Home > Jefferson Security Bank > Performance and Condition Ratios
Jefferson Security Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 3,693 |
| Cost of funding earning assets | 1.4630% | 2,038 |
| Net interest margin | 2.7010% | 3,820 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1749% | 3,194 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6358% | 3,348 |
| Return on assets (ROA) | 0.6360% | 3,327 |
| Pretax return on assets | 0.7680% | 3,291 |
| Return on Equity (ROE) | 13.1000% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.0596% | 1,007 |
| Net charge-offs to loans | 0.0006% | 2,876 |
| Credit loss provision to net charge-offs | 13,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 2,010.5000% | 74 |
| Efficiency ratio | 72.4287% | 1,621 |
| Assets per employee ($millions) | 7.2553% | 1,896 |
| Cash dividends to net income (ytd only)* | 23.2114% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 2,936 |
| Loan loss allowance to noncurrent loans | 7,450.9804% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,711 |
| Noncurrent loans to loans | 0.0145% | 3,645 |
| Net loans and leases to total assets | 69.5000% | 1,867 |
| Net loans and leases to deposits | 81.6583% | 1,974 |
| Net loans and leases to core deposits | 83.9436% | 2,452 |
| Total domestic deposits to total assets | 85.1100% | 2,279 |
| Equity capital to assets | 4.9795% | 4,416 |
| Core capital (leverage) ratio | 7.6531% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6457% | 2,007 |
| Memoranda: | ||
| Average total assets | $485,685,000 | 1,760 |
| Average earning assets | $455,974,600 | 1,742 |
| Average equity | $23,579,400 | 2,592 |
| Average total loans | $329,962,400 | 1,690 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,717 |
| Cost of funding earning assets | 1.3533% | 1,996 |
| Net interest margin | 2.7119% | 3,868 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.1935% | 3,095 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6452% | 3,439 |
| Return on assets (ROA) | 0.6454% | 3,433 |
| Pretax return on assets | 0.7835% | 3,371 |
| Return on Equity (ROE) | 13.3800% | 1,830 |
| Retained earnings to average equity (ytd only) | 9.2702% | 1,613 |
| Net charge-offs to loans | 0.0008% | 2,614 |
| Credit loss provision to net charge-offs | 10,650.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 1,476.5000% | 102 |
| Efficiency ratio | 72.8634% | 1,465 |
| Assets per employee ($millions) | 7.1207% | 1,865 |
| Cash dividends to net income (ytd only)* | 30.7330% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 2,935 |
| Loan loss allowance to noncurrent loans | 6,950.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,749 |
| Noncurrent loans to loans | 0.0156% | 3,680 |
| Net loans and leases to total assets | 68.6100% | 1,985 |
| Net loans and leases to deposits | 77.5199% | 2,285 |
| Net loans and leases to core deposits | 79.0109% | 2,672 |
| Total domestic deposits to total assets | 88.5000% | 1,411 |
| Equity capital to assets | 4.5945% | 4,321 |
| Core capital (leverage) ratio | 8.0127% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0935% | 1,861 |
| Memoranda: | ||
| Average total assets | $481,953,000 | 1,772 |
| Average earning assets | $452,022,000 | 1,754 |
| Average equity | $23,242,250 | 2,607 |
| Average total loans | $324,525,250 | 1,702 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 3,673 |
| Cost of funding earning assets | 1.2411% | 1,877 |
| Net interest margin | 2.7659% | 3,876 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.1752% | 3,153 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7091% | 3,328 |
| Return on assets (ROA) | 0.7094% | 3,328 |
| Pretax return on assets | 0.8647% | 3,251 |
| Return on Equity (ROE) | 14.4700% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.7572% | 1,037 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.1032% | 1,654 |
| Assets per employee ($millions) | 6.6934% | 2,139 |
| Cash dividends to net income (ytd only)* | 18.7574% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 2,806 |
| Loan loss allowance to noncurrent loans | 1,991.8919% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 3,392 |
| Noncurrent loans to loans | 0.0566% | 3,291 |
| Net loans and leases to total assets | 68.0000% | 1,957 |
| Net loans and leases to deposits | 77.9087% | 2,141 |
| Net loans and leases to core deposits | 79.1338% | 2,532 |
| Total domestic deposits to total assets | 87.2800% | 1,836 |
| Equity capital to assets | 5.0030% | 4,380 |
| Core capital (leverage) ratio | 8.0703% | 4,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6552% | 1,671 |
| Memoranda: | ||
| Average total assets | $476,454,667 | 1,782 |
| Average earning assets | $446,068,333 | 1,767 |
| Average equity | $23,356,000 | 2,603 |
| Average total loans | $317,460,000 | 1,716 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 3,710 |
| Cost of funding earning assets | 1.0805% | 1,807 |
| Net interest margin | 2.8006% | 3,942 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.1590% | 3,229 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7413% | 3,368 |
| Return on assets (ROA) | 0.7420% | 3,322 |
| Pretax return on assets | 0.9055% | 3,221 |
| Return on Equity (ROE) | 15.2900% | 1,497 |
| Retained earnings to average equity (ytd only) | 9.8160% | 1,739 |
| Net charge-offs to loans | 0.0013% | 2,004 |
| Credit loss provision to net charge-offs | 6,800.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 1,097.0000% | 93 |
| Efficiency ratio | 70.1253% | 1,736 |
| Assets per employee ($millions) | 6.8458% | 2,076 |
| Cash dividends to net income (ytd only)* | 35.8192% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,877 |
| Loan loss allowance to noncurrent loans | 6,015.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 3,739 |
| Noncurrent loans to loans | 0.0189% | 3,648 |
| Net loans and leases to total assets | 63.7500% | 2,273 |
| Net loans and leases to deposits | 75.4149% | 2,168 |
| Net loans and leases to core deposits | 76.2636% | 2,505 |
| Total domestic deposits to total assets | 84.5400% | 2,965 |
| Equity capital to assets | 4.8247% | 4,444 |
| Core capital (leverage) ratio | 8.0811% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7782% | 1,690 |
| Memoranda: | ||
| Average total assets | $477,066,000 | 1,798 |
| Average earning assets | $446,479,500 | 1,783 |
| Average equity | $23,146,000 | 2,641 |
| Average total loans | $312,774,500 | 1,749 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 2,706 |
| Cost of funding earning assets | 0.5391% | 1,164 |
| Net interest margin | 3.0909% | 3,199 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.1996% | 3,028 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.8664% | 3,093 |
| Return on assets (ROA) | 0.8664% | 3,024 |
| Pretax return on assets | 1.0541% | 2,905 |
| Return on Equity (ROE) | 16.1700% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.6291% | 435 |
| Net charge-offs to loans | -0.0011% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.7906% | 2,390 |
| Assets per employee ($millions) | 6.6846% | 2,194 |
| Cash dividends to net income (ytd only)* | 15.7132% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 2,760 |
| Loan loss allowance to noncurrent loans | 6,290.9091% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 3,768 |
| Noncurrent loans to loans | 0.0179% | 3,705 |
| Net loans and leases to total assets | 65.9600% | 2,047 |
| Net loans and leases to deposits | 73.3539% | 2,303 |
| Net loans and leases to core deposits | 74.0951% | 2,556 |
| Total domestic deposits to total assets | 89.9200% | 1,399 |
| Equity capital to assets | 4.8806% | 4,388 |
| Core capital (leverage) ratio | 8.0886% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8359% | 1,678 |
| Memoranda: | ||
| Average total assets | $445,893,000 | 1,864 |
| Average earning assets | $419,620,200 | 1,850 |
| Average equity | $23,890,000 | 2,646 |
| Average total loans | $276,766,800 | 1,832 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 2,904 |
| Cost of funding earning assets | 0.4666% | 896 |
| Net interest margin | 2.9382% | 3,386 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.2138% | 2,893 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7607% | 3,386 |
| Return on assets (ROA) | 0.7607% | 3,331 |
| Pretax return on assets | 0.9193% | 3,261 |
| Return on Equity (ROE) | 13.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 10.5356% | 1,185 |
| Net charge-offs to loans | -0.0020% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0070% | 2,026 |
| Assets per employee ($millions) | 6.3147% | 2,476 |
| Cash dividends to net income (ytd only)* | 24.0682% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,211.9850% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,306 |
| Noncurrent loans to loans | 0.0900% | 3,236 |
| Net loans and leases to total assets | 64.5400% | 2,032 |
| Net loans and leases to deposits | 67.9737% | 2,534 |
| Net loans and leases to core deposits | 69.2153% | 2,701 |
| Total domestic deposits to total assets | 94.9500% | 231 |
| Equity capital to assets | 4.3354% | 4,433 |
| Core capital (leverage) ratio | 8.0457% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9616% | 1,722 |
| Memoranda: | ||
| Average total assets | $442,057,750 | 1,887 |
| Average earning assets | $416,339,000 | 1,869 |
| Average equity | $24,234,750 | 2,673 |
| Average total loans | $269,032,250 | 1,856 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 2,764 |
| Cost of funding earning assets | 0.4152% | 834 |
| Net interest margin | 2.8783% | 3,227 |
| Noninterest income to average assets | 0.4814% | 2,303 |
| Noninterest expense to average assets | 2.2007% | 2,854 |
| Loan and lease loss provision to assets | 0.0982% | 1,018 |
| Net operating income to assets | 0.7418% | 3,170 |
| Return on assets (ROA) | 0.7418% | 3,128 |
| Pretax return on assets | 0.8930% | 3,092 |
| Return on Equity (ROE) | 12.6172% | 1,488 |
| Retained earnings to average equity (ytd only) | 10.2631% | 956 |
| Net charge-offs to loans | -0.0038% | 3,266 |
| Credit loss provision to net charge-offs | -4,300.0000% | 3,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9468% | 2,111 |
| Assets per employee ($millions) | 6.3226% | 2,464 |
| Cash dividends to net income (ytd only)* | 18.6576% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1052% | 3,144 |
| Loan loss allowance to noncurrent loans | 880.6358% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,205 |
| Noncurrent loans to loans | 0.1255% | 3,093 |
| Net loans and leases to total assets | 60.7393% | 2,243 |
| Net loans and leases to deposits | 64.0694% | 2,715 |
| Net loans and leases to core deposits | 65.3142% | 2,870 |
| Total domestic deposits to total assets | 94.8024% | 161 |
| Equity capital to assets | 4.4665% | 4,563 |
| Core capital (leverage) ratio | 8.0827% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6289% | 1,528 |
| Memoranda: | ||
| Average total assets | $437,858,000 | 1,911 |
| Average earning assets | $412,330,667 | 1,905 |
| Average equity | $25,742,667 | 2,640 |
| Average total loans | $259,822,333 | 1,899 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2501% | 2,536 |
| Cost of funding earning assets | 0.3881% | 933 |
| Net interest margin | 2.8620% | 2,949 |
| Noninterest income to average assets | 0.4802% | 2,234 |
| Noninterest expense to average assets | 2.2325% | 2,742 |
| Loan and lease loss provision to assets | 0.0694% | 1,181 |
| Net operating income to assets | 0.7318% | 2,919 |
| Return on assets (ROA) | 0.7318% | 2,912 |
| Pretax return on assets | 0.8799% | 2,856 |
| Return on Equity (ROE) | 11.0672% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.8278% | 1,946 |
| Net charge-offs to loans | 0.0064% | 1,526 |
| Credit loss provision to net charge-offs | 1,875.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 256.5000% | 356 |
| Efficiency ratio | 70.1657% | 2,204 |
| Assets per employee ($millions) | 6.3462% | 2,505 |
| Cash dividends to net income (ytd only)* | 38.3059% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,190 |
| Loan loss allowance to noncurrent loans | 334.6420% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,444 |
| Noncurrent loans to loans | 0.3381% | 2,271 |
| Net loans and leases to total assets | 57.8290% | 2,316 |
| Net loans and leases to deposits | 61.7007% | 2,738 |
| Net loans and leases to core deposits | 62.8494% | 2,910 |
| Total domestic deposits to total assets | 93.7251% | 141 |
| Equity capital to assets | 5.5313% | 4,656 |
| Core capital (leverage) ratio | 8.2858% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4896% | 1,386 |
| Memoranda: | ||
| Average total assets | $432,336,000 | 1,938 |
| Average earning assets | $408,112,000 | 1,923 |
| Average equity | $28,589,000 | 2,560 |
| Average total loans | $251,880,000 | 1,927 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 3,254 |
| Cost of funding earning assets | 0.3999% | 1,545 |
| Net interest margin | 2.8857% | 3,481 |
| Noninterest income to average assets | 0.5007% | 2,563 |
| Noninterest expense to average assets | 2.1608% | 3,199 |
| Loan and lease loss provision to assets | 0.0194% | 2,682 |
| Net operating income to assets | 0.8688% | 3,140 |
| Return on assets (ROA) | 0.8688% | 3,201 |
| Pretax return on assets | 1.0627% | 3,097 |
| Return on Equity (ROE) | 11.4514% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.6293% | 1,008 |
| Net charge-offs to loans | 0.0137% | 2,048 |
| Credit loss provision to net charge-offs | 235.2941% | 1,209 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 736 |
| Efficiency ratio | 66.6317% | 2,176 |
| Assets per employee ($millions) | 6.0110% | 2,764 |
| Cash dividends to net income (ytd only)* | 15.9116% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,165 |
| Loan loss allowance to noncurrent loans | 316.9283% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 2,515 |
| Noncurrent loans to loans | 0.3602% | 2,295 |
| Net loans and leases to total assets | 57.3612% | 2,439 |
| Net loans and leases to deposits | 62.6619% | 2,816 |
| Net loans and leases to core deposits | 63.8250% | 2,995 |
| Total domestic deposits to total assets | 91.5409% | 304 |
| Equity capital to assets | 7.7222% | 4,496 |
| Core capital (leverage) ratio | 8.2378% | 4,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2578% | 1,201 |
| Memoranda: | ||
| Average total assets | $411,600,000 | 1,952 |
| Average earning assets | $391,137,400 | 1,933 |
| Average equity | $31,227,600 | 2,456 |
| Average total loans | $247,480,400 | 1,946 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 3,345 |
| Cost of funding earning assets | 0.3924% | 1,759 |
| Net interest margin | 2.9220% | 3,500 |
| Noninterest income to average assets | 0.4917% | 2,659 |
| Noninterest expense to average assets | 2.1686% | 3,174 |
| Loan and lease loss provision to assets | 0.0262% | 2,476 |
| Net operating income to assets | 0.8664% | 3,335 |
| Return on assets (ROA) | 0.8664% | 3,404 |
| Pretax return on assets | 1.0721% | 3,263 |
| Return on Equity (ROE) | 11.4733% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.0098% | 1,688 |
| Net charge-offs to loans | 0.0167% | 1,730 |
| Credit loss provision to net charge-offs | 258.0645% | 1,079 |
| Earnings coverage of net charge-offs (x) | 108.3548% | 830 |
| Efficiency ratio | 66.3831% | 2,047 |
| Assets per employee ($millions) | 6.6328% | 2,147 |
| Cash dividends to net income (ytd only)* | 21.4717% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,221 |
| Loan loss allowance to noncurrent loans | 97.6536% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 1,137 |
| Noncurrent loans to loans | 1.1733% | 948 |
| Net loans and leases to total assets | 55.7737% | 2,754 |
| Net loans and leases to deposits | 61.2943% | 3,115 |
| Net loans and leases to core deposits | 62.3657% | 3,277 |
| Total domestic deposits to total assets | 90.9933% | 372 |
| Equity capital to assets | 7.1098% | 4,790 |
| Core capital (leverage) ratio | 8.3564% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8460% | 1,381 |
| Memoranda: | ||
| Average total assets | $407,804,250 | 1,984 |
| Average earning assets | $387,306,250 | 1,961 |
| Average equity | $30,795,250 | 2,511 |
| Average total loans | $247,441,750 | 1,971 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3974% | 3,188 |
| Cost of funding earning assets | 0.3966% | 1,911 |
| Net interest margin | 3.0009% | 3,321 |
| Noninterest income to average assets | 0.5022% | 2,615 |
| Noninterest expense to average assets | 2.1950% | 3,103 |
| Loan and lease loss provision to assets | 0.0402% | 2,200 |
| Net operating income to assets | 0.8989% | 3,226 |
| Return on assets (ROA) | 0.8989% | 3,306 |
| Pretax return on assets | 1.1166% | 3,159 |
| Return on Equity (ROE) | 11.6536% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.8352% | 1,447 |
| Net charge-offs to loans | 0.0275% | 1,400 |
| Credit loss provision to net charge-offs | 235.2941% | 984 |
| Earnings coverage of net charge-offs (x) | 67.6765% | 915 |
| Efficiency ratio | 65.4867% | 2,229 |
| Assets per employee ($millions) | 6.6817% | 2,034 |
| Cash dividends to net income (ytd only)* | 15.6040% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,327 |
| Loan loss allowance to noncurrent loans | 105.8009% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 1,288 |
| Noncurrent loans to loans | 1.0596% | 1,151 |
| Net loans and leases to total assets | 60.1898% | 2,405 |
| Net loans and leases to deposits | 65.7367% | 2,847 |
| Net loans and leases to core deposits | 66.8766% | 3,043 |
| Total domestic deposits to total assets | 91.5619% | 222 |
| Equity capital to assets | 7.5911% | 4,709 |
| Core capital (leverage) ratio | 8.3446% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6445% | 1,434 |
| Memoranda: | ||
| Average total assets | $397,818,333 | 2,009 |
| Average earning assets | $377,754,667 | 1,983 |
| Average equity | $30,685,667 | 2,500 |
| Average total loans | $247,593,667 | 1,980 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3879% | 3,229 |
| Cost of funding earning assets | 0.4017% | 2,081 |
| Net interest margin | 2.9862% | 3,294 |
| Noninterest income to average assets | 0.4949% | 2,637 |
| Noninterest expense to average assets | 2.2505% | 2,945 |
| Loan and lease loss provision to assets | 0.0821% | 1,578 |
| Net operating income to assets | 0.8029% | 3,415 |
| Return on assets (ROA) | 0.8029% | 3,485 |
| Pretax return on assets | 0.9939% | 3,388 |
| Return on Equity (ROE) | 10.3217% | 2,591 |
| Retained earnings to average equity (ytd only) | 6.6392% | 2,683 |
| Net charge-offs to loans | 0.0603% | 923 |
| Credit loss provision to net charge-offs | 216.2162% | 869 |
| Earnings coverage of net charge-offs (x) | 28.3243% | 1,117 |
| Efficiency ratio | 67.6543% | 1,985 |
| Assets per employee ($millions) | 6.5325% | 2,151 |
| Cash dividends to net income (ytd only)* | 35.6777% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,256 |
| Loan loss allowance to noncurrent loans | 105.4518% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 1,397 |
| Noncurrent loans to loans | 1.0800% | 1,240 |
| Net loans and leases to total assets | 61.5180% | 2,339 |
| Net loans and leases to deposits | 67.3797% | 2,771 |
| Net loans and leases to core deposits | 68.6332% | 3,005 |
| Total domestic deposits to total assets | 91.3005% | 296 |
| Equity capital to assets | 7.4304% | 4,734 |
| Core capital (leverage) ratio | 8.5857% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4513% | 1,440 |
| Memoranda: | ||
| Average total assets | $389,596,000 | 2,031 |
| Average earning assets | $369,429,500 | 2,006 |
| Average equity | $30,305,000 | 2,520 |
| Average total loans | $245,305,000 | 1,991 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7438% | 3,465 |
| Cost of funding earning assets | 0.5385% | 2,694 |
| Net interest margin | 3.2053% | 3,344 |
| Noninterest income to average assets | 0.5216% | 2,539 |
| Noninterest expense to average assets | 2.3535% | 3,262 |
| Loan and lease loss provision to assets | 0.2274% | 1,715 |
| Net operating income to assets | 0.7679% | 3,210 |
| Return on assets (ROA) | 0.8175% | 3,146 |
| Pretax return on assets | 1.0173% | 2,986 |
| Return on Equity (ROE) | 9.7546% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.9536% | 1,065 |
| Net charge-offs to loans | 0.0239% | 2,563 |
| Credit loss provision to net charge-offs | 1,454.5455% | 574 |
| Earnings coverage of net charge-offs (x) | 75.6545% | 929 |
| Efficiency ratio | 66.5541% | 2,440 |
| Assets per employee ($millions) | 6.3452% | 2,050 |
| Cash dividends to net income (ytd only)* | 18.4631% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,227 |
| Loan loss allowance to noncurrent loans | 86.9063% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 1,044 |
| Noncurrent loans to loans | 1.3188% | 1,031 |
| Net loans and leases to total assets | 63.0052% | 2,488 |
| Net loans and leases to deposits | 69.2465% | 2,958 |
| Net loans and leases to core deposits | 70.5201% | 3,225 |
| Total domestic deposits to total assets | 90.9868% | 231 |
| Equity capital to assets | 8.1429% | 4,645 |
| Core capital (leverage) ratio | 8.6001% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7068% | 1,625 |
| Memoranda: | ||
| Average total assets | $351,823,200 | 2,039 |
| Average earning assets | $330,894,200 | 2,018 |
| Average equity | $29,483,600 | 2,504 |
| Average total loans | $230,010,000 | 2,035 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 3,560 |
| Cost of funding earning assets | 0.5678% | 2,823 |
| Net interest margin | 3.2365% | 3,376 |
| Noninterest income to average assets | 0.5285% | 2,482 |
| Noninterest expense to average assets | 2.4859% | 2,890 |
| Loan and lease loss provision to assets | 0.1895% | 2,092 |
| Net operating income to assets | 0.7138% | 3,419 |
| Return on assets (ROA) | 0.7754% | 3,298 |
| Pretax return on assets | 0.9692% | 3,162 |
| Return on Equity (ROE) | 9.1806% | 2,320 |
| Retained earnings to average equity (ytd only) | 6.7480% | 1,793 |
| Net charge-offs to loans | 0.0076% | 2,847 |
| Credit loss provision to net charge-offs | 3,769.2308% | 284 |
| Earnings coverage of net charge-offs (x) | 215.0769% | 472 |
| Efficiency ratio | 69.6779% | 1,931 |
| Assets per employee ($millions) | 6.0705% | 2,211 |
| Cash dividends to net income (ytd only)* | 26.4970% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,418 |
| Loan loss allowance to noncurrent loans | 77.2280% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,341 |
| Noncurrent loans to loans | 1.3709% | 1,065 |
| Net loans and leases to total assets | 62.3979% | 2,957 |
| Net loans and leases to deposits | 70.1861% | 3,300 |
| Net loans and leases to core deposits | 71.4822% | 3,519 |
| Total domestic deposits to total assets | 88.9035% | 814 |
| Equity capital to assets | 8.0644% | 4,689 |
| Core capital (leverage) ratio | 8.9880% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9164% | 1,525 |
| Memoranda: | ||
| Average total assets | $344,601,500 | 2,056 |
| Average earning assets | $323,595,000 | 2,040 |
| Average equity | $29,104,250 | 2,524 |
| Average total loans | $226,850,500 | 2,050 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 3,475 |
| Cost of funding earning assets | 0.6184% | 2,874 |
| Net interest margin | 3.3288% | 3,314 |
| Noninterest income to average assets | 0.5389% | 2,401 |
| Noninterest expense to average assets | 2.5897% | 2,697 |
| Loan and lease loss provision to assets | 0.1946% | 2,090 |
| Net operating income to assets | 0.6957% | 3,399 |
| Return on assets (ROA) | 0.7910% | 3,182 |
| Pretax return on assets | 0.9904% | 3,063 |
| Return on Equity (ROE) | 9.2093% | 2,274 |
| Retained earnings to average equity (ytd only) | 7.3619% | 1,518 |
| Net charge-offs to loans | 0.0107% | 2,568 |
| Credit loss provision to net charge-offs | 2,708.3333% | 384 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 539 |
| Efficiency ratio | 70.8436% | 1,842 |
| Assets per employee ($millions) | 5.3887% | 2,749 |
| Cash dividends to net income (ytd only)* | 20.0606% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,498 |
| Loan loss allowance to noncurrent loans | 62.6066% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0712% | 1,076 |
| Noncurrent loans to loans | 1.6210% | 905 |
| Net loans and leases to total assets | 65.4110% | 2,703 |
| Net loans and leases to deposits | 72.5348% | 3,213 |
| Net loans and leases to core deposits | 74.0325% | 3,457 |
| Total domestic deposits to total assets | 90.1789% | 351 |
| Equity capital to assets | 8.5138% | 4,467 |
| Core capital (leverage) ratio | 9.2073% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8864% | 1,521 |
| Memoranda: | ||
| Average total assets | $334,012,000 | 2,073 |
| Average earning assets | $312,724,000 | 2,058 |
| Average equity | $28,688,333 | 2,536 |
| Average total loans | $223,347,333 | 2,058 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 3,410 |
| Cost of funding earning assets | 0.7120% | 2,881 |
| Net interest margin | 3.4257% | 3,226 |
| Noninterest income to average assets | 0.5892% | 2,086 |
| Noninterest expense to average assets | 2.6782% | 2,760 |
| Loan and lease loss provision to assets | 0.1964% | 1,541 |
| Net operating income to assets | 0.7315% | 3,161 |
| Return on assets (ROA) | 0.7610% | 3,129 |
| Pretax return on assets | 0.9463% | 3,012 |
| Return on Equity (ROE) | 8.8187% | 2,185 |
| Retained earnings to average equity (ytd only) | 5.0494% | 2,255 |
| Net charge-offs to loans | 0.0018% | 2,528 |
| Credit loss provision to net charge-offs | 16,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 901.0000% | 59 |
| Efficiency ratio | 70.7752% | 2,248 |
| Assets per employee ($millions) | 4.5468% | 3,200 |
| Cash dividends to net income (ytd only)* | 42.7419% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,700 |
| Loan loss allowance to noncurrent loans | 45.0904% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 722 |
| Noncurrent loans to loans | 2.2201% | 597 |
| Net loans and leases to total assets | 66.3093% | 2,779 |
| Net loans and leases to deposits | 74.4142% | 3,229 |
| Net loans and leases to core deposits | 75.7500% | 3,511 |
| Total domestic deposits to total assets | 89.1083% | 616 |
| Equity capital to assets | 8.8075% | 4,689 |
| Core capital (leverage) ratio | 9.4826% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4964% | 1,474 |
| Memoranda: | ||
| Average total assets | $325,885,500 | 2,060 |
| Average earning assets | $303,934,500 | 2,053 |
| Average equity | $28,122,000 | 2,568 |
| Average total loans | $219,290,500 | 2,050 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 3,851 |
| Cost of funding earning assets | 0.7767% | 2,786 |
| Net interest margin | 3.4058% | 3,731 |
| Noninterest income to average assets | 0.5886% | 2,275 |
| Noninterest expense to average assets | 2.6240% | 3,110 |
| Loan and lease loss provision to assets | 0.0452% | 3,108 |
| Net operating income to assets | 0.8823% | 3,277 |
| Return on assets (ROA) | 0.8835% | 3,354 |
| Pretax return on assets | 1.1001% | 3,164 |
| Return on Equity (ROE) | 10.8783% | 1,937 |
| Retained earnings to average equity (ytd only) | 8.3278% | 879 |
| Net charge-offs to loans | 0.0453% | 2,476 |
| Credit loss provision to net charge-offs | 150.5263% | 1,694 |
| Earnings coverage of net charge-offs (x) | 38.1263% | 1,358 |
| Efficiency ratio | 69.6447% | 2,233 |
| Assets per employee ($millions) | 4.5056% | 3,209 |
| Cash dividends to net income (ytd only)* | 23.4453% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 3,850 |
| Loan loss allowance to noncurrent loans | 56.4615% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 979 |
| Noncurrent loans to loans | 1.6442% | 844 |
| Net loans and leases to total assets | 66.9768% | 2,832 |
| Net loans and leases to deposits | 76.7823% | 3,110 |
| Net loans and leases to core deposits | 78.2068% | 3,433 |
| Total domestic deposits to total assets | 87.2294% | 1,499 |
| Equity capital to assets | 8.4497% | 4,929 |
| Core capital (leverage) ratio | 9.5050% | 4,057 |
| Tier 1 risk-based capital ratio | 15.2268% | 2,684 |
| Total risk-based capital ratio | 16.2537% | 2,716 |
| Memoranda: | ||
| Average total assets | $316,687,200 | 2,058 |
| Average earning assets | $295,616,400 | 2,055 |
| Average equity | $25,721,000 | 2,660 |
| Average total loans | $209,655,000 | 2,083 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 3,974 |
| Cost of funding earning assets | 0.7863% | 2,781 |
| Net interest margin | 3.3912% | 3,884 |
| Noninterest income to average assets | 0.5867% | 2,277 |
| Noninterest expense to average assets | 2.6559% | 2,995 |
| Loan and lease loss provision to assets | 0.0034% | 3,798 |
| Net operating income to assets | 0.8684% | 3,458 |
| Return on assets (ROA) | 0.8701% | 3,538 |
| Pretax return on assets | 1.0916% | 3,316 |
| Return on Equity (ROE) | 10.8251% | 2,089 |
| Retained earnings to average equity (ytd only) | 7.3678% | 1,685 |
| Net charge-offs to loans | -0.0077% | 4,315 |
| Credit loss provision to net charge-offs | -66.6667% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8475% | 1,992 |
| Assets per employee ($millions) | 4.3303% | 3,440 |
| Cash dividends to net income (ytd only)* | 31.9375% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 3,919 |
| Loan loss allowance to noncurrent loans | 45.3785% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 832 |
| Noncurrent loans to loans | 2.0533% | 650 |
| Net loans and leases to total assets | 66.6267% | 2,971 |
| Net loans and leases to deposits | 74.2213% | 3,458 |
| Net loans and leases to core deposits | 75.2372% | 3,743 |
| Total domestic deposits to total assets | 89.7677% | 347 |
| Equity capital to assets | 8.3880% | 5,038 |
| Core capital (leverage) ratio | 9.4299% | 4,249 |
| Tier 1 risk-based capital ratio | 14.8514% | 2,925 |
| Total risk-based capital ratio | 15.8642% | 2,951 |
| Memoranda: | ||
| Average total assets | $314,758,500 | 2,083 |
| Average earning assets | $293,501,500 | 2,079 |
| Average equity | $25,298,500 | 2,705 |
| Average total loans | $207,241,250 | 2,127 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 4,048 |
| Cost of funding earning assets | 0.7849% | 2,715 |
| Net interest margin | 3.3652% | 3,998 |
| Noninterest income to average assets | 0.5830% | 2,234 |
| Noninterest expense to average assets | 2.6759% | 2,989 |
| Loan and lease loss provision to assets | -0.0153% | 5,129 |
| Net operating income to assets | 0.8511% | 3,465 |
| Return on assets (ROA) | 0.8419% | 3,562 |
| Pretax return on assets | 1.0465% | 3,399 |
| Return on Equity (ROE) | 10.6331% | 2,120 |
| Retained earnings to average equity (ytd only) | 7.2502% | 1,701 |
| Net charge-offs to loans | -0.0313% | 4,698 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9615% | 1,928 |
| Assets per employee ($millions) | 4.1791% | 3,608 |
| Cash dividends to net income (ytd only)* | 31.8147% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,853 |
| Loan loss allowance to noncurrent loans | 47.2538% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 918 |
| Noncurrent loans to loans | 2.0244% | 699 |
| Net loans and leases to total assets | 65.9336% | 3,117 |
| Net loans and leases to deposits | 75.9525% | 3,341 |
| Net loans and leases to core deposits | 77.2518% | 3,630 |
| Total domestic deposits to total assets | 86.8089% | 1,677 |
| Equity capital to assets | 8.3157% | 5,114 |
| Core capital (leverage) ratio | 9.2914% | 4,362 |
| Tier 1 risk-based capital ratio | 14.9527% | 2,868 |
| Total risk-based capital ratio | 15.9838% | 2,877 |
| Memoranda: | ||
| Average total assets | $312,863,000 | 2,098 |
| Average earning assets | $291,511,000 | 2,093 |
| Average equity | $24,771,670 | 2,743 |
| Average total loans | $204,485,000 | 2,155 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 4,126 |
| Cost of funding earning assets | 0.7856% | 2,623 |
| Net interest margin | 3.3146% | 4,127 |
| Noninterest income to average assets | 0.5771% | 2,153 |
| Noninterest expense to average assets | 2.6400% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8223% | 3,543 |
| Return on assets (ROA) | 0.8036% | 3,649 |
| Pretax return on assets | 0.9918% | 3,465 |
| Return on Equity (ROE) | 10.4122% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.4828% | 2,250 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2339% | 2,003 |
| Assets per employee ($millions) | 4.3076% | 3,478 |
| Cash dividends to net income (ytd only)* | 37.7389% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9782% | 3,834 |
| Loan loss allowance to noncurrent loans | 52.3433% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2078% | 1,106 |
| Noncurrent loans to loans | 1.8688% | 814 |
| Net loans and leases to total assets | 63.9972% | 3,285 |
| Net loans and leases to deposits | 74.2161% | 3,435 |
| Net loans and leases to core deposits | 75.4140% | 3,698 |
| Total domestic deposits to total assets | 86.2308% | 2,169 |
| Equity capital to assets | 7.8577% | 5,214 |
| Core capital (leverage) ratio | 9.1608% | 4,513 |
| Tier 1 risk-based capital ratio | 15.0240% | 2,884 |
| Total risk-based capital ratio | 16.0744% | 2,886 |
| Memoranda: | ||
| Average total assets | $312,578,500 | 2,112 |
| Average earning assets | $290,234,500 | 2,113 |
| Average equity | $24,125,500 | 2,796 |
| Average total loans | $202,401,000 | 2,192 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9523% | 4,163 |
| Cost of funding earning assets | 0.5821% | 2,839 |
| Net interest margin | 3.3702% | 4,076 |
| Noninterest income to average assets | 0.6211% | 2,184 |
| Noninterest expense to average assets | 2.7035% | 3,012 |
| Loan and lease loss provision to assets | 0.0424% | 3,340 |
| Net operating income to assets | 0.8324% | 3,684 |
| Return on assets (ROA) | 0.8327% | 3,681 |
| Pretax return on assets | 1.0134% | 3,557 |
| Return on Equity (ROE) | 11.0654% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.2659% | 791 |
| Net charge-offs to loans | 0.0116% | 3,287 |
| Credit loss provision to net charge-offs | 581.8182% | 608 |
| Earnings coverage of net charge-offs (x) | 144.9091% | 577 |
| Efficiency ratio | 71.9218% | 1,910 |
| Assets per employee ($millions) | 4.4386% | 3,256 |
| Cash dividends to net income (ytd only)* | 16.2624% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,779 |
| Loan loss allowance to noncurrent loans | 51.1580% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2507% | 1,028 |
| Noncurrent loans to loans | 1.9279% | 710 |
| Net loans and leases to total assets | 64.2364% | 3,328 |
| Net loans and leases to deposits | 76.1041% | 3,344 |
| Net loans and leases to core deposits | 77.3709% | 3,619 |
| Total domestic deposits to total assets | 84.4059% | 2,870 |
| Equity capital to assets | 7.5771% | 5,273 |
| Core capital (leverage) ratio | 9.0271% | 4,630 |
| Tier 1 risk-based capital ratio | 14.9716% | 2,841 |
| Total risk-based capital ratio | 16.0328% | 2,856 |
| Memoranda: | ||
| Average total assets | $302,047,600 | 2,143 |
| Average earning assets | $281,232,200 | 2,129 |
| Average equity | $22,728,600 | 2,849 |
| Average total loans | $190,057,200 | 2,249 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 4,219 |
| Cost of funding earning assets | 0.5351% | 2,962 |
| Net interest margin | 3.3629% | 4,125 |
| Noninterest income to average assets | 0.6033% | 2,290 |
| Noninterest expense to average assets | 2.7370% | 2,852 |
| Loan and lease loss provision to assets | 0.0569% | 2,839 |
| Net operating income to assets | 0.7710% | 4,005 |
| Return on assets (ROA) | 0.7714% | 4,013 |
| Pretax return on assets | 0.9395% | 3,899 |
| Return on Equity (ROE) | 10.2697% | 2,491 |
| Retained earnings to average equity (ytd only) | 7.8488% | 1,727 |
| Net charge-offs to loans | 0.0164% | 2,845 |
| Credit loss provision to net charge-offs | 556.5217% | 638 |
| Earnings coverage of net charge-offs (x) | 97.3782% | 767 |
| Efficiency ratio | 73.3206% | 1,681 |
| Assets per employee ($millions) | 4.3799% | 3,307 |
| Cash dividends to net income (ytd only)* | 23.5735% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,717 |
| Loan loss allowance to noncurrent loans | 50.7924% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2759% | 1,079 |
| Noncurrent loans to loans | 1.9806% | 748 |
| Net loans and leases to total assets | 63.7742% | 3,455 |
| Net loans and leases to deposits | 73.2110% | 3,662 |
| Net loans and leases to core deposits | 74.0158% | 3,947 |
| Total domestic deposits to total assets | 87.1101% | 1,681 |
| Equity capital to assets | 7.3520% | 5,336 |
| Core capital (leverage) ratio | 8.7649% | 4,912 |
| Tier 1 risk-based capital ratio | 14.6929% | 3,022 |
| Total risk-based capital ratio | 15.7644% | 3,028 |
| Memoranda: | ||
| Average total assets | $299,884,250 | 2,165 |
| Average earning assets | $279,078,250 | 2,151 |
| Average equity | $22,525,250 | 2,873 |
| Average total loans | $187,178,750 | 2,281 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,336 |
| Cost of funding earning assets | 0.4781% | 3,169 |
| Net interest margin | 3.3282% | 4,171 |
| Noninterest income to average assets | 0.5920% | 2,368 |
| Noninterest expense to average assets | 2.7536% | 2,835 |
| Loan and lease loss provision to assets | 0.0860% | 2,191 |
| Net operating income to assets | 0.7028% | 4,188 |
| Return on assets (ROA) | 0.7028% | 4,189 |
| Pretax return on assets | 0.8487% | 4,117 |
| Return on Equity (ROE) | 9.2895% | 2,903 |
| Retained earnings to average equity (ytd only) | 7.5311% | 1,830 |
| Net charge-offs to loans | 0.0174% | 2,567 |
| Credit loss provision to net charge-offs | 800.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 86.9375% | 775 |
| Efficiency ratio | 74.6584% | 1,619 |
| Assets per employee ($millions) | 4.3229% | 3,397 |
| Cash dividends to net income (ytd only)* | 18.9293% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,588 |
| Loan loss allowance to noncurrent loans | 49.6514% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.3271% | 1,059 |
| Noncurrent loans to loans | 2.0965% | 686 |
| Net loans and leases to total assets | 62.6446% | 3,531 |
| Net loans and leases to deposits | 72.7314% | 3,655 |
| Net loans and leases to core deposits | 73.4634% | 3,914 |
| Total domestic deposits to total assets | 86.1314% | 2,218 |
| Equity capital to assets | 7.4404% | 5,389 |
| Core capital (leverage) ratio | 8.8605% | 4,830 |
| Tier 1 risk-based capital ratio | 15.0101% | 2,870 |
| Total risk-based capital ratio | 16.1277% | 2,854 |
| Memoranda: | ||
| Average total assets | $297,647,000 | 2,191 |
| Average earning assets | $276,907,330 | 2,172 |
| Average equity | $22,520,000 | 2,883 |
| Average total loans | $183,733,000 | 2,316 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 4,384 |
| Cost of funding earning assets | 0.4428% | 3,266 |
| Net interest margin | 3.2965% | 4,202 |
| Noninterest income to average assets | 0.5841% | 2,341 |
| Noninterest expense to average assets | 2.7727% | 2,794 |
| Loan and lease loss provision to assets | 0.1274% | 1,479 |
| Net operating income to assets | 0.6274% | 4,349 |
| Return on assets (ROA) | 0.6274% | 4,359 |
| Pretax return on assets | 0.7508% | 4,292 |
| Return on Equity (ROE) | 8.2229% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.7064% | 3,309 |
| Net charge-offs to loans | 0.0400% | 1,732 |
| Credit loss provision to net charge-offs | 522.2222% | 566 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,124 |
| Efficiency ratio | 75.9465% | 1,598 |
| Assets per employee ($millions) | 4.0515% | 3,889 |
| Cash dividends to net income (ytd only)* | 42.7646% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,580 |
| Loan loss allowance to noncurrent loans | 48.2266% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 1,064 |
| Noncurrent loans to loans | 2.2056% | 681 |
| Net loans and leases to total assets | 61.5768% | 3,596 |
| Net loans and leases to deposits | 69.7573% | 3,811 |
| Net loans and leases to core deposits | 70.5535% | 4,058 |
| Total domestic deposits to total assets | 88.2729% | 1,475 |
| Equity capital to assets | 7.5142% | 5,411 |
| Core capital (leverage) ratio | 8.8329% | 4,862 |
| Tier 1 risk-based capital ratio | 15.0003% | 2,863 |
| Total risk-based capital ratio | 16.1214% | 2,872 |
| Memoranda: | ||
| Average total assets | $295,168,500 | 2,218 |
| Average earning assets | $274,597,000 | 2,213 |
| Average equity | $22,522,500 | 2,910 |
| Average total loans | $179,820,000 | 2,362 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6117% | 4,548 |
| Cost of funding earning assets | 0.4010% | 3,250 |
| Net interest margin | 3.2107% | 4,421 |
| Noninterest income to average assets | 0.6173% | 2,368 |
| Noninterest expense to average assets | 2.7868% | 2,819 |
| Loan and lease loss provision to assets | 0.0461% | 3,315 |
| Net operating income to assets | 0.4699% | 4,457 |
| Return on assets (ROA) | 0.4957% | 4,423 |
| Pretax return on assets | 0.7941% | 4,260 |
| Return on Equity (ROE) | 6.3781% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.9330% | 2,165 |
| Net charge-offs to loans | 0.0200% | 3,439 |
| Credit loss provision to net charge-offs | 403.0303% | 754 |
| Earnings coverage of net charge-offs (x) | 69.9394% | 856 |
| Efficiency ratio | 77.6962% | 1,395 |
| Assets per employee ($millions) | 4.1490% | 3,741 |
| Cash dividends to net income (ytd only)* | 22.6573% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,495 |
| Loan loss allowance to noncurrent loans | 53.4659% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 1,238 |
| Noncurrent loans to loans | 2.0050% | 763 |
| Net loans and leases to total assets | 58.9593% | 3,926 |
| Net loans and leases to deposits | 64.8644% | 4,269 |
| Net loans and leases to core deposits | 65.5843% | 4,438 |
| Total domestic deposits to total assets | 90.8961% | 267 |
| Equity capital to assets | 7.7470% | 5,471 |
| Core capital (leverage) ratio | 8.5645% | 5,080 |
| Tier 1 risk-based capital ratio | 15.2648% | 2,719 |
| Total risk-based capital ratio | 16.3925% | 2,708 |
| Memoranda: | ||
| Average total assets | $288,501,600 | 2,235 |
| Average earning assets | $266,829,400 | 2,233 |
| Average equity | $22,420,400 | 2,909 |
| Average total loans | $165,379,600 | 2,472 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 4,631 |
| Cost of funding earning assets | 0.3917% | 3,281 |
| Net interest margin | 3.1805% | 4,507 |
| Noninterest income to average assets | 0.6100% | 2,424 |
| Noninterest expense to average assets | 2.7987% | 2,730 |
| Loan and lease loss provision to assets | -0.0033% | 5,439 |
| Net operating income to assets | 0.5979% | 4,402 |
| Return on assets (ROA) | 0.6170% | 4,371 |
| Pretax return on assets | 0.7777% | 4,409 |
| Return on Equity (ROE) | 7.9328% | 3,158 |
| Retained earnings to average equity (ytd only) | 5.9914% | 2,244 |
| Net charge-offs to loans | -0.1687% | 5,496 |
| Credit loss provision to net charge-offs | 3.3981% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8585% | 1,232 |
| Assets per employee ($millions) | 4.0545% | 3,894 |
| Cash dividends to net income (ytd only)* | 24.4728% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,152 |
| Loan loss allowance to noncurrent loans | 51.0830% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 1,183 |
| Noncurrent loans to loans | 2.2695% | 707 |
| Net loans and leases to total assets | 58.6707% | 3,998 |
| Net loans and leases to deposits | 64.5421% | 4,347 |
| Net loans and leases to core deposits | 65.0232% | 4,553 |
| Total domestic deposits to total assets | 90.9029% | 207 |
| Equity capital to assets | 7.9955% | 5,524 |
| Core capital (leverage) ratio | 8.8988% | 4,869 |
| Tier 1 risk-based capital ratio | 15.4564% | 2,722 |
| Total risk-based capital ratio | 16.6635% | 2,687 |
| Memoranda: | ||
| Average total assets | $286,982,500 | 2,258 |
| Average earning assets | $265,190,750 | 2,261 |
| Average equity | $22,320,250 | 2,943 |
| Average total loans | $162,833,750 | 2,522 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5269% | 4,693 |
| Cost of funding earning assets | 0.3874% | 3,208 |
| Net interest margin | 3.1395% | 4,575 |
| Noninterest income to average assets | 0.5972% | 2,476 |
| Noninterest expense to average assets | 2.7905% | 2,798 |
| Loan and lease loss provision to assets | -0.0070% | 5,535 |
| Net operating income to assets | 0.5711% | 4,425 |
| Return on assets (ROA) | 0.6000% | 4,348 |
| Pretax return on assets | 0.7437% | 4,445 |
| Return on Equity (ROE) | 7.7870% | 3,150 |
| Retained earnings to average equity (ytd only) | 6.3836% | 1,909 |
| Net charge-offs to loans | -0.2098% | 5,582 |
| Credit loss provision to net charge-offs | 5.9524% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9201% | 1,214 |
| Assets per employee ($millions) | 3.8084% | 4,265 |
| Cash dividends to net income (ytd only)* | 18.0233% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 3,174 |
| Loan loss allowance to noncurrent loans | 51.5135% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3363% | 1,210 |
| Noncurrent loans to loans | 2.2785% | 703 |
| Net loans and leases to total assets | 57.9597% | 4,041 |
| Net loans and leases to deposits | 63.7578% | 4,383 |
| Net loans and leases to core deposits | 65.6671% | 4,492 |
| Total domestic deposits to total assets | 90.9061% | 245 |
| Equity capital to assets | 8.0593% | 5,511 |
| Core capital (leverage) ratio | 8.8266% | 4,919 |
| Tier 1 risk-based capital ratio | 15.5856% | 2,671 |
| Total risk-based capital ratio | 16.7917% | 2,623 |
| Memoranda: | ||
| Average total assets | $286,685,670 | 2,265 |
| Average earning assets | $264,313,000 | 2,270 |
| Average equity | $22,088,000 | 2,963 |
| Average total loans | $160,152,330 | 2,564 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4590% | 4,804 |
| Cost of funding earning assets | 0.3840% | 3,156 |
| Net interest margin | 3.0750% | 4,721 |
| Noninterest income to average assets | 0.5589% | 2,616 |
| Noninterest expense to average assets | 2.7200% | 3,069 |
| Loan and lease loss provision to assets | -0.0899% | 5,745 |
| Net operating income to assets | 0.6095% | 4,115 |
| Return on assets (ROA) | 0.6129% | 4,155 |
| Pretax return on assets | 0.7582% | 4,260 |
| Return on Equity (ROE) | 8.1376% | 2,841 |
| Retained earnings to average equity (ytd only) | 5.2903% | 2,741 |
| Net charge-offs to loans | -0.4214% | 5,725 |
| Credit loss provision to net charge-offs | 39.1566% | 2,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3761% | 1,333 |
| Assets per employee ($millions) | 3.9753% | 4,059 |
| Cash dividends to net income (ytd only)* | 34.9887% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 3,235 |
| Loan loss allowance to noncurrent loans | 48.5309% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3370% | 1,265 |
| Noncurrent loans to loans | 2.4377% | 651 |
| Net loans and leases to total assets | 54.1978% | 4,324 |
| Net loans and leases to deposits | 60.4118% | 4,539 |
| Net loans and leases to core deposits | 62.1668% | 4,646 |
| Total domestic deposits to total assets | 89.7140% | 787 |
| Equity capital to assets | 7.5813% | 5,662 |
| Core capital (leverage) ratio | 8.6018% | 5,153 |
| Tier 1 risk-based capital ratio | 15.4728% | 2,767 |
| Total risk-based capital ratio | 16.6547% | 2,727 |
| Memoranda: | ||
| Average total assets | $289,116,000 | 2,262 |
| Average earning assets | $265,628,000 | 2,276 |
| Average equity | $21,775,500 | 3,002 |
| Average total loans | $157,586,000 | 2,610 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4086% | 4,965 |
| Cost of funding earning assets | 0.3694% | 3,320 |
| Net interest margin | 3.0393% | 4,875 |
| Noninterest income to average assets | 0.5820% | 2,751 |
| Noninterest expense to average assets | 2.8460% | 2,858 |
| Loan and lease loss provision to assets | 0.0139% | 4,105 |
| Net operating income to assets | 0.4423% | 4,821 |
| Return on assets (ROA) | 0.4687% | 4,820 |
| Pretax return on assets | 0.5485% | 4,927 |
| Return on Equity (ROE) | 6.1560% | 3,901 |
| Retained earnings to average equity (ytd only) | 4.8607% | 2,439 |
| Net charge-offs to loans | -0.0219% | 5,153 |
| Credit loss provision to net charge-offs | -125.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2654% | 986 |
| Assets per employee ($millions) | 4.0568% | 3,856 |
| Cash dividends to net income (ytd only)* | 21.0409% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,479 |
| Loan loss allowance to noncurrent loans | 45.7392% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 1,247 |
| Noncurrent loans to loans | 2.4973% | 629 |
| Net loans and leases to total assets | 53.5444% | 4,478 |
| Net loans and leases to deposits | 60.3587% | 4,647 |
| Net loans and leases to core deposits | 62.1467% | 4,749 |
| Total domestic deposits to total assets | 88.7103% | 1,264 |
| Equity capital to assets | 7.4818% | 5,718 |
| Core capital (leverage) ratio | 8.4646% | 5,295 |
| Tier 1 risk-based capital ratio | 15.5718% | 2,715 |
| Total risk-based capital ratio | 16.7109% | 2,698 |
| Memoranda: | ||
| Average total assets | $286,961,600 | 2,239 |
| Average earning assets | $263,946,200 | 2,253 |
| Average equity | $21,848,600 | 2,999 |
| Average total loans | $146,147,400 | 2,692 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4140% | 4,995 |
| Cost of funding earning assets | 0.3645% | 3,391 |
| Net interest margin | 3.0495% | 4,902 |
| Noninterest income to average assets | 0.5818% | 2,754 |
| Noninterest expense to average assets | 2.9192% | 2,580 |
| Loan and lease loss provision to assets | 0.0186% | 3,877 |
| Net operating income to assets | 0.3938% | 5,038 |
| Return on assets (ROA) | 0.4306% | 5,016 |
| Pretax return on assets | 0.4865% | 5,153 |
| Return on Equity (ROE) | 5.6316% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.9105% | 3,518 |
| Net charge-offs to loans | -0.0334% | 5,205 |
| Credit loss provision to net charge-offs | -111.1111% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2936% | 801 |
| Assets per employee ($millions) | 3.9034% | 4,121 |
| Cash dividends to net income (ytd only)* | 30.5611% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 3,290 |
| Loan loss allowance to noncurrent loans | 40.6556% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 1,016 |
| Noncurrent loans to loans | 2.9315% | 526 |
| Net loans and leases to total assets | 50.5769% | 4,778 |
| Net loans and leases to deposits | 55.5536% | 5,021 |
| Net loans and leases to core deposits | 59.4222% | 4,969 |
| Total domestic deposits to total assets | 91.0417% | 187 |
| Equity capital to assets | 7.9035% | 5,768 |
| Core capital (leverage) ratio | 8.4680% | 5,387 |
| Tier 1 risk-based capital ratio | 15.6710% | 2,758 |
| Total risk-based capital ratio | 16.8399% | 2,728 |
| Memoranda: | ||
| Average total assets | $286,694,000 | 2,244 |
| Average earning assets | $263,340,750 | 2,273 |
| Average equity | $21,923,250 | 3,015 |
| Average total loans | $143,682,500 | 2,727 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,020 |
| Cost of funding earning assets | 0.3648% | 3,408 |
| Net interest margin | 3.0661% | 4,928 |
| Noninterest income to average assets | 0.5887% | 2,679 |
| Noninterest expense to average assets | 2.9613% | 2,482 |
| Loan and lease loss provision to assets | 0.0211% | 3,715 |
| Net operating income to assets | 0.3932% | 5,056 |
| Return on assets (ROA) | 0.4377% | 4,998 |
| Pretax return on assets | 0.4974% | 5,135 |
| Return on Equity (ROE) | 5.7904% | 4,145 |
| Retained earnings to average equity (ytd only) | 4.4706% | 3,071 |
| Net charge-offs to loans | 0.0989% | 1,850 |
| Credit loss provision to net charge-offs | 42.8571% | 2,746 |
| Earnings coverage of net charge-offs (x) | 9.5143% | 2,419 |
| Efficiency ratio | 86.3553% | 849 |
| Assets per employee ($millions) | 3.6171% | 4,569 |
| Cash dividends to net income (ytd only)* | 22.7929% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,528 |
| Loan loss allowance to noncurrent loans | 32.7837% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.0621% | 780 |
| Noncurrent loans to loans | 3.5671% | 368 |
| Net loans and leases to total assets | 50.0243% | 4,837 |
| Net loans and leases to deposits | 55.3355% | 5,060 |
| Net loans and leases to core deposits | 60.6506% | 4,952 |
| Total domestic deposits to total assets | 90.4018% | 352 |
| Equity capital to assets | 7.8767% | 5,838 |
| Core capital (leverage) ratio | 8.3172% | 5,521 |
| Tier 1 risk-based capital ratio | 15.7670% | 2,753 |
| Total risk-based capital ratio | 16.8742% | 2,750 |
| Memoranda: | ||
| Average total assets | $284,673,330 | 2,269 |
| Average earning assets | $263,720,000 | 2,273 |
| Average equity | $21,518,330 | 3,051 |
| Average total loans | $141,625,670 | 2,756 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4515% | 5,000 |
| Cost of funding earning assets | 0.3622% | 3,483 |
| Net interest margin | 3.0893% | 4,894 |
| Noninterest income to average assets | 0.5777% | 2,647 |
| Noninterest expense to average assets | 2.9656% | 2,499 |
| Loan and lease loss provision to assets | 0.0210% | 3,413 |
| Net operating income to assets | 0.3982% | 5,002 |
| Return on assets (ROA) | 0.4462% | 4,925 |
| Pretax return on assets | 0.5092% | 5,059 |
| Return on Equity (ROE) | 6.0285% | 3,971 |
| Retained earnings to average equity (ytd only) | 3.3450% | 3,822 |
| Net charge-offs to loans | 0.0624% | 1,872 |
| Credit loss provision to net charge-offs | 68.1818% | 1,916 |
| Earnings coverage of net charge-offs (x) | 15.4545% | 1,661 |
| Efficiency ratio | 86.1789% | 958 |
| Assets per employee ($millions) | 3.5994% | 4,651 |
| Cash dividends to net income (ytd only)* | 44.5141% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,546 |
| Loan loss allowance to noncurrent loans | 35.3246% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 2.0302% | 847 |
| Noncurrent loans to loans | 3.3666% | 425 |
| Net loans and leases to total assets | 49.7605% | 4,829 |
| Net loans and leases to deposits | 54.5104% | 5,071 |
| Net loans and leases to core deposits | 60.7659% | 4,887 |
| Total domestic deposits to total assets | 91.2863% | 202 |
| Equity capital to assets | 7.5827% | 5,931 |
| Core capital (leverage) ratio | 8.2280% | 5,628 |
| Tier 1 risk-based capital ratio | 15.4772% | 2,933 |
| Total risk-based capital ratio | 16.5938% | 2,940 |
| Memoranda: | ||
| Average total assets | $285,941,500 | 2,274 |
| Average earning assets | $265,046,500 | 2,270 |
| Average equity | $21,166,000 | 3,088 |
| Average total loans | $141,035,000 | 2,765 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 5,497 |
| Cost of funding earning assets | 0.3342% | 3,858 |
| Net interest margin | 2.8810% | 5,368 |
| Noninterest income to average assets | 0.6524% | 2,449 |
| Noninterest expense to average assets | 2.9316% | 2,757 |
| Loan and lease loss provision to assets | 0.0052% | 4,285 |
| Net operating income to assets | 0.3206% | 5,296 |
| Return on assets (ROA) | 0.3869% | 5,173 |
| Pretax return on assets | 0.4534% | 5,217 |
| Return on Equity (ROE) | 5.4335% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.1709% | 3,019 |
| Net charge-offs to loans | 0.0937% | 2,489 |
| Credit loss provision to net charge-offs | 11.9048% | 3,811 |
| Earnings coverage of net charge-offs (x) | 8.6349% | 2,923 |
| Efficiency ratio | 88.5087% | 799 |
| Assets per employee ($millions) | 3.4642% | 4,887 |
| Cash dividends to net income (ytd only)* | 23.2369% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 3,289 |
| Loan loss allowance to noncurrent loans | 31.0007% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 2.2123% | 762 |
| Noncurrent loans to loans | 3.9721% | 308 |
| Net loans and leases to total assets | 47.7033% | 5,043 |
| Net loans and leases to deposits | 52.5967% | 5,254 |
| Net loans and leases to core deposits | 58.5396% | 5,074 |
| Total domestic deposits to total assets | 90.6965% | 382 |
| Equity capital to assets | 7.2237% | 6,024 |
| Core capital (leverage) ratio | 8.1399% | 5,744 |
| Tier 1 risk-based capital ratio | 15.3539% | 3,012 |
| Total risk-based capital ratio | 16.4744% | 3,005 |
| Memoranda: | ||
| Average total assets | $285,848,000 | 2,230 |
| Average earning assets | $263,904,000 | 2,243 |
| Average equity | $20,355,200 | 3,137 |
| Average total loans | $134,426,200 | 2,813 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1937% | 5,593 |
| Cost of funding earning assets | 0.3337% | 3,937 |
| Net interest margin | 2.8600% | 5,474 |
| Noninterest income to average assets | 0.6671% | 2,402 |
| Noninterest expense to average assets | 2.9046% | 2,834 |
| Loan and lease loss provision to assets | 0.0070% | 4,119 |
| Net operating income to assets | 0.3291% | 5,372 |
| Return on assets (ROA) | 0.4162% | 5,190 |
| Pretax return on assets | 0.4975% | 5,224 |
| Return on Equity (ROE) | 5.8661% | 4,214 |
| Retained earnings to average equity (ytd only) | 4.1741% | 3,495 |
| Net charge-offs to loans | 0.0990% | 2,159 |
| Credit loss provision to net charge-offs | 15.1515% | 3,402 |
| Earnings coverage of net charge-offs (x) | 8.6664% | 2,781 |
| Efficiency ratio | 87.8745% | 849 |
| Assets per employee ($millions) | 3.5049% | 4,781 |
| Cash dividends to net income (ytd only)* | 28.8442% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 3,187 |
| Loan loss allowance to noncurrent loans | 35.3336% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 2.0282% | 1,004 |
| Noncurrent loans to loans | 3.6326% | 411 |
| Net loans and leases to total assets | 46.4835% | 5,196 |
| Net loans and leases to deposits | 50.5551% | 5,446 |
| Net loans and leases to core deposits | 56.3628% | 5,288 |
| Total domestic deposits to total assets | 91.9461% | 104 |
| Equity capital to assets | 7.0946% | 6,139 |
| Core capital (leverage) ratio | 8.2009% | 5,775 |
| Tier 1 risk-based capital ratio | 15.7664% | 2,913 |
| Total risk-based capital ratio | 16.9493% | 2,889 |
| Memoranda: | ||
| Average total assets | $285,428,250 | 2,253 |
| Average earning assets | $263,299,750 | 2,261 |
| Average equity | $20,251,500 | 3,180 |
| Average total loans | $133,315,250 | 2,847 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2130% | 5,600 |
| Cost of funding earning assets | 0.3359% | 3,974 |
| Net interest margin | 2.8771% | 5,483 |
| Noninterest income to average assets | 0.5745% | 2,881 |
| Noninterest expense to average assets | 2.9167% | 2,832 |
| Loan and lease loss provision to assets | 0.0105% | 3,898 |
| Net operating income to assets | 0.2855% | 5,481 |
| Return on assets (ROA) | 0.2922% | 5,556 |
| Pretax return on assets | 0.3069% | 5,650 |
| Return on Equity (ROE) | 4.1177% | 4,972 |
| Retained earnings to average equity (ytd only) | 2.9794% | 4,140 |
| Net charge-offs to loans | 0.0452% | 2,793 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | 14.7333% | 2,037 |
| Efficiency ratio | 90.3808% | 723 |
| Assets per employee ($millions) | 3.3400% | 5,089 |
| Cash dividends to net income (ytd only)* | 27.6442% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 2,950 |
| Loan loss allowance to noncurrent loans | 32.7471% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 2.2667% | 904 |
| Noncurrent loans to loans | 4.1435% | 354 |
| Net loans and leases to total assets | 46.2467% | 5,226 |
| Net loans and leases to deposits | 51.0197% | 5,450 |
| Net loans and leases to core deposits | 56.9910% | 5,258 |
| Total domestic deposits to total assets | 90.6448% | 399 |
| Equity capital to assets | 7.0723% | 6,181 |
| Core capital (leverage) ratio | 7.9985% | 5,933 |
| Tier 1 risk-based capital ratio | 15.0495% | 3,334 |
| Total risk-based capital ratio | 16.2372% | 3,302 |
| Memoranda: | ||
| Average total assets | $284,770,670 | 2,270 |
| Average earning assets | $262,556,000 | 2,282 |
| Average equity | $20,205,330 | 3,198 |
| Average total loans | $132,643,330 | 2,860 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 5,696 |
| Cost of funding earning assets | 0.3344% | 4,047 |
| Net interest margin | 2.8364% | 5,577 |
| Noninterest income to average assets | 0.5386% | 3,032 |
| Noninterest expense to average assets | 2.9003% | 2,905 |
| Loan and lease loss provision to assets | 0.0210% | 3,440 |
| Net operating income to assets | 0.2370% | 5,596 |
| Return on assets (ROA) | 0.2510% | 5,653 |
| Pretax return on assets | 0.2482% | 5,756 |
| Return on Equity (ROE) | 3.5325% | 5,167 |
| Retained earnings to average equity (ytd only) | 1.2630% | 4,983 |
| Net charge-offs to loans | 0.0846% | 1,866 |
| Credit loss provision to net charge-offs | 53.5714% | 2,069 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,280 |
| Efficiency ratio | 91.9111% | 720 |
| Assets per employee ($millions) | 3.4300% | 5,031 |
| Cash dividends to net income (ytd only)* | 64.2458% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 3,079 |
| Loan loss allowance to noncurrent loans | 32.4421% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 2.4697% | 873 |
| Noncurrent loans to loans | 4.2065% | 392 |
| Net loans and leases to total assets | 45.9020% | 5,210 |
| Net loans and leases to deposits | 49.9507% | 5,461 |
| Net loans and leases to core deposits | 55.6906% | 5,272 |
| Total domestic deposits to total assets | 91.8947% | 157 |
| Equity capital to assets | 7.1636% | 6,244 |
| Core capital (leverage) ratio | 7.9075% | 5,988 |
| Tier 1 risk-based capital ratio | 14.2444% | 3,853 |
| Total risk-based capital ratio | 15.3803% | 3,857 |
| Memoranda: | ||
| Average total assets | $285,207,500 | 2,285 |
| Average earning assets | $263,146,500 | 2,292 |
| Average equity | $20,269,000 | 3,206 |
| Average total loans | $132,415,500 | 2,875 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 5,874 |
| Cost of funding earning assets | 0.3631% | 4,108 |
| Net interest margin | 2.8012% | 5,805 |
| Noninterest income to average assets | 0.5877% | 2,934 |
| Noninterest expense to average assets | 2.7945% | 3,504 |
| Loan and lease loss provision to assets | 0.1480% | 1,778 |
| Net operating income to assets | 0.2438% | 5,675 |
| Return on assets (ROA) | 0.2512% | 5,714 |
| Pretax return on assets | 0.2245% | 5,831 |
| Return on Equity (ROE) | 3.5238% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.2438% | 4,644 |
| Net charge-offs to loans | 0.1594% | 2,440 |
| Credit loss provision to net charge-offs | 202.8986% | 1,216 |
| Earnings coverage of net charge-offs (x) | 5.0048% | 3,520 |
| Efficiency ratio | 88.4465% | 953 |
| Assets per employee ($millions) | 3.4399% | 4,989 |
| Cash dividends to net income (ytd only)* | 36.3254% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 3,067 |
| Loan loss allowance to noncurrent loans | 31.7968% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 2.4731% | 936 |
| Noncurrent loans to loans | 4.3274% | 396 |
| Net loans and leases to total assets | 45.7153% | 5,350 |
| Net loans and leases to deposits | 49.8739% | 5,582 |
| Net loans and leases to core deposits | 55.1330% | 5,438 |
| Total domestic deposits to total assets | 91.6617% | 195 |
| Equity capital to assets | 7.1759% | 6,306 |
| Core capital (leverage) ratio | 7.7992% | 6,100 |
| Tier 1 risk-based capital ratio | 14.5908% | 3,726 |
| Total risk-based capital ratio | 15.7727% | 3,704 |
| Memoranda: | ||
| Average total assets | $283,803,800 | 2,243 |
| Average earning assets | $260,564,200 | 2,269 |
| Average equity | $20,233,600 | 3,140 |
| Average total loans | $129,899,400 | 2,872 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1532% | 5,953 |
| Cost of funding earning assets | 0.3655% | 4,181 |
| Net interest margin | 2.7877% | 5,888 |
| Noninterest income to average assets | 0.5848% | 2,965 |
| Noninterest expense to average assets | 2.7962% | 3,473 |
| Loan and lease loss provision to assets | 0.1976% | 1,212 |
| Net operating income to assets | 0.1943% | 5,858 |
| Return on assets (ROA) | 0.2042% | 5,894 |
| Pretax return on assets | 0.1557% | 6,006 |
| Return on Equity (ROE) | 2.8689% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.7253% | 5,186 |
| Net charge-offs to loans | 0.0062% | 4,483 |
| Credit loss provision to net charge-offs | 7,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 121.6638% | 488 |
| Efficiency ratio | 89.0604% | 923 |
| Assets per employee ($millions) | 3.4724% | 4,913 |
| Cash dividends to net income (ytd only)* | 39.8617% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 2,611 |
| Loan loss allowance to noncurrent loans | 31.5297% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 2.5599% | 1,010 |
| Noncurrent loans to loans | 4.8254% | 392 |
| Net loans and leases to total assets | 45.9655% | 5,379 |
| Net loans and leases to deposits | 50.0377% | 5,646 |
| Net loans and leases to core deposits | 55.3175% | 5,486 |
| Total domestic deposits to total assets | 91.8618% | 174 |
| Equity capital to assets | 7.4438% | 6,319 |
| Core capital (leverage) ratio | 8.0427% | 6,037 |
| Tier 1 risk-based capital ratio | 14.5243% | 3,870 |
| Total risk-based capital ratio | 15.7747% | 3,811 |
| Memoranda: | ||
| Average total assets | $283,376,500 | 2,265 |
| Average earning assets | $259,704,750 | 2,295 |
| Average equity | $20,170,000 | 3,153 |
| Average total loans | $129,288,250 | 2,887 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 6,041 |
| Cost of funding earning assets | 0.3739% | 4,168 |
| Net interest margin | 2.7461% | 5,996 |
| Noninterest income to average assets | 0.5818% | 2,918 |
| Noninterest expense to average assets | 2.8106% | 3,458 |
| Loan and lease loss provision to assets | 0.1697% | 1,444 |
| Net operating income to assets | 0.1859% | 5,875 |
| Return on assets (ROA) | 0.1859% | 5,922 |
| Pretax return on assets | 0.1195% | 6,066 |
| Return on Equity (ROE) | 2.6528% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.7752% | 5,009 |
| Net charge-offs to loans | 0.0219% | 3,772 |
| Credit loss provision to net charge-offs | 1,714.2857% | 218 |
| Earnings coverage of net charge-offs (x) | 29.2143% | 1,274 |
| Efficiency ratio | 90.6727% | 859 |
| Assets per employee ($millions) | 3.4528% | 4,941 |
| Cash dividends to net income (ytd only)* | 33.0798% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 3,329 |
| Loan loss allowance to noncurrent loans | 29.5616% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 2.5055% | 1,135 |
| Noncurrent loans to loans | 4.7505% | 442 |
| Net loans and leases to total assets | 45.4779% | 5,417 |
| Net loans and leases to deposits | 49.4396% | 5,677 |
| Net loans and leases to core deposits | 55.3201% | 5,454 |
| Total domestic deposits to total assets | 91.9868% | 172 |
| Equity capital to assets | 7.4152% | 6,367 |
| Core capital (leverage) ratio | 7.9057% | 6,156 |
| Tier 1 risk-based capital ratio | 14.4855% | 3,938 |
| Total risk-based capital ratio | 15.6584% | 3,925 |
| Memoranda: | ||
| Average total assets | $282,924,330 | 2,272 |
| Average earning assets | $259,425,330 | 2,289 |
| Average equity | $19,828,330 | 3,189 |
| Average total loans | $128,084,000 | 2,901 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2958% | 5,852 |
| Cost of funding earning assets | 0.3765% | 4,237 |
| Net interest margin | 2.9193% | 5,711 |
| Noninterest income to average assets | 0.5714% | 2,909 |
| Noninterest expense to average assets | 2.7014% | 3,930 |
| Loan and lease loss provision to assets | 0.2546% | 841 |
| Net operating income to assets | 0.2984% | 5,497 |
| Return on assets (ROA) | 0.2984% | 5,540 |
| Pretax return on assets | 0.2914% | 5,738 |
| Return on Equity (ROE) | 4.3856% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.5773% | 4,524 |
| Net charge-offs to loans | -0.0315% | 5,587 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1882% | 1,770 |
| Assets per employee ($millions) | 3.4627% | 5,003 |
| Cash dividends to net income (ytd only)* | 41.2322% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 3,522 |
| Loan loss allowance to noncurrent loans | 42.2562% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 1,829 |
| Noncurrent loans to loans | 3.3500% | 908 |
| Net loans and leases to total assets | 44.0994% | 5,500 |
| Net loans and leases to deposits | 47.6612% | 5,752 |
| Net loans and leases to core deposits | 52.1086% | 5,612 |
| Total domestic deposits to total assets | 92.5267% | 164 |
| Equity capital to assets | 6.9869% | 6,450 |
| Core capital (leverage) ratio | 7.9589% | 6,143 |
| Tier 1 risk-based capital ratio | 14.7042% | 3,883 |
| Total risk-based capital ratio | 15.8755% | 3,882 |
| Memoranda: | ||
| Average total assets | $282,820,000 | 2,280 |
| Average earning assets | $259,237,500 | 2,294 |
| Average equity | $19,245,000 | 3,253 |
| Average total loans | $126,827,500 | 2,929 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2943% | 6,007 |
| Cost of funding earning assets | 0.4267% | 4,359 |
| Net interest margin | 2.8676% | 5,860 |
| Noninterest income to average assets | 0.6588% | 2,762 |
| Noninterest expense to average assets | 2.7914% | 3,754 |
| Loan and lease loss provision to assets | 0.2294% | 1,578 |
| Net operating income to assets | 0.2844% | 5,574 |
| Return on assets (ROA) | 0.2844% | 5,671 |
| Pretax return on assets | 0.2778% | 5,786 |
| Return on Equity (ROE) | 4.2847% | 4,978 |
| Retained earnings to average equity (ytd only) | 2.6242% | 4,387 |
| Net charge-offs to loans | 0.8561% | 720 |
| Credit loss provision to net charge-offs | 59.1928% | 3,590 |
| Earnings coverage of net charge-offs (x) | 1.3085% | 4,627 |
| Efficiency ratio | 84.6243% | 1,558 |
| Assets per employee ($millions) | 3.3939% | 5,107 |
| Cash dividends to net income (ytd only)* | 38.7531% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,297 |
| Loan loss allowance to noncurrent loans | 153.5817% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 4,007 |
| Noncurrent loans to loans | 0.8268% | 3,912 |
| Net loans and leases to total assets | 44.3852% | 5,641 |
| Net loans and leases to deposits | 47.7973% | 5,909 |
| Net loans and leases to core deposits | 52.2238% | 5,781 |
| Total domestic deposits to total assets | 92.8614% | 150 |
| Equity capital to assets | 6.6210% | 6,547 |
| Core capital (leverage) ratio | 7.7053% | 6,301 |
| Tier 1 risk-based capital ratio | 14.4612% | 3,979 |
| Total risk-based capital ratio | 15.5066% | 4,057 |
| Memoranda: | ||
| Average total assets | $287,665,800 | 2,217 |
| Average earning assets | $264,819,800 | 2,222 |
| Average equity | $19,091,200 | 3,266 |
| Average total loans | $130,245,200 | 2,865 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2632% | 6,116 |
| Cost of funding earning assets | 0.4324% | 4,485 |
| Net interest margin | 2.8309% | 5,960 |
| Noninterest income to average assets | 0.6515% | 2,879 |
| Noninterest expense to average assets | 2.7587% | 3,800 |
| Loan and lease loss provision to assets | 0.2490% | 1,435 |
| Net operating income to assets | 0.2693% | 5,715 |
| Return on assets (ROA) | 0.2693% | 5,825 |
| Pretax return on assets | 0.2522% | 5,968 |
| Return on Equity (ROE) | 4.0552% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.0553% | 4,490 |
| Net charge-offs to loans | 0.9302% | 622 |
| Credit loss provision to net charge-offs | 59.0164% | 3,325 |
| Earnings coverage of net charge-offs (x) | 1.1880% | 4,449 |
| Efficiency ratio | 84.6252% | 1,521 |
| Assets per employee ($millions) | 3.4876% | 4,873 |
| Cash dividends to net income (ytd only)* | 24.6581% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,314 |
| Loan loss allowance to noncurrent loans | 92.0895% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.1004% | 3,454 |
| Noncurrent loans to loans | 1.4272% | 3,024 |
| Net loans and leases to total assets | 44.3196% | 5,703 |
| Net loans and leases to deposits | 47.7341% | 5,980 |
| Net loans and leases to core deposits | 52.1370% | 5,883 |
| Total domestic deposits to total assets | 92.8468% | 136 |
| Equity capital to assets | 6.1986% | 6,673 |
| Core capital (leverage) ratio | 7.8173% | 6,320 |
| Tier 1 risk-based capital ratio | 14.2950% | 4,217 |
| Total risk-based capital ratio | 15.3763% | 4,284 |
| Memoranda: | ||
| Average total assets | $289,158,500 | 2,225 |
| Average earning assets | $266,437,000 | 2,213 |
| Average equity | $19,201,250 | 3,289 |
| Average total loans | $131,146,750 | 2,858 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 6,130 |
| Cost of funding earning assets | 0.4420% | 4,520 |
| Net interest margin | 2.8304% | 5,944 |
| Noninterest income to average assets | 0.6306% | 3,013 |
| Noninterest expense to average assets | 2.7331% | 3,918 |
| Loan and lease loss provision to assets | 0.2481% | 1,506 |
| Net operating income to assets | 0.2736% | 5,699 |
| Return on assets (ROA) | 0.2736% | 5,834 |
| Pretax return on assets | 0.2619% | 5,976 |
| Return on Equity (ROE) | 4.0320% | 5,207 |
| Retained earnings to average equity (ytd only) | 2.5695% | 4,669 |
| Net charge-offs to loans | 1.1390% | 518 |
| Credit loss provision to net charge-offs | 47.8723% | 3,259 |
| Earnings coverage of net charge-offs (x) | 0.9840% | 4,203 |
| Efficiency ratio | 84.2754% | 1,599 |
| Assets per employee ($millions) | 3.6210% | 4,571 |
| Cash dividends to net income (ytd only)* | 36.2720% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 4,565 |
| Loan loss allowance to noncurrent loans | 93.0919% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 3,907 |
| Noncurrent loans to loans | 1.3834% | 3,231 |
| Net loans and leases to total assets | 44.7742% | 5,666 |
| Net loans and leases to deposits | 48.2862% | 5,971 |
| Net loans and leases to core deposits | 52.8537% | 5,825 |
| Total domestic deposits to total assets | 92.7267% | 151 |
| Equity capital to assets | 6.4584% | 6,695 |
| Core capital (leverage) ratio | 7.6462% | 6,394 |
| Tier 1 risk-based capital ratio | 14.1963% | 4,295 |
| Total risk-based capital ratio | 15.2683% | 4,375 |
| Memoranda: | ||
| Average total assets | $290,217,330 | 2,224 |
| Average earning assets | $267,875,000 | 2,204 |
| Average equity | $19,692,670 | 3,236 |
| Average total loans | $132,051,000 | 2,842 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 6,252 |
| Cost of funding earning assets | 0.4489% | 4,603 |
| Net interest margin | 2.7927% | 6,045 |
| Noninterest income to average assets | 0.6446% | 2,907 |
| Noninterest expense to average assets | 2.7164% | 3,994 |
| Loan and lease loss provision to assets | 0.2463% | 1,463 |
| Net operating income to assets | 0.2710% | 5,661 |
| Return on assets (ROA) | 0.2710% | 5,780 |
| Pretax return on assets | 0.2614% | 5,929 |
| Return on Equity (ROE) | 3.9012% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.9012% | 3,894 |
| Net charge-offs to loans | 1.3754% | 402 |
| Credit loss provision to net charge-offs | 39.3013% | 2,755 |
| Earnings coverage of net charge-offs (x) | 0.8100% | 3,559 |
| Efficiency ratio | 84.2530% | 1,730 |
| Assets per employee ($millions) | 3.5980% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 4,483 |
| Loan loss allowance to noncurrent loans | 92.4392% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 4,288 |
| Noncurrent loans to loans | 1.4577% | 3,378 |
| Net loans and leases to total assets | 44.8416% | 5,572 |
| Net loans and leases to deposits | 48.5484% | 5,881 |
| Net loans and leases to core deposits | 53.0666% | 5,744 |
| Total domestic deposits to total assets | 92.3647% | 193 |
| Equity capital to assets | 6.9456% | 6,723 |
| Core capital (leverage) ratio | 7.6119% | 6,413 |
| Tier 1 risk-based capital ratio | 13.5211% | 4,856 |
| Total risk-based capital ratio | 14.6076% | 4,920 |
| Memoranda: | ||
| Average total assets | $292,296,000 | 2,242 |
| Average earning assets | $269,989,000 | 2,213 |
| Average equity | $20,301,500 | 3,215 |
| Average total loans | $133,200,500 | 2,834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 6,497 |
| Cost of funding earning assets | 0.6184% | 4,189 |
| Net interest margin | 2.7707% | 6,422 |
| Noninterest income to average assets | 0.7679% | 2,407 |
| Noninterest expense to average assets | 2.7137% | 4,349 |
| Loan and lease loss provision to assets | 0.2536% | 2,625 |
| Net operating income to assets | 0.3205% | 5,395 |
| Return on assets (ROA) | 0.3205% | 5,606 |
| Pretax return on assets | 0.3540% | 5,700 |
| Return on Equity (ROE) | 4.5214% | 4,916 |
| Retained earnings to average equity (ytd only) | 2.9463% | 4,153 |
| Net charge-offs to loans | 0.3704% | 2,774 |
| Credit loss provision to net charge-offs | 142.2925% | 1,924 |
| Earnings coverage of net charge-offs (x) | 3.4091% | 3,739 |
| Efficiency ratio | 81.7054% | 1,914 |
| Assets per employee ($millions) | 3.6192% | 4,735 |
| Cash dividends to net income (ytd only)* | 34.8352% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 3,569 |
| Loan loss allowance to noncurrent loans | 57.5293% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 1.5582% | 3,045 |
| Noncurrent loans to loans | 2.6775% | 1,977 |
| Net loans and leases to total assets | 44.9824% | 5,730 |
| Net loans and leases to deposits | 48.9337% | 6,040 |
| Net loans and leases to core deposits | 53.5885% | 5,905 |
| Total domestic deposits to total assets | 91.9251% | 255 |
| Equity capital to assets | 6.9454% | 6,783 |
| Core capital (leverage) ratio | 7.5782% | 6,460 |
| Tier 1 risk-based capital ratio | 13.2186% | 4,949 |
| Total risk-based capital ratio | 14.4574% | 4,900 |
| Memoranda: | ||
| Average total assets | $283,895,800 | 2,242 |
| Average earning assets | $261,633,800 | 2,218 |
| Average equity | $20,126,600 | 3,192 |
| Average total loans | $136,592,600 | 2,764 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 6,571 |
| Cost of funding earning assets | 0.6617% | 4,089 |
| Net interest margin | 2.7814% | 6,528 |
| Noninterest income to average assets | 0.7969% | 2,256 |
| Noninterest expense to average assets | 2.7620% | 4,120 |
| Loan and lease loss provision to assets | 0.2557% | 2,532 |
| Net operating income to assets | 0.3158% | 5,560 |
| Return on assets (ROA) | 0.3158% | 5,762 |
| Pretax return on assets | 0.3447% | 5,860 |
| Return on Equity (ROE) | 4.4315% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.4748% | 4,421 |
| Net charge-offs to loans | 0.2254% | 3,372 |
| Credit loss provision to net charge-offs | 232.7586% | 1,191 |
| Earnings coverage of net charge-offs (x) | 5.4654% | 3,012 |
| Efficiency ratio | 82.1434% | 1,791 |
| Assets per employee ($millions) | 3.5275% | 4,913 |
| Cash dividends to net income (ytd only)* | 21.5898% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,582 |
| Loan loss allowance to noncurrent loans | 99.4926% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.0295% | 4,235 |
| Noncurrent loans to loans | 1.5929% | 3,398 |
| Net loans and leases to total assets | 46.3062% | 5,735 |
| Net loans and leases to deposits | 50.5154% | 6,073 |
| Net loans and leases to core deposits | 55.4058% | 5,934 |
| Total domestic deposits to total assets | 91.6676% | 251 |
| Equity capital to assets | 7.2289% | 6,839 |
| Core capital (leverage) ratio | 7.7760% | 6,480 |
| Tier 1 risk-based capital ratio | 13.3650% | 4,978 |
| Total risk-based capital ratio | 14.6161% | 4,935 |
| Memoranda: | ||
| Average total assets | $281,580,500 | 2,289 |
| Average earning assets | $259,714,250 | 2,256 |
| Average equity | $20,068,000 | 3,227 |
| Average total loans | $137,257,750 | 2,787 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 6,632 |
| Cost of funding earning assets | 0.7278% | 3,788 |
| Net interest margin | 2.7508% | 6,647 |
| Noninterest income to average assets | 0.8050% | 2,157 |
| Noninterest expense to average assets | 2.8249% | 3,924 |
| Loan and lease loss provision to assets | 0.2580% | 2,510 |
| Net operating income to assets | 0.2523% | 5,760 |
| Return on assets (ROA) | 0.2523% | 5,949 |
| Pretax return on assets | 0.2552% | 6,047 |
| Return on Equity (ROE) | 3.5578% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.1024% | 5,147 |
| Net charge-offs to loans | 0.1250% | 3,929 |
| Credit loss provision to net charge-offs | 418.6047% | 709 |
| Earnings coverage of net charge-offs (x) | 8.3256% | 2,315 |
| Efficiency ratio | 84.6253% | 1,573 |
| Assets per employee ($millions) | 3.4995% | 4,986 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 3,770 |
| Loan loss allowance to noncurrent loans | 91.5481% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,237 |
| Noncurrent loans to loans | 1.6956% | 3,355 |
| Net loans and leases to total assets | 47.5002% | 5,660 |
| Net loans and leases to deposits | 52.0508% | 6,023 |
| Net loans and leases to core deposits | 57.2890% | 5,833 |
| Total domestic deposits to total assets | 91.2573% | 366 |
| Equity capital to assets | 7.0748% | 6,897 |
| Core capital (leverage) ratio | 7.5672% | 6,589 |
| Tier 1 risk-based capital ratio | 12.9671% | 5,204 |
| Total risk-based capital ratio | 14.2172% | 5,181 |
| Memoranda: | ||
| Average total assets | $279,021,670 | 2,302 |
| Average earning assets | $256,939,670 | 2,289 |
| Average equity | $19,787,330 | 3,253 |
| Average total loans | $137,643,330 | 2,788 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4612% | 6,743 |
| Cost of funding earning assets | 0.7454% | 3,901 |
| Net interest margin | 2.7158% | 6,748 |
| Noninterest income to average assets | 0.9378% | 1,604 |
| Noninterest expense to average assets | 2.8641% | 3,769 |
| Loan and lease loss provision to assets | 0.2601% | 2,377 |
| Net operating income to assets | 0.2760% | 5,731 |
| Return on assets (ROA) | 0.2760% | 5,896 |
| Pretax return on assets | 0.3092% | 5,960 |
| Return on Equity (ROE) | 3.8872% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.8872% | 4,259 |
| Net charge-offs to loans | 0.0724% | 3,772 |
| Credit loss provision to net charge-offs | 720.0000% | 487 |
| Earnings coverage of net charge-offs (x) | 15.7600% | 1,406 |
| Efficiency ratio | 83.4175% | 1,747 |
| Assets per employee ($millions) | 3.4429% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,377 |
| Loan loss allowance to noncurrent loans | 94.4837% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 4,463 |
| Noncurrent loans to loans | 1.5338% | 3,815 |
| Net loans and leases to total assets | 48.8667% | 5,444 |
| Net loans and leases to deposits | 53.7215% | 5,836 |
| Net loans and leases to core deposits | 57.9083% | 5,720 |
| Total domestic deposits to total assets | 90.9630% | 577 |
| Equity capital to assets | 7.0712% | 6,918 |
| Core capital (leverage) ratio | 7.7495% | 6,446 |
| Tier 1 risk-based capital ratio | 12.9309% | 5,258 |
| Total risk-based capital ratio | 14.1300% | 5,279 |
| Memoranda: | ||
| Average total assets | $276,803,500 | 2,333 |
| Average earning assets | $254,365,500 | 2,329 |
| Average equity | $19,654,000 | 3,267 |
| Average total loans | $138,082,000 | 2,812 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 6,736 |
| Cost of funding earning assets | 0.8681% | 4,336 |
| Net interest margin | 2.9278% | 6,647 |
| Noninterest income to average assets | 0.7649% | 2,263 |
| Noninterest expense to average assets | 2.9129% | 3,904 |
| Loan and lease loss provision to assets | 0.8246% | 1,182 |
| Net operating income to assets | -0.2597% | 6,307 |
| Return on assets (ROA) | 0.2892% | 5,449 |
| Pretax return on assets | 0.3279% | 5,480 |
| Return on Equity (ROE) | 3.9192% | 4,891 |
| Retained earnings to average equity (ytd only) | 2.4813% | 4,462 |
| Net charge-offs to loans | 2.0489% | 668 |
| Credit loss provision to net charge-offs | 77.1724% | 4,590 |
| Earnings coverage of net charge-offs (x) | 0.4948% | 5,458 |
| Efficiency ratio | 84.6376% | 1,697 |
| Assets per employee ($millions) | 3.3100% | 5,488 |
| Cash dividends to net income (ytd only)* | 36.6879% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 4,703 |
| Loan loss allowance to noncurrent loans | 88.3421% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 1.4694% | 3,760 |
| Noncurrent loans to loans | 1.5180% | 3,871 |
| Net loans and leases to total assets | 49.5152% | 5,654 |
| Net loans and leases to deposits | 54.0867% | 6,061 |
| Net loans and leases to core deposits | 58.3808% | 5,978 |
| Total domestic deposits to total assets | 91.5477% | 321 |
| Equity capital to assets | 7.1299% | 6,930 |
| Core capital (leverage) ratio | 7.7318% | 6,514 |
| Tier 1 risk-based capital ratio | 13.3726% | 4,791 |
| Total risk-based capital ratio | 14.5270% | 4,838 |
| Memoranda: | ||
| Average total assets | $271,415,400 | 2,328 |
| Average earning assets | $248,137,200 | 2,321 |
| Average equity | $20,029,800 | 3,142 |
| Average total loans | $141,540,400 | 2,764 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 6,796 |
| Cost of funding earning assets | 0.8911% | 4,462 |
| Net interest margin | 2.9465% | 6,673 |
| Noninterest income to average assets | 0.7539% | 2,291 |
| Noninterest expense to average assets | 2.9353% | 3,794 |
| Loan and lease loss provision to assets | 0.7362% | 1,298 |
| Net operating income to assets | -0.1943% | 6,383 |
| Return on assets (ROA) | 0.2759% | 5,644 |
| Pretax return on assets | 0.3163% | 5,669 |
| Return on Equity (ROE) | 3.7073% | 5,122 |
| Retained earnings to average equity (ytd only) | 2.7539% | 4,712 |
| Net charge-offs to loans | 1.3253% | 1,154 |
| Credit loss provision to net charge-offs | 105.5085% | 3,145 |
| Earnings coverage of net charge-offs (x) | 0.7338% | 5,061 |
| Efficiency ratio | 85.1487% | 1,622 |
| Assets per employee ($millions) | 3.3520% | 5,359 |
| Cash dividends to net income (ytd only)* | 25.7149% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8544% | 2,770 |
| Loan loss allowance to noncurrent loans | 62.5060% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 2.1685% | 2,941 |
| Noncurrent loans to loans | 2.9668% | 2,342 |
| Net loans and leases to total assets | 49.2509% | 5,803 |
| Net loans and leases to deposits | 53.8147% | 6,227 |
| Net loans and leases to core deposits | 58.1681% | 6,114 |
| Total domestic deposits to total assets | 91.5194% | 292 |
| Equity capital to assets | 7.5335% | 6,923 |
| Core capital (leverage) ratio | 7.8930% | 6,491 |
| Tier 1 risk-based capital ratio | 13.2595% | 4,909 |
| Total risk-based capital ratio | 14.5140% | 4,877 |
| Memoranda: | ||
| Average total assets | $270,586,750 | 2,352 |
| Average earning assets | $247,337,750 | 2,340 |
| Average equity | $20,140,250 | 3,122 |
| Average total loans | $142,455,000 | 2,770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 6,783 |
| Cost of funding earning assets | 0.9171% | 4,533 |
| Net interest margin | 2.9994% | 6,610 |
| Noninterest income to average assets | 0.7573% | 2,224 |
| Noninterest expense to average assets | 2.9555% | 3,806 |
| Loan and lease loss provision to assets | 0.6074% | 1,583 |
| Net operating income to assets | -0.0477% | 6,295 |
| Return on assets (ROA) | 0.3022% | 5,505 |
| Pretax return on assets | 0.3470% | 5,556 |
| Return on Equity (ROE) | 4.0770% | 4,902 |
| Retained earnings to average equity (ytd only) | 2.6274% | 4,624 |
| Net charge-offs to loans | 0.0809% | 4,834 |
| Credit loss provision to net charge-offs | 1,403.4483% | 251 |
| Earnings coverage of net charge-offs (x) | 12.7586% | 1,601 |
| Efficiency ratio | 84.2587% | 1,788 |
| Assets per employee ($millions) | 3.2017% | 5,639 |
| Cash dividends to net income (ytd only)* | 35.5556% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 1,758 |
| Loan loss allowance to noncurrent loans | 58.6640% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.5765% | 2,588 |
| Noncurrent loans to loans | 3.9049% | 1,778 |
| Net loans and leases to total assets | 52.4375% | 5,508 |
| Net loans and leases to deposits | 57.2983% | 6,021 |
| Net loans and leases to core deposits | 61.4012% | 5,959 |
| Total domestic deposits to total assets | 91.5167% | 338 |
| Equity capital to assets | 7.6878% | 6,862 |
| Core capital (leverage) ratio | 7.7871% | 6,523 |
| Tier 1 risk-based capital ratio | 13.4688% | 4,552 |
| Total risk-based capital ratio | 14.7288% | 4,521 |
| Memoranda: | ||
| Average total assets | $268,045,000 | 2,384 |
| Average earning assets | $245,780,330 | 2,366 |
| Average equity | $19,867,330 | 3,150 |
| Average total loans | $143,403,000 | 2,784 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 6,783 |
| Cost of funding earning assets | 0.9401% | 4,644 |
| Net interest margin | 2.9937% | 6,587 |
| Noninterest income to average assets | 0.7890% | 2,076 |
| Noninterest expense to average assets | 2.9614% | 3,809 |
| Loan and lease loss provision to assets | 0.9421% | 834 |
| Net operating income to assets | -0.3449% | 6,701 |
| Return on assets (ROA) | 0.3239% | 5,369 |
| Pretax return on assets | 0.3492% | 5,512 |
| Return on Equity (ROE) | 4.4522% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.4522% | 3,506 |
| Net charge-offs to loans | -0.2225% | 7,280 |
| Credit loss provision to net charge-offs | -792.5000% | 6,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8099% | 1,978 |
| Assets per employee ($millions) | 3.3298% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2425% | 1,872 |
| Loan loss allowance to noncurrent loans | 57.5996% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.3941% | 2,845 |
| Noncurrent loans to loans | 3.8932% | 1,887 |
| Net loans and leases to total assets | 51.4904% | 5,650 |
| Net loans and leases to deposits | 55.9640% | 6,130 |
| Net loans and leases to core deposits | 60.9694% | 6,016 |
| Total domestic deposits to total assets | 92.0063% | 285 |
| Equity capital to assets | 7.1579% | 7,034 |
| Core capital (leverage) ratio | 7.6783% | 6,576 |
| Tier 1 risk-based capital ratio | 13.4125% | 4,490 |
| Total risk-based capital ratio | 14.6724% | 4,462 |
| Memoranda: | ||
| Average total assets | $269,195,000 | 2,398 |
| Average earning assets | $246,783,000 | 2,381 |
| Average equity | $19,586,000 | 3,173 |
| Average total loans | $143,796,000 | 2,805 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 6,634 |
| Cost of funding earning assets | 1.0480% | 5,442 |
| Net interest margin | 3.3412% | 5,830 |
| Noninterest income to average assets | 0.8314% | 2,135 |
| Noninterest expense to average assets | 3.3194% | 2,671 |
| Loan and lease loss provision to assets | 0.5473% | 2,948 |
| Net operating income to assets | 0.0150% | 5,791 |
| Return on assets (ROA) | 0.3334% | 4,974 |
| Pretax return on assets | 0.3245% | 5,164 |
| Return on Equity (ROE) | 4.4434% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.9640% | 3,784 |
| Net charge-offs to loans | 0.4914% | 3,658 |
| Credit loss provision to net charge-offs | 199.1585% | 1,583 |
| Earnings coverage of net charge-offs (x) | 2.0140% | 4,226 |
| Efficiency ratio | 85.7086% | 1,726 |
| Assets per employee ($millions) | 3.1589% | 5,758 |
| Cash dividends to net income (ytd only)* | 33.2948% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 3,049 |
| Loan loss allowance to noncurrent loans | 44.9919% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5344% | 2,733 |
| Noncurrent loans to loans | 3.8817% | 1,890 |
| Net loans and leases to total assets | 53.2378% | 5,748 |
| Net loans and leases to deposits | 58.0823% | 6,245 |
| Net loans and leases to core deposits | 62.7280% | 6,176 |
| Total domestic deposits to total assets | 91.6593% | 354 |
| Equity capital to assets | 7.3971% | 6,940 |
| Core capital (leverage) ratio | 7.7379% | 6,509 |
| Tier 1 risk-based capital ratio | 12.9466% | 4,638 |
| Total risk-based capital ratio | 14.2002% | 4,609 |
| Memoranda: | ||
| Average total assets | $259,447,800 | 2,459 |
| Average earning assets | $236,172,000 | 2,467 |
| Average equity | $19,467,200 | 3,217 |
| Average total loans | $145,091,800 | 2,853 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 6,702 |
| Cost of funding earning assets | 1.0633% | 5,633 |
| Net interest margin | 3.3945% | 5,699 |
| Noninterest income to average assets | 0.8259% | 2,097 |
| Noninterest expense to average assets | 3.4241% | 2,224 |
| Loan and lease loss provision to assets | 0.3954% | 3,531 |
| Net operating income to assets | 0.0946% | 5,788 |
| Return on assets (ROA) | 0.3416% | 5,175 |
| Pretax return on assets | 0.3390% | 5,400 |
| Return on Equity (ROE) | 4.5365% | 4,537 |
| Retained earnings to average equity (ytd only) | 3.5483% | 3,953 |
| Net charge-offs to loans | 0.4593% | 3,455 |
| Credit loss provision to net charge-offs | 152.6946% | 2,535 |
| Earnings coverage of net charge-offs (x) | 1.8822% | 4,297 |
| Efficiency ratio | 87.5396% | 1,490 |
| Assets per employee ($millions) | 3.2211% | 5,629 |
| Cash dividends to net income (ytd only)* | 21.7858% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 4,345 |
| Loan loss allowance to noncurrent loans | 27.4671% | 6,486 |
| Noncurrent assets plus other real estate owned to assets | 3.2117% | 2,225 |
| Noncurrent loans to loans | 5.1801% | 1,317 |
| Net loans and leases to total assets | 52.9534% | 5,987 |
| Net loans and leases to deposits | 57.7117% | 6,480 |
| Net loans and leases to core deposits | 61.9449% | 6,470 |
| Total domestic deposits to total assets | 91.7549% | 242 |
| Equity capital to assets | 7.2864% | 7,234 |
| Core capital (leverage) ratio | 8.0193% | 6,325 |
| Tier 1 risk-based capital ratio | 12.8069% | 4,730 |
| Total risk-based capital ratio | 14.0574% | 4,709 |
| Memoranda: | ||
| Average total assets | $257,972,500 | 2,515 |
| Average earning assets | $234,494,500 | 2,522 |
| Average equity | $19,427,000 | 3,265 |
| Average total loans | $145,420,500 | 2,886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 6,420 |
| Cost of funding earning assets | 1.0980% | 5,680 |
| Net interest margin | 3.5153% | 5,190 |
| Noninterest income to average assets | 0.8378% | 1,929 |
| Noninterest expense to average assets | 3.5670% | 1,863 |
| Loan and lease loss provision to assets | 0.2837% | 4,125 |
| Net operating income to assets | 0.1757% | 5,649 |
| Return on assets (ROA) | 0.3546% | 5,114 |
| Pretax return on assets | 0.3476% | 5,379 |
| Return on Equity (ROE) | 4.6557% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.1659% | 4,095 |
| Net charge-offs to loans | 0.2461% | 4,118 |
| Credit loss provision to net charge-offs | 201.1173% | 1,946 |
| Earnings coverage of net charge-offs (x) | 3.2067% | 3,408 |
| Efficiency ratio | 88.7451% | 1,442 |
| Assets per employee ($millions) | 2.9709% | 6,193 |
| Cash dividends to net income (ytd only)* | 32.0000% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 4,607 |
| Loan loss allowance to noncurrent loans | 44.0328% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 2.1006% | 3,378 |
| Noncurrent loans to loans | 3.0969% | 2,592 |
| Net loans and leases to total assets | 56.1971% | 5,676 |
| Net loans and leases to deposits | 61.5281% | 6,272 |
| Net loans and leases to core deposits | 67.0709% | 6,145 |
| Total domestic deposits to total assets | 91.3357% | 377 |
| Equity capital to assets | 7.6835% | 7,008 |
| Core capital (leverage) ratio | 8.0143% | 6,255 |
| Tier 1 risk-based capital ratio | 12.4376% | 4,916 |
| Total risk-based capital ratio | 13.6331% | 4,942 |
| Memoranda: | ||
| Average total assets | $253,772,000 | 2,564 |
| Average earning assets | $229,682,670 | 2,586 |
| Average equity | $19,331,000 | 3,266 |
| Average total loans | $145,445,330 | 2,911 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 6,318 |
| Cost of funding earning assets | 1.1389% | 5,712 |
| Net interest margin | 3.5396% | 4,995 |
| Noninterest income to average assets | 0.7607% | 2,227 |
| Noninterest expense to average assets | 3.4431% | 2,124 |
| Loan and lease loss provision to assets | 0.2847% | 3,751 |
| Net operating income to assets | 0.2499% | 5,494 |
| Return on assets (ROA) | 0.3559% | 5,175 |
| Pretax return on assets | 0.3290% | 5,525 |
| Return on Equity (ROE) | 4.6921% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.6921% | 3,327 |
| Net charge-offs to loans | 0.2366% | 3,519 |
| Credit loss provision to net charge-offs | 209.3023% | 1,779 |
| Earnings coverage of net charge-offs (x) | 3.7326% | 2,808 |
| Efficiency ratio | 87.1497% | 1,670 |
| Assets per employee ($millions) | 2.8055% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3106% | 4,873 |
| Loan loss allowance to noncurrent loans | 45.7349% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 2.1441% | 3,331 |
| Noncurrent loans to loans | 2.8657% | 2,812 |
| Net loans and leases to total assets | 55.3710% | 5,834 |
| Net loans and leases to deposits | 60.5471% | 6,409 |
| Net loans and leases to core deposits | 66.7978% | 6,227 |
| Total domestic deposits to total assets | 91.4512% | 390 |
| Equity capital to assets | 7.5198% | 7,059 |
| Core capital (leverage) ratio | 8.1911% | 5,921 |
| Tier 1 risk-based capital ratio | 12.4982% | 4,754 |
| Total risk-based capital ratio | 13.6513% | 4,782 |
| Memoranda: | ||
| Average total assets | $252,909,500 | 2,624 |
| Average earning assets | $227,937,500 | 2,656 |
| Average equity | $19,181,000 | 3,307 |
| Average total loans | $145,384,500 | 2,975 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 5,809 |
| Cost of funding earning assets | 1.3214% | 6,237 |
| Net interest margin | 3.8448% | 3,511 |
| Noninterest income to average assets | 0.8751% | 2,049 |
| Noninterest expense to average assets | 3.7303% | 1,841 |
| Loan and lease loss provision to assets | 0.5338% | 3,703 |
| Net operating income to assets | 0.1119% | 5,178 |
| Return on assets (ROA) | 0.3430% | 4,453 |
| Pretax return on assets | 0.3084% | 4,734 |
| Return on Equity (ROE) | 4.4565% | 3,905 |
| Retained earnings to average equity (ytd only) | 2.4527% | 3,424 |
| Net charge-offs to loans | 0.9447% | 2,505 |
| Credit loss provision to net charge-offs | 91.9263% | 5,939 |
| Earnings coverage of net charge-offs (x) | 1.0524% | 5,061 |
| Efficiency ratio | 85.9240% | 2,122 |
| Assets per employee ($millions) | 2.6636% | 6,923 |
| Cash dividends to net income (ytd only)* | 44.9640% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 5,134 |
| Loan loss allowance to noncurrent loans | 47.6744% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.0528% | 3,327 |
| Noncurrent loans to loans | 2.5926% | 2,965 |
| Net loans and leases to total assets | 58.1927% | 5,633 |
| Net loans and leases to deposits | 63.7625% | 6,300 |
| Net loans and leases to core deposits | 73.9873% | 6,531 |
| Total domestic deposits to total assets | 91.2649% | 446 |
| Equity capital to assets | 7.6512% | 6,899 |
| Core capital (leverage) ratio | 8.1629% | 5,879 |
| Tier 1 risk-based capital ratio | 12.4321% | 4,570 |
| Total risk-based capital ratio | 13.5344% | 4,664 |
| Memoranda: | ||
| Average total assets | $243,172,400 | 2,682 |
| Average earning assets | $219,231,000 | 2,712 |
| Average equity | $18,714,200 | 3,392 |
| Average total loans | $149,469,200 | 2,918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 5,662 |
| Cost of funding earning assets | 1.3401% | 6,429 |
| Net interest margin | 3.9138% | 3,184 |
| Noninterest income to average assets | 0.9315% | 1,848 |
| Noninterest expense to average assets | 3.8087% | 1,577 |
| Loan and lease loss provision to assets | 0.3856% | 4,008 |
| Net operating income to assets | 0.2327% | 5,050 |
| Return on assets (ROA) | 0.5051% | 4,049 |
| Pretax return on assets | 0.5735% | 4,287 |
| Return on Equity (ROE) | 6.5541% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.4957% | 2,760 |
| Net charge-offs to loans | 0.3095% | 4,103 |
| Credit loss provision to net charge-offs | 200.5731% | 2,224 |
| Earnings coverage of net charge-offs (x) | 3.3782% | 3,557 |
| Efficiency ratio | 85.4319% | 2,134 |
| Assets per employee ($millions) | 2.6723% | 6,909 |
| Cash dividends to net income (ytd only)* | 31.4066% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,204 |
| Loan loss allowance to noncurrent loans | 42.3005% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 2,498 |
| Noncurrent loans to loans | 3.6595% | 2,042 |
| Net loans and leases to total assets | 58.0653% | 5,879 |
| Net loans and leases to deposits | 63.8155% | 6,505 |
| Net loans and leases to core deposits | 72.5071% | 6,813 |
| Total domestic deposits to total assets | 90.9893% | 422 |
| Equity capital to assets | 7.4833% | 7,307 |
| Core capital (leverage) ratio | 8.5787% | 5,331 |
| Tier 1 risk-based capital ratio | 12.5838% | 4,483 |
| Total risk-based capital ratio | 13.8357% | 4,435 |
| Memoranda: | ||
| Average total assets | $242,037,250 | 2,713 |
| Average earning assets | $218,092,750 | 2,745 |
| Average equity | $18,654,500 | 3,427 |
| Average total loans | $150,347,750 | 2,942 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 5,385 |
| Cost of funding earning assets | 1.3550% | 6,631 |
| Net interest margin | 3.9978% | 2,706 |
| Noninterest income to average assets | 0.9338% | 1,824 |
| Noninterest expense to average assets | 3.8695% | 1,540 |
| Loan and lease loss provision to assets | 0.1251% | 5,861 |
| Net operating income to assets | 0.4678% | 4,225 |
| Return on assets (ROA) | 0.5945% | 3,804 |
| Pretax return on assets | 0.7129% | 3,955 |
| Return on Equity (ROE) | 7.6366% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.5519% | 2,761 |
| Net charge-offs to loans | 0.2810% | 3,789 |
| Credit loss provision to net charge-offs | 70.4225% | 5,409 |
| Earnings coverage of net charge-offs (x) | 3.8592% | 3,291 |
| Efficiency ratio | 84.9533% | 2,367 |
| Assets per employee ($millions) | 2.4661% | 7,314 |
| Cash dividends to net income (ytd only)* | 40.3927% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,652 |
| Loan loss allowance to noncurrent loans | 38.2948% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 2.6044% | 2,473 |
| Noncurrent loans to loans | 3.2481% | 2,187 |
| Net loans and leases to total assets | 61.5683% | 5,428 |
| Net loans and leases to deposits | 70.7185% | 5,909 |
| Net loans and leases to core deposits | 80.6873% | 6,345 |
| Total domestic deposits to total assets | 87.0611% | 2,222 |
| Equity capital to assets | 7.7046% | 7,072 |
| Core capital (leverage) ratio | 8.4929% | 5,464 |
| Tier 1 risk-based capital ratio | 12.3865% | 4,613 |
| Total risk-based capital ratio | 13.5177% | 4,621 |
| Memoranda: | ||
| Average total assets | $239,874,000 | 2,753 |
| Average earning assets | $217,268,670 | 2,782 |
| Average equity | $18,673,330 | 3,441 |
| Average total loans | $151,604,670 | 2,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4557% | 5,145 |
| Cost of funding earning assets | 1.3727% | 6,805 |
| Net interest margin | 4.0831% | 2,346 |
| Noninterest income to average assets | 0.9475% | 1,655 |
| Noninterest expense to average assets | 3.7734% | 1,519 |
| Loan and lease loss provision to assets | 0.0749% | 6,021 |
| Net operating income to assets | 0.6077% | 3,984 |
| Return on assets (ROA) | 0.8393% | 3,103 |
| Pretax return on assets | 1.0991% | 2,990 |
| Return on Equity (ROE) | 10.7263% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.7263% | 1,026 |
| Net charge-offs to loans | 0.4187% | 2,434 |
| Credit loss provision to net charge-offs | 28.1250% | 4,976 |
| Earnings coverage of net charge-offs (x) | 3.2625% | 3,223 |
| Efficiency ratio | 81.2769% | 2,643 |
| Assets per employee ($millions) | 2.3801% | 7,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 4,922 |
| Loan loss allowance to noncurrent loans | 42.0868% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 2.5069% | 2,294 |
| Noncurrent loans to loans | 2.8074% | 2,331 |
| Net loans and leases to total assets | 63.9967% | 4,988 |
| Net loans and leases to deposits | 73.9838% | 5,480 |
| Net loans and leases to core deposits | 83.8678% | 6,065 |
| Total domestic deposits to total assets | 86.5009% | 2,443 |
| Equity capital to assets | 8.0588% | 6,728 |
| Core capital (leverage) ratio | 8.7735% | 5,030 |
| Tier 1 risk-based capital ratio | 12.4750% | 4,566 |
| Total risk-based capital ratio | 13.5560% | 4,619 |
| Memoranda: | ||
| Average total assets | $240,206,500 | 2,763 |
| Average earning assets | $217,386,000 | 2,791 |
| Average equity | $18,795,000 | 3,441 |
| Average total loans | $152,841,000 | 2,959 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3100% | 3,909 |
| Cost of funding earning assets | 2.0544% | 6,218 |
| Net interest margin | 4.2556% | 2,102 |
| Noninterest income to average assets | 0.9790% | 1,651 |
| Noninterest expense to average assets | 3.5856% | 2,191 |
| Loan and lease loss provision to assets | 0.4424% | 3,076 |
| Net operating income to assets | 0.6382% | 4,154 |
| Return on assets (ROA) | 0.6857% | 3,794 |
| Pretax return on assets | 0.8729% | 3,818 |
| Return on Equity (ROE) | 8.5741% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.7634% | 2,176 |
| Net charge-offs to loans | 0.3312% | 3,185 |
| Credit loss provision to net charge-offs | 208.4942% | 2,319 |
| Earnings coverage of net charge-offs (x) | 5.9151% | 3,489 |
| Efficiency ratio | 74.0713% | 3,560 |
| Assets per employee ($millions) | 2.4236% | 7,357 |
| Cash dividends to net income (ytd only)* | 44.4444% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,109 |
| Loan loss allowance to noncurrent loans | 41.4613% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.5439% | 1,906 |
| Noncurrent loans to loans | 3.0219% | 1,773 |
| Net loans and leases to total assets | 61.7549% | 5,657 |
| Net loans and leases to deposits | 77.2709% | 5,436 |
| Net loans and leases to core deposits | 86.4551% | 6,104 |
| Total domestic deposits to total assets | 79.9201% | 5,051 |
| Equity capital to assets | 7.5990% | 7,303 |
| Core capital (leverage) ratio | 8.4709% | 5,622 |
| Tier 1 risk-based capital ratio | 12.0468% | 4,786 |
| Total risk-based capital ratio | 13.1736% | 4,775 |
| Memoranda: | ||
| Average total assets | $244,116,000 | 2,613 |
| Average earning assets | $221,520,600 | 2,642 |
| Average equity | $19,524,000 | 3,304 |
| Average total loans | $156,422,400 | 2,826 |