Home > The Yoakum National Bank > Performance and Condition Ratios
The Yoakum National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 2,020 |
| Cost of funding earning assets | 1.5296% | 1,866 |
| Net interest margin | 3.4999% | 2,178 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.7256% | 1,674 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.7314% | 3,103 |
| Return on assets (ROA) | 0.7349% | 3,076 |
| Pretax return on assets | 0.7366% | 3,363 |
| Return on Equity (ROE) | 9.7600% | 2,562 |
| Retained earnings to average equity (ytd only) | 6.2829% | 2,140 |
| Net charge-offs to loans | 0.0012% | 2,819 |
| Credit loss provision to net charge-offs | 14,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,204.5000% | 135 |
| Efficiency ratio | 76.4286% | 1,214 |
| Assets per employee ($millions) | 8.0449% | 1,410 |
| Cash dividends to net income (ytd only)* | 35.6125% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,387 |
| Loan loss allowance to noncurrent loans | 988.5463% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,076 |
| Noncurrent loans to loans | 0.1198% | 2,920 |
| Net loans and leases to total assets | 59.7000% | 2,874 |
| Net loans and leases to deposits | 73.5348% | 2,651 |
| Net loans and leases to core deposits | 91.1471% | 1,972 |
| Total domestic deposits to total assets | 81.1800% | 3,277 |
| Equity capital to assets | 7.5483% | 3,692 |
| Core capital (leverage) ratio | 10.9061% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $286,577,600 | 2,488 |
| Average earning assets | $265,690,400 | 2,485 |
| Average equity | $21,582,400 | 2,728 |
| Average total loans | $171,793,400 | 2,511 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 2,118 |
| Cost of funding earning assets | 1.3378% | 2,039 |
| Net interest margin | 3.5352% | 2,137 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.7382% | 1,573 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.7167% | 3,272 |
| Return on assets (ROA) | 0.7215% | 3,236 |
| Pretax return on assets | 0.7234% | 3,500 |
| Return on Equity (ROE) | 9.5900% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.0034% | 1,964 |
| Net charge-offs to loans | 0.0016% | 2,536 |
| Credit loss provision to net charge-offs | 14,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 908.0000% | 177 |
| Efficiency ratio | 75.9852% | 1,169 |
| Assets per employee ($millions) | 7.0131% | 1,952 |
| Cash dividends to net income (ytd only)* | 16.5125% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,224 |
| Loan loss allowance to noncurrent loans | 7,238.7097% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,751 |
| Noncurrent loans to loans | 0.0170% | 3,663 |
| Net loans and leases to total assets | 61.2300% | 2,727 |
| Net loans and leases to deposits | 75.6894% | 2,441 |
| Net loans and leases to core deposits | 88.2940% | 2,033 |
| Total domestic deposits to total assets | 80.9000% | 3,401 |
| Equity capital to assets | 6.7799% | 3,716 |
| Core capital (leverage) ratio | 11.3773% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $279,784,000 | 2,528 |
| Average earning assets | $259,024,000 | 2,530 |
| Average equity | $21,057,250 | 2,757 |
| Average total loans | $167,356,000 | 2,549 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 2,274 |
| Cost of funding earning assets | 1.1289% | 2,196 |
| Net interest margin | 3.5356% | 2,190 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.7614% | 1,496 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.6563% | 3,444 |
| Return on assets (ROA) | 0.6636% | 3,430 |
| Pretax return on assets | 0.6651% | 3,677 |
| Return on Equity (ROE) | 8.5200% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.5155% | 1,815 |
| Net charge-offs to loans | 0.0025% | 2,261 |
| Credit loss provision to net charge-offs | 10,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 552.0000% | 264 |
| Efficiency ratio | 77.4648% | 1,045 |
| Assets per employee ($millions) | 6.4460% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,265 |
| Loan loss allowance to noncurrent loans | 5,410.0000% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,699 |
| Noncurrent loans to loans | 0.0228% | 3,599 |
| Net loans and leases to total assets | 61.1100% | 2,657 |
| Net loans and leases to deposits | 76.3179% | 2,281 |
| Net loans and leases to core deposits | 90.4339% | 1,770 |
| Total domestic deposits to total assets | 80.0700% | 3,573 |
| Equity capital to assets | 7.6041% | 3,466 |
| Core capital (leverage) ratio | 11.8717% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $274,862,333 | 2,556 |
| Average earning assets | $254,047,000 | 2,559 |
| Average equity | $21,419,667 | 2,744 |
| Average total loans | $162,271,000 | 2,579 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 2,186 |
| Cost of funding earning assets | 0.9854% | 2,095 |
| Net interest margin | 3.5661% | 2,207 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.7861% | 1,460 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7305% | 3,396 |
| Return on assets (ROA) | 0.7453% | 3,313 |
| Pretax return on assets | 0.7468% | 3,569 |
| Return on Equity (ROE) | 9.4400% | 2,935 |
| Retained earnings to average equity (ytd only) | 9.4444% | 1,825 |
| Net charge-offs to loans | 0.0077% | 1,659 |
| Credit loss provision to net charge-offs | 1,666.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 532 |
| Efficiency ratio | 77.5628% | 1,040 |
| Assets per employee ($millions) | 6.1807% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,241 |
| Loan loss allowance to noncurrent loans | 4,473.3333% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,660 |
| Noncurrent loans to loans | 0.0282% | 3,563 |
| Net loans and leases to total assets | 57.9900% | 2,873 |
| Net loans and leases to deposits | 65.7645% | 2,956 |
| Net loans and leases to core deposits | 77.5894% | 2,416 |
| Total domestic deposits to total assets | 88.1800% | 1,861 |
| Equity capital to assets | 8.0096% | 3,234 |
| Core capital (leverage) ratio | 11.9023% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $270,482,500 | 2,613 |
| Average earning assets | $249,236,000 | 2,622 |
| Average equity | $21,346,000 | 2,767 |
| Average total loans | $155,664,000 | 2,660 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9534% | 1,842 |
| Cost of funding earning assets | 0.4015% | 2,086 |
| Net interest margin | 3.5519% | 1,779 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.8122% | 1,292 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7255% | 3,552 |
| Return on assets (ROA) | 0.7251% | 3,495 |
| Pretax return on assets | 0.7251% | 3,799 |
| Return on Equity (ROE) | 7.5300% | 3,516 |
| Retained earnings to average equity (ytd only) | 5.3686% | 2,887 |
| Net charge-offs to loans | -0.0023% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.9195% | 855 |
| Assets per employee ($millions) | 6.2562% | 2,548 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,771.1712% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 3,388 |
| Noncurrent loans to loans | 0.0732% | 3,238 |
| Net loans and leases to total assets | 55.6300% | 3,070 |
| Net loans and leases to deposits | 62.8774% | 3,122 |
| Net loans and leases to core deposits | 74.9637% | 2,500 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 7.7728% | 3,207 |
| Core capital (leverage) ratio | 12.0770% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $251,972,000 | 2,714 |
| Average earning assets | $233,367,600 | 2,714 |
| Average equity | $24,252,000 | 2,620 |
| Average total loans | $129,998,200 | 2,828 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 1,723 |
| Cost of funding earning assets | 0.3116% | 2,043 |
| Net interest margin | 3.5000% | 1,661 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.7488% | 1,351 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.7277% | 3,488 |
| Return on assets (ROA) | 0.7277% | 3,434 |
| Pretax return on assets | 0.7326% | 3,731 |
| Return on Equity (ROE) | 7.1900% | 3,552 |
| Retained earnings to average equity (ytd only) | 7.1853% | 2,304 |
| Net charge-offs to loans | -0.0032% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.8201% | 1,012 |
| Assets per employee ($millions) | 6.1486% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 3,727 |
| Loan loss allowance to noncurrent loans | 5,080.7692% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,883 |
| Noncurrent loans to loans | 0.0185% | 3,789 |
| Net loans and leases to total assets | 53.7900% | 3,125 |
| Net loans and leases to deposits | 66.4025% | 2,684 |
| Net loans and leases to core deposits | 70.7082% | 2,587 |
| Total domestic deposits to total assets | 81.0100% | 3,973 |
| Equity capital to assets | 7.7179% | 3,077 |
| Core capital (leverage) ratio | 12.6474% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $247,711,000 | 2,764 |
| Average earning assets | $229,746,750 | 2,764 |
| Average equity | $25,087,500 | 2,619 |
| Average total loans | $124,594,500 | 2,885 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 1,805 |
| Cost of funding earning assets | 0.2267% | 2,556 |
| Net interest margin | 3.3849% | 1,650 |
| Noninterest income to average assets | 0.3325% | 3,166 |
| Noninterest expense to average assets | 2.7117% | 1,361 |
| Loan and lease loss provision to assets | 0.0860% | 1,154 |
| Net operating income to assets | 0.6896% | 3,339 |
| Return on assets (ROA) | 0.6896% | 3,294 |
| Pretax return on assets | 0.6896% | 3,604 |
| Return on Equity (ROE) | 6.2821% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.2821% | 2,246 |
| Net charge-offs to loans | -0.0017% | 3,097 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7595% | 1,105 |
| Assets per employee ($millions) | 6.3114% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 3,871 |
| Loan loss allowance to noncurrent loans | 253.2520% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 2,363 |
| Noncurrent loans to loans | 0.3667% | 2,050 |
| Net loans and leases to total assets | 52.6504% | 3,097 |
| Net loans and leases to deposits | 63.6302% | 2,754 |
| Net loans and leases to core deposits | 67.8844% | 2,664 |
| Total domestic deposits to total assets | 82.7443% | 3,912 |
| Equity capital to assets | 8.2890% | 2,918 |
| Core capital (leverage) ratio | 12.6700% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,200,333 | 2,803 |
| Average earning assets | $227,600,333 | 2,813 |
| Average equity | $26,806,333 | 2,596 |
| Average total loans | $119,381,000 | 2,950 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 1,977 |
| Cost of funding earning assets | 0.1907% | 2,933 |
| Net interest margin | 3.2471% | 1,730 |
| Noninterest income to average assets | 0.3316% | 3,113 |
| Noninterest expense to average assets | 2.6575% | 1,456 |
| Loan and lease loss provision to assets | 0.0916% | 903 |
| Net operating income to assets | 0.6148% | 3,348 |
| Return on assets (ROA) | 0.6148% | 3,332 |
| Pretax return on assets | 0.6181% | 3,589 |
| Return on Equity (ROE) | 4.9619% | 3,634 |
| Retained earnings to average equity (ytd only) | 4.9619% | 2,606 |
| Net charge-offs to loans | -0.0071% | 3,468 |
| Credit loss provision to net charge-offs | -2,750.0000% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9213% | 1,233 |
| Assets per employee ($millions) | 6.6724% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9944% | 3,755 |
| Loan loss allowance to noncurrent loans | 350.7331% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,821 |
| Noncurrent loans to loans | 0.2835% | 2,456 |
| Net loans and leases to total assets | 48.2313% | 3,364 |
| Net loans and leases to deposits | 56.6484% | 3,202 |
| Net loans and leases to core deposits | 60.1781% | 3,128 |
| Total domestic deposits to total assets | 85.1416% | 3,509 |
| Equity capital to assets | 10.9062% | 1,379 |
| Core capital (leverage) ratio | 13.2126% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,072,500 | 2,847 |
| Average earning assets | $224,443,000 | 2,839 |
| Average equity | $29,746,500 | 2,495 |
| Average total loans | $111,989,000 | 3,034 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 3,412 |
| Cost of funding earning assets | 0.2146% | 3,320 |
| Net interest margin | 3.0120% | 3,164 |
| Noninterest income to average assets | 0.4552% | 2,790 |
| Noninterest expense to average assets | 2.7159% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5762% | 3,928 |
| Return on assets (ROA) | 0.6500% | 3,808 |
| Pretax return on assets | 0.6522% | 4,029 |
| Return on Equity (ROE) | 4.3116% | 4,150 |
| Retained earnings to average equity (ytd only) | -3.8043% | 4,678 |
| Net charge-offs to loans | -0.0021% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4426% | 648 |
| Assets per employee ($millions) | 6.4797% | 2,353 |
| Cash dividends to net income (ytd only)* | 188.2353% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,360 |
| Loan loss allowance to noncurrent loans | 272.0764% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,681 |
| Noncurrent loans to loans | 0.4040% | 2,149 |
| Net loans and leases to total assets | 43.9709% | 3,840 |
| Net loans and leases to deposits | 51.7450% | 3,754 |
| Net loans and leases to core deposits | 54.8547% | 3,698 |
| Total domestic deposits to total assets | 84.9761% | 3,278 |
| Equity capital to assets | 13.9616% | 671 |
| Core capital (leverage) ratio | 13.6297% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,936,600 | 2,872 |
| Average earning assets | $212,018,000 | 2,858 |
| Average equity | $33,908,800 | 2,336 |
| Average total loans | $97,004,200 | 3,237 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2159% | 3,576 |
| Cost of funding earning assets | 0.2214% | 3,408 |
| Net interest margin | 2.9945% | 3,322 |
| Noninterest income to average assets | 0.4888% | 2,673 |
| Noninterest expense to average assets | 2.6259% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6842% | 3,809 |
| Return on assets (ROA) | 0.7832% | 3,635 |
| Pretax return on assets | 0.7873% | 3,912 |
| Return on Equity (ROE) | 5.0966% | 4,101 |
| Retained earnings to average equity (ytd only) | -5.6184% | 4,795 |
| Net charge-offs to loans | -0.0028% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2524% | 792 |
| Assets per employee ($millions) | 5.9695% | 2,726 |
| Cash dividends to net income (ytd only)* | 210.2368% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1282% | 3,298 |
| Loan loss allowance to noncurrent loans | 5,181.8182% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,170 |
| Noncurrent loans to loans | 0.0218% | 4,041 |
| Net loans and leases to total assets | 44.0423% | 3,951 |
| Net loans and leases to deposits | 51.8575% | 3,895 |
| Net loans and leases to core deposits | 54.3012% | 3,896 |
| Total domestic deposits to total assets | 84.9295% | 3,139 |
| Equity capital to assets | 14.8038% | 574 |
| Core capital (leverage) ratio | 13.8439% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,853,750 | 2,920 |
| Average earning assets | $210,199,750 | 2,898 |
| Average equity | $34,244,000 | 2,352 |
| Average total loans | $95,327,750 | 3,302 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2169% | 3,643 |
| Cost of funding earning assets | 0.2287% | 3,475 |
| Net interest margin | 2.9882% | 3,356 |
| Noninterest income to average assets | 0.5273% | 2,501 |
| Noninterest expense to average assets | 2.5009% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8414% | 3,389 |
| Return on assets (ROA) | 0.9823% | 3,042 |
| Pretax return on assets | 0.9868% | 3,474 |
| Return on Equity (ROE) | 6.3137% | 3,831 |
| Retained earnings to average equity (ytd only) | -8.8321% | 4,855 |
| Net charge-offs to loans | -0.0064% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7235% | 1,181 |
| Assets per employee ($millions) | 6.1064% | 2,519 |
| Cash dividends to net income (ytd only)* | 239.8897% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 3,102 |
| Loan loss allowance to noncurrent loans | 223.2877% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 2,798 |
| Noncurrent loans to loans | 0.5231% | 2,109 |
| Net loans and leases to total assets | 42.7311% | 4,129 |
| Net loans and leases to deposits | 52.4578% | 3,967 |
| Net loans and leases to core deposits | 54.7686% | 3,979 |
| Total domestic deposits to total assets | 81.4580% | 4,019 |
| Equity capital to assets | 14.8493% | 554 |
| Core capital (leverage) ratio | 13.8087% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,524,667 | 2,931 |
| Average earning assets | $209,021,667 | 2,912 |
| Average equity | $34,465,000 | 2,340 |
| Average total loans | $93,421,667 | 3,346 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2041% | 3,682 |
| Cost of funding earning assets | 0.2377% | 3,582 |
| Net interest margin | 2.9664% | 3,340 |
| Noninterest income to average assets | 0.6566% | 2,002 |
| Noninterest expense to average assets | 2.3801% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0724% | 2,562 |
| Return on assets (ROA) | 1.3588% | 1,752 |
| Pretax return on assets | 1.3624% | 2,389 |
| Return on Equity (ROE) | 8.5332% | 3,175 |
| Retained earnings to average equity (ytd only) | -11.2134% | 4,834 |
| Net charge-offs to loans | -0.0044% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8654% | 1,828 |
| Assets per employee ($millions) | 7.3012% | 1,586 |
| Cash dividends to net income (ytd only)* | 231.4094% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,646 |
| Loan loss allowance to noncurrent loans | 234.5679% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,043 |
| Noncurrent loans to loans | 0.5345% | 2,249 |
| Net loans and leases to total assets | 40.9916% | 4,293 |
| Net loans and leases to deposits | 49.3818% | 4,200 |
| Net loans and leases to core deposits | 53.2741% | 4,129 |
| Total domestic deposits to total assets | 83.0096% | 3,685 |
| Equity capital to assets | 15.2944% | 467 |
| Core capital (leverage) ratio | 14.3414% | 597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,319,000 | 2,933 |
| Average earning assets | $206,984,500 | 2,915 |
| Average equity | $34,922,500 | 2,306 |
| Average total loans | $91,289,500 | 3,388 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4278% | 4,161 |
| Cost of funding earning assets | 0.4504% | 3,276 |
| Net interest margin | 2.9774% | 3,941 |
| Noninterest income to average assets | 0.3591% | 3,314 |
| Noninterest expense to average assets | 1.9031% | 4,318 |
| Loan and lease loss provision to assets | 0.0561% | 3,666 |
| Net operating income to assets | 1.2196% | 1,485 |
| Return on assets (ROA) | 1.2191% | 1,601 |
| Pretax return on assets | 1.2234% | 2,249 |
| Return on Equity (ROE) | 7.9252% | 2,850 |
| Retained earnings to average equity (ytd only) | 1.4728% | 4,045 |
| Net charge-offs to loans | 0.0010% | 3,391 |
| Credit loss provision to net charge-offs | 13,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 2,966.0000% | 30 |
| Efficiency ratio | 59.7885% | 3,493 |
| Assets per employee ($millions) | 7.5725% | 1,235 |
| Cash dividends to net income (ytd only)* | 81.4159% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,740 |
| Loan loss allowance to noncurrent loans | 1,250.5495% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,142 |
| Noncurrent loans to loans | 0.0993% | 3,898 |
| Net loans and leases to total assets | 41.2176% | 4,391 |
| Net loans and leases to deposits | 52.8595% | 4,172 |
| Net loans and leases to core deposits | 55.2487% | 4,193 |
| Total domestic deposits to total assets | 77.9757% | 4,321 |
| Equity capital to assets | 16.5503% | 380 |
| Core capital (leverage) ratio | 14.5627% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,722,000 | 2,703 |
| Average earning assets | $219,788,800 | 2,671 |
| Average equity | $35,645,600 | 2,199 |
| Average total loans | $97,773,400 | 3,264 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4366% | 4,302 |
| Cost of funding earning assets | 0.5061% | 3,183 |
| Net interest margin | 2.9305% | 4,126 |
| Noninterest income to average assets | 0.3646% | 3,276 |
| Noninterest expense to average assets | 1.8993% | 4,325 |
| Loan and lease loss provision to assets | 0.0737% | 3,400 |
| Net operating income to assets | 1.1683% | 1,749 |
| Return on assets (ROA) | 1.2160% | 1,714 |
| Pretax return on assets | 1.2217% | 2,314 |
| Return on Equity (ROE) | 8.0477% | 2,797 |
| Retained earnings to average equity (ytd only) | 5.0406% | 2,538 |
| Net charge-offs to loans | -0.0013% | 3,841 |
| Credit loss provision to net charge-offs | -13,100.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3501% | 3,341 |
| Assets per employee ($millions) | 8.3963% | 877 |
| Cash dividends to net income (ytd only)* | 37.3657% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,605 |
| Loan loss allowance to noncurrent loans | 4,388.4615% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 4,450 |
| Noncurrent loans to loans | 0.0276% | 4,297 |
| Net loans and leases to total assets | 38.2278% | 4,612 |
| Net loans and leases to deposits | 47.9209% | 4,557 |
| Net loans and leases to core deposits | 49.6572% | 4,587 |
| Total domestic deposits to total assets | 79.7727% | 3,908 |
| Equity capital to assets | 15.2830% | 570 |
| Core capital (leverage) ratio | 14.1961% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,751,750 | 2,674 |
| Average earning assets | $222,890,000 | 2,631 |
| Average equity | $35,470,750 | 2,189 |
| Average total loans | $99,303,500 | 3,254 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 4,368 |
| Cost of funding earning assets | 0.5652% | 3,155 |
| Net interest margin | 2.9693% | 4,191 |
| Noninterest income to average assets | 0.3968% | 3,095 |
| Noninterest expense to average assets | 1.9091% | 4,400 |
| Loan and lease loss provision to assets | 0.0776% | 3,327 |
| Net operating income to assets | 1.2257% | 1,566 |
| Return on assets (ROA) | 1.2975% | 1,475 |
| Pretax return on assets | 1.3061% | 2,012 |
| Return on Equity (ROE) | 8.6214% | 2,525 |
| Retained earnings to average equity (ytd only) | 5.7552% | 2,176 |
| Net charge-offs to loans | -0.0020% | 3,822 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2821% | 3,517 |
| Assets per employee ($millions) | 8.8293% | 715 |
| Cash dividends to net income (ytd only)* | 33.2447% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,075 |
| Loan loss allowance to noncurrent loans | 3,928.5714% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,515 |
| Noncurrent loans to loans | 0.0280% | 4,373 |
| Net loans and leases to total assets | 41.5484% | 4,544 |
| Net loans and leases to deposits | 49.4111% | 4,555 |
| Net loans and leases to core deposits | 56.5446% | 4,416 |
| Total domestic deposits to total assets | 84.0871% | 2,723 |
| Equity capital to assets | 15.4506% | 543 |
| Core capital (leverage) ratio | 13.9273% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4132% | 235 |
| Memoranda: | ||
| Average total assets | $231,838,000 | 2,668 |
| Average earning assets | $220,455,000 | 2,625 |
| Average equity | $34,890,000 | 2,209 |
| Average total loans | $100,997,000 | 3,219 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 4,434 |
| Cost of funding earning assets | 0.6617% | 3,106 |
| Net interest margin | 3.0156% | 4,258 |
| Noninterest income to average assets | 0.3378% | 3,493 |
| Noninterest expense to average assets | 1.8341% | 4,626 |
| Loan and lease loss provision to assets | 0.0525% | 3,119 |
| Net operating income to assets | 1.3056% | 1,232 |
| Return on assets (ROA) | 1.3056% | 1,329 |
| Pretax return on assets | 1.3143% | 1,833 |
| Return on Equity (ROE) | 8.7976% | 2,193 |
| Retained earnings to average equity (ytd only) | 8.7976% | 1,028 |
| Net charge-offs to loans | -0.0039% | 3,788 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2991% | 4,079 |
| Assets per employee ($millions) | 7.6953% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,528 |
| Loan loss allowance to noncurrent loans | 3,466.6667% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,583 |
| Noncurrent loans to loans | 0.0298% | 4,442 |
| Net loans and leases to total assets | 43.1478% | 4,542 |
| Net loans and leases to deposits | 51.0700% | 4,561 |
| Net loans and leases to core deposits | 58.5197% | 4,415 |
| Total domestic deposits to total assets | 84.4876% | 2,604 |
| Equity capital to assets | 15.0875% | 742 |
| Core capital (leverage) ratio | 14.4278% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1923% | 261 |
| Memoranda: | ||
| Average total assets | $228,561,000 | 2,646 |
| Average earning assets | $217,007,000 | 2,595 |
| Average equity | $33,918,500 | 2,249 |
| Average total loans | $101,421,500 | 3,205 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,623 |
| Cost of funding earning assets | 0.8047% | 2,663 |
| Net interest margin | 2.9522% | 4,571 |
| Noninterest income to average assets | 0.3175% | 3,796 |
| Noninterest expense to average assets | 1.6736% | 4,895 |
| Loan and lease loss provision to assets | 0.0094% | 3,818 |
| Net operating income to assets | 1.3328% | 1,572 |
| Return on assets (ROA) | 1.3328% | 1,652 |
| Pretax return on assets | 1.3399% | 2,361 |
| Return on Equity (ROE) | 9.2936% | 2,614 |
| Retained earnings to average equity (ytd only) | 3.3362% | 3,342 |
| Net charge-offs to loans | -0.0042% | 4,313 |
| Credit loss provision to net charge-offs | -525.0000% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3622% | 4,282 |
| Assets per employee ($millions) | 8.3801% | 623 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,583 |
| Loan loss allowance to noncurrent loans | 3,156.2500% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,594 |
| Noncurrent loans to loans | 0.0313% | 4,439 |
| Net loans and leases to total assets | 44.7190% | 4,567 |
| Net loans and leases to deposits | 52.6403% | 4,587 |
| Net loans and leases to core deposits | 59.9825% | 4,440 |
| Total domestic deposits to total assets | 84.9520% | 2,511 |
| Equity capital to assets | 14.5875% | 906 |
| Core capital (leverage) ratio | 14.2689% | 858 |
| Tier 1 risk-based capital ratio | 29.6351% | 489 |
| Total risk-based capital ratio | 30.5700% | 492 |
| Memoranda: | ||
| Average total assets | $222,396,800 | 2,639 |
| Average earning assets | $203,815,000 | 2,673 |
| Average equity | $31,893,000 | 2,305 |
| Average total loans | $95,915,600 | 3,283 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,702 |
| Cost of funding earning assets | 0.8272% | 2,581 |
| Net interest margin | 2.9470% | 4,700 |
| Noninterest income to average assets | 0.3071% | 3,906 |
| Noninterest expense to average assets | 1.5679% | 5,029 |
| Loan and lease loss provision to assets | 0.0126% | 3,648 |
| Net operating income to assets | 1.3969% | 1,478 |
| Return on assets (ROA) | 1.3969% | 1,541 |
| Pretax return on assets | 1.4036% | 2,298 |
| Return on Equity (ROE) | 9.7842% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,376 |
| Net charge-offs to loans | -0.0056% | 4,236 |
| Credit loss provision to net charge-offs | -525.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5424% | 4,556 |
| Assets per employee ($millions) | 7.8739% | 727 |
| Cash dividends to net income (ytd only)* | 38.7931% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,409 |
| Loan loss allowance to noncurrent loans | 2,882.8571% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,673 |
| Noncurrent loans to loans | 0.0356% | 4,501 |
| Net loans and leases to total assets | 44.0831% | 4,689 |
| Net loans and leases to deposits | 52.3033% | 4,694 |
| Net loans and leases to core deposits | 58.7435% | 4,574 |
| Total domestic deposits to total assets | 84.2836% | 2,718 |
| Equity capital to assets | 15.1735% | 802 |
| Core capital (leverage) ratio | 14.7132% | 811 |
| Tier 1 risk-based capital ratio | 31.3630% | 442 |
| Total risk-based capital ratio | 32.3415% | 444 |
| Memoranda: | ||
| Average total assets | $221,430,500 | 2,670 |
| Average earning assets | $201,147,750 | 2,722 |
| Average equity | $31,614,750 | 2,334 |
| Average total loans | $94,346,500 | 3,347 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,767 |
| Cost of funding earning assets | 0.8156% | 2,570 |
| Net interest margin | 2.9369% | 4,771 |
| Noninterest income to average assets | 0.3003% | 3,924 |
| Noninterest expense to average assets | 1.5441% | 5,094 |
| Loan and lease loss provision to assets | 0.0180% | 3,425 |
| Net operating income to assets | 1.4025% | 1,432 |
| Return on assets (ROA) | 1.4025% | 1,485 |
| Pretax return on assets | 1.4079% | 2,182 |
| Return on Equity (ROE) | 10.0316% | 2,367 |
| Retained earnings to average equity (ytd only) | 6.1609% | 2,211 |
| Net charge-offs to loans | -0.0064% | 4,193 |
| Credit loss provision to net charge-offs | -666.6667% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9891% | 4,656 |
| Assets per employee ($millions) | 8.0841% | 652 |
| Cash dividends to net income (ytd only)* | 38.5852% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,155 |
| Loan loss allowance to noncurrent loans | 2,727.0270% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,705 |
| Noncurrent loans to loans | 0.0397% | 4,513 |
| Net loans and leases to total assets | 42.2120% | 4,774 |
| Net loans and leases to deposits | 49.9204% | 4,809 |
| Net loans and leases to core deposits | 56.0369% | 4,712 |
| Total domestic deposits to total assets | 84.5587% | 2,663 |
| Equity capital to assets | 14.9382% | 831 |
| Core capital (leverage) ratio | 14.4774% | 828 |
| Tier 1 risk-based capital ratio | 31.9389% | 420 |
| Total risk-based capital ratio | 32.9499% | 418 |
| Memoranda: | ||
| Average total assets | $221,750,670 | 2,675 |
| Average earning assets | $201,573,330 | 2,718 |
| Average equity | $31,002,000 | 2,355 |
| Average total loans | $93,062,330 | 3,391 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,852 |
| Cost of funding earning assets | 0.7715% | 2,679 |
| Net interest margin | 2.9267% | 4,854 |
| Noninterest income to average assets | 0.2899% | 3,937 |
| Noninterest expense to average assets | 1.5303% | 5,145 |
| Loan and lease loss provision to assets | 0.0215% | 3,162 |
| Net operating income to assets | 1.3960% | 1,390 |
| Return on assets (ROA) | 1.3960% | 1,421 |
| Pretax return on assets | 1.3996% | 2,086 |
| Return on Equity (ROE) | 10.3311% | 2,229 |
| Retained earnings to average equity (ytd only) | 10.3311% | 957 |
| Net charge-offs to loans | -0.0086% | 4,175 |
| Credit loss provision to net charge-offs | -600.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8496% | 4,706 |
| Assets per employee ($millions) | 7.4389% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,376 |
| Loan loss allowance to noncurrent loans | 2,497.5000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,775 |
| Noncurrent loans to loans | 0.0423% | 4,573 |
| Net loans and leases to total assets | 41.9375% | 4,832 |
| Net loans and leases to deposits | 48.9091% | 4,856 |
| Net loans and leases to core deposits | 55.3073% | 4,739 |
| Total domestic deposits to total assets | 85.7457% | 2,388 |
| Equity capital to assets | 13.8210% | 1,102 |
| Core capital (leverage) ratio | 14.1971% | 897 |
| Tier 1 risk-based capital ratio | 30.9003% | 446 |
| Total risk-based capital ratio | 31.8741% | 444 |
| Memoranda: | ||
| Average total assets | $223,490,000 | 2,696 |
| Average earning assets | $203,235,000 | 2,731 |
| Average equity | $30,200,000 | 2,397 |
| Average total loans | $93,020,500 | 3,428 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 4,791 |
| Cost of funding earning assets | 0.6551% | 2,358 |
| Net interest margin | 2.9511% | 4,850 |
| Noninterest income to average assets | 0.3389% | 3,848 |
| Noninterest expense to average assets | 1.5403% | 5,202 |
| Loan and lease loss provision to assets | 0.0320% | 3,546 |
| Net operating income to assets | 1.4370% | 1,315 |
| Return on assets (ROA) | 1.4324% | 1,321 |
| Pretax return on assets | 1.4361% | 2,006 |
| Return on Equity (ROE) | 10.7613% | 2,180 |
| Retained earnings to average equity (ytd only) | 4.3189% | 3,168 |
| Net charge-offs to loans | -0.0011% | 4,191 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1233% | 4,868 |
| Assets per employee ($millions) | 7.7177% | 734 |
| Cash dividends to net income (ytd only)* | 59.8659% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,239 |
| Loan loss allowance to noncurrent loans | 1,824.0741% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,750 |
| Noncurrent loans to loans | 0.0590% | 4,485 |
| Net loans and leases to total assets | 40.4205% | 4,929 |
| Net loans and leases to deposits | 46.7418% | 4,968 |
| Net loans and leases to core deposits | 52.0491% | 4,892 |
| Total domestic deposits to total assets | 86.4761% | 2,029 |
| Equity capital to assets | 13.2057% | 1,253 |
| Core capital (leverage) ratio | 13.8770% | 958 |
| Tier 1 risk-based capital ratio | 30.8518% | 432 |
| Total risk-based capital ratio | 31.8356% | 441 |
| Memoranda: | ||
| Average total assets | $218,653,000 | 2,699 |
| Average earning assets | $198,129,200 | 2,737 |
| Average equity | $29,104,400 | 2,390 |
| Average total loans | $89,064,600 | 3,497 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 4,824 |
| Cost of funding earning assets | 0.6243% | 2,304 |
| Net interest margin | 2.9643% | 4,901 |
| Noninterest income to average assets | 0.3398% | 3,877 |
| Noninterest expense to average assets | 1.5948% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4237% | 1,407 |
| Return on assets (ROA) | 1.4176% | 1,426 |
| Pretax return on assets | 1.4212% | 2,149 |
| Return on Equity (ROE) | 10.6281% | 2,335 |
| Retained earnings to average equity (ytd only) | 6.4891% | 2,389 |
| Net charge-offs to loans | -0.0030% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7704% | 4,732 |
| Assets per employee ($millions) | 7.5689% | 748 |
| Cash dividends to net income (ytd only)* | 38.9441% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,592 |
| Loan loss allowance to noncurrent loans | 2,081.8182% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 4,896 |
| Noncurrent loans to loans | 0.0494% | 4,674 |
| Net loans and leases to total assets | 40.1648% | 5,021 |
| Net loans and leases to deposits | 46.5519% | 5,041 |
| Net loans and leases to core deposits | 52.0072% | 4,973 |
| Total domestic deposits to total assets | 86.2796% | 2,064 |
| Equity capital to assets | 13.2675% | 1,224 |
| Core capital (leverage) ratio | 14.3331% | 855 |
| Tier 1 risk-based capital ratio | 36.7091% | 281 |
| Total risk-based capital ratio | 37.7900% | 280 |
| Memoranda: | ||
| Average total assets | $217,363,250 | 2,729 |
| Average earning assets | $196,691,250 | 2,768 |
| Average equity | $28,991,500 | 2,405 |
| Average total loans | $88,468,000 | 3,537 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5518% | 4,847 |
| Cost of funding earning assets | 0.6052% | 2,195 |
| Net interest margin | 2.9466% | 4,951 |
| Noninterest income to average assets | 0.3425% | 3,886 |
| Noninterest expense to average assets | 1.6016% | 5,266 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4161% | 1,376 |
| Return on assets (ROA) | 1.4161% | 1,380 |
| Pretax return on assets | 1.4198% | 2,087 |
| Return on Equity (ROE) | 10.5983% | 2,282 |
| Retained earnings to average equity (ytd only) | 6.4530% | 2,329 |
| Net charge-offs to loans | -0.0023% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0095% | 4,783 |
| Assets per employee ($millions) | 7.1077% | 878 |
| Cash dividends to net income (ytd only)* | 39.1134% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,640 |
| Loan loss allowance to noncurrent loans | 1,946.8085% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 4,919 |
| Noncurrent loans to loans | 0.0530% | 4,674 |
| Net loans and leases to total assets | 41.1893% | 5,019 |
| Net loans and leases to deposits | 47.9026% | 5,030 |
| Net loans and leases to core deposits | 54.0453% | 4,934 |
| Total domestic deposits to total assets | 85.9856% | 2,289 |
| Equity capital to assets | 13.5924% | 1,065 |
| Core capital (leverage) ratio | 14.1697% | 866 |
| Tier 1 risk-based capital ratio | 32.2542% | 399 |
| Total risk-based capital ratio | 33.2188% | 403 |
| Memoranda: | ||
| Average total assets | $216,651,670 | 2,753 |
| Average earning assets | $196,970,000 | 2,780 |
| Average equity | $28,948,000 | 2,417 |
| Average total loans | $88,265,000 | 3,558 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4826% | 4,908 |
| Cost of funding earning assets | 0.5518% | 2,392 |
| Net interest margin | 2.9308% | 4,984 |
| Noninterest income to average assets | 0.3425% | 3,857 |
| Noninterest expense to average assets | 1.5790% | 5,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4160% | 1,303 |
| Return on assets (ROA) | 1.4160% | 1,310 |
| Pretax return on assets | 1.4197% | 1,938 |
| Return on Equity (ROE) | 10.6877% | 2,089 |
| Retained earnings to average equity (ytd only) | 10.6877% | 968 |
| Net charge-offs to loans | -0.0045% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6573% | 4,912 |
| Assets per employee ($millions) | 7.2584% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,717 |
| Loan loss allowance to noncurrent loans | 1,830.0000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 5,000 |
| Noncurrent loans to loans | 0.0569% | 4,720 |
| Net loans and leases to total assets | 39.9204% | 5,071 |
| Net loans and leases to deposits | 46.2289% | 5,092 |
| Net loans and leases to core deposits | 51.9228% | 4,980 |
| Total domestic deposits to total assets | 86.3537% | 2,382 |
| Equity capital to assets | 13.3037% | 1,117 |
| Core capital (leverage) ratio | 13.9420% | 890 |
| Tier 1 risk-based capital ratio | 31.5046% | 424 |
| Total risk-based capital ratio | 32.4518% | 424 |
| Memoranda: | ||
| Average total assets | $218,362,500 | 2,775 |
| Average earning assets | $197,897,000 | 2,809 |
| Average equity | $28,930,500 | 2,440 |
| Average total loans | $88,026,000 | 3,589 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 4,884 |
| Cost of funding earning assets | 0.5217% | 2,164 |
| Net interest margin | 2.9159% | 5,019 |
| Noninterest income to average assets | 0.3259% | 4,138 |
| Noninterest expense to average assets | 1.5505% | 5,449 |
| Loan and lease loss provision to assets | 0.0005% | 4,223 |
| Net operating income to assets | 1.4253% | 962 |
| Return on assets (ROA) | 1.4253% | 980 |
| Pretax return on assets | 1.4290% | 1,890 |
| Return on Equity (ROE) | 10.7442% | 1,568 |
| Retained earnings to average equity (ytd only) | 4.2242% | 2,629 |
| Net charge-offs to loans | 0.0012% | 4,082 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3,140.0000% | 18 |
| Efficiency ratio | 52.0318% | 5,100 |
| Assets per employee ($millions) | 7.2991% | 844 |
| Cash dividends to net income (ytd only)* | 60.6835% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,704 |
| Loan loss allowance to noncurrent loans | 1,757.6923% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,037 |
| Noncurrent loans to loans | 0.0590% | 4,732 |
| Net loans and leases to total assets | 39.8659% | 5,136 |
| Net loans and leases to deposits | 46.0701% | 5,191 |
| Net loans and leases to core deposits | 52.0393% | 5,067 |
| Total domestic deposits to total assets | 86.5331% | 2,213 |
| Equity capital to assets | 13.1943% | 1,168 |
| Core capital (leverage) ratio | 13.4718% | 977 |
| Tier 1 risk-based capital ratio | 30.7443% | 434 |
| Total risk-based capital ratio | 31.6916% | 442 |
| Memoranda: | ||
| Average total assets | $219,665,800 | 2,730 |
| Average earning assets | $199,938,400 | 2,766 |
| Average equity | $29,141,400 | 2,419 |
| Average total loans | $86,066,400 | 3,615 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 4,913 |
| Cost of funding earning assets | 0.5098% | 2,190 |
| Net interest margin | 2.9281% | 5,054 |
| Noninterest income to average assets | 0.3038% | 4,362 |
| Noninterest expense to average assets | 1.5587% | 5,481 |
| Loan and lease loss provision to assets | 0.0006% | 4,078 |
| Net operating income to assets | 1.4058% | 1,071 |
| Return on assets (ROA) | 1.4058% | 1,096 |
| Pretax return on assets | 1.4095% | 2,089 |
| Return on Equity (ROE) | 10.5829% | 1,866 |
| Retained earnings to average equity (ytd only) | 6.3598% | 2,028 |
| Net charge-offs to loans | 0.0031% | 3,633 |
| Credit loss provision to net charge-offs | 50.0000% | 2,907 |
| Earnings coverage of net charge-offs (x) | 1,161.0187% | 86 |
| Efficiency ratio | 52.5026% | 5,058 |
| Assets per employee ($millions) | 7.1400% | 900 |
| Cash dividends to net income (ytd only)* | 39.9050% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,867 |
| Loan loss allowance to noncurrent loans | 160.1754% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 4,030 |
| Noncurrent loans to loans | 0.6473% | 2,774 |
| Net loans and leases to total assets | 39.3702% | 5,218 |
| Net loans and leases to deposits | 45.8210% | 5,263 |
| Net loans and leases to core deposits | 51.8092% | 5,144 |
| Total domestic deposits to total assets | 85.9217% | 2,338 |
| Equity capital to assets | 13.6672% | 1,094 |
| Core capital (leverage) ratio | 13.8299% | 931 |
| Tier 1 risk-based capital ratio | 30.6416% | 451 |
| Total risk-based capital ratio | 31.5796% | 460 |
| Memoranda: | ||
| Average total assets | $219,838,750 | 2,751 |
| Average earning assets | $200,079,250 | 2,795 |
| Average equity | $29,203,750 | 2,429 |
| Average total loans | $85,530,500 | 3,649 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 4,969 |
| Cost of funding earning assets | 0.4956% | 2,200 |
| Net interest margin | 2.9051% | 5,090 |
| Noninterest income to average assets | 0.3100% | 4,319 |
| Noninterest expense to average assets | 1.5592% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4088% | 1,048 |
| Return on assets (ROA) | 1.4088% | 1,073 |
| Pretax return on assets | 1.4124% | 1,966 |
| Return on Equity (ROE) | 10.7088% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.5501% | 1,816 |
| Net charge-offs to loans | 0.0047% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 774.5000% | 96 |
| Efficiency ratio | 52.4701% | 5,139 |
| Assets per employee ($millions) | 7.0315% | 918 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,817 |
| Loan loss allowance to noncurrent loans | 153.9629% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 4,033 |
| Noncurrent loans to loans | 0.6861% | 2,695 |
| Net loans and leases to total assets | 39.2306% | 5,249 |
| Net loans and leases to deposits | 45.6050% | 5,293 |
| Net loans and leases to core deposits | 50.8108% | 5,193 |
| Total domestic deposits to total assets | 86.0227% | 2,367 |
| Equity capital to assets | 13.6383% | 1,091 |
| Core capital (leverage) ratio | 13.5023% | 998 |
| Tier 1 risk-based capital ratio | 31.4364% | 422 |
| Total risk-based capital ratio | 32.4134% | 424 |
| Memoranda: | ||
| Average total assets | $219,338,330 | 2,776 |
| Average earning assets | $200,956,670 | 2,799 |
| Average equity | $28,854,670 | 2,447 |
| Average total loans | $84,689,000 | 3,684 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 5,063 |
| Cost of funding earning assets | 0.4749% | 2,308 |
| Net interest margin | 2.8512% | 5,163 |
| Noninterest income to average assets | 0.3145% | 4,301 |
| Noninterest expense to average assets | 1.5671% | 5,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3635% | 1,084 |
| Return on assets (ROA) | 1.3635% | 1,121 |
| Pretax return on assets | 1.3671% | 1,996 |
| Return on Equity (ROE) | 10.5567% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.5567% | 682 |
| Net charge-offs to loans | 0.0095% | 2,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 152 |
| Efficiency ratio | 53.4077% | 5,175 |
| Assets per employee ($millions) | 7.1079% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,731 |
| Loan loss allowance to noncurrent loans | 141.1765% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2932% | 4,028 |
| Noncurrent loans to loans | 0.7770% | 2,522 |
| Net loans and leases to total assets | 37.3186% | 5,355 |
| Net loans and leases to deposits | 43.0959% | 5,388 |
| Net loans and leases to core deposits | 49.4162% | 5,244 |
| Total domestic deposits to total assets | 86.5943% | 2,405 |
| Equity capital to assets | 13.1221% | 1,212 |
| Core capital (leverage) ratio | 13.3090% | 1,032 |
| Tier 1 risk-based capital ratio | 31.2220% | 437 |
| Total risk-based capital ratio | 32.1978% | 447 |
| Memoranda: | ||
| Average total assets | $220,020,000 | 2,791 |
| Average earning assets | $202,161,000 | 2,811 |
| Average equity | $28,418,000 | 2,484 |
| Average total loans | $83,820,500 | 3,723 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 5,132 |
| Cost of funding earning assets | 0.4660% | 2,391 |
| Net interest margin | 2.8560% | 5,203 |
| Noninterest income to average assets | 0.2984% | 4,601 |
| Noninterest expense to average assets | 1.5413% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4135% | 985 |
| Return on assets (ROA) | 1.4135% | 1,002 |
| Pretax return on assets | 1.4153% | 1,877 |
| Return on Equity (ROE) | 10.9225% | 1,607 |
| Retained earnings to average equity (ytd only) | 4.5046% | 2,697 |
| Net charge-offs to loans | -0.0754% | 5,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1313% | 5,377 |
| Assets per employee ($millions) | 7.0869% | 884 |
| Cash dividends to net income (ytd only)* | 58.7587% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,809 |
| Loan loss allowance to noncurrent loans | 170.3911% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 4,242 |
| Noncurrent loans to loans | 0.6355% | 2,950 |
| Net loans and leases to total assets | 38.0456% | 5,401 |
| Net loans and leases to deposits | 43.6887% | 5,442 |
| Net loans and leases to core deposits | 50.3097% | 5,296 |
| Total domestic deposits to total assets | 87.0834% | 2,095 |
| Equity capital to assets | 12.7095% | 1,394 |
| Core capital (leverage) ratio | 12.8316% | 1,197 |
| Tier 1 risk-based capital ratio | 29.1286% | 510 |
| Total risk-based capital ratio | 30.0661% | 517 |
| Memoranda: | ||
| Average total assets | $224,550,600 | 2,717 |
| Average earning assets | $208,996,600 | 2,704 |
| Average equity | $29,059,200 | 2,446 |
| Average total loans | $83,529,000 | 3,727 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 5,184 |
| Cost of funding earning assets | 0.4681% | 2,384 |
| Net interest margin | 2.8530% | 5,260 |
| Noninterest income to average assets | 0.2935% | 4,669 |
| Noninterest expense to average assets | 1.5662% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3855% | 1,094 |
| Return on assets (ROA) | 1.3855% | 1,152 |
| Pretax return on assets | 1.3872% | 2,082 |
| Return on Equity (ROE) | 10.6597% | 1,802 |
| Retained earnings to average equity (ytd only) | 6.1159% | 2,119 |
| Net charge-offs to loans | -0.1137% | 5,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0294% | 5,310 |
| Assets per employee ($millions) | 7.3952% | 759 |
| Cash dividends to net income (ytd only)* | 42.6258% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,802 |
| Loan loss allowance to noncurrent loans | 129.1317% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 4,115 |
| Noncurrent loans to loans | 0.8561% | 2,545 |
| Net loans and leases to total assets | 37.1766% | 5,504 |
| Net loans and leases to deposits | 43.2479% | 5,538 |
| Net loans and leases to core deposits | 45.9120% | 5,514 |
| Total domestic deposits to total assets | 85.9617% | 2,379 |
| Equity capital to assets | 13.7057% | 1,162 |
| Core capital (leverage) ratio | 12.7370% | 1,296 |
| Tier 1 risk-based capital ratio | 29.8971% | 484 |
| Total risk-based capital ratio | 30.8654% | 487 |
| Memoranda: | ||
| Average total assets | $225,764,750 | 2,715 |
| Average earning assets | $210,488,000 | 2,701 |
| Average equity | $29,343,500 | 2,423 |
| Average total loans | $83,286,500 | 3,749 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2857% | 5,314 |
| Cost of funding earning assets | 0.4635% | 2,444 |
| Net interest margin | 2.8222% | 5,392 |
| Noninterest income to average assets | 0.2907% | 4,708 |
| Noninterest expense to average assets | 1.5617% | 5,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3705% | 1,116 |
| Return on assets (ROA) | 1.3705% | 1,187 |
| Pretax return on assets | 1.3732% | 2,125 |
| Return on Equity (ROE) | 10.7351% | 1,747 |
| Retained earnings to average equity (ytd only) | 6.2506% | 1,989 |
| Net charge-offs to loans | -0.1706% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2113% | 5,370 |
| Assets per employee ($millions) | 7.4809% | 705 |
| Cash dividends to net income (ytd only)* | 41.7738% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 4,147 |
| Loan loss allowance to noncurrent loans | 122.0899% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 4,146 |
| Noncurrent loans to loans | 0.8711% | 2,562 |
| Net loans and leases to total assets | 38.2589% | 5,505 |
| Net loans and leases to deposits | 45.3980% | 5,515 |
| Net loans and leases to core deposits | 51.4473% | 5,385 |
| Total domestic deposits to total assets | 84.2745% | 3,163 |
| Equity capital to assets | 13.4053% | 1,282 |
| Core capital (leverage) ratio | 12.2927% | 1,462 |
| Tier 1 risk-based capital ratio | 27.5344% | 615 |
| Total risk-based capital ratio | 28.4412% | 618 |
| Memoranda: | ||
| Average total assets | $227,067,330 | 2,707 |
| Average earning assets | $212,740,330 | 2,688 |
| Average equity | $28,989,000 | 2,452 |
| Average total loans | $83,248,330 | 3,775 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2668% | 5,381 |
| Cost of funding earning assets | 0.4557% | 2,520 |
| Net interest margin | 2.8111% | 5,456 |
| Noninterest income to average assets | 0.2785% | 4,723 |
| Noninterest expense to average assets | 1.5675% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3328% | 1,179 |
| Return on assets (ROA) | 1.3328% | 1,259 |
| Pretax return on assets | 1.3363% | 2,154 |
| Return on Equity (ROE) | 10.7029% | 1,714 |
| Retained earnings to average equity (ytd only) | 6.4836% | 2,143 |
| Net charge-offs to loans | 0.0245% | 2,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 152.6000% | 392 |
| Efficiency ratio | 53.9807% | 5,386 |
| Assets per employee ($millions) | 7.7528% | 622 |
| Cash dividends to net income (ytd only)* | 39.4218% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,460 |
| Loan loss allowance to noncurrent loans | 126.4179% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 4,409 |
| Noncurrent loans to loans | 0.8126% | 2,806 |
| Net loans and leases to total assets | 35.0868% | 5,672 |
| Net loans and leases to deposits | 40.2347% | 5,709 |
| Net loans and leases to core deposits | 46.4407% | 5,571 |
| Total domestic deposits to total assets | 87.2054% | 2,098 |
| Equity capital to assets | 12.5534% | 1,652 |
| Core capital (leverage) ratio | 11.9221% | 1,662 |
| Tier 1 risk-based capital ratio | 28.7788% | 559 |
| Total risk-based capital ratio | 29.6626% | 570 |
| Memoranda: | ||
| Average total assets | $228,388,000 | 2,703 |
| Average earning assets | $213,296,500 | 2,689 |
| Average equity | $28,441,000 | 2,490 |
| Average total loans | $81,479,500 | 3,818 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2874% | 5,364 |
| Cost of funding earning assets | 0.4801% | 2,351 |
| Net interest margin | 2.8073% | 5,498 |
| Noninterest income to average assets | 0.2636% | 4,996 |
| Noninterest expense to average assets | 1.5128% | 5,978 |
| Loan and lease loss provision to assets | 0.0134% | 4,143 |
| Net operating income to assets | 0.9360% | 2,683 |
| Return on assets (ROA) | 0.9360% | 2,763 |
| Pretax return on assets | 1.3818% | 1,972 |
| Return on Equity (ROE) | 8.1004% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.1004% | 881 |
| Net charge-offs to loans | -0.0201% | 5,268 |
| Credit loss provision to net charge-offs | -193.7500% | 5,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0219% | 5,632 |
| Assets per employee ($millions) | 7.2320% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 4,268 |
| Loan loss allowance to noncurrent loans | 114.2091% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 4,252 |
| Noncurrent loans to loans | 0.9266% | 2,483 |
| Net loans and leases to total assets | 35.5292% | 5,724 |
| Net loans and leases to deposits | 40.6066% | 5,755 |
| Net loans and leases to core deposits | 45.8380% | 5,656 |
| Total domestic deposits to total assets | 87.4960% | 1,883 |
| Equity capital to assets | 12.3487% | 1,704 |
| Core capital (leverage) ratio | 11.8640% | 1,713 |
| Tier 1 risk-based capital ratio | 32.9083% | 400 |
| Total risk-based capital ratio | 33.9381% | 394 |
| Memoranda: | ||
| Average total assets | $232,157,400 | 2,647 |
| Average earning assets | $218,683,200 | 2,600 |
| Average equity | $26,825,800 | 2,566 |
| Average total loans | $79,587,200 | 3,839 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2700% | 5,461 |
| Cost of funding earning assets | 0.4855% | 2,361 |
| Net interest margin | 2.7845% | 5,609 |
| Noninterest income to average assets | 0.2528% | 5,131 |
| Noninterest expense to average assets | 1.4879% | 6,051 |
| Loan and lease loss provision to assets | 0.0034% | 4,189 |
| Net operating income to assets | 0.9925% | 2,506 |
| Return on assets (ROA) | 0.9925% | 2,591 |
| Pretax return on assets | 1.3809% | 2,095 |
| Return on Equity (ROE) | 8.7330% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.7330% | 993 |
| Net charge-offs to loans | -0.0252% | 5,277 |
| Credit loss provision to net charge-offs | -40.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8041% | 5,665 |
| Assets per employee ($millions) | 7.7403% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 4,660 |
| Loan loss allowance to noncurrent loans | 1,145.8333% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 5,664 |
| Noncurrent loans to loans | 0.0887% | 5,273 |
| Net loans and leases to total assets | 34.5951% | 5,837 |
| Net loans and leases to deposits | 40.1113% | 5,859 |
| Net loans and leases to core deposits | 44.6302% | 5,772 |
| Total domestic deposits to total assets | 86.2477% | 2,414 |
| Equity capital to assets | 11.9013% | 2,178 |
| Core capital (leverage) ratio | 11.5126% | 2,024 |
| Tier 1 risk-based capital ratio | 27.2395% | 669 |
| Total risk-based capital ratio | 28.0814% | 680 |
| Memoranda: | ||
| Average total assets | $234,148,500 | 2,645 |
| Average earning assets | $220,262,250 | 2,604 |
| Average equity | $26,611,000 | 2,595 |
| Average total loans | $79,357,500 | 3,882 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2632% | 5,508 |
| Cost of funding earning assets | 0.4930% | 2,316 |
| Net interest margin | 2.7702% | 5,674 |
| Noninterest income to average assets | 0.2470% | 5,185 |
| Noninterest expense to average assets | 1.4736% | 6,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9847% | 2,476 |
| Return on assets (ROA) | 0.9847% | 2,583 |
| Pretax return on assets | 1.3723% | 2,098 |
| Return on Equity (ROE) | 8.8011% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.8011% | 989 |
| Net charge-offs to loans | -0.0356% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7809% | 5,731 |
| Assets per employee ($millions) | 7.7724% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 4,678 |
| Loan loss allowance to noncurrent loans | 9,100.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,897 |
| Noncurrent loans to loans | 0.0114% | 5,719 |
| Net loans and leases to total assets | 33.5443% | 5,923 |
| Net loans and leases to deposits | 38.4386% | 5,961 |
| Net loans and leases to core deposits | 43.7418% | 5,840 |
| Total domestic deposits to total assets | 87.2673% | 2,029 |
| Equity capital to assets | 11.4186% | 2,482 |
| Core capital (leverage) ratio | 11.0412% | 2,384 |
| Tier 1 risk-based capital ratio | 27.7121% | 663 |
| Total risk-based capital ratio | 28.5816% | 670 |
| Memoranda: | ||
| Average total assets | $234,795,000 | 2,665 |
| Average earning assets | $220,274,670 | 2,622 |
| Average equity | $26,269,330 | 2,637 |
| Average total loans | $78,757,330 | 3,926 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,532 |
| Cost of funding earning assets | 0.4902% | 2,381 |
| Net interest margin | 2.7699% | 5,703 |
| Noninterest income to average assets | 0.2462% | 5,199 |
| Noninterest expense to average assets | 1.4686% | 6,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9728% | 2,378 |
| Return on assets (ROA) | 0.9728% | 2,514 |
| Pretax return on assets | 1.3582% | 2,041 |
| Return on Equity (ROE) | 8.7845% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.7845% | 1,271 |
| Net charge-offs to loans | -0.0661% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9520% | 5,811 |
| Assets per employee ($millions) | 8.0519% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,027 |
| Loan loss allowance to noncurrent loans | 7,436.3636% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 5,947 |
| Noncurrent loans to loans | 0.0134% | 5,749 |
| Net loans and leases to total assets | 33.5378% | 5,938 |
| Net loans and leases to deposits | 37.9161% | 5,992 |
| Net loans and leases to core deposits | 43.0929% | 5,865 |
| Total domestic deposits to total assets | 88.4528% | 1,566 |
| Equity capital to assets | 10.9746% | 3,001 |
| Core capital (leverage) ratio | 10.8701% | 2,551 |
| Tier 1 risk-based capital ratio | 25.8976% | 796 |
| Total risk-based capital ratio | 26.7276% | 818 |
| Memoranda: | ||
| Average total assets | $235,606,500 | 2,671 |
| Average earning assets | $219,504,000 | 2,645 |
| Average equity | $26,091,500 | 2,668 |
| Average total loans | $78,618,500 | 3,944 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3970% | 5,536 |
| Cost of funding earning assets | 0.5558% | 2,166 |
| Net interest margin | 2.8412% | 5,746 |
| Noninterest income to average assets | 0.3003% | 4,976 |
| Noninterest expense to average assets | 1.5275% | 6,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0405% | 2,210 |
| Return on assets (ROA) | 1.0405% | 2,286 |
| Pretax return on assets | 1.4323% | 1,777 |
| Return on Equity (ROE) | 9.1386% | 2,523 |
| Retained earnings to average equity (ytd only) | 5.1790% | 2,479 |
| Net charge-offs to loans | -0.0126% | 5,603 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6070% | 6,006 |
| Assets per employee ($millions) | 7.6552% | 617 |
| Cash dividends to net income (ytd only)* | 43.3276% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 4,715 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,063 |
| Noncurrent loans to loans | 0.0199% | 5,812 |
| Net loans and leases to total assets | 32.4838% | 6,099 |
| Net loans and leases to deposits | 36.7223% | 6,145 |
| Net loans and leases to core deposits | 40.5246% | 6,083 |
| Total domestic deposits to total assets | 88.4580% | 1,541 |
| Equity capital to assets | 11.1789% | 2,721 |
| Core capital (leverage) ratio | 10.9791% | 2,430 |
| Tier 1 risk-based capital ratio | 26.9994% | 686 |
| Total risk-based capital ratio | 27.8706% | 697 |
| Memoranda: | ||
| Average total assets | $221,805,800 | 2,761 |
| Average earning assets | $207,622,200 | 2,729 |
| Average equity | $25,255,600 | 2,637 |
| Average total loans | $71,602,200 | 4,133 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,588 |
| Cost of funding earning assets | 0.5686% | 2,115 |
| Net interest margin | 2.8361% | 5,811 |
| Noninterest income to average assets | 0.3136% | 4,934 |
| Noninterest expense to average assets | 1.5247% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0395% | 2,283 |
| Return on assets (ROA) | 1.0395% | 2,343 |
| Pretax return on assets | 1.4507% | 1,802 |
| Return on Equity (ROE) | 9.0861% | 2,636 |
| Retained earnings to average equity (ytd only) | 9.0861% | 965 |
| Net charge-offs to loans | -0.0132% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2434% | 6,041 |
| Assets per employee ($millions) | 7.7770% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 4,669 |
| Loan loss allowance to noncurrent loans | 4,461.1111% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 6,165 |
| Noncurrent loans to loans | 0.0250% | 5,922 |
| Net loans and leases to total assets | 31.5082% | 6,203 |
| Net loans and leases to deposits | 35.7911% | 6,251 |
| Net loans and leases to core deposits | 37.5789% | 6,250 |
| Total domestic deposits to total assets | 88.0336% | 1,746 |
| Equity capital to assets | 11.4782% | 2,503 |
| Core capital (leverage) ratio | 11.4220% | 2,123 |
| Tier 1 risk-based capital ratio | 28.5632% | 606 |
| Total risk-based capital ratio | 29.4667% | 614 |
| Memoranda: | ||
| Average total assets | $219,843,250 | 2,803 |
| Average earning assets | $206,337,250 | 2,761 |
| Average equity | $25,151,250 | 2,659 |
| Average total loans | $70,651,250 | 4,196 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 5,623 |
| Cost of funding earning assets | 0.5830% | 2,050 |
| Net interest margin | 2.8135% | 5,877 |
| Noninterest income to average assets | 0.3404% | 4,702 |
| Noninterest expense to average assets | 1.5206% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0636% | 2,062 |
| Return on assets (ROA) | 1.0636% | 2,140 |
| Pretax return on assets | 1.4591% | 1,678 |
| Return on Equity (ROE) | 9.3070% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.3070% | 883 |
| Net charge-offs to loans | -0.0114% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0317% | 6,122 |
| Assets per employee ($millions) | 7.0303% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1153% | 4,837 |
| Loan loss allowance to noncurrent loans | 3,809.5238% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 6,220 |
| Noncurrent loans to loans | 0.0293% | 5,975 |
| Net loans and leases to total assets | 32.5463% | 6,223 |
| Net loans and leases to deposits | 37.0647% | 6,263 |
| Net loans and leases to core deposits | 41.8006% | 6,156 |
| Total domestic deposits to total assets | 87.8094% | 2,030 |
| Equity capital to assets | 11.7092% | 2,234 |
| Core capital (leverage) ratio | 11.2180% | 2,230 |
| Tier 1 risk-based capital ratio | 28.4524% | 616 |
| Total risk-based capital ratio | 29.3703% | 623 |
| Memoranda: | ||
| Average total assets | $217,947,000 | 2,835 |
| Average earning assets | $204,446,330 | 2,791 |
| Average equity | $24,906,000 | 2,670 |
| Average total loans | $70,247,000 | 4,226 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3696% | 5,713 |
| Cost of funding earning assets | 0.5969% | 1,996 |
| Net interest margin | 2.7726% | 5,990 |
| Noninterest income to average assets | 0.2239% | 5,561 |
| Noninterest expense to average assets | 1.4756% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9782% | 2,289 |
| Return on assets (ROA) | 0.9782% | 2,350 |
| Pretax return on assets | 1.3398% | 1,958 |
| Return on Equity (ROE) | 8.6668% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.6668% | 1,353 |
| Net charge-offs to loans | -0.0115% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4120% | 6,111 |
| Assets per employee ($millions) | 7.5333% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 4,906 |
| Loan loss allowance to noncurrent loans | 3,627.2727% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,301 |
| Noncurrent loans to loans | 0.0315% | 6,057 |
| Net loans and leases to total assets | 30.5439% | 6,329 |
| Net loans and leases to deposits | 34.5831% | 6,357 |
| Net loans and leases to core deposits | 39.2621% | 6,264 |
| Total domestic deposits to total assets | 88.3203% | 2,042 |
| Equity capital to assets | 11.1000% | 2,629 |
| Core capital (leverage) ratio | 11.1023% | 2,299 |
| Tier 1 risk-based capital ratio | 27.5733% | 674 |
| Total risk-based capital ratio | 28.4836% | 683 |
| Memoranda: | ||
| Average total assets | $217,951,000 | 2,851 |
| Average earning assets | $203,706,000 | 2,813 |
| Average equity | $24,599,500 | 2,682 |
| Average total loans | $69,505,000 | 4,276 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5583% | 5,512 |
| Cost of funding earning assets | 0.6382% | 2,307 |
| Net interest margin | 2.9200% | 5,750 |
| Noninterest income to average assets | 0.4131% | 4,355 |
| Noninterest expense to average assets | 1.7076% | 6,432 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0409% | 2,151 |
| Return on assets (ROA) | 1.0608% | 2,155 |
| Pretax return on assets | 1.4779% | 1,518 |
| Return on Equity (ROE) | 8.6531% | 2,726 |
| Retained earnings to average equity (ytd only) | 6.5987% | 1,625 |
| Net charge-offs to loans | -0.0156% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0756% | 6,131 |
| Assets per employee ($millions) | 6.9968% | 773 |
| Cash dividends to net income (ytd only)* | 23.7417% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 4,911 |
| Loan loss allowance to noncurrent loans | 1,349.1525% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 6,306 |
| Noncurrent loans to loans | 0.0853% | 5,959 |
| Net loans and leases to total assets | 32.5803% | 6,358 |
| Net loans and leases to deposits | 36.9506% | 6,403 |
| Net loans and leases to core deposits | 41.0144% | 6,330 |
| Total domestic deposits to total assets | 88.1726% | 2,075 |
| Equity capital to assets | 11.4877% | 2,175 |
| Core capital (leverage) ratio | 11.4647% | 1,989 |
| Tier 1 risk-based capital ratio | 28.1925% | 596 |
| Total risk-based capital ratio | 29.1418% | 597 |
| Memoranda: | ||
| Average total assets | $198,520,600 | 3,048 |
| Average earning assets | $186,606,600 | 3,004 |
| Average equity | $24,338,000 | 2,702 |
| Average total loans | $70,725,000 | 4,239 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 5,493 |
| Cost of funding earning assets | 0.6482% | 2,374 |
| Net interest margin | 2.9336% | 5,731 |
| Noninterest income to average assets | 0.4756% | 3,968 |
| Noninterest expense to average assets | 1.7498% | 6,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0452% | 2,203 |
| Return on assets (ROA) | 1.0718% | 2,194 |
| Pretax return on assets | 1.5202% | 1,546 |
| Return on Equity (ROE) | 8.5974% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.5974% | 1,199 |
| Net charge-offs to loans | -0.0150% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1315% | 6,092 |
| Assets per employee ($millions) | 6.7633% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,035 |
| Loan loss allowance to noncurrent loans | 2,731.0345% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 6,459 |
| Noncurrent loans to loans | 0.0427% | 6,217 |
| Net loans and leases to total assets | 33.0460% | 6,406 |
| Net loans and leases to deposits | 37.8124% | 6,454 |
| Net loans and leases to core deposits | 39.1853% | 6,473 |
| Total domestic deposits to total assets | 87.3947% | 2,463 |
| Equity capital to assets | 11.9902% | 1,924 |
| Core capital (leverage) ratio | 11.8847% | 1,746 |
| Tier 1 risk-based capital ratio | 28.9694% | 569 |
| Total risk-based capital ratio | 29.9413% | 571 |
| Memoranda: | ||
| Average total assets | $195,675,000 | 3,101 |
| Average earning assets | $183,888,250 | 3,056 |
| Average equity | $24,394,250 | 2,715 |
| Average total loans | $71,110,500 | 4,258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 5,373 |
| Cost of funding earning assets | 0.6591% | 2,413 |
| Net interest margin | 2.9598% | 5,675 |
| Noninterest income to average assets | 0.5992% | 3,198 |
| Noninterest expense to average assets | 1.8337% | 6,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0895% | 1,957 |
| Return on assets (ROA) | 1.1300% | 1,933 |
| Pretax return on assets | 1.6071% | 1,354 |
| Return on Equity (ROE) | 8.9448% | 2,633 |
| Retained earnings to average equity (ytd only) | 8.9448% | 1,144 |
| Net charge-offs to loans | -0.0139% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2062% | 6,132 |
| Assets per employee ($millions) | 6.5105% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 5,466 |
| Loan loss allowance to noncurrent loans | 2,320.5882% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 6,489 |
| Noncurrent loans to loans | 0.0472% | 6,247 |
| Net loans and leases to total assets | 36.4625% | 6,272 |
| Net loans and leases to deposits | 41.9766% | 6,331 |
| Net loans and leases to core deposits | 46.6245% | 6,204 |
| Total domestic deposits to total assets | 86.8639% | 2,902 |
| Equity capital to assets | 12.3881% | 1,645 |
| Core capital (leverage) ratio | 11.9137% | 1,662 |
| Tier 1 risk-based capital ratio | 27.1524% | 682 |
| Total risk-based capital ratio | 28.0788% | 696 |
| Memoranda: | ||
| Average total assets | $193,267,000 | 3,148 |
| Average earning assets | $181,767,000 | 3,096 |
| Average equity | $24,416,330 | 2,728 |
| Average total loans | $72,200,000 | 4,235 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6046% | 5,442 |
| Cost of funding earning assets | 0.6659% | 2,518 |
| Net interest margin | 2.9387% | 5,731 |
| Noninterest income to average assets | 0.2955% | 5,342 |
| Noninterest expense to average assets | 1.6417% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0508% | 2,033 |
| Return on assets (ROA) | 1.0508% | 2,142 |
| Pretax return on assets | 1.4086% | 1,825 |
| Return on Equity (ROE) | 8.2360% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.2360% | 1,671 |
| Net charge-offs to loans | -0.0111% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8199% | 6,245 |
| Assets per employee ($millions) | 6.5705% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,586 |
| Loan loss allowance to noncurrent loans | 2,248.5714% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 4,434 |
| Noncurrent loans to loans | 0.0492% | 6,336 |
| Net loans and leases to total assets | 35.7094% | 6,320 |
| Net loans and leases to deposits | 41.2495% | 6,363 |
| Net loans and leases to core deposits | 45.8515% | 6,217 |
| Total domestic deposits to total assets | 86.5693% | 3,200 |
| Equity capital to assets | 12.5038% | 1,709 |
| Core capital (leverage) ratio | 11.8189% | 1,671 |
| Tier 1 risk-based capital ratio | 27.2978% | 681 |
| Total risk-based capital ratio | 28.2510% | 695 |
| Memoranda: | ||
| Average total assets | $192,242,500 | 3,193 |
| Average earning assets | $180,214,500 | 3,140 |
| Average equity | $24,526,500 | 2,757 |
| Average total loans | $72,297,000 | 4,259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 5,824 |
| Cost of funding earning assets | 0.7210% | 3,316 |
| Net interest margin | 3.0761% | 5,868 |
| Noninterest income to average assets | 0.2672% | 5,548 |
| Noninterest expense to average assets | 1.7242% | 6,701 |
| Loan and lease loss provision to assets | 0.0137% | 5,738 |
| Net operating income to assets | 1.0706% | 2,053 |
| Return on assets (ROA) | 1.0706% | 2,240 |
| Pretax return on assets | 1.4788% | 1,744 |
| Return on Equity (ROE) | 8.3325% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.3325% | 1,020 |
| Net charge-offs to loans | 0.0411% | 5,344 |
| Credit loss provision to net charge-offs | 89.2857% | 3,504 |
| Earnings coverage of net charge-offs (x) | 97.5357% | 393 |
| Efficiency ratio | 53.6018% | 6,306 |
| Assets per employee ($millions) | 6.2456% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,686 |
| Loan loss allowance to noncurrent loans | 51.0749% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 4,426 |
| Noncurrent loans to loans | 2.0908% | 2,588 |
| Net loans and leases to total assets | 38.7652% | 6,249 |
| Net loans and leases to deposits | 45.0259% | 6,303 |
| Net loans and leases to core deposits | 50.8823% | 6,096 |
| Total domestic deposits to total assets | 86.0954% | 3,305 |
| Equity capital to assets | 13.0256% | 1,441 |
| Core capital (leverage) ratio | 11.8899% | 1,624 |
| Tier 1 risk-based capital ratio | 26.7407% | 710 |
| Total risk-based capital ratio | 27.6934% | 723 |
| Memoranda: | ||
| Average total assets | $182,985,600 | 3,274 |
| Average earning assets | $175,450,000 | 3,154 |
| Average equity | $23,510,400 | 2,800 |
| Average total loans | $68,093,400 | 4,421 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 5,932 |
| Cost of funding earning assets | 0.7311% | 3,507 |
| Net interest margin | 3.1073% | 5,928 |
| Noninterest income to average assets | 0.2683% | 5,636 |
| Noninterest expense to average assets | 1.7226% | 6,765 |
| Loan and lease loss provision to assets | 0.0183% | 5,574 |
| Net operating income to assets | 1.1538% | 1,889 |
| Return on assets (ROA) | 1.1538% | 2,086 |
| Pretax return on assets | 1.5181% | 1,813 |
| Return on Equity (ROE) | 9.0121% | 2,797 |
| Retained earnings to average equity (ytd only) | 9.0121% | 1,226 |
| Net charge-offs to loans | 0.0599% | 4,826 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 69.8650% | 588 |
| Efficiency ratio | 52.8565% | 6,369 |
| Assets per employee ($millions) | 6.1643% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 5,494 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 6,705 |
| Noncurrent loans to loans | 0.0680% | 6,446 |
| Net loans and leases to total assets | 36.1731% | 6,538 |
| Net loans and leases to deposits | 42.1957% | 6,587 |
| Net loans and leases to core deposits | 46.3920% | 6,496 |
| Total domestic deposits to total assets | 85.7270% | 3,397 |
| Equity capital to assets | 13.1012% | 1,547 |
| Core capital (leverage) ratio | 11.8979% | 1,721 |
| Tier 1 risk-based capital ratio | 28.0434% | 655 |
| Total risk-based capital ratio | 29.0565% | 661 |
| Memoranda: | ||
| Average total assets | $181,889,750 | 3,313 |
| Average earning assets | $175,067,500 | 3,196 |
| Average equity | $23,286,500 | 2,851 |
| Average total loans | $66,762,250 | 4,514 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 6,017 |
| Cost of funding earning assets | 0.7474% | 3,622 |
| Net interest margin | 3.1099% | 5,973 |
| Noninterest income to average assets | 0.2632% | 5,698 |
| Noninterest expense to average assets | 1.7382% | 6,810 |
| Loan and lease loss provision to assets | 0.0276% | 5,322 |
| Net operating income to assets | 1.1201% | 1,977 |
| Return on assets (ROA) | 1.1201% | 2,193 |
| Pretax return on assets | 1.5016% | 1,842 |
| Return on Equity (ROE) | 8.8192% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.8192% | 1,336 |
| Net charge-offs to loans | 0.0813% | 4,331 |
| Credit loss provision to net charge-offs | 92.5926% | 2,963 |
| Earnings coverage of net charge-offs (x) | 51.2222% | 717 |
| Efficiency ratio | 53.1980% | 6,396 |
| Assets per employee ($millions) | 6.0336% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,466 |
| Loan loss allowance to noncurrent loans | 415.8730% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 6,534 |
| Noncurrent loans to loans | 0.2822% | 6,008 |
| Net loans and leases to total assets | 36.5711% | 6,577 |
| Net loans and leases to deposits | 42.6096% | 6,620 |
| Net loans and leases to core deposits | 46.5560% | 6,547 |
| Total domestic deposits to total assets | 85.8283% | 3,438 |
| Equity capital to assets | 13.0529% | 1,491 |
| Core capital (leverage) ratio | 11.7132% | 1,777 |
| Tier 1 risk-based capital ratio | 27.7417% | 666 |
| Total risk-based capital ratio | 28.7744% | 671 |
| Memoranda: | ||
| Average total assets | $180,876,330 | 3,340 |
| Average earning assets | $174,733,000 | 3,207 |
| Average equity | $22,972,670 | 2,856 |
| Average total loans | $66,457,330 | 4,545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 6,033 |
| Cost of funding earning assets | 0.7734% | 3,674 |
| Net interest margin | 3.1189% | 5,985 |
| Noninterest income to average assets | 0.2500% | 5,857 |
| Noninterest expense to average assets | 1.7300% | 6,872 |
| Loan and lease loss provision to assets | 0.0221% | 5,058 |
| Net operating income to assets | 1.0884% | 2,147 |
| Return on assets (ROA) | 1.0884% | 2,327 |
| Pretax return on assets | 1.5132% | 1,839 |
| Return on Equity (ROE) | 8.6905% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.6905% | 1,700 |
| Net charge-offs to loans | -0.0121% | 6,006 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9810% | 6,439 |
| Assets per employee ($millions) | 6.0446% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 5,296 |
| Loan loss allowance to noncurrent loans | 753.7736% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 6,748 |
| Noncurrent loans to loans | 0.1649% | 6,351 |
| Net loans and leases to total assets | 35.0167% | 6,688 |
| Net loans and leases to deposits | 40.5434% | 6,713 |
| Net loans and leases to core deposits | 42.4036% | 6,728 |
| Total domestic deposits to total assets | 86.3686% | 3,323 |
| Equity capital to assets | 12.5836% | 1,667 |
| Core capital (leverage) ratio | 11.4786% | 1,906 |
| Tier 1 risk-based capital ratio | 27.9068% | 648 |
| Total risk-based capital ratio | 28.9909% | 648 |
| Memoranda: | ||
| Average total assets | $180,810,000 | 3,364 |
| Average earning assets | $174,804,500 | 3,225 |
| Average equity | $22,645,500 | 2,892 |
| Average total loans | $66,194,500 | 4,580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 6,376 |
| Cost of funding earning assets | 0.9011% | 4,109 |
| Net interest margin | 3.1429% | 6,240 |
| Noninterest income to average assets | 0.2691% | 5,599 |
| Noninterest expense to average assets | 1.8736% | 6,861 |
| Loan and lease loss provision to assets | 0.0550% | 5,908 |
| Net operating income to assets | 1.0126% | 2,158 |
| Return on assets (ROA) | 1.0126% | 2,301 |
| Pretax return on assets | 1.3719% | 1,871 |
| Return on Equity (ROE) | 8.3075% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.3075% | 984 |
| Net charge-offs to loans | 0.0790% | 5,533 |
| Credit loss provision to net charge-offs | 193.8776% | 1,311 |
| Earnings coverage of net charge-offs (x) | 50.3265% | 556 |
| Efficiency ratio | 56.7672% | 6,217 |
| Assets per employee ($millions) | 6.0094% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 5,597 |
| Loan loss allowance to noncurrent loans | 202.3136% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 6,420 |
| Noncurrent loans to loans | 0.5713% | 5,568 |
| Net loans and leases to total assets | 37.3328% | 6,676 |
| Net loans and leases to deposits | 43.1242% | 6,752 |
| Net loans and leases to core deposits | 47.6401% | 6,660 |
| Total domestic deposits to total assets | 86.5704% | 2,997 |
| Equity capital to assets | 12.4650% | 1,818 |
| Core capital (leverage) ratio | 11.4027% | 1,965 |
| Tier 1 risk-based capital ratio | 25.8389% | 793 |
| Total risk-based capital ratio | 26.8519% | 790 |
| Memoranda: | ||
| Average total assets | $172,820,200 | 3,446 |
| Average earning assets | $166,691,400 | 3,299 |
| Average equity | $21,065,400 | 3,002 |
| Average total loans | $62,053,800 | 4,790 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 6,479 |
| Cost of funding earning assets | 0.9301% | 4,196 |
| Net interest margin | 3.1371% | 6,326 |
| Noninterest income to average assets | 0.2667% | 5,708 |
| Noninterest expense to average assets | 1.9467% | 6,790 |
| Loan and lease loss provision to assets | 0.0741% | 5,522 |
| Net operating income to assets | 0.9328% | 2,606 |
| Return on assets (ROA) | 0.9328% | 2,765 |
| Pretax return on assets | 1.2713% | 2,395 |
| Return on Equity (ROE) | 7.6984% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.6984% | 1,625 |
| Net charge-offs to loans | 0.2466% | 3,887 |
| Credit loss provision to net charge-offs | 84.8214% | 3,966 |
| Earnings coverage of net charge-offs (x) | 15.4017% | 1,468 |
| Efficiency ratio | 59.1329% | 5,846 |
| Assets per employee ($millions) | 5.8796% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 5,512 |
| Loan loss allowance to noncurrent loans | 149.6894% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 6,380 |
| Noncurrent loans to loans | 0.7954% | 5,283 |
| Net loans and leases to total assets | 34.0180% | 6,952 |
| Net loans and leases to deposits | 39.4535% | 6,993 |
| Net loans and leases to core deposits | 41.2722% | 6,999 |
| Total domestic deposits to total assets | 86.2231% | 3,079 |
| Equity capital to assets | 12.6448% | 1,825 |
| Core capital (leverage) ratio | 11.2056% | 2,228 |
| Tier 1 risk-based capital ratio | 27.7185% | 680 |
| Total risk-based capital ratio | 28.7451% | 683 |
| Memoranda: | ||
| Average total assets | $170,955,000 | 3,501 |
| Average earning assets | $164,860,750 | 3,337 |
| Average equity | $20,713,750 | 3,051 |
| Average total loans | $60,544,500 | 4,887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 6,504 |
| Cost of funding earning assets | 0.9606% | 4,246 |
| Net interest margin | 3.1326% | 6,330 |
| Noninterest income to average assets | 0.2684% | 5,727 |
| Noninterest expense to average assets | 1.9333% | 6,900 |
| Loan and lease loss provision to assets | 0.1064% | 4,973 |
| Net operating income to assets | 0.9046% | 2,616 |
| Return on assets (ROA) | 0.9046% | 2,723 |
| Pretax return on assets | 1.2557% | 2,281 |
| Return on Equity (ROE) | 7.5804% | 3,152 |
| Retained earnings to average equity (ytd only) | 7.5804% | 1,626 |
| Net charge-offs to loans | 0.4497% | 2,778 |
| Credit loss provision to net charge-offs | 66.1765% | 4,166 |
| Earnings coverage of net charge-offs (x) | 8.4706% | 2,051 |
| Efficiency ratio | 58.6652% | 6,077 |
| Assets per employee ($millions) | 5.2942% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 5,745 |
| Loan loss allowance to noncurrent loans | 834.9398% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 6,389 |
| Noncurrent loans to loans | 0.1382% | 6,632 |
| Net loans and leases to total assets | 33.9708% | 7,046 |
| Net loans and leases to deposits | 39.0224% | 7,094 |
| Net loans and leases to core deposits | 42.7930% | 7,047 |
| Total domestic deposits to total assets | 87.0545% | 2,712 |
| Equity capital to assets | 12.0332% | 2,065 |
| Core capital (leverage) ratio | 11.1803% | 2,128 |
| Tier 1 risk-based capital ratio | 27.0190% | 723 |
| Total risk-based capital ratio | 27.9998% | 728 |
| Memoranda: | ||
| Average total assets | $169,143,670 | 3,555 |
| Average earning assets | $163,444,330 | 3,381 |
| Average equity | $20,183,670 | 3,097 |
| Average total loans | $60,483,670 | 4,936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 6,398 |
| Cost of funding earning assets | 1.0029% | 4,183 |
| Net interest margin | 3.1457% | 6,228 |
| Noninterest income to average assets | 0.2164% | 6,185 |
| Noninterest expense to average assets | 1.8947% | 6,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9906% | 2,212 |
| Return on assets (ROA) | 0.9906% | 2,269 |
| Pretax return on assets | 1.3609% | 1,842 |
| Return on Equity (ROE) | 8.3384% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.3384% | 1,607 |
| Net charge-offs to loans | -0.0198% | 6,568 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1979% | 6,245 |
| Assets per employee ($millions) | 5.1103% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,509 |
| Loan loss allowance to noncurrent loans | 314.4068% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 6,206 |
| Noncurrent loans to loans | 0.3891% | 6,214 |
| Net loans and leases to total assets | 35.5286% | 7,022 |
| Net loans and leases to deposits | 40.6749% | 7,069 |
| Net loans and leases to core deposits | 45.2872% | 7,000 |
| Total domestic deposits to total assets | 87.3475% | 2,741 |
| Equity capital to assets | 11.8804% | 1,993 |
| Core capital (leverage) ratio | 11.2862% | 1,964 |
| Tier 1 risk-based capital ratio | 26.9908% | 708 |
| Total risk-based capital ratio | 28.0596% | 705 |
| Memoranda: | ||
| Average total assets | $166,361,000 | 3,615 |
| Average earning assets | $160,726,000 | 3,448 |
| Average equity | $19,764,000 | 3,151 |
| Average total loans | $60,704,000 | 4,975 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 6,147 |
| Cost of funding earning assets | 1.2487% | 4,225 |
| Net interest margin | 3.3394% | 5,837 |
| Noninterest income to average assets | 0.2581% | 5,954 |
| Noninterest expense to average assets | 2.0220% | 6,984 |
| Loan and lease loss provision to assets | 0.0134% | 6,963 |
| Net operating income to assets | 1.0742% | 1,780 |
| Return on assets (ROA) | 1.0742% | 1,877 |
| Pretax return on assets | 1.4352% | 1,548 |
| Return on Equity (ROE) | 8.3339% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.3339% | 879 |
| Net charge-offs to loans | -0.0185% | 7,361 |
| Credit loss provision to net charge-offs | -181.8182% | 7,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2607% | 6,313 |
| Assets per employee ($millions) | 4.9722% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 5,424 |
| Loan loss allowance to noncurrent loans | 282.4427% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 6,212 |
| Noncurrent loans to loans | 0.4313% | 6,182 |
| Net loans and leases to total assets | 36.5736% | 7,134 |
| Net loans and leases to deposits | 41.7916% | 7,192 |
| Net loans and leases to core deposits | 46.4715% | 7,125 |
| Total domestic deposits to total assets | 87.5142% | 2,539 |
| Equity capital to assets | 11.8800% | 1,982 |
| Core capital (leverage) ratio | 11.2092% | 2,006 |
| Tier 1 risk-based capital ratio | 26.6198% | 692 |
| Total risk-based capital ratio | 27.6948% | 699 |
| Memoranda: | ||
| Average total assets | $148,763,400 | 3,892 |
| Average earning assets | $143,110,400 | 3,758 |
| Average equity | $19,174,600 | 3,260 |
| Average total loans | $59,565,000 | 5,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6746% | 6,109 |
| Cost of funding earning assets | 1.3061% | 4,175 |
| Net interest margin | 3.3685% | 5,784 |
| Noninterest income to average assets | 0.2631% | 6,014 |
| Noninterest expense to average assets | 2.0910% | 6,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0230% | 2,165 |
| Return on assets (ROA) | 1.0230% | 2,276 |
| Pretax return on assets | 1.4084% | 1,856 |
| Return on Equity (ROE) | 7.7645% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.7645% | 1,500 |
| Net charge-offs to loans | 0.0202% | 6,389 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 170.1067% | 192 |
| Efficiency ratio | 59.7529% | 5,991 |
| Assets per employee ($millions) | 4.5917% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,601 |
| Loan loss allowance to noncurrent loans | 246.4789% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 6,236 |
| Noncurrent loans to loans | 0.4779% | 6,237 |
| Net loans and leases to total assets | 38.7581% | 7,145 |
| Net loans and leases to deposits | 45.3065% | 7,191 |
| Net loans and leases to core deposits | 46.5778% | 7,249 |
| Total domestic deposits to total assets | 85.5465% | 3,321 |
| Equity capital to assets | 13.2735% | 1,462 |
| Core capital (leverage) ratio | 12.1460% | 1,586 |
| Tier 1 risk-based capital ratio | 27.4400% | 665 |
| Total risk-based capital ratio | 28.5167% | 668 |
| Memoranda: | ||
| Average total assets | $144,933,500 | 4,021 |
| Average earning assets | $139,245,750 | 3,886 |
| Average equity | $19,095,000 | 3,305 |
| Average total loans | $59,268,500 | 5,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 6,016 |
| Cost of funding earning assets | 1.3676% | 4,075 |
| Net interest margin | 3.3700% | 5,756 |
| Noninterest income to average assets | 0.2746% | 5,953 |
| Noninterest expense to average assets | 2.0850% | 6,954 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0131% | 2,148 |
| Return on assets (ROA) | 1.0131% | 2,218 |
| Pretax return on assets | 1.4250% | 1,767 |
| Return on Equity (ROE) | 7.7097% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.7097% | 1,546 |
| Net charge-offs to loans | -0.0203% | 7,287 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4012% | 6,160 |
| Assets per employee ($millions) | 4.4701% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,486 |
| Loan loss allowance to noncurrent loans | 234.4262% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 6,167 |
| Noncurrent loans to loans | 0.5095% | 6,234 |
| Net loans and leases to total assets | 41.3523% | 7,076 |
| Net loans and leases to deposits | 48.3501% | 7,150 |
| Net loans and leases to core deposits | 51.4356% | 7,159 |
| Total domestic deposits to total assets | 85.5268% | 3,359 |
| Equity capital to assets | 13.4350% | 1,375 |
| Core capital (leverage) ratio | 12.2978% | 1,496 |
| Tier 1 risk-based capital ratio | 27.3324% | 675 |
| Total risk-based capital ratio | 28.4524% | 670 |
| Memoranda: | ||
| Average total assets | $142,735,670 | 4,077 |
| Average earning assets | $137,032,330 | 3,953 |
| Average equity | $18,755,670 | 3,341 |
| Average total loans | $59,215,000 | 5,218 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 6,047 |
| Cost of funding earning assets | 1.4078% | 4,126 |
| Net interest margin | 3.3482% | 5,795 |
| Noninterest income to average assets | 0.2777% | 5,924 |
| Noninterest expense to average assets | 2.0732% | 7,006 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9791% | 2,265 |
| Return on assets (ROA) | 0.9791% | 2,323 |
| Pretax return on assets | 1.4139% | 1,733 |
| Return on Equity (ROE) | 7.5360% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.5360% | 1,906 |
| Net charge-offs to loans | -0.0204% | 7,082 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4529% | 6,267 |
| Assets per employee ($millions) | 4.5116% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 5,420 |
| Loan loss allowance to noncurrent loans | 201.6997% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 5,978 |
| Noncurrent loans to loans | 0.6031% | 6,098 |
| Net loans and leases to total assets | 40.0485% | 7,247 |
| Net loans and leases to deposits | 46.5643% | 7,305 |
| Net loans and leases to core deposits | 46.6609% | 7,407 |
| Total domestic deposits to total assets | 86.0068% | 3,150 |
| Equity capital to assets | 12.9861% | 1,532 |
| Core capital (leverage) ratio | 12.0745% | 1,613 |
| Tier 1 risk-based capital ratio | 26.5215% | 737 |
| Total risk-based capital ratio | 27.6275% | 735 |
| Memoranda: | ||
| Average total assets | $142,581,500 | 4,146 |
| Average earning assets | $136,671,000 | 4,020 |
| Average equity | $18,524,500 | 3,393 |
| Average total loans | $58,889,000 | 5,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 5,752 |
| Cost of funding earning assets | 1.6237% | 4,916 |
| Net interest margin | 3.5550% | 4,725 |
| Noninterest income to average assets | 0.3387% | 5,669 |
| Noninterest expense to average assets | 2.1299% | 7,124 |
| Loan and lease loss provision to assets | 0.1306% | 6,327 |
| Net operating income to assets | 1.1004% | 1,509 |
| Return on assets (ROA) | 1.1004% | 1,548 |
| Pretax return on assets | 1.4592% | 1,289 |
| Return on Equity (ROE) | 7.9297% | 2,399 |
| Retained earnings to average equity (ytd only) | 0.4032% | 4,681 |
| Net charge-offs to loans | 0.1943% | 5,429 |
| Credit loss provision to net charge-offs | 156.2500% | 2,895 |
| Earnings coverage of net charge-offs (x) | 19.0268% | 1,103 |
| Efficiency ratio | 57.2603% | 6,871 |
| Assets per employee ($millions) | 4.3998% | 3,110 |
| Cash dividends to net income (ytd only)* | 94.9153% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,384 |
| Loan loss allowance to noncurrent loans | 201.9943% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 5,891 |
| Noncurrent loans to loans | 0.5924% | 6,055 |
| Net loans and leases to total assets | 41.5781% | 7,269 |
| Net loans and leases to deposits | 48.2716% | 7,346 |
| Net loans and leases to core deposits | 68.6489% | 6,841 |
| Total domestic deposits to total assets | 86.1335% | 2,942 |
| Equity capital to assets | 12.9985% | 1,505 |
| Core capital (leverage) ratio | 12.4324% | 1,481 |
| Tier 1 risk-based capital ratio | 26.1450% | 751 |
| Total risk-based capital ratio | 27.2533% | 747 |
| Memoranda: | ||
| Average total assets | $134,042,200 | 4,261 |
| Average earning assets | $127,483,600 | 4,144 |
| Average equity | $18,601,000 | 3,408 |
| Average total loans | $57,653,600 | 5,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 5,534 |
| Cost of funding earning assets | 1.6787% | 5,012 |
| Net interest margin | 3.5992% | 4,486 |
| Noninterest income to average assets | 0.3395% | 5,779 |
| Noninterest expense to average assets | 2.2001% | 6,974 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1202% | 1,674 |
| Return on assets (ROA) | 1.1202% | 1,741 |
| Pretax return on assets | 1.5584% | 1,269 |
| Return on Equity (ROE) | 7.9387% | 2,663 |
| Retained earnings to average equity (ytd only) | 7.9387% | 1,156 |
| Net charge-offs to loans | -0.0093% | 7,673 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5366% | 6,642 |
| Assets per employee ($millions) | 4.1730% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,741 |
| Loan loss allowance to noncurrent loans | 70.9607% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 5,771 |
| Noncurrent loans to loans | 1.5468% | 4,323 |
| Net loans and leases to total assets | 43.8593% | 7,255 |
| Net loans and leases to deposits | 52.0050% | 7,304 |
| Net loans and leases to core deposits | 73.8302% | 6,739 |
| Total domestic deposits to total assets | 84.3368% | 3,556 |
| Equity capital to assets | 14.5481% | 1,128 |
| Core capital (leverage) ratio | 13.6030% | 1,202 |
| Tier 1 risk-based capital ratio | 28.6738% | 638 |
| Total risk-based capital ratio | 29.7230% | 639 |
| Memoranda: | ||
| Average total assets | $132,354,500 | 4,311 |
| Average earning assets | $125,727,000 | 4,213 |
| Average equity | $18,676,000 | 3,422 |
| Average total loans | $57,255,000 | 5,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4346% | 4,972 |
| Cost of funding earning assets | 1.7505% | 5,006 |
| Net interest margin | 3.6840% | 4,022 |
| Noninterest income to average assets | 0.3637% | 5,602 |
| Noninterest expense to average assets | 2.1900% | 7,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1928% | 1,495 |
| Return on assets (ROA) | 1.1928% | 1,579 |
| Pretax return on assets | 1.6535% | 1,106 |
| Return on Equity (ROE) | 8.5424% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.5424% | 1,058 |
| Net charge-offs to loans | -0.0106% | 7,614 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9795% | 6,993 |
| Assets per employee ($millions) | 3.9283% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,214 |
| Loan loss allowance to noncurrent loans | 159.3137% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 6,673 |
| Noncurrent loans to loans | 0.7269% | 5,786 |
| Net loans and leases to total assets | 42.7966% | 7,404 |
| Net loans and leases to deposits | 50.4974% | 7,466 |
| Net loans and leases to core deposits | 69.3834% | 7,055 |
| Total domestic deposits to total assets | 84.7501% | 3,379 |
| Equity capital to assets | 14.3635% | 1,205 |
| Core capital (leverage) ratio | 13.3523% | 1,313 |
| Tier 1 risk-based capital ratio | 29.4782% | 632 |
| Total risk-based capital ratio | 30.5769% | 625 |
| Memoranda: | ||
| Average total assets | $131,960,670 | 4,354 |
| Average earning assets | $124,646,670 | 4,249 |
| Average equity | $18,425,670 | 3,484 |
| Average total loans | $56,600,670 | 5,487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4583% | 5,126 |
| Cost of funding earning assets | 1.7940% | 5,136 |
| Net interest margin | 3.6643% | 4,042 |
| Noninterest income to average assets | 0.4116% | 5,118 |
| Noninterest expense to average assets | 2.1424% | 7,027 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2349% | 1,543 |
| Return on assets (ROA) | 1.2349% | 1,656 |
| Pretax return on assets | 1.7307% | 1,118 |
| Return on Equity (ROE) | 8.9696% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.9696% | 1,491 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3142% | 7,069 |
| Assets per employee ($millions) | 4.0427% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,170 |
| Loan loss allowance to noncurrent loans | 144.7427% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 6,509 |
| Noncurrent loans to loans | 0.7897% | 5,469 |
| Net loans and leases to total assets | 41.9462% | 7,469 |
| Net loans and leases to deposits | 49.3967% | 7,522 |
| Net loans and leases to core deposits | 68.3940% | 7,116 |
| Total domestic deposits to total assets | 84.9171% | 3,247 |
| Equity capital to assets | 13.9848% | 1,371 |
| Core capital (leverage) ratio | 12.9380% | 1,502 |
| Tier 1 risk-based capital ratio | 28.2924% | 732 |
| Total risk-based capital ratio | 29.3652% | 732 |
| Memoranda: | ||
| Average total assets | $133,124,000 | 4,352 |
| Average earning assets | $125,754,500 | 4,248 |
| Average equity | $18,328,500 | 3,515 |
| Average total loans | $56,836,500 | 5,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 7,101 |
| Cost of funding earning assets | 2.1297% | 5,929 |
| Net interest margin | 3.4592% | 5,442 |
| Noninterest income to average assets | 0.3242% | 6,131 |
| Noninterest expense to average assets | 2.0226% | 7,398 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2092% | 1,741 |
| Return on assets (ROA) | 1.2092% | 1,684 |
| Pretax return on assets | 1.6065% | 1,367 |
| Return on Equity (ROE) | 9.1573% | 2,590 |
| Retained earnings to average equity (ytd only) | 2.3065% | 3,770 |
| Net charge-offs to loans | -0.0369% | 7,996 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7333% | 7,050 |
| Assets per employee ($millions) | 4.1512% | 3,209 |
| Cash dividends to net income (ytd only)* | 74.8130% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 5,041 |
| Loan loss allowance to noncurrent loans | 146.4853% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 6,274 |
| Noncurrent loans to loans | 0.7728% | 5,096 |
| Net loans and leases to total assets | 42.4725% | 7,559 |
| Net loans and leases to deposits | 49.6183% | 7,644 |
| Net loans and leases to core deposits | 70.3605% | 7,168 |
| Total domestic deposits to total assets | 85.5984% | 2,584 |
| Equity capital to assets | 13.5502% | 1,583 |
| Core capital (leverage) ratio | 12.7159% | 1,654 |
| Tier 1 risk-based capital ratio | 27.3624% | 804 |
| Total risk-based capital ratio | 28.4240% | 791 |
| Memoranda: | ||
| Average total assets | $132,651,000 | 4,222 |
| Average earning assets | $126,732,800 | 4,115 |
| Average equity | $17,516,000 | 3,641 |
| Average total loans | $56,860,400 | 5,413 |