Home > Jackson County Bank > Performance and Condition Ratios
Jackson County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 1,982 |
| Cost of funding earning assets | 1.6835% | 1,484 |
| Net interest margin | 3.3607% | 2,492 |
| Noninterest income to average assets | 1.1800% | 507 |
| Noninterest expense to average assets | 3.2419% | 786 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7729% | 2,970 |
| Return on assets (ROA) | 0.7735% | 2,941 |
| Pretax return on assets | 0.9272% | 2,886 |
| Return on Equity (ROE) | 9.3700% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.4862% | 1,712 |
| Net charge-offs to loans | -0.0059% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.2052% | 1,332 |
| Assets per employee ($millions) | 5.7392% | 3,033 |
| Cash dividends to net income (ytd only)* | 20.0994% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 3,653 |
| Loan loss allowance to noncurrent loans | 294.1528% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 1,983 |
| Noncurrent loans to loans | 0.3125% | 2,074 |
| Net loans and leases to total assets | 77.9800% | 871 |
| Net loans and leases to deposits | 100.2647% | 523 |
| Net loans and leases to core deposits | 107.1416% | 1,064 |
| Total domestic deposits to total assets | 77.7700% | 3,758 |
| Equity capital to assets | 8.2415% | 3,248 |
| Core capital (leverage) ratio | 8.6257% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4325% | 2,734 |
| Memoranda: | ||
| Average total assets | $884,407,000 | 1,100 |
| Average earning assets | $814,325,600 | 1,095 |
| Average equity | $73,014,800 | 1,208 |
| Average total loans | $681,201,800 | 982 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 2,074 |
| Cost of funding earning assets | 1.5072% | 1,583 |
| Net interest margin | 3.3853% | 2,486 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 3.3085% | 714 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7368% | 3,213 |
| Return on assets (ROA) | 0.7376% | 3,201 |
| Pretax return on assets | 0.8736% | 3,165 |
| Return on Equity (ROE) | 8.9300% | 2,949 |
| Retained earnings to average equity (ytd only) | 6.3707% | 2,511 |
| Net charge-offs to loans | -0.0078% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9956% | 1,167 |
| Assets per employee ($millions) | 5.6013% | 3,099 |
| Cash dividends to net income (ytd only)* | 28.6578% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 3,692 |
| Loan loss allowance to noncurrent loans | 216.4532% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 1,712 |
| Noncurrent loans to loans | 0.4205% | 1,778 |
| Net loans and leases to total assets | 77.6400% | 925 |
| Net loans and leases to deposits | 100.0688% | 514 |
| Net loans and leases to core deposits | 103.6666% | 1,138 |
| Total domestic deposits to total assets | 77.5900% | 3,864 |
| Equity capital to assets | 7.7599% | 3,204 |
| Core capital (leverage) ratio | 8.7637% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3600% | 2,762 |
| Memoranda: | ||
| Average total assets | $867,331,000 | 1,117 |
| Average earning assets | $798,174,000 | 1,108 |
| Average equity | $71,639,000 | 1,222 |
| Average total loans | $664,049,250 | 1,007 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 2,081 |
| Cost of funding earning assets | 1.3270% | 1,639 |
| Net interest margin | 3.4329% | 2,438 |
| Noninterest income to average assets | 1.2100% | 434 |
| Noninterest expense to average assets | 3.3370% | 661 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.7862% | 3,119 |
| Return on assets (ROA) | 0.7874% | 3,128 |
| Pretax return on assets | 0.9345% | 3,086 |
| Return on Equity (ROE) | 9.3300% | 2,882 |
| Retained earnings to average equity (ytd only) | 5.4879% | 2,790 |
| Net charge-offs to loans | -0.0099% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.4727% | 1,221 |
| Assets per employee ($millions) | 5.4216% | 3,217 |
| Cash dividends to net income (ytd only)* | 41.1677% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,646 |
| Loan loss allowance to noncurrent loans | 233.3333% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 1,674 |
| Noncurrent loans to loans | 0.4045% | 1,718 |
| Net loans and leases to total assets | 76.2300% | 1,028 |
| Net loans and leases to deposits | 95.3109% | 770 |
| Net loans and leases to core deposits | 98.7548% | 1,305 |
| Total domestic deposits to total assets | 79.9800% | 3,580 |
| Equity capital to assets | 8.3157% | 3,013 |
| Core capital (leverage) ratio | 8.9948% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4423% | 2,775 |
| Memoranda: | ||
| Average total assets | $848,369,667 | 1,130 |
| Average earning assets | $781,614,333 | 1,128 |
| Average equity | $71,612,667 | 1,219 |
| Average total loans | $644,019,667 | 1,017 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,979 |
| Cost of funding earning assets | 1.1573% | 1,566 |
| Net interest margin | 3.4895% | 2,392 |
| Noninterest income to average assets | 1.2600% | 415 |
| Noninterest expense to average assets | 3.3572% | 648 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.8459% | 3,034 |
| Return on assets (ROA) | 0.8475% | 2,983 |
| Pretax return on assets | 1.0083% | 2,965 |
| Return on Equity (ROE) | 9.9600% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.9611% | 1,710 |
| Net charge-offs to loans | -0.0204% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.0657% | 1,332 |
| Assets per employee ($millions) | 5.2463% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 3,656 |
| Loan loss allowance to noncurrent loans | 297.7022% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2473% | 1,882 |
| Noncurrent loans to loans | 0.3240% | 1,988 |
| Net loans and leases to total assets | 75.6100% | 1,008 |
| Net loans and leases to deposits | 91.5911% | 944 |
| Net loans and leases to core deposits | 94.3776% | 1,370 |
| Total domestic deposits to total assets | 82.5500% | 3,394 |
| Equity capital to assets | 8.7322% | 2,712 |
| Core capital (leverage) ratio | 9.1704% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7042% | 2,812 |
| Memoranda: | ||
| Average total assets | $830,690,500 | 1,162 |
| Average earning assets | $766,636,500 | 1,162 |
| Average equity | $70,675,000 | 1,240 |
| Average total loans | $625,987,500 | 1,047 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 2,362 |
| Cost of funding earning assets | 0.5553% | 1,087 |
| Net interest margin | 3.2087% | 2,846 |
| Noninterest income to average assets | 1.2300% | 451 |
| Noninterest expense to average assets | 3.1210% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8992% | 2,967 |
| Return on assets (ROA) | 0.8994% | 2,902 |
| Pretax return on assets | 1.0727% | 2,855 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.9377% | 1,861 |
| Net charge-offs to loans | 0.0033% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 468.5556% | 349 |
| Efficiency ratio | 73.8743% | 1,230 |
| Assets per employee ($millions) | 5.3732% | 3,348 |
| Cash dividends to net income (ytd only)* | 26.5093% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9459% | 3,614 |
| Loan loss allowance to noncurrent loans | 309.0958% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,009 |
| Noncurrent loans to loans | 0.3060% | 2,046 |
| Net loans and leases to total assets | 73.6400% | 1,257 |
| Net loans and leases to deposits | 87.3324% | 1,219 |
| Net loans and leases to core deposits | 89.4879% | 1,532 |
| Total domestic deposits to total assets | 84.3200% | 3,143 |
| Equity capital to assets | 8.2761% | 2,877 |
| Core capital (leverage) ratio | 9.1892% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9126% | 2,755 |
| Memoranda: | ||
| Average total assets | $786,443,200 | 1,200 |
| Average earning assets | $726,223,600 | 1,192 |
| Average equity | $65,484,800 | 1,316 |
| Average total loans | $546,282,600 | 1,111 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 2,420 |
| Cost of funding earning assets | 0.4430% | 1,015 |
| Net interest margin | 3.1270% | 2,842 |
| Noninterest income to average assets | 1.2900% | 438 |
| Noninterest expense to average assets | 3.1121% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8943% | 2,888 |
| Return on assets (ROA) | 0.8943% | 2,868 |
| Pretax return on assets | 1.0678% | 2,817 |
| Return on Equity (ROE) | 10.7200% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.6700% | 1,766 |
| Net charge-offs to loans | 0.0040% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 389.8750% | 392 |
| Efficiency ratio | 73.8963% | 1,282 |
| Assets per employee ($millions) | 5.3381% | 3,389 |
| Cash dividends to net income (ytd only)* | 19.1424% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,474 |
| Loan loss allowance to noncurrent loans | 304.7745% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 2,051 |
| Noncurrent loans to loans | 0.3286% | 2,052 |
| Net loans and leases to total assets | 70.9200% | 1,399 |
| Net loans and leases to deposits | 83.7147% | 1,324 |
| Net loans and leases to core deposits | 85.6868% | 1,539 |
| Total domestic deposits to total assets | 84.7100% | 3,352 |
| Equity capital to assets | 7.6539% | 3,123 |
| Core capital (leverage) ratio | 8.8497% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9703% | 2,824 |
| Memoranda: | ||
| Average total assets | $778,872,500 | 1,213 |
| Average earning assets | $719,019,250 | 1,210 |
| Average equity | $64,957,750 | 1,334 |
| Average total loans | $531,065,250 | 1,125 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 2,521 |
| Cost of funding earning assets | 0.3689% | 1,116 |
| Net interest margin | 2.9999% | 2,870 |
| Noninterest income to average assets | 1.3352% | 394 |
| Noninterest expense to average assets | 3.0913% | 742 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8564% | 2,749 |
| Return on assets (ROA) | 0.8564% | 2,725 |
| Pretax return on assets | 1.0200% | 2,653 |
| Return on Equity (ROE) | 9.9846% | 2,346 |
| Retained earnings to average equity (ytd only) | 6.9627% | 2,002 |
| Net charge-offs to loans | 0.0050% | 1,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 302.6923% | 402 |
| Efficiency ratio | 74.6170% | 1,436 |
| Assets per employee ($millions) | 5.1679% | 3,536 |
| Cash dividends to net income (ytd only)* | 30.2663% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 3,246 |
| Loan loss allowance to noncurrent loans | 218.9714% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 1,609 |
| Noncurrent loans to loans | 0.4926% | 1,642 |
| Net loans and leases to total assets | 69.8682% | 1,310 |
| Net loans and leases to deposits | 79.3910% | 1,429 |
| Net loans and leases to core deposits | 81.6655% | 1,612 |
| Total domestic deposits to total assets | 88.0052% | 2,575 |
| Equity capital to assets | 8.2937% | 2,914 |
| Core capital (leverage) ratio | 8.8220% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3296% | 2,722 |
| Memoranda: | ||
| Average total assets | $771,593,000 | 1,221 |
| Average earning assets | $714,023,000 | 1,227 |
| Average equity | $66,181,667 | 1,341 |
| Average total loans | $516,894,667 | 1,140 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2290% | 2,603 |
| Cost of funding earning assets | 0.3662% | 1,087 |
| Net interest margin | 2.8628% | 2,947 |
| Noninterest income to average assets | 1.4726% | 365 |
| Noninterest expense to average assets | 3.0990% | 690 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8619% | 2,443 |
| Return on assets (ROA) | 0.8619% | 2,433 |
| Pretax return on assets | 1.0270% | 2,362 |
| Return on Equity (ROE) | 9.8906% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.8906% | 1,045 |
| Net charge-offs to loans | 0.0110% | 1,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 143.0714% | 554 |
| Efficiency ratio | 74.5495% | 1,682 |
| Assets per employee ($millions) | 5.2691% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,203 |
| Loan loss allowance to noncurrent loans | 228.4181% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 1,823 |
| Noncurrent loans to loans | 0.4946% | 1,789 |
| Net loans and leases to total assets | 64.4920% | 1,555 |
| Net loans and leases to deposits | 74.3823% | 1,569 |
| Net loans and leases to core deposits | 76.4433% | 1,748 |
| Total domestic deposits to total assets | 86.7035% | 3,036 |
| Equity capital to assets | 8.3944% | 3,244 |
| Core capital (leverage) ratio | 8.8443% | 3,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0458% | 2,590 |
| Memoranda: | ||
| Average total assets | $780,133,500 | 1,214 |
| Average earning assets | $723,076,000 | 1,221 |
| Average equity | $67,984,000 | 1,360 |
| Average total loans | $508,886,000 | 1,148 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 2,538 |
| Cost of funding earning assets | 0.4660% | 1,091 |
| Net interest margin | 3.0759% | 2,982 |
| Noninterest income to average assets | 1.6267% | 426 |
| Noninterest expense to average assets | 3.1624% | 771 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0939% | 2,316 |
| Return on assets (ROA) | 1.1306% | 2,223 |
| Pretax return on assets | 1.3626% | 2,165 |
| Return on Equity (ROE) | 12.2816% | 1,720 |
| Retained earnings to average equity (ytd only) | 9.6284% | 1,009 |
| Net charge-offs to loans | -0.0292% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0260% | 1,727 |
| Assets per employee ($millions) | 5.4576% | 3,299 |
| Cash dividends to net income (ytd only)* | 21.6035% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,219 |
| Loan loss allowance to noncurrent loans | 207.3794% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,802 |
| Noncurrent loans to loans | 0.5457% | 1,760 |
| Net loans and leases to total assets | 64.4941% | 1,650 |
| Net loans and leases to deposits | 77.2199% | 1,474 |
| Net loans and leases to core deposits | 79.5393% | 1,639 |
| Total domestic deposits to total assets | 83.5201% | 3,686 |
| Equity capital to assets | 9.0341% | 3,586 |
| Core capital (leverage) ratio | 8.8063% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0692% | 2,605 |
| Memoranda: | ||
| Average total assets | $736,967,400 | 1,240 |
| Average earning assets | $683,841,600 | 1,241 |
| Average equity | $67,841,200 | 1,385 |
| Average total loans | $507,305,200 | 1,150 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6312% | 2,470 |
| Cost of funding earning assets | 0.4838% | 1,139 |
| Net interest margin | 3.1474% | 2,912 |
| Noninterest income to average assets | 1.6838% | 446 |
| Noninterest expense to average assets | 3.1932% | 723 |
| Loan and lease loss provision to assets | 0.0368% | 2,255 |
| Net operating income to assets | 1.1380% | 2,412 |
| Return on assets (ROA) | 1.1877% | 2,267 |
| Pretax return on assets | 1.4343% | 2,198 |
| Return on Equity (ROE) | 12.8378% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.7835% | 1,108 |
| Net charge-offs to loans | -0.0392% | 4,248 |
| Credit loss provision to net charge-offs | -134.2282% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8096% | 1,727 |
| Assets per employee ($millions) | 5.1742% | 3,530 |
| Cash dividends to net income (ytd only)* | 16.0019% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,927 |
| Loan loss allowance to noncurrent loans | 202.3761% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 1,857 |
| Noncurrent loans to loans | 0.5998% | 1,811 |
| Net loans and leases to total assets | 65.5767% | 1,587 |
| Net loans and leases to deposits | 80.1520% | 1,282 |
| Net loans and leases to core deposits | 82.8230% | 1,512 |
| Total domestic deposits to total assets | 81.8154% | 3,958 |
| Equity capital to assets | 9.3528% | 3,508 |
| Core capital (leverage) ratio | 8.8304% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4675% | 2,559 |
| Memoranda: | ||
| Average total assets | $726,099,250 | 1,269 |
| Average earning assets | $673,772,500 | 1,274 |
| Average equity | $67,175,000 | 1,405 |
| Average total loans | $506,856,750 | 1,171 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 2,454 |
| Cost of funding earning assets | 0.4926% | 1,244 |
| Net interest margin | 3.1630% | 2,866 |
| Noninterest income to average assets | 1.7273% | 421 |
| Noninterest expense to average assets | 3.2083% | 705 |
| Loan and lease loss provision to assets | 0.0554% | 1,919 |
| Net operating income to assets | 1.1583% | 2,340 |
| Return on assets (ROA) | 1.2333% | 2,136 |
| Pretax return on assets | 1.4927% | 2,038 |
| Return on Equity (ROE) | 13.3807% | 1,598 |
| Retained earnings to average equity (ytd only) | 10.2678% | 1,320 |
| Net charge-offs to loans | -0.0590% | 4,439 |
| Credit loss provision to net charge-offs | -132.4503% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2172% | 1,856 |
| Assets per employee ($millions) | 5.2559% | 3,401 |
| Cash dividends to net income (ytd only)* | 23.2637% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 3,133 |
| Loan loss allowance to noncurrent loans | 231.7016% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 2,184 |
| Noncurrent loans to loans | 0.5011% | 2,176 |
| Net loans and leases to total assets | 69.4879% | 1,265 |
| Net loans and leases to deposits | 84.9510% | 993 |
| Net loans and leases to core deposits | 87.8780% | 1,270 |
| Total domestic deposits to total assets | 81.7976% | 3,959 |
| Equity capital to assets | 9.2714% | 3,538 |
| Core capital (leverage) ratio | 8.6946% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8365% | 2,763 |
| Memoranda: | ||
| Average total assets | $721,493,333 | 1,264 |
| Average earning assets | $670,385,000 | 1,275 |
| Average equity | $66,499,000 | 1,409 |
| Average total loans | $512,084,000 | 1,161 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 2,517 |
| Cost of funding earning assets | 0.5053% | 1,359 |
| Net interest margin | 3.1365% | 2,888 |
| Noninterest income to average assets | 1.8534% | 419 |
| Noninterest expense to average assets | 3.2426% | 663 |
| Loan and lease loss provision to assets | 0.1116% | 1,244 |
| Net operating income to assets | 1.1707% | 2,262 |
| Return on assets (ROA) | 1.2531% | 2,048 |
| Pretax return on assets | 1.5192% | 1,945 |
| Return on Equity (ROE) | 13.6366% | 1,507 |
| Retained earnings to average equity (ytd only) | 13.6366% | 796 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4109% | 2,013 |
| Assets per employee ($millions) | 5.1742% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,228 |
| Loan loss allowance to noncurrent loans | 150.8303% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 1,796 |
| Noncurrent loans to loans | 0.7581% | 1,720 |
| Net loans and leases to total assets | 68.8872% | 1,415 |
| Net loans and leases to deposits | 84.4074% | 1,103 |
| Net loans and leases to core deposits | 87.4444% | 1,418 |
| Total domestic deposits to total assets | 81.6127% | 3,969 |
| Equity capital to assets | 9.0991% | 3,593 |
| Core capital (leverage) ratio | 8.6652% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2689% | 2,571 |
| Memoranda: | ||
| Average total assets | $716,956,000 | 1,262 |
| Average earning assets | $667,377,500 | 1,265 |
| Average equity | $65,881,500 | 1,413 |
| Average total loans | $511,316,000 | 1,165 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8841% | 3,070 |
| Cost of funding earning assets | 0.6936% | 1,747 |
| Net interest margin | 3.1906% | 3,386 |
| Noninterest income to average assets | 1.8223% | 385 |
| Noninterest expense to average assets | 3.3443% | 850 |
| Loan and lease loss provision to assets | 0.2756% | 1,393 |
| Net operating income to assets | 0.9862% | 2,344 |
| Return on assets (ROA) | 0.9862% | 2,484 |
| Pretax return on assets | 1.1827% | 2,391 |
| Return on Equity (ROE) | 10.2483% | 1,911 |
| Retained earnings to average equity (ytd only) | 6.8916% | 1,432 |
| Net charge-offs to loans | 0.0037% | 3,231 |
| Credit loss provision to net charge-offs | 10,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 529.2222% | 219 |
| Efficiency ratio | 69.0552% | 2,086 |
| Assets per employee ($millions) | 5.1790% | 3,189 |
| Cash dividends to net income (ytd only)* | 32.7538% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,502 |
| Loan loss allowance to noncurrent loans | 138.5584% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 1,837 |
| Noncurrent loans to loans | 0.7878% | 1,762 |
| Net loans and leases to total assets | 72.2129% | 1,266 |
| Net loans and leases to deposits | 88.8303% | 1,017 |
| Net loans and leases to core deposits | 91.9304% | 1,390 |
| Total domestic deposits to total assets | 81.2931% | 3,808 |
| Equity capital to assets | 9.2822% | 3,805 |
| Core capital (leverage) ratio | 8.6377% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6373% | 2,757 |
| Memoranda: | ||
| Average total assets | $653,237,400 | 1,251 |
| Average earning assets | $610,176,000 | 1,244 |
| Average equity | $62,859,200 | 1,396 |
| Average total loans | $480,409,200 | 1,180 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9242% | 3,180 |
| Cost of funding earning assets | 0.7383% | 1,813 |
| Net interest margin | 3.1859% | 3,527 |
| Noninterest income to average assets | 1.7714% | 380 |
| Noninterest expense to average assets | 3.2842% | 930 |
| Loan and lease loss provision to assets | 0.2915% | 1,389 |
| Net operating income to assets | 0.9797% | 2,410 |
| Return on assets (ROA) | 0.9797% | 2,553 |
| Pretax return on assets | 1.1754% | 2,469 |
| Return on Equity (ROE) | 10.0829% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.4047% | 1,534 |
| Net charge-offs to loans | 0.0008% | 3,212 |
| Credit loss provision to net charge-offs | 46,666.6667% | 20 |
| Earnings coverage of net charge-offs (x) | 2,348.6667% | 41 |
| Efficiency ratio | 68.5304% | 2,107 |
| Assets per employee ($millions) | 5.0526% | 3,177 |
| Cash dividends to net income (ytd only)* | 26.5618% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,442 |
| Loan loss allowance to noncurrent loans | 170.2377% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,372 |
| Noncurrent loans to loans | 0.6186% | 2,254 |
| Net loans and leases to total assets | 72.5506% | 1,580 |
| Net loans and leases to deposits | 90.0885% | 1,253 |
| Net loans and leases to core deposits | 93.3080% | 1,688 |
| Total domestic deposits to total assets | 80.5326% | 3,762 |
| Equity capital to assets | 9.5373% | 3,655 |
| Core capital (leverage) ratio | 8.6624% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9691% | 2,623 |
| Memoranda: | ||
| Average total assets | $640,459,750 | 1,252 |
| Average earning assets | $599,001,000 | 1,244 |
| Average equity | $62,229,250 | 1,398 |
| Average total loans | $471,950,750 | 1,188 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 3,312 |
| Cost of funding earning assets | 0.7789% | 1,938 |
| Net interest margin | 3.2247% | 3,595 |
| Noninterest income to average assets | 1.4701% | 485 |
| Noninterest expense to average assets | 3.1382% | 1,270 |
| Loan and lease loss provision to assets | 0.2228% | 1,878 |
| Net operating income to assets | 0.9397% | 2,541 |
| Return on assets (ROA) | 0.9397% | 2,670 |
| Pretax return on assets | 1.1247% | 2,637 |
| Return on Equity (ROE) | 9.6081% | 2,110 |
| Retained earnings to average equity (ytd only) | 5.5396% | 2,262 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3137% | 2,045 |
| Assets per employee ($millions) | 5.2169% | 2,910 |
| Cash dividends to net income (ytd only)* | 42.3442% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 3,980 |
| Loan loss allowance to noncurrent loans | 143.4769% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 2,473 |
| Noncurrent loans to loans | 0.6314% | 2,283 |
| Net loans and leases to total assets | 72.5186% | 1,621 |
| Net loans and leases to deposits | 90.2284% | 1,334 |
| Net loans and leases to core deposits | 94.2871% | 1,716 |
| Total domestic deposits to total assets | 80.3722% | 3,756 |
| Equity capital to assets | 9.1821% | 3,940 |
| Core capital (leverage) ratio | 8.6313% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5794% | 2,780 |
| Memoranda: | ||
| Average total assets | $628,263,333 | 1,254 |
| Average earning assets | $587,526,000 | 1,241 |
| Average equity | $61,448,333 | 1,398 |
| Average total loans | $463,790,667 | 1,186 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 3,352 |
| Cost of funding earning assets | 0.8489% | 2,116 |
| Net interest margin | 3.3094% | 3,568 |
| Noninterest income to average assets | 1.3338% | 501 |
| Noninterest expense to average assets | 3.0831% | 1,680 |
| Loan and lease loss provision to assets | 0.1165% | 2,232 |
| Net operating income to assets | 1.0208% | 2,110 |
| Return on assets (ROA) | 1.0208% | 2,213 |
| Pretax return on assets | 1.2259% | 2,109 |
| Return on Equity (ROE) | 10.0861% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.0861% | 734 |
| Net charge-offs to loans | 0.0009% | 2,565 |
| Credit loss provision to net charge-offs | 17,500.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 2,016.0000% | 14 |
| Efficiency ratio | 68.9889% | 2,509 |
| Assets per employee ($millions) | 4.8555% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 4,175 |
| Loan loss allowance to noncurrent loans | 136.6428% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 2,568 |
| Noncurrent loans to loans | 0.6460% | 2,375 |
| Net loans and leases to total assets | 73.5114% | 1,693 |
| Net loans and leases to deposits | 94.2343% | 1,056 |
| Net loans and leases to core deposits | 99.2608% | 1,532 |
| Total domestic deposits to total assets | 78.0092% | 4,218 |
| Equity capital to assets | 10.1395% | 3,662 |
| Core capital (leverage) ratio | 9.4491% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7820% | 2,812 |
| Memoranda: | ||
| Average total assets | $600,686,000 | 1,260 |
| Average earning assets | $561,196,500 | 1,252 |
| Average equity | $60,796,500 | 1,406 |
| Average total loans | $445,618,000 | 1,192 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,782 |
| Cost of funding earning assets | 0.8780% | 2,296 |
| Net interest margin | 3.3355% | 3,905 |
| Noninterest income to average assets | 1.4227% | 468 |
| Noninterest expense to average assets | 3.3508% | 1,201 |
| Loan and lease loss provision to assets | 0.0726% | 2,546 |
| Net operating income to assets | 0.9208% | 3,120 |
| Return on assets (ROA) | 0.9148% | 3,228 |
| Pretax return on assets | 1.0913% | 3,191 |
| Return on Equity (ROE) | 9.2510% | 2,641 |
| Retained earnings to average equity (ytd only) | 5.1465% | 2,342 |
| Net charge-offs to loans | 0.0708% | 2,087 |
| Credit loss provision to net charge-offs | 140.2640% | 1,846 |
| Earnings coverage of net charge-offs (x) | 22.6172% | 1,843 |
| Efficiency ratio | 73.4137% | 1,669 |
| Assets per employee ($millions) | 4.3352% | 3,455 |
| Cash dividends to net income (ytd only)* | 44.3676% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 4,064 |
| Loan loss allowance to noncurrent loans | 132.8824% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 2,333 |
| Noncurrent loans to loans | 0.6590% | 2,243 |
| Net loans and leases to total assets | 73.5546% | 1,830 |
| Net loans and leases to deposits | 93.7820% | 1,179 |
| Net loans and leases to core deposits | 100.1360% | 1,549 |
| Total domestic deposits to total assets | 78.4314% | 4,289 |
| Equity capital to assets | 10.1022% | 3,831 |
| Core capital (leverage) ratio | 9.2941% | 4,288 |
| Tier 1 risk-based capital ratio | 11.9890% | 4,374 |
| Total risk-based capital ratio | 12.8268% | 4,470 |
| Memoranda: | ||
| Average total assets | $585,171,000 | 1,242 |
| Average earning assets | $543,730,600 | 1,251 |
| Average equity | $57,864,200 | 1,402 |
| Average total loans | $427,745,600 | 1,203 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 3,898 |
| Cost of funding earning assets | 0.8707% | 2,365 |
| Net interest margin | 3.3395% | 4,014 |
| Noninterest income to average assets | 1.4247% | 450 |
| Noninterest expense to average assets | 3.3452% | 1,191 |
| Loan and lease loss provision to assets | 0.0685% | 2,506 |
| Net operating income to assets | 0.9308% | 3,227 |
| Return on assets (ROA) | 0.9227% | 3,340 |
| Pretax return on assets | 1.1017% | 3,292 |
| Return on Equity (ROE) | 9.3823% | 2,727 |
| Retained earnings to average equity (ytd only) | 7.6994% | 1,539 |
| Net charge-offs to loans | 0.0483% | 2,146 |
| Credit loss provision to net charge-offs | 194.8052% | 1,345 |
| Earnings coverage of net charge-offs (x) | 33.5581% | 1,525 |
| Efficiency ratio | 73.2419% | 1,665 |
| Assets per employee ($millions) | 4.3960% | 3,344 |
| Cash dividends to net income (ytd only)* | 17.9366% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,108 |
| Loan loss allowance to noncurrent loans | 125.2030% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 2,357 |
| Noncurrent loans to loans | 0.7071% | 2,189 |
| Net loans and leases to total assets | 72.7227% | 2,044 |
| Net loans and leases to deposits | 93.5440% | 1,265 |
| Net loans and leases to core deposits | 99.8778% | 1,660 |
| Total domestic deposits to total assets | 77.7417% | 4,401 |
| Equity capital to assets | 10.1427% | 3,877 |
| Core capital (leverage) ratio | 9.4311% | 4,248 |
| Tier 1 risk-based capital ratio | 12.1168% | 4,356 |
| Total risk-based capital ratio | 12.9644% | 4,463 |
| Memoranda: | ||
| Average total assets | $584,067,750 | 1,248 |
| Average earning assets | $542,220,500 | 1,253 |
| Average equity | $57,440,000 | 1,412 |
| Average total loans | $425,307,750 | 1,215 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 3,942 |
| Cost of funding earning assets | 0.8567% | 2,371 |
| Net interest margin | 3.3377% | 4,055 |
| Noninterest income to average assets | 1.1509% | 644 |
| Noninterest expense to average assets | 3.1911% | 1,531 |
| Loan and lease loss provision to assets | 0.0689% | 2,443 |
| Net operating income to assets | 0.8336% | 3,529 |
| Return on assets (ROA) | 0.8214% | 3,636 |
| Pretax return on assets | 0.9736% | 3,632 |
| Return on Equity (ROE) | 8.4427% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.8773% | 2,338 |
| Net charge-offs to loans | 0.0735% | 1,635 |
| Credit loss provision to net charge-offs | 129.0323% | 1,671 |
| Earnings coverage of net charge-offs (x) | 19.8065% | 1,803 |
| Efficiency ratio | 74.3820% | 1,596 |
| Assets per employee ($millions) | 4.4320% | 3,241 |
| Cash dividends to net income (ytd only)* | 30.3856% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,143 |
| Loan loss allowance to noncurrent loans | 120.8628% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,343 |
| Noncurrent loans to loans | 0.7353% | 2,149 |
| Net loans and leases to total assets | 71.0257% | 2,377 |
| Net loans and leases to deposits | 89.5452% | 1,791 |
| Net loans and leases to core deposits | 94.7465% | 2,183 |
| Total domestic deposits to total assets | 79.3183% | 4,157 |
| Equity capital to assets | 9.8211% | 4,120 |
| Core capital (leverage) ratio | 9.1939% | 4,464 |
| Tier 1 risk-based capital ratio | 11.9520% | 4,446 |
| Total risk-based capital ratio | 12.7920% | 4,554 |
| Memoranda: | ||
| Average total assets | $580,935,670 | 1,256 |
| Average earning assets | $539,059,670 | 1,257 |
| Average equity | $56,522,330 | 1,420 |
| Average total loans | $421,931,000 | 1,226 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 3,913 |
| Cost of funding earning assets | 0.8439% | 2,307 |
| Net interest margin | 3.3418% | 4,058 |
| Noninterest income to average assets | 1.1230% | 646 |
| Noninterest expense to average assets | 3.1241% | 1,678 |
| Loan and lease loss provision to assets | 0.0867% | 1,974 |
| Net operating income to assets | 0.8498% | 3,453 |
| Return on assets (ROA) | 0.8358% | 3,538 |
| Pretax return on assets | 0.9912% | 3,468 |
| Return on Equity (ROE) | 8.6321% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.6321% | 1,437 |
| Net charge-offs to loans | 0.1413% | 900 |
| Credit loss provision to net charge-offs | 83.8926% | 1,757 |
| Earnings coverage of net charge-offs (x) | 10.5906% | 1,952 |
| Efficiency ratio | 73.3147% | 1,839 |
| Assets per employee ($millions) | 4.4359% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,262 |
| Loan loss allowance to noncurrent loans | 110.5942% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 2,269 |
| Noncurrent loans to loans | 0.7901% | 2,063 |
| Net loans and leases to total assets | 71.3974% | 2,274 |
| Net loans and leases to deposits | 89.6487% | 1,669 |
| Net loans and leases to core deposits | 94.6745% | 2,066 |
| Total domestic deposits to total assets | 79.6413% | 4,230 |
| Equity capital to assets | 9.7125% | 4,082 |
| Core capital (leverage) ratio | 9.2204% | 4,449 |
| Tier 1 risk-based capital ratio | 11.7296% | 4,605 |
| Total risk-based capital ratio | 12.5465% | 4,750 |
| Memoranda: | ||
| Average total assets | $576,675,000 | 1,265 |
| Average earning assets | $534,195,500 | 1,268 |
| Average equity | $55,838,000 | 1,431 |
| Average total loans | $421,686,500 | 1,231 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 4,090 |
| Cost of funding earning assets | 0.6786% | 2,220 |
| Net interest margin | 3.2980% | 4,261 |
| Noninterest income to average assets | 1.1636% | 683 |
| Noninterest expense to average assets | 3.2610% | 1,414 |
| Loan and lease loss provision to assets | 0.0923% | 2,307 |
| Net operating income to assets | 0.7502% | 3,969 |
| Return on assets (ROA) | 0.7490% | 3,975 |
| Pretax return on assets | 0.8795% | 3,949 |
| Return on Equity (ROE) | 7.9244% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.5076% | 1,918 |
| Net charge-offs to loans | -0.0132% | 4,574 |
| Credit loss provision to net charge-offs | -961.5385% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0130% | 1,236 |
| Assets per employee ($millions) | 4.5065% | 3,159 |
| Cash dividends to net income (ytd only)* | 17.8792% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 4,247 |
| Loan loss allowance to noncurrent loans | 95.2980% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 1,929 |
| Noncurrent loans to loans | 0.9231% | 1,738 |
| Net loans and leases to total assets | 73.6019% | 1,991 |
| Net loans and leases to deposits | 94.4021% | 1,237 |
| Net loans and leases to core deposits | 99.1443% | 1,784 |
| Total domestic deposits to total assets | 77.9663% | 4,497 |
| Equity capital to assets | 9.6521% | 4,006 |
| Core capital (leverage) ratio | 9.2650% | 4,384 |
| Tier 1 risk-based capital ratio | 11.5451% | 4,702 |
| Total risk-based capital ratio | 12.3739% | 4,814 |
| Memoranda: | ||
| Average total assets | $541,423,600 | 1,311 |
| Average earning assets | $504,121,000 | 1,305 |
| Average equity | $51,170,800 | 1,482 |
| Average total loans | $392,693,200 | 1,275 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,190 |
| Cost of funding earning assets | 0.6292% | 2,278 |
| Net interest margin | 3.2796% | 4,338 |
| Noninterest income to average assets | 1.0897% | 792 |
| Noninterest expense to average assets | 3.1556% | 1,628 |
| Loan and lease loss provision to assets | 0.0810% | 2,335 |
| Net operating income to assets | 0.7790% | 3,977 |
| Return on assets (ROA) | 0.7773% | 3,991 |
| Pretax return on assets | 0.9149% | 3,963 |
| Return on Equity (ROE) | 8.2711% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.3479% | 2,458 |
| Net charge-offs to loans | -0.0190% | 4,610 |
| Credit loss provision to net charge-offs | -590.9091% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9738% | 1,353 |
| Assets per employee ($millions) | 4.4522% | 3,194 |
| Cash dividends to net income (ytd only)* | 23.2520% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,405 |
| Loan loss allowance to noncurrent loans | 95.8796% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7967% | 1,858 |
| Noncurrent loans to loans | 0.8996% | 1,901 |
| Net loans and leases to total assets | 73.0458% | 2,158 |
| Net loans and leases to deposits | 90.8241% | 1,792 |
| Net loans and leases to core deposits | 95.7335% | 2,142 |
| Total domestic deposits to total assets | 80.4255% | 4,015 |
| Equity capital to assets | 9.4952% | 4,082 |
| Core capital (leverage) ratio | 9.3797% | 4,302 |
| Tier 1 risk-based capital ratio | 11.6008% | 4,732 |
| Total risk-based capital ratio | 12.4105% | 4,864 |
| Memoranda: | ||
| Average total assets | $534,826,250 | 1,324 |
| Average earning assets | $499,636,750 | 1,312 |
| Average equity | $50,262,000 | 1,517 |
| Average total loans | $385,459,000 | 1,294 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,176 |
| Cost of funding earning assets | 0.5918% | 2,282 |
| Net interest margin | 3.2720% | 4,326 |
| Noninterest income to average assets | 0.9159% | 1,138 |
| Noninterest expense to average assets | 3.0178% | 1,997 |
| Loan and lease loss provision to assets | 0.0379% | 3,154 |
| Net operating income to assets | 0.7831% | 3,914 |
| Return on assets (ROA) | 0.7805% | 3,922 |
| Pretax return on assets | 0.9170% | 3,920 |
| Return on Equity (ROE) | 8.3358% | 3,344 |
| Retained earnings to average equity (ytd only) | 5.4006% | 2,874 |
| Net charge-offs to loans | -0.0307% | 4,745 |
| Credit loss provision to net charge-offs | -172.4138% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9058% | 1,436 |
| Assets per employee ($millions) | 4.3672% | 3,325 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,517 |
| Loan loss allowance to noncurrent loans | 92.5719% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8154% | 1,834 |
| Noncurrent loans to loans | 0.9285% | 1,867 |
| Net loans and leases to total assets | 71.1771% | 2,413 |
| Net loans and leases to deposits | 89.5129% | 1,910 |
| Net loans and leases to core deposits | 92.2858% | 2,378 |
| Total domestic deposits to total assets | 79.5160% | 4,345 |
| Equity capital to assets | 9.6789% | 3,936 |
| Core capital (leverage) ratio | 9.4610% | 4,158 |
| Tier 1 risk-based capital ratio | 11.8191% | 4,609 |
| Total risk-based capital ratio | 12.6097% | 4,765 |
| Memoranda: | ||
| Average total assets | $527,594,670 | 1,343 |
| Average earning assets | $493,401,330 | 1,328 |
| Average equity | $49,401,670 | 1,546 |
| Average total loans | $377,261,330 | 1,316 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,194 |
| Cost of funding earning assets | 0.5673% | 2,268 |
| Net interest margin | 3.2403% | 4,340 |
| Noninterest income to average assets | 0.9089% | 1,125 |
| Noninterest expense to average assets | 3.0000% | 2,061 |
| Loan and lease loss provision to assets | 0.0191% | 3,285 |
| Net operating income to assets | 0.7887% | 3,759 |
| Return on assets (ROA) | 0.7835% | 3,775 |
| Pretax return on assets | 0.9212% | 3,780 |
| Return on Equity (ROE) | 8.5144% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.5144% | 1,659 |
| Net charge-offs to loans | -0.0600% | 5,051 |
| Credit loss provision to net charge-offs | -44.6429% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0178% | 1,592 |
| Assets per employee ($millions) | 4.3814% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 4,619 |
| Loan loss allowance to noncurrent loans | 84.6979% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 1,830 |
| Noncurrent loans to loans | 1.0107% | 1,805 |
| Net loans and leases to total assets | 70.1564% | 2,459 |
| Net loans and leases to deposits | 85.6974% | 2,202 |
| Net loans and leases to core deposits | 87.2392% | 2,700 |
| Total domestic deposits to total assets | 81.8652% | 4,004 |
| Equity capital to assets | 9.0267% | 4,530 |
| Core capital (leverage) ratio | 9.5392% | 4,023 |
| Tier 1 risk-based capital ratio | 12.1641% | 4,454 |
| Total risk-based capital ratio | 12.9514% | 4,628 |
| Memoranda: | ||
| Average total assets | $522,807,000 | 1,366 |
| Average earning assets | $490,071,000 | 1,348 |
| Average equity | $48,106,500 | 1,576 |
| Average total loans | $373,063,500 | 1,329 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5404% | 4,713 |
| Cost of funding earning assets | 0.5375% | 2,054 |
| Net interest margin | 3.0029% | 4,876 |
| Noninterest income to average assets | 1.0539% | 914 |
| Noninterest expense to average assets | 2.9067% | 2,436 |
| Loan and lease loss provision to assets | 0.0932% | 2,338 |
| Net operating income to assets | 0.5557% | 4,208 |
| Return on assets (ROA) | 0.5719% | 4,173 |
| Pretax return on assets | 0.8615% | 4,044 |
| Return on Equity (ROE) | 6.0792% | 3,727 |
| Retained earnings to average equity (ytd only) | 3.1084% | 3,434 |
| Net charge-offs to loans | 0.0171% | 3,524 |
| Credit loss provision to net charge-offs | 791.6667% | 428 |
| Earnings coverage of net charge-offs (x) | 79.0500% | 779 |
| Efficiency ratio | 75.7577% | 1,657 |
| Assets per employee ($millions) | 4.2948% | 3,492 |
| Cash dividends to net income (ytd only)* | 48.8683% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 4,638 |
| Loan loss allowance to noncurrent loans | 70.5633% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.0362% | 1,473 |
| Noncurrent loans to loans | 1.2162% | 1,453 |
| Net loans and leases to total assets | 71.3631% | 2,330 |
| Net loans and leases to deposits | 87.7155% | 2,048 |
| Net loans and leases to core deposits | 89.1597% | 2,640 |
| Total domestic deposits to total assets | 81.3574% | 4,036 |
| Equity capital to assets | 9.3845% | 4,349 |
| Core capital (leverage) ratio | 9.5357% | 3,995 |
| Tier 1 risk-based capital ratio | 12.2649% | 4,356 |
| Total risk-based capital ratio | 13.0562% | 4,537 |
| Memoranda: | ||
| Average total assets | $509,923,800 | 1,372 |
| Average earning assets | $472,573,600 | 1,377 |
| Average equity | $47,967,200 | 1,566 |
| Average total loans | $350,340,600 | 1,375 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 4,818 |
| Cost of funding earning assets | 0.5276% | 2,056 |
| Net interest margin | 2.9703% | 4,985 |
| Noninterest income to average assets | 1.0303% | 962 |
| Noninterest expense to average assets | 2.8686% | 2,510 |
| Loan and lease loss provision to assets | 0.0850% | 2,392 |
| Net operating income to assets | 0.6743% | 4,105 |
| Return on assets (ROA) | 0.7011% | 4,036 |
| Pretax return on assets | 0.8550% | 4,197 |
| Return on Equity (ROE) | 7.4491% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.5035% | 2,540 |
| Net charge-offs to loans | 0.0066% | 3,497 |
| Credit loss provision to net charge-offs | 1,911.7647% | 210 |
| Earnings coverage of net charge-offs (x) | 203.9647% | 427 |
| Efficiency ratio | 75.9717% | 1,597 |
| Assets per employee ($millions) | 4.3844% | 3,335 |
| Cash dividends to net income (ytd only)* | 26.1194% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 4,764 |
| Loan loss allowance to noncurrent loans | 67.3438% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 1,618 |
| Noncurrent loans to loans | 1.2586% | 1,519 |
| Net loans and leases to total assets | 69.5569% | 2,623 |
| Net loans and leases to deposits | 86.4291% | 2,249 |
| Net loans and leases to core deposits | 87.8605% | 2,787 |
| Total domestic deposits to total assets | 80.4786% | 4,214 |
| Equity capital to assets | 9.5737% | 4,372 |
| Core capital (leverage) ratio | 9.7045% | 3,931 |
| Tier 1 risk-based capital ratio | 13.5583% | 3,670 |
| Total risk-based capital ratio | 14.3856% | 3,824 |
| Memoranda: | ||
| Average total assets | $509,635,250 | 1,386 |
| Average earning assets | $471,091,250 | 1,390 |
| Average equity | $47,968,500 | 1,585 |
| Average total loans | $345,956,250 | 1,396 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 4,897 |
| Cost of funding earning assets | 0.5048% | 2,131 |
| Net interest margin | 2.9369% | 5,028 |
| Noninterest income to average assets | 1.0784% | 859 |
| Noninterest expense to average assets | 2.8298% | 2,647 |
| Loan and lease loss provision to assets | 0.1082% | 1,886 |
| Net operating income to assets | 0.7095% | 3,800 |
| Return on assets (ROA) | 0.7508% | 3,690 |
| Pretax return on assets | 0.8987% | 3,939 |
| Return on Equity (ROE) | 8.0230% | 3,019 |
| Retained earnings to average equity (ytd only) | 5.0811% | 2,658 |
| Net charge-offs to loans | 0.0105% | 3,083 |
| Credit loss provision to net charge-offs | 1,527.7778% | 269 |
| Earnings coverage of net charge-offs (x) | 135.2778% | 536 |
| Efficiency ratio | 74.7144% | 1,896 |
| Assets per employee ($millions) | 4.4809% | 3,144 |
| Cash dividends to net income (ytd only)* | 36.6684% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,784 |
| Loan loss allowance to noncurrent loans | 57.9517% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 1,196 |
| Noncurrent loans to loans | 1.4864% | 1,265 |
| Net loans and leases to total assets | 66.9831% | 2,953 |
| Net loans and leases to deposits | 83.3868% | 2,557 |
| Net loans and leases to core deposits | 84.6581% | 2,994 |
| Total domestic deposits to total assets | 80.3281% | 4,343 |
| Equity capital to assets | 9.3810% | 4,536 |
| Core capital (leverage) ratio | 9.6314% | 3,984 |
| Tier 1 risk-based capital ratio | 13.6381% | 3,620 |
| Total risk-based capital ratio | 14.4691% | 3,770 |
| Memoranda: | ||
| Average total assets | $508,523,670 | 1,394 |
| Average earning assets | $469,061,000 | 1,405 |
| Average equity | $47,588,000 | 1,599 |
| Average total loans | $341,323,000 | 1,413 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 4,940 |
| Cost of funding earning assets | 0.4868% | 2,190 |
| Net interest margin | 2.9053% | 5,073 |
| Noninterest income to average assets | 1.2543% | 655 |
| Noninterest expense to average assets | 2.8341% | 2,672 |
| Loan and lease loss provision to assets | 0.1386% | 1,372 |
| Net operating income to assets | 0.8608% | 2,940 |
| Return on assets (ROA) | 0.8608% | 2,983 |
| Pretax return on assets | 0.9803% | 3,454 |
| Return on Equity (ROE) | 9.2095% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.2095% | 1,014 |
| Net charge-offs to loans | 0.0201% | 2,379 |
| Credit loss provision to net charge-offs | 1,029.4118% | 306 |
| Earnings coverage of net charge-offs (x) | 83.1176% | 636 |
| Efficiency ratio | 71.6947% | 2,628 |
| Assets per employee ($millions) | 4.5124% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,935 |
| Loan loss allowance to noncurrent loans | 53.5253% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 1.7719% | 815 |
| Noncurrent loans to loans | 1.5809% | 1,235 |
| Net loans and leases to total assets | 66.0578% | 2,960 |
| Net loans and leases to deposits | 81.5341% | 2,567 |
| Net loans and leases to core deposits | 82.7668% | 3,014 |
| Total domestic deposits to total assets | 81.0185% | 4,410 |
| Equity capital to assets | 9.3132% | 4,497 |
| Core capital (leverage) ratio | 9.6494% | 3,928 |
| Tier 1 risk-based capital ratio | 13.8453% | 3,579 |
| Total risk-based capital ratio | 14.6631% | 3,745 |
| Memoranda: | ||
| Average total assets | $505,136,000 | 1,408 |
| Average earning assets | $469,206,000 | 1,410 |
| Average equity | $47,212,000 | 1,606 |
| Average total loans | $337,903,500 | 1,429 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 5,234 |
| Cost of funding earning assets | 0.4810% | 2,247 |
| Net interest margin | 2.7723% | 5,330 |
| Noninterest income to average assets | 0.9461% | 1,271 |
| Noninterest expense to average assets | 2.8226% | 2,952 |
| Loan and lease loss provision to assets | 0.0795% | 2,772 |
| Net operating income to assets | 0.5015% | 4,629 |
| Return on assets (ROA) | 0.5284% | 4,610 |
| Pretax return on assets | 0.6323% | 4,701 |
| Return on Equity (ROE) | 5.6433% | 4,142 |
| Retained earnings to average equity (ytd only) | 2.7251% | 3,965 |
| Net charge-offs to loans | 0.0626% | 2,805 |
| Credit loss provision to net charge-offs | 202.0202% | 1,402 |
| Earnings coverage of net charge-offs (x) | 17.2778% | 2,058 |
| Efficiency ratio | 80.5901% | 1,349 |
| Assets per employee ($millions) | 4.3496% | 3,358 |
| Cash dividends to net income (ytd only)* | 51.7112% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8232% | 5,040 |
| Loan loss allowance to noncurrent loans | 50.5811% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.8195% | 800 |
| Noncurrent loans to loans | 1.6275% | 1,201 |
| Net loans and leases to total assets | 66.6228% | 2,989 |
| Net loans and leases to deposits | 88.5724% | 1,860 |
| Net loans and leases to core deposits | 91.0048% | 2,409 |
| Total domestic deposits to total assets | 75.2185% | 5,327 |
| Equity capital to assets | 9.3808% | 4,395 |
| Core capital (leverage) ratio | 9.6476% | 3,913 |
| Tier 1 risk-based capital ratio | 13.8714% | 3,535 |
| Total risk-based capital ratio | 14.6636% | 3,725 |
| Memoranda: | ||
| Average total assets | $503,219,000 | 1,365 |
| Average earning assets | $464,016,200 | 1,370 |
| Average equity | $47,118,000 | 1,606 |
| Average total loans | $316,231,600 | 1,463 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 5,350 |
| Cost of funding earning assets | 0.4836% | 2,224 |
| Net interest margin | 2.7275% | 5,453 |
| Noninterest income to average assets | 0.9232% | 1,335 |
| Noninterest expense to average assets | 2.7531% | 3,168 |
| Loan and lease loss provision to assets | 0.0792% | 2,633 |
| Net operating income to assets | 0.5014% | 4,696 |
| Return on assets (ROA) | 0.5277% | 4,689 |
| Pretax return on assets | 0.6325% | 4,795 |
| Return on Equity (ROE) | 5.6385% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.8051% | 3,603 |
| Net charge-offs to loans | 0.0769% | 2,223 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 14.3113% | 2,249 |
| Efficiency ratio | 80.1922% | 1,417 |
| Assets per employee ($millions) | 4.4259% | 3,203 |
| Cash dividends to net income (ytd only)* | 32.5164% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 5,104 |
| Loan loss allowance to noncurrent loans | 47.8425% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.7952% | 917 |
| Noncurrent loans to loans | 1.7323% | 1,202 |
| Net loans and leases to total assets | 63.6655% | 3,443 |
| Net loans and leases to deposits | 87.2307% | 2,113 |
| Net loans and leases to core deposits | 89.6774% | 2,602 |
| Total domestic deposits to total assets | 72.9852% | 5,525 |
| Equity capital to assets | 9.6116% | 4,545 |
| Core capital (leverage) ratio | 9.5497% | 4,114 |
| Tier 1 risk-based capital ratio | 14.0794% | 3,521 |
| Total risk-based capital ratio | 14.8587% | 3,706 |
| Memoranda: | ||
| Average total assets | $505,060,250 | 1,365 |
| Average earning assets | $464,787,250 | 1,369 |
| Average equity | $47,268,750 | 1,605 |
| Average total loans | $312,016,000 | 1,480 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1800% | 5,457 |
| Cost of funding earning assets | 0.4859% | 2,222 |
| Net interest margin | 2.6941% | 5,576 |
| Noninterest income to average assets | 0.8960% | 1,386 |
| Noninterest expense to average assets | 2.7112% | 3,355 |
| Loan and lease loss provision to assets | 0.0493% | 3,162 |
| Net operating income to assets | 0.5031% | 4,664 |
| Return on assets (ROA) | 0.5332% | 4,662 |
| Pretax return on assets | 0.6426% | 4,779 |
| Return on Equity (ROE) | 5.7487% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.9829% | 4,016 |
| Net charge-offs to loans | 0.0395% | 2,671 |
| Credit loss provision to net charge-offs | 204.9180% | 1,281 |
| Earnings coverage of net charge-offs (x) | 27.2295% | 1,463 |
| Efficiency ratio | 80.5275% | 1,444 |
| Assets per employee ($millions) | 4.5043% | 3,022 |
| Cash dividends to net income (ytd only)* | 48.1125% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 5,184 |
| Loan loss allowance to noncurrent loans | 43.9197% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.8749% | 902 |
| Noncurrent loans to loans | 1.8975% | 1,069 |
| Net loans and leases to total assets | 60.8795% | 3,764 |
| Net loans and leases to deposits | 83.4799% | 2,531 |
| Net loans and leases to core deposits | 85.7793% | 2,924 |
| Total domestic deposits to total assets | 72.9271% | 5,605 |
| Equity capital to assets | 9.3575% | 4,912 |
| Core capital (leverage) ratio | 9.2136% | 4,575 |
| Tier 1 risk-based capital ratio | 14.2791% | 3,447 |
| Total risk-based capital ratio | 15.0632% | 3,635 |
| Memoranda: | ||
| Average total assets | $506,706,000 | 1,363 |
| Average earning assets | $464,717,670 | 1,372 |
| Average equity | $47,001,670 | 1,614 |
| Average total loans | $308,999,000 | 1,491 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1576% | 5,538 |
| Cost of funding earning assets | 0.4895% | 2,184 |
| Net interest margin | 2.6682% | 5,650 |
| Noninterest income to average assets | 0.7991% | 1,617 |
| Noninterest expense to average assets | 2.6093% | 3,723 |
| Loan and lease loss provision to assets | 0.0396% | 3,121 |
| Net operating income to assets | 0.4918% | 4,662 |
| Return on assets (ROA) | 0.4945% | 4,748 |
| Pretax return on assets | 0.5815% | 4,870 |
| Return on Equity (ROE) | 5.3546% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.3546% | 2,738 |
| Net charge-offs to loans | 0.0586% | 1,922 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 17.3556% | 1,580 |
| Efficiency ratio | 80.8532% | 1,501 |
| Assets per employee ($millions) | 4.5346% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8341% | 5,274 |
| Loan loss allowance to noncurrent loans | 40.6031% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 2.0116% | 859 |
| Noncurrent loans to loans | 2.0542% | 1,032 |
| Net loans and leases to total assets | 58.5320% | 3,983 |
| Net loans and leases to deposits | 81.6163% | 2,592 |
| Net loans and leases to core deposits | 83.8651% | 2,948 |
| Total domestic deposits to total assets | 71.7160% | 5,793 |
| Equity capital to assets | 9.1318% | 5,056 |
| Core capital (leverage) ratio | 9.3553% | 4,418 |
| Tier 1 risk-based capital ratio | 14.5062% | 3,391 |
| Total risk-based capital ratio | 15.2859% | 3,597 |
| Memoranda: | ||
| Average total assets | $505,568,500 | 1,371 |
| Average earning assets | $460,092,500 | 1,391 |
| Average equity | $46,688,500 | 1,613 |
| Average total loans | $307,264,000 | 1,492 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 5,499 |
| Cost of funding earning assets | 0.5218% | 1,982 |
| Net interest margin | 2.6927% | 5,652 |
| Noninterest income to average assets | 0.9806% | 1,229 |
| Noninterest expense to average assets | 2.6241% | 3,843 |
| Loan and lease loss provision to assets | 0.0207% | 3,982 |
| Net operating income to assets | 0.6270% | 4,154 |
| Return on assets (ROA) | 0.6315% | 4,225 |
| Pretax return on assets | 0.7851% | 4,240 |
| Return on Equity (ROE) | 6.7113% | 3,678 |
| Retained earnings to average equity (ytd only) | 2.3726% | 4,366 |
| Net charge-offs to loans | 0.0037% | 4,326 |
| Credit loss provision to net charge-offs | 909.0909% | 371 |
| Earnings coverage of net charge-offs (x) | 351.9091% | 195 |
| Efficiency ratio | 76.6329% | 2,172 |
| Assets per employee ($millions) | 4.3733% | 3,267 |
| Cash dividends to net income (ytd only)* | 64.6481% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8209% | 5,354 |
| Loan loss allowance to noncurrent loans | 38.8974% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.1500% | 796 |
| Noncurrent loans to loans | 2.1105% | 972 |
| Net loans and leases to total assets | 62.0943% | 3,550 |
| Net loans and leases to deposits | 82.2325% | 2,560 |
| Net loans and leases to core deposits | 84.4919% | 2,931 |
| Total domestic deposits to total assets | 75.5107% | 5,495 |
| Equity capital to assets | 9.3426% | 4,736 |
| Core capital (leverage) ratio | 9.5403% | 4,117 |
| Tier 1 risk-based capital ratio | 14.4402% | 3,474 |
| Total risk-based capital ratio | 15.2252% | 3,657 |
| Memoranda: | ||
| Average total assets | $483,779,400 | 1,394 |
| Average earning assets | $439,039,200 | 1,416 |
| Average equity | $45,520,000 | 1,619 |
| Average total loans | $298,855,000 | 1,472 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2410% | 5,523 |
| Cost of funding earning assets | 0.5318% | 1,956 |
| Net interest margin | 2.7092% | 5,713 |
| Noninterest income to average assets | 0.9878% | 1,212 |
| Noninterest expense to average assets | 2.5440% | 4,071 |
| Loan and lease loss provision to assets | 0.0139% | 3,997 |
| Net operating income to assets | 0.6915% | 3,940 |
| Return on assets (ROA) | 0.6974% | 4,020 |
| Pretax return on assets | 0.8823% | 4,042 |
| Return on Equity (ROE) | 7.3988% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.7244% | 3,825 |
| Net charge-offs to loans | 0.0036% | 4,056 |
| Credit loss provision to net charge-offs | 625.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 400.7395% | 190 |
| Efficiency ratio | 74.1120% | 2,535 |
| Assets per employee ($millions) | 4.3137% | 3,301 |
| Cash dividends to net income (ytd only)* | 49.6624% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 5,436 |
| Loan loss allowance to noncurrent loans | 38.4639% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.2062% | 863 |
| Noncurrent loans to loans | 2.1626% | 1,031 |
| Net loans and leases to total assets | 60.9968% | 3,736 |
| Net loans and leases to deposits | 81.8458% | 2,661 |
| Net loans and leases to core deposits | 84.1871% | 3,022 |
| Total domestic deposits to total assets | 74.5266% | 5,661 |
| Equity capital to assets | 9.4846% | 4,770 |
| Core capital (leverage) ratio | 9.5277% | 4,261 |
| Tier 1 risk-based capital ratio | 14.7133% | 3,432 |
| Total risk-based capital ratio | 15.4955% | 3,636 |
| Memoranda: | ||
| Average total assets | $481,177,500 | 1,406 |
| Average earning assets | $434,212,750 | 1,437 |
| Average equity | $45,357,500 | 1,633 |
| Average total loans | $296,218,250 | 1,495 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2815% | 5,472 |
| Cost of funding earning assets | 0.5400% | 1,905 |
| Net interest margin | 2.7414% | 5,721 |
| Noninterest income to average assets | 1.0416% | 1,092 |
| Noninterest expense to average assets | 2.5419% | 4,098 |
| Loan and lease loss provision to assets | 0.0209% | 3,720 |
| Net operating income to assets | 0.7393% | 3,691 |
| Return on assets (ROA) | 0.7481% | 3,749 |
| Pretax return on assets | 0.9568% | 3,748 |
| Return on Equity (ROE) | 7.9528% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.9601% | 4,153 |
| Net charge-offs to loans | 0.0075% | 3,637 |
| Credit loss provision to net charge-offs | 454.5455% | 670 |
| Earnings coverage of net charge-offs (x) | 210.4545% | 334 |
| Efficiency ratio | 72.4536% | 2,940 |
| Assets per employee ($millions) | 4.3939% | 3,148 |
| Cash dividends to net income (ytd only)* | 62.7790% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 5,464 |
| Loan loss allowance to noncurrent loans | 43.7841% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 2.0233% | 1,083 |
| Noncurrent loans to loans | 1.9461% | 1,274 |
| Net loans and leases to total assets | 58.8747% | 3,998 |
| Net loans and leases to deposits | 78.9419% | 2,915 |
| Net loans and leases to core deposits | 81.3093% | 3,251 |
| Total domestic deposits to total assets | 74.5798% | 5,739 |
| Equity capital to assets | 9.1918% | 5,031 |
| Core capital (leverage) ratio | 9.5044% | 4,277 |
| Tier 1 risk-based capital ratio | 14.8258% | 3,459 |
| Total risk-based capital ratio | 15.6230% | 3,639 |
| Memoranda: | ||
| Average total assets | $479,088,330 | 1,424 |
| Average earning assets | $431,089,000 | 1,455 |
| Average equity | $45,066,000 | 1,654 |
| Average total loans | $295,017,670 | 1,504 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,520 |
| Cost of funding earning assets | 0.5439% | 1,892 |
| Net interest margin | 2.7235% | 5,770 |
| Noninterest income to average assets | 1.0648% | 993 |
| Noninterest expense to average assets | 2.5605% | 4,063 |
| Loan and lease loss provision to assets | 0.0423% | 3,064 |
| Net operating income to assets | 0.7217% | 3,687 |
| Return on assets (ROA) | 0.7398% | 3,723 |
| Pretax return on assets | 0.9387% | 3,748 |
| Return on Equity (ROE) | 7.7721% | 3,084 |
| Retained earnings to average equity (ytd only) | 3.3258% | 3,986 |
| Net charge-offs to loans | 0.0135% | 2,913 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 113.2000% | 447 |
| Efficiency ratio | 72.7688% | 3,033 |
| Assets per employee ($millions) | 4.3795% | 3,235 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8399% | 5,598 |
| Loan loss allowance to noncurrent loans | 44.1296% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.0232% | 1,170 |
| Noncurrent loans to loans | 1.9032% | 1,417 |
| Net loans and leases to total assets | 59.9838% | 3,653 |
| Net loans and leases to deposits | 81.0573% | 2,442 |
| Net loans and leases to core deposits | 84.6070% | 2,702 |
| Total domestic deposits to total assets | 74.0017% | 5,902 |
| Equity capital to assets | 9.2483% | 5,029 |
| Core capital (leverage) ratio | 9.7003% | 4,010 |
| Tier 1 risk-based capital ratio | 14.5782% | 3,682 |
| Total risk-based capital ratio | 15.3676% | 3,864 |
| Memoranda: | ||
| Average total assets | $472,572,000 | 1,444 |
| Average earning assets | $425,777,500 | 1,485 |
| Average equity | $44,981,500 | 1,660 |
| Average total loans | $296,414,000 | 1,495 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 5,240 |
| Cost of funding earning assets | 0.5647% | 2,098 |
| Net interest margin | 2.9708% | 5,503 |
| Noninterest income to average assets | 1.1678% | 887 |
| Noninterest expense to average assets | 2.8366% | 3,355 |
| Loan and lease loss provision to assets | -0.0337% | 5,983 |
| Net operating income to assets | 0.8485% | 3,121 |
| Return on assets (ROA) | 0.8602% | 3,161 |
| Pretax return on assets | 1.0919% | 3,115 |
| Return on Equity (ROE) | 8.6937% | 2,735 |
| Retained earnings to average equity (ytd only) | 1.2617% | 5,210 |
| Net charge-offs to loans | 0.0589% | 3,661 |
| Credit loss provision to net charge-offs | -87.2093% | 5,494 |
| Earnings coverage of net charge-offs (x) | 27.0174% | 1,447 |
| Efficiency ratio | 73.1076% | 3,007 |
| Assets per employee ($millions) | 4.0234% | 3,899 |
| Cash dividends to net income (ytd only)* | 85.4868% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 5,700 |
| Loan loss allowance to noncurrent loans | 62.0035% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.8304% | 1,419 |
| Noncurrent loans to loans | 1.3350% | 2,202 |
| Net loans and leases to total assets | 64.5922% | 3,126 |
| Net loans and leases to deposits | 82.6966% | 2,381 |
| Net loans and leases to core deposits | 87.4807% | 2,554 |
| Total domestic deposits to total assets | 78.1074% | 5,420 |
| Equity capital to assets | 9.8099% | 4,338 |
| Core capital (leverage) ratio | 10.2922% | 3,185 |
| Tier 1 risk-based capital ratio | 15.7558% | 3,094 |
| Total risk-based capital ratio | 16.6029% | 3,244 |
| Memoranda: | ||
| Average total assets | $445,353,000 | 1,488 |
| Average earning assets | $406,597,000 | 1,504 |
| Average equity | $44,066,600 | 1,637 |
| Average total loans | $292,108,200 | 1,462 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5506% | 5,270 |
| Cost of funding earning assets | 0.5657% | 2,139 |
| Net interest margin | 2.9849% | 5,528 |
| Noninterest income to average assets | 1.1719% | 871 |
| Noninterest expense to average assets | 2.7645% | 3,591 |
| Loan and lease loss provision to assets | -0.0903% | 6,254 |
| Net operating income to assets | 0.9518% | 2,676 |
| Return on assets (ROA) | 0.9654% | 2,689 |
| Pretax return on assets | 1.2465% | 2,588 |
| Return on Equity (ROE) | 9.7357% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.7283% | 3,261 |
| Net charge-offs to loans | 0.0632% | 3,304 |
| Credit loss provision to net charge-offs | -217.3913% | 5,577 |
| Earnings coverage of net charge-offs (x) | 27.4123% | 1,448 |
| Efficiency ratio | 70.8304% | 3,366 |
| Assets per employee ($millions) | 3.8969% | 4,096 |
| Cash dividends to net income (ytd only)* | 51.4340% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 5,857 |
| Loan loss allowance to noncurrent loans | 76.7840% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 1,726 |
| Noncurrent loans to loans | 1.0490% | 2,975 |
| Net loans and leases to total assets | 65.3008% | 2,979 |
| Net loans and leases to deposits | 85.0603% | 2,022 |
| Net loans and leases to core deposits | 90.0638% | 2,217 |
| Total domestic deposits to total assets | 76.7700% | 5,708 |
| Equity capital to assets | 10.3519% | 3,733 |
| Core capital (leverage) ratio | 10.4256% | 3,127 |
| Tier 1 risk-based capital ratio | 16.3422% | 2,878 |
| Total risk-based capital ratio | 17.1612% | 3,045 |
| Memoranda: | ||
| Average total assets | $443,030,500 | 1,514 |
| Average earning assets | $405,364,000 | 1,519 |
| Average equity | $43,933,250 | 1,645 |
| Average total loans | $291,106,500 | 1,480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 5,128 |
| Cost of funding earning assets | 0.5689% | 2,175 |
| Net interest margin | 3.0402% | 5,420 |
| Noninterest income to average assets | 1.0065% | 1,182 |
| Noninterest expense to average assets | 2.7658% | 3,638 |
| Loan and lease loss provision to assets | -0.1352% | 6,409 |
| Net operating income to assets | 0.9016% | 2,791 |
| Return on assets (ROA) | 0.9227% | 2,792 |
| Pretax return on assets | 1.1790% | 2,767 |
| Return on Equity (ROE) | 9.4416% | 2,397 |
| Retained earnings to average equity (ytd only) | 1.8348% | 4,971 |
| Net charge-offs to loans | 0.0974% | 2,699 |
| Credit loss provision to net charge-offs | -211.2676% | 5,401 |
| Earnings coverage of net charge-offs (x) | 15.8944% | 1,825 |
| Efficiency ratio | 73.1182% | 3,137 |
| Assets per employee ($millions) | 3.9463% | 3,959 |
| Cash dividends to net income (ytd only)* | 80.5664% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 5,973 |
| Loan loss allowance to noncurrent loans | 45.4563% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 1,400 |
| Noncurrent loans to loans | 1.7601% | 1,961 |
| Net loans and leases to total assets | 64.8115% | 2,943 |
| Net loans and leases to deposits | 84.4175% | 1,991 |
| Net loans and leases to core deposits | 89.5757% | 2,164 |
| Total domestic deposits to total assets | 76.7749% | 5,816 |
| Equity capital to assets | 9.9125% | 4,230 |
| Core capital (leverage) ratio | 10.2033% | 3,334 |
| Tier 1 risk-based capital ratio | 15.7478% | 3,224 |
| Total risk-based capital ratio | 16.5557% | 3,415 |
| Memoranda: | ||
| Average total assets | $443,923,000 | 1,507 |
| Average earning assets | $405,373,000 | 1,510 |
| Average equity | $43,382,670 | 1,649 |
| Average total loans | $291,512,330 | 1,471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,942 |
| Cost of funding earning assets | 0.5668% | 2,275 |
| Net interest margin | 3.1044% | 5,234 |
| Noninterest income to average assets | 0.9826% | 1,169 |
| Noninterest expense to average assets | 2.7554% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8408% | 2,948 |
| Return on assets (ROA) | 0.8625% | 2,903 |
| Pretax return on assets | 1.0837% | 2,982 |
| Return on Equity (ROE) | 8.8894% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.8894% | 1,284 |
| Net charge-offs to loans | 0.0521% | 2,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 30.7895% | 1,035 |
| Efficiency ratio | 72.2814% | 3,436 |
| Assets per employee ($millions) | 3.9753% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 5,734 |
| Loan loss allowance to noncurrent loans | 59.1863% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 2.0097% | 1,696 |
| Noncurrent loans to loans | 1.5909% | 2,428 |
| Net loans and leases to total assets | 64.6253% | 2,787 |
| Net loans and leases to deposits | 84.3811% | 1,784 |
| Net loans and leases to core deposits | 91.0922% | 1,819 |
| Total domestic deposits to total assets | 76.5874% | 6,015 |
| Equity capital to assets | 9.8713% | 3,990 |
| Core capital (leverage) ratio | 10.3313% | 3,141 |
| Tier 1 risk-based capital ratio | 15.9001% | 3,220 |
| Total risk-based capital ratio | 16.8458% | 3,348 |
| Memoranda: | ||
| Average total assets | $442,918,500 | 1,514 |
| Average earning assets | $403,683,500 | 1,521 |
| Average equity | $42,972,500 | 1,652 |
| Average total loans | $291,595,500 | 1,474 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7570% | 4,952 |
| Cost of funding earning assets | 0.5946% | 2,716 |
| Net interest margin | 3.1625% | 5,119 |
| Noninterest income to average assets | 1.1105% | 1,139 |
| Noninterest expense to average assets | 2.7970% | 3,740 |
| Loan and lease loss provision to assets | 0.2110% | 1,745 |
| Net operating income to assets | 0.8042% | 3,273 |
| Return on assets (ROA) | 0.8372% | 3,179 |
| Pretax return on assets | 1.0329% | 3,215 |
| Return on Equity (ROE) | 8.8868% | 2,599 |
| Retained earnings to average equity (ytd only) | 5.8608% | 2,062 |
| Net charge-offs to loans | 0.8659% | 709 |
| Credit loss provision to net charge-offs | 37.1934% | 4,094 |
| Earnings coverage of net charge-offs (x) | 2.1210% | 4,325 |
| Efficiency ratio | 69.9242% | 3,847 |
| Assets per employee ($millions) | 3.8992% | 4,065 |
| Cash dividends to net income (ytd only)* | 34.0507% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 5,766 |
| Loan loss allowance to noncurrent loans | 81.4391% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7390% | 2,129 |
| Noncurrent loans to loans | 1.1632% | 3,217 |
| Net loans and leases to total assets | 65.8073% | 2,721 |
| Net loans and leases to deposits | 85.6045% | 1,733 |
| Net loans and leases to core deposits | 93.5440% | 1,632 |
| Total domestic deposits to total assets | 76.8737% | 5,990 |
| Equity capital to assets | 9.5312% | 4,378 |
| Core capital (leverage) ratio | 10.2957% | 3,155 |
| Tier 1 risk-based capital ratio | 15.0744% | 3,625 |
| Total risk-based capital ratio | 16.0104% | 3,750 |
| Memoranda: | ||
| Average total assets | $438,468,600 | 1,511 |
| Average earning assets | $400,638,400 | 1,508 |
| Average equity | $41,308,400 | 1,692 |
| Average total loans | $287,208,800 | 1,477 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,945 |
| Cost of funding earning assets | 0.5980% | 2,827 |
| Net interest margin | 3.1763% | 5,068 |
| Noninterest income to average assets | 1.1128% | 1,183 |
| Noninterest expense to average assets | 2.7918% | 3,691 |
| Loan and lease loss provision to assets | 0.2968% | 1,148 |
| Net operating income to assets | 0.7715% | 3,503 |
| Return on assets (ROA) | 0.7907% | 3,524 |
| Pretax return on assets | 0.9563% | 3,663 |
| Return on Equity (ROE) | 8.4172% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.6346% | 2,068 |
| Net charge-offs to loans | 1.1718% | 468 |
| Credit loss provision to net charge-offs | 38.8137% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.6083% | 4,302 |
| Efficiency ratio | 69.4171% | 3,851 |
| Assets per employee ($millions) | 3.7950% | 4,255 |
| Cash dividends to net income (ytd only)* | 21.1784% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 5,855 |
| Loan loss allowance to noncurrent loans | 79.5791% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 2,208 |
| Noncurrent loans to loans | 1.2163% | 3,385 |
| Net loans and leases to total assets | 66.7565% | 2,506 |
| Net loans and leases to deposits | 85.9646% | 1,623 |
| Net loans and leases to core deposits | 94.0861% | 1,567 |
| Total domestic deposits to total assets | 77.6559% | 5,953 |
| Equity capital to assets | 9.6679% | 4,339 |
| Core capital (leverage) ratio | 10.2158% | 3,378 |
| Tier 1 risk-based capital ratio | 15.0504% | 3,723 |
| Total risk-based capital ratio | 16.0109% | 3,868 |
| Memoranda: | ||
| Average total assets | $437,934,250 | 1,523 |
| Average earning assets | $401,090,250 | 1,517 |
| Average equity | $41,136,750 | 1,711 |
| Average total loans | $285,830,000 | 1,490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 4,919 |
| Cost of funding earning assets | 0.6121% | 2,826 |
| Net interest margin | 3.1600% | 5,088 |
| Noninterest income to average assets | 1.1398% | 1,173 |
| Noninterest expense to average assets | 2.7358% | 3,904 |
| Loan and lease loss provision to assets | 0.3061% | 1,168 |
| Net operating income to assets | 0.8046% | 3,272 |
| Return on assets (ROA) | 0.8318% | 3,295 |
| Pretax return on assets | 1.0232% | 3,403 |
| Return on Equity (ROE) | 8.9399% | 2,637 |
| Retained earnings to average equity (ytd only) | 6.2589% | 2,287 |
| Net charge-offs to loans | -0.0077% | 5,716 |
| Credit loss provision to net charge-offs | -6,136.3636% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8592% | 4,205 |
| Assets per employee ($millions) | 3.8012% | 4,204 |
| Cash dividends to net income (ytd only)* | 29.9891% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7434% | 2,611 |
| Loan loss allowance to noncurrent loans | 73.0115% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.6394% | 1,584 |
| Noncurrent loans to loans | 2.3879% | 1,969 |
| Net loans and leases to total assets | 65.8786% | 2,617 |
| Net loans and leases to deposits | 82.8999% | 1,942 |
| Net loans and leases to core deposits | 92.4492% | 1,662 |
| Total domestic deposits to total assets | 79.4677% | 5,717 |
| Equity capital to assets | 9.3687% | 4,758 |
| Core capital (leverage) ratio | 9.6532% | 4,007 |
| Tier 1 risk-based capital ratio | 14.4036% | 4,159 |
| Total risk-based capital ratio | 15.6594% | 4,117 |
| Memoranda: | ||
| Average total assets | $440,968,000 | 1,509 |
| Average earning assets | $403,543,330 | 1,507 |
| Average equity | $41,029,330 | 1,717 |
| Average total loans | $284,749,330 | 1,492 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 5,058 |
| Cost of funding earning assets | 0.6313% | 2,835 |
| Net interest margin | 3.0977% | 5,270 |
| Noninterest income to average assets | 1.1767% | 1,086 |
| Noninterest expense to average assets | 2.6829% | 4,134 |
| Loan and lease loss provision to assets | 0.3358% | 1,000 |
| Net operating income to assets | 0.7943% | 3,198 |
| Return on assets (ROA) | 0.7943% | 3,332 |
| Pretax return on assets | 0.9877% | 3,410 |
| Return on Equity (ROE) | 8.5653% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.5653% | 1,533 |
| Net charge-offs to loans | -0.0918% | 6,411 |
| Credit loss provision to net charge-offs | -576.9231% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9647% | 4,496 |
| Assets per employee ($millions) | 3.9801% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 3,049 |
| Loan loss allowance to noncurrent loans | 72.2063% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.4692% | 1,867 |
| Noncurrent loans to loans | 2.3408% | 2,231 |
| Net loans and leases to total assets | 62.3046% | 3,002 |
| Net loans and leases to deposits | 78.5346% | 2,266 |
| Net loans and leases to core deposits | 91.7441% | 1,529 |
| Total domestic deposits to total assets | 79.3340% | 5,903 |
| Equity capital to assets | 9.3440% | 5,070 |
| Core capital (leverage) ratio | 9.5480% | 4,002 |
| Tier 1 risk-based capital ratio | 14.6963% | 4,042 |
| Total risk-based capital ratio | 15.9514% | 4,005 |
| Memoranda: | ||
| Average total assets | $446,683,500 | 1,498 |
| Average earning assets | $408,045,000 | 1,505 |
| Average equity | $41,423,000 | 1,732 |
| Average total loans | $283,127,000 | 1,499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 4,310 |
| Cost of funding earning assets | 0.7717% | 2,901 |
| Net interest margin | 3.5010% | 4,497 |
| Noninterest income to average assets | 1.2126% | 1,068 |
| Noninterest expense to average assets | 3.0582% | 3,056 |
| Loan and lease loss provision to assets | 0.1337% | 3,954 |
| Net operating income to assets | 0.9109% | 2,763 |
| Return on assets (ROA) | 0.9272% | 2,913 |
| Pretax return on assets | 1.2082% | 2,777 |
| Return on Equity (ROE) | 9.4367% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.9212% | 2,753 |
| Net charge-offs to loans | 0.0737% | 4,946 |
| Credit loss provision to net charge-offs | 264.4231% | 907 |
| Earnings coverage of net charge-offs (x) | 26.1202% | 1,112 |
| Efficiency ratio | 69.8385% | 3,852 |
| Assets per employee ($millions) | 3.8921% | 4,166 |
| Cash dividends to net income (ytd only)* | 47.8500% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,628 |
| Loan loss allowance to noncurrent loans | 79.3085% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.2018% | 2,227 |
| Noncurrent loans to loans | 1.9264% | 2,776 |
| Net loans and leases to total assets | 62.4242% | 3,185 |
| Net loans and leases to deposits | 78.0020% | 2,531 |
| Net loans and leases to core deposits | 91.2985% | 1,698 |
| Total domestic deposits to total assets | 80.0289% | 5,654 |
| Equity capital to assets | 9.2032% | 5,263 |
| Core capital (leverage) ratio | 9.6311% | 3,917 |
| Tier 1 risk-based capital ratio | 14.3523% | 4,123 |
| Total risk-based capital ratio | 15.6053% | 4,085 |
| Memoranda: | ||
| Average total assets | $411,358,200 | 1,591 |
| Average earning assets | $372,040,200 | 1,608 |
| Average equity | $40,416,800 | 1,723 |
| Average total loans | $282,129,600 | 1,478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 4,065 |
| Cost of funding earning assets | 0.8020% | 2,923 |
| Net interest margin | 3.5951% | 4,253 |
| Noninterest income to average assets | 1.1755% | 1,096 |
| Noninterest expense to average assets | 3.1180% | 2,834 |
| Loan and lease loss provision to assets | 0.0497% | 5,140 |
| Net operating income to assets | 0.9604% | 2,704 |
| Return on assets (ROA) | 0.9823% | 2,825 |
| Pretax return on assets | 1.2889% | 2,643 |
| Return on Equity (ROE) | 9.8250% | 2,433 |
| Retained earnings to average equity (ytd only) | 6.6760% | 2,293 |
| Net charge-offs to loans | 0.0298% | 5,236 |
| Credit loss provision to net charge-offs | 238.0952% | 1,161 |
| Earnings coverage of net charge-offs (x) | 62.7286% | 629 |
| Efficiency ratio | 70.4192% | 3,609 |
| Assets per employee ($millions) | 3.6994% | 4,543 |
| Cash dividends to net income (ytd only)* | 32.0514% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 4,254 |
| Loan loss allowance to noncurrent loans | 68.6753% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.4526% | 2,159 |
| Noncurrent loans to loans | 2.0778% | 2,763 |
| Net loans and leases to total assets | 66.2511% | 2,608 |
| Net loans and leases to deposits | 85.1570% | 1,707 |
| Net loans and leases to core deposits | 101.0845% | 1,049 |
| Total domestic deposits to total assets | 77.7988% | 6,117 |
| Equity capital to assets | 9.7154% | 4,905 |
| Core capital (leverage) ratio | 10.3659% | 3,083 |
| Tier 1 risk-based capital ratio | 14.4146% | 4,249 |
| Total risk-based capital ratio | 15.6664% | 4,211 |
| Memoranda: | ||
| Average total assets | $402,298,750 | 1,639 |
| Average earning assets | $363,932,250 | 1,661 |
| Average equity | $40,222,750 | 1,749 |
| Average total loans | $281,726,250 | 1,497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 3,623 |
| Cost of funding earning assets | 0.8439% | 2,848 |
| Net interest margin | 3.6925% | 3,861 |
| Noninterest income to average assets | 1.2261% | 952 |
| Noninterest expense to average assets | 3.1927% | 2,614 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0220% | 2,375 |
| Return on assets (ROA) | 1.0451% | 2,498 |
| Pretax return on assets | 1.3817% | 2,275 |
| Return on Equity (ROE) | 10.3480% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.5805% | 2,941 |
| Net charge-offs to loans | 0.0421% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 45.1864% | 796 |
| Efficiency ratio | 70.2621% | 3,722 |
| Assets per employee ($millions) | 3.4519% | 5,089 |
| Cash dividends to net income (ytd only)* | 46.0718% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 4,476 |
| Loan loss allowance to noncurrent loans | 53.1048% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 3.0725% | 1,785 |
| Noncurrent loans to loans | 2.6333% | 2,282 |
| Net loans and leases to total assets | 69.2747% | 2,060 |
| Net loans and leases to deposits | 87.4871% | 1,425 |
| Net loans and leases to core deposits | 103.4466% | 894 |
| Total domestic deposits to total assets | 79.1827% | 5,926 |
| Equity capital to assets | 10.0511% | 4,256 |
| Core capital (leverage) ratio | 9.9715% | 3,461 |
| Tier 1 risk-based capital ratio | 13.7889% | 4,602 |
| Total risk-based capital ratio | 15.0408% | 4,573 |
| Memoranda: | ||
| Average total assets | $394,589,330 | 1,679 |
| Average earning assets | $354,559,670 | 1,700 |
| Average equity | $39,853,000 | 1,750 |
| Average total loans | $280,325,000 | 1,500 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6296% | 3,359 |
| Cost of funding earning assets | 0.8874% | 2,780 |
| Net interest margin | 3.7422% | 3,628 |
| Noninterest income to average assets | 1.3215% | 815 |
| Noninterest expense to average assets | 3.1945% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1081% | 2,050 |
| Return on assets (ROA) | 1.1081% | 2,236 |
| Pretax return on assets | 1.4778% | 1,936 |
| Return on Equity (ROE) | 10.9441% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.9441% | 1,041 |
| Net charge-offs to loans | 0.0357% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 57.8800% | 567 |
| Efficiency ratio | 68.3716% | 4,100 |
| Assets per employee ($millions) | 3.3336% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 4,587 |
| Loan loss allowance to noncurrent loans | 50.7093% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.2336% | 1,784 |
| Noncurrent loans to loans | 2.7706% | 2,341 |
| Net loans and leases to total assets | 70.7901% | 1,614 |
| Net loans and leases to deposits | 89.8775% | 975 |
| Net loans and leases to core deposits | 103.2767% | 799 |
| Total domestic deposits to total assets | 78.7628% | 6,129 |
| Equity capital to assets | 10.2164% | 3,833 |
| Core capital (leverage) ratio | 10.0536% | 3,307 |
| Tier 1 risk-based capital ratio | 13.8220% | 4,593 |
| Total risk-based capital ratio | 15.0740% | 4,567 |
| Memoranda: | ||
| Average total assets | $391,673,000 | 1,698 |
| Average earning assets | $350,699,000 | 1,726 |
| Average equity | $39,656,000 | 1,752 |
| Average total loans | $279,825,000 | 1,509 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 3,506 |
| Cost of funding earning assets | 1.0843% | 2,776 |
| Net interest margin | 3.7840% | 3,908 |
| Noninterest income to average assets | 1.2226% | 880 |
| Noninterest expense to average assets | 3.2099% | 2,832 |
| Loan and lease loss provision to assets | 0.3413% | 2,966 |
| Net operating income to assets | 0.8488% | 2,827 |
| Return on assets (ROA) | 0.8676% | 2,886 |
| Pretax return on assets | 1.1147% | 2,783 |
| Return on Equity (ROE) | 8.5760% | 2,644 |
| Retained earnings to average equity (ytd only) | 3.6847% | 3,588 |
| Net charge-offs to loans | 0.5248% | 2,896 |
| Credit loss provision to net charge-offs | 89.5934% | 4,024 |
| Earnings coverage of net charge-offs (x) | 3.7588% | 3,399 |
| Efficiency ratio | 69.1533% | 4,118 |
| Assets per employee ($millions) | 3.3619% | 5,341 |
| Cash dividends to net income (ytd only)* | 57.0348% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,283 |
| Loan loss allowance to noncurrent loans | 53.4395% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 3.2427% | 1,842 |
| Noncurrent loans to loans | 2.6954% | 2,411 |
| Net loans and leases to total assets | 70.0613% | 2,018 |
| Net loans and leases to deposits | 89.8193% | 1,182 |
| Net loans and leases to core deposits | 103.5116% | 931 |
| Total domestic deposits to total assets | 78.0025% | 6,192 |
| Equity capital to assets | 10.0323% | 4,127 |
| Core capital (leverage) ratio | 9.9280% | 3,425 |
| Tier 1 risk-based capital ratio | 13.6424% | 4,597 |
| Total risk-based capital ratio | 14.8946% | 4,556 |
| Memoranda: | ||
| Average total assets | $380,918,200 | 1,698 |
| Average earning assets | $344,184,200 | 1,731 |
| Average equity | $38,537,600 | 1,749 |
| Average total loans | $276,463,400 | 1,536 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 3,610 |
| Cost of funding earning assets | 1.1240% | 2,808 |
| Net interest margin | 3.7655% | 4,035 |
| Noninterest income to average assets | 1.1880% | 933 |
| Noninterest expense to average assets | 3.0395% | 3,404 |
| Loan and lease loss provision to assets | 0.5986% | 1,646 |
| Net operating income to assets | 0.7688% | 3,305 |
| Return on assets (ROA) | 0.7944% | 3,355 |
| Pretax return on assets | 1.0021% | 3,390 |
| Return on Equity (ROE) | 7.8350% | 3,113 |
| Retained earnings to average equity (ytd only) | 4.0147% | 3,859 |
| Net charge-offs to loans | 0.1100% | 4,905 |
| Credit loss provision to net charge-offs | 745.6140% | 366 |
| Earnings coverage of net charge-offs (x) | 19.5352% | 1,259 |
| Efficiency ratio | 65.9636% | 4,727 |
| Assets per employee ($millions) | 3.3318% | 5,414 |
| Cash dividends to net income (ytd only)* | 48.7589% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 2,163 |
| Loan loss allowance to noncurrent loans | 63.0586% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 3.5740% | 1,754 |
| Noncurrent loans to loans | 3.2740% | 2,112 |
| Net loans and leases to total assets | 68.9289% | 2,295 |
| Net loans and leases to deposits | 87.6914% | 1,470 |
| Net loans and leases to core deposits | 101.0764% | 1,156 |
| Total domestic deposits to total assets | 78.6040% | 6,071 |
| Equity capital to assets | 10.1437% | 4,163 |
| Core capital (leverage) ratio | 9.9536% | 3,501 |
| Tier 1 risk-based capital ratio | 14.1183% | 4,266 |
| Total risk-based capital ratio | 15.3781% | 4,227 |
| Memoranda: | ||
| Average total assets | $378,652,750 | 1,720 |
| Average earning assets | $343,886,750 | 1,732 |
| Average equity | $38,391,000 | 1,755 |
| Average total loans | $276,274,750 | 1,555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 3,610 |
| Cost of funding earning assets | 1.1562% | 2,864 |
| Net interest margin | 3.7462% | 4,051 |
| Noninterest income to average assets | 1.2600% | 795 |
| Noninterest expense to average assets | 3.0672% | 3,372 |
| Loan and lease loss provision to assets | 0.6914% | 1,375 |
| Net operating income to assets | 0.7235% | 3,422 |
| Return on assets (ROA) | 0.7627% | 3,366 |
| Pretax return on assets | 0.9520% | 3,424 |
| Return on Equity (ROE) | 7.5236% | 3,180 |
| Retained earnings to average equity (ytd only) | 1.7524% | 5,120 |
| Net charge-offs to loans | 0.1484% | 4,301 |
| Credit loss provision to net charge-offs | 631.0680% | 497 |
| Earnings coverage of net charge-offs (x) | 14.5534% | 1,474 |
| Efficiency ratio | 65.7958% | 4,912 |
| Assets per employee ($millions) | 3.2681% | 5,488 |
| Cash dividends to net income (ytd only)* | 76.7085% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 2,586 |
| Loan loss allowance to noncurrent loans | 59.6176% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 3.7225% | 1,746 |
| Noncurrent loans to loans | 3.2306% | 2,215 |
| Net loans and leases to total assets | 70.3572% | 2,145 |
| Net loans and leases to deposits | 89.6253% | 1,317 |
| Net loans and leases to core deposits | 102.4380% | 1,152 |
| Total domestic deposits to total assets | 78.5015% | 6,187 |
| Equity capital to assets | 10.0802% | 4,043 |
| Core capital (leverage) ratio | 9.7844% | 3,540 |
| Tier 1 risk-based capital ratio | 13.6205% | 4,437 |
| Total risk-based capital ratio | 14.8788% | 4,415 |
| Memoranda: | ||
| Average total assets | $376,041,000 | 1,737 |
| Average earning assets | $341,465,330 | 1,751 |
| Average equity | $38,120,000 | 1,759 |
| Average total loans | $277,693,670 | 1,561 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 3,333 |
| Cost of funding earning assets | 1.1722% | 3,003 |
| Net interest margin | 3.7776% | 3,723 |
| Noninterest income to average assets | 1.4130% | 645 |
| Noninterest expense to average assets | 3.0707% | 3,384 |
| Loan and lease loss provision to assets | 0.4272% | 2,053 |
| Net operating income to assets | 1.0168% | 2,125 |
| Return on assets (ROA) | 1.0905% | 1,913 |
| Pretax return on assets | 1.4451% | 1,614 |
| Return on Equity (ROE) | 10.7268% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.7268% | 948 |
| Net charge-offs to loans | 0.1283% | 3,744 |
| Credit loss provision to net charge-offs | 444.4444% | 788 |
| Earnings coverage of net charge-offs (x) | 18.4556% | 1,178 |
| Efficiency ratio | 63.3818% | 5,461 |
| Assets per employee ($millions) | 3.3037% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6041% | 3,708 |
| Loan loss allowance to noncurrent loans | 52.5918% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 3.7018% | 1,828 |
| Noncurrent loans to loans | 3.0502% | 2,462 |
| Net loans and leases to total assets | 72.5389% | 1,604 |
| Net loans and leases to deposits | 92.6259% | 969 |
| Net loans and leases to core deposits | 106.0007% | 938 |
| Total domestic deposits to total assets | 78.3138% | 6,331 |
| Equity capital to assets | 10.2377% | 3,487 |
| Core capital (leverage) ratio | 10.2843% | 2,821 |
| Tier 1 risk-based capital ratio | 13.8404% | 4,187 |
| Total risk-based capital ratio | 15.0945% | 4,158 |
| Memoranda: | ||
| Average total assets | $374,511,500 | 1,757 |
| Average earning assets | $340,215,500 | 1,772 |
| Average equity | $38,073,000 | 1,746 |
| Average total loans | $280,559,500 | 1,560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 4,199 |
| Cost of funding earning assets | 1.5085% | 2,587 |
| Net interest margin | 3.5677% | 4,972 |
| Noninterest income to average assets | 1.1930% | 1,048 |
| Noninterest expense to average assets | 3.1578% | 3,245 |
| Loan and lease loss provision to assets | 0.5905% | 2,774 |
| Net operating income to assets | 0.5819% | 3,747 |
| Return on assets (ROA) | 0.6500% | 3,584 |
| Pretax return on assets | 0.7700% | 3,725 |
| Return on Equity (ROE) | 6.6094% | 3,295 |
| Retained earnings to average equity (ytd only) | 3.0072% | 3,745 |
| Net charge-offs to loans | 0.4086% | 4,002 |
| Credit loss provision to net charge-offs | 194.6367% | 1,631 |
| Earnings coverage of net charge-offs (x) | 4.2171% | 3,015 |
| Efficiency ratio | 71.1675% | 3,958 |
| Assets per employee ($millions) | 3.0777% | 5,925 |
| Cash dividends to net income (ytd only)* | 54.5014% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 4,222 |
| Loan loss allowance to noncurrent loans | 49.3921% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 3.7213% | 1,846 |
| Noncurrent loans to loans | 2.9598% | 2,583 |
| Net loans and leases to total assets | 75.0062% | 1,475 |
| Net loans and leases to deposits | 96.6913% | 802 |
| Net loans and leases to core deposits | 103.9361% | 1,318 |
| Total domestic deposits to total assets | 77.5728% | 6,385 |
| Equity capital to assets | 10.0936% | 3,625 |
| Core capital (leverage) ratio | 10.3236% | 2,746 |
| Tier 1 risk-based capital ratio | 13.7132% | 4,053 |
| Total risk-based capital ratio | 14.9662% | 4,027 |
| Memoranda: | ||
| Average total assets | $381,057,800 | 1,724 |
| Average earning assets | $346,502,000 | 1,727 |
| Average equity | $37,476,800 | 1,761 |
| Average total loans | $282,886,000 | 1,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0755% | 4,449 |
| Cost of funding earning assets | 1.6000% | 2,386 |
| Net interest margin | 3.4754% | 5,388 |
| Noninterest income to average assets | 1.1199% | 1,117 |
| Noninterest expense to average assets | 3.1313% | 3,187 |
| Loan and lease loss provision to assets | 0.5219% | 2,845 |
| Net operating income to assets | 0.5359% | 4,156 |
| Return on assets (ROA) | 0.6273% | 3,932 |
| Pretax return on assets | 0.7362% | 4,127 |
| Return on Equity (ROE) | 6.4192% | 3,614 |
| Retained earnings to average equity (ytd only) | 4.2831% | 3,478 |
| Net charge-offs to loans | 0.4659% | 3,423 |
| Credit loss provision to net charge-offs | 151.8219% | 2,558 |
| Earnings coverage of net charge-offs (x) | 3.3472% | 3,483 |
| Efficiency ratio | 73.1291% | 3,499 |
| Assets per employee ($millions) | 2.9772% | 6,197 |
| Cash dividends to net income (ytd only)* | 33.2779% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 5,101 |
| Loan loss allowance to noncurrent loans | 43.3017% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 3.7617% | 1,894 |
| Noncurrent loans to loans | 2.9382% | 2,716 |
| Net loans and leases to total assets | 75.4803% | 1,498 |
| Net loans and leases to deposits | 96.5172% | 924 |
| Net loans and leases to core deposits | 103.8141% | 1,502 |
| Total domestic deposits to total assets | 78.2041% | 6,217 |
| Equity capital to assets | 10.4459% | 3,578 |
| Core capital (leverage) ratio | 10.2627% | 2,967 |
| Tier 1 risk-based capital ratio | 14.1488% | 3,724 |
| Total risk-based capital ratio | 15.3996% | 3,696 |
| Memoranda: | ||
| Average total assets | $383,223,250 | 1,736 |
| Average earning assets | $348,649,250 | 1,741 |
| Average equity | $37,449,000 | 1,781 |
| Average total loans | $282,741,500 | 1,602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 4,874 |
| Cost of funding earning assets | 1.6605% | 2,330 |
| Net interest margin | 3.3555% | 5,818 |
| Noninterest income to average assets | 1.0368% | 1,261 |
| Noninterest expense to average assets | 3.0712% | 3,425 |
| Loan and lease loss provision to assets | 0.5014% | 2,793 |
| Net operating income to assets | 0.4506% | 4,554 |
| Return on assets (ROA) | 0.5888% | 4,065 |
| Pretax return on assets | 0.6763% | 4,323 |
| Return on Equity (ROE) | 6.1590% | 3,718 |
| Retained earnings to average equity (ytd only) | 2.9316% | 4,264 |
| Net charge-offs to loans | 0.4209% | 3,313 |
| Credit loss provision to net charge-offs | 163.3166% | 2,417 |
| Earnings coverage of net charge-offs (x) | 3.3183% | 3,367 |
| Efficiency ratio | 75.0912% | 3,246 |
| Assets per employee ($millions) | 3.0326% | 6,077 |
| Cash dividends to net income (ytd only)* | 52.4017% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 5,327 |
| Loan loss allowance to noncurrent loans | 33.3755% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 3.8150% | 1,823 |
| Noncurrent loans to loans | 3.6700% | 2,136 |
| Net loans and leases to total assets | 73.5114% | 2,027 |
| Net loans and leases to deposits | 94.3818% | 1,222 |
| Net loans and leases to core deposits | 102.6118% | 1,772 |
| Total domestic deposits to total assets | 77.8873% | 6,294 |
| Equity capital to assets | 9.9473% | 4,083 |
| Core capital (leverage) ratio | 9.6622% | 3,592 |
| Tier 1 risk-based capital ratio | 13.7491% | 3,906 |
| Total risk-based capital ratio | 14.9992% | 3,869 |
| Memoranda: | ||
| Average total assets | $388,900,330 | 1,735 |
| Average earning assets | $353,863,000 | 1,724 |
| Average equity | $37,181,330 | 1,789 |
| Average total loans | $283,667,000 | 1,613 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 4,937 |
| Cost of funding earning assets | 1.6801% | 2,481 |
| Net interest margin | 3.3379% | 5,827 |
| Noninterest income to average assets | 1.0675% | 1,114 |
| Noninterest expense to average assets | 3.0931% | 3,292 |
| Loan and lease loss provision to assets | 0.4300% | 2,805 |
| Net operating income to assets | 0.5164% | 4,309 |
| Return on assets (ROA) | 0.5524% | 4,265 |
| Pretax return on assets | 0.6182% | 4,534 |
| Return on Equity (ROE) | 5.8917% | 3,925 |
| Retained earnings to average equity (ytd only) | 5.8917% | 2,670 |
| Net charge-offs to loans | 0.5085% | 2,544 |
| Credit loss provision to net charge-offs | 117.0799% | 2,976 |
| Earnings coverage of net charge-offs (x) | 2.7438% | 3,175 |
| Efficiency ratio | 75.4256% | 3,318 |
| Assets per employee ($millions) | 3.0983% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,953 |
| Loan loss allowance to noncurrent loans | 81.2321% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 2.0959% | 3,391 |
| Noncurrent loans to loans | 1.3686% | 4,686 |
| Net loans and leases to total assets | 70.9080% | 2,717 |
| Net loans and leases to deposits | 90.4444% | 1,836 |
| Net loans and leases to core deposits | 101.6812% | 1,954 |
| Total domestic deposits to total assets | 78.3996% | 6,224 |
| Equity capital to assets | 9.5944% | 4,383 |
| Core capital (leverage) ratio | 9.4442% | 3,864 |
| Tier 1 risk-based capital ratio | 13.4624% | 4,011 |
| Total risk-based capital ratio | 14.5810% | 4,056 |
| Memoranda: | ||
| Average total assets | $395,330,000 | 1,743 |
| Average earning assets | $359,270,000 | 1,746 |
| Average equity | $37,069,000 | 1,815 |
| Average total loans | $285,570,000 | 1,650 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 5,275 |
| Cost of funding earning assets | 1.9376% | 3,262 |
| Net interest margin | 3.3448% | 5,570 |
| Noninterest income to average assets | 1.2887% | 907 |
| Noninterest expense to average assets | 3.3328% | 2,902 |
| Loan and lease loss provision to assets | 0.3373% | 4,782 |
| Net operating income to assets | 0.6039% | 3,314 |
| Return on assets (ROA) | 0.6039% | 3,387 |
| Pretax return on assets | 0.6841% | 3,629 |
| Return on Equity (ROE) | 6.6703% | 2,918 |
| Retained earnings to average equity (ytd only) | 4.4625% | 2,129 |
| Net charge-offs to loans | 0.2957% | 4,782 |
| Credit loss provision to net charge-offs | 152.7149% | 3,000 |
| Earnings coverage of net charge-offs (x) | 4.6244% | 2,877 |
| Efficiency ratio | 76.5421% | 3,431 |
| Assets per employee ($millions) | 2.9432% | 6,361 |
| Cash dividends to net income (ytd only)* | 33.0989% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 6,143 |
| Loan loss allowance to noncurrent loans | 71.2617% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.8730% | 3,564 |
| Noncurrent loans to loans | 1.4697% | 4,460 |
| Net loans and leases to total assets | 71.9914% | 2,752 |
| Net loans and leases to deposits | 90.0957% | 2,200 |
| Net loans and leases to core deposits | 112.1309% | 2,685 |
| Total domestic deposits to total assets | 79.9055% | 5,697 |
| Equity capital to assets | 9.1645% | 4,895 |
| Core capital (leverage) ratio | 9.3548% | 3,892 |
| Tier 1 risk-based capital ratio | 12.7443% | 4,329 |
| Total risk-based capital ratio | 13.7975% | 4,428 |
| Memoranda: | ||
| Average total assets | $400,239,600 | 1,717 |
| Average earning assets | $366,802,800 | 1,716 |
| Average equity | $36,235,400 | 1,859 |
| Average total loans | $298,930,400 | 1,608 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 5,407 |
| Cost of funding earning assets | 1.9937% | 3,386 |
| Net interest margin | 3.3094% | 5,606 |
| Noninterest income to average assets | 1.3099% | 903 |
| Noninterest expense to average assets | 3.3780% | 2,640 |
| Loan and lease loss provision to assets | 0.2915% | 4,645 |
| Net operating income to assets | 0.6076% | 3,586 |
| Return on assets (ROA) | 0.6076% | 3,637 |
| Pretax return on assets | 0.6873% | 3,901 |
| Return on Equity (ROE) | 6.7323% | 3,197 |
| Retained earnings to average equity (ytd only) | 5.3482% | 2,283 |
| Net charge-offs to loans | 0.2464% | 4,507 |
| Credit loss provision to net charge-offs | 157.3741% | 3,029 |
| Earnings coverage of net charge-offs (x) | 5.2842% | 2,875 |
| Efficiency ratio | 77.5348% | 3,232 |
| Assets per employee ($millions) | 2.8267% | 6,593 |
| Cash dividends to net income (ytd only)* | 20.5593% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 6,389 |
| Loan loss allowance to noncurrent loans | 45.3948% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 3,290 |
| Noncurrent loans to loans | 2.1658% | 3,424 |
| Net loans and leases to total assets | 74.4107% | 2,407 |
| Net loans and leases to deposits | 94.9479% | 1,721 |
| Net loans and leases to core deposits | 117.3722% | 2,479 |
| Total domestic deposits to total assets | 78.3700% | 5,988 |
| Equity capital to assets | 9.4401% | 4,823 |
| Core capital (leverage) ratio | 9.3465% | 4,120 |
| Tier 1 risk-based capital ratio | 12.8303% | 4,305 |
| Total risk-based capital ratio | 13.8442% | 4,427 |
| Memoranda: | ||
| Average total assets | $400,231,000 | 1,729 |
| Average earning assets | $368,475,500 | 1,718 |
| Average equity | $36,123,500 | 1,883 |
| Average total loans | $300,859,750 | 1,615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3277% | 5,513 |
| Cost of funding earning assets | 2.0557% | 3,498 |
| Net interest margin | 3.2721% | 5,654 |
| Noninterest income to average assets | 1.3699% | 814 |
| Noninterest expense to average assets | 3.3710% | 2,718 |
| Loan and lease loss provision to assets | 0.2980% | 4,179 |
| Net operating income to assets | 0.6248% | 3,564 |
| Return on assets (ROA) | 0.6248% | 3,676 |
| Pretax return on assets | 0.7043% | 3,977 |
| Return on Equity (ROE) | 7.0278% | 3,193 |
| Retained earnings to average equity (ytd only) | 4.9329% | 2,549 |
| Net charge-offs to loans | 0.3145% | 3,615 |
| Credit loss provision to net charge-offs | 126.0504% | 3,685 |
| Earnings coverage of net charge-offs (x) | 4.2395% | 3,164 |
| Efficiency ratio | 77.0812% | 3,495 |
| Assets per employee ($millions) | 2.8261% | 6,564 |
| Cash dividends to net income (ytd only)* | 29.8092% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 6,706 |
| Loan loss allowance to noncurrent loans | 51.6597% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 1.7114% | 3,619 |
| Noncurrent loans to loans | 1.7708% | 3,848 |
| Net loans and leases to total assets | 74.1359% | 2,668 |
| Net loans and leases to deposits | 95.2238% | 1,918 |
| Net loans and leases to core deposits | 117.0827% | 2,621 |
| Total domestic deposits to total assets | 77.8544% | 6,118 |
| Equity capital to assets | 9.0990% | 5,160 |
| Core capital (leverage) ratio | 9.0983% | 4,469 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,450 |
| Total risk-based capital ratio | 13.5351% | 4,604 |
| Memoranda: | ||
| Average total assets | $402,668,670 | 1,743 |
| Average earning assets | $369,614,670 | 1,739 |
| Average equity | $35,800,670 | 1,902 |
| Average total loans | $302,721,000 | 1,637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4005% | 5,427 |
| Cost of funding earning assets | 2.1003% | 3,646 |
| Net interest margin | 3.3002% | 5,501 |
| Noninterest income to average assets | 1.3974% | 721 |
| Noninterest expense to average assets | 3.1779% | 3,083 |
| Loan and lease loss provision to assets | 0.3594% | 3,161 |
| Net operating income to assets | 0.7701% | 3,256 |
| Return on assets (ROA) | 0.7701% | 3,430 |
| Pretax return on assets | 0.8774% | 3,803 |
| Return on Equity (ROE) | 8.7617% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.7617% | 1,547 |
| Net charge-offs to loans | 0.3855% | 2,559 |
| Credit loss provision to net charge-offs | 123.7288% | 3,206 |
| Earnings coverage of net charge-offs (x) | 4.2576% | 2,929 |
| Efficiency ratio | 71.9830% | 4,194 |
| Assets per employee ($millions) | 2.9057% | 6,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,885 |
| Loan loss allowance to noncurrent loans | 41.7296% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 3,418 |
| Noncurrent loans to loans | 2.0790% | 3,150 |
| Net loans and leases to total assets | 74.5460% | 2,611 |
| Net loans and leases to deposits | 99.1298% | 1,518 |
| Net loans and leases to core deposits | 119.7183% | 2,440 |
| Total domestic deposits to total assets | 75.2003% | 6,663 |
| Equity capital to assets | 8.8627% | 5,536 |
| Core capital (leverage) ratio | 9.1241% | 4,515 |
| Tier 1 risk-based capital ratio | 12.3624% | 4,649 |
| Total risk-based capital ratio | 13.2724% | 4,831 |
| Memoranda: | ||
| Average total assets | $406,178,500 | 1,737 |
| Average earning assets | $371,373,500 | 1,745 |
| Average equity | $35,701,000 | 1,917 |
| Average total loans | $306,068,500 | 1,634 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1401% | 4,830 |
| Cost of funding earning assets | 2.4046% | 4,704 |
| Net interest margin | 3.7355% | 4,301 |
| Noninterest income to average assets | 1.0022% | 1,570 |
| Noninterest expense to average assets | 3.1411% | 3,548 |
| Loan and lease loss provision to assets | 0.2384% | 4,521 |
| Net operating income to assets | 0.8266% | 3,328 |
| Return on assets (ROA) | 0.8343% | 3,131 |
| Pretax return on assets | 1.0748% | 3,119 |
| Return on Equity (ROE) | 9.0812% | 2,613 |
| Retained earnings to average equity (ytd only) | 4.6833% | 2,213 |
| Net charge-offs to loans | 0.1882% | 4,306 |
| Credit loss provision to net charge-offs | 161.5799% | 3,198 |
| Earnings coverage of net charge-offs (x) | 8.8330% | 2,814 |
| Efficiency ratio | 70.6724% | 4,205 |
| Assets per employee ($millions) | 2.8968% | 6,320 |
| Cash dividends to net income (ytd only)* | 48.4281% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 6,927 |
| Loan loss allowance to noncurrent loans | 74.0613% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 4,384 |
| Noncurrent loans to loans | 1.1394% | 4,267 |
| Net loans and leases to total assets | 74.8713% | 2,906 |
| Net loans and leases to deposits | 100.4037% | 1,800 |
| Net loans and leases to core deposits | 120.8308% | 2,618 |
| Total domestic deposits to total assets | 74.5703% | 6,542 |
| Equity capital to assets | 8.7160% | 5,786 |
| Core capital (leverage) ratio | 8.8578% | 4,962 |
| Tier 1 risk-based capital ratio | 12.1354% | 4,717 |
| Total risk-based capital ratio | 13.0241% | 4,914 |
| Memoranda: | ||
| Average total assets | $377,451,400 | 1,790 |
| Average earning assets | $347,828,600 | 1,777 |
| Average equity | $34,676,200 | 1,958 |
| Average total loans | $295,991,000 | 1,631 |