Home > State Bank of Graymont > Performance and Condition Ratios
State Bank of Graymont, 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 | 3.8135% | 4,166 |
| Cost of funding earning assets | 1.3154% | 2,473 |
| Net interest margin | 2.4982% | 4,092 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.9523% | 3,730 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.5837% | 3,479 |
| Return on assets (ROA) | 0.6061% | 3,418 |
| Pretax return on assets | 0.7662% | 3,297 |
| Return on Equity (ROE) | 6.6800% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,595 |
| Net charge-offs to loans | -0.0024% | 3,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.4774% | 1,712 |
| Assets per employee ($millions) | 7.3636% | 1,834 |
| Cash dividends to net income (ytd only)* | 24.5484% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1111% | 2,778 |
| Loan loss allowance to noncurrent loans | 1,869.7248% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 3,302 |
| Noncurrent loans to loans | 0.0594% | 3,295 |
| Net loans and leases to total assets | 57.2900% | 3,099 |
| Net loans and leases to deposits | 68.0965% | 3,025 |
| Net loans and leases to core deposits | 74.2128% | 3,067 |
| Total domestic deposits to total assets | 84.1300% | 2,588 |
| Equity capital to assets | 9.4459% | 2,391 |
| Core capital (leverage) ratio | 10.5695% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $310,511,000 | 2,376 |
| Average earning assets | $293,296,400 | 2,340 |
| Average equity | $28,166,200 | 2,354 |
| Average total loans | $169,339,200 | 2,526 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 4,189 |
| Cost of funding earning assets | 1.1777% | 2,498 |
| Net interest margin | 2.5438% | 4,097 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.8741% | 3,845 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7117% | 3,290 |
| Return on assets (ROA) | 0.7284% | 3,220 |
| Pretax return on assets | 0.9265% | 3,042 |
| Return on Equity (ROE) | 8.1200% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.2745% | 2,547 |
| Net charge-offs to loans | -0.0024% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.2187% | 2,109 |
| Assets per employee ($millions) | 6.9882% | 1,967 |
| Cash dividends to net income (ytd only)* | 22.6896% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 2,964 |
| Loan loss allowance to noncurrent loans | 2,352.4390% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,548 |
| Noncurrent loans to loans | 0.0459% | 3,427 |
| Net loans and leases to total assets | 56.1900% | 3,184 |
| Net loans and leases to deposits | 65.7932% | 3,148 |
| Net loans and leases to core deposits | 71.4191% | 3,139 |
| Total domestic deposits to total assets | 85.4000% | 2,382 |
| Equity capital to assets | 8.6950% | 2,600 |
| Core capital (leverage) ratio | 10.9692% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $308,980,250 | 2,386 |
| Average earning assets | $291,522,750 | 2,355 |
| Average equity | $27,730,500 | 2,366 |
| Average total loans | $165,817,500 | 2,562 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 4,166 |
| Cost of funding earning assets | 1.0803% | 2,350 |
| Net interest margin | 2.5991% | 4,113 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.8831% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7523% | 3,210 |
| Return on assets (ROA) | 0.7703% | 3,175 |
| Pretax return on assets | 0.9878% | 2,950 |
| Return on Equity (ROE) | 8.4900% | 3,114 |
| Retained earnings to average equity (ytd only) | 6.3030% | 2,511 |
| Net charge-offs to loans | -0.0037% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.1180% | 2,221 |
| Assets per employee ($millions) | 6.3362% | 2,440 |
| Cash dividends to net income (ytd only)* | 25.7819% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,556 |
| Loan loss allowance to noncurrent loans | 1,457.2519% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,333 |
| Noncurrent loans to loans | 0.0808% | 3,111 |
| Net loans and leases to total assets | 53.8200% | 3,284 |
| Net loans and leases to deposits | 59.6706% | 3,441 |
| Net loans and leases to core deposits | 63.3823% | 3,481 |
| Total domestic deposits to total assets | 90.1900% | 866 |
| Equity capital to assets | 9.4358% | 2,206 |
| Core capital (leverage) ratio | 10.7045% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $307,150,667 | 2,399 |
| Average earning assets | $289,558,667 | 2,372 |
| Average equity | $27,859,667 | 2,364 |
| Average total loans | $161,549,333 | 2,586 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,086 |
| Cost of funding earning assets | 0.9966% | 2,062 |
| Net interest margin | 2.6645% | 4,126 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.8562% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8248% | 3,114 |
| Return on assets (ROA) | 0.8441% | 2,994 |
| Pretax return on assets | 1.1032% | 2,698 |
| Return on Equity (ROE) | 9.4900% | 2,924 |
| Retained earnings to average equity (ytd only) | 6.2294% | 2,702 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.2430% | 2,541 |
| Assets per employee ($millions) | 6.7823% | 2,132 |
| Cash dividends to net income (ytd only)* | 34.3465% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,465 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,815 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 48.4700% | 3,597 |
| Net loans and leases to deposits | 53.4473% | 3,720 |
| Net loans and leases to core deposits | 56.4007% | 3,720 |
| Total domestic deposits to total assets | 90.6900% | 919 |
| Equity capital to assets | 8.8381% | 2,640 |
| Core capital (leverage) ratio | 10.0575% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $311,825,500 | 2,402 |
| Average earning assets | $292,592,000 | 2,388 |
| Average equity | $27,739,500 | 2,406 |
| Average total loans | $161,237,500 | 2,610 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2133% | 3,799 |
| Cost of funding earning assets | 0.4741% | 1,557 |
| Net interest margin | 2.7392% | 3,990 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.0378% | 3,475 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6975% | 3,627 |
| Return on assets (ROA) | 0.6811% | 3,625 |
| Pretax return on assets | 0.8883% | 3,399 |
| Return on Equity (ROE) | 7.3900% | 3,546 |
| Retained earnings to average equity (ytd only) | -5.9773% | 4,593 |
| Net charge-offs to loans | -0.1634% | 4,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.9206% | 1,843 |
| Assets per employee ($millions) | 6.3518% | 2,465 |
| Cash dividends to net income (ytd only)* | 180.8511% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 2,658 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,844 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.8400% | 3,212 |
| Net loans and leases to deposits | 59.3920% | 3,368 |
| Net loans and leases to core deposits | 63.0900% | 3,323 |
| Total domestic deposits to total assets | 90.6500% | 1,082 |
| Equity capital to assets | 8.9562% | 2,387 |
| Core capital (leverage) ratio | 10.6692% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $303,609,800 | 2,430 |
| Average earning assets | $285,998,400 | 2,412 |
| Average equity | $27,972,400 | 2,430 |
| Average total loans | $157,275,600 | 2,560 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1308% | 3,599 |
| Cost of funding earning assets | 0.3617% | 1,605 |
| Net interest margin | 2.7691% | 3,803 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.0090% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7478% | 3,421 |
| Return on assets (ROA) | 0.7232% | 3,451 |
| Pretax return on assets | 0.9469% | 3,192 |
| Return on Equity (ROE) | 7.7900% | 3,390 |
| Retained earnings to average equity (ytd only) | -9.5523% | 4,671 |
| Net charge-offs to loans | -0.2063% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2553% | 2,125 |
| Assets per employee ($millions) | 6.3754% | 2,426 |
| Cash dividends to net income (ytd only)* | 222.5532% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,956 |
| Loan loss allowance to noncurrent loans | 3,380.0000% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,692 |
| Noncurrent loans to loans | 0.0329% | 3,659 |
| Net loans and leases to total assets | 53.9900% | 3,103 |
| Net loans and leases to deposits | 59.2637% | 3,263 |
| Net loans and leases to core deposits | 61.2238% | 3,283 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 8.5113% | 2,540 |
| Core capital (leverage) ratio | 10.2678% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $303,291,000 | 2,448 |
| Average earning assets | $285,673,750 | 2,430 |
| Average equity | $28,139,000 | 2,455 |
| Average total loans | $155,080,500 | 2,587 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0114% | 3,535 |
| Cost of funding earning assets | 0.3472% | 1,293 |
| Net interest margin | 2.6642% | 3,789 |
| Noninterest income to average assets | 0.4200% | 2,630 |
| Noninterest expense to average assets | 2.0630% | 3,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6395% | 3,509 |
| Return on assets (ROA) | 0.6244% | 3,508 |
| Pretax return on assets | 0.8453% | 3,220 |
| Return on Equity (ROE) | 6.5472% | 3,438 |
| Retained earnings to average equity (ytd only) | -18.2962% | 4,722 |
| Net charge-offs to loans | -0.3429% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4700% | 1,890 |
| Assets per employee ($millions) | 6.5424% | 2,280 |
| Cash dividends to net income (ytd only)* | 379.4492% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,773 |
| Loan loss allowance to noncurrent loans | 163.2174% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 1,449 |
| Noncurrent loans to loans | 0.7254% | 1,190 |
| Net loans and leases to total assets | 49.8838% | 3,388 |
| Net loans and leases to deposits | 54.6971% | 3,495 |
| Net loans and leases to core deposits | 55.7375% | 3,587 |
| Total domestic deposits to total assets | 91.2000% | 1,146 |
| Equity capital to assets | 8.4443% | 2,805 |
| Core capital (leverage) ratio | 10.4510% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,382,000 | 2,470 |
| Average earning assets | $284,588,667 | 2,464 |
| Average equity | $28,836,667 | 2,476 |
| Average total loans | $151,077,000 | 2,631 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0246% | 3,178 |
| Cost of funding earning assets | 0.3558% | 1,158 |
| Net interest margin | 2.6688% | 3,481 |
| Noninterest income to average assets | 0.4626% | 2,343 |
| Noninterest expense to average assets | 1.9302% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7688% | 2,781 |
| Return on assets (ROA) | 0.7634% | 2,792 |
| Pretax return on assets | 1.0345% | 2,339 |
| Return on Equity (ROE) | 7.5477% | 2,854 |
| Retained earnings to average equity (ytd only) | -39.1786% | 4,765 |
| Net charge-offs to loans | -1.4822% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9569% | 2,913 |
| Assets per employee ($millions) | 6.8106% | 2,134 |
| Cash dividends to net income (ytd only)* | 619.0813% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,808 |
| Loan loss allowance to noncurrent loans | 152.2871% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 1,337 |
| Noncurrent loans to loans | 0.9370% | 974 |
| Net loans and leases to total assets | 45.7265% | 3,605 |
| Net loans and leases to deposits | 51.3557% | 3,619 |
| Net loans and leases to core deposits | 52.2107% | 3,716 |
| Total domestic deposits to total assets | 89.0389% | 2,063 |
| Equity capital to assets | 9.1410% | 2,587 |
| Core capital (leverage) ratio | 9.3551% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,556,000 | 2,512 |
| Average earning assets | $278,781,500 | 2,507 |
| Average equity | $29,996,000 | 2,482 |
| Average total loans | $147,351,000 | 2,665 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3365% | 3,092 |
| Cost of funding earning assets | 0.4055% | 1,508 |
| Net interest margin | 2.9311% | 3,370 |
| Noninterest income to average assets | 0.5364% | 2,411 |
| Noninterest expense to average assets | 1.8337% | 4,079 |
| Loan and lease loss provision to assets | 0.0748% | 1,616 |
| Net operating income to assets | 1.0759% | 2,384 |
| Return on assets (ROA) | 1.0938% | 2,380 |
| Pretax return on assets | 1.4607% | 1,851 |
| Return on Equity (ROE) | 9.8188% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.3129% | 1,098 |
| Net charge-offs to loans | 0.2310% | 399 |
| Credit loss provision to net charge-offs | 58.5586% | 2,074 |
| Earnings coverage of net charge-offs (x) | 11.8498% | 2,137 |
| Efficiency ratio | 54.7944% | 3,846 |
| Assets per employee ($millions) | 6.4927% | 2,339 |
| Cash dividends to net income (ytd only)* | 5.1525% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,217 |
| Loan loss allowance to noncurrent loans | 74.9190% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 701 |
| Noncurrent loans to loans | 1.5106% | 596 |
| Net loans and leases to total assets | 53.1305% | 2,948 |
| Net loans and leases to deposits | 61.8483% | 2,895 |
| Net loans and leases to core deposits | 63.2752% | 3,046 |
| Total domestic deposits to total assets | 85.9046% | 2,943 |
| Equity capital to assets | 11.3106% | 1,598 |
| Core capital (leverage) ratio | 11.2204% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,834,800 | 2,658 |
| Average earning assets | $250,079,800 | 2,614 |
| Average equity | $29,056,600 | 2,595 |
| Average total loans | $144,133,800 | 2,688 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 2,923 |
| Cost of funding earning assets | 0.4261% | 1,514 |
| Net interest margin | 3.0457% | 3,192 |
| Noninterest income to average assets | 0.5626% | 2,361 |
| Noninterest expense to average assets | 1.7413% | 4,268 |
| Loan and lease loss provision to assets | 0.1002% | 1,202 |
| Net operating income to assets | 1.2233% | 2,092 |
| Return on assets (ROA) | 1.2403% | 2,081 |
| Pretax return on assets | 1.6627% | 1,516 |
| Return on Equity (ROE) | 11.1782% | 2,320 |
| Retained earnings to average equity (ytd only) | 10.4975% | 1,173 |
| Net charge-offs to loans | 0.2207% | 373 |
| Credit loss provision to net charge-offs | 81.5900% | 1,708 |
| Earnings coverage of net charge-offs (x) | 14.1799% | 1,897 |
| Efficiency ratio | 50.0000% | 4,221 |
| Assets per employee ($millions) | 6.8537% | 1,975 |
| Cash dividends to net income (ytd only)* | 6.0895% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,723 |
| Loan loss allowance to noncurrent loans | 59.4313% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.1362% | 541 |
| Noncurrent loans to loans | 2.1054% | 407 |
| Net loans and leases to total assets | 51.9373% | 3,196 |
| Net loans and leases to deposits | 60.7616% | 3,162 |
| Net loans and leases to core deposits | 62.7144% | 3,246 |
| Total domestic deposits to total assets | 85.4772% | 2,957 |
| Equity capital to assets | 11.6127% | 1,595 |
| Core capital (leverage) ratio | 10.9854% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,493,250 | 2,693 |
| Average earning assets | $248,780,000 | 2,648 |
| Average equity | $28,793,500 | 2,637 |
| Average total loans | $144,404,000 | 2,721 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9455% | 4,147 |
| Cost of funding earning assets | 0.4433% | 1,566 |
| Net interest margin | 2.5022% | 4,301 |
| Noninterest income to average assets | 0.5795% | 2,297 |
| Noninterest expense to average assets | 1.6413% | 4,459 |
| Loan and lease loss provision to assets | 0.0849% | 1,444 |
| Net operating income to assets | 0.9407% | 3,089 |
| Return on assets (ROA) | 0.9584% | 3,120 |
| Pretax return on assets | 1.2756% | 2,692 |
| Return on Equity (ROE) | 8.7743% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.7358% | 2,179 |
| Net charge-offs to loans | -0.0163% | 3,900 |
| Credit loss provision to net charge-offs | -916.6667% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0894% | 3,660 |
| Assets per employee ($millions) | 6.4399% | 2,212 |
| Cash dividends to net income (ytd only)* | 11.8357% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 2,234 |
| Loan loss allowance to noncurrent loans | 57.8510% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 536 |
| Noncurrent loans to loans | 2.3200% | 378 |
| Net loans and leases to total assets | 52.3111% | 3,315 |
| Net loans and leases to deposits | 60.5703% | 3,343 |
| Net loans and leases to core deposits | 62.8814% | 3,384 |
| Total domestic deposits to total assets | 86.3643% | 2,604 |
| Equity capital to assets | 10.9039% | 2,065 |
| Core capital (leverage) ratio | 10.4398% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,178,000 | 2,692 |
| Average earning assets | $248,583,667 | 2,639 |
| Average equity | $28,310,000 | 2,649 |
| Average total loans | $146,879,000 | 2,719 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9675% | 4,153 |
| Cost of funding earning assets | 0.4590% | 1,658 |
| Net interest margin | 2.5085% | 4,286 |
| Noninterest income to average assets | 0.6902% | 1,898 |
| Noninterest expense to average assets | 1.6358% | 4,483 |
| Loan and lease loss provision to assets | 0.1714% | 725 |
| Net operating income to assets | 0.9972% | 2,811 |
| Return on assets (ROA) | 1.0329% | 2,782 |
| Pretax return on assets | 1.3289% | 2,489 |
| Return on Equity (ROE) | 9.4478% | 2,869 |
| Retained earnings to average equity (ytd only) | 7.3530% | 2,464 |
| Net charge-offs to loans | -0.0213% | 4,023 |
| Credit loss provision to net charge-offs | -1,375.0000% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9234% | 3,923 |
| Assets per employee ($millions) | 6.6972% | 2,000 |
| Cash dividends to net income (ytd only)* | 22.1719% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,524 |
| Loan loss allowance to noncurrent loans | 58.9252% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2397% | 592 |
| Noncurrent loans to loans | 2.1721% | 463 |
| Net loans and leases to total assets | 53.9843% | 3,241 |
| Net loans and leases to deposits | 61.9926% | 3,316 |
| Net loans and leases to core deposits | 64.3140% | 3,381 |
| Total domestic deposits to total assets | 87.0819% | 2,281 |
| Equity capital to assets | 10.5029% | 2,272 |
| Core capital (leverage) ratio | 10.4744% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,750,000 | 2,693 |
| Average earning assets | $245,726,000 | 2,643 |
| Average equity | $28,070,000 | 2,665 |
| Average total loans | $150,319,500 | 2,684 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6214% | 3,754 |
| Cost of funding earning assets | 0.6509% | 1,988 |
| Net interest margin | 2.9705% | 3,961 |
| Noninterest income to average assets | 0.6404% | 2,064 |
| Noninterest expense to average assets | 2.0626% | 4,017 |
| Loan and lease loss provision to assets | 0.3304% | 1,086 |
| Net operating income to assets | 0.8075% | 3,064 |
| Return on assets (ROA) | 0.8040% | 3,194 |
| Pretax return on assets | 1.0746% | 2,796 |
| Return on Equity (ROE) | 6.6971% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.1541% | 1,733 |
| Net charge-offs to loans | 0.4442% | 375 |
| Credit loss provision to net charge-offs | 112.3680% | 2,704 |
| Earnings coverage of net charge-offs (x) | 4.7934% | 2,935 |
| Efficiency ratio | 59.4073% | 3,535 |
| Assets per employee ($millions) | 6.1403% | 2,220 |
| Cash dividends to net income (ytd only)* | 8.1081% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 3,252 |
| Loan loss allowance to noncurrent loans | 48.6434% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.5280% | 472 |
| Noncurrent loans to loans | 2.3432% | 450 |
| Net loans and leases to total assets | 62.0448% | 2,604 |
| Net loans and leases to deposits | 72.3307% | 2,650 |
| Net loans and leases to core deposits | 75.7221% | 2,754 |
| Total domestic deposits to total assets | 85.7793% | 2,461 |
| Equity capital to assets | 11.4017% | 1,958 |
| Core capital (leverage) ratio | 11.2230% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,486,800 | 2,761 |
| Average earning assets | $214,945,000 | 2,712 |
| Average equity | $27,071,600 | 2,673 |
| Average total loans | $149,255,400 | 2,672 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 3,943 |
| Cost of funding earning assets | 0.6919% | 2,072 |
| Net interest margin | 2.9412% | 4,105 |
| Noninterest income to average assets | 0.6381% | 2,032 |
| Noninterest expense to average assets | 2.0581% | 4,030 |
| Loan and lease loss provision to assets | 0.2214% | 1,820 |
| Net operating income to assets | 0.8645% | 2,843 |
| Return on assets (ROA) | 0.8540% | 3,020 |
| Pretax return on assets | 1.1503% | 2,566 |
| Return on Equity (ROE) | 7.0146% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.2843% | 1,981 |
| Net charge-offs to loans | 0.0793% | 1,515 |
| Credit loss provision to net charge-offs | 415.9091% | 1,434 |
| Earnings coverage of net charge-offs (x) | 26.0227% | 1,706 |
| Efficiency ratio | 59.7752% | 3,418 |
| Assets per employee ($millions) | 5.5911% | 2,632 |
| Cash dividends to net income (ytd only)* | 10.4108% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 2,447 |
| Loan loss allowance to noncurrent loans | 46.0613% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 414 |
| Noncurrent loans to loans | 2.6910% | 378 |
| Net loans and leases to total assets | 66.2647% | 2,487 |
| Net loans and leases to deposits | 77.4312% | 2,598 |
| Net loans and leases to core deposits | 81.4348% | 2,706 |
| Total domestic deposits to total assets | 85.5788% | 2,227 |
| Equity capital to assets | 11.7465% | 1,845 |
| Core capital (leverage) ratio | 11.4517% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,455,250 | 2,778 |
| Average earning assets | $210,246,000 | 2,726 |
| Average equity | $26,838,500 | 2,681 |
| Average total loans | $148,032,500 | 2,683 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 3,945 |
| Cost of funding earning assets | 0.7423% | 2,165 |
| Net interest margin | 3.0285% | 4,060 |
| Noninterest income to average assets | 0.6640% | 1,886 |
| Noninterest expense to average assets | 2.0921% | 4,049 |
| Loan and lease loss provision to assets | 0.3255% | 1,313 |
| Net operating income to assets | 0.7840% | 3,092 |
| Return on assets (ROA) | 0.7679% | 3,276 |
| Pretax return on assets | 1.1091% | 2,688 |
| Return on Equity (ROE) | 6.2279% | 3,429 |
| Retained earnings to average equity (ytd only) | 5.1222% | 2,417 |
| Net charge-offs to loans | 0.1256% | 1,094 |
| Credit loss provision to net charge-offs | 385.7143% | 1,433 |
| Earnings coverage of net charge-offs (x) | 17.2418% | 1,824 |
| Efficiency ratio | 58.9804% | 3,557 |
| Assets per employee ($millions) | 5.4005% | 2,736 |
| Cash dividends to net income (ytd only)* | 17.7536% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 2,245 |
| Loan loss allowance to noncurrent loans | 52.7664% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6286% | 536 |
| Noncurrent loans to loans | 2.3741% | 513 |
| Net loans and leases to total assets | 67.2798% | 2,457 |
| Net loans and leases to deposits | 79.0428% | 2,534 |
| Net loans and leases to core deposits | 83.4581% | 2,657 |
| Total domestic deposits to total assets | 85.1182% | 2,347 |
| Equity capital to assets | 12.0527% | 1,632 |
| Core capital (leverage) ratio | 11.9836% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,664,333 | 2,788 |
| Average earning assets | $205,317,667 | 2,741 |
| Average equity | $26,590,000 | 2,678 |
| Average total loans | $144,856,333 | 2,699 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,661 |
| Cost of funding earning assets | 0.8107% | 2,321 |
| Net interest margin | 3.2366% | 3,758 |
| Noninterest income to average assets | 0.5445% | 2,308 |
| Noninterest expense to average assets | 2.3076% | 3,756 |
| Loan and lease loss provision to assets | 0.0133% | 3,614 |
| Net operating income to assets | 1.1465% | 1,696 |
| Return on assets (ROA) | 1.0929% | 1,964 |
| Pretax return on assets | 1.2414% | 2,062 |
| Return on Equity (ROE) | 8.7580% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.5151% | 1,711 |
| Net charge-offs to loans | 0.2657% | 549 |
| Credit loss provision to net charge-offs | 7.5269% | 2,234 |
| Earnings coverage of net charge-offs (x) | 7.4301% | 1,923 |
| Efficiency ratio | 63.6889% | 3,284 |
| Assets per employee ($millions) | 4.9955% | 2,656 |
| Cash dividends to net income (ytd only)* | 25.6098% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,904 |
| Loan loss allowance to noncurrent loans | 57.5878% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3293% | 867 |
| Noncurrent loans to loans | 2.0074% | 702 |
| Net loans and leases to total assets | 64.7958% | 2,969 |
| Net loans and leases to deposits | 74.5959% | 3,209 |
| Net loans and leases to core deposits | 79.2672% | 3,261 |
| Total domestic deposits to total assets | 86.8624% | 1,619 |
| Equity capital to assets | 12.5337% | 1,708 |
| Core capital (leverage) ratio | 12.3826% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,086,500 | 2,788 |
| Average earning assets | $199,837,500 | 2,742 |
| Average equity | $26,216,000 | 2,695 |
| Average total loans | $140,014,500 | 2,725 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 4,209 |
| Cost of funding earning assets | 0.8674% | 2,346 |
| Net interest margin | 3.1526% | 4,282 |
| Noninterest income to average assets | 0.4316% | 3,099 |
| Noninterest expense to average assets | 2.1557% | 4,256 |
| Loan and lease loss provision to assets | 0.1145% | 1,844 |
| Net operating income to assets | 0.8877% | 3,261 |
| Return on assets (ROA) | 0.9229% | 3,191 |
| Pretax return on assets | 1.2028% | 2,839 |
| Return on Equity (ROE) | 7.5126% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.9323% | 1,417 |
| Net charge-offs to loans | -0.0007% | 4,159 |
| Credit loss provision to net charge-offs | -23,600.0000% | 4,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8802% | 3,233 |
| Assets per employee ($millions) | 4.7905% | 2,850 |
| Cash dividends to net income (ytd only)* | 7.7246% | 3,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,046 |
| Loan loss allowance to noncurrent loans | 213.2428% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 3,205 |
| Noncurrent loans to loans | 0.4134% | 2,961 |
| Net loans and leases to total assets | 67.0049% | 2,828 |
| Net loans and leases to deposits | 77.2515% | 3,073 |
| Net loans and leases to core deposits | 81.9029% | 3,130 |
| Total domestic deposits to total assets | 86.7361% | 1,738 |
| Equity capital to assets | 12.5413% | 1,795 |
| Core capital (leverage) ratio | 12.2605% | 1,620 |
| Tier 1 risk-based capital ratio | 16.5191% | 2,210 |
| Total risk-based capital ratio | 17.3213% | 2,326 |
| Memoranda: | ||
| Average total assets | $206,193,200 | 2,792 |
| Average earning assets | $195,997,200 | 2,741 |
| Average equity | $25,330,800 | 2,694 |
| Average total loans | $140,223,600 | 2,716 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 4,340 |
| Cost of funding earning assets | 0.8532% | 2,454 |
| Net interest margin | 3.1592% | 4,383 |
| Noninterest income to average assets | 0.4415% | 3,070 |
| Noninterest expense to average assets | 2.0977% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0242% | 2,889 |
| Return on assets (ROA) | 1.0710% | 2,771 |
| Pretax return on assets | 1.4078% | 2,282 |
| Return on Equity (ROE) | 8.7646% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.9823% | 1,400 |
| Net charge-offs to loans | -0.0010% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8679% | 3,494 |
| Assets per employee ($millions) | 5.2953% | 2,231 |
| Cash dividends to net income (ytd only)* | 8.9255% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 4,579 |
| Loan loss allowance to noncurrent loans | 106.3674% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 2,567 |
| Noncurrent loans to loans | 0.6901% | 2,236 |
| Net loans and leases to total assets | 65.0567% | 3,171 |
| Net loans and leases to deposits | 74.7854% | 3,408 |
| Net loans and leases to core deposits | 78.7368% | 3,488 |
| Total domestic deposits to total assets | 86.9913% | 1,524 |
| Equity capital to assets | 12.3388% | 2,015 |
| Core capital (leverage) ratio | 12.2689% | 1,697 |
| Tier 1 risk-based capital ratio | 16.1226% | 2,380 |
| Total risk-based capital ratio | 16.7641% | 2,574 |
| Memoranda: | ||
| Average total assets | $205,045,750 | 2,819 |
| Average earning assets | $195,022,000 | 2,765 |
| Average equity | $25,054,750 | 2,726 |
| Average total loans | $139,656,750 | 2,755 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 4,400 |
| Cost of funding earning assets | 0.8139% | 2,578 |
| Net interest margin | 3.1767% | 4,410 |
| Noninterest income to average assets | 0.4122% | 3,196 |
| Noninterest expense to average assets | 2.1451% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9909% | 2,957 |
| Return on assets (ROA) | 1.0494% | 2,797 |
| Pretax return on assets | 1.3630% | 2,332 |
| Return on Equity (ROE) | 8.6172% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.4267% | 1,633 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4641% | 3,357 |
| Assets per employee ($millions) | 4.7429% | 2,817 |
| Cash dividends to net income (ytd only)* | 13.8158% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,668 |
| Loan loss allowance to noncurrent loans | 205.8586% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 3,475 |
| Noncurrent loans to loans | 0.3500% | 3,300 |
| Net loans and leases to total assets | 68.8368% | 2,695 |
| Net loans and leases to deposits | 79.2631% | 3,027 |
| Net loans and leases to core deposits | 82.9390% | 3,199 |
| Total domestic deposits to total assets | 86.8460% | 1,666 |
| Equity capital to assets | 12.4911% | 1,863 |
| Core capital (leverage) ratio | 12.3945% | 1,590 |
| Tier 1 risk-based capital ratio | 15.8486% | 2,478 |
| Total risk-based capital ratio | 16.4940% | 2,672 |
| Memoranda: | ||
| Average total assets | $202,790,330 | 2,850 |
| Average earning assets | $192,905,000 | 2,798 |
| Average equity | $24,694,670 | 2,752 |
| Average total loans | $139,936,670 | 2,766 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9462% | 4,478 |
| Cost of funding earning assets | 0.8059% | 2,502 |
| Net interest margin | 3.1403% | 4,512 |
| Noninterest income to average assets | 0.3917% | 3,238 |
| Noninterest expense to average assets | 2.1838% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9194% | 3,163 |
| Return on assets (ROA) | 1.0444% | 2,721 |
| Pretax return on assets | 1.3412% | 2,284 |
| Return on Equity (ROE) | 8.6897% | 2,954 |
| Retained earnings to average equity (ytd only) | 6.2704% | 2,335 |
| Net charge-offs to loans | -0.0057% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 3,103 |
| Assets per employee ($millions) | 4.7269% | 2,881 |
| Cash dividends to net income (ytd only)* | 27.8409% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7417% | 4,683 |
| Loan loss allowance to noncurrent loans | 189.7770% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,438 |
| Noncurrent loans to loans | 0.3909% | 3,186 |
| Net loans and leases to total assets | 67.2188% | 2,875 |
| Net loans and leases to deposits | 76.9951% | 3,165 |
| Net loans and leases to core deposits | 80.3395% | 3,331 |
| Total domestic deposits to total assets | 87.3028% | 1,662 |
| Equity capital to assets | 12.1000% | 1,965 |
| Core capital (leverage) ratio | 12.0998% | 1,711 |
| Tier 1 risk-based capital ratio | 15.6653% | 2,581 |
| Total risk-based capital ratio | 16.3184% | 2,773 |
| Memoranda: | ||
| Average total assets | $202,212,500 | 2,879 |
| Average earning assets | $191,575,500 | 2,836 |
| Average equity | $24,304,500 | 2,778 |
| Average total loans | $139,200,500 | 2,804 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 4,423 |
| Cost of funding earning assets | 0.6018% | 2,702 |
| Net interest margin | 3.2282% | 4,431 |
| Noninterest income to average assets | 0.4176% | 3,326 |
| Noninterest expense to average assets | 2.1664% | 4,411 |
| Loan and lease loss provision to assets | 0.0705% | 2,726 |
| Net operating income to assets | 0.9514% | 3,224 |
| Return on assets (ROA) | 0.9514% | 3,219 |
| Pretax return on assets | 1.2427% | 2,730 |
| Return on Equity (ROE) | 8.4926% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.8547% | 1,302 |
| Net charge-offs to loans | -0.0142% | 4,596 |
| Credit loss provision to net charge-offs | -725.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2607% | 3,475 |
| Assets per employee ($millions) | 4.6783% | 2,909 |
| Cash dividends to net income (ytd only)* | 7.5115% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7240% | 4,751 |
| Loan loss allowance to noncurrent loans | 296.2209% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 3,832 |
| Noncurrent loans to loans | 0.2444% | 3,710 |
| Net loans and leases to total assets | 69.4613% | 2,659 |
| Net loans and leases to deposits | 79.3497% | 3,022 |
| Net loans and leases to core deposits | 83.0741% | 3,171 |
| Total domestic deposits to total assets | 87.5383% | 1,517 |
| Equity capital to assets | 11.9378% | 1,947 |
| Core capital (leverage) ratio | 12.1025% | 1,669 |
| Tier 1 risk-based capital ratio | 14.7249% | 2,956 |
| Total risk-based capital ratio | 15.3632% | 3,174 |
| Memoranda: | ||
| Average total assets | $205,689,200 | 2,807 |
| Average earning assets | $195,092,800 | 2,760 |
| Average equity | $23,043,600 | 2,814 |
| Average total loans | $140,635,400 | 2,765 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 4,502 |
| Cost of funding earning assets | 0.5619% | 2,774 |
| Net interest margin | 3.2106% | 4,490 |
| Noninterest income to average assets | 0.4152% | 3,385 |
| Noninterest expense to average assets | 2.1190% | 4,505 |
| Loan and lease loss provision to assets | 0.0935% | 2,108 |
| Net operating income to assets | 0.9754% | 3,193 |
| Return on assets (ROA) | 0.9754% | 3,204 |
| Pretax return on assets | 1.2526% | 2,801 |
| Return on Equity (ROE) | 8.8474% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.9879% | 1,661 |
| Net charge-offs to loans | -0.0161% | 4,554 |
| Credit loss provision to net charge-offs | -852.9412% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1535% | 3,640 |
| Assets per employee ($millions) | 4.6837% | 2,864 |
| Cash dividends to net income (ytd only)* | 9.7161% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7167% | 4,845 |
| Loan loss allowance to noncurrent loans | 253.3666% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 3,952 |
| Noncurrent loans to loans | 0.2829% | 3,672 |
| Net loans and leases to total assets | 69.8813% | 2,669 |
| Net loans and leases to deposits | 79.3725% | 3,103 |
| Net loans and leases to core deposits | 82.9186% | 3,254 |
| Total domestic deposits to total assets | 88.0422% | 1,224 |
| Equity capital to assets | 11.6127% | 2,167 |
| Core capital (leverage) ratio | 11.6230% | 2,070 |
| Tier 1 risk-based capital ratio | 14.4148% | 3,161 |
| Total risk-based capital ratio | 15.0550% | 3,371 |
| Memoranda: | ||
| Average total assets | $206,819,500 | 2,823 |
| Average earning assets | $196,470,500 | 2,770 |
| Average equity | $22,800,750 | 2,844 |
| Average total loans | $140,606,000 | 2,775 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,603 |
| Cost of funding earning assets | 0.5499% | 2,609 |
| Net interest margin | 3.1407% | 4,643 |
| Noninterest income to average assets | 0.4314% | 3,284 |
| Noninterest expense to average assets | 2.0630% | 4,687 |
| Loan and lease loss provision to assets | 0.0431% | 3,035 |
| Net operating income to assets | 1.0095% | 2,974 |
| Return on assets (ROA) | 1.0095% | 2,976 |
| Pretax return on assets | 1.3038% | 2,495 |
| Return on Equity (ROE) | 9.3165% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.0159% | 1,627 |
| Net charge-offs to loans | 0.0842% | 1,490 |
| Credit loss provision to net charge-offs | 76.2712% | 2,296 |
| Earnings coverage of net charge-offs (x) | 23.8136% | 1,698 |
| Efficiency ratio | 60.5004% | 3,861 |
| Assets per employee ($millions) | 4.5508% | 3,048 |
| Cash dividends to net income (ytd only)* | 13.9601% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 5,115 |
| Loan loss allowance to noncurrent loans | 204.3796% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 3,511 |
| Noncurrent loans to loans | 0.2891% | 3,667 |
| Net loans and leases to total assets | 69.0060% | 2,725 |
| Net loans and leases to deposits | 78.1313% | 3,145 |
| Net loans and leases to core deposits | 80.3772% | 3,387 |
| Total domestic deposits to total assets | 88.3206% | 1,211 |
| Equity capital to assets | 11.2394% | 2,420 |
| Core capital (leverage) ratio | 11.1714% | 2,366 |
| Tier 1 risk-based capital ratio | 14.1114% | 3,310 |
| Total risk-based capital ratio | 14.6491% | 3,592 |
| Memoranda: | ||
| Average total assets | $208,626,000 | 2,824 |
| Average earning assets | $197,853,330 | 2,777 |
| Average equity | $22,605,000 | 2,874 |
| Average total loans | $140,222,330 | 2,790 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,745 |
| Cost of funding earning assets | 0.5473% | 2,427 |
| Net interest margin | 3.0334% | 4,826 |
| Noninterest income to average assets | 0.4446% | 3,151 |
| Noninterest expense to average assets | 2.2000% | 4,418 |
| Loan and lease loss provision to assets | 0.0855% | 2,092 |
| Net operating income to assets | 0.8188% | 3,632 |
| Return on assets (ROA) | 0.8188% | 3,644 |
| Pretax return on assets | 1.0335% | 3,418 |
| Return on Equity (ROE) | 7.6968% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.0717% | 3,141 |
| Net charge-offs to loans | -0.0057% | 4,054 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2851% | 3,110 |
| Assets per employee ($millions) | 4.8024% | 2,736 |
| Cash dividends to net income (ytd only)* | 34.1067% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 5,092 |
| Loan loss allowance to noncurrent loans | 183.5031% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,848 |
| Noncurrent loans to loans | 0.3610% | 3,475 |
| Net loans and leases to total assets | 63.9367% | 3,317 |
| Net loans and leases to deposits | 71.7711% | 3,635 |
| Net loans and leases to core deposits | 73.6656% | 3,845 |
| Total domestic deposits to total assets | 89.0841% | 1,057 |
| Equity capital to assets | 10.5998% | 2,970 |
| Core capital (leverage) ratio | 10.5650% | 2,875 |
| Tier 1 risk-based capital ratio | 13.8809% | 3,442 |
| Total risk-based capital ratio | 14.4587% | 3,736 |
| Memoranda: | ||
| Average total assets | $210,545,000 | 2,842 |
| Average earning assets | $199,512,000 | 2,791 |
| Average equity | $22,399,000 | 2,920 |
| Average total loans | $139,255,500 | 2,822 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 4,666 |
| Cost of funding earning assets | 0.5507% | 1,949 |
| Net interest margin | 3.0093% | 4,867 |
| Noninterest income to average assets | 0.4124% | 3,553 |
| Noninterest expense to average assets | 2.2397% | 4,455 |
| Loan and lease loss provision to assets | 0.0377% | 3,512 |
| Net operating income to assets | 0.6699% | 3,730 |
| Return on assets (ROA) | 1.2292% | 1,446 |
| Pretax return on assets | 1.8362% | 719 |
| Return on Equity (ROE) | 11.7391% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.1013% | 3,438 |
| Net charge-offs to loans | 0.0823% | 2,278 |
| Credit loss provision to net charge-offs | 72.0721% | 3,064 |
| Earnings coverage of net charge-offs (x) | 19.8649% | 1,999 |
| Efficiency ratio | 68.3053% | 2,832 |
| Assets per employee ($millions) | 4.7678% | 2,775 |
| Cash dividends to net income (ytd only)* | 73.5813% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 5,249 |
| Loan loss allowance to noncurrent loans | 174.6421% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,865 |
| Noncurrent loans to loans | 0.3431% | 3,530 |
| Net loans and leases to total assets | 67.5237% | 2,886 |
| Net loans and leases to deposits | 75.9038% | 3,336 |
| Net loans and leases to core deposits | 77.7823% | 3,602 |
| Total domestic deposits to total assets | 88.9596% | 1,019 |
| Equity capital to assets | 10.6776% | 2,963 |
| Core capital (leverage) ratio | 10.4634% | 2,886 |
| Tier 1 risk-based capital ratio | 13.3814% | 3,699 |
| Total risk-based capital ratio | 13.9144% | 4,002 |
| Memoranda: | ||
| Average total assets | $212,172,000 | 2,797 |
| Average earning assets | $202,108,600 | 2,750 |
| Average equity | $22,216,400 | 2,935 |
| Average total loans | $134,933,000 | 2,850 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4822% | 4,840 |
| Cost of funding earning assets | 0.5449% | 1,932 |
| Net interest margin | 2.9373% | 5,042 |
| Noninterest income to average assets | 0.4029% | 3,664 |
| Noninterest expense to average assets | 2.1162% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7301% | 3,817 |
| Return on assets (ROA) | 1.4626% | 984 |
| Pretax return on assets | 2.2039% | 361 |
| Return on Equity (ROE) | 14.0363% | 824 |
| Retained earnings to average equity (ytd only) | 2.5017% | 4,398 |
| Net charge-offs to loans | 0.0020% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 871.8876% | 114 |
| Efficiency ratio | 65.9184% | 3,225 |
| Assets per employee ($millions) | 5.0164% | 2,425 |
| Cash dividends to net income (ytd only)* | 82.1766% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 5,265 |
| Loan loss allowance to noncurrent loans | 140.8293% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,818 |
| Noncurrent loans to loans | 0.4504% | 3,351 |
| Net loans and leases to total assets | 64.1322% | 3,380 |
| Net loans and leases to deposits | 71.9651% | 3,779 |
| Net loans and leases to core deposits | 73.9209% | 3,979 |
| Total domestic deposits to total assets | 89.1157% | 822 |
| Equity capital to assets | 10.4146% | 3,460 |
| Core capital (leverage) ratio | 10.3149% | 3,183 |
| Tier 1 risk-based capital ratio | 13.2139% | 3,869 |
| Total risk-based capital ratio | 13.7636% | 4,218 |
| Memoranda: | ||
| Average total assets | $212,769,000 | 2,814 |
| Average earning assets | $203,353,000 | 2,758 |
| Average equity | $22,170,500 | 2,958 |
| Average total loans | $133,039,250 | 2,892 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4470% | 4,884 |
| Cost of funding earning assets | 0.5407% | 1,837 |
| Net interest margin | 2.9063% | 5,088 |
| Noninterest income to average assets | 0.4231% | 3,541 |
| Noninterest expense to average assets | 2.1285% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5605% | 4,474 |
| Return on assets (ROA) | 1.6309% | 672 |
| Pretax return on assets | 2.7433% | 149 |
| Return on Equity (ROE) | 15.6486% | 577 |
| Retained earnings to average equity (ytd only) | -1.6129% | 5,309 |
| Net charge-offs to loans | -0.0015% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5289% | 3,258 |
| Assets per employee ($millions) | 4.9022% | 2,509 |
| Cash dividends to net income (ytd only)* | 110.3069% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 5,286 |
| Loan loss allowance to noncurrent loans | 167.1698% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,028 |
| Noncurrent loans to loans | 0.3940% | 3,612 |
| Net loans and leases to total assets | 63.3889% | 3,471 |
| Net loans and leases to deposits | 71.1953% | 3,807 |
| Net loans and leases to core deposits | 73.2626% | 3,999 |
| Total domestic deposits to total assets | 89.0353% | 936 |
| Equity capital to assets | 10.3741% | 3,484 |
| Core capital (leverage) ratio | 10.1912% | 3,292 |
| Tier 1 risk-based capital ratio | 13.2816% | 3,813 |
| Total risk-based capital ratio | 13.8494% | 4,149 |
| Memoranda: | ||
| Average total assets | $211,790,000 | 2,841 |
| Average earning assets | $202,321,330 | 2,784 |
| Average equity | $22,072,330 | 2,966 |
| Average total loans | $130,979,000 | 2,932 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 4,869 |
| Cost of funding earning assets | 0.5392% | 1,795 |
| Net interest margin | 2.8936% | 5,096 |
| Noninterest income to average assets | 0.4598% | 3,255 |
| Noninterest expense to average assets | 2.3233% | 4,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5814% | 4,233 |
| Return on assets (ROA) | 2.7171% | 108 |
| Pretax return on assets | 4.2339% | 71 |
| Return on Equity (ROE) | 26.0119% | 77 |
| Retained earnings to average equity (ytd only) | -8.5864% | 5,549 |
| Net charge-offs to loans | -0.0155% | 4,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1475% | 2,544 |
| Assets per employee ($millions) | 5.0437% | 2,387 |
| Cash dividends to net income (ytd only)* | 133.0097% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 5,348 |
| Loan loss allowance to noncurrent loans | 168.5606% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 4,211 |
| Noncurrent loans to loans | 0.4038% | 3,647 |
| Net loans and leases to total assets | 61.3060% | 3,624 |
| Net loans and leases to deposits | 68.5010% | 3,942 |
| Net loans and leases to core deposits | 70.2888% | 4,128 |
| Total domestic deposits to total assets | 89.4965% | 896 |
| Equity capital to assets | 10.0933% | 3,639 |
| Core capital (leverage) ratio | 9.8501% | 3,690 |
| Tier 1 risk-based capital ratio | 13.0321% | 4,056 |
| Total risk-based capital ratio | 13.5971% | 4,385 |
| Memoranda: | ||
| Average total assets | $212,288,000 | 2,862 |
| Average earning assets | $202,517,500 | 2,806 |
| Average equity | $22,174,500 | 2,971 |
| Average total loans | $129,215,500 | 2,974 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 4,937 |
| Cost of funding earning assets | 0.5571% | 1,624 |
| Net interest margin | 2.8641% | 5,192 |
| Noninterest income to average assets | 0.4552% | 3,509 |
| Noninterest expense to average assets | 2.0316% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8222% | 3,196 |
| Return on assets (ROA) | 0.8352% | 3,237 |
| Pretax return on assets | 1.1673% | 2,817 |
| Return on Equity (ROE) | 7.8908% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.2310% | 1,142 |
| Net charge-offs to loans | 0.0285% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 67.1944% | 823 |
| Efficiency ratio | 63.8686% | 3,958 |
| Assets per employee ($millions) | 5.1888% | 2,192 |
| Cash dividends to net income (ytd only)* | 8.3618% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 5,372 |
| Loan loss allowance to noncurrent loans | 159.4595% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 4,247 |
| Noncurrent loans to loans | 0.4347% | 3,587 |
| Net loans and leases to total assets | 59.5975% | 3,895 |
| Net loans and leases to deposits | 67.1037% | 4,161 |
| Net loans and leases to core deposits | 68.8536% | 4,336 |
| Total domestic deposits to total assets | 88.8142% | 1,199 |
| Equity capital to assets | 10.7962% | 2,818 |
| Core capital (leverage) ratio | 10.1891% | 3,237 |
| Tier 1 risk-based capital ratio | 12.9303% | 4,115 |
| Total risk-based capital ratio | 13.9782% | 4,142 |
| Memoranda: | ||
| Average total assets | $210,476,800 | 2,847 |
| Average earning assets | $200,307,200 | 2,785 |
| Average equity | $22,279,200 | 2,967 |
| Average total loans | $126,292,000 | 2,974 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 5,000 |
| Cost of funding earning assets | 0.5570% | 1,631 |
| Net interest margin | 2.8557% | 5,256 |
| Noninterest income to average assets | 0.4395% | 3,636 |
| Noninterest expense to average assets | 1.9995% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8312% | 3,229 |
| Return on assets (ROA) | 0.8486% | 3,281 |
| Pretax return on assets | 1.1833% | 2,904 |
| Return on Equity (ROE) | 8.0576% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.1710% | 1,544 |
| Net charge-offs to loans | 0.0233% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 82.9618% | 758 |
| Efficiency ratio | 63.3018% | 4,026 |
| Assets per employee ($millions) | 5.1126% | 2,239 |
| Cash dividends to net income (ytd only)* | 11.0033% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7046% | 5,420 |
| Loan loss allowance to noncurrent loans | 161.6906% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 4,374 |
| Noncurrent loans to loans | 0.4358% | 3,724 |
| Net loans and leases to total assets | 60.4362% | 3,823 |
| Net loans and leases to deposits | 68.1760% | 4,134 |
| Net loans and leases to core deposits | 70.0763% | 4,320 |
| Total domestic deposits to total assets | 88.6473% | 1,076 |
| Equity capital to assets | 10.9238% | 3,091 |
| Core capital (leverage) ratio | 10.1825% | 3,350 |
| Tier 1 risk-based capital ratio | 13.6112% | 3,797 |
| Total risk-based capital ratio | 14.6412% | 3,837 |
| Memoranda: | ||
| Average total assets | $209,910,500 | 2,869 |
| Average earning assets | $199,876,250 | 2,807 |
| Average equity | $22,107,000 | 2,999 |
| Average total loans | $125,946,500 | 2,988 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 5,130 |
| Cost of funding earning assets | 0.5538% | 1,672 |
| Net interest margin | 2.8238% | 5,390 |
| Noninterest income to average assets | 0.4238% | 3,708 |
| Noninterest expense to average assets | 1.9609% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7998% | 3,309 |
| Return on assets (ROA) | 0.8247% | 3,332 |
| Pretax return on assets | 1.1895% | 2,820 |
| Return on Equity (ROE) | 7.9292% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.5832% | 1,823 |
| Net charge-offs to loans | 0.0447% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 43.2500% | 1,099 |
| Efficiency ratio | 62.9664% | 4,185 |
| Assets per employee ($millions) | 5.1431% | 2,151 |
| Cash dividends to net income (ytd only)* | 16.9746% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 5,498 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 4,428 |
| Noncurrent loans to loans | 0.4482% | 3,761 |
| Net loans and leases to total assets | 59.2463% | 3,981 |
| Net loans and leases to deposits | 66.5406% | 4,303 |
| Net loans and leases to core deposits | 68.4675% | 4,438 |
| Total domestic deposits to total assets | 89.0377% | 898 |
| Equity capital to assets | 10.5630% | 3,565 |
| Core capital (leverage) ratio | 9.9582% | 3,610 |
| Tier 1 risk-based capital ratio | 13.4646% | 3,932 |
| Total risk-based capital ratio | 14.3994% | 4,033 |
| Memoranda: | ||
| Average total assets | $210,008,670 | 2,886 |
| Average earning assets | $200,085,000 | 2,811 |
| Average equity | $21,843,330 | 3,026 |
| Average total loans | $125,401,000 | 3,008 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 5,174 |
| Cost of funding earning assets | 0.5546% | 1,664 |
| Net interest margin | 2.8210% | 5,441 |
| Noninterest income to average assets | 0.4142% | 3,723 |
| Noninterest expense to average assets | 2.1510% | 5,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6000% | 4,174 |
| Return on assets (ROA) | 0.6317% | 4,168 |
| Pretax return on assets | 0.9925% | 3,513 |
| Return on Equity (ROE) | 6.1217% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.4030% | 3,803 |
| Net charge-offs to loans | 0.0192% | 2,551 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 82.3333% | 623 |
| Efficiency ratio | 69.5250% | 3,212 |
| Assets per employee ($millions) | 4.9833% | 2,356 |
| Cash dividends to net income (ytd only)* | 44.4109% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 5,537 |
| Loan loss allowance to noncurrent loans | 59.3385% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 2,873 |
| Noncurrent loans to loans | 1.2326% | 1,961 |
| Net loans and leases to total assets | 59.3354% | 3,870 |
| Net loans and leases to deposits | 66.5604% | 4,202 |
| Net loans and leases to core deposits | 68.8569% | 4,332 |
| Total domestic deposits to total assets | 89.1452% | 1,020 |
| Equity capital to assets | 10.4009% | 3,616 |
| Core capital (leverage) ratio | 9.7386% | 3,858 |
| Tier 1 risk-based capital ratio | 13.1041% | 4,197 |
| Total risk-based capital ratio | 14.0802% | 4,287 |
| Memoranda: | ||
| Average total assets | $209,578,500 | 2,901 |
| Average earning assets | $199,079,500 | 2,826 |
| Average equity | $21,628,000 | 3,051 |
| Average total loans | $125,189,000 | 3,011 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5282% | 4,847 |
| Cost of funding earning assets | 0.5939% | 1,405 |
| Net interest margin | 2.9343% | 5,282 |
| Noninterest income to average assets | 0.5211% | 3,190 |
| Noninterest expense to average assets | 2.2361% | 4,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7046% | 3,785 |
| Return on assets (ROA) | 0.7690% | 3,556 |
| Pretax return on assets | 1.1435% | 2,868 |
| Return on Equity (ROE) | 7.6311% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.9370% | 1,311 |
| Net charge-offs to loans | -0.0008% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1014% | 3,553 |
| Assets per employee ($millions) | 4.9966% | 2,364 |
| Cash dividends to net income (ytd only)* | 9.0965% | 4,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7352% | 5,568 |
| Loan loss allowance to noncurrent loans | 150.7365% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 4,347 |
| Noncurrent loans to loans | 0.4877% | 3,742 |
| Net loans and leases to total assets | 59.2561% | 3,934 |
| Net loans and leases to deposits | 66.3135% | 4,290 |
| Net loans and leases to core deposits | 68.3559% | 4,416 |
| Total domestic deposits to total assets | 89.3575% | 932 |
| Equity capital to assets | 10.2389% | 3,696 |
| Core capital (leverage) ratio | 9.6606% | 3,959 |
| Tier 1 risk-based capital ratio | 12.8851% | 4,398 |
| Total risk-based capital ratio | 13.8453% | 4,467 |
| Memoranda: | ||
| Average total assets | $210,142,800 | 2,847 |
| Average earning assets | $197,832,600 | 2,805 |
| Average equity | $21,176,400 | 3,051 |
| Average total loans | $126,198,800 | 2,949 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 4,870 |
| Cost of funding earning assets | 0.5993% | 1,409 |
| Net interest margin | 2.9487% | 5,309 |
| Noninterest income to average assets | 0.4085% | 4,022 |
| Noninterest expense to average assets | 2.2009% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6844% | 3,970 |
| Return on assets (ROA) | 0.6844% | 4,086 |
| Pretax return on assets | 0.9787% | 3,700 |
| Return on Equity (ROE) | 6.8186% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.8896% | 2,316 |
| Net charge-offs to loans | -0.0432% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2200% | 3,336 |
| Assets per employee ($millions) | 4.9644% | 2,348 |
| Cash dividends to net income (ytd only)* | 13.6241% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 5,613 |
| Loan loss allowance to noncurrent loans | 128.1333% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 4,336 |
| Noncurrent loans to loans | 0.5908% | 3,556 |
| Net loans and leases to total assets | 60.4211% | 3,821 |
| Net loans and leases to deposits | 67.5675% | 4,230 |
| Net loans and leases to core deposits | 69.9385% | 4,374 |
| Total domestic deposits to total assets | 89.4233% | 810 |
| Equity capital to assets | 10.1700% | 3,973 |
| Core capital (leverage) ratio | 9.3319% | 4,540 |
| Tier 1 risk-based capital ratio | 12.1851% | 4,975 |
| Total risk-based capital ratio | 13.2404% | 5,007 |
| Memoranda: | ||
| Average total assets | $210,214,250 | 2,862 |
| Average earning assets | $197,548,500 | 2,826 |
| Average equity | $21,098,750 | 3,084 |
| Average total loans | $126,430,000 | 2,969 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 4,936 |
| Cost of funding earning assets | 0.6032% | 1,391 |
| Net interest margin | 2.9154% | 5,415 |
| Noninterest income to average assets | 0.4089% | 4,017 |
| Noninterest expense to average assets | 2.4034% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5313% | 4,646 |
| Return on assets (ROA) | 0.5313% | 4,753 |
| Pretax return on assets | 0.7297% | 4,562 |
| Return on Equity (ROE) | 5.3173% | 4,470 |
| Retained earnings to average equity (ytd only) | 3.9215% | 3,510 |
| Net charge-offs to loans | -0.0523% | 5,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7111% | 2,246 |
| Assets per employee ($millions) | 5.1351% | 2,111 |
| Cash dividends to net income (ytd only)* | 26.2500% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 5,709 |
| Loan loss allowance to noncurrent loans | 168.6726% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 4,775 |
| Noncurrent loans to loans | 0.4454% | 4,139 |
| Net loans and leases to total assets | 59.7955% | 3,865 |
| Net loans and leases to deposits | 66.9859% | 4,225 |
| Net loans and leases to core deposits | 69.5681% | 4,359 |
| Total domestic deposits to total assets | 89.2657% | 1,016 |
| Equity capital to assets | 10.0631% | 3,965 |
| Core capital (leverage) ratio | 9.0638% | 4,874 |
| Tier 1 risk-based capital ratio | 12.1590% | 5,029 |
| Total risk-based capital ratio | 13.4469% | 4,901 |
| Memoranda: | ||
| Average total assets | $210,784,000 | 2,875 |
| Average earning assets | $196,953,330 | 2,848 |
| Average equity | $21,063,330 | 3,105 |
| Average total loans | $126,259,330 | 2,977 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5081% | 4,937 |
| Cost of funding earning assets | 0.6057% | 1,393 |
| Net interest margin | 2.9024% | 5,450 |
| Noninterest income to average assets | 0.3736% | 4,214 |
| Noninterest expense to average assets | 2.8619% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0929% | 5,889 |
| Return on assets (ROA) | 0.0929% | 5,945 |
| Pretax return on assets | 0.2200% | 5,803 |
| Return on Equity (ROE) | 0.9333% | 5,921 |
| Retained earnings to average equity (ytd only) | -1.8665% | 5,677 |
| Net charge-offs to loans | -0.0921% | 5,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8615% | 659 |
| Assets per employee ($millions) | 5.3117% | 1,979 |
| Cash dividends to net income (ytd only)* | 300.0000% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 5,786 |
| Loan loss allowance to noncurrent loans | 154.3089% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 4,757 |
| Noncurrent loans to loans | 0.4923% | 4,099 |
| Net loans and leases to total assets | 58.3545% | 3,893 |
| Net loans and leases to deposits | 65.2537% | 4,237 |
| Net loans and leases to core deposits | 67.8688% | 4,338 |
| Total domestic deposits to total assets | 89.4271% | 1,030 |
| Equity capital to assets | 9.8467% | 4,331 |
| Core capital (leverage) ratio | 8.7916% | 5,215 |
| Tier 1 risk-based capital ratio | 11.7803% | 5,386 |
| Total risk-based capital ratio | 13.0832% | 5,243 |
| Memoranda: | ||
| Average total assets | $210,905,500 | 2,898 |
| Average earning assets | $196,804,000 | 2,876 |
| Average equity | $21,001,500 | 3,135 |
| Average total loans | $125,965,500 | 2,984 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5042% | 5,307 |
| Cost of funding earning assets | 0.6218% | 1,593 |
| Net interest margin | 2.8824% | 5,677 |
| Noninterest income to average assets | 0.3426% | 4,647 |
| Noninterest expense to average assets | 1.9150% | 5,908 |
| Loan and lease loss provision to assets | 0.0995% | 2,497 |
| Net operating income to assets | 0.8143% | 3,303 |
| Return on assets (ROA) | 0.8170% | 3,379 |
| Pretax return on assets | 1.0269% | 3,393 |
| Return on Equity (ROE) | 8.5947% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.8619% | 1,067 |
| Net charge-offs to loans | 0.0629% | 3,591 |
| Credit loss provision to net charge-offs | 276.3158% | 921 |
| Earnings coverage of net charge-offs (x) | 31.1842% | 1,298 |
| Efficiency ratio | 63.0323% | 4,752 |
| Assets per employee ($millions) | 5.2336% | 2,035 |
| Cash dividends to net income (ytd only)* | 8.5267% | 4,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,942 |
| Loan loss allowance to noncurrent loans | 170.6865% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 4,946 |
| Noncurrent loans to loans | 0.4244% | 4,363 |
| Net loans and leases to total assets | 60.2253% | 3,756 |
| Net loans and leases to deposits | 67.5485% | 4,170 |
| Net loans and leases to core deposits | 70.4213% | 4,288 |
| Total domestic deposits to total assets | 89.1585% | 1,142 |
| Equity capital to assets | 10.0705% | 4,019 |
| Core capital (leverage) ratio | 8.9498% | 5,065 |
| Tier 1 risk-based capital ratio | 12.1739% | 5,249 |
| Total risk-based capital ratio | 12.7785% | 5,562 |
| Memoranda: | ||
| Average total assets | $211,021,000 | 2,869 |
| Average earning assets | $197,334,400 | 2,833 |
| Average equity | $20,058,800 | 3,153 |
| Average total loans | $120,900,600 | 3,019 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4546% | 5,486 |
| Cost of funding earning assets | 0.6209% | 1,666 |
| Net interest margin | 2.8336% | 5,820 |
| Noninterest income to average assets | 0.3367% | 4,747 |
| Noninterest expense to average assets | 1.7303% | 6,181 |
| Loan and lease loss provision to assets | 0.0946% | 2,475 |
| Net operating income to assets | 0.9064% | 2,883 |
| Return on assets (ROA) | 0.9251% | 2,889 |
| Pretax return on assets | 1.1861% | 2,839 |
| Return on Equity (ROE) | 9.8770% | 2,277 |
| Retained earnings to average equity (ytd only) | 8.8873% | 1,038 |
| Net charge-offs to loans | -0.0324% | 5,766 |
| Credit loss provision to net charge-offs | -517.2414% | 5,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9270% | 5,459 |
| Assets per employee ($millions) | 5.8833% | 1,421 |
| Cash dividends to net income (ytd only)* | 10.0207% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 5,920 |
| Loan loss allowance to noncurrent loans | 143.8152% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 5,006 |
| Noncurrent loans to loans | 0.5434% | 4,297 |
| Net loans and leases to total assets | 57.8490% | 4,096 |
| Net loans and leases to deposits | 64.5704% | 4,474 |
| Net loans and leases to core deposits | 67.4668% | 4,559 |
| Total domestic deposits to total assets | 89.5906% | 938 |
| Equity capital to assets | 9.6979% | 4,550 |
| Core capital (leverage) ratio | 8.6699% | 5,480 |
| Tier 1 risk-based capital ratio | 12.1039% | 5,423 |
| Total risk-based capital ratio | 12.7432% | 5,726 |
| Memoranda: | ||
| Average total assets | $211,440,250 | 2,891 |
| Average earning assets | $197,761,500 | 2,855 |
| Average equity | $19,803,000 | 3,190 |
| Average total loans | $119,376,250 | 3,067 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4219% | 5,578 |
| Cost of funding earning assets | 0.6200% | 1,731 |
| Net interest margin | 2.8018% | 5,905 |
| Noninterest income to average assets | 0.3388% | 4,719 |
| Noninterest expense to average assets | 1.7509% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9388% | 2,605 |
| Return on assets (ROA) | 0.9455% | 2,673 |
| Pretax return on assets | 1.2095% | 2,632 |
| Return on Equity (ROE) | 10.2161% | 2,052 |
| Retained earnings to average equity (ytd only) | 8.7128% | 1,071 |
| Net charge-offs to loans | -0.0305% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3139% | 5,387 |
| Assets per employee ($millions) | 5.9590% | 1,300 |
| Cash dividends to net income (ytd only)* | 14.7147% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,195 |
| Loan loss allowance to noncurrent loans | 128.6400% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 5,201 |
| Noncurrent loans to loans | 0.5350% | 4,404 |
| Net loans and leases to total assets | 54.0841% | 4,533 |
| Net loans and leases to deposits | 60.1513% | 4,849 |
| Net loans and leases to core deposits | 62.8914% | 4,909 |
| Total domestic deposits to total assets | 89.9135% | 853 |
| Equity capital to assets | 9.3667% | 4,885 |
| Core capital (leverage) ratio | 8.4162% | 5,725 |
| Tier 1 risk-based capital ratio | 12.1850% | 5,433 |
| Total risk-based capital ratio | 13.3857% | 5,377 |
| Memoranda: | ||
| Average total assets | $211,321,000 | 2,901 |
| Average earning assets | $197,084,330 | 2,870 |
| Average equity | $19,557,330 | 3,218 |
| Average total loans | $118,005,670 | 3,100 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3629% | 5,722 |
| Cost of funding earning assets | 0.6072% | 1,920 |
| Net interest margin | 2.7557% | 6,026 |
| Noninterest income to average assets | 0.3433% | 4,629 |
| Noninterest expense to average assets | 1.7681% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9174% | 2,561 |
| Return on assets (ROA) | 0.9174% | 2,636 |
| Pretax return on assets | 1.1635% | 2,644 |
| Return on Equity (ROE) | 9.9746% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.9746% | 971 |
| Net charge-offs to loans | -0.0270% | 5,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3123% | 5,355 |
| Assets per employee ($millions) | 6.1131% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6912% | 6,294 |
| Loan loss allowance to noncurrent loans | 122.5309% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3029% | 5,246 |
| Noncurrent loans to loans | 0.5641% | 4,468 |
| Net loans and leases to total assets | 53.3193% | 4,509 |
| Net loans and leases to deposits | 59.1277% | 4,833 |
| Net loans and leases to core deposits | 61.8014% | 4,901 |
| Total domestic deposits to total assets | 90.1766% | 981 |
| Equity capital to assets | 9.1424% | 4,951 |
| Core capital (leverage) ratio | 8.3686% | 5,782 |
| Tier 1 risk-based capital ratio | 12.0737% | 5,593 |
| Total risk-based capital ratio | 13.2638% | 5,568 |
| Memoranda: | ||
| Average total assets | $209,719,000 | 2,935 |
| Average earning assets | $196,975,500 | 2,882 |
| Average equity | $19,289,000 | 3,250 |
| Average total loans | $118,594,500 | 3,100 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 5,648 |
| Cost of funding earning assets | 0.6695% | 2,044 |
| Net interest margin | 2.8297% | 5,931 |
| Noninterest income to average assets | 0.3569% | 4,746 |
| Noninterest expense to average assets | 1.9065% | 6,177 |
| Loan and lease loss provision to assets | 0.0113% | 4,902 |
| Net operating income to assets | 0.7798% | 3,393 |
| Return on assets (ROA) | 0.8186% | 3,292 |
| Pretax return on assets | 1.1334% | 2,834 |
| Return on Equity (ROE) | 9.0365% | 2,515 |
| Retained earnings to average equity (ytd only) | 8.2420% | 973 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6067% | 4,970 |
| Assets per employee ($millions) | 5.5535% | 1,603 |
| Cash dividends to net income (ytd only)* | 8.7919% | 4,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 6,426 |
| Loan loss allowance to noncurrent loans | 131.2187% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 5,387 |
| Noncurrent loans to loans | 0.4897% | 4,768 |
| Net loans and leases to total assets | 59.1435% | 3,851 |
| Net loans and leases to deposits | 66.0356% | 4,293 |
| Net loans and leases to core deposits | 69.4811% | 4,347 |
| Total domestic deposits to total assets | 89.5630% | 1,292 |
| Equity capital to assets | 9.2549% | 4,742 |
| Core capital (leverage) ratio | 8.2566% | 5,919 |
| Tier 1 risk-based capital ratio | 11.3848% | 5,976 |
| Total risk-based capital ratio | 11.9128% | 6,264 |
| Memoranda: | ||
| Average total assets | $204,247,600 | 2,984 |
| Average earning assets | $190,586,400 | 2,947 |
| Average equity | $18,502,800 | 3,344 |
| Average total loans | $110,663,000 | 3,233 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 5,709 |
| Cost of funding earning assets | 0.6822% | 2,085 |
| Net interest margin | 2.8076% | 6,004 |
| Noninterest income to average assets | 0.3648% | 4,781 |
| Noninterest expense to average assets | 1.8025% | 6,335 |
| Loan and lease loss provision to assets | 0.0105% | 4,783 |
| Net operating income to assets | 0.8193% | 3,254 |
| Return on assets (ROA) | 0.8577% | 3,166 |
| Pretax return on assets | 1.2167% | 2,633 |
| Return on Equity (ROE) | 9.5203% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.4536% | 1,234 |
| Net charge-offs to loans | 0.0148% | 4,834 |
| Credit loss provision to net charge-offs | 133.3333% | 1,769 |
| Earnings coverage of net charge-offs (x) | 149.4131% | 369 |
| Efficiency ratio | 60.5934% | 5,348 |
| Assets per employee ($millions) | 5.3949% | 1,740 |
| Cash dividends to net income (ytd only)* | 11.2045% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6891% | 6,455 |
| Loan loss allowance to noncurrent loans | 150.6876% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 5,701 |
| Noncurrent loans to loans | 0.4573% | 5,048 |
| Net loans and leases to total assets | 53.9158% | 4,626 |
| Net loans and leases to deposits | 59.7537% | 5,002 |
| Net loans and leases to core deposits | 62.3737% | 5,076 |
| Total domestic deposits to total assets | 90.2300% | 875 |
| Equity capital to assets | 9.0837% | 5,077 |
| Core capital (leverage) ratio | 8.2451% | 6,019 |
| Tier 1 risk-based capital ratio | 11.8924% | 5,842 |
| Total risk-based capital ratio | 13.1155% | 5,811 |
| Memoranda: | ||
| Average total assets | $203,939,500 | 3,010 |
| Average earning assets | $189,575,000 | 2,979 |
| Average equity | $18,374,250 | 3,392 |
| Average total loans | $107,750,250 | 3,309 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 5,772 |
| Cost of funding earning assets | 0.6931% | 2,119 |
| Net interest margin | 2.7652% | 6,073 |
| Noninterest income to average assets | 0.3861% | 4,622 |
| Noninterest expense to average assets | 1.8174% | 6,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8836% | 2,879 |
| Return on assets (ROA) | 0.9480% | 2,725 |
| Pretax return on assets | 1.2182% | 2,592 |
| Return on Equity (ROE) | 10.5513% | 1,995 |
| Retained earnings to average equity (ytd only) | 8.9440% | 1,146 |
| Net charge-offs to loans | 0.0450% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 824 |
| Efficiency ratio | 61.5436% | 5,237 |
| Assets per employee ($millions) | 5.6632% | 1,448 |
| Cash dividends to net income (ytd only)* | 15.2332% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6982% | 6,495 |
| Loan loss allowance to noncurrent loans | 156.9002% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 5,791 |
| Noncurrent loans to loans | 0.4450% | 5,150 |
| Net loans and leases to total assets | 51.5527% | 4,923 |
| Net loans and leases to deposits | 57.1150% | 5,237 |
| Net loans and leases to core deposits | 59.5454% | 5,302 |
| Total domestic deposits to total assets | 90.2612% | 881 |
| Equity capital to assets | 9.0178% | 5,199 |
| Core capital (leverage) ratio | 8.0742% | 6,125 |
| Tier 1 risk-based capital ratio | 12.1385% | 5,719 |
| Total risk-based capital ratio | 13.3262% | 5,697 |
| Memoranda: | ||
| Average total assets | $203,584,330 | 3,030 |
| Average earning assets | $188,994,000 | 3,007 |
| Average equity | $18,291,670 | 3,425 |
| Average total loans | $106,568,000 | 3,347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 5,848 |
| Cost of funding earning assets | 0.7105% | 2,123 |
| Net interest margin | 2.7343% | 6,157 |
| Noninterest income to average assets | 0.3736% | 4,681 |
| Noninterest expense to average assets | 1.8659% | 6,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6305% | 4,078 |
| Return on assets (ROA) | 0.6783% | 3,945 |
| Pretax return on assets | 1.1247% | 2,864 |
| Return on Equity (ROE) | 7.5637% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.3409% | 3,632 |
| Net charge-offs to loans | 0.0786% | 3,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 25.4286% | 1,052 |
| Efficiency ratio | 63.9919% | 5,010 |
| Assets per employee ($millions) | 5.3173% | 1,843 |
| Cash dividends to net income (ytd only)* | 42.6087% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 6,580 |
| Loan loss allowance to noncurrent loans | 179.2271% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 5,965 |
| Noncurrent loans to loans | 0.3966% | 5,425 |
| Net loans and leases to total assets | 49.9843% | 4,995 |
| Net loans and leases to deposits | 55.3057% | 5,321 |
| Net loans and leases to core deposits | 57.6050% | 5,372 |
| Total domestic deposits to total assets | 90.3783% | 832 |
| Equity capital to assets | 8.8603% | 5,652 |
| Core capital (leverage) ratio | 7.7419% | 6,330 |
| Tier 1 risk-based capital ratio | 11.8325% | 6,010 |
| Total risk-based capital ratio | 12.9702% | 6,051 |
| Memoranda: | ||
| Average total assets | $203,439,000 | 3,064 |
| Average earning assets | $189,151,500 | 3,027 |
| Average equity | $18,245,000 | 3,490 |
| Average total loans | $106,931,000 | 3,361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 5,764 |
| Cost of funding earning assets | 0.8738% | 2,104 |
| Net interest margin | 2.9503% | 6,135 |
| Noninterest income to average assets | 0.4358% | 4,354 |
| Noninterest expense to average assets | 1.8077% | 6,616 |
| Loan and lease loss provision to assets | 0.0797% | 4,711 |
| Net operating income to assets | 0.9388% | 2,608 |
| Return on assets (ROA) | 0.9892% | 2,607 |
| Pretax return on assets | 1.3396% | 2,258 |
| Return on Equity (ROE) | 11.0255% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.1725% | 566 |
| Net charge-offs to loans | 0.0020% | 5,962 |
| Credit loss provision to net charge-offs | 7,650.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,297.5000% | 22 |
| Efficiency ratio | 57.2276% | 5,930 |
| Assets per employee ($millions) | 5.1155% | 2,077 |
| Cash dividends to net income (ytd only)* | 7.7368% | 4,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6970% | 6,637 |
| Loan loss allowance to noncurrent loans | 142.3507% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 5,875 |
| Noncurrent loans to loans | 0.4897% | 5,308 |
| Net loans and leases to total assets | 54.4864% | 4,549 |
| Net loans and leases to deposits | 60.4431% | 4,976 |
| Net loans and leases to core deposits | 63.0449% | 5,056 |
| Total domestic deposits to total assets | 90.1450% | 876 |
| Equity capital to assets | 9.0806% | 5,426 |
| Core capital (leverage) ratio | 8.0873% | 6,104 |
| Tier 1 risk-based capital ratio | 11.4288% | 6,152 |
| Total risk-based capital ratio | 12.4580% | 6,232 |
| Memoranda: | ||
| Average total assets | $192,066,200 | 3,151 |
| Average earning assets | $177,272,800 | 3,129 |
| Average equity | $17,232,800 | 3,583 |
| Average total loans | $98,408,800 | 3,563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 5,985 |
| Cost of funding earning assets | 0.9050% | 2,140 |
| Net interest margin | 2.9117% | 6,334 |
| Noninterest income to average assets | 0.4437% | 4,337 |
| Noninterest expense to average assets | 1.7097% | 6,780 |
| Loan and lease loss provision to assets | 0.0771% | 4,674 |
| Net operating income to assets | 0.9819% | 2,604 |
| Return on assets (ROA) | 1.0157% | 2,658 |
| Pretax return on assets | 1.3914% | 2,265 |
| Return on Equity (ROE) | 11.3564% | 1,835 |
| Retained earnings to average equity (ytd only) | 10.2043% | 866 |
| Net charge-offs to loans | 0.0125% | 5,527 |
| Credit loss provision to net charge-offs | 1,222.2222% | 225 |
| Earnings coverage of net charge-offs (x) | 225.4392% | 197 |
| Efficiency ratio | 54.5882% | 6,190 |
| Assets per employee ($millions) | 5.4324% | 1,700 |
| Cash dividends to net income (ytd only)* | 10.1452% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,754 |
| Loan loss allowance to noncurrent loans | 175.6158% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 6,194 |
| Noncurrent loans to loans | 0.3968% | 5,663 |
| Net loans and leases to total assets | 51.9584% | 5,053 |
| Net loans and leases to deposits | 57.7264% | 5,454 |
| Net loans and leases to core deposits | 60.0148% | 5,557 |
| Total domestic deposits to total assets | 90.0081% | 844 |
| Equity capital to assets | 9.1365% | 5,660 |
| Core capital (leverage) ratio | 7.8911% | 6,406 |
| Tier 1 risk-based capital ratio | 11.5907% | 6,174 |
| Total risk-based capital ratio | 12.5978% | 6,293 |
| Memoranda: | ||
| Average total assets | $190,207,000 | 3,202 |
| Average earning assets | $175,609,500 | 3,189 |
| Average equity | $17,012,000 | 3,653 |
| Average total loans | $95,644,750 | 3,662 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 6,156 |
| Cost of funding earning assets | 0.9355% | 2,147 |
| Net interest margin | 2.8585% | 6,482 |
| Noninterest income to average assets | 0.4002% | 4,647 |
| Noninterest expense to average assets | 1.7917% | 6,760 |
| Loan and lease loss provision to assets | 0.1168% | 4,062 |
| Net operating income to assets | 0.9148% | 2,838 |
| Return on assets (ROA) | 0.9723% | 2,817 |
| Pretax return on assets | 1.1920% | 2,956 |
| Return on Equity (ROE) | 10.9526% | 2,007 |
| Retained earnings to average equity (ytd only) | 9.1949% | 1,210 |
| Net charge-offs to loans | 0.0171% | 5,172 |
| Credit loss provision to net charge-offs | 1,375.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 145.8750% | 309 |
| Efficiency ratio | 59.1243% | 5,719 |
| Assets per employee ($millions) | 4.8326% | 2,380 |
| Cash dividends to net income (ytd only)* | 16.0480% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 6,823 |
| Loan loss allowance to noncurrent loans | 165.6613% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 6,220 |
| Noncurrent loans to loans | 0.4266% | 5,682 |
| Net loans and leases to total assets | 51.8947% | 5,113 |
| Net loans and leases to deposits | 57.4941% | 5,505 |
| Net loans and leases to core deposits | 59.9104% | 5,600 |
| Total domestic deposits to total assets | 90.2609% | 783 |
| Equity capital to assets | 8.9124% | 5,791 |
| Core capital (leverage) ratio | 7.7033% | 6,515 |
| Tier 1 risk-based capital ratio | 11.4628% | 6,237 |
| Total risk-based capital ratio | 12.4734% | 6,365 |
| Memoranda: | ||
| Average total assets | $188,420,000 | 3,234 |
| Average earning assets | $173,378,670 | 3,226 |
| Average equity | $16,726,670 | 3,696 |
| Average total loans | $93,417,330 | 3,725 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 6,372 |
| Cost of funding earning assets | 0.9652% | 2,193 |
| Net interest margin | 2.7739% | 6,674 |
| Noninterest income to average assets | 0.4086% | 4,608 |
| Noninterest expense to average assets | 1.9314% | 6,583 |
| Loan and lease loss provision to assets | 0.0538% | 4,741 |
| Net operating income to assets | 0.8207% | 3,297 |
| Return on assets (ROA) | 0.9399% | 2,951 |
| Pretax return on assets | 1.1184% | 3,248 |
| Return on Equity (ROE) | 10.6094% | 2,186 |
| Retained earnings to average equity (ytd only) | 7.0405% | 2,415 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2142% | 4,696 |
| Assets per employee ($millions) | 4.9245% | 2,348 |
| Cash dividends to net income (ytd only)* | 33.6384% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 6,895 |
| Loan loss allowance to noncurrent loans | 142.5056% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 6,201 |
| Noncurrent loans to loans | 0.4809% | 5,708 |
| Net loans and leases to total assets | 48.0623% | 5,546 |
| Net loans and leases to deposits | 53.0866% | 5,894 |
| Net loans and leases to core deposits | 55.4080% | 5,957 |
| Total domestic deposits to total assets | 90.5356% | 786 |
| Equity capital to assets | 8.6563% | 5,926 |
| Core capital (leverage) ratio | 7.5802% | 6,579 |
| Tier 1 risk-based capital ratio | 11.7391% | 6,134 |
| Total risk-based capital ratio | 12.7751% | 6,249 |
| Memoranda: | ||
| Average total assets | $185,978,500 | 3,282 |
| Average earning assets | $171,164,000 | 3,271 |
| Average equity | $16,476,000 | 3,735 |
| Average total loans | $89,612,000 | 3,837 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 6,036 |
| Cost of funding earning assets | 1.3180% | 1,396 |
| Net interest margin | 2.8862% | 6,712 |
| Noninterest income to average assets | 0.4101% | 4,535 |
| Noninterest expense to average assets | 1.9133% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8510% | 2,817 |
| Return on assets (ROA) | 0.9052% | 2,707 |
| Pretax return on assets | 1.1677% | 2,584 |
| Return on Equity (ROE) | 10.3326% | 1,944 |
| Retained earnings to average equity (ytd only) | 7.8171% | 1,145 |
| Net charge-offs to loans | -0.0788% | 7,107 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5299% | 5,209 |
| Assets per employee ($millions) | 4.8622% | 2,365 |
| Cash dividends to net income (ytd only)* | 24.3450% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 6,894 |
| Loan loss allowance to noncurrent loans | 124.3902% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 6,198 |
| Noncurrent loans to loans | 0.5702% | 5,571 |
| Net loans and leases to total assets | 47.6198% | 5,865 |
| Net loans and leases to deposits | 52.8929% | 6,145 |
| Net loans and leases to core deposits | 55.5568% | 6,184 |
| Total domestic deposits to total assets | 90.0306% | 979 |
| Equity capital to assets | 9.0756% | 5,453 |
| Core capital (leverage) ratio | 7.8762% | 6,377 |
| Tier 1 risk-based capital ratio | 12.2102% | 5,682 |
| Total risk-based capital ratio | 13.1087% | 5,909 |
| Memoranda: | ||
| Average total assets | $172,897,400 | 3,444 |
| Average earning assets | $155,844,600 | 3,478 |
| Average equity | $15,146,200 | 3,876 |
| Average total loans | $81,247,600 | 4,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 6,127 |
| Cost of funding earning assets | 1.3805% | 1,318 |
| Net interest margin | 2.8538% | 6,821 |
| Noninterest income to average assets | 0.3716% | 4,891 |
| Noninterest expense to average assets | 1.7879% | 7,010 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9224% | 2,664 |
| Return on assets (ROA) | 0.9972% | 2,483 |
| Pretax return on assets | 1.2410% | 2,486 |
| Return on Equity (ROE) | 11.4916% | 1,694 |
| Retained earnings to average equity (ytd only) | 8.0711% | 1,485 |
| Net charge-offs to loans | -0.0650% | 7,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9076% | 5,577 |
| Assets per employee ($millions) | 4.7050% | 2,615 |
| Cash dividends to net income (ytd only)* | 29.7659% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 6,952 |
| Loan loss allowance to noncurrent loans | 120.5339% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 6,270 |
| Noncurrent loans to loans | 0.5853% | 5,702 |
| Net loans and leases to total assets | 47.4598% | 6,013 |
| Net loans and leases to deposits | 52.7879% | 6,311 |
| Net loans and leases to core deposits | 55.4158% | 6,354 |
| Total domestic deposits to total assets | 89.9066% | 916 |
| Equity capital to assets | 9.1720% | 5,551 |
| Core capital (leverage) ratio | 7.7295% | 6,611 |
| Tier 1 risk-based capital ratio | 14.3949% | 4,057 |
| Total risk-based capital ratio | 15.5253% | 4,105 |
| Memoranda: | ||
| Average total assets | $171,146,750 | 3,496 |
| Average earning assets | $153,756,250 | 3,536 |
| Average equity | $14,851,000 | 3,948 |
| Average total loans | $79,989,500 | 4,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 6,168 |
| Cost of funding earning assets | 1.4601% | 1,162 |
| Net interest margin | 2.7876% | 6,939 |
| Noninterest income to average assets | 0.3632% | 4,969 |
| Noninterest expense to average assets | 1.8147% | 7,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8542% | 2,839 |
| Return on assets (ROA) | 0.9638% | 2,479 |
| Pretax return on assets | 1.1518% | 2,663 |
| Return on Equity (ROE) | 11.3267% | 1,690 |
| Retained earnings to average equity (ytd only) | 6.0640% | 2,385 |
| Net charge-offs to loans | -0.0583% | 7,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9867% | 5,243 |
| Assets per employee ($millions) | 4.7067% | 2,536 |
| Cash dividends to net income (ytd only)* | 46.4634% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 6,981 |
| Loan loss allowance to noncurrent loans | 106.1338% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 6,258 |
| Noncurrent loans to loans | 0.6882% | 5,531 |
| Net loans and leases to total assets | 44.5592% | 6,386 |
| Net loans and leases to deposits | 49.2783% | 6,652 |
| Net loans and leases to core deposits | 52.0195% | 6,664 |
| Total domestic deposits to total assets | 90.4237% | 750 |
| Equity capital to assets | 8.7121% | 5,927 |
| Core capital (leverage) ratio | 7.5062% | 6,740 |
| Tier 1 risk-based capital ratio | 12.3787% | 5,452 |
| Total risk-based capital ratio | 13.5174% | 5,536 |
| Memoranda: | ||
| Average total assets | $170,167,670 | 3,529 |
| Average earning assets | $150,953,670 | 3,612 |
| Average equity | $14,479,000 | 4,015 |
| Average total loans | $78,917,000 | 4,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 6,252 |
| Cost of funding earning assets | 1.5526% | 971 |
| Net interest margin | 2.6620% | 7,059 |
| Noninterest income to average assets | 0.3996% | 4,700 |
| Noninterest expense to average assets | 1.7577% | 7,182 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8185% | 2,934 |
| Return on assets (ROA) | 0.8325% | 2,929 |
| Pretax return on assets | 0.9871% | 3,172 |
| Return on Equity (ROE) | 9.9062% | 2,131 |
| Retained earnings to average equity (ytd only) | -0.8774% | 5,958 |
| Net charge-offs to loans | -0.0555% | 6,913 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4289% | 5,295 |
| Assets per employee ($millions) | 5.2782% | 1,792 |
| Cash dividends to net income (ytd only)* | 108.8571% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 7,060 |
| Loan loss allowance to noncurrent loans | 87.4804% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 6,290 |
| Noncurrent loans to loans | 0.8184% | 5,400 |
| Net loans and leases to total assets | 44.5068% | 6,431 |
| Net loans and leases to deposits | 48.8660% | 6,700 |
| Net loans and leases to core deposits | 51.6583% | 6,700 |
| Total domestic deposits to total assets | 91.0793% | 591 |
| Equity capital to assets | 8.1818% | 6,307 |
| Core capital (leverage) ratio | 7.2617% | 6,884 |
| Tier 1 risk-based capital ratio | 11.9387% | 5,747 |
| Total risk-based capital ratio | 13.0064% | 5,900 |
| Memoranda: | ||
| Average total assets | $168,177,500 | 3,588 |
| Average earning assets | $147,105,000 | 3,693 |
| Average equity | $14,132,500 | 4,088 |
| Average total loans | $79,290,500 | 4,281 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 5,037 |
| Cost of funding earning assets | 1.8497% | 1,001 |
| Net interest margin | 3.0493% | 6,638 |
| Noninterest income to average assets | 0.5473% | 3,837 |
| Noninterest expense to average assets | 2.2048% | 6,597 |
| Loan and lease loss provision to assets | 0.0750% | 6,399 |
| Net operating income to assets | 0.8022% | 2,792 |
| Return on assets (ROA) | 0.8017% | 2,926 |
| Pretax return on assets | 0.9811% | 2,993 |
| Return on Equity (ROE) | 9.0409% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.9374% | 995 |
| Net charge-offs to loans | 0.1889% | 5,167 |
| Credit loss provision to net charge-offs | 77.7027% | 5,642 |
| Earnings coverage of net charge-offs (x) | 10.9459% | 1,656 |
| Efficiency ratio | 67.6000% | 4,645 |
| Assets per employee ($millions) | 4.5049% | 2,863 |
| Cash dividends to net income (ytd only)* | 12.2050% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 7,160 |
| Loan loss allowance to noncurrent loans | 62.1315% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5439% | 5,941 |
| Noncurrent loans to loans | 1.0957% | 4,908 |
| Net loans and leases to total assets | 49.2998% | 6,243 |
| Net loans and leases to deposits | 54.3950% | 6,580 |
| Net loans and leases to core deposits | 57.6634% | 6,589 |
| Total domestic deposits to total assets | 90.6330% | 778 |
| Equity capital to assets | 8.6413% | 5,670 |
| Core capital (leverage) ratio | 7.8137% | 6,424 |
| Tier 1 risk-based capital ratio | 12.1074% | 5,378 |
| Total risk-based capital ratio | 13.0867% | 5,618 |
| Memoranda: | ||
| Average total assets | $153,304,200 | 3,822 |
| Average earning assets | $136,456,200 | 3,888 |
| Average equity | $13,593,800 | 4,237 |
| Average total loans | $78,359,200 | 4,381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9593% | 4,996 |
| Cost of funding earning assets | 1.8990% | 1,032 |
| Net interest margin | 3.0603% | 6,709 |
| Noninterest income to average assets | 0.4757% | 4,371 |
| Noninterest expense to average assets | 2.0976% | 6,853 |
| Loan and lease loss provision to assets | 0.0574% | 6,493 |
| Net operating income to assets | 0.8417% | 2,839 |
| Return on assets (ROA) | 0.8410% | 2,970 |
| Pretax return on assets | 1.0546% | 2,983 |
| Return on Equity (ROE) | 9.4199% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.9373% | 1,442 |
| Net charge-offs to loans | 0.1251% | 5,302 |
| Credit loss provision to net charge-offs | 89.0411% | 4,808 |
| Earnings coverage of net charge-offs (x) | 17.2741% | 1,337 |
| Efficiency ratio | 65.3381% | 4,993 |
| Assets per employee ($millions) | 4.2580% | 3,335 |
| Cash dividends to net income (ytd only)* | 15.7402% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 7,184 |
| Loan loss allowance to noncurrent loans | 64.5270% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 5,930 |
| Noncurrent loans to loans | 1.1008% | 5,040 |
| Net loans and leases to total assets | 50.8417% | 6,234 |
| Net loans and leases to deposits | 56.5036% | 6,578 |
| Net loans and leases to core deposits | 60.7985% | 6,550 |
| Total domestic deposits to total assets | 89.9794% | 893 |
| Equity capital to assets | 9.0469% | 5,516 |
| Core capital (leverage) ratio | 8.5762% | 5,379 |
| Tier 1 risk-based capital ratio | 12.0700% | 5,391 |
| Total risk-based capital ratio | 13.0664% | 5,605 |
| Memoranda: | ||
| Average total assets | $151,086,500 | 3,911 |
| Average earning assets | $135,015,250 | 3,972 |
| Average equity | $13,488,750 | 4,329 |
| Average total loans | $77,824,000 | 4,474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 5,432 |
| Cost of funding earning assets | 1.9227% | 1,143 |
| Net interest margin | 2.9684% | 6,904 |
| Noninterest income to average assets | 0.4203% | 4,750 |
| Noninterest expense to average assets | 2.0936% | 6,922 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8232% | 2,861 |
| Return on assets (ROA) | 0.8232% | 3,009 |
| Pretax return on assets | 1.0219% | 3,037 |
| Return on Equity (ROE) | 9.2640% | 2,362 |
| Retained earnings to average equity (ytd only) | 6.9971% | 1,831 |
| Net charge-offs to loans | -0.0208% | 7,291 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1983% | 4,726 |
| Assets per employee ($millions) | 4.2193% | 3,351 |
| Cash dividends to net income (ytd only)* | 24.4698% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 7,141 |
| Loan loss allowance to noncurrent loans | 92.6101% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 6,402 |
| Noncurrent loans to loans | 0.8116% | 5,651 |
| Net loans and leases to total assets | 51.2064% | 6,285 |
| Net loans and leases to deposits | 56.8211% | 6,667 |
| Net loans and leases to core deposits | 61.2202% | 6,621 |
| Total domestic deposits to total assets | 90.1187% | 861 |
| Equity capital to assets | 8.8720% | 5,639 |
| Core capital (leverage) ratio | 7.9334% | 6,348 |
| Tier 1 risk-based capital ratio | 12.1092% | 5,215 |
| Total risk-based capital ratio | 13.1171% | 5,401 |
| Memoranda: | ||
| Average total assets | $148,933,330 | 3,973 |
| Average earning assets | $135,223,000 | 3,997 |
| Average equity | $13,234,000 | 4,386 |
| Average total loans | $76,874,670 | 4,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 5,482 |
| Cost of funding earning assets | 1.9692% | 1,186 |
| Net interest margin | 2.9254% | 6,977 |
| Noninterest income to average assets | 0.4123% | 4,791 |
| Noninterest expense to average assets | 2.1403% | 6,837 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7541% | 3,192 |
| Return on assets (ROA) | 0.7541% | 3,299 |
| Pretax return on assets | 0.9278% | 3,356 |
| Return on Equity (ROE) | 8.4801% | 2,673 |
| Retained earnings to average equity (ytd only) | 3.9045% | 3,798 |
| Net charge-offs to loans | 0.1051% | 4,371 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 17.1000% | 1,304 |
| Efficiency ratio | 69.7613% | 4,358 |
| Assets per employee ($millions) | 4.0552% | 3,741 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 7,236 |
| Loan loss allowance to noncurrent loans | 109.7847% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 6,405 |
| Noncurrent loans to loans | 0.6865% | 5,961 |
| Net loans and leases to total assets | 49.2362% | 6,553 |
| Net loans and leases to deposits | 54.7238% | 6,871 |
| Net loans and leases to core deposits | 58.9933% | 6,816 |
| Total domestic deposits to total assets | 89.9721% | 1,000 |
| Equity capital to assets | 8.8015% | 5,552 |
| Core capital (leverage) ratio | 7.8223% | 6,468 |
| Tier 1 risk-based capital ratio | 12.2177% | 4,974 |
| Total risk-based capital ratio | 13.3097% | 5,101 |
| Memoranda: | ||
| Average total assets | $147,453,500 | 4,051 |
| Average earning assets | $133,860,000 | 4,077 |
| Average equity | $13,113,000 | 4,452 |
| Average total loans | $76,128,000 | 4,632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 5,092 |
| Cost of funding earning assets | 2.3268% | 1,554 |
| Net interest margin | 2.9906% | 6,672 |
| Noninterest income to average assets | 0.5625% | 3,922 |
| Noninterest expense to average assets | 2.2263% | 6,924 |
| Loan and lease loss provision to assets | 0.1449% | 6,198 |
| Net operating income to assets | 0.7903% | 2,565 |
| Return on assets (ROA) | 0.7854% | 2,676 |
| Pretax return on assets | 0.9705% | 2,687 |
| Return on Equity (ROE) | 8.6427% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.4162% | 837 |
| Net charge-offs to loans | 0.0937% | 6,192 |
| Credit loss provision to net charge-offs | 278.5714% | 1,233 |
| Earnings coverage of net charge-offs (x) | 21.5571% | 996 |
| Efficiency ratio | 66.5039% | 5,288 |
| Assets per employee ($millions) | 4.0240% | 3,771 |
| Cash dividends to net income (ytd only)* | 14.1911% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 7,274 |
| Loan loss allowance to noncurrent loans | 81.0321% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 6,212 |
| Noncurrent loans to loans | 0.9214% | 5,469 |
| Net loans and leases to total assets | 53.3179% | 6,267 |
| Net loans and leases to deposits | 59.4338% | 6,674 |
| Net loans and leases to core deposits | 76.1531% | 6,388 |
| Total domestic deposits to total assets | 89.7097% | 1,103 |
| Equity capital to assets | 8.9877% | 5,168 |
| Core capital (leverage) ratio | 8.0130% | 6,167 |
| Tier 1 risk-based capital ratio | 11.9638% | 4,974 |
| Total risk-based capital ratio | 13.0189% | 5,100 |
| Memoranda: | ||
| Average total assets | $134,573,200 | 4,250 |
| Average earning assets | $125,324,800 | 4,186 |
| Average equity | $12,230,000 | 4,699 |
| Average total loans | $74,728,800 | 4,699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3188% | 5,325 |
| Cost of funding earning assets | 2.3739% | 1,728 |
| Net interest margin | 2.9449% | 6,736 |
| Noninterest income to average assets | 0.5919% | 3,769 |
| Noninterest expense to average assets | 2.0818% | 7,221 |
| Loan and lease loss provision to assets | 0.1566% | 5,783 |
| Net operating income to assets | 0.8489% | 2,622 |
| Return on assets (ROA) | 0.8565% | 2,653 |
| Pretax return on assets | 1.1303% | 2,475 |
| Return on Equity (ROE) | 9.3966% | 2,130 |
| Retained earnings to average equity (ytd only) | 7.7344% | 1,222 |
| Net charge-offs to loans | 0.1550% | 5,159 |
| Credit loss provision to net charge-offs | 180.2326% | 2,538 |
| Earnings coverage of net charge-offs (x) | 14.6982% | 1,582 |
| Efficiency ratio | 61.9850% | 6,107 |
| Assets per employee ($millions) | 3.9162% | 3,901 |
| Cash dividends to net income (ytd only)* | 17.6891% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 7,364 |
| Loan loss allowance to noncurrent loans | 126.2019% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 6,583 |
| Noncurrent loans to loans | 0.5560% | 6,203 |
| Net loans and leases to total assets | 52.6971% | 6,536 |
| Net loans and leases to deposits | 58.6433% | 6,925 |
| Net loans and leases to core deposits | 74.1946% | 6,719 |
| Total domestic deposits to total assets | 89.8605% | 824 |
| Equity capital to assets | 8.8557% | 5,700 |
| Core capital (leverage) ratio | 8.1625% | 6,081 |
| Tier 1 risk-based capital ratio | 12.2050% | 4,786 |
| Total risk-based capital ratio | 13.1108% | 5,036 |
| Memoranda: | ||
| Average total assets | $132,000,250 | 4,322 |
| Average earning assets | $124,010,000 | 4,244 |
| Average equity | $12,032,500 | 4,780 |
| Average total loans | $73,956,000 | 4,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 5,037 |
| Cost of funding earning assets | 2.4491% | 1,780 |
| Net interest margin | 2.9714% | 6,631 |
| Noninterest income to average assets | 0.6790% | 3,123 |
| Noninterest expense to average assets | 1.9425% | 7,567 |
| Loan and lease loss provision to assets | 0.2015% | 5,041 |
| Net operating income to assets | 0.9945% | 2,134 |
| Return on assets (ROA) | 1.0062% | 2,180 |
| Pretax return on assets | 1.3379% | 1,910 |
| Return on Equity (ROE) | 10.9244% | 1,719 |
| Retained earnings to average equity (ytd only) | 8.3995% | 1,092 |
| Net charge-offs to loans | 0.0923% | 5,260 |
| Credit loss provision to net charge-offs | 382.3529% | 1,213 |
| Earnings coverage of net charge-offs (x) | 28.9118% | 1,023 |
| Efficiency ratio | 56.0376% | 7,119 |
| Assets per employee ($millions) | 4.0985% | 3,500 |
| Cash dividends to net income (ytd only)* | 23.1125% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 7,228 |
| Loan loss allowance to noncurrent loans | 166.2651% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 6,564 |
| Noncurrent loans to loans | 0.4672% | 6,359 |
| Net loans and leases to total assets | 52.1364% | 6,667 |
| Net loans and leases to deposits | 58.2720% | 7,005 |
| Net loans and leases to core deposits | 72.5411% | 6,867 |
| Total domestic deposits to total assets | 89.4707% | 1,057 |
| Equity capital to assets | 8.9530% | 5,382 |
| Core capital (leverage) ratio | 8.4216% | 5,577 |
| Tier 1 risk-based capital ratio | 12.7025% | 4,357 |
| Total risk-based capital ratio | 13.7327% | 4,459 |
| Memoranda: | ||
| Average total assets | $129,006,000 | 4,416 |
| Average earning assets | $121,022,000 | 4,346 |
| Average equity | $11,881,670 | 4,847 |
| Average total loans | $73,668,330 | 4,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 4,483 |
| Cost of funding earning assets | 2.5279% | 1,812 |
| Net interest margin | 3.0497% | 6,340 |
| Noninterest income to average assets | 0.7181% | 2,771 |
| Noninterest expense to average assets | 1.7826% | 7,721 |
| Loan and lease loss provision to assets | 0.4131% | 2,856 |
| Net operating income to assets | 1.0375% | 2,173 |
| Return on assets (ROA) | 1.0613% | 2,233 |
| Pretax return on assets | 1.4140% | 1,926 |
| Return on Equity (ROE) | 11.3528% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.2542% | 2,523 |
| Net charge-offs to loans | 0.0053% | 5,620 |
| Credit loss provision to net charge-offs | 13,000.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 565.0000% | 39 |
| Efficiency ratio | 49.8224% | 7,602 |
| Assets per employee ($millions) | 3.7606% | 4,203 |
| Cash dividends to net income (ytd only)* | 44.9102% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 7,219 |
| Loan loss allowance to noncurrent loans | 147.3552% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 6,359 |
| Noncurrent loans to loans | 0.5313% | 6,093 |
| Net loans and leases to total assets | 57.9806% | 5,942 |
| Net loans and leases to deposits | 65.0116% | 6,461 |
| Net loans and leases to core deposits | 80.0990% | 6,375 |
| Total domestic deposits to total assets | 89.1850% | 1,153 |
| Equity capital to assets | 9.1639% | 5,128 |
| Core capital (leverage) ratio | 8.5628% | 5,406 |
| Tier 1 risk-based capital ratio | 12.3224% | 4,687 |
| Total risk-based capital ratio | 13.1793% | 4,928 |
| Memoranda: | ||
| Average total assets | $125,883,500 | 4,499 |
| Average earning assets | $118,044,500 | 4,429 |
| Average equity | $11,768,000 | 4,910 |
| Average total loans | $74,969,000 | 4,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0656% | 5,228 |
| Cost of funding earning assets | 2.9051% | 2,247 |
| Net interest margin | 3.1606% | 6,490 |
| Noninterest income to average assets | 0.5425% | 4,296 |
| Noninterest expense to average assets | 2.3711% | 6,497 |
| Loan and lease loss provision to assets | 0.0848% | 6,326 |
| Net operating income to assets | 0.7727% | 3,560 |
| Return on assets (ROA) | 0.7206% | 3,631 |
| Pretax return on assets | 0.9639% | 3,509 |
| Return on Equity (ROE) | 7.4007% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.0947% | 1,485 |
| Net charge-offs to loans | 0.2636% | 3,646 |
| Credit loss provision to net charge-offs | 56.4972% | 6,273 |
| Earnings coverage of net charge-offs (x) | 7.4520% | 3,109 |
| Efficiency ratio | 67.9543% | 4,728 |
| Assets per employee ($millions) | 3.6443% | 4,301 |
| Cash dividends to net income (ytd only)* | 17.6471% | 4,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 7,669 |
| Loan loss allowance to noncurrent loans | 105.0691% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 6,045 |
| Noncurrent loans to loans | 0.5770% | 5,636 |
| Net loans and leases to total assets | 60.3380% | 5,861 |
| Net loans and leases to deposits | 70.1789% | 6,258 |
| Net loans and leases to core deposits | 85.2272% | 6,188 |
| Total domestic deposits to total assets | 85.9774% | 2,416 |
| Equity capital to assets | 9.5386% | 4,629 |
| Core capital (leverage) ratio | 8.6777% | 5,239 |
| Tier 1 risk-based capital ratio | 12.3622% | 4,539 |
| Total risk-based capital ratio | 13.2570% | 4,704 |
| Memoranda: | ||
| Average total assets | $117,962,400 | 4,570 |
| Average earning assets | $109,980,000 | 4,515 |
| Average equity | $11,485,400 | 4,975 |
| Average total loans | $67,150,000 | 4,971 |