Home > Jackson County Bank > Performance and Condition Ratios
Jackson County Bank, Performance and Condition Ratios
| 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 | 2.3931% | 4,677 |
| Cost of funding earning assets | 0.5617% | 901 |
| Net interest margin | 1.8314% | 4,775 |
| Noninterest income to average assets | 0.8785% | 1,333 |
| Noninterest expense to average assets | 2.0164% | 3,654 |
| Loan and lease loss provision to assets | 0.0743% | 1,592 |
| Net operating income to assets | 0.5893% | 4,004 |
| Return on assets (ROA) | 0.6031% | 4,031 |
| Pretax return on assets | 0.5487% | 4,317 |
| Return on Equity (ROE) | 6.0474% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.0474% | 2,783 |
| Net charge-offs to loans | -0.0257% | 4,090 |
| Credit loss provision to net charge-offs | -937.5000% | 3,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8012% | 1,006 |
| Assets per employee ($millions) | 5.5579% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1276% | 4,882 |
| Loan loss allowance to noncurrent loans | 2.4354% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 291 |
| Noncurrent loans to loans | 5.2399% | 76 |
| Net loans and leases to total assets | 32.4647% | 4,574 |
| Net loans and leases to deposits | 37.3511% | 4,600 |
| Net loans and leases to core deposits | 45.5963% | 4,404 |
| Total domestic deposits to total assets | 86.9176% | 2,373 |
| Equity capital to assets | 10.1342% | 2,737 |
| Core capital (leverage) ratio | 9.3425% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0624% | 539 |
| Memoranda: | ||
| Average total assets | $201,942,000 | 3,085 |
| Average earning assets | $192,636,667 | 3,044 |
| Average equity | $20,141,000 | 3,230 |
| Average total loans | $62,358,333 | 3,855 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3996% | 4,715 |
| Cost of funding earning assets | 0.5781% | 971 |
| Net interest margin | 1.8214% | 4,803 |
| Noninterest income to average assets | 1.0726% | 1,020 |
| Noninterest expense to average assets | 2.1137% | 3,381 |
| Loan and lease loss provision to assets | 0.1479% | 885 |
| Net operating income to assets | 0.5385% | 4,099 |
| Return on assets (ROA) | 0.5639% | 4,083 |
| Pretax return on assets | 0.5698% | 4,243 |
| Return on Equity (ROE) | 5.6992% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.6992% | 3,003 |
| Net charge-offs to loans | -0.0590% | 4,464 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3338% | 1,197 |
| Assets per employee ($millions) | 5.4076% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1416% | 4,914 |
| Loan loss allowance to noncurrent loans | 3.2672% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.2512% | 577 |
| Noncurrent loans to loans | 4.3336% | 116 |
| Net loans and leases to total assets | 28.8303% | 4,727 |
| Net loans and leases to deposits | 32.9855% | 4,746 |
| Net loans and leases to core deposits | 39.9104% | 4,621 |
| Total domestic deposits to total assets | 87.4027% | 2,138 |
| Equity capital to assets | 9.7373% | 2,958 |
| Core capital (leverage) ratio | 9.9178% | 2,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7204% | 424 |
| Memoranda: | ||
| Average total assets | $202,870,500 | 3,065 |
| Average earning assets | $193,034,500 | 3,030 |
| Average equity | $20,073,000 | 3,234 |
| Average total loans | $61,017,500 | 3,898 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3586% | 4,987 |
| Cost of funding earning assets | 0.1036% | 4,856 |
| Net interest margin | 0.2549% | 4,988 |
| Noninterest income to average assets | 2.3064% | 271 |
| Noninterest expense to average assets | 0.3361% | 4,986 |
| Loan and lease loss provision to assets | 0.0020% | 4,306 |
| Net operating income to assets | 2.2129% | 183 |
| Return on assets (ROA) | 2.2164% | 193 |
| Pretax return on assets | 2.2164% | 294 |
| Return on Equity (ROE) | 22.4716% | 148 |
| Retained earnings to average equity (ytd only) | 22.4716% | 49 |
| Net charge-offs to loans | 0.0052% | 3,159 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | 1,113.7500% | 100 |
| Efficiency ratio | 13.1748% | 4,994 |
| Assets per employee ($millions) | 4.1719% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 576 |
| Noncurrent loans to loans | 4.3631% | 117 |
| Net loans and leases to total assets | 31.3145% | 4,724 |
| Net loans and leases to deposits | 36.0325% | 4,746 |
| Net loans and leases to core deposits | 45.0569% | 4,569 |
| Total domestic deposits to total assets | 86.9065% | 1,982 |
| Equity capital to assets | 10.0558% | 3,082 |
| Core capital (leverage) ratio | 10.2594% | 2,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9958% | 503 |
| Memoranda: | ||
| Average total assets | $201,135,800 | 2,934 |
| Average earning assets | $192,981,000 | 2,882 |
| Average equity | $19,838,400 | 3,204 |
| Average total loans | $76,471,200 | 3,617 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 4,554 |
| Cost of funding earning assets | 0.8836% | 1,123 |
| Net interest margin | 2.3481% | 4,757 |
| Noninterest income to average assets | 0.5476% | 2,393 |
| Noninterest expense to average assets | 3.0691% | 1,291 |
| Loan and lease loss provision to assets | 1.8053% | 41 |
| Net operating income to assets | -2.0726% | 4,989 |
| Return on assets (ROA) | -1.7309% | 4,983 |
| Pretax return on assets | -1.7256% | 4,977 |
| Return on Equity (ROE) | -17.6345% | 4,995 |
| Retained earnings to average equity (ytd only) | -17.6345% | 4,978 |
| Net charge-offs to loans | 4.6834% | 15 |
| Credit loss provision to net charge-offs | 97.1144% | 2,655 |
| Earnings coverage of net charge-offs (x) | -0.1411% | 3,146 |
| Efficiency ratio | 109.3418% | 116 |
| Assets per employee ($millions) | 3.8621% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5583% | 87 |
| Loan loss allowance to noncurrent loans | 74.8229% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 441 |
| Noncurrent loans to loans | 4.7556% | 120 |
| Net loans and leases to total assets | 35.5803% | 4,692 |
| Net loans and leases to deposits | 41.0321% | 4,724 |
| Net loans and leases to core deposits | 51.8371% | 4,532 |
| Total domestic deposits to total assets | 86.7134% | 1,767 |
| Equity capital to assets | 10.2043% | 3,062 |
| Core capital (leverage) ratio | 8.5718% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5145% | 722 |
| Memoranda: | ||
| Average total assets | $201,356,750 | 2,908 |
| Average earning assets | $193,741,500 | 2,864 |
| Average equity | $19,763,750 | 3,209 |
| Average total loans | $79,912,000 | 3,573 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1642% | 4,741 |
| Cost of funding earning assets | 0.8985% | 1,380 |
| Net interest margin | 2.2657% | 4,849 |
| Noninterest income to average assets | 0.5301% | 2,440 |
| Noninterest expense to average assets | 3.1160% | 1,320 |
| Loan and lease loss provision to assets | 2.5976% | 36 |
| Net operating income to assets | -3.0092% | 5,034 |
| Return on assets (ROA) | -2.9710% | 5,032 |
| Pretax return on assets | -2.9661% | 5,031 |
| Return on Equity (ROE) | -30.6521% | 5,045 |
| Retained earnings to average equity (ytd only) | -30.6521% | 5,034 |
| Net charge-offs to loans | 6.7704% | 9 |
| Credit loss provision to net charge-offs | 94.5772% | 2,444 |
| Earnings coverage of net charge-offs (x) | -0.1481% | 2,941 |
| Efficiency ratio | 115.0090% | 100 |
| Assets per employee ($millions) | 4.0403% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2132% | 117 |
| Loan loss allowance to noncurrent loans | 42.5047% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.8133% | 184 |
| Noncurrent loans to loans | 7.5597% | 54 |
| Net loans and leases to total assets | 36.0188% | 4,722 |
| Net loans and leases to deposits | 41.1126% | 4,766 |
| Net loans and leases to core deposits | 55.2833% | 4,453 |
| Total domestic deposits to total assets | 87.6102% | 1,372 |
| Equity capital to assets | 9.4644% | 3,691 |
| Core capital (leverage) ratio | 8.2565% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4428% | 989 |
| Memoranda: | ||
| Average total assets | $204,107,667 | 2,872 |
| Average earning assets | $196,319,667 | 2,818 |
| Average equity | $19,783,333 | 3,197 |
| Average total loans | $82,802,000 | 3,536 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3547% | 4,769 |
| Cost of funding earning assets | 0.9134% | 1,800 |
| Net interest margin | 2.4412% | 4,855 |
| Noninterest income to average assets | 0.5277% | 2,397 |
| Noninterest expense to average assets | 3.5779% | 838 |
| Loan and lease loss provision to assets | 5.0725% | 15 |
| Net operating income to assets | -5.7814% | 5,099 |
| Return on assets (ROA) | -5.7617% | 5,092 |
| Pretax return on assets | -5.7558% | 5,090 |
| Return on Equity (ROE) | -58.7432% | 5,107 |
| Retained earnings to average equity (ytd only) | -58.7432% | 5,093 |
| Net charge-offs to loans | 12.3501% | 4 |
| Credit loss provision to net charge-offs | 97.1709% | 1,871 |
| Earnings coverage of net charge-offs (x) | -0.1347% | 2,488 |
| Efficiency ratio | 124.4521% | 95 |
| Assets per employee ($millions) | 3.9471% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1942% | 125 |
| Loan loss allowance to noncurrent loans | 52.8274% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 2.3435% | 313 |
| Noncurrent loans to loans | 6.0465% | 81 |
| Net loans and leases to total assets | 37.5198% | 4,741 |
| Net loans and leases to deposits | 42.6896% | 4,787 |
| Net loans and leases to core deposits | 57.5153% | 4,448 |
| Total domestic deposits to total assets | 87.8898% | 1,151 |
| Equity capital to assets | 9.2663% | 4,417 |
| Core capital (leverage) ratio | 8.4578% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5567% | 1,223 |
| Memoranda: | ||
| Average total assets | $203,133,500 | 2,842 |
| Average earning assets | $195,310,000 | 2,777 |
| Average equity | $19,924,000 | 3,177 |
| Average total loans | $85,861,500 | 3,487 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 4,741 |
| Cost of funding earning assets | 0.8824% | 2,275 |
| Net interest margin | 2.7497% | 4,792 |
| Noninterest income to average assets | 0.6235% | 2,115 |
| Noninterest expense to average assets | 2.9657% | 2,110 |
| Loan and lease loss provision to assets | 1.1219% | 79 |
| Net operating income to assets | -0.8154% | 5,080 |
| Return on assets (ROA) | -0.2845% | 5,039 |
| Pretax return on assets | -0.2793% | 5,034 |
| Return on Equity (ROE) | -2.9218% | 5,046 |
| Retained earnings to average equity (ytd only) | -2.9218% | 4,908 |
| Net charge-offs to loans | 3.7716% | 25 |
| Credit loss provision to net charge-offs | 56.7633% | 3,069 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 3,628 |
| Efficiency ratio | 90.4880% | 338 |
| Assets per employee ($millions) | 3.7226% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8381% | 150 |
| Loan loss allowance to noncurrent loans | 48.9613% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.6580% | 230 |
| Noncurrent loans to loans | 5.7967% | 72 |
| Net loans and leases to total assets | 44.5517% | 4,578 |
| Net loans and leases to deposits | 51.4164% | 4,631 |
| Net loans and leases to core deposits | 70.0167% | 3,961 |
| Total domestic deposits to total assets | 86.6490% | 1,782 |
| Equity capital to assets | 10.3618% | 3,578 |
| Core capital (leverage) ratio | 9.7117% | 3,831 |
| Tier 1 risk-based capital ratio | 17.0105% | 2,047 |
| Total risk-based capital ratio | 18.2999% | 1,979 |
| Memoranda: | ||
| Average total assets | $209,460,600 | 2,763 |
| Average earning assets | $202,166,800 | 2,690 |
| Average equity | $20,398,400 | 3,096 |
| Average total loans | $109,768,200 | 3,093 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 4,844 |
| Cost of funding earning assets | 0.8741% | 2,349 |
| Net interest margin | 2.7691% | 4,880 |
| Noninterest income to average assets | 0.5974% | 2,214 |
| Noninterest expense to average assets | 3.0085% | 1,955 |
| Loan and lease loss provision to assets | 1.3442% | 64 |
| Net operating income to assets | -1.0833% | 5,180 |
| Return on assets (ROA) | -1.0833% | 5,185 |
| Pretax return on assets | -1.0783% | 5,179 |
| Return on Equity (ROE) | -11.2955% | 5,207 |
| Retained earnings to average equity (ytd only) | -11.2955% | 5,157 |
| Net charge-offs to loans | 3.2700% | 33 |
| Credit loss provision to net charge-offs | 76.1786% | 2,550 |
| Earnings coverage of net charge-offs (x) | 0.1507% | 3,375 |
| Efficiency ratio | 91.8784% | 274 |
| Assets per employee ($millions) | 3.6439% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7270% | 79 |
| Loan loss allowance to noncurrent loans | 31.5315% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 5.9167% | 50 |
| Noncurrent loans to loans | 11.8198% | 17 |
| Net loans and leases to total assets | 48.1920% | 4,505 |
| Net loans and leases to deposits | 55.3246% | 4,582 |
| Net loans and leases to core deposits | 75.2610% | 3,740 |
| Total domestic deposits to total assets | 87.1078% | 1,463 |
| Equity capital to assets | 9.9204% | 4,102 |
| Core capital (leverage) ratio | 9.1976% | 4,476 |
| Tier 1 risk-based capital ratio | 15.6912% | 2,565 |
| Total risk-based capital ratio | 16.9789% | 2,480 |
| Memoranda: | ||
| Average total assets | $211,571,250 | 2,755 |
| Average earning assets | $204,540,500 | 2,680 |
| Average equity | $20,290,750 | 3,125 |
| Average total loans | $114,167,000 | 3,059 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 4,919 |
| Cost of funding earning assets | 0.8573% | 2,366 |
| Net interest margin | 2.7584% | 4,959 |
| Noninterest income to average assets | 0.6085% | 2,107 |
| Noninterest expense to average assets | 2.9597% | 2,109 |
| Loan and lease loss provision to assets | 1.8422% | 43 |
| Net operating income to assets | -1.5319% | 5,249 |
| Return on assets (ROA) | -1.5319% | 5,249 |
| Pretax return on assets | -1.5272% | 5,245 |
| Return on Equity (ROE) | -16.1453% | 5,270 |
| Retained earnings to average equity (ytd only) | -16.1453% | 5,231 |
| Net charge-offs to loans | 3.1823% | 35 |
| Credit loss provision to net charge-offs | 104.9206% | 1,902 |
| Earnings coverage of net charge-offs (x) | 0.1794% | 3,099 |
| Efficiency ratio | 90.3830% | 339 |
| Assets per employee ($millions) | 3.9695% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1149% | 59 |
| Loan loss allowance to noncurrent loans | 29.8818% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 7.2941% | 33 |
| Noncurrent loans to loans | 13.7706% | 10 |
| Net loans and leases to total assets | 50.7892% | 4,424 |
| Net loans and leases to deposits | 58.6634% | 4,488 |
| Net loans and leases to core deposits | 80.7087% | 3,364 |
| Total domestic deposits to total assets | 86.5773% | 1,782 |
| Equity capital to assets | 9.5871% | 4,323 |
| Core capital (leverage) ratio | 8.9991% | 4,627 |
| Tier 1 risk-based capital ratio | 15.2253% | 2,742 |
| Total risk-based capital ratio | 16.5155% | 2,664 |
| Memoranda: | ||
| Average total assets | $215,290,000 | 2,731 |
| Average earning assets | $208,093,670 | 2,659 |
| Average equity | $20,427,000 | 3,109 |
| Average total loans | $118,781,670 | 3,001 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 4,960 |
| Cost of funding earning assets | 0.8181% | 2,434 |
| Net interest margin | 2.7918% | 4,996 |
| Noninterest income to average assets | 0.6098% | 2,002 |
| Noninterest expense to average assets | 2.7252% | 2,826 |
| Loan and lease loss provision to assets | 0.2731% | 501 |
| Net operating income to assets | 0.3022% | 4,896 |
| Return on assets (ROA) | 0.3022% | 4,899 |
| Pretax return on assets | 0.3077% | 4,953 |
| Return on Equity (ROE) | 3.2006% | 4,744 |
| Retained earnings to average equity (ytd only) | 3.2006% | 3,657 |
| Net charge-offs to loans | 0.9975% | 140 |
| Credit loss provision to net charge-offs | 48.7013% | 1,986 |
| Earnings coverage of net charge-offs (x) | 1.0357% | 2,630 |
| Efficiency ratio | 82.4339% | 837 |
| Assets per employee ($millions) | 4.4662% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6792% | 75 |
| Loan loss allowance to noncurrent loans | 30.7670% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 6.1829% | 44 |
| Noncurrent loans to loans | 11.9582% | 17 |
| Net loans and leases to total assets | 49.8021% | 4,481 |
| Net loans and leases to deposits | 58.6557% | 4,471 |
| Net loans and leases to core deposits | 80.2767% | 3,339 |
| Total domestic deposits to total assets | 84.9057% | 2,713 |
| Equity capital to assets | 9.3999% | 4,342 |
| Core capital (leverage) ratio | 9.5478% | 4,074 |
| Tier 1 risk-based capital ratio | 16.0784% | 2,402 |
| Total risk-based capital ratio | 17.3660% | 2,339 |
| Memoranda: | ||
| Average total assets | $219,729,000 | 2,725 |
| Average earning assets | $212,192,000 | 2,647 |
| Average equity | $20,746,000 | 3,090 |
| Average total loans | $123,505,500 | 2,983 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7352% | 4,615 |
| Cost of funding earning assets | 0.8189% | 1,443 |
| Net interest margin | 2.9163% | 4,897 |
| Noninterest income to average assets | 0.6447% | 2,064 |
| Noninterest expense to average assets | 4.1764% | 408 |
| Loan and lease loss provision to assets | 4.7989% | 8 |
| Net operating income to assets | -5.5143% | 5,398 |
| Return on assets (ROA) | -5.5143% | 5,398 |
| Pretax return on assets | -5.5096% | 5,396 |
| Return on Equity (ROE) | -54.9320% | 5,396 |
| Retained earnings to average equity (ytd only) | -54.9320% | 5,395 |
| Net charge-offs to loans | 6.5792% | 8 |
| Credit loss provision to net charge-offs | 105.5498% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.1563% | 3,720 |
| Efficiency ratio | 120.5068% | 58 |
| Assets per employee ($millions) | 4.1567% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3493% | 93 |
| Loan loss allowance to noncurrent loans | 25.9283% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 7.8617% | 27 |
| Noncurrent loans to loans | 12.9175% | 14 |
| Net loans and leases to total assets | 58.8227% | 3,890 |
| Net loans and leases to deposits | 69.6931% | 3,852 |
| Net loans and leases to core deposits | 96.9862% | 1,966 |
| Total domestic deposits to total assets | 84.4024% | 2,871 |
| Equity capital to assets | 9.4847% | 4,146 |
| Core capital (leverage) ratio | 9.5454% | 4,069 |
| Tier 1 risk-based capital ratio | 13.4798% | 3,557 |
| Total risk-based capital ratio | 14.7582% | 3,451 |
| Memoranda: | ||
| Average total assets | $233,429,400 | 2,593 |
| Average earning assets | $225,798,600 | 2,516 |
| Average equity | $23,432,600 | 2,777 |
| Average total loans | $161,312,400 | 2,508 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 4,478 |
| Cost of funding earning assets | 0.8193% | 1,245 |
| Net interest margin | 2.9618% | 4,903 |
| Noninterest income to average assets | 0.6242% | 2,192 |
| Noninterest expense to average assets | 2.6980% | 2,989 |
| Loan and lease loss provision to assets | 6.1996% | 6 |
| Net operating income to assets | -5.4095% | 5,467 |
| Return on assets (ROA) | -5.4095% | 5,467 |
| Pretax return on assets | -5.4050% | 5,467 |
| Return on Equity (ROE) | -53.2205% | 5,471 |
| Retained earnings to average equity (ytd only) | -53.2205% | 5,468 |
| Net charge-offs to loans | 6.6407% | 9 |
| Credit loss provision to net charge-offs | 131.5289% | 1,874 |
| Earnings coverage of net charge-offs (x) | 0.1686% | 3,415 |
| Efficiency ratio | 77.2479% | 1,203 |
| Assets per employee ($millions) | 4.0980% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5063% | 45 |
| Loan loss allowance to noncurrent loans | 44.2007% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 6.6116% | 47 |
| Noncurrent loans to loans | 10.1950% | 28 |
| Net loans and leases to total assets | 61.9288% | 3,665 |
| Net loans and leases to deposits | 74.1857% | 3,579 |
| Net loans and leases to core deposits | 104.6345% | 1,408 |
| Total domestic deposits to total assets | 83.4780% | 3,128 |
| Equity capital to assets | 10.6366% | 3,007 |
| Core capital (leverage) ratio | 10.4504% | 3,129 |
| Tier 1 risk-based capital ratio | 15.4516% | 2,671 |
| Total risk-based capital ratio | 16.7494% | 2,582 |
| Memoranda: | ||
| Average total assets | $237,749,750 | 2,571 |
| Average earning assets | $230,260,000 | 2,499 |
| Average equity | $24,165,500 | 2,723 |
| Average total loans | $168,753,000 | 2,463 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 4,585 |
| Cost of funding earning assets | 0.8208% | 1,041 |
| Net interest margin | 2.8792% | 5,044 |
| Noninterest income to average assets | 0.5986% | 2,325 |
| Noninterest expense to average assets | 2.6345% | 3,206 |
| Loan and lease loss provision to assets | 5.7599% | 9 |
| Net operating income to assets | -5.0108% | 5,533 |
| Return on assets (ROA) | -5.0108% | 5,532 |
| Pretax return on assets | -5.0067% | 5,529 |
| Return on Equity (ROE) | -50.0027% | 5,532 |
| Retained earnings to average equity (ytd only) | -50.0027% | 5,527 |
| Net charge-offs to loans | 6.9336% | 9 |
| Credit loss provision to net charge-offs | 114.0508% | 1,850 |
| Earnings coverage of net charge-offs (x) | 0.1491% | 3,138 |
| Efficiency ratio | 77.7670% | 1,220 |
| Assets per employee ($millions) | 4.4062% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9396% | 155 |
| Loan loss allowance to noncurrent loans | 21.1163% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 9.6730% | 24 |
| Noncurrent loans to loans | 13.9210% | 12 |
| Net loans and leases to total assets | 67.4424% | 2,954 |
| Net loans and leases to deposits | 80.5322% | 2,893 |
| Net loans and leases to core deposits | 112.9873% | 840 |
| Total domestic deposits to total assets | 83.7458% | 3,151 |
| Equity capital to assets | 10.5760% | 3,048 |
| Core capital (leverage) ratio | 10.1188% | 3,461 |
| Tier 1 risk-based capital ratio | 13.7687% | 3,469 |
| Total risk-based capital ratio | 15.0480% | 3,375 |
| Memoranda: | ||
| Average total assets | $243,235,330 | 2,543 |
| Average earning assets | $235,620,000 | 2,471 |
| Average equity | $24,374,670 | 2,714 |
| Average total loans | $177,167,000 | 2,374 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,406 |
| Cost of funding earning assets | 0.8025% | 941 |
| Net interest margin | 3.2495% | 4,317 |
| Noninterest income to average assets | 0.5913% | 2,311 |
| Noninterest expense to average assets | 2.5442% | 3,522 |
| Loan and lease loss provision to assets | 1.4463% | 53 |
| Net operating income to assets | -0.2589% | 5,463 |
| Return on assets (ROA) | -0.2589% | 5,457 |
| Pretax return on assets | -0.2541% | 5,457 |
| Return on Equity (ROE) | -2.6507% | 5,461 |
| Retained earnings to average equity (ytd only) | -2.6507% | 5,056 |
| Net charge-offs to loans | 1.6267% | 82 |
| Credit loss provision to net charge-offs | 119.5509% | 1,381 |
| Earnings coverage of net charge-offs (x) | 0.9855% | 2,600 |
| Efficiency ratio | 68.0924% | 2,817 |
| Assets per employee ($millions) | 4.9316% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1478% | 427 |
| Loan loss allowance to noncurrent loans | 36.1638% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 4.3592% | 130 |
| Noncurrent loans to loans | 5.9390% | 103 |
| Net loans and leases to total assets | 71.8237% | 2,195 |
| Net loans and leases to deposits | 86.1968% | 2,141 |
| Net loans and leases to core deposits | 123.8328% | 473 |
| Total domestic deposits to total assets | 83.3253% | 3,573 |
| Equity capital to assets | 9.6047% | 3,991 |
| Core capital (leverage) ratio | 9.6736% | 3,876 |
| Tier 1 risk-based capital ratio | 12.3207% | 4,363 |
| Total risk-based capital ratio | 13.5796% | 4,251 |
| Memoranda: | ||
| Average total assets | $250,291,500 | 2,511 |
| Average earning assets | $242,255,500 | 2,436 |
| Average equity | $24,446,000 | 2,726 |
| Average total loans | $186,147,500 | 2,311 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,704 |
| Cost of funding earning assets | 0.7146% | 952 |
| Net interest margin | 3.4800% | 3,593 |
| Noninterest income to average assets | 0.5470% | 2,731 |
| Noninterest expense to average assets | 2.2044% | 4,522 |
| Loan and lease loss provision to assets | 0.5828% | 219 |
| Net operating income to assets | 1.1211% | 1,790 |
| Return on assets (ROA) | 1.1211% | 1,816 |
| Pretax return on assets | 1.1255% | 3,084 |
| Return on Equity (ROE) | 11.1179% | 1,430 |
| Retained earnings to average equity (ytd only) | 6.2656% | 1,399 |
| Net charge-offs to loans | 0.9052% | 213 |
| Credit loss provision to net charge-offs | 82.2472% | 2,912 |
| Earnings coverage of net charge-offs (x) | 2.4107% | 3,743 |
| Efficiency ratio | 56.3390% | 4,732 |
| Assets per employee ($millions) | 4.9045% | 2,593 |
| Cash dividends to net income (ytd only)* | 43.6435% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 1,053 |
| Loan loss allowance to noncurrent loans | 39.0380% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 3.1584% | 243 |
| Noncurrent loans to loans | 4.2032% | 218 |
| Net loans and leases to total assets | 73.9087% | 1,935 |
| Net loans and leases to deposits | 89.5526% | 1,828 |
| Net loans and leases to core deposits | 129.9656% | 341 |
| Total domestic deposits to total assets | 82.5310% | 3,720 |
| Equity capital to assets | 10.3123% | 3,376 |
| Core capital (leverage) ratio | 10.2118% | 3,176 |
| Tier 1 risk-based capital ratio | 12.7664% | 4,052 |
| Total risk-based capital ratio | 14.0195% | 3,946 |
| Memoranda: | ||
| Average total assets | $251,181,600 | 2,485 |
| Average earning assets | $242,931,600 | 2,402 |
| Average equity | $25,328,600 | 2,655 |
| Average total loans | $196,630,800 | 2,183 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,248 |
| Cost of funding earning assets | 0.6784% | 1,082 |
| Net interest margin | 3.6262% | 3,051 |
| Noninterest income to average assets | 0.5271% | 2,853 |
| Noninterest expense to average assets | 2.2541% | 4,410 |
| Loan and lease loss provision to assets | 0.0716% | 2,646 |
| Net operating income to assets | 1.7058% | 575 |
| Return on assets (ROA) | 1.7058% | 586 |
| Pretax return on assets | 1.7101% | 1,098 |
| Return on Equity (ROE) | 17.0125% | 418 |
| Retained earnings to average equity (ytd only) | 10.5131% | 488 |
| Net charge-offs to loans | 0.0349% | 2,738 |
| Credit loss provision to net charge-offs | 259.6154% | 1,100 |
| Earnings coverage of net charge-offs (x) | 64.6169% | 948 |
| Efficiency ratio | 55.8534% | 4,763 |
| Assets per employee ($millions) | 4.8598% | 2,621 |
| Cash dividends to net income (ytd only)* | 38.2034% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 936 |
| Loan loss allowance to noncurrent loans | 37.3552% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 3.6896% | 194 |
| Noncurrent loans to loans | 4.6912% | 183 |
| Net loans and leases to total assets | 77.2701% | 1,386 |
| Net loans and leases to deposits | 93.8095% | 1,320 |
| Net loans and leases to core deposits | 133.7548% | 287 |
| Total domestic deposits to total assets | 82.3692% | 3,664 |
| Equity capital to assets | 10.4590% | 3,413 |
| Core capital (leverage) ratio | 10.3306% | 3,165 |
| Tier 1 risk-based capital ratio | 12.5866% | 4,265 |
| Total risk-based capital ratio | 13.8420% | 4,168 |
| Memoranda: | ||
| Average total assets | $251,444,750 | 2,498 |
| Average earning assets | $243,299,000 | 2,415 |
| Average equity | $25,212,250 | 2,687 |
| Average total loans | $198,800,750 | 2,170 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3530% | 1,966 |
| Cost of funding earning assets | 0.6485% | 1,151 |
| Net interest margin | 3.7045% | 2,641 |
| Noninterest income to average assets | 0.5251% | 2,858 |
| Noninterest expense to average assets | 2.2452% | 4,470 |
| Loan and lease loss provision to assets | 0.0717% | 2,536 |
| Net operating income to assets | 1.7863% | 463 |
| Return on assets (ROA) | 1.7863% | 477 |
| Pretax return on assets | 1.7903% | 864 |
| Return on Equity (ROE) | 18.0763% | 330 |
| Retained earnings to average equity (ytd only) | 8.1674% | 1,095 |
| Net charge-offs to loans | 0.0121% | 3,034 |
| Credit loss provision to net charge-offs | 750.0000% | 473 |
| Earnings coverage of net charge-offs (x) | 194.7500% | 423 |
| Efficiency ratio | 54.6654% | 4,954 |
| Assets per employee ($millions) | 4.8101% | 2,630 |
| Cash dividends to net income (ytd only)* | 54.8171% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,088 |
| Loan loss allowance to noncurrent loans | 910.4712% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 4,531 |
| Noncurrent loans to loans | 0.1851% | 4,374 |
| Net loans and leases to total assets | 81.1068% | 799 |
| Net loans and leases to deposits | 98.1276% | 886 |
| Net loans and leases to core deposits | 137.4207% | 212 |
| Total domestic deposits to total assets | 82.6544% | 3,668 |
| Equity capital to assets | 10.1956% | 3,672 |
| Core capital (leverage) ratio | 9.9576% | 3,589 |
| Tier 1 risk-based capital ratio | 12.0072% | 4,626 |
| Total risk-based capital ratio | 13.2622% | 4,510 |
| Memoranda: | ||
| Average total assets | $251,022,670 | 2,507 |
| Average earning assets | $242,729,330 | 2,426 |
| Average equity | $24,806,000 | 2,719 |
| Average total loans | $198,816,670 | 2,176 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,190 |
| Cost of funding earning assets | 0.6286% | 1,199 |
| Net interest margin | 3.5955% | 2,901 |
| Noninterest income to average assets | 0.5281% | 2,780 |
| Noninterest expense to average assets | 2.3382% | 4,297 |
| Loan and lease loss provision to assets | 0.0716% | 2,372 |
| Net operating income to assets | 1.5891% | 691 |
| Return on assets (ROA) | 1.5891% | 707 |
| Pretax return on assets | 1.5938% | 1,255 |
| Return on Equity (ROE) | 16.3382% | 487 |
| Retained earnings to average equity (ytd only) | 14.6864% | 253 |
| Net charge-offs to loans | 0.0554% | 1,777 |
| Credit loss provision to net charge-offs | 166.6667% | 1,134 |
| Earnings coverage of net charge-offs (x) | 38.7778% | 1,058 |
| Efficiency ratio | 58.4029% | 4,671 |
| Assets per employee ($millions) | 4.8668% | 2,609 |
| Cash dividends to net income (ytd only)* | 10.1101% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 1,077 |
| Loan loss allowance to noncurrent loans | 498.2507% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 4,105 |
| Noncurrent loans to loans | 0.3488% | 3,848 |
| Net loans and leases to total assets | 74.9169% | 1,595 |
| Net loans and leases to deposits | 89.8069% | 1,562 |
| Net loans and leases to core deposits | 111.4576% | 799 |
| Total domestic deposits to total assets | 83.4200% | 3,690 |
| Equity capital to assets | 9.6835% | 4,081 |
| Core capital (leverage) ratio | 10.0957% | 3,382 |
| Tier 1 risk-based capital ratio | 12.3539% | 4,477 |
| Total risk-based capital ratio | 13.6091% | 4,379 |
| Memoranda: | ||
| Average total assets | $251,470,500 | 2,530 |
| Average earning assets | $243,081,500 | 2,450 |
| Average equity | $24,458,000 | 2,755 |
| Average total loans | $195,051,000 | 2,223 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,846 |
| Cost of funding earning assets | 0.5810% | 1,479 |
| Net interest margin | 3.8110% | 2,277 |
| Noninterest income to average assets | 0.5993% | 2,667 |
| Noninterest expense to average assets | 2.3952% | 4,309 |
| Loan and lease loss provision to assets | 0.0776% | 2,810 |
| Net operating income to assets | 1.7950% | 452 |
| Return on assets (ROA) | 1.8170% | 452 |
| Pretax return on assets | 1.8226% | 755 |
| Return on Equity (ROE) | 17.2101% | 384 |
| Retained earnings to average equity (ytd only) | 3.5490% | 3,402 |
| Net charge-offs to loans | -0.0131% | 5,011 |
| Credit loss provision to net charge-offs | -750.0000% | 5,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0488% | 5,067 |
| Assets per employee ($millions) | 4.6226% | 2,926 |
| Cash dividends to net income (ytd only)* | 79.3783% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 1,025 |
| Loan loss allowance to noncurrent loans | 562.9139% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 4,319 |
| Noncurrent loans to loans | 0.3122% | 4,024 |
| Net loans and leases to total assets | 77.5684% | 1,277 |
| Net loans and leases to deposits | 93.4662% | 1,250 |
| Net loans and leases to core deposits | 117.8322% | 553 |
| Total domestic deposits to total assets | 82.9909% | 3,771 |
| Equity capital to assets | 9.7707% | 3,981 |
| Core capital (leverage) ratio | 10.1548% | 3,296 |
| Tier 1 risk-based capital ratio | 12.2627% | 4,529 |
| Total risk-based capital ratio | 13.5184% | 4,404 |
| Memoranda: | ||
| Average total assets | $231,919,800 | 2,643 |
| Average earning assets | $223,592,000 | 2,563 |
| Average equity | $24,485,600 | 2,761 |
| Average total loans | $182,982,000 | 2,281 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 1,847 |
| Cost of funding earning assets | 0.5678% | 1,558 |
| Net interest margin | 3.8370% | 2,201 |
| Noninterest income to average assets | 0.5884% | 2,719 |
| Noninterest expense to average assets | 2.3605% | 4,379 |
| Loan and lease loss provision to assets | 0.0787% | 2,645 |
| Net operating income to assets | 1.8438% | 449 |
| Return on assets (ROA) | 1.8648% | 454 |
| Pretax return on assets | 1.8701% | 759 |
| Return on Equity (ROE) | 17.3170% | 418 |
| Retained earnings to average equity (ytd only) | 7.7218% | 1,299 |
| Net charge-offs to loans | -0.0333% | 5,203 |
| Credit loss provision to net charge-offs | -300.0000% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0449% | 5,154 |
| Assets per employee ($millions) | 4.4479% | 3,168 |
| Cash dividends to net income (ytd only)* | 55.4097% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 1,119 |
| Loan loss allowance to noncurrent loans | 909.9730% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 4,801 |
| Noncurrent loans to loans | 0.1915% | 4,583 |
| Net loans and leases to total assets | 80.7557% | 791 |
| Net loans and leases to deposits | 100.3542% | 686 |
| Net loans and leases to core deposits | 124.2444% | 410 |
| Total domestic deposits to total assets | 80.4706% | 4,401 |
| Equity capital to assets | 10.8087% | 3,237 |
| Core capital (leverage) ratio | 10.6248% | 2,851 |
| Tier 1 risk-based capital ratio | 12.4490% | 4,504 |
| Total risk-based capital ratio | 13.7046% | 4,398 |
| Memoranda: | ||
| Average total assets | $228,650,250 | 2,682 |
| Average earning assets | $220,479,250 | 2,606 |
| Average equity | $24,622,500 | 2,775 |
| Average total loans | $180,367,250 | 2,310 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,014 |
| Cost of funding earning assets | 0.5549% | 1,656 |
| Net interest margin | 3.7863% | 2,381 |
| Noninterest income to average assets | 0.5754% | 2,756 |
| Noninterest expense to average assets | 2.3678% | 4,433 |
| Loan and lease loss provision to assets | 0.0795% | 2,550 |
| Net operating income to assets | 1.7721% | 499 |
| Return on assets (ROA) | 1.7933% | 506 |
| Pretax return on assets | 1.7977% | 886 |
| Return on Equity (ROE) | 16.6744% | 462 |
| Retained earnings to average equity (ytd only) | 6.2293% | 2,000 |
| Net charge-offs to loans | -0.0432% | 5,309 |
| Credit loss provision to net charge-offs | -236.8421% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0578% | 5,142 |
| Assets per employee ($millions) | 4.0880% | 3,760 |
| Cash dividends to net income (ytd only)* | 62.6417% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 1,096 |
| Loan loss allowance to noncurrent loans | 417.5879% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 4,101 |
| Noncurrent loans to loans | 0.4283% | 3,820 |
| Net loans and leases to total assets | 79.7344% | 948 |
| Net loans and leases to deposits | 98.0422% | 888 |
| Net loans and leases to core deposits | 121.6801% | 469 |
| Total domestic deposits to total assets | 81.3266% | 4,178 |
| Equity capital to assets | 10.8701% | 3,205 |
| Core capital (leverage) ratio | 10.5298% | 2,937 |
| Tier 1 risk-based capital ratio | 12.6246% | 4,432 |
| Total risk-based capital ratio | 13.8808% | 4,331 |
| Memoranda: | ||
| Average total assets | $226,288,000 | 2,724 |
| Average earning assets | $218,048,670 | 2,633 |
| Average equity | $24,336,670 | 2,802 |
| Average total loans | $175,907,330 | 2,354 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 2,215 |
| Cost of funding earning assets | 0.5407% | 1,787 |
| Net interest margin | 3.7353% | 2,538 |
| Noninterest income to average assets | 0.5956% | 2,560 |
| Noninterest expense to average assets | 2.5035% | 4,059 |
| Loan and lease loss provision to assets | 0.0800% | 2,360 |
| Net operating income to assets | 1.6073% | 691 |
| Return on assets (ROA) | 1.6073% | 735 |
| Pretax return on assets | 1.6109% | 1,265 |
| Return on Equity (ROE) | 15.0275% | 666 |
| Retained earnings to average equity (ytd only) | 6.9652% | 1,904 |
| Net charge-offs to loans | -0.0679% | 5,476 |
| Credit loss provision to net charge-offs | -155.1724% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6863% | 4,788 |
| Assets per employee ($millions) | 4.4929% | 3,083 |
| Cash dividends to net income (ytd only)* | 53.6504% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 961 |
| Loan loss allowance to noncurrent loans | 149.2469% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 2,273 |
| Noncurrent loans to loans | 1.2776% | 1,890 |
| Net loans and leases to total assets | 74.8816% | 1,573 |
| Net loans and leases to deposits | 92.1384% | 1,334 |
| Net loans and leases to core deposits | 110.7164% | 816 |
| Total domestic deposits to total assets | 81.2708% | 4,412 |
| Equity capital to assets | 10.8425% | 3,124 |
| Core capital (leverage) ratio | 10.5886% | 2,862 |
| Tier 1 risk-based capital ratio | 13.5834% | 3,928 |
| Total risk-based capital ratio | 14.8410% | 3,859 |
| Memoranda: | ||
| Average total assets | $224,967,000 | 2,737 |
| Average earning assets | $216,743,000 | 2,658 |
| Average equity | $24,062,500 | 2,826 |
| Average total loans | $170,931,000 | 2,397 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3588% | 2,027 |
| Cost of funding earning assets | 0.5198% | 1,997 |
| Net interest margin | 3.8390% | 2,237 |
| Noninterest income to average assets | 0.6797% | 2,295 |
| Noninterest expense to average assets | 2.4182% | 4,471 |
| Loan and lease loss provision to assets | 0.1170% | 2,037 |
| Net operating income to assets | 1.8354% | 460 |
| Return on assets (ROA) | 1.8607% | 447 |
| Pretax return on assets | 1.8621% | 707 |
| Return on Equity (ROE) | 16.6285% | 492 |
| Retained earnings to average equity (ytd only) | 0.0795% | 5,474 |
| Net charge-offs to loans | -0.0074% | 5,044 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3105% | 5,408 |
| Assets per employee ($millions) | 4.5058% | 3,042 |
| Cash dividends to net income (ytd only)* | 99.5220% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 999 |
| Loan loss allowance to noncurrent loans | 367.7791% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,050 |
| Noncurrent loans to loans | 0.5101% | 3,656 |
| Net loans and leases to total assets | 74.2061% | 1,695 |
| Net loans and leases to deposits | 90.9585% | 1,511 |
| Net loans and leases to core deposits | 109.3352% | 898 |
| Total domestic deposits to total assets | 81.5824% | 4,310 |
| Equity capital to assets | 10.5500% | 3,303 |
| Core capital (leverage) ratio | 10.7760% | 2,626 |
| Tier 1 risk-based capital ratio | 13.5639% | 3,970 |
| Total risk-based capital ratio | 14.8213% | 3,901 |
| Memoranda: | ||
| Average total assets | $213,633,600 | 2,802 |
| Average earning assets | $205,470,200 | 2,718 |
| Average equity | $23,904,800 | 2,795 |
| Average total loans | $162,290,200 | 2,438 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 1,998 |
| Cost of funding earning assets | 0.5171% | 2,067 |
| Net interest margin | 3.8577% | 2,163 |
| Noninterest income to average assets | 0.6606% | 2,423 |
| Noninterest expense to average assets | 2.3531% | 4,643 |
| Loan and lease loss provision to assets | 0.1424% | 1,555 |
| Net operating income to assets | 1.8735% | 447 |
| Return on assets (ROA) | 1.9071% | 439 |
| Pretax return on assets | 1.9090% | 706 |
| Return on Equity (ROE) | 16.7867% | 493 |
| Retained earnings to average equity (ytd only) | 3.5979% | 3,909 |
| Net charge-offs to loans | 0.0058% | 3,972 |
| Credit loss provision to net charge-offs | 3,214.2857% | 114 |
| Earnings coverage of net charge-offs (x) | 455.7224% | 160 |
| Efficiency ratio | 53.8361% | 5,530 |
| Assets per employee ($millions) | 4.3599% | 3,230 |
| Cash dividends to net income (ytd only)* | 78.5665% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8759% | 1,127 |
| Loan loss allowance to noncurrent loans | 680.7775% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 4,912 |
| Noncurrent loans to loans | 0.2755% | 4,595 |
| Net loans and leases to total assets | 75.6334% | 1,443 |
| Net loans and leases to deposits | 91.2915% | 1,490 |
| Net loans and leases to core deposits | 107.8297% | 990 |
| Total domestic deposits to total assets | 82.8482% | 3,864 |
| Equity capital to assets | 11.1805% | 2,815 |
| Core capital (leverage) ratio | 11.0217% | 2,465 |
| Tier 1 risk-based capital ratio | 14.0765% | 3,809 |
| Total risk-based capital ratio | 15.3338% | 3,746 |
| Memoranda: | ||
| Average total assets | $210,719,500 | 2,855 |
| Average earning assets | $202,669,250 | 2,774 |
| Average equity | $23,939,000 | 2,809 |
| Average total loans | $160,269,000 | 2,472 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 1,819 |
| Cost of funding earning assets | 0.5018% | 2,236 |
| Net interest margin | 3.9088% | 1,942 |
| Noninterest income to average assets | 0.6520% | 2,469 |
| Noninterest expense to average assets | 2.3524% | 4,708 |
| Loan and lease loss provision to assets | 0.1440% | 1,499 |
| Net operating income to assets | 1.9079% | 430 |
| Return on assets (ROA) | 1.9588% | 411 |
| Pretax return on assets | 1.9607% | 648 |
| Return on Equity (ROE) | 17.1469% | 467 |
| Retained earnings to average equity (ytd only) | 1.2104% | 5,073 |
| Net charge-offs to loans | -0.0051% | 4,743 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3885% | 5,627 |
| Assets per employee ($millions) | 4.7195% | 2,650 |
| Cash dividends to net income (ytd only)* | 92.9412% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9268% | 1,114 |
| Loan loss allowance to noncurrent loans | 346.5769% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 4,274 |
| Noncurrent loans to loans | 0.5560% | 3,789 |
| Net loans and leases to total assets | 72.3984% | 1,916 |
| Net loans and leases to deposits | 87.0891% | 1,929 |
| Net loans and leases to core deposits | 103.0899% | 1,260 |
| Total domestic deposits to total assets | 83.1314% | 3,896 |
| Equity capital to assets | 10.9440% | 2,941 |
| Core capital (leverage) ratio | 11.3434% | 2,127 |
| Tier 1 risk-based capital ratio | 15.6554% | 3,019 |
| Total risk-based capital ratio | 16.9152% | 2,969 |
| Memoranda: | ||
| Average total assets | $208,294,330 | 2,912 |
| Average earning assets | $200,063,000 | 2,817 |
| Average equity | $23,794,330 | 2,832 |
| Average total loans | $157,682,330 | 2,510 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,359 |
| Cost of funding earning assets | 0.5205% | 2,108 |
| Net interest margin | 4.0167% | 1,502 |
| Noninterest income to average assets | 0.6670% | 2,326 |
| Noninterest expense to average assets | 2.3032% | 4,873 |
| Loan and lease loss provision to assets | 0.1471% | 1,379 |
| Net operating income to assets | 2.0756% | 294 |
| Return on assets (ROA) | 2.1776% | 258 |
| Pretax return on assets | 2.1796% | 400 |
| Return on Equity (ROE) | 18.6461% | 339 |
| Retained earnings to average equity (ytd only) | 0.7391% | 5,155 |
| Net charge-offs to loans | 0.0102% | 2,989 |
| Credit loss provision to net charge-offs | 1,875.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 283.5000% | 202 |
| Efficiency ratio | 50.8666% | 5,863 |
| Assets per employee ($millions) | 4.5017% | 3,055 |
| Cash dividends to net income (ytd only)* | 96.0360% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9171% | 1,246 |
| Loan loss allowance to noncurrent loans | 323.8147% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 4,241 |
| Noncurrent loans to loans | 0.5920% | 3,803 |
| Net loans and leases to total assets | 74.2457% | 1,461 |
| Net loans and leases to deposits | 87.6334% | 1,657 |
| Net loans and leases to core deposits | 104.2728% | 1,047 |
| Total domestic deposits to total assets | 84.7230% | 3,534 |
| Equity capital to assets | 11.5286% | 2,442 |
| Core capital (leverage) ratio | 11.5565% | 1,957 |
| Tier 1 risk-based capital ratio | 15.7965% | 3,019 |
| Total risk-based capital ratio | 17.0562% | 2,949 |
| Memoranda: | ||
| Average total assets | $203,893,500 | 2,967 |
| Average earning assets | $195,980,000 | 2,882 |
| Average equity | $23,812,000 | 2,852 |
| Average total loans | $156,392,500 | 2,532 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 1,427 |
| Cost of funding earning assets | 0.6355% | 1,511 |
| Net interest margin | 4.0125% | 1,865 |
| Noninterest income to average assets | 0.6692% | 2,453 |
| Noninterest expense to average assets | 2.3687% | 4,925 |
| Loan and lease loss provision to assets | 0.1566% | 1,676 |
| Net operating income to assets | 1.9789% | 340 |
| Return on assets (ROA) | 1.9799% | 350 |
| Pretax return on assets | 1.9814% | 529 |
| Return on Equity (ROE) | 16.8971% | 501 |
| Retained earnings to average equity (ytd only) | 2.8388% | 4,217 |
| Net charge-offs to loans | 0.1215% | 2,814 |
| Credit loss provision to net charge-offs | 169.3548% | 1,442 |
| Earnings coverage of net charge-offs (x) | 23.1075% | 1,604 |
| Efficiency ratio | 52.5712% | 5,943 |
| Assets per employee ($millions) | 4.3633% | 3,250 |
| Cash dividends to net income (ytd only)* | 83.1994% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 1,359 |
| Loan loss allowance to noncurrent loans | 396.4865% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,591 |
| Noncurrent loans to loans | 0.4743% | 4,237 |
| Net loans and leases to total assets | 76.2793% | 1,221 |
| Net loans and leases to deposits | 89.4193% | 1,571 |
| Net loans and leases to core deposits | 106.9178% | 959 |
| Total domestic deposits to total assets | 85.3052% | 3,163 |
| Equity capital to assets | 11.8334% | 2,145 |
| Core capital (leverage) ratio | 11.4731% | 1,986 |
| Tier 1 risk-based capital ratio | 14.6921% | 3,662 |
| Total risk-based capital ratio | 15.9493% | 3,585 |
| Memoranda: | ||
| Average total assets | $201,122,400 | 2,976 |
| Average earning assets | $192,300,200 | 2,884 |
| Average equity | $23,566,200 | 2,789 |
| Average total loans | $153,030,400 | 2,529 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 1,485 |
| Cost of funding earning assets | 0.6394% | 1,531 |
| Net interest margin | 3.9919% | 1,905 |
| Noninterest income to average assets | 0.6493% | 2,576 |
| Noninterest expense to average assets | 2.2528% | 5,220 |
| Loan and lease loss provision to assets | 0.1491% | 1,678 |
| Net operating income to assets | 2.0593% | 310 |
| Return on assets (ROA) | 2.0607% | 321 |
| Pretax return on assets | 2.0626% | 489 |
| Return on Equity (ROE) | 17.6299% | 477 |
| Retained earnings to average equity (ytd only) | 7.3071% | 1,668 |
| Net charge-offs to loans | 0.0858% | 2,982 |
| Credit loss provision to net charge-offs | 229.5918% | 1,138 |
| Earnings coverage of net charge-offs (x) | 34.0417% | 1,260 |
| Efficiency ratio | 50.4751% | 6,077 |
| Assets per employee ($millions) | 4.2825% | 3,326 |
| Cash dividends to net income (ytd only)* | 58.5531% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9407% | 1,373 |
| Loan loss allowance to noncurrent loans | 242.9163% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 4,050 |
| Noncurrent loans to loans | 0.7989% | 3,587 |
| Net loans and leases to total assets | 73.6023% | 1,583 |
| Net loans and leases to deposits | 90.3070% | 1,395 |
| Net loans and leases to core deposits | 109.2466% | 780 |
| Total domestic deposits to total assets | 81.5023% | 4,659 |
| Equity capital to assets | 12.0127% | 2,045 |
| Core capital (leverage) ratio | 11.7590% | 1,858 |
| Tier 1 risk-based capital ratio | 15.5868% | 3,269 |
| Total risk-based capital ratio | 16.8448% | 3,207 |
| Memoranda: | ||
| Average total assets | $201,225,250 | 2,999 |
| Average earning assets | $192,251,250 | 2,910 |
| Average equity | $23,520,000 | 2,805 |
| Average total loans | $152,279,250 | 2,540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 1,393 |
| Cost of funding earning assets | 0.6285% | 1,655 |
| Net interest margin | 4.0239% | 1,750 |
| Noninterest income to average assets | 0.6133% | 2,746 |
| Noninterest expense to average assets | 2.2325% | 5,337 |
| Loan and lease loss provision to assets | 0.1491% | 1,655 |
| Net operating income to assets | 2.0725% | 287 |
| Return on assets (ROA) | 2.0745% | 302 |
| Pretax return on assets | 2.0775% | 460 |
| Return on Equity (ROE) | 17.9139% | 466 |
| Retained earnings to average equity (ytd only) | 6.3433% | 2,126 |
| Net charge-offs to loans | 0.0956% | 2,716 |
| Credit loss provision to net charge-offs | 205.4795% | 1,144 |
| Earnings coverage of net charge-offs (x) | 30.6575% | 1,241 |
| Efficiency ratio | 50.0892% | 6,169 |
| Assets per employee ($millions) | 4.1547% | 3,544 |
| Cash dividends to net income (ytd only)* | 64.5903% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 1,515 |
| Loan loss allowance to noncurrent loans | 211.9118% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 3,945 |
| Noncurrent loans to loans | 0.9101% | 3,441 |
| Net loans and leases to total assets | 73.4840% | 1,505 |
| Net loans and leases to deposits | 89.9807% | 1,375 |
| Net loans and leases to core deposits | 109.0509% | 727 |
| Total domestic deposits to total assets | 81.6665% | 4,762 |
| Equity capital to assets | 11.8750% | 2,082 |
| Core capital (leverage) ratio | 11.5978% | 1,922 |
| Tier 1 risk-based capital ratio | 15.4442% | 3,385 |
| Total risk-based capital ratio | 16.7023% | 3,320 |
| Memoranda: | ||
| Average total assets | $201,207,330 | 3,022 |
| Average earning assets | $192,203,330 | 2,920 |
| Average equity | $23,300,330 | 2,820 |
| Average total loans | $152,679,670 | 2,533 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,594 |
| Cost of funding earning assets | 0.6338% | 1,701 |
| Net interest margin | 3.9333% | 1,972 |
| Noninterest income to average assets | 0.6215% | 2,613 |
| Noninterest expense to average assets | 2.0940% | 5,695 |
| Loan and lease loss provision to assets | 0.1484% | 1,639 |
| Net operating income to assets | 2.1316% | 270 |
| Return on assets (ROA) | 2.1316% | 285 |
| Pretax return on assets | 2.1376% | 399 |
| Return on Equity (ROE) | 18.6417% | 387 |
| Retained earnings to average equity (ytd only) | 12.4278% | 552 |
| Net charge-offs to loans | 0.0130% | 3,346 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 216 |
| Efficiency ratio | 47.8084% | 6,363 |
| Assets per employee ($millions) | 4.4008% | 3,150 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8694% | 1,843 |
| Loan loss allowance to noncurrent loans | 166.2811% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 3,562 |
| Noncurrent loans to loans | 1.1242% | 3,177 |
| Net loans and leases to total assets | 74.5501% | 1,180 |
| Net loans and leases to deposits | 90.8405% | 1,056 |
| Net loans and leases to core deposits | 109.0244% | 627 |
| Total domestic deposits to total assets | 82.0670% | 4,922 |
| Equity capital to assets | 11.6224% | 2,155 |
| Core capital (leverage) ratio | 11.5620% | 1,924 |
| Tier 1 risk-based capital ratio | 14.9753% | 3,724 |
| Total risk-based capital ratio | 16.2328% | 3,669 |
| Memoranda: | ||
| Average total assets | $202,097,500 | 3,025 |
| Average earning assets | $193,120,500 | 2,932 |
| Average equity | $23,109,500 | 2,834 |
| Average total loans | $154,305,000 | 2,532 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 2,315 |
| Cost of funding earning assets | 0.7229% | 1,659 |
| Net interest margin | 3.7481% | 2,857 |
| Noninterest income to average assets | 0.6966% | 2,561 |
| Noninterest expense to average assets | 2.1887% | 5,658 |
| Loan and lease loss provision to assets | 0.2350% | 1,536 |
| Net operating income to assets | 1.8516% | 439 |
| Return on assets (ROA) | 1.8742% | 428 |
| Pretax return on assets | 1.8784% | 630 |
| Return on Equity (ROE) | 17.3369% | 470 |
| Retained earnings to average equity (ytd only) | 2.7743% | 4,269 |
| Net charge-offs to loans | 0.2112% | 2,774 |
| Credit loss provision to net charge-offs | 148.8095% | 1,561 |
| Earnings coverage of net charge-offs (x) | 13.2381% | 2,048 |
| Efficiency ratio | 51.1424% | 6,357 |
| Assets per employee ($millions) | 4.2033% | 3,437 |
| Cash dividends to net income (ytd only)* | 83.9980% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 2,029 |
| Loan loss allowance to noncurrent loans | 158.7436% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 3,667 |
| Noncurrent loans to loans | 1.1413% | 3,260 |
| Net loans and leases to total assets | 75.3442% | 1,177 |
| Net loans and leases to deposits | 91.3990% | 1,119 |
| Net loans and leases to core deposits | 109.6648% | 619 |
| Total domestic deposits to total assets | 82.4344% | 4,729 |
| Equity capital to assets | 11.2466% | 2,388 |
| Core capital (leverage) ratio | 10.9270% | 2,454 |
| Tier 1 risk-based capital ratio | 14.4354% | 3,994 |
| Total risk-based capital ratio | 15.6918% | 3,933 |
| Memoranda: | ||
| Average total assets | $212,733,400 | 2,885 |
| Average earning assets | $203,357,800 | 2,794 |
| Average equity | $22,997,200 | 2,822 |
| Average total loans | $159,091,200 | 2,437 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 2,437 |
| Cost of funding earning assets | 0.7286% | 1,746 |
| Net interest margin | 3.7187% | 2,961 |
| Noninterest income to average assets | 0.6875% | 2,681 |
| Noninterest expense to average assets | 2.0877% | 5,856 |
| Loan and lease loss provision to assets | 0.1392% | 2,555 |
| Net operating income to assets | 2.0110% | 359 |
| Return on assets (ROA) | 2.0407% | 347 |
| Pretax return on assets | 2.0463% | 523 |
| Return on Equity (ROE) | 19.0572% | 369 |
| Retained earnings to average equity (ytd only) | 7.9742% | 1,416 |
| Net charge-offs to loans | 0.0391% | 4,361 |
| Credit loss provision to net charge-offs | 478.7234% | 562 |
| Earnings coverage of net charge-offs (x) | 74.1219% | 639 |
| Efficiency ratio | 49.1980% | 6,447 |
| Assets per employee ($millions) | 4.2911% | 3,242 |
| Cash dividends to net income (ytd only)* | 58.1565% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,180 |
| Loan loss allowance to noncurrent loans | 163.4203% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 4,059 |
| Noncurrent loans to loans | 1.1247% | 3,557 |
| Net loans and leases to total assets | 71.6005% | 1,663 |
| Net loans and leases to deposits | 87.6595% | 1,405 |
| Net loans and leases to core deposits | 105.3674% | 796 |
| Total domestic deposits to total assets | 81.6802% | 5,035 |
| Equity capital to assets | 11.1669% | 2,602 |
| Core capital (leverage) ratio | 10.9933% | 2,483 |
| Tier 1 risk-based capital ratio | 15.1834% | 3,643 |
| Total risk-based capital ratio | 16.4408% | 3,591 |
| Memoranda: | ||
| Average total assets | $215,477,250 | 2,881 |
| Average earning assets | $206,052,250 | 2,791 |
| Average equity | $23,073,750 | 2,843 |
| Average total loans | $160,159,500 | 2,437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 2,525 |
| Cost of funding earning assets | 0.7266% | 1,872 |
| Net interest margin | 3.6830% | 3,024 |
| Noninterest income to average assets | 0.6712% | 2,784 |
| Noninterest expense to average assets | 2.1196% | 5,832 |
| Loan and lease loss provision to assets | 0.1381% | 2,603 |
| Net operating income to assets | 1.9244% | 403 |
| Return on assets (ROA) | 1.9686% | 399 |
| Pretax return on assets | 1.9768% | 630 |
| Return on Equity (ROE) | 18.6413% | 415 |
| Retained earnings to average equity (ytd only) | 6.9055% | 1,928 |
| Net charge-offs to loans | 0.0554% | 3,906 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 49.9778% | 801 |
| Efficiency ratio | 50.5823% | 6,383 |
| Assets per employee ($millions) | 4.3726% | 3,048 |
| Cash dividends to net income (ytd only)* | 62.9560% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 2,777 |
| Loan loss allowance to noncurrent loans | 96.8607% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 3,130 |
| Noncurrent loans to loans | 1.7567% | 2,690 |
| Net loans and leases to total assets | 74.0394% | 1,243 |
| Net loans and leases to deposits | 90.3821% | 1,106 |
| Net loans and leases to core deposits | 108.4016% | 634 |
| Total domestic deposits to total assets | 81.9181% | 5,083 |
| Equity capital to assets | 10.6572% | 3,109 |
| Core capital (leverage) ratio | 10.6612% | 2,707 |
| Tier 1 risk-based capital ratio | 14.0962% | 4,358 |
| Total risk-based capital ratio | 15.3519% | 4,314 |
| Memoranda: | ||
| Average total assets | $217,215,000 | 2,879 |
| Average earning assets | $207,547,330 | 2,779 |
| Average equity | $22,938,330 | 2,871 |
| Average total loans | $162,423,000 | 2,406 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 2,443 |
| Cost of funding earning assets | 0.7389% | 1,931 |
| Net interest margin | 3.6848% | 2,917 |
| Noninterest income to average assets | 0.6694% | 2,763 |
| Noninterest expense to average assets | 2.1747% | 5,755 |
| Loan and lease loss provision to assets | 0.1372% | 2,527 |
| Net operating income to assets | 1.8547% | 434 |
| Return on assets (ROA) | 1.8547% | 476 |
| Pretax return on assets | 1.8693% | 776 |
| Return on Equity (ROE) | 17.6421% | 460 |
| Retained earnings to average equity (ytd only) | 11.4134% | 798 |
| Net charge-offs to loans | 0.1080% | 2,792 |
| Credit loss provision to net charge-offs | 170.4545% | 1,234 |
| Earnings coverage of net charge-offs (x) | 24.9318% | 1,062 |
| Efficiency ratio | 52.0122% | 6,382 |
| Assets per employee ($millions) | 4.5496% | 2,887 |
| Cash dividends to net income (ytd only)* | 35.3057% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,199 |
| Loan loss allowance to noncurrent loans | 158.4816% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 4,364 |
| Noncurrent loans to loans | 1.0408% | 4,059 |
| Net loans and leases to total assets | 72.9519% | 1,211 |
| Net loans and leases to deposits | 86.4197% | 1,302 |
| Net loans and leases to core deposits | 97.2132% | 1,133 |
| Total domestic deposits to total assets | 84.4158% | 4,308 |
| Equity capital to assets | 10.6671% | 3,354 |
| Core capital (leverage) ratio | 10.7000% | 2,550 |
| Tier 1 risk-based capital ratio | 13.8757% | 4,590 |
| Total risk-based capital ratio | 15.1302% | 4,553 |
| Memoranda: | ||
| Average total assets | $218,693,000 | 2,884 |
| Average earning assets | $208,426,000 | 2,796 |
| Average equity | $22,990,500 | 2,923 |
| Average total loans | $162,943,500 | 2,407 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 3,149 |
| Cost of funding earning assets | 0.9311% | 1,754 |
| Net interest margin | 3.6338% | 3,946 |
| Noninterest income to average assets | 0.7373% | 2,554 |
| Noninterest expense to average assets | 2.1452% | 6,035 |
| Loan and lease loss provision to assets | 0.2931% | 2,331 |
| Net operating income to assets | 1.7637% | 545 |
| Return on assets (ROA) | 1.7709% | 602 |
| Pretax return on assets | 1.7768% | 964 |
| Return on Equity (ROE) | 17.4190% | 503 |
| Retained earnings to average equity (ytd only) | 3.2114% | 3,963 |
| Net charge-offs to loans | 0.3303% | 2,989 |
| Credit loss provision to net charge-offs | 124.5211% | 2,279 |
| Earnings coverage of net charge-offs (x) | 8.7625% | 2,359 |
| Efficiency ratio | 50.9806% | 6,524 |
| Assets per employee ($millions) | 4.5626% | 2,858 |
| Cash dividends to net income (ytd only)* | 81.5635% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 3,259 |
| Loan loss allowance to noncurrent loans | 150.2275% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 4,463 |
| Noncurrent loans to loans | 1.0726% | 4,058 |
| Net loans and leases to total assets | 73.6335% | 1,243 |
| Net loans and leases to deposits | 86.8976% | 1,396 |
| Net loans and leases to core deposits | 97.2571% | 1,201 |
| Total domestic deposits to total assets | 84.7360% | 3,974 |
| Equity capital to assets | 10.3587% | 3,683 |
| Core capital (leverage) ratio | 10.1058% | 3,267 |
| Tier 1 risk-based capital ratio | 13.2745% | 4,918 |
| Total risk-based capital ratio | 14.5286% | 4,860 |
| Memoranda: | ||
| Average total assets | $221,751,600 | 2,824 |
| Average earning assets | $211,787,600 | 2,712 |
| Average equity | $22,544,400 | 2,908 |
| Average total loans | $158,017,000 | 2,459 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 3,352 |
| Cost of funding earning assets | 0.9559% | 1,820 |
| Net interest margin | 3.6102% | 4,195 |
| Noninterest income to average assets | 0.6647% | 2,905 |
| Noninterest expense to average assets | 2.0811% | 6,205 |
| Loan and lease loss provision to assets | 0.1349% | 3,858 |
| Net operating income to assets | 1.8959% | 457 |
| Return on assets (ROA) | 1.9055% | 520 |
| Pretax return on assets | 1.9127% | 846 |
| Return on Equity (ROE) | 18.8305% | 411 |
| Retained earnings to average equity (ytd only) | 7.9907% | 1,618 |
| Net charge-offs to loans | 0.1380% | 4,012 |
| Credit loss provision to net charge-offs | 138.8889% | 2,076 |
| Earnings coverage of net charge-offs (x) | 20.9881% | 1,429 |
| Efficiency ratio | 50.5239% | 6,544 |
| Assets per employee ($millions) | 4.2979% | 3,272 |
| Cash dividends to net income (ytd only)* | 57.5653% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,525 |
| Loan loss allowance to noncurrent loans | 128.8000% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0136% | 4,258 |
| Noncurrent loans to loans | 1.2404% | 3,976 |
| Net loans and leases to total assets | 76.9112% | 856 |
| Net loans and leases to deposits | 93.4011% | 836 |
| Net loans and leases to core deposits | 105.3188% | 782 |
| Total domestic deposits to total assets | 82.3450% | 4,901 |
| Equity capital to assets | 11.3476% | 2,893 |
| Core capital (leverage) ratio | 10.0868% | 3,421 |
| Tier 1 risk-based capital ratio | 13.8833% | 4,624 |
| Total risk-based capital ratio | 15.1372% | 4,578 |
| Memoranda: | ||
| Average total assets | $222,438,250 | 2,834 |
| Average earning assets | $212,837,500 | 2,721 |
| Average equity | $22,509,000 | 2,936 |
| Average total loans | $156,545,750 | 2,509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4433% | 4,011 |
| Cost of funding earning assets | 0.9549% | 2,034 |
| Net interest margin | 3.4884% | 4,725 |
| Noninterest income to average assets | 0.6084% | 3,206 |
| Noninterest expense to average assets | 2.1157% | 6,204 |
| Loan and lease loss provision to assets | 0.1317% | 3,880 |
| Net operating income to assets | 1.6917% | 685 |
| Return on assets (ROA) | 1.7057% | 742 |
| Pretax return on assets | 1.7136% | 1,222 |
| Return on Equity (ROE) | 17.4977% | 574 |
| Retained earnings to average equity (ytd only) | 4.8810% | 3,342 |
| Net charge-offs to loans | 0.2220% | 3,244 |
| Credit loss provision to net charge-offs | 87.2093% | 3,126 |
| Earnings coverage of net charge-offs (x) | 12.1279% | 1,902 |
| Efficiency ratio | 53.6032% | 6,350 |
| Assets per employee ($millions) | 4.9938% | 2,186 |
| Cash dividends to net income (ytd only)* | 72.1050% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,678 |
| Loan loss allowance to noncurrent loans | 153.4812% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 4,970 |
| Noncurrent loans to loans | 1.0285% | 4,456 |
| Net loans and leases to total assets | 66.1741% | 2,638 |
| Net loans and leases to deposits | 78.3005% | 2,630 |
| Net loans and leases to core deposits | 86.5106% | 2,361 |
| Total domestic deposits to total assets | 84.5131% | 4,094 |
| Equity capital to assets | 9.5557% | 4,973 |
| Core capital (leverage) ratio | 9.5440% | 4,086 |
| Tier 1 risk-based capital ratio | 13.5417% | 4,790 |
| Total risk-based capital ratio | 14.7956% | 4,752 |
| Memoranda: | ||
| Average total assets | $227,818,000 | 2,780 |
| Average earning assets | $218,036,330 | 2,668 |
| Average equity | $22,208,670 | 2,962 |
| Average total loans | $154,980,000 | 2,534 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 3,968 |
| Cost of funding earning assets | 0.9857% | 2,065 |
| Net interest margin | 3.5029% | 4,683 |
| Noninterest income to average assets | 0.6008% | 3,231 |
| Noninterest expense to average assets | 1.9967% | 6,467 |
| Loan and lease loss provision to assets | 0.1337% | 3,683 |
| Net operating income to assets | 1.8131% | 586 |
| Return on assets (ROA) | 1.8131% | 658 |
| Pretax return on assets | 1.8220% | 1,029 |
| Return on Equity (ROE) | 18.4081% | 504 |
| Retained earnings to average equity (ytd only) | 11.9462% | 828 |
| Net charge-offs to loans | 0.3855% | 2,149 |
| Credit loss provision to net charge-offs | 50.6757% | 3,271 |
| Earnings coverage of net charge-offs (x) | 7.4122% | 2,079 |
| Efficiency ratio | 50.5187% | 6,639 |
| Assets per employee ($millions) | 4.9892% | 2,269 |
| Cash dividends to net income (ytd only)* | 35.1032% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 3,724 |
| Loan loss allowance to noncurrent loans | 138.9522% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 4,902 |
| Noncurrent loans to loans | 1.1501% | 4,408 |
| Net loans and leases to total assets | 65.4658% | 2,567 |
| Net loans and leases to deposits | 77.7321% | 2,561 |
| Net loans and leases to core deposits | 86.2873% | 2,259 |
| Total domestic deposits to total assets | 84.2198% | 4,389 |
| Equity capital to assets | 9.7672% | 4,425 |
| Core capital (leverage) ratio | 9.6007% | 3,921 |
| Tier 1 risk-based capital ratio | 14.7825% | 3,905 |
| Total risk-based capital ratio | 16.0374% | 3,860 |
| Memoranda: | ||
| Average total assets | $224,373,000 | 2,838 |
| Average earning assets | $214,676,500 | 2,712 |
| Average equity | $22,099,000 | 2,971 |
| Average total loans | $153,566,500 | 2,577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 3,718 |
| Cost of funding earning assets | 1.2125% | 1,948 |
| Net interest margin | 3.6067% | 4,706 |
| Noninterest income to average assets | 0.7999% | 2,063 |
| Noninterest expense to average assets | 2.1500% | 6,383 |
| Loan and lease loss provision to assets | 0.2918% | 3,329 |
| Net operating income to assets | 1.7952% | 460 |
| Return on assets (ROA) | 1.7952% | 501 |
| Pretax return on assets | 1.8105% | 791 |
| Return on Equity (ROE) | 17.9000% | 391 |
| Retained earnings to average equity (ytd only) | 2.7155% | 4,306 |
| Net charge-offs to loans | 0.3230% | 3,776 |
| Credit loss provision to net charge-offs | 126.2525% | 2,467 |
| Earnings coverage of net charge-offs (x) | 9.0962% | 2,037 |
| Efficiency ratio | 50.5609% | 6,799 |
| Assets per employee ($millions) | 4.7662% | 2,493 |
| Cash dividends to net income (ytd only)* | 84.8297% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 3,480 |
| Loan loss allowance to noncurrent loans | 79.0003% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 3,747 |
| Noncurrent loans to loans | 2.0596% | 3,125 |
| Net loans and leases to total assets | 69.2994% | 2,159 |
| Net loans and leases to deposits | 82.7041% | 2,106 |
| Net loans and leases to core deposits | 90.9338% | 1,996 |
| Total domestic deposits to total assets | 83.7920% | 4,415 |
| Equity capital to assets | 9.9351% | 4,245 |
| Core capital (leverage) ratio | 9.6713% | 3,775 |
| Tier 1 risk-based capital ratio | 14.5629% | 3,925 |
| Total risk-based capital ratio | 15.8185% | 3,898 |
| Memoranda: | ||
| Average total assets | $215,911,800 | 2,885 |
| Average earning assets | $206,673,200 | 2,770 |
| Average equity | $21,653,600 | 2,929 |
| Average total loans | $154,491,200 | 2,572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8624% | 3,717 |
| Cost of funding earning assets | 1.2617% | 1,923 |
| Net interest margin | 3.6007% | 4,764 |
| Noninterest income to average assets | 0.8319% | 1,918 |
| Noninterest expense to average assets | 2.1548% | 6,383 |
| Loan and lease loss provision to assets | 0.1395% | 4,696 |
| Net operating income to assets | 1.9688% | 367 |
| Return on assets (ROA) | 1.9688% | 398 |
| Pretax return on assets | 1.9856% | 645 |
| Return on Equity (ROE) | 19.5850% | 339 |
| Retained earnings to average equity (ytd only) | 7.4245% | 1,756 |
| Net charge-offs to loans | 0.2451% | 3,894 |
| Credit loss provision to net charge-offs | 79.2254% | 4,159 |
| Earnings coverage of net charge-offs (x) | 12.0703% | 1,743 |
| Efficiency ratio | 50.3476% | 6,809 |
| Assets per employee ($millions) | 4.5070% | 2,903 |
| Cash dividends to net income (ytd only)* | 62.0907% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 4,115 |
| Loan loss allowance to noncurrent loans | 63.3834% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.7434% | 3,483 |
| Noncurrent loans to loans | 2.3615% | 2,938 |
| Net loans and leases to total assets | 72.1705% | 1,674 |
| Net loans and leases to deposits | 88.2260% | 1,413 |
| Net loans and leases to core deposits | 97.5765% | 1,460 |
| Total domestic deposits to total assets | 81.8018% | 5,158 |
| Equity capital to assets | 10.6496% | 3,514 |
| Core capital (leverage) ratio | 10.2718% | 3,110 |
| Tier 1 risk-based capital ratio | 14.8411% | 3,759 |
| Total risk-based capital ratio | 16.0955% | 3,729 |
| Memoranda: | ||
| Average total assets | $215,079,000 | 2,900 |
| Average earning assets | $205,954,750 | 2,789 |
| Average equity | $21,621,500 | 2,925 |
| Average total loans | $154,502,250 | 2,597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 3,973 |
| Cost of funding earning assets | 1.3193% | 1,828 |
| Net interest margin | 3.5069% | 5,127 |
| Noninterest income to average assets | 0.8309% | 1,887 |
| Noninterest expense to average assets | 2.1502% | 6,500 |
| Loan and lease loss provision to assets | 0.1388% | 4,569 |
| Net operating income to assets | 1.8875% | 419 |
| Return on assets (ROA) | 1.8875% | 450 |
| Pretax return on assets | 1.9013% | 709 |
| Return on Equity (ROE) | 19.1468% | 373 |
| Retained earnings to average equity (ytd only) | 3.8575% | 3,748 |
| Net charge-offs to loans | 0.3461% | 3,166 |
| Credit loss provision to net charge-offs | 56.1798% | 4,438 |
| Earnings coverage of net charge-offs (x) | 8.2584% | 2,089 |
| Efficiency ratio | 51.3138% | 6,850 |
| Assets per employee ($millions) | 4.3987% | 2,993 |
| Cash dividends to net income (ytd only)* | 79.8529% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 4,298 |
| Loan loss allowance to noncurrent loans | 69.3934% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.6270% | 3,749 |
| Noncurrent loans to loans | 2.1019% | 3,350 |
| Net loans and leases to total assets | 75.6273% | 1,136 |
| Net loans and leases to deposits | 95.7274% | 748 |
| Net loans and leases to core deposits | 106.6651% | 891 |
| Total domestic deposits to total assets | 79.0028% | 6,088 |
| Equity capital to assets | 10.6716% | 3,314 |
| Core capital (leverage) ratio | 9.7013% | 3,657 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,729 |
| Total risk-based capital ratio | 15.8530% | 3,697 |
| Memoranda: | ||
| Average total assets | $216,162,330 | 2,900 |
| Average earning assets | $207,076,330 | 2,791 |
| Average equity | $21,309,000 | 2,959 |
| Average total loans | $154,269,330 | 2,620 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 5,197 |
| Cost of funding earning assets | 1.3236% | 2,050 |
| Net interest margin | 3.2182% | 6,017 |
| Noninterest income to average assets | 0.5810% | 3,305 |
| Noninterest expense to average assets | 1.9904% | 6,839 |
| Loan and lease loss provision to assets | 0.1345% | 4,326 |
| Net operating income to assets | 1.5206% | 841 |
| Return on assets (ROA) | 1.5206% | 881 |
| Pretax return on assets | 1.5385% | 1,329 |
| Return on Equity (ROE) | 16.0249% | 673 |
| Retained earnings to average equity (ytd only) | 3.0614% | 4,328 |
| Net charge-offs to loans | -0.0286% | 6,698 |
| Credit loss provision to net charge-offs | -681.8182% | 6,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3319% | 6,665 |
| Assets per employee ($millions) | 5.1850% | 1,914 |
| Cash dividends to net income (ytd only)* | 80.8962% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6018% | 3,718 |
| Loan loss allowance to noncurrent loans | 57.3553% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.8562% | 3,489 |
| Noncurrent loans to loans | 2.7928% | 2,710 |
| Net loans and leases to total assets | 64.9767% | 3,241 |
| Net loans and leases to deposits | 77.2539% | 3,206 |
| Net loans and leases to core deposits | 85.2218% | 3,004 |
| Total domestic deposits to total assets | 84.1080% | 4,448 |
| Equity capital to assets | 9.1272% | 4,994 |
| Core capital (leverage) ratio | 9.2901% | 4,136 |
| Tier 1 risk-based capital ratio | 13.9031% | 4,139 |
| Total risk-based capital ratio | 15.1582% | 4,109 |
| Memoranda: | ||
| Average total assets | $223,073,000 | 2,847 |
| Average earning assets | $213,658,500 | 2,737 |
| Average equity | $21,167,000 | 2,965 |
| Average total loans | $153,759,000 | 2,652 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 3,532 |
| Cost of funding earning assets | 1.5053% | 2,607 |
| Net interest margin | 3.7103% | 4,305 |
| Noninterest income to average assets | 0.7635% | 2,469 |
| Noninterest expense to average assets | 2.0716% | 6,910 |
| Loan and lease loss provision to assets | 0.2700% | 4,645 |
| Net operating income to assets | 1.9487% | 309 |
| Return on assets (ROA) | 1.9487% | 324 |
| Pretax return on assets | 1.9664% | 519 |
| Return on Equity (ROE) | 20.0302% | 253 |
| Retained earnings to average equity (ytd only) | 7.1106% | 1,274 |
| Net charge-offs to loans | 0.3329% | 4,345 |
| Credit loss provision to net charge-offs | 113.0604% | 3,854 |
| Earnings coverage of net charge-offs (x) | 9.3645% | 1,835 |
| Efficiency ratio | 48.0873% | 7,260 |
| Assets per employee ($millions) | 4.6265% | 2,655 |
| Cash dividends to net income (ytd only)* | 64.5007% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 3,763 |
| Loan loss allowance to noncurrent loans | 113.2668% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0013% | 4,998 |
| Noncurrent loans to loans | 1.3705% | 4,429 |
| Net loans and leases to total assets | 70.9803% | 2,309 |
| Net loans and leases to deposits | 85.8277% | 2,136 |
| Net loans and leases to core deposits | 96.1040% | 2,005 |
| Total domestic deposits to total assets | 82.7010% | 4,929 |
| Equity capital to assets | 9.8853% | 3,894 |
| Core capital (leverage) ratio | 9.1971% | 4,171 |
| Tier 1 risk-based capital ratio | 14.4202% | 3,603 |
| Total risk-based capital ratio | 15.6751% | 3,552 |
| Memoranda: | ||
| Average total assets | $214,808,200 | 2,928 |
| Average earning assets | $205,214,000 | 2,805 |
| Average equity | $20,898,400 | 3,020 |
| Average total loans | $154,102,000 | 2,701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 3,756 |
| Cost of funding earning assets | 1.5068% | 2,934 |
| Net interest margin | 3.7091% | 4,361 |
| Noninterest income to average assets | 0.7227% | 2,691 |
| Noninterest expense to average assets | 2.0095% | 7,033 |
| Loan and lease loss provision to assets | 0.1951% | 5,086 |
| Net operating income to assets | 2.0485% | 311 |
| Return on assets (ROA) | 2.0485% | 332 |
| Pretax return on assets | 2.0621% | 545 |
| Return on Equity (ROE) | 21.1401% | 249 |
| Retained earnings to average equity (ytd only) | 12.0143% | 458 |
| Net charge-offs to loans | 0.2472% | 4,457 |
| Credit loss provision to net charge-offs | 110.1399% | 3,845 |
| Earnings coverage of net charge-offs (x) | 12.7449% | 1,654 |
| Efficiency ratio | 47.0972% | 7,327 |
| Assets per employee ($millions) | 4.6473% | 2,685 |
| Cash dividends to net income (ytd only)* | 43.1680% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 4,029 |
| Loan loss allowance to noncurrent loans | 91.0291% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1917% | 4,757 |
| Noncurrent loans to loans | 1.6329% | 4,198 |
| Net loans and leases to total assets | 71.1232% | 2,460 |
| Net loans and leases to deposits | 88.3658% | 1,958 |
| Net loans and leases to core deposits | 98.8873% | 1,949 |
| Total domestic deposits to total assets | 80.4872% | 5,548 |
| Equity capital to assets | 10.0517% | 4,090 |
| Core capital (leverage) ratio | 9.4172% | 4,035 |
| Tier 1 risk-based capital ratio | 14.2358% | 3,676 |
| Total risk-based capital ratio | 15.4900% | 3,633 |
| Memoranda: | ||
| Average total assets | $215,305,000 | 2,975 |
| Average earning assets | $205,724,750 | 2,838 |
| Average equity | $20,863,500 | 3,065 |
| Average total loans | $154,266,750 | 2,743 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 4,053 |
| Cost of funding earning assets | 1.4994% | 3,264 |
| Net interest margin | 3.6795% | 4,454 |
| Noninterest income to average assets | 0.5983% | 3,344 |
| Noninterest expense to average assets | 1.9966% | 7,117 |
| Loan and lease loss provision to assets | 0.1400% | 5,495 |
| Net operating income to assets | 1.9574% | 354 |
| Return on assets (ROA) | 1.9574% | 391 |
| Pretax return on assets | 1.9732% | 636 |
| Return on Equity (ROE) | 20.4589% | 295 |
| Retained earnings to average equity (ytd only) | 7.5026% | 1,637 |
| Net charge-offs to loans | 0.0705% | 5,432 |
| Credit loss provision to net charge-offs | 277.7778% | 1,339 |
| Earnings coverage of net charge-offs (x) | 41.9259% | 698 |
| Efficiency ratio | 48.5805% | 7,310 |
| Assets per employee ($millions) | 5.0198% | 2,161 |
| Cash dividends to net income (ytd only)* | 63.3286% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 3,608 |
| Loan loss allowance to noncurrent loans | 90.2658% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 1.4339% | 4,321 |
| Noncurrent loans to loans | 1.7343% | 4,084 |
| Net loans and leases to total assets | 70.2346% | 2,848 |
| Net loans and leases to deposits | 86.8471% | 2,370 |
| Net loans and leases to core deposits | 99.1705% | 2,105 |
| Total domestic deposits to total assets | 80.8715% | 5,444 |
| Equity capital to assets | 9.6029% | 4,548 |
| Core capital (leverage) ratio | 9.2785% | 4,159 |
| Tier 1 risk-based capital ratio | 13.8076% | 3,868 |
| Total risk-based capital ratio | 15.0627% | 3,829 |
| Memoranda: | ||
| Average total assets | $214,266,330 | 3,004 |
| Average earning assets | $204,484,330 | 2,881 |
| Average equity | $20,499,670 | 3,106 |
| Average total loans | $153,125,000 | 2,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 4,003 |
| Cost of funding earning assets | 1.4880% | 3,632 |
| Net interest margin | 3.7140% | 4,169 |
| Noninterest income to average assets | 0.6277% | 3,102 |
| Noninterest expense to average assets | 2.0499% | 7,061 |
| Loan and lease loss provision to assets | 0.1405% | 5,144 |
| Net operating income to assets | 1.9693% | 363 |
| Return on assets (ROA) | 1.9693% | 397 |
| Pretax return on assets | 1.9824% | 625 |
| Return on Equity (ROE) | 20.6225% | 347 |
| Retained earnings to average equity (ytd only) | 14.7360% | 436 |
| Net charge-offs to loans | 0.0367% | 5,065 |
| Credit loss provision to net charge-offs | 535.7143% | 789 |
| Earnings coverage of net charge-offs (x) | 80.9286% | 384 |
| Efficiency ratio | 49.1244% | 7,370 |
| Assets per employee ($millions) | 4.7792% | 2,533 |
| Cash dividends to net income (ytd only)* | 28.5442% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,563 |
| Loan loss allowance to noncurrent loans | 89.6604% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4479% | 4,337 |
| Noncurrent loans to loans | 1.7549% | 4,119 |
| Net loans and leases to total assets | 69.1112% | 3,135 |
| Net loans and leases to deposits | 85.4204% | 2,699 |
| Net loans and leases to core deposits | 95.2483% | 2,673 |
| Total domestic deposits to total assets | 80.9072% | 5,492 |
| Equity capital to assets | 9.6203% | 4,347 |
| Core capital (leverage) ratio | 9.3250% | 4,005 |
| Tier 1 risk-based capital ratio | 13.9657% | 3,677 |
| Total risk-based capital ratio | 15.2209% | 3,634 |
| Memoranda: | ||
| Average total assets | $213,474,000 | 3,062 |
| Average earning assets | $203,767,000 | 2,943 |
| Average equity | $20,385,500 | 3,153 |
| Average total loans | $152,681,000 | 2,849 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6547% | 3,329 |
| Cost of funding earning assets | 1.4745% | 5,615 |
| Net interest margin | 4.1802% | 2,133 |
| Noninterest income to average assets | 0.7426% | 2,724 |
| Noninterest expense to average assets | 2.2333% | 6,909 |
| Loan and lease loss provision to assets | 0.3918% | 4,444 |
| Net operating income to assets | 2.0721% | 197 |
| Return on assets (ROA) | 2.0721% | 216 |
| Pretax return on assets | 2.0857% | 344 |
| Return on Equity (ROE) | 20.9479% | 203 |
| Retained earnings to average equity (ytd only) | 5.4631% | 1,595 |
| Net charge-offs to loans | 0.4458% | 4,005 |
| Credit loss provision to net charge-offs | 117.4242% | 4,617 |
| Earnings coverage of net charge-offs (x) | 7.4258% | 2,152 |
| Efficiency ratio | 47.4085% | 7,651 |
| Assets per employee ($millions) | 4.6062% | 2,754 |
| Cash dividends to net income (ytd only)* | 73.9205% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 3,730 |
| Loan loss allowance to noncurrent loans | 73.1669% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.7123% | 3,801 |
| Noncurrent loans to loans | 2.0499% | 3,588 |
| Net loans and leases to total assets | 71.7552% | 2,821 |
| Net loans and leases to deposits | 88.6860% | 2,445 |
| Net loans and leases to core deposits | 104.8784% | 3,462 |
| Total domestic deposits to total assets | 80.9093% | 5,370 |
| Equity capital to assets | 9.4774% | 4,442 |
| Core capital (leverage) ratio | 9.1479% | 4,202 |
| Tier 1 risk-based capital ratio | 13.2677% | 3,973 |
| Total risk-based capital ratio | 14.5221% | 3,913 |
| Memoranda: | ||
| Average total assets | $197,821,000 | 3,209 |
| Average earning assets | $187,789,200 | 3,118 |
| Average equity | $19,567,600 | 3,272 |
| Average total loans | $148,046,800 | 2,954 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6914% | 3,384 |
| Cost of funding earning assets | 1.4814% | 5,904 |
| Net interest margin | 4.2100% | 2,017 |
| Noninterest income to average assets | 0.7342% | 2,801 |
| Noninterest expense to average assets | 2.1937% | 6,993 |
| Loan and lease loss provision to assets | 0.3259% | 4,376 |
| Net operating income to assets | 2.1828% | 188 |
| Return on assets (ROA) | 2.1828% | 211 |
| Pretax return on assets | 2.2082% | 341 |
| Return on Equity (ROE) | 21.8179% | 208 |
| Retained earnings to average equity (ytd only) | 9.5680% | 714 |
| Net charge-offs to loans | 0.3714% | 3,794 |
| Credit loss provision to net charge-offs | 116.4216% | 4,364 |
| Earnings coverage of net charge-offs (x) | 9.0514% | 2,156 |
| Efficiency ratio | 46.4006% | 7,755 |
| Assets per employee ($millions) | 4.7155% | 2,532 |
| Cash dividends to net income (ytd only)* | 56.1457% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5129% | 3,365 |
| Loan loss allowance to noncurrent loans | 56.9884% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.0618% | 3,261 |
| Noncurrent loans to loans | 2.6547% | 2,851 |
| Net loans and leases to total assets | 69.5499% | 3,608 |
| Net loans and leases to deposits | 88.7434% | 2,828 |
| Net loans and leases to core deposits | 104.5043% | 3,874 |
| Total domestic deposits to total assets | 78.3719% | 5,987 |
| Equity capital to assets | 9.5586% | 4,666 |
| Core capital (leverage) ratio | 9.3124% | 4,173 |
| Tier 1 risk-based capital ratio | 13.7060% | 3,708 |
| Total risk-based capital ratio | 14.9605% | 3,658 |
| Memoranda: | ||
| Average total assets | $194,305,500 | 3,262 |
| Average earning assets | $184,319,750 | 3,188 |
| Average equity | $19,439,250 | 3,322 |
| Average total loans | $146,470,500 | 3,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8392% | 2,850 |
| Cost of funding earning assets | 1.4785% | 6,228 |
| Net interest margin | 4.3608% | 1,496 |
| Noninterest income to average assets | 0.8049% | 2,385 |
| Noninterest expense to average assets | 2.1546% | 7,160 |
| Loan and lease loss provision to assets | 0.1593% | 5,472 |
| Net operating income to assets | 2.6282% | 89 |
| Return on assets (ROA) | 2.6282% | 100 |
| Pretax return on assets | 2.6505% | 164 |
| Return on Equity (ROE) | 25.8378% | 123 |
| Retained earnings to average equity (ytd only) | 10.3247% | 663 |
| Net charge-offs to loans | 0.1761% | 4,478 |
| Credit loss provision to net charge-offs | 117.1875% | 3,967 |
| Earnings coverage of net charge-offs (x) | 20.6719% | 1,304 |
| Efficiency ratio | 43.4011% | 7,941 |
| Assets per employee ($millions) | 4.1495% | 3,396 |
| Cash dividends to net income (ytd only)* | 60.0404% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 3,158 |
| Loan loss allowance to noncurrent loans | 88.5965% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 4,266 |
| Noncurrent loans to loans | 1.6994% | 3,959 |
| Net loans and leases to total assets | 77.8441% | 1,785 |
| Net loans and leases to deposits | 100.3500% | 1,252 |
| Net loans and leases to core deposits | 122.3463% | 2,177 |
| Total domestic deposits to total assets | 77.5726% | 6,186 |
| Equity capital to assets | 10.4393% | 3,476 |
| Core capital (leverage) ratio | 9.9661% | 3,330 |
| Tier 1 risk-based capital ratio | 13.9315% | 3,558 |
| Total risk-based capital ratio | 15.1863% | 3,493 |
| Memoranda: | ||
| Average total assets | $188,342,000 | 3,357 |
| Average earning assets | $179,646,670 | 3,263 |
| Average equity | $19,158,000 | 3,370 |
| Average total loans | $145,344,330 | 3,065 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8024% | 3,287 |
| Cost of funding earning assets | 1.4528% | 6,562 |
| Net interest margin | 4.3496% | 1,464 |
| Noninterest income to average assets | 0.8269% | 2,190 |
| Noninterest expense to average assets | 2.1168% | 7,077 |
| Loan and lease loss provision to assets | 0.1586% | 4,902 |
| Net operating income to assets | 2.6878% | 91 |
| Return on assets (ROA) | 2.6878% | 118 |
| Pretax return on assets | 2.6984% | 181 |
| Return on Equity (ROE) | 26.7713% | 150 |
| Retained earnings to average equity (ytd only) | 19.5677% | 177 |
| Net charge-offs to loans | 0.0527% | 4,735 |
| Credit loss provision to net charge-offs | 394.7368% | 1,311 |
| Earnings coverage of net charge-offs (x) | 71.1053% | 565 |
| Efficiency ratio | 42.5595% | 7,983 |
| Assets per employee ($millions) | 4.3262% | 3,017 |
| Cash dividends to net income (ytd only)* | 26.9079% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 2,628 |
| Loan loss allowance to noncurrent loans | 88.8189% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 3,874 |
| Noncurrent loans to loans | 1.7733% | 3,606 |
| Net loans and leases to total assets | 74.0644% | 2,738 |
| Net loans and leases to deposits | 89.4767% | 3,016 |
| Net loans and leases to core deposits | 105.2882% | 3,995 |
| Total domestic deposits to total assets | 82.7751% | 4,258 |
| Equity capital to assets | 10.2090% | 3,762 |
| Core capital (leverage) ratio | 9.8727% | 3,557 |
| Tier 1 risk-based capital ratio | 14.2526% | 3,453 |
| Total risk-based capital ratio | 15.5082% | 3,382 |
| Memoranda: | ||
| Average total assets | $189,149,500 | 3,370 |
| Average earning assets | $180,339,500 | 3,273 |
| Average equity | $18,990,500 | 3,416 |
| Average total loans | $144,227,500 | 3,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 5,836 |
| Cost of funding earning assets | 2.0116% | 6,374 |
| Net interest margin | 3.9317% | 3,440 |
| Noninterest income to average assets | 0.5756% | 4,044 |
| Noninterest expense to average assets | 1.9997% | 7,444 |
| Loan and lease loss provision to assets | 0.4502% | 3,040 |
| Net operating income to assets | 1.8569% | 483 |
| Return on assets (ROA) | 1.8822% | 440 |
| Pretax return on assets | 1.8999% | 765 |
| Return on Equity (ROE) | 22.2602% | 243 |
| Retained earnings to average equity (ytd only) | 6.0275% | 1,520 |
| Net charge-offs to loans | 0.6398% | 1,927 |
| Credit loss provision to net charge-offs | 108.3799% | 4,956 |
| Earnings coverage of net charge-offs (x) | 5.5955% | 3,591 |
| Efficiency ratio | 46.2430% | 7,915 |
| Assets per employee ($millions) | 4.0858% | 3,330 |
| Cash dividends to net income (ytd only)* | 72.9223% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 2,607 |
| Loan loss allowance to noncurrent loans | 141.1161% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 4,652 |
| Noncurrent loans to loans | 1.0736% | 4,419 |
| Net loans and leases to total assets | 76.0938% | 2,597 |
| Net loans and leases to deposits | 94.7207% | 2,657 |
| Net loans and leases to core deposits | 106.8631% | 4,097 |
| Total domestic deposits to total assets | 80.3349% | 4,894 |
| Equity capital to assets | 9.8687% | 4,196 |
| Core capital (leverage) ratio | 8.0157% | 6,464 |
| Tier 1 risk-based capital ratio | 13.1866% | 4,002 |
| Total risk-based capital ratio | 14.4406% | 3,913 |
| Memoranda: | ||
| Average total assets | $215,437,600 | 2,934 |
| Average earning assets | $205,405,800 | 2,832 |
| Average equity | $18,216,400 | 3,519 |
| Average total loans | $139,894,000 | 3,102 |