Cash dividends to net income (ytd only)* | 18.1350% | 3,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3649% | 6,916 |
| Loan loss allowance to noncurrent loans | 76.1350% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 5,990 |
| Noncurrent loans to loans | 0.4793% | 5,323 |
| Net loans and leases to total assets | 47.1700% | 5,494 |
| Net loans and leases to deposits | 52.3033% | 5,783 |
| Net loans and leases to core deposits | 61.8031% | 5,176 |
| Total domestic deposits to total assets | 90.1855% | 854 |
| Equity capital to assets | 9.3866% | 5,019 |
| Core capital (leverage) ratio | 8.2001% | 5,998 |
| Tier 1 risk-based capital ratio | 13.7275% | 4,581 |
| Total risk-based capital ratio | 14.0125% | 5,219 |
| Memoranda: | ||
| Average total assets | $373,778,000 | 1,741 |
| Average earning assets | $339,873,000 | 1,748 |
| Average equity | $32,848,400 | 2,101 |
| Average total loans | $167,138,800 | 2,337 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 5,314 |
| Cost of funding earning assets | 0.7917% | 3,014 |
| Net interest margin | 3.2713% | 5,481 |
| Noninterest income to average assets | 0.6506% | 2,991 |
| Noninterest expense to average assets | 2.6116% | 4,697 |
| Loan and lease loss provision to assets | 0.1192% | 4,061 |
| Net operating income to assets | 0.7620% | 3,642 |
| Return on assets (ROA) | 0.8814% | 3,317 |
| Pretax return on assets | 1.0263% | 3,616 |
| Return on Equity (ROE) | 10.2059% | 2,251 |
| Retained earnings to average equity (ytd only) | 10.2059% | 865 |
| Net charge-offs to loans | 0.7872% | 1,405 |
| Credit loss provision to net charge-offs | 34.3653% | 4,726 |
| Earnings coverage of net charge-offs (x) | 2.9030% | 3,873 |
| Efficiency ratio | 72.1788% | 3,289 |
| Assets per employee ($millions) | 4.3448% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1526% | 7,090 |
| Loan loss allowance to noncurrent loans | 38.0952% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 6,275 |
| Noncurrent loans to loans | 0.4006% | 5,654 |
| Net loans and leases to total assets | 42.8339% | 6,055 |
| Net loans and leases to deposits | 47.3028% | 6,298 |
| Net loans and leases to core deposits | 55.9067% | 5,899 |
| Total domestic deposits to total assets | 90.5526% | 577 |
| Equity capital to assets | 8.9658% | 5,856 |
| Core capital (leverage) ratio | 7.8889% | 6,410 |
| Tier 1 risk-based capital ratio | 13.6036% | 4,812 |
| Total risk-based capital ratio | 13.7177% | 5,631 |
| Memoranda: | ||
| Average total assets | $372,579,750 | 1,769 |
| Average earning assets | $337,999,250 | 1,781 |
| Average equity | $32,176,750 | 2,156 |
| Average total loans | $164,117,000 | 2,405 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 5,333 |
| Cost of funding earning assets | 0.7624% | 3,498 |
| Net interest margin | 3.3327% | 5,338 |
| Noninterest income to average assets | 0.5824% | 3,367 |
| Noninterest expense to average assets | 2.7017% | 4,416 |
| Loan and lease loss provision to assets | 0.1092% | 4,158 |
| Net operating income to assets | 0.6971% | 3,885 |
| Return on assets (ROA) | 0.7903% | 3,686 |
| Pretax return on assets | 0.8897% | 4,120 |
| Return on Equity (ROE) | 9.2773% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.2773% | 1,184 |
| Net charge-offs to loans | 0.0528% | 4,666 |
| Credit loss provision to net charge-offs | 465.1163% | 646 |
| Earnings coverage of net charge-offs (x) | 38.0930% | 911 |
| Efficiency ratio | 75.1366% | 2,873 |
| Assets per employee ($millions) | 4.2273% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 6,907 |
| Loan loss allowance to noncurrent loans | 53.4149% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 5,469 |
| Noncurrent loans to loans | 1.1716% | 4,197 |
| Net loans and leases to total assets | 43.7427% | 6,042 |
| Net loans and leases to deposits | 48.1066% | 6,303 |
| Net loans and leases to core deposits | 56.8123% | 5,879 |
| Total domestic deposits to total assets | 90.9285% | 473 |
| Equity capital to assets | 8.6543% | 6,069 |
| Core capital (leverage) ratio | 7.9505% | 6,323 |
| Tier 1 risk-based capital ratio | 12.5928% | 5,505 |
| Total risk-based capital ratio | 13.0395% | 6,042 |
| Memoranda: | ||
| Average total assets | $366,430,000 | 1,797 |
| Average earning assets | $331,327,000 | 1,817 |
| Average equity | $31,216,000 | 2,191 |
| Average total loans | $162,906,330 | 2,427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 5,204 |
| Cost of funding earning assets | 0.8565% | 3,017 |
| Net interest margin | 3.3150% | 5,420 |
| Noninterest income to average assets | 0.6444% | 2,964 |
| Noninterest expense to average assets | 2.6688% | 4,548 |
| Loan and lease loss provision to assets | 0.1113% | 3,964 |
| Net operating income to assets | 0.7631% | 3,556 |
| Return on assets (ROA) | 0.9204% | 3,036 |
| Pretax return on assets | 1.0283% | 3,580 |
| Return on Equity (ROE) | 10.8956% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.8956% | 1,057 |
| Net charge-offs to loans | -0.0174% | 6,125 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4456% | 3,188 |
| Assets per employee ($millions) | 4.3834% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 6,960 |
| Loan loss allowance to noncurrent loans | 156.1815% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 5,865 |
| Noncurrent loans to loans | 0.3997% | 5,875 |
| Net loans and leases to total assets | 42.6347% | 6,132 |
| Net loans and leases to deposits | 46.6475% | 6,376 |
| Net loans and leases to core deposits | 55.6904% | 5,931 |
| Total domestic deposits to total assets | 91.3976% | 406 |
| Equity capital to assets | 8.3405% | 6,231 |
| Core capital (leverage) ratio | 7.7494% | 6,447 |
| Tier 1 risk-based capital ratio | 12.7804% | 5,382 |
| Total risk-based capital ratio | 13.2214% | 5,975 |
| Memoranda: | ||
| Average total assets | $359,416,500 | 1,842 |
| Average earning assets | $324,102,500 | 1,858 |
| Average equity | $30,361,000 | 2,240 |
| Average total loans | $160,624,500 | 2,475 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 5,363 |
| Cost of funding earning assets | 1.0223% | 3,223 |
| Net interest margin | 3.3915% | 5,507 |
| Noninterest income to average assets | 0.6413% | 2,939 |
| Noninterest expense to average assets | 2.6545% | 4,909 |
| Loan and lease loss provision to assets | 0.1499% | 4,742 |
| Net operating income to assets | 0.7744% | 3,157 |
| Return on assets (ROA) | 0.8213% | 3,111 |
| Pretax return on assets | 0.9666% | 3,362 |
| Return on Equity (ROE) | 10.5641% | 1,857 |
| Retained earnings to average equity (ytd only) | 8.4609% | 934 |
| Net charge-offs to loans | 0.1207% | 5,176 |
| Credit loss provision to net charge-offs | 283.6066% | 834 |
| Earnings coverage of net charge-offs (x) | 20.0765% | 1,148 |
| Efficiency ratio | 71.4375% | 3,706 |
| Assets per employee ($millions) | 4.0260% | 3,795 |
| Cash dividends to net income (ytd only)* | 19.9085% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5521% | 7,062 |
| Loan loss allowance to noncurrent loans | 191.2017% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8191% | 4,994 |
| Noncurrent loans to loans | 0.2887% | 6,145 |
| Net loans and leases to total assets | 46.3569% | 5,987 |
| Net loans and leases to deposits | 50.9304% | 6,296 |
| Net loans and leases to core deposits | 61.0851% | 5,746 |
| Total domestic deposits to total assets | 91.0201% | 498 |
| Equity capital to assets | 8.5623% | 6,060 |
| Core capital (leverage) ratio | 7.9274% | 6,327 |
| Tier 1 risk-based capital ratio | 14.5315% | 3,951 |
| Total risk-based capital ratio | 14.9972% | 4,480 |
| Memoranda: | ||
| Average total assets | $346,165,000 | 1,870 |
| Average earning assets | $313,810,000 | 1,881 |
| Average equity | $26,912,000 | 2,405 |
| Average total loans | $151,579,200 | 2,620 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 5,448 |
| Cost of funding earning assets | 1.0654% | 3,209 |
| Net interest margin | 3.3794% | 5,637 |
| Noninterest income to average assets | 0.5797% | 3,301 |
| Noninterest expense to average assets | 2.6181% | 5,009 |
| Loan and lease loss provision to assets | 0.1032% | 5,154 |
| Net operating income to assets | 0.8001% | 3,163 |
| Return on assets (ROA) | 0.8335% | 3,172 |
| Pretax return on assets | 0.9653% | 3,537 |
| Return on Equity (ROE) | 11.0005% | 1,860 |
| Retained earnings to average equity (ytd only) | 11.0005% | 630 |
| Net charge-offs to loans | 0.0483% | 5,509 |
| Credit loss provision to net charge-offs | 496.2963% | 563 |
| Earnings coverage of net charge-offs (x) | 49.4988% | 647 |
| Efficiency ratio | 71.7740% | 3,598 |
| Assets per employee ($millions) | 4.2357% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5000% | 7,165 |
| Loan loss allowance to noncurrent loans | 171.1111% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 5,087 |
| Noncurrent loans to loans | 0.2922% | 6,265 |
| Net loans and leases to total assets | 42.5642% | 6,459 |
| Net loans and leases to deposits | 46.6269% | 6,710 |
| Net loans and leases to core deposits | 56.3283% | 6,292 |
| Total domestic deposits to total assets | 91.2866% | 350 |
| Equity capital to assets | 8.3942% | 6,402 |
| Core capital (leverage) ratio | 7.8549% | 6,524 |
| Tier 1 risk-based capital ratio | 14.7238% | 3,822 |
| Total risk-based capital ratio | 15.1412% | 4,387 |
| Memoranda: | ||
| Average total assets | $346,146,250 | 1,875 |
| Average earning assets | $314,249,500 | 1,883 |
| Average equity | $26,228,500 | 2,459 |
| Average total loans | $149,124,750 | 2,674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5471% | 5,184 |
| Cost of funding earning assets | 1.1275% | 3,053 |
| Net interest margin | 3.4196% | 5,482 |
| Noninterest income to average assets | 0.5417% | 3,543 |
| Noninterest expense to average assets | 2.6412% | 5,035 |
| Loan and lease loss provision to assets | 0.0984% | 5,088 |
| Net operating income to assets | 0.7819% | 3,151 |
| Return on assets (ROA) | 0.8099% | 3,147 |
| Pretax return on assets | 0.9265% | 3,527 |
| Return on Equity (ROE) | 11.1096% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.1096% | 649 |
| Net charge-offs to loans | 0.0420% | 5,269 |
| Credit loss provision to net charge-offs | 541.9355% | 567 |
| Earnings coverage of net charge-offs (x) | 54.6774% | 579 |
| Efficiency ratio | 72.6833% | 3,603 |
| Assets per employee ($millions) | 4.1535% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4566% | 7,255 |
| Loan loss allowance to noncurrent loans | 135.8824% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 5,078 |
| Noncurrent loans to loans | 0.3361% | 6,243 |
| Net loans and leases to total assets | 42.7890% | 6,537 |
| Net loans and leases to deposits | 46.5277% | 6,803 |
| Net loans and leases to core deposits | 56.4319% | 6,385 |
| Total domestic deposits to total assets | 91.9646% | 240 |
| Equity capital to assets | 7.7703% | 6,822 |
| Core capital (leverage) ratio | 7.8385% | 6,470 |
| Tier 1 risk-based capital ratio | 13.3803% | 4,626 |
| Total risk-based capital ratio | 13.7396% | 5,334 |
| Memoranda: | ||
| Average total assets | $341,517,330 | 1,911 |
| Average earning assets | $308,811,670 | 1,920 |
| Average equity | $24,897,330 | 2,569 |
| Average total loans | $147,494,670 | 2,727 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 5,033 |
| Cost of funding earning assets | 1.1917% | 2,873 |
| Net interest margin | 3.3874% | 5,475 |
| Noninterest income to average assets | 0.5528% | 3,488 |
| Noninterest expense to average assets | 2.7032% | 4,824 |
| Loan and lease loss provision to assets | 0.0798% | 5,010 |
| Net operating income to assets | 0.7746% | 3,144 |
| Return on assets (ROA) | 0.7768% | 3,205 |
| Pretax return on assets | 0.8471% | 3,712 |
| Return on Equity (ROE) | 11.0371% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.0371% | 896 |
| Net charge-offs to loans | 0.0660% | 4,261 |
| Credit loss provision to net charge-offs | 279.1667% | 1,139 |
| Earnings coverage of net charge-offs (x) | 32.3333% | 792 |
| Efficiency ratio | 74.5156% | 3,422 |
| Assets per employee ($millions) | 4.3268% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4146% | 7,340 |
| Loan loss allowance to noncurrent loans | 93.0016% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 5,033 |
| Noncurrent loans to loans | 0.4458% | 6,119 |
| Net loans and leases to total assets | 41.5003% | 6,670 |
| Net loans and leases to deposits | 44.8395% | 6,919 |
| Net loans and leases to core deposits | 54.7941% | 6,502 |
| Total domestic deposits to total assets | 92.5529% | 175 |
| Equity capital to assets | 7.0643% | 7,067 |
| Core capital (leverage) ratio | 7.5907% | 6,666 |
| Tier 1 risk-based capital ratio | 13.2121% | 4,655 |
| Total risk-based capital ratio | 13.5161% | 5,462 |
| Memoranda: | ||
| Average total assets | $335,750,500 | 1,952 |
| Average earning assets | $304,772,500 | 1,955 |
| Average equity | $23,629,500 | 2,678 |
| Average total loans | $145,362,000 | 2,783 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9401% | 4,834 |
| Cost of funding earning assets | 1.4224% | 3,124 |
| Net interest margin | 3.5177% | 5,176 |
| Noninterest income to average assets | 0.5873% | 3,556 |
| Noninterest expense to average assets | 2.5588% | 5,586 |
| Loan and lease loss provision to assets | 0.1720% | 5,504 |
| Net operating income to assets | 0.9237% | 2,302 |
| Return on assets (ROA) | 0.9382% | 2,374 |
| Pretax return on assets | 1.0596% | 2,738 |
| Return on Equity (ROE) | 12.5822% | 1,197 |
| Retained earnings to average equity (ytd only) | 10.2504% | 474 |
| Net charge-offs to loans | 0.2093% | 5,040 |
| Credit loss provision to net charge-offs | 185.8131% | 1,764 |
| Earnings coverage of net charge-offs (x) | 13.1315% | 1,441 |
| Efficiency ratio | 67.8008% | 4,600 |
| Assets per employee ($millions) | 4.2254% | 3,332 |
| Cash dividends to net income (ytd only)* | 18.5324% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3789% | 7,439 |
| Loan loss allowance to noncurrent loans | 170.2454% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 1.0032% | 4,994 |
| Noncurrent loans to loans | 0.2226% | 6,617 |
| Net loans and leases to total assets | 44.8493% | 6,651 |
| Net loans and leases to deposits | 48.5195% | 6,926 |
| Net loans and leases to core deposits | 59.3577% | 6,448 |
| Total domestic deposits to total assets | 92.4356% | 198 |
| Equity capital to assets | 7.0096% | 7,110 |
| Core capital (leverage) ratio | 7.8134% | 6,426 |
| Tier 1 risk-based capital ratio | 12.8998% | 4,684 |
| Total risk-based capital ratio | 13.1772% | 5,521 |
| Memoranda: | ||
| Average total assets | $312,296,200 | 2,076 |
| Average earning assets | $282,908,800 | 2,086 |
| Average equity | $23,286,800 | 2,724 |
| Average total loans | $138,084,800 | 2,984 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 4,922 |
| Cost of funding earning assets | 1.4804% | 3,084 |
| Net interest margin | 3.4960% | 5,309 |
| Noninterest income to average assets | 0.5652% | 3,685 |
| Noninterest expense to average assets | 2.4868% | 5,758 |
| Loan and lease loss provision to assets | 0.2317% | 4,756 |
| Net operating income to assets | 0.8862% | 2,667 |
| Return on assets (ROA) | 0.9052% | 2,731 |
| Pretax return on assets | 1.0307% | 3,071 |
| Return on Equity (ROE) | 11.9505% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.9505% | 467 |
| Net charge-offs to loans | 0.2824% | 4,251 |
| Credit loss provision to net charge-offs | 186.4583% | 1,935 |
| Earnings coverage of net charge-offs (x) | 9.9861% | 1,933 |
| Efficiency ratio | 66.7130% | 4,708 |
| Assets per employee ($millions) | 4.4042% | 3,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4036% | 7,534 |
| Loan loss allowance to noncurrent loans | 174.2947% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,954 |
| Noncurrent loans to loans | 0.2316% | 6,716 |
| Net loans and leases to total assets | 41.5368% | 7,004 |
| Net loans and leases to deposits | 45.1321% | 7,199 |
| Net loans and leases to core deposits | 54.3596% | 6,939 |
| Total domestic deposits to total assets | 92.0339% | 187 |
| Equity capital to assets | 7.5250% | 7,117 |
| Core capital (leverage) ratio | 7.1901% | 7,063 |
| Tier 1 risk-based capital ratio | 12.6937% | 4,818 |
| Total risk-based capital ratio | 12.9877% | 5,669 |
| Memoranda: | ||
| Average total assets | $309,031,750 | 2,139 |
| Average earning assets | $279,550,750 | 2,144 |
| Average equity | $23,407,000 | 2,760 |
| Average total loans | $135,987,500 | 3,052 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 4,632 |
| Cost of funding earning assets | 1.5103% | 3,202 |
| Net interest margin | 3.5564% | 5,023 |
| Noninterest income to average assets | 0.5047% | 4,079 |
| Noninterest expense to average assets | 2.5032% | 5,711 |
| Loan and lease loss provision to assets | 0.1669% | 5,212 |
| Net operating income to assets | 0.9411% | 2,398 |
| Return on assets (ROA) | 0.9671% | 2,394 |
| Pretax return on assets | 1.0817% | 2,841 |
| Return on Equity (ROE) | 12.7377% | 1,305 |
| Retained earnings to average equity (ytd only) | 12.7377% | 410 |
| Net charge-offs to loans | 0.3663% | 3,530 |
| Credit loss provision to net charge-offs | 101.6129% | 4,019 |
| Earnings coverage of net charge-offs (x) | 7.4234% | 2,298 |
| Efficiency ratio | 67.2420% | 4,718 |
| Assets per employee ($millions) | 4.1614% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2263% | 7,695 |
| Loan loss allowance to noncurrent loans | 12.9368% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 5,382 |
| Noncurrent loans to loans | 1.7495% | 4,060 |
| Net loans and leases to total assets | 42.7874% | 6,995 |
| Net loans and leases to deposits | 46.3611% | 7,234 |
| Net loans and leases to core deposits | 54.7089% | 7,006 |
| Total domestic deposits to total assets | 92.2915% | 175 |
| Equity capital to assets | 7.5288% | 7,094 |
| Core capital (leverage) ratio | 7.4878% | 6,830 |
| Tier 1 risk-based capital ratio | 12.6979% | 4,691 |
| Total risk-based capital ratio | 12.8668% | 5,621 |
| Memoranda: | ||
| Average total assets | $301,937,670 | 2,189 |
| Average earning assets | $273,197,000 | 2,210 |
| Average equity | $22,924,000 | 2,804 |
| Average total loans | $135,397,330 | 3,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 3,967 |
| Cost of funding earning assets | 1.5563% | 3,227 |
| Net interest margin | 3.6531% | 4,474 |
| Noninterest income to average assets | 0.4906% | 4,121 |
| Noninterest expense to average assets | 2.5433% | 5,569 |
| Loan and lease loss provision to assets | 0.1722% | 4,801 |
| Net operating income to assets | 0.9785% | 2,269 |
| Return on assets (ROA) | 0.9785% | 2,330 |
| Pretax return on assets | 1.0632% | 2,870 |
| Return on Equity (ROE) | 12.8292% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.8292% | 643 |
| Net charge-offs to loans | 0.1101% | 4,326 |
| Credit loss provision to net charge-offs | 340.5405% | 1,182 |
| Earnings coverage of net charge-offs (x) | 24.4324% | 1,016 |
| Efficiency ratio | 67.3056% | 4,849 |
| Assets per employee ($millions) | 4.0741% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2934% | 7,759 |
| Loan loss allowance to noncurrent loans | 14.0326% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 5,275 |
| Noncurrent loans to loans | 2.0910% | 3,669 |
| Net loans and leases to total assets | 44.6331% | 6,940 |
| Net loans and leases to deposits | 48.4332% | 7,209 |
| Net loans and leases to core deposits | 57.1680% | 6,923 |
| Total domestic deposits to total assets | 92.1538% | 216 |
| Equity capital to assets | 7.6674% | 6,954 |
| Core capital (leverage) ratio | 7.6163% | 6,718 |
| Tier 1 risk-based capital ratio | 13.0489% | 4,298 |
| Total risk-based capital ratio | 13.2739% | 5,134 |
| Memoranda: | ||
| Average total assets | $292,694,500 | 2,295 |
| Average earning assets | $263,448,000 | 2,327 |
| Average equity | $22,324,000 | 2,902 |
| Average total loans | $134,390,000 | 3,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 3,354 |
| Cost of funding earning assets | 2.1495% | 2,235 |
| Net interest margin | 3.5002% | 4,957 |
| Noninterest income to average assets | 0.6406% | 3,351 |
| Noninterest expense to average assets | 2.7273% | 5,264 |
| Loan and lease loss provision to assets | 0.0811% | 6,797 |
| Net operating income to assets | 0.8922% | 2,205 |
| Return on assets (ROA) | 0.9609% | 2,028 |
| Pretax return on assets | 1.0961% | 2,265 |
| Return on Equity (ROE) | 12.2719% | 1,096 |
| Retained earnings to average equity (ytd only) | 10.2537% | 347 |
| Net charge-offs to loans | 0.2587% | 5,002 |
| Credit loss provision to net charge-offs | 63.4441% | 6,591 |
| Earnings coverage of net charge-offs (x) | 8.5952% | 1,921 |
| Efficiency ratio | 71.2742% | 4,392 |
| Assets per employee ($millions) | 3.9431% | 3,930 |
| Cash dividends to net income (ytd only)* | 16.4455% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2302% | 7,868 |
| Loan loss allowance to noncurrent loans | 10.9142% | 7,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 5,028 |
| Noncurrent loans to loans | 2.1088% | 3,502 |
| Net loans and leases to total assets | 47.0279% | 6,897 |
| Net loans and leases to deposits | 51.1673% | 7,194 |
| Net loans and leases to core deposits | 66.9498% | 6,932 |
| Total domestic deposits to total assets | 91.9099% | 278 |
| Equity capital to assets | 7.5843% | 6,958 |
| Core capital (leverage) ratio | 7.8161% | 6,431 |
| Tier 1 risk-based capital ratio | 12.9013% | 4,209 |
| Total risk-based capital ratio | 13.0814% | 5,052 |
| Memoranda: | ||
| Average total assets | $258,826,600 | 2,530 |
| Average earning assets | $235,585,200 | 2,547 |
| Average equity | $20,265,800 | 3,160 |
| Average total loans | $127,953,400 | 3,311 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 3,236 |
| Cost of funding earning assets | 2.2764% | 2,082 |
| Net interest margin | 3.4442% | 5,090 |
| Noninterest income to average assets | 0.6852% | 3,120 |
| Noninterest expense to average assets | 2.7732% | 5,008 |
| Loan and lease loss provision to assets | 0.0792% | 6,575 |
| Net operating income to assets | 0.8466% | 2,630 |
| Return on assets (ROA) | 0.9302% | 2,373 |
| Pretax return on assets | 1.0696% | 2,675 |
| Return on Equity (ROE) | 11.7762% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.7762% | 371 |
| Net charge-offs to loans | 0.0622% | 6,082 |
| Credit loss provision to net charge-offs | 254.2373% | 1,684 |
| Earnings coverage of net charge-offs (x) | 33.7986% | 851 |
| Efficiency ratio | 72.4852% | 4,154 |
| Assets per employee ($millions) | 4.0331% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4014% | 7,819 |
| Loan loss allowance to noncurrent loans | 17.1287% | 7,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 4,866 |
| Noncurrent loans to loans | 2.3432% | 3,214 |
| Net loans and leases to total assets | 46.2820% | 7,087 |
| Net loans and leases to deposits | 50.3668% | 7,392 |
| Net loans and leases to core deposits | 66.0079% | 7,160 |
| Total domestic deposits to total assets | 91.8899% | 189 |
| Equity capital to assets | 7.6868% | 7,162 |
| Core capital (leverage) ratio | 8.0446% | 6,287 |
| Tier 1 risk-based capital ratio | 13.1775% | 4,067 |
| Total risk-based capital ratio | 13.5077% | 4,681 |
| Memoranda: | ||
| Average total assets | $252,557,250 | 2,599 |
| Average earning assets | $230,296,500 | 2,614 |
| Average equity | $19,949,250 | 3,241 |
| Average total loans | $126,486,250 | 3,371 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 2,677 |
| Cost of funding earning assets | 2.3999% | 1,969 |
| Net interest margin | 3.4796% | 4,896 |
| Noninterest income to average assets | 0.7197% | 2,869 |
| Noninterest expense to average assets | 2.8363% | 4,796 |
| Loan and lease loss provision to assets | 0.0738% | 6,453 |
| Net operating income to assets | 0.8137% | 2,803 |
| Return on assets (ROA) | 0.9370% | 2,413 |
| Pretax return on assets | 1.1214% | 2,559 |
| Return on Equity (ROE) | 11.7419% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.7419% | 480 |
| Net charge-offs to loans | 0.0892% | 5,297 |
| Credit loss provision to net charge-offs | 160.7143% | 2,855 |
| Earnings coverage of net charge-offs (x) | 22.8393% | 1,205 |
| Efficiency ratio | 73.0112% | 4,194 |
| Assets per employee ($millions) | 3.8149% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3612% | 7,939 |
| Loan loss allowance to noncurrent loans | 11.3425% | 7,471 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 3,784 |
| Noncurrent loans to loans | 3.1844% | 2,241 |
| Net loans and leases to total assets | 49.2371% | 6,938 |
| Net loans and leases to deposits | 53.4032% | 7,315 |
| Net loans and leases to core deposits | 73.6593% | 6,811 |
| Total domestic deposits to total assets | 92.1988% | 183 |
| Equity capital to assets | 7.4026% | 7,351 |
| Core capital (leverage) ratio | 8.5810% | 5,294 |
| Tier 1 risk-based capital ratio | 12.9894% | 4,155 |
| Total risk-based capital ratio | 13.2741% | 4,822 |
| Memoranda: | ||
| Average total assets | $243,982,670 | 2,716 |
| Average earning assets | $221,922,670 | 2,723 |
| Average equity | $19,468,670 | 3,327 |
| Average total loans | $125,544,000 | 3,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 2,980 |
| Cost of funding earning assets | 2.4681% | 2,033 |
| Net interest margin | 3.3934% | 5,165 |
| Noninterest income to average assets | 0.6840% | 2,979 |
| Noninterest expense to average assets | 2.6275% | 5,337 |
| Loan and lease loss provision to assets | 0.0508% | 6,328 |
| Net operating income to assets | 0.9727% | 2,429 |
| Return on assets (ROA) | 1.0784% | 2,169 |
| Pretax return on assets | 1.2240% | 2,537 |
| Return on Equity (ROE) | 12.9990% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.9990% | 641 |
| Net charge-offs to loans | 0.0612% | 4,602 |
| Credit loss provision to net charge-offs | 157.8947% | 2,673 |
| Earnings coverage of net charge-offs (x) | 35.8947% | 927 |
| Efficiency ratio | 69.4718% | 4,683 |
| Assets per employee ($millions) | 3.7636% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3481% | 7,999 |
| Loan loss allowance to noncurrent loans | 81.9030% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 6,710 |
| Noncurrent loans to loans | 0.4250% | 6,359 |
| Net loans and leases to total assets | 50.5914% | 6,802 |
| Net loans and leases to deposits | 55.1582% | 7,213 |
| Net loans and leases to core deposits | 75.4237% | 6,717 |
| Total domestic deposits to total assets | 91.7205% | 221 |
| Equity capital to assets | 7.8414% | 7,015 |
| Core capital (leverage) ratio | 8.0562% | 6,370 |
| Tier 1 risk-based capital ratio | 12.2705% | 4,728 |
| Total risk-based capital ratio | 12.5521% | 5,510 |
| Memoranda: | ||
| Average total assets | $236,269,000 | 2,812 |
| Average earning assets | $215,710,500 | 2,813 |
| Average equity | $19,601,500 | 3,322 |
| Average total loans | $124,221,500 | 3,481 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3326% | 3,769 |
| Cost of funding earning assets | 2.8826% | 2,343 |
| Net interest margin | 3.4500% | 5,468 |
| Noninterest income to average assets | 0.5489% | 4,240 |
| Noninterest expense to average assets | 2.7533% | 5,035 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7697% | 3,572 |
| Return on assets (ROA) | -0.0860% | 6,333 |
| Pretax return on assets | -0.4063% | 6,552 |
| Return on Equity (ROE) | -0.9603% | 6,359 |
| Retained earnings to average equity (ytd only) | -3.0896% | 6,132 |
| Net charge-offs to loans | 0.0913% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.7830% | 1,680 |
| Efficiency ratio | 74.3782% | 3,508 |
| Assets per employee ($millions) | 3.2020% | 5,482 |
| Cash dividends to net income (ytd only)* | -221.7391% | 8,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3507% | 8,042 |
| Loan loss allowance to noncurrent loans | 68.2035% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 6,461 |
| Noncurrent loans to loans | 0.5142% | 5,808 |
| Net loans and leases to total assets | 54.3888% | 6,614 |
| Net loans and leases to deposits | 60.4664% | 7,051 |
| Net loans and leases to core deposits | 80.4359% | 6,582 |
| Total domestic deposits to total assets | 89.9487% | 663 |
| Equity capital to assets | 8.8003% | 5,651 |
| Core capital (leverage) ratio | 9.3155% | 4,278 |
| Tier 1 risk-based capital ratio | 13.8523% | 3,620 |
| Total risk-based capital ratio | 14.1466% | 4,092 |
| Memoranda: | ||
| Average total assets | $213,888,200 | 2,952 |
| Average earning assets | $194,375,200 | 2,971 |
| Average equity | $19,160,800 | 3,371 |
| Average total loans | $116,124,600 | 3,544 |