Home > Town & Country Bank and Trust Company > Performance and Condition Ratios
Town & Country Bank and Trust 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 | 4.1148% | 3,770 |
| Cost of funding earning assets | 0.5527% | 4,140 |
| Net interest margin | 3.5621% | 2,038 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.7940% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0196% | 2,153 |
| Return on assets (ROA) | 1.0196% | 2,134 |
| Pretax return on assets | 1.3562% | 1,728 |
| Return on Equity (ROE) | 11.5400% | 2,077 |
| Retained earnings to average equity (ytd only) | 5.2588% | 2,503 |
| Net charge-offs to loans | -0.0011% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2695% | 2,199 |
| Assets per employee ($millions) | 4.9921% | 3,640 |
| Cash dividends to net income (ytd only)* | 54.4474% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,497 |
| Loan loss allowance to noncurrent loans | 3,695.7746% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,637 |
| Noncurrent loans to loans | 0.0259% | 3,556 |
| Net loans and leases to total assets | 62.4200% | 2,640 |
| Net loans and leases to deposits | 77.3859% | 2,325 |
| Net loans and leases to core deposits | 77.9014% | 2,846 |
| Total domestic deposits to total assets | 80.6600% | 3,363 |
| Equity capital to assets | 9.5315% | 2,327 |
| Core capital (leverage) ratio | 11.1087% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $436,647,600 | 1,896 |
| Average earning assets | $411,050,800 | 1,877 |
| Average equity | $38,564,200 | 1,928 |
| Average total loans | $269,578,000 | 1,913 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,770 |
| Cost of funding earning assets | 0.4599% | 4,190 |
| Net interest margin | 3.5862% | 2,041 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.7469% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0801% | 2,117 |
| Return on assets (ROA) | 1.0801% | 2,103 |
| Pretax return on assets | 1.4305% | 1,713 |
| Return on Equity (ROE) | 12.4700% | 2,010 |
| Retained earnings to average equity (ytd only) | 6.3924% | 2,502 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.7566% | 2,303 |
| Assets per employee ($millions) | 5.0105% | 3,597 |
| Cash dividends to net income (ytd only)* | 48.7578% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,576 |
| Loan loss allowance to noncurrent loans | 32,575.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,859 |
| Noncurrent loans to loans | 0.0029% | 3,798 |
| Net loans and leases to total assets | 62.6600% | 2,593 |
| Net loans and leases to deposits | 80.5760% | 1,999 |
| Net loans and leases to core deposits | 81.0071% | 2,531 |
| Total domestic deposits to total assets | 77.7700% | 3,847 |
| Equity capital to assets | 8.6460% | 2,632 |
| Core capital (leverage) ratio | 10.9644% | 2,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $437,232,250 | 1,897 |
| Average earning assets | $411,678,500 | 1,865 |
| Average equity | $37,856,250 | 1,938 |
| Average total loans | $268,542,500 | 1,921 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,771 |
| Cost of funding earning assets | 0.3929% | 4,177 |
| Net interest margin | 3.5655% | 2,114 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.7308% | 1,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0867% | 2,158 |
| Return on assets (ROA) | 1.0867% | 2,151 |
| Pretax return on assets | 1.4266% | 1,750 |
| Return on Equity (ROE) | 12.5400% | 1,999 |
| Retained earnings to average equity (ytd only) | 6.5467% | 2,437 |
| Net charge-offs to loans | 0.0045% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 520.3333% | 285 |
| Efficiency ratio | 65.6848% | 2,282 |
| Assets per employee ($millions) | 5.2168% | 3,396 |
| Cash dividends to net income (ytd only)* | 47.8133% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,549 |
| Loan loss allowance to noncurrent loans | 26,000.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 3,875 |
| Noncurrent loans to loans | 0.0037% | 3,800 |
| Net loans and leases to total assets | 60.8500% | 2,692 |
| Net loans and leases to deposits | 75.1574% | 2,392 |
| Net loans and leases to core deposits | 75.5413% | 2,789 |
| Total domestic deposits to total assets | 80.9600% | 3,435 |
| Equity capital to assets | 8.8073% | 2,654 |
| Core capital (leverage) ratio | 10.6912% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $437,672,667 | 1,891 |
| Average earning assets | $412,339,333 | 1,869 |
| Average equity | $37,912,000 | 1,943 |
| Average total loans | $266,137,667 | 1,923 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,766 |
| Cost of funding earning assets | 0.2850% | 4,230 |
| Net interest margin | 3.5662% | 2,206 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.7389% | 1,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0791% | 2,290 |
| Return on assets (ROA) | 1.0791% | 2,259 |
| Pretax return on assets | 1.3745% | 1,949 |
| Return on Equity (ROE) | 12.5600% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.5583% | 2,626 |
| Net charge-offs to loans | -0.0030% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.5851% | 2,143 |
| Assets per employee ($millions) | 5.1083% | 3,569 |
| Cash dividends to net income (ytd only)* | 47.7966% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,660 |
| Loan loss allowance to noncurrent loans | 32,600.0000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,908 |
| Noncurrent loans to loans | 0.0030% | 3,835 |
| Net loans and leases to total assets | 61.0300% | 2,555 |
| Net loans and leases to deposits | 73.0871% | 2,377 |
| Net loans and leases to core deposits | 73.4479% | 2,723 |
| Total domestic deposits to total assets | 83.5000% | 3,197 |
| Equity capital to assets | 8.7414% | 2,704 |
| Core capital (leverage) ratio | 10.6368% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $437,402,000 | 1,916 |
| Average earning assets | $412,649,500 | 1,894 |
| Average equity | $37,570,500 | 1,978 |
| Average total loans | $264,589,000 | 1,953 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2089% | 3,810 |
| Cost of funding earning assets | 0.0976% | 4,403 |
| Net interest margin | 3.1113% | 3,149 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.4750% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9713% | 2,669 |
| Return on assets (ROA) | 0.9713% | 2,611 |
| Pretax return on assets | 1.2959% | 2,102 |
| Return on Equity (ROE) | 11.0200% | 2,470 |
| Retained earnings to average equity (ytd only) | 4.9842% | 3,063 |
| Net charge-offs to loans | -0.0037% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.6342% | 2,277 |
| Assets per employee ($millions) | 5.1844% | 3,527 |
| Cash dividends to net income (ytd only)* | 54.7913% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 3,317 |
| Loan loss allowance to noncurrent loans | 1,350.7772% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 3,365 |
| Noncurrent loans to loans | 0.0747% | 3,227 |
| Net loans and leases to total assets | 58.7500% | 2,758 |
| Net loans and leases to deposits | 66.5441% | 2,851 |
| Net loans and leases to core deposits | 66.8572% | 3,075 |
| Total domestic deposits to total assets | 88.2900% | 1,972 |
| Equity capital to assets | 8.4362% | 2,754 |
| Core capital (leverage) ratio | 10.4729% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $434,066,000 | 1,911 |
| Average earning assets | $411,976,200 | 1,873 |
| Average equity | $38,240,600 | 1,984 |
| Average total loans | $240,415,400 | 1,998 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7908% | 3,994 |
| Cost of funding earning assets | 0.0831% | 4,345 |
| Net interest margin | 2.7078% | 3,687 |
| Noninterest income to average assets | 0.8556% | 930 |
| Noninterest expense to average assets | 2.3420% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8189% | 2,892 |
| Return on assets (ROA) | 0.8189% | 2,864 |
| Pretax return on assets | 1.1026% | 2,402 |
| Return on Equity (ROE) | 8.9028% | 2,726 |
| Retained earnings to average equity (ytd only) | 3.3336% | 3,334 |
| Net charge-offs to loans | -0.0095% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9904% | 2,245 |
| Assets per employee ($millions) | 4.9261% | 3,737 |
| Cash dividends to net income (ytd only)* | 62.5561% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,197 |
| Loan loss allowance to noncurrent loans | 999.6169% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,379 |
| Noncurrent loans to loans | 0.1092% | 3,205 |
| Net loans and leases to total assets | 54.5325% | 2,906 |
| Net loans and leases to deposits | 60.0215% | 3,047 |
| Net loans and leases to core deposits | 60.3834% | 3,244 |
| Total domestic deposits to total assets | 90.8548% | 1,304 |
| Equity capital to assets | 8.7207% | 2,599 |
| Core capital (leverage) ratio | 10.0563% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,704,000 | 1,915 |
| Average earning assets | $416,580,000 | 1,894 |
| Average equity | $40,077,333 | 1,987 |
| Average total loans | $231,452,333 | 2,046 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6893% | 3,966 |
| Cost of funding earning assets | 0.0825% | 4,325 |
| Net interest margin | 2.6069% | 3,642 |
| Noninterest income to average assets | 0.8626% | 905 |
| Noninterest expense to average assets | 2.5183% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6071% | 3,372 |
| Return on assets (ROA) | 0.6071% | 3,352 |
| Pretax return on assets | 0.8342% | 3,000 |
| Return on Equity (ROE) | 6.4347% | 3,207 |
| Retained earnings to average equity (ytd only) | 1.1452% | 3,792 |
| Net charge-offs to loans | -0.0035% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1161% | 1,623 |
| Assets per employee ($millions) | 4.9842% | 3,769 |
| Cash dividends to net income (ytd only)* | 82.2021% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,170 |
| Loan loss allowance to noncurrent loans | 1,074.3802% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,495 |
| Noncurrent loans to loans | 0.1057% | 3,310 |
| Net loans and leases to total assets | 51.5898% | 3,019 |
| Net loans and leases to deposits | 56.9206% | 3,178 |
| Net loans and leases to core deposits | 57.2604% | 3,364 |
| Total domestic deposits to total assets | 90.6347% | 1,225 |
| Equity capital to assets | 8.9458% | 2,759 |
| Core capital (leverage) ratio | 10.0533% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,808,000 | 1,922 |
| Average earning assets | $417,203,500 | 1,898 |
| Average equity | $41,214,000 | 2,013 |
| Average total loans | $227,676,000 | 2,063 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2028% | 3,466 |
| Cost of funding earning assets | 0.0986% | 4,392 |
| Net interest margin | 3.1042% | 2,890 |
| Noninterest income to average assets | 0.9873% | 1,027 |
| Noninterest expense to average assets | 2.6740% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9445% | 2,887 |
| Return on assets (ROA) | 0.9445% | 2,960 |
| Pretax return on assets | 1.2684% | 2,462 |
| Return on Equity (ROE) | 8.9421% | 2,934 |
| Retained earnings to average equity (ytd only) | 3.8009% | 3,294 |
| Net charge-offs to loans | 0.0031% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 741.1429% | 197 |
| Efficiency ratio | 67.8264% | 2,008 |
| Assets per employee ($millions) | 4.8877% | 3,826 |
| Cash dividends to net income (ytd only)* | 57.4942% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 3,140 |
| Loan loss allowance to noncurrent loans | 995.4023% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,568 |
| Noncurrent loans to loans | 0.1152% | 3,353 |
| Net loans and leases to total assets | 51.4650% | 3,122 |
| Net loans and leases to deposits | 57.3516% | 3,309 |
| Net loans and leases to core deposits | 57.7000% | 3,498 |
| Total domestic deposits to total assets | 89.7361% | 1,092 |
| Equity capital to assets | 9.9288% | 2,729 |
| Core capital (leverage) ratio | 10.2603% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,014,000 | 1,956 |
| Average earning assets | $389,376,400 | 1,938 |
| Average equity | $43,200,200 | 1,970 |
| Average total loans | $228,579,200 | 2,058 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 3,369 |
| Cost of funding earning assets | 0.1035% | 4,466 |
| Net interest margin | 3.2058% | 2,710 |
| Noninterest income to average assets | 1.0408% | 999 |
| Noninterest expense to average assets | 2.6499% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0477% | 2,741 |
| Return on assets (ROA) | 1.0477% | 2,805 |
| Pretax return on assets | 1.4369% | 2,189 |
| Return on Equity (ROE) | 9.7615% | 2,822 |
| Retained earnings to average equity (ytd only) | 4.6786% | 3,343 |
| Net charge-offs to loans | -0.0029% | 3,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8403% | 2,269 |
| Assets per employee ($millions) | 4.8193% | 3,871 |
| Cash dividends to net income (ytd only)* | 52.0708% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 3,320 |
| Loan loss allowance to noncurrent loans | 909.0592% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,652 |
| Noncurrent loans to loans | 0.1237% | 3,478 |
| Net loans and leases to total assets | 54.0897% | 2,962 |
| Net loans and leases to deposits | 60.6500% | 3,170 |
| Net loans and leases to core deposits | 61.0710% | 3,397 |
| Total domestic deposits to total assets | 89.1834% | 1,178 |
| Equity capital to assets | 10.3295% | 2,592 |
| Core capital (leverage) ratio | 10.3773% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,515,500 | 1,998 |
| Average earning assets | $382,467,000 | 1,978 |
| Average equity | $43,202,500 | 1,998 |
| Average total loans | $229,105,250 | 2,092 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3104% | 3,396 |
| Cost of funding earning assets | 0.1098% | 4,511 |
| Net interest margin | 3.2006% | 2,760 |
| Noninterest income to average assets | 1.1338% | 883 |
| Noninterest expense to average assets | 2.6778% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0963% | 2,566 |
| Return on assets (ROA) | 1.0963% | 2,632 |
| Pretax return on assets | 1.4788% | 2,084 |
| Return on Equity (ROE) | 10.0788% | 2,713 |
| Retained earnings to average equity (ytd only) | 4.9627% | 3,198 |
| Net charge-offs to loans | -0.0018% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4231% | 2,373 |
| Assets per employee ($millions) | 4.7868% | 3,853 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,272 |
| Loan loss allowance to noncurrent loans | 778.5075% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,652 |
| Noncurrent loans to loans | 0.1456% | 3,474 |
| Net loans and leases to total assets | 56.5919% | 2,831 |
| Net loans and leases to deposits | 63.8675% | 3,013 |
| Net loans and leases to core deposits | 64.2921% | 3,265 |
| Total domestic deposits to total assets | 88.6082% | 1,498 |
| Equity capital to assets | 10.8029% | 2,149 |
| Core capital (leverage) ratio | 10.5998% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,321,667 | 2,020 |
| Average earning assets | $373,369,667 | 2,004 |
| Average equity | $43,001,000 | 1,994 |
| Average total loans | $228,139,667 | 2,104 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 3,634 |
| Cost of funding earning assets | 0.1149% | 4,551 |
| Net interest margin | 3.1110% | 2,954 |
| Noninterest income to average assets | 1.0543% | 1,049 |
| Noninterest expense to average assets | 2.6739% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9216% | 3,076 |
| Return on assets (ROA) | 0.9216% | 3,151 |
| Pretax return on assets | 1.3104% | 2,541 |
| Return on Equity (ROE) | 8.4427% | 3,200 |
| Retained earnings to average equity (ytd only) | 3.2443% | 3,706 |
| Net charge-offs to loans | -0.0035% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1107% | 2,053 |
| Assets per employee ($millions) | 4.7236% | 3,904 |
| Cash dividends to net income (ytd only)* | 61.5725% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,254 |
| Loan loss allowance to noncurrent loans | 744.8571% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,751 |
| Noncurrent loans to loans | 0.1530% | 3,565 |
| Net loans and leases to total assets | 57.0059% | 2,906 |
| Net loans and leases to deposits | 64.5072% | 3,077 |
| Net loans and leases to core deposits | 64.9426% | 3,324 |
| Total domestic deposits to total assets | 88.3714% | 1,667 |
| Equity capital to assets | 10.7889% | 2,016 |
| Core capital (leverage) ratio | 10.8794% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,935,000 | 2,024 |
| Average earning assets | $369,136,500 | 2,007 |
| Average equity | $42,782,500 | 1,995 |
| Average total loans | $227,129,000 | 2,110 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 3,002 |
| Cost of funding earning assets | 0.1674% | 4,683 |
| Net interest margin | 3.7417% | 1,662 |
| Noninterest income to average assets | 1.2197% | 750 |
| Noninterest expense to average assets | 3.2228% | 1,016 |
| Loan and lease loss provision to assets | 0.0866% | 3,281 |
| Net operating income to assets | 1.1828% | 1,608 |
| Return on assets (ROA) | 1.1828% | 1,719 |
| Pretax return on assets | 1.4337% | 1,557 |
| Return on Equity (ROE) | 9.8084% | 2,073 |
| Retained earnings to average equity (ytd only) | 4.5618% | 2,502 |
| Net charge-offs to loans | -0.0022% | 3,991 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9472% | 2,242 |
| Assets per employee ($millions) | 4.6082% | 3,802 |
| Cash dividends to net income (ytd only)* | 53.4912% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 3,185 |
| Loan loss allowance to noncurrent loans | 713.6986% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,843 |
| Noncurrent loans to loans | 0.1619% | 3,627 |
| Net loans and leases to total assets | 57.5727% | 3,136 |
| Net loans and leases to deposits | 65.2322% | 3,341 |
| Net loans and leases to core deposits | 65.7928% | 3,560 |
| Total domestic deposits to total assets | 88.2580% | 1,347 |
| Equity capital to assets | 11.0458% | 2,214 |
| Core capital (leverage) ratio | 11.2548% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,311,400 | 2,070 |
| Average earning assets | $326,108,200 | 2,047 |
| Average equity | $41,760,000 | 1,956 |
| Average total loans | $231,239,800 | 2,028 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 2,881 |
| Cost of funding earning assets | 0.1781% | 4,732 |
| Net interest margin | 3.8540% | 1,469 |
| Noninterest income to average assets | 1.2630% | 684 |
| Noninterest expense to average assets | 3.2452% | 989 |
| Loan and lease loss provision to assets | 0.1190% | 2,833 |
| Net operating income to assets | 1.2440% | 1,505 |
| Return on assets (ROA) | 1.2440% | 1,619 |
| Pretax return on assets | 1.5292% | 1,381 |
| Return on Equity (ROE) | 10.0726% | 1,993 |
| Retained earnings to average equity (ytd only) | 4.9078% | 2,597 |
| Net charge-offs to loans | -0.0029% | 3,938 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3181% | 2,431 |
| Assets per employee ($millions) | 4.1575% | 4,185 |
| Cash dividends to net income (ytd only)* | 51.2755% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 3,263 |
| Loan loss allowance to noncurrent loans | 1,796.5517% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 4,250 |
| Noncurrent loans to loans | 0.0606% | 4,131 |
| Net loans and leases to total assets | 65.3879% | 2,595 |
| Net loans and leases to deposits | 74.8124% | 2,880 |
| Net loans and leases to core deposits | 75.5031% | 3,209 |
| Total domestic deposits to total assets | 87.4025% | 1,489 |
| Equity capital to assets | 11.7377% | 1,852 |
| Core capital (leverage) ratio | 11.5704% | 1,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,116,750 | 2,093 |
| Average earning assets | $316,615,250 | 2,070 |
| Average equity | $41,510,750 | 1,949 |
| Average total loans | $232,684,000 | 2,021 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,942 |
| Cost of funding earning assets | 0.1868% | 4,795 |
| Net interest margin | 3.9510% | 1,444 |
| Noninterest income to average assets | 1.3370% | 574 |
| Noninterest expense to average assets | 3.3615% | 906 |
| Loan and lease loss provision to assets | 0.1832% | 2,188 |
| Net operating income to assets | 1.2326% | 1,539 |
| Return on assets (ROA) | 1.2326% | 1,660 |
| Pretax return on assets | 1.5245% | 1,401 |
| Return on Equity (ROE) | 9.8020% | 2,046 |
| Retained earnings to average equity (ytd only) | 4.6413% | 2,645 |
| Net charge-offs to loans | -0.0026% | 3,863 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3134% | 2,468 |
| Assets per employee ($millions) | 4.1312% | 4,171 |
| Cash dividends to net income (ytd only)* | 52.6498% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,118 |
| Loan loss allowance to noncurrent loans | 658.9873% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,560 |
| Noncurrent loans to loans | 0.1656% | 3,792 |
| Net loans and leases to total assets | 67.2008% | 2,473 |
| Net loans and leases to deposits | 76.8897% | 2,767 |
| Net loans and leases to core deposits | 77.6410% | 3,137 |
| Total domestic deposits to total assets | 87.3990% | 1,451 |
| Equity capital to assets | 11.9583% | 1,689 |
| Core capital (leverage) ratio | 11.8879% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,587,000 | 2,102 |
| Average earning assets | $309,439,333 | 2,076 |
| Average equity | $41,195,667 | 1,953 |
| Average total loans | $230,539,667 | 2,011 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 2,827 |
| Cost of funding earning assets | 0.1947% | 4,901 |
| Net interest margin | 4.1347% | 1,067 |
| Noninterest income to average assets | 1.0982% | 712 |
| Noninterest expense to average assets | 3.5174% | 911 |
| Loan and lease loss provision to assets | 0.0950% | 2,498 |
| Net operating income to assets | 1.0500% | 2,006 |
| Return on assets (ROA) | 1.0500% | 2,106 |
| Pretax return on assets | 1.3857% | 1,604 |
| Return on Equity (ROE) | 8.1279% | 2,467 |
| Retained earnings to average equity (ytd only) | 2.8629% | 3,135 |
| Net charge-offs to loans | 0.0018% | 2,534 |
| Credit loss provision to net charge-offs | 7,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 1,169.0000% | 46 |
| Efficiency ratio | 70.3751% | 2,297 |
| Assets per employee ($millions) | 3.6004% | 4,388 |
| Cash dividends to net income (ytd only)* | 64.7768% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,436 |
| Loan loss allowance to noncurrent loans | 381.0594% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 2,378 |
| Noncurrent loans to loans | 0.2763% | 3,501 |
| Net loans and leases to total assets | 69.6335% | 2,303 |
| Net loans and leases to deposits | 80.2547% | 2,653 |
| Net loans and leases to core deposits | 81.1298% | 3,099 |
| Total domestic deposits to total assets | 86.7657% | 1,662 |
| Equity capital to assets | 12.8686% | 1,513 |
| Core capital (leverage) ratio | 12.6127% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,803,000 | 2,122 |
| Average earning assets | $297,872,000 | 2,091 |
| Average equity | $40,797,500 | 1,955 |
| Average total loans | $226,518,500 | 2,011 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 3,256 |
| Cost of funding earning assets | 0.1625% | 5,028 |
| Net interest margin | 4.2361% | 1,242 |
| Noninterest income to average assets | 1.1930% | 664 |
| Noninterest expense to average assets | 3.6986% | 765 |
| Loan and lease loss provision to assets | 0.0653% | 2,717 |
| Net operating income to assets | 1.1599% | 2,218 |
| Return on assets (ROA) | 1.1599% | 2,311 |
| Pretax return on assets | 1.4002% | 2,159 |
| Return on Equity (ROE) | 9.2095% | 2,653 |
| Retained earnings to average equity (ytd only) | 3.7597% | 3,098 |
| Net charge-offs to loans | -0.0117% | 4,508 |
| Credit loss provision to net charge-offs | -820.0000% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6216% | 1,924 |
| Assets per employee ($millions) | 3.6182% | 4,355 |
| Cash dividends to net income (ytd only)* | 59.1758% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,432 |
| Loan loss allowance to noncurrent loans | 323.0337% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 1,682 |
| Noncurrent loans to loans | 0.3129% | 3,320 |
| Net loans and leases to total assets | 72.3824% | 2,028 |
| Net loans and leases to deposits | 83.9906% | 2,337 |
| Net loans and leases to core deposits | 84.9402% | 2,875 |
| Total domestic deposits to total assets | 86.1791% | 1,993 |
| Equity capital to assets | 12.9702% | 1,546 |
| Core capital (leverage) ratio | 12.5285% | 1,476 |
| Tier 1 risk-based capital ratio | 16.0214% | 2,400 |
| Total risk-based capital ratio | 17.0089% | 2,420 |
| Memoranda: | ||
| Average total assets | $313,818,200 | 2,080 |
| Average earning assets | $294,185,600 | 2,063 |
| Average equity | $39,524,600 | 1,955 |
| Average total loans | $214,306,400 | 2,064 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 3,515 |
| Cost of funding earning assets | 0.1534% | 5,117 |
| Net interest margin | 4.1960% | 1,386 |
| Noninterest income to average assets | 1.1952% | 643 |
| Noninterest expense to average assets | 3.3850% | 1,124 |
| Loan and lease loss provision to assets | 0.0424% | 3,052 |
| Net operating income to assets | 1.3707% | 1,572 |
| Return on assets (ROA) | 1.3707% | 1,637 |
| Pretax return on assets | 1.6984% | 1,337 |
| Return on Equity (ROE) | 10.9639% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.5176% | 2,619 |
| Net charge-offs to loans | -0.0152% | 4,505 |
| Credit loss provision to net charge-offs | -416.6667% | 4,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0380% | 2,723 |
| Assets per employee ($millions) | 3.5423% | 4,455 |
| Cash dividends to net income (ytd only)* | 49.6752% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,555 |
| Loan loss allowance to noncurrent loans | 689.6226% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 2,723 |
| Noncurrent loans to loans | 0.1454% | 4,019 |
| Net loans and leases to total assets | 68.6879% | 2,675 |
| Net loans and leases to deposits | 79.2832% | 2,975 |
| Net loans and leases to core deposits | 79.8934% | 3,395 |
| Total domestic deposits to total assets | 86.6362% | 1,715 |
| Equity capital to assets | 12.8636% | 1,703 |
| Core capital (leverage) ratio | 12.5040% | 1,566 |
| Tier 1 risk-based capital ratio | 16.7177% | 2,180 |
| Total risk-based capital ratio | 17.7037% | 2,220 |
| Memoranda: | ||
| Average total assets | $314,481,000 | 2,084 |
| Average earning assets | $294,594,000 | 2,070 |
| Average equity | $39,316,000 | 1,972 |
| Average total loans | $211,000,500 | 2,093 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 3,645 |
| Cost of funding earning assets | 0.1417% | 5,176 |
| Net interest margin | 4.1541% | 1,481 |
| Noninterest income to average assets | 1.1769% | 621 |
| Noninterest expense to average assets | 3.3995% | 1,105 |
| Loan and lease loss provision to assets | 0.0414% | 2,986 |
| Net operating income to assets | 1.3144% | 1,721 |
| Return on assets (ROA) | 1.3144% | 1,783 |
| Pretax return on assets | 1.6180% | 1,492 |
| Return on Equity (ROE) | 10.6161% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.1667% | 2,687 |
| Net charge-offs to loans | -0.0192% | 4,531 |
| Credit loss provision to net charge-offs | -325.0000% | 4,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1993% | 2,658 |
| Assets per employee ($millions) | 3.5409% | 4,455 |
| Cash dividends to net income (ytd only)* | 51.3317% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,569 |
| Loan loss allowance to noncurrent loans | 658.7156% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 4,198 |
| Noncurrent loans to loans | 0.1532% | 3,996 |
| Net loans and leases to total assets | 66.3072% | 3,064 |
| Net loans and leases to deposits | 76.1592% | 3,313 |
| Net loans and leases to core deposits | 76.7356% | 3,667 |
| Total domestic deposits to total assets | 87.0639% | 1,570 |
| Equity capital to assets | 12.5078% | 1,852 |
| Core capital (leverage) ratio | 12.1525% | 1,722 |
| Tier 1 risk-based capital ratio | 17.2321% | 2,018 |
| Total risk-based capital ratio | 18.2564% | 2,031 |
| Memoranda: | ||
| Average total assets | $314,220,670 | 2,090 |
| Average earning assets | $293,636,670 | 2,083 |
| Average equity | $38,903,330 | 1,986 |
| Average total loans | $208,420,670 | 2,127 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 3,726 |
| Cost of funding earning assets | 0.1293% | 5,243 |
| Net interest margin | 4.1159% | 1,512 |
| Noninterest income to average assets | 1.0898% | 677 |
| Noninterest expense to average assets | 3.4386% | 1,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2231% | 1,971 |
| Return on assets (ROA) | 1.2231% | 2,017 |
| Pretax return on assets | 1.4885% | 1,808 |
| Return on Equity (ROE) | 9.9310% | 2,403 |
| Retained earnings to average equity (ytd only) | 4.8198% | 2,983 |
| Net charge-offs to loans | -0.0466% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7892% | 2,381 |
| Assets per employee ($millions) | 3.7158% | 4,328 |
| Cash dividends to net income (ytd only)* | 51.4675% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,473.9437% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 4,611 |
| Noncurrent loans to loans | 0.0692% | 4,449 |
| Net loans and leases to total assets | 63.5470% | 3,342 |
| Net loans and leases to deposits | 72.6120% | 3,560 |
| Net loans and leases to core deposits | 73.1561% | 3,855 |
| Total domestic deposits to total assets | 87.5158% | 1,566 |
| Equity capital to assets | 12.1672% | 1,925 |
| Core capital (leverage) ratio | 12.3179% | 1,596 |
| Tier 1 risk-based capital ratio | 16.6509% | 2,212 |
| Total risk-based capital ratio | 17.6362% | 2,251 |
| Memoranda: | ||
| Average total assets | $311,990,000 | 2,115 |
| Average earning assets | $290,875,500 | 2,107 |
| Average equity | $38,425,000 | 1,997 |
| Average total loans | $205,899,500 | 2,170 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 3,805 |
| Cost of funding earning assets | 0.0956% | 5,295 |
| Net interest margin | 3.9832% | 2,047 |
| Noninterest income to average assets | 1.3507% | 500 |
| Noninterest expense to average assets | 3.3104% | 1,299 |
| Loan and lease loss provision to assets | -0.2288% | 5,343 |
| Net operating income to assets | 1.5313% | 1,040 |
| Return on assets (ROA) | 1.5313% | 1,027 |
| Pretax return on assets | 1.9285% | 666 |
| Return on Equity (ROE) | 12.7448% | 1,443 |
| Retained earnings to average equity (ytd only) | 6.8907% | 1,718 |
| Net charge-offs to loans | -0.2438% | 5,288 |
| Credit loss provision to net charge-offs | 149.4647% | 1,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0735% | 2,867 |
| Assets per employee ($millions) | 3.5398% | 4,503 |
| Cash dividends to net income (ytd only)* | 45.9332% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,678 |
| Loan loss allowance to noncurrent loans | 1,407.4830% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,608 |
| Noncurrent loans to loans | 0.0711% | 4,437 |
| Net loans and leases to total assets | 67.1986% | 2,975 |
| Net loans and leases to deposits | 77.1533% | 3,264 |
| Net loans and leases to core deposits | 77.7630% | 3,601 |
| Total domestic deposits to total assets | 87.0976% | 1,740 |
| Equity capital to assets | 12.4724% | 1,589 |
| Core capital (leverage) ratio | 12.3223% | 1,551 |
| Tier 1 risk-based capital ratio | 16.5647% | 2,220 |
| Total risk-based capital ratio | 17.5522% | 2,254 |
| Memoranda: | ||
| Average total assets | $305,100,600 | 2,126 |
| Average earning assets | $280,303,200 | 2,132 |
| Average equity | $36,658,000 | 2,001 |
| Average total loans | $191,560,000 | 2,237 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0046% | 3,917 |
| Cost of funding earning assets | 0.0912% | 5,368 |
| Net interest margin | 3.9134% | 2,245 |
| Noninterest income to average assets | 1.3505% | 519 |
| Noninterest expense to average assets | 3.3006% | 1,300 |
| Loan and lease loss provision to assets | -0.2900% | 5,427 |
| Net operating income to assets | 1.5234% | 1,141 |
| Return on assets (ROA) | 1.5234% | 1,137 |
| Pretax return on assets | 1.9183% | 789 |
| Return on Equity (ROE) | 12.8008% | 1,503 |
| Retained earnings to average equity (ytd only) | 7.3069% | 1,970 |
| Net charge-offs to loans | -0.3025% | 5,360 |
| Credit loss provision to net charge-offs | 155.8685% | 1,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9650% | 2,715 |
| Assets per employee ($millions) | 3.6017% | 4,436 |
| Cash dividends to net income (ytd only)* | 42.9186% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,613 |
| Loan loss allowance to noncurrent loans | 818.2540% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 2,602 |
| Noncurrent loans to loans | 0.1254% | 4,324 |
| Net loans and leases to total assets | 64.9640% | 3,307 |
| Net loans and leases to deposits | 74.6761% | 3,535 |
| Net loans and leases to core deposits | 75.1780% | 3,862 |
| Total domestic deposits to total assets | 86.9943% | 1,735 |
| Equity capital to assets | 12.0833% | 1,845 |
| Core capital (leverage) ratio | 12.1072% | 1,719 |
| Tier 1 risk-based capital ratio | 16.2026% | 2,373 |
| Total risk-based capital ratio | 17.2019% | 2,405 |
| Memoranda: | ||
| Average total assets | $305,270,000 | 2,129 |
| Average earning assets | $279,139,500 | 2,148 |
| Average equity | $36,330,250 | 2,019 |
| Average total loans | $187,790,750 | 2,276 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 4,085 |
| Cost of funding earning assets | 0.0911% | 5,424 |
| Net interest margin | 3.8074% | 2,542 |
| Noninterest income to average assets | 1.4932% | 431 |
| Noninterest expense to average assets | 3.3124% | 1,290 |
| Loan and lease loss provision to assets | -0.3876% | 5,507 |
| Net operating income to assets | 1.6296% | 848 |
| Return on assets (ROA) | 1.6296% | 851 |
| Pretax return on assets | 2.0487% | 544 |
| Return on Equity (ROE) | 13.7636% | 1,141 |
| Retained earnings to average equity (ytd only) | 8.1031% | 1,582 |
| Net charge-offs to loans | -0.3991% | 5,413 |
| Credit loss provision to net charge-offs | 161.4754% | 1,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6007% | 2,878 |
| Assets per employee ($millions) | 3.5303% | 4,552 |
| Cash dividends to net income (ytd only)* | 41.1268% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,361 |
| Loan loss allowance to noncurrent loans | 576.3889% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.7151% | 2,091 |
| Noncurrent loans to loans | 0.1882% | 4,066 |
| Net loans and leases to total assets | 62.3233% | 3,562 |
| Net loans and leases to deposits | 71.1745% | 3,769 |
| Net loans and leases to core deposits | 71.7640% | 4,023 |
| Total domestic deposits to total assets | 87.5642% | 1,606 |
| Equity capital to assets | 12.0504% | 1,824 |
| Core capital (leverage) ratio | 11.8498% | 1,805 |
| Tier 1 risk-based capital ratio | 16.2810% | 2,342 |
| Total risk-based capital ratio | 17.3138% | 2,355 |
| Memoranda: | ||
| Average total assets | $304,979,330 | 2,141 |
| Average earning assets | $278,771,000 | 2,164 |
| Average equity | $36,109,670 | 2,027 |
| Average total loans | $183,406,330 | 2,322 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,183 |
| Cost of funding earning assets | 0.0890% | 5,483 |
| Net interest margin | 3.7213% | 2,722 |
| Noninterest income to average assets | 1.4958% | 430 |
| Noninterest expense to average assets | 3.3475% | 1,256 |
| Loan and lease loss provision to assets | -0.7734% | 5,589 |
| Net operating income to assets | 1.8308% | 529 |
| Return on assets (ROA) | 1.8308% | 531 |
| Pretax return on assets | 2.3136% | 307 |
| Return on Equity (ROE) | 15.6001% | 687 |
| Retained earnings to average equity (ytd only) | 10.9836% | 902 |
| Net charge-offs to loans | -0.8113% | 5,529 |
| Credit loss provision to net charge-offs | 162.3626% | 1,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4873% | 2,752 |
| Assets per employee ($millions) | 3.5433% | 4,617 |
| Cash dividends to net income (ytd only)* | 29.5926% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,087 |
| Loan loss allowance to noncurrent loans | 250.6651% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 1,780 |
| Noncurrent loans to loans | 0.4593% | 3,156 |
| Net loans and leases to total assets | 58.4066% | 3,904 |
| Net loans and leases to deposits | 66.5530% | 4,050 |
| Net loans and leases to core deposits | 67.1007% | 4,252 |
| Total domestic deposits to total assets | 87.7595% | 1,753 |
| Equity capital to assets | 11.8516% | 1,879 |
| Core capital (leverage) ratio | 11.8426% | 1,754 |
| Tier 1 risk-based capital ratio | 17.0803% | 2,094 |
| Total risk-based capital ratio | 18.1757% | 2,089 |
| Memoranda: | ||
| Average total assets | $305,665,500 | 2,159 |
| Average earning assets | $278,610,500 | 2,190 |
| Average equity | $35,871,500 | 2,051 |
| Average total loans | $179,463,000 | 2,368 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,326 |
| Cost of funding earning assets | 0.0920% | 5,524 |
| Net interest margin | 3.6118% | 3,130 |
| Noninterest income to average assets | 1.1174% | 817 |
| Noninterest expense to average assets | 3.3964% | 1,201 |
| Loan and lease loss provision to assets | -0.1834% | 5,567 |
| Net operating income to assets | 0.2138% | 5,082 |
| Return on assets (ROA) | 0.2138% | 5,102 |
| Pretax return on assets | 1.1661% | 2,915 |
| Return on Equity (ROE) | 1.7328% | 5,105 |
| Retained earnings to average equity (ytd only) | -2.9790% | 5,344 |
| Net charge-offs to loans | -0.1303% | 5,432 |
| Credit loss provision to net charge-offs | 243.3628% | 1,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5611% | 1,417 |
| Assets per employee ($millions) | 3.5652% | 4,615 |
| Cash dividends to net income (ytd only)* | 271.9189% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,287 |
| Loan loss allowance to noncurrent loans | 192.7913% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 1,505 |
| Noncurrent loans to loans | 0.6670% | 2,546 |
| Net loans and leases to total assets | 57.5897% | 4,052 |
| Net loans and leases to deposits | 65.4903% | 4,224 |
| Net loans and leases to core deposits | 66.0246% | 4,411 |
| Total domestic deposits to total assets | 87.9363% | 1,539 |
| Equity capital to assets | 11.6202% | 2,104 |
| Core capital (leverage) ratio | 11.2724% | 2,111 |
| Tier 1 risk-based capital ratio | 16.5746% | 2,238 |
| Total risk-based capital ratio | 17.7837% | 2,190 |
| Memoranda: | ||
| Average total assets | $299,814,800 | 2,167 |
| Average earning assets | $270,748,200 | 2,202 |
| Average equity | $36,992,000 | 1,982 |
| Average total loans | $173,473,800 | 2,392 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6870% | 4,360 |
| Cost of funding earning assets | 0.0917% | 5,587 |
| Net interest margin | 3.5952% | 3,170 |
| Noninterest income to average assets | 1.1253% | 799 |
| Noninterest expense to average assets | 3.3691% | 1,204 |
| Loan and lease loss provision to assets | -0.2460% | 5,675 |
| Net operating income to assets | 0.8784% | 3,136 |
| Return on assets (ROA) | 0.8784% | 3,184 |
| Pretax return on assets | 1.2447% | 2,735 |
| Return on Equity (ROE) | 7.0142% | 3,656 |
| Retained earnings to average equity (ytd only) | 2.4035% | 4,448 |
| Net charge-offs to loans | -0.1185% | 5,424 |
| Credit loss provision to net charge-offs | 359.4771% | 844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1350% | 1,445 |
| Assets per employee ($millions) | 3.5659% | 4,631 |
| Cash dividends to net income (ytd only)* | 65.7332% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,660 |
| Loan loss allowance to noncurrent loans | 257.7546% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9551% | 1,783 |
| Noncurrent loans to loans | 0.4837% | 3,235 |
| Net loans and leases to total assets | 57.5187% | 4,107 |
| Net loans and leases to deposits | 65.9689% | 4,255 |
| Net loans and leases to core deposits | 66.4726% | 4,454 |
| Total domestic deposits to total assets | 87.1905% | 1,780 |
| Equity capital to assets | 12.3516% | 1,745 |
| Core capital (leverage) ratio | 11.6105% | 1,943 |
| Tier 1 risk-based capital ratio | 16.8451% | 2,204 |
| Total risk-based capital ratio | 18.0184% | 2,182 |
| Memoranda: | ||
| Average total assets | $298,117,250 | 2,194 |
| Average earning assets | $268,866,750 | 2,231 |
| Average equity | $37,333,000 | 1,969 |
| Average total loans | $172,124,000 | 2,417 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 4,343 |
| Cost of funding earning assets | 0.0912% | 5,629 |
| Net interest margin | 3.5697% | 3,150 |
| Noninterest income to average assets | 1.1644% | 748 |
| Noninterest expense to average assets | 3.4430% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6049% | 4,281 |
| Return on assets (ROA) | 0.6049% | 4,327 |
| Pretax return on assets | 0.9293% | 3,833 |
| Return on Equity (ROE) | 4.8074% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.7119% | 4,569 |
| Net charge-offs to loans | 0.1283% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.5872% | 2,179 |
| Efficiency ratio | 78.7452% | 1,360 |
| Assets per employee ($millions) | 3.5603% | 4,633 |
| Cash dividends to net income (ytd only)* | 64.3897% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,754 |
| Loan loss allowance to noncurrent loans | 290.4157% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 2,166 |
| Noncurrent loans to loans | 0.4998% | 3,254 |
| Net loans and leases to total assets | 56.4241% | 4,180 |
| Net loans and leases to deposits | 64.6625% | 4,326 |
| Net loans and leases to core deposits | 65.1023% | 4,533 |
| Total domestic deposits to total assets | 87.2594% | 1,824 |
| Equity capital to assets | 12.3622% | 1,696 |
| Core capital (leverage) ratio | 11.5517% | 1,934 |
| Tier 1 risk-based capital ratio | 16.7897% | 2,202 |
| Total risk-based capital ratio | 18.0407% | 2,167 |
| Memoranda: | ||
| Average total assets | $295,268,330 | 2,221 |
| Average earning assets | $265,347,670 | 2,265 |
| Average equity | $37,151,330 | 1,973 |
| Average total loans | $169,960,000 | 2,441 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 4,248 |
| Cost of funding earning assets | 0.0902% | 5,688 |
| Net interest margin | 3.5683% | 3,016 |
| Noninterest income to average assets | 1.2840% | 619 |
| Noninterest expense to average assets | 3.4089% | 1,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7243% | 3,599 |
| Return on assets (ROA) | 0.7243% | 3,649 |
| Pretax return on assets | 1.0782% | 3,068 |
| Return on Equity (ROE) | 5.7048% | 4,041 |
| Retained earnings to average equity (ytd only) | 2.9064% | 3,965 |
| Net charge-offs to loans | -0.0452% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9707% | 1,911 |
| Assets per employee ($millions) | 3.4654% | 4,843 |
| Cash dividends to net income (ytd only)* | 49.0530% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,593 |
| Loan loss allowance to noncurrent loans | 398.0422% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 3,117 |
| Noncurrent loans to loans | 0.3839% | 3,727 |
| Net loans and leases to total assets | 57.8194% | 3,993 |
| Net loans and leases to deposits | 66.4615% | 4,132 |
| Net loans and leases to core deposits | 66.8584% | 4,372 |
| Total domestic deposits to total assets | 86.9967% | 2,213 |
| Equity capital to assets | 12.6539% | 1,441 |
| Core capital (leverage) ratio | 11.8881% | 1,699 |
| Tier 1 risk-based capital ratio | 16.9600% | 2,193 |
| Total risk-based capital ratio | 18.2122% | 2,148 |
| Memoranda: | ||
| Average total assets | $291,590,500 | 2,250 |
| Average earning assets | $261,751,000 | 2,307 |
| Average equity | $37,021,500 | 1,984 |
| Average total loans | $168,306,000 | 2,473 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 4,852 |
| Cost of funding earning assets | 0.0968% | 5,719 |
| Net interest margin | 3.3706% | 3,920 |
| Noninterest income to average assets | 1.2528% | 726 |
| Noninterest expense to average assets | 3.5435% | 1,097 |
| Loan and lease loss provision to assets | -0.5106% | 5,877 |
| Net operating income to assets | 2.3589% | 182 |
| Return on assets (ROA) | 2.3678% | 180 |
| Pretax return on assets | 1.2833% | 2,338 |
| Return on Equity (ROE) | 18.1516% | 317 |
| Retained earnings to average equity (ytd only) | 15.4679% | 98 |
| Net charge-offs to loans | -0.1049% | 5,605 |
| Credit loss provision to net charge-offs | 869.8795% | 429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8816% | 1,212 |
| Assets per employee ($millions) | 3.4360% | 4,849 |
| Cash dividends to net income (ytd only)* | 14.7849% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,364 |
| Loan loss allowance to noncurrent loans | 319.4884% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,954 |
| Noncurrent loans to loans | 0.5017% | 3,354 |
| Net loans and leases to total assets | 55.7940% | 4,283 |
| Net loans and leases to deposits | 64.2716% | 4,390 |
| Net loans and leases to core deposits | 64.7682% | 4,591 |
| Total domestic deposits to total assets | 86.8098% | 2,242 |
| Equity capital to assets | 12.7398% | 1,374 |
| Core capital (leverage) ratio | 11.7627% | 1,748 |
| Tier 1 risk-based capital ratio | 17.5671% | 1,985 |
| Total risk-based capital ratio | 18.8201% | 1,943 |
| Memoranda: | ||
| Average total assets | $282,797,000 | 2,268 |
| Average earning assets | $256,276,000 | 2,311 |
| Average equity | $36,889,400 | 1,983 |
| Average total loans | $158,208,800 | 2,540 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4463% | 4,930 |
| Cost of funding earning assets | 0.0986% | 5,776 |
| Net interest margin | 3.3477% | 4,036 |
| Noninterest income to average assets | 1.2175% | 779 |
| Noninterest expense to average assets | 3.5889% | 1,011 |
| Loan and lease loss provision to assets | -0.5450% | 5,949 |
| Net operating income to assets | 2.8667% | 100 |
| Return on assets (ROA) | 2.8785% | 104 |
| Pretax return on assets | 1.2270% | 2,722 |
| Return on Equity (ROE) | 21.9356% | 162 |
| Retained earnings to average equity (ytd only) | 20.1299% | 58 |
| Net charge-offs to loans | -0.1241% | 5,648 |
| Credit loss provision to net charge-offs | 787.6712% | 513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8767% | 1,004 |
| Assets per employee ($millions) | 3.3452% | 4,989 |
| Cash dividends to net income (ytd only)* | 8.2318% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 1,116 |
| Loan loss allowance to noncurrent loans | 279.1908% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 2,877 |
| Noncurrent loans to loans | 0.6245% | 3,138 |
| Net loans and leases to total assets | 57.4383% | 4,145 |
| Net loans and leases to deposits | 66.6018% | 4,293 |
| Net loans and leases to core deposits | 67.2767% | 4,527 |
| Total domestic deposits to total assets | 86.2414% | 2,242 |
| Equity capital to assets | 13.2603% | 1,366 |
| Core capital (leverage) ratio | 11.6797% | 1,906 |
| Tier 1 risk-based capital ratio | 17.5938% | 2,045 |
| Total risk-based capital ratio | 18.8484% | 2,003 |
| Memoranda: | ||
| Average total assets | $281,340,250 | 2,284 |
| Average earning assets | $255,613,000 | 2,324 |
| Average equity | $36,919,250 | 1,994 |
| Average total loans | $156,846,500 | 2,565 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3908% | 5,098 |
| Cost of funding earning assets | 0.1001% | 5,854 |
| Net interest margin | 3.2908% | 4,263 |
| Noninterest income to average assets | 1.2235% | 754 |
| Noninterest expense to average assets | 3.6599% | 934 |
| Loan and lease loss provision to assets | -0.8204% | 6,040 |
| Net operating income to assets | 4.0530% | 54 |
| Return on assets (ROA) | 4.0530% | 52 |
| Pretax return on assets | 1.3869% | 2,073 |
| Return on Equity (ROE) | 30.9952% | 39 |
| Retained earnings to average equity (ytd only) | 28.2672% | 24 |
| Net charge-offs to loans | -0.1041% | 5,640 |
| Credit loss provision to net charge-offs | 1,437.5000% | 273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2086% | 859 |
| Assets per employee ($millions) | 3.3025% | 5,057 |
| Cash dividends to net income (ytd only)* | 8.8013% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 1,134 |
| Loan loss allowance to noncurrent loans | 317.8451% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6559% | 3,038 |
| Noncurrent loans to loans | 0.5576% | 3,395 |
| Net loans and leases to total assets | 55.2616% | 4,386 |
| Net loans and leases to deposits | 64.4010% | 4,466 |
| Net loans and leases to core deposits | 65.0574% | 4,679 |
| Total domestic deposits to total assets | 85.8086% | 2,515 |
| Equity capital to assets | 13.7002% | 1,141 |
| Core capital (leverage) ratio | 12.0308% | 1,605 |
| Tier 1 risk-based capital ratio | 18.6204% | 1,772 |
| Total risk-based capital ratio | 19.8758% | 1,738 |
| Memoranda: | ||
| Average total assets | $280,338,670 | 2,300 |
| Average earning assets | $255,807,000 | 2,335 |
| Average equity | $36,657,330 | 2,010 |
| Average total loans | $153,721,670 | 2,603 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3462% | 5,230 |
| Cost of funding earning assets | 0.1029% | 5,905 |
| Net interest margin | 3.2433% | 4,423 |
| Noninterest income to average assets | 1.3544% | 605 |
| Noninterest expense to average assets | 3.5576% | 1,088 |
| Loan and lease loss provision to assets | -0.2154% | 6,028 |
| Net operating income to assets | 6.9774% | 28 |
| Return on assets (ROA) | 6.9774% | 27 |
| Pretax return on assets | 0.9996% | 3,481 |
| Return on Equity (ROE) | 54.6910% | 16 |
| Retained earnings to average equity (ytd only) | 51.8878% | 9 |
| Net charge-offs to loans | 0.0611% | 1,890 |
| Credit loss provision to net charge-offs | -652.1739% | 4,634 |
| Earnings coverage of net charge-offs (x) | 23.7391% | 1,355 |
| Efficiency ratio | 81.5415% | 1,417 |
| Assets per employee ($millions) | 3.2885% | 5,148 |
| Cash dividends to net income (ytd only)* | 5.1256% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4914% | 391 |
| Loan loss allowance to noncurrent loans | 350.7996% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 2,802 |
| Noncurrent loans to loans | 0.7102% | 3,071 |
| Net loans and leases to total assets | 51.6057% | 4,665 |
| Net loans and leases to deposits | 59.9109% | 4,723 |
| Net loans and leases to core deposits | 60.5213% | 4,904 |
| Total domestic deposits to total assets | 86.1373% | 2,615 |
| Equity capital to assets | 13.4444% | 1,196 |
| Core capital (leverage) ratio | 12.3709% | 1,396 |
| Tier 1 risk-based capital ratio | 19.6876% | 1,572 |
| Total risk-based capital ratio | 20.9510% | 1,536 |
| Memoranda: | ||
| Average total assets | $278,499,000 | 2,324 |
| Average earning assets | $256,529,500 | 2,336 |
| Average equity | $35,530,500 | 2,059 |
| Average total loans | $150,690,000 | 2,637 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4912% | 4,942 |
| Cost of funding earning assets | 0.1148% | 5,903 |
| Net interest margin | 3.3763% | 4,010 |
| Noninterest income to average assets | 1.4906% | 559 |
| Noninterest expense to average assets | 3.8393% | 823 |
| Loan and lease loss provision to assets | -0.6043% | 6,145 |
| Net operating income to assets | 2.1738% | 262 |
| Return on assets (ROA) | 2.1783% | 266 |
| Pretax return on assets | 1.3850% | 1,958 |
| Return on Equity (ROE) | 18.6994% | 336 |
| Retained earnings to average equity (ytd only) | 16.0928% | 111 |
| Net charge-offs to loans | -0.4155% | 6,065 |
| Credit loss provision to net charge-offs | 253.1002% | 1,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7961% | 1,297 |
| Assets per employee ($millions) | 3.1882% | 5,305 |
| Cash dividends to net income (ytd only)* | 13.9397% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5728% | 366 |
| Loan loss allowance to noncurrent loans | 346.6252% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8064% | 2,657 |
| Noncurrent loans to loans | 0.7422% | 2,951 |
| Net loans and leases to total assets | 53.9053% | 4,512 |
| Net loans and leases to deposits | 61.6119% | 4,660 |
| Net loans and leases to core deposits | 62.1691% | 4,867 |
| Total domestic deposits to total assets | 87.4918% | 1,885 |
| Equity capital to assets | 12.0498% | 1,919 |
| Core capital (leverage) ratio | 12.2047% | 1,500 |
| Tier 1 risk-based capital ratio | 19.9464% | 1,492 |
| Total risk-based capital ratio | 21.2120% | 1,464 |
| Memoranda: | ||
| Average total assets | $263,459,600 | 2,393 |
| Average earning assets | $243,843,600 | 2,390 |
| Average equity | $30,690,800 | 2,270 |
| Average total loans | $151,373,600 | 2,578 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 4,963 |
| Cost of funding earning assets | 0.1164% | 5,991 |
| Net interest margin | 3.3914% | 3,999 |
| Noninterest income to average assets | 1.6422% | 475 |
| Noninterest expense to average assets | 3.8980% | 747 |
| Loan and lease loss provision to assets | -0.2986% | 6,157 |
| Net operating income to assets | 2.2660% | 228 |
| Return on assets (ROA) | 2.2721% | 236 |
| Pretax return on assets | 1.1933% | 2,848 |
| Return on Equity (ROE) | 19.6826% | 291 |
| Retained earnings to average equity (ytd only) | 17.0252% | 104 |
| Net charge-offs to loans | -0.1683% | 5,950 |
| Credit loss provision to net charge-offs | 305.7592% | 949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0617% | 1,514 |
| Assets per employee ($millions) | 3.0672% | 5,468 |
| Cash dividends to net income (ytd only)* | 13.5013% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9773% | 249 |
| Loan loss allowance to noncurrent loans | 153.6585% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7985% | 1,192 |
| Noncurrent loans to loans | 1.9376% | 1,200 |
| Net loans and leases to total assets | 55.2611% | 4,433 |
| Net loans and leases to deposits | 63.3881% | 4,608 |
| Net loans and leases to core deposits | 63.8739% | 4,823 |
| Total domestic deposits to total assets | 87.1789% | 1,945 |
| Equity capital to assets | 12.2289% | 1,927 |
| Core capital (leverage) ratio | 12.0108% | 1,667 |
| Tier 1 risk-based capital ratio | 19.5233% | 1,661 |
| Total risk-based capital ratio | 20.7945% | 1,623 |
| Memoranda: | ||
| Average total assets | $260,777,500 | 2,437 |
| Average earning assets | $241,782,500 | 2,421 |
| Average equity | $30,103,750 | 2,328 |
| Average total loans | $151,290,750 | 2,591 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 5,031 |
| Cost of funding earning assets | 0.1188% | 6,051 |
| Net interest margin | 3.3647% | 4,038 |
| Noninterest income to average assets | 1.4697% | 590 |
| Noninterest expense to average assets | 3.8995% | 766 |
| Loan and lease loss provision to assets | -0.1232% | 6,107 |
| Net operating income to assets | 2.4467% | 178 |
| Return on assets (ROA) | 2.4559% | 184 |
| Pretax return on assets | 0.8199% | 4,254 |
| Return on Equity (ROE) | 21.7110% | 204 |
| Retained earnings to average equity (ytd only) | 18.9886% | 85 |
| Net charge-offs to loans | -0.2466% | 6,077 |
| Credit loss provision to net charge-offs | 85.5615% | 2,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0117% | 1,150 |
| Assets per employee ($millions) | 3.1941% | 5,350 |
| Cash dividends to net income (ytd only)* | 12.5392% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1940% | 224 |
| Loan loss allowance to noncurrent loans | 125.6871% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 2.7422% | 649 |
| Noncurrent loans to loans | 2.5412% | 873 |
| Net loans and leases to total assets | 55.9390% | 4,345 |
| Net loans and leases to deposits | 63.6984% | 4,560 |
| Net loans and leases to core deposits | 64.1806% | 4,795 |
| Total domestic deposits to total assets | 87.8184% | 1,746 |
| Equity capital to assets | 11.6652% | 2,277 |
| Core capital (leverage) ratio | 11.7429% | 1,811 |
| Tier 1 risk-based capital ratio | 18.3141% | 1,979 |
| Total risk-based capital ratio | 19.5881% | 1,933 |
| Memoranda: | ||
| Average total assets | $259,777,670 | 2,456 |
| Average earning assets | $240,671,670 | 2,455 |
| Average equity | $29,386,000 | 2,385 |
| Average total loans | $151,641,330 | 2,596 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 5,031 |
| Cost of funding earning assets | 0.1209% | 6,110 |
| Net interest margin | 3.3504% | 4,020 |
| Noninterest income to average assets | 1.5838% | 486 |
| Noninterest expense to average assets | 4.0107% | 684 |
| Loan and lease loss provision to assets | -0.2489% | 6,286 |
| Net operating income to assets | 1.1217% | 1,792 |
| Return on assets (ROA) | 1.1404% | 1,835 |
| Pretax return on assets | 0.9459% | 3,713 |
| Return on Equity (ROE) | 10.2460% | 1,894 |
| Retained earnings to average equity (ytd only) | 8.1493% | 1,513 |
| Net charge-offs to loans | -0.4799% | 6,234 |
| Credit loss provision to net charge-offs | 88.3978% | 1,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5342% | 1,224 |
| Assets per employee ($millions) | 3.1919% | 5,426 |
| Cash dividends to net income (ytd only)* | 20.4638% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2139% | 241 |
| Loan loss allowance to noncurrent loans | 110.7159% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 3.1688% | 564 |
| Noncurrent loans to loans | 2.9029% | 771 |
| Net loans and leases to total assets | 56.2278% | 4,175 |
| Net loans and leases to deposits | 63.6323% | 4,408 |
| Net loans and leases to core deposits | 64.1166% | 4,687 |
| Total domestic deposits to total assets | 88.3636% | 1,620 |
| Equity capital to assets | 11.1103% | 2,851 |
| Core capital (leverage) ratio | 11.1428% | 2,274 |
| Tier 1 risk-based capital ratio | 17.1284% | 2,432 |
| Total risk-based capital ratio | 18.4020% | 2,383 |
| Memoranda: | ||
| Average total assets | $257,109,500 | 2,494 |
| Average earning assets | $238,300,500 | 2,486 |
| Average equity | $28,616,000 | 2,456 |
| Average total loans | $150,864,500 | 2,612 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 4,280 |
| Cost of funding earning assets | 0.1378% | 6,165 |
| Net interest margin | 3.7232% | 2,911 |
| Noninterest income to average assets | 1.4377% | 589 |
| Noninterest expense to average assets | 4.2473% | 581 |
| Loan and lease loss provision to assets | -0.2951% | 6,367 |
| Net operating income to assets | 1.0415% | 2,206 |
| Return on assets (ROA) | 1.0422% | 2,275 |
| Pretax return on assets | 0.9518% | 3,684 |
| Return on Equity (ROE) | 10.1749% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.1749% | 487 |
| Net charge-offs to loans | 1.0140% | 295 |
| Credit loss provision to net charge-offs | -46.5839% | 5,413 |
| Earnings coverage of net charge-offs (x) | 1.0354% | 4,508 |
| Efficiency ratio | 86.2462% | 1,144 |
| Assets per employee ($millions) | 3.0790% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2511% | 228 |
| Loan loss allowance to noncurrent loans | 101.8205% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 3.4466% | 543 |
| Noncurrent loans to loans | 3.1930% | 682 |
| Net loans and leases to total assets | 57.3535% | 4,141 |
| Net loans and leases to deposits | 64.9369% | 4,438 |
| Net loans and leases to core deposits | 65.5388% | 4,702 |
| Total domestic deposits to total assets | 88.3218% | 1,606 |
| Equity capital to assets | 11.1502% | 2,748 |
| Core capital (leverage) ratio | 11.0126% | 2,402 |
| Tier 1 risk-based capital ratio | 17.9148% | 2,166 |
| Total risk-based capital ratio | 19.1913% | 2,123 |
| Memoranda: | ||
| Average total assets | $254,162,200 | 2,487 |
| Average earning assets | $236,567,800 | 2,453 |
| Average equity | $26,034,600 | 2,566 |
| Average total loans | $158,777,400 | 2,443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 4,335 |
| Cost of funding earning assets | 0.1404% | 6,238 |
| Net interest margin | 3.7178% | 2,948 |
| Noninterest income to average assets | 1.6178% | 494 |
| Noninterest expense to average assets | 4.4186% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6667% | 4,118 |
| Return on assets (ROA) | 0.6677% | 4,213 |
| Pretax return on assets | 0.6677% | 4,812 |
| Return on Equity (ROE) | 6.6651% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.6651% | 2,003 |
| Net charge-offs to loans | 0.7807% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.3499% | 4,178 |
| Efficiency ratio | 86.5294% | 1,132 |
| Assets per employee ($millions) | 3.1410% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0219% | 158 |
| Loan loss allowance to noncurrent loans | 102.6299% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 3.5229% | 605 |
| Noncurrent loans to loans | 3.9188% | 554 |
| Net loans and leases to total assets | 58.9337% | 3,945 |
| Net loans and leases to deposits | 66.3190% | 4,296 |
| Net loans and leases to core deposits | 66.9253% | 4,613 |
| Total domestic deposits to total assets | 88.8640% | 1,325 |
| Equity capital to assets | 10.4611% | 3,610 |
| Core capital (leverage) ratio | 10.4220% | 3,134 |
| Tier 1 risk-based capital ratio | 16.5608% | 2,794 |
| Total risk-based capital ratio | 17.8476% | 2,730 |
| Memoranda: | ||
| Average total assets | $254,582,750 | 2,503 |
| Average earning assets | $237,443,250 | 2,466 |
| Average equity | $25,505,250 | 2,624 |
| Average total loans | $161,053,750 | 2,436 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,864 |
| Cost of funding earning assets | 0.1445% | 6,298 |
| Net interest margin | 3.8221% | 2,476 |
| Noninterest income to average assets | 1.8575% | 392 |
| Noninterest expense to average assets | 4.7275% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6818% | 3,931 |
| Return on assets (ROA) | 0.6833% | 4,026 |
| Pretax return on assets | 0.6833% | 4,701 |
| Return on Equity (ROE) | 6.9225% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.9225% | 1,806 |
| Net charge-offs to loans | 0.8865% | 411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.2039% | 3,872 |
| Efficiency ratio | 87.0626% | 1,178 |
| Assets per employee ($millions) | 3.0766% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1263% | 159 |
| Loan loss allowance to noncurrent loans | 97.3074% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 3.7192% | 606 |
| Noncurrent loans to loans | 4.2405% | 545 |
| Net loans and leases to total assets | 59.9088% | 3,730 |
| Net loans and leases to deposits | 67.3432% | 4,131 |
| Net loans and leases to core deposits | 67.9631% | 4,476 |
| Total domestic deposits to total assets | 88.9605% | 1,377 |
| Equity capital to assets | 10.3609% | 3,606 |
| Core capital (leverage) ratio | 10.2484% | 3,270 |
| Tier 1 risk-based capital ratio | 16.1164% | 3,029 |
| Total risk-based capital ratio | 17.4038% | 2,954 |
| Memoranda: | ||
| Average total assets | $254,637,670 | 2,506 |
| Average earning assets | $236,625,000 | 2,473 |
| Average equity | $25,135,330 | 2,647 |
| Average total loans | $162,664,670 | 2,418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,939 |
| Cost of funding earning assets | 0.1518% | 6,346 |
| Net interest margin | 3.5207% | 3,597 |
| Noninterest income to average assets | 1.4495% | 560 |
| Noninterest expense to average assets | 4.3766% | 511 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3362% | 5,369 |
| Return on assets (ROA) | 0.3362% | 5,420 |
| Pretax return on assets | 0.3362% | 5,631 |
| Return on Equity (ROE) | 3.4912% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.4912% | 4,038 |
| Net charge-offs to loans | 0.5376% | 689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9685% | 3,221 |
| Efficiency ratio | 92.8666% | 823 |
| Assets per employee ($millions) | 3.0126% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2447% | 157 |
| Loan loss allowance to noncurrent loans | 51.7856% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 6.4478% | 251 |
| Noncurrent loans to loans | 8.1967% | 152 |
| Net loans and leases to total assets | 61.7018% | 3,285 |
| Net loans and leases to deposits | 68.9425% | 3,748 |
| Net loans and leases to core deposits | 69.5635% | 4,150 |
| Total domestic deposits to total assets | 89.4975% | 1,365 |
| Equity capital to assets | 9.7976% | 4,112 |
| Core capital (leverage) ratio | 9.8311% | 3,816 |
| Tier 1 risk-based capital ratio | 15.2757% | 3,561 |
| Total risk-based capital ratio | 16.5651% | 3,496 |
| Memoranda: | ||
| Average total assets | $255,814,000 | 2,494 |
| Average earning assets | $237,109,000 | 2,475 |
| Average equity | $24,633,500 | 2,677 |
| Average total loans | $165,174,000 | 2,393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 4,146 |
| Cost of funding earning assets | 0.2464% | 5,989 |
| Net interest margin | 3.7357% | 2,919 |
| Noninterest income to average assets | 1.2413% | 906 |
| Noninterest expense to average assets | 4.5564% | 501 |
| Loan and lease loss provision to assets | -0.2857% | 6,668 |
| Net operating income to assets | 0.4083% | 5,119 |
| Return on assets (ROA) | 0.4110% | 5,222 |
| Pretax return on assets | 0.4026% | 5,492 |
| Return on Equity (ROE) | 4.4055% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.4055% | 3,043 |
| Net charge-offs to loans | 1.2085% | 437 |
| Credit loss provision to net charge-offs | -34.3249% | 5,755 |
| Earnings coverage of net charge-offs (x) | 0.1373% | 5,036 |
| Efficiency ratio | 97.5536% | 561 |
| Assets per employee ($millions) | 2.9716% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3703% | 152 |
| Loan loss allowance to noncurrent loans | 49.9068% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 7.0126% | 241 |
| Noncurrent loans to loans | 8.7569% | 156 |
| Net loans and leases to total assets | 61.8718% | 3,385 |
| Net loans and leases to deposits | 68.8040% | 3,937 |
| Net loans and leases to core deposits | 69.4193% | 4,358 |
| Total domestic deposits to total assets | 89.9247% | 1,115 |
| Equity capital to assets | 9.4609% | 4,484 |
| Core capital (leverage) ratio | 9.9742% | 3,611 |
| Tier 1 risk-based capital ratio | 15.0946% | 3,613 |
| Total risk-based capital ratio | 16.3856% | 3,531 |
| Memoranda: | ||
| Average total assets | $262,551,400 | 2,410 |
| Average earning assets | $241,025,200 | 2,415 |
| Average equity | $24,492,200 | 2,681 |
| Average total loans | $180,799,600 | 2,187 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,746 |
| Cost of funding earning assets | 0.2738% | 5,934 |
| Net interest margin | 3.8295% | 2,541 |
| Noninterest income to average assets | 1.3676% | 776 |
| Noninterest expense to average assets | 4.4872% | 526 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2673% | 5,728 |
| Return on assets (ROA) | 0.2648% | 5,838 |
| Pretax return on assets | 0.3839% | 5,672 |
| Return on Equity (ROE) | 2.8488% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.8488% | 4,618 |
| Net charge-offs to loans | 1.2809% | 416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4329% | 4,718 |
| Efficiency ratio | 92.0522% | 850 |
| Assets per employee ($millions) | 2.9095% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9095% | 121 |
| Loan loss allowance to noncurrent loans | 65.7959% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 6.9835% | 295 |
| Noncurrent loans to loans | 7.4617% | 257 |
| Net loans and leases to total assets | 64.9215% | 2,819 |
| Net loans and leases to deposits | 72.4924% | 3,456 |
| Net loans and leases to core deposits | 73.3301% | 3,932 |
| Total domestic deposits to total assets | 89.5563% | 1,258 |
| Equity capital to assets | 9.6751% | 4,330 |
| Core capital (leverage) ratio | 9.6847% | 4,121 |
| Tier 1 risk-based capital ratio | 14.4301% | 4,126 |
| Total risk-based capital ratio | 15.7284% | 4,039 |
| Memoranda: | ||
| Average total assets | $264,300,250 | 2,416 |
| Average earning assets | $242,042,750 | 2,425 |
| Average equity | $24,570,750 | 2,702 |
| Average total loans | $184,663,750 | 2,161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,542 |
| Cost of funding earning assets | 0.3097% | 5,752 |
| Net interest margin | 3.8393% | 2,412 |
| Noninterest income to average assets | 1.5651% | 642 |
| Noninterest expense to average assets | 4.5391% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3740% | 5,316 |
| Return on assets (ROA) | 0.3740% | 5,485 |
| Pretax return on assets | 0.5376% | 5,246 |
| Return on Equity (ROE) | 4.0743% | 5,190 |
| Retained earnings to average equity (ytd only) | 4.0743% | 3,700 |
| Net charge-offs to loans | 0.2451% | 2,255 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.1164% | 3,491 |
| Efficiency ratio | 89.4112% | 1,091 |
| Assets per employee ($millions) | 2.9776% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4420% | 88 |
| Loan loss allowance to noncurrent loans | 74.5476% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 6.8956% | 344 |
| Noncurrent loans to loans | 7.3001% | 313 |
| Net loans and leases to total assets | 67.3713% | 2,356 |
| Net loans and leases to deposits | 74.9466% | 3,023 |
| Net loans and leases to core deposits | 75.9058% | 3,554 |
| Total domestic deposits to total assets | 89.8924% | 1,085 |
| Equity capital to assets | 9.4824% | 4,606 |
| Core capital (leverage) ratio | 9.3468% | 4,477 |
| Tier 1 risk-based capital ratio | 13.8935% | 4,497 |
| Total risk-based capital ratio | 15.2007% | 4,415 |
| Memoranda: | ||
| Average total assets | $268,994,000 | 2,381 |
| Average earning assets | $246,035,670 | 2,388 |
| Average equity | $24,691,330 | 2,699 |
| Average total loans | $189,274,000 | 2,107 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 3,421 |
| Cost of funding earning assets | 0.3899% | 5,205 |
| Net interest margin | 3.7817% | 2,515 |
| Noninterest income to average assets | 1.4812% | 705 |
| Noninterest expense to average assets | 4.2330% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7116% | 3,631 |
| Return on assets (ROA) | 0.7116% | 3,770 |
| Pretax return on assets | 0.6985% | 4,588 |
| Return on Equity (ROE) | 7.8728% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.8728% | 1,794 |
| Net charge-offs to loans | 0.3488% | 1,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.8631% | 2,917 |
| Efficiency ratio | 85.8363% | 1,537 |
| Assets per employee ($millions) | 3.1025% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3197% | 107 |
| Loan loss allowance to noncurrent loans | 83.7917% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 7.2808% | 377 |
| Noncurrent loans to loans | 6.3488% | 509 |
| Net loans and leases to total assets | 66.6593% | 2,253 |
| Net loans and leases to deposits | 74.0593% | 2,914 |
| Net loans and leases to core deposits | 75.3492% | 3,404 |
| Total domestic deposits to total assets | 90.0079% | 1,045 |
| Equity capital to assets | 9.4231% | 4,970 |
| Core capital (leverage) ratio | 9.0351% | 4,828 |
| Tier 1 risk-based capital ratio | 13.0649% | 5,168 |
| Total risk-based capital ratio | 14.3682% | 5,084 |
| Memoranda: | ||
| Average total assets | $275,453,500 | 2,340 |
| Average earning assets | $251,317,000 | 2,358 |
| Average equity | $24,896,000 | 2,716 |
| Average total loans | $192,686,000 | 2,084 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 4,695 |
| Cost of funding earning assets | 0.5350% | 4,952 |
| Net interest margin | 3.6347% | 3,943 |
| Noninterest income to average assets | 1.0525% | 1,397 |
| Noninterest expense to average assets | 4.6287% | 505 |
| Loan and lease loss provision to assets | 0.1215% | 4,095 |
| Net operating income to assets | -0.3546% | 6,484 |
| Return on assets (ROA) | -0.3546% | 6,531 |
| Pretax return on assets | -0.3825% | 6,520 |
| Return on Equity (ROE) | -4.6870% | 6,581 |
| Retained earnings to average equity (ytd only) | -4.6870% | 6,405 |
| Net charge-offs to loans | 1.6152% | 529 |
| Credit loss provision to net charge-offs | 11.0345% | 5,386 |
| Earnings coverage of net charge-offs (x) | -0.2370% | 5,588 |
| Efficiency ratio | 105.9757% | 412 |
| Assets per employee ($millions) | 3.3034% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1442% | 118 |
| Loan loss allowance to noncurrent loans | 68.5720% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 7.8432% | 363 |
| Noncurrent loans to loans | 7.5019% | 406 |
| Net loans and leases to total assets | 65.9508% | 2,534 |
| Net loans and leases to deposits | 73.0027% | 3,247 |
| Net loans and leases to core deposits | 74.2717% | 3,745 |
| Total domestic deposits to total assets | 90.3402% | 777 |
| Equity capital to assets | 8.6767% | 5,869 |
| Core capital (leverage) ratio | 8.1196% | 6,069 |
| Tier 1 risk-based capital ratio | 12.2839% | 5,607 |
| Total risk-based capital ratio | 13.5857% | 5,528 |
| Memoranda: | ||
| Average total assets | $329,123,400 | 1,960 |
| Average earning assets | $300,192,400 | 1,969 |
| Average equity | $24,898,600 | 2,664 |
| Average total loans | $224,429,000 | 1,810 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 4,918 |
| Cost of funding earning assets | 0.5879% | 4,766 |
| Net interest margin | 3.5814% | 4,318 |
| Noninterest income to average assets | 0.9883% | 1,536 |
| Noninterest expense to average assets | 4.5732% | 518 |
| Loan and lease loss provision to assets | 0.1567% | 3,560 |
| Net operating income to assets | -0.4348% | 6,666 |
| Return on assets (ROA) | -0.4348% | 6,706 |
| Pretax return on assets | -0.4795% | 6,696 |
| Return on Equity (ROE) | -5.9291% | 6,751 |
| Retained earnings to average equity (ytd only) | -5.9291% | 6,669 |
| Net charge-offs to loans | 1.4253% | 626 |
| Credit loss provision to net charge-offs | 16.1878% | 5,005 |
| Earnings coverage of net charge-offs (x) | -0.3335% | 5,458 |
| Efficiency ratio | 107.5938% | 348 |
| Assets per employee ($millions) | 3.0268% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5348% | 100 |
| Loan loss allowance to noncurrent loans | 64.2825% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 7.6433% | 421 |
| Noncurrent loans to loans | 8.6101% | 346 |
| Net loans and leases to total assets | 63.1716% | 3,179 |
| Net loans and leases to deposits | 69.3733% | 3,982 |
| Net loans and leases to core deposits | 70.5825% | 4,423 |
| Total domestic deposits to total assets | 91.0604% | 398 |
| Equity capital to assets | 8.0960% | 6,551 |
| Core capital (leverage) ratio | 7.6558% | 6,548 |
| Tier 1 risk-based capital ratio | 12.0960% | 5,891 |
| Total risk-based capital ratio | 13.4040% | 5,824 |
| Memoranda: | ||
| Average total assets | $340,380,500 | 1,917 |
| Average earning assets | $310,035,750 | 1,928 |
| Average equity | $24,960,750 | 2,690 |
| Average total loans | $231,155,250 | 1,778 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1941% | 4,973 |
| Cost of funding earning assets | 0.6673% | 4,302 |
| Net interest margin | 3.5268% | 4,562 |
| Noninterest income to average assets | 0.8371% | 2,018 |
| Noninterest expense to average assets | 4.6684% | 470 |
| Loan and lease loss provision to assets | 0.2273% | 2,799 |
| Net operating income to assets | -0.7922% | 6,856 |
| Return on assets (ROA) | -0.7922% | 6,881 |
| Pretax return on assets | -0.8479% | 6,863 |
| Return on Equity (ROE) | -11.1382% | 6,926 |
| Retained earnings to average equity (ytd only) | -11.1382% | 6,861 |
| Net charge-offs to loans | 1.9170% | 453 |
| Credit loss provision to net charge-offs | 17.3837% | 4,650 |
| Earnings coverage of net charge-offs (x) | -0.4746% | 5,227 |
| Efficiency ratio | 115.3306% | 264 |
| Assets per employee ($millions) | 3.0685% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1225% | 150 |
| Loan loss allowance to noncurrent loans | 57.7803% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 7.4510% | 491 |
| Noncurrent loans to loans | 8.8654% | 354 |
| Net loans and leases to total assets | 64.7892% | 2,879 |
| Net loans and leases to deposits | 72.9758% | 3,461 |
| Net loans and leases to core deposits | 74.2823% | 3,986 |
| Total domestic deposits to total assets | 88.7817% | 1,654 |
| Equity capital to assets | 7.4419% | 6,809 |
| Core capital (leverage) ratio | 7.0853% | 6,797 |
| Tier 1 risk-based capital ratio | 10.8817% | 6,551 |
| Total risk-based capital ratio | 12.1800% | 6,512 |
| Memoranda: | ||
| Average total assets | $351,938,330 | 1,865 |
| Average earning assets | $320,399,670 | 1,867 |
| Average equity | $25,031,000 | 2,664 |
| Average total loans | $240,062,000 | 1,722 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 4,874 |
| Cost of funding earning assets | 0.8013% | 3,465 |
| Net interest margin | 3.4632% | 4,861 |
| Noninterest income to average assets | 0.4135% | 4,571 |
| Noninterest expense to average assets | 3.9237% | 1,031 |
| Loan and lease loss provision to assets | 0.4399% | 1,421 |
| Net operating income to assets | -0.7610% | 6,939 |
| Return on assets (ROA) | -0.7610% | 6,958 |
| Pretax return on assets | -0.8039% | 6,933 |
| Return on Equity (ROE) | -10.9280% | 7,006 |
| Retained earnings to average equity (ytd only) | -10.9280% | 6,865 |
| Net charge-offs to loans | 2.4695% | 339 |
| Credit loss provision to net charge-offs | 26.1267% | 3,690 |
| Earnings coverage of net charge-offs (x) | -0.2162% | 4,443 |
| Efficiency ratio | 110.2255% | 332 |
| Assets per employee ($millions) | 3.1200% | 5,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1124% | 162 |
| Loan loss allowance to noncurrent loans | 60.1413% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 7.7681% | 507 |
| Noncurrent loans to loans | 8.5006% | 429 |
| Net loans and leases to total assets | 63.3938% | 2,970 |
| Net loans and leases to deposits | 75.3543% | 2,915 |
| Net loans and leases to core deposits | 76.7337% | 3,519 |
| Total domestic deposits to total assets | 84.1276% | 4,429 |
| Equity capital to assets | 6.9735% | 6,938 |
| Core capital (leverage) ratio | 6.7633% | 6,916 |
| Tier 1 risk-based capital ratio | 10.4319% | 6,758 |
| Total risk-based capital ratio | 11.7340% | 6,733 |
| Memoranda: | ||
| Average total assets | $363,742,000 | 1,816 |
| Average earning assets | $330,445,000 | 1,830 |
| Average equity | $25,329,500 | 2,637 |
| Average total loans | $247,989,000 | 1,676 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 4,305 |
| Cost of funding earning assets | 1.1056% | 2,632 |
| Net interest margin | 3.5805% | 4,806 |
| Noninterest income to average assets | 0.6209% | 3,058 |
| Noninterest expense to average assets | 4.5564% | 554 |
| Loan and lease loss provision to assets | 3.1815% | 108 |
| Net operating income to assets | -4.6458% | 7,287 |
| Return on assets (ROA) | -4.6228% | 7,290 |
| Pretax return on assets | -3.8371% | 7,261 |
| Return on Equity (ROE) | -52.4652% | 7,211 |
| Retained earnings to average equity (ytd only) | -52.4652% | 7,210 |
| Net charge-offs to loans | 3.0618% | 307 |
| Credit loss provision to net charge-offs | 141.4570% | 2,068 |
| Earnings coverage of net charge-offs (x) | -0.3018% | 6,005 |
| Efficiency ratio | 117.2046% | 330 |
| Assets per employee ($millions) | 2.8580% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2235% | 153 |
| Loan loss allowance to noncurrent loans | 63.1326% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 7.7782% | 538 |
| Noncurrent loans to loans | 8.2738% | 477 |
| Net loans and leases to total assets | 65.8776% | 2,811 |
| Net loans and leases to deposits | 78.2200% | 2,801 |
| Net loans and leases to core deposits | 80.6591% | 3,364 |
| Total domestic deposits to total assets | 84.2209% | 4,226 |
| Equity capital to assets | 6.9539% | 6,976 |
| Core capital (leverage) ratio | 6.6155% | 6,957 |
| Tier 1 risk-based capital ratio | 10.0305% | 6,849 |
| Total risk-based capital ratio | 11.3374% | 6,819 |
| Memoranda: | ||
| Average total assets | $408,302,600 | 1,589 |
| Average earning assets | $371,398,000 | 1,597 |
| Average equity | $35,976,200 | 1,889 |
| Average total loans | $299,923,000 | 1,420 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 4,474 |
| Cost of funding earning assets | 1.2323% | 2,104 |
| Net interest margin | 3.4672% | 5,323 |
| Noninterest income to average assets | 0.9835% | 1,380 |
| Noninterest expense to average assets | 4.0830% | 915 |
| Loan and lease loss provision to assets | 2.5792% | 168 |
| Net operating income to assets | -1.6629% | 7,077 |
| Return on assets (ROA) | -1.6393% | 7,082 |
| Pretax return on assets | -2.4855% | 7,206 |
| Return on Equity (ROE) | -17.7793% | 7,066 |
| Retained earnings to average equity (ytd only) | -17.7793% | 7,049 |
| Net charge-offs to loans | 2.4471% | 449 |
| Credit loss provision to net charge-offs | 141.8054% | 2,244 |
| Earnings coverage of net charge-offs (x) | 0.0319% | 5,576 |
| Efficiency ratio | 98.5988% | 714 |
| Assets per employee ($millions) | 3.0661% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2552% | 326 |
| Loan loss allowance to noncurrent loans | 49.4748% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 8.1443% | 535 |
| Noncurrent loans to loans | 8.6007% | 484 |
| Net loans and leases to total assets | 68.5935% | 2,354 |
| Net loans and leases to deposits | 83.9704% | 2,003 |
| Net loans and leases to core deposits | 86.7338% | 2,684 |
| Total domestic deposits to total assets | 81.6877% | 5,198 |
| Equity capital to assets | 10.0454% | 4,277 |
| Core capital (leverage) ratio | 8.2553% | 6,048 |
| Tier 1 risk-based capital ratio | 11.9210% | 5,949 |
| Total risk-based capital ratio | 13.2092% | 5,905 |
| Memoranda: | ||
| Average total assets | $418,207,250 | 1,566 |
| Average earning assets | $380,858,500 | 1,566 |
| Average equity | $38,560,750 | 1,751 |
| Average total loans | $310,837,250 | 1,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7328% | 4,380 |
| Cost of funding earning assets | 1.2586% | 2,195 |
| Net interest margin | 3.4742% | 5,275 |
| Noninterest income to average assets | 0.9372% | 1,501 |
| Noninterest expense to average assets | 3.7602% | 1,425 |
| Loan and lease loss provision to assets | 1.8932% | 345 |
| Net operating income to assets | -1.0009% | 6,940 |
| Return on assets (ROA) | -0.9668% | 6,939 |
| Pretax return on assets | -1.4841% | 7,060 |
| Return on Equity (ROE) | -10.7804% | 6,961 |
| Retained earnings to average equity (ytd only) | -10.7804% | 6,906 |
| Net charge-offs to loans | 2.0771% | 632 |
| Credit loss provision to net charge-offs | 121.2849% | 2,513 |
| Earnings coverage of net charge-offs (x) | 0.2285% | 5,136 |
| Efficiency ratio | 91.3375% | 1,144 |
| Assets per employee ($millions) | 3.1571% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4295% | 629 |
| Loan loss allowance to noncurrent loans | 37.1770% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 8.2319% | 545 |
| Noncurrent loans to loans | 9.2247% | 446 |
| Net loans and leases to total assets | 70.0461% | 2,208 |
| Net loans and leases to deposits | 86.9346% | 1,656 |
| Net loans and leases to core deposits | 89.7460% | 2,408 |
| Total domestic deposits to total assets | 80.5733% | 5,663 |
| Equity capital to assets | 9.9126% | 4,261 |
| Core capital (leverage) ratio | 8.9093% | 4,864 |
| Tier 1 risk-based capital ratio | 12.4901% | 5,355 |
| Total risk-based capital ratio | 13.7672% | 5,303 |
| Memoranda: | ||
| Average total assets | $426,790,670 | 1,549 |
| Average earning assets | $390,597,000 | 1,543 |
| Average equity | $38,273,000 | 1,753 |
| Average total loans | $320,728,330 | 1,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 3,927 |
| Cost of funding earning assets | 1.3131% | 2,109 |
| Net interest margin | 3.5128% | 4,949 |
| Noninterest income to average assets | 1.0872% | 1,111 |
| Noninterest expense to average assets | 3.7020% | 1,532 |
| Loan and lease loss provision to assets | 1.3844% | 481 |
| Net operating income to assets | -0.4955% | 6,802 |
| Return on assets (ROA) | -0.4919% | 6,807 |
| Pretax return on assets | -0.7642% | 6,896 |
| Return on Equity (ROE) | -5.7761% | 6,851 |
| Retained earnings to average equity (ytd only) | -5.7761% | 6,577 |
| Net charge-offs to loans | 0.4615% | 2,311 |
| Credit loss provision to net charge-offs | 392.6702% | 851 |
| Earnings coverage of net charge-offs (x) | 1.7435% | 3,438 |
| Efficiency ratio | 85.7601% | 1,736 |
| Assets per employee ($millions) | 3.1015% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2964% | 711 |
| Loan loss allowance to noncurrent loans | 44.0786% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 6.8537% | 792 |
| Noncurrent loans to loans | 7.4784% | 698 |
| Net loans and leases to total assets | 72.2723% | 1,665 |
| Net loans and leases to deposits | 88.1239% | 1,451 |
| Net loans and leases to core deposits | 90.9447% | 2,248 |
| Total domestic deposits to total assets | 82.0122% | 5,312 |
| Equity capital to assets | 8.9227% | 5,316 |
| Core capital (leverage) ratio | 8.3016% | 5,808 |
| Tier 1 risk-based capital ratio | 11.1044% | 6,433 |
| Total risk-based capital ratio | 12.3796% | 6,385 |
| Memoranda: | ||
| Average total assets | $433,393,000 | 1,532 |
| Average earning assets | $398,432,000 | 1,526 |
| Average equity | $36,911,000 | 1,803 |
| Average total loans | $331,098,000 | 1,325 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 4,774 |
| Cost of funding earning assets | 1.5591% | 2,306 |
| Net interest margin | 3.3945% | 5,654 |
| Noninterest income to average assets | 0.9658% | 1,624 |
| Noninterest expense to average assets | 3.7566% | 1,575 |
| Loan and lease loss provision to assets | 1.9044% | 712 |
| Net operating income to assets | -0.9152% | 6,636 |
| Return on assets (ROA) | -0.7208% | 6,563 |
| Pretax return on assets | -1.2456% | 6,756 |
| Return on Equity (ROE) | -8.8069% | 6,667 |
| Retained earnings to average equity (ytd only) | -9.1850% | 6,609 |
| Net charge-offs to loans | 1.9984% | 1,011 |
| Credit loss provision to net charge-offs | 124.9290% | 3,289 |
| Earnings coverage of net charge-offs (x) | 0.2330% | 5,873 |
| Efficiency ratio | 84.6474% | 1,842 |
| Assets per employee ($millions) | 3.0899% | 5,899 |
| Cash dividends to net income (ytd only)* | -4.2930% | 7,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8366% | 1,013 |
| Loan loss allowance to noncurrent loans | 40.7184% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 6.5768% | 862 |
| Noncurrent loans to loans | 6.9665% | 811 |
| Net loans and leases to total assets | 75.8494% | 1,304 |
| Net loans and leases to deposits | 91.7993% | 1,282 |
| Net loans and leases to core deposits | 96.3191% | 1,970 |
| Total domestic deposits to total assets | 82.6252% | 4,964 |
| Equity capital to assets | 8.1092% | 6,375 |
| Core capital (leverage) ratio | 7.2415% | 6,885 |
| Tier 1 risk-based capital ratio | 9.6803% | 7,085 |
| Total risk-based capital ratio | 10.8742% | 7,109 |
| Memoranda: | ||
| Average total assets | $462,098,400 | 1,439 |
| Average earning assets | $428,247,000 | 1,415 |
| Average equity | $37,822,600 | 1,740 |
| Average total loans | $352,477,400 | 1,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 4,907 |
| Cost of funding earning assets | 1.5877% | 2,457 |
| Net interest margin | 3.3928% | 5,709 |
| Noninterest income to average assets | 0.9355% | 1,670 |
| Noninterest expense to average assets | 3.3094% | 2,541 |
| Loan and lease loss provision to assets | 0.5652% | 2,678 |
| Net operating income to assets | 0.1632% | 5,608 |
| Return on assets (ROA) | 0.3894% | 4,977 |
| Pretax return on assets | 0.4933% | 4,948 |
| Return on Equity (ROE) | 4.7469% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.2518% | 3,498 |
| Net charge-offs to loans | 0.6701% | 2,753 |
| Credit loss provision to net charge-offs | 111.1732% | 3,805 |
| Earnings coverage of net charge-offs (x) | 1.5190% | 4,585 |
| Efficiency ratio | 81.0813% | 2,190 |
| Assets per employee ($millions) | 3.3911% | 5,226 |
| Cash dividends to net income (ytd only)* | 10.4303% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 1,650 |
| Loan loss allowance to noncurrent loans | 32.2961% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 6.2393% | 934 |
| Noncurrent loans to loans | 7.0721% | 787 |
| Net loans and leases to total assets | 75.5363% | 1,485 |
| Net loans and leases to deposits | 92.0230% | 1,442 |
| Net loans and leases to core deposits | 96.8109% | 2,165 |
| Total domestic deposits to total assets | 82.0842% | 4,958 |
| Equity capital to assets | 8.6246% | 6,127 |
| Core capital (leverage) ratio | 8.0580% | 6,263 |
| Tier 1 risk-based capital ratio | 10.6785% | 6,650 |
| Total risk-based capital ratio | 11.9416% | 6,625 |
| Memoranda: | ||
| Average total assets | $469,477,750 | 1,444 |
| Average earning assets | $435,338,750 | 1,417 |
| Average equity | $38,508,500 | 1,731 |
| Average total loans | $356,174,500 | 1,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 4,913 |
| Cost of funding earning assets | 1.6246% | 2,516 |
| Net interest margin | 3.3823% | 5,707 |
| Noninterest income to average assets | 0.9277% | 1,592 |
| Noninterest expense to average assets | 3.1448% | 3,122 |
| Loan and lease loss provision to assets | 0.7123% | 2,043 |
| Net operating income to assets | 0.1981% | 5,568 |
| Return on assets (ROA) | 0.1981% | 5,699 |
| Pretax return on assets | 0.2006% | 5,768 |
| Return on Equity (ROE) | 2.4555% | 5,479 |
| Retained earnings to average equity (ytd only) | 1.7084% | 5,021 |
| Net charge-offs to loans | 0.7429% | 2,378 |
| Credit loss provision to net charge-offs | 127.1633% | 3,161 |
| Earnings coverage of net charge-offs (x) | 1.6298% | 4,278 |
| Efficiency ratio | 77.5008% | 2,811 |
| Assets per employee ($millions) | 3.5082% | 4,909 |
| Cash dividends to net income (ytd only)* | 30.4255% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3047% | 1,577 |
| Loan loss allowance to noncurrent loans | 34.9266% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 5.7798% | 1,039 |
| Noncurrent loans to loans | 6.5987% | 899 |
| Net loans and leases to total assets | 73.7962% | 1,953 |
| Net loans and leases to deposits | 90.0906% | 1,839 |
| Net loans and leases to core deposits | 96.1013% | 2,427 |
| Total domestic deposits to total assets | 81.9133% | 5,021 |
| Equity capital to assets | 8.2074% | 6,533 |
| Core capital (leverage) ratio | 7.6140% | 6,719 |
| Tier 1 risk-based capital ratio | 10.0984% | 6,975 |
| Total risk-based capital ratio | 11.3612% | 6,935 |
| Memoranda: | ||
| Average total assets | $474,501,000 | 1,438 |
| Average earning assets | $439,114,330 | 1,412 |
| Average equity | $38,281,000 | 1,739 |
| Average total loans | $357,810,670 | 1,280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9504% | 5,236 |
| Cost of funding earning assets | 1.6197% | 2,840 |
| Net interest margin | 3.3307% | 5,856 |
| Noninterest income to average assets | 0.9004% | 1,622 |
| Noninterest expense to average assets | 3.1240% | 3,163 |
| Loan and lease loss provision to assets | 0.1175% | 5,428 |
| Net operating income to assets | 0.5479% | 4,145 |
| Return on assets (ROA) | 0.5479% | 4,278 |
| Pretax return on assets | 0.7460% | 4,075 |
| Return on Equity (ROE) | 6.8502% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.3501% | 2,962 |
| Net charge-offs to loans | 0.1403% | 4,095 |
| Credit loss provision to net charge-offs | 111.1111% | 3,111 |
| Earnings coverage of net charge-offs (x) | 8.1667% | 1,985 |
| Efficiency ratio | 78.3460% | 2,844 |
| Assets per employee ($millions) | 3.6536% | 4,687 |
| Cash dividends to net income (ytd only)* | 21.8989% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1709% | 1,814 |
| Loan loss allowance to noncurrent loans | 45.2535% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 3.7634% | 1,847 |
| Noncurrent loans to loans | 4.7972% | 1,531 |
| Net loans and leases to total assets | 73.2281% | 2,148 |
| Net loans and leases to deposits | 88.5247% | 2,129 |
| Net loans and leases to core deposits | 95.3770% | 2,655 |
| Total domestic deposits to total assets | 82.7204% | 4,745 |
| Equity capital to assets | 7.9736% | 6,686 |
| Core capital (leverage) ratio | 7.5808% | 6,762 |
| Tier 1 risk-based capital ratio | 9.9821% | 7,049 |
| Total risk-based capital ratio | 11.2434% | 7,024 |
| Memoranda: | ||
| Average total assets | $476,700,000 | 1,467 |
| Average earning assets | $441,823,000 | 1,438 |
| Average equity | $38,130,000 | 1,764 |
| Average total loans | $359,165,000 | 1,315 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2350% | 5,486 |
| Cost of funding earning assets | 2.1109% | 2,411 |
| Net interest margin | 3.1241% | 6,296 |
| Noninterest income to average assets | 0.9544% | 1,728 |
| Noninterest expense to average assets | 3.5359% | 2,302 |
| Loan and lease loss provision to assets | 0.9092% | 2,475 |
| Net operating income to assets | -0.3223% | 6,001 |
| Return on assets (ROA) | -0.2236% | 5,865 |
| Pretax return on assets | -0.4525% | 5,965 |
| Return on Equity (ROE) | -2.6084% | 5,935 |
| Retained earnings to average equity (ytd only) | -4.4959% | 5,944 |
| Net charge-offs to loans | 0.2488% | 5,068 |
| Credit loss provision to net charge-offs | 468.1713% | 660 |
| Earnings coverage of net charge-offs (x) | 1.5579% | 4,575 |
| Efficiency ratio | 91.8428% | 1,574 |
| Assets per employee ($millions) | 3.4898% | 5,024 |
| Cash dividends to net income (ytd only)* | -72.3618% | 7,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1893% | 1,669 |
| Loan loss allowance to noncurrent loans | 44.9133% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 3.8192% | 1,743 |
| Noncurrent loans to loans | 4.8745% | 1,401 |
| Net loans and leases to total assets | 74.1861% | 2,226 |
| Net loans and leases to deposits | 89.9791% | 2,222 |
| Net loans and leases to core deposits | 109.9833% | 2,899 |
| Total domestic deposits to total assets | 82.4482% | 4,760 |
| Equity capital to assets | 8.0245% | 6,557 |
| Core capital (leverage) ratio | 7.8074% | 6,444 |
| Tier 1 risk-based capital ratio | 9.8446% | 6,988 |
| Total risk-based capital ratio | 11.1059% | 6,963 |
| Memoranda: | ||
| Average total assets | $444,892,400 | 1,561 |
| Average earning assets | $410,716,400 | 1,544 |
| Average equity | $38,145,600 | 1,755 |
| Average total loans | $347,277,400 | 1,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2781% | 5,533 |
| Cost of funding earning assets | 2.2121% | 2,351 |
| Net interest margin | 3.0661% | 6,415 |
| Noninterest income to average assets | 0.9633% | 1,729 |
| Noninterest expense to average assets | 3.3094% | 2,876 |
| Loan and lease loss provision to assets | 0.7331% | 2,547 |
| Net operating income to assets | -0.0915% | 5,876 |
| Return on assets (ROA) | 0.0103% | 5,745 |
| Pretax return on assets | -0.0916% | 5,835 |
| Return on Equity (ROE) | 0.1186% | 5,738 |
| Retained earnings to average equity (ytd only) | -1.9007% | 5,703 |
| Net charge-offs to loans | 0.2019% | 4,790 |
| Credit loss provision to net charge-offs | 461.6858% | 848 |
| Earnings coverage of net charge-offs (x) | 3.0383% | 3,711 |
| Efficiency ratio | 86.9966% | 1,962 |
| Assets per employee ($millions) | 3.2473% | 5,529 |
| Cash dividends to net income (ytd only)* | 1,703.0223% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 2,168 |
| Loan loss allowance to noncurrent loans | 57.0206% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.6021% | 2,677 |
| Noncurrent loans to loans | 3.2332% | 2,341 |
| Net loans and leases to total assets | 77.0259% | 1,782 |
| Net loans and leases to deposits | 94.9379% | 1,722 |
| Net loans and leases to core deposits | 117.5151% | 2,468 |
| Total domestic deposits to total assets | 81.1330% | 5,022 |
| Equity capital to assets | 8.5546% | 6,179 |
| Core capital (leverage) ratio | 8.2900% | 5,850 |
| Tier 1 risk-based capital ratio | 10.3383% | 6,634 |
| Total risk-based capital ratio | 11.5956% | 6,572 |
| Memoranda: | ||
| Average total assets | $438,335,750 | 1,590 |
| Average earning assets | $404,374,750 | 1,581 |
| Average equity | $38,230,750 | 1,781 |
| Average total loans | $344,764,750 | 1,418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2451% | 5,893 |
| Cost of funding earning assets | 2.3152% | 2,292 |
| Net interest margin | 2.9300% | 6,735 |
| Noninterest income to average assets | 0.9231% | 1,879 |
| Noninterest expense to average assets | 3.3001% | 2,962 |
| Loan and lease loss provision to assets | 0.9148% | 1,847 |
| Net operating income to assets | -0.3137% | 6,337 |
| Return on assets (ROA) | -0.2028% | 6,215 |
| Pretax return on assets | -0.4217% | 6,347 |
| Return on Equity (ROE) | -2.3095% | 6,271 |
| Retained earnings to average equity (ytd only) | -4.5928% | 6,237 |
| Net charge-offs to loans | 0.1739% | 4,493 |
| Credit loss provision to net charge-offs | 668.3502% | 696 |
| Earnings coverage of net charge-offs (x) | 2.3367% | 3,895 |
| Efficiency ratio | 91.1649% | 1,714 |
| Assets per employee ($millions) | 3.1355% | 5,756 |
| Cash dividends to net income (ytd only)* | -98.8636% | 8,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 2,060 |
| Loan loss allowance to noncurrent loans | 52.3530% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.7860% | 2,308 |
| Noncurrent loans to loans | 3.4272% | 2,055 |
| Net loans and leases to total assets | 76.7346% | 2,004 |
| Net loans and leases to deposits | 94.7135% | 1,993 |
| Net loans and leases to core deposits | 120.3678% | 2,339 |
| Total domestic deposits to total assets | 81.0176% | 5,076 |
| Equity capital to assets | 8.3015% | 6,329 |
| Core capital (leverage) ratio | 8.2313% | 5,921 |
| Tier 1 risk-based capital ratio | 10.0829% | 6,842 |
| Total risk-based capital ratio | 11.3379% | 6,762 |
| Memoranda: | ||
| Average total assets | $433,991,000 | 1,629 |
| Average earning assets | $399,455,000 | 1,626 |
| Average equity | $38,103,330 | 1,796 |
| Average total loans | $341,619,000 | 1,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 5,569 |
| Cost of funding earning assets | 2.3252% | 2,597 |
| Net interest margin | 3.0459% | 6,352 |
| Noninterest income to average assets | 0.8852% | 1,908 |
| Noninterest expense to average assets | 3.3666% | 2,451 |
| Loan and lease loss provision to assets | 1.3875% | 923 |
| Net operating income to assets | -0.6302% | 6,990 |
| Return on assets (ROA) | -0.6302% | 7,030 |
| Pretax return on assets | -1.0582% | 7,176 |
| Return on Equity (ROE) | -6.9766% | 7,144 |
| Retained earnings to average equity (ytd only) | -10.0172% | 7,113 |
| Net charge-offs to loans | 0.1488% | 3,769 |
| Credit loss provision to net charge-offs | 1,180.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 3,378 |
| Efficiency ratio | 91.0919% | 1,646 |
| Assets per employee ($millions) | 3.1810% | 5,648 |
| Cash dividends to net income (ytd only)* | -43.5821% | 8,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 2,013 |
| Loan loss allowance to noncurrent loans | 62.7435% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1514% | 2,669 |
| Noncurrent loans to loans | 2.7710% | 2,370 |
| Net loans and leases to total assets | 74.9712% | 2,510 |
| Net loans and leases to deposits | 92.4151% | 2,529 |
| Net loans and leases to core deposits | 115.3750% | 2,865 |
| Total domestic deposits to total assets | 81.1244% | 4,912 |
| Equity capital to assets | 8.4246% | 6,194 |
| Core capital (leverage) ratio | 8.4909% | 5,558 |
| Tier 1 risk-based capital ratio | 10.1840% | 6,732 |
| Total risk-based capital ratio | 11.4391% | 6,639 |
| Memoranda: | ||
| Average total assets | $425,233,000 | 1,679 |
| Average earning assets | $392,395,500 | 1,669 |
| Average equity | $38,414,000 | 1,767 |
| Average total loans | $336,032,500 | 1,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3893% | 3,471 |
| Cost of funding earning assets | 2.5888% | 3,734 |
| Net interest margin | 3.8006% | 4,013 |
| Noninterest income to average assets | 1.0821% | 1,345 |
| Noninterest expense to average assets | 3.4630% | 2,489 |
| Loan and lease loss provision to assets | 0.6118% | 2,381 |
| Net operating income to assets | 0.4438% | 4,976 |
| Return on assets (ROA) | 0.5251% | 4,487 |
| Pretax return on assets | 0.6714% | 4,477 |
| Return on Equity (ROE) | 4.9715% | 4,406 |
| Retained earnings to average equity (ytd only) | 1.9533% | 4,018 |
| Net charge-offs to loans | 0.2226% | 4,004 |
| Credit loss provision to net charge-offs | 347.8939% | 1,297 |
| Earnings coverage of net charge-offs (x) | 6.7036% | 3,294 |
| Efficiency ratio | 74.6025% | 3,477 |
| Assets per employee ($millions) | 2.9321% | 6,216 |
| Cash dividends to net income (ytd only)* | 60.7106% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 3,100 |
| Loan loss allowance to noncurrent loans | 232.6817% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 5,700 |
| Noncurrent loans to loans | 0.6093% | 5,545 |
| Net loans and leases to total assets | 80.9463% | 1,452 |
| Net loans and leases to deposits | 104.8486% | 1,256 |
| Net loans and leases to core deposits | 134.7084% | 1,553 |
| Total domestic deposits to total assets | 77.2030% | 5,941 |
| Equity capital to assets | 9.7235% | 4,396 |
| Core capital (leverage) ratio | 9.9456% | 3,502 |
| Tier 1 risk-based capital ratio | 11.6499% | 5,098 |
| Total risk-based capital ratio | 12.9015% | 4,991 |
| Memoranda: | ||
| Average total assets | $364,476,800 | 1,837 |
| Average earning assets | $341,396,800 | 1,804 |
| Average equity | $38,499,800 | 1,755 |
| Average total loans | $288,012,000 | 1,680 |