Home > Southern Independent Bank > Performance and Condition Ratios
Southern Independent Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 2,225 |
| Cost of funding earning assets | 1.5860% | 1,723 |
| Net interest margin | 3.3394% | 2,536 |
| Noninterest income to average assets | 1.6200% | 355 |
| Noninterest expense to average assets | 2.4027% | 2,585 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.6920% | 745 |
| Return on assets (ROA) | 1.5504% | 906 |
| Pretax return on assets | 2.0381% | 631 |
| Return on Equity (ROE) | 17.5600% | 882 |
| Retained earnings to average equity (ytd only) | 17.5596% | 204 |
| Net charge-offs to loans | 0.0035% | 2,639 |
| Credit loss provision to net charge-offs | 3,700.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 1,539.2000% | 104 |
| Efficiency ratio | 51.3988% | 3,879 |
| Assets per employee ($millions) | 8.0517% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,266 |
| Loan loss allowance to noncurrent loans | 935.0785% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,230 |
| Noncurrent loans to loans | 0.1290% | 2,869 |
| Net loans and leases to total assets | 41.3000% | 3,988 |
| Net loans and leases to deposits | 47.8717% | 4,002 |
| Net loans and leases to core deposits | 57.5489% | 3,855 |
| Total domestic deposits to total assets | 86.2700% | 1,921 |
| Equity capital to assets | 9.8780% | 2,076 |
| Core capital (leverage) ratio | 14.0648% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6017% | 566 |
| Memoranda: | ||
| Average total assets | $338,750,200 | 2,238 |
| Average earning assets | $310,143,800 | 2,247 |
| Average equity | $29,909,600 | 2,263 |
| Average total loans | $144,551,800 | 2,720 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 2,220 |
| Cost of funding earning assets | 1.4142% | 1,826 |
| Net interest margin | 3.4068% | 2,439 |
| Noninterest income to average assets | 1.8800% | 303 |
| Noninterest expense to average assets | 2.1122% | 3,322 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.1833% | 383 |
| Return on assets (ROA) | 1.9924% | 494 |
| Pretax return on assets | 2.5996% | 345 |
| Return on Equity (ROE) | 23.3000% | 472 |
| Retained earnings to average equity (ytd only) | 23.2969% | 161 |
| Net charge-offs to loans | -0.0009% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.1869% | 4,304 |
| Assets per employee ($millions) | 8.0035% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 2,453 |
| Loan loss allowance to noncurrent loans | 857.6355% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 3,214 |
| Noncurrent loans to loans | 0.1379% | 2,866 |
| Net loans and leases to total assets | 43.2700% | 3,942 |
| Net loans and leases to deposits | 49.6927% | 3,948 |
| Net loans and leases to core deposits | 59.0796% | 3,737 |
| Total domestic deposits to total assets | 87.0700% | 1,872 |
| Equity capital to assets | 9.1847% | 2,298 |
| Core capital (leverage) ratio | 14.2546% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $334,869,500 | 2,249 |
| Average earning assets | $306,869,750 | 2,264 |
| Average equity | $28,638,250 | 2,317 |
| Average total loans | $143,664,000 | 2,730 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 2,233 |
| Cost of funding earning assets | 1.1958% | 2,007 |
| Net interest margin | 3.4921% | 2,284 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.9136% | 3,785 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2497% | 1,694 |
| Return on assets (ROA) | 1.1051% | 2,102 |
| Pretax return on assets | 1.4490% | 1,700 |
| Return on Equity (ROE) | 13.2500% | 1,851 |
| Retained earnings to average equity (ytd only) | 13.2506% | 770 |
| Net charge-offs to loans | 0.0098% | 1,833 |
| Credit loss provision to net charge-offs | 1,114.2857% | 380 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 361 |
| Efficiency ratio | 53.2712% | 3,669 |
| Assets per employee ($millions) | 8.2398% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,714 |
| Loan loss allowance to noncurrent loans | 798.5714% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,142 |
| Noncurrent loans to loans | 0.1439% | 2,750 |
| Net loans and leases to total assets | 42.7100% | 3,936 |
| Net loans and leases to deposits | 49.4577% | 3,942 |
| Net loans and leases to core deposits | 57.9818% | 3,720 |
| Total domestic deposits to total assets | 86.3500% | 2,131 |
| Equity capital to assets | 8.9480% | 2,548 |
| Core capital (leverage) ratio | 13.4388% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $334,444,333 | 2,258 |
| Average earning assets | $306,404,333 | 2,277 |
| Average equity | $27,893,000 | 2,363 |
| Average total loans | $142,489,333 | 2,747 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5666% | 2,156 |
| Cost of funding earning assets | 0.9128% | 2,327 |
| Net interest margin | 3.6538% | 2,009 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.7839% | 4,059 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.4326% | 1,321 |
| Return on assets (ROA) | 1.1600% | 2,007 |
| Pretax return on assets | 1.5375% | 1,590 |
| Return on Equity (ROE) | 14.4400% | 1,684 |
| Retained earnings to average equity (ytd only) | 14.4434% | 880 |
| Net charge-offs to loans | 0.0085% | 1,626 |
| Credit loss provision to net charge-offs | 1,466.6667% | 285 |
| Earnings coverage of net charge-offs (x) | 536.6667% | 215 |
| Efficiency ratio | 47.9638% | 4,083 |
| Assets per employee ($millions) | 7.8031% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,856 |
| Loan loss allowance to noncurrent loans | 752.0548% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,140 |
| Noncurrent loans to loans | 0.1516% | 2,737 |
| Net loans and leases to total assets | 42.5600% | 3,927 |
| Net loans and leases to deposits | 48.5923% | 3,944 |
| Net loans and leases to core deposits | 54.4741% | 3,815 |
| Total domestic deposits to total assets | 87.5800% | 2,067 |
| Equity capital to assets | 8.8647% | 2,620 |
| Core capital (leverage) ratio | 13.1875% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $332,751,500 | 2,300 |
| Average earning assets | $305,434,500 | 2,319 |
| Average equity | $26,725,000 | 2,447 |
| Average total loans | $140,754,000 | 2,790 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 2,403 |
| Cost of funding earning assets | 0.5045% | 1,353 |
| Net interest margin | 3.2475% | 2,712 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0217% | 3,528 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0928% | 2,206 |
| Return on assets (ROA) | 1.0667% | 2,257 |
| Pretax return on assets | 1.3489% | 1,937 |
| Return on Equity (ROE) | 13.2300% | 1,729 |
| Retained earnings to average equity (ytd only) | 13.2337% | 477 |
| Net charge-offs to loans | 0.0235% | 1,590 |
| Credit loss provision to net charge-offs | 309.6774% | 900 |
| Earnings coverage of net charge-offs (x) | 149.0645% | 790 |
| Efficiency ratio | 58.8916% | 3,206 |
| Assets per employee ($millions) | 7.8565% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 1,313 |
| Loan loss allowance to noncurrent loans | 851.0638% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,079 |
| Noncurrent loans to loans | 0.1714% | 2,625 |
| Net loans and leases to total assets | 40.9300% | 4,030 |
| Net loans and leases to deposits | 45.1090% | 4,080 |
| Net loans and leases to core deposits | 50.1727% | 3,971 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 7.1843% | 3,562 |
| Core capital (leverage) ratio | 11.7241% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0955% | 964 |
| Memoranda: | ||
| Average total assets | $327,445,600 | 2,309 |
| Average earning assets | $299,889,400 | 2,334 |
| Average equity | $26,394,800 | 2,507 |
| Average total loans | $131,907,200 | 2,807 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 2,565 |
| Cost of funding earning assets | 0.4536% | 964 |
| Net interest margin | 3.0630% | 3,045 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8485% | 3,878 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0974% | 2,114 |
| Return on assets (ROA) | 1.0974% | 2,076 |
| Pretax return on assets | 1.4279% | 1,638 |
| Return on Equity (ROE) | 13.2500% | 1,626 |
| Retained earnings to average equity (ytd only) | 13.2507% | 578 |
| Net charge-offs to loans | 0.0112% | 1,697 |
| Credit loss provision to net charge-offs | 463.6364% | 636 |
| Earnings coverage of net charge-offs (x) | 322.8182% | 449 |
| Efficiency ratio | 56.0629% | 3,620 |
| Assets per employee ($millions) | 7.8205% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4961% | 1,300 |
| Loan loss allowance to noncurrent loans | 690.5594% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 3,060 |
| Noncurrent loans to loans | 0.2167% | 2,532 |
| Net loans and leases to total assets | 39.5900% | 4,091 |
| Net loans and leases to deposits | 43.3107% | 4,133 |
| Net loans and leases to core deposits | 47.7103% | 4,039 |
| Total domestic deposits to total assets | 91.4100% | 1,076 |
| Equity capital to assets | 6.4312% | 3,775 |
| Core capital (leverage) ratio | 11.2308% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $326,814,250 | 2,334 |
| Average earning assets | $298,959,750 | 2,363 |
| Average equity | $27,067,000 | 2,512 |
| Average total loans | $130,615,750 | 2,822 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 2,781 |
| Cost of funding earning assets | 0.4727% | 613 |
| Net interest margin | 2.8134% | 3,410 |
| Noninterest income to average assets | 0.5094% | 2,147 |
| Noninterest expense to average assets | 1.8543% | 3,825 |
| Loan and lease loss provision to assets | 0.0080% | 2,451 |
| Net operating income to assets | 0.9514% | 2,358 |
| Return on assets (ROA) | 0.9514% | 2,327 |
| Pretax return on assets | 1.2156% | 2,025 |
| Return on Equity (ROE) | 10.6858% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.6858% | 850 |
| Net charge-offs to loans | -0.0031% | 3,209 |
| Credit loss provision to net charge-offs | -650.0000% | 3,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2470% | 3,267 |
| Assets per employee ($millions) | 7.9233% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,353 |
| Loan loss allowance to noncurrent loans | 647.8405% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.0905% | 3,090 |
| Noncurrent loans to loans | 0.2346% | 2,545 |
| Net loans and leases to total assets | 37.9665% | 4,168 |
| Net loans and leases to deposits | 42.0189% | 4,190 |
| Net loans and leases to core deposits | 46.4495% | 4,105 |
| Total domestic deposits to total assets | 90.3558% | 1,544 |
| Equity capital to assets | 7.5233% | 3,459 |
| Core capital (leverage) ratio | 10.9914% | 1,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,265,333 | 2,350 |
| Average earning assets | $297,861,000 | 2,392 |
| Average equity | $29,048,000 | 2,460 |
| Average total loans | $130,151,333 | 2,838 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1871% | 2,728 |
| Cost of funding earning assets | 0.4802% | 549 |
| Net interest margin | 2.7070% | 3,385 |
| Noninterest income to average assets | 0.3690% | 2,880 |
| Noninterest expense to average assets | 1.7188% | 4,109 |
| Loan and lease loss provision to assets | 0.0050% | 2,220 |
| Net operating income to assets | 0.8867% | 2,332 |
| Return on assets (ROA) | 0.8867% | 2,325 |
| Pretax return on assets | 1.1306% | 2,048 |
| Return on Equity (ROE) | 9.2226% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.2226% | 1,210 |
| Net charge-offs to loans | -0.0031% | 3,190 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2169% | 3,463 |
| Assets per employee ($millions) | 7.7021% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,583 |
| Loan loss allowance to noncurrent loans | 769.8413% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,289 |
| Noncurrent loans to loans | 0.1934% | 2,851 |
| Net loans and leases to total assets | 39.6710% | 4,036 |
| Net loans and leases to deposits | 45.9038% | 3,979 |
| Net loans and leases to core deposits | 51.0935% | 3,795 |
| Total domestic deposits to total assets | 86.4221% | 3,129 |
| Equity capital to assets | 8.9688% | 2,736 |
| Core capital (leverage) ratio | 11.0225% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,008,000 | 2,379 |
| Average earning assets | $296,569,000 | 2,410 |
| Average equity | $31,054,000 | 2,432 |
| Average total loans | $131,079,500 | 2,834 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 2,268 |
| Cost of funding earning assets | 0.5836% | 590 |
| Net interest margin | 3.0596% | 3,022 |
| Noninterest income to average assets | 0.9857% | 1,029 |
| Noninterest expense to average assets | 1.9225% | 3,873 |
| Loan and lease loss provision to assets | 0.0692% | 1,695 |
| Net operating income to assets | 1.3980% | 1,284 |
| Return on assets (ROA) | 1.4441% | 1,225 |
| Pretax return on assets | 1.8715% | 784 |
| Return on Equity (ROE) | 13.6133% | 1,282 |
| Retained earnings to average equity (ytd only) | 10.8433% | 734 |
| Net charge-offs to loans | 0.0052% | 2,400 |
| Credit loss provision to net charge-offs | 3,028.5714% | 224 |
| Earnings coverage of net charge-offs (x) | 823.5714% | 180 |
| Efficiency ratio | 50.5278% | 4,241 |
| Assets per employee ($millions) | 8.2699% | 1,186 |
| Cash dividends to net income (ytd only)* | 20.3482% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,675 |
| Loan loss allowance to noncurrent loans | 738.5496% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 3,372 |
| Noncurrent loans to loans | 0.1987% | 2,953 |
| Net loans and leases to total assets | 40.2920% | 4,077 |
| Net loans and leases to deposits | 47.3847% | 4,030 |
| Net loans and leases to core deposits | 52.8675% | 3,833 |
| Total domestic deposits to total assets | 85.0317% | 3,257 |
| Equity capital to assets | 10.2611% | 2,415 |
| Core capital (leverage) ratio | 10.8732% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5628% | 955 |
| Memoranda: | ||
| Average total assets | $306,273,400 | 2,407 |
| Average earning assets | $282,192,800 | 2,422 |
| Average equity | $32,490,200 | 2,408 |
| Average total loans | $134,531,000 | 2,788 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 2,204 |
| Cost of funding earning assets | 0.6116% | 600 |
| Net interest margin | 3.1140% | 3,017 |
| Noninterest income to average assets | 1.1960% | 793 |
| Noninterest expense to average assets | 1.7162% | 4,303 |
| Loan and lease loss provision to assets | 0.0910% | 1,317 |
| Net operating income to assets | 1.6921% | 843 |
| Return on assets (ROA) | 1.7493% | 779 |
| Pretax return on assets | 2.3255% | 445 |
| Return on Equity (ROE) | 16.3472% | 880 |
| Retained earnings to average equity (ytd only) | 12.6366% | 697 |
| Net charge-offs to loans | 0.0089% | 1,990 |
| Credit loss provision to net charge-offs | 2,288.8889% | 302 |
| Earnings coverage of net charge-offs (x) | 590.3333% | 259 |
| Efficiency ratio | 42.2688% | 4,652 |
| Assets per employee ($millions) | 7.6134% | 1,502 |
| Cash dividends to net income (ytd only)* | 22.6986% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,695 |
| Loan loss allowance to noncurrent loans | 705.8608% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,497 |
| Noncurrent loans to loans | 0.2105% | 3,110 |
| Net loans and leases to total assets | 41.9623% | 4,097 |
| Net loans and leases to deposits | 49.9000% | 4,012 |
| Net loans and leases to core deposits | 56.6086% | 3,725 |
| Total domestic deposits to total assets | 84.0928% | 3,438 |
| Equity capital to assets | 11.0079% | 2,010 |
| Core capital (leverage) ratio | 10.9996% | 1,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,209,750 | 2,452 |
| Average earning assets | $277,960,250 | 2,461 |
| Average equity | $32,339,000 | 2,440 |
| Average total loans | $135,191,750 | 2,822 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5512% | 2,771 |
| Cost of funding earning assets | 0.6398% | 608 |
| Net interest margin | 2.9113% | 3,553 |
| Noninterest income to average assets | 1.5917% | 490 |
| Noninterest expense to average assets | 1.6886% | 4,374 |
| Loan and lease loss provision to assets | 0.1307% | 947 |
| Net operating income to assets | 1.7258% | 831 |
| Return on assets (ROA) | 1.7961% | 759 |
| Pretax return on assets | 2.5392% | 337 |
| Return on Equity (ROE) | 16.9482% | 790 |
| Retained earnings to average equity (ytd only) | 11.3134% | 1,057 |
| Net charge-offs to loans | 0.0394% | 1,238 |
| Credit loss provision to net charge-offs | 729.6296% | 567 |
| Earnings coverage of net charge-offs (x) | 144.0741% | 606 |
| Efficiency ratio | 39.5493% | 4,760 |
| Assets per employee ($millions) | 7.5937% | 1,424 |
| Cash dividends to net income (ytd only)* | 33.2471% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 1,785 |
| Loan loss allowance to noncurrent loans | 678.5714% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 3,589 |
| Noncurrent loans to loans | 0.2132% | 3,195 |
| Net loans and leases to total assets | 42.6139% | 4,136 |
| Net loans and leases to deposits | 51.0916% | 4,042 |
| Net loans and leases to core deposits | 58.2589% | 3,744 |
| Total domestic deposits to total assets | 83.4070% | 3,605 |
| Equity capital to assets | 10.8399% | 2,114 |
| Core capital (leverage) ratio | 10.6626% | 1,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,434,667 | 2,450 |
| Average earning assets | $277,261,000 | 2,465 |
| Average equity | $31,944,333 | 2,451 |
| Average total loans | $137,016,667 | 2,816 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4695% | 3,014 |
| Cost of funding earning assets | 0.6594% | 653 |
| Net interest margin | 2.8101% | 3,735 |
| Noninterest income to average assets | 0.3543% | 3,315 |
| Noninterest expense to average assets | 1.5825% | 4,562 |
| Loan and lease loss provision to assets | 0.0586% | 1,953 |
| Net operating income to assets | 0.8322% | 3,325 |
| Return on assets (ROA) | 0.9112% | 3,178 |
| Pretax return on assets | 1.3960% | 2,289 |
| Return on Equity (ROE) | 8.6986% | 3,131 |
| Retained earnings to average equity (ytd only) | -2.7469% | 4,590 |
| Net charge-offs to loans | -0.0057% | 3,444 |
| Credit loss provision to net charge-offs | -2,200.0000% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8776% | 3,801 |
| Assets per employee ($millions) | 7.7281% | 1,330 |
| Cash dividends to net income (ytd only)* | 131.5789% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,518 |
| Loan loss allowance to noncurrent loans | 520.5279% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 3,465 |
| Noncurrent loans to loans | 0.2462% | 3,214 |
| Net loans and leases to total assets | 45.3722% | 4,013 |
| Net loans and leases to deposits | 54.8805% | 3,879 |
| Net loans and leases to core deposits | 62.7738% | 3,518 |
| Total domestic deposits to total assets | 82.6745% | 3,766 |
| Equity capital to assets | 10.2059% | 2,517 |
| Core capital (leverage) ratio | 10.1916% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,278,000 | 2,439 |
| Average earning assets | $276,009,000 | 2,456 |
| Average equity | $31,453,500 | 2,468 |
| Average total loans | $139,855,500 | 2,783 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 2,957 |
| Cost of funding earning assets | 0.9401% | 737 |
| Net interest margin | 2.9843% | 3,923 |
| Noninterest income to average assets | 0.4298% | 2,962 |
| Noninterest expense to average assets | 1.8760% | 4,359 |
| Loan and lease loss provision to assets | 0.1003% | 3,079 |
| Net operating income to assets | 0.9774% | 2,366 |
| Return on assets (ROA) | 1.0230% | 2,349 |
| Pretax return on assets | 1.2745% | 2,066 |
| Return on Equity (ROE) | 9.4424% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.4424% | 693 |
| Net charge-offs to loans | 0.1838% | 920 |
| Credit loss provision to net charge-offs | 107.7519% | 2,744 |
| Earnings coverage of net charge-offs (x) | 14.1550% | 2,230 |
| Efficiency ratio | 58.7391% | 3,624 |
| Assets per employee ($millions) | 7.6708% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,816 |
| Loan loss allowance to noncurrent loans | 414.8681% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 3,331 |
| Noncurrent loans to loans | 0.2954% | 3,140 |
| Net loans and leases to total assets | 46.6159% | 4,082 |
| Net loans and leases to deposits | 56.8053% | 3,953 |
| Net loans and leases to core deposits | 65.9630% | 3,543 |
| Total domestic deposits to total assets | 82.0626% | 3,647 |
| Equity capital to assets | 10.7457% | 2,479 |
| Core capital (leverage) ratio | 10.4315% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8547% | 921 |
| Memoranda: | ||
| Average total assets | $277,129,800 | 2,416 |
| Average earning assets | $256,678,000 | 2,427 |
| Average equity | $30,024,000 | 2,474 |
| Average total loans | $140,366,600 | 2,749 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 3,227 |
| Cost of funding earning assets | 1.0041% | 754 |
| Net interest margin | 2.9044% | 4,176 |
| Noninterest income to average assets | 0.3662% | 3,264 |
| Noninterest expense to average assets | 1.7760% | 4,533 |
| Loan and lease loss provision to assets | 0.1119% | 2,924 |
| Net operating income to assets | 0.8942% | 2,731 |
| Return on assets (ROA) | 0.9380% | 2,701 |
| Pretax return on assets | 1.2316% | 2,282 |
| Return on Equity (ROE) | 8.6390% | 2,550 |
| Retained earnings to average equity (ytd only) | 8.6390% | 1,097 |
| Net charge-offs to loans | 0.0124% | 2,664 |
| Credit loss provision to net charge-offs | 1,753.8462% | 537 |
| Earnings coverage of net charge-offs (x) | 201.8462% | 489 |
| Efficiency ratio | 57.9622% | 3,670 |
| Assets per employee ($millions) | 7.4304% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2897% | 2,196 |
| Loan loss allowance to noncurrent loans | 101.1029% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6871% | 1,692 |
| Noncurrent loans to loans | 1.2756% | 1,168 |
| Net loans and leases to total assets | 50.8425% | 4,046 |
| Net loans and leases to deposits | 62.5503% | 3,896 |
| Net loans and leases to core deposits | 75.8980% | 3,173 |
| Total domestic deposits to total assets | 81.2827% | 3,591 |
| Equity capital to assets | 10.8084% | 2,543 |
| Core capital (leverage) ratio | 10.2766% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,621,750 | 2,426 |
| Average earning assets | $252,299,000 | 2,434 |
| Average equity | $29,493,250 | 2,497 |
| Average total loans | $140,161,500 | 2,758 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,424 |
| Cost of funding earning assets | 1.0638% | 807 |
| Net interest margin | 2.8988% | 4,307 |
| Noninterest income to average assets | 0.3607% | 3,323 |
| Noninterest expense to average assets | 1.8903% | 4,435 |
| Loan and lease loss provision to assets | 0.1243% | 2,785 |
| Net operating income to assets | 0.7741% | 3,143 |
| Return on assets (ROA) | 0.8134% | 3,114 |
| Pretax return on assets | 1.0905% | 2,736 |
| Return on Equity (ROE) | 7.4782% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.4782% | 1,473 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8684% | 3,148 |
| Assets per employee ($millions) | 7.5728% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,161 |
| Loan loss allowance to noncurrent loans | 487.0130% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1640% | 3,704 |
| Noncurrent loans to loans | 0.2604% | 3,450 |
| Net loans and leases to total assets | 50.7225% | 4,121 |
| Net loans and leases to deposits | 62.6783% | 3,968 |
| Net loans and leases to core deposits | 75.5169% | 3,327 |
| Total domestic deposits to total assets | 80.9251% | 3,627 |
| Equity capital to assets | 10.5353% | 2,724 |
| Core capital (leverage) ratio | 10.3456% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,567,333 | 2,438 |
| Average earning assets | $246,859,667 | 2,441 |
| Average equity | $28,884,000 | 2,527 |
| Average total loans | $137,129,000 | 2,782 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,249 |
| Cost of funding earning assets | 1.1549% | 892 |
| Net interest margin | 3.0347% | 4,221 |
| Noninterest income to average assets | 0.3804% | 3,228 |
| Noninterest expense to average assets | 1.9460% | 4,500 |
| Loan and lease loss provision to assets | 0.1415% | 1,970 |
| Net operating income to assets | 0.8266% | 2,808 |
| Return on assets (ROA) | 0.8850% | 2,668 |
| Pretax return on assets | 1.1836% | 2,254 |
| Return on Equity (ROE) | 7.9950% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.9950% | 1,234 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8653% | 3,634 |
| Assets per employee ($millions) | 6.7432% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 1,878 |
| Loan loss allowance to noncurrent loans | 486.4865% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 3,778 |
| Noncurrent loans to loans | 0.2789% | 3,490 |
| Net loans and leases to total assets | 51.0744% | 4,176 |
| Net loans and leases to deposits | 62.8179% | 4,056 |
| Net loans and leases to core deposits | 77.7978% | 3,363 |
| Total domestic deposits to total assets | 81.3054% | 3,597 |
| Equity capital to assets | 11.0670% | 2,806 |
| Core capital (leverage) ratio | 11.2121% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6500% | 907 |
| Memoranda: | ||
| Average total assets | $254,468,000 | 2,468 |
| Average earning assets | $236,202,000 | 2,465 |
| Average equity | $28,167,500 | 2,566 |
| Average total loans | $131,775,000 | 2,814 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 3,144 |
| Cost of funding earning assets | 1.2987% | 771 |
| Net interest margin | 3.1395% | 4,308 |
| Noninterest income to average assets | 0.5256% | 2,599 |
| Noninterest expense to average assets | 2.1620% | 4,237 |
| Loan and lease loss provision to assets | 0.0439% | 3,132 |
| Net operating income to assets | 0.9987% | 2,854 |
| Return on assets (ROA) | 1.0188% | 2,868 |
| Pretax return on assets | 1.2605% | 2,642 |
| Return on Equity (ROE) | 8.7769% | 2,853 |
| Retained earnings to average equity (ytd only) | -0.5320% | 4,770 |
| Net charge-offs to loans | 0.0511% | 2,385 |
| Credit loss provision to net charge-offs | 160.6061% | 1,605 |
| Earnings coverage of net charge-offs (x) | 46.7727% | 1,184 |
| Efficiency ratio | 62.8207% | 3,242 |
| Assets per employee ($millions) | 6.4794% | 1,301 |
| Cash dividends to net income (ytd only)* | 106.0618% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,893 |
| Loan loss allowance to noncurrent loans | 447.6440% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 3,726 |
| Noncurrent loans to loans | 0.2919% | 3,382 |
| Net loans and leases to total assets | 51.1156% | 4,276 |
| Net loans and leases to deposits | 63.0074% | 4,133 |
| Net loans and leases to core deposits | 79.2606% | 3,362 |
| Total domestic deposits to total assets | 81.1263% | 3,740 |
| Equity capital to assets | 11.0714% | 2,928 |
| Core capital (leverage) ratio | 11.2575% | 2,287 |
| Tier 1 risk-based capital ratio | 17.8375% | 1,801 |
| Total risk-based capital ratio | 18.9334% | 1,797 |
| Memoranda: | ||
| Average total assets | $241,254,800 | 2,518 |
| Average earning assets | $224,077,200 | 2,501 |
| Average equity | $28,005,400 | 2,493 |
| Average total loans | $129,146,000 | 2,830 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 3,071 |
| Cost of funding earning assets | 1.3200% | 745 |
| Net interest margin | 3.1758% | 4,354 |
| Noninterest income to average assets | 0.5638% | 2,391 |
| Noninterest expense to average assets | 2.0576% | 4,435 |
| Loan and lease loss provision to assets | 0.0548% | 2,818 |
| Net operating income to assets | 1.0831% | 2,638 |
| Return on assets (ROA) | 1.1096% | 2,622 |
| Pretax return on assets | 1.4318% | 2,186 |
| Return on Equity (ROE) | 9.4432% | 2,700 |
| Retained earnings to average equity (ytd only) | 6.5540% | 2,084 |
| Net charge-offs to loans | 0.0104% | 3,002 |
| Credit loss provision to net charge-offs | 980.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 259.8582% | 356 |
| Efficiency ratio | 58.6108% | 3,847 |
| Assets per employee ($millions) | 6.2044% | 1,459 |
| Cash dividends to net income (ytd only)* | 30.5946% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 1,778 |
| Loan loss allowance to noncurrent loans | 242.4828% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,192 |
| Noncurrent loans to loans | 0.5554% | 2,635 |
| Net loans and leases to total assets | 53.2165% | 4,238 |
| Net loans and leases to deposits | 66.7555% | 4,009 |
| Net loans and leases to core deposits | 83.9415% | 3,094 |
| Total domestic deposits to total assets | 79.7186% | 4,042 |
| Equity capital to assets | 12.3288% | 2,024 |
| Core capital (leverage) ratio | 12.2582% | 1,704 |
| Tier 1 risk-based capital ratio | 18.5620% | 1,673 |
| Total risk-based capital ratio | 19.6734% | 1,671 |
| Memoranda: | ||
| Average total assets | $238,394,500 | 2,557 |
| Average earning assets | $221,207,500 | 2,545 |
| Average equity | $28,012,500 | 2,512 |
| Average total loans | $128,713,250 | 2,871 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 3,036 |
| Cost of funding earning assets | 1.3156% | 706 |
| Net interest margin | 3.1780% | 4,406 |
| Noninterest income to average assets | 0.4115% | 3,203 |
| Noninterest expense to average assets | 2.0388% | 4,536 |
| Loan and lease loss provision to assets | 0.0278% | 3,264 |
| Net operating income to assets | 0.9832% | 2,981 |
| Return on assets (ROA) | 1.0025% | 2,980 |
| Pretax return on assets | 1.3145% | 2,503 |
| Return on Equity (ROE) | 8.6769% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.2472% | 3,127 |
| Net charge-offs to loans | -0.0016% | 3,924 |
| Credit loss provision to net charge-offs | -3,300.0000% | 4,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7385% | 3,622 |
| Assets per employee ($millions) | 6.3256% | 1,318 |
| Cash dividends to net income (ytd only)* | 51.0513% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 1,976 |
| Loan loss allowance to noncurrent loans | 269.6203% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.2991% | 3,350 |
| Noncurrent loans to loans | 0.4859% | 2,826 |
| Net loans and leases to total assets | 53.4010% | 4,254 |
| Net loans and leases to deposits | 67.3636% | 4,004 |
| Net loans and leases to core deposits | 83.2660% | 3,175 |
| Total domestic deposits to total assets | 79.2727% | 4,166 |
| Equity capital to assets | 12.0179% | 2,170 |
| Core capital (leverage) ratio | 12.1432% | 1,730 |
| Tier 1 risk-based capital ratio | 18.8511% | 1,590 |
| Total risk-based capital ratio | 19.9756% | 1,579 |
| Memoranda: | ||
| Average total assets | $237,202,670 | 2,570 |
| Average earning assets | $219,826,000 | 2,566 |
| Average equity | $27,406,000 | 2,538 |
| Average total loans | $128,109,000 | 2,893 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 3,050 |
| Cost of funding earning assets | 1.2731% | 721 |
| Net interest margin | 3.1772% | 4,434 |
| Noninterest income to average assets | 0.3820% | 3,311 |
| Noninterest expense to average assets | 1.9014% | 4,798 |
| Loan and lease loss provision to assets | 0.0323% | 2,980 |
| Net operating income to assets | 1.0843% | 2,531 |
| Return on assets (ROA) | 1.0950% | 2,538 |
| Pretax return on assets | 1.4108% | 2,046 |
| Return on Equity (ROE) | 9.6756% | 2,507 |
| Retained earnings to average equity (ytd only) | 0.5700% | 4,416 |
| Net charge-offs to loans | 0.0598% | 1,438 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 44.3158% | 1,092 |
| Efficiency ratio | 57.0846% | 4,207 |
| Assets per employee ($millions) | 6.3360% | 1,324 |
| Cash dividends to net income (ytd only)* | 94.1085% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,056 |
| Loan loss allowance to noncurrent loans | 262.9921% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 3,378 |
| Noncurrent loans to loans | 0.4972% | 2,822 |
| Net loans and leases to total assets | 53.7642% | 4,220 |
| Net loans and leases to deposits | 67.0424% | 3,982 |
| Net loans and leases to core deposits | 81.4803% | 3,230 |
| Total domestic deposits to total assets | 80.1943% | 4,143 |
| Equity capital to assets | 11.6519% | 2,267 |
| Core capital (leverage) ratio | 12.0485% | 1,741 |
| Tier 1 risk-based capital ratio | 18.7782% | 1,589 |
| Total risk-based capital ratio | 19.8973% | 1,585 |
| Memoranda: | ||
| Average total assets | $235,617,000 | 2,601 |
| Average earning assets | $218,684,500 | 2,596 |
| Average equity | $26,665,000 | 2,596 |
| Average total loans | $127,130,500 | 2,936 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 2,917 |
| Cost of funding earning assets | 1.0612% | 577 |
| Net interest margin | 3.2919% | 4,274 |
| Noninterest income to average assets | 0.3814% | 3,544 |
| Noninterest expense to average assets | 2.1126% | 4,533 |
| Loan and lease loss provision to assets | 0.0097% | 3,928 |
| Net operating income to assets | 1.0352% | 2,862 |
| Return on assets (ROA) | 1.0370% | 2,843 |
| Pretax return on assets | 1.2914% | 2,536 |
| Return on Equity (ROE) | 9.5348% | 2,733 |
| Retained earnings to average equity (ytd only) | 9.5348% | 730 |
| Net charge-offs to loans | -0.2537% | 5,293 |
| Credit loss provision to net charge-offs | -6.9841% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9268% | 3,543 |
| Assets per employee ($millions) | 6.7657% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,948 |
| Loan loss allowance to noncurrent loans | 258.9147% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 2,986 |
| Noncurrent loans to loans | 0.5097% | 2,748 |
| Net loans and leases to total assets | 52.7363% | 4,373 |
| Net loans and leases to deposits | 65.6672% | 4,143 |
| Net loans and leases to core deposits | 77.9175% | 3,588 |
| Total domestic deposits to total assets | 80.3084% | 4,037 |
| Equity capital to assets | 10.9856% | 2,702 |
| Core capital (leverage) ratio | 12.1619% | 1,633 |
| Tier 1 risk-based capital ratio | 18.5974% | 1,596 |
| Total risk-based capital ratio | 19.7073% | 1,581 |
| Memoranda: | ||
| Average total assets | $227,584,600 | 2,630 |
| Average earning assets | $209,487,000 | 2,642 |
| Average equity | $24,751,400 | 2,660 |
| Average total loans | $124,177,400 | 2,949 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 2,941 |
| Cost of funding earning assets | 1.0010% | 593 |
| Net interest margin | 3.3055% | 4,265 |
| Noninterest income to average assets | 0.3628% | 3,708 |
| Noninterest expense to average assets | 2.0336% | 4,677 |
| Loan and lease loss provision to assets | 0.0059% | 3,855 |
| Net operating income to assets | 1.0724% | 2,773 |
| Return on assets (ROA) | 1.0748% | 2,774 |
| Pretax return on assets | 1.3654% | 2,358 |
| Return on Equity (ROE) | 9.9087% | 2,658 |
| Retained earnings to average equity (ytd only) | 9.9087% | 953 |
| Net charge-offs to loans | 0.0108% | 3,036 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 231.2521% | 397 |
| Efficiency ratio | 59.7773% | 3,844 |
| Assets per employee ($millions) | 6.8714% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 3,452 |
| Loan loss allowance to noncurrent loans | 165.5901% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 3,012 |
| Noncurrent loans to loans | 0.6353% | 2,493 |
| Net loans and leases to total assets | 55.2881% | 4,274 |
| Net loans and leases to deposits | 68.9181% | 3,994 |
| Net loans and leases to core deposits | 81.6167% | 3,358 |
| Total domestic deposits to total assets | 80.2228% | 4,064 |
| Equity capital to assets | 10.8606% | 2,789 |
| Core capital (leverage) ratio | 12.2413% | 1,652 |
| Tier 1 risk-based capital ratio | 18.3516% | 1,708 |
| Total risk-based capital ratio | 19.2431% | 1,755 |
| Memoranda: | ||
| Average total assets | $225,280,500 | 2,662 |
| Average earning assets | $207,127,000 | 2,674 |
| Average equity | $24,435,750 | 2,697 |
| Average total loans | $123,584,250 | 2,983 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 3,016 |
| Cost of funding earning assets | 0.9394% | 611 |
| Net interest margin | 3.2899% | 4,276 |
| Noninterest income to average assets | 0.3150% | 4,068 |
| Noninterest expense to average assets | 2.0526% | 4,699 |
| Loan and lease loss provision to assets | 0.0089% | 3,667 |
| Net operating income to assets | 1.0175% | 2,938 |
| Return on assets (ROA) | 1.0196% | 2,934 |
| Pretax return on assets | 1.2785% | 2,597 |
| Return on Equity (ROE) | 9.4042% | 2,850 |
| Retained earnings to average equity (ytd only) | 9.4042% | 1,092 |
| Net charge-offs to loans | 0.0098% | 2,788 |
| Credit loss provision to net charge-offs | 166.6667% | 1,465 |
| Earnings coverage of net charge-offs (x) | 240.6667% | 369 |
| Efficiency ratio | 61.5036% | 3,692 |
| Assets per employee ($millions) | 6.7769% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,269 |
| Loan loss allowance to noncurrent loans | 209.8901% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,069 |
| Noncurrent loans to loans | 0.5237% | 2,852 |
| Net loans and leases to total assets | 53.7905% | 4,356 |
| Net loans and leases to deposits | 67.8733% | 4,026 |
| Net loans and leases to core deposits | 80.7670% | 3,348 |
| Total domestic deposits to total assets | 79.2513% | 4,381 |
| Equity capital to assets | 10.9387% | 2,693 |
| Core capital (leverage) ratio | 12.0234% | 1,703 |
| Tier 1 risk-based capital ratio | 18.3986% | 1,697 |
| Total risk-based capital ratio | 19.3175% | 1,743 |
| Memoranda: | ||
| Average total assets | $224,788,670 | 2,681 |
| Average earning assets | $206,513,670 | 2,699 |
| Average equity | $24,372,000 | 2,715 |
| Average total loans | $122,545,000 | 3,008 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 3,169 |
| Cost of funding earning assets | 0.8753% | 677 |
| Net interest margin | 3.2441% | 4,328 |
| Noninterest income to average assets | 0.5360% | 2,608 |
| Noninterest expense to average assets | 1.9240% | 4,985 |
| Loan and lease loss provision to assets | 0.0035% | 3,467 |
| Net operating income to assets | 1.2652% | 1,765 |
| Return on assets (ROA) | 1.2708% | 1,748 |
| Pretax return on assets | 1.5956% | 1,408 |
| Return on Equity (ROE) | 11.7732% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.7732% | 721 |
| Net charge-offs to loans | -0.0033% | 3,895 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7198% | 4,714 |
| Assets per employee ($millions) | 6.7780% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,507 |
| Loan loss allowance to noncurrent loans | 208.4243% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 1,870 |
| Noncurrent loans to loans | 0.5175% | 2,964 |
| Net loans and leases to total assets | 54.7768% | 4,219 |
| Net loans and leases to deposits | 68.9255% | 3,883 |
| Net loans and leases to core deposits | 80.8972% | 3,252 |
| Total domestic deposits to total assets | 79.4724% | 4,497 |
| Equity capital to assets | 10.8345% | 2,735 |
| Core capital (leverage) ratio | 11.7653% | 1,804 |
| Tier 1 risk-based capital ratio | 17.8548% | 1,875 |
| Total risk-based capital ratio | 18.7605% | 1,927 |
| Memoranda: | ||
| Average total assets | $225,364,000 | 2,705 |
| Average earning assets | $207,019,500 | 2,723 |
| Average equity | $24,326,500 | 2,738 |
| Average total loans | $123,001,000 | 3,027 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,221 |
| Cost of funding earning assets | 0.7475% | 831 |
| Net interest margin | 3.3082% | 4,136 |
| Noninterest income to average assets | 0.3078% | 4,256 |
| Noninterest expense to average assets | 2.0813% | 4,805 |
| Loan and lease loss provision to assets | 0.0262% | 3,771 |
| Net operating income to assets | 0.6917% | 3,632 |
| Return on assets (ROA) | 0.7058% | 3,631 |
| Pretax return on assets | 1.2401% | 2,595 |
| Return on Equity (ROE) | 6.5123% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.5123% | 1,273 |
| Net charge-offs to loans | 0.1458% | 1,625 |
| Credit loss provision to net charge-offs | 33.1429% | 3,508 |
| Earnings coverage of net charge-offs (x) | 15.7543% | 2,222 |
| Efficiency ratio | 62.5865% | 3,844 |
| Assets per employee ($millions) | 6.5014% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,418 |
| Loan loss allowance to noncurrent loans | 129.2919% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 1,542 |
| Noncurrent loans to loans | 0.8415% | 2,115 |
| Net loans and leases to total assets | 53.2564% | 4,419 |
| Net loans and leases to deposits | 67.4445% | 4,062 |
| Net loans and leases to core deposits | 78.7207% | 3,529 |
| Total domestic deposits to total assets | 78.9633% | 4,554 |
| Equity capital to assets | 10.8596% | 2,773 |
| Core capital (leverage) ratio | 11.5330% | 1,922 |
| Tier 1 risk-based capital ratio | 17.5978% | 1,922 |
| Total risk-based capital ratio | 18.5030% | 1,964 |
| Memoranda: | ||
| Average total assets | $221,589,600 | 2,716 |
| Average earning assets | $202,133,800 | 2,749 |
| Average equity | $24,016,000 | 2,755 |
| Average total loans | $120,043,400 | 3,061 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,210 |
| Cost of funding earning assets | 0.7468% | 768 |
| Net interest margin | 3.2952% | 4,187 |
| Noninterest income to average assets | 0.2538% | 4,689 |
| Noninterest expense to average assets | 1.9488% | 5,044 |
| Loan and lease loss provision to assets | 0.0321% | 3,483 |
| Net operating income to assets | 0.8342% | 3,364 |
| Return on assets (ROA) | 0.8523% | 3,311 |
| Pretax return on assets | 1.3024% | 2,479 |
| Return on Equity (ROE) | 7.8682% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.8682% | 1,275 |
| Net charge-offs to loans | 0.0313% | 2,805 |
| Credit loss provision to net charge-offs | 189.2857% | 1,404 |
| Earnings coverage of net charge-offs (x) | 77.0407% | 833 |
| Efficiency ratio | 59.8623% | 4,245 |
| Assets per employee ($millions) | 6.7072% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,890 |
| Loan loss allowance to noncurrent loans | 215.0146% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 1,923 |
| Noncurrent loans to loans | 0.5618% | 3,014 |
| Net loans and leases to total assets | 54.5033% | 4,374 |
| Net loans and leases to deposits | 69.3012% | 4,020 |
| Net loans and leases to core deposits | 81.3234% | 3,348 |
| Total domestic deposits to total assets | 78.6470% | 4,603 |
| Equity capital to assets | 11.2385% | 2,630 |
| Core capital (leverage) ratio | 11.6079% | 1,945 |
| Tier 1 risk-based capital ratio | 17.8815% | 1,886 |
| Total risk-based capital ratio | 18.9150% | 1,893 |
| Memoranda: | ||
| Average total assets | $220,099,500 | 2,749 |
| Average earning assets | $200,489,000 | 2,791 |
| Average equity | $23,842,250 | 2,795 |
| Average total loans | $119,424,750 | 3,093 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,226 |
| Cost of funding earning assets | 0.7318% | 757 |
| Net interest margin | 3.2620% | 4,231 |
| Noninterest income to average assets | 0.1438% | 5,339 |
| Noninterest expense to average assets | 1.9810% | 5,016 |
| Loan and lease loss provision to assets | 0.0473% | 3,047 |
| Net operating income to assets | 0.6875% | 3,901 |
| Return on assets (ROA) | 0.6992% | 3,918 |
| Pretax return on assets | 1.1043% | 3,155 |
| Return on Equity (ROE) | 6.5367% | 3,805 |
| Retained earnings to average equity (ytd only) | 6.5367% | 1,825 |
| Net charge-offs to loans | -0.0135% | 4,634 |
| Credit loss provision to net charge-offs | -650.0000% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6071% | 3,742 |
| Assets per employee ($millions) | 6.6868% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,580 |
| Loan loss allowance to noncurrent loans | 222.7139% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 1,796 |
| Noncurrent loans to loans | 0.5694% | 3,023 |
| Net loans and leases to total assets | 53.2776% | 4,461 |
| Net loans and leases to deposits | 66.6153% | 4,179 |
| Net loans and leases to core deposits | 79.0022% | 3,505 |
| Total domestic deposits to total assets | 79.9781% | 4,414 |
| Equity capital to assets | 10.9969% | 2,809 |
| Core capital (leverage) ratio | 11.3974% | 2,051 |
| Tier 1 risk-based capital ratio | 18.0170% | 1,850 |
| Total risk-based capital ratio | 19.1105% | 1,852 |
| Memoranda: | ||
| Average total assets | $219,687,000 | 2,771 |
| Average earning assets | $200,060,000 | 2,805 |
| Average equity | $23,498,000 | 2,833 |
| Average total loans | $118,529,330 | 3,115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9603% | 3,173 |
| Cost of funding earning assets | 0.7212% | 757 |
| Net interest margin | 3.2392% | 4,216 |
| Noninterest income to average assets | 0.3996% | 3,663 |
| Noninterest expense to average assets | 1.9453% | 5,158 |
| Loan and lease loss provision to assets | 0.0748% | 2,307 |
| Net operating income to assets | 0.9305% | 2,615 |
| Return on assets (ROA) | 0.9343% | 2,643 |
| Pretax return on assets | 1.3358% | 2,116 |
| Return on Equity (ROE) | 8.8604% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.8604% | 1,125 |
| Net charge-offs to loans | -0.0304% | 4,937 |
| Credit loss provision to net charge-offs | -455.5556% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0610% | 4,705 |
| Assets per employee ($millions) | 6.4392% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,641 |
| Loan loss allowance to noncurrent loans | 353.7736% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 1,805 |
| Noncurrent loans to loans | 0.3614% | 3,796 |
| Net loans and leases to total assets | 52.9073% | 4,437 |
| Net loans and leases to deposits | 65.2505% | 4,232 |
| Net loans and leases to core deposits | 77.2991% | 3,530 |
| Total domestic deposits to total assets | 81.0833% | 4,398 |
| Equity capital to assets | 10.7375% | 2,917 |
| Core capital (leverage) ratio | 11.3748% | 2,043 |
| Tier 1 risk-based capital ratio | 17.8592% | 1,923 |
| Total risk-based capital ratio | 18.9471% | 1,932 |
| Memoranda: | ||
| Average total assets | $219,199,000 | 2,799 |
| Average earning assets | $199,681,000 | 2,831 |
| Average equity | $23,114,000 | 2,878 |
| Average total loans | $118,257,000 | 3,138 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9148% | 3,520 |
| Cost of funding earning assets | 0.7408% | 661 |
| Net interest margin | 3.1740% | 4,521 |
| Noninterest income to average assets | 0.4402% | 3,617 |
| Noninterest expense to average assets | 2.1266% | 4,954 |
| Loan and lease loss provision to assets | 0.0051% | 4,256 |
| Net operating income to assets | 0.8721% | 2,970 |
| Return on assets (ROA) | 0.9388% | 2,747 |
| Pretax return on assets | 1.2926% | 2,306 |
| Return on Equity (ROE) | 8.8098% | 2,511 |
| Retained earnings to average equity (ytd only) | 8.8098% | 625 |
| Net charge-offs to loans | 0.0538% | 2,960 |
| Credit loss provision to net charge-offs | 17.4603% | 3,693 |
| Earnings coverage of net charge-offs (x) | 41.2381% | 1,154 |
| Efficiency ratio | 63.8061% | 3,970 |
| Assets per employee ($millions) | 6.4548% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 3,019 |
| Loan loss allowance to noncurrent loans | 338.7850% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 1,860 |
| Noncurrent loans to loans | 0.3591% | 3,840 |
| Net loans and leases to total assets | 53.6452% | 4,466 |
| Net loans and leases to deposits | 65.8136% | 4,257 |
| Net loans and leases to core deposits | 77.9352% | 3,573 |
| Total domestic deposits to total assets | 81.5109% | 4,202 |
| Equity capital to assets | 10.3525% | 3,326 |
| Core capital (leverage) ratio | 11.0911% | 2,263 |
| Tier 1 risk-based capital ratio | 17.1554% | 2,108 |
| Total risk-based capital ratio | 18.1871% | 2,128 |
| Memoranda: | ||
| Average total assets | $215,372,000 | 2,803 |
| Average earning assets | $196,281,200 | 2,835 |
| Average equity | $22,951,800 | 2,894 |
| Average total loans | $117,013,400 | 3,111 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 3,634 |
| Cost of funding earning assets | 0.7376% | 674 |
| Net interest margin | 3.1483% | 4,645 |
| Noninterest income to average assets | 0.5380% | 2,992 |
| Noninterest expense to average assets | 1.9706% | 5,266 |
| Loan and lease loss provision to assets | 0.0740% | 2,739 |
| Net operating income to assets | 0.9674% | 2,580 |
| Return on assets (ROA) | 1.0394% | 2,371 |
| Pretax return on assets | 1.4649% | 1,830 |
| Return on Equity (ROE) | 9.6826% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.6826% | 642 |
| Net charge-offs to loans | 0.0641% | 2,432 |
| Credit loss provision to net charge-offs | 212.5000% | 1,379 |
| Earnings coverage of net charge-offs (x) | 41.2706% | 1,211 |
| Efficiency ratio | 57.8208% | 4,840 |
| Assets per employee ($millions) | 6.7094% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,571 |
| Loan loss allowance to noncurrent loans | 367.3709% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1872% | 1,678 |
| Noncurrent loans to loans | 0.3597% | 3,968 |
| Net loans and leases to total assets | 54.4283% | 4,459 |
| Net loans and leases to deposits | 67.7312% | 4,176 |
| Net loans and leases to core deposits | 81.5888% | 3,317 |
| Total domestic deposits to total assets | 80.3592% | 4,426 |
| Equity capital to assets | 11.1509% | 2,854 |
| Core capital (leverage) ratio | 10.9633% | 2,485 |
| Tier 1 risk-based capital ratio | 17.5985% | 2,044 |
| Total risk-based capital ratio | 18.7575% | 2,039 |
| Memoranda: | ||
| Average total assets | $214,349,000 | 2,817 |
| Average earning assets | $195,403,250 | 2,851 |
| Average equity | $23,009,750 | 2,909 |
| Average total loans | $116,471,250 | 3,132 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 3,840 |
| Cost of funding earning assets | 0.7218% | 716 |
| Net interest margin | 3.1102% | 4,804 |
| Noninterest income to average assets | 0.5331% | 2,991 |
| Noninterest expense to average assets | 1.9353% | 5,395 |
| Loan and lease loss provision to assets | 0.0579% | 2,982 |
| Net operating income to assets | 0.9732% | 2,506 |
| Return on assets (ROA) | 1.0633% | 2,233 |
| Pretax return on assets | 1.5030% | 1,665 |
| Return on Equity (ROE) | 10.0355% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.0355% | 591 |
| Net charge-offs to loans | 0.0846% | 2,001 |
| Credit loss provision to net charge-offs | 126.5306% | 1,790 |
| Earnings coverage of net charge-offs (x) | 31.3469% | 1,362 |
| Efficiency ratio | 57.4397% | 4,977 |
| Assets per employee ($millions) | 6.6814% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,849 |
| Loan loss allowance to noncurrent loans | 349.0783% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3367% | 1,500 |
| Noncurrent loans to loans | 0.3692% | 4,037 |
| Net loans and leases to total assets | 54.2665% | 4,483 |
| Net loans and leases to deposits | 67.4327% | 4,232 |
| Net loans and leases to core deposits | 80.7882% | 3,386 |
| Total domestic deposits to total assets | 80.4751% | 4,418 |
| Equity capital to assets | 11.0569% | 2,994 |
| Core capital (leverage) ratio | 10.9631% | 2,472 |
| Tier 1 risk-based capital ratio | 17.0962% | 2,178 |
| Total risk-based capital ratio | 18.2112% | 2,193 |
| Memoranda: | ||
| Average total assets | $214,231,670 | 2,839 |
| Average earning assets | $195,355,000 | 2,867 |
| Average equity | $22,699,330 | 2,953 |
| Average total loans | $115,820,670 | 3,143 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,001 |
| Cost of funding earning assets | 0.6812% | 887 |
| Net interest margin | 3.1022% | 4,857 |
| Noninterest income to average assets | 0.5316% | 2,923 |
| Noninterest expense to average assets | 1.9324% | 5,475 |
| Loan and lease loss provision to assets | 0.0522% | 2,891 |
| Net operating income to assets | 0.9819% | 2,361 |
| Return on assets (ROA) | 1.0613% | 2,156 |
| Pretax return on assets | 1.4960% | 1,606 |
| Return on Equity (ROE) | 10.2389% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.2389% | 796 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3643% | 5,068 |
| Assets per employee ($millions) | 6.5683% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 2,792 |
| Loan loss allowance to noncurrent loans | 325.5319% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 1,499 |
| Noncurrent loans to loans | 0.4059% | 3,981 |
| Net loans and leases to total assets | 54.3567% | 4,419 |
| Net loans and leases to deposits | 67.2140% | 4,135 |
| Net loans and leases to core deposits | 82.3173% | 3,104 |
| Total domestic deposits to total assets | 80.8710% | 4,534 |
| Equity capital to assets | 10.7767% | 3,183 |
| Core capital (leverage) ratio | 10.7014% | 2,728 |
| Tier 1 risk-based capital ratio | 17.0060% | 2,288 |
| Total risk-based capital ratio | 18.1542% | 2,271 |
| Memoranda: | ||
| Average total assets | $214,445,500 | 2,838 |
| Average earning assets | $196,122,000 | 2,864 |
| Average equity | $22,229,000 | 3,002 |
| Average total loans | $114,961,500 | 3,162 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 4,269 |
| Cost of funding earning assets | 0.6804% | 909 |
| Net interest margin | 3.0512% | 5,022 |
| Noninterest income to average assets | 0.4345% | 3,791 |
| Noninterest expense to average assets | 2.0772% | 5,295 |
| Loan and lease loss provision to assets | 0.2255% | 903 |
| Net operating income to assets | 0.7036% | 3,792 |
| Return on assets (ROA) | 0.7291% | 3,774 |
| Pretax return on assets | 0.9622% | 3,604 |
| Return on Equity (ROE) | 7.3179% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.1871% | 2,290 |
| Net charge-offs to loans | 1.2608% | 137 |
| Credit loss provision to net charge-offs | 33.7819% | 3,605 |
| Earnings coverage of net charge-offs (x) | 1.7288% | 4,039 |
| Efficiency ratio | 64.2815% | 4,201 |
| Assets per employee ($millions) | 7.0551% | 870 |
| Cash dividends to net income (ytd only)* | 29.1180% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,811 |
| Loan loss allowance to noncurrent loans | 333.0377% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 1.3882% | 1,505 |
| Noncurrent loans to loans | 0.3951% | 4,040 |
| Net loans and leases to total assets | 51.5036% | 4,736 |
| Net loans and leases to deposits | 62.8071% | 4,562 |
| Net loans and leases to core deposits | 72.8890% | 4,047 |
| Total domestic deposits to total assets | 82.0029% | 4,167 |
| Equity capital to assets | 9.9709% | 3,994 |
| Core capital (leverage) ratio | 9.8620% | 3,699 |
| Tier 1 risk-based capital ratio | 15.5465% | 2,909 |
| Total risk-based capital ratio | 16.6036% | 2,949 |
| Memoranda: | ||
| Average total assets | $211,487,800 | 2,829 |
| Average earning assets | $193,856,600 | 2,849 |
| Average equity | $21,071,600 | 3,065 |
| Average total loans | $111,991,000 | 3,168 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 4,328 |
| Cost of funding earning assets | 0.6840% | 913 |
| Net interest margin | 3.0457% | 5,086 |
| Noninterest income to average assets | 0.4197% | 3,935 |
| Noninterest expense to average assets | 1.9655% | 5,539 |
| Loan and lease loss provision to assets | 0.2893% | 528 |
| Net operating income to assets | 0.6368% | 4,201 |
| Return on assets (ROA) | 0.6530% | 4,224 |
| Pretax return on assets | 0.9780% | 3,703 |
| Return on Equity (ROE) | 6.5555% | 3,869 |
| Retained earnings to average equity (ytd only) | 3.6895% | 3,840 |
| Net charge-offs to loans | 1.6198% | 83 |
| Credit loss provision to net charge-offs | 33.6041% | 3,240 |
| Earnings coverage of net charge-offs (x) | 1.4439% | 3,834 |
| Efficiency ratio | 61.2564% | 4,679 |
| Assets per employee ($millions) | 7.2971% | 753 |
| Cash dividends to net income (ytd only)* | 43.7194% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,774 |
| Loan loss allowance to noncurrent loans | 336.5427% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 1.2502% | 1,874 |
| Noncurrent loans to loans | 0.4049% | 4,158 |
| Net loans and leases to total assets | 49.2213% | 4,995 |
| Net loans and leases to deposits | 59.4051% | 4,898 |
| Net loans and leases to core deposits | 68.6993% | 4,480 |
| Total domestic deposits to total assets | 82.8570% | 3,861 |
| Equity capital to assets | 9.4576% | 4,802 |
| Core capital (leverage) ratio | 9.9521% | 3,709 |
| Tier 1 risk-based capital ratio | 16.3414% | 2,652 |
| Total risk-based capital ratio | 17.5062% | 2,642 |
| Memoranda: | ||
| Average total assets | $209,683,000 | 2,872 |
| Average earning assets | $192,004,250 | 2,899 |
| Average equity | $20,887,750 | 3,107 |
| Average total loans | $111,452,750 | 3,204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 4,066 |
| Cost of funding earning assets | 0.6841% | 921 |
| Net interest margin | 3.1169% | 4,926 |
| Noninterest income to average assets | 0.4810% | 3,497 |
| Noninterest expense to average assets | 1.9287% | 5,667 |
| Loan and lease loss provision to assets | 0.3566% | 365 |
| Net operating income to assets | 0.6750% | 4,004 |
| Return on assets (ROA) | 0.6994% | 4,013 |
| Pretax return on assets | 1.0902% | 3,215 |
| Return on Equity (ROE) | 6.8922% | 3,675 |
| Retained earnings to average equity (ytd only) | 2.5580% | 4,429 |
| Net charge-offs to loans | 0.1820% | 1,364 |
| Credit loss provision to net charge-offs | 360.3960% | 813 |
| Earnings coverage of net charge-offs (x) | 14.2376% | 2,072 |
| Efficiency ratio | 57.7928% | 5,242 |
| Assets per employee ($millions) | 6.2513% | 1,185 |
| Cash dividends to net income (ytd only)* | 62.8852% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3612% | 581 |
| Loan loss allowance to noncurrent loans | 1,406.2500% | 415 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 2,199 |
| Noncurrent loans to loans | 0.1679% | 5,093 |
| Net loans and leases to total assets | 54.1208% | 4,540 |
| Net loans and leases to deposits | 63.3597% | 4,587 |
| Net loans and leases to core deposits | 72.7434% | 4,063 |
| Total domestic deposits to total assets | 85.4184% | 2,957 |
| Equity capital to assets | 10.0609% | 3,967 |
| Core capital (leverage) ratio | 10.2170% | 3,314 |
| Tier 1 risk-based capital ratio | 16.2534% | 2,732 |
| Total risk-based capital ratio | 17.5131% | 2,686 |
| Memoranda: | ||
| Average total assets | $204,174,330 | 2,951 |
| Average earning assets | $187,111,000 | 2,960 |
| Average equity | $20,719,000 | 3,140 |
| Average total loans | $110,976,670 | 3,233 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,918 |
| Cost of funding earning assets | 0.6696% | 1,000 |
| Net interest margin | 3.1519% | 4,780 |
| Noninterest income to average assets | 0.4766% | 3,455 |
| Noninterest expense to average assets | 1.9457% | 5,676 |
| Loan and lease loss provision to assets | 0.0453% | 3,016 |
| Net operating income to assets | 0.9903% | 2,308 |
| Return on assets (ROA) | 0.9847% | 2,457 |
| Pretax return on assets | 1.3608% | 2,035 |
| Return on Equity (ROE) | 9.6614% | 2,150 |
| Retained earnings to average equity (ytd only) | 0.9855% | 5,075 |
| Net charge-offs to loans | 0.0073% | 3,083 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 359.0000% | 157 |
| Efficiency ratio | 57.9132% | 5,348 |
| Assets per employee ($millions) | 6.8632% | 909 |
| Cash dividends to net income (ytd only)* | 89.8000% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2261% | 780 |
| Loan loss allowance to noncurrent loans | 156.8602% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.7363% | 1,430 |
| Noncurrent loans to loans | 1.4192% | 2,025 |
| Net loans and leases to total assets | 52.4345% | 4,620 |
| Net loans and leases to deposits | 61.5350% | 4,621 |
| Net loans and leases to core deposits | 70.5404% | 4,104 |
| Total domestic deposits to total assets | 85.2109% | 3,301 |
| Equity capital to assets | 10.1605% | 3,931 |
| Core capital (leverage) ratio | 10.1534% | 3,401 |
| Tier 1 risk-based capital ratio | 15.3511% | 3,225 |
| Total risk-based capital ratio | 16.6077% | 3,154 |
| Memoranda: | ||
| Average total assets | $203,114,500 | 2,976 |
| Average earning assets | $185,795,000 | 2,988 |
| Average equity | $20,701,000 | 3,166 |
| Average total loans | $109,291,000 | 3,271 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 4,052 |
| Cost of funding earning assets | 0.6826% | 1,196 |
| Net interest margin | 3.2383% | 4,802 |
| Noninterest income to average assets | 0.3690% | 4,437 |
| Noninterest expense to average assets | 1.9968% | 5,764 |
| Loan and lease loss provision to assets | 0.0015% | 4,581 |
| Net operating income to assets | 0.9680% | 2,538 |
| Return on assets (ROA) | 1.0191% | 2,374 |
| Pretax return on assets | 1.3967% | 1,900 |
| Return on Equity (ROE) | 10.7156% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.7156% | 413 |
| Net charge-offs to loans | -0.4098% | 6,372 |
| Credit loss provision to net charge-offs | -0.7160% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0541% | 5,218 |
| Assets per employee ($millions) | 6.6778% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 770 |
| Loan loss allowance to noncurrent loans | 232.9828% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 1.5414% | 1,757 |
| Noncurrent loans to loans | 0.9671% | 2,905 |
| Net loans and leases to total assets | 52.7754% | 4,716 |
| Net loans and leases to deposits | 62.0682% | 4,722 |
| Net loans and leases to core deposits | 70.1857% | 4,312 |
| Total domestic deposits to total assets | 85.0280% | 3,270 |
| Equity capital to assets | 10.2239% | 3,828 |
| Core capital (leverage) ratio | 10.0472% | 3,506 |
| Tier 1 risk-based capital ratio | 16.5116% | 2,705 |
| Total risk-based capital ratio | 17.7698% | 2,656 |
| Memoranda: | ||
| Average total assets | $199,973,400 | 2,999 |
| Average earning assets | $182,531,600 | 3,006 |
| Average equity | $19,019,000 | 3,286 |
| Average total loans | $102,248,800 | 3,375 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 4,436 |
| Cost of funding earning assets | 0.6775% | 1,272 |
| Net interest margin | 3.1521% | 5,113 |
| Noninterest income to average assets | 0.4136% | 4,149 |
| Noninterest expense to average assets | 1.8617% | 6,008 |
| Loan and lease loss provision to assets | 0.1321% | 1,899 |
| Net operating income to assets | 0.8747% | 3,048 |
| Return on assets (ROA) | 0.9185% | 2,924 |
| Pretax return on assets | 1.3681% | 2,124 |
| Return on Equity (ROE) | 9.8425% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.8425% | 749 |
| Net charge-offs to loans | -0.0820% | 6,081 |
| Credit loss provision to net charge-offs | -319.3548% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4751% | 5,618 |
| Assets per employee ($millions) | 6.2972% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,038 |
| Loan loss allowance to noncurrent loans | 182.7309% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.7944% | 1,659 |
| Noncurrent loans to loans | 1.1700% | 2,724 |
| Net loans and leases to total assets | 53.3440% | 4,655 |
| Net loans and leases to deposits | 61.5764% | 4,787 |
| Net loans and leases to core deposits | 69.7124% | 4,351 |
| Total domestic deposits to total assets | 86.6306% | 2,508 |
| Equity capital to assets | 10.1458% | 3,997 |
| Core capital (leverage) ratio | 9.9765% | 3,717 |
| Tier 1 risk-based capital ratio | 16.2007% | 2,957 |
| Total risk-based capital ratio | 17.4577% | 2,908 |
| Memoranda: | ||
| Average total assets | $199,883,250 | 3,016 |
| Average earning assets | $182,816,750 | 3,022 |
| Average equity | $18,653,250 | 3,343 |
| Average total loans | $100,770,000 | 3,432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,605 |
| Cost of funding earning assets | 0.6692% | 1,386 |
| Net interest margin | 3.1064% | 5,236 |
| Noninterest income to average assets | 0.4021% | 4,227 |
| Noninterest expense to average assets | 1.8060% | 6,138 |
| Loan and lease loss provision to assets | 0.1718% | 1,431 |
| Net operating income to assets | 0.8473% | 3,085 |
| Return on assets (ROA) | 0.8946% | 2,937 |
| Pretax return on assets | 1.3384% | 2,123 |
| Return on Equity (ROE) | 9.8637% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.8637% | 752 |
| Net charge-offs to loans | -0.1254% | 6,213 |
| Credit loss provision to net charge-offs | -279.0323% | 5,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6439% | 5,779 |
| Assets per employee ($millions) | 6.9375% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 1,062 |
| Loan loss allowance to noncurrent loans | 177.4448% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.7965% | 1,803 |
| Noncurrent loans to loans | 1.2263% | 2,779 |
| Net loans and leases to total assets | 48.5999% | 5,122 |
| Net loans and leases to deposits | 54.6979% | 5,305 |
| Net loans and leases to core deposits | 61.3344% | 5,025 |
| Total domestic deposits to total assets | 88.8515% | 1,446 |
| Equity capital to assets | 9.2410% | 5,053 |
| Core capital (leverage) ratio | 9.5265% | 4,288 |
| Tier 1 risk-based capital ratio | 15.7325% | 3,229 |
| Total risk-based capital ratio | 16.9888% | 3,166 |
| Memoranda: | ||
| Average total assets | $201,439,670 | 3,015 |
| Average earning assets | $184,395,000 | 3,020 |
| Average equity | $18,269,000 | 3,392 |
| Average total loans | $98,890,000 | 3,477 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,472 |
| Cost of funding earning assets | 0.6780% | 1,382 |
| Net interest margin | 3.1262% | 5,156 |
| Noninterest income to average assets | 0.3937% | 4,239 |
| Noninterest expense to average assets | 1.9647% | 5,948 |
| Loan and lease loss provision to assets | 0.1050% | 2,171 |
| Net operating income to assets | 0.8137% | 3,091 |
| Return on assets (ROA) | 0.8541% | 2,945 |
| Pretax return on assets | 1.2317% | 2,338 |
| Return on Equity (ROE) | 9.5126% | 2,247 |
| Retained earnings to average equity (ytd only) | 9.5126% | 1,103 |
| Net charge-offs to loans | -0.3022% | 6,480 |
| Credit loss provision to net charge-offs | -71.2329% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5853% | 5,323 |
| Assets per employee ($millions) | 6.8953% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 1,177 |
| Loan loss allowance to noncurrent loans | 168.7697% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 1.8008% | 1,946 |
| Noncurrent loans to loans | 1.2975% | 2,857 |
| Net loans and leases to total assets | 47.8031% | 5,157 |
| Net loans and leases to deposits | 53.7926% | 5,308 |
| Net loans and leases to core deposits | 59.7110% | 5,062 |
| Total domestic deposits to total assets | 88.8655% | 1,744 |
| Equity capital to assets | 9.1601% | 4,924 |
| Core capital (leverage) ratio | 9.7060% | 3,991 |
| Tier 1 risk-based capital ratio | 16.2356% | 3,037 |
| Total risk-based capital ratio | 17.4920% | 2,997 |
| Memoranda: | ||
| Average total assets | $198,096,500 | 3,073 |
| Average earning assets | $180,537,000 | 3,090 |
| Average equity | $17,787,000 | 3,448 |
| Average total loans | $96,635,500 | 3,542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 4,532 |
| Cost of funding earning assets | 0.7662% | 1,400 |
| Net interest margin | 3.1150% | 5,270 |
| Noninterest income to average assets | 0.5270% | 3,575 |
| Noninterest expense to average assets | 2.1526% | 5,728 |
| Loan and lease loss provision to assets | 0.2743% | 1,280 |
| Net operating income to assets | 0.7161% | 3,711 |
| Return on assets (ROA) | 0.7739% | 3,519 |
| Pretax return on assets | 1.0056% | 3,329 |
| Return on Equity (ROE) | 8.2809% | 2,893 |
| Retained earnings to average equity (ytd only) | 6.2233% | 1,830 |
| Net charge-offs to loans | 0.0222% | 4,985 |
| Credit loss provision to net charge-offs | 2,485.7143% | 92 |
| Earnings coverage of net charge-offs (x) | 109.1905% | 432 |
| Efficiency ratio | 64.1158% | 4,872 |
| Assets per employee ($millions) | 7.0082% | 764 |
| Cash dividends to net income (ytd only)* | 24.8473% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1090% | 1,320 |
| Loan loss allowance to noncurrent loans | 161.4583% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.8249% | 2,008 |
| Noncurrent loans to loans | 1.3062% | 2,956 |
| Net loans and leases to total assets | 47.6622% | 5,328 |
| Net loans and leases to deposits | 53.4504% | 5,514 |
| Net loans and leases to core deposits | 59.8695% | 5,232 |
| Total domestic deposits to total assets | 89.1708% | 1,504 |
| Equity capital to assets | 8.7943% | 5,264 |
| Core capital (leverage) ratio | 9.7943% | 3,843 |
| Tier 1 risk-based capital ratio | 15.9150% | 3,140 |
| Total risk-based capital ratio | 17.1674% | 3,094 |
| Memoranda: | ||
| Average total assets | $190,331,600 | 3,151 |
| Average earning assets | $172,939,000 | 3,176 |
| Average equity | $17,788,000 | 3,451 |
| Average total loans | $94,498,200 | 3,586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 4,576 |
| Cost of funding earning assets | 0.7796% | 1,431 |
| Net interest margin | 3.1004% | 5,317 |
| Noninterest income to average assets | 0.5245% | 3,637 |
| Noninterest expense to average assets | 1.9718% | 6,063 |
| Loan and lease loss provision to assets | 0.3219% | 1,039 |
| Net operating income to assets | 0.6716% | 4,007 |
| Return on assets (ROA) | 0.7547% | 3,708 |
| Pretax return on assets | 1.1797% | 2,782 |
| Return on Equity (ROE) | 7.9534% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.2303% | 2,913 |
| Net charge-offs to loans | 0.0170% | 4,785 |
| Credit loss provision to net charge-offs | 3,800.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 161.9125% | 348 |
| Efficiency ratio | 58.9738% | 5,560 |
| Assets per employee ($millions) | 6.8182% | 808 |
| Cash dividends to net income (ytd only)* | 34.2377% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 1,569 |
| Loan loss allowance to noncurrent loans | 218.7709% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 2,289 |
| Noncurrent loans to loans | 0.9464% | 3,925 |
| Net loans and leases to total assets | 48.5082% | 5,298 |
| Net loans and leases to deposits | 54.5781% | 5,487 |
| Net loans and leases to core deposits | 60.8656% | 5,234 |
| Total domestic deposits to total assets | 88.8785% | 1,624 |
| Equity capital to assets | 9.0441% | 5,138 |
| Core capital (leverage) ratio | 9.8508% | 3,889 |
| Tier 1 risk-based capital ratio | 15.8841% | 3,261 |
| Total risk-based capital ratio | 17.1390% | 3,204 |
| Memoranda: | ||
| Average total assets | $188,857,250 | 3,204 |
| Average earning assets | $171,715,500 | 3,222 |
| Average equity | $17,920,750 | 3,470 |
| Average total loans | $94,237,250 | 3,618 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 4,604 |
| Cost of funding earning assets | 0.7916% | 1,458 |
| Net interest margin | 3.0738% | 5,354 |
| Noninterest income to average assets | 0.5548% | 3,471 |
| Noninterest expense to average assets | 1.8504% | 6,292 |
| Loan and lease loss provision to assets | 0.3401% | 991 |
| Net operating income to assets | 0.7439% | 3,601 |
| Return on assets (ROA) | 0.8503% | 3,192 |
| Pretax return on assets | 1.3179% | 2,240 |
| Return on Equity (ROE) | 8.8208% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.8208% | 1,182 |
| Net charge-offs to loans | -0.0064% | 5,681 |
| Credit loss provision to net charge-offs | -10,666.6667% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3225% | 6,037 |
| Assets per employee ($millions) | 7.1867% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 2,026 |
| Loan loss allowance to noncurrent loans | 72.5513% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 1,603 |
| Noncurrent loans to loans | 2.6576% | 1,722 |
| Net loans and leases to total assets | 50.0045% | 5,111 |
| Net loans and leases to deposits | 55.3655% | 5,403 |
| Net loans and leases to core deposits | 61.8859% | 5,101 |
| Total domestic deposits to total assets | 90.3171% | 850 |
| Equity capital to assets | 9.2446% | 4,929 |
| Core capital (leverage) ratio | 10.0390% | 3,458 |
| Tier 1 risk-based capital ratio | 16.2021% | 3,085 |
| Total risk-based capital ratio | 17.4521% | 3,036 |
| Memoranda: | ||
| Average total assets | $188,173,000 | 3,227 |
| Average earning assets | $170,799,330 | 3,242 |
| Average equity | $18,139,000 | 3,453 |
| Average total loans | $94,128,000 | 3,631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7957% | 4,835 |
| Cost of funding earning assets | 0.7981% | 1,538 |
| Net interest margin | 2.9976% | 5,578 |
| Noninterest income to average assets | 0.4152% | 4,347 |
| Noninterest expense to average assets | 1.7561% | 6,488 |
| Loan and lease loss provision to assets | 0.2203% | 1,678 |
| Net operating income to assets | 0.7545% | 3,411 |
| Return on assets (ROA) | 0.8155% | 3,216 |
| Pretax return on assets | 1.2710% | 2,336 |
| Return on Equity (ROE) | 8.2923% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.2923% | 1,644 |
| Net charge-offs to loans | 0.0043% | 4,081 |
| Credit loss provision to net charge-offs | 10,400.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 659.0000% | 47 |
| Efficiency ratio | 55.7124% | 6,089 |
| Assets per employee ($millions) | 7.1013% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 2,890 |
| Loan loss allowance to noncurrent loans | 84.0437% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 2.2022% | 2,115 |
| Noncurrent loans to loans | 2.0561% | 2,556 |
| Net loans and leases to total assets | 49.8058% | 5,020 |
| Net loans and leases to deposits | 55.7991% | 5,265 |
| Net loans and leases to core deposits | 62.4685% | 4,909 |
| Total domestic deposits to total assets | 89.2592% | 1,520 |
| Equity capital to assets | 10.1092% | 4,005 |
| Core capital (leverage) ratio | 9.7345% | 3,744 |
| Tier 1 risk-based capital ratio | 16.7559% | 2,882 |
| Total risk-based capital ratio | 18.0091% | 2,847 |
| Memoranda: | ||
| Average total assets | $188,832,000 | 3,238 |
| Average earning assets | $172,404,000 | 3,249 |
| Average equity | $18,571,500 | 3,440 |
| Average total loans | $93,555,500 | 3,664 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 4,815 |
| Cost of funding earning assets | 0.9898% | 1,413 |
| Net interest margin | 3.1467% | 5,702 |
| Noninterest income to average assets | 0.3874% | 4,708 |
| Noninterest expense to average assets | 1.9900% | 6,347 |
| Loan and lease loss provision to assets | 0.4874% | 1,250 |
| Net operating income to assets | 0.5905% | 4,279 |
| Return on assets (ROA) | 0.8842% | 3,138 |
| Pretax return on assets | 1.2117% | 2,763 |
| Return on Equity (ROE) | 8.8225% | 2,722 |
| Retained earnings to average equity (ytd only) | 6.3025% | 1,920 |
| Net charge-offs to loans | 1.2334% | 812 |
| Credit loss provision to net charge-offs | 77.7679% | 3,904 |
| Earnings coverage of net charge-offs (x) | 2.0691% | 4,379 |
| Efficiency ratio | 60.5472% | 5,459 |
| Assets per employee ($millions) | 7.1493% | 725 |
| Cash dividends to net income (ytd only)* | 28.5625% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,224 |
| Loan loss allowance to noncurrent loans | 137.0136% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 1.6821% | 2,876 |
| Noncurrent loans to loans | 1.1814% | 3,880 |
| Net loans and leases to total assets | 47.6721% | 5,447 |
| Net loans and leases to deposits | 53.0130% | 5,738 |
| Net loans and leases to core deposits | 58.9873% | 5,455 |
| Total domestic deposits to total assets | 89.9255% | 987 |
| Equity capital to assets | 9.5726% | 4,789 |
| Core capital (leverage) ratio | 9.5891% | 3,982 |
| Tier 1 risk-based capital ratio | 17.1567% | 2,580 |
| Total risk-based capital ratio | 18.4089% | 2,555 |
| Memoranda: | ||
| Average total assets | $180,154,000 | 3,312 |
| Average earning assets | $165,984,800 | 3,290 |
| Average equity | $18,056,200 | 3,458 |
| Average total loans | $91,532,000 | 3,706 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2232% | 4,735 |
| Cost of funding earning assets | 1.0366% | 1,359 |
| Net interest margin | 3.1866% | 5,729 |
| Noninterest income to average assets | 0.3534% | 4,990 |
| Noninterest expense to average assets | 1.7528% | 6,733 |
| Loan and lease loss provision to assets | 0.3459% | 1,895 |
| Net operating income to assets | 0.7486% | 3,696 |
| Return on assets (ROA) | 1.0037% | 2,712 |
| Pretax return on assets | 1.5953% | 1,588 |
| Return on Equity (ROE) | 9.8935% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.0839% | 1,193 |
| Net charge-offs to loans | 0.7221% | 1,529 |
| Credit loss provision to net charge-offs | 93.1034% | 3,206 |
| Earnings coverage of net charge-offs (x) | 4.1521% | 3,383 |
| Efficiency ratio | 53.1900% | 6,333 |
| Assets per employee ($millions) | 7.2965% | 638 |
| Cash dividends to net income (ytd only)* | 8.1832% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,695 |
| Loan loss allowance to noncurrent loans | 66.0939% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.6994% | 3,044 |
| Noncurrent loans to loans | 2.7762% | 2,026 |
| Net loans and leases to total assets | 48.8145% | 5,451 |
| Net loans and leases to deposits | 54.6065% | 5,755 |
| Net loans and leases to core deposits | 61.2364% | 5,432 |
| Total domestic deposits to total assets | 89.3933% | 1,198 |
| Equity capital to assets | 9.9162% | 4,628 |
| Core capital (leverage) ratio | 9.6875% | 3,982 |
| Tier 1 risk-based capital ratio | 16.8372% | 2,820 |
| Total risk-based capital ratio | 18.0951% | 2,770 |
| Memoranda: | ||
| Average total assets | $176,934,750 | 3,393 |
| Average earning assets | $163,348,500 | 3,358 |
| Average equity | $17,950,750 | 3,512 |
| Average total loans | $91,031,000 | 3,762 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 4,241 |
| Cost of funding earning assets | 1.0915% | 1,251 |
| Net interest margin | 3.2934% | 5,453 |
| Noninterest income to average assets | 0.3359% | 5,145 |
| Noninterest expense to average assets | 1.7941% | 6,756 |
| Loan and lease loss provision to assets | 0.4459% | 1,446 |
| Net operating income to assets | 0.6674% | 4,027 |
| Return on assets (ROA) | 1.0158% | 2,621 |
| Pretax return on assets | 1.6632% | 1,357 |
| Return on Equity (ROE) | 9.9300% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.6958% | 1,378 |
| Net charge-offs to loans | 1.0008% | 1,110 |
| Credit loss provision to net charge-offs | 85.5556% | 3,172 |
| Earnings coverage of net charge-offs (x) | 3.0022% | 3,548 |
| Efficiency ratio | 53.4138% | 6,377 |
| Assets per employee ($millions) | 6.9122% | 755 |
| Cash dividends to net income (ytd only)* | 12.4287% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 2,636 |
| Loan loss allowance to noncurrent loans | 62.2939% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.8551% | 2,961 |
| Noncurrent loans to loans | 3.0072% | 1,966 |
| Net loans and leases to total assets | 49.5499% | 5,416 |
| Net loans and leases to deposits | 55.4690% | 5,708 |
| Net loans and leases to core deposits | 62.6301% | 5,339 |
| Total domestic deposits to total assets | 89.3288% | 1,313 |
| Equity capital to assets | 10.0914% | 4,198 |
| Core capital (leverage) ratio | 9.5662% | 4,052 |
| Tier 1 risk-based capital ratio | 17.0210% | 2,652 |
| Total risk-based capital ratio | 18.2820% | 2,610 |
| Memoranda: | ||
| Average total assets | $172,676,330 | 3,462 |
| Average earning assets | $158,497,330 | 3,457 |
| Average equity | $17,663,670 | 3,545 |
| Average total loans | $89,929,000 | 3,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 3,644 |
| Cost of funding earning assets | 1.1285% | 1,265 |
| Net interest margin | 3.4398% | 4,958 |
| Noninterest income to average assets | 0.3311% | 5,213 |
| Noninterest expense to average assets | 1.8137% | 6,781 |
| Loan and lease loss provision to assets | 0.3594% | 1,754 |
| Net operating income to assets | 0.8296% | 3,256 |
| Return on assets (ROA) | 1.0476% | 2,485 |
| Pretax return on assets | 1.6482% | 1,437 |
| Return on Equity (ROE) | 10.1678% | 2,338 |
| Retained earnings to average equity (ytd only) | 10.1678% | 1,221 |
| Net charge-offs to loans | 1.1037% | 933 |
| Credit loss provision to net charge-offs | 61.5385% | 3,084 |
| Earnings coverage of net charge-offs (x) | 2.8543% | 3,040 |
| Efficiency ratio | 52.1060% | 6,534 |
| Assets per employee ($millions) | 7.0917% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8570% | 2,818 |
| Loan loss allowance to noncurrent loans | 62.0357% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 3,416 |
| Noncurrent loans to loans | 2.9935% | 2,157 |
| Net loans and leases to total assets | 51.8552% | 5,039 |
| Net loans and leases to deposits | 58.2403% | 5,349 |
| Net loans and leases to core deposits | 66.7045% | 4,830 |
| Total domestic deposits to total assets | 89.0365% | 1,674 |
| Equity capital to assets | 10.5469% | 3,432 |
| Core capital (leverage) ratio | 10.1845% | 3,132 |
| Tier 1 risk-based capital ratio | 16.7864% | 2,764 |
| Total risk-based capital ratio | 18.0412% | 2,723 |
| Memoranda: | ||
| Average total assets | $169,155,500 | 3,529 |
| Average earning assets | $154,890,500 | 3,535 |
| Average equity | $17,427,500 | 3,586 |
| Average total loans | $89,518,500 | 3,841 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 3,856 |
| Cost of funding earning assets | 1.3693% | 1,166 |
| Net interest margin | 3.4216% | 5,423 |
| Noninterest income to average assets | 0.3719% | 4,848 |
| Noninterest expense to average assets | 2.0634% | 6,559 |
| Loan and lease loss provision to assets | 0.4501% | 2,354 |
| Net operating income to assets | 0.7086% | 3,446 |
| Return on assets (ROA) | 0.8864% | 2,792 |
| Pretax return on assets | 1.2371% | 2,332 |
| Return on Equity (ROE) | 10.1738% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.1263% | 769 |
| Net charge-offs to loans | 0.4404% | 3,234 |
| Credit loss provision to net charge-offs | 192.0000% | 1,330 |
| Earnings coverage of net charge-offs (x) | 6.1440% | 2,580 |
| Efficiency ratio | 58.8938% | 5,915 |
| Assets per employee ($millions) | 6.7244% | 849 |
| Cash dividends to net income (ytd only)* | 10.2962% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 2,339 |
| Loan loss allowance to noncurrent loans | 76.6392% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 3,800 |
| Noncurrent loans to loans | 2.5845% | 2,533 |
| Net loans and leases to total assets | 51.9565% | 5,316 |
| Net loans and leases to deposits | 58.4741% | 5,655 |
| Net loans and leases to core deposits | 66.9713% | 5,158 |
| Total domestic deposits to total assets | 88.8537% | 1,632 |
| Equity capital to assets | 10.0553% | 4,097 |
| Core capital (leverage) ratio | 10.0896% | 3,235 |
| Tier 1 risk-based capital ratio | 15.3488% | 3,424 |
| Total risk-based capital ratio | 16.6071% | 3,368 |
| Memoranda: | ||
| Average total assets | $159,975,400 | 3,630 |
| Average earning assets | $146,424,400 | 3,632 |
| Average equity | $13,937,800 | 4,120 |
| Average total loans | $85,157,200 | 3,993 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 3,913 |
| Cost of funding earning assets | 1.4253% | 1,129 |
| Net interest margin | 3.3996% | 5,574 |
| Noninterest income to average assets | 0.3689% | 4,922 |
| Noninterest expense to average assets | 1.9703% | 6,752 |
| Loan and lease loss provision to assets | 0.5394% | 1,827 |
| Net operating income to assets | 0.6396% | 3,923 |
| Return on assets (ROA) | 0.8096% | 3,282 |
| Pretax return on assets | 1.2274% | 2,532 |
| Return on Equity (ROE) | 9.6893% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.6893% | 932 |
| Net charge-offs to loans | 0.5940% | 2,480 |
| Credit loss provision to net charge-offs | 170.4000% | 1,773 |
| Earnings coverage of net charge-offs (x) | 4.7680% | 2,971 |
| Efficiency ratio | 56.6230% | 6,192 |
| Assets per employee ($millions) | 6.7986% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 2,520 |
| Loan loss allowance to noncurrent loans | 70.9053% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.5763% | 3,727 |
| Noncurrent loans to loans | 2.7283% | 2,570 |
| Net loans and leases to total assets | 52.3194% | 5,408 |
| Net loans and leases to deposits | 57.7170% | 5,865 |
| Net loans and leases to core deposits | 66.6094% | 5,355 |
| Total domestic deposits to total assets | 90.6482% | 571 |
| Equity capital to assets | 8.6972% | 6,091 |
| Core capital (leverage) ratio | 8.5943% | 5,563 |
| Tier 1 risk-based capital ratio | 12.9610% | 5,127 |
| Total risk-based capital ratio | 14.2146% | 5,093 |
| Memoranda: | ||
| Average total assets | $157,941,750 | 3,691 |
| Average earning assets | $144,523,250 | 3,689 |
| Average equity | $13,196,250 | 4,308 |
| Average total loans | $84,169,250 | 4,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 3,931 |
| Cost of funding earning assets | 1.4739% | 1,094 |
| Net interest margin | 3.3613% | 5,677 |
| Noninterest income to average assets | 0.3521% | 5,074 |
| Noninterest expense to average assets | 1.9706% | 6,849 |
| Loan and lease loss provision to assets | 0.5864% | 1,651 |
| Net operating income to assets | 0.5960% | 4,081 |
| Return on assets (ROA) | 0.6978% | 3,670 |
| Pretax return on assets | 1.0256% | 3,138 |
| Return on Equity (ROE) | 8.4728% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.4728% | 1,273 |
| Net charge-offs to loans | 0.9086% | 1,716 |
| Credit loss provision to net charge-offs | 121.1640% | 2,516 |
| Earnings coverage of net charge-offs (x) | 3.0212% | 3,345 |
| Efficiency ratio | 57.4040% | 6,242 |
| Assets per employee ($millions) | 6.9747% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 3,067 |
| Loan loss allowance to noncurrent loans | 62.8931% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6096% | 3,785 |
| Noncurrent loans to loans | 2.8275% | 2,574 |
| Net loans and leases to total assets | 51.6466% | 5,612 |
| Net loans and leases to deposits | 56.8654% | 6,061 |
| Net loans and leases to core deposits | 64.9056% | 5,617 |
| Total domestic deposits to total assets | 90.8227% | 573 |
| Equity capital to assets | 8.5533% | 6,122 |
| Core capital (leverage) ratio | 8.4719% | 5,601 |
| Tier 1 risk-based capital ratio | 11.8505% | 5,898 |
| Total risk-based capital ratio | 13.1016% | 5,874 |
| Memoranda: | ||
| Average total assets | $156,200,000 | 3,748 |
| Average earning assets | $143,157,670 | 3,740 |
| Average equity | $12,864,670 | 4,371 |
| Average total loans | $83,208,330 | 4,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8542% | 3,798 |
| Cost of funding earning assets | 1.4836% | 1,238 |
| Net interest margin | 3.3706% | 5,537 |
| Noninterest income to average assets | 0.3245% | 5,324 |
| Noninterest expense to average assets | 2.0767% | 6,682 |
| Loan and lease loss provision to assets | 0.3608% | 2,393 |
| Net operating income to assets | 0.6827% | 3,597 |
| Return on assets (ROA) | 0.6827% | 3,664 |
| Pretax return on assets | 0.9890% | 3,162 |
| Return on Equity (ROE) | 8.4590% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.4590% | 1,568 |
| Net charge-offs to loans | 0.2856% | 2,917 |
| Credit loss provision to net charge-offs | 235.5932% | 1,308 |
| Earnings coverage of net charge-offs (x) | 8.8136% | 1,785 |
| Efficiency ratio | 60.6061% | 5,891 |
| Assets per employee ($millions) | 7.4262% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8010% | 3,009 |
| Loan loss allowance to noncurrent loans | 60.6551% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.7903% | 3,588 |
| Noncurrent loans to loans | 2.9692% | 2,531 |
| Net loans and leases to total assets | 52.4453% | 5,520 |
| Net loans and leases to deposits | 57.3777% | 5,988 |
| Net loans and leases to core deposits | 66.3199% | 5,476 |
| Total domestic deposits to total assets | 91.4037% | 443 |
| Equity capital to assets | 8.2109% | 6,270 |
| Core capital (leverage) ratio | 8.5316% | 5,387 |
| Tier 1 risk-based capital ratio | 11.8700% | 5,804 |
| Total risk-based capital ratio | 13.1214% | 5,805 |
| Memoranda: | ||
| Average total assets | $154,091,500 | 3,809 |
| Average earning assets | $141,815,000 | 3,792 |
| Average equity | $12,436,500 | 4,460 |
| Average total loans | $82,637,500 | 4,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 3,344 |
| Cost of funding earning assets | 1.8143% | 1,116 |
| Net interest margin | 3.4392% | 5,479 |
| Noninterest income to average assets | 0.3172% | 5,525 |
| Noninterest expense to average assets | 2.0577% | 6,934 |
| Loan and lease loss provision to assets | 0.3433% | 4,086 |
| Net operating income to assets | 0.7269% | 3,117 |
| Return on assets (ROA) | 1.0430% | 2,000 |
| Pretax return on assets | 1.5634% | 1,215 |
| Return on Equity (ROE) | 11.6810% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.6810% | 303 |
| Net charge-offs to loans | -0.2388% | 7,553 |
| Credit loss provision to net charge-offs | -258.4699% | 7,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9152% | 6,216 |
| Assets per employee ($millions) | 6.9196% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 3,094 |
| Loan loss allowance to noncurrent loans | 56.4388% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.8623% | 3,536 |
| Noncurrent loans to loans | 3.0688% | 2,485 |
| Net loans and leases to total assets | 52.9232% | 5,791 |
| Net loans and leases to deposits | 57.6559% | 6,287 |
| Net loans and leases to core deposits | 67.3871% | 5,731 |
| Total domestic deposits to total assets | 91.7915% | 329 |
| Equity capital to assets | 7.9274% | 6,553 |
| Core capital (leverage) ratio | 8.5004% | 5,365 |
| Tier 1 risk-based capital ratio | 11.8529% | 5,612 |
| Total risk-based capital ratio | 13.1047% | 5,601 |
| Memoranda: | ||
| Average total assets | $137,776,000 | 4,099 |
| Average earning assets | $127,210,200 | 4,080 |
| Average equity | $12,302,000 | 4,526 |
| Average total loans | $76,646,400 | 4,433 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2878% | 3,408 |
| Cost of funding earning assets | 1.8475% | 1,223 |
| Net interest margin | 3.4402% | 5,529 |
| Noninterest income to average assets | 0.3111% | 5,666 |
| Noninterest expense to average assets | 2.0015% | 7,046 |
| Loan and lease loss provision to assets | 0.4094% | 3,447 |
| Net operating income to assets | 0.5450% | 4,113 |
| Return on assets (ROA) | 0.8020% | 3,148 |
| Pretax return on assets | 1.4808% | 1,659 |
| Return on Equity (ROE) | 8.7049% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.7049% | 1,160 |
| Net charge-offs to loans | -0.3258% | 7,653 |
| Credit loss provision to net charge-offs | -223.9130% | 6,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3462% | 6,371 |
| Assets per employee ($millions) | 6.7089% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 3,119 |
| Loan loss allowance to noncurrent loans | 55.6237% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 3,902 |
| Noncurrent loans to loans | 3.0765% | 2,595 |
| Net loans and leases to total assets | 52.9235% | 5,993 |
| Net loans and leases to deposits | 58.5103% | 6,427 |
| Net loans and leases to core deposits | 68.6853% | 5,878 |
| Total domestic deposits to total assets | 90.4516% | 658 |
| Equity capital to assets | 8.8343% | 5,801 |
| Core capital (leverage) ratio | 8.6227% | 5,309 |
| Tier 1 risk-based capital ratio | 11.7714% | 5,670 |
| Total risk-based capital ratio | 13.0223% | 5,643 |
| Memoranda: | ||
| Average total assets | $134,162,000 | 4,227 |
| Average earning assets | $123,981,500 | 4,200 |
| Average equity | $12,360,500 | 4,583 |
| Average total loans | $75,311,500 | 4,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 3,339 |
| Cost of funding earning assets | 1.8607% | 1,379 |
| Net interest margin | 3.4659% | 5,382 |
| Noninterest income to average assets | 0.2930% | 5,805 |
| Noninterest expense to average assets | 2.0218% | 7,071 |
| Loan and lease loss provision to assets | 0.1218% | 5,682 |
| Net operating income to assets | 0.8063% | 2,940 |
| Return on assets (ROA) | 0.9839% | 2,340 |
| Pretax return on assets | 1.6270% | 1,221 |
| Return on Equity (ROE) | 10.5156% | 1,926 |
| Retained earnings to average equity (ytd only) | 10.5156% | 746 |
| Net charge-offs to loans | -0.8820% | 7,759 |
| Credit loss provision to net charge-offs | -24.2331% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8808% | 6,394 |
| Assets per employee ($millions) | 6.2397% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 3,816 |
| Loan loss allowance to noncurrent loans | 54.5497% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.6041% | 4,036 |
| Noncurrent loans to loans | 2.7878% | 2,866 |
| Net loans and leases to total assets | 55.1470% | 5,825 |
| Net loans and leases to deposits | 60.8777% | 6,325 |
| Net loans and leases to core deposits | 72.7309% | 5,593 |
| Total domestic deposits to total assets | 90.5866% | 648 |
| Equity capital to assets | 9.1598% | 5,199 |
| Core capital (leverage) ratio | 9.0217% | 4,565 |
| Tier 1 risk-based capital ratio | 11.9159% | 5,387 |
| Total risk-based capital ratio | 13.0683% | 5,442 |
| Memoranda: | ||
| Average total assets | $129,684,000 | 4,362 |
| Average earning assets | $119,739,000 | 4,316 |
| Average equity | $12,134,330 | 4,645 |
| Average total loans | $73,924,330 | 4,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2576% | 3,743 |
| Cost of funding earning assets | 1.8595% | 1,617 |
| Net interest margin | 3.3981% | 5,589 |
| Noninterest income to average assets | 0.2764% | 5,940 |
| Noninterest expense to average assets | 2.0971% | 6,948 |
| Loan and lease loss provision to assets | 0.1938% | 4,561 |
| Net operating income to assets | 0.6712% | 3,567 |
| Return on assets (ROA) | 0.7912% | 3,120 |
| Pretax return on assets | 1.3027% | 2,041 |
| Return on Equity (ROE) | 8.3596% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.3596% | 1,571 |
| Net charge-offs to loans | -2.0207% | 7,867 |
| Credit loss provision to net charge-offs | -16.6667% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5672% | 5,904 |
| Assets per employee ($millions) | 6.1924% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,457 |
| Loan loss allowance to noncurrent loans | 53.7455% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.7041% | 3,926 |
| Noncurrent loans to loans | 2.9720% | 2,704 |
| Net loans and leases to total assets | 56.4219% | 5,682 |
| Net loans and leases to deposits | 62.3850% | 6,243 |
| Net loans and leases to core deposits | 73.5896% | 5,538 |
| Total domestic deposits to total assets | 90.4414% | 768 |
| Equity capital to assets | 9.3333% | 4,784 |
| Core capital (leverage) ratio | 9.3223% | 4,012 |
| Tier 1 risk-based capital ratio | 12.3901% | 4,838 |
| Total risk-based capital ratio | 13.6380% | 4,796 |
| Memoranda: | ||
| Average total assets | $125,889,500 | 4,501 |
| Average earning assets | $115,945,500 | 4,474 |
| Average equity | $11,914,500 | 4,737 |
| Average total loans | $72,451,000 | 4,770 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 4,757 |
| Cost of funding earning assets | 2.3499% | 1,460 |
| Net interest margin | 3.0369% | 6,548 |
| Noninterest income to average assets | 0.2905% | 6,032 |
| Noninterest expense to average assets | 2.3552% | 6,591 |
| Loan and lease loss provision to assets | 0.5210% | 3,767 |
| Net operating income to assets | 0.1905% | 4,929 |
| Return on assets (ROA) | -0.0539% | 5,614 |
| Pretax return on assets | -0.0348% | 5,500 |
| Return on Equity (ROE) | -0.5299% | 5,626 |
| Retained earnings to average equity (ytd only) | -0.5299% | 5,118 |
| Net charge-offs to loans | 0.6476% | 3,250 |
| Credit loss provision to net charge-offs | 141.9431% | 3,406 |
| Earnings coverage of net charge-offs (x) | 1.9905% | 4,231 |
| Efficiency ratio | 76.3247% | 3,473 |
| Assets per employee ($millions) | 5.7971% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 5,967 |
| Loan loss allowance to noncurrent loans | 24.1314% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 2.6006% | 2,698 |
| Noncurrent loans to loans | 4.5010% | 1,583 |
| Net loans and leases to total assets | 57.1518% | 5,791 |
| Net loans and leases to deposits | 63.3967% | 6,334 |
| Net loans and leases to core deposits | 109.3257% | 2,971 |
| Total domestic deposits to total assets | 90.1494% | 895 |
| Equity capital to assets | 9.6042% | 4,265 |
| Core capital (leverage) ratio | 9.2791% | 4,003 |
| Tier 1 risk-based capital ratio | 13.1412% | 4,053 |
| Total risk-based capital ratio | 14.0194% | 4,249 |
| Memoranda: | ||
| Average total assets | $114,979,000 | 4,701 |
| Average earning assets | $105,833,000 | 4,685 |
| Average equity | $11,700,200 | 4,814 |
| Average total loans | $65,166,600 | 5,059 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3396% | 5,224 |
| Cost of funding earning assets | 2.4391% | 1,495 |
| Net interest margin | 2.9006% | 6,858 |
| Noninterest income to average assets | 0.2742% | 6,268 |
| Noninterest expense to average assets | 2.1832% | 7,020 |
| Loan and lease loss provision to assets | 0.3860% | 4,003 |
| Net operating income to assets | 0.2954% | 4,804 |
| Return on assets (ROA) | -0.2201% | 6,108 |
| Pretax return on assets | -0.1401% | 5,897 |
| Return on Equity (ROE) | -2.1306% | 6,111 |
| Retained earnings to average equity (ytd only) | -2.1306% | 5,748 |
| Net charge-offs to loans | -0.3277% | 8,002 |
| Credit loss provision to net charge-offs | -208.9172% | 7,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1407% | 3,842 |
| Assets per employee ($millions) | 5.9300% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,045 |
| Loan loss allowance to noncurrent loans | 72.5796% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.1861% | 4,699 |
| Noncurrent loans to loans | 2.1857% | 3,396 |
| Net loans and leases to total assets | 53.4052% | 6,452 |
| Net loans and leases to deposits | 59.2198% | 6,887 |
| Net loans and leases to core deposits | 108.6523% | 3,390 |
| Total domestic deposits to total assets | 90.1814% | 703 |
| Equity capital to assets | 9.5086% | 4,740 |
| Core capital (leverage) ratio | 9.5882% | 3,800 |
| Tier 1 risk-based capital ratio | 13.1469% | 4,088 |
| Total risk-based capital ratio | 14.3972% | 4,025 |
| Memoranda: | ||
| Average total assets | $113,289,000 | 4,774 |
| Average earning assets | $104,299,500 | 4,758 |
| Average equity | $11,702,250 | 4,865 |
| Average total loans | $63,873,250 | 5,139 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 4,726 |
| Cost of funding earning assets | 2.5858% | 1,328 |
| Net interest margin | 2.8959% | 6,811 |
| Noninterest income to average assets | 0.2611% | 6,407 |
| Noninterest expense to average assets | 2.2567% | 6,901 |
| Loan and lease loss provision to assets | 0.0548% | 6,676 |
| Net operating income to assets | 0.5009% | 4,085 |
| Return on assets (ROA) | -0.0237% | 5,953 |
| Pretax return on assets | -0.2100% | 6,135 |
| Return on Equity (ROE) | -0.2231% | 5,956 |
| Retained earnings to average equity (ytd only) | -0.2231% | 5,278 |
| Net charge-offs to loans | -0.4789% | 8,101 |
| Credit loss provision to net charge-offs | -20.0000% | 6,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2500% | 3,464 |
| Assets per employee ($millions) | 5.4579% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,242 |
| Loan loss allowance to noncurrent loans | 52.0000% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 1.2869% | 4,366 |
| Noncurrent loans to loans | 2.2207% | 3,235 |
| Net loans and leases to total assets | 57.2817% | 6,060 |
| Net loans and leases to deposits | 63.9342% | 6,569 |
| Net loans and leases to core deposits | 115.4072% | 2,771 |
| Total domestic deposits to total assets | 89.5948% | 1,005 |
| Equity capital to assets | 10.0754% | 3,841 |
| Core capital (leverage) ratio | 10.1935% | 3,101 |
| Tier 1 risk-based capital ratio | 13.9854% | 3,524 |
| Total risk-based capital ratio | 14.9372% | 3,627 |
| Memoranda: | ||
| Average total assets | $109,542,330 | 4,896 |
| Average earning assets | $100,626,000 | 4,877 |
| Average equity | $11,656,000 | 4,898 |
| Average total loans | $62,638,670 | 5,227 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 6,132 |
| Cost of funding earning assets | 2.6568% | 1,388 |
| Net interest margin | 2.5889% | 7,389 |
| Noninterest income to average assets | 0.2579% | 6,384 |
| Noninterest expense to average assets | 2.2466% | 6,705 |
| Loan and lease loss provision to assets | 0.0411% | 6,454 |
| Net operating income to assets | 0.2704% | 5,407 |
| Return on assets (ROA) | 0.3813% | 5,124 |
| Pretax return on assets | 0.5532% | 4,900 |
| Return on Equity (ROE) | 3.4842% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.4842% | 3,960 |
| Net charge-offs to loans | -0.6716% | 8,135 |
| Credit loss provision to net charge-offs | -10.7843% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8215% | 2,329 |
| Assets per employee ($millions) | 5.2271% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,311 |
| Loan loss allowance to noncurrent loans | 47.4576% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3437% | 3,977 |
| Noncurrent loans to loans | 2.3652% | 2,784 |
| Net loans and leases to total assets | 56.1743% | 6,219 |
| Net loans and leases to deposits | 63.0781% | 6,645 |
| Net loans and leases to core deposits | 103.2847% | 4,215 |
| Total domestic deposits to total assets | 89.0552% | 1,207 |
| Equity capital to assets | 10.6642% | 3,317 |
| Core capital (leverage) ratio | 10.6135% | 2,820 |
| Tier 1 risk-based capital ratio | 14.7981% | 3,157 |
| Total risk-based capital ratio | 15.7112% | 3,252 |
| Memoranda: | ||
| Average total assets | $107,005,500 | 4,984 |
| Average earning assets | $100,121,500 | 4,913 |
| Average equity | $11,710,000 | 4,919 |
| Average total loans | $60,747,500 | 5,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 6,363 |
| Cost of funding earning assets | 2.9499% | 2,056 |
| Net interest margin | 2.8728% | 7,207 |
| Noninterest income to average assets | 0.2889% | 6,397 |
| Noninterest expense to average assets | 2.3695% | 6,504 |
| Loan and lease loss provision to assets | 0.6260% | 2,327 |
| Net operating income to assets | -0.0089% | 6,383 |
| Return on assets (ROA) | 0.0044% | 6,220 |
| Pretax return on assets | 0.0460% | 6,059 |
| Return on Equity (ROE) | 0.0349% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.0349% | 5,215 |
| Net charge-offs to loans | 0.5592% | 2,139 |
| Credit loss provision to net charge-offs | 207.2464% | 2,337 |
| Earnings coverage of net charge-offs (x) | 2.1558% | 4,996 |
| Efficiency ratio | 78.4420% | 2,846 |
| Assets per employee ($millions) | 4.7383% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 6,124 |
| Loan loss allowance to noncurrent loans | 39.7966% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 1.4150% | 3,368 |
| Noncurrent loans to loans | 2.4944% | 2,186 |
| Net loans and leases to total assets | 56.1635% | 6,417 |
| Net loans and leases to deposits | 64.1052% | 6,786 |
| Net loans and leases to core deposits | 103.4418% | 4,447 |
| Total domestic deposits to total assets | 87.6115% | 1,668 |
| Equity capital to assets | 11.2373% | 2,852 |
| Core capital (leverage) ratio | 11.0615% | 2,542 |
| Tier 1 risk-based capital ratio | 15.4650% | 2,856 |
| Total risk-based capital ratio | 16.2808% | 2,944 |
| Memoranda: | ||
| Average total assets | $91,368,200 | 5,307 |
| Average earning assets | $86,883,200 | 5,189 |
| Average equity | $11,470,400 | 4,980 |
| Average total loans | $49,355,400 | 5,731 |