Home > Ozona Bank > Performance and Condition Ratios
Ozona Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 3,063 |
| Cost of funding earning assets | 0.6381% | 4,018 |
| Net interest margin | 3.8816% | 1,414 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 3.1434% | 890 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9231% | 2,477 |
| Return on assets (ROA) | 0.9275% | 2,434 |
| Pretax return on assets | 0.9275% | 2,885 |
| Return on Equity (ROE) | 16.9100% | 964 |
| Retained earnings to average equity (ytd only) | 11.5272% | 696 |
| Net charge-offs to loans | 0.0385% | 1,540 |
| Credit loss provision to net charge-offs | 441.1765% | 730 |
| Earnings coverage of net charge-offs (x) | 66.4314% | 1,128 |
| Efficiency ratio | 76.0718% | 1,237 |
| Assets per employee ($millions) | 5.4647% | 3,280 |
| Cash dividends to net income (ytd only)* | 31.8125% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 827 |
| Loan loss allowance to noncurrent loans | 248.2509% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 1,990 |
| Noncurrent loans to loans | 0.6470% | 1,211 |
| Net loans and leases to total assets | 37.2100% | 4,120 |
| Net loans and leases to deposits | 44.0663% | 4,103 |
| Net loans and leases to core deposits | 46.2477% | 4,153 |
| Total domestic deposits to total assets | 84.4400% | 2,492 |
| Equity capital to assets | 6.7115% | 4,045 |
| Core capital (leverage) ratio | 11.5642% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2820% | 407 |
| Memoranda: | ||
| Average total assets | $342,655,000 | 2,223 |
| Average earning assets | $322,208,600 | 2,198 |
| Average equity | $18,799,000 | 2,951 |
| Average total loans | $132,465,800 | 2,839 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 37,015.0000% | 22 |
| Cost of funding earning assets | 25.0000% | 31 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0098% | 4,548 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.0950% | 2,056 |
| Pretax return on assets | 1.0950% | 2,579 |
| Return on Equity (ROE) | 21.1200% | 627 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0217% | 1,669 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 7.9017% | 4,581 |
| Assets per employee ($millions) | 0.1022% | 4,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 45.0000% | 4,510 |
| Equity capital to assets | 40,856.0000% | 10 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,700,000 | 4,614 |
| Average earning assets | $7,327 | 4,596 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 11,124.0000% | 31 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 36,641.0000% | 22 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.0591% | 2,233 |
| Pretax return on assets | 1.0591% | 2,751 |
| Return on Equity (ROE) | 20.3900% | 668 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0134% | 1,690 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 7.8457% | 4,604 |
| Assets per employee ($millions) | 0.1068% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0848% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 64.0000% | 4,452 |
| Equity capital to assets | 35,133.0000% | 15 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,528,000 | 4,642 |
| Average earning assets | $6,820 | 4,619 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 3,216 |
| Cost of funding earning assets | 0.2335% | 4,323 |
| Net interest margin | 3.8862% | 1,503 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.0182% | 1,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1280% | 2,134 |
| Return on assets (ROA) | 1.1466% | 2,044 |
| Pretax return on assets | 1.1466% | 2,584 |
| Return on Equity (ROE) | 22.7900% | 521 |
| Retained earnings to average equity (ytd only) | 13.0920% | 1,076 |
| Net charge-offs to loans | 0.0238% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 121.3750% | 702 |
| Efficiency ratio | 72.7935% | 1,462 |
| Assets per employee ($millions) | 5.6586% | 3,061 |
| Cash dividends to net income (ytd only)* | 42.5532% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,738 |
| Loan loss allowance to noncurrent loans | 72.1091% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7541% | 640 |
| Noncurrent loans to loans | 1.8991% | 313 |
| Net loans and leases to total assets | 39.1700% | 4,072 |
| Net loans and leases to deposits | 41.6507% | 4,174 |
| Net loans and leases to core deposits | 42.3732% | 4,216 |
| Total domestic deposits to total assets | 94.0300% | 164 |
| Equity capital to assets | 5.4926% | 4,342 |
| Core capital (leverage) ratio | 10.9943% | 1,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1822% | 558 |
| Memoranda: | ||
| Average total assets | $344,315,000 | 2,255 |
| Average earning assets | $325,463,500 | 2,233 |
| Average equity | $17,323,500 | 3,105 |
| Average total loans | $134,448,000 | 2,858 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 3,216 |
| Cost of funding earning assets | 0.0690% | 4,510 |
| Net interest margin | 3.3776% | 2,325 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.6823% | 1,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0226% | 2,487 |
| Return on assets (ROA) | 0.9105% | 2,858 |
| Pretax return on assets | 0.9105% | 3,325 |
| Return on Equity (ROE) | 14.9400% | 1,266 |
| Retained earnings to average equity (ytd only) | 14.9429% | 296 |
| Net charge-offs to loans | -0.0035% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.3318% | 1,406 |
| Assets per employee ($millions) | 5.7243% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,405 |
| Loan loss allowance to noncurrent loans | 191.8534% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 1,711 |
| Noncurrent loans to loans | 0.7449% | 1,010 |
| Net loans and leases to total assets | 37.8300% | 4,147 |
| Net loans and leases to deposits | 39.8163% | 4,251 |
| Net loans and leases to core deposits | 40.5025% | 4,265 |
| Total domestic deposits to total assets | 95.0200% | 135 |
| Equity capital to assets | 4.5677% | 4,453 |
| Core capital (leverage) ratio | 10.5503% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9226% | 551 |
| Memoranda: | ||
| Average total assets | $351,455,600 | 2,222 |
| Average earning assets | $333,137,800 | 2,186 |
| Average equity | $21,414,800 | 2,822 |
| Average total loans | $115,660,000 | 2,967 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 3,399 |
| Cost of funding earning assets | 0.0584% | 4,538 |
| Net interest margin | 3.1566% | 2,753 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.5477% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9419% | 2,698 |
| Return on assets (ROA) | 0.9415% | 2,667 |
| Pretax return on assets | 0.9415% | 3,203 |
| Return on Equity (ROE) | 14.5700% | 1,271 |
| Retained earnings to average equity (ytd only) | 14.5664% | 399 |
| Net charge-offs to loans | -0.0072% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.9137% | 1,389 |
| Assets per employee ($millions) | 5.7513% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,374 |
| Loan loss allowance to noncurrent loans | 184.6380% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 1,787 |
| Noncurrent loans to loans | 0.7982% | 1,007 |
| Net loans and leases to total assets | 35.9600% | 4,229 |
| Net loans and leases to deposits | 37.8642% | 4,307 |
| Net loans and leases to core deposits | 38.5263% | 4,330 |
| Total domestic deposits to total assets | 94.9700% | 226 |
| Equity capital to assets | 4.6273% | 4,370 |
| Core capital (leverage) ratio | 10.1518% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5202% | 524 |
| Memoranda: | ||
| Average total assets | $353,455,000 | 2,226 |
| Average earning assets | $335,579,500 | 2,187 |
| Average equity | $22,846,500 | 2,749 |
| Average total loans | $111,617,750 | 3,026 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0569% | 3,415 |
| Cost of funding earning assets | 0.0594% | 4,534 |
| Net interest margin | 2.9975% | 2,885 |
| Noninterest income to average assets | 0.4668% | 2,364 |
| Noninterest expense to average assets | 2.4694% | 2,029 |
| Loan and lease loss provision to assets | 0.0068% | 2,477 |
| Net operating income to assets | 0.8393% | 2,823 |
| Return on assets (ROA) | 0.8393% | 2,794 |
| Pretax return on assets | 0.8393% | 3,234 |
| Return on Equity (ROE) | 11.8719% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.8719% | 625 |
| Net charge-offs to loans | -0.0132% | 3,701 |
| Credit loss provision to net charge-offs | -171.4286% | 3,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4808% | 1,458 |
| Assets per employee ($millions) | 5.8069% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 901 |
| Loan loss allowance to noncurrent loans | 177.6836% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 1,784 |
| Noncurrent loans to loans | 0.9768% | 856 |
| Net loans and leases to total assets | 30.6643% | 4,441 |
| Net loans and leases to deposits | 32.3809% | 4,490 |
| Net loans and leases to core deposits | 33.1835% | 4,502 |
| Total domestic deposits to total assets | 94.6985% | 178 |
| Equity capital to assets | 4.8971% | 4,496 |
| Core capital (leverage) ratio | 9.9003% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5379% | 400 |
| Memoranda: | ||
| Average total assets | $354,330,000 | 2,230 |
| Average earning assets | $336,747,667 | 2,198 |
| Average equity | $25,050,667 | 2,682 |
| Average total loans | $106,143,333 | 3,109 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0103% | 3,227 |
| Cost of funding earning assets | 0.0588% | 4,530 |
| Net interest margin | 2.9515% | 2,662 |
| Noninterest income to average assets | 0.4590% | 2,364 |
| Noninterest expense to average assets | 2.3712% | 2,266 |
| Loan and lease loss provision to assets | 0.0134% | 2,102 |
| Net operating income to assets | 0.8844% | 2,338 |
| Return on assets (ROA) | 0.8844% | 2,338 |
| Pretax return on assets | 0.8844% | 2,837 |
| Return on Equity (ROE) | 10.8797% | 1,656 |
| Retained earnings to average equity (ytd only) | 10.8797% | 804 |
| Net charge-offs to loans | -0.0038% | 3,262 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5342% | 1,909 |
| Assets per employee ($millions) | 6.0192% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 888 |
| Loan loss allowance to noncurrent loans | 140.4478% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 1,625 |
| Noncurrent loans to loans | 1.2789% | 684 |
| Net loans and leases to total assets | 28.4915% | 4,495 |
| Net loans and leases to deposits | 30.7627% | 4,530 |
| Net loans and leases to core deposits | 31.5818% | 4,549 |
| Total domestic deposits to total assets | 92.6173% | 377 |
| Equity capital to assets | 7.0865% | 4,166 |
| Core capital (leverage) ratio | 9.6573% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9342% | 332 |
| Memoranda: | ||
| Average total assets | $357,289,000 | 2,224 |
| Average earning assets | $340,170,000 | 2,187 |
| Average equity | $29,045,000 | 2,534 |
| Average total loans | $104,852,500 | 3,126 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6605% | 4,349 |
| Cost of funding earning assets | 0.0663% | 4,609 |
| Net interest margin | 2.5941% | 4,058 |
| Noninterest income to average assets | 0.4986% | 2,570 |
| Noninterest expense to average assets | 2.6054% | 1,854 |
| Loan and lease loss provision to assets | -0.1595% | 4,643 |
| Net operating income to assets | 0.5095% | 4,067 |
| Return on assets (ROA) | 0.5297% | 4,069 |
| Pretax return on assets | 0.5297% | 4,208 |
| Return on Equity (ROE) | 5.4369% | 3,897 |
| Retained earnings to average equity (ytd only) | 5.2944% | 2,679 |
| Net charge-offs to loans | -0.1272% | 4,633 |
| Credit loss provision to net charge-offs | 382.6087% | 932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1566% | 380 |
| Assets per employee ($millions) | 6.0935% | 2,671 |
| Cash dividends to net income (ytd only)* | 2.6226% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 901 |
| Loan loss allowance to noncurrent loans | 112.4624% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 1,405 |
| Noncurrent loans to loans | 1.5830% | 560 |
| Net loans and leases to total assets | 29.1595% | 4,536 |
| Net loans and leases to deposits | 32.2235% | 4,575 |
| Net loans and leases to core deposits | 33.1216% | 4,584 |
| Total domestic deposits to total assets | 90.4913% | 723 |
| Equity capital to assets | 9.1949% | 3,427 |
| Core capital (leverage) ratio | 9.6689% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6288% | 364 |
| Memoranda: | ||
| Average total assets | $331,124,200 | 2,289 |
| Average earning assets | $313,592,600 | 2,264 |
| Average equity | $32,260,800 | 2,413 |
| Average total loans | $108,453,800 | 3,097 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6610% | 4,446 |
| Cost of funding earning assets | 0.0681% | 4,699 |
| Net interest margin | 2.5930% | 4,139 |
| Noninterest income to average assets | 0.5017% | 2,616 |
| Noninterest expense to average assets | 2.5700% | 1,929 |
| Loan and lease loss provision to assets | -0.0728% | 4,529 |
| Net operating income to assets | 0.4546% | 4,289 |
| Return on assets (ROA) | 0.4820% | 4,283 |
| Pretax return on assets | 0.4820% | 4,391 |
| Return on Equity (ROE) | 4.8733% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.6829% | 3,340 |
| Net charge-offs to loans | -0.1695% | 4,745 |
| Credit loss provision to net charge-offs | 128.0576% | 1,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0681% | 396 |
| Assets per employee ($millions) | 5.9322% | 2,758 |
| Cash dividends to net income (ytd only)* | 3.9082% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1596% | 488 |
| Loan loss allowance to noncurrent loans | 129.2370% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 1,532 |
| Noncurrent loans to loans | 1.6710% | 605 |
| Net loans and leases to total assets | 29.2189% | 4,610 |
| Net loans and leases to deposits | 32.4286% | 4,665 |
| Net loans and leases to core deposits | 33.3897% | 4,668 |
| Total domestic deposits to total assets | 90.1022% | 731 |
| Equity capital to assets | 9.5763% | 3,309 |
| Core capital (leverage) ratio | 9.6993% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8574% | 257 |
| Memoranda: | ||
| Average total assets | $325,549,000 | 2,341 |
| Average earning assets | $307,593,500 | 2,320 |
| Average equity | $32,201,750 | 2,448 |
| Average total loans | $109,336,000 | 3,127 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7188% | 4,436 |
| Cost of funding earning assets | 0.0717% | 4,734 |
| Net interest margin | 2.6472% | 4,088 |
| Noninterest income to average assets | 0.4878% | 2,677 |
| Noninterest expense to average assets | 2.6533% | 1,714 |
| Loan and lease loss provision to assets | -0.0225% | 4,439 |
| Net operating income to assets | 0.3557% | 4,456 |
| Return on assets (ROA) | 0.3977% | 4,427 |
| Pretax return on assets | 0.3977% | 4,502 |
| Return on Equity (ROE) | 3.9746% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.6867% | 3,623 |
| Net charge-offs to loans | 0.0072% | 1,874 |
| Credit loss provision to net charge-offs | -900.0000% | 3,628 |
| Earnings coverage of net charge-offs (x) | 133.0000% | 634 |
| Efficiency ratio | 88.8446% | 372 |
| Assets per employee ($millions) | 5.5143% | 3,110 |
| Cash dividends to net income (ytd only)* | 7.2441% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 517 |
| Loan loss allowance to noncurrent loans | 123.9799% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 1,541 |
| Noncurrent loans to loans | 1.6829% | 631 |
| Net loans and leases to total assets | 31.4591% | 4,605 |
| Net loans and leases to deposits | 34.9614% | 4,654 |
| Net loans and leases to core deposits | 36.0519% | 4,670 |
| Total domestic deposits to total assets | 89.9823% | 788 |
| Equity capital to assets | 9.7003% | 3,144 |
| Core capital (leverage) ratio | 9.8793% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9165% | 249 |
| Memoranda: | ||
| Average total assets | $319,376,000 | 2,362 |
| Average earning assets | $301,451,000 | 2,336 |
| Average equity | $31,952,667 | 2,450 |
| Average total loans | $111,530,667 | 3,106 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8188% | 4,358 |
| Cost of funding earning assets | 0.0756% | 4,771 |
| Net interest margin | 2.7432% | 3,878 |
| Noninterest income to average assets | 0.4706% | 2,750 |
| Noninterest expense to average assets | 2.7752% | 1,420 |
| Loan and lease loss provision to assets | -0.0459% | 4,645 |
| Net operating income to assets | 0.3329% | 4,474 |
| Return on assets (ROA) | 0.3329% | 4,509 |
| Pretax return on assets | 0.3329% | 4,564 |
| Return on Equity (ROE) | 3.2746% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.6974% | 3,870 |
| Net charge-offs to loans | 0.0105% | 1,551 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,404 |
| Earnings coverage of net charge-offs (x) | 75.0000% | 730 |
| Efficiency ratio | 90.6289% | 354 |
| Assets per employee ($millions) | 5.0671% | 3,573 |
| Cash dividends to net income (ytd only)* | 17.6245% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 605 |
| Loan loss allowance to noncurrent loans | 88.1302% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,166 |
| Noncurrent loans to loans | 2.2603% | 439 |
| Net loans and leases to total assets | 33.6810% | 4,585 |
| Net loans and leases to deposits | 37.3825% | 4,648 |
| Net loans and leases to core deposits | 38.1613% | 4,665 |
| Total domestic deposits to total assets | 90.0982% | 775 |
| Equity capital to assets | 9.5989% | 3,106 |
| Core capital (leverage) ratio | 10.2684% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9501% | 296 |
| Memoranda: | ||
| Average total assets | $313,636,500 | 2,379 |
| Average earning assets | $296,292,500 | 2,357 |
| Average equity | $31,882,000 | 2,445 |
| Average total loans | $114,145,000 | 3,075 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 4,021 |
| Cost of funding earning assets | 0.1136% | 4,834 |
| Net interest margin | 3.3933% | 2,801 |
| Noninterest income to average assets | 0.6067% | 2,196 |
| Noninterest expense to average assets | 3.1185% | 1,193 |
| Loan and lease loss provision to assets | 0.2019% | 1,942 |
| Net operating income to assets | 0.4948% | 4,040 |
| Return on assets (ROA) | 0.4989% | 4,118 |
| Pretax return on assets | 0.4989% | 4,273 |
| Return on Equity (ROE) | 4.5258% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.9050% | 2,870 |
| Net charge-offs to loans | 0.1989% | 869 |
| Credit loss provision to net charge-offs | 238.8664% | 1,976 |
| Earnings coverage of net charge-offs (x) | 8.2429% | 2,618 |
| Efficiency ratio | 81.7399% | 763 |
| Assets per employee ($millions) | 4.5906% | 3,823 |
| Cash dividends to net income (ytd only)* | 13.7174% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9325% | 673 |
| Loan loss allowance to noncurrent loans | 101.6202% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 1,409 |
| Noncurrent loans to loans | 1.9017% | 627 |
| Net loans and leases to total assets | 37.8200% | 4,526 |
| Net loans and leases to deposits | 42.5423% | 4,577 |
| Net loans and leases to core deposits | 43.4560% | 4,619 |
| Total domestic deposits to total assets | 88.8998% | 1,027 |
| Equity capital to assets | 10.7714% | 2,456 |
| Core capital (leverage) ratio | 10.2016% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4850% | 277 |
| Memoranda: | ||
| Average total assets | $292,259,400 | 2,334 |
| Average earning assets | $276,339,400 | 2,311 |
| Average equity | $32,215,400 | 2,378 |
| Average total loans | $124,180,400 | 2,935 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 3,869 |
| Cost of funding earning assets | 0.1217% | 4,875 |
| Net interest margin | 3.5452% | 2,437 |
| Noninterest income to average assets | 0.6437% | 2,006 |
| Noninterest expense to average assets | 3.1723% | 1,118 |
| Loan and lease loss provision to assets | 0.1461% | 2,561 |
| Net operating income to assets | 0.6773% | 3,532 |
| Return on assets (ROA) | 0.6768% | 3,645 |
| Pretax return on assets | 0.6768% | 3,952 |
| Return on Equity (ROE) | 6.1038% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.2733% | 2,442 |
| Net charge-offs to loans | 0.2497% | 614 |
| Credit loss provision to net charge-offs | 133.8983% | 2,424 |
| Earnings coverage of net charge-offs (x) | 7.5763% | 2,568 |
| Efficiency ratio | 79.3962% | 910 |
| Assets per employee ($millions) | 4.5417% | 3,792 |
| Cash dividends to net income (ytd only)* | 13.6054% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 1,090 |
| Loan loss allowance to noncurrent loans | 49.7629% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2786% | 754 |
| Noncurrent loans to loans | 3.2224% | 272 |
| Net loans and leases to total assets | 39.0439% | 4,591 |
| Net loans and leases to deposits | 43.8121% | 4,666 |
| Net loans and leases to core deposits | 44.6416% | 4,695 |
| Total domestic deposits to total assets | 89.1167% | 720 |
| Equity capital to assets | 10.5071% | 2,785 |
| Core capital (leverage) ratio | 10.3165% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7752% | 313 |
| Memoranda: | ||
| Average total assets | $289,580,000 | 2,328 |
| Average earning assets | $273,792,250 | 2,308 |
| Average equity | $32,110,500 | 2,370 |
| Average total loans | $126,014,500 | 2,914 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,718 |
| Cost of funding earning assets | 0.1346% | 4,917 |
| Net interest margin | 3.7257% | 2,072 |
| Noninterest income to average assets | 0.5525% | 2,342 |
| Noninterest expense to average assets | 3.3773% | 879 |
| Loan and lease loss provision to assets | 0.1186% | 2,835 |
| Net operating income to assets | 0.5745% | 3,818 |
| Return on assets (ROA) | 0.5745% | 3,894 |
| Pretax return on assets | 0.5745% | 4,107 |
| Return on Equity (ROE) | 5.0819% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.0819% | 2,435 |
| Net charge-offs to loans | 0.3713% | 428 |
| Credit loss provision to net charge-offs | 71.0638% | 2,543 |
| Earnings coverage of net charge-offs (x) | 4.1532% | 2,622 |
| Efficiency ratio | 82.9728% | 697 |
| Assets per employee ($millions) | 4.4235% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,533 |
| Loan loss allowance to noncurrent loans | 45.8178% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.3200% | 779 |
| Noncurrent loans to loans | 3.0905% | 299 |
| Net loans and leases to total assets | 42.1075% | 4,528 |
| Net loans and leases to deposits | 47.3504% | 4,614 |
| Net loans and leases to core deposits | 48.2139% | 4,660 |
| Total domestic deposits to total assets | 88.9273% | 774 |
| Equity capital to assets | 10.7061% | 2,569 |
| Core capital (leverage) ratio | 10.6488% | 2,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0167% | 366 |
| Memoranda: | ||
| Average total assets | $281,647,333 | 2,351 |
| Average earning assets | $265,937,333 | 2,332 |
| Average equity | $31,838,333 | 2,372 |
| Average total loans | $126,569,667 | 2,897 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,336 |
| Cost of funding earning assets | 0.1526% | 4,965 |
| Net interest margin | 4.0128% | 1,357 |
| Noninterest income to average assets | 0.6181% | 1,959 |
| Noninterest expense to average assets | 3.6285% | 786 |
| Loan and lease loss provision to assets | 0.0252% | 3,482 |
| Net operating income to assets | 0.7456% | 3,111 |
| Return on assets (ROA) | 0.7456% | 3,182 |
| Pretax return on assets | 0.7456% | 3,555 |
| Return on Equity (ROE) | 6.4038% | 3,173 |
| Retained earnings to average equity (ytd only) | 6.4038% | 1,750 |
| Net charge-offs to loans | 0.0449% | 1,576 |
| Credit loss provision to net charge-offs | 121.4286% | 1,701 |
| Earnings coverage of net charge-offs (x) | 37.1429% | 1,064 |
| Efficiency ratio | 82.4798% | 942 |
| Assets per employee ($millions) | 3.9579% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,200 |
| Loan loss allowance to noncurrent loans | 81.5051% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 1,551 |
| Noncurrent loans to loans | 1.8986% | 773 |
| Net loans and leases to total assets | 44.6592% | 4,484 |
| Net loans and leases to deposits | 50.7819% | 4,567 |
| Net loans and leases to core deposits | 51.7312% | 4,638 |
| Total domestic deposits to total assets | 87.9431% | 1,136 |
| Equity capital to assets | 11.6958% | 2,291 |
| Core capital (leverage) ratio | 11.5522% | 2,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6104% | 467 |
| Memoranda: | ||
| Average total assets | $269,861,500 | 2,370 |
| Average earning assets | $254,283,500 | 2,349 |
| Average equity | $31,419,000 | 2,381 |
| Average total loans | $124,671,500 | 2,904 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5099% | 2,909 |
| Cost of funding earning assets | 0.1441% | 5,056 |
| Net interest margin | 4.3658% | 955 |
| Noninterest income to average assets | 0.7383% | 1,666 |
| Noninterest expense to average assets | 3.5166% | 944 |
| Loan and lease loss provision to assets | -0.1284% | 5,094 |
| Net operating income to assets | 1.4668% | 1,132 |
| Return on assets (ROA) | 1.4664% | 1,198 |
| Pretax return on assets | 1.4664% | 1,913 |
| Return on Equity (ROE) | 13.2910% | 1,078 |
| Retained earnings to average equity (ytd only) | 8.6261% | 805 |
| Net charge-offs to loans | -0.1948% | 5,057 |
| Credit loss provision to net charge-offs | 126.9373% | 2,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4323% | 1,806 |
| Assets per employee ($millions) | 3.8641% | 4,073 |
| Cash dividends to net income (ytd only)* | 35.0980% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 1,152 |
| Loan loss allowance to noncurrent loans | 93.0515% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 1,675 |
| Noncurrent loans to loans | 1.6403% | 851 |
| Net loans and leases to total assets | 46.3376% | 4,510 |
| Net loans and leases to deposits | 52.6823% | 4,582 |
| Net loans and leases to core deposits | 53.7516% | 4,655 |
| Total domestic deposits to total assets | 87.9565% | 1,144 |
| Equity capital to assets | 11.5881% | 2,444 |
| Core capital (leverage) ratio | 11.1961% | 2,342 |
| Tier 1 risk-based capital ratio | 22.6405% | 948 |
| Total risk-based capital ratio | 23.8930% | 934 |
| Memoranda: | ||
| Average total assets | $267,926,800 | 2,342 |
| Average earning assets | $252,645,800 | 2,318 |
| Average equity | $29,561,400 | 2,420 |
| Average total loans | $139,083,200 | 2,734 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 2,859 |
| Cost of funding earning assets | 0.1402% | 5,134 |
| Net interest margin | 4.4199% | 909 |
| Noninterest income to average assets | 0.8435% | 1,297 |
| Noninterest expense to average assets | 3.6030% | 846 |
| Loan and lease loss provision to assets | 0.0099% | 3,690 |
| Net operating income to assets | 1.3977% | 1,475 |
| Return on assets (ROA) | 1.3977% | 1,537 |
| Pretax return on assets | 1.3977% | 2,321 |
| Return on Equity (ROE) | 12.8278% | 1,345 |
| Retained earnings to average equity (ytd only) | 9.9584% | 758 |
| Net charge-offs to loans | -0.2648% | 5,143 |
| Credit loss provision to net charge-offs | -7.0671% | 3,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9075% | 1,847 |
| Assets per employee ($millions) | 4.0181% | 3,881 |
| Cash dividends to net income (ytd only)* | 22.3685% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 697 |
| Loan loss allowance to noncurrent loans | 93.3143% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 1,512 |
| Noncurrent loans to loans | 1.9184% | 724 |
| Net loans and leases to total assets | 45.9603% | 4,597 |
| Net loans and leases to deposits | 52.0026% | 4,707 |
| Net loans and leases to core deposits | 53.0241% | 4,777 |
| Total domestic deposits to total assets | 88.3808% | 884 |
| Equity capital to assets | 11.1921% | 2,940 |
| Core capital (leverage) ratio | 11.0080% | 2,631 |
| Tier 1 risk-based capital ratio | 22.0191% | 1,071 |
| Total risk-based capital ratio | 23.2749% | 1,043 |
| Memoranda: | ||
| Average total assets | $268,252,000 | 2,356 |
| Average earning assets | $252,913,250 | 2,338 |
| Average equity | $29,227,500 | 2,450 |
| Average total loans | $142,488,250 | 2,718 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 3,017 |
| Cost of funding earning assets | 0.1363% | 5,186 |
| Net interest margin | 4.3638% | 1,010 |
| Noninterest income to average assets | 0.8875% | 1,099 |
| Noninterest expense to average assets | 3.6588% | 788 |
| Loan and lease loss provision to assets | 0.0150% | 3,474 |
| Net operating income to assets | 1.3219% | 1,688 |
| Return on assets (ROA) | 1.3219% | 1,747 |
| Pretax return on assets | 1.3219% | 2,467 |
| Return on Equity (ROE) | 12.2460% | 1,492 |
| Retained earnings to average equity (ytd only) | 10.7726% | 585 |
| Net charge-offs to loans | 0.0679% | 1,685 |
| Credit loss provision to net charge-offs | 40.0000% | 2,532 |
| Earnings coverage of net charge-offs (x) | 35.6400% | 1,320 |
| Efficiency ratio | 73.2392% | 1,740 |
| Assets per employee ($millions) | 4.1686% | 3,624 |
| Cash dividends to net income (ytd only)* | 12.0318% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 1,487 |
| Loan loss allowance to noncurrent loans | 48.9980% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 804 |
| Noncurrent loans to loans | 2.9218% | 359 |
| Net loans and leases to total assets | 48.2191% | 4,562 |
| Net loans and leases to deposits | 54.2454% | 4,674 |
| Net loans and leases to core deposits | 55.3685% | 4,736 |
| Total domestic deposits to total assets | 88.8906% | 708 |
| Equity capital to assets | 10.7270% | 3,323 |
| Core capital (leverage) ratio | 10.8349% | 2,759 |
| Tier 1 risk-based capital ratio | 20.4286% | 1,268 |
| Total risk-based capital ratio | 21.6800% | 1,238 |
| Memoranda: | ||
| Average total assets | $266,593,000 | 2,373 |
| Average earning assets | $250,972,330 | 2,356 |
| Average equity | $28,776,670 | 2,465 |
| Average total loans | $147,362,330 | 2,686 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 2,706 |
| Cost of funding earning assets | 0.1324% | 5,238 |
| Net interest margin | 4.4141% | 868 |
| Noninterest income to average assets | 1.0421% | 734 |
| Noninterest expense to average assets | 3.8626% | 619 |
| Loan and lease loss provision to assets | 0.0169% | 3,217 |
| Net operating income to assets | 1.3142% | 1,648 |
| Return on assets (ROA) | 1.3142% | 1,692 |
| Pretax return on assets | 1.3142% | 2,396 |
| Return on Equity (ROE) | 12.1341% | 1,486 |
| Retained earnings to average equity (ytd only) | 12.1341% | 590 |
| Net charge-offs to loans | -0.1519% | 5,125 |
| Credit loss provision to net charge-offs | -18.9655% | 3,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3711% | 1,702 |
| Assets per employee ($millions) | 3.8995% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 1,833 |
| Loan loss allowance to noncurrent loans | 47.5915% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.6284% | 693 |
| Noncurrent loans to loans | 2.8542% | 407 |
| Net loans and leases to total assets | 56.2780% | 4,043 |
| Net loans and leases to deposits | 63.3802% | 4,223 |
| Net loans and leases to core deposits | 64.7621% | 4,342 |
| Total domestic deposits to total assets | 88.7942% | 961 |
| Equity capital to assets | 10.8385% | 3,009 |
| Core capital (leverage) ratio | 11.2018% | 2,392 |
| Tier 1 risk-based capital ratio | 18.7164% | 1,608 |
| Total risk-based capital ratio | 19.9676% | 1,567 |
| Memoranda: | ||
| Average total assets | $260,241,500 | 2,442 |
| Average earning assets | $244,760,500 | 2,418 |
| Average equity | $28,185,000 | 2,510 |
| Average total loans | $152,728,500 | 2,661 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 1,890 |
| Cost of funding earning assets | 0.0907% | 5,306 |
| Net interest margin | 4.5918% | 616 |
| Noninterest income to average assets | 1.2602% | 589 |
| Noninterest expense to average assets | 3.6971% | 777 |
| Loan and lease loss provision to assets | 0.1631% | 1,244 |
| Net operating income to assets | 1.7295% | 641 |
| Return on assets (ROA) | 1.7634% | 597 |
| Pretax return on assets | 1.7634% | 1,018 |
| Return on Equity (ROE) | 16.7618% | 517 |
| Retained earnings to average equity (ytd only) | 7.6973% | 1,378 |
| Net charge-offs to loans | 0.2805% | 691 |
| Credit loss provision to net charge-offs | 90.7895% | 2,708 |
| Earnings coverage of net charge-offs (x) | 10.5329% | 2,708 |
| Efficiency ratio | 66.1403% | 2,851 |
| Assets per employee ($millions) | 3.7002% | 4,316 |
| Cash dividends to net income (ytd only)* | 54.0782% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,102 |
| Loan loss allowance to noncurrent loans | 107.2894% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 1,907 |
| Noncurrent loans to loans | 1.2013% | 1,334 |
| Net loans and leases to total assets | 59.6063% | 3,811 |
| Net loans and leases to deposits | 67.1694% | 4,035 |
| Net loans and leases to core deposits | 68.8035% | 4,186 |
| Total domestic deposits to total assets | 88.7403% | 968 |
| Equity capital to assets | 10.8218% | 2,872 |
| Core capital (leverage) ratio | 10.8318% | 2,695 |
| Tier 1 risk-based capital ratio | 17.5934% | 1,872 |
| Total risk-based capital ratio | 18.8436% | 1,828 |
| Memoranda: | ||
| Average total assets | $253,767,400 | 2,445 |
| Average earning assets | $239,275,800 | 2,417 |
| Average equity | $26,697,600 | 2,525 |
| Average total loans | $162,544,000 | 2,497 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,941 |
| Cost of funding earning assets | 0.0776% | 5,395 |
| Net interest margin | 4.5353% | 688 |
| Noninterest income to average assets | 0.7225% | 1,785 |
| Noninterest expense to average assets | 3.7108% | 747 |
| Loan and lease loss provision to assets | 0.1631% | 1,169 |
| Net operating income to assets | 1.1256% | 2,552 |
| Return on assets (ROA) | 1.1708% | 2,371 |
| Pretax return on assets | 1.1708% | 3,121 |
| Return on Equity (ROE) | 11.2097% | 2,086 |
| Retained earnings to average equity (ytd only) | 8.8015% | 1,303 |
| Net charge-offs to loans | 0.3320% | 501 |
| Credit loss provision to net charge-offs | 75.6098% | 2,574 |
| Earnings coverage of net charge-offs (x) | 5.9732% | 2,926 |
| Efficiency ratio | 74.2238% | 1,555 |
| Assets per employee ($millions) | 3.5377% | 4,514 |
| Cash dividends to net income (ytd only)* | 21.4833% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,574 |
| Loan loss allowance to noncurrent loans | 81.0765% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 1,287 |
| Noncurrent loans to loans | 1.4916% | 1,097 |
| Net loans and leases to total assets | 60.9855% | 3,748 |
| Net loans and leases to deposits | 68.4923% | 4,025 |
| Net loans and leases to core deposits | 70.1310% | 4,185 |
| Total domestic deposits to total assets | 89.0399% | 834 |
| Equity capital to assets | 10.5098% | 3,132 |
| Core capital (leverage) ratio | 10.7916% | 2,800 |
| Tier 1 risk-based capital ratio | 16.6896% | 2,211 |
| Total risk-based capital ratio | 17.8792% | 2,177 |
| Memoranda: | ||
| Average total assets | $253,380,000 | 2,466 |
| Average earning assets | $238,950,500 | 2,430 |
| Average equity | $26,464,500 | 2,555 |
| Average total loans | $164,637,000 | 2,501 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 1,897 |
| Cost of funding earning assets | 0.0639% | 5,467 |
| Net interest margin | 4.4967% | 705 |
| Noninterest income to average assets | 0.7356% | 1,710 |
| Noninterest expense to average assets | 3.7298% | 729 |
| Loan and lease loss provision to assets | 0.0024% | 3,755 |
| Net operating income to assets | 1.2544% | 1,962 |
| Return on assets (ROA) | 1.3235% | 1,686 |
| Pretax return on assets | 1.3235% | 2,420 |
| Return on Equity (ROE) | 12.6988% | 1,474 |
| Retained earnings to average equity (ytd only) | 9.0553% | 1,197 |
| Net charge-offs to loans | 0.0180% | 2,539 |
| Credit loss provision to net charge-offs | 20.0000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 105.4667% | 673 |
| Efficiency ratio | 74.7969% | 1,594 |
| Assets per employee ($millions) | 3.6547% | 4,396 |
| Cash dividends to net income (ytd only)* | 28.6915% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,599 |
| Loan loss allowance to noncurrent loans | 81.3963% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 1,532 |
| Noncurrent loans to loans | 1.4992% | 1,119 |
| Net loans and leases to total assets | 64.7433% | 3,315 |
| Net loans and leases to deposits | 72.7464% | 3,653 |
| Net loans and leases to core deposits | 74.5280% | 3,845 |
| Total domestic deposits to total assets | 88.9986% | 936 |
| Equity capital to assets | 10.5831% | 3,041 |
| Core capital (leverage) ratio | 10.7479% | 2,758 |
| Tier 1 risk-based capital ratio | 16.0416% | 2,423 |
| Total risk-based capital ratio | 17.2610% | 2,373 |
| Memoranda: | ||
| Average total assets | $251,755,000 | 2,487 |
| Average earning assets | $237,996,330 | 2,452 |
| Average equity | $26,238,670 | 2,574 |
| Average total loans | $166,374,000 | 2,497 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,935 |
| Cost of funding earning assets | 0.0621% | 5,531 |
| Net interest margin | 4.4166% | 743 |
| Noninterest income to average assets | 0.7044% | 1,810 |
| Noninterest expense to average assets | 3.7942% | 684 |
| Loan and lease loss provision to assets | 0.0048% | 3,444 |
| Net operating income to assets | 1.0893% | 2,476 |
| Return on assets (ROA) | 1.2276% | 1,912 |
| Pretax return on assets | 1.2276% | 2,653 |
| Return on Equity (ROE) | 11.8705% | 1,626 |
| Retained earnings to average equity (ytd only) | 11.8705% | 704 |
| Net charge-offs to loans | 0.0431% | 1,684 |
| Credit loss provision to net charge-offs | 16.6667% | 2,144 |
| Earnings coverage of net charge-offs (x) | 38.2222% | 1,090 |
| Efficiency ratio | 77.6187% | 1,389 |
| Assets per employee ($millions) | 3.7571% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 2,733 |
| Loan loss allowance to noncurrent loans | 85.5867% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 1,720 |
| Noncurrent loans to loans | 1.4169% | 1,253 |
| Net loans and leases to total assets | 64.1862% | 3,281 |
| Net loans and leases to deposits | 71.8392% | 3,624 |
| Net loans and leases to core deposits | 74.2798% | 3,801 |
| Total domestic deposits to total assets | 89.3469% | 944 |
| Equity capital to assets | 10.2891% | 3,297 |
| Core capital (leverage) ratio | 10.6729% | 2,768 |
| Tier 1 risk-based capital ratio | 16.0359% | 2,453 |
| Total risk-based capital ratio | 17.2721% | 2,399 |
| Memoranda: | ||
| Average total assets | $251,544,500 | 2,500 |
| Average earning assets | $238,284,000 | 2,464 |
| Average equity | $26,014,000 | 2,615 |
| Average total loans | $166,919,000 | 2,509 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,751 |
| Cost of funding earning assets | 0.0665% | 5,584 |
| Net interest margin | 4.4204% | 729 |
| Noninterest income to average assets | 0.7281% | 1,851 |
| Noninterest expense to average assets | 3.8248% | 676 |
| Loan and lease loss provision to assets | 0.1672% | 1,312 |
| Net operating income to assets | 0.9091% | 2,661 |
| Return on assets (ROA) | 0.9086% | 2,688 |
| Pretax return on assets | 0.9086% | 3,893 |
| Return on Equity (ROE) | 9.1617% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.1617% | 480 |
| Net charge-offs to loans | 0.0770% | 2,349 |
| Credit loss provision to net charge-offs | 330.4000% | 871 |
| Earnings coverage of net charge-offs (x) | 21.2720% | 1,915 |
| Efficiency ratio | 78.0411% | 1,346 |
| Assets per employee ($millions) | 3.3918% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,722 |
| Loan loss allowance to noncurrent loans | 79.5374% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0303% | 1,487 |
| Noncurrent loans to loans | 1.5199% | 1,113 |
| Net loans and leases to total assets | 66.9658% | 2,969 |
| Net loans and leases to deposits | 75.1322% | 3,418 |
| Net loans and leases to core deposits | 77.7735% | 3,605 |
| Total domestic deposits to total assets | 89.1306% | 943 |
| Equity capital to assets | 10.3960% | 3,276 |
| Core capital (leverage) ratio | 10.2841% | 3,086 |
| Tier 1 risk-based capital ratio | 15.4097% | 2,655 |
| Total risk-based capital ratio | 16.6422% | 2,602 |
| Memoranda: | ||
| Average total assets | $247,070,800 | 2,509 |
| Average earning assets | $233,237,800 | 2,476 |
| Average equity | $24,504,200 | 2,710 |
| Average total loans | $162,233,200 | 2,519 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 1,783 |
| Cost of funding earning assets | 0.0664% | 5,644 |
| Net interest margin | 4.3849% | 748 |
| Noninterest income to average assets | 0.7305% | 1,865 |
| Noninterest expense to average assets | 3.9172% | 581 |
| Loan and lease loss provision to assets | 0.2036% | 930 |
| Net operating income to assets | 0.7483% | 3,745 |
| Return on assets (ROA) | 0.7483% | 3,805 |
| Pretax return on assets | 0.7483% | 4,493 |
| Return on Equity (ROE) | 7.6377% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.6377% | 1,377 |
| Net charge-offs to loans | 0.1053% | 1,739 |
| Credit loss provision to net charge-offs | 296.8504% | 1,001 |
| Earnings coverage of net charge-offs (x) | 13.8818% | 2,330 |
| Efficiency ratio | 80.4502% | 1,054 |
| Assets per employee ($millions) | 3.5192% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,791 |
| Loan loss allowance to noncurrent loans | 81.3061% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 1,759 |
| Noncurrent loans to loans | 1.5028% | 1,244 |
| Net loans and leases to total assets | 63.5548% | 3,481 |
| Net loans and leases to deposits | 70.9158% | 3,882 |
| Net loans and leases to core deposits | 73.5359% | 4,017 |
| Total domestic deposits to total assets | 89.6201% | 610 |
| Equity capital to assets | 9.8704% | 4,060 |
| Core capital (leverage) ratio | 9.8825% | 3,720 |
| Tier 1 risk-based capital ratio | 15.0428% | 2,896 |
| Total risk-based capital ratio | 16.2652% | 2,840 |
| Memoranda: | ||
| Average total assets | $246,937,500 | 2,528 |
| Average earning assets | $233,064,500 | 2,485 |
| Average equity | $24,195,000 | 2,764 |
| Average total loans | $160,831,750 | 2,555 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 1,765 |
| Cost of funding earning assets | 0.0659% | 5,688 |
| Net interest margin | 4.3504% | 762 |
| Noninterest income to average assets | 0.7353% | 1,836 |
| Noninterest expense to average assets | 3.9699% | 544 |
| Loan and lease loss provision to assets | 0.3080% | 485 |
| Net operating income to assets | 0.5548% | 4,502 |
| Return on assets (ROA) | 0.5548% | 4,546 |
| Pretax return on assets | 0.5548% | 4,894 |
| Return on Equity (ROE) | 5.6765% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.6765% | 2,310 |
| Net charge-offs to loans | 0.1649% | 1,182 |
| Credit loss provision to net charge-offs | 285.6061% | 991 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,544 |
| Efficiency ratio | 82.1471% | 992 |
| Assets per employee ($millions) | 3.3815% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 3,068 |
| Loan loss allowance to noncurrent loans | 78.2198% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0147% | 1,722 |
| Noncurrent loans to loans | 1.5235% | 1,229 |
| Net loans and leases to total assets | 65.8057% | 3,135 |
| Net loans and leases to deposits | 73.2597% | 3,624 |
| Net loans and leases to core deposits | 75.9932% | 3,776 |
| Total domestic deposits to total assets | 89.8253% | 593 |
| Equity capital to assets | 9.7195% | 4,207 |
| Core capital (leverage) ratio | 9.8202% | 3,752 |
| Tier 1 risk-based capital ratio | 14.3090% | 3,261 |
| Total risk-based capital ratio | 15.5027% | 3,205 |
| Memoranda: | ||
| Average total assets | $244,789,000 | 2,556 |
| Average earning assets | $230,554,000 | 2,520 |
| Average equity | $23,923,330 | 2,791 |
| Average total loans | $160,099,330 | 2,565 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 1,836 |
| Cost of funding earning assets | 0.0668% | 5,754 |
| Net interest margin | 4.2777% | 830 |
| Noninterest income to average assets | 0.7452% | 1,762 |
| Noninterest expense to average assets | 4.0683% | 496 |
| Loan and lease loss provision to assets | 0.2479% | 608 |
| Net operating income to assets | 0.4511% | 4,772 |
| Return on assets (ROA) | 0.4511% | 4,792 |
| Pretax return on assets | 0.4511% | 5,056 |
| Return on Equity (ROE) | 4.6028% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.6028% | 3,121 |
| Net charge-offs to loans | 0.0918% | 1,434 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,871 |
| Efficiency ratio | 85.3380% | 860 |
| Assets per employee ($millions) | 3.2715% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 3,317 |
| Loan loss allowance to noncurrent loans | 139.4440% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 2,847 |
| Noncurrent loans to loans | 0.8373% | 2,361 |
| Net loans and leases to total assets | 64.0290% | 3,272 |
| Net loans and leases to deposits | 71.2460% | 3,675 |
| Net loans and leases to core deposits | 73.9950% | 3,827 |
| Total domestic deposits to total assets | 89.8704% | 717 |
| Equity capital to assets | 9.7270% | 4,038 |
| Core capital (leverage) ratio | 10.0018% | 3,494 |
| Tier 1 risk-based capital ratio | 14.5555% | 3,172 |
| Total risk-based capital ratio | 15.7110% | 3,152 |
| Memoranda: | ||
| Average total assets | $242,069,000 | 2,597 |
| Average earning assets | $227,597,000 | 2,572 |
| Average equity | $23,724,500 | 2,820 |
| Average total loans | $156,823,500 | 2,624 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 1,816 |
| Cost of funding earning assets | 0.0703% | 5,805 |
| Net interest margin | 4.3314% | 883 |
| Noninterest income to average assets | 0.8231% | 1,666 |
| Noninterest expense to average assets | 3.9096% | 677 |
| Loan and lease loss provision to assets | 0.3913% | 402 |
| Net operating income to assets | 0.5914% | 4,250 |
| Return on assets (ROA) | 0.7640% | 3,581 |
| Pretax return on assets | 0.7640% | 4,290 |
| Return on Equity (ROE) | 7.4139% | 3,257 |
| Retained earnings to average equity (ytd only) | -0.4689% | 5,376 |
| Net charge-offs to loans | 0.4982% | 496 |
| Credit loss provision to net charge-offs | 124.2466% | 2,152 |
| Earnings coverage of net charge-offs (x) | 3.1205% | 3,722 |
| Efficiency ratio | 79.9136% | 1,430 |
| Assets per employee ($millions) | 3.3164% | 5,023 |
| Cash dividends to net income (ytd only)* | 106.3241% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,565 |
| Loan loss allowance to noncurrent loans | 101.1614% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 2,401 |
| Noncurrent loans to loans | 1.1132% | 1,861 |
| Net loans and leases to total assets | 64.0542% | 3,352 |
| Net loans and leases to deposits | 71.4123% | 3,768 |
| Net loans and leases to core deposits | 74.1606% | 3,909 |
| Total domestic deposits to total assets | 89.6963% | 773 |
| Equity capital to assets | 9.8765% | 3,848 |
| Core capital (leverage) ratio | 9.9817% | 3,501 |
| Tier 1 risk-based capital ratio | 14.3310% | 3,266 |
| Total risk-based capital ratio | 15.4119% | 3,295 |
| Memoranda: | ||
| Average total assets | $231,815,800 | 2,647 |
| Average earning assets | $217,784,000 | 2,620 |
| Average equity | $23,887,600 | 2,807 |
| Average total loans | $146,513,400 | 2,685 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 1,918 |
| Cost of funding earning assets | 0.0709% | 5,869 |
| Net interest margin | 4.3090% | 912 |
| Noninterest income to average assets | 0.8530% | 1,568 |
| Noninterest expense to average assets | 4.0502% | 551 |
| Loan and lease loss provision to assets | 0.3848% | 392 |
| Net operating income to assets | 0.4694% | 4,803 |
| Return on assets (ROA) | 0.7024% | 3,966 |
| Pretax return on assets | 0.7024% | 4,604 |
| Return on Equity (ROE) | 6.7434% | 3,699 |
| Retained earnings to average equity (ytd only) | 1.5078% | 4,910 |
| Net charge-offs to loans | 0.4864% | 437 |
| Credit loss provision to net charge-offs | 125.9962% | 2,013 |
| Earnings coverage of net charge-offs (x) | 2.7970% | 3,521 |
| Efficiency ratio | 82.5830% | 1,116 |
| Assets per employee ($millions) | 3.1015% | 5,290 |
| Cash dividends to net income (ytd only)* | 77.6405% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,914 |
| Loan loss allowance to noncurrent loans | 256.3253% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2855% | 4,286 |
| Noncurrent loans to loans | 0.4235% | 3,766 |
| Net loans and leases to total assets | 66.6655% | 3,007 |
| Net loans and leases to deposits | 74.8056% | 3,520 |
| Net loans and leases to core deposits | 77.9029% | 3,671 |
| Total domestic deposits to total assets | 89.1184% | 841 |
| Equity capital to assets | 10.3791% | 3,708 |
| Core capital (leverage) ratio | 10.3700% | 3,137 |
| Tier 1 risk-based capital ratio | 14.7101% | 3,186 |
| Total risk-based capital ratio | 15.7778% | 3,210 |
| Memoranda: | ||
| Average total assets | $230,075,000 | 2,670 |
| Average earning assets | $216,319,500 | 2,644 |
| Average equity | $23,963,750 | 2,820 |
| Average total loans | $144,469,250 | 2,715 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 1,937 |
| Cost of funding earning assets | 0.0715% | 5,950 |
| Net interest margin | 4.2911% | 939 |
| Noninterest income to average assets | 0.8350% | 1,597 |
| Noninterest expense to average assets | 4.0859% | 539 |
| Loan and lease loss provision to assets | 0.2783% | 664 |
| Net operating income to assets | 0.5034% | 4,663 |
| Return on assets (ROA) | 0.8542% | 3,196 |
| Pretax return on assets | 0.8542% | 4,103 |
| Return on Equity (ROE) | 8.1911% | 2,887 |
| Retained earnings to average equity (ytd only) | 0.3179% | 5,206 |
| Net charge-offs to loans | 0.0157% | 3,206 |
| Credit loss provision to net charge-offs | 2,900.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 81.4545% | 694 |
| Efficiency ratio | 83.9398% | 1,058 |
| Assets per employee ($millions) | 3.1693% | 5,249 |
| Cash dividends to net income (ytd only)* | 96.1185% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,215 |
| Loan loss allowance to noncurrent loans | 85.0977% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 2,250 |
| Noncurrent loans to loans | 1.4400% | 1,538 |
| Net loans and leases to total assets | 65.2561% | 3,187 |
| Net loans and leases to deposits | 73.1577% | 3,687 |
| Net loans and leases to core deposits | 76.2087% | 3,804 |
| Total domestic deposits to total assets | 89.1993% | 813 |
| Equity capital to assets | 10.3537% | 3,789 |
| Core capital (leverage) ratio | 10.3168% | 3,171 |
| Tier 1 risk-based capital ratio | 14.8041% | 3,155 |
| Total risk-based capital ratio | 15.9960% | 3,130 |
| Memoranda: | ||
| Average total assets | $229,229,330 | 2,682 |
| Average earning assets | $215,421,670 | 2,661 |
| Average equity | $23,904,000 | 2,839 |
| Average total loans | $140,367,670 | 2,783 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3458% | 1,976 |
| Cost of funding earning assets | 0.0709% | 6,011 |
| Net interest margin | 4.2749% | 965 |
| Noninterest income to average assets | 0.7924% | 1,648 |
| Noninterest expense to average assets | 4.1268% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6837% | 3,796 |
| Return on assets (ROA) | 1.4042% | 1,084 |
| Pretax return on assets | 1.4042% | 1,895 |
| Return on Equity (ROE) | 13.4176% | 940 |
| Retained earnings to average equity (ytd only) | 7.1025% | 1,842 |
| Net charge-offs to loans | 0.0179% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 736 |
| Efficiency ratio | 85.7872% | 994 |
| Assets per employee ($millions) | 3.4567% | 4,874 |
| Cash dividends to net income (ytd only)* | 47.0662% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,931 |
| Loan loss allowance to noncurrent loans | 3,118.0000% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,557 |
| Noncurrent loans to loans | 0.0360% | 5,351 |
| Net loans and leases to total assets | 59.3103% | 3,874 |
| Net loans and leases to deposits | 66.5346% | 4,206 |
| Net loans and leases to core deposits | 69.4765% | 4,277 |
| Total domestic deposits to total assets | 89.1420% | 1,024 |
| Equity capital to assets | 10.4694% | 3,539 |
| Core capital (leverage) ratio | 10.5797% | 2,876 |
| Tier 1 risk-based capital ratio | 16.0432% | 2,662 |
| Total risk-based capital ratio | 17.1050% | 2,690 |
| Memoranda: | ||
| Average total assets | $228,166,000 | 2,708 |
| Average earning assets | $214,460,000 | 2,682 |
| Average equity | $23,879,000 | 2,848 |
| Average total loans | $134,128,000 | 2,873 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,627 |
| Cost of funding earning assets | 0.0767% | 6,047 |
| Net interest margin | 4.1028% | 1,409 |
| Noninterest income to average assets | 1.0857% | 999 |
| Noninterest expense to average assets | 3.7913% | 873 |
| Loan and lease loss provision to assets | 0.0446% | 3,437 |
| Net operating income to assets | 1.1102% | 1,878 |
| Return on assets (ROA) | 1.1102% | 1,945 |
| Pretax return on assets | 1.1102% | 2,998 |
| Return on Equity (ROE) | 10.8049% | 1,680 |
| Retained earnings to average equity (ytd only) | 5.0296% | 2,394 |
| Net charge-offs to loans | 0.0477% | 3,251 |
| Credit loss provision to net charge-offs | 169.4915% | 1,592 |
| Earnings coverage of net charge-offs (x) | 43.9322% | 1,090 |
| Efficiency ratio | 76.6529% | 2,169 |
| Assets per employee ($millions) | 3.4050% | 4,969 |
| Cash dividends to net income (ytd only)* | 53.4510% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.8541% | 4,216 |
| Net loans and leases to deposits | 63.8196% | 4,479 |
| Net loans and leases to core deposits | 66.8725% | 4,520 |
| Total domestic deposits to total assets | 89.0857% | 1,076 |
| Equity capital to assets | 10.4617% | 3,403 |
| Core capital (leverage) ratio | 10.3739% | 3,083 |
| Tier 1 risk-based capital ratio | 16.6057% | 2,421 |
| Total risk-based capital ratio | 17.7286% | 2,452 |
| Memoranda: | ||
| Average total assets | $224,461,000 | 2,709 |
| Average earning assets | $211,196,200 | 2,665 |
| Average equity | $23,063,600 | 2,873 |
| Average total loans | $123,630,000 | 2,998 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,235 |
| Cost of funding earning assets | 0.0777% | 6,130 |
| Net interest margin | 3.9481% | 1,880 |
| Noninterest income to average assets | 1.1759% | 872 |
| Noninterest expense to average assets | 3.7897% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1016% | 1,994 |
| Return on assets (ROA) | 1.1022% | 2,074 |
| Pretax return on assets | 1.1022% | 3,224 |
| Return on Equity (ROE) | 10.7760% | 1,792 |
| Retained earnings to average equity (ytd only) | 7.8656% | 1,297 |
| Net charge-offs to loans | 0.0065% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 308.9925% | 236 |
| Efficiency ratio | 77.4781% | 2,023 |
| Assets per employee ($millions) | 3.4644% | 4,861 |
| Cash dividends to net income (ytd only)* | 27.0080% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 3,564 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 5,732 |
| Noncurrent loans to loans | 0.0304% | 5,500 |
| Net loans and leases to total assets | 54.0417% | 4,563 |
| Net loans and leases to deposits | 60.6778% | 4,807 |
| Net loans and leases to core deposits | 63.9609% | 4,818 |
| Total domestic deposits to total assets | 89.0633% | 1,003 |
| Equity capital to assets | 10.4783% | 3,624 |
| Core capital (leverage) ratio | 10.5778% | 2,951 |
| Tier 1 risk-based capital ratio | 17.7174% | 2,111 |
| Total risk-based capital ratio | 18.8716% | 2,111 |
| Memoranda: | ||
| Average total assets | $224,393,000 | 2,731 |
| Average earning assets | $211,170,000 | 2,687 |
| Average equity | $22,951,750 | 2,903 |
| Average total loans | $122,203,750 | 3,040 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,306 |
| Cost of funding earning assets | 0.0792% | 6,200 |
| Net interest margin | 3.9174% | 1,922 |
| Noninterest income to average assets | 0.8844% | 1,492 |
| Noninterest expense to average assets | 3.8157% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7526% | 3,633 |
| Return on assets (ROA) | 0.7535% | 3,726 |
| Pretax return on assets | 0.7535% | 4,480 |
| Return on Equity (ROE) | 7.4284% | 3,357 |
| Retained earnings to average equity (ytd only) | 5.4563% | 2,564 |
| Net charge-offs to loans | 0.0066% | 3,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 209.7500% | 336 |
| Efficiency ratio | 83.5264% | 1,311 |
| Assets per employee ($millions) | 3.2170% | 5,314 |
| Cash dividends to net income (ytd only)* | 26.5476% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 3,538 |
| Loan loss allowance to noncurrent loans | 76,050.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,922 |
| Noncurrent loans to loans | 0.0016% | 5,776 |
| Net loans and leases to total assets | 54.4244% | 4,513 |
| Net loans and leases to deposits | 61.0067% | 4,779 |
| Net loans and leases to core deposits | 64.4045% | 4,782 |
| Total domestic deposits to total assets | 89.2104% | 1,045 |
| Equity capital to assets | 10.3602% | 3,603 |
| Core capital (leverage) ratio | 10.4843% | 2,983 |
| Tier 1 risk-based capital ratio | 17.9647% | 2,069 |
| Total risk-based capital ratio | 19.1739% | 2,041 |
| Memoranda: | ||
| Average total assets | $222,973,000 | 2,769 |
| Average earning assets | $209,677,330 | 2,712 |
| Average equity | $22,616,000 | 2,944 |
| Average total loans | $121,242,330 | 3,068 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,248 |
| Cost of funding earning assets | 0.0836% | 6,255 |
| Net interest margin | 3.9112% | 1,857 |
| Noninterest income to average assets | 0.8287% | 1,605 |
| Noninterest expense to average assets | 3.8501% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6623% | 3,994 |
| Return on assets (ROA) | 0.6641% | 4,107 |
| Pretax return on assets | 0.6641% | 4,715 |
| Return on Equity (ROE) | 6.6175% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.6175% | 2,182 |
| Net charge-offs to loans | 0.0365% | 2,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 33.6364% | 1,078 |
| Efficiency ratio | 85.3233% | 1,241 |
| Assets per employee ($millions) | 3.2090% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,636 |
| Loan loss allowance to noncurrent loans | 983.1169% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 5,658 |
| Noncurrent loans to loans | 0.1281% | 5,313 |
| Net loans and leases to total assets | 52.8449% | 4,575 |
| Net loans and leases to deposits | 59.0432% | 4,826 |
| Net loans and leases to core deposits | 62.1522% | 4,829 |
| Total domestic deposits to total assets | 89.5020% | 992 |
| Equity capital to assets | 10.1267% | 3,976 |
| Core capital (leverage) ratio | 10.3309% | 3,186 |
| Tier 1 risk-based capital ratio | 17.8119% | 2,193 |
| Total risk-based capital ratio | 19.0182% | 2,176 |
| Memoranda: | ||
| Average total assets | $223,472,500 | 2,776 |
| Average earning assets | $210,472,500 | 2,725 |
| Average equity | $22,425,500 | 2,980 |
| Average total loans | $120,699,000 | 3,089 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 2,901 |
| Cost of funding earning assets | 0.0903% | 6,354 |
| Net interest margin | 4.1255% | 1,501 |
| Noninterest income to average assets | 1.0311% | 1,151 |
| Noninterest expense to average assets | 3.7103% | 1,127 |
| Loan and lease loss provision to assets | 0.0080% | 4,465 |
| Net operating income to assets | 1.1393% | 1,819 |
| Return on assets (ROA) | 1.1389% | 1,888 |
| Pretax return on assets | 1.1389% | 2,933 |
| Return on Equity (ROE) | 11.5050% | 1,555 |
| Retained earnings to average equity (ytd only) | -4.7127% | 6,168 |
| Net charge-offs to loans | 0.0217% | 4,407 |
| Credit loss provision to net charge-offs | 66.6667% | 3,140 |
| Earnings coverage of net charge-offs (x) | 95.3704% | 548 |
| Efficiency ratio | 76.3805% | 2,453 |
| Assets per employee ($millions) | 3.2219% | 5,406 |
| Cash dividends to net income (ytd only)* | 140.9624% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 3,678 |
| Loan loss allowance to noncurrent loans | 782.0513% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 5,680 |
| Noncurrent loans to loans | 0.1609% | 5,251 |
| Net loans and leases to total assets | 53.8217% | 4,604 |
| Net loans and leases to deposits | 60.0226% | 4,899 |
| Net loans and leases to core deposits | 63.1366% | 4,906 |
| Total domestic deposits to total assets | 89.6690% | 888 |
| Equity capital to assets | 9.9423% | 4,186 |
| Core capital (leverage) ratio | 10.1944% | 3,315 |
| Tier 1 risk-based capital ratio | 17.9427% | 2,156 |
| Total risk-based capital ratio | 19.1859% | 2,126 |
| Memoranda: | ||
| Average total assets | $224,427,400 | 2,740 |
| Average earning assets | $208,169,400 | 2,726 |
| Average equity | $22,216,400 | 2,926 |
| Average total loans | $124,565,000 | 2,963 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,720 |
| Cost of funding earning assets | 0.0917% | 6,438 |
| Net interest margin | 4.1863% | 1,327 |
| Noninterest income to average assets | 0.9981% | 1,232 |
| Noninterest expense to average assets | 3.5526% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3128% | 1,335 |
| Return on assets (ROA) | 1.3128% | 1,390 |
| Pretax return on assets | 1.3128% | 2,325 |
| Return on Equity (ROE) | 13.2762% | 1,141 |
| Retained earnings to average equity (ytd only) | 0.6713% | 5,603 |
| Net charge-offs to loans | 0.0234% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 100.6908% | 584 |
| Efficiency ratio | 73.0174% | 2,993 |
| Assets per employee ($millions) | 3.1894% | 5,451 |
| Cash dividends to net income (ytd only)* | 94.9436% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 4,491 |
| Loan loss allowance to noncurrent loans | 795.7895% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 5,751 |
| Noncurrent loans to loans | 0.1447% | 5,482 |
| Net loans and leases to total assets | 56.5051% | 4,266 |
| Net loans and leases to deposits | 62.9770% | 4,645 |
| Net loans and leases to core deposits | 66.4213% | 4,666 |
| Total domestic deposits to total assets | 89.7233% | 863 |
| Equity capital to assets | 9.8756% | 4,325 |
| Core capital (leverage) ratio | 10.4094% | 3,148 |
| Tier 1 risk-based capital ratio | 16.7837% | 2,695 |
| Total risk-based capital ratio | 17.8810% | 2,712 |
| Memoranda: | ||
| Average total assets | $224,956,250 | 2,759 |
| Average earning assets | $207,815,500 | 2,745 |
| Average equity | $22,244,750 | 2,929 |
| Average total loans | $125,412,000 | 2,968 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 2,870 |
| Cost of funding earning assets | 0.0921% | 6,502 |
| Net interest margin | 4.1311% | 1,422 |
| Noninterest income to average assets | 0.9785% | 1,261 |
| Noninterest expense to average assets | 3.5112% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2829% | 1,361 |
| Return on assets (ROA) | 1.2829% | 1,415 |
| Pretax return on assets | 1.2829% | 2,325 |
| Return on Equity (ROE) | 12.9681% | 1,184 |
| Retained earnings to average equity (ytd only) | -1.4660% | 5,924 |
| Net charge-offs to loans | 0.0081% | 4,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 286.6000% | 236 |
| Efficiency ratio | 73.2400% | 3,114 |
| Assets per employee ($millions) | 3.0786% | 5,632 |
| Cash dividends to net income (ytd only)* | 111.3050% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 4,504 |
| Loan loss allowance to noncurrent loans | 731.5789% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 5,682 |
| Noncurrent loans to loans | 0.1617% | 5,526 |
| Net loans and leases to total assets | 56.0636% | 4,274 |
| Net loans and leases to deposits | 62.5076% | 4,639 |
| Net loans and leases to core deposits | 65.2954% | 4,704 |
| Total domestic deposits to total assets | 89.6909% | 974 |
| Equity capital to assets | 9.9386% | 4,193 |
| Core capital (leverage) ratio | 10.4199% | 3,064 |
| Tier 1 risk-based capital ratio | 17.0122% | 2,613 |
| Total risk-based capital ratio | 18.1499% | 2,633 |
| Memoranda: | ||
| Average total assets | $223,396,330 | 2,786 |
| Average earning assets | $206,336,670 | 2,769 |
| Average equity | $22,100,330 | 2,936 |
| Average total loans | $123,460,000 | 3,000 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 2,916 |
| Cost of funding earning assets | 0.0960% | 6,573 |
| Net interest margin | 4.0932% | 1,472 |
| Noninterest income to average assets | 0.9440% | 1,275 |
| Noninterest expense to average assets | 3.4830% | 1,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2406% | 1,370 |
| Return on assets (ROA) | 1.2406% | 1,427 |
| Pretax return on assets | 1.2406% | 2,314 |
| Return on Equity (ROE) | 12.5701% | 1,270 |
| Retained earnings to average equity (ytd only) | -12.2037% | 6,422 |
| Net charge-offs to loans | -0.0166% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7366% | 3,196 |
| Assets per employee ($millions) | 3.1958% | 5,530 |
| Cash dividends to net income (ytd only)* | 197.0845% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,407 |
| Loan loss allowance to noncurrent loans | 677.9736% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 4,946 |
| Noncurrent loans to loans | 0.1836% | 5,544 |
| Net loans and leases to total assets | 54.5698% | 4,339 |
| Net loans and leases to deposits | 60.6336% | 4,696 |
| Net loans and leases to core deposits | 63.5462% | 4,730 |
| Total domestic deposits to total assets | 89.9994% | 1,074 |
| Equity capital to assets | 9.6564% | 4,286 |
| Core capital (leverage) ratio | 10.5229% | 2,900 |
| Tier 1 risk-based capital ratio | 17.1429% | 2,624 |
| Total risk-based capital ratio | 18.3221% | 2,609 |
| Memoranda: | ||
| Average total assets | $221,185,500 | 2,820 |
| Average earning assets | $204,239,500 | 2,807 |
| Average equity | $21,829,500 | 2,960 |
| Average total loans | $120,564,000 | 3,062 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 3,325 |
| Cost of funding earning assets | 0.1257% | 6,617 |
| Net interest margin | 4.0808% | 1,701 |
| Noninterest income to average assets | 0.8693% | 1,789 |
| Noninterest expense to average assets | 3.6886% | 1,300 |
| Loan and lease loss provision to assets | 0.0023% | 5,065 |
| Net operating income to assets | 0.9263% | 2,659 |
| Return on assets (ROA) | 0.9314% | 2,718 |
| Pretax return on assets | 0.9314% | 3,633 |
| Return on Equity (ROE) | 9.0297% | 2,518 |
| Retained earnings to average equity (ytd only) | 4.1216% | 3,239 |
| Net charge-offs to loans | 0.0833% | 4,046 |
| Credit loss provision to net charge-offs | 5.3191% | 4,643 |
| Earnings coverage of net charge-offs (x) | 21.3085% | 1,500 |
| Efficiency ratio | 79.8875% | 2,166 |
| Assets per employee ($millions) | 3.1238% | 5,628 |
| Cash dividends to net income (ytd only)* | 54.3554% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,117 |
| Loan loss allowance to noncurrent loans | 628.6885% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 4,833 |
| Noncurrent loans to loans | 0.2076% | 5,563 |
| Net loans and leases to total assets | 53.0396% | 4,718 |
| Net loans and leases to deposits | 59.2280% | 5,013 |
| Net loans and leases to core deposits | 62.4927% | 5,018 |
| Total domestic deposits to total assets | 89.5516% | 1,299 |
| Equity capital to assets | 10.0871% | 3,650 |
| Core capital (leverage) ratio | 10.8326% | 2,543 |
| Tier 1 risk-based capital ratio | 18.3546% | 2,131 |
| Total risk-based capital ratio | 19.5775% | 2,096 |
| Memoranda: | ||
| Average total assets | $215,689,000 | 2,853 |
| Average earning assets | $198,098,000 | 2,849 |
| Average equity | $22,248,800 | 2,898 |
| Average total loans | $112,778,400 | 3,191 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 3,373 |
| Cost of funding earning assets | 0.1333% | 6,691 |
| Net interest margin | 4.0727% | 1,716 |
| Noninterest income to average assets | 0.8560% | 1,911 |
| Noninterest expense to average assets | 3.7416% | 1,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8492% | 3,101 |
| Return on assets (ROA) | 0.8566% | 3,176 |
| Pretax return on assets | 0.8566% | 4,066 |
| Return on Equity (ROE) | 8.2581% | 2,997 |
| Retained earnings to average equity (ytd only) | 1.7281% | 5,277 |
| Net charge-offs to loans | 0.0980% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.6952% | 1,784 |
| Efficiency ratio | 81.5025% | 1,898 |
| Assets per employee ($millions) | 2.9522% | 5,920 |
| Cash dividends to net income (ytd only)* | 79.0728% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 4,241 |
| Loan loss allowance to noncurrent loans | 262.2449% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 4,022 |
| Noncurrent loans to loans | 0.5072% | 4,928 |
| Net loans and leases to total assets | 54.5759% | 4,521 |
| Net loans and leases to deposits | 60.9684% | 4,867 |
| Net loans and leases to core deposits | 64.3891% | 4,863 |
| Total domestic deposits to total assets | 89.5151% | 1,287 |
| Equity capital to assets | 10.0374% | 3,853 |
| Core capital (leverage) ratio | 10.7733% | 2,699 |
| Tier 1 risk-based capital ratio | 17.7905% | 2,408 |
| Total risk-based capital ratio | 19.0138% | 2,383 |
| Memoranda: | ||
| Average total assets | $214,945,000 | 2,887 |
| Average earning assets | $197,111,500 | 2,884 |
| Average equity | $22,296,750 | 2,928 |
| Average total loans | $111,594,750 | 3,235 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1324% | 3,617 |
| Cost of funding earning assets | 0.1419% | 6,734 |
| Net interest margin | 3.9904% | 1,894 |
| Noninterest income to average assets | 0.8075% | 2,157 |
| Noninterest expense to average assets | 3.6470% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8186% | 3,204 |
| Return on assets (ROA) | 0.8186% | 3,361 |
| Pretax return on assets | 0.8186% | 4,241 |
| Return on Equity (ROE) | 7.8095% | 3,184 |
| Retained earnings to average equity (ytd only) | -1.8049% | 6,166 |
| Net charge-offs to loans | 0.1434% | 2,950 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.2278% | 2,069 |
| Efficiency ratio | 81.6698% | 1,936 |
| Assets per employee ($millions) | 3.0262% | 5,808 |
| Cash dividends to net income (ytd only)* | 123.1116% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 4,247 |
| Loan loss allowance to noncurrent loans | 248.6312% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 4,122 |
| Noncurrent loans to loans | 0.5445% | 4,894 |
| Net loans and leases to total assets | 52.3595% | 4,809 |
| Net loans and leases to deposits | 58.6516% | 5,104 |
| Net loans and leases to core deposits | 62.5370% | 5,053 |
| Total domestic deposits to total assets | 89.2720% | 1,468 |
| Equity capital to assets | 10.3272% | 3,518 |
| Core capital (leverage) ratio | 10.4319% | 2,956 |
| Tier 1 risk-based capital ratio | 17.4217% | 2,545 |
| Total risk-based capital ratio | 18.6476% | 2,526 |
| Memoranda: | ||
| Average total assets | $216,724,330 | 2,883 |
| Average earning assets | $198,675,330 | 2,883 |
| Average equity | $22,716,000 | 2,898 |
| Average total loans | $110,147,330 | 3,271 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0065% | 4,096 |
| Cost of funding earning assets | 0.1559% | 6,781 |
| Net interest margin | 3.8506% | 2,279 |
| Noninterest income to average assets | 0.8784% | 1,834 |
| Noninterest expense to average assets | 3.5505% | 1,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8693% | 2,810 |
| Return on assets (ROA) | 0.8693% | 2,954 |
| Pretax return on assets | 0.8693% | 3,875 |
| Return on Equity (ROE) | 8.2334% | 2,861 |
| Retained earnings to average equity (ytd only) | -7.5720% | 6,502 |
| Net charge-offs to loans | 0.0998% | 2,860 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.5185% | 1,310 |
| Efficiency ratio | 80.3326% | 2,278 |
| Assets per employee ($millions) | 2.9175% | 6,125 |
| Cash dividends to net income (ytd only)* | 191.9662% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 4,027 |
| Loan loss allowance to noncurrent loans | 92.4190% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.5943% | 2,873 |
| Noncurrent loans to loans | 1.5660% | 3,192 |
| Net loans and leases to total assets | 50.3724% | 4,935 |
| Net loans and leases to deposits | 56.5199% | 5,197 |
| Net loans and leases to core deposits | 60.2577% | 5,115 |
| Total domestic deposits to total assets | 89.1233% | 1,610 |
| Equity capital to assets | 10.4687% | 3,572 |
| Core capital (leverage) ratio | 10.2843% | 3,034 |
| Tier 1 risk-based capital ratio | 17.6687% | 2,497 |
| Total risk-based capital ratio | 18.9192% | 2,458 |
| Memoranda: | ||
| Average total assets | $217,657,000 | 2,903 |
| Average earning assets | $200,174,000 | 2,902 |
| Average equity | $22,979,500 | 2,925 |
| Average total loans | $108,199,500 | 3,329 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 5,131 |
| Cost of funding earning assets | 0.2165% | 6,788 |
| Net interest margin | 3.8374% | 3,073 |
| Noninterest income to average assets | 0.7406% | 2,541 |
| Noninterest expense to average assets | 3.5584% | 1,703 |
| Loan and lease loss provision to assets | 0.0047% | 5,866 |
| Net operating income to assets | 0.7175% | 3,655 |
| Return on assets (ROA) | 0.7194% | 3,899 |
| Pretax return on assets | 0.7194% | 4,598 |
| Return on Equity (ROE) | 6.6409% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.1554% | 2,603 |
| Net charge-offs to loans | 0.0892% | 4,786 |
| Credit loss provision to net charge-offs | 10.5263% | 5,392 |
| Earnings coverage of net charge-offs (x) | 16.0632% | 1,604 |
| Efficiency ratio | 83.1288% | 1,728 |
| Assets per employee ($millions) | 2.9652% | 6,068 |
| Cash dividends to net income (ytd only)* | 22.3684% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,615 |
| Loan loss allowance to noncurrent loans | 89.1269% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2779% | 3,515 |
| Noncurrent loans to loans | 1.7171% | 3,036 |
| Net loans and leases to total assets | 47.5928% | 5,454 |
| Net loans and leases to deposits | 53.4530% | 5,698 |
| Net loans and leases to core deposits | 56.8965% | 5,639 |
| Total domestic deposits to total assets | 89.0367% | 1,538 |
| Equity capital to assets | 10.6452% | 3,341 |
| Core capital (leverage) ratio | 10.6046% | 2,648 |
| Tier 1 risk-based capital ratio | 18.9505% | 1,972 |
| Total risk-based capital ratio | 20.2023% | 1,939 |
| Memoranda: | ||
| Average total assets | $211,301,200 | 2,910 |
| Average earning assets | $194,923,200 | 2,898 |
| Average equity | $22,888,600 | 2,863 |
| Average total loans | $106,560,000 | 3,365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 5,168 |
| Cost of funding earning assets | 0.2300% | 6,874 |
| Net interest margin | 3.8756% | 3,005 |
| Noninterest income to average assets | 0.7123% | 2,648 |
| Noninterest expense to average assets | 3.5768% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7110% | 3,870 |
| Return on assets (ROA) | 0.7110% | 4,104 |
| Pretax return on assets | 0.7110% | 4,823 |
| Return on Equity (ROE) | 6.5344% | 4,046 |
| Retained earnings to average equity (ytd only) | 4.5436% | 3,701 |
| Net charge-offs to loans | 0.0950% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 14.6843% | 1,821 |
| Efficiency ratio | 83.4175% | 1,651 |
| Assets per employee ($millions) | 2.8291% | 6,321 |
| Cash dividends to net income (ytd only)* | 30.4659% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 3,657 |
| Loan loss allowance to noncurrent loans | 62.3282% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.1758% | 2,461 |
| Noncurrent loans to loans | 2.5169% | 2,272 |
| Net loans and leases to total assets | 48.9439% | 5,440 |
| Net loans and leases to deposits | 55.2238% | 5,698 |
| Net loans and leases to core deposits | 59.0243% | 5,656 |
| Total domestic deposits to total assets | 88.6282% | 1,641 |
| Equity capital to assets | 10.9452% | 3,333 |
| Core capital (leverage) ratio | 10.7965% | 2,604 |
| Tier 1 risk-based capital ratio | 18.9957% | 2,015 |
| Total risk-based capital ratio | 20.2476% | 1,981 |
| Memoranda: | ||
| Average total assets | $209,271,000 | 2,968 |
| Average earning assets | $193,068,000 | 2,951 |
| Average equity | $22,771,250 | 2,901 |
| Average total loans | $106,687,000 | 3,399 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 5,194 |
| Cost of funding earning assets | 0.2447% | 6,931 |
| Net interest margin | 3.8860% | 2,970 |
| Noninterest income to average assets | 0.7685% | 2,339 |
| Noninterest expense to average assets | 3.6121% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7389% | 3,651 |
| Return on assets (ROA) | 0.7389% | 3,929 |
| Pretax return on assets | 0.7389% | 4,710 |
| Return on Equity (ROE) | 6.8035% | 3,881 |
| Retained earnings to average equity (ytd only) | 4.8848% | 3,340 |
| Net charge-offs to loans | 0.1190% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.0781% | 1,910 |
| Efficiency ratio | 83.0185% | 1,744 |
| Assets per employee ($millions) | 2.6865% | 6,546 |
| Cash dividends to net income (ytd only)* | 28.2018% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 3,598 |
| Loan loss allowance to noncurrent loans | 51.1671% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.2456% | 2,492 |
| Noncurrent loans to loans | 3.1317% | 1,868 |
| Net loans and leases to total assets | 49.4431% | 5,428 |
| Net loans and leases to deposits | 55.9782% | 5,646 |
| Net loans and leases to core deposits | 59.7615% | 5,613 |
| Total domestic deposits to total assets | 88.3258% | 1,943 |
| Equity capital to assets | 11.2898% | 2,801 |
| Core capital (leverage) ratio | 10.7652% | 2,520 |
| Tier 1 risk-based capital ratio | 19.3447% | 1,890 |
| Total risk-based capital ratio | 20.5972% | 1,859 |
| Memoranda: | ||
| Average total assets | $209,244,000 | 2,975 |
| Average earning assets | $192,898,330 | 2,961 |
| Average equity | $22,723,670 | 2,884 |
| Average total loans | $107,550,000 | 3,388 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1063% | 5,432 |
| Cost of funding earning assets | 0.2645% | 6,965 |
| Net interest margin | 3.8418% | 3,176 |
| Noninterest income to average assets | 0.7782% | 2,263 |
| Noninterest expense to average assets | 3.5641% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7536% | 3,604 |
| Return on assets (ROA) | 0.7536% | 3,843 |
| Pretax return on assets | 0.7536% | 4,593 |
| Return on Equity (ROE) | 7.0745% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.1418% | 3,475 |
| Net charge-offs to loans | 0.0763% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,240 |
| Efficiency ratio | 82.5459% | 1,868 |
| Assets per employee ($millions) | 2.8432% | 6,445 |
| Cash dividends to net income (ytd only)* | 27.3183% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 3,915 |
| Loan loss allowance to noncurrent loans | 31.6154% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 2.6717% | 2,211 |
| Noncurrent loans to loans | 4.9174% | 1,150 |
| Net loans and leases to total assets | 50.7738% | 5,193 |
| Net loans and leases to deposits | 57.1416% | 5,471 |
| Net loans and leases to core deposits | 61.1424% | 5,416 |
| Total domestic deposits to total assets | 88.8561% | 1,786 |
| Equity capital to assets | 10.7584% | 3,198 |
| Core capital (leverage) ratio | 10.4150% | 2,856 |
| Tier 1 risk-based capital ratio | 18.0324% | 2,278 |
| Total risk-based capital ratio | 19.2848% | 2,247 |
| Memoranda: | ||
| Average total assets | $211,778,000 | 2,970 |
| Average earning assets | $195,115,000 | 2,964 |
| Average equity | $22,560,000 | 2,902 |
| Average total loans | $110,027,500 | 3,353 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2161% | 6,009 |
| Cost of funding earning assets | 0.3766% | 6,951 |
| Net interest margin | 3.8395% | 3,628 |
| Noninterest income to average assets | 0.7133% | 2,530 |
| Noninterest expense to average assets | 3.9436% | 1,124 |
| Loan and lease loss provision to assets | 0.1768% | 4,422 |
| Net operating income to assets | 0.1231% | 5,809 |
| Return on assets (ROA) | 0.1231% | 5,932 |
| Pretax return on assets | 0.1231% | 5,934 |
| Return on Equity (ROE) | 1.1328% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.8383% | 5,473 |
| Net charge-offs to loans | 0.0686% | 5,625 |
| Credit loss provision to net charge-offs | 485.1351% | 467 |
| Earnings coverage of net charge-offs (x) | 8.2297% | 2,183 |
| Efficiency ratio | 92.9309% | 987 |
| Assets per employee ($millions) | 2.8806% | 6,317 |
| Cash dividends to net income (ytd only)* | 26.0000% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 3,878 |
| Loan loss allowance to noncurrent loans | 37.2113% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2870% | 2,639 |
| Noncurrent loans to loans | 4.1150% | 1,503 |
| Net loans and leases to total assets | 51.5265% | 5,384 |
| Net loans and leases to deposits | 57.8362% | 5,710 |
| Net loans and leases to core deposits | 62.0008% | 5,648 |
| Total domestic deposits to total assets | 89.0905% | 1,482 |
| Equity capital to assets | 10.5483% | 3,478 |
| Core capital (leverage) ratio | 10.0178% | 3,316 |
| Tier 1 risk-based capital ratio | 17.6278% | 2,330 |
| Total risk-based capital ratio | 18.8802% | 2,295 |
| Memoranda: | ||
| Average total assets | $203,011,800 | 3,023 |
| Average earning assets | $186,664,200 | 3,008 |
| Average equity | $22,069,200 | 2,884 |
| Average total loans | $107,927,000 | 3,431 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 6,089 |
| Cost of funding earning assets | 0.3988% | 7,021 |
| Net interest margin | 3.8484% | 3,624 |
| Noninterest income to average assets | 0.7183% | 2,485 |
| Noninterest expense to average assets | 4.1201% | 871 |
| Loan and lease loss provision to assets | 0.2328% | 3,683 |
| Net operating income to assets | -0.0984% | 6,284 |
| Return on assets (ROA) | -0.0984% | 6,369 |
| Pretax return on assets | -0.0984% | 6,334 |
| Return on Equity (ROE) | -0.8984% | 6,368 |
| Retained earnings to average equity (ytd only) | -1.2929% | 6,200 |
| Net charge-offs to loans | 0.0909% | 5,062 |
| Credit loss provision to net charge-offs | 479.4521% | 582 |
| Earnings coverage of net charge-offs (x) | 2.7672% | 3,747 |
| Efficiency ratio | 96.8423% | 777 |
| Assets per employee ($millions) | 2.8427% | 6,416 |
| Cash dividends to net income (ytd only)* | -43.9163% | 7,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,827 |
| Loan loss allowance to noncurrent loans | 35.4758% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 2.3813% | 2,698 |
| Noncurrent loans to loans | 4.4100% | 1,473 |
| Net loans and leases to total assets | 50.1689% | 5,683 |
| Net loans and leases to deposits | 56.2800% | 6,005 |
| Net loans and leases to core deposits | 60.3799% | 5,957 |
| Total domestic deposits to total assets | 89.1415% | 1,339 |
| Equity capital to assets | 10.4458% | 3,774 |
| Core capital (leverage) ratio | 10.4308% | 2,957 |
| Tier 1 risk-based capital ratio | 17.5606% | 2,417 |
| Total risk-based capital ratio | 18.8133% | 2,392 |
| Memoranda: | ||
| Average total assets | $200,474,250 | 3,070 |
| Average earning assets | $184,208,500 | 3,047 |
| Average equity | $21,965,250 | 2,893 |
| Average total loans | $107,023,000 | 3,485 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 6,026 |
| Cost of funding earning assets | 0.4259% | 7,074 |
| Net interest margin | 3.8739% | 3,419 |
| Noninterest income to average assets | 0.7573% | 2,227 |
| Noninterest expense to average assets | 4.5447% | 566 |
| Loan and lease loss provision to assets | 0.3058% | 2,967 |
| Net operating income to assets | -0.5422% | 6,726 |
| Return on assets (ROA) | -0.5422% | 6,745 |
| Pretax return on assets | -0.5422% | 6,683 |
| Return on Equity (ROE) | -4.8666% | 6,704 |
| Retained earnings to average equity (ytd only) | -5.4612% | 6,603 |
| Net charge-offs to loans | 0.1296% | 4,441 |
| Credit loss provision to net charge-offs | 434.7826% | 693 |
| Earnings coverage of net charge-offs (x) | -3.3623% | 5,764 |
| Efficiency ratio | 105.4885% | 572 |
| Assets per employee ($millions) | 2.7232% | 6,608 |
| Cash dividends to net income (ytd only)* | -12.2180% | 7,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,789 |
| Loan loss allowance to noncurrent loans | 36.7474% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.6243% | 2,539 |
| Noncurrent loans to loans | 4.2958% | 1,570 |
| Net loans and leases to total assets | 51.8735% | 5,584 |
| Net loans and leases to deposits | 58.5005% | 5,879 |
| Net loans and leases to core deposits | 62.8155% | 5,825 |
| Total domestic deposits to total assets | 88.6719% | 1,736 |
| Equity capital to assets | 10.9011% | 3,063 |
| Core capital (leverage) ratio | 10.4288% | 2,787 |
| Tier 1 risk-based capital ratio | 17.5106% | 2,337 |
| Total risk-based capital ratio | 18.7627% | 2,304 |
| Memoranda: | ||
| Average total assets | $196,230,330 | 3,132 |
| Average earning assets | $179,868,330 | 3,136 |
| Average equity | $21,863,330 | 2,894 |
| Average total loans | $106,476,330 | 3,534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 6,163 |
| Cost of funding earning assets | 0.4426% | 7,130 |
| Net interest margin | 3.8013% | 3,610 |
| Noninterest income to average assets | 0.7715% | 2,146 |
| Noninterest expense to average assets | 3.8062% | 1,331 |
| Loan and lease loss provision to assets | 0.4104% | 2,139 |
| Net operating income to assets | 0.0267% | 6,288 |
| Return on assets (ROA) | 0.0267% | 6,323 |
| Pretax return on assets | 0.0267% | 6,310 |
| Return on Equity (ROE) | 0.2368% | 6,333 |
| Retained earnings to average equity (ytd only) | -0.9472% | 5,975 |
| Net charge-offs to loans | 0.0261% | 4,723 |
| Credit loss provision to net charge-offs | 2,857.1429% | 139 |
| Earnings coverage of net charge-offs (x) | 30.4286% | 823 |
| Efficiency ratio | 89.7002% | 1,359 |
| Assets per employee ($millions) | 2.6472% | 6,773 |
| Cash dividends to net income (ytd only)* | 500.0000% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,302 |
| Loan loss allowance to noncurrent loans | 46.7999% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.5591% | 2,669 |
| Noncurrent loans to loans | 3.1621% | 2,378 |
| Net loans and leases to total assets | 54.9208% | 5,175 |
| Net loans and leases to deposits | 62.1893% | 5,471 |
| Net loans and leases to core deposits | 66.7231% | 5,437 |
| Total domestic deposits to total assets | 88.3124% | 2,185 |
| Equity capital to assets | 11.2435% | 2,466 |
| Core capital (leverage) ratio | 10.9527% | 2,233 |
| Tier 1 risk-based capital ratio | 17.3491% | 2,356 |
| Total risk-based capital ratio | 18.6004% | 2,331 |
| Memoranda: | ||
| Average total assets | $194,947,000 | 3,175 |
| Average earning assets | $178,046,000 | 3,184 |
| Average equity | $21,959,500 | 2,870 |
| Average total loans | $107,326,000 | 3,551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 6,389 |
| Cost of funding earning assets | 0.6353% | 7,045 |
| Net interest margin | 3.8713% | 3,632 |
| Noninterest income to average assets | 0.7998% | 2,288 |
| Noninterest expense to average assets | 3.7507% | 1,587 |
| Loan and lease loss provision to assets | 0.4343% | 3,516 |
| Net operating income to assets | 0.1151% | 5,551 |
| Return on assets (ROA) | 0.1151% | 5,688 |
| Pretax return on assets | 0.1151% | 5,674 |
| Return on Equity (ROE) | 0.9843% | 5,699 |
| Retained earnings to average equity (ytd only) | -0.8658% | 5,780 |
| Net charge-offs to loans | 0.6855% | 2,954 |
| Credit loss provision to net charge-offs | 120.2065% | 3,514 |
| Earnings coverage of net charge-offs (x) | 1.5206% | 4,610 |
| Efficiency ratio | 87.2243% | 1,547 |
| Assets per employee ($millions) | 2.6576% | 6,756 |
| Cash dividends to net income (ytd only)* | 187.9630% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 4,749 |
| Loan loss allowance to noncurrent loans | 95.8249% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.5696% | 3,950 |
| Noncurrent loans to loans | 1.4082% | 4,370 |
| Net loans and leases to total assets | 53.6219% | 5,687 |
| Net loans and leases to deposits | 60.7353% | 5,976 |
| Net loans and leases to core deposits | 65.0325% | 5,976 |
| Total domestic deposits to total assets | 88.2878% | 2,073 |
| Equity capital to assets | 11.2854% | 2,423 |
| Core capital (leverage) ratio | 11.0673% | 2,110 |
| Tier 1 risk-based capital ratio | 17.5847% | 2,139 |
| Total risk-based capital ratio | 18.7902% | 2,123 |
| Memoranda: | ||
| Average total assets | $187,669,600 | 3,260 |
| Average earning assets | $169,683,000 | 3,287 |
| Average equity | $21,945,600 | 2,882 |
| Average total loans | $98,899,600 | 3,829 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 6,589 |
| Cost of funding earning assets | 0.6783% | 7,113 |
| Net interest margin | 3.8293% | 3,846 |
| Noninterest income to average assets | 0.8390% | 2,033 |
| Noninterest expense to average assets | 3.8017% | 1,372 |
| Loan and lease loss provision to assets | 0.5374% | 2,788 |
| Net operating income to assets | -0.0459% | 6,090 |
| Return on assets (ROA) | -0.0459% | 6,204 |
| Pretax return on assets | -0.0459% | 6,164 |
| Return on Equity (ROE) | -0.3886% | 6,197 |
| Retained earnings to average equity (ytd only) | -2.8538% | 6,331 |
| Net charge-offs to loans | 0.9294% | 2,136 |
| Credit loss provision to net charge-offs | 110.6195% | 3,827 |
| Earnings coverage of net charge-offs (x) | 1.0118% | 5,049 |
| Efficiency ratio | 88.5514% | 1,406 |
| Assets per employee ($millions) | 2.5553% | 7,006 |
| Cash dividends to net income (ytd only)* | -634.3842% | 7,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,650 |
| Loan loss allowance to noncurrent loans | 85.5703% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6828% | 3,919 |
| Noncurrent loans to loans | 1.5929% | 4,253 |
| Net loans and leases to total assets | 51.9686% | 6,108 |
| Net loans and leases to deposits | 59.2006% | 6,373 |
| Net loans and leases to core deposits | 63.8320% | 6,310 |
| Total domestic deposits to total assets | 87.7839% | 2,106 |
| Equity capital to assets | 11.6687% | 2,384 |
| Core capital (leverage) ratio | 11.0273% | 2,237 |
| Tier 1 risk-based capital ratio | 17.9005% | 2,051 |
| Total risk-based capital ratio | 19.0894% | 2,033 |
| Memoranda: | ||
| Average total assets | $186,086,250 | 3,330 |
| Average earning assets | $167,857,250 | 3,365 |
| Average equity | $21,958,500 | 2,920 |
| Average total loans | $97,261,750 | 3,939 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 6,582 |
| Cost of funding earning assets | 0.7183% | 7,154 |
| Net interest margin | 3.8359% | 3,732 |
| Noninterest income to average assets | 0.8634% | 1,823 |
| Noninterest expense to average assets | 3.8610% | 1,245 |
| Loan and lease loss provision to assets | 0.4322% | 3,156 |
| Net operating income to assets | 0.0270% | 6,045 |
| Return on assets (ROA) | 0.0270% | 6,139 |
| Pretax return on assets | 0.0270% | 6,108 |
| Return on Equity (ROE) | 0.2281% | 6,144 |
| Retained earnings to average equity (ytd only) | -3.4758% | 6,361 |
| Net charge-offs to loans | 0.4519% | 3,178 |
| Credit loss provision to net charge-offs | 183.4862% | 2,148 |
| Earnings coverage of net charge-offs (x) | 1.9495% | 4,057 |
| Efficiency ratio | 89.3697% | 1,384 |
| Assets per employee ($millions) | 2.5046% | 7,093 |
| Cash dividends to net income (ytd only)* | 1,624.0000% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 3,803 |
| Loan loss allowance to noncurrent loans | 44.5118% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 1.9985% | 3,501 |
| Noncurrent loans to loans | 3.4228% | 2,322 |
| Net loans and leases to total assets | 50.5129% | 6,377 |
| Net loans and leases to deposits | 57.5332% | 6,613 |
| Net loans and leases to core deposits | 62.1783% | 6,534 |
| Total domestic deposits to total assets | 87.7979% | 2,106 |
| Equity capital to assets | 11.6894% | 2,289 |
| Core capital (leverage) ratio | 11.3130% | 2,029 |
| Tier 1 risk-based capital ratio | 18.2797% | 1,876 |
| Total risk-based capital ratio | 19.5303% | 1,850 |
| Memoranda: | ||
| Average total assets | $185,083,330 | 3,369 |
| Average earning assets | $166,790,670 | 3,394 |
| Average equity | $21,923,000 | 2,927 |
| Average total loans | $96,473,000 | 4,003 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 6,754 |
| Cost of funding earning assets | 0.7618% | 7,199 |
| Net interest margin | 3.7560% | 3,976 |
| Noninterest income to average assets | 0.8318% | 1,878 |
| Noninterest expense to average assets | 3.8998% | 1,168 |
| Loan and lease loss provision to assets | 0.5444% | 2,325 |
| Net operating income to assets | -0.2308% | 6,581 |
| Return on assets (ROA) | -0.2308% | 6,650 |
| Pretax return on assets | -0.2308% | 6,581 |
| Return on Equity (ROE) | -1.9356% | 6,631 |
| Retained earnings to average equity (ytd only) | -9.3493% | 6,924 |
| Net charge-offs to loans | 0.6671% | 2,156 |
| Credit loss provision to net charge-offs | 155.2795% | 2,305 |
| Earnings coverage of net charge-offs (x) | 0.8944% | 4,248 |
| Efficiency ratio | 92.5581% | 1,242 |
| Assets per employee ($millions) | 2.4606% | 7,253 |
| Cash dividends to net income (ytd only)* | -383.0189% | 7,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,416 |
| Loan loss allowance to noncurrent loans | 38.1415% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 2.2005% | 3,275 |
| Noncurrent loans to loans | 3.6703% | 2,167 |
| Net loans and leases to total assets | 52.4779% | 6,216 |
| Net loans and leases to deposits | 59.7751% | 6,489 |
| Net loans and leases to core deposits | 64.8961% | 6,387 |
| Total domestic deposits to total assets | 87.7923% | 2,183 |
| Equity capital to assets | 11.7162% | 2,216 |
| Core capital (leverage) ratio | 11.4680% | 1,930 |
| Tier 1 risk-based capital ratio | 18.0567% | 1,932 |
| Total risk-based capital ratio | 19.2428% | 1,916 |
| Memoranda: | ||
| Average total assets | $183,702,500 | 3,450 |
| Average earning assets | $165,390,500 | 3,474 |
| Average equity | $21,905,500 | 2,960 |
| Average total loans | $96,532,500 | 4,061 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9568% | 6,564 |
| Cost of funding earning assets | 0.7226% | 7,657 |
| Net interest margin | 4.2342% | 1,960 |
| Noninterest income to average assets | 0.8796% | 2,028 |
| Noninterest expense to average assets | 3.9028% | 1,507 |
| Loan and lease loss provision to assets | 0.3193% | 4,905 |
| Net operating income to assets | 0.5104% | 3,685 |
| Return on assets (ROA) | 0.5104% | 3,777 |
| Pretax return on assets | 0.4540% | 4,336 |
| Return on Equity (ROE) | 4.0114% | 4,089 |
| Retained earnings to average equity (ytd only) | 2.1494% | 3,602 |
| Net charge-offs to loans | 0.2629% | 4,981 |
| Credit loss provision to net charge-offs | 218.2540% | 1,737 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,640 |
| Efficiency ratio | 83.4616% | 2,421 |
| Assets per employee ($millions) | 2.4381% | 7,299 |
| Cash dividends to net income (ytd only)* | 46.4164% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,452 |
| Loan loss allowance to noncurrent loans | 38.6883% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.0333% | 3,358 |
| Noncurrent loans to loans | 3.5047% | 2,167 |
| Net loans and leases to total assets | 51.1640% | 6,513 |
| Net loans and leases to deposits | 58.5350% | 6,746 |
| Net loans and leases to core deposits | 75.7823% | 6,415 |
| Total domestic deposits to total assets | 87.4076% | 2,260 |
| Equity capital to assets | 12.1346% | 1,948 |
| Core capital (leverage) ratio | 12.1871% | 1,588 |
| Tier 1 risk-based capital ratio | 18.8009% | 1,700 |
| Total risk-based capital ratio | 19.9285% | 1,685 |
| Memoranda: | ||
| Average total assets | $172,233,200 | 3,571 |
| Average earning assets | $154,432,800 | 3,628 |
| Average equity | $21,912,600 | 2,955 |
| Average total loans | $95,839,600 | 4,067 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 6,181 |
| Cost of funding earning assets | 0.7128% | 7,799 |
| Net interest margin | 4.4140% | 1,410 |
| Noninterest income to average assets | 0.8916% | 2,015 |
| Noninterest expense to average assets | 3.8581% | 1,496 |
| Loan and lease loss provision to assets | 0.2956% | 4,610 |
| Net operating income to assets | 0.7257% | 3,117 |
| Return on assets (ROA) | 0.7257% | 3,182 |
| Pretax return on assets | 0.7013% | 3,851 |
| Return on Equity (ROE) | 5.6339% | 3,675 |
| Retained earnings to average equity (ytd only) | 3.1435% | 3,558 |
| Net charge-offs to loans | 0.3427% | 3,924 |
| Credit loss provision to net charge-offs | 152.2267% | 3,136 |
| Earnings coverage of net charge-offs (x) | 5.1335% | 2,914 |
| Efficiency ratio | 79.4656% | 2,927 |
| Assets per employee ($millions) | 2.2110% | 7,600 |
| Cash dividends to net income (ytd only)* | 44.2038% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,014 |
| Loan loss allowance to noncurrent loans | 23.4960% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 2.9470% | 2,347 |
| Noncurrent loans to loans | 5.1841% | 1,243 |
| Net loans and leases to total assets | 53.9093% | 6,392 |
| Net loans and leases to deposits | 62.5973% | 6,624 |
| Net loans and leases to core deposits | 76.7660% | 6,572 |
| Total domestic deposits to total assets | 86.1208% | 2,638 |
| Equity capital to assets | 13.0871% | 1,664 |
| Core capital (leverage) ratio | 12.9046% | 1,407 |
| Tier 1 risk-based capital ratio | 20.1121% | 1,535 |
| Total risk-based capital ratio | 21.1576% | 1,533 |
| Memoranda: | ||
| Average total assets | $169,577,250 | 3,635 |
| Average earning assets | $152,270,500 | 3,687 |
| Average equity | $21,843,500 | 2,992 |
| Average total loans | $96,088,750 | 4,080 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2945% | 5,679 |
| Cost of funding earning assets | 0.7246% | 7,901 |
| Net interest margin | 4.5699% | 1,019 |
| Noninterest income to average assets | 0.8819% | 2,057 |
| Noninterest expense to average assets | 3.7980% | 1,661 |
| Loan and lease loss provision to assets | 0.4409% | 3,347 |
| Net operating income to assets | 0.7878% | 2,899 |
| Return on assets (ROA) | 0.7878% | 2,994 |
| Pretax return on assets | 0.7514% | 3,824 |
| Return on Equity (ROE) | 6.1484% | 3,578 |
| Retained earnings to average equity (ytd only) | 4.5241% | 2,776 |
| Net charge-offs to loans | 0.4798% | 2,914 |
| Credit loss provision to net charge-offs | 160.2564% | 2,866 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,131 |
| Efficiency ratio | 76.1074% | 3,673 |
| Assets per employee ($millions) | 2.1281% | 7,753 |
| Cash dividends to net income (ytd only)* | 26.4179% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 4,900 |
| Loan loss allowance to noncurrent loans | 22.8913% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 3.0320% | 2,090 |
| Noncurrent loans to loans | 5.2609% | 1,132 |
| Net loans and leases to total assets | 55.7969% | 6,227 |
| Net loans and leases to deposits | 64.8318% | 6,488 |
| Net loans and leases to core deposits | 78.1122% | 6,538 |
| Total domestic deposits to total assets | 86.0640% | 2,754 |
| Equity capital to assets | 13.1914% | 1,613 |
| Core capital (leverage) ratio | 12.8143% | 1,495 |
| Tier 1 risk-based capital ratio | 20.1803% | 1,543 |
| Total risk-based capital ratio | 21.2417% | 1,544 |
| Memoranda: | ||
| Average total assets | $170,091,000 | 3,637 |
| Average earning assets | $152,912,000 | 3,684 |
| Average equity | $21,794,330 | 2,999 |
| Average total loans | $97,550,330 | 4,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 6,003 |
| Cost of funding earning assets | 0.7625% | 7,946 |
| Net interest margin | 4.5133% | 1,105 |
| Noninterest income to average assets | 0.8946% | 1,876 |
| Noninterest expense to average assets | 3.8388% | 1,405 |
| Loan and lease loss provision to assets | 0.5809% | 2,167 |
| Net operating income to assets | 0.6460% | 3,812 |
| Return on assets (ROA) | 0.6460% | 3,994 |
| Pretax return on assets | 0.5740% | 4,832 |
| Return on Equity (ROE) | 5.1143% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.1143% | 3,057 |
| Net charge-offs to loans | 0.0804% | 4,368 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 24.8500% | 1,227 |
| Efficiency ratio | 76.8730% | 3,350 |
| Assets per employee ($millions) | 2.2598% | 7,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 4,372 |
| Loan loss allowance to noncurrent loans | 29.5201% | 6,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4344% | 2,352 |
| Noncurrent loans to loans | 4.2552% | 1,383 |
| Net loans and leases to total assets | 56.4916% | 6,169 |
| Net loans and leases to deposits | 65.3427% | 6,434 |
| Net loans and leases to core deposits | 78.0746% | 6,533 |
| Total domestic deposits to total assets | 86.4544% | 2,475 |
| Equity capital to assets | 12.9025% | 1,790 |
| Core capital (leverage) ratio | 12.5278% | 1,676 |
| Tier 1 risk-based capital ratio | 19.5456% | 1,709 |
| Total risk-based capital ratio | 20.6659% | 1,688 |
| Memoranda: | ||
| Average total assets | $172,139,000 | 3,618 |
| Average earning assets | $156,336,500 | 3,641 |
| Average equity | $21,743,000 | 3,008 |
| Average total loans | $99,451,000 | 4,050 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0814% | 5,139 |
| Cost of funding earning assets | 1.3423% | 7,800 |
| Net interest margin | 4.7391% | 887 |
| Noninterest income to average assets | 1.1134% | 1,260 |
| Noninterest expense to average assets | 3.8342% | 1,689 |
| Loan and lease loss provision to assets | 0.1168% | 5,882 |
| Net operating income to assets | 1.0146% | 2,495 |
| Return on assets (ROA) | 1.0130% | 2,388 |
| Pretax return on assets | 1.5180% | 1,627 |
| Return on Equity (ROE) | 7.9611% | 3,091 |
| Retained earnings to average equity (ytd only) | 1.8905% | 4,052 |
| Net charge-offs to loans | 0.1952% | 4,237 |
| Credit loss provision to net charge-offs | 107.5269% | 4,992 |
| Earnings coverage of net charge-offs (x) | 15.0753% | 1,967 |
| Efficiency ratio | 70.0779% | 4,333 |
| Assets per employee ($millions) | 2.3305% | 7,514 |
| Cash dividends to net income (ytd only)* | 76.2536% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 6,268 |
| Loan loss allowance to noncurrent loans | 42.3852% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 1.3336% | 3,549 |
| Noncurrent loans to loans | 2.2867% | 2,417 |
| Net loans and leases to total assets | 57.7547% | 6,240 |
| Net loans and leases to deposits | 66.4258% | 6,608 |
| Net loans and leases to core deposits | 79.9661% | 6,620 |
| Total domestic deposits to total assets | 86.9461% | 1,958 |
| Equity capital to assets | 12.3679% | 2,076 |
| Core capital (leverage) ratio | 12.0290% | 1,951 |
| Tier 1 risk-based capital ratio | 18.3408% | 1,950 |
| Total risk-based capital ratio | 19.2049% | 1,995 |
| Memoranda: | ||
| Average total assets | $171,273,400 | 3,531 |
| Average earning assets | $157,496,600 | 3,515 |
| Average equity | $21,793,600 | 3,004 |
| Average total loans | $95,291,600 | 4,072 |