Home > Southern Heritage Bank > Performance and Condition Ratios
Southern Heritage Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0959% | 1,861 |
| Cost of funding earning assets | 1.2950% | 2,532 |
| Net interest margin | 3.8008% | 1,559 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 3.0847% | 985 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2215% | 1,599 |
| Return on assets (ROA) | 1.2215% | 1,574 |
| Pretax return on assets | 1.2215% | 2,087 |
| Return on Equity (ROE) | 15.0500% | 1,280 |
| Retained earnings to average equity (ytd only) | 1.7860% | 3,628 |
| Net charge-offs to loans | 0.0112% | 2,231 |
| Credit loss provision to net charge-offs | 700.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 165.8571% | 670 |
| Efficiency ratio | 70.7501% | 1,786 |
| Assets per employee ($millions) | 3.5055% | 4,291 |
| Cash dividends to net income (ytd only)* | 88.1295% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 4,086 |
| Loan loss allowance to noncurrent loans | 180.1961% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 981 |
| Noncurrent loans to loans | 0.4023% | 1,780 |
| Net loans and leases to total assets | 68.3800% | 1,990 |
| Net loans and leases to deposits | 75.0861% | 2,536 |
| Net loans and leases to core deposits | 78.7851% | 2,776 |
| Total domestic deposits to total assets | 91.0700% | 487 |
| Equity capital to assets | 8.3244% | 3,173 |
| Core capital (leverage) ratio | 10.7358% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $364,149,600 | 2,144 |
| Average earning assets | $345,475,600 | 2,111 |
| Average equity | $29,564,000 | 2,283 |
| Average total loans | $250,447,200 | 2,000 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29,311.0000% | 24 |
| Cost of funding earning assets | 113.0000% | 23 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0008% | 4,559 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.1014% | 2,033 |
| Pretax return on assets | 1.1014% | 2,564 |
| Return on Equity (ROE) | 13.6500% | 1,748 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0033% | 2,393 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.0967% | 4,589 |
| 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 | 16.0000% | 3 |
| Noncurrent loans to loans | 0.0088% | 3,742 |
| 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 | 763.0000% | 11 |
| Equity capital to assets | 32,731.0000% | 13 |
| 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 | $11,231,000 | 4,585 |
| Average earning assets | $4,163 | 4,608 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 1,792 |
| Cost of funding earning assets | 1.1122% | 2,245 |
| Net interest margin | 3.7748% | 1,670 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.1108% | 896 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0862% | 2,160 |
| Return on assets (ROA) | 1.0862% | 2,153 |
| Pretax return on assets | 1.0862% | 2,677 |
| Return on Equity (ROE) | 13.3800% | 1,823 |
| Retained earnings to average equity (ytd only) | 1.0753% | 3,898 |
| Net charge-offs to loans | 0.0097% | 1,844 |
| Credit loss provision to net charge-offs | 383.3333% | 747 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 693 |
| Efficiency ratio | 73.6767% | 1,381 |
| Assets per employee ($millions) | 3.4472% | 4,356 |
| Cash dividends to net income (ytd only)* | 91.9616% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 4,214 |
| Loan loss allowance to noncurrent loans | 181.0840% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 1,678 |
| Noncurrent loans to loans | 0.3751% | 1,797 |
| Net loans and leases to total assets | 68.8400% | 1,865 |
| Net loans and leases to deposits | 75.5634% | 2,357 |
| Net loans and leases to core deposits | 79.1022% | 2,536 |
| Total domestic deposits to total assets | 91.1000% | 621 |
| Equity capital to assets | 8.1797% | 3,099 |
| Core capital (leverage) ratio | 10.3119% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $364,215,667 | 2,150 |
| Average earning assets | $347,407,667 | 2,110 |
| Average equity | $29,573,667 | 2,281 |
| Average total loans | $248,309,333 | 2,006 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,776 |
| Cost of funding earning assets | 0.9777% | 2,122 |
| Net interest margin | 3.7546% | 1,785 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 3.0601% | 980 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1332% | 2,118 |
| Return on assets (ROA) | 1.1332% | 2,085 |
| Pretax return on assets | 1.1332% | 2,614 |
| Return on Equity (ROE) | 14.0100% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.5080% | 2,886 |
| Net charge-offs to loans | 0.0308% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 54.4737% | 1,070 |
| Efficiency ratio | 72.9765% | 1,439 |
| Assets per employee ($millions) | 3.4431% | 4,421 |
| Cash dividends to net income (ytd only)* | 60.6763% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6639% | 4,284 |
| Loan loss allowance to noncurrent loans | 217.8100% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 1,885 |
| Noncurrent loans to loans | 0.3048% | 2,056 |
| Net loans and leases to total assets | 68.3400% | 1,799 |
| Net loans and leases to deposits | 75.0527% | 2,206 |
| Net loans and leases to core deposits | 78.2674% | 2,372 |
| Total domestic deposits to total assets | 91.0500% | 784 |
| Equity capital to assets | 8.3621% | 2,996 |
| Core capital (leverage) ratio | 10.3897% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $365,345,500 | 2,174 |
| Average earning assets | $348,155,000 | 2,131 |
| Average equity | $29,557,000 | 2,310 |
| Average total loans | $247,026,500 | 2,040 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 1,084 |
| Cost of funding earning assets | 0.4005% | 2,100 |
| Net interest margin | 3.8805% | 1,004 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.9525% | 1,041 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3439% | 1,299 |
| Return on assets (ROA) | 1.3439% | 1,257 |
| Pretax return on assets | 1.3439% | 1,947 |
| Return on Equity (ROE) | 15.9100% | 1,073 |
| Retained earnings to average equity (ytd only) | 3.0362% | 3,710 |
| Net charge-offs to loans | 0.0914% | 772 |
| Credit loss provision to net charge-offs | 92.8571% | 1,616 |
| Earnings coverage of net charge-offs (x) | 24.6619% | 1,788 |
| Efficiency ratio | 67.8901% | 1,979 |
| Assets per employee ($millions) | 3.6917% | 4,387 |
| Cash dividends to net income (ytd only)* | 80.9189% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6806% | 4,232 |
| Loan loss allowance to noncurrent loans | 242.0290% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,139 |
| Noncurrent loans to loans | 0.2812% | 2,143 |
| Net loans and leases to total assets | 66.0100% | 2,041 |
| Net loans and leases to deposits | 71.9753% | 2,409 |
| Net loans and leases to core deposits | 74.4185% | 2,537 |
| Total domestic deposits to total assets | 91.7100% | 712 |
| Equity capital to assets | 7.8238% | 3,174 |
| Core capital (leverage) ratio | 10.2244% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $370,866,400 | 2,141 |
| Average earning assets | $354,079,400 | 2,095 |
| Average equity | $31,322,000 | 2,281 |
| Average total loans | $229,808,800 | 2,056 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 982 |
| Cost of funding earning assets | 0.3254% | 1,907 |
| Net interest margin | 3.8213% | 918 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.9687% | 945 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3010% | 1,350 |
| Return on assets (ROA) | 1.3010% | 1,313 |
| Pretax return on assets | 1.3010% | 2,041 |
| Return on Equity (ROE) | 15.1300% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.5554% | 3,258 |
| Net charge-offs to loans | 0.1092% | 570 |
| Credit loss provision to net charge-offs | 68.6486% | 1,459 |
| Earnings coverage of net charge-offs (x) | 20.2703% | 1,708 |
| Efficiency ratio | 68.7942% | 1,915 |
| Assets per employee ($millions) | 3.6779% | 4,435 |
| Cash dividends to net income (ytd only)* | 69.8868% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,258 |
| Loan loss allowance to noncurrent loans | 251.4683% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,290 |
| Noncurrent loans to loans | 0.2765% | 2,270 |
| Net loans and leases to total assets | 63.8200% | 2,109 |
| Net loans and leases to deposits | 69.6271% | 2,396 |
| Net loans and leases to core deposits | 71.9642% | 2,485 |
| Total domestic deposits to total assets | 91.6500% | 992 |
| Equity capital to assets | 7.6550% | 3,122 |
| Core capital (leverage) ratio | 10.1845% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $371,291,000 | 2,148 |
| Average earning assets | $354,810,500 | 2,102 |
| Average equity | $31,931,750 | 2,277 |
| Average total loans | $225,922,500 | 2,072 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9694% | 985 |
| Cost of funding earning assets | 0.2819% | 1,877 |
| Net interest margin | 3.6874% | 929 |
| Noninterest income to average assets | 0.6556% | 1,518 |
| Noninterest expense to average assets | 2.9613% | 892 |
| Loan and lease loss provision to assets | 0.0503% | 1,679 |
| Net operating income to assets | 1.1721% | 1,529 |
| Return on assets (ROA) | 1.1721% | 1,507 |
| Pretax return on assets | 1.1721% | 2,163 |
| Return on Equity (ROE) | 13.1592% | 1,340 |
| Retained earnings to average equity (ytd only) | 1.8868% | 3,784 |
| Net charge-offs to loans | 0.1442% | 449 |
| Credit loss provision to net charge-offs | 58.3851% | 1,462 |
| Earnings coverage of net charge-offs (x) | 14.1863% | 1,663 |
| Efficiency ratio | 70.7816% | 1,853 |
| Assets per employee ($millions) | 3.7761% | 4,462 |
| Cash dividends to net income (ytd only)* | 85.6621% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,314 |
| Loan loss allowance to noncurrent loans | 202.2500% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 2,099 |
| Noncurrent loans to loans | 0.3516% | 2,094 |
| Net loans and leases to total assets | 60.4271% | 2,281 |
| Net loans and leases to deposits | 66.2100% | 2,531 |
| Net loans and leases to core deposits | 68.4154% | 2,613 |
| Total domestic deposits to total assets | 91.2658% | 1,122 |
| Equity capital to assets | 8.0770% | 3,061 |
| Core capital (leverage) ratio | 9.7544% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,683,667 | 2,147 |
| Average earning assets | $357,537,333 | 2,116 |
| Average equity | $33,284,667 | 2,263 |
| Average total loans | $223,234,000 | 2,091 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 1,035 |
| Cost of funding earning assets | 0.2764% | 1,856 |
| Net interest margin | 3.5524% | 979 |
| Noninterest income to average assets | 0.6884% | 1,354 |
| Noninterest expense to average assets | 2.9239% | 919 |
| Loan and lease loss provision to assets | 0.0760% | 1,084 |
| Net operating income to assets | 1.0867% | 1,558 |
| Return on assets (ROA) | 1.0867% | 1,558 |
| Pretax return on assets | 1.0867% | 2,185 |
| Return on Equity (ROE) | 11.6566% | 1,410 |
| Retained earnings to average equity (ytd only) | 4.1229% | 2,890 |
| Net charge-offs to loans | -0.0018% | 3,092 |
| Credit loss provision to net charge-offs | -7,100.0000% | 3,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5483% | 2,036 |
| Assets per employee ($millions) | 3.6072% | 4,529 |
| Cash dividends to net income (ytd only)* | 64.6305% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 4,239 |
| Loan loss allowance to noncurrent loans | 122.6955% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 1,479 |
| Noncurrent loans to loans | 0.6526% | 1,448 |
| Net loans and leases to total assets | 58.5846% | 2,235 |
| Net loans and leases to deposits | 64.5895% | 2,474 |
| Net loans and leases to core deposits | 67.0030% | 2,535 |
| Total domestic deposits to total assets | 90.7029% | 1,177 |
| Equity capital to assets | 8.8159% | 2,864 |
| Core capital (leverage) ratio | 9.9243% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,611,000 | 2,157 |
| Average earning assets | $357,393,000 | 2,122 |
| Average equity | $34,830,000 | 2,263 |
| Average total loans | $221,095,000 | 2,095 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2239% | 955 |
| Cost of funding earning assets | 0.3659% | 1,803 |
| Net interest margin | 3.8580% | 905 |
| Noninterest income to average assets | 0.7988% | 1,448 |
| Noninterest expense to average assets | 2.9734% | 1,026 |
| Loan and lease loss provision to assets | 0.0823% | 1,491 |
| Net operating income to assets | 1.4276% | 1,187 |
| Return on assets (ROA) | 1.4376% | 1,238 |
| Pretax return on assets | 1.4376% | 1,925 |
| Return on Equity (ROE) | 13.9630% | 1,201 |
| Retained earnings to average equity (ytd only) | 2.2869% | 3,892 |
| Net charge-offs to loans | 0.0410% | 1,444 |
| Credit loss provision to net charge-offs | 317.0213% | 1,035 |
| Earnings coverage of net charge-offs (x) | 58.1915% | 1,199 |
| Efficiency ratio | 66.3219% | 2,219 |
| Assets per employee ($millions) | 3.6831% | 4,539 |
| Cash dividends to net income (ytd only)* | 83.6214% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7564% | 4,335 |
| Loan loss allowance to noncurrent loans | 126.4066% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 1,659 |
| Noncurrent loans to loans | 0.5984% | 1,637 |
| Net loans and leases to total assets | 58.8484% | 2,288 |
| Net loans and leases to deposits | 65.6010% | 2,549 |
| Net loans and leases to core deposits | 68.3092% | 2,620 |
| Total domestic deposits to total assets | 89.7066% | 1,110 |
| Equity capital to assets | 9.8236% | 2,828 |
| Core capital (leverage) ratio | 10.0897% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,278,200 | 2,141 |
| Average earning assets | $345,980,800 | 2,102 |
| Average equity | $37,298,600 | 2,184 |
| Average total loans | $229,443,800 | 2,053 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 963 |
| Cost of funding earning assets | 0.3876% | 1,799 |
| Net interest margin | 3.9056% | 932 |
| Noninterest income to average assets | 0.7886% | 1,561 |
| Noninterest expense to average assets | 3.0074% | 960 |
| Loan and lease loss provision to assets | 0.0844% | 1,416 |
| Net operating income to assets | 1.4246% | 1,460 |
| Return on assets (ROA) | 1.4379% | 1,486 |
| Pretax return on assets | 1.4379% | 2,187 |
| Return on Equity (ROE) | 13.8011% | 1,449 |
| Retained earnings to average equity (ytd only) | 4.6669% | 3,349 |
| Net charge-offs to loans | 0.0358% | 1,363 |
| Credit loss provision to net charge-offs | 366.1290% | 912 |
| Earnings coverage of net charge-offs (x) | 65.5161% | 1,093 |
| Efficiency ratio | 66.5899% | 2,023 |
| Assets per employee ($millions) | 3.5161% | 4,642 |
| Cash dividends to net income (ytd only)* | 66.1844% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7131% | 4,481 |
| Loan loss allowance to noncurrent loans | 129.6063% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 1,846 |
| Noncurrent loans to loans | 0.5502% | 1,942 |
| Net loans and leases to total assets | 63.9013% | 1,789 |
| Net loans and leases to deposits | 72.0087% | 2,053 |
| Net loans and leases to core deposits | 74.9009% | 2,150 |
| Total domestic deposits to total assets | 88.7410% | 1,436 |
| Equity capital to assets | 10.5638% | 2,410 |
| Core capital (leverage) ratio | 10.3399% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,928,500 | 2,177 |
| Average earning assets | $342,573,250 | 2,137 |
| Average equity | $37,397,000 | 2,207 |
| Average total loans | $231,113,500 | 2,081 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 1,000 |
| Cost of funding earning assets | 0.4049% | 1,843 |
| Net interest margin | 3.9008% | 969 |
| Noninterest income to average assets | 0.7916% | 1,564 |
| Noninterest expense to average assets | 2.9881% | 1,007 |
| Loan and lease loss provision to assets | 0.0847% | 1,448 |
| Net operating income to assets | 1.4434% | 1,435 |
| Return on assets (ROA) | 1.4434% | 1,502 |
| Pretax return on assets | 1.4434% | 2,201 |
| Return on Equity (ROE) | 13.9174% | 1,436 |
| Retained earnings to average equity (ytd only) | 3.7331% | 3,609 |
| Net charge-offs to loans | 0.0536% | 1,085 |
| Credit loss provision to net charge-offs | 245.1613% | 970 |
| Earnings coverage of net charge-offs (x) | 44.2419% | 1,115 |
| Efficiency ratio | 66.1650% | 2,129 |
| Assets per employee ($millions) | 3.6687% | 4,613 |
| Cash dividends to net income (ytd only)* | 73.1764% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 4,583 |
| Loan loss allowance to noncurrent loans | 87.9127% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 1,518 |
| Noncurrent loans to loans | 0.7567% | 1,589 |
| Net loans and leases to total assets | 64.5922% | 1,881 |
| Net loans and leases to deposits | 72.5927% | 2,151 |
| Net loans and leases to core deposits | 75.7236% | 2,265 |
| Total domestic deposits to total assets | 88.9789% | 1,292 |
| Equity capital to assets | 10.3100% | 2,567 |
| Core capital (leverage) ratio | 9.9729% | 2,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $359,025,000 | 2,164 |
| Average earning assets | $342,799,667 | 2,127 |
| Average equity | $37,234,000 | 2,203 |
| Average total loans | $231,211,000 | 2,091 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2819% | 1,071 |
| Cost of funding earning assets | 0.4236% | 1,910 |
| Net interest margin | 3.8582% | 1,047 |
| Noninterest income to average assets | 0.8629% | 1,424 |
| Noninterest expense to average assets | 3.0605% | 895 |
| Loan and lease loss provision to assets | 0.0863% | 1,522 |
| Net operating income to assets | 1.4008% | 1,573 |
| Return on assets (ROA) | 1.4008% | 1,649 |
| Pretax return on assets | 1.4008% | 2,276 |
| Return on Equity (ROE) | 13.4669% | 1,549 |
| Retained earnings to average equity (ytd only) | 6.2917% | 2,797 |
| Net charge-offs to loans | 0.0087% | 1,596 |
| Credit loss provision to net charge-offs | 1,540.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 265.4000% | 331 |
| Efficiency ratio | 67.2992% | 2,028 |
| Assets per employee ($millions) | 3.5998% | 4,656 |
| Cash dividends to net income (ytd only)* | 53.2800% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6781% | 4,603 |
| Loan loss allowance to noncurrent loans | 74.2707% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 1,458 |
| Noncurrent loans to loans | 0.9130% | 1,484 |
| Net loans and leases to total assets | 62.5684% | 2,225 |
| Net loans and leases to deposits | 70.2303% | 2,482 |
| Net loans and leases to core deposits | 72.9124% | 2,623 |
| Total domestic deposits to total assets | 89.0903% | 1,295 |
| Equity capital to assets | 10.2493% | 2,479 |
| Core capital (leverage) ratio | 10.3961% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,936,500 | 2,151 |
| Average earning assets | $340,880,500 | 2,122 |
| Average equity | $37,128,000 | 2,199 |
| Average total loans | $228,731,000 | 2,102 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8658% | 641 |
| Cost of funding earning assets | 0.5470% | 2,628 |
| Net interest margin | 4.3188% | 487 |
| Noninterest income to average assets | 0.8176% | 1,481 |
| Noninterest expense to average assets | 3.2497% | 970 |
| Loan and lease loss provision to assets | 0.0595% | 3,627 |
| Net operating income to assets | 1.6083% | 625 |
| Return on assets (ROA) | 1.6242% | 660 |
| Pretax return on assets | 1.6242% | 1,016 |
| Return on Equity (ROE) | 14.4728% | 721 |
| Retained earnings to average equity (ytd only) | 3.2353% | 3,212 |
| Net charge-offs to loans | 0.1470% | 1,110 |
| Credit loss provision to net charge-offs | 56.5598% | 3,103 |
| Earnings coverage of net charge-offs (x) | 15.8426% | 2,156 |
| Efficiency ratio | 66.0841% | 2,518 |
| Assets per employee ($millions) | 3.5030% | 4,649 |
| Cash dividends to net income (ytd only)* | 77.6455% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6484% | 4,663 |
| Loan loss allowance to noncurrent loans | 74.3474% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 1,525 |
| Noncurrent loans to loans | 0.8721% | 1,624 |
| Net loans and leases to total assets | 64.7863% | 2,258 |
| Net loans and leases to deposits | 72.8710% | 2,602 |
| Net loans and leases to core deposits | 75.6811% | 2,757 |
| Total domestic deposits to total assets | 88.9054% | 1,024 |
| Equity capital to assets | 10.5602% | 2,617 |
| Core capital (leverage) ratio | 10.6448% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,814,800 | 2,156 |
| Average earning assets | $309,300,800 | 2,123 |
| Average equity | $36,565,200 | 2,151 |
| Average total loans | $233,383,800 | 2,013 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 543 |
| Cost of funding earning assets | 0.5689% | 2,815 |
| Net interest margin | 4.4945% | 384 |
| Noninterest income to average assets | 0.7486% | 1,647 |
| Noninterest expense to average assets | 3.2534% | 975 |
| Loan and lease loss provision to assets | 0.0673% | 3,492 |
| Net operating income to assets | 1.6916% | 581 |
| Return on assets (ROA) | 1.6920% | 647 |
| Pretax return on assets | 1.6920% | 979 |
| Return on Equity (ROE) | 14.8366% | 722 |
| Retained earnings to average equity (ytd only) | 6.1402% | 2,049 |
| Net charge-offs to loans | 0.1853% | 805 |
| Credit loss provision to net charge-offs | 49.3865% | 2,889 |
| Earnings coverage of net charge-offs (x) | 12.9356% | 2,223 |
| Efficiency ratio | 64.9110% | 2,611 |
| Assets per employee ($millions) | 3.2593% | 4,757 |
| Cash dividends to net income (ytd only)* | 58.6147% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5971% | 4,728 |
| Loan loss allowance to noncurrent loans | 65.7245% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 1,537 |
| Noncurrent loans to loans | 0.9086% | 1,642 |
| Net loans and leases to total assets | 73.3549% | 1,449 |
| Net loans and leases to deposits | 83.4613% | 1,963 |
| Net loans and leases to core deposits | 86.9275% | 2,241 |
| Total domestic deposits to total assets | 87.8908% | 1,266 |
| Equity capital to assets | 11.2778% | 2,165 |
| Core capital (leverage) ratio | 10.9884% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,694,000 | 2,173 |
| Average earning assets | $303,269,250 | 2,131 |
| Average equity | $36,458,500 | 2,141 |
| Average total loans | $234,623,250 | 2,002 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 477 |
| Cost of funding earning assets | 0.5940% | 2,998 |
| Net interest margin | 4.7112% | 329 |
| Noninterest income to average assets | 0.7418% | 1,607 |
| Noninterest expense to average assets | 3.2634% | 1,055 |
| Loan and lease loss provision to assets | 0.0710% | 3,409 |
| Net operating income to assets | 1.8679% | 433 |
| Return on assets (ROA) | 1.8685% | 476 |
| Pretax return on assets | 1.8685% | 714 |
| Return on Equity (ROE) | 16.3207% | 514 |
| Retained earnings to average equity (ytd only) | 6.5017% | 1,863 |
| Net charge-offs to loans | 0.0242% | 2,231 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 109.2143% | 663 |
| Efficiency ratio | 62.7300% | 3,003 |
| Assets per employee ($millions) | 3.2483% | 4,767 |
| Cash dividends to net income (ytd only)* | 60.1629% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7074% | 4,550 |
| Loan loss allowance to noncurrent loans | 55.6132% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 1,293 |
| Noncurrent loans to loans | 1.2720% | 1,225 |
| Net loans and leases to total assets | 71.9074% | 1,730 |
| Net loans and leases to deposits | 81.3973% | 2,268 |
| Net loans and leases to core deposits | 84.7887% | 2,546 |
| Total domestic deposits to total assets | 88.3412% | 1,020 |
| Equity capital to assets | 11.0380% | 2,309 |
| Core capital (leverage) ratio | 11.0107% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,441,667 | 2,173 |
| Average earning assets | $298,650,667 | 2,133 |
| Average equity | $36,113,667 | 2,151 |
| Average total loans | $231,053,000 | 2,006 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 727 |
| Cost of funding earning assets | 0.6488% | 3,175 |
| Net interest margin | 4.4976% | 504 |
| Noninterest income to average assets | 0.7532% | 1,459 |
| Noninterest expense to average assets | 3.4301% | 1,031 |
| Loan and lease loss provision to assets | 0.0798% | 2,717 |
| Net operating income to assets | 1.4947% | 793 |
| Return on assets (ROA) | 1.4960% | 869 |
| Pretax return on assets | 1.4960% | 1,317 |
| Return on Equity (ROE) | 12.8160% | 908 |
| Retained earnings to average equity (ytd only) | 6.0383% | 1,856 |
| Net charge-offs to loans | 0.0426% | 1,608 |
| Credit loss provision to net charge-offs | 254.1667% | 1,274 |
| Earnings coverage of net charge-offs (x) | 50.1667% | 898 |
| Efficiency ratio | 68.5393% | 2,580 |
| Assets per employee ($millions) | 2.9452% | 4,816 |
| Cash dividends to net income (ytd only)* | 52.8846% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7327% | 4,555 |
| Loan loss allowance to noncurrent loans | 60.3986% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 1,435 |
| Noncurrent loans to loans | 1.2131% | 1,348 |
| Net loans and leases to total assets | 73.7324% | 1,653 |
| Net loans and leases to deposits | 84.1761% | 2,203 |
| Net loans and leases to core deposits | 88.2578% | 2,502 |
| Total domestic deposits to total assets | 87.5931% | 1,277 |
| Equity capital to assets | 11.7337% | 2,257 |
| Core capital (leverage) ratio | 11.6765% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,876,500 | 2,169 |
| Average earning assets | $289,134,000 | 2,143 |
| Average equity | $35,705,500 | 2,161 |
| Average total loans | $225,431,500 | 2,017 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2765% | 857 |
| Cost of funding earning assets | 0.6846% | 3,235 |
| Net interest margin | 4.5919% | 586 |
| Noninterest income to average assets | 0.7898% | 1,479 |
| Noninterest expense to average assets | 3.5074% | 954 |
| Loan and lease loss provision to assets | 0.0642% | 2,746 |
| Net operating income to assets | 1.5711% | 891 |
| Return on assets (ROA) | 1.5806% | 930 |
| Pretax return on assets | 1.5806% | 1,542 |
| Return on Equity (ROE) | 13.6365% | 974 |
| Retained earnings to average equity (ytd only) | 1.0448% | 4,368 |
| Net charge-offs to loans | 0.1005% | 1,722 |
| Credit loss provision to net charge-offs | 84.7826% | 2,734 |
| Earnings coverage of net charge-offs (x) | 21.6043% | 1,881 |
| Efficiency ratio | 68.2025% | 2,429 |
| Assets per employee ($millions) | 3.0243% | 4,817 |
| Cash dividends to net income (ytd only)* | 92.3381% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,508 |
| Loan loss allowance to noncurrent loans | 75.0460% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9304% | 1,368 |
| Noncurrent loans to loans | 0.9724% | 1,571 |
| Net loans and leases to total assets | 72.5884% | 1,996 |
| Net loans and leases to deposits | 82.6385% | 2,484 |
| Net loans and leases to core deposits | 86.5866% | 2,746 |
| Total domestic deposits to total assets | 87.8385% | 1,202 |
| Equity capital to assets | 11.6125% | 2,419 |
| Core capital (leverage) ratio | 11.6209% | 2,022 |
| Tier 1 risk-based capital ratio | 18.2855% | 1,692 |
| Total risk-based capital ratio | 19.1358% | 1,742 |
| Memoranda: | ||
| Average total assets | $303,872,400 | 2,142 |
| Average earning assets | $288,051,000 | 2,098 |
| Average equity | $35,221,600 | 2,123 |
| Average total loans | $228,752,800 | 1,964 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2891% | 886 |
| Cost of funding earning assets | 0.6905% | 3,259 |
| Net interest margin | 4.5986% | 622 |
| Noninterest income to average assets | 0.7873% | 1,456 |
| Noninterest expense to average assets | 3.5077% | 938 |
| Loan and lease loss provision to assets | 0.0712% | 2,457 |
| Net operating income to assets | 1.5706% | 991 |
| Return on assets (ROA) | 1.5834% | 1,021 |
| Pretax return on assets | 1.5834% | 1,690 |
| Return on Equity (ROE) | 13.6670% | 1,062 |
| Retained earnings to average equity (ytd only) | 3.2044% | 3,802 |
| Net charge-offs to loans | 0.0585% | 1,988 |
| Credit loss provision to net charge-offs | 160.3960% | 1,553 |
| Earnings coverage of net charge-offs (x) | 37.0009% | 1,435 |
| Efficiency ratio | 68.1171% | 2,396 |
| Assets per employee ($millions) | 2.8680% | 4,949 |
| Cash dividends to net income (ytd only)* | 76.5538% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 4,494 |
| Loan loss allowance to noncurrent loans | 67.0031% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 1,520 |
| Noncurrent loans to loans | 1.1481% | 1,377 |
| Net loans and leases to total assets | 73.9347% | 1,831 |
| Net loans and leases to deposits | 84.8240% | 2,339 |
| Net loans and leases to core deposits | 89.1769% | 2,619 |
| Total domestic deposits to total assets | 87.1624% | 1,443 |
| Equity capital to assets | 11.9712% | 2,282 |
| Core capital (leverage) ratio | 11.8419% | 1,967 |
| Tier 1 risk-based capital ratio | 19.4446% | 1,472 |
| Total risk-based capital ratio | 20.3892% | 1,508 |
| Memoranda: | ||
| Average total assets | $303,476,750 | 2,162 |
| Average earning assets | $287,880,500 | 2,109 |
| Average equity | $35,159,250 | 2,143 |
| Average total loans | $230,102,250 | 1,972 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2142% | 959 |
| Cost of funding earning assets | 0.6943% | 3,200 |
| Net interest margin | 4.5199% | 736 |
| Noninterest income to average assets | 0.7474% | 1,533 |
| Noninterest expense to average assets | 3.4510% | 1,024 |
| Loan and lease loss provision to assets | 0.0631% | 2,560 |
| Net operating income to assets | 1.5257% | 1,074 |
| Return on assets (ROA) | 1.5448% | 1,071 |
| Pretax return on assets | 1.5448% | 1,719 |
| Return on Equity (ROE) | 13.4816% | 1,104 |
| Retained earnings to average equity (ytd only) | 0.8089% | 4,488 |
| Net charge-offs to loans | 0.0431% | 2,039 |
| Credit loss provision to net charge-offs | 192.0000% | 1,255 |
| Earnings coverage of net charge-offs (x) | 48.3400% | 1,118 |
| Efficiency ratio | 68.4753% | 2,452 |
| Assets per employee ($millions) | 2.8227% | 5,003 |
| Cash dividends to net income (ytd only)* | 94.0000% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,651 |
| Loan loss allowance to noncurrent loans | 70.3536% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 1,645 |
| Noncurrent loans to loans | 1.0345% | 1,582 |
| Net loans and leases to total assets | 78.0028% | 1,217 |
| Net loans and leases to deposits | 89.0431% | 1,856 |
| Net loans and leases to core deposits | 93.9603% | 2,241 |
| Total domestic deposits to total assets | 87.6012% | 1,285 |
| Equity capital to assets | 11.7775% | 2,362 |
| Core capital (leverage) ratio | 11.4748% | 2,193 |
| Tier 1 risk-based capital ratio | 17.1803% | 2,033 |
| Total risk-based capital ratio | 18.0245% | 2,093 |
| Memoranda: | ||
| Average total assets | $304,255,670 | 2,162 |
| Average earning assets | $288,943,670 | 2,106 |
| Average equity | $34,862,330 | 2,144 |
| Average total loans | $232,012,000 | 1,965 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 1,006 |
| Cost of funding earning assets | 0.6699% | 3,204 |
| Net interest margin | 4.4776% | 771 |
| Noninterest income to average assets | 0.7432% | 1,450 |
| Noninterest expense to average assets | 3.4096% | 1,097 |
| Loan and lease loss provision to assets | 0.0469% | 2,709 |
| Net operating income to assets | 1.5399% | 1,033 |
| Return on assets (ROA) | 1.5777% | 966 |
| Pretax return on assets | 1.5777% | 1,527 |
| Return on Equity (ROE) | 13.9586% | 982 |
| Retained earnings to average equity (ytd only) | 1.3266% | 4,249 |
| Net charge-offs to loans | 0.0555% | 1,495 |
| Credit loss provision to net charge-offs | 112.5000% | 1,477 |
| Earnings coverage of net charge-offs (x) | 38.0313% | 1,184 |
| Efficiency ratio | 68.2411% | 2,608 |
| Assets per employee ($millions) | 2.9891% | 4,983 |
| Cash dividends to net income (ytd only)* | 90.4959% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7126% | 4,754 |
| Loan loss allowance to noncurrent loans | 82.2167% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 1,954 |
| Noncurrent loans to loans | 0.8667% | 1,908 |
| Net loans and leases to total assets | 75.5315% | 1,553 |
| Net loans and leases to deposits | 85.7424% | 2,162 |
| Net loans and leases to core deposits | 90.3471% | 2,460 |
| Total domestic deposits to total assets | 88.0912% | 1,288 |
| Equity capital to assets | 11.3267% | 2,542 |
| Core capital (leverage) ratio | 11.3484% | 2,243 |
| Tier 1 risk-based capital ratio | 17.3185% | 2,005 |
| Total risk-based capital ratio | 18.1495% | 2,086 |
| Memoranda: | ||
| Average total assets | $306,780,500 | 2,157 |
| Average earning assets | $291,403,500 | 2,102 |
| Average equity | $34,674,000 | 2,155 |
| Average total loans | $230,468,000 | 1,990 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9067% | 1,265 |
| Cost of funding earning assets | 0.5946% | 2,768 |
| Net interest margin | 4.3121% | 1,122 |
| Noninterest income to average assets | 0.7660% | 1,581 |
| Noninterest expense to average assets | 3.4037% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4536% | 1,260 |
| Return on assets (ROA) | 1.4536% | 1,252 |
| Pretax return on assets | 1.4536% | 1,939 |
| Return on Equity (ROE) | 12.7433% | 1,444 |
| Retained earnings to average equity (ytd only) | 2.0259% | 4,345 |
| Net charge-offs to loans | 0.1056% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 19.1179% | 2,087 |
| Efficiency ratio | 70.0731% | 2,172 |
| Assets per employee ($millions) | 2.9678% | 5,013 |
| Cash dividends to net income (ytd only)* | 84.1023% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7344% | 4,722 |
| Loan loss allowance to noncurrent loans | 77.8037% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 1,920 |
| Noncurrent loans to loans | 0.9439% | 1,709 |
| Net loans and leases to total assets | 73.6243% | 1,988 |
| Net loans and leases to deposits | 83.4609% | 2,570 |
| Net loans and leases to core deposits | 87.4278% | 2,797 |
| Total domestic deposits to total assets | 88.2141% | 1,209 |
| Equity capital to assets | 11.2782% | 2,439 |
| Core capital (leverage) ratio | 11.5867% | 2,032 |
| Tier 1 risk-based capital ratio | 17.8055% | 1,813 |
| Total risk-based capital ratio | 18.6609% | 1,877 |
| Memoranda: | ||
| Average total assets | $301,175,800 | 2,148 |
| Average earning assets | $285,752,000 | 2,100 |
| Average equity | $34,355,200 | 2,099 |
| Average total loans | $216,953,000 | 2,050 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 1,300 |
| Cost of funding earning assets | 0.5887% | 2,556 |
| Net interest margin | 4.2617% | 1,206 |
| Noninterest income to average assets | 0.7279% | 1,758 |
| Noninterest expense to average assets | 3.3149% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4562% | 1,310 |
| Return on assets (ROA) | 1.4562% | 1,306 |
| Pretax return on assets | 1.4562% | 2,041 |
| Return on Equity (ROE) | 12.7289% | 1,529 |
| Retained earnings to average equity (ytd only) | 3.8921% | 3,825 |
| Net charge-offs to loans | 0.0454% | 2,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 44.8908% | 1,259 |
| Efficiency ratio | 69.4794% | 2,273 |
| Assets per employee ($millions) | 2.8845% | 5,117 |
| Cash dividends to net income (ytd only)* | 69.4234% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 4,544 |
| Loan loss allowance to noncurrent loans | 152.6404% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,840 |
| Noncurrent loans to loans | 0.5389% | 2,767 |
| Net loans and leases to total assets | 73.8949% | 2,003 |
| Net loans and leases to deposits | 84.3194% | 2,562 |
| Net loans and leases to core deposits | 87.3640% | 2,886 |
| Total domestic deposits to total assets | 87.6369% | 1,425 |
| Equity capital to assets | 11.6269% | 2,159 |
| Core capital (leverage) ratio | 11.7216% | 1,995 |
| Tier 1 risk-based capital ratio | 18.2425% | 1,730 |
| Total risk-based capital ratio | 19.1928% | 1,768 |
| Memoranda: | ||
| Average total assets | $300,050,000 | 2,164 |
| Average earning assets | $284,665,750 | 2,117 |
| Average equity | $34,325,250 | 2,104 |
| Average total loans | $214,511,500 | 2,074 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 1,416 |
| Cost of funding earning assets | 0.5841% | 2,336 |
| Net interest margin | 4.1516% | 1,406 |
| Noninterest income to average assets | 0.7009% | 1,865 |
| Noninterest expense to average assets | 3.2714% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3680% | 1,543 |
| Return on assets (ROA) | 1.3680% | 1,546 |
| Pretax return on assets | 1.3680% | 2,259 |
| Return on Equity (ROE) | 12.0225% | 1,716 |
| Retained earnings to average equity (ytd only) | 2.2363% | 4,384 |
| Net charge-offs to loans | 0.0462% | 1,952 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.0204% | 1,256 |
| Efficiency ratio | 70.5141% | 2,237 |
| Assets per employee ($millions) | 2.9240% | 5,146 |
| Cash dividends to net income (ytd only)* | 81.3987% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 4,480 |
| Loan loss allowance to noncurrent loans | 111.4130% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6286% | 2,333 |
| Noncurrent loans to loans | 0.7800% | 2,173 |
| Net loans and leases to total assets | 69.8825% | 2,597 |
| Net loans and leases to deposits | 79.3820% | 3,015 |
| Net loans and leases to core deposits | 82.4014% | 3,206 |
| Total domestic deposits to total assets | 88.0332% | 1,366 |
| Equity capital to assets | 11.3369% | 2,319 |
| Core capital (leverage) ratio | 11.4118% | 2,151 |
| Tier 1 risk-based capital ratio | 18.8439% | 1,593 |
| Total risk-based capital ratio | 19.8561% | 1,613 |
| Memoranda: | ||
| Average total assets | $301,032,330 | 2,164 |
| Average earning assets | $285,575,000 | 2,127 |
| Average equity | $34,252,330 | 2,119 |
| Average total loans | $212,227,000 | 2,093 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,484 |
| Cost of funding earning assets | 0.5506% | 2,401 |
| Net interest margin | 4.0809% | 1,486 |
| Noninterest income to average assets | 0.7416% | 1,651 |
| Noninterest expense to average assets | 3.2123% | 1,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4008% | 1,341 |
| Return on assets (ROA) | 1.4008% | 1,346 |
| Pretax return on assets | 1.4008% | 1,995 |
| Return on Equity (ROE) | 12.2890% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.8647% | 2,773 |
| Net charge-offs to loans | 0.0170% | 2,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 117.1111% | 535 |
| Efficiency ratio | 69.6341% | 2,545 |
| Assets per employee ($millions) | 2.9609% | 5,174 |
| Cash dividends to net income (ytd only)* | 52.2770% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,506 |
| Loan loss allowance to noncurrent loans | 98.6911% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 2,062 |
| Noncurrent loans to loans | 0.8974% | 2,029 |
| Net loans and leases to total assets | 69.8456% | 2,512 |
| Net loans and leases to deposits | 79.3895% | 2,879 |
| Net loans and leases to core deposits | 82.3047% | 3,117 |
| Total domestic deposits to total assets | 87.9783% | 1,634 |
| Equity capital to assets | 11.3711% | 2,241 |
| Core capital (leverage) ratio | 11.5098% | 2,004 |
| Tier 1 risk-based capital ratio | 18.9719% | 1,554 |
| Total risk-based capital ratio | 20.0094% | 1,576 |
| Memoranda: | ||
| Average total assets | $300,965,000 | 2,186 |
| Average earning assets | $285,522,000 | 2,151 |
| Average equity | $34,307,000 | 2,132 |
| Average total loans | $212,186,500 | 2,097 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 1,151 |
| Cost of funding earning assets | 0.4680% | 2,616 |
| Net interest margin | 4.2521% | 1,076 |
| Noninterest income to average assets | 0.7907% | 1,603 |
| Noninterest expense to average assets | 3.3192% | 1,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4833% | 840 |
| Return on assets (ROA) | 1.4833% | 859 |
| Pretax return on assets | 1.4833% | 1,705 |
| Return on Equity (ROE) | 12.6979% | 1,026 |
| Retained earnings to average equity (ytd only) | 1.7911% | 4,244 |
| Net charge-offs to loans | 0.1127% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 18.8233% | 2,058 |
| Efficiency ratio | 69.1138% | 2,679 |
| Assets per employee ($millions) | 2.9118% | 5,259 |
| Cash dividends to net income (ytd only)* | 85.8942% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,488 |
| Loan loss allowance to noncurrent loans | 119.8608% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 2,342 |
| Noncurrent loans to loans | 0.7474% | 2,336 |
| Net loans and leases to total assets | 69.9028% | 2,532 |
| Net loans and leases to deposits | 79.4027% | 2,983 |
| Net loans and leases to core deposits | 82.8876% | 3,160 |
| Total domestic deposits to total assets | 88.0357% | 1,479 |
| Equity capital to assets | 11.4271% | 2,254 |
| Core capital (leverage) ratio | 11.6244% | 1,851 |
| Tier 1 risk-based capital ratio | 18.4550% | 1,665 |
| Total risk-based capital ratio | 19.4842% | 1,684 |
| Memoranda: | ||
| Average total assets | $294,409,400 | 2,198 |
| Average earning assets | $277,767,200 | 2,170 |
| Average equity | $34,391,400 | 2,114 |
| Average total loans | $205,947,600 | 2,111 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,099 |
| Cost of funding earning assets | 0.4552% | 2,666 |
| Net interest margin | 4.2600% | 1,026 |
| Noninterest income to average assets | 0.7712% | 1,699 |
| Noninterest expense to average assets | 3.2974% | 1,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4933% | 911 |
| Return on assets (ROA) | 1.4933% | 931 |
| Pretax return on assets | 1.4933% | 1,793 |
| Return on Equity (ROE) | 12.7128% | 1,118 |
| Retained earnings to average equity (ytd only) | 3.7573% | 3,685 |
| Net charge-offs to loans | 0.1467% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 14.5868% | 2,286 |
| Efficiency ratio | 68.8289% | 2,737 |
| Assets per employee ($millions) | 2.8334% | 5,374 |
| Cash dividends to net income (ytd only)* | 70.4449% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,541 |
| Loan loss allowance to noncurrent loans | 247.0130% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 3,269 |
| Noncurrent loans to loans | 0.3668% | 3,637 |
| Net loans and leases to total assets | 71.2882% | 2,364 |
| Net loans and leases to deposits | 82.2111% | 2,758 |
| Net loans and leases to core deposits | 85.6703% | 2,995 |
| Total domestic deposits to total assets | 86.7135% | 1,988 |
| Equity capital to assets | 11.9919% | 1,969 |
| Core capital (leverage) ratio | 11.8563% | 1,780 |
| Tier 1 risk-based capital ratio | 18.8220% | 1,641 |
| Total risk-based capital ratio | 19.8645% | 1,650 |
| Memoranda: | ||
| Average total assets | $293,032,250 | 2,222 |
| Average earning assets | $276,485,000 | 2,190 |
| Average equity | $34,421,250 | 2,129 |
| Average total loans | $204,548,000 | 2,131 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 1,121 |
| Cost of funding earning assets | 0.4431% | 2,665 |
| Net interest margin | 4.2256% | 1,023 |
| Noninterest income to average assets | 0.7450% | 1,789 |
| Noninterest expense to average assets | 3.2764% | 1,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4532% | 946 |
| Return on assets (ROA) | 1.4532% | 972 |
| Pretax return on assets | 1.4532% | 1,812 |
| Return on Equity (ROE) | 12.4572% | 1,174 |
| Retained earnings to average equity (ytd only) | 2.3372% | 4,281 |
| Net charge-offs to loans | 0.1016% | 1,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 20.6990% | 1,781 |
| Efficiency ratio | 69.2751% | 2,805 |
| Assets per employee ($millions) | 2.9189% | 5,333 |
| Cash dividends to net income (ytd only)* | 81.2383% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,318 |
| Loan loss allowance to noncurrent loans | 307.1320% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 3,441 |
| Noncurrent loans to loans | 0.3161% | 3,907 |
| Net loans and leases to total assets | 69.3399% | 2,612 |
| Net loans and leases to deposits | 79.4840% | 2,970 |
| Net loans and leases to core deposits | 84.6101% | 3,003 |
| Total domestic deposits to total assets | 87.2375% | 1,841 |
| Equity capital to assets | 11.5856% | 2,242 |
| Core capital (leverage) ratio | 11.3456% | 2,087 |
| Tier 1 risk-based capital ratio | 18.4343% | 1,733 |
| Total risk-based capital ratio | 19.5391% | 1,737 |
| Memoranda: | ||
| Average total assets | $293,430,330 | 2,231 |
| Average earning assets | $276,694,000 | 2,191 |
| Average equity | $34,229,330 | 2,131 |
| Average total loans | $202,748,000 | 2,146 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,053 |
| Cost of funding earning assets | 0.4267% | 2,752 |
| Net interest margin | 4.2114% | 968 |
| Noninterest income to average assets | 0.7676% | 1,677 |
| Noninterest expense to average assets | 3.2368% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5023% | 806 |
| Return on assets (ROA) | 1.5023% | 833 |
| Pretax return on assets | 1.5023% | 1,525 |
| Return on Equity (ROE) | 12.8340% | 1,031 |
| Retained earnings to average equity (ytd only) | 6.0299% | 2,314 |
| Net charge-offs to loans | 0.1161% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 18.8621% | 1,554 |
| Efficiency ratio | 68.2990% | 3,152 |
| Assets per employee ($millions) | 2.9422% | 5,399 |
| Cash dividends to net income (ytd only)* | 53.0165% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 4,080 |
| Loan loss allowance to noncurrent loans | 259.2732% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 3,292 |
| Noncurrent loans to loans | 0.3982% | 3,665 |
| Net loans and leases to total assets | 66.7403% | 2,854 |
| Net loans and leases to deposits | 76.4112% | 3,147 |
| Net loans and leases to core deposits | 81.3115% | 3,161 |
| Total domestic deposits to total assets | 87.3436% | 2,052 |
| Equity capital to assets | 11.5941% | 2,116 |
| Core capital (leverage) ratio | 11.6187% | 1,868 |
| Tier 1 risk-based capital ratio | 19.3610% | 1,523 |
| Total risk-based capital ratio | 20.5429% | 1,511 |
| Memoranda: | ||
| Average total assets | $291,279,500 | 2,253 |
| Average earning assets | $274,681,000 | 2,215 |
| Average equity | $34,097,000 | 2,142 |
| Average total loans | $199,886,500 | 2,187 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,023 |
| Cost of funding earning assets | 0.3834% | 3,169 |
| Net interest margin | 4.3386% | 870 |
| Noninterest income to average assets | 0.7933% | 1,769 |
| Noninterest expense to average assets | 3.3552% | 1,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.5321% | 781 |
| Return on assets (ROA) | 1.5321% | 805 |
| Pretax return on assets | 1.5321% | 1,486 |
| Return on Equity (ROE) | 12.6331% | 1,081 |
| Retained earnings to average equity (ytd only) | 1.4017% | 4,707 |
| Net charge-offs to loans | 0.0502% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 44.8763% | 1,085 |
| Efficiency ratio | 68.6519% | 3,140 |
| Assets per employee ($millions) | 3.0361% | 5,321 |
| Cash dividends to net income (ytd only)* | 88.9042% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 3,913 |
| Loan loss allowance to noncurrent loans | 177.6942% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 2,861 |
| Noncurrent loans to loans | 0.6004% | 3,051 |
| Net loans and leases to total assets | 69.1144% | 2,610 |
| Net loans and leases to deposits | 79.2453% | 2,972 |
| Net loans and leases to core deposits | 82.9329% | 3,132 |
| Total domestic deposits to total assets | 87.2157% | 2,017 |
| Equity capital to assets | 11.8224% | 1,921 |
| Core capital (leverage) ratio | 11.8784% | 1,681 |
| Tier 1 risk-based capital ratio | 19.0479% | 1,587 |
| Total risk-based capital ratio | 20.2617% | 1,561 |
| Memoranda: | ||
| Average total assets | $284,126,000 | 2,256 |
| Average earning assets | $268,102,600 | 2,229 |
| Average equity | $34,457,000 | 2,110 |
| Average total loans | $193,416,000 | 2,169 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 1,065 |
| Cost of funding earning assets | 0.3794% | 3,233 |
| Net interest margin | 4.3199% | 893 |
| Noninterest income to average assets | 0.7662% | 1,909 |
| Noninterest expense to average assets | 3.3834% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4639% | 951 |
| Return on assets (ROA) | 1.4639% | 996 |
| Pretax return on assets | 1.4639% | 1,839 |
| Return on Equity (ROE) | 11.9949% | 1,324 |
| Retained earnings to average equity (ytd only) | 1.8015% | 4,786 |
| Net charge-offs to loans | 0.0521% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 41.5456% | 1,206 |
| Efficiency ratio | 69.8003% | 2,914 |
| Assets per employee ($millions) | 2.7312% | 5,591 |
| Cash dividends to net income (ytd only)* | 84.9808% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,865 |
| Loan loss allowance to noncurrent loans | 151.6584% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 3,032 |
| Noncurrent loans to loans | 0.7211% | 2,868 |
| Net loans and leases to total assets | 69.0893% | 2,625 |
| Net loans and leases to deposits | 79.9719% | 2,968 |
| Net loans and leases to core deposits | 83.5914% | 3,168 |
| Total domestic deposits to total assets | 86.3919% | 2,171 |
| Equity capital to assets | 12.4308% | 1,818 |
| Core capital (leverage) ratio | 11.9268% | 1,726 |
| Tier 1 risk-based capital ratio | 19.2281% | 1,620 |
| Total risk-based capital ratio | 20.4660% | 1,582 |
| Memoranda: | ||
| Average total assets | $283,808,000 | 2,265 |
| Average earning assets | $268,118,750 | 2,231 |
| Average equity | $34,636,000 | 2,105 |
| Average total loans | $191,925,500 | 2,186 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,153 |
| Cost of funding earning assets | 0.3778% | 3,272 |
| Net interest margin | 4.2780% | 967 |
| Noninterest income to average assets | 0.7118% | 2,085 |
| Noninterest expense to average assets | 3.3312% | 1,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4228% | 1,024 |
| Return on assets (ROA) | 1.4228% | 1,065 |
| Pretax return on assets | 1.4228% | 1,939 |
| Return on Equity (ROE) | 11.7306% | 1,407 |
| Retained earnings to average equity (ytd only) | 0.1506% | 5,257 |
| Net charge-offs to loans | 0.0357% | 2,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 59.5588% | 888 |
| Efficiency ratio | 70.0709% | 2,974 |
| Assets per employee ($millions) | 2.7836% | 5,622 |
| Cash dividends to net income (ytd only)* | 98.7160% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,759 |
| Loan loss allowance to noncurrent loans | 168.5912% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 3,247 |
| Noncurrent loans to loans | 0.6727% | 3,051 |
| Net loans and leases to total assets | 67.9097% | 2,787 |
| Net loans and leases to deposits | 78.5385% | 3,102 |
| Net loans and leases to core deposits | 81.6710% | 3,305 |
| Total domestic deposits to total assets | 86.4667% | 2,188 |
| Equity capital to assets | 12.3673% | 1,858 |
| Core capital (leverage) ratio | 11.6273% | 1,891 |
| Tier 1 risk-based capital ratio | 19.2161% | 1,647 |
| Total risk-based capital ratio | 20.4668% | 1,609 |
| Memoranda: | ||
| Average total assets | $284,640,670 | 2,270 |
| Average earning assets | $268,960,000 | 2,241 |
| Average equity | $34,525,000 | 2,118 |
| Average total loans | $190,399,330 | 2,206 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 1,285 |
| Cost of funding earning assets | 0.3797% | 3,300 |
| Net interest margin | 4.2116% | 1,072 |
| Noninterest income to average assets | 0.7584% | 1,783 |
| Noninterest expense to average assets | 3.3465% | 1,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3939% | 1,045 |
| Return on assets (ROA) | 1.3939% | 1,106 |
| Pretax return on assets | 1.3939% | 1,921 |
| Return on Equity (ROE) | 11.6038% | 1,425 |
| Retained earnings to average equity (ytd only) | 5.9065% | 2,420 |
| Net charge-offs to loans | 0.0339% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 62.3750% | 757 |
| Efficiency ratio | 70.5952% | 3,029 |
| Assets per employee ($millions) | 2.8006% | 5,680 |
| Cash dividends to net income (ytd only)* | 49.0982% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,707 |
| Loan loss allowance to noncurrent loans | 188.7179% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6689% | 3,052 |
| Noncurrent loans to loans | 0.6155% | 3,328 |
| Net loans and leases to total assets | 66.4247% | 2,887 |
| Net loans and leases to deposits | 76.4748% | 3,165 |
| Net loans and leases to core deposits | 78.9256% | 3,412 |
| Total domestic deposits to total assets | 86.8583% | 2,270 |
| Equity capital to assets | 12.3222% | 1,810 |
| Core capital (leverage) ratio | 11.8243% | 1,729 |
| Tier 1 risk-based capital ratio | 19.4681% | 1,619 |
| Total risk-based capital ratio | 20.7187% | 1,586 |
| Memoranda: | ||
| Average total assets | $286,389,000 | 2,268 |
| Average earning assets | $270,773,000 | 2,236 |
| Average equity | $34,402,500 | 2,120 |
| Average total loans | $189,042,000 | 2,221 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,367 |
| Cost of funding earning assets | 0.3788% | 3,385 |
| Net interest margin | 4.2096% | 1,149 |
| Noninterest income to average assets | 0.8270% | 1,686 |
| Noninterest expense to average assets | 3.2141% | 1,937 |
| Loan and lease loss provision to assets | 0.0014% | 4,360 |
| Net operating income to assets | 1.5865% | 729 |
| Return on assets (ROA) | 1.6180% | 697 |
| Pretax return on assets | 1.6180% | 1,199 |
| Return on Equity (ROE) | 13.5609% | 936 |
| Retained earnings to average equity (ytd only) | 3.5072% | 3,566 |
| Net charge-offs to loans | -0.0796% | 5,709 |
| Credit loss provision to net charge-offs | -2.8169% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9316% | 3,761 |
| Assets per employee ($millions) | 2.9284% | 5,587 |
| Cash dividends to net income (ytd only)* | 74.1372% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,573 |
| Loan loss allowance to noncurrent loans | 227.6356% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 3,293 |
| Noncurrent loans to loans | 0.5197% | 3,614 |
| Net loans and leases to total assets | 64.0743% | 3,265 |
| Net loans and leases to deposits | 73.1052% | 3,601 |
| Net loans and leases to core deposits | 77.0345% | 3,665 |
| Total domestic deposits to total assets | 87.6467% | 1,821 |
| Equity capital to assets | 11.7103% | 2,186 |
| Core capital (leverage) ratio | 11.6403% | 1,862 |
| Tier 1 risk-based capital ratio | 19.6450% | 1,555 |
| Total risk-based capital ratio | 20.8963% | 1,527 |
| Memoranda: | ||
| Average total assets | $282,942,000 | 2,248 |
| Average earning assets | $267,172,200 | 2,220 |
| Average equity | $33,758,800 | 2,109 |
| Average total loans | $178,416,800 | 2,258 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 1,404 |
| Cost of funding earning assets | 0.3767% | 3,475 |
| Net interest margin | 4.1965% | 1,174 |
| Noninterest income to average assets | 0.8151% | 1,749 |
| Noninterest expense to average assets | 3.1905% | 1,996 |
| Loan and lease loss provision to assets | 0.0019% | 4,206 |
| Net operating income to assets | 1.5841% | 797 |
| Return on assets (ROA) | 1.5851% | 836 |
| Pretax return on assets | 1.5851% | 1,426 |
| Return on Equity (ROE) | 13.2219% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.2168% | 2,766 |
| Net charge-offs to loans | -0.1288% | 5,878 |
| Credit loss provision to net charge-offs | -2.3529% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7957% | 3,752 |
| Assets per employee ($millions) | 2.7909% | 5,765 |
| Cash dividends to net income (ytd only)* | 60.5445% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 3,643 |
| Loan loss allowance to noncurrent loans | 241.6309% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 3,564 |
| Noncurrent loans to loans | 0.4976% | 3,856 |
| Net loans and leases to total assets | 65.6491% | 3,067 |
| Net loans and leases to deposits | 75.4195% | 3,379 |
| Net loans and leases to core deposits | 80.3994% | 3,397 |
| Total domestic deposits to total assets | 87.0453% | 2,017 |
| Equity capital to assets | 12.2239% | 1,935 |
| Core capital (leverage) ratio | 11.7762% | 1,837 |
| Tier 1 risk-based capital ratio | 19.8431% | 1,590 |
| Total risk-based capital ratio | 21.0942% | 1,550 |
| Memoranda: | ||
| Average total assets | $281,198,750 | 2,275 |
| Average earning assets | $265,455,500 | 2,250 |
| Average equity | $33,711,000 | 2,120 |
| Average total loans | $176,024,750 | 2,289 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 1,749 |
| Cost of funding earning assets | 0.3515% | 3,790 |
| Net interest margin | 4.0783% | 1,417 |
| Noninterest income to average assets | 0.8001% | 1,779 |
| Noninterest expense to average assets | 3.1626% | 2,088 |
| Loan and lease loss provision to assets | 0.0028% | 4,026 |
| Net operating income to assets | 1.4834% | 928 |
| Return on assets (ROA) | 1.4849% | 973 |
| Pretax return on assets | 1.4849% | 1,689 |
| Return on Equity (ROE) | 12.4678% | 1,237 |
| Retained earnings to average equity (ytd only) | 3.4247% | 3,865 |
| Net charge-offs to loans | 0.0116% | 3,503 |
| Credit loss provision to net charge-offs | 40.0000% | 2,810 |
| Earnings coverage of net charge-offs (x) | 208.8000% | 337 |
| Efficiency ratio | 68.0294% | 3,666 |
| Assets per employee ($millions) | 2.8272% | 5,792 |
| Cash dividends to net income (ytd only)* | 72.5312% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 4,125 |
| Loan loss allowance to noncurrent loans | 225.7081% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 3,675 |
| Noncurrent loans to loans | 0.5060% | 3,941 |
| Net loans and leases to total assets | 64.0773% | 3,256 |
| Net loans and leases to deposits | 73.3770% | 3,570 |
| Net loans and leases to core deposits | 77.8907% | 3,590 |
| Total domestic deposits to total assets | 87.3262% | 2,000 |
| Equity capital to assets | 11.9871% | 2,039 |
| Core capital (leverage) ratio | 11.6031% | 1,922 |
| Tier 1 risk-based capital ratio | 19.7436% | 1,612 |
| Total risk-based capital ratio | 20.9933% | 1,571 |
| Memoranda: | ||
| Average total assets | $280,971,000 | 2,296 |
| Average earning assets | $265,161,670 | 2,268 |
| Average equity | $33,462,330 | 2,135 |
| Average total loans | $172,264,670 | 2,346 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 1,985 |
| Cost of funding earning assets | 0.3344% | 4,048 |
| Net interest margin | 4.0006% | 1,549 |
| Noninterest income to average assets | 0.8199% | 1,631 |
| Noninterest expense to average assets | 3.1473% | 2,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4465% | 947 |
| Return on assets (ROA) | 1.4465% | 1,007 |
| Pretax return on assets | 1.4465% | 1,732 |
| Return on Equity (ROE) | 12.1850% | 1,295 |
| Retained earnings to average equity (ytd only) | 7.0381% | 1,998 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5122% | 3,737 |
| Assets per employee ($millions) | 2.8178% | 5,866 |
| Cash dividends to net income (ytd only)* | 42.2397% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,844 |
| Loan loss allowance to noncurrent loans | 255.5966% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 3,867 |
| Noncurrent loans to loans | 0.4770% | 4,149 |
| Net loans and leases to total assets | 60.3531% | 3,600 |
| Net loans and leases to deposits | 69.4392% | 3,808 |
| Net loans and leases to core deposits | 71.9412% | 3,969 |
| Total domestic deposits to total assets | 86.9150% | 2,418 |
| Equity capital to assets | 12.1971% | 1,891 |
| Core capital (leverage) ratio | 11.6009% | 1,925 |
| Tier 1 risk-based capital ratio | 21.0643% | 1,410 |
| Total risk-based capital ratio | 22.3158% | 1,384 |
| Memoranda: | ||
| Average total assets | $281,510,000 | 2,306 |
| Average earning assets | $265,560,000 | 2,279 |
| Average equity | $33,418,000 | 2,153 |
| Average total loans | $167,687,000 | 2,396 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 2,063 |
| Cost of funding earning assets | 0.3406% | 4,361 |
| Net interest margin | 4.1109% | 1,547 |
| Noninterest income to average assets | 0.8293% | 1,755 |
| Noninterest expense to average assets | 3.2018% | 2,212 |
| Loan and lease loss provision to assets | 0.0344% | 3,906 |
| Net operating income to assets | 1.4619% | 954 |
| Return on assets (ROA) | 1.4974% | 921 |
| Pretax return on assets | 1.4974% | 1,551 |
| Return on Equity (ROE) | 12.8638% | 1,171 |
| Retained earnings to average equity (ytd only) | 3.4583% | 3,747 |
| Net charge-offs to loans | 0.0260% | 4,303 |
| Credit loss provision to net charge-offs | 229.2683% | 1,097 |
| Earnings coverage of net charge-offs (x) | 99.6341% | 527 |
| Efficiency ratio | 68.1506% | 3,875 |
| Assets per employee ($millions) | 2.8986% | 5,833 |
| Cash dividends to net income (ytd only)* | 73.1164% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,669 |
| Loan loss allowance to noncurrent loans | 231.4031% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 3,885 |
| Noncurrent loans to loans | 0.5445% | 4,029 |
| Net loans and leases to total assets | 57.3319% | 4,145 |
| Net loans and leases to deposits | 66.0884% | 4,314 |
| Net loans and leases to core deposits | 68.1827% | 4,484 |
| Total domestic deposits to total assets | 86.7503% | 2,418 |
| Equity capital to assets | 11.5507% | 2,384 |
| Core capital (leverage) ratio | 11.5231% | 1,960 |
| Tier 1 risk-based capital ratio | 21.1962% | 1,358 |
| Total risk-based capital ratio | 22.4479% | 1,334 |
| Memoranda: | ||
| Average total assets | $273,005,200 | 2,335 |
| Average earning assets | $256,926,400 | 2,296 |
| Average equity | $31,779,000 | 2,177 |
| Average total loans | $157,574,000 | 2,460 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 1,969 |
| Cost of funding earning assets | 0.3416% | 4,440 |
| Net interest margin | 4.1306% | 1,486 |
| Noninterest income to average assets | 0.8185% | 1,822 |
| Noninterest expense to average assets | 3.2207% | 2,119 |
| Loan and lease loss provision to assets | 0.0306% | 3,799 |
| Net operating income to assets | 1.4510% | 1,024 |
| Return on assets (ROA) | 1.4564% | 1,053 |
| Pretax return on assets | 1.4564% | 1,788 |
| Return on Equity (ROE) | 12.4866% | 1,343 |
| Retained earnings to average equity (ytd only) | 4.0861% | 3,741 |
| Net charge-offs to loans | 0.0146% | 4,265 |
| Credit loss provision to net charge-offs | 364.7059% | 774 |
| Earnings coverage of net charge-offs (x) | 176.6167% | 356 |
| Efficiency ratio | 68.4923% | 3,762 |
| Assets per employee ($millions) | 2.8090% | 5,952 |
| Cash dividends to net income (ytd only)* | 67.2764% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,951 |
| Loan loss allowance to noncurrent loans | 218.3544% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 3,995 |
| Noncurrent loans to loans | 0.5724% | 4,200 |
| Net loans and leases to total assets | 59.4053% | 3,884 |
| Net loans and leases to deposits | 68.6688% | 4,058 |
| Net loans and leases to core deposits | 70.7560% | 4,266 |
| Total domestic deposits to total assets | 86.5100% | 2,584 |
| Equity capital to assets | 11.7358% | 2,277 |
| Core capital (leverage) ratio | 11.8348% | 1,807 |
| Tier 1 risk-based capital ratio | 20.5820% | 1,534 |
| Total risk-based capital ratio | 21.8333% | 1,498 |
| Memoranda: | ||
| Average total assets | $270,241,500 | 2,373 |
| Average earning assets | $254,098,500 | 2,327 |
| Average equity | $31,521,000 | 2,196 |
| Average total loans | $155,733,750 | 2,495 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 2,204 |
| Cost of funding earning assets | 0.3438% | 4,498 |
| Net interest margin | 4.0478% | 1,668 |
| Noninterest income to average assets | 0.8281% | 1,744 |
| Noninterest expense to average assets | 3.2172% | 2,140 |
| Loan and lease loss provision to assets | 0.0462% | 3,390 |
| Net operating income to assets | 1.3703% | 1,136 |
| Return on assets (ROA) | 1.3785% | 1,158 |
| Pretax return on assets | 1.3785% | 1,976 |
| Return on Equity (ROE) | 11.8430% | 1,469 |
| Retained earnings to average equity (ytd only) | 1.8875% | 4,943 |
| Net charge-offs to loans | 0.0144% | 3,948 |
| Credit loss provision to net charge-offs | 563.6364% | 537 |
| Earnings coverage of net charge-offs (x) | 172.9091% | 366 |
| Efficiency ratio | 69.4311% | 3,753 |
| Assets per employee ($millions) | 2.7795% | 6,051 |
| Cash dividends to net income (ytd only)* | 84.0627% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 3,742 |
| Loan loss allowance to noncurrent loans | 217.8384% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 4,085 |
| Noncurrent loans to loans | 0.6067% | 4,204 |
| Net loans and leases to total assets | 58.0862% | 3,982 |
| Net loans and leases to deposits | 66.3560% | 4,237 |
| Net loans and leases to core deposits | 68.5091% | 4,410 |
| Total domestic deposits to total assets | 87.5373% | 2,179 |
| Equity capital to assets | 11.9002% | 2,063 |
| Core capital (leverage) ratio | 11.5838% | 1,936 |
| Tier 1 risk-based capital ratio | 21.0377% | 1,440 |
| Total risk-based capital ratio | 22.2900% | 1,415 |
| Memoranda: | ||
| Average total assets | $268,560,330 | 2,385 |
| Average earning assets | $252,483,330 | 2,335 |
| Average equity | $31,259,000 | 2,206 |
| Average total loans | $152,443,670 | 2,540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3357% | 2,387 |
| Cost of funding earning assets | 0.3422% | 4,620 |
| Net interest margin | 3.9934% | 1,790 |
| Noninterest income to average assets | 0.7943% | 1,777 |
| Noninterest expense to average assets | 3.1965% | 2,246 |
| Loan and lease loss provision to assets | 0.0520% | 3,061 |
| Net operating income to assets | 1.3050% | 1,199 |
| Return on assets (ROA) | 1.3050% | 1,245 |
| Pretax return on assets | 1.3050% | 2,072 |
| Return on Equity (ROE) | 11.3377% | 1,587 |
| Retained earnings to average equity (ytd only) | 4.2049% | 3,606 |
| Net charge-offs to loans | 0.0053% | 3,553 |
| Credit loss provision to net charge-offs | 1,750.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 91 |
| Efficiency ratio | 70.1989% | 3,803 |
| Assets per employee ($millions) | 2.8554% | 6,040 |
| Cash dividends to net income (ytd only)* | 62.9124% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 3,785 |
| Loan loss allowance to noncurrent loans | 245.5847% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 4,377 |
| Noncurrent loans to loans | 0.5544% | 4,501 |
| Net loans and leases to total assets | 55.5448% | 4,203 |
| Net loans and leases to deposits | 63.1868% | 4,412 |
| Net loans and leases to core deposits | 64.8784% | 4,607 |
| Total domestic deposits to total assets | 87.9057% | 2,285 |
| Equity capital to assets | 11.7363% | 2,071 |
| Core capital (leverage) ratio | 11.6759% | 1,844 |
| Tier 1 risk-based capital ratio | 22.0373% | 1,290 |
| Total risk-based capital ratio | 23.2899% | 1,263 |
| Memoranda: | ||
| Average total assets | $269,422,500 | 2,384 |
| Average earning assets | $253,618,000 | 2,331 |
| Average equity | $31,011,500 | 2,210 |
| Average total loans | $150,130,000 | 2,583 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 2,368 |
| Cost of funding earning assets | 0.4068% | 4,570 |
| Net interest margin | 4.0504% | 1,804 |
| Noninterest income to average assets | 0.9525% | 1,519 |
| Noninterest expense to average assets | 3.1642% | 2,536 |
| Loan and lease loss provision to assets | 0.0569% | 4,006 |
| Net operating income to assets | 1.5476% | 757 |
| Return on assets (ROA) | 1.5619% | 766 |
| Pretax return on assets | 1.5619% | 1,266 |
| Return on Equity (ROE) | 13.3905% | 1,091 |
| Retained earnings to average equity (ytd only) | 1.8548% | 4,917 |
| Net charge-offs to loans | 0.2303% | 2,616 |
| Credit loss provision to net charge-offs | 45.7576% | 3,921 |
| Earnings coverage of net charge-offs (x) | 12.9000% | 2,087 |
| Efficiency ratio | 66.3531% | 4,499 |
| Assets per employee ($millions) | 2.8770% | 6,009 |
| Cash dividends to net income (ytd only)* | 86.1486% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 3,851 |
| Loan loss allowance to noncurrent loans | 229.8524% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 4,426 |
| Noncurrent loans to loans | 0.5908% | 4,506 |
| Net loans and leases to total assets | 54.3899% | 4,538 |
| Net loans and leases to deposits | 62.6647% | 4,659 |
| Net loans and leases to core deposits | 64.3775% | 4,834 |
| Total domestic deposits to total assets | 86.7951% | 2,833 |
| Equity capital to assets | 11.2861% | 2,355 |
| Core capital (leverage) ratio | 11.7925% | 1,762 |
| Tier 1 risk-based capital ratio | 22.0944% | 1,241 |
| Total risk-based capital ratio | 23.3467% | 1,214 |
| Memoranda: | ||
| Average total assets | $265,311,000 | 2,390 |
| Average earning assets | $249,972,800 | 2,324 |
| Average equity | $30,947,400 | 2,198 |
| Average total loans | $143,310,000 | 2,652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 2,514 |
| Cost of funding earning assets | 0.4251% | 4,555 |
| Net interest margin | 3.9989% | 1,946 |
| Noninterest income to average assets | 0.9852% | 1,493 |
| Noninterest expense to average assets | 3.1602% | 2,478 |
| Loan and lease loss provision to assets | 0.0763% | 3,532 |
| Net operating income to assets | 1.5154% | 872 |
| Return on assets (ROA) | 1.5346% | 887 |
| Pretax return on assets | 1.5346% | 1,509 |
| Return on Equity (ROE) | 13.0480% | 1,221 |
| Retained earnings to average equity (ytd only) | -0.6097% | 6,063 |
| Net charge-offs to loans | 0.2669% | 2,214 |
| Credit loss provision to net charge-offs | 53.1690% | 3,435 |
| Earnings coverage of net charge-offs (x) | 11.0985% | 2,280 |
| Efficiency ratio | 66.5037% | 4,396 |
| Assets per employee ($millions) | 2.7558% | 6,209 |
| Cash dividends to net income (ytd only)* | 104.6726% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 3,776 |
| Loan loss allowance to noncurrent loans | 113.6663% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 1.0021% | 3,653 |
| Noncurrent loans to loans | 1.2565% | 3,298 |
| Net loans and leases to total assets | 55.1764% | 4,432 |
| Net loans and leases to deposits | 62.8925% | 4,643 |
| Net loans and leases to core deposits | 64.6728% | 4,827 |
| Total domestic deposits to total assets | 87.7313% | 2,282 |
| Equity capital to assets | 11.6704% | 2,154 |
| Core capital (leverage) ratio | 11.5453% | 2,001 |
| Tier 1 risk-based capital ratio | 21.9373% | 1,329 |
| Total risk-based capital ratio | 23.1910% | 1,314 |
| Memoranda: | ||
| Average total assets | $264,029,250 | 2,419 |
| Average earning assets | $248,696,250 | 2,346 |
| Average equity | $31,053,750 | 2,210 |
| Average total loans | $141,858,500 | 2,685 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 2,797 |
| Cost of funding earning assets | 0.4406% | 4,537 |
| Net interest margin | 3.8975% | 2,216 |
| Noninterest income to average assets | 0.9658% | 1,613 |
| Noninterest expense to average assets | 3.1262% | 2,587 |
| Loan and lease loss provision to assets | 0.0685% | 3,673 |
| Net operating income to assets | 1.4468% | 992 |
| Return on assets (ROA) | 1.4468% | 1,069 |
| Pretax return on assets | 1.4468% | 1,776 |
| Return on Equity (ROE) | 12.2703% | 1,414 |
| Retained earnings to average equity (ytd only) | -5.5606% | 6,492 |
| Net charge-offs to loans | 0.3594% | 1,763 |
| Credit loss provision to net charge-offs | 35.9684% | 3,489 |
| Earnings coverage of net charge-offs (x) | 7.9565% | 2,474 |
| Efficiency ratio | 67.3532% | 4,299 |
| Assets per employee ($millions) | 2.8531% | 6,090 |
| Cash dividends to net income (ytd only)* | 145.3174% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 3,862 |
| Loan loss allowance to noncurrent loans | 109.1395% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 3,761 |
| Noncurrent loans to loans | 1.3162% | 3,356 |
| Net loans and leases to total assets | 53.3790% | 4,682 |
| Net loans and leases to deposits | 60.6132% | 4,903 |
| Net loans and leases to core deposits | 62.6499% | 5,043 |
| Total domestic deposits to total assets | 88.0650% | 2,200 |
| Equity capital to assets | 11.3064% | 2,457 |
| Core capital (leverage) ratio | 11.0856% | 2,277 |
| Tier 1 risk-based capital ratio | 21.9015% | 1,301 |
| Total risk-based capital ratio | 23.1497% | 1,280 |
| Memoranda: | ||
| Average total assets | $265,689,330 | 2,408 |
| Average earning assets | $250,572,000 | 2,341 |
| Average equity | $31,327,670 | 2,197 |
| Average total loans | $140,809,670 | 2,705 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 3,003 |
| Cost of funding earning assets | 0.4476% | 4,621 |
| Net interest margin | 3.8287% | 2,351 |
| Noninterest income to average assets | 0.9787% | 1,525 |
| Noninterest expense to average assets | 3.0873% | 2,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5010% | 854 |
| Return on assets (ROA) | 1.5010% | 932 |
| Pretax return on assets | 1.5010% | 1,547 |
| Return on Equity (ROE) | 12.4780% | 1,304 |
| Retained earnings to average equity (ytd only) | -17.4294% | 6,802 |
| Net charge-offs to loans | 0.1113% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.7179% | 1,043 |
| Efficiency ratio | 67.2864% | 4,449 |
| Assets per employee ($millions) | 2.9046% | 6,142 |
| Cash dividends to net income (ytd only)* | 239.6810% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 3,551 |
| Loan loss allowance to noncurrent loans | 94.0895% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 3,576 |
| Noncurrent loans to loans | 1.6631% | 3,050 |
| Net loans and leases to total assets | 50.9662% | 4,849 |
| Net loans and leases to deposits | 58.0384% | 5,028 |
| Net loans and leases to core deposits | 59.8324% | 5,163 |
| Total domestic deposits to total assets | 87.8146% | 2,447 |
| Equity capital to assets | 11.7157% | 2,244 |
| Core capital (leverage) ratio | 10.9560% | 2,298 |
| Tier 1 risk-based capital ratio | 22.4626% | 1,248 |
| Total risk-based capital ratio | 23.7181% | 1,232 |
| Memoranda: | ||
| Average total assets | $267,289,500 | 2,421 |
| Average earning assets | $251,990,500 | 2,354 |
| Average equity | $32,152,500 | 2,171 |
| Average total loans | $140,136,500 | 2,729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6870% | 2,646 |
| Cost of funding earning assets | 0.5760% | 4,578 |
| Net interest margin | 4.1110% | 1,958 |
| Noninterest income to average assets | 0.9401% | 1,741 |
| Noninterest expense to average assets | 3.0917% | 2,954 |
| Loan and lease loss provision to assets | 0.1235% | 4,077 |
| Net operating income to assets | 1.5819% | 781 |
| Return on assets (ROA) | 1.5819% | 863 |
| Pretax return on assets | 1.5819% | 1,433 |
| Return on Equity (ROE) | 13.4773% | 1,108 |
| Retained earnings to average equity (ytd only) | 2.8234% | 4,248 |
| Net charge-offs to loans | 0.0885% | 4,792 |
| Credit loss provision to net charge-offs | 259.0551% | 927 |
| Earnings coverage of net charge-offs (x) | 35.7795% | 879 |
| Efficiency ratio | 64.4500% | 4,806 |
| Assets per employee ($millions) | 3.0040% | 6,008 |
| Cash dividends to net income (ytd only)* | 79.0510% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 3,506 |
| Loan loss allowance to noncurrent loans | 132.6113% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 4,241 |
| Noncurrent loans to loans | 1.1711% | 3,896 |
| Net loans and leases to total assets | 52.2563% | 4,893 |
| Net loans and leases to deposits | 59.9263% | 5,031 |
| Net loans and leases to core deposits | 61.6224% | 5,200 |
| Total domestic deposits to total assets | 87.2010% | 2,702 |
| Equity capital to assets | 12.3423% | 1,831 |
| Core capital (leverage) ratio | 11.6724% | 1,749 |
| Tier 1 risk-based capital ratio | 23.0689% | 1,104 |
| Total risk-based capital ratio | 24.3248% | 1,085 |
| Memoranda: | ||
| Average total assets | $266,453,200 | 2,383 |
| Average earning assets | $249,989,600 | 2,325 |
| Average equity | $31,274,800 | 2,185 |
| Average total loans | $143,484,600 | 2,674 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 2,645 |
| Cost of funding earning assets | 0.6009% | 4,640 |
| Net interest margin | 4.1334% | 1,955 |
| Noninterest income to average assets | 0.9661% | 1,612 |
| Noninterest expense to average assets | 3.1241% | 2,812 |
| Loan and lease loss provision to assets | 0.1412% | 3,765 |
| Net operating income to assets | 1.5761% | 902 |
| Return on assets (ROA) | 1.5761% | 999 |
| Pretax return on assets | 1.5761% | 1,655 |
| Return on Equity (ROE) | 13.6036% | 1,198 |
| Retained earnings to average equity (ytd only) | -0.7997% | 6,246 |
| Net charge-offs to loans | 0.0806% | 4,591 |
| Credit loss provision to net charge-offs | 324.1379% | 827 |
| Earnings coverage of net charge-offs (x) | 39.4128% | 888 |
| Efficiency ratio | 64.5288% | 4,709 |
| Assets per employee ($millions) | 2.8589% | 6,279 |
| Cash dividends to net income (ytd only)* | 105.8786% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 3,630 |
| Loan loss allowance to noncurrent loans | 142.7550% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8714% | 4,542 |
| Noncurrent loans to loans | 1.1022% | 4,222 |
| Net loans and leases to total assets | 52.8260% | 4,940 |
| Net loans and leases to deposits | 60.7329% | 5,118 |
| Net loans and leases to core deposits | 63.3111% | 5,228 |
| Total domestic deposits to total assets | 86.9809% | 2,682 |
| Equity capital to assets | 12.3772% | 1,979 |
| Core capital (leverage) ratio | 11.2659% | 2,166 |
| Tier 1 risk-based capital ratio | 22.2865% | 1,278 |
| Total risk-based capital ratio | 23.5369% | 1,264 |
| Memoranda: | ||
| Average total assets | $266,227,250 | 2,406 |
| Average earning assets | $249,600,000 | 2,351 |
| Average equity | $30,844,000 | 2,225 |
| Average total loans | $143,877,000 | 2,698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 2,705 |
| Cost of funding earning assets | 0.6167% | 4,749 |
| Net interest margin | 4.1372% | 1,948 |
| Noninterest income to average assets | 0.9797% | 1,516 |
| Noninterest expense to average assets | 3.0889% | 2,959 |
| Loan and lease loss provision to assets | 0.1827% | 3,277 |
| Net operating income to assets | 1.5843% | 859 |
| Return on assets (ROA) | 1.5843% | 964 |
| Pretax return on assets | 1.5843% | 1,588 |
| Return on Equity (ROE) | 13.9839% | 1,125 |
| Retained earnings to average equity (ytd only) | -7.9429% | 6,766 |
| Net charge-offs to loans | 0.1115% | 4,064 |
| Credit loss provision to net charge-offs | 302.4691% | 966 |
| Earnings coverage of net charge-offs (x) | 29.2593% | 1,087 |
| Efficiency ratio | 63.6112% | 4,966 |
| Assets per employee ($millions) | 2.8936% | 6,249 |
| Cash dividends to net income (ytd only)* | 156.8000% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,929 |
| Loan loss allowance to noncurrent loans | 169.0867% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 4,634 |
| Noncurrent loans to loans | 0.8979% | 4,701 |
| Net loans and leases to total assets | 53.3570% | 4,904 |
| Net loans and leases to deposits | 60.7678% | 5,166 |
| Net loans and leases to core deposits | 63.1107% | 5,290 |
| Total domestic deposits to total assets | 87.8047% | 2,277 |
| Equity capital to assets | 11.7217% | 2,392 |
| Core capital (leverage) ratio | 10.7042% | 2,590 |
| Tier 1 risk-based capital ratio | 21.0943% | 1,462 |
| Total risk-based capital ratio | 22.3490% | 1,436 |
| Memoranda: | ||
| Average total assets | $268,251,000 | 2,385 |
| Average earning assets | $251,328,000 | 2,345 |
| Average equity | $30,392,000 | 2,236 |
| Average total loans | $145,293,670 | 2,680 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 2,730 |
| Cost of funding earning assets | 0.6346% | 4,855 |
| Net interest margin | 4.1421% | 1,961 |
| Noninterest income to average assets | 0.9116% | 1,698 |
| Noninterest expense to average assets | 2.8989% | 3,628 |
| Loan and lease loss provision to assets | 0.2009% | 2,930 |
| Net operating income to assets | 1.6888% | 738 |
| Return on assets (ROA) | 1.6888% | 820 |
| Pretax return on assets | 1.6888% | 1,333 |
| Return on Equity (ROE) | 15.1614% | 943 |
| Retained earnings to average equity (ytd only) | -29.0362% | 7,125 |
| Net charge-offs to loans | 0.2728% | 2,580 |
| Credit loss provision to net charge-offs | 136.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 12.7900% | 1,575 |
| Efficiency ratio | 60.5369% | 5,538 |
| Assets per employee ($millions) | 2.9075% | 6,335 |
| Cash dividends to net income (ytd only)* | 291.5136% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,488 |
| Loan loss allowance to noncurrent loans | 125.8025% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 4,432 |
| Noncurrent loans to loans | 1.1337% | 4,447 |
| Net loans and leases to total assets | 52.6569% | 4,926 |
| Net loans and leases to deposits | 59.5067% | 5,212 |
| Net loans and leases to core deposits | 61.8172% | 5,343 |
| Total domestic deposits to total assets | 88.4890% | 2,016 |
| Equity capital to assets | 11.0254% | 2,876 |
| Core capital (leverage) ratio | 10.2320% | 3,072 |
| Tier 1 risk-based capital ratio | 20.1091% | 1,682 |
| Total risk-based capital ratio | 21.3693% | 1,653 |
| Memoranda: | ||
| Average total assets | $270,719,000 | 2,377 |
| Average earning assets | $253,396,500 | 2,338 |
| Average equity | $30,155,500 | 2,252 |
| Average total loans | $146,609,000 | 2,683 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 2,651 |
| Cost of funding earning assets | 0.7963% | 4,895 |
| Net interest margin | 4.2539% | 1,860 |
| Noninterest income to average assets | 0.8328% | 1,916 |
| Noninterest expense to average assets | 3.1007% | 3,192 |
| Loan and lease loss provision to assets | 0.2734% | 3,484 |
| Net operating income to assets | 0.9226% | 2,518 |
| Return on assets (ROA) | 0.9226% | 2,633 |
| Pretax return on assets | 1.4422% | 1,648 |
| Return on Equity (ROE) | 8.3641% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.3641% | 964 |
| Net charge-offs to loans | 0.1865% | 4,651 |
| Credit loss provision to net charge-offs | 258.7814% | 932 |
| Earnings coverage of net charge-offs (x) | 16.2366% | 1,345 |
| Efficiency ratio | 64.3784% | 5,059 |
| Assets per employee ($millions) | 3.0104% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 4,741 |
| Loan loss allowance to noncurrent loans | 120.6751% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 4,569 |
| Noncurrent loans to loans | 1.1036% | 4,505 |
| Net loans and leases to total assets | 54.1439% | 5,017 |
| Net loans and leases to deposits | 62.0633% | 5,236 |
| Net loans and leases to core deposits | 64.3208% | 5,435 |
| Total domestic deposits to total assets | 87.2398% | 2,618 |
| Equity capital to assets | 11.2500% | 2,742 |
| Core capital (leverage) ratio | 11.1930% | 2,124 |
| Tier 1 risk-based capital ratio | 20.5714% | 1,504 |
| Total risk-based capital ratio | 21.8256% | 1,471 |
| Memoranda: | ||
| Average total assets | $264,034,600 | 2,390 |
| Average earning assets | $247,253,200 | 2,334 |
| Average equity | $29,124,400 | 2,265 |
| Average total loans | $149,570,600 | 2,649 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 2,580 |
| Cost of funding earning assets | 0.8286% | 4,960 |
| Net interest margin | 4.2765% | 1,802 |
| Noninterest income to average assets | 0.8131% | 1,992 |
| Noninterest expense to average assets | 2.8745% | 4,037 |
| Loan and lease loss provision to assets | 0.3252% | 2,930 |
| Net operating income to assets | 1.1658% | 1,760 |
| Return on assets (ROA) | 1.1658% | 1,873 |
| Pretax return on assets | 1.6175% | 1,338 |
| Return on Equity (ROE) | 10.6243% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.6243% | 697 |
| Net charge-offs to loans | 0.2374% | 3,939 |
| Credit loss provision to net charge-offs | 239.8496% | 1,192 |
| Earnings coverage of net charge-offs (x) | 14.3270% | 1,539 |
| Efficiency ratio | 59.6720% | 5,772 |
| Assets per employee ($millions) | 2.9226% | 6,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,934 |
| Loan loss allowance to noncurrent loans | 115.6287% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 3,844 |
| Noncurrent loans to loans | 1.1382% | 4,641 |
| Net loans and leases to total assets | 55.0475% | 4,993 |
| Net loans and leases to deposits | 63.4712% | 5,242 |
| Net loans and leases to core deposits | 66.1551% | 5,396 |
| Total domestic deposits to total assets | 86.7283% | 2,803 |
| Equity capital to assets | 11.6985% | 2,499 |
| Core capital (leverage) ratio | 11.1973% | 2,235 |
| Tier 1 risk-based capital ratio | 20.9567% | 1,463 |
| Total risk-based capital ratio | 22.2066% | 1,439 |
| Memoranda: | ||
| Average total assets | $261,556,750 | 2,427 |
| Average earning assets | $244,900,750 | 2,353 |
| Average equity | $28,700,750 | 2,290 |
| Average total loans | $149,381,500 | 2,670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 2,636 |
| Cost of funding earning assets | 0.8560% | 5,015 |
| Net interest margin | 4.2523% | 1,835 |
| Noninterest income to average assets | 0.8090% | 1,976 |
| Noninterest expense to average assets | 2.8759% | 4,124 |
| Loan and lease loss provision to assets | 0.3685% | 2,585 |
| Net operating income to assets | 1.1193% | 1,821 |
| Return on assets (ROA) | 1.1193% | 1,901 |
| Pretax return on assets | 1.5490% | 1,379 |
| Return on Equity (ROE) | 10.4317% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.4317% | 759 |
| Net charge-offs to loans | 0.0253% | 5,471 |
| Credit loss provision to net charge-offs | 2,531.5789% | 127 |
| Earnings coverage of net charge-offs (x) | 131.7368% | 268 |
| Efficiency ratio | 59.9968% | 5,878 |
| Assets per employee ($millions) | 2.9567% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 4,700 |
| Loan loss allowance to noncurrent loans | 71.6413% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 3,801 |
| Noncurrent loans to loans | 1.9205% | 3,582 |
| Net loans and leases to total assets | 55.0530% | 5,139 |
| Net loans and leases to deposits | 63.4923% | 5,340 |
| Net loans and leases to core deposits | 66.3374% | 5,473 |
| Total domestic deposits to total assets | 86.7082% | 2,920 |
| Equity capital to assets | 11.1390% | 2,826 |
| Core capital (leverage) ratio | 10.7227% | 2,499 |
| Tier 1 risk-based capital ratio | 20.4624% | 1,520 |
| Total risk-based capital ratio | 21.7150% | 1,491 |
| Memoranda: | ||
| Average total assets | $261,064,670 | 2,448 |
| Average earning assets | $244,621,000 | 2,372 |
| Average equity | $28,010,670 | 2,311 |
| Average total loans | $150,267,330 | 2,680 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 2,652 |
| Cost of funding earning assets | 0.8700% | 5,134 |
| Net interest margin | 4.2298% | 1,806 |
| Noninterest income to average assets | 0.7984% | 2,042 |
| Noninterest expense to average assets | 2.8428% | 4,292 |
| Loan and lease loss provision to assets | 0.3754% | 2,314 |
| Net operating income to assets | 1.1122% | 1,799 |
| Return on assets (ROA) | 1.1122% | 1,854 |
| Pretax return on assets | 1.5368% | 1,339 |
| Return on Equity (ROE) | 10.5702% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.5702% | 978 |
| Net charge-offs to loans | 0.0105% | 4,945 |
| Credit loss provision to net charge-offs | 6,100.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 310.7500% | 94 |
| Efficiency ratio | 59.7865% | 6,014 |
| Assets per employee ($millions) | 2.8836% | 6,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,635 |
| Loan loss allowance to noncurrent loans | 53.1305% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 3,613 |
| Noncurrent loans to loans | 2.2586% | 3,243 |
| Net loans and leases to total assets | 55.8329% | 5,020 |
| Net loans and leases to deposits | 63.7802% | 5,279 |
| Net loans and leases to core deposits | 67.9493% | 5,295 |
| Total domestic deposits to total assets | 87.5396% | 2,642 |
| Equity capital to assets | 10.4622% | 3,224 |
| Core capital (leverage) ratio | 10.6928% | 2,441 |
| Tier 1 risk-based capital ratio | 19.1593% | 1,759 |
| Total risk-based capital ratio | 20.4113% | 1,725 |
| Memoranda: | ||
| Average total assets | $260,023,000 | 2,471 |
| Average earning assets | $243,225,500 | 2,418 |
| Average equity | $27,360,000 | 2,344 |
| Average total loans | $151,955,000 | 2,688 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4998% | 2,283 |
| Cost of funding earning assets | 1.1081% | 5,097 |
| Net interest margin | 4.3917% | 1,504 |
| Noninterest income to average assets | 0.8759% | 1,946 |
| Noninterest expense to average assets | 3.1916% | 3,125 |
| Loan and lease loss provision to assets | 0.5640% | 2,869 |
| Net operating income to assets | 0.8779% | 2,473 |
| Return on assets (ROA) | 0.9190% | 2,444 |
| Pretax return on assets | 1.2492% | 2,081 |
| Return on Equity (ROE) | 9.0287% | 2,275 |
| Retained earnings to average equity (ytd only) | 9.0287% | 693 |
| Net charge-offs to loans | 0.7923% | 2,659 |
| Credit loss provision to net charge-offs | 114.7826% | 3,781 |
| Earnings coverage of net charge-offs (x) | 3.5771% | 3,297 |
| Efficiency ratio | 64.4875% | 5,267 |
| Assets per employee ($millions) | 2.7102% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 6,324 |
| Loan loss allowance to noncurrent loans | 44.9668% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 1.9081% | 3,460 |
| Noncurrent loans to loans | 2.2514% | 3,271 |
| Net loans and leases to total assets | 59.8348% | 4,705 |
| Net loans and leases to deposits | 68.5269% | 5,034 |
| Net loans and leases to core deposits | 73.4296% | 5,053 |
| Total domestic deposits to total assets | 87.3158% | 2,655 |
| Equity capital to assets | 10.5846% | 3,080 |
| Core capital (leverage) ratio | 10.7528% | 2,349 |
| Tier 1 risk-based capital ratio | 18.5569% | 1,825 |
| Total risk-based capital ratio | 19.6362% | 1,840 |
| Memoranda: | ||
| Average total assets | $257,454,600 | 2,476 |
| Average earning assets | $238,792,200 | 2,437 |
| Average equity | $26,205,400 | 2,440 |
| Average total loans | $159,654,400 | 2,622 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5576% | 2,223 |
| Cost of funding earning assets | 1.1632% | 5,070 |
| Net interest margin | 4.3944% | 1,544 |
| Noninterest income to average assets | 0.8440% | 2,020 |
| Noninterest expense to average assets | 3.0656% | 3,509 |
| Loan and lease loss provision to assets | 0.5656% | 2,677 |
| Net operating income to assets | 0.9798% | 2,300 |
| Return on assets (ROA) | 1.0367% | 2,221 |
| Pretax return on assets | 1.3533% | 2,024 |
| Return on Equity (ROE) | 10.2859% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.2859% | 732 |
| Net charge-offs to loans | 0.9925% | 2,016 |
| Credit loss provision to net charge-offs | 91.3261% | 4,712 |
| Earnings coverage of net charge-offs (x) | 2.9791% | 3,641 |
| Efficiency ratio | 62.4277% | 5,535 |
| Assets per employee ($millions) | 2.6452% | 6,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8178% | 6,964 |
| Loan loss allowance to noncurrent loans | 41.2760% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8826% | 3,633 |
| Noncurrent loans to loans | 1.9814% | 3,705 |
| Net loans and leases to total assets | 61.8441% | 4,565 |
| Net loans and leases to deposits | 71.4954% | 4,909 |
| Net loans and leases to core deposits | 76.6455% | 4,973 |
| Total domestic deposits to total assets | 86.5009% | 2,805 |
| Equity capital to assets | 11.0305% | 2,931 |
| Core capital (leverage) ratio | 10.6264% | 2,568 |
| Tier 1 risk-based capital ratio | 18.7848% | 1,799 |
| Total risk-based capital ratio | 19.6853% | 1,852 |
| Memoranda: | ||
| Average total assets | $258,128,750 | 2,512 |
| Average earning assets | $238,872,500 | 2,479 |
| Average equity | $26,015,500 | 2,495 |
| Average total loans | $161,069,750 | 2,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4974% | 2,524 |
| Cost of funding earning assets | 1.2256% | 4,985 |
| Net interest margin | 4.2718% | 1,885 |
| Noninterest income to average assets | 0.9040% | 1,678 |
| Noninterest expense to average assets | 3.0679% | 3,437 |
| Loan and lease loss provision to assets | 0.5519% | 2,568 |
| Net operating income to assets | 0.9622% | 2,321 |
| Return on assets (ROA) | 0.9622% | 2,408 |
| Pretax return on assets | 1.2301% | 2,319 |
| Return on Equity (ROE) | 9.8415% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.8415% | 881 |
| Net charge-offs to loans | 1.1737% | 1,618 |
| Credit loss provision to net charge-offs | 75.3396% | 4,829 |
| Earnings coverage of net charge-offs (x) | 2.4326% | 3,778 |
| Efficiency ratio | 63.2576% | 5,472 |
| Assets per employee ($millions) | 2.7510% | 6,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 7,220 |
| Loan loss allowance to noncurrent loans | 23.4275% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 2.7166% | 2,656 |
| Noncurrent loans to loans | 3.0352% | 2,653 |
| Net loans and leases to total assets | 61.3406% | 4,812 |
| Net loans and leases to deposits | 71.6199% | 5,055 |
| Net loans and leases to core deposits | 78.0867% | 4,937 |
| Total domestic deposits to total assets | 85.6474% | 3,286 |
| Equity capital to assets | 10.1924% | 3,777 |
| Core capital (leverage) ratio | 9.8672% | 3,319 |
| Tier 1 risk-based capital ratio | 17.5719% | 2,083 |
| Total risk-based capital ratio | 18.3483% | 2,194 |
| Memoranda: | ||
| Average total assets | $261,289,670 | 2,493 |
| Average earning assets | $241,351,670 | 2,466 |
| Average equity | $25,545,000 | 2,533 |
| Average total loans | $163,079,330 | 2,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 2,913 |
| Cost of funding earning assets | 1.2607% | 5,060 |
| Net interest margin | 4.1657% | 2,170 |
| Noninterest income to average assets | 0.8529% | 1,803 |
| Noninterest expense to average assets | 3.0963% | 3,277 |
| Loan and lease loss provision to assets | 0.5468% | 2,315 |
| Net operating income to assets | 0.7981% | 2,969 |
| Return on assets (ROA) | 0.7981% | 3,079 |
| Pretax return on assets | 1.0646% | 2,864 |
| Return on Equity (ROE) | 8.3376% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.3376% | 1,579 |
| Net charge-offs to loans | 0.0874% | 4,547 |
| Credit loss provision to net charge-offs | 997.2222% | 471 |
| Earnings coverage of net charge-offs (x) | 29.3889% | 884 |
| Efficiency ratio | 65.7716% | 5,168 |
| Assets per employee ($millions) | 2.7855% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 6,306 |
| Loan loss allowance to noncurrent loans | 35.5644% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 2.4817% | 2,921 |
| Noncurrent loans to loans | 2.9092% | 2,771 |
| Net loans and leases to total assets | 61.9194% | 4,776 |
| Net loans and leases to deposits | 71.7308% | 5,089 |
| Net loans and leases to core deposits | 78.1992% | 4,999 |
| Total domestic deposits to total assets | 86.3220% | 2,973 |
| Equity capital to assets | 9.6568% | 4,295 |
| Core capital (leverage) ratio | 9.5887% | 3,656 |
| Tier 1 risk-based capital ratio | 16.6330% | 2,400 |
| Total risk-based capital ratio | 17.7627% | 2,394 |
| Memoranda: | ||
| Average total assets | $262,637,500 | 2,544 |
| Average earning assets | $243,034,500 | 2,509 |
| Average equity | $25,139,000 | 2,602 |
| Average total loans | $164,739,500 | 2,691 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9346% | 2,106 |
| Cost of funding earning assets | 1.7168% | 4,421 |
| Net interest margin | 4.2178% | 2,009 |
| Noninterest income to average assets | 0.8913% | 1,977 |
| Noninterest expense to average assets | 3.2426% | 3,218 |
| Loan and lease loss provision to assets | 0.5621% | 3,563 |
| Net operating income to assets | 0.7260% | 2,829 |
| Return on assets (ROA) | 0.7283% | 2,894 |
| Pretax return on assets | 0.9981% | 2,600 |
| Return on Equity (ROE) | 7.9204% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.9204% | 720 |
| Net charge-offs to loans | 0.4923% | 3,800 |
| Credit loss provision to net charge-offs | 173.2057% | 2,447 |
| Earnings coverage of net charge-offs (x) | 4.7978% | 2,815 |
| Efficiency ratio | 67.5590% | 5,084 |
| Assets per employee ($millions) | 2.7730% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 7,050 |
| Loan loss allowance to noncurrent loans | 44.0591% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 1.7165% | 3,794 |
| Noncurrent loans to loans | 1.8798% | 3,830 |
| Net loans and leases to total assets | 62.3615% | 4,917 |
| Net loans and leases to deposits | 72.0623% | 5,316 |
| Net loans and leases to core deposits | 94.1779% | 4,656 |
| Total domestic deposits to total assets | 86.5384% | 2,738 |
| Equity capital to assets | 9.4872% | 4,428 |
| Core capital (leverage) ratio | 9.5092% | 3,705 |
| Tier 1 risk-based capital ratio | 16.1928% | 2,438 |
| Total risk-based capital ratio | 17.1025% | 2,519 |
| Memoranda: | ||
| Average total assets | $257,599,600 | 2,541 |
| Average earning assets | $238,702,000 | 2,511 |
| Average equity | $23,685,800 | 2,772 |
| Average total loans | $169,810,800 | 2,619 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9945% | 2,060 |
| Cost of funding earning assets | 1.8215% | 4,281 |
| Net interest margin | 4.1730% | 2,145 |
| Noninterest income to average assets | 0.8865% | 2,040 |
| Noninterest expense to average assets | 3.2440% | 3,144 |
| Loan and lease loss provision to assets | 0.6751% | 2,711 |
| Net operating income to assets | 0.5335% | 3,854 |
| Return on assets (ROA) | 0.5335% | 3,940 |
| Pretax return on assets | 0.8396% | 3,411 |
| Return on Equity (ROE) | 5.8506% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.8506% | 2,020 |
| Net charge-offs to loans | 0.2287% | 4,627 |
| Credit loss provision to net charge-offs | 442.6621% | 894 |
| Earnings coverage of net charge-offs (x) | 9.9317% | 2,037 |
| Efficiency ratio | 68.1689% | 4,931 |
| Assets per employee ($millions) | 2.5837% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 6,068 |
| Loan loss allowance to noncurrent loans | 58.7608% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.5220% | 4,083 |
| Noncurrent loans to loans | 1.7674% | 3,970 |
| Net loans and leases to total assets | 65.7143% | 4,485 |
| Net loans and leases to deposits | 76.6721% | 4,943 |
| Net loans and leases to core deposits | 100.2756% | 4,340 |
| Total domestic deposits to total assets | 85.7082% | 2,860 |
| Equity capital to assets | 9.4967% | 4,749 |
| Core capital (leverage) ratio | 9.2232% | 4,303 |
| Tier 1 risk-based capital ratio | 14.8954% | 3,094 |
| Total risk-based capital ratio | 16.0095% | 3,106 |
| Memoranda: | ||
| Average total assets | $256,140,000 | 2,560 |
| Average earning assets | $237,680,250 | 2,545 |
| Average equity | $23,359,000 | 2,823 |
| Average total loans | $170,849,500 | 2,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0267% | 2,071 |
| Cost of funding earning assets | 1.9486% | 4,008 |
| Net interest margin | 4.0782% | 2,395 |
| Noninterest income to average assets | 0.8687% | 2,100 |
| Noninterest expense to average assets | 3.3505% | 2,788 |
| Loan and lease loss provision to assets | 0.9342% | 1,806 |
| Net operating income to assets | 0.0578% | 5,687 |
| Return on assets (ROA) | 0.0578% | 5,774 |
| Pretax return on assets | 0.3637% | 5,036 |
| Return on Equity (ROE) | 0.6421% | 5,742 |
| Retained earnings to average equity (ytd only) | 0.6421% | 4,934 |
| Net charge-offs to loans | 0.3119% | 3,631 |
| Credit loss provision to net charge-offs | 448.3146% | 1,037 |
| Earnings coverage of net charge-offs (x) | 6.2285% | 2,663 |
| Efficiency ratio | 72.0786% | 4,396 |
| Assets per employee ($millions) | 2.4618% | 7,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,317 |
| Loan loss allowance to noncurrent loans | 47.0883% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 1.7881% | 3,493 |
| Noncurrent loans to loans | 2.1034% | 3,375 |
| Net loans and leases to total assets | 67.2790% | 4,296 |
| Net loans and leases to deposits | 75.1203% | 5,301 |
| Net loans and leases to core deposits | 97.9823% | 4,701 |
| Total domestic deposits to total assets | 89.5617% | 1,015 |
| Equity capital to assets | 9.1201% | 5,140 |
| Core capital (leverage) ratio | 8.6925% | 5,100 |
| Tier 1 risk-based capital ratio | 14.4978% | 3,243 |
| Total risk-based capital ratio | 15.5814% | 3,274 |
| Memoranda: | ||
| Average total assets | $256,259,000 | 2,571 |
| Average earning assets | $237,509,330 | 2,546 |
| Average equity | $23,048,330 | 2,854 |
| Average total loans | $171,182,670 | 2,674 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0266% | 2,246 |
| Cost of funding earning assets | 2.0194% | 4,037 |
| Net interest margin | 4.0072% | 2,614 |
| Noninterest income to average assets | 0.7603% | 2,539 |
| Noninterest expense to average assets | 3.1711% | 3,106 |
| Loan and lease loss provision to assets | 0.1978% | 4,463 |
| Net operating income to assets | 0.7943% | 3,153 |
| Return on assets (ROA) | 0.7943% | 3,315 |
| Pretax return on assets | 1.1080% | 2,957 |
| Return on Equity (ROE) | 8.8920% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.8920% | 1,516 |
| Net charge-offs to loans | 0.2123% | 3,362 |
| Credit loss provision to net charge-offs | 140.6593% | 2,904 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 2,075 |
| Efficiency ratio | 70.8319% | 4,403 |
| Assets per employee ($millions) | 2.6318% | 7,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 7,866 |
| Loan loss allowance to noncurrent loans | 90.3628% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 5,786 |
| Noncurrent loans to loans | 0.5182% | 6,133 |
| Net loans and leases to total assets | 65.0156% | 4,809 |
| Net loans and leases to deposits | 76.0340% | 5,220 |
| Net loans and leases to core deposits | 99.5458% | 4,582 |
| Total domestic deposits to total assets | 85.5085% | 2,965 |
| Equity capital to assets | 8.9836% | 5,379 |
| Core capital (leverage) ratio | 8.9727% | 4,754 |
| Tier 1 risk-based capital ratio | 14.8156% | 3,151 |
| Total risk-based capital ratio | 15.3279% | 3,466 |
| Memoranda: | ||
| Average total assets | $258,836,000 | 2,564 |
| Average earning assets | $240,068,500 | 2,533 |
| Average equity | $23,122,000 | 2,867 |
| Average total loans | $171,458,500 | 2,687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0306% | 1,049 |
| Cost of funding earning assets | 2.7317% | 3,014 |
| Net interest margin | 4.2988% | 1,977 |
| Noninterest income to average assets | 0.9042% | 1,941 |
| Noninterest expense to average assets | 3.2813% | 3,028 |
| Loan and lease loss provision to assets | 0.2334% | 4,564 |
| Net operating income to assets | 0.9667% | 2,713 |
| Return on assets (ROA) | 1.0060% | 2,418 |
| Pretax return on assets | 1.4187% | 1,911 |
| Return on Equity (ROE) | 11.1822% | 1,849 |
| Retained earnings to average equity (ytd only) | 9.0114% | 607 |
| Net charge-offs to loans | 0.1534% | 4,661 |
| Credit loss provision to net charge-offs | 206.1594% | 2,352 |
| Earnings coverage of net charge-offs (x) | 14.1014% | 2,073 |
| Efficiency ratio | 67.2666% | 4,858 |
| Assets per employee ($millions) | 2.5972% | 7,010 |
| Cash dividends to net income (ytd only)* | 19.4127% | 4,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4400% | 7,934 |
| Loan loss allowance to noncurrent loans | 131.0345% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 5,782 |
| Noncurrent loans to loans | 0.3358% | 6,372 |
| Net loans and leases to total assets | 66.8795% | 4,662 |
| Net loans and leases to deposits | 79.0119% | 5,192 |
| Net loans and leases to core deposits | 102.4559% | 4,561 |
| Total domestic deposits to total assets | 84.6449% | 3,008 |
| Equity capital to assets | 8.8819% | 5,525 |
| Core capital (leverage) ratio | 8.8654% | 4,949 |
| Tier 1 risk-based capital ratio | 14.1906% | 3,454 |
| Total risk-based capital ratio | 14.6694% | 3,770 |
| Memoranda: | ||
| Average total assets | $243,743,600 | 2,617 |
| Average earning assets | $225,316,600 | 2,594 |
| Average equity | $21,927,800 | 2,984 |
| Average total loans | $179,976,400 | 2,498 |