Home > Bank of Abbeville & Trust Company > Performance and Condition Ratios
Bank of Abbeville & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 3,441 |
| Cost of funding earning assets | 0.5484% | 4,146 |
| Net interest margin | 3.7553% | 1,640 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.7385% | 1,647 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1623% | 1,749 |
| Return on assets (ROA) | 1.1623% | 1,724 |
| Pretax return on assets | 1.1623% | 2,232 |
| Return on Equity (ROE) | 9.9200% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.4740% | 2,414 |
| Net charge-offs to loans | -0.0147% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9787% | 1,879 |
| Assets per employee ($millions) | 5.6888% | 3,086 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4815% | 1,109 |
| Loan loss allowance to noncurrent loans | 486.7232% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1913% | 2,271 |
| Noncurrent loans to loans | 0.3044% | 2,096 |
| Net loans and leases to total assets | 59.2400% | 2,918 |
| Net loans and leases to deposits | 68.6244% | 2,981 |
| Net loans and leases to core deposits | 73.4559% | 3,102 |
| Total domestic deposits to total assets | 86.3200% | 1,908 |
| Equity capital to assets | 12.5137% | 990 |
| Core capital (leverage) ratio | 15.5514% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $191,858,000 | 3,039 |
| Average earning assets | $179,238,000 | 3,013 |
| Average equity | $22,470,000 | 2,656 |
| Average total loans | $115,519,800 | 2,997 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 3,386 |
| Cost of funding earning assets | 0.4875% | 4,157 |
| Net interest margin | 3.7569% | 1,677 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.5132% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3502% | 1,422 |
| Return on assets (ROA) | 1.3502% | 1,401 |
| Pretax return on assets | 1.3502% | 1,895 |
| Return on Equity (ROE) | 11.7300% | 2,198 |
| Retained earnings to average equity (ytd only) | 5.6813% | 2,723 |
| Net charge-offs to loans | -0.0150% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9802% | 2,394 |
| Assets per employee ($millions) | 5.6252% | 3,081 |
| Cash dividends to net income (ytd only)* | 51.5730% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,192 |
| Loan loss allowance to noncurrent loans | 433.9286% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,156 |
| Noncurrent loans to loans | 0.3390% | 2,017 |
| Net loans and leases to total assets | 61.3700% | 2,717 |
| Net loans and leases to deposits | 70.4979% | 2,808 |
| Net loans and leases to core deposits | 75.1987% | 2,918 |
| Total domestic deposits to total assets | 87.0600% | 1,874 |
| Equity capital to assets | 11.5374% | 1,169 |
| Core capital (leverage) ratio | 15.4048% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $191,467,500 | 3,048 |
| Average earning assets | $178,864,250 | 3,028 |
| Average equity | $22,036,500 | 2,675 |
| Average total loans | $115,324,500 | 3,008 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 11,959.0000% | 28 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9,879.0000% | 33 |
| Cost of funding earning assets | 6.0000% | 23 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.3525% | 1,430 |
| Pretax return on assets | 1.3525% | 1,940 |
| Return on Equity (ROE) | 11.7600% | 2,230 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0103% | 1,814 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,332 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.4581% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.3418% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 10.0000% | 12 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0011% | 4,539 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 48,700.0000% | 12 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,130,000 | 4,652 |
| Average earning assets | $20,047 | 4,603 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,317 |
| Cost of funding earning assets | 0.3525% | 4,066 |
| Net interest margin | 3.7178% | 1,859 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.4170% | 2,480 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.3414% | 1,563 |
| Return on assets (ROA) | 1.3414% | 1,536 |
| Pretax return on assets | 1.3414% | 2,054 |
| Return on Equity (ROE) | 11.9500% | 2,226 |
| Retained earnings to average equity (ytd only) | 2.8413% | 3,539 |
| Net charge-offs to loans | -0.0105% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.0998% | 2,443 |
| Assets per employee ($millions) | 5.6945% | 3,034 |
| Cash dividends to net income (ytd only)* | 76.2195% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4674% | 1,377 |
| Loan loss allowance to noncurrent loans | 170.6357% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 993 |
| Noncurrent loans to loans | 0.8599% | 883 |
| Net loans and leases to total assets | 58.6500% | 2,805 |
| Net loans and leases to deposits | 67.2590% | 2,832 |
| Net loans and leases to core deposits | 71.5478% | 2,849 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 11.6175% | 1,120 |
| Core capital (leverage) ratio | 14.4001% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $195,617,000 | 3,067 |
| Average earning assets | $182,689,000 | 3,045 |
| Average equity | $21,961,500 | 2,721 |
| Average total loans | $114,575,500 | 3,040 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 3,475 |
| Cost of funding earning assets | 0.2369% | 3,441 |
| Net interest margin | 3.1118% | 3,145 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.4305% | 2,336 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9015% | 2,957 |
| Return on assets (ROA) | 0.9015% | 2,891 |
| Pretax return on assets | 0.9015% | 3,349 |
| Return on Equity (ROE) | 8.3200% | 3,305 |
| Retained earnings to average equity (ytd only) | 8.3194% | 1,714 |
| Net charge-offs to loans | -0.0085% | 3,763 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.1937% | 1,418 |
| Assets per employee ($millions) | 5.4895% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,270 |
| Loan loss allowance to noncurrent loans | 278.0165% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 1,598 |
| Noncurrent loans to loans | 0.5311% | 1,384 |
| Net loans and leases to total assets | 56.7900% | 2,938 |
| Net loans and leases to deposits | 64.4729% | 3,002 |
| Net loans and leases to core deposits | 68.3288% | 2,991 |
| Total domestic deposits to total assets | 88.0800% | 2,048 |
| Equity capital to assets | 10.8440% | 1,321 |
| Core capital (leverage) ratio | 14.1469% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $207,980,400 | 2,991 |
| Average earning assets | $195,418,000 | 2,969 |
| Average equity | $22,537,600 | 2,735 |
| Average total loans | $105,348,600 | 3,079 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1416% | 3,576 |
| Cost of funding earning assets | 0.2186% | 3,053 |
| Net interest margin | 2.9230% | 3,425 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.2630% | 2,738 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8630% | 3,026 |
| Return on assets (ROA) | 0.8630% | 3,001 |
| Pretax return on assets | 0.8630% | 3,440 |
| Return on Equity (ROE) | 7.9700% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.9655% | 2,008 |
| Net charge-offs to loans | -0.0103% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6089% | 1,578 |
| Assets per employee ($millions) | 5.7755% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 1,265 |
| Loan loss allowance to noncurrent loans | 1,911.4943% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0544% | 3,339 |
| Noncurrent loans to loans | 0.0790% | 3,309 |
| Net loans and leases to total assets | 53.6500% | 3,133 |
| Net loans and leases to deposits | 60.1394% | 3,190 |
| Net loans and leases to core deposits | 63.8665% | 3,131 |
| Total domestic deposits to total assets | 89.2100% | 1,995 |
| Equity capital to assets | 9.8203% | 1,712 |
| Core capital (leverage) ratio | 13.6180% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $210,570,250 | 2,998 |
| Average earning assets | $198,195,500 | 2,970 |
| Average equity | $22,814,500 | 2,750 |
| Average total loans | $103,208,250 | 3,113 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9675% | 3,634 |
| Cost of funding earning assets | 0.2189% | 2,654 |
| Net interest margin | 2.7487% | 3,579 |
| Noninterest income to average assets | 0.4049% | 2,728 |
| Noninterest expense to average assets | 2.2026% | 2,847 |
| Loan and lease loss provision to assets | 0.0337% | 1,974 |
| Net operating income to assets | 0.7583% | 3,115 |
| Return on assets (ROA) | 0.7583% | 3,072 |
| Pretax return on assets | 0.7583% | 3,430 |
| Return on Equity (ROE) | 6.7977% | 3,362 |
| Retained earnings to average equity (ytd only) | 6.7977% | 2,052 |
| Net charge-offs to loans | -0.0020% | 3,129 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5524% | 1,566 |
| Assets per employee ($millions) | 5.3004% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5507% | 1,275 |
| Loan loss allowance to noncurrent loans | 352.2581% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 2,141 |
| Noncurrent loans to loans | 0.4402% | 1,799 |
| Net loans and leases to total assets | 50.3057% | 3,336 |
| Net loans and leases to deposits | 56.7855% | 3,318 |
| Net loans and leases to core deposits | 60.6120% | 3,227 |
| Total domestic deposits to total assets | 88.5891% | 2,335 |
| Equity capital to assets | 10.5029% | 1,429 |
| Core capital (leverage) ratio | 12.7589% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,379,667 | 3,003 |
| Average earning assets | $201,043,333 | 2,980 |
| Average equity | $23,802,333 | 2,756 |
| Average total loans | $100,908,667 | 3,174 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8306% | 3,680 |
| Cost of funding earning assets | 0.2214% | 2,511 |
| Net interest margin | 2.6093% | 3,634 |
| Noninterest income to average assets | 0.4005% | 2,683 |
| Noninterest expense to average assets | 2.1503% | 2,982 |
| Loan and lease loss provision to assets | 0.0332% | 1,769 |
| Net operating income to assets | 0.6755% | 3,140 |
| Return on assets (ROA) | 0.6755% | 3,127 |
| Pretax return on assets | 0.6755% | 3,458 |
| Return on Equity (ROE) | 5.8918% | 3,375 |
| Retained earnings to average equity (ytd only) | 5.8918% | 2,283 |
| Net charge-offs to loans | -0.0284% | 4,061 |
| Credit loss provision to net charge-offs | -257.1429% | 3,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2098% | 1,611 |
| Assets per employee ($millions) | 5.9677% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 1,171 |
| Loan loss allowance to noncurrent loans | 331.1609% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 2,202 |
| Noncurrent loans to loans | 0.4960% | 1,788 |
| Net loans and leases to total assets | 45.3246% | 3,634 |
| Net loans and leases to deposits | 51.3108% | 3,626 |
| Net loans and leases to core deposits | 54.6741% | 3,548 |
| Total domestic deposits to total assets | 88.3335% | 2,373 |
| Equity capital to assets | 10.8692% | 1,399 |
| Core capital (leverage) ratio | 12.1202% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,712,500 | 2,992 |
| Average earning assets | $204,194,500 | 2,975 |
| Average equity | $24,848,000 | 2,784 |
| Average total loans | $98,549,500 | 3,210 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1892% | 3,495 |
| Cost of funding earning assets | 0.2783% | 2,619 |
| Net interest margin | 2.9109% | 3,418 |
| Noninterest income to average assets | 0.6443% | 1,967 |
| Noninterest expense to average assets | 2.4448% | 2,351 |
| Loan and lease loss provision to assets | 0.0869% | 1,417 |
| Net operating income to assets | 0.5855% | 3,909 |
| Return on assets (ROA) | 0.5855% | 3,950 |
| Pretax return on assets | 0.8554% | 3,607 |
| Return on Equity (ROE) | 4.1427% | 4,187 |
| Retained earnings to average equity (ytd only) | -13.4283% | 4,790 |
| Net charge-offs to loans | -0.0066% | 3,621 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1799% | 1,496 |
| Assets per employee ($millions) | 5.9078% | 2,855 |
| Cash dividends to net income (ytd only)* | 424.1436% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,190 |
| Loan loss allowance to noncurrent loans | 426.9333% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,662 |
| Noncurrent loans to loans | 0.3823% | 2,220 |
| Net loans and leases to total assets | 44.1461% | 3,826 |
| Net loans and leases to deposits | 50.6007% | 3,844 |
| Net loans and leases to core deposits | 53.8713% | 3,760 |
| Total domestic deposits to total assets | 87.2440% | 2,415 |
| Equity capital to assets | 12.0524% | 1,228 |
| Core capital (leverage) ratio | 12.3357% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,379,800 | 2,991 |
| Average earning assets | $197,290,600 | 2,975 |
| Average equity | $29,594,200 | 2,564 |
| Average total loans | $105,836,600 | 3,129 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2926% | 3,411 |
| Cost of funding earning assets | 0.2896% | 2,692 |
| Net interest margin | 3.0030% | 3,294 |
| Noninterest income to average assets | 0.7340% | 1,716 |
| Noninterest expense to average assets | 2.3797% | 2,504 |
| Loan and lease loss provision to assets | 0.0942% | 1,265 |
| Net operating income to assets | 0.7276% | 3,700 |
| Return on assets (ROA) | 0.7276% | 3,763 |
| Pretax return on assets | 1.0914% | 3,213 |
| Return on Equity (ROE) | 4.9550% | 4,128 |
| Retained earnings to average equity (ytd only) | -8.1998% | 4,831 |
| Net charge-offs to loans | -0.0012% | 3,146 |
| Credit loss provision to net charge-offs | -14,600.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7509% | 1,996 |
| Assets per employee ($millions) | 5.8122% | 2,876 |
| Cash dividends to net income (ytd only)* | 265.4867% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 1,800 |
| Loan loss allowance to noncurrent loans | 333.1197% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 2,591 |
| Noncurrent loans to loans | 0.4363% | 2,248 |
| Net loans and leases to total assets | 50.5166% | 3,348 |
| Net loans and leases to deposits | 59.1584% | 3,316 |
| Net loans and leases to core deposits | 62.9399% | 3,226 |
| Total domestic deposits to total assets | 85.3922% | 2,987 |
| Equity capital to assets | 13.7088% | 806 |
| Core capital (leverage) ratio | 13.4928% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,077,750 | 3,042 |
| Average earning assets | $195,219,500 | 3,029 |
| Average equity | $30,406,500 | 2,536 |
| Average total loans | $107,771,000 | 3,146 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2593% | 3,538 |
| Cost of funding earning assets | 0.2982% | 2,790 |
| Net interest margin | 2.9611% | 3,416 |
| Noninterest income to average assets | 0.7104% | 1,769 |
| Noninterest expense to average assets | 2.4239% | 2,382 |
| Loan and lease loss provision to assets | 0.1066% | 1,177 |
| Net operating income to assets | 0.8083% | 3,484 |
| Return on assets (ROA) | 0.8083% | 3,558 |
| Pretax return on assets | 0.9711% | 3,498 |
| Return on Equity (ROE) | 5.3840% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.3840% | 3,042 |
| Net charge-offs to loans | -0.0019% | 3,183 |
| Credit loss provision to net charge-offs | -11,000.0000% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2223% | 1,733 |
| Assets per employee ($millions) | 5.6505% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 2,076 |
| Loan loss allowance to noncurrent loans | 130.0598% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 1,451 |
| Noncurrent loans to loans | 1.0580% | 1,156 |
| Net loans and leases to total assets | 52.2115% | 3,325 |
| Net loans and leases to deposits | 62.0558% | 3,194 |
| Net loans and leases to core deposits | 66.2270% | 3,093 |
| Total domestic deposits to total assets | 84.1363% | 3,385 |
| Equity capital to assets | 15.0022% | 526 |
| Core capital (leverage) ratio | 14.5653% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,357,667 | 3,049 |
| Average earning assets | $194,522,333 | 3,028 |
| Average equity | $30,980,667 | 2,491 |
| Average total loans | $107,941,667 | 3,153 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 3,599 |
| Cost of funding earning assets | 0.3022% | 2,967 |
| Net interest margin | 2.9416% | 3,404 |
| Noninterest income to average assets | 0.6634% | 1,985 |
| Noninterest expense to average assets | 2.3083% | 2,760 |
| Loan and lease loss provision to assets | 0.1093% | 1,267 |
| Net operating income to assets | 0.8429% | 3,293 |
| Return on assets (ROA) | 0.8429% | 3,373 |
| Pretax return on assets | 1.0185% | 3,320 |
| Return on Equity (ROE) | 5.6125% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.6125% | 3,022 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1777% | 2,044 |
| Assets per employee ($millions) | 5.8040% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 2,234 |
| Loan loss allowance to noncurrent loans | 560.3053% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,497 |
| Noncurrent loans to loans | 0.2398% | 3,242 |
| Net loans and leases to total assets | 50.1949% | 3,607 |
| Net loans and leases to deposits | 59.1454% | 3,549 |
| Net loans and leases to core deposits | 62.3791% | 3,553 |
| Total domestic deposits to total assets | 84.8670% | 3,156 |
| Equity capital to assets | 14.3474% | 605 |
| Core capital (leverage) ratio | 14.9737% | 483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,002,000 | 3,043 |
| Average earning assets | $193,226,000 | 3,029 |
| Average equity | $30,788,500 | 2,495 |
| Average total loans | $106,572,000 | 3,179 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3963% | 4,197 |
| Cost of funding earning assets | 0.3801% | 3,709 |
| Net interest margin | 3.0163% | 3,849 |
| Noninterest income to average assets | 0.8743% | 1,336 |
| Noninterest expense to average assets | 2.7043% | 2,228 |
| Loan and lease loss provision to assets | 0.1214% | 2,848 |
| Net operating income to assets | 0.7265% | 3,342 |
| Return on assets (ROA) | 0.7265% | 3,470 |
| Pretax return on assets | 0.8694% | 3,452 |
| Return on Equity (ROE) | 4.4478% | 4,040 |
| Retained earnings to average equity (ytd only) | 2.8232% | 3,457 |
| Net charge-offs to loans | -0.0131% | 4,324 |
| Credit loss provision to net charge-offs | -1,730.7692% | 4,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1864% | 1,546 |
| Assets per employee ($millions) | 5.4238% | 2,928 |
| Cash dividends to net income (ytd only)* | 36.5256% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,156 |
| Loan loss allowance to noncurrent loans | 118.7553% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 1,616 |
| Noncurrent loans to loans | 1.1446% | 1,243 |
| Net loans and leases to total assets | 52.4806% | 3,631 |
| Net loans and leases to deposits | 62.8206% | 3,540 |
| Net loans and leases to core deposits | 65.9847% | 3,542 |
| Total domestic deposits to total assets | 83.5405% | 3,251 |
| Equity capital to assets | 15.7568% | 455 |
| Core capital (leverage) ratio | 15.5727% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,407,800 | 3,058 |
| Average earning assets | $173,393,400 | 3,041 |
| Average equity | $30,284,800 | 2,466 |
| Average total loans | $99,249,800 | 3,242 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,288 |
| Cost of funding earning assets | 0.4011% | 3,801 |
| Net interest margin | 3.0490% | 3,868 |
| Noninterest income to average assets | 0.8060% | 1,475 |
| Noninterest expense to average assets | 2.6003% | 2,526 |
| Loan and lease loss provision to assets | 0.1142% | 2,894 |
| Net operating income to assets | 0.7572% | 3,261 |
| Return on assets (ROA) | 0.7572% | 3,371 |
| Pretax return on assets | 0.9387% | 3,268 |
| Return on Equity (ROE) | 4.5925% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.5925% | 2,749 |
| Net charge-offs to loans | -0.0285% | 4,512 |
| Credit loss provision to net charge-offs | -747.6190% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1749% | 1,730 |
| Assets per employee ($millions) | 5.3037% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,335 |
| Loan loss allowance to noncurrent loans | 315.8879% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 3,209 |
| Noncurrent loans to loans | 0.3999% | 2,859 |
| Net loans and leases to total assets | 55.3490% | 3,677 |
| Net loans and leases to deposits | 66.7621% | 3,558 |
| Net loans and leases to core deposits | 69.6829% | 3,644 |
| Total domestic deposits to total assets | 82.9049% | 3,167 |
| Equity capital to assets | 16.1848% | 449 |
| Core capital (leverage) ratio | 15.8158% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,946,000 | 3,068 |
| Average earning assets | $170,849,250 | 3,054 |
| Average equity | $30,164,500 | 2,465 |
| Average total loans | $98,091,500 | 3,275 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 4,379 |
| Cost of funding earning assets | 0.4343% | 3,876 |
| Net interest margin | 3.0946% | 3,909 |
| Noninterest income to average assets | 0.7466% | 1,588 |
| Noninterest expense to average assets | 2.6037% | 2,651 |
| Loan and lease loss provision to assets | 0.0799% | 3,296 |
| Net operating income to assets | 0.7555% | 3,202 |
| Return on assets (ROA) | 0.7555% | 3,318 |
| Pretax return on assets | 0.9485% | 3,184 |
| Return on Equity (ROE) | 4.5523% | 3,958 |
| Retained earnings to average equity (ytd only) | 4.5523% | 2,680 |
| Net charge-offs to loans | -0.0400% | 4,622 |
| Credit loss provision to net charge-offs | -378.9474% | 3,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6860% | 1,735 |
| Assets per employee ($millions) | 5.3484% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,544 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 2,170 |
| Noncurrent loans to loans | 0.9560% | 1,618 |
| Net loans and leases to total assets | 54.3248% | 3,847 |
| Net loans and leases to deposits | 65.2648% | 3,781 |
| Net loans and leases to core deposits | 68.3303% | 3,840 |
| Total domestic deposits to total assets | 83.2374% | 3,020 |
| Equity capital to assets | 15.8661% | 482 |
| Core capital (leverage) ratio | 15.9368% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,284,000 | 3,075 |
| Average earning assets | $168,100,333 | 3,061 |
| Average equity | $29,918,667 | 2,472 |
| Average total loans | $95,111,667 | 3,314 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 4,419 |
| Cost of funding earning assets | 0.4963% | 3,964 |
| Net interest margin | 3.1903% | 3,886 |
| Noninterest income to average assets | 0.6178% | 1,961 |
| Noninterest expense to average assets | 2.7033% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7809% | 2,973 |
| Return on assets (ROA) | 0.7809% | 3,056 |
| Pretax return on assets | 0.8820% | 3,186 |
| Return on Equity (ROE) | 4.5941% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.5941% | 2,459 |
| Net charge-offs to loans | -0.0045% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4004% | 1,633 |
| Assets per employee ($millions) | 4.7318% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,300 |
| Loan loss allowance to noncurrent loans | 207.9646% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 3,055 |
| Noncurrent loans to loans | 0.6093% | 2,463 |
| Net loans and leases to total assets | 52.2976% | 4,097 |
| Net loans and leases to deposits | 63.6381% | 4,000 |
| Net loans and leases to core deposits | 66.5862% | 4,047 |
| Total domestic deposits to total assets | 82.1796% | 3,362 |
| Equity capital to assets | 16.9270% | 452 |
| Core capital (leverage) ratio | 17.1567% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,155,000 | 3,093 |
| Average earning assets | $161,993,000 | 3,089 |
| Average equity | $29,603,500 | 2,479 |
| Average total loans | $89,736,000 | 3,402 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 4,554 |
| Cost of funding earning assets | 0.4970% | 4,105 |
| Net interest margin | 3.3126% | 3,964 |
| Noninterest income to average assets | 0.5477% | 2,494 |
| Noninterest expense to average assets | 2.8711% | 2,372 |
| Loan and lease loss provision to assets | 0.0685% | 2,643 |
| Net operating income to assets | 0.5949% | 4,175 |
| Return on assets (ROA) | 0.5974% | 4,227 |
| Pretax return on assets | 0.6831% | 4,245 |
| Return on Equity (ROE) | 3.5390% | 4,568 |
| Retained earnings to average equity (ytd only) | 1.8744% | 4,056 |
| Net charge-offs to loans | 0.0135% | 3,210 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 109.2500% | 633 |
| Efficiency ratio | 79.3152% | 1,000 |
| Assets per employee ($millions) | 4.5588% | 3,146 |
| Cash dividends to net income (ytd only)* | 47.0363% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,695 |
| Loan loss allowance to noncurrent loans | 165.1195% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 2,646 |
| Noncurrent loans to loans | 0.8197% | 1,868 |
| Net loans and leases to total assets | 49.3913% | 4,353 |
| Net loans and leases to deposits | 60.1641% | 4,280 |
| Net loans and leases to core deposits | 62.7042% | 4,336 |
| Total domestic deposits to total assets | 82.0943% | 3,487 |
| Equity capital to assets | 17.0705% | 459 |
| Core capital (leverage) ratio | 17.1583% | 399 |
| Tier 1 risk-based capital ratio | 31.2239% | 435 |
| Total risk-based capital ratio | 32.4570% | 433 |
| Memoranda: | ||
| Average total assets | $175,089,600 | 3,066 |
| Average earning assets | $162,378,200 | 3,064 |
| Average equity | $29,556,000 | 2,421 |
| Average total loans | $88,713,000 | 3,431 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,680 |
| Cost of funding earning assets | 0.4917% | 4,176 |
| Net interest margin | 3.3068% | 4,080 |
| Noninterest income to average assets | 0.5544% | 2,439 |
| Noninterest expense to average assets | 2.7645% | 2,675 |
| Loan and lease loss provision to assets | 0.0820% | 2,269 |
| Net operating income to assets | 0.6674% | 4,116 |
| Return on assets (ROA) | 0.6706% | 4,166 |
| Pretax return on assets | 0.7762% | 4,180 |
| Return on Equity (ROE) | 3.9838% | 4,596 |
| Retained earnings to average equity (ytd only) | 3.9838% | 3,403 |
| Net charge-offs to loans | 0.0135% | 2,891 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 124.9967% | 630 |
| Efficiency ratio | 76.3903% | 1,285 |
| Assets per employee ($millions) | 4.6898% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,234 |
| Loan loss allowance to noncurrent loans | 243.2150% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 3,322 |
| Noncurrent loans to loans | 0.5142% | 2,747 |
| Net loans and leases to total assets | 53.0181% | 4,253 |
| Net loans and leases to deposits | 65.1475% | 4,119 |
| Net loans and leases to core deposits | 68.9433% | 4,110 |
| Total domestic deposits to total assets | 81.3816% | 3,642 |
| Equity capital to assets | 17.5609% | 427 |
| Core capital (leverage) ratio | 17.1937% | 411 |
| Tier 1 risk-based capital ratio | 29.4612% | 500 |
| Total risk-based capital ratio | 30.5995% | 498 |
| Memoranda: | ||
| Average total assets | $175,553,250 | 3,095 |
| Average earning assets | $162,689,500 | 3,091 |
| Average equity | $29,552,000 | 2,432 |
| Average total loans | $89,207,000 | 3,452 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 4,738 |
| Cost of funding earning assets | 0.4790% | 4,209 |
| Net interest margin | 3.3016% | 4,143 |
| Noninterest income to average assets | 0.3382% | 3,671 |
| Noninterest expense to average assets | 2.5671% | 3,283 |
| Loan and lease loss provision to assets | 0.0817% | 2,204 |
| Net operating income to assets | 0.6526% | 4,157 |
| Return on assets (ROA) | 0.6526% | 4,208 |
| Pretax return on assets | 0.7479% | 4,222 |
| Return on Equity (ROE) | 3.9323% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.9323% | 3,280 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5763% | 1,452 |
| Assets per employee ($millions) | 4.8441% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,194 |
| Loan loss allowance to noncurrent loans | 194.8630% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 2,950 |
| Noncurrent loans to loans | 0.6468% | 2,327 |
| Net loans and leases to total assets | 51.1265% | 4,404 |
| Net loans and leases to deposits | 62.5855% | 4,301 |
| Net loans and leases to core deposits | 66.3447% | 4,300 |
| Total domestic deposits to total assets | 81.6907% | 3,607 |
| Equity capital to assets | 17.2576% | 442 |
| Core capital (leverage) ratio | 16.9781% | 436 |
| Tier 1 risk-based capital ratio | 28.5494% | 539 |
| Total risk-based capital ratio | 29.6380% | 534 |
| Memoranda: | ||
| Average total assets | $176,230,330 | 3,098 |
| Average earning assets | $163,255,000 | 3,097 |
| Average equity | $29,245,330 | 2,443 |
| Average total loans | $87,888,330 | 3,502 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 4,804 |
| Cost of funding earning assets | 0.4629% | 4,230 |
| Net interest margin | 3.2673% | 4,237 |
| Noninterest income to average assets | 0.2845% | 3,970 |
| Noninterest expense to average assets | 2.5108% | 3,476 |
| Loan and lease loss provision to assets | 0.0813% | 2,074 |
| Net operating income to assets | 0.6277% | 4,152 |
| Return on assets (ROA) | 0.6277% | 4,194 |
| Pretax return on assets | 0.7203% | 4,252 |
| Return on Equity (ROE) | 3.8584% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.8584% | 3,375 |
| Net charge-offs to loans | 0.1246% | 998 |
| Credit loss provision to net charge-offs | 133.3333% | 1,335 |
| Earnings coverage of net charge-offs (x) | 13.1481% | 1,844 |
| Efficiency ratio | 75.8010% | 1,517 |
| Assets per employee ($millions) | 4.8380% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,440 |
| Loan loss allowance to noncurrent loans | 199.4434% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 3,279 |
| Noncurrent loans to loans | 0.6154% | 2,486 |
| Net loans and leases to total assets | 48.3311% | 4,571 |
| Net loans and leases to deposits | 58.4245% | 4,480 |
| Net loans and leases to core deposits | 61.7832% | 4,495 |
| Total domestic deposits to total assets | 82.7239% | 3,491 |
| Equity capital to assets | 16.3571% | 524 |
| Core capital (leverage) ratio | 16.7847% | 447 |
| Tier 1 risk-based capital ratio | 29.2413% | 501 |
| Total risk-based capital ratio | 30.3051% | 498 |
| Memoranda: | ||
| Average total assets | $177,152,000 | 3,120 |
| Average earning assets | $164,171,000 | 3,126 |
| Average equity | $28,820,500 | 2,470 |
| Average total loans | $86,684,500 | 3,566 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 4,800 |
| Cost of funding earning assets | 0.3951% | 4,008 |
| Net interest margin | 3.2031% | 4,477 |
| Noninterest income to average assets | 0.8786% | 1,230 |
| Noninterest expense to average assets | 2.8171% | 2,635 |
| Loan and lease loss provision to assets | 0.1591% | 1,297 |
| Net operating income to assets | 0.9761% | 3,113 |
| Return on assets (ROA) | 0.9795% | 3,100 |
| Pretax return on assets | 0.8689% | 3,977 |
| Return on Equity (ROE) | 6.2730% | 4,077 |
| Retained earnings to average equity (ytd only) | 4.3232% | 3,165 |
| Net charge-offs to loans | 0.1745% | 1,105 |
| Credit loss provision to net charge-offs | 200.7194% | 1,431 |
| Earnings coverage of net charge-offs (x) | 12.9281% | 2,494 |
| Efficiency ratio | 73.3304% | 1,714 |
| Assets per employee ($millions) | 4.7315% | 2,829 |
| Cash dividends to net income (ytd only)* | 31.0827% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,339 |
| Loan loss allowance to noncurrent loans | 162.2527% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 2,922 |
| Noncurrent loans to loans | 0.7659% | 2,085 |
| Net loans and leases to total assets | 48.3889% | 4,612 |
| Net loans and leases to deposits | 58.2592% | 4,563 |
| Net loans and leases to core deposits | 61.5133% | 4,561 |
| Total domestic deposits to total assets | 83.0579% | 3,306 |
| Equity capital to assets | 16.0676% | 525 |
| Core capital (leverage) ratio | 16.8641% | 420 |
| Tier 1 risk-based capital ratio | 29.3044% | 500 |
| Total risk-based capital ratio | 30.3661% | 495 |
| Memoranda: | ||
| Average total assets | $175,393,600 | 3,109 |
| Average earning assets | $162,249,800 | 3,119 |
| Average equity | $27,387,400 | 2,492 |
| Average total loans | $79,662,600 | 3,676 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 4,878 |
| Cost of funding earning assets | 0.3804% | 3,993 |
| Net interest margin | 3.1665% | 4,581 |
| Noninterest income to average assets | 0.5045% | 2,845 |
| Noninterest expense to average assets | 2.5773% | 3,358 |
| Loan and lease loss provision to assets | 0.0859% | 2,256 |
| Net operating income to assets | 0.6934% | 4,245 |
| Return on assets (ROA) | 0.6975% | 4,241 |
| Pretax return on assets | 0.7743% | 4,361 |
| Return on Equity (ROE) | 4.4996% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.4996% | 3,498 |
| Net charge-offs to loans | 0.2321% | 735 |
| Credit loss provision to net charge-offs | 83.0882% | 2,500 |
| Earnings coverage of net charge-offs (x) | 8.2794% | 2,726 |
| Efficiency ratio | 75.0775% | 1,452 |
| Assets per employee ($millions) | 4.7711% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,267 |
| Loan loss allowance to noncurrent loans | 72.5301% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 1,964 |
| Noncurrent loans to loans | 1.4984% | 1,092 |
| Net loans and leases to total assets | 46.5564% | 4,778 |
| Net loans and leases to deposits | 55.8176% | 4,757 |
| Net loans and leases to core deposits | 58.8020% | 4,748 |
| Total domestic deposits to total assets | 83.4081% | 3,161 |
| Equity capital to assets | 15.5139% | 612 |
| Core capital (leverage) ratio | 16.6834% | 445 |
| Tier 1 risk-based capital ratio | 29.3164% | 509 |
| Total risk-based capital ratio | 30.2244% | 513 |
| Memoranda: | ||
| Average total assets | $175,475,250 | 3,126 |
| Average earning assets | $162,280,250 | 3,138 |
| Average equity | $27,202,000 | 2,511 |
| Average total loans | $78,133,500 | 3,733 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 4,909 |
| Cost of funding earning assets | 0.3669% | 3,963 |
| Net interest margin | 3.1441% | 4,632 |
| Noninterest income to average assets | 0.5082% | 2,814 |
| Noninterest expense to average assets | 2.5913% | 3,352 |
| Loan and lease loss provision to assets | 0.0788% | 2,330 |
| Net operating income to assets | 0.6765% | 4,263 |
| Return on assets (ROA) | 0.6807% | 4,255 |
| Pretax return on assets | 0.7492% | 4,392 |
| Return on Equity (ROE) | 4.3920% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.3920% | 3,406 |
| Net charge-offs to loans | 0.0732% | 1,601 |
| Credit loss provision to net charge-offs | 246.4286% | 1,155 |
| Earnings coverage of net charge-offs (x) | 25.7500% | 1,630 |
| Efficiency ratio | 75.8863% | 1,438 |
| Assets per employee ($millions) | 4.5801% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 2,812 |
| Loan loss allowance to noncurrent loans | 77.1132% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 1,934 |
| Noncurrent loans to loans | 1.5362% | 1,082 |
| Net loans and leases to total assets | 46.3449% | 4,806 |
| Net loans and leases to deposits | 55.5922% | 4,774 |
| Net loans and leases to core deposits | 58.9981% | 4,750 |
| Total domestic deposits to total assets | 83.3658% | 3,300 |
| Equity capital to assets | 15.6448% | 567 |
| Core capital (leverage) ratio | 16.2864% | 463 |
| Tier 1 risk-based capital ratio | 29.7486% | 482 |
| Total risk-based capital ratio | 30.7463% | 487 |
| Memoranda: | ||
| Average total assets | $175,123,000 | 3,147 |
| Average earning assets | $161,892,000 | 3,165 |
| Average equity | $27,140,330 | 2,524 |
| Average total loans | $76,481,330 | 3,792 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4241% | 4,988 |
| Cost of funding earning assets | 0.3670% | 3,859 |
| Net interest margin | 3.0571% | 4,783 |
| Noninterest income to average assets | 0.5579% | 2,483 |
| Noninterest expense to average assets | 2.5731% | 3,419 |
| Loan and lease loss provision to assets | 0.0478% | 2,814 |
| Net operating income to assets | 0.7628% | 3,864 |
| Return on assets (ROA) | 0.7628% | 3,863 |
| Pretax return on assets | 0.7628% | 4,250 |
| Return on Equity (ROE) | 4.9454% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.9454% | 3,207 |
| Net charge-offs to loans | -0.0758% | 5,133 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0431% | 1,590 |
| Assets per employee ($millions) | 4.6483% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,430 |
| Loan loss allowance to noncurrent loans | 62.4431% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,782 |
| Noncurrent loans to loans | 2.0254% | 779 |
| Net loans and leases to total assets | 42.4741% | 4,958 |
| Net loans and leases to deposits | 50.6522% | 4,938 |
| Net loans and leases to core deposits | 54.0503% | 4,914 |
| Total domestic deposits to total assets | 83.8545% | 3,385 |
| Equity capital to assets | 15.2924% | 607 |
| Core capital (leverage) ratio | 16.1264% | 470 |
| Tier 1 risk-based capital ratio | 29.3750% | 495 |
| Total risk-based capital ratio | 30.3630% | 508 |
| Memoranda: | ||
| Average total assets | $175,662,000 | 3,180 |
| Average earning assets | $162,376,500 | 3,185 |
| Average equity | $27,096,000 | 2,545 |
| Average total loans | $73,908,000 | 3,879 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1347% | 5,254 |
| Cost of funding earning assets | 0.3770% | 3,447 |
| Net interest margin | 2.7577% | 5,218 |
| Noninterest income to average assets | 0.4325% | 3,419 |
| Noninterest expense to average assets | 2.5832% | 3,495 |
| Loan and lease loss provision to assets | 0.0194% | 3,910 |
| Net operating income to assets | 0.2070% | 5,096 |
| Return on assets (ROA) | 0.2099% | 5,109 |
| Pretax return on assets | 0.3764% | 5,118 |
| Return on Equity (ROE) | 1.3682% | 5,173 |
| Retained earnings to average equity (ytd only) | -0.4126% | 5,105 |
| Net charge-offs to loans | -0.0175% | 4,922 |
| Credit loss provision to net charge-offs | -318.1818% | 4,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8421% | 591 |
| Assets per employee ($millions) | 4.2607% | 3,561 |
| Cash dividends to net income (ytd only)* | 130.1587% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,273 |
| Loan loss allowance to noncurrent loans | 88.0228% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 2,460 |
| Noncurrent loans to loans | 1.4646% | 1,168 |
| Net loans and leases to total assets | 40.5892% | 5,108 |
| Net loans and leases to deposits | 48.5404% | 5,109 |
| Net loans and leases to core deposits | 51.9177% | 5,068 |
| Total domestic deposits to total assets | 83.6193% | 3,348 |
| Equity capital to assets | 15.5593% | 579 |
| Core capital (leverage) ratio | 15.7340% | 509 |
| Tier 1 risk-based capital ratio | 31.6147% | 398 |
| Total risk-based capital ratio | 32.6515% | 405 |
| Memoranda: | ||
| Average total assets | $180,123,600 | 3,111 |
| Average earning assets | $166,042,800 | 3,128 |
| Average equity | $27,628,000 | 2,508 |
| Average total loans | $62,878,400 | 4,133 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 5,383 |
| Cost of funding earning assets | 0.3763% | 3,413 |
| Net interest margin | 2.6668% | 5,357 |
| Noninterest income to average assets | 0.3894% | 3,758 |
| Noninterest expense to average assets | 2.4971% | 3,748 |
| Loan and lease loss provision to assets | 0.0147% | 3,850 |
| Net operating income to assets | 0.3350% | 5,145 |
| Return on assets (ROA) | 0.3350% | 5,174 |
| Pretax return on assets | 0.3350% | 5,279 |
| Return on Equity (ROE) | 2.1917% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.1917% | 4,542 |
| Net charge-offs to loans | -0.0066% | 4,514 |
| Credit loss provision to net charge-offs | -666.6667% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7161% | 524 |
| Assets per employee ($millions) | 4.5639% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3525% | 2,110 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6983% | 2,412 |
| Noncurrent loans to loans | 1.8033% | 990 |
| Net loans and leases to total assets | 37.0031% | 5,308 |
| Net loans and leases to deposits | 44.5077% | 5,302 |
| Net loans and leases to core deposits | 47.7005% | 5,265 |
| Total domestic deposits to total assets | 83.1387% | 3,417 |
| Equity capital to assets | 15.8855% | 563 |
| Core capital (leverage) ratio | 15.7448% | 528 |
| Tier 1 risk-based capital ratio | 32.3179% | 405 |
| Total risk-based capital ratio | 33.3371% | 407 |
| Memoranda: | ||
| Average total assets | $181,482,750 | 3,121 |
| Average earning assets | $167,240,500 | 3,138 |
| Average equity | $27,740,000 | 2,518 |
| Average total loans | $60,640,500 | 4,226 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9584% | 5,463 |
| Cost of funding earning assets | 0.3761% | 3,325 |
| Net interest margin | 2.5824% | 5,448 |
| Noninterest income to average assets | 0.3854% | 3,788 |
| Noninterest expense to average assets | 2.4605% | 3,888 |
| Loan and lease loss provision to assets | 0.0219% | 3,546 |
| Net operating income to assets | 0.2792% | 5,272 |
| Return on assets (ROA) | 0.2792% | 5,288 |
| Pretax return on assets | 0.2792% | 5,361 |
| Return on Equity (ROE) | 1.8504% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.8504% | 4,507 |
| Net charge-offs to loans | -0.0034% | 4,255 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0960% | 497 |
| Assets per employee ($millions) | 4.5734% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,737 |
| Loan loss allowance to noncurrent loans | 83.6583% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 2,733 |
| Noncurrent loans to loans | 1.7408% | 1,040 |
| Net loans and leases to total assets | 33.3273% | 5,472 |
| Net loans and leases to deposits | 39.7849% | 5,463 |
| Net loans and leases to core deposits | 42.7267% | 5,434 |
| Total domestic deposits to total assets | 83.7687% | 3,298 |
| Equity capital to assets | 15.3610% | 641 |
| Core capital (leverage) ratio | 15.4531% | 555 |
| Tier 1 risk-based capital ratio | 34.2931% | 323 |
| Total risk-based capital ratio | 35.3798% | 320 |
| Memoranda: | ||
| Average total assets | $182,646,000 | 3,125 |
| Average earning assets | $168,062,000 | 3,134 |
| Average equity | $27,561,670 | 2,531 |
| Average total loans | $58,598,670 | 4,297 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9084% | 5,531 |
| Cost of funding earning assets | 0.3779% | 3,225 |
| Net interest margin | 2.5305% | 5,523 |
| Noninterest income to average assets | 0.4230% | 3,504 |
| Noninterest expense to average assets | 2.3956% | 4,125 |
| Loan and lease loss provision to assets | 0.0329% | 3,130 |
| Net operating income to assets | 0.3134% | 5,159 |
| Return on assets (ROA) | 0.3134% | 5,185 |
| Pretax return on assets | 0.3134% | 5,295 |
| Return on Equity (ROE) | 2.0959% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.0959% | 4,308 |
| Net charge-offs to loans | -0.0632% | 5,285 |
| Credit loss provision to net charge-offs | -166.6667% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3701% | 708 |
| Assets per employee ($millions) | 4.4881% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 1,601 |
| Loan loss allowance to noncurrent loans | 206.8650% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,175 |
| Noncurrent loans to loans | 0.7375% | 2,649 |
| Net loans and leases to total assets | 31.7084% | 5,548 |
| Net loans and leases to deposits | 37.6670% | 5,534 |
| Net loans and leases to core deposits | 40.4152% | 5,510 |
| Total domestic deposits to total assets | 84.1808% | 3,406 |
| Equity capital to assets | 14.9871% | 659 |
| Core capital (leverage) ratio | 15.4462% | 534 |
| Tier 1 risk-based capital ratio | 34.7980% | 327 |
| Total risk-based capital ratio | 35.9089% | 328 |
| Memoranda: | ||
| Average total assets | $182,500,500 | 3,152 |
| Average earning assets | $167,240,000 | 3,170 |
| Average equity | $27,292,000 | 2,561 |
| Average total loans | $56,963,500 | 4,378 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9741% | 5,519 |
| Cost of funding earning assets | 0.3817% | 3,183 |
| Net interest margin | 2.5924% | 5,524 |
| Noninterest income to average assets | 0.4796% | 3,352 |
| Noninterest expense to average assets | 2.4919% | 4,038 |
| Loan and lease loss provision to assets | 0.0311% | 3,735 |
| Net operating income to assets | 0.3259% | 5,155 |
| Return on assets (ROA) | 0.3259% | 5,228 |
| Pretax return on assets | 0.3259% | 5,334 |
| Return on Equity (ROE) | 2.1239% | 5,376 |
| Retained earnings to average equity (ytd only) | 0.3765% | 5,168 |
| Net charge-offs to loans | 0.0341% | 3,348 |
| Credit loss provision to net charge-offs | 316.6667% | 939 |
| Earnings coverage of net charge-offs (x) | 36.3889% | 1,260 |
| Efficiency ratio | 87.4689% | 718 |
| Assets per employee ($millions) | 4.4125% | 3,252 |
| Cash dividends to net income (ytd only)* | 82.2742% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 1,353 |
| Loan loss allowance to noncurrent loans | 177.5758% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 4,077 |
| Noncurrent loans to loans | 0.9053% | 2,286 |
| Net loans and leases to total assets | 29.7362% | 5,648 |
| Net loans and leases to deposits | 35.2545% | 5,660 |
| Net loans and leases to core deposits | 37.3354% | 5,652 |
| Total domestic deposits to total assets | 84.3473% | 3,292 |
| Equity capital to assets | 14.8855% | 658 |
| Core capital (leverage) ratio | 15.2786% | 567 |
| Tier 1 risk-based capital ratio | 38.0652% | 250 |
| Total risk-based capital ratio | 39.2560% | 250 |
| Memoranda: | ||
| Average total assets | $183,472,000 | 3,129 |
| Average earning assets | $167,683,400 | 3,143 |
| Average equity | $28,156,400 | 2,505 |
| Average total loans | $52,716,200 | 4,500 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9785% | 5,589 |
| Cost of funding earning assets | 0.3814% | 3,211 |
| Net interest margin | 2.5971% | 5,589 |
| Noninterest income to average assets | 0.4526% | 3,542 |
| Noninterest expense to average assets | 2.4789% | 4,046 |
| Loan and lease loss provision to assets | 0.0196% | 3,855 |
| Net operating income to assets | 0.3259% | 5,223 |
| Return on assets (ROA) | 0.3259% | 5,303 |
| Pretax return on assets | 0.3259% | 5,418 |
| Return on Equity (ROE) | 2.1080% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.1080% | 4,637 |
| Net charge-offs to loans | 0.0638% | 2,440 |
| Credit loss provision to net charge-offs | 108.0000% | 2,243 |
| Earnings coverage of net charge-offs (x) | 19.0813% | 1,959 |
| Efficiency ratio | 87.7692% | 687 |
| Assets per employee ($millions) | 4.4645% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,789 |
| Loan loss allowance to noncurrent loans | 140.8027% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,995 |
| Noncurrent loans to loans | 1.0591% | 2,127 |
| Net loans and leases to total assets | 30.3878% | 5,706 |
| Net loans and leases to deposits | 36.4340% | 5,716 |
| Net loans and leases to core deposits | 38.6601% | 5,709 |
| Total domestic deposits to total assets | 83.4051% | 3,446 |
| Equity capital to assets | 15.6536% | 607 |
| Core capital (leverage) ratio | 15.4998% | 557 |
| Tier 1 risk-based capital ratio | 36.5568% | 303 |
| Total risk-based capital ratio | 37.6390% | 304 |
| Memoranda: | ||
| Average total assets | $184,111,500 | 3,126 |
| Average earning assets | $168,132,000 | 3,151 |
| Average equity | $28,463,000 | 2,499 |
| Average total loans | $52,226,250 | 4,548 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0327% | 5,618 |
| Cost of funding earning assets | 0.3801% | 3,250 |
| Net interest margin | 2.6526% | 5,618 |
| Noninterest income to average assets | 0.4250% | 3,695 |
| Noninterest expense to average assets | 2.4807% | 4,084 |
| Loan and lease loss provision to assets | 0.0130% | 3,844 |
| Net operating income to assets | 0.3600% | 5,154 |
| Return on assets (ROA) | 0.3600% | 5,244 |
| Pretax return on assets | 0.3600% | 5,406 |
| Return on Equity (ROE) | 2.3381% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.3381% | 4,389 |
| Net charge-offs to loans | 0.0354% | 2,742 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 38.2222% | 1,188 |
| Efficiency ratio | 86.9301% | 800 |
| Assets per employee ($millions) | 4.7128% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,595 |
| Loan loss allowance to noncurrent loans | 281.0000% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1846% | 4,751 |
| Noncurrent loans to loans | 0.5610% | 3,384 |
| Net loans and leases to total assets | 27.9195% | 5,825 |
| Net loans and leases to deposits | 33.2832% | 5,837 |
| Net loans and leases to core deposits | 35.4506% | 5,822 |
| Total domestic deposits to total assets | 83.8847% | 3,314 |
| Equity capital to assets | 15.2655% | 678 |
| Core capital (leverage) ratio | 15.1810% | 574 |
| Tier 1 risk-based capital ratio | 39.7756% | 234 |
| Total risk-based capital ratio | 40.9594% | 234 |
| Memoranda: | ||
| Average total assets | $184,467,330 | 3,140 |
| Average earning assets | $168,893,670 | 3,156 |
| Average equity | $28,399,670 | 2,503 |
| Average total loans | $50,813,330 | 4,615 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2013% | 5,479 |
| Cost of funding earning assets | 0.3849% | 3,248 |
| Net interest margin | 2.8164% | 5,445 |
| Noninterest income to average assets | 0.4473% | 3,507 |
| Noninterest expense to average assets | 2.3963% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6336% | 4,043 |
| Return on assets (ROA) | 0.6336% | 4,160 |
| Pretax return on assets | 0.6336% | 4,720 |
| Return on Equity (ROE) | 4.0977% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.0977% | 3,443 |
| Net charge-offs to loans | -0.1455% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0883% | 1,735 |
| Assets per employee ($millions) | 4.6909% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 1,181 |
| Loan loss allowance to noncurrent loans | 214.5000% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 4,510 |
| Noncurrent loans to loans | 0.8322% | 2,761 |
| Net loans and leases to total assets | 25.8046% | 5,917 |
| Net loans and leases to deposits | 30.8878% | 5,915 |
| Net loans and leases to core deposits | 33.0325% | 5,906 |
| Total domestic deposits to total assets | 83.5431% | 3,698 |
| Equity capital to assets | 15.6698% | 571 |
| Core capital (leverage) ratio | 15.3854% | 546 |
| Tier 1 risk-based capital ratio | 38.3437% | 262 |
| Total risk-based capital ratio | 39.5081% | 261 |
| Memoranda: | ||
| Average total assets | $182,446,000 | 3,175 |
| Average earning assets | $167,304,500 | 3,182 |
| Average equity | $28,211,000 | 2,511 |
| Average total loans | $49,483,000 | 4,692 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 5,407 |
| Cost of funding earning assets | 0.3876% | 3,286 |
| Net interest margin | 2.8755% | 5,379 |
| Noninterest income to average assets | 0.4822% | 3,450 |
| Noninterest expense to average assets | 2.4667% | 4,333 |
| Loan and lease loss provision to assets | 0.0362% | 3,625 |
| Net operating income to assets | 0.5907% | 4,322 |
| Return on assets (ROA) | 0.5923% | 4,409 |
| Pretax return on assets | 0.6071% | 4,815 |
| Return on Equity (ROE) | 3.8903% | 4,993 |
| Retained earnings to average equity (ytd only) | 2.0117% | 4,586 |
| Net charge-offs to loans | 0.2122% | 1,388 |
| Credit loss provision to net charge-offs | 62.2642% | 3,239 |
| Earnings coverage of net charge-offs (x) | 11.0472% | 2,628 |
| Efficiency ratio | 79.3584% | 1,767 |
| Assets per employee ($millions) | 4.5512% | 2,960 |
| Cash dividends to net income (ytd only)* | 48.2886% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 1,469 |
| Loan loss allowance to noncurrent loans | 58.0913% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 2,563 |
| Noncurrent loans to loans | 2.8409% | 591 |
| Net loans and leases to total assets | 27.4981% | 5,951 |
| Net loans and leases to deposits | 32.8021% | 5,959 |
| Net loans and leases to core deposits | 34.9684% | 5,949 |
| Total domestic deposits to total assets | 83.8302% | 3,552 |
| Equity capital to assets | 15.3008% | 627 |
| Core capital (leverage) ratio | 15.4398% | 544 |
| Tier 1 risk-based capital ratio | 37.1314% | 278 |
| Total risk-based capital ratio | 38.2416% | 278 |
| Memoranda: | ||
| Average total assets | $182,512,000 | 3,132 |
| Average earning assets | $166,682,400 | 3,166 |
| Average equity | $27,787,400 | 2,483 |
| Average total loans | $49,956,400 | 4,673 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2748% | 5,451 |
| Cost of funding earning assets | 0.3875% | 3,357 |
| Net interest margin | 2.8872% | 5,437 |
| Noninterest income to average assets | 0.4351% | 3,830 |
| Noninterest expense to average assets | 2.3917% | 4,536 |
| Loan and lease loss provision to assets | 0.0329% | 3,570 |
| Net operating income to assets | 0.6432% | 4,169 |
| Return on assets (ROA) | 0.6454% | 4,267 |
| Pretax return on assets | 0.6454% | 4,842 |
| Return on Equity (ROE) | 4.2442% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.2442% | 3,447 |
| Net charge-offs to loans | 0.2896% | 918 |
| Credit loss provision to net charge-offs | 41.6667% | 3,144 |
| Earnings coverage of net charge-offs (x) | 8.5739% | 2,799 |
| Efficiency ratio | 77.9629% | 1,950 |
| Assets per employee ($millions) | 4.5692% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 1,665 |
| Loan loss allowance to noncurrent loans | 64.3307% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 3,001 |
| Noncurrent loans to loans | 2.5377% | 802 |
| Net loans and leases to total assets | 27.6253% | 6,037 |
| Net loans and leases to deposits | 33.2903% | 6,030 |
| Net loans and leases to core deposits | 35.5445% | 6,023 |
| Total domestic deposits to total assets | 82.9831% | 3,831 |
| Equity capital to assets | 16.0674% | 552 |
| Core capital (leverage) ratio | 15.7014% | 531 |
| Tier 1 risk-based capital ratio | 37.7210% | 287 |
| Total risk-based capital ratio | 38.8054% | 288 |
| Memoranda: | ||
| Average total assets | $182,627,750 | 3,162 |
| Average earning assets | $166,522,250 | 3,195 |
| Average equity | $27,770,500 | 2,488 |
| Average total loans | $49,720,500 | 4,725 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2465% | 5,544 |
| Cost of funding earning assets | 0.3857% | 3,419 |
| Net interest margin | 2.8608% | 5,516 |
| Noninterest income to average assets | 0.4085% | 4,022 |
| Noninterest expense to average assets | 2.4942% | 4,255 |
| Loan and lease loss provision to assets | 0.0326% | 3,469 |
| Net operating income to assets | 0.4845% | 4,835 |
| Return on assets (ROA) | 0.4878% | 4,921 |
| Pretax return on assets | 0.4878% | 5,261 |
| Return on Equity (ROE) | 3.2674% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.2674% | 3,971 |
| Net charge-offs to loans | 0.3548% | 741 |
| Credit loss provision to net charge-offs | 34.0909% | 2,880 |
| Earnings coverage of net charge-offs (x) | 5.4091% | 2,925 |
| Efficiency ratio | 82.8283% | 1,397 |
| Assets per employee ($millions) | 4.6577% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 1,877 |
| Loan loss allowance to noncurrent loans | 104.8469% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 4,013 |
| Noncurrent loans to loans | 1.5347% | 1,726 |
| Net loans and leases to total assets | 27.6701% | 6,102 |
| Net loans and leases to deposits | 32.9067% | 6,107 |
| Net loans and leases to core deposits | 35.1814% | 6,088 |
| Total domestic deposits to total assets | 84.0865% | 3,531 |
| Equity capital to assets | 15.0888% | 687 |
| Core capital (leverage) ratio | 15.2433% | 583 |
| Tier 1 risk-based capital ratio | 36.5318% | 325 |
| Total risk-based capital ratio | 37.6049% | 324 |
| Memoranda: | ||
| Average total assets | $184,104,000 | 3,173 |
| Average earning assets | $167,506,000 | 3,206 |
| Average equity | $27,483,330 | 2,520 |
| Average total loans | $49,612,330 | 4,765 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 5,628 |
| Cost of funding earning assets | 0.3884% | 3,430 |
| Net interest margin | 2.8235% | 5,598 |
| Noninterest income to average assets | 0.3496% | 4,401 |
| Noninterest expense to average assets | 2.4303% | 4,511 |
| Loan and lease loss provision to assets | 0.0324% | 3,241 |
| Net operating income to assets | 0.4446% | 4,898 |
| Return on assets (ROA) | 0.4511% | 4,982 |
| Pretax return on assets | 0.4511% | 5,314 |
| Return on Equity (ROE) | 3.0377% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.0377% | 4,162 |
| Net charge-offs to loans | 0.5565% | 444 |
| Credit loss provision to net charge-offs | 22.0588% | 2,341 |
| Earnings coverage of net charge-offs (x) | 3.2500% | 2,634 |
| Efficiency ratio | 83.5932% | 1,420 |
| Assets per employee ($millions) | 4.6799% | 2,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 1,883 |
| Loan loss allowance to noncurrent loans | 171.5768% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 4,715 |
| Noncurrent loans to loans | 0.9619% | 2,852 |
| Net loans and leases to total assets | 26.3275% | 6,181 |
| Net loans and leases to deposits | 31.2385% | 6,176 |
| Net loans and leases to core deposits | 33.3875% | 6,155 |
| Total domestic deposits to total assets | 84.2790% | 3,707 |
| Equity capital to assets | 14.9132% | 730 |
| Core capital (leverage) ratio | 15.0632% | 601 |
| Tier 1 risk-based capital ratio | 36.5174% | 324 |
| Total risk-based capital ratio | 37.6060% | 318 |
| Memoranda: | ||
| Average total assets | $185,330,500 | 3,172 |
| Average earning assets | $167,877,000 | 3,211 |
| Average equity | $27,520,500 | 2,536 |
| Average total loans | $48,876,000 | 4,823 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 5,423 |
| Cost of funding earning assets | 0.4215% | 3,462 |
| Net interest margin | 3.0350% | 5,363 |
| Noninterest income to average assets | 0.4929% | 3,564 |
| Noninterest expense to average assets | 2.6208% | 4,142 |
| Loan and lease loss provision to assets | 0.0424% | 3,719 |
| Net operating income to assets | 0.5761% | 4,478 |
| Return on assets (ROA) | 0.5761% | 4,562 |
| Pretax return on assets | 0.5761% | 5,011 |
| Return on Equity (ROE) | 3.9311% | 5,142 |
| Retained earnings to average equity (ytd only) | 1.9153% | 4,846 |
| Net charge-offs to loans | -0.0127% | 5,609 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9050% | 1,784 |
| Assets per employee ($millions) | 4.4753% | 3,075 |
| Cash dividends to net income (ytd only)* | 51.2770% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 1,431 |
| Loan loss allowance to noncurrent loans | 90.4419% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 3,910 |
| Noncurrent loans to loans | 2.0424% | 1,346 |
| Net loans and leases to total assets | 25.4848% | 6,288 |
| Net loans and leases to deposits | 30.1507% | 6,293 |
| Net loans and leases to core deposits | 32.3917% | 6,274 |
| Total domestic deposits to total assets | 84.5247% | 3,498 |
| Equity capital to assets | 14.7957% | 737 |
| Core capital (leverage) ratio | 15.3232% | 558 |
| Tier 1 risk-based capital ratio | 35.7757% | 320 |
| Total risk-based capital ratio | 36.9204% | 315 |
| Memoranda: | ||
| Average total assets | $176,703,000 | 3,245 |
| Average earning assets | $159,899,400 | 3,281 |
| Average equity | $25,896,200 | 2,582 |
| Average total loans | $47,397,600 | 4,905 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,400 |
| Cost of funding earning assets | 0.4269% | 3,495 |
| Net interest margin | 3.0680% | 5,339 |
| Noninterest income to average assets | 0.4266% | 4,049 |
| Noninterest expense to average assets | 2.5095% | 4,498 |
| Loan and lease loss provision to assets | 0.0457% | 3,473 |
| Net operating income to assets | 0.6476% | 4,226 |
| Return on assets (ROA) | 0.6476% | 4,321 |
| Pretax return on assets | 0.6476% | 4,883 |
| Return on Equity (ROE) | 4.4299% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.4299% | 3,502 |
| Net charge-offs to loans | -0.0563% | 5,956 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3539% | 2,126 |
| Assets per employee ($millions) | 4.0750% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 1,692 |
| Loan loss allowance to noncurrent loans | 82.0728% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 3,765 |
| Noncurrent loans to loans | 2.1936% | 1,393 |
| Net loans and leases to total assets | 27.3618% | 6,328 |
| Net loans and leases to deposits | 32.6585% | 6,329 |
| Net loans and leases to core deposits | 35.3254% | 6,290 |
| Total domestic deposits to total assets | 83.7815% | 3,842 |
| Equity capital to assets | 15.3231% | 671 |
| Core capital (leverage) ratio | 15.8714% | 496 |
| Tier 1 risk-based capital ratio | 36.8290% | 304 |
| Total risk-based capital ratio | 37.9909% | 299 |
| Memoranda: | ||
| Average total assets | $175,007,250 | 3,294 |
| Average earning assets | $158,363,000 | 3,329 |
| Average equity | $25,583,250 | 2,616 |
| Average total loans | $47,336,750 | 4,957 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 5,417 |
| Cost of funding earning assets | 0.4273% | 3,578 |
| Net interest margin | 3.0692% | 5,348 |
| Noninterest income to average assets | 0.3887% | 4,328 |
| Noninterest expense to average assets | 2.5198% | 4,510 |
| Loan and lease loss provision to assets | 0.0686% | 2,899 |
| Net operating income to assets | 0.5762% | 4,480 |
| Return on assets (ROA) | 0.5762% | 4,584 |
| Pretax return on assets | 0.5762% | 5,033 |
| Return on Equity (ROE) | 4.0062% | 5,148 |
| Retained earnings to average equity (ytd only) | 4.0062% | 3,633 |
| Net charge-offs to loans | -0.0384% | 5,770 |
| Credit loss provision to net charge-offs | -666.6667% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6243% | 2,075 |
| Assets per employee ($millions) | 4.0122% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 1,973 |
| Loan loss allowance to noncurrent loans | 105.7247% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 4,370 |
| Noncurrent loans to loans | 1.6559% | 2,096 |
| Net loans and leases to total assets | 27.5927% | 6,379 |
| Net loans and leases to deposits | 32.7478% | 6,371 |
| Net loans and leases to core deposits | 35.4850% | 6,343 |
| Total domestic deposits to total assets | 84.2582% | 3,831 |
| Equity capital to assets | 14.9482% | 712 |
| Core capital (leverage) ratio | 15.7232% | 516 |
| Tier 1 risk-based capital ratio | 35.6513% | 326 |
| Total risk-based capital ratio | 36.7757% | 327 |
| Memoranda: | ||
| Average total assets | $174,934,330 | 3,308 |
| Average earning assets | $158,216,330 | 3,348 |
| Average equity | $25,161,000 | 2,643 |
| Average total loans | $46,841,000 | 5,006 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4832% | 5,470 |
| Cost of funding earning assets | 0.4319% | 3,628 |
| Net interest margin | 3.0513% | 5,379 |
| Noninterest income to average assets | 0.2848% | 5,094 |
| Noninterest expense to average assets | 2.4533% | 4,780 |
| Loan and lease loss provision to assets | 0.0689% | 2,753 |
| Net operating income to assets | 0.5214% | 4,584 |
| Return on assets (ROA) | 0.5214% | 4,654 |
| Pretax return on assets | 0.5214% | 5,104 |
| Return on Equity (ROE) | 3.6990% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.6990% | 3,913 |
| Net charge-offs to loans | -0.0264% | 5,492 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6038% | 2,107 |
| Assets per employee ($millions) | 3.9306% | 4,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 2,142 |
| Loan loss allowance to noncurrent loans | 162.8180% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 5,069 |
| Noncurrent loans to loans | 1.0845% | 3,250 |
| Net loans and leases to total assets | 26.1690% | 6,464 |
| Net loans and leases to deposits | 30.7999% | 6,466 |
| Net loans and leases to core deposits | 33.2892% | 6,427 |
| Total domestic deposits to total assets | 84.9647% | 3,885 |
| Equity capital to assets | 14.2568% | 846 |
| Core capital (leverage) ratio | 15.6955% | 515 |
| Tier 1 risk-based capital ratio | 36.2343% | 310 |
| Total risk-based capital ratio | 37.3407% | 309 |
| Memoranda: | ||
| Average total assets | $174,133,500 | 3,345 |
| Average earning assets | $157,441,000 | 3,385 |
| Average equity | $24,547,000 | 2,688 |
| Average total loans | $45,472,000 | 5,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5495% | 5,534 |
| Cost of funding earning assets | 0.5073% | 3,534 |
| Net interest margin | 3.0423% | 5,474 |
| Noninterest income to average assets | 0.4923% | 3,806 |
| Noninterest expense to average assets | 2.4416% | 4,954 |
| Loan and lease loss provision to assets | 0.0610% | 3,922 |
| Net operating income to assets | 0.6537% | 4,012 |
| Return on assets (ROA) | 0.6537% | 4,116 |
| Pretax return on assets | 0.7506% | 4,338 |
| Return on Equity (ROE) | 4.3285% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.3218% | 4,599 |
| Net charge-offs to loans | 0.4204% | 1,590 |
| Credit loss provision to net charge-offs | 56.1497% | 3,668 |
| Earnings coverage of net charge-offs (x) | 7.4759% | 2,839 |
| Efficiency ratio | 75.0535% | 2,935 |
| Assets per employee ($millions) | 3.9858% | 3,891 |
| Cash dividends to net income (ytd only)* | 46.3588% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 1,996 |
| Loan loss allowance to noncurrent loans | 131.1987% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 4,931 |
| Noncurrent loans to loans | 1.3896% | 2,812 |
| Net loans and leases to total assets | 25.1041% | 6,586 |
| Net loans and leases to deposits | 29.3859% | 6,595 |
| Net loans and leases to core deposits | 31.5650% | 6,572 |
| Total domestic deposits to total assets | 85.4291% | 3,540 |
| Equity capital to assets | 13.9314% | 927 |
| Core capital (leverage) ratio | 15.8096% | 490 |
| Tier 1 risk-based capital ratio | 36.9709% | 278 |
| Total risk-based capital ratio | 38.0643% | 278 |
| Memoranda: | ||
| Average total assets | $172,262,600 | 3,377 |
| Average earning assets | $156,331,200 | 3,393 |
| Average equity | $26,013,800 | 2,544 |
| Average total loans | $44,483,600 | 5,167 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 5,559 |
| Cost of funding earning assets | 0.5256% | 3,519 |
| Net interest margin | 3.0326% | 5,511 |
| Noninterest income to average assets | 0.4561% | 4,115 |
| Noninterest expense to average assets | 2.3229% | 5,263 |
| Loan and lease loss provision to assets | 0.0580% | 3,887 |
| Net operating income to assets | 0.8318% | 3,185 |
| Return on assets (ROA) | 0.8318% | 3,311 |
| Pretax return on assets | 0.8318% | 4,179 |
| Return on Equity (ROE) | 5.4039% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.4039% | 2,796 |
| Net charge-offs to loans | 0.5943% | 1,051 |
| Credit loss provision to net charge-offs | 37.6884% | 3,754 |
| Earnings coverage of net charge-offs (x) | 5.7839% | 3,104 |
| Efficiency ratio | 72.3051% | 3,349 |
| Assets per employee ($millions) | 4.1637% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,997 |
| Loan loss allowance to noncurrent loans | 159.7046% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 5,322 |
| Noncurrent loans to loans | 1.0024% | 3,806 |
| Net loans and leases to total assets | 27.2573% | 6,617 |
| Net loans and leases to deposits | 32.3536% | 6,611 |
| Net loans and leases to core deposits | 34.8398% | 6,592 |
| Total domestic deposits to total assets | 84.2481% | 4,084 |
| Equity capital to assets | 14.7695% | 759 |
| Core capital (leverage) ratio | 16.3372% | 448 |
| Tier 1 risk-based capital ratio | 37.6804% | 272 |
| Total risk-based capital ratio | 38.7177% | 273 |
| Memoranda: | ||
| Average total assets | $172,480,750 | 3,400 |
| Average earning assets | $156,781,500 | 3,427 |
| Average equity | $26,548,000 | 2,523 |
| Average total loans | $44,648,250 | 5,217 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 5,523 |
| Cost of funding earning assets | 0.5545% | 3,364 |
| Net interest margin | 3.0163% | 5,531 |
| Noninterest income to average assets | 0.4472% | 4,183 |
| Noninterest expense to average assets | 2.2881% | 5,401 |
| Loan and lease loss provision to assets | 0.0520% | 3,945 |
| Net operating income to assets | 0.8540% | 3,026 |
| Return on assets (ROA) | 0.8540% | 3,169 |
| Pretax return on assets | 0.8540% | 4,101 |
| Return on Equity (ROE) | 5.4755% | 4,476 |
| Retained earnings to average equity (ytd only) | 5.4755% | 2,760 |
| Net charge-offs to loans | 0.3244% | 1,887 |
| Credit loss provision to net charge-offs | 63.3803% | 2,955 |
| Earnings coverage of net charge-offs (x) | 11.0423% | 2,097 |
| Efficiency ratio | 71.6353% | 3,529 |
| Assets per employee ($millions) | 4.1127% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9538% | 1,958 |
| Loan loss allowance to noncurrent loans | 148.4375% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 5,012 |
| Noncurrent loans to loans | 1.3163% | 3,355 |
| Net loans and leases to total assets | 25.4449% | 6,695 |
| Net loans and leases to deposits | 30.3203% | 6,690 |
| Net loans and leases to core deposits | 32.9962% | 6,663 |
| Total domestic deposits to total assets | 83.9206% | 4,354 |
| Equity capital to assets | 15.1620% | 682 |
| Core capital (leverage) ratio | 15.6095% | 503 |
| Tier 1 risk-based capital ratio | 34.9212% | 341 |
| Total risk-based capital ratio | 36.0202% | 341 |
| Memoranda: | ||
| Average total assets | $173,071,000 | 3,409 |
| Average earning assets | $157,612,000 | 3,439 |
| Average equity | $26,993,000 | 2,490 |
| Average total loans | $43,768,330 | 5,272 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 5,892 |
| Cost of funding earning assets | 0.5571% | 3,504 |
| Net interest margin | 2.8653% | 5,876 |
| Noninterest income to average assets | 0.3788% | 4,630 |
| Noninterest expense to average assets | 2.2362% | 5,594 |
| Loan and lease loss provision to assets | 0.0342% | 4,016 |
| Net operating income to assets | 0.7256% | 3,563 |
| Return on assets (ROA) | 0.7256% | 3,698 |
| Pretax return on assets | 0.7256% | 4,465 |
| Return on Equity (ROE) | 4.5910% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.5910% | 3,483 |
| Net charge-offs to loans | 0.3290% | 1,654 |
| Credit loss provision to net charge-offs | 41.6667% | 2,724 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 1,863 |
| Efficiency ratio | 74.6382% | 3,146 |
| Assets per employee ($millions) | 4.3614% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 2,139 |
| Loan loss allowance to noncurrent loans | 70.8986% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 4,379 |
| Noncurrent loans to loans | 2.7688% | 1,835 |
| Net loans and leases to total assets | 24.6195% | 6,756 |
| Net loans and leases to deposits | 29.5544% | 6,756 |
| Net loans and leases to core deposits | 32.0131% | 6,724 |
| Total domestic deposits to total assets | 83.3023% | 4,761 |
| Equity capital to assets | 15.8964% | 573 |
| Core capital (leverage) ratio | 15.3077% | 543 |
| Tier 1 risk-based capital ratio | 37.3924% | 281 |
| Total risk-based capital ratio | 38.5944% | 278 |
| Memoranda: | ||
| Average total assets | $175,297,000 | 3,406 |
| Average earning assets | $160,122,000 | 3,427 |
| Average equity | $27,706,500 | 2,468 |
| Average total loans | $43,772,500 | 5,310 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 6,180 |
| Cost of funding earning assets | 0.6030% | 4,321 |
| Net interest margin | 3.0214% | 6,005 |
| Noninterest income to average assets | 0.5474% | 3,604 |
| Noninterest expense to average assets | 2.4147% | 5,364 |
| Loan and lease loss provision to assets | 0.0774% | 4,741 |
| Net operating income to assets | 0.7355% | 3,580 |
| Return on assets (ROA) | 0.7355% | 3,823 |
| Pretax return on assets | 0.7956% | 4,309 |
| Return on Equity (ROE) | 4.4571% | 4,954 |
| Retained earnings to average equity (ytd only) | 2.2502% | 4,656 |
| Net charge-offs to loans | 0.3363% | 2,952 |
| Credit loss provision to net charge-offs | 90.9091% | 3,434 |
| Earnings coverage of net charge-offs (x) | 10.2587% | 2,155 |
| Efficiency ratio | 73.4480% | 3,163 |
| Assets per employee ($millions) | 4.4035% | 3,137 |
| Cash dividends to net income (ytd only)* | 49.5146% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0144% | 1,983 |
| Loan loss allowance to noncurrent loans | 66.9962% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 0.8516% | 4,342 |
| Noncurrent loans to loans | 3.0067% | 1,729 |
| Net loans and leases to total assets | 24.3296% | 6,852 |
| Net loans and leases to deposits | 29.1641% | 6,850 |
| Net loans and leases to core deposits | 31.2931% | 6,821 |
| Total domestic deposits to total assets | 83.4233% | 4,560 |
| Equity capital to assets | 15.7154% | 600 |
| Core capital (leverage) ratio | 15.2174% | 542 |
| Tier 1 risk-based capital ratio | 38.5298% | 260 |
| Total risk-based capital ratio | 39.7805% | 257 |
| Memoranda: | ||
| Average total assets | $168,052,200 | 3,485 |
| Average earning assets | $152,414,200 | 3,504 |
| Average equity | $27,730,800 | 2,420 |
| Average total loans | $42,521,600 | 5,398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6469% | 6,320 |
| Cost of funding earning assets | 0.6102% | 4,538 |
| Net interest margin | 3.0367% | 6,091 |
| Noninterest income to average assets | 0.5429% | 3,651 |
| Noninterest expense to average assets | 2.2967% | 5,687 |
| Loan and lease loss provision to assets | 0.0642% | 4,907 |
| Net operating income to assets | 0.9315% | 2,830 |
| Return on assets (ROA) | 0.9315% | 3,055 |
| Pretax return on assets | 0.9315% | 3,989 |
| Return on Equity (ROE) | 5.5748% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.5748% | 2,984 |
| Net charge-offs to loans | 0.4579% | 2,267 |
| Credit loss provision to net charge-offs | 55.1724% | 4,273 |
| Earnings coverage of net charge-offs (x) | 8.5516% | 2,430 |
| Efficiency ratio | 69.7561% | 3,736 |
| Assets per employee ($millions) | 4.2123% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 2,410 |
| Loan loss allowance to noncurrent loans | 69.5470% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8066% | 4,688 |
| Noncurrent loans to loans | 2.7634% | 2,041 |
| Net loans and leases to total assets | 25.1089% | 6,939 |
| Net loans and leases to deposits | 30.5902% | 6,939 |
| Net loans and leases to core deposits | 32.8958% | 6,918 |
| Total domestic deposits to total assets | 82.0814% | 4,993 |
| Equity capital to assets | 16.8621% | 481 |
| Core capital (leverage) ratio | 16.1084% | 466 |
| Tier 1 risk-based capital ratio | 40.3873% | 233 |
| Total risk-based capital ratio | 41.6289% | 230 |
| Memoranda: | ||
| Average total assets | $166,030,500 | 3,551 |
| Average earning assets | $150,334,000 | 3,577 |
| Average equity | $27,743,250 | 2,436 |
| Average total loans | $42,218,250 | 5,478 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6577% | 6,405 |
| Cost of funding earning assets | 0.6168% | 4,748 |
| Net interest margin | 3.0409% | 6,142 |
| Noninterest income to average assets | 0.6041% | 3,232 |
| Noninterest expense to average assets | 2.3025% | 5,726 |
| Loan and lease loss provision to assets | 0.0968% | 4,327 |
| Net operating income to assets | 0.9503% | 2,657 |
| Return on assets (ROA) | 0.9503% | 2,916 |
| Pretax return on assets | 0.9503% | 3,882 |
| Return on Equity (ROE) | 5.7048% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.7048% | 2,876 |
| Net charge-offs to loans | 0.2911% | 2,866 |
| Credit loss provision to net charge-offs | 131.1475% | 2,092 |
| Earnings coverage of net charge-offs (x) | 14.1803% | 1,730 |
| Efficiency ratio | 68.7387% | 3,984 |
| Assets per employee ($millions) | 4.0964% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1652% | 1,855 |
| Loan loss allowance to noncurrent loans | 80.0175% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 0.8098% | 4,778 |
| Noncurrent loans to loans | 2.7059% | 2,223 |
| Net loans and leases to total assets | 24.5630% | 7,018 |
| Net loans and leases to deposits | 29.8710% | 7,010 |
| Net loans and leases to core deposits | 32.1198% | 6,986 |
| Total domestic deposits to total assets | 82.2300% | 5,042 |
| Equity capital to assets | 16.6506% | 489 |
| Core capital (leverage) ratio | 15.9538% | 467 |
| Tier 1 risk-based capital ratio | 41.2955% | 209 |
| Total risk-based capital ratio | 42.5472% | 204 |
| Memoranda: | ||
| Average total assets | $165,210,670 | 3,583 |
| Average earning assets | $149,166,670 | 3,619 |
| Average equity | $27,520,670 | 2,444 |
| Average total loans | $41,912,670 | 5,518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 6,510 |
| Cost of funding earning assets | 0.6229% | 4,943 |
| Net interest margin | 3.0261% | 6,235 |
| Noninterest income to average assets | 0.6030% | 3,217 |
| Noninterest expense to average assets | 2.1997% | 6,044 |
| Loan and lease loss provision to assets | 0.1465% | 3,532 |
| Net operating income to assets | 1.0083% | 2,449 |
| Return on assets (ROA) | 1.0083% | 2,637 |
| Pretax return on assets | 1.0083% | 3,650 |
| Return on Equity (ROE) | 6.0516% | 4,257 |
| Retained earnings to average equity (ytd only) | 6.0516% | 2,923 |
| Net charge-offs to loans | 0.5361% | 1,747 |
| Credit loss provision to net charge-offs | 107.1429% | 2,171 |
| Earnings coverage of net charge-offs (x) | 8.4464% | 1,957 |
| Efficiency ratio | 65.5750% | 4,639 |
| Assets per employee ($millions) | 4.3799% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,936 |
| Loan loss allowance to noncurrent loans | 72.2446% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 4,586 |
| Noncurrent loans to loans | 3.0096% | 2,146 |
| Net loans and leases to total assets | 24.2753% | 7,077 |
| Net loans and leases to deposits | 29.3439% | 7,067 |
| Net loans and leases to core deposits | 31.5259% | 7,049 |
| Total domestic deposits to total assets | 82.7268% | 5,037 |
| Equity capital to assets | 16.4501% | 505 |
| Core capital (leverage) ratio | 16.0924% | 450 |
| Tier 1 risk-based capital ratio | 41.1819% | 211 |
| Total risk-based capital ratio | 42.4336% | 206 |
| Memoranda: | ||
| Average total assets | $163,840,000 | 3,624 |
| Average earning assets | $148,973,000 | 3,640 |
| Average equity | $27,298,500 | 2,451 |
| Average total loans | $41,785,500 | 5,558 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 6,646 |
| Cost of funding earning assets | 0.6924% | 5,591 |
| Net interest margin | 3.1831% | 6,146 |
| Noninterest income to average assets | 0.3834% | 4,758 |
| Noninterest expense to average assets | 2.4843% | 5,521 |
| Loan and lease loss provision to assets | 0.1536% | 4,700 |
| Net operating income to assets | 0.6811% | 3,574 |
| Return on assets (ROA) | 0.6811% | 3,765 |
| Pretax return on assets | 0.6529% | 4,503 |
| Return on Equity (ROE) | 4.0922% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.1307% | 4,699 |
| Net charge-offs to loans | 0.1140% | 5,237 |
| Credit loss provision to net charge-offs | 521.7391% | 439 |
| Earnings coverage of net charge-offs (x) | 27.3913% | 909 |
| Efficiency ratio | 75.4911% | 2,979 |
| Assets per employee ($millions) | 4.2432% | 3,386 |
| Cash dividends to net income (ytd only)* | 47.9323% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 1,961 |
| Loan loss allowance to noncurrent loans | 52.0373% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 4,031 |
| Noncurrent loans to loans | 4.0643% | 1,534 |
| Net loans and leases to total assets | 25.6606% | 7,126 |
| Net loans and leases to deposits | 31.1566% | 7,111 |
| Net loans and leases to core deposits | 32.8350% | 7,099 |
| Total domestic deposits to total assets | 82.3602% | 5,007 |
| Equity capital to assets | 16.8801% | 463 |
| Core capital (leverage) ratio | 16.1016% | 452 |
| Tier 1 risk-based capital ratio | 40.2276% | 226 |
| Total risk-based capital ratio | 41.4791% | 218 |
| Memoranda: | ||
| Average total assets | $156,220,800 | 3,699 |
| Average earning assets | $142,691,400 | 3,699 |
| Average equity | $26,000,800 | 2,482 |
| Average total loans | $40,352,200 | 5,673 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 6,703 |
| Cost of funding earning assets | 0.7027% | 5,749 |
| Net interest margin | 3.2217% | 6,105 |
| Noninterest income to average assets | 0.3502% | 5,055 |
| Noninterest expense to average assets | 2.4882% | 5,508 |
| Loan and lease loss provision to assets | 0.1549% | 4,529 |
| Net operating income to assets | 0.6539% | 3,853 |
| Return on assets (ROA) | 0.6539% | 4,016 |
| Pretax return on assets | 0.6539% | 4,628 |
| Return on Equity (ROE) | 3.9434% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.9434% | 3,915 |
| Net charge-offs to loans | 0.0736% | 5,224 |
| Credit loss provision to net charge-offs | 818.1818% | 325 |
| Earnings coverage of net charge-offs (x) | 42.7310% | 739 |
| Efficiency ratio | 75.4697% | 2,925 |
| Assets per employee ($millions) | 4.1861% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 2,216 |
| Loan loss allowance to noncurrent loans | 53.1928% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2598% | 4,281 |
| Noncurrent loans to loans | 3.8477% | 1,740 |
| Net loans and leases to total assets | 25.8143% | 7,195 |
| Net loans and leases to deposits | 31.5202% | 7,182 |
| Net loans and leases to core deposits | 33.3639% | 7,177 |
| Total domestic deposits to total assets | 81.8974% | 5,133 |
| Equity capital to assets | 17.1075% | 475 |
| Core capital (leverage) ratio | 16.6377% | 430 |
| Tier 1 risk-based capital ratio | 40.9620% | 231 |
| Total risk-based capital ratio | 42.2137% | 228 |
| Memoranda: | ||
| Average total assets | $154,965,250 | 3,740 |
| Average earning assets | $141,743,750 | 3,735 |
| Average equity | $25,696,500 | 2,512 |
| Average total loans | $39,872,750 | 5,750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 6,688 |
| Cost of funding earning assets | 0.7163% | 5,860 |
| Net interest margin | 3.2662% | 5,949 |
| Noninterest income to average assets | 0.3281% | 5,269 |
| Noninterest expense to average assets | 2.5300% | 5,435 |
| Loan and lease loss provision to assets | 0.1563% | 4,357 |
| Net operating income to assets | 0.6341% | 3,888 |
| Return on assets (ROA) | 0.6341% | 4,012 |
| Pretax return on assets | 0.6341% | 4,635 |
| Return on Equity (ROE) | 3.8665% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.8665% | 3,740 |
| Net charge-offs to loans | 0.0766% | 4,875 |
| Credit loss provision to net charge-offs | 800.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 40.4667% | 737 |
| Efficiency ratio | 76.1961% | 2,980 |
| Assets per employee ($millions) | 3.6053% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 2,363 |
| Loan loss allowance to noncurrent loans | 51.2412% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 4,297 |
| Noncurrent loans to loans | 3.9126% | 1,773 |
| Net loans and leases to total assets | 25.3804% | 7,292 |
| Net loans and leases to deposits | 30.8810% | 7,296 |
| Net loans and leases to core deposits | 32.8694% | 7,282 |
| Total domestic deposits to total assets | 82.1878% | 5,102 |
| Equity capital to assets | 16.8665% | 496 |
| Core capital (leverage) ratio | 16.6995% | 431 |
| Tier 1 risk-based capital ratio | 41.4513% | 222 |
| Total risk-based capital ratio | 42.7023% | 221 |
| Memoranda: | ||
| Average total assets | $153,596,670 | 3,787 |
| Average earning assets | $140,714,330 | 3,784 |
| Average equity | $25,191,000 | 2,538 |
| Average total loans | $39,190,000 | 5,833 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 6,658 |
| Cost of funding earning assets | 0.7411% | 5,919 |
| Net interest margin | 3.2789% | 5,849 |
| Noninterest income to average assets | 0.3244% | 5,325 |
| Noninterest expense to average assets | 2.5458% | 5,400 |
| Loan and lease loss provision to assets | 0.1570% | 4,063 |
| Net operating income to assets | 0.6201% | 3,925 |
| Return on assets (ROA) | 0.6201% | 3,992 |
| Pretax return on assets | 0.6201% | 4,603 |
| Return on Equity (ROE) | 3.8361% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.8361% | 3,873 |
| Net charge-offs to loans | 0.2480% | 3,098 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 12.3750% | 1,499 |
| Efficiency ratio | 76.6142% | 3,047 |
| Assets per employee ($millions) | 3.6586% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9104% | 2,657 |
| Loan loss allowance to noncurrent loans | 46.0576% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 4,578 |
| Noncurrent loans to loans | 4.1480% | 1,733 |
| Net loans and leases to total assets | 24.5924% | 7,363 |
| Net loans and leases to deposits | 29.6333% | 7,362 |
| Net loans and leases to core deposits | 31.3865% | 7,363 |
| Total domestic deposits to total assets | 82.9892% | 4,938 |
| Equity capital to assets | 16.1505% | 550 |
| Core capital (leverage) ratio | 16.7638% | 413 |
| Tier 1 risk-based capital ratio | 42.4083% | 204 |
| Total risk-based capital ratio | 43.6325% | 202 |
| Memoranda: | ||
| Average total assets | $152,880,500 | 3,833 |
| Average earning assets | $139,801,000 | 3,827 |
| Average equity | $24,712,500 | 2,573 |
| Average total loans | $38,709,000 | 5,905 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 7,016 |
| Cost of funding earning assets | 1.0072% | 5,655 |
| Net interest margin | 3.1153% | 6,482 |
| Noninterest income to average assets | 0.3693% | 5,146 |
| Noninterest expense to average assets | 2.4900% | 5,840 |
| Loan and lease loss provision to assets | 0.2361% | 4,921 |
| Net operating income to assets | 0.6154% | 3,606 |
| Return on assets (ROA) | 0.6154% | 3,774 |
| Pretax return on assets | 0.5267% | 4,535 |
| Return on Equity (ROE) | 3.5840% | 4,706 |
| Retained earnings to average equity (ytd only) | 1.8214% | 4,590 |
| Net charge-offs to loans | 0.7411% | 2,803 |
| Credit loss provision to net charge-offs | 116.6113% | 3,682 |
| Earnings coverage of net charge-offs (x) | 3.7674% | 3,198 |
| Efficiency ratio | 76.5509% | 2,953 |
| Assets per employee ($millions) | 3.7098% | 4,439 |
| Cash dividends to net income (ytd only)* | 49.1803% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,863 |
| Loan loss allowance to noncurrent loans | 36.7069% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3327% | 4,357 |
| Noncurrent loans to loans | 4.9032% | 1,396 |
| Net loans and leases to total assets | 25.1105% | 7,452 |
| Net loans and leases to deposits | 30.2210% | 7,457 |
| Net loans and leases to core deposits | 31.7152% | 7,452 |
| Total domestic deposits to total assets | 83.0894% | 4,760 |
| Equity capital to assets | 16.1788% | 556 |
| Core capital (leverage) ratio | 16.7321% | 418 |
| Tier 1 risk-based capital ratio | 42.3096% | 205 |
| Total risk-based capital ratio | 43.4822% | 199 |
| Memoranda: | ||
| Average total assets | $148,673,800 | 3,895 |
| Average earning assets | $137,612,000 | 3,862 |
| Average equity | $25,530,400 | 2,499 |
| Average total loans | $40,612,800 | 5,900 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1161% | 7,185 |
| Cost of funding earning assets | 1.0132% | 5,877 |
| Net interest margin | 3.1029% | 6,609 |
| Noninterest income to average assets | 0.3852% | 5,073 |
| Noninterest expense to average assets | 2.5093% | 5,687 |
| Loan and lease loss provision to assets | 0.1894% | 5,152 |
| Net operating income to assets | 0.5511% | 4,085 |
| Return on assets (ROA) | 0.5511% | 4,258 |
| Pretax return on assets | 0.5674% | 4,699 |
| Return on Equity (ROE) | 3.1623% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.1623% | 4,216 |
| Net charge-offs to loans | 0.7212% | 2,620 |
| Credit loss provision to net charge-offs | 94.5946% | 4,583 |
| Earnings coverage of net charge-offs (x) | 3.7793% | 3,301 |
| Efficiency ratio | 76.8296% | 2,790 |
| Assets per employee ($millions) | 3.6448% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 4,017 |
| Loan loss allowance to noncurrent loans | 31.2133% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 4,281 |
| Noncurrent loans to loans | 4.7707% | 1,477 |
| Net loans and leases to total assets | 28.2440% | 7,506 |
| Net loans and leases to deposits | 34.8231% | 7,494 |
| Net loans and leases to core deposits | 36.5144% | 7,493 |
| Total domestic deposits to total assets | 81.1071% | 5,328 |
| Equity capital to assets | 17.7761% | 434 |
| Core capital (leverage) ratio | 17.1915% | 413 |
| Tier 1 risk-based capital ratio | 42.2336% | 212 |
| Total risk-based capital ratio | 43.2941% | 211 |
| Memoranda: | ||
| Average total assets | $147,817,250 | 3,967 |
| Average earning assets | $137,245,750 | 3,914 |
| Average equity | $25,761,000 | 2,518 |
| Average total loans | $41,042,750 | 5,961 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 7,312 |
| Cost of funding earning assets | 1.0260% | 6,022 |
| Net interest margin | 3.0341% | 6,759 |
| Noninterest income to average assets | 0.3422% | 5,414 |
| Noninterest expense to average assets | 2.5082% | 5,692 |
| Loan and lease loss provision to assets | 0.1630% | 5,258 |
| Net operating income to assets | 0.4699% | 4,465 |
| Return on assets (ROA) | 0.4699% | 4,625 |
| Pretax return on assets | 0.4902% | 4,935 |
| Return on Equity (ROE) | 2.7144% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.7144% | 4,407 |
| Net charge-offs to loans | 0.7072% | 2,450 |
| Credit loss provision to net charge-offs | 83.9161% | 4,594 |
| Earnings coverage of net charge-offs (x) | 3.3636% | 3,356 |
| Efficiency ratio | 79.3385% | 2,524 |
| Assets per employee ($millions) | 3.6300% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,163 |
| Loan loss allowance to noncurrent loans | 34.9888% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2551% | 4,639 |
| Noncurrent loans to loans | 4.1522% | 1,799 |
| Net loans and leases to total assets | 28.5769% | 7,568 |
| Net loans and leases to deposits | 34.9998% | 7,553 |
| Net loans and leases to core deposits | 37.1310% | 7,546 |
| Total domestic deposits to total assets | 81.6489% | 5,127 |
| Equity capital to assets | 17.4219% | 477 |
| Core capital (leverage) ratio | 16.9868% | 442 |
| Tier 1 risk-based capital ratio | 40.9037% | 236 |
| Total risk-based capital ratio | 41.9235% | 233 |
| Memoranda: | ||
| Average total assets | $147,277,330 | 4,008 |
| Average earning assets | $136,844,670 | 3,955 |
| Average equity | $25,493,330 | 2,539 |
| Average total loans | $40,442,000 | 6,030 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 7,456 |
| Cost of funding earning assets | 1.0366% | 6,188 |
| Net interest margin | 2.9605% | 6,917 |
| Noninterest income to average assets | 0.3085% | 5,675 |
| Noninterest expense to average assets | 2.4491% | 5,915 |
| Loan and lease loss provision to assets | 0.0819% | 5,819 |
| Net operating income to assets | 0.5160% | 4,312 |
| Return on assets (ROA) | 0.5160% | 4,455 |
| Pretax return on assets | 0.5379% | 4,828 |
| Return on Equity (ROE) | 2.9910% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.9910% | 4,335 |
| Net charge-offs to loans | 1.5966% | 1,093 |
| Credit loss provision to net charge-offs | 19.2308% | 4,958 |
| Earnings coverage of net charge-offs (x) | 1.4551% | 3,869 |
| Efficiency ratio | 79.8043% | 2,596 |
| Assets per employee ($millions) | 3.4722% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 4,727 |
| Loan loss allowance to noncurrent loans | 41.3902% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 5,001 |
| Noncurrent loans to loans | 3.2414% | 2,467 |
| Net loans and leases to total assets | 26.4227% | 7,696 |
| Net loans and leases to deposits | 32.3209% | 7,689 |
| Net loans and leases to core deposits | 34.2415% | 7,680 |
| Total domestic deposits to total assets | 81.7510% | 5,175 |
| Equity capital to assets | 17.3747% | 490 |
| Core capital (leverage) ratio | 17.0965% | 448 |
| Tier 1 risk-based capital ratio | 42.7228% | 216 |
| Total risk-based capital ratio | 43.6187% | 218 |
| Memoranda: | ||
| Average total assets | $146,501,000 | 4,079 |
| Average earning assets | $136,600,500 | 4,022 |
| Average equity | $25,275,500 | 2,582 |
| Average total loans | $39,084,000 | 6,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 7,606 |
| Cost of funding earning assets | 1.1473% | 6,826 |
| Net interest margin | 3.0524% | 6,513 |
| Noninterest income to average assets | 0.4966% | 4,443 |
| Noninterest expense to average assets | 2.6058% | 5,781 |
| Loan and lease loss provision to assets | 0.1934% | 5,796 |
| Net operating income to assets | 0.6018% | 3,325 |
| Return on assets (ROA) | 0.6018% | 3,399 |
| Pretax return on assets | 0.5067% | 4,164 |
| Return on Equity (ROE) | 3.5315% | 4,274 |
| Retained earnings to average equity (ytd only) | 1.1113% | 4,267 |
| Net charge-offs to loans | 0.6086% | 3,393 |
| Credit loss provision to net charge-offs | 113.8889% | 4,811 |
| Earnings coverage of net charge-offs (x) | 4.1230% | 3,051 |
| Efficiency ratio | 78.8219% | 3,073 |
| Assets per employee ($millions) | 3.6792% | 4,572 |
| Cash dividends to net income (ytd only)* | 68.5330% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 3,039 |
| Loan loss allowance to noncurrent loans | 40.8291% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 4,501 |
| Noncurrent loans to loans | 4.0705% | 1,817 |
| Net loans and leases to total assets | 26.1339% | 7,783 |
| Net loans and leases to deposits | 31.8591% | 7,787 |
| Net loans and leases to core deposits | 41.0641% | 7,744 |
| Total domestic deposits to total assets | 82.0295% | 4,935 |
| Equity capital to assets | 17.1320% | 539 |
| Core capital (leverage) ratio | 16.9025% | 503 |
| Tier 1 risk-based capital ratio | 27.5439% | 668 |
| Total risk-based capital ratio | 28.2658% | 685 |
| Memoranda: | ||
| Average total assets | $148,397,000 | 3,979 |
| Average earning assets | $136,583,000 | 3,968 |
| Average equity | $25,286,800 | 2,584 |
| Average total loans | $41,405,800 | 6,042 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 7,692 |
| Cost of funding earning assets | 1.1612% | 6,999 |
| Net interest margin | 3.0926% | 6,330 |
| Noninterest income to average assets | 0.3712% | 5,541 |
| Noninterest expense to average assets | 2.5580% | 5,865 |
| Loan and lease loss provision to assets | 0.0646% | 6,708 |
| Net operating income to assets | 0.5451% | 3,809 |
| Return on assets (ROA) | 0.5451% | 3,891 |
| Pretax return on assets | 0.5855% | 4,228 |
| Return on Equity (ROE) | 3.2035% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.2035% | 3,521 |
| Net charge-offs to loans | 0.4288% | 3,539 |
| Credit loss provision to net charge-offs | 53.3333% | 6,263 |
| Earnings coverage of net charge-offs (x) | 5.3702% | 2,841 |
| Efficiency ratio | 79.7373% | 2,888 |
| Assets per employee ($millions) | 3.7450% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3517% | 4,192 |
| Loan loss allowance to noncurrent loans | 26.2131% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 1.6088% | 3,936 |
| Noncurrent loans to loans | 5.1566% | 1,250 |
| Net loans and leases to total assets | 26.8438% | 7,865 |
| Net loans and leases to deposits | 32.9928% | 7,870 |
| Net loans and leases to core deposits | 42.9088% | 7,814 |
| Total domestic deposits to total assets | 81.3625% | 4,936 |
| Equity capital to assets | 17.4252% | 571 |
| Core capital (leverage) ratio | 15.7203% | 724 |
| Tier 1 risk-based capital ratio | 37.1209% | 330 |
| Total risk-based capital ratio | 37.9344% | 330 |
| Memoranda: | ||
| Average total assets | $148,704,000 | 3,995 |
| Average earning assets | $136,409,000 | 3,999 |
| Average equity | $25,305,250 | 2,599 |
| Average total loans | $41,979,500 | 6,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 7,758 |
| Cost of funding earning assets | 1.1631% | 7,207 |
| Net interest margin | 3.1775% | 5,995 |
| Noninterest income to average assets | 0.3465% | 5,733 |
| Noninterest expense to average assets | 2.4606% | 6,260 |
| Loan and lease loss provision to assets | 0.0647% | 6,565 |
| Net operating income to assets | 0.6944% | 3,282 |
| Return on assets (ROA) | 0.6944% | 3,388 |
| Pretax return on assets | 0.7348% | 3,881 |
| Return on Equity (ROE) | 4.1135% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.1135% | 3,005 |
| Net charge-offs to loans | 0.4671% | 2,961 |
| Credit loss provision to net charge-offs | 48.4848% | 5,789 |
| Earnings coverage of net charge-offs (x) | 5.9899% | 2,711 |
| Efficiency ratio | 75.4756% | 3,791 |
| Assets per employee ($millions) | 3.7301% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,894 |
| Loan loss allowance to noncurrent loans | 27.8300% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 3,918 |
| Noncurrent loans to loans | 4.9176% | 1,260 |
| Net loans and leases to total assets | 27.1945% | 7,943 |
| Net loans and leases to deposits | 33.0771% | 7,953 |
| Net loans and leases to core deposits | 42.7191% | 7,897 |
| Total domestic deposits to total assets | 82.2155% | 4,600 |
| Equity capital to assets | 16.8649% | 683 |
| Core capital (leverage) ratio | 18.2809% | 477 |
| Tier 1 risk-based capital ratio | 37.4162% | 363 |
| Total risk-based capital ratio | 38.2571% | 365 |
| Memoranda: | ||
| Average total assets | $148,338,670 | 4,025 |
| Average earning assets | $136,019,330 | 4,026 |
| Average equity | $25,039,330 | 2,635 |
| Average total loans | $42,385,000 | 6,094 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4168% | 7,788 |
| Cost of funding earning assets | 1.1735% | 7,357 |
| Net interest margin | 3.2433% | 5,715 |
| Noninterest income to average assets | 0.3083% | 5,977 |
| Noninterest expense to average assets | 2.3745% | 6,277 |
| Loan and lease loss provision to assets | 0.0649% | 6,137 |
| Net operating income to assets | 0.8032% | 3,114 |
| Return on assets (ROA) | 0.8032% | 3,271 |
| Pretax return on assets | 0.8438% | 3,913 |
| Return on Equity (ROE) | 4.7563% | 4,574 |
| Retained earnings to average equity (ytd only) | 4.7563% | 3,258 |
| Net charge-offs to loans | 0.8928% | 1,468 |
| Credit loss provision to net charge-offs | 25.0000% | 5,008 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,155 |
| Efficiency ratio | 72.3229% | 4,132 |
| Assets per employee ($millions) | 3.7390% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 4,476 |
| Loan loss allowance to noncurrent loans | 47.9259% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 4,542 |
| Noncurrent loans to loans | 2.6001% | 2,536 |
| Net loans and leases to total assets | 28.7731% | 7,944 |
| Net loans and leases to deposits | 34.8974% | 7,968 |
| Net loans and leases to core deposits | 44.1745% | 7,899 |
| Total domestic deposits to total assets | 82.4505% | 4,390 |
| Equity capital to assets | 16.7217% | 760 |
| Core capital (leverage) ratio | 18.1985% | 533 |
| Tier 1 risk-based capital ratio | 40.9786% | 304 |
| Total risk-based capital ratio | 41.8747% | 303 |
| Memoranda: | ||
| Average total assets | $147,906,500 | 4,047 |
| Average earning assets | $135,664,000 | 4,040 |
| Average equity | $24,977,500 | 2,650 |
| Average total loans | $43,008,500 | 6,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9435% | 7,872 |
| Cost of funding earning assets | 1.5626% | 7,518 |
| Net interest margin | 3.3809% | 5,738 |
| Noninterest income to average assets | 0.3110% | 6,230 |
| Noninterest expense to average assets | 2.5205% | 5,932 |
| Loan and lease loss provision to assets | 0.0921% | 6,219 |
| Net operating income to assets | 0.8300% | 3,307 |
| Return on assets (ROA) | 0.8300% | 3,147 |
| Pretax return on assets | 0.8416% | 3,926 |
| Return on Equity (ROE) | 4.6844% | 4,520 |
| Retained earnings to average equity (ytd only) | 2.1806% | 3,865 |
| Net charge-offs to loans | 0.0833% | 5,570 |
| Credit loss provision to net charge-offs | 373.5294% | 1,183 |
| Earnings coverage of net charge-offs (x) | 37.8824% | 976 |
| Efficiency ratio | 72.9696% | 3,759 |
| Assets per employee ($millions) | 3.6563% | 4,273 |
| Cash dividends to net income (ytd only)* | 53.4498% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 2,931 |
| Loan loss allowance to noncurrent loans | 45.0549% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 3,711 |
| Noncurrent loans to loans | 3.2162% | 1,631 |
| Net loans and leases to total assets | 28.5984% | 8,024 |
| Net loans and leases to deposits | 34.7531% | 8,048 |
| Net loans and leases to core deposits | 43.6757% | 8,002 |
| Total domestic deposits to total assets | 82.2903% | 4,086 |
| Equity capital to assets | 17.0567% | 771 |
| Core capital (leverage) ratio | 17.2281% | 671 |
| Tier 1 risk-based capital ratio | 40.0398% | 340 |
| Total risk-based capital ratio | 41.0435% | 337 |
| Memoranda: | ||
| Average total assets | $137,946,600 | 4,120 |
| Average earning assets | $128,248,800 | 4,075 |
| Average equity | $24,443,000 | 2,693 |
| Average total loans | $40,814,000 | 6,131 |