Home > Stillman BancCorp N.A. > Performance and Condition Ratios
Stillman BancCorp N.A., 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 | 3.2433% | 4,468 |
| Cost of funding earning assets | 1.1492% | 2,940 |
| Net interest margin | 2.0940% | 4,376 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.3874% | 2,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6348% | 3,354 |
| Return on assets (ROA) | 0.4567% | 3,753 |
| Pretax return on assets | 0.4615% | 3,877 |
| Return on Equity (ROE) | 9.8800% | 2,528 |
| Retained earnings to average equity (ytd only) | 5.6293% | 2,372 |
| Net charge-offs to loans | -0.0395% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.8208% | 1,000 |
| Assets per employee ($millions) | 5.5235% | 3,228 |
| Cash dividends to net income (ytd only)* | 43.0466% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,389 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.1000% | 4,180 |
| Net loans and leases to deposits | 38.6553% | 4,226 |
| Net loans and leases to core deposits | 43.9262% | 4,207 |
| Total domestic deposits to total assets | 90.7900% | 561 |
| Equity capital to assets | 5.9118% | 4,251 |
| Core capital (leverage) ratio | 9.5194% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3455% | 403 |
| Memoranda: | ||
| Average total assets | $577,871,200 | 1,530 |
| Average earning assets | $555,674,600 | 1,478 |
| Average equity | $26,699,400 | 2,418 |
| Average total loans | $192,552,400 | 2,342 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 4,500 |
| Cost of funding earning assets | 1.0179% | 2,987 |
| Net interest margin | 2.1321% | 4,393 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 2.4054% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7111% | 3,293 |
| Return on assets (ROA) | 0.7038% | 3,297 |
| Pretax return on assets | 0.7144% | 3,523 |
| Return on Equity (ROE) | 16.3900% | 1,187 |
| Retained earnings to average equity (ytd only) | 12.4178% | 899 |
| Net charge-offs to loans | -0.0331% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.9197% | 1,096 |
| Assets per employee ($millions) | 5.6899% | 3,031 |
| Cash dividends to net income (ytd only)* | 24.2126% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,627 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 34.6300% | 4,227 |
| Net loans and leases to deposits | 38.9431% | 4,235 |
| Net loans and leases to core deposits | 43.8992% | 4,174 |
| Total domestic deposits to total assets | 88.9200% | 1,286 |
| Equity capital to assets | 3.8290% | 4,417 |
| Core capital (leverage) ratio | 9.6258% | 3,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3711% | 466 |
| Memoranda: | ||
| Average total assets | $577,455,500 | 1,533 |
| Average earning assets | $555,491,750 | 1,479 |
| Average equity | $24,802,500 | 2,512 |
| Average total loans | $189,298,000 | 2,367 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0639% | 4,534 |
| Cost of funding earning assets | 0.8565% | 3,055 |
| Net interest margin | 2.2074% | 4,417 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.3747% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5668% | 3,665 |
| Return on assets (ROA) | 0.5559% | 3,692 |
| Pretax return on assets | 0.5652% | 3,858 |
| Return on Equity (ROE) | 12.5000% | 2,009 |
| Retained earnings to average equity (ytd only) | 7.0212% | 2,275 |
| Net charge-offs to loans | -0.0344% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.4719% | 812 |
| Assets per employee ($millions) | 5.6341% | 3,033 |
| Cash dividends to net income (ytd only)* | 43.8314% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,508 |
| Loan loss allowance to noncurrent loans | 2,516.4384% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,823 |
| Noncurrent loans to loans | 0.0389% | 3,451 |
| Net loans and leases to total assets | 32.0500% | 4,282 |
| Net loans and leases to deposits | 35.9218% | 4,297 |
| Net loans and leases to core deposits | 39.9859% | 4,258 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 4.4394% | 4,453 |
| Core capital (leverage) ratio | 9.3979% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0728% | 480 |
| Memoranda: | ||
| Average total assets | $580,276,333 | 1,527 |
| Average earning assets | $558,571,667 | 1,464 |
| Average equity | $25,807,667 | 2,477 |
| Average total loans | $186,105,000 | 2,380 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0574% | 4,546 |
| Cost of funding earning assets | 0.7110% | 3,021 |
| Net interest margin | 2.3463% | 4,420 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.4396% | 2,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6312% | 3,631 |
| Return on assets (ROA) | 0.6101% | 3,631 |
| Pretax return on assets | 0.6170% | 3,813 |
| Return on Equity (ROE) | 13.7000% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.6011% | 1,791 |
| Net charge-offs to loans | -0.0302% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.2609% | 879 |
| Assets per employee ($millions) | 5.5126% | 3,209 |
| Cash dividends to net income (ytd only)* | 29.9435% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,521 |
| Loan loss allowance to noncurrent loans | 2,490.4110% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 1,744 |
| Noncurrent loans to loans | 0.0401% | 3,453 |
| Net loans and leases to total assets | 31.7100% | 4,330 |
| Net loans and leases to deposits | 34.3892% | 4,367 |
| Net loans and leases to core deposits | 38.3600% | 4,312 |
| Total domestic deposits to total assets | 92.2100% | 470 |
| Equity capital to assets | 5.1515% | 4,392 |
| Core capital (leverage) ratio | 9.1562% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2421% | 488 |
| Memoranda: | ||
| Average total assets | $580,259,500 | 1,551 |
| Average earning assets | $559,177,000 | 1,492 |
| Average equity | $25,830,500 | 2,494 |
| Average total loans | $185,251,000 | 2,408 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5627% | 4,476 |
| Cost of funding earning assets | 0.2289% | 3,525 |
| Net interest margin | 2.3338% | 4,404 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 2.2179% | 2,980 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.8998% | 2,963 |
| Return on assets (ROA) | 0.9611% | 2,664 |
| Pretax return on assets | 0.9729% | 3,152 |
| Return on Equity (ROE) | 18.2300% | 669 |
| Retained earnings to average equity (ytd only) | 11.8395% | 703 |
| Net charge-offs to loans | -0.0581% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.4036% | 1,396 |
| Assets per employee ($millions) | 5.7546% | 2,986 |
| Cash dividends to net income (ytd only)* | 35.0478% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 2,973 |
| Loan loss allowance to noncurrent loans | 2,798.6301% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.2699% | 1,804 |
| Noncurrent loans to loans | 0.0387% | 3,495 |
| Net loans and leases to total assets | 31.4800% | 4,353 |
| Net loans and leases to deposits | 34.4655% | 4,386 |
| Net loans and leases to core deposits | 38.2446% | 4,326 |
| Total domestic deposits to total assets | 91.3400% | 828 |
| Equity capital to assets | 3.7810% | 4,544 |
| Core capital (leverage) ratio | 8.9627% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7083% | 499 |
| Memoranda: | ||
| Average total assets | $608,874,400 | 1,458 |
| Average earning assets | $587,198,200 | 1,413 |
| Average equity | $32,104,400 | 2,239 |
| Average total loans | $178,959,000 | 2,385 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4690% | 4,462 |
| Cost of funding earning assets | 0.1729% | 3,594 |
| Net interest margin | 2.2961% | 4,408 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.2439% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7913% | 3,298 |
| Return on assets (ROA) | 0.8723% | 2,962 |
| Pretax return on assets | 0.8836% | 3,365 |
| Return on Equity (ROE) | 15.4800% | 1,083 |
| Retained earnings to average equity (ytd only) | 10.1790% | 1,293 |
| Net charge-offs to loans | -0.0529% | 4,322 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.6733% | 1,311 |
| Assets per employee ($millions) | 5.7738% | 2,961 |
| Cash dividends to net income (ytd only)* | 34.2643% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 1,942 |
| Loan loss allowance to noncurrent loans | 937.3541% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 1,724 |
| Noncurrent loans to loans | 0.1408% | 2,920 |
| Net loans and leases to total assets | 30.8800% | 4,398 |
| Net loans and leases to deposits | 34.3514% | 4,412 |
| Net loans and leases to core deposits | 36.5935% | 4,384 |
| Total domestic deposits to total assets | 89.9000% | 1,708 |
| Equity capital to assets | 3.2180% | 4,575 |
| Core capital (leverage) ratio | 8.6198% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0335% | 431 |
| Memoranda: | ||
| Average total assets | $612,913,250 | 1,457 |
| Average earning assets | $591,424,250 | 1,415 |
| Average equity | $34,527,750 | 2,162 |
| Average total loans | $176,541,500 | 2,403 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3707% | 4,476 |
| Cost of funding earning assets | 0.1516% | 3,552 |
| Net interest margin | 2.2191% | 4,406 |
| Noninterest income to average assets | 0.8439% | 959 |
| Noninterest expense to average assets | 2.1463% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8301% | 2,852 |
| Return on assets (ROA) | 0.8330% | 2,818 |
| Pretax return on assets | 0.8432% | 3,226 |
| Return on Equity (ROE) | 13.0412% | 1,373 |
| Retained earnings to average equity (ytd only) | 8.6070% | 1,397 |
| Net charge-offs to loans | -0.0539% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8632% | 1,744 |
| Assets per employee ($millions) | 5.8882% | 2,842 |
| Cash dividends to net income (ytd only)* | 34.0015% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,073 |
| Loan loss allowance to noncurrent loans | 691.5942% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 1,782 |
| Noncurrent loans to loans | 0.1916% | 2,746 |
| Net loans and leases to total assets | 29.0178% | 4,490 |
| Net loans and leases to deposits | 32.2466% | 4,492 |
| Net loans and leases to core deposits | 34.0889% | 4,477 |
| Total domestic deposits to total assets | 89.9871% | 1,712 |
| Equity capital to assets | 4.4945% | 4,558 |
| Core capital (leverage) ratio | 8.6341% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6495% | 439 |
| Memoranda: | ||
| Average total assets | $622,833,667 | 1,452 |
| Average earning assets | $601,417,333 | 1,402 |
| Average equity | $39,781,667 | 2,002 |
| Average total loans | $174,557,667 | 2,425 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2594% | 4,489 |
| Cost of funding earning assets | 0.1496% | 3,510 |
| Net interest margin | 2.1098% | 4,436 |
| Noninterest income to average assets | 0.8566% | 916 |
| Noninterest expense to average assets | 2.1762% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7108% | 3,016 |
| Return on assets (ROA) | 0.7165% | 2,984 |
| Pretax return on assets | 0.7248% | 3,321 |
| Return on Equity (ROE) | 9.8016% | 2,046 |
| Retained earnings to average equity (ytd only) | 7.4666% | 1,744 |
| Net charge-offs to loans | -0.0559% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1650% | 1,617 |
| Assets per employee ($millions) | 6.1153% | 2,693 |
| Cash dividends to net income (ytd only)* | 23.8222% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 2,172 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 26.8111% | 4,536 |
| Net loans and leases to deposits | 30.1314% | 4,550 |
| Net loans and leases to core deposits | 32.0453% | 4,531 |
| Total domestic deposits to total assets | 88.9805% | 2,092 |
| Equity capital to assets | 5.9053% | 4,605 |
| Core capital (leverage) ratio | 8.2699% | 4,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0560% | 430 |
| Memoranda: | ||
| Average total assets | $628,066,000 | 1,436 |
| Average earning assets | $606,896,000 | 1,398 |
| Average equity | $45,911,000 | 1,855 |
| Average total loans | $171,795,500 | 2,442 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6914% | 4,317 |
| Cost of funding earning assets | 0.1978% | 3,492 |
| Net interest margin | 2.4936% | 4,200 |
| Noninterest income to average assets | 1.2543% | 673 |
| Noninterest expense to average assets | 2.2120% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4292% | 1,183 |
| Return on assets (ROA) | 1.4292% | 1,255 |
| Pretax return on assets | 1.4470% | 1,888 |
| Return on Equity (ROE) | 15.1279% | 928 |
| Retained earnings to average equity (ytd only) | 10.3813% | 825 |
| Net charge-offs to loans | -0.0626% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4531% | 3,088 |
| Assets per employee ($millions) | 6.3875% | 2,417 |
| Cash dividends to net income (ytd only)* | 31.3764% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,165 |
| Loan loss allowance to noncurrent loans | 642.5824% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 2,043 |
| Noncurrent loans to loans | 0.2092% | 2,906 |
| Net loans and leases to total assets | 27.1442% | 4,592 |
| Net loans and leases to deposits | 31.9266% | 4,583 |
| Net loans and leases to core deposits | 34.0071% | 4,556 |
| Total domestic deposits to total assets | 85.0207% | 3,262 |
| Equity capital to assets | 8.6954% | 3,888 |
| Core capital (leverage) ratio | 8.1700% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5742% | 519 |
| Memoranda: | ||
| Average total assets | $598,324,800 | 1,454 |
| Average earning assets | $576,990,200 | 1,422 |
| Average equity | $56,524,600 | 1,598 |
| Average total loans | $174,190,200 | 2,428 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7322% | 4,375 |
| Cost of funding earning assets | 0.2076% | 3,535 |
| Net interest margin | 2.5247% | 4,233 |
| Noninterest income to average assets | 1.3254% | 672 |
| Noninterest expense to average assets | 2.2081% | 3,044 |
| Loan and lease loss provision to assets | 0.0543% | 1,895 |
| Net operating income to assets | 1.4798% | 1,321 |
| Return on assets (ROA) | 1.4798% | 1,371 |
| Pretax return on assets | 1.4960% | 2,000 |
| Return on Equity (ROE) | 15.3364% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.4917% | 949 |
| Net charge-offs to loans | -0.0650% | 4,457 |
| Credit loss provision to net charge-offs | -282.3529% | 3,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7514% | 3,161 |
| Assets per employee ($millions) | 6.1023% | 2,588 |
| Cash dividends to net income (ytd only)* | 25.0687% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5179% | 1,559 |
| Loan loss allowance to noncurrent loans | 308.5749% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 1,951 |
| Noncurrent loans to loans | 0.4919% | 2,077 |
| Net loans and leases to total assets | 26.3743% | 4,693 |
| Net loans and leases to deposits | 31.5641% | 4,680 |
| Net loans and leases to core deposits | 33.6672% | 4,663 |
| Total domestic deposits to total assets | 83.5579% | 3,570 |
| Equity capital to assets | 9.2422% | 3,610 |
| Core capital (leverage) ratio | 8.2615% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7897% | 498 |
| Memoranda: | ||
| Average total assets | $589,814,250 | 1,490 |
| Average earning assets | $568,406,250 | 1,450 |
| Average equity | $56,909,000 | 1,603 |
| Average total loans | $174,240,250 | 2,470 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7136% | 4,443 |
| Cost of funding earning assets | 0.2198% | 3,561 |
| Net interest margin | 2.4938% | 4,314 |
| Noninterest income to average assets | 1.4349% | 591 |
| Noninterest expense to average assets | 2.2548% | 2,902 |
| Loan and lease loss provision to assets | 0.0832% | 1,473 |
| Net operating income to assets | 1.4865% | 1,331 |
| Return on assets (ROA) | 1.4865% | 1,388 |
| Pretax return on assets | 1.5001% | 2,016 |
| Return on Equity (ROE) | 15.1746% | 1,115 |
| Retained earnings to average equity (ytd only) | 11.3704% | 1,041 |
| Net charge-offs to loans | -0.0522% | 4,393 |
| Credit loss provision to net charge-offs | -521.7391% | 3,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7481% | 3,181 |
| Assets per employee ($millions) | 5.9321% | 2,685 |
| Cash dividends to net income (ytd only)* | 25.0700% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,789 |
| Loan loss allowance to noncurrent loans | 319.6950% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3901% | 2,044 |
| Noncurrent loans to loans | 0.4522% | 2,322 |
| Net loans and leases to total assets | 28.9145% | 4,684 |
| Net loans and leases to deposits | 34.9072% | 4,656 |
| Net loans and leases to core deposits | 37.0405% | 4,649 |
| Total domestic deposits to total assets | 82.8323% | 3,740 |
| Equity capital to assets | 9.6938% | 3,152 |
| Core capital (leverage) ratio | 8.3202% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4197% | 517 |
| Memoranda: | ||
| Average total assets | $576,908,000 | 1,507 |
| Average earning assets | $555,944,000 | 1,469 |
| Average equity | $56,515,333 | 1,609 |
| Average total loans | $176,211,667 | 2,465 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6736% | 4,507 |
| Cost of funding earning assets | 0.2379% | 3,581 |
| Net interest margin | 2.4358% | 4,378 |
| Noninterest income to average assets | 1.6675% | 506 |
| Noninterest expense to average assets | 2.3005% | 2,793 |
| Loan and lease loss provision to assets | 0.0844% | 1,547 |
| Net operating income to assets | 1.6148% | 1,103 |
| Return on assets (ROA) | 1.6148% | 1,154 |
| Pretax return on assets | 1.6302% | 1,653 |
| Return on Equity (ROE) | 16.3940% | 947 |
| Retained earnings to average equity (ytd only) | 12.7953% | 961 |
| Net charge-offs to loans | -0.0384% | 4,286 |
| Credit loss provision to net charge-offs | -705.8824% | 3,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2955% | 3,394 |
| Assets per employee ($millions) | 5.9619% | 2,637 |
| Cash dividends to net income (ytd only)* | 21.9512% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,348 |
| Loan loss allowance to noncurrent loans | 293.6725% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 2,166 |
| Noncurrent loans to loans | 0.4493% | 2,511 |
| Net loans and leases to total assets | 30.3014% | 4,687 |
| Net loans and leases to deposits | 36.0014% | 4,679 |
| Net loans and leases to core deposits | 38.1235% | 4,668 |
| Total domestic deposits to total assets | 84.1672% | 3,383 |
| Equity capital to assets | 9.3537% | 3,329 |
| Core capital (leverage) ratio | 8.4402% | 4,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4863% | 555 |
| Memoranda: | ||
| Average total assets | $568,756,000 | 1,517 |
| Average earning assets | $548,167,500 | 1,477 |
| Average equity | $56,020,500 | 1,606 |
| Average total loans | $177,297,500 | 2,456 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 4,583 |
| Cost of funding earning assets | 0.4481% | 3,293 |
| Net interest margin | 2.6234% | 4,469 |
| Noninterest income to average assets | 1.7354% | 418 |
| Noninterest expense to average assets | 2.5185% | 2,787 |
| Loan and lease loss provision to assets | 0.0391% | 3,916 |
| Net operating income to assets | 1.6721% | 535 |
| Return on assets (ROA) | 1.6721% | 580 |
| Pretax return on assets | 1.6934% | 864 |
| Return on Equity (ROE) | 16.3677% | 467 |
| Retained earnings to average equity (ytd only) | 8.8733% | 802 |
| Net charge-offs to loans | 0.0012% | 3,381 |
| Credit loss provision to net charge-offs | 10,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 4,427.5000% | 20 |
| Efficiency ratio | 59.2443% | 3,561 |
| Assets per employee ($millions) | 5.4777% | 2,864 |
| Cash dividends to net income (ytd only)* | 45.7875% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,552 |
| Loan loss allowance to noncurrent loans | 681.9572% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 2,555 |
| Noncurrent loans to loans | 0.1867% | 3,545 |
| Net loans and leases to total assets | 31.2622% | 4,726 |
| Net loans and leases to deposits | 37.5104% | 4,708 |
| Net loans and leases to core deposits | 40.3893% | 4,685 |
| Total domestic deposits to total assets | 83.3429% | 3,315 |
| Equity capital to assets | 10.3734% | 2,779 |
| Core capital (leverage) ratio | 8.3500% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9100% | 669 |
| Memoranda: | ||
| Average total assets | $511,107,800 | 1,514 |
| Average earning assets | $490,084,800 | 1,476 |
| Average equity | $52,212,600 | 1,621 |
| Average total loans | $168,356,800 | 2,499 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0949% | 4,667 |
| Cost of funding earning assets | 0.4876% | 3,309 |
| Net interest margin | 2.6073% | 4,565 |
| Noninterest income to average assets | 1.6836% | 412 |
| Noninterest expense to average assets | 2.5613% | 2,657 |
| Loan and lease loss provision to assets | 0.0266% | 4,006 |
| Net operating income to assets | 1.5744% | 775 |
| Return on assets (ROA) | 1.5744% | 848 |
| Pretax return on assets | 1.5923% | 1,207 |
| Return on Equity (ROE) | 15.4781% | 615 |
| Retained earnings to average equity (ytd only) | 8.7511% | 1,054 |
| Net charge-offs to loans | -0.0472% | 4,657 |
| Credit loss provision to net charge-offs | -169.4915% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2718% | 3,181 |
| Assets per employee ($millions) | 5.4039% | 2,791 |
| Cash dividends to net income (ytd only)* | 43.4613% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 2,376 |
| Loan loss allowance to noncurrent loans | 10,955.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 2,799 |
| Noncurrent loans to loans | 0.0115% | 4,397 |
| Net loans and leases to total assets | 32.2127% | 4,785 |
| Net loans and leases to deposits | 38.8766% | 4,779 |
| Net loans and leases to core deposits | 42.0499% | 4,743 |
| Total domestic deposits to total assets | 82.8590% | 3,179 |
| Equity capital to assets | 10.4812% | 2,807 |
| Core capital (leverage) ratio | 8.3743% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2255% | 565 |
| Memoranda: | ||
| Average total assets | $500,572,500 | 1,527 |
| Average earning assets | $479,306,750 | 1,484 |
| Average equity | $50,918,000 | 1,661 |
| Average total loans | $166,649,000 | 2,517 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 4,705 |
| Cost of funding earning assets | 0.5308% | 3,344 |
| Net interest margin | 2.6878% | 4,565 |
| Noninterest income to average assets | 1.6132% | 402 |
| Noninterest expense to average assets | 2.5896% | 2,698 |
| Loan and lease loss provision to assets | 0.0164% | 4,027 |
| Net operating income to assets | 1.5592% | 829 |
| Return on assets (ROA) | 1.5592% | 901 |
| Pretax return on assets | 1.5768% | 1,273 |
| Return on Equity (ROE) | 15.5001% | 636 |
| Retained earnings to average equity (ytd only) | 7.3456% | 1,521 |
| Net charge-offs to loans | -0.0463% | 4,666 |
| Credit loss provision to net charge-offs | -105.2632% | 3,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9122% | 3,141 |
| Assets per employee ($millions) | 5.1062% | 3,060 |
| Cash dividends to net income (ytd only)* | 52.6095% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,471 |
| Loan loss allowance to noncurrent loans | 10,550.0000% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 2,900 |
| Noncurrent loans to loans | 0.0115% | 4,469 |
| Net loans and leases to total assets | 33.1171% | 4,800 |
| Net loans and leases to deposits | 38.9334% | 4,815 |
| Net loans and leases to core deposits | 42.1392% | 4,791 |
| Total domestic deposits to total assets | 85.0608% | 2,370 |
| Equity capital to assets | 10.3088% | 2,919 |
| Core capital (leverage) ratio | 8.3856% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1091% | 659 |
| Memoranda: | ||
| Average total assets | $489,101,000 | 1,532 |
| Average earning assets | $467,593,333 | 1,489 |
| Average equity | $49,199,667 | 1,695 |
| Average total loans | $164,023,667 | 2,532 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 4,665 |
| Cost of funding earning assets | 0.5950% | 3,465 |
| Net interest margin | 2.8707% | 4,476 |
| Noninterest income to average assets | 1.1910% | 617 |
| Noninterest expense to average assets | 2.5527% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3710% | 1,056 |
| Return on assets (ROA) | 1.3710% | 1,135 |
| Pretax return on assets | 1.3828% | 1,617 |
| Return on Equity (ROE) | 13.8179% | 735 |
| Retained earnings to average equity (ytd only) | 6.9942% | 1,538 |
| Net charge-offs to loans | -0.0302% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8625% | 3,104 |
| Assets per employee ($millions) | 4.8227% | 2,849 |
| Cash dividends to net income (ytd only)* | 49.3835% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 2,930 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 32.3390% | 4,857 |
| Net loans and leases to deposits | 37.5423% | 4,882 |
| Net loans and leases to core deposits | 41.1875% | 4,857 |
| Total domestic deposits to total assets | 86.1400% | 1,948 |
| Equity capital to assets | 10.4140% | 3,397 |
| Core capital (leverage) ratio | 8.8587% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6852% | 782 |
| Memoranda: | ||
| Average total assets | $473,233,000 | 1,527 |
| Average earning assets | $452,432,000 | 1,488 |
| Average equity | $46,953,500 | 1,760 |
| Average total loans | $158,737,500 | 2,553 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 4,942 |
| Cost of funding earning assets | 0.6193% | 3,563 |
| Net interest margin | 2.7225% | 4,824 |
| Noninterest income to average assets | 1.1554% | 702 |
| Noninterest expense to average assets | 2.5450% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1965% | 2,070 |
| Return on assets (ROA) | 1.1777% | 2,240 |
| Pretax return on assets | 1.1906% | 2,871 |
| Return on Equity (ROE) | 12.8839% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.1388% | 1,802 |
| Net charge-offs to loans | -0.0439% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7842% | 2,493 |
| Assets per employee ($millions) | 4.7859% | 2,856 |
| Cash dividends to net income (ytd only)* | 52.3533% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,109 |
| Loan loss allowance to noncurrent loans | 2,605.1282% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 2,718 |
| Noncurrent loans to loans | 0.0484% | 4,354 |
| Net loans and leases to total assets | 33.9001% | 4,900 |
| Net loans and leases to deposits | 39.7625% | 4,911 |
| Net loans and leases to core deposits | 43.8832% | 4,876 |
| Total domestic deposits to total assets | 85.2563% | 2,393 |
| Equity capital to assets | 9.4208% | 4,411 |
| Core capital (leverage) ratio | 8.7867% | 4,674 |
| Tier 1 risk-based capital ratio | 18.8130% | 1,566 |
| Total risk-based capital ratio | 19.7520% | 1,606 |
| Memoranda: | ||
| Average total assets | $452,815,800 | 1,546 |
| Average earning assets | $432,280,600 | 1,495 |
| Average equity | $41,392,600 | 1,873 |
| Average total loans | $161,795,200 | 2,492 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3225% | 5,058 |
| Cost of funding earning assets | 0.6083% | 3,651 |
| Net interest margin | 2.7142% | 4,929 |
| Noninterest income to average assets | 1.1118% | 732 |
| Noninterest expense to average assets | 2.5566% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1346% | 2,435 |
| Return on assets (ROA) | 1.1346% | 2,523 |
| Pretax return on assets | 1.1453% | 3,150 |
| Return on Equity (ROE) | 12.5124% | 1,438 |
| Retained earnings to average equity (ytd only) | 6.1563% | 2,297 |
| Net charge-offs to loans | -0.0362% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0610% | 2,249 |
| Assets per employee ($millions) | 4.8356% | 2,750 |
| Cash dividends to net income (ytd only)* | 50.7986% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,381 |
| Loan loss allowance to noncurrent loans | 1,345.6376% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 2,885 |
| Noncurrent loans to loans | 0.0910% | 4,243 |
| Net loans and leases to total assets | 34.8539% | 4,971 |
| Net loans and leases to deposits | 41.5801% | 4,963 |
| Net loans and leases to core deposits | 45.5706% | 4,929 |
| Total domestic deposits to total assets | 83.8234% | 2,886 |
| Equity capital to assets | 9.6516% | 4,335 |
| Core capital (leverage) ratio | 8.8119% | 4,767 |
| Tier 1 risk-based capital ratio | 18.8969% | 1,585 |
| Total risk-based capital ratio | 19.8430% | 1,634 |
| Memoranda: | ||
| Average total assets | $448,766,250 | 1,566 |
| Average earning assets | $428,256,250 | 1,524 |
| Average equity | $40,694,500 | 1,909 |
| Average total loans | $161,987,000 | 2,514 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2959% | 5,124 |
| Cost of funding earning assets | 0.5869% | 3,718 |
| Net interest margin | 2.7091% | 4,994 |
| Noninterest income to average assets | 1.0491% | 784 |
| Noninterest expense to average assets | 2.5707% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0545% | 2,703 |
| Return on assets (ROA) | 1.0545% | 2,769 |
| Pretax return on assets | 1.0653% | 3,336 |
| Return on Equity (ROE) | 11.8958% | 1,618 |
| Retained earnings to average equity (ytd only) | 5.4775% | 2,531 |
| Net charge-offs to loans | -0.0285% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7006% | 2,122 |
| Assets per employee ($millions) | 4.5170% | 3,115 |
| Cash dividends to net income (ytd only)* | 53.9547% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,364 |
| Loan loss allowance to noncurrent loans | 1,331.5436% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 2,838 |
| Noncurrent loans to loans | 0.0923% | 4,270 |
| Net loans and leases to total assets | 35.2892% | 5,000 |
| Net loans and leases to deposits | 41.6108% | 5,006 |
| Net loans and leases to core deposits | 45.2412% | 4,979 |
| Total domestic deposits to total assets | 84.8077% | 2,563 |
| Equity capital to assets | 9.4259% | 4,478 |
| Core capital (leverage) ratio | 8.8520% | 4,755 |
| Tier 1 risk-based capital ratio | 18.8000% | 1,601 |
| Total risk-based capital ratio | 19.7503% | 1,634 |
| Memoranda: | ||
| Average total assets | $443,616,670 | 1,580 |
| Average earning assets | $423,611,670 | 1,541 |
| Average equity | $39,324,670 | 1,963 |
| Average total loans | $161,382,000 | 2,522 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 5,192 |
| Cost of funding earning assets | 0.5674% | 3,747 |
| Net interest margin | 2.6854% | 5,079 |
| Noninterest income to average assets | 0.9700% | 878 |
| Noninterest expense to average assets | 2.6198% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9072% | 3,209 |
| Return on assets (ROA) | 0.9072% | 3,255 |
| Pretax return on assets | 0.9173% | 3,709 |
| Return on Equity (ROE) | 10.5787% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.9897% | 1,663 |
| Net charge-offs to loans | -0.0099% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0674% | 1,748 |
| Assets per employee ($millions) | 4.5740% | 3,084 |
| Cash dividends to net income (ytd only)* | 24.4734% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,327 |
| Loan loss allowance to noncurrent loans | 1,318.7919% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 2,883 |
| Noncurrent loans to loans | 0.0948% | 4,321 |
| Net loans and leases to total assets | 34.9906% | 5,049 |
| Net loans and leases to deposits | 40.5195% | 5,073 |
| Net loans and leases to core deposits | 43.4106% | 5,052 |
| Total domestic deposits to total assets | 86.3548% | 2,126 |
| Equity capital to assets | 8.7657% | 4,849 |
| Core capital (leverage) ratio | 8.8735% | 4,739 |
| Tier 1 risk-based capital ratio | 18.9625% | 1,549 |
| Total risk-based capital ratio | 19.9198% | 1,575 |
| Memoranda: | ||
| Average total assets | $439,574,000 | 1,599 |
| Average earning assets | $420,192,500 | 1,558 |
| Average equity | $37,698,500 | 2,029 |
| Average total loans | $161,380,000 | 2,551 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0519% | 5,210 |
| Cost of funding earning assets | 0.4211% | 3,853 |
| Net interest margin | 2.6308% | 5,141 |
| Noninterest income to average assets | 1.0848% | 790 |
| Noninterest expense to average assets | 2.5278% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0502% | 2,804 |
| Return on assets (ROA) | 1.0186% | 2,918 |
| Pretax return on assets | 1.0270% | 3,521 |
| Return on Equity (ROE) | 12.0430% | 1,701 |
| Retained earnings to average equity (ytd only) | -3.2854% | 5,186 |
| Net charge-offs to loans | -0.0328% | 4,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4755% | 2,108 |
| Assets per employee ($millions) | 4.3987% | 3,311 |
| Cash dividends to net income (ytd only)* | 127.2809% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,651 |
| Loan loss allowance to noncurrent loans | 1,316.1074% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,823 |
| Noncurrent loans to loans | 0.0900% | 4,345 |
| Net loans and leases to total assets | 37.5660% | 5,027 |
| Net loans and leases to deposits | 43.7054% | 5,032 |
| Net loans and leases to core deposits | 46.0520% | 5,039 |
| Total domestic deposits to total assets | 85.9528% | 2,257 |
| Equity capital to assets | 8.3830% | 5,001 |
| Core capital (leverage) ratio | 8.8153% | 4,802 |
| Tier 1 risk-based capital ratio | 17.7672% | 1,824 |
| Total risk-based capital ratio | 18.6810% | 1,874 |
| Memoranda: | ||
| Average total assets | $437,968,800 | 1,569 |
| Average earning assets | $416,529,800 | 1,536 |
| Average equity | $37,042,200 | 1,984 |
| Average total loans | $161,356,400 | 2,507 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 5,291 |
| Cost of funding earning assets | 0.3961% | 3,889 |
| Net interest margin | 2.5959% | 5,220 |
| Noninterest income to average assets | 1.0834% | 803 |
| Noninterest expense to average assets | 2.5083% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0314% | 2,954 |
| Return on assets (ROA) | 1.0223% | 3,009 |
| Pretax return on assets | 1.0324% | 3,628 |
| Return on Equity (ROE) | 12.0612% | 1,771 |
| Retained earnings to average equity (ytd only) | 2.4495% | 4,422 |
| Net charge-offs to loans | -0.0341% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6603% | 2,095 |
| Assets per employee ($millions) | 4.5166% | 3,096 |
| Cash dividends to net income (ytd only)* | 79.6906% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,667 |
| Loan loss allowance to noncurrent loans | 2,498.7179% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 3,009 |
| Noncurrent loans to loans | 0.0477% | 4,683 |
| Net loans and leases to total assets | 37.2714% | 5,100 |
| Net loans and leases to deposits | 43.7596% | 5,118 |
| Net loans and leases to core deposits | 46.2372% | 5,103 |
| Total domestic deposits to total assets | 85.1731% | 2,537 |
| Equity capital to assets | 8.3807% | 4,991 |
| Core capital (leverage) ratio | 9.2541% | 4,453 |
| Tier 1 risk-based capital ratio | 18.4887% | 1,674 |
| Total risk-based capital ratio | 19.3889% | 1,708 |
| Memoranda: | ||
| Average total assets | $438,592,500 | 1,577 |
| Average earning assets | $416,697,250 | 1,546 |
| Average equity | $37,176,250 | 1,978 |
| Average total loans | $160,307,750 | 2,532 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9189% | 5,362 |
| Cost of funding earning assets | 0.3793% | 3,878 |
| Net interest margin | 2.5396% | 5,316 |
| Noninterest income to average assets | 1.0994% | 799 |
| Noninterest expense to average assets | 2.4640% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0406% | 2,849 |
| Return on assets (ROA) | 1.0289% | 2,902 |
| Pretax return on assets | 1.0385% | 3,545 |
| Return on Equity (ROE) | 12.0943% | 1,690 |
| Retained earnings to average equity (ytd only) | 4.3625% | 3,416 |
| Net charge-offs to loans | -0.0239% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1138% | 2,293 |
| Assets per employee ($millions) | 4.4974% | 3,135 |
| Cash dividends to net income (ytd only)* | 63.9294% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,707 |
| Loan loss allowance to noncurrent loans | 1,088.7006% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 2,694 |
| Noncurrent loans to loans | 0.1103% | 4,415 |
| Net loans and leases to total assets | 36.3427% | 5,169 |
| Net loans and leases to deposits | 42.2118% | 5,188 |
| Net loans and leases to core deposits | 44.5827% | 5,186 |
| Total domestic deposits to total assets | 86.0960% | 2,235 |
| Equity capital to assets | 8.5226% | 4,925 |
| Core capital (leverage) ratio | 9.2603% | 4,403 |
| Tier 1 risk-based capital ratio | 19.7155% | 1,375 |
| Total risk-based capital ratio | 20.6614% | 1,412 |
| Memoranda: | ||
| Average total assets | $440,260,000 | 1,583 |
| Average earning assets | $418,647,000 | 1,546 |
| Average equity | $37,455,670 | 1,969 |
| Average total loans | $159,225,670 | 2,552 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8753% | 5,422 |
| Cost of funding earning assets | 0.3689% | 3,840 |
| Net interest margin | 2.5064% | 5,390 |
| Noninterest income to average assets | 1.0709% | 806 |
| Noninterest expense to average assets | 2.4863% | 3,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9630% | 3,018 |
| Return on assets (ROA) | 0.9397% | 3,124 |
| Pretax return on assets | 0.9451% | 3,718 |
| Return on Equity (ROE) | 11.0551% | 1,948 |
| Retained earnings to average equity (ytd only) | 8.5547% | 1,637 |
| Net charge-offs to loans | -0.0025% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9634% | 2,200 |
| Assets per employee ($millions) | 4.6959% | 2,857 |
| Cash dividends to net income (ytd only)* | 22.6179% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,670 |
| Loan loss allowance to noncurrent loans | 1,403.6765% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 2,868 |
| Noncurrent loans to loans | 0.0871% | 4,592 |
| Net loans and leases to total assets | 34.9488% | 5,243 |
| Net loans and leases to deposits | 39.8690% | 5,266 |
| Net loans and leases to core deposits | 41.9823% | 5,267 |
| Total domestic deposits to total assets | 87.6589% | 1,810 |
| Equity capital to assets | 8.4375% | 5,023 |
| Core capital (leverage) ratio | 9.0981% | 4,571 |
| Tier 1 risk-based capital ratio | 20.2833% | 1,298 |
| Total risk-based capital ratio | 21.2477% | 1,317 |
| Memoranda: | ||
| Average total assets | $442,265,000 | 1,584 |
| Average earning assets | $420,684,000 | 1,551 |
| Average equity | $37,593,500 | 1,973 |
| Average total loans | $158,602,500 | 2,586 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7426% | 5,479 |
| Cost of funding earning assets | 0.3511% | 3,708 |
| Net interest margin | 2.3915% | 5,466 |
| Noninterest income to average assets | 1.1116% | 824 |
| Noninterest expense to average assets | 2.4211% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9537% | 2,429 |
| Return on assets (ROA) | 0.9388% | 2,541 |
| Pretax return on assets | 0.9498% | 3,738 |
| Return on Equity (ROE) | 10.6530% | 1,613 |
| Retained earnings to average equity (ytd only) | 0.9389% | 4,644 |
| Net charge-offs to loans | -0.0351% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5040% | 2,303 |
| Assets per employee ($millions) | 4.6158% | 3,006 |
| Cash dividends to net income (ytd only)* | 91.1865% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,864 |
| Loan loss allowance to noncurrent loans | 1,247.0588% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.5019% | 2,883 |
| Noncurrent loans to loans | 0.0950% | 4,567 |
| Net loans and leases to total assets | 35.9092% | 5,288 |
| Net loans and leases to deposits | 41.4452% | 5,308 |
| Net loans and leases to core deposits | 43.8588% | 5,298 |
| Total domestic deposits to total assets | 86.6426% | 2,174 |
| Equity capital to assets | 8.5627% | 5,075 |
| Core capital (leverage) ratio | 8.9162% | 4,739 |
| Tier 1 risk-based capital ratio | 19.2479% | 1,462 |
| Total risk-based capital ratio | 20.1820% | 1,480 |
| Memoranda: | ||
| Average total assets | $436,321,800 | 1,585 |
| Average earning assets | $414,967,200 | 1,547 |
| Average equity | $38,449,200 | 1,916 |
| Average total loans | $159,439,400 | 2,554 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7218% | 5,552 |
| Cost of funding earning assets | 0.3494% | 3,674 |
| Net interest margin | 2.3724% | 5,543 |
| Noninterest income to average assets | 1.1019% | 839 |
| Noninterest expense to average assets | 2.4072% | 3,999 |
| Loan and lease loss provision to assets | 0.0552% | 2,987 |
| Net operating income to assets | 0.8882% | 3,082 |
| Return on assets (ROA) | 0.8985% | 3,088 |
| Pretax return on assets | 0.9096% | 4,010 |
| Return on Equity (ROE) | 10.1236% | 2,076 |
| Retained earnings to average equity (ytd only) | -0.4320% | 5,278 |
| Net charge-offs to loans | -0.0428% | 5,113 |
| Credit loss provision to net charge-offs | -352.9412% | 4,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6098% | 2,261 |
| Assets per employee ($millions) | 4.6395% | 2,918 |
| Cash dividends to net income (ytd only)* | 104.2676% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,305 |
| Loan loss allowance to noncurrent loans | 4,339.5833% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 3,159 |
| Noncurrent loans to loans | 0.0302% | 4,988 |
| Net loans and leases to total assets | 35.1863% | 5,377 |
| Net loans and leases to deposits | 41.7636% | 5,372 |
| Net loans and leases to core deposits | 43.9210% | 5,367 |
| Total domestic deposits to total assets | 84.2511% | 3,022 |
| Equity capital to assets | 8.6740% | 5,168 |
| Core capital (leverage) ratio | 8.9868% | 4,759 |
| Tier 1 risk-based capital ratio | 19.4347% | 1,495 |
| Total risk-based capital ratio | 20.4773% | 1,492 |
| Memoranda: | ||
| Average total assets | $434,622,750 | 1,601 |
| Average earning assets | $413,973,750 | 1,564 |
| Average equity | $38,575,750 | 1,930 |
| Average total loans | $159,042,250 | 2,576 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7293% | 5,587 |
| Cost of funding earning assets | 0.3539% | 3,540 |
| Net interest margin | 2.3754% | 5,582 |
| Noninterest income to average assets | 1.0616% | 895 |
| Noninterest expense to average assets | 2.4239% | 3,983 |
| Loan and lease loss provision to assets | 0.0557% | 2,858 |
| Net operating income to assets | 0.8326% | 3,237 |
| Return on assets (ROA) | 0.8482% | 3,212 |
| Pretax return on assets | 0.8589% | 4,075 |
| Return on Equity (ROE) | 9.4821% | 2,281 |
| Retained earnings to average equity (ytd only) | 0.3839% | 4,998 |
| Net charge-offs to loans | -0.0452% | 5,133 |
| Credit loss provision to net charge-offs | -333.3333% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9507% | 2,196 |
| Assets per employee ($millions) | 4.4070% | 3,262 |
| Cash dividends to net income (ytd only)* | 95.9519% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,712 |
| Loan loss allowance to noncurrent loans | 865.5172% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 2,702 |
| Noncurrent loans to loans | 0.1440% | 4,544 |
| Net loans and leases to total assets | 36.8392% | 5,347 |
| Net loans and leases to deposits | 43.3448% | 5,355 |
| Net loans and leases to core deposits | 45.7441% | 5,346 |
| Total domestic deposits to total assets | 84.9911% | 2,814 |
| Equity capital to assets | 9.0614% | 4,837 |
| Core capital (leverage) ratio | 9.1458% | 4,562 |
| Tier 1 risk-based capital ratio | 19.7982% | 1,411 |
| Total risk-based capital ratio | 20.8169% | 1,415 |
| Memoranda: | ||
| Average total assets | $431,034,000 | 1,617 |
| Average earning assets | $410,295,670 | 1,579 |
| Average equity | $38,556,670 | 1,932 |
| Average total loans | $159,123,330 | 2,575 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6802% | 5,653 |
| Cost of funding earning assets | 0.3582% | 3,439 |
| Net interest margin | 2.3220% | 5,650 |
| Noninterest income to average assets | 1.0283% | 952 |
| Noninterest expense to average assets | 2.4561% | 3,945 |
| Loan and lease loss provision to assets | 0.0557% | 2,692 |
| Net operating income to assets | 0.7182% | 3,624 |
| Return on assets (ROA) | 0.7283% | 3,620 |
| Pretax return on assets | 0.7366% | 4,321 |
| Return on Equity (ROE) | 8.1949% | 2,814 |
| Retained earnings to average equity (ytd only) | 5.2473% | 2,757 |
| Net charge-offs to loans | -0.0329% | 4,975 |
| Credit loss provision to net charge-offs | -461.5385% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8462% | 1,929 |
| Assets per employee ($millions) | 4.5777% | 3,042 |
| Cash dividends to net income (ytd only)* | 35.9694% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,909 |
| Loan loss allowance to noncurrent loans | 2,436.7089% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,776 |
| Noncurrent loans to loans | 0.0507% | 4,987 |
| Net loans and leases to total assets | 35.7554% | 5,410 |
| Net loans and leases to deposits | 41.3780% | 5,428 |
| Net loans and leases to core deposits | 43.7377% | 5,421 |
| Total domestic deposits to total assets | 86.4114% | 2,491 |
| Equity capital to assets | 8.9718% | 4,834 |
| Core capital (leverage) ratio | 9.1785% | 4,513 |
| Tier 1 risk-based capital ratio | 19.9978% | 1,391 |
| Total risk-based capital ratio | 20.9735% | 1,418 |
| Memoranda: | ||
| Average total assets | $430,608,500 | 1,634 |
| Average earning assets | $409,815,500 | 1,593 |
| Average equity | $38,267,500 | 1,950 |
| Average total loans | $158,129,500 | 2,603 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6598% | 5,702 |
| Cost of funding earning assets | 0.3876% | 3,130 |
| Net interest margin | 2.2723% | 5,722 |
| Noninterest income to average assets | 1.2484% | 732 |
| Noninterest expense to average assets | 2.4475% | 4,172 |
| Loan and lease loss provision to assets | 0.0565% | 3,251 |
| Net operating income to assets | 0.8934% | 2,863 |
| Return on assets (ROA) | 0.8945% | 2,974 |
| Pretax return on assets | 0.9030% | 3,844 |
| Return on Equity (ROE) | 9.7852% | 2,060 |
| Retained earnings to average equity (ytd only) | 3.1672% | 3,657 |
| Net charge-offs to loans | 0.0721% | 2,668 |
| Credit loss provision to net charge-offs | 210.5263% | 1,351 |
| Earnings coverage of net charge-offs (x) | 35.6842% | 1,278 |
| Efficiency ratio | 71.8614% | 2,607 |
| Assets per employee ($millions) | 4.5359% | 3,064 |
| Cash dividends to net income (ytd only)* | 67.6323% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,406 |
| Loan loss allowance to noncurrent loans | 1,870.7071% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,938 |
| Noncurrent loans to loans | 0.0617% | 4,991 |
| Net loans and leases to total assets | 36.8114% | 5,459 |
| Net loans and leases to deposits | 43.3052% | 5,451 |
| Net loans and leases to core deposits | 46.1503% | 5,423 |
| Total domestic deposits to total assets | 85.0047% | 3,044 |
| Equity capital to assets | 8.8020% | 5,008 |
| Core capital (leverage) ratio | 9.1041% | 4,611 |
| Tier 1 risk-based capital ratio | 19.1238% | 1,562 |
| Total risk-based capital ratio | 20.0338% | 1,628 |
| Memoranda: | ||
| Average total assets | $424,468,400 | 1,604 |
| Average earning assets | $403,036,000 | 1,556 |
| Average equity | $38,803,600 | 1,892 |
| Average total loans | $158,210,400 | 2,539 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6413% | 5,783 |
| Cost of funding earning assets | 0.3924% | 3,099 |
| Net interest margin | 2.2489% | 5,798 |
| Noninterest income to average assets | 1.2697% | 720 |
| Noninterest expense to average assets | 2.4610% | 4,104 |
| Loan and lease loss provision to assets | 0.0568% | 3,105 |
| Net operating income to assets | 0.8791% | 3,014 |
| Return on assets (ROA) | 0.8791% | 3,138 |
| Pretax return on assets | 0.8879% | 4,021 |
| Return on Equity (ROE) | 9.5259% | 2,263 |
| Retained earnings to average equity (ytd only) | 4.1377% | 3,369 |
| Net charge-offs to loans | 0.1209% | 1,746 |
| Credit loss provision to net charge-offs | 125.8741% | 2,014 |
| Earnings coverage of net charge-offs (x) | 20.9513% | 1,839 |
| Efficiency ratio | 72.2618% | 2,540 |
| Assets per employee ($millions) | 4.5101% | 3,070 |
| Cash dividends to net income (ytd only)* | 56.5637% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,919 |
| Loan loss allowance to noncurrent loans | 234.7537% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 2,800 |
| Noncurrent loans to loans | 0.4619% | 3,629 |
| Net loans and leases to total assets | 37.9341% | 5,470 |
| Net loans and leases to deposits | 45.3841% | 5,476 |
| Net loans and leases to core deposits | 48.5817% | 5,432 |
| Total domestic deposits to total assets | 83.5845% | 3,359 |
| Equity capital to assets | 9.3377% | 4,834 |
| Core capital (leverage) ratio | 9.2211% | 4,557 |
| Tier 1 risk-based capital ratio | 19.3927% | 1,573 |
| Total risk-based capital ratio | 20.2716% | 1,627 |
| Memoranda: | ||
| Average total assets | $422,856,750 | 1,608 |
| Average earning assets | $401,617,000 | 1,558 |
| Average equity | $39,022,250 | 1,891 |
| Average total loans | $157,643,500 | 2,557 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6222% | 5,863 |
| Cost of funding earning assets | 0.3934% | 3,115 |
| Net interest margin | 2.2288% | 5,887 |
| Noninterest income to average assets | 1.3283% | 644 |
| Noninterest expense to average assets | 2.4625% | 4,143 |
| Loan and lease loss provision to assets | 0.0568% | 3,002 |
| Net operating income to assets | 0.9169% | 2,783 |
| Return on assets (ROA) | 0.9169% | 2,914 |
| Pretax return on assets | 0.9250% | 3,857 |
| Return on Equity (ROE) | 9.9758% | 2,064 |
| Retained earnings to average equity (ytd only) | 3.8883% | 3,429 |
| Net charge-offs to loans | -0.0359% | 5,215 |
| Credit loss provision to net charge-offs | -428.5714% | 4,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4953% | 2,745 |
| Assets per employee ($millions) | 4.4418% | 3,130 |
| Cash dividends to net income (ytd only)* | 61.0222% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 3,384 |
| Loan loss allowance to noncurrent loans | 187.5876% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 2,640 |
| Noncurrent loans to loans | 0.6381% | 3,160 |
| Net loans and leases to total assets | 36.6559% | 5,580 |
| Net loans and leases to deposits | 43.1087% | 5,588 |
| Net loans and leases to core deposits | 46.1997% | 5,555 |
| Total domestic deposits to total assets | 85.0313% | 2,867 |
| Equity capital to assets | 9.3857% | 4,878 |
| Core capital (leverage) ratio | 9.0841% | 4,737 |
| Tier 1 risk-based capital ratio | 20.1924% | 1,414 |
| Total risk-based capital ratio | 21.1767% | 1,436 |
| Memoranda: | ||
| Average total assets | $422,493,000 | 1,607 |
| Average earning assets | $401,116,000 | 1,567 |
| Average equity | $38,834,000 | 1,900 |
| Average total loans | $155,996,670 | 2,577 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6190% | 5,928 |
| Cost of funding earning assets | 0.3930% | 3,159 |
| Net interest margin | 2.2261% | 5,954 |
| Noninterest income to average assets | 1.0540% | 974 |
| Noninterest expense to average assets | 2.4960% | 4,079 |
| Loan and lease loss provision to assets | 0.0568% | 2,808 |
| Net operating income to assets | 0.6065% | 4,150 |
| Return on assets (ROA) | 0.6065% | 4,271 |
| Pretax return on assets | 0.6131% | 4,780 |
| Return on Equity (ROE) | 6.6687% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.1485% | 2,306 |
| Net charge-offs to loans | -0.1002% | 5,637 |
| Credit loss provision to net charge-offs | -153.8462% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8404% | 1,777 |
| Assets per employee ($millions) | 4.4846% | 3,095 |
| Cash dividends to net income (ytd only)* | 7.8003% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,703 |
| Loan loss allowance to noncurrent loans | 275.2640% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 2,071 |
| Noncurrent loans to loans | 0.4221% | 3,930 |
| Net loans and leases to total assets | 36.8275% | 5,601 |
| Net loans and leases to deposits | 42.8826% | 5,631 |
| Net loans and leases to core deposits | 45.8150% | 5,597 |
| Total domestic deposits to total assets | 85.8798% | 2,720 |
| Equity capital to assets | 9.2681% | 4,926 |
| Core capital (leverage) ratio | 9.1116% | 4,721 |
| Tier 1 risk-based capital ratio | 19.5331% | 1,608 |
| Total risk-based capital ratio | 20.4643% | 1,647 |
| Memoranda: | ||
| Average total assets | $422,753,000 | 1,606 |
| Average earning assets | $401,063,000 | 1,565 |
| Average equity | $38,448,500 | 1,912 |
| Average total loans | $155,719,000 | 2,574 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5603% | 5,979 |
| Cost of funding earning assets | 0.3967% | 3,197 |
| Net interest margin | 2.1636% | 5,999 |
| Noninterest income to average assets | 1.0294% | 1,115 |
| Noninterest expense to average assets | 2.5160% | 4,179 |
| Loan and lease loss provision to assets | -0.0411% | 5,718 |
| Net operating income to assets | 0.5941% | 4,297 |
| Return on assets (ROA) | 0.5941% | 4,402 |
| Pretax return on assets | 0.6018% | 4,832 |
| Return on Equity (ROE) | 6.3866% | 3,848 |
| Retained earnings to average equity (ytd only) | 0.0388% | 5,490 |
| Net charge-offs to loans | -0.2569% | 5,995 |
| Credit loss provision to net charge-offs | 45.1187% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7769% | 1,438 |
| Assets per employee ($millions) | 4.4162% | 3,182 |
| Cash dividends to net income (ytd only)* | 99.3925% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,949 |
| Loan loss allowance to noncurrent loans | 257.2280% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 1,700 |
| Noncurrent loans to loans | 0.4347% | 3,910 |
| Net loans and leases to total assets | 36.0039% | 5,708 |
| Net loans and leases to deposits | 42.2927% | 5,702 |
| Net loans and leases to core deposits | 45.4425% | 5,671 |
| Total domestic deposits to total assets | 85.1302% | 3,027 |
| Equity capital to assets | 8.9224% | 5,196 |
| Core capital (leverage) ratio | 9.0017% | 4,880 |
| Tier 1 risk-based capital ratio | 18.9928% | 1,703 |
| Total risk-based capital ratio | 19.8634% | 1,752 |
| Memoranda: | ||
| Average total assets | $415,575,800 | 1,588 |
| Average earning assets | $393,241,000 | 1,553 |
| Average equity | $38,659,200 | 1,858 |
| Average total loans | $147,553,200 | 2,633 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4799% | 6,095 |
| Cost of funding earning assets | 0.4020% | 3,208 |
| Net interest margin | 2.0779% | 6,108 |
| Noninterest income to average assets | 1.0509% | 1,084 |
| Noninterest expense to average assets | 2.5074% | 4,174 |
| Loan and lease loss provision to assets | 0.0387% | 3,435 |
| Net operating income to assets | 0.4637% | 4,921 |
| Return on assets (ROA) | 0.4637% | 5,016 |
| Pretax return on assets | 0.4714% | 5,289 |
| Return on Equity (ROE) | 4.9329% | 4,652 |
| Retained earnings to average equity (ytd only) | 2.0171% | 4,873 |
| Net charge-offs to loans | 0.0274% | 3,396 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 52.7320% | 1,008 |
| Efficiency ratio | 83.0947% | 1,254 |
| Assets per employee ($millions) | 4.4825% | 3,040 |
| Cash dividends to net income (ytd only)* | 59.1100% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 4,426 |
| Loan loss allowance to noncurrent loans | 213.8298% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 1.3628% | 1,698 |
| Noncurrent loans to loans | 0.4958% | 3,860 |
| Net loans and leases to total assets | 36.3927% | 5,772 |
| Net loans and leases to deposits | 43.3362% | 5,747 |
| Net loans and leases to core deposits | 46.9132% | 5,701 |
| Total domestic deposits to total assets | 83.9777% | 3,438 |
| Equity capital to assets | 9.5135% | 4,734 |
| Core capital (leverage) ratio | 9.3673% | 4,489 |
| Tier 1 risk-based capital ratio | 19.4376% | 1,678 |
| Total risk-based capital ratio | 20.2551% | 1,744 |
| Memoranda: | ||
| Average total assets | $413,481,250 | 1,607 |
| Average earning assets | $391,355,750 | 1,569 |
| Average equity | $38,867,250 | 1,868 |
| Average total loans | $145,850,000 | 2,666 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4468% | 6,181 |
| Cost of funding earning assets | 0.4041% | 3,236 |
| Net interest margin | 2.0428% | 6,199 |
| Noninterest income to average assets | 1.0531% | 1,070 |
| Noninterest expense to average assets | 2.5096% | 4,214 |
| Loan and lease loss provision to assets | 0.0290% | 3,549 |
| Net operating income to assets | 0.4432% | 4,992 |
| Return on assets (ROA) | 0.4432% | 5,089 |
| Pretax return on assets | 0.4494% | 5,355 |
| Return on Equity (ROE) | 4.7335% | 4,736 |
| Retained earnings to average equity (ytd only) | 1.5847% | 4,909 |
| Net charge-offs to loans | 0.0542% | 2,640 |
| Credit loss provision to net charge-offs | 153.8462% | 1,512 |
| Earnings coverage of net charge-offs (x) | 25.3846% | 1,524 |
| Efficiency ratio | 83.9884% | 1,270 |
| Assets per employee ($millions) | 4.3594% | 3,193 |
| Cash dividends to net income (ytd only)* | 66.5213% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 4,637 |
| Loan loss allowance to noncurrent loans | 72.4235% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3268% | 1,894 |
| Noncurrent loans to loans | 1.4422% | 1,848 |
| Net loans and leases to total assets | 35.5816% | 5,837 |
| Net loans and leases to deposits | 41.9648% | 5,838 |
| Net loans and leases to core deposits | 45.0462% | 5,803 |
| Total domestic deposits to total assets | 84.7891% | 3,218 |
| Equity capital to assets | 9.4302% | 4,737 |
| Core capital (leverage) ratio | 9.1881% | 4,713 |
| Tier 1 risk-based capital ratio | 20.8181% | 1,402 |
| Total risk-based capital ratio | 21.6624% | 1,442 |
| Memoranda: | ||
| Average total assets | $413,844,000 | 1,618 |
| Average earning assets | $392,016,330 | 1,576 |
| Average equity | $38,745,330 | 1,879 |
| Average total loans | $143,903,670 | 2,700 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4171% | 6,255 |
| Cost of funding earning assets | 0.4015% | 3,288 |
| Net interest margin | 2.0156% | 6,270 |
| Noninterest income to average assets | 0.8579% | 1,535 |
| Noninterest expense to average assets | 2.4825% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2837% | 5,468 |
| Return on assets (ROA) | 0.2837% | 5,563 |
| Pretax return on assets | 0.2876% | 5,672 |
| Return on Equity (ROE) | 3.0415% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.0415% | 4,158 |
| Net charge-offs to loans | -0.3348% | 6,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6181% | 879 |
| Assets per employee ($millions) | 4.2442% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 4,259 |
| Loan loss allowance to noncurrent loans | 42.0498% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 1,810 |
| Noncurrent loans to loans | 2.7358% | 862 |
| Net loans and leases to total assets | 34.1678% | 5,920 |
| Net loans and leases to deposits | 39.7433% | 5,923 |
| Net loans and leases to core deposits | 42.9704% | 5,868 |
| Total domestic deposits to total assets | 85.9711% | 2,955 |
| Equity capital to assets | 9.5228% | 4,721 |
| Core capital (leverage) ratio | 9.1077% | 4,838 |
| Tier 1 risk-based capital ratio | 20.8534% | 1,453 |
| Total risk-based capital ratio | 21.7532% | 1,491 |
| Memoranda: | ||
| Average total assets | $415,876,500 | 1,624 |
| Average earning assets | $394,526,000 | 1,582 |
| Average equity | $38,796,500 | 1,879 |
| Average total loans | $142,183,000 | 2,730 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5653% | 6,308 |
| Cost of funding earning assets | 0.4053% | 3,638 |
| Net interest margin | 2.1600% | 6,323 |
| Noninterest income to average assets | 0.8247% | 1,777 |
| Noninterest expense to average assets | 2.6845% | 3,924 |
| Loan and lease loss provision to assets | 0.0036% | 4,532 |
| Net operating income to assets | 0.1718% | 5,821 |
| Return on assets (ROA) | 0.4403% | 5,153 |
| Pretax return on assets | 0.4488% | 5,388 |
| Return on Equity (ROE) | 4.6942% | 4,803 |
| Retained earnings to average equity (ytd only) | 0.0337% | 5,751 |
| Net charge-offs to loans | 0.0269% | 4,289 |
| Credit loss provision to net charge-offs | 39.4737% | 3,685 |
| Earnings coverage of net charge-offs (x) | 19.3158% | 1,790 |
| Efficiency ratio | 93.7665% | 607 |
| Assets per employee ($millions) | 4.3757% | 3,228 |
| Cash dividends to net income (ytd only)* | 99.2822% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,705 |
| Loan loss allowance to noncurrent loans | 38.0356% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 1,857 |
| Noncurrent loans to loans | 2.8093% | 837 |
| Net loans and leases to total assets | 33.4582% | 6,064 |
| Net loans and leases to deposits | 39.3946% | 6,051 |
| Net loans and leases to core deposits | 42.7309% | 6,005 |
| Total domestic deposits to total assets | 84.9310% | 3,314 |
| Equity capital to assets | 9.1388% | 5,140 |
| Core capital (leverage) ratio | 9.1111% | 4,808 |
| Tier 1 risk-based capital ratio | 20.1353% | 1,569 |
| Total risk-based capital ratio | 20.9481% | 1,628 |
| Memoranda: | ||
| Average total assets | $411,288,200 | 1,609 |
| Average earning assets | $388,104,800 | 1,568 |
| Average equity | $38,579,600 | 1,829 |
| Average total loans | $141,488,400 | 2,694 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5598% | 6,390 |
| Cost of funding earning assets | 0.4062% | 3,708 |
| Net interest margin | 2.1535% | 6,409 |
| Noninterest income to average assets | 0.7842% | 1,948 |
| Noninterest expense to average assets | 2.5881% | 4,232 |
| Loan and lease loss provision to assets | 0.0587% | 3,197 |
| Net operating income to assets | 0.1641% | 5,916 |
| Return on assets (ROA) | 0.4397% | 5,186 |
| Pretax return on assets | 0.4459% | 5,480 |
| Return on Equity (ROE) | 4.6564% | 4,874 |
| Retained earnings to average equity (ytd only) | 0.7732% | 5,566 |
| Net charge-offs to loans | 0.0792% | 3,068 |
| Credit loss provision to net charge-offs | 214.2857% | 1,194 |
| Earnings coverage of net charge-offs (x) | 8.2617% | 2,829 |
| Efficiency ratio | 91.9629% | 715 |
| Assets per employee ($millions) | 4.2502% | 3,380 |
| Cash dividends to net income (ytd only)* | 83.3950% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 4,581 |
| Loan loss allowance to noncurrent loans | 32.2054% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 1.9257% | 1,515 |
| Noncurrent loans to loans | 3.5249% | 675 |
| Net loans and leases to total assets | 34.9414% | 6,074 |
| Net loans and leases to deposits | 41.8567% | 6,059 |
| Net loans and leases to core deposits | 45.2677% | 5,986 |
| Total domestic deposits to total assets | 83.4785% | 3,957 |
| Equity capital to assets | 9.5021% | 4,795 |
| Core capital (leverage) ratio | 9.2923% | 4,650 |
| Tier 1 risk-based capital ratio | 19.9941% | 1,675 |
| Total risk-based capital ratio | 20.8597% | 1,728 |
| Memoranda: | ||
| Average total assets | $409,093,500 | 1,632 |
| Average earning assets | $385,652,000 | 1,587 |
| Average equity | $38,627,250 | 1,837 |
| Average total loans | $141,344,250 | 2,707 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5604% | 6,461 |
| Cost of funding earning assets | 0.4144% | 3,710 |
| Net interest margin | 2.1460% | 6,478 |
| Noninterest income to average assets | 0.7215% | 2,179 |
| Noninterest expense to average assets | 2.6303% | 4,134 |
| Loan and lease loss provision to assets | 0.0586% | 3,110 |
| Net operating income to assets | 0.0550% | 6,128 |
| Return on assets (ROA) | 0.4679% | 5,017 |
| Pretax return on assets | 0.4733% | 5,353 |
| Return on Equity (ROE) | 4.9663% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.8295% | 5,419 |
| Net charge-offs to loans | -0.0071% | 5,241 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8185% | 565 |
| Assets per employee ($millions) | 3.9845% | 3,872 |
| Cash dividends to net income (ytd only)* | 83.2985% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 4,549 |
| Loan loss allowance to noncurrent loans | 31.7696% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 1,579 |
| Noncurrent loans to loans | 3.6921% | 690 |
| Net loans and leases to total assets | 35.2281% | 6,091 |
| Net loans and leases to deposits | 40.8110% | 6,117 |
| Net loans and leases to core deposits | 43.6883% | 6,077 |
| Total domestic deposits to total assets | 86.3202% | 2,863 |
| Equity capital to assets | 9.6861% | 4,510 |
| Core capital (leverage) ratio | 9.2102% | 4,725 |
| Tier 1 risk-based capital ratio | 20.2601% | 1,624 |
| Total risk-based capital ratio | 21.1542% | 1,677 |
| Memoranda: | ||
| Average total assets | $409,453,000 | 1,627 |
| Average earning assets | $386,105,000 | 1,589 |
| Average equity | $38,579,670 | 1,830 |
| Average total loans | $140,391,330 | 2,721 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4798% | 6,554 |
| Cost of funding earning assets | 0.4167% | 3,801 |
| Net interest margin | 2.0631% | 6,574 |
| Noninterest income to average assets | 0.6622% | 2,391 |
| Noninterest expense to average assets | 2.5217% | 4,546 |
| Loan and lease loss provision to assets | 0.0578% | 2,959 |
| Net operating income to assets | 0.0270% | 6,172 |
| Return on assets (ROA) | 0.0270% | 6,190 |
| Pretax return on assets | 0.0299% | 6,179 |
| Return on Equity (ROE) | 0.2904% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.2904% | 5,459 |
| Net charge-offs to loans | -0.0487% | 5,792 |
| Credit loss provision to net charge-offs | -352.9412% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6383% | 607 |
| Assets per employee ($millions) | 4.1931% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,737 |
| Loan loss allowance to noncurrent loans | 28.8877% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 2.1546% | 1,549 |
| Noncurrent loans to loans | 4.0812% | 651 |
| Net loans and leases to total assets | 33.0039% | 6,227 |
| Net loans and leases to deposits | 37.8986% | 6,255 |
| Net loans and leases to core deposits | 40.8745% | 6,204 |
| Total domestic deposits to total assets | 87.0848% | 2,752 |
| Equity capital to assets | 9.4262% | 4,592 |
| Core capital (leverage) ratio | 9.0478% | 4,939 |
| Tier 1 risk-based capital ratio | 20.7537% | 1,525 |
| Total risk-based capital ratio | 21.6464% | 1,585 |
| Memoranda: | ||
| Average total assets | $414,955,000 | 1,616 |
| Average earning assets | $391,637,000 | 1,575 |
| Average equity | $38,572,500 | 1,826 |
| Average total loans | $139,571,000 | 2,748 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6190% | 6,581 |
| Cost of funding earning assets | 0.5109% | 3,489 |
| Net interest margin | 2.1081% | 6,616 |
| Noninterest income to average assets | 1.0516% | 1,269 |
| Noninterest expense to average assets | 2.6048% | 4,444 |
| Loan and lease loss provision to assets | 0.3989% | 750 |
| Net operating income to assets | 0.0304% | 6,164 |
| Return on assets (ROA) | 0.1069% | 6,083 |
| Pretax return on assets | 0.1071% | 6,080 |
| Return on Equity (ROE) | 1.1195% | 6,062 |
| Retained earnings to average equity (ytd only) | -0.5610% | 5,985 |
| Net charge-offs to loans | 1.3136% | 383 |
| Credit loss provision to net charge-offs | 87.0685% | 2,844 |
| Earnings coverage of net charge-offs (x) | 0.9377% | 4,770 |
| Efficiency ratio | 85.8443% | 1,428 |
| Assets per employee ($millions) | 4.1483% | 3,533 |
| Cash dividends to net income (ytd only)* | 150.1104% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,218 |
| Loan loss allowance to noncurrent loans | 24.1763% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 2.3001% | 1,531 |
| Noncurrent loans to loans | 4.4918% | 588 |
| Net loans and leases to total assets | 33.5004% | 6,318 |
| Net loans and leases to deposits | 39.2088% | 6,330 |
| Net loans and leases to core deposits | 42.7355% | 6,281 |
| Total domestic deposits to total assets | 85.4409% | 3,534 |
| Equity capital to assets | 9.1674% | 4,845 |
| Core capital (leverage) ratio | 8.8354% | 5,231 |
| Tier 1 risk-based capital ratio | 20.2284% | 1,604 |
| Total risk-based capital ratio | 21.0648% | 1,664 |
| Memoranda: | ||
| Average total assets | $423,715,200 | 1,561 |
| Average earning assets | $398,509,400 | 1,515 |
| Average equity | $40,465,200 | 1,727 |
| Average total loans | $147,756,800 | 2,587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6382% | 6,649 |
| Cost of funding earning assets | 0.5286% | 3,479 |
| Net interest margin | 2.1095% | 6,693 |
| Noninterest income to average assets | 1.1372% | 1,134 |
| Noninterest expense to average assets | 2.5872% | 4,437 |
| Loan and lease loss provision to assets | 0.1192% | 2,808 |
| Net operating income to assets | 0.4077% | 5,221 |
| Return on assets (ROA) | 0.5083% | 4,922 |
| Pretax return on assets | 0.5146% | 5,310 |
| Return on Equity (ROE) | 5.2709% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.0584% | 4,486 |
| Net charge-offs to loans | 0.3485% | 1,806 |
| Credit loss provision to net charge-offs | 97.4359% | 2,455 |
| Earnings coverage of net charge-offs (x) | 4.3487% | 3,462 |
| Efficiency ratio | 82.9393% | 1,713 |
| Assets per employee ($millions) | 4.1405% | 3,558 |
| Cash dividends to net income (ytd only)* | 41.9750% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 4,851 |
| Loan loss allowance to noncurrent loans | 27.1398% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.4166% | 1,605 |
| Noncurrent loans to loans | 4.4301% | 747 |
| Net loans and leases to total assets | 34.6721% | 6,334 |
| Net loans and leases to deposits | 40.4284% | 6,370 |
| Net loans and leases to core deposits | 43.6956% | 6,318 |
| Total domestic deposits to total assets | 85.7618% | 3,373 |
| Equity capital to assets | 9.4483% | 4,618 |
| Core capital (leverage) ratio | 9.1564% | 4,894 |
| Tier 1 risk-based capital ratio | 20.3759% | 1,635 |
| Total risk-based capital ratio | 21.3190% | 1,693 |
| Memoranda: | ||
| Average total assets | $424,898,250 | 1,566 |
| Average earning assets | $399,255,750 | 1,522 |
| Average equity | $40,979,000 | 1,717 |
| Average total loans | $149,220,500 | 2,578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6319% | 6,694 |
| Cost of funding earning assets | 0.5376% | 3,521 |
| Net interest margin | 2.0943% | 6,736 |
| Noninterest income to average assets | 1.2345% | 1,022 |
| Noninterest expense to average assets | 2.6353% | 4,265 |
| Loan and lease loss provision to assets | 0.1503% | 2,446 |
| Net operating income to assets | 0.4140% | 5,168 |
| Return on assets (ROA) | 0.5646% | 4,649 |
| Pretax return on assets | 0.5703% | 5,130 |
| Return on Equity (ROE) | 5.8155% | 4,278 |
| Retained earnings to average equity (ytd only) | 3.7012% | 3,952 |
| Net charge-offs to loans | 0.5510% | 1,198 |
| Credit loss provision to net charge-offs | 77.6699% | 2,672 |
| Earnings coverage of net charge-offs (x) | 2.9369% | 3,547 |
| Efficiency ratio | 82.2581% | 1,848 |
| Assets per employee ($millions) | 3.9587% | 3,899 |
| Cash dividends to net income (ytd only)* | 36.3561% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,270 |
| Loan loss allowance to noncurrent loans | 25.9146% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 2.4717% | 1,716 |
| Noncurrent loans to loans | 4.4091% | 805 |
| Net loans and leases to total assets | 35.3852% | 6,342 |
| Net loans and leases to deposits | 40.7249% | 6,378 |
| Net loans and leases to core deposits | 44.2921% | 6,321 |
| Total domestic deposits to total assets | 86.8884% | 2,890 |
| Equity capital to assets | 9.6824% | 4,332 |
| Core capital (leverage) ratio | 8.9897% | 5,007 |
| Tier 1 risk-based capital ratio | 20.3896% | 1,632 |
| Total risk-based capital ratio | 21.2941% | 1,677 |
| Memoranda: | ||
| Average total assets | $425,755,000 | 1,565 |
| Average earning assets | $400,320,670 | 1,522 |
| Average equity | $41,337,670 | 1,709 |
| Average total loans | $149,556,670 | 2,578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5980% | 6,780 |
| Cost of funding earning assets | 0.5439% | 3,637 |
| Net interest margin | 2.0542% | 6,827 |
| Noninterest income to average assets | 1.2080% | 1,042 |
| Noninterest expense to average assets | 2.6676% | 4,190 |
| Loan and lease loss provision to assets | 0.2414% | 1,499 |
| Net operating income to assets | 0.2296% | 5,792 |
| Return on assets (ROA) | 0.5274% | 4,688 |
| Pretax return on assets | 0.5320% | 5,171 |
| Return on Equity (ROE) | 5.4246% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.4246% | 2,992 |
| Net charge-offs to loans | 0.8750% | 694 |
| Credit loss provision to net charge-offs | 79.2683% | 2,163 |
| Earnings coverage of net charge-offs (x) | 1.5518% | 3,314 |
| Efficiency ratio | 84.9497% | 1,644 |
| Assets per employee ($millions) | 4.2662% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,256 |
| Loan loss allowance to noncurrent loans | 23.0235% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 2.6651% | 1,704 |
| Noncurrent loans to loans | 5.1357% | 730 |
| Net loans and leases to total assets | 33.7721% | 6,429 |
| Net loans and leases to deposits | 39.0324% | 6,459 |
| Net loans and leases to core deposits | 42.3659% | 6,386 |
| Total domestic deposits to total assets | 86.5233% | 3,220 |
| Equity capital to assets | 9.7982% | 4,420 |
| Core capital (leverage) ratio | 8.8875% | 5,075 |
| Tier 1 risk-based capital ratio | 20.7549% | 1,597 |
| Total risk-based capital ratio | 21.6927% | 1,640 |
| Memoranda: | ||
| Average total assets | $430,801,500 | 1,566 |
| Average earning assets | $405,227,500 | 1,513 |
| Average equity | $41,883,500 | 1,711 |
| Average total loans | $149,943,500 | 2,582 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0743% | 6,737 |
| Cost of funding earning assets | 0.7467% | 3,109 |
| Net interest margin | 2.3276% | 6,823 |
| Noninterest income to average assets | 1.2350% | 1,023 |
| Noninterest expense to average assets | 2.6959% | 4,412 |
| Loan and lease loss provision to assets | 0.3412% | 1,969 |
| Net operating income to assets | 0.3632% | 5,241 |
| Return on assets (ROA) | 0.8355% | 3,368 |
| Pretax return on assets | 0.8500% | 4,108 |
| Return on Equity (ROE) | 8.2205% | 2,995 |
| Retained earnings to average equity (ytd only) | -1.2613% | 6,054 |
| Net charge-offs to loans | 1.0917% | 970 |
| Credit loss provision to net charge-offs | 86.0729% | 3,622 |
| Earnings coverage of net charge-offs (x) | 1.7890% | 4,537 |
| Efficiency ratio | 79.1719% | 2,255 |
| Assets per employee ($millions) | 4.2232% | 3,506 |
| Cash dividends to net income (ytd only)* | 115.3432% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,295 |
| Loan loss allowance to noncurrent loans | 24.7616% | 6,256 |
| Noncurrent assets plus other real estate owned to assets | 2.5640% | 1,894 |
| Noncurrent loans to loans | 4.6968% | 885 |
| Net loans and leases to total assets | 35.0111% | 6,492 |
| Net loans and leases to deposits | 41.1268% | 6,494 |
| Net loans and leases to core deposits | 44.7164% | 6,432 |
| Total domestic deposits to total assets | 85.1296% | 3,804 |
| Equity capital to assets | 9.6477% | 4,659 |
| Core capital (leverage) ratio | 8.8061% | 5,170 |
| Tier 1 risk-based capital ratio | 20.1012% | 1,648 |
| Total risk-based capital ratio | 21.0603% | 1,700 |
| Memoranda: | ||
| Average total assets | $422,011,800 | 1,556 |
| Average earning assets | $393,452,800 | 1,529 |
| Average equity | $42,892,600 | 1,621 |
| Average total loans | $153,250,600 | 2,526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1467% | 6,828 |
| Cost of funding earning assets | 0.7872% | 3,053 |
| Net interest margin | 2.3595% | 6,917 |
| Noninterest income to average assets | 1.0924% | 1,260 |
| Noninterest expense to average assets | 2.6518% | 4,555 |
| Loan and lease loss provision to assets | 0.0573% | 5,016 |
| Net operating income to assets | 0.5702% | 4,519 |
| Return on assets (ROA) | 0.5702% | 4,792 |
| Pretax return on assets | 0.5801% | 5,233 |
| Return on Equity (ROE) | 5.5373% | 4,584 |
| Retained earnings to average equity (ytd only) | -0.0711% | 6,092 |
| Net charge-offs to loans | -0.0854% | 6,823 |
| Credit loss provision to net charge-offs | -183.6735% | 6,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6214% | 1,996 |
| Assets per employee ($millions) | 4.0682% | 3,740 |
| Cash dividends to net income (ytd only)* | 101.2844% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 4,042 |
| Loan loss allowance to noncurrent loans | 23.2157% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 3.1766% | 1,621 |
| Noncurrent loans to loans | 6.3596% | 612 |
| Net loans and leases to total assets | 36.3233% | 6,531 |
| Net loans and leases to deposits | 42.9992% | 6,555 |
| Net loans and leases to core deposits | 47.3267% | 6,453 |
| Total domestic deposits to total assets | 84.4743% | 3,990 |
| Equity capital to assets | 10.4122% | 3,943 |
| Core capital (leverage) ratio | 8.9731% | 5,102 |
| Tier 1 risk-based capital ratio | 19.5777% | 1,857 |
| Total risk-based capital ratio | 20.7609% | 1,854 |
| Memoranda: | ||
| Average total assets | $418,768,500 | 1,584 |
| Average earning assets | $389,903,250 | 1,554 |
| Average equity | $43,124,250 | 1,628 |
| Average total loans | $153,042,000 | 2,558 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1825% | 6,883 |
| Cost of funding earning assets | 0.8167% | 3,065 |
| Net interest margin | 2.3659% | 6,980 |
| Noninterest income to average assets | 1.0740% | 1,242 |
| Noninterest expense to average assets | 2.6833% | 4,485 |
| Loan and lease loss provision to assets | 0.0575% | 4,941 |
| Net operating income to assets | 0.5209% | 4,716 |
| Return on assets (ROA) | 0.5209% | 4,988 |
| Pretax return on assets | 0.5296% | 5,368 |
| Return on Equity (ROE) | 5.0777% | 4,774 |
| Retained earnings to average equity (ytd only) | -3.3960% | 6,503 |
| Net charge-offs to loans | -0.1249% | 6,904 |
| Credit loss provision to net charge-offs | -126.3158% | 6,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0487% | 1,871 |
| Assets per employee ($millions) | 3.9452% | 3,988 |
| Cash dividends to net income (ytd only)* | 166.8813% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 4,183 |
| Loan loss allowance to noncurrent loans | 23.3967% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 3.1856% | 1,710 |
| Noncurrent loans to loans | 6.2583% | 685 |
| Net loans and leases to total assets | 36.3893% | 6,594 |
| Net loans and leases to deposits | 43.0827% | 6,597 |
| Net loans and leases to core deposits | 47.0610% | 6,511 |
| Total domestic deposits to total assets | 84.4637% | 4,114 |
| Equity capital to assets | 10.3560% | 3,866 |
| Core capital (leverage) ratio | 8.8236% | 5,176 |
| Tier 1 risk-based capital ratio | 19.4744% | 1,859 |
| Total risk-based capital ratio | 20.6412% | 1,847 |
| Memoranda: | ||
| Average total assets | $417,327,330 | 1,590 |
| Average earning assets | $387,426,000 | 1,565 |
| Average equity | $42,814,670 | 1,629 |
| Average total loans | $152,061,330 | 2,586 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 6,944 |
| Cost of funding earning assets | 0.8264% | 3,266 |
| Net interest margin | 2.3728% | 7,028 |
| Noninterest income to average assets | 1.3455% | 788 |
| Noninterest expense to average assets | 2.5936% | 4,842 |
| Loan and lease loss provision to assets | 0.0573% | 4,692 |
| Net operating income to assets | 0.8824% | 3,007 |
| Return on assets (ROA) | 0.8824% | 3,224 |
| Pretax return on assets | 0.8910% | 4,063 |
| Return on Equity (ROE) | 8.6411% | 2,976 |
| Retained earnings to average equity (ytd only) | 2.5156% | 4,998 |
| Net charge-offs to loans | -0.0369% | 6,424 |
| Credit loss provision to net charge-offs | -428.5714% | 5,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2273% | 3,217 |
| Assets per employee ($millions) | 4.0557% | 3,895 |
| Cash dividends to net income (ytd only)* | 70.8874% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,653 |
| Loan loss allowance to noncurrent loans | 22.7435% | 6,463 |
| Noncurrent assets plus other real estate owned to assets | 3.1143% | 1,861 |
| Noncurrent loans to loans | 6.1131% | 818 |
| Net loans and leases to total assets | 35.2953% | 6,673 |
| Net loans and leases to deposits | 41.8401% | 6,669 |
| Net loans and leases to core deposits | 45.9946% | 6,569 |
| Total domestic deposits to total assets | 84.3576% | 4,343 |
| Equity capital to assets | 10.1413% | 3,932 |
| Core capital (leverage) ratio | 9.1773% | 4,556 |
| Tier 1 risk-based capital ratio | 19.9325% | 1,729 |
| Total risk-based capital ratio | 21.0234% | 1,737 |
| Memoranda: | ||
| Average total assets | $418,869,500 | 1,591 |
| Average earning assets | $387,720,500 | 1,566 |
| Average equity | $42,772,500 | 1,622 |
| Average total loans | $151,602,000 | 2,609 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 6,777 |
| Cost of funding earning assets | 1.0566% | 2,975 |
| Net interest margin | 2.6992% | 6,921 |
| Noninterest income to average assets | 0.7958% | 2,085 |
| Noninterest expense to average assets | 2.6685% | 4,856 |
| Loan and lease loss provision to assets | 0.1101% | 5,214 |
| Net operating income to assets | 0.5003% | 4,424 |
| Return on assets (ROA) | 0.5032% | 4,620 |
| Pretax return on assets | 0.5120% | 4,958 |
| Return on Equity (ROE) | 5.0133% | 4,386 |
| Retained earnings to average equity (ytd only) | 1.0296% | 5,380 |
| Net charge-offs to loans | 0.2715% | 4,077 |
| Credit loss provision to net charge-offs | 101.1494% | 3,439 |
| Earnings coverage of net charge-offs (x) | 5.6874% | 2,708 |
| Efficiency ratio | 81.1691% | 2,139 |
| Assets per employee ($millions) | 3.9614% | 3,944 |
| Cash dividends to net income (ytd only)* | 79.4630% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,752 |
| Loan loss allowance to noncurrent loans | 35.3095% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 2.3077% | 2,615 |
| Noncurrent loans to loans | 3.7673% | 1,666 |
| Net loans and leases to total assets | 36.1121% | 6,765 |
| Net loans and leases to deposits | 43.5282% | 6,742 |
| Net loans and leases to core deposits | 47.8522% | 6,651 |
| Total domestic deposits to total assets | 82.9626% | 4,763 |
| Equity capital to assets | 10.2825% | 3,808 |
| Core capital (leverage) ratio | 9.1716% | 4,511 |
| Tier 1 risk-based capital ratio | 19.2569% | 1,831 |
| Total risk-based capital ratio | 20.2811% | 1,841 |
| Memoranda: | ||
| Average total assets | $399,619,200 | 1,624 |
| Average earning assets | $368,924,200 | 1,603 |
| Average equity | $40,113,000 | 1,682 |
| Average total loans | $160,236,200 | 2,493 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 6,783 |
| Cost of funding earning assets | 1.0892% | 3,050 |
| Net interest margin | 2.7657% | 6,927 |
| Noninterest income to average assets | 0.6843% | 2,698 |
| Noninterest expense to average assets | 2.7247% | 4,637 |
| Loan and lease loss provision to assets | 0.0742% | 5,521 |
| Net operating income to assets | 0.4248% | 4,885 |
| Return on assets (ROA) | 0.4264% | 5,067 |
| Pretax return on assets | 0.4412% | 5,338 |
| Return on Equity (ROE) | 4.2755% | 4,878 |
| Retained earnings to average equity (ytd only) | 0.6118% | 5,774 |
| Net charge-offs to loans | 0.0953% | 5,025 |
| Credit loss provision to net charge-offs | 189.6552% | 1,536 |
| Earnings coverage of net charge-offs (x) | 13.1382% | 1,642 |
| Efficiency ratio | 84.1366% | 1,718 |
| Assets per employee ($millions) | 3.8885% | 4,099 |
| Cash dividends to net income (ytd only)* | 85.6921% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 5,098 |
| Loan loss allowance to noncurrent loans | 44.0299% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 3,838 |
| Noncurrent loans to loans | 2.9083% | 2,397 |
| Net loans and leases to total assets | 40.1051% | 6,620 |
| Net loans and leases to deposits | 48.5684% | 6,596 |
| Net loans and leases to core deposits | 53.0926% | 6,504 |
| Total domestic deposits to total assets | 82.5744% | 4,846 |
| Equity capital to assets | 10.2416% | 4,030 |
| Core capital (leverage) ratio | 9.4956% | 4,149 |
| Tier 1 risk-based capital ratio | 18.5866% | 2,067 |
| Total risk-based capital ratio | 19.6301% | 2,089 |
| Memoranda: | ||
| Average total assets | $395,536,750 | 1,652 |
| Average earning assets | $365,280,000 | 1,626 |
| Average equity | $39,448,750 | 1,719 |
| Average total loans | $162,237,000 | 2,480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 6,793 |
| Cost of funding earning assets | 1.1241% | 3,076 |
| Net interest margin | 2.7852% | 6,941 |
| Noninterest income to average assets | 0.9246% | 1,562 |
| Noninterest expense to average assets | 2.7750% | 4,524 |
| Loan and lease loss provision to assets | 0.0613% | 5,537 |
| Net operating income to assets | 0.6466% | 3,814 |
| Return on assets (ROA) | 0.6491% | 3,926 |
| Pretax return on assets | 0.6619% | 4,523 |
| Return on Equity (ROE) | 6.5702% | 3,664 |
| Retained earnings to average equity (ytd only) | 0.9622% | 5,479 |
| Net charge-offs to loans | 0.0546% | 5,103 |
| Credit loss provision to net charge-offs | 272.7273% | 1,111 |
| Earnings coverage of net charge-offs (x) | 32.0455% | 876 |
| Efficiency ratio | 79.3830% | 2,490 |
| Assets per employee ($millions) | 3.7194% | 4,383 |
| Cash dividends to net income (ytd only)* | 85.3543% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 5,103 |
| Loan loss allowance to noncurrent loans | 42.1730% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 1.6332% | 3,731 |
| Noncurrent loans to loans | 3.0607% | 2,363 |
| Net loans and leases to total assets | 41.8381% | 6,604 |
| Net loans and leases to deposits | 49.6005% | 6,630 |
| Net loans and leases to core deposits | 54.6098% | 6,523 |
| Total domestic deposits to total assets | 84.3502% | 4,193 |
| Equity capital to assets | 10.5243% | 3,476 |
| Core capital (leverage) ratio | 9.5287% | 3,911 |
| Tier 1 risk-based capital ratio | 18.3932% | 2,046 |
| Total risk-based capital ratio | 19.4142% | 2,073 |
| Memoranda: | ||
| Average total assets | $391,284,000 | 1,679 |
| Average earning assets | $361,191,000 | 1,655 |
| Average equity | $38,659,670 | 1,736 |
| Average total loans | $161,025,670 | 2,524 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 6,919 |
| Cost of funding earning assets | 1.1350% | 3,263 |
| Net interest margin | 2.6904% | 7,027 |
| Noninterest income to average assets | 0.9257% | 1,564 |
| Noninterest expense to average assets | 2.7336% | 4,703 |
| Loan and lease loss provision to assets | 0.0607% | 5,240 |
| Net operating income to assets | 0.6070% | 3,997 |
| Return on assets (ROA) | 0.6070% | 4,066 |
| Pretax return on assets | 0.6181% | 4,617 |
| Return on Equity (ROE) | 6.3442% | 3,704 |
| Retained earnings to average equity (ytd only) | -0.2326% | 5,832 |
| Net charge-offs to loans | 0.0948% | 3,995 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 17.6579% | 1,214 |
| Efficiency ratio | 80.1067% | 2,510 |
| Assets per employee ($millions) | 3.9293% | 3,991 |
| Cash dividends to net income (ytd only)* | 103.6667% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 5,239 |
| Loan loss allowance to noncurrent loans | 77.7905% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 4,773 |
| Noncurrent loans to loans | 1.6443% | 4,016 |
| Net loans and leases to total assets | 39.7135% | 6,798 |
| Net loans and leases to deposits | 46.6053% | 6,811 |
| Net loans and leases to core deposits | 52.3506% | 6,664 |
| Total domestic deposits to total assets | 85.2125% | 3,942 |
| Equity capital to assets | 9.6846% | 4,195 |
| Core capital (leverage) ratio | 9.4994% | 3,810 |
| Tier 1 risk-based capital ratio | 18.4775% | 1,966 |
| Total risk-based capital ratio | 19.4824% | 2,001 |
| Memoranda: | ||
| Average total assets | $395,374,500 | 1,674 |
| Average earning assets | $365,446,500 | 1,649 |
| Average equity | $37,830,000 | 1,761 |
| Average total loans | $160,349,000 | 2,555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 6,998 |
| Cost of funding earning assets | 1.3445% | 3,614 |
| Net interest margin | 2.7984% | 7,033 |
| Noninterest income to average assets | 1.2366% | 985 |
| Noninterest expense to average assets | 2.8200% | 4,521 |
| Loan and lease loss provision to assets | 0.1212% | 5,947 |
| Net operating income to assets | 0.8530% | 2,576 |
| Return on assets (ROA) | 0.8551% | 2,706 |
| Pretax return on assets | 0.8613% | 3,437 |
| Return on Equity (ROE) | 8.3488% | 2,553 |
| Retained earnings to average equity (ytd only) | 2.2765% | 4,284 |
| Net charge-offs to loans | 0.5774% | 3,315 |
| Credit loss provision to net charge-offs | 48.9130% | 6,277 |
| Earnings coverage of net charge-offs (x) | 3.9576% | 3,122 |
| Efficiency ratio | 74.2047% | 3,355 |
| Assets per employee ($millions) | 3.7160% | 4,425 |
| Cash dividends to net income (ytd only)* | 72.7330% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 5,232 |
| Loan loss allowance to noncurrent loans | 78.3857% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 4,920 |
| Noncurrent loans to loans | 1.6001% | 4,100 |
| Net loans and leases to total assets | 40.3741% | 6,940 |
| Net loans and leases to deposits | 47.5460% | 6,972 |
| Net loans and leases to core deposits | 53.8816% | 6,818 |
| Total domestic deposits to total assets | 84.9157% | 3,903 |
| Equity capital to assets | 9.4508% | 4,464 |
| Core capital (leverage) ratio | 9.5521% | 3,641 |
| Tier 1 risk-based capital ratio | 18.5134% | 1,839 |
| Total risk-based capital ratio | 19.5093% | 1,880 |
| Memoranda: | ||
| Average total assets | $371,422,600 | 1,774 |
| Average earning assets | $340,269,600 | 1,756 |
| Average equity | $38,041,200 | 1,729 |
| Average total loans | $159,347,800 | 2,624 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 7,054 |
| Cost of funding earning assets | 1.3838% | 3,680 |
| Net interest margin | 2.8465% | 7,085 |
| Noninterest income to average assets | 0.9185% | 1,731 |
| Noninterest expense to average assets | 2.8335% | 4,333 |
| Loan and lease loss provision to assets | 0.0693% | 6,370 |
| Net operating income to assets | 0.6174% | 3,805 |
| Return on assets (ROA) | 0.6204% | 3,958 |
| Pretax return on assets | 0.6204% | 4,529 |
| Return on Equity (ROE) | 5.9335% | 3,847 |
| Retained earnings to average equity (ytd only) | -0.9204% | 6,000 |
| Net charge-offs to loans | 0.4304% | 3,573 |
| Credit loss provision to net charge-offs | 37.0370% | 6,058 |
| Earnings coverage of net charge-offs (x) | 3.6725% | 3,343 |
| Efficiency ratio | 80.4929% | 2,278 |
| Assets per employee ($millions) | 3.6933% | 4,523 |
| Cash dividends to net income (ytd only)* | 115.5111% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 4,863 |
| Loan loss allowance to noncurrent loans | 71.6601% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1661% | 4,789 |
| Noncurrent loans to loans | 1.8388% | 3,878 |
| Net loans and leases to total assets | 42.2511% | 6,960 |
| Net loans and leases to deposits | 50.1851% | 7,002 |
| Net loans and leases to core deposits | 56.4298% | 6,833 |
| Total domestic deposits to total assets | 84.1906% | 4,011 |
| Equity capital to assets | 10.2593% | 3,815 |
| Core capital (leverage) ratio | 9.6682% | 3,664 |
| Tier 1 risk-based capital ratio | 18.1598% | 1,983 |
| Total risk-based capital ratio | 19.2372% | 1,992 |
| Memoranda: | ||
| Average total assets | $365,804,750 | 1,807 |
| Average earning assets | $334,348,000 | 1,810 |
| Average equity | $38,245,000 | 1,742 |
| Average total loans | $158,922,000 | 2,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 7,055 |
| Cost of funding earning assets | 1.4148% | 3,783 |
| Net interest margin | 2.8825% | 7,027 |
| Noninterest income to average assets | 0.7551% | 2,358 |
| Noninterest expense to average assets | 2.8201% | 4,392 |
| Loan and lease loss provision to assets | 0.0667% | 6,285 |
| Net operating income to assets | 0.5010% | 4,329 |
| Return on assets (ROA) | 0.5043% | 4,455 |
| Pretax return on assets | 0.5043% | 4,887 |
| Return on Equity (ROE) | 4.7916% | 4,391 |
| Retained earnings to average equity (ytd only) | -5.5946% | 6,623 |
| Net charge-offs to loans | 0.6392% | 2,629 |
| Credit loss provision to net charge-offs | 23.9044% | 5,814 |
| Earnings coverage of net charge-offs (x) | 2.0339% | 4,007 |
| Efficiency ratio | 83.2431% | 2,007 |
| Assets per employee ($millions) | 3.6003% | 4,698 |
| Cash dividends to net income (ytd only)* | 216.7585% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 4,887 |
| Loan loss allowance to noncurrent loans | 149.9289% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 5,503 |
| Noncurrent loans to loans | 0.8706% | 5,527 |
| Net loans and leases to total assets | 44.2716% | 6,896 |
| Net loans and leases to deposits | 51.4679% | 7,004 |
| Net loans and leases to core deposits | 57.3346% | 6,867 |
| Total domestic deposits to total assets | 86.0179% | 3,072 |
| Equity capital to assets | 10.4698% | 3,450 |
| Core capital (leverage) ratio | 9.7205% | 3,510 |
| Tier 1 risk-based capital ratio | 17.6313% | 2,064 |
| Total risk-based capital ratio | 18.6725% | 2,087 |
| Memoranda: | ||
| Average total assets | $359,706,000 | 1,857 |
| Average earning assets | $328,530,670 | 1,856 |
| Average equity | $37,858,000 | 1,754 |
| Average total loans | $157,078,000 | 2,734 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 7,173 |
| Cost of funding earning assets | 1.4147% | 4,087 |
| Net interest margin | 2.8587% | 7,088 |
| Noninterest income to average assets | 0.9111% | 1,582 |
| Noninterest expense to average assets | 2.8180% | 4,418 |
| Loan and lease loss provision to assets | 0.0668% | 5,969 |
| Net operating income to assets | 0.6297% | 3,760 |
| Return on assets (ROA) | 0.6308% | 3,880 |
| Pretax return on assets | 0.6375% | 4,462 |
| Return on Equity (ROE) | 5.9779% | 3,893 |
| Retained earnings to average equity (ytd only) | -2.8782% | 6,339 |
| Net charge-offs to loans | 1.3121% | 1,303 |
| Credit loss provision to net charge-offs | 11.8110% | 5,028 |
| Earnings coverage of net charge-offs (x) | 1.2441% | 4,013 |
| Efficiency ratio | 80.0316% | 2,558 |
| Assets per employee ($millions) | 3.5130% | 4,999 |
| Cash dividends to net income (ytd only)* | 148.1481% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,769 |
| Loan loss allowance to noncurrent loans | 97.0071% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 4,963 |
| Noncurrent loans to loans | 1.3723% | 4,680 |
| Net loans and leases to total assets | 41.8276% | 7,138 |
| Net loans and leases to deposits | 48.7673% | 7,191 |
| Net loans and leases to core deposits | 55.0936% | 7,043 |
| Total domestic deposits to total assets | 85.7698% | 3,276 |
| Equity capital to assets | 10.5203% | 3,231 |
| Core capital (leverage) ratio | 10.1191% | 3,023 |
| Tier 1 risk-based capital ratio | 18.8565% | 1,753 |
| Total risk-based capital ratio | 19.9131% | 1,763 |
| Memoranda: | ||
| Average total assets | $359,546,500 | 1,906 |
| Average earning assets | $328,258,500 | 1,906 |
| Average equity | $37,940,000 | 1,775 |
| Average total loans | $154,868,500 | 2,829 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7264% | 7,096 |
| Cost of funding earning assets | 1.6284% | 4,900 |
| Net interest margin | 3.0979% | 6,377 |
| Noninterest income to average assets | 1.5850% | 573 |
| Noninterest expense to average assets | 3.0927% | 3,774 |
| Loan and lease loss provision to assets | 0.2793% | 5,187 |
| Net operating income to assets | 1.0287% | 1,746 |
| Return on assets (ROA) | 1.0287% | 1,792 |
| Pretax return on assets | 1.0344% | 2,480 |
| Return on Equity (ROE) | 9.3323% | 1,911 |
| Retained earnings to average equity (ytd only) | 6.4345% | 1,175 |
| Net charge-offs to loans | 0.4174% | 4,139 |
| Credit loss provision to net charge-offs | 142.6404% | 3,382 |
| Earnings coverage of net charge-offs (x) | 6.7086% | 2,305 |
| Efficiency ratio | 70.1868% | 4,586 |
| Assets per employee ($millions) | 3.5372% | 4,932 |
| Cash dividends to net income (ytd only)* | 31.0514% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 3,313 |
| Loan loss allowance to noncurrent loans | 94.7849% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.4603% | 4,217 |
| Noncurrent loans to loans | 1.6802% | 4,129 |
| Net loans and leases to total assets | 43.0664% | 7,172 |
| Net loans and leases to deposits | 51.0754% | 7,201 |
| Net loans and leases to core deposits | 66.7019% | 6,946 |
| Total domestic deposits to total assets | 84.3192% | 3,884 |
| Equity capital to assets | 10.5845% | 3,089 |
| Core capital (leverage) ratio | 10.4016% | 2,687 |
| Tier 1 risk-based capital ratio | 18.4843% | 1,755 |
| Total risk-based capital ratio | 19.7341% | 1,720 |
| Memoranda: | ||
| Average total assets | $336,536,600 | 2,018 |
| Average earning assets | $306,494,000 | 2,032 |
| Average equity | $37,097,000 | 1,812 |
| Average total loans | $157,882,000 | 2,802 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 7,110 |
| Cost of funding earning assets | 1.6729% | 5,048 |
| Net interest margin | 3.1312% | 6,228 |
| Noninterest income to average assets | 1.4860% | 672 |
| Noninterest expense to average assets | 3.1434% | 3,487 |
| Loan and lease loss provision to assets | 0.1529% | 5,829 |
| Net operating income to assets | 1.0373% | 1,946 |
| Return on assets (ROA) | 1.0373% | 2,008 |
| Pretax return on assets | 1.0426% | 2,766 |
| Return on Equity (ROE) | 9.3106% | 2,156 |
| Retained earnings to average equity (ytd only) | 6.7608% | 1,606 |
| Net charge-offs to loans | 0.0430% | 6,302 |
| Credit loss provision to net charge-offs | 745.0980% | 512 |
| Earnings coverage of net charge-offs (x) | 58.2534% | 561 |
| Efficiency ratio | 72.4474% | 4,158 |
| Assets per employee ($millions) | 3.4455% | 5,061 |
| Cash dividends to net income (ytd only)* | 27.3856% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 2,886 |
| Loan loss allowance to noncurrent loans | 68.6503% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 4,352 |
| Noncurrent loans to loans | 2.3695% | 3,183 |
| Net loans and leases to total assets | 43.6736% | 7,266 |
| Net loans and leases to deposits | 51.9342% | 7,311 |
| Net loans and leases to core deposits | 68.4861% | 7,052 |
| Total domestic deposits to total assets | 84.0941% | 3,682 |
| Equity capital to assets | 10.9890% | 3,016 |
| Core capital (leverage) ratio | 10.8862% | 2,491 |
| Tier 1 risk-based capital ratio | 18.5995% | 1,839 |
| Total risk-based capital ratio | 19.8502% | 1,798 |
| Memoranda: | ||
| Average total assets | $331,356,250 | 2,065 |
| Average earning assets | $301,899,000 | 2,075 |
| Average equity | $36,917,750 | 1,843 |
| Average total loans | $158,265,500 | 2,826 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 6,932 |
| Cost of funding earning assets | 1.7502% | 5,011 |
| Net interest margin | 3.1957% | 5,932 |
| Noninterest income to average assets | 1.6565% | 539 |
| Noninterest expense to average assets | 3.2366% | 3,207 |
| Loan and lease loss provision to assets | 0.1971% | 5,083 |
| Net operating income to assets | 1.1255% | 1,680 |
| Return on assets (ROA) | 1.1255% | 1,761 |
| Pretax return on assets | 1.1304% | 2,534 |
| Return on Equity (ROE) | 10.0522% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.6299% | 1,731 |
| Net charge-offs to loans | 0.0277% | 6,089 |
| Credit loss provision to net charge-offs | 1,454.5455% | 353 |
| Earnings coverage of net charge-offs (x) | 97.9545% | 390 |
| Efficiency ratio | 70.9138% | 4,604 |
| Assets per employee ($millions) | 3.1119% | 5,836 |
| Cash dividends to net income (ytd only)* | 34.0449% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 2,877 |
| Loan loss allowance to noncurrent loans | 59.0856% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 4,052 |
| Noncurrent loans to loans | 2.6556% | 2,722 |
| Net loans and leases to total assets | 48.5947% | 6,984 |
| Net loans and leases to deposits | 57.1824% | 7,081 |
| Net loans and leases to core deposits | 71.1321% | 6,960 |
| Total domestic deposits to total assets | 84.9820% | 3,270 |
| Equity capital to assets | 11.3383% | 2,641 |
| Core capital (leverage) ratio | 11.0188% | 2,382 |
| Tier 1 risk-based capital ratio | 18.1688% | 1,969 |
| Total risk-based capital ratio | 19.4192% | 1,917 |
| Memoranda: | ||
| Average total assets | $324,661,330 | 2,123 |
| Average earning assets | $295,398,330 | 2,145 |
| Average equity | $36,350,330 | 1,876 |
| Average total loans | $159,012,330 | 2,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 6,857 |
| Cost of funding earning assets | 1.8287% | 4,985 |
| Net interest margin | 3.2019% | 5,848 |
| Noninterest income to average assets | 1.5881% | 545 |
| Noninterest expense to average assets | 3.2020% | 2,977 |
| Loan and lease loss provision to assets | 0.3198% | 3,416 |
| Net operating income to assets | 0.9755% | 2,415 |
| Return on assets (ROA) | 0.9755% | 2,541 |
| Pretax return on assets | 0.9804% | 3,419 |
| Return on Equity (ROE) | 8.7678% | 2,811 |
| Retained earnings to average equity (ytd only) | 6.5344% | 2,406 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1202% | 4,345 |
| Assets per employee ($millions) | 3.1877% | 5,633 |
| Cash dividends to net income (ytd only)* | 25.4729% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 2,582 |
| Loan loss allowance to noncurrent loans | 55.8345% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5238% | 3,649 |
| Noncurrent loans to loans | 2.8365% | 2,309 |
| Net loans and leases to total assets | 47.6539% | 7,051 |
| Net loans and leases to deposits | 56.0321% | 7,156 |
| Net loans and leases to core deposits | 69.7274% | 7,036 |
| Total domestic deposits to total assets | 85.0475% | 3,176 |
| Equity capital to assets | 11.2918% | 2,728 |
| Core capital (leverage) ratio | 10.8152% | 2,645 |
| Tier 1 risk-based capital ratio | 18.3028% | 1,981 |
| Total risk-based capital ratio | 19.5533% | 1,938 |
| Memoranda: | ||
| Average total assets | $325,173,000 | 2,136 |
| Average earning assets | $295,946,000 | 2,147 |
| Average equity | $36,178,000 | 1,893 |
| Average total loans | $158,629,500 | 2,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7388% | 6,647 |
| Cost of funding earning assets | 2.4733% | 4,345 |
| Net interest margin | 3.2654% | 6,158 |
| Noninterest income to average assets | 0.8359% | 2,319 |
| Noninterest expense to average assets | 3.0567% | 3,869 |
| Loan and lease loss provision to assets | 0.0750% | 6,466 |
| Net operating income to assets | 0.6451% | 4,127 |
| Return on assets (ROA) | 0.6623% | 3,901 |
| Pretax return on assets | 0.6641% | 4,505 |
| Return on Equity (ROE) | 6.0892% | 3,908 |
| Retained earnings to average equity (ytd only) | 3.1451% | 3,198 |
| Net charge-offs to loans | -0.0006% | 7,718 |
| Credit loss provision to net charge-offs | -24,000.0000% | 7,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8945% | 2,468 |
| Assets per employee ($millions) | 3.3170% | 5,172 |
| Cash dividends to net income (ytd only)* | 48.3491% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 3,365 |
| Loan loss allowance to noncurrent loans | 58.4856% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 3,627 |
| Noncurrent loans to loans | 2.3407% | 2,359 |
| Net loans and leases to total assets | 48.4657% | 7,152 |
| Net loans and leases to deposits | 57.1111% | 7,255 |
| Net loans and leases to core deposits | 72.4354% | 7,052 |
| Total domestic deposits to total assets | 84.8621% | 2,909 |
| Equity capital to assets | 10.9630% | 3,073 |
| Core capital (leverage) ratio | 10.6255% | 2,882 |
| Tier 1 risk-based capital ratio | 17.4016% | 2,205 |
| Total risk-based capital ratio | 18.5191% | 2,191 |
| Memoranda: | ||
| Average total assets | $320,118,400 | 2,086 |
| Average earning assets | $288,477,200 | 2,112 |
| Average equity | $34,815,600 | 1,943 |
| Average total loans | $161,412,400 | 2,751 |