Home > United Mississippi Bank > Performance and Condition Ratios
United Mississippi Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 2,418 |
| Cost of funding earning assets | 1.2398% | 2,695 |
| Net interest margin | 3.5887% | 1,990 |
| Noninterest income to average assets | 2.1200% | 253 |
| Noninterest expense to average assets | 3.6676% | 473 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.8098% | 604 |
| Return on assets (ROA) | 1.7116% | 688 |
| Pretax return on assets | 1.7116% | 1,047 |
| Return on Equity (ROE) | 15.8500% | 1,126 |
| Retained earnings to average equity (ytd only) | 11.4990% | 700 |
| Net charge-offs to loans | 0.0249% | 1,817 |
| Credit loss provision to net charge-offs | 324.3243% | 904 |
| Earnings coverage of net charge-offs (x) | 114.2703% | 840 |
| Efficiency ratio | 66.3188% | 2,307 |
| Assets per employee ($millions) | 4.0370% | 4,150 |
| Cash dividends to net income (ytd only)* | 27.4389% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,085 |
| Loan loss allowance to noncurrent loans | 358.3047% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 1,967 |
| Noncurrent loans to loans | 0.2920% | 2,130 |
| Net loans and leases to total assets | 66.6300% | 2,185 |
| Net loans and leases to deposits | 83.8518% | 1,794 |
| Net loans and leases to core deposits | 88.4306% | 2,154 |
| Total domestic deposits to total assets | 79.4600% | 3,548 |
| Equity capital to assets | 11.8888% | 1,172 |
| Core capital (leverage) ratio | 13.5480% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $453,973,200 | 1,843 |
| Average earning assets | $430,791,800 | 1,807 |
| Average equity | $49,030,200 | 1,634 |
| Average total loans | $296,990,000 | 1,800 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 2,433 |
| Cost of funding earning assets | 1.1360% | 2,641 |
| Net interest margin | 3.5840% | 2,046 |
| Noninterest income to average assets | 2.3600% | 242 |
| Noninterest expense to average assets | 3.5444% | 519 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.1627% | 395 |
| Return on assets (ROA) | 2.1627% | 391 |
| Pretax return on assets | 2.1627% | 587 |
| Return on Equity (ROE) | 20.5300% | 671 |
| Retained earnings to average equity (ytd only) | 16.0033% | 459 |
| Net charge-offs to loans | 0.0202% | 1,714 |
| Credit loss provision to net charge-offs | 400.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 168.5333% | 673 |
| Efficiency ratio | 61.5377% | 2,777 |
| Assets per employee ($millions) | 4.0381% | 4,148 |
| Cash dividends to net income (ytd only)* | 22.0421% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,135 |
| Loan loss allowance to noncurrent loans | 879.8295% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 2,693 |
| Noncurrent loans to loans | 0.1186% | 2,973 |
| Net loans and leases to total assets | 64.9300% | 2,351 |
| Net loans and leases to deposits | 83.2268% | 1,809 |
| Net loans and leases to core deposits | 86.4970% | 2,160 |
| Total domestic deposits to total assets | 78.0200% | 3,814 |
| Equity capital to assets | 11.1014% | 1,307 |
| Core capital (leverage) ratio | 13.5519% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $456,448,250 | 1,834 |
| Average earning assets | $433,328,250 | 1,789 |
| Average equity | $48,089,000 | 1,642 |
| Average total loans | $296,483,500 | 1,805 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 2,351 |
| Cost of funding earning assets | 0.9908% | 2,633 |
| Net interest margin | 3.6383% | 1,952 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 3.3758% | 623 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9379% | 2,622 |
| Return on assets (ROA) | 0.9379% | 2,608 |
| Pretax return on assets | 0.9379% | 3,073 |
| Return on Equity (ROE) | 9.0600% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.1196% | 3,187 |
| Net charge-offs to loans | 0.0148% | 1,643 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 103.0455% | 917 |
| Efficiency ratio | 77.3187% | 1,061 |
| Assets per employee ($millions) | 4.1700% | 4,111 |
| Cash dividends to net income (ytd only)* | 54.5412% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 3,331 |
| Loan loss allowance to noncurrent loans | 298.8281% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 1,783 |
| Noncurrent loans to loans | 0.3420% | 1,908 |
| Net loans and leases to total assets | 64.6100% | 2,319 |
| Net loans and leases to deposits | 83.5243% | 1,717 |
| Net loans and leases to core deposits | 86.4929% | 2,031 |
| Total domestic deposits to total assets | 77.3500% | 3,914 |
| Equity capital to assets | 10.1680% | 1,765 |
| Core capital (leverage) ratio | 12.2146% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $457,842,333 | 1,835 |
| Average earning assets | $434,381,000 | 1,797 |
| Average equity | $47,382,667 | 1,666 |
| Average total loans | $296,390,667 | 1,796 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5322% | 2,244 |
| Cost of funding earning assets | 0.8283% | 2,614 |
| Net interest margin | 3.7038% | 1,891 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 3.3300% | 669 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0441% | 2,405 |
| Return on assets (ROA) | 1.0441% | 2,370 |
| Pretax return on assets | 1.0441% | 2,873 |
| Return on Equity (ROE) | 10.0000% | 2,785 |
| Retained earnings to average equity (ytd only) | 7.8904% | 2,251 |
| Net charge-offs to loans | -0.0692% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.2272% | 1,230 |
| Assets per employee ($millions) | 4.2612% | 4,141 |
| Cash dividends to net income (ytd only)* | 21.1055% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,393 |
| Loan loss allowance to noncurrent loans | 438.3738% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,059 |
| Noncurrent loans to loans | 0.2347% | 2,329 |
| Net loans and leases to total assets | 64.8200% | 2,169 |
| Net loans and leases to deposits | 74.9439% | 2,219 |
| Net loans and leases to core deposits | 84.0134% | 1,980 |
| Total domestic deposits to total assets | 86.5000% | 2,445 |
| Equity capital to assets | 10.5959% | 1,512 |
| Core capital (leverage) ratio | 12.1795% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $457,415,500 | 1,860 |
| Average earning assets | $433,171,500 | 1,824 |
| Average equity | $47,754,000 | 1,669 |
| Average total loans | $294,885,500 | 1,812 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 2,037 |
| Cost of funding earning assets | 0.3344% | 2,593 |
| Net interest margin | 3.5453% | 1,798 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.3412% | 592 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0315% | 2,452 |
| Return on assets (ROA) | 1.0315% | 2,390 |
| Pretax return on assets | 1.0315% | 2,973 |
| Return on Equity (ROE) | 10.3900% | 2,680 |
| Retained earnings to average equity (ytd only) | 5.4899% | 2,830 |
| Net charge-offs to loans | 0.0704% | 940 |
| Credit loss provision to net charge-offs | 125.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 25.3021% | 1,773 |
| Efficiency ratio | 75.4857% | 1,072 |
| Assets per employee ($millions) | 4.3291% | 4,128 |
| Cash dividends to net income (ytd only)* | 47.1416% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7254% | 4,172 |
| Loan loss allowance to noncurrent loans | 379.8561% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,625 |
| Noncurrent loans to loans | 0.1910% | 2,525 |
| Net loans and leases to total assets | 62.9800% | 2,334 |
| Net loans and leases to deposits | 76.0115% | 2,093 |
| Net loans and leases to core deposits | 78.5389% | 2,236 |
| Total domestic deposits to total assets | 82.8600% | 3,448 |
| Equity capital to assets | 10.2850% | 1,565 |
| Core capital (leverage) ratio | 12.1514% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $447,719,200 | 1,861 |
| Average earning assets | $423,202,800 | 1,838 |
| Average equity | $44,463,200 | 1,772 |
| Average total loans | $272,599,600 | 1,846 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 1,961 |
| Cost of funding earning assets | 0.2733% | 2,455 |
| Net interest margin | 3.4530% | 1,797 |
| Noninterest income to average assets | 1.1000% | 572 |
| Noninterest expense to average assets | 3.3245% | 575 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9898% | 2,507 |
| Return on assets (ROA) | 0.9898% | 2,484 |
| Pretax return on assets | 0.9898% | 3,049 |
| Return on Equity (ROE) | 10.0600% | 2,706 |
| Retained earnings to average equity (ytd only) | 4.9489% | 3,117 |
| Net charge-offs to loans | -0.0040% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.1062% | 1,068 |
| Assets per employee ($millions) | 4.2126% | 4,215 |
| Cash dividends to net income (ytd only)* | 50.8023% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8065% | 4,081 |
| Loan loss allowance to noncurrent loans | 243.5676% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,166 |
| Noncurrent loans to loans | 0.3311% | 2,040 |
| Net loans and leases to total assets | 62.6400% | 2,222 |
| Net loans and leases to deposits | 71.8325% | 2,222 |
| Net loans and leases to core deposits | 73.8834% | 2,358 |
| Total domestic deposits to total assets | 87.2100% | 2,694 |
| Equity capital to assets | 10.3643% | 1,438 |
| Core capital (leverage) ratio | 11.7915% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $444,928,500 | 1,881 |
| Average earning assets | $420,537,750 | 1,855 |
| Average equity | $43,780,000 | 1,822 |
| Average total loans | $267,966,500 | 1,863 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 1,981 |
| Cost of funding earning assets | 0.2658% | 2,076 |
| Net interest margin | 3.2882% | 1,942 |
| Noninterest income to average assets | 1.1193% | 536 |
| Noninterest expense to average assets | 3.3208% | 532 |
| Loan and lease loss provision to assets | 0.0538% | 1,615 |
| Net operating income to assets | 0.8524% | 2,764 |
| Return on assets (ROA) | 0.8524% | 2,742 |
| Pretax return on assets | 0.8524% | 3,198 |
| Return on Equity (ROE) | 8.8183% | 2,751 |
| Retained earnings to average equity (ytd only) | 2.1999% | 3,691 |
| Net charge-offs to loans | -0.0204% | 3,883 |
| Credit loss provision to net charge-offs | -444.4444% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5608% | 1,049 |
| Assets per employee ($millions) | 4.4889% | 4,076 |
| Cash dividends to net income (ytd only)* | 75.0526% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 4,094 |
| Loan loss allowance to noncurrent loans | 216.0156% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 2,195 |
| Noncurrent loans to loans | 0.3912% | 1,963 |
| Net loans and leases to total assets | 55.0689% | 2,850 |
| Net loans and leases to deposits | 61.8154% | 2,899 |
| Net loans and leases to core deposits | 63.4323% | 3,008 |
| Total domestic deposits to total assets | 89.0861% | 2,144 |
| Equity capital to assets | 10.1160% | 1,644 |
| Core capital (leverage) ratio | 11.3266% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $445,796,000 | 1,885 |
| Average earning assets | $421,324,333 | 1,879 |
| Average equity | $43,092,000 | 1,890 |
| Average total loans | $264,174,000 | 1,879 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 1,581 |
| Cost of funding earning assets | 0.2777% | 1,845 |
| Net interest margin | 3.2948% | 1,575 |
| Noninterest income to average assets | 1.1103% | 550 |
| Noninterest expense to average assets | 3.4215% | 459 |
| Loan and lease loss provision to assets | 0.0554% | 1,389 |
| Net operating income to assets | 0.7454% | 2,872 |
| Return on assets (ROA) | 0.7454% | 2,865 |
| Pretax return on assets | 0.7454% | 3,261 |
| Return on Equity (ROE) | 7.9122% | 2,722 |
| Retained earnings to average equity (ytd only) | -0.1569% | 4,034 |
| Net charge-offs to loans | 0.0015% | 1,782 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 867.0000% | 107 |
| Efficiency ratio | 81.0326% | 1,067 |
| Assets per employee ($millions) | 4.1796% | 4,313 |
| Cash dividends to net income (ytd only)* | 101.9827% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,234 |
| Loan loss allowance to noncurrent loans | 186.3916% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 1,999 |
| Noncurrent loans to loans | 0.4313% | 1,952 |
| Net loans and leases to total assets | 60.2661% | 2,037 |
| Net loans and leases to deposits | 66.8699% | 2,255 |
| Net loans and leases to core deposits | 68.7488% | 2,391 |
| Total domestic deposits to total assets | 90.1245% | 1,491 |
| Equity capital to assets | 9.0356% | 2,679 |
| Core capital (leverage) ratio | 9.5875% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,027,500 | 1,935 |
| Average earning assets | $409,010,000 | 1,920 |
| Average equity | $40,798,000 | 2,025 |
| Average total loans | $265,376,000 | 1,861 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 1,819 |
| Cost of funding earning assets | 0.3376% | 2,047 |
| Net interest margin | 3.4818% | 1,794 |
| Noninterest income to average assets | 1.8090% | 366 |
| Noninterest expense to average assets | 3.7633% | 362 |
| Loan and lease loss provision to assets | 0.0780% | 1,563 |
| Net operating income to assets | 1.2411% | 1,770 |
| Return on assets (ROA) | 1.2411% | 1,828 |
| Pretax return on assets | 1.2411% | 2,546 |
| Return on Equity (ROE) | 12.4178% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.6206% | 2,068 |
| Net charge-offs to loans | 0.0954% | 880 |
| Credit loss provision to net charge-offs | 120.8178% | 1,640 |
| Earnings coverage of net charge-offs (x) | 20.4387% | 1,856 |
| Efficiency ratio | 74.0465% | 1,295 |
| Assets per employee ($millions) | 4.1083% | 4,380 |
| Cash dividends to net income (ytd only)* | 46.6847% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7740% | 4,309 |
| Loan loss allowance to noncurrent loans | 170.4377% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 1,987 |
| Noncurrent loans to loans | 0.4541% | 1,996 |
| Net loans and leases to total assets | 61.3388% | 2,027 |
| Net loans and leases to deposits | 68.6243% | 2,252 |
| Net loans and leases to core deposits | 70.7993% | 2,376 |
| Total domestic deposits to total assets | 89.3834% | 1,306 |
| Equity capital to assets | 9.8105% | 2,844 |
| Core capital (leverage) ratio | 9.6545% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,813,600 | 1,938 |
| Average earning assets | $391,865,400 | 1,932 |
| Average equity | $41,658,000 | 2,021 |
| Average total loans | $281,927,200 | 1,781 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 1,837 |
| Cost of funding earning assets | 0.3533% | 2,089 |
| Net interest margin | 3.5218% | 1,811 |
| Noninterest income to average assets | 2.0388% | 337 |
| Noninterest expense to average assets | 3.8466% | 320 |
| Loan and lease loss provision to assets | 0.0532% | 1,917 |
| Net operating income to assets | 1.4460% | 1,411 |
| Return on assets (ROA) | 1.4460% | 1,470 |
| Pretax return on assets | 1.4460% | 2,165 |
| Return on Equity (ROE) | 14.3990% | 1,281 |
| Retained earnings to average equity (ytd only) | 8.5668% | 1,854 |
| Net charge-offs to loans | 0.0910% | 792 |
| Credit loss provision to net charge-offs | 84.6154% | 1,697 |
| Earnings coverage of net charge-offs (x) | 23.8256% | 1,657 |
| Efficiency ratio | 71.9546% | 1,410 |
| Assets per employee ($millions) | 3.9149% | 4,496 |
| Cash dividends to net income (ytd only)* | 40.5044% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 4,461 |
| Loan loss allowance to noncurrent loans | 110.8744% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 1,660 |
| Noncurrent loans to loans | 0.6549% | 1,674 |
| Net loans and leases to total assets | 64.5590% | 1,703 |
| Net loans and leases to deposits | 72.7723% | 1,986 |
| Net loans and leases to core deposits | 75.0998% | 2,133 |
| Total domestic deposits to total assets | 88.7138% | 1,449 |
| Equity capital to assets | 10.2344% | 2,675 |
| Core capital (leverage) ratio | 9.8291% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $413,173,750 | 1,963 |
| Average earning assets | $387,976,250 | 1,959 |
| Average equity | $41,492,500 | 2,060 |
| Average total loans | $285,743,250 | 1,791 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 1,947 |
| Cost of funding earning assets | 0.3634% | 2,196 |
| Net interest margin | 3.4855% | 1,898 |
| Noninterest income to average assets | 1.6495% | 452 |
| Noninterest expense to average assets | 3.7489% | 352 |
| Loan and lease loss provision to assets | 0.0511% | 2,014 |
| Net operating income to assets | 1.1190% | 2,473 |
| Return on assets (ROA) | 1.1190% | 2,540 |
| Pretax return on assets | 1.1190% | 3,149 |
| Return on Equity (ROE) | 11.2154% | 2,337 |
| Retained earnings to average equity (ytd only) | 4.6255% | 3,322 |
| Net charge-offs to loans | 0.0848% | 833 |
| Credit loss provision to net charge-offs | 85.3659% | 1,460 |
| Earnings coverage of net charge-offs (x) | 19.5610% | 1,541 |
| Efficiency ratio | 76.2135% | 1,065 |
| Assets per employee ($millions) | 3.4630% | 4,677 |
| Cash dividends to net income (ytd only)* | 58.7571% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 4,539 |
| Loan loss allowance to noncurrent loans | 66.8347% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 1,104 |
| Noncurrent loans to loans | 1.0392% | 1,181 |
| Net loans and leases to total assets | 67.8706% | 1,461 |
| Net loans and leases to deposits | 76.1402% | 1,806 |
| Net loans and leases to core deposits | 78.4618% | 2,009 |
| Total domestic deposits to total assets | 89.1390% | 1,204 |
| Equity capital to assets | 9.8446% | 3,008 |
| Core capital (leverage) ratio | 9.4537% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $411,268,000 | 1,967 |
| Average earning assets | $385,768,000 | 1,962 |
| Average equity | $41,033,000 | 2,060 |
| Average total loans | $290,187,667 | 1,780 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 1,765 |
| Cost of funding earning assets | 0.3834% | 2,231 |
| Net interest margin | 3.5432% | 1,718 |
| Noninterest income to average assets | 1.9323% | 399 |
| Noninterest expense to average assets | 3.7654% | 344 |
| Loan and lease loss provision to assets | 0.0442% | 2,186 |
| Net operating income to assets | 1.4433% | 1,456 |
| Return on assets (ROA) | 1.4433% | 1,524 |
| Pretax return on assets | 1.4433% | 2,156 |
| Return on Equity (ROE) | 14.3681% | 1,360 |
| Retained earnings to average equity (ytd only) | 9.7156% | 1,735 |
| Net charge-offs to loans | 0.1274% | 572 |
| Credit loss provision to net charge-offs | 48.3871% | 1,317 |
| Earnings coverage of net charge-offs (x) | 16.2903% | 1,321 |
| Efficiency ratio | 71.6822% | 1,529 |
| Assets per employee ($millions) | 3.3093% | 4,757 |
| Cash dividends to net income (ytd only)* | 32.3810% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 4,608 |
| Loan loss allowance to noncurrent loans | 56.3704% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.9243% | 917 |
| Noncurrent loans to loans | 1.1899% | 1,107 |
| Net loans and leases to total assets | 70.7311% | 1,190 |
| Net loans and leases to deposits | 79.9384% | 1,527 |
| Net loans and leases to core deposits | 82.4899% | 1,804 |
| Total domestic deposits to total assets | 88.4820% | 1,618 |
| Equity capital to assets | 10.0480% | 2,665 |
| Core capital (leverage) ratio | 9.7862% | 2,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,391,500 | 1,968 |
| Average earning assets | $381,806,500 | 1,966 |
| Average equity | $40,924,000 | 2,050 |
| Average total loans | $292,091,000 | 1,780 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 1,466 |
| Cost of funding earning assets | 0.4878% | 3,025 |
| Net interest margin | 3.9510% | 1,088 |
| Noninterest income to average assets | 1.4691% | 563 |
| Noninterest expense to average assets | 4.1131% | 339 |
| Loan and lease loss provision to assets | 0.0837% | 3,334 |
| Net operating income to assets | 0.9649% | 2,419 |
| Return on assets (ROA) | 0.9649% | 2,567 |
| Pretax return on assets | 0.9649% | 3,158 |
| Return on Equity (ROE) | 9.0532% | 2,370 |
| Retained earnings to average equity (ytd only) | 3.8212% | 2,907 |
| Net charge-offs to loans | 0.0664% | 1,830 |
| Credit loss provision to net charge-offs | 173.0769% | 2,303 |
| Earnings coverage of net charge-offs (x) | 21.6868% | 1,887 |
| Efficiency ratio | 79.6861% | 913 |
| Assets per employee ($millions) | 3.2098% | 4,756 |
| Cash dividends to net income (ytd only)* | 57.7919% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 4,606 |
| Loan loss allowance to noncurrent loans | 68.6858% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 1,058 |
| Noncurrent loans to loans | 1.0008% | 1,419 |
| Net loans and leases to total assets | 71.6979% | 1,332 |
| Net loans and leases to deposits | 85.1073% | 1,335 |
| Net loans and leases to core deposits | 87.8125% | 1,710 |
| Total domestic deposits to total assets | 84.2441% | 3,035 |
| Equity capital to assets | 10.0427% | 3,093 |
| Core capital (leverage) ratio | 9.5848% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,427,800 | 1,936 |
| Average earning assets | $351,806,400 | 1,933 |
| Average equity | $40,118,600 | 2,021 |
| Average total loans | $273,894,000 | 1,808 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5575% | 1,434 |
| Cost of funding earning assets | 0.5079% | 3,171 |
| Net interest margin | 4.0496% | 1,009 |
| Noninterest income to average assets | 1.5169% | 507 |
| Noninterest expense to average assets | 4.2526% | 307 |
| Loan and lease loss provision to assets | 0.0560% | 3,650 |
| Net operating income to assets | 0.9893% | 2,376 |
| Return on assets (ROA) | 0.9893% | 2,511 |
| Pretax return on assets | 0.9893% | 3,110 |
| Return on Equity (ROE) | 9.1378% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.1405% | 2,972 |
| Net charge-offs to loans | 0.0822% | 1,482 |
| Credit loss provision to net charge-offs | 93.3735% | 2,681 |
| Earnings coverage of net charge-offs (x) | 17.4458% | 2,015 |
| Efficiency ratio | 80.2711% | 852 |
| Assets per employee ($millions) | 3.1119% | 4,808 |
| Cash dividends to net income (ytd only)* | 54.6881% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 4,653 |
| Loan loss allowance to noncurrent loans | 54.4844% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0982% | 951 |
| Noncurrent loans to loans | 1.2048% | 1,263 |
| Net loans and leases to total assets | 72.5623% | 1,578 |
| Net loans and leases to deposits | 82.0688% | 2,097 |
| Net loans and leases to core deposits | 84.6570% | 2,414 |
| Total domestic deposits to total assets | 88.4165% | 1,005 |
| Equity capital to assets | 10.6802% | 2,642 |
| Core capital (leverage) ratio | 9.8875% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,426,500 | 1,945 |
| Average earning assets | $344,917,750 | 1,939 |
| Average equity | $39,994,250 | 2,019 |
| Average total loans | $269,373,250 | 1,820 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,456 |
| Cost of funding earning assets | 0.5309% | 3,342 |
| Net interest margin | 4.1454% | 1,027 |
| Noninterest income to average assets | 1.6544% | 383 |
| Noninterest expense to average assets | 4.2722% | 312 |
| Loan and lease loss provision to assets | 0.0524% | 3,649 |
| Net operating income to assets | 1.1981% | 1,643 |
| Return on assets (ROA) | 1.1981% | 1,772 |
| Pretax return on assets | 1.1981% | 2,370 |
| Return on Equity (ROE) | 11.0138% | 1,625 |
| Retained earnings to average equity (ytd only) | 5.4866% | 2,279 |
| Net charge-offs to loans | 0.1081% | 1,214 |
| Credit loss provision to net charge-offs | 66.4336% | 2,566 |
| Earnings coverage of net charge-offs (x) | 15.8671% | 1,887 |
| Efficiency ratio | 77.3575% | 1,119 |
| Assets per employee ($millions) | 2.9122% | 4,873 |
| Cash dividends to net income (ytd only)* | 50.1840% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6619% | 4,647 |
| Loan loss allowance to noncurrent loans | 51.2770% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0871% | 1,056 |
| Noncurrent loans to loans | 1.2909% | 1,207 |
| Net loans and leases to total assets | 71.3276% | 1,830 |
| Net loans and leases to deposits | 80.6259% | 2,359 |
| Net loans and leases to core deposits | 83.1842% | 2,674 |
| Total domestic deposits to total assets | 88.4673% | 958 |
| Equity capital to assets | 10.7241% | 2,551 |
| Core capital (leverage) ratio | 10.1765% | 2,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,907,667 | 1,954 |
| Average earning assets | $338,643,333 | 1,950 |
| Average equity | $39,477,667 | 2,020 |
| Average total loans | $264,457,667 | 1,823 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 1,322 |
| Cost of funding earning assets | 0.5778% | 3,547 |
| Net interest margin | 4.2667% | 814 |
| Noninterest income to average assets | 1.3278% | 508 |
| Noninterest expense to average assets | 4.3696% | 344 |
| Loan and lease loss provision to assets | 0.0511% | 3,137 |
| Net operating income to assets | 0.8746% | 2,598 |
| Return on assets (ROA) | 0.8746% | 2,705 |
| Pretax return on assets | 0.8746% | 3,211 |
| Return on Equity (ROE) | 7.9783% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.3053% | 2,956 |
| Net charge-offs to loans | 0.0804% | 1,221 |
| Credit loss provision to net charge-offs | 86.5385% | 1,906 |
| Earnings coverage of net charge-offs (x) | 15.6731% | 1,553 |
| Efficiency ratio | 82.5182% | 940 |
| Assets per employee ($millions) | 2.7672% | 4,878 |
| Cash dividends to net income (ytd only)* | 58.5714% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 4,571 |
| Loan loss allowance to noncurrent loans | 37.0143% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.6013% | 641 |
| Noncurrent loans to loans | 1.9518% | 744 |
| Net loans and leases to total assets | 72.4321% | 1,856 |
| Net loans and leases to deposits | 83.0516% | 2,327 |
| Net loans and leases to core deposits | 85.8930% | 2,690 |
| Total domestic deposits to total assets | 87.2134% | 1,461 |
| Equity capital to assets | 11.0063% | 2,847 |
| Core capital (leverage) ratio | 10.6585% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0331% | 2,677 |
| Memoranda: | ||
| Average total assets | $352,159,500 | 1,952 |
| Average earning assets | $327,463,000 | 1,943 |
| Average equity | $38,604,500 | 2,039 |
| Average total loans | $258,680,000 | 1,812 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 1,366 |
| Cost of funding earning assets | 0.5844% | 3,699 |
| Net interest margin | 4.4563% | 786 |
| Noninterest income to average assets | 1.1764% | 681 |
| Noninterest expense to average assets | 4.4406% | 326 |
| Loan and lease loss provision to assets | 0.1337% | 1,590 |
| Net operating income to assets | 0.7357% | 3,745 |
| Return on assets (ROA) | 0.7357% | 3,817 |
| Pretax return on assets | 0.7357% | 4,124 |
| Return on Equity (ROE) | 7.0105% | 3,544 |
| Retained earnings to average equity (ytd only) | 3.0553% | 3,498 |
| Net charge-offs to loans | 0.1686% | 1,202 |
| Credit loss provision to net charge-offs | 108.8435% | 2,291 |
| Earnings coverage of net charge-offs (x) | 7.0771% | 2,907 |
| Efficiency ratio | 83.6271% | 681 |
| Assets per employee ($millions) | 2.6932% | 4,944 |
| Cash dividends to net income (ytd only)* | 56.4180% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 4,524 |
| Loan loss allowance to noncurrent loans | 129.7578% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 2,099 |
| Noncurrent loans to loans | 0.5581% | 2,504 |
| Net loans and leases to total assets | 73.4217% | 1,852 |
| Net loans and leases to deposits | 82.7349% | 2,473 |
| Net loans and leases to core deposits | 85.9468% | 2,793 |
| Total domestic deposits to total assets | 88.7433% | 771 |
| Equity capital to assets | 10.9176% | 3,080 |
| Core capital (leverage) ratio | 10.4634% | 2,991 |
| Tier 1 risk-based capital ratio | 13.4558% | 3,549 |
| Total risk-based capital ratio | 14.1415% | 3,725 |
| Memoranda: | ||
| Average total assets | $358,984,600 | 1,878 |
| Average earning assets | $332,991,000 | 1,868 |
| Average equity | $37,672,000 | 2,021 |
| Average total loans | $261,585,400 | 1,767 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0356% | 1,452 |
| Cost of funding earning assets | 0.5765% | 3,788 |
| Net interest margin | 4.4591% | 840 |
| Noninterest income to average assets | 1.3163% | 540 |
| Noninterest expense to average assets | 4.4137% | 325 |
| Loan and lease loss provision to assets | 0.1329% | 1,446 |
| Net operating income to assets | 0.9014% | 3,340 |
| Return on assets (ROA) | 0.9014% | 3,416 |
| Pretax return on assets | 0.9014% | 3,871 |
| Return on Equity (ROE) | 8.6746% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.4243% | 2,661 |
| Net charge-offs to loans | -0.0600% | 4,878 |
| Credit loss provision to net charge-offs | -305.0847% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0150% | 831 |
| Assets per employee ($millions) | 2.7000% | 5,013 |
| Cash dividends to net income (ytd only)* | 37.4693% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8905% | 4,084 |
| Loan loss allowance to noncurrent loans | 129.9438% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.9837% | 443 |
| Noncurrent loans to loans | 0.6853% | 2,248 |
| Net loans and leases to total assets | 72.2255% | 2,142 |
| Net loans and leases to deposits | 83.0168% | 2,565 |
| Net loans and leases to core deposits | 86.2330% | 2,892 |
| Total domestic deposits to total assets | 87.0011% | 1,513 |
| Equity capital to assets | 10.8480% | 3,252 |
| Core capital (leverage) ratio | 10.5484% | 3,060 |
| Tier 1 risk-based capital ratio | 12.9877% | 3,856 |
| Total risk-based capital ratio | 13.7959% | 3,991 |
| Memoranda: | ||
| Average total assets | $361,202,500 | 1,893 |
| Average earning assets | $334,677,500 | 1,879 |
| Average equity | $37,534,000 | 2,039 |
| Average total loans | $262,248,250 | 1,775 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 1,429 |
| Cost of funding earning assets | 0.5602% | 3,838 |
| Net interest margin | 4.4584% | 836 |
| Noninterest income to average assets | 1.3241% | 499 |
| Noninterest expense to average assets | 4.3925% | 337 |
| Loan and lease loss provision to assets | 0.1323% | 1,414 |
| Net operating income to assets | 0.9366% | 3,144 |
| Return on assets (ROA) | 0.9366% | 3,208 |
| Pretax return on assets | 0.9366% | 3,753 |
| Return on Equity (ROE) | 9.1448% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.6462% | 2,451 |
| Net charge-offs to loans | -0.2334% | 5,149 |
| Credit loss provision to net charge-offs | -78.1759% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4280% | 933 |
| Assets per employee ($millions) | 2.7073% | 5,057 |
| Cash dividends to net income (ytd only)* | 38.2578% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9245% | 3,985 |
| Loan loss allowance to noncurrent loans | 148.6891% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 2.0549% | 443 |
| Noncurrent loans to loans | 0.6218% | 2,397 |
| Net loans and leases to total assets | 70.8921% | 2,408 |
| Net loans and leases to deposits | 79.7992% | 2,975 |
| Net loans and leases to core deposits | 82.7093% | 3,224 |
| Total domestic deposits to total assets | 88.8381% | 730 |
| Equity capital to assets | 10.5712% | 3,456 |
| Core capital (leverage) ratio | 10.1629% | 3,425 |
| Tier 1 risk-based capital ratio | 12.7099% | 4,008 |
| Total risk-based capital ratio | 13.5351% | 4,119 |
| Memoranda: | ||
| Average total assets | $362,801,330 | 1,892 |
| Average earning assets | $336,670,330 | 1,883 |
| Average equity | $37,157,670 | 2,052 |
| Average total loans | $263,088,000 | 1,776 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 1,556 |
| Cost of funding earning assets | 0.5458% | 3,845 |
| Net interest margin | 4.3689% | 971 |
| Noninterest income to average assets | 1.4169% | 427 |
| Noninterest expense to average assets | 4.3596% | 350 |
| Loan and lease loss provision to assets | 0.1318% | 1,321 |
| Net operating income to assets | 0.9875% | 2,899 |
| Return on assets (ROA) | 0.9875% | 2,937 |
| Pretax return on assets | 0.9875% | 3,484 |
| Return on Equity (ROE) | 9.7972% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.4894% | 1,493 |
| Net charge-offs to loans | 0.0075% | 2,427 |
| Credit loss provision to net charge-offs | 2,400.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 203.8000% | 382 |
| Efficiency ratio | 79.5710% | 1,100 |
| Assets per employee ($millions) | 2.8295% | 5,056 |
| Cash dividends to net income (ytd only)* | 13.3482% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7529% | 4,656 |
| Loan loss allowance to noncurrent loans | 93.6150% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.1230% | 429 |
| Noncurrent loans to loans | 0.8043% | 2,029 |
| Net loans and leases to total assets | 69.3473% | 2,573 |
| Net loans and leases to deposits | 77.6257% | 3,100 |
| Net loans and leases to core deposits | 81.0035% | 3,272 |
| Total domestic deposits to total assets | 89.3355% | 718 |
| Equity capital to assets | 10.0766% | 3,744 |
| Core capital (leverage) ratio | 9.9700% | 3,636 |
| Tier 1 risk-based capital ratio | 12.4349% | 4,213 |
| Total risk-based capital ratio | 13.1009% | 4,444 |
| Memoranda: | ||
| Average total assets | $364,165,000 | 1,899 |
| Average earning assets | $338,575,500 | 1,888 |
| Average equity | $36,704,500 | 2,069 |
| Average total loans | $265,809,000 | 1,780 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 1,551 |
| Cost of funding earning assets | 0.4659% | 3,575 |
| Net interest margin | 4.3317% | 1,086 |
| Noninterest income to average assets | 1.2743% | 577 |
| Noninterest expense to average assets | 4.3723% | 335 |
| Loan and lease loss provision to assets | 0.1339% | 1,618 |
| Net operating income to assets | 0.8080% | 3,773 |
| Return on assets (ROA) | 0.8080% | 3,776 |
| Pretax return on assets | 0.8080% | 4,150 |
| Return on Equity (ROE) | 8.0477% | 3,416 |
| Retained earnings to average equity (ytd only) | 0.7028% | 4,801 |
| Net charge-offs to loans | 0.1107% | 1,640 |
| Credit loss provision to net charge-offs | 160.5351% | 1,731 |
| Earnings coverage of net charge-offs (x) | 11.2943% | 2,635 |
| Efficiency ratio | 82.2767% | 778 |
| Assets per employee ($millions) | 2.6893% | 5,144 |
| Cash dividends to net income (ytd only)* | 91.2668% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,858 |
| Loan loss allowance to noncurrent loans | 24.2057% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.6891% | 264 |
| Noncurrent loans to loans | 2.7822% | 397 |
| Net loans and leases to total assets | 75.7092% | 1,661 |
| Net loans and leases to deposits | 84.8794% | 2,422 |
| Net loans and leases to core deposits | 88.4920% | 2,708 |
| Total domestic deposits to total assets | 89.1962% | 777 |
| Equity capital to assets | 10.0816% | 3,598 |
| Core capital (leverage) ratio | 9.9846% | 3,595 |
| Tier 1 risk-based capital ratio | 11.9762% | 4,437 |
| Total risk-based capital ratio | 12.5936% | 4,705 |
| Memoranda: | ||
| Average total assets | $358,550,200 | 1,885 |
| Average earning assets | $334,393,400 | 1,873 |
| Average equity | $35,997,800 | 2,034 |
| Average total loans | $270,170,000 | 1,725 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 1,541 |
| Cost of funding earning assets | 0.4449% | 3,561 |
| Net interest margin | 4.3071% | 1,099 |
| Noninterest income to average assets | 1.2624% | 602 |
| Noninterest expense to average assets | 4.2816% | 362 |
| Loan and lease loss provision to assets | 0.1338% | 1,502 |
| Net operating income to assets | 0.8626% | 3,691 |
| Return on assets (ROA) | 0.8626% | 3,695 |
| Pretax return on assets | 0.8626% | 4,138 |
| Return on Equity (ROE) | 8.6003% | 3,287 |
| Retained earnings to average equity (ytd only) | 1.7675% | 4,651 |
| Net charge-offs to loans | 0.0129% | 2,964 |
| Credit loss provision to net charge-offs | 1,384.6154% | 292 |
| Earnings coverage of net charge-offs (x) | 103.1030% | 731 |
| Efficiency ratio | 81.1224% | 849 |
| Assets per employee ($millions) | 2.6251% | 5,247 |
| Cash dividends to net income (ytd only)* | 79.4487% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 4,785 |
| Loan loss allowance to noncurrent loans | 23.6230% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 2.9866% | 245 |
| Noncurrent loans to loans | 3.1281% | 337 |
| Net loans and leases to total assets | 74.3275% | 1,930 |
| Net loans and leases to deposits | 83.1389% | 2,690 |
| Net loans and leases to core deposits | 87.3693% | 2,885 |
| Total domestic deposits to total assets | 89.4016% | 703 |
| Equity capital to assets | 9.9881% | 3,662 |
| Core capital (leverage) ratio | 10.1084% | 3,512 |
| Tier 1 risk-based capital ratio | 12.1600% | 4,404 |
| Total risk-based capital ratio | 12.8355% | 4,628 |
| Memoranda: | ||
| Average total assets | $358,770,000 | 1,886 |
| Average earning assets | $334,481,500 | 1,884 |
| Average equity | $35,982,500 | 2,036 |
| Average total loans | $269,556,000 | 1,731 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 1,487 |
| Cost of funding earning assets | 0.4240% | 3,545 |
| Net interest margin | 4.2833% | 1,068 |
| Noninterest income to average assets | 1.2151% | 655 |
| Noninterest expense to average assets | 4.2725% | 374 |
| Loan and lease loss provision to assets | 0.1339% | 1,473 |
| Net operating income to assets | 0.7995% | 3,855 |
| Return on assets (ROA) | 0.7995% | 3,855 |
| Pretax return on assets | 0.7995% | 4,244 |
| Return on Equity (ROE) | 7.9604% | 3,522 |
| Retained earnings to average equity (ytd only) | 0.3500% | 4,901 |
| Net charge-offs to loans | 0.0030% | 3,083 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 418.2500% | 221 |
| Efficiency ratio | 82.0705% | 829 |
| Assets per employee ($millions) | 2.6408% | 5,290 |
| Cash dividends to net income (ytd only)* | 95.6036% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 4,941 |
| Loan loss allowance to noncurrent loans | 23.7414% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.9041% | 263 |
| Noncurrent loans to loans | 2.9525% | 389 |
| Net loans and leases to total assets | 74.5870% | 1,851 |
| Net loans and leases to deposits | 83.3809% | 2,603 |
| Net loans and leases to core deposits | 87.8101% | 2,736 |
| Total domestic deposits to total assets | 89.4533% | 758 |
| Equity capital to assets | 9.9366% | 3,686 |
| Core capital (leverage) ratio | 9.8824% | 3,702 |
| Tier 1 risk-based capital ratio | 11.9600% | 4,527 |
| Total risk-based capital ratio | 12.5990% | 4,772 |
| Memoranda: | ||
| Average total assets | $358,480,670 | 1,894 |
| Average earning assets | $333,993,330 | 1,892 |
| Average equity | $36,003,000 | 2,034 |
| Average total loans | $269,641,330 | 1,734 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 1,374 |
| Cost of funding earning assets | 0.4119% | 3,505 |
| Net interest margin | 4.2593% | 1,022 |
| Noninterest income to average assets | 1.3324% | 529 |
| Noninterest expense to average assets | 4.2407% | 384 |
| Loan and lease loss provision to assets | 0.1340% | 1,407 |
| Net operating income to assets | 0.9192% | 3,208 |
| Return on assets (ROA) | 0.9192% | 3,220 |
| Pretax return on assets | 0.9192% | 3,784 |
| Return on Equity (ROE) | 9.1037% | 2,862 |
| Retained earnings to average equity (ytd only) | 4.1592% | 3,530 |
| Net charge-offs to loans | 0.0326% | 1,850 |
| Credit loss provision to net charge-offs | 545.4545% | 553 |
| Earnings coverage of net charge-offs (x) | 42.8636% | 1,031 |
| Efficiency ratio | 80.1055% | 1,128 |
| Assets per employee ($millions) | 2.6291% | 5,359 |
| Cash dividends to net income (ytd only)* | 54.3135% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 5,101 |
| Loan loss allowance to noncurrent loans | 21.3937% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.0812% | 254 |
| Noncurrent loans to loans | 3.0671% | 387 |
| Net loans and leases to total assets | 74.7766% | 1,746 |
| Net loans and leases to deposits | 83.7084% | 2,422 |
| Net loans and leases to core deposits | 89.1677% | 2,524 |
| Total domestic deposits to total assets | 89.3298% | 951 |
| Equity capital to assets | 10.1777% | 3,419 |
| Core capital (leverage) ratio | 9.9153% | 3,621 |
| Tier 1 risk-based capital ratio | 12.0684% | 4,514 |
| Total risk-based capital ratio | 12.6612% | 4,809 |
| Memoranda: | ||
| Average total assets | $358,147,500 | 1,905 |
| Average earning assets | $333,104,000 | 1,909 |
| Average equity | $36,161,000 | 2,032 |
| Average total loans | $269,578,000 | 1,742 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 1,230 |
| Cost of funding earning assets | 0.3436% | 3,769 |
| Net interest margin | 4.3444% | 870 |
| Noninterest income to average assets | 1.3860% | 547 |
| Noninterest expense to average assets | 4.2090% | 414 |
| Loan and lease loss provision to assets | 0.1475% | 1,546 |
| Net operating income to assets | 1.0725% | 1,969 |
| Return on assets (ROA) | 1.0725% | 1,988 |
| Pretax return on assets | 1.0725% | 3,288 |
| Return on Equity (ROE) | 10.5163% | 1,672 |
| Retained earnings to average equity (ytd only) | 2.6986% | 3,699 |
| Net charge-offs to loans | 0.1247% | 1,803 |
| Credit loss provision to net charge-offs | 160.4938% | 1,665 |
| Earnings coverage of net charge-offs (x) | 13.2716% | 2,410 |
| Efficiency ratio | 77.5281% | 1,422 |
| Assets per employee ($millions) | 2.6967% | 5,383 |
| Cash dividends to net income (ytd only)* | 74.3386% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 5,227 |
| Loan loss allowance to noncurrent loans | 135.7670% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 1,365 |
| Noncurrent loans to loans | 0.4482% | 3,170 |
| Net loans and leases to total assets | 74.8118% | 1,789 |
| Net loans and leases to deposits | 86.4735% | 2,200 |
| Net loans and leases to core deposits | 90.9055% | 2,474 |
| Total domestic deposits to total assets | 86.5141% | 2,225 |
| Equity capital to assets | 10.0171% | 3,686 |
| Core capital (leverage) ratio | 10.0186% | 3,433 |
| Tier 1 risk-based capital ratio | 11.9942% | 4,532 |
| Total risk-based capital ratio | 12.5567% | 4,851 |
| Memoranda: | ||
| Average total assets | $352,463,200 | 1,905 |
| Average earning assets | $328,008,000 | 1,898 |
| Average equity | $35,944,200 | 2,026 |
| Average total loans | $259,789,000 | 1,762 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,211 |
| Cost of funding earning assets | 0.3426% | 3,741 |
| Net interest margin | 4.3240% | 869 |
| Noninterest income to average assets | 1.3636% | 563 |
| Noninterest expense to average assets | 4.1849% | 415 |
| Loan and lease loss provision to assets | 0.1199% | 1,810 |
| Net operating income to assets | 1.0850% | 2,153 |
| Return on assets (ROA) | 1.0850% | 2,211 |
| Pretax return on assets | 1.0850% | 3,361 |
| Return on Equity (ROE) | 10.5904% | 1,863 |
| Retained earnings to average equity (ytd only) | 3.1251% | 4,051 |
| Net charge-offs to loans | 0.0769% | 2,044 |
| Credit loss provision to net charge-offs | 212.8378% | 1,288 |
| Earnings coverage of net charge-offs (x) | 21.3849% | 1,918 |
| Efficiency ratio | 77.6451% | 1,375 |
| Assets per employee ($millions) | 2.6492% | 5,464 |
| Cash dividends to net income (ytd only)* | 70.4911% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 5,271 |
| Loan loss allowance to noncurrent loans | 133.1695% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 1,737 |
| Noncurrent loans to loans | 0.4732% | 3,267 |
| Net loans and leases to total assets | 73.3308% | 2,037 |
| Net loans and leases to deposits | 82.3786% | 2,734 |
| Net loans and leases to core deposits | 86.6291% | 2,907 |
| Total domestic deposits to total assets | 89.0168% | 879 |
| Equity capital to assets | 10.4087% | 3,466 |
| Core capital (leverage) ratio | 10.0783% | 3,472 |
| Tier 1 risk-based capital ratio | 12.4173% | 4,368 |
| Total risk-based capital ratio | 12.9918% | 4,683 |
| Memoranda: | ||
| Average total assets | $350,238,250 | 1,924 |
| Average earning assets | $326,112,250 | 1,924 |
| Average equity | $35,880,750 | 2,037 |
| Average total loans | $256,737,000 | 1,785 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 1,200 |
| Cost of funding earning assets | 0.3412% | 3,677 |
| Net interest margin | 4.2880% | 887 |
| Noninterest income to average assets | 1.3761% | 563 |
| Noninterest expense to average assets | 4.1310% | 452 |
| Loan and lease loss provision to assets | 0.1199% | 1,718 |
| Net operating income to assets | 1.1135% | 1,911 |
| Return on assets (ROA) | 1.1135% | 1,957 |
| Pretax return on assets | 1.1135% | 3,121 |
| Return on Equity (ROE) | 10.9274% | 1,672 |
| Retained earnings to average equity (ytd only) | 2.4532% | 4,216 |
| Net charge-offs to loans | 0.0476% | 2,263 |
| Credit loss provision to net charge-offs | 344.2623% | 875 |
| Earnings coverage of net charge-offs (x) | 35.4262% | 1,353 |
| Efficiency ratio | 77.0082% | 1,583 |
| Assets per employee ($millions) | 2.6116% | 5,506 |
| Cash dividends to net income (ytd only)* | 77.5500% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6258% | 5,340 |
| Loan loss allowance to noncurrent loans | 85.8516% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 1,654 |
| Noncurrent loans to loans | 0.7289% | 2,563 |
| Net loans and leases to total assets | 72.9671% | 2,049 |
| Net loans and leases to deposits | 81.9428% | 2,708 |
| Net loans and leases to core deposits | 86.0468% | 2,874 |
| Total domestic deposits to total assets | 89.0464% | 930 |
| Equity capital to assets | 10.3072% | 3,563 |
| Core capital (leverage) ratio | 9.9554% | 3,593 |
| Tier 1 risk-based capital ratio | 12.3876% | 4,361 |
| Total risk-based capital ratio | 12.9613% | 4,711 |
| Memoranda: | ||
| Average total assets | $350,421,670 | 1,924 |
| Average earning assets | $325,931,670 | 1,927 |
| Average equity | $35,708,330 | 2,040 |
| Average total loans | $256,297,670 | 1,785 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 1,230 |
| Cost of funding earning assets | 0.3418% | 3,617 |
| Net interest margin | 4.2189% | 952 |
| Noninterest income to average assets | 1.4134% | 536 |
| Noninterest expense to average assets | 4.0667% | 499 |
| Loan and lease loss provision to assets | 0.1198% | 1,596 |
| Net operating income to assets | 1.1407% | 1,707 |
| Return on assets (ROA) | 1.1407% | 1,746 |
| Pretax return on assets | 1.1407% | 2,819 |
| Return on Equity (ROE) | 11.2590% | 1,481 |
| Retained earnings to average equity (ytd only) | 5.4269% | 2,649 |
| Net charge-offs to loans | -0.0109% | 4,467 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3383% | 1,861 |
| Assets per employee ($millions) | 2.7193% | 5,530 |
| Cash dividends to net income (ytd only)* | 51.8000% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 5,454 |
| Loan loss allowance to noncurrent loans | 108.0468% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 2,468 |
| Noncurrent loans to loans | 0.5700% | 3,098 |
| Net loans and leases to total assets | 71.7204% | 2,110 |
| Net loans and leases to deposits | 80.6225% | 2,665 |
| Net loans and leases to core deposits | 85.0524% | 2,812 |
| Total domestic deposits to total assets | 88.9583% | 1,160 |
| Equity capital to assets | 10.1540% | 3,567 |
| Core capital (leverage) ratio | 10.0354% | 3,452 |
| Tier 1 risk-based capital ratio | 12.5277% | 4,374 |
| Total risk-based capital ratio | 13.0941% | 4,726 |
| Memoranda: | ||
| Average total assets | $350,653,000 | 1,929 |
| Average earning assets | $325,299,000 | 1,940 |
| Average equity | $35,527,000 | 2,058 |
| Average total loans | $255,965,000 | 1,798 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 1,093 |
| Cost of funding earning assets | 0.3749% | 3,268 |
| Net interest margin | 4.3075% | 920 |
| Noninterest income to average assets | 1.3081% | 666 |
| Noninterest expense to average assets | 4.2191% | 482 |
| Loan and lease loss provision to assets | 0.1024% | 2,334 |
| Net operating income to assets | 0.9723% | 2,480 |
| Return on assets (ROA) | 0.9740% | 2,574 |
| Pretax return on assets | 0.9740% | 3,567 |
| Return on Equity (ROE) | 9.6559% | 2,126 |
| Retained earnings to average equity (ytd only) | 1.7264% | 4,548 |
| Net charge-offs to loans | 0.0927% | 2,382 |
| Credit loss provision to net charge-offs | 152.5424% | 1,794 |
| Earnings coverage of net charge-offs (x) | 16.0042% | 2,148 |
| Efficiency ratio | 79.6979% | 1,455 |
| Assets per employee ($millions) | 2.6150% | 5,608 |
| Cash dividends to net income (ytd only)* | 82.1209% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 5,580 |
| Loan loss allowance to noncurrent loans | 99.1842% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 2,520 |
| Noncurrent loans to loans | 0.5728% | 3,122 |
| Net loans and leases to total assets | 73.4227% | 1,940 |
| Net loans and leases to deposits | 82.4023% | 2,617 |
| Net loans and leases to core deposits | 87.0023% | 2,766 |
| Total domestic deposits to total assets | 89.1026% | 1,060 |
| Equity capital to assets | 10.1090% | 3,596 |
| Core capital (leverage) ratio | 9.7600% | 3,795 |
| Tier 1 risk-based capital ratio | 12.2198% | 4,562 |
| Total risk-based capital ratio | 12.7404% | 4,965 |
| Memoranda: | ||
| Average total assets | $351,422,600 | 1,897 |
| Average earning assets | $325,180,200 | 1,895 |
| Average equity | $35,449,800 | 2,056 |
| Average total loans | $254,486,200 | 1,772 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,250 |
| Cost of funding earning assets | 0.3768% | 3,262 |
| Net interest margin | 4.2455% | 1,034 |
| Noninterest income to average assets | 1.3389% | 654 |
| Noninterest expense to average assets | 4.1642% | 499 |
| Loan and lease loss provision to assets | 0.1022% | 2,209 |
| Net operating income to assets | 0.9990% | 2,437 |
| Return on assets (ROA) | 1.0009% | 2,568 |
| Pretax return on assets | 1.0009% | 3,627 |
| Return on Equity (ROE) | 9.9277% | 2,082 |
| Retained earnings to average equity (ytd only) | 2.0981% | 4,644 |
| Net charge-offs to loans | 0.0772% | 2,219 |
| Credit loss provision to net charge-offs | 183.6735% | 1,530 |
| Earnings coverage of net charge-offs (x) | 19.7954% | 1,914 |
| Efficiency ratio | 79.0858% | 1,542 |
| Assets per employee ($millions) | 2.7012% | 5,603 |
| Cash dividends to net income (ytd only)* | 78.8656% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,656 |
| Loan loss allowance to noncurrent loans | 62.2706% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 2,121 |
| Noncurrent loans to loans | 0.8997% | 2,450 |
| Net loans and leases to total assets | 72.6294% | 2,083 |
| Net loans and leases to deposits | 83.2858% | 2,572 |
| Net loans and leases to core deposits | 88.5852% | 2,705 |
| Total domestic deposits to total assets | 87.2050% | 1,800 |
| Equity capital to assets | 10.1545% | 3,976 |
| Core capital (leverage) ratio | 9.7399% | 3,888 |
| Tier 1 risk-based capital ratio | 12.0896% | 4,730 |
| Total risk-based capital ratio | 12.6057% | 5,079 |
| Memoranda: | ||
| Average total assets | $352,328,250 | 1,897 |
| Average earning assets | $325,857,750 | 1,899 |
| Average equity | $35,522,500 | 2,062 |
| Average total loans | $253,902,000 | 1,774 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5960% | 1,277 |
| Cost of funding earning assets | 0.3785% | 3,266 |
| Net interest margin | 4.2175% | 1,082 |
| Noninterest income to average assets | 1.3131% | 664 |
| Noninterest expense to average assets | 4.1776% | 503 |
| Loan and lease loss provision to assets | 0.1026% | 2,133 |
| Net operating income to assets | 0.9261% | 2,743 |
| Return on assets (ROA) | 0.9261% | 2,874 |
| Pretax return on assets | 0.9261% | 3,852 |
| Return on Equity (ROE) | 9.2083% | 2,400 |
| Retained earnings to average equity (ytd only) | -0.0170% | 5,294 |
| Net charge-offs to loans | 0.0135% | 3,270 |
| Credit loss provision to net charge-offs | 1,058.8235% | 358 |
| Earnings coverage of net charge-offs (x) | 106.1765% | 544 |
| Efficiency ratio | 80.2408% | 1,469 |
| Assets per employee ($millions) | 2.6429% | 5,713 |
| Cash dividends to net income (ytd only)* | 100.1846% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5913% | 5,696 |
| Loan loss allowance to noncurrent loans | 60.5742% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 2,058 |
| Noncurrent loans to loans | 0.9761% | 2,328 |
| Net loans and leases to total assets | 71.6512% | 2,226 |
| Net loans and leases to deposits | 82.2935% | 2,673 |
| Net loans and leases to core deposits | 86.5814% | 2,848 |
| Total domestic deposits to total assets | 87.0678% | 1,884 |
| Equity capital to assets | 10.0788% | 4,126 |
| Core capital (leverage) ratio | 9.6070% | 4,058 |
| Tier 1 risk-based capital ratio | 12.1528% | 4,731 |
| Total risk-based capital ratio | 12.6947% | 5,081 |
| Memoranda: | ||
| Average total assets | $350,917,000 | 1,906 |
| Average earning assets | $323,934,000 | 1,908 |
| Average equity | $35,294,330 | 2,077 |
| Average total loans | $251,726,670 | 1,788 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 1,241 |
| Cost of funding earning assets | 0.3797% | 3,298 |
| Net interest margin | 4.2297% | 1,039 |
| Noninterest income to average assets | 1.3987% | 570 |
| Noninterest expense to average assets | 4.1173% | 539 |
| Loan and lease loss provision to assets | 0.1027% | 1,987 |
| Net operating income to assets | 1.0929% | 1,933 |
| Return on assets (ROA) | 1.0929% | 2,031 |
| Pretax return on assets | 1.0929% | 3,121 |
| Return on Equity (ROE) | 10.8779% | 1,637 |
| Retained earnings to average equity (ytd only) | 2.8046% | 4,115 |
| Net charge-offs to loans | 0.0781% | 1,707 |
| Credit loss provision to net charge-offs | 183.6735% | 1,137 |
| Earnings coverage of net charge-offs (x) | 21.3878% | 1,431 |
| Efficiency ratio | 77.4962% | 1,969 |
| Assets per employee ($millions) | 2.6663% | 5,749 |
| Cash dividends to net income (ytd only)* | 74.2171% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5451% | 5,823 |
| Loan loss allowance to noncurrent loans | 51.8854% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 2,085 |
| Noncurrent loans to loans | 1.0506% | 2,291 |
| Net loans and leases to total assets | 71.3307% | 2,140 |
| Net loans and leases to deposits | 80.1566% | 2,770 |
| Net loans and leases to core deposits | 84.5611% | 2,888 |
| Total domestic deposits to total assets | 88.9892% | 1,104 |
| Equity capital to assets | 10.1050% | 3,940 |
| Core capital (leverage) ratio | 9.7085% | 3,900 |
| Tier 1 risk-based capital ratio | 12.4190% | 4,637 |
| Total risk-based capital ratio | 12.9241% | 5,034 |
| Memoranda: | ||
| Average total assets | $350,620,500 | 1,909 |
| Average earning assets | $324,467,000 | 1,911 |
| Average equity | $35,227,500 | 2,070 |
| Average total loans | $250,910,500 | 1,794 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,194 |
| Cost of funding earning assets | 0.4035% | 3,115 |
| Net interest margin | 4.2573% | 1,048 |
| Noninterest income to average assets | 1.3469% | 665 |
| Noninterest expense to average assets | 4.1554% | 564 |
| Loan and lease loss provision to assets | 0.0507% | 3,309 |
| Net operating income to assets | 1.0975% | 1,939 |
| Return on assets (ROA) | 1.0980% | 2,007 |
| Pretax return on assets | 1.0980% | 3,074 |
| Return on Equity (ROE) | 11.2996% | 1,508 |
| Retained earnings to average equity (ytd only) | 3.2421% | 3,746 |
| Net charge-offs to loans | 0.1604% | 1,771 |
| Credit loss provision to net charge-offs | 45.2261% | 3,471 |
| Earnings coverage of net charge-offs (x) | 10.2462% | 2,709 |
| Efficiency ratio | 78.3511% | 1,913 |
| Assets per employee ($millions) | 2.5874% | 5,846 |
| Cash dividends to net income (ytd only)* | 71.3077% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 5,891 |
| Loan loss allowance to noncurrent loans | 56.8811% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9513% | 2,287 |
| Noncurrent loans to loans | 0.9411% | 2,449 |
| Net loans and leases to total assets | 71.0186% | 2,195 |
| Net loans and leases to deposits | 79.6904% | 2,856 |
| Net loans and leases to core deposits | 83.7653% | 2,988 |
| Total domestic deposits to total assets | 89.1181% | 1,062 |
| Equity capital to assets | 9.9889% | 3,969 |
| Core capital (leverage) ratio | 9.6527% | 3,972 |
| Tier 1 risk-based capital ratio | 12.1282% | 4,868 |
| Total risk-based capital ratio | 12.6106% | 5,230 |
| Memoranda: | ||
| Average total assets | $355,179,200 | 1,843 |
| Average earning assets | $330,089,600 | 1,838 |
| Average equity | $34,514,400 | 2,068 |
| Average total loans | $248,099,800 | 1,741 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 1,279 |
| Cost of funding earning assets | 0.4048% | 3,176 |
| Net interest margin | 4.2178% | 1,126 |
| Noninterest income to average assets | 1.3260% | 691 |
| Noninterest expense to average assets | 4.1126% | 580 |
| Loan and lease loss provision to assets | 0.0336% | 3,549 |
| Net operating income to assets | 1.1017% | 1,992 |
| Return on assets (ROA) | 1.1039% | 2,067 |
| Pretax return on assets | 1.1039% | 3,214 |
| Return on Equity (ROE) | 11.4387% | 1,557 |
| Retained earnings to average equity (ytd only) | 4.1525% | 3,509 |
| Net charge-offs to loans | 0.1033% | 2,102 |
| Credit loss provision to net charge-offs | 46.8750% | 3,072 |
| Earnings coverage of net charge-offs (x) | 15.8179% | 2,157 |
| Efficiency ratio | 78.3659% | 1,902 |
| Assets per employee ($millions) | 2.5529% | 5,934 |
| Cash dividends to net income (ytd only)* | 63.6981% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5911% | 5,910 |
| Loan loss allowance to noncurrent loans | 64.2161% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 2,557 |
| Noncurrent loans to loans | 0.9205% | 2,679 |
| Net loans and leases to total assets | 69.7193% | 2,431 |
| Net loans and leases to deposits | 79.5014% | 2,936 |
| Net loans and leases to core deposits | 83.4487% | 3,108 |
| Total domestic deposits to total assets | 87.6957% | 1,706 |
| Equity capital to assets | 10.0544% | 4,090 |
| Core capital (leverage) ratio | 9.6127% | 4,149 |
| Tier 1 risk-based capital ratio | 11.9461% | 5,111 |
| Total risk-based capital ratio | 12.4632% | 5,437 |
| Memoranda: | ||
| Average total assets | $356,650,000 | 1,850 |
| Average earning assets | $331,637,000 | 1,842 |
| Average equity | $34,420,250 | 2,083 |
| Average total loans | $247,774,750 | 1,757 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,308 |
| Cost of funding earning assets | 0.4060% | 3,214 |
| Net interest margin | 4.1823% | 1,142 |
| Noninterest income to average assets | 1.2915% | 733 |
| Noninterest expense to average assets | 4.0975% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0910% | 1,979 |
| Return on assets (ROA) | 1.0943% | 2,071 |
| Pretax return on assets | 1.0943% | 3,198 |
| Return on Equity (ROE) | 11.4948% | 1,523 |
| Retained earnings to average equity (ytd only) | 2.4172% | 4,514 |
| Net charge-offs to loans | 0.1046% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.0615% | 2,003 |
| Efficiency ratio | 78.9734% | 1,922 |
| Assets per employee ($millions) | 2.6041% | 5,976 |
| Cash dividends to net income (ytd only)* | 78.9715% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 6,017 |
| Loan loss allowance to noncurrent loans | 91.1538% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 3,258 |
| Noncurrent loans to loans | 0.6271% | 3,592 |
| Net loans and leases to total assets | 69.8352% | 2,336 |
| Net loans and leases to deposits | 78.8134% | 2,924 |
| Net loans and leases to core deposits | 82.9701% | 3,086 |
| Total domestic deposits to total assets | 88.6083% | 1,355 |
| Equity capital to assets | 9.6075% | 4,523 |
| Core capital (leverage) ratio | 9.2346% | 4,641 |
| Tier 1 risk-based capital ratio | 12.3830% | 4,892 |
| Total risk-based capital ratio | 12.9195% | 5,273 |
| Memoranda: | ||
| Average total assets | $358,950,670 | 1,846 |
| Average earning assets | $334,455,330 | 1,847 |
| Average equity | $34,172,000 | 2,108 |
| Average total loans | $248,602,330 | 1,751 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 1,260 |
| Cost of funding earning assets | 0.4018% | 3,283 |
| Net interest margin | 4.1819% | 1,107 |
| Noninterest income to average assets | 1.2763% | 705 |
| Noninterest expense to average assets | 4.1047% | 618 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0660% | 1,982 |
| Return on assets (ROA) | 1.0716% | 2,087 |
| Pretax return on assets | 1.0716% | 3,208 |
| Return on Equity (ROE) | 11.3068% | 1,546 |
| Retained earnings to average equity (ytd only) | 0.8760% | 5,113 |
| Net charge-offs to loans | 0.1127% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.7571% | 1,701 |
| Efficiency ratio | 79.3834% | 1,974 |
| Assets per employee ($millions) | 2.6860% | 5,978 |
| Cash dividends to net income (ytd only)* | 92.2521% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5927% | 6,074 |
| Loan loss allowance to noncurrent loans | 57.1980% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 2,551 |
| Noncurrent loans to loans | 1.0363% | 2,693 |
| Net loans and leases to total assets | 69.0531% | 2,279 |
| Net loans and leases to deposits | 76.8807% | 2,946 |
| Net loans and leases to core deposits | 80.9146% | 3,064 |
| Total domestic deposits to total assets | 89.8186% | 833 |
| Equity capital to assets | 9.5791% | 4,661 |
| Core capital (leverage) ratio | 9.4865% | 4,299 |
| Tier 1 risk-based capital ratio | 11.9023% | 5,306 |
| Total risk-based capital ratio | 12.4456% | 5,628 |
| Memoranda: | ||
| Average total assets | $361,345,500 | 1,837 |
| Average earning assets | $336,501,500 | 1,830 |
| Average equity | $34,245,000 | 2,118 |
| Average total loans | $248,528,000 | 1,753 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,182 |
| Cost of funding earning assets | 0.5076% | 2,594 |
| Net interest margin | 4.2577% | 1,148 |
| Noninterest income to average assets | 1.1640% | 890 |
| Noninterest expense to average assets | 4.2651% | 567 |
| Loan and lease loss provision to assets | 0.0273% | 4,061 |
| Net operating income to assets | 0.8294% | 3,227 |
| Return on assets (ROA) | 0.8294% | 3,316 |
| Pretax return on assets | 0.8294% | 4,144 |
| Return on Equity (ROE) | 9.4654% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.2729% | 1,769 |
| Net charge-offs to loans | -0.0255% | 5,752 |
| Credit loss provision to net charge-offs | -161.2903% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1673% | 1,500 |
| Assets per employee ($millions) | 2.5912% | 6,110 |
| Cash dividends to net income (ytd only)* | 33.7282% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 6,102 |
| Loan loss allowance to noncurrent loans | 54.7795% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 2,127 |
| Noncurrent loans to loans | 1.1476% | 2,550 |
| Net loans and leases to total assets | 67.6693% | 2,613 |
| Net loans and leases to deposits | 75.2068% | 3,289 |
| Net loans and leases to core deposits | 79.4337% | 3,359 |
| Total domestic deposits to total assets | 89.9777% | 739 |
| Equity capital to assets | 9.3759% | 4,883 |
| Core capital (leverage) ratio | 9.0459% | 4,917 |
| Tier 1 risk-based capital ratio | 12.2009% | 5,225 |
| Total risk-based capital ratio | 12.7863% | 5,555 |
| Memoranda: | ||
| Average total assets | $366,415,000 | 1,775 |
| Average earning assets | $340,609,000 | 1,754 |
| Average equity | $32,106,400 | 2,158 |
| Average total loans | $243,238,600 | 1,735 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 1,203 |
| Cost of funding earning assets | 0.5285% | 2,482 |
| Net interest margin | 4.2159% | 1,237 |
| Noninterest income to average assets | 1.0998% | 1,004 |
| Noninterest expense to average assets | 4.1531% | 643 |
| Loan and lease loss provision to assets | 0.0363% | 3,681 |
| Net operating income to assets | 0.8312% | 3,282 |
| Return on assets (ROA) | 0.8312% | 3,368 |
| Pretax return on assets | 0.8312% | 4,254 |
| Return on Equity (ROE) | 9.6531% | 2,378 |
| Retained earnings to average equity (ytd only) | 7.4400% | 1,600 |
| Net charge-offs to loans | -0.1007% | 6,138 |
| Credit loss provision to net charge-offs | -54.6448% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5911% | 1,539 |
| Assets per employee ($millions) | 2.5001% | 6,227 |
| Cash dividends to net income (ytd only)* | 22.9257% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 6,135 |
| Loan loss allowance to noncurrent loans | 68.1596% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 2,549 |
| Noncurrent loans to loans | 0.9904% | 3,095 |
| Net loans and leases to total assets | 67.9425% | 2,544 |
| Net loans and leases to deposits | 75.9809% | 3,183 |
| Net loans and leases to core deposits | 80.5889% | 3,241 |
| Total domestic deposits to total assets | 89.4205% | 1,017 |
| Equity capital to assets | 9.1421% | 5,220 |
| Core capital (leverage) ratio | 8.9579% | 5,123 |
| Tier 1 risk-based capital ratio | 12.0048% | 5,481 |
| Total risk-based capital ratio | 12.6310% | 5,782 |
| Memoranda: | ||
| Average total assets | $367,328,500 | 1,782 |
| Average earning assets | $341,619,000 | 1,757 |
| Average equity | $31,630,000 | 2,191 |
| Average total loans | $242,290,500 | 1,751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7251% | 1,233 |
| Cost of funding earning assets | 0.5527% | 2,323 |
| Net interest margin | 4.1724% | 1,306 |
| Noninterest income to average assets | 1.0023% | 1,190 |
| Noninterest expense to average assets | 4.1514% | 634 |
| Loan and lease loss provision to assets | 0.0542% | 3,218 |
| Net operating income to assets | 0.6765% | 3,959 |
| Return on assets (ROA) | 0.6765% | 4,063 |
| Pretax return on assets | 0.6765% | 4,720 |
| Return on Equity (ROE) | 8.0189% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.7700% | 2,471 |
| Net charge-offs to loans | -0.2288% | 6,372 |
| Credit loss provision to net charge-offs | -36.3636% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0322% | 1,378 |
| Assets per employee ($millions) | 2.5650% | 6,243 |
| Cash dividends to net income (ytd only)* | 28.0449% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 6,137 |
| Loan loss allowance to noncurrent loans | 70.8668% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 2,466 |
| Noncurrent loans to loans | 1.0205% | 3,195 |
| Net loans and leases to total assets | 66.5557% | 2,662 |
| Net loans and leases to deposits | 73.5810% | 3,379 |
| Net loans and leases to core deposits | 77.9007% | 3,450 |
| Total domestic deposits to total assets | 90.4522% | 606 |
| Equity capital to assets | 8.8666% | 5,448 |
| Core capital (leverage) ratio | 8.5091% | 5,629 |
| Tier 1 risk-based capital ratio | 12.0199% | 5,531 |
| Total risk-based capital ratio | 12.6999% | 5,782 |
| Memoranda: | ||
| Average total assets | $368,934,330 | 1,777 |
| Average earning assets | $343,064,000 | 1,748 |
| Average equity | $31,126,330 | 2,209 |
| Average total loans | $240,396,330 | 1,757 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 1,840 |
| Cost of funding earning assets | 0.5735% | 2,218 |
| Net interest margin | 3.9170% | 2,029 |
| Noninterest income to average assets | 0.6884% | 2,235 |
| Noninterest expense to average assets | 4.0185% | 741 |
| Loan and lease loss provision to assets | 0.1142% | 2,048 |
| Net operating income to assets | 0.1982% | 5,807 |
| Return on assets (ROA) | 0.1982% | 5,854 |
| Pretax return on assets | 0.1982% | 5,919 |
| Return on Equity (ROE) | 2.4098% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.4098% | 4,627 |
| Net charge-offs to loans | 0.1124% | 2,055 |
| Credit loss provision to net charge-offs | 158.2090% | 1,210 |
| Earnings coverage of net charge-offs (x) | 4.3284% | 2,542 |
| Efficiency ratio | 92.7861% | 827 |
| Assets per employee ($millions) | 2.6322% | 6,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6037% | 6,402 |
| Loan loss allowance to noncurrent loans | 68.5043% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2203% | 2,822 |
| Noncurrent loans to loans | 0.8813% | 3,680 |
| Net loans and leases to total assets | 63.3923% | 2,999 |
| Net loans and leases to deposits | 69.5952% | 3,650 |
| Net loans and leases to core deposits | 73.7434% | 3,674 |
| Total domestic deposits to total assets | 91.0871% | 541 |
| Equity capital to assets | 8.3220% | 5,807 |
| Core capital (leverage) ratio | 8.2049% | 5,944 |
| Tier 1 risk-based capital ratio | 12.0727% | 5,596 |
| Total risk-based capital ratio | 12.6385% | 5,922 |
| Memoranda: | ||
| Average total assets | $371,285,500 | 1,775 |
| Average earning assets | $345,265,000 | 1,747 |
| Average equity | $30,542,000 | 2,237 |
| Average total loans | $238,503,000 | 1,769 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 2,420 |
| Cost of funding earning assets | 0.6179% | 2,505 |
| Net interest margin | 3.8251% | 2,551 |
| Noninterest income to average assets | 1.4191% | 697 |
| Noninterest expense to average assets | 3.9858% | 886 |
| Loan and lease loss provision to assets | 0.1327% | 2,652 |
| Net operating income to assets | 0.8878% | 2,841 |
| Return on assets (ROA) | 0.7829% | 3,486 |
| Pretax return on assets | 0.7829% | 4,209 |
| Return on Equity (ROE) | 8.3378% | 2,864 |
| Retained earnings to average equity (ytd only) | 2.1419% | 4,717 |
| Net charge-offs to loans | 0.3185% | 2,090 |
| Credit loss provision to net charge-offs | 64.1026% | 3,448 |
| Earnings coverage of net charge-offs (x) | 4.9279% | 3,421 |
| Efficiency ratio | 79.5625% | 2,227 |
| Assets per employee ($millions) | 2.5268% | 6,383 |
| Cash dividends to net income (ytd only)* | 74.3111% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5789% | 6,499 |
| Loan loss allowance to noncurrent loans | 42.7080% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 2,451 |
| Noncurrent loans to loans | 1.3554% | 2,870 |
| Net loans and leases to total assets | 64.3220% | 2,989 |
| Net loans and leases to deposits | 70.9450% | 3,659 |
| Net loans and leases to core deposits | 75.9539% | 3,614 |
| Total domestic deposits to total assets | 90.6645% | 722 |
| Equity capital to assets | 8.1301% | 5,919 |
| Core capital (leverage) ratio | 8.1834% | 5,990 |
| Tier 1 risk-based capital ratio | 11.3862% | 5,973 |
| Total risk-based capital ratio | 11.9091% | 6,266 |
| Memoranda: | ||
| Average total assets | $301,322,400 | 2,139 |
| Average earning assets | $282,578,600 | 2,092 |
| Average equity | $28,293,000 | 2,358 |
| Average total loans | $195,918,400 | 2,039 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,516 |
| Cost of funding earning assets | 0.6365% | 2,493 |
| Net interest margin | 3.7853% | 2,700 |
| Noninterest income to average assets | 1.4151% | 737 |
| Noninterest expense to average assets | 3.9450% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0355% | 2,240 |
| Return on assets (ROA) | 1.0355% | 2,322 |
| Pretax return on assets | 1.0355% | 3,352 |
| Return on Equity (ROE) | 10.5641% | 1,976 |
| Retained earnings to average equity (ytd only) | 4.5583% | 3,430 |
| Net charge-offs to loans | 0.1378% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.5393% | 2,231 |
| Efficiency ratio | 79.2095% | 2,231 |
| Assets per employee ($millions) | 2.4671% | 6,500 |
| Cash dividends to net income (ytd only)* | 56.8511% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 6,336 |
| Loan loss allowance to noncurrent loans | 62.1563% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 3,040 |
| Noncurrent loans to loans | 1.2360% | 3,340 |
| Net loans and leases to total assets | 64.2695% | 2,959 |
| Net loans and leases to deposits | 72.0335% | 3,512 |
| Net loans and leases to core deposits | 77.3162% | 3,455 |
| Total domestic deposits to total assets | 89.2216% | 1,445 |
| Equity capital to assets | 10.0932% | 3,777 |
| Core capital (leverage) ratio | 10.3920% | 3,115 |
| Tier 1 risk-based capital ratio | 14.7183% | 3,937 |
| Total risk-based capital ratio | 15.4262% | 4,249 |
| Memoranda: | ||
| Average total assets | $283,794,750 | 2,253 |
| Average earning assets | $267,305,750 | 2,208 |
| Average equity | $27,816,750 | 2,422 |
| Average total loans | $184,822,000 | 2,158 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,640 |
| Cost of funding earning assets | 0.6672% | 2,338 |
| Net interest margin | 3.7130% | 2,908 |
| Noninterest income to average assets | 1.4205% | 784 |
| Noninterest expense to average assets | 3.9350% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9781% | 2,421 |
| Return on assets (ROA) | 0.9781% | 2,572 |
| Pretax return on assets | 0.9781% | 3,610 |
| Return on Equity (ROE) | 10.0799% | 2,165 |
| Retained earnings to average equity (ytd only) | 3.9984% | 3,750 |
| Net charge-offs to loans | 0.0130% | 4,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 115.3333% | 418 |
| Efficiency ratio | 80.0921% | 2,143 |
| Assets per employee ($millions) | 2.4000% | 6,575 |
| Cash dividends to net income (ytd only)* | 60.3324% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 6,256 |
| Loan loss allowance to noncurrent loans | 55.5825% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4145% | 2,983 |
| Noncurrent loans to loans | 1.5255% | 3,015 |
| Net loans and leases to total assets | 66.7563% | 2,459 |
| Net loans and leases to deposits | 74.2211% | 3,121 |
| Net loans and leases to core deposits | 80.3366% | 2,987 |
| Total domestic deposits to total assets | 89.9425% | 1,060 |
| Equity capital to assets | 9.3556% | 4,778 |
| Core capital (leverage) ratio | 9.5135% | 4,227 |
| Tier 1 risk-based capital ratio | 13.4201% | 4,824 |
| Total risk-based capital ratio | 14.2118% | 5,104 |
| Memoranda: | ||
| Average total assets | $282,998,330 | 2,270 |
| Average earning assets | $266,201,000 | 2,221 |
| Average equity | $27,460,670 | 2,461 |
| Average total loans | $184,645,000 | 2,160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,901 |
| Cost of funding earning assets | 0.6902% | 2,310 |
| Net interest margin | 3.6081% | 3,227 |
| Noninterest income to average assets | 1.3728% | 817 |
| Noninterest expense to average assets | 3.8353% | 1,068 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9307% | 2,519 |
| Return on assets (ROA) | 0.9307% | 2,658 |
| Pretax return on assets | 0.9307% | 3,648 |
| Return on Equity (ROE) | 9.4242% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.4242% | 1,266 |
| Net charge-offs to loans | -0.0943% | 6,420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4727% | 2,259 |
| Assets per employee ($millions) | 2.4657% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 6,229 |
| Loan loss allowance to noncurrent loans | 59.1786% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 2,938 |
| Noncurrent loans to loans | 1.5436% | 3,235 |
| Net loans and leases to total assets | 62.8416% | 2,913 |
| Net loans and leases to deposits | 70.2078% | 3,444 |
| Net loans and leases to core deposits | 76.3051% | 3,274 |
| Total domestic deposits to total assets | 89.5080% | 1,353 |
| Equity capital to assets | 9.8735% | 4,313 |
| Core capital (leverage) ratio | 9.5470% | 4,003 |
| Tier 1 risk-based capital ratio | 13.9041% | 4,576 |
| Total risk-based capital ratio | 14.7493% | 4,830 |
| Memoranda: | ||
| Average total assets | $284,095,000 | 2,295 |
| Average earning assets | $267,178,500 | 2,234 |
| Average equity | $28,055,500 | 2,438 |
| Average total loans | $182,438,500 | 2,185 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 2,694 |
| Cost of funding earning assets | 0.8439% | 2,335 |
| Net interest margin | 3.8297% | 3,102 |
| Noninterest income to average assets | 1.4328% | 765 |
| Noninterest expense to average assets | 4.0041% | 969 |
| Loan and lease loss provision to assets | 0.1084% | 4,280 |
| Net operating income to assets | 0.9209% | 2,704 |
| Return on assets (ROA) | 1.0643% | 2,259 |
| Pretax return on assets | 1.0643% | 3,294 |
| Return on Equity (ROE) | 10.2245% | 2,079 |
| Retained earnings to average equity (ytd only) | 0.2395% | 5,732 |
| Net charge-offs to loans | 0.2326% | 3,543 |
| Credit loss provision to net charge-offs | 71.7703% | 4,106 |
| Earnings coverage of net charge-offs (x) | 6.8158% | 2,733 |
| Efficiency ratio | 79.5507% | 2,203 |
| Assets per employee ($millions) | 2.4325% | 6,673 |
| Cash dividends to net income (ytd only)* | 97.6578% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 6,310 |
| Loan loss allowance to noncurrent loans | 75.2914% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3357% | 3,408 |
| Noncurrent loans to loans | 1.1691% | 3,899 |
| Net loans and leases to total assets | 64.4524% | 2,818 |
| Net loans and leases to deposits | 71.9316% | 3,422 |
| Net loans and leases to core deposits | 78.5622% | 3,189 |
| Total domestic deposits to total assets | 89.6024% | 1,188 |
| Equity capital to assets | 9.8773% | 4,343 |
| Core capital (leverage) ratio | 9.5474% | 4,039 |
| Tier 1 risk-based capital ratio | 13.4289% | 4,807 |
| Total risk-based capital ratio | 14.2452% | 5,050 |
| Memoranda: | ||
| Average total assets | $276,792,000 | 2,295 |
| Average earning assets | $260,230,000 | 2,239 |
| Average equity | $28,813,200 | 2,336 |
| Average total loans | $179,742,800 | 2,205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 2,695 |
| Cost of funding earning assets | 0.8955% | 2,202 |
| Net interest margin | 3.8282% | 3,217 |
| Noninterest income to average assets | 1.4323% | 731 |
| Noninterest expense to average assets | 4.0186% | 915 |
| Loan and lease loss provision to assets | 0.0145% | 5,632 |
| Net operating income to assets | 0.9996% | 2,503 |
| Return on assets (ROA) | 1.0213% | 2,633 |
| Pretax return on assets | 1.0213% | 3,631 |
| Return on Equity (ROE) | 9.6846% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.8928% | 3,444 |
| Net charge-offs to loans | 0.1126% | 4,258 |
| Credit loss provision to net charge-offs | 19.8675% | 4,957 |
| Earnings coverage of net charge-offs (x) | 13.8740% | 1,879 |
| Efficiency ratio | 79.8500% | 2,115 |
| Assets per employee ($millions) | 2.3632% | 6,815 |
| Cash dividends to net income (ytd only)* | 49.4789% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 6,435 |
| Loan loss allowance to noncurrent loans | 68.4792% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 3,718 |
| Noncurrent loans to loans | 1.2826% | 3,899 |
| Net loans and leases to total assets | 66.9397% | 2,478 |
| Net loans and leases to deposits | 75.8883% | 2,998 |
| Net loans and leases to core deposits | 81.2302% | 3,057 |
| Total domestic deposits to total assets | 88.2082% | 1,911 |
| Equity capital to assets | 10.9809% | 3,300 |
| Core capital (leverage) ratio | 9.9061% | 3,684 |
| Tier 1 risk-based capital ratio | 14.0125% | 4,507 |
| Total risk-based capital ratio | 14.8329% | 4,791 |
| Memoranda: | ||
| Average total assets | $275,447,250 | 2,327 |
| Average earning assets | $259,052,250 | 2,265 |
| Average equity | $29,048,750 | 2,332 |
| Average total loans | $178,808,250 | 2,244 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 2,706 |
| Cost of funding earning assets | 0.9284% | 2,200 |
| Net interest margin | 3.8253% | 3,240 |
| Noninterest income to average assets | 1.4537% | 691 |
| Noninterest expense to average assets | 3.9296% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1190% | 1,985 |
| Return on assets (ROA) | 1.1515% | 2,087 |
| Pretax return on assets | 1.1515% | 3,115 |
| Return on Equity (ROE) | 11.0686% | 1,969 |
| Retained earnings to average equity (ytd only) | 6.2326% | 2,545 |
| Net charge-offs to loans | 0.0700% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 24.9677% | 1,210 |
| Efficiency ratio | 77.8351% | 2,483 |
| Assets per employee ($millions) | 2.4323% | 6,810 |
| Cash dividends to net income (ytd only)* | 43.6911% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 6,372 |
| Loan loss allowance to noncurrent loans | 128.5604% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9388% | 4,494 |
| Noncurrent loans to loans | 0.7263% | 5,054 |
| Net loans and leases to total assets | 63.3479% | 3,176 |
| Net loans and leases to deposits | 71.3823% | 3,703 |
| Net loans and leases to core deposits | 76.7149% | 3,690 |
| Total domestic deposits to total assets | 88.7446% | 1,673 |
| Equity capital to assets | 10.4846% | 3,708 |
| Core capital (leverage) ratio | 9.6989% | 3,835 |
| Tier 1 risk-based capital ratio | 14.2323% | 4,281 |
| Total risk-based capital ratio | 15.1017% | 4,533 |
| Memoranda: | ||
| Average total assets | $276,672,000 | 2,324 |
| Average earning assets | $260,004,670 | 2,256 |
| Average equity | $28,784,000 | 2,341 |
| Average total loans | $177,232,330 | 2,268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 2,178 |
| Cost of funding earning assets | 0.9465% | 2,326 |
| Net interest margin | 3.9702% | 2,627 |
| Noninterest income to average assets | 1.4741% | 668 |
| Noninterest expense to average assets | 3.9193% | 1,039 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2808% | 1,502 |
| Return on assets (ROA) | 1.3316% | 1,533 |
| Pretax return on assets | 1.3316% | 2,422 |
| Return on Equity (ROE) | 12.8505% | 1,450 |
| Retained earnings to average equity (ytd only) | 12.8505% | 707 |
| Net charge-offs to loans | 0.2925% | 2,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 6.8295% | 2,153 |
| Efficiency ratio | 75.3704% | 2,875 |
| Assets per employee ($millions) | 2.4430% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 6,505 |
| Loan loss allowance to noncurrent loans | 334.8643% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 5,227 |
| Noncurrent loans to loans | 0.2729% | 6,133 |
| Net loans and leases to total assets | 61.9164% | 3,271 |
| Net loans and leases to deposits | 69.4694% | 3,807 |
| Net loans and leases to core deposits | 74.4927% | 3,836 |
| Total domestic deposits to total assets | 89.1276% | 1,620 |
| Equity capital to assets | 10.2862% | 3,743 |
| Core capital (leverage) ratio | 9.7965% | 3,649 |
| Tier 1 risk-based capital ratio | 14.6527% | 3,981 |
| Total risk-based capital ratio | 15.5127% | 4,242 |
| Memoranda: | ||
| Average total assets | $275,151,000 | 2,348 |
| Average earning assets | $258,221,000 | 2,297 |
| Average equity | $28,512,500 | 2,361 |
| Average total loans | $176,417,000 | 2,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1754% | 2,164 |
| Cost of funding earning assets | 1.0939% | 2,710 |
| Net interest margin | 4.0816% | 2,519 |
| Noninterest income to average assets | 1.7898% | 447 |
| Noninterest expense to average assets | 4.1895% | 819 |
| Loan and lease loss provision to assets | 0.2803% | 3,427 |
| Net operating income to assets | 1.1423% | 1,688 |
| Return on assets (ROA) | 1.1817% | 1,677 |
| Pretax return on assets | 1.1817% | 2,517 |
| Return on Equity (ROE) | 11.1007% | 1,664 |
| Retained earnings to average equity (ytd only) | 3.5804% | 3,683 |
| Net charge-offs to loans | 0.2487% | 4,219 |
| Credit loss provision to net charge-offs | 160.7539% | 1,718 |
| Earnings coverage of net charge-offs (x) | 8.1596% | 2,202 |
| Efficiency ratio | 74.6522% | 3,113 |
| Assets per employee ($millions) | 2.3628% | 6,952 |
| Cash dividends to net income (ytd only)* | 67.7462% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 6,312 |
| Loan loss allowance to noncurrent loans | 41.5348% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 2,876 |
| Noncurrent loans to loans | 2.3522% | 2,790 |
| Net loans and leases to total assets | 65.1725% | 2,942 |
| Net loans and leases to deposits | 73.4688% | 3,587 |
| Net loans and leases to core deposits | 79.6665% | 3,489 |
| Total domestic deposits to total assets | 88.7078% | 1,713 |
| Equity capital to assets | 10.4421% | 3,595 |
| Core capital (leverage) ratio | 9.9147% | 3,432 |
| Tier 1 risk-based capital ratio | 14.2634% | 4,138 |
| Total risk-based capital ratio | 15.1997% | 4,316 |
| Memoranda: | ||
| Average total assets | $258,694,800 | 2,436 |
| Average earning assets | $242,259,400 | 2,381 |
| Average equity | $27,538,800 | 2,353 |
| Average total loans | $181,314,400 | 2,224 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 2,162 |
| Cost of funding earning assets | 1.1285% | 2,776 |
| Net interest margin | 4.0840% | 2,533 |
| Noninterest income to average assets | 1.8945% | 414 |
| Noninterest expense to average assets | 4.1510% | 842 |
| Loan and lease loss provision to assets | 0.0911% | 5,316 |
| Net operating income to assets | 1.4764% | 986 |
| Return on assets (ROA) | 1.5284% | 959 |
| Pretax return on assets | 1.5284% | 1,581 |
| Return on Equity (ROE) | 14.2862% | 980 |
| Retained earnings to average equity (ytd only) | 8.2358% | 1,415 |
| Net charge-offs to loans | 0.0190% | 5,890 |
| Credit loss provision to net charge-offs | 673.0769% | 406 |
| Earnings coverage of net charge-offs (x) | 115.7551% | 310 |
| Efficiency ratio | 72.5890% | 3,442 |
| Assets per employee ($millions) | 2.3206% | 7,063 |
| Cash dividends to net income (ytd only)* | 42.3508% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 6,662 |
| Loan loss allowance to noncurrent loans | 19.6023% | 6,690 |
| Noncurrent assets plus other real estate owned to assets | 3.2182% | 1,977 |
| Noncurrent loans to loans | 4.4837% | 1,435 |
| Net loans and leases to total assets | 69.1128% | 2,257 |
| Net loans and leases to deposits | 78.3649% | 2,907 |
| Net loans and leases to core deposits | 85.7956% | 2,804 |
| Total domestic deposits to total assets | 88.1935% | 1,930 |
| Equity capital to assets | 11.0823% | 3,065 |
| Core capital (leverage) ratio | 10.4650% | 2,906 |
| Tier 1 risk-based capital ratio | 14.1250% | 4,259 |
| Total risk-based capital ratio | 14.9638% | 4,531 |
| Memoranda: | ||
| Average total assets | $256,028,000 | 2,472 |
| Average earning assets | $239,729,000 | 2,410 |
| Average equity | $27,391,750 | 2,366 |
| Average total loans | $182,322,500 | 2,231 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 2,425 |
| Cost of funding earning assets | 1.1702% | 2,775 |
| Net interest margin | 3.9887% | 2,894 |
| Noninterest income to average assets | 1.5018% | 571 |
| Noninterest expense to average assets | 4.0486% | 977 |
| Loan and lease loss provision to assets | 0.0788% | 5,327 |
| Net operating income to assets | 1.1057% | 1,855 |
| Return on assets (ROA) | 1.1844% | 1,711 |
| Pretax return on assets | 1.1844% | 2,543 |
| Return on Equity (ROE) | 11.2091% | 1,723 |
| Retained earnings to average equity (ytd only) | 5.0307% | 2,991 |
| Net charge-offs to loans | -0.1186% | 7,202 |
| Credit loss provision to net charge-offs | -92.5926% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3664% | 2,802 |
| Assets per employee ($millions) | 2.3294% | 7,091 |
| Cash dividends to net income (ytd only)* | 55.1197% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 6,594 |
| Loan loss allowance to noncurrent loans | 28.6500% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3221% | 2,832 |
| Noncurrent loans to loans | 3.2212% | 2,221 |
| Net loans and leases to total assets | 69.8029% | 2,261 |
| Net loans and leases to deposits | 78.7023% | 3,005 |
| Net loans and leases to core deposits | 85.9411% | 2,916 |
| Total domestic deposits to total assets | 88.6923% | 1,722 |
| Equity capital to assets | 10.6844% | 3,303 |
| Core capital (leverage) ratio | 10.0654% | 3,182 |
| Tier 1 risk-based capital ratio | 13.3983% | 4,613 |
| Total risk-based capital ratio | 14.2561% | 4,891 |
| Memoranda: | ||
| Average total assets | $253,961,330 | 2,504 |
| Average earning assets | $237,573,330 | 2,449 |
| Average equity | $26,835,330 | 2,399 |
| Average total loans | $182,150,000 | 2,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 2,506 |
| Cost of funding earning assets | 1.2193% | 2,687 |
| Net interest margin | 3.9120% | 3,083 |
| Noninterest income to average assets | 1.5600% | 535 |
| Noninterest expense to average assets | 4.0217% | 1,008 |
| Loan and lease loss provision to assets | 0.0396% | 5,500 |
| Net operating income to assets | 1.1534% | 1,655 |
| Return on assets (ROA) | 1.1534% | 1,701 |
| Pretax return on assets | 1.1534% | 2,545 |
| Return on Equity (ROE) | 10.9771% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.9771% | 904 |
| Net charge-offs to loans | 0.0087% | 4,981 |
| Credit loss provision to net charge-offs | 625.0000% | 598 |
| Earnings coverage of net charge-offs (x) | 188.5000% | 164 |
| Efficiency ratio | 77.1238% | 2,967 |
| Assets per employee ($millions) | 2.4067% | 7,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 6,879 |
| Loan loss allowance to noncurrent loans | 22.2272% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 2.5688% | 2,662 |
| Noncurrent loans to loans | 3.6816% | 2,003 |
| Net loans and leases to total assets | 68.9654% | 2,331 |
| Net loans and leases to deposits | 77.4083% | 3,171 |
| Net loans and leases to core deposits | 84.3544% | 3,121 |
| Total domestic deposits to total assets | 89.0930% | 1,721 |
| Equity capital to assets | 10.3714% | 3,323 |
| Core capital (leverage) ratio | 10.0915% | 3,051 |
| Tier 1 risk-based capital ratio | 13.7752% | 4,229 |
| Total risk-based capital ratio | 14.5575% | 4,552 |
| Memoranda: | ||
| Average total assets | $252,825,500 | 2,541 |
| Average earning assets | $236,197,000 | 2,484 |
| Average equity | $26,564,500 | 2,402 |
| Average total loans | $182,963,000 | 2,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8264% | 1,206 |
| Cost of funding earning assets | 1.3696% | 3,454 |
| Net interest margin | 4.4569% | 1,335 |
| Noninterest income to average assets | 1.6122% | 561 |
| Noninterest expense to average assets | 4.3605% | 760 |
| Loan and lease loss provision to assets | 0.2794% | 4,575 |
| Net operating income to assets | 1.0831% | 1,749 |
| Return on assets (ROA) | 1.2658% | 1,321 |
| Pretax return on assets | 1.2658% | 2,029 |
| Return on Equity (ROE) | 11.1891% | 1,528 |
| Retained earnings to average equity (ytd only) | 4.0349% | 3,033 |
| Net charge-offs to loans | 0.3564% | 4,235 |
| Credit loss provision to net charge-offs | 97.8916% | 4,732 |
| Earnings coverage of net charge-offs (x) | 4.7741% | 2,812 |
| Efficiency ratio | 76.1923% | 3,026 |
| Assets per employee ($millions) | 2.1940% | 7,306 |
| Cash dividends to net income (ytd only)* | 63.9389% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 6,992 |
| Loan loss allowance to noncurrent loans | 246.8697% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 6,612 |
| Noncurrent loans to loans | 0.3191% | 6,417 |
| Net loans and leases to total assets | 74.7702% | 1,528 |
| Net loans and leases to deposits | 84.3866% | 2,391 |
| Net loans and leases to core deposits | 92.2571% | 2,474 |
| Total domestic deposits to total assets | 88.6043% | 1,890 |
| Equity capital to assets | 10.6505% | 3,024 |
| Core capital (leverage) ratio | 10.7409% | 2,355 |
| Tier 1 risk-based capital ratio | 13.2231% | 4,439 |
| Total risk-based capital ratio | 13.9860% | 4,803 |
| Memoranda: | ||
| Average total assets | $232,659,000 | 2,712 |
| Average earning assets | $214,590,600 | 2,691 |
| Average equity | $26,320,200 | 2,428 |
| Average total loans | $186,326,400 | 2,286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 1,109 |
| Cost of funding earning assets | 1.3771% | 3,729 |
| Net interest margin | 4.5337% | 1,182 |
| Noninterest income to average assets | 1.6751% | 502 |
| Noninterest expense to average assets | 4.4371% | 639 |
| Loan and lease loss provision to assets | 0.0785% | 6,266 |
| Net operating income to assets | 1.3310% | 1,281 |
| Return on assets (ROA) | 1.5757% | 852 |
| Pretax return on assets | 1.5757% | 1,405 |
| Return on Equity (ROE) | 13.7137% | 1,092 |
| Retained earnings to average equity (ytd only) | 8.4680% | 1,247 |
| Net charge-offs to loans | 0.0400% | 6,152 |
| Credit loss provision to net charge-offs | 241.0714% | 1,403 |
| Earnings coverage of net charge-offs (x) | 43.3063% | 643 |
| Efficiency ratio | 75.8922% | 2,976 |
| Assets per employee ($millions) | 2.0936% | 7,468 |
| Cash dividends to net income (ytd only)* | 38.2515% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 6,976 |
| Loan loss allowance to noncurrent loans | 103.4667% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 5,392 |
| Noncurrent loans to loans | 0.7864% | 5,640 |
| Net loans and leases to total assets | 79.2687% | 856 |
| Net loans and leases to deposits | 90.2882% | 1,687 |
| Net loans and leases to core deposits | 99.5480% | 1,890 |
| Total domestic deposits to total assets | 87.7952% | 2,095 |
| Equity capital to assets | 11.4104% | 2,597 |
| Core capital (leverage) ratio | 11.1514% | 2,158 |
| Tier 1 risk-based capital ratio | 13.3156% | 4,339 |
| Total risk-based capital ratio | 14.1143% | 4,672 |
| Memoranda: | ||
| Average total assets | $229,392,500 | 2,796 |
| Average earning assets | $211,064,000 | 2,779 |
| Average equity | $26,357,500 | 2,466 |
| Average total loans | $186,611,000 | 2,314 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 1,128 |
| Cost of funding earning assets | 1.3771% | 4,020 |
| Net interest margin | 4.5469% | 1,107 |
| Noninterest income to average assets | 1.6650% | 462 |
| Noninterest expense to average assets | 4.4905% | 582 |
| Loan and lease loss provision to assets | 0.0795% | 6,144 |
| Net operating income to assets | 1.2735% | 1,378 |
| Return on assets (ROA) | 1.6306% | 731 |
| Pretax return on assets | 1.6306% | 1,210 |
| Return on Equity (ROE) | 14.1566% | 1,010 |
| Retained earnings to average equity (ytd only) | 8.8469% | 1,157 |
| Net charge-offs to loans | 0.0194% | 6,071 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 85.0556% | 378 |
| Efficiency ratio | 76.8451% | 2,924 |
| Assets per employee ($millions) | 2.1023% | 7,512 |
| Cash dividends to net income (ytd only)* | 37.5068% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 7,011 |
| Loan loss allowance to noncurrent loans | 282.9670% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 6,301 |
| Noncurrent loans to loans | 0.2863% | 6,658 |
| Net loans and leases to total assets | 80.3376% | 750 |
| Net loans and leases to deposits | 91.5195% | 1,610 |
| Net loans and leases to core deposits | 101.2970% | 1,892 |
| Total domestic deposits to total assets | 87.7820% | 2,121 |
| Equity capital to assets | 11.3151% | 2,585 |
| Core capital (leverage) ratio | 11.0617% | 2,194 |
| Tier 1 risk-based capital ratio | 13.1162% | 4,351 |
| Total risk-based capital ratio | 13.9164% | 4,692 |
| Memoranda: | ||
| Average total assets | $226,300,670 | 2,858 |
| Average earning assets | $207,967,330 | 2,837 |
| Average equity | $26,065,670 | 2,487 |
| Average total loans | $185,234,330 | 2,361 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9346% | 1,117 |
| Cost of funding earning assets | 1.3815% | 4,299 |
| Net interest margin | 4.5531% | 1,043 |
| Noninterest income to average assets | 1.7283% | 431 |
| Noninterest expense to average assets | 4.6599% | 489 |
| Loan and lease loss provision to assets | 0.0812% | 5,828 |
| Net operating income to assets | 1.1672% | 1,621 |
| Return on assets (ROA) | 1.5190% | 930 |
| Pretax return on assets | 1.5190% | 1,472 |
| Return on Equity (ROE) | 13.0657% | 1,239 |
| Retained earnings to average equity (ytd only) | 7.6966% | 1,845 |
| Net charge-offs to loans | 0.0153% | 5,368 |
| Credit loss provision to net charge-offs | 642.8571% | 678 |
| Earnings coverage of net charge-offs (x) | 98.8571% | 322 |
| Efficiency ratio | 78.8702% | 2,745 |
| Assets per employee ($millions) | 2.0429% | 7,647 |
| Cash dividends to net income (ytd only)* | 41.0926% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 7,076 |
| Loan loss allowance to noncurrent loans | 298.6166% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 6,293 |
| Noncurrent loans to loans | 0.2749% | 6,771 |
| Net loans and leases to total assets | 80.5044% | 767 |
| Net loans and leases to deposits | 92.0821% | 1,601 |
| Net loans and leases to core deposits | 100.8441% | 2,047 |
| Total domestic deposits to total assets | 87.4267% | 2,398 |
| Equity capital to assets | 11.4240% | 2,422 |
| Core capital (leverage) ratio | 11.0213% | 2,217 |
| Tier 1 risk-based capital ratio | 13.3603% | 4,081 |
| Total risk-based capital ratio | 14.1797% | 4,361 |
| Memoranda: | ||
| Average total assets | $221,723,500 | 2,967 |
| Average earning assets | $203,552,500 | 2,949 |
| Average equity | $25,777,500 | 2,529 |
| Average total loans | $182,499,500 | 2,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0851% | 1,561 |
| Cost of funding earning assets | 1.5266% | 5,393 |
| Net interest margin | 4.5585% | 1,061 |
| Noninterest income to average assets | 1.9328% | 393 |
| Noninterest expense to average assets | 4.6704% | 672 |
| Loan and lease loss provision to assets | 0.2119% | 5,646 |
| Net operating income to assets | 1.2272% | 1,181 |
| Return on assets (ROA) | 1.2272% | 1,238 |
| Pretax return on assets | 1.2272% | 1,879 |
| Return on Equity (ROE) | 10.5953% | 1,521 |
| Retained earnings to average equity (ytd only) | 4.2389% | 2,254 |
| Net charge-offs to loans | 0.2678% | 4,943 |
| Credit loss provision to net charge-offs | 96.0581% | 5,776 |
| Earnings coverage of net charge-offs (x) | 6.5249% | 2,346 |
| Efficiency ratio | 76.4455% | 3,449 |
| Assets per employee ($millions) | 1.9347% | 7,764 |
| Cash dividends to net income (ytd only)* | 59.9925% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 7,088 |
| Loan loss allowance to noncurrent loans | 547.5836% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 6,537 |
| Noncurrent loans to loans | 0.1487% | 7,061 |
| Net loans and leases to total assets | 82.8214% | 566 |
| Net loans and leases to deposits | 94.9872% | 1,460 |
| Net loans and leases to core deposits | 121.5980% | 1,828 |
| Total domestic deposits to total assets | 87.1922% | 2,391 |
| Equity capital to assets | 11.8373% | 2,114 |
| Core capital (leverage) ratio | 11.0986% | 2,176 |
| Tier 1 risk-based capital ratio | 13.3670% | 3,905 |
| Total risk-based capital ratio | 14.1836% | 4,135 |
| Memoranda: | ||
| Average total assets | $218,547,800 | 2,962 |
| Average earning assets | $200,242,400 | 2,965 |
| Average equity | $25,313,000 | 2,577 |
| Average total loans | $179,969,000 | 2,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0477% | 1,849 |
| Cost of funding earning assets | 1.5551% | 5,609 |
| Net interest margin | 4.4926% | 1,209 |
| Noninterest income to average assets | 1.9664% | 384 |
| Noninterest expense to average assets | 4.6425% | 640 |
| Loan and lease loss provision to assets | 0.0609% | 6,755 |
| Net operating income to assets | 1.3801% | 1,068 |
| Return on assets (ROA) | 1.3801% | 1,129 |
| Pretax return on assets | 1.3801% | 1,750 |
| Return on Equity (ROE) | 11.9807% | 1,355 |
| Retained earnings to average equity (ytd only) | 6.3841% | 1,776 |
| Net charge-offs to loans | 0.1617% | 5,097 |
| Credit loss provision to net charge-offs | 45.8716% | 6,366 |
| Earnings coverage of net charge-offs (x) | 10.8578% | 1,911 |
| Efficiency ratio | 76.3134% | 3,450 |
| Assets per employee ($millions) | 1.8652% | 7,870 |
| Cash dividends to net income (ytd only)* | 46.7136% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 7,250 |
| Loan loss allowance to noncurrent loans | 461.0738% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 6,474 |
| Noncurrent loans to loans | 0.1636% | 7,075 |
| Net loans and leases to total assets | 82.8271% | 692 |
| Net loans and leases to deposits | 95.0957% | 1,696 |
| Net loans and leases to core deposits | 121.4366% | 2,125 |
| Total domestic deposits to total assets | 87.0987% | 2,129 |
| Equity capital to assets | 11.8264% | 2,336 |
| Core capital (leverage) ratio | 11.1126% | 2,321 |
| Tier 1 risk-based capital ratio | 13.3722% | 3,949 |
| Total risk-based capital ratio | 14.1309% | 4,214 |
| Memoranda: | ||
| Average total assets | $219,012,750 | 2,974 |
| Average earning assets | $200,711,250 | 2,975 |
| Average equity | $25,228,750 | 2,613 |
| Average total loans | $179,727,000 | 2,546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9502% | 2,390 |
| Cost of funding earning assets | 1.5921% | 5,772 |
| Net interest margin | 4.3581% | 1,502 |
| Noninterest income to average assets | 1.8525% | 427 |
| Noninterest expense to average assets | 4.6654% | 660 |
| Loan and lease loss provision to assets | 0.0228% | 7,007 |
| Net operating income to assets | 1.1566% | 1,591 |
| Return on assets (ROA) | 1.1566% | 1,674 |
| Pretax return on assets | 1.1566% | 2,441 |
| Return on Equity (ROE) | 10.1297% | 1,979 |
| Retained earnings to average equity (ytd only) | 7.0460% | 1,567 |
| Net charge-offs to loans | 0.1319% | 4,850 |
| Credit loss provision to net charge-offs | 21.1864% | 6,115 |
| Earnings coverage of net charge-offs (x) | 10.9576% | 1,948 |
| Efficiency ratio | 79.8221% | 3,068 |
| Assets per employee ($millions) | 1.8314% | 7,953 |
| Cash dividends to net income (ytd only)* | 30.4416% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7787% | 7,222 |
| Loan loss allowance to noncurrent loans | 48.1087% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 4,264 |
| Noncurrent loans to loans | 1.6187% | 4,068 |
| Net loans and leases to total assets | 81.1077% | 1,118 |
| Net loans and leases to deposits | 93.2698% | 2,219 |
| Net loans and leases to core deposits | 120.1715% | 2,359 |
| Total domestic deposits to total assets | 86.9603% | 2,277 |
| Equity capital to assets | 11.5081% | 2,535 |
| Core capital (leverage) ratio | 10.7170% | 2,647 |
| Tier 1 risk-based capital ratio | 13.2347% | 3,975 |
| Total risk-based capital ratio | 14.0106% | 4,228 |
| Memoranda: | ||
| Average total assets | $219,272,670 | 2,988 |
| Average earning assets | $200,866,330 | 2,987 |
| Average equity | $25,035,330 | 2,637 |
| Average total loans | $178,926,000 | 2,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0170% | 2,291 |
| Cost of funding earning assets | 1.6247% | 5,926 |
| Net interest margin | 4.3923% | 1,364 |
| Noninterest income to average assets | 1.8445% | 408 |
| Noninterest expense to average assets | 4.5675% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3058% | 1,366 |
| Return on assets (ROA) | 1.3058% | 1,464 |
| Pretax return on assets | 1.3058% | 2,264 |
| Return on Equity (ROE) | 11.4825% | 1,819 |
| Retained earnings to average equity (ytd only) | 11.4825% | 885 |
| Net charge-offs to loans | -0.0426% | 7,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7674% | 3,207 |
| Assets per employee ($millions) | 1.8013% | 8,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8581% | 6,922 |
| Loan loss allowance to noncurrent loans | 47.2483% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 1.4998% | 3,682 |
| Noncurrent loans to loans | 1.8161% | 3,539 |
| Net loans and leases to total assets | 78.1613% | 1,783 |
| Net loans and leases to deposits | 89.6411% | 2,987 |
| Net loans and leases to core deposits | 116.7270% | 2,716 |
| Total domestic deposits to total assets | 87.1936% | 2,124 |
| Equity capital to assets | 11.3317% | 2,700 |
| Core capital (leverage) ratio | 10.8495% | 2,617 |
| Tier 1 risk-based capital ratio | 13.1336% | 4,099 |
| Total risk-based capital ratio | 13.9720% | 4,292 |
| Memoranda: | ||
| Average total assets | $219,025,500 | 2,997 |
| Average earning assets | $200,898,000 | 3,008 |
| Average equity | $24,907,500 | 2,661 |
| Average total loans | $178,565,500 | 2,613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7601% | 1,831 |
| Cost of funding earning assets | 2.1555% | 5,804 |
| Net interest margin | 4.6046% | 1,164 |
| Noninterest income to average assets | 1.8101% | 416 |
| Noninterest expense to average assets | 4.5876% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3989% | 1,235 |
| Return on assets (ROA) | 1.4206% | 1,143 |
| Pretax return on assets | 1.4206% | 1,905 |
| Return on Equity (ROE) | 12.5544% | 1,429 |
| Retained earnings to average equity (ytd only) | 3.5757% | 2,919 |
| Net charge-offs to loans | 0.0746% | 5,693 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 24.0894% | 1,383 |
| Efficiency ratio | 76.1041% | 3,221 |
| Assets per employee ($millions) | 1.7313% | 8,078 |
| Cash dividends to net income (ytd only)* | 71.5188% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 7,011 |
| Loan loss allowance to noncurrent loans | 370.2233% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 6,043 |
| Noncurrent loans to loans | 0.2226% | 6,722 |
| Net loans and leases to total assets | 83.6305% | 948 |
| Net loans and leases to deposits | 96.7678% | 2,321 |
| Net loans and leases to core deposits | 123.4159% | 2,368 |
| Total domestic deposits to total assets | 86.4239% | 2,206 |
| Equity capital to assets | 11.4139% | 2,692 |
| Core capital (leverage) ratio | 10.6782% | 2,839 |
| Tier 1 risk-based capital ratio | 12.6322% | 4,339 |
| Total risk-based capital ratio | 13.4543% | 4,555 |
| Memoranda: | ||
| Average total assets | $211,811,600 | 2,990 |
| Average earning assets | $192,111,800 | 3,006 |
| Average equity | $23,967,600 | 2,734 |
| Average total loans | $164,793,600 | 2,700 |