Home > First National Bank in DeRidder > Performance and Condition Ratios
First National Bank in DeRidder, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 3,013 |
| Cost of funding earning assets | 0.8697% | 3,584 |
| Net interest margin | 3.6781% | 1,799 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.9523% | 1,187 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9076% | 2,524 |
| Return on assets (ROA) | 0.9076% | 2,496 |
| Pretax return on assets | 1.0931% | 2,425 |
| Return on Equity (ROE) | 14.0700% | 1,470 |
| Retained earnings to average equity (ytd only) | 7.4995% | 1,707 |
| Net charge-offs to loans | 0.2507% | 425 |
| Credit loss provision to net charge-offs | 46.8310% | 2,207 |
| Earnings coverage of net charge-offs (x) | 7.5634% | 2,394 |
| Efficiency ratio | 71.6996% | 1,687 |
| Assets per employee ($millions) | 5.0238% | 3,615 |
| Cash dividends to net income (ytd only)* | 46.6826% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,193 |
| Loan loss allowance to noncurrent loans | 127.4966% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 956 |
| Noncurrent loans to loans | 0.9551% | 775 |
| Net loans and leases to total assets | 59.4100% | 2,894 |
| Net loans and leases to deposits | 64.2481% | 3,280 |
| Net loans and leases to core deposits | 71.2479% | 3,233 |
| Total domestic deposits to total assets | 92.4700% | 233 |
| Equity capital to assets | 6.8424% | 3,998 |
| Core capital (leverage) ratio | 9.8713% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7469% | 1,125 |
| Memoranda: | ||
| Average total assets | $368,660,400 | 2,120 |
| Average earning assets | $348,955,400 | 2,096 |
| Average equity | $23,788,200 | 2,585 |
| Average total loans | $226,575,400 | 2,124 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 2,921 |
| Cost of funding earning assets | 0.7887% | 3,556 |
| Net interest margin | 3.7103% | 1,757 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.9692% | 1,112 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8622% | 2,820 |
| Return on assets (ROA) | 0.8622% | 2,803 |
| Pretax return on assets | 1.1086% | 2,545 |
| Return on Equity (ROE) | 13.6400% | 1,755 |
| Retained earnings to average equity (ytd only) | 6.6236% | 2,423 |
| Net charge-offs to loans | 0.3814% | 226 |
| Credit loss provision to net charge-offs | 30.8050% | 1,968 |
| Earnings coverage of net charge-offs (x) | 5.0093% | 2,366 |
| Efficiency ratio | 71.5391% | 1,619 |
| Assets per employee ($millions) | 4.6142% | 3,870 |
| Cash dividends to net income (ytd only)* | 51.4395% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,524 |
| Loan loss allowance to noncurrent loans | 84.4317% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 605 |
| Noncurrent loans to loans | 1.3834% | 549 |
| Net loans and leases to total assets | 63.1600% | 2,545 |
| Net loans and leases to deposits | 67.8922% | 2,986 |
| Net loans and leases to core deposits | 74.8762% | 2,935 |
| Total domestic deposits to total assets | 93.0300% | 292 |
| Equity capital to assets | 6.1972% | 3,921 |
| Core capital (leverage) ratio | 9.7236% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3758% | 1,225 |
| Memoranda: | ||
| Average total assets | $365,257,750 | 2,137 |
| Average earning assets | $345,555,250 | 2,112 |
| Average equity | $23,088,500 | 2,615 |
| Average total loans | $225,814,750 | 2,125 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 2,799 |
| Cost of funding earning assets | 0.6439% | 3,644 |
| Net interest margin | 3.7931% | 1,646 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.9182% | 1,178 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9528% | 2,574 |
| Return on assets (ROA) | 0.9528% | 2,565 |
| Pretax return on assets | 1.2323% | 2,280 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 7.5751% | 2,105 |
| Net charge-offs to loans | 0.0222% | 1,437 |
| Credit loss provision to net charge-offs | 532.0000% | 629 |
| Earnings coverage of net charge-offs (x) | 96.1600% | 963 |
| Efficiency ratio | 69.1082% | 1,856 |
| Assets per employee ($millions) | 4.5351% | 3,927 |
| Cash dividends to net income (ytd only)* | 49.4305% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,526 |
| Loan loss allowance to noncurrent loans | 789.9015% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,590 |
| Noncurrent loans to loans | 0.1776% | 2,592 |
| Net loans and leases to total assets | 62.1200% | 2,567 |
| Net loans and leases to deposits | 68.4572% | 2,901 |
| Net loans and leases to core deposits | 74.2661% | 2,865 |
| Total domestic deposits to total assets | 90.7400% | 717 |
| Equity capital to assets | 6.5597% | 3,974 |
| Core capital (leverage) ratio | 9.5869% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8482% | 1,348 |
| Memoranda: | ||
| Average total assets | $368,580,000 | 2,131 |
| Average earning assets | $348,792,000 | 2,105 |
| Average equity | $23,445,333 | 2,599 |
| Average total loans | $225,403,000 | 2,121 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,725 |
| Cost of funding earning assets | 0.4504% | 3,833 |
| Net interest margin | 3.8818% | 1,510 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.8342% | 1,364 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.0639% | 2,339 |
| Return on assets (ROA) | 1.0639% | 2,309 |
| Pretax return on assets | 1.3719% | 1,957 |
| Return on Equity (ROE) | 16.9800% | 1,176 |
| Retained earnings to average equity (ytd only) | 8.0280% | 2,209 |
| Net charge-offs to loans | 0.0268% | 1,158 |
| Credit loss provision to net charge-offs | 440.0000% | 588 |
| Earnings coverage of net charge-offs (x) | 89.3333% | 842 |
| Efficiency ratio | 66.2638% | 2,181 |
| Assets per employee ($millions) | 4.7630% | 3,827 |
| Cash dividends to net income (ytd only)* | 52.7328% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,640 |
| Loan loss allowance to noncurrent loans | 706.2780% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 2,684 |
| Noncurrent loans to loans | 0.1975% | 2,489 |
| Net loans and leases to total assets | 59.1600% | 2,758 |
| Net loans and leases to deposits | 64.7511% | 3,030 |
| Net loans and leases to core deposits | 68.9696% | 3,023 |
| Total domestic deposits to total assets | 91.3700% | 681 |
| Equity capital to assets | 6.2576% | 4,120 |
| Core capital (leverage) ratio | 9.3198% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9405% | 1,387 |
| Memoranda: | ||
| Average total assets | $371,467,000 | 2,148 |
| Average earning assets | $351,690,500 | 2,112 |
| Average equity | $23,268,500 | 2,638 |
| Average total loans | $223,816,000 | 2,145 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5741% | 2,872 |
| Cost of funding earning assets | 0.1741% | 3,966 |
| Net interest margin | 3.3999% | 2,258 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.6942% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9469% | 2,781 |
| Return on assets (ROA) | 0.9469% | 2,727 |
| Pretax return on assets | 1.1770% | 2,514 |
| Return on Equity (ROE) | 15.1100% | 1,230 |
| Retained earnings to average equity (ytd only) | 9.4270% | 1,346 |
| Net charge-offs to loans | 0.0261% | 1,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 86.5660% | 1,047 |
| Efficiency ratio | 69.5958% | 1,746 |
| Assets per employee ($millions) | 4.7007% | 3,893 |
| Cash dividends to net income (ytd only)* | 37.6050% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,058 |
| Loan loss allowance to noncurrent loans | 957.0850% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,124 |
| Noncurrent loans to loans | 0.1113% | 2,971 |
| Net loans and leases to total assets | 59.8600% | 2,641 |
| Net loans and leases to deposits | 64.1908% | 3,025 |
| Net loans and leases to core deposits | 66.7874% | 3,079 |
| Total domestic deposits to total assets | 93.2600% | 352 |
| Equity capital to assets | 6.2704% | 3,988 |
| Core capital (leverage) ratio | 9.5228% | 3,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0001% | 1,371 |
| Memoranda: | ||
| Average total assets | $389,807,400 | 2,061 |
| Average earning assets | $369,800,400 | 2,028 |
| Average equity | $24,429,800 | 2,608 |
| Average total loans | $203,297,800 | 2,203 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 2,950 |
| Cost of funding earning assets | 0.1445% | 3,898 |
| Net interest margin | 3.2421% | 2,488 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.6141% | 1,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9097% | 2,831 |
| Return on assets (ROA) | 0.9097% | 2,808 |
| Pretax return on assets | 1.1284% | 2,634 |
| Return on Equity (ROE) | 14.5200% | 1,284 |
| Retained earnings to average equity (ytd only) | 8.9175% | 1,674 |
| Net charge-offs to loans | 0.0228% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 98.4706% | 958 |
| Efficiency ratio | 69.8487% | 1,779 |
| Assets per employee ($millions) | 4.4498% | 4,092 |
| Cash dividends to net income (ytd only)* | 38.5698% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,035 |
| Loan loss allowance to noncurrent loans | 715.3153% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,016 |
| Noncurrent loans to loans | 0.1532% | 2,846 |
| Net loans and leases to total assets | 59.6300% | 2,546 |
| Net loans and leases to deposits | 63.4338% | 2,905 |
| Net loans and leases to core deposits | 65.9511% | 2,955 |
| Total domestic deposits to total assets | 94.0100% | 354 |
| Equity capital to assets | 5.5297% | 4,123 |
| Core capital (leverage) ratio | 8.9215% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3569% | 1,609 |
| Memoranda: | ||
| Average total assets | $395,595,000 | 2,060 |
| Average earning assets | $375,596,500 | 2,024 |
| Average equity | $24,789,500 | 2,632 |
| Average total loans | $198,656,750 | 2,235 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0834% | 3,348 |
| Cost of funding earning assets | 0.1296% | 3,843 |
| Net interest margin | 2.9538% | 3,025 |
| Noninterest income to average assets | 0.6172% | 1,669 |
| Noninterest expense to average assets | 2.4993% | 1,933 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7287% | 3,215 |
| Return on assets (ROA) | 0.7287% | 3,168 |
| Pretax return on assets | 0.9266% | 2,976 |
| Return on Equity (ROE) | 11.2386% | 1,910 |
| Retained earnings to average equity (ytd only) | 5.9828% | 2,343 |
| Net charge-offs to loans | 0.0062% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 314.5000% | 390 |
| Efficiency ratio | 72.9540% | 1,635 |
| Assets per employee ($millions) | 4.9938% | 3,683 |
| Cash dividends to net income (ytd only)* | 46.7655% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,901 |
| Loan loss allowance to noncurrent loans | 694.8127% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,104 |
| Noncurrent loans to loans | 0.1665% | 2,859 |
| Net loans and leases to total assets | 52.2187% | 3,130 |
| Net loans and leases to deposits | 55.7221% | 3,405 |
| Net loans and leases to core deposits | 57.6271% | 3,450 |
| Total domestic deposits to total assets | 93.7128% | 335 |
| Equity capital to assets | 5.8910% | 4,234 |
| Core capital (leverage) ratio | 8.0206% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6822% | 1,512 |
| Memoranda: | ||
| Average total assets | $407,315,333 | 2,024 |
| Average earning assets | $387,296,000 | 1,990 |
| Average equity | $26,409,000 | 2,613 |
| Average total loans | $192,437,667 | 2,283 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7945% | 3,755 |
| Cost of funding earning assets | 0.1302% | 3,772 |
| Net interest margin | 2.6643% | 3,494 |
| Noninterest income to average assets | 0.6130% | 1,636 |
| Noninterest expense to average assets | 2.4016% | 2,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5801% | 3,467 |
| Return on assets (ROA) | 0.5801% | 3,442 |
| Pretax return on assets | 0.7445% | 3,267 |
| Return on Equity (ROE) | 8.5736% | 2,487 |
| Retained earnings to average equity (ytd only) | 3.6152% | 3,064 |
| Net charge-offs to loans | -0.0087% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3368% | 1,484 |
| Assets per employee ($millions) | 5.1455% | 3,630 |
| Cash dividends to net income (ytd only)* | 57.8333% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,479 |
| Loan loss allowance to noncurrent loans | 408.7838% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,800 |
| Noncurrent loans to loans | 0.3118% | 2,344 |
| Net loans and leases to total assets | 44.9774% | 3,660 |
| Net loans and leases to deposits | 48.1074% | 3,861 |
| Net loans and leases to core deposits | 49.4890% | 3,900 |
| Total domestic deposits to total assets | 93.4937% | 171 |
| Equity capital to assets | 6.1332% | 4,556 |
| Core capital (leverage) ratio | 7.5615% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0887% | 1,237 |
| Memoranda: | ||
| Average total assets | $413,716,000 | 2,000 |
| Average earning assets | $393,348,000 | 1,978 |
| Average equity | $27,993,000 | 2,607 |
| Average total loans | $184,446,000 | 2,342 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8521% | 4,131 |
| Cost of funding earning assets | 0.1817% | 3,641 |
| Net interest margin | 2.6703% | 3,927 |
| Noninterest income to average assets | 0.7137% | 1,716 |
| Noninterest expense to average assets | 2.4842% | 2,229 |
| Loan and lease loss provision to assets | -0.0987% | 4,528 |
| Net operating income to assets | 0.7154% | 3,590 |
| Return on assets (ROA) | 0.7154% | 3,645 |
| Pretax return on assets | 0.8773% | 3,554 |
| Return on Equity (ROE) | 9.7208% | 2,635 |
| Retained earnings to average equity (ytd only) | 5.0666% | 2,756 |
| Net charge-offs to loans | 0.0200% | 1,874 |
| Credit loss provision to net charge-offs | -1,081.0811% | 3,936 |
| Earnings coverage of net charge-offs (x) | 85.2703% | 958 |
| Efficiency ratio | 76.1364% | 1,096 |
| Assets per employee ($millions) | 5.1331% | 3,612 |
| Cash dividends to net income (ytd only)* | 47.8786% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,133 |
| Loan loss allowance to noncurrent loans | 357.0162% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 2,786 |
| Noncurrent loans to loans | 0.3782% | 2,232 |
| Net loans and leases to total assets | 43.0044% | 3,912 |
| Net loans and leases to deposits | 46.6513% | 4,067 |
| Net loans and leases to core deposits | 48.0438% | 4,089 |
| Total domestic deposits to total assets | 92.1826% | 138 |
| Equity capital to assets | 7.4088% | 4,623 |
| Core capital (leverage) ratio | 7.7715% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4331% | 1,175 |
| Memoranda: | ||
| Average total assets | $405,201,800 | 1,969 |
| Average earning assets | $386,804,600 | 1,947 |
| Average equity | $29,822,800 | 2,545 |
| Average total loans | $184,606,800 | 2,347 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8955% | 4,178 |
| Cost of funding earning assets | 0.1951% | 3,657 |
| Net interest margin | 2.7005% | 3,970 |
| Noninterest income to average assets | 0.6600% | 1,971 |
| Noninterest expense to average assets | 2.4372% | 2,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6455% | 3,914 |
| Return on assets (ROA) | 0.6455% | 3,967 |
| Pretax return on assets | 0.8052% | 3,882 |
| Return on Equity (ROE) | 8.7846% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.1070% | 3,542 |
| Net charge-offs to loans | 0.0186% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 93.8077% | 902 |
| Efficiency ratio | 75.1655% | 1,106 |
| Assets per employee ($millions) | 4.7087% | 3,961 |
| Cash dividends to net income (ytd only)* | 53.2481% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6287% | 1,264 |
| Loan loss allowance to noncurrent loans | 385.1499% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,857 |
| Noncurrent loans to loans | 0.4229% | 2,300 |
| Net loans and leases to total assets | 41.6817% | 4,111 |
| Net loans and leases to deposits | 45.2264% | 4,267 |
| Net loans and leases to core deposits | 46.5801% | 4,300 |
| Total domestic deposits to total assets | 92.1622% | 95 |
| Equity capital to assets | 7.2576% | 4,765 |
| Core capital (leverage) ratio | 7.4778% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4598% | 1,055 |
| Memoranda: | ||
| Average total assets | $403,840,000 | 1,994 |
| Average earning assets | $386,195,750 | 1,968 |
| Average equity | $29,672,500 | 2,589 |
| Average total loans | $186,005,000 | 2,377 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9731% | 4,092 |
| Cost of funding earning assets | 0.2092% | 3,663 |
| Net interest margin | 2.7639% | 3,864 |
| Noninterest income to average assets | 0.6375% | 2,055 |
| Noninterest expense to average assets | 2.4016% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7061% | 3,750 |
| Return on assets (ROA) | 0.7061% | 3,815 |
| Pretax return on assets | 0.8793% | 3,704 |
| Return on Equity (ROE) | 9.5707% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.8899% | 3,224 |
| Net charge-offs to loans | 0.0147% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 126.2143% | 653 |
| Efficiency ratio | 73.1988% | 1,318 |
| Assets per employee ($millions) | 4.8515% | 3,787 |
| Cash dividends to net income (ytd only)* | 48.9077% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 1,453 |
| Loan loss allowance to noncurrent loans | 409.2219% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,089 |
| Noncurrent loans to loans | 0.3764% | 2,548 |
| Net loans and leases to total assets | 44.0232% | 4,042 |
| Net loans and leases to deposits | 47.7177% | 4,238 |
| Net loans and leases to core deposits | 49.1589% | 4,273 |
| Total domestic deposits to total assets | 92.2576% | 86 |
| Equity capital to assets | 7.2118% | 4,804 |
| Core capital (leverage) ratio | 7.3720% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3590% | 1,057 |
| Memoranda: | ||
| Average total assets | $401,901,667 | 1,998 |
| Average earning assets | $384,382,333 | 1,965 |
| Average equity | $29,653,000 | 2,582 |
| Average total loans | $190,147,333 | 2,345 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0066% | 4,068 |
| Cost of funding earning assets | 0.2207% | 3,720 |
| Net interest margin | 2.7859% | 3,795 |
| Noninterest income to average assets | 0.6474% | 2,036 |
| Noninterest expense to average assets | 2.3869% | 2,534 |
| Loan and lease loss provision to assets | 0.0050% | 2,695 |
| Net operating income to assets | 0.7422% | 3,595 |
| Return on assets (ROA) | 0.7422% | 3,666 |
| Pretax return on assets | 0.9156% | 3,570 |
| Return on Equity (ROE) | 9.9428% | 2,705 |
| Retained earnings to average equity (ytd only) | 5.2551% | 3,149 |
| Net charge-offs to loans | 0.0290% | 1,196 |
| Credit loss provision to net charge-offs | 35.7143% | 1,366 |
| Earnings coverage of net charge-offs (x) | 65.2143% | 785 |
| Efficiency ratio | 72.1646% | 1,475 |
| Assets per employee ($millions) | 4.7459% | 3,889 |
| Cash dividends to net income (ytd only)* | 47.1467% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,637 |
| Loan loss allowance to noncurrent loans | 264.8045% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 2,813 |
| Noncurrent loans to loans | 0.5631% | 2,164 |
| Net loans and leases to total assets | 45.5040% | 4,001 |
| Net loans and leases to deposits | 49.2663% | 4,208 |
| Net loans and leases to core deposits | 50.7145% | 4,260 |
| Total domestic deposits to total assets | 92.3633% | 88 |
| Equity capital to assets | 7.1152% | 4,816 |
| Core capital (leverage) ratio | 7.6935% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,662,500 | 2,006 |
| Average earning assets | $378,769,500 | 1,975 |
| Average equity | $29,609,500 | 2,575 |
| Average total loans | $193,029,500 | 2,331 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 3,636 |
| Cost of funding earning assets | 0.3519% | 3,860 |
| Net interest margin | 3.3254% | 3,001 |
| Noninterest income to average assets | 0.8166% | 1,484 |
| Noninterest expense to average assets | 3.0273% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7659% | 3,217 |
| Return on assets (ROA) | 0.7848% | 3,274 |
| Pretax return on assets | 0.9762% | 3,121 |
| Return on Equity (ROE) | 9.2609% | 2,292 |
| Retained earnings to average equity (ytd only) | 4.4303% | 2,576 |
| Net charge-offs to loans | 0.0375% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 45.4930% | 1,283 |
| Efficiency ratio | 76.0652% | 1,219 |
| Assets per employee ($millions) | 4.3728% | 4,038 |
| Cash dividends to net income (ytd only)* | 52.1608% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,732 |
| Loan loss allowance to noncurrent loans | 305.1337% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,055 |
| Noncurrent loans to loans | 0.4787% | 2,533 |
| Net loans and leases to total assets | 50.5948% | 3,778 |
| Net loans and leases to deposits | 55.3095% | 4,045 |
| Net loans and leases to core deposits | 57.0307% | 4,098 |
| Total domestic deposits to total assets | 91.4758% | 135 |
| Equity capital to assets | 7.8439% | 4,761 |
| Core capital (leverage) ratio | 8.3137% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,077,200 | 2,100 |
| Average earning assets | $322,545,800 | 2,071 |
| Average equity | $28,733,800 | 2,550 |
| Average total loans | $189,378,400 | 2,334 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 2,943 |
| Cost of funding earning assets | 0.3856% | 3,893 |
| Net interest margin | 3.6237% | 2,178 |
| Noninterest income to average assets | 0.5078% | 2,583 |
| Noninterest expense to average assets | 3.0159% | 1,410 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7224% | 3,384 |
| Return on assets (ROA) | 0.7394% | 3,421 |
| Pretax return on assets | 0.9551% | 3,212 |
| Return on Equity (ROE) | 8.5413% | 2,585 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,220 |
| Net charge-offs to loans | 0.0213% | 2,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 76.7333% | 945 |
| Efficiency ratio | 76.3606% | 1,177 |
| Assets per employee ($millions) | 3.8991% | 4,409 |
| Cash dividends to net income (ytd only)* | 57.1037% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,598 |
| Loan loss allowance to noncurrent loans | 262.3753% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 2,840 |
| Noncurrent loans to loans | 0.5461% | 2,431 |
| Net loans and leases to total assets | 58.6868% | 3,354 |
| Net loans and leases to deposits | 64.7951% | 3,725 |
| Net loans and leases to core deposits | 67.0934% | 3,818 |
| Total domestic deposits to total assets | 90.5730% | 267 |
| Equity capital to assets | 8.5872% | 4,409 |
| Core capital (leverage) ratio | 8.7941% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,737,500 | 2,123 |
| Average earning assets | $312,232,750 | 2,092 |
| Average equity | $28,457,000 | 2,560 |
| Average total loans | $187,889,500 | 2,351 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 2,791 |
| Cost of funding earning assets | 0.4287% | 3,906 |
| Net interest margin | 3.7634% | 1,948 |
| Noninterest income to average assets | 0.5085% | 2,529 |
| Noninterest expense to average assets | 3.0119% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8092% | 3,013 |
| Return on assets (ROA) | 0.8345% | 3,041 |
| Pretax return on assets | 1.1026% | 2,702 |
| Return on Equity (ROE) | 9.6130% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.6967% | 2,608 |
| Net charge-offs to loans | 0.0251% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 75.6957% | 838 |
| Efficiency ratio | 73.7762% | 1,485 |
| Assets per employee ($millions) | 4.0350% | 4,278 |
| Cash dividends to net income (ytd only)* | 51.1422% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,496 |
| Loan loss allowance to noncurrent loans | 214.0221% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,714 |
| Noncurrent loans to loans | 0.6667% | 2,195 |
| Net loans and leases to total assets | 58.4156% | 3,478 |
| Net loans and leases to deposits | 64.4422% | 3,850 |
| Net loans and leases to core deposits | 67.2526% | 3,908 |
| Total domestic deposits to total assets | 90.6479% | 237 |
| Equity capital to assets | 8.4660% | 4,497 |
| Core capital (leverage) ratio | 8.7202% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,241,333 | 2,118 |
| Average earning assets | $308,867,333 | 2,081 |
| Average equity | $28,232,667 | 2,574 |
| Average total loans | $183,194,333 | 2,374 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 3,343 |
| Cost of funding earning assets | 0.5333% | 3,776 |
| Net interest margin | 3.6305% | 2,566 |
| Noninterest income to average assets | 0.5677% | 2,188 |
| Noninterest expense to average assets | 3.0622% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7663% | 3,033 |
| Return on assets (ROA) | 0.7990% | 3,004 |
| Pretax return on assets | 0.9887% | 2,872 |
| Return on Equity (ROE) | 9.0834% | 2,080 |
| Retained earnings to average equity (ytd only) | 4.0962% | 2,642 |
| Net charge-offs to loans | 0.0277% | 1,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 62.5000% | 787 |
| Efficiency ratio | 76.3556% | 1,525 |
| Assets per employee ($millions) | 3.5808% | 4,407 |
| Cash dividends to net income (ytd only)* | 54.9051% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 936 |
| Loan loss allowance to noncurrent loans | 252.5585% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 2,946 |
| Noncurrent loans to loans | 0.6570% | 2,350 |
| Net loans and leases to total assets | 56.0435% | 3,835 |
| Net loans and leases to deposits | 62.2489% | 4,086 |
| Net loans and leases to core deposits | 65.5541% | 4,110 |
| Total domestic deposits to total assets | 90.0312% | 312 |
| Equity capital to assets | 9.1693% | 4,491 |
| Core capital (leverage) ratio | 9.3216% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,376,000 | 2,117 |
| Average earning assets | $300,016,000 | 2,075 |
| Average equity | $27,831,000 | 2,591 |
| Average total loans | $173,167,000 | 2,431 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 3,713 |
| Cost of funding earning assets | 0.5826% | 3,710 |
| Net interest margin | 3.6560% | 2,940 |
| Noninterest income to average assets | 0.7129% | 1,766 |
| Noninterest expense to average assets | 3.2129% | 1,492 |
| Loan and lease loss provision to assets | 0.0545% | 2,940 |
| Net operating income to assets | 0.8704% | 3,315 |
| Return on assets (ROA) | 0.8738% | 3,394 |
| Pretax return on assets | 0.9091% | 3,720 |
| Return on Equity (ROE) | 9.4559% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.2039% | 2,856 |
| Net charge-offs to loans | 0.0268% | 2,862 |
| Credit loss provision to net charge-offs | 362.7907% | 773 |
| Earnings coverage of net charge-offs (x) | 63.8605% | 945 |
| Efficiency ratio | 76.9920% | 1,266 |
| Assets per employee ($millions) | 3.9610% | 3,949 |
| Cash dividends to net income (ytd only)* | 55.5422% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7110% | 777 |
| Loan loss allowance to noncurrent loans | 325.8640% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,325 |
| Noncurrent loans to loans | 0.5251% | 2,608 |
| Net loans and leases to total assets | 51.6970% | 4,250 |
| Net loans and leases to deposits | 56.9877% | 4,416 |
| Net loans and leases to core deposits | 59.7490% | 4,453 |
| Total domestic deposits to total assets | 90.7161% | 163 |
| Equity capital to assets | 8.4437% | 4,934 |
| Core capital (leverage) ratio | 9.8769% | 3,645 |
| Tier 1 risk-based capital ratio | 17.2904% | 1,968 |
| Total risk-based capital ratio | 18.5463% | 1,909 |
| Memoranda: | ||
| Average total assets | $286,004,400 | 2,244 |
| Average earning assets | $270,676,800 | 2,203 |
| Average equity | $26,428,000 | 2,600 |
| Average total loans | $160,466,200 | 2,506 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 3,568 |
| Cost of funding earning assets | 0.5840% | 3,764 |
| Net interest margin | 3.7474% | 2,760 |
| Noninterest income to average assets | 0.7204% | 1,698 |
| Noninterest expense to average assets | 3.2726% | 1,326 |
| Loan and lease loss provision to assets | 0.0565% | 2,768 |
| Net operating income to assets | 0.7571% | 3,830 |
| Return on assets (ROA) | 0.7610% | 3,876 |
| Pretax return on assets | 0.9385% | 3,766 |
| Return on Equity (ROE) | 8.0317% | 3,291 |
| Retained earnings to average equity (ytd only) | 2.7299% | 4,000 |
| Net charge-offs to loans | 0.0287% | 2,521 |
| Credit loss provision to net charge-offs | 344.1176% | 871 |
| Earnings coverage of net charge-offs (x) | 60.3558% | 1,047 |
| Efficiency ratio | 76.7716% | 1,241 |
| Assets per employee ($millions) | 3.2949% | 4,673 |
| Cash dividends to net income (ytd only)* | 66.0118% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 691 |
| Loan loss allowance to noncurrent loans | 330.2511% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 3,384 |
| Noncurrent loans to loans | 0.5428% | 2,668 |
| Net loans and leases to total assets | 52.8589% | 4,265 |
| Net loans and leases to deposits | 58.6520% | 4,447 |
| Net loans and leases to core deposits | 61.7642% | 4,464 |
| Total domestic deposits to total assets | 90.1229% | 259 |
| Equity capital to assets | 8.9529% | 4,806 |
| Core capital (leverage) ratio | 9.7727% | 3,885 |
| Tier 1 risk-based capital ratio | 18.2216% | 1,756 |
| Total risk-based capital ratio | 19.4786% | 1,718 |
| Memoranda: | ||
| Average total assets | $276,305,500 | 2,310 |
| Average earning assets | $261,185,250 | 2,280 |
| Average equity | $26,178,750 | 2,625 |
| Average total loans | $157,874,000 | 2,559 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 3,561 |
| Cost of funding earning assets | 0.5381% | 3,940 |
| Net interest margin | 3.7870% | 2,622 |
| Noninterest income to average assets | 0.7338% | 1,584 |
| Noninterest expense to average assets | 3.2980% | 1,287 |
| Loan and lease loss provision to assets | 0.0581% | 2,664 |
| Net operating income to assets | 0.7749% | 3,731 |
| Return on assets (ROA) | 0.7785% | 3,791 |
| Pretax return on assets | 0.9580% | 3,683 |
| Return on Equity (ROE) | 8.0518% | 3,272 |
| Retained earnings to average equity (ytd only) | 2.7045% | 3,849 |
| Net charge-offs to loans | 0.0102% | 2,765 |
| Credit loss provision to net charge-offs | 975.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 169.7500% | 442 |
| Efficiency ratio | 76.5255% | 1,331 |
| Assets per employee ($millions) | 3.2599% | 4,730 |
| Cash dividends to net income (ytd only)* | 66.4115% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 619 |
| Loan loss allowance to noncurrent loans | 228.6508% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 2,453 |
| Noncurrent loans to loans | 0.8107% | 1,971 |
| Net loans and leases to total assets | 53.7827% | 4,227 |
| Net loans and leases to deposits | 59.9550% | 4,430 |
| Net loans and leases to core deposits | 63.3404% | 4,438 |
| Total domestic deposits to total assets | 89.7052% | 414 |
| Equity capital to assets | 9.3598% | 4,531 |
| Core capital (leverage) ratio | 10.1857% | 3,398 |
| Tier 1 risk-based capital ratio | 18.4353% | 1,691 |
| Total risk-based capital ratio | 19.6932% | 1,649 |
| Memoranda: | ||
| Average total assets | $268,462,000 | 2,367 |
| Average earning assets | $253,500,670 | 2,338 |
| Average equity | $25,957,000 | 2,638 |
| Average total loans | $156,704,330 | 2,586 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 3,495 |
| Cost of funding earning assets | 0.4871% | 4,116 |
| Net interest margin | 3.8337% | 2,405 |
| Noninterest income to average assets | 0.7313% | 1,496 |
| Noninterest expense to average assets | 3.2780% | 1,333 |
| Loan and lease loss provision to assets | 0.0598% | 2,457 |
| Net operating income to assets | 0.8245% | 3,532 |
| Return on assets (ROA) | 0.8295% | 3,555 |
| Pretax return on assets | 1.0196% | 3,383 |
| Return on Equity (ROE) | 8.4324% | 3,066 |
| Retained earnings to average equity (ytd only) | 3.0238% | 3,726 |
| Net charge-offs to loans | 0.0153% | 2,177 |
| Credit loss provision to net charge-offs | 650.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 116.6667% | 601 |
| Efficiency ratio | 75.3347% | 1,571 |
| Assets per employee ($millions) | 3.3262% | 4,718 |
| Cash dividends to net income (ytd only)* | 64.1405% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 693 |
| Loan loss allowance to noncurrent loans | 253.9286% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 2,620 |
| Noncurrent loans to loans | 0.7141% | 2,240 |
| Net loans and leases to total assets | 57.1608% | 3,973 |
| Net loans and leases to deposits | 63.9216% | 4,182 |
| Net loans and leases to core deposits | 67.5360% | 4,203 |
| Total domestic deposits to total assets | 89.4234% | 680 |
| Equity capital to assets | 9.6576% | 4,126 |
| Core capital (leverage) ratio | 11.0648% | 2,515 |
| Tier 1 risk-based capital ratio | 18.5524% | 1,645 |
| Total risk-based capital ratio | 19.8101% | 1,603 |
| Memoranda: | ||
| Average total assets | $260,889,000 | 2,437 |
| Average earning assets | $246,343,000 | 2,407 |
| Average equity | $25,663,000 | 2,666 |
| Average total loans | $157,350,000 | 2,599 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 2,730 |
| Cost of funding earning assets | 0.4296% | 3,803 |
| Net interest margin | 3.9799% | 2,061 |
| Noninterest income to average assets | 0.7414% | 1,686 |
| Noninterest expense to average assets | 3.2786% | 1,378 |
| Loan and lease loss provision to assets | 0.1117% | 1,977 |
| Net operating income to assets | 0.9321% | 3,318 |
| Return on assets (ROA) | 0.9324% | 3,308 |
| Pretax return on assets | 1.1051% | 3,246 |
| Return on Equity (ROE) | 9.5090% | 2,742 |
| Retained earnings to average equity (ytd only) | 3.8760% | 3,449 |
| Net charge-offs to loans | 0.0220% | 2,986 |
| Credit loss provision to net charge-offs | 777.7778% | 459 |
| Earnings coverage of net charge-offs (x) | 84.7222% | 833 |
| Efficiency ratio | 72.9394% | 1,775 |
| Assets per employee ($millions) | 3.3204% | 4,725 |
| Cash dividends to net income (ytd only)* | 59.2387% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7802% | 707 |
| Loan loss allowance to noncurrent loans | 223.9044% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 2,524 |
| Noncurrent loans to loans | 0.7951% | 2,015 |
| Net loans and leases to total assets | 61.4379% | 3,620 |
| Net loans and leases to deposits | 69.0483% | 3,901 |
| Net loans and leases to core deposits | 72.8665% | 3,927 |
| Total domestic deposits to total assets | 88.9782% | 869 |
| Equity capital to assets | 10.0280% | 3,661 |
| Core capital (leverage) ratio | 11.5690% | 2,048 |
| Tier 1 risk-based capital ratio | 17.9032% | 1,782 |
| Total risk-based capital ratio | 19.1597% | 1,742 |
| Memoranda: | ||
| Average total assets | $250,748,800 | 2,466 |
| Average earning assets | $236,490,200 | 2,440 |
| Average equity | $24,587,200 | 2,670 |
| Average total loans | $163,520,000 | 2,492 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 2,523 |
| Cost of funding earning assets | 0.4213% | 3,718 |
| Net interest margin | 4.0119% | 1,921 |
| Noninterest income to average assets | 0.7557% | 1,651 |
| Noninterest expense to average assets | 3.2503% | 1,408 |
| Loan and lease loss provision to assets | 0.1491% | 1,325 |
| Net operating income to assets | 0.9790% | 3,182 |
| Return on assets (ROA) | 0.9794% | 3,191 |
| Pretax return on assets | 1.1403% | 3,241 |
| Return on Equity (ROE) | 10.0458% | 2,601 |
| Retained earnings to average equity (ytd only) | 4.3811% | 3,567 |
| Net charge-offs to loans | 0.0178% | 2,802 |
| Credit loss provision to net charge-offs | 1,272.7273% | 320 |
| Earnings coverage of net charge-offs (x) | 110.0099% | 705 |
| Efficiency ratio | 71.6062% | 1,952 |
| Assets per employee ($millions) | 3.2207% | 4,867 |
| Cash dividends to net income (ytd only)* | 56.3892% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 749 |
| Loan loss allowance to noncurrent loans | 220.1871% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 2,518 |
| Noncurrent loans to loans | 0.8106% | 2,085 |
| Net loans and leases to total assets | 65.2221% | 3,284 |
| Net loans and leases to deposits | 73.6227% | 3,626 |
| Net loans and leases to core deposits | 77.6327% | 3,685 |
| Total domestic deposits to total assets | 88.5896% | 1,007 |
| Equity capital to assets | 10.2876% | 3,349 |
| Core capital (leverage) ratio | 11.3418% | 2,295 |
| Tier 1 risk-based capital ratio | 17.7924% | 1,844 |
| Total risk-based capital ratio | 19.0493% | 1,805 |
| Memoranda: | ||
| Average total assets | $250,347,500 | 2,486 |
| Average earning assets | $236,092,000 | 2,459 |
| Average equity | $24,407,500 | 2,700 |
| Average total loans | $164,937,250 | 2,498 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 2,565 |
| Cost of funding earning assets | 0.4021% | 3,706 |
| Net interest margin | 3.9531% | 2,024 |
| Noninterest income to average assets | 0.7604% | 1,608 |
| Noninterest expense to average assets | 3.1114% | 1,756 |
| Loan and lease loss provision to assets | 0.1887% | 929 |
| Net operating income to assets | 1.0112% | 2,969 |
| Return on assets (ROA) | 1.0112% | 2,973 |
| Pretax return on assets | 1.1944% | 2,962 |
| Return on Equity (ROE) | 10.5538% | 2,307 |
| Retained earnings to average equity (ytd only) | 4.8830% | 3,132 |
| Net charge-offs to loans | 0.0144% | 2,660 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 146.5833% | 527 |
| Efficiency ratio | 69.2267% | 2,443 |
| Assets per employee ($millions) | 3.3020% | 4,817 |
| Cash dividends to net income (ytd only)* | 53.7325% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 930 |
| Loan loss allowance to noncurrent loans | 296.1864% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 3,158 |
| Noncurrent loans to loans | 0.5683% | 2,712 |
| Net loans and leases to total assets | 65.0806% | 3,267 |
| Net loans and leases to deposits | 73.0801% | 3,617 |
| Net loans and leases to core deposits | 77.1943% | 3,646 |
| Total domestic deposits to total assets | 89.0538% | 912 |
| Equity capital to assets | 9.7651% | 3,857 |
| Core capital (leverage) ratio | 10.8159% | 2,681 |
| Tier 1 risk-based capital ratio | 16.4083% | 2,290 |
| Total risk-based capital ratio | 17.6652% | 2,228 |
| Memoranda: | ||
| Average total assets | $254,351,670 | 2,475 |
| Average earning assets | $240,268,000 | 2,426 |
| Average equity | $24,370,330 | 2,716 |
| Average total loans | $167,159,000 | 2,486 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 2,583 |
| Cost of funding earning assets | 0.3833% | 3,709 |
| Net interest margin | 3.9010% | 2,041 |
| Noninterest income to average assets | 0.7764% | 1,532 |
| Noninterest expense to average assets | 3.0713% | 1,902 |
| Loan and lease loss provision to assets | 0.1875% | 904 |
| Net operating income to assets | 0.9717% | 2,976 |
| Return on assets (ROA) | 0.9717% | 3,006 |
| Pretax return on assets | 1.2060% | 2,725 |
| Return on Equity (ROE) | 10.2376% | 2,315 |
| Retained earnings to average equity (ytd only) | 4.5592% | 3,377 |
| Net charge-offs to loans | 0.0215% | 2,072 |
| Credit loss provision to net charge-offs | 1,333.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 99.1111% | 615 |
| Efficiency ratio | 68.7894% | 2,702 |
| Assets per employee ($millions) | 3.5241% | 4,640 |
| Cash dividends to net income (ytd only)* | 55.4662% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 1,139 |
| Loan loss allowance to noncurrent loans | 339.8477% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,531 |
| Noncurrent loans to loans | 0.4735% | 3,107 |
| Net loans and leases to total assets | 63.6537% | 3,354 |
| Net loans and leases to deposits | 71.7202% | 3,638 |
| Net loans and leases to core deposits | 74.9929% | 3,742 |
| Total domestic deposits to total assets | 88.7528% | 1,232 |
| Equity capital to assets | 9.4280% | 4,154 |
| Core capital (leverage) ratio | 10.3902% | 3,072 |
| Tier 1 risk-based capital ratio | 16.1345% | 2,413 |
| Total risk-based capital ratio | 17.3884% | 2,365 |
| Memoranda: | ||
| Average total assets | $256,050,000 | 2,474 |
| Average earning assets | $242,090,500 | 2,439 |
| Average equity | $24,302,500 | 2,744 |
| Average total loans | $167,679,000 | 2,499 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,043 |
| Cost of funding earning assets | 0.3629% | 3,592 |
| Net interest margin | 4.0311% | 1,653 |
| Noninterest income to average assets | 0.7077% | 1,927 |
| Noninterest expense to average assets | 3.1755% | 1,664 |
| Loan and lease loss provision to assets | 0.1943% | 1,078 |
| Net operating income to assets | 0.7610% | 3,343 |
| Return on assets (ROA) | 0.7624% | 3,374 |
| Pretax return on assets | 1.1090% | 3,151 |
| Return on Equity (ROE) | 7.6425% | 2,979 |
| Retained earnings to average equity (ytd only) | 1.3150% | 4,492 |
| Net charge-offs to loans | 0.0285% | 3,244 |
| Credit loss provision to net charge-offs | 1,021.2766% | 351 |
| Earnings coverage of net charge-offs (x) | 68.3830% | 870 |
| Efficiency ratio | 70.9324% | 2,410 |
| Assets per employee ($millions) | 3.5894% | 4,589 |
| Cash dividends to net income (ytd only)* | 82.7934% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 1,344 |
| Loan loss allowance to noncurrent loans | 271.6402% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 3,297 |
| Noncurrent loans to loans | 0.5594% | 2,820 |
| Net loans and leases to total assets | 65.2792% | 3,186 |
| Net loans and leases to deposits | 73.1005% | 3,587 |
| Net loans and leases to core deposits | 76.0927% | 3,736 |
| Total domestic deposits to total assets | 89.3005% | 869 |
| Equity capital to assets | 9.5553% | 4,184 |
| Core capital (leverage) ratio | 10.9272% | 2,402 |
| Tier 1 risk-based capital ratio | 16.2570% | 2,343 |
| Total risk-based capital ratio | 17.5106% | 2,280 |
| Memoranda: | ||
| Average total assets | $246,982,400 | 2,510 |
| Average earning assets | $230,930,800 | 2,491 |
| Average equity | $24,638,400 | 2,700 |
| Average total loans | $164,955,400 | 2,484 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 2,003 |
| Cost of funding earning assets | 0.3625% | 3,531 |
| Net interest margin | 4.0215% | 1,627 |
| Noninterest income to average assets | 0.7286% | 1,873 |
| Noninterest expense to average assets | 3.2313% | 1,493 |
| Loan and lease loss provision to assets | 0.1959% | 974 |
| Net operating income to assets | 0.8406% | 3,321 |
| Return on assets (ROA) | 0.8424% | 3,360 |
| Pretax return on assets | 1.0589% | 3,463 |
| Return on Equity (ROE) | 8.3526% | 2,954 |
| Retained earnings to average equity (ytd only) | 1.8076% | 4,706 |
| Net charge-offs to loans | 0.0260% | 2,919 |
| Credit loss provision to net charge-offs | 1,125.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 71.9302% | 874 |
| Efficiency ratio | 72.0631% | 2,196 |
| Assets per employee ($millions) | 3.4645% | 4,777 |
| Cash dividends to net income (ytd only)* | 78.3590% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 1,643 |
| Loan loss allowance to noncurrent loans | 269.3654% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 2,257 |
| Noncurrent loans to loans | 0.5461% | 3,061 |
| Net loans and leases to total assets | 68.0000% | 2,847 |
| Net loans and leases to deposits | 76.8014% | 3,298 |
| Net loans and leases to core deposits | 80.2948% | 3,428 |
| Total domestic deposits to total assets | 88.5401% | 1,101 |
| Equity capital to assets | 10.2711% | 3,618 |
| Core capital (leverage) ratio | 10.9601% | 2,498 |
| Tier 1 risk-based capital ratio | 16.6503% | 2,265 |
| Total risk-based capital ratio | 17.9040% | 2,220 |
| Memoranda: | ||
| Average total assets | $245,017,000 | 2,546 |
| Average earning assets | $228,797,750 | 2,532 |
| Average equity | $24,710,250 | 2,715 |
| Average total loans | $163,962,500 | 2,501 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 1,973 |
| Cost of funding earning assets | 0.3567% | 3,511 |
| Net interest margin | 3.9942% | 1,620 |
| Noninterest income to average assets | 0.8037% | 1,560 |
| Noninterest expense to average assets | 3.2410% | 1,493 |
| Loan and lease loss provision to assets | 0.1952% | 947 |
| Net operating income to assets | 0.8696% | 3,075 |
| Return on assets (ROA) | 0.8696% | 3,123 |
| Pretax return on assets | 1.0933% | 3,210 |
| Return on Equity (ROE) | 8.6755% | 2,680 |
| Retained earnings to average equity (ytd only) | 1.6312% | 4,605 |
| Net charge-offs to loans | 0.0197% | 2,850 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 99.0000% | 659 |
| Efficiency ratio | 71.5517% | 2,426 |
| Assets per employee ($millions) | 3.1617% | 5,134 |
| Cash dividends to net income (ytd only)* | 81.1974% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,859 |
| Loan loss allowance to noncurrent loans | 234.1609% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 2,201 |
| Noncurrent loans to loans | 0.6071% | 2,907 |
| Net loans and leases to total assets | 66.3070% | 3,055 |
| Net loans and leases to deposits | 74.8088% | 3,466 |
| Net loans and leases to core deposits | 78.3122% | 3,566 |
| Total domestic deposits to total assets | 88.6353% | 1,138 |
| Equity capital to assets | 10.1243% | 3,766 |
| Core capital (leverage) ratio | 10.8037% | 2,595 |
| Tier 1 risk-based capital ratio | 16.6377% | 2,263 |
| Total risk-based capital ratio | 17.8903% | 2,215 |
| Memoranda: | ||
| Average total assets | $245,850,670 | 2,550 |
| Average earning assets | $229,332,670 | 2,536 |
| Average equity | $24,644,000 | 2,726 |
| Average total loans | $162,825,670 | 2,520 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,020 |
| Cost of funding earning assets | 0.3580% | 3,446 |
| Net interest margin | 3.9201% | 1,707 |
| Noninterest income to average assets | 0.8148% | 1,503 |
| Noninterest expense to average assets | 3.2428% | 1,494 |
| Loan and lease loss provision to assets | 0.1955% | 851 |
| Net operating income to assets | 0.7610% | 3,424 |
| Return on assets (ROA) | 0.7610% | 3,477 |
| Pretax return on assets | 1.0348% | 3,215 |
| Return on Equity (ROE) | 7.6301% | 3,101 |
| Retained earnings to average equity (ytd only) | 0.5392% | 4,796 |
| Net charge-offs to loans | 0.0298% | 2,165 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 62.9167% | 778 |
| Efficiency ratio | 72.4954% | 2,488 |
| Assets per employee ($millions) | 3.2727% | 5,071 |
| Cash dividends to net income (ytd only)* | 92.9336% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,141 |
| Loan loss allowance to noncurrent loans | 279.5511% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 2,509 |
| Noncurrent loans to loans | 0.4953% | 3,319 |
| Net loans and leases to total assets | 64.2046% | 3,244 |
| Net loans and leases to deposits | 72.1907% | 3,594 |
| Net loans and leases to core deposits | 75.4450% | 3,703 |
| Total domestic deposits to total assets | 88.9376% | 1,171 |
| Equity capital to assets | 9.9029% | 3,873 |
| Core capital (leverage) ratio | 10.5520% | 2,842 |
| Tier 1 risk-based capital ratio | 16.7417% | 2,267 |
| Total risk-based capital ratio | 17.9937% | 2,236 |
| Memoranda: | ||
| Average total assets | $245,468,500 | 2,573 |
| Average earning assets | $229,076,500 | 2,562 |
| Average equity | $24,482,000 | 2,751 |
| Average total loans | $161,298,000 | 2,562 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,151 |
| Cost of funding earning assets | 0.3261% | 3,787 |
| Net interest margin | 3.9706% | 1,730 |
| Noninterest income to average assets | 0.8373% | 1,629 |
| Noninterest expense to average assets | 3.2224% | 1,738 |
| Loan and lease loss provision to assets | 0.1246% | 1,991 |
| Net operating income to assets | 0.9025% | 2,808 |
| Return on assets (ROA) | 0.9025% | 2,925 |
| Pretax return on assets | 1.1712% | 2,801 |
| Return on Equity (ROE) | 8.6745% | 2,579 |
| Retained earnings to average equity (ytd only) | 1.7325% | 4,545 |
| Net charge-offs to loans | 0.2078% | 1,341 |
| Credit loss provision to net charge-offs | 94.0439% | 2,724 |
| Earnings coverage of net charge-offs (x) | 9.7806% | 2,719 |
| Efficiency ratio | 71.3209% | 2,689 |
| Assets per employee ($millions) | 3.1870% | 5,163 |
| Cash dividends to net income (ytd only)* | 80.0276% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,386 |
| Loan loss allowance to noncurrent loans | 272.8900% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,554 |
| Noncurrent loans to loans | 0.4867% | 3,412 |
| Net loans and leases to total assets | 65.4497% | 3,151 |
| Net loans and leases to deposits | 74.0490% | 3,508 |
| Net loans and leases to core deposits | 77.3016% | 3,622 |
| Total domestic deposits to total assets | 88.3870% | 1,446 |
| Equity capital to assets | 10.0462% | 3,677 |
| Core capital (leverage) ratio | 10.9608% | 2,382 |
| Tier 1 risk-based capital ratio | 17.3000% | 2,062 |
| Total risk-based capital ratio | 18.5516% | 2,021 |
| Memoranda: | ||
| Average total assets | $240,783,800 | 2,569 |
| Average earning assets | $223,217,600 | 2,566 |
| Average equity | $25,050,400 | 2,716 |
| Average total loans | $153,526,200 | 2,598 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2691% | 2,261 |
| Cost of funding earning assets | 0.3143% | 3,929 |
| Net interest margin | 3.9548% | 1,794 |
| Noninterest income to average assets | 0.8512% | 1,571 |
| Noninterest expense to average assets | 3.2009% | 1,772 |
| Loan and lease loss provision to assets | 0.1165% | 1,987 |
| Net operating income to assets | 0.8917% | 2,952 |
| Return on assets (ROA) | 0.8917% | 3,083 |
| Pretax return on assets | 1.1978% | 2,846 |
| Return on Equity (ROE) | 8.4977% | 2,765 |
| Retained earnings to average equity (ytd only) | 1.6012% | 4,870 |
| Net charge-offs to loans | 0.0220% | 3,243 |
| Credit loss provision to net charge-offs | 840.0000% | 480 |
| Earnings coverage of net charge-offs (x) | 94.8071% | 691 |
| Efficiency ratio | 70.8917% | 2,762 |
| Assets per employee ($millions) | 3.1782% | 5,210 |
| Cash dividends to net income (ytd only)* | 81.1567% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,939 |
| Loan loss allowance to noncurrent loans | 116.5503% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 2,351 |
| Noncurrent loans to loans | 1.2526% | 1,786 |
| Net loans and leases to total assets | 66.2048% | 3,088 |
| Net loans and leases to deposits | 76.3269% | 3,372 |
| Net loans and leases to core deposits | 79.7946% | 3,466 |
| Total domestic deposits to total assets | 86.7384% | 2,009 |
| Equity capital to assets | 10.6987% | 3,355 |
| Core capital (leverage) ratio | 11.0716% | 2,378 |
| Tier 1 risk-based capital ratio | 17.0608% | 2,203 |
| Total risk-based capital ratio | 18.3142% | 2,161 |
| Memoranda: | ||
| Average total assets | $240,426,750 | 2,583 |
| Average earning assets | $222,742,500 | 2,577 |
| Average equity | $25,229,750 | 2,716 |
| Average total loans | $151,742,500 | 2,620 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,370 |
| Cost of funding earning assets | 0.3030% | 4,092 |
| Net interest margin | 3.9350% | 1,860 |
| Noninterest income to average assets | 0.8170% | 1,652 |
| Noninterest expense to average assets | 3.1977% | 1,818 |
| Loan and lease loss provision to assets | 0.0995% | 2,174 |
| Net operating income to assets | 0.8676% | 3,018 |
| Return on assets (ROA) | 0.8676% | 3,131 |
| Pretax return on assets | 1.1604% | 2,943 |
| Return on Equity (ROE) | 8.3217% | 2,823 |
| Retained earnings to average equity (ytd only) | 1.4161% | 4,813 |
| Net charge-offs to loans | 0.0483% | 2,514 |
| Credit loss provision to net charge-offs | 333.3333% | 885 |
| Earnings coverage of net charge-offs (x) | 42.1944% | 1,117 |
| Efficiency ratio | 71.7343% | 2,708 |
| Assets per employee ($millions) | 3.3212% | 5,029 |
| Cash dividends to net income (ytd only)* | 82.9828% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 2,134 |
| Loan loss allowance to noncurrent loans | 254.7836% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,871 |
| Noncurrent loans to loans | 0.5631% | 3,377 |
| Net loans and leases to total assets | 64.2719% | 3,328 |
| Net loans and leases to deposits | 74.2488% | 3,562 |
| Net loans and leases to core deposits | 77.4177% | 3,699 |
| Total domestic deposits to total assets | 86.5628% | 2,130 |
| Equity capital to assets | 10.6462% | 3,476 |
| Core capital (leverage) ratio | 10.9030% | 2,525 |
| Tier 1 risk-based capital ratio | 17.3455% | 2,117 |
| Total risk-based capital ratio | 18.5984% | 2,077 |
| Memoranda: | ||
| Average total assets | $241,114,000 | 2,594 |
| Average earning assets | $223,072,330 | 2,584 |
| Average equity | $25,139,000 | 2,728 |
| Average total loans | $148,941,000 | 2,665 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,569 |
| Cost of funding earning assets | 0.2963% | 4,202 |
| Net interest margin | 3.8772% | 2,002 |
| Noninterest income to average assets | 0.8476% | 1,453 |
| Noninterest expense to average assets | 3.1540% | 1,948 |
| Loan and lease loss provision to assets | 0.0991% | 2,039 |
| Net operating income to assets | 0.8558% | 2,969 |
| Return on assets (ROA) | 0.8558% | 3,085 |
| Pretax return on assets | 1.1829% | 2,768 |
| Return on Equity (ROE) | 8.2948% | 2,762 |
| Retained earnings to average equity (ytd only) | 1.3451% | 4,720 |
| Net charge-offs to loans | 0.0495% | 2,049 |
| Credit loss provision to net charge-offs | 333.3333% | 796 |
| Earnings coverage of net charge-offs (x) | 43.1111% | 967 |
| Efficiency ratio | 71.0987% | 2,937 |
| Assets per employee ($millions) | 3.3594% | 5,036 |
| Cash dividends to net income (ytd only)* | 83.7838% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,042 |
| Loan loss allowance to noncurrent loans | 222.3911% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,804 |
| Noncurrent loans to loans | 0.6694% | 3,166 |
| Net loans and leases to total assets | 60.0528% | 3,764 |
| Net loans and leases to deposits | 68.4052% | 4,018 |
| Net loans and leases to core deposits | 71.2467% | 4,132 |
| Total domestic deposits to total assets | 87.7898% | 1,756 |
| Equity capital to assets | 10.3895% | 3,631 |
| Core capital (leverage) ratio | 10.7560% | 2,667 |
| Tier 1 risk-based capital ratio | 17.9275% | 2,002 |
| Total risk-based capital ratio | 19.1809% | 1,971 |
| Memoranda: | ||
| Average total assets | $242,107,000 | 2,604 |
| Average earning assets | $224,077,000 | 2,593 |
| Average equity | $24,979,500 | 2,747 |
| Average total loans | $145,447,000 | 2,713 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 2,910 |
| Cost of funding earning assets | 0.2965% | 4,290 |
| Net interest margin | 3.8058% | 2,352 |
| Noninterest income to average assets | 0.7733% | 1,885 |
| Noninterest expense to average assets | 3.2615% | 1,809 |
| Loan and lease loss provision to assets | 0.1208% | 1,987 |
| Net operating income to assets | 0.6809% | 3,902 |
| Return on assets (ROA) | 0.6822% | 3,993 |
| Pretax return on assets | 0.9119% | 3,788 |
| Return on Equity (ROE) | 6.4475% | 3,811 |
| Retained earnings to average equity (ytd only) | -0.5006% | 5,594 |
| Net charge-offs to loans | 0.0271% | 3,687 |
| Credit loss provision to net charge-offs | 814.2857% | 420 |
| Earnings coverage of net charge-offs (x) | 69.5143% | 776 |
| Efficiency ratio | 75.9822% | 2,271 |
| Assets per employee ($millions) | 3.2311% | 5,261 |
| Cash dividends to net income (ytd only)* | 107.7640% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,001 |
| Loan loss allowance to noncurrent loans | 217.6946% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,825 |
| Noncurrent loans to loans | 0.6895% | 3,127 |
| Net loans and leases to total assets | 58.3040% | 4,039 |
| Net loans and leases to deposits | 66.2476% | 4,296 |
| Net loans and leases to core deposits | 69.0113% | 4,379 |
| Total domestic deposits to total assets | 88.0092% | 1,623 |
| Equity capital to assets | 10.2457% | 3,687 |
| Core capital (leverage) ratio | 11.0148% | 2,392 |
| Tier 1 risk-based capital ratio | 17.8712% | 2,000 |
| Total risk-based capital ratio | 19.1242% | 1,952 |
| Memoranda: | ||
| Average total assets | $235,999,000 | 2,614 |
| Average earning assets | $218,222,200 | 2,604 |
| Average equity | $24,970,800 | 2,697 |
| Average total loans | $128,967,400 | 2,900 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,071 |
| Cost of funding earning assets | 0.2914% | 4,437 |
| Net interest margin | 3.7760% | 2,474 |
| Noninterest income to average assets | 0.7997% | 1,807 |
| Noninterest expense to average assets | 3.2807% | 1,743 |
| Loan and lease loss provision to assets | 0.0256% | 3,754 |
| Net operating income to assets | 0.7916% | 3,470 |
| Return on assets (ROA) | 0.7934% | 3,549 |
| Pretax return on assets | 0.9891% | 3,652 |
| Return on Equity (ROE) | 7.4379% | 3,378 |
| Retained earnings to average equity (ytd only) | 0.4959% | 5,480 |
| Net charge-offs to loans | 0.0149% | 3,660 |
| Credit loss provision to net charge-offs | 321.4286% | 908 |
| Earnings coverage of net charge-offs (x) | 127.1168% | 515 |
| Efficiency ratio | 76.4176% | 2,176 |
| Assets per employee ($millions) | 3.1081% | 5,418 |
| Cash dividends to net income (ytd only)* | 93.3337% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 2,332 |
| Loan loss allowance to noncurrent loans | 214.6504% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 4,073 |
| Noncurrent loans to loans | 0.6796% | 3,285 |
| Net loans and leases to total assets | 56.0421% | 4,349 |
| Net loans and leases to deposits | 66.4405% | 4,345 |
| Net loans and leases to core deposits | 69.4502% | 4,420 |
| Total domestic deposits to total assets | 84.3492% | 3,285 |
| Equity capital to assets | 10.7757% | 3,267 |
| Core capital (leverage) ratio | 11.1413% | 2,357 |
| Tier 1 risk-based capital ratio | 20.2753% | 1,486 |
| Total risk-based capital ratio | 21.5282% | 1,452 |
| Memoranda: | ||
| Average total assets | $234,415,000 | 2,643 |
| Average earning assets | $216,871,250 | 2,630 |
| Average equity | $25,006,250 | 2,715 |
| Average total loans | $125,348,250 | 2,987 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,387 |
| Cost of funding earning assets | 0.2837% | 4,567 |
| Net interest margin | 3.6927% | 2,741 |
| Noninterest income to average assets | 0.8022% | 1,769 |
| Noninterest expense to average assets | 3.2318% | 1,891 |
| Loan and lease loss provision to assets | 0.0255% | 3,623 |
| Net operating income to assets | 0.8056% | 3,355 |
| Return on assets (ROA) | 0.8056% | 3,456 |
| Pretax return on assets | 0.9589% | 3,741 |
| Return on Equity (ROE) | 7.5775% | 3,275 |
| Retained earnings to average equity (ytd only) | 0.6248% | 5,311 |
| Net charge-offs to loans | 0.0228% | 3,209 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 82.5714% | 691 |
| Efficiency ratio | 76.6512% | 2,257 |
| Assets per employee ($millions) | 3.2071% | 5,331 |
| Cash dividends to net income (ytd only)* | 91.7548% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 2,228 |
| Loan loss allowance to noncurrent loans | 266.1581% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 4,508 |
| Noncurrent loans to loans | 0.5690% | 3,744 |
| Net loans and leases to total assets | 52.5796% | 4,697 |
| Net loans and leases to deposits | 60.0396% | 4,848 |
| Net loans and leases to core deposits | 62.4728% | 4,905 |
| Total domestic deposits to total assets | 87.5749% | 1,861 |
| Equity capital to assets | 10.4771% | 3,467 |
| Core capital (leverage) ratio | 10.8281% | 2,584 |
| Tier 1 risk-based capital ratio | 20.5473% | 1,441 |
| Total risk-based capital ratio | 21.8006% | 1,418 |
| Memoranda: | ||
| Average total assets | $234,851,000 | 2,664 |
| Average earning assets | $217,129,670 | 2,645 |
| Average equity | $24,968,670 | 2,727 |
| Average total loans | $122,940,330 | 3,039 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 3,688 |
| Cost of funding earning assets | 0.2766% | 4,707 |
| Net interest margin | 3.6064% | 2,973 |
| Noninterest income to average assets | 0.7962% | 1,724 |
| Noninterest expense to average assets | 3.2635% | 1,812 |
| Loan and lease loss provision to assets | 0.0257% | 3,367 |
| Net operating income to assets | 0.6626% | 3,992 |
| Return on assets (ROA) | 0.6626% | 4,116 |
| Pretax return on assets | 0.8339% | 4,114 |
| Return on Equity (ROE) | 6.1869% | 3,936 |
| Retained earnings to average equity (ytd only) | -0.7514% | 5,509 |
| Net charge-offs to loans | 0.0264% | 2,640 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 62.7500% | 711 |
| Efficiency ratio | 79.1528% | 2,012 |
| Assets per employee ($millions) | 3.2310% | 5,354 |
| Cash dividends to net income (ytd only)* | 112.1447% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 2,312 |
| Loan loss allowance to noncurrent loans | 282.1270% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 4,717 |
| Noncurrent loans to loans | 0.5430% | 3,959 |
| Net loans and leases to total assets | 50.6634% | 4,779 |
| Net loans and leases to deposits | 57.8234% | 4,933 |
| Net loans and leases to core deposits | 60.1868% | 4,984 |
| Total domestic deposits to total assets | 87.6174% | 2,035 |
| Equity capital to assets | 10.3750% | 3,685 |
| Core capital (leverage) ratio | 11.2230% | 2,214 |
| Tier 1 risk-based capital ratio | 21.9902% | 1,250 |
| Total risk-based capital ratio | 23.2444% | 1,227 |
| Memoranda: | ||
| Average total assets | $233,613,500 | 2,691 |
| Average earning assets | $215,506,500 | 2,681 |
| Average equity | $25,020,500 | 2,749 |
| Average total loans | $121,058,500 | 3,079 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 2,751 |
| Cost of funding earning assets | 0.2948% | 4,843 |
| Net interest margin | 3.9632% | 2,002 |
| Noninterest income to average assets | 0.8657% | 1,623 |
| Noninterest expense to average assets | 3.2911% | 1,955 |
| Loan and lease loss provision to assets | 0.0120% | 4,382 |
| Net operating income to assets | 0.9284% | 2,734 |
| Return on assets (ROA) | 0.9948% | 2,485 |
| Pretax return on assets | 1.2903% | 2,277 |
| Return on Equity (ROE) | 8.0992% | 3,078 |
| Retained earnings to average equity (ytd only) | 1.2910% | 5,196 |
| Net charge-offs to loans | -0.1429% | 6,199 |
| Credit loss provision to net charge-offs | -15.6250% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0189% | 3,025 |
| Assets per employee ($millions) | 3.1237% | 5,524 |
| Cash dividends to net income (ytd only)* | 84.0601% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6204% | 2,027 |
| Loan loss allowance to noncurrent loans | 275.3980% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 4,432 |
| Noncurrent loans to loans | 0.5884% | 3,899 |
| Net loans and leases to total assets | 51.3708% | 4,846 |
| Net loans and leases to deposits | 59.1041% | 4,975 |
| Net loans and leases to core deposits | 61.7365% | 5,019 |
| Total domestic deposits to total assets | 86.9158% | 2,328 |
| Equity capital to assets | 11.0714% | 2,831 |
| Core capital (leverage) ratio | 12.6836% | 1,264 |
| Tier 1 risk-based capital ratio | 16.4213% | 2,749 |
| Total risk-based capital ratio | 17.6154% | 2,723 |
| Memoranda: | ||
| Average total assets | $207,469,600 | 2,908 |
| Average earning assets | $190,630,000 | 2,899 |
| Average equity | $25,484,000 | 2,612 |
| Average total loans | $111,998,200 | 3,179 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 2,521 |
| Cost of funding earning assets | 0.2942% | 4,933 |
| Net interest margin | 4.0306% | 1,788 |
| Noninterest income to average assets | 0.8422% | 1,737 |
| Noninterest expense to average assets | 3.1949% | 2,193 |
| Loan and lease loss provision to assets | 0.0164% | 4,086 |
| Net operating income to assets | 1.0047% | 2,432 |
| Return on assets (ROA) | 1.0923% | 2,129 |
| Pretax return on assets | 1.4534% | 1,794 |
| Return on Equity (ROE) | 8.6563% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.8675% | 5,122 |
| Net charge-offs to loans | -0.2121% | 6,322 |
| Credit loss provision to net charge-offs | -14.2045% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2512% | 3,469 |
| Assets per employee ($millions) | 2.7856% | 5,986 |
| Cash dividends to net income (ytd only)* | 78.4257% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 2,072 |
| Loan loss allowance to noncurrent loans | 277.7135% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 4,527 |
| Noncurrent loans to loans | 0.6011% | 4,129 |
| Net loans and leases to total assets | 56.3585% | 4,287 |
| Net loans and leases to deposits | 65.9094% | 4,334 |
| Net loans and leases to core deposits | 69.1047% | 4,404 |
| Total domestic deposits to total assets | 85.5090% | 3,110 |
| Equity capital to assets | 12.8995% | 1,476 |
| Core capital (leverage) ratio | 12.9303% | 1,213 |
| Tier 1 risk-based capital ratio | 19.5963% | 1,760 |
| Total risk-based capital ratio | 20.8489% | 1,731 |
| Memoranda: | ||
| Average total assets | $203,111,000 | 2,977 |
| Average earning assets | $186,732,750 | 2,973 |
| Average equity | $25,630,000 | 2,613 |
| Average total loans | $110,638,250 | 3,222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 2,554 |
| Cost of funding earning assets | 0.2885% | 5,091 |
| Net interest margin | 4.0205% | 1,758 |
| Noninterest income to average assets | 0.8070% | 1,812 |
| Noninterest expense to average assets | 3.0428% | 2,680 |
| Loan and lease loss provision to assets | 0.0245% | 3,788 |
| Net operating income to assets | 1.0600% | 2,081 |
| Return on assets (ROA) | 1.0600% | 2,157 |
| Pretax return on assets | 1.4297% | 1,787 |
| Return on Equity (ROE) | 8.4621% | 2,855 |
| Retained earnings to average equity (ytd only) | 1.6674% | 5,068 |
| Net charge-offs to loans | -0.3480% | 6,463 |
| Credit loss provision to net charge-offs | -13.1579% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6625% | 4,071 |
| Assets per employee ($millions) | 2.6980% | 6,136 |
| Cash dividends to net income (ytd only)* | 80.2960% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 1,978 |
| Loan loss allowance to noncurrent loans | 314.3089% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 3,217 |
| Noncurrent loans to loans | 0.5562% | 4,350 |
| Net loans and leases to total assets | 52.2977% | 4,719 |
| Net loans and leases to deposits | 60.8145% | 4,800 |
| Net loans and leases to core deposits | 63.9156% | 4,823 |
| Total domestic deposits to total assets | 85.9955% | 3,035 |
| Equity capital to assets | 12.4522% | 1,675 |
| Core capital (leverage) ratio | 12.5023% | 1,393 |
| Tier 1 risk-based capital ratio | 18.6279% | 2,029 |
| Total risk-based capital ratio | 19.8797% | 1,987 |
| Memoranda: | ||
| Average total assets | $203,959,330 | 2,983 |
| Average earning assets | $187,190,000 | 2,987 |
| Average equity | $25,549,330 | 2,612 |
| Average total loans | $109,199,330 | 3,265 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1175% | 3,213 |
| Cost of funding earning assets | 0.2827% | 5,248 |
| Net interest margin | 3.8348% | 2,330 |
| Noninterest income to average assets | 0.7582% | 1,921 |
| Noninterest expense to average assets | 2.9773% | 2,956 |
| Loan and lease loss provision to assets | 0.0297% | 3,431 |
| Net operating income to assets | 0.9878% | 2,257 |
| Return on assets (ROA) | 0.9878% | 2,313 |
| Pretax return on assets | 1.2689% | 2,218 |
| Return on Equity (ROE) | 7.8615% | 3,003 |
| Retained earnings to average equity (ytd only) | 1.0240% | 5,187 |
| Net charge-offs to loans | 0.0074% | 3,501 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 145 |
| Efficiency ratio | 69.6296% | 3,892 |
| Assets per employee ($millions) | 3.1250% | 5,640 |
| Cash dividends to net income (ytd only)* | 86.9739% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 2,820 |
| Loan loss allowance to noncurrent loans | 110.8195% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8388% | 3,627 |
| Noncurrent loans to loans | 1.4199% | 2,652 |
| Net loans and leases to total assets | 52.4980% | 4,617 |
| Net loans and leases to deposits | 60.9158% | 4,670 |
| Net loans and leases to core deposits | 63.6970% | 4,715 |
| Total domestic deposits to total assets | 86.1812% | 3,265 |
| Equity capital to assets | 12.3890% | 1,632 |
| Core capital (leverage) ratio | 12.5689% | 1,356 |
| Tier 1 risk-based capital ratio | 17.7523% | 2,389 |
| Total risk-based capital ratio | 18.9385% | 2,385 |
| Memoranda: | ||
| Average total assets | $202,065,500 | 3,026 |
| Average earning assets | $185,354,000 | 3,028 |
| Average equity | $25,389,500 | 2,612 |
| Average total loans | $108,509,000 | 3,292 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,711 |
| Cost of funding earning assets | 0.2969% | 5,622 |
| Net interest margin | 4.0685% | 1,734 |
| Noninterest income to average assets | 0.7085% | 2,495 |
| Noninterest expense to average assets | 3.1472% | 2,603 |
| Loan and lease loss provision to assets | 0.0207% | 4,716 |
| Net operating income to assets | 0.9989% | 2,324 |
| Return on assets (ROA) | 0.9989% | 2,394 |
| Pretax return on assets | 1.2785% | 2,240 |
| Return on Equity (ROE) | 7.6469% | 3,221 |
| Retained earnings to average equity (ytd only) | 0.7583% | 5,497 |
| Net charge-offs to loans | 0.0291% | 4,842 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 536 |
| Efficiency ratio | 70.7804% | 3,704 |
| Assets per employee ($millions) | 2.9982% | 5,839 |
| Cash dividends to net income (ytd only)* | 90.0831% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6054% | 2,740 |
| Loan loss allowance to noncurrent loans | 87.5637% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0910% | 3,226 |
| Noncurrent loans to loans | 1.8335% | 2,192 |
| Net loans and leases to total assets | 53.2097% | 4,695 |
| Net loans and leases to deposits | 62.0045% | 4,717 |
| Net loans and leases to core deposits | 63.9947% | 4,870 |
| Total domestic deposits to total assets | 85.8159% | 3,354 |
| Equity capital to assets | 12.7484% | 1,397 |
| Core capital (leverage) ratio | 13.0281% | 1,130 |
| Tier 1 risk-based capital ratio | 18.6237% | 2,042 |
| Total risk-based capital ratio | 19.8619% | 2,012 |
| Memoranda: | ||
| Average total assets | $192,805,800 | 3,113 |
| Average earning assets | $177,140,400 | 3,112 |
| Average equity | $25,186,600 | 2,613 |
| Average total loans | $102,984,000 | 3,379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 2,659 |
| Cost of funding earning assets | 0.3018% | 5,718 |
| Net interest margin | 4.0763% | 1,700 |
| Noninterest income to average assets | 0.7003% | 2,610 |
| Noninterest expense to average assets | 3.1019% | 2,643 |
| Loan and lease loss provision to assets | 0.0278% | 4,454 |
| Net operating income to assets | 1.0811% | 2,083 |
| Return on assets (ROA) | 1.0811% | 2,161 |
| Pretax return on assets | 1.3310% | 2,210 |
| Return on Equity (ROE) | 8.2244% | 3,011 |
| Retained earnings to average equity (ytd only) | 1.3293% | 5,450 |
| Net charge-offs to loans | 0.0392% | 4,359 |
| Credit loss provision to net charge-offs | 133.3333% | 1,769 |
| Earnings coverage of net charge-offs (x) | 65.0650% | 702 |
| Efficiency ratio | 69.5381% | 3,827 |
| Assets per employee ($millions) | 2.8433% | 6,088 |
| Cash dividends to net income (ytd only)* | 83.8381% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 2,794 |
| Loan loss allowance to noncurrent loans | 107.9146% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 3,904 |
| Noncurrent loans to loans | 1.5308% | 2,869 |
| Net loans and leases to total assets | 55.3416% | 4,410 |
| Net loans and leases to deposits | 66.5335% | 4,235 |
| Net loans and leases to core deposits | 69.1133% | 4,422 |
| Total domestic deposits to total assets | 83.1786% | 4,508 |
| Equity capital to assets | 13.4331% | 1,146 |
| Core capital (leverage) ratio | 13.8948% | 892 |
| Tier 1 risk-based capital ratio | 20.7526% | 1,542 |
| Total risk-based capital ratio | 22.0041% | 1,519 |
| Memoranda: | ||
| Average total assets | $191,536,500 | 3,160 |
| Average earning assets | $176,690,750 | 3,148 |
| Average equity | $25,176,500 | 2,639 |
| Average total loans | $101,977,250 | 3,427 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 2,709 |
| Cost of funding earning assets | 0.3063% | 5,783 |
| Net interest margin | 4.0548% | 1,676 |
| Noninterest income to average assets | 0.6430% | 2,948 |
| Noninterest expense to average assets | 3.0365% | 2,885 |
| Loan and lease loss provision to assets | 0.0413% | 4,130 |
| Net operating income to assets | 1.0641% | 2,060 |
| Return on assets (ROA) | 1.0641% | 2,179 |
| Pretax return on assets | 1.3087% | 2,267 |
| Return on Equity (ROE) | 8.1523% | 3,012 |
| Retained earnings to average equity (ytd only) | 1.2889% | 5,379 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2235% | 3,973 |
| Assets per employee ($millions) | 2.9271% | 5,975 |
| Cash dividends to net income (ytd only)* | 84.1901% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7190% | 2,709 |
| Loan loss allowance to noncurrent loans | 106.1968% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 4,045 |
| Noncurrent loans to loans | 1.6187% | 2,881 |
| Net loans and leases to total assets | 51.7304% | 4,902 |
| Net loans and leases to deposits | 60.7011% | 4,893 |
| Net loans and leases to core deposits | 62.8582% | 5,023 |
| Total domestic deposits to total assets | 85.2216% | 3,783 |
| Equity capital to assets | 12.7451% | 1,442 |
| Core capital (leverage) ratio | 13.2270% | 1,081 |
| Tier 1 risk-based capital ratio | 19.3696% | 1,887 |
| Total risk-based capital ratio | 20.6204% | 1,860 |
| Memoranda: | ||
| Average total assets | $193,778,000 | 3,143 |
| Average earning assets | $178,900,000 | 3,131 |
| Average equity | $25,293,330 | 2,648 |
| Average total loans | $101,304,330 | 3,448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3507% | 2,689 |
| Cost of funding earning assets | 0.3233% | 5,775 |
| Net interest margin | 4.0273% | 1,687 |
| Noninterest income to average assets | 0.7276% | 2,437 |
| Noninterest expense to average assets | 3.2194% | 2,293 |
| Loan and lease loss provision to assets | 0.0618% | 3,601 |
| Net operating income to assets | 0.9584% | 2,410 |
| Return on assets (ROA) | 0.9584% | 2,542 |
| Pretax return on assets | 1.1686% | 2,688 |
| Return on Equity (ROE) | 7.2574% | 3,347 |
| Retained earnings to average equity (ytd only) | 0.4838% | 5,633 |
| Net charge-offs to loans | -0.0040% | 5,223 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3483% | 3,557 |
| Assets per employee ($millions) | 3.4888% | 5,007 |
| Cash dividends to net income (ytd only)* | 93.3333% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6997% | 3,009 |
| Loan loss allowance to noncurrent loans | 83.6460% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.1726% | 3,611 |
| Noncurrent loans to loans | 2.0320% | 2,588 |
| Net loans and leases to total assets | 51.4784% | 4,775 |
| Net loans and leases to deposits | 60.8228% | 4,705 |
| Net loans and leases to core deposits | 62.9891% | 4,846 |
| Total domestic deposits to total assets | 84.6367% | 4,207 |
| Equity capital to assets | 13.0830% | 1,392 |
| Core capital (leverage) ratio | 13.1138% | 1,071 |
| Tier 1 risk-based capital ratio | 25.9095% | 791 |
| Total risk-based capital ratio | 27.1655% | 783 |
| Memoranda: | ||
| Average total assets | $194,073,000 | 3,170 |
| Average earning assets | $179,374,500 | 3,155 |
| Average equity | $25,629,000 | 2,646 |
| Average total loans | $101,114,000 | 3,477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 1,632 |
| Cost of funding earning assets | 0.4083% | 5,859 |
| Net interest margin | 4.5666% | 835 |
| Noninterest income to average assets | 0.5372% | 3,664 |
| Noninterest expense to average assets | 3.2337% | 2,506 |
| Loan and lease loss provision to assets | 0.0649% | 4,949 |
| Net operating income to assets | 1.1335% | 1,826 |
| Return on assets (ROA) | 1.1794% | 1,831 |
| Pretax return on assets | 1.5208% | 1,620 |
| Return on Equity (ROE) | 8.4764% | 2,880 |
| Retained earnings to average equity (ytd only) | 1.7303% | 4,994 |
| Net charge-offs to loans | 0.0031% | 5,943 |
| Credit loss provision to net charge-offs | 4,000.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 940.6667% | 33 |
| Efficiency ratio | 67.9282% | 4,158 |
| Assets per employee ($millions) | 3.1602% | 5,713 |
| Cash dividends to net income (ytd only)* | 79.5872% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 2,896 |
| Loan loss allowance to noncurrent loans | 88.0866% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1158% | 3,789 |
| Noncurrent loans to loans | 1.9407% | 2,757 |
| Net loans and leases to total assets | 50.9439% | 5,045 |
| Net loans and leases to deposits | 60.3915% | 4,983 |
| Net loans and leases to core deposits | 63.1661% | 5,043 |
| Total domestic deposits to total assets | 84.3560% | 4,152 |
| Equity capital to assets | 13.3303% | 1,297 |
| Core capital (leverage) ratio | 14.1079% | 770 |
| Tier 1 risk-based capital ratio | 26.1393% | 755 |
| Total risk-based capital ratio | 27.3959% | 747 |
| Memoranda: | ||
| Average total assets | $184,832,000 | 3,246 |
| Average earning assets | $170,935,000 | 3,220 |
| Average equity | $25,718,600 | 2,594 |
| Average total loans | $98,121,800 | 3,569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9987% | 1,699 |
| Cost of funding earning assets | 0.4328% | 5,920 |
| Net interest margin | 4.5659% | 873 |
| Noninterest income to average assets | 0.5877% | 3,363 |
| Noninterest expense to average assets | 3.2172% | 2,508 |
| Loan and lease loss provision to assets | 0.0875% | 4,514 |
| Net operating income to assets | 1.2301% | 1,629 |
| Return on assets (ROA) | 1.2301% | 1,803 |
| Pretax return on assets | 1.5065% | 1,858 |
| Return on Equity (ROE) | 8.7439% | 2,930 |
| Retained earnings to average equity (ytd only) | 1.9955% | 5,324 |
| Net charge-offs to loans | 0.0109% | 5,557 |
| Credit loss provision to net charge-offs | 1,500.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 273.1575% | 168 |
| Efficiency ratio | 66.8687% | 4,274 |
| Assets per employee ($millions) | 2.8599% | 6,276 |
| Cash dividends to net income (ytd only)* | 77.1785% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,031 |
| Loan loss allowance to noncurrent loans | 97.1477% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 4,084 |
| Noncurrent loans to loans | 1.7841% | 3,101 |
| Net loans and leases to total assets | 54.4519% | 4,677 |
| Net loans and leases to deposits | 65.7389% | 4,499 |
| Net loans and leases to core deposits | 70.5351% | 4,429 |
| Total domestic deposits to total assets | 82.8307% | 4,715 |
| Equity capital to assets | 14.6772% | 918 |
| Core capital (leverage) ratio | 14.0400% | 828 |
| Tier 1 risk-based capital ratio | 27.7645% | 680 |
| Total risk-based capital ratio | 29.0220% | 663 |
| Memoranda: | ||
| Average total assets | $182,847,250 | 3,302 |
| Average earning assets | $169,133,000 | 3,274 |
| Average equity | $25,724,000 | 2,617 |
| Average total loans | $97,674,000 | 3,617 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9161% | 2,041 |
| Cost of funding earning assets | 0.4511% | 5,967 |
| Net interest margin | 4.4650% | 1,053 |
| Noninterest income to average assets | 0.5447% | 3,619 |
| Noninterest expense to average assets | 3.1696% | 2,692 |
| Loan and lease loss provision to assets | 0.1299% | 3,904 |
| Net operating income to assets | 1.1847% | 1,766 |
| Return on assets (ROA) | 1.1847% | 1,964 |
| Pretax return on assets | 1.3829% | 2,269 |
| Return on Equity (ROE) | 8.5390% | 3,003 |
| Retained earnings to average equity (ytd only) | 1.7640% | 5,312 |
| Net charge-offs to loans | 0.0123% | 5,282 |
| Credit loss provision to net charge-offs | 2,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 232.8333% | 184 |
| Efficiency ratio | 67.6920% | 4,187 |
| Assets per employee ($millions) | 2.9584% | 6,138 |
| Cash dividends to net income (ytd only)* | 79.3419% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 3,079 |
| Loan loss allowance to noncurrent loans | 99.1856% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0613% | 4,259 |
| Noncurrent loans to loans | 1.7512% | 3,272 |
| Net loans and leases to total assets | 51.7518% | 5,129 |
| Net loans and leases to deposits | 62.5184% | 4,934 |
| Net loans and leases to core deposits | 64.2260% | 5,192 |
| Total domestic deposits to total assets | 82.7785% | 4,836 |
| Equity capital to assets | 13.8187% | 1,173 |
| Core capital (leverage) ratio | 13.5791% | 948 |
| Tier 1 risk-based capital ratio | 27.0830% | 720 |
| Total risk-based capital ratio | 28.3396% | 704 |
| Memoranda: | ||
| Average total assets | $184,691,000 | 3,284 |
| Average earning assets | $171,153,670 | 3,259 |
| Average equity | $25,623,670 | 2,612 |
| Average total loans | $97,480,330 | 3,638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 2,786 |
| Cost of funding earning assets | 0.4704% | 6,012 |
| Net interest margin | 4.2946% | 1,480 |
| Noninterest income to average assets | 0.7550% | 2,372 |
| Noninterest expense to average assets | 3.1265% | 2,828 |
| Loan and lease loss provision to assets | 0.1305% | 3,712 |
| Net operating income to assets | 1.2162% | 1,688 |
| Return on assets (ROA) | 1.2162% | 1,872 |
| Pretax return on assets | 1.4904% | 1,893 |
| Return on Equity (ROE) | 8.7487% | 2,934 |
| Retained earnings to average equity (ytd only) | 1.9563% | 5,282 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8570% | 4,582 |
| Assets per employee ($millions) | 2.9603% | 6,236 |
| Cash dividends to net income (ytd only)* | 77.6386% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7030% | 3,338 |
| Loan loss allowance to noncurrent loans | 89.5822% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 4,199 |
| Noncurrent loans to loans | 1.9011% | 3,281 |
| Net loans and leases to total assets | 50.2980% | 5,263 |
| Net loans and leases to deposits | 60.4977% | 5,096 |
| Net loans and leases to core deposits | 63.6199% | 5,163 |
| Total domestic deposits to total assets | 83.1402% | 4,870 |
| Equity capital to assets | 13.4975% | 1,241 |
| Core capital (leverage) ratio | 13.5356% | 936 |
| Tier 1 risk-based capital ratio | 26.3306% | 780 |
| Total risk-based capital ratio | 27.5863% | 765 |
| Memoranda: | ||
| Average total assets | $183,847,500 | 3,322 |
| Average earning assets | $170,911,500 | 3,275 |
| Average equity | $25,558,000 | 2,619 |
| Average total loans | $97,141,000 | 3,659 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1613% | 2,221 |
| Cost of funding earning assets | 0.5346% | 6,403 |
| Net interest margin | 4.6267% | 869 |
| Noninterest income to average assets | 0.8364% | 1,903 |
| Noninterest expense to average assets | 3.0893% | 3,238 |
| Loan and lease loss provision to assets | 0.2265% | 3,940 |
| Net operating income to assets | 1.5058% | 812 |
| Return on assets (ROA) | 1.5058% | 881 |
| Pretax return on assets | 1.8728% | 705 |
| Return on Equity (ROE) | 10.6713% | 1,811 |
| Retained earnings to average equity (ytd only) | 3.7043% | 3,574 |
| Net charge-offs to loans | 0.3971% | 3,428 |
| Credit loss provision to net charge-offs | 101.2658% | 3,434 |
| Earnings coverage of net charge-offs (x) | 9.3848% | 1,992 |
| Efficiency ratio | 59.5394% | 5,827 |
| Assets per employee ($millions) | 2.9706% | 6,154 |
| Cash dividends to net income (ytd only)* | 65.2877% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 3,445 |
| Loan loss allowance to noncurrent loans | 79.8294% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 3,969 |
| Noncurrent loans to loans | 2.0475% | 3,144 |
| Net loans and leases to total assets | 53.7186% | 5,078 |
| Net loans and leases to deposits | 65.3889% | 4,820 |
| Net loans and leases to core deposits | 69.2044% | 4,882 |
| Total domestic deposits to total assets | 82.1525% | 5,077 |
| Equity capital to assets | 14.3314% | 957 |
| Core capital (leverage) ratio | 14.7645% | 657 |
| Tier 1 risk-based capital ratio | 26.4411% | 743 |
| Total risk-based capital ratio | 27.6958% | 730 |
| Memoranda: | ||
| Average total assets | $176,579,800 | 3,387 |
| Average earning assets | $166,102,000 | 3,308 |
| Average equity | $24,917,200 | 2,594 |
| Average total loans | $99,482,800 | 3,634 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 2,200 |
| Cost of funding earning assets | 0.5477% | 6,522 |
| Net interest margin | 4.6542% | 839 |
| Noninterest income to average assets | 0.8325% | 1,915 |
| Noninterest expense to average assets | 3.1084% | 3,126 |
| Loan and lease loss provision to assets | 0.1703% | 4,337 |
| Net operating income to assets | 1.4933% | 952 |
| Return on assets (ROA) | 1.4933% | 1,034 |
| Pretax return on assets | 1.9466% | 697 |
| Return on Equity (ROE) | 10.6242% | 1,983 |
| Retained earnings to average equity (ytd only) | 3.6132% | 4,177 |
| Net charge-offs to loans | 0.1426% | 4,639 |
| Credit loss provision to net charge-offs | 210.2804% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.1408% | 1,026 |
| Efficiency ratio | 59.4873% | 5,795 |
| Assets per employee ($millions) | 2.9132% | 6,289 |
| Cash dividends to net income (ytd only)* | 65.9910% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7141% | 3,223 |
| Loan loss allowance to noncurrent loans | 67.8884% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 3,790 |
| Noncurrent loans to loans | 2.5249% | 2,745 |
| Net loans and leases to total assets | 57.8262% | 4,538 |
| Net loans and leases to deposits | 71.1272% | 4,119 |
| Net loans and leases to core deposits | 76.5631% | 4,123 |
| Total domestic deposits to total assets | 81.2997% | 5,335 |
| Equity capital to assets | 15.2091% | 793 |
| Core capital (leverage) ratio | 14.4658% | 780 |
| Tier 1 risk-based capital ratio | 27.0056% | 735 |
| Total risk-based capital ratio | 28.2632% | 724 |
| Memoranda: | ||
| Average total assets | $176,165,250 | 3,407 |
| Average earning assets | $166,267,000 | 3,314 |
| Average equity | $24,760,500 | 2,608 |
| Average total loans | $100,019,000 | 3,650 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 2,459 |
| Cost of funding earning assets | 0.5637% | 6,615 |
| Net interest margin | 4.5869% | 931 |
| Noninterest income to average assets | 0.7941% | 2,046 |
| Noninterest expense to average assets | 3.0678% | 3,369 |
| Loan and lease loss provision to assets | 0.1680% | 4,255 |
| Net operating income to assets | 1.4392% | 1,000 |
| Return on assets (ROA) | 1.4392% | 1,060 |
| Pretax return on assets | 1.8962% | 713 |
| Return on Equity (ROE) | 10.5121% | 1,943 |
| Retained earnings to average equity (ytd only) | 3.4113% | 4,086 |
| Net charge-offs to loans | 0.2055% | 3,925 |
| Credit loss provision to net charge-offs | 145.6311% | 2,101 |
| Earnings coverage of net charge-offs (x) | 17.8932% | 1,278 |
| Efficiency ratio | 59.7774% | 5,909 |
| Assets per employee ($millions) | 3.0483% | 5,979 |
| Cash dividends to net income (ytd only)* | 67.5486% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 3,648 |
| Loan loss allowance to noncurrent loans | 56.9585% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.8291% | 3,471 |
| Noncurrent loans to loans | 2.8286% | 2,573 |
| Net loans and leases to total assets | 57.3942% | 4,744 |
| Net loans and leases to deposits | 72.1193% | 4,091 |
| Net loans and leases to core deposits | 78.2411% | 4,028 |
| Total domestic deposits to total assets | 79.5823% | 5,933 |
| Equity capital to assets | 14.4557% | 950 |
| Core capital (leverage) ratio | 13.9997% | 869 |
| Tier 1 risk-based capital ratio | 25.9964% | 818 |
| Total risk-based capital ratio | 27.2510% | 796 |
| Memoranda: | ||
| Average total assets | $178,565,330 | 3,384 |
| Average earning assets | $168,874,000 | 3,295 |
| Average equity | $24,448,000 | 2,614 |
| Average total loans | $100,222,000 | 3,681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 2,775 |
| Cost of funding earning assets | 0.5973% | 6,621 |
| Net interest margin | 4.4728% | 1,124 |
| Noninterest income to average assets | 0.8355% | 1,903 |
| Noninterest expense to average assets | 2.9485% | 3,859 |
| Loan and lease loss provision to assets | 0.1658% | 3,969 |
| Net operating income to assets | 1.4919% | 890 |
| Return on assets (ROA) | 1.4919% | 935 |
| Pretax return on assets | 1.9583% | 596 |
| Return on Equity (ROE) | 11.1970% | 1,682 |
| Retained earnings to average equity (ytd only) | 3.9978% | 3,777 |
| Net charge-offs to loans | 0.3612% | 2,617 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 10.6778% | 1,615 |
| Efficiency ratio | 58.1264% | 6,252 |
| Assets per employee ($millions) | 3.2299% | 5,643 |
| Cash dividends to net income (ytd only)* | 64.2963% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 3,929 |
| Loan loss allowance to noncurrent loans | 50.5470% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 3,617 |
| Noncurrent loans to loans | 3.0796% | 2,438 |
| Net loans and leases to total assets | 54.9277% | 5,172 |
| Net loans and leases to deposits | 65.7420% | 5,010 |
| Net loans and leases to core deposits | 71.2074% | 4,902 |
| Total domestic deposits to total assets | 83.5504% | 4,678 |
| Equity capital to assets | 13.5100% | 1,181 |
| Core capital (leverage) ratio | 13.3428% | 1,014 |
| Tier 1 risk-based capital ratio | 25.5373% | 830 |
| Total risk-based capital ratio | 26.7921% | 806 |
| Memoranda: | ||
| Average total assets | $180,972,500 | 3,374 |
| Average earning assets | $171,434,500 | 3,277 |
| Average equity | $24,113,500 | 2,633 |
| Average total loans | $99,655,000 | 3,733 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 4,224 |
| Cost of funding earning assets | 0.7406% | 6,760 |
| Net interest margin | 4.3311% | 1,708 |
| Noninterest income to average assets | 0.6629% | 3,064 |
| Noninterest expense to average assets | 2.6403% | 5,261 |
| Loan and lease loss provision to assets | 0.2367% | 4,914 |
| Net operating income to assets | 1.4135% | 917 |
| Return on assets (ROA) | 1.4135% | 990 |
| Pretax return on assets | 1.8988% | 612 |
| Return on Equity (ROE) | 10.7932% | 1,648 |
| Retained earnings to average equity (ytd only) | 0.0986% | 5,537 |
| Net charge-offs to loans | 0.0788% | 6,032 |
| Credit loss provision to net charge-offs | 602.7397% | 356 |
| Earnings coverage of net charge-offs (x) | 54.3699% | 435 |
| Efficiency ratio | 55.2839% | 6,680 |
| Assets per employee ($millions) | 3.3532% | 5,297 |
| Cash dividends to net income (ytd only)* | 99.0864% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,531 |
| Loan loss allowance to noncurrent loans | 47.3292% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 3,523 |
| Noncurrent loans to loans | 3.4059% | 2,230 |
| Net loans and leases to total assets | 53.4613% | 5,706 |
| Net loans and leases to deposits | 64.4872% | 5,576 |
| Net loans and leases to core deposits | 68.9736% | 5,556 |
| Total domestic deposits to total assets | 82.9023% | 4,836 |
| Equity capital to assets | 13.1390% | 1,325 |
| Core capital (leverage) ratio | 13.4453% | 986 |
| Tier 1 risk-based capital ratio | 25.6088% | 796 |
| Total risk-based capital ratio | 26.8628% | 770 |
| Memoranda: | ||
| Average total assets | $185,853,000 | 3,282 |
| Average earning assets | $176,489,200 | 3,160 |
| Average equity | $24,339,400 | 2,622 |
| Average total loans | $92,691,600 | 3,987 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 4,448 |
| Cost of funding earning assets | 0.7600% | 6,887 |
| Net interest margin | 4.3157% | 1,791 |
| Noninterest income to average assets | 0.6636% | 3,049 |
| Noninterest expense to average assets | 2.6189% | 5,247 |
| Loan and lease loss provision to assets | 0.1283% | 5,742 |
| Net operating income to assets | 1.5354% | 855 |
| Return on assets (ROA) | 1.5354% | 935 |
| Pretax return on assets | 2.0130% | 607 |
| Return on Equity (ROE) | 11.7334% | 1,574 |
| Retained earnings to average equity (ytd only) | -0.0817% | 5,806 |
| Net charge-offs to loans | 0.0950% | 5,585 |
| Credit loss provision to net charge-offs | 276.9231% | 1,179 |
| Earnings coverage of net charge-offs (x) | 46.2177% | 602 |
| Efficiency ratio | 55.0165% | 6,681 |
| Assets per employee ($millions) | 3.2992% | 5,464 |
| Cash dividends to net income (ytd only)* | 100.6964% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 4,544 |
| Loan loss allowance to noncurrent loans | 51.1307% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4121% | 4,335 |
| Noncurrent loans to loans | 2.7103% | 2,928 |
| Net loans and leases to total assets | 51.3818% | 6,175 |
| Net loans and leases to deposits | 62.8646% | 6,037 |
| Net loans and leases to core deposits | 66.5004% | 6,086 |
| Total domestic deposits to total assets | 81.7341% | 5,102 |
| Equity capital to assets | 13.3919% | 1,396 |
| Core capital (leverage) ratio | 13.1253% | 1,180 |
| Tier 1 risk-based capital ratio | 25.9283% | 777 |
| Total risk-based capital ratio | 27.1797% | 764 |
| Memoranda: | ||
| Average total assets | $187,048,500 | 3,316 |
| Average earning assets | $177,550,500 | 3,191 |
| Average equity | $24,476,500 | 2,655 |
| Average total loans | $91,267,250 | 4,089 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 4,873 |
| Cost of funding earning assets | 0.7817% | 6,970 |
| Net interest margin | 4.2344% | 2,039 |
| Noninterest income to average assets | 0.6975% | 2,723 |
| Noninterest expense to average assets | 2.5898% | 5,358 |
| Loan and lease loss provision to assets | 0.1278% | 5,605 |
| Net operating income to assets | 1.5292% | 852 |
| Return on assets (ROA) | 1.5292% | 912 |
| Pretax return on assets | 2.0062% | 599 |
| Return on Equity (ROE) | 11.7763% | 1,513 |
| Retained earnings to average equity (ytd only) | 4.6580% | 3,106 |
| Net charge-offs to loans | 0.1027% | 5,122 |
| Credit loss provision to net charge-offs | 260.8696% | 1,456 |
| Earnings coverage of net charge-offs (x) | 43.5652% | 675 |
| Efficiency ratio | 54.8242% | 6,784 |
| Assets per employee ($millions) | 3.2296% | 5,603 |
| Cash dividends to net income (ytd only)* | 60.4457% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,509 |
| Loan loss allowance to noncurrent loans | 59.4210% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 4,758 |
| Noncurrent loans to loans | 2.3276% | 3,339 |
| Net loans and leases to total assets | 50.0823% | 6,424 |
| Net loans and leases to deposits | 61.9815% | 6,237 |
| Net loans and leases to core deposits | 68.7089% | 5,998 |
| Total domestic deposits to total assets | 80.8020% | 5,470 |
| Equity capital to assets | 13.5360% | 1,330 |
| Core capital (leverage) ratio | 13.1530% | 1,156 |
| Tier 1 risk-based capital ratio | 26.8565% | 708 |
| Total risk-based capital ratio | 28.1081% | 695 |
| Memoranda: | ||
| Average total assets | $187,813,330 | 3,338 |
| Average earning assets | $178,585,330 | 3,207 |
| Average equity | $24,388,000 | 2,653 |
| Average total loans | $89,601,670 | 4,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 5,379 |
| Cost of funding earning assets | 0.7792% | 7,149 |
| Net interest margin | 4.1374% | 2,282 |
| Noninterest income to average assets | 0.7022% | 2,584 |
| Noninterest expense to average assets | 2.5538% | 5,536 |
| Loan and lease loss provision to assets | 0.1265% | 5,311 |
| Net operating income to assets | 1.4699% | 945 |
| Return on assets (ROA) | 1.4699% | 1,013 |
| Pretax return on assets | 1.9633% | 650 |
| Return on Equity (ROE) | 11.5574% | 1,625 |
| Retained earnings to average equity (ytd only) | 4.3610% | 3,537 |
| Net charge-offs to loans | 0.1323% | 4,164 |
| Credit loss provision to net charge-offs | 206.8966% | 1,800 |
| Earnings coverage of net charge-offs (x) | 34.1724% | 794 |
| Efficiency ratio | 54.9955% | 6,892 |
| Assets per employee ($millions) | 3.3657% | 5,385 |
| Cash dividends to net income (ytd only)* | 62.2669% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 4,449 |
| Loan loss allowance to noncurrent loans | 64.1026% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 5,083 |
| Noncurrent loans to loans | 2.1753% | 3,565 |
| Net loans and leases to total assets | 46.8981% | 6,760 |
| Net loans and leases to deposits | 57.1593% | 6,686 |
| Net loans and leases to core deposits | 62.4013% | 6,568 |
| Total domestic deposits to total assets | 82.0481% | 5,057 |
| Equity capital to assets | 12.8512% | 1,579 |
| Core capital (leverage) ratio | 12.7279% | 1,314 |
| Tier 1 risk-based capital ratio | 27.0630% | 702 |
| Total risk-based capital ratio | 28.2715% | 691 |
| Memoranda: | ||
| Average total assets | $189,676,500 | 3,369 |
| Average earning assets | $180,694,000 | 3,241 |
| Average equity | $24,123,000 | 2,708 |
| Average total loans | $87,658,500 | 4,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2482% | 5,422 |
| Cost of funding earning assets | 1.0510% | 7,097 |
| Net interest margin | 4.1973% | 2,069 |
| Noninterest income to average assets | 0.8291% | 2,275 |
| Noninterest expense to average assets | 2.9025% | 4,521 |
| Loan and lease loss provision to assets | 0.1204% | 6,438 |
| Net operating income to assets | 1.3744% | 890 |
| Return on assets (ROA) | 1.4867% | 748 |
| Pretax return on assets | 1.9371% | 467 |
| Return on Equity (ROE) | 10.8792% | 1,460 |
| Retained earnings to average equity (ytd only) | 1.8658% | 3,791 |
| Net charge-offs to loans | 0.1290% | 5,906 |
| Credit loss provision to net charge-offs | 198.1308% | 1,985 |
| Earnings coverage of net charge-offs (x) | 31.4579% | 730 |
| Efficiency ratio | 60.2926% | 6,440 |
| Assets per employee ($millions) | 3.3486% | 5,382 |
| Cash dividends to net income (ytd only)* | 82.8495% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 4,110 |
| Loan loss allowance to noncurrent loans | 57.6087% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1086% | 4,871 |
| Noncurrent loans to loans | 2.4699% | 3,081 |
| Net loans and leases to total assets | 44.2464% | 7,107 |
| Net loans and leases to deposits | 53.7948% | 7,063 |
| Net loans and leases to core deposits | 63.8734% | 7,095 |
| Total domestic deposits to total assets | 82.2504% | 4,838 |
| Equity capital to assets | 12.5864% | 1,709 |
| Core capital (leverage) ratio | 13.2924% | 1,156 |
| Tier 1 risk-based capital ratio | 27.7452% | 660 |
| Total risk-based capital ratio | 28.9975% | 643 |
| Memoranda: | ||
| Average total assets | $176,089,400 | 3,501 |
| Average earning assets | $167,180,000 | 3,395 |
| Average equity | $24,064,200 | 2,720 |
| Average total loans | $82,947,800 | 4,419 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3563% | 5,145 |
| Cost of funding earning assets | 1.0925% | 7,192 |
| Net interest margin | 4.2639% | 1,827 |
| Noninterest income to average assets | 0.8724% | 2,094 |
| Noninterest expense to average assets | 2.8771% | 4,545 |
| Loan and lease loss provision to assets | 0.0696% | 6,663 |
| Net operating income to assets | 1.5214% | 777 |
| Return on assets (ROA) | 1.6744% | 628 |
| Pretax return on assets | 2.1694% | 379 |
| Return on Equity (ROE) | 11.9904% | 1,353 |
| Retained earnings to average equity (ytd only) | 4.7795% | 2,617 |
| Net charge-offs to loans | 0.0778% | 5,902 |
| Credit loss provision to net charge-offs | 187.5000% | 2,426 |
| Earnings coverage of net charge-offs (x) | 54.9570% | 592 |
| Efficiency ratio | 58.5090% | 6,649 |
| Assets per employee ($millions) | 2.9965% | 6,166 |
| Cash dividends to net income (ytd only)* | 60.1388% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 4,107 |
| Loan loss allowance to noncurrent loans | 59.7107% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 4,849 |
| Noncurrent loans to loans | 2.2967% | 3,269 |
| Net loans and leases to total assets | 47.8368% | 6,970 |
| Net loans and leases to deposits | 61.5700% | 6,714 |
| Net loans and leases to core deposits | 73.6510% | 6,748 |
| Total domestic deposits to total assets | 77.6950% | 6,171 |
| Equity capital to assets | 14.3025% | 1,204 |
| Core capital (leverage) ratio | 13.9641% | 1,101 |
| Tier 1 risk-based capital ratio | 28.6329% | 641 |
| Total risk-based capital ratio | 29.8840% | 625 |
| Memoranda: | ||
| Average total assets | $172,393,750 | 3,582 |
| Average earning assets | $163,540,500 | 3,483 |
| Average equity | $24,074,250 | 2,743 |
| Average total loans | $82,266,500 | 4,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 5,338 |
| Cost of funding earning assets | 1.1412% | 7,269 |
| Net interest margin | 4.2214% | 1,915 |
| Noninterest income to average assets | 0.9097% | 1,943 |
| Noninterest expense to average assets | 2.8512% | 4,730 |
| Loan and lease loss provision to assets | 0.0698% | 6,504 |
| Net operating income to assets | 1.5386% | 770 |
| Return on assets (ROA) | 1.7903% | 511 |
| Pretax return on assets | 2.3173% | 289 |
| Return on Equity (ROE) | 12.9255% | 1,195 |
| Retained earnings to average equity (ytd only) | 5.6355% | 2,189 |
| Net charge-offs to loans | 0.0784% | 5,417 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 55.3438% | 638 |
| Efficiency ratio | 58.0531% | 6,857 |
| Assets per employee ($millions) | 3.1379% | 5,747 |
| Cash dividends to net income (ytd only)* | 56.4003% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 3,874 |
| Loan loss allowance to noncurrent loans | 180.4107% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 6,567 |
| Noncurrent loans to loans | 0.7605% | 5,719 |
| Net loans and leases to total assets | 45.8983% | 7,199 |
| Net loans and leases to deposits | 59.6499% | 6,916 |
| Net loans and leases to core deposits | 71.2878% | 6,945 |
| Total domestic deposits to total assets | 76.9460% | 6,341 |
| Equity capital to assets | 13.1950% | 1,611 |
| Core capital (leverage) ratio | 13.9209% | 1,157 |
| Tier 1 risk-based capital ratio | 28.1388% | 707 |
| Total risk-based capital ratio | 29.3893% | 690 |
| Memoranda: | ||
| Average total assets | $171,926,670 | 3,605 |
| Average earning assets | $162,980,670 | 3,508 |
| Average equity | $23,813,330 | 2,777 |
| Average total loans | $81,590,670 | 4,538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 5,510 |
| Cost of funding earning assets | 1.1786% | 7,343 |
| Net interest margin | 4.2049% | 1,879 |
| Noninterest income to average assets | 0.9545% | 1,622 |
| Noninterest expense to average assets | 2.8707% | 4,260 |
| Loan and lease loss provision to assets | 0.0712% | 6,070 |
| Net operating income to assets | 1.5207% | 902 |
| Return on assets (ROA) | 2.0278% | 382 |
| Pretax return on assets | 2.6784% | 188 |
| Return on Equity (ROE) | 14.2812% | 1,109 |
| Retained earnings to average equity (ytd only) | 7.0236% | 2,199 |
| Net charge-offs to loans | 0.0990% | 4,187 |
| Credit loss provision to net charge-offs | 150.0000% | 2,773 |
| Earnings coverage of net charge-offs (x) | 43.8500% | 794 |
| Efficiency ratio | 57.9578% | 6,707 |
| Assets per employee ($millions) | 3.1724% | 5,668 |
| Cash dividends to net income (ytd only)* | 50.8197% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 3,653 |
| Loan loss allowance to noncurrent loans | 120.0855% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 5,878 |
| Noncurrent loans to loans | 1.1431% | 4,707 |
| Net loans and leases to total assets | 46.2842% | 7,169 |
| Net loans and leases to deposits | 57.0176% | 7,101 |
| Net loans and leases to core deposits | 67.2496% | 7,178 |
| Total domestic deposits to total assets | 81.1752% | 4,899 |
| Equity capital to assets | 13.5096% | 1,530 |
| Core capital (leverage) ratio | 14.4967% | 1,087 |
| Tier 1 risk-based capital ratio | 29.5013% | 654 |
| Total risk-based capital ratio | 30.7529% | 635 |
| Memoranda: | ||
| Average total assets | $168,458,500 | 3,678 |
| Average earning assets | $160,195,500 | 3,566 |
| Average equity | $23,919,500 | 2,777 |
| Average total loans | $80,767,500 | 4,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0093% | 5,504 |
| Cost of funding earning assets | 1.6199% | 7,405 |
| Net interest margin | 4.3894% | 1,718 |
| Noninterest income to average assets | 0.8445% | 2,265 |
| Noninterest expense to average assets | 3.0626% | 3,853 |
| Loan and lease loss provision to assets | 0.0587% | 6,676 |
| Net operating income to assets | 1.4290% | 1,170 |
| Return on assets (ROA) | 1.4290% | 1,125 |
| Pretax return on assets | 1.8542% | 845 |
| Return on Equity (ROE) | 9.3447% | 2,498 |
| Retained earnings to average equity (ytd only) | 2.0250% | 3,972 |
| Net charge-offs to loans | 0.1207% | 5,040 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 32.5824% | 1,107 |
| Efficiency ratio | 61.5534% | 6,041 |
| Assets per employee ($millions) | 2.9006% | 6,304 |
| Cash dividends to net income (ytd only)* | 78.3296% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 3,208 |
| Loan loss allowance to noncurrent loans | 258.4687% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 6,516 |
| Noncurrent loans to loans | 0.5411% | 5,739 |
| Net loans and leases to total assets | 48.3513% | 7,164 |
| Net loans and leases to deposits | 60.1030% | 7,077 |
| Net loans and leases to core deposits | 69.4728% | 7,222 |
| Total domestic deposits to total assets | 80.4474% | 4,851 |
| Equity capital to assets | 14.9396% | 1,175 |
| Core capital (leverage) ratio | 15.0084% | 1,031 |
| Tier 1 risk-based capital ratio | 28.8403% | 706 |
| Total risk-based capital ratio | 30.0916% | 695 |
| Memoranda: | ||
| Average total assets | $155,001,400 | 3,804 |
| Average earning assets | $145,874,600 | 3,725 |
| Average equity | $23,703,200 | 2,764 |
| Average total loans | $75,421,800 | 4,671 |