Home > FNB Picayune Bank > Performance and Condition Ratios
FNB Picayune Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 1,651 |
| Cost of funding earning assets | 0.4650% | 4,234 |
| Net interest margin | 4.7382% | 453 |
| Noninterest income to average assets | 1.9700% | 274 |
| Noninterest expense to average assets | 2.8672% | 1,343 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 3.5601% | 120 |
| Return on assets (ROA) | 3.5593% | 119 |
| Pretax return on assets | 3.5593% | 144 |
| Return on Equity (ROE) | 32.1000% | 152 |
| Retained earnings to average equity (ytd only) | 13.8542% | 412 |
| Net charge-offs to loans | -0.0110% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.3499% | 4,242 |
| Assets per employee ($millions) | 3.8715% | 4,204 |
| Cash dividends to net income (ytd only)* | 56.8434% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 1,539 |
| Loan loss allowance to noncurrent loans | 105.1908% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 290 |
| Noncurrent loans to loans | 1.2948% | 540 |
| Net loans and leases to total assets | 56.0400% | 3,190 |
| Net loans and leases to deposits | 64.4793% | 3,264 |
| Net loans and leases to core deposits | 70.2100% | 3,295 |
| Total domestic deposits to total assets | 86.9100% | 1,709 |
| Equity capital to assets | 12.5974% | 967 |
| Core capital (leverage) ratio | 15.4993% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $265,415,600 | 2,590 |
| Average earning assets | $251,591,600 | 2,564 |
| Average equity | $29,428,000 | 2,294 |
| Average total loans | $145,151,200 | 2,711 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0725% | 1,687 |
| Cost of funding earning assets | 0.4032% | 4,251 |
| Net interest margin | 4.6693% | 480 |
| Noninterest income to average assets | 2.1400% | 267 |
| Noninterest expense to average assets | 2.5938% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.9709% | 114 |
| Return on assets (ROA) | 3.9699% | 114 |
| Pretax return on assets | 3.9699% | 134 |
| Return on Equity (ROE) | 37.0800% | 143 |
| Retained earnings to average equity (ytd only) | 11.8424% | 999 |
| Net charge-offs to loans | -0.0697% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.5110% | 4,372 |
| Assets per employee ($millions) | 3.8214% | 4,224 |
| Cash dividends to net income (ytd only)* | 68.0608% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,210 |
| Loan loss allowance to noncurrent loans | 86.3384% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 221 |
| Noncurrent loans to loans | 1.6978% | 399 |
| Net loans and leases to total assets | 55.4200% | 3,256 |
| Net loans and leases to deposits | 62.6024% | 3,368 |
| Net loans and leases to core deposits | 66.6749% | 3,395 |
| Total domestic deposits to total assets | 88.5300% | 1,401 |
| Equity capital to assets | 11.0734% | 1,321 |
| Core capital (leverage) ratio | 14.8380% | 651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $264,985,750 | 2,601 |
| Average earning assets | $251,336,750 | 2,566 |
| Average equity | $28,372,000 | 2,332 |
| Average total loans | $143,497,500 | 2,732 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 1,623 |
| Cost of funding earning assets | 0.3606% | 4,225 |
| Net interest margin | 4.6034% | 523 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.5183% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7413% | 189 |
| Return on assets (ROA) | 2.7398% | 188 |
| Pretax return on assets | 2.7398% | 269 |
| Return on Equity (ROE) | 25.8800% | 341 |
| Retained earnings to average equity (ytd only) | -2.5982% | 4,322 |
| Net charge-offs to loans | -0.1015% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.8797% | 4,072 |
| Assets per employee ($millions) | 3.7042% | 4,287 |
| Cash dividends to net income (ytd only)* | 110.0385% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 1,155 |
| Loan loss allowance to noncurrent loans | 88.3958% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5977% | 215 |
| Noncurrent loans to loans | 1.7060% | 361 |
| Net loans and leases to total assets | 53.1600% | 3,332 |
| Net loans and leases to deposits | 59.5416% | 3,449 |
| Net loans and leases to core deposits | 63.2068% | 3,492 |
| Total domestic deposits to total assets | 89.2900% | 1,142 |
| Equity capital to assets | 10.4049% | 1,633 |
| Core capital (leverage) ratio | 13.7123% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $265,422,333 | 2,605 |
| Average earning assets | $251,769,667 | 2,575 |
| Average equity | $28,096,667 | 2,350 |
| Average total loans | $141,893,333 | 2,753 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 1,464 |
| Cost of funding earning assets | 0.3055% | 4,185 |
| Net interest margin | 4.5653% | 528 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.4624% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7494% | 195 |
| Return on assets (ROA) | 2.7494% | 190 |
| Pretax return on assets | 2.7494% | 269 |
| Return on Equity (ROE) | 25.7500% | 376 |
| Retained earnings to average equity (ytd only) | 1.3159% | 3,821 |
| Net charge-offs to loans | -0.0142% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.2464% | 4,140 |
| Assets per employee ($millions) | 3.8136% | 4,324 |
| Cash dividends to net income (ytd only)* | 94.8901% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 1,353 |
| Loan loss allowance to noncurrent loans | 82.5422% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.6546% | 180 |
| Noncurrent loans to loans | 1.7880% | 347 |
| Net loans and leases to total assets | 53.3800% | 3,241 |
| Net loans and leases to deposits | 60.1472% | 3,326 |
| Net loans and leases to core deposits | 63.8841% | 3,354 |
| Total domestic deposits to total assets | 88.7500% | 1,638 |
| Equity capital to assets | 10.9789% | 1,350 |
| Core capital (leverage) ratio | 13.9118% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $264,782,500 | 2,642 |
| Average earning assets | $251,373,000 | 2,610 |
| Average equity | $28,270,000 | 2,374 |
| Average total loans | $140,859,500 | 2,788 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 967 |
| Cost of funding earning assets | 0.2319% | 3,499 |
| Net interest margin | 4.1197% | 635 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 2.4638% | 2,224 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 2.3550% | 172 |
| Return on assets (ROA) | 2.3550% | 166 |
| Pretax return on assets | 2.3550% | 254 |
| Return on Equity (ROE) | 22.9800% | 281 |
| Retained earnings to average equity (ytd only) | 4.9811% | 3,065 |
| Net charge-offs to loans | 0.0213% | 1,648 |
| Credit loss provision to net charge-offs | 371.4286% | 803 |
| Earnings coverage of net charge-offs (x) | 240.3571% | 564 |
| Efficiency ratio | 50.7393% | 4,085 |
| Assets per employee ($millions) | 3.9765% | 4,291 |
| Cash dividends to net income (ytd only)* | 78.3278% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,171 |
| Loan loss allowance to noncurrent loans | 78.0959% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6868% | 170 |
| Noncurrent loans to loans | 1.9324% | 295 |
| Net loans and leases to total assets | 51.4400% | 3,397 |
| Net loans and leases to deposits | 57.5445% | 3,485 |
| Net loans and leases to core deposits | 61.3411% | 3,430 |
| Total domestic deposits to total assets | 89.4000% | 1,595 |
| Equity capital to assets | 10.3782% | 1,518 |
| Core capital (leverage) ratio | 13.3763% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $281,354,200 | 2,547 |
| Average earning assets | $266,891,200 | 2,509 |
| Average equity | $28,829,200 | 2,387 |
| Average total loans | $131,323,600 | 2,815 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1937% | 903 |
| Cost of funding earning assets | 0.2302% | 2,924 |
| Net interest margin | 3.9635% | 690 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.3595% | 2,444 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.3033% | 190 |
| Return on assets (ROA) | 2.3033% | 187 |
| Pretax return on assets | 2.3033% | 272 |
| Return on Equity (ROE) | 22.5500% | 272 |
| Retained earnings to average equity (ytd only) | -1.2132% | 4,439 |
| Net charge-offs to loans | 0.0227% | 1,377 |
| Credit loss provision to net charge-offs | 472.7273% | 633 |
| Earnings coverage of net charge-offs (x) | 228.5909% | 578 |
| Efficiency ratio | 50.0794% | 4,158 |
| Assets per employee ($millions) | 4.4838% | 4,067 |
| Cash dividends to net income (ytd only)* | 105.3807% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,103 |
| Loan loss allowance to noncurrent loans | 91.6812% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4518% | 238 |
| Noncurrent loans to loans | 1.7230% | 380 |
| Net loans and leases to total assets | 46.4300% | 3,731 |
| Net loans and leases to deposits | 50.9526% | 3,790 |
| Net loans and leases to core deposits | 54.0392% | 3,741 |
| Total domestic deposits to total assets | 91.1200% | 1,189 |
| Equity capital to assets | 8.5942% | 2,483 |
| Core capital (leverage) ratio | 12.2478% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $285,086,500 | 2,547 |
| Average earning assets | $270,428,000 | 2,514 |
| Average equity | $29,124,000 | 2,403 |
| Average total loans | $129,365,750 | 2,834 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 891 |
| Cost of funding earning assets | 0.2299% | 2,506 |
| Net interest margin | 3.8049% | 746 |
| Noninterest income to average assets | 1.0016% | 661 |
| Noninterest expense to average assets | 2.5025% | 1,919 |
| Loan and lease loss provision to assets | 0.0308% | 2,037 |
| Net operating income to assets | 2.0800% | 193 |
| Return on assets (ROA) | 2.0800% | 195 |
| Pretax return on assets | 2.0800% | 315 |
| Return on Equity (ROE) | 19.3496% | 359 |
| Retained earnings to average equity (ytd only) | -3.8257% | 4,492 |
| Net charge-offs to loans | 0.0141% | 1,489 |
| Credit loss provision to net charge-offs | 488.8889% | 638 |
| Earnings coverage of net charge-offs (x) | 335.3333% | 369 |
| Efficiency ratio | 54.2450% | 3,942 |
| Assets per employee ($millions) | 4.7193% | 3,918 |
| Cash dividends to net income (ytd only)* | 119.7714% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,187 |
| Loan loss allowance to noncurrent loans | 92.4113% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 268 |
| Noncurrent loans to loans | 1.7138% | 402 |
| Net loans and leases to total assets | 44.4237% | 3,801 |
| Net loans and leases to deposits | 49.1850% | 3,854 |
| Net loans and leases to core deposits | 52.2545% | 3,803 |
| Total domestic deposits to total assets | 90.3195% | 1,570 |
| Equity capital to assets | 9.3842% | 2,107 |
| Core capital (leverage) ratio | 11.7858% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,955,000 | 2,557 |
| Average earning assets | $271,436,667 | 2,530 |
| Average equity | $30,739,667 | 2,383 |
| Average total loans | $128,069,333 | 2,868 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 1,177 |
| Cost of funding earning assets | 0.2289% | 2,414 |
| Net interest margin | 3.5215% | 1,050 |
| Noninterest income to average assets | 0.9376% | 784 |
| Noninterest expense to average assets | 3.0892% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1958% | 1,256 |
| Return on assets (ROA) | 1.1958% | 1,250 |
| Pretax return on assets | 1.1958% | 1,828 |
| Return on Equity (ROE) | 10.4533% | 1,808 |
| Retained earnings to average equity (ytd only) | -3.9261% | 4,369 |
| Net charge-offs to loans | 0.0094% | 1,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 333 |
| Efficiency ratio | 72.0930% | 1,962 |
| Assets per employee ($millions) | 4.6300% | 4,053 |
| Cash dividends to net income (ytd only)* | 137.5587% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,296 |
| Loan loss allowance to noncurrent loans | 87.4513% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 218 |
| Noncurrent loans to loans | 1.8203% | 420 |
| Net loans and leases to total assets | 43.5227% | 3,776 |
| Net loans and leases to deposits | 48.7306% | 3,834 |
| Net loans and leases to core deposits | 51.6459% | 3,760 |
| Total domestic deposits to total assets | 89.3129% | 1,917 |
| Equity capital to assets | 10.3610% | 1,651 |
| Core capital (leverage) ratio | 12.2581% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,993,500 | 2,579 |
| Average earning assets | $270,911,000 | 2,552 |
| Average equity | $32,602,000 | 2,351 |
| Average total loans | $127,132,000 | 2,883 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 995 |
| Cost of funding earning assets | 0.2802% | 2,601 |
| Net interest margin | 3.9195% | 820 |
| Noninterest income to average assets | 1.5066% | 495 |
| Noninterest expense to average assets | 2.4546% | 2,324 |
| Loan and lease loss provision to assets | 0.0383% | 2,280 |
| Net operating income to assets | 2.7153% | 126 |
| Return on assets (ROA) | 2.7153% | 128 |
| Pretax return on assets | 2.7153% | 195 |
| Return on Equity (ROE) | 21.0029% | 262 |
| Retained earnings to average equity (ytd only) | 4.6271% | 2,954 |
| Net charge-offs to loans | -0.0193% | 3,962 |
| Credit loss provision to net charge-offs | -384.6154% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1286% | 4,450 |
| Assets per employee ($millions) | 4.4745% | 4,133 |
| Cash dividends to net income (ytd only)* | 77.9692% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,252 |
| Loan loss allowance to noncurrent loans | 97.7767% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 242 |
| Noncurrent loans to loans | 1.6385% | 524 |
| Net loans and leases to total assets | 44.0765% | 3,834 |
| Net loans and leases to deposits | 50.3609% | 3,858 |
| Net loans and leases to core deposits | 53.9018% | 3,757 |
| Total domestic deposits to total assets | 87.5212% | 2,275 |
| Equity capital to assets | 12.2124% | 1,165 |
| Core capital (leverage) ratio | 12.4189% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,778,800 | 2,659 |
| Average earning assets | $246,280,800 | 2,642 |
| Average equity | $33,714,400 | 2,343 |
| Average total loans | $134,503,800 | 2,790 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 890 |
| Cost of funding earning assets | 0.2939% | 2,654 |
| Net interest margin | 4.0543% | 710 |
| Noninterest income to average assets | 1.6835% | 447 |
| Noninterest expense to average assets | 2.3117% | 2,720 |
| Loan and lease loss provision to assets | 0.0521% | 1,949 |
| Net operating income to assets | 3.1347% | 107 |
| Return on assets (ROA) | 3.1347% | 112 |
| Pretax return on assets | 3.1347% | 157 |
| Return on Equity (ROE) | 23.8818% | 209 |
| Retained earnings to average equity (ytd only) | 1.9322% | 4,204 |
| Net charge-offs to loans | -0.0361% | 4,212 |
| Credit loss provision to net charge-offs | -270.2703% | 3,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0423% | 4,661 |
| Assets per employee ($millions) | 4.3597% | 4,223 |
| Cash dividends to net income (ytd only)* | 91.9094% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,394 |
| Loan loss allowance to noncurrent loans | 82.2483% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9297% | 200 |
| Noncurrent loans to loans | 1.9194% | 470 |
| Net loans and leases to total assets | 46.9140% | 3,722 |
| Net loans and leases to deposits | 53.7976% | 3,755 |
| Net loans and leases to core deposits | 58.0028% | 3,630 |
| Total domestic deposits to total assets | 87.2045% | 2,266 |
| Equity capital to assets | 12.4962% | 1,169 |
| Core capital (leverage) ratio | 12.7585% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4461% | 404 |
| Memoranda: | ||
| Average total assets | $255,500,000 | 2,711 |
| Average earning assets | $240,431,250 | 2,700 |
| Average equity | $33,536,500 | 2,385 |
| Average total loans | $136,561,750 | 2,805 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 874 |
| Cost of funding earning assets | 0.3087% | 2,690 |
| Net interest margin | 4.0700% | 734 |
| Noninterest income to average assets | 0.7128% | 1,758 |
| Noninterest expense to average assets | 2.3531% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1902% | 346 |
| Return on assets (ROA) | 2.1902% | 367 |
| Pretax return on assets | 2.1902% | 587 |
| Return on Equity (ROE) | 16.4035% | 879 |
| Retained earnings to average equity (ytd only) | -1.9847% | 4,666 |
| Net charge-offs to loans | -0.0129% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7920% | 4,066 |
| Assets per employee ($millions) | 4.1409% | 4,370 |
| Cash dividends to net income (ytd only)* | 112.0991% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,918 |
| Loan loss allowance to noncurrent loans | 68.1688% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 2.2903% | 165 |
| Noncurrent loans to loans | 2.0716% | 456 |
| Net loans and leases to total assets | 51.8276% | 3,362 |
| Net loans and leases to deposits | 59.7059% | 3,413 |
| Net loans and leases to core deposits | 64.5856% | 3,235 |
| Total domestic deposits to total assets | 86.8047% | 2,422 |
| Equity capital to assets | 12.8969% | 979 |
| Core capital (leverage) ratio | 12.6703% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4254% | 360 |
| Memoranda: | ||
| Average total assets | $250,567,000 | 2,740 |
| Average earning assets | $235,820,667 | 2,716 |
| Average equity | $33,456,333 | 2,384 |
| Average total loans | $139,135,000 | 2,790 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 795 |
| Cost of funding earning assets | 0.3220% | 2,779 |
| Net interest margin | 4.1639% | 644 |
| Noninterest income to average assets | 0.6206% | 2,125 |
| Noninterest expense to average assets | 2.3759% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1529% | 447 |
| Return on assets (ROA) | 2.1529% | 487 |
| Pretax return on assets | 2.1529% | 742 |
| Return on Equity (ROE) | 15.8435% | 1,048 |
| Retained earnings to average equity (ytd only) | -0.6542% | 4,425 |
| Net charge-offs to loans | 0.0057% | 1,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 666.0000% | 147 |
| Efficiency ratio | 52.4625% | 3,959 |
| Assets per employee ($millions) | 4.1417% | 4,390 |
| Cash dividends to net income (ytd only)* | 104.1291% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,092 |
| Loan loss allowance to noncurrent loans | 59.2929% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 168 |
| Noncurrent loans to loans | 2.3142% | 422 |
| Net loans and leases to total assets | 53.9127% | 3,254 |
| Net loans and leases to deposits | 62.3092% | 3,292 |
| Net loans and leases to core deposits | 67.5093% | 3,103 |
| Total domestic deposits to total assets | 86.5244% | 2,516 |
| Equity capital to assets | 13.1391% | 875 |
| Core capital (leverage) ratio | 13.3508% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7123% | 426 |
| Memoranda: | ||
| Average total assets | $247,482,500 | 2,744 |
| Average earning assets | $232,279,500 | 2,727 |
| Average equity | $33,629,000 | 2,369 |
| Average total loans | $141,219,500 | 2,772 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 401 |
| Cost of funding earning assets | 0.4332% | 3,387 |
| Net interest margin | 4.6755% | 226 |
| Noninterest income to average assets | 0.9076% | 1,247 |
| Noninterest expense to average assets | 2.7375% | 2,123 |
| Loan and lease loss provision to assets | 0.0680% | 3,530 |
| Net operating income to assets | 2.4594% | 141 |
| Return on assets (ROA) | 2.4594% | 147 |
| Pretax return on assets | 2.4594% | 202 |
| Return on Equity (ROE) | 16.8760% | 425 |
| Retained earnings to average equity (ytd only) | 4.7244% | 2,404 |
| Net charge-offs to loans | 0.0874% | 1,590 |
| Credit loss provision to net charge-offs | 118.7500% | 2,644 |
| Earnings coverage of net charge-offs (x) | 44.1641% | 1,306 |
| Efficiency ratio | 51.9956% | 4,382 |
| Assets per employee ($millions) | 3.8464% | 4,473 |
| Cash dividends to net income (ytd only)* | 72.0051% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,346 |
| Loan loss allowance to noncurrent loans | 65.6856% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.8078% | 142 |
| Noncurrent loans to loans | 2.0009% | 574 |
| Net loans and leases to total assets | 58.7815% | 3,004 |
| Net loans and leases to deposits | 68.6863% | 3,011 |
| Net loans and leases to core deposits | 74.9015% | 2,828 |
| Total domestic deposits to total assets | 85.5796% | 2,539 |
| Equity capital to assets | 14.0569% | 780 |
| Core capital (leverage) ratio | 13.7501% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7068% | 457 |
| Memoranda: | ||
| Average total assets | $223,674,000 | 2,768 |
| Average earning assets | $208,447,400 | 2,755 |
| Average equity | $32,596,600 | 2,354 |
| Average total loans | $146,384,800 | 2,695 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2462% | 380 |
| Cost of funding earning assets | 0.4564% | 3,489 |
| Net interest margin | 4.7897% | 209 |
| Noninterest income to average assets | 0.8042% | 1,482 |
| Noninterest expense to average assets | 2.6397% | 2,418 |
| Loan and lease loss provision to assets | 0.0927% | 3,154 |
| Net operating income to assets | 2.5185% | 139 |
| Return on assets (ROA) | 2.5185% | 147 |
| Pretax return on assets | 2.5185% | 204 |
| Return on Equity (ROE) | 17.1141% | 437 |
| Retained earnings to average equity (ytd only) | 0.7281% | 4,328 |
| Net charge-offs to loans | 0.1162% | 1,196 |
| Credit loss provision to net charge-offs | 118.7500% | 2,502 |
| Earnings coverage of net charge-offs (x) | 33.5078% | 1,499 |
| Efficiency ratio | 50.2725% | 4,472 |
| Assets per employee ($millions) | 3.7173% | 4,547 |
| Cash dividends to net income (ytd only)* | 95.7457% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,269 |
| Loan loss allowance to noncurrent loans | 60.5230% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 3.0975% | 140 |
| Noncurrent loans to loans | 2.1067% | 566 |
| Net loans and leases to total assets | 62.7509% | 2,915 |
| Net loans and leases to deposits | 73.2591% | 3,018 |
| Net loans and leases to core deposits | 80.6902% | 2,785 |
| Total domestic deposits to total assets | 85.6562% | 2,197 |
| Equity capital to assets | 13.9489% | 872 |
| Core capital (leverage) ratio | 13.4628% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8361% | 524 |
| Memoranda: | ||
| Average total assets | $219,011,750 | 2,786 |
| Average earning assets | $203,318,250 | 2,779 |
| Average equity | $32,230,000 | 2,362 |
| Average total loans | $146,896,500 | 2,693 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3863% | 413 |
| Cost of funding earning assets | 0.4705% | 3,699 |
| Net interest margin | 4.9158% | 232 |
| Noninterest income to average assets | 0.8282% | 1,354 |
| Noninterest expense to average assets | 2.7230% | 2,314 |
| Loan and lease loss provision to assets | 0.1215% | 2,818 |
| Net operating income to assets | 2.5641% | 127 |
| Return on assets (ROA) | 2.5641% | 137 |
| Pretax return on assets | 2.5641% | 190 |
| Return on Equity (ROE) | 17.0987% | 444 |
| Retained earnings to average equity (ytd only) | -0.8852% | 4,461 |
| Net charge-offs to loans | 0.1491% | 969 |
| Credit loss provision to net charge-offs | 119.2661% | 2,290 |
| Earnings coverage of net charge-offs (x) | 26.3578% | 1,527 |
| Efficiency ratio | 50.3457% | 4,483 |
| Assets per employee ($millions) | 3.8442% | 4,439 |
| Cash dividends to net income (ytd only)* | 105.1768% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,230 |
| Loan loss allowance to noncurrent loans | 76.2480% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.8983% | 171 |
| Noncurrent loans to loans | 1.6465% | 890 |
| Net loans and leases to total assets | 64.5899% | 2,808 |
| Net loans and leases to deposits | 75.4496% | 2,924 |
| Net loans and leases to core deposits | 83.0658% | 2,684 |
| Total domestic deposits to total assets | 85.6067% | 2,161 |
| Equity capital to assets | 13.9849% | 857 |
| Core capital (leverage) ratio | 13.8763% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0599% | 573 |
| Memoranda: | ||
| Average total assets | $213,952,000 | 2,801 |
| Average earning assets | $199,357,000 | 2,785 |
| Average equity | $32,084,333 | 2,357 |
| Average total loans | $146,243,667 | 2,691 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 326 |
| Cost of funding earning assets | 0.4991% | 3,950 |
| Net interest margin | 5.0624% | 171 |
| Noninterest income to average assets | 0.9689% | 916 |
| Noninterest expense to average assets | 2.8171% | 2,385 |
| Loan and lease loss provision to assets | 0.1362% | 2,020 |
| Net operating income to assets | 2.7120% | 89 |
| Return on assets (ROA) | 2.7120% | 91 |
| Pretax return on assets | 2.7120% | 124 |
| Return on Equity (ROE) | 17.4258% | 299 |
| Retained earnings to average equity (ytd only) | 2.1876% | 3,375 |
| Net charge-offs to loans | 0.0611% | 1,401 |
| Credit loss provision to net charge-offs | 318.1818% | 1,132 |
| Earnings coverage of net charge-offs (x) | 66.5455% | 754 |
| Efficiency ratio | 49.7253% | 4,685 |
| Assets per employee ($millions) | 3.4722% | 4,510 |
| Cash dividends to net income (ytd only)* | 87.4462% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 1,898 |
| Loan loss allowance to noncurrent loans | 51.6120% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 3.5381% | 132 |
| Noncurrent loans to loans | 2.6202% | 442 |
| Net loans and leases to total assets | 67.2632% | 2,656 |
| Net loans and leases to deposits | 79.9272% | 2,690 |
| Net loans and leases to core deposits | 88.3332% | 2,496 |
| Total domestic deposits to total assets | 84.1555% | 2,732 |
| Equity capital to assets | 15.4384% | 690 |
| Core capital (leverage) ratio | 15.1937% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3452% | 478 |
| Memoranda: | ||
| Average total assets | $205,603,500 | 2,828 |
| Average earning assets | $190,740,000 | 2,825 |
| Average equity | $31,998,500 | 2,353 |
| Average total loans | $143,930,500 | 2,694 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 572 |
| Cost of funding earning assets | 0.4596% | 4,238 |
| Net interest margin | 5.0282% | 252 |
| Noninterest income to average assets | 1.0321% | 905 |
| Noninterest expense to average assets | 2.8991% | 2,298 |
| Loan and lease loss provision to assets | 0.1034% | 1,995 |
| Net operating income to assets | 2.7083% | 103 |
| Return on assets (ROA) | 2.7083% | 109 |
| Pretax return on assets | 2.7083% | 143 |
| Return on Equity (ROE) | 18.2119% | 327 |
| Retained earnings to average equity (ytd only) | 4.1229% | 2,904 |
| Net charge-offs to loans | 0.1437% | 1,366 |
| Credit loss provision to net charge-offs | 102.8986% | 2,412 |
| Earnings coverage of net charge-offs (x) | 27.9807% | 1,644 |
| Efficiency ratio | 50.7650% | 4,689 |
| Assets per employee ($millions) | 3.3813% | 4,580 |
| Cash dividends to net income (ytd only)* | 77.3615% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2845% | 2,004 |
| Loan loss allowance to noncurrent loans | 52.1872% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 3.4292% | 134 |
| Noncurrent loans to loans | 2.4614% | 444 |
| Net loans and leases to total assets | 70.9483% | 2,257 |
| Net loans and leases to deposits | 84.6594% | 2,252 |
| Net loans and leases to core deposits | 94.0126% | 2,059 |
| Total domestic deposits to total assets | 83.8044% | 2,909 |
| Equity capital to assets | 15.6914% | 657 |
| Core capital (leverage) ratio | 15.2384% | 639 |
| Tier 1 risk-based capital ratio | 22.6211% | 950 |
| Total risk-based capital ratio | 23.8727% | 935 |
| Memoranda: | ||
| Average total assets | $205,997,600 | 2,795 |
| Average earning assets | $191,679,600 | 2,783 |
| Average equity | $30,633,800 | 2,354 |
| Average total loans | $144,033,400 | 2,676 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 620 |
| Cost of funding earning assets | 0.4500% | 4,325 |
| Net interest margin | 5.0200% | 278 |
| Noninterest income to average assets | 1.0027% | 931 |
| Noninterest expense to average assets | 2.7417% | 2,738 |
| Loan and lease loss provision to assets | 0.0716% | 2,446 |
| Net operating income to assets | 2.8577% | 98 |
| Return on assets (ROA) | 2.8577% | 103 |
| Pretax return on assets | 2.8577% | 138 |
| Return on Equity (ROE) | 19.4806% | 281 |
| Retained earnings to average equity (ytd only) | 0.5099% | 4,663 |
| Net charge-offs to loans | 0.1439% | 1,130 |
| Credit loss provision to net charge-offs | 71.6129% | 2,599 |
| Earnings coverage of net charge-offs (x) | 29.3099% | 1,648 |
| Efficiency ratio | 48.3457% | 4,834 |
| Assets per employee ($millions) | 3.2048% | 4,750 |
| Cash dividends to net income (ytd only)* | 97.3826% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,117 |
| Loan loss allowance to noncurrent loans | 43.2298% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 3.6979% | 120 |
| Noncurrent loans to loans | 2.9378% | 345 |
| Net loans and leases to total assets | 70.1927% | 2,439 |
| Net loans and leases to deposits | 83.2510% | 2,535 |
| Net loans and leases to core deposits | 91.4116% | 2,424 |
| Total domestic deposits to total assets | 84.3145% | 2,708 |
| Equity capital to assets | 15.2363% | 781 |
| Core capital (leverage) ratio | 14.7352% | 804 |
| Tier 1 risk-based capital ratio | 21.8753% | 1,086 |
| Total risk-based capital ratio | 23.1260% | 1,061 |
| Memoranda: | ||
| Average total assets | $206,778,000 | 2,805 |
| Average earning assets | $192,293,000 | 2,796 |
| Average equity | $30,333,750 | 2,383 |
| Average total loans | $143,589,250 | 2,708 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 681 |
| Cost of funding earning assets | 0.4385% | 4,361 |
| Net interest margin | 4.9613% | 312 |
| Noninterest income to average assets | 1.0192% | 846 |
| Noninterest expense to average assets | 2.7312% | 2,814 |
| Loan and lease loss provision to assets | 0.0749% | 2,315 |
| Net operating income to assets | 2.8166% | 106 |
| Return on assets (ROA) | 2.8166% | 111 |
| Pretax return on assets | 2.8166% | 154 |
| Return on Equity (ROE) | 19.4429% | 287 |
| Retained earnings to average equity (ytd only) | -1.5236% | 4,879 |
| Net charge-offs to loans | 0.0891% | 1,478 |
| Credit loss provision to net charge-offs | 121.8750% | 1,723 |
| Earnings coverage of net charge-offs (x) | 47.0781% | 1,140 |
| Efficiency ratio | 48.5748% | 4,865 |
| Assets per employee ($millions) | 3.4043% | 4,596 |
| Cash dividends to net income (ytd only)* | 107.8365% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,940 |
| Loan loss allowance to noncurrent loans | 49.7751% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 3.5871% | 137 |
| Noncurrent loans to loans | 2.6449% | 423 |
| Net loans and leases to total assets | 69.0307% | 2,672 |
| Net loans and leases to deposits | 82.1047% | 2,720 |
| Net loans and leases to core deposits | 89.6987% | 2,622 |
| Total domestic deposits to total assets | 84.0764% | 2,827 |
| Equity capital to assets | 14.9052% | 839 |
| Core capital (leverage) ratio | 14.4575% | 838 |
| Tier 1 risk-based capital ratio | 21.5981% | 1,107 |
| Total risk-based capital ratio | 22.8495% | 1,084 |
| Memoranda: | ||
| Average total assets | $208,404,000 | 2,799 |
| Average earning assets | $193,377,330 | 2,794 |
| Average equity | $30,191,000 | 2,392 |
| Average total loans | $143,605,000 | 2,721 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 666 |
| Cost of funding earning assets | 0.4490% | 4,291 |
| Net interest margin | 4.9243% | 324 |
| Noninterest income to average assets | 0.9863% | 837 |
| Noninterest expense to average assets | 2.7024% | 2,899 |
| Loan and lease loss provision to assets | 0.0570% | 2,523 |
| Net operating income to assets | 2.7708% | 105 |
| Return on assets (ROA) | 2.7708% | 115 |
| Pretax return on assets | 2.7708% | 162 |
| Return on Equity (ROE) | 19.3986% | 299 |
| Retained earnings to average equity (ytd only) | 1.4369% | 4,212 |
| Net charge-offs to loans | 0.0111% | 2,288 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 372.0000% | 211 |
| Efficiency ratio | 48.8660% | 4,906 |
| Assets per employee ($millions) | 3.4813% | 4,580 |
| Cash dividends to net income (ytd only)* | 92.5926% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 1,975 |
| Loan loss allowance to noncurrent loans | 44.3014% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.5129% | 152 |
| Noncurrent loans to loans | 2.9931% | 365 |
| Net loans and leases to total assets | 66.3356% | 3,001 |
| Net loans and leases to deposits | 80.0406% | 2,836 |
| Net loans and leases to core deposits | 87.1811% | 2,765 |
| Total domestic deposits to total assets | 82.8775% | 3,428 |
| Equity capital to assets | 14.3211% | 932 |
| Core capital (leverage) ratio | 14.4228% | 835 |
| Tier 1 risk-based capital ratio | 21.7478% | 1,082 |
| Total risk-based capital ratio | 22.9996% | 1,060 |
| Memoranda: | ||
| Average total assets | $210,477,500 | 2,804 |
| Average earning assets | $194,221,500 | 2,814 |
| Average equity | $30,064,000 | 2,407 |
| Average total loans | $143,967,000 | 2,754 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 745 |
| Cost of funding earning assets | 0.3479% | 4,290 |
| Net interest margin | 4.8174% | 383 |
| Noninterest income to average assets | 0.9964% | 948 |
| Noninterest expense to average assets | 2.7456% | 2,872 |
| Loan and lease loss provision to assets | 0.0234% | 3,704 |
| Net operating income to assets | 2.6820% | 113 |
| Return on assets (ROA) | 2.6820% | 112 |
| Pretax return on assets | 2.6820% | 149 |
| Return on Equity (ROE) | 20.1235% | 242 |
| Retained earnings to average equity (ytd only) | 6.1305% | 2,128 |
| Net charge-offs to loans | 0.1067% | 1,682 |
| Credit loss provision to net charge-offs | 33.3333% | 3,330 |
| Earnings coverage of net charge-offs (x) | 38.5200% | 1,353 |
| Efficiency ratio | 50.3694% | 4,916 |
| Assets per employee ($millions) | 3.4196% | 4,640 |
| Cash dividends to net income (ytd only)* | 69.5356% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,116 |
| Loan loss allowance to noncurrent loans | 46.3046% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 3.5657% | 145 |
| Noncurrent loans to loans | 2.7774% | 399 |
| Net loans and leases to total assets | 68.6995% | 2,777 |
| Net loans and leases to deposits | 83.3377% | 2,588 |
| Net loans and leases to core deposits | 90.8990% | 2,500 |
| Total domestic deposits to total assets | 82.4350% | 3,508 |
| Equity capital to assets | 14.2457% | 903 |
| Core capital (leverage) ratio | 14.2995% | 844 |
| Tier 1 risk-based capital ratio | 21.3089% | 1,124 |
| Total risk-based capital ratio | 22.5599% | 1,104 |
| Memoranda: | ||
| Average total assets | $213,575,800 | 2,743 |
| Average earning assets | $197,494,400 | 2,741 |
| Average equity | $28,464,200 | 2,433 |
| Average total loans | $140,548,600 | 2,766 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1073% | 749 |
| Cost of funding earning assets | 0.3388% | 4,252 |
| Net interest margin | 4.7685% | 397 |
| Noninterest income to average assets | 0.9744% | 998 |
| Noninterest expense to average assets | 2.6117% | 3,248 |
| Loan and lease loss provision to assets | 0.0062% | 3,850 |
| Net operating income to assets | 2.7508% | 109 |
| Return on assets (ROA) | 2.7508% | 109 |
| Pretax return on assets | 2.7508% | 150 |
| Return on Equity (ROE) | 20.9909% | 212 |
| Retained earnings to average equity (ytd only) | 2.1265% | 4,531 |
| Net charge-offs to loans | 0.0851% | 1,659 |
| Credit loss provision to net charge-offs | 11.2360% | 3,050 |
| Earnings coverage of net charge-offs (x) | 49.9117% | 1,177 |
| Efficiency ratio | 48.6474% | 5,020 |
| Assets per employee ($millions) | 3.3142% | 4,760 |
| Cash dividends to net income (ytd only)* | 89.8690% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 1,888 |
| Loan loss allowance to noncurrent loans | 56.3582% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 3.3400% | 190 |
| Noncurrent loans to loans | 2.3949% | 562 |
| Net loans and leases to total assets | 67.1580% | 3,055 |
| Net loans and leases to deposits | 78.1717% | 3,224 |
| Net loans and leases to core deposits | 85.2089% | 3,071 |
| Total domestic deposits to total assets | 85.9109% | 2,237 |
| Equity capital to assets | 13.6326% | 1,085 |
| Core capital (leverage) ratio | 13.1876% | 1,212 |
| Tier 1 risk-based capital ratio | 21.2368% | 1,149 |
| Total risk-based capital ratio | 22.4886% | 1,131 |
| Memoranda: | ||
| Average total assets | $214,820,500 | 2,748 |
| Average earning assets | $197,961,500 | 2,752 |
| Average equity | $28,151,250 | 2,454 |
| Average total loans | $139,392,750 | 2,794 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 814 |
| Cost of funding earning assets | 0.3317% | 4,193 |
| Net interest margin | 4.6711% | 475 |
| Noninterest income to average assets | 0.9214% | 1,126 |
| Noninterest expense to average assets | 2.5512% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6613% | 117 |
| Return on assets (ROA) | 2.6613% | 116 |
| Pretax return on assets | 2.6613% | 167 |
| Return on Equity (ROE) | 20.5691% | 229 |
| Retained earnings to average equity (ytd only) | 0.4398% | 4,879 |
| Net charge-offs to loans | 0.0761% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 54.7170% | 1,064 |
| Efficiency ratio | 48.9437% | 5,077 |
| Assets per employee ($millions) | 3.6305% | 4,424 |
| Cash dividends to net income (ytd only)* | 97.8621% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,861 |
| Loan loss allowance to noncurrent loans | 57.2026% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 3.0579% | 236 |
| Noncurrent loans to loans | 2.3933% | 555 |
| Net loans and leases to total assets | 63.3032% | 3,475 |
| Net loans and leases to deposits | 72.9170% | 3,639 |
| Net loans and leases to core deposits | 78.6563% | 3,524 |
| Total domestic deposits to total assets | 86.8155% | 1,927 |
| Equity capital to assets | 12.7980% | 1,394 |
| Core capital (leverage) ratio | 13.0133% | 1,211 |
| Tier 1 risk-based capital ratio | 20.9497% | 1,183 |
| Total risk-based capital ratio | 22.2016% | 1,156 |
| Memoranda: | ||
| Average total assets | $217,934,670 | 2,745 |
| Average earning assets | $200,210,330 | 2,757 |
| Average equity | $28,197,670 | 2,463 |
| Average total loans | $139,229,330 | 2,804 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 691 |
| Cost of funding earning assets | 0.3355% | 4,096 |
| Net interest margin | 4.6725% | 424 |
| Noninterest income to average assets | 0.9065% | 1,135 |
| Noninterest expense to average assets | 2.5708% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.6038% | 122 |
| Return on assets (ROA) | 2.6038% | 123 |
| Pretax return on assets | 2.6038% | 183 |
| Return on Equity (ROE) | 20.0159% | 244 |
| Retained earnings to average equity (ytd only) | 4.6831% | 3,316 |
| Net charge-offs to loans | 0.0605% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 67.5714% | 786 |
| Efficiency ratio | 49.6809% | 5,103 |
| Assets per employee ($millions) | 3.5296% | 4,631 |
| Cash dividends to net income (ytd only)* | 76.6032% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,967 |
| Loan loss allowance to noncurrent loans | 60.7176% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 3.0653% | 258 |
| Noncurrent loans to loans | 2.2494% | 656 |
| Net loans and leases to total assets | 63.2019% | 3,410 |
| Net loans and leases to deposits | 72.7184% | 3,534 |
| Net loans and leases to core deposits | 78.5641% | 3,446 |
| Total domestic deposits to total assets | 86.9132% | 2,162 |
| Equity capital to assets | 12.7274% | 1,375 |
| Core capital (leverage) ratio | 13.1882% | 1,107 |
| Tier 1 risk-based capital ratio | 20.7072% | 1,243 |
| Total risk-based capital ratio | 21.9590% | 1,223 |
| Memoranda: | ||
| Average total assets | $217,986,500 | 2,778 |
| Average earning assets | $199,122,500 | 2,798 |
| Average equity | $28,357,500 | 2,477 |
| Average total loans | $138,940,000 | 2,827 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 796 |
| Cost of funding earning assets | 0.3589% | 3,624 |
| Net interest margin | 4.5423% | 560 |
| Noninterest income to average assets | 0.9714% | 1,087 |
| Noninterest expense to average assets | 2.7162% | 3,077 |
| Loan and lease loss provision to assets | 0.0878% | 2,433 |
| Net operating income to assets | 2.3384% | 151 |
| Return on assets (ROA) | 2.3384% | 152 |
| Pretax return on assets | 2.3384% | 249 |
| Return on Equity (ROE) | 17.9150% | 315 |
| Retained earnings to average equity (ytd only) | 3.0715% | 3,461 |
| Net charge-offs to loans | 0.0706% | 2,441 |
| Credit loss provision to net charge-offs | 197.8723% | 1,381 |
| Earnings coverage of net charge-offs (x) | 54.6596% | 1,028 |
| Efficiency ratio | 52.8191% | 5,054 |
| Assets per employee ($millions) | 3.4453% | 4,773 |
| Cash dividends to net income (ytd only)* | 82.8554% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 1,573 |
| Loan loss allowance to noncurrent loans | 59.8054% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 3.2615% | 231 |
| Noncurrent loans to loans | 2.4292% | 568 |
| Net loans and leases to total assets | 62.4640% | 3,559 |
| Net loans and leases to deposits | 72.3877% | 3,662 |
| Net loans and leases to core deposits | 78.0685% | 3,578 |
| Total domestic deposits to total assets | 86.2910% | 2,317 |
| Equity capital to assets | 13.3017% | 1,132 |
| Core capital (leverage) ratio | 13.3989% | 1,009 |
| Tier 1 risk-based capital ratio | 21.6271% | 1,056 |
| Total risk-based capital ratio | 22.8801% | 1,037 |
| Memoranda: | ||
| Average total assets | $211,767,000 | 2,802 |
| Average earning assets | $194,461,800 | 2,820 |
| Average equity | $27,641,600 | 2,506 |
| Average total loans | $133,052,400 | 2,872 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 791 |
| Cost of funding earning assets | 0.3624% | 3,533 |
| Net interest margin | 4.5184% | 577 |
| Noninterest income to average assets | 1.0190% | 992 |
| Noninterest expense to average assets | 2.6590% | 3,209 |
| Loan and lease loss provision to assets | 0.1155% | 1,871 |
| Net operating income to assets | 2.3908% | 159 |
| Return on assets (ROA) | 2.3908% | 161 |
| Pretax return on assets | 2.3908% | 261 |
| Return on Equity (ROE) | 18.4049% | 304 |
| Retained earnings to average equity (ytd only) | -1.5253% | 5,394 |
| Net charge-offs to loans | 0.0916% | 1,874 |
| Credit loss provision to net charge-offs | 201.0989% | 1,338 |
| Earnings coverage of net charge-offs (x) | 43.6485% | 1,223 |
| Efficiency ratio | 51.4781% | 5,143 |
| Assets per employee ($millions) | 3.3297% | 4,944 |
| Cash dividends to net income (ytd only)* | 108.2872% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,706 |
| Loan loss allowance to noncurrent loans | 62.2863% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 3.3055% | 251 |
| Noncurrent loans to loans | 2.3244% | 681 |
| Net loans and leases to total assets | 63.8292% | 3,435 |
| Net loans and leases to deposits | 73.9464% | 3,575 |
| Net loans and leases to core deposits | 79.5869% | 3,478 |
| Total domestic deposits to total assets | 86.3181% | 2,169 |
| Equity capital to assets | 13.2199% | 1,286 |
| Core capital (leverage) ratio | 12.7735% | 1,307 |
| Tier 1 risk-based capital ratio | 20.7822% | 1,235 |
| Total risk-based capital ratio | 22.0358% | 1,202 |
| Memoranda: | ||
| Average total assets | $211,306,000 | 2,829 |
| Average earning assets | $193,899,500 | 2,849 |
| Average equity | $27,448,500 | 2,539 |
| Average total loans | $132,466,250 | 2,902 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 902 |
| Cost of funding earning assets | 0.3630% | 3,450 |
| Net interest margin | 4.4145% | 683 |
| Noninterest income to average assets | 0.9980% | 1,020 |
| Noninterest expense to average assets | 2.6891% | 3,122 |
| Loan and lease loss provision to assets | 0.0491% | 3,008 |
| Net operating income to assets | 2.3133% | 171 |
| Return on assets (ROA) | 2.3133% | 169 |
| Pretax return on assets | 2.3133% | 288 |
| Return on Equity (ROE) | 17.9133% | 343 |
| Retained earnings to average equity (ytd only) | -4.8695% | 5,531 |
| Net charge-offs to loans | 0.1584% | 1,216 |
| Credit loss provision to net charge-offs | 50.0000% | 2,561 |
| Earnings coverage of net charge-offs (x) | 24.0577% | 1,656 |
| Efficiency ratio | 53.2336% | 5,078 |
| Assets per employee ($millions) | 3.5019% | 4,717 |
| Cash dividends to net income (ytd only)* | 127.1837% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 2,165 |
| Loan loss allowance to noncurrent loans | 38.6967% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.0629% | 165 |
| Noncurrent loans to loans | 3.4923% | 328 |
| Net loans and leases to total assets | 62.2953% | 3,592 |
| Net loans and leases to deposits | 71.8057% | 3,761 |
| Net loans and leases to core deposits | 77.1363% | 3,669 |
| Total domestic deposits to total assets | 86.7553% | 2,062 |
| Equity capital to assets | 12.8313% | 1,458 |
| Core capital (leverage) ratio | 12.4789% | 1,381 |
| Tier 1 risk-based capital ratio | 20.4630% | 1,279 |
| Total risk-based capital ratio | 21.7151% | 1,247 |
| Memoranda: | ||
| Average total assets | $211,816,670 | 2,840 |
| Average earning assets | $194,496,000 | 2,861 |
| Average equity | $27,354,000 | 2,547 |
| Average total loans | $131,333,670 | 2,927 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6587% | 1,010 |
| Cost of funding earning assets | 0.3634% | 3,378 |
| Net interest margin | 4.2953% | 794 |
| Noninterest income to average assets | 1.0089% | 985 |
| Noninterest expense to average assets | 2.7366% | 3,007 |
| Loan and lease loss provision to assets | 0.0171% | 3,353 |
| Net operating income to assets | 2.1999% | 228 |
| Return on assets (ROA) | 2.1999% | 232 |
| Pretax return on assets | 2.1999% | 358 |
| Return on Equity (ROE) | 16.9802% | 415 |
| Retained earnings to average equity (ytd only) | -6.1187% | 5,449 |
| Net charge-offs to loans | 0.2624% | 693 |
| Credit loss provision to net charge-offs | 10.5882% | 2,221 |
| Earnings coverage of net charge-offs (x) | 13.7529% | 1,762 |
| Efficiency ratio | 55.2450% | 5,017 |
| Assets per employee ($millions) | 3.5496% | 4,724 |
| Cash dividends to net income (ytd only)* | 136.0345% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 2,215 |
| Loan loss allowance to noncurrent loans | 41.7848% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 3.9775% | 190 |
| Noncurrent loans to loans | 3.2762% | 386 |
| Net loans and leases to total assets | 60.8259% | 3,695 |
| Net loans and leases to deposits | 70.0461% | 3,793 |
| Net loans and leases to core deposits | 75.0636% | 3,736 |
| Total domestic deposits to total assets | 86.8370% | 2,292 |
| Equity capital to assets | 12.7837% | 1,360 |
| Core capital (leverage) ratio | 12.8429% | 1,202 |
| Tier 1 risk-based capital ratio | 21.3271% | 1,169 |
| Total risk-based capital ratio | 22.5789% | 1,151 |
| Memoranda: | ||
| Average total assets | $210,916,000 | 2,882 |
| Average earning assets | $193,702,000 | 2,889 |
| Average equity | $27,326,000 | 2,558 |
| Average total loans | $129,552,000 | 2,966 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8756% | 773 |
| Cost of funding earning assets | 0.3834% | 3,170 |
| Net interest margin | 4.4921% | 636 |
| Noninterest income to average assets | 1.3777% | 606 |
| Noninterest expense to average assets | 2.7458% | 3,205 |
| Loan and lease loss provision to assets | 0.1165% | 2,124 |
| Net operating income to assets | 2.7008% | 107 |
| Return on assets (ROA) | 2.7008% | 109 |
| Pretax return on assets | 2.7008% | 152 |
| Return on Equity (ROE) | 20.3279% | 196 |
| Retained earnings to average equity (ytd only) | -0.5567% | 5,389 |
| Net charge-offs to loans | 0.1878% | 1,478 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 24.1826% | 1,649 |
| Efficiency ratio | 49.3570% | 5,515 |
| Assets per employee ($millions) | 3.4239% | 4,866 |
| Cash dividends to net income (ytd only)* | 102.7385% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,803 |
| Loan loss allowance to noncurrent loans | 49.4984% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 3.9577% | 195 |
| Noncurrent loans to loans | 2.9649% | 467 |
| Net loans and leases to total assets | 60.2743% | 3,818 |
| Net loans and leases to deposits | 69.7605% | 3,928 |
| Net loans and leases to core deposits | 74.7051% | 3,864 |
| Total domestic deposits to total assets | 86.4017% | 2,413 |
| Equity capital to assets | 13.1315% | 1,205 |
| Core capital (leverage) ratio | 13.0953% | 1,101 |
| Tier 1 risk-based capital ratio | 21.1556% | 1,181 |
| Total risk-based capital ratio | 22.4078% | 1,168 |
| Memoranda: | ||
| Average total assets | $206,861,800 | 2,890 |
| Average earning assets | $192,736,600 | 2,870 |
| Average equity | $27,484,400 | 2,536 |
| Average total loans | $128,324,400 | 2,947 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9043% | 717 |
| Cost of funding earning assets | 0.3845% | 3,181 |
| Net interest margin | 4.5198% | 598 |
| Noninterest income to average assets | 1.4957% | 536 |
| Noninterest expense to average assets | 2.6244% | 3,582 |
| Loan and lease loss provision to assets | 0.1499% | 1,564 |
| Net operating income to assets | 2.9436% | 93 |
| Return on assets (ROA) | 2.9436% | 97 |
| Pretax return on assets | 2.9436% | 132 |
| Return on Equity (ROE) | 22.0899% | 157 |
| Retained earnings to average equity (ytd only) | -5.7504% | 5,756 |
| Net charge-offs to loans | 0.2013% | 1,163 |
| Credit loss provision to net charge-offs | 119.5876% | 2,091 |
| Earnings coverage of net charge-offs (x) | 24.6804% | 1,665 |
| Efficiency ratio | 45.8983% | 5,673 |
| Assets per employee ($millions) | 3.4240% | 4,877 |
| Cash dividends to net income (ytd only)* | 126.0317% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,804 |
| Loan loss allowance to noncurrent loans | 70.8256% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.5109% | 282 |
| Noncurrent loans to loans | 2.1013% | 916 |
| Net loans and leases to total assets | 60.6263% | 3,799 |
| Net loans and leases to deposits | 70.0757% | 3,979 |
| Net loans and leases to core deposits | 75.0430% | 3,915 |
| Total domestic deposits to total assets | 86.5156% | 2,119 |
| Equity capital to assets | 13.0449% | 1,468 |
| Core capital (leverage) ratio | 12.7710% | 1,283 |
| Tier 1 risk-based capital ratio | 20.2229% | 1,403 |
| Total risk-based capital ratio | 21.4753% | 1,369 |
| Memoranda: | ||
| Average total assets | $206,363,000 | 2,907 |
| Average earning assets | $192,777,500 | 2,884 |
| Average equity | $27,499,000 | 2,555 |
| Average total loans | $128,465,000 | 2,947 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 960 |
| Cost of funding earning assets | 0.3883% | 3,167 |
| Net interest margin | 4.3602% | 833 |
| Noninterest income to average assets | 0.9809% | 1,170 |
| Noninterest expense to average assets | 2.5991% | 3,724 |
| Loan and lease loss provision to assets | 0.0662% | 2,818 |
| Net operating income to assets | 2.4240% | 166 |
| Return on assets (ROA) | 2.4240% | 170 |
| Pretax return on assets | 2.4240% | 244 |
| Return on Equity (ROE) | 18.0616% | 351 |
| Retained earnings to average equity (ytd only) | -16.6260% | 5,948 |
| Net charge-offs to loans | 0.0607% | 2,326 |
| Credit loss provision to net charge-offs | 174.3590% | 1,438 |
| Earnings coverage of net charge-offs (x) | 65.6154% | 824 |
| Efficiency ratio | 51.0707% | 5,496 |
| Assets per employee ($millions) | 3.3161% | 5,036 |
| Cash dividends to net income (ytd only)* | 192.0514% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,950 |
| Loan loss allowance to noncurrent loans | 41.1854% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.7986% | 451 |
| Noncurrent loans to loans | 3.5893% | 365 |
| Net loans and leases to total assets | 62.7324% | 3,538 |
| Net loans and leases to deposits | 72.2703% | 3,759 |
| Net loans and leases to core deposits | 76.9200% | 3,745 |
| Total domestic deposits to total assets | 86.8025% | 2,011 |
| Equity capital to assets | 13.0314% | 1,483 |
| Core capital (leverage) ratio | 12.2826% | 1,465 |
| Tier 1 risk-based capital ratio | 20.2727% | 1,395 |
| Total risk-based capital ratio | 21.5263% | 1,366 |
| Memoranda: | ||
| Average total assets | $205,529,670 | 2,927 |
| Average earning assets | $193,662,000 | 2,885 |
| Average equity | $27,583,330 | 2,560 |
| Average total loans | $128,440,330 | 2,959 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5765% | 1,324 |
| Cost of funding earning assets | 0.4076% | 2,989 |
| Net interest margin | 4.1689% | 1,177 |
| Noninterest income to average assets | 0.9635% | 1,158 |
| Noninterest expense to average assets | 2.5430% | 3,932 |
| Loan and lease loss provision to assets | 0.0174% | 3,461 |
| Net operating income to assets | 2.3132% | 201 |
| Return on assets (ROA) | 2.3132% | 209 |
| Pretax return on assets | 2.3132% | 312 |
| Return on Equity (ROE) | 16.9959% | 440 |
| Retained earnings to average equity (ytd only) | -1.2626% | 5,308 |
| Net charge-offs to loans | -0.0187% | 4,818 |
| Credit loss provision to net charge-offs | -150.0000% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1791% | 5,505 |
| Assets per employee ($millions) | 3.3932% | 4,987 |
| Cash dividends to net income (ytd only)* | 107.4290% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 2,040 |
| Loan loss allowance to noncurrent loans | 31.2397% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 3.3123% | 360 |
| Noncurrent loans to loans | 4.7659% | 218 |
| Net loans and leases to total assets | 60.4162% | 3,718 |
| Net loans and leases to deposits | 70.0762% | 3,850 |
| Net loans and leases to core deposits | 74.3098% | 3,855 |
| Total domestic deposits to total assets | 86.2150% | 2,583 |
| Equity capital to assets | 13.6347% | 1,122 |
| Core capital (leverage) ratio | 13.2995% | 1,051 |
| Tier 1 risk-based capital ratio | 22.7343% | 1,050 |
| Total risk-based capital ratio | 23.9880% | 1,020 |
| Memoranda: | ||
| Average total assets | $207,154,500 | 2,921 |
| Average earning assets | $194,298,000 | 2,884 |
| Average equity | $28,195,000 | 2,513 |
| Average total loans | $128,261,000 | 2,959 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 889 |
| Cost of funding earning assets | 0.4840% | 2,320 |
| Net interest margin | 4.3379% | 890 |
| Noninterest income to average assets | 1.0743% | 1,022 |
| Noninterest expense to average assets | 2.8199% | 3,150 |
| Loan and lease loss provision to assets | 0.0177% | 4,053 |
| Net operating income to assets | 2.2879% | 215 |
| Return on assets (ROA) | 2.2879% | 220 |
| Pretax return on assets | 2.2879% | 299 |
| Return on Equity (ROE) | 16.9636% | 457 |
| Retained earnings to average equity (ytd only) | 2.6126% | 4,216 |
| Net charge-offs to loans | 0.0973% | 2,447 |
| Credit loss provision to net charge-offs | 27.4809% | 3,680 |
| Earnings coverage of net charge-offs (x) | 35.8626% | 1,278 |
| Efficiency ratio | 55.0172% | 5,436 |
| Assets per employee ($millions) | 3.3987% | 4,981 |
| Cash dividends to net income (ytd only)* | 84.5989% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 2,226 |
| Loan loss allowance to noncurrent loans | 31.6136% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 3.5018% | 339 |
| Noncurrent loans to loans | 4.5771% | 228 |
| Net loans and leases to total assets | 61.5966% | 3,618 |
| Net loans and leases to deposits | 71.4464% | 3,773 |
| Net loans and leases to core deposits | 76.7438% | 3,689 |
| Total domestic deposits to total assets | 86.2138% | 2,530 |
| Equity capital to assets | 13.5865% | 1,095 |
| Core capital (leverage) ratio | 13.3071% | 1,035 |
| Tier 1 risk-based capital ratio | 23.2154% | 990 |
| Total risk-based capital ratio | 24.4694% | 975 |
| Memoranda: | ||
| Average total assets | $203,768,400 | 2,904 |
| Average earning assets | $190,299,200 | 2,885 |
| Average equity | $27,482,400 | 2,504 |
| Average total loans | $134,645,200 | 2,809 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8949% | 773 |
| Cost of funding earning assets | 0.4959% | 2,252 |
| Net interest margin | 4.3990% | 799 |
| Noninterest income to average assets | 1.0699% | 1,051 |
| Noninterest expense to average assets | 2.7628% | 3,334 |
| Loan and lease loss provision to assets | 0.0177% | 3,924 |
| Net operating income to assets | 2.3935% | 186 |
| Return on assets (ROA) | 2.3935% | 195 |
| Pretax return on assets | 2.3935% | 290 |
| Return on Equity (ROE) | 17.7799% | 417 |
| Retained earnings to average equity (ytd only) | -1.4939% | 5,805 |
| Net charge-offs to loans | 0.1118% | 2,012 |
| Credit loss provision to net charge-offs | 23.6842% | 3,333 |
| Earnings coverage of net charge-offs (x) | 32.1834% | 1,428 |
| Efficiency ratio | 53.3977% | 5,560 |
| Assets per employee ($millions) | 3.4225% | 4,937 |
| Cash dividends to net income (ytd only)* | 108.4020% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 2,502 |
| Loan loss allowance to noncurrent loans | 34.7097% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 3.2705% | 427 |
| Noncurrent loans to loans | 4.0933% | 306 |
| Net loans and leases to total assets | 63.6237% | 3,364 |
| Net loans and leases to deposits | 73.5343% | 3,596 |
| Net loans and leases to core deposits | 79.3518% | 3,478 |
| Total domestic deposits to total assets | 86.5226% | 2,268 |
| Equity capital to assets | 13.2529% | 1,329 |
| Core capital (leverage) ratio | 12.9385% | 1,227 |
| Tier 1 risk-based capital ratio | 20.8636% | 1,366 |
| Total risk-based capital ratio | 22.1169% | 1,341 |
| Memoranda: | ||
| Average total assets | $202,879,750 | 2,942 |
| Average earning assets | $189,281,000 | 2,924 |
| Average equity | $27,311,000 | 2,531 |
| Average total loans | $135,911,750 | 2,802 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 668 |
| Cost of funding earning assets | 0.5071% | 2,189 |
| Net interest margin | 4.4335% | 719 |
| Noninterest income to average assets | 1.0700% | 1,046 |
| Noninterest expense to average assets | 2.8012% | 3,233 |
| Loan and lease loss provision to assets | 0.0178% | 3,767 |
| Net operating income to assets | 2.3706% | 203 |
| Return on assets (ROA) | 2.3706% | 211 |
| Pretax return on assets | 2.3706% | 303 |
| Return on Equity (ROE) | 17.5182% | 447 |
| Retained earnings to average equity (ytd only) | -2.8526% | 5,912 |
| Net charge-offs to loans | 0.1255% | 1,750 |
| Credit loss provision to net charge-offs | 20.9302% | 3,009 |
| Earnings coverage of net charge-offs (x) | 28.0581% | 1,431 |
| Efficiency ratio | 53.9767% | 5,588 |
| Assets per employee ($millions) | 3.2240% | 5,306 |
| Cash dividends to net income (ytd only)* | 116.2839% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 2,763 |
| Loan loss allowance to noncurrent loans | 37.5815% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 3.3114% | 456 |
| Noncurrent loans to loans | 3.7240% | 455 |
| Net loans and leases to total assets | 65.9728% | 2,951 |
| Net loans and leases to deposits | 76.2559% | 3,241 |
| Net loans and leases to core deposits | 82.0902% | 3,162 |
| Total domestic deposits to total assets | 86.5150% | 2,428 |
| Equity capital to assets | 13.2881% | 1,261 |
| Core capital (leverage) ratio | 12.9883% | 1,173 |
| Tier 1 risk-based capital ratio | 20.3128% | 1,481 |
| Total risk-based capital ratio | 21.5655% | 1,456 |
| Memoranda: | ||
| Average total assets | $202,056,000 | 2,974 |
| Average earning assets | $187,752,000 | 2,953 |
| Average equity | $27,343,000 | 2,535 |
| Average total loans | $137,037,330 | 2,793 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 800 |
| Cost of funding earning assets | 0.5227% | 2,082 |
| Net interest margin | 4.3104% | 856 |
| Noninterest income to average assets | 0.9924% | 1,132 |
| Noninterest expense to average assets | 2.8363% | 3,117 |
| Loan and lease loss provision to assets | 0.0179% | 3,489 |
| Net operating income to assets | 2.1317% | 263 |
| Return on assets (ROA) | 2.1317% | 282 |
| Pretax return on assets | 2.1317% | 452 |
| Return on Equity (ROE) | 15.6107% | 616 |
| Retained earnings to average equity (ytd only) | -0.1163% | 5,398 |
| Net charge-offs to loans | 0.1221% | 1,532 |
| Credit loss provision to net charge-offs | 21.4286% | 2,348 |
| Earnings coverage of net charge-offs (x) | 25.7857% | 1,257 |
| Efficiency ratio | 56.8869% | 5,450 |
| Assets per employee ($millions) | 3.1717% | 5,448 |
| Cash dividends to net income (ytd only)* | 100.7449% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 2,807 |
| Loan loss allowance to noncurrent loans | 30.7900% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 3.6529% | 439 |
| Noncurrent loans to loans | 4.6261% | 327 |
| Net loans and leases to total assets | 66.0387% | 2,758 |
| Net loans and leases to deposits | 76.6200% | 2,976 |
| Net loans and leases to core deposits | 82.6232% | 2,898 |
| Total domestic deposits to total assets | 86.1900% | 2,833 |
| Equity capital to assets | 13.5977% | 1,132 |
| Core capital (leverage) ratio | 13.2771% | 1,060 |
| Tier 1 risk-based capital ratio | 20.5822% | 1,513 |
| Total risk-based capital ratio | 21.8349% | 1,476 |
| Memoranda: | ||
| Average total assets | $201,527,000 | 2,994 |
| Average earning assets | $186,712,000 | 2,976 |
| Average equity | $27,519,500 | 2,537 |
| Average total loans | $137,605,000 | 2,783 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3478% | 415 |
| Cost of funding earning assets | 0.5873% | 1,881 |
| Net interest margin | 4.7605% | 468 |
| Noninterest income to average assets | 1.1460% | 921 |
| Noninterest expense to average assets | 3.0888% | 2,561 |
| Loan and lease loss provision to assets | 0.0549% | 3,454 |
| Net operating income to assets | 2.3903% | 171 |
| Return on assets (ROA) | 2.3903% | 174 |
| Pretax return on assets | 2.3903% | 234 |
| Return on Equity (ROE) | 18.2653% | 371 |
| Retained earnings to average equity (ytd only) | 4.7083% | 2,828 |
| Net charge-offs to loans | 0.1243% | 2,786 |
| Credit loss provision to net charge-offs | 62.5000% | 3,243 |
| Earnings coverage of net charge-offs (x) | 27.8466% | 1,419 |
| Efficiency ratio | 55.8150% | 5,683 |
| Assets per employee ($millions) | 3.2268% | 5,395 |
| Cash dividends to net income (ytd only)* | 74.2225% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 2,881 |
| Loan loss allowance to noncurrent loans | 31.4998% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.6473% | 498 |
| Noncurrent loans to loans | 4.4921% | 373 |
| Net loans and leases to total assets | 68.6035% | 2,470 |
| Net loans and leases to deposits | 79.7535% | 2,748 |
| Net loans and leases to core deposits | 86.6451% | 2,635 |
| Total domestic deposits to total assets | 86.0195% | 2,827 |
| Equity capital to assets | 13.7141% | 1,066 |
| Core capital (leverage) ratio | 13.2879% | 1,029 |
| Tier 1 risk-based capital ratio | 20.9695% | 1,414 |
| Total risk-based capital ratio | 22.2227% | 1,378 |
| Memoranda: | ||
| Average total assets | $200,434,800 | 2,990 |
| Average earning assets | $184,749,800 | 2,978 |
| Average equity | $26,230,000 | 2,552 |
| Average total loans | $141,577,400 | 2,692 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3959% | 382 |
| Cost of funding earning assets | 0.5979% | 1,854 |
| Net interest margin | 4.7980% | 430 |
| Noninterest income to average assets | 1.0406% | 1,131 |
| Noninterest expense to average assets | 3.0193% | 2,737 |
| Loan and lease loss provision to assets | 0.0672% | 3,006 |
| Net operating income to assets | 2.3617% | 176 |
| Return on assets (ROA) | 2.3617% | 180 |
| Pretax return on assets | 2.3617% | 276 |
| Return on Equity (ROE) | 18.2653% | 417 |
| Retained earnings to average equity (ytd only) | -0.0206% | 5,796 |
| Net charge-offs to loans | 0.1904% | 1,943 |
| Credit loss provision to net charge-offs | 49.7537% | 3,106 |
| Earnings coverage of net charge-offs (x) | 17.9950% | 1,868 |
| Efficiency ratio | 55.4186% | 5,713 |
| Assets per employee ($millions) | 3.2248% | 5,380 |
| Cash dividends to net income (ytd only)* | 100.1125% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 3,272 |
| Loan loss allowance to noncurrent loans | 38.4417% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 4.6074% | 392 |
| Noncurrent loans to loans | 3.5863% | 656 |
| Net loans and leases to total assets | 69.1951% | 2,328 |
| Net loans and leases to deposits | 79.8099% | 2,717 |
| Net loans and leases to core deposits | 86.6603% | 2,588 |
| Total domestic deposits to total assets | 86.6999% | 2,477 |
| Equity capital to assets | 13.0950% | 1,383 |
| Core capital (leverage) ratio | 12.6972% | 1,302 |
| Tier 1 risk-based capital ratio | 19.4703% | 1,789 |
| Total risk-based capital ratio | 20.7232% | 1,758 |
| Memoranda: | ||
| Average total assets | $200,527,500 | 3,010 |
| Average earning assets | $184,210,000 | 3,010 |
| Average equity | $25,928,250 | 2,584 |
| Average total loans | $142,166,500 | 2,694 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3168% | 425 |
| Cost of funding earning assets | 0.6017% | 1,881 |
| Net interest margin | 4.7151% | 470 |
| Noninterest income to average assets | 1.0153% | 1,158 |
| Noninterest expense to average assets | 2.9603% | 2,965 |
| Loan and lease loss provision to assets | 0.0917% | 2,495 |
| Net operating income to assets | 2.3126% | 188 |
| Return on assets (ROA) | 2.3126% | 194 |
| Pretax return on assets | 2.3126% | 295 |
| Return on Equity (ROE) | 17.9618% | 462 |
| Retained earnings to average equity (ytd only) | -2.7705% | 6,074 |
| Net charge-offs to loans | 0.1751% | 1,990 |
| Credit loss provision to net charge-offs | 73.6000% | 2,411 |
| Earnings coverage of net charge-offs (x) | 19.3040% | 1,634 |
| Efficiency ratio | 55.1820% | 5,818 |
| Assets per employee ($millions) | 3.1302% | 5,544 |
| Cash dividends to net income (ytd only)* | 115.4244% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 3,346 |
| Loan loss allowance to noncurrent loans | 46.9416% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.9794% | 536 |
| Noncurrent loans to loans | 2.9833% | 975 |
| Net loans and leases to total assets | 70.3961% | 2,019 |
| Net loans and leases to deposits | 80.9327% | 2,393 |
| Net loans and leases to core deposits | 87.6826% | 2,349 |
| Total domestic deposits to total assets | 86.9811% | 2,464 |
| Equity capital to assets | 12.8791% | 1,438 |
| Core capital (leverage) ratio | 12.4703% | 1,410 |
| Tier 1 risk-based capital ratio | 19.1096% | 1,895 |
| Total risk-based capital ratio | 20.3626% | 1,856 |
| Memoranda: | ||
| Average total assets | $200,723,670 | 3,029 |
| Average earning assets | $185,149,330 | 3,011 |
| Average equity | $25,843,670 | 2,582 |
| Average total loans | $142,794,670 | 2,688 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3011% | 407 |
| Cost of funding earning assets | 0.6029% | 1,945 |
| Net interest margin | 4.6982% | 473 |
| Noninterest income to average assets | 1.0054% | 1,117 |
| Noninterest expense to average assets | 2.9385% | 3,087 |
| Loan and lease loss provision to assets | 0.0577% | 2,962 |
| Net operating income to assets | 2.3532% | 185 |
| Return on assets (ROA) | 2.3532% | 195 |
| Pretax return on assets | 2.3532% | 282 |
| Return on Equity (ROE) | 18.2795% | 421 |
| Retained earnings to average equity (ytd only) | -0.4330% | 5,632 |
| Net charge-offs to loans | 0.1009% | 2,160 |
| Credit loss provision to net charge-offs | 80.5556% | 1,897 |
| Earnings coverage of net charge-offs (x) | 33.6389% | 980 |
| Efficiency ratio | 54.9311% | 5,933 |
| Assets per employee ($millions) | 3.1553% | 5,587 |
| Cash dividends to net income (ytd only)* | 102.3689% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 3,494 |
| Loan loss allowance to noncurrent loans | 42.7068% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 4.0734% | 567 |
| Noncurrent loans to loans | 3.3332% | 910 |
| Net loans and leases to total assets | 69.5774% | 1,969 |
| Net loans and leases to deposits | 79.9279% | 2,299 |
| Net loans and leases to core deposits | 86.2969% | 2,291 |
| Total domestic deposits to total assets | 87.0502% | 2,776 |
| Equity capital to assets | 12.8408% | 1,388 |
| Core capital (leverage) ratio | 12.7691% | 1,259 |
| Tier 1 risk-based capital ratio | 19.0129% | 1,965 |
| Total risk-based capital ratio | 20.2658% | 1,926 |
| Memoranda: | ||
| Average total assets | $200,919,500 | 3,037 |
| Average earning assets | $185,773,500 | 3,025 |
| Average equity | $25,865,000 | 2,566 |
| Average total loans | $142,677,500 | 2,697 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4465% | 397 |
| Cost of funding earning assets | 0.6771% | 1,981 |
| Net interest margin | 4.7694% | 456 |
| Noninterest income to average assets | 1.1149% | 1,128 |
| Noninterest expense to average assets | 3.0331% | 2,953 |
| Loan and lease loss provision to assets | 0.1421% | 2,533 |
| Net operating income to assets | 2.4034% | 190 |
| Return on assets (ROA) | 2.4034% | 192 |
| Pretax return on assets | 2.4034% | 229 |
| Return on Equity (ROE) | 19.5855% | 305 |
| Retained earnings to average equity (ytd only) | 6.1773% | 1,869 |
| Net charge-offs to loans | 0.0865% | 3,997 |
| Credit loss provision to net charge-offs | 224.0310% | 1,019 |
| Earnings coverage of net charge-offs (x) | 40.1395% | 947 |
| Efficiency ratio | 54.3708% | 6,102 |
| Assets per employee ($millions) | 3.1730% | 5,546 |
| Cash dividends to net income (ytd only)* | 68.4598% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 3,530 |
| Loan loss allowance to noncurrent loans | 42.4167% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 3.9961% | 667 |
| Noncurrent loans to loans | 3.3609% | 958 |
| Net loans and leases to total assets | 70.4283% | 1,950 |
| Net loans and leases to deposits | 81.0501% | 2,317 |
| Net loans and leases to core deposits | 87.7569% | 2,270 |
| Total domestic deposits to total assets | 86.8948% | 2,782 |
| Equity capital to assets | 12.9061% | 1,319 |
| Core capital (leverage) ratio | 12.6724% | 1,272 |
| Tier 1 risk-based capital ratio | 19.6487% | 1,740 |
| Total risk-based capital ratio | 20.9028% | 1,708 |
| Memoranda: | ||
| Average total assets | $203,424,000 | 2,997 |
| Average earning assets | $190,379,000 | 2,951 |
| Average equity | $24,962,400 | 2,631 |
| Average total loans | $149,201,800 | 2,570 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4416% | 407 |
| Cost of funding earning assets | 0.6903% | 2,015 |
| Net interest margin | 4.7513% | 470 |
| Noninterest income to average assets | 1.1655% | 1,078 |
| Noninterest expense to average assets | 2.9687% | 3,082 |
| Loan and lease loss provision to assets | 0.1429% | 2,496 |
| Net operating income to assets | 2.5190% | 169 |
| Return on assets (ROA) | 2.5190% | 175 |
| Pretax return on assets | 2.5190% | 236 |
| Return on Equity (ROE) | 20.7914% | 256 |
| Retained earnings to average equity (ytd only) | 2.7632% | 4,667 |
| Net charge-offs to loans | 0.0981% | 3,577 |
| Credit loss provision to net charge-offs | 197.2973% | 1,230 |
| Earnings coverage of net charge-offs (x) | 36.7468% | 1,066 |
| Efficiency ratio | 52.7237% | 6,204 |
| Assets per employee ($millions) | 3.3233% | 5,241 |
| Cash dividends to net income (ytd only)* | 86.7099% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 4,149 |
| Loan loss allowance to noncurrent loans | 37.2980% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 4.2698% | 718 |
| Noncurrent loans to loans | 3.6108% | 1,039 |
| Net loans and leases to total assets | 71.7271% | 1,644 |
| Net loans and leases to deposits | 81.8965% | 2,153 |
| Net loans and leases to core deposits | 88.0567% | 2,185 |
| Total domestic deposits to total assets | 87.5826% | 2,370 |
| Equity capital to assets | 12.2462% | 1,748 |
| Core capital (leverage) ratio | 12.1624% | 1,583 |
| Tier 1 risk-based capital ratio | 17.7972% | 2,404 |
| Total risk-based capital ratio | 19.0499% | 2,371 |
| Memoranda: | ||
| Average total assets | $204,305,750 | 3,002 |
| Average earning assets | $191,999,250 | 2,950 |
| Average equity | $24,753,250 | 2,670 |
| Average total loans | $150,797,250 | 2,556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 443 |
| Cost of funding earning assets | 0.7062% | 2,026 |
| Net interest margin | 4.6991% | 510 |
| Noninterest income to average assets | 0.9832% | 1,574 |
| Noninterest expense to average assets | 2.9849% | 3,051 |
| Loan and lease loss provision to assets | 0.1426% | 2,548 |
| Net operating income to assets | 2.2672% | 231 |
| Return on assets (ROA) | 2.2672% | 247 |
| Pretax return on assets | 2.2672% | 369 |
| Return on Equity (ROE) | 18.7796% | 402 |
| Retained earnings to average equity (ytd only) | -0.1779% | 5,886 |
| Net charge-offs to loans | 0.1066% | 3,299 |
| Credit loss provision to net charge-offs | 180.2469% | 1,320 |
| Earnings coverage of net charge-offs (x) | 30.4691% | 1,132 |
| Efficiency ratio | 55.3303% | 6,035 |
| Assets per employee ($millions) | 3.0737% | 5,723 |
| Cash dividends to net income (ytd only)* | 100.9475% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 4,525 |
| Loan loss allowance to noncurrent loans | 40.6276% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.8434% | 939 |
| Noncurrent loans to loans | 3.1918% | 1,377 |
| Net loans and leases to total assets | 72.8644% | 1,429 |
| Net loans and leases to deposits | 82.8877% | 1,944 |
| Net loans and leases to core deposits | 89.4624% | 1,958 |
| Total domestic deposits to total assets | 87.9073% | 2,313 |
| Equity capital to assets | 11.9394% | 1,951 |
| Core capital (leverage) ratio | 11.7466% | 1,770 |
| Tier 1 risk-based capital ratio | 17.7427% | 2,419 |
| Total risk-based capital ratio | 18.9950% | 2,385 |
| Memoranda: | ||
| Average total assets | $204,833,000 | 3,005 |
| Average earning assets | $192,291,000 | 2,966 |
| Average equity | $24,729,000 | 2,692 |
| Average total loans | $151,932,000 | 2,542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 421 |
| Cost of funding earning assets | 0.7159% | 2,086 |
| Net interest margin | 4.7057% | 466 |
| Noninterest income to average assets | 0.9776% | 1,527 |
| Noninterest expense to average assets | 2.9696% | 3,085 |
| Loan and lease loss provision to assets | 0.1943% | 1,908 |
| Net operating income to assets | 2.2467% | 224 |
| Return on assets (ROA) | 2.2467% | 251 |
| Pretax return on assets | 2.2467% | 380 |
| Return on Equity (ROE) | 18.5086% | 402 |
| Retained earnings to average equity (ytd only) | 4.2749% | 3,663 |
| Net charge-offs to loans | 0.1751% | 2,345 |
| Credit loss provision to net charge-offs | 149.2537% | 1,376 |
| Earnings coverage of net charge-offs (x) | 18.7463% | 1,249 |
| Efficiency ratio | 54.8851% | 6,165 |
| Assets per employee ($millions) | 3.1557% | 5,723 |
| Cash dividends to net income (ytd only)* | 76.9031% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,915 |
| Loan loss allowance to noncurrent loans | 53.5314% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 3.3210% | 1,319 |
| Noncurrent loans to loans | 2.3459% | 2,224 |
| Net loans and leases to total assets | 73.2168% | 1,181 |
| Net loans and leases to deposits | 83.6106% | 1,639 |
| Net loans and leases to core deposits | 89.9709% | 1,696 |
| Total domestic deposits to total assets | 87.5688% | 2,590 |
| Equity capital to assets | 12.2479% | 1,867 |
| Core capital (leverage) ratio | 12.0029% | 1,563 |
| Tier 1 risk-based capital ratio | 17.7615% | 2,463 |
| Total risk-based capital ratio | 19.0133% | 2,423 |
| Memoranda: | ||
| Average total assets | $205,816,500 | 3,029 |
| Average earning assets | $193,894,500 | 2,969 |
| Average equity | $24,983,000 | 2,708 |
| Average total loans | $153,018,500 | 2,538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 437 |
| Cost of funding earning assets | 0.9403% | 1,705 |
| Net interest margin | 4.7537% | 590 |
| Noninterest income to average assets | 0.9166% | 1,808 |
| Noninterest expense to average assets | 2.9853% | 3,333 |
| Loan and lease loss provision to assets | 0.4891% | 1,240 |
| Net operating income to assets | 1.9087% | 424 |
| Return on assets (ROA) | 1.9087% | 470 |
| Pretax return on assets | 1.9087% | 743 |
| Return on Equity (ROE) | 16.5048% | 596 |
| Retained earnings to average equity (ytd only) | 3.5643% | 3,703 |
| Net charge-offs to loans | 0.8336% | 1,390 |
| Credit loss provision to net charge-offs | 78.0675% | 3,887 |
| Earnings coverage of net charge-offs (x) | 3.8275% | 3,583 |
| Efficiency ratio | 55.1807% | 6,149 |
| Assets per employee ($millions) | 3.1290% | 5,789 |
| Cash dividends to net income (ytd only)* | 78.4042% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 5,027 |
| Loan loss allowance to noncurrent loans | 63.0077% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.0565% | 1,546 |
| Noncurrent loans to loans | 1.9351% | 2,765 |
| Net loans and leases to total assets | 73.6359% | 1,242 |
| Net loans and leases to deposits | 83.8740% | 1,767 |
| Net loans and leases to core deposits | 89.0891% | 1,953 |
| Total domestic deposits to total assets | 87.7934% | 2,352 |
| Equity capital to assets | 12.0298% | 2,030 |
| Core capital (leverage) ratio | 11.6415% | 1,774 |
| Tier 1 risk-based capital ratio | 17.0218% | 2,639 |
| Total risk-based capital ratio | 18.2731% | 2,606 |
| Memoranda: | ||
| Average total assets | $208,149,800 | 2,948 |
| Average earning assets | $195,572,600 | 2,890 |
| Average equity | $24,071,800 | 2,740 |
| Average total loans | $156,434,800 | 2,478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6827% | 474 |
| Cost of funding earning assets | 0.9800% | 1,678 |
| Net interest margin | 4.7026% | 671 |
| Noninterest income to average assets | 0.9736% | 1,588 |
| Noninterest expense to average assets | 2.9126% | 3,544 |
| Loan and lease loss provision to assets | 0.4539% | 1,372 |
| Net operating income to assets | 2.0214% | 378 |
| Return on assets (ROA) | 2.0214% | 416 |
| Pretax return on assets | 2.0214% | 672 |
| Return on Equity (ROE) | 17.6552% | 537 |
| Retained earnings to average equity (ytd only) | 0.2624% | 6,000 |
| Net charge-offs to loans | 0.9389% | 1,151 |
| Credit loss provision to net charge-offs | 64.1953% | 4,043 |
| Earnings coverage of net charge-offs (x) | 3.5009% | 3,617 |
| Efficiency ratio | 53.7731% | 6,276 |
| Assets per employee ($millions) | 3.1103% | 5,825 |
| Cash dividends to net income (ytd only)* | 98.5137% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,586 |
| Loan loss allowance to noncurrent loans | 53.3193% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 3.1776% | 1,619 |
| Noncurrent loans to loans | 2.1253% | 2,700 |
| Net loans and leases to total assets | 75.0978% | 1,103 |
| Net loans and leases to deposits | 85.2554% | 1,694 |
| Net loans and leases to core deposits | 90.5382% | 1,920 |
| Total domestic deposits to total assets | 88.0857% | 1,998 |
| Equity capital to assets | 11.7467% | 2,488 |
| Core capital (leverage) ratio | 11.1615% | 2,246 |
| Tier 1 risk-based capital ratio | 16.5032% | 2,999 |
| Total risk-based capital ratio | 17.7533% | 2,964 |
| Memoranda: | ||
| Average total assets | $208,559,250 | 2,973 |
| Average earning assets | $195,772,250 | 2,915 |
| Average equity | $23,879,000 | 2,786 |
| Average total loans | $157,057,500 | 2,497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 532 |
| Cost of funding earning assets | 1.0088% | 1,717 |
| Net interest margin | 4.6461% | 749 |
| Noninterest income to average assets | 0.9883% | 1,497 |
| Noninterest expense to average assets | 2.8781% | 3,712 |
| Loan and lease loss provision to assets | 0.4970% | 1,279 |
| Net operating income to assets | 1.9804% | 403 |
| Return on assets (ROA) | 1.9804% | 466 |
| Pretax return on assets | 1.9804% | 716 |
| Return on Equity (ROE) | 17.4449% | 583 |
| Retained earnings to average equity (ytd only) | -1.8151% | 6,334 |
| Net charge-offs to loans | 1.1179% | 971 |
| Credit loss provision to net charge-offs | 59.2045% | 3,820 |
| Earnings coverage of net charge-offs (x) | 2.9511% | 3,565 |
| Efficiency ratio | 53.4556% | 6,374 |
| Assets per employee ($millions) | 3.3446% | 5,345 |
| Cash dividends to net income (ytd only)* | 110.4046% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 5,577 |
| Loan loss allowance to noncurrent loans | 50.1111% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.4108% | 1,573 |
| Noncurrent loans to loans | 2.2928% | 2,617 |
| Net loans and leases to total assets | 73.6600% | 1,301 |
| Net loans and leases to deposits | 83.1511% | 1,962 |
| Net loans and leases to core deposits | 88.2466% | 2,181 |
| Total domestic deposits to total assets | 88.5857% | 1,766 |
| Equity capital to assets | 11.2719% | 2,828 |
| Core capital (leverage) ratio | 10.9328% | 2,365 |
| Tier 1 risk-based capital ratio | 16.1125% | 3,117 |
| Total risk-based capital ratio | 17.3629% | 3,083 |
| Memoranda: | ||
| Average total assets | $209,651,330 | 2,969 |
| Average earning assets | $197,067,670 | 2,910 |
| Average equity | $23,800,670 | 2,788 |
| Average total loans | $157,433,330 | 2,500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6805% | 537 |
| Cost of funding earning assets | 1.0411% | 1,740 |
| Net interest margin | 4.6393% | 763 |
| Noninterest income to average assets | 0.8990% | 1,752 |
| Noninterest expense to average assets | 2.8691% | 3,751 |
| Loan and lease loss provision to assets | 0.5432% | 1,088 |
| Net operating income to assets | 1.8592% | 528 |
| Return on assets (ROA) | 1.8592% | 601 |
| Pretax return on assets | 1.8592% | 951 |
| Return on Equity (ROE) | 16.3187% | 762 |
| Retained earnings to average equity (ytd only) | -0.8730% | 6,135 |
| Net charge-offs to loans | 1.8091% | 526 |
| Credit loss provision to net charge-offs | 39.8317% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.7616% | 3,461 |
| Efficiency ratio | 54.1364% | 6,333 |
| Assets per employee ($millions) | 3.3357% | 5,482 |
| Cash dividends to net income (ytd only)* | 105.3498% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 5,873 |
| Loan loss allowance to noncurrent loans | 43.3175% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 3.7693% | 1,487 |
| Noncurrent loans to loans | 2.5597% | 2,545 |
| Net loans and leases to total assets | 73.5917% | 1,127 |
| Net loans and leases to deposits | 83.1876% | 1,772 |
| Net loans and leases to core deposits | 87.6343% | 2,096 |
| Total domestic deposits to total assets | 88.4647% | 2,033 |
| Equity capital to assets | 11.3416% | 2,586 |
| Core capital (leverage) ratio | 11.0855% | 2,199 |
| Tier 1 risk-based capital ratio | 16.2216% | 3,058 |
| Total risk-based capital ratio | 17.4411% | 3,037 |
| Memoranda: | ||
| Average total assets | $209,122,000 | 2,999 |
| Average earning assets | $197,097,000 | 2,933 |
| Average equity | $23,825,500 | 2,783 |
| Average total loans | $157,643,500 | 2,518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8567% | 568 |
| Cost of funding earning assets | 1.2425% | 1,773 |
| Net interest margin | 4.6142% | 892 |
| Noninterest income to average assets | 0.8860% | 1,722 |
| Noninterest expense to average assets | 2.8729% | 4,071 |
| Loan and lease loss provision to assets | 0.3998% | 2,594 |
| Net operating income to assets | 1.9731% | 326 |
| Return on assets (ROA) | 1.9731% | 346 |
| Pretax return on assets | 1.9731% | 560 |
| Return on Equity (ROE) | 17.9350% | 386 |
| Retained earnings to average equity (ytd only) | 3.3473% | 3,839 |
| Net charge-offs to loans | 0.4445% | 3,211 |
| Credit loss provision to net charge-offs | 117.2269% | 2,745 |
| Earnings coverage of net charge-offs (x) | 6.9580% | 2,419 |
| Efficiency ratio | 54.4842% | 6,469 |
| Assets per employee ($millions) | 3.3564% | 5,356 |
| Cash dividends to net income (ytd only)* | 81.3362% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,629 |
| Loan loss allowance to noncurrent loans | 67.0074% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 3.1029% | 1,927 |
| Noncurrent loans to loans | 2.0314% | 3,166 |
| Net loans and leases to total assets | 75.3203% | 1,049 |
| Net loans and leases to deposits | 85.2371% | 1,773 |
| Net loans and leases to core deposits | 89.3029% | 2,220 |
| Total domestic deposits to total assets | 88.3656% | 1,930 |
| Equity capital to assets | 11.4451% | 2,551 |
| Core capital (leverage) ratio | 11.0477% | 2,235 |
| Tier 1 risk-based capital ratio | 16.0643% | 3,013 |
| Total risk-based capital ratio | 17.3175% | 2,967 |
| Memoranda: | ||
| Average total assets | $209,367,400 | 2,950 |
| Average earning assets | $197,824,800 | 2,882 |
| Average equity | $23,033,200 | 2,781 |
| Average total loans | $160,638,800 | 2,485 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8604% | 607 |
| Cost of funding earning assets | 1.2846% | 1,787 |
| Net interest margin | 4.5758% | 995 |
| Noninterest income to average assets | 0.8972% | 1,662 |
| Noninterest expense to average assets | 2.7304% | 4,610 |
| Loan and lease loss provision to assets | 0.2397% | 3,610 |
| Net operating income to assets | 2.2509% | 235 |
| Return on assets (ROA) | 2.2509% | 254 |
| Pretax return on assets | 2.2509% | 395 |
| Return on Equity (ROE) | 20.6675% | 271 |
| Retained earnings to average equity (ytd only) | 1.0509% | 5,596 |
| Net charge-offs to loans | 0.2740% | 3,722 |
| Credit loss provision to net charge-offs | 113.8973% | 2,873 |
| Earnings coverage of net charge-offs (x) | 11.8339% | 1,779 |
| Efficiency ratio | 52.0034% | 6,677 |
| Assets per employee ($millions) | 3.4005% | 5,246 |
| Cash dividends to net income (ytd only)* | 94.9153% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,953 |
| Loan loss allowance to noncurrent loans | 46.9503% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.1020% | 2,063 |
| Noncurrent loans to loans | 2.7968% | 2,490 |
| Net loans and leases to total assets | 74.3593% | 1,260 |
| Net loans and leases to deposits | 83.7119% | 2,043 |
| Net loans and leases to core deposits | 87.6386% | 2,540 |
| Total domestic deposits to total assets | 88.8277% | 1,535 |
| Equity capital to assets | 10.9798% | 3,170 |
| Core capital (leverage) ratio | 10.6700% | 2,689 |
| Tier 1 risk-based capital ratio | 15.7518% | 3,251 |
| Total risk-based capital ratio | 17.0043% | 3,210 |
| Memoranda: | ||
| Average total assets | $209,684,750 | 2,964 |
| Average earning assets | $198,138,250 | 2,885 |
| Average equity | $22,837,250 | 2,799 |
| Average total loans | $161,072,750 | 2,494 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9715% | 505 |
| Cost of funding earning assets | 1.3236% | 1,802 |
| Net interest margin | 4.6478% | 820 |
| Noninterest income to average assets | 0.8896% | 1,676 |
| Noninterest expense to average assets | 2.7090% | 4,787 |
| Loan and lease loss provision to assets | 0.3230% | 2,852 |
| Net operating income to assets | 2.2465% | 244 |
| Return on assets (ROA) | 2.2465% | 259 |
| Pretax return on assets | 2.2465% | 383 |
| Return on Equity (ROE) | 20.6833% | 277 |
| Retained earnings to average equity (ytd only) | -0.8446% | 6,026 |
| Net charge-offs to loans | 0.3968% | 2,972 |
| Credit loss provision to net charge-offs | 105.2960% | 2,930 |
| Earnings coverage of net charge-offs (x) | 8.3769% | 2,072 |
| Efficiency ratio | 51.0319% | 6,870 |
| Assets per employee ($millions) | 3.3262% | 5,373 |
| Cash dividends to net income (ytd only)* | 104.0834% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 5,131 |
| Loan loss allowance to noncurrent loans | 42.5792% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 3.8969% | 1,660 |
| Noncurrent loans to loans | 3.0165% | 2,404 |
| Net loans and leases to total assets | 75.4454% | 1,163 |
| Net loans and leases to deposits | 84.8281% | 1,972 |
| Net loans and leases to core deposits | 88.9503% | 2,506 |
| Total domestic deposits to total assets | 88.9391% | 1,573 |
| Equity capital to assets | 10.8776% | 3,094 |
| Core capital (leverage) ratio | 10.5128% | 2,697 |
| Tier 1 risk-based capital ratio | 15.2208% | 3,386 |
| Total risk-based capital ratio | 16.4725% | 3,351 |
| Memoranda: | ||
| Average total assets | $209,302,000 | 2,984 |
| Average earning assets | $197,640,330 | 2,904 |
| Average equity | $22,733,330 | 2,784 |
| Average total loans | $161,810,330 | 2,515 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9736% | 497 |
| Cost of funding earning assets | 1.3529% | 1,871 |
| Net interest margin | 4.6207% | 829 |
| Noninterest income to average assets | 0.8433% | 1,876 |
| Noninterest expense to average assets | 2.7632% | 4,591 |
| Loan and lease loss provision to assets | 0.3002% | 2,757 |
| Net operating income to assets | 2.1494% | 281 |
| Return on assets (ROA) | 2.1494% | 290 |
| Pretax return on assets | 2.1494% | 433 |
| Return on Equity (ROE) | 19.8036% | 339 |
| Retained earnings to average equity (ytd only) | 2.4138% | 4,701 |
| Net charge-offs to loans | 0.3738% | 2,571 |
| Credit loss provision to net charge-offs | 103.2895% | 2,570 |
| Earnings coverage of net charge-offs (x) | 8.4276% | 1,826 |
| Efficiency ratio | 52.7146% | 6,809 |
| Assets per employee ($millions) | 3.2918% | 5,501 |
| Cash dividends to net income (ytd only)* | 87.8114% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 5,251 |
| Loan loss allowance to noncurrent loans | 57.0751% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 3.1110% | 2,218 |
| Noncurrent loans to loans | 2.2379% | 3,274 |
| Net loans and leases to total assets | 75.0261% | 1,172 |
| Net loans and leases to deposits | 84.3737% | 1,972 |
| Net loans and leases to core deposits | 89.0438% | 2,478 |
| Total domestic deposits to total assets | 88.9212% | 1,817 |
| Equity capital to assets | 10.8429% | 2,836 |
| Core capital (leverage) ratio | 10.7797% | 2,375 |
| Tier 1 risk-based capital ratio | 15.5425% | 3,140 |
| Total risk-based capital ratio | 16.7946% | 3,090 |
| Memoranda: | ||
| Average total assets | $209,178,500 | 2,995 |
| Average earning assets | $197,804,000 | 2,915 |
| Average equity | $22,703,000 | 2,780 |
| Average total loans | $162,639,500 | 2,528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3746% | 401 |
| Cost of funding earning assets | 1.5190% | 2,536 |
| Net interest margin | 4.8556% | 595 |
| Noninterest income to average assets | 1.0507% | 1,354 |
| Noninterest expense to average assets | 3.6246% | 1,867 |
| Loan and lease loss provision to assets | 0.2389% | 4,895 |
| Net operating income to assets | 1.7916% | 423 |
| Return on assets (ROA) | 1.7916% | 458 |
| Pretax return on assets | 1.7916% | 774 |
| Return on Equity (ROE) | 16.5632% | 519 |
| Retained earnings to average equity (ytd only) | 0.4053% | 5,375 |
| Net charge-offs to loans | 0.2527% | 4,774 |
| Credit loss provision to net charge-offs | 117.8147% | 3,616 |
| Earnings coverage of net charge-offs (x) | 10.0119% | 1,765 |
| Efficiency ratio | 63.8300% | 5,381 |
| Assets per employee ($millions) | 3.1952% | 5,682 |
| Cash dividends to net income (ytd only)* | 97.5531% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,342 |
| Loan loss allowance to noncurrent loans | 55.1650% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.7715% | 2,526 |
| Noncurrent loans to loans | 2.2388% | 3,285 |
| Net loans and leases to total assets | 78.5492% | 869 |
| Net loans and leases to deposits | 88.3750% | 1,741 |
| Net loans and leases to core deposits | 93.3368% | 2,339 |
| Total domestic deposits to total assets | 88.8817% | 1,726 |
| Equity capital to assets | 10.8640% | 2,805 |
| Core capital (leverage) ratio | 10.7234% | 2,364 |
| Tier 1 risk-based capital ratio | 15.0920% | 3,193 |
| Total risk-based capital ratio | 16.3435% | 3,140 |
| Memoranda: | ||
| Average total assets | $207,581,800 | 3,006 |
| Average earning assets | $196,843,400 | 2,918 |
| Average equity | $22,453,400 | 2,824 |
| Average total loans | $166,575,600 | 2,521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3892% | 424 |
| Cost of funding earning assets | 1.5492% | 2,684 |
| Net interest margin | 4.8400% | 615 |
| Noninterest income to average assets | 1.0574% | 1,285 |
| Noninterest expense to average assets | 3.8607% | 1,261 |
| Loan and lease loss provision to assets | 0.1696% | 5,343 |
| Net operating income to assets | 1.6169% | 725 |
| Return on assets (ROA) | 1.6169% | 791 |
| Pretax return on assets | 1.6169% | 1,303 |
| Return on Equity (ROE) | 14.9644% | 865 |
| Retained earnings to average equity (ytd only) | -6.6112% | 6,685 |
| Net charge-offs to loans | 0.1757% | 4,910 |
| Credit loss provision to net charge-offs | 120.0000% | 3,438 |
| Earnings coverage of net charge-offs (x) | 12.6407% | 1,667 |
| Efficiency ratio | 68.0924% | 4,451 |
| Assets per employee ($millions) | 3.2696% | 5,542 |
| Cash dividends to net income (ytd only)* | 144.1795% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 5,466 |
| Loan loss allowance to noncurrent loans | 53.6592% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.4827% | 2,889 |
| Noncurrent loans to loans | 2.2458% | 3,395 |
| Net loans and leases to total assets | 79.9591% | 756 |
| Net loans and leases to deposits | 89.6841% | 1,763 |
| Net loans and leases to core deposits | 94.5097% | 2,457 |
| Total domestic deposits to total assets | 89.1564% | 1,310 |
| Equity capital to assets | 10.5746% | 3,439 |
| Core capital (leverage) ratio | 10.0857% | 3,166 |
| Tier 1 risk-based capital ratio | 14.2798% | 3,646 |
| Total risk-based capital ratio | 15.5312% | 3,600 |
| Memoranda: | ||
| Average total assets | $207,556,000 | 3,047 |
| Average earning assets | $196,828,000 | 2,965 |
| Average equity | $22,426,000 | 2,872 |
| Average total loans | $166,925,750 | 2,559 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3399% | 473 |
| Cost of funding earning assets | 1.5647% | 2,871 |
| Net interest margin | 4.7752% | 684 |
| Noninterest income to average assets | 1.0419% | 1,244 |
| Noninterest expense to average assets | 2.9883% | 3,751 |
| Loan and lease loss provision to assets | 0.1461% | 5,435 |
| Net operating income to assets | 2.4366% | 150 |
| Return on assets (ROA) | 2.4366% | 156 |
| Pretax return on assets | 2.4366% | 258 |
| Return on Equity (ROE) | 22.3933% | 195 |
| Retained earnings to average equity (ytd only) | -2.4646% | 6,220 |
| Net charge-offs to loans | 0.1389% | 4,836 |
| Credit loss provision to net charge-offs | 131.0345% | 3,076 |
| Earnings coverage of net charge-offs (x) | 23.1638% | 1,111 |
| Efficiency ratio | 53.3644% | 6,950 |
| Assets per employee ($millions) | 3.2075% | 5,672 |
| Cash dividends to net income (ytd only)* | 111.0059% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,431 |
| Loan loss allowance to noncurrent loans | 64.6318% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.3115% | 3,121 |
| Noncurrent loans to loans | 1.8648% | 3,911 |
| Net loans and leases to total assets | 79.8996% | 813 |
| Net loans and leases to deposits | 90.1426% | 1,829 |
| Net loans and leases to core deposits | 94.7949% | 2,606 |
| Total domestic deposits to total assets | 88.6370% | 1,652 |
| Equity capital to assets | 10.9329% | 2,936 |
| Core capital (leverage) ratio | 10.4837% | 2,642 |
| Tier 1 risk-based capital ratio | 14.9364% | 3,184 |
| Total risk-based capital ratio | 16.1879% | 3,156 |
| Memoranda: | ||
| Average total assets | $208,080,000 | 3,065 |
| Average earning assets | $197,353,330 | 2,985 |
| Average equity | $22,640,670 | 2,841 |
| Average total loans | $166,997,000 | 2,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3049% | 524 |
| Cost of funding earning assets | 1.5647% | 3,173 |
| Net interest margin | 4.7402% | 717 |
| Noninterest income to average assets | 1.0025% | 1,299 |
| Noninterest expense to average assets | 2.8585% | 4,234 |
| Loan and lease loss provision to assets | 0.1890% | 4,607 |
| Net operating income to assets | 2.4556% | 160 |
| Return on assets (ROA) | 2.4556% | 175 |
| Pretax return on assets | 2.4556% | 268 |
| Return on Equity (ROE) | 22.6214% | 248 |
| Retained earnings to average equity (ytd only) | 1.0554% | 5,391 |
| Net charge-offs to loans | 0.1385% | 4,110 |
| Credit loss provision to net charge-offs | 170.6897% | 2,129 |
| Earnings coverage of net charge-offs (x) | 23.8793% | 1,043 |
| Efficiency ratio | 51.6655% | 7,181 |
| Assets per employee ($millions) | 3.2330% | 5,689 |
| Cash dividends to net income (ytd only)* | 95.3344% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 5,466 |
| Loan loss allowance to noncurrent loans | 56.3800% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.4749% | 2,931 |
| Noncurrent loans to loans | 2.1414% | 3,598 |
| Net loans and leases to total assets | 78.1102% | 1,131 |
| Net loans and leases to deposits | 88.0112% | 2,226 |
| Net loans and leases to core deposits | 93.2738% | 2,939 |
| Total domestic deposits to total assets | 88.7503% | 1,643 |
| Equity capital to assets | 10.8309% | 2,925 |
| Core capital (leverage) ratio | 10.7354% | 2,429 |
| Tier 1 risk-based capital ratio | 15.0479% | 3,101 |
| Total risk-based capital ratio | 16.2995% | 3,052 |
| Memoranda: | ||
| Average total assets | $209,480,000 | 3,106 |
| Average earning assets | $198,892,500 | 3,014 |
| Average equity | $22,739,500 | 2,844 |
| Average total loans | $167,486,000 | 2,653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0404% | 265 |
| Cost of funding earning assets | 1.8178% | 3,894 |
| Net interest margin | 5.2226% | 278 |
| Noninterest income to average assets | 1.0928% | 1,287 |
| Noninterest expense to average assets | 3.0350% | 4,012 |
| Loan and lease loss provision to assets | 0.3820% | 4,497 |
| Net operating income to assets | 2.5969% | 81 |
| Return on assets (ROA) | 2.5969% | 86 |
| Pretax return on assets | 2.5969% | 141 |
| Return on Equity (ROE) | 24.6358% | 95 |
| Retained earnings to average equity (ytd only) | 6.9145% | 993 |
| Net charge-offs to loans | 0.2692% | 4,936 |
| Credit loss provision to net charge-offs | 172.0879% | 2,469 |
| Earnings coverage of net charge-offs (x) | 13.4198% | 1,430 |
| Efficiency ratio | 50.2150% | 7,525 |
| Assets per employee ($millions) | 3.1638% | 5,812 |
| Cash dividends to net income (ytd only)* | 71.9331% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,564 |
| Loan loss allowance to noncurrent loans | 91.2256% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 3,861 |
| Noncurrent loans to loans | 1.2759% | 4,795 |
| Net loans and leases to total assets | 79.9063% | 1,009 |
| Net loans and leases to deposits | 90.0886% | 2,201 |
| Net loans and leases to core deposits | 116.8135% | 2,234 |
| Total domestic deposits to total assets | 88.6975% | 1,628 |
| Equity capital to assets | 10.8796% | 2,792 |
| Core capital (leverage) ratio | 10.6866% | 2,445 |
| Tier 1 risk-based capital ratio | 14.9042% | 3,001 |
| Total risk-based capital ratio | 16.1551% | 2,943 |
| Memoranda: | ||
| Average total assets | $204,975,600 | 3,119 |
| Average earning assets | $193,142,000 | 3,061 |
| Average equity | $21,606,800 | 3,001 |
| Average total loans | $169,039,800 | 2,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1460% | 246 |
| Cost of funding earning assets | 1.8677% | 4,057 |
| Net interest margin | 5.2784% | 266 |
| Noninterest income to average assets | 1.1064% | 1,290 |
| Noninterest expense to average assets | 2.9128% | 4,403 |
| Loan and lease loss provision to assets | 0.4705% | 3,552 |
| Net operating income to assets | 2.6840% | 81 |
| Return on assets (ROA) | 2.6840% | 91 |
| Pretax return on assets | 2.6840% | 149 |
| Return on Equity (ROE) | 25.6733% | 99 |
| Retained earnings to average equity (ytd only) | 1.7378% | 4,341 |
| Net charge-offs to loans | 0.3320% | 3,976 |
| Credit loss provision to net charge-offs | 171.0214% | 2,722 |
| Earnings coverage of net charge-offs (x) | 11.4655% | 1,851 |
| Efficiency ratio | 47.7488% | 7,674 |
| Assets per employee ($millions) | 3.0873% | 5,939 |
| Cash dividends to net income (ytd only)* | 93.2312% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,396 |
| Loan loss allowance to noncurrent loans | 181.6135% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2392% | 4,587 |
| Noncurrent loans to loans | 0.6352% | 6,026 |
| Net loans and leases to total assets | 81.4139% | 912 |
| Net loans and leases to deposits | 91.6392% | 2,299 |
| Net loans and leases to core deposits | 118.6829% | 2,358 |
| Total domestic deposits to total assets | 88.8418% | 1,271 |
| Equity capital to assets | 10.6159% | 3,385 |
| Core capital (leverage) ratio | 10.3058% | 2,964 |
| Tier 1 risk-based capital ratio | 14.1441% | 3,472 |
| Total risk-based capital ratio | 15.3950% | 3,415 |
| Memoranda: | ||
| Average total assets | $204,016,500 | 3,158 |
| Average earning assets | $191,747,000 | 3,092 |
| Average equity | $21,329,000 | 3,056 |
| Average total loans | $169,095,000 | 2,663 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1857% | 241 |
| Cost of funding earning assets | 1.8932% | 4,300 |
| Net interest margin | 5.2926% | 247 |
| Noninterest income to average assets | 1.0867% | 1,354 |
| Noninterest expense to average assets | 2.9691% | 4,215 |
| Loan and lease loss provision to assets | 0.3430% | 3,877 |
| Net operating income to assets | 2.7467% | 78 |
| Return on assets (ROA) | 2.7467% | 87 |
| Pretax return on assets | 2.7467% | 139 |
| Return on Equity (ROE) | 26.4081% | 114 |
| Retained earnings to average equity (ytd only) | -1.2342% | 5,548 |
| Net charge-offs to loans | 0.2572% | 3,904 |
| Credit loss provision to net charge-offs | 160.5505% | 2,859 |
| Earnings coverage of net charge-offs (x) | 14.4633% | 1,651 |
| Efficiency ratio | 48.7466% | 7,728 |
| Assets per employee ($millions) | 3.0307% | 6,054 |
| Cash dividends to net income (ytd only)* | 104.6736% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 5,930 |
| Loan loss allowance to noncurrent loans | 75.0955% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7998% | 3,477 |
| Noncurrent loans to loans | 1.3942% | 4,422 |
| Net loans and leases to total assets | 83.6297% | 689 |
| Net loans and leases to deposits | 94.1066% | 2,071 |
| Net loans and leases to core deposits | 121.8848% | 2,218 |
| Total domestic deposits to total assets | 88.8670% | 1,338 |
| Equity capital to assets | 10.5251% | 3,373 |
| Core capital (leverage) ratio | 10.0582% | 3,233 |
| Tier 1 risk-based capital ratio | 13.8764% | 3,591 |
| Total risk-based capital ratio | 15.0719% | 3,554 |
| Memoranda: | ||
| Average total assets | $204,102,000 | 3,176 |
| Average earning assets | $191,740,670 | 3,123 |
| Average equity | $21,228,330 | 3,070 |
| Average total loans | $169,518,330 | 2,688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2286% | 244 |
| Cost of funding earning assets | 1.9167% | 4,547 |
| Net interest margin | 5.3118% | 228 |
| Noninterest income to average assets | 1.0847% | 1,271 |
| Noninterest expense to average assets | 2.9184% | 4,092 |
| Loan and lease loss provision to assets | 0.3706% | 3,104 |
| Net operating income to assets | 2.7806% | 85 |
| Return on assets (ROA) | 2.7806% | 106 |
| Pretax return on assets | 2.7806% | 157 |
| Return on Equity (ROE) | 26.8906% | 144 |
| Retained earnings to average equity (ytd only) | 3.2276% | 4,076 |
| Net charge-offs to loans | 0.1532% | 3,732 |
| Credit loss provision to net charge-offs | 293.8462% | 1,655 |
| Earnings coverage of net charge-offs (x) | 24.9846% | 1,223 |
| Efficiency ratio | 47.8261% | 7,734 |
| Assets per employee ($millions) | 3.1723% | 5,671 |
| Cash dividends to net income (ytd only)* | 87.9972% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 5,859 |
| Loan loss allowance to noncurrent loans | 182.8838% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 4,733 |
| Noncurrent loans to loans | 0.5698% | 5,990 |
| Net loans and leases to total assets | 81.1973% | 1,159 |
| Net loans and leases to deposits | 91.0811% | 2,759 |
| Net loans and leases to core deposits | 115.9562% | 2,809 |
| Total domestic deposits to total assets | 89.1483% | 1,173 |
| Equity capital to assets | 10.3652% | 3,597 |
| Core capital (leverage) ratio | 10.1066% | 3,284 |
| Tier 1 risk-based capital ratio | 13.7143% | 3,734 |
| Total risk-based capital ratio | 14.8744% | 3,707 |
| Memoranda: | ||
| Average total assets | $206,139,500 | 3,166 |
| Average earning assets | $193,455,000 | 3,106 |
| Average equity | $21,316,000 | 3,072 |
| Average total loans | $169,751,500 | 2,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6457% | 311 |
| Cost of funding earning assets | 2.5492% | 3,960 |
| Net interest margin | 5.0965% | 410 |
| Noninterest income to average assets | 1.0949% | 1,314 |
| Noninterest expense to average assets | 2.6872% | 5,322 |
| Loan and lease loss provision to assets | 0.2521% | 4,399 |
| Net operating income to assets | 2.9206% | 71 |
| Return on assets (ROA) | 2.9206% | 69 |
| Pretax return on assets | 2.9206% | 103 |
| Return on Equity (ROE) | 31.9040% | 45 |
| Retained earnings to average equity (ytd only) | 5.8928% | 1,576 |
| Net charge-offs to loans | 0.2299% | 3,943 |
| Credit loss provision to net charge-offs | 135.6265% | 3,933 |
| Earnings coverage of net charge-offs (x) | 17.0663% | 1,798 |
| Efficiency ratio | 45.6154% | 7,947 |
| Assets per employee ($millions) | 2.9867% | 6,087 |
| Cash dividends to net income (ytd only)* | 81.5296% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,337 |
| Loan loss allowance to noncurrent loans | 209.0677% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 4,066 |
| Noncurrent loans to loans | 0.4597% | 5,969 |
| Net loans and leases to total assets | 81.8493% | 1,259 |
| Net loans and leases to deposits | 91.8994% | 3,153 |
| Net loans and leases to core deposits | 117.2453% | 2,979 |
| Total domestic deposits to total assets | 89.0640% | 1,023 |
| Equity capital to assets | 10.3159% | 3,697 |
| Core capital (leverage) ratio | 9.4614% | 4,066 |
| Tier 1 risk-based capital ratio | 13.5042% | 3,818 |
| Total risk-based capital ratio | 14.5743% | 3,817 |
| Memoranda: | ||
| Average total assets | $218,924,600 | 2,887 |
| Average earning assets | $204,690,800 | 2,845 |
| Average equity | $20,041,400 | 3,223 |
| Average total loans | $177,057,600 | 2,535 |