Home > The Lamesa National Bank > Performance and Condition Ratios
The Lamesa National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0892% | 4,505 |
| Cost of funding earning assets | 1.0168% | 3,257 |
| Net interest margin | 2.0724% | 4,390 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 0.8890% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1565% | 1,764 |
| Return on assets (ROA) | 1.1565% | 1,739 |
| Pretax return on assets | 1.1565% | 2,249 |
| Return on Equity (ROE) | 16.1000% | 1,080 |
| Retained earnings to average equity (ytd only) | 9.8783% | 1,050 |
| Net charge-offs to loans | 0.8076% | 124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 9.4827% | 2,291 |
| Efficiency ratio | 43.4608% | 4,266 |
| Assets per employee ($millions) | 15.6226% | 186 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6171% | 170 |
| Loan loss allowance to noncurrent loans | 145.6406% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 1,838 |
| Noncurrent loans to loans | 1.7970% | 336 |
| Net loans and leases to total assets | 15.0000% | 4,428 |
| Net loans and leases to deposits | 16.4012% | 4,435 |
| Net loans and leases to core deposits | 18.5734% | 4,457 |
| Total domestic deposits to total assets | 91.4300% | 404 |
| Equity capital to assets | 8.3501% | 3,160 |
| Core capital (leverage) ratio | 10.8378% | 2,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2101% | 299 |
| Memoranda: | ||
| Average total assets | $402,581,800 | 2,005 |
| Average earning assets | $391,429,000 | 1,946 |
| Average equity | $28,912,000 | 2,320 |
| Average total loans | $60,801,000 | 3,696 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 4,508 |
| Cost of funding earning assets | 0.9396% | 3,178 |
| Net interest margin | 2.1544% | 4,378 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 0.8398% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2723% | 1,604 |
| Return on assets (ROA) | 1.2723% | 1,598 |
| Pretax return on assets | 1.2723% | 2,118 |
| Return on Equity (ROE) | 18.4800% | 880 |
| Retained earnings to average equity (ytd only) | 11.2455% | 1,118 |
| Net charge-offs to loans | 0.9189% | 99 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 9.2139% | 2,171 |
| Efficiency ratio | 39.7611% | 4,363 |
| Assets per employee ($millions) | 14.4933% | 222 |
| Cash dividends to net income (ytd only)* | 39.1338% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 266 |
| Loan loss allowance to noncurrent loans | 143.3836% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 1,751 |
| Noncurrent loans to loans | 1.5842% | 446 |
| Net loans and leases to total assets | 19.5500% | 4,436 |
| Net loans and leases to deposits | 21.2749% | 4,447 |
| Net loans and leases to core deposits | 24.1695% | 4,427 |
| Total domestic deposits to total assets | 91.8800% | 478 |
| Equity capital to assets | 7.8655% | 3,140 |
| Core capital (leverage) ratio | 10.6521% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2496% | 267 |
| Memoranda: | ||
| Average total assets | $401,680,250 | 2,011 |
| Average earning assets | $390,634,500 | 1,946 |
| Average equity | $27,660,750 | 2,370 |
| Average total loans | $60,363,750 | 3,712 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0904% | 4,530 |
| Cost of funding earning assets | 0.8189% | 3,158 |
| Net interest margin | 2.2715% | 4,379 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 0.8874% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3352% | 1,484 |
| Return on assets (ROA) | 1.3352% | 1,467 |
| Pretax return on assets | 1.3352% | 1,974 |
| Return on Equity (ROE) | 20.2700% | 685 |
| Retained earnings to average equity (ytd only) | 12.8660% | 825 |
| Net charge-offs to loans | -0.0108% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.9254% | 4,399 |
| Assets per employee ($millions) | 14.8477% | 202 |
| Cash dividends to net income (ytd only)* | 36.5364% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2631% | 109 |
| Loan loss allowance to noncurrent loans | 166.2246% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 1,590 |
| Noncurrent loans to loans | 1.9631% | 290 |
| Net loans and leases to total assets | 16.3600% | 4,479 |
| Net loans and leases to deposits | 17.6458% | 4,487 |
| Net loans and leases to core deposits | 19.8024% | 4,469 |
| Total domestic deposits to total assets | 92.7400% | 291 |
| Equity capital to assets | 7.0765% | 3,753 |
| Core capital (leverage) ratio | 10.2578% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7309% | 262 |
| Memoranda: | ||
| Average total assets | $409,965,333 | 1,983 |
| Average earning assets | $398,588,000 | 1,912 |
| Average equity | $27,001,333 | 2,415 |
| Average total loans | $55,362,000 | 3,787 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7522% | 4,609 |
| Cost of funding earning assets | 0.6808% | 3,117 |
| Net interest margin | 2.0714% | 4,544 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 0.8390% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1955% | 1,944 |
| Return on assets (ROA) | 1.1955% | 1,901 |
| Pretax return on assets | 1.1955% | 2,434 |
| Return on Equity (ROE) | 18.7900% | 917 |
| Retained earnings to average equity (ytd only) | 18.7907% | 451 |
| Net charge-offs to loans | -0.0159% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.2395% | 4,412 |
| Assets per employee ($millions) | 15.7270% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0011% | 61 |
| Loan loss allowance to noncurrent loans | 158.0119% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 1,538 |
| Noncurrent loans to loans | 2.5322% | 189 |
| Net loans and leases to total assets | 12.5000% | 4,562 |
| Net loans and leases to deposits | 13.4638% | 4,570 |
| Net loans and leases to core deposits | 15.0808% | 4,557 |
| Total domestic deposits to total assets | 92.8300% | 339 |
| Equity capital to assets | 7.0019% | 3,829 |
| Core capital (leverage) ratio | 9.5391% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0487% | 313 |
| Memoranda: | ||
| Average total assets | $421,928,500 | 1,972 |
| Average earning assets | $413,047,500 | 1,890 |
| Average equity | $26,843,000 | 2,443 |
| Average total loans | $50,390,000 | 3,901 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8271% | 4,629 |
| Cost of funding earning assets | 0.3043% | 2,839 |
| Net interest margin | 1.5229% | 4,631 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 0.7976% | 4,667 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.8329% | 3,215 |
| Return on assets (ROA) | 0.8329% | 3,137 |
| Pretax return on assets | 0.8329% | 3,539 |
| Return on Equity (ROE) | 12.7200% | 1,900 |
| Retained earnings to average equity (ytd only) | 7.0845% | 2,204 |
| Net charge-offs to loans | -0.6401% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.7717% | 3,911 |
| Assets per employee ($millions) | 14.9985% | 206 |
| Cash dividends to net income (ytd only)* | 44.2984% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4758% | 49 |
| Loan loss allowance to noncurrent loans | 147.9833% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 1,530 |
| Noncurrent loans to loans | 3.0245% | 139 |
| Net loans and leases to total assets | 10.4400% | 4,605 |
| Net loans and leases to deposits | 11.0950% | 4,610 |
| Net loans and leases to core deposits | 12.2271% | 4,593 |
| Total domestic deposits to total assets | 94.1100% | 226 |
| Equity capital to assets | 5.7604% | 4,166 |
| Core capital (leverage) ratio | 8.8801% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6398% | 196 |
| Memoranda: | ||
| Average total assets | $420,115,200 | 1,957 |
| Average earning assets | $410,148,800 | 1,881 |
| Average equity | $27,510,600 | 2,453 |
| Average total loans | $55,148,200 | 3,823 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5645% | 4,660 |
| Cost of funding earning assets | 0.2636% | 2,562 |
| Net interest margin | 1.3009% | 4,661 |
| Noninterest income to average assets | 0.0200% | 4,670 |
| Noninterest expense to average assets | 0.6843% | 4,718 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 0.7637% | 3,376 |
| Return on assets (ROA) | 0.7637% | 3,323 |
| Pretax return on assets | 0.7637% | 3,665 |
| Return on Equity (ROE) | 11.3100% | 2,266 |
| Retained earnings to average equity (ytd only) | 7.5140% | 2,185 |
| Net charge-offs to loans | -0.8320% | 4,756 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.1328% | 3,903 |
| Assets per employee ($millions) | 16.2960% | 163 |
| Cash dividends to net income (ytd only)* | 33.5430% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0161% | 42 |
| Loan loss allowance to noncurrent loans | 147.4740% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 1,622 |
| Noncurrent loans to loans | 3.4014% | 130 |
| Net loans and leases to total assets | 9.1700% | 4,651 |
| Net loans and leases to deposits | 9.6866% | 4,657 |
| Net loans and leases to core deposits | 10.6071% | 4,639 |
| Total domestic deposits to total assets | 94.6800% | 264 |
| Equity capital to assets | 5.2071% | 4,231 |
| Core capital (leverage) ratio | 8.8361% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3785% | 331 |
| Memoranda: | ||
| Average total assets | $416,405,000 | 1,975 |
| Average earning assets | $406,162,750 | 1,905 |
| Average equity | $28,124,500 | 2,456 |
| Average total loans | $57,049,000 | 3,804 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4614% | 4,711 |
| Cost of funding earning assets | 0.2529% | 2,226 |
| Net interest margin | 1.2084% | 4,714 |
| Noninterest income to average assets | 0.0211% | 4,701 |
| Noninterest expense to average assets | 0.7191% | 4,735 |
| Loan and lease loss provision to assets | -0.2448% | 4,706 |
| Net operating income to assets | 0.7255% | 3,226 |
| Return on assets (ROA) | 0.7255% | 3,177 |
| Pretax return on assets | 0.7255% | 3,516 |
| Return on Equity (ROE) | 9.9255% | 2,364 |
| Retained earnings to average equity (ytd only) | 7.2466% | 1,895 |
| Net charge-offs to loans | -0.8109% | 4,713 |
| Credit loss provision to net charge-offs | 199.2032% | 972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9347% | 3,304 |
| Assets per employee ($millions) | 16.8593% | 143 |
| Cash dividends to net income (ytd only)* | 26.9906% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7128% | 80 |
| Loan loss allowance to noncurrent loans | 117.3812% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 1,330 |
| Noncurrent loans to loans | 3.1630% | 155 |
| Net loans and leases to total assets | 12.9855% | 4,695 |
| Net loans and leases to deposits | 13.9046% | 4,702 |
| Net loans and leases to core deposits | 15.2442% | 4,694 |
| Total domestic deposits to total assets | 93.3894% | 415 |
| Equity capital to assets | 6.5253% | 4,011 |
| Core capital (leverage) ratio | 9.2859% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1063% | 246 |
| Memoranda: | ||
| Average total assets | $408,542,667 | 2,019 |
| Average earning assets | $398,529,000 | 1,950 |
| Average equity | $29,862,333 | 2,426 |
| Average total loans | $61,904,333 | 3,758 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3444% | 4,736 |
| Cost of funding earning assets | 0.2555% | 2,097 |
| Net interest margin | 1.0890% | 4,742 |
| Noninterest income to average assets | 0.0166% | 4,727 |
| Noninterest expense to average assets | 0.7152% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3605% | 4,040 |
| Return on assets (ROA) | 0.3605% | 4,003 |
| Pretax return on assets | 0.3605% | 4,097 |
| Return on Equity (ROE) | 4.6847% | 3,704 |
| Retained earnings to average equity (ytd only) | 4.6847% | 2,711 |
| Net charge-offs to loans | -0.0122% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4855% | 2,707 |
| Assets per employee ($millions) | 16.6666% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4036% | 55 |
| Loan loss allowance to noncurrent loans | 116.5899% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 1,296 |
| Noncurrent loans to loans | 3.7770% | 113 |
| Net loans and leases to total assets | 11.8635% | 4,727 |
| Net loans and leases to deposits | 12.7519% | 4,734 |
| Net loans and leases to core deposits | 13.9247% | 4,725 |
| Total domestic deposits to total assets | 93.0328% | 266 |
| Equity capital to assets | 6.8777% | 4,274 |
| Core capital (leverage) ratio | 8.9766% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3995% | 320 |
| Memoranda: | ||
| Average total assets | $410,503,000 | 2,016 |
| Average earning assets | $399,276,500 | 1,961 |
| Average equity | $31,592,000 | 2,407 |
| Average total loans | $65,572,500 | 3,708 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6217% | 4,739 |
| Cost of funding earning assets | 0.4786% | 1,013 |
| Net interest margin | 1.1432% | 4,768 |
| Noninterest income to average assets | 0.0269% | 4,761 |
| Noninterest expense to average assets | 0.7828% | 4,790 |
| Loan and lease loss provision to assets | -0.3130% | 4,781 |
| Net operating income to assets | 0.6684% | 3,702 |
| Return on assets (ROA) | 0.6684% | 3,755 |
| Pretax return on assets | 0.6684% | 3,998 |
| Return on Equity (ROE) | 7.2934% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.4183% | 3,448 |
| Net charge-offs to loans | -1.9751% | 4,802 |
| Credit loss provision to net charge-offs | 83.7178% | 1,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7765% | 1,885 |
| Assets per employee ($millions) | 16.1736% | 171 |
| Cash dividends to net income (ytd only)* | 53.1309% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8639% | 171 |
| Loan loss allowance to noncurrent loans | 112.4567% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 1,330 |
| Noncurrent loans to loans | 2.5467% | 264 |
| Net loans and leases to total assets | 19.0834% | 4,727 |
| Net loans and leases to deposits | 20.8862% | 4,738 |
| Net loans and leases to core deposits | 23.0067% | 4,722 |
| Total domestic deposits to total assets | 91.3684% | 359 |
| Equity capital to assets | 8.5391% | 4,025 |
| Core capital (leverage) ratio | 9.7227% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9963% | 558 |
| Memoranda: | ||
| Average total assets | $394,227,000 | 2,012 |
| Average earning assets | $383,230,600 | 1,958 |
| Average equity | $36,128,800 | 2,238 |
| Average total loans | $74,628,400 | 3,573 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6925% | 4,813 |
| Cost of funding earning assets | 0.5492% | 834 |
| Net interest margin | 1.1433% | 4,849 |
| Noninterest income to average assets | 0.0194% | 4,848 |
| Noninterest expense to average assets | 0.7696% | 4,873 |
| Loan and lease loss provision to assets | -0.4200% | 4,866 |
| Net operating income to assets | 0.7815% | 3,571 |
| Return on assets (ROA) | 0.7815% | 3,636 |
| Pretax return on assets | 0.7815% | 3,926 |
| Return on Equity (ROE) | 8.3803% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.7303% | 3,319 |
| Net charge-offs to loans | -2.9907% | 4,874 |
| Credit loss provision to net charge-offs | 74.9241% | 1,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0409% | 1,830 |
| Assets per employee ($millions) | 13.2171% | 288 |
| Cash dividends to net income (ytd only)* | 43.5540% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6664% | 223 |
| Loan loss allowance to noncurrent loans | 115.4173% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5943% | 1,287 |
| Noncurrent loans to loans | 2.3102% | 352 |
| Net loans and leases to total assets | 25.0410% | 4,729 |
| Net loans and leases to deposits | 27.9649% | 4,740 |
| Net loans and leases to core deposits | 31.0573% | 4,705 |
| Total domestic deposits to total assets | 89.5444% | 986 |
| Equity capital to assets | 10.2891% | 2,623 |
| Core capital (leverage) ratio | 9.4419% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5211% | 568 |
| Memoranda: | ||
| Average total assets | $391,698,500 | 2,037 |
| Average earning assets | $380,890,500 | 1,984 |
| Average equity | $36,529,250 | 2,257 |
| Average total loans | $73,426,250 | 3,644 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5659% | 4,864 |
| Cost of funding earning assets | 0.5820% | 813 |
| Net interest margin | 0.9839% | 4,903 |
| Noninterest income to average assets | 0.0213% | 4,885 |
| Noninterest expense to average assets | 0.7761% | 4,909 |
| Loan and lease loss provision to assets | -0.6119% | 4,925 |
| Net operating income to assets | 0.8162% | 3,460 |
| Return on assets (ROA) | 0.8162% | 3,532 |
| Pretax return on assets | 0.8162% | 3,829 |
| Return on Equity (ROE) | 9.0275% | 3,089 |
| Retained earnings to average equity (ytd only) | 6.2852% | 2,701 |
| Net charge-offs to loans | -4.8887% | 4,912 |
| Credit loss provision to net charge-offs | 75.0152% | 1,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1603% | 839 |
| Assets per employee ($millions) | 14.2634% | 224 |
| Cash dividends to net income (ytd only)* | 30.3767% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2871% | 118 |
| Loan loss allowance to noncurrent loans | 121.4499% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 1,654 |
| Noncurrent loans to loans | 2.7065% | 286 |
| Net loans and leases to total assets | 18.0200% | 4,848 |
| Net loans and leases to deposits | 19.8426% | 4,859 |
| Net loans and leases to core deposits | 21.7231% | 4,849 |
| Total domestic deposits to total assets | 90.8144% | 433 |
| Equity capital to assets | 9.0567% | 3,751 |
| Core capital (leverage) ratio | 8.9253% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8780% | 715 |
| Memoranda: | ||
| Average total assets | $403,310,333 | 1,991 |
| Average earning assets | $393,122,000 | 1,943 |
| Average equity | $36,466,333 | 2,251 |
| Average total loans | $67,298,333 | 3,775 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4189% | 4,908 |
| Cost of funding earning assets | 0.6181% | 808 |
| Net interest margin | 0.8008% | 4,944 |
| Noninterest income to average assets | 0.0148% | 4,912 |
| Noninterest expense to average assets | 0.7304% | 4,949 |
| Loan and lease loss provision to assets | -1.2179% | 4,966 |
| Net operating income to assets | 1.2850% | 1,873 |
| Return on assets (ROA) | 1.2850% | 1,943 |
| Pretax return on assets | 1.2850% | 2,603 |
| Return on Equity (ROE) | 14.2239% | 1,389 |
| Retained earnings to average equity (ytd only) | 14.2239% | 734 |
| Net charge-offs to loans | -3.0373% | 4,934 |
| Credit loss provision to net charge-offs | 254.9587% | 810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5842% | 336 |
| Assets per employee ($millions) | 14.1262% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 566 |
| Loan loss allowance to noncurrent loans | 60.3570% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 1,823 |
| Noncurrent loans to loans | 3.3569% | 212 |
| Net loans and leases to total assets | 15.1679% | 4,894 |
| Net loans and leases to deposits | 16.6831% | 4,897 |
| Net loans and leases to core deposits | 18.1668% | 4,893 |
| Total domestic deposits to total assets | 90.9181% | 431 |
| Equity capital to assets | 8.9667% | 3,722 |
| Core capital (leverage) ratio | 8.9750% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6070% | 619 |
| Memoranda: | ||
| Average total assets | $405,278,500 | 1,975 |
| Average earning assets | $396,080,000 | 1,916 |
| Average equity | $36,614,500 | 2,224 |
| Average total loans | $63,741,000 | 3,852 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0631% | 4,909 |
| Cost of funding earning assets | 0.8514% | 1,015 |
| Net interest margin | 1.2116% | 4,944 |
| Noninterest income to average assets | 0.0297% | 4,901 |
| Noninterest expense to average assets | 0.7909% | 4,957 |
| Loan and lease loss provision to assets | -0.1561% | 4,971 |
| Net operating income to assets | 0.5697% | 3,846 |
| Return on assets (ROA) | 0.5697% | 3,950 |
| Pretax return on assets | 0.5697% | 4,147 |
| Return on Equity (ROE) | 6.0344% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.1399% | 3,266 |
| Net charge-offs to loans | -0.9831% | 4,961 |
| Credit loss provision to net charge-offs | 83.1025% | 2,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6655% | 2,586 |
| Assets per employee ($millions) | 13.3632% | 242 |
| Cash dividends to net income (ytd only)* | 47.9671% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1767% | 126 |
| Loan loss allowance to noncurrent loans | 98.8824% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 2,018 |
| Noncurrent loans to loans | 3.2126% | 246 |
| Net loans and leases to total assets | 15.4716% | 4,914 |
| Net loans and leases to deposits | 17.0426% | 4,922 |
| Net loans and leases to core deposits | 18.5460% | 4,915 |
| Total domestic deposits to total assets | 90.7814% | 284 |
| Equity capital to assets | 9.1036% | 3,971 |
| Core capital (leverage) ratio | 9.0618% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0102% | 660 |
| Memoranda: | ||
| Average total assets | $384,254,000 | 1,913 |
| Average earning assets | $372,550,000 | 1,863 |
| Average equity | $36,275,600 | 2,164 |
| Average total loans | $73,443,600 | 3,669 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2129% | 4,947 |
| Cost of funding earning assets | 0.8983% | 1,075 |
| Net interest margin | 1.3146% | 4,982 |
| Noninterest income to average assets | 0.0312% | 4,928 |
| Noninterest expense to average assets | 0.7973% | 4,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5079% | 4,005 |
| Return on assets (ROA) | 0.5079% | 4,104 |
| Pretax return on assets | 0.5079% | 4,263 |
| Return on Equity (ROE) | 5.3302% | 3,780 |
| Retained earnings to average equity (ytd only) | 3.4896% | 3,307 |
| Net charge-offs to loans | -1.2666% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0857% | 3,202 |
| Assets per employee ($millions) | 12.3730% | 300 |
| Cash dividends to net income (ytd only)* | 34.5304% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5406% | 89 |
| Loan loss allowance to noncurrent loans | 122.5221% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 1,994 |
| Noncurrent loans to loans | 2.8898% | 334 |
| Net loans and leases to total assets | 19.3251% | 4,933 |
| Net loans and leases to deposits | 21.4846% | 4,945 |
| Net loans and leases to core deposits | 23.4907% | 4,935 |
| Total domestic deposits to total assets | 89.9488% | 443 |
| Equity capital to assets | 9.8693% | 3,361 |
| Core capital (leverage) ratio | 9.3097% | 3,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5757% | 617 |
| Memoranda: | ||
| Average total assets | $380,093,250 | 1,905 |
| Average earning assets | $368,372,750 | 1,852 |
| Average equity | $36,220,500 | 2,156 |
| Average total loans | $75,789,500 | 3,645 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4100% | 4,979 |
| Cost of funding earning assets | 0.9455% | 1,170 |
| Net interest margin | 1.4645% | 5,012 |
| Noninterest income to average assets | 0.1592% | 4,495 |
| Noninterest expense to average assets | 0.8646% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7132% | 3,348 |
| Return on assets (ROA) | 0.7132% | 3,461 |
| Pretax return on assets | 0.7132% | 3,841 |
| Return on Equity (ROE) | 7.5715% | 2,906 |
| Retained earnings to average equity (ytd only) | 7.5715% | 1,435 |
| Net charge-offs to loans | -0.1495% | 4,907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7981% | 4,085 |
| Assets per employee ($millions) | 13.2097% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3620% | 265 |
| Loan loss allowance to noncurrent loans | 94.1233% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,171 |
| Noncurrent loans to loans | 2.5095% | 465 |
| Net loans and leases to total assets | 21.2576% | 4,950 |
| Net loans and leases to deposits | 23.6104% | 4,967 |
| Net loans and leases to core deposits | 25.8844% | 4,956 |
| Total domestic deposits to total assets | 90.0348% | 392 |
| Equity capital to assets | 9.7775% | 3,395 |
| Core capital (leverage) ratio | 9.2460% | 3,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4552% | 632 |
| Memoranda: | ||
| Average total assets | $383,061,000 | 1,880 |
| Average earning assets | $371,039,667 | 1,815 |
| Average equity | $36,082,667 | 2,152 |
| Average total loans | $76,264,000 | 3,642 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4357% | 5,053 |
| Cost of funding earning assets | 0.9976% | 1,431 |
| Net interest margin | 1.4381% | 5,081 |
| Noninterest income to average assets | 0.0188% | 5,024 |
| Noninterest expense to average assets | 0.9440% | 5,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4657% | 3,982 |
| Return on assets (ROA) | 0.7560% | 3,149 |
| Pretax return on assets | 0.7560% | 3,533 |
| Return on Equity (ROE) | 8.1817% | 2,437 |
| Retained earnings to average equity (ytd only) | 8.1817% | 1,174 |
| Net charge-offs to loans | -0.4787% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9630% | 2,824 |
| Assets per employee ($millions) | 15.1936% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1645% | 130 |
| Loan loss allowance to noncurrent loans | 194.9318% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2701% | 3,377 |
| Noncurrent loans to loans | 1.6234% | 951 |
| Net loans and leases to total assets | 16.1124% | 5,028 |
| Net loans and leases to deposits | 17.8588% | 5,038 |
| Net loans and leases to core deposits | 19.5139% | 5,031 |
| Total domestic deposits to total assets | 90.2209% | 264 |
| Equity capital to assets | 9.5796% | 4,150 |
| Core capital (leverage) ratio | 9.1217% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3535% | 716 |
| Memoranda: | ||
| Average total assets | $383,050,500 | 1,828 |
| Average earning assets | $370,483,000 | 1,775 |
| Average equity | $35,396,000 | 2,178 |
| Average total loans | $72,694,000 | 3,710 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0382% | 5,046 |
| Cost of funding earning assets | 0.8836% | 2,266 |
| Net interest margin | 2.1545% | 5,068 |
| Noninterest income to average assets | 0.0360% | 5,064 |
| Noninterest expense to average assets | 0.9322% | 5,128 |
| Loan and lease loss provision to assets | 0.7028% | 160 |
| Net operating income to assets | 0.4813% | 4,445 |
| Return on assets (ROA) | 0.7770% | 3,702 |
| Pretax return on assets | 0.7770% | 4,024 |
| Return on Equity (ROE) | 7.9681% | 3,174 |
| Retained earnings to average equity (ytd only) | 3.8601% | 3,038 |
| Net charge-offs to loans | 2.6668% | 42 |
| Credit loss provision to net charge-offs | 112.1579% | 2,234 |
| Earnings coverage of net charge-offs (x) | 1.8896% | 3,483 |
| Efficiency ratio | 44.0489% | 4,974 |
| Assets per employee ($millions) | 13.3194% | 171 |
| Cash dividends to net income (ytd only)* | 51.5557% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3276% | 273 |
| Loan loss allowance to noncurrent loans | 94.6093% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 2,321 |
| Noncurrent loans to loans | 2.4602% | 446 |
| Net loans and leases to total assets | 20.7823% | 5,066 |
| Net loans and leases to deposits | 22.8603% | 5,087 |
| Net loans and leases to core deposits | 24.7730% | 5,073 |
| Total domestic deposits to total assets | 90.9101% | 128 |
| Equity capital to assets | 8.9072% | 4,729 |
| Core capital (leverage) ratio | 9.3713% | 4,196 |
| Tier 1 risk-based capital ratio | 19.4492% | 1,426 |
| Total risk-based capital ratio | 20.5338% | 1,426 |
| Memoranda: | ||
| Average total assets | $355,715,400 | 1,890 |
| Average earning assets | $343,461,800 | 1,836 |
| Average equity | $34,688,200 | 2,159 |
| Average total loans | $83,582,000 | 3,532 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0959% | 5,127 |
| Cost of funding earning assets | 0.8429% | 2,499 |
| Net interest margin | 2.2530% | 5,137 |
| Noninterest income to average assets | 0.0341% | 5,142 |
| Noninterest expense to average assets | 0.9339% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2759% | 1,929 |
| Return on assets (ROA) | 1.6724% | 831 |
| Pretax return on assets | 1.6724% | 1,412 |
| Return on Equity (ROE) | 16.7473% | 509 |
| Retained earnings to average equity (ytd only) | 12.4320% | 333 |
| Net charge-offs to loans | -0.2145% | 5,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2604% | 5,073 |
| Assets per employee ($millions) | 12.4080% | 192 |
| Cash dividends to net income (ytd only)* | 25.7672% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 718 |
| Loan loss allowance to noncurrent loans | 41.5381% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 1,012 |
| Noncurrent loans to loans | 4.2727% | 149 |
| Net loans and leases to total assets | 28.3075% | 5,081 |
| Net loans and leases to deposits | 31.7525% | 5,111 |
| Net loans and leases to core deposits | 34.6223% | 5,097 |
| Total domestic deposits to total assets | 89.1504% | 569 |
| Equity capital to assets | 10.6144% | 3,453 |
| Core capital (leverage) ratio | 10.5217% | 3,091 |
| Tier 1 risk-based capital ratio | 20.5443% | 1,273 |
| Total risk-based capital ratio | 21.5885% | 1,277 |
| Memoranda: | ||
| Average total assets | $348,078,750 | 1,927 |
| Average earning assets | $336,136,250 | 1,873 |
| Average equity | $34,759,000 | 2,161 |
| Average total loans | $83,930,750 | 3,564 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0069% | 5,205 |
| Cost of funding earning assets | 0.8005% | 2,639 |
| Net interest margin | 2.2064% | 5,206 |
| Noninterest income to average assets | 0.0408% | 5,183 |
| Noninterest expense to average assets | 0.9836% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1858% | 2,201 |
| Return on assets (ROA) | 1.2231% | 2,120 |
| Pretax return on assets | 1.2231% | 2,832 |
| Return on Equity (ROE) | 12.5099% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.1050% | 1,347 |
| Net charge-offs to loans | -0.0586% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3415% | 5,013 |
| Assets per employee ($millions) | 11.4462% | 241 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9036% | 560 |
| Loan loss allowance to noncurrent loans | 39.7849% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 1,080 |
| Noncurrent loans to loans | 4.7847% | 114 |
| Net loans and leases to total assets | 24.9867% | 5,167 |
| Net loans and leases to deposits | 27.9646% | 5,186 |
| Net loans and leases to core deposits | 30.5400% | 5,176 |
| Total domestic deposits to total assets | 89.3513% | 523 |
| Equity capital to assets | 10.4326% | 3,583 |
| Core capital (leverage) ratio | 9.8770% | 3,735 |
| Tier 1 risk-based capital ratio | 18.2812% | 1,732 |
| Total risk-based capital ratio | 19.2540% | 1,760 |
| Memoranda: | ||
| Average total assets | $348,297,000 | 1,940 |
| Average earning assets | $336,025,670 | 1,886 |
| Average equity | $34,053,000 | 2,193 |
| Average total loans | $78,533,000 | 3,684 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9644% | 5,280 |
| Cost of funding earning assets | 0.7310% | 2,883 |
| Net interest margin | 2.2334% | 5,266 |
| Noninterest income to average assets | 0.0228% | 5,270 |
| Noninterest expense to average assets | 1.0674% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0982% | 2,479 |
| Return on assets (ROA) | 1.0800% | 2,590 |
| Pretax return on assets | 1.0800% | 3,206 |
| Return on Equity (ROE) | 11.4208% | 1,772 |
| Retained earnings to average equity (ytd only) | 11.4208% | 718 |
| Net charge-offs to loans | -0.1188% | 5,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2891% | 4,872 |
| Assets per employee ($millions) | 12.5421% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4788% | 253 |
| Loan loss allowance to noncurrent loans | 31.9693% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 815 |
| Noncurrent loans to loans | 7.7537% | 48 |
| Net loans and leases to total assets | 18.6415% | 5,272 |
| Net loans and leases to deposits | 20.7180% | 5,277 |
| Net loans and leases to core deposits | 22.4404% | 5,270 |
| Total domestic deposits to total assets | 89.9777% | 454 |
| Equity capital to assets | 9.8323% | 3,986 |
| Core capital (leverage) ratio | 9.6387% | 3,982 |
| Tier 1 risk-based capital ratio | 19.6130% | 1,419 |
| Total risk-based capital ratio | 20.6665% | 1,434 |
| Memoranda: | ||
| Average total assets | $350,752,500 | 1,946 |
| Average earning assets | $336,521,500 | 1,894 |
| Average equity | $33,167,500 | 2,245 |
| Average total loans | $74,066,500 | 3,800 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7549% | 5,302 |
| Cost of funding earning assets | 0.5326% | 3,162 |
| Net interest margin | 2.2222% | 5,299 |
| Noninterest income to average assets | 0.0398% | 5,292 |
| Noninterest expense to average assets | 0.8899% | 5,365 |
| Loan and lease loss provision to assets | 0.5900% | 189 |
| Net operating income to assets | 0.7082% | 4,117 |
| Return on assets (ROA) | 0.6973% | 4,147 |
| Pretax return on assets | 0.6973% | 4,423 |
| Return on Equity (ROE) | 7.5195% | 3,654 |
| Retained earnings to average equity (ytd only) | 2.8337% | 3,984 |
| Net charge-offs to loans | 2.4295% | 42 |
| Credit loss provision to net charge-offs | 100.2503% | 2,505 |
| Earnings coverage of net charge-offs (x) | 2.2057% | 3,547 |
| Efficiency ratio | 40.6704% | 5,274 |
| Assets per employee ($millions) | 12.5117% | 176 |
| Cash dividends to net income (ytd only)* | 62.3152% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0271% | 450 |
| Loan loss allowance to noncurrent loans | 45.6618% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.0265% | 1,333 |
| Noncurrent loans to loans | 4.4393% | 144 |
| Net loans and leases to total assets | 22.6537% | 5,290 |
| Net loans and leases to deposits | 24.9590% | 5,298 |
| Net loans and leases to core deposits | 26.9301% | 5,296 |
| Total domestic deposits to total assets | 90.7638% | 256 |
| Equity capital to assets | 9.0789% | 4,512 |
| Core capital (leverage) ratio | 9.6025% | 4,000 |
| Tier 1 risk-based capital ratio | 18.3714% | 1,651 |
| Total risk-based capital ratio | 19.2913% | 1,703 |
| Memoranda: | ||
| Average total assets | $339,474,600 | 1,954 |
| Average earning assets | $328,183,000 | 1,899 |
| Average equity | $31,478,000 | 2,254 |
| Average total loans | $82,239,200 | 3,618 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7057% | 5,377 |
| Cost of funding earning assets | 0.5005% | 3,197 |
| Net interest margin | 2.2053% | 5,382 |
| Noninterest income to average assets | 0.0420% | 5,359 |
| Noninterest expense to average assets | 0.8770% | 5,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3022% | 1,844 |
| Return on assets (ROA) | 1.2875% | 1,905 |
| Pretax return on assets | 1.2875% | 2,669 |
| Return on Equity (ROE) | 13.8103% | 1,171 |
| Retained earnings to average equity (ytd only) | 10.0944% | 891 |
| Net charge-offs to loans | -0.4652% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2435% | 5,327 |
| Assets per employee ($millions) | 12.5204% | 174 |
| Cash dividends to net income (ytd only)* | 26.9066% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2529% | 323 |
| Loan loss allowance to noncurrent loans | 41.7933% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 988 |
| Noncurrent loans to loans | 5.3905% | 104 |
| Net loans and leases to total assets | 24.7067% | 5,344 |
| Net loans and leases to deposits | 27.3462% | 5,365 |
| Net loans and leases to core deposits | 29.6458% | 5,349 |
| Total domestic deposits to total assets | 90.3479% | 395 |
| Equity capital to assets | 9.4708% | 4,109 |
| Core capital (leverage) ratio | 10.3013% | 3,289 |
| Tier 1 risk-based capital ratio | 19.8742% | 1,361 |
| Total risk-based capital ratio | 21.0099% | 1,354 |
| Memoranda: | ||
| Average total assets | $336,761,500 | 1,970 |
| Average earning assets | $326,362,500 | 1,914 |
| Average equity | $31,396,000 | 2,260 |
| Average total loans | $82,548,000 | 3,644 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5924% | 5,459 |
| Cost of funding earning assets | 0.4869% | 3,114 |
| Net interest margin | 2.1055% | 5,457 |
| Noninterest income to average assets | 0.0458% | 5,414 |
| Noninterest expense to average assets | 0.9699% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1150% | 2,532 |
| Return on assets (ROA) | 1.0995% | 2,591 |
| Pretax return on assets | 1.0995% | 3,317 |
| Return on Equity (ROE) | 11.8566% | 1,776 |
| Retained earnings to average equity (ytd only) | 8.1695% | 1,551 |
| Net charge-offs to loans | -0.0368% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5203% | 5,189 |
| Assets per employee ($millions) | 10.3808% | 285 |
| Cash dividends to net income (ytd only)* | 31.0979% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 596 |
| Loan loss allowance to noncurrent loans | 33.9708% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 879 |
| Noncurrent loans to loans | 5.6823% | 100 |
| Net loans and leases to total assets | 26.0810% | 5,382 |
| Net loans and leases to deposits | 28.9524% | 5,409 |
| Net loans and leases to core deposits | 31.5380% | 5,390 |
| Total domestic deposits to total assets | 90.0825% | 544 |
| Equity capital to assets | 9.7457% | 3,877 |
| Core capital (leverage) ratio | 10.1196% | 3,459 |
| Tier 1 risk-based capital ratio | 20.2352% | 1,283 |
| Total risk-based capital ratio | 21.3181% | 1,279 |
| Memoranda: | ||
| Average total assets | $336,332,000 | 1,981 |
| Average earning assets | $325,719,000 | 1,927 |
| Average equity | $31,189,330 | 2,277 |
| Average total loans | $81,582,000 | 3,685 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5246% | 5,531 |
| Cost of funding earning assets | 0.4793% | 2,971 |
| Net interest margin | 2.0453% | 5,533 |
| Noninterest income to average assets | 0.0314% | 5,513 |
| Noninterest expense to average assets | 0.9267% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0768% | 2,537 |
| Return on assets (ROA) | 1.0757% | 2,554 |
| Pretax return on assets | 1.0757% | 3,261 |
| Return on Equity (ROE) | 11.8831% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.8831% | 701 |
| Net charge-offs to loans | -0.0251% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2522% | 5,265 |
| Assets per employee ($millions) | 11.5675% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3804% | 292 |
| Loan loss allowance to noncurrent loans | 40.7040% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 1,265 |
| Noncurrent loans to loans | 5.8480% | 108 |
| Net loans and leases to total assets | 20.0737% | 5,504 |
| Net loans and leases to deposits | 22.1686% | 5,516 |
| Net loans and leases to core deposits | 23.9154% | 5,506 |
| Total domestic deposits to total assets | 90.5502% | 456 |
| Equity capital to assets | 9.3147% | 4,254 |
| Core capital (leverage) ratio | 9.5979% | 3,962 |
| Tier 1 risk-based capital ratio | 21.9800% | 1,053 |
| Total risk-based capital ratio | 23.1290% | 1,044 |
| Memoranda: | ||
| Average total assets | $343,595,500 | 1,971 |
| Average earning assets | $331,299,500 | 1,918 |
| Average equity | $31,103,000 | 2,297 |
| Average total loans | $79,582,000 | 3,751 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5813% | 5,530 |
| Cost of funding earning assets | 0.5109% | 2,245 |
| Net interest margin | 2.0705% | 5,561 |
| Noninterest income to average assets | 0.0453% | 5,546 |
| Noninterest expense to average assets | 0.8720% | 5,629 |
| Loan and lease loss provision to assets | 0.1900% | 1,110 |
| Net operating income to assets | 0.9812% | 2,322 |
| Return on assets (ROA) | 0.9806% | 2,364 |
| Pretax return on assets | 0.9806% | 3,643 |
| Return on Equity (ROE) | 10.0211% | 1,877 |
| Retained earnings to average equity (ytd only) | 5.3293% | 1,910 |
| Net charge-offs to loans | 1.1210% | 151 |
| Credit loss provision to net charge-offs | 59.0551% | 3,227 |
| Earnings coverage of net charge-offs (x) | 3.6407% | 3,579 |
| Efficiency ratio | 42.6778% | 5,482 |
| Assets per employee ($millions) | 12.1287% | 179 |
| Cash dividends to net income (ytd only)* | 46.8195% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 759 |
| Loan loss allowance to noncurrent loans | 41.8992% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 1,360 |
| Noncurrent loans to loans | 4.3323% | 201 |
| Net loans and leases to total assets | 25.1742% | 5,515 |
| Net loans and leases to deposits | 27.6544% | 5,545 |
| Net loans and leases to core deposits | 29.7494% | 5,535 |
| Total domestic deposits to total assets | 91.0315% | 234 |
| Equity capital to assets | 8.8018% | 4,899 |
| Core capital (leverage) ratio | 9.8462% | 3,643 |
| Tier 1 risk-based capital ratio | 18.5803% | 1,625 |
| Total risk-based capital ratio | 19.5277% | 1,668 |
| Memoranda: | ||
| Average total assets | $315,827,400 | 2,087 |
| Average earning assets | $304,764,000 | 2,017 |
| Average equity | $30,904,800 | 2,297 |
| Average total loans | $90,635,600 | 3,512 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5382% | 5,603 |
| Cost of funding earning assets | 0.5210% | 2,101 |
| Net interest margin | 2.0171% | 5,639 |
| Noninterest income to average assets | 0.0456% | 5,621 |
| Noninterest expense to average assets | 0.8968% | 5,693 |
| Loan and lease loss provision to assets | 0.0869% | 2,348 |
| Net operating income to assets | 1.0098% | 2,517 |
| Return on assets (ROA) | 1.0098% | 2,554 |
| Pretax return on assets | 1.0098% | 3,650 |
| Return on Equity (ROE) | 10.0306% | 2,119 |
| Retained earnings to average equity (ytd only) | 6.4699% | 1,974 |
| Net charge-offs to loans | 0.5466% | 368 |
| Credit loss provision to net charge-offs | 53.7634% | 2,869 |
| Earnings coverage of net charge-offs (x) | 6.7849% | 2,941 |
| Efficiency ratio | 44.9869% | 5,453 |
| Assets per employee ($millions) | 12.1330% | 175 |
| Cash dividends to net income (ytd only)* | 35.4990% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 851 |
| Loan loss allowance to noncurrent loans | 41.8838% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4806% | 1,031 |
| Noncurrent loans to loans | 4.3077% | 216 |
| Net loans and leases to total assets | 33.7503% | 5,421 |
| Net loans and leases to deposits | 37.7636% | 5,464 |
| Net loans and leases to core deposits | 41.2485% | 5,432 |
| Total domestic deposits to total assets | 89.3725% | 713 |
| Equity capital to assets | 10.4551% | 3,417 |
| Core capital (leverage) ratio | 10.5693% | 2,909 |
| Tier 1 risk-based capital ratio | 18.2983% | 1,777 |
| Total risk-based capital ratio | 19.3896% | 1,775 |
| Memoranda: | ||
| Average total assets | $306,851,000 | 2,145 |
| Average earning assets | $296,319,500 | 2,071 |
| Average equity | $30,891,250 | 2,313 |
| Average total loans | $90,748,750 | 3,544 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5477% | 5,645 |
| Cost of funding earning assets | 0.5428% | 1,822 |
| Net interest margin | 2.0049% | 5,691 |
| Noninterest income to average assets | 0.0565% | 5,638 |
| Noninterest expense to average assets | 0.9519% | 5,739 |
| Loan and lease loss provision to assets | 0.1299% | 1,601 |
| Net operating income to assets | 0.8142% | 3,338 |
| Return on assets (ROA) | 0.8142% | 3,389 |
| Pretax return on assets | 0.8142% | 4,219 |
| Return on Equity (ROE) | 8.1914% | 2,923 |
| Retained earnings to average equity (ytd only) | 4.5987% | 2,976 |
| Net charge-offs to loans | 1.4447% | 127 |
| Credit loss provision to net charge-offs | 32.1027% | 2,711 |
| Earnings coverage of net charge-offs (x) | 2.3339% | 3,169 |
| Efficiency ratio | 50.2055% | 5,295 |
| Assets per employee ($millions) | 11.9332% | 176 |
| Cash dividends to net income (ytd only)* | 43.8596% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7804% | 921 |
| Loan loss allowance to noncurrent loans | 36.1499% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.5114% | 999 |
| Noncurrent loans to loans | 4.9250% | 156 |
| Net loans and leases to total assets | 30.1424% | 5,543 |
| Net loans and leases to deposits | 33.6987% | 5,578 |
| Net loans and leases to core deposits | 36.7308% | 5,556 |
| Total domestic deposits to total assets | 89.4466% | 744 |
| Equity capital to assets | 10.3905% | 3,466 |
| Core capital (leverage) ratio | 10.1605% | 3,323 |
| Tier 1 risk-based capital ratio | 17.8360% | 1,908 |
| Total risk-based capital ratio | 18.8153% | 1,940 |
| Memoranda: | ||
| Average total assets | $308,026,330 | 2,146 |
| Average earning assets | $282,613,000 | 2,162 |
| Average equity | $30,617,330 | 2,328 |
| Average total loans | $86,247,000 | 3,651 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5690% | 5,697 |
| Cost of funding earning assets | 0.5445% | 1,750 |
| Net interest margin | 2.0245% | 5,752 |
| Noninterest income to average assets | 0.0384% | 5,747 |
| Noninterest expense to average assets | 0.9946% | 5,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8502% | 2,992 |
| Return on assets (ROA) | 0.8502% | 3,034 |
| Pretax return on assets | 0.8502% | 3,942 |
| Return on Equity (ROE) | 8.7422% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.7422% | 1,172 |
| Net charge-offs to loans | 3.0385% | 50 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.0472% | 2,765 |
| Efficiency ratio | 53.9155% | 5,133 |
| Assets per employee ($millions) | 10.0751% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 658 |
| Loan loss allowance to noncurrent loans | 30.7126% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.4783% | 1,101 |
| Noncurrent loans to loans | 6.5408% | 89 |
| Net loans and leases to total assets | 22.1466% | 5,727 |
| Net loans and leases to deposits | 24.6209% | 5,741 |
| Net loans and leases to core deposits | 26.7049% | 5,724 |
| Total domestic deposits to total assets | 89.9503% | 684 |
| Equity capital to assets | 9.8829% | 3,892 |
| Core capital (leverage) ratio | 9.7997% | 3,755 |
| Tier 1 risk-based capital ratio | 20.5614% | 1,292 |
| Total risk-based capital ratio | 21.5489% | 1,300 |
| Memoranda: | ||
| Average total assets | $312,874,000 | 2,133 |
| Average earning assets | $279,175,000 | 2,193 |
| Average equity | $30,427,000 | 2,346 |
| Average total loans | $83,593,500 | 3,727 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5945% | 5,729 |
| Cost of funding earning assets | 0.5301% | 1,867 |
| Net interest margin | 2.0644% | 5,794 |
| Noninterest income to average assets | 0.0542% | 5,757 |
| Noninterest expense to average assets | 0.9554% | 5,864 |
| Loan and lease loss provision to assets | 0.0337% | 3,690 |
| Net operating income to assets | 1.0550% | 2,112 |
| Return on assets (ROA) | 1.0786% | 2,094 |
| Pretax return on assets | 1.0786% | 3,185 |
| Return on Equity (ROE) | 10.7638% | 1,662 |
| Retained earnings to average equity (ytd only) | 6.2285% | 1,590 |
| Net charge-offs to loans | -0.1639% | 5,704 |
| Credit loss provision to net charge-offs | -64.1026% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7391% | 5,620 |
| Assets per employee ($millions) | 12.0546% | 170 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1253% | 525 |
| Loan loss allowance to noncurrent loans | 39.2168% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.6703% | 933 |
| Noncurrent loans to loans | 5.4193% | 133 |
| Net loans and leases to total assets | 30.1659% | 5,642 |
| Net loans and leases to deposits | 33.4198% | 5,688 |
| Net loans and leases to core deposits | 36.5495% | 5,667 |
| Total domestic deposits to total assets | 90.2635% | 531 |
| Equity capital to assets | 9.5677% | 4,197 |
| Core capital (leverage) ratio | 10.2616% | 3,157 |
| Tier 1 risk-based capital ratio | 17.7638% | 1,918 |
| Total risk-based capital ratio | 18.9627% | 1,905 |
| Memoranda: | ||
| Average total assets | $297,060,800 | 2,183 |
| Average earning assets | $286,336,000 | 2,120 |
| Average equity | $29,766,400 | 2,369 |
| Average total loans | $95,203,200 | 3,477 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5766% | 5,800 |
| Cost of funding earning assets | 0.5373% | 1,814 |
| Net interest margin | 2.0393% | 5,866 |
| Noninterest income to average assets | 0.0555% | 5,823 |
| Noninterest expense to average assets | 0.9744% | 5,927 |
| Loan and lease loss provision to assets | 0.0455% | 3,333 |
| Net operating income to assets | 1.0067% | 2,405 |
| Return on assets (ROA) | 1.0353% | 2,388 |
| Pretax return on assets | 1.0353% | 3,495 |
| Return on Equity (ROE) | 10.2091% | 1,967 |
| Retained earnings to average equity (ytd only) | 6.5069% | 1,911 |
| Net charge-offs to loans | -0.1996% | 5,765 |
| Credit loss provision to net charge-offs | -70.4225% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0799% | 5,592 |
| Assets per employee ($millions) | 9.0694% | 397 |
| Cash dividends to net income (ytd only)* | 36.2636% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 916 |
| Loan loss allowance to noncurrent loans | 40.6175% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 928 |
| Noncurrent loans to loans | 4.5713% | 207 |
| Net loans and leases to total assets | 38.3342% | 5,454 |
| Net loans and leases to deposits | 43.1536% | 5,542 |
| Net loans and leases to core deposits | 47.8930% | 5,458 |
| Total domestic deposits to total assets | 88.8320% | 994 |
| Equity capital to assets | 10.9226% | 3,094 |
| Core capital (leverage) ratio | 10.4885% | 3,007 |
| Tier 1 risk-based capital ratio | 17.6917% | 2,012 |
| Total risk-based capital ratio | 18.9110% | 1,979 |
| Memoranda: | ||
| Average total assets | $292,971,000 | 2,215 |
| Average earning assets | $283,156,750 | 2,142 |
| Average equity | $29,711,250 | 2,384 |
| Average total loans | $94,854,250 | 3,496 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4416% | 5,915 |
| Cost of funding earning assets | 0.5357% | 1,820 |
| Net interest margin | 1.9059% | 5,968 |
| Noninterest income to average assets | 0.0579% | 5,898 |
| Noninterest expense to average assets | 1.0118% | 6,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8817% | 2,959 |
| Return on assets (ROA) | 0.9154% | 2,922 |
| Pretax return on assets | 0.9154% | 3,894 |
| Return on Equity (ROE) | 9.2516% | 2,378 |
| Retained earnings to average equity (ytd only) | 5.5074% | 2,416 |
| Net charge-offs to loans | -0.3182% | 5,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4329% | 5,357 |
| Assets per employee ($millions) | 10.5315% | 236 |
| Cash dividends to net income (ytd only)* | 40.4709% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 691 |
| Loan loss allowance to noncurrent loans | 38.9089% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 1.7535% | 1,000 |
| Noncurrent loans to loans | 5.2325% | 162 |
| Net loans and leases to total assets | 32.8289% | 5,716 |
| Net loans and leases to deposits | 36.7985% | 5,771 |
| Net loans and leases to core deposits | 40.7330% | 5,720 |
| Total domestic deposits to total assets | 89.2126% | 803 |
| Equity capital to assets | 10.5757% | 3,552 |
| Core capital (leverage) ratio | 10.0495% | 3,514 |
| Tier 1 risk-based capital ratio | 18.3016% | 1,850 |
| Total risk-based capital ratio | 19.5514% | 1,814 |
| Memoranda: | ||
| Average total assets | $296,911,000 | 2,202 |
| Average earning assets | $285,956,670 | 2,139 |
| Average equity | $29,378,670 | 2,412 |
| Average total loans | $89,867,000 | 3,616 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3643% | 6,007 |
| Cost of funding earning assets | 0.5350% | 1,827 |
| Net interest margin | 1.8293% | 6,039 |
| Noninterest income to average assets | 0.0541% | 5,957 |
| Noninterest expense to average assets | 1.0053% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8035% | 3,225 |
| Return on assets (ROA) | 0.8035% | 3,340 |
| Pretax return on assets | 0.8035% | 4,182 |
| Return on Equity (ROE) | 8.3907% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.3907% | 1,304 |
| Net charge-offs to loans | 0.0505% | 2,030 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 55.3636% | 818 |
| Efficiency ratio | 55.5799% | 5,230 |
| Assets per employee ($millions) | 9.5129% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3401% | 481 |
| Loan loss allowance to noncurrent loans | 35.1921% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 1,116 |
| Noncurrent loans to loans | 6.6495% | 115 |
| Net loans and leases to total assets | 25.2749% | 5,930 |
| Net loans and leases to deposits | 28.1637% | 5,950 |
| Net loans and leases to core deposits | 31.0010% | 5,934 |
| Total domestic deposits to total assets | 89.7430% | 712 |
| Equity capital to assets | 10.0922% | 3,959 |
| Core capital (leverage) ratio | 9.5647% | 4,085 |
| Tier 1 risk-based capital ratio | 20.7903% | 1,346 |
| Total risk-based capital ratio | 22.0411% | 1,319 |
| Memoranda: | ||
| Average total assets | $303,191,500 | 2,164 |
| Average earning assets | $290,824,000 | 2,120 |
| Average equity | $29,032,000 | 2,429 |
| Average total loans | $87,156,000 | 3,675 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 5,660 |
| Cost of funding earning assets | 0.5502% | 1,753 |
| Net interest margin | 2.5284% | 5,812 |
| Noninterest income to average assets | 0.0509% | 6,002 |
| Noninterest expense to average assets | 0.8773% | 6,135 |
| Loan and lease loss provision to assets | 0.4379% | 282 |
| Net operating income to assets | 1.1741% | 1,656 |
| Return on assets (ROA) | 1.2137% | 1,574 |
| Pretax return on assets | 1.2137% | 2,608 |
| Return on Equity (ROE) | 13.0542% | 1,049 |
| Retained earnings to average equity (ytd only) | 6.9841% | 1,284 |
| Net charge-offs to loans | 1.4646% | 107 |
| Credit loss provision to net charge-offs | 97.2622% | 2,609 |
| Earnings coverage of net charge-offs (x) | 3.5807% | 3,707 |
| Efficiency ratio | 35.2443% | 6,113 |
| Assets per employee ($millions) | 11.9801% | 151 |
| Cash dividends to net income (ytd only)* | 46.4992% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 1,074 |
| Loan loss allowance to noncurrent loans | 112.1723% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 3,584 |
| Noncurrent loans to loans | 1.6349% | 1,398 |
| Net loans and leases to total assets | 30.8824% | 5,867 |
| Net loans and leases to deposits | 34.0356% | 5,932 |
| Net loans and leases to core deposits | 36.4048% | 5,911 |
| Total domestic deposits to total assets | 90.7356% | 366 |
| Equity capital to assets | 9.0862% | 5,030 |
| Core capital (leverage) ratio | 9.5124% | 4,155 |
| Tier 1 risk-based capital ratio | 17.8293% | 2,017 |
| Total risk-based capital ratio | 18.9512% | 2,006 |
| Memoranda: | ||
| Average total assets | $308,322,800 | 2,102 |
| Average earning assets | $297,346,000 | 2,031 |
| Average equity | $28,665,200 | 2,411 |
| Average total loans | $94,767,600 | 3,481 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0725% | 5,736 |
| Cost of funding earning assets | 0.5545% | 1,765 |
| Net interest margin | 2.5180% | 5,901 |
| Noninterest income to average assets | 0.0494% | 6,098 |
| Noninterest expense to average assets | 0.8732% | 6,225 |
| Loan and lease loss provision to assets | 0.3468% | 388 |
| Net operating income to assets | 1.2629% | 1,443 |
| Return on assets (ROA) | 1.3145% | 1,355 |
| Pretax return on assets | 1.3145% | 2,335 |
| Return on Equity (ROE) | 14.0582% | 893 |
| Retained earnings to average equity (ytd only) | 8.7724% | 984 |
| Net charge-offs to loans | 1.2019% | 135 |
| Credit loss provision to net charge-offs | 94.4510% | 2,403 |
| Earnings coverage of net charge-offs (x) | 4.3837% | 3,357 |
| Efficiency ratio | 35.1668% | 6,192 |
| Assets per employee ($millions) | 9.3177% | 338 |
| Cash dividends to net income (ytd only)* | 37.5989% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,787 |
| Loan loss allowance to noncurrent loans | 123.9085% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 3,826 |
| Noncurrent loans to loans | 1.2933% | 1,977 |
| Net loans and leases to total assets | 38.0096% | 5,703 |
| Net loans and leases to deposits | 42.3337% | 5,793 |
| Net loans and leases to core deposits | 46.3446% | 5,725 |
| Total domestic deposits to total assets | 89.7856% | 660 |
| Equity capital to assets | 10.0063% | 4,139 |
| Core capital (leverage) ratio | 9.1558% | 4,799 |
| Tier 1 risk-based capital ratio | 17.6214% | 2,151 |
| Total risk-based capital ratio | 18.7511% | 2,142 |
| Memoranda: | ||
| Average total assets | $307,533,000 | 2,119 |
| Average earning assets | $297,207,750 | 2,045 |
| Average equity | $28,756,000 | 2,423 |
| Average total loans | $93,962,000 | 3,534 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6581% | 6,096 |
| Cost of funding earning assets | 0.5497% | 1,819 |
| Net interest margin | 2.1084% | 6,172 |
| Noninterest income to average assets | 0.0580% | 6,149 |
| Noninterest expense to average assets | 0.9020% | 6,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1926% | 1,625 |
| Return on assets (ROA) | 1.2525% | 1,513 |
| Pretax return on assets | 1.2525% | 2,539 |
| Return on Equity (ROE) | 13.6900% | 962 |
| Retained earnings to average equity (ytd only) | 8.5345% | 1,066 |
| Net charge-offs to loans | -0.3020% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0615% | 6,145 |
| Assets per employee ($millions) | 9.5660% | 307 |
| Cash dividends to net income (ytd only)* | 37.6590% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1503% | 790 |
| Loan loss allowance to noncurrent loans | 137.9117% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.4812% | 4,007 |
| Noncurrent loans to loans | 1.5592% | 1,695 |
| Net loans and leases to total assets | 30.1996% | 6,031 |
| Net loans and leases to deposits | 33.3735% | 6,094 |
| Net loans and leases to core deposits | 36.1097% | 6,062 |
| Total domestic deposits to total assets | 90.4899% | 456 |
| Equity capital to assets | 9.3301% | 4,859 |
| Core capital (leverage) ratio | 8.9380% | 5,045 |
| Tier 1 risk-based capital ratio | 18.1881% | 2,011 |
| Total risk-based capital ratio | 19.4394% | 1,972 |
| Memoranda: | ||
| Average total assets | $313,761,330 | 2,109 |
| Average earning assets | $303,068,000 | 2,028 |
| Average equity | $28,707,000 | 2,437 |
| Average total loans | $88,090,000 | 3,690 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6377% | 6,163 |
| Cost of funding earning assets | 0.5376% | 1,948 |
| Net interest margin | 2.1002% | 6,247 |
| Noninterest income to average assets | 0.0496% | 6,233 |
| Noninterest expense to average assets | 0.8810% | 6,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1949% | 1,564 |
| Return on assets (ROA) | 1.1949% | 1,662 |
| Pretax return on assets | 1.1949% | 2,691 |
| Return on Equity (ROE) | 13.1798% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.1798% | 425 |
| Net charge-offs to loans | -0.6159% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4387% | 6,221 |
| Assets per employee ($millions) | 10.2355% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5688% | 482 |
| Loan loss allowance to noncurrent loans | 161.4438% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 4,484 |
| Noncurrent loans to loans | 1.5911% | 1,759 |
| Net loans and leases to total assets | 23.5246% | 6,220 |
| Net loans and leases to deposits | 25.8399% | 6,252 |
| Net loans and leases to core deposits | 27.6091% | 6,243 |
| Total domestic deposits to total assets | 91.0398% | 351 |
| Equity capital to assets | 8.8241% | 5,478 |
| Core capital (leverage) ratio | 8.4142% | 5,614 |
| Tier 1 risk-based capital ratio | 18.5488% | 1,990 |
| Total risk-based capital ratio | 19.7996% | 1,940 |
| Memoranda: | ||
| Average total assets | $322,368,500 | 2,073 |
| Average earning assets | $311,023,500 | 1,981 |
| Average equity | $29,226,500 | 2,418 |
| Average total loans | $86,373,000 | 3,744 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8500% | 6,167 |
| Cost of funding earning assets | 0.5425% | 2,270 |
| Net interest margin | 2.3075% | 6,265 |
| Noninterest income to average assets | 0.0521% | 6,285 |
| Noninterest expense to average assets | 0.9082% | 6,458 |
| Loan and lease loss provision to assets | 0.3239% | 607 |
| Net operating income to assets | 1.0436% | 2,198 |
| Return on assets (ROA) | 1.0436% | 2,266 |
| Pretax return on assets | 1.0436% | 3,332 |
| Return on Equity (ROE) | 10.6143% | 1,854 |
| Retained earnings to average equity (ytd only) | 5.5410% | 2,234 |
| Net charge-offs to loans | 0.5047% | 811 |
| Credit loss provision to net charge-offs | 227.7904% | 1,106 |
| Earnings coverage of net charge-offs (x) | 9.6173% | 2,722 |
| Efficiency ratio | 39.9089% | 6,402 |
| Assets per employee ($millions) | 12.1272% | 137 |
| Cash dividends to net income (ytd only)* | 47.7964% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 1,295 |
| Loan loss allowance to noncurrent loans | 151.1532% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.3708% | 4,580 |
| Noncurrent loans to loans | 1.2628% | 2,339 |
| Net loans and leases to total assets | 28.7993% | 6,213 |
| Net loans and leases to deposits | 31.8054% | 6,266 |
| Net loans and leases to core deposits | 33.7129% | 6,247 |
| Total domestic deposits to total assets | 90.5484% | 523 |
| Equity capital to assets | 9.3008% | 4,950 |
| Core capital (leverage) ratio | 9.7839% | 3,852 |
| Tier 1 risk-based capital ratio | 18.7196% | 1,928 |
| Total risk-based capital ratio | 19.8151% | 1,940 |
| Memoranda: | ||
| Average total assets | $308,734,000 | 2,107 |
| Average earning assets | $297,510,600 | 2,012 |
| Average equity | $30,355,400 | 2,249 |
| Average total loans | $86,985,600 | 3,700 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8065% | 6,277 |
| Cost of funding earning assets | 0.5401% | 2,372 |
| Net interest margin | 2.2664% | 6,351 |
| Noninterest income to average assets | 0.0601% | 6,359 |
| Noninterest expense to average assets | 0.9002% | 6,540 |
| Loan and lease loss provision to assets | 0.1754% | 1,401 |
| Net operating income to assets | 1.1704% | 1,789 |
| Return on assets (ROA) | 1.1704% | 1,865 |
| Pretax return on assets | 1.1704% | 2,906 |
| Return on Equity (ROE) | 11.7326% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.1609% | 1,734 |
| Net charge-offs to loans | -0.2251% | 6,330 |
| Credit loss provision to net charge-offs | -279.7203% | 5,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0820% | 6,451 |
| Assets per employee ($millions) | 11.4293% | 159 |
| Cash dividends to net income (ytd only)* | 38.9658% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 2,165 |
| Loan loss allowance to noncurrent loans | 165.7847% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 4,859 |
| Noncurrent loans to loans | 0.9895% | 3,098 |
| Net loans and leases to total assets | 35.3028% | 6,056 |
| Net loans and leases to deposits | 39.2324% | 6,143 |
| Net loans and leases to core deposits | 41.6863% | 6,130 |
| Total domestic deposits to total assets | 89.9838% | 738 |
| Equity capital to assets | 9.8490% | 4,359 |
| Core capital (leverage) ratio | 10.3933% | 3,167 |
| Tier 1 risk-based capital ratio | 18.4665% | 2,065 |
| Total risk-based capital ratio | 19.5383% | 2,081 |
| Memoranda: | ||
| Average total assets | $304,058,750 | 2,149 |
| Average earning assets | $293,260,750 | 2,056 |
| Average equity | $30,330,750 | 2,266 |
| Average total loans | $84,698,500 | 3,784 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6132% | 6,435 |
| Cost of funding earning assets | 0.5372% | 2,467 |
| Net interest margin | 2.0760% | 6,496 |
| Noninterest income to average assets | 0.0681% | 6,384 |
| Noninterest expense to average assets | 1.0022% | 6,596 |
| Loan and lease loss provision to assets | 0.0661% | 2,946 |
| Net operating income to assets | 1.0028% | 2,311 |
| Return on assets (ROA) | 1.0028% | 2,382 |
| Pretax return on assets | 1.0028% | 3,466 |
| Return on Equity (ROE) | 10.0099% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.0508% | 2,291 |
| Net charge-offs to loans | -0.1342% | 6,232 |
| Credit loss provision to net charge-offs | -196.0784% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3881% | 6,271 |
| Assets per employee ($millions) | 10.3630% | 209 |
| Cash dividends to net income (ytd only)* | 39.5517% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 2,414 |
| Loan loss allowance to noncurrent loans | 134.5609% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 4,930 |
| Noncurrent loans to loans | 1.1991% | 2,834 |
| Net loans and leases to total assets | 29.9449% | 6,308 |
| Net loans and leases to deposits | 33.4577% | 6,359 |
| Net loans and leases to core deposits | 35.7998% | 6,336 |
| Total domestic deposits to total assets | 89.5007% | 1,090 |
| Equity capital to assets | 10.3349% | 3,642 |
| Core capital (leverage) ratio | 10.0706% | 3,506 |
| Tier 1 risk-based capital ratio | 20.6645% | 1,519 |
| Total risk-based capital ratio | 21.6271% | 1,570 |
| Memoranda: | ||
| Average total assets | $302,548,330 | 2,152 |
| Average earning assets | $291,901,670 | 2,063 |
| Average equity | $30,310,000 | 2,259 |
| Average total loans | $76,012,000 | 4,042 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4579% | 6,560 |
| Cost of funding earning assets | 0.5184% | 2,731 |
| Net interest margin | 1.9394% | 6,608 |
| Noninterest income to average assets | 0.0596% | 6,460 |
| Noninterest expense to average assets | 1.1038% | 6,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8266% | 3,024 |
| Return on assets (ROA) | 0.8266% | 3,095 |
| Pretax return on assets | 0.8266% | 3,995 |
| Return on Equity (ROE) | 8.3752% | 2,750 |
| Retained earnings to average equity (ytd only) | 8.3752% | 1,464 |
| Net charge-offs to loans | -0.2577% | 6,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1812% | 5,735 |
| Assets per employee ($millions) | 10.9913% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 1,676 |
| Loan loss allowance to noncurrent loans | 79.6017% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 4,535 |
| Noncurrent loans to loans | 2.4225% | 1,447 |
| Net loans and leases to total assets | 21.7971% | 6,544 |
| Net loans and leases to deposits | 24.2565% | 6,574 |
| Net loans and leases to core deposits | 25.8907% | 6,556 |
| Total domestic deposits to total assets | 89.8608% | 1,146 |
| Equity capital to assets | 9.9926% | 3,851 |
| Core capital (leverage) ratio | 9.9007% | 3,710 |
| Tier 1 risk-based capital ratio | 25.6087% | 820 |
| Total risk-based capital ratio | 26.7230% | 824 |
| Memoranda: | ||
| Average total assets | $308,741,000 | 2,120 |
| Average earning assets | $297,821,000 | 2,027 |
| Average equity | $30,471,000 | 2,244 |
| Average total loans | $69,861,000 | 4,267 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6600% | 6,565 |
| Cost of funding earning assets | 0.5677% | 2,948 |
| Net interest margin | 2.0923% | 6,622 |
| Noninterest income to average assets | 0.0590% | 6,519 |
| Noninterest expense to average assets | 1.2167% | 6,710 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8470% | 3,053 |
| Return on assets (ROA) | 0.8470% | 3,130 |
| Pretax return on assets | 0.8470% | 3,977 |
| Return on Equity (ROE) | 7.8854% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.6012% | 2,880 |
| Net charge-offs to loans | -0.3896% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9569% | 5,613 |
| Assets per employee ($millions) | 10.6802% | 189 |
| Cash dividends to net income (ytd only)* | 41.6490% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 2,106 |
| Loan loss allowance to noncurrent loans | 72.0588% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 4,523 |
| Noncurrent loans to loans | 2.4789% | 1,532 |
| Net loans and leases to total assets | 22.6159% | 6,625 |
| Net loans and leases to deposits | 25.1185% | 6,652 |
| Net loans and leases to core deposits | 26.7260% | 6,640 |
| Total domestic deposits to total assets | 90.0366% | 1,050 |
| Equity capital to assets | 9.7470% | 4,107 |
| Core capital (leverage) ratio | 9.7759% | 3,873 |
| Tier 1 risk-based capital ratio | 20.5335% | 1,533 |
| Total risk-based capital ratio | 21.4150% | 1,585 |
| Memoranda: | ||
| Average total assets | $277,802,200 | 2,288 |
| Average earning assets | $266,170,200 | 2,210 |
| Average equity | $29,840,000 | 2,260 |
| Average total loans | $70,584,000 | 4,248 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6945% | 6,625 |
| Cost of funding earning assets | 0.5762% | 3,033 |
| Net interest margin | 2.1182% | 6,691 |
| Noninterest income to average assets | 0.0662% | 6,583 |
| Noninterest expense to average assets | 1.3016% | 6,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7936% | 3,385 |
| Return on assets (ROA) | 0.7936% | 3,514 |
| Pretax return on assets | 0.7936% | 4,318 |
| Return on Equity (ROE) | 7.1969% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.1497% | 3,730 |
| Net charge-offs to loans | -0.2689% | 6,708 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1226% | 5,122 |
| Assets per employee ($millions) | 9.6112% | 259 |
| Cash dividends to net income (ytd only)* | 42.3410% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 3,136 |
| Loan loss allowance to noncurrent loans | 64.5727% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 4,600 |
| Noncurrent loans to loans | 2.4343% | 1,796 |
| Net loans and leases to total assets | 24.7787% | 6,671 |
| Net loans and leases to deposits | 27.6994% | 6,702 |
| Net loans and leases to core deposits | 29.7212% | 6,687 |
| Total domestic deposits to total assets | 89.4557% | 1,326 |
| Equity capital to assets | 10.3522% | 3,446 |
| Core capital (leverage) ratio | 10.7518% | 2,723 |
| Tier 1 risk-based capital ratio | 20.4773% | 1,604 |
| Total risk-based capital ratio | 21.2766% | 1,705 |
| Memoranda: | ||
| Average total assets | $269,821,500 | 2,366 |
| Average earning assets | $258,448,000 | 2,267 |
| Average equity | $29,752,750 | 2,286 |
| Average total loans | $70,399,750 | 4,288 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6340% | 6,691 |
| Cost of funding earning assets | 0.5838% | 3,094 |
| Net interest margin | 2.0502% | 6,748 |
| Noninterest income to average assets | 0.0523% | 6,663 |
| Noninterest expense to average assets | 1.3973% | 6,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6182% | 4,205 |
| Return on assets (ROA) | 0.6182% | 4,369 |
| Pretax return on assets | 0.6182% | 4,956 |
| Return on Equity (ROE) | 5.4844% | 4,466 |
| Retained earnings to average equity (ytd only) | 2.5235% | 4,689 |
| Net charge-offs to loans | -0.1780% | 6,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3263% | 3,956 |
| Assets per employee ($millions) | 8.1865% | 426 |
| Cash dividends to net income (ytd only)* | 53.9877% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,997 |
| Loan loss allowance to noncurrent loans | 58.4895% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 4,436 |
| Noncurrent loans to loans | 2.4077% | 1,954 |
| Net loans and leases to total assets | 29.2696% | 6,601 |
| Net loans and leases to deposits | 33.2469% | 6,635 |
| Net loans and leases to core deposits | 36.1147% | 6,604 |
| Total domestic deposits to total assets | 88.0370% | 2,219 |
| Equity capital to assets | 11.7644% | 2,078 |
| Core capital (leverage) ratio | 10.8866% | 2,467 |
| Tier 1 risk-based capital ratio | 21.6116% | 1,366 |
| Total risk-based capital ratio | 22.4112% | 1,428 |
| Memoranda: | ||
| Average total assets | $263,650,000 | 2,421 |
| Average earning assets | $252,467,670 | 2,329 |
| Average equity | $29,720,670 | 2,297 |
| Average total loans | $69,670,670 | 4,320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4777% | 6,818 |
| Cost of funding earning assets | 0.5749% | 3,332 |
| Net interest margin | 1.9028% | 6,872 |
| Noninterest income to average assets | 0.0387% | 6,768 |
| Noninterest expense to average assets | 1.4223% | 6,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4304% | 5,004 |
| Return on assets (ROA) | 0.4304% | 5,161 |
| Pretax return on assets | 0.4304% | 5,470 |
| Return on Equity (ROE) | 3.8984% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.8984% | 3,895 |
| Net charge-offs to loans | -0.0778% | 6,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7685% | 2,799 |
| Assets per employee ($millions) | 9.0142% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,138 |
| Loan loss allowance to noncurrent loans | 55.2703% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 4,626 |
| Noncurrent loans to loans | 3.0183% | 1,663 |
| Net loans and leases to total assets | 22.8189% | 6,801 |
| Net loans and leases to deposits | 25.8027% | 6,823 |
| Net loans and leases to core deposits | 27.9315% | 6,799 |
| Total domestic deposits to total assets | 88.4358% | 2,042 |
| Equity capital to assets | 11.3882% | 2,539 |
| Core capital (leverage) ratio | 10.5439% | 2,714 |
| Tier 1 risk-based capital ratio | 21.6344% | 1,396 |
| Total risk-based capital ratio | 22.4001% | 1,477 |
| Memoranda: | ||
| Average total assets | $268,584,000 | 2,406 |
| Average earning assets | $256,039,000 | 2,318 |
| Average equity | $29,653,000 | 2,327 |
| Average total loans | $66,835,000 | 4,458 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 6,747 |
| Cost of funding earning assets | 0.6847% | 3,616 |
| Net interest margin | 2.3695% | 6,798 |
| Noninterest income to average assets | 0.0734% | 6,608 |
| Noninterest expense to average assets | 1.2215% | 6,979 |
| Loan and lease loss provision to assets | 0.2984% | 2,289 |
| Net operating income to assets | 0.8129% | 3,229 |
| Return on assets (ROA) | 0.8245% | 3,422 |
| Pretax return on assets | 0.8245% | 4,208 |
| Return on Equity (ROE) | 7.3392% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.4490% | 3,108 |
| Net charge-offs to loans | 0.7194% | 1,637 |
| Credit loss provision to net charge-offs | 146.7681% | 1,856 |
| Earnings coverage of net charge-offs (x) | 5.4658% | 3,031 |
| Efficiency ratio | 52.3612% | 6,433 |
| Assets per employee ($millions) | 9.5089% | 282 |
| Cash dividends to net income (ytd only)* | 39.3812% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 4,317 |
| Loan loss allowance to noncurrent loans | 44.3606% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8167% | 4,432 |
| Noncurrent loans to loans | 3.0846% | 1,680 |
| Net loans and leases to total assets | 26.1128% | 6,808 |
| Net loans and leases to deposits | 29.2811% | 6,846 |
| Net loans and leases to core deposits | 31.5005% | 6,818 |
| Total domestic deposits to total assets | 89.1800% | 1,447 |
| Equity capital to assets | 10.7109% | 3,270 |
| Core capital (leverage) ratio | 10.8589% | 2,381 |
| Tier 1 risk-based capital ratio | 20.2391% | 1,620 |
| Total risk-based capital ratio | 20.9535% | 1,724 |
| Memoranda: | ||
| Average total assets | $258,706,800 | 2,449 |
| Average earning assets | $246,674,800 | 2,354 |
| Average equity | $29,063,000 | 2,313 |
| Average total loans | $73,116,400 | 4,232 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0044% | 6,902 |
| Cost of funding earning assets | 0.7113% | 3,672 |
| Net interest margin | 2.2930% | 6,946 |
| Noninterest income to average assets | 0.0749% | 6,714 |
| Noninterest expense to average assets | 1.2828% | 7,052 |
| Loan and lease loss provision to assets | 0.1834% | 3,297 |
| Net operating income to assets | 0.8064% | 3,420 |
| Return on assets (ROA) | 0.8159% | 3,610 |
| Pretax return on assets | 0.8159% | 4,429 |
| Return on Equity (ROE) | 7.1721% | 3,713 |
| Retained earnings to average equity (ytd only) | 4.8689% | 3,464 |
| Net charge-offs to loans | 0.4411% | 2,341 |
| Credit loss provision to net charge-offs | 144.6281% | 1,977 |
| Earnings coverage of net charge-offs (x) | 7.8057% | 2,548 |
| Efficiency ratio | 56.4445% | 5,999 |
| Assets per employee ($millions) | 7.7438% | 530 |
| Cash dividends to net income (ytd only)* | 32.1130% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 6,309 |
| Loan loss allowance to noncurrent loans | 29.3456% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 3,853 |
| Noncurrent loans to loans | 3.1608% | 1,750 |
| Net loans and leases to total assets | 38.3087% | 6,403 |
| Net loans and leases to deposits | 43.7957% | 6,516 |
| Net loans and leases to core deposits | 48.2305% | 6,399 |
| Total domestic deposits to total assets | 87.4714% | 2,367 |
| Equity capital to assets | 12.2879% | 2,051 |
| Core capital (leverage) ratio | 11.3266% | 2,115 |
| Tier 1 risk-based capital ratio | 19.9130% | 1,784 |
| Total risk-based capital ratio | 20.5239% | 1,900 |
| Memoranda: | ||
| Average total assets | $254,444,250 | 2,510 |
| Average earning assets | $243,861,250 | 2,410 |
| Average equity | $28,944,750 | 2,338 |
| Average total loans | $73,143,750 | 4,289 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7571% | 7,059 |
| Cost of funding earning assets | 0.7213% | 3,837 |
| Net interest margin | 2.0358% | 7,093 |
| Noninterest income to average assets | 0.0795% | 6,758 |
| Noninterest expense to average assets | 1.3501% | 7,075 |
| Loan and lease loss provision to assets | 0.1157% | 4,078 |
| Net operating income to assets | 0.5601% | 4,536 |
| Return on assets (ROA) | 0.5748% | 4,750 |
| Pretax return on assets | 0.5748% | 5,231 |
| Return on Equity (ROE) | 5.1807% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.0945% | 4,579 |
| Net charge-offs to loans | 0.8471% | 1,307 |
| Credit loss provision to net charge-offs | 53.1915% | 3,972 |
| Earnings coverage of net charge-offs (x) | 3.1064% | 3,498 |
| Efficiency ratio | 66.6413% | 4,398 |
| Assets per employee ($millions) | 7.8321% | 508 |
| Cash dividends to net income (ytd only)* | 40.2685% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 6,641 |
| Loan loss allowance to noncurrent loans | 20.9444% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 3,973 |
| Noncurrent loans to loans | 3.8915% | 1,431 |
| Net loans and leases to total assets | 31.1249% | 6,846 |
| Net loans and leases to deposits | 35.4208% | 6,889 |
| Net loans and leases to core deposits | 38.3495% | 6,861 |
| Total domestic deposits to total assets | 87.8717% | 2,229 |
| Equity capital to assets | 11.8993% | 2,220 |
| Core capital (leverage) ratio | 10.7702% | 2,515 |
| Tier 1 risk-based capital ratio | 20.8275% | 1,516 |
| Total risk-based capital ratio | 21.2986% | 1,659 |
| Memoranda: | ||
| Average total assets | $259,239,670 | 2,472 |
| Average earning assets | $247,869,330 | 2,373 |
| Average equity | $28,760,330 | 2,343 |
| Average total loans | $66,583,670 | 4,541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4084% | 7,192 |
| Cost of funding earning assets | 0.7578% | 3,801 |
| Net interest margin | 1.6506% | 7,225 |
| Noninterest income to average assets | 0.0464% | 6,943 |
| Noninterest expense to average assets | 1.3699% | 7,135 |
| Loan and lease loss provision to assets | -0.2243% | 7,213 |
| Net operating income to assets | 0.4741% | 4,934 |
| Return on assets (ROA) | 0.4875% | 5,083 |
| Pretax return on assets | 0.4875% | 5,470 |
| Return on Equity (ROE) | 4.5443% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.5443% | 3,856 |
| Net charge-offs to loans | -0.1942% | 6,985 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5799% | 1,629 |
| Assets per employee ($millions) | 8.9498% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 6,100 |
| Loan loss allowance to noncurrent loans | 17.1964% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 3,740 |
| Noncurrent loans to loans | 6.0774% | 827 |
| Net loans and leases to total assets | 23.0929% | 7,100 |
| Net loans and leases to deposits | 26.0397% | 7,121 |
| Net loans and leases to core deposits | 28.4394% | 7,097 |
| Total domestic deposits to total assets | 88.6836% | 1,895 |
| Equity capital to assets | 11.1049% | 2,795 |
| Core capital (leverage) ratio | 10.2049% | 3,098 |
| Tier 1 risk-based capital ratio | 21.3453% | 1,408 |
| Total risk-based capital ratio | 21.8396% | 1,545 |
| Memoranda: | ||
| Average total assets | $267,461,500 | 2,409 |
| Average earning assets | $254,939,000 | 2,327 |
| Average equity | $28,695,000 | 2,345 |
| Average total loans | $61,780,000 | 4,742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9053% | 7,198 |
| Cost of funding earning assets | 1.1492% | 2,357 |
| Net interest margin | 1.7560% | 7,267 |
| Noninterest income to average assets | 0.1275% | 6,518 |
| Noninterest expense to average assets | 1.1416% | 7,275 |
| Loan and lease loss provision to assets | 0.1271% | 5,026 |
| Net operating income to assets | 0.4706% | 4,538 |
| Return on assets (ROA) | 0.5712% | 4,328 |
| Pretax return on assets | 0.5712% | 4,777 |
| Return on Equity (ROE) | 5.4087% | 4,194 |
| Retained earnings to average equity (ytd only) | 3.1079% | 4,020 |
| Net charge-offs to loans | 0.6728% | 2,475 |
| Credit loss provision to net charge-offs | 69.2464% | 4,879 |
| Earnings coverage of net charge-offs (x) | 3.2566% | 3,581 |
| Efficiency ratio | 65.6351% | 4,841 |
| Assets per employee ($millions) | 10.1993% | 218 |
| Cash dividends to net income (ytd only)* | 42.5393% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,400 |
| Loan loss allowance to noncurrent loans | 17.8758% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 1.5317% | 3,657 |
| Noncurrent loans to loans | 6.6962% | 685 |
| Net loans and leases to total assets | 22.6004% | 7,176 |
| Net loans and leases to deposits | 25.3199% | 7,199 |
| Net loans and leases to core deposits | 27.4103% | 7,183 |
| Total domestic deposits to total assets | 89.2596% | 1,390 |
| Equity capital to assets | 10.3740% | 3,684 |
| Core capital (leverage) ratio | 9.8966% | 3,464 |
| Tier 1 risk-based capital ratio | 25.3956% | 831 |
| Total risk-based capital ratio | 26.1075% | 872 |
| Memoranda: | ||
| Average total assets | $267,528,800 | 2,356 |
| Average earning assets | $245,554,200 | 2,340 |
| Average equity | $28,251,000 | 2,315 |
| Average total loans | $72,974,200 | 4,381 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 7,230 |
| Cost of funding earning assets | 1.2733% | 1,848 |
| Net interest margin | 1.8305% | 7,327 |
| Noninterest income to average assets | 0.1476% | 6,516 |
| Noninterest expense to average assets | 1.1753% | 7,348 |
| Loan and lease loss provision to assets | 0.1205% | 4,926 |
| Net operating income to assets | 0.5126% | 4,490 |
| Return on assets (ROA) | 0.5759% | 4,378 |
| Pretax return on assets | 0.5759% | 4,894 |
| Return on Equity (ROE) | 5.4285% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.4819% | 3,534 |
| Net charge-offs to loans | 0.7120% | 2,134 |
| Credit loss provision to net charge-offs | 59.5533% | 4,816 |
| Earnings coverage of net charge-offs (x) | 3.1290% | 3,570 |
| Efficiency ratio | 64.9917% | 4,897 |
| Assets per employee ($millions) | 8.3392% | 419 |
| Cash dividends to net income (ytd only)* | 17.4367% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,129 |
| Loan loss allowance to noncurrent loans | 36.8238% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 5,220 |
| Noncurrent loans to loans | 2.7947% | 2,493 |
| Net loans and leases to total assets | 27.6037% | 7,163 |
| Net loans and leases to deposits | 31.1635% | 7,191 |
| Net loans and leases to core deposits | 33.8326% | 7,168 |
| Total domestic deposits to total assets | 88.5771% | 1,711 |
| Equity capital to assets | 11.0929% | 3,055 |
| Core capital (leverage) ratio | 10.0334% | 3,389 |
| Tier 1 risk-based capital ratio | 17.5281% | 2,432 |
| Total risk-based capital ratio | 18.0110% | 2,709 |
| Memoranda: | ||
| Average total assets | $265,566,000 | 2,386 |
| Average earning assets | $240,947,250 | 2,402 |
| Average equity | $28,171,750 | 2,321 |
| Average total loans | $75,470,000 | 4,335 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8961% | 7,366 |
| Cost of funding earning assets | 1.3754% | 1,525 |
| Net interest margin | 1.5208% | 7,440 |
| Noninterest income to average assets | 0.1941% | 6,279 |
| Noninterest expense to average assets | 1.2108% | 7,423 |
| Loan and lease loss provision to assets | 0.0299% | 5,932 |
| Net operating income to assets | 0.3046% | 5,360 |
| Return on assets (ROA) | 0.3105% | 5,468 |
| Pretax return on assets | 0.3105% | 5,647 |
| Return on Equity (ROE) | 2.9711% | 5,400 |
| Retained earnings to average equity (ytd only) | 1.5427% | 5,210 |
| Net charge-offs to loans | 0.7520% | 1,992 |
| Credit loss provision to net charge-offs | 13.8889% | 5,205 |
| Earnings coverage of net charge-offs (x) | 1.5556% | 4,123 |
| Efficiency ratio | 78.3575% | 2,651 |
| Assets per employee ($millions) | 8.4335% | 395 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,783 |
| Loan loss allowance to noncurrent loans | 28.0769% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 0.8950% | 5,080 |
| Noncurrent loans to loans | 3.0115% | 2,411 |
| Net loans and leases to total assets | 29.4692% | 7,198 |
| Net loans and leases to deposits | 33.1221% | 7,247 |
| Net loans and leases to core deposits | 36.5447% | 7,206 |
| Total domestic deposits to total assets | 88.9714% | 1,548 |
| Equity capital to assets | 10.7065% | 3,280 |
| Core capital (leverage) ratio | 9.8497% | 3,454 |
| Tier 1 risk-based capital ratio | 17.9469% | 2,192 |
| Total risk-based capital ratio | 18.3970% | 2,438 |
| Memoranda: | ||
| Average total assets | $267,916,000 | 2,387 |
| Average earning assets | $238,040,330 | 2,441 |
| Average equity | $28,003,330 | 2,314 |
| Average total loans | $76,592,670 | 4,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9888% | 7,398 |
| Cost of funding earning assets | 1.4667% | 1,309 |
| Net interest margin | 1.5221% | 7,502 |
| Noninterest income to average assets | 0.2744% | 5,710 |
| Noninterest expense to average assets | 1.2731% | 7,471 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2980% | 5,416 |
| Return on assets (ROA) | 0.2980% | 5,485 |
| Pretax return on assets | 0.2980% | 5,657 |
| Return on Equity (ROE) | 2.8847% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.8847% | 4,430 |
| Net charge-offs to loans | -0.0158% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0329% | 2,366 |
| Assets per employee ($millions) | 8.6971% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 4,892 |
| Loan loss allowance to noncurrent loans | 93.5118% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 6,307 |
| Noncurrent loans to loans | 1.4463% | 4,299 |
| Net loans and leases to total assets | 24.5656% | 7,364 |
| Net loans and leases to deposits | 27.5171% | 7,395 |
| Net loans and leases to core deposits | 30.2934% | 7,373 |
| Total domestic deposits to total assets | 89.2737% | 1,598 |
| Equity capital to assets | 10.4158% | 3,267 |
| Core capital (leverage) ratio | 9.3869% | 3,983 |
| Tier 1 risk-based capital ratio | 25.2057% | 858 |
| Total risk-based capital ratio | 26.0797% | 875 |
| Memoranda: | ||
| Average total assets | $271,154,500 | 2,378 |
| Average earning assets | $230,999,500 | 2,534 |
| Average equity | $28,009,500 | 2,300 |
| Average total loans | $76,038,500 | 4,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 6,795 |
| Cost of funding earning assets | 1.6370% | 1,879 |
| Net interest margin | 2.6590% | 7,164 |
| Noninterest income to average assets | 0.2083% | 6,310 |
| Noninterest expense to average assets | 1.2573% | 7,536 |
| Loan and lease loss provision to assets | 0.2016% | 5,223 |
| Net operating income to assets | 1.1280% | 1,617 |
| Return on assets (ROA) | 1.1406% | 1,657 |
| Pretax return on assets | 1.1406% | 2,429 |
| Return on Equity (ROE) | 10.2144% | 1,853 |
| Retained earnings to average equity (ytd only) | 6.0399% | 1,793 |
| Net charge-offs to loans | 0.7453% | 2,788 |
| Credit loss provision to net charge-offs | 70.2782% | 5,859 |
| Earnings coverage of net charge-offs (x) | 4.6354% | 2,855 |
| Efficiency ratio | 48.6039% | 7,228 |
| Assets per employee ($millions) | 8.7968% | 364 |
| Cash dividends to net income (ytd only)* | 40.8689% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 6,088 |
| Loan loss allowance to noncurrent loans | 58.6520% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 5,899 |
| Noncurrent loans to loans | 1.8166% | 3,796 |
| Net loans and leases to total assets | 30.8152% | 7,328 |
| Net loans and leases to deposits | 34.4410% | 7,388 |
| Net loans and leases to core deposits | 38.3586% | 7,342 |
| Total domestic deposits to total assets | 89.4723% | 1,398 |
| Equity capital to assets | 10.2446% | 3,451 |
| Core capital (leverage) ratio | 10.0454% | 3,036 |
| Tier 1 risk-based capital ratio | 16.9026% | 2,377 |
| Total risk-based capital ratio | 17.4912% | 2,594 |
| Memoranda: | ||
| Average total assets | $238,122,200 | 2,658 |
| Average earning assets | $213,013,800 | 2,715 |
| Average equity | $26,589,800 | 2,409 |
| Average total loans | $91,643,400 | 4,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 7,116 |
| Cost of funding earning assets | 1.5954% | 2,414 |
| Net interest margin | 2.5883% | 7,322 |
| Noninterest income to average assets | 0.1284% | 6,914 |
| Noninterest expense to average assets | 1.3270% | 7,625 |
| Loan and lease loss provision to assets | 0.2063% | 4,994 |
| Net operating income to assets | 1.0261% | 2,146 |
| Return on assets (ROA) | 1.0371% | 2,219 |
| Pretax return on assets | 1.0371% | 3,041 |
| Return on Equity (ROE) | 9.0654% | 2,468 |
| Retained earnings to average equity (ytd only) | 5.5611% | 2,613 |
| Net charge-offs to loans | 0.2457% | 4,465 |
| Credit loss provision to net charge-offs | 206.3953% | 1,717 |
| Earnings coverage of net charge-offs (x) | 12.3313% | 1,697 |
| Efficiency ratio | 51.8502% | 6,994 |
| Assets per employee ($millions) | 7.5116% | 623 |
| Cash dividends to net income (ytd only)* | 38.6556% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,825 |
| Loan loss allowance to noncurrent loans | 50.1359% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 4,905 |
| Noncurrent loans to loans | 2.2479% | 3,392 |
| Net loans and leases to total assets | 48.6397% | 6,465 |
| Net loans and leases to deposits | 55.3472% | 6,661 |
| Net loans and leases to core deposits | 62.7122% | 6,397 |
| Total domestic deposits to total assets | 87.8811% | 2,029 |
| Equity capital to assets | 11.7603% | 2,316 |
| Core capital (leverage) ratio | 10.8890% | 2,343 |
| Tier 1 risk-based capital ratio | 15.9695% | 2,780 |
| Total risk-based capital ratio | 16.7788% | 2,951 |
| Memoranda: | ||
| Average total assets | $229,477,750 | 2,793 |
| Average earning assets | $215,530,500 | 2,720 |
| Average equity | $26,253,000 | 2,476 |
| Average total loans | $93,319,750 | 4,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 7,383 |
| Cost of funding earning assets | 1.5870% | 2,730 |
| Net interest margin | 2.3903% | 7,484 |
| Noninterest income to average assets | 0.1340% | 6,919 |
| Noninterest expense to average assets | 1.4276% | 7,651 |
| Loan and lease loss provision to assets | 0.3109% | 3,892 |
| Net operating income to assets | 0.6420% | 3,663 |
| Return on assets (ROA) | 0.6586% | 3,745 |
| Pretax return on assets | 0.6586% | 4,373 |
| Return on Equity (ROE) | 5.8124% | 3,887 |
| Retained earnings to average equity (ytd only) | 2.2569% | 4,717 |
| Net charge-offs to loans | 0.6586% | 2,569 |
| Credit loss provision to net charge-offs | 125.0000% | 3,227 |
| Earnings coverage of net charge-offs (x) | 3.8310% | 3,165 |
| Efficiency ratio | 59.9706% | 6,052 |
| Assets per employee ($millions) | 7.3298% | 664 |
| Cash dividends to net income (ytd only)* | 61.1702% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 5,367 |
| Loan loss allowance to noncurrent loans | 43.5698% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 4,757 |
| Noncurrent loans to loans | 2.7929% | 2,859 |
| Net loans and leases to total assets | 42.1217% | 7,037 |
| Net loans and leases to deposits | 47.7853% | 7,174 |
| Net loans and leases to core deposits | 54.4527% | 7,017 |
| Total domestic deposits to total assets | 88.1479% | 1,931 |
| Equity capital to assets | 11.5511% | 2,399 |
| Core capital (leverage) ratio | 10.5867% | 2,553 |
| Tier 1 risk-based capital ratio | 16.4932% | 2,473 |
| Total risk-based capital ratio | 17.2814% | 2,616 |
| Memoranda: | ||
| Average total assets | $228,350,670 | 2,834 |
| Average earning assets | $214,614,330 | 2,755 |
| Average equity | $25,875,670 | 2,500 |
| Average total loans | $86,242,000 | 4,244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 7,482 |
| Cost of funding earning assets | 1.5724% | 3,124 |
| Net interest margin | 2.3996% | 7,533 |
| Noninterest income to average assets | 0.0472% | 7,477 |
| Noninterest expense to average assets | 1.4591% | 7,734 |
| Loan and lease loss provision to assets | 0.6203% | 2,050 |
| Net operating income to assets | 0.2184% | 5,624 |
| Return on assets (ROA) | 0.2184% | 5,739 |
| Pretax return on assets | 0.2184% | 5,824 |
| Return on Equity (ROE) | 1.9463% | 5,785 |
| Retained earnings to average equity (ytd only) | 1.9463% | 4,963 |
| Net charge-offs to loans | 1.7203% | 1,010 |
| Credit loss provision to net charge-offs | 102.0115% | 3,336 |
| Earnings coverage of net charge-offs (x) | 1.3793% | 3,918 |
| Efficiency ratio | 63.4981% | 5,587 |
| Assets per employee ($millions) | 7.3209% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,016 |
| Loan loss allowance to noncurrent loans | 34.7460% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 1.4140% | 4,389 |
| Noncurrent loans to loans | 4.2575% | 1,795 |
| Net loans and leases to total assets | 32.7197% | 7,546 |
| Net loans and leases to deposits | 37.0640% | 7,600 |
| Net loans and leases to core deposits | 41.9747% | 7,527 |
| Total domestic deposits to total assets | 88.2789% | 1,912 |
| Equity capital to assets | 11.3510% | 2,467 |
| Core capital (leverage) ratio | 10.4166% | 2,702 |
| Tier 1 risk-based capital ratio | 17.3658% | 2,117 |
| Total risk-based capital ratio | 18.1559% | 2,251 |
| Memoranda: | ||
| Average total assets | $228,913,500 | 2,885 |
| Average earning assets | $214,701,500 | 2,808 |
| Average equity | $25,690,000 | 2,546 |
| Average total loans | $80,918,000 | 4,475 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 7,648 |
| Cost of funding earning assets | 1.6444% | 4,824 |
| Net interest margin | 2.4626% | 7,465 |
| Noninterest income to average assets | 0.1114% | 7,203 |
| Noninterest expense to average assets | 1.3707% | 7,853 |
| Loan and lease loss provision to assets | -0.1386% | 7,993 |
| Net operating income to assets | 1.1840% | 1,291 |
| Return on assets (ROA) | 1.2131% | 1,263 |
| Pretax return on assets | 1.2131% | 1,918 |
| Return on Equity (ROE) | 10.5174% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.3088% | 1,671 |
| Net charge-offs to loans | -0.1735% | 7,906 |
| Credit loss provision to net charge-offs | 206.8966% | 1,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7330% | 6,926 |
| Assets per employee ($millions) | 7.2149% | 737 |
| Cash dividends to net income (ytd only)* | 49.5238% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,862 |
| Loan loss allowance to noncurrent loans | 30.2898% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 1.5844% | 4,002 |
| Noncurrent loans to loans | 4.2307% | 1,715 |
| Net loans and leases to total assets | 36.9702% | 7,486 |
| Net loans and leases to deposits | 41.7299% | 7,575 |
| Net loans and leases to core deposits | 61.7528% | 7,201 |
| Total domestic deposits to total assets | 88.5940% | 1,677 |
| Equity capital to assets | 11.0963% | 2,625 |
| Core capital (leverage) ratio | 10.8267% | 2,330 |
| Tier 1 risk-based capital ratio | 15.3805% | 2,767 |
| Total risk-based capital ratio | 16.0795% | 2,986 |
| Memoranda: | ||
| Average total assets | $216,383,400 | 2,998 |
| Average earning assets | $202,511,600 | 2,941 |
| Average equity | $24,958,600 | 2,615 |
| Average total loans | $83,574,200 | 4,397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 7,708 |
| Cost of funding earning assets | 1.6739% | 5,040 |
| Net interest margin | 2.5487% | 7,409 |
| Noninterest income to average assets | 0.1084% | 7,359 |
| Noninterest expense to average assets | 1.3743% | 7,930 |
| Loan and lease loss provision to assets | -0.1253% | 8,072 |
| Net operating income to assets | 1.2439% | 1,360 |
| Return on assets (ROA) | 1.2834% | 1,335 |
| Pretax return on assets | 1.2834% | 1,998 |
| Return on Equity (ROE) | 11.0134% | 1,620 |
| Retained earnings to average equity (ytd only) | 5.3669% | 2,273 |
| Net charge-offs to loans | -0.1690% | 7,962 |
| Credit loss provision to net charge-offs | 190.4762% | 2,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1282% | 7,103 |
| Assets per employee ($millions) | 6.6544% | 918 |
| Cash dividends to net income (ytd only)* | 51.2697% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 5,352 |
| Loan loss allowance to noncurrent loans | 31.8343% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 1.7786% | 3,687 |
| Noncurrent loans to loans | 3.6493% | 2,052 |
| Net loans and leases to total assets | 48.1722% | 6,936 |
| Net loans and leases to deposits | 55.1855% | 7,137 |
| Net loans and leases to core deposits | 83.3819% | 6,083 |
| Total domestic deposits to total assets | 87.2914% | 2,024 |
| Equity capital to assets | 12.3087% | 2,059 |
| Core capital (leverage) ratio | 11.2171% | 2,251 |
| Tier 1 risk-based capital ratio | 15.3423% | 2,898 |
| Total risk-based capital ratio | 16.0873% | 3,059 |
| Memoranda: | ||
| Average total assets | $212,759,750 | 3,056 |
| Average earning assets | $199,053,000 | 2,998 |
| Average equity | $24,793,500 | 2,652 |
| Average total loans | $82,851,750 | 4,458 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 7,917 |
| Cost of funding earning assets | 1.6936% | 5,302 |
| Net interest margin | 2.2681% | 7,697 |
| Noninterest income to average assets | 0.1284% | 7,324 |
| Noninterest expense to average assets | 1.4340% | 8,001 |
| Loan and lease loss provision to assets | -0.2140% | 8,175 |
| Net operating income to assets | 1.0246% | 2,022 |
| Return on assets (ROA) | 1.0776% | 1,924 |
| Pretax return on assets | 1.0776% | 2,709 |
| Return on Equity (ROE) | 9.4168% | 2,218 |
| Retained earnings to average equity (ytd only) | 3.7244% | 3,223 |
| Net charge-offs to loans | -0.0182% | 7,681 |
| Credit loss provision to net charge-offs | 3,285.7143% | 146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8889% | 5,938 |
| Assets per employee ($millions) | 6.6874% | 893 |
| Cash dividends to net income (ytd only)* | 60.4491% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 4,568 |
| Loan loss allowance to noncurrent loans | 32.4797% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5446% | 3,909 |
| Noncurrent loans to loans | 3.8630% | 1,760 |
| Net loans and leases to total assets | 39.4812% | 7,572 |
| Net loans and leases to deposits | 44.9872% | 7,673 |
| Net loans and leases to core deposits | 66.4971% | 7,192 |
| Total domestic deposits to total assets | 87.7608% | 1,897 |
| Equity capital to assets | 11.7978% | 2,327 |
| Core capital (leverage) ratio | 10.8975% | 2,486 |
| Tier 1 risk-based capital ratio | 15.9201% | 2,653 |
| Total risk-based capital ratio | 16.6242% | 2,796 |
| Memoranda: | ||
| Average total assets | $214,918,000 | 3,041 |
| Average earning assets | $200,517,670 | 2,995 |
| Average equity | $24,594,330 | 2,678 |
| Average total loans | $76,955,670 | 4,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 7,975 |
| Cost of funding earning assets | 1.7338% | 5,455 |
| Net interest margin | 2.3059% | 7,710 |
| Noninterest income to average assets | 0.0274% | 7,943 |
| Noninterest expense to average assets | 1.2472% | 8,098 |
| Loan and lease loss provision to assets | -0.4572% | 8,227 |
| Net operating income to assets | 1.3826% | 1,175 |
| Return on assets (ROA) | 1.4374% | 1,146 |
| Pretax return on assets | 1.4374% | 1,854 |
| Return on Equity (ROE) | 12.7481% | 1,453 |
| Retained earnings to average equity (ytd only) | 12.7481% | 677 |
| Net charge-offs to loans | -0.0216% | 7,460 |
| Credit loss provision to net charge-offs | 6,250.0000% | 113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4074% | 6,772 |
| Assets per employee ($millions) | 7.0000% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,138 |
| Loan loss allowance to noncurrent loans | 31.9209% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4682% | 3,735 |
| Noncurrent loans to loans | 4.6054% | 1,230 |
| Net loans and leases to total assets | 31.4112% | 7,882 |
| Net loans and leases to deposits | 35.6066% | 7,951 |
| Net loans and leases to core deposits | 51.3268% | 7,745 |
| Total domestic deposits to total assets | 88.2175% | 1,631 |
| Equity capital to assets | 11.4263% | 2,636 |
| Core capital (leverage) ratio | 10.5587% | 2,858 |
| Tier 1 risk-based capital ratio | 17.4966% | 2,188 |
| Total risk-based capital ratio | 18.2430% | 2,273 |
| Memoranda: | ||
| Average total assets | $218,722,500 | 3,001 |
| Average earning assets | $203,481,000 | 2,974 |
| Average equity | $24,662,500 | 2,689 |
| Average total loans | $73,989,500 | 4,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 7,576 |
| Cost of funding earning assets | 2.3066% | 5,115 |
| Net interest margin | 3.0143% | 6,874 |
| Noninterest income to average assets | 0.1395% | 7,406 |
| Noninterest expense to average assets | 1.4058% | 8,074 |
| Loan and lease loss provision to assets | -0.2044% | 8,269 |
| Net operating income to assets | 1.7425% | 620 |
| Return on assets (ROA) | 1.7646% | 566 |
| Pretax return on assets | 1.7646% | 1,012 |
| Return on Equity (ROE) | 15.9719% | 780 |
| Retained earnings to average equity (ytd only) | 8.1361% | 803 |
| Net charge-offs to loans | -0.4446% | 8,211 |
| Credit loss provision to net charge-offs | 118.0556% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7536% | 7,828 |
| Assets per employee ($millions) | 7.1112% | 676 |
| Cash dividends to net income (ytd only)* | 49.0597% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 2,231 |
| Loan loss allowance to noncurrent loans | 39.4318% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 1.4530% | 3,312 |
| Noncurrent loans to loans | 4.0647% | 1,206 |
| Net loans and leases to total assets | 35.1728% | 7,859 |
| Net loans and leases to deposits | 39.8371% | 7,945 |
| Net loans and leases to core deposits | 56.2502% | 7,735 |
| Total domestic deposits to total assets | 88.2915% | 1,341 |
| Equity capital to assets | 11.1274% | 2,944 |
| Core capital (leverage) ratio | 10.4814% | 2,989 |
| Tier 1 risk-based capital ratio | 15.9467% | 2,685 |
| Total risk-based capital ratio | 16.8203% | 2,753 |
| Memoranda: | ||
| Average total assets | $207,919,400 | 3,032 |
| Average earning assets | $193,444,200 | 2,988 |
| Average equity | $22,971,600 | 2,853 |
| Average total loans | $80,980,600 | 4,491 |