Home > Alva State Bank & Trust Company > Performance and Condition Ratios
Alva State Bank & Trust Company, 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 | 6.0048% | 630 |
| Cost of funding earning assets | 2.1070% | 771 |
| Net interest margin | 3.8978% | 1,382 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.7167% | 4,116 |
| Loan and lease loss provision to assets | -0.1700% | 4,551 |
| Net operating income to assets | 2.3446% | 284 |
| Return on assets (ROA) | 2.1645% | 351 |
| Pretax return on assets | 2.1612% | 518 |
| Return on Equity (ROE) | 18.1900% | 793 |
| Retained earnings to average equity (ytd only) | -0.1881% | 4,105 |
| Net charge-offs to loans | -0.0876% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.0606% | 4,250 |
| Assets per employee ($millions) | 9.1697% | 930 |
| Cash dividends to net income (ytd only)* | 101.0338% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0721% | 334 |
| Loan loss allowance to noncurrent loans | 1,603.3033% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 1,922 |
| Noncurrent loans to loans | 0.1292% | 2,865 |
| Net loans and leases to total assets | 51.9200% | 3,481 |
| Net loans and leases to deposits | 61.2501% | 3,456 |
| Net loans and leases to core deposits | 66.7038% | 3,464 |
| Total domestic deposits to total assets | 84.7700% | 2,388 |
| Equity capital to assets | 11.4983% | 1,285 |
| Core capital (leverage) ratio | 13.6019% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5832% | 981 |
| Memoranda: | ||
| Average total assets | $460,297,800 | 1,822 |
| Average earning assets | $434,836,400 | 1,791 |
| Average equity | $54,767,000 | 1,495 |
| Average total loans | $243,171,000 | 2,041 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7435% | 741 |
| Cost of funding earning assets | 1.9568% | 768 |
| Net interest margin | 3.7867% | 1,630 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.7094% | 4,107 |
| Loan and lease loss provision to assets | -0.1700% | 4,580 |
| Net operating income to assets | 2.2966% | 328 |
| Return on assets (ROA) | 2.2575% | 336 |
| Pretax return on assets | 2.2555% | 516 |
| Return on Equity (ROE) | 18.8000% | 843 |
| Retained earnings to average equity (ytd only) | 9.7510% | 1,471 |
| Net charge-offs to loans | -0.1297% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.4606% | 4,205 |
| Assets per employee ($millions) | 8.8116% | 999 |
| Cash dividends to net income (ytd only)* | 48.1457% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3344% | 250 |
| Loan loss allowance to noncurrent loans | 1,249.8876% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,810 |
| Noncurrent loans to loans | 0.1868% | 2,614 |
| Net loans and leases to total assets | 49.8300% | 3,626 |
| Net loans and leases to deposits | 60.2530% | 3,495 |
| Net loans and leases to core deposits | 65.3888% | 3,460 |
| Total domestic deposits to total assets | 82.7000% | 3,069 |
| Equity capital to assets | 11.9585% | 1,045 |
| Core capital (leverage) ratio | 15.2147% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9465% | 705 |
| Memoranda: | ||
| Average total assets | $453,874,250 | 1,840 |
| Average earning assets | $430,830,000 | 1,798 |
| Average equity | $54,488,500 | 1,491 |
| Average total loans | $239,548,750 | 2,060 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 863 |
| Cost of funding earning assets | 1.6731% | 926 |
| Net interest margin | 3.8039% | 1,614 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.7273% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1211% | 392 |
| Return on assets (ROA) | 2.0619% | 422 |
| Pretax return on assets | 2.0619% | 674 |
| Return on Equity (ROE) | 17.1500% | 1,077 |
| Retained earnings to average equity (ytd only) | 3.4570% | 3,364 |
| Net charge-offs to loans | -0.1208% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.6526% | 4,227 |
| Assets per employee ($millions) | 8.2571% | 1,205 |
| Cash dividends to net income (ytd only)* | 79.8446% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5869% | 197 |
| Loan loss allowance to noncurrent loans | 868.1948% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 1,418 |
| Noncurrent loans to loans | 0.2980% | 2,071 |
| Net loans and leases to total assets | 52.1400% | 3,398 |
| Net loans and leases to deposits | 63.6930% | 3,213 |
| Net loans and leases to core deposits | 68.9009% | 3,192 |
| Total domestic deposits to total assets | 81.8700% | 3,259 |
| Equity capital to assets | 12.5424% | 918 |
| Core capital (leverage) ratio | 15.0853% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0082% | 719 |
| Memoranda: | ||
| Average total assets | $449,494,000 | 1,856 |
| Average earning assets | $427,457,333 | 1,818 |
| Average equity | $54,035,333 | 1,504 |
| Average total loans | $239,978,000 | 2,052 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 1,069 |
| Cost of funding earning assets | 1.5071% | 833 |
| Net interest margin | 3.6091% | 2,106 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.7039% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9656% | 518 |
| Return on assets (ROA) | 1.9454% | 530 |
| Pretax return on assets | 1.9454% | 852 |
| Return on Equity (ROE) | 16.5300% | 1,256 |
| Retained earnings to average equity (ytd only) | -11.0803% | 4,496 |
| Net charge-offs to loans | 0.2125% | 341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 17.3488% | 1,500 |
| Efficiency ratio | 46.1944% | 4,205 |
| Assets per employee ($millions) | 8.6328% | 1,084 |
| Cash dividends to net income (ytd only)* | 167.0429% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 250 |
| Loan loss allowance to noncurrent loans | 823.3286% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 1,415 |
| Noncurrent loans to loans | 0.2892% | 2,110 |
| Net loans and leases to total assets | 51.8600% | 3,353 |
| Net loans and leases to deposits | 62.5845% | 3,192 |
| Net loans and leases to core deposits | 66.7823% | 3,172 |
| Total domestic deposits to total assets | 82.8600% | 3,328 |
| Equity capital to assets | 11.7730% | 1,067 |
| Core capital (leverage) ratio | 14.3131% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9736% | 850 |
| Memoranda: | ||
| Average total assets | $455,428,000 | 1,864 |
| Average earning assets | $433,687,000 | 1,823 |
| Average equity | $53,608,500 | 1,523 |
| Average total loans | $242,839,500 | 2,053 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 2,223 |
| Cost of funding earning assets | 0.4567% | 1,674 |
| Net interest margin | 3.3622% | 2,378 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.6289% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7543% | 488 |
| Return on assets (ROA) | 1.6786% | 536 |
| Pretax return on assets | 1.7668% | 789 |
| Return on Equity (ROE) | 13.2000% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.4886% | 1,007 |
| Net charge-offs to loans | 0.0747% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 46.4277% | 1,409 |
| Efficiency ratio | 46.6098% | 4,314 |
| Assets per employee ($millions) | 8.5532% | 1,069 |
| Cash dividends to net income (ytd only)* | 20.5451% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4384% | 224 |
| Loan loss allowance to noncurrent loans | 260.7316% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 670 |
| Noncurrent loans to loans | 0.9352% | 794 |
| Net loans and leases to total assets | 52.2200% | 3,340 |
| Net loans and leases to deposits | 65.4311% | 2,923 |
| Net loans and leases to core deposits | 69.1464% | 2,935 |
| Total domestic deposits to total assets | 79.8000% | 3,905 |
| Equity capital to assets | 11.7690% | 1,001 |
| Core capital (leverage) ratio | 15.3079% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8408% | 738 |
| Memoranda: | ||
| Average total assets | $434,957,800 | 1,907 |
| Average earning assets | $410,805,600 | 1,877 |
| Average equity | $55,307,600 | 1,495 |
| Average total loans | $231,645,200 | 2,045 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 2,309 |
| Cost of funding earning assets | 0.3034% | 2,124 |
| Net interest margin | 3.3102% | 2,263 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.6001% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6242% | 622 |
| Return on assets (ROA) | 1.5853% | 659 |
| Pretax return on assets | 1.7114% | 880 |
| Return on Equity (ROE) | 12.2300% | 1,961 |
| Retained earnings to average equity (ytd only) | 8.6431% | 1,772 |
| Net charge-offs to loans | 0.1509% | 434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 21.8494% | 1,680 |
| Efficiency ratio | 47.4501% | 4,305 |
| Assets per employee ($millions) | 8.1442% | 1,249 |
| Cash dividends to net income (ytd only)* | 29.3141% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7743% | 165 |
| Loan loss allowance to noncurrent loans | 253.5885% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.2926% | 291 |
| Noncurrent loans to loans | 1.0940% | 686 |
| Net loans and leases to total assets | 48.2400% | 3,602 |
| Net loans and leases to deposits | 56.4508% | 3,442 |
| Net loans and leases to core deposits | 59.9918% | 3,384 |
| Total domestic deposits to total assets | 85.4600% | 3,189 |
| Equity capital to assets | 12.0117% | 885 |
| Core capital (leverage) ratio | 14.8715% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7891% | 658 |
| Memoranda: | ||
| Average total assets | $430,368,000 | 1,930 |
| Average earning assets | $405,647,250 | 1,907 |
| Average equity | $55,796,750 | 1,498 |
| Average total loans | $228,901,000 | 2,055 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 2,209 |
| Cost of funding earning assets | 0.2661% | 2,071 |
| Net interest margin | 3.2085% | 2,161 |
| Noninterest income to average assets | 0.2247% | 3,847 |
| Noninterest expense to average assets | 1.5310% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5329% | 647 |
| Return on assets (ROA) | 1.4996% | 688 |
| Pretax return on assets | 1.6822% | 786 |
| Return on Equity (ROE) | 11.2954% | 1,891 |
| Retained earnings to average equity (ytd only) | 11.2954% | 740 |
| Net charge-offs to loans | 0.3530% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 8.9639% | 1,806 |
| Efficiency ratio | 46.8146% | 4,406 |
| Assets per employee ($millions) | 8.1511% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7292% | 191 |
| Loan loss allowance to noncurrent loans | 233.4019% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 297 |
| Noncurrent loans to loans | 1.1693% | 686 |
| Net loans and leases to total assets | 47.7116% | 3,574 |
| Net loans and leases to deposits | 54.8343% | 3,480 |
| Net loans and leases to core deposits | 58.2036% | 3,413 |
| Total domestic deposits to total assets | 87.0105% | 2,938 |
| Equity capital to assets | 12.7182% | 715 |
| Core capital (leverage) ratio | 14.7439% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6364% | 571 |
| Memoranda: | ||
| Average total assets | $432,658,333 | 1,927 |
| Average earning assets | $408,044,000 | 1,917 |
| Average equity | $57,439,333 | 1,494 |
| Average total loans | $235,154,667 | 2,023 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 2,296 |
| Cost of funding earning assets | 0.2716% | 1,913 |
| Net interest margin | 3.0579% | 2,300 |
| Noninterest income to average assets | 0.2151% | 3,866 |
| Noninterest expense to average assets | 1.4982% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6016% | 504 |
| Return on assets (ROA) | 1.6190% | 486 |
| Pretax return on assets | 1.6190% | 800 |
| Return on Equity (ROE) | 11.9516% | 1,325 |
| Retained earnings to average equity (ytd only) | 11.9516% | 611 |
| Net charge-offs to loans | 0.8152% | 85 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.4517% | 1,667 |
| Efficiency ratio | 48.0366% | 4,400 |
| Assets per employee ($millions) | 8.3314% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3013% | 371 |
| Loan loss allowance to noncurrent loans | 175.2276% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 230 |
| Noncurrent loans to loans | 1.3133% | 667 |
| Net loans and leases to total assets | 54.6909% | 2,668 |
| Net loans and leases to deposits | 63.2767% | 2,592 |
| Net loans and leases to core deposits | 67.3195% | 2,506 |
| Total domestic deposits to total assets | 86.4313% | 3,126 |
| Equity capital to assets | 13.2342% | 648 |
| Core capital (leverage) ratio | 14.3042% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7061% | 673 |
| Memoranda: | ||
| Average total assets | $437,059,000 | 1,921 |
| Average earning assets | $412,304,500 | 1,913 |
| Average equity | $59,205,500 | 1,506 |
| Average total loans | $248,780,500 | 1,944 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 1,852 |
| Cost of funding earning assets | 0.3963% | 1,572 |
| Net interest margin | 3.4086% | 1,999 |
| Noninterest income to average assets | 0.4353% | 2,883 |
| Noninterest expense to average assets | 1.6861% | 4,315 |
| Loan and lease loss provision to assets | 0.2082% | 504 |
| Net operating income to assets | 1.7022% | 629 |
| Return on assets (ROA) | 1.7092% | 644 |
| Pretax return on assets | 1.7419% | 1,041 |
| Return on Equity (ROE) | 12.0044% | 1,817 |
| Retained earnings to average equity (ytd only) | 5.8958% | 2,405 |
| Net charge-offs to loans | 0.1213% | 744 |
| Credit loss provision to net charge-offs | 279.5031% | 1,108 |
| Earnings coverage of net charge-offs (x) | 26.0839% | 1,708 |
| Efficiency ratio | 46.2137% | 4,488 |
| Assets per employee ($millions) | 8.4786% | 1,094 |
| Cash dividends to net income (ytd only)* | 50.8865% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3875% | 332 |
| Loan loss allowance to noncurrent loans | 77.3305% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 2.6415% | 93 |
| Noncurrent loans to loans | 3.0873% | 187 |
| Net loans and leases to total assets | 56.4664% | 2,544 |
| Net loans and leases to deposits | 65.8006% | 2,532 |
| Net loans and leases to core deposits | 69.5032% | 2,504 |
| Total domestic deposits to total assets | 85.8144% | 2,968 |
| Equity capital to assets | 13.8530% | 694 |
| Core capital (leverage) ratio | 13.9375% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9713% | 758 |
| Memoranda: | ||
| Average total assets | $432,296,600 | 1,889 |
| Average earning assets | $405,032,000 | 1,890 |
| Average equity | $61,552,400 | 1,484 |
| Average total loans | $265,415,800 | 1,858 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8196% | 1,977 |
| Cost of funding earning assets | 0.4075% | 1,644 |
| Net interest margin | 3.4121% | 2,121 |
| Noninterest income to average assets | 0.4962% | 2,635 |
| Noninterest expense to average assets | 1.6332% | 4,421 |
| Loan and lease loss provision to assets | 0.2790% | 300 |
| Net operating income to assets | 1.7414% | 751 |
| Return on assets (ROA) | 1.7572% | 766 |
| Pretax return on assets | 1.7900% | 1,184 |
| Return on Equity (ROE) | 12.2560% | 1,956 |
| Retained earnings to average equity (ytd only) | 12.2560% | 786 |
| Net charge-offs to loans | -0.4064% | 4,827 |
| Credit loss provision to net charge-offs | -110.1591% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0632% | 4,584 |
| Assets per employee ($millions) | 8.5254% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8900% | 171 |
| Loan loss allowance to noncurrent loans | 68.6906% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.2692% | 65 |
| Noncurrent loans to loans | 4.2073% | 115 |
| Net loans and leases to total assets | 54.7923% | 2,872 |
| Net loans and leases to deposits | 64.5214% | 2,794 |
| Net loans and leases to core deposits | 68.4438% | 2,735 |
| Total domestic deposits to total assets | 84.9212% | 3,141 |
| Equity capital to assets | 14.4653% | 643 |
| Core capital (leverage) ratio | 14.3127% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3617% | 657 |
| Memoranda: | ||
| Average total assets | $430,149,500 | 1,914 |
| Average earning assets | $402,128,750 | 1,915 |
| Average equity | $61,671,500 | 1,500 |
| Average total loans | $268,009,500 | 1,876 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 1,767 |
| Cost of funding earning assets | 0.4172% | 1,747 |
| Net interest margin | 3.5029% | 1,849 |
| Noninterest income to average assets | 0.6102% | 2,167 |
| Noninterest expense to average assets | 1.6493% | 4,446 |
| Loan and lease loss provision to assets | 0.4228% | 138 |
| Net operating income to assets | 1.7711% | 763 |
| Return on assets (ROA) | 1.7780% | 790 |
| Pretax return on assets | 1.8109% | 1,210 |
| Return on Equity (ROE) | 12.4399% | 1,895 |
| Retained earnings to average equity (ytd only) | 12.4399% | 823 |
| Net charge-offs to loans | -0.4037% | 4,865 |
| Credit loss provision to net charge-offs | -162.7486% | 3,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3585% | 4,684 |
| Assets per employee ($millions) | 8.2919% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6981% | 208 |
| Loan loss allowance to noncurrent loans | 59.0570% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 4.0060% | 53 |
| Noncurrent loans to loans | 4.5687% | 101 |
| Net loans and leases to total assets | 58.2449% | 2,642 |
| Net loans and leases to deposits | 68.7201% | 2,547 |
| Net loans and leases to core deposits | 73.0822% | 2,511 |
| Total domestic deposits to total assets | 84.7567% | 3,197 |
| Equity capital to assets | 14.5173% | 612 |
| Core capital (leverage) ratio | 14.1496% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9955% | 806 |
| Memoranda: | ||
| Average total assets | $425,758,333 | 1,923 |
| Average earning assets | $396,932,333 | 1,921 |
| Average equity | $60,852,667 | 1,509 |
| Average total loans | $273,967,333 | 1,864 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 1,170 |
| Cost of funding earning assets | 0.4436% | 1,772 |
| Net interest margin | 3.7707% | 1,198 |
| Noninterest income to average assets | 1.0221% | 1,099 |
| Noninterest expense to average assets | 1.5743% | 4,570 |
| Loan and lease loss provision to assets | 0.8510% | 52 |
| Net operating income to assets | 2.1095% | 484 |
| Return on assets (ROA) | 2.0764% | 549 |
| Pretax return on assets | 2.0764% | 834 |
| Return on Equity (ROE) | 14.6446% | 1,288 |
| Retained earnings to average equity (ytd only) | 14.6446% | 665 |
| Net charge-offs to loans | 0.3817% | 219 |
| Credit loss provision to net charge-offs | 334.5725% | 711 |
| Earnings coverage of net charge-offs (x) | 11.6394% | 1,446 |
| Efficiency ratio | 34.5079% | 4,867 |
| Assets per employee ($millions) | 8.1807% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2314% | 405 |
| Loan loss allowance to noncurrent loans | 29.7232% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 6.1728% | 21 |
| Noncurrent loans to loans | 7.5073% | 39 |
| Net loans and leases to total assets | 63.2608% | 2,141 |
| Net loans and leases to deposits | 74.4683% | 2,074 |
| Net loans and leases to core deposits | 79.3879% | 2,064 |
| Total domestic deposits to total assets | 84.9500% | 3,117 |
| Equity capital to assets | 14.2427% | 623 |
| Core capital (leverage) ratio | 13.9604% | 659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7322% | 1,118 |
| Memoranda: | ||
| Average total assets | $423,047,000 | 1,925 |
| Average earning assets | $394,090,500 | 1,925 |
| Average equity | $59,981,000 | 1,520 |
| Average total loans | $281,898,500 | 1,821 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3152% | 1,827 |
| Cost of funding earning assets | 0.7432% | 1,492 |
| Net interest margin | 3.5720% | 2,242 |
| Noninterest income to average assets | 0.1943% | 4,314 |
| Noninterest expense to average assets | 1.6775% | 4,643 |
| Loan and lease loss provision to assets | 0.8964% | 129 |
| Net operating income to assets | 0.9592% | 2,440 |
| Return on assets (ROA) | 0.9829% | 2,496 |
| Pretax return on assets | 0.9793% | 3,109 |
| Return on Equity (ROE) | 7.1793% | 3,136 |
| Retained earnings to average equity (ytd only) | 7.1793% | 1,330 |
| Net charge-offs to loans | 1.2291% | 94 |
| Credit loss provision to net charge-offs | 103.5255% | 2,780 |
| Earnings coverage of net charge-offs (x) | 2.1388% | 3,196 |
| Efficiency ratio | 47.2611% | 4,663 |
| Assets per employee ($millions) | 8.0903% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9099% | 704 |
| Loan loss allowance to noncurrent loans | 27.3811% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 6.3155% | 26 |
| Noncurrent loans to loans | 6.9753% | 45 |
| Net loans and leases to total assets | 67.2775% | 1,921 |
| Net loans and leases to deposits | 80.6682% | 1,795 |
| Net loans and leases to core deposits | 85.7835% | 1,888 |
| Total domestic deposits to total assets | 83.4002% | 3,294 |
| Equity capital to assets | 14.1132% | 766 |
| Core capital (leverage) ratio | 13.6162% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7838% | 1,315 |
| Memoranda: | ||
| Average total assets | $412,749,800 | 1,817 |
| Average earning assets | $385,381,800 | 1,813 |
| Average equity | $56,509,400 | 1,515 |
| Average total loans | $290,792,200 | 1,720 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 1,375 |
| Cost of funding earning assets | 0.8042% | 1,477 |
| Net interest margin | 3.7728% | 1,700 |
| Noninterest income to average assets | 0.2077% | 4,231 |
| Noninterest expense to average assets | 1.6457% | 4,683 |
| Loan and lease loss provision to assets | 0.9088% | 172 |
| Net operating income to assets | 1.1773% | 1,719 |
| Return on assets (ROA) | 1.1981% | 1,768 |
| Pretax return on assets | 1.2007% | 2,387 |
| Return on Equity (ROE) | 8.8204% | 2,470 |
| Retained earnings to average equity (ytd only) | 8.8204% | 1,034 |
| Net charge-offs to loans | 1.4250% | 84 |
| Credit loss provision to net charge-offs | 89.9165% | 2,701 |
| Earnings coverage of net charge-offs (x) | 2.0665% | 3,019 |
| Efficiency ratio | 43.8418% | 4,794 |
| Assets per employee ($millions) | 8.4887% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 737 |
| Loan loss allowance to noncurrent loans | 40.7309% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 4.6054% | 67 |
| Noncurrent loans to loans | 4.4008% | 139 |
| Net loans and leases to total assets | 66.7954% | 2,410 |
| Net loans and leases to deposits | 78.4409% | 2,491 |
| Net loans and leases to core deposits | 83.8187% | 2,493 |
| Total domestic deposits to total assets | 85.1538% | 2,376 |
| Equity capital to assets | 14.1521% | 816 |
| Core capital (leverage) ratio | 13.7455% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4067% | 1,158 |
| Memoranda: | ||
| Average total assets | $410,762,750 | 1,805 |
| Average earning assets | $383,969,500 | 1,802 |
| Average equity | $55,793,250 | 1,518 |
| Average total loans | $291,353,750 | 1,718 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 1,387 |
| Cost of funding earning assets | 0.8719% | 1,488 |
| Net interest margin | 3.8365% | 1,723 |
| Noninterest income to average assets | 0.2137% | 4,209 |
| Noninterest expense to average assets | 1.6150% | 4,767 |
| Loan and lease loss provision to assets | 0.9290% | 236 |
| Net operating income to assets | 1.2654% | 1,450 |
| Return on assets (ROA) | 1.2884% | 1,504 |
| Pretax return on assets | 1.2879% | 2,075 |
| Return on Equity (ROE) | 9.6222% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.6222% | 856 |
| Net charge-offs to loans | 1.4454% | 90 |
| Credit loss provision to net charge-offs | 89.3697% | 2,465 |
| Earnings coverage of net charge-offs (x) | 2.1105% | 2,800 |
| Efficiency ratio | 42.1438% | 4,860 |
| Assets per employee ($millions) | 8.5645% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 687 |
| Loan loss allowance to noncurrent loans | 48.9656% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 4.0812% | 86 |
| Noncurrent loans to loans | 3.6382% | 210 |
| Net loans and leases to total assets | 67.7894% | 2,391 |
| Net loans and leases to deposits | 79.2462% | 2,517 |
| Net loans and leases to core deposits | 85.0364% | 2,518 |
| Total domestic deposits to total assets | 85.5428% | 2,180 |
| Equity capital to assets | 13.7056% | 927 |
| Core capital (leverage) ratio | 13.4733% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1740% | 1,214 |
| Memoranda: | ||
| Average total assets | $409,035,000 | 1,783 |
| Average earning assets | $383,315,667 | 1,773 |
| Average equity | $54,769,333 | 1,533 |
| Average total loans | $294,170,333 | 1,690 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 987 |
| Cost of funding earning assets | 1.0016% | 1,415 |
| Net interest margin | 3.9906% | 1,415 |
| Noninterest income to average assets | 0.2388% | 4,128 |
| Noninterest expense to average assets | 1.6576% | 4,815 |
| Loan and lease loss provision to assets | 0.8917% | 260 |
| Net operating income to assets | 1.4356% | 914 |
| Return on assets (ROA) | 1.4376% | 982 |
| Pretax return on assets | 1.4376% | 1,466 |
| Return on Equity (ROE) | 10.8697% | 1,452 |
| Retained earnings to average equity (ytd only) | 10.8697% | 584 |
| Net charge-offs to loans | 0.5573% | 268 |
| Credit loss provision to net charge-offs | 217.9177% | 1,370 |
| Earnings coverage of net charge-offs (x) | 5.6877% | 2,037 |
| Efficiency ratio | 41.3476% | 4,961 |
| Assets per employee ($millions) | 8.2621% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0388% | 474 |
| Loan loss allowance to noncurrent loans | 49.4860% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 4.6278% | 80 |
| Noncurrent loans to loans | 4.1199% | 182 |
| Net loans and leases to total assets | 71.1573% | 2,060 |
| Net loans and leases to deposits | 82.9407% | 2,340 |
| Net loans and leases to core deposits | 89.7824% | 2,366 |
| Total domestic deposits to total assets | 85.7930% | 2,089 |
| Equity capital to assets | 13.4874% | 1,224 |
| Core capital (leverage) ratio | 13.5350% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9957% | 1,349 |
| Memoranda: | ||
| Average total assets | $403,722,500 | 1,757 |
| Average earning assets | $378,994,000 | 1,742 |
| Average equity | $53,396,000 | 1,562 |
| Average total loans | $296,433,000 | 1,659 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1678% | 1,070 |
| Cost of funding earning assets | 1.1050% | 1,302 |
| Net interest margin | 4.0629% | 1,641 |
| Noninterest income to average assets | 0.1666% | 4,656 |
| Noninterest expense to average assets | 1.6421% | 4,918 |
| Loan and lease loss provision to assets | 1.4229% | 62 |
| Net operating income to assets | 0.9396% | 3,060 |
| Return on assets (ROA) | 0.9432% | 3,131 |
| Pretax return on assets | 0.9612% | 3,569 |
| Return on Equity (ROE) | 7.2227% | 3,476 |
| Retained earnings to average equity (ytd only) | 2.0783% | 3,959 |
| Net charge-offs to loans | 1.7815% | 72 |
| Credit loss provision to net charge-offs | 104.9360% | 2,360 |
| Earnings coverage of net charge-offs (x) | 1.7555% | 3,498 |
| Efficiency ratio | 40.4688% | 5,060 |
| Assets per employee ($millions) | 8.5597% | 579 |
| Cash dividends to net income (ytd only)* | 71.2251% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 702 |
| Loan loss allowance to noncurrent loans | 45.8845% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 4.4056% | 79 |
| Noncurrent loans to loans | 3.8504% | 193 |
| Net loans and leases to total assets | 72.8736% | 1,939 |
| Net loans and leases to deposits | 87.6132% | 1,895 |
| Net loans and leases to core deposits | 94.2635% | 2,035 |
| Total domestic deposits to total assets | 83.1765% | 3,147 |
| Equity capital to assets | 12.9736% | 1,542 |
| Core capital (leverage) ratio | 13.0346% | 1,224 |
| Tier 1 risk-based capital ratio | 14.9195% | 2,811 |
| Total risk-based capital ratio | 16.1726% | 2,753 |
| Memoranda: | ||
| Average total assets | $409,364,000 | 1,715 |
| Average earning assets | $388,517,600 | 1,671 |
| Average equity | $53,456,400 | 1,512 |
| Average total loans | $311,591,200 | 1,556 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 1,123 |
| Cost of funding earning assets | 1.1150% | 1,289 |
| Net interest margin | 4.0473% | 1,780 |
| Noninterest income to average assets | 0.1278% | 4,890 |
| Noninterest expense to average assets | 1.5524% | 5,041 |
| Loan and lease loss provision to assets | 1.7685% | 51 |
| Net operating income to assets | 0.6296% | 4,216 |
| Return on assets (ROA) | 0.6311% | 4,260 |
| Pretax return on assets | 0.6520% | 4,443 |
| Return on Equity (ROE) | 4.8253% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.8253% | 2,973 |
| Net charge-offs to loans | 2.0309% | 57 |
| Credit loss provision to net charge-offs | 113.6840% | 2,040 |
| Earnings coverage of net charge-offs (x) | 1.5549% | 3,277 |
| Efficiency ratio | 38.6964% | 5,149 |
| Assets per employee ($millions) | 8.6303% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9649% | 495 |
| Loan loss allowance to noncurrent loans | 40.9026% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 5.1050% | 72 |
| Noncurrent loans to loans | 4.8040% | 114 |
| Net loans and leases to total assets | 70.8978% | 2,341 |
| Net loans and leases to deposits | 82.6029% | 2,605 |
| Net loans and leases to core deposits | 89.1162% | 2,623 |
| Total domestic deposits to total assets | 85.8297% | 2,068 |
| Equity capital to assets | 13.4421% | 1,385 |
| Core capital (leverage) ratio | 13.2852% | 1,221 |
| Tier 1 risk-based capital ratio | 16.0908% | 2,397 |
| Total risk-based capital ratio | 17.3464% | 2,338 |
| Memoranda: | ||
| Average total assets | $408,988,500 | 1,725 |
| Average earning assets | $388,396,500 | 1,680 |
| Average equity | $53,494,500 | 1,507 |
| Average total loans | $313,289,500 | 1,560 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 862 |
| Cost of funding earning assets | 1.1023% | 1,291 |
| Net interest margin | 4.1690% | 1,435 |
| Noninterest income to average assets | 0.1356% | 4,891 |
| Noninterest expense to average assets | 1.5323% | 5,102 |
| Loan and lease loss provision to assets | 1.1460% | 80 |
| Net operating income to assets | 1.4167% | 1,386 |
| Return on assets (ROA) | 1.4172% | 1,438 |
| Pretax return on assets | 1.4435% | 2,050 |
| Return on Equity (ROE) | 10.9348% | 2,004 |
| Retained earnings to average equity (ytd only) | 10.9348% | 551 |
| Net charge-offs to loans | 1.0158% | 140 |
| Credit loss provision to net charge-offs | 144.6154% | 1,533 |
| Earnings coverage of net charge-offs (x) | 3.2671% | 2,864 |
| Efficiency ratio | 36.7175% | 5,208 |
| Assets per employee ($millions) | 8.4743% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 542 |
| Loan loss allowance to noncurrent loans | 40.8512% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.9474% | 115 |
| Noncurrent loans to loans | 4.7081% | 118 |
| Net loans and leases to total assets | 74.7182% | 1,764 |
| Net loans and leases to deposits | 87.5481% | 2,056 |
| Net loans and leases to core deposits | 94.8964% | 2,164 |
| Total domestic deposits to total assets | 85.3454% | 2,325 |
| Equity capital to assets | 13.8871% | 1,166 |
| Core capital (leverage) ratio | 13.2778% | 1,193 |
| Tier 1 risk-based capital ratio | 15.8079% | 2,500 |
| Total risk-based capital ratio | 17.0631% | 2,428 |
| Memoranda: | ||
| Average total assets | $410,110,670 | 1,720 |
| Average earning assets | $392,081,670 | 1,670 |
| Average equity | $53,151,330 | 1,505 |
| Average total loans | $319,939,000 | 1,546 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 1,141 |
| Cost of funding earning assets | 1.0557% | 1,353 |
| Net interest margin | 4.0239% | 1,782 |
| Noninterest income to average assets | 0.1500% | 4,846 |
| Noninterest expense to average assets | 1.3009% | 5,257 |
| Loan and lease loss provision to assets | 1.1057% | 75 |
| Net operating income to assets | 1.5951% | 908 |
| Return on assets (ROA) | 1.5961% | 933 |
| Pretax return on assets | 1.5961% | 1,485 |
| Return on Equity (ROE) | 12.7517% | 1,300 |
| Retained earnings to average equity (ytd only) | 12.7517% | 499 |
| Net charge-offs to loans | 0.5753% | 259 |
| Credit loss provision to net charge-offs | 243.6441% | 938 |
| Earnings coverage of net charge-offs (x) | 5.9513% | 2,228 |
| Efficiency ratio | 32.0519% | 5,303 |
| Assets per employee ($millions) | 8.8741% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 747 |
| Loan loss allowance to noncurrent loans | 33.3161% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 4.5315% | 80 |
| Noncurrent loans to loans | 5.3098% | 101 |
| Net loans and leases to total assets | 77.0718% | 1,308 |
| Net loans and leases to deposits | 96.0921% | 959 |
| Net loans and leases to core deposits | 104.3974% | 1,287 |
| Total domestic deposits to total assets | 80.2062% | 4,139 |
| Equity capital to assets | 12.7841% | 1,573 |
| Core capital (leverage) ratio | 12.8127% | 1,355 |
| Tier 1 risk-based capital ratio | 14.2599% | 3,210 |
| Total risk-based capital ratio | 15.5133% | 3,143 |
| Memoranda: | ||
| Average total assets | $416,020,500 | 1,705 |
| Average earning assets | $398,225,500 | 1,643 |
| Average equity | $52,071,500 | 1,525 |
| Average total loans | $328,192,500 | 1,528 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,990 |
| Cost of funding earning assets | 0.6765% | 2,231 |
| Net interest margin | 3.9733% | 2,079 |
| Noninterest income to average assets | 0.1728% | 4,863 |
| Noninterest expense to average assets | 1.5562% | 5,192 |
| Loan and lease loss provision to assets | 0.9909% | 87 |
| Net operating income to assets | 1.4576% | 1,251 |
| Return on assets (ROA) | 1.4614% | 1,223 |
| Pretax return on assets | 1.4614% | 1,910 |
| Return on Equity (ROE) | 11.2687% | 1,984 |
| Retained earnings to average equity (ytd only) | 3.4323% | 3,703 |
| Net charge-offs to loans | 0.9795% | 150 |
| Credit loss provision to net charge-offs | 124.9599% | 2,102 |
| Earnings coverage of net charge-offs (x) | 3.0878% | 3,451 |
| Efficiency ratio | 38.3898% | 5,301 |
| Assets per employee ($millions) | 9.0209% | 467 |
| Cash dividends to net income (ytd only)* | 69.5410% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 1,139 |
| Loan loss allowance to noncurrent loans | 39.0929% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 3.5232% | 149 |
| Noncurrent loans to loans | 3.9721% | 187 |
| Net loans and leases to total assets | 78.0878% | 1,259 |
| Net loans and leases to deposits | 101.2239% | 650 |
| Net loans and leases to core deposits | 110.0196% | 1,000 |
| Total domestic deposits to total assets | 77.1436% | 4,611 |
| Equity capital to assets | 12.2477% | 1,730 |
| Core capital (leverage) ratio | 13.2482% | 1,160 |
| Tier 1 risk-based capital ratio | 13.7980% | 3,388 |
| Total risk-based capital ratio | 15.0493% | 3,315 |
| Memoranda: | ||
| Average total assets | $393,592,600 | 1,745 |
| Average earning assets | $379,581,400 | 1,673 |
| Average equity | $51,044,000 | 1,487 |
| Average total loans | $318,615,800 | 1,518 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 2,148 |
| Cost of funding earning assets | 0.6313% | 2,263 |
| Net interest margin | 3.9116% | 2,252 |
| Noninterest income to average assets | 0.1580% | 4,989 |
| Noninterest expense to average assets | 1.5797% | 5,227 |
| Loan and lease loss provision to assets | 0.9787% | 87 |
| Net operating income to assets | 1.3788% | 1,557 |
| Return on assets (ROA) | 1.3785% | 1,563 |
| Pretax return on assets | 1.3785% | 2,304 |
| Return on Equity (ROE) | 10.4735% | 2,400 |
| Retained earnings to average equity (ytd only) | 10.4735% | 771 |
| Net charge-offs to loans | 0.5013% | 311 |
| Credit loss provision to net charge-offs | 239.8990% | 1,215 |
| Earnings coverage of net charge-offs (x) | 5.7786% | 2,938 |
| Efficiency ratio | 39.6424% | 5,342 |
| Assets per employee ($millions) | 8.3312% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 542 |
| Loan loss allowance to noncurrent loans | 32.0569% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 5.2934% | 78 |
| Noncurrent loans to loans | 6.0654% | 78 |
| Net loans and leases to total assets | 78.8758% | 1,186 |
| Net loans and leases to deposits | 92.2955% | 1,584 |
| Net loans and leases to core deposits | 99.9210% | 1,804 |
| Total domestic deposits to total assets | 85.4601% | 2,423 |
| Equity capital to assets | 13.7117% | 1,053 |
| Core capital (leverage) ratio | 13.9256% | 958 |
| Tier 1 risk-based capital ratio | 15.4565% | 2,668 |
| Total risk-based capital ratio | 16.7121% | 2,601 |
| Memoranda: | ||
| Average total assets | $388,250,750 | 1,774 |
| Average earning assets | $375,117,250 | 1,703 |
| Average equity | $51,099,250 | 1,482 |
| Average total loans | $315,983,750 | 1,534 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,916 |
| Cost of funding earning assets | 0.5824% | 2,349 |
| Net interest margin | 3.9738% | 1,944 |
| Noninterest income to average assets | 0.1570% | 5,042 |
| Noninterest expense to average assets | 1.4706% | 5,357 |
| Loan and lease loss provision to assets | 0.9489% | 86 |
| Net operating income to assets | 1.5768% | 972 |
| Return on assets (ROA) | 1.5060% | 1,141 |
| Pretax return on assets | 1.5060% | 1,794 |
| Return on Equity (ROE) | 11.6010% | 1,874 |
| Retained earnings to average equity (ytd only) | 11.6010% | 575 |
| Net charge-offs to loans | 0.0716% | 1,623 |
| Credit loss provision to net charge-offs | 1,622.8070% | 259 |
| Earnings coverage of net charge-offs (x) | 43.1930% | 1,242 |
| Efficiency ratio | 36.3496% | 5,446 |
| Assets per employee ($millions) | 8.6704% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9065% | 625 |
| Loan loss allowance to noncurrent loans | 74.3081% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.5043% | 351 |
| Noncurrent loans to loans | 2.5657% | 501 |
| Net loans and leases to total assets | 80.0181% | 1,017 |
| Net loans and leases to deposits | 96.7184% | 1,072 |
| Net loans and leases to core deposits | 103.8347% | 1,411 |
| Total domestic deposits to total assets | 82.7331% | 3,486 |
| Equity capital to assets | 13.2912% | 1,189 |
| Core capital (leverage) ratio | 13.7188% | 987 |
| Tier 1 risk-based capital ratio | 15.1038% | 2,825 |
| Total risk-based capital ratio | 16.3594% | 2,746 |
| Memoranda: | ||
| Average total assets | $389,915,670 | 1,769 |
| Average earning assets | $376,717,330 | 1,703 |
| Average equity | $50,616,330 | 1,501 |
| Average total loans | $318,554,000 | 1,531 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 2,327 |
| Cost of funding earning assets | 0.5466% | 2,432 |
| Net interest margin | 3.8121% | 2,376 |
| Noninterest income to average assets | 0.1478% | 5,124 |
| Noninterest expense to average assets | 1.3618% | 5,466 |
| Loan and lease loss provision to assets | 0.7696% | 117 |
| Net operating income to assets | 1.7025% | 687 |
| Return on assets (ROA) | 1.7025% | 695 |
| Pretax return on assets | 1.7025% | 1,111 |
| Return on Equity (ROE) | 13.2732% | 1,192 |
| Retained earnings to average equity (ytd only) | 13.2732% | 484 |
| Net charge-offs to loans | 0.1858% | 788 |
| Credit loss provision to net charge-offs | 506.7568% | 575 |
| Earnings coverage of net charge-offs (x) | 16.2770% | 1,633 |
| Efficiency ratio | 35.0910% | 5,523 |
| Assets per employee ($millions) | 8.0668% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 1,266 |
| Loan loss allowance to noncurrent loans | 56.0618% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 357 |
| Noncurrent loans to loans | 2.7762% | 452 |
| Net loans and leases to total assets | 80.5995% | 855 |
| Net loans and leases to deposits | 95.2641% | 1,099 |
| Net loans and leases to core deposits | 109.0211% | 1,062 |
| Total domestic deposits to total assets | 84.6064% | 3,071 |
| Equity capital to assets | 13.0612% | 1,209 |
| Core capital (leverage) ratio | 13.1758% | 1,115 |
| Tier 1 risk-based capital ratio | 14.8558% | 2,945 |
| Total risk-based capital ratio | 16.1078% | 2,882 |
| Memoranda: | ||
| Average total assets | $389,789,500 | 1,782 |
| Average earning assets | $376,905,500 | 1,712 |
| Average equity | $49,995,500 | 1,532 |
| Average total loans | $318,694,500 | 1,526 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,462 |
| Cost of funding earning assets | 0.5087% | 2,259 |
| Net interest margin | 4.0793% | 1,509 |
| Noninterest income to average assets | 0.2300% | 4,761 |
| Noninterest expense to average assets | 1.5390% | 5,452 |
| Loan and lease loss provision to assets | 0.4073% | 362 |
| Net operating income to assets | 2.2412% | 182 |
| Return on assets (ROA) | 2.2430% | 181 |
| Pretax return on assets | 2.2430% | 297 |
| Return on Equity (ROE) | 17.8092% | 323 |
| Retained earnings to average equity (ytd only) | 5.1221% | 2,048 |
| Net charge-offs to loans | 0.4271% | 574 |
| Credit loss provision to net charge-offs | 115.3505% | 2,273 |
| Earnings coverage of net charge-offs (x) | 7.5004% | 3,031 |
| Efficiency ratio | 36.4684% | 5,575 |
| Assets per employee ($millions) | 9.1149% | 435 |
| Cash dividends to net income (ytd only)* | 71.2390% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,897 |
| Loan loss allowance to noncurrent loans | 122.7135% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.9889% | 1,563 |
| Noncurrent loans to loans | 0.9621% | 1,840 |
| Net loans and leases to total assets | 82.8270% | 584 |
| Net loans and leases to deposits | 100.9025% | 665 |
| Net loans and leases to core deposits | 115.0558% | 754 |
| Total domestic deposits to total assets | 82.0861% | 3,849 |
| Equity capital to assets | 12.0072% | 1,836 |
| Core capital (leverage) ratio | 12.4150% | 1,393 |
| Tier 1 risk-based capital ratio | 13.3329% | 3,725 |
| Total risk-based capital ratio | 14.4152% | 3,731 |
| Memoranda: | ||
| Average total assets | $319,164,000 | 2,069 |
| Average earning assets | $309,632,800 | 1,992 |
| Average equity | $40,198,400 | 1,855 |
| Average total loans | $263,855,200 | 1,741 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 1,513 |
| Cost of funding earning assets | 0.5011% | 2,251 |
| Net interest margin | 4.0454% | 1,557 |
| Noninterest income to average assets | 0.2423% | 4,756 |
| Noninterest expense to average assets | 1.5028% | 5,516 |
| Loan and lease loss provision to assets | 0.2209% | 838 |
| Net operating income to assets | 2.4418% | 148 |
| Return on assets (ROA) | 2.4435% | 147 |
| Pretax return on assets | 2.4435% | 232 |
| Return on Equity (ROE) | 19.1688% | 268 |
| Retained earnings to average equity (ytd only) | 19.1688% | 59 |
| Net charge-offs to loans | 0.1164% | 1,623 |
| Credit loss provision to net charge-offs | 230.2632% | 1,214 |
| Earnings coverage of net charge-offs (x) | 27.7590% | 1,621 |
| Efficiency ratio | 35.7944% | 5,641 |
| Assets per employee ($millions) | 9.0943% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,462 |
| Loan loss allowance to noncurrent loans | 164.0389% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 2,078 |
| Noncurrent loans to loans | 0.7805% | 2,416 |
| Net loans and leases to total assets | 81.6624% | 746 |
| Net loans and leases to deposits | 96.5235% | 1,063 |
| Net loans and leases to core deposits | 109.3778% | 1,063 |
| Total domestic deposits to total assets | 84.6036% | 2,882 |
| Equity capital to assets | 13.6788% | 1,089 |
| Core capital (leverage) ratio | 13.7589% | 956 |
| Tier 1 risk-based capital ratio | 15.2052% | 2,836 |
| Total risk-based capital ratio | 16.3768% | 2,794 |
| Memoranda: | ||
| Average total assets | $316,920,750 | 2,089 |
| Average earning assets | $307,334,000 | 2,017 |
| Average equity | $40,398,000 | 1,859 |
| Average total loans | $261,060,750 | 1,766 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 1,555 |
| Cost of funding earning assets | 0.4933% | 2,225 |
| Net interest margin | 3.9925% | 1,628 |
| Noninterest income to average assets | 0.1997% | 5,049 |
| Noninterest expense to average assets | 1.5579% | 5,529 |
| Loan and lease loss provision to assets | 0.2212% | 797 |
| Net operating income to assets | 2.2929% | 184 |
| Return on assets (ROA) | 2.2954% | 179 |
| Pretax return on assets | 2.2954% | 302 |
| Return on Equity (ROE) | 18.4597% | 294 |
| Retained earnings to average equity (ytd only) | 18.4597% | 71 |
| Net charge-offs to loans | 0.0853% | 1,758 |
| Credit loss provision to net charge-offs | 315.3153% | 928 |
| Earnings coverage of net charge-offs (x) | 35.8378% | 1,346 |
| Efficiency ratio | 37.9637% | 5,664 |
| Assets per employee ($millions) | 9.0064% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 2,575 |
| Loan loss allowance to noncurrent loans | 95.3368% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 1,290 |
| Noncurrent loans to loans | 1.3311% | 1,450 |
| Net loans and leases to total assets | 81.7447% | 700 |
| Net loans and leases to deposits | 95.7114% | 1,105 |
| Net loans and leases to core deposits | 108.6978% | 1,071 |
| Total domestic deposits to total assets | 85.4075% | 2,644 |
| Equity capital to assets | 13.1494% | 1,303 |
| Core capital (leverage) ratio | 12.9693% | 1,185 |
| Tier 1 risk-based capital ratio | 14.5790% | 3,124 |
| Total risk-based capital ratio | 15.7404% | 3,093 |
| Memoranda: | ||
| Average total assets | $316,460,330 | 2,097 |
| Average earning assets | $306,928,670 | 2,019 |
| Average equity | $39,350,670 | 1,900 |
| Average total loans | $260,313,000 | 1,764 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 1,643 |
| Cost of funding earning assets | 0.4724% | 2,333 |
| Net interest margin | 3.9289% | 1,678 |
| Noninterest income to average assets | 0.1993% | 5,072 |
| Noninterest expense to average assets | 1.4142% | 5,684 |
| Loan and lease loss provision to assets | 0.2208% | 719 |
| Net operating income to assets | 2.3729% | 170 |
| Return on assets (ROA) | 2.3767% | 172 |
| Pretax return on assets | 2.3767% | 264 |
| Return on Equity (ROE) | 19.6757% | 248 |
| Retained earnings to average equity (ytd only) | 19.6757% | 111 |
| Net charge-offs to loans | 0.1662% | 979 |
| Credit loss provision to net charge-offs | 162.0370% | 1,155 |
| Earnings coverage of net charge-offs (x) | 19.0370% | 1,545 |
| Efficiency ratio | 35.0016% | 5,765 |
| Assets per employee ($millions) | 9.2065% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 3,231 |
| Loan loss allowance to noncurrent loans | 107.8297% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 1,606 |
| Noncurrent loans to loans | 1.0976% | 1,866 |
| Net loans and leases to total assets | 81.3626% | 642 |
| Net loans and leases to deposits | 98.7045% | 708 |
| Net loans and leases to core deposits | 111.8223% | 783 |
| Total domestic deposits to total assets | 82.4305% | 4,046 |
| Equity capital to assets | 12.2258% | 1,695 |
| Core capital (leverage) ratio | 12.5063% | 1,340 |
| Tier 1 risk-based capital ratio | 13.5257% | 3,764 |
| Total risk-based capital ratio | 14.5920% | 3,781 |
| Memoranda: | ||
| Average total assets | $317,079,000 | 2,109 |
| Average earning assets | $307,360,500 | 2,036 |
| Average equity | $38,301,000 | 1,949 |
| Average total loans | $259,974,500 | 1,773 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,031 |
| Cost of funding earning assets | 0.4376% | 2,632 |
| Net interest margin | 3.8965% | 1,977 |
| Noninterest income to average assets | 0.2028% | 5,201 |
| Noninterest expense to average assets | 1.5519% | 5,687 |
| Loan and lease loss provision to assets | 0.3339% | 531 |
| Net operating income to assets | 2.0899% | 268 |
| Return on assets (ROA) | 2.1411% | 256 |
| Pretax return on assets | 2.1411% | 365 |
| Return on Equity (ROE) | 17.5146% | 359 |
| Retained earnings to average equity (ytd only) | 2.2690% | 4,234 |
| Net charge-offs to loans | 0.1749% | 1,570 |
| Credit loss provision to net charge-offs | 239.9554% | 1,206 |
| Earnings coverage of net charge-offs (x) | 17.4174% | 2,047 |
| Efficiency ratio | 38.6593% | 5,805 |
| Assets per employee ($millions) | 8.4305% | 512 |
| Cash dividends to net income (ytd only)* | 87.0448% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 3,079 |
| Loan loss allowance to noncurrent loans | 264.0893% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 2,934 |
| Noncurrent loans to loans | 0.4571% | 3,517 |
| Net loans and leases to total assets | 80.6469% | 791 |
| Net loans and leases to deposits | 95.6844% | 1,029 |
| Net loans and leases to core deposits | 109.6614% | 923 |
| Total domestic deposits to total assets | 84.2842% | 3,327 |
| Equity capital to assets | 11.9280% | 1,859 |
| Core capital (leverage) ratio | 12.2050% | 1,473 |
| Tier 1 risk-based capital ratio | 13.2438% | 3,926 |
| Total risk-based capital ratio | 14.3162% | 3,936 |
| Memoranda: | ||
| Average total assets | $321,930,200 | 2,047 |
| Average earning assets | $311,711,800 | 1,965 |
| Average equity | $39,355,800 | 1,869 |
| Average total loans | $256,097,200 | 1,759 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,015 |
| Cost of funding earning assets | 0.4354% | 2,682 |
| Net interest margin | 3.9094% | 1,943 |
| Noninterest income to average assets | 0.2051% | 5,242 |
| Noninterest expense to average assets | 1.5317% | 5,735 |
| Loan and lease loss provision to assets | 0.2260% | 896 |
| Net operating income to assets | 2.2147% | 238 |
| Return on assets (ROA) | 2.2825% | 228 |
| Pretax return on assets | 2.2825% | 331 |
| Return on Equity (ROE) | 18.5625% | 324 |
| Retained earnings to average equity (ytd only) | 18.5625% | 72 |
| Net charge-offs to loans | -0.0749% | 5,490 |
| Credit loss provision to net charge-offs | -381.9444% | 5,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1957% | 5,859 |
| Assets per employee ($millions) | 8.4638% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 3,027 |
| Loan loss allowance to noncurrent loans | 85.6792% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 1,312 |
| Noncurrent loans to loans | 1.4440% | 1,500 |
| Net loans and leases to total assets | 80.0665% | 887 |
| Net loans and leases to deposits | 96.4076% | 1,014 |
| Net loans and leases to core deposits | 109.7284% | 934 |
| Total domestic deposits to total assets | 83.0499% | 3,572 |
| Equity capital to assets | 13.7479% | 1,144 |
| Core capital (leverage) ratio | 13.4613% | 1,015 |
| Tier 1 risk-based capital ratio | 14.7095% | 3,188 |
| Total risk-based capital ratio | 15.7916% | 3,203 |
| Memoranda: | ||
| Average total assets | $324,430,750 | 2,041 |
| Average earning assets | $312,639,000 | 1,960 |
| Average equity | $39,893,000 | 1,863 |
| Average total loans | $256,462,750 | 1,759 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,087 |
| Cost of funding earning assets | 0.4272% | 2,758 |
| Net interest margin | 3.8945% | 1,994 |
| Noninterest income to average assets | 0.2224% | 5,159 |
| Noninterest expense to average assets | 1.5333% | 5,813 |
| Loan and lease loss provision to assets | 0.2438% | 806 |
| Net operating income to assets | 2.2012% | 227 |
| Return on assets (ROA) | 2.2420% | 223 |
| Pretax return on assets | 2.2420% | 340 |
| Return on Equity (ROE) | 18.9445% | 302 |
| Retained earnings to average equity (ytd only) | 18.9445% | 71 |
| Net charge-offs to loans | -0.1018% | 5,626 |
| Credit loss provision to net charge-offs | -305.3435% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1740% | 5,941 |
| Assets per employee ($millions) | 8.7671% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,556 |
| Loan loss allowance to noncurrent loans | 122.9562% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 2,079 |
| Noncurrent loans to loans | 0.9470% | 2,387 |
| Net loans and leases to total assets | 80.0876% | 885 |
| Net loans and leases to deposits | 98.7560% | 813 |
| Net loans and leases to core deposits | 113.1975% | 763 |
| Total domestic deposits to total assets | 81.0964% | 4,247 |
| Equity capital to assets | 13.0592% | 1,465 |
| Core capital (leverage) ratio | 12.3289% | 1,441 |
| Tier 1 risk-based capital ratio | 13.8633% | 3,690 |
| Total risk-based capital ratio | 14.8748% | 3,743 |
| Memoranda: | ||
| Average total assets | $328,187,330 | 2,025 |
| Average earning assets | $316,498,670 | 1,953 |
| Average equity | $38,839,670 | 1,899 |
| Average total loans | $257,324,330 | 1,755 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 2,366 |
| Cost of funding earning assets | 0.4178% | 2,878 |
| Net interest margin | 3.8132% | 2,243 |
| Noninterest income to average assets | 0.1387% | 5,654 |
| Noninterest expense to average assets | 1.3466% | 5,985 |
| Loan and lease loss provision to assets | 0.1794% | 1,129 |
| Net operating income to assets | 2.2914% | 204 |
| Return on assets (ROA) | 2.2818% | 216 |
| Pretax return on assets | 2.2818% | 326 |
| Return on Equity (ROE) | 20.2704% | 226 |
| Retained earnings to average equity (ytd only) | 20.2704% | 88 |
| Net charge-offs to loans | -0.0992% | 5,631 |
| Credit loss provision to net charge-offs | -234.3750% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9311% | 6,036 |
| Assets per employee ($millions) | 8.4633% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,678 |
| Loan loss allowance to noncurrent loans | 380.2575% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 3,701 |
| Noncurrent loans to loans | 0.2597% | 4,506 |
| Net loans and leases to total assets | 78.7074% | 992 |
| Net loans and leases to deposits | 99.1143% | 683 |
| Net loans and leases to core deposits | 113.5595% | 688 |
| Total domestic deposits to total assets | 79.4107% | 4,877 |
| Equity capital to assets | 11.5647% | 2,379 |
| Core capital (leverage) ratio | 11.4714% | 1,994 |
| Tier 1 risk-based capital ratio | 12.3578% | 4,689 |
| Total risk-based capital ratio | 13.1993% | 4,860 |
| Memoranda: | ||
| Average total assets | $334,472,500 | 2,000 |
| Average earning assets | $322,672,000 | 1,921 |
| Average equity | $37,651,000 | 1,957 |
| Average total loans | $258,112,500 | 1,745 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 3,686 |
| Cost of funding earning assets | 0.3972% | 3,192 |
| Net interest margin | 3.5090% | 3,490 |
| Noninterest income to average assets | 0.1864% | 5,478 |
| Noninterest expense to average assets | 1.6271% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9385% | 385 |
| Return on assets (ROA) | 1.9583% | 381 |
| Pretax return on assets | 1.9583% | 587 |
| Return on Equity (ROE) | 16.5594% | 502 |
| Retained earnings to average equity (ytd only) | 4.6567% | 2,674 |
| Net charge-offs to loans | 0.1225% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 23.3203% | 1,735 |
| Efficiency ratio | 44.3220% | 5,972 |
| Assets per employee ($millions) | 8.2604% | 505 |
| Cash dividends to net income (ytd only)* | 71.8786% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,670 |
| Loan loss allowance to noncurrent loans | 1,367.0391% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 4,172 |
| Noncurrent loans to loans | 0.0724% | 5,215 |
| Net loans and leases to total assets | 74.0499% | 1,721 |
| Net loans and leases to deposits | 90.5157% | 1,550 |
| Net loans and leases to core deposits | 103.4466% | 1,260 |
| Total domestic deposits to total assets | 81.8089% | 4,223 |
| Equity capital to assets | 10.9414% | 2,881 |
| Core capital (leverage) ratio | 12.0292% | 1,602 |
| Tier 1 risk-based capital ratio | 12.6094% | 4,568 |
| Total risk-based capital ratio | 13.4401% | 4,733 |
| Memoranda: | ||
| Average total assets | $307,971,000 | 2,104 |
| Average earning assets | $296,578,000 | 2,039 |
| Average equity | $36,420,400 | 1,960 |
| Average total loans | $209,049,600 | 2,000 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 3,828 |
| Cost of funding earning assets | 0.4006% | 3,219 |
| Net interest margin | 3.4752% | 3,641 |
| Noninterest income to average assets | 0.1786% | 5,582 |
| Noninterest expense to average assets | 1.6743% | 5,925 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8476% | 466 |
| Return on assets (ROA) | 1.8745% | 463 |
| Pretax return on assets | 1.8745% | 760 |
| Return on Equity (ROE) | 15.5337% | 661 |
| Retained earnings to average equity (ytd only) | 15.5337% | 149 |
| Net charge-offs to loans | -0.0996% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1516% | 5,913 |
| Assets per employee ($millions) | 7.5057% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,817 |
| Loan loss allowance to noncurrent loans | 393.9227% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 3,524 |
| Noncurrent loans to loans | 0.3443% | 4,383 |
| Net loans and leases to total assets | 69.0898% | 2,522 |
| Net loans and leases to deposits | 79.8665% | 2,899 |
| Net loans and leases to core deposits | 91.4952% | 2,315 |
| Total domestic deposits to total assets | 86.5066% | 2,278 |
| Equity capital to assets | 12.9032% | 1,502 |
| Core capital (leverage) ratio | 13.1090% | 1,166 |
| Tier 1 risk-based capital ratio | 15.7422% | 2,929 |
| Total risk-based capital ratio | 16.8734% | 2,917 |
| Memoranda: | ||
| Average total assets | $302,360,000 | 2,151 |
| Average earning assets | $290,895,250 | 2,088 |
| Average equity | $36,487,500 | 1,968 |
| Average total loans | $199,532,250 | 2,076 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,013 |
| Cost of funding earning assets | 0.3968% | 3,311 |
| Net interest margin | 3.4171% | 3,844 |
| Noninterest income to average assets | 0.1637% | 5,722 |
| Noninterest expense to average assets | 1.6907% | 5,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.7580% | 561 |
| Return on assets (ROA) | 1.8055% | 532 |
| Pretax return on assets | 1.8055% | 889 |
| Return on Equity (ROE) | 15.3119% | 693 |
| Retained earnings to average equity (ytd only) | 15.3119% | 176 |
| Net charge-offs to loans | -0.1174% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5649% | 5,930 |
| Assets per employee ($millions) | 7.3169% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 2,839 |
| Loan loss allowance to noncurrent loans | 346.1916% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 3,464 |
| Noncurrent loans to loans | 0.3992% | 4,284 |
| Net loans and leases to total assets | 68.7052% | 2,533 |
| Net loans and leases to deposits | 78.9970% | 2,906 |
| Net loans and leases to core deposits | 89.9620% | 2,355 |
| Total domestic deposits to total assets | 86.9719% | 2,184 |
| Equity capital to assets | 12.4045% | 1,715 |
| Core capital (leverage) ratio | 12.7158% | 1,290 |
| Tier 1 risk-based capital ratio | 16.6156% | 2,557 |
| Total risk-based capital ratio | 17.8422% | 2,525 |
| Memoranda: | ||
| Average total assets | $303,070,670 | 2,164 |
| Average earning assets | $291,360,000 | 2,103 |
| Average equity | $35,737,000 | 2,014 |
| Average total loans | $195,950,000 | 2,120 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,434 |
| Cost of funding earning assets | 0.3904% | 3,409 |
| Net interest margin | 3.2903% | 4,259 |
| Noninterest income to average assets | 0.1804% | 5,636 |
| Noninterest expense to average assets | 1.6207% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7206% | 568 |
| Return on assets (ROA) | 1.7556% | 554 |
| Pretax return on assets | 1.7556% | 943 |
| Return on Equity (ROE) | 15.2653% | 674 |
| Retained earnings to average equity (ytd only) | 15.2653% | 264 |
| Net charge-offs to loans | -0.1813% | 6,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0388% | 6,017 |
| Assets per employee ($millions) | 7.9801% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4575% | 2,636 |
| Loan loss allowance to noncurrent loans | 264.6168% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 3,371 |
| Noncurrent loans to loans | 0.5508% | 3,927 |
| Net loans and leases to total assets | 60.7609% | 3,553 |
| Net loans and leases to deposits | 69.8226% | 3,767 |
| Net loans and leases to core deposits | 77.9574% | 3,381 |
| Total domestic deposits to total assets | 87.0218% | 2,355 |
| Equity capital to assets | 11.7385% | 2,252 |
| Core capital (leverage) ratio | 12.0408% | 1,617 |
| Tier 1 risk-based capital ratio | 16.5261% | 2,673 |
| Total risk-based capital ratio | 17.7760% | 2,615 |
| Memoranda: | ||
| Average total assets | $308,268,500 | 2,142 |
| Average earning assets | $296,142,500 | 2,076 |
| Average equity | $35,453,000 | 2,038 |
| Average total loans | $191,974,500 | 2,162 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,888 |
| Cost of funding earning assets | 0.4367% | 3,313 |
| Net interest margin | 3.2302% | 4,828 |
| Noninterest income to average assets | 0.2619% | 5,262 |
| Noninterest expense to average assets | 1.5777% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7852% | 489 |
| Return on assets (ROA) | 1.5208% | 874 |
| Pretax return on assets | 1.5208% | 1,473 |
| Return on Equity (ROE) | 13.1956% | 1,091 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,670 |
| Net charge-offs to loans | -0.2037% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7117% | 6,234 |
| Assets per employee ($millions) | 7.4467% | 677 |
| Cash dividends to net income (ytd only)* | 72.8328% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,917 |
| Loan loss allowance to noncurrent loans | 143.3192% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 2,736 |
| Noncurrent loans to loans | 0.9820% | 2,872 |
| Net loans and leases to total assets | 62.0171% | 3,498 |
| Net loans and leases to deposits | 70.9292% | 3,794 |
| Net loans and leases to core deposits | 79.0867% | 3,398 |
| Total domestic deposits to total assets | 87.4352% | 2,067 |
| Equity capital to assets | 11.2582% | 2,641 |
| Core capital (leverage) ratio | 12.1658% | 1,521 |
| Tier 1 risk-based capital ratio | 16.1372% | 2,895 |
| Total risk-based capital ratio | 17.3721% | 2,845 |
| Memoranda: | ||
| Average total assets | $277,617,400 | 2,300 |
| Average earning assets | $266,517,200 | 2,228 |
| Average equity | $31,995,400 | 2,164 |
| Average total loans | $163,959,600 | 2,390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6974% | 4,870 |
| Cost of funding earning assets | 0.4389% | 3,376 |
| Net interest margin | 3.2585% | 4,768 |
| Noninterest income to average assets | 0.2941% | 5,093 |
| Noninterest expense to average assets | 1.5668% | 6,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8609% | 451 |
| Return on assets (ROA) | 1.5353% | 907 |
| Pretax return on assets | 1.5353% | 1,525 |
| Return on Equity (ROE) | 13.2349% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.2349% | 306 |
| Net charge-offs to loans | -0.5386% | 6,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7106% | 6,303 |
| Assets per employee ($millions) | 7.0078% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 1,766 |
| Loan loss allowance to noncurrent loans | 228.1915% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8910% | 3,211 |
| Noncurrent loans to loans | 0.7752% | 3,645 |
| Net loans and leases to total assets | 58.0379% | 4,062 |
| Net loans and leases to deposits | 67.3277% | 4,204 |
| Net loans and leases to core deposits | 75.3949% | 3,819 |
| Total domestic deposits to total assets | 86.2021% | 2,754 |
| Equity capital to assets | 12.1193% | 1,966 |
| Core capital (leverage) ratio | 14.0582% | 831 |
| Tier 1 risk-based capital ratio | 18.8873% | 1,934 |
| Total risk-based capital ratio | 20.1405% | 1,904 |
| Memoranda: | ||
| Average total assets | $270,693,250 | 2,370 |
| Average earning assets | $260,317,500 | 2,288 |
| Average equity | $31,401,000 | 2,206 |
| Average total loans | $156,937,000 | 2,478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 4,913 |
| Cost of funding earning assets | 0.4445% | 3,392 |
| Net interest margin | 3.2390% | 4,810 |
| Noninterest income to average assets | 0.3228% | 4,834 |
| Noninterest expense to average assets | 1.4271% | 6,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0064% | 333 |
| Return on assets (ROA) | 1.6888% | 619 |
| Pretax return on assets | 1.6888% | 1,041 |
| Return on Equity (ROE) | 14.7979% | 822 |
| Retained earnings to average equity (ytd only) | 14.7979% | 223 |
| Net charge-offs to loans | -0.0616% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5641% | 6,493 |
| Assets per employee ($millions) | 7.2225% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 3,294 |
| Loan loss allowance to noncurrent loans | 127.1579% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.1547% | 2,768 |
| Noncurrent loans to loans | 1.1098% | 3,005 |
| Net loans and leases to total assets | 61.4993% | 3,484 |
| Net loans and leases to deposits | 71.3562% | 3,657 |
| Net loans and leases to core deposits | 79.9720% | 3,217 |
| Total domestic deposits to total assets | 86.1864% | 2,943 |
| Equity capital to assets | 12.0275% | 1,961 |
| Core capital (leverage) ratio | 13.8737% | 868 |
| Tier 1 risk-based capital ratio | 18.5303% | 2,054 |
| Total risk-based capital ratio | 19.7581% | 2,017 |
| Memoranda: | ||
| Average total assets | $265,151,330 | 2,406 |
| Average earning assets | $254,644,000 | 2,317 |
| Average equity | $30,261,000 | 2,260 |
| Average total loans | $152,663,670 | 2,535 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 5,136 |
| Cost of funding earning assets | 0.4632% | 3,278 |
| Net interest margin | 3.1488% | 5,094 |
| Noninterest income to average assets | 0.1474% | 6,086 |
| Noninterest expense to average assets | 1.2868% | 6,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9086% | 387 |
| Return on assets (ROA) | 1.5294% | 803 |
| Pretax return on assets | 1.5294% | 1,341 |
| Return on Equity (ROE) | 13.7919% | 978 |
| Retained earnings to average equity (ytd only) | 13.7919% | 410 |
| Net charge-offs to loans | -0.0307% | 5,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2691% | 6,587 |
| Assets per employee ($millions) | 7.0235% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 2,642 |
| Loan loss allowance to noncurrent loans | 96.5517% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 2,765 |
| Noncurrent loans to loans | 1.6710% | 2,320 |
| Net loans and leases to total assets | 54.3813% | 4,370 |
| Net loans and leases to deposits | 62.6576% | 4,469 |
| Net loans and leases to core deposits | 70.2082% | 4,066 |
| Total domestic deposits to total assets | 86.7913% | 2,941 |
| Equity capital to assets | 11.3607% | 2,366 |
| Core capital (leverage) ratio | 13.7527% | 908 |
| Tier 1 risk-based capital ratio | 20.1468% | 1,684 |
| Total risk-based capital ratio | 21.3983% | 1,654 |
| Memoranda: | ||
| Average total assets | $260,499,500 | 2,451 |
| Average earning assets | $252,157,500 | 2,337 |
| Average equity | $28,886,500 | 2,333 |
| Average total loans | $143,393,500 | 2,688 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 4,401 |
| Cost of funding earning assets | 0.5611% | 3,010 |
| Net interest margin | 3.3550% | 4,462 |
| Noninterest income to average assets | 0.2425% | 5,611 |
| Noninterest expense to average assets | 1.5817% | 6,522 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8690% | 424 |
| Return on assets (ROA) | 1.9049% | 405 |
| Pretax return on assets | 1.9049% | 594 |
| Return on Equity (ROE) | 14.3094% | 887 |
| Retained earnings to average equity (ytd only) | 2.1677% | 4,705 |
| Net charge-offs to loans | 0.0172% | 5,105 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 192.0435% | 233 |
| Efficiency ratio | 45.8369% | 6,565 |
| Assets per employee ($millions) | 6.6870% | 902 |
| Cash dividends to net income (ytd only)* | 84.8512% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7010% | 2,400 |
| Loan loss allowance to noncurrent loans | 84.8800% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.4577% | 2,555 |
| Noncurrent loans to loans | 2.0041% | 1,987 |
| Net loans and leases to total assets | 53.8744% | 4,592 |
| Net loans and leases to deposits | 61.7489% | 4,745 |
| Net loans and leases to core deposits | 68.8002% | 4,422 |
| Total domestic deposits to total assets | 87.2474% | 2,604 |
| Equity capital to assets | 10.8034% | 2,811 |
| Core capital (leverage) ratio | 13.5894% | 929 |
| Tier 1 risk-based capital ratio | 20.4221% | 1,556 |
| Total risk-based capital ratio | 21.6741% | 1,526 |
| Memoranda: | ||
| Average total assets | $236,331,800 | 2,654 |
| Average earning assets | $225,990,000 | 2,557 |
| Average equity | $31,461,800 | 2,156 |
| Average total loans | $133,928,400 | 2,792 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 4,210 |
| Cost of funding earning assets | 0.5419% | 3,347 |
| Net interest margin | 3.4383% | 4,130 |
| Noninterest income to average assets | 0.2490% | 5,650 |
| Noninterest expense to average assets | 1.5047% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0205% | 352 |
| Return on assets (ROA) | 2.0734% | 327 |
| Pretax return on assets | 2.0734% | 499 |
| Return on Equity (ROE) | 14.8098% | 832 |
| Retained earnings to average equity (ytd only) | 10.7028% | 640 |
| Net charge-offs to loans | -0.2494% | 6,690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6847% | 6,688 |
| Assets per employee ($millions) | 6.2857% | 1,051 |
| Cash dividends to net income (ytd only)* | 27.7316% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 1,850 |
| Loan loss allowance to noncurrent loans | 87.9707% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 2,496 |
| Noncurrent loans to loans | 2.2174% | 2,001 |
| Net loans and leases to total assets | 55.5543% | 4,382 |
| Net loans and leases to deposits | 65.4094% | 4,367 |
| Net loans and leases to core deposits | 72.9171% | 3,982 |
| Total domestic deposits to total assets | 84.9333% | 3,779 |
| Equity capital to assets | 12.7482% | 1,450 |
| Core capital (leverage) ratio | 15.3538% | 584 |
| Tier 1 risk-based capital ratio | 22.8595% | 1,169 |
| Total risk-based capital ratio | 24.1147% | 1,151 |
| Memoranda: | ||
| Average total assets | $231,888,250 | 2,713 |
| Average earning assets | $220,957,250 | 2,620 |
| Average equity | $32,464,250 | 2,126 |
| Average total loans | $132,593,750 | 2,828 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 4,406 |
| Cost of funding earning assets | 0.5426% | 3,481 |
| Net interest margin | 3.3770% | 4,275 |
| Noninterest income to average assets | 0.2570% | 5,613 |
| Noninterest expense to average assets | 1.5725% | 6,613 |
| Loan and lease loss provision to assets | 0.0009% | 4,777 |
| Net operating income to assets | 1.8827% | 438 |
| Return on assets (ROA) | 2.1362% | 308 |
| Pretax return on assets | 2.1362% | 476 |
| Return on Equity (ROE) | 14.7998% | 845 |
| Retained earnings to average equity (ytd only) | 8.7640% | 1,195 |
| Net charge-offs to loans | -0.2400% | 6,711 |
| Credit loss provision to net charge-offs | -0.6329% | 5,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5004% | 6,662 |
| Assets per employee ($millions) | 5.7026% | 1,418 |
| Cash dividends to net income (ytd only)* | 40.7830% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9044% | 2,106 |
| Loan loss allowance to noncurrent loans | 75.3619% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.9213% | 2,257 |
| Noncurrent loans to loans | 2.5270% | 1,829 |
| Net loans and leases to total assets | 59.0845% | 3,814 |
| Net loans and leases to deposits | 70.3090% | 3,678 |
| Net loans and leases to core deposits | 80.3056% | 2,990 |
| Total domestic deposits to total assets | 84.0355% | 4,300 |
| Equity capital to assets | 13.8732% | 1,003 |
| Core capital (leverage) ratio | 15.3344% | 557 |
| Tier 1 risk-based capital ratio | 22.6882% | 1,187 |
| Total risk-based capital ratio | 23.9434% | 1,161 |
| Memoranda: | ||
| Average total assets | $229,565,000 | 2,745 |
| Average earning assets | $217,472,000 | 2,671 |
| Average equity | $33,135,670 | 2,102 |
| Average total loans | $131,679,670 | 2,850 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,781 |
| Cost of funding earning assets | 0.5400% | 3,678 |
| Net interest margin | 3.2741% | 4,618 |
| Noninterest income to average assets | 0.2505% | 5,668 |
| Noninterest expense to average assets | 1.5012% | 6,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8495% | 437 |
| Return on assets (ROA) | 2.1240% | 304 |
| Pretax return on assets | 2.1240% | 470 |
| Return on Equity (ROE) | 14.4472% | 873 |
| Retained earnings to average equity (ytd only) | 14.4472% | 404 |
| Net charge-offs to loans | -0.1501% | 6,603 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8029% | 6,741 |
| Assets per employee ($millions) | 5.9010% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8219% | 2,545 |
| Loan loss allowance to noncurrent loans | 66.5123% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 2,308 |
| Noncurrent loans to loans | 2.7392% | 1,857 |
| Net loans and leases to total assets | 57.1565% | 3,894 |
| Net loans and leases to deposits | 68.8680% | 3,654 |
| Net loans and leases to core deposits | 77.3583% | 3,151 |
| Total domestic deposits to total assets | 82.9943% | 4,856 |
| Equity capital to assets | 14.9587% | 765 |
| Core capital (leverage) ratio | 15.1076% | 577 |
| Tier 1 risk-based capital ratio | 22.0132% | 1,329 |
| Total risk-based capital ratio | 23.2673% | 1,300 |
| Memoranda: | ||
| Average total assets | $233,147,500 | 2,742 |
| Average earning assets | $220,760,500 | 2,662 |
| Average equity | $34,276,500 | 2,057 |
| Average total loans | $130,542,000 | 2,884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 5,411 |
| Cost of funding earning assets | 0.5954% | 4,401 |
| Net interest margin | 3.3682% | 5,006 |
| Noninterest income to average assets | 0.2646% | 5,566 |
| Noninterest expense to average assets | 1.7125% | 6,714 |
| Loan and lease loss provision to assets | 0.0457% | 5,270 |
| Net operating income to assets | 1.7433% | 563 |
| Return on assets (ROA) | 1.9577% | 424 |
| Pretax return on assets | 1.9577% | 659 |
| Return on Equity (ROE) | 12.3494% | 1,406 |
| Retained earnings to average equity (ytd only) | 3.0303% | 4,103 |
| Net charge-offs to loans | -0.0345% | 6,636 |
| Credit loss provision to net charge-offs | -229.5455% | 6,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9084% | 6,654 |
| Assets per employee ($millions) | 6.0553% | 1,249 |
| Cash dividends to net income (ytd only)* | 75.4621% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 2,345 |
| Loan loss allowance to noncurrent loans | 74.1246% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 2,717 |
| Noncurrent loans to loans | 2.5389% | 2,083 |
| Net loans and leases to total assets | 52.8090% | 4,786 |
| Net loans and leases to deposits | 63.3231% | 4,626 |
| Net loans and leases to core deposits | 70.6878% | 4,205 |
| Total domestic deposits to total assets | 83.3961% | 4,565 |
| Equity capital to assets | 14.4511% | 893 |
| Core capital (leverage) ratio | 14.5305% | 666 |
| Tier 1 risk-based capital ratio | 22.2961% | 1,215 |
| Total risk-based capital ratio | 23.5506% | 1,188 |
| Memoranda: | ||
| Average total assets | $221,078,000 | 2,833 |
| Average earning assets | $212,456,000 | 2,703 |
| Average equity | $35,046,200 | 1,971 |
| Average total loans | $127,704,800 | 2,920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 5,478 |
| Cost of funding earning assets | 0.5994% | 4,656 |
| Net interest margin | 3.4141% | 4,984 |
| Noninterest income to average assets | 0.2779% | 5,552 |
| Noninterest expense to average assets | 1.7112% | 6,779 |
| Loan and lease loss provision to assets | 0.0626% | 4,928 |
| Net operating income to assets | 1.8173% | 545 |
| Return on assets (ROA) | 2.0536% | 398 |
| Pretax return on assets | 2.0536% | 621 |
| Return on Equity (ROE) | 12.6504% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.1731% | 1,163 |
| Net charge-offs to loans | 0.1105% | 4,286 |
| Credit loss provision to net charge-offs | 96.2264% | 3,100 |
| Earnings coverage of net charge-offs (x) | 28.9056% | 1,128 |
| Efficiency ratio | 47.6508% | 6,737 |
| Assets per employee ($millions) | 5.8038% | 1,372 |
| Cash dividends to net income (ytd only)* | 27.4874% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 2,825 |
| Loan loss allowance to noncurrent loans | 81.9810% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.4327% | 3,459 |
| Noncurrent loans to loans | 2.1817% | 2,643 |
| Net loans and leases to total assets | 54.4127% | 4,689 |
| Net loans and leases to deposits | 66.6162% | 4,390 |
| Net loans and leases to core deposits | 74.5980% | 3,902 |
| Total domestic deposits to total assets | 81.6809% | 5,135 |
| Equity capital to assets | 16.0514% | 597 |
| Core capital (leverage) ratio | 15.3520% | 558 |
| Tier 1 risk-based capital ratio | 23.8011% | 1,047 |
| Total risk-based capital ratio | 25.0546% | 1,028 |
| Memoranda: | ||
| Average total assets | $217,308,750 | 2,887 |
| Average earning assets | $210,885,750 | 2,750 |
| Average equity | $35,276,000 | 1,975 |
| Average total loans | $127,855,250 | 2,956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 5,384 |
| Cost of funding earning assets | 0.5958% | 4,939 |
| Net interest margin | 3.4865% | 4,734 |
| Noninterest income to average assets | 0.2949% | 5,445 |
| Noninterest expense to average assets | 1.7882% | 6,767 |
| Loan and lease loss provision to assets | 0.0952% | 4,355 |
| Net operating income to assets | 1.7975% | 567 |
| Return on assets (ROA) | 1.9328% | 503 |
| Pretax return on assets | 1.9328% | 797 |
| Return on Equity (ROE) | 11.8600% | 1,712 |
| Retained earnings to average equity (ytd only) | 11.8600% | 607 |
| Net charge-offs to loans | 0.6280% | 1,748 |
| Credit loss provision to net charge-offs | 25.2475% | 4,525 |
| Earnings coverage of net charge-offs (x) | 5.0198% | 2,930 |
| Efficiency ratio | 48.5801% | 6,739 |
| Assets per employee ($millions) | 6.5584% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5702% | 3,705 |
| Loan loss allowance to noncurrent loans | 59.1545% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5674% | 3,357 |
| Noncurrent loans to loans | 2.6544% | 2,263 |
| Net loans and leases to total assets | 54.6779% | 4,678 |
| Net loans and leases to deposits | 67.1258% | 4,340 |
| Net loans and leases to core deposits | 74.0091% | 4,036 |
| Total domestic deposits to total assets | 81.4558% | 5,312 |
| Equity capital to assets | 16.2338% | 540 |
| Core capital (leverage) ratio | 15.7296% | 494 |
| Tier 1 risk-based capital ratio | 24.3587% | 976 |
| Total risk-based capital ratio | 25.6101% | 954 |
| Memoranda: | ||
| Average total assets | $214,295,670 | 2,930 |
| Average earning assets | $208,119,670 | 2,788 |
| Average equity | $34,924,000 | 1,974 |
| Average total loans | $128,672,000 | 2,950 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 5,037 |
| Cost of funding earning assets | 0.6167% | 4,993 |
| Net interest margin | 3.6038% | 4,257 |
| Noninterest income to average assets | 0.3620% | 4,981 |
| Noninterest expense to average assets | 1.6937% | 6,905 |
| Loan and lease loss provision to assets | 0.1905% | 3,043 |
| Net operating income to assets | 1.9738% | 441 |
| Return on assets (ROA) | 1.9738% | 507 |
| Pretax return on assets | 1.9738% | 771 |
| Return on Equity (ROE) | 12.0864% | 1,659 |
| Retained earnings to average equity (ytd only) | 12.0864% | 814 |
| Net charge-offs to loans | 1.4618% | 687 |
| Credit loss provision to net charge-offs | 20.8768% | 3,760 |
| Earnings coverage of net charge-offs (x) | 2.3716% | 3,227 |
| Efficiency ratio | 43.9012% | 6,996 |
| Assets per employee ($millions) | 6.4720% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 4,343 |
| Loan loss allowance to noncurrent loans | 56.0288% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6598% | 3,364 |
| Noncurrent loans to loans | 2.6035% | 2,497 |
| Net loans and leases to total assets | 59.0850% | 3,840 |
| Net loans and leases to deposits | 72.3163% | 3,381 |
| Net loans and leases to core deposits | 80.3505% | 3,031 |
| Total domestic deposits to total assets | 81.7036% | 5,396 |
| Equity capital to assets | 16.2906% | 534 |
| Core capital (leverage) ratio | 15.9925% | 463 |
| Tier 1 risk-based capital ratio | 23.3114% | 1,095 |
| Total risk-based capital ratio | 24.5624% | 1,072 |
| Memoranda: | ||
| Average total assets | $209,950,500 | 2,991 |
| Average earning assets | $203,676,500 | 2,853 |
| Average equity | $34,286,500 | 2,015 |
| Average total loans | $131,073,500 | 2,924 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 4,969 |
| Cost of funding earning assets | 0.8293% | 4,630 |
| Net interest margin | 3.6975% | 4,307 |
| Noninterest income to average assets | 0.3807% | 4,781 |
| Noninterest expense to average assets | 1.7604% | 7,001 |
| Loan and lease loss provision to assets | 0.1283% | 5,012 |
| Net operating income to assets | 2.0651% | 273 |
| Return on assets (ROA) | 2.1759% | 248 |
| Pretax return on assets | 2.1759% | 387 |
| Return on Equity (ROE) | 12.6833% | 1,235 |
| Retained earnings to average equity (ytd only) | 3.4751% | 3,746 |
| Net charge-offs to loans | 0.4020% | 3,409 |
| Credit loss provision to net charge-offs | 46.4684% | 5,503 |
| Earnings coverage of net charge-offs (x) | 7.9461% | 2,235 |
| Efficiency ratio | 44.5237% | 7,108 |
| Assets per employee ($millions) | 6.4476% | 984 |
| Cash dividends to net income (ytd only)* | 72.6008% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 3,295 |
| Loan loss allowance to noncurrent loans | 55.3721% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 1.9954% | 2,968 |
| Noncurrent loans to loans | 3.0264% | 2,148 |
| Net loans and leases to total assets | 63.8995% | 3,209 |
| Net loans and leases to deposits | 79.3161% | 2,640 |
| Net loans and leases to core deposits | 86.8014% | 2,527 |
| Total domestic deposits to total assets | 80.5631% | 5,574 |
| Equity capital to assets | 16.3723% | 531 |
| Core capital (leverage) ratio | 15.8095% | 484 |
| Tier 1 risk-based capital ratio | 22.2049% | 1,207 |
| Total risk-based capital ratio | 23.4588% | 1,181 |
| Memoranda: | ||
| Average total assets | $194,903,600 | 3,116 |
| Average earning assets | $188,344,600 | 2,984 |
| Average equity | $33,437,600 | 1,990 |
| Average total loans | $133,842,800 | 2,925 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 4,937 |
| Cost of funding earning assets | 0.8386% | 4,867 |
| Net interest margin | 3.7431% | 4,143 |
| Noninterest income to average assets | 0.4013% | 4,660 |
| Noninterest expense to average assets | 1.7690% | 7,031 |
| Loan and lease loss provision to assets | 0.1736% | 4,300 |
| Net operating income to assets | 2.0751% | 304 |
| Return on assets (ROA) | 2.2056% | 271 |
| Pretax return on assets | 2.2056% | 419 |
| Return on Equity (ROE) | 12.7006% | 1,359 |
| Retained earnings to average equity (ytd only) | 11.2015% | 596 |
| Net charge-offs to loans | 0.7216% | 2,110 |
| Credit loss provision to net charge-offs | 34.5304% | 5,351 |
| Earnings coverage of net charge-offs (x) | 4.4738% | 3,061 |
| Efficiency ratio | 44.0297% | 7,143 |
| Assets per employee ($millions) | 5.3702% | 1,738 |
| Cash dividends to net income (ytd only)* | 11.8037% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 3,470 |
| Loan loss allowance to noncurrent loans | 45.3965% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2870% | 2,798 |
| Noncurrent loans to loans | 3.6206% | 1,895 |
| Net loans and leases to total assets | 60.4370% | 4,052 |
| Net loans and leases to deposits | 76.5685% | 3,236 |
| Net loans and leases to core deposits | 84.1317% | 3,047 |
| Total domestic deposits to total assets | 78.9319% | 6,002 |
| Equity capital to assets | 17.4408% | 445 |
| Core capital (leverage) ratio | 17.1289% | 387 |
| Tier 1 risk-based capital ratio | 24.3996% | 969 |
| Total risk-based capital ratio | 25.6526% | 954 |
| Memoranda: | ||
| Average total assets | $192,048,500 | 3,173 |
| Average earning assets | $185,547,750 | 3,032 |
| Average equity | $33,352,000 | 1,998 |
| Average total loans | $133,781,750 | 2,945 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 4,523 |
| Cost of funding earning assets | 0.8663% | 4,938 |
| Net interest margin | 3.8363% | 3,611 |
| Noninterest income to average assets | 0.3871% | 4,780 |
| Noninterest expense to average assets | 1.8549% | 7,007 |
| Loan and lease loss provision to assets | 0.2659% | 3,276 |
| Net operating income to assets | 1.9730% | 357 |
| Return on assets (ROA) | 2.1495% | 286 |
| Pretax return on assets | 2.1495% | 448 |
| Return on Equity (ROE) | 12.3966% | 1,380 |
| Retained earnings to average equity (ytd only) | 10.8631% | 691 |
| Net charge-offs to loans | 0.9445% | 1,655 |
| Credit loss provision to net charge-offs | 38.7597% | 4,838 |
| Earnings coverage of net charge-offs (x) | 3.2636% | 3,237 |
| Efficiency ratio | 45.3105% | 7,186 |
| Assets per employee ($millions) | 5.4564% | 1,608 |
| Cash dividends to net income (ytd only)* | 12.3701% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,468 |
| Loan loss allowance to noncurrent loans | 43.6646% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.5602% | 2,608 |
| Noncurrent loans to loans | 3.7943% | 1,843 |
| Net loans and leases to total assets | 64.6685% | 3,325 |
| Net loans and leases to deposits | 81.8892% | 2,473 |
| Net loans and leases to core deposits | 88.4819% | 2,573 |
| Total domestic deposits to total assets | 78.9707% | 6,095 |
| Equity capital to assets | 17.2407% | 462 |
| Core capital (leverage) ratio | 17.2910% | 382 |
| Tier 1 risk-based capital ratio | 23.4935% | 1,060 |
| Total risk-based capital ratio | 24.7470% | 1,045 |
| Memoranda: | ||
| Average total assets | $188,042,330 | 3,254 |
| Average earning assets | $181,685,000 | 3,103 |
| Average equity | $32,605,670 | 2,021 |
| Average total loans | $136,578,000 | 2,924 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 3,779 |
| Cost of funding earning assets | 0.8833% | 5,037 |
| Net interest margin | 3.9750% | 2,798 |
| Noninterest income to average assets | 0.2415% | 5,970 |
| Noninterest expense to average assets | 1.8515% | 7,070 |
| Loan and lease loss provision to assets | 0.5439% | 1,592 |
| Net operating income to assets | 1.6840% | 587 |
| Return on assets (ROA) | 1.6840% | 622 |
| Pretax return on assets | 1.6840% | 1,009 |
| Return on Equity (ROE) | 9.6824% | 2,216 |
| Retained earnings to average equity (ytd only) | 8.1187% | 1,685 |
| Net charge-offs to loans | 1.4571% | 931 |
| Credit loss provision to net charge-offs | 48.9237% | 3,773 |
| Earnings coverage of net charge-offs (x) | 2.0039% | 3,303 |
| Efficiency ratio | 45.3867% | 7,228 |
| Assets per employee ($millions) | 5.2148% | 1,880 |
| Cash dividends to net income (ytd only)* | 16.1499% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,443 |
| Loan loss allowance to noncurrent loans | 50.9180% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 2.4482% | 2,777 |
| Noncurrent loans to loans | 3.2821% | 2,291 |
| Net loans and leases to total assets | 71.2717% | 1,866 |
| Net loans and leases to deposits | 90.4860% | 1,180 |
| Net loans and leases to core deposits | 98.2841% | 1,495 |
| Total domestic deposits to total assets | 78.7654% | 6,246 |
| Equity capital to assets | 17.2438% | 420 |
| Core capital (leverage) ratio | 17.2434% | 380 |
| Tier 1 risk-based capital ratio | 21.6882% | 1,283 |
| Total risk-based capital ratio | 22.9417% | 1,256 |
| Memoranda: | ||
| Average total assets | $183,848,000 | 3,340 |
| Average earning assets | $177,507,500 | 3,189 |
| Average equity | $31,975,500 | 2,050 |
| Average total loans | $140,282,500 | 2,882 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 3,935 |
| Cost of funding earning assets | 1.1124% | 5,070 |
| Net interest margin | 4.0217% | 2,919 |
| Noninterest income to average assets | 0.4821% | 4,307 |
| Noninterest expense to average assets | 2.1198% | 6,798 |
| Loan and lease loss provision to assets | 0.5845% | 2,797 |
| Net operating income to assets | 1.6561% | 563 |
| Return on assets (ROA) | 1.7379% | 524 |
| Pretax return on assets | 1.7379% | 877 |
| Return on Equity (ROE) | 9.8853% | 1,973 |
| Retained earnings to average equity (ytd only) | 5.9939% | 1,821 |
| Net charge-offs to loans | 0.8214% | 2,583 |
| Credit loss provision to net charge-offs | 89.4378% | 5,149 |
| Earnings coverage of net charge-offs (x) | 3.4284% | 3,364 |
| Efficiency ratio | 48.6148% | 7,226 |
| Assets per employee ($millions) | 4.8639% | 2,329 |
| Cash dividends to net income (ytd only)* | 39.3658% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7544% | 3,009 |
| Loan loss allowance to noncurrent loans | 51.9574% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.8017% | 2,500 |
| Noncurrent loans to loans | 3.3767% | 2,252 |
| Net loans and leases to total assets | 78.8803% | 821 |
| Net loans and leases to deposits | 100.7774% | 536 |
| Net loans and leases to core deposits | 110.3916% | 896 |
| Total domestic deposits to total assets | 78.2719% | 6,260 |
| Equity capital to assets | 17.5473% | 402 |
| Core capital (leverage) ratio | 17.4038% | 368 |
| Tier 1 risk-based capital ratio | 20.6597% | 1,370 |
| Total risk-based capital ratio | 21.9153% | 1,351 |
| Memoranda: | ||
| Average total assets | $179,638,800 | 3,382 |
| Average earning assets | $173,235,600 | 3,221 |
| Average equity | $31,582,200 | 2,077 |
| Average total loans | $142,929,800 | 2,887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 3,925 |
| Cost of funding earning assets | 1.0702% | 5,592 |
| Net interest margin | 4.1129% | 2,566 |
| Noninterest income to average assets | 0.5287% | 3,950 |
| Noninterest expense to average assets | 1.9143% | 7,182 |
| Loan and lease loss provision to assets | 0.7797% | 1,955 |
| Net operating income to assets | 1.7985% | 505 |
| Return on assets (ROA) | 1.8593% | 490 |
| Pretax return on assets | 1.8593% | 831 |
| Return on Equity (ROE) | 10.5708% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.5708% | 670 |
| Net charge-offs to loans | 0.6688% | 2,755 |
| Credit loss provision to net charge-offs | 146.8531% | 2,675 |
| Earnings coverage of net charge-offs (x) | 4.8559% | 2,914 |
| Efficiency ratio | 42.6116% | 7,509 |
| Assets per employee ($millions) | 4.7969% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1618% | 1,870 |
| Loan loss allowance to noncurrent loans | 58.1359% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 2.9670% | 2,447 |
| Noncurrent loans to loans | 3.7186% | 2,092 |
| Net loans and leases to total assets | 76.3439% | 1,344 |
| Net loans and leases to deposits | 99.5796% | 685 |
| Net loans and leases to core deposits | 109.6501% | 1,056 |
| Total domestic deposits to total assets | 76.6662% | 6,547 |
| Equity capital to assets | 18.4725% | 378 |
| Core capital (leverage) ratio | 17.9753% | 353 |
| Tier 1 risk-based capital ratio | 21.9533% | 1,214 |
| Total risk-based capital ratio | 23.2133% | 1,185 |
| Memoranda: | ||
| Average total assets | $179,557,250 | 3,426 |
| Average earning assets | $173,045,750 | 3,268 |
| Average equity | $31,583,000 | 2,092 |
| Average total loans | $142,539,250 | 2,928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 3,632 |
| Cost of funding earning assets | 1.0918% | 5,720 |
| Net interest margin | 4.1713% | 2,256 |
| Noninterest income to average assets | 0.6369% | 3,084 |
| Noninterest expense to average assets | 2.0760% | 6,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.5798% | 124 |
| Return on assets (ROA) | 2.7074% | 113 |
| Pretax return on assets | 2.7074% | 173 |
| Return on Equity (ROE) | 15.6501% | 747 |
| Retained earnings to average equity (ytd only) | 15.6501% | 207 |
| Net charge-offs to loans | 1.0550% | 1,781 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.0632% | 3,472 |
| Efficiency ratio | 44.5901% | 7,504 |
| Assets per employee ($millions) | 4.5593% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,666 |
| Loan loss allowance to noncurrent loans | 42.7832% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.6158% | 2,763 |
| Noncurrent loans to loans | 3.1632% | 2,531 |
| Net loans and leases to total assets | 79.9382% | 809 |
| Net loans and leases to deposits | 105.6939% | 408 |
| Net loans and leases to core deposits | 115.6271% | 860 |
| Total domestic deposits to total assets | 75.6319% | 6,759 |
| Equity capital to assets | 18.8364% | 354 |
| Core capital (leverage) ratio | 17.6385% | 385 |
| Tier 1 risk-based capital ratio | 21.6764% | 1,247 |
| Total risk-based capital ratio | 22.9271% | 1,223 |
| Memoranda: | ||
| Average total assets | $180,248,000 | 3,440 |
| Average earning assets | $173,664,000 | 3,277 |
| Average equity | $31,182,000 | 2,112 |
| Average total loans | $143,888,000 | 2,941 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 4,029 |
| Cost of funding earning assets | 1.0965% | 5,928 |
| Net interest margin | 4.1016% | 2,432 |
| Noninterest income to average assets | 0.2917% | 5,812 |
| Noninterest expense to average assets | 1.9288% | 7,287 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3206% | 203 |
| Return on assets (ROA) | 2.3402% | 217 |
| Pretax return on assets | 2.3402% | 330 |
| Return on Equity (ROE) | 14.1190% | 1,035 |
| Retained earnings to average equity (ytd only) | 14.1190% | 496 |
| Net charge-offs to loans | 1.9968% | 860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.4663% | 3,859 |
| Efficiency ratio | 45.3893% | 7,576 |
| Assets per employee ($millions) | 5.0815% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 4,770 |
| Loan loss allowance to noncurrent loans | 39.0732% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 2.7933% | 2,606 |
| Noncurrent loans to loans | 3.4071% | 2,344 |
| Net loans and leases to total assets | 78.2360% | 1,104 |
| Net loans and leases to deposits | 104.6780% | 487 |
| Net loans and leases to core deposits | 117.8426% | 876 |
| Total domestic deposits to total assets | 74.7397% | 6,941 |
| Equity capital to assets | 17.0197% | 533 |
| Core capital (leverage) ratio | 16.3771% | 524 |
| Tier 1 risk-based capital ratio | 19.9585% | 1,531 |
| Total risk-based capital ratio | 21.2088% | 1,498 |
| Memoranda: | ||
| Average total assets | $183,744,500 | 3,446 |
| Average earning assets | $177,297,500 | 3,291 |
| Average equity | $30,455,500 | 2,195 |
| Average total loans | $145,633,500 | 2,969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 5,040 |
| Cost of funding earning assets | 1.3067% | 6,284 |
| Net interest margin | 4.0207% | 2,779 |
| Noninterest income to average assets | 0.3366% | 5,684 |
| Noninterest expense to average assets | 2.0872% | 7,210 |
| Loan and lease loss provision to assets | 0.3977% | 4,418 |
| Net operating income to assets | 1.7217% | 420 |
| Return on assets (ROA) | 1.7840% | 391 |
| Pretax return on assets | 1.7840% | 656 |
| Return on Equity (ROE) | 10.7188% | 1,499 |
| Retained earnings to average equity (ytd only) | -0.6284% | 5,147 |
| Net charge-offs to loans | -0.0184% | 7,783 |
| Credit loss provision to net charge-offs | -2,860.0000% | 7,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6165% | 7,559 |
| Assets per employee ($millions) | 4.8567% | 2,398 |
| Cash dividends to net income (ytd only)* | 105.8622% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,485 |
| Loan loss allowance to noncurrent loans | 41.9004% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.5307% | 1,899 |
| Noncurrent loans to loans | 4.3402% | 1,653 |
| Net loans and leases to total assets | 77.7854% | 1,434 |
| Net loans and leases to deposits | 104.2906% | 634 |
| Net loans and leases to core deposits | 140.7026% | 784 |
| Total domestic deposits to total assets | 74.5852% | 6,934 |
| Equity capital to assets | 16.1340% | 680 |
| Core capital (leverage) ratio | 16.4790% | 554 |
| Tier 1 risk-based capital ratio | 19.1202% | 1,630 |
| Total risk-based capital ratio | 20.3765% | 1,591 |
| Memoranda: | ||
| Average total assets | $179,761,200 | 3,445 |
| Average earning assets | $173,028,000 | 3,306 |
| Average equity | $29,919,400 | 2,234 |
| Average total loans | $135,998,600 | 3,154 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 4,613 |
| Cost of funding earning assets | 1.3539% | 6,385 |
| Net interest margin | 4.1097% | 2,357 |
| Noninterest income to average assets | 0.3382% | 5,785 |
| Noninterest expense to average assets | 2.0019% | 7,380 |
| Loan and lease loss provision to assets | 0.5339% | 3,248 |
| Net operating income to assets | 1.7555% | 502 |
| Return on assets (ROA) | 1.8204% | 450 |
| Pretax return on assets | 1.8204% | 768 |
| Return on Equity (ROE) | 10.8515% | 1,665 |
| Retained earnings to average equity (ytd only) | 4.3041% | 2,868 |
| Net charge-offs to loans | 0.5216% | 3,128 |
| Credit loss provision to net charge-offs | 136.9732% | 3,614 |
| Earnings coverage of net charge-offs (x) | 5.8736% | 2,716 |
| Efficiency ratio | 46.6504% | 7,741 |
| Assets per employee ($millions) | 4.9078% | 2,261 |
| Cash dividends to net income (ytd only)* | 60.3361% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 3,149 |
| Loan loss allowance to noncurrent loans | 26.9353% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 4.5172% | 1,351 |
| Noncurrent loans to loans | 5.8029% | 1,044 |
| Net loans and leases to total assets | 75.2821% | 2,164 |
| Net loans and leases to deposits | 100.7255% | 1,043 |
| Net loans and leases to core deposits | 135.6124% | 1,119 |
| Total domestic deposits to total assets | 74.7399% | 6,820 |
| Equity capital to assets | 17.6339% | 549 |
| Core capital (leverage) ratio | 17.2089% | 523 |
| Tier 1 risk-based capital ratio | 21.3194% | 1,323 |
| Total risk-based capital ratio | 22.5720% | 1,296 |
| Memoranda: | ||
| Average total assets | $178,563,000 | 3,488 |
| Average earning assets | $171,752,000 | 3,346 |
| Average equity | $29,955,250 | 2,258 |
| Average total loans | $133,444,500 | 3,235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5466% | 4,351 |
| Cost of funding earning assets | 1.4000% | 6,481 |
| Net interest margin | 4.1466% | 2,175 |
| Noninterest income to average assets | 0.3639% | 5,599 |
| Noninterest expense to average assets | 2.0001% | 7,465 |
| Loan and lease loss provision to assets | 0.7980% | 2,094 |
| Net operating income to assets | 1.5525% | 749 |
| Return on assets (ROA) | 1.6463% | 688 |
| Pretax return on assets | 1.6463% | 1,122 |
| Return on Equity (ROE) | 9.9814% | 2,028 |
| Retained earnings to average equity (ytd only) | 0.0271% | 5,189 |
| Net charge-offs to loans | 0.0436% | 5,856 |
| Credit loss provision to net charge-offs | 2,465.5172% | 216 |
| Earnings coverage of net charge-offs (x) | 72.6207% | 525 |
| Efficiency ratio | 45.9723% | 7,852 |
| Assets per employee ($millions) | 4.7514% | 2,397 |
| Cash dividends to net income (ytd only)* | 99.7288% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 1,742 |
| Loan loss allowance to noncurrent loans | 56.7415% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 2.6917% | 2,385 |
| Noncurrent loans to loans | 3.3838% | 2,080 |
| Net loans and leases to total assets | 75.6940% | 2,258 |
| Net loans and leases to deposits | 100.0684% | 1,284 |
| Net loans and leases to core deposits | 129.6397% | 1,598 |
| Total domestic deposits to total assets | 75.6422% | 6,629 |
| Equity capital to assets | 16.8669% | 682 |
| Core capital (leverage) ratio | 16.5305% | 674 |
| Tier 1 risk-based capital ratio | 20.5882% | 1,466 |
| Total risk-based capital ratio | 21.8452% | 1,426 |
| Memoranda: | ||
| Average total assets | $179,190,000 | 3,496 |
| Average earning assets | $172,284,670 | 3,364 |
| Average equity | $29,555,000 | 2,300 |
| Average total loans | $132,885,330 | 3,288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 4,584 |
| Cost of funding earning assets | 1.4816% | 6,464 |
| Net interest margin | 4.0785% | 2,366 |
| Noninterest income to average assets | 0.2034% | 6,837 |
| Noninterest expense to average assets | 1.9548% | 7,436 |
| Loan and lease loss provision to assets | 1.1167% | 1,172 |
| Net operating income to assets | 1.0460% | 2,142 |
| Return on assets (ROA) | 1.1101% | 2,050 |
| Pretax return on assets | 1.1101% | 2,946 |
| Return on Equity (ROE) | 6.8053% | 3,668 |
| Retained earnings to average equity (ytd only) | -13.1361% | 7,335 |
| Net charge-offs to loans | 0.2373% | 3,217 |
| Credit loss provision to net charge-offs | 647.4359% | 891 |
| Earnings coverage of net charge-offs (x) | 12.5385% | 1,795 |
| Efficiency ratio | 47.4758% | 7,757 |
| Assets per employee ($millions) | 4.8237% | 2,274 |
| Cash dividends to net income (ytd only)* | 293.0279% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 1,914 |
| Loan loss allowance to noncurrent loans | 38.3835% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 3.5035% | 1,532 |
| Noncurrent loans to loans | 4.6256% | 1,220 |
| Net loans and leases to total assets | 72.7192% | 3,068 |
| Net loans and leases to deposits | 93.6590% | 2,333 |
| Net loans and leases to core deposits | 117.9528% | 2,601 |
| Total domestic deposits to total assets | 77.6425% | 6,119 |
| Equity capital to assets | 16.2553% | 830 |
| Core capital (leverage) ratio | 15.5279% | 860 |
| Tier 1 risk-based capital ratio | 20.1711% | 1,591 |
| Total risk-based capital ratio | 21.4264% | 1,547 |
| Memoranda: | ||
| Average total assets | $180,885,000 | 3,494 |
| Average earning assets | $173,593,000 | 3,367 |
| Average equity | $29,506,500 | 2,314 |
| Average total loans | $131,490,500 | 3,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2423% | 4,286 |
| Cost of funding earning assets | 2.2691% | 5,292 |
| Net interest margin | 3.9731% | 3,253 |
| Noninterest income to average assets | 0.6967% | 3,140 |
| Noninterest expense to average assets | 1.9723% | 7,493 |
| Loan and lease loss provision to assets | 1.0270% | 1,428 |
| Net operating income to assets | 1.4788% | 1,066 |
| Return on assets (ROA) | 1.4788% | 1,024 |
| Pretax return on assets | 1.4788% | 1,740 |
| Return on Equity (ROE) | 9.2489% | 2,550 |
| Retained earnings to average equity (ytd only) | 0.7468% | 4,785 |
| Net charge-offs to loans | 2.0225% | 529 |
| Credit loss provision to net charge-offs | 69.1372% | 6,084 |
| Earnings coverage of net charge-offs (x) | 1.6869% | 5,238 |
| Efficiency ratio | 44.0435% | 8,012 |
| Assets per employee ($millions) | 4.9539% | 1,989 |
| Cash dividends to net income (ytd only)* | 91.9259% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,850 |
| Loan loss allowance to noncurrent loans | 69.5542% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6051% | 3,041 |
| Noncurrent loans to loans | 2.1086% | 2,621 |
| Net loans and leases to total assets | 70.3404% | 3,940 |
| Net loans and leases to deposits | 88.4444% | 3,729 |
| Net loans and leases to core deposits | 117.9189% | 2,898 |
| Total domestic deposits to total assets | 79.5306% | 5,190 |
| Equity capital to assets | 16.3678% | 870 |
| Core capital (leverage) ratio | 16.0835% | 809 |
| Tier 1 risk-based capital ratio | 20.9756% | 1,459 |
| Total risk-based capital ratio | 22.2264% | 1,429 |
| Memoranda: | ||
| Average total assets | $182,576,000 | 3,385 |
| Average earning assets | $173,767,200 | 3,271 |
| Average equity | $29,192,600 | 2,317 |
| Average total loans | $134,089,400 | 3,192 |