Home > Cottonport Bank > Performance and Condition Ratios
Cottonport Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 2,344 |
| Cost of funding earning assets | 0.8112% | 3,704 |
| Net interest margin | 4.0586% | 1,119 |
| Noninterest income to average assets | 1.9200% | 281 |
| Noninterest expense to average assets | 3.0734% | 1,000 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 2.0127% | 457 |
| Return on assets (ROA) | 2.0127% | 438 |
| Pretax return on assets | 2.5345% | 326 |
| Return on Equity (ROE) | 17.3200% | 911 |
| Retained earnings to average equity (ytd only) | 7.1689% | 1,846 |
| Net charge-offs to loans | -0.0864% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.5139% | 3,708 |
| Assets per employee ($millions) | 3.6540% | 4,254 |
| Cash dividends to net income (ytd only)* | 58.6093% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 614 |
| Loan loss allowance to noncurrent loans | 199.3898% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 1,003 |
| Noncurrent loans to loans | 0.8692% | 877 |
| Net loans and leases to total assets | 60.9900% | 2,754 |
| Net loans and leases to deposits | 69.2168% | 2,934 |
| Net loans and leases to core deposits | 74.3168% | 3,060 |
| Total domestic deposits to total assets | 88.1200% | 1,305 |
| Equity capital to assets | 11.6318% | 1,241 |
| Core capital (leverage) ratio | 13.3454% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $468,018,000 | 1,801 |
| Average earning assets | $440,841,800 | 1,773 |
| Average equity | $54,387,800 | 1,505 |
| Average total loans | $303,202,400 | 1,780 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 2,469 |
| Cost of funding earning assets | 0.6755% | 3,818 |
| Net interest margin | 4.0267% | 1,180 |
| Noninterest income to average assets | 2.2500% | 255 |
| Noninterest expense to average assets | 3.0913% | 943 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 2.1961% | 377 |
| Return on assets (ROA) | 2.1961% | 371 |
| Pretax return on assets | 2.7668% | 290 |
| Return on Equity (ROE) | 18.9000% | 832 |
| Retained earnings to average equity (ytd only) | 17.6130% | 357 |
| Net charge-offs to loans | -0.1116% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1786% | 3,818 |
| Assets per employee ($millions) | 3.5891% | 4,299 |
| Cash dividends to net income (ytd only)* | 6.8238% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 695 |
| Loan loss allowance to noncurrent loans | 125.9590% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 607 |
| Noncurrent loans to loans | 1.3511% | 561 |
| Net loans and leases to total assets | 63.6500% | 2,487 |
| Net loans and leases to deposits | 72.8368% | 2,659 |
| Net loans and leases to core deposits | 78.4590% | 2,722 |
| Total domestic deposits to total assets | 87.3900% | 1,769 |
| Equity capital to assets | 12.0921% | 1,020 |
| Core capital (leverage) ratio | 14.5519% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $463,528,000 | 1,816 |
| Average earning assets | $436,042,250 | 1,787 |
| Average equity | $53,852,750 | 1,507 |
| Average total loans | $303,591,750 | 1,782 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 2,434 |
| Cost of funding earning assets | 0.5139% | 3,954 |
| Net interest margin | 4.0745% | 1,120 |
| Noninterest income to average assets | 0.8500% | 770 |
| Noninterest expense to average assets | 2.8936% | 1,224 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3914% | 1,356 |
| Return on assets (ROA) | 1.3914% | 1,332 |
| Pretax return on assets | 1.7539% | 1,103 |
| Return on Equity (ROE) | 12.1500% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.1692% | 1,362 |
| Net charge-offs to loans | -0.2519% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.8278% | 2,734 |
| Assets per employee ($millions) | 3.3420% | 4,377 |
| Cash dividends to net income (ytd only)* | 16.2762% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 1,018 |
| Loan loss allowance to noncurrent loans | 139.3366% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 654 |
| Noncurrent loans to loans | 1.1190% | 634 |
| Net loans and leases to total assets | 66.5200% | 2,101 |
| Net loans and leases to deposits | 75.6134% | 2,350 |
| Net loans and leases to core deposits | 79.5997% | 2,499 |
| Total domestic deposits to total assets | 87.9800% | 1,607 |
| Equity capital to assets | 11.8795% | 1,082 |
| Core capital (leverage) ratio | 13.7971% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $460,118,333 | 1,828 |
| Average earning assets | $432,351,667 | 1,801 |
| Average equity | $52,708,000 | 1,530 |
| Average total loans | $302,529,333 | 1,772 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,288 |
| Cost of funding earning assets | 0.3238% | 4,133 |
| Net interest margin | 4.1888% | 965 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.8402% | 1,350 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.4015% | 1,403 |
| Return on assets (ROA) | 1.4015% | 1,382 |
| Pretax return on assets | 1.7454% | 1,181 |
| Return on Equity (ROE) | 12.4600% | 2,103 |
| Retained earnings to average equity (ytd only) | 8.4587% | 2,090 |
| Net charge-offs to loans | 0.0386% | 975 |
| Credit loss provision to net charge-offs | 258.6207% | 738 |
| Earnings coverage of net charge-offs (x) | 72.2414% | 939 |
| Efficiency ratio | 61.0740% | 2,813 |
| Assets per employee ($millions) | 3.4314% | 4,427 |
| Cash dividends to net income (ytd only)* | 32.1208% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 1,335 |
| Loan loss allowance to noncurrent loans | 329.0759% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 1,624 |
| Noncurrent loans to loans | 0.4501% | 1,594 |
| Net loans and leases to total assets | 62.8900% | 2,370 |
| Net loans and leases to deposits | 71.2232% | 2,528 |
| Net loans and leases to core deposits | 73.9207% | 2,680 |
| Total domestic deposits to total assets | 88.3000% | 1,817 |
| Equity capital to assets | 11.4376% | 1,173 |
| Core capital (leverage) ratio | 13.3962% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $462,920,500 | 1,842 |
| Average earning assets | $434,878,000 | 1,820 |
| Average equity | $52,065,000 | 1,566 |
| Average total loans | $300,218,500 | 1,790 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 1,891 |
| Cost of funding earning assets | 0.1623% | 4,046 |
| Net interest margin | 3.7749% | 1,214 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 2.8899% | 1,140 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1719% | 1,887 |
| Return on assets (ROA) | 1.1719% | 1,824 |
| Pretax return on assets | 1.4554% | 1,595 |
| Return on Equity (ROE) | 10.7600% | 2,561 |
| Retained earnings to average equity (ytd only) | 9.7364% | 1,231 |
| Net charge-offs to loans | -0.0900% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.5419% | 2,286 |
| Assets per employee ($millions) | 3.4015% | 4,467 |
| Cash dividends to net income (ytd only)* | 9.4762% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 1,996 |
| Loan loss allowance to noncurrent loans | 310.5179% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 1,681 |
| Noncurrent loans to loans | 0.4119% | 1,692 |
| Net loans and leases to total assets | 65.0300% | 2,138 |
| Net loans and leases to deposits | 73.1978% | 2,318 |
| Net loans and leases to core deposits | 75.1947% | 2,486 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 11.0563% | 1,233 |
| Core capital (leverage) ratio | 12.7041% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $469,143,800 | 1,803 |
| Average earning assets | $441,289,000 | 1,784 |
| Average equity | $51,117,400 | 1,593 |
| Average total loans | $292,273,600 | 1,757 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 1,851 |
| Cost of funding earning assets | 0.1598% | 3,729 |
| Net interest margin | 3.6051% | 1,378 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.8681% | 1,109 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0969% | 2,118 |
| Return on assets (ROA) | 1.0969% | 2,081 |
| Pretax return on assets | 1.3600% | 1,850 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 10.1034% | 1,315 |
| Net charge-offs to loans | -0.1374% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8272% | 2,179 |
| Assets per employee ($millions) | 3.9630% | 4,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 2,130 |
| Loan loss allowance to noncurrent loans | 323.3026% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 1,876 |
| Noncurrent loans to loans | 0.3959% | 1,823 |
| Net loans and leases to total assets | 61.5400% | 2,346 |
| Net loans and leases to deposits | 68.5881% | 2,490 |
| Net loans and leases to core deposits | 70.6897% | 2,589 |
| Total domestic deposits to total assets | 89.7200% | 1,777 |
| Equity capital to assets | 10.0647% | 1,583 |
| Core capital (leverage) ratio | 12.3317% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $470,778,750 | 1,809 |
| Average earning assets | $443,066,750 | 1,788 |
| Average equity | $51,110,000 | 1,618 |
| Average total loans | $289,164,000 | 1,769 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 1,841 |
| Cost of funding earning assets | 0.1630% | 3,401 |
| Net interest margin | 3.4393% | 1,482 |
| Noninterest income to average assets | 0.9050% | 838 |
| Noninterest expense to average assets | 2.8152% | 1,148 |
| Loan and lease loss provision to assets | 0.0643% | 1,451 |
| Net operating income to assets | 1.0254% | 2,069 |
| Return on assets (ROA) | 1.0254% | 2,036 |
| Pretax return on assets | 1.2629% | 1,859 |
| Return on Equity (ROE) | 9.2131% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.2131% | 1,225 |
| Net charge-offs to loans | -0.1494% | 4,530 |
| Credit loss provision to net charge-offs | -70.4225% | 3,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9603% | 2,251 |
| Assets per employee ($millions) | 3.6192% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,428 |
| Loan loss allowance to noncurrent loans | 280.9271% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 1,731 |
| Noncurrent loans to loans | 0.4446% | 1,788 |
| Net loans and leases to total assets | 62.6095% | 2,053 |
| Net loans and leases to deposits | 70.3063% | 2,175 |
| Net loans and leases to core deposits | 72.8643% | 2,250 |
| Total domestic deposits to total assets | 89.0525% | 2,162 |
| Equity capital to assets | 10.7631% | 1,330 |
| Core capital (leverage) ratio | 12.1995% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,543,667 | 1,827 |
| Average earning assets | $439,157,667 | 1,814 |
| Average equity | $51,926,333 | 1,634 |
| Average total loans | $285,095,000 | 1,777 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4744% | 1,888 |
| Cost of funding earning assets | 0.1638% | 3,312 |
| Net interest margin | 3.3106% | 1,542 |
| Noninterest income to average assets | 0.8242% | 982 |
| Noninterest expense to average assets | 2.7197% | 1,313 |
| Loan and lease loss provision to assets | 0.0643% | 1,264 |
| Net operating income to assets | 0.9400% | 2,110 |
| Return on assets (ROA) | 0.9400% | 2,104 |
| Pretax return on assets | 1.1613% | 1,947 |
| Return on Equity (ROE) | 8.3086% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.3086% | 1,484 |
| Net charge-offs to loans | -0.0315% | 4,103 |
| Credit loss provision to net charge-offs | -340.9091% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9348% | 2,380 |
| Assets per employee ($millions) | 3.1049% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,809 |
| Loan loss allowance to noncurrent loans | 290.7627% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,074 |
| Noncurrent loans to loans | 0.4160% | 2,001 |
| Net loans and leases to total assets | 60.1738% | 2,046 |
| Net loans and leases to deposits | 67.7056% | 2,185 |
| Net loans and leases to core deposits | 70.4274% | 2,256 |
| Total domestic deposits to total assets | 88.8757% | 2,129 |
| Equity capital to assets | 10.9458% | 1,354 |
| Core capital (leverage) ratio | 11.9972% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,379,500 | 1,836 |
| Average earning assets | $439,672,000 | 1,824 |
| Average equity | $52,764,500 | 1,654 |
| Average total loans | $279,641,000 | 1,794 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5697% | 2,466 |
| Cost of funding earning assets | 0.1860% | 3,588 |
| Net interest margin | 3.3837% | 2,083 |
| Noninterest income to average assets | 1.1641% | 780 |
| Noninterest expense to average assets | 2.7412% | 1,510 |
| Loan and lease loss provision to assets | 0.0650% | 1,760 |
| Net operating income to assets | 1.2478% | 1,748 |
| Return on assets (ROA) | 1.2478% | 1,809 |
| Pretax return on assets | 1.5567% | 1,551 |
| Return on Equity (ROE) | 10.9692% | 2,177 |
| Retained earnings to average equity (ytd only) | 9.9859% | 921 |
| Net charge-offs to loans | 0.1554% | 620 |
| Credit loss provision to net charge-offs | 73.3496% | 1,993 |
| Earnings coverage of net charge-offs (x) | 18.2910% | 1,912 |
| Efficiency ratio | 62.8292% | 2,746 |
| Assets per employee ($millions) | 3.1344% | 4,667 |
| Cash dividends to net income (ytd only)* | 8.9646% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,842 |
| Loan loss allowance to noncurrent loans | 324.0039% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 2,459 |
| Noncurrent loans to loans | 0.3734% | 2,247 |
| Net loans and leases to total assets | 58.2981% | 2,345 |
| Net loans and leases to deposits | 66.0854% | 2,504 |
| Net loans and leases to core deposits | 68.9269% | 2,559 |
| Total domestic deposits to total assets | 88.2164% | 1,927 |
| Equity capital to assets | 11.6804% | 1,405 |
| Core capital (leverage) ratio | 11.3657% | 1,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,288,000 | 1,809 |
| Average earning assets | $436,089,400 | 1,786 |
| Average equity | $52,474,000 | 1,689 |
| Average total loans | $263,134,000 | 1,863 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 2,705 |
| Cost of funding earning assets | 0.1899% | 3,716 |
| Net interest margin | 3.3548% | 2,284 |
| Noninterest income to average assets | 1.2992% | 696 |
| Noninterest expense to average assets | 2.7089% | 1,566 |
| Loan and lease loss provision to assets | 0.0652% | 1,694 |
| Net operating income to assets | 1.3581% | 1,660 |
| Return on assets (ROA) | 1.3581% | 1,718 |
| Pretax return on assets | 1.6961% | 1,413 |
| Return on Equity (ROE) | 12.0204% | 2,039 |
| Retained earnings to average equity (ytd only) | 12.0204% | 833 |
| Net charge-offs to loans | -0.0533% | 4,388 |
| Credit loss provision to net charge-offs | -216.3462% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5980% | 2,898 |
| Assets per employee ($millions) | 3.1428% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 2,043 |
| Loan loss allowance to noncurrent loans | 284.0361% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 2,362 |
| Noncurrent loans to loans | 0.4912% | 2,078 |
| Net loans and leases to total assets | 55.8013% | 2,750 |
| Net loans and leases to deposits | 63.3146% | 2,923 |
| Net loans and leases to core deposits | 66.1000% | 2,942 |
| Total domestic deposits to total assets | 88.1334% | 1,758 |
| Equity capital to assets | 11.4243% | 1,723 |
| Core capital (leverage) ratio | 11.6307% | 1,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,855,000 | 1,829 |
| Average earning assets | $434,668,750 | 1,809 |
| Average equity | $51,955,000 | 1,725 |
| Average total loans | $260,018,000 | 1,910 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4584% | 3,010 |
| Cost of funding earning assets | 0.1965% | 3,789 |
| Net interest margin | 3.2619% | 2,575 |
| Noninterest income to average assets | 0.7728% | 1,607 |
| Noninterest expense to average assets | 2.7076% | 1,571 |
| Loan and lease loss provision to assets | 0.0661% | 1,724 |
| Net operating income to assets | 0.8724% | 3,294 |
| Return on assets (ROA) | 0.8724% | 3,369 |
| Pretax return on assets | 1.0852% | 3,264 |
| Return on Equity (ROE) | 7.7522% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.7522% | 2,168 |
| Net charge-offs to loans | 0.0507% | 1,117 |
| Credit loss provision to net charge-offs | 230.7692% | 990 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 1,163 |
| Efficiency ratio | 70.1644% | 1,615 |
| Assets per employee ($millions) | 3.1933% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,398 |
| Loan loss allowance to noncurrent loans | 256.0232% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 2,330 |
| Noncurrent loans to loans | 0.5105% | 2,147 |
| Net loans and leases to total assets | 55.6156% | 2,948 |
| Net loans and leases to deposits | 62.6515% | 3,136 |
| Net loans and leases to core deposits | 65.3160% | 3,174 |
| Total domestic deposits to total assets | 88.7697% | 1,405 |
| Equity capital to assets | 10.8280% | 2,125 |
| Core capital (leverage) ratio | 11.2393% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,906,000 | 1,842 |
| Average earning assets | $429,442,333 | 1,818 |
| Average equity | $51,082,000 | 1,740 |
| Average total loans | $256,578,667 | 1,931 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 3,191 |
| Cost of funding earning assets | 0.2176% | 3,747 |
| Net interest margin | 3.1840% | 2,748 |
| Noninterest income to average assets | 0.7794% | 1,639 |
| Noninterest expense to average assets | 2.7343% | 1,533 |
| Loan and lease loss provision to assets | 0.0680% | 1,795 |
| Net operating income to assets | 0.7939% | 3,443 |
| Return on assets (ROA) | 0.7939% | 3,511 |
| Pretax return on assets | 0.9870% | 3,413 |
| Return on Equity (ROE) | 6.9126% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.9126% | 2,600 |
| Net charge-offs to loans | -0.0480% | 4,376 |
| Credit loss provision to net charge-offs | -250.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1598% | 1,477 |
| Assets per employee ($millions) | 2.9382% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,989 |
| Loan loss allowance to noncurrent loans | 96.6757% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 1,071 |
| Noncurrent loans to loans | 1.4413% | 876 |
| Net loans and leases to total assets | 54.7811% | 3,161 |
| Net loans and leases to deposits | 61.7585% | 3,346 |
| Net loans and leases to core deposits | 64.4821% | 3,368 |
| Total domestic deposits to total assets | 88.7022% | 1,501 |
| Equity capital to assets | 11.1200% | 1,771 |
| Core capital (leverage) ratio | 11.7283% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,359,500 | 1,867 |
| Average earning assets | $417,205,500 | 1,843 |
| Average equity | $50,690,000 | 1,742 |
| Average total loans | $249,905,000 | 1,964 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 1,976 |
| Cost of funding earning assets | 0.4690% | 3,159 |
| Net interest margin | 3.7925% | 1,519 |
| Noninterest income to average assets | 0.9726% | 1,101 |
| Noninterest expense to average assets | 3.1628% | 1,122 |
| Loan and lease loss provision to assets | 0.2361% | 1,647 |
| Net operating income to assets | 0.8977% | 2,710 |
| Return on assets (ROA) | 1.0086% | 2,403 |
| Pretax return on assets | 1.2566% | 2,133 |
| Return on Equity (ROE) | 8.4203% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.4203% | 933 |
| Net charge-offs to loans | 0.1710% | 970 |
| Credit loss provision to net charge-offs | 223.5294% | 2,052 |
| Earnings coverage of net charge-offs (x) | 12.8212% | 2,312 |
| Efficiency ratio | 69.6815% | 1,991 |
| Assets per employee ($millions) | 2.8291% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,955 |
| Loan loss allowance to noncurrent loans | 114.4995% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 1,378 |
| Noncurrent loans to loans | 1.2265% | 1,139 |
| Net loans and leases to total assets | 56.9622% | 3,206 |
| Net loans and leases to deposits | 64.7834% | 3,380 |
| Net loans and leases to core deposits | 67.8593% | 3,423 |
| Total domestic deposits to total assets | 87.9271% | 1,509 |
| Equity capital to assets | 11.8792% | 1,633 |
| Core capital (leverage) ratio | 11.7832% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,432,000 | 1,854 |
| Average earning assets | $376,088,400 | 1,849 |
| Average equity | $48,204,800 | 1,749 |
| Average total loans | $248,466,400 | 1,929 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 1,922 |
| Cost of funding earning assets | 0.5352% | 3,022 |
| Net interest margin | 3.8362% | 1,515 |
| Noninterest income to average assets | 1.0093% | 1,007 |
| Noninterest expense to average assets | 3.2245% | 1,033 |
| Loan and lease loss provision to assets | 0.3192% | 1,241 |
| Net operating income to assets | 0.8325% | 2,972 |
| Return on assets (ROA) | 0.9825% | 2,537 |
| Pretax return on assets | 1.2209% | 2,322 |
| Return on Equity (ROE) | 8.1839% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.1839% | 1,245 |
| Net charge-offs to loans | 0.1460% | 1,002 |
| Credit loss provision to net charge-offs | 347.9853% | 1,616 |
| Earnings coverage of net charge-offs (x) | 14.7509% | 2,134 |
| Efficiency ratio | 70.1035% | 1,873 |
| Assets per employee ($millions) | 2.6716% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,818 |
| Loan loss allowance to noncurrent loans | 119.6803% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 1,501 |
| Noncurrent loans to loans | 1.1535% | 1,314 |
| Net loans and leases to total assets | 62.4013% | 2,956 |
| Net loans and leases to deposits | 71.2643% | 3,198 |
| Net loans and leases to core deposits | 75.1154% | 3,231 |
| Total domestic deposits to total assets | 87.5632% | 1,413 |
| Equity capital to assets | 11.9534% | 1,706 |
| Core capital (leverage) ratio | 11.8595% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,949,000 | 1,853 |
| Average earning assets | $369,170,750 | 1,845 |
| Average equity | $47,653,250 | 1,752 |
| Average total loans | $249,290,500 | 1,924 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,151 |
| Cost of funding earning assets | 0.6089% | 2,923 |
| Net interest margin | 3.8129% | 1,802 |
| Noninterest income to average assets | 0.9946% | 997 |
| Noninterest expense to average assets | 3.2714% | 1,040 |
| Loan and lease loss provision to assets | 0.4335% | 897 |
| Net operating income to assets | 0.5855% | 3,783 |
| Return on assets (ROA) | 0.5855% | 3,864 |
| Pretax return on assets | 0.8380% | 3,484 |
| Return on Equity (ROE) | 4.8740% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.8740% | 2,537 |
| Net charge-offs to loans | 0.1547% | 951 |
| Credit loss provision to net charge-offs | 447.3684% | 1,309 |
| Earnings coverage of net charge-offs (x) | 13.1211% | 2,008 |
| Efficiency ratio | 71.6627% | 1,741 |
| Assets per employee ($millions) | 2.6833% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3646% | 1,713 |
| Loan loss allowance to noncurrent loans | 95.3117% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9907% | 1,214 |
| Noncurrent loans to loans | 1.4317% | 1,074 |
| Net loans and leases to total assets | 62.5869% | 3,060 |
| Net loans and leases to deposits | 71.3148% | 3,318 |
| Net loans and leases to core deposits | 75.0782% | 3,364 |
| Total domestic deposits to total assets | 87.7614% | 1,301 |
| Equity capital to assets | 11.6394% | 1,881 |
| Core capital (leverage) ratio | 11.6513% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $392,125,667 | 1,842 |
| Average earning assets | $364,923,000 | 1,839 |
| Average equity | $47,107,000 | 1,762 |
| Average total loans | $245,611,333 | 1,931 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 2,141 |
| Cost of funding earning assets | 0.7031% | 2,921 |
| Net interest margin | 3.8513% | 1,820 |
| Noninterest income to average assets | 1.2820% | 536 |
| Noninterest expense to average assets | 3.4572% | 996 |
| Loan and lease loss provision to assets | 0.7338% | 353 |
| Net operating income to assets | 0.4969% | 3,900 |
| Return on assets (ROA) | 0.4969% | 3,960 |
| Pretax return on assets | 0.6740% | 3,760 |
| Return on Equity (ROE) | 4.0676% | 3,928 |
| Retained earnings to average equity (ytd only) | 4.0676% | 2,654 |
| Net charge-offs to loans | -0.0708% | 4,733 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7175% | 2,257 |
| Assets per employee ($millions) | 2.5362% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,258 |
| Loan loss allowance to noncurrent loans | 91.4314% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1564% | 1,099 |
| Noncurrent loans to loans | 1.6694% | 916 |
| Net loans and leases to total assets | 60.0666% | 3,484 |
| Net loans and leases to deposits | 68.4811% | 3,696 |
| Net loans and leases to core deposits | 72.9439% | 3,701 |
| Total domestic deposits to total assets | 87.7127% | 1,225 |
| Equity capital to assets | 11.9564% | 2,103 |
| Core capital (leverage) ratio | 12.2814% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,576,500 | 1,834 |
| Average earning assets | $354,995,500 | 1,834 |
| Average equity | $46,612,000 | 1,773 |
| Average total loans | $237,316,000 | 1,945 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9682% | 1,556 |
| Cost of funding earning assets | 0.5980% | 3,644 |
| Net interest margin | 4.3702% | 951 |
| Noninterest income to average assets | 1.2045% | 653 |
| Noninterest expense to average assets | 3.6405% | 815 |
| Loan and lease loss provision to assets | 0.2220% | 874 |
| Net operating income to assets | 1.1521% | 2,248 |
| Return on assets (ROA) | 1.1535% | 2,343 |
| Pretax return on assets | 1.4219% | 2,078 |
| Return on Equity (ROE) | 8.9387% | 2,784 |
| Retained earnings to average equity (ytd only) | 6.6181% | 1,557 |
| Net charge-offs to loans | 0.2873% | 731 |
| Credit loss provision to net charge-offs | 115.9398% | 2,176 |
| Earnings coverage of net charge-offs (x) | 8.5759% | 2,758 |
| Efficiency ratio | 68.5436% | 2,381 |
| Assets per employee ($millions) | 2.4186% | 5,027 |
| Cash dividends to net income (ytd only)* | 25.9611% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,212 |
| Loan loss allowance to noncurrent loans | 95.3907% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 1,352 |
| Noncurrent loans to loans | 1.3026% | 1,158 |
| Net loans and leases to total assets | 62.6755% | 3,339 |
| Net loans and leases to deposits | 71.8112% | 3,533 |
| Net loans and leases to core deposits | 77.0216% | 3,512 |
| Total domestic deposits to total assets | 87.2782% | 1,466 |
| Equity capital to assets | 12.4910% | 1,821 |
| Core capital (leverage) ratio | 12.4648% | 1,505 |
| Tier 1 risk-based capital ratio | 18.7915% | 1,567 |
| Total risk-based capital ratio | 19.9838% | 1,545 |
| Memoranda: | ||
| Average total assets | $347,291,400 | 1,920 |
| Average earning assets | $324,080,800 | 1,906 |
| Average equity | $44,816,200 | 1,765 |
| Average total loans | $231,496,400 | 1,947 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 1,488 |
| Cost of funding earning assets | 0.5530% | 3,910 |
| Net interest margin | 4.4668% | 829 |
| Noninterest income to average assets | 1.2138% | 621 |
| Noninterest expense to average assets | 3.6115% | 836 |
| Loan and lease loss provision to assets | 0.1936% | 918 |
| Net operating income to assets | 1.2721% | 1,942 |
| Return on assets (ROA) | 1.2740% | 2,018 |
| Pretax return on assets | 1.5725% | 1,731 |
| Return on Equity (ROE) | 9.7873% | 2,521 |
| Retained earnings to average equity (ytd only) | 8.2280% | 1,304 |
| Net charge-offs to loans | 0.1723% | 985 |
| Credit loss provision to net charge-offs | 166.4430% | 1,513 |
| Earnings coverage of net charge-offs (x) | 15.1646% | 2,205 |
| Efficiency ratio | 66.8167% | 2,614 |
| Assets per employee ($millions) | 2.7034% | 5,010 |
| Cash dividends to net income (ytd only)* | 15.9315% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,277 |
| Loan loss allowance to noncurrent loans | 85.9754% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0860% | 1,208 |
| Noncurrent loans to loans | 1.4444% | 1,055 |
| Net loans and leases to total assets | 66.0813% | 3,040 |
| Net loans and leases to deposits | 75.9556% | 3,298 |
| Net loans and leases to core deposits | 81.3186% | 3,290 |
| Total domestic deposits to total assets | 86.9999% | 1,516 |
| Equity capital to assets | 12.7265% | 1,772 |
| Core capital (leverage) ratio | 12.9958% | 1,347 |
| Tier 1 risk-based capital ratio | 18.1869% | 1,764 |
| Total risk-based capital ratio | 19.3836% | 1,739 |
| Memoranda: | ||
| Average total assets | $341,604,000 | 1,951 |
| Average earning assets | $318,252,500 | 1,940 |
| Average equity | $44,464,750 | 1,779 |
| Average total loans | $230,659,750 | 1,967 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 1,700 |
| Cost of funding earning assets | 0.4897% | 4,162 |
| Net interest margin | 4.4294% | 890 |
| Noninterest income to average assets | 1.2888% | 523 |
| Noninterest expense to average assets | 3.6783% | 771 |
| Loan and lease loss provision to assets | 0.0896% | 2,052 |
| Net operating income to assets | 1.3325% | 1,648 |
| Return on assets (ROA) | 1.3354% | 1,699 |
| Pretax return on assets | 1.6479% | 1,401 |
| Return on Equity (ROE) | 10.1778% | 2,302 |
| Retained earnings to average equity (ytd only) | 7.8098% | 1,466 |
| Net charge-offs to loans | 0.1058% | 1,337 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 24.1833% | 1,635 |
| Efficiency ratio | 67.5867% | 2,601 |
| Assets per employee ($millions) | 2.1992% | 5,186 |
| Cash dividends to net income (ytd only)* | 23.2662% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,413 |
| Loan loss allowance to noncurrent loans | 85.6024% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.0983% | 1,239 |
| Noncurrent loans to loans | 1.4265% | 1,083 |
| Net loans and leases to total assets | 67.0095% | 2,962 |
| Net loans and leases to deposits | 77.3838% | 3,208 |
| Net loans and leases to core deposits | 82.6532% | 3,228 |
| Total domestic deposits to total assets | 86.5937% | 1,773 |
| Equity capital to assets | 13.1617% | 1,511 |
| Core capital (leverage) ratio | 13.0108% | 1,292 |
| Tier 1 risk-based capital ratio | 18.4112% | 1,699 |
| Total risk-based capital ratio | 19.5817% | 1,676 |
| Memoranda: | ||
| Average total assets | $334,721,670 | 1,986 |
| Average earning assets | $311,598,000 | 1,975 |
| Average equity | $43,919,000 | 1,795 |
| Average total loans | $226,749,670 | 2,001 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 1,776 |
| Cost of funding earning assets | 0.4132% | 4,432 |
| Net interest margin | 4.4346% | 836 |
| Noninterest income to average assets | 1.4328% | 418 |
| Noninterest expense to average assets | 3.6933% | 758 |
| Loan and lease loss provision to assets | 0.0908% | 1,897 |
| Net operating income to assets | 1.4413% | 1,262 |
| Return on assets (ROA) | 1.4413% | 1,291 |
| Pretax return on assets | 1.7789% | 1,019 |
| Return on Equity (ROE) | 11.0021% | 1,944 |
| Retained earnings to average equity (ytd only) | 6.1985% | 2,370 |
| Net charge-offs to loans | 0.1233% | 1,006 |
| Credit loss provision to net charge-offs | 108.6957% | 1,505 |
| Earnings coverage of net charge-offs (x) | 22.3913% | 1,503 |
| Efficiency ratio | 66.0213% | 2,937 |
| Assets per employee ($millions) | 2.2892% | 5,228 |
| Cash dividends to net income (ytd only)* | 43.6608% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,261 |
| Loan loss allowance to noncurrent loans | 47.1159% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 516 |
| Noncurrent loans to loans | 2.6798% | 459 |
| Net loans and leases to total assets | 65.9367% | 3,062 |
| Net loans and leases to deposits | 76.2051% | 3,241 |
| Net loans and leases to core deposits | 80.3021% | 3,336 |
| Total domestic deposits to total assets | 86.5253% | 2,054 |
| Equity capital to assets | 13.1246% | 1,383 |
| Core capital (leverage) ratio | 13.1754% | 1,193 |
| Tier 1 risk-based capital ratio | 18.4105% | 1,684 |
| Total risk-based capital ratio | 19.6088% | 1,641 |
| Memoranda: | ||
| Average total assets | $330,543,500 | 2,020 |
| Average earning assets | $307,853,500 | 2,013 |
| Average equity | $43,301,000 | 1,809 |
| Average total loans | $223,756,000 | 2,036 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 1,820 |
| Cost of funding earning assets | 0.3175% | 4,485 |
| Net interest margin | 4.3832% | 978 |
| Noninterest income to average assets | 1.0569% | 841 |
| Noninterest expense to average assets | 3.6451% | 826 |
| Loan and lease loss provision to assets | 0.0359% | 3,481 |
| Net operating income to assets | 1.1692% | 2,318 |
| Return on assets (ROA) | 1.1692% | 2,309 |
| Pretax return on assets | 1.4289% | 2,039 |
| Return on Equity (ROE) | 9.5802% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.2916% | 1,122 |
| Net charge-offs to loans | -0.2304% | 5,284 |
| Credit loss provision to net charge-offs | -24.0964% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9345% | 2,050 |
| Assets per employee ($millions) | 2.1937% | 5,286 |
| Cash dividends to net income (ytd only)* | 13.4512% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,279 |
| Loan loss allowance to noncurrent loans | 82.2944% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1993% | 1,091 |
| Noncurrent loans to loans | 1.5233% | 998 |
| Net loans and leases to total assets | 67.7671% | 2,910 |
| Net loans and leases to deposits | 78.2903% | 3,136 |
| Net loans and leases to core deposits | 82.6791% | 3,207 |
| Total domestic deposits to total assets | 86.5588% | 1,986 |
| Equity capital to assets | 13.0747% | 1,311 |
| Core capital (leverage) ratio | 12.9245% | 1,279 |
| Tier 1 risk-based capital ratio | 18.0807% | 1,735 |
| Total risk-based capital ratio | 19.2657% | 1,709 |
| Memoranda: | ||
| Average total assets | $333,815,600 | 1,968 |
| Average earning assets | $308,676,200 | 1,977 |
| Average equity | $40,740,200 | 1,825 |
| Average total loans | $216,119,000 | 2,058 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6062% | 1,960 |
| Cost of funding earning assets | 0.3062% | 4,477 |
| Net interest margin | 4.2999% | 1,111 |
| Noninterest income to average assets | 1.0744% | 822 |
| Noninterest expense to average assets | 3.6377% | 809 |
| Loan and lease loss provision to assets | 0.0358% | 3,294 |
| Net operating income to assets | 1.1253% | 2,553 |
| Return on assets (ROA) | 1.1253% | 2,563 |
| Pretax return on assets | 1.3732% | 2,331 |
| Return on Equity (ROE) | 9.3832% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.6437% | 1,824 |
| Net charge-offs to loans | -0.3625% | 5,378 |
| Credit loss provision to net charge-offs | -15.4639% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6794% | 1,937 |
| Assets per employee ($millions) | 2.1756% | 5,349 |
| Cash dividends to net income (ytd only)* | 18.5380% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,162 |
| Loan loss allowance to noncurrent loans | 89.6746% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1113% | 1,290 |
| Noncurrent loans to loans | 1.4346% | 1,151 |
| Net loans and leases to total assets | 66.4992% | 3,122 |
| Net loans and leases to deposits | 76.3829% | 3,382 |
| Net loans and leases to core deposits | 80.6321% | 3,444 |
| Total domestic deposits to total assets | 87.0604% | 1,703 |
| Equity capital to assets | 12.4597% | 1,618 |
| Core capital (leverage) ratio | 12.5225% | 1,489 |
| Tier 1 risk-based capital ratio | 17.6275% | 1,892 |
| Total risk-based capital ratio | 18.8356% | 1,868 |
| Memoranda: | ||
| Average total assets | $335,552,500 | 1,974 |
| Average earning assets | $309,980,750 | 1,980 |
| Average equity | $40,241,000 | 1,845 |
| Average total loans | $214,068,500 | 2,075 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 2,204 |
| Cost of funding earning assets | 0.2987% | 4,426 |
| Net interest margin | 4.1649% | 1,364 |
| Noninterest income to average assets | 1.0630% | 856 |
| Noninterest expense to average assets | 3.5590% | 916 |
| Loan and lease loss provision to assets | 0.0356% | 3,205 |
| Net operating income to assets | 1.0790% | 2,666 |
| Return on assets (ROA) | 1.0790% | 2,673 |
| Pretax return on assets | 1.3145% | 2,448 |
| Return on Equity (ROE) | 9.1132% | 2,967 |
| Retained earnings to average equity (ytd only) | 6.4829% | 2,318 |
| Net charge-offs to loans | 0.0900% | 1,448 |
| Credit loss provision to net charge-offs | 63.1579% | 2,407 |
| Earnings coverage of net charge-offs (x) | 23.9579% | 1,694 |
| Efficiency ratio | 72.0880% | 1,993 |
| Assets per employee ($millions) | 2.2492% | 5,406 |
| Cash dividends to net income (ytd only)* | 28.8620% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,899 |
| Loan loss allowance to noncurrent loans | 55.5413% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 1,056 |
| Noncurrent loans to loans | 1.7857% | 877 |
| Net loans and leases to total assets | 64.3386% | 3,362 |
| Net loans and leases to deposits | 73.5267% | 3,575 |
| Net loans and leases to core deposits | 77.6715% | 3,603 |
| Total domestic deposits to total assets | 87.5037% | 1,644 |
| Equity capital to assets | 12.0765% | 1,806 |
| Core capital (leverage) ratio | 12.0990% | 1,651 |
| Tier 1 risk-based capital ratio | 17.4870% | 1,944 |
| Total risk-based capital ratio | 18.4131% | 1,993 |
| Memoranda: | ||
| Average total assets | $337,173,000 | 1,976 |
| Average earning assets | $311,367,670 | 1,980 |
| Average equity | $39,920,330 | 1,863 |
| Average total loans | $211,167,000 | 2,097 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 2,274 |
| Cost of funding earning assets | 0.2919% | 4,404 |
| Net interest margin | 4.0847% | 1,477 |
| Noninterest income to average assets | 1.0728% | 802 |
| Noninterest expense to average assets | 3.5199% | 970 |
| Loan and lease loss provision to assets | 0.0355% | 3,031 |
| Net operating income to assets | 1.0621% | 2,597 |
| Return on assets (ROA) | 1.0621% | 2,607 |
| Pretax return on assets | 1.2904% | 2,406 |
| Return on Equity (ROE) | 9.0606% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.8139% | 3,670 |
| Net charge-offs to loans | 0.0558% | 1,549 |
| Credit loss provision to net charge-offs | 103.4483% | 1,506 |
| Earnings coverage of net charge-offs (x) | 38.6552% | 1,085 |
| Efficiency ratio | 72.2236% | 2,161 |
| Assets per employee ($millions) | 2.2625% | 5,460 |
| Cash dividends to net income (ytd only)* | 57.9065% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,606 |
| Loan loss allowance to noncurrent loans | 70.6242% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 1,499 |
| Noncurrent loans to loans | 1.4990% | 1,177 |
| Net loans and leases to total assets | 59.6528% | 3,788 |
| Net loans and leases to deposits | 67.6633% | 3,971 |
| Net loans and leases to core deposits | 71.1423% | 4,022 |
| Total domestic deposits to total assets | 88.1612% | 1,532 |
| Equity capital to assets | 11.5233% | 2,113 |
| Core capital (leverage) ratio | 11.6795% | 1,873 |
| Tier 1 risk-based capital ratio | 18.2482% | 1,761 |
| Total risk-based capital ratio | 19.2520% | 1,785 |
| Memoranda: | ||
| Average total assets | $338,190,500 | 1,986 |
| Average earning assets | $312,385,000 | 1,991 |
| Average equity | $39,644,000 | 1,883 |
| Average total loans | $207,859,000 | 2,136 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 2,147 |
| Cost of funding earning assets | 0.3064% | 4,072 |
| Net interest margin | 4.0541% | 1,576 |
| Noninterest income to average assets | 1.1065% | 831 |
| Noninterest expense to average assets | 3.5856% | 910 |
| Loan and lease loss provision to assets | 0.1082% | 2,079 |
| Net operating income to assets | 0.7914% | 3,201 |
| Return on assets (ROA) | 0.7934% | 3,236 |
| Pretax return on assets | 1.1638% | 2,931 |
| Return on Equity (ROE) | 6.8001% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.4612% | 1,839 |
| Net charge-offs to loans | -0.0865% | 5,336 |
| Credit loss provision to net charge-offs | -197.8022% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4390% | 1,993 |
| Assets per employee ($millions) | 2.2930% | 5,515 |
| Cash dividends to net income (ytd only)* | 19.6895% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,612 |
| Loan loss allowance to noncurrent loans | 76.5260% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 1,559 |
| Noncurrent loans to loans | 1.3759% | 1,255 |
| Net loans and leases to total assets | 62.0134% | 3,621 |
| Net loans and leases to deposits | 70.4962% | 3,834 |
| Net loans and leases to core deposits | 74.1623% | 3,869 |
| Total domestic deposits to total assets | 87.9670% | 1,521 |
| Equity capital to assets | 11.9283% | 1,886 |
| Core capital (leverage) ratio | 11.7013% | 1,794 |
| Tier 1 risk-based capital ratio | 19.2177% | 1,465 |
| Total risk-based capital ratio | 20.2850% | 1,461 |
| Memoranda: | ||
| Average total assets | $332,862,600 | 1,990 |
| Average earning assets | $307,737,200 | 2,001 |
| Average equity | $38,837,800 | 1,903 |
| Average total loans | $210,364,800 | 2,073 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,180 |
| Cost of funding earning assets | 0.3070% | 4,065 |
| Net interest margin | 4.0226% | 1,622 |
| Noninterest income to average assets | 1.0620% | 907 |
| Noninterest expense to average assets | 3.4642% | 1,046 |
| Loan and lease loss provision to assets | 0.1321% | 1,647 |
| Net operating income to assets | 0.8939% | 3,059 |
| Return on assets (ROA) | 0.8942% | 3,110 |
| Pretax return on assets | 1.1813% | 2,980 |
| Return on Equity (ROE) | 7.7067% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.9120% | 2,302 |
| Net charge-offs to loans | -0.1435% | 5,468 |
| Credit loss provision to net charge-offs | -145.3744% | 4,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0872% | 2,194 |
| Assets per employee ($millions) | 2.6442% | 5,469 |
| Cash dividends to net income (ytd only)* | 23.2872% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,967 |
| Loan loss allowance to noncurrent loans | 77.1568% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 1,760 |
| Noncurrent loans to loans | 1.3183% | 1,451 |
| Net loans and leases to total assets | 63.5121% | 3,486 |
| Net loans and leases to deposits | 72.0948% | 3,762 |
| Net loans and leases to core deposits | 75.7982% | 3,815 |
| Total domestic deposits to total assets | 88.0952% | 1,316 |
| Equity capital to assets | 11.6953% | 2,190 |
| Core capital (leverage) ratio | 11.7688% | 1,839 |
| Tier 1 risk-based capital ratio | 18.6632% | 1,692 |
| Total risk-based capital ratio | 19.7181% | 1,692 |
| Memoranda: | ||
| Average total assets | $332,956,750 | 2,002 |
| Average earning assets | $307,520,000 | 2,016 |
| Average equity | $38,632,250 | 1,925 |
| Average total loans | $210,861,000 | 2,078 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,199 |
| Cost of funding earning assets | 0.3078% | 4,011 |
| Net interest margin | 3.9707% | 1,707 |
| Noninterest income to average assets | 1.1053% | 821 |
| Noninterest expense to average assets | 3.5057% | 999 |
| Loan and lease loss provision to assets | 0.1812% | 1,045 |
| Net operating income to assets | 0.8560% | 3,131 |
| Return on assets (ROA) | 0.8565% | 3,179 |
| Pretax return on assets | 1.0818% | 3,253 |
| Return on Equity (ROE) | 7.4018% | 3,341 |
| Retained earnings to average equity (ytd only) | 4.6875% | 2,919 |
| Net charge-offs to loans | -0.2778% | 5,633 |
| Credit loss provision to net charge-offs | -103.4483% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0935% | 2,171 |
| Assets per employee ($millions) | 2.4337% | 5,583 |
| Cash dividends to net income (ytd only)* | 36.6714% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,874 |
| Loan loss allowance to noncurrent loans | 89.0743% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8955% | 1,978 |
| Noncurrent loans to loans | 1.1738% | 1,671 |
| Net loans and leases to total assets | 64.5823% | 3,302 |
| Net loans and leases to deposits | 73.4924% | 3,598 |
| Net loans and leases to core deposits | 77.1930% | 3,664 |
| Total domestic deposits to total assets | 87.8762% | 1,521 |
| Equity capital to assets | 11.8200% | 2,065 |
| Core capital (leverage) ratio | 11.4822% | 1,978 |
| Tier 1 risk-based capital ratio | 17.9223% | 1,877 |
| Total risk-based capital ratio | 18.9796% | 1,902 |
| Memoranda: | ||
| Average total assets | $331,122,330 | 2,016 |
| Average earning assets | $305,435,000 | 2,024 |
| Average equity | $38,315,000 | 1,939 |
| Average total loans | $208,757,330 | 2,095 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,182 |
| Cost of funding earning assets | 0.3053% | 3,989 |
| Net interest margin | 3.9211% | 1,701 |
| Noninterest income to average assets | 1.1684% | 743 |
| Noninterest expense to average assets | 3.5233% | 1,011 |
| Loan and lease loss provision to assets | 0.1805% | 964 |
| Net operating income to assets | 0.8426% | 3,026 |
| Return on assets (ROA) | 0.8435% | 3,066 |
| Pretax return on assets | 1.0818% | 3,054 |
| Return on Equity (ROE) | 7.3682% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.3682% | 1,708 |
| Net charge-offs to loans | -0.5264% | 5,746 |
| Credit loss provision to net charge-offs | -55.3506% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2143% | 2,372 |
| Assets per employee ($millions) | 2.4199% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,222 |
| Loan loss allowance to noncurrent loans | 76.4662% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.9547% | 1,926 |
| Noncurrent loans to loans | 1.3205% | 1,535 |
| Net loans and leases to total assets | 60.8548% | 3,692 |
| Net loans and leases to deposits | 69.0774% | 3,886 |
| Net loans and leases to core deposits | 72.3024% | 3,963 |
| Total domestic deposits to total assets | 88.0965% | 1,663 |
| Equity capital to assets | 11.5292% | 2,161 |
| Core capital (leverage) ratio | 11.4126% | 2,012 |
| Tier 1 risk-based capital ratio | 18.2372% | 1,794 |
| Total risk-based capital ratio | 19.2376% | 1,840 |
| Memoranda: | ||
| Average total assets | $332,411,000 | 2,031 |
| Average earning assets | $306,545,000 | 2,040 |
| Average equity | $38,055,500 | 1,959 |
| Average total loans | $205,924,000 | 2,130 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,066 |
| Cost of funding earning assets | 0.3305% | 3,742 |
| Net interest margin | 3.9927% | 1,649 |
| Noninterest income to average assets | 1.0459% | 1,031 |
| Noninterest expense to average assets | 3.6323% | 970 |
| Loan and lease loss provision to assets | 0.1829% | 1,299 |
| Net operating income to assets | 0.7057% | 3,757 |
| Return on assets (ROA) | 0.7057% | 3,870 |
| Pretax return on assets | 0.9023% | 3,847 |
| Return on Equity (ROE) | 6.0876% | 3,934 |
| Retained earnings to average equity (ytd only) | 0.9155% | 4,957 |
| Net charge-offs to loans | 0.1128% | 2,135 |
| Credit loss provision to net charge-offs | 250.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 14.8361% | 2,260 |
| Efficiency ratio | 76.5648% | 1,909 |
| Assets per employee ($millions) | 2.3301% | 5,730 |
| Cash dividends to net income (ytd only)* | 84.9618% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 5,106 |
| Loan loss allowance to noncurrent loans | 73.2594% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 2,076 |
| Noncurrent loans to loans | 1.0917% | 1,911 |
| Net loans and leases to total assets | 61.9268% | 3,619 |
| Net loans and leases to deposits | 70.1248% | 3,890 |
| Net loans and leases to core deposits | 73.2905% | 3,982 |
| Total domestic deposits to total assets | 88.3093% | 1,486 |
| Equity capital to assets | 11.3667% | 2,271 |
| Core capital (leverage) ratio | 11.0806% | 2,274 |
| Tier 1 risk-based capital ratio | 18.0905% | 1,828 |
| Total risk-based capital ratio | 18.8956% | 1,928 |
| Memoranda: | ||
| Average total assets | $333,593,000 | 1,985 |
| Average earning assets | $306,762,400 | 2,002 |
| Average equity | $38,668,600 | 1,902 |
| Average total loans | $216,236,000 | 2,000 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,078 |
| Cost of funding earning assets | 0.3355% | 3,707 |
| Net interest margin | 3.9949% | 1,672 |
| Noninterest income to average assets | 1.0243% | 1,094 |
| Noninterest expense to average assets | 3.5124% | 1,128 |
| Loan and lease loss provision to assets | 0.1835% | 1,195 |
| Net operating income to assets | 0.7722% | 3,499 |
| Return on assets (ROA) | 0.7722% | 3,642 |
| Pretax return on assets | 0.9996% | 3,632 |
| Return on Equity (ROE) | 6.6300% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.4587% | 1,934 |
| Net charge-offs to loans | 0.2006% | 1,169 |
| Credit loss provision to net charge-offs | 139.8176% | 1,871 |
| Earnings coverage of net charge-offs (x) | 9.0151% | 2,717 |
| Efficiency ratio | 74.3714% | 2,209 |
| Assets per employee ($millions) | 2.2587% | 5,816 |
| Cash dividends to net income (ytd only)* | 2.5828% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6515% | 5,524 |
| Loan loss allowance to noncurrent loans | 54.0840% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 1,967 |
| Noncurrent loans to loans | 1.2047% | 1,863 |
| Net loans and leases to total assets | 65.5193% | 3,201 |
| Net loans and leases to deposits | 75.7804% | 3,423 |
| Net loans and leases to core deposits | 78.8797% | 3,569 |
| Total domestic deposits to total assets | 86.4595% | 2,144 |
| Equity capital to assets | 12.0841% | 2,052 |
| Core capital (leverage) ratio | 11.6493% | 1,925 |
| Tier 1 risk-based capital ratio | 18.0330% | 1,908 |
| Total risk-based capital ratio | 18.6948% | 2,056 |
| Memoranda: | ||
| Average total assets | $334,271,750 | 1,983 |
| Average earning assets | $307,186,000 | 2,000 |
| Average equity | $38,933,250 | 1,894 |
| Average total loans | $218,656,500 | 1,992 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 2,193 |
| Cost of funding earning assets | 0.3408% | 3,673 |
| Net interest margin | 3.9452% | 1,825 |
| Noninterest income to average assets | 1.0805% | 963 |
| Noninterest expense to average assets | 3.5423% | 1,097 |
| Loan and lease loss provision to assets | 0.1846% | 1,178 |
| Net operating income to assets | 0.7547% | 3,525 |
| Return on assets (ROA) | 0.7547% | 3,678 |
| Pretax return on assets | 0.9739% | 3,683 |
| Return on Equity (ROE) | 6.5601% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.5601% | 1,845 |
| Net charge-offs to loans | 0.2337% | 1,007 |
| Credit loss provision to net charge-offs | 121.0938% | 1,852 |
| Earnings coverage of net charge-offs (x) | 7.5977% | 2,612 |
| Efficiency ratio | 74.9240% | 2,227 |
| Assets per employee ($millions) | 2.2993% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6124% | 5,665 |
| Loan loss allowance to noncurrent loans | 37.4406% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 1,429 |
| Noncurrent loans to loans | 1.6355% | 1,307 |
| Net loans and leases to total assets | 65.6853% | 3,120 |
| Net loans and leases to deposits | 75.7310% | 3,412 |
| Net loans and leases to core deposits | 78.8017% | 3,571 |
| Total domestic deposits to total assets | 86.7351% | 2,046 |
| Equity capital to assets | 11.8986% | 2,196 |
| Core capital (leverage) ratio | 11.1833% | 2,253 |
| Tier 1 risk-based capital ratio | 17.4715% | 2,070 |
| Total risk-based capital ratio | 18.0880% | 2,238 |
| Memoranda: | ||
| Average total assets | $335,771,330 | 1,985 |
| Average earning assets | $308,119,330 | 2,003 |
| Average equity | $38,627,670 | 1,910 |
| Average total loans | $219,048,000 | 1,992 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,425 |
| Cost of funding earning assets | 0.3412% | 3,700 |
| Net interest margin | 3.8695% | 2,041 |
| Noninterest income to average assets | 1.1192% | 872 |
| Noninterest expense to average assets | 3.5113% | 1,163 |
| Loan and lease loss provision to assets | 0.1893% | 1,046 |
| Net operating income to assets | 0.7512% | 3,477 |
| Return on assets (ROA) | 0.7512% | 3,585 |
| Pretax return on assets | 0.9737% | 3,571 |
| Return on Equity (ROE) | 6.6417% | 3,648 |
| Retained earnings to average equity (ytd only) | 6.6417% | 2,064 |
| Net charge-offs to loans | 0.3796% | 586 |
| Credit loss provision to net charge-offs | 76.9231% | 1,858 |
| Earnings coverage of net charge-offs (x) | 4.7260% | 2,398 |
| Efficiency ratio | 74.6900% | 2,373 |
| Assets per employee ($millions) | 2.1681% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5736% | 5,786 |
| Loan loss allowance to noncurrent loans | 29.7668% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5224% | 1,329 |
| Noncurrent loans to loans | 1.9269% | 1,125 |
| Net loans and leases to total assets | 62.6474% | 3,438 |
| Net loans and leases to deposits | 71.6855% | 3,680 |
| Net loans and leases to core deposits | 74.5431% | 3,834 |
| Total domestic deposits to total assets | 87.3920% | 1,999 |
| Equity capital to assets | 11.2666% | 2,659 |
| Core capital (leverage) ratio | 11.0054% | 2,403 |
| Tier 1 risk-based capital ratio | 17.4001% | 2,149 |
| Total risk-based capital ratio | 17.9773% | 2,333 |
| Memoranda: | ||
| Average total assets | $338,104,000 | 1,979 |
| Average earning assets | $310,633,000 | 1,991 |
| Average equity | $38,243,000 | 1,918 |
| Average total loans | $219,158,000 | 1,990 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 1,862 |
| Cost of funding earning assets | 0.3674% | 3,510 |
| Net interest margin | 4.0452% | 1,575 |
| Noninterest income to average assets | 1.0955% | 980 |
| Noninterest expense to average assets | 3.6184% | 1,095 |
| Loan and lease loss provision to assets | 0.8040% | 121 |
| Net operating income to assets | 0.3281% | 5,278 |
| Return on assets (ROA) | 0.4317% | 5,024 |
| Pretax return on assets | 0.5015% | 5,112 |
| Return on Equity (ROE) | 3.7677% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.7677% | 3,360 |
| Net charge-offs to loans | 2.1661% | 59 |
| Credit loss provision to net charge-offs | 56.4430% | 3,304 |
| Earnings coverage of net charge-offs (x) | 0.8319% | 4,174 |
| Efficiency ratio | 74.9005% | 2,440 |
| Assets per employee ($millions) | 2.0984% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 5,823 |
| Loan loss allowance to noncurrent loans | 40.3514% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 1,613 |
| Noncurrent loans to loans | 1.4325% | 1,625 |
| Net loans and leases to total assets | 66.2935% | 2,944 |
| Net loans and leases to deposits | 75.8607% | 3,270 |
| Net loans and leases to core deposits | 79.4776% | 3,395 |
| Total domestic deposits to total assets | 87.3885% | 1,934 |
| Equity capital to assets | 11.3566% | 2,493 |
| Core capital (leverage) ratio | 10.9652% | 2,441 |
| Tier 1 risk-based capital ratio | 16.8197% | 2,355 |
| Total risk-based capital ratio | 17.4099% | 2,574 |
| Memoranda: | ||
| Average total assets | $329,619,400 | 1,994 |
| Average earning assets | $302,136,600 | 2,004 |
| Average equity | $37,768,600 | 1,897 |
| Average total loans | $216,745,400 | 1,946 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 1,905 |
| Cost of funding earning assets | 0.3702% | 3,545 |
| Net interest margin | 4.0353% | 1,598 |
| Noninterest income to average assets | 1.1219% | 957 |
| Noninterest expense to average assets | 3.6431% | 1,050 |
| Loan and lease loss provision to assets | 0.4524% | 238 |
| Net operating income to assets | 0.5788% | 4,482 |
| Return on assets (ROA) | 0.5798% | 4,574 |
| Pretax return on assets | 0.7246% | 4,598 |
| Return on Equity (ROE) | 5.0487% | 4,603 |
| Retained earnings to average equity (ytd only) | 5.0487% | 2,878 |
| Net charge-offs to loans | 1.5202% | 92 |
| Credit loss provision to net charge-offs | 45.4175% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.1804% | 3,875 |
| Efficiency ratio | 75.1705% | 2,374 |
| Assets per employee ($millions) | 1.9680% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,289 |
| Loan loss allowance to noncurrent loans | 34.2273% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 2.1608% | 894 |
| Noncurrent loans to loans | 2.5552% | 789 |
| Net loans and leases to total assets | 69.0760% | 2,525 |
| Net loans and leases to deposits | 79.5526% | 2,930 |
| Net loans and leases to core deposits | 83.7020% | 3,079 |
| Total domestic deposits to total assets | 86.8306% | 2,123 |
| Equity capital to assets | 11.7595% | 2,301 |
| Core capital (leverage) ratio | 11.1083% | 2,384 |
| Tier 1 risk-based capital ratio | 16.7809% | 2,444 |
| Total risk-based capital ratio | 17.6867% | 2,566 |
| Memoranda: | ||
| Average total assets | $328,612,250 | 2,014 |
| Average earning assets | $301,070,000 | 2,030 |
| Average equity | $37,738,000 | 1,911 |
| Average total loans | $215,313,500 | 1,962 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,132 |
| Cost of funding earning assets | 0.3671% | 3,630 |
| Net interest margin | 3.9444% | 1,834 |
| Noninterest income to average assets | 1.1359% | 936 |
| Noninterest expense to average assets | 3.5468% | 1,220 |
| Loan and lease loss provision to assets | 0.2490% | 705 |
| Net operating income to assets | 0.7366% | 3,707 |
| Return on assets (ROA) | 0.7380% | 3,808 |
| Pretax return on assets | 0.9579% | 3,745 |
| Return on Equity (ROE) | 6.4780% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.4780% | 1,959 |
| Net charge-offs to loans | 1.8712% | 81 |
| Credit loss provision to net charge-offs | 20.7490% | 3,013 |
| Earnings coverage of net charge-offs (x) | 1.0040% | 3,589 |
| Efficiency ratio | 74.2043% | 2,655 |
| Assets per employee ($millions) | 2.1501% | 6,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 5,609 |
| Loan loss allowance to noncurrent loans | 32.3794% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 1.9963% | 1,106 |
| Noncurrent loans to loans | 2.4596% | 913 |
| Net loans and leases to total assets | 65.9709% | 2,954 |
| Net loans and leases to deposits | 75.6585% | 3,306 |
| Net loans and leases to core deposits | 80.3761% | 3,345 |
| Total domestic deposits to total assets | 87.1957% | 2,060 |
| Equity capital to assets | 11.4213% | 2,478 |
| Core capital (leverage) ratio | 11.0584% | 2,368 |
| Tier 1 risk-based capital ratio | 16.7917% | 2,491 |
| Total risk-based capital ratio | 17.6003% | 2,646 |
| Memoranda: | ||
| Average total assets | $329,253,670 | 2,017 |
| Average earning assets | $301,847,330 | 2,037 |
| Average equity | $37,511,670 | 1,929 |
| Average total loans | $211,200,000 | 2,004 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2459% | 2,288 |
| Cost of funding earning assets | 0.3716% | 3,627 |
| Net interest margin | 3.8743% | 1,983 |
| Noninterest income to average assets | 1.1233% | 893 |
| Noninterest expense to average assets | 3.6119% | 1,122 |
| Loan and lease loss provision to assets | 0.1283% | 1,618 |
| Net operating income to assets | 0.7330% | 3,631 |
| Return on assets (ROA) | 0.7358% | 3,746 |
| Pretax return on assets | 0.9424% | 3,729 |
| Return on Equity (ROE) | 6.4669% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.4669% | 2,254 |
| Net charge-offs to loans | 0.3690% | 665 |
| Credit loss provision to net charge-offs | 55.2632% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.5947% | 2,471 |
| Efficiency ratio | 76.7503% | 2,385 |
| Assets per employee ($millions) | 2.1122% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,190 |
| Loan loss allowance to noncurrent loans | 76.5386% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6710% | 1,510 |
| Noncurrent loans to loans | 2.0386% | 1,278 |
| Net loans and leases to total assets | 62.1529% | 3,345 |
| Net loans and leases to deposits | 71.2340% | 3,623 |
| Net loans and leases to core deposits | 74.2546% | 3,757 |
| Total domestic deposits to total assets | 87.2518% | 2,237 |
| Equity capital to assets | 11.4253% | 2,532 |
| Core capital (leverage) ratio | 11.4828% | 2,011 |
| Tier 1 risk-based capital ratio | 18.9941% | 1,871 |
| Total risk-based capital ratio | 18.9941% | 2,186 |
| Memoranda: | ||
| Average total assets | $327,249,500 | 2,035 |
| Average earning assets | $300,338,500 | 2,051 |
| Average equity | $37,236,000 | 1,954 |
| Average total loans | $205,989,500 | 2,040 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,317 |
| Cost of funding earning assets | 0.4046% | 3,653 |
| Net interest margin | 3.9669% | 1,991 |
| Noninterest income to average assets | 1.1212% | 968 |
| Noninterest expense to average assets | 3.7597% | 1,053 |
| Loan and lease loss provision to assets | 0.1156% | 2,241 |
| Net operating income to assets | 0.6887% | 3,954 |
| Return on assets (ROA) | 0.7228% | 3,890 |
| Pretax return on assets | 0.9115% | 3,866 |
| Return on Equity (ROE) | 6.3561% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.8918% | 2,688 |
| Net charge-offs to loans | 0.1288% | 2,733 |
| Credit loss provision to net charge-offs | 149.4024% | 1,614 |
| Earnings coverage of net charge-offs (x) | 12.7131% | 2,345 |
| Efficiency ratio | 78.7493% | 2,097 |
| Assets per employee ($millions) | 2.0799% | 6,352 |
| Cash dividends to net income (ytd only)* | 23.0375% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 5,480 |
| Loan loss allowance to noncurrent loans | 78.6850% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 2,606 |
| Noncurrent loans to loans | 1.1410% | 2,560 |
| Net loans and leases to total assets | 61.8925% | 3,514 |
| Net loans and leases to deposits | 71.1127% | 3,778 |
| Net loans and leases to core deposits | 74.1723% | 3,905 |
| Total domestic deposits to total assets | 87.0345% | 2,263 |
| Equity capital to assets | 11.5805% | 2,364 |
| Core capital (leverage) ratio | 10.8786% | 2,523 |
| Tier 1 risk-based capital ratio | 17.8745% | 2,182 |
| Total risk-based capital ratio | 18.7799% | 2,271 |
| Memoranda: | ||
| Average total assets | $324,283,800 | 2,002 |
| Average earning assets | $296,127,200 | 2,024 |
| Average equity | $36,878,200 | 1,908 |
| Average total loans | $194,937,200 | 2,072 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3502% | 2,423 |
| Cost of funding earning assets | 0.4060% | 3,712 |
| Net interest margin | 3.9442% | 2,058 |
| Noninterest income to average assets | 1.0754% | 1,054 |
| Noninterest expense to average assets | 3.6035% | 1,291 |
| Loan and lease loss provision to assets | 0.1112% | 2,188 |
| Net operating income to assets | 0.7539% | 3,648 |
| Return on assets (ROA) | 0.7994% | 3,523 |
| Pretax return on assets | 1.0157% | 3,535 |
| Return on Equity (ROE) | 7.0624% | 3,684 |
| Retained earnings to average equity (ytd only) | 5.0976% | 3,020 |
| Net charge-offs to loans | 0.1086% | 2,717 |
| Credit loss provision to net charge-offs | 171.9745% | 1,440 |
| Earnings coverage of net charge-offs (x) | 16.5349% | 1,964 |
| Efficiency ratio | 76.6064% | 2,398 |
| Assets per employee ($millions) | 2.0549% | 6,433 |
| Cash dividends to net income (ytd only)* | 27.8206% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 5,603 |
| Loan loss allowance to noncurrent loans | 99.2908% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 3,142 |
| Noncurrent loans to loans | 0.9048% | 3,299 |
| Net loans and leases to total assets | 61.8355% | 3,511 |
| Net loans and leases to deposits | 71.7256% | 3,710 |
| Net loans and leases to core deposits | 74.7010% | 3,880 |
| Total domestic deposits to total assets | 86.2112% | 2,747 |
| Equity capital to assets | 11.5546% | 2,427 |
| Core capital (leverage) ratio | 11.0474% | 2,440 |
| Tier 1 risk-based capital ratio | 17.6878% | 2,322 |
| Total risk-based capital ratio | 18.5890% | 2,415 |
| Memoranda: | ||
| Average total assets | $323,717,250 | 2,022 |
| Average earning assets | $295,243,000 | 2,037 |
| Average equity | $36,643,750 | 1,926 |
| Average total loans | $192,686,250 | 2,105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 2,542 |
| Cost of funding earning assets | 0.4121% | 3,746 |
| Net interest margin | 3.9006% | 2,166 |
| Noninterest income to average assets | 1.0693% | 1,043 |
| Noninterest expense to average assets | 3.6030% | 1,290 |
| Loan and lease loss provision to assets | 0.0928% | 2,478 |
| Net operating income to assets | 0.7362% | 3,641 |
| Return on assets (ROA) | 0.8046% | 3,407 |
| Pretax return on assets | 1.0192% | 3,401 |
| Return on Equity (ROE) | 7.1575% | 3,544 |
| Retained earnings to average equity (ytd only) | 4.1867% | 3,502 |
| Net charge-offs to loans | 0.1246% | 2,426 |
| Credit loss provision to net charge-offs | 127.1186% | 1,636 |
| Earnings coverage of net charge-offs (x) | 14.0508% | 1,938 |
| Efficiency ratio | 77.3250% | 2,404 |
| Assets per employee ($millions) | 2.0293% | 6,497 |
| Cash dividends to net income (ytd only)* | 41.5065% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 5,793 |
| Loan loss allowance to noncurrent loans | 106.4259% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9316% | 3,213 |
| Noncurrent loans to loans | 0.8232% | 3,644 |
| Net loans and leases to total assets | 62.1535% | 3,372 |
| Net loans and leases to deposits | 72.3249% | 3,533 |
| Net loans and leases to core deposits | 75.3899% | 3,691 |
| Total domestic deposits to total assets | 85.9366% | 3,070 |
| Equity capital to assets | 11.6374% | 2,288 |
| Core capital (leverage) ratio | 10.8526% | 2,579 |
| Tier 1 risk-based capital ratio | 17.6119% | 2,379 |
| Total risk-based capital ratio | 18.4856% | 2,484 |
| Memoranda: | ||
| Average total assets | $323,397,670 | 2,016 |
| Average earning assets | $295,084,330 | 2,036 |
| Average equity | $36,353,330 | 1,928 |
| Average total loans | $189,386,670 | 2,135 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 3,007 |
| Cost of funding earning assets | 0.4145% | 3,821 |
| Net interest margin | 3.7508% | 2,673 |
| Noninterest income to average assets | 1.1101% | 905 |
| Noninterest expense to average assets | 3.5470% | 1,404 |
| Loan and lease loss provision to assets | 0.0918% | 2,387 |
| Net operating income to assets | 0.7405% | 3,481 |
| Return on assets (ROA) | 0.7405% | 3,562 |
| Pretax return on assets | 0.8935% | 3,720 |
| Return on Equity (ROE) | 6.7017% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.7017% | 2,189 |
| Net charge-offs to loans | 0.2294% | 1,403 |
| Credit loss provision to net charge-offs | 70.7547% | 1,997 |
| Earnings coverage of net charge-offs (x) | 7.5943% | 2,106 |
| Efficiency ratio | 77.7478% | 2,512 |
| Assets per employee ($millions) | 2.0847% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 5,877 |
| Loan loss allowance to noncurrent loans | 85.1626% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.9824% | 3,297 |
| Noncurrent loans to loans | 1.0534% | 3,319 |
| Net loans and leases to total assets | 56.9288% | 4,010 |
| Net loans and leases to deposits | 66.1282% | 4,079 |
| Net loans and leases to core deposits | 69.4083% | 4,162 |
| Total domestic deposits to total assets | 86.0886% | 3,316 |
| Equity capital to assets | 11.2627% | 2,467 |
| Core capital (leverage) ratio | 10.6331% | 2,776 |
| Tier 1 risk-based capital ratio | 18.6000% | 2,093 |
| Total risk-based capital ratio | 19.4939% | 2,156 |
| Memoranda: | ||
| Average total assets | $326,813,500 | 2,000 |
| Average earning assets | $298,178,500 | 2,024 |
| Average equity | $36,110,000 | 1,937 |
| Average total loans | $184,832,000 | 2,185 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 2,816 |
| Cost of funding earning assets | 0.4535% | 4,079 |
| Net interest margin | 3.8846% | 2,352 |
| Noninterest income to average assets | 1.0500% | 1,274 |
| Noninterest expense to average assets | 3.6220% | 1,413 |
| Loan and lease loss provision to assets | 0.0910% | 3,289 |
| Net operating income to assets | 0.6999% | 3,794 |
| Return on assets (ROA) | 0.7064% | 3,850 |
| Pretax return on assets | 0.8890% | 3,809 |
| Return on Equity (ROE) | 6.5895% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.5895% | 1,636 |
| Net charge-offs to loans | 0.1875% | 2,965 |
| Credit loss provision to net charge-offs | 89.8204% | 2,761 |
| Earnings coverage of net charge-offs (x) | 9.5928% | 2,482 |
| Efficiency ratio | 78.3309% | 2,418 |
| Assets per employee ($millions) | 2.2341% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 5,813 |
| Loan loss allowance to noncurrent loans | 67.4437% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 3,384 |
| Noncurrent loans to loans | 1.3842% | 2,822 |
| Net loans and leases to total assets | 55.1563% | 4,441 |
| Net loans and leases to deposits | 63.8071% | 4,524 |
| Net loans and leases to core deposits | 66.4234% | 4,663 |
| Total domestic deposits to total assets | 86.4423% | 3,028 |
| Equity capital to assets | 10.8376% | 2,776 |
| Core capital (leverage) ratio | 10.3365% | 3,109 |
| Tier 1 risk-based capital ratio | 18.6828% | 2,017 |
| Total risk-based capital ratio | 19.6144% | 2,086 |
| Memoranda: | ||
| Average total assets | $329,705,200 | 1,958 |
| Average earning assets | $300,774,400 | 1,975 |
| Average equity | $35,344,200 | 1,952 |
| Average total loans | $178,148,200 | 2,217 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3515% | 2,781 |
| Cost of funding earning assets | 0.4626% | 4,140 |
| Net interest margin | 3.8889% | 2,314 |
| Noninterest income to average assets | 1.0532% | 1,316 |
| Noninterest expense to average assets | 3.4497% | 1,716 |
| Loan and lease loss provision to assets | 0.0909% | 3,249 |
| Net operating income to assets | 0.8189% | 3,255 |
| Return on assets (ROA) | 0.8274% | 3,331 |
| Pretax return on assets | 1.0661% | 3,238 |
| Return on Equity (ROE) | 7.7393% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.7393% | 1,528 |
| Net charge-offs to loans | 0.1748% | 2,825 |
| Credit loss provision to net charge-offs | 96.9828% | 2,467 |
| Earnings coverage of net charge-offs (x) | 12.2283% | 2,159 |
| Efficiency ratio | 74.5517% | 2,976 |
| Assets per employee ($millions) | 2.2477% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 5,964 |
| Loan loss allowance to noncurrent loans | 68.1336% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 3,513 |
| Noncurrent loans to loans | 1.3723% | 3,124 |
| Net loans and leases to total assets | 55.6049% | 4,374 |
| Net loans and leases to deposits | 64.3552% | 4,479 |
| Net loans and leases to core deposits | 67.1111% | 4,611 |
| Total domestic deposits to total assets | 86.4031% | 3,026 |
| Equity capital to assets | 10.7156% | 3,050 |
| Core capital (leverage) ratio | 10.2443% | 3,334 |
| Tier 1 risk-based capital ratio | 18.2047% | 2,244 |
| Total risk-based capital ratio | 19.1347% | 2,328 |
| Memoranda: | ||
| Average total assets | $330,028,500 | 1,964 |
| Average earning assets | $300,639,250 | 1,981 |
| Average equity | $35,282,250 | 1,969 |
| Average total loans | $176,973,500 | 2,236 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3964% | 2,576 |
| Cost of funding earning assets | 0.4696% | 4,210 |
| Net interest margin | 3.9268% | 2,124 |
| Noninterest income to average assets | 1.0627% | 1,356 |
| Noninterest expense to average assets | 3.4368% | 1,747 |
| Loan and lease loss provision to assets | 0.0909% | 3,270 |
| Net operating income to assets | 0.8603% | 2,989 |
| Return on assets (ROA) | 0.8603% | 3,143 |
| Pretax return on assets | 1.1088% | 3,060 |
| Return on Equity (ROE) | 8.0530% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.0530% | 1,464 |
| Net charge-offs to loans | 0.1769% | 2,702 |
| Credit loss provision to net charge-offs | 97.4026% | 2,295 |
| Earnings coverage of net charge-offs (x) | 12.8506% | 1,949 |
| Efficiency ratio | 73.6140% | 3,202 |
| Assets per employee ($millions) | 2.1881% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 5,931 |
| Loan loss allowance to noncurrent loans | 60.8619% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1882% | 3,372 |
| Noncurrent loans to loans | 1.5937% | 2,920 |
| Net loans and leases to total assets | 54.0332% | 4,583 |
| Net loans and leases to deposits | 62.2908% | 4,697 |
| Net loans and leases to core deposits | 65.0559% | 4,784 |
| Total domestic deposits to total assets | 86.7434% | 2,977 |
| Equity capital to assets | 10.6607% | 3,106 |
| Core capital (leverage) ratio | 9.9106% | 3,645 |
| Tier 1 risk-based capital ratio | 18.3497% | 2,195 |
| Total risk-based capital ratio | 19.3070% | 2,262 |
| Memoranda: | ||
| Average total assets | $329,902,670 | 1,969 |
| Average earning assets | $300,247,000 | 1,986 |
| Average equity | $35,241,330 | 1,974 |
| Average total loans | $174,146,000 | 2,269 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2095% | 3,269 |
| Cost of funding earning assets | 0.4764% | 4,313 |
| Net interest margin | 3.7331% | 2,724 |
| Noninterest income to average assets | 1.0848% | 1,254 |
| Noninterest expense to average assets | 3.3742% | 1,887 |
| Loan and lease loss provision to assets | 0.0907% | 3,149 |
| Net operating income to assets | 0.7897% | 3,221 |
| Return on assets (ROA) | 0.7897% | 3,353 |
| Pretax return on assets | 1.0123% | 3,298 |
| Return on Equity (ROE) | 7.3854% | 3,275 |
| Retained earnings to average equity (ytd only) | 7.3854% | 1,991 |
| Net charge-offs to loans | 0.1048% | 2,824 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 20.2667% | 1,193 |
| Efficiency ratio | 74.8514% | 3,116 |
| Assets per employee ($millions) | 2.2664% | 6,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 5,804 |
| Loan loss allowance to noncurrent loans | 39.0260% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 1.6971% | 2,744 |
| Noncurrent loans to loans | 2.6824% | 1,905 |
| Net loans and leases to total assets | 50.2461% | 4,957 |
| Net loans and leases to deposits | 57.7832% | 5,065 |
| Net loans and leases to core deposits | 60.1859% | 5,132 |
| Total domestic deposits to total assets | 86.9564% | 2,987 |
| Equity capital to assets | 10.7088% | 3,309 |
| Core capital (leverage) ratio | 9.8117% | 3,647 |
| Tier 1 risk-based capital ratio | 18.8613% | 2,078 |
| Total risk-based capital ratio | 19.8882% | 2,116 |
| Memoranda: | ||
| Average total assets | $330,746,500 | 1,983 |
| Average earning assets | $300,558,500 | 2,010 |
| Average equity | $35,367,000 | 1,994 |
| Average total loans | $171,678,000 | 2,306 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 3,878 |
| Cost of funding earning assets | 0.6382% | 4,023 |
| Net interest margin | 3.7461% | 3,460 |
| Noninterest income to average assets | 1.0750% | 1,348 |
| Noninterest expense to average assets | 3.3513% | 2,188 |
| Loan and lease loss provision to assets | 0.1240% | 4,063 |
| Net operating income to assets | 0.8002% | 3,286 |
| Return on assets (ROA) | 0.8002% | 3,538 |
| Pretax return on assets | 1.0418% | 3,393 |
| Return on Equity (ROE) | 8.0215% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.8632% | 2,797 |
| Net charge-offs to loans | 0.1959% | 3,809 |
| Credit loss provision to net charge-offs | 121.7765% | 2,346 |
| Earnings coverage of net charge-offs (x) | 11.4499% | 2,028 |
| Efficiency ratio | 73.6890% | 3,115 |
| Assets per employee ($millions) | 2.2335% | 6,808 |
| Cash dividends to net income (ytd only)* | 39.3729% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,963 |
| Loan loss allowance to noncurrent loans | 35.6033% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.6605% | 2,908 |
| Noncurrent loans to loans | 2.8074% | 1,877 |
| Net loans and leases to total assets | 52.5211% | 4,839 |
| Net loans and leases to deposits | 60.0884% | 5,019 |
| Net loans and leases to core deposits | 62.6357% | 5,094 |
| Total domestic deposits to total assets | 87.4065% | 2,572 |
| Equity capital to assets | 10.6772% | 3,316 |
| Core capital (leverage) ratio | 9.2685% | 4,477 |
| Tier 1 risk-based capital ratio | 18.3267% | 2,162 |
| Total risk-based capital ratio | 19.3282% | 2,209 |
| Memoranda: | ||
| Average total assets | $342,788,200 | 1,891 |
| Average earning assets | $314,964,800 | 1,884 |
| Average equity | $34,195,800 | 2,024 |
| Average total loans | $178,118,600 | 2,227 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 4,113 |
| Cost of funding earning assets | 0.6649% | 4,065 |
| Net interest margin | 3.7200% | 3,704 |
| Noninterest income to average assets | 0.9846% | 1,545 |
| Noninterest expense to average assets | 3.1970% | 2,579 |
| Loan and lease loss provision to assets | 0.1058% | 4,246 |
| Net operating income to assets | 0.8518% | 3,204 |
| Return on assets (ROA) | 0.8518% | 3,461 |
| Pretax return on assets | 1.1077% | 3,325 |
| Return on Equity (ROE) | 8.6831% | 2,958 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,349 |
| Net charge-offs to loans | 0.1921% | 3,582 |
| Credit loss provision to net charge-offs | 106.5891% | 2,754 |
| Earnings coverage of net charge-offs (x) | 12.2210% | 2,015 |
| Efficiency ratio | 71.9784% | 3,334 |
| Assets per employee ($millions) | 2.4540% | 6,736 |
| Cash dividends to net income (ytd only)* | 24.4012% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,301 |
| Loan loss allowance to noncurrent loans | 44.2632% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 3,773 |
| Noncurrent loans to loans | 2.1018% | 2,732 |
| Net loans and leases to total assets | 50.3388% | 5,274 |
| Net loans and leases to deposits | 56.9973% | 5,535 |
| Net loans and leases to core deposits | 59.1447% | 5,641 |
| Total domestic deposits to total assets | 88.3179% | 1,836 |
| Equity capital to assets | 9.8964% | 4,645 |
| Core capital (leverage) ratio | 9.1144% | 4,888 |
| Tier 1 risk-based capital ratio | 17.2868% | 2,611 |
| Total risk-based capital ratio | 18.1993% | 2,721 |
| Memoranda: | ||
| Average total assets | $346,403,500 | 1,892 |
| Average earning assets | $319,028,000 | 1,881 |
| Average equity | $33,980,750 | 2,050 |
| Average total loans | $179,102,750 | 2,241 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 3,923 |
| Cost of funding earning assets | 0.6978% | 4,029 |
| Net interest margin | 3.7662% | 3,510 |
| Noninterest income to average assets | 0.9940% | 1,486 |
| Noninterest expense to average assets | 3.1923% | 2,615 |
| Loan and lease loss provision to assets | 0.0874% | 4,490 |
| Net operating income to assets | 0.9008% | 2,903 |
| Return on assets (ROA) | 0.9008% | 3,173 |
| Pretax return on assets | 1.1828% | 3,006 |
| Return on Equity (ROE) | 9.2107% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.9935% | 2,719 |
| Net charge-offs to loans | 0.2756% | 2,937 |
| Credit loss provision to net charge-offs | 60.9756% | 3,772 |
| Earnings coverage of net charge-offs (x) | 8.8618% | 2,234 |
| Efficiency ratio | 71.0275% | 3,595 |
| Assets per employee ($millions) | 2.4297% | 6,814 |
| Cash dividends to net income (ytd only)* | 34.9288% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 6,537 |
| Loan loss allowance to noncurrent loans | 44.1350% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 3,934 |
| Noncurrent loans to loans | 1.9596% | 2,991 |
| Net loans and leases to total assets | 52.1267% | 5,080 |
| Net loans and leases to deposits | 59.0138% | 5,339 |
| Net loans and leases to core deposits | 61.1684% | 5,479 |
| Total domestic deposits to total assets | 88.3297% | 1,939 |
| Equity capital to assets | 9.9391% | 4,437 |
| Core capital (leverage) ratio | 9.0127% | 4,894 |
| Tier 1 risk-based capital ratio | 17.0660% | 2,642 |
| Total risk-based capital ratio | 17.9248% | 2,769 |
| Memoranda: | ||
| Average total assets | $343,262,330 | 1,900 |
| Average earning assets | $316,124,330 | 1,886 |
| Average equity | $33,569,670 | 2,059 |
| Average total loans | $178,536,670 | 2,252 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 3,766 |
| Cost of funding earning assets | 0.7250% | 4,079 |
| Net interest margin | 3.8128% | 3,334 |
| Noninterest income to average assets | 1.0117% | 1,399 |
| Noninterest expense to average assets | 3.1695% | 2,703 |
| Loan and lease loss provision to assets | 0.0876% | 4,277 |
| Net operating income to assets | 0.9627% | 2,629 |
| Return on assets (ROA) | 0.9627% | 2,826 |
| Pretax return on assets | 1.2688% | 2,655 |
| Return on Equity (ROE) | 9.9252% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.9252% | 1,285 |
| Net charge-offs to loans | 0.1852% | 2,996 |
| Credit loss provision to net charge-offs | 91.4634% | 2,520 |
| Earnings coverage of net charge-offs (x) | 14.1585% | 1,487 |
| Efficiency ratio | 69.5405% | 3,893 |
| Assets per employee ($millions) | 2.4512% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 6,487 |
| Loan loss allowance to noncurrent loans | 37.3844% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 1.5052% | 3,599 |
| Noncurrent loans to loans | 2.4695% | 2,638 |
| Net loans and leases to total assets | 51.1203% | 5,131 |
| Net loans and leases to deposits | 57.6632% | 5,423 |
| Net loans and leases to core deposits | 59.6017% | 5,567 |
| Total domestic deposits to total assets | 88.6533% | 1,913 |
| Equity capital to assets | 9.6798% | 4,550 |
| Core capital (leverage) ratio | 8.9907% | 4,854 |
| Tier 1 risk-based capital ratio | 17.0759% | 2,652 |
| Total risk-based capital ratio | 17.9901% | 2,749 |
| Memoranda: | ||
| Average total assets | $342,383,000 | 1,915 |
| Average earning assets | $315,572,500 | 1,897 |
| Average equity | $33,208,500 | 2,082 |
| Average total loans | $177,096,500 | 2,278 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 3,418 |
| Cost of funding earning assets | 0.8708% | 4,318 |
| Net interest margin | 4.0177% | 2,799 |
| Noninterest income to average assets | 1.0785% | 1,148 |
| Noninterest expense to average assets | 3.5053% | 1,965 |
| Loan and lease loss provision to assets | 0.1250% | 5,045 |
| Net operating income to assets | 0.8621% | 2,762 |
| Return on assets (ROA) | 0.8663% | 2,891 |
| Pretax return on assets | 1.1352% | 2,708 |
| Return on Equity (ROE) | 9.1538% | 2,386 |
| Retained earnings to average equity (ytd only) | 7.3966% | 1,316 |
| Net charge-offs to loans | 0.3040% | 3,875 |
| Credit loss provision to net charge-offs | 78.2274% | 4,541 |
| Earnings coverage of net charge-offs (x) | 7.8497% | 2,247 |
| Efficiency ratio | 73.1366% | 3,370 |
| Assets per employee ($millions) | 2.4399% | 6,882 |
| Cash dividends to net income (ytd only)* | 19.1966% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,385 |
| Loan loss allowance to noncurrent loans | 39.4550% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5049% | 3,693 |
| Noncurrent loans to loans | 2.4169% | 2,711 |
| Net loans and leases to total assets | 51.3625% | 5,409 |
| Net loans and leases to deposits | 58.0267% | 5,696 |
| Net loans and leases to core deposits | 60.2929% | 5,823 |
| Total domestic deposits to total assets | 88.5153% | 1,843 |
| Equity capital to assets | 9.7193% | 4,566 |
| Core capital (leverage) ratio | 8.8905% | 4,961 |
| Tier 1 risk-based capital ratio | 16.8022% | 2,690 |
| Total risk-based capital ratio | 17.7306% | 2,795 |
| Memoranda: | ||
| Average total assets | $324,708,800 | 1,985 |
| Average earning assets | $297,533,600 | 1,971 |
| Average equity | $30,730,400 | 2,143 |
| Average total loans | $170,748,000 | 2,366 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 3,465 |
| Cost of funding earning assets | 0.8977% | 4,416 |
| Net interest margin | 4.0240% | 2,810 |
| Noninterest income to average assets | 1.0204% | 1,293 |
| Noninterest expense to average assets | 3.4196% | 2,142 |
| Loan and lease loss provision to assets | 0.0995% | 5,214 |
| Net operating income to assets | 0.8978% | 2,745 |
| Return on assets (ROA) | 0.9035% | 2,866 |
| Pretax return on assets | 1.1928% | 2,662 |
| Return on Equity (ROE) | 9.6144% | 2,342 |
| Retained earnings to average equity (ytd only) | 7.2328% | 1,848 |
| Net charge-offs to loans | 0.0228% | 5,830 |
| Credit loss provision to net charge-offs | 827.5862% | 321 |
| Earnings coverage of net charge-offs (x) | 106.8847% | 342 |
| Efficiency ratio | 72.1787% | 3,518 |
| Assets per employee ($millions) | 2.4325% | 6,954 |
| Cash dividends to net income (ytd only)* | 24.7706% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,797 |
| Loan loss allowance to noncurrent loans | 46.4394% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 3,851 |
| Noncurrent loans to loans | 2.4188% | 2,864 |
| Net loans and leases to total assets | 51.4104% | 5,525 |
| Net loans and leases to deposits | 58.0345% | 5,839 |
| Net loans and leases to core deposits | 60.2132% | 5,978 |
| Total domestic deposits to total assets | 88.5859% | 1,704 |
| Equity capital to assets | 9.4391% | 5,180 |
| Core capital (leverage) ratio | 8.9262% | 5,059 |
| Tier 1 risk-based capital ratio | 16.2678% | 2,983 |
| Total risk-based capital ratio | 17.3654% | 3,021 |
| Memoranda: | ||
| Average total assets | $321,710,750 | 2,007 |
| Average earning assets | $294,524,750 | 1,994 |
| Average equity | $30,231,750 | 2,182 |
| Average total loans | $169,784,250 | 2,394 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 3,398 |
| Cost of funding earning assets | 0.9280% | 4,467 |
| Net interest margin | 4.0215% | 2,735 |
| Noninterest income to average assets | 1.0728% | 1,140 |
| Noninterest expense to average assets | 3.5634% | 1,829 |
| Loan and lease loss provision to assets | 0.1046% | 5,004 |
| Net operating income to assets | 0.8275% | 2,951 |
| Return on assets (ROA) | 0.8363% | 3,027 |
| Pretax return on assets | 1.0899% | 2,888 |
| Return on Equity (ROE) | 8.9140% | 2,553 |
| Retained earnings to average equity (ytd only) | 5.2646% | 2,831 |
| Net charge-offs to loans | -0.0072% | 6,630 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5525% | 3,263 |
| Assets per employee ($millions) | 2.2459% | 7,157 |
| Cash dividends to net income (ytd only)* | 40.9401% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,933 |
| Loan loss allowance to noncurrent loans | 41.9230% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7446% | 3,584 |
| Noncurrent loans to loans | 2.6385% | 2,749 |
| Net loans and leases to total assets | 54.6375% | 5,203 |
| Net loans and leases to deposits | 61.8376% | 5,521 |
| Net loans and leases to core deposits | 64.2594% | 5,699 |
| Total domestic deposits to total assets | 88.3564% | 1,939 |
| Equity capital to assets | 9.6475% | 4,600 |
| Core capital (leverage) ratio | 9.0043% | 4,718 |
| Tier 1 risk-based capital ratio | 15.6900% | 3,136 |
| Total risk-based capital ratio | 16.7594% | 3,184 |
| Memoranda: | ||
| Average total assets | $315,430,330 | 2,043 |
| Average earning assets | $288,152,330 | 2,051 |
| Average equity | $29,594,000 | 2,206 |
| Average total loans | $167,356,330 | 2,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 3,402 |
| Cost of funding earning assets | 0.9499% | 4,566 |
| Net interest margin | 3.9825% | 2,760 |
| Noninterest income to average assets | 1.1005% | 1,083 |
| Noninterest expense to average assets | 3.5118% | 1,972 |
| Loan and lease loss provision to assets | 0.0383% | 5,514 |
| Net operating income to assets | 0.9105% | 2,510 |
| Return on assets (ROA) | 0.9105% | 2,568 |
| Pretax return on assets | 1.1859% | 2,431 |
| Return on Equity (ROE) | 9.8459% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.3994% | 4,714 |
| Net charge-offs to loans | -0.1227% | 7,143 |
| Credit loss provision to net charge-offs | -60.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6403% | 3,583 |
| Assets per employee ($millions) | 2.2165% | 7,245 |
| Cash dividends to net income (ytd only)* | 75.6303% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,903 |
| Loan loss allowance to noncurrent loans | 78.5624% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.1010% | 4,720 |
| Noncurrent loans to loans | 1.4464% | 4,298 |
| Net loans and leases to total assets | 50.6473% | 5,759 |
| Net loans and leases to deposits | 57.0469% | 6,021 |
| Net loans and leases to core deposits | 59.2610% | 6,166 |
| Total domestic deposits to total assets | 88.7818% | 1,909 |
| Equity capital to assets | 9.1751% | 4,910 |
| Core capital (leverage) ratio | 8.8518% | 4,849 |
| Tier 1 risk-based capital ratio | 15.8009% | 2,997 |
| Total risk-based capital ratio | 16.8511% | 3,066 |
| Memoranda: | ||
| Average total assets | $313,684,500 | 2,076 |
| Average earning assets | $286,353,000 | 2,073 |
| Average equity | $29,007,000 | 2,230 |
| Average total loans | $162,934,500 | 2,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4653% | 2,414 |
| Cost of funding earning assets | 1.0879% | 5,200 |
| Net interest margin | 4.3775% | 1,563 |
| Noninterest income to average assets | 1.2991% | 871 |
| Noninterest expense to average assets | 3.8908% | 1,332 |
| Loan and lease loss provision to assets | 0.1904% | 5,327 |
| Net operating income to assets | 0.9042% | 2,368 |
| Return on assets (ROA) | 0.9097% | 2,482 |
| Pretax return on assets | 1.1908% | 2,251 |
| Return on Equity (ROE) | 9.2716% | 2,187 |
| Retained earnings to average equity (ytd only) | 7.3665% | 1,187 |
| Net charge-offs to loans | 0.3870% | 4,103 |
| Credit loss provision to net charge-offs | 84.6154% | 5,361 |
| Earnings coverage of net charge-offs (x) | 6.1062% | 2,439 |
| Efficiency ratio | 73.3908% | 3,507 |
| Assets per employee ($millions) | 2.1109% | 7,358 |
| Cash dividends to net income (ytd only)* | 20.5479% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 5,965 |
| Loan loss allowance to noncurrent loans | 99.8316% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 5,204 |
| Noncurrent loans to loans | 1.0970% | 4,907 |
| Net loans and leases to total assets | 52.1034% | 5,893 |
| Net loans and leases to deposits | 58.7174% | 6,186 |
| Net loans and leases to core deposits | 60.9661% | 6,318 |
| Total domestic deposits to total assets | 88.7359% | 1,804 |
| Equity capital to assets | 9.3218% | 4,658 |
| Core capital (leverage) ratio | 9.0788% | 4,396 |
| Tier 1 risk-based capital ratio | 15.9328% | 2,782 |
| Total risk-based capital ratio | 16.9531% | 2,855 |
| Memoranda: | ||
| Average total assets | $288,888,600 | 2,222 |
| Average earning assets | $261,703,800 | 2,237 |
| Average equity | $28,344,600 | 2,296 |
| Average total loans | $167,956,200 | 2,501 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 2,117 |
| Cost of funding earning assets | 1.1024% | 5,401 |
| Net interest margin | 4.4840% | 1,296 |
| Noninterest income to average assets | 1.3213% | 783 |
| Noninterest expense to average assets | 3.7193% | 1,528 |
| Loan and lease loss provision to assets | 0.1877% | 5,166 |
| Net operating income to assets | 1.0980% | 1,891 |
| Return on assets (ROA) | 1.1054% | 1,974 |
| Pretax return on assets | 1.4790% | 1,663 |
| Return on Equity (ROE) | 11.1154% | 1,749 |
| Retained earnings to average equity (ytd only) | 8.5666% | 1,217 |
| Net charge-offs to loans | 0.4606% | 3,449 |
| Credit loss provision to net charge-offs | 68.3761% | 5,464 |
| Earnings coverage of net charge-offs (x) | 6.0342% | 2,613 |
| Efficiency ratio | 68.6747% | 4,338 |
| Assets per employee ($millions) | 2.0142% | 7,514 |
| Cash dividends to net income (ytd only)* | 22.9299% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,375 |
| Loan loss allowance to noncurrent loans | 51.2409% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 4,382 |
| Noncurrent loans to loans | 1.9598% | 3,736 |
| Net loans and leases to total assets | 56.7539% | 5,451 |
| Net loans and leases to deposits | 64.6642% | 5,828 |
| Net loans and leases to core deposits | 67.4694% | 5,995 |
| Total domestic deposits to total assets | 87.7671% | 2,117 |
| Equity capital to assets | 10.0926% | 4,034 |
| Core capital (leverage) ratio | 9.4381% | 4,005 |
| Tier 1 risk-based capital ratio | 15.4099% | 3,042 |
| Total risk-based capital ratio | 16.3584% | 3,183 |
| Memoranda: | ||
| Average total assets | $284,063,000 | 2,287 |
| Average earning assets | $256,878,750 | 2,315 |
| Average equity | $28,248,500 | 2,330 |
| Average total loans | $169,356,250 | 2,523 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6644% | 1,893 |
| Cost of funding earning assets | 1.1196% | 5,573 |
| Net interest margin | 4.5447% | 1,109 |
| Noninterest income to average assets | 1.3152% | 736 |
| Noninterest expense to average assets | 3.7795% | 1,399 |
| Loan and lease loss provision to assets | 0.1781% | 5,087 |
| Net operating income to assets | 1.0734% | 1,938 |
| Return on assets (ROA) | 1.0843% | 1,978 |
| Pretax return on assets | 1.4790% | 1,619 |
| Return on Equity (ROE) | 10.9608% | 1,767 |
| Retained earnings to average equity (ytd only) | 7.0720% | 1,802 |
| Net charge-offs to loans | 0.7110% | 2,437 |
| Credit loss provision to net charge-offs | 41.4594% | 5,591 |
| Earnings coverage of net charge-offs (x) | 3.8226% | 3,170 |
| Efficiency ratio | 69.1984% | 4,332 |
| Assets per employee ($millions) | 1.9328% | 7,608 |
| Cash dividends to net income (ytd only)* | 35.4796% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 6,818 |
| Loan loss allowance to noncurrent loans | 51.1573% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 4,380 |
| Noncurrent loans to loans | 1.7249% | 4,105 |
| Net loans and leases to total assets | 60.2892% | 5,004 |
| Net loans and leases to deposits | 68.9739% | 5,418 |
| Net loans and leases to core deposits | 71.9513% | 5,675 |
| Total domestic deposits to total assets | 87.4088% | 2,321 |
| Equity capital to assets | 10.0445% | 3,963 |
| Core capital (leverage) ratio | 9.4960% | 3,828 |
| Tier 1 risk-based capital ratio | 14.9314% | 3,190 |
| Total risk-based capital ratio | 15.7788% | 3,390 |
| Memoranda: | ||
| Average total assets | $280,728,000 | 2,326 |
| Average earning assets | $253,656,330 | 2,362 |
| Average equity | $27,771,670 | 2,351 |
| Average total loans | $169,612,330 | 2,552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 1,997 |
| Cost of funding earning assets | 1.1399% | 5,704 |
| Net interest margin | 4.4974% | 1,148 |
| Noninterest income to average assets | 1.4063% | 613 |
| Noninterest expense to average assets | 3.8763% | 1,214 |
| Loan and lease loss provision to assets | 0.2509% | 4,036 |
| Net operating income to assets | 0.9812% | 2,254 |
| Return on assets (ROA) | 1.0035% | 2,234 |
| Pretax return on assets | 1.3647% | 1,865 |
| Return on Equity (ROE) | 10.2235% | 2,032 |
| Retained earnings to average equity (ytd only) | 2.3368% | 4,738 |
| Net charge-offs to loans | 0.3357% | 3,067 |
| Credit loss provision to net charge-offs | 124.1135% | 2,827 |
| Earnings coverage of net charge-offs (x) | 7.8440% | 2,029 |
| Efficiency ratio | 70.4462% | 4,227 |
| Assets per employee ($millions) | 1.9139% | 7,710 |
| Cash dividends to net income (ytd only)* | 77.1429% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,880 |
| Loan loss allowance to noncurrent loans | 48.1612% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 3,927 |
| Noncurrent loans to loans | 2.3394% | 3,342 |
| Net loans and leases to total assets | 59.6388% | 5,182 |
| Net loans and leases to deposits | 67.7704% | 5,620 |
| Net loans and leases to core deposits | 77.0437% | 5,134 |
| Total domestic deposits to total assets | 88.0013% | 2,058 |
| Equity capital to assets | 9.7787% | 4,138 |
| Core capital (leverage) ratio | 9.3544% | 3,965 |
| Tier 1 risk-based capital ratio | 14.5214% | 3,364 |
| Total risk-based capital ratio | 15.5881% | 3,434 |
| Memoranda: | ||
| Average total assets | $279,028,500 | 2,399 |
| Average earning assets | $251,609,500 | 2,432 |
| Average equity | $27,388,000 | 2,411 |
| Average total loans | $168,007,000 | 2,642 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 1,146 |
| Cost of funding earning assets | 1.4332% | 5,791 |
| Net interest margin | 4.8039% | 689 |
| Noninterest income to average assets | 1.3934% | 757 |
| Noninterest expense to average assets | 4.3161% | 969 |
| Loan and lease loss provision to assets | 0.0387% | 7,160 |
| Net operating income to assets | 1.0267% | 1,756 |
| Return on assets (ROA) | 1.0342% | 1,769 |
| Pretax return on assets | 1.3393% | 1,586 |
| Return on Equity (ROE) | 10.0135% | 1,686 |
| Retained earnings to average equity (ytd only) | 4.2653% | 2,241 |
| Net charge-offs to loans | 0.2418% | 5,113 |
| Credit loss provision to net charge-offs | 25.4453% | 6,921 |
| Earnings coverage of net charge-offs (x) | 9.0025% | 1,853 |
| Efficiency ratio | 75.3980% | 3,635 |
| Assets per employee ($millions) | 1.9350% | 7,763 |
| Cash dividends to net income (ytd only)* | 57.4046% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1292% | 5,752 |
| Loan loss allowance to noncurrent loans | 48.2280% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.6523% | 3,898 |
| Noncurrent loans to loans | 2.3414% | 3,244 |
| Net loans and leases to total assets | 59.4239% | 5,430 |
| Net loans and leases to deposits | 67.6508% | 5,873 |
| Net loans and leases to core deposits | 79.8256% | 6,118 |
| Total domestic deposits to total assets | 87.8393% | 2,052 |
| Equity capital to assets | 9.8529% | 3,941 |
| Core capital (leverage) ratio | 9.2739% | 4,013 |
| Tier 1 risk-based capital ratio | 14.7356% | 3,085 |
| Total risk-based capital ratio | 15.8062% | 3,124 |
| Memoranda: | ||
| Average total assets | $258,568,000 | 2,535 |
| Average earning assets | $230,955,800 | 2,589 |
| Average equity | $26,704,000 | 2,472 |
| Average total loans | $162,560,000 | 2,721 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3687% | 985 |
| Cost of funding earning assets | 1.5041% | 5,804 |
| Net interest margin | 4.8646% | 601 |
| Noninterest income to average assets | 1.4538% | 703 |
| Noninterest expense to average assets | 4.2917% | 922 |
| Loan and lease loss provision to assets | 0.0131% | 7,202 |
| Net operating income to assets | 1.0800% | 1,797 |
| Return on assets (ROA) | 1.0896% | 1,828 |
| Pretax return on assets | 1.4943% | 1,431 |
| Return on Equity (ROE) | 10.4199% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.6844% | 1,237 |
| Net charge-offs to loans | 0.1411% | 5,293 |
| Credit loss provision to net charge-offs | 14.6199% | 6,600 |
| Earnings coverage of net charge-offs (x) | 16.6495% | 1,458 |
| Efficiency ratio | 73.6484% | 3,930 |
| Assets per employee ($millions) | 1.8390% | 7,877 |
| Cash dividends to net income (ytd only)* | 26.2525% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 5,263 |
| Loan loss allowance to noncurrent loans | 47.3463% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.8244% | 3,613 |
| Noncurrent loans to loans | 2.4821% | 3,037 |
| Net loans and leases to total assets | 62.9905% | 5,069 |
| Net loans and leases to deposits | 72.2144% | 5,612 |
| Net loans and leases to core deposits | 84.6028% | 5,993 |
| Total domestic deposits to total assets | 87.2270% | 2,063 |
| Equity capital to assets | 10.3723% | 3,654 |
| Core capital (leverage) ratio | 10.0229% | 3,253 |
| Tier 1 risk-based capital ratio | 14.7648% | 3,152 |
| Total risk-based capital ratio | 15.9051% | 3,146 |
| Memoranda: | ||
| Average total assets | $254,032,500 | 2,582 |
| Average earning assets | $226,225,750 | 2,657 |
| Average equity | $26,564,000 | 2,500 |
| Average total loans | $161,622,500 | 2,763 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3820% | 1,043 |
| Cost of funding earning assets | 1.5794% | 5,811 |
| Net interest margin | 4.8026% | 648 |
| Noninterest income to average assets | 1.5262% | 637 |
| Noninterest expense to average assets | 4.2382% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1607% | 1,583 |
| Return on assets (ROA) | 1.1746% | 1,633 |
| Pretax return on assets | 1.6227% | 1,163 |
| Return on Equity (ROE) | 11.1998% | 1,645 |
| Retained earnings to average equity (ytd only) | 7.0190% | 1,577 |
| Net charge-offs to loans | 0.3037% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.3042% | 2,285 |
| Efficiency ratio | 72.0149% | 4,406 |
| Assets per employee ($millions) | 1.7538% | 8,003 |
| Cash dividends to net income (ytd only)* | 37.3288% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 5,298 |
| Loan loss allowance to noncurrent loans | 48.4689% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7833% | 3,507 |
| Noncurrent loans to loans | 2.3625% | 3,064 |
| Net loans and leases to total assets | 65.1073% | 4,742 |
| Net loans and leases to deposits | 75.6475% | 5,221 |
| Net loans and leases to core deposits | 88.9706% | 5,635 |
| Total domestic deposits to total assets | 86.0667% | 2,748 |
| Equity capital to assets | 10.4527% | 3,464 |
| Core capital (leverage) ratio | 9.9466% | 3,352 |
| Tier 1 risk-based capital ratio | 14.7183% | 3,137 |
| Total risk-based capital ratio | 14.7183% | 3,772 |
| Memoranda: | ||
| Average total assets | $248,598,000 | 2,649 |
| Average earning assets | $223,379,670 | 2,705 |
| Average equity | $26,072,000 | 2,552 |
| Average total loans | $158,059,670 | 2,854 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3382% | 1,193 |
| Cost of funding earning assets | 1.6513% | 5,810 |
| Net interest margin | 4.6869% | 787 |
| Noninterest income to average assets | 1.5077% | 622 |
| Noninterest expense to average assets | 4.1785% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1240% | 1,884 |
| Return on assets (ROA) | 1.1287% | 1,994 |
| Pretax return on assets | 1.5502% | 1,534 |
| Return on Equity (ROE) | 10.7440% | 2,047 |
| Retained earnings to average equity (ytd only) | 2.2701% | 4,615 |
| Net charge-offs to loans | 0.3011% | 2,906 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 8.2174% | 2,226 |
| Efficiency ratio | 72.4807% | 4,113 |
| Assets per employee ($millions) | 1.6620% | 8,073 |
| Cash dividends to net income (ytd only)* | 78.8712% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 3,988 |
| Loan loss allowance to noncurrent loans | 59.5942% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 3,644 |
| Noncurrent loans to loans | 2.2077% | 2,965 |
| Net loans and leases to total assets | 61.8599% | 5,360 |
| Net loans and leases to deposits | 71.3440% | 5,824 |
| Net loans and leases to core deposits | 83.6532% | 6,089 |
| Total domestic deposits to total assets | 86.7065% | 2,360 |
| Equity capital to assets | 10.4251% | 3,542 |
| Core capital (leverage) ratio | 10.1220% | 3,273 |
| Tier 1 risk-based capital ratio | 15.0075% | 3,066 |
| Total risk-based capital ratio | 16.2519% | 3,002 |
| Memoranda: | ||
| Average total assets | $244,873,000 | 2,710 |
| Average earning assets | $220,188,000 | 2,759 |
| Average equity | $25,726,000 | 2,592 |
| Average total loans | $152,771,000 | 2,961 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0763% | 953 |
| Cost of funding earning assets | 2.1309% | 5,927 |
| Net interest margin | 4.9454% | 577 |
| Noninterest income to average assets | 1.5556% | 580 |
| Noninterest expense to average assets | 4.4960% | 883 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0899% | 2,185 |
| Return on assets (ROA) | 1.0899% | 2,101 |
| Pretax return on assets | 1.4559% | 1,804 |
| Return on Equity (ROE) | 10.3037% | 2,160 |
| Retained earnings to average equity (ytd only) | 8.1127% | 812 |
| Net charge-offs to loans | 0.3545% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 6.7762% | 3,275 |
| Efficiency ratio | 74.9709% | 3,404 |
| Assets per employee ($millions) | 1.6137% | 8,130 |
| Cash dividends to net income (ytd only)* | 21.2639% | 4,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 2,899 |
| Loan loss allowance to noncurrent loans | 58.9305% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.6860% | 2,884 |
| Noncurrent loans to loans | 2.4680% | 2,215 |
| Net loans and leases to total assets | 61.1772% | 5,743 |
| Net loans and leases to deposits | 71.1039% | 6,154 |
| Net loans and leases to core deposits | 82.0643% | 6,461 |
| Total domestic deposits to total assets | 86.0392% | 2,382 |
| Equity capital to assets | 10.5896% | 3,403 |
| Core capital (leverage) ratio | 10.3242% | 3,153 |
| Tier 1 risk-based capital ratio | 15.6969% | 2,781 |
| Total risk-based capital ratio | 16.9486% | 2,711 |
| Memoranda: | ||
| Average total assets | $230,850,600 | 2,755 |
| Average earning assets | $205,219,600 | 2,834 |
| Average equity | $24,418,400 | 2,696 |
| Average total loans | $139,918,800 | 3,101 |