Home > First National Bank of Steeleville > Performance and Condition Ratios
First National Bank of Steeleville, 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 | 4.6483% | 2,789 |
| Cost of funding earning assets | 0.9344% | 3,449 |
| Net interest margin | 3.7139% | 1,734 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.3704% | 2,665 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5157% | 984 |
| Return on assets (ROA) | 1.3632% | 1,260 |
| Pretax return on assets | 1.3824% | 1,672 |
| Return on Equity (ROE) | 14.9800% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.5078% | 1,701 |
| Net charge-offs to loans | 0.0270% | 1,779 |
| Credit loss provision to net charge-offs | 421.4286% | 759 |
| Earnings coverage of net charge-offs (x) | 138.0357% | 751 |
| Efficiency ratio | 59.5627% | 3,131 |
| Assets per employee ($millions) | 6.6079% | 2,337 |
| Cash dividends to net income (ytd only)* | 49.8778% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,526 |
| Loan loss allowance to noncurrent loans | 163.2844% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 1,728 |
| Noncurrent loans to loans | 0.7074% | 1,101 |
| Net loans and leases to total assets | 42.8000% | 3,944 |
| Net loans and leases to deposits | 54.1641% | 3,788 |
| Net loans and leases to core deposits | 59.5847% | 3,775 |
| Total domestic deposits to total assets | 79.0300% | 3,607 |
| Equity capital to assets | 9.8792% | 2,075 |
| Core capital (leverage) ratio | 14.3432% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0845% | 422 |
| Memoranda: | ||
| Average total assets | $240,169,200 | 2,737 |
| Average earning assets | $218,425,000 | 2,753 |
| Average equity | $21,857,400 | 2,710 |
| Average total loans | $103,710,200 | 3,136 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5569% | 2,786 |
| Cost of funding earning assets | 0.8621% | 3,370 |
| Net interest margin | 3.6948% | 1,789 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.3333% | 2,695 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.5797% | 965 |
| Return on assets (ROA) | 1.4521% | 1,198 |
| Pretax return on assets | 1.4722% | 1,626 |
| Return on Equity (ROE) | 16.3100% | 1,199 |
| Retained earnings to average equity (ytd only) | 11.3514% | 1,099 |
| Net charge-offs to loans | 0.0090% | 2,073 |
| Credit loss provision to net charge-offs | 14.2857% | 2,023 |
| Earnings coverage of net charge-offs (x) | 417.2857% | 351 |
| Efficiency ratio | 58.8881% | 3,100 |
| Assets per employee ($millions) | 6.0570% | 2,699 |
| Cash dividends to net income (ytd only)* | 30.4147% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 3,025 |
| Loan loss allowance to noncurrent loans | 104.2553% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 1,274 |
| Noncurrent loans to loans | 1.0251% | 785 |
| Net loans and leases to total assets | 44.1600% | 3,908 |
| Net loans and leases to deposits | 51.0844% | 3,896 |
| Net loans and leases to core deposits | 55.5985% | 3,870 |
| Total domestic deposits to total assets | 86.4500% | 2,057 |
| Equity capital to assets | 8.8459% | 2,507 |
| Core capital (leverage) ratio | 14.4485% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9404% | 388 |
| Memoranda: | ||
| Average total assets | $239,088,250 | 2,753 |
| Average earning assets | $217,599,500 | 2,768 |
| Average equity | $21,283,250 | 2,740 |
| Average total loans | $103,169,250 | 3,141 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 2,851 |
| Cost of funding earning assets | 0.7795% | 3,269 |
| Net interest margin | 3.6349% | 1,959 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.2521% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6178% | 918 |
| Return on assets (ROA) | 1.4272% | 1,248 |
| Pretax return on assets | 1.4472% | 1,705 |
| Return on Equity (ROE) | 16.0000% | 1,265 |
| Retained earnings to average equity (ytd only) | 10.6107% | 1,263 |
| Net charge-offs to loans | -0.0098% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.8677% | 3,202 |
| Assets per employee ($millions) | 6.1334% | 2,590 |
| Cash dividends to net income (ytd only)* | 33.6836% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,269 |
| Loan loss allowance to noncurrent loans | 138.6598% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 1,622 |
| Noncurrent loans to loans | 0.7464% | 1,012 |
| Net loans and leases to total assets | 43.0100% | 3,920 |
| Net loans and leases to deposits | 49.6068% | 3,933 |
| Net loans and leases to core deposits | 53.8854% | 3,894 |
| Total domestic deposits to total assets | 86.7000% | 2,024 |
| Equity capital to assets | 9.2925% | 2,317 |
| Core capital (leverage) ratio | 14.1018% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9108% | 432 |
| Memoranda: | ||
| Average total assets | $240,043,667 | 2,749 |
| Average earning assets | $218,604,000 | 2,771 |
| Average equity | $21,412,333 | 2,745 |
| Average total loans | $102,408,333 | 3,149 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,885 |
| Cost of funding earning assets | 0.6975% | 3,065 |
| Net interest margin | 3.5682% | 2,198 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.2373% | 2,996 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 1.5792% | 1,017 |
| Return on assets (ROA) | 1.3058% | 1,622 |
| Pretax return on assets | 1.3224% | 2,109 |
| Return on Equity (ROE) | 14.9500% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.0745% | 2,198 |
| Net charge-offs to loans | -0.0118% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7336% | 3,103 |
| Assets per employee ($millions) | 6.2269% | 2,559 |
| Cash dividends to net income (ytd only)* | 45.9873% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,058 |
| Loan loss allowance to noncurrent loans | 158.4158% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 1,701 |
| Noncurrent loans to loans | 0.6942% | 1,095 |
| Net loans and leases to total assets | 41.4700% | 3,976 |
| Net loans and leases to deposits | 47.6307% | 3,973 |
| Net loans and leases to core deposits | 51.5461% | 3,933 |
| Total domestic deposits to total assets | 87.0700% | 2,241 |
| Equity capital to assets | 9.1175% | 2,430 |
| Core capital (leverage) ratio | 13.8410% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5722% | 408 |
| Memoranda: | ||
| Average total assets | $240,463,500 | 2,789 |
| Average earning assets | $218,486,500 | 2,805 |
| Average equity | $21,004,500 | 2,797 |
| Average total loans | $101,632,000 | 3,195 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 3,566 |
| Cost of funding earning assets | 0.4211% | 1,932 |
| Net interest margin | 2.8889% | 3,705 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.1050% | 3,279 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1040% | 2,158 |
| Return on assets (ROA) | 0.9691% | 2,622 |
| Pretax return on assets | 0.9715% | 3,155 |
| Return on Equity (ROE) | 9.7700% | 2,876 |
| Retained earnings to average equity (ytd only) | 4.0808% | 3,367 |
| Net charge-offs to loans | -0.0694% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.1481% | 2,343 |
| Assets per employee ($millions) | 6.1045% | 2,674 |
| Cash dividends to net income (ytd only)* | 58.2278% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,805 |
| Loan loss allowance to noncurrent loans | 127.4466% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 1,369 |
| Noncurrent loans to loans | 0.8765% | 847 |
| Net loans and leases to total assets | 42.1300% | 3,970 |
| Net loans and leases to deposits | 52.1753% | 3,792 |
| Net loans and leases to core deposits | 56.8599% | 3,686 |
| Total domestic deposits to total assets | 80.7400% | 3,790 |
| Equity capital to assets | 8.3448% | 2,820 |
| Core capital (leverage) ratio | 13.7846% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0410% | 418 |
| Memoranda: | ||
| Average total assets | $244,560,800 | 2,760 |
| Average earning assets | $224,411,400 | 2,778 |
| Average equity | $24,260,000 | 2,619 |
| Average total loans | $97,929,400 | 3,178 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0871% | 3,699 |
| Cost of funding earning assets | 0.3675% | 1,543 |
| Net interest margin | 2.7196% | 3,889 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.0754% | 3,281 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9776% | 2,554 |
| Return on assets (ROA) | 0.9413% | 2,669 |
| Pretax return on assets | 0.9413% | 3,205 |
| Return on Equity (ROE) | 9.1400% | 2,996 |
| Retained earnings to average equity (ytd only) | 6.1201% | 2,713 |
| Net charge-offs to loans | -0.0769% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.3817% | 2,104 |
| Assets per employee ($millions) | 6.3137% | 2,480 |
| Cash dividends to net income (ytd only)* | 33.0265% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 2,859 |
| Loan loss allowance to noncurrent loans | 244.6623% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 2,188 |
| Noncurrent loans to loans | 0.4638% | 1,641 |
| Net loans and leases to total assets | 40.7800% | 4,042 |
| Net loans and leases to deposits | 46.2790% | 4,014 |
| Net loans and leases to core deposits | 50.0632% | 3,943 |
| Total domestic deposits to total assets | 88.1200% | 2,387 |
| Equity capital to assets | 8.0151% | 2,879 |
| Core capital (leverage) ratio | 13.5529% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0332% | 376 |
| Memoranda: | ||
| Average total assets | $246,182,000 | 2,768 |
| Average earning assets | $226,742,000 | 2,778 |
| Average equity | $25,358,250 | 2,606 |
| Average total loans | $97,055,000 | 3,204 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8678% | 3,857 |
| Cost of funding earning assets | 0.3469% | 1,296 |
| Net interest margin | 2.5209% | 4,054 |
| Noninterest income to average assets | 0.5550% | 1,921 |
| Noninterest expense to average assets | 2.0502% | 3,293 |
| Loan and lease loss provision to assets | 0.0226% | 2,193 |
| Net operating income to assets | 0.8064% | 2,932 |
| Return on assets (ROA) | 0.8064% | 2,903 |
| Pretax return on assets | 0.8064% | 3,308 |
| Return on Equity (ROE) | 7.3063% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.6276% | 2,841 |
| Net charge-offs to loans | -0.0332% | 4,084 |
| Credit loss provision to net charge-offs | -175.0000% | 3,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2087% | 1,806 |
| Assets per employee ($millions) | 6.3987% | 2,390 |
| Cash dividends to net income (ytd only)* | 36.6633% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,078 |
| Loan loss allowance to noncurrent loans | 145.3425% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,721 |
| Noncurrent loans to loans | 0.7703% | 1,113 |
| Net loans and leases to total assets | 38.5406% | 4,145 |
| Net loans and leases to deposits | 44.3114% | 4,100 |
| Net loans and leases to core deposits | 48.2281% | 4,015 |
| Total domestic deposits to total assets | 86.9767% | 2,945 |
| Equity capital to assets | 9.2824% | 2,179 |
| Core capital (leverage) ratio | 13.0881% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7377% | 379 |
| Memoranda: | ||
| Average total assets | $248,269,000 | 2,787 |
| Average earning assets | $228,889,333 | 2,803 |
| Average equity | $27,401,000 | 2,559 |
| Average total loans | $96,419,333 | 3,237 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7221% | 3,898 |
| Cost of funding earning assets | 0.3394% | 1,291 |
| Net interest margin | 2.3827% | 4,102 |
| Noninterest income to average assets | 0.5294% | 1,997 |
| Noninterest expense to average assets | 2.0349% | 3,341 |
| Loan and lease loss provision to assets | 0.0175% | 2,040 |
| Net operating income to assets | 0.6825% | 3,116 |
| Return on assets (ROA) | 0.6825% | 3,106 |
| Pretax return on assets | 0.6825% | 3,436 |
| Return on Equity (ROE) | 5.7418% | 3,420 |
| Retained earnings to average equity (ytd only) | 3.5953% | 3,075 |
| Net charge-offs to loans | 0.0165% | 1,207 |
| Credit loss provision to net charge-offs | 275.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 109.7500% | 642 |
| Efficiency ratio | 74.4023% | 1,697 |
| Assets per employee ($millions) | 6.5700% | 2,324 |
| Cash dividends to net income (ytd only)* | 37.3832% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,382 |
| Loan loss allowance to noncurrent loans | 129.1299% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 1,684 |
| Noncurrent loans to loans | 0.8424% | 1,111 |
| Net loans and leases to total assets | 37.2963% | 4,149 |
| Net loans and leases to deposits | 43.5678% | 4,086 |
| Net loans and leases to core deposits | 47.3010% | 4,016 |
| Total domestic deposits to total assets | 85.6052% | 3,379 |
| Equity capital to assets | 10.7835% | 1,454 |
| Core capital (leverage) ratio | 12.8943% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7250% | 306 |
| Memoranda: | ||
| Average total assets | $250,829,000 | 2,786 |
| Average earning assets | $232,177,000 | 2,787 |
| Average equity | $29,816,500 | 2,489 |
| Average total loans | $97,243,000 | 3,227 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8639% | 4,114 |
| Cost of funding earning assets | 0.3913% | 1,605 |
| Net interest margin | 2.4726% | 4,228 |
| Noninterest income to average assets | 0.5427% | 2,388 |
| Noninterest expense to average assets | 2.0201% | 3,619 |
| Loan and lease loss provision to assets | 0.0876% | 1,412 |
| Net operating income to assets | 0.7043% | 3,617 |
| Return on assets (ROA) | 0.7709% | 3,484 |
| Pretax return on assets | 0.7807% | 3,764 |
| Return on Equity (ROE) | 5.7386% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.0027% | 3,629 |
| Net charge-offs to loans | 0.3518% | 242 |
| Credit loss provision to net charge-offs | 65.1515% | 2,037 |
| Earnings coverage of net charge-offs (x) | 5.9576% | 2,425 |
| Efficiency ratio | 71.6060% | 1,555 |
| Assets per employee ($millions) | 6.4615% | 2,360 |
| Cash dividends to net income (ytd only)* | 47.6744% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,687 |
| Loan loss allowance to noncurrent loans | 113.8858% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 1,728 |
| Noncurrent loans to loans | 0.8899% | 1,142 |
| Net loans and leases to total assets | 39.4174% | 4,126 |
| Net loans and leases to deposits | 50.8178% | 3,830 |
| Net loans and leases to core deposits | 55.5997% | 3,653 |
| Total domestic deposits to total assets | 77.5661% | 4,430 |
| Equity capital to assets | 12.9807% | 903 |
| Core capital (leverage) ratio | 12.9782% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5700% | 369 |
| Memoranda: | ||
| Average total assets | $245,430,200 | 2,764 |
| Average earning assets | $226,158,600 | 2,771 |
| Average equity | $32,970,000 | 2,386 |
| Average total loans | $93,799,000 | 3,279 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9095% | 4,158 |
| Cost of funding earning assets | 0.4053% | 1,664 |
| Net interest margin | 2.5042% | 4,268 |
| Noninterest income to average assets | 0.5442% | 2,438 |
| Noninterest expense to average assets | 2.0361% | 3,568 |
| Loan and lease loss provision to assets | 0.0915% | 1,306 |
| Net operating income to assets | 0.7124% | 3,738 |
| Return on assets (ROA) | 0.8018% | 3,591 |
| Pretax return on assets | 0.8116% | 3,867 |
| Return on Equity (ROE) | 5.9169% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.9169% | 2,861 |
| Net charge-offs to loans | 0.4166% | 184 |
| Credit loss provision to net charge-offs | 57.9861% | 1,819 |
| Earnings coverage of net charge-offs (x) | 5.1597% | 2,236 |
| Efficiency ratio | 71.4725% | 1,444 |
| Assets per employee ($millions) | 6.2741% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,565 |
| Loan loss allowance to noncurrent loans | 104.9844% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,873 |
| Noncurrent loans to loans | 1.0228% | 1,119 |
| Net loans and leases to total assets | 38.0655% | 4,294 |
| Net loans and leases to deposits | 46.2712% | 4,220 |
| Net loans and leases to core deposits | 50.4274% | 4,114 |
| Total domestic deposits to total assets | 82.2661% | 3,872 |
| Equity capital to assets | 13.7542% | 789 |
| Core capital (leverage) ratio | 13.7449% | 690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9817% | 276 |
| Memoranda: | ||
| Average total assets | $243,788,250 | 2,790 |
| Average earning assets | $224,364,000 | 2,809 |
| Average equity | $33,034,750 | 2,415 |
| Average total loans | $92,161,750 | 3,348 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7819% | 4,371 |
| Cost of funding earning assets | 0.4121% | 1,784 |
| Net interest margin | 2.3698% | 4,452 |
| Noninterest income to average assets | 0.5364% | 2,461 |
| Noninterest expense to average assets | 2.0551% | 3,538 |
| Loan and lease loss provision to assets | -0.0049% | 4,395 |
| Net operating income to assets | 0.6552% | 3,864 |
| Return on assets (ROA) | 0.7894% | 3,607 |
| Pretax return on assets | 0.7992% | 3,868 |
| Return on Equity (ROE) | 5.8548% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.8548% | 2,863 |
| Net charge-offs to loans | 0.6317% | 123 |
| Credit loss provision to net charge-offs | -2.0761% | 2,892 |
| Earnings coverage of net charge-offs (x) | 2.7751% | 2,106 |
| Efficiency ratio | 75.7264% | 1,109 |
| Assets per employee ($millions) | 6.4257% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,137 |
| Loan loss allowance to noncurrent loans | 80.8696% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 1,919 |
| Noncurrent loans to loans | 1.1232% | 1,074 |
| Net loans and leases to total assets | 37.3957% | 4,412 |
| Net loans and leases to deposits | 45.4130% | 4,333 |
| Net loans and leases to core deposits | 49.3488% | 4,257 |
| Total domestic deposits to total assets | 82.3459% | 3,851 |
| Equity capital to assets | 13.6128% | 806 |
| Core capital (leverage) ratio | 12.8152% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9171% | 303 |
| Memoranda: | ||
| Average total assets | $243,488,000 | 2,784 |
| Average earning assets | $223,732,667 | 2,804 |
| Average equity | $32,828,000 | 2,411 |
| Average total loans | $91,498,000 | 3,379 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7824% | 4,391 |
| Cost of funding earning assets | 0.4239% | 1,908 |
| Net interest margin | 2.3585% | 4,461 |
| Noninterest income to average assets | 0.5314% | 2,475 |
| Noninterest expense to average assets | 2.0893% | 3,457 |
| Loan and lease loss provision to assets | -0.0115% | 4,583 |
| Net operating income to assets | 0.6087% | 3,918 |
| Return on assets (ROA) | 0.7748% | 3,571 |
| Pretax return on assets | 0.7814% | 3,847 |
| Return on Equity (ROE) | 5.7752% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.7752% | 2,977 |
| Net charge-offs to loans | 0.1536% | 508 |
| Credit loss provision to net charge-offs | -20.0000% | 2,707 |
| Earnings coverage of net charge-offs (x) | 10.4571% | 1,496 |
| Efficiency ratio | 77.6284% | 981 |
| Assets per employee ($millions) | 6.1744% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,909 |
| Loan loss allowance to noncurrent loans | 88.4740% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5000% | 1,889 |
| Noncurrent loans to loans | 1.3605% | 943 |
| Net loans and leases to total assets | 36.2232% | 4,491 |
| Net loans and leases to deposits | 43.5701% | 4,439 |
| Net loans and leases to core deposits | 47.2462% | 4,396 |
| Total domestic deposits to total assets | 83.1377% | 3,659 |
| Equity capital to assets | 12.9044% | 941 |
| Core capital (leverage) ratio | 12.8157% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8389% | 327 |
| Memoranda: | ||
| Average total assets | $243,144,500 | 2,773 |
| Average earning assets | $222,686,500 | 2,792 |
| Average equity | $32,622,500 | 2,414 |
| Average total loans | $91,173,000 | 3,392 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 4,387 |
| Cost of funding earning assets | 0.5294% | 2,753 |
| Net interest margin | 2.7263% | 4,348 |
| Noninterest income to average assets | 0.5440% | 2,447 |
| Noninterest expense to average assets | 2.1835% | 3,707 |
| Loan and lease loss provision to assets | 0.5480% | 400 |
| Net operating income to assets | 0.2921% | 4,442 |
| Return on assets (ROA) | 0.6560% | 3,700 |
| Pretax return on assets | 0.6586% | 3,967 |
| Return on Equity (ROE) | 4.5672% | 4,006 |
| Retained earnings to average equity (ytd only) | 1.7042% | 3,948 |
| Net charge-offs to loans | 1.3427% | 83 |
| Credit loss provision to net charge-offs | 98.4885% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.5147% | 3,249 |
| Efficiency ratio | 72.1515% | 1,662 |
| Assets per employee ($millions) | 5.8369% | 2,509 |
| Cash dividends to net income (ytd only)* | 62.6856% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,782 |
| Loan loss allowance to noncurrent loans | 65.8906% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7179% | 1,448 |
| Noncurrent loans to loans | 1.8716% | 646 |
| Net loans and leases to total assets | 37.8840% | 4,523 |
| Net loans and leases to deposits | 49.8913% | 4,321 |
| Net loans and leases to core deposits | 54.4982% | 4,237 |
| Total domestic deposits to total assets | 75.9331% | 4,513 |
| Equity capital to assets | 13.9458% | 813 |
| Core capital (leverage) ratio | 12.9937% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6130% | 301 |
| Memoranda: | ||
| Average total assets | $225,922,000 | 2,758 |
| Average earning assets | $205,702,800 | 2,782 |
| Average equity | $32,448,600 | 2,362 |
| Average total loans | $93,620,200 | 3,348 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 4,414 |
| Cost of funding earning assets | 0.5397% | 2,996 |
| Net interest margin | 2.8097% | 4,330 |
| Noninterest income to average assets | 0.5661% | 2,322 |
| Noninterest expense to average assets | 2.2392% | 3,581 |
| Loan and lease loss provision to assets | 0.0198% | 4,087 |
| Net operating income to assets | 0.8644% | 2,844 |
| Return on assets (ROA) | 1.1543% | 1,921 |
| Pretax return on assets | 1.1543% | 2,552 |
| Return on Equity (ROE) | 7.9748% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.1302% | 2,979 |
| Net charge-offs to loans | 0.0751% | 1,559 |
| Credit loss provision to net charge-offs | 62.2642% | 2,841 |
| Earnings coverage of net charge-offs (x) | 27.8491% | 1,649 |
| Efficiency ratio | 71.6916% | 1,677 |
| Assets per employee ($millions) | 5.8716% | 2,378 |
| Cash dividends to net income (ytd only)* | 48.2097% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,659 |
| Loan loss allowance to noncurrent loans | 88.9851% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 2,016 |
| Noncurrent loans to loans | 1.3489% | 1,091 |
| Net loans and leases to total assets | 39.6372% | 4,576 |
| Net loans and leases to deposits | 48.7664% | 4,523 |
| Net loans and leases to core deposits | 52.8856% | 4,492 |
| Total domestic deposits to total assets | 81.2799% | 3,593 |
| Equity capital to assets | 14.5249% | 724 |
| Core capital (leverage) ratio | 13.2398% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6231% | 287 |
| Memoranda: | ||
| Average total assets | $222,574,500 | 2,758 |
| Average earning assets | $202,579,250 | 2,786 |
| Average equity | $32,217,250 | 2,363 |
| Average total loans | $94,077,000 | 3,347 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 4,394 |
| Cost of funding earning assets | 0.5517% | 3,229 |
| Net interest margin | 2.9584% | 4,213 |
| Noninterest income to average assets | 0.5511% | 2,347 |
| Noninterest expense to average assets | 2.2895% | 3,549 |
| Loan and lease loss provision to assets | -0.0128% | 5,003 |
| Net operating income to assets | 0.9548% | 2,475 |
| Return on assets (ROA) | 1.3979% | 1,208 |
| Pretax return on assets | 1.3979% | 1,732 |
| Return on Equity (ROE) | 9.6691% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.5976% | 2,238 |
| Net charge-offs to loans | 0.0191% | 2,342 |
| Credit loss provision to net charge-offs | -155.5556% | 3,442 |
| Earnings coverage of net charge-offs (x) | 114.3333% | 648 |
| Efficiency ratio | 70.8499% | 1,839 |
| Assets per employee ($millions) | 5.8394% | 2,331 |
| Cash dividends to net income (ytd only)* | 42.1087% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,524 |
| Loan loss allowance to noncurrent loans | 163.4783% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 3,124 |
| Noncurrent loans to loans | 0.7338% | 2,043 |
| Net loans and leases to total assets | 39.7768% | 4,617 |
| Net loans and leases to deposits | 49.7438% | 4,542 |
| Net loans and leases to core deposits | 53.5347% | 4,512 |
| Total domestic deposits to total assets | 79.9633% | 3,845 |
| Equity capital to assets | 14.1671% | 819 |
| Core capital (leverage) ratio | 13.7374% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6243% | 289 |
| Memoranda: | ||
| Average total assets | $218,477,667 | 2,767 |
| Average earning assets | $197,948,000 | 2,801 |
| Average equity | $31,585,000 | 2,383 |
| Average total loans | $94,027,667 | 3,333 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7173% | 4,359 |
| Cost of funding earning assets | 0.5685% | 3,597 |
| Net interest margin | 3.1488% | 3,985 |
| Noninterest income to average assets | 0.6012% | 2,039 |
| Noninterest expense to average assets | 2.4387% | 3,451 |
| Loan and lease loss provision to assets | -0.0190% | 5,054 |
| Net operating income to assets | 1.0070% | 2,151 |
| Return on assets (ROA) | 1.3825% | 1,109 |
| Pretax return on assets | 1.3825% | 1,620 |
| Return on Equity (ROE) | 9.4577% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.2013% | 1,800 |
| Net charge-offs to loans | 0.0851% | 1,192 |
| Credit loss provision to net charge-offs | -50.0000% | 3,136 |
| Earnings coverage of net charge-offs (x) | 26.0500% | 1,266 |
| Efficiency ratio | 71.1677% | 2,194 |
| Assets per employee ($millions) | 5.2675% | 2,359 |
| Cash dividends to net income (ytd only)* | 34.4307% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,572 |
| Loan loss allowance to noncurrent loans | 168.0660% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,207 |
| Noncurrent loans to loans | 0.7246% | 2,185 |
| Net loans and leases to total assets | 42.1064% | 4,589 |
| Net loans and leases to deposits | 50.3630% | 4,578 |
| Net loans and leases to core deposits | 54.2096% | 4,564 |
| Total domestic deposits to total assets | 83.6058% | 2,915 |
| Equity capital to assets | 14.3258% | 952 |
| Core capital (leverage) ratio | 14.6576% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1227% | 301 |
| Memoranda: | ||
| Average total assets | $210,928,500 | 2,781 |
| Average earning assets | $189,276,000 | 2,836 |
| Average equity | $30,832,000 | 2,411 |
| Average total loans | $94,023,000 | 3,318 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,404 |
| Cost of funding earning assets | 0.5197% | 4,002 |
| Net interest margin | 3.3960% | 3,757 |
| Noninterest income to average assets | 0.6623% | 1,954 |
| Noninterest expense to average assets | 2.5291% | 3,373 |
| Loan and lease loss provision to assets | 0.0045% | 3,912 |
| Net operating income to assets | 1.1927% | 2,087 |
| Return on assets (ROA) | 1.4582% | 1,225 |
| Pretax return on assets | 1.4790% | 1,871 |
| Return on Equity (ROE) | 9.7664% | 2,407 |
| Retained earnings to average equity (ytd only) | 4.3994% | 2,764 |
| Net charge-offs to loans | 0.0860% | 1,891 |
| Credit loss provision to net charge-offs | 11.1111% | 3,352 |
| Earnings coverage of net charge-offs (x) | 30.2222% | 1,574 |
| Efficiency ratio | 67.5418% | 2,523 |
| Assets per employee ($millions) | 5.1473% | 2,401 |
| Cash dividends to net income (ytd only)* | 54.9540% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 2,443 |
| Loan loss allowance to noncurrent loans | 166.8116% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 3,078 |
| Noncurrent loans to loans | 0.7188% | 2,083 |
| Net loans and leases to total assets | 46.0625% | 4,517 |
| Net loans and leases to deposits | 60.8002% | 4,254 |
| Net loans and leases to core deposits | 65.8460% | 4,196 |
| Total domestic deposits to total assets | 75.7604% | 4,627 |
| Equity capital to assets | 14.9230% | 812 |
| Core capital (leverage) ratio | 14.6839% | 747 |
| Tier 1 risk-based capital ratio | 27.0089% | 613 |
| Total risk-based capital ratio | 28.0507% | 614 |
| Memoranda: | ||
| Average total assets | $201,418,600 | 2,830 |
| Average earning assets | $182,805,400 | 2,858 |
| Average equity | $30,072,600 | 2,389 |
| Average total loans | $94,153,600 | 3,317 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 4,521 |
| Cost of funding earning assets | 0.5043% | 4,121 |
| Net interest margin | 3.4073% | 3,849 |
| Noninterest income to average assets | 0.6656% | 1,928 |
| Noninterest expense to average assets | 2.5208% | 3,373 |
| Loan and lease loss provision to assets | -0.0073% | 5,050 |
| Net operating income to assets | 1.2364% | 2,074 |
| Return on assets (ROA) | 1.5922% | 994 |
| Pretax return on assets | 1.6149% | 1,587 |
| Return on Equity (ROE) | 10.6630% | 2,149 |
| Retained earnings to average equity (ytd only) | 7.2171% | 1,749 |
| Net charge-offs to loans | 0.0384% | 2,322 |
| Credit loss provision to net charge-offs | -40.7407% | 4,005 |
| Earnings coverage of net charge-offs (x) | 69.4428% | 956 |
| Efficiency ratio | 66.8845% | 2,603 |
| Assets per employee ($millions) | 4.8679% | 2,712 |
| Cash dividends to net income (ytd only)* | 32.3161% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,140 |
| Loan loss allowance to noncurrent loans | 164.3551% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 3,094 |
| Noncurrent loans to loans | 0.7701% | 2,045 |
| Net loans and leases to total assets | 45.2162% | 4,644 |
| Net loans and leases to deposits | 54.9476% | 4,595 |
| Net loans and leases to core deposits | 59.1985% | 4,561 |
| Total domestic deposits to total assets | 82.2896% | 3,390 |
| Equity capital to assets | 15.4105% | 747 |
| Core capital (leverage) ratio | 15.0464% | 729 |
| Tier 1 risk-based capital ratio | 28.1896% | 562 |
| Total risk-based capital ratio | 29.3070% | 554 |
| Memoranda: | ||
| Average total assets | $200,300,750 | 2,857 |
| Average earning assets | $182,429,750 | 2,879 |
| Average equity | $29,909,500 | 2,415 |
| Average total loans | $93,694,750 | 3,364 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8873% | 4,575 |
| Cost of funding earning assets | 0.4847% | 4,185 |
| Net interest margin | 3.4027% | 3,886 |
| Noninterest income to average assets | 0.6445% | 1,946 |
| Noninterest expense to average assets | 2.5649% | 3,291 |
| Loan and lease loss provision to assets | -0.0171% | 5,133 |
| Net operating income to assets | 1.1866% | 2,197 |
| Return on assets (ROA) | 1.2015% | 2,205 |
| Pretax return on assets | 1.2176% | 2,846 |
| Return on Equity (ROE) | 8.1356% | 3,230 |
| Retained earnings to average equity (ytd only) | 4.7044% | 2,916 |
| Net charge-offs to loans | 0.0470% | 1,976 |
| Credit loss provision to net charge-offs | -77.2727% | 3,868 |
| Earnings coverage of net charge-offs (x) | 53.5909% | 1,050 |
| Efficiency ratio | 68.3914% | 2,467 |
| Assets per employee ($millions) | 4.5933% | 3,012 |
| Cash dividends to net income (ytd only)* | 42.1757% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,146 |
| Loan loss allowance to noncurrent loans | 130.6843% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 2,698 |
| Noncurrent loans to loans | 0.9699% | 1,688 |
| Net loans and leases to total assets | 45.6342% | 4,655 |
| Net loans and leases to deposits | 55.7029% | 4,604 |
| Net loans and leases to core deposits | 60.1036% | 4,569 |
| Total domestic deposits to total assets | 81.9242% | 3,532 |
| Equity capital to assets | 15.2713% | 749 |
| Core capital (leverage) ratio | 14.9159% | 722 |
| Tier 1 risk-based capital ratio | 26.4565% | 660 |
| Total risk-based capital ratio | 27.5435% | 656 |
| Memoranda: | ||
| Average total assets | $198,917,330 | 2,882 |
| Average earning assets | $181,564,000 | 2,902 |
| Average equity | $29,377,000 | 2,436 |
| Average total loans | $93,716,330 | 3,381 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8432% | 4,635 |
| Cost of funding earning assets | 0.4599% | 4,245 |
| Net interest margin | 3.3834% | 3,930 |
| Noninterest income to average assets | 0.6608% | 1,778 |
| Noninterest expense to average assets | 2.5886% | 3,246 |
| Loan and lease loss provision to assets | -0.0324% | 5,242 |
| Net operating income to assets | 1.1757% | 2,151 |
| Return on assets (ROA) | 1.1697% | 2,234 |
| Pretax return on assets | 1.1859% | 2,860 |
| Return on Equity (ROE) | 8.0605% | 3,240 |
| Retained earnings to average equity (ytd only) | 4.7776% | 3,008 |
| Net charge-offs to loans | -0.0085% | 4,171 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0644% | 2,492 |
| Assets per employee ($millions) | 4.7318% | 2,876 |
| Cash dividends to net income (ytd only)* | 40.7279% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,969 |
| Loan loss allowance to noncurrent loans | 159.0789% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 3,059 |
| Noncurrent loans to loans | 0.8343% | 1,970 |
| Net loans and leases to total assets | 45.2276% | 4,693 |
| Net loans and leases to deposits | 54.3780% | 4,662 |
| Net loans and leases to core deposits | 58.2298% | 4,638 |
| Total domestic deposits to total assets | 83.1726% | 3,323 |
| Equity capital to assets | 14.7684% | 799 |
| Core capital (leverage) ratio | 14.9307% | 718 |
| Tier 1 risk-based capital ratio | 26.9439% | 623 |
| Total risk-based capital ratio | 28.0867% | 618 |
| Memoranda: | ||
| Average total assets | $197,323,500 | 2,925 |
| Average earning assets | $180,057,000 | 2,949 |
| Average equity | $28,633,500 | 2,478 |
| Average total loans | $93,868,000 | 3,412 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 4,603 |
| Cost of funding earning assets | 0.4309% | 3,798 |
| Net interest margin | 3.3118% | 4,219 |
| Noninterest income to average assets | 0.6386% | 2,106 |
| Noninterest expense to average assets | 2.5097% | 3,587 |
| Loan and lease loss provision to assets | 0.0593% | 2,978 |
| Net operating income to assets | 1.0756% | 2,695 |
| Return on assets (ROA) | 1.0885% | 2,646 |
| Pretax return on assets | 1.1034% | 3,254 |
| Return on Equity (ROE) | 7.9451% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.7817% | 3,491 |
| Net charge-offs to loans | 0.0478% | 2,478 |
| Credit loss provision to net charge-offs | 264.4444% | 1,131 |
| Earnings coverage of net charge-offs (x) | 51.2889% | 1,118 |
| Efficiency ratio | 68.5815% | 2,452 |
| Assets per employee ($millions) | 4.3536% | 3,375 |
| Cash dividends to net income (ytd only)* | 52.4027% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,225 |
| Loan loss allowance to noncurrent loans | 116.4762% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 2,450 |
| Noncurrent loans to loans | 1.0865% | 1,503 |
| Net loans and leases to total assets | 48.7061% | 4,596 |
| Net loans and leases to deposits | 64.0982% | 4,252 |
| Net loans and leases to core deposits | 68.9124% | 4,179 |
| Total domestic deposits to total assets | 75.9867% | 4,755 |
| Equity capital to assets | 14.2498% | 902 |
| Core capital (leverage) ratio | 14.8296% | 726 |
| Tier 1 risk-based capital ratio | 25.9876% | 663 |
| Total risk-based capital ratio | 27.1021% | 665 |
| Memoranda: | ||
| Average total assets | $200,740,800 | 2,861 |
| Average earning assets | $183,102,600 | 2,886 |
| Average equity | $27,501,200 | 2,484 |
| Average total loans | $94,202,600 | 3,405 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,621 |
| Cost of funding earning assets | 0.4298% | 3,663 |
| Net interest margin | 3.2865% | 4,312 |
| Noninterest income to average assets | 0.6285% | 2,172 |
| Noninterest expense to average assets | 2.4455% | 3,748 |
| Loan and lease loss provision to assets | 0.0416% | 3,164 |
| Net operating income to assets | 1.1199% | 2,578 |
| Return on assets (ROA) | 1.1369% | 2,517 |
| Pretax return on assets | 1.1527% | 3,185 |
| Return on Equity (ROE) | 8.3802% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.3143% | 3,053 |
| Net charge-offs to loans | 0.0840% | 1,673 |
| Credit loss provision to net charge-offs | 106.7797% | 2,163 |
| Earnings coverage of net charge-offs (x) | 30.2221% | 1,598 |
| Efficiency ratio | 67.5050% | 2,629 |
| Assets per employee ($millions) | 4.4200% | 3,242 |
| Cash dividends to net income (ytd only)* | 36.5855% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,430 |
| Loan loss allowance to noncurrent loans | 124.1379% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 2,749 |
| Noncurrent loans to loans | 0.9941% | 1,710 |
| Net loans and leases to total assets | 47.4087% | 4,742 |
| Net loans and leases to deposits | 56.5116% | 4,723 |
| Net loans and leases to core deposits | 60.3394% | 4,687 |
| Total domestic deposits to total assets | 83.8920% | 2,982 |
| Equity capital to assets | 13.9803% | 967 |
| Core capital (leverage) ratio | 14.7906% | 758 |
| Tier 1 risk-based capital ratio | 26.5192% | 648 |
| Total risk-based capital ratio | 27.5938% | 648 |
| Memoranda: | ||
| Average total assets | $201,948,000 | 2,865 |
| Average earning assets | $183,978,250 | 2,905 |
| Average equity | $27,397,250 | 2,495 |
| Average total loans | $93,592,250 | 3,436 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,630 |
| Cost of funding earning assets | 0.4191% | 3,578 |
| Net interest margin | 3.2599% | 4,359 |
| Noninterest income to average assets | 0.6095% | 2,272 |
| Noninterest expense to average assets | 2.3841% | 3,938 |
| Loan and lease loss provision to assets | 0.0607% | 2,689 |
| Net operating income to assets | 1.1243% | 2,503 |
| Return on assets (ROA) | 1.1446% | 2,421 |
| Pretax return on assets | 1.1603% | 3,096 |
| Return on Equity (ROE) | 8.5194% | 3,254 |
| Retained earnings to average equity (ytd only) | 5.6214% | 2,761 |
| Net charge-offs to loans | 0.1025% | 1,327 |
| Credit loss provision to net charge-offs | 129.1667% | 1,725 |
| Earnings coverage of net charge-offs (x) | 25.5625% | 1,639 |
| Efficiency ratio | 66.5120% | 2,892 |
| Assets per employee ($millions) | 4.5485% | 3,054 |
| Cash dividends to net income (ytd only)* | 34.0171% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,530 |
| Loan loss allowance to noncurrent loans | 163.1136% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 3,279 |
| Noncurrent loans to loans | 0.7564% | 2,224 |
| Net loans and leases to total assets | 46.5213% | 4,797 |
| Net loans and leases to deposits | 57.1509% | 4,689 |
| Net loans and leases to core deposits | 61.3422% | 4,638 |
| Total domestic deposits to total assets | 81.4008% | 3,891 |
| Equity capital to assets | 13.6590% | 1,048 |
| Core capital (leverage) ratio | 14.1658% | 867 |
| Tier 1 risk-based capital ratio | 25.7478% | 690 |
| Total risk-based capital ratio | 26.8118% | 681 |
| Memoranda: | ||
| Average total assets | $204,437,000 | 2,862 |
| Average earning assets | $186,572,330 | 2,897 |
| Average equity | $27,466,670 | 2,503 |
| Average total loans | $93,672,000 | 3,450 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6027% | 4,699 |
| Cost of funding earning assets | 0.4142% | 3,489 |
| Net interest margin | 3.1885% | 4,505 |
| Noninterest income to average assets | 0.5847% | 2,337 |
| Noninterest expense to average assets | 2.3273% | 4,123 |
| Loan and lease loss provision to assets | 0.0987% | 1,871 |
| Net operating income to assets | 1.0498% | 2,649 |
| Return on assets (ROA) | 1.0901% | 2,485 |
| Pretax return on assets | 1.1056% | 3,156 |
| Return on Equity (ROE) | 8.1796% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.0584% | 2,687 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 3,051 |
| Assets per employee ($millions) | 4.8597% | 2,663 |
| Cash dividends to net income (ytd only)* | 25.9325% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,157 |
| Loan loss allowance to noncurrent loans | 166.8985% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,393 |
| Noncurrent loans to loans | 0.7901% | 2,234 |
| Net loans and leases to total assets | 43.9948% | 4,896 |
| Net loans and leases to deposits | 51.9511% | 4,881 |
| Net loans and leases to core deposits | 55.6026% | 4,852 |
| Total domestic deposits to total assets | 84.6849% | 3,036 |
| Equity capital to assets | 13.3499% | 1,091 |
| Core capital (leverage) ratio | 13.8423% | 905 |
| Tier 1 risk-based capital ratio | 25.8520% | 697 |
| Total risk-based capital ratio | 26.9785% | 687 |
| Memoranda: | ||
| Average total assets | $206,589,500 | 2,873 |
| Average earning assets | $188,303,500 | 2,902 |
| Average equity | $27,532,000 | 2,523 |
| Average total loans | $93,374,500 | 3,476 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 4,586 |
| Cost of funding earning assets | 0.4081% | 3,180 |
| Net interest margin | 3.1859% | 4,484 |
| Noninterest income to average assets | 0.6864% | 2,025 |
| Noninterest expense to average assets | 2.4056% | 4,063 |
| Loan and lease loss provision to assets | -0.2446% | 5,601 |
| Net operating income to assets | 1.3914% | 1,041 |
| Return on assets (ROA) | 1.4537% | 910 |
| Pretax return on assets | 1.4741% | 1,740 |
| Return on Equity (ROE) | 10.7898% | 1,556 |
| Retained earnings to average equity (ytd only) | 4.2462% | 2,612 |
| Net charge-offs to loans | -0.4425% | 5,598 |
| Credit loss provision to net charge-offs | 125.0000% | 2,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3447% | 3,029 |
| Assets per employee ($millions) | 4.9779% | 2,507 |
| Cash dividends to net income (ytd only)* | 60.6465% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,776 |
| Loan loss allowance to noncurrent loans | 161.6034% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,472 |
| Noncurrent loans to loans | 0.7425% | 2,351 |
| Net loans and leases to total assets | 45.2493% | 4,927 |
| Net loans and leases to deposits | 58.8469% | 4,650 |
| Net loans and leases to core deposits | 64.1605% | 4,521 |
| Total domestic deposits to total assets | 76.8932% | 4,865 |
| Equity capital to assets | 13.3044% | 1,129 |
| Core capital (leverage) ratio | 13.5404% | 945 |
| Tier 1 risk-based capital ratio | 24.7840% | 742 |
| Total risk-based capital ratio | 25.8229% | 742 |
| Memoranda: | ||
| Average total assets | $206,435,800 | 2,855 |
| Average earning assets | $186,978,600 | 2,897 |
| Average equity | $27,813,400 | 2,495 |
| Average total loans | $91,298,000 | 3,501 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 4,558 |
| Cost of funding earning assets | 0.4039% | 3,148 |
| Net interest margin | 3.1964% | 4,455 |
| Noninterest income to average assets | 0.7050% | 1,975 |
| Noninterest expense to average assets | 2.3591% | 4,121 |
| Loan and lease loss provision to assets | 0.0408% | 3,291 |
| Net operating income to assets | 1.1798% | 1,775 |
| Return on assets (ROA) | 1.2330% | 1,593 |
| Pretax return on assets | 1.2505% | 2,703 |
| Return on Equity (ROE) | 9.1227% | 2,536 |
| Retained earnings to average equity (ytd only) | 7.2435% | 1,571 |
| Net charge-offs to loans | -0.6919% | 5,675 |
| Credit loss provision to net charge-offs | -13.4615% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5918% | 3,277 |
| Assets per employee ($millions) | 4.8702% | 2,605 |
| Cash dividends to net income (ytd only)* | 20.5989% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 560 |
| Loan loss allowance to noncurrent loans | 336.0377% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 4,002 |
| Noncurrent loans to loans | 0.5985% | 2,918 |
| Net loans and leases to total assets | 42.4224% | 5,098 |
| Net loans and leases to deposits | 51.0531% | 5,088 |
| Net loans and leases to core deposits | 54.9856% | 5,042 |
| Total domestic deposits to total assets | 83.0946% | 3,428 |
| Equity capital to assets | 14.1599% | 952 |
| Core capital (leverage) ratio | 13.8007% | 945 |
| Tier 1 risk-based capital ratio | 27.0246% | 621 |
| Total risk-based capital ratio | 28.2810% | 611 |
| Memoranda: | ||
| Average total assets | $205,776,500 | 2,887 |
| Average earning assets | $186,162,250 | 2,928 |
| Average equity | $27,812,750 | 2,517 |
| Average total loans | $90,184,250 | 3,556 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 4,837 |
| Cost of funding earning assets | 0.4015% | 3,059 |
| Net interest margin | 3.0677% | 4,752 |
| Noninterest income to average assets | 0.5471% | 2,733 |
| Noninterest expense to average assets | 2.3581% | 4,189 |
| Loan and lease loss provision to assets | 0.0660% | 2,650 |
| Net operating income to assets | 0.8970% | 2,929 |
| Return on assets (ROA) | 0.9719% | 2,605 |
| Pretax return on assets | 0.9855% | 3,618 |
| Return on Equity (ROE) | 7.3061% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.8770% | 2,184 |
| Net charge-offs to loans | 0.0992% | 1,632 |
| Credit loss provision to net charge-offs | 151.1111% | 1,511 |
| Earnings coverage of net charge-offs (x) | 22.3556% | 1,712 |
| Efficiency ratio | 70.7303% | 2,547 |
| Assets per employee ($millions) | 4.9496% | 2,454 |
| Cash dividends to net income (ytd only)* | 19.5609% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 1,948 |
| Loan loss allowance to noncurrent loans | 185.8394% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 3,769 |
| Noncurrent loans to loans | 0.7538% | 2,507 |
| Net loans and leases to total assets | 44.1530% | 5,033 |
| Net loans and leases to deposits | 53.5094% | 4,990 |
| Net loans and leases to core deposits | 57.2446% | 4,940 |
| Total domestic deposits to total assets | 82.5144% | 3,722 |
| Equity capital to assets | 13.9519% | 980 |
| Core capital (leverage) ratio | 13.5010% | 999 |
| Tier 1 risk-based capital ratio | 25.7828% | 689 |
| Total risk-based capital ratio | 26.9962% | 678 |
| Memoranda: | ||
| Average total assets | $206,185,330 | 2,894 |
| Average earning assets | $187,304,330 | 2,938 |
| Average equity | $27,429,000 | 2,540 |
| Average total loans | $90,727,000 | 3,563 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 4,898 |
| Cost of funding earning assets | 0.4025% | 2,971 |
| Net interest margin | 3.0125% | 4,864 |
| Noninterest income to average assets | 0.4735% | 3,166 |
| Noninterest expense to average assets | 2.3829% | 4,172 |
| Loan and lease loss provision to assets | 0.0269% | 3,223 |
| Net operating income to assets | 0.7916% | 3,261 |
| Return on assets (ROA) | 0.8411% | 3,081 |
| Pretax return on assets | 0.8508% | 3,937 |
| Return on Equity (ROE) | 6.4772% | 3,679 |
| Retained earnings to average equity (ytd only) | 3.5721% | 3,654 |
| Net charge-offs to loans | 0.0485% | 1,882 |
| Credit loss provision to net charge-offs | 127.2727% | 1,335 |
| Earnings coverage of net charge-offs (x) | 39.0909% | 1,053 |
| Efficiency ratio | 74.2206% | 2,197 |
| Assets per employee ($millions) | 5.0261% | 2,405 |
| Cash dividends to net income (ytd only)* | 44.8513% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,961 |
| Loan loss allowance to noncurrent loans | 175.9831% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 3,816 |
| Noncurrent loans to loans | 0.8108% | 2,424 |
| Net loans and leases to total assets | 42.0054% | 5,162 |
| Net loans and leases to deposits | 50.6140% | 5,091 |
| Net loans and leases to core deposits | 55.2495% | 5,009 |
| Total domestic deposits to total assets | 82.9918% | 3,844 |
| Equity capital to assets | 13.2445% | 1,166 |
| Core capital (leverage) ratio | 13.1563% | 1,083 |
| Tier 1 risk-based capital ratio | 25.5672% | 728 |
| Total risk-based capital ratio | 26.7850% | 708 |
| Memoranda: | ||
| Average total assets | $207,811,500 | 2,908 |
| Average earning assets | $188,811,000 | 2,953 |
| Average equity | $26,987,000 | 2,580 |
| Average total loans | $90,653,500 | 3,585 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 4,879 |
| Cost of funding earning assets | 0.4257% | 2,750 |
| Net interest margin | 3.0296% | 4,898 |
| Noninterest income to average assets | 0.6311% | 2,500 |
| Noninterest expense to average assets | 2.4214% | 4,240 |
| Loan and lease loss provision to assets | 0.0926% | 2,508 |
| Net operating income to assets | 0.8774% | 2,943 |
| Return on assets (ROA) | 1.0053% | 2,434 |
| Pretax return on assets | 1.0188% | 3,408 |
| Return on Equity (ROE) | 7.4118% | 3,258 |
| Retained earnings to average equity (ytd only) | 4.0276% | 3,049 |
| Net charge-offs to loans | 0.1310% | 1,934 |
| Credit loss provision to net charge-offs | 165.5172% | 1,677 |
| Earnings coverage of net charge-offs (x) | 17.5603% | 2,036 |
| Efficiency ratio | 71.1432% | 2,719 |
| Assets per employee ($millions) | 5.1110% | 2,276 |
| Cash dividends to net income (ytd only)* | 45.6595% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,349 |
| Loan loss allowance to noncurrent loans | 157.2327% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3822% | 3,743 |
| Noncurrent loans to loans | 0.8503% | 2,404 |
| Net loans and leases to total assets | 44.0191% | 5,120 |
| Net loans and leases to deposits | 56.9120% | 4,862 |
| Net loans and leases to core deposits | 62.3803% | 4,732 |
| Total domestic deposits to total assets | 77.3460% | 5,071 |
| Equity capital to assets | 12.7324% | 1,379 |
| Core capital (leverage) ratio | 12.8493% | 1,189 |
| Tier 1 risk-based capital ratio | 24.4101% | 828 |
| Total risk-based capital ratio | 25.5524% | 816 |
| Memoranda: | ||
| Average total assets | $207,400,200 | 2,887 |
| Average earning assets | $189,796,400 | 2,896 |
| Average equity | $28,131,000 | 2,506 |
| Average total loans | $88,580,200 | 3,604 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 4,928 |
| Cost of funding earning assets | 0.4277% | 2,757 |
| Net interest margin | 3.0189% | 4,978 |
| Noninterest income to average assets | 0.6297% | 2,523 |
| Noninterest expense to average assets | 2.4357% | 4,177 |
| Loan and lease loss provision to assets | 0.0941% | 2,344 |
| Net operating income to assets | 0.8499% | 3,151 |
| Return on assets (ROA) | 1.0216% | 2,457 |
| Pretax return on assets | 1.0351% | 3,496 |
| Return on Equity (ROE) | 7.4167% | 3,346 |
| Retained earnings to average equity (ytd only) | 5.8445% | 2,269 |
| Net charge-offs to loans | 0.1618% | 1,412 |
| Credit loss provision to net charge-offs | 137.7358% | 1,890 |
| Earnings coverage of net charge-offs (x) | 13.9905% | 2,264 |
| Efficiency ratio | 71.8168% | 2,601 |
| Assets per employee ($millions) | 5.1929% | 2,151 |
| Cash dividends to net income (ytd only)* | 21.1988% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 2,214 |
| Loan loss allowance to noncurrent loans | 169.7902% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 4,060 |
| Noncurrent loans to loans | 0.8233% | 2,612 |
| Net loans and leases to total assets | 38.3493% | 5,453 |
| Net loans and leases to deposits | 47.1155% | 5,408 |
| Net loans and leases to core deposits | 50.6426% | 5,361 |
| Total domestic deposits to total assets | 81.3941% | 4,138 |
| Equity capital to assets | 13.2036% | 1,389 |
| Core capital (leverage) ratio | 12.4493% | 1,417 |
| Tier 1 risk-based capital ratio | 25.6998% | 742 |
| Total risk-based capital ratio | 26.8629% | 734 |
| Memoranda: | ||
| Average total assets | $206,862,250 | 2,900 |
| Average earning assets | $189,244,750 | 2,918 |
| Average equity | $28,493,500 | 2,496 |
| Average total loans | $87,352,000 | 3,647 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5268% | 4,797 |
| Cost of funding earning assets | 0.4429% | 2,634 |
| Net interest margin | 3.0839% | 4,874 |
| Noninterest income to average assets | 0.6257% | 2,481 |
| Noninterest expense to average assets | 2.4401% | 4,214 |
| Loan and lease loss provision to assets | 0.0983% | 2,195 |
| Net operating income to assets | 0.8895% | 2,915 |
| Return on assets (ROA) | 1.1540% | 1,875 |
| Pretax return on assets | 1.1689% | 2,909 |
| Return on Equity (ROE) | 8.2518% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.0587% | 1,572 |
| Net charge-offs to loans | 0.0823% | 2,027 |
| Credit loss provision to net charge-offs | 275.0000% | 1,023 |
| Earnings coverage of net charge-offs (x) | 27.9722% | 1,446 |
| Efficiency ratio | 70.9296% | 2,840 |
| Assets per employee ($millions) | 4.6949% | 2,728 |
| Cash dividends to net income (ytd only)* | 14.4578% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,279 |
| Loan loss allowance to noncurrent loans | 176.4622% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 4,022 |
| Noncurrent loans to loans | 0.7959% | 2,753 |
| Net loans and leases to total assets | 43.0152% | 5,282 |
| Net loans and leases to deposits | 54.5811% | 5,101 |
| Net loans and leases to core deposits | 59.2859% | 5,007 |
| Total domestic deposits to total assets | 78.8097% | 4,827 |
| Equity capital to assets | 14.7082% | 812 |
| Core capital (leverage) ratio | 13.2190% | 1,082 |
| Tier 1 risk-based capital ratio | 25.7092% | 742 |
| Total risk-based capital ratio | 26.9061% | 736 |
| Memoranda: | ||
| Average total assets | $201,384,670 | 2,969 |
| Average earning assets | $183,792,330 | 3,002 |
| Average equity | $28,163,670 | 2,523 |
| Average total loans | $87,520,670 | 3,658 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 4,779 |
| Cost of funding earning assets | 0.4422% | 2,665 |
| Net interest margin | 3.0997% | 4,860 |
| Noninterest income to average assets | 0.6105% | 2,464 |
| Noninterest expense to average assets | 2.3685% | 4,458 |
| Loan and lease loss provision to assets | 0.0895% | 2,186 |
| Net operating income to assets | 0.9837% | 2,355 |
| Return on assets (ROA) | 1.3046% | 1,321 |
| Pretax return on assets | 1.3205% | 2,221 |
| Return on Equity (ROE) | 9.5770% | 2,169 |
| Retained earnings to average equity (ytd only) | 7.1243% | 1,832 |
| Net charge-offs to loans | 0.0688% | 1,793 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 36.4000% | 1,070 |
| Efficiency ratio | 68.5665% | 3,368 |
| Assets per employee ($millions) | 4.7452% | 2,680 |
| Cash dividends to net income (ytd only)* | 25.6098% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 2,496 |
| Loan loss allowance to noncurrent loans | 165.1578% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 4,034 |
| Noncurrent loans to loans | 0.8390% | 2,746 |
| Net loans and leases to total assets | 42.9955% | 5,297 |
| Net loans and leases to deposits | 54.5043% | 5,072 |
| Net loans and leases to core deposits | 59.3536% | 4,977 |
| Total domestic deposits to total assets | 78.8846% | 4,991 |
| Equity capital to assets | 14.0572% | 958 |
| Core capital (leverage) ratio | 13.0374% | 1,143 |
| Tier 1 risk-based capital ratio | 25.3618% | 783 |
| Total risk-based capital ratio | 26.5318% | 778 |
| Memoranda: | ||
| Average total assets | $201,137,000 | 2,977 |
| Average earning assets | $184,534,000 | 3,001 |
| Average equity | $27,399,000 | 2,568 |
| Average total loans | $87,243,000 | 3,673 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5198% | 4,863 |
| Cost of funding earning assets | 0.4829% | 2,330 |
| Net interest margin | 3.0369% | 5,056 |
| Noninterest income to average assets | 0.6673% | 2,362 |
| Noninterest expense to average assets | 2.2973% | 4,796 |
| Loan and lease loss provision to assets | 0.0995% | 2,321 |
| Net operating income to assets | 1.0686% | 2,048 |
| Return on assets (ROA) | 1.1501% | 1,802 |
| Pretax return on assets | 1.1652% | 2,793 |
| Return on Equity (ROE) | 8.5494% | 2,697 |
| Retained earnings to average equity (ytd only) | 1.9609% | 4,609 |
| Net charge-offs to loans | 0.1312% | 2,057 |
| Credit loss provision to net charge-offs | 180.0000% | 1,511 |
| Earnings coverage of net charge-offs (x) | 21.3909% | 1,816 |
| Efficiency ratio | 66.0217% | 3,898 |
| Assets per employee ($millions) | 4.8327% | 2,555 |
| Cash dividends to net income (ytd only)* | 77.0642% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,708 |
| Loan loss allowance to noncurrent loans | 118.9463% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 3,578 |
| Noncurrent loans to loans | 1.1268% | 2,090 |
| Net loans and leases to total assets | 42.5759% | 5,370 |
| Net loans and leases to deposits | 54.9460% | 5,114 |
| Net loans and leases to core deposits | 59.0005% | 5,043 |
| Total domestic deposits to total assets | 77.4868% | 5,243 |
| Equity capital to assets | 13.1948% | 1,261 |
| Core capital (leverage) ratio | 12.9343% | 1,170 |
| Tier 1 risk-based capital ratio | 24.6461% | 846 |
| Total risk-based capital ratio | 25.7774% | 844 |
| Memoranda: | ||
| Average total assets | $199,018,000 | 2,964 |
| Average earning assets | $184,301,200 | 2,954 |
| Average equity | $26,773,800 | 2,574 |
| Average total loans | $83,844,800 | 3,728 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5305% | 4,913 |
| Cost of funding earning assets | 0.4933% | 2,284 |
| Net interest margin | 3.0373% | 5,110 |
| Noninterest income to average assets | 0.5932% | 2,783 |
| Noninterest expense to average assets | 2.2670% | 4,868 |
| Loan and lease loss provision to assets | 0.1003% | 2,175 |
| Net operating income to assets | 1.0353% | 2,297 |
| Return on assets (ROA) | 1.1446% | 1,916 |
| Pretax return on assets | 1.1594% | 2,976 |
| Return on Equity (ROE) | 8.4664% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.5798% | 4,584 |
| Net charge-offs to loans | 0.0868% | 2,301 |
| Credit loss provision to net charge-offs | 275.9259% | 1,047 |
| Earnings coverage of net charge-offs (x) | 31.6103% | 1,449 |
| Efficiency ratio | 66.3579% | 3,825 |
| Assets per employee ($millions) | 4.8949% | 2,421 |
| Cash dividends to net income (ytd only)* | 69.5294% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 2,530 |
| Loan loss allowance to noncurrent loans | 112.0493% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 3,339 |
| Noncurrent loans to loans | 1.2626% | 2,024 |
| Net loans and leases to total assets | 42.0328% | 5,489 |
| Net loans and leases to deposits | 53.3377% | 5,301 |
| Net loans and leases to core deposits | 57.1124% | 5,249 |
| Total domestic deposits to total assets | 78.8051% | 5,024 |
| Equity capital to assets | 13.9880% | 1,028 |
| Core capital (leverage) ratio | 12.9559% | 1,217 |
| Tier 1 risk-based capital ratio | 25.8515% | 780 |
| Total risk-based capital ratio | 27.0455% | 775 |
| Memoranda: | ||
| Average total assets | $198,029,000 | 2,998 |
| Average earning assets | $184,065,500 | 2,979 |
| Average equity | $26,771,750 | 2,582 |
| Average total loans | $82,908,000 | 3,780 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,908 |
| Cost of funding earning assets | 0.4977% | 2,274 |
| Net interest margin | 3.0326% | 5,143 |
| Noninterest income to average assets | 0.5715% | 2,897 |
| Noninterest expense to average assets | 2.3031% | 4,836 |
| Loan and lease loss provision to assets | 0.0996% | 2,162 |
| Net operating income to assets | 0.9882% | 2,448 |
| Return on assets (ROA) | 1.1018% | 2,036 |
| Pretax return on assets | 1.1158% | 3,108 |
| Return on Equity (ROE) | 8.2435% | 2,917 |
| Retained earnings to average equity (ytd only) | 1.6638% | 4,865 |
| Net charge-offs to loans | 0.0822% | 2,228 |
| Credit loss provision to net charge-offs | 291.1765% | 945 |
| Earnings coverage of net charge-offs (x) | 32.1765% | 1,304 |
| Efficiency ratio | 67.6618% | 3,725 |
| Assets per employee ($millions) | 4.8874% | 2,415 |
| Cash dividends to net income (ytd only)* | 79.8174% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 2,662 |
| Loan loss allowance to noncurrent loans | 173.3434% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4609% | 4,089 |
| Noncurrent loans to loans | 0.8193% | 3,072 |
| Net loans and leases to total assets | 40.8646% | 5,581 |
| Net loans and leases to deposits | 52.6001% | 5,342 |
| Net loans and leases to core deposits | 56.5302% | 5,277 |
| Total domestic deposits to total assets | 77.6892% | 5,338 |
| Equity capital to assets | 13.3884% | 1,220 |
| Core capital (leverage) ratio | 12.6762% | 1,301 |
| Tier 1 risk-based capital ratio | 26.6876% | 731 |
| Total risk-based capital ratio | 27.9030% | 716 |
| Memoranda: | ||
| Average total assets | $198,773,000 | 3,004 |
| Average earning assets | $185,651,330 | 2,984 |
| Average equity | $26,566,330 | 2,605 |
| Average total loans | $82,717,330 | 3,805 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 4,933 |
| Cost of funding earning assets | 0.4999% | 2,276 |
| Net interest margin | 3.0103% | 5,189 |
| Noninterest income to average assets | 0.5329% | 3,068 |
| Noninterest expense to average assets | 2.2414% | 5,036 |
| Loan and lease loss provision to assets | 0.0978% | 2,066 |
| Net operating income to assets | 1.0045% | 2,245 |
| Return on assets (ROA) | 1.0638% | 2,113 |
| Pretax return on assets | 1.0778% | 3,178 |
| Return on Equity (ROE) | 7.9664% | 2,974 |
| Retained earnings to average equity (ytd only) | -0.9865% | 5,555 |
| Net charge-offs to loans | -0.0144% | 4,889 |
| Credit loss provision to net charge-offs | -1,633.3333% | 5,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7658% | 4,017 |
| Assets per employee ($millions) | 5.0055% | 2,351 |
| Cash dividends to net income (ytd only)* | 112.3827% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,936 |
| Loan loss allowance to noncurrent loans | 157.1034% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 4,208 |
| Noncurrent loans to loans | 0.8888% | 3,019 |
| Net loans and leases to total assets | 40.1726% | 5,591 |
| Net loans and leases to deposits | 50.9485% | 5,391 |
| Net loans and leases to core deposits | 54.8802% | 5,322 |
| Total domestic deposits to total assets | 78.8494% | 5,290 |
| Equity capital to assets | 13.5291% | 1,162 |
| Core capital (leverage) ratio | 12.4073% | 1,398 |
| Tier 1 risk-based capital ratio | 25.8751% | 799 |
| Total risk-based capital ratio | 27.0546% | 790 |
| Memoranda: | ||
| Average total assets | $200,411,000 | 3,007 |
| Average earning assets | $188,023,000 | 2,966 |
| Average equity | $26,762,500 | 2,607 |
| Average total loans | $83,556,000 | 3,807 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,832 |
| Cost of funding earning assets | 0.5467% | 2,230 |
| Net interest margin | 3.1382% | 5,102 |
| Noninterest income to average assets | 0.6289% | 2,686 |
| Noninterest expense to average assets | 2.1409% | 5,480 |
| Loan and lease loss provision to assets | 0.1041% | 2,418 |
| Net operating income to assets | 1.3327% | 1,225 |
| Return on assets (ROA) | 1.4144% | 1,081 |
| Pretax return on assets | 1.4334% | 1,773 |
| Return on Equity (ROE) | 11.1378% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.8230% | 2,043 |
| Net charge-offs to loans | 0.2024% | 2,044 |
| Credit loss provision to net charge-offs | 123.8095% | 1,931 |
| Earnings coverage of net charge-offs (x) | 17.3095% | 1,929 |
| Efficiency ratio | 59.5381% | 5,281 |
| Assets per employee ($millions) | 5.0150% | 2,302 |
| Cash dividends to net income (ytd only)* | 47.7184% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 3,599 |
| Loan loss allowance to noncurrent loans | 130.8434% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 4,166 |
| Noncurrent loans to loans | 0.9703% | 2,896 |
| Net loans and leases to total assets | 42.1000% | 5,610 |
| Net loans and leases to deposits | 54.7426% | 5,270 |
| Net loans and leases to core deposits | 58.9533% | 5,203 |
| Total domestic deposits to total assets | 76.9054% | 5,613 |
| Equity capital to assets | 13.1789% | 1,281 |
| Core capital (leverage) ratio | 12.5683% | 1,326 |
| Tier 1 risk-based capital ratio | 25.8047% | 776 |
| Total risk-based capital ratio | 26.9234% | 775 |
| Memoranda: | ||
| Average total assets | $199,871,400 | 3,002 |
| Average earning assets | $188,961,200 | 2,917 |
| Average equity | $25,382,000 | 2,628 |
| Average total loans | $83,010,200 | 3,797 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7149% | 4,814 |
| Cost of funding earning assets | 0.5599% | 2,197 |
| Net interest margin | 3.1550% | 5,103 |
| Noninterest income to average assets | 0.6256% | 2,711 |
| Noninterest expense to average assets | 2.1126% | 5,543 |
| Loan and lease loss provision to assets | 0.1048% | 2,291 |
| Net operating income to assets | 1.3805% | 1,172 |
| Return on assets (ROA) | 1.4843% | 998 |
| Pretax return on assets | 1.5043% | 1,630 |
| Return on Equity (ROE) | 11.7999% | 1,531 |
| Retained earnings to average equity (ytd only) | 8.3496% | 1,205 |
| Net charge-offs to loans | 0.1699% | 2,100 |
| Credit loss provision to net charge-offs | 149.5238% | 1,591 |
| Earnings coverage of net charge-offs (x) | 21.4566% | 1,677 |
| Efficiency ratio | 58.4087% | 5,391 |
| Assets per employee ($millions) | 4.9433% | 2,311 |
| Cash dividends to net income (ytd only)* | 29.2399% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 3,492 |
| Loan loss allowance to noncurrent loans | 160.5263% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,570 |
| Noncurrent loans to loans | 0.8295% | 3,500 |
| Net loans and leases to total assets | 41.1476% | 5,740 |
| Net loans and leases to deposits | 52.7195% | 5,488 |
| Net loans and leases to core deposits | 56.1071% | 5,441 |
| Total domestic deposits to total assets | 78.0501% | 5,522 |
| Equity capital to assets | 13.3873% | 1,240 |
| Core capital (leverage) ratio | 12.5895% | 1,357 |
| Tier 1 risk-based capital ratio | 27.0921% | 703 |
| Total risk-based capital ratio | 28.2750% | 693 |
| Memoranda: | ||
| Average total assets | $199,689,000 | 3,022 |
| Average earning assets | $189,322,500 | 2,942 |
| Average equity | $25,118,250 | 2,662 |
| Average total loans | $82,378,000 | 3,838 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,801 |
| Cost of funding earning assets | 0.5756% | 2,112 |
| Net interest margin | 3.1432% | 5,111 |
| Noninterest income to average assets | 0.6130% | 2,748 |
| Noninterest expense to average assets | 2.0954% | 5,632 |
| Loan and lease loss provision to assets | 0.1038% | 2,289 |
| Net operating income to assets | 1.3766% | 1,123 |
| Return on assets (ROA) | 1.4745% | 954 |
| Pretax return on assets | 1.4944% | 1,551 |
| Return on Equity (ROE) | 11.9754% | 1,430 |
| Retained earnings to average equity (ytd only) | 8.5214% | 1,138 |
| Net charge-offs to loans | 0.0947% | 2,724 |
| Credit loss provision to net charge-offs | 266.6667% | 943 |
| Earnings coverage of net charge-offs (x) | 38.5128% | 1,087 |
| Efficiency ratio | 58.2894% | 5,521 |
| Assets per employee ($millions) | 5.0088% | 2,207 |
| Cash dividends to net income (ytd only)* | 28.8422% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 3,509 |
| Loan loss allowance to noncurrent loans | 173.3229% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 4,776 |
| Noncurrent loans to loans | 0.7882% | 3,729 |
| Net loans and leases to total assets | 40.0377% | 5,812 |
| Net loans and leases to deposits | 51.2444% | 5,544 |
| Net loans and leases to core deposits | 54.9654% | 5,490 |
| Total domestic deposits to total assets | 78.1309% | 5,612 |
| Equity capital to assets | 13.0221% | 1,360 |
| Core capital (leverage) ratio | 12.1833% | 1,556 |
| Tier 1 risk-based capital ratio | 26.7020% | 721 |
| Total risk-based capital ratio | 27.9066% | 709 |
| Memoranda: | ||
| Average total assets | $200,341,330 | 3,032 |
| Average earning assets | $190,064,000 | 2,949 |
| Average equity | $24,667,330 | 2,696 |
| Average total loans | $82,350,670 | 3,848 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 4,857 |
| Cost of funding earning assets | 0.5965% | 2,000 |
| Net interest margin | 3.1020% | 5,245 |
| Noninterest income to average assets | 0.6190% | 2,621 |
| Noninterest expense to average assets | 2.0925% | 5,697 |
| Loan and lease loss provision to assets | 0.1018% | 2,222 |
| Net operating income to assets | 1.3541% | 1,090 |
| Return on assets (ROA) | 1.3957% | 1,039 |
| Pretax return on assets | 1.4156% | 1,695 |
| Return on Equity (ROE) | 11.6714% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.6714% | 655 |
| Net charge-offs to loans | 0.1207% | 2,000 |
| Credit loss provision to net charge-offs | 204.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 29.5600% | 1,062 |
| Efficiency ratio | 58.6458% | 5,588 |
| Assets per employee ($millions) | 5.1046% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 3,924 |
| Loan loss allowance to noncurrent loans | 174.0260% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 4,996 |
| Noncurrent loans to loans | 0.7673% | 3,942 |
| Net loans and leases to total assets | 38.7934% | 5,887 |
| Net loans and leases to deposits | 49.3883% | 5,638 |
| Net loans and leases to core deposits | 53.0727% | 5,561 |
| Total domestic deposits to total assets | 78.5478% | 5,747 |
| Equity capital to assets | 12.2012% | 1,745 |
| Core capital (leverage) ratio | 12.0658% | 1,612 |
| Tier 1 risk-based capital ratio | 26.6667% | 733 |
| Total risk-based capital ratio | 27.8444% | 728 |
| Memoranda: | ||
| Average total assets | $200,336,500 | 3,044 |
| Average earning assets | $190,455,500 | 2,964 |
| Average equity | $23,956,000 | 2,758 |
| Average total loans | $82,862,500 | 3,863 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 5,846 |
| Cost of funding earning assets | 0.7243% | 1,651 |
| Net interest margin | 2.6695% | 6,177 |
| Noninterest income to average assets | 0.6372% | 2,879 |
| Noninterest expense to average assets | 2.0896% | 5,850 |
| Loan and lease loss provision to assets | 0.2106% | 1,752 |
| Net operating income to assets | 0.8566% | 2,993 |
| Return on assets (ROA) | 1.0026% | 2,380 |
| Pretax return on assets | 1.0164% | 3,286 |
| Return on Equity (ROE) | 8.3669% | 2,845 |
| Retained earnings to average equity (ytd only) | 2.6504% | 4,363 |
| Net charge-offs to loans | 0.6984% | 923 |
| Credit loss provision to net charge-offs | 72.3729% | 3,243 |
| Earnings coverage of net charge-offs (x) | 3.7102% | 3,772 |
| Efficiency ratio | 65.9353% | 4,573 |
| Assets per employee ($millions) | 4.7924% | 2,458 |
| Cash dividends to net income (ytd only)* | 68.3227% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,522 |
| Loan loss allowance to noncurrent loans | 169.2557% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 5,077 |
| Noncurrent loans to loans | 0.7233% | 4,160 |
| Net loans and leases to total assets | 42.9525% | 5,756 |
| Net loans and leases to deposits | 55.8037% | 5,322 |
| Net loans and leases to core deposits | 59.8726% | 5,231 |
| Total domestic deposits to total assets | 76.9707% | 5,973 |
| Equity capital to assets | 11.7050% | 2,025 |
| Core capital (leverage) ratio | 11.7488% | 1,794 |
| Tier 1 risk-based capital ratio | 25.1207% | 838 |
| Total risk-based capital ratio | 26.2353% | 840 |
| Memoranda: | ||
| Average total assets | $202,769,800 | 3,002 |
| Average earning assets | $192,318,800 | 2,924 |
| Average equity | $24,298,000 | 2,706 |
| Average total loans | $84,478,600 | 3,809 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3020% | 6,060 |
| Cost of funding earning assets | 0.7438% | 1,642 |
| Net interest margin | 2.5582% | 6,366 |
| Noninterest income to average assets | 0.6375% | 2,936 |
| Noninterest expense to average assets | 2.0540% | 5,917 |
| Loan and lease loss provision to assets | 0.1037% | 3,033 |
| Net operating income to assets | 0.8926% | 2,869 |
| Return on assets (ROA) | 1.0857% | 2,144 |
| Pretax return on assets | 1.1008% | 3,105 |
| Return on Equity (ROE) | 9.0104% | 2,621 |
| Retained earnings to average equity (ytd only) | 4.3373% | 3,591 |
| Net charge-offs to loans | 0.1789% | 2,794 |
| Credit loss provision to net charge-offs | 140.7080% | 1,669 |
| Earnings coverage of net charge-offs (x) | 13.6906% | 2,007 |
| Efficiency ratio | 67.0501% | 4,295 |
| Assets per employee ($millions) | 4.7644% | 2,484 |
| Cash dividends to net income (ytd only)* | 51.8631% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,350 |
| Loan loss allowance to noncurrent loans | 123.7438% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6037% | 4,629 |
| Noncurrent loans to loans | 1.2334% | 3,346 |
| Net loans and leases to total assets | 40.4974% | 5,996 |
| Net loans and leases to deposits | 51.6074% | 5,737 |
| Net loans and leases to core deposits | 55.1730% | 5,688 |
| Total domestic deposits to total assets | 78.4722% | 5,828 |
| Equity capital to assets | 11.8573% | 2,009 |
| Core capital (leverage) ratio | 11.7723% | 1,836 |
| Tier 1 risk-based capital ratio | 25.8449% | 798 |
| Total risk-based capital ratio | 27.0956% | 782 |
| Memoranda: | ||
| Average total assets | $204,340,000 | 2,999 |
| Average earning assets | $193,775,500 | 2,930 |
| Average equity | $24,622,750 | 2,696 |
| Average total loans | $84,237,500 | 3,855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 6,111 |
| Cost of funding earning assets | 0.7700% | 1,585 |
| Net interest margin | 2.5152% | 6,434 |
| Noninterest income to average assets | 0.6134% | 3,108 |
| Noninterest expense to average assets | 2.0520% | 5,957 |
| Loan and lease loss provision to assets | 0.1001% | 3,122 |
| Net operating income to assets | 0.8301% | 3,148 |
| Return on assets (ROA) | 1.1179% | 1,988 |
| Pretax return on assets | 1.1334% | 2,961 |
| Return on Equity (ROE) | 9.2290% | 2,532 |
| Retained earnings to average equity (ytd only) | 4.4620% | 3,424 |
| Net charge-offs to loans | 0.0636% | 3,793 |
| Credit loss provision to net charge-offs | 381.4815% | 686 |
| Earnings coverage of net charge-offs (x) | 35.9259% | 1,003 |
| Efficiency ratio | 68.5167% | 4,094 |
| Assets per employee ($millions) | 4.9194% | 2,200 |
| Cash dividends to net income (ytd only)* | 51.6522% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6013% | 3,158 |
| Loan loss allowance to noncurrent loans | 146.6895% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 5,005 |
| Noncurrent loans to loans | 1.0917% | 3,751 |
| Net loans and leases to total assets | 39.1480% | 6,100 |
| Net loans and leases to deposits | 48.3367% | 5,963 |
| Net loans and leases to core deposits | 51.8025% | 5,900 |
| Total domestic deposits to total assets | 80.9902% | 5,339 |
| Equity capital to assets | 11.6948% | 2,129 |
| Core capital (leverage) ratio | 11.3506% | 2,058 |
| Tier 1 risk-based capital ratio | 25.9542% | 778 |
| Total risk-based capital ratio | 27.2072% | 763 |
| Memoranda: | ||
| Average total assets | $205,752,000 | 2,992 |
| Average earning assets | $194,812,000 | 2,930 |
| Average equity | $24,921,330 | 2,671 |
| Average total loans | $84,885,670 | 3,856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3243% | 6,105 |
| Cost of funding earning assets | 0.8031% | 1,508 |
| Net interest margin | 2.5213% | 6,486 |
| Noninterest income to average assets | 0.5621% | 3,358 |
| Noninterest expense to average assets | 2.0252% | 6,050 |
| Loan and lease loss provision to assets | 0.0963% | 3,071 |
| Net operating income to assets | 0.8100% | 3,101 |
| Return on assets (ROA) | 1.1474% | 1,796 |
| Pretax return on assets | 1.1628% | 2,713 |
| Return on Equity (ROE) | 9.3169% | 2,342 |
| Retained earnings to average equity (ytd only) | 4.2364% | 3,687 |
| Net charge-offs to loans | 0.0596% | 3,220 |
| Credit loss provision to net charge-offs | 384.6154% | 655 |
| Earnings coverage of net charge-offs (x) | 36.6923% | 845 |
| Efficiency ratio | 68.8031% | 4,176 |
| Assets per employee ($millions) | 5.1400% | 2,047 |
| Cash dividends to net income (ytd only)* | 54.5302% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 3,890 |
| Loan loss allowance to noncurrent loans | 136.3239% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 5,130 |
| Noncurrent loans to loans | 1.0886% | 3,970 |
| Net loans and leases to total assets | 39.2482% | 6,058 |
| Net loans and leases to deposits | 49.4113% | 5,828 |
| Net loans and leases to core deposits | 53.1859% | 5,734 |
| Total domestic deposits to total assets | 79.4316% | 5,889 |
| Equity capital to assets | 12.1704% | 1,927 |
| Core capital (leverage) ratio | 11.1617% | 2,124 |
| Tier 1 risk-based capital ratio | 24.2803% | 985 |
| Total risk-based capital ratio | 25.5308% | 965 |
| Memoranda: | ||
| Average total assets | $207,780,000 | 3,002 |
| Average earning assets | $196,249,000 | 2,941 |
| Average equity | $25,588,000 | 2,649 |
| Average total loans | $87,206,000 | 3,807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 5,548 |
| Cost of funding earning assets | 1.0141% | 1,281 |
| Net interest margin | 2.8953% | 6,233 |
| Noninterest income to average assets | 0.5303% | 3,708 |
| Noninterest expense to average assets | 1.9994% | 6,328 |
| Loan and lease loss provision to assets | 0.1005% | 4,385 |
| Net operating income to assets | 1.1379% | 1,813 |
| Return on assets (ROA) | 1.3260% | 1,369 |
| Pretax return on assets | 1.3449% | 2,231 |
| Return on Equity (ROE) | 10.7943% | 1,875 |
| Retained earnings to average equity (ytd only) | 4.4389% | 3,115 |
| Net charge-offs to loans | 0.2976% | 3,157 |
| Credit loss provision to net charge-offs | 81.5686% | 3,779 |
| Earnings coverage of net charge-offs (x) | 10.1843% | 2,165 |
| Efficiency ratio | 61.4288% | 5,328 |
| Assets per employee ($millions) | 4.9956% | 2,235 |
| Cash dividends to net income (ytd only)* | 58.8771% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 4,469 |
| Loan loss allowance to noncurrent loans | 115.3626% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 4,886 |
| Noncurrent loans to loans | 1.1586% | 3,916 |
| Net loans and leases to total assets | 43.5726% | 5,856 |
| Net loans and leases to deposits | 57.8461% | 5,254 |
| Net loans and leases to core deposits | 62.3594% | 5,120 |
| Total domestic deposits to total assets | 75.3250% | 6,422 |
| Equity capital to assets | 12.4637% | 1,737 |
| Core capital (leverage) ratio | 11.0832% | 2,179 |
| Tier 1 risk-based capital ratio | 23.4819% | 1,040 |
| Total risk-based capital ratio | 24.7199% | 1,020 |
| Memoranda: | ||
| Average total assets | $206,862,400 | 2,962 |
| Average earning assets | $194,659,600 | 2,901 |
| Average equity | $25,411,600 | 2,616 |
| Average total loans | $85,677,600 | 3,857 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0035% | 5,510 |
| Cost of funding earning assets | 1.0446% | 1,307 |
| Net interest margin | 2.9588% | 6,256 |
| Noninterest income to average assets | 0.5086% | 3,862 |
| Noninterest expense to average assets | 1.9906% | 6,364 |
| Loan and lease loss provision to assets | 0.1003% | 4,318 |
| Net operating income to assets | 1.1819% | 1,801 |
| Return on assets (ROA) | 1.3862% | 1,384 |
| Pretax return on assets | 1.4068% | 2,212 |
| Return on Equity (ROE) | 11.3251% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.1898% | 3,229 |
| Net charge-offs to loans | 0.2778% | 3,056 |
| Credit loss provision to net charge-offs | 88.6364% | 3,338 |
| Earnings coverage of net charge-offs (x) | 11.4944% | 2,075 |
| Efficiency ratio | 60.4806% | 5,414 |
| Assets per employee ($millions) | 5.0148% | 2,167 |
| Cash dividends to net income (ytd only)* | 54.1743% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 4,083 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 5,032 |
| Noncurrent loans to loans | 1.4667% | 3,589 |
| Net loans and leases to total assets | 40.3855% | 6,249 |
| Net loans and leases to deposits | 52.9665% | 5,892 |
| Net loans and leases to core deposits | 57.2912% | 5,782 |
| Total domestic deposits to total assets | 76.2473% | 6,349 |
| Equity capital to assets | 12.6494% | 1,798 |
| Core capital (leverage) ratio | 11.0006% | 2,381 |
| Tier 1 risk-based capital ratio | 24.1468% | 1,003 |
| Total risk-based capital ratio | 25.3981% | 984 |
| Memoranda: | ||
| Average total assets | $207,373,250 | 2,992 |
| Average earning assets | $195,026,500 | 2,922 |
| Average equity | $25,382,500 | 2,650 |
| Average total loans | $84,483,500 | 3,940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 5,338 |
| Cost of funding earning assets | 1.0608% | 1,408 |
| Net interest margin | 3.0331% | 6,166 |
| Noninterest income to average assets | 0.4635% | 4,177 |
| Noninterest expense to average assets | 1.9869% | 6,459 |
| Loan and lease loss provision to assets | 0.0991% | 4,293 |
| Net operating income to assets | 1.2111% | 1,677 |
| Return on assets (ROA) | 1.4128% | 1,301 |
| Pretax return on assets | 1.4349% | 2,068 |
| Return on Equity (ROE) | 11.6708% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.9724% | 3,967 |
| Net charge-offs to loans | 0.1183% | 3,992 |
| Credit loss provision to net charge-offs | 206.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 27.6200% | 1,129 |
| Efficiency ratio | 59.9362% | 5,586 |
| Assets per employee ($millions) | 5.0670% | 2,079 |
| Cash dividends to net income (ytd only)* | 65.9632% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,781 |
| Loan loss allowance to noncurrent loans | 117.6101% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5921% | 5,290 |
| Noncurrent loans to loans | 1.3180% | 3,943 |
| Net loans and leases to total assets | 40.0169% | 6,337 |
| Net loans and leases to deposits | 52.0981% | 6,019 |
| Net loans and leases to core deposits | 55.9991% | 5,942 |
| Total domestic deposits to total assets | 76.8107% | 6,359 |
| Equity capital to assets | 12.2668% | 1,955 |
| Core capital (leverage) ratio | 10.6559% | 2,654 |
| Tier 1 risk-based capital ratio | 21.1455% | 1,454 |
| Total risk-based capital ratio | 22.3866% | 1,430 |
| Memoranda: | ||
| Average total assets | $207,962,330 | 2,996 |
| Average earning assets | $195,511,670 | 2,926 |
| Average equity | $25,174,000 | 2,653 |
| Average total loans | $84,554,330 | 3,952 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 4,942 |
| Cost of funding earning assets | 1.0862% | 1,469 |
| Net interest margin | 3.1602% | 5,879 |
| Noninterest income to average assets | 0.3556% | 5,022 |
| Noninterest expense to average assets | 1.9378% | 6,570 |
| Loan and lease loss provision to assets | 0.0980% | 4,120 |
| Net operating income to assets | 1.2648% | 1,555 |
| Return on assets (ROA) | 1.5418% | 1,074 |
| Pretax return on assets | 1.5668% | 1,679 |
| Return on Equity (ROE) | 12.8223% | 1,455 |
| Retained earnings to average equity (ytd only) | 0.0640% | 5,957 |
| Net charge-offs to loans | 0.1324% | 3,312 |
| Credit loss provision to net charge-offs | 182.1429% | 1,427 |
| Earnings coverage of net charge-offs (x) | 25.6786% | 1,022 |
| Efficiency ratio | 58.3671% | 5,866 |
| Assets per employee ($millions) | 5.1263% | 2,088 |
| Cash dividends to net income (ytd only)* | 99.5012% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,870 |
| Loan loss allowance to noncurrent loans | 110.9280% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 5,353 |
| Noncurrent loans to loans | 1.4103% | 3,991 |
| Net loans and leases to total assets | 38.2885% | 6,473 |
| Net loans and leases to deposits | 49.8612% | 6,152 |
| Net loans and leases to core deposits | 53.8713% | 6,066 |
| Total domestic deposits to total assets | 76.7901% | 6,432 |
| Equity capital to assets | 11.9913% | 2,048 |
| Core capital (leverage) ratio | 10.4421% | 2,820 |
| Tier 1 risk-based capital ratio | 21.0364% | 1,489 |
| Total risk-based capital ratio | 22.2702% | 1,462 |
| Memoranda: | ||
| Average total assets | $208,070,000 | 3,013 |
| Average earning assets | $195,178,500 | 2,962 |
| Average equity | $25,019,000 | 2,662 |
| Average total loans | $84,610,000 | 3,989 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 6,031 |
| Cost of funding earning assets | 1.2458% | 1,756 |
| Net interest margin | 2.9603% | 6,585 |
| Noninterest income to average assets | 0.5138% | 3,757 |
| Noninterest expense to average assets | 2.0048% | 6,666 |
| Loan and lease loss provision to assets | 0.1005% | 5,332 |
| Net operating income to assets | 1.1700% | 1,604 |
| Return on assets (ROA) | 1.2494% | 1,478 |
| Pretax return on assets | 1.2668% | 2,250 |
| Return on Equity (ROE) | 10.6786% | 1,807 |
| Retained earnings to average equity (ytd only) | 4.4945% | 2,974 |
| Net charge-offs to loans | 0.0563% | 5,746 |
| Credit loss provision to net charge-offs | 442.5532% | 514 |
| Earnings coverage of net charge-offs (x) | 56.6596% | 501 |
| Efficiency ratio | 60.9015% | 5,619 |
| Assets per employee ($millions) | 5.0235% | 2,169 |
| Cash dividends to net income (ytd only)* | 57.9110% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 4,304 |
| Loan loss allowance to noncurrent loans | 83.5106% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 4,963 |
| Noncurrent loans to loans | 1.7195% | 3,581 |
| Net loans and leases to total assets | 41.8577% | 6,396 |
| Net loans and leases to deposits | 56.0263% | 5,894 |
| Net loans and leases to core deposits | 60.7034% | 5,781 |
| Total domestic deposits to total assets | 74.7109% | 6,646 |
| Equity capital to assets | 12.0580% | 2,081 |
| Core capital (leverage) ratio | 10.5561% | 2,655 |
| Tier 1 risk-based capital ratio | 20.4504% | 1,535 |
| Total risk-based capital ratio | 21.6285% | 1,525 |
| Memoranda: | ||
| Average total assets | $206,900,200 | 2,980 |
| Average earning assets | $194,171,000 | 2,921 |
| Average equity | $24,207,400 | 2,647 |
| Average total loans | $83,407,600 | 4,037 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 6,370 |
| Cost of funding earning assets | 1.2813% | 1,811 |
| Net interest margin | 2.8369% | 6,846 |
| Noninterest income to average assets | 0.4976% | 3,888 |
| Noninterest expense to average assets | 2.0180% | 6,659 |
| Loan and lease loss provision to assets | 0.0998% | 5,207 |
| Net operating income to assets | 1.0279% | 2,221 |
| Return on assets (ROA) | 1.0885% | 2,160 |
| Pretax return on assets | 1.1033% | 2,992 |
| Return on Equity (ROE) | 9.3745% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.4994% | 2,860 |
| Net charge-offs to loans | 0.0777% | 5,193 |
| Credit loss provision to net charge-offs | 322.9167% | 865 |
| Earnings coverage of net charge-offs (x) | 36.9573% | 813 |
| Efficiency ratio | 63.8623% | 5,098 |
| Assets per employee ($millions) | 5.0570% | 2,117 |
| Cash dividends to net income (ytd only)* | 41.3366% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 4,315 |
| Loan loss allowance to noncurrent loans | 89.8356% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 5,261 |
| Noncurrent loans to loans | 1.6194% | 3,871 |
| Net loans and leases to total assets | 39.2708% | 6,692 |
| Net loans and leases to deposits | 51.3561% | 6,426 |
| Net loans and leases to core deposits | 55.4993% | 6,349 |
| Total domestic deposits to total assets | 76.4678% | 6,462 |
| Equity capital to assets | 12.3282% | 2,012 |
| Core capital (leverage) ratio | 10.4942% | 2,877 |
| Tier 1 risk-based capital ratio | 20.4913% | 1,567 |
| Total risk-based capital ratio | 21.6260% | 1,566 |
| Memoranda: | ||
| Average total assets | $207,134,750 | 2,993 |
| Average earning assets | $194,385,750 | 2,931 |
| Average equity | $24,050,500 | 2,665 |
| Average total loans | $82,392,750 | 4,109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 6,511 |
| Cost of funding earning assets | 1.3233% | 1,805 |
| Net interest margin | 2.7680% | 6,962 |
| Noninterest income to average assets | 0.5051% | 3,824 |
| Noninterest expense to average assets | 2.0109% | 6,765 |
| Loan and lease loss provision to assets | 0.0985% | 5,086 |
| Net operating income to assets | 0.9828% | 2,293 |
| Return on assets (ROA) | 1.0364% | 2,177 |
| Pretax return on assets | 1.0499% | 3,042 |
| Return on Equity (ROE) | 9.1137% | 2,461 |
| Retained earnings to average equity (ytd only) | 5.9286% | 2,476 |
| Net charge-offs to loans | 0.0948% | 4,730 |
| Credit loss provision to net charge-offs | 261.5385% | 1,163 |
| Earnings coverage of net charge-offs (x) | 29.0513% | 949 |
| Efficiency ratio | 64.7589% | 5,101 |
| Assets per employee ($millions) | 5.0845% | 2,007 |
| Cash dividends to net income (ytd only)* | 34.9487% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,307 |
| Loan loss allowance to noncurrent loans | 80.0830% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9436% | 4,978 |
| Noncurrent loans to loans | 1.8180% | 3,724 |
| Net loans and leases to total assets | 37.5983% | 6,880 |
| Net loans and leases to deposits | 48.8160% | 6,677 |
| Net loans and leases to core deposits | 52.4667% | 6,638 |
| Total domestic deposits to total assets | 77.0205% | 6,446 |
| Equity capital to assets | 11.9349% | 2,139 |
| Core capital (leverage) ratio | 10.2048% | 3,029 |
| Tier 1 risk-based capital ratio | 20.5239% | 1,512 |
| Total risk-based capital ratio | 21.6338% | 1,506 |
| Memoranda: | ||
| Average total assets | $207,067,330 | 3,007 |
| Average earning assets | $194,509,000 | 2,945 |
| Average equity | $23,547,000 | 2,693 |
| Average total loans | $82,315,330 | 4,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 6,530 |
| Cost of funding earning assets | 1.3589% | 1,833 |
| Net interest margin | 2.7260% | 6,989 |
| Noninterest income to average assets | 0.4826% | 4,027 |
| Noninterest expense to average assets | 2.0177% | 6,803 |
| Loan and lease loss provision to assets | 0.0989% | 4,769 |
| Net operating income to assets | 0.9129% | 2,503 |
| Return on assets (ROA) | 0.9129% | 2,561 |
| Pretax return on assets | 0.9246% | 3,412 |
| Return on Equity (ROE) | 8.2341% | 2,815 |
| Retained earnings to average equity (ytd only) | 5.4369% | 2,942 |
| Net charge-offs to loans | 0.0669% | 4,253 |
| Credit loss provision to net charge-offs | 364.2857% | 899 |
| Earnings coverage of net charge-offs (x) | 37.7143% | 712 |
| Efficiency ratio | 66.3480% | 4,979 |
| Assets per employee ($millions) | 4.9870% | 2,183 |
| Cash dividends to net income (ytd only)* | 33.9703% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,684 |
| Loan loss allowance to noncurrent loans | 93.0921% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 5,267 |
| Noncurrent loans to loans | 1.4996% | 4,222 |
| Net loans and leases to total assets | 38.1738% | 6,895 |
| Net loans and leases to deposits | 48.8836% | 6,699 |
| Net loans and leases to core deposits | 52.8226% | 6,635 |
| Total domestic deposits to total assets | 78.0912% | 6,366 |
| Equity capital to assets | 10.9900% | 2,698 |
| Core capital (leverage) ratio | 10.1069% | 3,022 |
| Tier 1 risk-based capital ratio | 20.0046% | 1,588 |
| Total risk-based capital ratio | 21.0816% | 1,596 |
| Memoranda: | ||
| Average total assets | $206,369,000 | 3,030 |
| Average earning assets | $193,689,500 | 2,964 |
| Average equity | $22,880,500 | 2,760 |
| Average total loans | $83,704,500 | 4,140 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 6,004 |
| Cost of funding earning assets | 1.6153% | 1,977 |
| Net interest margin | 3.0193% | 6,701 |
| Noninterest income to average assets | 0.5226% | 4,009 |
| Noninterest expense to average assets | 2.1294% | 6,775 |
| Loan and lease loss provision to assets | 0.1779% | 5,444 |
| Net operating income to assets | 1.0240% | 1,953 |
| Return on assets (ROA) | 1.0637% | 1,915 |
| Pretax return on assets | 1.0892% | 2,609 |
| Return on Equity (ROE) | 9.5485% | 2,094 |
| Retained earnings to average equity (ytd only) | 4.5881% | 2,670 |
| Net charge-offs to loans | 0.5620% | 3,368 |
| Credit loss provision to net charge-offs | 73.5537% | 5,773 |
| Earnings coverage of net charge-offs (x) | 5.0723% | 2,718 |
| Efficiency ratio | 63.4509% | 5,437 |
| Assets per employee ($millions) | 4.8401% | 2,357 |
| Cash dividends to net income (ytd only)* | 51.9493% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 5,167 |
| Loan loss allowance to noncurrent loans | 66.7276% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 4,888 |
| Noncurrent loans to loans | 1.9011% | 3,685 |
| Net loans and leases to total assets | 41.9243% | 6,853 |
| Net loans and leases to deposits | 55.8106% | 6,463 |
| Net loans and leases to core deposits | 60.6726% | 6,340 |
| Total domestic deposits to total assets | 75.1189% | 6,755 |
| Equity capital to assets | 11.1874% | 2,523 |
| Core capital (leverage) ratio | 10.0009% | 3,091 |
| Tier 1 risk-based capital ratio | 19.3024% | 1,636 |
| Total risk-based capital ratio | 20.3228% | 1,667 |
| Memoranda: | ||
| Average total assets | $200,154,000 | 3,098 |
| Average earning assets | $187,825,800 | 3,036 |
| Average equity | $22,296,600 | 2,846 |
| Average total loans | $86,122,400 | 4,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 6,074 |
| Cost of funding earning assets | 1.6469% | 2,124 |
| Net interest margin | 3.0402% | 6,749 |
| Noninterest income to average assets | 0.5236% | 3,998 |
| Noninterest expense to average assets | 2.1293% | 6,785 |
| Loan and lease loss provision to assets | 0.1037% | 5,998 |
| Net operating income to assets | 1.1171% | 1,834 |
| Return on assets (ROA) | 1.1696% | 1,770 |
| Pretax return on assets | 1.2004% | 2,485 |
| Return on Equity (ROE) | 10.5112% | 1,928 |
| Retained earnings to average equity (ytd only) | 5.5471% | 2,624 |
| Net charge-offs to loans | 0.6274% | 2,866 |
| Credit loss provision to net charge-offs | 38.2716% | 6,039 |
| Earnings coverage of net charge-offs (x) | 4.6148% | 2,976 |
| Efficiency ratio | 63.0121% | 5,428 |
| Assets per employee ($millions) | 4.8767% | 2,358 |
| Cash dividends to net income (ytd only)* | 47.2272% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,891 |
| Loan loss allowance to noncurrent loans | 75.7198% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8124% | 5,470 |
| Noncurrent loans to loans | 1.4685% | 4,423 |
| Net loans and leases to total assets | 42.2457% | 6,961 |
| Net loans and leases to deposits | 54.3087% | 6,751 |
| Net loans and leases to core deposits | 54.3087% | 6,943 |
| Total domestic deposits to total assets | 77.7881% | 6,296 |
| Equity capital to assets | 11.3361% | 2,671 |
| Core capital (leverage) ratio | 10.3488% | 2,858 |
| Tier 1 risk-based capital ratio | 19.1041% | 1,729 |
| Total risk-based capital ratio | 20.0057% | 1,773 |
| Memoranda: | ||
| Average total assets | $199,371,750 | 3,147 |
| Average earning assets | $187,260,750 | 3,084 |
| Average equity | $22,185,250 | 2,902 |
| Average total loans | $86,073,000 | 4,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 5,929 |
| Cost of funding earning assets | 1.6787% | 2,235 |
| Net interest margin | 3.0815% | 6,650 |
| Noninterest income to average assets | 0.5123% | 4,012 |
| Noninterest expense to average assets | 2.1311% | 6,815 |
| Loan and lease loss provision to assets | 0.1043% | 5,874 |
| Net operating income to assets | 1.1343% | 1,740 |
| Return on assets (ROA) | 1.2138% | 1,590 |
| Pretax return on assets | 1.2523% | 2,251 |
| Return on Equity (ROE) | 10.9795% | 1,762 |
| Retained earnings to average equity (ytd only) | 5.5951% | 2,559 |
| Net charge-offs to loans | 0.3224% | 3,712 |
| Credit loss provision to net charge-offs | 74.6377% | 4,846 |
| Earnings coverage of net charge-offs (x) | 9.1232% | 2,051 |
| Efficiency ratio | 62.5743% | 5,599 |
| Assets per employee ($millions) | 4.6925% | 2,595 |
| Cash dividends to net income (ytd only)* | 49.0409% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 4,415 |
| Loan loss allowance to noncurrent loans | 77.0577% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 5,227 |
| Noncurrent loans to loans | 1.8179% | 3,977 |
| Net loans and leases to total assets | 42.4637% | 7,010 |
| Net loans and leases to deposits | 55.1972% | 6,784 |
| Net loans and leases to core deposits | 55.1972% | 6,983 |
| Total domestic deposits to total assets | 76.9309% | 6,522 |
| Equity capital to assets | 11.3605% | 2,550 |
| Core capital (leverage) ratio | 10.1791% | 2,962 |
| Tier 1 risk-based capital ratio | 19.4384% | 1,618 |
| Total risk-based capital ratio | 20.5767% | 1,611 |
| Memoranda: | ||
| Average total assets | $197,554,670 | 3,200 |
| Average earning assets | $185,496,000 | 3,126 |
| Average equity | $21,840,670 | 2,935 |
| Average total loans | $85,596,670 | 4,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8867% | 5,530 |
| Cost of funding earning assets | 1.6957% | 2,415 |
| Net interest margin | 3.1910% | 6,317 |
| Noninterest income to average assets | 0.4773% | 4,224 |
| Noninterest expense to average assets | 2.1073% | 6,919 |
| Loan and lease loss provision to assets | 0.1031% | 5,592 |
| Net operating income to assets | 1.2051% | 1,526 |
| Return on assets (ROA) | 1.3166% | 1,334 |
| Pretax return on assets | 1.3792% | 1,837 |
| Return on Equity (ROE) | 12.0746% | 1,483 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,823 |
| Net charge-offs to loans | 0.1861% | 3,807 |
| Credit loss provision to net charge-offs | 127.5000% | 2,764 |
| Earnings coverage of net charge-offs (x) | 16.8750% | 1,317 |
| Efficiency ratio | 60.6872% | 6,059 |
| Assets per employee ($millions) | 4.7278% | 2,605 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 4,109 |
| Loan loss allowance to noncurrent loans | 45.7069% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4675% | 4,304 |
| Noncurrent loans to loans | 3.2031% | 2,490 |
| Net loans and leases to total assets | 41.8604% | 7,135 |
| Net loans and leases to deposits | 53.7809% | 6,930 |
| Net loans and leases to core deposits | 53.7809% | 7,117 |
| Total domestic deposits to total assets | 77.8352% | 6,360 |
| Equity capital to assets | 10.9620% | 2,799 |
| Core capital (leverage) ratio | 10.0943% | 3,047 |
| Tier 1 risk-based capital ratio | 19.0245% | 1,716 |
| Total risk-based capital ratio | 20.1996% | 1,695 |
| Memoranda: | ||
| Average total assets | $197,789,000 | 3,249 |
| Average earning assets | $185,645,000 | 3,180 |
| Average equity | $21,566,000 | 2,995 |
| Average total loans | $85,955,500 | 4,323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 5,819 |
| Cost of funding earning assets | 2.0633% | 2,665 |
| Net interest margin | 3.0993% | 6,376 |
| Noninterest income to average assets | 0.5945% | 3,675 |
| Noninterest expense to average assets | 2.4018% | 6,463 |
| Loan and lease loss provision to assets | 0.1372% | 6,272 |
| Net operating income to assets | 0.9433% | 2,030 |
| Return on assets (ROA) | 1.0123% | 1,851 |
| Pretax return on assets | 1.0238% | 2,514 |
| Return on Equity (ROE) | 9.0627% | 2,007 |
| Retained earnings to average equity (ytd only) | 4.8950% | 1,872 |
| Net charge-offs to loans | 0.0831% | 6,278 |
| Credit loss provision to net charge-offs | 347.2222% | 934 |
| Earnings coverage of net charge-offs (x) | 27.6111% | 823 |
| Efficiency ratio | 68.7569% | 4,868 |
| Assets per employee ($millions) | 4.5817% | 2,792 |
| Cash dividends to net income (ytd only)* | 45.9870% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 4,253 |
| Loan loss allowance to noncurrent loans | 45.9947% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4573% | 4,226 |
| Noncurrent loans to loans | 3.0369% | 2,541 |
| Net loans and leases to total assets | 43.8209% | 7,128 |
| Net loans and leases to deposits | 58.8269% | 6,717 |
| Net loans and leases to core deposits | 72.8682% | 6,600 |
| Total domestic deposits to total assets | 74.4913% | 6,947 |
| Equity capital to assets | 10.8446% | 2,825 |
| Core capital (leverage) ratio | 10.0972% | 3,001 |
| Tier 1 risk-based capital ratio | 18.3015% | 1,816 |
| Total risk-based capital ratio | 19.4381% | 1,798 |
| Memoranda: | ||
| Average total assets | $182,156,600 | 3,406 |
| Average earning assets | $170,360,800 | 3,341 |
| Average equity | $20,347,200 | 3,153 |
| Average total loans | $86,618,600 | 4,312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 5,675 |
| Cost of funding earning assets | 2.1435% | 2,692 |
| Net interest margin | 3.1080% | 6,295 |
| Noninterest income to average assets | 0.6030% | 3,676 |
| Noninterest expense to average assets | 2.4538% | 6,234 |
| Loan and lease loss provision to assets | 0.0837% | 6,532 |
| Net operating income to assets | 0.9585% | 2,206 |
| Return on assets (ROA) | 1.0184% | 2,065 |
| Pretax return on assets | 1.0296% | 2,807 |
| Return on Equity (ROE) | 9.0445% | 2,246 |
| Retained earnings to average equity (ytd only) | 5.3086% | 2,308 |
| Net charge-offs to loans | 0.0664% | 6,029 |
| Credit loss provision to net charge-offs | 260.4651% | 1,637 |
| Earnings coverage of net charge-offs (x) | 32.7685% | 877 |
| Efficiency ratio | 69.9766% | 4,595 |
| Assets per employee ($millions) | 4.4413% | 2,955 |
| Cash dividends to net income (ytd only)* | 41.3060% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 4,375 |
| Loan loss allowance to noncurrent loans | 46.0140% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3787% | 4,335 |
| Noncurrent loans to loans | 2.8724% | 2,648 |
| Net loans and leases to total assets | 43.5507% | 7,277 |
| Net loans and leases to deposits | 56.3527% | 7,068 |
| Net loans and leases to core deposits | 69.0451% | 7,011 |
| Total domestic deposits to total assets | 77.2824% | 6,272 |
| Equity capital to assets | 11.1988% | 2,836 |
| Core capital (leverage) ratio | 10.4069% | 2,873 |
| Tier 1 risk-based capital ratio | 18.9405% | 1,757 |
| Total risk-based capital ratio | 20.0227% | 1,760 |
| Memoranda: | ||
| Average total assets | $178,443,000 | 3,490 |
| Average earning assets | $166,704,250 | 3,431 |
| Average equity | $20,092,750 | 3,217 |
| Average total loans | $86,384,500 | 4,356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 5,329 |
| Cost of funding earning assets | 2.2184% | 2,710 |
| Net interest margin | 3.1457% | 6,106 |
| Noninterest income to average assets | 0.6083% | 3,626 |
| Noninterest expense to average assets | 2.5513% | 5,939 |
| Loan and lease loss provision to assets | 0.0861% | 6,312 |
| Net operating income to assets | 0.8882% | 2,501 |
| Return on assets (ROA) | 0.9881% | 2,252 |
| Pretax return on assets | 0.9996% | 3,014 |
| Return on Equity (ROE) | 8.7583% | 2,447 |
| Retained earnings to average equity (ytd only) | 4.0587% | 3,028 |
| Net charge-offs to loans | -0.0023% | 7,485 |
| Credit loss provision to net charge-offs | -7,500.0000% | 7,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1519% | 4,381 |
| Assets per employee ($millions) | 4.2724% | 3,160 |
| Cash dividends to net income (ytd only)* | 53.6585% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 4,013 |
| Loan loss allowance to noncurrent loans | 50.9545% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 4,315 |
| Noncurrent loans to loans | 2.6389% | 2,743 |
| Net loans and leases to total assets | 44.7701% | 7,282 |
| Net loans and leases to deposits | 57.9354% | 7,035 |
| Net loans and leases to core deposits | 71.5879% | 6,928 |
| Total domestic deposits to total assets | 77.2758% | 6,262 |
| Equity capital to assets | 10.8420% | 3,066 |
| Core capital (leverage) ratio | 10.7050% | 2,662 |
| Tier 1 risk-based capital ratio | 18.8119% | 1,813 |
| Total risk-based capital ratio | 19.9163% | 1,799 |
| Memoranda: | ||
| Average total assets | $174,265,670 | 3,566 |
| Average earning assets | $162,187,330 | 3,523 |
| Average equity | $19,661,330 | 3,298 |
| Average total loans | $87,084,330 | 4,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 5,218 |
| Cost of funding earning assets | 2.3043% | 2,680 |
| Net interest margin | 3.1382% | 6,070 |
| Noninterest income to average assets | 0.5898% | 3,627 |
| Noninterest expense to average assets | 2.4136% | 6,147 |
| Loan and lease loss provision to assets | 0.0873% | 5,843 |
| Net operating income to assets | 1.0192% | 2,234 |
| Return on assets (ROA) | 1.0924% | 2,116 |
| Pretax return on assets | 1.0924% | 3,016 |
| Return on Equity (ROE) | 9.4814% | 2,539 |
| Retained earnings to average equity (ytd only) | 5.0172% | 3,121 |
| Net charge-offs to loans | 0.0585% | 4,656 |
| Credit loss provision to net charge-offs | 284.6154% | 1,694 |
| Earnings coverage of net charge-offs (x) | 36.0769% | 922 |
| Efficiency ratio | 68.5657% | 4,855 |
| Assets per employee ($millions) | 4.7139% | 2,420 |
| Cash dividends to net income (ytd only)* | 47.0842% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 4,680 |
| Loan loss allowance to noncurrent loans | 39.7179% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5446% | 3,619 |
| Noncurrent loans to loans | 3.0667% | 2,120 |
| Net loans and leases to total assets | 49.7537% | 6,883 |
| Net loans and leases to deposits | 65.0324% | 6,457 |
| Net loans and leases to core deposits | 71.9206% | 6,917 |
| Total domestic deposits to total assets | 76.5060% | 6,402 |
| Equity capital to assets | 11.2152% | 2,798 |
| Core capital (leverage) ratio | 11.1177% | 2,409 |
| Tier 1 risk-based capital ratio | 18.4896% | 1,935 |
| Total risk-based capital ratio | 19.5369% | 1,943 |
| Memoranda: | ||
| Average total assets | $169,542,500 | 3,659 |
| Average earning assets | $158,309,500 | 3,604 |
| Average equity | $19,533,000 | 3,337 |
| Average total loans | $88,942,000 | 4,338 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8783% | 6,147 |
| Cost of funding earning assets | 2.6129% | 3,621 |
| Net interest margin | 3.2654% | 6,159 |
| Noninterest income to average assets | 0.6406% | 3,549 |
| Noninterest expense to average assets | 2.2999% | 6,703 |
| Loan and lease loss provision to assets | 0.1095% | 5,972 |
| Net operating income to assets | 1.2836% | 1,533 |
| Return on assets (ROA) | 1.3635% | 1,269 |
| Pretax return on assets | 1.3591% | 2,098 |
| Return on Equity (ROE) | 11.6478% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.1121% | 1,479 |
| Net charge-offs to loans | 0.2568% | 3,701 |
| Credit loss provision to net charge-offs | 81.1927% | 5,877 |
| Earnings coverage of net charge-offs (x) | 10.2936% | 2,536 |
| Efficiency ratio | 62.3490% | 5,888 |
| Assets per employee ($millions) | 3.8295% | 3,903 |
| Cash dividends to net income (ytd only)* | 47.5261% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 4,839 |
| Loan loss allowance to noncurrent loans | 99.7137% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 5,305 |
| Noncurrent loans to loans | 1.1640% | 4,199 |
| Net loans and leases to total assets | 54.0420% | 6,647 |
| Net loans and leases to deposits | 74.9928% | 5,733 |
| Net loans and leases to core deposits | 84.0624% | 6,289 |
| Total domestic deposits to total assets | 72.0629% | 6,985 |
| Equity capital to assets | 11.8449% | 2,388 |
| Core capital (leverage) ratio | 11.3991% | 2,313 |
| Tier 1 risk-based capital ratio | 18.9776% | 1,818 |
| Total risk-based capital ratio | 20.0475% | 1,807 |
| Memoranda: | ||
| Average total assets | $161,574,200 | 3,692 |
| Average earning assets | $150,825,800 | 3,638 |
| Average equity | $18,913,400 | 3,411 |
| Average total loans | $84,878,800 | 4,368 |