Home > First Southern State Bank > Performance and Condition Ratios
First Southern State Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0721% | 2,643 |
| Cost of funding earning assets | 1.8461% | 2,376 |
| Net interest margin | 3.2261% | 2,509 |
| Noninterest income to average assets | 0.5600% | 1,518 |
| Noninterest expense to average assets | 2.2486% | 2,941 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.0301% | 1,856 |
| Return on assets (ROA) | 1.0301% | 1,860 |
| Pretax return on assets | 1.2750% | 1,695 |
| Return on Equity (ROE) | 15.2000% | 960 |
| Retained earnings to average equity (ytd only) | 9.3778% | 1,231 |
| Net charge-offs to loans | 0.0169% | 1,519 |
| Credit loss provision to net charge-offs | 315.7895% | 642 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 559 |
| Efficiency ratio | 62.8240% | 2,932 |
| Assets per employee ($millions) | 6.2574% | 2,629 |
| Cash dividends to net income (ytd only)* | 38.2905% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,239 |
| Loan loss allowance to noncurrent loans | 1,454.5455% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 3,356 |
| Noncurrent loans to loans | 0.0831% | 3,204 |
| Net loans and leases to total assets | 56.3800% | 3,163 |
| Net loans and leases to deposits | 60.8722% | 3,465 |
| Net loans and leases to core deposits | 72.1648% | 3,207 |
| Total domestic deposits to total assets | 92.6300% | 226 |
| Equity capital to assets | 6.7037% | 4,020 |
| Core capital (leverage) ratio | 9.7865% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $785,905,500 | 1,230 |
| Average earning assets | $729,554,000 | 1,235 |
| Average equity | $53,275,000 | 1,609 |
| Average total loans | $448,927,500 | 1,402 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 2,691 |
| Cost of funding earning assets | 1.3221% | 2,452 |
| Net interest margin | 3.3741% | 2,462 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.1883% | 3,159 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1759% | 1,702 |
| Return on assets (ROA) | 1.1732% | 1,682 |
| Pretax return on assets | 1.4876% | 1,450 |
| Return on Equity (ROE) | 19.2300% | 688 |
| Retained earnings to average equity (ytd only) | 11.9211% | 642 |
| Net charge-offs to loans | 0.0498% | 1,367 |
| Credit loss provision to net charge-offs | 20.9302% | 2,304 |
| Earnings coverage of net charge-offs (x) | 54.3860% | 1,243 |
| Efficiency ratio | 58.5927% | 3,233 |
| Assets per employee ($millions) | 6.0260% | 2,798 |
| Cash dividends to net income (ytd only)* | 38.0218% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,268 |
| Loan loss allowance to noncurrent loans | 1,026.4259% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,122 |
| Noncurrent loans to loans | 0.1174% | 2,935 |
| Net loans and leases to total assets | 56.4800% | 3,157 |
| Net loans and leases to deposits | 61.0212% | 3,471 |
| Net loans and leases to core deposits | 72.0100% | 3,189 |
| Total domestic deposits to total assets | 92.5600% | 221 |
| Equity capital to assets | 6.8544% | 3,992 |
| Core capital (leverage) ratio | 9.6872% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $767,796,400 | 1,218 |
| Average earning assets | $713,498,000 | 1,208 |
| Average equity | $46,832,800 | 1,686 |
| Average total loans | $431,665,200 | 1,390 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 2,667 |
| Cost of funding earning assets | 1.2334% | 2,320 |
| Net interest margin | 3.3705% | 2,521 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.1784% | 3,136 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.1779% | 1,855 |
| Return on assets (ROA) | 1.1743% | 1,853 |
| Pretax return on assets | 1.4890% | 1,579 |
| Return on Equity (ROE) | 19.8800% | 735 |
| Retained earnings to average equity (ytd only) | 12.7901% | 847 |
| Net charge-offs to loans | 0.0184% | 1,763 |
| Credit loss provision to net charge-offs | -25.4237% | 4,490 |
| Earnings coverage of net charge-offs (x) | 148.1695% | 732 |
| Efficiency ratio | 58.4554% | 3,148 |
| Assets per employee ($millions) | 5.9839% | 2,774 |
| Cash dividends to net income (ytd only)* | 35.6718% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,036 |
| Loan loss allowance to noncurrent loans | 2,604.2654% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,530 |
| Noncurrent loans to loans | 0.0485% | 3,409 |
| Net loans and leases to total assets | 56.0600% | 3,196 |
| Net loans and leases to deposits | 59.7165% | 3,520 |
| Net loans and leases to core deposits | 69.0543% | 3,265 |
| Total domestic deposits to total assets | 93.8700% | 194 |
| Equity capital to assets | 5.4278% | 4,157 |
| Core capital (leverage) ratio | 9.4722% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $763,900,000 | 1,221 |
| Average earning assets | $710,097,000 | 1,214 |
| Average equity | $45,117,000 | 1,715 |
| Average total loans | $427,616,000 | 1,393 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 2,683 |
| Cost of funding earning assets | 1.1414% | 2,161 |
| Net interest margin | 3.3438% | 2,659 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.1428% | 3,236 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1906% | 1,852 |
| Return on assets (ROA) | 1.1852% | 1,864 |
| Pretax return on assets | 1.4981% | 1,601 |
| Return on Equity (ROE) | 19.5400% | 761 |
| Retained earnings to average equity (ytd only) | 12.1949% | 949 |
| Net charge-offs to loans | 0.0042% | 2,150 |
| Credit loss provision to net charge-offs | -833.3333% | 4,613 |
| Earnings coverage of net charge-offs (x) | 652.0000% | 222 |
| Efficiency ratio | 57.8996% | 3,201 |
| Assets per employee ($millions) | 6.3283% | 2,449 |
| Cash dividends to net income (ytd only)* | 37.5857% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,036 |
| Loan loss allowance to noncurrent loans | 5,485.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,716 |
| Noncurrent loans to loans | 0.0233% | 3,593 |
| Net loans and leases to total assets | 54.9900% | 3,192 |
| Net loans and leases to deposits | 58.9156% | 3,486 |
| Net loans and leases to core deposits | 67.5992% | 3,254 |
| Total domestic deposits to total assets | 93.3400% | 202 |
| Equity capital to assets | 6.0299% | 4,141 |
| Core capital (leverage) ratio | 9.4838% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $763,220,000 | 1,220 |
| Average earning assets | $710,680,000 | 1,215 |
| Average equity | $46,298,000 | 1,687 |
| Average total loans | $425,203,000 | 1,389 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,703 |
| Cost of funding earning assets | 0.9861% | 2,093 |
| Net interest margin | 3.3540% | 2,742 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.1676% | 3,197 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.1010% | 2,222 |
| Return on assets (ROA) | 1.0901% | 2,227 |
| Pretax return on assets | 1.4201% | 1,837 |
| Return on Equity (ROE) | 17.9200% | 1,042 |
| Retained earnings to average equity (ytd only) | 11.8519% | 1,297 |
| Net charge-offs to loans | -0.0123% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0870% | 3,065 |
| Assets per employee ($millions) | 6.2648% | 2,533 |
| Cash dividends to net income (ytd only)* | 33.8491% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,155 |
| Loan loss allowance to noncurrent loans | 6,846.2500% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 3,758 |
| Noncurrent loans to loans | 0.0186% | 3,652 |
| Net loans and leases to total assets | 55.4800% | 3,071 |
| Net loans and leases to deposits | 59.6476% | 3,352 |
| Net loans and leases to core deposits | 68.2385% | 3,077 |
| Total domestic deposits to total assets | 93.0100% | 308 |
| Equity capital to assets | 6.3628% | 4,074 |
| Core capital (leverage) ratio | 9.4169% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $758,805,000 | 1,241 |
| Average earning assets | $707,446,000 | 1,231 |
| Average equity | $46,170,000 | 1,707 |
| Average total loans | $422,771,000 | 1,411 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 2,330 |
| Cost of funding earning assets | 0.4383% | 1,801 |
| Net interest margin | 3.3421% | 2,445 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.0786% | 3,355 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.1858% | 1,829 |
| Return on assets (ROA) | 1.1871% | 1,759 |
| Pretax return on assets | 1.5069% | 1,435 |
| Return on Equity (ROE) | 17.2200% | 828 |
| Retained earnings to average equity (ytd only) | 11.4583% | 793 |
| Net charge-offs to loans | 0.0840% | 826 |
| Credit loss provision to net charge-offs | 192.0635% | 1,151 |
| Earnings coverage of net charge-offs (x) | 37.5714% | 1,541 |
| Efficiency ratio | 56.3858% | 3,538 |
| Assets per employee ($millions) | 6.1244% | 2,656 |
| Cash dividends to net income (ytd only)* | 33.4463% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 1,727 |
| Loan loss allowance to noncurrent loans | 1,517.4387% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,318 |
| Noncurrent loans to loans | 0.0882% | 3,126 |
| Net loans and leases to total assets | 54.4900% | 3,150 |
| Net loans and leases to deposits | 58.1064% | 3,449 |
| Net loans and leases to core deposits | 62.2752% | 3,377 |
| Total domestic deposits to total assets | 93.7800% | 269 |
| Equity capital to assets | 5.8023% | 4,155 |
| Core capital (leverage) ratio | 9.2745% | 3,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $746,013,800 | 1,247 |
| Average earning assets | $698,370,800 | 1,235 |
| Average equity | $51,438,600 | 1,578 |
| Average total loans | $375,215,800 | 1,477 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 2,160 |
| Cost of funding earning assets | 0.3979% | 1,303 |
| Net interest margin | 3.2637% | 2,406 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.0496% | 3,351 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1679% | 1,826 |
| Return on assets (ROA) | 1.1710% | 1,783 |
| Pretax return on assets | 1.4883% | 1,445 |
| Return on Equity (ROE) | 16.3300% | 915 |
| Retained earnings to average equity (ytd only) | 12.8931% | 629 |
| Net charge-offs to loans | 0.1118% | 564 |
| Credit loss provision to net charge-offs | 112.7451% | 1,254 |
| Earnings coverage of net charge-offs (x) | 28.2026% | 1,551 |
| Efficiency ratio | 56.6667% | 3,554 |
| Assets per employee ($millions) | 5.9718% | 2,790 |
| Cash dividends to net income (ytd only)* | 21.0373% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 1,779 |
| Loan loss allowance to noncurrent loans | 1,057.2565% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,183 |
| Noncurrent loans to loans | 0.1282% | 2,994 |
| Net loans and leases to total assets | 51.8300% | 3,292 |
| Net loans and leases to deposits | 54.9821% | 3,550 |
| Net loans and leases to core deposits | 58.0008% | 3,502 |
| Total domestic deposits to total assets | 94.2700% | 321 |
| Equity capital to assets | 5.2436% | 4,213 |
| Core capital (leverage) ratio | 9.2847% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $744,190,750 | 1,264 |
| Average earning assets | $697,306,000 | 1,248 |
| Average equity | $53,371,000 | 1,553 |
| Average total loans | $365,006,250 | 1,495 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5331% | 2,031 |
| Cost of funding earning assets | 0.3981% | 931 |
| Net interest margin | 3.1350% | 2,423 |
| Noninterest income to average assets | 0.5354% | 2,015 |
| Noninterest expense to average assets | 2.0241% | 3,373 |
| Loan and lease loss provision to assets | 0.0404% | 1,860 |
| Net operating income to assets | 1.1129% | 1,728 |
| Return on assets (ROA) | 1.1175% | 1,688 |
| Pretax return on assets | 1.4196% | 1,384 |
| Return on Equity (ROE) | 14.2960% | 1,045 |
| Retained earnings to average equity (ytd only) | 9.5640% | 1,127 |
| Net charge-offs to loans | 0.0354% | 1,029 |
| Credit loss provision to net charge-offs | 238.0952% | 892 |
| Earnings coverage of net charge-offs (x) | 85.7937% | 894 |
| Efficiency ratio | 57.8467% | 3,581 |
| Assets per employee ($millions) | 6.0402% | 2,703 |
| Cash dividends to net income (ytd only)* | 33.1006% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,660 |
| Loan loss allowance to noncurrent loans | 1,507.3034% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,509 |
| Noncurrent loans to loans | 0.0944% | 3,298 |
| Net loans and leases to total assets | 50.0433% | 3,376 |
| Net loans and leases to deposits | 53.4808% | 3,567 |
| Net loans and leases to core deposits | 56.2950% | 3,543 |
| Total domestic deposits to total assets | 93.5725% | 373 |
| Equity capital to assets | 5.9887% | 4,204 |
| Core capital (leverage) ratio | 9.0295% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $743,428,000 | 1,264 |
| Average earning assets | $697,861,333 | 1,250 |
| Average equity | $58,114,000 | 1,478 |
| Average total loans | $355,937,333 | 1,514 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4237% | 2,022 |
| Cost of funding earning assets | 0.4046% | 844 |
| Net interest margin | 3.0191% | 2,440 |
| Noninterest income to average assets | 0.5040% | 2,121 |
| Noninterest expense to average assets | 2.0143% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0484% | 1,697 |
| Return on assets (ROA) | 1.0569% | 1,658 |
| Pretax return on assets | 1.3420% | 1,404 |
| Return on Equity (ROE) | 12.1064% | 1,274 |
| Retained earnings to average equity (ytd only) | 8.7178% | 1,362 |
| Net charge-offs to loans | 0.0440% | 846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 65.1316% | 824 |
| Efficiency ratio | 59.8553% | 3,496 |
| Assets per employee ($millions) | 5.9315% | 2,865 |
| Cash dividends to net income (ytd only)* | 27.9898% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,567 |
| Loan loss allowance to noncurrent loans | 1,573.5736% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 3,589 |
| Noncurrent loans to loans | 0.0948% | 3,368 |
| Net loans and leases to total assets | 46.6544% | 3,520 |
| Net loans and leases to deposits | 50.8020% | 3,662 |
| Net loans and leases to core deposits | 53.6551% | 3,619 |
| Total domestic deposits to total assets | 91.8357% | 641 |
| Equity capital to assets | 7.7752% | 3,748 |
| Core capital (leverage) ratio | 9.0852% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $743,669,000 | 1,268 |
| Average earning assets | $699,948,500 | 1,257 |
| Average equity | $64,924,500 | 1,407 |
| Average total loans | $345,325,500 | 1,530 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 673 |
| Cost of funding earning assets | 0.4740% | 1,040 |
| Net interest margin | 3.9595% | 771 |
| Noninterest income to average assets | 0.5302% | 2,440 |
| Noninterest expense to average assets | 2.0904% | 3,411 |
| Loan and lease loss provision to assets | 0.1360% | 896 |
| Net operating income to assets | 1.5169% | 979 |
| Return on assets (ROA) | 1.5207% | 1,009 |
| Pretax return on assets | 1.9344% | 679 |
| Return on Equity (ROE) | 15.4576% | 848 |
| Retained earnings to average equity (ytd only) | 11.8410% | 553 |
| Net charge-offs to loans | 0.0304% | 1,632 |
| Credit loss provision to net charge-offs | 910.3774% | 563 |
| Earnings coverage of net charge-offs (x) | 138.2925% | 715 |
| Efficiency ratio | 49.9932% | 4,281 |
| Assets per employee ($millions) | 5.8732% | 2,887 |
| Cash dividends to net income (ytd only)* | 23.3970% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 1,371 |
| Loan loss allowance to noncurrent loans | 1,075.1527% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,507 |
| Noncurrent loans to loans | 0.1446% | 3,216 |
| Net loans and leases to total assets | 44.8074% | 3,779 |
| Net loans and leases to deposits | 49.8059% | 3,902 |
| Net loans and leases to core deposits | 52.8346% | 3,837 |
| Total domestic deposits to total assets | 89.9641% | 981 |
| Equity capital to assets | 9.6797% | 2,962 |
| Core capital (leverage) ratio | 9.0513% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $709,670,400 | 1,276 |
| Average earning assets | $649,852,600 | 1,291 |
| Average equity | $69,816,800 | 1,351 |
| Average total loans | $348,863,200 | 1,522 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 582 |
| Cost of funding earning assets | 0.4862% | 1,126 |
| Net interest margin | 4.1052% | 648 |
| Noninterest income to average assets | 0.5317% | 2,491 |
| Noninterest expense to average assets | 2.0536% | 3,508 |
| Loan and lease loss provision to assets | 0.1609% | 684 |
| Net operating income to assets | 1.5985% | 1,037 |
| Return on assets (ROA) | 1.6035% | 1,066 |
| Pretax return on assets | 2.0530% | 730 |
| Return on Equity (ROE) | 16.2298% | 902 |
| Retained earnings to average equity (ytd only) | 13.2924% | 597 |
| Net charge-offs to loans | 0.0243% | 1,554 |
| Credit loss provision to net charge-offs | 1,320.3125% | 441 |
| Earnings coverage of net charge-offs (x) | 181.2500% | 596 |
| Efficiency ratio | 47.8942% | 4,371 |
| Assets per employee ($millions) | 5.8423% | 2,840 |
| Cash dividends to net income (ytd only)* | 18.0987% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,545 |
| Loan loss allowance to noncurrent loans | 837.5201% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,544 |
| Noncurrent loans to loans | 0.1818% | 3,220 |
| Net loans and leases to total assets | 44.9841% | 3,870 |
| Net loans and leases to deposits | 50.2074% | 4,001 |
| Net loans and leases to core deposits | 53.3591% | 3,960 |
| Total domestic deposits to total assets | 89.5966% | 968 |
| Equity capital to assets | 9.8045% | 3,099 |
| Core capital (leverage) ratio | 9.0758% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $700,612,750 | 1,305 |
| Average earning assets | $636,477,250 | 1,321 |
| Average equity | $69,220,750 | 1,377 |
| Average total loans | $351,204,500 | 1,542 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1116% | 1,321 |
| Cost of funding earning assets | 0.4995% | 1,205 |
| Net interest margin | 3.6120% | 1,564 |
| Noninterest income to average assets | 0.5467% | 2,420 |
| Noninterest expense to average assets | 2.0640% | 3,507 |
| Loan and lease loss provision to assets | 0.1279% | 981 |
| Net operating income to assets | 1.2658% | 1,972 |
| Return on assets (ROA) | 1.2735% | 2,016 |
| Pretax return on assets | 1.5994% | 1,735 |
| Return on Equity (ROE) | 12.8539% | 1,769 |
| Retained earnings to average equity (ytd only) | 9.2433% | 1,637 |
| Net charge-offs to loans | 0.0090% | 1,801 |
| Credit loss provision to net charge-offs | 2,737.5000% | 221 |
| Earnings coverage of net charge-offs (x) | 367.6250% | 326 |
| Efficiency ratio | 54.2317% | 3,770 |
| Assets per employee ($millions) | 5.7501% | 2,849 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,196 |
| Loan loss allowance to noncurrent loans | 1,050.3254% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,790 |
| Noncurrent loans to loans | 0.1284% | 3,546 |
| Net loans and leases to total assets | 49.6823% | 3,585 |
| Net loans and leases to deposits | 55.2941% | 3,767 |
| Net loans and leases to core deposits | 58.9003% | 3,691 |
| Total domestic deposits to total assets | 89.8509% | 842 |
| Equity capital to assets | 9.6651% | 3,183 |
| Core capital (leverage) ratio | 8.7557% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $684,880,000 | 1,319 |
| Average earning assets | $613,393,333 | 1,358 |
| Average equity | $67,854,667 | 1,389 |
| Average total loans | $354,407,000 | 1,543 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 1,420 |
| Cost of funding earning assets | 0.5141% | 1,309 |
| Net interest margin | 3.5736% | 1,650 |
| Noninterest income to average assets | 0.5283% | 2,488 |
| Noninterest expense to average assets | 2.0465% | 3,572 |
| Loan and lease loss provision to assets | 0.1073% | 1,282 |
| Net operating income to assets | 1.1864% | 2,206 |
| Return on assets (ROA) | 1.1902% | 2,256 |
| Pretax return on assets | 1.4961% | 2,002 |
| Return on Equity (ROE) | 11.8588% | 2,067 |
| Retained earnings to average equity (ytd only) | 11.8588% | 1,183 |
| Net charge-offs to loans | 0.0670% | 873 |
| Credit loss provision to net charge-offs | 305.0847% | 746 |
| Earnings coverage of net charge-offs (x) | 45.4407% | 937 |
| Efficiency ratio | 55.7828% | 3,569 |
| Assets per employee ($millions) | 5.8208% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,584 |
| Loan loss allowance to noncurrent loans | 1,110.2689% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0586% | 3,961 |
| Noncurrent loans to loans | 0.1140% | 3,734 |
| Net loans and leases to total assets | 50.7196% | 3,560 |
| Net loans and leases to deposits | 56.4050% | 3,763 |
| Net loans and leases to core deposits | 59.8557% | 3,710 |
| Total domestic deposits to total assets | 89.9203% | 859 |
| Equity capital to assets | 9.5509% | 3,150 |
| Core capital (leverage) ratio | 9.2452% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $670,814,500 | 1,329 |
| Average earning assets | $585,061,000 | 1,394 |
| Average equity | $67,325,500 | 1,392 |
| Average total loans | $352,069,500 | 1,558 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,205 |
| Cost of funding earning assets | 0.7011% | 1,712 |
| Net interest margin | 3.8420% | 1,387 |
| Noninterest income to average assets | 0.5376% | 2,476 |
| Noninterest expense to average assets | 2.3528% | 3,264 |
| Loan and lease loss provision to assets | 0.1973% | 1,979 |
| Net operating income to assets | 1.1033% | 1,917 |
| Return on assets (ROA) | 1.1573% | 1,816 |
| Pretax return on assets | 1.4476% | 1,521 |
| Return on Equity (ROE) | 10.6718% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.3942% | 1,239 |
| Net charge-offs to loans | 0.0823% | 1,648 |
| Credit loss provision to net charge-offs | 416.6667% | 1,393 |
| Earnings coverage of net charge-offs (x) | 33.3156% | 1,525 |
| Efficiency ratio | 59.5138% | 3,516 |
| Assets per employee ($millions) | 5.4045% | 2,949 |
| Cash dividends to net income (ytd only)* | 30.7123% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,514 |
| Loan loss allowance to noncurrent loans | 1,088.6700% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,004 |
| Noncurrent loans to loans | 0.1176% | 3,813 |
| Net loans and leases to total assets | 53.0067% | 3,579 |
| Net loans and leases to deposits | 59.7917% | 3,780 |
| Net loans and leases to core deposits | 64.0671% | 3,685 |
| Total domestic deposits to total assets | 88.6524% | 1,143 |
| Equity capital to assets | 10.5637% | 2,615 |
| Core capital (leverage) ratio | 9.5577% | 3,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $595,600,000 | 1,341 |
| Average earning assets | $525,922,600 | 1,400 |
| Average equity | $64,591,000 | 1,377 |
| Average total loans | $342,468,000 | 1,528 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,581 |
| Cost of funding earning assets | 0.7448% | 1,777 |
| Net interest margin | 3.7514% | 1,760 |
| Noninterest income to average assets | 0.5247% | 2,503 |
| Noninterest expense to average assets | 2.4450% | 3,007 |
| Loan and lease loss provision to assets | 0.1816% | 2,164 |
| Net operating income to assets | 1.0014% | 2,334 |
| Return on assets (ROA) | 1.0708% | 2,210 |
| Pretax return on assets | 1.3212% | 1,974 |
| Return on Equity (ROE) | 9.8041% | 2,091 |
| Retained earnings to average equity (ytd only) | 6.3179% | 1,967 |
| Net charge-offs to loans | 0.0460% | 1,960 |
| Credit loss provision to net charge-offs | 673.7288% | 1,095 |
| Earnings coverage of net charge-offs (x) | 52.5763% | 1,162 |
| Efficiency ratio | 62.9524% | 2,922 |
| Assets per employee ($millions) | 5.2211% | 2,994 |
| Cash dividends to net income (ytd only)* | 35.5589% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 2,815 |
| Loan loss allowance to noncurrent loans | 600.5714% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 3,832 |
| Noncurrent loans to loans | 0.1955% | 3,610 |
| Net loans and leases to total assets | 57.9148% | 3,426 |
| Net loans and leases to deposits | 65.6059% | 3,648 |
| Net loans and leases to core deposits | 69.5551% | 3,653 |
| Total domestic deposits to total assets | 88.2768% | 1,073 |
| Equity capital to assets | 10.8170% | 2,540 |
| Core capital (leverage) ratio | 9.4984% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $583,715,250 | 1,341 |
| Average earning assets | $519,300,500 | 1,397 |
| Average equity | $63,754,000 | 1,376 |
| Average total loans | $341,753,250 | 1,520 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,775 |
| Cost of funding earning assets | 0.7828% | 1,916 |
| Net interest margin | 3.7708% | 1,916 |
| Noninterest income to average assets | 0.5019% | 2,555 |
| Noninterest expense to average assets | 2.5970% | 2,675 |
| Loan and lease loss provision to assets | 0.1305% | 2,715 |
| Net operating income to assets | 0.9390% | 2,544 |
| Return on assets (ROA) | 0.9769% | 2,537 |
| Pretax return on assets | 1.1903% | 2,394 |
| Return on Equity (ROE) | 8.9140% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.7958% | 1,741 |
| Net charge-offs to loans | 0.0339% | 2,056 |
| Credit loss provision to net charge-offs | 657.8947% | 1,041 |
| Earnings coverage of net charge-offs (x) | 64.2456% | 924 |
| Efficiency ratio | 66.7476% | 2,411 |
| Assets per employee ($millions) | 5.0238% | 3,148 |
| Cash dividends to net income (ytd only)* | 23.7620% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,224 |
| Loan loss allowance to noncurrent loans | 696.5580% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 3,932 |
| Noncurrent loans to loans | 0.1539% | 3,843 |
| Net loans and leases to total assets | 58.3789% | 3,481 |
| Net loans and leases to deposits | 66.1112% | 3,710 |
| Net loans and leases to core deposits | 69.8499% | 3,720 |
| Total domestic deposits to total assets | 88.3042% | 1,039 |
| Equity capital to assets | 10.6910% | 2,582 |
| Core capital (leverage) ratio | 9.5729% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $574,665,333 | 1,340 |
| Average earning assets | $513,525,667 | 1,394 |
| Average equity | $62,979,667 | 1,380 |
| Average total loans | $336,342,667 | 1,527 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 1,821 |
| Cost of funding earning assets | 0.8285% | 2,233 |
| Net interest margin | 3.8305% | 1,872 |
| Noninterest income to average assets | 0.5433% | 2,313 |
| Noninterest expense to average assets | 2.8714% | 2,209 |
| Loan and lease loss provision to assets | 0.1398% | 1,991 |
| Net operating income to assets | 0.7970% | 2,917 |
| Return on assets (ROA) | 0.8458% | 2,818 |
| Pretax return on assets | 1.0630% | 2,629 |
| Return on Equity (ROE) | 7.6159% | 2,674 |
| Retained earnings to average equity (ytd only) | 7.6159% | 1,341 |
| Net charge-offs to loans | -0.0283% | 4,451 |
| Credit loss provision to net charge-offs | -847.8261% | 3,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2806% | 2,181 |
| Assets per employee ($millions) | 4.6764% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 3,026 |
| Loan loss allowance to noncurrent loans | 536.5330% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 3,890 |
| Noncurrent loans to loans | 0.2112% | 3,716 |
| Net loans and leases to total assets | 58.2160% | 3,656 |
| Net loans and leases to deposits | 66.4529% | 3,837 |
| Net loans and leases to core deposits | 70.6860% | 3,836 |
| Total domestic deposits to total assets | 87.6048% | 1,272 |
| Equity capital to assets | 11.3639% | 2,544 |
| Core capital (leverage) ratio | 9.9624% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $558,060,500 | 1,338 |
| Average earning assets | $505,518,500 | 1,363 |
| Average equity | $61,975,500 | 1,388 |
| Average total loans | $325,156,000 | 1,537 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 2,294 |
| Cost of funding earning assets | 0.8367% | 2,503 |
| Net interest margin | 3.8739% | 2,263 |
| Noninterest income to average assets | 0.5767% | 2,328 |
| Noninterest expense to average assets | 2.4596% | 3,556 |
| Loan and lease loss provision to assets | 0.1819% | 1,134 |
| Net operating income to assets | 1.1762% | 2,149 |
| Return on assets (ROA) | 1.1775% | 2,243 |
| Pretax return on assets | 1.4088% | 2,125 |
| Return on Equity (ROE) | 11.6900% | 1,623 |
| Retained earnings to average equity (ytd only) | 5.6207% | 2,088 |
| Net charge-offs to loans | 0.1624% | 1,235 |
| Credit loss provision to net charge-offs | 194.2786% | 1,360 |
| Earnings coverage of net charge-offs (x) | 16.9726% | 2,134 |
| Efficiency ratio | 60.7513% | 3,577 |
| Assets per employee ($millions) | 4.7432% | 2,906 |
| Cash dividends to net income (ytd only)* | 51.9185% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 2,941 |
| Loan loss allowance to noncurrent loans | 1,246.2898% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 4,266 |
| Noncurrent loans to loans | 0.0885% | 4,171 |
| Net loans and leases to total assets | 57.0049% | 3,850 |
| Net loans and leases to deposits | 64.5591% | 4,041 |
| Net loans and leases to core deposits | 68.5232% | 4,050 |
| Total domestic deposits to total assets | 88.2988% | 980 |
| Equity capital to assets | 10.8442% | 3,144 |
| Core capital (leverage) ratio | 9.9385% | 3,582 |
| Tier 1 risk-based capital ratio | 15.7693% | 2,484 |
| Total risk-based capital ratio | 16.8023% | 2,497 |
| Memoranda: | ||
| Average total assets | $429,370,200 | 1,631 |
| Average earning assets | $384,832,200 | 1,686 |
| Average equity | $43,250,600 | 1,809 |
| Average total loans | $247,525,400 | 1,839 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 2,168 |
| Cost of funding earning assets | 0.8429% | 2,498 |
| Net interest margin | 3.9402% | 2,132 |
| Noninterest income to average assets | 0.5923% | 2,247 |
| Noninterest expense to average assets | 2.2591% | 4,054 |
| Loan and lease loss provision to assets | 0.1725% | 1,068 |
| Net operating income to assets | 1.3639% | 1,597 |
| Return on assets (ROA) | 1.3656% | 1,658 |
| Pretax return on assets | 1.6848% | 1,384 |
| Return on Equity (ROE) | 13.9283% | 999 |
| Retained earnings to average equity (ytd only) | 6.3251% | 2,209 |
| Net charge-offs to loans | 0.0965% | 1,508 |
| Credit loss provision to net charge-offs | 310.2410% | 931 |
| Earnings coverage of net charge-offs (x) | 33.3611% | 1,530 |
| Efficiency ratio | 54.9060% | 4,292 |
| Assets per employee ($millions) | 4.3903% | 3,354 |
| Cash dividends to net income (ytd only)* | 54.5878% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,171 |
| Loan loss allowance to noncurrent loans | 677.7132% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 4,085 |
| Noncurrent loans to loans | 0.2253% | 3,740 |
| Net loans and leases to total assets | 55.8379% | 4,059 |
| Net loans and leases to deposits | 62.9309% | 4,240 |
| Net loans and leases to core deposits | 66.9963% | 4,220 |
| Total domestic deposits to total assets | 88.7290% | 725 |
| Equity capital to assets | 10.2601% | 3,764 |
| Core capital (leverage) ratio | 10.0588% | 3,580 |
| Tier 1 risk-based capital ratio | 16.3816% | 2,308 |
| Total risk-based capital ratio | 17.6334% | 2,241 |
| Memoranda: | ||
| Average total assets | $397,973,000 | 1,760 |
| Average earning assets | $355,743,750 | 1,806 |
| Average equity | $39,018,000 | 1,986 |
| Average total loans | $229,436,500 | 1,977 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 2,106 |
| Cost of funding earning assets | 0.8153% | 2,573 |
| Net interest margin | 3.9704% | 2,014 |
| Noninterest income to average assets | 0.5944% | 2,177 |
| Noninterest expense to average assets | 2.2945% | 4,016 |
| Loan and lease loss provision to assets | 0.1768% | 1,015 |
| Net operating income to assets | 1.3464% | 1,593 |
| Return on assets (ROA) | 1.3460% | 1,659 |
| Pretax return on assets | 1.6621% | 1,358 |
| Return on Equity (ROE) | 13.9491% | 993 |
| Retained earnings to average equity (ytd only) | 4.9201% | 2,817 |
| Net charge-offs to loans | 0.0653% | 1,719 |
| Credit loss provision to net charge-offs | 466.6667% | 634 |
| Earnings coverage of net charge-offs (x) | 48.5600% | 1,113 |
| Efficiency ratio | 55.5040% | 4,305 |
| Assets per employee ($millions) | 4.4659% | 3,192 |
| Cash dividends to net income (ytd only)* | 64.7280% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,310 |
| Loan loss allowance to noncurrent loans | 1,488.6957% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,320 |
| Noncurrent loans to loans | 0.1000% | 4,230 |
| Net loans and leases to total assets | 56.3644% | 4,055 |
| Net loans and leases to deposits | 63.2767% | 4,257 |
| Net loans and leases to core deposits | 67.0613% | 4,261 |
| Total domestic deposits to total assets | 89.0760% | 636 |
| Equity capital to assets | 9.9902% | 3,982 |
| Core capital (leverage) ratio | 9.8912% | 3,710 |
| Tier 1 risk-based capital ratio | 15.9737% | 2,427 |
| Total risk-based capital ratio | 17.2253% | 2,365 |
| Memoranda: | ||
| Average total assets | $395,996,330 | 1,773 |
| Average earning assets | $353,009,000 | 1,824 |
| Average equity | $38,210,330 | 2,012 |
| Average total loans | $229,572,670 | 1,979 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 2,038 |
| Cost of funding earning assets | 0.7883% | 2,602 |
| Net interest margin | 3.9701% | 1,947 |
| Noninterest income to average assets | 0.5628% | 2,216 |
| Noninterest expense to average assets | 2.2869% | 4,057 |
| Loan and lease loss provision to assets | 0.1527% | 1,099 |
| Net operating income to assets | 1.3363% | 1,574 |
| Return on assets (ROA) | 1.3363% | 1,610 |
| Pretax return on assets | 1.6599% | 1,310 |
| Return on Equity (ROE) | 14.1037% | 944 |
| Retained earnings to average equity (ytd only) | 0.1396% | 4,496 |
| Net charge-offs to loans | -0.0192% | 4,476 |
| Credit loss provision to net charge-offs | -1,363.6364% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7845% | 4,363 |
| Assets per employee ($millions) | 4.4849% | 3,213 |
| Cash dividends to net income (ytd only)* | 99.0099% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,556 |
| Loan loss allowance to noncurrent loans | 1,122.0339% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 4,217 |
| Noncurrent loans to loans | 0.1277% | 4,165 |
| Net loans and leases to total assets | 57.6730% | 3,926 |
| Net loans and leases to deposits | 64.4681% | 4,155 |
| Net loans and leases to core deposits | 68.0205% | 4,176 |
| Total domestic deposits to total assets | 89.4597% | 660 |
| Equity capital to assets | 9.5858% | 4,178 |
| Core capital (leverage) ratio | 9.8163% | 3,799 |
| Tier 1 risk-based capital ratio | 15.7506% | 2,548 |
| Total risk-based capital ratio | 17.0017% | 2,475 |
| Memoranda: | ||
| Average total assets | $393,028,000 | 1,795 |
| Average earning assets | $350,119,000 | 1,849 |
| Average equity | $37,238,500 | 2,046 |
| Average total loans | $229,373,500 | 1,998 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,872 |
| Cost of funding earning assets | 0.6568% | 2,343 |
| Net interest margin | 4.0297% | 1,892 |
| Noninterest income to average assets | 0.6114% | 2,231 |
| Noninterest expense to average assets | 2.3422% | 4,019 |
| Loan and lease loss provision to assets | 0.1853% | 1,046 |
| Net operating income to assets | 1.3363% | 1,664 |
| Return on assets (ROA) | 1.3205% | 1,709 |
| Pretax return on assets | 1.6746% | 1,237 |
| Return on Equity (ROE) | 13.9933% | 1,041 |
| Retained earnings to average equity (ytd only) | 3.5485% | 3,634 |
| Net charge-offs to loans | 0.1161% | 1,587 |
| Credit loss provision to net charge-offs | 286.5854% | 1,064 |
| Earnings coverage of net charge-offs (x) | 29.0732% | 1,633 |
| Efficiency ratio | 54.8777% | 4,533 |
| Assets per employee ($millions) | 4.3010% | 3,460 |
| Cash dividends to net income (ytd only)* | 74.6417% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,712 |
| Loan loss allowance to noncurrent loans | 662.7368% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 3,994 |
| Noncurrent loans to loans | 0.2085% | 3,834 |
| Net loans and leases to total assets | 57.4039% | 4,019 |
| Net loans and leases to deposits | 63.9212% | 4,262 |
| Net loans and leases to core deposits | 67.1458% | 4,292 |
| Total domestic deposits to total assets | 89.8042% | 539 |
| Equity capital to assets | 9.3628% | 4,252 |
| Core capital (leverage) ratio | 10.1417% | 3,411 |
| Tier 1 risk-based capital ratio | 15.8382% | 2,477 |
| Total risk-based capital ratio | 17.0885% | 2,400 |
| Memoranda: | ||
| Average total assets | $380,448,400 | 1,796 |
| Average earning assets | $340,889,800 | 1,844 |
| Average equity | $35,902,800 | 2,037 |
| Average total loans | $211,884,800 | 2,083 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,797 |
| Cost of funding earning assets | 0.6445% | 2,178 |
| Net interest margin | 4.0152% | 1,911 |
| Noninterest income to average assets | 0.6177% | 2,227 |
| Noninterest expense to average assets | 2.3343% | 4,010 |
| Loan and lease loss provision to assets | 0.1606% | 1,202 |
| Net operating income to assets | 1.4016% | 1,487 |
| Return on assets (ROA) | 1.4024% | 1,479 |
| Pretax return on assets | 1.7258% | 1,217 |
| Return on Equity (ROE) | 14.8309% | 915 |
| Retained earnings to average equity (ytd only) | 3.4455% | 4,046 |
| Net charge-offs to loans | 0.0327% | 2,433 |
| Credit loss provision to net charge-offs | 892.1569% | 447 |
| Earnings coverage of net charge-offs (x) | 104.7229% | 722 |
| Efficiency ratio | 54.7181% | 4,537 |
| Assets per employee ($millions) | 4.1178% | 3,702 |
| Cash dividends to net income (ytd only)* | 76.7683% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 1,543 |
| Loan loss allowance to noncurrent loans | 569.6133% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,219 |
| Noncurrent loans to loans | 0.2534% | 3,783 |
| Net loans and leases to total assets | 56.9757% | 4,133 |
| Net loans and leases to deposits | 63.5781% | 4,357 |
| Net loans and leases to core deposits | 66.8779% | 4,363 |
| Total domestic deposits to total assets | 89.6153% | 634 |
| Equity capital to assets | 9.4441% | 4,137 |
| Core capital (leverage) ratio | 10.1775% | 3,434 |
| Tier 1 risk-based capital ratio | 16.5240% | 2,266 |
| Total risk-based capital ratio | 17.7749% | 2,206 |
| Memoranda: | ||
| Average total assets | $377,713,500 | 1,813 |
| Average earning assets | $338,840,000 | 1,864 |
| Average equity | $35,717,250 | 2,054 |
| Average total loans | $207,901,000 | 2,119 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5838% | 1,828 |
| Cost of funding earning assets | 0.6357% | 2,015 |
| Net interest margin | 3.9481% | 2,038 |
| Noninterest income to average assets | 0.6251% | 2,202 |
| Noninterest expense to average assets | 2.2921% | 4,159 |
| Loan and lease loss provision to assets | 0.1605% | 1,160 |
| Net operating income to assets | 1.3781% | 1,510 |
| Return on assets (ROA) | 1.3781% | 1,514 |
| Pretax return on assets | 1.6986% | 1,217 |
| Return on Equity (ROE) | 14.5677% | 943 |
| Retained earnings to average equity (ytd only) | 4.8336% | 3,159 |
| Net charge-offs to loans | 0.0272% | 2,310 |
| Credit loss provision to net charge-offs | 1,089.2857% | 382 |
| Earnings coverage of net charge-offs (x) | 126.1786% | 595 |
| Efficiency ratio | 54.6077% | 4,627 |
| Assets per employee ($millions) | 4.0523% | 3,812 |
| Cash dividends to net income (ytd only)* | 66.8194% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,678 |
| Loan loss allowance to noncurrent loans | 2,281.5385% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,579 |
| Noncurrent loans to loans | 0.0623% | 4,643 |
| Net loans and leases to total assets | 54.6051% | 4,283 |
| Net loans and leases to deposits | 60.9287% | 4,481 |
| Net loans and leases to core deposits | 64.1118% | 4,478 |
| Total domestic deposits to total assets | 89.6212% | 699 |
| Equity capital to assets | 9.5116% | 4,087 |
| Core capital (leverage) ratio | 9.9880% | 3,594 |
| Tier 1 risk-based capital ratio | 16.5364% | 2,250 |
| Total risk-based capital ratio | 17.7839% | 2,191 |
| Memoranda: | ||
| Average total assets | $380,084,000 | 1,815 |
| Average earning assets | $339,454,670 | 1,870 |
| Average equity | $35,956,330 | 2,036 |
| Average total loans | $205,786,000 | 2,144 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 1,767 |
| Cost of funding earning assets | 0.6304% | 1,844 |
| Net interest margin | 3.9018% | 2,037 |
| Noninterest income to average assets | 0.6047% | 2,236 |
| Noninterest expense to average assets | 2.2772% | 4,236 |
| Loan and lease loss provision to assets | 0.1624% | 1,112 |
| Net operating income to assets | 1.3120% | 1,602 |
| Return on assets (ROA) | 1.3120% | 1,610 |
| Pretax return on assets | 1.6222% | 1,326 |
| Return on Equity (ROE) | 13.9067% | 1,036 |
| Retained earnings to average equity (ytd only) | 0.0222% | 4,801 |
| Net charge-offs to loans | -0.0157% | 4,437 |
| Credit loss provision to net charge-offs | -1,937.5000% | 4,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4438% | 4,649 |
| Assets per employee ($millions) | 4.2040% | 3,646 |
| Cash dividends to net income (ytd only)* | 99.8403% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,855 |
| Loan loss allowance to noncurrent loans | 1,558.4699% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,654 |
| Noncurrent loans to loans | 0.0896% | 4,576 |
| Net loans and leases to total assets | 52.6206% | 4,393 |
| Net loans and leases to deposits | 58.6180% | 4,558 |
| Net loans and leases to core deposits | 61.7402% | 4,567 |
| Total domestic deposits to total assets | 89.7686% | 752 |
| Equity capital to assets | 9.2133% | 4,350 |
| Core capital (leverage) ratio | 9.8111% | 3,747 |
| Tier 1 risk-based capital ratio | 16.2265% | 2,380 |
| Total risk-based capital ratio | 17.4717% | 2,333 |
| Memoranda: | ||
| Average total assets | $381,693,000 | 1,815 |
| Average earning assets | $338,207,000 | 1,883 |
| Average equity | $36,011,500 | 2,041 |
| Average total loans | $204,302,000 | 2,164 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,181 |
| Cost of funding earning assets | 0.6482% | 1,303 |
| Net interest margin | 3.7011% | 2,792 |
| Noninterest income to average assets | 0.5709% | 2,603 |
| Noninterest expense to average assets | 2.2714% | 4,408 |
| Loan and lease loss provision to assets | 0.1670% | 1,316 |
| Net operating income to assets | 1.0615% | 2,014 |
| Return on assets (ROA) | 1.0544% | 2,067 |
| Pretax return on assets | 1.4424% | 1,847 |
| Return on Equity (ROE) | 11.0982% | 1,438 |
| Retained earnings to average equity (ytd only) | 2.6118% | 3,756 |
| Net charge-offs to loans | 0.2154% | 1,203 |
| Credit loss provision to net charge-offs | 150.9434% | 1,770 |
| Earnings coverage of net charge-offs (x) | 14.6344% | 2,315 |
| Efficiency ratio | 57.5855% | 4,578 |
| Assets per employee ($millions) | 4.1848% | 3,683 |
| Cash dividends to net income (ytd only)* | 76.4662% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,144 |
| Loan loss allowance to noncurrent loans | 1,244.9074% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,645 |
| Noncurrent loans to loans | 0.1057% | 4,513 |
| Net loans and leases to total assets | 52.9790% | 4,446 |
| Net loans and leases to deposits | 59.2389% | 4,619 |
| Net loans and leases to core deposits | 62.4604% | 4,634 |
| Total domestic deposits to total assets | 89.4328% | 807 |
| Equity capital to assets | 9.6571% | 4,078 |
| Core capital (leverage) ratio | 9.9273% | 3,543 |
| Tier 1 risk-based capital ratio | 16.4259% | 2,295 |
| Total risk-based capital ratio | 17.6146% | 2,248 |
| Memoranda: | ||
| Average total assets | $383,243,000 | 1,781 |
| Average earning assets | $343,733,800 | 1,822 |
| Average equity | $36,411,200 | 2,005 |
| Average total loans | $196,824,800 | 2,180 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 2,221 |
| Cost of funding earning assets | 0.6534% | 1,212 |
| Net interest margin | 3.6622% | 2,910 |
| Noninterest income to average assets | 0.5749% | 2,608 |
| Noninterest expense to average assets | 2.2744% | 4,365 |
| Loan and lease loss provision to assets | 0.1494% | 1,403 |
| Net operating income to assets | 1.0696% | 2,234 |
| Return on assets (ROA) | 1.0747% | 2,255 |
| Pretax return on assets | 1.4464% | 1,958 |
| Return on Equity (ROE) | 11.3580% | 1,545 |
| Retained earnings to average equity (ytd only) | 1.6483% | 4,770 |
| Net charge-offs to loans | 0.2196% | 989 |
| Credit loss provision to net charge-offs | 133.9564% | 1,836 |
| Earnings coverage of net charge-offs (x) | 14.2492% | 2,300 |
| Efficiency ratio | 58.0201% | 4,500 |
| Assets per employee ($millions) | 4.3156% | 3,446 |
| Cash dividends to net income (ytd only)* | 85.4881% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,451 |
| Loan loss allowance to noncurrent loans | 18,442.8571% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,002 |
| Noncurrent loans to loans | 0.0069% | 5,113 |
| Net loans and leases to total assets | 52.9756% | 4,496 |
| Net loans and leases to deposits | 59.4970% | 4,658 |
| Net loans and leases to core deposits | 62.6858% | 4,666 |
| Total domestic deposits to total assets | 89.0391% | 863 |
| Equity capital to assets | 9.8728% | 4,056 |
| Core capital (leverage) ratio | 9.6938% | 3,947 |
| Tier 1 risk-based capital ratio | 16.3139% | 2,371 |
| Total risk-based capital ratio | 17.4637% | 2,360 |
| Memoranda: | ||
| Average total assets | $383,849,000 | 1,791 |
| Average earning assets | $344,663,500 | 1,835 |
| Average equity | $36,320,000 | 2,019 |
| Average total loans | $194,920,250 | 2,209 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,326 |
| Cost of funding earning assets | 0.6552% | 1,114 |
| Net interest margin | 3.5846% | 3,093 |
| Noninterest income to average assets | 0.5736% | 2,586 |
| Noninterest expense to average assets | 2.2377% | 4,482 |
| Loan and lease loss provision to assets | 0.1500% | 1,350 |
| Net operating income to assets | 1.0516% | 2,197 |
| Return on assets (ROA) | 1.0516% | 2,240 |
| Pretax return on assets | 1.4121% | 1,970 |
| Return on Equity (ROE) | 11.2723% | 1,543 |
| Retained earnings to average equity (ytd only) | 3.8147% | 3,422 |
| Net charge-offs to loans | 0.2563% | 799 |
| Credit loss provision to net charge-offs | 117.4089% | 1,811 |
| Earnings coverage of net charge-offs (x) | 12.2267% | 2,213 |
| Efficiency ratio | 57.9227% | 4,601 |
| Assets per employee ($millions) | 4.4182% | 3,238 |
| Cash dividends to net income (ytd only)* | 66.1584% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,462 |
| Loan loss allowance to noncurrent loans | 490.4483% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,496 |
| Noncurrent loans to loans | 0.2631% | 4,097 |
| Net loans and leases to total assets | 50.0790% | 4,704 |
| Net loans and leases to deposits | 56.1430% | 4,850 |
| Net loans and leases to core deposits | 59.2878% | 4,863 |
| Total domestic deposits to total assets | 89.1990% | 859 |
| Equity capital to assets | 9.7588% | 4,167 |
| Core capital (leverage) ratio | 9.6387% | 3,976 |
| Tier 1 risk-based capital ratio | 13.0462% | 3,969 |
| Total risk-based capital ratio | 13.9368% | 4,101 |
| Memoranda: | ||
| Average total assets | $386,647,330 | 1,772 |
| Average earning assets | $347,989,670 | 1,826 |
| Average equity | $36,070,670 | 2,022 |
| Average total loans | $192,733,330 | 2,236 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,481 |
| Cost of funding earning assets | 0.6563% | 1,046 |
| Net interest margin | 3.4917% | 3,302 |
| Noninterest income to average assets | 0.5735% | 2,546 |
| Noninterest expense to average assets | 2.3591% | 4,232 |
| Loan and lease loss provision to assets | 0.0928% | 1,991 |
| Net operating income to assets | 0.9531% | 2,511 |
| Return on assets (ROA) | 0.9531% | 2,569 |
| Pretax return on assets | 1.2770% | 2,320 |
| Return on Equity (ROE) | 10.4553% | 1,754 |
| Retained earnings to average equity (ytd only) | 0.6110% | 4,773 |
| Net charge-offs to loans | 0.2338% | 769 |
| Credit loss provision to net charge-offs | 80.3571% | 1,755 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 1,865 |
| Efficiency ratio | 61.9640% | 4,150 |
| Assets per employee ($millions) | 4.4793% | 3,198 |
| Cash dividends to net income (ytd only)* | 94.1558% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,761 |
| Loan loss allowance to noncurrent loans | 424.0484% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 4,101 |
| Noncurrent loans to loans | 0.2970% | 4,053 |
| Net loans and leases to total assets | 49.8853% | 4,682 |
| Net loans and leases to deposits | 55.5847% | 4,846 |
| Net loans and leases to core deposits | 58.9818% | 4,827 |
| Total domestic deposits to total assets | 89.7464% | 776 |
| Equity capital to assets | 9.2864% | 4,532 |
| Core capital (leverage) ratio | 9.4076% | 4,227 |
| Tier 1 risk-based capital ratio | 16.2461% | 2,454 |
| Total risk-based capital ratio | 17.3460% | 2,461 |
| Memoranda: | ||
| Average total assets | $387,780,500 | 1,784 |
| Average earning assets | $350,430,500 | 1,822 |
| Average equity | $35,350,500 | 2,066 |
| Average total loans | $191,595,000 | 2,259 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,677 |
| Cost of funding earning assets | 0.6982% | 811 |
| Net interest margin | 3.4473% | 3,639 |
| Noninterest income to average assets | 0.5774% | 2,774 |
| Noninterest expense to average assets | 2.3166% | 4,519 |
| Loan and lease loss provision to assets | 0.0661% | 3,042 |
| Net operating income to assets | 0.9497% | 2,587 |
| Return on assets (ROA) | 0.9581% | 2,653 |
| Pretax return on assets | 1.2697% | 2,402 |
| Return on Equity (ROE) | 9.7924% | 2,059 |
| Retained earnings to average equity (ytd only) | 2.7144% | 3,973 |
| Net charge-offs to loans | 0.2301% | 1,207 |
| Credit loss provision to net charge-offs | 60.6796% | 3,235 |
| Earnings coverage of net charge-offs (x) | 12.1553% | 2,481 |
| Efficiency ratio | 62.4292% | 4,183 |
| Assets per employee ($millions) | 4.3371% | 3,384 |
| Cash dividends to net income (ytd only)* | 72.2805% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,484 |
| Loan loss allowance to noncurrent loans | 253.9014% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 3,621 |
| Noncurrent loans to loans | 0.5165% | 3,299 |
| Net loans and leases to total assets | 47.6758% | 4,917 |
| Net loans and leases to deposits | 52.8799% | 5,068 |
| Net loans and leases to core deposits | 56.0091% | 5,046 |
| Total domestic deposits to total assets | 90.1586% | 576 |
| Equity capital to assets | 8.9481% | 4,866 |
| Core capital (leverage) ratio | 9.4401% | 4,172 |
| Tier 1 risk-based capital ratio | 16.3471% | 2,404 |
| Total risk-based capital ratio | 17.4652% | 2,404 |
| Memoranda: | ||
| Average total assets | $378,054,200 | 1,777 |
| Average earning assets | $336,005,200 | 1,846 |
| Average equity | $36,987,800 | 1,975 |
| Average total loans | $179,037,000 | 2,323 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 2,578 |
| Cost of funding earning assets | 0.7079% | 785 |
| Net interest margin | 3.4711% | 3,583 |
| Noninterest income to average assets | 0.5803% | 2,765 |
| Noninterest expense to average assets | 2.3161% | 4,494 |
| Loan and lease loss provision to assets | 0.0533% | 3,189 |
| Net operating income to assets | 0.9566% | 2,624 |
| Return on assets (ROA) | 0.9678% | 2,714 |
| Pretax return on assets | 1.2978% | 2,437 |
| Return on Equity (ROE) | 9.6773% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.2581% | 2,660 |
| Net charge-offs to loans | 0.1623% | 1,402 |
| Credit loss provision to net charge-offs | 69.7674% | 2,792 |
| Earnings coverage of net charge-offs (x) | 17.4790% | 2,047 |
| Efficiency ratio | 62.2177% | 4,189 |
| Assets per employee ($millions) | 4.3380% | 3,354 |
| Cash dividends to net income (ytd only)* | 45.6649% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 2,184 |
| Loan loss allowance to noncurrent loans | 469.8355% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 4,080 |
| Noncurrent loans to loans | 0.2987% | 4,181 |
| Net loans and leases to total assets | 47.8471% | 4,970 |
| Net loans and leases to deposits | 54.1017% | 5,107 |
| Net loans and leases to core deposits | 57.4433% | 5,080 |
| Total domestic deposits to total assets | 88.4392% | 1,173 |
| Equity capital to assets | 10.2842% | 3,821 |
| Core capital (leverage) ratio | 9.7299% | 3,903 |
| Tier 1 risk-based capital ratio | 17.2926% | 2,129 |
| Total risk-based capital ratio | 18.5067% | 2,107 |
| Memoranda: | ||
| Average total assets | $374,982,500 | 1,786 |
| Average earning assets | $331,873,250 | 1,866 |
| Average equity | $37,502,750 | 1,968 |
| Average total loans | $176,653,500 | 2,350 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,660 |
| Cost of funding earning assets | 0.7067% | 775 |
| Net interest margin | 3.4473% | 3,697 |
| Noninterest income to average assets | 0.5794% | 2,731 |
| Noninterest expense to average assets | 2.2882% | 4,642 |
| Loan and lease loss provision to assets | 0.0802% | 2,537 |
| Net operating income to assets | 0.9551% | 2,605 |
| Return on assets (ROA) | 0.9717% | 2,657 |
| Pretax return on assets | 1.3047% | 2,385 |
| Return on Equity (ROE) | 9.8095% | 2,133 |
| Retained earnings to average equity (ytd only) | 5.6872% | 2,312 |
| Net charge-offs to loans | 0.1261% | 1,582 |
| Credit loss provision to net charge-offs | 136.3636% | 1,709 |
| Earnings coverage of net charge-offs (x) | 23.1727% | 1,599 |
| Efficiency ratio | 61.4788% | 4,432 |
| Assets per employee ($millions) | 4.1662% | 3,628 |
| Cash dividends to net income (ytd only)* | 42.0242% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 1,975 |
| Loan loss allowance to noncurrent loans | 762.1083% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 4,370 |
| Noncurrent loans to loans | 0.1932% | 4,660 |
| Net loans and leases to total assets | 47.7328% | 5,010 |
| Net loans and leases to deposits | 53.9017% | 5,140 |
| Net loans and leases to core deposits | 57.3561% | 5,108 |
| Total domestic deposits to total assets | 88.5553% | 1,138 |
| Equity capital to assets | 10.2184% | 3,953 |
| Core capital (leverage) ratio | 9.6933% | 3,934 |
| Tier 1 risk-based capital ratio | 17.1737% | 2,161 |
| Total risk-based capital ratio | 18.4239% | 2,122 |
| Memoranda: | ||
| Average total assets | $374,175,330 | 1,793 |
| Average earning assets | $333,359,000 | 1,861 |
| Average equity | $37,066,000 | 1,993 |
| Average total loans | $174,489,000 | 2,367 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,637 |
| Cost of funding earning assets | 0.7231% | 720 |
| Net interest margin | 3.4305% | 3,761 |
| Noninterest income to average assets | 0.5490% | 2,811 |
| Noninterest expense to average assets | 2.2430% | 4,798 |
| Loan and lease loss provision to assets | 0.0803% | 2,352 |
| Net operating income to assets | 0.9324% | 2,596 |
| Return on assets (ROA) | 0.9332% | 2,697 |
| Pretax return on assets | 1.2628% | 2,459 |
| Return on Equity (ROE) | 9.5715% | 2,171 |
| Retained earnings to average equity (ytd only) | 6.4652% | 2,157 |
| Net charge-offs to loans | 0.1709% | 1,115 |
| Credit loss provision to net charge-offs | 102.7397% | 1,587 |
| Earnings coverage of net charge-offs (x) | 17.1781% | 1,587 |
| Efficiency ratio | 61.3433% | 4,550 |
| Assets per employee ($millions) | 4.4563% | 3,150 |
| Cash dividends to net income (ytd only)* | 32.4541% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,877 |
| Loan loss allowance to noncurrent loans | 1,515.5172% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 4,436 |
| Noncurrent loans to loans | 0.1007% | 5,069 |
| Net loans and leases to total assets | 45.4746% | 5,155 |
| Net loans and leases to deposits | 51.1549% | 5,269 |
| Net loans and leases to core deposits | 54.3463% | 5,226 |
| Total domestic deposits to total assets | 88.8959% | 1,157 |
| Equity capital to assets | 9.9006% | 4,213 |
| Core capital (leverage) ratio | 9.6418% | 3,976 |
| Tier 1 risk-based capital ratio | 17.5317% | 2,112 |
| Total risk-based capital ratio | 18.7822% | 2,082 |
| Memoranda: | ||
| Average total assets | $373,783,000 | 1,793 |
| Average earning assets | $330,802,000 | 1,880 |
| Average equity | $36,441,500 | 2,016 |
| Average total loans | $170,906,500 | 2,398 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 2,744 |
| Cost of funding earning assets | 0.7624% | 603 |
| Net interest margin | 3.3851% | 3,963 |
| Noninterest income to average assets | 0.4853% | 3,431 |
| Noninterest expense to average assets | 2.2741% | 4,866 |
| Loan and lease loss provision to assets | 0.0822% | 2,652 |
| Net operating income to assets | 0.8414% | 3,150 |
| Return on assets (ROA) | 0.8829% | 3,052 |
| Pretax return on assets | 1.1792% | 2,734 |
| Return on Equity (ROE) | 9.2535% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.7805% | 1,910 |
| Net charge-offs to loans | 0.1950% | 1,493 |
| Credit loss provision to net charge-offs | 89.8204% | 2,764 |
| Earnings coverage of net charge-offs (x) | 13.1856% | 2,391 |
| Efficiency ratio | 64.0541% | 4,251 |
| Assets per employee ($millions) | 4.1937% | 3,576 |
| Cash dividends to net income (ytd only)* | 37.5310% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,760 |
| Loan loss allowance to noncurrent loans | 818.3230% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 4,219 |
| Noncurrent loans to loans | 0.1906% | 4,723 |
| Net loans and leases to total assets | 44.5605% | 5,248 |
| Net loans and leases to deposits | 49.8324% | 5,399 |
| Net loans and leases to core deposits | 52.6989% | 5,385 |
| Total domestic deposits to total assets | 89.4209% | 902 |
| Equity capital to assets | 9.5977% | 4,438 |
| Core capital (leverage) ratio | 9.6201% | 4,022 |
| Tier 1 risk-based capital ratio | 17.5979% | 2,091 |
| Total risk-based capital ratio | 18.8488% | 2,042 |
| Memoranda: | ||
| Average total assets | $365,150,400 | 1,795 |
| Average earning assets | $323,065,000 | 1,875 |
| Average equity | $34,841,000 | 2,043 |
| Average total loans | $171,253,600 | 2,340 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,763 |
| Cost of funding earning assets | 0.7690% | 598 |
| Net interest margin | 3.3781% | 4,038 |
| Noninterest income to average assets | 0.4905% | 3,433 |
| Noninterest expense to average assets | 2.2809% | 4,829 |
| Loan and lease loss provision to assets | 0.0826% | 2,519 |
| Net operating income to assets | 0.8360% | 3,243 |
| Return on assets (ROA) | 0.8647% | 3,201 |
| Pretax return on assets | 1.1540% | 2,998 |
| Return on Equity (ROE) | 9.0760% | 2,536 |
| Retained earnings to average equity (ytd only) | 6.1856% | 2,126 |
| Net charge-offs to loans | 0.2359% | 1,115 |
| Credit loss provision to net charge-offs | 74.0132% | 2,697 |
| Earnings coverage of net charge-offs (x) | 10.7369% | 2,570 |
| Efficiency ratio | 64.2571% | 4,200 |
| Assets per employee ($millions) | 4.0643% | 3,774 |
| Cash dividends to net income (ytd only)* | 31.8473% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 2,180 |
| Loan loss allowance to noncurrent loans | 43,166.6667% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 4,079 |
| Noncurrent loans to loans | 0.0035% | 5,650 |
| Net loans and leases to total assets | 47.7066% | 5,105 |
| Net loans and leases to deposits | 53.5891% | 5,277 |
| Net loans and leases to core deposits | 56.8198% | 5,258 |
| Total domestic deposits to total assets | 89.0231% | 1,018 |
| Equity capital to assets | 9.8980% | 4,290 |
| Core capital (leverage) ratio | 9.6076% | 4,156 |
| Tier 1 risk-based capital ratio | 17.3817% | 2,222 |
| Total risk-based capital ratio | 18.6324% | 2,175 |
| Memoranda: | ||
| Average total assets | $363,129,000 | 1,813 |
| Average earning assets | $321,281,250 | 1,897 |
| Average equity | $34,595,750 | 2,078 |
| Average total loans | $171,829,250 | 2,344 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 2,807 |
| Cost of funding earning assets | 0.7697% | 591 |
| Net interest margin | 3.3551% | 4,080 |
| Noninterest income to average assets | 0.4883% | 3,455 |
| Noninterest expense to average assets | 2.2003% | 5,114 |
| Loan and lease loss provision to assets | 0.0822% | 2,468 |
| Net operating income to assets | 0.8609% | 3,076 |
| Return on assets (ROA) | 0.8609% | 3,179 |
| Pretax return on assets | 1.1536% | 2,959 |
| Return on Equity (ROE) | 9.1531% | 2,453 |
| Retained earnings to average equity (ytd only) | 6.4730% | 1,965 |
| Net charge-offs to loans | 0.2159% | 1,179 |
| Credit loss provision to net charge-offs | 81.0811% | 2,315 |
| Earnings coverage of net charge-offs (x) | 12.1892% | 2,234 |
| Efficiency ratio | 62.7273% | 4,557 |
| Assets per employee ($millions) | 4.0732% | 3,737 |
| Cash dividends to net income (ytd only)* | 29.2807% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 2,165 |
| Loan loss allowance to noncurrent loans | 1,057.8313% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 3,890 |
| Noncurrent loans to loans | 0.1446% | 5,171 |
| Net loans and leases to total assets | 46.7854% | 5,191 |
| Net loans and leases to deposits | 52.1720% | 5,370 |
| Net loans and leases to core deposits | 55.2750% | 5,359 |
| Total domestic deposits to total assets | 89.6752% | 799 |
| Equity capital to assets | 9.4010% | 4,776 |
| Core capital (leverage) ratio | 9.4442% | 4,346 |
| Tier 1 risk-based capital ratio | 17.3438% | 2,268 |
| Total risk-based capital ratio | 18.5951% | 2,232 |
| Memoranda: | ||
| Average total assets | $364,952,330 | 1,814 |
| Average earning assets | $320,644,330 | 1,911 |
| Average equity | $34,327,330 | 2,101 |
| Average total loans | $171,366,670 | 2,357 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 2,619 |
| Cost of funding earning assets | 0.7716% | 584 |
| Net interest margin | 3.3835% | 3,906 |
| Noninterest income to average assets | 0.4610% | 3,569 |
| Noninterest expense to average assets | 2.2165% | 5,103 |
| Loan and lease loss provision to assets | 0.0819% | 2,333 |
| Net operating income to assets | 0.8062% | 3,229 |
| Return on assets (ROA) | 0.8062% | 3,350 |
| Pretax return on assets | 1.0989% | 3,084 |
| Return on Equity (ROE) | 8.5687% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.5687% | 1,350 |
| Net charge-offs to loans | 0.4165% | 586 |
| Credit loss provision to net charge-offs | 42.1348% | 2,172 |
| Earnings coverage of net charge-offs (x) | 6.0730% | 2,329 |
| Efficiency ratio | 63.9228% | 4,497 |
| Assets per employee ($millions) | 4.1198% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 2,383 |
| Loan loss allowance to noncurrent loans | 1,043.0894% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,989 |
| Noncurrent loans to loans | 0.1454% | 5,260 |
| Net loans and leases to total assets | 45.4467% | 5,241 |
| Net loans and leases to deposits | 50.8325% | 5,403 |
| Net loans and leases to core deposits | 53.8382% | 5,377 |
| Total domestic deposits to total assets | 89.4049% | 1,041 |
| Equity capital to assets | 9.5268% | 4,714 |
| Core capital (leverage) ratio | 9.3065% | 4,562 |
| Tier 1 risk-based capital ratio | 17.3313% | 2,370 |
| Total risk-based capital ratio | 18.5823% | 2,322 |
| Memoranda: | ||
| Average total assets | $366,171,000 | 1,815 |
| Average earning assets | $317,774,000 | 1,940 |
| Average equity | $34,451,000 | 2,101 |
| Average total loans | $170,931,000 | 2,360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,444 |
| Cost of funding earning assets | 0.7693% | 764 |
| Net interest margin | 3.5747% | 3,496 |
| Noninterest income to average assets | 0.5414% | 3,226 |
| Noninterest expense to average assets | 2.2221% | 5,294 |
| Loan and lease loss provision to assets | 0.0572% | 3,397 |
| Net operating income to assets | 1.0072% | 2,345 |
| Return on assets (ROA) | 1.0082% | 2,423 |
| Pretax return on assets | 1.4079% | 1,859 |
| Return on Equity (ROE) | 10.5966% | 1,861 |
| Retained earnings to average equity (ytd only) | -4.3495% | 6,152 |
| Net charge-offs to loans | 0.2684% | 1,610 |
| Credit loss provision to net charge-offs | 44.2765% | 3,600 |
| Earnings coverage of net charge-offs (x) | 11.3283% | 2,504 |
| Efficiency ratio | 59.0475% | 5,341 |
| Assets per employee ($millions) | 4.2032% | 3,538 |
| Cash dividends to net income (ytd only)* | 141.0462% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 2,275 |
| Loan loss allowance to noncurrent loans | 6,354.7619% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.3221% | 4,754 |
| Noncurrent loans to loans | 0.0243% | 5,791 |
| Net loans and leases to total assets | 46.4863% | 5,287 |
| Net loans and leases to deposits | 51.8047% | 5,492 |
| Net loans and leases to core deposits | 54.7040% | 5,461 |
| Total domestic deposits to total assets | 89.7337% | 861 |
| Equity capital to assets | 9.2898% | 4,959 |
| Core capital (leverage) ratio | 9.1277% | 4,784 |
| Tier 1 risk-based capital ratio | 15.4608% | 3,241 |
| Total risk-based capital ratio | 16.6070% | 3,240 |
| Memoranda: | ||
| Average total assets | $358,346,800 | 1,823 |
| Average earning assets | $315,214,400 | 1,900 |
| Average equity | $34,095,800 | 2,042 |
| Average total loans | $172,502,000 | 2,301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 2,400 |
| Cost of funding earning assets | 0.7667% | 812 |
| Net interest margin | 3.5888% | 3,471 |
| Noninterest income to average assets | 0.5445% | 3,237 |
| Noninterest expense to average assets | 2.2495% | 5,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0313% | 2,318 |
| Return on assets (ROA) | 1.0318% | 2,374 |
| Pretax return on assets | 1.4589% | 1,780 |
| Return on Equity (ROE) | 10.7791% | 1,880 |
| Retained earnings to average equity (ytd only) | 2.5903% | 4,742 |
| Net charge-offs to loans | 0.2752% | 1,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.9524% | 2,483 |
| Efficiency ratio | 59.4311% | 5,260 |
| Assets per employee ($millions) | 4.0433% | 3,787 |
| Cash dividends to net income (ytd only)* | 75.9697% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 2,797 |
| Loan loss allowance to noncurrent loans | 1,071.2500% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 5,231 |
| Noncurrent loans to loans | 0.1387% | 5,511 |
| Net loans and leases to total assets | 48.4670% | 5,155 |
| Net loans and leases to deposits | 54.4508% | 5,345 |
| Net loans and leases to core deposits | 57.3496% | 5,374 |
| Total domestic deposits to total assets | 89.0107% | 1,230 |
| Equity capital to assets | 9.9960% | 4,170 |
| Core capital (leverage) ratio | 9.8455% | 3,878 |
| Tier 1 risk-based capital ratio | 15.8539% | 3,125 |
| Total risk-based capital ratio | 17.0242% | 3,113 |
| Memoranda: | ||
| Average total assets | $356,513,000 | 1,843 |
| Average earning assets | $314,226,250 | 1,917 |
| Average equity | $34,127,000 | 2,046 |
| Average total loans | $172,462,250 | 2,317 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,408 |
| Cost of funding earning assets | 0.7657% | 850 |
| Net interest margin | 3.5785% | 3,448 |
| Noninterest income to average assets | 0.5613% | 3,043 |
| Noninterest expense to average assets | 2.2491% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0060% | 2,297 |
| Return on assets (ROA) | 1.0064% | 2,362 |
| Pretax return on assets | 1.4449% | 1,733 |
| Return on Equity (ROE) | 10.6685% | 1,859 |
| Retained earnings to average equity (ytd only) | 2.9957% | 4,294 |
| Net charge-offs to loans | 0.3553% | 1,155 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.4510% | 2,493 |
| Efficiency ratio | 59.6552% | 5,344 |
| Assets per employee ($millions) | 4.2436% | 3,378 |
| Cash dividends to net income (ytd only)* | 71.9201% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 2,749 |
| Loan loss allowance to noncurrent loans | 2,818.2796% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 5,468 |
| Noncurrent loans to loans | 0.0544% | 5,877 |
| Net loans and leases to total assets | 47.2320% | 5,240 |
| Net loans and leases to deposits | 52.9105% | 5,434 |
| Net loans and leases to core deposits | 55.5897% | 5,438 |
| Total domestic deposits to total assets | 89.2676% | 1,213 |
| Equity capital to assets | 9.7987% | 4,359 |
| Core capital (leverage) ratio | 9.7595% | 3,947 |
| Tier 1 risk-based capital ratio | 15.9516% | 3,116 |
| Total risk-based capital ratio | 17.1589% | 3,079 |
| Memoranda: | ||
| Average total assets | $358,093,670 | 1,833 |
| Average earning assets | $313,425,000 | 1,914 |
| Average equity | $33,781,670 | 2,054 |
| Average total loans | $172,261,670 | 2,320 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,344 |
| Cost of funding earning assets | 0.7700% | 878 |
| Net interest margin | 3.5772% | 3,351 |
| Noninterest income to average assets | 0.5249% | 3,230 |
| Noninterest expense to average assets | 2.2903% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9242% | 2,530 |
| Return on assets (ROA) | 0.9250% | 2,600 |
| Pretax return on assets | 1.3218% | 2,023 |
| Return on Equity (ROE) | 9.9976% | 2,040 |
| Retained earnings to average equity (ytd only) | 6.0949% | 2,490 |
| Net charge-offs to loans | 0.6339% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.3248% | 2,543 |
| Efficiency ratio | 62.1605% | 5,096 |
| Assets per employee ($millions) | 4.2367% | 3,460 |
| Cash dividends to net income (ytd only)* | 39.0361% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 2,908 |
| Loan loss allowance to noncurrent loans | 864.1694% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 5,375 |
| Noncurrent loans to loans | 0.1798% | 5,556 |
| Net loans and leases to total assets | 47.2410% | 5,208 |
| Net loans and leases to deposits | 52.7445% | 5,407 |
| Net loans and leases to core deposits | 55.4356% | 5,397 |
| Total domestic deposits to total assets | 89.5658% | 1,333 |
| Equity capital to assets | 9.4867% | 4,518 |
| Core capital (leverage) ratio | 9.7902% | 3,878 |
| Tier 1 risk-based capital ratio | 16.2262% | 3,045 |
| Total risk-based capital ratio | 17.4519% | 3,018 |
| Memoranda: | ||
| Average total assets | $358,908,500 | 1,835 |
| Average earning assets | $309,629,500 | 1,951 |
| Average equity | $33,208,000 | 2,073 |
| Average total loans | $172,899,500 | 2,312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3768% | 2,668 |
| Cost of funding earning assets | 0.8452% | 972 |
| Net interest margin | 3.5316% | 3,756 |
| Noninterest income to average assets | 0.5180% | 3,645 |
| Noninterest expense to average assets | 2.2021% | 5,622 |
| Loan and lease loss provision to assets | -0.2617% | 6,652 |
| Net operating income to assets | 1.1453% | 1,774 |
| Return on assets (ROA) | 1.1330% | 1,886 |
| Pretax return on assets | 1.6589% | 1,036 |
| Return on Equity (ROE) | 11.8700% | 1,466 |
| Retained earnings to average equity (ytd only) | 2.9134% | 4,171 |
| Net charge-offs to loans | -0.1611% | 6,584 |
| Credit loss provision to net charge-offs | 325.7042% | 708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5918% | 5,525 |
| Assets per employee ($millions) | 4.3087% | 3,251 |
| Cash dividends to net income (ytd only)* | 75.4557% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 2,493 |
| Loan loss allowance to noncurrent loans | 2,251.5385% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 5,494 |
| Noncurrent loans to loans | 0.0743% | 5,993 |
| Net loans and leases to total assets | 47.5491% | 5,344 |
| Net loans and leases to deposits | 53.7018% | 5,492 |
| Net loans and leases to core deposits | 56.1450% | 5,523 |
| Total domestic deposits to total assets | 88.5428% | 1,889 |
| Equity capital to assets | 9.0222% | 5,011 |
| Core capital (leverage) ratio | 9.5755% | 4,145 |
| Tier 1 risk-based capital ratio | 15.7142% | 3,246 |
| Total risk-based capital ratio | 16.9393% | 3,219 |
| Memoranda: | ||
| Average total assets | $353,486,400 | 1,833 |
| Average earning assets | $310,224,000 | 1,910 |
| Average equity | $33,740,600 | 2,041 |
| Average total loans | $176,326,600 | 2,233 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3354% | 2,849 |
| Cost of funding earning assets | 0.8512% | 1,038 |
| Net interest margin | 3.4843% | 3,949 |
| Noninterest income to average assets | 0.5176% | 3,691 |
| Noninterest expense to average assets | 2.1253% | 5,779 |
| Loan and lease loss provision to assets | -0.3510% | 6,794 |
| Net operating income to assets | 1.2355% | 1,519 |
| Return on assets (ROA) | 1.2435% | 1,574 |
| Pretax return on assets | 1.8305% | 838 |
| Return on Equity (ROE) | 12.8460% | 1,272 |
| Retained earnings to average equity (ytd only) | 6.8327% | 1,957 |
| Net charge-offs to loans | -0.4929% | 6,773 |
| Credit loss provision to net charge-offs | 141.6539% | 1,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8519% | 5,710 |
| Assets per employee ($millions) | 4.1451% | 3,544 |
| Cash dividends to net income (ytd only)* | 46.8111% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 2,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,323 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.9955% | 5,133 |
| Net loans and leases to deposits | 56.9215% | 5,290 |
| Net loans and leases to core deposits | 59.5311% | 5,339 |
| Total domestic deposits to total assets | 87.8324% | 2,227 |
| Equity capital to assets | 9.6376% | 4,374 |
| Core capital (leverage) ratio | 9.9136% | 3,793 |
| Tier 1 risk-based capital ratio | 16.4984% | 2,935 |
| Total risk-based capital ratio | 17.7362% | 2,908 |
| Memoranda: | ||
| Average total assets | $351,375,250 | 1,856 |
| Average earning assets | $310,148,750 | 1,926 |
| Average equity | $34,012,250 | 2,041 |
| Average total loans | $176,652,750 | 2,239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3348% | 2,811 |
| Cost of funding earning assets | 0.8581% | 1,094 |
| Net interest margin | 3.4767% | 3,892 |
| Noninterest income to average assets | 0.5238% | 3,677 |
| Noninterest expense to average assets | 2.1076% | 5,854 |
| Loan and lease loss provision to assets | 0.0426% | 4,110 |
| Net operating income to assets | 0.9775% | 2,425 |
| Return on assets (ROA) | 0.9897% | 2,518 |
| Pretax return on assets | 1.4283% | 1,839 |
| Return on Equity (ROE) | 10.2096% | 2,124 |
| Retained earnings to average equity (ytd only) | 4.1564% | 3,643 |
| Net charge-offs to loans | -0.1746% | 6,626 |
| Credit loss provision to net charge-offs | -48.7013% | 5,537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8805% | 5,749 |
| Assets per employee ($millions) | 4.2994% | 3,174 |
| Cash dividends to net income (ytd only)* | 59.2890% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 1,500 |
| Loan loss allowance to noncurrent loans | 411.8221% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,422 |
| Noncurrent loans to loans | 0.5252% | 4,949 |
| Net loans and leases to total assets | 48.7149% | 5,260 |
| Net loans and leases to deposits | 55.1409% | 5,425 |
| Net loans and leases to core deposits | 57.5357% | 5,460 |
| Total domestic deposits to total assets | 88.3463% | 2,015 |
| Equity capital to assets | 9.3649% | 4,763 |
| Core capital (leverage) ratio | 9.5143% | 4,225 |
| Tier 1 risk-based capital ratio | 16.0099% | 3,187 |
| Total risk-based capital ratio | 17.2412% | 3,142 |
| Memoranda: | ||
| Average total assets | $352,438,000 | 1,848 |
| Average earning assets | $307,878,330 | 1,946 |
| Average equity | $34,164,000 | 2,037 |
| Average total loans | $176,412,330 | 2,239 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 2,504 |
| Cost of funding earning assets | 0.8688% | 1,154 |
| Net interest margin | 3.5372% | 3,538 |
| Noninterest income to average assets | 0.5119% | 3,696 |
| Noninterest expense to average assets | 2.1023% | 5,909 |
| Loan and lease loss provision to assets | 0.0851% | 3,238 |
| Net operating income to assets | 0.9587% | 2,408 |
| Return on assets (ROA) | 0.9603% | 2,530 |
| Pretax return on assets | 1.3769% | 1,931 |
| Return on Equity (ROE) | 9.7415% | 2,164 |
| Retained earnings to average equity (ytd only) | 3.9841% | 3,842 |
| Net charge-offs to loans | 0.0701% | 3,139 |
| Credit loss provision to net charge-offs | 241.9355% | 946 |
| Earnings coverage of net charge-offs (x) | 41.4839% | 768 |
| Efficiency ratio | 57.7119% | 5,886 |
| Assets per employee ($millions) | 4.2249% | 3,487 |
| Cash dividends to net income (ytd only)* | 59.1017% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0575% | 1,901 |
| Loan loss allowance to noncurrent loans | 331.6804% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 5,019 |
| Noncurrent loans to loans | 0.6203% | 4,892 |
| Net loans and leases to total assets | 48.4476% | 5,181 |
| Net loans and leases to deposits | 55.2374% | 5,327 |
| Net loans and leases to core deposits | 57.5257% | 5,383 |
| Total domestic deposits to total assets | 87.7079% | 2,511 |
| Equity capital to assets | 9.8046% | 4,411 |
| Core capital (leverage) ratio | 9.4325% | 4,195 |
| Tier 1 risk-based capital ratio | 15.9821% | 3,283 |
| Total risk-based capital ratio | 17.2114% | 3,252 |
| Memoranda: | ||
| Average total assets | $352,382,500 | 1,876 |
| Average earning assets | $303,853,500 | 1,984 |
| Average equity | $34,738,000 | 2,029 |
| Average total loans | $176,848,000 | 2,248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 2,371 |
| Cost of funding earning assets | 0.9821% | 1,451 |
| Net interest margin | 3.7754% | 3,337 |
| Noninterest income to average assets | 0.5530% | 3,557 |
| Noninterest expense to average assets | 2.3149% | 5,652 |
| Loan and lease loss provision to assets | 0.4495% | 1,404 |
| Net operating income to assets | 0.7255% | 3,617 |
| Return on assets (ROA) | 0.7747% | 3,644 |
| Pretax return on assets | 1.0974% | 3,166 |
| Return on Equity (ROE) | 7.7756% | 3,191 |
| Retained earnings to average equity (ytd only) | 4.3434% | 3,173 |
| Net charge-offs to loans | 0.3605% | 2,829 |
| Credit loss provision to net charge-offs | 235.7032% | 1,052 |
| Earnings coverage of net charge-offs (x) | 7.7481% | 2,535 |
| Efficiency ratio | 59.7622% | 5,579 |
| Assets per employee ($millions) | 4.3194% | 3,309 |
| Cash dividends to net income (ytd only)* | 44.1400% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 2,010 |
| Loan loss allowance to noncurrent loans | 661.9666% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 5,521 |
| Noncurrent loans to loans | 0.3026% | 5,722 |
| Net loans and leases to total assets | 49.8980% | 5,181 |
| Net loans and leases to deposits | 56.9470% | 5,344 |
| Net loans and leases to core deposits | 59.4517% | 5,413 |
| Total domestic deposits to total assets | 87.6217% | 2,465 |
| Equity capital to assets | 9.9123% | 4,289 |
| Core capital (leverage) ratio | 9.6014% | 3,962 |
| Tier 1 risk-based capital ratio | 15.6874% | 3,326 |
| Total risk-based capital ratio | 16.9193% | 3,293 |
| Memoranda: | ||
| Average total assets | $339,241,000 | 1,908 |
| Average earning assets | $291,096,600 | 2,037 |
| Average equity | $33,798,200 | 2,040 |
| Average total loans | $179,463,400 | 2,208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 2,305 |
| Cost of funding earning assets | 0.9988% | 1,564 |
| Net interest margin | 3.8235% | 3,232 |
| Noninterest income to average assets | 0.5562% | 3,569 |
| Noninterest expense to average assets | 2.2512% | 5,814 |
| Loan and lease loss provision to assets | 0.6041% | 914 |
| Net operating income to assets | 0.6941% | 3,938 |
| Return on assets (ROA) | 0.7602% | 3,898 |
| Pretax return on assets | 1.0695% | 3,466 |
| Return on Equity (ROE) | 7.6199% | 3,460 |
| Retained earnings to average equity (ytd only) | 4.7213% | 3,580 |
| Net charge-offs to loans | 0.6051% | 1,823 |
| Credit loss provision to net charge-offs | 186.8873% | 1,480 |
| Earnings coverage of net charge-offs (x) | 4.8897% | 3,168 |
| Efficiency ratio | 57.4796% | 5,856 |
| Assets per employee ($millions) | 3.9749% | 3,921 |
| Cash dividends to net income (ytd only)* | 38.0407% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 2,351 |
| Loan loss allowance to noncurrent loans | 545.7464% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 5,175 |
| Noncurrent loans to loans | 0.3560% | 5,769 |
| Net loans and leases to total assets | 50.1950% | 5,294 |
| Net loans and leases to deposits | 57.5493% | 5,473 |
| Net loans and leases to core deposits | 60.2390% | 5,531 |
| Total domestic deposits to total assets | 87.2208% | 2,547 |
| Equity capital to assets | 10.2090% | 4,191 |
| Core capital (leverage) ratio | 9.6358% | 4,068 |
| Tier 1 risk-based capital ratio | 15.8256% | 3,360 |
| Total risk-based capital ratio | 17.0635% | 3,334 |
| Memoranda: | ||
| Average total assets | $336,583,750 | 1,939 |
| Average earning assets | $288,346,750 | 2,074 |
| Average equity | $33,577,750 | 2,067 |
| Average total loans | $179,792,750 | 2,232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 2,096 |
| Cost of funding earning assets | 1.0105% | 1,701 |
| Net interest margin | 3.8932% | 2,938 |
| Noninterest income to average assets | 0.5627% | 3,504 |
| Noninterest expense to average assets | 2.2740% | 5,810 |
| Loan and lease loss provision to assets | 0.6869% | 810 |
| Net operating income to assets | 0.6543% | 4,091 |
| Return on assets (ROA) | 0.7502% | 3,877 |
| Pretax return on assets | 1.0489% | 3,524 |
| Return on Equity (ROE) | 7.5806% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.1747% | 4,499 |
| Net charge-offs to loans | 0.5171% | 2,037 |
| Credit loss provision to net charge-offs | 245.2026% | 1,172 |
| Earnings coverage of net charge-offs (x) | 5.7207% | 2,769 |
| Efficiency ratio | 57.3960% | 5,943 |
| Assets per employee ($millions) | 4.0170% | 3,835 |
| Cash dividends to net income (ytd only)* | 58.1210% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 2,479 |
| Loan loss allowance to noncurrent loans | 649.7110% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 5,141 |
| Noncurrent loans to loans | 0.2956% | 5,969 |
| Net loans and leases to total assets | 50.4332% | 5,297 |
| Net loans and leases to deposits | 57.5359% | 5,502 |
| Net loans and leases to core deposits | 60.1584% | 5,571 |
| Total domestic deposits to total assets | 87.6551% | 2,363 |
| Equity capital to assets | 9.8558% | 4,539 |
| Core capital (leverage) ratio | 9.5304% | 4,104 |
| Tier 1 risk-based capital ratio | 15.3483% | 3,542 |
| Total risk-based capital ratio | 16.5777% | 3,519 |
| Memoranda: | ||
| Average total assets | $334,830,000 | 1,944 |
| Average earning assets | $285,007,670 | 2,090 |
| Average equity | $33,137,330 | 2,078 |
| Average total loans | $181,394,000 | 2,206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 1,961 |
| Cost of funding earning assets | 1.0519% | 1,659 |
| Net interest margin | 3.9280% | 2,808 |
| Noninterest income to average assets | 0.5429% | 3,614 |
| Noninterest expense to average assets | 2.3974% | 5,479 |
| Loan and lease loss provision to assets | 0.8446% | 556 |
| Net operating income to assets | 0.4642% | 4,981 |
| Return on assets (ROA) | 0.6660% | 4,262 |
| Pretax return on assets | 0.8904% | 4,064 |
| Return on Equity (ROE) | 6.7153% | 3,938 |
| Retained earnings to average equity (ytd only) | 3.0657% | 4,723 |
| Net charge-offs to loans | 1.0548% | 980 |
| Credit loss provision to net charge-offs | 144.0329% | 1,715 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,167 |
| Efficiency ratio | 60.7745% | 5,495 |
| Assets per employee ($millions) | 3.9492% | 4,112 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 3,766 |
| Loan loss allowance to noncurrent loans | 265.5393% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 4,669 |
| Noncurrent loans to loans | 0.5984% | 5,462 |
| Net loans and leases to total assets | 54.2348% | 4,681 |
| Net loans and leases to deposits | 61.9145% | 4,931 |
| Net loans and leases to core deposits | 64.3583% | 5,073 |
| Total domestic deposits to total assets | 87.5962% | 2,591 |
| Equity capital to assets | 9.9277% | 4,222 |
| Core capital (leverage) ratio | 9.5494% | 3,982 |
| Tier 1 risk-based capital ratio | 14.7938% | 3,896 |
| Total risk-based capital ratio | 16.0230% | 3,873 |
| Memoranda: | ||
| Average total assets | $331,523,000 | 1,965 |
| Average earning assets | $280,245,000 | 2,131 |
| Average equity | $32,880,000 | 2,097 |
| Average total loans | $184,304,500 | 2,182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 1,784 |
| Cost of funding earning assets | 1.2744% | 1,595 |
| Net interest margin | 4.0018% | 2,868 |
| Noninterest income to average assets | 0.5809% | 3,290 |
| Noninterest expense to average assets | 2.3900% | 5,798 |
| Loan and lease loss provision to assets | 1.0469% | 889 |
| Net operating income to assets | 0.4381% | 4,697 |
| Return on assets (ROA) | 0.6051% | 4,160 |
| Pretax return on assets | 0.7697% | 4,084 |
| Return on Equity (ROE) | 6.2418% | 3,754 |
| Retained earnings to average equity (ytd only) | 1.8605% | 4,890 |
| Net charge-offs to loans | 2.1062% | 637 |
| Credit loss provision to net charge-offs | 85.3034% | 4,229 |
| Earnings coverage of net charge-offs (x) | 1.3078% | 4,797 |
| Efficiency ratio | 58.5954% | 5,961 |
| Assets per employee ($millions) | 3.8525% | 4,199 |
| Cash dividends to net income (ytd only)* | 70.1928% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 4,244 |
| Loan loss allowance to noncurrent loans | 119.8664% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 4,434 |
| Noncurrent loans to loans | 1.2083% | 4,357 |
| Net loans and leases to total assets | 55.2645% | 4,844 |
| Net loans and leases to deposits | 64.2136% | 4,980 |
| Net loans and leases to core deposits | 66.7943% | 5,177 |
| Total domestic deposits to total assets | 86.0635% | 3,284 |
| Equity capital to assets | 9.9081% | 4,293 |
| Core capital (leverage) ratio | 9.6020% | 3,864 |
| Tier 1 risk-based capital ratio | 14.6203% | 3,887 |
| Total risk-based capital ratio | 15.8703% | 3,863 |
| Memoranda: | ||
| Average total assets | $334,307,400 | 1,935 |
| Average earning assets | $285,222,600 | 2,059 |
| Average equity | $32,410,600 | 2,055 |
| Average total loans | $194,807,400 | 2,085 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3221% | 1,781 |
| Cost of funding earning assets | 1.3347% | 1,529 |
| Net interest margin | 3.9874% | 2,964 |
| Noninterest income to average assets | 0.5858% | 3,257 |
| Noninterest expense to average assets | 2.4561% | 5,604 |
| Loan and lease loss provision to assets | 1.0147% | 843 |
| Net operating income to assets | 0.4232% | 4,889 |
| Return on assets (ROA) | 0.5818% | 4,350 |
| Pretax return on assets | 0.7298% | 4,377 |
| Return on Equity (ROE) | 6.0337% | 4,009 |
| Retained earnings to average equity (ytd only) | 2.4019% | 4,920 |
| Net charge-offs to loans | 2.4411% | 453 |
| Credit loss provision to net charge-offs | 70.6763% | 4,462 |
| Earnings coverage of net charge-offs (x) | 1.0770% | 4,825 |
| Efficiency ratio | 60.1412% | 5,696 |
| Assets per employee ($millions) | 3.9139% | 4,040 |
| Cash dividends to net income (ytd only)* | 60.1915% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,558 |
| Loan loss allowance to noncurrent loans | 78.4561% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2687% | 4,267 |
| Noncurrent loans to loans | 1.5005% | 4,041 |
| Net loans and leases to total assets | 57.0921% | 4,668 |
| Net loans and leases to deposits | 67.8221% | 4,641 |
| Net loans and leases to core deposits | 70.6511% | 4,870 |
| Total domestic deposits to total assets | 84.1792% | 4,142 |
| Equity capital to assets | 10.1463% | 4,159 |
| Core capital (leverage) ratio | 9.3739% | 4,343 |
| Tier 1 risk-based capital ratio | 14.5988% | 3,904 |
| Total risk-based capital ratio | 15.6450% | 4,025 |
| Memoranda: | ||
| Average total assets | $335,055,250 | 1,937 |
| Average earning assets | $287,099,000 | 2,052 |
| Average equity | $32,306,500 | 2,055 |
| Average total loans | $197,061,500 | 2,090 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4130% | 1,522 |
| Cost of funding earning assets | 1.3913% | 1,457 |
| Net interest margin | 4.0218% | 2,733 |
| Noninterest income to average assets | 0.5932% | 3,183 |
| Noninterest expense to average assets | 2.4565% | 5,677 |
| Loan and lease loss provision to assets | 1.1271% | 714 |
| Net operating income to assets | 0.3367% | 5,226 |
| Return on assets (ROA) | 0.5760% | 4,303 |
| Pretax return on assets | 0.7089% | 4,354 |
| Return on Equity (ROE) | 6.0771% | 3,925 |
| Retained earnings to average equity (ytd only) | 2.1342% | 4,925 |
| Net charge-offs to loans | 3.0386% | 336 |
| Credit loss provision to net charge-offs | 62.7063% | 4,280 |
| Earnings coverage of net charge-offs (x) | 0.8571% | 4,653 |
| Efficiency ratio | 60.2404% | 5,835 |
| Assets per employee ($millions) | 3.9278% | 3,928 |
| Cash dividends to net income (ytd only)* | 64.8816% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,865 |
| Loan loss allowance to noncurrent loans | 48.7607% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 3,814 |
| Noncurrent loans to loans | 2.2996% | 3,101 |
| Net loans and leases to total assets | 56.4925% | 4,901 |
| Net loans and leases to deposits | 66.4398% | 4,926 |
| Net loans and leases to core deposits | 69.3342% | 5,146 |
| Total domestic deposits to total assets | 85.0281% | 3,864 |
| Equity capital to assets | 9.6157% | 4,641 |
| Core capital (leverage) ratio | 9.2924% | 4,261 |
| Tier 1 risk-based capital ratio | 14.0601% | 4,128 |
| Total risk-based capital ratio | 15.0442% | 4,281 |
| Memoranda: | ||
| Average total assets | $337,150,670 | 1,933 |
| Average earning assets | $285,347,670 | 2,074 |
| Average equity | $31,956,000 | 2,069 |
| Average total loans | $199,436,330 | 2,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 1,665 |
| Cost of funding earning assets | 1.4262% | 1,487 |
| Net interest margin | 3.9473% | 2,925 |
| Noninterest income to average assets | 0.5534% | 3,484 |
| Noninterest expense to average assets | 2.5212% | 5,479 |
| Loan and lease loss provision to assets | 0.6235% | 1,383 |
| Net operating income to assets | 0.6319% | 3,857 |
| Return on assets (ROA) | 0.6603% | 3,778 |
| Pretax return on assets | 0.8574% | 3,671 |
| Return on Equity (ROE) | 7.0172% | 3,372 |
| Retained earnings to average equity (ytd only) | 3.8620% | 3,853 |
| Net charge-offs to loans | 1.5455% | 878 |
| Credit loss provision to net charge-offs | 67.0498% | 3,405 |
| Earnings coverage of net charge-offs (x) | 1.5530% | 3,544 |
| Efficiency ratio | 62.3540% | 5,622 |
| Assets per employee ($millions) | 3.8341% | 4,227 |
| Cash dividends to net income (ytd only)* | 44.9640% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 4,092 |
| Loan loss allowance to noncurrent loans | 84.5212% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.4908% | 4,023 |
| Noncurrent loans to loans | 1.8033% | 3,824 |
| Net loans and leases to total assets | 58.8055% | 4,499 |
| Net loans and leases to deposits | 69.2646% | 4,479 |
| Net loans and leases to core deposits | 72.8700% | 4,665 |
| Total domestic deposits to total assets | 84.8998% | 4,082 |
| Equity capital to assets | 9.5812% | 4,333 |
| Core capital (leverage) ratio | 9.2315% | 4,240 |
| Tier 1 risk-based capital ratio | 13.8059% | 4,211 |
| Total risk-based capital ratio | 15.0382% | 4,199 |
| Memoranda: | ||
| Average total assets | $336,830,000 | 1,948 |
| Average earning assets | $291,132,500 | 2,048 |
| Average equity | $31,693,500 | 2,069 |
| Average total loans | $202,659,000 | 2,081 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6327% | 1,789 |
| Cost of funding earning assets | 1.7998% | 1,172 |
| Net interest margin | 3.8329% | 3,805 |
| Noninterest income to average assets | 0.5829% | 3,575 |
| Noninterest expense to average assets | 2.4216% | 6,045 |
| Loan and lease loss provision to assets | 0.9770% | 1,657 |
| Net operating income to assets | 0.4018% | 4,528 |
| Return on assets (ROA) | 0.5847% | 3,900 |
| Pretax return on assets | 0.7005% | 3,977 |
| Return on Equity (ROE) | 6.2074% | 3,513 |
| Retained earnings to average equity (ytd only) | 4.6755% | 2,624 |
| Net charge-offs to loans | 1.5586% | 1,404 |
| Credit loss provision to net charge-offs | 100.9003% | 4,503 |
| Earnings coverage of net charge-offs (x) | 1.5048% | 4,629 |
| Efficiency ratio | 61.1611% | 5,865 |
| Assets per employee ($millions) | 3.9545% | 3,875 |
| Cash dividends to net income (ytd only)* | 24.6787% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 3,574 |
| Loan loss allowance to noncurrent loans | 104.1087% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 4,419 |
| Noncurrent loans to loans | 1.5350% | 4,190 |
| Net loans and leases to total assets | 59.6403% | 4,739 |
| Net loans and leases to deposits | 69.8900% | 4,826 |
| Net loans and leases to core deposits | 73.7381% | 5,010 |
| Total domestic deposits to total assets | 85.3344% | 3,701 |
| Equity capital to assets | 9.2408% | 4,772 |
| Core capital (leverage) ratio | 9.1277% | 4,306 |
| Tier 1 risk-based capital ratio | 13.2032% | 4,453 |
| Total risk-based capital ratio | 14.4553% | 4,403 |
| Memoranda: | ||
| Average total assets | $332,634,800 | 1,953 |
| Average earning assets | $286,024,400 | 2,075 |
| Average equity | $31,333,800 | 2,094 |
| Average total loans | $206,659,800 | 2,100 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 1,722 |
| Cost of funding earning assets | 1.8557% | 1,185 |
| Net interest margin | 3.8420% | 3,787 |
| Noninterest income to average assets | 0.5841% | 3,548 |
| Noninterest expense to average assets | 2.4895% | 5,748 |
| Loan and lease loss provision to assets | 0.9674% | 1,546 |
| Net operating income to assets | 0.3497% | 4,972 |
| Return on assets (ROA) | 0.5929% | 4,066 |
| Pretax return on assets | 0.7151% | 4,184 |
| Return on Equity (ROE) | 6.2640% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,518 |
| Net charge-offs to loans | 1.5538% | 1,284 |
| Credit loss provision to net charge-offs | 99.5851% | 4,383 |
| Earnings coverage of net charge-offs (x) | 1.4303% | 4,658 |
| Efficiency ratio | 62.9014% | 5,452 |
| Assets per employee ($millions) | 3.8831% | 4,071 |
| Cash dividends to net income (ytd only)* | 32.6307% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5677% | 3,668 |
| Loan loss allowance to noncurrent loans | 64.5321% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.7197% | 3,865 |
| Noncurrent loans to loans | 2.4293% | 3,204 |
| Net loans and leases to total assets | 61.2007% | 4,680 |
| Net loans and leases to deposits | 72.3278% | 4,789 |
| Net loans and leases to core deposits | 77.2962% | 4,887 |
| Total domestic deposits to total assets | 84.6158% | 3,824 |
| Equity capital to assets | 9.6285% | 4,654 |
| Core capital (leverage) ratio | 9.1274% | 4,484 |
| Tier 1 risk-based capital ratio | 12.9402% | 4,620 |
| Total risk-based capital ratio | 14.1923% | 4,600 |
| Memoranda: | ||
| Average total assets | $330,771,250 | 1,991 |
| Average earning assets | $283,663,250 | 2,119 |
| Average equity | $31,310,500 | 2,110 |
| Average total loans | $206,793,750 | 2,124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7569% | 1,538 |
| Cost of funding earning assets | 1.9142% | 1,189 |
| Net interest margin | 3.8427% | 3,701 |
| Noninterest income to average assets | 0.5908% | 3,403 |
| Noninterest expense to average assets | 2.5501% | 5,520 |
| Loan and lease loss provision to assets | 0.8492% | 1,716 |
| Net operating income to assets | 0.3939% | 4,781 |
| Return on assets (ROA) | 0.6078% | 3,984 |
| Pretax return on assets | 0.7400% | 4,106 |
| Return on Equity (ROE) | 6.4584% | 3,569 |
| Retained earnings to average equity (ytd only) | 4.4925% | 3,206 |
| Net charge-offs to loans | 1.3655% | 1,398 |
| Credit loss provision to net charge-offs | 99.2908% | 4,136 |
| Earnings coverage of net charge-offs (x) | 1.5532% | 4,326 |
| Efficiency ratio | 64.4667% | 5,248 |
| Assets per employee ($millions) | 3.8412% | 4,127 |
| Cash dividends to net income (ytd only)* | 30.4391% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,579 |
| Loan loss allowance to noncurrent loans | 47.2698% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.2440% | 3,210 |
| Noncurrent loans to loans | 3.3240% | 2,406 |
| Net loans and leases to total assets | 61.7247% | 4,740 |
| Net loans and leases to deposits | 72.7588% | 4,879 |
| Net loans and leases to core deposits | 77.7516% | 4,994 |
| Total domestic deposits to total assets | 84.8347% | 3,715 |
| Equity capital to assets | 9.6281% | 4,502 |
| Core capital (leverage) ratio | 8.8947% | 4,756 |
| Tier 1 risk-based capital ratio | 12.6231% | 4,754 |
| Total risk-based capital ratio | 13.7821% | 4,804 |
| Memoranda: | ||
| Average total assets | $329,712,670 | 2,011 |
| Average earning assets | $282,095,000 | 2,144 |
| Average equity | $31,029,330 | 2,123 |
| Average total loans | $206,514,000 | 2,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7023% | 1,770 |
| Cost of funding earning assets | 1.9358% | 1,305 |
| Net interest margin | 3.7665% | 3,933 |
| Noninterest income to average assets | 0.5756% | 3,453 |
| Noninterest expense to average assets | 2.4724% | 5,832 |
| Loan and lease loss provision to assets | 0.7893% | 1,603 |
| Net operating income to assets | 0.4423% | 4,651 |
| Return on assets (ROA) | 0.5987% | 4,048 |
| Pretax return on assets | 0.7274% | 4,140 |
| Return on Equity (ROE) | 6.4358% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.4358% | 2,385 |
| Net charge-offs to loans | 1.5597% | 1,114 |
| Credit loss provision to net charge-offs | 80.8458% | 3,858 |
| Earnings coverage of net charge-offs (x) | 1.3582% | 3,932 |
| Efficiency ratio | 63.7788% | 5,536 |
| Assets per employee ($millions) | 3.7366% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 3,866 |
| Loan loss allowance to noncurrent loans | 54.1797% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 3,639 |
| Noncurrent loans to loans | 2.7846% | 2,875 |
| Net loans and leases to total assets | 61.0717% | 4,931 |
| Net loans and leases to deposits | 72.9114% | 4,924 |
| Net loans and leases to core deposits | 77.4833% | 5,091 |
| Total domestic deposits to total assets | 83.7615% | 4,255 |
| Equity capital to assets | 9.3224% | 4,798 |
| Core capital (leverage) ratio | 9.0535% | 4,468 |
| Tier 1 risk-based capital ratio | 12.4652% | 4,783 |
| Total risk-based capital ratio | 13.6705% | 4,767 |
| Memoranda: | ||
| Average total assets | $329,396,000 | 2,069 |
| Average earning assets | $281,851,000 | 2,195 |
| Average equity | $30,641,000 | 2,175 |
| Average total loans | $206,191,000 | 2,217 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8936% | 2,269 |
| Cost of funding earning assets | 2.2375% | 1,878 |
| Net interest margin | 3.6561% | 4,326 |
| Noninterest income to average assets | 0.6578% | 3,239 |
| Noninterest expense to average assets | 3.6737% | 1,972 |
| Loan and lease loss provision to assets | 1.3120% | 1,755 |
| Net operating income to assets | -1.0388% | 6,597 |
| Return on assets (ROA) | -1.1017% | 6,647 |
| Pretax return on assets | -1.2362% | 6,559 |
| Return on Equity (ROE) | -10.9221% | 6,691 |
| Retained earnings to average equity (ytd only) | -12.1344% | 6,693 |
| Net charge-offs to loans | 1.7874% | 1,400 |
| Credit loss provision to net charge-offs | 118.0418% | 4,584 |
| Earnings coverage of net charge-offs (x) | 0.1317% | 6,028 |
| Efficiency ratio | 94.8548% | 1,358 |
| Assets per employee ($millions) | 3.5461% | 4,905 |
| Cash dividends to net income (ytd only)* | -11.0988% | 7,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 3,348 |
| Loan loss allowance to noncurrent loans | 46.4570% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.6839% | 2,614 |
| Noncurrent loans to loans | 3.4088% | 2,240 |
| Net loans and leases to total assets | 62.1968% | 4,946 |
| Net loans and leases to deposits | 74.3390% | 4,984 |
| Net loans and leases to core deposits | 95.7719% | 4,487 |
| Total domestic deposits to total assets | 83.6665% | 4,193 |
| Equity capital to assets | 9.2816% | 4,720 |
| Core capital (leverage) ratio | 9.0030% | 4,418 |
| Tier 1 risk-based capital ratio | 12.6992% | 4,366 |
| Total risk-based capital ratio | 13.9516% | 4,298 |
| Memoranda: | ||
| Average total assets | $327,132,400 | 2,071 |
| Average earning assets | $282,951,000 | 2,170 |
| Average equity | $32,997,200 | 2,031 |
| Average total loans | $203,419,200 | 2,268 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9054% | 2,429 |
| Cost of funding earning assets | 2.2978% | 1,991 |
| Net interest margin | 3.6076% | 4,452 |
| Noninterest income to average assets | 0.6680% | 3,234 |
| Noninterest expense to average assets | 3.0555% | 3,820 |
| Loan and lease loss provision to assets | 1.1579% | 1,676 |
| Net operating income to assets | -0.3263% | 6,238 |
| Return on assets (ROA) | -0.5173% | 6,444 |
| Pretax return on assets | -0.6692% | 6,459 |
| Return on Equity (ROE) | -5.0281% | 6,456 |
| Retained earnings to average equity (ytd only) | -5.0281% | 6,261 |
| Net charge-offs to loans | 2.2315% | 860 |
| Credit loss provision to net charge-offs | 83.7902% | 5,658 |
| Earnings coverage of net charge-offs (x) | 0.5332% | 5,499 |
| Efficiency ratio | 79.2503% | 2,959 |
| Assets per employee ($millions) | 3.5030% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,201 |
| Loan loss allowance to noncurrent loans | 41.2295% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 2.0125% | 3,326 |
| Noncurrent loans to loans | 2.4569% | 3,065 |
| Net loans and leases to total assets | 62.4315% | 5,172 |
| Net loans and leases to deposits | 75.9773% | 5,046 |
| Net loans and leases to core deposits | 98.0564% | 4,592 |
| Total domestic deposits to total assets | 82.1713% | 4,600 |
| Equity capital to assets | 10.5403% | 3,467 |
| Core capital (leverage) ratio | 9.0788% | 4,530 |
| Tier 1 risk-based capital ratio | 13.0496% | 4,156 |
| Total risk-based capital ratio | 13.9811% | 4,318 |
| Memoranda: | ||
| Average total assets | $327,356,250 | 2,086 |
| Average earning assets | $283,507,250 | 2,177 |
| Average equity | $33,676,500 | 2,014 |
| Average total loans | $202,730,500 | 2,292 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8744% | 2,696 |
| Cost of funding earning assets | 2.3317% | 2,230 |
| Net interest margin | 3.5428% | 4,605 |
| Noninterest income to average assets | 0.6613% | 3,254 |
| Noninterest expense to average assets | 3.4068% | 2,606 |
| Loan and lease loss provision to assets | 1.0272% | 1,650 |
| Net operating income to assets | -0.7038% | 6,755 |
| Return on assets (ROA) | -1.1433% | 7,088 |
| Pretax return on assets | -1.1433% | 6,901 |
| Return on Equity (ROE) | -11.2034% | 7,122 |
| Retained earnings to average equity (ytd only) | -11.2034% | 6,985 |
| Net charge-offs to loans | 2.0577% | 901 |
| Credit loss provision to net charge-offs | 81.0940% | 5,162 |
| Earnings coverage of net charge-offs (x) | 0.2553% | 5,415 |
| Efficiency ratio | 89.9951% | 1,813 |
| Assets per employee ($millions) | 3.7365% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 5,584 |
| Loan loss allowance to noncurrent loans | 39.8812% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.1580% | 2,988 |
| Noncurrent loans to loans | 2.7646% | 2,605 |
| Net loans and leases to total assets | 61.1184% | 5,500 |
| Net loans and leases to deposits | 73.6236% | 5,519 |
| Net loans and leases to core deposits | 95.0222% | 5,002 |
| Total domestic deposits to total assets | 83.0146% | 4,227 |
| Equity capital to assets | 9.7928% | 4,221 |
| Core capital (leverage) ratio | 8.7147% | 5,067 |
| Tier 1 risk-based capital ratio | 12.1618% | 4,793 |
| Total risk-based capital ratio | 13.1172% | 4,946 |
| Memoranda: | ||
| Average total assets | $329,049,000 | 2,104 |
| Average earning assets | $285,032,330 | 2,196 |
| Average equity | $33,579,000 | 2,026 |
| Average total loans | $202,553,330 | 2,320 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8686% | 2,945 |
| Cost of funding earning assets | 2.3463% | 2,520 |
| Net interest margin | 3.5223% | 4,641 |
| Noninterest income to average assets | 0.6199% | 3,413 |
| Noninterest expense to average assets | 2.3429% | 6,396 |
| Loan and lease loss provision to assets | 0.5220% | 2,380 |
| Net operating income to assets | 0.6183% | 3,949 |
| Return on assets (ROA) | 0.8760% | 2,960 |
| Pretax return on assets | 1.1370% | 2,843 |
| Return on Equity (ROE) | 8.4176% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.4176% | 1,656 |
| Net charge-offs to loans | 2.0493% | 707 |
| Credit loss provision to net charge-offs | 41.4587% | 4,804 |
| Earnings coverage of net charge-offs (x) | 1.0518% | 4,237 |
| Efficiency ratio | 62.5371% | 5,963 |
| Assets per employee ($millions) | 3.6512% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,288 |
| Loan loss allowance to noncurrent loans | 58.0093% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 3,739 |
| Noncurrent loans to loans | 1.6953% | 3,712 |
| Net loans and leases to total assets | 60.5754% | 5,562 |
| Net loans and leases to deposits | 73.4513% | 5,547 |
| Net loans and leases to core deposits | 94.4410% | 5,121 |
| Total domestic deposits to total assets | 82.4702% | 4,386 |
| Equity capital to assets | 10.4856% | 3,477 |
| Core capital (leverage) ratio | 9.5497% | 3,924 |
| Tier 1 risk-based capital ratio | 12.9756% | 4,192 |
| Total risk-based capital ratio | 13.8189% | 4,422 |
| Memoranda: | ||
| Average total assets | $331,036,500 | 2,105 |
| Average earning assets | $286,407,000 | 2,203 |
| Average equity | $34,451,500 | 1,978 |
| Average total loans | $203,382,500 | 2,331 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2040% | 4,495 |
| Cost of funding earning assets | 2.8331% | 2,569 |
| Net interest margin | 3.3709% | 5,781 |
| Noninterest income to average assets | 0.5224% | 4,449 |
| Noninterest expense to average assets | 2.1142% | 7,202 |
| Loan and lease loss provision to assets | 0.3008% | 3,971 |
| Net operating income to assets | 0.8713% | 3,129 |
| Return on assets (ROA) | 0.8770% | 2,953 |
| Pretax return on assets | 1.1485% | 2,839 |
| Return on Equity (ROE) | 9.9197% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.5624% | 1,316 |
| Net charge-offs to loans | 0.2305% | 3,937 |
| Credit loss provision to net charge-offs | 201.0582% | 2,419 |
| Earnings coverage of net charge-offs (x) | 9.6376% | 2,659 |
| Efficiency ratio | 59.4546% | 6,441 |
| Assets per employee ($millions) | 3.5850% | 4,455 |
| Cash dividends to net income (ytd only)* | 33.8448% | 3,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 3,915 |
| Loan loss allowance to noncurrent loans | 52.5478% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 1.8613% | 2,650 |
| Noncurrent loans to loans | 2.4398% | 2,246 |
| Net loans and leases to total assets | 60.9100% | 5,782 |
| Net loans and leases to deposits | 73.7461% | 5,873 |
| Net loans and leases to core deposits | 96.9252% | 5,159 |
| Total domestic deposits to total assets | 82.5942% | 3,951 |
| Equity capital to assets | 10.3282% | 3,687 |
| Core capital (leverage) ratio | 12.8847% | 1,585 |
| Tier 1 risk-based capital ratio | 13.5697% | 3,776 |
| Total risk-based capital ratio | 14.7365% | 3,727 |
| Memoranda: | ||
| Average total assets | $252,676,400 | 2,535 |
| Average earning assets | $227,385,000 | 2,573 |
| Average equity | $22,339,400 | 2,931 |
| Average total loans | $163,997,400 | 2,713 |