Home > Lea County State Bank > Performance and Condition Ratios
Lea County 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 | 4.6014% | 2,890 |
| Cost of funding earning assets | 1.3344% | 2,413 |
| Net interest margin | 3.2670% | 2,715 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.1454% | 3,274 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.4016% | 1,212 |
| Return on assets (ROA) | 1.2521% | 1,508 |
| Pretax return on assets | 1.2521% | 2,003 |
| Return on Equity (ROE) | 27.1500% | 244 |
| Retained earnings to average equity (ytd only) | 18.5921% | 168 |
| Net charge-offs to loans | 0.0737% | 1,120 |
| Credit loss provision to net charge-offs | 211.7647% | 1,184 |
| Earnings coverage of net charge-offs (x) | 52.2588% | 1,267 |
| Efficiency ratio | 59.4930% | 3,137 |
| Assets per employee ($millions) | 8.2321% | 1,318 |
| Cash dividends to net income (ytd only)* | 31.5167% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 3,963 |
| Loan loss allowance to noncurrent loans | 197.7574% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 2,537 |
| Noncurrent loans to loans | 0.4043% | 1,774 |
| Net loans and leases to total assets | 36.1000% | 4,152 |
| Net loans and leases to deposits | 44.6460% | 4,085 |
| Net loans and leases to core deposits | 48.3971% | 4,112 |
| Total domestic deposits to total assets | 80.8600% | 3,330 |
| Equity capital to assets | 5.4430% | 4,348 |
| Core capital (leverage) ratio | 8.7252% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8979% | 805 |
| Memoranda: | ||
| Average total assets | $608,171,600 | 1,460 |
| Average earning assets | $578,691,600 | 1,424 |
| Average equity | $28,049,600 | 2,358 |
| Average total loans | $230,561,800 | 2,100 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 3,056 |
| Cost of funding earning assets | 1.2163% | 2,377 |
| Net interest margin | 3.2075% | 2,900 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 1.9344% | 3,744 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5051% | 1,114 |
| Return on assets (ROA) | 1.3472% | 1,413 |
| Pretax return on assets | 1.3472% | 1,906 |
| Return on Equity (ROE) | 30.7700% | 208 |
| Retained earnings to average equity (ytd only) | 21.5321% | 211 |
| Net charge-offs to loans | 0.0979% | 797 |
| Credit loss provision to net charge-offs | 279.6407% | 926 |
| Earnings coverage of net charge-offs (x) | 42.9162% | 1,407 |
| Efficiency ratio | 54.5760% | 3,540 |
| Assets per employee ($millions) | 8.0156% | 1,340 |
| Cash dividends to net income (ytd only)* | 30.0150% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 3,762 |
| Loan loss allowance to noncurrent loans | 212.2153% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,535 |
| Noncurrent loans to loans | 0.4193% | 1,783 |
| Net loans and leases to total assets | 37.0000% | 4,155 |
| Net loans and leases to deposits | 45.6505% | 4,059 |
| Net loans and leases to core deposits | 48.7463% | 4,070 |
| Total domestic deposits to total assets | 81.0400% | 3,378 |
| Equity capital to assets | 3.5553% | 4,452 |
| Core capital (leverage) ratio | 8.7435% | 3,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6424% | 738 |
| Memoranda: | ||
| Average total assets | $593,514,250 | 1,498 |
| Average earning assets | $563,659,250 | 1,451 |
| Average equity | $25,988,500 | 2,449 |
| Average total loans | $227,540,750 | 2,114 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,502 |
| Cost of funding earning assets | 1.0985% | 2,284 |
| Net interest margin | 2.9969% | 3,438 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.8801% | 3,860 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.3473% | 1,457 |
| Return on assets (ROA) | 1.1072% | 2,096 |
| Pretax return on assets | 1.1072% | 2,626 |
| Return on Equity (ROE) | 23.7200% | 447 |
| Retained earnings to average equity (ytd only) | 14.9395% | 568 |
| Net charge-offs to loans | 0.1042% | 663 |
| Credit loss provision to net charge-offs | 252.5424% | 953 |
| Earnings coverage of net charge-offs (x) | 35.9576% | 1,465 |
| Efficiency ratio | 56.4731% | 3,361 |
| Assets per employee ($millions) | 7.8424% | 1,392 |
| Cash dividends to net income (ytd only)* | 37.0142% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 3,896 |
| Loan loss allowance to noncurrent loans | 123.1653% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 1,951 |
| Noncurrent loans to loans | 0.6914% | 1,084 |
| Net loans and leases to total assets | 35.8100% | 4,180 |
| Net loans and leases to deposits | 43.8900% | 4,102 |
| Net loans and leases to core deposits | 46.7041% | 4,111 |
| Total domestic deposits to total assets | 81.6000% | 3,312 |
| Equity capital to assets | 4.5974% | 4,435 |
| Core capital (leverage) ratio | 9.1487% | 3,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9262% | 826 |
| Memoranda: | ||
| Average total assets | $585,619,667 | 1,513 |
| Average earning assets | $555,315,000 | 1,480 |
| Average equity | $27,337,000 | 2,398 |
| Average total loans | $226,592,667 | 2,115 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,530 |
| Cost of funding earning assets | 0.9080% | 2,347 |
| Net interest margin | 3.0516% | 3,458 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.7375% | 4,140 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.5632% | 1,053 |
| Return on assets (ROA) | 1.0653% | 2,303 |
| Pretax return on assets | 1.0653% | 2,811 |
| Return on Equity (ROE) | 22.6300% | 537 |
| Retained earnings to average equity (ytd only) | 13.6024% | 995 |
| Net charge-offs to loans | 0.0989% | 601 |
| Credit loss provision to net charge-offs | 207.1429% | 815 |
| Earnings coverage of net charge-offs (x) | 41.4821% | 1,176 |
| Efficiency ratio | 51.3610% | 3,826 |
| Assets per employee ($millions) | 7.3820% | 1,691 |
| Cash dividends to net income (ytd only)* | 39.8936% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,118 |
| Loan loss allowance to noncurrent loans | 52.6010% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 838 |
| Noncurrent loans to loans | 1.4881% | 436 |
| Net loans and leases to total assets | 40.3600% | 4,027 |
| Net loans and leases to deposits | 46.2623% | 4,032 |
| Net loans and leases to core deposits | 49.2639% | 4,009 |
| Total domestic deposits to total assets | 87.2400% | 2,177 |
| Equity capital to assets | 5.2071% | 4,385 |
| Core capital (leverage) ratio | 9.4348% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4310% | 919 |
| Memoranda: | ||
| Average total assets | $564,733,500 | 1,586 |
| Average earning assets | $534,809,500 | 1,555 |
| Average equity | $26,583,500 | 2,456 |
| Average total loans | $226,574,500 | 2,133 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1618% | 3,886 |
| Cost of funding earning assets | 0.3796% | 2,262 |
| Net interest margin | 2.7822% | 3,925 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.1626% | 3,117 |
| Loan and lease loss provision to assets | -0.1100% | 4,542 |
| Net operating income to assets | 1.0467% | 2,389 |
| Return on assets (ROA) | 0.8143% | 3,208 |
| Pretax return on assets | 0.8143% | 3,589 |
| Return on Equity (ROE) | 14.5500% | 1,385 |
| Retained earnings to average equity (ytd only) | 6.3145% | 2,530 |
| Net charge-offs to loans | -0.5268% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.7832% | 1,717 |
| Assets per employee ($millions) | 7.4807% | 1,630 |
| Cash dividends to net income (ytd only)* | 56.5898% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7584% | 4,119 |
| Loan loss allowance to noncurrent loans | 58.3160% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 989 |
| Noncurrent loans to loans | 1.3005% | 527 |
| Net loans and leases to total assets | 39.2500% | 4,092 |
| Net loans and leases to deposits | 46.0255% | 4,058 |
| Net loans and leases to core deposits | 48.6148% | 4,034 |
| Total domestic deposits to total assets | 85.2900% | 2,912 |
| Equity capital to assets | 4.2008% | 4,495 |
| Core capital (leverage) ratio | 9.0464% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3504% | 919 |
| Memoranda: | ||
| Average total assets | $580,517,800 | 1,538 |
| Average earning assets | $553,476,000 | 1,497 |
| Average equity | $32,496,800 | 2,221 |
| Average total loans | $200,089,000 | 2,231 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0179% | 3,859 |
| Cost of funding earning assets | 0.2597% | 2,605 |
| Net interest margin | 2.7582% | 3,818 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.0317% | 3,396 |
| Loan and lease loss provision to assets | -0.1700% | 4,653 |
| Net operating income to assets | 1.1771% | 1,786 |
| Return on assets (ROA) | 1.1719% | 1,772 |
| Pretax return on assets | 1.1719% | 2,485 |
| Return on Equity (ROE) | 19.7500% | 459 |
| Retained earnings to average equity (ytd only) | 12.1126% | 769 |
| Net charge-offs to loans | -0.7371% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.7765% | 2,182 |
| Assets per employee ($millions) | 7.7742% | 1,436 |
| Cash dividends to net income (ytd only)* | 38.6783% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 4,161 |
| Loan loss allowance to noncurrent loans | 279.8960% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,964 |
| Noncurrent loans to loans | 0.2712% | 2,287 |
| Net loans and leases to total assets | 36.2100% | 4,218 |
| Net loans and leases to deposits | 42.0074% | 4,181 |
| Net loans and leases to core deposits | 44.7210% | 4,154 |
| Total domestic deposits to total assets | 86.2000% | 3,020 |
| Equity capital to assets | 2.9391% | 4,596 |
| Core capital (leverage) ratio | 8.7743% | 3,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9203% | 871 |
| Memoranda: | ||
| Average total assets | $585,383,750 | 1,527 |
| Average earning assets | $559,184,500 | 1,485 |
| Average equity | $34,728,750 | 2,152 |
| Average total loans | $194,631,250 | 2,267 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8384% | 3,922 |
| Cost of funding earning assets | 0.1696% | 3,319 |
| Net interest margin | 2.6688% | 3,770 |
| Noninterest income to average assets | 0.3794% | 2,874 |
| Noninterest expense to average assets | 2.0315% | 3,344 |
| Loan and lease loss provision to assets | 0.0614% | 1,492 |
| Net operating income to assets | 0.8421% | 2,811 |
| Return on assets (ROA) | 0.8124% | 2,883 |
| Pretax return on assets | 0.8124% | 3,289 |
| Return on Equity (ROE) | 11.7312% | 1,749 |
| Retained earnings to average equity (ytd only) | 4.5870% | 2,849 |
| Net charge-offs to loans | -0.0594% | 4,305 |
| Credit loss provision to net charge-offs | -321.4286% | 3,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2165% | 2,074 |
| Assets per employee ($millions) | 7.7699% | 1,432 |
| Cash dividends to net income (ytd only)* | 60.8988% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,242 |
| Loan loss allowance to noncurrent loans | 680.9955% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,612 |
| Noncurrent loans to loans | 0.1113% | 3,187 |
| Net loans and leases to total assets | 32.9251% | 4,372 |
| Net loans and leases to deposits | 37.9003% | 4,339 |
| Net loans and leases to core deposits | 40.5462% | 4,305 |
| Total domestic deposits to total assets | 86.8728% | 2,983 |
| Equity capital to assets | 4.3749% | 4,577 |
| Core capital (leverage) ratio | 8.7156% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4094% | 935 |
| Memoranda: | ||
| Average total assets | $586,155,667 | 1,530 |
| Average earning assets | $561,299,333 | 1,493 |
| Average equity | $40,592,667 | 1,972 |
| Average total loans | $188,595,667 | 2,312 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6579% | 4,013 |
| Cost of funding earning assets | 0.1515% | 3,489 |
| Net interest margin | 2.5064% | 3,900 |
| Noninterest income to average assets | 0.3606% | 2,929 |
| Noninterest expense to average assets | 2.1838% | 2,887 |
| Loan and lease loss provision to assets | 0.0621% | 1,302 |
| Net operating income to assets | 0.5220% | 3,647 |
| Return on assets (ROA) | 0.5165% | 3,634 |
| Pretax return on assets | 0.5165% | 3,842 |
| Return on Equity (ROE) | 6.2675% | 3,263 |
| Retained earnings to average equity (ytd only) | 1.4560% | 3,705 |
| Net charge-offs to loans | -0.0479% | 4,242 |
| Credit loss provision to net charge-offs | -409.0909% | 3,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8989% | 1,236 |
| Assets per employee ($millions) | 7.5505% | 1,652 |
| Cash dividends to net income (ytd only)* | 76.7690% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,321 |
| Loan loss allowance to noncurrent loans | 184.6257% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,913 |
| Noncurrent loans to loans | 0.4027% | 2,053 |
| Net loans and leases to total assets | 31.3087% | 4,409 |
| Net loans and leases to deposits | 35.8039% | 4,390 |
| Net loans and leases to core deposits | 38.2474% | 4,366 |
| Total domestic deposits to total assets | 87.4448% | 2,763 |
| Equity capital to assets | 6.3669% | 4,479 |
| Core capital (leverage) ratio | 8.7092% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2551% | 867 |
| Memoranda: | ||
| Average total assets | $580,094,000 | 1,558 |
| Average earning assets | $557,129,500 | 1,513 |
| Average equity | $47,802,000 | 1,795 |
| Average total loans | $183,649,000 | 2,348 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9896% | 3,892 |
| Cost of funding earning assets | 0.1218% | 4,206 |
| Net interest margin | 2.8678% | 3,518 |
| Noninterest income to average assets | 0.6144% | 2,097 |
| Noninterest expense to average assets | 2.2294% | 2,991 |
| Loan and lease loss provision to assets | 0.1371% | 886 |
| Net operating income to assets | 0.9834% | 2,741 |
| Return on assets (ROA) | 1.3770% | 1,404 |
| Pretax return on assets | 1.3770% | 2,119 |
| Return on Equity (ROE) | 13.1306% | 1,420 |
| Retained earnings to average equity (ytd only) | 5.9746% | 2,374 |
| Net charge-offs to loans | 0.6544% | 122 |
| Credit loss provision to net charge-offs | 64.3470% | 2,040 |
| Earnings coverage of net charge-offs (x) | 5.2593% | 2,456 |
| Efficiency ratio | 66.5515% | 2,183 |
| Assets per employee ($millions) | 7.6167% | 1,546 |
| Cash dividends to net income (ytd only)* | 54.4985% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6991% | 4,418 |
| Loan loss allowance to noncurrent loans | 176.4951% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 3,057 |
| Noncurrent loans to loans | 0.3961% | 2,170 |
| Net loans and leases to total assets | 31.5553% | 4,465 |
| Net loans and leases to deposits | 36.9909% | 4,447 |
| Net loans and leases to core deposits | 39.7146% | 4,400 |
| Total domestic deposits to total assets | 85.3054% | 3,173 |
| Equity capital to assets | 10.1719% | 2,500 |
| Core capital (leverage) ratio | 10.2717% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0175% | 648 |
| Memoranda: | ||
| Average total assets | $492,384,800 | 1,715 |
| Average earning assets | $469,668,200 | 1,688 |
| Average equity | $51,635,200 | 1,715 |
| Average total loans | $160,301,400 | 2,539 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0958% | 3,820 |
| Cost of funding earning assets | 0.1295% | 4,267 |
| Net interest margin | 2.9663% | 3,397 |
| Noninterest income to average assets | 0.6338% | 2,082 |
| Noninterest expense to average assets | 2.2315% | 2,970 |
| Loan and lease loss provision to assets | 0.0635% | 1,730 |
| Net operating income to assets | 1.1616% | 2,320 |
| Return on assets (ROA) | 1.7083% | 850 |
| Pretax return on assets | 1.7083% | 1,384 |
| Return on Equity (ROE) | 16.1434% | 920 |
| Retained earnings to average equity (ytd only) | 6.2937% | 2,699 |
| Net charge-offs to loans | 0.9067% | 76 |
| Credit loss provision to net charge-offs | 21.3472% | 1,985 |
| Earnings coverage of net charge-offs (x) | 4.1205% | 2,280 |
| Efficiency ratio | 64.5585% | 2,308 |
| Assets per employee ($millions) | 6.2226% | 2,480 |
| Cash dividends to net income (ytd only)* | 61.0139% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5814% | 4,643 |
| Loan loss allowance to noncurrent loans | 89.5490% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 2,837 |
| Noncurrent loans to loans | 0.6493% | 1,686 |
| Net loans and leases to total assets | 29.4315% | 4,606 |
| Net loans and leases to deposits | 35.7219% | 4,584 |
| Net loans and leases to core deposits | 36.9691% | 4,592 |
| Total domestic deposits to total assets | 82.3904% | 3,847 |
| Equity capital to assets | 10.5143% | 2,451 |
| Core capital (leverage) ratio | 9.4043% | 3,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2158% | 523 |
| Memoranda: | ||
| Average total assets | $472,668,000 | 1,785 |
| Average earning assets | $449,797,250 | 1,763 |
| Average equity | $50,017,250 | 1,780 |
| Average total loans | $154,994,500 | 2,625 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9643% | 4,106 |
| Cost of funding earning assets | 0.1436% | 4,259 |
| Net interest margin | 2.8207% | 3,746 |
| Noninterest income to average assets | 0.6255% | 2,102 |
| Noninterest expense to average assets | 2.1935% | 3,108 |
| Loan and lease loss provision to assets | 0.0635% | 1,768 |
| Net operating income to assets | 1.0529% | 2,706 |
| Return on assets (ROA) | 1.8731% | 645 |
| Pretax return on assets | 1.8731% | 1,070 |
| Return on Equity (ROE) | 17.6634% | 693 |
| Retained earnings to average equity (ytd only) | 9.4622% | 1,566 |
| Net charge-offs to loans | -0.0013% | 3,115 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2703% | 2,110 |
| Assets per employee ($millions) | 6.3872% | 2,244 |
| Cash dividends to net income (ytd only)* | 46.4302% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,170 |
| Loan loss allowance to noncurrent loans | 58.3035% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 1,291 |
| Noncurrent loans to loans | 1.9795% | 500 |
| Net loans and leases to total assets | 32.0744% | 4,589 |
| Net loans and leases to deposits | 40.1334% | 4,516 |
| Net loans and leases to core deposits | 41.5665% | 4,531 |
| Total domestic deposits to total assets | 79.9194% | 4,245 |
| Equity capital to assets | 10.6050% | 2,306 |
| Core capital (leverage) ratio | 9.8142% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4247% | 516 |
| Memoranda: | ||
| Average total assets | $472,584,333 | 1,778 |
| Average earning assets | $449,745,000 | 1,759 |
| Average equity | $50,115,000 | 1,771 |
| Average total loans | $159,992,333 | 2,596 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7796% | 4,393 |
| Cost of funding earning assets | 0.1360% | 4,407 |
| Net interest margin | 2.6435% | 4,067 |
| Noninterest income to average assets | 0.5616% | 2,364 |
| Noninterest expense to average assets | 2.2090% | 3,082 |
| Loan and lease loss provision to assets | 0.0639% | 1,862 |
| Net operating income to assets | 0.8062% | 3,405 |
| Return on assets (ROA) | 1.6158% | 1,150 |
| Pretax return on assets | 1.6158% | 1,679 |
| Return on Equity (ROE) | 15.2376% | 1,160 |
| Retained earnings to average equity (ytd only) | 4.7899% | 3,288 |
| Net charge-offs to loans | -0.0025% | 3,179 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7409% | 1,525 |
| Assets per employee ($millions) | 6.6924% | 2,004 |
| Cash dividends to net income (ytd only)* | 68.5654% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,882 |
| Loan loss allowance to noncurrent loans | 78.2431% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 2,004 |
| Noncurrent loans to loans | 1.2637% | 1,023 |
| Net loans and leases to total assets | 36.2270% | 4,490 |
| Net loans and leases to deposits | 48.4352% | 4,247 |
| Net loans and leases to core deposits | 50.4211% | 4,278 |
| Total domestic deposits to total assets | 74.7946% | 4,637 |
| Equity capital to assets | 10.2537% | 2,476 |
| Core capital (leverage) ratio | 9.8996% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0083% | 513 |
| Memoranda: | ||
| Average total assets | $469,356,500 | 1,779 |
| Average earning assets | $446,978,500 | 1,754 |
| Average equity | $49,771,500 | 1,769 |
| Average total loans | $162,267,000 | 2,571 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1463% | 4,506 |
| Cost of funding earning assets | 0.2333% | 4,449 |
| Net interest margin | 2.9130% | 4,088 |
| Noninterest income to average assets | 0.7576% | 1,664 |
| Noninterest expense to average assets | 2.2587% | 3,513 |
| Loan and lease loss provision to assets | 0.0939% | 3,177 |
| Net operating income to assets | 1.1668% | 1,658 |
| Return on assets (ROA) | 1.6683% | 587 |
| Pretax return on assets | 1.6683% | 911 |
| Return on Equity (ROE) | 15.4761% | 569 |
| Retained earnings to average equity (ytd only) | 8.4959% | 908 |
| Net charge-offs to loans | 0.0836% | 1,630 |
| Credit loss provision to net charge-offs | 344.8276% | 1,595 |
| Earnings coverage of net charge-offs (x) | 46.2931% | 1,272 |
| Efficiency ratio | 64.1785% | 2,796 |
| Assets per employee ($millions) | 6.7182% | 1,770 |
| Cash dividends to net income (ytd only)* | 45.1027% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,507 |
| Loan loss allowance to noncurrent loans | 1,493.6364% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 4,270 |
| Noncurrent loans to loans | 0.0730% | 4,002 |
| Net loans and leases to total assets | 32.1508% | 4,704 |
| Net loans and leases to deposits | 41.8590% | 4,601 |
| Net loans and leases to core deposits | 44.0905% | 4,596 |
| Total domestic deposits to total assets | 76.8073% | 4,435 |
| Equity capital to assets | 10.9635% | 2,285 |
| Core capital (leverage) ratio | 9.8479% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2121% | 563 |
| Memoranda: | ||
| Average total assets | $425,945,000 | 1,783 |
| Average earning assets | $403,845,800 | 1,756 |
| Average equity | $45,916,000 | 1,813 |
| Average total loans | $138,807,800 | 2,764 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1202% | 4,652 |
| Cost of funding earning assets | 0.2600% | 4,473 |
| Net interest margin | 2.8601% | 4,247 |
| Noninterest income to average assets | 0.7304% | 1,703 |
| Noninterest expense to average assets | 2.2336% | 3,598 |
| Loan and lease loss provision to assets | 0.1040% | 3,019 |
| Net operating income to assets | 1.1001% | 1,977 |
| Return on assets (ROA) | 1.7512% | 572 |
| Pretax return on assets | 1.7512% | 867 |
| Return on Equity (ROE) | 16.3226% | 508 |
| Retained earnings to average equity (ytd only) | 8.6998% | 1,074 |
| Net charge-offs to loans | 0.1345% | 1,075 |
| Credit loss provision to net charge-offs | 237.2263% | 1,974 |
| Earnings coverage of net charge-offs (x) | 27.4599% | 1,665 |
| Efficiency ratio | 64.9721% | 2,597 |
| Assets per employee ($millions) | 6.6246% | 1,734 |
| Cash dividends to net income (ytd only)* | 46.7008% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,833 |
| Loan loss allowance to noncurrent loans | 126.6994% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,125 |
| Noncurrent loans to loans | 0.7613% | 1,905 |
| Net loans and leases to total assets | 34.2518% | 4,731 |
| Net loans and leases to deposits | 46.0877% | 4,603 |
| Net loans and leases to core deposits | 48.5529% | 4,614 |
| Total domestic deposits to total assets | 74.3188% | 4,549 |
| Equity capital to assets | 10.6499% | 2,674 |
| Core capital (leverage) ratio | 9.9269% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1286% | 576 |
| Memoranda: | ||
| Average total assets | $416,542,250 | 1,788 |
| Average earning assets | $394,285,250 | 1,764 |
| Average equity | $44,689,500 | 1,851 |
| Average total loans | $135,839,750 | 2,801 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 4,682 |
| Cost of funding earning assets | 0.3105% | 4,444 |
| Net interest margin | 2.9412% | 4,238 |
| Noninterest income to average assets | 0.7430% | 1,602 |
| Noninterest expense to average assets | 2.2789% | 3,580 |
| Loan and lease loss provision to assets | 0.1247% | 2,779 |
| Net operating income to assets | 1.1142% | 1,918 |
| Return on assets (ROA) | 2.1292% | 276 |
| Pretax return on assets | 2.1292% | 415 |
| Return on Equity (ROE) | 19.7894% | 256 |
| Retained earnings to average equity (ytd only) | 12.4385% | 405 |
| Net charge-offs to loans | 0.2225% | 698 |
| Credit loss provision to net charge-offs | 176.0563% | 2,009 |
| Earnings coverage of net charge-offs (x) | 17.4859% | 1,813 |
| Efficiency ratio | 64.7801% | 2,697 |
| Assets per employee ($millions) | 6.4777% | 1,802 |
| Cash dividends to net income (ytd only)* | 37.1455% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,746 |
| Loan loss allowance to noncurrent loans | 6,378.2609% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,566 |
| Noncurrent loans to loans | 0.0151% | 4,448 |
| Net loans and leases to total assets | 33.7695% | 4,785 |
| Net loans and leases to deposits | 44.9166% | 4,682 |
| Net loans and leases to core deposits | 47.1989% | 4,685 |
| Total domestic deposits to total assets | 75.1826% | 4,500 |
| Equity capital to assets | 10.6817% | 2,590 |
| Core capital (leverage) ratio | 9.8369% | 2,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1552% | 493 |
| Memoranda: | ||
| Average total assets | $400,816,000 | 1,814 |
| Average earning assets | $378,151,000 | 1,792 |
| Average equity | $43,124,000 | 1,880 |
| Average total loans | $127,659,667 | 2,885 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4731% | 4,657 |
| Cost of funding earning assets | 0.4106% | 4,325 |
| Net interest margin | 3.0624% | 4,174 |
| Noninterest income to average assets | 0.7328% | 1,522 |
| Noninterest expense to average assets | 2.4588% | 3,394 |
| Loan and lease loss provision to assets | 0.1853% | 1,617 |
| Net operating income to assets | 0.9710% | 2,278 |
| Return on assets (ROA) | 1.9188% | 352 |
| Pretax return on assets | 1.9188% | 550 |
| Return on Equity (ROE) | 17.7584% | 290 |
| Retained earnings to average equity (ytd only) | 9.0850% | 954 |
| Net charge-offs to loans | 0.2151% | 650 |
| Credit loss provision to net charge-offs | 282.2581% | 1,220 |
| Earnings coverage of net charge-offs (x) | 17.6129% | 1,487 |
| Efficiency ratio | 68.0141% | 2,662 |
| Assets per employee ($millions) | 5.6970% | 1,927 |
| Cash dividends to net income (ytd only)* | 48.8411% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,323 |
| Loan loss allowance to noncurrent loans | 1,672.7273% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,524 |
| Noncurrent loans to loans | 0.0755% | 4,216 |
| Net loans and leases to total assets | 29.2792% | 4,919 |
| Net loans and leases to deposits | 35.1402% | 4,917 |
| Net loans and leases to core deposits | 38.8053% | 4,893 |
| Total domestic deposits to total assets | 83.3211% | 3,007 |
| Equity capital to assets | 10.7849% | 3,063 |
| Core capital (leverage) ratio | 10.2432% | 3,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5451% | 691 |
| Memoranda: | ||
| Average total assets | $377,744,000 | 1,855 |
| Average earning assets | $355,534,500 | 1,828 |
| Average equity | $40,814,500 | 1,954 |
| Average total loans | $115,288,000 | 3,008 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6415% | 4,735 |
| Cost of funding earning assets | 0.3453% | 4,608 |
| Net interest margin | 3.2962% | 3,998 |
| Noninterest income to average assets | 0.8208% | 1,383 |
| Noninterest expense to average assets | 2.6116% | 3,148 |
| Loan and lease loss provision to assets | -0.0432% | 5,005 |
| Net operating income to assets | 1.3651% | 1,460 |
| Return on assets (ROA) | 2.4150% | 159 |
| Pretax return on assets | 2.4150% | 243 |
| Return on Equity (ROE) | 22.8547% | 121 |
| Retained earnings to average equity (ytd only) | 15.0376% | 91 |
| Net charge-offs to loans | -0.7255% | 5,128 |
| Credit loss provision to net charge-offs | 20.9790% | 3,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3935% | 2,707 |
| Assets per employee ($millions) | 5.3293% | 2,216 |
| Cash dividends to net income (ytd only)* | 34.2033% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 2,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 31.0850% | 4,954 |
| Net loans and leases to deposits | 36.5526% | 4,967 |
| Net loans and leases to core deposits | 41.2384% | 4,924 |
| Total domestic deposits to total assets | 85.0419% | 2,478 |
| Equity capital to assets | 10.8264% | 3,158 |
| Core capital (leverage) ratio | 10.4402% | 3,019 |
| Tier 1 risk-based capital ratio | 21.0731% | 1,152 |
| Total risk-based capital ratio | 21.8474% | 1,204 |
| Memoranda: | ||
| Average total assets | $347,453,800 | 1,917 |
| Average earning assets | $328,109,000 | 1,885 |
| Average equity | $36,714,600 | 2,065 |
| Average total loans | $98,550,600 | 3,246 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 4,825 |
| Cost of funding earning assets | 0.3151% | 4,763 |
| Net interest margin | 3.3434% | 4,008 |
| Noninterest income to average assets | 0.8154% | 1,375 |
| Noninterest expense to average assets | 2.5307% | 3,350 |
| Loan and lease loss provision to assets | -0.0873% | 5,154 |
| Net operating income to assets | 1.5326% | 1,111 |
| Return on assets (ROA) | 2.9477% | 97 |
| Pretax return on assets | 2.9477% | 125 |
| Return on Equity (ROE) | 28.0777% | 49 |
| Retained earnings to average equity (ytd only) | 21.2605% | 41 |
| Net charge-offs to loans | -1.0068% | 5,208 |
| Credit loss provision to net charge-offs | 31.4685% | 2,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6488% | 3,075 |
| Assets per employee ($millions) | 5.1593% | 2,388 |
| Cash dividends to net income (ytd only)* | 24.2795% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 1,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 28.0237% | 5,090 |
| Net loans and leases to deposits | 34.3875% | 5,085 |
| Net loans and leases to core deposits | 37.7802% | 5,059 |
| Total domestic deposits to total assets | 81.4937% | 3,616 |
| Equity capital to assets | 11.7516% | 2,458 |
| Core capital (leverage) ratio | 10.9317% | 2,710 |
| Tier 1 risk-based capital ratio | 22.7528% | 977 |
| Total risk-based capital ratio | 23.5377% | 1,005 |
| Memoranda: | ||
| Average total assets | $343,719,000 | 1,941 |
| Average earning assets | $324,928,500 | 1,916 |
| Average equity | $36,084,750 | 2,098 |
| Average total loans | $94,686,000 | 3,339 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6301% | 4,909 |
| Cost of funding earning assets | 0.3097% | 4,805 |
| Net interest margin | 3.3204% | 4,094 |
| Noninterest income to average assets | 0.7993% | 1,353 |
| Noninterest expense to average assets | 2.4858% | 3,527 |
| Loan and lease loss provision to assets | 0.1457% | 1,267 |
| Net operating income to assets | 1.3111% | 1,730 |
| Return on assets (ROA) | 2.4526% | 169 |
| Pretax return on assets | 2.4526% | 261 |
| Return on Equity (ROE) | 24.3374% | 108 |
| Retained earnings to average equity (ytd only) | 18.2921% | 78 |
| Net charge-offs to loans | 0.1625% | 984 |
| Credit loss provision to net charge-offs | 328.9474% | 840 |
| Earnings coverage of net charge-offs (x) | 32.8816% | 1,397 |
| Efficiency ratio | 63.0489% | 3,281 |
| Assets per employee ($millions) | 5.5877% | 1,885 |
| Cash dividends to net income (ytd only)* | 24.8396% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 26.3439% | 5,150 |
| Net loans and leases to deposits | 31.0542% | 5,161 |
| Net loans and leases to core deposits | 33.9341% | 5,147 |
| Total domestic deposits to total assets | 84.8319% | 2,552 |
| Equity capital to assets | 11.2413% | 2,820 |
| Core capital (leverage) ratio | 10.1218% | 3,481 |
| Tier 1 risk-based capital ratio | 20.9689% | 1,178 |
| Total risk-based capital ratio | 21.5551% | 1,258 |
| Memoranda: | ||
| Average total assets | $343,068,000 | 1,956 |
| Average earning assets | $324,782,330 | 1,928 |
| Average equity | $34,572,330 | 2,163 |
| Average total loans | $93,530,000 | 3,385 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,939 |
| Cost of funding earning assets | 0.2972% | 4,859 |
| Net interest margin | 3.3269% | 4,096 |
| Noninterest income to average assets | 0.7921% | 1,312 |
| Noninterest expense to average assets | 2.4278% | 3,691 |
| Loan and lease loss provision to assets | 0.1758% | 952 |
| Net operating income to assets | 1.3369% | 1,571 |
| Return on assets (ROA) | 1.3721% | 1,488 |
| Pretax return on assets | 1.3721% | 2,180 |
| Return on Equity (ROE) | 14.4628% | 864 |
| Retained earnings to average equity (ytd only) | 7.7934% | 1,740 |
| Net charge-offs to loans | -0.0085% | 4,170 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6117% | 3,592 |
| Assets per employee ($millions) | 6.1054% | 1,465 |
| Cash dividends to net income (ytd only)* | 46.1144% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,443 |
| Loan loss allowance to noncurrent loans | 867.8899% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,686 |
| Noncurrent loans to loans | 0.1202% | 4,200 |
| Net loans and leases to total assets | 25.7947% | 5,212 |
| Net loans and leases to deposits | 29.5311% | 5,228 |
| Net loans and leases to core deposits | 32.3475% | 5,209 |
| Total domestic deposits to total assets | 87.3477% | 1,644 |
| Equity capital to assets | 10.0029% | 3,824 |
| Core capital (leverage) ratio | 9.4155% | 4,240 |
| Tier 1 risk-based capital ratio | 18.3803% | 1,696 |
| Total risk-based capital ratio | 18.9220% | 1,846 |
| Memoranda: | ||
| Average total assets | $341,383,500 | 1,977 |
| Average earning assets | $323,066,500 | 1,946 |
| Average equity | $32,386,500 | 2,281 |
| Average total loans | $94,178,500 | 3,406 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,731 |
| Cost of funding earning assets | 0.2844% | 4,638 |
| Net interest margin | 3.3723% | 4,068 |
| Noninterest income to average assets | 0.7991% | 1,448 |
| Noninterest expense to average assets | 2.4505% | 3,744 |
| Loan and lease loss provision to assets | 0.1129% | 1,953 |
| Net operating income to assets | 1.4184% | 1,369 |
| Return on assets (ROA) | 1.3334% | 1,663 |
| Pretax return on assets | 1.3334% | 2,386 |
| Return on Equity (ROE) | 14.6327% | 912 |
| Retained earnings to average equity (ytd only) | 4.6699% | 2,949 |
| Net charge-offs to loans | 0.6386% | 265 |
| Credit loss provision to net charge-offs | 61.6438% | 3,085 |
| Earnings coverage of net charge-offs (x) | 8.3613% | 2,904 |
| Efficiency ratio | 61.5421% | 3,615 |
| Assets per employee ($millions) | 5.8729% | 1,612 |
| Cash dividends to net income (ytd only)* | 68.0856% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 4,492 |
| Loan loss allowance to noncurrent loans | 95.3181% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,604 |
| Noncurrent loans to loans | 0.8531% | 1,889 |
| Net loans and leases to total assets | 28.9310% | 5,222 |
| Net loans and leases to deposits | 32.7925% | 5,236 |
| Net loans and leases to core deposits | 35.7201% | 5,224 |
| Total domestic deposits to total assets | 88.2246% | 1,198 |
| Equity capital to assets | 8.9503% | 4,617 |
| Core capital (leverage) ratio | 9.3219% | 4,335 |
| Tier 1 risk-based capital ratio | 18.0959% | 1,731 |
| Total risk-based capital ratio | 18.5526% | 1,910 |
| Memoranda: | ||
| Average total assets | $318,872,600 | 2,049 |
| Average earning assets | $300,948,000 | 2,019 |
| Average equity | $29,058,200 | 2,392 |
| Average total loans | $91,453,000 | 3,450 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5931% | 4,821 |
| Cost of funding earning assets | 0.2711% | 4,668 |
| Net interest margin | 3.3220% | 4,218 |
| Noninterest income to average assets | 0.8104% | 1,437 |
| Noninterest expense to average assets | 2.3948% | 3,867 |
| Loan and lease loss provision to assets | 0.1143% | 1,772 |
| Net operating income to assets | 1.4349% | 1,378 |
| Return on assets (ROA) | 1.3083% | 1,827 |
| Pretax return on assets | 1.3083% | 2,592 |
| Return on Equity (ROE) | 14.2892% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.0926% | 1,603 |
| Net charge-offs to loans | -0.0208% | 4,640 |
| Credit loss provision to net charge-offs | -1,928.5714% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7193% | 3,702 |
| Assets per employee ($millions) | 5.7229% | 1,716 |
| Cash dividends to net income (ytd only)* | 43.3656% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 2,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 29.4286% | 5,286 |
| Net loans and leases to deposits | 33.3207% | 5,311 |
| Net loans and leases to core deposits | 36.3152% | 5,293 |
| Total domestic deposits to total assets | 88.3192% | 1,110 |
| Equity capital to assets | 8.3295% | 5,020 |
| Core capital (leverage) ratio | 9.6067% | 4,051 |
| Tier 1 risk-based capital ratio | 18.4480% | 1,685 |
| Total risk-based capital ratio | 19.2019% | 1,762 |
| Memoranda: | ||
| Average total assets | $314,901,250 | 2,082 |
| Average earning assets | $297,044,000 | 2,044 |
| Average equity | $28,832,250 | 2,412 |
| Average total loans | $89,905,500 | 3,512 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 4,960 |
| Cost of funding earning assets | 0.2432% | 4,781 |
| Net interest margin | 3.2220% | 4,456 |
| Noninterest income to average assets | 0.7994% | 1,477 |
| Noninterest expense to average assets | 2.4455% | 3,791 |
| Loan and lease loss provision to assets | 0.1164% | 1,705 |
| Net operating income to assets | 1.2709% | 1,892 |
| Return on assets (ROA) | 1.2709% | 1,896 |
| Pretax return on assets | 1.2709% | 2,628 |
| Return on Equity (ROE) | 13.4465% | 1,228 |
| Retained earnings to average equity (ytd only) | 7.8010% | 1,707 |
| Net charge-offs to loans | -0.0253% | 4,669 |
| Credit loss provision to net charge-offs | -1,636.3636% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8036% | 3,342 |
| Assets per employee ($millions) | 5.4966% | 1,878 |
| Cash dividends to net income (ytd only)* | 41.9847% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 2,120 |
| Loan loss allowance to noncurrent loans | 68.1511% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 2,562 |
| Noncurrent loans to loans | 1.9219% | 800 |
| Net loans and leases to total assets | 28.5749% | 5,354 |
| Net loans and leases to deposits | 33.0926% | 5,361 |
| Net loans and leases to core deposits | 36.2365% | 5,342 |
| Total domestic deposits to total assets | 86.3482% | 2,118 |
| Equity capital to assets | 8.9981% | 4,561 |
| Core capital (leverage) ratio | 9.8143% | 3,770 |
| Tier 1 risk-based capital ratio | 19.0763% | 1,535 |
| Total risk-based capital ratio | 19.8144% | 1,624 |
| Memoranda: | ||
| Average total assets | $309,225,330 | 2,123 |
| Average earning assets | $291,127,670 | 2,093 |
| Average equity | $29,227,000 | 2,399 |
| Average total loans | $86,879,330 | 3,585 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4132% | 5,002 |
| Cost of funding earning assets | 0.2210% | 4,887 |
| Net interest margin | 3.1922% | 4,492 |
| Noninterest income to average assets | 0.7805% | 1,517 |
| Noninterest expense to average assets | 2.4688% | 3,743 |
| Loan and lease loss provision to assets | 0.1183% | 1,595 |
| Net operating income to assets | 1.1917% | 2,045 |
| Return on assets (ROA) | 1.1917% | 2,058 |
| Pretax return on assets | 1.1917% | 2,788 |
| Return on Equity (ROE) | 12.2993% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.5361% | 2,484 |
| Net charge-offs to loans | -0.0285% | 4,717 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3338% | 3,272 |
| Assets per employee ($millions) | 5.3592% | 2,080 |
| Cash dividends to net income (ytd only)* | 46.8578% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 2,156 |
| Loan loss allowance to noncurrent loans | 60.5435% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 2,548 |
| Noncurrent loans to loans | 2.1783% | 695 |
| Net loans and leases to total assets | 26.8164% | 5,428 |
| Net loans and leases to deposits | 30.4390% | 5,442 |
| Net loans and leases to core deposits | 33.4146% | 5,420 |
| Total domestic deposits to total assets | 88.0989% | 1,561 |
| Equity capital to assets | 9.0794% | 4,477 |
| Core capital (leverage) ratio | 9.8844% | 3,667 |
| Tier 1 risk-based capital ratio | 19.8589% | 1,369 |
| Total risk-based capital ratio | 20.5821% | 1,437 |
| Memoranda: | ||
| Average total assets | $304,437,500 | 2,167 |
| Average earning assets | $285,949,500 | 2,147 |
| Average equity | $29,497,500 | 2,406 |
| Average total loans | $84,166,000 | 3,670 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2064% | 5,179 |
| Cost of funding earning assets | 0.1970% | 4,971 |
| Net interest margin | 3.0095% | 4,864 |
| Noninterest income to average assets | 0.7795% | 1,644 |
| Noninterest expense to average assets | 2.4808% | 3,847 |
| Loan and lease loss provision to assets | 0.0789% | 2,616 |
| Net operating income to assets | 1.0600% | 2,020 |
| Return on assets (ROA) | 1.0230% | 2,177 |
| Pretax return on assets | 1.0230% | 3,485 |
| Return on Equity (ROE) | 9.9288% | 1,920 |
| Retained earnings to average equity (ytd only) | 1.3580% | 4,461 |
| Net charge-offs to loans | -0.0200% | 4,956 |
| Credit loss provision to net charge-offs | -1,533.3333% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5362% | 2,787 |
| Assets per employee ($millions) | 5.0515% | 2,418 |
| Cash dividends to net income (ytd only)* | 86.3225% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,693 |
| Loan loss allowance to noncurrent loans | 53.5508% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 2,419 |
| Noncurrent loans to loans | 2.2668% | 628 |
| Net loans and leases to total assets | 27.7967% | 5,472 |
| Net loans and leases to deposits | 32.0127% | 5,494 |
| Net loans and leases to core deposits | 35.3433% | 5,470 |
| Total domestic deposits to total assets | 86.8302% | 2,075 |
| Equity capital to assets | 10.3252% | 3,360 |
| Core capital (leverage) ratio | 10.1436% | 3,253 |
| Tier 1 risk-based capital ratio | 20.1571% | 1,288 |
| Total risk-based capital ratio | 20.8386% | 1,371 |
| Memoranda: | ||
| Average total assets | $291,600,400 | 2,210 |
| Average earning assets | $275,195,600 | 2,185 |
| Average equity | $30,044,000 | 2,353 |
| Average total loans | $75,091,200 | 3,845 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1733% | 5,263 |
| Cost of funding earning assets | 0.1959% | 5,009 |
| Net interest margin | 2.9775% | 4,967 |
| Noninterest income to average assets | 0.7917% | 1,623 |
| Noninterest expense to average assets | 2.4129% | 3,986 |
| Loan and lease loss provision to assets | 0.0782% | 2,521 |
| Net operating income to assets | 1.1104% | 2,043 |
| Return on assets (ROA) | 1.2478% | 1,541 |
| Pretax return on assets | 1.2478% | 2,722 |
| Return on Equity (ROE) | 12.1178% | 1,308 |
| Retained earnings to average equity (ytd only) | 2.1833% | 4,550 |
| Net charge-offs to loans | -0.0201% | 4,851 |
| Credit loss provision to net charge-offs | -1,545.4545% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9986% | 3,050 |
| Assets per employee ($millions) | 5.0432% | 2,400 |
| Cash dividends to net income (ytd only)* | 81.9822% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,844 |
| Loan loss allowance to noncurrent loans | 2,168.1818% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 5,181 |
| Noncurrent loans to loans | 0.0560% | 4,859 |
| Net loans and leases to total assets | 26.5422% | 5,559 |
| Net loans and leases to deposits | 30.6701% | 5,575 |
| Net loans and leases to core deposits | 33.9296% | 5,553 |
| Total domestic deposits to total assets | 86.5410% | 2,083 |
| Equity capital to assets | 10.9086% | 2,953 |
| Core capital (leverage) ratio | 10.3341% | 3,158 |
| Tier 1 risk-based capital ratio | 21.7082% | 1,080 |
| Total risk-based capital ratio | 22.3942% | 1,154 |
| Memoranda: | ||
| Average total assets | $289,990,750 | 2,232 |
| Average earning assets | $273,647,750 | 2,205 |
| Average equity | $29,861,750 | 2,379 |
| Average total loans | $72,898,250 | 3,929 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1123% | 5,337 |
| Cost of funding earning assets | 0.1965% | 5,018 |
| Net interest margin | 2.9157% | 5,070 |
| Noninterest income to average assets | 0.7816% | 1,636 |
| Noninterest expense to average assets | 2.5689% | 3,529 |
| Loan and lease loss provision to assets | 0.0761% | 2,459 |
| Net operating income to assets | 0.8867% | 2,979 |
| Return on assets (ROA) | 0.9704% | 2,614 |
| Pretax return on assets | 0.9704% | 3,687 |
| Return on Equity (ROE) | 9.6163% | 2,207 |
| Retained earnings to average equity (ytd only) | 1.0487% | 4,820 |
| Net charge-offs to loans | -0.0310% | 4,973 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7380% | 2,228 |
| Assets per employee ($millions) | 4.9713% | 2,427 |
| Cash dividends to net income (ytd only)* | 89.0948% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.0543% | 5,610 |
| Net loans and leases to deposits | 30.1836% | 5,627 |
| Net loans and leases to core deposits | 33.5085% | 5,607 |
| Total domestic deposits to total assets | 86.3194% | 2,233 |
| Equity capital to assets | 10.9830% | 2,823 |
| Core capital (leverage) ratio | 10.2484% | 3,205 |
| Tier 1 risk-based capital ratio | 21.5749% | 1,105 |
| Total risk-based capital ratio | 22.2210% | 1,160 |
| Memoranda: | ||
| Average total assets | $289,153,000 | 2,244 |
| Average earning assets | $272,727,670 | 2,217 |
| Average equity | $29,179,670 | 2,424 |
| Average total loans | $71,000,670 | 3,990 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0014% | 5,454 |
| Cost of funding earning assets | 0.1991% | 4,986 |
| Net interest margin | 2.8023% | 5,233 |
| Noninterest income to average assets | 0.7128% | 1,905 |
| Noninterest expense to average assets | 2.5169% | 3,759 |
| Loan and lease loss provision to assets | 0.0691% | 2,430 |
| Net operating income to assets | 0.7708% | 3,359 |
| Return on assets (ROA) | 0.9380% | 2,628 |
| Pretax return on assets | 0.9380% | 3,634 |
| Return on Equity (ROE) | 9.7224% | 2,087 |
| Retained earnings to average equity (ytd only) | 5.4268% | 2,650 |
| Net charge-offs to loans | -0.0292% | 4,919 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9794% | 2,071 |
| Assets per employee ($millions) | 4.9835% | 2,470 |
| Cash dividends to net income (ytd only)* | 44.1826% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 24.4201% | 5,693 |
| Net loans and leases to deposits | 27.6777% | 5,710 |
| Net loans and leases to core deposits | 30.7773% | 5,681 |
| Total domestic deposits to total assets | 88.2300% | 1,571 |
| Equity capital to assets | 10.0577% | 3,686 |
| Core capital (leverage) ratio | 10.2897% | 3,124 |
| Tier 1 risk-based capital ratio | 22.3571% | 1,047 |
| Total risk-based capital ratio | 22.9725% | 1,092 |
| Memoranda: | ||
| Average total assets | $289,561,500 | 2,260 |
| Average earning assets | $273,202,500 | 2,227 |
| Average equity | $27,935,500 | 2,522 |
| Average total loans | $68,492,000 | 4,084 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9261% | 5,553 |
| Cost of funding earning assets | 0.1916% | 5,097 |
| Net interest margin | 2.7345% | 5,375 |
| Noninterest income to average assets | 0.7385% | 2,000 |
| Noninterest expense to average assets | 2.3945% | 4,313 |
| Loan and lease loss provision to assets | 0.3418% | 508 |
| Net operating income to assets | 0.5818% | 4,284 |
| Return on assets (ROA) | 1.1297% | 1,870 |
| Pretax return on assets | 1.1297% | 2,968 |
| Return on Equity (ROE) | 10.1936% | 1,879 |
| Retained earnings to average equity (ytd only) | 6.5596% | 1,426 |
| Net charge-offs to loans | 2.1946% | 64 |
| Credit loss provision to net charge-offs | 74.6489% | 3,063 |
| Earnings coverage of net charge-offs (x) | 2.0170% | 3,899 |
| Efficiency ratio | 72.1644% | 2,567 |
| Assets per employee ($millions) | 5.0892% | 2,299 |
| Cash dividends to net income (ytd only)* | 35.6501% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,245 |
| Loan loss allowance to noncurrent loans | 1,717.7778% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,334 |
| Noncurrent loans to loans | 0.0686% | 4,964 |
| Net loans and leases to total assets | 22.3382% | 5,781 |
| Net loans and leases to deposits | 26.3608% | 5,778 |
| Net loans and leases to core deposits | 29.4042% | 5,759 |
| Total domestic deposits to total assets | 84.7402% | 3,160 |
| Equity capital to assets | 9.2388% | 4,527 |
| Core capital (leverage) ratio | 10.3634% | 3,041 |
| Tier 1 risk-based capital ratio | 22.7391% | 990 |
| Total risk-based capital ratio | 23.3309% | 1,042 |
| Memoranda: | ||
| Average total assets | $295,466,800 | 2,189 |
| Average earning assets | $278,736,600 | 2,163 |
| Average equity | $32,746,000 | 2,192 |
| Average total loans | $61,651,000 | 4,240 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8710% | 5,678 |
| Cost of funding earning assets | 0.1932% | 5,135 |
| Net interest margin | 2.6778% | 5,516 |
| Noninterest income to average assets | 0.7246% | 2,061 |
| Noninterest expense to average assets | 2.3354% | 4,445 |
| Loan and lease loss provision to assets | 0.0404% | 3,429 |
| Net operating income to assets | 0.8760% | 3,027 |
| Return on assets (ROA) | 1.4689% | 981 |
| Pretax return on assets | 1.4689% | 1,811 |
| Return on Equity (ROE) | 12.7361% | 1,118 |
| Retained earnings to average equity (ytd only) | 10.0487% | 568 |
| Net charge-offs to loans | -0.0286% | 5,146 |
| Credit loss provision to net charge-offs | -692.3077% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8193% | 2,600 |
| Assets per employee ($millions) | 4.9006% | 2,490 |
| Cash dividends to net income (ytd only)* | 21.1010% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 787 |
| Loan loss allowance to noncurrent loans | 96.5927% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4365% | 3,677 |
| Noncurrent loans to loans | 2.0162% | 969 |
| Net loans and leases to total assets | 21.2266% | 5,855 |
| Net loans and leases to deposits | 24.6938% | 5,865 |
| Net loans and leases to core deposits | 27.5086% | 5,847 |
| Total domestic deposits to total assets | 85.9591% | 2,382 |
| Equity capital to assets | 12.4749% | 1,795 |
| Core capital (leverage) ratio | 10.4776% | 3,020 |
| Tier 1 risk-based capital ratio | 23.5976% | 936 |
| Total risk-based capital ratio | 24.5522% | 952 |
| Memoranda: | ||
| Average total assets | $296,813,000 | 2,189 |
| Average earning assets | $280,128,500 | 2,160 |
| Average equity | $34,232,500 | 2,136 |
| Average total loans | $60,670,750 | 4,306 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8569% | 5,767 |
| Cost of funding earning assets | 0.1717% | 5,397 |
| Net interest margin | 2.6852% | 5,589 |
| Noninterest income to average assets | 0.6667% | 2,298 |
| Noninterest expense to average assets | 2.3402% | 4,499 |
| Loan and lease loss provision to assets | 0.0401% | 3,354 |
| Net operating income to assets | 0.8251% | 3,194 |
| Return on assets (ROA) | 1.4183% | 1,073 |
| Pretax return on assets | 1.4183% | 1,953 |
| Return on Equity (ROE) | 12.6293% | 1,127 |
| Retained earnings to average equity (ytd only) | 10.9041% | 446 |
| Net charge-offs to loans | -0.0333% | 5,176 |
| Credit loss provision to net charge-offs | -600.0000% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0096% | 2,519 |
| Assets per employee ($millions) | 4.9295% | 2,383 |
| Cash dividends to net income (ytd only)* | 13.6599% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 870 |
| Loan loss allowance to noncurrent loans | 93.6069% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 3,759 |
| Noncurrent loans to loans | 2.0448% | 961 |
| Net loans and leases to total assets | 20.5483% | 5,933 |
| Net loans and leases to deposits | 24.1413% | 5,941 |
| Net loans and leases to core deposits | 26.8517% | 5,927 |
| Total domestic deposits to total assets | 85.1167% | 2,820 |
| Equity capital to assets | 12.6836% | 1,669 |
| Core capital (leverage) ratio | 9.9978% | 3,569 |
| Tier 1 risk-based capital ratio | 23.8957% | 915 |
| Total risk-based capital ratio | 24.8601% | 923 |
| Memoranda: | ||
| Average total assets | $299,373,000 | 2,191 |
| Average earning assets | $283,033,670 | 2,153 |
| Average equity | $33,620,330 | 2,165 |
| Average total loans | $60,030,330 | 4,347 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7074% | 5,903 |
| Cost of funding earning assets | 0.1654% | 5,505 |
| Net interest margin | 2.5420% | 5,775 |
| Noninterest income to average assets | 0.5910% | 2,588 |
| Noninterest expense to average assets | 2.2671% | 4,745 |
| Loan and lease loss provision to assets | 0.0398% | 3,120 |
| Net operating income to assets | 0.6933% | 3,748 |
| Return on assets (ROA) | 1.2524% | 1,498 |
| Pretax return on assets | 1.2524% | 2,491 |
| Return on Equity (ROE) | 11.9090% | 1,340 |
| Retained earnings to average equity (ytd only) | 10.1410% | 822 |
| Net charge-offs to loans | -0.0406% | 5,223 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5644% | 2,238 |
| Assets per employee ($millions) | 4.9972% | 2,344 |
| Cash dividends to net income (ytd only)* | 14.8462% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 909 |
| Loan loss allowance to noncurrent loans | 90.4239% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,725 |
| Noncurrent loans to loans | 2.1459% | 968 |
| Net loans and leases to total assets | 19.4161% | 6,003 |
| Net loans and leases to deposits | 22.7735% | 6,001 |
| Net loans and leases to core deposits | 24.4575% | 5,999 |
| Total domestic deposits to total assets | 85.2572% | 3,015 |
| Equity capital to assets | 10.8163% | 3,148 |
| Core capital (leverage) ratio | 9.5132% | 4,172 |
| Tier 1 risk-based capital ratio | 22.7680% | 1,042 |
| Total risk-based capital ratio | 23.6930% | 1,072 |
| Memoranda: | ||
| Average total assets | $301,176,000 | 2,179 |
| Average earning assets | $285,442,500 | 2,151 |
| Average equity | $31,673,500 | 2,265 |
| Average total loans | $59,065,000 | 4,408 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5322% | 5,985 |
| Cost of funding earning assets | 0.1227% | 5,866 |
| Net interest margin | 2.4095% | 5,890 |
| Noninterest income to average assets | 1.0107% | 1,156 |
| Noninterest expense to average assets | 2.3487% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9512% | 2,607 |
| Return on assets (ROA) | 1.2010% | 1,617 |
| Pretax return on assets | 1.2010% | 2,655 |
| Return on Equity (ROE) | 12.7101% | 1,123 |
| Retained earnings to average equity (ytd only) | 9.3968% | 560 |
| Net charge-offs to loans | -0.6703% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1741% | 3,039 |
| Assets per employee ($millions) | 5.2158% | 2,102 |
| Cash dividends to net income (ytd only)* | 26.0681% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8992% | 955 |
| Loan loss allowance to noncurrent loans | 84.9962% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 3,717 |
| Noncurrent loans to loans | 2.2344% | 875 |
| Net loans and leases to total assets | 19.0554% | 6,061 |
| Net loans and leases to deposits | 21.7219% | 6,070 |
| Net loans and leases to core deposits | 22.9866% | 6,070 |
| Total domestic deposits to total assets | 87.7244% | 1,784 |
| Equity capital to assets | 10.2196% | 3,720 |
| Core capital (leverage) ratio | 9.0790% | 4,781 |
| Tier 1 risk-based capital ratio | 22.7031% | 1,052 |
| Total risk-based capital ratio | 23.6227% | 1,082 |
| Memoranda: | ||
| Average total assets | $307,919,800 | 2,105 |
| Average earning assets | $292,552,000 | 2,060 |
| Average equity | $29,095,000 | 2,385 |
| Average total loans | $53,405,800 | 4,569 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5211% | 6,083 |
| Cost of funding earning assets | 0.1216% | 5,968 |
| Net interest margin | 2.3995% | 5,975 |
| Noninterest income to average assets | 1.1235% | 953 |
| Noninterest expense to average assets | 2.2388% | 4,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1640% | 1,779 |
| Return on assets (ROA) | 1.4679% | 1,011 |
| Pretax return on assets | 1.4679% | 1,770 |
| Return on Equity (ROE) | 15.8517% | 609 |
| Retained earnings to average equity (ytd only) | 12.2950% | 333 |
| Net charge-offs to loans | -1.0858% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7925% | 3,928 |
| Assets per employee ($millions) | 5.2962% | 1,956 |
| Cash dividends to net income (ytd only)* | 22.4375% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 785 |
| Loan loss allowance to noncurrent loans | 84.0683% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 3,880 |
| Noncurrent loans to loans | 2.4877% | 822 |
| Net loans and leases to total assets | 17.7088% | 6,167 |
| Net loans and leases to deposits | 21.3584% | 6,167 |
| Net loans and leases to core deposits | 22.3590% | 6,165 |
| Total domestic deposits to total assets | 82.9124% | 3,842 |
| Equity capital to assets | 9.6813% | 4,539 |
| Core capital (leverage) ratio | 8.7338% | 5,312 |
| Tier 1 risk-based capital ratio | 22.2821% | 1,154 |
| Total risk-based capital ratio | 23.2413% | 1,176 |
| Memoranda: | ||
| Average total assets | $309,270,250 | 2,110 |
| Average earning assets | $293,775,750 | 2,065 |
| Average equity | $28,639,750 | 2,425 |
| Average total loans | $52,066,750 | 4,659 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4983% | 6,165 |
| Cost of funding earning assets | 0.1239% | 6,021 |
| Net interest margin | 2.3745% | 6,055 |
| Noninterest income to average assets | 0.7138% | 2,162 |
| Noninterest expense to average assets | 2.2686% | 4,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6969% | 3,903 |
| Return on assets (ROA) | 1.1272% | 1,933 |
| Pretax return on assets | 1.1272% | 3,065 |
| Return on Equity (ROE) | 12.3620% | 1,268 |
| Retained earnings to average equity (ytd only) | 9.0882% | 894 |
| Net charge-offs to loans | -0.0474% | 5,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4989% | 2,282 |
| Assets per employee ($millions) | 5.2677% | 1,965 |
| Cash dividends to net income (ytd only)* | 26.4824% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 2,410 |
| Loan loss allowance to noncurrent loans | 54.5712% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 4,018 |
| Noncurrent loans to loans | 2.6948% | 800 |
| Net loans and leases to total assets | 16.3232% | 6,255 |
| Net loans and leases to deposits | 18.4305% | 6,266 |
| Net loans and leases to core deposits | 19.5091% | 6,261 |
| Total domestic deposits to total assets | 88.5664% | 1,381 |
| Equity capital to assets | 8.4418% | 5,729 |
| Core capital (leverage) ratio | 8.3797% | 5,653 |
| Tier 1 risk-based capital ratio | 21.4187% | 1,294 |
| Total risk-based capital ratio | 22.0507% | 1,382 |
| Memoranda: | ||
| Average total assets | $308,201,000 | 2,135 |
| Average earning assets | $292,274,000 | 2,092 |
| Average equity | $28,102,330 | 2,476 |
| Average total loans | $50,583,000 | 4,733 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4849% | 6,226 |
| Cost of funding earning assets | 0.1298% | 6,065 |
| Net interest margin | 2.3551% | 6,120 |
| Noninterest income to average assets | 0.7336% | 2,003 |
| Noninterest expense to average assets | 2.2979% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6783% | 3,901 |
| Return on assets (ROA) | 1.5539% | 814 |
| Pretax return on assets | 1.5539% | 1,375 |
| Return on Equity (ROE) | 16.4093% | 527 |
| Retained earnings to average equity (ytd only) | 13.7716% | 376 |
| Net charge-offs to loans | 0.1127% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 36.8571% | 1,029 |
| Efficiency ratio | 77.2085% | 2,308 |
| Assets per employee ($millions) | 5.2365% | 2,066 |
| Cash dividends to net income (ytd only)* | 16.0745% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 2,398 |
| Loan loss allowance to noncurrent loans | 52.4313% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 4,059 |
| Noncurrent loans to loans | 2.8840% | 780 |
| Net loans and leases to total assets | 15.6845% | 6,321 |
| Net loans and leases to deposits | 17.6415% | 6,328 |
| Net loans and leases to core deposits | 18.8249% | 6,317 |
| Total domestic deposits to total assets | 88.9068% | 1,331 |
| Equity capital to assets | 9.4710% | 4,782 |
| Core capital (leverage) ratio | 8.4510% | 5,574 |
| Tier 1 risk-based capital ratio | 22.4281% | 1,179 |
| Total risk-based capital ratio | 23.0746% | 1,246 |
| Memoranda: | ||
| Average total assets | $304,272,000 | 2,172 |
| Average earning assets | $289,751,500 | 2,115 |
| Average equity | $28,813,000 | 2,443 |
| Average total loans | $49,694,000 | 4,794 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7372% | 6,239 |
| Cost of funding earning assets | 0.1408% | 6,154 |
| Net interest margin | 2.5964% | 6,080 |
| Noninterest income to average assets | 0.7172% | 2,228 |
| Noninterest expense to average assets | 2.3411% | 4,995 |
| Loan and lease loss provision to assets | 0.0580% | 3,379 |
| Net operating income to assets | 0.7773% | 3,484 |
| Return on assets (ROA) | 1.0201% | 2,373 |
| Pretax return on assets | 1.0201% | 3,418 |
| Return on Equity (ROE) | 10.8413% | 1,769 |
| Retained earnings to average equity (ytd only) | 7.3719% | 1,243 |
| Net charge-offs to loans | -0.0363% | 5,837 |
| Credit loss provision to net charge-offs | -988.2353% | 5,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7031% | 2,880 |
| Assets per employee ($millions) | 5.1653% | 2,108 |
| Cash dividends to net income (ytd only)* | 32.0014% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 2,425 |
| Loan loss allowance to noncurrent loans | 53.1930% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 4,219 |
| Noncurrent loans to loans | 2.8394% | 817 |
| Net loans and leases to total assets | 16.4986% | 6,405 |
| Net loans and leases to deposits | 18.4720% | 6,418 |
| Net loans and leases to core deposits | 19.7605% | 6,407 |
| Total domestic deposits to total assets | 89.3170% | 1,062 |
| Equity capital to assets | 9.4680% | 4,755 |
| Core capital (leverage) ratio | 8.4148% | 5,645 |
| Tier 1 risk-based capital ratio | 22.6443% | 1,126 |
| Total risk-based capital ratio | 23.3366% | 1,185 |
| Memoranda: | ||
| Average total assets | $289,478,200 | 2,219 |
| Average earning assets | $274,189,200 | 2,168 |
| Average equity | $27,238,400 | 2,467 |
| Average total loans | $46,814,800 | 4,922 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8024% | 6,281 |
| Cost of funding earning assets | 0.1415% | 6,236 |
| Net interest margin | 2.6609% | 6,056 |
| Noninterest income to average assets | 0.6756% | 2,449 |
| Noninterest expense to average assets | 2.2861% | 5,142 |
| Loan and lease loss provision to assets | 0.0585% | 3,199 |
| Net operating income to assets | 0.8470% | 3,193 |
| Return on assets (ROA) | 1.0259% | 2,399 |
| Pretax return on assets | 1.0259% | 3,491 |
| Return on Equity (ROE) | 10.9209% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.7199% | 1,088 |
| Net charge-offs to loans | -0.0406% | 5,835 |
| Credit loss provision to net charge-offs | -900.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6261% | 3,248 |
| Assets per employee ($millions) | 5.2022% | 2,013 |
| Cash dividends to net income (ytd only)* | 20.1540% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 3,147 |
| Loan loss allowance to noncurrent loans | 346.1165% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 5,880 |
| Noncurrent loans to loans | 0.4058% | 4,690 |
| Net loans and leases to total assets | 16.8812% | 6,488 |
| Net loans and leases to deposits | 19.1246% | 6,497 |
| Net loans and leases to core deposits | 20.4894% | 6,486 |
| Total domestic deposits to total assets | 88.2698% | 1,623 |
| Equity capital to assets | 9.7257% | 4,523 |
| Core capital (leverage) ratio | 8.4615% | 5,695 |
| Tier 1 risk-based capital ratio | 22.7071% | 1,157 |
| Total risk-based capital ratio | 23.3667% | 1,229 |
| Memoranda: | ||
| Average total assets | $286,950,500 | 2,244 |
| Average earning assets | $271,332,250 | 2,200 |
| Average equity | $26,956,750 | 2,493 |
| Average total loans | $45,972,000 | 4,999 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8481% | 6,299 |
| Cost of funding earning assets | 0.1417% | 6,312 |
| Net interest margin | 2.7064% | 6,047 |
| Noninterest income to average assets | 0.6484% | 2,555 |
| Noninterest expense to average assets | 2.2322% | 5,338 |
| Loan and lease loss provision to assets | 0.0592% | 3,088 |
| Net operating income to assets | 0.9142% | 2,735 |
| Return on assets (ROA) | 1.0410% | 2,220 |
| Pretax return on assets | 1.0410% | 3,316 |
| Return on Equity (ROE) | 11.2194% | 1,658 |
| Retained earnings to average equity (ytd only) | 9.1305% | 945 |
| Net charge-offs to loans | -0.0361% | 5,752 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6350% | 3,717 |
| Assets per employee ($millions) | 4.8361% | 2,421 |
| Cash dividends to net income (ytd only)* | 18.6188% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 3,761 |
| Loan loss allowance to noncurrent loans | 334.1709% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 5,966 |
| Noncurrent loans to loans | 0.3943% | 4,809 |
| Net loans and leases to total assets | 17.1635% | 6,547 |
| Net loans and leases to deposits | 19.6100% | 6,558 |
| Net loans and leases to core deposits | 20.9414% | 6,547 |
| Total domestic deposits to total assets | 87.5245% | 2,189 |
| Equity capital to assets | 9.9435% | 4,184 |
| Core capital (leverage) ratio | 8.4251% | 5,719 |
| Tier 1 risk-based capital ratio | 22.6934% | 1,156 |
| Total risk-based capital ratio | 23.3225% | 1,227 |
| Memoranda: | ||
| Average total assets | $283,759,000 | 2,263 |
| Average earning assets | $268,108,000 | 2,222 |
| Average equity | $26,329,330 | 2,540 |
| Average total loans | $44,372,670 | 5,109 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8421% | 6,365 |
| Cost of funding earning assets | 0.1390% | 6,407 |
| Net interest margin | 2.7031% | 6,110 |
| Noninterest income to average assets | 0.6188% | 2,623 |
| Noninterest expense to average assets | 2.2470% | 5,333 |
| Loan and lease loss provision to assets | 0.0599% | 2,913 |
| Net operating income to assets | 0.8626% | 2,840 |
| Return on assets (ROA) | 1.0836% | 1,946 |
| Pretax return on assets | 1.0836% | 2,984 |
| Return on Equity (ROE) | 12.1273% | 1,379 |
| Retained earnings to average equity (ytd only) | 9.7337% | 1,035 |
| Net charge-offs to loans | -0.0678% | 5,943 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8952% | 3,668 |
| Assets per employee ($millions) | 5.0321% | 2,215 |
| Cash dividends to net income (ytd only)* | 19.7368% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 3,452 |
| Loan loss allowance to noncurrent loans | 303.4146% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,044 |
| Noncurrent loans to loans | 0.4721% | 4,746 |
| Net loans and leases to total assets | 14.9230% | 6,632 |
| Net loans and leases to deposits | 16.7863% | 6,644 |
| Net loans and leases to core deposits | 17.6664% | 6,635 |
| Total domestic deposits to total assets | 88.8998% | 1,726 |
| Equity capital to assets | 9.1447% | 4,947 |
| Core capital (leverage) ratio | 8.4313% | 5,720 |
| Tier 1 risk-based capital ratio | 22.8830% | 1,157 |
| Total risk-based capital ratio | 23.4914% | 1,234 |
| Memoranda: | ||
| Average total assets | $280,554,500 | 2,296 |
| Average earning assets | $264,737,500 | 2,254 |
| Average equity | $25,067,500 | 2,637 |
| Average total loans | $41,325,000 | 5,268 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2160% | 6,684 |
| Cost of funding earning assets | 0.1546% | 6,517 |
| Net interest margin | 2.0614% | 6,633 |
| Noninterest income to average assets | 0.6989% | 2,552 |
| Noninterest expense to average assets | 2.3913% | 5,095 |
| Loan and lease loss provision to assets | 0.0075% | 4,978 |
| Net operating income to assets | 0.2464% | 5,700 |
| Return on assets (ROA) | 0.8550% | 3,084 |
| Pretax return on assets | 0.8550% | 3,941 |
| Return on Equity (ROE) | 8.9384% | 2,562 |
| Retained earnings to average equity (ytd only) | 4.8790% | 2,681 |
| Net charge-offs to loans | -0.0742% | 6,418 |
| Credit loss provision to net charge-offs | -76.9231% | 5,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4023% | 989 |
| Assets per employee ($millions) | 4.6488% | 2,657 |
| Cash dividends to net income (ytd only)* | 45.4148% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 3,374 |
| Loan loss allowance to noncurrent loans | 440.7692% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,231 |
| Noncurrent loans to loans | 0.3314% | 5,191 |
| Net loans and leases to total assets | 14.0920% | 6,725 |
| Net loans and leases to deposits | 15.7747% | 6,735 |
| Net loans and leases to core deposits | 16.6731% | 6,723 |
| Total domestic deposits to total assets | 89.3327% | 1,415 |
| Equity capital to assets | 8.7156% | 5,349 |
| Core capital (leverage) ratio | 8.4223% | 5,752 |
| Tier 1 risk-based capital ratio | 23.0922% | 1,080 |
| Total risk-based capital ratio | 23.6730% | 1,167 |
| Memoranda: | ||
| Average total assets | $267,846,200 | 2,372 |
| Average earning assets | $252,889,000 | 2,307 |
| Average equity | $25,619,800 | 2,574 |
| Average total loans | $35,019,400 | 5,538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0465% | 6,794 |
| Cost of funding earning assets | 0.1575% | 6,610 |
| Net interest margin | 1.8891% | 6,752 |
| Noninterest income to average assets | 0.7066% | 2,569 |
| Noninterest expense to average assets | 2.3637% | 5,137 |
| Loan and lease loss provision to assets | 0.0100% | 4,791 |
| Net operating income to assets | 0.1172% | 6,104 |
| Return on assets (ROA) | 0.8844% | 3,026 |
| Pretax return on assets | 0.8844% | 3,949 |
| Return on Equity (ROE) | 9.0393% | 2,611 |
| Retained earnings to average equity (ytd only) | 4.7398% | 3,279 |
| Net charge-offs to loans | -0.0824% | 6,453 |
| Credit loss provision to net charge-offs | -95.2381% | 5,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8934% | 685 |
| Assets per employee ($millions) | 4.3981% | 3,055 |
| Cash dividends to net income (ytd only)* | 47.5650% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,135 |
| Loan loss allowance to noncurrent loans | 408.6331% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 6,304 |
| Noncurrent loans to loans | 0.3847% | 5,242 |
| Net loans and leases to total assets | 13.2555% | 6,812 |
| Net loans and leases to deposits | 14.8129% | 6,820 |
| Net loans and leases to core deposits | 15.6547% | 6,812 |
| Total domestic deposits to total assets | 89.4857% | 1,308 |
| Equity capital to assets | 8.8381% | 5,372 |
| Core capital (leverage) ratio | 8.3951% | 5,863 |
| Tier 1 risk-based capital ratio | 24.1443% | 977 |
| Total risk-based capital ratio | 24.7549% | 1,046 |
| Memoranda: | ||
| Average total assets | $266,238,500 | 2,394 |
| Average earning assets | $251,476,500 | 2,328 |
| Average equity | $26,048,500 | 2,578 |
| Average total loans | $33,968,250 | 5,637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0561% | 6,839 |
| Cost of funding earning assets | 0.1585% | 6,679 |
| Net interest margin | 1.8976% | 6,792 |
| Noninterest income to average assets | 0.6838% | 2,723 |
| Noninterest expense to average assets | 2.3332% | 5,267 |
| Loan and lease loss provision to assets | 0.0151% | 4,590 |
| Net operating income to assets | 0.1295% | 6,065 |
| Return on assets (ROA) | 1.2397% | 1,590 |
| Pretax return on assets | 1.2397% | 2,522 |
| Return on Equity (ROE) | 12.2709% | 1,413 |
| Retained earnings to average equity (ytd only) | 7.1270% | 1,831 |
| Net charge-offs to loans | -0.0842% | 6,455 |
| Credit loss provision to net charge-offs | -142.8571% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1641% | 759 |
| Assets per employee ($millions) | 4.6805% | 2,543 |
| Cash dividends to net income (ytd only)* | 41.9198% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 2,933 |
| Loan loss allowance to noncurrent loans | 322.4138% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 6,305 |
| Noncurrent loans to loans | 0.5151% | 4,981 |
| Net loans and leases to total assets | 12.4507% | 6,865 |
| Net loans and leases to deposits | 14.1345% | 6,873 |
| Net loans and leases to core deposits | 14.9153% | 6,864 |
| Total domestic deposits to total assets | 88.0872% | 2,185 |
| Equity capital to assets | 9.6687% | 4,357 |
| Core capital (leverage) ratio | 8.5240% | 5,643 |
| Tier 1 risk-based capital ratio | 25.2538% | 849 |
| Total risk-based capital ratio | 25.8838% | 900 |
| Memoranda: | ||
| Average total assets | $265,557,330 | 2,409 |
| Average earning assets | $251,059,330 | 2,337 |
| Average equity | $26,827,670 | 2,506 |
| Average total loans | $33,247,670 | 5,703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1067% | 6,916 |
| Cost of funding earning assets | 0.1598% | 6,767 |
| Net interest margin | 1.9468% | 6,860 |
| Noninterest income to average assets | 0.7277% | 2,436 |
| Noninterest expense to average assets | 2.4685% | 4,872 |
| Loan and lease loss provision to assets | 0.0226% | 4,182 |
| Net operating income to assets | 0.0755% | 6,197 |
| Return on assets (ROA) | 1.5656% | 816 |
| Pretax return on assets | 1.5656% | 1,393 |
| Return on Equity (ROE) | 15.1697% | 728 |
| Retained earnings to average equity (ytd only) | 6.7583% | 2,277 |
| Net charge-offs to loans | -0.0970% | 6,431 |
| Credit loss provision to net charge-offs | -187.5000% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1765% | 725 |
| Assets per employee ($millions) | 4.4653% | 3,039 |
| Cash dividends to net income (ytd only)* | 55.4484% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 3,149 |
| Loan loss allowance to noncurrent loans | 352.5641% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 6,430 |
| Noncurrent loans to loans | 0.4726% | 5,238 |
| Net loans and leases to total assets | 12.1164% | 6,945 |
| Net loans and leases to deposits | 13.8097% | 6,948 |
| Net loans and leases to core deposits | 14.5394% | 6,938 |
| Total domestic deposits to total assets | 87.7387% | 2,498 |
| Equity capital to assets | 10.2039% | 3,899 |
| Core capital (leverage) ratio | 8.5003% | 5,592 |
| Tier 1 risk-based capital ratio | 23.1681% | 1,131 |
| Total risk-based capital ratio | 23.7475% | 1,227 |
| Memoranda: | ||
| Average total assets | $264,941,500 | 2,439 |
| Average earning assets | $250,253,500 | 2,376 |
| Average equity | $27,344,000 | 2,499 |
| Average total loans | $32,982,500 | 5,753 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5224% | 6,933 |
| Cost of funding earning assets | 0.2101% | 6,806 |
| Net interest margin | 2.3123% | 6,834 |
| Noninterest income to average assets | 0.9463% | 1,717 |
| Noninterest expense to average assets | 2.6441% | 4,586 |
| Loan and lease loss provision to assets | 0.0543% | 5,128 |
| Net operating income to assets | 0.4189% | 5,012 |
| Return on assets (ROA) | 0.6301% | 4,356 |
| Pretax return on assets | 0.6301% | 4,891 |
| Return on Equity (ROE) | 6.1567% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.2033% | 3,969 |
| Net charge-offs to loans | -0.0846% | 6,796 |
| Credit loss provision to net charge-offs | -500.0000% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8210% | 1,532 |
| Assets per employee ($millions) | 4.6780% | 2,666 |
| Cash dividends to net income (ytd only)* | 47.9705% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 3,313 |
| Loan loss allowance to noncurrent loans | 319.3939% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 6,457 |
| Noncurrent loans to loans | 0.5007% | 5,283 |
| Net loans and leases to total assets | 12.3779% | 7,002 |
| Net loans and leases to deposits | 14.0581% | 7,005 |
| Net loans and leases to core deposits | 14.8217% | 6,994 |
| Total domestic deposits to total assets | 88.0484% | 2,209 |
| Equity capital to assets | 10.4403% | 3,602 |
| Core capital (leverage) ratio | 8.2385% | 5,953 |
| Tier 1 risk-based capital ratio | 23.0281% | 1,113 |
| Total risk-based capital ratio | 23.5918% | 1,181 |
| Memoranda: | ||
| Average total assets | $258,045,800 | 2,456 |
| Average earning assets | $242,272,400 | 2,391 |
| Average equity | $26,410,400 | 2,532 |
| Average total loans | $33,103,400 | 5,797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5949% | 7,026 |
| Cost of funding earning assets | 0.2232% | 6,895 |
| Net interest margin | 2.3717% | 6,909 |
| Noninterest income to average assets | 0.9735% | 1,589 |
| Noninterest expense to average assets | 2.4076% | 5,372 |
| Loan and lease loss provision to assets | 0.0648% | 4,891 |
| Net operating income to assets | 0.7277% | 3,782 |
| Return on assets (ROA) | 1.1058% | 2,257 |
| Pretax return on assets | 1.1058% | 3,334 |
| Return on Equity (ROE) | 10.8598% | 2,006 |
| Retained earnings to average equity (ytd only) | 7.9054% | 1,653 |
| Net charge-offs to loans | 0.3379% | 2,767 |
| Credit loss provision to net charge-offs | 148.8095% | 1,902 |
| Earnings coverage of net charge-offs (x) | 18.1900% | 1,578 |
| Efficiency ratio | 75.2350% | 2,788 |
| Assets per employee ($millions) | 4.5248% | 2,871 |
| Cash dividends to net income (ytd only)* | 27.2043% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,523 |
| Loan loss allowance to noncurrent loans | 229.8851% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 6,583 |
| Noncurrent loans to loans | 0.4997% | 5,442 |
| Net loans and leases to total assets | 12.8931% | 7,100 |
| Net loans and leases to deposits | 15.1807% | 7,105 |
| Net loans and leases to core deposits | 16.0676% | 7,095 |
| Total domestic deposits to total assets | 84.9313% | 3,769 |
| Equity capital to assets | 10.6381% | 3,683 |
| Core capital (leverage) ratio | 8.3652% | 5,929 |
| Tier 1 risk-based capital ratio | 22.6492% | 1,231 |
| Total risk-based capital ratio | 23.0659% | 1,336 |
| Memoranda: | ||
| Average total assets | $257,065,750 | 2,489 |
| Average earning assets | $241,335,750 | 2,431 |
| Average equity | $26,175,500 | 2,572 |
| Average total loans | $33,141,000 | 5,867 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6541% | 7,087 |
| Cost of funding earning assets | 0.2346% | 6,960 |
| Net interest margin | 2.4196% | 6,950 |
| Noninterest income to average assets | 1.0608% | 1,279 |
| Noninterest expense to average assets | 2.3991% | 5,468 |
| Loan and lease loss provision to assets | 0.0867% | 4,502 |
| Net operating income to assets | 0.8433% | 3,178 |
| Return on assets (ROA) | 1.1254% | 2,177 |
| Pretax return on assets | 1.1254% | 3,209 |
| Return on Equity (ROE) | 11.2291% | 1,909 |
| Retained earnings to average equity (ytd only) | 9.1452% | 1,220 |
| Net charge-offs to loans | 0.5525% | 1,933 |
| Credit loss provision to net charge-offs | 122.2222% | 2,247 |
| Earnings coverage of net charge-offs (x) | 13.1111% | 1,818 |
| Efficiency ratio | 72.0644% | 3,422 |
| Assets per employee ($millions) | 4.3770% | 3,125 |
| Cash dividends to net income (ytd only)* | 18.5574% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 5,889 |
| Loan loss allowance to noncurrent loans | 214.1243% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 6,650 |
| Noncurrent loans to loans | 0.5007% | 5,536 |
| Net loans and leases to total assets | 13.3173% | 7,160 |
| Net loans and leases to deposits | 15.4054% | 7,168 |
| Net loans and leases to core deposits | 16.4571% | 7,158 |
| Total domestic deposits to total assets | 86.4458% | 3,101 |
| Equity capital to assets | 10.4756% | 3,718 |
| Core capital (leverage) ratio | 8.3970% | 5,796 |
| Tier 1 risk-based capital ratio | 22.1740% | 1,257 |
| Total risk-based capital ratio | 22.5676% | 1,397 |
| Memoranda: | ||
| Average total assets | $253,766,330 | 2,511 |
| Average earning assets | $237,892,000 | 2,453 |
| Average equity | $25,434,000 | 2,622 |
| Average total loans | $32,581,330 | 5,930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7648% | 7,122 |
| Cost of funding earning assets | 0.2437% | 7,022 |
| Net interest margin | 2.5211% | 6,940 |
| Noninterest income to average assets | 0.6802% | 2,758 |
| Noninterest expense to average assets | 2.3839% | 5,529 |
| Loan and lease loss provision to assets | 0.0241% | 5,045 |
| Net operating income to assets | 0.6289% | 4,225 |
| Return on assets (ROA) | 1.4855% | 1,170 |
| Pretax return on assets | 1.4855% | 1,908 |
| Return on Equity (ROE) | 15.1831% | 939 |
| Retained earnings to average equity (ytd only) | 12.8876% | 701 |
| Net charge-offs to loans | -0.1026% | 6,796 |
| Credit loss provision to net charge-offs | -187.5000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4997% | 2,427 |
| Assets per employee ($millions) | 4.3833% | 3,220 |
| Cash dividends to net income (ytd only)* | 15.1188% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,591 |
| Loan loss allowance to noncurrent loans | 83.9560% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 6,446 |
| Noncurrent loans to loans | 1.4053% | 4,003 |
| Net loans and leases to total assets | 12.3718% | 7,224 |
| Net loans and leases to deposits | 14.0933% | 7,230 |
| Net loans and leases to core deposits | 15.0812% | 7,226 |
| Total domestic deposits to total assets | 87.7848% | 2,476 |
| Equity capital to assets | 9.4319% | 4,900 |
| Core capital (leverage) ratio | 8.4980% | 5,597 |
| Tier 1 risk-based capital ratio | 21.9262% | 1,299 |
| Total risk-based capital ratio | 22.3256% | 1,446 |
| Memoranda: | ||
| Average total assets | $249,339,500 | 2,566 |
| Average earning assets | $233,069,000 | 2,512 |
| Average equity | $24,395,500 | 2,728 |
| Average total loans | $31,195,500 | 6,051 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2329% | 7,110 |
| Cost of funding earning assets | 0.3172% | 7,076 |
| Net interest margin | 2.9157% | 6,665 |
| Noninterest income to average assets | 0.6702% | 2,785 |
| Noninterest expense to average assets | 2.6781% | 4,823 |
| Loan and lease loss provision to assets | -0.0921% | 7,275 |
| Net operating income to assets | 0.7893% | 3,086 |
| Return on assets (ROA) | 1.4325% | 1,048 |
| Pretax return on assets | 1.4325% | 1,678 |
| Return on Equity (ROE) | 15.6727% | 654 |
| Retained earnings to average equity (ytd only) | 12.2491% | 283 |
| Net charge-offs to loans | -0.7498% | 7,297 |
| Credit loss provision to net charge-offs | 90.5983% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3459% | 2,398 |
| Assets per employee ($millions) | 4.2869% | 3,286 |
| Cash dividends to net income (ytd only)* | 21.8447% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 5,410 |
| Loan loss allowance to noncurrent loans | 67.7358% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2354% | 6,381 |
| Noncurrent loans to loans | 1.7658% | 3,513 |
| Net loans and leases to total assets | 12.3529% | 7,276 |
| Net loans and leases to deposits | 14.0021% | 7,282 |
| Net loans and leases to core deposits | 15.0976% | 7,276 |
| Total domestic deposits to total assets | 88.2216% | 2,013 |
| Equity capital to assets | 10.1635% | 3,953 |
| Core capital (leverage) ratio | 8.5865% | 5,424 |
| Tier 1 risk-based capital ratio | 21.9808% | 1,241 |
| Total risk-based capital ratio | 22.3718% | 1,366 |
| Memoranda: | ||
| Average total assets | $230,087,400 | 2,718 |
| Average earning assets | $213,462,800 | 2,691 |
| Average equity | $21,030,200 | 3,008 |
| Average total loans | $31,208,000 | 6,110 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3386% | 7,164 |
| Cost of funding earning assets | 0.3325% | 7,154 |
| Net interest margin | 3.0061% | 6,572 |
| Noninterest income to average assets | 0.6924% | 2,650 |
| Noninterest expense to average assets | 2.6591% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8196% | 3,063 |
| Return on assets (ROA) | 1.7827% | 583 |
| Pretax return on assets | 1.7827% | 984 |
| Return on Equity (ROE) | 20.0972% | 306 |
| Retained earnings to average equity (ytd only) | 16.9932% | 140 |
| Net charge-offs to loans | -0.9648% | 7,382 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4399% | 2,778 |
| Assets per employee ($millions) | 4.1901% | 3,464 |
| Cash dividends to net income (ytd only)* | 15.4453% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 2,746 |
| Loan loss allowance to noncurrent loans | 150.6667% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 6,652 |
| Noncurrent loans to loans | 1.2353% | 4,475 |
| Net loans and leases to total assets | 12.4744% | 7,352 |
| Net loans and leases to deposits | 14.3967% | 7,359 |
| Net loans and leases to core deposits | 15.6057% | 7,351 |
| Total domestic deposits to total assets | 86.6472% | 2,858 |
| Equity capital to assets | 9.6653% | 4,835 |
| Core capital (leverage) ratio | 8.6888% | 5,427 |
| Tier 1 risk-based capital ratio | 21.8692% | 1,316 |
| Total risk-based capital ratio | 22.4815% | 1,393 |
| Memoranda: | ||
| Average total assets | $227,592,750 | 2,759 |
| Average earning assets | $210,941,000 | 2,725 |
| Average equity | $20,188,000 | 3,119 |
| Average total loans | $31,506,500 | 6,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4625% | 7,182 |
| Cost of funding earning assets | 0.3569% | 7,213 |
| Net interest margin | 3.1057% | 6,397 |
| Noninterest income to average assets | 0.6826% | 2,638 |
| Noninterest expense to average assets | 2.7019% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8577% | 2,827 |
| Return on assets (ROA) | 2.0863% | 314 |
| Pretax return on assets | 2.0863% | 507 |
| Return on Equity (ROE) | 24.2942% | 152 |
| Retained earnings to average equity (ytd only) | 20.9648% | 80 |
| Net charge-offs to loans | -1.3860% | 7,454 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9036% | 3,029 |
| Assets per employee ($millions) | 3.7774% | 4,258 |
| Cash dividends to net income (ytd only)* | 13.7045% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6852% | 3,376 |
| Loan loss allowance to noncurrent loans | 186.6221% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 6,768 |
| Noncurrent loans to loans | 0.9030% | 5,158 |
| Net loans and leases to total assets | 14.1280% | 7,418 |
| Net loans and leases to deposits | 16.1814% | 7,430 |
| Net loans and leases to core deposits | 17.6743% | 7,418 |
| Total domestic deposits to total assets | 87.3102% | 2,564 |
| Equity capital to assets | 9.2018% | 5,280 |
| Core capital (leverage) ratio | 8.5652% | 5,452 |
| Tier 1 risk-based capital ratio | 21.1472% | 1,392 |
| Total risk-based capital ratio | 21.7486% | 1,487 |
| Memoranda: | ||
| Average total assets | $223,845,670 | 2,818 |
| Average earning assets | $207,361,670 | 2,787 |
| Average equity | $19,222,670 | 3,241 |
| Average total loans | $31,889,330 | 6,204 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4354% | 7,246 |
| Cost of funding earning assets | 0.3719% | 7,282 |
| Net interest margin | 3.0634% | 6,436 |
| Noninterest income to average assets | 0.6565% | 2,801 |
| Noninterest expense to average assets | 2.7367% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7581% | 3,231 |
| Return on assets (ROA) | 2.0657% | 332 |
| Pretax return on assets | 2.0657% | 497 |
| Return on Equity (ROE) | 24.9883% | 166 |
| Retained earnings to average equity (ytd only) | 20.6006% | 159 |
| Net charge-offs to loans | -2.7240% | 7,520 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3083% | 2,797 |
| Assets per employee ($millions) | 3.7512% | 4,420 |
| Cash dividends to net income (ytd only)* | 17.5593% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 3,107 |
| Loan loss allowance to noncurrent loans | 181.5182% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 6,834 |
| Noncurrent loans to loans | 0.9740% | 5,094 |
| Net loans and leases to total assets | 13.3554% | 7,482 |
| Net loans and leases to deposits | 15.3508% | 7,493 |
| Net loans and leases to core deposits | 16.6594% | 7,480 |
| Total domestic deposits to total assets | 87.0012% | 2,937 |
| Equity capital to assets | 8.2645% | 6,205 |
| Core capital (leverage) ratio | 8.4380% | 5,564 |
| Tier 1 risk-based capital ratio | 20.3841% | 1,504 |
| Total risk-based capital ratio | 20.9886% | 1,616 |
| Memoranda: | ||
| Average total assets | $220,557,500 | 2,872 |
| Average earning assets | $204,345,000 | 2,846 |
| Average equity | $18,232,500 | 3,370 |
| Average total loans | $31,278,000 | 6,277 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 7,350 |
| Cost of funding earning assets | 0.4998% | 7,300 |
| Net interest margin | 3.0994% | 6,519 |
| Noninterest income to average assets | 0.8297% | 2,142 |
| Noninterest expense to average assets | 2.9649% | 3,978 |
| Loan and lease loss provision to assets | -0.0348% | 7,587 |
| Net operating income to assets | 0.7614% | 2,952 |
| Return on assets (ROA) | 1.5238% | 787 |
| Pretax return on assets | 1.5238% | 1,316 |
| Return on Equity (ROE) | 18.4150% | 350 |
| Retained earnings to average equity (ytd only) | 11.0086% | 377 |
| Net charge-offs to loans | -0.0327% | 7,408 |
| Credit loss provision to net charge-offs | 750.0000% | 286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3169% | 2,374 |
| Assets per employee ($millions) | 3.6602% | 4,550 |
| Cash dividends to net income (ytd only)* | 40.2194% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 6,066 |
| Loan loss allowance to noncurrent loans | 121.6606% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 6,910 |
| Noncurrent loans to loans | 0.8809% | 5,307 |
| Net loans and leases to total assets | 14.6537% | 7,563 |
| Net loans and leases to deposits | 16.7577% | 7,575 |
| Net loans and leases to core deposits | 18.3381% | 7,558 |
| Total domestic deposits to total assets | 87.4448% | 2,582 |
| Equity capital to assets | 8.2687% | 6,181 |
| Core capital (leverage) ratio | 8.2689% | 5,728 |
| Tier 1 risk-based capital ratio | 20.1384% | 1,461 |
| Total risk-based capital ratio | 20.5239% | 1,621 |
| Memoranda: | ||
| Average total assets | $215,389,400 | 2,920 |
| Average earning assets | $198,874,200 | 2,892 |
| Average equity | $17,822,400 | 3,454 |
| Average total loans | $30,617,800 | 6,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 7,523 |
| Cost of funding earning assets | 0.5289% | 7,402 |
| Net interest margin | 2.9983% | 6,839 |
| Noninterest income to average assets | 0.6958% | 2,840 |
| Noninterest expense to average assets | 2.9310% | 3,977 |
| Loan and lease loss provision to assets | -0.0463% | 7,691 |
| Net operating income to assets | 0.5804% | 3,958 |
| Return on assets (ROA) | 1.8442% | 504 |
| Pretax return on assets | 1.8442% | 855 |
| Return on Equity (ROE) | 22.2844% | 188 |
| Retained earnings to average equity (ytd only) | 15.0550% | 207 |
| Net charge-offs to loans | -0.4516% | 7,678 |
| Credit loss provision to net charge-offs | 72.8155% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5853% | 1,776 |
| Assets per employee ($millions) | 3.5581% | 4,831 |
| Cash dividends to net income (ytd only)* | 32.4414% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,774 |
| Loan loss allowance to noncurrent loans | 113.1579% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 6,919 |
| Noncurrent loans to loans | 1.1798% | 4,885 |
| Net loans and leases to total assets | 14.6413% | 7,669 |
| Net loans and leases to deposits | 17.2737% | 7,679 |
| Net loans and leases to core deposits | 18.8308% | 7,660 |
| Total domestic deposits to total assets | 84.7611% | 3,743 |
| Equity capital to assets | 8.9429% | 5,656 |
| Core capital (leverage) ratio | 8.4252% | 5,655 |
| Tier 1 risk-based capital ratio | 19.8881% | 1,572 |
| Total risk-based capital ratio | 20.3722% | 1,690 |
| Memoranda: | ||
| Average total assets | $216,163,250 | 2,965 |
| Average earning assets | $199,661,500 | 2,925 |
| Average equity | $17,889,500 | 3,484 |
| Average total loans | $30,410,750 | 6,458 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 7,591 |
| Cost of funding earning assets | 0.5863% | 7,433 |
| Net interest margin | 2.9725% | 6,890 |
| Noninterest income to average assets | 0.6207% | 3,190 |
| Noninterest expense to average assets | 2.9166% | 4,016 |
| Loan and lease loss provision to assets | -0.0695% | 7,766 |
| Net operating income to assets | 0.5216% | 4,231 |
| Return on assets (ROA) | 2.4200% | 165 |
| Pretax return on assets | 2.4200% | 265 |
| Return on Equity (ROE) | 30.0529% | 57 |
| Retained earnings to average equity (ytd only) | 23.4947% | 58 |
| Net charge-offs to loans | -0.2549% | 7,672 |
| Credit loss provision to net charge-offs | 197.3684% | 2,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5787% | 1,646 |
| Assets per employee ($millions) | 3.2123% | 5,658 |
| Cash dividends to net income (ytd only)* | 21.8224% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,305 |
| Loan loss allowance to noncurrent loans | 127.6224% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 7,052 |
| Noncurrent loans to loans | 0.9621% | 5,381 |
| Net loans and leases to total assets | 13.8495% | 7,737 |
| Net loans and leases to deposits | 16.3323% | 7,751 |
| Net loans and leases to core deposits | 17.8509% | 7,735 |
| Total domestic deposits to total assets | 84.7982% | 3,728 |
| Equity capital to assets | 8.2188% | 6,519 |
| Core capital (leverage) ratio | 8.3224% | 5,716 |
| Tier 1 risk-based capital ratio | 20.0158% | 1,516 |
| Total risk-based capital ratio | 20.4289% | 1,642 |
| Memoranda: | ||
| Average total assets | $215,870,000 | 2,988 |
| Average earning assets | $199,564,670 | 2,961 |
| Average equity | $17,382,670 | 3,570 |
| Average total loans | $29,811,670 | 6,538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 7,594 |
| Cost of funding earning assets | 0.6422% | 7,464 |
| Net interest margin | 3.1475% | 6,463 |
| Noninterest income to average assets | 0.5767% | 3,443 |
| Noninterest expense to average assets | 2.8595% | 4,230 |
| Loan and lease loss provision to assets | 0.0275% | 6,402 |
| Net operating income to assets | 0.6061% | 3,866 |
| Return on assets (ROA) | 4.3692% | 51 |
| Pretax return on assets | 4.3692% | 68 |
| Return on Equity (ROE) | 54.8109% | 22 |
| Retained earnings to average equity (ytd only) | 50.2030% | 18 |
| Net charge-offs to loans | -0.3484% | 7,762 |
| Credit loss provision to net charge-offs | -57.6923% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8612% | 2,285 |
| Assets per employee ($millions) | 3.4471% | 5,159 |
| Cash dividends to net income (ytd only)* | 8.4069% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 4,001 |
| Loan loss allowance to noncurrent loans | 150.1695% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 7,143 |
| Noncurrent loans to loans | 0.9864% | 5,353 |
| Net loans and leases to total assets | 13.5670% | 7,841 |
| Net loans and leases to deposits | 15.6424% | 7,855 |
| Net loans and leases to core deposits | 17.9189% | 7,834 |
| Total domestic deposits to total assets | 86.7319% | 2,774 |
| Equity capital to assets | 8.1214% | 6,516 |
| Core capital (leverage) ratio | 8.4564% | 5,453 |
| Tier 1 risk-based capital ratio | 20.1775% | 1,488 |
| Total risk-based capital ratio | 20.6791% | 1,609 |
| Memoranda: | ||
| Average total assets | $217,797,500 | 3,017 |
| Average earning assets | $201,810,500 | 2,968 |
| Average equity | $17,361,500 | 3,589 |
| Average total loans | $29,853,500 | 6,612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 7,118 |
| Cost of funding earning assets | 1.0135% | 7,184 |
| Net interest margin | 3.7006% | 4,142 |
| Noninterest income to average assets | 0.8153% | 2,330 |
| Noninterest expense to average assets | 2.9941% | 4,163 |
| Loan and lease loss provision to assets | 0.1094% | 6,556 |
| Net operating income to assets | 1.1430% | 1,402 |
| Return on assets (ROA) | 0.8030% | 2,612 |
| Pretax return on assets | 0.8030% | 3,233 |
| Return on Equity (ROE) | 10.1293% | 1,653 |
| Retained earnings to average equity (ytd only) | 3.2596% | 2,876 |
| Net charge-offs to loans | 0.7885% | 2,857 |
| Credit loss provision to net charge-offs | 97.5610% | 5,703 |
| Earnings coverage of net charge-offs (x) | 11.1707% | 1,620 |
| Efficiency ratio | 70.5087% | 4,522 |
| Assets per employee ($millions) | 3.4671% | 5,084 |
| Cash dividends to net income (ytd only)* | 67.8207% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 13.4594% | 7,918 |
| Net loans and leases to deposits | 16.0855% | 7,930 |
| Net loans and leases to core deposits | 18.6856% | 7,925 |
| Total domestic deposits to total assets | 83.6738% | 4,188 |
| Equity capital to assets | 7.8223% | 6,744 |
| Core capital (leverage) ratio | 7.0019% | 7,237 |
| Tier 1 risk-based capital ratio | 17.7118% | 1,966 |
| Total risk-based capital ratio | 18.1670% | 2,144 |
| Memoranda: | ||
| Average total assets | $219,431,600 | 2,952 |
| Average earning assets | $203,454,400 | 2,926 |
| Average equity | $17,395,000 | 3,594 |
| Average total loans | $31,197,400 | 6,573 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 7,172 |
| Cost of funding earning assets | 1.0929% | 7,189 |
| Net interest margin | 3.6762% | 4,182 |
| Noninterest income to average assets | 0.8448% | 2,224 |
| Noninterest expense to average assets | 2.8811% | 4,532 |
| Loan and lease loss provision to assets | 0.1092% | 6,280 |
| Net operating income to assets | 1.2618% | 1,316 |
| Return on assets (ROA) | 1.6029% | 714 |
| Pretax return on assets | 1.6029% | 1,172 |
| Return on Equity (ROE) | 20.1534% | 300 |
| Retained earnings to average equity (ytd only) | 13.1329% | 251 |
| Net charge-offs to loans | 0.0211% | 6,602 |
| Credit loss provision to net charge-offs | 3,600.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 451.5622% | 77 |
| Efficiency ratio | 67.7562% | 5,030 |
| Assets per employee ($millions) | 3.5220% | 4,874 |
| Cash dividends to net income (ytd only)* | 34.8354% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 2,159 |
| Loan loss allowance to noncurrent loans | 176.1329% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 7,182 |
| Noncurrent loans to loans | 1.0491% | 5,221 |
| Net loans and leases to total assets | 13.5268% | 8,003 |
| Net loans and leases to deposits | 15.8261% | 8,013 |
| Net loans and leases to core deposits | 19.0270% | 8,009 |
| Total domestic deposits to total assets | 85.4720% | 2,985 |
| Equity capital to assets | 8.9735% | 5,522 |
| Core capital (leverage) ratio | 7.4152% | 7,064 |
| Tier 1 risk-based capital ratio | 18.3504% | 1,898 |
| Total risk-based capital ratio | 18.9873% | 2,012 |
| Memoranda: | ||
| Average total assets | $219,682,500 | 2,960 |
| Average earning assets | $203,608,500 | 2,935 |
| Average equity | $17,472,250 | 3,620 |
| Average total loans | $31,546,500 | 6,593 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 7,130 |
| Cost of funding earning assets | 1.2018% | 7,097 |
| Net interest margin | 3.6503% | 4,165 |
| Noninterest income to average assets | 0.8670% | 2,108 |
| Noninterest expense to average assets | 2.9640% | 4,233 |
| Loan and lease loss provision to assets | 0.1108% | 6,043 |
| Net operating income to assets | 1.1662% | 1,569 |
| Return on assets (ROA) | 1.7535% | 554 |
| Pretax return on assets | 1.7535% | 924 |
| Return on Equity (ROE) | 23.0900% | 192 |
| Retained earnings to average equity (ytd only) | 14.9435% | 209 |
| Net charge-offs to loans | 0.0254% | 6,127 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 345.7500% | 110 |
| Efficiency ratio | 69.8890% | 4,803 |
| Assets per employee ($millions) | 3.4038% | 5,053 |
| Cash dividends to net income (ytd only)* | 35.2817% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 2,625 |
| Loan loss allowance to noncurrent loans | 209.6000% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 7,285 |
| Noncurrent loans to loans | 0.7766% | 5,679 |
| Net loans and leases to total assets | 14.3133% | 8,084 |
| Net loans and leases to deposits | 16.1169% | 8,101 |
| Net loans and leases to core deposits | 19.2998% | 8,093 |
| Total domestic deposits to total assets | 88.8094% | 1,367 |
| Equity capital to assets | 7.4201% | 7,337 |
| Core capital (leverage) ratio | 7.2528% | 7,301 |
| Tier 1 risk-based capital ratio | 17.5552% | 2,129 |
| Total risk-based capital ratio | 18.1193% | 2,293 |
| Memoranda: | ||
| Average total assets | $216,600,000 | 3,024 |
| Average earning assets | $200,202,670 | 2,999 |
| Average equity | $16,448,670 | 3,827 |
| Average total loans | $31,545,330 | 6,640 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 7,377 |
| Cost of funding earning assets | 1.3375% | 6,911 |
| Net interest margin | 3.4568% | 4,907 |
| Noninterest income to average assets | 0.8718% | 1,977 |
| Noninterest expense to average assets | 2.8580% | 4,313 |
| Loan and lease loss provision to assets | 0.1120% | 5,531 |
| Net operating income to assets | 1.0715% | 2,061 |
| Return on assets (ROA) | 2.5071% | 165 |
| Pretax return on assets | 2.5071% | 259 |
| Return on Equity (ROE) | 32.6278% | 75 |
| Retained earnings to average equity (ytd only) | 25.3394% | 77 |
| Net charge-offs to loans | -0.0512% | 7,701 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7159% | 4,427 |
| Assets per employee ($millions) | 3.5880% | 4,593 |
| Cash dividends to net income (ytd only)* | 22.3380% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 13.8646% | 8,141 |
| Net loans and leases to deposits | 16.0937% | 8,157 |
| Net loans and leases to core deposits | 18.9271% | 8,146 |
| Total domestic deposits to total assets | 86.1489% | 2,639 |
| Equity capital to assets | 7.6540% | 7,214 |
| Core capital (leverage) ratio | 7.3685% | 7,302 |
| Tier 1 risk-based capital ratio | 18.0153% | 2,049 |
| Total risk-based capital ratio | 18.5425% | 2,193 |
| Memoranda: | ||
| Average total assets | $214,275,500 | 3,064 |
| Average earning assets | $196,482,500 | 3,061 |
| Average equity | $16,464,500 | 3,849 |
| Average total loans | $31,222,000 | 6,688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2902% | 7,606 |
| Cost of funding earning assets | 1.5776% | 7,488 |
| Net interest margin | 3.7126% | 4,417 |
| Noninterest income to average assets | 0.8545% | 2,202 |
| Noninterest expense to average assets | 2.9660% | 4,198 |
| Loan and lease loss provision to assets | -0.2074% | 8,270 |
| Net operating income to assets | 1.4497% | 1,130 |
| Return on assets (ROA) | 1.6526% | 713 |
| Pretax return on assets | 1.6526% | 1,253 |
| Return on Equity (ROE) | 22.0985% | 253 |
| Retained earnings to average equity (ytd only) | 8.6598% | 665 |
| Net charge-offs to loans | -0.5968% | 8,221 |
| Credit loss provision to net charge-offs | 225.0000% | 2,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4800% | 4,252 |
| Assets per employee ($millions) | 3.2713% | 5,287 |
| Cash dividends to net income (ytd only)* | 60.8128% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 3,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 14.9064% | 8,189 |
| Net loans and leases to deposits | 17.5120% | 8,202 |
| Net loans and leases to core deposits | 20.0800% | 8,197 |
| Total domestic deposits to total assets | 85.1212% | 2,788 |
| Equity capital to assets | 7.7160% | 7,185 |
| Core capital (leverage) ratio | 7.2464% | 7,473 |
| Tier 1 risk-based capital ratio | 17.1608% | 2,261 |
| Total risk-based capital ratio | 17.6248% | 2,467 |
| Memoranda: | ||
| Average total assets | $203,978,800 | 3,086 |
| Average earning assets | $184,265,600 | 3,131 |
| Average equity | $15,254,400 | 4,087 |
| Average total loans | $31,500,200 | 6,631 |