Home > Bank of Yazoo City > Performance and Condition Ratios
Bank of Yazoo City, 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 | 3.5988% | 4,349 |
| Cost of funding earning assets | 1.2875% | 2,557 |
| Net interest margin | 2.3113% | 4,251 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.2038% | 3,121 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5134% | 3,642 |
| Return on assets (ROA) | 0.5134% | 3,635 |
| Pretax return on assets | 0.5891% | 3,654 |
| Return on Equity (ROE) | 6.8200% | 3,321 |
| Retained earnings to average equity (ytd only) | 4.0408% | 2,947 |
| Net charge-offs to loans | 0.0760% | 1,107 |
| Credit loss provision to net charge-offs | 179.4872% | 1,315 |
| Earnings coverage of net charge-offs (x) | 17.9060% | 1,955 |
| Efficiency ratio | 77.0963% | 1,151 |
| Assets per employee ($millions) | 7.7797% | 1,548 |
| Cash dividends to net income (ytd only)* | 40.7791% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 2,486 |
| Loan loss allowance to noncurrent loans | 9,700.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 1,065 |
| Noncurrent loans to loans | 0.0120% | 3,670 |
| Net loans and leases to total assets | 46.5000% | 3,795 |
| Net loans and leases to deposits | 54.1081% | 3,790 |
| Net loans and leases to core deposits | 61.7013% | 3,692 |
| Total domestic deposits to total assets | 85.9300% | 2,044 |
| Equity capital to assets | 8.1115% | 3,345 |
| Core capital (leverage) ratio | 10.5964% | 2,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $319,996,800 | 2,323 |
| Average earning assets | $291,959,000 | 2,349 |
| Average equity | $24,079,400 | 2,574 |
| Average total loans | $154,011,800 | 2,644 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5397% | 4,357 |
| Cost of funding earning assets | 1.1609% | 2,562 |
| Net interest margin | 2.3789% | 4,253 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.2061% | 3,059 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5525% | 3,658 |
| Return on assets (ROA) | 0.5525% | 3,644 |
| Pretax return on assets | 0.6416% | 3,656 |
| Return on Equity (ROE) | 7.4900% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.4872% | 2,144 |
| Net charge-offs to loans | 0.0077% | 2,127 |
| Credit loss provision to net charge-offs | 1,666.6667% | 286 |
| Earnings coverage of net charge-offs (x) | 187.8889% | 626 |
| Efficiency ratio | 75.8083% | 1,194 |
| Assets per employee ($millions) | 7.6877% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,464 |
| Loan loss allowance to noncurrent loans | 1,469.6721% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 1,037 |
| Noncurrent loans to loans | 0.0804% | 3,186 |
| Net loans and leases to total assets | 47.5700% | 3,762 |
| Net loans and leases to deposits | 54.7776% | 3,762 |
| Net loans and leases to core deposits | 63.2502% | 3,566 |
| Total domestic deposits to total assets | 86.8400% | 1,937 |
| Equity capital to assets | 7.4129% | 3,404 |
| Core capital (leverage) ratio | 10.7139% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $320,254,500 | 2,320 |
| Average earning assets | $291,841,000 | 2,354 |
| Average equity | $23,631,000 | 2,590 |
| Average total loans | $155,001,500 | 2,641 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 4,381 |
| Cost of funding earning assets | 0.9557% | 2,748 |
| Net interest margin | 2.5039% | 4,203 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.1482% | 3,222 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6883% | 3,366 |
| Return on assets (ROA) | 0.6883% | 3,368 |
| Pretax return on assets | 0.8157% | 3,368 |
| Return on Equity (ROE) | 9.3400% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.3425% | 1,595 |
| Net charge-offs to loans | 0.0026% | 2,252 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 701.5000% | 211 |
| Efficiency ratio | 71.1376% | 1,646 |
| Assets per employee ($millions) | 7.6431% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 2,992 |
| Loan loss allowance to noncurrent loans | 1,977.2727% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.7127% | 736 |
| Noncurrent loans to loans | 0.0552% | 3,305 |
| Net loans and leases to total assets | 49.1200% | 3,609 |
| Net loans and leases to deposits | 57.3354% | 3,573 |
| Net loans and leases to core deposits | 65.9294% | 3,353 |
| Total domestic deposits to total assets | 85.6700% | 2,339 |
| Equity capital to assets | 7.4661% | 3,537 |
| Core capital (leverage) ratio | 10.4422% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $321,941,000 | 2,314 |
| Average earning assets | $293,388,000 | 2,351 |
| Average equity | $23,719,667 | 2,584 |
| Average total loans | $156,091,333 | 2,629 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 4,412 |
| Cost of funding earning assets | 0.7942% | 2,759 |
| Net interest margin | 2.5529% | 4,253 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.1007% | 3,381 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7825% | 3,247 |
| Return on assets (ROA) | 0.7825% | 3,200 |
| Pretax return on assets | 0.9511% | 3,123 |
| Return on Equity (ROE) | 10.6600% | 2,589 |
| Retained earnings to average equity (ytd only) | 10.6617% | 1,545 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.0048% | 1,975 |
| Assets per employee ($millions) | 7.9778% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,219 |
| Loan loss allowance to noncurrent loans | 1,294.6154% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 684 |
| Noncurrent loans to loans | 0.0824% | 3,153 |
| Net loans and leases to total assets | 47.7000% | 3,651 |
| Net loans and leases to deposits | 55.3050% | 3,611 |
| Net loans and leases to core deposits | 62.5242% | 3,420 |
| Total domestic deposits to total assets | 86.2500% | 2,523 |
| Equity capital to assets | 7.5563% | 3,531 |
| Core capital (leverage) ratio | 10.3638% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $322,561,000 | 2,348 |
| Average earning assets | $293,631,500 | 2,381 |
| Average equity | $23,673,500 | 2,617 |
| Average total loans | $154,430,000 | 2,666 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9657% | 4,172 |
| Cost of funding earning assets | 0.2688% | 3,167 |
| Net interest margin | 2.6970% | 4,059 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.1702% | 3,100 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8710% | 3,075 |
| Return on assets (ROA) | 0.8713% | 3,011 |
| Pretax return on assets | 1.0646% | 2,879 |
| Return on Equity (ROE) | 10.8500% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.3573% | 2,077 |
| Net charge-offs to loans | 0.0133% | 1,882 |
| Credit loss provision to net charge-offs | 631.5789% | 578 |
| Earnings coverage of net charge-offs (x) | 181.3158% | 698 |
| Efficiency ratio | 66.3081% | 2,186 |
| Assets per employee ($millions) | 7.9508% | 1,343 |
| Cash dividends to net income (ytd only)* | 32.1822% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 2,932 |
| Loan loss allowance to noncurrent loans | 983.3333% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 634 |
| Noncurrent loans to loans | 0.1111% | 2,973 |
| Net loans and leases to total assets | 47.0100% | 3,737 |
| Net loans and leases to deposits | 56.6573% | 3,533 |
| Net loans and leases to core deposits | 61.4833% | 3,422 |
| Total domestic deposits to total assets | 82.9700% | 3,425 |
| Equity capital to assets | 7.1160% | 3,610 |
| Core capital (leverage) ratio | 10.5286% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $312,409,400 | 2,393 |
| Average earning assets | $286,134,800 | 2,411 |
| Average equity | $25,090,800 | 2,578 |
| Average total loans | $143,207,400 | 2,696 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9148% | 4,041 |
| Cost of funding earning assets | 0.2296% | 2,934 |
| Net interest margin | 2.6852% | 3,958 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 2.0642% | 3,308 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9158% | 2,813 |
| Return on assets (ROA) | 0.9161% | 2,781 |
| Pretax return on assets | 1.1729% | 2,478 |
| Return on Equity (ROE) | 11.0800% | 2,350 |
| Retained earnings to average equity (ytd only) | 11.0841% | 1,032 |
| Net charge-offs to loans | 0.0189% | 1,462 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 141.2500% | 772 |
| Efficiency ratio | 63.0236% | 2,682 |
| Assets per employee ($millions) | 7.1571% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 2,718 |
| Loan loss allowance to noncurrent loans | 4,502.7778% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 708 |
| Noncurrent loans to loans | 0.0259% | 3,716 |
| Net loans and leases to total assets | 44.7200% | 3,833 |
| Net loans and leases to deposits | 49.5989% | 3,882 |
| Net loans and leases to core deposits | 53.7839% | 3,761 |
| Total domestic deposits to total assets | 90.1600% | 1,589 |
| Equity capital to assets | 7.0526% | 3,485 |
| Core capital (leverage) ratio | 10.5988% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $311,004,000 | 2,412 |
| Average earning assets | $285,114,250 | 2,433 |
| Average equity | $25,705,750 | 2,586 |
| Average total loans | $141,220,250 | 2,723 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8386% | 3,920 |
| Cost of funding earning assets | 0.2289% | 2,521 |
| Net interest margin | 2.6097% | 3,889 |
| Noninterest income to average assets | 0.8004% | 1,041 |
| Noninterest expense to average assets | 1.9533% | 3,568 |
| Loan and lease loss provision to assets | 0.0385% | 1,897 |
| Net operating income to assets | 0.9390% | 2,405 |
| Return on assets (ROA) | 0.9395% | 2,379 |
| Pretax return on assets | 1.2061% | 2,058 |
| Return on Equity (ROE) | 10.8435% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.8435% | 813 |
| Net charge-offs to loans | 0.0070% | 1,741 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 388.2000% | 327 |
| Efficiency ratio | 61.0944% | 3,170 |
| Assets per employee ($millions) | 7.2571% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,001 |
| Loan loss allowance to noncurrent loans | 53,533.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 676 |
| Noncurrent loans to loans | 0.0021% | 4,001 |
| Net loans and leases to total assets | 44.7346% | 3,777 |
| Net loans and leases to deposits | 48.7609% | 3,880 |
| Net loans and leases to core deposits | 53.3340% | 3,734 |
| Total domestic deposits to total assets | 91.7428% | 947 |
| Equity capital to assets | 7.6970% | 3,346 |
| Core capital (leverage) ratio | 10.4556% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,086,333 | 2,427 |
| Average earning assets | $286,618,333 | 2,450 |
| Average equity | $27,039,333 | 2,578 |
| Average total loans | $141,880,000 | 2,735 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7917% | 3,761 |
| Cost of funding earning assets | 0.2285% | 2,419 |
| Net interest margin | 2.5632% | 3,744 |
| Noninterest income to average assets | 0.8944% | 847 |
| Noninterest expense to average assets | 2.1233% | 3,071 |
| Loan and lease loss provision to assets | 0.0384% | 1,671 |
| Net operating income to assets | 0.8842% | 2,340 |
| Return on assets (ROA) | 0.8842% | 2,340 |
| Pretax return on assets | 1.0905% | 2,172 |
| Return on Equity (ROE) | 9.8408% | 2,026 |
| Retained earnings to average equity (ytd only) | 9.8408% | 1,062 |
| Net charge-offs to loans | 0.0056% | 1,552 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 440.5000% | 234 |
| Efficiency ratio | 65.2876% | 2,859 |
| Assets per employee ($millions) | 8.1292% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 733 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.7224% | 3,684 |
| Net loans and leases to deposits | 49.0801% | 3,811 |
| Net loans and leases to core deposits | 52.1847% | 3,719 |
| Total domestic deposits to total assets | 91.1213% | 969 |
| Equity capital to assets | 8.1636% | 3,436 |
| Core capital (leverage) ratio | 10.4448% | 1,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,155,500 | 2,438 |
| Average earning assets | $287,141,500 | 2,462 |
| Average equity | $28,046,500 | 2,604 |
| Average total loans | $142,218,500 | 2,732 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 3,331 |
| Cost of funding earning assets | 0.2515% | 2,915 |
| Net interest margin | 3.0046% | 3,183 |
| Noninterest income to average assets | 0.6745% | 1,855 |
| Noninterest expense to average assets | 2.3585% | 2,626 |
| Loan and lease loss provision to assets | 0.1011% | 1,240 |
| Net operating income to assets | 0.8053% | 3,318 |
| Return on assets (ROA) | 0.8346% | 3,297 |
| Pretax return on assets | 1.0166% | 3,215 |
| Return on Equity (ROE) | 8.1238% | 3,185 |
| Retained earnings to average equity (ytd only) | 5.4301% | 2,603 |
| Net charge-offs to loans | 0.1355% | 685 |
| Credit loss provision to net charge-offs | 152.2843% | 1,482 |
| Earnings coverage of net charge-offs (x) | 16.2944% | 1,982 |
| Efficiency ratio | 68.5510% | 1,913 |
| Assets per employee ($millions) | 7.4944% | 1,620 |
| Cash dividends to net income (ytd only)* | 33.1583% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 3,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 770 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.4058% | 3,733 |
| Net loans and leases to deposits | 50.8279% | 3,829 |
| Net loans and leases to core deposits | 53.7500% | 3,769 |
| Total domestic deposits to total assets | 89.3325% | 1,334 |
| Equity capital to assets | 9.8320% | 2,820 |
| Core capital (leverage) ratio | 10.5661% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,667,400 | 2,443 |
| Average earning assets | $273,116,400 | 2,466 |
| Average equity | $30,478,200 | 2,502 |
| Average total loans | $145,412,400 | 2,670 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3018% | 3,384 |
| Cost of funding earning assets | 0.2632% | 2,982 |
| Net interest margin | 3.0386% | 3,208 |
| Noninterest income to average assets | 0.6680% | 1,942 |
| Noninterest expense to average assets | 2.3835% | 2,487 |
| Loan and lease loss provision to assets | 0.1224% | 954 |
| Net operating income to assets | 0.7886% | 3,555 |
| Return on assets (ROA) | 0.8281% | 3,513 |
| Pretax return on assets | 1.0063% | 3,437 |
| Return on Equity (ROE) | 7.9706% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.9706% | 2,063 |
| Net charge-offs to loans | 0.1729% | 499 |
| Credit loss provision to net charge-offs | 142.1053% | 1,381 |
| Earnings coverage of net charge-offs (x) | 12.5421% | 1,953 |
| Efficiency ratio | 68.8048% | 1,728 |
| Assets per employee ($millions) | 7.2591% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 3,547 |
| Loan loss allowance to noncurrent loans | 21,828.5714% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 903 |
| Noncurrent loans to loans | 0.0049% | 4,177 |
| Net loans and leases to total assets | 46.0518% | 3,791 |
| Net loans and leases to deposits | 52.4563% | 3,848 |
| Net loans and leases to core deposits | 55.6684% | 3,799 |
| Total domestic deposits to total assets | 87.7907% | 1,956 |
| Equity capital to assets | 10.3017% | 2,611 |
| Core capital (leverage) ratio | 10.7154% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,016,500 | 2,480 |
| Average earning assets | $270,554,000 | 2,503 |
| Average equity | $30,545,000 | 2,527 |
| Average total loans | $146,498,000 | 2,706 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2294% | 3,618 |
| Cost of funding earning assets | 0.2757% | 3,035 |
| Net interest margin | 2.9537% | 3,438 |
| Noninterest income to average assets | 0.6853% | 1,867 |
| Noninterest expense to average assets | 2.4050% | 2,446 |
| Loan and lease loss provision to assets | 0.1240% | 1,011 |
| Net operating income to assets | 0.7273% | 3,692 |
| Return on assets (ROA) | 0.7273% | 3,761 |
| Pretax return on assets | 0.8719% | 3,724 |
| Return on Equity (ROE) | 6.9801% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.9801% | 2,441 |
| Net charge-offs to loans | 0.2486% | 353 |
| Credit loss provision to net charge-offs | 97.8261% | 1,400 |
| Earnings coverage of net charge-offs (x) | 7.8587% | 1,908 |
| Efficiency ratio | 70.7169% | 1,554 |
| Assets per employee ($millions) | 6.6506% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,879 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 1,002 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.6736% | 3,670 |
| Net loans and leases to deposits | 55.0170% | 3,796 |
| Net loans and leases to core deposits | 58.4228% | 3,735 |
| Total domestic deposits to total assets | 88.4702% | 1,581 |
| Equity capital to assets | 10.2280% | 2,639 |
| Core capital (leverage) ratio | 10.5074% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,394,333 | 2,494 |
| Average earning assets | $266,986,667 | 2,522 |
| Average equity | $30,257,333 | 2,534 |
| Average total loans | $148,020,000 | 2,707 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1121% | 3,855 |
| Cost of funding earning assets | 0.2915% | 3,085 |
| Net interest margin | 2.8205% | 3,713 |
| Noninterest income to average assets | 0.6698% | 1,959 |
| Noninterest expense to average assets | 2.4654% | 2,280 |
| Loan and lease loss provision to assets | 0.1259% | 1,087 |
| Net operating income to assets | 0.5719% | 4,016 |
| Return on assets (ROA) | 0.5719% | 4,068 |
| Pretax return on assets | 0.6628% | 4,091 |
| Return on Equity (ROE) | 5.4579% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.4579% | 3,078 |
| Net charge-offs to loans | 0.6062% | 135 |
| Credit loss provision to net charge-offs | 40.0000% | 1,352 |
| Earnings coverage of net charge-offs (x) | 2.5067% | 1,804 |
| Efficiency ratio | 75.7628% | 1,158 |
| Assets per employee ($millions) | 6.8858% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 4,234 |
| Loan loss allowance to noncurrent loans | 2,152.4590% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.8555% | 1,037 |
| Noncurrent loans to loans | 0.0406% | 4,080 |
| Net loans and leases to total assets | 49.2057% | 3,697 |
| Net loans and leases to deposits | 55.0946% | 3,859 |
| Net loans and leases to core deposits | 58.3639% | 3,811 |
| Total domestic deposits to total assets | 89.3113% | 1,163 |
| Equity capital to assets | 9.8147% | 2,884 |
| Core capital (leverage) ratio | 10.7052% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,041,500 | 2,510 |
| Average earning assets | $262,077,000 | 2,538 |
| Average equity | $29,975,000 | 2,548 |
| Average total loans | $148,473,500 | 2,712 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 3,536 |
| Cost of funding earning assets | 0.3659% | 3,787 |
| Net interest margin | 3.3512% | 2,922 |
| Noninterest income to average assets | 0.7230% | 1,776 |
| Noninterest expense to average assets | 2.7257% | 2,155 |
| Loan and lease loss provision to assets | 0.0982% | 3,104 |
| Net operating income to assets | 0.7865% | 3,148 |
| Return on assets (ROA) | 0.8309% | 3,103 |
| Pretax return on assets | 0.9850% | 3,088 |
| Return on Equity (ROE) | 7.2328% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.0862% | 2,768 |
| Net charge-offs to loans | 0.0381% | 2,288 |
| Credit loss provision to net charge-offs | 477.3585% | 1,296 |
| Earnings coverage of net charge-offs (x) | 50.0755% | 1,198 |
| Efficiency ratio | 72.5656% | 1,619 |
| Assets per employee ($millions) | 5.6065% | 2,734 |
| Cash dividends to net income (ytd only)* | 43.5047% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,918 |
| Loan loss allowance to noncurrent loans | 3,531.7073% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 1,133 |
| Noncurrent loans to loans | 0.0280% | 4,206 |
| Net loans and leases to total assets | 53.9207% | 3,492 |
| Net loans and leases to deposits | 61.6709% | 3,629 |
| Net loans and leases to core deposits | 65.6101% | 3,571 |
| Total domestic deposits to total assets | 87.4330% | 1,733 |
| Equity capital to assets | 11.2274% | 2,075 |
| Core capital (leverage) ratio | 11.4859% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,551,800 | 2,527 |
| Average earning assets | $233,110,200 | 2,579 |
| Average equity | $29,587,600 | 2,493 |
| Average total loans | $138,969,600 | 2,761 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 3,895 |
| Cost of funding earning assets | 0.3928% | 3,845 |
| Net interest margin | 3.2681% | 3,289 |
| Noninterest income to average assets | 0.7209% | 1,734 |
| Noninterest expense to average assets | 2.7267% | 2,180 |
| Loan and lease loss provision to assets | 0.0487% | 3,747 |
| Net operating income to assets | 0.7511% | 3,282 |
| Return on assets (ROA) | 0.7827% | 3,273 |
| Pretax return on assets | 0.9366% | 3,277 |
| Return on Equity (ROE) | 6.7727% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.7727% | 1,785 |
| Net charge-offs to loans | 0.0156% | 2,571 |
| Credit loss provision to net charge-offs | 581.2500% | 1,177 |
| Earnings coverage of net charge-offs (x) | 113.1250% | 729 |
| Efficiency ratio | 74.2092% | 1,387 |
| Assets per employee ($millions) | 5.5092% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 4,127 |
| Loan loss allowance to noncurrent loans | 2,137.0968% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 1,359 |
| Noncurrent loans to loans | 0.0412% | 4,223 |
| Net loans and leases to total assets | 56.3674% | 3,587 |
| Net loans and leases to deposits | 64.6225% | 3,746 |
| Net loans and leases to core deposits | 69.0897% | 3,693 |
| Total domestic deposits to total assets | 87.2256% | 1,566 |
| Equity capital to assets | 11.5889% | 1,942 |
| Core capital (leverage) ratio | 11.7229% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,662,250 | 2,537 |
| Average earning assets | $230,141,250 | 2,579 |
| Average equity | $29,431,000 | 2,499 |
| Average total loans | $137,073,500 | 2,782 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,033 |
| Cost of funding earning assets | 0.4295% | 3,901 |
| Net interest margin | 3.2954% | 3,400 |
| Noninterest income to average assets | 0.7216% | 1,663 |
| Noninterest expense to average assets | 2.7828% | 2,133 |
| Loan and lease loss provision to assets | 0.0263% | 3,928 |
| Net operating income to assets | 0.7395% | 3,244 |
| Return on assets (ROA) | 0.7876% | 3,197 |
| Pretax return on assets | 0.9427% | 3,199 |
| Return on Equity (ROE) | 6.8215% | 3,198 |
| Retained earnings to average equity (ytd only) | 6.8215% | 1,729 |
| Net charge-offs to loans | -0.0166% | 4,352 |
| Credit loss provision to net charge-offs | -300.0000% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3230% | 1,331 |
| Assets per employee ($millions) | 5.3719% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 3,983 |
| Loan loss allowance to noncurrent loans | 971.4286% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 1,388 |
| Noncurrent loans to loans | 0.0932% | 4,092 |
| Net loans and leases to total assets | 53.7327% | 3,897 |
| Net loans and leases to deposits | 61.5874% | 4,034 |
| Net loans and leases to core deposits | 65.3121% | 4,005 |
| Total domestic deposits to total assets | 87.2463% | 1,526 |
| Equity capital to assets | 11.4552% | 2,003 |
| Core capital (leverage) ratio | 11.7275% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,402,333 | 2,535 |
| Average earning assets | $226,797,667 | 2,575 |
| Average equity | $29,026,000 | 2,521 |
| Average total loans | $132,636,667 | 2,830 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 4,084 |
| Cost of funding earning assets | 0.5142% | 3,871 |
| Net interest margin | 3.3623% | 3,415 |
| Noninterest income to average assets | 0.7906% | 1,341 |
| Noninterest expense to average assets | 2.8104% | 2,405 |
| Loan and lease loss provision to assets | 0.0277% | 3,443 |
| Net operating income to assets | 0.8097% | 2,872 |
| Return on assets (ROA) | 0.8949% | 2,645 |
| Pretax return on assets | 1.0824% | 2,584 |
| Return on Equity (ROE) | 7.7241% | 2,628 |
| Retained earnings to average equity (ytd only) | 7.7241% | 1,311 |
| Net charge-offs to loans | 0.0941% | 1,129 |
| Credit loss provision to net charge-offs | 56.6667% | 2,032 |
| Earnings coverage of net charge-offs (x) | 20.6000% | 1,408 |
| Efficiency ratio | 73.6123% | 1,871 |
| Assets per employee ($millions) | 5.3553% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 3,788 |
| Loan loss allowance to noncurrent loans | 614.4279% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 1,367 |
| Noncurrent loans to loans | 0.1603% | 3,886 |
| Net loans and leases to total assets | 49.3413% | 4,270 |
| Net loans and leases to deposits | 56.2589% | 4,358 |
| Net loans and leases to core deposits | 59.9172% | 4,361 |
| Total domestic deposits to total assets | 87.7039% | 1,227 |
| Equity capital to assets | 11.4177% | 2,512 |
| Core capital (leverage) ratio | 12.1422% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,377,000 | 2,521 |
| Average earning assets | $220,917,000 | 2,565 |
| Average equity | $28,430,500 | 2,543 |
| Average total loans | $127,590,000 | 2,861 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 4,236 |
| Cost of funding earning assets | 0.5973% | 3,650 |
| Net interest margin | 3.4126% | 3,709 |
| Noninterest income to average assets | 0.7429% | 1,655 |
| Noninterest expense to average assets | 2.7368% | 2,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9069% | 3,179 |
| Return on assets (ROA) | 0.9089% | 3,263 |
| Pretax return on assets | 1.1160% | 3,118 |
| Return on Equity (ROE) | 8.2759% | 3,047 |
| Retained earnings to average equity (ytd only) | 4.8386% | 2,509 |
| Net charge-offs to loans | 0.6412% | 276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 3.2140% | 3,346 |
| Efficiency ratio | 71.0788% | 2,010 |
| Assets per employee ($millions) | 4.9803% | 2,626 |
| Cash dividends to net income (ytd only)* | 41.5337% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,689 |
| Loan loss allowance to noncurrent loans | 554.6667% | 903 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 1,208 |
| Noncurrent loans to loans | 0.1734% | 3,840 |
| Net loans and leases to total assets | 53.7556% | 4,089 |
| Net loans and leases to deposits | 61.7868% | 4,201 |
| Net loans and leases to core deposits | 65.9479% | 4,191 |
| Total domestic deposits to total assets | 87.0018% | 1,609 |
| Equity capital to assets | 11.7642% | 2,310 |
| Core capital (leverage) ratio | 12.1799% | 1,667 |
| Tier 1 risk-based capital ratio | 18.9999% | 1,514 |
| Total risk-based capital ratio | 19.8100% | 1,591 |
| Memoranda: | ||
| Average total assets | $248,212,400 | 2,477 |
| Average earning assets | $226,013,600 | 2,490 |
| Average equity | $27,260,000 | 2,544 |
| Average total loans | $134,116,000 | 2,784 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 4,369 |
| Cost of funding earning assets | 0.6192% | 3,589 |
| Net interest margin | 3.3776% | 3,921 |
| Noninterest income to average assets | 0.7526% | 1,584 |
| Noninterest expense to average assets | 2.6948% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9293% | 3,233 |
| Return on assets (ROA) | 0.9293% | 3,311 |
| Pretax return on assets | 1.1411% | 3,162 |
| Return on Equity (ROE) | 8.6079% | 3,054 |
| Retained earnings to average equity (ytd only) | 8.6079% | 1,168 |
| Net charge-offs to loans | 0.2317% | 765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.1233% | 2,596 |
| Efficiency ratio | 70.2511% | 2,082 |
| Assets per employee ($millions) | 4.7225% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,510 |
| Loan loss allowance to noncurrent loans | 75.4938% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 1,168 |
| Noncurrent loans to loans | 1.8757% | 750 |
| Net loans and leases to total assets | 54.1400% | 4,170 |
| Net loans and leases to deposits | 62.0294% | 4,289 |
| Net loans and leases to core deposits | 66.2452% | 4,262 |
| Total domestic deposits to total assets | 87.2812% | 1,385 |
| Equity capital to assets | 11.8315% | 2,389 |
| Core capital (leverage) ratio | 12.2242% | 1,717 |
| Tier 1 risk-based capital ratio | 19.2115% | 1,520 |
| Total risk-based capital ratio | 20.4232% | 1,497 |
| Memoranda: | ||
| Average total assets | $250,501,500 | 2,480 |
| Average earning assets | $228,679,750 | 2,500 |
| Average equity | $27,044,250 | 2,568 |
| Average total loans | $135,206,500 | 2,803 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9401% | 4,496 |
| Cost of funding earning assets | 0.6161% | 3,568 |
| Net interest margin | 3.3240% | 4,090 |
| Noninterest income to average assets | 0.7323% | 1,590 |
| Noninterest expense to average assets | 2.6754% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8923% | 3,316 |
| Return on assets (ROA) | 0.8923% | 3,378 |
| Pretax return on assets | 1.0933% | 3,254 |
| Return on Equity (ROE) | 8.5240% | 3,053 |
| Retained earnings to average equity (ytd only) | 8.5240% | 1,194 |
| Net charge-offs to loans | 0.0793% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 25.6852% | 1,589 |
| Efficiency ratio | 70.9893% | 2,072 |
| Assets per employee ($millions) | 4.8923% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,232 |
| Loan loss allowance to noncurrent loans | 1,521.4815% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 4,089 |
| Noncurrent loans to loans | 0.0995% | 4,233 |
| Net loans and leases to total assets | 53.5560% | 4,240 |
| Net loans and leases to deposits | 61.7350% | 4,342 |
| Net loans and leases to core deposits | 66.0978% | 4,313 |
| Total domestic deposits to total assets | 86.7515% | 1,704 |
| Equity capital to assets | 11.1291% | 2,922 |
| Core capital (leverage) ratio | 11.6008% | 2,090 |
| Tier 1 risk-based capital ratio | 18.2352% | 1,743 |
| Total risk-based capital ratio | 19.4856% | 1,705 |
| Memoranda: | ||
| Average total assets | $253,719,330 | 2,466 |
| Average earning assets | $231,771,330 | 2,485 |
| Average equity | $26,560,330 | 2,597 |
| Average total loans | $136,186,000 | 2,801 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 4,613 |
| Cost of funding earning assets | 0.6031% | 3,554 |
| Net interest margin | 3.2606% | 4,248 |
| Noninterest income to average assets | 0.7208% | 1,541 |
| Noninterest expense to average assets | 2.6126% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8850% | 3,291 |
| Return on assets (ROA) | 0.8850% | 3,349 |
| Pretax return on assets | 1.0835% | 3,195 |
| Return on Equity (ROE) | 8.6788% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.6788% | 1,425 |
| Net charge-offs to loans | 0.0381% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 53.3077% | 986 |
| Efficiency ratio | 70.6853% | 2,242 |
| Assets per employee ($millions) | 4.8582% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,133 |
| Loan loss allowance to noncurrent loans | 1,026.9608% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,076 |
| Noncurrent loans to loans | 0.1527% | 4,051 |
| Net loans and leases to total assets | 50.1328% | 4,461 |
| Net loans and leases to deposits | 58.0514% | 4,498 |
| Net loans and leases to core deposits | 62.0240% | 4,475 |
| Total domestic deposits to total assets | 86.3595% | 2,123 |
| Equity capital to assets | 10.1790% | 3,642 |
| Core capital (leverage) ratio | 11.2331% | 2,359 |
| Tier 1 risk-based capital ratio | 17.9371% | 1,808 |
| Total risk-based capital ratio | 19.1879% | 1,771 |
| Memoranda: | ||
| Average total assets | $255,833,500 | 2,477 |
| Average earning assets | $233,454,500 | 2,501 |
| Average equity | $26,086,500 | 2,633 |
| Average total loans | $136,439,000 | 2,834 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 4,531 |
| Cost of funding earning assets | 0.4734% | 3,530 |
| Net interest margin | 3.3089% | 4,230 |
| Noninterest income to average assets | 0.7107% | 1,810 |
| Noninterest expense to average assets | 2.5833% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9838% | 3,086 |
| Return on assets (ROA) | 0.9838% | 3,084 |
| Pretax return on assets | 1.1667% | 3,034 |
| Return on Equity (ROE) | 9.7927% | 2,606 |
| Retained earnings to average equity (ytd only) | 4.0737% | 3,316 |
| Net charge-offs to loans | 0.0351% | 2,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 62.1702% | 1,002 |
| Efficiency ratio | 68.8884% | 2,410 |
| Assets per employee ($millions) | 4.7947% | 2,752 |
| Cash dividends to net income (ytd only)* | 58.4010% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,246 |
| Loan loss allowance to noncurrent loans | 1,951.8519% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 4,256 |
| Noncurrent loans to loans | 0.0776% | 4,405 |
| Net loans and leases to total assets | 55.0107% | 4,209 |
| Net loans and leases to deposits | 67.3378% | 4,018 |
| Net loans and leases to core deposits | 72.3914% | 3,962 |
| Total domestic deposits to total assets | 81.6937% | 3,721 |
| Equity capital to assets | 10.2152% | 3,454 |
| Core capital (leverage) ratio | 11.1655% | 2,382 |
| Tier 1 risk-based capital ratio | 17.2331% | 1,983 |
| Total risk-based capital ratio | 18.4837% | 1,933 |
| Memoranda: | ||
| Average total assets | $250,453,600 | 2,469 |
| Average earning assets | $230,045,600 | 2,485 |
| Average equity | $25,161,600 | 2,638 |
| Average total loans | $133,809,400 | 2,837 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 4,617 |
| Cost of funding earning assets | 0.4183% | 3,732 |
| Net interest margin | 3.3002% | 4,276 |
| Noninterest income to average assets | 0.6993% | 1,866 |
| Noninterest expense to average assets | 2.5572% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0040% | 3,064 |
| Return on assets (ROA) | 1.0040% | 3,078 |
| Pretax return on assets | 1.1794% | 3,071 |
| Return on Equity (ROE) | 10.0351% | 2,606 |
| Retained earnings to average equity (ytd only) | 10.0351% | 912 |
| Net charge-offs to loans | 0.0352% | 2,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 63.3653% | 1,020 |
| Efficiency ratio | 68.4360% | 2,455 |
| Assets per employee ($millions) | 4.6424% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,196 |
| Loan loss allowance to noncurrent loans | 621.7009% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 3,912 |
| Noncurrent loans to loans | 0.2491% | 3,797 |
| Net loans and leases to total assets | 53.7572% | 4,377 |
| Net loans and leases to deposits | 65.6235% | 4,230 |
| Net loans and leases to core deposits | 70.6034% | 4,150 |
| Total domestic deposits to total assets | 81.9177% | 3,639 |
| Equity capital to assets | 10.2911% | 3,342 |
| Core capital (leverage) ratio | 11.4630% | 2,199 |
| Tier 1 risk-based capital ratio | 18.0550% | 1,776 |
| Total risk-based capital ratio | 19.3059% | 1,731 |
| Memoranda: | ||
| Average total assets | $250,736,000 | 2,482 |
| Average earning assets | $230,770,750 | 2,496 |
| Average equity | $25,084,750 | 2,654 |
| Average total loans | $132,446,000 | 2,867 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 4,694 |
| Cost of funding earning assets | 0.3615% | 4,000 |
| Net interest margin | 3.2825% | 4,300 |
| Noninterest income to average assets | 0.6931% | 1,894 |
| Noninterest expense to average assets | 2.5348% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0305% | 2,891 |
| Return on assets (ROA) | 1.0305% | 2,893 |
| Pretax return on assets | 1.1860% | 2,989 |
| Return on Equity (ROE) | 10.3998% | 2,381 |
| Retained earnings to average equity (ytd only) | 10.3998% | 818 |
| Net charge-offs to loans | 0.0305% | 2,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 74.3500% | 866 |
| Efficiency ratio | 68.1243% | 2,625 |
| Assets per employee ($millions) | 4.6646% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 1,147 |
| Loan loss allowance to noncurrent loans | 1,558.3942% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,377 |
| Noncurrent loans to loans | 0.1018% | 4,457 |
| Net loans and leases to total assets | 52.5815% | 4,441 |
| Net loans and leases to deposits | 61.2186% | 4,468 |
| Net loans and leases to core deposits | 65.5847% | 4,389 |
| Total domestic deposits to total assets | 85.8914% | 2,332 |
| Equity capital to assets | 10.0767% | 3,555 |
| Core capital (leverage) ratio | 11.2125% | 2,336 |
| Tier 1 risk-based capital ratio | 17.9892% | 1,801 |
| Total risk-based capital ratio | 19.2403% | 1,771 |
| Memoranda: | ||
| Average total assets | $250,750,670 | 2,497 |
| Average earning assets | $231,287,000 | 2,502 |
| Average equity | $24,846,670 | 2,676 |
| Average total loans | $130,966,330 | 2,901 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 4,793 |
| Cost of funding earning assets | 0.3203% | 4,196 |
| Net interest margin | 3.2305% | 4,368 |
| Noninterest income to average assets | 0.6987% | 1,836 |
| Noninterest expense to average assets | 2.4862% | 3,692 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9801% | 2,940 |
| Return on assets (ROA) | 0.9801% | 2,969 |
| Pretax return on assets | 1.1959% | 2,767 |
| Return on Equity (ROE) | 9.9760% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.9760% | 1,167 |
| Net charge-offs to loans | 0.0217% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 106.8571% | 584 |
| Efficiency ratio | 67.5206% | 2,912 |
| Assets per employee ($millions) | 4.8917% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 1,046 |
| Loan loss allowance to noncurrent loans | 1,591.1111% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,473 |
| Noncurrent loans to loans | 0.1040% | 4,505 |
| Net loans and leases to total assets | 50.1989% | 4,544 |
| Net loans and leases to deposits | 56.0582% | 4,685 |
| Net loans and leases to core deposits | 60.2623% | 4,639 |
| Total domestic deposits to total assets | 89.5479% | 862 |
| Equity capital to assets | 9.6525% | 3,939 |
| Core capital (leverage) ratio | 11.0399% | 2,401 |
| Tier 1 risk-based capital ratio | 18.1980% | 1,772 |
| Total risk-based capital ratio | 19.4503% | 1,732 |
| Memoranda: | ||
| Average total assets | $250,181,500 | 2,515 |
| Average earning assets | $231,046,500 | 2,522 |
| Average equity | $24,579,000 | 2,719 |
| Average total loans | $129,158,500 | 2,946 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5067% | 4,777 |
| Cost of funding earning assets | 0.2867% | 4,261 |
| Net interest margin | 3.2200% | 4,393 |
| Noninterest income to average assets | 0.5803% | 2,548 |
| Noninterest expense to average assets | 2.4742% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6710% | 3,727 |
| Return on assets (ROA) | 0.7222% | 3,550 |
| Pretax return on assets | 1.1599% | 2,945 |
| Return on Equity (ROE) | 7.2795% | 3,130 |
| Retained earnings to average equity (ytd only) | 2.4345% | 3,873 |
| Net charge-offs to loans | 0.0424% | 2,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 52.7115% | 1,051 |
| Efficiency ratio | 69.6153% | 2,618 |
| Assets per employee ($millions) | 4.7306% | 2,820 |
| Cash dividends to net income (ytd only)* | 66.5576% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 984 |
| Loan loss allowance to noncurrent loans | 1,190.6077% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,416 |
| Noncurrent loans to loans | 0.1409% | 4,360 |
| Net loans and leases to total assets | 51.3523% | 4,567 |
| Net loans and leases to deposits | 58.3643% | 4,673 |
| Net loans and leases to core deposits | 63.2118% | 4,586 |
| Total domestic deposits to total assets | 87.9858% | 1,512 |
| Equity capital to assets | 10.0023% | 3,706 |
| Core capital (leverage) ratio | 10.9161% | 2,413 |
| Tier 1 risk-based capital ratio | 18.1084% | 1,772 |
| Total risk-based capital ratio | 19.3606% | 1,723 |
| Memoranda: | ||
| Average total assets | $253,815,200 | 2,464 |
| Average earning assets | $234,409,200 | 2,463 |
| Average equity | $25,180,200 | 2,664 |
| Average total loans | $122,671,600 | 3,018 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 4,870 |
| Cost of funding earning assets | 0.2793% | 4,322 |
| Net interest margin | 3.1884% | 4,479 |
| Noninterest income to average assets | 0.6761% | 2,103 |
| Noninterest expense to average assets | 2.4610% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8512% | 3,269 |
| Return on assets (ROA) | 0.9018% | 3,077 |
| Pretax return on assets | 1.2297% | 2,785 |
| Return on Equity (ROE) | 9.1084% | 2,546 |
| Retained earnings to average equity (ytd only) | 9.1084% | 809 |
| Net charge-offs to loans | 0.0583% | 2,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 42.0030% | 1,250 |
| Efficiency ratio | 67.9574% | 2,882 |
| Assets per employee ($millions) | 4.6151% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7148% | 1,001 |
| Loan loss allowance to noncurrent loans | 1,560.8696% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,626 |
| Noncurrent loans to loans | 0.1099% | 4,615 |
| Net loans and leases to total assets | 48.6373% | 4,789 |
| Net loans and leases to deposits | 56.4127% | 4,855 |
| Net loans and leases to core deposits | 60.8672% | 4,775 |
| Total domestic deposits to total assets | 86.2169% | 2,225 |
| Equity capital to assets | 10.4025% | 3,476 |
| Core capital (leverage) ratio | 10.8177% | 2,627 |
| Tier 1 risk-based capital ratio | 18.5720% | 1,707 |
| Total risk-based capital ratio | 19.8246% | 1,660 |
| Memoranda: | ||
| Average total assets | $255,770,750 | 2,467 |
| Average earning assets | $236,267,250 | 2,471 |
| Average equity | $25,324,000 | 2,680 |
| Average total loans | $121,220,000 | 3,061 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4158% | 4,948 |
| Cost of funding earning assets | 0.2508% | 4,534 |
| Net interest margin | 3.1650% | 4,507 |
| Noninterest income to average assets | 0.6684% | 2,133 |
| Noninterest expense to average assets | 2.4133% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8704% | 3,070 |
| Return on assets (ROA) | 0.8681% | 3,133 |
| Pretax return on assets | 1.1754% | 2,873 |
| Return on Equity (ROE) | 8.9170% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.9170% | 865 |
| Net charge-offs to loans | 0.0735% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 34.3409% | 1,369 |
| Efficiency ratio | 67.1878% | 3,157 |
| Assets per employee ($millions) | 4.6743% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 983 |
| Loan loss allowance to noncurrent loans | 1,451.6779% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,692 |
| Noncurrent loans to loans | 0.1204% | 4,638 |
| Net loans and leases to total assets | 46.4693% | 4,926 |
| Net loans and leases to deposits | 55.4589% | 4,877 |
| Net loans and leases to core deposits | 59.8074% | 4,828 |
| Total domestic deposits to total assets | 83.7905% | 3,287 |
| Equity capital to assets | 9.9316% | 3,990 |
| Core capital (leverage) ratio | 10.5718% | 2,842 |
| Tier 1 risk-based capital ratio | 18.3228% | 1,768 |
| Total risk-based capital ratio | 19.5756% | 1,728 |
| Memoranda: | ||
| Average total assets | $256,417,000 | 2,475 |
| Average earning assets | $236,837,670 | 2,480 |
| Average equity | $24,963,670 | 2,709 |
| Average total loans | $119,756,330 | 3,099 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4005% | 4,923 |
| Cost of funding earning assets | 0.2375% | 4,658 |
| Net interest margin | 3.1629% | 4,461 |
| Noninterest income to average assets | 0.6808% | 2,039 |
| Noninterest expense to average assets | 2.3779% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8951% | 2,788 |
| Return on assets (ROA) | 0.8951% | 2,834 |
| Pretax return on assets | 1.2197% | 2,513 |
| Return on Equity (ROE) | 9.3363% | 2,260 |
| Retained earnings to average equity (ytd only) | 9.3363% | 969 |
| Net charge-offs to loans | 0.1223% | 1,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 21.5000% | 1,441 |
| Efficiency ratio | 66.0972% | 3,477 |
| Assets per employee ($millions) | 4.7926% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 840 |
| Loan loss allowance to noncurrent loans | 2,028.9720% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 4,832 |
| Noncurrent loans to loans | 0.0921% | 4,825 |
| Net loans and leases to total assets | 44.0352% | 5,038 |
| Net loans and leases to deposits | 49.1593% | 5,172 |
| Net loans and leases to core deposits | 52.9981% | 5,106 |
| Total domestic deposits to total assets | 89.5766% | 863 |
| Equity capital to assets | 9.6062% | 4,177 |
| Core capital (leverage) ratio | 10.4614% | 2,945 |
| Tier 1 risk-based capital ratio | 18.8038% | 1,658 |
| Total risk-based capital ratio | 20.0574% | 1,616 |
| Memoranda: | ||
| Average total assets | $253,837,000 | 2,513 |
| Average earning assets | $234,086,000 | 2,518 |
| Average equity | $24,335,000 | 2,763 |
| Average total loans | $117,734,000 | 3,146 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5185% | 4,739 |
| Cost of funding earning assets | 0.2357% | 4,692 |
| Net interest margin | 3.2828% | 4,196 |
| Noninterest income to average assets | 0.7455% | 1,969 |
| Noninterest expense to average assets | 2.5950% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8651% | 3,002 |
| Return on assets (ROA) | 0.8887% | 3,001 |
| Pretax return on assets | 1.2053% | 2,642 |
| Return on Equity (ROE) | 8.9207% | 2,459 |
| Retained earnings to average equity (ytd only) | 5.0941% | 2,288 |
| Net charge-offs to loans | 0.2282% | 1,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 10.6168% | 2,624 |
| Efficiency ratio | 68.8611% | 3,098 |
| Assets per employee ($millions) | 4.6957% | 2,796 |
| Cash dividends to net income (ytd only)* | 42.8961% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8494% | 874 |
| Loan loss allowance to noncurrent loans | 814.3911% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 4,588 |
| Noncurrent loans to loans | 0.2271% | 4,341 |
| Net loans and leases to total assets | 47.0627% | 4,951 |
| Net loans and leases to deposits | 53.8253% | 5,020 |
| Net loans and leases to core deposits | 58.5048% | 4,931 |
| Total domestic deposits to total assets | 87.4361% | 1,915 |
| Equity capital to assets | 9.5668% | 4,200 |
| Core capital (leverage) ratio | 10.6130% | 2,763 |
| Tier 1 risk-based capital ratio | 18.1440% | 1,819 |
| Total risk-based capital ratio | 19.3975% | 1,779 |
| Memoranda: | ||
| Average total assets | $247,902,000 | 2,525 |
| Average earning assets | $228,280,200 | 2,532 |
| Average equity | $24,695,400 | 2,748 |
| Average total loans | $120,088,800 | 3,068 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5395% | 4,711 |
| Cost of funding earning assets | 0.2361% | 4,740 |
| Net interest margin | 3.3035% | 4,174 |
| Noninterest income to average assets | 0.7510% | 1,960 |
| Noninterest expense to average assets | 2.6078% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8722% | 3,043 |
| Return on assets (ROA) | 0.9028% | 3,034 |
| Pretax return on assets | 1.2280% | 2,716 |
| Return on Equity (ROE) | 8.9736% | 2,505 |
| Retained earnings to average equity (ytd only) | 8.9736% | 827 |
| Net charge-offs to loans | 0.0842% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 29.0002% | 1,523 |
| Efficiency ratio | 68.7287% | 3,093 |
| Assets per employee ($millions) | 4.7967% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 726 |
| Loan loss allowance to noncurrent loans | 3,123.3766% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,982 |
| Noncurrent loans to loans | 0.0641% | 5,097 |
| Net loans and leases to total assets | 47.2194% | 5,010 |
| Net loans and leases to deposits | 54.7654% | 5,064 |
| Net loans and leases to core deposits | 59.5249% | 4,958 |
| Total domestic deposits to total assets | 86.2213% | 2,251 |
| Equity capital to assets | 10.4318% | 3,629 |
| Core capital (leverage) ratio | 10.6384% | 2,840 |
| Tier 1 risk-based capital ratio | 18.5786% | 1,772 |
| Total risk-based capital ratio | 19.8343% | 1,734 |
| Memoranda: | ||
| Average total assets | $247,659,500 | 2,536 |
| Average earning assets | $228,159,500 | 2,539 |
| Average equity | $24,917,000 | 2,750 |
| Average total loans | $120,277,750 | 3,068 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 4,712 |
| Cost of funding earning assets | 0.2361% | 4,790 |
| Net interest margin | 3.3225% | 4,151 |
| Noninterest income to average assets | 0.7156% | 2,065 |
| Noninterest expense to average assets | 2.6114% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8570% | 3,061 |
| Return on assets (ROA) | 0.8702% | 3,119 |
| Pretax return on assets | 1.1754% | 2,880 |
| Return on Equity (ROE) | 8.7579% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.7579% | 921 |
| Net charge-offs to loans | 0.0914% | 1,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,498 |
| Efficiency ratio | 69.2869% | 3,102 |
| Assets per employee ($millions) | 4.6806% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9973% | 740 |
| Loan loss allowance to noncurrent loans | 1,362.9213% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 4,402 |
| Noncurrent loans to loans | 0.1465% | 4,846 |
| Net loans and leases to total assets | 47.9865% | 4,996 |
| Net loans and leases to deposits | 55.7496% | 5,032 |
| Net loans and leases to core deposits | 60.3262% | 4,967 |
| Total domestic deposits to total assets | 86.0750% | 2,386 |
| Equity capital to assets | 10.2309% | 3,937 |
| Core capital (leverage) ratio | 10.4248% | 3,049 |
| Tier 1 risk-based capital ratio | 17.8125% | 1,987 |
| Total risk-based capital ratio | 19.0679% | 1,946 |
| Memoranda: | ||
| Average total assets | $247,069,670 | 2,558 |
| Average earning assets | $227,055,330 | 2,563 |
| Average equity | $24,549,330 | 2,786 |
| Average total loans | $120,309,000 | 3,074 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 4,660 |
| Cost of funding earning assets | 0.2371% | 4,836 |
| Net interest margin | 3.3499% | 4,041 |
| Noninterest income to average assets | 0.6927% | 2,074 |
| Noninterest expense to average assets | 2.5257% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9084% | 2,713 |
| Return on assets (ROA) | 0.9084% | 2,833 |
| Pretax return on assets | 1.2377% | 2,543 |
| Return on Equity (ROE) | 9.2322% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.2322% | 1,046 |
| Net charge-offs to loans | 0.0668% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 38.1500% | 1,038 |
| Efficiency ratio | 67.1121% | 3,613 |
| Assets per employee ($millions) | 4.7934% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0720% | 726 |
| Loan loss allowance to noncurrent loans | 1,482.5301% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,464 |
| Noncurrent loans to loans | 0.1398% | 4,919 |
| Net loans and leases to total assets | 46.6635% | 5,073 |
| Net loans and leases to deposits | 52.3610% | 5,203 |
| Net loans and leases to core deposits | 56.7749% | 5,099 |
| Total domestic deposits to total assets | 89.1189% | 1,042 |
| Equity capital to assets | 9.9456% | 4,151 |
| Core capital (leverage) ratio | 10.2811% | 3,225 |
| Tier 1 risk-based capital ratio | 17.5422% | 2,107 |
| Total risk-based capital ratio | 18.7983% | 2,078 |
| Memoranda: | ||
| Average total assets | $246,582,500 | 2,564 |
| Average earning assets | $226,038,000 | 2,579 |
| Average equity | $24,263,000 | 2,809 |
| Average total loans | $119,730,000 | 3,093 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 4,473 |
| Cost of funding earning assets | 0.2396% | 4,897 |
| Net interest margin | 3.4248% | 3,818 |
| Noninterest income to average assets | 0.6991% | 2,204 |
| Noninterest expense to average assets | 2.7130% | 3,533 |
| Loan and lease loss provision to assets | 0.0839% | 2,615 |
| Net operating income to assets | 0.7778% | 3,434 |
| Return on assets (ROA) | 0.7784% | 3,505 |
| Pretax return on assets | 1.0344% | 3,328 |
| Return on Equity (ROE) | 7.7932% | 3,079 |
| Retained earnings to average equity (ytd only) | 2.8946% | 3,997 |
| Net charge-offs to loans | 0.1130% | 2,247 |
| Credit loss provision to net charge-offs | 148.1481% | 1,794 |
| Earnings coverage of net charge-offs (x) | 19.7259% | 1,926 |
| Efficiency ratio | 70.8260% | 3,092 |
| Assets per employee ($millions) | 4.5168% | 3,019 |
| Cash dividends to net income (ytd only)* | 62.8571% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 733 |
| Loan loss allowance to noncurrent loans | 35,442.8571% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,603 |
| Noncurrent loans to loans | 0.0058% | 5,528 |
| Net loans and leases to total assets | 48.4634% | 4,976 |
| Net loans and leases to deposits | 55.9526% | 5,043 |
| Net loans and leases to core deposits | 61.1212% | 4,922 |
| Total domestic deposits to total assets | 86.6150% | 2,316 |
| Equity capital to assets | 9.7315% | 4,260 |
| Core capital (leverage) ratio | 10.2865% | 3,171 |
| Tier 1 risk-based capital ratio | 17.1903% | 2,222 |
| Total risk-based capital ratio | 18.4469% | 2,173 |
| Memoranda: | ||
| Average total assets | $238,298,800 | 2,593 |
| Average earning assets | $217,883,800 | 2,606 |
| Average equity | $23,802,800 | 2,799 |
| Average total loans | $119,444,200 | 3,057 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,553 |
| Cost of funding earning assets | 0.2442% | 4,942 |
| Net interest margin | 3.4126% | 3,902 |
| Noninterest income to average assets | 0.6956% | 2,239 |
| Noninterest expense to average assets | 2.7482% | 3,391 |
| Loan and lease loss provision to assets | 0.1013% | 2,158 |
| Net operating income to assets | 0.7383% | 3,733 |
| Return on assets (ROA) | 0.7379% | 3,834 |
| Pretax return on assets | 0.9675% | 3,753 |
| Return on Equity (ROE) | 7.3384% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.3384% | 1,528 |
| Net charge-offs to loans | 0.1712% | 1,451 |
| Credit loss provision to net charge-offs | 117.6471% | 2,022 |
| Earnings coverage of net charge-offs (x) | 12.4186% | 2,407 |
| Efficiency ratio | 71.9888% | 2,885 |
| Assets per employee ($millions) | 4.7280% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0503% | 845 |
| Loan loss allowance to noncurrent loans | 491.5493% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 3,971 |
| Noncurrent loans to loans | 0.4171% | 4,105 |
| Net loans and leases to total assets | 48.4006% | 5,052 |
| Net loans and leases to deposits | 56.0388% | 5,117 |
| Net loans and leases to core deposits | 61.3278% | 4,981 |
| Total domestic deposits to total assets | 86.3700% | 2,353 |
| Equity capital to assets | 10.2037% | 3,928 |
| Core capital (leverage) ratio | 10.5564% | 2,978 |
| Tier 1 risk-based capital ratio | 17.3764% | 2,223 |
| Total risk-based capital ratio | 18.6325% | 2,174 |
| Memoranda: | ||
| Average total assets | $236,896,500 | 2,616 |
| Average earning assets | $216,721,250 | 2,633 |
| Average equity | $23,819,500 | 2,823 |
| Average total loans | $119,133,500 | 3,089 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,560 |
| Cost of funding earning assets | 0.2462% | 4,980 |
| Net interest margin | 3.4079% | 3,886 |
| Noninterest income to average assets | 0.6973% | 2,225 |
| Noninterest expense to average assets | 2.7365% | 3,465 |
| Loan and lease loss provision to assets | 0.1019% | 2,135 |
| Net operating income to assets | 0.7423% | 3,673 |
| Return on assets (ROA) | 0.7423% | 3,775 |
| Pretax return on assets | 0.9742% | 3,681 |
| Return on Equity (ROE) | 7.4200% | 3,361 |
| Retained earnings to average equity (ytd only) | 7.4200% | 1,509 |
| Net charge-offs to loans | 0.2048% | 1,229 |
| Credit loss provision to net charge-offs | 98.3607% | 2,093 |
| Earnings coverage of net charge-offs (x) | 10.3852% | 2,366 |
| Efficiency ratio | 71.7755% | 3,030 |
| Assets per employee ($millions) | 4.4242% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 916 |
| Loan loss allowance to noncurrent loans | 1,010.0418% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 4,138 |
| Noncurrent loans to loans | 0.2026% | 4,958 |
| Net loans and leases to total assets | 48.3559% | 5,069 |
| Net loans and leases to deposits | 55.4023% | 5,163 |
| Net loans and leases to core deposits | 60.7667% | 5,027 |
| Total domestic deposits to total assets | 87.2813% | 2,022 |
| Equity capital to assets | 9.9306% | 4,114 |
| Core capital (leverage) ratio | 10.5118% | 2,939 |
| Tier 1 risk-based capital ratio | 17.3591% | 2,264 |
| Total risk-based capital ratio | 18.6141% | 2,227 |
| Memoranda: | ||
| Average total assets | $235,485,670 | 2,651 |
| Average earning assets | $215,264,000 | 2,666 |
| Average equity | $23,558,000 | 2,857 |
| Average total loans | $119,127,670 | 3,096 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6443% | 4,552 |
| Cost of funding earning assets | 0.2516% | 5,004 |
| Net interest margin | 3.3927% | 3,873 |
| Noninterest income to average assets | 0.6897% | 2,205 |
| Noninterest expense to average assets | 2.7758% | 3,326 |
| Loan and lease loss provision to assets | 0.1027% | 1,983 |
| Net operating income to assets | 0.6965% | 3,819 |
| Return on assets (ROA) | 0.6965% | 3,945 |
| Pretax return on assets | 0.9036% | 3,876 |
| Return on Equity (ROE) | 6.8369% | 3,590 |
| Retained earnings to average equity (ytd only) | 6.8369% | 2,083 |
| Net charge-offs to loans | -0.0067% | 4,580 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3937% | 2,927 |
| Assets per employee ($millions) | 4.6877% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 942 |
| Loan loss allowance to noncurrent loans | 354.5064% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6529% | 3,542 |
| Noncurrent loans to loans | 0.5887% | 3,814 |
| Net loans and leases to total assets | 48.6266% | 4,970 |
| Net loans and leases to deposits | 55.0652% | 5,120 |
| Net loans and leases to core deposits | 59.5340% | 5,027 |
| Total domestic deposits to total assets | 88.3072% | 1,654 |
| Equity capital to assets | 10.1196% | 3,985 |
| Core capital (leverage) ratio | 10.4514% | 3,030 |
| Tier 1 risk-based capital ratio | 16.8038% | 2,557 |
| Total risk-based capital ratio | 18.0597% | 2,512 |
| Memoranda: | ||
| Average total assets | $233,734,000 | 2,690 |
| Average earning assets | $213,044,500 | 2,701 |
| Average equity | $23,812,000 | 2,852 |
| Average total loans | $119,721,500 | 3,101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 4,119 |
| Cost of funding earning assets | 0.2564% | 5,258 |
| Net interest margin | 3.6454% | 3,231 |
| Noninterest income to average assets | 0.7258% | 2,185 |
| Noninterest expense to average assets | 3.0118% | 2,807 |
| Loan and lease loss provision to assets | 0.0523% | 3,507 |
| Net operating income to assets | 0.7403% | 3,680 |
| Return on assets (ROA) | 0.8286% | 3,321 |
| Pretax return on assets | 1.0624% | 3,245 |
| Return on Equity (ROE) | 8.8287% | 2,670 |
| Retained earnings to average equity (ytd only) | 3.3450% | 3,836 |
| Net charge-offs to loans | 0.0847% | 3,284 |
| Credit loss provision to net charge-offs | 118.8119% | 2,029 |
| Earnings coverage of net charge-offs (x) | 22.7723% | 1,612 |
| Efficiency ratio | 75.0461% | 2,660 |
| Assets per employee ($millions) | 4.5679% | 2,927 |
| Cash dividends to net income (ytd only)* | 62.1125% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 1,113 |
| Loan loss allowance to noncurrent loans | 373.9938% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 3,536 |
| Noncurrent loans to loans | 0.5352% | 4,055 |
| Net loans and leases to total assets | 51.7945% | 4,804 |
| Net loans and leases to deposits | 58.5330% | 5,025 |
| Net loans and leases to core deposits | 63.7438% | 4,851 |
| Total domestic deposits to total assets | 88.4876% | 1,531 |
| Equity capital to assets | 10.2589% | 3,777 |
| Core capital (leverage) ratio | 10.5726% | 2,876 |
| Tier 1 risk-based capital ratio | 16.5108% | 2,707 |
| Total risk-based capital ratio | 17.7657% | 2,659 |
| Memoranda: | ||
| Average total assets | $229,664,000 | 2,703 |
| Average earning assets | $207,112,800 | 2,735 |
| Average equity | $21,554,800 | 2,994 |
| Average total loans | $119,298,200 | 3,059 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 4,168 |
| Cost of funding earning assets | 0.2587% | 5,323 |
| Net interest margin | 3.6431% | 3,254 |
| Noninterest income to average assets | 0.7061% | 2,298 |
| Noninterest expense to average assets | 2.8889% | 3,164 |
| Loan and lease loss provision to assets | 0.1044% | 2,296 |
| Net operating income to assets | 0.7539% | 3,650 |
| Return on assets (ROA) | 0.8261% | 3,397 |
| Pretax return on assets | 1.0899% | 3,231 |
| Return on Equity (ROE) | 9.0106% | 2,678 |
| Retained earnings to average equity (ytd only) | 9.0106% | 999 |
| Net charge-offs to loans | 0.0919% | 2,895 |
| Credit loss provision to net charge-offs | 219.5122% | 1,177 |
| Earnings coverage of net charge-offs (x) | 23.1221% | 1,603 |
| Efficiency ratio | 72.4379% | 3,099 |
| Assets per employee ($millions) | 4.6567% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 1,180 |
| Loan loss allowance to noncurrent loans | 512.3203% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 4,219 |
| Noncurrent loans to loans | 0.3987% | 4,713 |
| Net loans and leases to total assets | 52.4397% | 4,755 |
| Net loans and leases to deposits | 61.3091% | 4,814 |
| Net loans and leases to core deposits | 65.8458% | 4,726 |
| Total domestic deposits to total assets | 85.5334% | 3,101 |
| Equity capital to assets | 9.6647% | 4,592 |
| Core capital (leverage) ratio | 9.9173% | 3,788 |
| Tier 1 risk-based capital ratio | 15.4896% | 3,330 |
| Total risk-based capital ratio | 16.7455% | 3,263 |
| Memoranda: | ||
| Average total assets | $229,980,750 | 2,719 |
| Average earning assets | $207,180,000 | 2,753 |
| Average equity | $21,085,750 | 3,054 |
| Average total loans | $118,944,500 | 3,079 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 4,338 |
| Cost of funding earning assets | 0.2622% | 5,365 |
| Net interest margin | 3.5879% | 3,412 |
| Noninterest income to average assets | 0.6982% | 2,287 |
| Noninterest expense to average assets | 2.9343% | 3,051 |
| Loan and lease loss provision to assets | 0.1041% | 2,285 |
| Net operating income to assets | 0.6842% | 3,923 |
| Return on assets (ROA) | 0.7503% | 3,673 |
| Pretax return on assets | 0.9741% | 3,595 |
| Return on Equity (ROE) | 8.3320% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.3320% | 1,196 |
| Net charge-offs to loans | -0.0187% | 5,522 |
| Credit loss provision to net charge-offs | -1,090.9091% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7294% | 2,853 |
| Assets per employee ($millions) | 4.3450% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 1,107 |
| Loan loss allowance to noncurrent loans | 300.9524% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 4,397 |
| Noncurrent loans to loans | 0.7104% | 3,932 |
| Net loans and leases to total assets | 50.2508% | 4,934 |
| Net loans and leases to deposits | 57.5485% | 5,079 |
| Net loans and leases to core deposits | 61.6599% | 4,994 |
| Total domestic deposits to total assets | 87.3191% | 2,292 |
| Equity capital to assets | 9.3329% | 4,946 |
| Core capital (leverage) ratio | 9.6724% | 4,081 |
| Tier 1 risk-based capital ratio | 15.2658% | 3,485 |
| Total risk-based capital ratio | 16.5216% | 3,431 |
| Memoranda: | ||
| Average total assets | $230,581,000 | 2,722 |
| Average earning assets | $207,474,000 | 2,760 |
| Average equity | $20,763,330 | 3,090 |
| Average total loans | $117,875,330 | 3,103 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 4,377 |
| Cost of funding earning assets | 0.2592% | 5,503 |
| Net interest margin | 3.5671% | 3,403 |
| Noninterest income to average assets | 0.7143% | 2,103 |
| Noninterest expense to average assets | 2.8553% | 3,358 |
| Loan and lease loss provision to assets | 0.1040% | 2,187 |
| Net operating income to assets | 0.7385% | 3,494 |
| Return on assets (ROA) | 0.7385% | 3,574 |
| Pretax return on assets | 0.9518% | 3,504 |
| Return on Equity (ROE) | 8.3534% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.3534% | 1,469 |
| Net charge-offs to loans | 0.0034% | 3,606 |
| Credit loss provision to net charge-offs | 6,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 609.0000% | 55 |
| Efficiency ratio | 73.0053% | 3,310 |
| Assets per employee ($millions) | 4.3764% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 1,266 |
| Loan loss allowance to noncurrent loans | 225.9430% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 3,721 |
| Noncurrent loans to loans | 0.9440% | 3,529 |
| Net loans and leases to total assets | 48.5846% | 5,052 |
| Net loans and leases to deposits | 53.7830% | 5,310 |
| Net loans and leases to core deposits | 57.8789% | 5,210 |
| Total domestic deposits to total assets | 90.3346% | 899 |
| Equity capital to assets | 8.9584% | 5,158 |
| Core capital (leverage) ratio | 9.4340% | 4,370 |
| Tier 1 risk-based capital ratio | 15.2192% | 3,601 |
| Total risk-based capital ratio | 16.4747% | 3,551 |
| Memoranda: | ||
| Average total assets | $230,730,000 | 2,738 |
| Average earning assets | $206,776,500 | 2,782 |
| Average equity | $20,399,000 | 3,125 |
| Average total loans | $117,689,500 | 3,120 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 3,571 |
| Cost of funding earning assets | 0.3553% | 5,088 |
| Net interest margin | 3.7865% | 2,702 |
| Noninterest income to average assets | 0.7586% | 2,259 |
| Noninterest expense to average assets | 2.9242% | 3,299 |
| Loan and lease loss provision to assets | 0.1662% | 2,201 |
| Net operating income to assets | 0.8012% | 3,288 |
| Return on assets (ROA) | 0.8012% | 3,389 |
| Pretax return on assets | 1.0635% | 3,097 |
| Return on Equity (ROE) | 9.1808% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.3927% | 2,351 |
| Net charge-offs to loans | 0.4341% | 1,530 |
| Credit loss provision to net charge-offs | 69.1882% | 3,328 |
| Earnings coverage of net charge-offs (x) | 5.1199% | 3,377 |
| Efficiency ratio | 70.3968% | 3,771 |
| Assets per employee ($millions) | 4.2502% | 3,356 |
| Cash dividends to net income (ytd only)* | 41.2611% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 1,567 |
| Loan loss allowance to noncurrent loans | 248.9097% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7782% | 3,946 |
| Noncurrent loans to loans | 0.8010% | 3,976 |
| Net loans and leases to total assets | 51.3416% | 4,936 |
| Net loans and leases to deposits | 59.3016% | 5,001 |
| Net loans and leases to core deposits | 63.8767% | 4,877 |
| Total domestic deposits to total assets | 86.5771% | 2,953 |
| Equity capital to assets | 8.7225% | 5,342 |
| Core capital (leverage) ratio | 9.3962% | 4,418 |
| Tier 1 risk-based capital ratio | 14.5109% | 3,947 |
| Total risk-based capital ratio | 15.7652% | 3,880 |
| Memoranda: | ||
| Average total assets | $225,666,400 | 2,761 |
| Average earning assets | $202,349,800 | 2,804 |
| Average equity | $19,693,200 | 3,190 |
| Average total loans | $124,859,400 | 2,943 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,451 |
| Cost of funding earning assets | 0.3821% | 4,976 |
| Net interest margin | 3.8001% | 2,638 |
| Noninterest income to average assets | 0.7500% | 2,369 |
| Noninterest expense to average assets | 2.9163% | 3,246 |
| Loan and lease loss provision to assets | 0.1869% | 1,954 |
| Net operating income to assets | 0.7998% | 3,344 |
| Return on assets (ROA) | 0.7998% | 3,478 |
| Pretax return on assets | 1.0514% | 3,293 |
| Return on Equity (ROE) | 9.1644% | 2,563 |
| Retained earnings to average equity (ytd only) | 9.1644% | 1,014 |
| Net charge-offs to loans | 0.0942% | 3,624 |
| Credit loss provision to net charge-offs | 353.9326% | 740 |
| Earnings coverage of net charge-offs (x) | 23.4502% | 1,464 |
| Efficiency ratio | 70.1942% | 3,728 |
| Assets per employee ($millions) | 4.0540% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,266 |
| Loan loss allowance to noncurrent loans | 574.0741% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 4,696 |
| Noncurrent loans to loans | 0.3905% | 5,222 |
| Net loans and leases to total assets | 54.5693% | 4,523 |
| Net loans and leases to deposits | 60.6692% | 4,905 |
| Net loans and leases to core deposits | 65.2680% | 4,776 |
| Total domestic deposits to total assets | 89.9456% | 1,031 |
| Equity capital to assets | 8.9040% | 5,297 |
| Core capital (leverage) ratio | 9.5370% | 4,352 |
| Tier 1 risk-based capital ratio | 14.4716% | 4,088 |
| Total risk-based capital ratio | 15.7294% | 4,036 |
| Memoranda: | ||
| Average total assets | $224,705,500 | 2,791 |
| Average earning assets | $201,322,750 | 2,834 |
| Average equity | $19,611,750 | 3,227 |
| Average total loans | $126,016,500 | 2,941 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1240% | 3,644 |
| Cost of funding earning assets | 0.4163% | 4,793 |
| Net interest margin | 3.7077% | 2,932 |
| Noninterest income to average assets | 0.7333% | 2,483 |
| Noninterest expense to average assets | 2.8826% | 3,390 |
| Loan and lease loss provision to assets | 0.2264% | 1,669 |
| Net operating income to assets | 0.7306% | 3,669 |
| Return on assets (ROA) | 0.7306% | 3,831 |
| Pretax return on assets | 0.9455% | 3,730 |
| Return on Equity (ROE) | 8.4275% | 2,887 |
| Retained earnings to average equity (ytd only) | 8.4275% | 1,320 |
| Net charge-offs to loans | 0.1106% | 3,252 |
| Credit loss provision to net charge-offs | 364.2857% | 715 |
| Earnings coverage of net charge-offs (x) | 18.8571% | 1,537 |
| Efficiency ratio | 71.0970% | 3,629 |
| Assets per employee ($millions) | 4.0814% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 1,486 |
| Loan loss allowance to noncurrent loans | 742.9730% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 4,943 |
| Noncurrent loans to loans | 0.2919% | 5,568 |
| Net loans and leases to total assets | 54.2503% | 4,553 |
| Net loans and leases to deposits | 61.2372% | 4,831 |
| Net loans and leases to core deposits | 66.1257% | 4,674 |
| Total domestic deposits to total assets | 88.5904% | 1,857 |
| Equity capital to assets | 8.3763% | 5,888 |
| Core capital (leverage) ratio | 9.2164% | 4,671 |
| Tier 1 risk-based capital ratio | 13.9064% | 4,484 |
| Total risk-based capital ratio | 15.1631% | 4,450 |
| Memoranda: | ||
| Average total assets | $225,284,670 | 2,789 |
| Average earning assets | $201,796,670 | 2,846 |
| Average equity | $19,531,330 | 3,257 |
| Average total loans | $126,534,670 | 2,948 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 3,642 |
| Cost of funding earning assets | 0.4635% | 4,445 |
| Net interest margin | 3.6577% | 3,047 |
| Noninterest income to average assets | 0.7512% | 2,334 |
| Noninterest expense to average assets | 2.9046% | 3,324 |
| Loan and lease loss provision to assets | 0.3488% | 942 |
| Net operating income to assets | 0.6260% | 4,097 |
| Return on assets (ROA) | 0.6260% | 4,250 |
| Pretax return on assets | 0.7726% | 4,285 |
| Return on Equity (ROE) | 7.0978% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.0978% | 2,108 |
| Net charge-offs to loans | 0.1107% | 2,768 |
| Credit loss provision to net charge-offs | 557.1429% | 483 |
| Earnings coverage of net charge-offs (x) | 17.9143% | 1,286 |
| Efficiency ratio | 72.1457% | 3,586 |
| Assets per employee ($millions) | 4.3655% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,593 |
| Loan loss allowance to noncurrent loans | 923.7288% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.5126% | 5,101 |
| Noncurrent loans to loans | 0.2376% | 5,820 |
| Net loans and leases to total assets | 52.4847% | 4,626 |
| Net loans and leases to deposits | 58.1429% | 5,011 |
| Net loans and leases to core deposits | 63.3201% | 4,812 |
| Total domestic deposits to total assets | 90.2686% | 895 |
| Equity capital to assets | 8.5934% | 5,924 |
| Core capital (leverage) ratio | 9.1288% | 4,672 |
| Tier 1 risk-based capital ratio | 13.7898% | 4,658 |
| Total risk-based capital ratio | 15.0470% | 4,615 |
| Memoranda: | ||
| Average total assets | $223,646,500 | 2,837 |
| Average earning assets | $200,234,000 | 2,900 |
| Average equity | $19,724,500 | 3,277 |
| Average total loans | $126,430,000 | 2,958 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 2,570 |
| Cost of funding earning assets | 0.5713% | 4,624 |
| Net interest margin | 4.1345% | 1,871 |
| Noninterest income to average assets | 0.8101% | 2,217 |
| Noninterest expense to average assets | 3.2468% | 2,476 |
| Loan and lease loss provision to assets | 0.4081% | 1,585 |
| Net operating income to assets | 0.6203% | 4,145 |
| Return on assets (ROA) | 0.7053% | 3,966 |
| Pretax return on assets | 0.9035% | 3,907 |
| Return on Equity (ROE) | 7.6979% | 3,232 |
| Retained earnings to average equity (ytd only) | 4.4952% | 3,070 |
| Net charge-offs to loans | 0.3884% | 2,700 |
| Credit loss provision to net charge-offs | 171.6270% | 1,535 |
| Earnings coverage of net charge-offs (x) | 5.0575% | 3,160 |
| Efficiency ratio | 72.9721% | 3,246 |
| Assets per employee ($millions) | 3.9258% | 4,086 |
| Cash dividends to net income (ytd only)* | 41.6054% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 2,034 |
| Loan loss allowance to noncurrent loans | 716.2011% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 4,948 |
| Noncurrent loans to loans | 0.2782% | 5,788 |
| Net loans and leases to total assets | 58.4177% | 3,893 |
| Net loans and leases to deposits | 65.2957% | 4,385 |
| Net loans and leases to core deposits | 71.0004% | 4,168 |
| Total domestic deposits to total assets | 89.4664% | 1,265 |
| Equity capital to assets | 9.0617% | 5,451 |
| Core capital (leverage) ratio | 9.4028% | 4,252 |
| Tier 1 risk-based capital ratio | 13.5332% | 4,728 |
| Total risk-based capital ratio | 14.7890% | 4,675 |
| Memoranda: | ||
| Average total assets | $211,961,800 | 2,905 |
| Average earning assets | $186,576,400 | 3,007 |
| Average equity | $19,420,800 | 3,273 |
| Average total loans | $129,773,400 | 2,890 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,507 |
| Cost of funding earning assets | 0.5978% | 4,676 |
| Net interest margin | 4.1725% | 1,820 |
| Noninterest income to average assets | 0.7887% | 2,286 |
| Noninterest expense to average assets | 3.2572% | 2,402 |
| Loan and lease loss provision to assets | 0.4234% | 1,503 |
| Net operating income to assets | 0.6057% | 4,369 |
| Return on assets (ROA) | 0.6661% | 4,330 |
| Pretax return on assets | 0.8456% | 4,319 |
| Return on Equity (ROE) | 7.2496% | 3,666 |
| Retained earnings to average equity (ytd only) | 7.2496% | 1,977 |
| Net charge-offs to loans | 0.4675% | 2,233 |
| Credit loss provision to net charge-offs | 146.9298% | 1,937 |
| Earnings coverage of net charge-offs (x) | 4.1382% | 3,388 |
| Efficiency ratio | 73.1998% | 3,119 |
| Assets per employee ($millions) | 3.7422% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 2,552 |
| Loan loss allowance to noncurrent loans | 184.0823% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 4,130 |
| Noncurrent loans to loans | 1.0200% | 4,411 |
| Net loans and leases to total assets | 58.1937% | 4,104 |
| Net loans and leases to deposits | 66.3192% | 4,431 |
| Net loans and leases to core deposits | 72.3988% | 4,200 |
| Total domestic deposits to total assets | 87.7478% | 2,199 |
| Equity capital to assets | 9.2782% | 5,495 |
| Core capital (leverage) ratio | 9.6444% | 4,054 |
| Tier 1 risk-based capital ratio | 13.6571% | 4,779 |
| Total risk-based capital ratio | 14.9119% | 4,730 |
| Memoranda: | ||
| Average total assets | $210,972,500 | 2,946 |
| Average earning assets | $185,112,000 | 3,053 |
| Average equity | $19,384,500 | 3,305 |
| Average total loans | $130,042,000 | 2,915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8508% | 2,301 |
| Cost of funding earning assets | 0.6318% | 4,610 |
| Net interest margin | 4.2190% | 1,701 |
| Noninterest income to average assets | 0.8299% | 2,057 |
| Noninterest expense to average assets | 3.3913% | 2,051 |
| Loan and lease loss provision to assets | 0.3589% | 1,845 |
| Net operating income to assets | 0.5962% | 4,382 |
| Return on assets (ROA) | 0.6853% | 4,206 |
| Pretax return on assets | 0.8902% | 4,116 |
| Return on Equity (ROE) | 7.4843% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.4843% | 1,882 |
| Net charge-offs to loans | 0.2866% | 2,889 |
| Credit loss provision to net charge-offs | 200.5348% | 1,418 |
| Earnings coverage of net charge-offs (x) | 6.3316% | 2,656 |
| Efficiency ratio | 74.9524% | 2,902 |
| Assets per employee ($millions) | 3.5708% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 2,709 |
| Loan loss allowance to noncurrent loans | 520.9150% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 4,683 |
| Noncurrent loans to loans | 0.3547% | 5,837 |
| Net loans and leases to total assets | 60.2805% | 3,771 |
| Net loans and leases to deposits | 67.3265% | 4,315 |
| Net loans and leases to core deposits | 73.5701% | 4,084 |
| Total domestic deposits to total assets | 89.5346% | 1,204 |
| Equity capital to assets | 9.2982% | 5,320 |
| Core capital (leverage) ratio | 9.5865% | 4,023 |
| Tier 1 risk-based capital ratio | 13.7811% | 4,609 |
| Total risk-based capital ratio | 15.0357% | 4,576 |
| Memoranda: | ||
| Average total assets | $208,948,000 | 2,977 |
| Average earning assets | $182,979,670 | 3,086 |
| Average equity | $19,133,330 | 3,335 |
| Average total loans | $130,481,330 | 2,919 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 2,240 |
| Cost of funding earning assets | 0.6616% | 4,621 |
| Net interest margin | 4.2393% | 1,640 |
| Noninterest income to average assets | 0.8400% | 1,980 |
| Noninterest expense to average assets | 3.3506% | 2,145 |
| Loan and lease loss provision to assets | 0.3460% | 1,807 |
| Net operating income to assets | 0.6690% | 4,035 |
| Return on assets (ROA) | 0.6690% | 4,249 |
| Pretax return on assets | 0.8631% | 4,178 |
| Return on Equity (ROE) | 7.3629% | 3,577 |
| Retained earnings to average equity (ytd only) | 7.3629% | 2,249 |
| Net charge-offs to loans | 0.0855% | 3,652 |
| Credit loss provision to net charge-offs | 642.8571% | 533 |
| Earnings coverage of net charge-offs (x) | 22.4643% | 1,126 |
| Efficiency ratio | 73.4823% | 3,182 |
| Assets per employee ($millions) | 3.2604% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 2,942 |
| Loan loss allowance to noncurrent loans | 498.9407% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.6246% | 5,330 |
| Noncurrent loans to loans | 0.3636% | 5,945 |
| Net loans and leases to total assets | 59.2249% | 3,818 |
| Net loans and leases to deposits | 65.7916% | 4,409 |
| Net loans and leases to core deposits | 71.6822% | 4,199 |
| Total domestic deposits to total assets | 90.0188% | 1,077 |
| Equity capital to assets | 8.8496% | 5,695 |
| Core capital (leverage) ratio | 9.3521% | 4,278 |
| Tier 1 risk-based capital ratio | 13.3061% | 4,971 |
| Total risk-based capital ratio | 14.5603% | 4,964 |
| Memoranda: | ||
| Average total assets | $208,084,500 | 3,011 |
| Average earning assets | $182,577,000 | 3,116 |
| Average equity | $18,905,500 | 3,365 |
| Average total loans | $131,028,500 | 2,926 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 1,897 |
| Cost of funding earning assets | 0.8155% | 4,742 |
| Net interest margin | 4.4291% | 1,311 |
| Noninterest income to average assets | 0.8832% | 1,732 |
| Noninterest expense to average assets | 3.4165% | 2,200 |
| Loan and lease loss provision to assets | 0.3019% | 3,256 |
| Net operating income to assets | 0.7891% | 3,088 |
| Return on assets (ROA) | 0.8239% | 3,101 |
| Pretax return on assets | 1.1086% | 2,807 |
| Return on Equity (ROE) | 8.8393% | 2,527 |
| Retained earnings to average equity (ytd only) | 3.9385% | 3,395 |
| Net charge-offs to loans | 0.3970% | 3,429 |
| Credit loss provision to net charge-offs | 113.6531% | 2,886 |
| Earnings coverage of net charge-offs (x) | 5.1328% | 2,886 |
| Efficiency ratio | 71.4754% | 3,696 |
| Assets per employee ($millions) | 3.5890% | 4,797 |
| Cash dividends to net income (ytd only)* | 55.4432% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 3,318 |
| Loan loss allowance to noncurrent loans | 276.0652% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 4,907 |
| Noncurrent loans to loans | 0.6034% | 5,509 |
| Net loans and leases to total assets | 64.7096% | 3,042 |
| Net loans and leases to deposits | 72.8213% | 3,692 |
| Net loans and leases to core deposits | 79.3266% | 3,531 |
| Total domestic deposits to total assets | 88.8608% | 1,625 |
| Equity capital to assets | 9.3381% | 5,104 |
| Core capital (leverage) ratio | 9.6412% | 3,814 |
| Tier 1 risk-based capital ratio | 13.2167% | 4,900 |
| Total risk-based capital ratio | 14.4698% | 4,880 |
| Memoranda: | ||
| Average total assets | $204,037,600 | 3,008 |
| Average earning assets | $179,515,800 | 3,094 |
| Average equity | $19,017,400 | 3,278 |
| Average total loans | $136,531,400 | 2,869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 2,061 |
| Cost of funding earning assets | 0.8518% | 4,758 |
| Net interest margin | 4.3887% | 1,439 |
| Noninterest income to average assets | 0.8743% | 1,742 |
| Noninterest expense to average assets | 3.4270% | 2,120 |
| Loan and lease loss provision to assets | 0.2936% | 3,175 |
| Net operating income to assets | 0.7752% | 3,279 |
| Return on assets (ROA) | 0.8040% | 3,306 |
| Pretax return on assets | 1.0729% | 3,119 |
| Return on Equity (ROE) | 8.6302% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.6302% | 1,271 |
| Net charge-offs to loans | 0.3546% | 3,320 |
| Credit loss provision to net charge-offs | 123.2240% | 2,618 |
| Earnings coverage of net charge-offs (x) | 5.5737% | 2,747 |
| Efficiency ratio | 72.0701% | 3,540 |
| Assets per employee ($millions) | 3.5324% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 3,704 |
| Loan loss allowance to noncurrent loans | 153.8568% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2851% | 4,243 |
| Noncurrent loans to loans | 1.0349% | 4,826 |
| Net loans and leases to total assets | 66.7858% | 2,719 |
| Net loans and leases to deposits | 78.7006% | 2,858 |
| Net loans and leases to core deposits | 86.0492% | 2,763 |
| Total domestic deposits to total assets | 84.8606% | 3,838 |
| Equity capital to assets | 9.8300% | 4,583 |
| Core capital (leverage) ratio | 9.7972% | 3,712 |
| Tier 1 risk-based capital ratio | 12.9651% | 5,120 |
| Total risk-based capital ratio | 14.2176% | 5,091 |
| Memoranda: | ||
| Average total assets | $204,801,000 | 3,023 |
| Average earning assets | $181,098,500 | 3,096 |
| Average equity | $19,079,750 | 3,274 |
| Average total loans | $137,599,500 | 2,866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2278% | 2,157 |
| Cost of funding earning assets | 0.8937% | 4,723 |
| Net interest margin | 4.3340% | 1,554 |
| Noninterest income to average assets | 0.8741% | 1,735 |
| Noninterest expense to average assets | 3.4145% | 2,221 |
| Loan and lease loss provision to assets | 0.2930% | 3,055 |
| Net operating income to assets | 0.7525% | 3,276 |
| Return on assets (ROA) | 0.7716% | 3,327 |
| Pretax return on assets | 1.0285% | 3,124 |
| Return on Equity (ROE) | 8.4373% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.4373% | 1,287 |
| Net charge-offs to loans | 0.2057% | 3,923 |
| Credit loss provision to net charge-offs | 212.7660% | 1,414 |
| Earnings coverage of net charge-offs (x) | 9.4113% | 1,928 |
| Efficiency ratio | 72.4860% | 3,636 |
| Assets per employee ($millions) | 3.5670% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 3,431 |
| Loan loss allowance to noncurrent loans | 167.7419% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0879% | 4,711 |
| Noncurrent loans to loans | 0.9937% | 5,005 |
| Net loans and leases to total assets | 66.3898% | 2,948 |
| Net loans and leases to deposits | 76.4075% | 3,394 |
| Net loans and leases to core deposits | 83.6051% | 3,271 |
| Total domestic deposits to total assets | 86.8891% | 2,803 |
| Equity capital to assets | 9.5136% | 4,798 |
| Core capital (leverage) ratio | 9.5037% | 3,953 |
| Tier 1 risk-based capital ratio | 12.7523% | 5,126 |
| Total risk-based capital ratio | 14.0054% | 5,097 |
| Memoranda: | ||
| Average total assets | $204,774,000 | 3,042 |
| Average earning assets | $181,262,330 | 3,112 |
| Average equity | $18,726,330 | 3,299 |
| Average total loans | $137,117,330 | 2,912 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 2,293 |
| Cost of funding earning assets | 0.9548% | 4,532 |
| Net interest margin | 4.2271% | 1,814 |
| Noninterest income to average assets | 0.8448% | 1,867 |
| Noninterest expense to average assets | 3.3479% | 2,409 |
| Loan and lease loss provision to assets | 0.2920% | 2,822 |
| Net operating income to assets | 0.7158% | 3,446 |
| Return on assets (ROA) | 0.7202% | 3,496 |
| Pretax return on assets | 0.9421% | 3,351 |
| Return on Equity (ROE) | 8.0356% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.0356% | 1,716 |
| Net charge-offs to loans | 0.1343% | 3,711 |
| Credit loss provision to net charge-offs | 326.0870% | 998 |
| Earnings coverage of net charge-offs (x) | 13.7174% | 1,415 |
| Efficiency ratio | 73.1604% | 3,654 |
| Assets per employee ($millions) | 3.7262% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6658% | 3,463 |
| Loan loss allowance to noncurrent loans | 202.7223% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9752% | 4,948 |
| Noncurrent loans to loans | 0.8217% | 5,389 |
| Net loans and leases to total assets | 63.1981% | 3,603 |
| Net loans and leases to deposits | 70.7997% | 4,224 |
| Net loans and leases to core deposits | 77.4248% | 4,100 |
| Total domestic deposits to total assets | 89.2632% | 1,604 |
| Equity capital to assets | 8.9401% | 5,296 |
| Core capital (leverage) ratio | 9.1026% | 4,444 |
| Tier 1 risk-based capital ratio | 12.4961% | 5,272 |
| Total risk-based capital ratio | 13.7490% | 5,244 |
| Memoranda: | ||
| Average total assets | $205,501,500 | 3,041 |
| Average earning assets | $181,401,000 | 3,123 |
| Average equity | $18,418,000 | 3,338 |
| Average total loans | $137,040,500 | 2,945 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5876% | 1,944 |
| Cost of funding earning assets | 1.2545% | 4,188 |
| Net interest margin | 4.3331% | 1,702 |
| Noninterest income to average assets | 0.7160% | 2,748 |
| Noninterest expense to average assets | 3.2499% | 2,914 |
| Loan and lease loss provision to assets | 0.3783% | 3,850 |
| Net operating income to assets | 0.7056% | 3,209 |
| Return on assets (ROA) | 0.7993% | 2,935 |
| Pretax return on assets | 1.0387% | 2,816 |
| Return on Equity (ROE) | 9.3175% | 2,169 |
| Retained earnings to average equity (ytd only) | 5.4710% | 2,134 |
| Net charge-offs to loans | 0.1291% | 5,607 |
| Credit loss provision to net charge-offs | 422.4599% | 559 |
| Earnings coverage of net charge-offs (x) | 14.4652% | 1,339 |
| Efficiency ratio | 71.4993% | 3,891 |
| Assets per employee ($millions) | 3.4886% | 4,957 |
| Cash dividends to net income (ytd only)* | 41.2822% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,893 |
| Loan loss allowance to noncurrent loans | 220.3934% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.9573% | 5,098 |
| Noncurrent loans to loans | 0.6901% | 5,664 |
| Net loans and leases to total assets | 68.1264% | 2,957 |
| Net loans and leases to deposits | 78.0593% | 3,500 |
| Net loans and leases to core deposits | 84.7625% | 3,486 |
| Total domestic deposits to total assets | 87.2752% | 2,684 |
| Equity capital to assets | 8.9855% | 5,164 |
| Core capital (leverage) ratio | 9.1328% | 4,297 |
| Tier 1 risk-based capital ratio | 12.0613% | 5,415 |
| Total risk-based capital ratio | 13.3127% | 5,400 |
| Memoranda: | ||
| Average total assets | $208,809,400 | 2,992 |
| Average earning assets | $184,534,600 | 3,070 |
| Average equity | $17,912,600 | 3,441 |
| Average total loans | $144,900,400 | 2,855 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 2,004 |
| Cost of funding earning assets | 1.3123% | 4,143 |
| Net interest margin | 4.3052% | 1,834 |
| Noninterest income to average assets | 0.8484% | 2,003 |
| Noninterest expense to average assets | 3.4475% | 2,167 |
| Loan and lease loss provision to assets | 0.4055% | 3,469 |
| Net operating income to assets | 0.6285% | 3,758 |
| Return on assets (ROA) | 0.7046% | 3,548 |
| Pretax return on assets | 0.8896% | 3,595 |
| Return on Equity (ROE) | 8.3081% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.3081% | 1,313 |
| Net charge-offs to loans | 0.0639% | 5,877 |
| Credit loss provision to net charge-offs | 914.2857% | 319 |
| Earnings coverage of net charge-offs (x) | 27.0288% | 944 |
| Efficiency ratio | 74.1988% | 3,290 |
| Assets per employee ($millions) | 3.4601% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 4,218 |
| Loan loss allowance to noncurrent loans | 108.7137% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 4,563 |
| Noncurrent loans to loans | 1.3317% | 4,634 |
| Net loans and leases to total assets | 68.7252% | 3,049 |
| Net loans and leases to deposits | 81.8257% | 3,140 |
| Net loans and leases to core deposits | 88.7786% | 3,268 |
| Total domestic deposits to total assets | 83.9898% | 4,135 |
| Equity capital to assets | 8.9906% | 5,597 |
| Core capital (leverage) ratio | 9.0271% | 4,651 |
| Tier 1 risk-based capital ratio | 11.7913% | 5,649 |
| Total risk-based capital ratio | 13.0424% | 5,631 |
| Memoranda: | ||
| Average total assets | $210,427,500 | 3,028 |
| Average earning assets | $185,630,750 | 3,102 |
| Average equity | $17,845,500 | 3,493 |
| Average total loans | $146,132,000 | 2,871 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5972% | 2,144 |
| Cost of funding earning assets | 1.3709% | 4,055 |
| Net interest margin | 4.2263% | 2,064 |
| Noninterest income to average assets | 0.8119% | 2,060 |
| Noninterest expense to average assets | 3.3837% | 2,306 |
| Loan and lease loss provision to assets | 0.4636% | 3,000 |
| Net operating income to assets | 0.5501% | 4,095 |
| Return on assets (ROA) | 0.6652% | 3,703 |
| Pretax return on assets | 0.8365% | 3,756 |
| Return on Equity (ROE) | 8.0012% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.0012% | 1,438 |
| Net charge-offs to loans | 0.1078% | 5,083 |
| Credit loss provision to net charge-offs | 620.2532% | 591 |
| Earnings coverage of net charge-offs (x) | 15.4684% | 1,455 |
| Efficiency ratio | 74.5311% | 3,360 |
| Assets per employee ($millions) | 3.6840% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,764 |
| Loan loss allowance to noncurrent loans | 122.4399% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1920% | 4,755 |
| Noncurrent loans to loans | 1.0873% | 5,148 |
| Net loans and leases to total assets | 68.3685% | 3,273 |
| Net loans and leases to deposits | 79.9222% | 3,612 |
| Net loans and leases to core deposits | 87.6663% | 3,588 |
| Total domestic deposits to total assets | 85.5439% | 3,347 |
| Equity capital to assets | 8.5739% | 6,054 |
| Core capital (leverage) ratio | 8.7103% | 5,057 |
| Tier 1 risk-based capital ratio | 11.4703% | 5,799 |
| Total risk-based capital ratio | 12.6789% | 5,809 |
| Memoranda: | ||
| Average total assets | $211,368,330 | 3,037 |
| Average earning assets | $186,449,330 | 3,111 |
| Average equity | $17,572,330 | 3,535 |
| Average total loans | $146,585,000 | 2,890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 2,156 |
| Cost of funding earning assets | 1.4116% | 4,105 |
| Net interest margin | 4.1874% | 2,095 |
| Noninterest income to average assets | 0.8262% | 1,901 |
| Noninterest expense to average assets | 3.3142% | 2,485 |
| Loan and lease loss provision to assets | 0.5659% | 2,231 |
| Net operating income to assets | 0.4898% | 4,441 |
| Return on assets (ROA) | 0.7074% | 3,518 |
| Pretax return on assets | 0.8979% | 3,479 |
| Return on Equity (ROE) | 8.6423% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.6423% | 1,493 |
| Net charge-offs to loans | -0.0326% | 7,216 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6070% | 3,636 |
| Assets per employee ($millions) | 3.7021% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 5,117 |
| Loan loss allowance to noncurrent loans | 144.3833% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0373% | 5,073 |
| Noncurrent loans to loans | 0.8766% | 5,560 |
| Net loans and leases to total assets | 67.9493% | 3,400 |
| Net loans and leases to deposits | 79.8485% | 3,686 |
| Net loans and leases to core deposits | 87.6599% | 3,661 |
| Total domestic deposits to total assets | 85.0978% | 3,613 |
| Equity capital to assets | 8.3015% | 6,298 |
| Core capital (leverage) ratio | 8.5771% | 5,244 |
| Tier 1 risk-based capital ratio | 11.2520% | 5,901 |
| Total risk-based capital ratio | 12.3974% | 5,974 |
| Memoranda: | ||
| Average total assets | $212,059,000 | 3,080 |
| Average earning assets | $186,177,500 | 3,174 |
| Average equity | $17,356,500 | 3,590 |
| Average total loans | $147,126,500 | 2,941 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9410% | 2,084 |
| Cost of funding earning assets | 1.8692% | 3,625 |
| Net interest margin | 4.0718% | 2,562 |
| Noninterest income to average assets | 0.8766% | 2,041 |
| Noninterest expense to average assets | 3.3276% | 2,920 |
| Loan and lease loss provision to assets | 0.6117% | 3,351 |
| Net operating income to assets | 0.4010% | 4,126 |
| Return on assets (ROA) | 0.5597% | 3,568 |
| Pretax return on assets | 0.7195% | 3,509 |
| Return on Equity (ROE) | 6.9121% | 2,822 |
| Retained earnings to average equity (ytd only) | 0.8452% | 4,426 |
| Net charge-offs to loans | 0.9228% | 2,542 |
| Credit loss provision to net charge-offs | 93.0813% | 5,892 |
| Earnings coverage of net charge-offs (x) | 1.7161% | 4,454 |
| Efficiency ratio | 74.6870% | 3,762 |
| Assets per employee ($millions) | 3.7385% | 4,427 |
| Cash dividends to net income (ytd only)* | 87.7722% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 6,246 |
| Loan loss allowance to noncurrent loans | 88.4638% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.2539% | 4,583 |
| Noncurrent loans to loans | 1.1575% | 5,012 |
| Net loans and leases to total assets | 69.2181% | 3,429 |
| Net loans and leases to deposits | 85.9242% | 2,924 |
| Net loans and leases to core deposits | 117.6986% | 2,161 |
| Total domestic deposits to total assets | 80.5571% | 5,486 |
| Equity capital to assets | 8.0691% | 6,505 |
| Core capital (leverage) ratio | 8.3767% | 5,483 |
| Tier 1 risk-based capital ratio | 10.8842% | 6,026 |
| Total risk-based capital ratio | 11.8237% | 6,306 |
| Memoranda: | ||
| Average total assets | $213,335,400 | 3,029 |
| Average earning assets | $187,510,800 | 3,120 |
| Average equity | $17,274,000 | 3,620 |
| Average total loans | $151,933,600 | 2,889 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9741% | 2,135 |
| Cost of funding earning assets | 1.9566% | 3,585 |
| Net interest margin | 4.0175% | 2,734 |
| Noninterest income to average assets | 0.8510% | 2,194 |
| Noninterest expense to average assets | 3.2933% | 2,943 |
| Loan and lease loss provision to assets | 0.3130% | 4,469 |
| Net operating income to assets | 0.5995% | 3,605 |
| Return on assets (ROA) | 0.6548% | 3,442 |
| Pretax return on assets | 0.8535% | 3,368 |
| Return on Equity (ROE) | 8.0798% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.0798% | 1,115 |
| Net charge-offs to loans | 0.2847% | 4,250 |
| Credit loss provision to net charge-offs | 153.6810% | 3,112 |
| Earnings coverage of net charge-offs (x) | 5.3742% | 2,838 |
| Efficiency ratio | 75.0534% | 3,681 |
| Assets per employee ($millions) | 3.6911% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 5,300 |
| Loan loss allowance to noncurrent loans | 149.5840% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 5,537 |
| Noncurrent loans to loans | 0.7821% | 5,735 |
| Net loans and leases to total assets | 72.1969% | 2,991 |
| Net loans and leases to deposits | 88.4247% | 2,882 |
| Net loans and leases to core deposits | 122.1551% | 2,056 |
| Total domestic deposits to total assets | 81.6479% | 4,820 |
| Equity capital to assets | 8.5727% | 6,149 |
| Core capital (leverage) ratio | 8.6470% | 5,230 |
| Tier 1 risk-based capital ratio | 11.4110% | 5,518 |
| Total risk-based capital ratio | 12.5150% | 5,618 |
| Memoranda: | ||
| Average total assets | $213,395,250 | 3,047 |
| Average earning assets | $187,871,750 | 3,139 |
| Average equity | $17,293,750 | 3,646 |
| Average total loans | $152,660,250 | 2,904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9557% | 2,358 |
| Cost of funding earning assets | 2.0474% | 3,532 |
| Net interest margin | 3.9083% | 3,077 |
| Noninterest income to average assets | 0.8853% | 2,037 |
| Noninterest expense to average assets | 3.2622% | 3,110 |
| Loan and lease loss provision to assets | 0.3274% | 3,976 |
| Net operating income to assets | 0.5516% | 3,872 |
| Return on assets (ROA) | 0.5868% | 3,842 |
| Pretax return on assets | 0.7621% | 3,796 |
| Return on Equity (ROE) | 7.3799% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.3799% | 1,439 |
| Net charge-offs to loans | 0.1917% | 4,344 |
| Credit loss provision to net charge-offs | 240.4110% | 1,936 |
| Earnings coverage of net charge-offs (x) | 7.6644% | 2,408 |
| Efficiency ratio | 75.7582% | 3,736 |
| Assets per employee ($millions) | 3.5185% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 4,999 |
| Loan loss allowance to noncurrent loans | 139.7858% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 5,136 |
| Noncurrent loans to loans | 0.8533% | 5,518 |
| Net loans and leases to total assets | 70.5140% | 3,582 |
| Net loans and leases to deposits | 86.1614% | 3,526 |
| Net loans and leases to core deposits | 118.1755% | 2,537 |
| Total domestic deposits to total assets | 81.8395% | 4,757 |
| Equity capital to assets | 8.0520% | 6,688 |
| Core capital (leverage) ratio | 7.9884% | 6,353 |
| Tier 1 risk-based capital ratio | 10.3159% | 6,575 |
| Total risk-based capital ratio | 11.4238% | 6,676 |
| Memoranda: | ||
| Average total assets | $214,397,000 | 3,049 |
| Average earning assets | $187,652,000 | 3,172 |
| Average equity | $17,046,330 | 3,704 |
| Average total loans | $152,316,000 | 2,938 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9439% | 2,591 |
| Cost of funding earning assets | 2.1107% | 3,602 |
| Net interest margin | 3.8332% | 3,324 |
| Noninterest income to average assets | 0.8400% | 2,125 |
| Noninterest expense to average assets | 3.1025% | 3,369 |
| Loan and lease loss provision to assets | 0.3752% | 3,079 |
| Net operating income to assets | 0.5250% | 4,318 |
| Return on assets (ROA) | 0.5936% | 4,238 |
| Pretax return on assets | 0.7896% | 4,111 |
| Return on Equity (ROE) | 7.5140% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.5140% | 2,018 |
| Net charge-offs to loans | 0.3318% | 2,772 |
| Credit loss provision to net charge-offs | 159.5238% | 2,654 |
| Earnings coverage of net charge-offs (x) | 4.5635% | 2,859 |
| Efficiency ratio | 74.2959% | 3,773 |
| Assets per employee ($millions) | 3.4318% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,337 |
| Loan loss allowance to noncurrent loans | 139.0663% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 5,046 |
| Noncurrent loans to loans | 0.8042% | 5,426 |
| Net loans and leases to total assets | 68.3513% | 4,057 |
| Net loans and leases to deposits | 80.9680% | 4,457 |
| Net loans and leases to core deposits | 109.5229% | 3,496 |
| Total domestic deposits to total assets | 84.4176% | 3,505 |
| Equity capital to assets | 7.7812% | 7,092 |
| Core capital (leverage) ratio | 7.7833% | 6,768 |
| Tier 1 risk-based capital ratio | 9.9087% | 7,027 |
| Total risk-based capital ratio | 10.9173% | 7,204 |
| Memoranda: | ||
| Average total assets | $214,280,000 | 3,063 |
| Average earning assets | $186,476,000 | 3,202 |
| Average equity | $16,928,500 | 3,744 |
| Average total loans | $151,888,000 | 2,975 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4505% | 3,185 |
| Cost of funding earning assets | 2.7230% | 3,047 |
| Net interest margin | 3.7276% | 4,345 |
| Noninterest income to average assets | 0.8435% | 2,273 |
| Noninterest expense to average assets | 3.2323% | 3,220 |
| Loan and lease loss provision to assets | 0.2097% | 4,796 |
| Net operating income to assets | 0.5539% | 4,512 |
| Return on assets (ROA) | 0.5497% | 4,381 |
| Pretax return on assets | 0.7208% | 4,335 |
| Return on Equity (ROE) | 6.7517% | 3,647 |
| Retained earnings to average equity (ytd only) | 1.5080% | 4,323 |
| Net charge-offs to loans | 0.1193% | 5,061 |
| Credit loss provision to net charge-offs | 251.9553% | 1,843 |
| Earnings coverage of net charge-offs (x) | 11.2458% | 2,393 |
| Efficiency ratio | 77.5435% | 2,987 |
| Assets per employee ($millions) | 3.4250% | 4,866 |
| Cash dividends to net income (ytd only)* | 77.6650% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,496 |
| Loan loss allowance to noncurrent loans | 113.2589% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 4,656 |
| Noncurrent loans to loans | 0.9430% | 4,721 |
| Net loans and leases to total assets | 71.9548% | 3,599 |
| Net loans and leases to deposits | 87.9156% | 3,817 |
| Net loans and leases to core deposits | 123.1218% | 2,387 |
| Total domestic deposits to total assets | 81.8453% | 4,262 |
| Equity capital to assets | 8.0253% | 6,809 |
| Core capital (leverage) ratio | 7.7946% | 6,810 |
| Tier 1 risk-based capital ratio | 10.1884% | 6,530 |
| Total risk-based capital ratio | 11.1977% | 6,687 |
| Memoranda: | ||
| Average total assets | $215,045,200 | 2,941 |
| Average earning assets | $191,814,000 | 3,011 |
| Average equity | $17,506,600 | 3,644 |
| Average total loans | $150,043,600 | 2,932 |