Home > Jonesboro State Bank > Performance and Condition Ratios
Jonesboro State 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 | 6.2376% | 469 |
| Cost of funding earning assets | 2.4779% | 383 |
| Net interest margin | 3.7597% | 1,628 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.0020% | 4,501 |
| Loan and lease loss provision to assets | 1.6900% | 36 |
| Net operating income to assets | 0.8167% | 2,816 |
| Return on assets (ROA) | 0.7520% | 3,016 |
| Pretax return on assets | 0.9238% | 2,899 |
| Return on Equity (ROE) | 22.4000% | 438 |
| Retained earnings to average equity (ytd only) | -20.5120% | 4,525 |
| Net charge-offs to loans | 6.8457% | 13 |
| Credit loss provision to net charge-offs | 104.4112% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.6636% | 2,750 |
| Efficiency ratio | 27.1034% | 4,508 |
| Assets per employee ($millions) | 39.6426% | 37 |
| Cash dividends to net income (ytd only)* | 191.5709% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6719% | 24 |
| Loan loss allowance to noncurrent loans | 587.6380% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,011 |
| Noncurrent loans to loans | 1.1354% | 634 |
| Net loans and leases to total assets | 19.7700% | 4,406 |
| Net loans and leases to deposits | 20.6067% | 4,423 |
| Net loans and leases to core deposits | 112.1311% | 882 |
| Total domestic deposits to total assets | 95.9600% | 40 |
| Equity capital to assets | 3.9065% | 4,501 |
| Core capital (leverage) ratio | 8.7835% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4128% | 657 |
| Memoranda: | ||
| Average total assets | $694,122,000 | 1,321 |
| Average earning assets | $671,573,400 | 1,278 |
| Average equity | $23,303,400 | 2,605 |
| Average total loans | $164,248,600 | 2,561 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2344% | 399 |
| Cost of funding earning assets | 2.4407% | 305 |
| Net interest margin | 3.7938% | 1,612 |
| Noninterest income to average assets | 1.2100% | 494 |
| Noninterest expense to average assets | 0.9438% | 4,525 |
| Loan and lease loss provision to assets | 1.7900% | 36 |
| Net operating income to assets | 1.7170% | 773 |
| Return on assets (ROA) | 1.7157% | 762 |
| Pretax return on assets | 2.1457% | 600 |
| Return on Equity (ROE) | 53.5300% | 64 |
| Retained earnings to average equity (ytd only) | 22.9144% | 170 |
| Net charge-offs to loans | 6.2573% | 13 |
| Credit loss provision to net charge-offs | 117.1970% | 1,500 |
| Earnings coverage of net charge-offs (x) | 2.5813% | 2,473 |
| Efficiency ratio | 19.3537% | 4,552 |
| Assets per employee ($millions) | 34.3167% | 41 |
| Cash dividends to net income (ytd only)* | 57.1951% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6804% | 24 |
| Loan loss allowance to noncurrent loans | 576.9463% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 1,844 |
| Noncurrent loans to loans | 1.1579% | 683 |
| Net loans and leases to total assets | 23.3800% | 4,403 |
| Net loans and leases to deposits | 24.1765% | 4,430 |
| Net loans and leases to core deposits | 135.4492% | 270 |
| Total domestic deposits to total assets | 96.7100% | 56 |
| Equity capital to assets | 2.5807% | 4,516 |
| Core capital (leverage) ratio | 10.1051% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7294% | 504 |
| Memoranda: | ||
| Average total assets | $679,350,000 | 1,334 |
| Average earning assets | $656,146,000 | 1,294 |
| Average equity | $21,773,250 | 2,702 |
| Average total loans | $165,412,250 | 2,564 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 424 |
| Cost of funding earning assets | 2.3347% | 256 |
| Net interest margin | 3.7108% | 1,798 |
| Noninterest income to average assets | 1.2300% | 425 |
| Noninterest expense to average assets | 0.9743% | 4,554 |
| Loan and lease loss provision to assets | 1.9000% | 29 |
| Net operating income to assets | 1.5088% | 1,083 |
| Return on assets (ROA) | 1.5069% | 1,091 |
| Pretax return on assets | 1.9441% | 814 |
| Return on Equity (ROE) | 44.1100% | 86 |
| Retained earnings to average equity (ytd only) | 22.4932% | 173 |
| Net charge-offs to loans | 6.2904% | 13 |
| Credit loss provision to net charge-offs | 125.2435% | 1,304 |
| Earnings coverage of net charge-offs (x) | 2.5358% | 2,308 |
| Efficiency ratio | 20.2120% | 4,575 |
| Assets per employee ($millions) | 36.0292% | 37 |
| Cash dividends to net income (ytd only)* | 49.0100% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6746% | 25 |
| Loan loss allowance to noncurrent loans | 873.8931% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 2,238 |
| Noncurrent loans to loans | 0.7638% | 993 |
| Net loans and leases to total assets | 23.3800% | 4,427 |
| Net loans and leases to deposits | 24.4120% | 4,450 |
| Net loans and leases to core deposits | 130.8686% | 316 |
| Total domestic deposits to total assets | 95.7800% | 64 |
| Equity capital to assets | 4.0356% | 4,498 |
| Core capital (leverage) ratio | 10.1432% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4318% | 526 |
| Memoranda: | ||
| Average total assets | $677,022,333 | 1,335 |
| Average earning assets | $654,142,667 | 1,290 |
| Average equity | $23,127,000 | 2,618 |
| Average total loans | $163,232,667 | 2,571 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8198% | 406 |
| Cost of funding earning assets | 2.2121% | 190 |
| Net interest margin | 3.6077% | 2,111 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 1.0932% | 4,605 |
| Loan and lease loss provision to assets | 1.6000% | 49 |
| Net operating income to assets | 1.3489% | 1,549 |
| Return on assets (ROA) | 1.3451% | 1,526 |
| Pretax return on assets | 1.6772% | 1,324 |
| Return on Equity (ROE) | 43.3800% | 99 |
| Retained earnings to average equity (ytd only) | 43.3768% | 51 |
| Net charge-offs to loans | 6.3762% | 14 |
| Credit loss provision to net charge-offs | 106.2697% | 1,085 |
| Earnings coverage of net charge-offs (x) | 2.1790% | 1,937 |
| Efficiency ratio | 24.9796% | 4,631 |
| Assets per employee ($millions) | 35.9594% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3829% | 21 |
| Loan loss allowance to noncurrent loans | 748.8017% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,128 |
| Noncurrent loans to loans | 0.8524% | 897 |
| Net loans and leases to total assets | 22.1300% | 4,494 |
| Net loans and leases to deposits | 23.1729% | 4,516 |
| Net loans and leases to core deposits | 118.6240% | 475 |
| Total domestic deposits to total assets | 95.5200% | 69 |
| Equity capital to assets | 4.3457% | 4,518 |
| Core capital (leverage) ratio | 10.4480% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9063% | 574 |
| Memoranda: | ||
| Average total assets | $673,256,000 | 1,355 |
| Average earning assets | $649,505,500 | 1,315 |
| Average equity | $20,877,500 | 2,808 |
| Average total loans | $159,091,000 | 2,630 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 211 |
| Cost of funding earning assets | 1.1364% | 90 |
| Net interest margin | 4.1052% | 646 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 1.2528% | 4,581 |
| Loan and lease loss provision to assets | 1.3500% | 32 |
| Net operating income to assets | 1.8965% | 359 |
| Return on assets (ROA) | 1.7895% | 434 |
| Pretax return on assets | 2.1879% | 329 |
| Return on Equity (ROE) | 42.3900% | 48 |
| Retained earnings to average equity (ytd only) | 42.3867% | 16 |
| Net charge-offs to loans | 2.6457% | 22 |
| Credit loss provision to net charge-offs | 203.8170% | 1,107 |
| Earnings coverage of net charge-offs (x) | 5.5291% | 2,373 |
| Efficiency ratio | 25.4397% | 4,674 |
| Assets per employee ($millions) | 34.9096% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5806% | 19 |
| Loan loss allowance to noncurrent loans | 513.6024% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 1,644 |
| Noncurrent loans to loans | 1.2813% | 538 |
| Net loans and leases to total assets | 22.0600% | 4,531 |
| Net loans and leases to deposits | 22.4956% | 4,552 |
| Net loans and leases to core deposits | 100.1266% | 1,000 |
| Total domestic deposits to total assets | 98.0700% | 32 |
| Equity capital to assets | 1.8188% | 4,654 |
| Core capital (leverage) ratio | 8.9626% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4761% | 781 |
| Memoranda: | ||
| Average total assets | $595,690,000 | 1,495 |
| Average earning assets | $577,857,000 | 1,429 |
| Average equity | $25,149,400 | 2,573 |
| Average total loans | $149,526,000 | 2,641 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7293% | 1,956 |
| Cost of funding earning assets | 0.8197% | 143 |
| Net interest margin | 2.9096% | 3,474 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 0.7496% | 4,707 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.6432% | 136 |
| Return on assets (ROA) | 2.6183% | 134 |
| Pretax return on assets | 3.2333% | 118 |
| Return on Equity (ROE) | 46.8600% | 34 |
| Retained earnings to average equity (ytd only) | 46.8590% | 15 |
| Net charge-offs to loans | 0.0064% | 1,919 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2,033.5714% | 55 |
| Efficiency ratio | 18.6757% | 4,730 |
| Assets per employee ($millions) | 32.5492% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6432% | 4,340 |
| Loan loss allowance to noncurrent loans | 88.6148% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 2,430 |
| Noncurrent loans to loans | 0.7258% | 1,123 |
| Net loans and leases to total assets | 23.3300% | 4,556 |
| Net loans and leases to deposits | 24.2502% | 4,580 |
| Net loans and leases to core deposits | 98.8985% | 862 |
| Total domestic deposits to total assets | 96.2100% | 116 |
| Equity capital to assets | 1.7460% | 4,667 |
| Core capital (leverage) ratio | 9.8690% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0567% | 725 |
| Memoranda: | ||
| Average total assets | $581,483,250 | 1,537 |
| Average earning assets | $566,528,500 | 1,465 |
| Average equity | $32,491,000 | 2,255 |
| Average total loans | $144,772,500 | 2,687 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 1,938 |
| Cost of funding earning assets | 0.6648% | 191 |
| Net interest margin | 2.9040% | 3,158 |
| Noninterest income to average assets | 1.1810% | 487 |
| Noninterest expense to average assets | 0.7537% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.6427% | 98 |
| Return on assets (ROA) | 2.6045% | 96 |
| Pretax return on assets | 3.2198% | 79 |
| Return on Equity (ROE) | 37.3194% | 32 |
| Retained earnings to average equity (ytd only) | 37.3194% | 15 |
| Net charge-offs to loans | -0.0138% | 3,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.7467% | 4,757 |
| Assets per employee ($millions) | 31.3112% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6282% | 4,434 |
| Loan loss allowance to noncurrent loans | 151.9169% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,977 |
| Noncurrent loans to loans | 0.4135% | 1,874 |
| Net loans and leases to total assets | 25.2874% | 4,573 |
| Net loans and leases to deposits | 27.2958% | 4,595 |
| Net loans and leases to core deposits | 92.1011% | 1,013 |
| Total domestic deposits to total assets | 92.6423% | 602 |
| Equity capital to assets | 3.8942% | 4,637 |
| Core capital (leverage) ratio | 9.7420% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8949% | 870 |
| Memoranda: | ||
| Average total assets | $569,166,333 | 1,580 |
| Average earning assets | $556,541,000 | 1,502 |
| Average equity | $39,722,000 | 2,005 |
| Average total loans | $144,623,333 | 2,700 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 1,992 |
| Cost of funding earning assets | 0.6041% | 258 |
| Net interest margin | 2.8298% | 3,046 |
| Noninterest income to average assets | 1.7595% | 289 |
| Noninterest expense to average assets | 0.7226% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.1426% | 68 |
| Return on assets (ROA) | 3.1278% | 70 |
| Pretax return on assets | 3.7944% | 64 |
| Return on Equity (ROE) | 36.2504% | 36 |
| Retained earnings to average equity (ytd only) | 36.2504% | 24 |
| Net charge-offs to loans | -0.0227% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.9347% | 4,784 |
| Assets per employee ($millions) | 30.1694% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 4,475 |
| Loan loss allowance to noncurrent loans | 161.6695% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 3,092 |
| Noncurrent loans to loans | 0.3951% | 2,075 |
| Net loans and leases to total assets | 25.7501% | 4,575 |
| Net loans and leases to deposits | 28.8101% | 4,579 |
| Net loans and leases to core deposits | 86.1619% | 1,121 |
| Total domestic deposits to total assets | 89.3787% | 1,881 |
| Equity capital to assets | 6.7730% | 4,307 |
| Core capital (leverage) ratio | 10.0216% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5704% | 958 |
| Memoranda: | ||
| Average total assets | $556,293,500 | 1,611 |
| Average earning assets | $545,621,000 | 1,544 |
| Average equity | $47,999,500 | 1,791 |
| Average total loans | $141,240,500 | 2,739 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 3,105 |
| Cost of funding earning assets | 0.5215% | 839 |
| Net interest margin | 2.8117% | 3,633 |
| Noninterest income to average assets | 0.4986% | 2,571 |
| Noninterest expense to average assets | 1.0520% | 4,747 |
| Loan and lease loss provision to assets | -0.0409% | 4,314 |
| Net operating income to assets | 1.8439% | 461 |
| Return on assets (ROA) | 2.1804% | 267 |
| Pretax return on assets | 2.6489% | 215 |
| Return on Equity (ROE) | 19.7203% | 322 |
| Retained earnings to average equity (ytd only) | 12.6060% | 456 |
| Net charge-offs to loans | 0.1171% | 771 |
| Credit loss provision to net charge-offs | -204.0816% | 3,516 |
| Earnings coverage of net charge-offs (x) | 109.6122% | 832 |
| Efficiency ratio | 32.3722% | 4,777 |
| Assets per employee ($millions) | 26.9675% | 61 |
| Cash dividends to net income (ytd only)* | 36.0762% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 4,412 |
| Loan loss allowance to noncurrent loans | 120.4866% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 2,928 |
| Noncurrent loans to loans | 0.5831% | 1,680 |
| Net loans and leases to total assets | 24.6569% | 4,654 |
| Net loans and leases to deposits | 28.4972% | 4,653 |
| Net loans and leases to core deposits | 79.6329% | 1,630 |
| Total domestic deposits to total assets | 86.5240% | 2,705 |
| Equity capital to assets | 10.5972% | 2,090 |
| Core capital (leverage) ratio | 9.8332% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8869% | 1,071 |
| Memoranda: | ||
| Average total assets | $488,800,600 | 1,723 |
| Average earning assets | $478,246,800 | 1,664 |
| Average equity | $54,045,800 | 1,652 |
| Average total loans | $83,705,000 | 3,418 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3563% | 3,228 |
| Cost of funding earning assets | 0.5189% | 960 |
| Net interest margin | 2.8374% | 3,692 |
| Noninterest income to average assets | 0.4449% | 2,864 |
| Noninterest expense to average assets | 1.1791% | 4,793 |
| Loan and lease loss provision to assets | -0.0561% | 4,477 |
| Net operating income to assets | 1.7361% | 760 |
| Return on assets (ROA) | 2.2000% | 343 |
| Pretax return on assets | 2.6522% | 266 |
| Return on Equity (ROE) | 19.6660% | 452 |
| Retained earnings to average equity (ytd only) | 10.0420% | 1,299 |
| Net charge-offs to loans | 0.1855% | 457 |
| Credit loss provision to net charge-offs | -202.0202% | 3,395 |
| Earnings coverage of net charge-offs (x) | 73.4949% | 1,035 |
| Efficiency ratio | 36.6588% | 4,800 |
| Assets per employee ($millions) | 24.9222% | 69 |
| Cash dividends to net income (ytd only)* | 48.9373% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,709 |
| Loan loss allowance to noncurrent loans | 128.2401% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 3,129 |
| Noncurrent loans to loans | 0.8107% | 1,405 |
| Net loans and leases to total assets | 17.9505% | 4,811 |
| Net loans and leases to deposits | 20.8239% | 4,818 |
| Net loans and leases to core deposits | 54.0068% | 3,922 |
| Total domestic deposits to total assets | 86.2011% | 2,669 |
| Equity capital to assets | 10.7996% | 2,165 |
| Core capital (leverage) ratio | 9.7908% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8321% | 614 |
| Memoranda: | ||
| Average total assets | $476,163,250 | 1,777 |
| Average earning assets | $465,104,750 | 1,714 |
| Average equity | $53,268,250 | 1,695 |
| Average total loans | $71,149,250 | 3,682 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 3,296 |
| Cost of funding earning assets | 0.5005% | 1,201 |
| Net interest margin | 2.8547% | 3,668 |
| Noninterest income to average assets | 0.5735% | 2,321 |
| Noninterest expense to average assets | 1.2207% | 4,818 |
| Loan and lease loss provision to assets | 0.4237% | 137 |
| Net operating income to assets | 1.4107% | 1,535 |
| Return on assets (ROA) | 2.1176% | 413 |
| Pretax return on assets | 2.5648% | 319 |
| Return on Equity (ROE) | 18.6997% | 571 |
| Retained earnings to average equity (ytd only) | 16.8912% | 276 |
| Net charge-offs to loans | 0.1483% | 554 |
| Credit loss provision to net charge-offs | 2,068.7500% | 285 |
| Earnings coverage of net charge-offs (x) | 104.3333% | 730 |
| Efficiency ratio | 36.3579% | 4,832 |
| Assets per employee ($millions) | 26.0625% | 61 |
| Cash dividends to net income (ytd only)* | 9.6716% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9308% | 164 |
| Loan loss allowance to noncurrent loans | 250.4587% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,084 |
| Noncurrent loans to loans | 1.1702% | 1,034 |
| Net loans and leases to total assets | 14.6078% | 4,868 |
| Net loans and leases to deposits | 16.7431% | 4,869 |
| Net loans and leases to core deposits | 41.2004% | 4,549 |
| Total domestic deposits to total assets | 87.2466% | 2,196 |
| Equity capital to assets | 11.6142% | 1,564 |
| Core capital (leverage) ratio | 10.1365% | 2,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1709% | 472 |
| Memoranda: | ||
| Average total assets | $468,736,333 | 1,789 |
| Average earning assets | $457,143,000 | 1,734 |
| Average equity | $53,081,000 | 1,692 |
| Average total loans | $64,728,000 | 3,821 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 3,540 |
| Cost of funding earning assets | 0.4775% | 1,541 |
| Net interest margin | 2.7853% | 3,798 |
| Noninterest income to average assets | 0.8404% | 1,487 |
| Noninterest expense to average assets | 1.2768% | 4,831 |
| Loan and lease loss provision to assets | 0.2608% | 388 |
| Net operating income to assets | 1.6558% | 1,013 |
| Return on assets (ROA) | 2.7661% | 210 |
| Pretax return on assets | 3.3984% | 159 |
| Return on Equity (ROE) | 24.7712% | 266 |
| Retained earnings to average equity (ytd only) | 23.5602% | 169 |
| Net charge-offs to loans | -0.0067% | 3,512 |
| Credit loss provision to net charge-offs | -29,700.0000% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8128% | 4,850 |
| Assets per employee ($millions) | 29.5334% | 51 |
| Cash dividends to net income (ytd only)* | 4.8889% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4408% | 285 |
| Loan loss allowance to noncurrent loans | 195.2986% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,330 |
| Noncurrent loans to loans | 1.2498% | 1,044 |
| Net loans and leases to total assets | 13.0012% | 4,909 |
| Net loans and leases to deposits | 14.5626% | 4,909 |
| Net loans and leases to core deposits | 36.1930% | 4,715 |
| Total domestic deposits to total assets | 89.2780% | 1,184 |
| Equity capital to assets | 10.1514% | 2,549 |
| Core capital (leverage) ratio | 10.4665% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8918% | 414 |
| Memoranda: | ||
| Average total assets | $455,511,000 | 1,825 |
| Average earning assets | $445,620,500 | 1,758 |
| Average equity | $50,865,500 | 1,739 |
| Average total loans | $59,832,000 | 3,921 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 4,275 |
| Cost of funding earning assets | 0.8254% | 1,105 |
| Net interest margin | 2.5171% | 4,570 |
| Noninterest income to average assets | 0.1972% | 4,295 |
| Noninterest expense to average assets | 1.8861% | 4,342 |
| Loan and lease loss provision to assets | 0.1526% | 2,461 |
| Net operating income to assets | 0.5099% | 4,009 |
| Return on assets (ROA) | 2.4371% | 151 |
| Pretax return on assets | 2.9747% | 126 |
| Return on Equity (ROE) | 19.8003% | 243 |
| Retained earnings to average equity (ytd only) | 13.5415% | 212 |
| Net charge-offs to loans | -0.1380% | 4,854 |
| Credit loss provision to net charge-offs | -1,026.3158% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8199% | 1,833 |
| Assets per employee ($millions) | 25.7934% | 57 |
| Cash dividends to net income (ytd only)* | 31.6099% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1855% | 424 |
| Loan loss allowance to noncurrent loans | 156.2421% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 3,375 |
| Noncurrent loans to loans | 1.3988% | 969 |
| Net loans and leases to total assets | 12.6464% | 4,930 |
| Net loans and leases to deposits | 14.6429% | 4,934 |
| Net loans and leases to core deposits | 36.5091% | 4,767 |
| Total domestic deposits to total assets | 86.3654% | 2,200 |
| Equity capital to assets | 12.2608% | 1,444 |
| Core capital (leverage) ratio | 10.5898% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0221% | 388 |
| Memoranda: | ||
| Average total assets | $383,330,200 | 1,915 |
| Average earning assets | $375,556,800 | 1,851 |
| Average equity | $47,181,000 | 1,786 |
| Average total loans | $41,296,800 | 4,282 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3898% | 4,358 |
| Cost of funding earning assets | 0.9600% | 878 |
| Net interest margin | 2.4298% | 4,706 |
| Noninterest income to average assets | 0.1919% | 4,325 |
| Noninterest expense to average assets | 2.1338% | 3,866 |
| Loan and lease loss provision to assets | 0.0901% | 3,185 |
| Net operating income to assets | 0.2786% | 4,477 |
| Return on assets (ROA) | 2.1926% | 224 |
| Pretax return on assets | 2.7385% | 146 |
| Return on Equity (ROE) | 17.7936% | 379 |
| Retained earnings to average equity (ytd only) | 16.4438% | 140 |
| Net charge-offs to loans | -0.1816% | 4,913 |
| Credit loss provision to net charge-offs | -490.1961% | 3,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0268% | 669 |
| Assets per employee ($millions) | 25.4080% | 55 |
| Cash dividends to net income (ytd only)* | 7.5860% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 477 |
| Loan loss allowance to noncurrent loans | 103.5755% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 3,366 |
| Noncurrent loans to loans | 1.9507% | 627 |
| Net loans and leases to total assets | 10.7122% | 4,973 |
| Net loans and leases to deposits | 12.9416% | 4,976 |
| Net loans and leases to core deposits | 30.7427% | 4,898 |
| Total domestic deposits to total assets | 82.7731% | 3,195 |
| Equity capital to assets | 12.6301% | 1,365 |
| Core capital (leverage) ratio | 11.2638% | 1,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4112% | 628 |
| Memoranda: | ||
| Average total assets | $369,540,750 | 1,942 |
| Average earning assets | $361,663,250 | 1,877 |
| Average equity | $45,535,750 | 1,823 |
| Average total loans | $37,448,000 | 4,386 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 4,451 |
| Cost of funding earning assets | 1.1991% | 508 |
| Net interest margin | 2.2706% | 4,845 |
| Noninterest income to average assets | 0.2296% | 4,113 |
| Noninterest expense to average assets | 2.4674% | 3,052 |
| Loan and lease loss provision to assets | 0.0560% | 3,599 |
| Net operating income to assets | -0.0507% | 4,810 |
| Return on assets (ROA) | 1.2273% | 1,682 |
| Pretax return on assets | 1.5061% | 1,442 |
| Return on Equity (ROE) | 10.0552% | 1,961 |
| Retained earnings to average equity (ytd only) | 8.6469% | 1,120 |
| Net charge-offs to loans | -0.1823% | 4,929 |
| Credit loss provision to net charge-offs | -312.5000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6394% | 176 |
| Assets per employee ($millions) | 23.1814% | 63 |
| Cash dividends to net income (ytd only)* | 14.0055% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 565 |
| Loan loss allowance to noncurrent loans | 68.9688% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 3,178 |
| Noncurrent loans to loans | 2.7073% | 400 |
| Net loans and leases to total assets | 10.3297% | 5,013 |
| Net loans and leases to deposits | 12.5504% | 5,015 |
| Net loans and leases to core deposits | 26.8278% | 4,950 |
| Total domestic deposits to total assets | 82.3058% | 3,286 |
| Equity capital to assets | 12.9023% | 1,209 |
| Core capital (leverage) ratio | 10.3542% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0210% | 405 |
| Memoranda: | ||
| Average total assets | $357,211,667 | 1,971 |
| Average earning assets | $349,603,667 | 1,899 |
| Average equity | $43,599,333 | 1,866 |
| Average total loans | $35,115,333 | 4,457 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5606% | 4,574 |
| Cost of funding earning assets | 1.3752% | 441 |
| Net interest margin | 2.1854% | 4,966 |
| Noninterest income to average assets | 0.1222% | 4,747 |
| Noninterest expense to average assets | 2.2593% | 3,861 |
| Loan and lease loss provision to assets | 0.1142% | 2,256 |
| Net operating income to assets | -0.2566% | 4,874 |
| Return on assets (ROA) | 1.2604% | 1,451 |
| Pretax return on assets | 1.7970% | 706 |
| Return on Equity (ROE) | 10.6483% | 1,517 |
| Retained earnings to average equity (ytd only) | 9.1629% | 925 |
| Net charge-offs to loans | -0.3137% | 4,985 |
| Credit loss provision to net charge-offs | -384.6154% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4059% | 232 |
| Assets per employee ($millions) | 22.6765% | 51 |
| Cash dividends to net income (ytd only)* | 13.9493% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 490 |
| Loan loss allowance to noncurrent loans | 63.8693% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,271 |
| Noncurrent loans to loans | 3.1500% | 326 |
| Net loans and leases to total assets | 9.1346% | 5,061 |
| Net loans and leases to deposits | 10.3817% | 5,066 |
| Net loans and leases to core deposits | 26.4675% | 5,004 |
| Total domestic deposits to total assets | 87.9873% | 1,112 |
| Equity capital to assets | 10.7203% | 3,115 |
| Core capital (leverage) ratio | 11.3086% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0154% | 233 |
| Memoranda: | ||
| Average total assets | $350,366,500 | 1,959 |
| Average earning assets | $341,174,500 | 1,886 |
| Average equity | $41,471,500 | 1,934 |
| Average total loans | $33,152,000 | 4,530 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 4,629 |
| Cost of funding earning assets | 1.5775% | 321 |
| Net interest margin | 2.1710% | 5,061 |
| Noninterest income to average assets | 0.1488% | 4,747 |
| Noninterest expense to average assets | 1.7156% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4792% | 4,453 |
| Return on assets (ROA) | 1.8216% | 526 |
| Pretax return on assets | 2.1600% | 412 |
| Return on Equity (ROE) | 13.4207% | 1,046 |
| Retained earnings to average equity (ytd only) | 8.5350% | 826 |
| Net charge-offs to loans | 0.1197% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 45.9444% | 1,198 |
| Efficiency ratio | 75.3282% | 1,444 |
| Assets per employee ($millions) | 17.5129% | 89 |
| Cash dividends to net income (ytd only)* | 36.4043% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 479 |
| Loan loss allowance to noncurrent loans | 51.4655% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 2,918 |
| Noncurrent loans to loans | 3.8199% | 199 |
| Net loans and leases to total assets | 9.4438% | 5,120 |
| Net loans and leases to deposits | 11.0075% | 5,128 |
| Net loans and leases to core deposits | 27.1038% | 5,061 |
| Total domestic deposits to total assets | 85.7946% | 2,142 |
| Equity capital to assets | 13.2017% | 1,415 |
| Core capital (leverage) ratio | 11.9118% | 1,833 |
| Tier 1 risk-based capital ratio | 40.2278% | 239 |
| Total risk-based capital ratio | 40.8758% | 245 |
| Memoranda: | ||
| Average total assets | $294,354,400 | 2,190 |
| Average earning assets | $288,621,000 | 2,093 |
| Average equity | $39,953,200 | 1,935 |
| Average total loans | $30,063,600 | 4,643 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7091% | 4,775 |
| Cost of funding earning assets | 1.4896% | 422 |
| Net interest margin | 2.2195% | 5,141 |
| Noninterest income to average assets | 0.1482% | 4,807 |
| Noninterest expense to average assets | 1.9558% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.3054% | 4,836 |
| Return on assets (ROA) | 2.1510% | 308 |
| Pretax return on assets | 2.5406% | 233 |
| Return on Equity (ROE) | 15.8300% | 636 |
| Retained earnings to average equity (ytd only) | 13.6219% | 224 |
| Net charge-offs to loans | 0.1645% | 1,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 21.6225% | 1,904 |
| Efficiency ratio | 84.1175% | 612 |
| Assets per employee ($millions) | 17.4443% | 84 |
| Cash dividends to net income (ytd only)* | 13.9486% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 516 |
| Loan loss allowance to noncurrent loans | 63.5394% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 3,355 |
| Noncurrent loans to loans | 3.0611% | 312 |
| Net loans and leases to total assets | 9.5692% | 5,202 |
| Net loans and leases to deposits | 11.2851% | 5,205 |
| Net loans and leases to core deposits | 26.9429% | 5,147 |
| Total domestic deposits to total assets | 84.7945% | 2,503 |
| Equity capital to assets | 13.7934% | 1,239 |
| Core capital (leverage) ratio | 14.4137% | 877 |
| Tier 1 risk-based capital ratio | 47.5419% | 157 |
| Total risk-based capital ratio | 48.2944% | 156 |
| Memoranda: | ||
| Average total assets | $288,847,000 | 2,241 |
| Average earning assets | $283,299,000 | 2,145 |
| Average equity | $39,249,500 | 1,978 |
| Average total loans | $29,987,750 | 4,703 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8788% | 4,592 |
| Cost of funding earning assets | 1.5255% | 347 |
| Net interest margin | 2.3534% | 5,179 |
| Noninterest income to average assets | 0.1519% | 4,820 |
| Noninterest expense to average assets | 1.8042% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5333% | 4,453 |
| Return on assets (ROA) | 2.8988% | 99 |
| Pretax return on assets | 3.4685% | 88 |
| Return on Equity (ROE) | 21.4536% | 186 |
| Retained earnings to average equity (ytd only) | 18.8148% | 74 |
| Net charge-offs to loans | 0.0470% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 130.7143% | 561 |
| Efficiency ratio | 73.4398% | 1,708 |
| Assets per employee ($millions) | 16.5206% | 86 |
| Cash dividends to net income (ytd only)* | 12.3001% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1234% | 380 |
| Loan loss allowance to noncurrent loans | 67.6026% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,216 |
| Noncurrent loans to loans | 3.1410% | 311 |
| Net loans and leases to total assets | 10.2742% | 5,249 |
| Net loans and leases to deposits | 12.2352% | 5,252 |
| Net loans and leases to core deposits | 24.6319% | 5,203 |
| Total domestic deposits to total assets | 83.9719% | 2,880 |
| Equity capital to assets | 14.7111% | 887 |
| Core capital (leverage) ratio | 14.2078% | 906 |
| Tier 1 risk-based capital ratio | 47.7726% | 150 |
| Total risk-based capital ratio | 48.5763% | 151 |
| Memoranda: | ||
| Average total assets | $280,463,330 | 2,293 |
| Average earning assets | $274,672,000 | 2,194 |
| Average equity | $37,895,670 | 2,024 |
| Average total loans | $29,769,330 | 4,745 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 4,388 |
| Cost of funding earning assets | 1.4444% | 391 |
| Net interest margin | 2.5466% | 5,168 |
| Noninterest income to average assets | 0.1499% | 4,848 |
| Noninterest expense to average assets | 1.6241% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0057% | 2,820 |
| Return on assets (ROA) | 0.9120% | 3,231 |
| Pretax return on assets | 0.9262% | 3,672 |
| Return on Equity (ROE) | 7.0636% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.1946% | 3,659 |
| Net charge-offs to loans | -0.0802% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3808% | 3,627 |
| Assets per employee ($millions) | 16.5631% | 81 |
| Cash dividends to net income (ytd only)* | 54.7731% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1379% | 395 |
| Loan loss allowance to noncurrent loans | 53.6524% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 2,900 |
| Noncurrent loans to loans | 3.9847% | 192 |
| Net loans and leases to total assets | 10.3881% | 5,309 |
| Net loans and leases to deposits | 12.1581% | 5,311 |
| Net loans and leases to core deposits | 24.3915% | 5,262 |
| Total domestic deposits to total assets | 85.4417% | 2,510 |
| Equity capital to assets | 13.5401% | 1,194 |
| Core capital (leverage) ratio | 12.4477% | 1,544 |
| Tier 1 risk-based capital ratio | 34.1673% | 349 |
| Total risk-based capital ratio | 34.8107% | 355 |
| Memoranda: | ||
| Average total assets | $280,270,000 | 2,312 |
| Average earning assets | $274,724,000 | 2,208 |
| Average equity | $36,185,500 | 2,086 |
| Average total loans | $29,913,500 | 4,790 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 4,136 |
| Cost of funding earning assets | 1.0511% | 607 |
| Net interest margin | 2.9100% | 4,904 |
| Noninterest income to average assets | 0.1816% | 4,819 |
| Noninterest expense to average assets | 1.3295% | 5,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6094% | 850 |
| Return on assets (ROA) | 1.6676% | 737 |
| Pretax return on assets | 1.7689% | 999 |
| Return on Equity (ROE) | 13.2603% | 1,245 |
| Retained earnings to average equity (ytd only) | 8.3906% | 1,087 |
| Net charge-offs to loans | 0.0265% | 2,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 568.6250% | 194 |
| Efficiency ratio | 43.7840% | 5,188 |
| Assets per employee ($millions) | 17.4355% | 71 |
| Cash dividends to net income (ytd only)* | 36.7237% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 392 |
| Loan loss allowance to noncurrent loans | 54.9003% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 2,900 |
| Noncurrent loans to loans | 3.8513% | 200 |
| Net loans and leases to total assets | 10.5048% | 5,353 |
| Net loans and leases to deposits | 12.8599% | 5,356 |
| Net loans and leases to core deposits | 26.9640% | 5,294 |
| Total domestic deposits to total assets | 81.6864% | 3,723 |
| Equity capital to assets | 12.2760% | 1,711 |
| Core capital (leverage) ratio | 12.2188% | 1,608 |
| Tier 1 risk-based capital ratio | 32.8206% | 373 |
| Total risk-based capital ratio | 33.4380% | 388 |
| Memoranda: | ||
| Average total assets | $266,495,400 | 2,363 |
| Average earning assets | $261,443,000 | 2,258 |
| Average equity | $33,513,600 | 2,134 |
| Average total loans | $30,186,000 | 4,817 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 4,109 |
| Cost of funding earning assets | 0.9968% | 606 |
| Net interest margin | 2.9419% | 4,921 |
| Noninterest income to average assets | 0.1838% | 4,871 |
| Noninterest expense to average assets | 1.4205% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5648% | 1,035 |
| Return on assets (ROA) | 1.6812% | 782 |
| Pretax return on assets | 1.7708% | 1,086 |
| Return on Equity (ROE) | 13.2848% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.4847% | 558 |
| Net charge-offs to loans | -0.1234% | 5,209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2884% | 5,136 |
| Assets per employee ($millions) | 16.7806% | 75 |
| Cash dividends to net income (ytd only)* | 13.5502% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2894% | 313 |
| Loan loss allowance to noncurrent loans | 65.5240% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 3,168 |
| Noncurrent loans to loans | 3.4941% | 272 |
| Net loans and leases to total assets | 10.6343% | 5,425 |
| Net loans and leases to deposits | 12.5472% | 5,426 |
| Net loans and leases to core deposits | 25.7522% | 5,377 |
| Total domestic deposits to total assets | 84.7543% | 2,701 |
| Equity capital to assets | 12.1029% | 1,836 |
| Core capital (leverage) ratio | 12.5162% | 1,493 |
| Tier 1 risk-based capital ratio | 34.8822% | 327 |
| Total risk-based capital ratio | 35.5746% | 331 |
| Memoranda: | ||
| Average total assets | $263,377,250 | 2,393 |
| Average earning assets | $258,281,000 | 2,293 |
| Average equity | $33,330,500 | 2,145 |
| Average total loans | $30,248,000 | 4,867 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,975 |
| Cost of funding earning assets | 0.9209% | 668 |
| Net interest margin | 3.0161% | 4,857 |
| Noninterest income to average assets | 0.1911% | 4,869 |
| Noninterest expense to average assets | 1.4950% | 5,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5499% | 1,034 |
| Return on assets (ROA) | 1.7029% | 723 |
| Pretax return on assets | 1.8175% | 924 |
| Return on Equity (ROE) | 13.2584% | 1,279 |
| Retained earnings to average equity (ytd only) | 11.4731% | 591 |
| Net charge-offs to loans | -0.1308% | 5,239 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4642% | 5,143 |
| Assets per employee ($millions) | 16.5888% | 73 |
| Cash dividends to net income (ytd only)* | 13.4650% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2429% | 347 |
| Loan loss allowance to noncurrent loans | 64.4878% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 3,152 |
| Noncurrent loans to loans | 3.4780% | 284 |
| Net loans and leases to total assets | 10.8545% | 5,484 |
| Net loans and leases to deposits | 12.5044% | 5,490 |
| Net loans and leases to core deposits | 24.7570% | 5,442 |
| Total domestic deposits to total assets | 86.8051% | 1,931 |
| Equity capital to assets | 12.5616% | 1,499 |
| Core capital (leverage) ratio | 12.0862% | 1,658 |
| Tier 1 risk-based capital ratio | 34.5266% | 338 |
| Total risk-based capital ratio | 35.2231% | 343 |
| Memoranda: | ||
| Average total assets | $261,673,330 | 2,406 |
| Average earning assets | $256,692,330 | 2,307 |
| Average equity | $33,609,000 | 2,140 |
| Average total loans | $30,590,330 | 4,912 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 3,958 |
| Cost of funding earning assets | 0.8601% | 724 |
| Net interest margin | 3.0301% | 4,836 |
| Noninterest income to average assets | 0.1894% | 4,888 |
| Noninterest expense to average assets | 1.4319% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6011% | 858 |
| Return on assets (ROA) | 2.0062% | 370 |
| Pretax return on assets | 2.1755% | 398 |
| Return on Equity (ROE) | 15.4462% | 720 |
| Retained earnings to average equity (ytd only) | 13.6680% | 440 |
| Net charge-offs to loans | -0.1284% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2115% | 5,309 |
| Assets per employee ($millions) | 15.9428% | 75 |
| Cash dividends to net income (ytd only)* | 11.5119% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 447 |
| Loan loss allowance to noncurrent loans | 45.9746% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 2,744 |
| Noncurrent loans to loans | 4.5822% | 183 |
| Net loans and leases to total assets | 11.1616% | 5,550 |
| Net loans and leases to deposits | 12.9995% | 5,554 |
| Net loans and leases to core deposits | 25.1915% | 5,500 |
| Total domestic deposits to total assets | 85.8616% | 2,607 |
| Equity capital to assets | 12.0504% | 1,748 |
| Core capital (leverage) ratio | 12.3712% | 1,444 |
| Tier 1 risk-based capital ratio | 32.8456% | 380 |
| Total risk-based capital ratio | 33.5140% | 390 |
| Memoranda: | ||
| Average total assets | $259,799,500 | 2,447 |
| Average earning assets | $255,305,500 | 2,328 |
| Average equity | $33,743,000 | 2,150 |
| Average total loans | $31,150,000 | 4,946 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 4,213 |
| Cost of funding earning assets | 0.6003% | 1,589 |
| Net interest margin | 3.1509% | 4,573 |
| Noninterest income to average assets | 0.2143% | 4,869 |
| Noninterest expense to average assets | 1.5840% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4374% | 929 |
| Return on assets (ROA) | 1.8963% | 353 |
| Pretax return on assets | 2.2559% | 290 |
| Return on Equity (ROE) | 14.7953% | 639 |
| Retained earnings to average equity (ytd only) | 11.0495% | 243 |
| Net charge-offs to loans | 0.3977% | 627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.5040% | 1,432 |
| Efficiency ratio | 48.0912% | 5,312 |
| Assets per employee ($millions) | 15.5357% | 82 |
| Cash dividends to net income (ytd only)* | 25.3175% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0415% | 495 |
| Loan loss allowance to noncurrent loans | 44.3906% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,612 |
| Noncurrent loans to loans | 4.5990% | 171 |
| Net loans and leases to total assets | 12.3735% | 5,614 |
| Net loans and leases to deposits | 15.8925% | 5,614 |
| Net loans and leases to core deposits | 29.1505% | 5,542 |
| Total domestic deposits to total assets | 77.8574% | 4,736 |
| Equity capital to assets | 14.0105% | 907 |
| Core capital (leverage) ratio | 12.6189% | 1,300 |
| Tier 1 risk-based capital ratio | 34.8170% | 323 |
| Total risk-based capital ratio | 35.5407% | 334 |
| Memoranda: | ||
| Average total assets | $244,954,800 | 2,529 |
| Average earning assets | $239,395,000 | 2,427 |
| Average equity | $31,395,000 | 2,264 |
| Average total loans | $31,431,600 | 4,987 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 4,097 |
| Cost of funding earning assets | 0.5546% | 1,859 |
| Net interest margin | 3.2164% | 4,408 |
| Noninterest income to average assets | 0.2218% | 4,890 |
| Noninterest expense to average assets | 1.5204% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4791% | 938 |
| Return on assets (ROA) | 2.0809% | 278 |
| Pretax return on assets | 2.5841% | 185 |
| Return on Equity (ROE) | 16.6306% | 466 |
| Retained earnings to average equity (ytd only) | 14.6659% | 128 |
| Net charge-offs to loans | 0.1272% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 112.3305% | 647 |
| Efficiency ratio | 45.2300% | 5,441 |
| Assets per employee ($millions) | 15.7054% | 78 |
| Cash dividends to net income (ytd only)* | 11.8142% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2772% | 354 |
| Loan loss allowance to noncurrent loans | 50.0340% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 2,756 |
| Noncurrent loans to loans | 4.5512% | 193 |
| Net loans and leases to total assets | 12.5693% | 5,680 |
| Net loans and leases to deposits | 14.9757% | 5,683 |
| Net loans and leases to core deposits | 29.0058% | 5,615 |
| Total domestic deposits to total assets | 83.9319% | 3,149 |
| Equity capital to assets | 13.2295% | 1,280 |
| Core capital (leverage) ratio | 12.6034% | 1,378 |
| Tier 1 risk-based capital ratio | 34.7320% | 329 |
| Total risk-based capital ratio | 35.5639% | 336 |
| Memoranda: | ||
| Average total assets | $244,050,750 | 2,552 |
| Average earning assets | $238,234,000 | 2,458 |
| Average equity | $30,537,250 | 2,338 |
| Average total loans | $31,440,000 | 5,032 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 4,223 |
| Cost of funding earning assets | 0.5074% | 2,112 |
| Net interest margin | 3.1959% | 4,434 |
| Noninterest income to average assets | 0.2309% | 4,855 |
| Noninterest expense to average assets | 1.3856% | 5,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5740% | 747 |
| Return on assets (ROA) | 2.1976% | 214 |
| Pretax return on assets | 2.7273% | 151 |
| Return on Equity (ROE) | 17.9220% | 341 |
| Retained earnings to average equity (ytd only) | 15.8969% | 106 |
| Net charge-offs to loans | -0.0449% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4459% | 5,593 |
| Assets per employee ($millions) | 15.3993% | 79 |
| Cash dividends to net income (ytd only)* | 11.2994% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 321 |
| Loan loss allowance to noncurrent loans | 50.1948% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,693 |
| Noncurrent loans to loans | 4.7789% | 167 |
| Net loans and leases to total assets | 12.7652% | 5,728 |
| Net loans and leases to deposits | 14.8500% | 5,734 |
| Net loans and leases to core deposits | 27.9603% | 5,667 |
| Total domestic deposits to total assets | 85.9612% | 2,388 |
| Equity capital to assets | 12.9264% | 1,405 |
| Core capital (leverage) ratio | 12.3246% | 1,462 |
| Tier 1 risk-based capital ratio | 35.1108% | 301 |
| Total risk-based capital ratio | 36.0240% | 305 |
| Memoranda: | ||
| Average total assets | $241,632,330 | 2,582 |
| Average earning assets | $235,303,330 | 2,488 |
| Average equity | $29,628,330 | 2,398 |
| Average total loans | $31,146,330 | 5,074 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8296% | 3,656 |
| Cost of funding earning assets | 0.4815% | 2,237 |
| Net interest margin | 3.3481% | 3,852 |
| Noninterest income to average assets | 0.2575% | 4,693 |
| Noninterest expense to average assets | 1.3860% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7023% | 549 |
| Return on assets (ROA) | 2.2654% | 210 |
| Pretax return on assets | 2.8188% | 154 |
| Return on Equity (ROE) | 19.0055% | 285 |
| Retained earnings to average equity (ytd only) | 16.9016% | 172 |
| Net charge-offs to loans | -0.0784% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5893% | 5,706 |
| Assets per employee ($millions) | 14.7500% | 89 |
| Cash dividends to net income (ytd only)* | 11.0701% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4320% | 340 |
| Loan loss allowance to noncurrent loans | 52.5170% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 2,763 |
| Noncurrent loans to loans | 4.6309% | 186 |
| Net loans and leases to total assets | 13.1233% | 5,796 |
| Net loans and leases to deposits | 15.3385% | 5,794 |
| Net loans and leases to core deposits | 26.3954% | 5,729 |
| Total domestic deposits to total assets | 85.5581% | 2,858 |
| Equity capital to assets | 12.3212% | 1,648 |
| Core capital (leverage) ratio | 11.9486% | 1,664 |
| Tier 1 risk-based capital ratio | 34.7655% | 329 |
| Total risk-based capital ratio | 35.7048% | 335 |
| Memoranda: | ||
| Average total assets | $239,254,500 | 2,623 |
| Average earning assets | $231,775,500 | 2,536 |
| Average equity | $28,518,000 | 2,478 |
| Average total loans | $30,607,000 | 5,137 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,274 |
| Cost of funding earning assets | 0.5245% | 1,906 |
| Net interest margin | 3.1561% | 4,573 |
| Noninterest income to average assets | 0.4937% | 3,279 |
| Noninterest expense to average assets | 1.4833% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7000% | 544 |
| Return on assets (ROA) | 2.1145% | 267 |
| Pretax return on assets | 2.5795% | 179 |
| Return on Equity (ROE) | 15.7081% | 537 |
| Retained earnings to average equity (ytd only) | 11.8107% | 233 |
| Net charge-offs to loans | 0.0574% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 267.8824% | 267 |
| Efficiency ratio | 41.6976% | 5,756 |
| Assets per employee ($millions) | 15.1568% | 82 |
| Cash dividends to net income (ytd only)* | 24.8115% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5992% | 279 |
| Loan loss allowance to noncurrent loans | 61.5756% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 3,200 |
| Noncurrent loans to loans | 4.2211% | 232 |
| Net loans and leases to total assets | 11.8367% | 5,858 |
| Net loans and leases to deposits | 15.0025% | 5,859 |
| Net loans and leases to core deposits | 27.0249% | 5,783 |
| Total domestic deposits to total assets | 78.8981% | 4,817 |
| Equity capital to assets | 11.5286% | 2,141 |
| Core capital (leverage) ratio | 11.7335% | 1,773 |
| Tier 1 risk-based capital ratio | 32.3985% | 397 |
| Total risk-based capital ratio | 33.3053% | 400 |
| Memoranda: | ||
| Average total assets | $219,574,400 | 2,764 |
| Average earning assets | $213,140,600 | 2,667 |
| Average equity | $29,558,000 | 2,388 |
| Average total loans | $29,640,600 | 5,201 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,287 |
| Cost of funding earning assets | 0.5479% | 1,720 |
| Net interest margin | 3.1409% | 4,670 |
| Noninterest income to average assets | 0.2120% | 5,198 |
| Noninterest expense to average assets | 1.5076% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4557% | 965 |
| Return on assets (ROA) | 2.0208% | 344 |
| Pretax return on assets | 2.4485% | 240 |
| Return on Equity (ROE) | 14.4243% | 752 |
| Retained earnings to average equity (ytd only) | 12.5016% | 251 |
| Net charge-offs to loans | 0.1033% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 123.2445% | 564 |
| Efficiency ratio | 46.0308% | 5,667 |
| Assets per employee ($millions) | 14.6257% | 87 |
| Cash dividends to net income (ytd only)* | 13.3293% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7076% | 263 |
| Loan loss allowance to noncurrent loans | 68.4685% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 3,525 |
| Noncurrent loans to loans | 3.9545% | 279 |
| Net loans and leases to total assets | 11.6700% | 5,926 |
| Net loans and leases to deposits | 15.1686% | 5,923 |
| Net loans and leases to core deposits | 45.3472% | 5,538 |
| Total domestic deposits to total assets | 76.9348% | 5,103 |
| Equity capital to assets | 13.5370% | 1,231 |
| Core capital (leverage) ratio | 12.8211% | 1,259 |
| Tier 1 risk-based capital ratio | 33.1223% | 380 |
| Total risk-based capital ratio | 34.0657% | 382 |
| Memoranda: | ||
| Average total assets | $213,840,750 | 2,827 |
| Average earning assets | $208,556,000 | 2,718 |
| Average equity | $29,958,000 | 2,371 |
| Average total loans | $29,683,000 | 5,250 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 4,044 |
| Cost of funding earning assets | 0.6046% | 1,281 |
| Net interest margin | 3.1689% | 4,643 |
| Noninterest income to average assets | 0.2173% | 5,189 |
| Noninterest expense to average assets | 1.5315% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4991% | 896 |
| Return on assets (ROA) | 1.6030% | 764 |
| Pretax return on assets | 1.9168% | 671 |
| Return on Equity (ROE) | 11.2984% | 1,543 |
| Retained earnings to average equity (ytd only) | 9.3382% | 763 |
| Net charge-offs to loans | 0.1191% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 103.1667% | 558 |
| Efficiency ratio | 46.0645% | 5,752 |
| Assets per employee ($millions) | 13.5376% | 109 |
| Cash dividends to net income (ytd only)* | 17.3494% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 341 |
| Loan loss allowance to noncurrent loans | 55.4750% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6399% | 3,083 |
| Noncurrent loans to loans | 4.5993% | 212 |
| Net loans and leases to total assets | 13.4893% | 5,998 |
| Net loans and leases to deposits | 16.9779% | 5,993 |
| Net loans and leases to core deposits | 27.9930% | 5,913 |
| Total domestic deposits to total assets | 79.4521% | 4,682 |
| Equity capital to assets | 14.6957% | 814 |
| Core capital (leverage) ratio | 12.4646% | 1,373 |
| Tier 1 risk-based capital ratio | 34.3726% | 351 |
| Total risk-based capital ratio | 35.4141% | 348 |
| Memoranda: | ||
| Average total assets | $207,117,330 | 2,910 |
| Average earning assets | $203,100,000 | 2,775 |
| Average equity | $29,384,670 | 2,409 |
| Average total loans | $30,221,000 | 5,285 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 3,992 |
| Cost of funding earning assets | 0.6074% | 1,288 |
| Net interest margin | 3.1798% | 4,644 |
| Noninterest income to average assets | 0.2075% | 5,246 |
| Noninterest expense to average assets | 1.5832% | 5,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5634% | 760 |
| Return on assets (ROA) | 1.5634% | 794 |
| Pretax return on assets | 1.7492% | 944 |
| Return on Equity (ROE) | 11.2352% | 1,518 |
| Retained earnings to average equity (ytd only) | 9.1899% | 1,055 |
| Net charge-offs to loans | -0.0659% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5089% | 5,744 |
| Assets per employee ($millions) | 13.9167% | 99 |
| Cash dividends to net income (ytd only)* | 18.2048% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5976% | 354 |
| Loan loss allowance to noncurrent loans | 78.8789% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 3,623 |
| Noncurrent loans to loans | 3.2931% | 444 |
| Net loans and leases to total assets | 14.1547% | 6,050 |
| Net loans and leases to deposits | 17.1051% | 6,046 |
| Net loans and leases to core deposits | 24.4497% | 6,000 |
| Total domestic deposits to total assets | 82.7516% | 3,985 |
| Equity capital to assets | 13.8721% | 1,026 |
| Core capital (leverage) ratio | 12.2686% | 1,452 |
| Tier 1 risk-based capital ratio | 33.1692% | 390 |
| Total risk-based capital ratio | 34.2351% | 387 |
| Memoranda: | ||
| Average total assets | $202,375,500 | 2,962 |
| Average earning assets | $198,880,500 | 2,828 |
| Average equity | $28,161,500 | 2,515 |
| Average total loans | $30,340,000 | 5,324 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,214 |
| Cost of funding earning assets | 0.6978% | 831 |
| Net interest margin | 3.0470% | 5,033 |
| Noninterest income to average assets | 0.2390% | 5,168 |
| Noninterest expense to average assets | 1.4299% | 6,023 |
| Loan and lease loss provision to assets | 0.0080% | 4,235 |
| Net operating income to assets | 1.4974% | 868 |
| Return on assets (ROA) | 1.6314% | 675 |
| Pretax return on assets | 1.8554% | 717 |
| Return on Equity (ROE) | 11.7781% | 1,364 |
| Retained earnings to average equity (ytd only) | 7.7656% | 994 |
| Net charge-offs to loans | 0.0365% | 3,488 |
| Credit loss provision to net charge-offs | 136.3636% | 1,919 |
| Earnings coverage of net charge-offs (x) | 290.2727% | 247 |
| Efficiency ratio | 45.5212% | 5,943 |
| Assets per employee ($millions) | 13.0667% | 117 |
| Cash dividends to net income (ytd only)* | 34.0670% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5804% | 363 |
| Loan loss allowance to noncurrent loans | 71.8349% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 3,366 |
| Noncurrent loans to loans | 3.5921% | 375 |
| Net loans and leases to total assets | 15.0821% | 6,106 |
| Net loans and leases to deposits | 17.9085% | 6,108 |
| Net loans and leases to core deposits | 26.2012% | 6,041 |
| Total domestic deposits to total assets | 84.2174% | 3,393 |
| Equity capital to assets | 13.9617% | 942 |
| Core capital (leverage) ratio | 12.6277% | 1,295 |
| Tier 1 risk-based capital ratio | 33.2396% | 386 |
| Total risk-based capital ratio | 34.3297% | 386 |
| Memoranda: | ||
| Average total assets | $186,592,000 | 3,100 |
| Average earning assets | $177,714,000 | 3,020 |
| Average equity | $25,844,600 | 2,629 |
| Average total loans | $30,112,400 | 5,351 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,237 |
| Cost of funding earning assets | 0.7120% | 785 |
| Net interest margin | 3.0442% | 5,090 |
| Noninterest income to average assets | 0.2439% | 5,187 |
| Noninterest expense to average assets | 1.4749% | 6,058 |
| Loan and lease loss provision to assets | 0.0109% | 4,054 |
| Net operating income to assets | 1.4712% | 966 |
| Return on assets (ROA) | 1.6464% | 718 |
| Pretax return on assets | 1.8273% | 846 |
| Return on Equity (ROE) | 11.9117% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.7231% | 684 |
| Net charge-offs to loans | -0.0089% | 4,952 |
| Credit loss provision to net charge-offs | -750.0000% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2964% | 5,909 |
| Assets per employee ($millions) | 13.7011% | 101 |
| Cash dividends to net income (ytd only)* | 18.3736% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6906% | 340 |
| Loan loss allowance to noncurrent loans | 81.0591% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 3,709 |
| Noncurrent loans to loans | 3.3192% | 492 |
| Net loans and leases to total assets | 15.0087% | 6,194 |
| Net loans and leases to deposits | 17.6517% | 6,201 |
| Net loans and leases to core deposits | 25.2157% | 6,138 |
| Total domestic deposits to total assets | 85.0272% | 2,992 |
| Equity capital to assets | 13.8550% | 1,087 |
| Core capital (leverage) ratio | 12.6595% | 1,342 |
| Tier 1 risk-based capital ratio | 33.3661% | 400 |
| Total risk-based capital ratio | 34.4856% | 399 |
| Memoranda: | ||
| Average total assets | $184,239,750 | 3,149 |
| Average earning assets | $173,968,000 | 3,088 |
| Average equity | $25,464,500 | 2,682 |
| Average total loans | $30,054,500 | 5,419 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 3,859 |
| Cost of funding earning assets | 0.7254% | 736 |
| Net interest margin | 3.1266% | 4,894 |
| Noninterest income to average assets | 0.2322% | 5,302 |
| Noninterest expense to average assets | 1.5101% | 6,106 |
| Loan and lease loss provision to assets | 0.0165% | 3,793 |
| Net operating income to assets | 1.4360% | 1,023 |
| Return on assets (ROA) | 1.6829% | 671 |
| Pretax return on assets | 1.8909% | 747 |
| Return on Equity (ROE) | 12.1862% | 1,319 |
| Retained earnings to average equity (ytd only) | 9.9705% | 667 |
| Net charge-offs to loans | 0.0265% | 3,148 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 370.2500% | 184 |
| Efficiency ratio | 48.0897% | 5,954 |
| Assets per employee ($millions) | 13.3401% | 108 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6248% | 416 |
| Loan loss allowance to noncurrent loans | 69.0559% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 3,519 |
| Noncurrent loans to loans | 3.8010% | 431 |
| Net loans and leases to total assets | 15.6922% | 6,260 |
| Net loans and leases to deposits | 18.2602% | 6,267 |
| Net loans and leases to core deposits | 25.1394% | 6,209 |
| Total domestic deposits to total assets | 85.9371% | 2,717 |
| Equity capital to assets | 13.3304% | 1,247 |
| Core capital (leverage) ratio | 12.7670% | 1,271 |
| Tier 1 risk-based capital ratio | 30.0005% | 548 |
| Total risk-based capital ratio | 31.0257% | 547 |
| Memoranda: | ||
| Average total assets | $181,714,670 | 3,197 |
| Average earning assets | $169,003,670 | 3,176 |
| Average equity | $25,094,000 | 2,718 |
| Average total loans | $30,211,000 | 5,464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 4,333 |
| Cost of funding earning assets | 0.7474% | 667 |
| Net interest margin | 2.9604% | 5,317 |
| Noninterest income to average assets | 0.2455% | 5,210 |
| Noninterest expense to average assets | 1.5336% | 6,160 |
| Loan and lease loss provision to assets | 0.0335% | 3,221 |
| Net operating income to assets | 1.2858% | 1,320 |
| Return on assets (ROA) | 1.2858% | 1,404 |
| Pretax return on assets | 1.3751% | 1,980 |
| Return on Equity (ROE) | 9.1454% | 2,382 |
| Retained earnings to average equity (ytd only) | 6.9384% | 2,037 |
| Net charge-offs to loans | -0.0396% | 5,402 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1244% | 5,802 |
| Assets per employee ($millions) | 13.2974% | 108 |
| Cash dividends to net income (ytd only)* | 24.1319% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6343% | 441 |
| Loan loss allowance to noncurrent loans | 58.8192% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 3,226 |
| Noncurrent loans to loans | 4.4786% | 353 |
| Net loans and leases to total assets | 15.8237% | 6,319 |
| Net loans and leases to deposits | 18.5779% | 6,319 |
| Net loans and leases to core deposits | 26.7673% | 6,251 |
| Total domestic deposits to total assets | 85.1749% | 3,318 |
| Equity capital to assets | 13.7900% | 1,061 |
| Core capital (leverage) ratio | 12.3832% | 1,408 |
| Tier 1 risk-based capital ratio | 35.5946% | 344 |
| Total risk-based capital ratio | 36.8441% | 343 |
| Memoranda: | ||
| Average total assets | $179,191,500 | 3,246 |
| Average earning assets | $163,223,000 | 3,276 |
| Average equity | $25,193,000 | 2,726 |
| Average total loans | $30,268,000 | 5,498 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 5,085 |
| Cost of funding earning assets | 0.6645% | 1,303 |
| Net interest margin | 2.9320% | 5,578 |
| Noninterest income to average assets | 0.3728% | 4,403 |
| Noninterest expense to average assets | 1.2976% | 6,397 |
| Loan and lease loss provision to assets | 0.1006% | 2,478 |
| Net operating income to assets | 1.5174% | 844 |
| Return on assets (ROA) | 1.7035% | 599 |
| Pretax return on assets | 2.0106% | 499 |
| Return on Equity (ROE) | 12.6824% | 1,211 |
| Retained earnings to average equity (ytd only) | 8.4138% | 864 |
| Net charge-offs to loans | 0.0032% | 4,900 |
| Credit loss provision to net charge-offs | 17,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 3,198.0000% | 6 |
| Efficiency ratio | 40.6789% | 6,384 |
| Assets per employee ($millions) | 12.3014% | 130 |
| Cash dividends to net income (ytd only)* | 33.6575% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 500 |
| Loan loss allowance to noncurrent loans | 71.8635% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 3,598 |
| Noncurrent loans to loans | 3.5798% | 564 |
| Net loans and leases to total assets | 17.1305% | 6,399 |
| Net loans and leases to deposits | 20.2631% | 6,403 |
| Net loans and leases to core deposits | 27.4050% | 6,339 |
| Total domestic deposits to total assets | 84.5406% | 3,490 |
| Equity capital to assets | 14.3503% | 852 |
| Core capital (leverage) ratio | 12.9697% | 1,156 |
| Tier 1 risk-based capital ratio | 36.0739% | 308 |
| Total risk-based capital ratio | 37.3243% | 302 |
| Memoranda: | ||
| Average total assets | $169,002,200 | 3,358 |
| Average earning assets | $162,380,600 | 3,249 |
| Average equity | $22,700,800 | 2,879 |
| Average total loans | $31,318,600 | 5,517 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 5,343 |
| Cost of funding earning assets | 0.6576% | 1,408 |
| Net interest margin | 2.8646% | 5,772 |
| Noninterest income to average assets | 0.4074% | 4,187 |
| Noninterest expense to average assets | 1.3286% | 6,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5503% | 844 |
| Return on assets (ROA) | 1.6655% | 684 |
| Pretax return on assets | 1.9786% | 599 |
| Return on Equity (ROE) | 12.6197% | 1,315 |
| Retained earnings to average equity (ytd only) | 10.1991% | 658 |
| Net charge-offs to loans | 0.0929% | 2,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 105.6004% | 561 |
| Efficiency ratio | 41.9105% | 6,417 |
| Assets per employee ($millions) | 12.3226% | 132 |
| Cash dividends to net income (ytd only)* | 19.1814% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 1,681 |
| Loan loss allowance to noncurrent loans | 43.5878% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7820% | 3,471 |
| Noncurrent loans to loans | 4.1429% | 495 |
| Net loans and leases to total assets | 18.5339% | 6,469 |
| Net loans and leases to deposits | 21.8287% | 6,475 |
| Net loans and leases to core deposits | 29.1237% | 6,398 |
| Total domestic deposits to total assets | 84.9063% | 3,376 |
| Equity capital to assets | 14.0254% | 994 |
| Core capital (leverage) ratio | 12.5699% | 1,368 |
| Tier 1 risk-based capital ratio | 35.7178% | 335 |
| Total risk-based capital ratio | 36.6877% | 339 |
| Memoranda: | ||
| Average total assets | $168,198,000 | 3,389 |
| Average earning assets | $162,207,500 | 3,280 |
| Average equity | $22,197,500 | 2,934 |
| Average total loans | $31,578,000 | 5,558 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 5,528 |
| Cost of funding earning assets | 0.6460% | 1,539 |
| Net interest margin | 2.8018% | 5,906 |
| Noninterest income to average assets | 0.4821% | 3,614 |
| Noninterest expense to average assets | 1.3565% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5624% | 774 |
| Return on assets (ROA) | 1.5975% | 738 |
| Pretax return on assets | 1.8506% | 755 |
| Return on Equity (ROE) | 12.3727% | 1,337 |
| Retained earnings to average equity (ytd only) | 9.8740% | 745 |
| Net charge-offs to loans | 0.2496% | 1,560 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 38.6923% | 1,083 |
| Efficiency ratio | 42.8409% | 6,458 |
| Assets per employee ($millions) | 12.7041% | 113 |
| Cash dividends to net income (ytd only)* | 20.1952% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8497% | 1,703 |
| Loan loss allowance to noncurrent loans | 35.8218% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 3,303 |
| Noncurrent loans to loans | 5.1636% | 370 |
| Net loans and leases to total assets | 17.0355% | 6,548 |
| Net loans and leases to deposits | 19.7763% | 6,556 |
| Net loans and leases to core deposits | 25.7391% | 6,497 |
| Total domestic deposits to total assets | 86.1412% | 2,974 |
| Equity capital to assets | 13.0374% | 1,352 |
| Core capital (leverage) ratio | 12.2643% | 1,517 |
| Tier 1 risk-based capital ratio | 34.1933% | 371 |
| Total risk-based capital ratio | 35.1222% | 371 |
| Memoranda: | ||
| Average total assets | $166,758,670 | 3,425 |
| Average earning assets | $159,755,000 | 3,326 |
| Average equity | $21,531,330 | 2,994 |
| Average total loans | $31,250,000 | 5,617 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 5,623 |
| Cost of funding earning assets | 0.6300% | 1,732 |
| Net interest margin | 2.7813% | 5,974 |
| Noninterest income to average assets | 0.2481% | 5,377 |
| Noninterest expense to average assets | 1.2679% | 6,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4977% | 823 |
| Return on assets (ROA) | 1.4292% | 977 |
| Pretax return on assets | 1.5979% | 1,178 |
| Return on Equity (ROE) | 11.1288% | 1,641 |
| Retained earnings to average equity (ytd only) | 8.5205% | 1,410 |
| Net charge-offs to loans | -0.1145% | 6,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0860% | 6,521 |
| Assets per employee ($millions) | 11.8883% | 138 |
| Cash dividends to net income (ytd only)* | 23.4375% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9851% | 1,543 |
| Loan loss allowance to noncurrent loans | 28.8444% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 2,713 |
| Noncurrent loans to loans | 6.8820% | 227 |
| Net loans and leases to total assets | 18.3638% | 6,606 |
| Net loans and leases to deposits | 21.1850% | 6,607 |
| Net loans and leases to core deposits | 25.6743% | 6,558 |
| Total domestic deposits to total assets | 86.6832% | 3,002 |
| Equity capital to assets | 12.8872% | 1,363 |
| Core capital (leverage) ratio | 12.4187% | 1,423 |
| Tier 1 risk-based capital ratio | 34.6905% | 360 |
| Total risk-based capital ratio | 35.7432% | 358 |
| Memoranda: | ||
| Average total assets | $161,209,000 | 3,544 |
| Average earning assets | $156,184,000 | 3,403 |
| Average equity | $20,703,000 | 3,096 |
| Average total loans | $31,440,000 | 5,656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2979% | 6,003 |
| Cost of funding earning assets | 0.5951% | 2,711 |
| Net interest margin | 2.7028% | 6,138 |
| Noninterest income to average assets | 0.3053% | 5,157 |
| Noninterest expense to average assets | 1.3894% | 6,634 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2442% | 1,411 |
| Return on assets (ROA) | 1.3269% | 1,226 |
| Pretax return on assets | 1.5850% | 1,205 |
| Return on Equity (ROE) | 9.9693% | 2,130 |
| Retained earnings to average equity (ytd only) | 6.1815% | 1,866 |
| Net charge-offs to loans | -0.2861% | 6,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3117% | 6,480 |
| Assets per employee ($millions) | 11.1416% | 167 |
| Cash dividends to net income (ytd only)* | 37.9950% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 1,725 |
| Loan loss allowance to noncurrent loans | 28.6251% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 2,702 |
| Noncurrent loans to loans | 6.7230% | 265 |
| Net loans and leases to total assets | 19.9299% | 6,669 |
| Net loans and leases to deposits | 22.8714% | 6,683 |
| Net loans and leases to core deposits | 29.4583% | 6,607 |
| Total domestic deposits to total assets | 87.1389% | 2,650 |
| Equity capital to assets | 12.7944% | 1,370 |
| Core capital (leverage) ratio | 12.6838% | 1,264 |
| Tier 1 risk-based capital ratio | 35.5252% | 309 |
| Total risk-based capital ratio | 36.6111% | 305 |
| Memoranda: | ||
| Average total assets | $150,348,600 | 3,698 |
| Average earning assets | $143,001,400 | 3,619 |
| Average equity | $20,011,400 | 3,151 |
| Average total loans | $30,058,200 | 5,762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2999% | 6,062 |
| Cost of funding earning assets | 0.5982% | 2,821 |
| Net interest margin | 2.7017% | 6,169 |
| Noninterest income to average assets | 0.2963% | 5,324 |
| Noninterest expense to average assets | 1.4386% | 6,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1278% | 1,894 |
| Return on assets (ROA) | 1.3562% | 1,260 |
| Pretax return on assets | 1.6946% | 1,108 |
| Return on Equity (ROE) | 10.0871% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.4971% | 1,643 |
| Net charge-offs to loans | -0.2653% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5187% | 6,368 |
| Assets per employee ($millions) | 11.2783% | 160 |
| Cash dividends to net income (ytd only)* | 25.6764% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8594% | 2,114 |
| Loan loss allowance to noncurrent loans | 32.0154% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 3,349 |
| Noncurrent loans to loans | 5.8077% | 452 |
| Net loans and leases to total assets | 19.4888% | 6,758 |
| Net loans and leases to deposits | 22.3622% | 6,772 |
| Net loans and leases to core deposits | 28.4124% | 6,704 |
| Total domestic deposits to total assets | 87.1504% | 2,599 |
| Equity capital to assets | 12.5393% | 1,563 |
| Core capital (leverage) ratio | 12.4698% | 1,438 |
| Tier 1 risk-based capital ratio | 34.7225% | 346 |
| Total risk-based capital ratio | 35.7425% | 345 |
| Memoranda: | ||
| Average total assets | $148,940,250 | 3,763 |
| Average earning assets | $140,646,250 | 3,691 |
| Average equity | $20,025,000 | 3,182 |
| Average total loans | $29,648,500 | 5,838 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2795% | 6,119 |
| Cost of funding earning assets | 0.5635% | 3,278 |
| Net interest margin | 2.7160% | 6,155 |
| Noninterest income to average assets | 0.2727% | 5,500 |
| Noninterest expense to average assets | 1.4799% | 6,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0398% | 2,151 |
| Return on assets (ROA) | 1.6169% | 796 |
| Pretax return on assets | 2.1116% | 488 |
| Return on Equity (ROE) | 11.7411% | 1,568 |
| Retained earnings to average equity (ytd only) | 9.1640% | 1,068 |
| Net charge-offs to loans | -0.0619% | 6,341 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0733% | 6,277 |
| Assets per employee ($millions) | 11.2121% | 170 |
| Cash dividends to net income (ytd only)* | 21.9492% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,547 |
| Loan loss allowance to noncurrent loans | 28.7797% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 1.2053% | 3,335 |
| Noncurrent loans to loans | 6.1333% | 444 |
| Net loans and leases to total assets | 18.8972% | 6,810 |
| Net loans and leases to deposits | 21.6706% | 6,823 |
| Net loans and leases to core deposits | 26.5232% | 6,771 |
| Total domestic deposits to total assets | 87.2020% | 2,709 |
| Equity capital to assets | 12.5553% | 1,543 |
| Core capital (leverage) ratio | 12.8360% | 1,237 |
| Tier 1 risk-based capital ratio | 35.5230% | 323 |
| Total risk-based capital ratio | 36.4870% | 326 |
| Memoranda: | ||
| Average total assets | $145,955,000 | 3,842 |
| Average earning assets | $138,070,330 | 3,752 |
| Average equity | $20,100,330 | 3,194 |
| Average total loans | $29,079,670 | 5,888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3051% | 6,148 |
| Cost of funding earning assets | 0.5447% | 3,623 |
| Net interest margin | 2.7603% | 6,112 |
| Noninterest income to average assets | 0.3076% | 5,226 |
| Noninterest expense to average assets | 1.4212% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1677% | 1,618 |
| Return on assets (ROA) | 1.1677% | 1,729 |
| Pretax return on assets | 1.4553% | 1,697 |
| Return on Equity (ROE) | 8.0802% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.5182% | 2,950 |
| Net charge-offs to loans | -0.1122% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4059% | 6,535 |
| Assets per employee ($millions) | 10.7071% | 185 |
| Cash dividends to net income (ytd only)* | 31.7073% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 2,447 |
| Loan loss allowance to noncurrent loans | 39.5833% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 4,069 |
| Noncurrent loans to loans | 4.6746% | 864 |
| Net loans and leases to total assets | 18.8253% | 6,876 |
| Net loans and leases to deposits | 21.9422% | 6,886 |
| Net loans and leases to core deposits | 26.2485% | 6,833 |
| Total domestic deposits to total assets | 85.7951% | 3,638 |
| Equity capital to assets | 13.6365% | 1,165 |
| Core capital (leverage) ratio | 13.2748% | 1,020 |
| Tier 1 risk-based capital ratio | 35.7499% | 324 |
| Total risk-based capital ratio | 36.7509% | 326 |
| Memoranda: | ||
| Average total assets | $140,447,500 | 3,975 |
| Average earning assets | $130,708,500 | 3,925 |
| Average equity | $20,296,500 | 3,216 |
| Average total loans | $28,521,500 | 5,955 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 6,077 |
| Cost of funding earning assets | 0.6909% | 3,566 |
| Net interest margin | 2.9956% | 6,061 |
| Noninterest income to average assets | 0.2750% | 5,494 |
| Noninterest expense to average assets | 1.5387% | 6,846 |
| Loan and lease loss provision to assets | -0.0113% | 6,822 |
| Net operating income to assets | 1.2511% | 1,447 |
| Return on assets (ROA) | 1.2758% | 1,528 |
| Pretax return on assets | 1.5898% | 1,414 |
| Return on Equity (ROE) | 8.5970% | 2,830 |
| Retained earnings to average equity (ytd only) | 4.7593% | 2,877 |
| Net charge-offs to loans | 0.1415% | 4,281 |
| Credit loss provision to net charge-offs | -38.4615% | 6,267 |
| Earnings coverage of net charge-offs (x) | 52.8205% | 659 |
| Efficiency ratio | 49.8539% | 6,599 |
| Assets per employee ($millions) | 9.3569% | 292 |
| Cash dividends to net income (ytd only)* | 44.6408% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 2,434 |
| Loan loss allowance to noncurrent loans | 63.5922% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 4,817 |
| Noncurrent loans to loans | 2.9125% | 1,799 |
| Net loans and leases to total assets | 21.1976% | 6,910 |
| Net loans and leases to deposits | 25.2228% | 6,910 |
| Net loans and leases to core deposits | 30.9324% | 6,829 |
| Total domestic deposits to total assets | 84.0415% | 4,298 |
| Equity capital to assets | 15.3837% | 660 |
| Core capital (leverage) ratio | 14.3060% | 718 |
| Tier 1 risk-based capital ratio | 38.7964% | 252 |
| Total risk-based capital ratio | 39.8823% | 251 |
| Memoranda: | ||
| Average total assets | $133,095,800 | 4,081 |
| Average earning assets | $124,917,800 | 3,998 |
| Average equity | $19,751,000 | 3,225 |
| Average total loans | $27,570,000 | 6,056 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 6,281 |
| Cost of funding earning assets | 0.7049% | 3,715 |
| Net interest margin | 2.9638% | 6,246 |
| Noninterest income to average assets | 0.2614% | 5,695 |
| Noninterest expense to average assets | 1.4997% | 6,939 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2006% | 1,737 |
| Return on assets (ROA) | 1.2333% | 1,795 |
| Pretax return on assets | 1.5766% | 1,653 |
| Return on Equity (ROE) | 8.3862% | 3,088 |
| Retained earnings to average equity (ytd only) | 5.7469% | 2,869 |
| Net charge-offs to loans | 0.2726% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 27.4661% | 1,183 |
| Efficiency ratio | 49.4245% | 6,631 |
| Assets per employee ($millions) | 9.5799% | 273 |
| Cash dividends to net income (ytd only)* | 31.4722% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 2,545 |
| Loan loss allowance to noncurrent loans | 65.9924% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 5,107 |
| Noncurrent loans to loans | 2.8483% | 1,977 |
| Net loans and leases to total assets | 20.3172% | 7,023 |
| Net loans and leases to deposits | 24.1552% | 7,034 |
| Net loans and leases to core deposits | 30.6734% | 6,958 |
| Total domestic deposits to total assets | 84.1110% | 4,166 |
| Equity capital to assets | 15.0390% | 814 |
| Core capital (leverage) ratio | 14.1316% | 788 |
| Tier 1 risk-based capital ratio | 39.7694% | 251 |
| Total risk-based capital ratio | 40.8839% | 246 |
| Memoranda: | ||
| Average total assets | $133,620,750 | 4,104 |
| Average earning assets | $125,017,500 | 4,040 |
| Average equity | $19,650,750 | 3,272 |
| Average total loans | $27,389,500 | 6,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 6,211 |
| Cost of funding earning assets | 0.7527% | 3,584 |
| Net interest margin | 3.0158% | 6,210 |
| Noninterest income to average assets | 0.2623% | 5,704 |
| Noninterest expense to average assets | 1.3847% | 7,060 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2785% | 1,493 |
| Return on assets (ROA) | 1.3263% | 1,518 |
| Pretax return on assets | 1.7384% | 1,163 |
| Return on Equity (ROE) | 9.0873% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.4279% | 2,420 |
| Net charge-offs to loans | 0.4622% | 2,219 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.7460% | 1,514 |
| Efficiency ratio | 45.2498% | 6,912 |
| Assets per employee ($millions) | 9.7249% | 252 |
| Cash dividends to net income (ytd only)* | 29.2655% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,610 |
| Loan loss allowance to noncurrent loans | 73.0496% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 5,364 |
| Noncurrent loans to loans | 2.5757% | 2,336 |
| Net loans and leases to total assets | 19.7256% | 7,086 |
| Net loans and leases to deposits | 23.2979% | 7,098 |
| Net loans and leases to core deposits | 27.3700% | 7,067 |
| Total domestic deposits to total assets | 84.6667% | 4,021 |
| Equity capital to assets | 14.5885% | 894 |
| Core capital (leverage) ratio | 13.6594% | 916 |
| Tier 1 risk-based capital ratio | 38.1600% | 275 |
| Total risk-based capital ratio | 39.2276% | 270 |
| Memoranda: | ||
| Average total assets | $133,455,000 | 4,130 |
| Average earning assets | $123,814,330 | 4,086 |
| Average equity | $19,477,670 | 3,287 |
| Average total loans | $27,262,330 | 6,194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 6,354 |
| Cost of funding earning assets | 0.7729% | 3,682 |
| Net interest margin | 2.9748% | 6,347 |
| Noninterest income to average assets | 0.3149% | 5,350 |
| Noninterest expense to average assets | 1.4079% | 7,112 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2959% | 1,468 |
| Return on assets (ROA) | 1.2959% | 1,638 |
| Pretax return on assets | 1.6804% | 1,358 |
| Return on Equity (ROE) | 8.8771% | 2,879 |
| Retained earnings to average equity (ytd only) | 6.1808% | 2,848 |
| Net charge-offs to loans | 1.1614% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.0253% | 2,123 |
| Efficiency ratio | 45.5882% | 6,922 |
| Assets per employee ($millions) | 9.8040% | 253 |
| Cash dividends to net income (ytd only)* | 30.3738% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 2,764 |
| Loan loss allowance to noncurrent loans | 51.4433% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,029 |
| Noncurrent loans to loans | 3.6390% | 1,704 |
| Net loans and leases to total assets | 19.0571% | 7,156 |
| Net loans and leases to deposits | 22.3679% | 7,163 |
| Net loans and leases to core deposits | 26.2013% | 7,125 |
| Total domestic deposits to total assets | 85.1985% | 3,932 |
| Equity capital to assets | 14.1808% | 954 |
| Core capital (leverage) ratio | 13.3006% | 1,024 |
| Tier 1 risk-based capital ratio | 36.6712% | 296 |
| Total risk-based capital ratio | 37.6833% | 294 |
| Memoranda: | ||
| Average total assets | $132,108,500 | 4,186 |
| Average earning assets | $123,168,500 | 4,134 |
| Average equity | $19,285,500 | 3,312 |
| Average total loans | $27,208,000 | 6,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 6,804 |
| Cost of funding earning assets | 1.3045% | 1,467 |
| Net interest margin | 2.4337% | 7,087 |
| Noninterest income to average assets | 0.3548% | 4,966 |
| Noninterest expense to average assets | 1.4781% | 7,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9567% | 2,379 |
| Return on assets (ROA) | 0.9701% | 2,456 |
| Pretax return on assets | 1.2082% | 2,435 |
| Return on Equity (ROE) | 6.5328% | 3,625 |
| Retained earnings to average equity (ytd only) | 3.8384% | 3,480 |
| Net charge-offs to loans | -0.1773% | 7,203 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3672% | 6,381 |
| Assets per employee ($millions) | 8.4641% | 396 |
| Cash dividends to net income (ytd only)* | 41.2439% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0821% | 2,058 |
| Loan loss allowance to noncurrent loans | 37.4595% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 4,095 |
| Noncurrent loans to loans | 5.5584% | 946 |
| Net loans and leases to total assets | 21.4097% | 7,191 |
| Net loans and leases to deposits | 25.3739% | 7,197 |
| Net loans and leases to core deposits | 30.3747% | 7,146 |
| Total domestic deposits to total assets | 84.3771% | 4,152 |
| Equity capital to assets | 15.0495% | 768 |
| Core capital (leverage) ratio | 14.0188% | 822 |
| Tier 1 risk-based capital ratio | 37.1488% | 287 |
| Total risk-based capital ratio | 38.3563% | 282 |
| Memoranda: | ||
| Average total assets | $125,971,200 | 4,250 |
| Average earning assets | $119,819,600 | 4,135 |
| Average equity | $18,705,600 | 3,324 |
| Average total loans | $27,066,000 | 6,291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7284% | 6,908 |
| Cost of funding earning assets | 1.3579% | 1,425 |
| Net interest margin | 2.3705% | 7,186 |
| Noninterest income to average assets | 0.3457% | 5,096 |
| Noninterest expense to average assets | 1.4349% | 7,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9271% | 2,640 |
| Return on assets (ROA) | 0.9449% | 2,714 |
| Pretax return on assets | 1.1750% | 2,718 |
| Return on Equity (ROE) | 6.3851% | 3,830 |
| Retained earnings to average equity (ytd only) | 3.6763% | 4,134 |
| Net charge-offs to loans | -0.1140% | 7,190 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4508% | 6,343 |
| Assets per employee ($millions) | 8.9637% | 336 |
| Cash dividends to net income (ytd only)* | 42.4245% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0240% | 2,267 |
| Loan loss allowance to noncurrent loans | 40.7517% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 1.1411% | 4,506 |
| Noncurrent loans to loans | 4.9667% | 1,257 |
| Net loans and leases to total assets | 21.3312% | 7,267 |
| Net loans and leases to deposits | 25.4475% | 7,275 |
| Net loans and leases to core deposits | 28.7415% | 7,245 |
| Total domestic deposits to total assets | 83.8245% | 4,313 |
| Equity capital to assets | 15.2759% | 776 |
| Core capital (leverage) ratio | 13.8862% | 926 |
| Tier 1 risk-based capital ratio | 36.7174% | 308 |
| Total risk-based capital ratio | 37.8726% | 304 |
| Memoranda: | ||
| Average total assets | $125,723,750 | 4,281 |
| Average earning assets | $118,903,500 | 4,182 |
| Average equity | $18,605,250 | 3,338 |
| Average total loans | $26,892,500 | 6,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7211% | 6,997 |
| Cost of funding earning assets | 1.3997% | 1,420 |
| Net interest margin | 2.3215% | 7,272 |
| Noninterest income to average assets | 0.3593% | 5,011 |
| Noninterest expense to average assets | 1.4531% | 7,335 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8807% | 2,732 |
| Return on assets (ROA) | 0.9078% | 2,710 |
| Pretax return on assets | 1.1176% | 2,779 |
| Return on Equity (ROE) | 6.2008% | 3,860 |
| Retained earnings to average equity (ytd only) | 3.4642% | 4,044 |
| Net charge-offs to loans | -0.0523% | 7,036 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2682% | 6,260 |
| Assets per employee ($millions) | 9.3899% | 287 |
| Cash dividends to net income (ytd only)* | 44.1331% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 2,341 |
| Loan loss allowance to noncurrent loans | 55.8212% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 5,320 |
| Noncurrent loans to loans | 3.6010% | 1,955 |
| Net loans and leases to total assets | 19.9136% | 7,370 |
| Net loans and leases to deposits | 23.4242% | 7,379 |
| Net loans and leases to core deposits | 26.2523% | 7,359 |
| Total domestic deposits to total assets | 85.0127% | 3,874 |
| Equity capital to assets | 14.2700% | 1,004 |
| Core capital (leverage) ratio | 13.3966% | 1,027 |
| Tier 1 risk-based capital ratio | 35.0061% | 347 |
| Total risk-based capital ratio | 36.0876% | 347 |
| Memoranda: | ||
| Average total assets | $125,801,000 | 4,307 |
| Average earning assets | $118,028,330 | 4,231 |
| Average equity | $18,417,000 | 3,346 |
| Average total loans | $26,749,330 | 6,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 6,990 |
| Cost of funding earning assets | 1.4160% | 1,531 |
| Net interest margin | 2.3518% | 7,286 |
| Noninterest income to average assets | 0.3546% | 5,060 |
| Noninterest expense to average assets | 1.5255% | 7,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8346% | 2,859 |
| Return on assets (ROA) | 0.8913% | 2,670 |
| Pretax return on assets | 1.0799% | 2,831 |
| Return on Equity (ROE) | 6.0068% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.2445% | 4,230 |
| Net charge-offs to loans | -0.7024% | 7,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1282% | 5,966 |
| Assets per employee ($millions) | 8.6732% | 365 |
| Cash dividends to net income (ytd only)* | 45.9854% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2043% | 1,955 |
| Loan loss allowance to noncurrent loans | 138.7019% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,260 |
| Noncurrent loans to loans | 1.5892% | 4,102 |
| Net loans and leases to total assets | 19.6767% | 7,425 |
| Net loans and leases to deposits | 23.0748% | 7,442 |
| Net loans and leases to core deposits | 25.8861% | 7,417 |
| Total domestic deposits to total assets | 85.2734% | 3,902 |
| Equity capital to assets | 14.1424% | 965 |
| Core capital (leverage) ratio | 13.7038% | 915 |
| Tier 1 risk-based capital ratio | 37.3079% | 290 |
| Total risk-based capital ratio | 38.5586% | 284 |
| Memoranda: | ||
| Average total assets | $122,972,500 | 4,393 |
| Average earning assets | $114,126,500 | 4,353 |
| Average equity | $18,246,000 | 3,365 |
| Average total loans | $26,766,500 | 6,486 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 7,166 |
| Cost of funding earning assets | 1.5954% | 2,095 |
| Net interest margin | 2.3514% | 7,343 |
| Noninterest income to average assets | 0.3901% | 4,978 |
| Noninterest expense to average assets | 1.5348% | 7,431 |
| Loan and lease loss provision to assets | 0.0121% | 6,973 |
| Net operating income to assets | 0.8474% | 2,598 |
| Return on assets (ROA) | 0.8794% | 2,607 |
| Pretax return on assets | 1.0866% | 2,631 |
| Return on Equity (ROE) | 6.1570% | 3,545 |
| Retained earnings to average equity (ytd only) | 3.3127% | 3,546 |
| Net charge-offs to loans | 0.1943% | 5,133 |
| Credit loss provision to net charge-offs | 27.7778% | 6,508 |
| Earnings coverage of net charge-offs (x) | 24.3333% | 867 |
| Efficiency ratio | 59.1672% | 6,166 |
| Assets per employee ($millions) | 7.7231% | 541 |
| Cash dividends to net income (ytd only)* | 46.1962% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 2,451 |
| Loan loss allowance to noncurrent loans | 108.3845% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 6,018 |
| Noncurrent loans to loans | 1.7875% | 3,833 |
| Net loans and leases to total assets | 23.1573% | 7,485 |
| Net loans and leases to deposits | 27.6024% | 7,491 |
| Net loans and leases to core deposits | 29.2842% | 7,481 |
| Total domestic deposits to total assets | 83.8960% | 4,400 |
| Equity capital to assets | 15.6180% | 656 |
| Core capital (leverage) ratio | 14.1550% | 814 |
| Tier 1 risk-based capital ratio | 39.3833% | 248 |
| Total risk-based capital ratio | 40.6065% | 244 |
| Memoranda: | ||
| Average total assets | $124,057,000 | 4,399 |
| Average earning assets | $116,272,200 | 4,310 |
| Average equity | $17,719,600 | 3,470 |
| Average total loans | $27,795,800 | 6,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 7,339 |
| Cost of funding earning assets | 1.6869% | 1,940 |
| Net interest margin | 2.2137% | 7,513 |
| Noninterest income to average assets | 0.3679% | 5,208 |
| Noninterest expense to average assets | 1.4706% | 7,560 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7695% | 3,134 |
| Return on assets (ROA) | 0.8109% | 3,105 |
| Pretax return on assets | 1.0150% | 3,129 |
| Return on Equity (ROE) | 5.8018% | 3,902 |
| Retained earnings to average equity (ytd only) | 4.6067% | 3,256 |
| Net charge-offs to loans | -0.0478% | 7,464 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4257% | 5,886 |
| Assets per employee ($millions) | 8.3012% | 451 |
| Cash dividends to net income (ytd only)* | 20.5996% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1237% | 1,944 |
| Loan loss allowance to noncurrent loans | 51.7889% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9742% | 5,138 |
| Noncurrent loans to loans | 4.1006% | 1,807 |
| Net loans and leases to total assets | 21.4306% | 7,604 |
| Net loans and leases to deposits | 25.2419% | 7,625 |
| Net loans and leases to core deposits | 27.4097% | 7,603 |
| Total domestic deposits to total assets | 84.9010% | 3,668 |
| Equity capital to assets | 14.4606% | 1,030 |
| Core capital (leverage) ratio | 13.6702% | 1,002 |
| Tier 1 risk-based capital ratio | 38.9050% | 272 |
| Total risk-based capital ratio | 40.1569% | 261 |
| Memoranda: | ||
| Average total assets | $126,109,500 | 4,412 |
| Average earning assets | $117,689,000 | 4,340 |
| Average equity | $17,626,250 | 3,530 |
| Average total loans | $27,905,500 | 6,597 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 7,382 |
| Cost of funding earning assets | 1.8638% | 1,359 |
| Net interest margin | 2.1154% | 7,612 |
| Noninterest income to average assets | 0.3759% | 5,118 |
| Noninterest expense to average assets | 1.4498% | 7,636 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6953% | 3,422 |
| Return on assets (ROA) | 0.7502% | 3,349 |
| Pretax return on assets | 0.9476% | 3,318 |
| Return on Equity (ROE) | 5.4287% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.5258% | 3,190 |
| Net charge-offs to loans | 0.6757% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.8526% | 2,582 |
| Efficiency ratio | 62.2795% | 5,643 |
| Assets per employee ($millions) | 8.5080% | 414 |
| Cash dividends to net income (ytd only)* | 16.6316% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 2,859 |
| Loan loss allowance to noncurrent loans | 36.4896% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 5,106 |
| Noncurrent loans to loans | 4.8195% | 1,469 |
| Net loans and leases to total assets | 20.7483% | 7,678 |
| Net loans and leases to deposits | 24.2924% | 7,702 |
| Net loans and leases to core deposits | 26.2413% | 7,689 |
| Total domestic deposits to total assets | 85.4106% | 3,415 |
| Equity capital to assets | 13.9531% | 1,173 |
| Core capital (leverage) ratio | 13.1028% | 1,174 |
| Tier 1 risk-based capital ratio | 35.9547% | 326 |
| Total risk-based capital ratio | 36.9662% | 322 |
| Memoranda: | ||
| Average total assets | $126,640,000 | 4,433 |
| Average earning assets | $116,857,670 | 4,395 |
| Average equity | $17,499,670 | 3,545 |
| Average total loans | $28,119,330 | 6,627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 7,523 |
| Cost of funding earning assets | 1.8193% | 1,799 |
| Net interest margin | 2.0792% | 7,695 |
| Noninterest income to average assets | 0.3805% | 5,091 |
| Noninterest expense to average assets | 1.4269% | 7,749 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7401% | 3,261 |
| Return on assets (ROA) | 0.7927% | 3,112 |
| Pretax return on assets | 0.9988% | 3,096 |
| Return on Equity (ROE) | 5.7650% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.7650% | 2,731 |
| Net charge-offs to loans | -0.3205% | 7,754 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4839% | 6,083 |
| Assets per employee ($millions) | 8.7917% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 1,949 |
| Loan loss allowance to noncurrent loans | 35.9005% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 4,680 |
| Noncurrent loans to loans | 5.8579% | 1,138 |
| Net loans and leases to total assets | 20.8969% | 7,775 |
| Net loans and leases to deposits | 24.2283% | 7,801 |
| Net loans and leases to core deposits | 26.5351% | 7,780 |
| Total domestic deposits to total assets | 86.2500% | 3,008 |
| Equity capital to assets | 13.2549% | 1,415 |
| Core capital (leverage) ratio | 12.8476% | 1,274 |
| Tier 1 risk-based capital ratio | 34.5033% | 368 |
| Total risk-based capital ratio | 35.7262% | 362 |
| Memoranda: | ||
| Average total assets | $126,150,000 | 4,496 |
| Average earning assets | $120,046,500 | 4,372 |
| Average equity | $17,346,000 | 3,593 |
| Average total loans | $28,702,500 | 6,677 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7705% | 7,004 |
| Cost of funding earning assets | 1.8942% | 3,491 |
| Net interest margin | 2.8763% | 6,904 |
| Noninterest income to average assets | 0.2883% | 6,047 |
| Noninterest expense to average assets | 1.7297% | 7,672 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9693% | 1,945 |
| Return on assets (ROA) | 1.0275% | 1,798 |
| Pretax return on assets | 1.3845% | 1,472 |
| Return on Equity (ROE) | 6.7609% | 2,885 |
| Retained earnings to average equity (ytd only) | 3.9364% | 2,450 |
| Net charge-offs to loans | -0.3009% | 7,928 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9812% | 6,890 |
| Assets per employee ($millions) | 8.0283% | 507 |
| Cash dividends to net income (ytd only)* | 41.7766% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 2,155 |
| Loan loss allowance to noncurrent loans | 30.4930% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 3,989 |
| Noncurrent loans to loans | 6.3784% | 954 |
| Net loans and leases to total assets | 23.8208% | 7,811 |
| Net loans and leases to deposits | 27.9169% | 7,838 |
| Net loans and leases to core deposits | 32.7660% | 7,847 |
| Total domestic deposits to total assets | 85.3277% | 3,399 |
| Equity capital to assets | 14.2928% | 1,081 |
| Core capital (leverage) ratio | 14.5024% | 880 |
| Tier 1 risk-based capital ratio | 34.3731% | 356 |
| Total risk-based capital ratio | 35.5619% | 353 |
| Memoranda: | ||
| Average total assets | $110,656,600 | 4,806 |
| Average earning assets | $105,692,000 | 4,689 |
| Average equity | $16,817,200 | 3,708 |
| Average total loans | $28,911,000 | 6,695 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 6,541 |
| Cost of funding earning assets | 1.9782% | 3,475 |
| Net interest margin | 3.0443% | 6,480 |
| Noninterest income to average assets | 0.2846% | 6,196 |
| Noninterest expense to average assets | 1.7545% | 7,705 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0485% | 1,907 |
| Return on assets (ROA) | 1.0485% | 1,969 |
| Pretax return on assets | 1.4292% | 1,626 |
| Return on Equity (ROE) | 6.7867% | 3,172 |
| Retained earnings to average equity (ytd only) | 5.5267% | 2,189 |
| Net charge-offs to loans | -0.3700% | 8,008 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1084% | 7,106 |
| Assets per employee ($millions) | 7.1848% | 727 |
| Cash dividends to net income (ytd only)* | 18.5662% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 2,093 |
| Loan loss allowance to noncurrent loans | 34.4152% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 4,020 |
| Noncurrent loans to loans | 5.4457% | 1,148 |
| Net loans and leases to total assets | 27.3030% | 7,860 |
| Net loans and leases to deposits | 32.8349% | 7,875 |
| Net loans and leases to core deposits | 38.8182% | 7,866 |
| Total domestic deposits to total assets | 83.1524% | 4,148 |
| Equity capital to assets | 15.6813% | 854 |
| Core capital (leverage) ratio | 15.0975% | 837 |
| Tier 1 risk-based capital ratio | 37.6720% | 319 |
| Total risk-based capital ratio | 38.9244% | 308 |
| Memoranda: | ||
| Average total assets | $108,214,750 | 4,909 |
| Average earning assets | $103,054,500 | 4,786 |
| Average equity | $16,718,500 | 3,765 |
| Average total loans | $28,825,000 | 6,752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 6,215 |
| Cost of funding earning assets | 2.0359% | 3,594 |
| Net interest margin | 3.1272% | 6,162 |
| Noninterest income to average assets | 0.2842% | 6,232 |
| Noninterest expense to average assets | 1.7663% | 7,779 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0649% | 1,893 |
| Return on assets (ROA) | 1.0649% | 1,968 |
| Pretax return on assets | 1.4691% | 1,533 |
| Return on Equity (ROE) | 6.9276% | 3,237 |
| Retained earnings to average equity (ytd only) | 5.9791% | 2,032 |
| Net charge-offs to loans | -1.0690% | 8,125 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5921% | 7,270 |
| Assets per employee ($millions) | 7.2702% | 680 |
| Cash dividends to net income (ytd only)* | 13.6915% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2756% | 1,134 |
| Loan loss allowance to noncurrent loans | 46.4809% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 4,354 |
| Noncurrent loans to loans | 4.8957% | 1,273 |
| Net loans and leases to total assets | 24.9668% | 7,979 |
| Net loans and leases to deposits | 29.5637% | 8,000 |
| Net loans and leases to core deposits | 34.1571% | 8,003 |
| Total domestic deposits to total assets | 84.4507% | 3,523 |
| Equity capital to assets | 15.1715% | 993 |
| Core capital (leverage) ratio | 14.6951% | 976 |
| Tier 1 risk-based capital ratio | 40.6976% | 293 |
| Total risk-based capital ratio | 41.9544% | 286 |
| Memoranda: | ||
| Average total assets | $108,362,330 | 4,931 |
| Average earning assets | $102,263,670 | 4,829 |
| Average equity | $16,658,000 | 3,784 |
| Average total loans | $28,437,670 | 6,822 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 6,171 |
| Cost of funding earning assets | 2.0740% | 3,778 |
| Net interest margin | 3.1621% | 5,977 |
| Noninterest income to average assets | 0.2814% | 6,178 |
| Noninterest expense to average assets | 1.7553% | 7,756 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0850% | 2,014 |
| Return on assets (ROA) | 1.0850% | 2,145 |
| Pretax return on assets | 1.5072% | 1,648 |
| Return on Equity (ROE) | 7.0119% | 3,589 |
| Retained earnings to average equity (ytd only) | 7.0119% | 2,205 |
| Net charge-offs to loans | -1.0583% | 8,162 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8025% | 7,238 |
| Assets per employee ($millions) | 7.5092% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 1,481 |
| Loan loss allowance to noncurrent loans | 60.1942% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 5,025 |
| Noncurrent loans to loans | 3.2727% | 1,964 |
| Net loans and leases to total assets | 24.6515% | 8,028 |
| Net loans and leases to deposits | 29.3148% | 8,049 |
| Net loans and leases to core deposits | 33.7745% | 8,049 |
| Total domestic deposits to total assets | 84.0924% | 3,661 |
| Equity capital to assets | 15.1370% | 1,064 |
| Core capital (leverage) ratio | 14.5966% | 1,058 |
| Tier 1 risk-based capital ratio | 38.7467% | 342 |
| Total risk-based capital ratio | 39.9971% | 340 |
| Memoranda: | ||
| Average total assets | $108,017,000 | 4,952 |
| Average earning assets | $101,831,500 | 4,865 |
| Average equity | $16,714,500 | 3,789 |
| Average total loans | $28,726,000 | 6,832 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 6,121 |
| Cost of funding earning assets | 2.6866% | 3,224 |
| Net interest margin | 3.1966% | 6,377 |
| Noninterest income to average assets | 0.2930% | 6,367 |
| Noninterest expense to average assets | 1.6872% | 7,882 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1846% | 1,829 |
| Return on assets (ROA) | 1.1846% | 1,757 |
| Pretax return on assets | 1.6891% | 1,167 |
| Return on Equity (ROE) | 7.7580% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.4350% | 2,366 |
| Net charge-offs to loans | 0.5773% | 2,086 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.6159% | 2,487 |
| Efficiency ratio | 49.9713% | 7,666 |
| Assets per employee ($millions) | 6.8931% | 744 |
| Cash dividends to net income (ytd only)* | 42.8337% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,041 |
| Loan loss allowance to noncurrent loans | 59.3596% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 4,765 |
| Noncurrent loans to loans | 2.7878% | 1,952 |
| Net loans and leases to total assets | 27.7042% | 8,042 |
| Net loans and leases to deposits | 33.1616% | 8,078 |
| Net loans and leases to core deposits | 39.1181% | 8,066 |
| Total domestic deposits to total assets | 83.5429% | 3,559 |
| Equity capital to assets | 15.8410% | 973 |
| Core capital (leverage) ratio | 14.9466% | 1,052 |
| Tier 1 risk-based capital ratio | 38.5507% | 362 |
| Total risk-based capital ratio | 39.7275% | 357 |
| Memoranda: | ||
| Average total assets | $103,073,000 | 4,958 |
| Average earning assets | $99,418,400 | 4,819 |
| Average equity | $15,738,600 | 3,985 |
| Average total loans | $28,406,000 | 6,807 |