Home > Bank of Dickson > Performance and Condition Ratios
Bank of Dickson, 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 | 3.6163% | 4,339 |
| Cost of funding earning assets | 1.0199% | 3,248 |
| Net interest margin | 2.5964% | 3,967 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.2396% | 3,009 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4134% | 3,840 |
| Return on assets (ROA) | 0.3557% | 3,941 |
| Pretax return on assets | 0.4300% | 3,920 |
| Return on Equity (ROE) | 4.6700% | 3,778 |
| Retained earnings to average equity (ytd only) | 1.1707% | 3,794 |
| Net charge-offs to loans | 0.0006% | 2,878 |
| Credit loss provision to net charge-offs | 8,600.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,531.0000% | 105 |
| Efficiency ratio | 80.8864% | 857 |
| Assets per employee ($millions) | 5.8899% | 2,912 |
| Cash dividends to net income (ytd only)* | 74.9271% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 2,574 |
| Loan loss allowance to noncurrent loans | 77.7644% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 569 |
| Noncurrent loans to loans | 1.4738% | 468 |
| Net loans and leases to total assets | 59.2200% | 2,922 |
| Net loans and leases to deposits | 67.6832% | 3,058 |
| Net loans and leases to core deposits | 71.0955% | 3,240 |
| Total domestic deposits to total assets | 87.4900% | 1,521 |
| Equity capital to assets | 8.2839% | 3,215 |
| Core capital (leverage) ratio | 10.9081% | 2,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $289,286,400 | 2,477 |
| Average earning assets | $277,187,400 | 2,427 |
| Average equity | $22,037,800 | 2,692 |
| Average total loans | $170,967,200 | 2,516 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 4,397 |
| Cost of funding earning assets | 0.9407% | 3,175 |
| Net interest margin | 2.5351% | 4,108 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.2433% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3501% | 4,049 |
| Return on assets (ROA) | 0.2708% | 4,152 |
| Pretax return on assets | 0.3139% | 4,157 |
| Return on Equity (ROE) | 3.6300% | 4,026 |
| Retained earnings to average equity (ytd only) | 0.0799% | 4,093 |
| Net charge-offs to loans | 0.0008% | 2,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 886.0000% | 180 |
| Efficiency ratio | 84.6739% | 577 |
| Assets per employee ($millions) | 5.7249% | 2,991 |
| Cash dividends to net income (ytd only)* | 97.8003% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 2,986 |
| Loan loss allowance to noncurrent loans | 51.3282% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 339 |
| Noncurrent loans to loans | 2.0964% | 276 |
| Net loans and leases to total assets | 59.5800% | 2,888 |
| Net loans and leases to deposits | 69.0805% | 2,907 |
| Net loans and leases to core deposits | 72.2636% | 3,091 |
| Total domestic deposits to total assets | 86.2400% | 2,120 |
| Equity capital to assets | 7.1368% | 3,549 |
| Core capital (leverage) ratio | 10.6768% | 2,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $290,928,750 | 2,475 |
| Average earning assets | $278,801,250 | 2,424 |
| Average equity | $21,692,250 | 2,708 |
| Average total loans | $171,370,000 | 2,522 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 4,426 |
| Cost of funding earning assets | 0.8375% | 3,107 |
| Net interest margin | 2.5425% | 4,165 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.2373% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3739% | 4,043 |
| Return on assets (ROA) | 0.2530% | 4,249 |
| Pretax return on assets | 0.2879% | 4,241 |
| Return on Equity (ROE) | 3.3500% | 4,114 |
| Retained earnings to average equity (ytd only) | -0.1447% | 4,121 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.0267% | 592 |
| Assets per employee ($millions) | 5.7972% | 2,887 |
| Cash dividends to net income (ytd only)* | 104.3243% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,093 |
| Loan loss allowance to noncurrent loans | 50.0404% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2796% | 306 |
| Noncurrent loans to loans | 2.1364% | 248 |
| Net loans and leases to total assets | 59.2500% | 2,841 |
| Net loans and leases to deposits | 68.0708% | 2,919 |
| Net loans and leases to core deposits | 70.8183% | 3,078 |
| Total domestic deposits to total assets | 87.0500% | 1,915 |
| Equity capital to assets | 7.5974% | 3,469 |
| Core capital (leverage) ratio | 10.6139% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $292,489,333 | 2,468 |
| Average earning assets | $280,585,000 | 2,419 |
| Average equity | $22,113,333 | 2,685 |
| Average total loans | $171,029,333 | 2,519 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 4,436 |
| Cost of funding earning assets | 0.7265% | 2,964 |
| Net interest margin | 2.5725% | 4,236 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.1947% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4533% | 3,995 |
| Return on assets (ROA) | 0.1852% | 4,338 |
| Pretax return on assets | 0.1892% | 4,349 |
| Return on Equity (ROE) | 2.4500% | 4,245 |
| Retained earnings to average equity (ytd only) | -1.0289% | 4,128 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.5820% | 672 |
| Assets per employee ($millions) | 5.8144% | 2,921 |
| Cash dividends to net income (ytd only)* | 141.9118% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,173 |
| Loan loss allowance to noncurrent loans | 49.4143% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2920% | 275 |
| Noncurrent loans to loans | 2.1765% | 246 |
| Net loans and leases to total assets | 58.7200% | 2,798 |
| Net loans and leases to deposits | 67.1373% | 2,839 |
| Net loans and leases to core deposits | 69.5104% | 2,985 |
| Total domestic deposits to total assets | 87.4600% | 2,108 |
| Equity capital to assets | 7.7005% | 3,442 |
| Core capital (leverage) ratio | 10.4684% | 2,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $293,803,000 | 2,496 |
| Average earning assets | $281,907,500 | 2,444 |
| Average equity | $22,159,000 | 2,705 |
| Average total loans | $169,741,000 | 2,547 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0288% | 4,099 |
| Cost of funding earning assets | 0.2944% | 2,923 |
| Net interest margin | 2.7344% | 4,005 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.0896% | 3,328 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6157% | 3,842 |
| Return on assets (ROA) | 0.5849% | 3,879 |
| Pretax return on assets | 0.7185% | 3,817 |
| Return on Equity (ROE) | 7.1900% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.0330% | 3,386 |
| Net charge-offs to loans | 0.0031% | 2,369 |
| Credit loss provision to net charge-offs | 3,760.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 491.6000% | 336 |
| Efficiency ratio | 71.8378% | 1,463 |
| Assets per employee ($millions) | 6.0589% | 2,710 |
| Cash dividends to net income (ytd only)* | 43.9316% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 2,842 |
| Loan loss allowance to noncurrent loans | 48.9065% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.2783% | 284 |
| Noncurrent loans to loans | 2.2737% | 223 |
| Net loans and leases to total assets | 55.6000% | 3,073 |
| Net loans and leases to deposits | 63.9816% | 3,043 |
| Net loans and leases to core deposits | 65.9459% | 3,135 |
| Total domestic deposits to total assets | 86.8900% | 2,426 |
| Equity capital to assets | 7.3870% | 3,451 |
| Core capital (leverage) ratio | 10.3960% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $300,054,000 | 2,451 |
| Average earning assets | $289,354,200 | 2,390 |
| Average equity | $24,399,000 | 2,610 |
| Average total loans | $159,124,200 | 2,545 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9038% | 4,056 |
| Cost of funding earning assets | 0.2498% | 2,710 |
| Net interest margin | 2.6541% | 4,015 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.1025% | 3,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5509% | 3,971 |
| Return on assets (ROA) | 0.5389% | 3,933 |
| Pretax return on assets | 0.6550% | 3,889 |
| Return on Equity (ROE) | 6.4800% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.4004% | 3,668 |
| Net charge-offs to loans | 0.0025% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 503.6667% | 310 |
| Efficiency ratio | 75.8433% | 1,094 |
| Assets per employee ($millions) | 5.5844% | 3,139 |
| Cash dividends to net income (ytd only)* | 47.5329% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,447 |
| Loan loss allowance to noncurrent loans | 37.7999% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.4927% | 227 |
| Noncurrent loans to loans | 2.6605% | 190 |
| Net loans and leases to total assets | 55.5400% | 2,951 |
| Net loans and leases to deposits | 61.1619% | 3,097 |
| Net loans and leases to core deposits | 62.9193% | 3,196 |
| Total domestic deposits to total assets | 90.8100% | 1,314 |
| Equity capital to assets | 6.9892% | 3,529 |
| Core capital (leverage) ratio | 10.1427% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $300,846,250 | 2,466 |
| Average earning assets | $290,414,750 | 2,403 |
| Average equity | $25,016,000 | 2,621 |
| Average total loans | $157,177,250 | 2,566 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7633% | 4,044 |
| Cost of funding earning assets | 0.2387% | 2,409 |
| Net interest margin | 2.5247% | 4,047 |
| Noninterest income to average assets | 0.2182% | 3,889 |
| Noninterest expense to average assets | 2.0861% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4785% | 3,951 |
| Return on assets (ROA) | 0.4807% | 3,895 |
| Pretax return on assets | 0.5759% | 3,858 |
| Return on Equity (ROE) | 5.4952% | 3,706 |
| Retained earnings to average equity (ytd only) | 2.5775% | 3,591 |
| Net charge-offs to loans | 0.0039% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 419 |
| Efficiency ratio | 78.4436% | 1,058 |
| Assets per employee ($millions) | 5.2421% | 3,483 |
| Cash dividends to net income (ytd only)* | 53.0949% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,393 |
| Loan loss allowance to noncurrent loans | 35.7832% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5619% | 223 |
| Noncurrent loans to loans | 2.9272% | 173 |
| Net loans and leases to total assets | 52.7994% | 3,083 |
| Net loans and leases to deposits | 56.9780% | 3,302 |
| Net loans and leases to core deposits | 58.6405% | 3,379 |
| Total domestic deposits to total assets | 92.6663% | 598 |
| Equity capital to assets | 7.2042% | 3,662 |
| Core capital (leverage) ratio | 10.0142% | 2,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,471,333 | 2,469 |
| Average earning assets | $292,475,667 | 2,420 |
| Average equity | $26,459,333 | 2,610 |
| Average total loans | $154,217,667 | 2,605 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6532% | 4,029 |
| Cost of funding earning assets | 0.2358% | 2,310 |
| Net interest margin | 2.4174% | 4,039 |
| Noninterest income to average assets | 0.2116% | 3,894 |
| Noninterest expense to average assets | 2.0361% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4390% | 3,876 |
| Return on assets (ROA) | 0.4390% | 3,840 |
| Pretax return on assets | 0.5205% | 3,834 |
| Return on Equity (ROE) | 4.6187% | 3,722 |
| Retained earnings to average equity (ytd only) | 1.9498% | 3,559 |
| Net charge-offs to loans | 0.0026% | 1,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 396.0000% | 256 |
| Efficiency ratio | 79.6401% | 1,177 |
| Assets per employee ($millions) | 5.9616% | 2,841 |
| Cash dividends to net income (ytd only)* | 57.7844% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,414 |
| Loan loss allowance to noncurrent loans | 36.0112% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 234 |
| Noncurrent loans to loans | 3.0018% | 179 |
| Net loans and leases to total assets | 50.3223% | 3,139 |
| Net loans and leases to deposits | 56.2383% | 3,247 |
| Net loans and leases to core deposits | 57.9663% | 3,302 |
| Total domestic deposits to total assets | 89.4805% | 1,825 |
| Equity capital to assets | 8.6300% | 3,049 |
| Core capital (leverage) ratio | 10.0406% | 2,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,308,500 | 2,479 |
| Average earning assets | $295,188,500 | 2,418 |
| Average equity | $28,926,000 | 2,540 |
| Average total loans | $151,610,000 | 2,619 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8125% | 4,186 |
| Cost of funding earning assets | 0.2847% | 2,552 |
| Net interest margin | 2.5278% | 4,155 |
| Noninterest income to average assets | 0.2768% | 3,733 |
| Noninterest expense to average assets | 2.0396% | 3,554 |
| Loan and lease loss provision to assets | 0.0172% | 2,729 |
| Net operating income to assets | 0.5569% | 3,965 |
| Return on assets (ROA) | 0.5626% | 4,002 |
| Pretax return on assets | 0.6819% | 3,967 |
| Return on Equity (ROE) | 5.1128% | 3,971 |
| Retained earnings to average equity (ytd only) | 2.6974% | 3,762 |
| Net charge-offs to loans | 0.0309% | 1,619 |
| Credit loss provision to net charge-offs | 113.6364% | 1,685 |
| Earnings coverage of net charge-offs (x) | 45.6364% | 1,355 |
| Efficiency ratio | 74.6593% | 1,236 |
| Assets per employee ($millions) | 5.7467% | 3,012 |
| Cash dividends to net income (ytd only)* | 47.2426% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,245 |
| Loan loss allowance to noncurrent loans | 36.1965% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.5175% | 272 |
| Noncurrent loans to loans | 3.1115% | 182 |
| Net loans and leases to total assets | 48.2226% | 3,482 |
| Net loans and leases to deposits | 54.8908% | 3,526 |
| Net loans and leases to core deposits | 56.5453% | 3,576 |
| Total domestic deposits to total assets | 87.8518% | 2,125 |
| Equity capital to assets | 10.3794% | 2,296 |
| Core capital (leverage) ratio | 10.1412% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,060,600 | 2,480 |
| Average earning assets | $281,702,200 | 2,425 |
| Average equity | $31,919,800 | 2,428 |
| Average total loans | $142,374,600 | 2,701 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8834% | 4,193 |
| Cost of funding earning assets | 0.2973% | 2,617 |
| Net interest margin | 2.5861% | 4,154 |
| Noninterest income to average assets | 0.2090% | 4,151 |
| Noninterest expense to average assets | 2.0640% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5435% | 4,114 |
| Return on assets (ROA) | 0.5451% | 4,155 |
| Pretax return on assets | 0.6573% | 4,145 |
| Return on Equity (ROE) | 4.8796% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.4710% | 4,064 |
| Net charge-offs to loans | 0.0417% | 1,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,489 |
| Efficiency ratio | 75.8987% | 1,043 |
| Assets per employee ($millions) | 5.4363% | 3,270 |
| Cash dividends to net income (ytd only)* | 49.3595% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,273 |
| Loan loss allowance to noncurrent loans | 36.5623% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.4846% | 333 |
| Noncurrent loans to loans | 3.1068% | 207 |
| Net loans and leases to total assets | 47.2426% | 3,689 |
| Net loans and leases to deposits | 54.3215% | 3,713 |
| Net loans and leases to core deposits | 56.0707% | 3,768 |
| Total domestic deposits to total assets | 86.9685% | 2,366 |
| Equity capital to assets | 10.8248% | 2,150 |
| Core capital (leverage) ratio | 10.4353% | 2,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,432,500 | 2,520 |
| Average earning assets | $278,049,000 | 2,460 |
| Average equity | $31,996,500 | 2,460 |
| Average total loans | $140,831,750 | 2,756 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 4,041 |
| Cost of funding earning assets | 0.3164% | 2,630 |
| Net interest margin | 2.6860% | 4,006 |
| Noninterest income to average assets | 0.2190% | 4,097 |
| Noninterest expense to average assets | 2.0805% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6101% | 3,960 |
| Return on assets (ROA) | 0.6101% | 4,017 |
| Pretax return on assets | 0.7433% | 3,985 |
| Return on Equity (ROE) | 5.4026% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.9805% | 3,843 |
| Net charge-offs to loans | 0.0029% | 2,090 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 524.5000% | 249 |
| Efficiency ratio | 73.6763% | 1,270 |
| Assets per employee ($millions) | 5.2311% | 3,428 |
| Cash dividends to net income (ytd only)* | 44.8316% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,079 |
| Loan loss allowance to noncurrent loans | 38.3464% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 375 |
| Noncurrent loans to loans | 3.0618% | 234 |
| Net loans and leases to total assets | 48.7115% | 3,664 |
| Net loans and leases to deposits | 56.0106% | 3,708 |
| Net loans and leases to core deposits | 57.6364% | 3,786 |
| Total domestic deposits to total assets | 86.9684% | 2,338 |
| Equity capital to assets | 11.1505% | 1,873 |
| Core capital (leverage) ratio | 10.6069% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,243,667 | 2,546 |
| Average earning assets | $273,713,000 | 2,484 |
| Average equity | $31,873,333 | 2,454 |
| Average total loans | $140,149,667 | 2,780 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 4,101 |
| Cost of funding earning assets | 0.3260% | 2,743 |
| Net interest margin | 2.6681% | 4,026 |
| Noninterest income to average assets | 0.2132% | 4,115 |
| Noninterest expense to average assets | 2.0750% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5996% | 3,945 |
| Return on assets (ROA) | 0.5996% | 4,008 |
| Pretax return on assets | 0.7270% | 3,966 |
| Return on Equity (ROE) | 5.2755% | 4,035 |
| Retained earnings to average equity (ytd only) | 2.8455% | 3,828 |
| Net charge-offs to loans | 0.0057% | 1,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 340 |
| Efficiency ratio | 74.0552% | 1,306 |
| Assets per employee ($millions) | 5.0783% | 3,555 |
| Cash dividends to net income (ytd only)* | 46.0621% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,038 |
| Loan loss allowance to noncurrent loans | 35.8373% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.6634% | 350 |
| Noncurrent loans to loans | 3.2921% | 224 |
| Net loans and leases to total assets | 49.9305% | 3,632 |
| Net loans and leases to deposits | 57.3409% | 3,690 |
| Net loans and leases to core deposits | 59.3452% | 3,751 |
| Total domestic deposits to total assets | 87.0766% | 2,286 |
| Equity capital to assets | 11.2149% | 1,714 |
| Core capital (leverage) ratio | 11.1207% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,511,500 | 2,546 |
| Average earning assets | $271,199,500 | 2,484 |
| Average equity | $31,769,500 | 2,449 |
| Average total loans | $139,318,500 | 2,793 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 4,294 |
| Cost of funding earning assets | 0.4498% | 3,281 |
| Net interest margin | 2.8757% | 4,151 |
| Noninterest income to average assets | 0.3027% | 3,661 |
| Noninterest expense to average assets | 2.2305% | 3,595 |
| Loan and lease loss provision to assets | 0.0294% | 4,030 |
| Net operating income to assets | 0.6693% | 3,524 |
| Return on assets (ROA) | 0.7014% | 3,561 |
| Pretax return on assets | 0.8645% | 3,462 |
| Return on Equity (ROE) | 5.7687% | 3,653 |
| Retained earnings to average equity (ytd only) | 3.2826% | 3,185 |
| Net charge-offs to loans | 0.0142% | 2,841 |
| Credit loss provision to net charge-offs | 375.0000% | 1,507 |
| Earnings coverage of net charge-offs (x) | 108.9500% | 745 |
| Efficiency ratio | 72.3055% | 1,647 |
| Assets per employee ($millions) | 5.3791% | 2,977 |
| Cash dividends to net income (ytd only)* | 43.0967% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,879 |
| Loan loss allowance to noncurrent loans | 36.2628% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.6435% | 411 |
| Noncurrent loans to loans | 3.3430% | 226 |
| Net loans and leases to total assets | 48.5655% | 3,935 |
| Net loans and leases to deposits | 56.0405% | 3,993 |
| Net loans and leases to core deposits | 58.0827% | 4,049 |
| Total domestic deposits to total assets | 86.6614% | 2,093 |
| Equity capital to assets | 11.5171% | 1,871 |
| Core capital (leverage) ratio | 11.3535% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,054,000 | 2,544 |
| Average earning assets | $246,755,000 | 2,481 |
| Average equity | $31,012,400 | 2,430 |
| Average total loans | $140,583,400 | 2,746 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4774% | 4,244 |
| Cost of funding earning assets | 0.4764% | 3,385 |
| Net interest margin | 3.0011% | 3,975 |
| Noninterest income to average assets | 0.2421% | 4,032 |
| Noninterest expense to average assets | 2.3105% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6745% | 3,544 |
| Return on assets (ROA) | 0.7184% | 3,498 |
| Pretax return on assets | 0.8882% | 3,411 |
| Return on Equity (ROE) | 5.8217% | 3,611 |
| Retained earnings to average equity (ytd only) | 3.3081% | 3,390 |
| Net charge-offs to loans | 0.0066% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 222.4286% | 462 |
| Efficiency ratio | 73.4753% | 1,462 |
| Assets per employee ($millions) | 5.1713% | 3,046 |
| Cash dividends to net income (ytd only)* | 43.1767% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,046 |
| Loan loss allowance to noncurrent loans | 35.0590% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7705% | 431 |
| Noncurrent loans to loans | 3.2190% | 274 |
| Net loans and leases to total assets | 54.3815% | 3,770 |
| Net loans and leases to deposits | 63.5570% | 3,827 |
| Net loans and leases to core deposits | 65.7482% | 3,906 |
| Total domestic deposits to total assets | 85.5633% | 2,233 |
| Equity capital to assets | 12.2855% | 1,526 |
| Core capital (leverage) ratio | 11.4688% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,888,750 | 2,571 |
| Average earning assets | $240,707,750 | 2,510 |
| Average equity | $30,711,750 | 2,433 |
| Average total loans | $141,351,250 | 2,742 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,304 |
| Cost of funding earning assets | 0.4923% | 3,585 |
| Net interest margin | 3.0826% | 3,940 |
| Noninterest income to average assets | 0.2524% | 3,963 |
| Noninterest expense to average assets | 2.3325% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7174% | 3,331 |
| Return on assets (ROA) | 0.7832% | 3,214 |
| Pretax return on assets | 0.9794% | 3,086 |
| Return on Equity (ROE) | 6.3372% | 3,385 |
| Retained earnings to average equity (ytd only) | 3.8010% | 3,011 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2208% | 1,650 |
| Assets per employee ($millions) | 4.8818% | 3,329 |
| Cash dividends to net income (ytd only)* | 40.0208% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 2,882 |
| Loan loss allowance to noncurrent loans | 34.5997% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.7673% | 461 |
| Noncurrent loans to loans | 3.2631% | 269 |
| Net loans and leases to total assets | 53.5493% | 3,912 |
| Net loans and leases to deposits | 62.7326% | 3,967 |
| Net loans and leases to core deposits | 64.8517% | 4,029 |
| Total domestic deposits to total assets | 85.3611% | 2,251 |
| Equity capital to assets | 11.8755% | 1,740 |
| Core capital (leverage) ratio | 11.6233% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,663,667 | 2,569 |
| Average earning assets | $237,269,000 | 2,508 |
| Average equity | $30,360,333 | 2,446 |
| Average total loans | $141,063,000 | 2,736 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4978% | 4,631 |
| Cost of funding earning assets | 0.5107% | 3,891 |
| Net interest margin | 2.9871% | 4,301 |
| Noninterest income to average assets | 0.2636% | 3,957 |
| Noninterest expense to average assets | 2.4083% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6067% | 3,579 |
| Return on assets (ROA) | 0.6067% | 3,638 |
| Pretax return on assets | 0.7419% | 3,560 |
| Return on Equity (ROE) | 4.8047% | 3,704 |
| Retained earnings to average equity (ytd only) | 2.2217% | 3,360 |
| Net charge-offs to loans | 0.0086% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 146.3333% | 439 |
| Efficiency ratio | 76.4485% | 1,516 |
| Assets per employee ($millions) | 4.5191% | 3,231 |
| Cash dividends to net income (ytd only)* | 53.7604% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 2,849 |
| Loan loss allowance to noncurrent loans | 31.9373% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.1034% | 374 |
| Noncurrent loans to loans | 3.6500% | 244 |
| Net loans and leases to total assets | 56.9562% | 3,757 |
| Net loans and leases to deposits | 66.7481% | 3,813 |
| Net loans and leases to core deposits | 69.1405% | 3,928 |
| Total domestic deposits to total assets | 85.3302% | 2,276 |
| Equity capital to assets | 12.6445% | 1,650 |
| Core capital (leverage) ratio | 12.2126% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,686,000 | 2,583 |
| Average earning assets | $228,717,500 | 2,506 |
| Average equity | $29,887,500 | 2,461 |
| Average total loans | $140,205,500 | 2,724 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 4,469 |
| Cost of funding earning assets | 0.5070% | 4,059 |
| Net interest margin | 3.3734% | 3,815 |
| Noninterest income to average assets | 0.3462% | 3,636 |
| Noninterest expense to average assets | 2.5028% | 3,443 |
| Loan and lease loss provision to assets | 0.0434% | 3,142 |
| Net operating income to assets | 0.8666% | 3,334 |
| Return on assets (ROA) | 0.8941% | 3,312 |
| Pretax return on assets | 1.1004% | 3,163 |
| Return on Equity (ROE) | 6.8680% | 3,598 |
| Retained earnings to average equity (ytd only) | -2.1425% | 4,875 |
| Net charge-offs to loans | 0.0028% | 3,586 |
| Credit loss provision to net charge-offs | 2,500.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 638.7500% | 156 |
| Efficiency ratio | 69.2761% | 2,279 |
| Assets per employee ($millions) | 4.5855% | 3,100 |
| Cash dividends to net income (ytd only)* | 131.1953% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,777 |
| Loan loss allowance to noncurrent loans | 65.1576% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.0579% | 1,173 |
| Noncurrent loans to loans | 1.7375% | 786 |
| Net loans and leases to total assets | 60.1954% | 3,572 |
| Net loans and leases to deposits | 70.2295% | 3,649 |
| Net loans and leases to core deposits | 72.7912% | 3,810 |
| Total domestic deposits to total assets | 85.7124% | 2,185 |
| Equity capital to assets | 12.6101% | 1,762 |
| Core capital (leverage) ratio | 12.3334% | 1,576 |
| Tier 1 risk-based capital ratio | 24.2026% | 811 |
| Total risk-based capital ratio | 25.4536% | 793 |
| Memoranda: | ||
| Average total assets | $230,181,000 | 2,575 |
| Average earning assets | $222,887,600 | 2,515 |
| Average equity | $29,965,200 | 2,393 |
| Average total loans | $142,129,400 | 2,700 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8918% | 4,556 |
| Cost of funding earning assets | 0.4971% | 4,150 |
| Net interest margin | 3.3947% | 3,872 |
| Noninterest income to average assets | 0.2850% | 4,033 |
| Noninterest expense to average assets | 2.4862% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8857% | 3,400 |
| Return on assets (ROA) | 0.8857% | 3,475 |
| Pretax return on assets | 1.0835% | 3,341 |
| Return on Equity (ROE) | 6.7498% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.1882% | 3,305 |
| Net charge-offs to loans | -0.0038% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6481% | 2,169 |
| Assets per employee ($millions) | 4.8620% | 2,721 |
| Cash dividends to net income (ytd only)* | 37.9515% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,116 |
| Loan loss allowance to noncurrent loans | 61.2163% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0422% | 1,279 |
| Noncurrent loans to loans | 1.7688% | 812 |
| Net loans and leases to total assets | 58.2846% | 3,848 |
| Net loans and leases to deposits | 68.5572% | 3,880 |
| Net loans and leases to core deposits | 71.0321% | 3,999 |
| Total domestic deposits to total assets | 85.0161% | 2,417 |
| Equity capital to assets | 12.9951% | 1,630 |
| Core capital (leverage) ratio | 13.1751% | 1,268 |
| Tier 1 risk-based capital ratio | 25.4767% | 738 |
| Total risk-based capital ratio | 26.7273% | 726 |
| Memoranda: | ||
| Average total assets | $229,261,250 | 2,610 |
| Average earning assets | $221,830,750 | 2,539 |
| Average equity | $30,084,000 | 2,405 |
| Average total loans | $142,065,500 | 2,726 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 4,558 |
| Cost of funding earning assets | 0.4776% | 4,218 |
| Net interest margin | 3.4193% | 3,834 |
| Noninterest income to average assets | 0.2996% | 3,936 |
| Noninterest expense to average assets | 2.5350% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8874% | 3,331 |
| Return on assets (ROA) | 0.8874% | 3,397 |
| Pretax return on assets | 1.0739% | 3,312 |
| Return on Equity (ROE) | 6.7400% | 3,771 |
| Retained earnings to average equity (ytd only) | 4.1487% | 3,171 |
| Net charge-offs to loans | -0.0056% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2425% | 2,188 |
| Assets per employee ($millions) | 4.2860% | 3,456 |
| Cash dividends to net income (ytd only)* | 38.4462% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 3,224 |
| Loan loss allowance to noncurrent loans | 60.1742% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.1120% | 1,219 |
| Noncurrent loans to loans | 1.7824% | 844 |
| Net loans and leases to total assets | 61.7188% | 3,580 |
| Net loans and leases to deposits | 72.4875% | 3,643 |
| Net loans and leases to core deposits | 75.4954% | 3,768 |
| Total domestic deposits to total assets | 85.1441% | 2,416 |
| Equity capital to assets | 13.4670% | 1,337 |
| Core capital (leverage) ratio | 13.2210% | 1,205 |
| Tier 1 risk-based capital ratio | 25.5143% | 716 |
| Total risk-based capital ratio | 26.7650% | 704 |
| Memoranda: | ||
| Average total assets | $226,269,670 | 2,641 |
| Average earning assets | $218,994,000 | 2,569 |
| Average equity | $29,792,330 | 2,410 |
| Average total loans | $142,629,000 | 2,735 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 4,647 |
| Cost of funding earning assets | 0.4489% | 4,292 |
| Net interest margin | 3.3878% | 3,920 |
| Noninterest income to average assets | 0.2781% | 4,022 |
| Noninterest expense to average assets | 2.5241% | 3,430 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8591% | 3,410 |
| Return on assets (ROA) | 0.8591% | 3,455 |
| Pretax return on assets | 1.0291% | 3,351 |
| Return on Equity (ROE) | 6.6002% | 3,802 |
| Retained earnings to average equity (ytd only) | 3.9737% | 3,322 |
| Net charge-offs to loans | -0.0084% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0369% | 2,182 |
| Assets per employee ($millions) | 4.4871% | 3,211 |
| Cash dividends to net income (ytd only)* | 39.7938% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 3,347 |
| Loan loss allowance to noncurrent loans | 59.6857% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.1121% | 1,244 |
| Noncurrent loans to loans | 1.7789% | 872 |
| Net loans and leases to total assets | 61.8529% | 3,520 |
| Net loans and leases to deposits | 72.2085% | 3,589 |
| Net loans and leases to core deposits | 74.6181% | 3,757 |
| Total domestic deposits to total assets | 85.6587% | 2,418 |
| Equity capital to assets | 12.9936% | 1,460 |
| Core capital (leverage) ratio | 13.3142% | 1,144 |
| Tier 1 risk-based capital ratio | 25.1804% | 751 |
| Total risk-based capital ratio | 26.4309% | 730 |
| Memoranda: | ||
| Average total assets | $225,826,500 | 2,670 |
| Average earning assets | $218,311,500 | 2,597 |
| Average equity | $29,393,000 | 2,448 |
| Average total loans | $143,084,500 | 2,765 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 4,517 |
| Cost of funding earning assets | 0.3771% | 4,118 |
| Net interest margin | 3.4119% | 3,970 |
| Noninterest income to average assets | 0.3490% | 3,773 |
| Noninterest expense to average assets | 2.4442% | 3,759 |
| Loan and lease loss provision to assets | 0.0893% | 2,358 |
| Net operating income to assets | 0.9307% | 3,327 |
| Return on assets (ROA) | 0.9099% | 3,394 |
| Pretax return on assets | 1.0929% | 3,296 |
| Return on Equity (ROE) | 7.1456% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.4437% | 3,088 |
| Net charge-offs to loans | 0.0171% | 3,115 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 112.7083% | 679 |
| Efficiency ratio | 66.9396% | 2,724 |
| Assets per employee ($millions) | 4.4562% | 3,233 |
| Cash dividends to net income (ytd only)* | 37.8127% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,324 |
| Loan loss allowance to noncurrent loans | 44.2499% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 756 |
| Noncurrent loans to loans | 2.3941% | 526 |
| Net loans and leases to total assets | 63.5465% | 3,401 |
| Net loans and leases to deposits | 74.0109% | 3,497 |
| Net loans and leases to core deposits | 76.2066% | 3,699 |
| Total domestic deposits to total assets | 85.8610% | 2,298 |
| Equity capital to assets | 13.0385% | 1,326 |
| Core capital (leverage) ratio | 13.2353% | 1,166 |
| Tier 1 risk-based capital ratio | 24.6672% | 769 |
| Total risk-based capital ratio | 25.9171% | 753 |
| Memoranda: | ||
| Average total assets | $224,082,400 | 2,661 |
| Average earning assets | $216,891,000 | 2,585 |
| Average equity | $28,535,000 | 2,429 |
| Average total loans | $139,954,200 | 2,770 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,542 |
| Cost of funding earning assets | 0.3651% | 4,083 |
| Net interest margin | 3.3904% | 4,030 |
| Noninterest income to average assets | 0.2911% | 4,213 |
| Noninterest expense to average assets | 2.4658% | 3,688 |
| Loan and lease loss provision to assets | 0.0297% | 3,423 |
| Net operating income to assets | 0.8996% | 3,533 |
| Return on assets (ROA) | 0.8996% | 3,538 |
| Pretax return on assets | 1.0784% | 3,471 |
| Return on Equity (ROE) | 7.1063% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.3933% | 3,558 |
| Net charge-offs to loans | 0.0268% | 2,574 |
| Credit loss provision to net charge-offs | 178.5714% | 1,508 |
| Earnings coverage of net charge-offs (x) | 66.6113% | 988 |
| Efficiency ratio | 68.9942% | 2,357 |
| Assets per employee ($millions) | 4.5657% | 3,020 |
| Cash dividends to net income (ytd only)* | 38.1771% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,020 |
| Loan loss allowance to noncurrent loans | 39.3694% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 821 |
| Noncurrent loans to loans | 2.4337% | 545 |
| Net loans and leases to total assets | 62.8850% | 3,556 |
| Net loans and leases to deposits | 72.6723% | 3,711 |
| Net loans and leases to core deposits | 74.7929% | 3,892 |
| Total domestic deposits to total assets | 86.5323% | 1,959 |
| Equity capital to assets | 12.7275% | 1,449 |
| Core capital (leverage) ratio | 13.1172% | 1,233 |
| Tier 1 risk-based capital ratio | 24.6243% | 788 |
| Total risk-based capital ratio | 25.7786% | 775 |
| Memoranda: | ||
| Average total assets | $224,400,500 | 2,669 |
| Average earning assets | $217,272,500 | 2,596 |
| Average equity | $28,406,000 | 2,439 |
| Average total loans | $139,166,750 | 2,797 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7229% | 4,527 |
| Cost of funding earning assets | 0.3613% | 4,002 |
| Net interest margin | 3.3617% | 4,073 |
| Noninterest income to average assets | 0.3001% | 4,174 |
| Noninterest expense to average assets | 2.4850% | 3,668 |
| Loan and lease loss provision to assets | 0.0445% | 3,008 |
| Net operating income to assets | 0.8868% | 3,514 |
| Return on assets (ROA) | 0.8868% | 3,518 |
| Pretax return on assets | 1.0266% | 3,578 |
| Return on Equity (ROE) | 7.0182% | 3,897 |
| Retained earnings to average equity (ytd only) | 4.3053% | 3,449 |
| Net charge-offs to loans | 0.0246% | 2,369 |
| Credit loss provision to net charge-offs | 294.1176% | 1,015 |
| Earnings coverage of net charge-offs (x) | 70.7647% | 904 |
| Efficiency ratio | 69.8798% | 2,334 |
| Assets per employee ($millions) | 4.4761% | 3,157 |
| Cash dividends to net income (ytd only)* | 38.6546% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 3,920 |
| Loan loss allowance to noncurrent loans | 60.1840% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 1,476 |
| Noncurrent loans to loans | 1.6423% | 977 |
| Net loans and leases to total assets | 61.5010% | 3,658 |
| Net loans and leases to deposits | 70.9365% | 3,787 |
| Net loans and leases to core deposits | 72.3288% | 3,986 |
| Total domestic deposits to total assets | 86.6986% | 1,976 |
| Equity capital to assets | 12.6933% | 1,445 |
| Core capital (leverage) ratio | 12.8309% | 1,305 |
| Tier 1 risk-based capital ratio | 24.9850% | 734 |
| Total risk-based capital ratio | 26.1807% | 722 |
| Memoranda: | ||
| Average total assets | $224,627,000 | 2,683 |
| Average earning assets | $217,569,670 | 2,606 |
| Average equity | $28,383,330 | 2,448 |
| Average total loans | $138,206,330 | 2,815 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 4,522 |
| Cost of funding earning assets | 0.3578% | 3,925 |
| Net interest margin | 3.3177% | 4,142 |
| Noninterest income to average assets | 0.2773% | 4,313 |
| Noninterest expense to average assets | 2.4458% | 3,826 |
| Loan and lease loss provision to assets | 0.0889% | 2,027 |
| Net operating income to assets | 0.8123% | 3,658 |
| Return on assets (ROA) | 0.8123% | 3,667 |
| Pretax return on assets | 0.9563% | 3,683 |
| Return on Equity (ROE) | 6.4432% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.7221% | 3,706 |
| Net charge-offs to loans | 0.0406% | 1,722 |
| Credit loss provision to net charge-offs | 357.1429% | 728 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,041 |
| Efficiency ratio | 70.0611% | 2,477 |
| Assets per employee ($millions) | 4.6181% | 2,980 |
| Cash dividends to net income (ytd only)* | 42.2319% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,967 |
| Loan loss allowance to noncurrent loans | 60.0611% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 1,553 |
| Noncurrent loans to loans | 1.6634% | 1,033 |
| Net loans and leases to total assets | 60.2553% | 3,729 |
| Net loans and leases to deposits | 69.3286% | 3,844 |
| Net loans and leases to core deposits | 70.7819% | 4,042 |
| Total domestic deposits to total assets | 86.9126% | 2,164 |
| Equity capital to assets | 12.4678% | 1,498 |
| Core capital (leverage) ratio | 12.7860% | 1,257 |
| Tier 1 risk-based capital ratio | 24.7606% | 768 |
| Total risk-based capital ratio | 25.9617% | 757 |
| Memoranda: | ||
| Average total assets | $225,039,000 | 2,708 |
| Average earning assets | $217,983,500 | 2,629 |
| Average equity | $28,371,000 | 2,474 |
| Average total loans | $137,802,000 | 2,842 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 4,574 |
| Cost of funding earning assets | 0.4353% | 2,912 |
| Net interest margin | 3.1659% | 4,530 |
| Noninterest income to average assets | 0.2883% | 4,402 |
| Noninterest expense to average assets | 2.4528% | 3,930 |
| Loan and lease loss provision to assets | 0.0167% | 3,962 |
| Net operating income to assets | 0.6785% | 3,684 |
| Return on assets (ROA) | 0.7220% | 3,551 |
| Pretax return on assets | 0.9428% | 3,769 |
| Return on Equity (ROE) | 5.6433% | 3,895 |
| Retained earnings to average equity (ytd only) | 0.0861% | 4,970 |
| Net charge-offs to loans | 0.0468% | 2,848 |
| Credit loss provision to net charge-offs | 59.3750% | 3,224 |
| Earnings coverage of net charge-offs (x) | 32.0156% | 1,481 |
| Efficiency ratio | 73.0890% | 2,048 |
| Assets per employee ($millions) | 4.4758% | 3,224 |
| Cash dividends to net income (ytd only)* | 98.4737% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,099 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0479% | 1,460 |
| Noncurrent loans to loans | 1.7008% | 962 |
| Net loans and leases to total assets | 61.0114% | 3,731 |
| Net loans and leases to deposits | 71.6438% | 3,736 |
| Net loans and leases to core deposits | 73.3590% | 3,933 |
| Total domestic deposits to total assets | 85.1594% | 2,773 |
| Equity capital to assets | 12.7481% | 1,387 |
| Core capital (leverage) ratio | 12.5673% | 1,323 |
| Tier 1 risk-based capital ratio | 24.3875% | 781 |
| Total risk-based capital ratio | 25.5496% | 774 |
| Memoranda: | ||
| Average total assets | $226,881,800 | 2,663 |
| Average earning assets | $219,842,600 | 2,583 |
| Average equity | $29,025,400 | 2,424 |
| Average total loans | $136,787,800 | 2,828 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 4,623 |
| Cost of funding earning assets | 0.4551% | 2,668 |
| Net interest margin | 3.1192% | 4,656 |
| Noninterest income to average assets | 0.2349% | 4,806 |
| Noninterest expense to average assets | 2.4540% | 3,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6348% | 4,250 |
| Return on assets (ROA) | 0.6940% | 4,084 |
| Pretax return on assets | 0.8785% | 4,110 |
| Return on Equity (ROE) | 5.4202% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.4562% | 4,421 |
| Net charge-offs to loans | 0.0459% | 2,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 29.1892% | 1,581 |
| Efficiency ratio | 75.3326% | 1,687 |
| Assets per employee ($millions) | 4.5248% | 3,095 |
| Cash dividends to net income (ytd only)* | 54.6837% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 4,254 |
| Loan loss allowance to noncurrent loans | 60.1185% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 1,733 |
| Noncurrent loans to loans | 1.6076% | 1,141 |
| Net loans and leases to total assets | 59.7412% | 3,897 |
| Net loans and leases to deposits | 69.5771% | 3,995 |
| Net loans and leases to core deposits | 71.2098% | 4,173 |
| Total domestic deposits to total assets | 85.8633% | 2,366 |
| Equity capital to assets | 13.0834% | 1,342 |
| Core capital (leverage) ratio | 12.6694% | 1,342 |
| Tier 1 risk-based capital ratio | 24.8781% | 769 |
| Total risk-based capital ratio | 26.0241% | 761 |
| Memoranda: | ||
| Average total assets | $227,654,500 | 2,681 |
| Average earning assets | $220,604,250 | 2,599 |
| Average equity | $29,149,500 | 2,434 |
| Average total loans | $136,515,250 | 2,848 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 4,648 |
| Cost of funding earning assets | 0.4706% | 2,407 |
| Net interest margin | 3.0722% | 4,745 |
| Noninterest income to average assets | 0.3200% | 4,267 |
| Noninterest expense to average assets | 2.4390% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6759% | 3,955 |
| Return on assets (ROA) | 0.6759% | 4,019 |
| Pretax return on assets | 0.8574% | 4,081 |
| Return on Equity (ROE) | 5.3174% | 4,350 |
| Retained earnings to average equity (ytd only) | 2.1794% | 4,373 |
| Net charge-offs to loans | 0.0718% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.9592% | 1,813 |
| Efficiency ratio | 73.9894% | 2,018 |
| Assets per employee ($millions) | 4.6927% | 2,804 |
| Cash dividends to net income (ytd only)* | 59.0143% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,228 |
| Loan loss allowance to noncurrent loans | 54.8521% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 1.2616% | 1,324 |
| Noncurrent loans to loans | 1.7999% | 1,003 |
| Net loans and leases to total assets | 57.4388% | 4,085 |
| Net loans and leases to deposits | 68.2184% | 4,048 |
| Net loans and leases to core deposits | 69.8240% | 4,239 |
| Total domestic deposits to total assets | 84.1983% | 3,125 |
| Equity capital to assets | 12.8410% | 1,453 |
| Core capital (leverage) ratio | 12.3909% | 1,422 |
| Tier 1 risk-based capital ratio | 24.6934% | 788 |
| Total risk-based capital ratio | 25.8380% | 770 |
| Memoranda: | ||
| Average total assets | $228,125,670 | 2,695 |
| Average earning assets | $221,013,000 | 2,610 |
| Average equity | $28,999,330 | 2,437 |
| Average total loans | $136,527,670 | 2,849 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,716 |
| Cost of funding earning assets | 0.4667% | 2,372 |
| Net interest margin | 3.0255% | 4,840 |
| Noninterest income to average assets | 0.3010% | 4,409 |
| Noninterest expense to average assets | 2.4470% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6250% | 4,042 |
| Return on assets (ROA) | 0.6250% | 4,093 |
| Pretax return on assets | 0.7869% | 4,158 |
| Return on Equity (ROE) | 4.9416% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.2806% | 4,569 |
| Net charge-offs to loans | 0.0637% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 20.3182% | 1,486 |
| Efficiency ratio | 75.6668% | 1,960 |
| Assets per employee ($millions) | 4.6298% | 2,957 |
| Cash dividends to net income (ytd only)* | 74.0845% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,333 |
| Loan loss allowance to noncurrent loans | 45.3747% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2795% | 1,332 |
| Noncurrent loans to loans | 2.1887% | 777 |
| Net loans and leases to total assets | 57.8791% | 3,983 |
| Net loans and leases to deposits | 68.1486% | 3,977 |
| Net loans and leases to core deposits | 69.6424% | 4,173 |
| Total domestic deposits to total assets | 84.9307% | 3,115 |
| Equity capital to assets | 12.4700% | 1,564 |
| Core capital (leverage) ratio | 12.5858% | 1,295 |
| Tier 1 risk-based capital ratio | 24.4903% | 823 |
| Total risk-based capital ratio | 25.6579% | 806 |
| Memoranda: | ||
| Average total assets | $227,216,500 | 2,730 |
| Average earning assets | $220,264,500 | 2,638 |
| Average equity | $28,735,500 | 2,463 |
| Average total loans | $138,094,500 | 2,846 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,306 |
| Cost of funding earning assets | 0.4903% | 2,161 |
| Net interest margin | 3.1809% | 4,500 |
| Noninterest income to average assets | 0.3735% | 4,075 |
| Noninterest expense to average assets | 2.4303% | 4,210 |
| Loan and lease loss provision to assets | 0.0195% | 3,984 |
| Net operating income to assets | 0.7567% | 3,509 |
| Return on assets (ROA) | 0.7567% | 3,626 |
| Pretax return on assets | 1.0087% | 3,443 |
| Return on Equity (ROE) | 5.8155% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.6294% | 4,604 |
| Net charge-offs to loans | 0.0591% | 2,863 |
| Credit loss provision to net charge-offs | 53.6585% | 3,335 |
| Earnings coverage of net charge-offs (x) | 28.2683% | 1,479 |
| Efficiency ratio | 70.2706% | 2,856 |
| Assets per employee ($millions) | 4.4588% | 3,175 |
| Cash dividends to net income (ytd only)* | 71.9812% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 4,476 |
| Loan loss allowance to noncurrent loans | 45.0231% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3609% | 1,269 |
| Noncurrent loans to loans | 2.1539% | 798 |
| Net loans and leases to total assets | 62.5696% | 3,529 |
| Net loans and leases to deposits | 75.0488% | 3,406 |
| Net loans and leases to core deposits | 76.6632% | 3,689 |
| Total domestic deposits to total assets | 83.3719% | 3,639 |
| Equity capital to assets | 12.8302% | 1,332 |
| Core capital (leverage) ratio | 12.5979% | 1,302 |
| Tier 1 risk-based capital ratio | 23.4970% | 916 |
| Total risk-based capital ratio | 24.6394% | 915 |
| Memoranda: | ||
| Average total assets | $225,443,000 | 2,709 |
| Average earning assets | $218,649,000 | 2,614 |
| Average equity | $29,335,200 | 2,417 |
| Average total loans | $138,806,800 | 2,795 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 4,347 |
| Cost of funding earning assets | 0.4907% | 2,166 |
| Net interest margin | 3.1788% | 4,547 |
| Noninterest income to average assets | 0.3232% | 4,463 |
| Noninterest expense to average assets | 2.4547% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7189% | 3,745 |
| Return on assets (ROA) | 0.7189% | 3,886 |
| Pretax return on assets | 0.9519% | 3,805 |
| Return on Equity (ROE) | 5.5061% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.3054% | 4,992 |
| Net charge-offs to loans | 0.0684% | 2,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 22.7335% | 1,738 |
| Efficiency ratio | 72.0568% | 2,574 |
| Assets per employee ($millions) | 4.6240% | 2,884 |
| Cash dividends to net income (ytd only)* | 76.2922% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,598 |
| Loan loss allowance to noncurrent loans | 40.8645% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.4397% | 1,275 |
| Noncurrent loans to loans | 2.3594% | 773 |
| Net loans and leases to total assets | 60.4311% | 3,824 |
| Net loans and leases to deposits | 72.3863% | 3,766 |
| Net loans and leases to core deposits | 73.9353% | 4,011 |
| Total domestic deposits to total assets | 83.4842% | 3,402 |
| Equity capital to assets | 13.1686% | 1,404 |
| Core capital (leverage) ratio | 12.6038% | 1,359 |
| Tier 1 risk-based capital ratio | 23.5186% | 943 |
| Total risk-based capital ratio | 24.6417% | 942 |
| Memoranda: | ||
| Average total assets | $226,068,250 | 2,713 |
| Average earning assets | $219,277,750 | 2,614 |
| Average equity | $29,518,000 | 2,400 |
| Average total loans | $138,293,500 | 2,807 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,279 |
| Cost of funding earning assets | 0.4959% | 2,134 |
| Net interest margin | 3.2113% | 4,505 |
| Noninterest income to average assets | 0.3276% | 4,437 |
| Noninterest expense to average assets | 2.4542% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7402% | 3,604 |
| Return on assets (ROA) | 0.7402% | 3,763 |
| Pretax return on assets | 0.9863% | 3,634 |
| Return on Equity (ROE) | 5.6848% | 4,201 |
| Retained earnings to average equity (ytd only) | 0.9044% | 5,032 |
| Net charge-offs to loans | 0.0535% | 2,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 30.1081% | 1,385 |
| Efficiency ratio | 71.3330% | 2,772 |
| Assets per employee ($millions) | 4.5048% | 3,020 |
| Cash dividends to net income (ytd only)* | 84.0909% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,526 |
| Loan loss allowance to noncurrent loans | 39.9008% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.5210% | 1,251 |
| Noncurrent loans to loans | 2.5058% | 692 |
| Net loans and leases to total assets | 60.0946% | 3,873 |
| Net loans and leases to deposits | 72.0640% | 3,779 |
| Net loans and leases to core deposits | 73.7194% | 4,005 |
| Total domestic deposits to total assets | 83.3906% | 3,506 |
| Equity capital to assets | 13.2410% | 1,360 |
| Core capital (leverage) ratio | 12.5912% | 1,307 |
| Tier 1 risk-based capital ratio | 23.8129% | 921 |
| Total risk-based capital ratio | 24.9856% | 906 |
| Memoranda: | ||
| Average total assets | $225,898,670 | 2,728 |
| Average earning assets | $218,979,670 | 2,628 |
| Average equity | $29,411,670 | 2,405 |
| Average total loans | $138,306,000 | 2,817 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7223% | 4,240 |
| Cost of funding earning assets | 0.5034% | 2,081 |
| Net interest margin | 3.2189% | 4,516 |
| Noninterest income to average assets | 0.3342% | 4,340 |
| Noninterest expense to average assets | 2.4559% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7479% | 3,493 |
| Return on assets (ROA) | 0.7479% | 3,599 |
| Pretax return on assets | 0.9990% | 3,484 |
| Return on Equity (ROE) | 5.7934% | 4,082 |
| Retained earnings to average equity (ytd only) | -1.1779% | 5,301 |
| Net charge-offs to loans | 0.0949% | 1,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 17.1212% | 1,589 |
| Efficiency ratio | 71.0850% | 2,942 |
| Assets per employee ($millions) | 4.5955% | 2,906 |
| Cash dividends to net income (ytd only)* | 120.3310% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,663 |
| Loan loss allowance to noncurrent loans | 40.5621% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 1,358 |
| Noncurrent loans to loans | 2.4431% | 786 |
| Net loans and leases to total assets | 60.8307% | 3,672 |
| Net loans and leases to deposits | 73.5026% | 3,503 |
| Net loans and leases to core deposits | 75.2118% | 3,759 |
| Total domestic deposits to total assets | 82.7599% | 3,980 |
| Equity capital to assets | 13.0185% | 1,398 |
| Core capital (leverage) ratio | 12.3291% | 1,419 |
| Tier 1 risk-based capital ratio | 22.8153% | 1,033 |
| Total risk-based capital ratio | 23.9512% | 1,028 |
| Memoranda: | ||
| Average total assets | $226,228,000 | 2,723 |
| Average earning assets | $219,327,500 | 2,631 |
| Average equity | $29,205,500 | 2,425 |
| Average total loans | $139,097,000 | 2,804 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7887% | 4,078 |
| Cost of funding earning assets | 0.5650% | 1,631 |
| Net interest margin | 3.2236% | 4,546 |
| Noninterest income to average assets | 0.3966% | 4,057 |
| Noninterest expense to average assets | 2.4487% | 4,386 |
| Loan and lease loss provision to assets | 0.1313% | 1,820 |
| Net operating income to assets | 0.7011% | 3,804 |
| Return on assets (ROA) | 0.7585% | 3,631 |
| Pretax return on assets | 1.0118% | 3,416 |
| Return on Equity (ROE) | 5.9372% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.1986% | 3,784 |
| Net charge-offs to loans | 0.4107% | 694 |
| Credit loss provision to net charge-offs | 53.3454% | 3,357 |
| Earnings coverage of net charge-offs (x) | 4.3327% | 3,571 |
| Efficiency ratio | 69.6594% | 3,276 |
| Assets per employee ($millions) | 4.3707% | 3,268 |
| Cash dividends to net income (ytd only)* | 46.1268% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 4,584 |
| Loan loss allowance to noncurrent loans | 130.1205% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 3,725 |
| Noncurrent loans to loans | 0.7716% | 2,865 |
| Net loans and leases to total assets | 60.9129% | 3,707 |
| Net loans and leases to deposits | 73.8057% | 3,518 |
| Net loans and leases to core deposits | 75.4229% | 3,807 |
| Total domestic deposits to total assets | 82.5314% | 4,011 |
| Equity capital to assets | 12.8020% | 1,463 |
| Core capital (leverage) ratio | 12.2441% | 1,485 |
| Tier 1 risk-based capital ratio | 22.5541% | 1,078 |
| Total risk-based capital ratio | 23.7005% | 1,073 |
| Memoranda: | ||
| Average total assets | $224,649,600 | 2,706 |
| Average earning assets | $217,333,200 | 2,610 |
| Average equity | $28,700,200 | 2,409 |
| Average total loans | $134,648,000 | 2,808 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 4,047 |
| Cost of funding earning assets | 0.5756% | 1,578 |
| Net interest margin | 3.2367% | 4,560 |
| Noninterest income to average assets | 0.3464% | 4,457 |
| Noninterest expense to average assets | 2.4589% | 4,322 |
| Loan and lease loss provision to assets | 0.1488% | 1,467 |
| Net operating income to assets | 0.6555% | 4,100 |
| Return on assets (ROA) | 0.7333% | 3,856 |
| Pretax return on assets | 0.9708% | 3,738 |
| Return on Equity (ROE) | 5.7432% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.9928% | 4,318 |
| Net charge-offs to loans | 0.5549% | 414 |
| Credit loss provision to net charge-offs | 45.0450% | 3,099 |
| Earnings coverage of net charge-offs (x) | 3.0793% | 3,561 |
| Efficiency ratio | 70.7363% | 3,091 |
| Assets per employee ($millions) | 4.4485% | 3,098 |
| Cash dividends to net income (ytd only)* | 47.8897% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 4,833 |
| Loan loss allowance to noncurrent loans | 517.9389% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 5,287 |
| Noncurrent loans to loans | 0.1895% | 4,889 |
| Net loans and leases to total assets | 60.3528% | 3,832 |
| Net loans and leases to deposits | 73.0630% | 3,644 |
| Net loans and leases to core deposits | 74.9265% | 3,916 |
| Total domestic deposits to total assets | 82.6038% | 3,952 |
| Equity capital to assets | 12.6715% | 1,636 |
| Core capital (leverage) ratio | 12.2654% | 1,532 |
| Tier 1 risk-based capital ratio | 22.4592% | 1,133 |
| Total risk-based capital ratio | 23.5736% | 1,128 |
| Memoranda: | ||
| Average total assets | $223,992,750 | 2,737 |
| Average earning assets | $216,592,750 | 2,635 |
| Average equity | $28,601,250 | 2,429 |
| Average total loans | $133,348,750 | 2,846 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 4,009 |
| Cost of funding earning assets | 0.5829% | 1,542 |
| Net interest margin | 3.2317% | 4,557 |
| Noninterest income to average assets | 0.3515% | 4,445 |
| Noninterest expense to average assets | 2.4436% | 4,417 |
| Loan and lease loss provision to assets | 0.2242% | 845 |
| Net operating income to assets | 0.5999% | 4,345 |
| Return on assets (ROA) | 0.7102% | 3,966 |
| Pretax return on assets | 0.9532% | 3,760 |
| Return on Equity (ROE) | 5.5477% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.7949% | 4,265 |
| Net charge-offs to loans | 0.8231% | 254 |
| Credit loss provision to net charge-offs | 46.1255% | 2,744 |
| Earnings coverage of net charge-offs (x) | 2.1199% | 3,403 |
| Efficiency ratio | 70.3407% | 3,276 |
| Assets per employee ($millions) | 4.2913% | 3,318 |
| Cash dividends to net income (ytd only)* | 49.6212% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 4,713 |
| Loan loss allowance to noncurrent loans | 287.8151% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 5,015 |
| Noncurrent loans to loans | 0.3577% | 4,425 |
| Net loans and leases to total assets | 59.0220% | 3,975 |
| Net loans and leases to deposits | 69.9996% | 3,934 |
| Net loans and leases to core deposits | 71.6730% | 4,167 |
| Total domestic deposits to total assets | 84.3177% | 3,438 |
| Equity capital to assets | 12.6973% | 1,548 |
| Core capital (leverage) ratio | 12.2566% | 1,507 |
| Tier 1 risk-based capital ratio | 22.7713% | 1,110 |
| Total risk-based capital ratio | 23.9222% | 1,096 |
| Memoranda: | ||
| Average total assets | $223,033,330 | 2,766 |
| Average earning assets | $215,490,330 | 2,665 |
| Average equity | $28,552,330 | 2,449 |
| Average total loans | $131,705,000 | 2,879 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,822 |
| Cost of funding earning assets | 0.5838% | 1,553 |
| Net interest margin | 3.2666% | 4,360 |
| Noninterest income to average assets | 0.3462% | 4,428 |
| Noninterest expense to average assets | 2.4361% | 4,487 |
| Loan and lease loss provision to assets | 0.4485% | 246 |
| Net operating income to assets | 0.5149% | 4,597 |
| Return on assets (ROA) | 0.5149% | 4,722 |
| Pretax return on assets | 0.6135% | 4,881 |
| Return on Equity (ROE) | 4.0054% | 4,981 |
| Retained earnings to average equity (ytd only) | 1.2700% | 4,978 |
| Net charge-offs to loans | 1.4105% | 142 |
| Credit loss provision to net charge-offs | 54.1126% | 2,064 |
| Earnings coverage of net charge-offs (x) | 1.2814% | 2,943 |
| Efficiency ratio | 69.6410% | 3,553 |
| Assets per employee ($millions) | 4.4650% | 3,108 |
| Cash dividends to net income (ytd only)* | 68.2927% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 4,504 |
| Loan loss allowance to noncurrent loans | 182.3899% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 4,582 |
| Noncurrent loans to loans | 0.6044% | 3,761 |
| Net loans and leases to total assets | 58.2645% | 3,904 |
| Net loans and leases to deposits | 69.5042% | 3,799 |
| Net loans and leases to core deposits | 70.8022% | 4,081 |
| Total domestic deposits to total assets | 83.8288% | 3,880 |
| Equity capital to assets | 12.9017% | 1,448 |
| Core capital (leverage) ratio | 12.1895% | 1,515 |
| Tier 1 risk-based capital ratio | 22.5887% | 1,159 |
| Total risk-based capital ratio | 23.8109% | 1,148 |
| Memoranda: | ||
| Average total assets | $222,975,500 | 2,781 |
| Average earning assets | $215,147,000 | 2,683 |
| Average equity | $28,661,500 | 2,452 |
| Average total loans | $131,019,000 | 2,902 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 4,187 |
| Cost of funding earning assets | 0.6466% | 1,428 |
| Net interest margin | 3.2374% | 4,808 |
| Noninterest income to average assets | 0.4280% | 3,986 |
| Noninterest expense to average assets | 2.4582% | 4,679 |
| Loan and lease loss provision to assets | 0.0340% | 3,909 |
| Net operating income to assets | 0.7839% | 3,450 |
| Return on assets (ROA) | 0.8152% | 3,388 |
| Pretax return on assets | 1.1025% | 3,072 |
| Return on Equity (ROE) | 6.5139% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.6041% | 4,388 |
| Net charge-offs to loans | 0.0778% | 3,378 |
| Credit loss provision to net charge-offs | 75.7576% | 2,954 |
| Earnings coverage of net charge-offs (x) | 24.3535% | 1,543 |
| Efficiency ratio | 69.1964% | 3,672 |
| Assets per employee ($millions) | 4.4540% | 3,112 |
| Cash dividends to net income (ytd only)* | 60.0223% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,579 |
| Loan loss allowance to noncurrent loans | 176.4331% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,349 |
| Noncurrent loans to loans | 0.7218% | 3,520 |
| Net loans and leases to total assets | 57.8580% | 4,061 |
| Net loans and leases to deposits | 69.8830% | 3,927 |
| Net loans and leases to core deposits | 71.0232% | 4,218 |
| Total domestic deposits to total assets | 82.7927% | 4,150 |
| Equity capital to assets | 12.8064% | 1,461 |
| Core capital (leverage) ratio | 12.1944% | 1,500 |
| Tier 1 risk-based capital ratio | 22.3265% | 1,176 |
| Total risk-based capital ratio | 23.5779% | 1,157 |
| Memoranda: | ||
| Average total assets | $220,322,600 | 2,778 |
| Average earning assets | $212,639,200 | 2,683 |
| Average equity | $27,572,000 | 2,440 |
| Average total loans | $127,184,600 | 2,923 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8859% | 4,222 |
| Cost of funding earning assets | 0.6560% | 1,413 |
| Net interest margin | 3.2299% | 4,858 |
| Noninterest income to average assets | 0.3689% | 4,476 |
| Noninterest expense to average assets | 2.4527% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7663% | 3,584 |
| Return on assets (ROA) | 0.8076% | 3,490 |
| Pretax return on assets | 1.0910% | 3,224 |
| Return on Equity (ROE) | 6.4921% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.1852% | 4,965 |
| Net charge-offs to loans | 0.0812% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 22.1567% | 1,643 |
| Efficiency ratio | 70.3201% | 3,452 |
| Assets per employee ($millions) | 4.4157% | 3,113 |
| Cash dividends to net income (ytd only)* | 66.3410% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 3,814 |
| Loan loss allowance to noncurrent loans | 324.3952% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 5,321 |
| Noncurrent loans to loans | 0.3915% | 4,736 |
| Net loans and leases to total assets | 56.6560% | 4,246 |
| Net loans and leases to deposits | 67.3111% | 4,208 |
| Net loans and leases to core deposits | 68.5156% | 4,459 |
| Total domestic deposits to total assets | 84.1703% | 3,696 |
| Equity capital to assets | 12.7000% | 1,583 |
| Core capital (leverage) ratio | 12.0722% | 1,660 |
| Tier 1 risk-based capital ratio | 22.7654% | 1,152 |
| Total risk-based capital ratio | 24.0165% | 1,125 |
| Memoranda: | ||
| Average total assets | $219,727,750 | 2,805 |
| Average earning assets | $212,178,000 | 2,707 |
| Average equity | $27,335,000 | 2,463 |
| Average total loans | $126,352,500 | 2,950 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,287 |
| Cost of funding earning assets | 0.6658% | 1,404 |
| Net interest margin | 3.1980% | 4,953 |
| Noninterest income to average assets | 0.3720% | 4,460 |
| Noninterest expense to average assets | 2.4606% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7405% | 3,619 |
| Return on assets (ROA) | 0.8032% | 3,415 |
| Pretax return on assets | 1.0831% | 3,169 |
| Return on Equity (ROE) | 6.5018% | 3,881 |
| Retained earnings to average equity (ytd only) | 1.4317% | 5,168 |
| Net charge-offs to loans | 0.0253% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 68.4375% | 740 |
| Efficiency ratio | 71.1386% | 3,481 |
| Assets per employee ($millions) | 4.4190% | 3,056 |
| Cash dividends to net income (ytd only)* | 77.9796% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 3,757 |
| Loan loss allowance to noncurrent loans | 197.6331% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 4,872 |
| Noncurrent loans to loans | 0.6672% | 4,042 |
| Net loans and leases to total assets | 56.5669% | 4,184 |
| Net loans and leases to deposits | 67.2156% | 4,145 |
| Net loans and leases to core deposits | 68.1970% | 4,444 |
| Total domestic deposits to total assets | 84.1574% | 3,870 |
| Equity capital to assets | 12.5278% | 1,625 |
| Core capital (leverage) ratio | 11.9916% | 1,658 |
| Tier 1 risk-based capital ratio | 22.5999% | 1,170 |
| Total risk-based capital ratio | 23.8521% | 1,154 |
| Memoranda: | ||
| Average total assets | $219,374,670 | 2,818 |
| Average earning assets | $211,760,000 | 2,723 |
| Average equity | $27,100,000 | 2,473 |
| Average total loans | $126,237,330 | 2,941 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,284 |
| Cost of funding earning assets | 0.6726% | 1,426 |
| Net interest margin | 3.1791% | 4,989 |
| Noninterest income to average assets | 0.3440% | 4,624 |
| Noninterest expense to average assets | 2.4539% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7103% | 3,630 |
| Return on assets (ROA) | 0.8363% | 3,043 |
| Pretax return on assets | 1.1309% | 2,767 |
| Return on Equity (ROE) | 6.8184% | 3,584 |
| Retained earnings to average equity (ytd only) | -0.5073% | 5,646 |
| Net charge-offs to loans | 0.0317% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 731 |
| Efficiency ratio | 71.8650% | 3,514 |
| Assets per employee ($millions) | 4.6019% | 2,813 |
| Cash dividends to net income (ytd only)* | 107.4398% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 3,912 |
| Loan loss allowance to noncurrent loans | 267.7316% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 5,312 |
| Noncurrent loans to loans | 0.5001% | 4,663 |
| Net loans and leases to total assets | 55.9047% | 4,154 |
| Net loans and leases to deposits | 66.2134% | 4,069 |
| Net loans and leases to core deposits | 67.0347% | 4,393 |
| Total domestic deposits to total assets | 84.4312% | 4,111 |
| Equity capital to assets | 12.2147% | 1,737 |
| Core capital (leverage) ratio | 11.9775% | 1,663 |
| Tier 1 risk-based capital ratio | 22.5232% | 1,206 |
| Total risk-based capital ratio | 23.7658% | 1,189 |
| Memoranda: | ||
| Average total assets | $218,587,500 | 2,845 |
| Average earning assets | $211,127,000 | 2,738 |
| Average equity | $26,810,000 | 2,483 |
| Average total loans | $126,029,000 | 2,945 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,095 |
| Cost of funding earning assets | 0.7502% | 1,493 |
| Net interest margin | 3.2441% | 4,855 |
| Noninterest income to average assets | 0.4310% | 4,223 |
| Noninterest expense to average assets | 2.4535% | 4,917 |
| Loan and lease loss provision to assets | 0.0231% | 4,664 |
| Net operating income to assets | 0.7959% | 3,309 |
| Return on assets (ROA) | 0.7959% | 3,410 |
| Pretax return on assets | 1.0822% | 3,017 |
| Return on Equity (ROE) | 6.3356% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.4960% | 4,482 |
| Net charge-offs to loans | 0.0218% | 5,001 |
| Credit loss provision to net charge-offs | 185.1852% | 1,234 |
| Earnings coverage of net charge-offs (x) | 88.5185% | 508 |
| Efficiency ratio | 68.9409% | 4,031 |
| Assets per employee ($millions) | 4.4140% | 3,061 |
| Cash dividends to net income (ytd only)* | 60.6043% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 3,988 |
| Loan loss allowance to noncurrent loans | 156.2558% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 4,739 |
| Noncurrent loans to loans | 0.8503% | 3,849 |
| Net loans and leases to total assets | 57.8903% | 4,052 |
| Net loans and leases to deposits | 68.2035% | 4,020 |
| Net loans and leases to core deposits | 69.2917% | 4,367 |
| Total domestic deposits to total assets | 84.8787% | 3,810 |
| Equity capital to assets | 12.3166% | 1,616 |
| Core capital (leverage) ratio | 12.0180% | 1,595 |
| Tier 1 risk-based capital ratio | 22.6279% | 1,156 |
| Total risk-based capital ratio | 23.8799% | 1,134 |
| Memoranda: | ||
| Average total assets | $216,222,000 | 2,845 |
| Average earning assets | $208,469,600 | 2,739 |
| Average equity | $27,163,800 | 2,446 |
| Average total loans | $124,104,000 | 2,957 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 4,147 |
| Cost of funding earning assets | 0.7621% | 1,529 |
| Net interest margin | 3.2326% | 4,886 |
| Noninterest income to average assets | 0.3996% | 4,544 |
| Noninterest expense to average assets | 2.4439% | 4,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7900% | 3,398 |
| Return on assets (ROA) | 0.7900% | 3,528 |
| Pretax return on assets | 1.0712% | 3,218 |
| Return on Equity (ROE) | 6.2574% | 4,043 |
| Retained earnings to average equity (ytd only) | 2.1298% | 5,039 |
| Net charge-offs to loans | 0.0238% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 78.9615% | 604 |
| Efficiency ratio | 69.5263% | 3,830 |
| Assets per employee ($millions) | 4.6185% | 2,689 |
| Cash dividends to net income (ytd only)* | 65.9641% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 4,404 |
| Loan loss allowance to noncurrent loans | 504.9231% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 5,992 |
| Noncurrent loans to loans | 0.2570% | 5,585 |
| Net loans and leases to total assets | 57.4940% | 4,089 |
| Net loans and leases to deposits | 68.1745% | 4,042 |
| Net loans and leases to core deposits | 69.2681% | 4,398 |
| Total domestic deposits to total assets | 84.3335% | 4,055 |
| Equity capital to assets | 12.1543% | 1,820 |
| Core capital (leverage) ratio | 12.0260% | 1,656 |
| Tier 1 risk-based capital ratio | 22.2454% | 1,273 |
| Total risk-based capital ratio | 23.5014% | 1,247 |
| Memoranda: | ||
| Average total assets | $216,206,250 | 2,872 |
| Average earning assets | $208,370,500 | 2,759 |
| Average equity | $27,295,000 | 2,457 |
| Average total loans | $123,406,500 | 2,989 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 4,185 |
| Cost of funding earning assets | 0.7757% | 1,549 |
| Net interest margin | 3.2048% | 4,930 |
| Noninterest income to average assets | 0.4085% | 4,461 |
| Noninterest expense to average assets | 2.4380% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7799% | 3,406 |
| Return on assets (ROA) | 0.7799% | 3,569 |
| Pretax return on assets | 1.0587% | 3,265 |
| Return on Equity (ROE) | 6.1017% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.1885% | 4,285 |
| Net charge-offs to loans | 0.0163% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 114.3000% | 420 |
| Efficiency ratio | 69.7219% | 3,878 |
| Assets per employee ($millions) | 4.4375% | 2,917 |
| Cash dividends to net income (ytd only)* | 47.7435% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,415 |
| Loan loss allowance to noncurrent loans | 4,132.5000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 6,405 |
| Noncurrent loans to loans | 0.0319% | 6,311 |
| Net loans and leases to total assets | 56.9353% | 4,147 |
| Net loans and leases to deposits | 67.6878% | 4,057 |
| Net loans and leases to core deposits | 68.9630% | 4,396 |
| Total domestic deposits to total assets | 84.1146% | 4,269 |
| Equity capital to assets | 12.4909% | 1,577 |
| Core capital (leverage) ratio | 11.9962% | 1,614 |
| Tier 1 risk-based capital ratio | 22.4317% | 1,214 |
| Total risk-based capital ratio | 23.6842% | 1,196 |
| Memoranda: | ||
| Average total assets | $215,919,000 | 2,889 |
| Average earning assets | $208,062,000 | 2,769 |
| Average equity | $27,599,000 | 2,446 |
| Average total loans | $122,394,670 | 3,016 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 4,121 |
| Cost of funding earning assets | 0.7877% | 1,599 |
| Net interest margin | 3.2108% | 4,894 |
| Noninterest income to average assets | 0.3830% | 4,596 |
| Noninterest expense to average assets | 2.4242% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7734% | 3,316 |
| Return on assets (ROA) | 0.7734% | 3,454 |
| Pretax return on assets | 1.0504% | 3,144 |
| Return on Equity (ROE) | 5.9816% | 4,058 |
| Retained earnings to average equity (ytd only) | 3.1058% | 4,415 |
| Net charge-offs to loans | 0.0397% | 3,475 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 47.0833% | 700 |
| Efficiency ratio | 69.7699% | 4,012 |
| Assets per employee ($millions) | 4.5116% | 2,949 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,416 |
| Loan loss allowance to noncurrent loans | 977.6471% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 6,303 |
| Noncurrent loans to loans | 0.1393% | 6,050 |
| Net loans and leases to total assets | 55.6050% | 4,151 |
| Net loans and leases to deposits | 66.1777% | 4,029 |
| Net loans and leases to core deposits | 67.5078% | 4,359 |
| Total domestic deposits to total assets | 84.0237% | 4,472 |
| Equity capital to assets | 12.8367% | 1,506 |
| Core capital (leverage) ratio | 12.1635% | 1,479 |
| Tier 1 risk-based capital ratio | 22.6313% | 1,214 |
| Total risk-based capital ratio | 23.8844% | 1,196 |
| Memoranda: | ||
| Average total assets | $215,159,500 | 2,930 |
| Average earning assets | $207,176,500 | 2,821 |
| Average equity | $27,818,500 | 2,463 |
| Average total loans | $120,866,000 | 3,070 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 4,117 |
| Cost of funding earning assets | 0.9217% | 1,807 |
| Net interest margin | 3.4009% | 4,878 |
| Noninterest income to average assets | 0.4392% | 4,328 |
| Noninterest expense to average assets | 2.5094% | 5,061 |
| Loan and lease loss provision to assets | 0.0358% | 5,442 |
| Net operating income to assets | 0.8387% | 3,100 |
| Return on assets (ROA) | 0.8387% | 3,354 |
| Pretax return on assets | 1.1579% | 2,960 |
| Return on Equity (ROE) | 6.4105% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.7038% | 3,610 |
| Net charge-offs to loans | 0.0731% | 4,952 |
| Credit loss provision to net charge-offs | 90.3614% | 3,465 |
| Earnings coverage of net charge-offs (x) | 30.0964% | 1,009 |
| Efficiency ratio | 67.7636% | 4,194 |
| Assets per employee ($millions) | 4.3625% | 3,226 |
| Cash dividends to net income (ytd only)* | 42.2222% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,178 |
| Loan loss allowance to noncurrent loans | 291.6376% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 5,823 |
| Noncurrent loans to loans | 0.4797% | 5,321 |
| Net loans and leases to total assets | 55.1920% | 4,423 |
| Net loans and leases to deposits | 66.0399% | 4,277 |
| Net loans and leases to core deposits | 67.7662% | 4,564 |
| Total domestic deposits to total assets | 83.5737% | 4,510 |
| Equity capital to assets | 13.0230% | 1,444 |
| Core capital (leverage) ratio | 12.1218% | 1,494 |
| Tier 1 risk-based capital ratio | 22.8044% | 1,141 |
| Total risk-based capital ratio | 24.0652% | 1,125 |
| Memoranda: | ||
| Average total assets | $209,251,200 | 2,934 |
| Average earning assets | $200,829,600 | 2,837 |
| Average equity | $27,377,000 | 2,459 |
| Average total loans | $113,501,800 | 3,215 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 4,173 |
| Cost of funding earning assets | 0.9417% | 1,902 |
| Net interest margin | 3.4268% | 4,938 |
| Noninterest income to average assets | 0.4267% | 4,427 |
| Noninterest expense to average assets | 2.5157% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8629% | 3,167 |
| Return on assets (ROA) | 0.8629% | 3,408 |
| Pretax return on assets | 1.1980% | 2,995 |
| Return on Equity (ROE) | 6.5878% | 4,022 |
| Retained earnings to average equity (ytd only) | 3.9419% | 4,110 |
| Net charge-offs to loans | 0.0834% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 26.7146% | 1,206 |
| Efficiency ratio | 67.7419% | 4,114 |
| Assets per employee ($millions) | 4.3570% | 3,155 |
| Cash dividends to net income (ytd only)* | 40.1635% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 4,461 |
| Loan loss allowance to noncurrent loans | 398.0247% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 6,158 |
| Noncurrent loans to loans | 0.3467% | 5,785 |
| Net loans and leases to total assets | 53.9643% | 4,752 |
| Net loans and leases to deposits | 64.8831% | 4,609 |
| Net loans and leases to core deposits | 66.4883% | 4,901 |
| Total domestic deposits to total assets | 83.1715% | 4,569 |
| Equity capital to assets | 13.0247% | 1,584 |
| Core capital (leverage) ratio | 12.2758% | 1,507 |
| Tier 1 risk-based capital ratio | 22.7226% | 1,215 |
| Total risk-based capital ratio | 23.9756% | 1,197 |
| Memoranda: | ||
| Average total assets | $208,123,750 | 2,980 |
| Average earning assets | $199,637,000 | 2,868 |
| Average equity | $27,261,750 | 2,485 |
| Average total loans | $111,964,000 | 3,279 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 4,136 |
| Cost of funding earning assets | 0.9585% | 2,006 |
| Net interest margin | 3.4537% | 4,865 |
| Noninterest income to average assets | 0.4439% | 4,342 |
| Noninterest expense to average assets | 2.5386% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8743% | 3,023 |
| Return on assets (ROA) | 0.8743% | 3,283 |
| Pretax return on assets | 1.2165% | 2,852 |
| Return on Equity (ROE) | 6.6617% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.9956% | 3,953 |
| Net charge-offs to loans | 0.1160% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 19.6094% | 1,429 |
| Efficiency ratio | 67.6045% | 4,212 |
| Assets per employee ($millions) | 4.4508% | 3,001 |
| Cash dividends to net income (ytd only)* | 40.0222% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,405 |
| Loan loss allowance to noncurrent loans | 352.5054% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 6,138 |
| Noncurrent loans to loans | 0.4014% | 5,732 |
| Net loans and leases to total assets | 53.8841% | 4,818 |
| Net loans and leases to deposits | 64.8894% | 4,651 |
| Net loans and leases to core deposits | 65.9524% | 5,011 |
| Total domestic deposits to total assets | 83.0400% | 4,741 |
| Equity capital to assets | 13.1056% | 1,467 |
| Core capital (leverage) ratio | 12.1860% | 1,504 |
| Tier 1 risk-based capital ratio | 22.6782% | 1,179 |
| Total risk-based capital ratio | 23.9322% | 1,163 |
| Memoranda: | ||
| Average total assets | $206,333,330 | 3,017 |
| Average earning assets | $197,818,670 | 2,902 |
| Average equity | $27,080,000 | 2,476 |
| Average total loans | $110,344,330 | 3,326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 4,125 |
| Cost of funding earning assets | 0.9862% | 2,062 |
| Net interest margin | 3.4619% | 4,868 |
| Noninterest income to average assets | 0.4217% | 4,505 |
| Noninterest expense to average assets | 2.5358% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8648% | 3,079 |
| Return on assets (ROA) | 0.8648% | 3,311 |
| Pretax return on assets | 1.2025% | 2,904 |
| Return on Equity (ROE) | 6.5843% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.9090% | 4,242 |
| Net charge-offs to loans | 0.1587% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 14.3256% | 1,479 |
| Efficiency ratio | 67.8329% | 4,204 |
| Assets per employee ($millions) | 4.3203% | 3,354 |
| Cash dividends to net income (ytd only)* | 40.6321% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 4,198 |
| Loan loss allowance to noncurrent loans | 335.8607% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 6,025 |
| Noncurrent loans to loans | 0.4441% | 5,786 |
| Net loans and leases to total assets | 52.1994% | 4,991 |
| Net loans and leases to deposits | 62.5659% | 4,833 |
| Net loans and leases to core deposits | 63.3554% | 5,190 |
| Total domestic deposits to total assets | 83.4311% | 4,739 |
| Equity capital to assets | 12.9417% | 1,462 |
| Core capital (leverage) ratio | 12.2944% | 1,438 |
| Tier 1 risk-based capital ratio | 23.1494% | 1,113 |
| Total risk-based capital ratio | 24.4053% | 1,092 |
| Memoranda: | ||
| Average total assets | $204,907,000 | 3,054 |
| Average earning assets | $196,311,000 | 2,940 |
| Average equity | $26,912,500 | 2,481 |
| Average total loans | $108,348,500 | 3,400 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 4,625 |
| Cost of funding earning assets | 1.1300% | 2,470 |
| Net interest margin | 3.4830% | 5,211 |
| Noninterest income to average assets | 0.5355% | 3,617 |
| Noninterest expense to average assets | 2.6308% | 4,985 |
| Loan and lease loss provision to assets | 0.0228% | 6,293 |
| Net operating income to assets | 0.8776% | 2,707 |
| Return on assets (ROA) | 0.8776% | 2,838 |
| Pretax return on assets | 1.2142% | 2,403 |
| Return on Equity (ROE) | 6.4899% | 3,650 |
| Retained earnings to average equity (ytd only) | -1.3249% | 6,059 |
| Net charge-offs to loans | 0.1939% | 4,591 |
| Credit loss provision to net charge-offs | 21.6346% | 5,895 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,687 |
| Efficiency ratio | 68.0188% | 4,351 |
| Assets per employee ($millions) | 4.3072% | 3,234 |
| Cash dividends to net income (ytd only)* | 120.4152% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 3,683 |
| Loan loss allowance to noncurrent loans | 413.2678% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 5,977 |
| Noncurrent loans to loans | 0.3811% | 5,951 |
| Net loans and leases to total assets | 51.9305% | 5,321 |
| Net loans and leases to deposits | 62.7526% | 5,148 |
| Net loans and leases to core deposits | 63.6678% | 5,499 |
| Total domestic deposits to total assets | 82.7542% | 4,862 |
| Equity capital to assets | 13.3310% | 1,346 |
| Core capital (leverage) ratio | 12.3068% | 1,435 |
| Tier 1 risk-based capital ratio | 23.5515% | 1,020 |
| Total risk-based capital ratio | 24.8082% | 1,003 |
| Memoranda: | ||
| Average total assets | $197,583,600 | 3,080 |
| Average earning assets | $189,029,800 | 2,979 |
| Average equity | $26,718,600 | 2,419 |
| Average total loans | $107,273,200 | 3,443 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 4,741 |
| Cost of funding earning assets | 1.1549% | 2,603 |
| Net interest margin | 3.4762% | 5,289 |
| Noninterest income to average assets | 0.5276% | 3,673 |
| Noninterest expense to average assets | 2.6181% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8901% | 2,778 |
| Return on assets (ROA) | 0.8901% | 2,932 |
| Pretax return on assets | 1.2344% | 2,507 |
| Return on Equity (ROE) | 6.5586% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.1467% | 4,456 |
| Net charge-offs to loans | 0.1266% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.8231% | 1,329 |
| Efficiency ratio | 67.9591% | 4,328 |
| Assets per employee ($millions) | 4.1661% | 3,506 |
| Cash dividends to net income (ytd only)* | 52.0212% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 3,588 |
| Loan loss allowance to noncurrent loans | 147.8372% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 5,572 |
| Noncurrent loans to loans | 1.0918% | 4,729 |
| Net loans and leases to total assets | 53.1277% | 5,298 |
| Net loans and leases to deposits | 64.8715% | 5,064 |
| Net loans and leases to core deposits | 65.6163% | 5,455 |
| Total domestic deposits to total assets | 81.8969% | 5,134 |
| Equity capital to assets | 13.9570% | 1,170 |
| Core capital (leverage) ratio | 12.9922% | 1,234 |
| Tier 1 risk-based capital ratio | 24.3048% | 981 |
| Total risk-based capital ratio | 25.5597% | 963 |
| Memoranda: | ||
| Average total assets | $196,370,000 | 3,114 |
| Average earning assets | $187,825,000 | 2,999 |
| Average equity | $26,651,500 | 2,431 |
| Average total loans | $107,389,250 | 3,477 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 4,773 |
| Cost of funding earning assets | 1.1773% | 2,724 |
| Net interest margin | 3.4686% | 5,296 |
| Noninterest income to average assets | 0.5277% | 3,643 |
| Noninterest expense to average assets | 2.6449% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8690% | 2,775 |
| Return on assets (ROA) | 0.8690% | 2,868 |
| Pretax return on assets | 1.1979% | 2,491 |
| Return on Equity (ROE) | 6.4654% | 3,727 |
| Retained earnings to average equity (ytd only) | 2.6456% | 4,608 |
| Net charge-offs to loans | 0.1119% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 19.4833% | 1,216 |
| Efficiency ratio | 68.8267% | 4,362 |
| Assets per employee ($millions) | 4.1559% | 3,438 |
| Cash dividends to net income (ytd only)* | 59.0802% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 3,492 |
| Loan loss allowance to noncurrent loans | 163.1627% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5845% | 5,750 |
| Noncurrent loans to loans | 1.0113% | 4,974 |
| Net loans and leases to total assets | 53.3331% | 5,381 |
| Net loans and leases to deposits | 64.4275% | 5,223 |
| Net loans and leases to core deposits | 65.1606% | 5,594 |
| Total domestic deposits to total assets | 82.7801% | 4,861 |
| Equity capital to assets | 13.4908% | 1,302 |
| Core capital (leverage) ratio | 12.7654% | 1,262 |
| Tier 1 risk-based capital ratio | 24.2929% | 974 |
| Total risk-based capital ratio | 25.5488% | 951 |
| Memoranda: | ||
| Average total assets | $195,169,670 | 3,149 |
| Average earning assets | $186,533,000 | 3,041 |
| Average equity | $26,232,000 | 2,444 |
| Average total loans | $107,191,330 | 3,523 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 4,749 |
| Cost of funding earning assets | 1.1951% | 2,847 |
| Net interest margin | 3.4530% | 5,210 |
| Noninterest income to average assets | 0.4787% | 4,058 |
| Noninterest expense to average assets | 2.6278% | 5,120 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8393% | 2,831 |
| Return on assets (ROA) | 0.8393% | 2,891 |
| Pretax return on assets | 1.1502% | 2,562 |
| Return on Equity (ROE) | 6.2568% | 3,749 |
| Retained earnings to average equity (ytd only) | 1.2977% | 5,308 |
| Net charge-offs to loans | 0.0412% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 50.4545% | 571 |
| Efficiency ratio | 69.5557% | 4,364 |
| Assets per employee ($millions) | 4.3947% | 3,049 |
| Cash dividends to net income (ytd only)* | 79.2593% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 3,336 |
| Loan loss allowance to noncurrent loans | 260.1418% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 6,220 |
| Noncurrent loans to loans | 0.6538% | 5,722 |
| Net loans and leases to total assets | 53.5965% | 5,366 |
| Net loans and leases to deposits | 64.3966% | 5,203 |
| Net loans and leases to core deposits | 65.0352% | 5,620 |
| Total domestic deposits to total assets | 83.2287% | 4,837 |
| Equity capital to assets | 13.2200% | 1,294 |
| Core capital (leverage) ratio | 13.0093% | 1,117 |
| Tier 1 risk-based capital ratio | 24.5350% | 924 |
| Total risk-based capital ratio | 25.7941% | 905 |
| Memoranda: | ||
| Average total assets | $193,012,500 | 3,204 |
| Average earning assets | $184,419,000 | 3,085 |
| Average equity | $25,892,000 | 2,461 |
| Average total loans | $106,699,000 | 3,566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 4,755 |
| Cost of funding earning assets | 1.2857% | 3,978 |
| Net interest margin | 3.6716% | 4,484 |
| Noninterest income to average assets | 0.5949% | 3,508 |
| Noninterest expense to average assets | 2.8757% | 4,327 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8535% | 2,573 |
| Return on assets (ROA) | 0.8535% | 2,712 |
| Pretax return on assets | 1.2190% | 2,163 |
| Return on Equity (ROE) | 6.1373% | 3,555 |
| Retained earnings to average equity (ytd only) | 2.9712% | 3,777 |
| Net charge-offs to loans | 0.1357% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 16.0571% | 1,240 |
| Efficiency ratio | 70.2291% | 4,134 |
| Assets per employee ($millions) | 4.0056% | 3,778 |
| Cash dividends to net income (ytd only)* | 51.5883% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 3,041 |
| Loan loss allowance to noncurrent loans | 197.7492% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 5,965 |
| Noncurrent loans to loans | 0.8838% | 5,294 |
| Net loans and leases to total assets | 55.0960% | 5,474 |
| Net loans and leases to deposits | 66.4795% | 5,338 |
| Net loans and leases to core deposits | 67.0649% | 5,764 |
| Total domestic deposits to total assets | 82.8767% | 4,849 |
| Equity capital to assets | 13.6192% | 1,151 |
| Core capital (leverage) ratio | 13.3117% | 1,025 |
| Tier 1 risk-based capital ratio | 24.9747% | 850 |
| Total risk-based capital ratio | 26.2324% | 829 |
| Memoranda: | ||
| Average total assets | $184,407,600 | 3,303 |
| Average earning assets | $175,781,600 | 3,173 |
| Average equity | $25,646,600 | 2,485 |
| Average total loans | $103,196,400 | 3,702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 4,847 |
| Cost of funding earning assets | 1.3000% | 4,217 |
| Net interest margin | 3.6942% | 4,431 |
| Noninterest income to average assets | 0.5931% | 3,484 |
| Noninterest expense to average assets | 2.9036% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8337% | 2,866 |
| Return on assets (ROA) | 0.8337% | 2,997 |
| Pretax return on assets | 1.2087% | 2,455 |
| Return on Equity (ROE) | 5.9626% | 3,833 |
| Retained earnings to average equity (ytd only) | 2.6824% | 4,547 |
| Net charge-offs to loans | 0.1351% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 15.9908% | 1,410 |
| Efficiency ratio | 70.6080% | 3,958 |
| Assets per employee ($millions) | 3.9842% | 3,873 |
| Cash dividends to net income (ytd only)* | 55.0128% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 2,811 |
| Loan loss allowance to noncurrent loans | 287.6147% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 6,345 |
| Noncurrent loans to loans | 0.6237% | 5,959 |
| Net loans and leases to total assets | 54.9884% | 5,704 |
| Net loans and leases to deposits | 67.4035% | 5,501 |
| Net loans and leases to core deposits | 68.0198% | 5,936 |
| Total domestic deposits to total assets | 81.5808% | 5,167 |
| Equity capital to assets | 13.9638% | 1,173 |
| Core capital (leverage) ratio | 13.4937% | 1,061 |
| Tier 1 risk-based capital ratio | 24.9049% | 866 |
| Total risk-based capital ratio | 26.1655% | 850 |
| Memoranda: | ||
| Average total assets | $183,443,500 | 3,370 |
| Average earning assets | $174,758,250 | 3,236 |
| Average equity | $25,648,250 | 2,525 |
| Average total loans | $102,602,750 | 3,780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 4,854 |
| Cost of funding earning assets | 1.3249% | 4,380 |
| Net interest margin | 3.6944% | 4,388 |
| Noninterest income to average assets | 0.6203% | 3,194 |
| Noninterest expense to average assets | 2.9741% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8069% | 2,936 |
| Return on assets (ROA) | 0.8069% | 3,084 |
| Pretax return on assets | 1.1637% | 2,540 |
| Return on Equity (ROE) | 5.7689% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.2448% | 4,727 |
| Net charge-offs to loans | 0.1610% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 12.9268% | 1,629 |
| Efficiency ratio | 71.8758% | 3,838 |
| Assets per employee ($millions) | 4.0127% | 3,752 |
| Cash dividends to net income (ytd only)* | 61.0884% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 2,508 |
| Loan loss allowance to noncurrent loans | 450.9479% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 6,550 |
| Noncurrent loans to loans | 0.4146% | 6,414 |
| Net loans and leases to total assets | 54.1082% | 5,978 |
| Net loans and leases to deposits | 65.9356% | 5,812 |
| Net loans and leases to core deposits | 66.5458% | 6,200 |
| Total domestic deposits to total assets | 82.0622% | 4,958 |
| Equity capital to assets | 14.0106% | 1,153 |
| Core capital (leverage) ratio | 13.2127% | 1,137 |
| Tier 1 risk-based capital ratio | 25.1919% | 829 |
| Total risk-based capital ratio | 26.4510% | 810 |
| Memoranda: | ||
| Average total assets | $182,172,670 | 3,412 |
| Average earning assets | $173,450,000 | 3,283 |
| Average equity | $25,481,670 | 2,542 |
| Average total loans | $101,853,670 | 3,834 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1043% | 4,505 |
| Cost of funding earning assets | 1.3406% | 4,557 |
| Net interest margin | 3.7638% | 3,941 |
| Noninterest income to average assets | 0.5946% | 3,313 |
| Noninterest expense to average assets | 2.9375% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8576% | 2,720 |
| Return on assets (ROA) | 0.8576% | 2,809 |
| Pretax return on assets | 1.2378% | 2,244 |
| Return on Equity (ROE) | 6.1363% | 3,809 |
| Retained earnings to average equity (ytd only) | 1.8978% | 4,984 |
| Net charge-offs to loans | -0.0039% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3547% | 4,233 |
| Assets per employee ($millions) | 3.9791% | 3,920 |
| Cash dividends to net income (ytd only)* | 69.0722% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9392% | 2,337 |
| Loan loss allowance to noncurrent loans | 585.8407% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 6,815 |
| Noncurrent loans to loans | 0.3310% | 6,634 |
| Net loans and leases to total assets | 53.7002% | 6,067 |
| Net loans and leases to deposits | 65.0221% | 5,940 |
| Net loans and leases to core deposits | 65.7454% | 6,308 |
| Total domestic deposits to total assets | 82.5876% | 4,808 |
| Equity capital to assets | 13.6400% | 1,273 |
| Core capital (leverage) ratio | 13.4797% | 1,088 |
| Tier 1 risk-based capital ratio | 24.9382% | 874 |
| Total risk-based capital ratio | 26.2009% | 851 |
| Memoranda: | ||
| Average total assets | $180,968,000 | 3,482 |
| Average earning assets | $172,167,000 | 3,366 |
| Average equity | $25,292,000 | 2,579 |
| Average total loans | $101,892,000 | 3,892 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4808% | 4,250 |
| Cost of funding earning assets | 1.5906% | 5,070 |
| Net interest margin | 3.8902% | 3,309 |
| Noninterest income to average assets | 0.5632% | 3,916 |
| Noninterest expense to average assets | 2.8702% | 4,657 |
| Loan and lease loss provision to assets | 0.2270% | 5,553 |
| Net operating income to assets | 0.7554% | 2,693 |
| Return on assets (ROA) | 0.8652% | 2,364 |
| Pretax return on assets | 1.3096% | 1,671 |
| Return on Equity (ROE) | 6.3036% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.1314% | 2,966 |
| Net charge-offs to loans | 0.3033% | 4,735 |
| Credit loss provision to net charge-offs | 129.3930% | 3,969 |
| Earnings coverage of net charge-offs (x) | 7.8115% | 2,061 |
| Efficiency ratio | 67.6886% | 5,063 |
| Assets per employee ($millions) | 3.7217% | 4,471 |
| Cash dividends to net income (ytd only)* | 50.3238% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 2,116 |
| Loan loss allowance to noncurrent loans | 484.1463% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 6,370 |
| Noncurrent loans to loans | 0.4045% | 6,473 |
| Net loans and leases to total assets | 56.8174% | 5,851 |
| Net loans and leases to deposits | 69.8375% | 5,627 |
| Net loans and leases to core deposits | 85.6044% | 5,557 |
| Total domestic deposits to total assets | 81.3566% | 5,211 |
| Equity capital to assets | 14.3351% | 1,066 |
| Core capital (leverage) ratio | 13.4224% | 1,118 |
| Tier 1 risk-based capital ratio | 24.7660% | 870 |
| Total risk-based capital ratio | 26.0273% | 842 |
| Memoranda: | ||
| Average total assets | $178,452,200 | 3,466 |
| Average earning assets | $168,680,200 | 3,373 |
| Average equity | $24,493,800 | 2,663 |
| Average total loans | $103,192,400 | 3,866 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 4,513 |
| Cost of funding earning assets | 1.6363% | 5,226 |
| Net interest margin | 3.8447% | 3,459 |
| Noninterest income to average assets | 0.5167% | 4,346 |
| Noninterest expense to average assets | 2.8222% | 4,806 |
| Loan and lease loss provision to assets | 0.0520% | 6,857 |
| Net operating income to assets | 0.8342% | 2,682 |
| Return on assets (ROA) | 0.9093% | 2,460 |
| Pretax return on assets | 1.3881% | 1,730 |
| Return on Equity (ROE) | 6.6970% | 3,219 |
| Retained earnings to average equity (ytd only) | 3.4389% | 3,373 |
| Net charge-offs to loans | 0.2431% | 4,528 |
| Credit loss provision to net charge-offs | 37.0370% | 6,450 |
| Earnings coverage of net charge-offs (x) | 9.4393% | 2,111 |
| Efficiency ratio | 68.0287% | 4,969 |
| Assets per employee ($millions) | 3.9057% | 3,923 |
| Cash dividends to net income (ytd only)* | 48.6505% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 2,766 |
| Loan loss allowance to noncurrent loans | 380.6867% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.4670% | 6,297 |
| Noncurrent loans to loans | 0.4363% | 6,460 |
| Net loans and leases to total assets | 58.4617% | 5,814 |
| Net loans and leases to deposits | 72.0077% | 5,654 |
| Net loans and leases to core deposits | 87.1594% | 5,731 |
| Total domestic deposits to total assets | 81.1881% | 5,003 |
| Equity capital to assets | 13.9244% | 1,334 |
| Core capital (leverage) ratio | 13.2957% | 1,292 |
| Tier 1 risk-based capital ratio | 23.5038% | 1,053 |
| Total risk-based capital ratio | 24.7613% | 1,028 |
| Memoranda: | ||
| Average total assets | $179,335,250 | 3,476 |
| Average earning assets | $169,405,000 | 3,378 |
| Average equity | $24,348,500 | 2,705 |
| Average total loans | $103,648,000 | 3,889 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5416% | 4,378 |
| Cost of funding earning assets | 1.6927% | 5,310 |
| Net interest margin | 3.8489% | 3,344 |
| Noninterest income to average assets | 0.4386% | 4,945 |
| Noninterest expense to average assets | 2.8679% | 4,649 |
| Loan and lease loss provision to assets | 0.0558% | 6,664 |
| Net operating income to assets | 0.7466% | 3,058 |
| Return on assets (ROA) | 0.8593% | 2,716 |
| Pretax return on assets | 1.3090% | 1,998 |
| Return on Equity (ROE) | 6.3832% | 3,487 |
| Retained earnings to average equity (ytd only) | 2.9595% | 3,677 |
| Net charge-offs to loans | 0.1053% | 5,110 |
| Credit loss provision to net charge-offs | 92.5926% | 4,846 |
| Earnings coverage of net charge-offs (x) | 19.8148% | 1,344 |
| Efficiency ratio | 70.6044% | 4,656 |
| Assets per employee ($millions) | 3.7924% | 4,114 |
| Cash dividends to net income (ytd only)* | 53.6364% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8547% | 1,896 |
| Loan loss allowance to noncurrent loans | 213.9298% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 6,119 |
| Noncurrent loans to loans | 0.8670% | 5,482 |
| Net loans and leases to total assets | 54.9125% | 6,345 |
| Net loans and leases to deposits | 66.2869% | 6,363 |
| Net loans and leases to core deposits | 79.6697% | 6,436 |
| Total domestic deposits to total assets | 82.8407% | 4,315 |
| Equity capital to assets | 13.3029% | 1,561 |
| Core capital (leverage) ratio | 13.0766% | 1,405 |
| Tier 1 risk-based capital ratio | 24.2352% | 1,008 |
| Total risk-based capital ratio | 25.4934% | 988 |
| Memoranda: | ||
| Average total assets | $179,226,000 | 3,493 |
| Average earning assets | $168,724,330 | 3,416 |
| Average equity | $24,125,670 | 2,740 |
| Average total loans | $102,594,670 | 3,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7759% | 3,415 |
| Cost of funding earning assets | 1.8002% | 5,113 |
| Net interest margin | 3.9757% | 2,752 |
| Noninterest income to average assets | 0.6231% | 3,398 |
| Noninterest expense to average assets | 2.7398% | 4,827 |
| Loan and lease loss provision to assets | 0.1125% | 5,524 |
| Net operating income to assets | 0.9600% | 2,479 |
| Return on assets (ROA) | 1.1720% | 1,849 |
| Pretax return on assets | 1.8131% | 954 |
| Return on Equity (ROE) | 8.6543% | 2,858 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,808 |
| Net charge-offs to loans | -0.0388% | 7,630 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1415% | 5,844 |
| Assets per employee ($millions) | 3.6850% | 4,367 |
| Cash dividends to net income (ytd only)* | 34.9328% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 1,592 |
| Loan loss allowance to noncurrent loans | 285.9444% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 6,223 |
| Noncurrent loans to loans | 0.6695% | 5,733 |
| Net loans and leases to total assets | 56.5706% | 6,158 |
| Net loans and leases to deposits | 68.9011% | 6,091 |
| Net loans and leases to core deposits | 83.3425% | 6,112 |
| Total domestic deposits to total assets | 82.1040% | 4,505 |
| Equity capital to assets | 13.7524% | 1,439 |
| Core capital (leverage) ratio | 13.1544% | 1,434 |
| Tier 1 risk-based capital ratio | 24.0986% | 1,068 |
| Total risk-based capital ratio | 25.3580% | 1,042 |
| Memoranda: | ||
| Average total assets | $177,821,500 | 3,547 |
| Average earning assets | $166,208,000 | 3,471 |
| Average equity | $24,080,500 | 2,760 |
| Average total loans | $102,967,500 | 3,958 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2698% | 4,128 |
| Cost of funding earning assets | 2.2405% | 5,418 |
| Net interest margin | 4.0292% | 2,982 |
| Noninterest income to average assets | 0.6910% | 3,176 |
| Noninterest expense to average assets | 2.6715% | 5,378 |
| Loan and lease loss provision to assets | 0.7016% | 2,098 |
| Net operating income to assets | 0.7299% | 3,755 |
| Return on assets (ROA) | 0.7588% | 3,464 |
| Pretax return on assets | 1.1293% | 2,923 |
| Return on Equity (ROE) | 5.8007% | 4,029 |
| Retained earnings to average equity (ytd only) | 1.9150% | 4,042 |
| Net charge-offs to loans | 0.3749% | 2,968 |
| Credit loss provision to net charge-offs | 313.0000% | 1,441 |
| Earnings coverage of net charge-offs (x) | 7.9750% | 2,975 |
| Efficiency ratio | 59.9095% | 6,359 |
| Assets per employee ($millions) | 3.8035% | 3,954 |
| Cash dividends to net income (ytd only)* | 66.9867% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 1,582 |
| Loan loss allowance to noncurrent loans | 228.0723% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 5,484 |
| Noncurrent loans to loans | 0.7987% | 5,044 |
| Net loans and leases to total assets | 57.0738% | 6,325 |
| Net loans and leases to deposits | 69.5819% | 6,318 |
| Net loans and leases to core deposits | 84.1649% | 6,276 |
| Total domestic deposits to total assets | 82.0239% | 4,190 |
| Equity capital to assets | 13.3337% | 1,659 |
| Core capital (leverage) ratio | 12.9447% | 1,561 |
| Tier 1 risk-based capital ratio | 23.2455% | 1,161 |
| Total risk-based capital ratio | 24.5033% | 1,140 |
| Memoranda: | ||
| Average total assets | $178,436,800 | 3,427 |
| Average earning assets | $166,879,800 | 3,373 |
| Average equity | $23,342,200 | 2,810 |
| Average total loans | $106,694,200 | 3,772 |