Home > Spring Hill State Bank > Performance and Condition Ratios
Spring Hill State 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 | 5.2234% | 1,624 |
| Cost of funding earning assets | 1.0586% | 3,175 |
| Net interest margin | 4.1647% | 985 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.5596% | 2,130 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 1.2169% | 1,614 |
| Return on assets (ROA) | 1.2169% | 1,583 |
| Pretax return on assets | 1.5424% | 1,339 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.0696% | 1,876 |
| Net charge-offs to loans | 0.2093% | 516 |
| Credit loss provision to net charge-offs | 183.4667% | 1,290 |
| Earnings coverage of net charge-offs (x) | 11.3520% | 2,196 |
| Efficiency ratio | 58.1827% | 3,280 |
| Assets per employee ($millions) | 4.8942% | 3,709 |
| Cash dividends to net income (ytd only)* | 22.2656% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1917% | 283 |
| Loan loss allowance to noncurrent loans | 238.9945% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 714 |
| Noncurrent loans to loans | 0.9171% | 817 |
| Net loans and leases to total assets | 77.2700% | 942 |
| Net loans and leases to deposits | 91.3086% | 1,154 |
| Net loans and leases to core deposits | 99.2627% | 1,471 |
| Total domestic deposits to total assets | 84.6200% | 2,426 |
| Equity capital to assets | 14.3138% | 631 |
| Core capital (leverage) ratio | 14.3154% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7852% | 344 |
| Memoranda: | ||
| Average total assets | $231,399,000 | 2,782 |
| Average earning assets | $222,079,400 | 2,727 |
| Average equity | $30,963,600 | 2,223 |
| Average total loans | $179,167,800 | 2,450 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 1,699 |
| Cost of funding earning assets | 0.9666% | 3,125 |
| Net interest margin | 4.0998% | 1,068 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.5428% | 2,105 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 1.1807% | 1,841 |
| Return on assets (ROA) | 1.1807% | 1,830 |
| Pretax return on assets | 1.4960% | 1,564 |
| Return on Equity (ROE) | 8.9700% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.0084% | 2,284 |
| Net charge-offs to loans | 0.1062% | 746 |
| Credit loss provision to net charge-offs | 344.7552% | 805 |
| Earnings coverage of net charge-offs (x) | 21.7273% | 1,773 |
| Efficiency ratio | 58.8477% | 3,104 |
| Assets per employee ($millions) | 5.0468% | 3,571 |
| Cash dividends to net income (ytd only)* | 21.9098% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1805% | 306 |
| Loan loss allowance to noncurrent loans | 315.0520% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 1,086 |
| Noncurrent loans to loans | 0.6921% | 1,189 |
| Net loans and leases to total assets | 76.0400% | 1,116 |
| Net loans and leases to deposits | 89.0640% | 1,300 |
| Net loans and leases to core deposits | 95.5606% | 1,580 |
| Total domestic deposits to total assets | 85.3800% | 2,389 |
| Equity capital to assets | 13.5605% | 712 |
| Core capital (leverage) ratio | 13.9751% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1660% | 374 |
| Memoranda: | ||
| Average total assets | $232,965,500 | 2,788 |
| Average earning assets | $223,877,250 | 2,729 |
| Average equity | $30,648,250 | 2,222 |
| Average total loans | $179,497,250 | 2,456 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 1,680 |
| Cost of funding earning assets | 0.9037% | 2,916 |
| Net interest margin | 4.0340% | 1,190 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.6394% | 1,824 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 1.1225% | 2,050 |
| Return on assets (ROA) | 1.1225% | 2,052 |
| Pretax return on assets | 1.4226% | 1,756 |
| Return on Equity (ROE) | 8.6200% | 3,080 |
| Retained earnings to average equity (ytd only) | 6.8619% | 2,335 |
| Net charge-offs to loans | 0.1440% | 531 |
| Credit loss provision to net charge-offs | 241.0853% | 969 |
| Earnings coverage of net charge-offs (x) | 15.2713% | 1,858 |
| Efficiency ratio | 60.9746% | 2,849 |
| Assets per employee ($millions) | 5.2025% | 3,410 |
| Cash dividends to net income (ytd only)* | 20.3972% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 364 |
| Loan loss allowance to noncurrent loans | 319.5081% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 1,056 |
| Noncurrent loans to loans | 0.6550% | 1,141 |
| Net loans and leases to total assets | 76.9900% | 944 |
| Net loans and leases to deposits | 90.1768% | 1,170 |
| Net loans and leases to core deposits | 95.1031% | 1,510 |
| Total domestic deposits to total assets | 85.3700% | 2,437 |
| Equity capital to assets | 13.4956% | 721 |
| Core capital (leverage) ratio | 13.5145% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6271% | 405 |
| Memoranda: | ||
| Average total assets | $233,236,667 | 2,796 |
| Average earning assets | $224,193,667 | 2,737 |
| Average equity | $30,370,667 | 2,251 |
| Average total loans | $179,174,000 | 2,446 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7383% | 1,762 |
| Cost of funding earning assets | 0.8188% | 2,662 |
| Net interest margin | 3.9195% | 1,437 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4520% | 2,365 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.1725% | 2,016 |
| Return on assets (ROA) | 1.1725% | 1,980 |
| Pretax return on assets | 1.4851% | 1,704 |
| Return on Equity (ROE) | 9.1700% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.2668% | 2,429 |
| Net charge-offs to loans | 0.2506% | 306 |
| Credit loss provision to net charge-offs | 131.2500% | 1,002 |
| Earnings coverage of net charge-offs (x) | 9.1161% | 1,697 |
| Efficiency ratio | 58.5633% | 3,124 |
| Assets per employee ($millions) | 5.1418% | 3,536 |
| Cash dividends to net income (ytd only)* | 20.7246% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 424 |
| Loan loss allowance to noncurrent loans | 512.7479% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 1,498 |
| Noncurrent loans to loans | 0.3931% | 1,750 |
| Net loans and leases to total assets | 74.4100% | 1,146 |
| Net loans and leases to deposits | 86.3912% | 1,322 |
| Net loans and leases to core deposits | 90.8946% | 1,572 |
| Total domestic deposits to total assets | 86.1300% | 2,546 |
| Equity capital to assets | 12.8756% | 789 |
| Core capital (leverage) ratio | 13.2553% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2229% | 423 |
| Memoranda: | ||
| Average total assets | $235,399,000 | 2,816 |
| Average earning assets | $226,663,500 | 2,762 |
| Average equity | $30,109,500 | 2,290 |
| Average total loans | $178,763,500 | 2,467 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 1,534 |
| Cost of funding earning assets | 0.5696% | 1,021 |
| Net interest margin | 3.5035% | 1,921 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.3637% | 2,533 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0160% | 2,511 |
| Return on assets (ROA) | 1.0160% | 2,456 |
| Pretax return on assets | 1.2877% | 2,131 |
| Return on Equity (ROE) | 8.3100% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.0161% | 2,239 |
| Net charge-offs to loans | 0.1745% | 480 |
| Credit loss provision to net charge-offs | 96.2838% | 1,589 |
| Earnings coverage of net charge-offs (x) | 11.2568% | 2,156 |
| Efficiency ratio | 62.6667% | 2,680 |
| Assets per employee ($millions) | 5.2061% | 3,509 |
| Cash dividends to net income (ytd only)* | 15.5990% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0150% | 419 |
| Loan loss allowance to noncurrent loans | 341.1037% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 1,034 |
| Noncurrent loans to loans | 0.5907% | 1,266 |
| Net loans and leases to total assets | 74.4100% | 1,185 |
| Net loans and leases to deposits | 86.1886% | 1,299 |
| Net loans and leases to core deposits | 89.7346% | 1,516 |
| Total domestic deposits to total assets | 86.3400% | 2,626 |
| Equity capital to assets | 12.7053% | 765 |
| Core capital (leverage) ratio | 12.8584% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0699% | 414 |
| Memoranda: | ||
| Average total assets | $236,620,600 | 2,807 |
| Average earning assets | $226,660,600 | 2,758 |
| Average equity | $28,919,200 | 2,382 |
| Average total loans | $169,622,200 | 2,461 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9240% | 1,426 |
| Cost of funding earning assets | 0.5194% | 682 |
| Net interest margin | 3.4046% | 1,961 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3473% | 2,485 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.9482% | 2,677 |
| Return on assets (ROA) | 0.9482% | 2,641 |
| Pretax return on assets | 1.2017% | 2,358 |
| Return on Equity (ROE) | 7.8400% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.0223% | 2,352 |
| Net charge-offs to loans | 0.1926% | 346 |
| Credit loss provision to net charge-offs | 89.2562% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.7273% | 2,013 |
| Efficiency ratio | 63.9510% | 2,562 |
| Assets per employee ($millions) | 5.2519% | 3,456 |
| Cash dividends to net income (ytd only)* | 10.3734% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 481 |
| Loan loss allowance to noncurrent loans | 184.9741% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 591 |
| Noncurrent loans to loans | 1.0970% | 684 |
| Net loans and leases to total assets | 71.3500% | 1,357 |
| Net loans and leases to deposits | 82.0700% | 1,441 |
| Net loans and leases to core deposits | 84.8779% | 1,593 |
| Total domestic deposits to total assets | 86.9400% | 2,782 |
| Equity capital to assets | 12.0987% | 866 |
| Core capital (leverage) ratio | 12.3952% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7951% | 446 |
| Memoranda: | ||
| Average total assets | $237,207,500 | 2,821 |
| Average earning assets | $226,941,500 | 2,775 |
| Average equity | $28,707,750 | 2,424 |
| Average total loans | $167,548,750 | 2,476 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7405% | 1,443 |
| Cost of funding earning assets | 0.4742% | 605 |
| Net interest margin | 3.2663% | 2,006 |
| Noninterest income to average assets | 0.4038% | 2,738 |
| Noninterest expense to average assets | 2.3780% | 2,307 |
| Loan and lease loss provision to assets | 0.1273% | 768 |
| Net operating income to assets | 0.8085% | 2,921 |
| Return on assets (ROA) | 0.8085% | 2,892 |
| Pretax return on assets | 1.0248% | 2,640 |
| Return on Equity (ROE) | 6.6798% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.4531% | 2,533 |
| Net charge-offs to loans | 0.2379% | 270 |
| Credit loss provision to net charge-offs | 76.5306% | 1,404 |
| Earnings coverage of net charge-offs (x) | 6.9286% | 1,873 |
| Efficiency ratio | 67.3636% | 2,328 |
| Assets per employee ($millions) | 5.1799% | 3,525 |
| Cash dividends to net income (ytd only)* | 18.3631% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 462 |
| Loan loss allowance to noncurrent loans | 173.5941% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 600 |
| Noncurrent loans to loans | 1.2015% | 663 |
| Net loans and leases to total assets | 69.9402% | 1,301 |
| Net loans and leases to deposits | 80.3706% | 1,358 |
| Net loans and leases to core deposits | 83.0484% | 1,516 |
| Total domestic deposits to total assets | 87.0221% | 2,930 |
| Equity capital to assets | 12.0038% | 870 |
| Core capital (leverage) ratio | 12.2509% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2594% | 413 |
| Memoranda: | ||
| Average total assets | $235,747,333 | 2,854 |
| Average earning assets | $225,638,000 | 2,823 |
| Average equity | $28,534,000 | 2,492 |
| Average total loans | $164,751,667 | 2,510 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 1,402 |
| Cost of funding earning assets | 0.4858% | 533 |
| Net interest margin | 3.1531% | 2,015 |
| Noninterest income to average assets | 0.3941% | 2,726 |
| Noninterest expense to average assets | 2.3661% | 2,284 |
| Loan and lease loss provision to assets | 0.1296% | 630 |
| Net operating income to assets | 0.7267% | 2,954 |
| Return on assets (ROA) | 0.7267% | 2,941 |
| Pretax return on assets | 0.9212% | 2,696 |
| Return on Equity (ROE) | 5.9789% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.9789% | 2,262 |
| Net charge-offs to loans | 0.2000% | 308 |
| Credit loss provision to net charge-offs | 93.8272% | 1,066 |
| Earnings coverage of net charge-offs (x) | 7.6049% | 1,534 |
| Efficiency ratio | 69.2461% | 2,335 |
| Assets per employee ($millions) | 5.3923% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1591% | 472 |
| Loan loss allowance to noncurrent loans | 290.2991% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 1,151 |
| Noncurrent loans to loans | 0.7437% | 1,283 |
| Net loans and leases to total assets | 68.5880% | 1,148 |
| Net loans and leases to deposits | 78.8434% | 1,219 |
| Net loans and leases to core deposits | 81.4723% | 1,384 |
| Total domestic deposits to total assets | 86.9928% | 2,930 |
| Equity capital to assets | 12.0703% | 933 |
| Core capital (leverage) ratio | 12.2237% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6156% | 395 |
| Memoranda: | ||
| Average total assets | $234,483,500 | 2,873 |
| Average earning assets | $224,798,000 | 2,836 |
| Average equity | $28,500,000 | 2,569 |
| Average total loans | $162,027,500 | 2,530 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 1,333 |
| Cost of funding earning assets | 0.5496% | 711 |
| Net interest margin | 3.4627% | 1,846 |
| Noninterest income to average assets | 0.4191% | 2,953 |
| Noninterest expense to average assets | 2.3758% | 2,567 |
| Loan and lease loss provision to assets | 0.1156% | 1,086 |
| Net operating income to assets | 0.9655% | 2,816 |
| Return on assets (ROA) | 0.9655% | 2,877 |
| Pretax return on assets | 1.2237% | 2,591 |
| Return on Equity (ROE) | 7.8323% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.1960% | 1,843 |
| Net charge-offs to loans | 0.0744% | 1,047 |
| Credit loss provision to net charge-offs | 216.8067% | 1,266 |
| Earnings coverage of net charge-offs (x) | 25.1092% | 1,732 |
| Efficiency ratio | 63.9479% | 2,574 |
| Assets per employee ($millions) | 5.1490% | 3,599 |
| Cash dividends to net income (ytd only)* | 8.1244% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2798% | 394 |
| Loan loss allowance to noncurrent loans | 145.9416% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 499 |
| Noncurrent loans to loans | 1.5621% | 571 |
| Net loans and leases to total assets | 66.5219% | 1,417 |
| Net loans and leases to deposits | 76.6407% | 1,517 |
| Net loans and leases to core deposits | 80.0831% | 1,586 |
| Total domestic deposits to total assets | 86.7971% | 2,583 |
| Equity capital to assets | 12.2405% | 1,155 |
| Core capital (leverage) ratio | 12.4716% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4087% | 333 |
| Memoranda: | ||
| Average total assets | $223,087,400 | 2,884 |
| Average earning assets | $212,349,800 | 2,854 |
| Average equity | $27,501,400 | 2,682 |
| Average total loans | $159,901,000 | 2,544 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 1,251 |
| Cost of funding earning assets | 0.5702% | 742 |
| Net interest margin | 3.5539% | 1,722 |
| Noninterest income to average assets | 0.4001% | 3,081 |
| Noninterest expense to average assets | 2.3741% | 2,523 |
| Loan and lease loss provision to assets | 0.1362% | 832 |
| Net operating income to assets | 0.9970% | 2,921 |
| Return on assets (ROA) | 0.9970% | 2,984 |
| Pretax return on assets | 1.2637% | 2,723 |
| Return on Equity (ROE) | 8.0722% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.7058% | 2,147 |
| Net charge-offs to loans | 0.0283% | 1,488 |
| Credit loss provision to net charge-offs | 664.7059% | 664 |
| Earnings coverage of net charge-offs (x) | 68.2353% | 1,076 |
| Efficiency ratio | 62.9037% | 2,548 |
| Assets per employee ($millions) | 5.0814% | 3,625 |
| Cash dividends to net income (ytd only)* | 4.5400% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 392 |
| Loan loss allowance to noncurrent loans | 252.7008% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6315% | 1,205 |
| Noncurrent loans to loans | 0.9096% | 1,264 |
| Net loans and leases to total assets | 67.8319% | 1,341 |
| Net loans and leases to deposits | 78.2612% | 1,463 |
| Net loans and leases to core deposits | 81.6875% | 1,596 |
| Total domestic deposits to total assets | 86.6737% | 2,475 |
| Equity capital to assets | 12.2583% | 1,282 |
| Core capital (leverage) ratio | 12.4642% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3031% | 361 |
| Memoranda: | ||
| Average total assets | $220,932,500 | 2,930 |
| Average earning assets | $209,756,000 | 2,902 |
| Average equity | $27,286,250 | 2,723 |
| Average total loans | $160,443,250 | 2,578 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 1,167 |
| Cost of funding earning assets | 0.5766% | 831 |
| Net interest margin | 3.6360% | 1,509 |
| Noninterest income to average assets | 0.3957% | 3,125 |
| Noninterest expense to average assets | 2.4153% | 2,411 |
| Loan and lease loss provision to assets | 0.1383% | 881 |
| Net operating income to assets | 1.0130% | 2,848 |
| Return on assets (ROA) | 1.0130% | 2,931 |
| Pretax return on assets | 1.2841% | 2,672 |
| Return on Equity (ROE) | 8.1810% | 3,358 |
| Retained earnings to average equity (ytd only) | 8.1810% | 2,008 |
| Net charge-offs to loans | 0.0248% | 1,449 |
| Credit loss provision to net charge-offs | 755.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 77.6500% | 851 |
| Efficiency ratio | 62.9356% | 2,588 |
| Assets per employee ($millions) | 4.6631% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2598% | 395 |
| Loan loss allowance to noncurrent loans | 239.5194% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 1,241 |
| Noncurrent loans to loans | 0.9435% | 1,309 |
| Net loans and leases to total assets | 69.3327% | 1,283 |
| Net loans and leases to deposits | 80.1067% | 1,413 |
| Net loans and leases to core deposits | 83.6271% | 1,597 |
| Total domestic deposits to total assets | 86.5504% | 2,531 |
| Equity capital to assets | 12.3112% | 1,212 |
| Core capital (leverage) ratio | 12.3674% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8505% | 385 |
| Memoranda: | ||
| Average total assets | $218,356,333 | 2,952 |
| Average earning assets | $206,711,667 | 2,926 |
| Average equity | $27,038,333 | 2,733 |
| Average total loans | $161,006,333 | 2,591 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 916 |
| Cost of funding earning assets | 0.5880% | 924 |
| Net interest margin | 3.8080% | 1,120 |
| Noninterest income to average assets | 0.3896% | 3,151 |
| Noninterest expense to average assets | 2.4654% | 2,279 |
| Loan and lease loss provision to assets | 0.1336% | 1,015 |
| Net operating income to assets | 1.1001% | 2,477 |
| Return on assets (ROA) | 1.1001% | 2,552 |
| Pretax return on assets | 1.3950% | 2,296 |
| Return on Equity (ROE) | 8.8575% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.8575% | 1,997 |
| Net charge-offs to loans | 0.0345% | 1,132 |
| Credit loss provision to net charge-offs | 514.2857% | 587 |
| Earnings coverage of net charge-offs (x) | 58.8571% | 832 |
| Efficiency ratio | 61.7278% | 2,802 |
| Assets per employee ($millions) | 4.9900% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 435 |
| Loan loss allowance to noncurrent loans | 202.4770% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 1,151 |
| Noncurrent loans to loans | 1.0764% | 1,246 |
| Net loans and leases to total assets | 70.2572% | 1,253 |
| Net loans and leases to deposits | 80.9573% | 1,426 |
| Net loans and leases to core deposits | 84.6569% | 1,620 |
| Total domestic deposits to total assets | 86.7830% | 2,402 |
| Equity capital to assets | 12.0498% | 1,258 |
| Core capital (leverage) ratio | 12.7247% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4509% | 381 |
| Memoranda: | ||
| Average total assets | $215,620,500 | 2,962 |
| Average earning assets | $204,095,000 | 2,939 |
| Average equity | $26,779,500 | 2,748 |
| Average total loans | $162,122,500 | 2,573 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7205% | 859 |
| Cost of funding earning assets | 0.7347% | 1,545 |
| Net interest margin | 3.9858% | 1,001 |
| Noninterest income to average assets | 0.4357% | 2,932 |
| Noninterest expense to average assets | 2.5936% | 2,568 |
| Loan and lease loss provision to assets | 0.1841% | 2,113 |
| Net operating income to assets | 1.1312% | 1,798 |
| Return on assets (ROA) | 1.1312% | 1,920 |
| Pretax return on assets | 1.4340% | 1,556 |
| Return on Equity (ROE) | 9.1006% | 2,353 |
| Retained earnings to average equity (ytd only) | 8.5505% | 897 |
| Net charge-offs to loans | 0.0482% | 2,105 |
| Credit loss provision to net charge-offs | 496.0526% | 1,260 |
| Earnings coverage of net charge-offs (x) | 43.5921% | 1,317 |
| Efficiency ratio | 61.5795% | 3,209 |
| Assets per employee ($millions) | 4.3976% | 4,019 |
| Cash dividends to net income (ytd only)* | 6.0449% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 478 |
| Loan loss allowance to noncurrent loans | 137.5099% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.4708% | 506 |
| Noncurrent loans to loans | 1.5427% | 860 |
| Net loans and leases to total assets | 77.1734% | 677 |
| Net loans and leases to deposits | 89.7116% | 947 |
| Net loans and leases to core deposits | 94.4970% | 1,209 |
| Total domestic deposits to total assets | 86.0239% | 2,356 |
| Equity capital to assets | 12.8217% | 1,167 |
| Core capital (leverage) ratio | 12.6185% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4699% | 416 |
| Memoranda: | ||
| Average total assets | $204,738,000 | 2,898 |
| Average earning assets | $193,964,400 | 2,874 |
| Average equity | $25,448,800 | 2,769 |
| Average total loans | $157,590,800 | 2,583 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 946 |
| Cost of funding earning assets | 0.7607% | 1,676 |
| Net interest margin | 4.0003% | 1,115 |
| Noninterest income to average assets | 0.4387% | 2,893 |
| Noninterest expense to average assets | 2.5843% | 2,580 |
| Loan and lease loss provision to assets | 0.1488% | 2,537 |
| Net operating income to assets | 1.1848% | 1,688 |
| Return on assets (ROA) | 1.1848% | 1,812 |
| Pretax return on assets | 1.5020% | 1,446 |
| Return on Equity (ROE) | 9.6084% | 2,163 |
| Retained earnings to average equity (ytd only) | 8.8672% | 1,021 |
| Net charge-offs to loans | 0.0299% | 2,236 |
| Credit loss provision to net charge-offs | 651.4286% | 1,116 |
| Earnings coverage of net charge-offs (x) | 72.2571% | 974 |
| Efficiency ratio | 61.0203% | 3,213 |
| Assets per employee ($millions) | 4.4909% | 3,860 |
| Cash dividends to net income (ytd only)* | 7.7135% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1009% | 416 |
| Loan loss allowance to noncurrent loans | 212.5000% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9959% | 1,118 |
| Noncurrent loans to loans | 0.9887% | 1,515 |
| Net loans and leases to total assets | 73.9343% | 1,375 |
| Net loans and leases to deposits | 86.4447% | 1,648 |
| Net loans and leases to core deposits | 90.3839% | 1,942 |
| Total domestic deposits to total assets | 85.5278% | 2,244 |
| Equity capital to assets | 12.3255% | 1,497 |
| Core capital (leverage) ratio | 12.3398% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1164% | 403 |
| Memoranda: | ||
| Average total assets | $204,250,250 | 2,887 |
| Average earning assets | $193,847,500 | 2,863 |
| Average equity | $25,185,750 | 2,779 |
| Average total loans | $156,247,000 | 2,606 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 1,023 |
| Cost of funding earning assets | 0.8087% | 1,784 |
| Net interest margin | 4.0594% | 1,197 |
| Noninterest income to average assets | 0.4387% | 2,867 |
| Noninterest expense to average assets | 2.5884% | 2,702 |
| Loan and lease loss provision to assets | 0.0990% | 3,036 |
| Net operating income to assets | 1.2685% | 1,446 |
| Return on assets (ROA) | 1.2685% | 1,565 |
| Pretax return on assets | 1.6081% | 1,205 |
| Return on Equity (ROE) | 10.2854% | 1,890 |
| Retained earnings to average equity (ytd only) | 9.1613% | 966 |
| Net charge-offs to loans | -0.0425% | 4,641 |
| Credit loss provision to net charge-offs | -303.0303% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2582% | 3,382 |
| Assets per employee ($millions) | 4.5260% | 3,751 |
| Cash dividends to net income (ytd only)* | 10.9290% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0522% | 405 |
| Loan loss allowance to noncurrent loans | 175.3198% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 1,131 |
| Noncurrent loans to loans | 1.1705% | 1,338 |
| Net loans and leases to total assets | 75.3988% | 1,216 |
| Net loans and leases to deposits | 88.2350% | 1,529 |
| Net loans and leases to core deposits | 92.2982% | 1,875 |
| Total domestic deposits to total assets | 85.4522% | 2,226 |
| Equity capital to assets | 12.2547% | 1,509 |
| Core capital (leverage) ratio | 12.1935% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3304% | 432 |
| Memoranda: | ||
| Average total assets | $201,975,667 | 2,888 |
| Average earning assets | $191,901,667 | 2,858 |
| Average equity | $24,909,000 | 2,783 |
| Average total loans | $155,194,333 | 2,612 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 921 |
| Cost of funding earning assets | 0.8953% | 1,896 |
| Net interest margin | 4.1272% | 1,081 |
| Noninterest income to average assets | 0.4848% | 2,636 |
| Noninterest expense to average assets | 2.6551% | 2,821 |
| Loan and lease loss provision to assets | 0.2213% | 1,397 |
| Net operating income to assets | 1.2068% | 1,494 |
| Return on assets (ROA) | 1.2068% | 1,607 |
| Pretax return on assets | 1.5307% | 1,229 |
| Return on Equity (ROE) | 9.7535% | 1,823 |
| Retained earnings to average equity (ytd only) | 7.4777% | 1,385 |
| Net charge-offs to loans | 0.0655% | 1,366 |
| Credit loss provision to net charge-offs | 440.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 34.8400% | 1,093 |
| Efficiency ratio | 60.2465% | 3,709 |
| Assets per employee ($millions) | 4.5041% | 3,254 |
| Cash dividends to net income (ytd only)* | 23.3333% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 432 |
| Loan loss allowance to noncurrent loans | 195.4765% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 1,653 |
| Noncurrent loans to loans | 1.0755% | 1,547 |
| Net loans and leases to total assets | 74.4635% | 1,539 |
| Net loans and leases to deposits | 88.0015% | 1,751 |
| Net loans and leases to core deposits | 92.0287% | 2,152 |
| Total domestic deposits to total assets | 84.6161% | 2,560 |
| Equity capital to assets | 12.2638% | 1,873 |
| Core capital (leverage) ratio | 12.4397% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7894% | 507 |
| Memoranda: | ||
| Average total assets | $198,865,000 | 2,883 |
| Average earning assets | $188,989,000 | 2,838 |
| Average equity | $24,606,500 | 2,803 |
| Average total loans | $152,658,000 | 2,615 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 1,743 |
| Cost of funding earning assets | 1.0096% | 1,685 |
| Net interest margin | 3.8922% | 2,207 |
| Noninterest income to average assets | 0.4782% | 2,865 |
| Noninterest expense to average assets | 2.5347% | 3,358 |
| Loan and lease loss provision to assets | 0.1311% | 1,633 |
| Net operating income to assets | 1.1909% | 2,092 |
| Return on assets (ROA) | 1.1909% | 2,187 |
| Pretax return on assets | 1.5094% | 1,783 |
| Return on Equity (ROE) | 10.3659% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.5050% | 589 |
| Net charge-offs to loans | 0.1011% | 1,713 |
| Credit loss provision to net charge-offs | 175.4967% | 1,480 |
| Earnings coverage of net charge-offs (x) | 21.9669% | 1,869 |
| Efficiency ratio | 60.7084% | 3,584 |
| Assets per employee ($millions) | 4.3343% | 3,456 |
| Cash dividends to net income (ytd only)* | 8.3056% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0880% | 398 |
| Loan loss allowance to noncurrent loans | 160.0406% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 1,192 |
| Noncurrent loans to loans | 1.3047% | 1,157 |
| Net loans and leases to total assets | 75.8762% | 1,437 |
| Net loans and leases to deposits | 88.9252% | 1,710 |
| Net loans and leases to core deposits | 92.3778% | 2,203 |
| Total domestic deposits to total assets | 85.3259% | 2,375 |
| Equity capital to assets | 12.4874% | 1,823 |
| Core capital (leverage) ratio | 12.2031% | 1,653 |
| Tier 1 risk-based capital ratio | 22.8085% | 932 |
| Total risk-based capital ratio | 24.0794% | 911 |
| Memoranda: | ||
| Average total assets | $202,197,400 | 2,824 |
| Average earning assets | $192,052,400 | 2,780 |
| Average equity | $23,230,000 | 2,850 |
| Average total loans | $149,295,600 | 2,629 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 1,974 |
| Cost of funding earning assets | 1.0247% | 1,663 |
| Net interest margin | 3.8251% | 2,513 |
| Noninterest income to average assets | 0.4497% | 3,023 |
| Noninterest expense to average assets | 2.5380% | 3,328 |
| Loan and lease loss provision to assets | 0.1131% | 1,724 |
| Net operating income to assets | 1.1314% | 2,446 |
| Return on assets (ROA) | 1.1314% | 2,535 |
| Pretax return on assets | 1.4341% | 2,180 |
| Return on Equity (ROE) | 10.0570% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.5632% | 876 |
| Net charge-offs to loans | 0.0439% | 2,212 |
| Credit loss provision to net charge-offs | 353.0612% | 856 |
| Earnings coverage of net charge-offs (x) | 48.3074% | 1,224 |
| Efficiency ratio | 62.1280% | 3,306 |
| Assets per employee ($millions) | 4.5448% | 3,129 |
| Cash dividends to net income (ytd only)* | 4.9104% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1110% | 388 |
| Loan loss allowance to noncurrent loans | 221.7087% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 1,527 |
| Noncurrent loans to loans | 0.9522% | 1,692 |
| Net loans and leases to total assets | 71.7848% | 2,207 |
| Net loans and leases to deposits | 84.9388% | 2,329 |
| Net loans and leases to core deposits | 88.0911% | 2,718 |
| Total domestic deposits to total assets | 84.5135% | 2,620 |
| Equity capital to assets | 11.6344% | 2,571 |
| Core capital (leverage) ratio | 11.6924% | 2,085 |
| Tier 1 risk-based capital ratio | 22.3691% | 1,024 |
| Total risk-based capital ratio | 23.6413% | 994 |
| Memoranda: | ||
| Average total assets | $203,985,750 | 2,829 |
| Average earning assets | $193,874,250 | 2,783 |
| Average equity | $22,948,500 | 2,892 |
| Average total loans | $148,832,500 | 2,660 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 2,103 |
| Cost of funding earning assets | 0.9596% | 1,865 |
| Net interest margin | 3.8272% | 2,491 |
| Noninterest income to average assets | 0.4337% | 3,045 |
| Noninterest expense to average assets | 2.5720% | 3,271 |
| Loan and lease loss provision to assets | 0.0971% | 1,923 |
| Net operating income to assets | 1.1079% | 2,494 |
| Return on assets (ROA) | 1.1079% | 2,565 |
| Pretax return on assets | 1.4043% | 2,197 |
| Return on Equity (ROE) | 9.9618% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.5206% | 900 |
| Net charge-offs to loans | 0.0768% | 1,599 |
| Credit loss provision to net charge-offs | 173.6842% | 1,346 |
| Earnings coverage of net charge-offs (x) | 26.8421% | 1,562 |
| Efficiency ratio | 63.1414% | 3,262 |
| Assets per employee ($millions) | 4.5040% | 3,139 |
| Cash dividends to net income (ytd only)* | 4.4287% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0376% | 445 |
| Loan loss allowance to noncurrent loans | 217.3362% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 1,849 |
| Noncurrent loans to loans | 0.9376% | 1,740 |
| Net loans and leases to total assets | 73.1532% | 2,033 |
| Net loans and leases to deposits | 86.4611% | 2,208 |
| Net loans and leases to core deposits | 89.8212% | 2,616 |
| Total domestic deposits to total assets | 84.6082% | 2,639 |
| Equity capital to assets | 11.4678% | 2,625 |
| Core capital (leverage) ratio | 11.3661% | 2,279 |
| Tier 1 risk-based capital ratio | 21.6842% | 1,095 |
| Total risk-based capital ratio | 22.9551% | 1,067 |
| Memoranda: | ||
| Average total assets | $203,809,670 | 2,842 |
| Average earning assets | $193,822,670 | 2,790 |
| Average equity | $22,666,670 | 2,911 |
| Average total loans | $148,451,330 | 2,674 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 2,151 |
| Cost of funding earning assets | 0.9391% | 1,842 |
| Net interest margin | 3.7831% | 2,593 |
| Noninterest income to average assets | 0.4091% | 3,125 |
| Noninterest expense to average assets | 2.5639% | 3,319 |
| Loan and lease loss provision to assets | 0.0881% | 1,954 |
| Net operating income to assets | 1.0667% | 2,594 |
| Return on assets (ROA) | 1.0667% | 2,645 |
| Pretax return on assets | 1.3524% | 2,256 |
| Return on Equity (ROE) | 9.7415% | 2,479 |
| Retained earnings to average equity (ytd only) | 9.7415% | 1,098 |
| Net charge-offs to loans | 0.1007% | 1,136 |
| Credit loss provision to net charge-offs | 121.6216% | 1,405 |
| Earnings coverage of net charge-offs (x) | 19.8919% | 1,580 |
| Efficiency ratio | 64.0274% | 3,240 |
| Assets per employee ($millions) | 4.5185% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0816% | 428 |
| Loan loss allowance to noncurrent loans | 292.9875% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 2,577 |
| Noncurrent loans to loans | 0.7105% | 2,250 |
| Net loans and leases to total assets | 70.5616% | 2,397 |
| Net loans and leases to deposits | 84.2429% | 2,361 |
| Net loans and leases to core deposits | 88.0847% | 2,676 |
| Total domestic deposits to total assets | 83.7596% | 3,128 |
| Equity capital to assets | 11.1453% | 2,709 |
| Core capital (leverage) ratio | 11.1580% | 2,420 |
| Tier 1 risk-based capital ratio | 22.2174% | 1,024 |
| Total risk-based capital ratio | 23.4895% | 1,004 |
| Memoranda: | ||
| Average total assets | $204,374,500 | 2,858 |
| Average earning assets | $194,232,500 | 2,813 |
| Average equity | $22,378,500 | 2,934 |
| Average total loans | $147,001,500 | 2,722 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 2,337 |
| Cost of funding earning assets | 0.8455% | 1,331 |
| Net interest margin | 3.6935% | 3,054 |
| Noninterest income to average assets | 0.4992% | 2,840 |
| Noninterest expense to average assets | 2.5850% | 3,379 |
| Loan and lease loss provision to assets | 0.1239% | 1,780 |
| Net operating income to assets | 1.0231% | 2,914 |
| Return on assets (ROA) | 1.0231% | 2,903 |
| Pretax return on assets | 1.2957% | 2,513 |
| Return on Equity (ROE) | 9.7835% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.5322% | 1,035 |
| Net charge-offs to loans | 0.0772% | 2,022 |
| Credit loss provision to net charge-offs | 220.1754% | 1,320 |
| Earnings coverage of net charge-offs (x) | 25.2193% | 1,783 |
| Efficiency ratio | 64.5499% | 3,109 |
| Assets per employee ($millions) | 4.3706% | 3,345 |
| Cash dividends to net income (ytd only)* | 12.7896% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 424 |
| Loan loss allowance to noncurrent loans | 196.6387% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 1,850 |
| Noncurrent loans to loans | 1.0490% | 1,556 |
| Net loans and leases to total assets | 70.3139% | 2,524 |
| Net loans and leases to deposits | 84.4665% | 2,462 |
| Net loans and leases to core deposits | 88.6976% | 2,683 |
| Total domestic deposits to total assets | 83.2447% | 3,248 |
| Equity capital to assets | 10.7562% | 2,926 |
| Core capital (leverage) ratio | 10.7431% | 2,796 |
| Tier 1 risk-based capital ratio | 21.4791% | 1,101 |
| Total risk-based capital ratio | 22.7508% | 1,074 |
| Memoranda: | ||
| Average total assets | $202,514,200 | 2,838 |
| Average earning assets | $192,200,600 | 2,797 |
| Average equity | $21,178,600 | 2,970 |
| Average total loans | $147,611,000 | 2,674 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,314 |
| Cost of funding earning assets | 0.8139% | 1,269 |
| Net interest margin | 3.6833% | 3,078 |
| Noninterest income to average assets | 0.5055% | 2,837 |
| Noninterest expense to average assets | 2.5782% | 3,348 |
| Loan and lease loss provision to assets | 0.1355% | 1,478 |
| Net operating income to assets | 1.0142% | 3,027 |
| Return on assets (ROA) | 1.0142% | 3,035 |
| Pretax return on assets | 1.2845% | 2,682 |
| Return on Equity (ROE) | 9.7693% | 2,719 |
| Retained earnings to average equity (ytd only) | 8.8146% | 1,296 |
| Net charge-offs to loans | 0.0731% | 1,797 |
| Credit loss provision to net charge-offs | 253.0864% | 1,167 |
| Earnings coverage of net charge-offs (x) | 26.5302% | 1,741 |
| Efficiency ratio | 64.4852% | 3,104 |
| Assets per employee ($millions) | 4.6546% | 2,906 |
| Cash dividends to net income (ytd only)* | 9.7722% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 433 |
| Loan loss allowance to noncurrent loans | 214.6704% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 2,105 |
| Noncurrent loans to loans | 0.9623% | 1,768 |
| Net loans and leases to total assets | 68.5547% | 2,858 |
| Net loans and leases to deposits | 81.8624% | 2,835 |
| Net loans and leases to core deposits | 85.6603% | 3,030 |
| Total domestic deposits to total assets | 83.7438% | 3,031 |
| Equity capital to assets | 10.3385% | 3,295 |
| Core capital (leverage) ratio | 10.6917% | 2,892 |
| Tier 1 risk-based capital ratio | 20.7532% | 1,218 |
| Total risk-based capital ratio | 22.0241% | 1,189 |
| Memoranda: | ||
| Average total assets | $201,788,750 | 2,867 |
| Average earning assets | $191,345,250 | 2,827 |
| Average equity | $20,949,500 | 3,019 |
| Average total loans | $147,644,250 | 2,687 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 2,096 |
| Cost of funding earning assets | 0.7817% | 1,210 |
| Net interest margin | 3.7137% | 2,876 |
| Noninterest income to average assets | 0.5250% | 2,723 |
| Noninterest expense to average assets | 2.6482% | 3,170 |
| Loan and lease loss provision to assets | 0.1375% | 1,421 |
| Net operating income to assets | 0.9938% | 3,052 |
| Return on assets (ROA) | 0.9938% | 3,048 |
| Pretax return on assets | 1.2588% | 2,682 |
| Return on Equity (ROE) | 9.5586% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.8345% | 1,266 |
| Net charge-offs to loans | 0.1108% | 1,267 |
| Credit loss provision to net charge-offs | 167.0732% | 1,464 |
| Earnings coverage of net charge-offs (x) | 16.9634% | 1,976 |
| Efficiency ratio | 65.4753% | 3,069 |
| Assets per employee ($millions) | 4.3351% | 3,376 |
| Cash dividends to net income (ytd only)* | 7.5758% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 508 |
| Loan loss allowance to noncurrent loans | 276.3772% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,406 |
| Noncurrent loans to loans | 0.7284% | 2,286 |
| Net loans and leases to total assets | 72.2448% | 2,234 |
| Net loans and leases to deposits | 86.8837% | 2,234 |
| Net loans and leases to core deposits | 90.9950% | 2,483 |
| Total domestic deposits to total assets | 83.1512% | 3,368 |
| Equity capital to assets | 10.6276% | 2,999 |
| Core capital (leverage) ratio | 10.6456% | 2,871 |
| Tier 1 risk-based capital ratio | 20.1381% | 1,298 |
| Total risk-based capital ratio | 21.4082% | 1,269 |
| Memoranda: | ||
| Average total assets | $199,232,000 | 2,904 |
| Average earning assets | $188,813,670 | 2,867 |
| Average equity | $20,714,330 | 3,062 |
| Average total loans | $147,984,670 | 2,692 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 1,979 |
| Cost of funding earning assets | 0.7656% | 1,118 |
| Net interest margin | 3.6987% | 2,803 |
| Noninterest income to average assets | 0.5122% | 2,736 |
| Noninterest expense to average assets | 2.6273% | 3,255 |
| Loan and lease loss provision to assets | 0.1446% | 1,292 |
| Net operating income to assets | 0.9822% | 2,927 |
| Return on assets (ROA) | 0.9822% | 2,958 |
| Pretax return on assets | 1.2433% | 2,586 |
| Return on Equity (ROE) | 9.5531% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.0879% | 1,804 |
| Net charge-offs to loans | 0.0674% | 1,437 |
| Credit loss provision to net charge-offs | 288.0000% | 843 |
| Earnings coverage of net charge-offs (x) | 27.6400% | 1,295 |
| Efficiency ratio | 65.4327% | 3,260 |
| Assets per employee ($millions) | 4.6757% | 2,889 |
| Cash dividends to net income (ytd only)* | 15.3374% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 550 |
| Loan loss allowance to noncurrent loans | 199.1903% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 1,894 |
| Noncurrent loans to loans | 1.0018% | 1,827 |
| Net loans and leases to total assets | 72.1129% | 2,151 |
| Net loans and leases to deposits | 87.8268% | 1,949 |
| Net loans and leases to core deposits | 93.1590% | 2,193 |
| Total domestic deposits to total assets | 82.1081% | 3,926 |
| Equity capital to assets | 10.2866% | 3,300 |
| Core capital (leverage) ratio | 10.4733% | 2,977 |
| Tier 1 risk-based capital ratio | 19.3416% | 1,466 |
| Total risk-based capital ratio | 20.6115% | 1,429 |
| Memoranda: | ||
| Average total assets | $199,140,500 | 2,939 |
| Average earning assets | $188,606,000 | 2,896 |
| Average equity | $20,475,000 | 3,111 |
| Average total loans | $148,463,500 | 2,707 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 1,744 |
| Cost of funding earning assets | 0.6874% | 1,090 |
| Net interest margin | 3.8007% | 2,425 |
| Noninterest income to average assets | 0.4693% | 3,194 |
| Noninterest expense to average assets | 2.7716% | 2,883 |
| Loan and lease loss provision to assets | 0.1311% | 1,750 |
| Net operating income to assets | 0.5726% | 4,134 |
| Return on assets (ROA) | 0.5726% | 4,168 |
| Pretax return on assets | 1.1462% | 2,996 |
| Return on Equity (ROE) | 5.5819% | 3,930 |
| Retained earnings to average equity (ytd only) | 5.0786% | 2,075 |
| Net charge-offs to loans | 0.1326% | 1,729 |
| Credit loss provision to net charge-offs | 128.2828% | 2,051 |
| Earnings coverage of net charge-offs (x) | 12.4949% | 2,469 |
| Efficiency ratio | 68.4519% | 2,805 |
| Assets per employee ($millions) | 4.1963% | 3,663 |
| Cash dividends to net income (ytd only)* | 9.0171% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 589 |
| Loan loss allowance to noncurrent loans | 161.3889% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 1,277 |
| Noncurrent loans to loans | 1.2082% | 1,469 |
| Net loans and leases to total assets | 74.0691% | 1,910 |
| Net loans and leases to deposits | 90.3587% | 1,736 |
| Net loans and leases to core deposits | 95.8556% | 2,033 |
| Total domestic deposits to total assets | 81.9723% | 3,877 |
| Equity capital to assets | 10.2766% | 3,407 |
| Core capital (leverage) ratio | 10.2009% | 3,187 |
| Tier 1 risk-based capital ratio | 19.4438% | 1,424 |
| Total risk-based capital ratio | 20.7140% | 1,394 |
| Memoranda: | ||
| Average total assets | $193,677,800 | 2,978 |
| Average earning assets | $182,415,600 | 2,938 |
| Average equity | $19,867,800 | 3,161 |
| Average total loans | $149,285,800 | 2,662 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 1,618 |
| Cost of funding earning assets | 0.6730% | 1,105 |
| Net interest margin | 3.8351% | 2,264 |
| Noninterest income to average assets | 0.4322% | 3,458 |
| Noninterest expense to average assets | 2.8113% | 2,688 |
| Loan and lease loss provision to assets | 0.1307% | 1,662 |
| Net operating income to assets | 0.7248% | 3,849 |
| Return on assets (ROA) | 0.7248% | 3,913 |
| Pretax return on assets | 1.1003% | 3,298 |
| Return on Equity (ROE) | 7.0686% | 3,621 |
| Retained earnings to average equity (ytd only) | 6.7313% | 1,832 |
| Net charge-offs to loans | 0.1821% | 1,159 |
| Credit loss provision to net charge-offs | 92.6471% | 2,423 |
| Earnings coverage of net charge-offs (x) | 8.7256% | 2,745 |
| Efficiency ratio | 69.5466% | 2,614 |
| Assets per employee ($millions) | 4.1524% | 3,735 |
| Cash dividends to net income (ytd only)* | 4.7713% | 3,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 690 |
| Loan loss allowance to noncurrent loans | 201.7082% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0275% | 1,642 |
| Noncurrent loans to loans | 0.9453% | 2,028 |
| Net loans and leases to total assets | 73.1450% | 2,074 |
| Net loans and leases to deposits | 89.0309% | 1,922 |
| Net loans and leases to core deposits | 94.6620% | 2,207 |
| Total domestic deposits to total assets | 82.1569% | 3,723 |
| Equity capital to assets | 10.1668% | 3,734 |
| Core capital (leverage) ratio | 10.2615% | 3,244 |
| Tier 1 risk-based capital ratio | 18.0350% | 1,843 |
| Total risk-based capital ratio | 19.3017% | 1,796 |
| Memoranda: | ||
| Average total assets | $192,791,250 | 3,016 |
| Average earning assets | $181,478,500 | 2,974 |
| Average equity | $19,767,750 | 3,190 |
| Average total loans | $149,360,500 | 2,679 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,391 |
| Cost of funding earning assets | 0.6613% | 1,079 |
| Net interest margin | 3.8894% | 1,969 |
| Noninterest income to average assets | 0.4837% | 3,125 |
| Noninterest expense to average assets | 2.8728% | 2,508 |
| Loan and lease loss provision to assets | 0.1291% | 1,612 |
| Net operating income to assets | 0.7481% | 3,644 |
| Return on assets (ROA) | 0.7481% | 3,701 |
| Pretax return on assets | 1.1353% | 3,030 |
| Return on Equity (ROE) | 7.2746% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.7645% | 1,706 |
| Net charge-offs to loans | 0.1537% | 1,234 |
| Credit loss provision to net charge-offs | 106.9565% | 1,925 |
| Earnings coverage of net charge-offs (x) | 10.4783% | 2,340 |
| Efficiency ratio | 69.4395% | 2,777 |
| Assets per employee ($millions) | 4.1622% | 3,693 |
| Cash dividends to net income (ytd only)* | 7.0126% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 688 |
| Loan loss allowance to noncurrent loans | 257.8520% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9682% | 1,810 |
| Noncurrent loans to loans | 0.7477% | 2,530 |
| Net loans and leases to total assets | 74.2923% | 1,812 |
| Net loans and leases to deposits | 90.6190% | 1,653 |
| Net loans and leases to core deposits | 96.7938% | 1,905 |
| Total domestic deposits to total assets | 81.9831% | 3,894 |
| Equity capital to assets | 10.1865% | 3,684 |
| Core capital (leverage) ratio | 10.4145% | 3,010 |
| Tier 1 risk-based capital ratio | 18.3894% | 1,749 |
| Total risk-based capital ratio | 19.6576% | 1,706 |
| Memoranda: | ||
| Average total assets | $190,616,670 | 3,052 |
| Average earning assets | $179,050,670 | 3,015 |
| Average equity | $19,602,330 | 3,199 |
| Average total loans | $149,606,330 | 2,683 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 986 |
| Cost of funding earning assets | 0.6337% | 1,166 |
| Net interest margin | 4.0397% | 1,371 |
| Noninterest income to average assets | 0.4848% | 3,075 |
| Noninterest expense to average assets | 2.8430% | 2,644 |
| Loan and lease loss provision to assets | 0.1425% | 1,319 |
| Net operating income to assets | 0.8527% | 2,981 |
| Return on assets (ROA) | 0.8527% | 3,024 |
| Pretax return on assets | 1.2950% | 2,253 |
| Return on Equity (ROE) | 8.2510% | 2,785 |
| Retained earnings to average equity (ytd only) | 7.2222% | 1,776 |
| Net charge-offs to loans | 0.1011% | 1,363 |
| Credit loss provision to net charge-offs | 176.3158% | 1,102 |
| Earnings coverage of net charge-offs (x) | 17.7895% | 1,587 |
| Efficiency ratio | 66.4183% | 3,425 |
| Assets per employee ($millions) | 4.0078% | 3,996 |
| Cash dividends to net income (ytd only)* | 12.4688% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 758 |
| Loan loss allowance to noncurrent loans | 170.1952% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 1,242 |
| Noncurrent loans to loans | 1.1288% | 1,810 |
| Net loans and leases to total assets | 77.9976% | 1,137 |
| Net loans and leases to deposits | 95.8726% | 941 |
| Net loans and leases to core deposits | 103.1879% | 1,280 |
| Total domestic deposits to total assets | 81.3554% | 4,330 |
| Equity capital to assets | 10.4138% | 3,278 |
| Core capital (leverage) ratio | 10.5746% | 2,817 |
| Tier 1 risk-based capital ratio | 17.9386% | 1,896 |
| Total risk-based capital ratio | 19.2064% | 1,853 |
| Memoranda: | ||
| Average total assets | $188,114,000 | 3,105 |
| Average earning assets | $176,744,000 | 3,060 |
| Average equity | $19,440,000 | 3,231 |
| Average total loans | $150,315,000 | 2,699 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 1,358 |
| Cost of funding earning assets | 0.6661% | 974 |
| Net interest margin | 3.9053% | 1,948 |
| Noninterest income to average assets | 0.4852% | 3,322 |
| Noninterest expense to average assets | 2.8904% | 2,706 |
| Loan and lease loss provision to assets | 0.0043% | 4,269 |
| Net operating income to assets | 0.8179% | 3,220 |
| Return on assets (ROA) | 0.8179% | 3,327 |
| Pretax return on assets | 1.2418% | 2,508 |
| Return on Equity (ROE) | 8.2607% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.4907% | 1,039 |
| Net charge-offs to loans | 0.1556% | 1,713 |
| Credit loss provision to net charge-offs | 3.4188% | 3,769 |
| Earnings coverage of net charge-offs (x) | 9.9872% | 2,699 |
| Efficiency ratio | 69.8763% | 2,921 |
| Assets per employee ($millions) | 3.7572% | 4,384 |
| Cash dividends to net income (ytd only)* | 9.3220% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 825 |
| Loan loss allowance to noncurrent loans | 211.8216% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 1,738 |
| Noncurrent loans to loans | 0.8917% | 2,313 |
| Net loans and leases to total assets | 78.7717% | 1,077 |
| Net loans and leases to deposits | 97.7547% | 848 |
| Net loans and leases to core deposits | 105.7626% | 1,144 |
| Total domestic deposits to total assets | 80.5810% | 4,434 |
| Equity capital to assets | 10.2543% | 3,443 |
| Core capital (leverage) ratio | 10.2235% | 3,197 |
| Tier 1 risk-based capital ratio | 17.5149% | 2,004 |
| Total risk-based capital ratio | 18.7825% | 1,957 |
| Memoranda: | ||
| Average total assets | $187,549,000 | 3,085 |
| Average earning assets | $175,350,000 | 3,053 |
| Average equity | $18,569,800 | 3,331 |
| Average total loans | $150,377,000 | 2,640 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 1,278 |
| Cost of funding earning assets | 0.6660% | 968 |
| Net interest margin | 3.9414% | 1,850 |
| Noninterest income to average assets | 0.5170% | 3,137 |
| Noninterest expense to average assets | 2.8704% | 2,740 |
| Loan and lease loss provision to assets | 0.0036% | 4,148 |
| Net operating income to assets | 0.8705% | 3,048 |
| Return on assets (ROA) | 0.8705% | 3,173 |
| Pretax return on assets | 1.3214% | 2,345 |
| Return on Equity (ROE) | 8.8712% | 2,569 |
| Retained earnings to average equity (ytd only) | 7.8347% | 1,237 |
| Net charge-offs to loans | 0.1721% | 1,339 |
| Credit loss provision to net charge-offs | 2.5773% | 3,400 |
| Earnings coverage of net charge-offs (x) | 9.6031% | 2,669 |
| Efficiency ratio | 68.4184% | 3,154 |
| Assets per employee ($millions) | 3.7866% | 4,328 |
| Cash dividends to net income (ytd only)* | 11.6829% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 836 |
| Loan loss allowance to noncurrent loans | 214.7321% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 1,673 |
| Noncurrent loans to loans | 0.8906% | 2,476 |
| Net loans and leases to total assets | 78.1788% | 1,164 |
| Net loans and leases to deposits | 96.9446% | 959 |
| Net loans and leases to core deposits | 104.4264% | 1,310 |
| Total domestic deposits to total assets | 80.6428% | 4,344 |
| Equity capital to assets | 10.0217% | 4,109 |
| Core capital (leverage) ratio | 10.0206% | 3,547 |
| Tier 1 risk-based capital ratio | 17.3071% | 2,127 |
| Total risk-based capital ratio | 18.5747% | 2,084 |
| Memoranda: | ||
| Average total assets | $187,470,750 | 3,098 |
| Average earning assets | $174,960,250 | 3,073 |
| Average equity | $18,396,250 | 3,384 |
| Average total loans | $150,263,500 | 2,638 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5710% | 1,329 |
| Cost of funding earning assets | 0.6688% | 942 |
| Net interest margin | 3.9023% | 1,970 |
| Noninterest income to average assets | 0.5427% | 2,943 |
| Noninterest expense to average assets | 2.9039% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8349% | 3,153 |
| Return on assets (ROA) | 0.8349% | 3,290 |
| Pretax return on assets | 1.2673% | 2,531 |
| Return on Equity (ROE) | 8.5697% | 2,714 |
| Retained earnings to average equity (ytd only) | 7.5479% | 1,361 |
| Net charge-offs to loans | 0.1120% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.0952% | 2,079 |
| Efficiency ratio | 69.6177% | 3,040 |
| Assets per employee ($millions) | 3.7334% | 4,389 |
| Cash dividends to net income (ytd only)* | 11.9231% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 778 |
| Loan loss allowance to noncurrent loans | 212.5800% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 1,639 |
| Noncurrent loans to loans | 0.9286% | 2,413 |
| Net loans and leases to total assets | 78.0031% | 1,207 |
| Net loans and leases to deposits | 96.2678% | 1,053 |
| Net loans and leases to core deposits | 103.4190% | 1,372 |
| Total domestic deposits to total assets | 81.0272% | 4,267 |
| Equity capital to assets | 9.7603% | 4,501 |
| Core capital (leverage) ratio | 9.8391% | 3,762 |
| Tier 1 risk-based capital ratio | 16.7028% | 2,348 |
| Total risk-based capital ratio | 17.9727% | 2,292 |
| Memoranda: | ||
| Average total assets | $186,851,000 | 3,117 |
| Average earning assets | $173,745,670 | 3,098 |
| Average equity | $18,203,670 | 3,418 |
| Average total loans | $150,050,670 | 2,646 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,214 |
| Cost of funding earning assets | 0.6537% | 1,033 |
| Net interest margin | 3.9667% | 1,722 |
| Noninterest income to average assets | 0.5446% | 2,843 |
| Noninterest expense to average assets | 2.9977% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8105% | 3,185 |
| Return on assets (ROA) | 0.8105% | 3,313 |
| Pretax return on assets | 1.2319% | 2,573 |
| Return on Equity (ROE) | 8.3271% | 2,749 |
| Retained earnings to average equity (ytd only) | 6.2620% | 2,252 |
| Net charge-offs to loans | 0.1393% | 1,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.9615% | 1,894 |
| Efficiency ratio | 70.8738% | 2,971 |
| Assets per employee ($millions) | 3.7758% | 4,352 |
| Cash dividends to net income (ytd only)* | 24.8000% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 794 |
| Loan loss allowance to noncurrent loans | 369.5599% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 2,298 |
| Noncurrent loans to loans | 0.5458% | 3,548 |
| Net loans and leases to total assets | 79.3784% | 899 |
| Net loans and leases to deposits | 96.8638% | 858 |
| Net loans and leases to core deposits | 100.6918% | 1,427 |
| Total domestic deposits to total assets | 81.9485% | 4,245 |
| Equity capital to assets | 9.8208% | 4,312 |
| Core capital (leverage) ratio | 9.9585% | 3,588 |
| Tier 1 risk-based capital ratio | 16.6613% | 2,417 |
| Total risk-based capital ratio | 17.9313% | 2,352 |
| Memoranda: | ||
| Average total assets | $185,074,500 | 3,144 |
| Average earning assets | $171,932,000 | 3,132 |
| Average equity | $18,013,500 | 3,433 |
| Average total loans | $149,320,000 | 2,661 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 1,529 |
| Cost of funding earning assets | 0.6599% | 1,021 |
| Net interest margin | 3.8621% | 2,154 |
| Noninterest income to average assets | 0.6632% | 2,389 |
| Noninterest expense to average assets | 2.8898% | 2,890 |
| Loan and lease loss provision to assets | 0.1661% | 1,384 |
| Net operating income to assets | 0.7981% | 3,350 |
| Return on assets (ROA) | 0.7981% | 3,431 |
| Pretax return on assets | 1.2119% | 2,611 |
| Return on Equity (ROE) | 8.6215% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.1831% | 1,711 |
| Net charge-offs to loans | 0.0774% | 2,717 |
| Credit loss provision to net charge-offs | 268.6957% | 1,079 |
| Earnings coverage of net charge-offs (x) | 22.2957% | 1,778 |
| Efficiency ratio | 67.7119% | 3,622 |
| Assets per employee ($millions) | 3.5603% | 4,702 |
| Cash dividends to net income (ytd only)* | 28.2828% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 715 |
| Loan loss allowance to noncurrent loans | 197.1154% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 1,646 |
| Noncurrent loans to loans | 1.0487% | 2,238 |
| Net loans and leases to total assets | 78.6889% | 1,035 |
| Net loans and leases to deposits | 95.6784% | 1,046 |
| Net loans and leases to core deposits | 99.6532% | 1,535 |
| Total domestic deposits to total assets | 82.2431% | 4,098 |
| Equity capital to assets | 9.6454% | 4,380 |
| Core capital (leverage) ratio | 9.6409% | 3,990 |
| Tier 1 risk-based capital ratio | 16.4882% | 2,488 |
| Total risk-based capital ratio | 17.7587% | 2,434 |
| Memoranda: | ||
| Average total assets | $186,069,000 | 3,102 |
| Average earning assets | $173,664,000 | 3,070 |
| Average equity | $17,224,400 | 3,502 |
| Average total loans | $148,559,800 | 2,615 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5248% | 1,525 |
| Cost of funding earning assets | 0.6623% | 1,017 |
| Net interest margin | 3.8626% | 2,150 |
| Noninterest income to average assets | 0.5511% | 3,047 |
| Noninterest expense to average assets | 2.8770% | 2,920 |
| Loan and lease loss provision to assets | 0.1646% | 1,292 |
| Net operating income to assets | 0.7371% | 3,736 |
| Return on assets (ROA) | 0.7371% | 3,835 |
| Pretax return on assets | 1.1200% | 3,137 |
| Return on Equity (ROE) | 8.0469% | 3,052 |
| Retained earnings to average equity (ytd only) | 5.3125% | 2,712 |
| Net charge-offs to loans | 0.0808% | 2,400 |
| Credit loss provision to net charge-offs | 255.5556% | 1,117 |
| Earnings coverage of net charge-offs (x) | 19.9439% | 1,900 |
| Efficiency ratio | 69.1316% | 3,350 |
| Assets per employee ($millions) | 3.5185% | 4,764 |
| Cash dividends to net income (ytd only)* | 33.9809% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 848 |
| Loan loss allowance to noncurrent loans | 234.0046% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 2,355 |
| Noncurrent loans to loans | 0.8752% | 2,794 |
| Net loans and leases to total assets | 77.4865% | 1,183 |
| Net loans and leases to deposits | 93.9078% | 1,215 |
| Net loans and leases to core deposits | 97.9275% | 1,701 |
| Total domestic deposits to total assets | 82.5133% | 3,983 |
| Equity capital to assets | 9.3887% | 4,896 |
| Core capital (leverage) ratio | 9.3676% | 4,487 |
| Tier 1 risk-based capital ratio | 16.1913% | 2,719 |
| Total risk-based capital ratio | 17.4629% | 2,665 |
| Memoranda: | ||
| Average total assets | $186,302,750 | 3,122 |
| Average earning assets | $174,145,500 | 3,085 |
| Average equity | $17,066,250 | 3,547 |
| Average total loans | $148,511,000 | 2,623 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,538 |
| Cost of funding earning assets | 0.6602% | 1,048 |
| Net interest margin | 3.8397% | 2,173 |
| Noninterest income to average assets | 0.5337% | 3,147 |
| Noninterest expense to average assets | 2.9306% | 2,784 |
| Loan and lease loss provision to assets | 0.1675% | 1,248 |
| Net operating income to assets | 0.6755% | 4,001 |
| Return on assets (ROA) | 0.6755% | 4,112 |
| Pretax return on assets | 1.0266% | 3,473 |
| Return on Equity (ROE) | 7.4354% | 3,354 |
| Retained earnings to average equity (ytd only) | 3.2981% | 3,944 |
| Net charge-offs to loans | 0.0618% | 2,497 |
| Credit loss provision to net charge-offs | 339.1304% | 854 |
| Earnings coverage of net charge-offs (x) | 24.1739% | 1,576 |
| Efficiency ratio | 71.0492% | 3,147 |
| Assets per employee ($millions) | 3.5976% | 4,630 |
| Cash dividends to net income (ytd only)* | 55.6439% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0368% | 929 |
| Loan loss allowance to noncurrent loans | 127.3850% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 1,539 |
| Noncurrent loans to loans | 1.5989% | 1,639 |
| Net loans and leases to total assets | 76.8984% | 1,237 |
| Net loans and leases to deposits | 92.8475% | 1,270 |
| Net loans and leases to core deposits | 96.0892% | 1,791 |
| Total domestic deposits to total assets | 82.8223% | 4,018 |
| Equity capital to assets | 9.1413% | 5,094 |
| Core capital (leverage) ratio | 9.0747% | 4,859 |
| Tier 1 risk-based capital ratio | 15.8504% | 2,928 |
| Total risk-based capital ratio | 17.1202% | 2,877 |
| Memoranda: | ||
| Average total assets | $186,244,000 | 3,143 |
| Average earning assets | $174,178,670 | 3,105 |
| Average equity | $16,919,000 | 3,578 |
| Average total loans | $148,842,330 | 2,634 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,392 |
| Cost of funding earning assets | 0.6548% | 1,081 |
| Net interest margin | 3.8710% | 1,991 |
| Noninterest income to average assets | 0.5360% | 3,048 |
| Noninterest expense to average assets | 2.8047% | 3,237 |
| Loan and lease loss provision to assets | 0.1744% | 1,121 |
| Net operating income to assets | 0.7706% | 3,425 |
| Return on assets (ROA) | 0.7706% | 3,560 |
| Pretax return on assets | 1.1710% | 2,777 |
| Return on Equity (ROE) | 8.5096% | 2,691 |
| Retained earnings to average equity (ytd only) | 0.1902% | 5,307 |
| Net charge-offs to loans | 0.0133% | 2,918 |
| Credit loss provision to net charge-offs | 1,620.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 413 |
| Efficiency ratio | 67.5830% | 3,894 |
| Assets per employee ($millions) | 3.6352% | 4,648 |
| Cash dividends to net income (ytd only)* | 97.7654% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9958% | 1,088 |
| Loan loss allowance to noncurrent loans | 143.8230% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3949% | 1,902 |
| Noncurrent loans to loans | 1.3877% | 2,068 |
| Net loans and leases to total assets | 78.3228% | 878 |
| Net loans and leases to deposits | 95.9487% | 832 |
| Net loans and leases to core deposits | 98.8690% | 1,404 |
| Total domestic deposits to total assets | 81.6298% | 4,629 |
| Equity capital to assets | 9.0791% | 5,213 |
| Core capital (leverage) ratio | 9.0945% | 4,849 |
| Tier 1 risk-based capital ratio | 15.9634% | 2,941 |
| Total risk-based capital ratio | 17.2106% | 2,880 |
| Memoranda: | ||
| Average total assets | $185,829,000 | 3,162 |
| Average earning assets | $173,493,500 | 3,130 |
| Average equity | $16,828,000 | 3,614 |
| Average total loans | $149,839,500 | 2,625 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 1,346 |
| Cost of funding earning assets | 0.6625% | 1,320 |
| Net interest margin | 4.0218% | 1,834 |
| Noninterest income to average assets | 0.5662% | 3,081 |
| Noninterest expense to average assets | 2.8763% | 3,218 |
| Loan and lease loss provision to assets | 0.1840% | 1,395 |
| Net operating income to assets | 0.8256% | 3,253 |
| Return on assets (ROA) | 0.8256% | 3,345 |
| Pretax return on assets | 1.2547% | 2,418 |
| Return on Equity (ROE) | 9.3992% | 2,393 |
| Retained earnings to average equity (ytd only) | 8.9330% | 722 |
| Net charge-offs to loans | 0.0435% | 3,956 |
| Credit loss provision to net charge-offs | 518.4615% | 506 |
| Earnings coverage of net charge-offs (x) | 40.5385% | 1,074 |
| Efficiency ratio | 66.6582% | 4,122 |
| Assets per employee ($millions) | 3.5820% | 4,754 |
| Cash dividends to net income (ytd only)* | 4.9603% | 4,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9014% | 1,311 |
| Loan loss allowance to noncurrent loans | 102.7827% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 1,571 |
| Noncurrent loans to loans | 1.8500% | 1,540 |
| Net loans and leases to total assets | 79.7981% | 762 |
| Net loans and leases to deposits | 100.1698% | 613 |
| Net loans and leases to core deposits | 103.2761% | 1,168 |
| Total domestic deposits to total assets | 79.6628% | 5,102 |
| Equity capital to assets | 9.0323% | 5,250 |
| Core capital (leverage) ratio | 9.1390% | 4,768 |
| Tier 1 risk-based capital ratio | 15.0777% | 3,446 |
| Total risk-based capital ratio | 16.3453% | 3,385 |
| Memoranda: | ||
| Average total assets | $183,150,000 | 3,175 |
| Average earning assets | $170,719,600 | 3,148 |
| Average equity | $16,086,400 | 3,653 |
| Average total loans | $149,362,000 | 2,580 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,287 |
| Cost of funding earning assets | 0.6647% | 1,358 |
| Net interest margin | 4.0444% | 1,742 |
| Noninterest income to average assets | 0.5600% | 3,131 |
| Noninterest expense to average assets | 2.9083% | 3,086 |
| Loan and lease loss provision to assets | 0.2098% | 1,108 |
| Net operating income to assets | 0.7991% | 3,430 |
| Return on assets (ROA) | 0.7991% | 3,527 |
| Pretax return on assets | 1.2143% | 2,720 |
| Return on Equity (ROE) | 9.1643% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.9546% | 1,025 |
| Net charge-offs to loans | 0.0511% | 3,481 |
| Credit loss provision to net charge-offs | 503.5088% | 565 |
| Earnings coverage of net charge-offs (x) | 34.1746% | 1,258 |
| Efficiency ratio | 67.1279% | 4,021 |
| Assets per employee ($millions) | 3.6498% | 4,573 |
| Cash dividends to net income (ytd only)* | 2.2871% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 1,483 |
| Loan loss allowance to noncurrent loans | 144.2581% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 2,601 |
| Noncurrent loans to loans | 1.3069% | 2,465 |
| Net loans and leases to total assets | 79.3761% | 787 |
| Net loans and leases to deposits | 96.8909% | 805 |
| Net loans and leases to core deposits | 99.5050% | 1,413 |
| Total domestic deposits to total assets | 81.9231% | 4,506 |
| Equity capital to assets | 8.8418% | 5,514 |
| Core capital (leverage) ratio | 8.9518% | 5,132 |
| Tier 1 risk-based capital ratio | 14.7748% | 3,716 |
| Total risk-based capital ratio | 16.0415% | 3,648 |
| Memoranda: | ||
| Average total assets | $182,371,250 | 3,208 |
| Average earning assets | $170,108,000 | 3,187 |
| Average equity | $15,902,000 | 3,707 |
| Average total loans | $148,823,250 | 2,598 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 1,203 |
| Cost of funding earning assets | 0.6673% | 1,398 |
| Net interest margin | 4.0702% | 1,606 |
| Noninterest income to average assets | 0.5488% | 3,133 |
| Noninterest expense to average assets | 2.9639% | 2,954 |
| Loan and lease loss provision to assets | 0.2341% | 968 |
| Net operating income to assets | 0.7520% | 3,558 |
| Return on assets (ROA) | 0.7520% | 3,656 |
| Pretax return on assets | 1.1429% | 2,918 |
| Return on Equity (ROE) | 8.6660% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.3478% | 1,190 |
| Net charge-offs to loans | 0.0472% | 3,303 |
| Credit loss provision to net charge-offs | 605.7143% | 496 |
| Earnings coverage of net charge-offs (x) | 35.6286% | 1,140 |
| Efficiency ratio | 68.2778% | 3,952 |
| Assets per employee ($millions) | 3.5139% | 4,817 |
| Cash dividends to net income (ytd only)* | 3.6711% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 1,693 |
| Loan loss allowance to noncurrent loans | 173.0435% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 3,096 |
| Noncurrent loans to loans | 1.0713% | 3,089 |
| Net loans and leases to total assets | 80.7191% | 599 |
| Net loans and leases to deposits | 98.5962% | 624 |
| Net loans and leases to core deposits | 100.8637% | 1,211 |
| Total domestic deposits to total assets | 81.8684% | 4,693 |
| Equity capital to assets | 8.7815% | 5,535 |
| Core capital (leverage) ratio | 8.8337% | 5,244 |
| Tier 1 risk-based capital ratio | 14.7372% | 3,784 |
| Total risk-based capital ratio | 16.0046% | 3,726 |
| Memoranda: | ||
| Average total assets | $181,115,670 | 3,239 |
| Average earning assets | $168,739,330 | 3,213 |
| Average equity | $15,716,670 | 3,740 |
| Average total loans | $148,235,000 | 2,601 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7655% | 1,112 |
| Cost of funding earning assets | 0.6723% | 1,427 |
| Net interest margin | 4.0932% | 1,471 |
| Noninterest income to average assets | 0.5457% | 3,078 |
| Noninterest expense to average assets | 2.8595% | 3,343 |
| Loan and lease loss provision to assets | 0.2440% | 891 |
| Net operating income to assets | 0.7165% | 3,593 |
| Return on assets (ROA) | 0.7165% | 3,680 |
| Pretax return on assets | 1.2512% | 2,281 |
| Return on Equity (ROE) | 8.3076% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.3076% | 1,494 |
| Net charge-offs to loans | 0.0734% | 2,414 |
| Credit loss provision to net charge-offs | 407.4074% | 643 |
| Earnings coverage of net charge-offs (x) | 24.9630% | 1,168 |
| Efficiency ratio | 65.6648% | 4,581 |
| Assets per employee ($millions) | 3.5985% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 1,974 |
| Loan loss allowance to noncurrent loans | 210.6416% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9031% | 3,477 |
| Noncurrent loans to loans | 0.8655% | 3,728 |
| Net loans and leases to total assets | 80.5703% | 490 |
| Net loans and leases to deposits | 98.7305% | 506 |
| Net loans and leases to core deposits | 101.7741% | 1,000 |
| Total domestic deposits to total assets | 81.6063% | 5,056 |
| Equity capital to assets | 8.7330% | 5,418 |
| Core capital (leverage) ratio | 8.7247% | 5,353 |
| Tier 1 risk-based capital ratio | 14.3684% | 4,084 |
| Total risk-based capital ratio | 15.6340% | 4,034 |
| Memoranda: | ||
| Average total assets | $180,311,000 | 3,271 |
| Average earning assets | $167,788,500 | 3,245 |
| Average equity | $15,552,000 | 3,775 |
| Average total loans | $147,212,500 | 2,626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 1,031 |
| Cost of funding earning assets | 0.7010% | 1,806 |
| Net interest margin | 4.2329% | 1,265 |
| Noninterest income to average assets | 0.5672% | 3,287 |
| Noninterest expense to average assets | 2.9326% | 3,270 |
| Loan and lease loss provision to assets | 0.2557% | 1,410 |
| Net operating income to assets | 0.8621% | 2,963 |
| Return on assets (ROA) | 0.8621% | 3,045 |
| Pretax return on assets | 1.3091% | 2,109 |
| Return on Equity (ROE) | 10.2920% | 1,998 |
| Retained earnings to average equity (ytd only) | 9.4423% | 670 |
| Net charge-offs to loans | 0.0715% | 4,207 |
| Credit loss provision to net charge-offs | 440.1961% | 518 |
| Earnings coverage of net charge-offs (x) | 26.9412% | 1,282 |
| Efficiency ratio | 65.2064% | 4,699 |
| Assets per employee ($millions) | 3.6139% | 4,644 |
| Cash dividends to net income (ytd only)* | 8.2563% | 4,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 2,135 |
| Loan loss allowance to noncurrent loans | 153.8325% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 3,136 |
| Noncurrent loans to loans | 1.1556% | 3,230 |
| Net loans and leases to total assets | 79.7787% | 617 |
| Net loans and leases to deposits | 97.2011% | 649 |
| Net loans and leases to core deposits | 100.0521% | 1,160 |
| Total domestic deposits to total assets | 82.0760% | 4,846 |
| Equity capital to assets | 8.5176% | 5,562 |
| Core capital (leverage) ratio | 8.7233% | 5,390 |
| Tier 1 risk-based capital ratio | 14.0006% | 4,299 |
| Total risk-based capital ratio | 15.2630% | 4,224 |
| Memoranda: | ||
| Average total assets | $175,613,800 | 3,328 |
| Average earning assets | $163,055,800 | 3,301 |
| Average equity | $14,710,400 | 3,917 |
| Average total loans | $142,716,800 | 2,661 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9601% | 1,013 |
| Cost of funding earning assets | 0.7135% | 1,861 |
| Net interest margin | 4.2466% | 1,209 |
| Noninterest income to average assets | 0.5797% | 3,272 |
| Noninterest expense to average assets | 2.9283% | 3,217 |
| Loan and lease loss provision to assets | 0.2600% | 1,361 |
| Net operating income to assets | 0.8779% | 2,944 |
| Return on assets (ROA) | 0.8779% | 3,063 |
| Pretax return on assets | 1.3330% | 2,199 |
| Return on Equity (ROE) | 10.5268% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.0683% | 775 |
| Net charge-offs to loans | 0.0847% | 3,738 |
| Credit loss provision to net charge-offs | 377.7778% | 701 |
| Earnings coverage of net charge-offs (x) | 23.1438% | 1,472 |
| Efficiency ratio | 64.7666% | 4,684 |
| Assets per employee ($millions) | 3.3946% | 5,075 |
| Cash dividends to net income (ytd only)* | 4.3557% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 2,572 |
| Loan loss allowance to noncurrent loans | 204.2276% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 3,901 |
| Noncurrent loans to loans | 0.8408% | 4,151 |
| Net loans and leases to total assets | 81.4486% | 409 |
| Net loans and leases to deposits | 99.6155% | 484 |
| Net loans and leases to core deposits | 106.6399% | 721 |
| Total domestic deposits to total assets | 81.7630% | 5,005 |
| Equity capital to assets | 8.5514% | 5,676 |
| Core capital (leverage) ratio | 8.5847% | 5,679 |
| Tier 1 risk-based capital ratio | 13.6443% | 4,663 |
| Total risk-based capital ratio | 14.9011% | 4,613 |
| Memoranda: | ||
| Average total assets | $174,343,250 | 3,368 |
| Average earning assets | $161,821,250 | 3,341 |
| Average equity | $14,540,250 | 4,003 |
| Average total loans | $141,704,500 | 2,687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 1,011 |
| Cost of funding earning assets | 0.7145% | 1,965 |
| Net interest margin | 4.2299% | 1,198 |
| Noninterest income to average assets | 0.5506% | 3,495 |
| Noninterest expense to average assets | 2.9605% | 3,123 |
| Loan and lease loss provision to assets | 0.2385% | 1,556 |
| Net operating income to assets | 0.8375% | 3,110 |
| Return on assets (ROA) | 0.8375% | 3,264 |
| Pretax return on assets | 1.2729% | 2,395 |
| Return on Equity (ROE) | 10.1286% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.4320% | 985 |
| Net charge-offs to loans | 0.0899% | 3,472 |
| Credit loss provision to net charge-offs | 328.5714% | 791 |
| Earnings coverage of net charge-offs (x) | 20.8254% | 1,440 |
| Efficiency ratio | 66.2030% | 4,515 |
| Assets per employee ($millions) | 3.4003% | 5,057 |
| Cash dividends to net income (ytd only)* | 6.8776% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6774% | 2,867 |
| Loan loss allowance to noncurrent loans | 176.9118% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.9609% | 3,858 |
| Noncurrent loans to loans | 0.9482% | 4,034 |
| Net loans and leases to total assets | 79.7609% | 558 |
| Net loans and leases to deposits | 98.6458% | 507 |
| Net loans and leases to core deposits | 101.7496% | 960 |
| Total domestic deposits to total assets | 80.8558% | 5,386 |
| Equity capital to assets | 8.3024% | 5,972 |
| Core capital (leverage) ratio | 8.4730% | 5,702 |
| Tier 1 risk-based capital ratio | 13.4009% | 4,835 |
| Total risk-based capital ratio | 14.6643% | 4,785 |
| Memoranda: | ||
| Average total assets | $173,617,670 | 3,399 |
| Average earning assets | $160,951,000 | 3,382 |
| Average equity | $14,355,330 | 4,079 |
| Average total loans | $140,177,670 | 2,715 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 959 |
| Cost of funding earning assets | 0.7237% | 2,036 |
| Net interest margin | 4.2439% | 1,086 |
| Noninterest income to average assets | 0.5651% | 3,344 |
| Noninterest expense to average assets | 2.9160% | 3,285 |
| Loan and lease loss provision to assets | 0.2442% | 1,477 |
| Net operating income to assets | 0.8766% | 2,768 |
| Return on assets (ROA) | 0.8766% | 2,916 |
| Pretax return on assets | 1.3324% | 2,113 |
| Return on Equity (ROE) | 10.6250% | 1,829 |
| Retained earnings to average equity (ytd only) | 9.2158% | 1,316 |
| Net charge-offs to loans | 0.0549% | 3,280 |
| Credit loss provision to net charge-offs | 552.6316% | 486 |
| Earnings coverage of net charge-offs (x) | 35.6842% | 864 |
| Efficiency ratio | 64.9068% | 4,837 |
| Assets per employee ($millions) | 3.2541% | 5,534 |
| Cash dividends to net income (ytd only)* | 13.2626% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 3,065 |
| Loan loss allowance to noncurrent loans | 207.4205% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 4,344 |
| Noncurrent loans to loans | 0.8128% | 4,498 |
| Net loans and leases to total assets | 79.3903% | 482 |
| Net loans and leases to deposits | 95.2501% | 584 |
| Net loans and leases to core deposits | 98.5845% | 1,040 |
| Total domestic deposits to total assets | 83.3493% | 4,734 |
| Equity capital to assets | 8.3233% | 6,171 |
| Core capital (leverage) ratio | 8.2525% | 5,877 |
| Tier 1 risk-based capital ratio | 13.3507% | 4,970 |
| Total risk-based capital ratio | 14.6132% | 4,914 |
| Memoranda: | ||
| Average total assets | $172,018,500 | 3,470 |
| Average earning assets | $159,191,500 | 3,448 |
| Average equity | $14,193,000 | 4,159 |
| Average total loans | $138,548,500 | 2,753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9702% | 1,641 |
| Cost of funding earning assets | 0.9272% | 1,772 |
| Net interest margin | 4.0430% | 2,226 |
| Noninterest income to average assets | 0.5533% | 3,555 |
| Noninterest expense to average assets | 2.8260% | 3,918 |
| Loan and lease loss provision to assets | 0.2561% | 2,603 |
| Net operating income to assets | 0.8042% | 3,271 |
| Return on assets (ROA) | 0.8042% | 3,520 |
| Pretax return on assets | 1.2212% | 2,721 |
| Return on Equity (ROE) | 10.1123% | 2,123 |
| Retained earnings to average equity (ytd only) | 8.0810% | 1,094 |
| Net charge-offs to loans | 0.1501% | 4,187 |
| Credit loss provision to net charge-offs | 218.0000% | 1,159 |
| Earnings coverage of net charge-offs (x) | 12.5750% | 1,912 |
| Efficiency ratio | 65.6702% | 4,568 |
| Assets per employee ($millions) | 3.2994% | 5,421 |
| Cash dividends to net income (ytd only)* | 20.0877% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,142 |
| Loan loss allowance to noncurrent loans | 121.2219% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3773% | 3,334 |
| Noncurrent loans to loans | 1.3539% | 3,572 |
| Net loans and leases to total assets | 79.0144% | 561 |
| Net loans and leases to deposits | 94.6663% | 706 |
| Net loans and leases to core deposits | 97.6299% | 1,172 |
| Total domestic deposits to total assets | 83.4662% | 4,550 |
| Equity capital to assets | 8.1780% | 6,299 |
| Core capital (leverage) ratio | 8.1888% | 6,011 |
| Tier 1 risk-based capital ratio | 13.0588% | 5,067 |
| Total risk-based capital ratio | 14.3291% | 5,001 |
| Memoranda: | ||
| Average total assets | $170,238,200 | 3,450 |
| Average earning assets | $157,902,600 | 3,405 |
| Average equity | $13,538,000 | 4,248 |
| Average total loans | $133,278,200 | 2,821 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 1,773 |
| Cost of funding earning assets | 0.9702% | 1,738 |
| Net interest margin | 3.9998% | 2,501 |
| Noninterest income to average assets | 0.5517% | 3,603 |
| Noninterest expense to average assets | 2.7371% | 4,225 |
| Loan and lease loss provision to assets | 0.2527% | 2,548 |
| Net operating income to assets | 0.8404% | 3,261 |
| Return on assets (ROA) | 0.8404% | 3,507 |
| Pretax return on assets | 1.2760% | 2,683 |
| Return on Equity (ROE) | 10.6447% | 2,079 |
| Retained earnings to average equity (ytd only) | 10.1478% | 877 |
| Net charge-offs to loans | 0.1110% | 4,282 |
| Credit loss provision to net charge-offs | 292.7273% | 925 |
| Earnings coverage of net charge-offs (x) | 17.7095% | 1,607 |
| Efficiency ratio | 64.1648% | 4,782 |
| Assets per employee ($millions) | 3.3094% | 5,421 |
| Cash dividends to net income (ytd only)* | 4.6689% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 3,354 |
| Loan loss allowance to noncurrent loans | 112.6888% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 3,582 |
| Noncurrent loans to loans | 1.4584% | 3,610 |
| Net loans and leases to total assets | 77.8298% | 753 |
| Net loans and leases to deposits | 92.1478% | 960 |
| Net loans and leases to core deposits | 95.5505% | 1,449 |
| Total domestic deposits to total assets | 84.4619% | 3,998 |
| Equity capital to assets | 8.1116% | 6,539 |
| Core capital (leverage) ratio | 8.0317% | 6,298 |
| Tier 1 risk-based capital ratio | 13.4251% | 4,932 |
| Total risk-based capital ratio | 14.6964% | 4,876 |
| Memoranda: | ||
| Average total assets | $169,905,250 | 3,487 |
| Average earning assets | $157,771,750 | 3,451 |
| Average equity | $13,414,750 | 4,312 |
| Average total loans | $132,141,000 | 2,871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 1,912 |
| Cost of funding earning assets | 0.9844% | 1,856 |
| Net interest margin | 3.9717% | 2,628 |
| Noninterest income to average assets | 0.5474% | 3,594 |
| Noninterest expense to average assets | 2.7710% | 4,129 |
| Loan and lease loss provision to assets | 0.2778% | 2,364 |
| Net operating income to assets | 0.7838% | 3,454 |
| Return on assets (ROA) | 0.7838% | 3,717 |
| Pretax return on assets | 1.1905% | 2,968 |
| Return on Equity (ROE) | 10.0202% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.2645% | 1,189 |
| Net charge-offs to loans | 0.1544% | 3,682 |
| Credit loss provision to net charge-offs | 232.6733% | 1,223 |
| Earnings coverage of net charge-offs (x) | 12.2970% | 1,892 |
| Efficiency ratio | 65.3653% | 4,652 |
| Assets per employee ($millions) | 3.4423% | 5,105 |
| Cash dividends to net income (ytd only)* | 7.5415% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 3,564 |
| Loan loss allowance to noncurrent loans | 183.8298% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 4,528 |
| Noncurrent loans to loans | 0.8766% | 4,739 |
| Net loans and leases to total assets | 76.6258% | 891 |
| Net loans and leases to deposits | 92.0244% | 950 |
| Net loans and leases to core deposits | 95.6409% | 1,459 |
| Total domestic deposits to total assets | 83.2668% | 4,640 |
| Equity capital to assets | 7.8605% | 6,647 |
| Core capital (leverage) ratio | 7.8508% | 6,411 |
| Tier 1 risk-based capital ratio | 12.9400% | 5,222 |
| Total risk-based capital ratio | 14.2090% | 5,187 |
| Memoranda: | ||
| Average total assets | $169,178,000 | 3,513 |
| Average earning assets | $157,260,670 | 3,478 |
| Average equity | $13,233,330 | 4,351 |
| Average total loans | $130,797,000 | 2,916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,875 |
| Cost of funding earning assets | 1.0022% | 1,970 |
| Net interest margin | 4.0012% | 2,503 |
| Noninterest income to average assets | 0.5963% | 3,253 |
| Noninterest expense to average assets | 2.7834% | 4,110 |
| Loan and lease loss provision to assets | 0.2743% | 2,271 |
| Net operating income to assets | 0.8324% | 3,233 |
| Return on assets (ROA) | 0.8324% | 3,467 |
| Pretax return on assets | 1.2617% | 2,687 |
| Return on Equity (ROE) | 10.6683% | 2,161 |
| Retained earnings to average equity (ytd only) | 10.6683% | 1,123 |
| Net charge-offs to loans | 0.2508% | 2,666 |
| Credit loss provision to net charge-offs | 141.9753% | 1,740 |
| Earnings coverage of net charge-offs (x) | 7.9506% | 2,017 |
| Efficiency ratio | 64.4395% | 4,843 |
| Assets per employee ($millions) | 3.4540% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,827 |
| Loan loss allowance to noncurrent loans | 193.0647% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 4,400 |
| Noncurrent loans to loans | 0.8157% | 5,043 |
| Net loans and leases to total assets | 74.5511% | 981 |
| Net loans and leases to deposits | 89.4134% | 1,020 |
| Net loans and leases to core deposits | 92.2383% | 1,629 |
| Total domestic deposits to total assets | 83.3780% | 4,772 |
| Equity capital to assets | 7.6781% | 6,704 |
| Core capital (leverage) ratio | 7.9493% | 6,298 |
| Tier 1 risk-based capital ratio | 13.2436% | 5,038 |
| Total risk-based capital ratio | 14.5124% | 5,000 |
| Memoranda: | ||
| Average total assets | $167,710,500 | 3,558 |
| Average earning assets | $156,052,500 | 3,513 |
| Average equity | $13,085,500 | 4,393 |
| Average total loans | $129,174,000 | 2,955 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 2,537 |
| Cost of funding earning assets | 1.1415% | 2,403 |
| Net interest margin | 3.9365% | 3,173 |
| Noninterest income to average assets | 0.7387% | 2,396 |
| Noninterest expense to average assets | 2.9192% | 3,881 |
| Loan and lease loss provision to assets | 0.3694% | 2,775 |
| Net operating income to assets | 0.7535% | 3,248 |
| Return on assets (ROA) | 0.7535% | 3,413 |
| Pretax return on assets | 1.1443% | 2,677 |
| Return on Equity (ROE) | 9.6505% | 2,186 |
| Retained earnings to average equity (ytd only) | 3.1565% | 3,976 |
| Net charge-offs to loans | 0.2675% | 4,094 |
| Credit loss provision to net charge-offs | 178.8690% | 1,463 |
| Earnings coverage of net charge-offs (x) | 7.3304% | 2,351 |
| Efficiency ratio | 65.8533% | 4,799 |
| Assets per employee ($millions) | 3.1906% | 5,729 |
| Cash dividends to net income (ytd only)* | 67.2920% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5885% | 3,631 |
| Loan loss allowance to noncurrent loans | 123.3110% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.5106% | 3,687 |
| Noncurrent loans to loans | 1.2882% | 4,219 |
| Net loans and leases to total assets | 77.1334% | 809 |
| Net loans and leases to deposits | 89.3166% | 1,222 |
| Net loans and leases to core deposits | 92.0345% | 1,882 |
| Total domestic deposits to total assets | 86.3596% | 3,110 |
| Equity capital to assets | 7.9344% | 6,614 |
| Core capital (leverage) ratio | 7.7789% | 6,461 |
| Tier 1 risk-based capital ratio | 12.9729% | 5,092 |
| Total risk-based capital ratio | 14.2432% | 5,049 |
| Memoranda: | ||
| Average total assets | $162,717,200 | 3,594 |
| Average earning assets | $152,699,400 | 3,539 |
| Average equity | $12,704,000 | 4,393 |
| Average total loans | $125,602,200 | 3,069 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 2,712 |
| Cost of funding earning assets | 1.1591% | 2,574 |
| Net interest margin | 3.9204% | 3,278 |
| Noninterest income to average assets | 0.7801% | 2,139 |
| Noninterest expense to average assets | 2.8745% | 4,038 |
| Loan and lease loss provision to assets | 0.3687% | 2,645 |
| Net operating income to assets | 0.8030% | 3,141 |
| Return on assets (ROA) | 0.8030% | 3,309 |
| Pretax return on assets | 1.2201% | 2,558 |
| Return on Equity (ROE) | 10.3273% | 2,094 |
| Retained earnings to average equity (ytd only) | 4.2679% | 3,692 |
| Net charge-offs to loans | 0.2952% | 3,614 |
| Credit loss provision to net charge-offs | 162.4549% | 1,888 |
| Earnings coverage of net charge-offs (x) | 7.0001% | 2,438 |
| Efficiency ratio | 64.4024% | 4,997 |
| Assets per employee ($millions) | 3.3967% | 5,252 |
| Cash dividends to net income (ytd only)* | 58.6738% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5287% | 3,966 |
| Loan loss allowance to noncurrent loans | 131.0298% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.3699% | 4,085 |
| Noncurrent loans to loans | 1.1667% | 4,590 |
| Net loans and leases to total assets | 74.8504% | 1,175 |
| Net loans and leases to deposits | 87.3772% | 1,511 |
| Net loans and leases to core deposits | 90.2236% | 2,224 |
| Total domestic deposits to total assets | 85.6636% | 3,404 |
| Equity capital to assets | 7.7615% | 6,818 |
| Core capital (leverage) ratio | 7.8609% | 6,520 |
| Tier 1 risk-based capital ratio | 12.9273% | 5,150 |
| Total risk-based capital ratio | 14.1947% | 5,108 |
| Memoranda: | ||
| Average total assets | $162,716,000 | 3,625 |
| Average earning assets | $152,873,000 | 3,551 |
| Average equity | $12,652,250 | 4,418 |
| Average total loans | $125,118,000 | 3,099 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 2,931 |
| Cost of funding earning assets | 1.1899% | 2,644 |
| Net interest margin | 3.8597% | 3,491 |
| Noninterest income to average assets | 0.8373% | 1,851 |
| Noninterest expense to average assets | 3.0048% | 3,625 |
| Loan and lease loss provision to assets | 0.3716% | 2,563 |
| Net operating income to assets | 0.7171% | 3,458 |
| Return on assets (ROA) | 0.7171% | 3,569 |
| Pretax return on assets | 1.0887% | 2,896 |
| Return on Equity (ROE) | 9.2171% | 2,428 |
| Retained earnings to average equity (ytd only) | 0.0637% | 5,811 |
| Net charge-offs to loans | 0.3754% | 3,055 |
| Credit loss provision to net charge-offs | 128.2051% | 2,383 |
| Earnings coverage of net charge-offs (x) | 5.0385% | 2,705 |
| Efficiency ratio | 67.2954% | 4,647 |
| Assets per employee ($millions) | 3.2723% | 5,476 |
| Cash dividends to net income (ytd only)* | 99.3092% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,283 |
| Loan loss allowance to noncurrent loans | 182.5175% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1151% | 4,663 |
| Noncurrent loans to loans | 0.8015% | 5,313 |
| Net loans and leases to total assets | 76.7530% | 954 |
| Net loans and leases to deposits | 89.8694% | 1,283 |
| Net loans and leases to core deposits | 92.0527% | 2,121 |
| Total domestic deposits to total assets | 85.4050% | 3,675 |
| Equity capital to assets | 7.8002% | 6,805 |
| Core capital (leverage) ratio | 7.6543% | 6,622 |
| Tier 1 risk-based capital ratio | 12.7418% | 5,141 |
| Total risk-based capital ratio | 14.0098% | 5,092 |
| Memoranda: | ||
| Average total assets | $161,476,000 | 3,664 |
| Average earning assets | $151,772,000 | 3,600 |
| Average equity | $12,563,670 | 4,422 |
| Average total loans | $124,653,330 | 3,132 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 3,064 |
| Cost of funding earning assets | 1.2303% | 2,629 |
| Net interest margin | 3.7802% | 3,705 |
| Noninterest income to average assets | 0.7085% | 2,529 |
| Noninterest expense to average assets | 2.9128% | 4,010 |
| Loan and lease loss provision to assets | 0.3703% | 2,340 |
| Net operating income to assets | 0.6418% | 3,796 |
| Return on assets (ROA) | 0.6418% | 3,869 |
| Pretax return on assets | 0.9751% | 3,224 |
| Return on Equity (ROE) | 8.2592% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.7827% | 1,816 |
| Net charge-offs to loans | 0.3051% | 2,825 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 5.7368% | 2,217 |
| Efficiency ratio | 68.4058% | 4,578 |
| Assets per employee ($millions) | 3.3872% | 5,280 |
| Cash dividends to net income (ytd only)* | 5.7692% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,357 |
| Loan loss allowance to noncurrent loans | 87.2657% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6250% | 3,810 |
| Noncurrent loans to loans | 1.6815% | 3,960 |
| Net loans and leases to total assets | 75.0029% | 1,178 |
| Net loans and leases to deposits | 87.8687% | 1,480 |
| Net loans and leases to core deposits | 89.9797% | 2,344 |
| Total domestic deposits to total assets | 85.3580% | 3,858 |
| Equity capital to assets | 7.8266% | 6,660 |
| Core capital (leverage) ratio | 7.8893% | 6,378 |
| Tier 1 risk-based capital ratio | 13.0406% | 4,799 |
| Total risk-based capital ratio | 14.3085% | 4,764 |
| Memoranda: | ||
| Average total assets | $162,042,500 | 3,667 |
| Average earning assets | $152,162,500 | 3,611 |
| Average equity | $12,592,000 | 4,421 |
| Average total loans | $124,532,500 | 3,168 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3877% | 2,732 |
| Cost of funding earning assets | 1.4058% | 3,225 |
| Net interest margin | 3.9819% | 3,095 |
| Noninterest income to average assets | 0.7566% | 2,505 |
| Noninterest expense to average assets | 2.8467% | 4,415 |
| Loan and lease loss provision to assets | 0.3445% | 4,073 |
| Net operating income to assets | 0.8753% | 2,481 |
| Return on assets (ROA) | 0.8753% | 2,623 |
| Pretax return on assets | 1.3286% | 1,863 |
| Return on Equity (ROE) | 12.0320% | 1,311 |
| Retained earnings to average equity (ytd only) | 11.9052% | 280 |
| Net charge-offs to loans | 0.3213% | 4,412 |
| Credit loss provision to net charge-offs | 136.9193% | 2,797 |
| Earnings coverage of net charge-offs (x) | 6.6504% | 2,313 |
| Efficiency ratio | 62.9831% | 5,514 |
| Assets per employee ($millions) | 3.3645% | 5,261 |
| Cash dividends to net income (ytd only)* | 1.0541% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,481 |
| Loan loss allowance to noncurrent loans | 93.6204% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 4,325 |
| Noncurrent loans to loans | 1.5011% | 4,225 |
| Net loans and leases to total assets | 76.4982% | 1,182 |
| Net loans and leases to deposits | 91.4165% | 1,333 |
| Net loans and leases to core deposits | 93.6620% | 2,302 |
| Total domestic deposits to total assets | 83.6809% | 4,512 |
| Equity capital to assets | 7.7146% | 6,743 |
| Core capital (leverage) ratio | 7.5365% | 6,673 |
| Tier 1 risk-based capital ratio | 12.5207% | 5,004 |
| Total risk-based capital ratio | 13.7871% | 4,981 |
| Memoranda: | ||
| Average total assets | $162,574,400 | 3,652 |
| Average earning assets | $153,647,000 | 3,577 |
| Average equity | $11,826,800 | 4,659 |
| Average total loans | $127,303,600 | 3,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4685% | 2,565 |
| Cost of funding earning assets | 1.4423% | 3,315 |
| Net interest margin | 4.0262% | 2,974 |
| Noninterest income to average assets | 0.8032% | 2,221 |
| Noninterest expense to average assets | 2.8247% | 4,374 |
| Loan and lease loss provision to assets | 0.3480% | 3,827 |
| Net operating income to assets | 0.9465% | 2,426 |
| Return on assets (ROA) | 0.9465% | 2,555 |
| Pretax return on assets | 1.4361% | 1,782 |
| Return on Equity (ROE) | 13.2087% | 1,207 |
| Retained earnings to average equity (ytd only) | 13.2087% | 327 |
| Net charge-offs to loans | 0.2848% | 4,236 |
| Credit loss provision to net charge-offs | 155.6777% | 2,464 |
| Earnings coverage of net charge-offs (x) | 7.9817% | 2,228 |
| Efficiency ratio | 61.2897% | 5,738 |
| Assets per employee ($millions) | 3.2315% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 4,488 |
| Loan loss allowance to noncurrent loans | 230.9305% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 5,522 |
| Noncurrent loans to loans | 0.6039% | 6,001 |
| Net loans and leases to total assets | 75.5939% | 1,479 |
| Net loans and leases to deposits | 89.9114% | 1,734 |
| Net loans and leases to core deposits | 91.8876% | 2,823 |
| Total domestic deposits to total assets | 84.0759% | 4,081 |
| Equity capital to assets | 7.4281% | 7,165 |
| Core capital (leverage) ratio | 7.4573% | 6,874 |
| Tier 1 risk-based capital ratio | 12.0156% | 5,447 |
| Total risk-based capital ratio | 13.2818% | 5,400 |
| Memoranda: | ||
| Average total assets | $162,843,500 | 3,699 |
| Average earning assets | $153,920,000 | 3,625 |
| Average equity | $11,668,750 | 4,772 |
| Average total loans | $127,803,500 | 3,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5172% | 2,453 |
| Cost of funding earning assets | 1.4729% | 3,412 |
| Net interest margin | 4.0443% | 2,819 |
| Noninterest income to average assets | 0.8151% | 2,042 |
| Noninterest expense to average assets | 2.8979% | 4,085 |
| Loan and lease loss provision to assets | 0.3329% | 3,737 |
| Net operating income to assets | 0.9273% | 2,446 |
| Return on assets (ROA) | 0.9273% | 2,543 |
| Pretax return on assets | 1.4070% | 1,819 |
| Return on Equity (ROE) | 13.1037% | 1,210 |
| Retained earnings to average equity (ytd only) | 13.1037% | 369 |
| Net charge-offs to loans | 0.2151% | 4,316 |
| Credit loss provision to net charge-offs | 195.6522% | 2,019 |
| Earnings coverage of net charge-offs (x) | 10.2246% | 1,918 |
| Efficiency ratio | 62.4834% | 5,616 |
| Assets per employee ($millions) | 3.2122% | 5,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,611 |
| Loan loss allowance to noncurrent loans | 171.6256% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8125% | 5,498 |
| Noncurrent loans to loans | 0.7943% | 5,689 |
| Net loans and leases to total assets | 76.9396% | 1,305 |
| Net loans and leases to deposits | 91.4005% | 1,633 |
| Net loans and leases to core deposits | 92.6903% | 2,890 |
| Total domestic deposits to total assets | 84.1786% | 4,026 |
| Equity capital to assets | 7.2329% | 7,260 |
| Core capital (leverage) ratio | 7.2053% | 7,067 |
| Tier 1 risk-based capital ratio | 11.1826% | 6,058 |
| Total risk-based capital ratio | 12.4331% | 6,053 |
| Memoranda: | ||
| Average total assets | $162,189,000 | 3,739 |
| Average earning assets | $153,303,670 | 3,651 |
| Average equity | $11,477,670 | 4,808 |
| Average total loans | $128,289,330 | 3,231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 2,340 |
| Cost of funding earning assets | 1.4921% | 3,611 |
| Net interest margin | 4.0645% | 2,588 |
| Noninterest income to average assets | 0.7907% | 2,071 |
| Noninterest expense to average assets | 2.7960% | 4,496 |
| Loan and lease loss provision to assets | 0.3346% | 3,385 |
| Net operating income to assets | 0.9890% | 2,226 |
| Return on assets (ROA) | 0.9890% | 2,289 |
| Pretax return on assets | 1.5021% | 1,508 |
| Return on Equity (ROE) | 14.1339% | 1,030 |
| Retained earnings to average equity (ytd only) | 14.1339% | 492 |
| Net charge-offs to loans | 0.1307% | 4,179 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 17.6429% | 1,272 |
| Efficiency ratio | 60.3531% | 6,106 |
| Assets per employee ($millions) | 3.1739% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,781 |
| Loan loss allowance to noncurrent loans | 84.9377% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 4,531 |
| Noncurrent loans to loans | 1.5647% | 4,396 |
| Net loans and leases to total assets | 78.1097% | 1,132 |
| Net loans and leases to deposits | 95.7044% | 1,143 |
| Net loans and leases to core deposits | 97.1636% | 2,434 |
| Total domestic deposits to total assets | 81.6156% | 5,227 |
| Equity capital to assets | 7.1001% | 7,326 |
| Core capital (leverage) ratio | 7.1251% | 7,160 |
| Tier 1 risk-based capital ratio | 10.5704% | 6,568 |
| Total risk-based capital ratio | 11.8273% | 6,553 |
| Memoranda: | ||
| Average total assets | $161,372,500 | 3,812 |
| Average earning assets | $152,539,000 | 3,714 |
| Average equity | $11,292,000 | 4,900 |
| Average total loans | $128,541,000 | 3,288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 4,704 |
| Cost of funding earning assets | 1.7230% | 4,395 |
| Net interest margin | 3.6756% | 4,238 |
| Noninterest income to average assets | 0.8140% | 2,338 |
| Noninterest expense to average assets | 2.8487% | 4,753 |
| Loan and lease loss provision to assets | 0.4141% | 4,328 |
| Net operating income to assets | 0.6684% | 3,069 |
| Return on assets (ROA) | 0.6684% | 3,120 |
| Pretax return on assets | 1.0177% | 2,532 |
| Return on Equity (ROE) | 10.2664% | 1,612 |
| Retained earnings to average equity (ytd only) | 9.7924% | 390 |
| Net charge-offs to loans | 0.2291% | 5,181 |
| Credit loss provision to net charge-offs | 240.5018% | 1,491 |
| Earnings coverage of net charge-offs (x) | 8.3154% | 1,961 |
| Efficiency ratio | 66.5513% | 5,282 |
| Assets per employee ($millions) | 3.1544% | 5,849 |
| Cash dividends to net income (ytd only)* | 4.6168% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 5,064 |
| Loan loss allowance to noncurrent loans | 70.3364% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5354% | 4,077 |
| Noncurrent loans to loans | 1.7752% | 3,971 |
| Net loans and leases to total assets | 79.1501% | 1,152 |
| Net loans and leases to deposits | 96.6724% | 1,245 |
| Net loans and leases to core deposits | 116.1555% | 2,298 |
| Total domestic deposits to total assets | 81.8746% | 5,006 |
| Equity capital to assets | 6.8942% | 7,418 |
| Core capital (leverage) ratio | 6.8792% | 7,326 |
| Tier 1 risk-based capital ratio | 10.1746% | 6,709 |
| Total risk-based capital ratio | 11.4354% | 6,670 |
| Memoranda: | ||
| Average total assets | $162,038,600 | 3,728 |
| Average earning assets | $152,817,200 | 3,654 |
| Average equity | $10,549,000 | 5,142 |
| Average total loans | $121,802,200 | 3,446 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3720% | 5,083 |
| Cost of funding earning assets | 1.7724% | 4,511 |
| Net interest margin | 3.5996% | 4,484 |
| Noninterest income to average assets | 0.8066% | 2,396 |
| Noninterest expense to average assets | 2.8484% | 4,680 |
| Loan and lease loss provision to assets | 0.3474% | 4,247 |
| Net operating income to assets | 0.6595% | 3,356 |
| Return on assets (ROA) | 0.6595% | 3,417 |
| Pretax return on assets | 1.0037% | 2,893 |
| Return on Equity (ROE) | 10.2813% | 1,824 |
| Retained earnings to average equity (ytd only) | 9.6410% | 698 |
| Net charge-offs to loans | 0.2788% | 4,291 |
| Credit loss provision to net charge-offs | 168.5259% | 2,774 |
| Earnings coverage of net charge-offs (x) | 6.5538% | 2,585 |
| Efficiency ratio | 67.8271% | 5,015 |
| Assets per employee ($millions) | 3.0997% | 5,908 |
| Cash dividends to net income (ytd only)* | 6.2271% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,655 |
| Loan loss allowance to noncurrent loans | 83.9879% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.2005% | 4,670 |
| Noncurrent loans to loans | 1.3235% | 4,724 |
| Net loans and leases to total assets | 76.7154% | 1,844 |
| Net loans and leases to deposits | 92.1704% | 2,205 |
| Net loans and leases to core deposits | 110.0302% | 3,234 |
| Total domestic deposits to total assets | 83.2322% | 4,097 |
| Equity capital to assets | 6.7134% | 7,704 |
| Core capital (leverage) ratio | 6.7306% | 7,568 |
| Tier 1 risk-based capital ratio | 10.1317% | 6,849 |
| Total risk-based capital ratio | 11.3919% | 6,785 |
| Memoranda: | ||
| Average total assets | $162,329,750 | 3,755 |
| Average earning assets | $153,012,250 | 3,669 |
| Average equity | $10,413,500 | 5,226 |
| Average total loans | $120,017,250 | 3,508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3199% | 5,553 |
| Cost of funding earning assets | 1.8232% | 4,650 |
| Net interest margin | 3.4967% | 4,811 |
| Noninterest income to average assets | 0.7977% | 2,424 |
| Noninterest expense to average assets | 2.9475% | 4,302 |
| Loan and lease loss provision to assets | 0.3134% | 4,063 |
| Net operating income to assets | 0.5482% | 3,890 |
| Return on assets (ROA) | 0.5482% | 4,008 |
| Pretax return on assets | 0.8371% | 3,548 |
| Return on Equity (ROE) | 8.6790% | 2,487 |
| Retained earnings to average equity (ytd only) | 7.7060% | 1,316 |
| Net charge-offs to loans | 0.3143% | 3,617 |
| Credit loss provision to net charge-offs | 137.0968% | 3,408 |
| Earnings coverage of net charge-offs (x) | 5.0323% | 2,930 |
| Efficiency ratio | 71.9256% | 4,428 |
| Assets per employee ($millions) | 3.2431% | 5,469 |
| Cash dividends to net income (ytd only)* | 11.2108% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,836 |
| Loan loss allowance to noncurrent loans | 80.8417% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,717 |
| Noncurrent loans to loans | 1.3111% | 4,585 |
| Net loans and leases to total assets | 75.5992% | 2,287 |
| Net loans and leases to deposits | 90.8993% | 2,676 |
| Net loans and leases to core deposits | 107.4763% | 3,668 |
| Total domestic deposits to total assets | 83.1681% | 4,161 |
| Equity capital to assets | 6.5810% | 7,795 |
| Core capital (leverage) ratio | 6.5722% | 7,759 |
| Tier 1 risk-based capital ratio | 10.1457% | 6,779 |
| Total risk-based capital ratio | 11.3953% | 6,704 |
| Memoranda: | ||
| Average total assets | $162,711,670 | 3,766 |
| Average earning assets | $153,573,670 | 3,673 |
| Average equity | $10,277,670 | 5,285 |
| Average total loans | $118,342,000 | 3,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 5,599 |
| Cost of funding earning assets | 1.9525% | 4,370 |
| Net interest margin | 3.4117% | 5,090 |
| Noninterest income to average assets | 0.7387% | 2,664 |
| Noninterest expense to average assets | 2.6219% | 5,362 |
| Loan and lease loss provision to assets | 0.3572% | 3,179 |
| Net operating income to assets | 0.6342% | 3,868 |
| Return on assets (ROA) | 0.6342% | 4,047 |
| Pretax return on assets | 0.9696% | 3,468 |
| Return on Equity (ROE) | 10.2479% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.2479% | 1,129 |
| Net charge-offs to loans | 0.1918% | 3,487 |
| Credit loss provision to net charge-offs | 262.5000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 2,027 |
| Efficiency ratio | 66.4000% | 5,250 |
| Assets per employee ($millions) | 3.0812% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,393 |
| Loan loss allowance to noncurrent loans | 154.9112% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 5,739 |
| Noncurrent loans to loans | 0.7170% | 5,624 |
| Net loans and leases to total assets | 71.3649% | 3,385 |
| Net loans and leases to deposits | 85.3155% | 3,753 |
| Net loans and leases to core deposits | 99.2675% | 4,614 |
| Total domestic deposits to total assets | 83.6482% | 3,860 |
| Equity capital to assets | 6.3128% | 7,931 |
| Core capital (leverage) ratio | 6.3988% | 7,913 |
| Tier 1 risk-based capital ratio | 9.5680% | 7,372 |
| Total risk-based capital ratio | 10.8166% | 7,308 |
| Memoranda: | ||
| Average total assets | $164,611,000 | 3,750 |
| Average earning assets | $154,879,500 | 3,666 |
| Average equity | $10,187,500 | 5,327 |
| Average total loans | $116,801,000 | 3,630 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2632% | 4,164 |
| Cost of funding earning assets | 2.4533% | 4,456 |
| Net interest margin | 3.8099% | 3,978 |
| Noninterest income to average assets | 0.9889% | 1,612 |
| Noninterest expense to average assets | 2.9082% | 4,422 |
| Loan and lease loss provision to assets | 0.3334% | 3,723 |
| Net operating income to assets | 0.8781% | 3,101 |
| Return on assets (ROA) | 0.8781% | 2,951 |
| Pretax return on assets | 1.3335% | 2,196 |
| Return on Equity (ROE) | 13.2281% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.1774% | 217 |
| Net charge-offs to loans | 0.3068% | 3,348 |
| Credit loss provision to net charge-offs | 143.1138% | 3,696 |
| Earnings coverage of net charge-offs (x) | 7.1557% | 3,174 |
| Efficiency ratio | 63.5671% | 5,656 |
| Assets per employee ($millions) | 3.1305% | 5,686 |
| Cash dividends to net income (ytd only)* | 7.9428% | 4,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,606 |
| Loan loss allowance to noncurrent loans | 110.2262% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 5,166 |
| Noncurrent loans to loans | 0.9546% | 4,695 |
| Net loans and leases to total assets | 69.0301% | 4,251 |
| Net loans and leases to deposits | 82.0656% | 4,718 |
| Net loans and leases to core deposits | 93.7006% | 5,471 |
| Total domestic deposits to total assets | 84.1157% | 3,266 |
| Equity capital to assets | 6.0668% | 8,051 |
| Core capital (leverage) ratio | 6.5929% | 7,901 |
| Tier 1 risk-based capital ratio | 9.2870% | 7,536 |
| Total risk-based capital ratio | 10.4740% | 7,541 |
| Memoranda: | ||
| Average total assets | $143,385,800 | 4,017 |
| Average earning assets | $134,962,800 | 3,954 |
| Average equity | $9,517,600 | 5,566 |
| Average total loans | $108,853,000 | 3,708 |