Home > The First National Bank of Lawrence County at Walnut Ridge > Performance and Condition Ratios
The First National Bank of Lawrence County at Walnut Ridge, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 3,350 |
| Cost of funding earning assets | 1.8416% | 2,389 |
| Net interest margin | 2.8471% | 3,298 |
| Noninterest income to average assets | 0.5500% | 1,555 |
| Noninterest expense to average assets | 2.2765% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8614% | 2,356 |
| Return on assets (ROA) | 0.8614% | 2,369 |
| Pretax return on assets | 0.8614% | 2,776 |
| Return on Equity (ROE) | 12.4700% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.3714% | 2,601 |
| Net charge-offs to loans | 0.0319% | 1,243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 61.6000% | 878 |
| Efficiency ratio | 72.5490% | 1,893 |
| Assets per employee ($millions) | 5.0823% | 3,603 |
| Cash dividends to net income (ytd only)* | 64.9351% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,089 |
| Loan loss allowance to noncurrent loans | 553.4188% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,105 |
| Noncurrent loans to loans | 0.1886% | 2,677 |
| Net loans and leases to total assets | 42.3900% | 3,943 |
| Net loans and leases to deposits | 45.7814% | 4,045 |
| Net loans and leases to core deposits | 52.2565% | 4,026 |
| Total domestic deposits to total assets | 92.6000% | 229 |
| Equity capital to assets | 6.7548% | 3,995 |
| Core capital (leverage) ratio | 9.9292% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $286,054,500 | 2,526 |
| Average earning assets | $259,771,500 | 2,550 |
| Average equity | $19,765,000 | 2,971 |
| Average total loans | $125,320,000 | 2,943 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 3,387 |
| Cost of funding earning assets | 1.1576% | 2,917 |
| Net interest margin | 3.1760% | 2,932 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.5615% | 2,120 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9174% | 2,494 |
| Return on assets (ROA) | 0.9174% | 2,463 |
| Pretax return on assets | 0.9174% | 2,918 |
| Return on Equity (ROE) | 15.1100% | 1,268 |
| Retained earnings to average equity (ytd only) | 6.6876% | 1,992 |
| Net charge-offs to loans | 0.0008% | 2,855 |
| Credit loss provision to net charge-offs | -5,900.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | 2,611.0000% | 54 |
| Efficiency ratio | 72.8643% | 1,568 |
| Assets per employee ($millions) | 4.8693% | 3,728 |
| Cash dividends to net income (ytd only)* | 55.7547% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,153 |
| Loan loss allowance to noncurrent loans | 528.3401% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 2,946 |
| Noncurrent loans to loans | 0.1952% | 2,537 |
| Net loans and leases to total assets | 44.3400% | 3,884 |
| Net loans and leases to deposits | 47.9786% | 3,995 |
| Net loans and leases to core deposits | 54.8876% | 3,947 |
| Total domestic deposits to total assets | 92.4200% | 240 |
| Equity capital to assets | 7.0683% | 3,914 |
| Core capital (leverage) ratio | 10.1731% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $273,704,600 | 2,562 |
| Average earning assets | $248,523,400 | 2,583 |
| Average equity | $16,612,800 | 3,126 |
| Average total loans | $122,245,800 | 2,931 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 3,412 |
| Cost of funding earning assets | 1.0100% | 3,004 |
| Net interest margin | 3.2248% | 2,860 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.6315% | 1,850 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8765% | 2,772 |
| Return on assets (ROA) | 0.8765% | 2,752 |
| Pretax return on assets | 0.8765% | 3,155 |
| Return on Equity (ROE) | 15.0900% | 1,429 |
| Retained earnings to average equity (ytd only) | 4.9443% | 2,950 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.9785% | 1,362 |
| Assets per employee ($millions) | 4.5991% | 3,882 |
| Cash dividends to net income (ytd only)* | 67.2269% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 3,137 |
| Loan loss allowance to noncurrent loans | 680.7292% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,111 |
| Noncurrent loans to loans | 0.1532% | 2,784 |
| Net loans and leases to total assets | 47.3000% | 3,773 |
| Net loans and leases to deposits | 50.3914% | 3,919 |
| Net loans and leases to core deposits | 56.2674% | 3,847 |
| Total domestic deposits to total assets | 93.8600% | 195 |
| Equity capital to assets | 5.4076% | 4,163 |
| Core capital (leverage) ratio | 10.3448% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $271,526,500 | 2,573 |
| Average earning assets | $246,995,250 | 2,594 |
| Average equity | $15,775,500 | 3,196 |
| Average total loans | $121,173,500 | 2,942 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1057% | 3,479 |
| Cost of funding earning assets | 0.8803% | 2,991 |
| Net interest margin | 3.2254% | 2,924 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6142% | 1,888 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8811% | 2,817 |
| Return on assets (ROA) | 0.8811% | 2,808 |
| Pretax return on assets | 0.8811% | 3,216 |
| Return on Equity (ROE) | 14.8400% | 1,498 |
| Retained earnings to average equity (ytd only) | 5.0280% | 2,933 |
| Net charge-offs to loans | 0.0618% | 932 |
| Credit loss provision to net charge-offs | -189.1892% | 4,561 |
| Earnings coverage of net charge-offs (x) | 35.1622% | 1,476 |
| Efficiency ratio | 73.4001% | 1,416 |
| Assets per employee ($millions) | 4.8980% | 3,677 |
| Cash dividends to net income (ytd only)* | 66.1157% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,207 |
| Loan loss allowance to noncurrent loans | 551.7544% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 2,945 |
| Noncurrent loans to loans | 0.1900% | 2,516 |
| Net loans and leases to total assets | 44.0800% | 3,873 |
| Net loans and leases to deposits | 47.1735% | 4,011 |
| Net loans and leases to core deposits | 51.9051% | 3,959 |
| Total domestic deposits to total assets | 93.4400% | 190 |
| Equity capital to assets | 6.0240% | 4,144 |
| Core capital (leverage) ratio | 9.9709% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $274,651,667 | 2,558 |
| Average earning assets | $250,140,333 | 2,580 |
| Average equity | $16,308,667 | 3,160 |
| Average total loans | $119,798,333 | 2,950 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8949% | 3,683 |
| Cost of funding earning assets | 0.7380% | 2,933 |
| Net interest margin | 3.1569% | 3,216 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.5981% | 1,955 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8381% | 3,059 |
| Return on assets (ROA) | 0.8381% | 3,016 |
| Pretax return on assets | 0.8381% | 3,371 |
| Return on Equity (ROE) | 14.2100% | 1,738 |
| Retained earnings to average equity (ytd only) | 4.4284% | 3,147 |
| Net charge-offs to loans | 0.0735% | 707 |
| Credit loss provision to net charge-offs | -750.0000% | 4,644 |
| Earnings coverage of net charge-offs (x) | 28.1364% | 1,332 |
| Efficiency ratio | 74.4215% | 1,293 |
| Assets per employee ($millions) | 4.9472% | 3,700 |
| Cash dividends to net income (ytd only)* | 68.8468% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,489 |
| Loan loss allowance to noncurrent loans | 885.7143% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,313 |
| Noncurrent loans to loans | 0.1137% | 2,953 |
| Net loans and leases to total assets | 41.0600% | 3,995 |
| Net loans and leases to deposits | 43.9224% | 4,102 |
| Net loans and leases to core deposits | 47.9052% | 4,051 |
| Total domestic deposits to total assets | 93.4700% | 236 |
| Equity capital to assets | 6.1211% | 4,162 |
| Core capital (leverage) ratio | 9.8457% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $277,283,000 | 2,574 |
| Average earning assets | $252,022,000 | 2,606 |
| Average equity | $16,349,000 | 3,188 |
| Average total loans | $119,695,000 | 2,980 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 3,779 |
| Cost of funding earning assets | 0.2213% | 3,586 |
| Net interest margin | 2.9993% | 3,456 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.4730% | 2,202 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8665% | 3,091 |
| Return on assets (ROA) | 0.8665% | 3,023 |
| Pretax return on assets | 0.8665% | 3,439 |
| Return on Equity (ROE) | 12.8800% | 1,847 |
| Retained earnings to average equity (ytd only) | 5.2879% | 2,932 |
| Net charge-offs to loans | 0.1845% | 447 |
| Credit loss provision to net charge-offs | 74.8918% | 1,704 |
| Earnings coverage of net charge-offs (x) | 11.0693% | 2,165 |
| Efficiency ratio | 72.6845% | 1,367 |
| Assets per employee ($millions) | 4.6996% | 3,894 |
| Cash dividends to net income (ytd only)* | 58.9346% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 2,824 |
| Loan loss allowance to noncurrent loans | 421.2963% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 2,692 |
| Noncurrent loans to loans | 0.2646% | 2,209 |
| Net loans and leases to total assets | 44.4200% | 3,869 |
| Net loans and leases to deposits | 47.2166% | 4,003 |
| Net loans and leases to core deposits | 49.7154% | 3,986 |
| Total domestic deposits to total assets | 94.0800% | 233 |
| Equity capital to assets | 5.6634% | 4,191 |
| Core capital (leverage) ratio | 9.7153% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $275,133,000 | 2,574 |
| Average earning assets | $250,321,800 | 2,610 |
| Average equity | $18,513,800 | 3,075 |
| Average total loans | $125,188,800 | 2,877 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0851% | 3,710 |
| Cost of funding earning assets | 0.1829% | 3,485 |
| Net interest margin | 2.9022% | 3,493 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.4648% | 2,113 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8026% | 3,253 |
| Return on assets (ROA) | 0.8026% | 3,211 |
| Pretax return on assets | 0.8026% | 3,569 |
| Return on Equity (ROE) | 11.4800% | 2,208 |
| Retained earnings to average equity (ytd only) | 4.5289% | 3,273 |
| Net charge-offs to loans | 0.1038% | 598 |
| Credit loss provision to net charge-offs | 56.1224% | 1,505 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,786 |
| Efficiency ratio | 74.8275% | 1,194 |
| Assets per employee ($millions) | 4.7580% | 3,871 |
| Cash dividends to net income (ytd only)* | 60.5422% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 2,897 |
| Loan loss allowance to noncurrent loans | 378.0822% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 2,687 |
| Noncurrent loans to loans | 0.2980% | 2,174 |
| Net loans and leases to total assets | 43.8900% | 3,881 |
| Net loans and leases to deposits | 46.2026% | 4,018 |
| Net loans and leases to core deposits | 48.9815% | 3,999 |
| Total domestic deposits to total assets | 94.9900% | 224 |
| Equity capital to assets | 4.7449% | 4,339 |
| Core capital (leverage) ratio | 9.6024% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $275,772,250 | 2,592 |
| Average earning assets | $250,746,000 | 2,629 |
| Average equity | $19,283,000 | 3,054 |
| Average total loans | $125,875,750 | 2,872 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9764% | 3,613 |
| Cost of funding earning assets | 0.1734% | 3,271 |
| Net interest margin | 2.8030% | 3,440 |
| Noninterest income to average assets | 0.6645% | 1,485 |
| Noninterest expense to average assets | 2.4243% | 2,158 |
| Loan and lease loss provision to assets | 0.0334% | 1,990 |
| Net operating income to assets | 0.7508% | 3,141 |
| Return on assets (ROA) | 0.7508% | 3,096 |
| Pretax return on assets | 0.7508% | 3,448 |
| Return on Equity (ROE) | 9.6974% | 2,452 |
| Retained earnings to average equity (ytd only) | 2.4361% | 3,635 |
| Net charge-offs to loans | 0.1433% | 454 |
| Credit loss provision to net charge-offs | 50.5495% | 1,494 |
| Earnings coverage of net charge-offs (x) | 11.8791% | 1,721 |
| Efficiency ratio | 75.5596% | 1,328 |
| Assets per employee ($millions) | 4.9395% | 3,728 |
| Cash dividends to net income (ytd only)* | 74.8792% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,206 |
| Loan loss allowance to noncurrent loans | 399.4203% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 2,850 |
| Noncurrent loans to loans | 0.2722% | 2,390 |
| Net loans and leases to total assets | 44.5226% | 3,794 |
| Net loans and leases to deposits | 47.4721% | 3,951 |
| Net loans and leases to core deposits | 51.2404% | 3,860 |
| Total domestic deposits to total assets | 93.7869% | 324 |
| Equity capital to assets | 5.8967% | 4,231 |
| Core capital (leverage) ratio | 9.5707% | 2,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,709,000 | 2,609 |
| Average earning assets | $250,233,333 | 2,666 |
| Average equity | $21,346,000 | 2,953 |
| Average total loans | $127,002,333 | 2,875 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9044% | 3,523 |
| Cost of funding earning assets | 0.1647% | 3,302 |
| Net interest margin | 2.7397% | 3,312 |
| Noninterest income to average assets | 0.6701% | 1,412 |
| Noninterest expense to average assets | 2.4546% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7038% | 3,044 |
| Return on assets (ROA) | 0.7038% | 3,036 |
| Pretax return on assets | 0.7038% | 3,382 |
| Return on Equity (ROE) | 8.0951% | 2,653 |
| Retained earnings to average equity (ytd only) | 3.0357% | 3,247 |
| Net charge-offs to loans | -0.0126% | 3,681 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7159% | 1,337 |
| Assets per employee ($millions) | 4.8063% | 3,919 |
| Cash dividends to net income (ytd only)* | 62.5000% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,140 |
| Loan loss allowance to noncurrent loans | 175.5228% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 1,933 |
| Noncurrent loans to loans | 0.6509% | 1,450 |
| Net loans and leases to total assets | 45.0745% | 3,648 |
| Net loans and leases to deposits | 48.8852% | 3,824 |
| Net loans and leases to core deposits | 53.4537% | 3,634 |
| Total domestic deposits to total assets | 92.2047% | 505 |
| Equity capital to assets | 7.5540% | 3,898 |
| Core capital (leverage) ratio | 9.7952% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,789,000 | 2,643 |
| Average earning assets | $247,766,000 | 2,693 |
| Average equity | $23,718,000 | 2,852 |
| Average total loans | $127,138,000 | 2,882 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2438% | 3,362 |
| Cost of funding earning assets | 0.2173% | 3,293 |
| Net interest margin | 3.0265% | 3,126 |
| Noninterest income to average assets | 0.6970% | 1,777 |
| Noninterest expense to average assets | 2.4042% | 2,480 |
| Loan and lease loss provision to assets | 0.0111% | 2,859 |
| Net operating income to assets | 1.0376% | 2,527 |
| Return on assets (ROA) | 1.0502% | 2,556 |
| Pretax return on assets | 1.0502% | 3,126 |
| Return on Equity (ROE) | 10.5878% | 2,314 |
| Retained earnings to average equity (ytd only) | 5.0399% | 2,773 |
| Net charge-offs to loans | 0.0841% | 962 |
| Credit loss provision to net charge-offs | 27.5229% | 2,247 |
| Earnings coverage of net charge-offs (x) | 25.9633% | 1,713 |
| Efficiency ratio | 69.6287% | 1,781 |
| Assets per employee ($millions) | 4.3114% | 4,264 |
| Cash dividends to net income (ytd only)* | 52.3994% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,353 |
| Loan loss allowance to noncurrent loans | 160.9729% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 1,938 |
| Noncurrent loans to loans | 0.6833% | 1,469 |
| Net loans and leases to total assets | 47.1029% | 3,590 |
| Net loans and leases to deposits | 52.4091% | 3,709 |
| Net loans and leases to core deposits | 58.1805% | 3,459 |
| Total domestic deposits to total assets | 89.8755% | 1,016 |
| Equity capital to assets | 9.8451% | 2,809 |
| Core capital (leverage) ratio | 9.9782% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,865,600 | 2,603 |
| Average earning assets | $245,731,800 | 2,645 |
| Average equity | $26,766,600 | 2,742 |
| Average total loans | $129,667,000 | 2,859 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3279% | 3,315 |
| Cost of funding earning assets | 0.2315% | 3,313 |
| Net interest margin | 3.0964% | 3,064 |
| Noninterest income to average assets | 0.6166% | 2,141 |
| Noninterest expense to average assets | 2.4332% | 2,335 |
| Loan and lease loss provision to assets | 0.0148% | 2,701 |
| Net operating income to assets | 0.9882% | 2,954 |
| Return on assets (ROA) | 1.0041% | 2,954 |
| Pretax return on assets | 1.0041% | 3,442 |
| Return on Equity (ROE) | 10.1045% | 2,699 |
| Retained earnings to average equity (ytd only) | 5.0746% | 3,191 |
| Net charge-offs to loans | 0.1028% | 728 |
| Credit loss provision to net charge-offs | 30.0000% | 1,953 |
| Earnings coverage of net charge-offs (x) | 20.2700% | 1,736 |
| Efficiency ratio | 70.8093% | 1,512 |
| Assets per employee ($millions) | 4.6513% | 4,004 |
| Cash dividends to net income (ytd only)* | 49.7782% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,386 |
| Loan loss allowance to noncurrent loans | 159.6433% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 2,091 |
| Noncurrent loans to loans | 0.6966% | 1,590 |
| Net loans and leases to total assets | 48.0268% | 3,627 |
| Net loans and leases to deposits | 53.7502% | 3,761 |
| Net loans and leases to core deposits | 59.8071% | 3,481 |
| Total domestic deposits to total assets | 89.3517% | 1,097 |
| Equity capital to assets | 10.2485% | 2,656 |
| Core capital (leverage) ratio | 9.9838% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,427,500 | 2,627 |
| Average earning assets | $245,351,250 | 2,667 |
| Average equity | $26,773,000 | 2,775 |
| Average total loans | $129,743,000 | 2,895 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 3,746 |
| Cost of funding earning assets | 0.2456% | 3,319 |
| Net interest margin | 2.9158% | 3,540 |
| Noninterest income to average assets | 0.5612% | 2,370 |
| Noninterest expense to average assets | 2.4079% | 2,437 |
| Loan and lease loss provision to assets | 0.0665% | 1,714 |
| Net operating income to assets | 0.7436% | 3,655 |
| Return on assets (ROA) | 0.7436% | 3,720 |
| Pretax return on assets | 0.7436% | 3,984 |
| Return on Equity (ROE) | 7.5600% | 3,515 |
| Retained earnings to average equity (ytd only) | 3.5435% | 3,672 |
| Net charge-offs to loans | 0.1307% | 607 |
| Credit loss provision to net charge-offs | 105.8824% | 1,330 |
| Earnings coverage of net charge-offs (x) | 12.9059% | 1,705 |
| Efficiency ratio | 74.8279% | 1,176 |
| Assets per employee ($millions) | 4.7010% | 3,930 |
| Cash dividends to net income (ytd only)* | 53.1281% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,107 |
| Loan loss allowance to noncurrent loans | 148.9130% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 2,120 |
| Noncurrent loans to loans | 0.7837% | 1,550 |
| Net loans and leases to total assets | 46.8096% | 3,845 |
| Net loans and leases to deposits | 52.0170% | 3,995 |
| Net loans and leases to core deposits | 57.2573% | 3,813 |
| Total domestic deposits to total assets | 89.9890% | 785 |
| Equity capital to assets | 9.7972% | 3,062 |
| Core capital (leverage) ratio | 9.4457% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,862,333 | 2,606 |
| Average earning assets | $246,790,333 | 2,646 |
| Average equity | $26,640,333 | 2,770 |
| Average total loans | $130,070,000 | 2,902 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0967% | 3,890 |
| Cost of funding earning assets | 0.2652% | 3,329 |
| Net interest margin | 2.8314% | 3,686 |
| Noninterest income to average assets | 0.5616% | 2,365 |
| Noninterest expense to average assets | 2.4122% | 2,460 |
| Loan and lease loss provision to assets | 0.0815% | 1,586 |
| Net operating income to assets | 0.6460% | 3,820 |
| Return on assets (ROA) | 0.6460% | 3,892 |
| Pretax return on assets | 0.6460% | 4,117 |
| Return on Equity (ROE) | 6.5554% | 3,717 |
| Retained earnings to average equity (ytd only) | -0.5864% | 4,418 |
| Net charge-offs to loans | 0.2880% | 295 |
| Credit loss provision to net charge-offs | 58.5106% | 1,280 |
| Earnings coverage of net charge-offs (x) | 5.2234% | 1,690 |
| Efficiency ratio | 76.8287% | 1,055 |
| Assets per employee ($millions) | 4.5467% | 4,066 |
| Cash dividends to net income (ytd only)* | 108.9450% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,321 |
| Loan loss allowance to noncurrent loans | 128.5840% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4100% | 2,173 |
| Noncurrent loans to loans | 0.8735% | 1,543 |
| Net loans and leases to total assets | 46.4034% | 3,932 |
| Net loans and leases to deposits | 51.4298% | 4,072 |
| Net loans and leases to core deposits | 57.2634% | 3,890 |
| Total domestic deposits to total assets | 90.2267% | 709 |
| Equity capital to assets | 9.4300% | 3,261 |
| Core capital (leverage) ratio | 9.5178% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,963,500 | 2,596 |
| Average earning assets | $245,813,500 | 2,641 |
| Average equity | $26,604,000 | 2,759 |
| Average total loans | $130,536,000 | 2,894 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,012 |
| Cost of funding earning assets | 0.5134% | 2,863 |
| Net interest margin | 3.3910% | 2,810 |
| Noninterest income to average assets | 0.7207% | 1,787 |
| Noninterest expense to average assets | 2.6489% | 2,389 |
| Loan and lease loss provision to assets | 0.0433% | 3,862 |
| Net operating income to assets | 1.0961% | 1,939 |
| Return on assets (ROA) | 1.1361% | 1,901 |
| Pretax return on assets | 1.1361% | 2,564 |
| Return on Equity (ROE) | 10.6955% | 1,746 |
| Retained earnings to average equity (ytd only) | 3.3961% | 3,125 |
| Net charge-offs to loans | 0.0259% | 2,518 |
| Credit loss provision to net charge-offs | 311.7647% | 1,694 |
| Earnings coverage of net charge-offs (x) | 82.1176% | 882 |
| Efficiency ratio | 69.9235% | 1,957 |
| Assets per employee ($millions) | 4.2351% | 4,192 |
| Cash dividends to net income (ytd only)* | 68.2471% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,222 |
| Loan loss allowance to noncurrent loans | 326.5217% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 3,402 |
| Noncurrent loans to loans | 0.3514% | 2,937 |
| Net loans and leases to total assets | 49.2838% | 3,880 |
| Net loans and leases to deposits | 55.1545% | 4,061 |
| Net loans and leases to core deposits | 61.9529% | 3,830 |
| Total domestic deposits to total assets | 89.3560% | 826 |
| Equity capital to assets | 10.3032% | 2,832 |
| Core capital (leverage) ratio | 10.0271% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,044,800 | 2,614 |
| Average earning assets | $221,676,400 | 2,663 |
| Average equity | $26,029,600 | 2,738 |
| Average total loans | $131,443,600 | 2,851 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,028 |
| Cost of funding earning assets | 0.5743% | 2,776 |
| Net interest margin | 3.4058% | 2,902 |
| Noninterest income to average assets | 0.6355% | 2,048 |
| Noninterest expense to average assets | 2.7496% | 2,123 |
| Loan and lease loss provision to assets | 0.0420% | 3,829 |
| Net operating income to assets | 0.9191% | 2,628 |
| Return on assets (ROA) | 0.9584% | 2,627 |
| Pretax return on assets | 0.9584% | 3,203 |
| Return on Equity (ROE) | 8.9495% | 2,416 |
| Retained earnings to average equity (ytd only) | 1.5778% | 4,062 |
| Net charge-offs to loans | 0.0041% | 3,017 |
| Credit loss provision to net charge-offs | 1,900.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 433.7500% | 262 |
| Efficiency ratio | 74.0967% | 1,398 |
| Assets per employee ($millions) | 4.1545% | 4,188 |
| Cash dividends to net income (ytd only)* | 82.3699% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,196 |
| Loan loss allowance to noncurrent loans | 332.3009% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 3,523 |
| Noncurrent loans to loans | 0.3316% | 3,093 |
| Net loans and leases to total assets | 54.0741% | 3,799 |
| Net loans and leases to deposits | 60.8349% | 4,005 |
| Net loans and leases to core deposits | 68.8059% | 3,710 |
| Total domestic deposits to total assets | 88.8867% | 819 |
| Equity capital to assets | 10.6339% | 2,682 |
| Core capital (leverage) ratio | 9.9960% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,661,250 | 2,621 |
| Average earning assets | $217,311,000 | 2,677 |
| Average equity | $25,773,500 | 2,746 |
| Average total loans | $131,576,750 | 2,853 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 2,971 |
| Cost of funding earning assets | 0.6295% | 2,815 |
| Net interest margin | 3.5002% | 2,784 |
| Noninterest income to average assets | 0.6224% | 2,050 |
| Noninterest expense to average assets | 2.7411% | 2,248 |
| Loan and lease loss provision to assets | 0.0555% | 3,606 |
| Net operating income to assets | 0.9824% | 2,392 |
| Return on assets (ROA) | 0.9975% | 2,462 |
| Pretax return on assets | 0.9975% | 3,041 |
| Return on Equity (ROE) | 9.2914% | 2,254 |
| Retained earnings to average equity (ytd only) | 1.8489% | 3,811 |
| Net charge-offs to loans | 0.0108% | 2,564 |
| Credit loss provision to net charge-offs | 942.8571% | 821 |
| Earnings coverage of net charge-offs (x) | 176.2857% | 492 |
| Efficiency ratio | 72.5351% | 1,619 |
| Assets per employee ($millions) | 4.1770% | 4,126 |
| Cash dividends to net income (ytd only)* | 80.1012% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 3,115 |
| Loan loss allowance to noncurrent loans | 327.9736% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 3,658 |
| Noncurrent loans to loans | 0.3327% | 3,200 |
| Net loans and leases to total assets | 52.1129% | 4,023 |
| Net loans and leases to deposits | 58.3331% | 4,201 |
| Net loans and leases to core deposits | 66.0381% | 3,970 |
| Total domestic deposits to total assets | 89.3368% | 631 |
| Equity capital to assets | 10.2666% | 2,953 |
| Core capital (leverage) ratio | 10.0231% | 2,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,792,000 | 2,622 |
| Average earning assets | $214,447,667 | 2,673 |
| Average equity | $25,529,000 | 2,748 |
| Average total loans | $130,005,000 | 2,863 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,257 |
| Cost of funding earning assets | 0.7324% | 2,771 |
| Net interest margin | 3.7876% | 2,025 |
| Noninterest income to average assets | 0.6268% | 1,920 |
| Noninterest expense to average assets | 2.9243% | 2,061 |
| Loan and lease loss provision to assets | 0.0370% | 3,308 |
| Net operating income to assets | 1.0616% | 1,961 |
| Return on assets (ROA) | 1.0933% | 1,963 |
| Pretax return on assets | 1.0933% | 2,546 |
| Return on Equity (ROE) | 9.9362% | 1,764 |
| Retained earnings to average equity (ytd only) | 2.3360% | 3,323 |
| Net charge-offs to loans | 0.0473% | 1,540 |
| Credit loss provision to net charge-offs | 140.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 1,008 |
| Efficiency ratio | 72.6915% | 1,975 |
| Assets per employee ($millions) | 3.9355% | 4,013 |
| Cash dividends to net income (ytd only)* | 76.4895% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 2,988 |
| Loan loss allowance to noncurrent loans | 274.5698% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 3,581 |
| Noncurrent loans to loans | 0.4153% | 3,006 |
| Net loans and leases to total assets | 52.7297% | 4,075 |
| Net loans and leases to deposits | 59.2234% | 4,234 |
| Net loans and leases to core deposits | 71.0404% | 3,812 |
| Total domestic deposits to total assets | 89.0351% | 644 |
| Equity capital to assets | 10.5473% | 3,278 |
| Core capital (leverage) ratio | 11.0408% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,200,000 | 2,652 |
| Average earning assets | $203,718,500 | 2,715 |
| Average equity | $24,999,500 | 2,775 |
| Average total loans | $126,783,000 | 2,874 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 1,635 |
| Cost of funding earning assets | 0.8573% | 2,393 |
| Net interest margin | 4.0821% | 1,585 |
| Noninterest income to average assets | 0.6398% | 2,047 |
| Noninterest expense to average assets | 2.9743% | 2,079 |
| Loan and lease loss provision to assets | 0.0589% | 2,859 |
| Net operating income to assets | 1.2342% | 1,929 |
| Return on assets (ROA) | 1.2510% | 1,955 |
| Pretax return on assets | 1.2510% | 2,664 |
| Return on Equity (ROE) | 11.3001% | 1,771 |
| Retained earnings to average equity (ytd only) | 4.5200% | 2,697 |
| Net charge-offs to loans | 0.0948% | 1,779 |
| Credit loss provision to net charge-offs | 105.0000% | 2,358 |
| Earnings coverage of net charge-offs (x) | 23.0417% | 1,828 |
| Efficiency ratio | 69.6986% | 2,219 |
| Assets per employee ($millions) | 3.6379% | 4,338 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 2,831 |
| Loan loss allowance to noncurrent loans | 283.1683% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2314% | 3,516 |
| Noncurrent loans to loans | 0.3957% | 3,020 |
| Net loans and leases to total assets | 57.8134% | 3,782 |
| Net loans and leases to deposits | 65.5640% | 3,979 |
| Net loans and leases to core deposits | 75.2714% | 3,625 |
| Total domestic deposits to total assets | 88.1786% | 1,042 |
| Equity capital to assets | 11.4966% | 2,531 |
| Core capital (leverage) ratio | 11.2593% | 2,286 |
| Tier 1 risk-based capital ratio | 18.2546% | 1,699 |
| Total risk-based capital ratio | 19.3014% | 1,703 |
| Memoranda: | ||
| Average total assets | $213,830,200 | 2,719 |
| Average earning assets | $190,023,200 | 2,802 |
| Average equity | $23,672,400 | 2,825 |
| Average total loans | $126,550,000 | 2,858 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9603% | 1,652 |
| Cost of funding earning assets | 0.8624% | 2,399 |
| Net interest margin | 4.0980% | 1,619 |
| Noninterest income to average assets | 0.6161% | 2,124 |
| Noninterest expense to average assets | 2.9816% | 2,025 |
| Loan and lease loss provision to assets | 0.0790% | 2,329 |
| Net operating income to assets | 1.1953% | 2,207 |
| Return on assets (ROA) | 1.1997% | 2,275 |
| Pretax return on assets | 1.1997% | 2,982 |
| Return on Equity (ROE) | 10.9445% | 2,036 |
| Retained earnings to average equity (ytd only) | 3.2250% | 3,794 |
| Net charge-offs to loans | 0.1172% | 1,317 |
| Credit loss provision to net charge-offs | 113.5135% | 2,046 |
| Earnings coverage of net charge-offs (x) | 18.3149% | 2,053 |
| Efficiency ratio | 70.0589% | 2,108 |
| Assets per employee ($millions) | 3.5708% | 4,435 |
| Cash dividends to net income (ytd only)* | 70.5330% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 2,911 |
| Loan loss allowance to noncurrent loans | 277.7992% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 3,619 |
| Noncurrent loans to loans | 0.4044% | 3,098 |
| Net loans and leases to total assets | 58.1397% | 3,873 |
| Net loans and leases to deposits | 65.9161% | 4,072 |
| Net loans and leases to core deposits | 75.5978% | 3,721 |
| Total domestic deposits to total assets | 88.2026% | 950 |
| Equity capital to assets | 11.2937% | 2,840 |
| Core capital (leverage) ratio | 11.3328% | 2,355 |
| Tier 1 risk-based capital ratio | 17.9457% | 1,837 |
| Total risk-based capital ratio | 19.0028% | 1,838 |
| Memoranda: | ||
| Average total assets | $212,719,500 | 2,743 |
| Average earning assets | $188,934,750 | 2,828 |
| Average equity | $23,317,000 | 2,868 |
| Average total loans | $126,282,250 | 2,897 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 1,527 |
| Cost of funding earning assets | 0.8440% | 2,423 |
| Net interest margin | 4.1390% | 1,501 |
| Noninterest income to average assets | 0.6075% | 2,110 |
| Noninterest expense to average assets | 2.9713% | 2,082 |
| Loan and lease loss provision to assets | 0.1052% | 1,777 |
| Net operating income to assets | 1.2027% | 2,142 |
| Return on assets (ROA) | 1.2065% | 2,190 |
| Pretax return on assets | 1.2065% | 2,886 |
| Return on Equity (ROE) | 11.1231% | 1,931 |
| Retained earnings to average equity (ytd only) | 3.4776% | 3,502 |
| Net charge-offs to loans | 0.1162% | 1,270 |
| Credit loss provision to net charge-offs | 152.0548% | 1,472 |
| Earnings coverage of net charge-offs (x) | 18.9041% | 1,843 |
| Efficiency ratio | 69.4352% | 2,312 |
| Assets per employee ($millions) | 3.4536% | 4,552 |
| Cash dividends to net income (ytd only)* | 68.7353% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,751 |
| Loan loss allowance to noncurrent loans | 283.8835% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,609 |
| Noncurrent loans to loans | 0.4079% | 3,070 |
| Net loans and leases to total assets | 58.2820% | 3,887 |
| Net loans and leases to deposits | 66.0439% | 4,093 |
| Net loans and leases to core deposits | 77.0471% | 3,644 |
| Total domestic deposits to total assets | 88.2473% | 991 |
| Equity capital to assets | 11.2025% | 2,850 |
| Core capital (leverage) ratio | 11.2716% | 2,355 |
| Tier 1 risk-based capital ratio | 17.7590% | 1,866 |
| Total risk-based capital ratio | 18.8291% | 1,874 |
| Memoranda: | ||
| Average total assets | $211,019,330 | 2,773 |
| Average earning assets | $187,196,330 | 2,855 |
| Average equity | $22,889,330 | 2,892 |
| Average total loans | $125,683,330 | 2,919 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 1,628 |
| Cost of funding earning assets | 0.8144% | 2,451 |
| Net interest margin | 4.0722% | 1,632 |
| Noninterest income to average assets | 0.5958% | 2,068 |
| Noninterest expense to average assets | 2.9064% | 2,263 |
| Loan and lease loss provision to assets | 0.0955% | 1,833 |
| Net operating income to assets | 1.1935% | 2,085 |
| Return on assets (ROA) | 1.1801% | 2,179 |
| Pretax return on assets | 1.1801% | 2,875 |
| Return on Equity (ROE) | 11.0651% | 1,924 |
| Retained earnings to average equity (ytd only) | 3.9032% | 3,348 |
| Net charge-offs to loans | 0.1499% | 876 |
| Credit loss provision to net charge-offs | 106.3830% | 1,522 |
| Earnings coverage of net charge-offs (x) | 14.3617% | 1,798 |
| Efficiency ratio | 69.2763% | 2,461 |
| Assets per employee ($millions) | 3.4257% | 4,631 |
| Cash dividends to net income (ytd only)* | 64.7249% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 2,895 |
| Loan loss allowance to noncurrent loans | 290.0407% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 3,693 |
| Noncurrent loans to loans | 0.3943% | 3,176 |
| Net loans and leases to total assets | 58.0803% | 3,880 |
| Net loans and leases to deposits | 65.4749% | 4,098 |
| Net loans and leases to core deposits | 76.5657% | 3,622 |
| Total domestic deposits to total assets | 88.7063% | 995 |
| Equity capital to assets | 10.8474% | 3,001 |
| Core capital (leverage) ratio | 11.4685% | 2,155 |
| Tier 1 risk-based capital ratio | 17.6455% | 1,901 |
| Total risk-based capital ratio | 18.6910% | 1,903 |
| Memoranda: | ||
| Average total assets | $209,468,500 | 2,812 |
| Average earning assets | $185,159,500 | 2,900 |
| Average equity | $22,340,500 | 2,937 |
| Average total loans | $125,397,000 | 2,955 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 1,674 |
| Cost of funding earning assets | 0.5788% | 2,863 |
| Net interest margin | 4.1739% | 1,471 |
| Noninterest income to average assets | 0.6611% | 2,008 |
| Noninterest expense to average assets | 2.7756% | 2,768 |
| Loan and lease loss provision to assets | 0.0259% | 3,654 |
| Net operating income to assets | 1.5596% | 971 |
| Return on assets (ROA) | 1.5506% | 988 |
| Pretax return on assets | 1.5506% | 1,620 |
| Return on Equity (ROE) | 14.8092% | 869 |
| Retained earnings to average equity (ytd only) | 6.2380% | 2,072 |
| Net charge-offs to loans | 0.0242% | 2,921 |
| Credit loss provision to net charge-offs | 173.3333% | 1,620 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 716 |
| Efficiency ratio | 63.6447% | 3,233 |
| Assets per employee ($millions) | 3.4424% | 4,621 |
| Cash dividends to net income (ytd only)* | 57.8778% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,926 |
| Loan loss allowance to noncurrent loans | 318.5682% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 3,740 |
| Noncurrent loans to loans | 0.3547% | 3,270 |
| Net loans and leases to total assets | 60.3186% | 3,735 |
| Net loans and leases to deposits | 67.7468% | 3,998 |
| Net loans and leases to core deposits | 76.7825% | 3,657 |
| Total domestic deposits to total assets | 89.0353% | 843 |
| Equity capital to assets | 10.4781% | 3,214 |
| Core capital (leverage) ratio | 11.4337% | 2,152 |
| Tier 1 risk-based capital ratio | 17.5473% | 1,886 |
| Total risk-based capital ratio | 18.5943% | 1,898 |
| Memoranda: | ||
| Average total assets | $200,569,800 | 2,862 |
| Average earning assets | $177,795,400 | 2,947 |
| Average equity | $21,000,400 | 2,992 |
| Average total loans | $123,841,600 | 2,954 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,727 |
| Cost of funding earning assets | 0.5282% | 3,012 |
| Net interest margin | 4.1543% | 1,485 |
| Noninterest income to average assets | 0.6456% | 2,095 |
| Noninterest expense to average assets | 2.7660% | 2,755 |
| Loan and lease loss provision to assets | 0.0368% | 3,270 |
| Net operating income to assets | 1.5304% | 1,119 |
| Return on assets (ROA) | 1.5304% | 1,121 |
| Pretax return on assets | 1.5304% | 1,803 |
| Return on Equity (ROE) | 14.6190% | 957 |
| Retained earnings to average equity (ytd only) | 6.9416% | 2,156 |
| Net charge-offs to loans | -0.0638% | 5,021 |
| Credit loss provision to net charge-offs | -93.2203% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8331% | 3,210 |
| Assets per employee ($millions) | 3.4203% | 4,661 |
| Cash dividends to net income (ytd only)* | 52.5164% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,772 |
| Loan loss allowance to noncurrent loans | 458.0060% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,152 |
| Noncurrent loans to loans | 0.2564% | 3,772 |
| Net loans and leases to total assets | 62.1774% | 3,639 |
| Net loans and leases to deposits | 72.7846% | 3,701 |
| Net loans and leases to core deposits | 80.6827% | 3,442 |
| Total domestic deposits to total assets | 85.4266% | 2,442 |
| Equity capital to assets | 10.1668% | 3,480 |
| Core capital (leverage) ratio | 11.7481% | 1,968 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,074 |
| Total risk-based capital ratio | 18.1825% | 2,084 |
| Memoranda: | ||
| Average total assets | $199,076,000 | 2,898 |
| Average earning assets | $176,713,000 | 2,979 |
| Average equity | $20,840,000 | 3,036 |
| Average total loans | $123,299,750 | 2,987 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 1,664 |
| Cost of funding earning assets | 0.4730% | 3,202 |
| Net interest margin | 4.1682% | 1,358 |
| Noninterest income to average assets | 0.6730% | 1,988 |
| Noninterest expense to average assets | 3.1670% | 1,617 |
| Loan and lease loss provision to assets | 0.0203% | 3,498 |
| Net operating income to assets | 1.1887% | 2,245 |
| Return on assets (ROA) | 1.1887% | 2,243 |
| Pretax return on assets | 1.1887% | 2,976 |
| Return on Equity (ROE) | 11.2423% | 2,021 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,817 |
| Net charge-offs to loans | 0.0066% | 2,901 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 297.7500% | 307 |
| Efficiency ratio | 72.3730% | 1,938 |
| Assets per employee ($millions) | 3.2703% | 4,854 |
| Cash dividends to net income (ytd only)* | 68.3177% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,927 |
| Loan loss allowance to noncurrent loans | 361.7347% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1998% | 4,002 |
| Noncurrent loans to loans | 0.3210% | 3,558 |
| Net loans and leases to total assets | 61.5164% | 3,656 |
| Net loans and leases to deposits | 69.1418% | 3,937 |
| Net loans and leases to core deposits | 77.1455% | 3,652 |
| Total domestic deposits to total assets | 88.9713% | 945 |
| Equity capital to assets | 10.5190% | 3,091 |
| Core capital (leverage) ratio | 11.3104% | 2,244 |
| Tier 1 risk-based capital ratio | 17.6419% | 1,905 |
| Total risk-based capital ratio | 18.7331% | 1,897 |
| Memoranda: | ||
| Average total assets | $197,029,330 | 2,933 |
| Average earning assets | $175,038,330 | 3,009 |
| Average equity | $20,832,000 | 3,047 |
| Average total loans | $121,361,670 | 3,019 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,588 |
| Cost of funding earning assets | 0.4359% | 3,328 |
| Net interest margin | 4.1601% | 1,271 |
| Noninterest income to average assets | 0.7050% | 1,807 |
| Noninterest expense to average assets | 3.1970% | 1,572 |
| Loan and lease loss provision to assets | 0.0405% | 2,946 |
| Net operating income to assets | 1.1609% | 2,173 |
| Return on assets (ROA) | 1.1609% | 2,185 |
| Pretax return on assets | 1.1609% | 2,933 |
| Return on Equity (ROE) | 10.9518% | 1,992 |
| Retained earnings to average equity (ytd only) | 3.3066% | 3,885 |
| Net charge-offs to loans | 0.0099% | 2,394 |
| Credit loss provision to net charge-offs | 666.6667% | 485 |
| Earnings coverage of net charge-offs (x) | 197.6667% | 341 |
| Efficiency ratio | 72.6854% | 2,092 |
| Assets per employee ($millions) | 3.4589% | 4,713 |
| Cash dividends to net income (ytd only)* | 69.8080% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,940 |
| Loan loss allowance to noncurrent loans | 316.7411% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,900 |
| Noncurrent loans to loans | 0.3723% | 3,448 |
| Net loans and leases to total assets | 59.2787% | 3,824 |
| Net loans and leases to deposits | 66.3812% | 4,062 |
| Net loans and leases to core deposits | 74.9686% | 3,745 |
| Total domestic deposits to total assets | 89.3004% | 959 |
| Equity capital to assets | 10.2480% | 3,339 |
| Core capital (leverage) ratio | 11.3989% | 2,087 |
| Tier 1 risk-based capital ratio | 17.4688% | 1,985 |
| Total risk-based capital ratio | 18.5594% | 1,983 |
| Memoranda: | ||
| Average total assets | $197,436,000 | 2,952 |
| Average earning assets | $175,286,000 | 3,039 |
| Average equity | $20,928,000 | 3,055 |
| Average total loans | $120,981,000 | 3,052 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,302 |
| Cost of funding earning assets | 0.4204% | 3,051 |
| Net interest margin | 3.8864% | 2,127 |
| Noninterest income to average assets | 0.6059% | 2,419 |
| Noninterest expense to average assets | 2.8970% | 2,465 |
| Loan and lease loss provision to assets | 0.0346% | 3,574 |
| Net operating income to assets | 1.1539% | 1,670 |
| Return on assets (ROA) | 1.1515% | 1,707 |
| Pretax return on assets | 1.1515% | 2,978 |
| Return on Equity (ROE) | 11.3359% | 1,379 |
| Retained earnings to average equity (ytd only) | 4.5188% | 2,441 |
| Net charge-offs to loans | 0.0639% | 2,561 |
| Credit loss provision to net charge-offs | 88.6076% | 2,813 |
| Earnings coverage of net charge-offs (x) | 30.4177% | 1,533 |
| Efficiency ratio | 70.9080% | 2,415 |
| Assets per employee ($millions) | 3.3493% | 4,878 |
| Cash dividends to net income (ytd only)* | 60.1375% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 3,040 |
| Loan loss allowance to noncurrent loans | 189.2038% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 3,258 |
| Noncurrent loans to loans | 0.6093% | 2,711 |
| Net loans and leases to total assets | 61.8866% | 3,638 |
| Net loans and leases to deposits | 69.8501% | 3,889 |
| Net loans and leases to core deposits | 79.5031% | 3,457 |
| Total domestic deposits to total assets | 88.5991% | 1,195 |
| Equity capital to assets | 10.9633% | 2,665 |
| Core capital (leverage) ratio | 11.2158% | 2,149 |
| Tier 1 risk-based capital ratio | 17.4229% | 1,961 |
| Total risk-based capital ratio | 18.5059% | 1,963 |
| Memoranda: | ||
| Average total assets | $202,176,800 | 2,908 |
| Average earning assets | $181,017,400 | 2,953 |
| Average equity | $20,536,600 | 3,077 |
| Average total loans | $123,608,800 | 3,004 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,510 |
| Cost of funding earning assets | 0.4116% | 3,073 |
| Net interest margin | 3.8210% | 2,313 |
| Noninterest income to average assets | 0.5936% | 2,512 |
| Noninterest expense to average assets | 2.9486% | 2,253 |
| Loan and lease loss provision to assets | 0.0457% | 3,185 |
| Net operating income to assets | 1.0312% | 2,407 |
| Return on assets (ROA) | 1.0279% | 2,470 |
| Pretax return on assets | 1.0279% | 3,574 |
| Return on Equity (ROE) | 10.3144% | 1,981 |
| Retained earnings to average equity (ytd only) | 3.4338% | 3,883 |
| Net charge-offs to loans | 0.0677% | 2,156 |
| Credit loss provision to net charge-offs | 111.1111% | 2,127 |
| Earnings coverage of net charge-offs (x) | 26.1739% | 1,692 |
| Efficiency ratio | 73.2479% | 2,005 |
| Assets per employee ($millions) | 3.4681% | 4,772 |
| Cash dividends to net income (ytd only)* | 66.7094% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,497 |
| Loan loss allowance to noncurrent loans | 136.6089% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,922 |
| Noncurrent loans to loans | 0.8028% | 2,353 |
| Net loans and leases to total assets | 63.5731% | 3,476 |
| Net loans and leases to deposits | 75.5990% | 3,411 |
| Net loans and leases to core deposits | 87.9673% | 2,773 |
| Total domestic deposits to total assets | 84.0925% | 3,090 |
| Equity capital to assets | 10.4260% | 3,447 |
| Core capital (leverage) ratio | 11.1047% | 2,365 |
| Tier 1 risk-based capital ratio | 16.2414% | 2,401 |
| Total risk-based capital ratio | 17.2811% | 2,428 |
| Memoranda: | ||
| Average total assets | $204,156,750 | 2,906 |
| Average earning assets | $183,366,750 | 2,956 |
| Average equity | $20,346,500 | 3,125 |
| Average total loans | $124,105,750 | 3,028 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 2,593 |
| Cost of funding earning assets | 0.3977% | 3,099 |
| Net interest margin | 3.7700% | 2,410 |
| Noninterest income to average assets | 0.5917% | 2,500 |
| Noninterest expense to average assets | 2.9177% | 2,370 |
| Loan and lease loss provision to assets | 0.0439% | 3,119 |
| Net operating income to assets | 1.0216% | 2,324 |
| Return on assets (ROA) | 1.0177% | 2,384 |
| Pretax return on assets | 1.0177% | 3,495 |
| Return on Equity (ROE) | 10.3685% | 1,889 |
| Retained earnings to average equity (ytd only) | 3.9130% | 3,370 |
| Net charge-offs to loans | 0.0735% | 1,886 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 24.2889% | 1,646 |
| Efficiency ratio | 73.2501% | 2,142 |
| Assets per employee ($millions) | 3.3132% | 4,967 |
| Cash dividends to net income (ytd only)* | 62.2605% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 3,337 |
| Loan loss allowance to noncurrent loans | 225.0399% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 3,783 |
| Noncurrent loans to loans | 0.5092% | 3,233 |
| Net loans and leases to total assets | 61.2295% | 3,717 |
| Net loans and leases to deposits | 68.7808% | 4,007 |
| Net loans and leases to core deposits | 80.2246% | 3,407 |
| Total domestic deposits to total assets | 89.0212% | 939 |
| Equity capital to assets | 10.5240% | 3,308 |
| Core capital (leverage) ratio | 10.6941% | 2,708 |
| Tier 1 risk-based capital ratio | 16.3881% | 2,363 |
| Total risk-based capital ratio | 17.4382% | 2,376 |
| Memoranda: | ||
| Average total assets | $205,158,670 | 2,903 |
| Average earning assets | $184,563,330 | 2,961 |
| Average equity | $20,138,000 | 3,146 |
| Average total loans | $122,375,670 | 3,059 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 2,776 |
| Cost of funding earning assets | 0.3827% | 3,177 |
| Net interest margin | 3.6850% | 2,541 |
| Noninterest income to average assets | 0.6317% | 2,260 |
| Noninterest expense to average assets | 3.0162% | 2,126 |
| Loan and lease loss provision to assets | 0.0480% | 2,854 |
| Net operating income to assets | 0.9139% | 2,689 |
| Return on assets (ROA) | 0.9081% | 2,773 |
| Pretax return on assets | 0.9081% | 3,738 |
| Return on Equity (ROE) | 9.5814% | 2,154 |
| Retained earnings to average equity (ytd only) | 2.4916% | 4,145 |
| Net charge-offs to loans | 0.0230% | 2,307 |
| Credit loss provision to net charge-offs | 357.1429% | 706 |
| Earnings coverage of net charge-offs (x) | 71.5714% | 710 |
| Efficiency ratio | 75.8205% | 1,936 |
| Assets per employee ($millions) | 3.5932% | 4,660 |
| Cash dividends to net income (ytd only)* | 73.9958% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,203 |
| Loan loss allowance to noncurrent loans | 333.8785% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 4,326 |
| Noncurrent loans to loans | 0.3560% | 3,815 |
| Net loans and leases to total assets | 56.9984% | 4,063 |
| Net loans and leases to deposits | 63.3370% | 4,344 |
| Net loans and leases to core deposits | 76.8034% | 3,573 |
| Total domestic deposits to total assets | 89.9921% | 658 |
| Equity capital to assets | 9.6005% | 4,182 |
| Core capital (leverage) ratio | 10.3566% | 3,049 |
| Tier 1 risk-based capital ratio | 16.6239% | 2,317 |
| Total risk-based capital ratio | 17.7161% | 2,316 |
| Memoranda: | ||
| Average total assets | $208,341,500 | 2,905 |
| Average earning assets | $189,199,500 | 2,946 |
| Average equity | $19,746,500 | 3,198 |
| Average total loans | $121,998,000 | 3,086 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 2,734 |
| Cost of funding earning assets | 0.3645% | 3,372 |
| Net interest margin | 3.7667% | 2,444 |
| Noninterest income to average assets | 0.6008% | 2,659 |
| Noninterest expense to average assets | 2.9281% | 2,571 |
| Loan and lease loss provision to assets | 0.1323% | 1,886 |
| Net operating income to assets | 0.9637% | 2,522 |
| Return on assets (ROA) | 0.9948% | 2,476 |
| Pretax return on assets | 0.9948% | 3,494 |
| Return on Equity (ROE) | 9.7001% | 2,104 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,133 |
| Net charge-offs to loans | 0.2232% | 1,243 |
| Credit loss provision to net charge-offs | 95.3737% | 2,691 |
| Earnings coverage of net charge-offs (x) | 7.9004% | 2,954 |
| Efficiency ratio | 72.7641% | 2,465 |
| Assets per employee ($millions) | 3.5910% | 4,621 |
| Cash dividends to net income (ytd only)* | 59.5533% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,489 |
| Loan loss allowance to noncurrent loans | 227.5806% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 4,011 |
| Noncurrent loans to loans | 0.5009% | 3,361 |
| Net loans and leases to total assets | 58.7525% | 3,998 |
| Net loans and leases to deposits | 65.1164% | 4,323 |
| Net loans and leases to core deposits | 78.7708% | 3,501 |
| Total domestic deposits to total assets | 90.2270% | 549 |
| Equity capital to assets | 9.3553% | 4,418 |
| Core capital (leverage) ratio | 10.4068% | 2,981 |
| Tier 1 risk-based capital ratio | 16.3189% | 2,421 |
| Total risk-based capital ratio | 17.3836% | 2,432 |
| Memoranda: | ||
| Average total assets | $202,553,800 | 2,929 |
| Average earning assets | $184,085,000 | 2,970 |
| Average equity | $20,773,000 | 3,093 |
| Average total loans | $125,913,200 | 2,983 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 2,706 |
| Cost of funding earning assets | 0.3626% | 3,413 |
| Net interest margin | 3.7817% | 2,402 |
| Noninterest income to average assets | 0.6000% | 2,659 |
| Noninterest expense to average assets | 3.0382% | 2,207 |
| Loan and lease loss provision to assets | 0.1710% | 1,330 |
| Net operating income to assets | 0.8267% | 3,251 |
| Return on assets (ROA) | 0.8671% | 3,189 |
| Pretax return on assets | 0.8671% | 4,090 |
| Return on Equity (ROE) | 8.2672% | 2,871 |
| Retained earnings to average equity (ytd only) | 3.2108% | 3,987 |
| Net charge-offs to loans | 0.2889% | 790 |
| Credit loss provision to net charge-offs | 94.1606% | 2,472 |
| Earnings coverage of net charge-offs (x) | 5.4928% | 3,121 |
| Efficiency ratio | 75.2792% | 2,064 |
| Assets per employee ($millions) | 3.5687% | 4,691 |
| Cash dividends to net income (ytd only)* | 61.1620% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,819 |
| Loan loss allowance to noncurrent loans | 213.0106% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 4,033 |
| Noncurrent loans to loans | 0.5174% | 3,442 |
| Net loans and leases to total assets | 62.1076% | 3,629 |
| Net loans and leases to deposits | 69.8201% | 4,002 |
| Net loans and leases to core deposits | 87.2482% | 2,826 |
| Total domestic deposits to total assets | 88.9538% | 930 |
| Equity capital to assets | 10.6559% | 3,402 |
| Core capital (leverage) ratio | 10.5112% | 2,986 |
| Tier 1 risk-based capital ratio | 15.8211% | 2,695 |
| Total risk-based capital ratio | 16.8659% | 2,715 |
| Memoranda: | ||
| Average total assets | $201,123,000 | 2,950 |
| Average earning assets | $182,736,750 | 3,000 |
| Average equity | $21,095,000 | 3,080 |
| Average total loans | $126,446,750 | 2,983 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 2,664 |
| Cost of funding earning assets | 0.3600% | 3,446 |
| Net interest margin | 3.7925% | 2,351 |
| Noninterest income to average assets | 0.6179% | 2,518 |
| Noninterest expense to average assets | 2.9188% | 2,617 |
| Loan and lease loss provision to assets | 0.1877% | 1,157 |
| Net operating income to assets | 0.9503% | 2,621 |
| Return on assets (ROA) | 0.9703% | 2,662 |
| Pretax return on assets | 0.9703% | 3,702 |
| Return on Equity (ROE) | 9.3008% | 2,366 |
| Retained earnings to average equity (ytd only) | 3.5596% | 3,628 |
| Net charge-offs to loans | 0.3365% | 704 |
| Credit loss provision to net charge-offs | 88.6792% | 2,262 |
| Earnings coverage of net charge-offs (x) | 5.3774% | 2,866 |
| Efficiency ratio | 71.9488% | 2,665 |
| Assets per employee ($millions) | 3.5899% | 4,605 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,928 |
| Loan loss allowance to noncurrent loans | 224.7191% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 4,186 |
| Noncurrent loans to loans | 0.4910% | 3,609 |
| Net loans and leases to total assets | 62.4219% | 3,570 |
| Net loans and leases to deposits | 70.1929% | 3,964 |
| Net loans and leases to core deposits | 86.5530% | 2,850 |
| Total domestic deposits to total assets | 88.9291% | 950 |
| Equity capital to assets | 10.7028% | 3,396 |
| Core capital (leverage) ratio | 10.2413% | 3,277 |
| Tier 1 risk-based capital ratio | 15.8062% | 2,735 |
| Total risk-based capital ratio | 16.8508% | 2,764 |
| Memoranda: | ||
| Average total assets | $200,358,000 | 2,975 |
| Average earning assets | $181,676,000 | 3,025 |
| Average equity | $20,901,330 | 3,106 |
| Average total loans | $126,013,670 | 2,997 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 2,649 |
| Cost of funding earning assets | 0.3476% | 3,623 |
| Net interest margin | 3.8038% | 2,272 |
| Noninterest income to average assets | 0.6319% | 2,356 |
| Noninterest expense to average assets | 2.9877% | 2,430 |
| Loan and lease loss provision to assets | 0.0560% | 2,826 |
| Net operating income to assets | 1.0239% | 2,182 |
| Return on assets (ROA) | 1.0399% | 2,242 |
| Pretax return on assets | 1.0399% | 3,326 |
| Return on Equity (ROE) | 10.1000% | 1,945 |
| Retained earnings to average equity (ytd only) | 2.3308% | 4,319 |
| Net charge-offs to loans | 0.0287% | 2,368 |
| Credit loss provision to net charge-offs | 311.1111% | 828 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 782 |
| Efficiency ratio | 73.4513% | 2,568 |
| Assets per employee ($millions) | 3.2801% | 5,157 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,746 |
| Loan loss allowance to noncurrent loans | 204.3909% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 4,190 |
| Noncurrent loans to loans | 0.5644% | 3,496 |
| Net loans and leases to total assets | 59.8311% | 3,799 |
| Net loans and leases to deposits | 66.8386% | 4,174 |
| Net loans and leases to core deposits | 84.4251% | 2,896 |
| Total domestic deposits to total assets | 89.5158% | 827 |
| Equity capital to assets | 10.0641% | 3,995 |
| Core capital (leverage) ratio | 10.7309% | 2,689 |
| Tier 1 risk-based capital ratio | 15.5962% | 2,862 |
| Total risk-based capital ratio | 16.6714% | 2,900 |
| Memoranda: | ||
| Average total assets | $200,021,000 | 2,987 |
| Average earning assets | $180,663,500 | 3,039 |
| Average equity | $20,594,000 | 3,139 |
| Average total loans | $125,576,500 | 3,001 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 1,985 |
| Cost of funding earning assets | 0.3592% | 3,594 |
| Net interest margin | 4.0162% | 1,665 |
| Noninterest income to average assets | 0.5886% | 2,780 |
| Noninterest expense to average assets | 3.4851% | 1,316 |
| Loan and lease loss provision to assets | 0.0708% | 2,862 |
| Net operating income to assets | 0.6395% | 4,089 |
| Return on assets (ROA) | 0.6642% | 4,065 |
| Pretax return on assets | 0.6647% | 4,633 |
| Return on Equity (ROE) | 6.8141% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.0422% | 3,144 |
| Net charge-offs to loans | 0.0794% | 2,681 |
| Credit loss provision to net charge-offs | 132.3529% | 1,978 |
| Earnings coverage of net charge-offs (x) | 13.2843% | 2,383 |
| Efficiency ratio | 83.0583% | 1,268 |
| Assets per employee ($millions) | 3.1704% | 5,324 |
| Cash dividends to net income (ytd only)* | 40.6793% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,869 |
| Loan loss allowance to noncurrent loans | 190.8847% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,049 |
| Noncurrent loans to loans | 0.5917% | 3,392 |
| Net loans and leases to total assets | 64.4519% | 3,205 |
| Net loans and leases to deposits | 72.2149% | 3,693 |
| Net loans and leases to core deposits | 86.5227% | 2,758 |
| Total domestic deposits to total assets | 89.2501% | 998 |
| Equity capital to assets | 10.5436% | 3,308 |
| Core capital (leverage) ratio | 10.8479% | 2,563 |
| Tier 1 risk-based capital ratio | 15.6683% | 2,853 |
| Total risk-based capital ratio | 16.7403% | 2,874 |
| Memoranda: | ||
| Average total assets | $190,609,800 | 3,042 |
| Average earning assets | $171,206,000 | 3,110 |
| Average equity | $18,579,200 | 3,306 |
| Average total loans | $128,409,000 | 2,909 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 1,964 |
| Cost of funding earning assets | 0.3552% | 3,693 |
| Net interest margin | 4.0310% | 1,606 |
| Noninterest income to average assets | 0.5652% | 2,951 |
| Noninterest expense to average assets | 5.6523% | 203 |
| Loan and lease loss provision to assets | 0.0667% | 2,848 |
| Net operating income to assets | -1.5375% | 6,214 |
| Return on assets (ROA) | -1.5045% | 6,214 |
| Pretax return on assets | -1.5038% | 6,210 |
| Return on Equity (ROE) | -15.7631% | 6,213 |
| Retained earnings to average equity (ytd only) | -19.5513% | 6,198 |
| Net charge-offs to loans | 0.0734% | 2,513 |
| Credit loss provision to net charge-offs | 133.8028% | 1,838 |
| Earnings coverage of net charge-offs (x) | -29.4943% | 4,162 |
| Efficiency ratio | 135.1519% | 61 |
| Assets per employee ($millions) | 3.2200% | 5,255 |
| Cash dividends to net income (ytd only)* | -24.0318% | 6,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 4,313 |
| Loan loss allowance to noncurrent loans | 221.4397% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 4,428 |
| Noncurrent loans to loans | 0.4899% | 3,882 |
| Net loans and leases to total assets | 67.9145% | 2,693 |
| Net loans and leases to deposits | 74.7212% | 3,453 |
| Net loans and leases to core deposits | 92.1587% | 2,245 |
| Total domestic deposits to total assets | 90.8906% | 277 |
| Equity capital to assets | 8.9441% | 5,360 |
| Core capital (leverage) ratio | 9.2467% | 4,669 |
| Tier 1 risk-based capital ratio | 12.7292% | 4,596 |
| Total risk-based capital ratio | 13.7641% | 4,647 |
| Memoranda: | ||
| Average total assets | $189,913,000 | 3,078 |
| Average earning assets | $170,408,250 | 3,142 |
| Average equity | $18,126,250 | 3,391 |
| Average total loans | $128,993,250 | 2,922 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 1,915 |
| Cost of funding earning assets | 0.3486% | 3,821 |
| Net interest margin | 4.0328% | 1,545 |
| Noninterest income to average assets | 0.4697% | 3,563 |
| Noninterest expense to average assets | 6.9935% | 149 |
| Loan and lease loss provision to assets | 0.0737% | 2,638 |
| Net operating income to assets | -2.9922% | 6,323 |
| Return on assets (ROA) | -2.9427% | 6,322 |
| Pretax return on assets | -2.9417% | 6,320 |
| Return on Equity (ROE) | -30.1983% | 6,316 |
| Retained earnings to average equity (ytd only) | -35.7646% | 6,310 |
| Net charge-offs to loans | 0.0669% | 2,427 |
| Credit loss provision to net charge-offs | 162.7907% | 1,452 |
| Earnings coverage of net charge-offs (x) | -64.4186% | 3,884 |
| Efficiency ratio | 171.5762% | 26 |
| Assets per employee ($millions) | 3.3628% | 5,051 |
| Cash dividends to net income (ytd only)* | -18.4324% | 6,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 4,311 |
| Loan loss allowance to noncurrent loans | 695.0980% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1083% | 5,426 |
| Noncurrent loans to loans | 0.1584% | 5,120 |
| Net loans and leases to total assets | 67.6393% | 2,694 |
| Net loans and leases to deposits | 74.0624% | 3,482 |
| Net loans and leases to core deposits | 88.2082% | 2,533 |
| Total domestic deposits to total assets | 91.3274% | 226 |
| Equity capital to assets | 8.4904% | 5,691 |
| Core capital (leverage) ratio | 8.9623% | 5,020 |
| Tier 1 risk-based capital ratio | 12.5038% | 4,802 |
| Total risk-based capital ratio | 13.5621% | 4,834 |
| Memoranda: | ||
| Average total assets | $189,890,670 | 3,098 |
| Average earning assets | $169,806,330 | 3,165 |
| Average equity | $18,504,330 | 3,359 |
| Average total loans | $128,511,330 | 2,937 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 1,579 |
| Cost of funding earning assets | 0.3453% | 3,924 |
| Net interest margin | 4.1173% | 1,235 |
| Noninterest income to average assets | 0.4867% | 3,381 |
| Noninterest expense to average assets | 2.7313% | 3,482 |
| Loan and lease loss provision to assets | 0.0315% | 3,263 |
| Net operating income to assets | 1.3741% | 1,078 |
| Return on assets (ROA) | 1.4726% | 960 |
| Pretax return on assets | 1.4747% | 1,645 |
| Return on Equity (ROE) | 14.2091% | 839 |
| Retained earnings to average equity (ytd only) | 3.7850% | 3,737 |
| Net charge-offs to loans | 0.0343% | 2,520 |
| Credit loss provision to net charge-offs | 136.3636% | 1,331 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 727 |
| Efficiency ratio | 65.9909% | 4,159 |
| Assets per employee ($millions) | 3.2001% | 5,418 |
| Cash dividends to net income (ytd only)* | 73.3618% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 4,562 |
| Loan loss allowance to noncurrent loans | 660.6635% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 5,510 |
| Noncurrent loans to loans | 0.1652% | 5,177 |
| Net loans and leases to total assets | 66.9216% | 2,621 |
| Net loans and leases to deposits | 75.2140% | 3,145 |
| Net loans and leases to core deposits | 87.2398% | 2,410 |
| Total domestic deposits to total assets | 88.9749% | 1,289 |
| Equity capital to assets | 10.5971% | 3,429 |
| Core capital (leverage) ratio | 10.6244% | 2,826 |
| Tier 1 risk-based capital ratio | 15.2625% | 3,285 |
| Total risk-based capital ratio | 16.3139% | 3,318 |
| Memoranda: | ||
| Average total assets | $190,677,000 | 3,113 |
| Average earning assets | $169,141,500 | 3,192 |
| Average equity | $19,762,000 | 3,256 |
| Average total loans | $128,369,500 | 2,940 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 2,234 |
| Cost of funding earning assets | 0.3632% | 4,105 |
| Net interest margin | 4.0341% | 1,790 |
| Noninterest income to average assets | 0.5648% | 3,091 |
| Noninterest expense to average assets | 2.5790% | 4,296 |
| Loan and lease loss provision to assets | 0.2340% | 1,031 |
| Net operating income to assets | 1.3377% | 1,213 |
| Return on assets (ROA) | 1.4231% | 1,063 |
| Pretax return on assets | 1.4304% | 1,783 |
| Return on Equity (ROE) | 14.4540% | 854 |
| Retained earnings to average equity (ytd only) | 5.0797% | 2,541 |
| Net charge-offs to loans | 0.3349% | 1,313 |
| Credit loss provision to net charge-offs | 106.2053% | 2,256 |
| Earnings coverage of net charge-offs (x) | 7.1623% | 3,078 |
| Efficiency ratio | 62.0367% | 4,911 |
| Assets per employee ($millions) | 3.4384% | 4,995 |
| Cash dividends to net income (ytd only)* | 64.8559% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,647 |
| Loan loss allowance to noncurrent loans | 447.2669% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 5,379 |
| Noncurrent loans to loans | 0.2411% | 4,966 |
| Net loans and leases to total assets | 66.2702% | 2,844 |
| Net loans and leases to deposits | 73.9812% | 3,440 |
| Net loans and leases to core deposits | 87.0160% | 2,606 |
| Total domestic deposits to total assets | 89.5771% | 934 |
| Equity capital to assets | 10.1357% | 3,941 |
| Core capital (leverage) ratio | 10.4136% | 3,046 |
| Tier 1 risk-based capital ratio | 15.0034% | 3,486 |
| Total risk-based capital ratio | 16.0437% | 3,539 |
| Memoranda: | ||
| Average total assets | $190,151,600 | 3,100 |
| Average earning assets | $169,332,400 | 3,168 |
| Average equity | $18,721,400 | 3,321 |
| Average total loans | $125,116,000 | 2,954 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 2,260 |
| Cost of funding earning assets | 0.3620% | 4,218 |
| Net interest margin | 4.0265% | 1,799 |
| Noninterest income to average assets | 0.5683% | 3,076 |
| Noninterest expense to average assets | 2.6441% | 4,036 |
| Loan and lease loss provision to assets | 0.1407% | 1,775 |
| Net operating income to assets | 1.3660% | 1,210 |
| Return on assets (ROA) | 1.4785% | 1,009 |
| Pretax return on assets | 1.4799% | 1,713 |
| Return on Equity (ROE) | 15.1306% | 798 |
| Retained earnings to average equity (ytd only) | 4.5133% | 3,439 |
| Net charge-offs to loans | 0.2663% | 1,469 |
| Credit loss provision to net charge-offs | 80.6452% | 2,582 |
| Earnings coverage of net charge-offs (x) | 8.6451% | 2,767 |
| Efficiency ratio | 63.6795% | 4,604 |
| Assets per employee ($millions) | 3.4212% | 5,013 |
| Cash dividends to net income (ytd only)* | 70.1713% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 5,229 |
| Loan loss allowance to noncurrent loans | 172.1569% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 4,720 |
| Noncurrent loans to loans | 0.5800% | 4,183 |
| Net loans and leases to total assets | 68.1537% | 2,509 |
| Net loans and leases to deposits | 78.1556% | 2,936 |
| Net loans and leases to core deposits | 91.5505% | 2,071 |
| Total domestic deposits to total assets | 87.2026% | 2,195 |
| Equity capital to assets | 10.0237% | 4,136 |
| Core capital (leverage) ratio | 10.3468% | 3,218 |
| Tier 1 risk-based capital ratio | 14.5326% | 3,868 |
| Total risk-based capital ratio | 15.5022% | 3,975 |
| Memoranda: | ||
| Average total assets | $189,552,500 | 3,132 |
| Average earning assets | $168,711,000 | 3,199 |
| Average equity | $18,522,750 | 3,362 |
| Average total loans | $124,146,750 | 2,990 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 2,396 |
| Cost of funding earning assets | 0.3620% | 4,300 |
| Net interest margin | 3.9845% | 1,859 |
| Noninterest income to average assets | 0.5835% | 2,903 |
| Noninterest expense to average assets | 2.6568% | 4,028 |
| Loan and lease loss provision to assets | 0.1271% | 1,945 |
| Net operating income to assets | 1.3406% | 1,202 |
| Return on assets (ROA) | 1.3829% | 1,145 |
| Pretax return on assets | 1.3850% | 1,952 |
| Return on Equity (ROE) | 14.2766% | 906 |
| Retained earnings to average equity (ytd only) | 3.6183% | 3,884 |
| Net charge-offs to loans | 0.1826% | 1,932 |
| Credit loss provision to net charge-offs | 108.1081% | 1,852 |
| Earnings coverage of net charge-offs (x) | 12.5045% | 2,054 |
| Efficiency ratio | 64.3829% | 4,633 |
| Assets per employee ($millions) | 3.4796% | 4,888 |
| Cash dividends to net income (ytd only)* | 74.6554% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,715 |
| Loan loss allowance to noncurrent loans | 153.2887% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 4,618 |
| Noncurrent loans to loans | 0.7432% | 3,842 |
| Net loans and leases to total assets | 61.2359% | 3,534 |
| Net loans and leases to deposits | 68.1378% | 4,036 |
| Net loans and leases to core deposits | 79.6262% | 3,254 |
| Total domestic deposits to total assets | 89.8706% | 868 |
| Equity capital to assets | 9.6906% | 4,505 |
| Core capital (leverage) ratio | 9.9963% | 3,614 |
| Tier 1 risk-based capital ratio | 15.2595% | 3,491 |
| Total risk-based capital ratio | 16.3387% | 3,529 |
| Memoranda: | ||
| Average total assets | $188,874,670 | 3,164 |
| Average earning assets | $167,949,000 | 3,220 |
| Average equity | $18,295,670 | 3,390 |
| Average total loans | $121,565,670 | 3,035 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,886 |
| Cost of funding earning assets | 0.3674% | 4,351 |
| Net interest margin | 4.1069% | 1,440 |
| Noninterest income to average assets | 0.6197% | 2,617 |
| Noninterest expense to average assets | 2.6361% | 4,163 |
| Loan and lease loss provision to assets | 0.0968% | 2,312 |
| Net operating income to assets | 1.5192% | 782 |
| Return on assets (ROA) | 1.5192% | 819 |
| Pretax return on assets | 1.5192% | 1,376 |
| Return on Equity (ROE) | 15.6871% | 681 |
| Retained earnings to average equity (ytd only) | 5.1328% | 3,034 |
| Net charge-offs to loans | 0.0557% | 2,604 |
| Credit loss provision to net charge-offs | 264.7059% | 872 |
| Earnings coverage of net charge-offs (x) | 44.1765% | 826 |
| Efficiency ratio | 61.9939% | 5,121 |
| Assets per employee ($millions) | 3.2749% | 5,395 |
| Cash dividends to net income (ytd only)* | 67.2805% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 4,974 |
| Loan loss allowance to noncurrent loans | 278.2435% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 5,370 |
| Noncurrent loans to loans | 0.4067% | 4,915 |
| Net loans and leases to total assets | 65.2510% | 2,685 |
| Net loans and leases to deposits | 72.7223% | 3,245 |
| Net loans and leases to core deposits | 85.4717% | 2,370 |
| Total domestic deposits to total assets | 89.7263% | 1,227 |
| Equity capital to assets | 9.8468% | 4,037 |
| Core capital (leverage) ratio | 10.3741% | 3,087 |
| Tier 1 risk-based capital ratio | 15.0558% | 3,686 |
| Total risk-based capital ratio | 16.1410% | 3,726 |
| Memoranda: | ||
| Average total assets | $185,883,000 | 3,221 |
| Average earning assets | $164,405,500 | 3,288 |
| Average equity | $18,002,000 | 3,429 |
| Average total loans | $121,999,500 | 3,032 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 2,483 |
| Cost of funding earning assets | 0.3713% | 4,933 |
| Net interest margin | 4.0550% | 1,783 |
| Noninterest income to average assets | 0.7082% | 2,496 |
| Noninterest expense to average assets | 2.5999% | 4,461 |
| Loan and lease loss provision to assets | 0.0799% | 3,511 |
| Net operating income to assets | 1.6235% | 659 |
| Return on assets (ROA) | 1.6857% | 607 |
| Pretax return on assets | 1.6868% | 983 |
| Return on Equity (ROE) | 16.1918% | 600 |
| Retained earnings to average equity (ytd only) | 4.0255% | 3,324 |
| Net charge-offs to loans | 0.0863% | 4,003 |
| Credit loss provision to net charge-offs | 142.1569% | 1,641 |
| Earnings coverage of net charge-offs (x) | 30.3431% | 1,178 |
| Efficiency ratio | 60.4017% | 5,416 |
| Assets per employee ($millions) | 3.3053% | 5,280 |
| Cash dividends to net income (ytd only)* | 75.1388% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,998 |
| Loan loss allowance to noncurrent loans | 296.0954% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 5,388 |
| Noncurrent loans to loans | 0.3816% | 5,050 |
| Net loans and leases to total assets | 64.5265% | 2,949 |
| Net loans and leases to deposits | 71.7480% | 3,557 |
| Net loans and leases to core deposits | 82.4903% | 2,840 |
| Total domestic deposits to total assets | 89.9350% | 1,108 |
| Equity capital to assets | 9.5210% | 4,398 |
| Core capital (leverage) ratio | 10.3853% | 3,041 |
| Tier 1 risk-based capital ratio | 14.8367% | 3,761 |
| Total risk-based capital ratio | 15.8965% | 3,814 |
| Memoranda: | ||
| Average total assets | $181,584,200 | 3,259 |
| Average earning assets | $161,036,400 | 3,323 |
| Average equity | $18,904,600 | 3,291 |
| Average total loans | $118,245,400 | 3,070 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 2,596 |
| Cost of funding earning assets | 0.3703% | 5,094 |
| Net interest margin | 4.0305% | 1,843 |
| Noninterest income to average assets | 0.6198% | 3,040 |
| Noninterest expense to average assets | 2.5706% | 4,490 |
| Loan and lease loss provision to assets | 0.0996% | 3,099 |
| Net operating income to assets | 1.5303% | 849 |
| Return on assets (ROA) | 1.6136% | 773 |
| Pretax return on assets | 1.6151% | 1,307 |
| Return on Equity (ROE) | 15.1674% | 776 |
| Retained earnings to average equity (ytd only) | 3.2041% | 4,396 |
| Net charge-offs to loans | 0.0794% | 3,815 |
| Credit loss provision to net charge-offs | 192.8571% | 1,250 |
| Earnings coverage of net charge-offs (x) | 31.5861% | 1,196 |
| Efficiency ratio | 61.1765% | 5,246 |
| Assets per employee ($millions) | 3.3224% | 5,242 |
| Cash dividends to net income (ytd only)* | 78.8750% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,247 |
| Loan loss allowance to noncurrent loans | 290.9853% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,431 |
| Noncurrent loans to loans | 0.3855% | 5,236 |
| Net loans and leases to total assets | 68.1952% | 2,262 |
| Net loans and leases to deposits | 77.2176% | 2,793 |
| Net loans and leases to core deposits | 88.3195% | 2,153 |
| Total domestic deposits to total assets | 88.3156% | 1,933 |
| Equity capital to assets | 10.2698% | 3,548 |
| Core capital (leverage) ratio | 11.0714% | 2,412 |
| Tier 1 risk-based capital ratio | 15.1980% | 3,630 |
| Total risk-based capital ratio | 16.2628% | 3,696 |
| Memoranda: | ||
| Average total assets | $180,706,250 | 3,290 |
| Average earning assets | $160,605,750 | 3,360 |
| Average equity | $19,225,000 | 3,285 |
| Average total loans | $117,606,500 | 3,108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 2,865 |
| Cost of funding earning assets | 0.3680% | 5,245 |
| Net interest margin | 3.9535% | 2,031 |
| Noninterest income to average assets | 0.6305% | 3,015 |
| Noninterest expense to average assets | 2.5329% | 4,615 |
| Loan and lease loss provision to assets | 0.0883% | 3,312 |
| Net operating income to assets | 1.5303% | 851 |
| Return on assets (ROA) | 1.6551% | 747 |
| Pretax return on assets | 1.6573% | 1,222 |
| Return on Equity (ROE) | 15.3809% | 750 |
| Retained earnings to average equity (ytd only) | 3.5810% | 4,039 |
| Net charge-offs to loans | 0.0415% | 4,096 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 61.1667% | 689 |
| Efficiency ratio | 60.9782% | 5,336 |
| Assets per employee ($millions) | 3.4515% | 4,955 |
| Cash dividends to net income (ytd only)* | 76.7178% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,104 |
| Loan loss allowance to noncurrent loans | 392.5926% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 5,642 |
| Noncurrent loans to loans | 0.3003% | 5,555 |
| Net loans and leases to total assets | 64.3535% | 2,861 |
| Net loans and leases to deposits | 72.1588% | 3,425 |
| Net loans and leases to core deposits | 82.9933% | 2,696 |
| Total domestic deposits to total assets | 89.1831% | 1,517 |
| Equity capital to assets | 10.2307% | 3,624 |
| Core capital (leverage) ratio | 10.8306% | 2,525 |
| Tier 1 risk-based capital ratio | 15.8201% | 3,305 |
| Total risk-based capital ratio | 16.9267% | 3,328 |
| Memoranda: | ||
| Average total assets | $181,138,330 | 3,299 |
| Average earning assets | $161,425,670 | 3,371 |
| Average equity | $19,491,670 | 3,261 |
| Average total loans | $115,563,000 | 3,155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,812 |
| Cost of funding earning assets | 0.3647% | 5,418 |
| Net interest margin | 3.9547% | 1,937 |
| Noninterest income to average assets | 0.6639% | 2,797 |
| Noninterest expense to average assets | 2.4378% | 4,987 |
| Loan and lease loss provision to assets | 0.1319% | 2,590 |
| Net operating income to assets | 1.6245% | 674 |
| Return on assets (ROA) | 1.8069% | 530 |
| Pretax return on assets | 1.8047% | 877 |
| Return on Equity (ROE) | 16.3937% | 566 |
| Retained earnings to average equity (ytd only) | 4.9261% | 3,280 |
| Net charge-offs to loans | 0.1149% | 2,738 |
| Credit loss provision to net charge-offs | 181.8182% | 1,177 |
| Earnings coverage of net charge-offs (x) | 24.1818% | 1,088 |
| Efficiency ratio | 58.1542% | 5,832 |
| Assets per employee ($millions) | 3.5990% | 4,783 |
| Cash dividends to net income (ytd only)* | 69.9513% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,228 |
| Loan loss allowance to noncurrent loans | 301.7897% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 5,728 |
| Noncurrent loans to loans | 0.3940% | 5,432 |
| Net loans and leases to total assets | 59.8953% | 3,445 |
| Net loans and leases to deposits | 67.4570% | 3,844 |
| Net loans and leases to core deposits | 77.1370% | 3,189 |
| Total domestic deposits to total assets | 88.7903% | 1,806 |
| Equity capital to assets | 10.6241% | 3,404 |
| Core capital (leverage) ratio | 10.8754% | 2,372 |
| Tier 1 risk-based capital ratio | 16.0838% | 3,215 |
| Total risk-based capital ratio | 17.1910% | 3,266 |
| Memoranda: | ||
| Average total assets | $181,968,000 | 3,324 |
| Average earning assets | $162,339,500 | 3,397 |
| Average equity | $20,056,500 | 3,243 |
| Average total loans | $114,905,000 | 3,184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 2,822 |
| Cost of funding earning assets | 0.4900% | 5,288 |
| Net interest margin | 4.1550% | 1,798 |
| Noninterest income to average assets | 0.6382% | 3,062 |
| Noninterest expense to average assets | 2.5832% | 4,799 |
| Loan and lease loss provision to assets | 0.0803% | 4,697 |
| Net operating income to assets | 1.7240% | 588 |
| Return on assets (ROA) | 1.7667% | 607 |
| Pretax return on assets | 1.7428% | 1,036 |
| Return on Equity (ROE) | 16.1168% | 644 |
| Retained earnings to average equity (ytd only) | 5.0994% | 2,643 |
| Net charge-offs to loans | 0.1118% | 4,552 |
| Credit loss provision to net charge-offs | 108.2090% | 2,726 |
| Earnings coverage of net charge-offs (x) | 23.9851% | 1,195 |
| Efficiency ratio | 59.1977% | 5,665 |
| Assets per employee ($millions) | 3.4664% | 5,081 |
| Cash dividends to net income (ytd only)* | 68.3600% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 5,399 |
| Loan loss allowance to noncurrent loans | 247.2897% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 5,642 |
| Noncurrent loans to loans | 0.4598% | 5,362 |
| Net loans and leases to total assets | 65.0753% | 2,704 |
| Net loans and leases to deposits | 74.0295% | 3,081 |
| Net loans and leases to core deposits | 85.1434% | 2,410 |
| Total domestic deposits to total assets | 87.9046% | 2,291 |
| Equity capital to assets | 11.4432% | 2,500 |
| Core capital (leverage) ratio | 11.1128% | 2,157 |
| Tier 1 risk-based capital ratio | 15.7710% | 3,280 |
| Total risk-based capital ratio | 16.8494% | 3,332 |
| Memoranda: | ||
| Average total assets | $180,509,400 | 3,305 |
| Average earning assets | $161,853,200 | 3,352 |
| Average equity | $19,786,800 | 3,220 |
| Average total loans | $119,856,000 | 3,076 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 3,070 |
| Cost of funding earning assets | 0.5094% | 5,381 |
| Net interest margin | 4.1274% | 1,991 |
| Noninterest income to average assets | 0.6393% | 3,048 |
| Noninterest expense to average assets | 2.5404% | 4,957 |
| Loan and lease loss provision to assets | 0.0808% | 4,622 |
| Net operating income to assets | 1.7335% | 647 |
| Return on assets (ROA) | 1.7886% | 651 |
| Pretax return on assets | 1.7886% | 1,077 |
| Return on Equity (ROE) | 16.4934% | 671 |
| Retained earnings to average equity (ytd only) | 5.4143% | 3,090 |
| Net charge-offs to loans | 0.1270% | 4,109 |
| Credit loss provision to net charge-offs | 95.6522% | 3,122 |
| Earnings coverage of net charge-offs (x) | 21.4695% | 1,405 |
| Efficiency ratio | 58.3361% | 5,741 |
| Assets per employee ($millions) | 3.2538% | 5,531 |
| Cash dividends to net income (ytd only)* | 67.1736% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,912 |
| Loan loss allowance to noncurrent loans | 279.0598% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 5,904 |
| Noncurrent loans to loans | 0.3743% | 5,729 |
| Net loans and leases to total assets | 70.4089% | 1,826 |
| Net loans and leases to deposits | 80.4176% | 2,328 |
| Net loans and leases to core deposits | 92.2955% | 1,753 |
| Total domestic deposits to total assets | 87.5541% | 2,315 |
| Equity capital to assets | 11.4516% | 2,800 |
| Core capital (leverage) ratio | 10.6194% | 2,778 |
| Tier 1 risk-based capital ratio | 14.8155% | 3,966 |
| Total risk-based capital ratio | 15.8273% | 4,100 |
| Memoranda: | ||
| Average total assets | $181,440,250 | 3,323 |
| Average earning assets | $163,326,000 | 3,359 |
| Average equity | $19,676,000 | 3,269 |
| Average total loans | $120,728,250 | 3,101 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 3,695 |
| Cost of funding earning assets | 0.5199% | 5,483 |
| Net interest margin | 3.9987% | 2,510 |
| Noninterest income to average assets | 0.6261% | 3,095 |
| Noninterest expense to average assets | 2.5656% | 4,902 |
| Loan and lease loss provision to assets | 0.1091% | 4,159 |
| Net operating income to assets | 1.5588% | 899 |
| Return on assets (ROA) | 1.5588% | 1,004 |
| Pretax return on assets | 1.5588% | 1,675 |
| Return on Equity (ROE) | 14.6356% | 995 |
| Retained earnings to average equity (ytd only) | 3.4720% | 4,286 |
| Net charge-offs to loans | 0.1827% | 3,498 |
| Credit loss provision to net charge-offs | 91.7431% | 2,984 |
| Earnings coverage of net charge-offs (x) | 14.0275% | 1,740 |
| Efficiency ratio | 60.6029% | 5,485 |
| Assets per employee ($millions) | 3.4669% | 5,054 |
| Cash dividends to net income (ytd only)* | 76.2771% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,848 |
| Loan loss allowance to noncurrent loans | 269.5652% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,972 |
| Noncurrent loans to loans | 0.4023% | 5,730 |
| Net loans and leases to total assets | 65.8797% | 2,693 |
| Net loans and leases to deposits | 77.4118% | 2,768 |
| Net loans and leases to core deposits | 88.8508% | 2,116 |
| Total domestic deposits to total assets | 85.1029% | 3,810 |
| Equity capital to assets | 10.8999% | 3,226 |
| Core capital (leverage) ratio | 10.4655% | 2,839 |
| Tier 1 risk-based capital ratio | 14.8844% | 3,844 |
| Total risk-based capital ratio | 15.9219% | 3,945 |
| Memoranda: | ||
| Average total assets | $183,352,000 | 3,309 |
| Average earning assets | $165,404,330 | 3,339 |
| Average equity | $19,527,670 | 3,281 |
| Average total loans | $119,298,330 | 3,148 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 3,337 |
| Cost of funding earning assets | 0.5377% | 5,564 |
| Net interest margin | 4.0982% | 2,092 |
| Noninterest income to average assets | 0.6036% | 3,212 |
| Noninterest expense to average assets | 2.7216% | 4,347 |
| Loan and lease loss provision to assets | 0.0649% | 4,611 |
| Net operating income to assets | 1.5274% | 978 |
| Return on assets (ROA) | 1.5274% | 1,099 |
| Pretax return on assets | 1.5274% | 1,805 |
| Return on Equity (ROE) | 14.5070% | 1,076 |
| Retained earnings to average equity (ytd only) | 3.3082% | 4,582 |
| Net charge-offs to loans | 0.0740% | 3,759 |
| Credit loss provision to net charge-offs | 136.3636% | 1,800 |
| Earnings coverage of net charge-offs (x) | 33.4545% | 850 |
| Efficiency ratio | 63.0893% | 5,087 |
| Assets per employee ($millions) | 3.5866% | 4,918 |
| Cash dividends to net income (ytd only)* | 77.1955% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 5,789 |
| Loan loss allowance to noncurrent loans | 260.6719% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 6,077 |
| Noncurrent loans to loans | 0.4345% | 5,800 |
| Net loans and leases to total assets | 62.9499% | 3,054 |
| Net loans and leases to deposits | 70.9985% | 3,589 |
| Net loans and leases to core deposits | 81.5049% | 2,895 |
| Total domestic deposits to total assets | 88.6637% | 1,908 |
| Equity capital to assets | 10.6885% | 3,283 |
| Core capital (leverage) ratio | 10.2823% | 3,015 |
| Tier 1 risk-based capital ratio | 15.3137% | 3,552 |
| Total risk-based capital ratio | 16.4072% | 3,609 |
| Memoranda: | ||
| Average total assets | $184,889,500 | 3,299 |
| Average earning assets | $167,391,500 | 3,326 |
| Average equity | $19,466,500 | 3,293 |
| Average total loans | $118,913,500 | 3,176 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 4,280 |
| Cost of funding earning assets | 0.7079% | 5,490 |
| Net interest margin | 3.9839% | 2,967 |
| Noninterest income to average assets | 0.5584% | 3,444 |
| Noninterest expense to average assets | 2.5196% | 5,404 |
| Loan and lease loss provision to assets | 0.0569% | 5,887 |
| Net operating income to assets | 1.4460% | 932 |
| Return on assets (ROA) | 1.4596% | 984 |
| Pretax return on assets | 1.6456% | 1,107 |
| Return on Equity (ROE) | 13.9596% | 940 |
| Retained earnings to average equity (ytd only) | 5.6665% | 2,195 |
| Net charge-offs to loans | 0.0320% | 6,001 |
| Credit loss provision to net charge-offs | 270.2703% | 887 |
| Earnings coverage of net charge-offs (x) | 80.1892% | 370 |
| Efficiency ratio | 59.8946% | 5,776 |
| Assets per employee ($millions) | 3.5257% | 4,951 |
| Cash dividends to net income (ytd only)* | 59.4079% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,883 |
| Loan loss allowance to noncurrent loans | 288.1319% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 6,241 |
| Noncurrent loans to loans | 0.3749% | 5,966 |
| Net loans and leases to total assets | 64.2458% | 3,133 |
| Net loans and leases to deposits | 72.1521% | 3,769 |
| Net loans and leases to core deposits | 82.4815% | 3,111 |
| Total domestic deposits to total assets | 89.0422% | 1,513 |
| Equity capital to assets | 10.3724% | 3,687 |
| Core capital (leverage) ratio | 10.2206% | 3,064 |
| Tier 1 risk-based capital ratio | 14.5298% | 3,953 |
| Total risk-based capital ratio | 15.5685% | 4,059 |
| Memoranda: | ||
| Average total assets | $175,864,200 | 3,397 |
| Average earning assets | $161,046,600 | 3,383 |
| Average equity | $18,388,800 | 3,374 |
| Average total loans | $115,664,600 | 3,262 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 4,226 |
| Cost of funding earning assets | 0.7364% | 5,554 |
| Net interest margin | 4.0137% | 2,854 |
| Noninterest income to average assets | 0.6154% | 3,079 |
| Noninterest expense to average assets | 2.7311% | 4,606 |
| Loan and lease loss provision to assets | 0.0732% | 5,538 |
| Net operating income to assets | 1.2593% | 1,488 |
| Return on assets (ROA) | 1.2916% | 1,496 |
| Pretax return on assets | 1.5311% | 1,575 |
| Return on Equity (ROE) | 12.3257% | 1,457 |
| Retained earnings to average equity (ytd only) | 5.3433% | 2,953 |
| Net charge-offs to loans | 0.0420% | 5,564 |
| Credit loss provision to net charge-offs | 263.8889% | 1,079 |
| Earnings coverage of net charge-offs (x) | 56.4708% | 582 |
| Efficiency ratio | 63.5598% | 5,144 |
| Assets per employee ($millions) | 3.6094% | 4,740 |
| Cash dividends to net income (ytd only)* | 56.6491% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 6,095 |
| Loan loss allowance to noncurrent loans | 275.1579% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 6,215 |
| Noncurrent loans to loans | 0.3771% | 6,098 |
| Net loans and leases to total assets | 67.7226% | 2,532 |
| Net loans and leases to deposits | 81.0379% | 2,518 |
| Net loans and leases to core deposits | 94.0917% | 1,787 |
| Total domestic deposits to total assets | 83.5690% | 4,448 |
| Equity capital to assets | 10.4124% | 3,815 |
| Core capital (leverage) ratio | 10.2617% | 3,120 |
| Tier 1 risk-based capital ratio | 13.8709% | 4,434 |
| Total risk-based capital ratio | 14.8767% | 4,602 |
| Memoranda: | ||
| Average total assets | $173,114,750 | 3,461 |
| Average earning assets | $158,786,500 | 3,453 |
| Average equity | $18,140,500 | 3,412 |
| Average total loans | $114,240,250 | 3,318 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 4,398 |
| Cost of funding earning assets | 0.7592% | 5,629 |
| Net interest margin | 3.9705% | 2,990 |
| Noninterest income to average assets | 0.6302% | 2,947 |
| Noninterest expense to average assets | 2.8219% | 4,339 |
| Loan and lease loss provision to assets | 0.0826% | 5,276 |
| Net operating income to assets | 0.9973% | 2,238 |
| Return on assets (ROA) | 1.0292% | 2,203 |
| Pretax return on assets | 1.4174% | 1,761 |
| Return on Equity (ROE) | 9.7987% | 2,189 |
| Retained earnings to average equity (ytd only) | 1.9328% | 5,014 |
| Net charge-offs to loans | 0.0725% | 4,921 |
| Credit loss provision to net charge-offs | 175.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 30.8500% | 901 |
| Efficiency ratio | 65.9586% | 4,883 |
| Assets per employee ($millions) | 3.3730% | 5,273 |
| Cash dividends to net income (ytd only)* | 80.2752% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,880 |
| Loan loss allowance to noncurrent loans | 398.1308% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 6,450 |
| Noncurrent loans to loans | 0.2811% | 6,361 |
| Net loans and leases to total assets | 64.3675% | 3,386 |
| Net loans and leases to deposits | 72.3408% | 4,063 |
| Net loans and leases to core deposits | 83.7671% | 3,246 |
| Total domestic deposits to total assets | 88.9781% | 1,540 |
| Equity capital to assets | 10.4791% | 3,533 |
| Core capital (leverage) ratio | 10.5050% | 2,710 |
| Tier 1 risk-based capital ratio | 14.6460% | 3,700 |
| Total risk-based capital ratio | 15.7174% | 3,782 |
| Memoranda: | ||
| Average total assets | $169,460,000 | 3,548 |
| Average earning assets | $155,697,330 | 3,530 |
| Average equity | $17,798,330 | 3,454 |
| Average total loans | $110,330,330 | 3,445 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 4,410 |
| Cost of funding earning assets | 0.7806% | 5,668 |
| Net interest margin | 3.9422% | 2,944 |
| Noninterest income to average assets | 0.6775% | 2,688 |
| Noninterest expense to average assets | 2.8037% | 4,421 |
| Loan and lease loss provision to assets | 0.0841% | 4,945 |
| Net operating income to assets | 0.6470% | 3,765 |
| Return on assets (ROA) | 0.7039% | 3,574 |
| Pretax return on assets | 1.4944% | 1,464 |
| Return on Equity (ROE) | 6.6943% | 3,536 |
| Retained earnings to average equity (ytd only) | -2.4447% | 6,213 |
| Net charge-offs to loans | 0.0701% | 4,230 |
| Credit loss provision to net charge-offs | 184.2105% | 1,594 |
| Earnings coverage of net charge-offs (x) | 32.6316% | 787 |
| Efficiency ratio | 65.3050% | 5,151 |
| Assets per employee ($millions) | 3.2596% | 5,577 |
| Cash dividends to net income (ytd only)* | 136.5188% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,833 |
| Loan loss allowance to noncurrent loans | 378.7425% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 6,436 |
| Noncurrent loans to loans | 0.3045% | 6,377 |
| Net loans and leases to total assets | 65.2310% | 3,191 |
| Net loans and leases to deposits | 73.4131% | 3,858 |
| Net loans and leases to core deposits | 85.3596% | 2,981 |
| Total domestic deposits to total assets | 88.8547% | 1,866 |
| Equity capital to assets | 10.5576% | 3,119 |
| Core capital (leverage) ratio | 10.3099% | 2,796 |
| Tier 1 risk-based capital ratio | 14.9967% | 3,423 |
| Total risk-based capital ratio | 16.1002% | 3,469 |
| Memoranda: | ||
| Average total assets | $166,492,000 | 3,613 |
| Average earning assets | $152,708,500 | 3,596 |
| Average equity | $17,507,500 | 3,488 |
| Average total loans | $108,407,500 | 3,529 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 4,825 |
| Cost of funding earning assets | 0.9456% | 5,955 |
| Net interest margin | 3.9966% | 3,034 |
| Noninterest income to average assets | 0.8042% | 2,261 |
| Noninterest expense to average assets | 2.6487% | 5,224 |
| Loan and lease loss provision to assets | 0.2466% | 4,820 |
| Net operating income to assets | 1.0681% | 1,813 |
| Return on assets (ROA) | 1.0996% | 1,785 |
| Pretax return on assets | 1.5747% | 1,190 |
| Return on Equity (ROE) | 9.9370% | 1,953 |
| Retained earnings to average equity (ytd only) | -0.0959% | 5,617 |
| Net charge-offs to loans | 0.2004% | 5,088 |
| Credit loss provision to net charge-offs | 190.8213% | 1,688 |
| Earnings coverage of net charge-offs (x) | 13.7440% | 1,392 |
| Efficiency ratio | 59.8561% | 6,069 |
| Assets per employee ($millions) | 3.2066% | 5,652 |
| Cash dividends to net income (ytd only)* | 100.9654% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 5,660 |
| Loan loss allowance to noncurrent loans | 273.9035% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 6,047 |
| Noncurrent loans to loans | 0.4257% | 6,195 |
| Net loans and leases to total assets | 63.4871% | 3,970 |
| Net loans and leases to deposits | 71.3075% | 4,637 |
| Net loans and leases to core deposits | 84.3380% | 3,548 |
| Total domestic deposits to total assets | 89.0329% | 1,646 |
| Equity capital to assets | 10.4735% | 3,179 |
| Core capital (leverage) ratio | 10.4816% | 2,581 |
| Tier 1 risk-based capital ratio | 15.1503% | 3,172 |
| Total risk-based capital ratio | 16.2442% | 3,205 |
| Memoranda: | ||
| Average total assets | $160,153,800 | 3,694 |
| Average earning assets | $145,098,000 | 3,725 |
| Average equity | $17,721,600 | 3,469 |
| Average total loans | $103,277,800 | 3,701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 4,763 |
| Cost of funding earning assets | 0.9619% | 6,126 |
| Net interest margin | 4.0488% | 2,863 |
| Noninterest income to average assets | 0.8168% | 2,145 |
| Noninterest expense to average assets | 2.8978% | 4,097 |
| Loan and lease loss provision to assets | 0.2557% | 4,537 |
| Net operating income to assets | 0.8689% | 2,746 |
| Return on assets (ROA) | 0.8900% | 2,792 |
| Pretax return on assets | 1.3526% | 2,027 |
| Return on Equity (ROE) | 7.9311% | 2,941 |
| Retained earnings to average equity (ytd only) | -2.5638% | 6,295 |
| Net charge-offs to loans | 0.0899% | 5,627 |
| Credit loss provision to net charge-offs | 440.5797% | 685 |
| Earnings coverage of net charge-offs (x) | 27.1587% | 940 |
| Efficiency ratio | 64.7678% | 5,094 |
| Assets per employee ($millions) | 3.1098% | 5,903 |
| Cash dividends to net income (ytd only)* | 132.3253% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 5,712 |
| Loan loss allowance to noncurrent loans | 197.8626% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 6,177 |
| Noncurrent loans to loans | 0.5812% | 6,050 |
| Net loans and leases to total assets | 67.5950% | 3,311 |
| Net loans and leases to deposits | 76.4545% | 4,091 |
| Net loans and leases to core deposits | 89.2649% | 3,204 |
| Total domestic deposits to total assets | 88.4120% | 1,722 |
| Equity capital to assets | 10.7270% | 3,258 |
| Core capital (leverage) ratio | 10.6372% | 2,559 |
| Tier 1 risk-based capital ratio | 14.2915% | 3,638 |
| Total risk-based capital ratio | 15.3827% | 3,711 |
| Memoranda: | ||
| Average total assets | $158,506,250 | 3,786 |
| Average earning assets | $143,181,750 | 3,812 |
| Average equity | $17,786,000 | 3,509 |
| Average total loans | $102,319,750 | 3,788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 4,864 |
| Cost of funding earning assets | 0.9317% | 6,458 |
| Net interest margin | 4.0856% | 2,625 |
| Noninterest income to average assets | 0.8274% | 1,984 |
| Noninterest expense to average assets | 2.9462% | 3,909 |
| Loan and lease loss provision to assets | 0.2724% | 4,210 |
| Net operating income to assets | 0.8332% | 2,810 |
| Return on assets (ROA) | 0.8504% | 2,881 |
| Pretax return on assets | 1.3363% | 1,985 |
| Return on Equity (ROE) | 7.4630% | 3,126 |
| Retained earnings to average equity (ytd only) | 5.2185% | 2,763 |
| Net charge-offs to loans | 0.0202% | 6,059 |
| Credit loss provision to net charge-offs | 2,130.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 123.7000% | 273 |
| Efficiency ratio | 65.0664% | 5,138 |
| Assets per employee ($millions) | 3.0453% | 6,045 |
| Cash dividends to net income (ytd only)* | 30.0752% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 5,395 |
| Loan loss allowance to noncurrent loans | 571.4932% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 6,771 |
| Noncurrent loans to loans | 0.2118% | 6,829 |
| Net loans and leases to total assets | 66.3696% | 3,754 |
| Net loans and leases to deposits | 76.1795% | 4,301 |
| Net loans and leases to core deposits | 87.7979% | 3,572 |
| Total domestic deposits to total assets | 87.1227% | 2,473 |
| Equity capital to assets | 11.9167% | 2,148 |
| Core capital (leverage) ratio | 12.1399% | 1,570 |
| Tier 1 risk-based capital ratio | 16.0573% | 2,646 |
| Total risk-based capital ratio | 17.1978% | 2,659 |
| Memoranda: | ||
| Average total assets | $156,402,670 | 3,851 |
| Average earning assets | $141,670,000 | 3,872 |
| Average equity | $17,821,330 | 3,490 |
| Average total loans | $98,858,330 | 3,935 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8740% | 5,592 |
| Cost of funding earning assets | 0.9079% | 6,742 |
| Net interest margin | 3.9661% | 3,020 |
| Noninterest income to average assets | 0.8767% | 1,714 |
| Noninterest expense to average assets | 2.9003% | 4,060 |
| Loan and lease loss provision to assets | 0.2625% | 3,939 |
| Net operating income to assets | 0.8862% | 2,608 |
| Return on assets (ROA) | 0.9226% | 2,527 |
| Pretax return on assets | 1.3635% | 1,869 |
| Return on Equity (ROE) | 8.2847% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.2847% | 1,596 |
| Net charge-offs to loans | 0.1040% | 4,379 |
| Credit loss provision to net charge-offs | 412.0000% | 1,002 |
| Earnings coverage of net charge-offs (x) | 24.6800% | 1,008 |
| Efficiency ratio | 64.8433% | 5,336 |
| Assets per employee ($millions) | 2.9553% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 5,639 |
| Loan loss allowance to noncurrent loans | 199.4746% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 6,275 |
| Noncurrent loans to loans | 0.5885% | 6,130 |
| Net loans and leases to total assets | 62.3982% | 4,676 |
| Net loans and leases to deposits | 70.8781% | 5,219 |
| Net loans and leases to core deposits | 84.0832% | 4,187 |
| Total domestic deposits to total assets | 88.0359% | 2,035 |
| Equity capital to assets | 11.7071% | 2,226 |
| Core capital (leverage) ratio | 11.9802% | 1,661 |
| Tier 1 risk-based capital ratio | 17.0622% | 2,249 |
| Total risk-based capital ratio | 18.1616% | 2,249 |
| Memoranda: | ||
| Average total assets | $156,948,000 | 3,896 |
| Average earning assets | $142,307,500 | 3,910 |
| Average equity | $17,478,000 | 3,575 |
| Average total loans | $96,116,000 | 4,071 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 5,705 |
| Cost of funding earning assets | 1.3662% | 6,069 |
| Net interest margin | 3.8216% | 3,614 |
| Noninterest income to average assets | 0.8000% | 2,404 |
| Noninterest expense to average assets | 2.7177% | 5,308 |
| Loan and lease loss provision to assets | 0.2476% | 5,409 |
| Net operating income to assets | 1.0343% | 1,725 |
| Return on assets (ROA) | 1.0952% | 1,568 |
| Pretax return on assets | 1.3786% | 1,484 |
| Return on Equity (ROE) | 10.4650% | 1,560 |
| Retained earnings to average equity (ytd only) | 4.4747% | 2,120 |
| Net charge-offs to loans | 0.4072% | 4,187 |
| Credit loss provision to net charge-offs | 106.7568% | 5,194 |
| Earnings coverage of net charge-offs (x) | 6.6784% | 2,317 |
| Efficiency ratio | 63.6938% | 5,832 |
| Assets per employee ($millions) | 3.0812% | 6,030 |
| Cash dividends to net income (ytd only)* | 57.2410% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,833 |
| Loan loss allowance to noncurrent loans | 455.3648% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 6,824 |
| Noncurrent loans to loans | 0.2447% | 6,815 |
| Net loans and leases to total assets | 58.7573% | 5,526 |
| Net loans and leases to deposits | 66.2298% | 6,020 |
| Net loans and leases to core deposits | 98.4460% | 4,184 |
| Total domestic deposits to total assets | 88.7174% | 1,620 |
| Equity capital to assets | 10.5886% | 3,087 |
| Core capital (leverage) ratio | 11.4506% | 1,943 |
| Tier 1 risk-based capital ratio | 16.6002% | 2,274 |
| Total risk-based capital ratio | 17.6174% | 2,316 |
| Memoranda: | ||
| Average total assets | $159,509,200 | 3,780 |
| Average earning assets | $144,703,800 | 3,800 |
| Average equity | $16,693,800 | 3,734 |
| Average total loans | $90,860,800 | 4,194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 5,877 |
| Cost of funding earning assets | 1.4320% | 6,115 |
| Net interest margin | 3.7677% | 3,787 |
| Noninterest income to average assets | 0.7958% | 2,450 |
| Noninterest expense to average assets | 2.7380% | 5,156 |
| Loan and lease loss provision to assets | 0.2544% | 4,916 |
| Net operating income to assets | 0.9563% | 2,213 |
| Return on assets (ROA) | 1.0326% | 2,023 |
| Pretax return on assets | 1.3205% | 1,908 |
| Return on Equity (ROE) | 9.8959% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.8959% | 656 |
| Net charge-offs to loans | 0.4322% | 3,521 |
| Credit loss provision to net charge-offs | 104.4674% | 4,865 |
| Earnings coverage of net charge-offs (x) | 6.0653% | 2,674 |
| Efficiency ratio | 64.9593% | 5,557 |
| Assets per employee ($millions) | 3.2336% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 5,957 |
| Loan loss allowance to noncurrent loans | 419.2000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 6,838 |
| Noncurrent loans to loans | 0.2531% | 6,879 |
| Net loans and leases to total assets | 61.6678% | 5,295 |
| Net loans and leases to deposits | 70.7221% | 5,824 |
| Net loans and leases to core deposits | 111.7262% | 3,048 |
| Total domestic deposits to total assets | 87.1974% | 2,078 |
| Equity capital to assets | 11.1074% | 2,916 |
| Core capital (leverage) ratio | 11.5409% | 2,053 |
| Tier 1 risk-based capital ratio | 16.7343% | 2,351 |
| Total risk-based capital ratio | 17.7195% | 2,386 |
| Memoranda: | ||
| Average total assets | $159,331,500 | 3,807 |
| Average earning assets | $144,592,500 | 3,828 |
| Average equity | $16,626,000 | 3,778 |
| Average total loans | $89,775,500 | 4,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 6,421 |
| Cost of funding earning assets | 1.4548% | 6,308 |
| Net interest margin | 3.6489% | 4,173 |
| Noninterest income to average assets | 0.7931% | 2,447 |
| Noninterest expense to average assets | 2.7289% | 5,261 |
| Loan and lease loss provision to assets | 0.2243% | 4,789 |
| Net operating income to assets | 0.8758% | 2,558 |
| Return on assets (ROA) | 0.9134% | 2,499 |
| Pretax return on assets | 1.1915% | 2,325 |
| Return on Equity (ROE) | 8.9439% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.9439% | 956 |
| Net charge-offs to loans | 0.2973% | 3,698 |
| Credit loss provision to net charge-offs | 138.7597% | 3,367 |
| Earnings coverage of net charge-offs (x) | 8.4574% | 2,254 |
| Efficiency ratio | 66.6259% | 5,431 |
| Assets per employee ($millions) | 3.3475% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,001 |
| Loan loss allowance to noncurrent loans | 194.4444% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 6,482 |
| Noncurrent loans to loans | 0.6133% | 6,031 |
| Net loans and leases to total assets | 53.7126% | 6,494 |
| Net loans and leases to deposits | 59.8781% | 6,899 |
| Net loans and leases to core deposits | 89.1504% | 5,617 |
| Total domestic deposits to total assets | 89.7033% | 960 |
| Equity capital to assets | 10.0111% | 3,924 |
| Core capital (leverage) ratio | 10.8259% | 2,547 |
| Tier 1 risk-based capital ratio | 17.0526% | 2,282 |
| Total risk-based capital ratio | 18.1223% | 2,290 |
| Memoranda: | ||
| Average total assets | $159,627,330 | 3,832 |
| Average earning assets | $144,483,670 | 3,851 |
| Average equity | $16,301,670 | 3,857 |
| Average total loans | $86,781,670 | 4,368 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 6,465 |
| Cost of funding earning assets | 1.4471% | 6,585 |
| Net interest margin | 3.7086% | 3,857 |
| Noninterest income to average assets | 0.8346% | 2,158 |
| Noninterest expense to average assets | 2.4988% | 5,845 |
| Loan and lease loss provision to assets | 0.2286% | 4,160 |
| Net operating income to assets | 1.0553% | 2,117 |
| Return on assets (ROA) | 1.1274% | 1,996 |
| Pretax return on assets | 1.5640% | 1,498 |
| Return on Equity (ROE) | 10.9241% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.9241% | 990 |
| Net charge-offs to loans | 0.1653% | 3,641 |
| Credit loss provision to net charge-offs | 254.2857% | 1,853 |
| Earnings coverage of net charge-offs (x) | 18.8286% | 1,444 |
| Efficiency ratio | 59.6201% | 6,452 |
| Assets per employee ($millions) | 3.4539% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,142 |
| Loan loss allowance to noncurrent loans | 183.9527% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 6,465 |
| Noncurrent loans to loans | 0.7001% | 5,661 |
| Net loans and leases to total assets | 49.3172% | 6,919 |
| Net loans and leases to deposits | 54.7606% | 7,235 |
| Net loans and leases to core deposits | 82.8215% | 6,159 |
| Total domestic deposits to total assets | 90.0597% | 774 |
| Equity capital to assets | 9.6992% | 4,384 |
| Core capital (leverage) ratio | 11.6527% | 2,067 |
| Tier 1 risk-based capital ratio | 17.8063% | 2,098 |
| Total risk-based capital ratio | 18.9455% | 2,073 |
| Memoranda: | ||
| Average total assets | $155,754,000 | 3,912 |
| Average earning assets | $140,969,000 | 3,932 |
| Average equity | $16,074,500 | 3,934 |
| Average total loans | $84,679,500 | 4,472 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1493% | 4,779 |
| Cost of funding earning assets | 2.1517% | 5,821 |
| Net interest margin | 3.9976% | 3,125 |
| Noninterest income to average assets | 0.9458% | 1,788 |
| Noninterest expense to average assets | 2.6952% | 5,289 |
| Loan and lease loss provision to assets | 0.1901% | 4,982 |
| Net operating income to assets | 1.3156% | 1,443 |
| Return on assets (ROA) | 1.3288% | 1,362 |
| Pretax return on assets | 1.7166% | 1,112 |
| Return on Equity (ROE) | 12.3659% | 1,493 |
| Retained earnings to average equity (ytd only) | 6.0016% | 1,535 |
| Net charge-offs to loans | 0.3636% | 3,019 |
| Credit loss provision to net charge-offs | 89.6774% | 5,691 |
| Earnings coverage of net charge-offs (x) | 8.9129% | 2,796 |
| Efficiency ratio | 58.7858% | 6,560 |
| Assets per employee ($millions) | 2.9034% | 6,294 |
| Cash dividends to net income (ytd only)* | 51.4668% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,368 |
| Loan loss allowance to noncurrent loans | 102.9821% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 5,112 |
| Noncurrent loans to loans | 1.1863% | 4,137 |
| Net loans and leases to total assets | 58.8815% | 6,077 |
| Net loans and leases to deposits | 66.7052% | 6,592 |
| Net loans and leases to core deposits | 87.6364% | 6,005 |
| Total domestic deposits to total assets | 88.2713% | 1,351 |
| Equity capital to assets | 11.0595% | 2,993 |
| Core capital (leverage) ratio | 12.0870% | 1,921 |
| Tier 1 risk-based capital ratio | 17.6001% | 2,151 |
| Total risk-based capital ratio | 18.7006% | 2,136 |
| Memoranda: | ||
| Average total assets | $146,222,800 | 3,968 |
| Average earning assets | $133,103,600 | 3,988 |
| Average equity | $15,712,600 | 3,988 |
| Average total loans | $85,251,200 | 4,357 |