Home > The Shelby County State Bank > Performance and Condition Ratios
The Shelby County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 3,490 |
| Cost of funding earning assets | 1.1558% | 2,919 |
| Net interest margin | 3.1121% | 3,073 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.1819% | 3,180 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.7478% | 3,047 |
| Return on assets (ROA) | 0.7520% | 3,017 |
| Pretax return on assets | 0.9328% | 2,867 |
| Return on Equity (ROE) | 7.7000% | 3,098 |
| Retained earnings to average equity (ytd only) | 3.1458% | 3,230 |
| Net charge-offs to loans | 0.0050% | 2,536 |
| Credit loss provision to net charge-offs | 3,500.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 329.5294% | 405 |
| Efficiency ratio | 66.1948% | 2,332 |
| Assets per employee ($millions) | 6.8560% | 2,170 |
| Cash dividends to net income (ytd only)* | 59.1279% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0692% | 2,983 |
| Loan loss allowance to noncurrent loans | 663.0473% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 2,840 |
| Noncurrent loans to loans | 0.1613% | 2,713 |
| Net loans and leases to total assets | 63.0800% | 2,562 |
| Net loans and leases to deposits | 74.2123% | 2,599 |
| Net loans and leases to core deposits | 79.5681% | 2,729 |
| Total domestic deposits to total assets | 85.0000% | 2,312 |
| Equity capital to assets | 9.9482% | 2,042 |
| Core capital (leverage) ratio | 9.5764% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2175% | 1,795 |
| Memoranda: | ||
| Average total assets | $539,755,600 | 1,641 |
| Average earning assets | $495,323,400 | 1,653 |
| Average equity | $52,736,200 | 1,535 |
| Average total loans | $342,480,200 | 1,635 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 3,458 |
| Cost of funding earning assets | 1.0268% | 2,960 |
| Net interest margin | 3.1776% | 2,966 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3045% | 2,780 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.7344% | 3,221 |
| Return on assets (ROA) | 0.7392% | 3,195 |
| Pretax return on assets | 0.9146% | 3,067 |
| Return on Equity (ROE) | 7.6000% | 3,289 |
| Retained earnings to average equity (ytd only) | 2.9962% | 3,511 |
| Net charge-offs to loans | 0.0059% | 2,235 |
| Credit loss provision to net charge-offs | 2,066.6667% | 232 |
| Earnings coverage of net charge-offs (x) | 264.1333% | 491 |
| Efficiency ratio | 68.4891% | 1,964 |
| Assets per employee ($millions) | 6.7410% | 2,145 |
| Cash dividends to net income (ytd only)* | 60.5857% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,164 |
| Loan loss allowance to noncurrent loans | 678.8760% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 2,929 |
| Noncurrent loans to loans | 0.1528% | 2,787 |
| Net loans and leases to total assets | 62.7400% | 2,586 |
| Net loans and leases to deposits | 69.9657% | 2,845 |
| Net loans and leases to core deposits | 74.3583% | 2,973 |
| Total domestic deposits to total assets | 89.6800% | 1,023 |
| Equity capital to assets | 9.5191% | 2,084 |
| Core capital (leverage) ratio | 9.6105% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3782% | 1,763 |
| Memoranda: | ||
| Average total assets | $535,860,250 | 1,651 |
| Average earning assets | $491,763,000 | 1,657 |
| Average equity | $52,108,750 | 1,544 |
| Average total loans | $339,573,750 | 1,644 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 3,473 |
| Cost of funding earning assets | 0.9018% | 2,922 |
| Net interest margin | 3.2087% | 2,967 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 2.4538% | 2,339 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6582% | 3,439 |
| Return on assets (ROA) | 0.6652% | 3,426 |
| Pretax return on assets | 0.8153% | 3,370 |
| Return on Equity (ROE) | 6.7900% | 3,525 |
| Retained earnings to average equity (ytd only) | 2.2290% | 3,666 |
| Net charge-offs to loans | 0.0082% | 1,903 |
| Credit loss provision to net charge-offs | 607.1429% | 570 |
| Earnings coverage of net charge-offs (x) | 160.7857% | 715 |
| Efficiency ratio | 72.9834% | 1,457 |
| Assets per employee ($millions) | 6.5610% | 2,246 |
| Cash dividends to net income (ytd only)* | 67.1892% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,423 |
| Loan loss allowance to noncurrent loans | 1,021.4953% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,150 |
| Noncurrent loans to loans | 0.0978% | 3,004 |
| Net loans and leases to total assets | 61.9000% | 2,582 |
| Net loans and leases to deposits | 68.9382% | 2,864 |
| Net loans and leases to core deposits | 72.1302% | 3,007 |
| Total domestic deposits to total assets | 89.7900% | 982 |
| Equity capital to assets | 9.9100% | 1,911 |
| Core capital (leverage) ratio | 9.4204% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6059% | 1,694 |
| Memoranda: | ||
| Average total assets | $536,967,000 | 1,646 |
| Average earning assets | $493,665,333 | 1,651 |
| Average equity | $52,580,667 | 1,533 |
| Average total loans | $340,221,000 | 1,629 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,502 |
| Cost of funding earning assets | 0.7486% | 2,897 |
| Net interest margin | 3.2228% | 3,060 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.0272% | 3,565 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0080% | 2,506 |
| Return on assets (ROA) | 1.0210% | 2,429 |
| Pretax return on assets | 1.2825% | 2,220 |
| Return on Equity (ROE) | 10.4900% | 2,635 |
| Retained earnings to average equity (ytd only) | 5.9474% | 2,774 |
| Net charge-offs to loans | 0.0046% | 1,801 |
| Credit loss provision to net charge-offs | 625.0000% | 486 |
| Earnings coverage of net charge-offs (x) | 436.0000% | 257 |
| Efficiency ratio | 59.6975% | 2,994 |
| Assets per employee ($millions) | 6.6096% | 2,255 |
| Cash dividends to net income (ytd only)* | 43.2900% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 3,689 |
| Loan loss allowance to noncurrent loans | 4,087.3418% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,702 |
| Noncurrent loans to loans | 0.0234% | 3,601 |
| Net loans and leases to total assets | 61.6300% | 2,498 |
| Net loans and leases to deposits | 68.7521% | 2,719 |
| Net loans and leases to core deposits | 72.1242% | 2,810 |
| Total domestic deposits to total assets | 89.6500% | 1,283 |
| Equity capital to assets | 9.9438% | 1,846 |
| Core capital (leverage) ratio | 9.2312% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9437% | 1,992 |
| Memoranda: | ||
| Average total assets | $543,009,000 | 1,646 |
| Average earning assets | $499,068,500 | 1,655 |
| Average equity | $52,863,000 | 1,542 |
| Average total loans | $346,242,500 | 1,627 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4885% | 3,108 |
| Cost of funding earning assets | 0.3029% | 2,850 |
| Net interest margin | 3.1857% | 2,914 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.8104% | 4,014 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0322% | 2,448 |
| Return on assets (ROA) | 1.0585% | 2,288 |
| Pretax return on assets | 1.3614% | 1,898 |
| Return on Equity (ROE) | 10.9000% | 2,509 |
| Retained earnings to average equity (ytd only) | 6.0717% | 2,616 |
| Net charge-offs to loans | 0.0060% | 2,198 |
| Credit loss provision to net charge-offs | 3,473.6842% | 172 |
| Earnings coverage of net charge-offs (x) | 392.3684% | 391 |
| Efficiency ratio | 53.9032% | 3,804 |
| Assets per employee ($millions) | 6.5546% | 2,291 |
| Cash dividends to net income (ytd only)* | 44.3213% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 3,760 |
| Loan loss allowance to noncurrent loans | 82.4467% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 669 |
| Noncurrent loans to loans | 1.0954% | 657 |
| Net loans and leases to total assets | 64.7000% | 2,177 |
| Net loans and leases to deposits | 73.9016% | 2,267 |
| Net loans and leases to core deposits | 78.4068% | 2,247 |
| Total domestic deposits to total assets | 87.5500% | 2,216 |
| Equity capital to assets | 9.5274% | 1,983 |
| Core capital (leverage) ratio | 9.3926% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9939% | 2,381 |
| Memoranda: | ||
| Average total assets | $511,593,400 | 1,693 |
| Average earning assets | $471,833,000 | 1,696 |
| Average equity | $49,657,000 | 1,634 |
| Average total loans | $314,881,400 | 1,659 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 2,976 |
| Cost of funding earning assets | 0.2247% | 2,989 |
| Net interest margin | 3.1519% | 2,771 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.7766% | 4,025 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0628% | 2,239 |
| Return on assets (ROA) | 1.0982% | 2,072 |
| Pretax return on assets | 1.4059% | 1,696 |
| Return on Equity (ROE) | 11.2600% | 2,282 |
| Retained earnings to average equity (ytd only) | 6.3715% | 2,607 |
| Net charge-offs to loans | 0.0031% | 2,126 |
| Credit loss provision to net charge-offs | 5,142.8571% | 109 |
| Earnings coverage of net charge-offs (x) | 785.7143% | 209 |
| Efficiency ratio | 53.4606% | 3,871 |
| Assets per employee ($millions) | 6.7419% | 2,135 |
| Cash dividends to net income (ytd only)* | 43.4049% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 3,964 |
| Loan loss allowance to noncurrent loans | 677.4942% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,107 |
| Noncurrent loans to loans | 0.1267% | 3,003 |
| Net loans and leases to total assets | 62.5100% | 2,232 |
| Net loans and leases to deposits | 69.1254% | 2,444 |
| Net loans and leases to core deposits | 71.6928% | 2,510 |
| Total domestic deposits to total assets | 90.4300% | 1,461 |
| Equity capital to assets | 9.3593% | 1,976 |
| Core capital (leverage) ratio | 9.1291% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1459% | 2,408 |
| Memoranda: | ||
| Average total assets | $503,483,500 | 1,720 |
| Average earning assets | $465,104,000 | 1,725 |
| Average equity | $49,113,250 | 1,664 |
| Average total loans | $304,799,250 | 1,691 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2321% | 2,948 |
| Cost of funding earning assets | 0.2082% | 2,804 |
| Net interest margin | 3.0239% | 2,815 |
| Noninterest income to average assets | 0.3035% | 3,343 |
| Noninterest expense to average assets | 1.7285% | 4,095 |
| Loan and lease loss provision to assets | 0.0285% | 2,077 |
| Net operating income to assets | 1.0431% | 2,006 |
| Return on assets (ROA) | 1.0974% | 1,754 |
| Pretax return on assets | 1.4107% | 1,408 |
| Return on Equity (ROE) | 11.0855% | 1,954 |
| Retained earnings to average equity (ytd only) | 6.1573% | 2,283 |
| Net charge-offs to loans | 0.0007% | 2,132 |
| Credit loss provision to net charge-offs | 7,000.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 3,368.0000% | 25 |
| Efficiency ratio | 54.2805% | 3,938 |
| Assets per employee ($millions) | 7.0285% | 1,921 |
| Cash dividends to net income (ytd only)* | 44.4568% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 4,184 |
| Loan loss allowance to noncurrent loans | 684.6753% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,169 |
| Noncurrent loans to loans | 0.1157% | 3,157 |
| Net loans and leases to total assets | 60.2003% | 2,302 |
| Net loans and leases to deposits | 66.7758% | 2,485 |
| Net loans and leases to core deposits | 69.2742% | 2,545 |
| Total domestic deposits to total assets | 90.1529% | 1,648 |
| Equity capital to assets | 9.6919% | 1,886 |
| Core capital (leverage) ratio | 8.7748% | 3,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4228% | 2,327 |
| Memoranda: | ||
| Average total assets | $491,528,667 | 1,756 |
| Average earning assets | $454,374,333 | 1,769 |
| Average equity | $48,658,000 | 1,715 |
| Average total loans | $293,046,000 | 1,738 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 3,247 |
| Cost of funding earning assets | 0.1878% | 2,972 |
| Net interest margin | 2.8157% | 3,089 |
| Noninterest income to average assets | 0.3299% | 3,123 |
| Noninterest expense to average assets | 1.7479% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9300% | 2,153 |
| Return on assets (ROA) | 0.9232% | 2,180 |
| Pretax return on assets | 1.1883% | 1,842 |
| Return on Equity (ROE) | 9.2114% | 2,241 |
| Retained earnings to average equity (ytd only) | 4.0413% | 2,923 |
| Net charge-offs to loans | 0.0029% | 1,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 693.0000% | 140 |
| Efficiency ratio | 58.0059% | 3,682 |
| Assets per employee ($millions) | 7.0960% | 1,927 |
| Cash dividends to net income (ytd only)* | 56.1272% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 4,274 |
| Loan loss allowance to noncurrent loans | 2,565.0000% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,701 |
| Noncurrent loans to loans | 0.0305% | 3,774 |
| Net loans and leases to total assets | 56.6651% | 2,455 |
| Net loans and leases to deposits | 62.7745% | 2,646 |
| Net loans and leases to core deposits | 65.0563% | 2,717 |
| Total domestic deposits to total assets | 90.2677% | 1,401 |
| Equity capital to assets | 9.5611% | 2,234 |
| Core capital (leverage) ratio | 8.3818% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5022% | 2,413 |
| Memoranda: | ||
| Average total assets | $463,183,000 | 1,847 |
| Average earning assets | $430,161,000 | 1,859 |
| Average equity | $46,420,500 | 1,842 |
| Average total loans | $273,236,000 | 1,824 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4468% | 2,810 |
| Cost of funding earning assets | 0.0700% | 4,591 |
| Net interest margin | 3.3768% | 2,095 |
| Noninterest income to average assets | 0.3790% | 3,166 |
| Noninterest expense to average assets | 1.8501% | 4,047 |
| Loan and lease loss provision to assets | 0.0652% | 1,757 |
| Net operating income to assets | 1.0748% | 2,390 |
| Return on assets (ROA) | 1.0757% | 2,460 |
| Pretax return on assets | 1.4050% | 2,037 |
| Return on Equity (ROE) | 9.5891% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.1945% | 1,466 |
| Net charge-offs to loans | 0.0312% | 1,616 |
| Credit loss provision to net charge-offs | 335.9375% | 1,008 |
| Earnings coverage of net charge-offs (x) | 75.7031% | 1,028 |
| Efficiency ratio | 55.7413% | 3,729 |
| Assets per employee ($millions) | 6.7595% | 2,101 |
| Cash dividends to net income (ytd only)* | 14.5434% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 2,988 |
| Loan loss allowance to noncurrent loans | 1,915.6716% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,747 |
| Noncurrent loans to loans | 0.0614% | 3,644 |
| Net loans and leases to total assets | 61.3503% | 2,026 |
| Net loans and leases to deposits | 68.9086% | 2,232 |
| Net loans and leases to core deposits | 69.7938% | 2,472 |
| Total domestic deposits to total assets | 89.0314% | 1,500 |
| Equity capital to assets | 10.7786% | 1,950 |
| Core capital (leverage) ratio | 10.1927% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0875% | 1,483 |
| Memoranda: | ||
| Average total assets | $329,826,200 | 2,296 |
| Average earning assets | $287,165,400 | 2,397 |
| Average equity | $37,000,400 | 2,202 |
| Average total loans | $205,216,600 | 2,204 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 2,276 |
| Cost of funding earning assets | 0.0754% | 4,657 |
| Net interest margin | 3.6245% | 1,538 |
| Noninterest income to average assets | 0.3773% | 3,219 |
| Noninterest expense to average assets | 1.8388% | 4,088 |
| Loan and lease loss provision to assets | 0.0348% | 2,304 |
| Net operating income to assets | 1.2258% | 2,082 |
| Return on assets (ROA) | 1.2268% | 2,137 |
| Pretax return on assets | 1.6053% | 1,682 |
| Return on Equity (ROE) | 10.8211% | 2,430 |
| Retained earnings to average equity (ytd only) | 8.9505% | 1,716 |
| Net charge-offs to loans | 0.0429% | 1,247 |
| Credit loss provision to net charge-offs | 130.7692% | 1,413 |
| Earnings coverage of net charge-offs (x) | 61.3538% | 1,125 |
| Efficiency ratio | 52.8717% | 3,933 |
| Assets per employee ($millions) | 6.3904% | 2,346 |
| Cash dividends to net income (ytd only)* | 17.2864% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,961 |
| Loan loss allowance to noncurrent loans | 1,345.8564% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,769 |
| Noncurrent loans to loans | 0.0896% | 3,633 |
| Net loans and leases to total assets | 60.0354% | 2,256 |
| Net loans and leases to deposits | 67.9109% | 2,444 |
| Net loans and leases to core deposits | 68.8405% | 2,702 |
| Total domestic deposits to total assets | 88.4033% | 1,620 |
| Equity capital to assets | 11.4005% | 1,736 |
| Core capital (leverage) ratio | 10.3913% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6476% | 1,444 |
| Memoranda: | ||
| Average total assets | $324,409,500 | 2,346 |
| Average earning assets | $277,508,250 | 2,467 |
| Average equity | $36,779,000 | 2,243 |
| Average total loans | $201,968,500 | 2,260 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 2,721 |
| Cost of funding earning assets | 0.0827% | 4,684 |
| Net interest margin | 3.4864% | 1,897 |
| Noninterest income to average assets | 0.3798% | 3,214 |
| Noninterest expense to average assets | 1.8062% | 4,170 |
| Loan and lease loss provision to assets | 0.0218% | 2,541 |
| Net operating income to assets | 1.1739% | 2,282 |
| Return on assets (ROA) | 1.1753% | 2,344 |
| Pretax return on assets | 1.5414% | 1,899 |
| Return on Equity (ROE) | 10.3871% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.5582% | 2,230 |
| Net charge-offs to loans | 0.0564% | 1,057 |
| Credit loss provision to net charge-offs | 61.4035% | 1,553 |
| Earnings coverage of net charge-offs (x) | 44.0702% | 1,119 |
| Efficiency ratio | 53.6360% | 3,846 |
| Assets per employee ($millions) | 6.2589% | 2,379 |
| Cash dividends to net income (ytd only)* | 27.2343% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,162.1359% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,815 |
| Noncurrent loans to loans | 0.1018% | 3,673 |
| Net loans and leases to total assets | 60.2768% | 2,395 |
| Net loans and leases to deposits | 67.9508% | 2,624 |
| Net loans and leases to core deposits | 68.8789% | 2,876 |
| Total domestic deposits to total assets | 88.7065% | 1,450 |
| Equity capital to assets | 11.1328% | 1,891 |
| Core capital (leverage) ratio | 9.9456% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4707% | 1,478 |
| Memoranda: | ||
| Average total assets | $321,778,667 | 2,354 |
| Average earning assets | $275,754,333 | 2,472 |
| Average equity | $36,410,667 | 2,255 |
| Average total loans | $201,979,667 | 2,268 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2901% | 3,473 |
| Cost of funding earning assets | 0.0970% | 4,667 |
| Net interest margin | 3.1930% | 2,724 |
| Noninterest income to average assets | 0.4015% | 3,079 |
| Noninterest expense to average assets | 1.8181% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0182% | 2,755 |
| Return on assets (ROA) | 1.0202% | 2,832 |
| Pretax return on assets | 1.3283% | 2,490 |
| Return on Equity (ROE) | 8.9403% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.9403% | 1,967 |
| Net charge-offs to loans | 0.0951% | 709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,218 |
| Efficiency ratio | 57.8313% | 3,328 |
| Assets per employee ($millions) | 6.5952% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 3,180 |
| Loan loss allowance to noncurrent loans | 696.4706% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 3,680 |
| Noncurrent loans to loans | 0.1655% | 3,515 |
| Net loans and leases to total assets | 60.3806% | 2,491 |
| Net loans and leases to deposits | 67.8820% | 2,716 |
| Net loans and leases to core deposits | 68.7504% | 2,991 |
| Total domestic deposits to total assets | 88.9494% | 1,366 |
| Equity capital to assets | 10.8410% | 1,974 |
| Core capital (leverage) ratio | 10.2083% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8385% | 1,948 |
| Memoranda: | ||
| Average total assets | $316,806,500 | 2,360 |
| Average earning assets | $272,092,000 | 2,477 |
| Average equity | $36,151,000 | 2,256 |
| Average total loans | $201,796,500 | 2,273 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,021 |
| Cost of funding earning assets | 0.2499% | 4,375 |
| Net interest margin | 3.6522% | 1,972 |
| Noninterest income to average assets | 0.4292% | 2,965 |
| Noninterest expense to average assets | 1.9850% | 4,169 |
| Loan and lease loss provision to assets | 0.0282% | 4,046 |
| Net operating income to assets | 1.3338% | 1,164 |
| Return on assets (ROA) | 1.3336% | 1,260 |
| Pretax return on assets | 1.7349% | 795 |
| Return on Equity (ROE) | 11.0260% | 1,620 |
| Retained earnings to average equity (ytd only) | 4.4880% | 2,538 |
| Net charge-offs to loans | -0.0088% | 4,236 |
| Credit loss provision to net charge-offs | -470.5882% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9545% | 4,315 |
| Assets per employee ($millions) | 6.0665% | 2,283 |
| Cash dividends to net income (ytd only)* | 59.2965% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,843 |
| Loan loss allowance to noncurrent loans | 1,750.7246% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,114 |
| Noncurrent loans to loans | 0.0697% | 4,018 |
| Net loans and leases to total assets | 65.8403% | 2,118 |
| Net loans and leases to deposits | 75.1050% | 2,374 |
| Net loans and leases to core deposits | 76.3068% | 2,705 |
| Total domestic deposits to total assets | 87.6643% | 1,627 |
| Equity capital to assets | 12.0561% | 1,540 |
| Core capital (leverage) ratio | 10.6004% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1398% | 1,810 |
| Memoranda: | ||
| Average total assets | $283,528,400 | 2,381 |
| Average earning assets | $257,678,000 | 2,420 |
| Average equity | $34,291,600 | 2,270 |
| Average total loans | $193,060,400 | 2,304 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 3,183 |
| Cost of funding earning assets | 0.2823% | 4,380 |
| Net interest margin | 3.6398% | 2,125 |
| Noninterest income to average assets | 0.4303% | 2,934 |
| Noninterest expense to average assets | 1.9883% | 4,171 |
| Loan and lease loss provision to assets | 0.0382% | 3,876 |
| Net operating income to assets | 1.2931% | 1,370 |
| Return on assets (ROA) | 1.2924% | 1,476 |
| Pretax return on assets | 1.7237% | 919 |
| Return on Equity (ROE) | 10.6766% | 1,791 |
| Retained earnings to average equity (ytd only) | 1.8601% | 3,976 |
| Net charge-offs to loans | -0.0118% | 4,266 |
| Credit loss provision to net charge-offs | -470.5882% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0076% | 4,251 |
| Assets per employee ($millions) | 6.1693% | 2,117 |
| Cash dividends to net income (ytd only)* | 82.5783% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,483 |
| Loan loss allowance to noncurrent loans | 786.9707% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,913 |
| Noncurrent loans to loans | 0.1567% | 3,760 |
| Net loans and leases to total assets | 65.3551% | 2,601 |
| Net loans and leases to deposits | 74.3464% | 2,925 |
| Net loans and leases to core deposits | 75.5370% | 3,208 |
| Total domestic deposits to total assets | 87.9062% | 1,259 |
| Equity capital to assets | 11.7764% | 1,821 |
| Core capital (leverage) ratio | 10.6267% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2258% | 1,757 |
| Memoranda: | ||
| Average total assets | $280,095,500 | 2,378 |
| Average earning assets | $255,538,250 | 2,410 |
| Average equity | $33,905,000 | 2,283 |
| Average total loans | $191,792,250 | 2,310 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,375 |
| Cost of funding earning assets | 0.3222% | 4,390 |
| Net interest margin | 3.6591% | 2,296 |
| Noninterest income to average assets | 0.4404% | 2,858 |
| Noninterest expense to average assets | 2.0462% | 4,138 |
| Loan and lease loss provision to assets | 0.0437% | 3,742 |
| Net operating income to assets | 1.2838% | 1,405 |
| Return on assets (ROA) | 1.2826% | 1,522 |
| Pretax return on assets | 1.7383% | 914 |
| Return on Equity (ROE) | 10.4936% | 1,810 |
| Retained earnings to average equity (ytd only) | -2.8586% | 4,645 |
| Net charge-offs to loans | 0.0494% | 1,779 |
| Credit loss provision to net charge-offs | 127.6596% | 2,245 |
| Earnings coverage of net charge-offs (x) | 52.1277% | 1,072 |
| Efficiency ratio | 53.4309% | 4,239 |
| Assets per employee ($millions) | 5.7885% | 2,385 |
| Cash dividends to net income (ytd only)* | 127.2418% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,512 |
| Loan loss allowance to noncurrent loans | 288.2571% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,184 |
| Noncurrent loans to loans | 0.4165% | 2,918 |
| Net loans and leases to total assets | 67.6574% | 2,416 |
| Net loans and leases to deposits | 77.1811% | 2,739 |
| Net loans and leases to core deposits | 78.4726% | 3,069 |
| Total domestic deposits to total assets | 87.6605% | 1,346 |
| Equity capital to assets | 11.9608% | 1,686 |
| Core capital (leverage) ratio | 10.6481% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0365% | 1,802 |
| Memoranda: | ||
| Average total assets | $274,751,667 | 2,380 |
| Average earning assets | $254,490,000 | 2,385 |
| Average equity | $33,582,333 | 2,285 |
| Average total loans | $190,406,333 | 2,300 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 3,731 |
| Cost of funding earning assets | 0.3882% | 4,401 |
| Net interest margin | 3.6333% | 2,558 |
| Noninterest income to average assets | 0.4854% | 2,632 |
| Noninterest expense to average assets | 2.1176% | 4,183 |
| Loan and lease loss provision to assets | 0.0518% | 3,130 |
| Net operating income to assets | 1.3398% | 1,132 |
| Return on assets (ROA) | 1.3362% | 1,232 |
| Pretax return on assets | 1.7328% | 814 |
| Return on Equity (ROE) | 10.8108% | 1,467 |
| Retained earnings to average equity (ytd only) | -7.4945% | 4,666 |
| Net charge-offs to loans | 0.0722% | 1,310 |
| Credit loss provision to net charge-offs | 102.9412% | 1,797 |
| Earnings coverage of net charge-offs (x) | 35.5588% | 1,081 |
| Efficiency ratio | 54.2045% | 4,385 |
| Assets per employee ($millions) | 5.5389% | 2,077 |
| Cash dividends to net income (ytd only)* | 169.3245% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,641 |
| Loan loss allowance to noncurrent loans | 342.1829% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,451 |
| Noncurrent loans to loans | 0.3523% | 3,225 |
| Net loans and leases to total assets | 70.0444% | 2,252 |
| Net loans and leases to deposits | 80.0515% | 2,673 |
| Net loans and leases to core deposits | 81.6465% | 3,044 |
| Total domestic deposits to total assets | 87.4991% | 1,335 |
| Equity capital to assets | 12.2116% | 1,913 |
| Core capital (leverage) ratio | 11.1061% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,310,000 | 2,369 |
| Average earning assets | $254,536,000 | 2,347 |
| Average equity | $33,411,000 | 2,280 |
| Average total loans | $188,493,500 | 2,272 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 3,955 |
| Cost of funding earning assets | 0.4074% | 4,421 |
| Net interest margin | 3.7322% | 2,726 |
| Noninterest income to average assets | 0.4091% | 3,237 |
| Noninterest expense to average assets | 2.1181% | 4,324 |
| Loan and lease loss provision to assets | 0.0676% | 2,661 |
| Net operating income to assets | 1.3431% | 1,531 |
| Return on assets (ROA) | 1.3434% | 1,610 |
| Pretax return on assets | 1.7480% | 1,072 |
| Return on Equity (ROE) | 11.0208% | 1,878 |
| Retained earnings to average equity (ytd only) | 7.9636% | 992 |
| Net charge-offs to loans | 0.0849% | 1,903 |
| Credit loss provision to net charge-offs | 115.3846% | 2,183 |
| Earnings coverage of net charge-offs (x) | 30.9744% | 1,551 |
| Efficiency ratio | 53.8491% | 4,433 |
| Assets per employee ($millions) | 5.3843% | 2,167 |
| Cash dividends to net income (ytd only)* | 27.7405% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,133 |
| Loan loss allowance to noncurrent loans | 582.6633% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,892 |
| Noncurrent loans to loans | 0.2156% | 3,683 |
| Net loans and leases to total assets | 67.6946% | 2,724 |
| Net loans and leases to deposits | 79.5197% | 2,833 |
| Net loans and leases to core deposits | 81.8603% | 3,137 |
| Total domestic deposits to total assets | 85.1294% | 2,445 |
| Equity capital to assets | 12.5101% | 1,811 |
| Core capital (leverage) ratio | 11.3236% | 2,231 |
| Tier 1 risk-based capital ratio | 14.6876% | 2,915 |
| Total risk-based capital ratio | 15.8262% | 2,881 |
| Memoranda: | ||
| Average total assets | $266,184,000 | 2,352 |
| Average earning assets | $251,354,400 | 2,330 |
| Average equity | $32,447,600 | 2,276 |
| Average total loans | $183,798,400 | 2,280 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 4,085 |
| Cost of funding earning assets | 0.4011% | 4,498 |
| Net interest margin | 3.7301% | 2,822 |
| Noninterest income to average assets | 0.4034% | 3,292 |
| Noninterest expense to average assets | 2.1032% | 4,361 |
| Loan and lease loss provision to assets | 0.0402% | 3,104 |
| Net operating income to assets | 1.3679% | 1,584 |
| Return on assets (ROA) | 1.3683% | 1,645 |
| Pretax return on assets | 1.7827% | 1,132 |
| Return on Equity (ROE) | 11.3004% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.3755% | 935 |
| Net charge-offs to loans | 0.1060% | 1,404 |
| Credit loss provision to net charge-offs | 54.7945% | 2,748 |
| Earnings coverage of net charge-offs (x) | 24.8495% | 1,782 |
| Efficiency ratio | 53.5765% | 4,439 |
| Assets per employee ($millions) | 5.4804% | 2,048 |
| Cash dividends to net income (ytd only)* | 17.0337% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 2,426 |
| Loan loss allowance to noncurrent loans | 136.6646% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 2,178 |
| Noncurrent loans to loans | 0.8901% | 1,800 |
| Net loans and leases to total assets | 67.4040% | 2,876 |
| Net loans and leases to deposits | 77.2645% | 3,173 |
| Net loans and leases to core deposits | 79.1331% | 3,458 |
| Total domestic deposits to total assets | 87.2380% | 1,410 |
| Equity capital to assets | 12.4757% | 1,930 |
| Core capital (leverage) ratio | 11.4831% | 2,233 |
| Tier 1 risk-based capital ratio | 14.5465% | 3,048 |
| Total risk-based capital ratio | 15.6423% | 3,041 |
| Memoranda: | ||
| Average total assets | $265,426,250 | 2,373 |
| Average earning assets | $250,637,250 | 2,353 |
| Average equity | $32,139,750 | 2,305 |
| Average total loans | $183,607,250 | 2,308 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1395% | 4,067 |
| Cost of funding earning assets | 0.3894% | 4,549 |
| Net interest margin | 3.7501% | 2,753 |
| Noninterest income to average assets | 0.3903% | 3,336 |
| Noninterest expense to average assets | 2.1226% | 4,373 |
| Loan and lease loss provision to assets | 0.0605% | 2,612 |
| Net operating income to assets | 1.3480% | 1,583 |
| Return on assets (ROA) | 1.3480% | 1,651 |
| Pretax return on assets | 1.7550% | 1,160 |
| Return on Equity (ROE) | 11.2480% | 1,893 |
| Retained earnings to average equity (ytd only) | 11.2480% | 517 |
| Net charge-offs to loans | 0.1208% | 1,228 |
| Credit loss provision to net charge-offs | 72.0721% | 2,305 |
| Earnings coverage of net charge-offs (x) | 21.6216% | 1,728 |
| Efficiency ratio | 53.8993% | 4,483 |
| Assets per employee ($millions) | 4.5105% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,136 |
| Loan loss allowance to noncurrent loans | 105.8439% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 1,723 |
| Noncurrent loans to loans | 1.1998% | 1,337 |
| Net loans and leases to total assets | 67.2836% | 2,928 |
| Net loans and leases to deposits | 77.2058% | 3,227 |
| Net loans and leases to core deposits | 78.9027% | 3,510 |
| Total domestic deposits to total assets | 87.1484% | 1,517 |
| Equity capital to assets | 12.5856% | 1,810 |
| Core capital (leverage) ratio | 11.1950% | 2,422 |
| Tier 1 risk-based capital ratio | 14.6477% | 2,998 |
| Total risk-based capital ratio | 15.7867% | 2,975 |
| Memoranda: | ||
| Average total assets | $264,388,670 | 2,389 |
| Average earning assets | $250,126,330 | 2,364 |
| Average equity | $31,685,670 | 2,325 |
| Average total loans | $183,731,330 | 2,311 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 4,242 |
| Cost of funding earning assets | 0.3675% | 4,613 |
| Net interest margin | 3.6893% | 2,934 |
| Noninterest income to average assets | 0.4154% | 3,080 |
| Noninterest expense to average assets | 2.1266% | 4,420 |
| Loan and lease loss provision to assets | 0.0677% | 2,316 |
| Net operating income to assets | 1.3154% | 1,643 |
| Return on assets (ROA) | 1.3154% | 1,688 |
| Pretax return on assets | 1.7112% | 1,185 |
| Return on Equity (ROE) | 11.2535% | 1,841 |
| Retained earnings to average equity (ytd only) | 11.2535% | 755 |
| Net charge-offs to loans | 0.1802% | 765 |
| Credit loss provision to net charge-offs | 53.5714% | 1,951 |
| Earnings coverage of net charge-offs (x) | 14.0714% | 1,813 |
| Efficiency ratio | 54.4509% | 4,492 |
| Assets per employee ($millions) | 5.6289% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,523 |
| Loan loss allowance to noncurrent loans | 116.5891% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 1,961 |
| Noncurrent loans to loans | 1.0379% | 1,610 |
| Net loans and leases to total assets | 68.1702% | 2,738 |
| Net loans and leases to deposits | 77.4816% | 3,115 |
| Net loans and leases to core deposits | 79.2761% | 3,425 |
| Total domestic deposits to total assets | 87.9824% | 1,345 |
| Equity capital to assets | 11.7219% | 2,214 |
| Core capital (leverage) ratio | 10.8362% | 2,732 |
| Tier 1 risk-based capital ratio | 14.4093% | 3,142 |
| Total risk-based capital ratio | 15.5618% | 3,117 |
| Memoranda: | ||
| Average total assets | $265,778,500 | 2,398 |
| Average earning assets | $251,429,000 | 2,371 |
| Average equity | $31,066,000 | 2,353 |
| Average total loans | $186,455,000 | 2,306 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 4,157 |
| Cost of funding earning assets | 0.2585% | 4,767 |
| Net interest margin | 3.6955% | 3,046 |
| Noninterest income to average assets | 0.4076% | 3,396 |
| Noninterest expense to average assets | 2.1585% | 4,430 |
| Loan and lease loss provision to assets | 0.1365% | 1,576 |
| Net operating income to assets | 1.2386% | 2,020 |
| Return on assets (ROA) | 1.2383% | 2,009 |
| Pretax return on assets | 1.6028% | 1,461 |
| Return on Equity (ROE) | 10.9095% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.7286% | 1,797 |
| Net charge-offs to loans | 0.1244% | 1,495 |
| Credit loss provision to net charge-offs | 157.7778% | 1,759 |
| Earnings coverage of net charge-offs (x) | 20.1067% | 2,017 |
| Efficiency ratio | 55.3714% | 4,476 |
| Assets per employee ($millions) | 5.3341% | 2,119 |
| Cash dividends to net income (ytd only)* | 38.3230% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,402 |
| Loan loss allowance to noncurrent loans | 733.2268% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,197 |
| Noncurrent loans to loans | 0.1679% | 3,995 |
| Net loans and leases to total assets | 70.4641% | 2,502 |
| Net loans and leases to deposits | 80.2660% | 2,926 |
| Net loans and leases to core deposits | 82.1613% | 3,249 |
| Total domestic deposits to total assets | 87.7882% | 1,397 |
| Equity capital to assets | 11.6544% | 2,135 |
| Core capital (leverage) ratio | 10.6682% | 2,872 |
| Tier 1 risk-based capital ratio | 13.9768% | 3,297 |
| Total risk-based capital ratio | 15.1504% | 3,263 |
| Memoranda: | ||
| Average total assets | $260,043,200 | 2,399 |
| Average earning assets | $245,620,000 | 2,372 |
| Average equity | $29,515,600 | 2,361 |
| Average total loans | $180,837,400 | 2,325 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 4,271 |
| Cost of funding earning assets | 0.2353% | 4,867 |
| Net interest margin | 3.6391% | 3,231 |
| Noninterest income to average assets | 0.3963% | 3,506 |
| Noninterest expense to average assets | 2.1700% | 4,388 |
| Loan and lease loss provision to assets | 0.1027% | 1,953 |
| Net operating income to assets | 1.2085% | 2,210 |
| Return on assets (ROA) | 1.2085% | 2,212 |
| Pretax return on assets | 1.5612% | 1,700 |
| Return on Equity (ROE) | 10.7195% | 2,297 |
| Retained earnings to average equity (ytd only) | 8.5064% | 1,416 |
| Net charge-offs to loans | 0.0409% | 2,271 |
| Credit loss provision to net charge-offs | 363.6364% | 870 |
| Earnings coverage of net charge-offs (x) | 58.9285% | 1,069 |
| Efficiency ratio | 56.6015% | 4,301 |
| Assets per employee ($millions) | 5.2859% | 2,135 |
| Cash dividends to net income (ytd only)* | 20.6456% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,278 |
| Loan loss allowance to noncurrent loans | 523.8095% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 4,100 |
| Noncurrent loans to loans | 0.2416% | 3,830 |
| Net loans and leases to total assets | 69.5699% | 2,711 |
| Net loans and leases to deposits | 78.9062% | 3,153 |
| Net loans and leases to core deposits | 80.4597% | 3,457 |
| Total domestic deposits to total assets | 88.1679% | 1,165 |
| Equity capital to assets | 11.5846% | 2,193 |
| Core capital (leverage) ratio | 10.7151% | 2,869 |
| Tier 1 risk-based capital ratio | 14.1695% | 3,287 |
| Total risk-based capital ratio | 15.3723% | 3,224 |
| Memoranda: | ||
| Average total assets | $259,711,500 | 2,414 |
| Average earning assets | $245,328,750 | 2,384 |
| Average equity | $29,279,250 | 2,384 |
| Average total loans | $179,430,000 | 2,348 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 4,374 |
| Cost of funding earning assets | 0.1960% | 5,048 |
| Net interest margin | 3.5929% | 3,347 |
| Noninterest income to average assets | 0.3993% | 3,490 |
| Noninterest expense to average assets | 2.1112% | 4,581 |
| Loan and lease loss provision to assets | 0.0846% | 2,223 |
| Net operating income to assets | 1.2333% | 2,044 |
| Return on assets (ROA) | 1.2333% | 2,041 |
| Pretax return on assets | 1.6019% | 1,496 |
| Return on Equity (ROE) | 11.0410% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.6935% | 1,759 |
| Net charge-offs to loans | 0.0605% | 1,740 |
| Credit loss provision to net charge-offs | 203.7037% | 1,289 |
| Earnings coverage of net charge-offs (x) | 40.5926% | 1,278 |
| Efficiency ratio | 55.5916% | 4,532 |
| Assets per employee ($millions) | 5.0622% | 2,334 |
| Cash dividends to net income (ytd only)* | 30.3182% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 2,522 |
| Loan loss allowance to noncurrent loans | 146.3109% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,468 |
| Noncurrent loans to loans | 0.8441% | 2,034 |
| Net loans and leases to total assets | 68.7961% | 2,754 |
| Net loans and leases to deposits | 79.0077% | 3,051 |
| Net loans and leases to core deposits | 80.4923% | 3,374 |
| Total domestic deposits to total assets | 87.0752% | 1,807 |
| Equity capital to assets | 11.3770% | 2,290 |
| Core capital (leverage) ratio | 10.3271% | 3,213 |
| Tier 1 risk-based capital ratio | 14.0147% | 3,352 |
| Total risk-based capital ratio | 15.1909% | 3,309 |
| Memoranda: | ||
| Average total assets | $259,946,330 | 2,423 |
| Average earning assets | $245,874,670 | 2,387 |
| Average equity | $29,037,330 | 2,412 |
| Average total loans | $178,406,330 | 2,365 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,361 |
| Cost of funding earning assets | 0.1789% | 5,122 |
| Net interest margin | 3.5692% | 3,287 |
| Noninterest income to average assets | 0.4033% | 3,444 |
| Noninterest expense to average assets | 2.1163% | 4,624 |
| Loan and lease loss provision to assets | 0.0307% | 3,104 |
| Net operating income to assets | 1.2498% | 1,807 |
| Return on assets (ROA) | 1.2498% | 1,819 |
| Pretax return on assets | 1.6225% | 1,324 |
| Return on Equity (ROE) | 11.2920% | 1,856 |
| Retained earnings to average equity (ytd only) | 11.2920% | 828 |
| Net charge-offs to loans | 0.0113% | 2,343 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 215.6000% | 313 |
| Efficiency ratio | 56.1432% | 4,560 |
| Assets per employee ($millions) | 5.4260% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,569 |
| Loan loss allowance to noncurrent loans | 234.1568% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 3,444 |
| Noncurrent loans to loans | 0.5300% | 2,932 |
| Net loans and leases to total assets | 65.2482% | 3,141 |
| Net loans and leases to deposits | 73.4774% | 3,467 |
| Net loans and leases to core deposits | 75.9569% | 3,670 |
| Total domestic deposits to total assets | 88.8003% | 1,207 |
| Equity capital to assets | 10.9526% | 2,631 |
| Core capital (leverage) ratio | 10.3753% | 3,092 |
| Tier 1 risk-based capital ratio | 13.9130% | 3,421 |
| Total risk-based capital ratio | 15.0723% | 3,393 |
| Memoranda: | ||
| Average total assets | $260,834,500 | 2,437 |
| Average earning assets | $245,995,500 | 2,411 |
| Average equity | $28,870,000 | 2,445 |
| Average total loans | $177,693,500 | 2,388 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6645% | 4,420 |
| Cost of funding earning assets | 0.1577% | 5,217 |
| Net interest margin | 3.5068% | 3,503 |
| Noninterest income to average assets | 0.3751% | 3,788 |
| Noninterest expense to average assets | 2.1183% | 4,726 |
| Loan and lease loss provision to assets | 0.0542% | 3,147 |
| Net operating income to assets | 0.8677% | 2,877 |
| Return on assets (ROA) | 0.8660% | 2,906 |
| Pretax return on assets | 1.4906% | 1,681 |
| Return on Equity (ROE) | 7.8926% | 2,841 |
| Retained earnings to average equity (ytd only) | 4.4424% | 2,489 |
| Net charge-offs to loans | 0.0057% | 3,883 |
| Credit loss provision to net charge-offs | 1,400.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 399.4000% | 220 |
| Efficiency ratio | 57.7846% | 4,549 |
| Assets per employee ($millions) | 5.2203% | 2,233 |
| Cash dividends to net income (ytd only)* | 43.7136% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 2,746 |
| Loan loss allowance to noncurrent loans | 269.6139% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 3,623 |
| Noncurrent loans to loans | 0.4468% | 3,177 |
| Net loans and leases to total assets | 69.4165% | 2,613 |
| Net loans and leases to deposits | 78.6325% | 3,049 |
| Net loans and leases to core deposits | 81.7153% | 3,268 |
| Total domestic deposits to total assets | 88.2797% | 1,354 |
| Equity capital to assets | 11.1886% | 2,440 |
| Core capital (leverage) ratio | 10.1153% | 3,291 |
| Tier 1 risk-based capital ratio | 13.3029% | 3,740 |
| Total risk-based capital ratio | 14.4391% | 3,720 |
| Memoranda: | ||
| Average total assets | $258,079,800 | 2,432 |
| Average earning assets | $242,186,800 | 2,408 |
| Average equity | $28,317,800 | 2,472 |
| Average total loans | $175,569,800 | 2,378 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 4,500 |
| Cost of funding earning assets | 0.1555% | 5,282 |
| Net interest margin | 3.4700% | 3,599 |
| Noninterest income to average assets | 0.3691% | 3,885 |
| Noninterest expense to average assets | 2.0764% | 4,787 |
| Loan and lease loss provision to assets | 0.0490% | 3,118 |
| Net operating income to assets | 0.9911% | 2,593 |
| Return on assets (ROA) | 0.9887% | 2,663 |
| Pretax return on assets | 1.4959% | 1,779 |
| Return on Equity (ROE) | 9.0548% | 2,572 |
| Retained earnings to average equity (ytd only) | 6.7557% | 1,819 |
| Net charge-offs to loans | 0.0069% | 3,486 |
| Credit loss provision to net charge-offs | 1,055.5556% | 342 |
| Earnings coverage of net charge-offs (x) | 333.7692% | 278 |
| Efficiency ratio | 57.2810% | 4,587 |
| Assets per employee ($millions) | 5.1129% | 2,316 |
| Cash dividends to net income (ytd only)* | 25.3911% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 2,880 |
| Loan loss allowance to noncurrent loans | 370.1571% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,163 |
| Noncurrent loans to loans | 0.3266% | 3,778 |
| Net loans and leases to total assets | 67.7906% | 2,871 |
| Net loans and leases to deposits | 76.8776% | 3,287 |
| Net loans and leases to core deposits | 79.5598% | 3,482 |
| Total domestic deposits to total assets | 88.1800% | 1,271 |
| Equity capital to assets | 11.3596% | 2,512 |
| Core capital (leverage) ratio | 10.2113% | 3,300 |
| Tier 1 risk-based capital ratio | 13.7140% | 3,570 |
| Total risk-based capital ratio | 14.8564% | 3,558 |
| Memoranda: | ||
| Average total assets | $258,651,000 | 2,442 |
| Average earning assets | $242,681,250 | 2,419 |
| Average equity | $28,242,250 | 2,492 |
| Average total loans | $174,530,000 | 2,395 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 4,572 |
| Cost of funding earning assets | 0.1505% | 5,333 |
| Net interest margin | 3.4268% | 3,675 |
| Noninterest income to average assets | 0.3844% | 3,796 |
| Noninterest expense to average assets | 2.0681% | 4,836 |
| Loan and lease loss provision to assets | 0.0578% | 2,818 |
| Net operating income to assets | 0.9710% | 2,564 |
| Return on assets (ROA) | 0.9674% | 2,626 |
| Pretax return on assets | 1.4635% | 1,789 |
| Return on Equity (ROE) | 8.9790% | 2,522 |
| Retained earnings to average equity (ytd only) | 5.4975% | 2,407 |
| Net charge-offs to loans | 0.0023% | 3,430 |
| Credit loss provision to net charge-offs | 3,750.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 991.0000% | 69 |
| Efficiency ratio | 57.5316% | 4,653 |
| Assets per employee ($millions) | 5.2962% | 2,061 |
| Cash dividends to net income (ytd only)* | 38.7739% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,987 |
| Loan loss allowance to noncurrent loans | 1,151.9126% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 4,762 |
| Noncurrent loans to loans | 0.1045% | 4,712 |
| Net loans and leases to total assets | 66.6685% | 3,010 |
| Net loans and leases to deposits | 76.7205% | 3,254 |
| Net loans and leases to core deposits | 79.4444% | 3,462 |
| Total domestic deposits to total assets | 86.8978% | 1,988 |
| Equity capital to assets | 10.9516% | 2,857 |
| Core capital (leverage) ratio | 9.7115% | 3,883 |
| Tier 1 risk-based capital ratio | 13.4666% | 3,715 |
| Total risk-based capital ratio | 14.6113% | 3,690 |
| Memoranda: | ||
| Average total assets | $259,653,670 | 2,440 |
| Average earning assets | $243,259,670 | 2,422 |
| Average equity | $27,976,330 | 2,508 |
| Average total loans | $174,232,330 | 2,400 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,706 |
| Cost of funding earning assets | 0.1404% | 5,438 |
| Net interest margin | 3.3544% | 3,825 |
| Noninterest income to average assets | 0.4235% | 3,499 |
| Noninterest expense to average assets | 2.0853% | 4,881 |
| Loan and lease loss provision to assets | 0.0616% | 2,576 |
| Net operating income to assets | 0.9296% | 2,619 |
| Return on assets (ROA) | 0.9225% | 2,709 |
| Pretax return on assets | 1.3938% | 1,911 |
| Return on Equity (ROE) | 8.6330% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.6330% | 1,221 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7164% | 4,628 |
| Assets per employee ($millions) | 5.3700% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 3,075 |
| Loan loss allowance to noncurrent loans | 2,184.2105% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,908 |
| Noncurrent loans to loans | 0.0554% | 4,973 |
| Net loans and leases to total assets | 64.4278% | 3,212 |
| Net loans and leases to deposits | 72.3385% | 3,580 |
| Net loans and leases to core deposits | 74.7789% | 3,760 |
| Total domestic deposits to total assets | 89.0643% | 1,115 |
| Equity capital to assets | 10.6772% | 2,984 |
| Core capital (leverage) ratio | 9.7267% | 3,840 |
| Tier 1 risk-based capital ratio | 13.5807% | 3,733 |
| Total risk-based capital ratio | 14.7248% | 3,706 |
| Memoranda: | ||
| Average total assets | $259,723,500 | 2,468 |
| Average earning assets | $242,188,500 | 2,455 |
| Average equity | $27,754,000 | 2,533 |
| Average total loans | $173,787,500 | 2,420 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 4,665 |
| Cost of funding earning assets | 0.1380% | 5,498 |
| Net interest margin | 3.4017% | 3,823 |
| Noninterest income to average assets | 0.3785% | 4,045 |
| Noninterest expense to average assets | 2.0769% | 5,040 |
| Loan and lease loss provision to assets | 0.0601% | 3,176 |
| Net operating income to assets | 0.9333% | 2,658 |
| Return on assets (ROA) | 0.9491% | 2,698 |
| Pretax return on assets | 1.4396% | 1,780 |
| Return on Equity (ROE) | 8.9383% | 2,449 |
| Retained earnings to average equity (ytd only) | 5.4103% | 2,071 |
| Net charge-offs to loans | 0.0567% | 2,918 |
| Credit loss provision to net charge-offs | 159.3750% | 1,729 |
| Earnings coverage of net charge-offs (x) | 39.1458% | 1,195 |
| Efficiency ratio | 58.4614% | 4,796 |
| Assets per employee ($millions) | 5.1263% | 2,256 |
| Cash dividends to net income (ytd only)* | 39.4704% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 3,394 |
| Loan loss allowance to noncurrent loans | 4,329.7872% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 5,035 |
| Noncurrent loans to loans | 0.0267% | 5,158 |
| Net loans and leases to total assets | 67.8597% | 2,791 |
| Net loans and leases to deposits | 77.5693% | 3,154 |
| Net loans and leases to core deposits | 80.0803% | 3,389 |
| Total domestic deposits to total assets | 87.4827% | 1,888 |
| Equity capital to assets | 10.6950% | 2,932 |
| Core capital (leverage) ratio | 9.5687% | 4,007 |
| Tier 1 risk-based capital ratio | 13.1106% | 3,993 |
| Total risk-based capital ratio | 14.2208% | 4,000 |
| Memoranda: | ||
| Average total assets | $254,659,400 | 2,467 |
| Average earning assets | $237,616,800 | 2,457 |
| Average equity | $27,040,800 | 2,566 |
| Average total loans | $169,207,000 | 2,423 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5331% | 4,725 |
| Cost of funding earning assets | 0.1367% | 5,572 |
| Net interest margin | 3.3964% | 3,852 |
| Noninterest income to average assets | 0.3907% | 3,988 |
| Noninterest expense to average assets | 2.1144% | 4,979 |
| Loan and lease loss provision to assets | 0.0330% | 3,571 |
| Net operating income to assets | 0.9281% | 2,762 |
| Return on assets (ROA) | 0.9492% | 2,797 |
| Pretax return on assets | 1.4406% | 1,913 |
| Return on Equity (ROE) | 8.9554% | 2,511 |
| Retained earnings to average equity (ytd only) | 6.6596% | 1,811 |
| Net charge-offs to loans | -0.0016% | 4,471 |
| Credit loss provision to net charge-offs | -3,150.0000% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4603% | 4,619 |
| Assets per employee ($millions) | 4.7845% | 2,632 |
| Cash dividends to net income (ytd only)* | 25.6353% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 3,213 |
| Loan loss allowance to noncurrent loans | 820.4819% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 4,817 |
| Noncurrent loans to loans | 0.1468% | 4,758 |
| Net loans and leases to total assets | 66.1051% | 3,106 |
| Net loans and leases to deposits | 74.3714% | 3,562 |
| Net loans and leases to core deposits | 76.8738% | 3,763 |
| Total domestic deposits to total assets | 88.8851% | 969 |
| Equity capital to assets | 10.9130% | 3,110 |
| Core capital (leverage) ratio | 9.7730% | 3,838 |
| Tier 1 risk-based capital ratio | 13.3653% | 3,942 |
| Total risk-based capital ratio | 14.5071% | 3,915 |
| Memoranda: | ||
| Average total assets | $254,245,000 | 2,480 |
| Average earning assets | $236,952,750 | 2,467 |
| Average equity | $26,947,750 | 2,589 |
| Average total loans | $167,516,000 | 2,443 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,802 |
| Cost of funding earning assets | 0.1344% | 5,650 |
| Net interest margin | 3.3899% | 3,934 |
| Noninterest income to average assets | 0.3725% | 4,086 |
| Noninterest expense to average assets | 2.1315% | 4,989 |
| Loan and lease loss provision to assets | 0.0259% | 3,615 |
| Net operating income to assets | 0.9156% | 2,789 |
| Return on assets (ROA) | 0.9156% | 2,920 |
| Pretax return on assets | 1.3872% | 2,072 |
| Return on Equity (ROE) | 8.7246% | 2,622 |
| Retained earnings to average equity (ytd only) | 5.2498% | 2,583 |
| Net charge-offs to loans | -0.0168% | 4,874 |
| Credit loss provision to net charge-offs | -235.7143% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1330% | 4,624 |
| Assets per employee ($millions) | 4.8465% | 2,488 |
| Cash dividends to net income (ytd only)* | 39.8283% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 3,293 |
| Loan loss allowance to noncurrent loans | 810.0000% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,950 |
| Noncurrent loans to loans | 0.1496% | 4,838 |
| Net loans and leases to total assets | 65.5208% | 3,150 |
| Net loans and leases to deposits | 74.4891% | 3,529 |
| Net loans and leases to core deposits | 77.0444% | 3,734 |
| Total domestic deposits to total assets | 87.9603% | 1,454 |
| Equity capital to assets | 10.7949% | 3,291 |
| Core capital (leverage) ratio | 9.3515% | 4,393 |
| Tier 1 risk-based capital ratio | 13.2817% | 4,028 |
| Total risk-based capital ratio | 14.4375% | 3,999 |
| Memoranda: | ||
| Average total assets | $254,467,330 | 2,492 |
| Average earning assets | $238,121,000 | 2,470 |
| Average equity | $26,706,000 | 2,615 |
| Average total loans | $166,797,670 | 2,452 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 4,786 |
| Cost of funding earning assets | 0.1312% | 5,745 |
| Net interest margin | 3.4089% | 3,845 |
| Noninterest income to average assets | 0.3645% | 4,114 |
| Noninterest expense to average assets | 2.1604% | 5,002 |
| Loan and lease loss provision to assets | 0.0125% | 3,528 |
| Net operating income to assets | 0.8995% | 2,757 |
| Return on assets (ROA) | 0.8995% | 2,886 |
| Pretax return on assets | 1.3610% | 2,039 |
| Return on Equity (ROE) | 8.6935% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.6935% | 1,200 |
| Net charge-offs to loans | -0.0360% | 5,155 |
| Credit loss provision to net charge-offs | -53.3333% | 4,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1332% | 4,581 |
| Assets per employee ($millions) | 5.0281% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 3,424 |
| Loan loss allowance to noncurrent loans | 356.0498% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 4,684 |
| Noncurrent loans to loans | 0.3397% | 4,222 |
| Net loans and leases to total assets | 63.7267% | 3,276 |
| Net loans and leases to deposits | 71.3896% | 3,708 |
| Net loans and leases to core deposits | 73.8395% | 3,916 |
| Total domestic deposits to total assets | 89.2661% | 966 |
| Equity capital to assets | 10.4812% | 3,523 |
| Core capital (leverage) ratio | 9.3670% | 4,403 |
| Tier 1 risk-based capital ratio | 13.1995% | 4,141 |
| Total risk-based capital ratio | 14.3406% | 4,123 |
| Memoranda: | ||
| Average total assets | $255,693,000 | 2,494 |
| Average earning assets | $237,728,500 | 2,482 |
| Average equity | $26,456,500 | 2,633 |
| Average total loans | $166,622,500 | 2,448 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 5,078 |
| Cost of funding earning assets | 0.1287% | 5,825 |
| Net interest margin | 3.3093% | 4,258 |
| Noninterest income to average assets | 0.3673% | 4,277 |
| Noninterest expense to average assets | 2.0901% | 5,272 |
| Loan and lease loss provision to assets | -0.0078% | 5,617 |
| Net operating income to assets | 0.9138% | 2,796 |
| Return on assets (ROA) | 0.9203% | 2,848 |
| Pretax return on assets | 1.4029% | 1,887 |
| Return on Equity (ROE) | 9.0899% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.3453% | 2,885 |
| Net charge-offs to loans | 0.0177% | 3,931 |
| Credit loss provision to net charge-offs | -68.9655% | 5,089 |
| Earnings coverage of net charge-offs (x) | 121.7241% | 498 |
| Efficiency ratio | 60.1400% | 4,890 |
| Assets per employee ($millions) | 4.9030% | 2,468 |
| Cash dividends to net income (ytd only)* | 52.1962% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,595 |
| Loan loss allowance to noncurrent loans | 295.6652% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 4,538 |
| Noncurrent loans to loans | 0.3986% | 4,026 |
| Net loans and leases to total assets | 65.0511% | 3,112 |
| Net loans and leases to deposits | 74.4561% | 3,443 |
| Net loans and leases to core deposits | 77.2507% | 3,633 |
| Total domestic deposits to total assets | 87.3684% | 1,945 |
| Equity capital to assets | 10.2120% | 3,732 |
| Core capital (leverage) ratio | 9.0427% | 4,829 |
| Tier 1 risk-based capital ratio | 12.6720% | 4,524 |
| Total risk-based capital ratio | 13.7826% | 4,508 |
| Memoranda: | ||
| Average total assets | $254,821,800 | 2,468 |
| Average earning assets | $239,322,200 | 2,436 |
| Average equity | $25,797,800 | 2,634 |
| Average total loans | $164,285,800 | 2,412 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 5,161 |
| Cost of funding earning assets | 0.1280% | 5,930 |
| Net interest margin | 3.2921% | 4,387 |
| Noninterest income to average assets | 0.3773% | 4,234 |
| Noninterest expense to average assets | 2.1026% | 5,267 |
| Loan and lease loss provision to assets | -0.0288% | 5,871 |
| Net operating income to assets | 0.9166% | 2,884 |
| Return on assets (ROA) | 0.9252% | 2,917 |
| Pretax return on assets | 1.4113% | 1,968 |
| Return on Equity (ROE) | 9.1586% | 2,491 |
| Retained earnings to average equity (ytd only) | 5.9883% | 2,259 |
| Net charge-offs to loans | 0.0139% | 3,690 |
| Credit loss provision to net charge-offs | -323.5294% | 5,281 |
| Earnings coverage of net charge-offs (x) | 153.9149% | 455 |
| Efficiency ratio | 60.5576% | 4,807 |
| Assets per employee ($millions) | 4.9846% | 2,318 |
| Cash dividends to net income (ytd only)* | 34.6155% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,577 |
| Loan loss allowance to noncurrent loans | 311.8022% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 4,756 |
| Noncurrent loans to loans | 0.3892% | 4,221 |
| Net loans and leases to total assets | 63.8598% | 3,329 |
| Net loans and leases to deposits | 72.5250% | 3,703 |
| Net loans and leases to core deposits | 75.1636% | 3,893 |
| Total domestic deposits to total assets | 88.0521% | 1,526 |
| Equity capital to assets | 10.5524% | 3,551 |
| Core capital (leverage) ratio | 9.2740% | 4,622 |
| Tier 1 risk-based capital ratio | 13.2577% | 4,284 |
| Total risk-based capital ratio | 14.4044% | 4,264 |
| Memoranda: | ||
| Average total assets | $254,788,500 | 2,485 |
| Average earning assets | $239,514,000 | 2,442 |
| Average equity | $25,738,250 | 2,657 |
| Average total loans | $163,400,000 | 2,440 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3876% | 5,260 |
| Cost of funding earning assets | 0.1291% | 5,988 |
| Net interest margin | 3.2585% | 4,463 |
| Noninterest income to average assets | 0.3772% | 4,251 |
| Noninterest expense to average assets | 2.1064% | 5,330 |
| Loan and lease loss provision to assets | -0.0429% | 6,018 |
| Net operating income to assets | 0.9059% | 2,844 |
| Return on assets (ROA) | 0.9188% | 2,916 |
| Pretax return on assets | 1.4012% | 1,976 |
| Return on Equity (ROE) | 9.2286% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.2286% | 850 |
| Net charge-offs to loans | 0.0024% | 3,816 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | 859.0000% | 68 |
| Efficiency ratio | 61.1400% | 4,807 |
| Assets per employee ($millions) | 4.8619% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 3,588 |
| Loan loss allowance to noncurrent loans | 924.8826% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,519 |
| Noncurrent loans to loans | 0.1336% | 5,213 |
| Net loans and leases to total assets | 63.5099% | 3,342 |
| Net loans and leases to deposits | 71.3090% | 3,785 |
| Net loans and leases to core deposits | 73.8066% | 3,969 |
| Total domestic deposits to total assets | 89.0629% | 1,113 |
| Equity capital to assets | 10.5487% | 3,388 |
| Core capital (leverage) ratio | 9.0756% | 4,855 |
| Tier 1 risk-based capital ratio | 12.6864% | 4,689 |
| Total risk-based capital ratio | 13.7910% | 4,699 |
| Memoranda: | ||
| Average total assets | $256,640,670 | 2,485 |
| Average earning assets | $241,646,330 | 2,447 |
| Average equity | $25,551,000 | 2,683 |
| Average total loans | $164,162,000 | 2,438 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 5,379 |
| Cost of funding earning assets | 0.1288% | 6,071 |
| Net interest margin | 3.1996% | 4,612 |
| Noninterest income to average assets | 0.3893% | 4,094 |
| Noninterest expense to average assets | 2.1794% | 5,207 |
| Loan and lease loss provision to assets | -0.0996% | 6,207 |
| Net operating income to assets | 0.8660% | 2,923 |
| Return on assets (ROA) | 0.8660% | 3,039 |
| Pretax return on assets | 1.3181% | 2,208 |
| Return on Equity (ROE) | 8.9510% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.9510% | 1,211 |
| Net charge-offs to loans | 0.0024% | 3,236 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | 795.0000% | 55 |
| Efficiency ratio | 64.1407% | 4,456 |
| Assets per employee ($millions) | 4.7259% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 3,946 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 5,770 |
| Noncurrent loans to loans | 0.0683% | 5,499 |
| Net loans and leases to total assets | 61.7885% | 3,409 |
| Net loans and leases to deposits | 68.9264% | 3,865 |
| Net loans and leases to core deposits | 71.9176% | 3,973 |
| Total domestic deposits to total assets | 89.6442% | 926 |
| Equity capital to assets | 9.8891% | 4,282 |
| Core capital (leverage) ratio | 8.7434% | 5,270 |
| Tier 1 risk-based capital ratio | 12.0727% | 5,193 |
| Total risk-based capital ratio | 13.1482% | 5,195 |
| Memoranda: | ||
| Average total assets | $260,983,500 | 2,465 |
| Average earning assets | $245,408,500 | 2,419 |
| Average equity | $25,248,500 | 2,723 |
| Average total loans | $166,520,000 | 2,413 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4738% | 5,384 |
| Cost of funding earning assets | 0.1418% | 6,146 |
| Net interest margin | 3.3320% | 4,468 |
| Noninterest income to average assets | 0.3384% | 4,688 |
| Noninterest expense to average assets | 2.1223% | 5,521 |
| Loan and lease loss provision to assets | 0.0527% | 3,501 |
| Net operating income to assets | 0.8037% | 3,354 |
| Return on assets (ROA) | 0.8334% | 3,297 |
| Pretax return on assets | 1.2750% | 2,328 |
| Return on Equity (ROE) | 8.7462% | 2,707 |
| Retained earnings to average equity (ytd only) | 0.1858% | 5,693 |
| Net charge-offs to loans | 0.0037% | 4,878 |
| Credit loss provision to net charge-offs | 2,283.3333% | 141 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 94 |
| Efficiency ratio | 62.3431% | 4,859 |
| Assets per employee ($millions) | 4.7645% | 2,642 |
| Cash dividends to net income (ytd only)* | 97.8753% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 4,072 |
| Loan loss allowance to noncurrent loans | 2,598.7179% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 5,836 |
| Noncurrent loans to loans | 0.0458% | 5,697 |
| Net loans and leases to total assets | 64.2829% | 3,181 |
| Net loans and leases to deposits | 75.7964% | 3,222 |
| Net loans and leases to core deposits | 79.8527% | 3,312 |
| Total domestic deposits to total assets | 84.8099% | 3,367 |
| Equity capital to assets | 9.4614% | 4,765 |
| Core capital (leverage) ratio | 8.4951% | 5,566 |
| Tier 1 risk-based capital ratio | 11.3028% | 5,769 |
| Total risk-based capital ratio | 12.3710% | 5,800 |
| Memoranda: | ||
| Average total assets | $259,764,800 | 2,430 |
| Average earning assets | $239,018,800 | 2,435 |
| Average equity | $24,753,600 | 2,690 |
| Average total loans | $160,260,000 | 2,419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 5,432 |
| Cost of funding earning assets | 0.1450% | 6,211 |
| Net interest margin | 3.3395% | 4,467 |
| Noninterest income to average assets | 0.3405% | 4,717 |
| Noninterest expense to average assets | 2.1476% | 5,466 |
| Loan and lease loss provision to assets | 0.0550% | 3,274 |
| Net operating income to assets | 0.7822% | 3,502 |
| Return on assets (ROA) | 0.8220% | 3,420 |
| Pretax return on assets | 1.2562% | 2,548 |
| Return on Equity (ROE) | 8.6107% | 2,898 |
| Retained earnings to average equity (ytd only) | 0.5281% | 5,652 |
| Net charge-offs to loans | 0.0008% | 4,679 |
| Credit loss provision to net charge-offs | 10,700.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 2,436.0301% | 19 |
| Efficiency ratio | 63.2097% | 4,684 |
| Assets per employee ($millions) | 4.7468% | 2,599 |
| Cash dividends to net income (ytd only)* | 93.8675% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 3,854 |
| Loan loss allowance to noncurrent loans | 1,283.3333% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 5,903 |
| Noncurrent loans to loans | 0.0985% | 5,645 |
| Net loans and leases to total assets | 60.9838% | 3,630 |
| Net loans and leases to deposits | 67.6862% | 4,170 |
| Net loans and leases to core deposits | 72.2010% | 4,136 |
| Total domestic deposits to total assets | 90.0978% | 689 |
| Equity capital to assets | 9.6876% | 4,563 |
| Core capital (leverage) ratio | 8.5398% | 5,610 |
| Tier 1 risk-based capital ratio | 11.9664% | 5,511 |
| Total risk-based capital ratio | 13.0807% | 5,517 |
| Memoranda: | ||
| Average total assets | $259,194,750 | 2,459 |
| Average earning assets | $237,277,500 | 2,468 |
| Average equity | $24,743,750 | 2,695 |
| Average total loans | $157,705,750 | 2,470 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4502% | 5,521 |
| Cost of funding earning assets | 0.1465% | 6,283 |
| Net interest margin | 3.3037% | 4,572 |
| Noninterest income to average assets | 0.3367% | 4,730 |
| Noninterest expense to average assets | 2.1664% | 5,490 |
| Loan and lease loss provision to assets | 0.0308% | 3,663 |
| Net operating income to assets | 0.7685% | 3,469 |
| Return on assets (ROA) | 0.8280% | 3,284 |
| Pretax return on assets | 1.2647% | 2,395 |
| Return on Equity (ROE) | 8.7156% | 2,725 |
| Retained earnings to average equity (ytd only) | -3.4231% | 6,129 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2792% | 4,649 |
| Assets per employee ($millions) | 4.8779% | 2,368 |
| Cash dividends to net income (ytd only)* | 139.2758% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,145 |
| Loan loss allowance to noncurrent loans | 1,225.3165% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 5,979 |
| Noncurrent loans to loans | 0.1021% | 5,711 |
| Net loans and leases to total assets | 59.0813% | 3,851 |
| Net loans and leases to deposits | 65.3516% | 4,341 |
| Net loans and leases to core deposits | 68.8782% | 4,379 |
| Total domestic deposits to total assets | 90.4054% | 617 |
| Equity capital to assets | 9.4090% | 4,834 |
| Core capital (leverage) ratio | 8.1502% | 5,982 |
| Tier 1 risk-based capital ratio | 11.8687% | 5,608 |
| Total risk-based capital ratio | 12.9641% | 5,632 |
| Memoranda: | ||
| Average total assets | $260,150,670 | 2,457 |
| Average earning assets | $238,886,670 | 2,457 |
| Average equity | $24,714,330 | 2,692 |
| Average total loans | $157,501,000 | 2,479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 5,581 |
| Cost of funding earning assets | 0.1460% | 6,373 |
| Net interest margin | 3.2856% | 4,603 |
| Noninterest income to average assets | 0.3556% | 4,535 |
| Noninterest expense to average assets | 2.1766% | 5,517 |
| Loan and lease loss provision to assets | 0.0307% | 3,422 |
| Net operating income to assets | 0.7787% | 3,258 |
| Return on assets (ROA) | 0.7787% | 3,341 |
| Pretax return on assets | 1.1849% | 2,548 |
| Return on Equity (ROE) | 8.1577% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.1577% | 1,548 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1663% | 4,836 |
| Assets per employee ($millions) | 5.1497% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,382 |
| Loan loss allowance to noncurrent loans | 1,220.3822% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 6,080 |
| Noncurrent loans to loans | 0.1024% | 5,821 |
| Net loans and leases to total assets | 56.5669% | 4,071 |
| Net loans and leases to deposits | 62.6198% | 4,479 |
| Net loans and leases to core deposits | 67.4753% | 4,360 |
| Total domestic deposits to total assets | 90.3339% | 901 |
| Equity capital to assets | 9.4222% | 4,597 |
| Core capital (leverage) ratio | 8.8032% | 5,262 |
| Tier 1 risk-based capital ratio | 12.3325% | 5,419 |
| Total risk-based capital ratio | 13.4109% | 5,459 |
| Memoranda: | ||
| Average total assets | $260,961,000 | 2,448 |
| Average earning assets | $241,172,500 | 2,427 |
| Average equity | $24,909,000 | 2,653 |
| Average total loans | $158,912,000 | 2,473 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 5,524 |
| Cost of funding earning assets | 0.1862% | 6,358 |
| Net interest margin | 3.3681% | 4,410 |
| Noninterest income to average assets | 0.3752% | 4,629 |
| Noninterest expense to average assets | 2.0932% | 5,843 |
| Loan and lease loss provision to assets | 0.0990% | 3,148 |
| Net operating income to assets | 0.8665% | 2,942 |
| Return on assets (ROA) | 0.8665% | 3,022 |
| Pretax return on assets | 1.3193% | 2,076 |
| Return on Equity (ROE) | 9.0776% | 2,498 |
| Retained earnings to average equity (ytd only) | 5.5486% | 2,248 |
| Net charge-offs to loans | 0.0597% | 4,384 |
| Credit loss provision to net charge-offs | 268.8172% | 843 |
| Earnings coverage of net charge-offs (x) | 38.5269% | 975 |
| Efficiency ratio | 59.6100% | 5,521 |
| Assets per employee ($millions) | 4.7951% | 2,455 |
| Cash dividends to net income (ytd only)* | 38.8762% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 4,895 |
| Loan loss allowance to noncurrent loans | 689.4545% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 5,985 |
| Noncurrent loans to loans | 0.1672% | 5,694 |
| Net loans and leases to total assets | 63.9553% | 3,049 |
| Net loans and leases to deposits | 75.8769% | 2,980 |
| Net loans and leases to core deposits | 78.2345% | 3,328 |
| Total domestic deposits to total assets | 84.2882% | 4,056 |
| Equity capital to assets | 9.6746% | 4,189 |
| Core capital (leverage) ratio | 8.7410% | 5,369 |
| Tier 1 risk-based capital ratio | 11.6588% | 5,821 |
| Total risk-based capital ratio | 12.6916% | 5,877 |
| Memoranda: | ||
| Average total assets | $252,633,200 | 2,504 |
| Average earning assets | $235,238,400 | 2,467 |
| Average equity | $24,114,200 | 2,719 |
| Average total loans | $155,908,000 | 2,480 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 5,581 |
| Cost of funding earning assets | 0.1968% | 6,411 |
| Net interest margin | 3.3527% | 4,453 |
| Noninterest income to average assets | 0.3858% | 4,635 |
| Noninterest expense to average assets | 2.1084% | 5,811 |
| Loan and lease loss provision to assets | 0.1110% | 2,910 |
| Net operating income to assets | 0.8436% | 3,132 |
| Return on assets (ROA) | 0.8436% | 3,252 |
| Pretax return on assets | 1.2823% | 2,399 |
| Return on Equity (ROE) | 8.8679% | 2,698 |
| Retained earnings to average equity (ytd only) | 4.1395% | 3,737 |
| Net charge-offs to loans | 0.0806% | 3,799 |
| Credit loss provision to net charge-offs | 225.8065% | 1,081 |
| Earnings coverage of net charge-offs (x) | 28.3434% | 1,286 |
| Efficiency ratio | 60.2113% | 5,402 |
| Assets per employee ($millions) | 4.6531% | 2,640 |
| Cash dividends to net income (ytd only)* | 53.3208% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 4,898 |
| Loan loss allowance to noncurrent loans | 1,124.8485% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 6,142 |
| Noncurrent loans to loans | 0.1060% | 6,016 |
| Net loans and leases to total assets | 62.3506% | 3,297 |
| Net loans and leases to deposits | 69.2871% | 3,892 |
| Net loans and leases to core deposits | 71.6858% | 4,128 |
| Total domestic deposits to total assets | 89.9888% | 1,002 |
| Equity capital to assets | 9.8007% | 4,182 |
| Core capital (leverage) ratio | 8.6609% | 5,589 |
| Tier 1 risk-based capital ratio | 11.8687% | 5,864 |
| Total risk-based capital ratio | 12.9272% | 5,924 |
| Memoranda: | ||
| Average total assets | $252,256,500 | 2,525 |
| Average earning assets | $234,430,000 | 2,491 |
| Average equity | $23,996,000 | 2,756 |
| Average total loans | $153,777,000 | 2,514 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 5,675 |
| Cost of funding earning assets | 0.2084% | 6,433 |
| Net interest margin | 3.3015% | 4,577 |
| Noninterest income to average assets | 0.3817% | 4,661 |
| Noninterest expense to average assets | 2.0871% | 5,892 |
| Loan and lease loss provision to assets | 0.0708% | 3,615 |
| Net operating income to assets | 0.8507% | 3,038 |
| Return on assets (ROA) | 0.8507% | 3,190 |
| Pretax return on assets | 1.2914% | 2,331 |
| Return on Equity (ROE) | 9.0317% | 2,593 |
| Retained earnings to average equity (ytd only) | 1.9216% | 5,044 |
| Net charge-offs to loans | 0.1123% | 3,238 |
| Credit loss provision to net charge-offs | 104.6512% | 2,111 |
| Earnings coverage of net charge-offs (x) | 20.1279% | 1,475 |
| Efficiency ratio | 60.5065% | 5,402 |
| Assets per employee ($millions) | 4.4714% | 2,861 |
| Cash dividends to net income (ytd only)* | 78.7234% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,306 |
| Loan loss allowance to noncurrent loans | 942.1622% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 6,173 |
| Noncurrent loans to loans | 0.1203% | 6,029 |
| Net loans and leases to total assets | 61.8408% | 3,320 |
| Net loans and leases to deposits | 69.1367% | 3,837 |
| Net loans and leases to core deposits | 71.3739% | 4,123 |
| Total domestic deposits to total assets | 89.4472% | 1,354 |
| Equity capital to assets | 9.5781% | 4,481 |
| Core capital (leverage) ratio | 8.2114% | 5,997 |
| Tier 1 risk-based capital ratio | 11.7809% | 5,930 |
| Total risk-based capital ratio | 12.7926% | 6,047 |
| Memoranda: | ||
| Average total assets | $254,137,000 | 2,514 |
| Average earning assets | $236,132,330 | 2,489 |
| Average equity | $23,938,000 | 2,780 |
| Average total loans | $153,162,000 | 2,530 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 5,761 |
| Cost of funding earning assets | 0.2240% | 6,453 |
| Net interest margin | 3.2542% | 4,713 |
| Noninterest income to average assets | 0.3996% | 4,460 |
| Noninterest expense to average assets | 2.0988% | 5,920 |
| Loan and lease loss provision to assets | 0.0465% | 3,835 |
| Net operating income to assets | 0.8225% | 3,038 |
| Return on assets (ROA) | 0.8225% | 3,180 |
| Pretax return on assets | 1.2469% | 2,415 |
| Return on Equity (ROE) | 8.8025% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.8025% | 1,452 |
| Net charge-offs to loans | 0.0916% | 2,928 |
| Credit loss provision to net charge-offs | 85.7143% | 2,088 |
| Earnings coverage of net charge-offs (x) | 23.8571% | 1,091 |
| Efficiency ratio | 61.8721% | 5,319 |
| Assets per employee ($millions) | 4.7067% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,355 |
| Loan loss allowance to noncurrent loans | 784.6154% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,165 |
| Noncurrent loans to loans | 0.1483% | 6,025 |
| Net loans and leases to total assets | 56.9124% | 3,940 |
| Net loans and leases to deposits | 62.9960% | 4,424 |
| Net loans and leases to core deposits | 65.0326% | 4,648 |
| Total domestic deposits to total assets | 90.3430% | 855 |
| Equity capital to assets | 9.4202% | 4,974 |
| Core capital (leverage) ratio | 8.3299% | 5,786 |
| Tier 1 risk-based capital ratio | 12.0648% | 5,876 |
| Total risk-based capital ratio | 13.0805% | 5,989 |
| Memoranda: | ||
| Average total assets | $258,243,000 | 2,512 |
| Average earning assets | $237,476,000 | 2,495 |
| Average equity | $24,129,500 | 2,795 |
| Average total loans | $152,830,500 | 2,541 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8099% | 5,800 |
| Cost of funding earning assets | 0.3139% | 6,386 |
| Net interest margin | 3.4960% | 4,517 |
| Noninterest income to average assets | 0.4166% | 4,479 |
| Noninterest expense to average assets | 2.1314% | 6,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9554% | 2,517 |
| Return on assets (ROA) | 0.9554% | 2,771 |
| Pretax return on assets | 1.4589% | 1,822 |
| Return on Equity (ROE) | 10.0053% | 2,165 |
| Retained earnings to average equity (ytd only) | 6.8749% | 1,628 |
| Net charge-offs to loans | 0.0405% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 60.3051% | 593 |
| Efficiency ratio | 59.3650% | 5,635 |
| Assets per employee ($millions) | 4.8607% | 2,405 |
| Cash dividends to net income (ytd only)* | 31.2876% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,514 |
| Loan loss allowance to noncurrent loans | 525.3776% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 6,151 |
| Noncurrent loans to loans | 0.2114% | 5,944 |
| Net loans and leases to total assets | 60.1123% | 3,585 |
| Net loans and leases to deposits | 69.3799% | 3,782 |
| Net loans and leases to core deposits | 71.6341% | 4,088 |
| Total domestic deposits to total assets | 86.6422% | 3,028 |
| Equity capital to assets | 9.2668% | 5,185 |
| Core capital (leverage) ratio | 8.2664% | 5,923 |
| Tier 1 risk-based capital ratio | 11.4873% | 6,115 |
| Total risk-based capital ratio | 12.4830% | 6,220 |
| Memoranda: | ||
| Average total assets | $243,879,400 | 2,589 |
| Average earning assets | $221,394,000 | 2,600 |
| Average equity | $23,287,600 | 2,823 |
| Average total loans | $145,582,200 | 2,638 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 5,744 |
| Cost of funding earning assets | 0.3383% | 6,427 |
| Net interest margin | 3.5799% | 4,322 |
| Noninterest income to average assets | 0.4259% | 4,432 |
| Noninterest expense to average assets | 2.2003% | 5,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9482% | 2,754 |
| Return on assets (ROA) | 0.9482% | 2,982 |
| Pretax return on assets | 1.4473% | 2,089 |
| Return on Equity (ROE) | 9.8523% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.4753% | 1,416 |
| Net charge-offs to loans | 0.0383% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 63.6530% | 625 |
| Efficiency ratio | 60.3223% | 5,445 |
| Assets per employee ($millions) | 4.4645% | 2,974 |
| Cash dividends to net income (ytd only)* | 13.9767% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 5,059 |
| Loan loss allowance to noncurrent loans | 390.4444% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 6,143 |
| Noncurrent loans to loans | 0.3193% | 5,840 |
| Net loans and leases to total assets | 56.6717% | 4,349 |
| Net loans and leases to deposits | 62.9234% | 4,855 |
| Net loans and leases to core deposits | 64.4956% | 5,099 |
| Total domestic deposits to total assets | 90.0646% | 813 |
| Equity capital to assets | 9.6902% | 4,935 |
| Core capital (leverage) ratio | 8.3054% | 5,998 |
| Tier 1 risk-based capital ratio | 12.2970% | 5,764 |
| Total risk-based capital ratio | 13.3809% | 5,842 |
| Memoranda: | ||
| Average total assets | $240,444,750 | 2,646 |
| Average earning assets | $216,386,750 | 2,679 |
| Average equity | $23,141,250 | 2,862 |
| Average total loans | $142,828,000 | 2,718 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 5,706 |
| Cost of funding earning assets | 0.3664% | 6,438 |
| Net interest margin | 3.6150% | 4,198 |
| Noninterest income to average assets | 0.4113% | 4,570 |
| Noninterest expense to average assets | 2.2409% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9366% | 2,734 |
| Return on assets (ROA) | 0.9366% | 2,995 |
| Pretax return on assets | 1.4266% | 2,098 |
| Return on Equity (ROE) | 9.7541% | 2,463 |
| Retained earnings to average equity (ytd only) | 7.6689% | 1,776 |
| Net charge-offs to loans | 0.0558% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 42.5750% | 835 |
| Efficiency ratio | 61.1010% | 5,407 |
| Assets per employee ($millions) | 4.3944% | 3,096 |
| Cash dividends to net income (ytd only)* | 21.3775% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,002 |
| Loan loss allowance to noncurrent loans | 540.9231% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 6,363 |
| Noncurrent loans to loans | 0.2360% | 6,101 |
| Net loans and leases to total assets | 54.2766% | 4,752 |
| Net loans and leases to deposits | 59.9631% | 5,241 |
| Net loans and leases to core deposits | 61.2902% | 5,462 |
| Total domestic deposits to total assets | 90.5166% | 652 |
| Equity capital to assets | 9.2818% | 5,351 |
| Core capital (leverage) ratio | 7.8500% | 6,412 |
| Tier 1 risk-based capital ratio | 12.1819% | 5,809 |
| Total risk-based capital ratio | 13.2892% | 5,883 |
| Memoranda: | ||
| Average total assets | $238,744,330 | 2,670 |
| Average earning assets | $215,045,670 | 2,702 |
| Average equity | $22,923,670 | 2,860 |
| Average total loans | $143,466,670 | 2,713 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 5,537 |
| Cost of funding earning assets | 0.3988% | 6,417 |
| Net interest margin | 3.6783% | 3,931 |
| Noninterest income to average assets | 0.4672% | 4,167 |
| Noninterest expense to average assets | 2.3274% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0048% | 2,466 |
| Return on assets (ROA) | 1.0048% | 2,653 |
| Pretax return on assets | 1.5304% | 1,798 |
| Return on Equity (ROE) | 10.2807% | 2,308 |
| Retained earnings to average equity (ytd only) | 6.0806% | 2,908 |
| Net charge-offs to loans | 0.0410% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 59.4000% | 557 |
| Efficiency ratio | 60.3295% | 5,572 |
| Assets per employee ($millions) | 4.3062% | 3,385 |
| Cash dividends to net income (ytd only)* | 40.8547% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 5,128 |
| Loan loss allowance to noncurrent loans | 420.5189% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 6,448 |
| Noncurrent loans to loans | 0.3035% | 6,071 |
| Net loans and leases to total assets | 57.1996% | 4,186 |
| Net loans and leases to deposits | 63.4210% | 4,712 |
| Net loans and leases to core deposits | 65.1119% | 5,004 |
| Total domestic deposits to total assets | 90.1902% | 983 |
| Equity capital to assets | 9.5170% | 4,779 |
| Core capital (leverage) ratio | 8.2348% | 5,973 |
| Tier 1 risk-based capital ratio | 11.7845% | 6,098 |
| Total risk-based capital ratio | 12.9016% | 6,168 |
| Memoranda: | ||
| Average total assets | $232,876,500 | 2,741 |
| Average earning assets | $214,664,000 | 2,713 |
| Average equity | $22,761,000 | 2,876 |
| Average total loans | $146,345,000 | 2,685 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 5,323 |
| Cost of funding earning assets | 0.5182% | 6,459 |
| Net interest margin | 3.9087% | 3,299 |
| Noninterest income to average assets | 0.4116% | 4,524 |
| Noninterest expense to average assets | 2.2805% | 6,084 |
| Loan and lease loss provision to assets | 0.1881% | 4,302 |
| Net operating income to assets | 0.9735% | 2,306 |
| Return on assets (ROA) | 1.0095% | 2,308 |
| Pretax return on assets | 1.5333% | 1,385 |
| Return on Equity (ROE) | 10.5656% | 1,856 |
| Retained earnings to average equity (ytd only) | 5.2074% | 2,503 |
| Net charge-offs to loans | 0.1096% | 5,273 |
| Credit loss provision to net charge-offs | 278.0645% | 853 |
| Earnings coverage of net charge-offs (x) | 24.6387% | 988 |
| Efficiency ratio | 57.7731% | 6,080 |
| Assets per employee ($millions) | 3.9405% | 3,984 |
| Cash dividends to net income (ytd only)* | 50.7134% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,506 |
| Loan loss allowance to noncurrent loans | 262.4818% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,189 |
| Noncurrent loans to loans | 0.4478% | 5,811 |
| Net loans and leases to total assets | 67.3063% | 2,515 |
| Net loans and leases to deposits | 75.0340% | 3,340 |
| Net loans and leases to core deposits | 77.4949% | 3,749 |
| Total domestic deposits to total assets | 89.7011% | 1,157 |
| Equity capital to assets | 10.0496% | 4,111 |
| Core capital (leverage) ratio | 8.1479% | 6,077 |
| Tier 1 risk-based capital ratio | 11.0413% | 6,430 |
| Total risk-based capital ratio | 12.1169% | 6,503 |
| Memoranda: | ||
| Average total assets | $229,115,800 | 2,736 |
| Average earning assets | $207,255,000 | 2,761 |
| Average equity | $21,891,800 | 2,904 |
| Average total loans | $141,444,600 | 2,765 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 5,465 |
| Cost of funding earning assets | 0.5406% | 6,544 |
| Net interest margin | 3.8978% | 3,391 |
| Noninterest income to average assets | 0.4859% | 3,989 |
| Noninterest expense to average assets | 2.2966% | 6,048 |
| Loan and lease loss provision to assets | 0.1639% | 4,424 |
| Net operating income to assets | 1.0062% | 2,297 |
| Return on assets (ROA) | 1.0539% | 2,266 |
| Pretax return on assets | 1.6006% | 1,385 |
| Return on Equity (ROE) | 11.1713% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.4204% | 2,279 |
| Net charge-offs to loans | 0.0818% | 5,159 |
| Credit loss provision to net charge-offs | 332.9412% | 850 |
| Earnings coverage of net charge-offs (x) | 34.3766% | 849 |
| Efficiency ratio | 57.5784% | 6,074 |
| Assets per employee ($millions) | 4.0010% | 3,839 |
| Cash dividends to net income (ytd only)* | 42.5272% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 5,429 |
| Loan loss allowance to noncurrent loans | 285.2405% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 6,087 |
| Noncurrent loans to loans | 0.4234% | 5,994 |
| Net loans and leases to total assets | 61.6887% | 3,800 |
| Net loans and leases to deposits | 68.6883% | 4,486 |
| Net loans and leases to core deposits | 71.8926% | 4,729 |
| Total domestic deposits to total assets | 89.8096% | 968 |
| Equity capital to assets | 9.8975% | 4,482 |
| Core capital (leverage) ratio | 8.2018% | 6,130 |
| Tier 1 risk-based capital ratio | 11.7383% | 6,076 |
| Total risk-based capital ratio | 12.8376% | 6,175 |
| Memoranda: | ||
| Average total assets | $230,243,250 | 2,729 |
| Average earning assets | $206,915,750 | 2,769 |
| Average equity | $21,721,750 | 2,912 |
| Average total loans | $138,562,750 | 2,839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4307% | 5,590 |
| Cost of funding earning assets | 0.5561% | 6,639 |
| Net interest margin | 3.8745% | 3,414 |
| Noninterest income to average assets | 0.4962% | 3,894 |
| Noninterest expense to average assets | 2.3111% | 6,093 |
| Loan and lease loss provision to assets | 0.1697% | 4,235 |
| Net operating income to assets | 0.9962% | 2,245 |
| Return on assets (ROA) | 1.0677% | 2,067 |
| Pretax return on assets | 1.6166% | 1,232 |
| Return on Equity (ROE) | 11.5028% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.2820% | 3,473 |
| Net charge-offs to loans | 0.1807% | 4,081 |
| Credit loss provision to net charge-offs | 158.0645% | 1,926 |
| Earnings coverage of net charge-offs (x) | 15.6290% | 1,394 |
| Efficiency ratio | 57.9336% | 6,173 |
| Assets per employee ($millions) | 4.1339% | 3,484 |
| Cash dividends to net income (ytd only)* | 62.7737% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,668 |
| Loan loss allowance to noncurrent loans | 383.1731% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 6,341 |
| Noncurrent loans to loans | 0.3057% | 6,312 |
| Net loans and leases to total assets | 59.1531% | 4,433 |
| Net loans and leases to deposits | 65.7065% | 5,042 |
| Net loans and leases to core deposits | 68.4988% | 5,238 |
| Total domestic deposits to total assets | 90.0262% | 963 |
| Equity capital to assets | 9.6919% | 4,547 |
| Core capital (leverage) ratio | 7.7439% | 6,551 |
| Tier 1 risk-based capital ratio | 11.6700% | 6,033 |
| Total risk-based capital ratio | 12.7164% | 6,184 |
| Memoranda: | ||
| Average total assets | $230,971,670 | 2,747 |
| Average earning assets | $208,231,000 | 2,779 |
| Average equity | $21,438,330 | 2,936 |
| Average total loans | $137,281,670 | 2,907 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3755% | 5,771 |
| Cost of funding earning assets | 0.5661% | 6,737 |
| Net interest margin | 3.8095% | 3,571 |
| Noninterest income to average assets | 0.5001% | 3,889 |
| Noninterest expense to average assets | 2.3594% | 6,020 |
| Loan and lease loss provision to assets | 0.1220% | 4,485 |
| Net operating income to assets | 0.9606% | 2,314 |
| Return on assets (ROA) | 0.9606% | 2,381 |
| Pretax return on assets | 1.4417% | 1,620 |
| Return on Equity (ROE) | 10.5774% | 1,880 |
| Retained earnings to average equity (ytd only) | -4.0682% | 6,423 |
| Net charge-offs to loans | -0.0116% | 6,401 |
| Credit loss provision to net charge-offs | -1,775.0000% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1402% | 5,961 |
| Assets per employee ($millions) | 4.1765% | 3,492 |
| Cash dividends to net income (ytd only)* | 138.4615% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,722 |
| Loan loss allowance to noncurrent loans | 325.2546% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 6,404 |
| Noncurrent loans to loans | 0.3625% | 6,267 |
| Net loans and leases to total assets | 56.2266% | 4,961 |
| Net loans and leases to deposits | 61.8550% | 5,517 |
| Net loans and leases to core deposits | 65.6129% | 5,554 |
| Total domestic deposits to total assets | 90.9006% | 674 |
| Equity capital to assets | 8.8133% | 5,469 |
| Core capital (leverage) ratio | 7.4235% | 6,773 |
| Tier 1 risk-based capital ratio | 11.0827% | 6,448 |
| Total risk-based capital ratio | 12.1175% | 6,577 |
| Memoranda: | ||
| Average total assets | $232,774,500 | 2,752 |
| Average earning assets | $209,163,500 | 2,796 |
| Average equity | $21,139,500 | 2,968 |
| Average total loans | $137,878,500 | 2,930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 5,565 |
| Cost of funding earning assets | 0.7190% | 6,830 |
| Net interest margin | 4.0443% | 2,825 |
| Noninterest income to average assets | 0.5400% | 3,883 |
| Noninterest expense to average assets | 2.4138% | 6,062 |
| Loan and lease loss provision to assets | 0.0759% | 6,391 |
| Net operating income to assets | 1.1236% | 1,629 |
| Return on assets (ROA) | 1.1236% | 1,709 |
| Pretax return on assets | 1.6888% | 968 |
| Return on Equity (ROE) | 11.5571% | 1,433 |
| Retained earnings to average equity (ytd only) | -3.6200% | 6,170 |
| Net charge-offs to loans | 0.4367% | 3,869 |
| Credit loss provision to net charge-offs | 27.5693% | 6,509 |
| Earnings coverage of net charge-offs (x) | 6.4127% | 2,365 |
| Efficiency ratio | 57.7675% | 6,365 |
| Assets per employee ($millions) | 3.9910% | 3,806 |
| Cash dividends to net income (ytd only)* | 131.3224% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 6,003 |
| Loan loss allowance to noncurrent loans | 268.4303% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 6,354 |
| Noncurrent loans to loans | 0.4041% | 6,238 |
| Net loans and leases to total assets | 61.0073% | 4,486 |
| Net loans and leases to deposits | 67.5816% | 5,157 |
| Net loans and leases to core deposits | 71.5195% | 5,267 |
| Total domestic deposits to total assets | 90.2721% | 946 |
| Equity capital to assets | 9.3622% | 4,599 |
| Core capital (leverage) ratio | 7.7984% | 6,440 |
| Tier 1 risk-based capital ratio | 11.0442% | 6,296 |
| Total risk-based capital ratio | 12.0148% | 6,488 |
| Memoranda: | ||
| Average total assets | $222,764,800 | 2,831 |
| Average earning assets | $200,405,800 | 2,871 |
| Average equity | $21,657,600 | 2,919 |
| Average total loans | $140,372,600 | 2,945 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 5,610 |
| Cost of funding earning assets | 0.7500% | 6,910 |
| Net interest margin | 4.0605% | 2,808 |
| Noninterest income to average assets | 0.5331% | 3,925 |
| Noninterest expense to average assets | 2.3425% | 6,195 |
| Loan and lease loss provision to assets | 0.0445% | 6,641 |
| Net operating income to assets | 1.1902% | 1,618 |
| Return on assets (ROA) | 1.1902% | 1,711 |
| Pretax return on assets | 1.7913% | 938 |
| Return on Equity (ROE) | 12.1268% | 1,467 |
| Retained earnings to average equity (ytd only) | -8.0252% | 6,773 |
| Net charge-offs to loans | 0.5423% | 3,130 |
| Credit loss provision to net charge-offs | 12.9597% | 6,309 |
| Earnings coverage of net charge-offs (x) | 5.3433% | 2,771 |
| Efficiency ratio | 56.0628% | 6,548 |
| Assets per employee ($millions) | 3.9013% | 4,035 |
| Cash dividends to net income (ytd only)* | 166.1779% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 5,908 |
| Loan loss allowance to noncurrent loans | 118.6591% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7635% | 5,574 |
| Noncurrent loans to loans | 0.9340% | 5,363 |
| Net loans and leases to total assets | 59.9973% | 4,917 |
| Net loans and leases to deposits | 66.6020% | 5,593 |
| Net loans and leases to core deposits | 70.2790% | 5,718 |
| Total domestic deposits to total assets | 90.0834% | 837 |
| Equity capital to assets | 9.5504% | 4,767 |
| Core capital (leverage) ratio | 7.8028% | 6,567 |
| Tier 1 risk-based capital ratio | 11.4348% | 5,987 |
| Total risk-based capital ratio | 12.4351% | 6,205 |
| Memoranda: | ||
| Average total assets | $221,583,750 | 2,891 |
| Average earning assets | $198,918,750 | 2,938 |
| Average equity | $21,747,500 | 2,950 |
| Average total loans | $140,389,000 | 2,974 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 5,649 |
| Cost of funding earning assets | 0.7773% | 6,982 |
| Net interest margin | 4.0618% | 2,739 |
| Noninterest income to average assets | 0.5238% | 3,927 |
| Noninterest expense to average assets | 2.3466% | 6,235 |
| Loan and lease loss provision to assets | 0.0081% | 6,813 |
| Net operating income to assets | 1.2092% | 1,534 |
| Return on assets (ROA) | 1.2092% | 1,606 |
| Pretax return on assets | 1.8165% | 860 |
| Return on Equity (ROE) | 12.2132% | 1,398 |
| Retained earnings to average equity (ytd only) | 6.3607% | 2,139 |
| Net charge-offs to loans | 0.8000% | 2,245 |
| Credit loss provision to net charge-offs | 1.5734% | 5,999 |
| Earnings coverage of net charge-offs (x) | 3.5507% | 3,277 |
| Efficiency ratio | 56.2567% | 6,608 |
| Assets per employee ($millions) | 3.8289% | 4,160 |
| Cash dividends to net income (ytd only)* | 47.9198% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,946 |
| Loan loss allowance to noncurrent loans | 121.6826% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 5,709 |
| Noncurrent loans to loans | 0.9027% | 5,471 |
| Net loans and leases to total assets | 56.8817% | 5,575 |
| Net loans and leases to deposits | 63.5103% | 6,086 |
| Net loans and leases to core deposits | 66.1299% | 6,237 |
| Total domestic deposits to total assets | 89.5630% | 1,144 |
| Equity capital to assets | 10.1916% | 3,780 |
| Core capital (leverage) ratio | 8.6944% | 5,082 |
| Tier 1 risk-based capital ratio | 13.1369% | 4,330 |
| Total risk-based capital ratio | 14.1171% | 4,508 |
| Memoranda: | ||
| Average total assets | $222,620,670 | 2,898 |
| Average earning assets | $199,913,330 | 2,953 |
| Average equity | $22,041,670 | 2,916 |
| Average total loans | $143,003,000 | 2,959 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 5,939 |
| Cost of funding earning assets | 0.8243% | 7,018 |
| Net interest margin | 3.9616% | 3,043 |
| Noninterest income to average assets | 0.5222% | 3,875 |
| Noninterest expense to average assets | 2.3886% | 6,130 |
| Loan and lease loss provision to assets | -0.0197% | 7,843 |
| Net operating income to assets | 1.1414% | 1,699 |
| Return on assets (ROA) | 1.1414% | 1,777 |
| Pretax return on assets | 1.7066% | 1,047 |
| Return on Equity (ROE) | 11.6987% | 1,583 |
| Retained earnings to average equity (ytd only) | -0.1655% | 5,870 |
| Net charge-offs to loans | 1.2453% | 1,365 |
| Credit loss provision to net charge-offs | -2.3454% | 5,947 |
| Earnings coverage of net charge-offs (x) | 2.0043% | 3,538 |
| Efficiency ratio | 58.6085% | 6,394 |
| Assets per employee ($millions) | 3.9258% | 4,041 |
| Cash dividends to net income (ytd only)* | 101.4151% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,883 |
| Loan loss allowance to noncurrent loans | 120.6169% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 5,696 |
| Noncurrent loans to loans | 0.9338% | 5,453 |
| Net loans and leases to total assets | 58.2971% | 5,384 |
| Net loans and leases to deposits | 64.7298% | 5,966 |
| Net loans and leases to core deposits | 68.1610% | 6,083 |
| Total domestic deposits to total assets | 90.0622% | 955 |
| Equity capital to assets | 9.6934% | 4,236 |
| Core capital (leverage) ratio | 8.3665% | 5,616 |
| Tier 1 risk-based capital ratio | 12.1744% | 5,014 |
| Total risk-based capital ratio | 13.1741% | 5,230 |
| Memoranda: | ||
| Average total assets | $222,893,500 | 2,955 |
| Average earning assets | $199,918,500 | 3,002 |
| Average equity | $21,746,000 | 2,974 |
| Average total loans | $150,643,000 | 2,885 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0247% | 272 |
| Cost of funding earning assets | 1.2567% | 6,453 |
| Net interest margin | 5.7680% | 139 |
| Noninterest income to average assets | 0.5416% | 4,098 |
| Noninterest expense to average assets | 2.4178% | 6,411 |
| Loan and lease loss provision to assets | 1.6467% | 1,389 |
| Net operating income to assets | 1.1618% | 1,356 |
| Return on assets (ROA) | 1.1670% | 1,375 |
| Pretax return on assets | 1.7392% | 716 |
| Return on Equity (ROE) | 12.2445% | 1,102 |
| Retained earnings to average equity (ytd only) | 3.1367% | 2,962 |
| Net charge-offs to loans | 2.1165% | 1,149 |
| Credit loss provision to net charge-offs | 104.7765% | 5,278 |
| Earnings coverage of net charge-offs (x) | 2.1494% | 4,113 |
| Efficiency ratio | 41.7169% | 7,832 |
| Assets per employee ($millions) | 3.6396% | 4,670 |
| Cash dividends to net income (ytd only)* | 74.3829% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 5,580 |
| Loan loss allowance to noncurrent loans | 84.6319% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 1.2305% | 4,638 |
| Noncurrent loans to loans | 1.3717% | 4,630 |
| Net loans and leases to total assets | 75.3919% | 1,947 |
| Net loans and leases to deposits | 83.9416% | 3,286 |
| Net loans and leases to core deposits | 93.2241% | 4,755 |
| Total domestic deposits to total assets | 89.8147% | 1,049 |
| Equity capital to assets | 9.8196% | 3,986 |
| Core capital (leverage) ratio | 8.2692% | 5,680 |
| Tier 1 risk-based capital ratio | 9.9717% | 6,895 |
| Total risk-based capital ratio | 11.0547% | 6,999 |
| Memoranda: | ||
| Average total assets | $229,131,200 | 2,833 |
| Average earning assets | $208,719,400 | 2,852 |
| Average equity | $21,838,400 | 2,965 |
| Average total loans | $170,141,600 | 2,617 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8746% | 370 |
| Cost of funding earning assets | 1.3539% | 6,384 |
| Net interest margin | 5.5207% | 180 |
| Noninterest income to average assets | 0.5289% | 4,248 |
| Noninterest expense to average assets | 2.2929% | 6,727 |
| Loan and lease loss provision to assets | 1.4943% | 1,286 |
| Net operating income to assets | 1.1912% | 1,487 |
| Return on assets (ROA) | 1.1912% | 1,543 |
| Pretax return on assets | 1.7732% | 846 |
| Return on Equity (ROE) | 12.5899% | 1,207 |
| Retained earnings to average equity (ytd only) | 6.3529% | 1,791 |
| Net charge-offs to loans | 1.9083% | 1,051 |
| Credit loss provision to net charge-offs | 106.1526% | 4,796 |
| Earnings coverage of net charge-offs (x) | 2.3212% | 4,084 |
| Efficiency ratio | 41.2357% | 7,900 |
| Assets per employee ($millions) | 3.7776% | 4,232 |
| Cash dividends to net income (ytd only)* | 49.5394% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,258 |
| Loan loss allowance to noncurrent loans | 67.4064% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.5600% | 4,023 |
| Noncurrent loans to loans | 1.7446% | 4,006 |
| Net loans and leases to total assets | 73.2986% | 2,712 |
| Net loans and leases to deposits | 81.7465% | 4,075 |
| Net loans and leases to core deposits | 91.5555% | 5,274 |
| Total domestic deposits to total assets | 89.6657% | 903 |
| Equity capital to assets | 9.9533% | 4,149 |
| Core capital (leverage) ratio | 8.2350% | 5,954 |
| Tier 1 risk-based capital ratio | 10.3653% | 6,610 |
| Total risk-based capital ratio | 11.4570% | 6,712 |
| Memoranda: | ||
| Average total assets | $230,910,000 | 2,836 |
| Average earning assets | $210,451,250 | 2,852 |
| Average equity | $21,847,750 | 2,991 |
| Average total loans | $170,340,000 | 2,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6303% | 624 |
| Cost of funding earning assets | 1.4557% | 6,307 |
| Net interest margin | 5.1746% | 310 |
| Noninterest income to average assets | 0.5231% | 4,248 |
| Noninterest expense to average assets | 2.2827% | 6,808 |
| Loan and lease loss provision to assets | 1.3391% | 1,290 |
| Net operating income to assets | 1.1114% | 1,733 |
| Return on assets (ROA) | 1.1114% | 1,812 |
| Pretax return on assets | 1.6371% | 1,138 |
| Return on Equity (ROE) | 11.9435% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.9435% | 454 |
| Net charge-offs to loans | 1.6382% | 1,156 |
| Credit loss provision to net charge-offs | 111.0007% | 4,167 |
| Earnings coverage of net charge-offs (x) | 2.4670% | 3,833 |
| Efficiency ratio | 43.4061% | 7,940 |
| Assets per employee ($millions) | 3.9986% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,099 |
| Loan loss allowance to noncurrent loans | 76.1328% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 4,134 |
| Noncurrent loans to loans | 1.5454% | 4,178 |
| Net loans and leases to total assets | 70.5874% | 3,554 |
| Net loans and leases to deposits | 78.5389% | 4,779 |
| Net loans and leases to core deposits | 88.7680% | 5,655 |
| Total domestic deposits to total assets | 89.8757% | 879 |
| Equity capital to assets | 9.6517% | 4,424 |
| Core capital (leverage) ratio | 8.0685% | 6,220 |
| Tier 1 risk-based capital ratio | 10.4042% | 6,477 |
| Total risk-based capital ratio | 11.4876% | 6,596 |
| Memoranda: | ||
| Average total assets | $233,586,670 | 2,820 |
| Average earning assets | $213,777,000 | 2,822 |
| Average equity | $21,735,670 | 3,005 |
| Average total loans | $172,016,000 | 2,661 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5620% | 765 |
| Cost of funding earning assets | 1.5888% | 6,077 |
| Net interest margin | 4.9732% | 431 |
| Noninterest income to average assets | 0.4965% | 4,350 |
| Noninterest expense to average assets | 2.1466% | 7,019 |
| Loan and lease loss provision to assets | 1.0682% | 1,227 |
| Net operating income to assets | 1.2149% | 1,617 |
| Return on assets (ROA) | 1.2149% | 1,723 |
| Pretax return on assets | 1.7951% | 983 |
| Return on Equity (ROE) | 13.3013% | 1,314 |
| Retained earnings to average equity (ytd only) | 13.3013% | 594 |
| Net charge-offs to loans | 1.0959% | 1,243 |
| Credit loss provision to net charge-offs | 130.4167% | 3,078 |
| Earnings coverage of net charge-offs (x) | 3.4958% | 3,161 |
| Efficiency ratio | 42.8474% | 7,971 |
| Assets per employee ($millions) | 4.1707% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 5,230 |
| Loan loss allowance to noncurrent loans | 112.2036% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 4,663 |
| Noncurrent loans to loans | 1.0107% | 4,980 |
| Net loans and leases to total assets | 71.1413% | 3,437 |
| Net loans and leases to deposits | 78.7192% | 4,810 |
| Net loans and leases to core deposits | 88.9013% | 5,658 |
| Total domestic deposits to total assets | 90.3736% | 654 |
| Equity capital to assets | 9.1591% | 5,137 |
| Core capital (leverage) ratio | 7.9850% | 6,477 |
| Tier 1 risk-based capital ratio | 9.8109% | 7,132 |
| Total risk-based capital ratio | 10.8607% | 7,267 |
| Memoranda: | ||
| Average total assets | $234,421,000 | 2,826 |
| Average earning assets | $212,740,500 | 2,849 |
| Average equity | $21,411,500 | 3,059 |
| Average total loans | $175,197,000 | 2,654 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7796% | 1,754 |
| Cost of funding earning assets | 2.2370% | 5,431 |
| Net interest margin | 4.5426% | 1,327 |
| Noninterest income to average assets | 0.5482% | 4,243 |
| Noninterest expense to average assets | 2.2284% | 6,899 |
| Loan and lease loss provision to assets | 1.3668% | 1,023 |
| Net operating income to assets | 0.7705% | 3,569 |
| Return on assets (ROA) | 0.7705% | 3,411 |
| Pretax return on assets | 1.1135% | 2,978 |
| Return on Equity (ROE) | 8.2161% | 2,971 |
| Retained earnings to average equity (ytd only) | 1.5178% | 4,316 |
| Net charge-offs to loans | 1.7542% | 630 |
| Credit loss provision to net charge-offs | 99.7052% | 5,386 |
| Earnings coverage of net charge-offs (x) | 1.8094% | 5,169 |
| Efficiency ratio | 47.3253% | 7,858 |
| Assets per employee ($millions) | 3.9847% | 3,557 |
| Cash dividends to net income (ytd only)* | 81.5268% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,051 |
| Loan loss allowance to noncurrent loans | 109.7919% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 5,113 |
| Noncurrent loans to loans | 0.9112% | 4,799 |
| Net loans and leases to total assets | 76.8181% | 2,423 |
| Net loans and leases to deposits | 84.8042% | 4,289 |
| Net loans and leases to core deposits | 97.1756% | 5,131 |
| Total domestic deposits to total assets | 90.5829% | 458 |
| Equity capital to assets | 9.1077% | 5,214 |
| Core capital (leverage) ratio | 7.8381% | 6,739 |
| Tier 1 risk-based capital ratio | 9.0834% | 7,730 |
| Total risk-based capital ratio | 10.0189% | 7,995 |
| Memoranda: | ||
| Average total assets | $222,714,200 | 2,842 |
| Average earning assets | $203,978,200 | 2,858 |
| Average equity | $20,885,800 | 3,108 |
| Average total loans | $174,044,200 | 2,567 |