Home > Macon Bank and Trust Company > Performance and Condition Ratios
Macon Bank and Trust Company, 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 | 4.9530% | 2,169 |
| Cost of funding earning assets | 2.0772% | 807 |
| Net interest margin | 2.8758% | 3,529 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.1239% | 3,341 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7407% | 3,077 |
| Return on assets (ROA) | 0.7399% | 3,060 |
| Pretax return on assets | 0.9645% | 2,768 |
| Return on Equity (ROE) | 13.8800% | 1,505 |
| Retained earnings to average equity (ytd only) | 10.7749% | 846 |
| Net charge-offs to loans | 0.0185% | 1,989 |
| Credit loss provision to net charge-offs | 258.3333% | 1,050 |
| Earnings coverage of net charge-offs (x) | 107.6667% | 871 |
| Efficiency ratio | 67.5931% | 2,158 |
| Assets per employee ($millions) | 6.2709% | 2,576 |
| Cash dividends to net income (ytd only)* | 22.3690% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 3,813 |
| Loan loss allowance to noncurrent loans | 1,445.4128% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,430 |
| Noncurrent loans to loans | 0.0600% | 3,290 |
| Net loans and leases to total assets | 53.6600% | 3,374 |
| Net loans and leases to deposits | 58.5572% | 3,605 |
| Net loans and leases to core deposits | 70.2934% | 3,292 |
| Total domestic deposits to total assets | 91.6400% | 368 |
| Equity capital to assets | 5.6730% | 4,301 |
| Core capital (leverage) ratio | 9.7649% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $634,391,800 | 1,406 |
| Average earning assets | $588,151,200 | 1,399 |
| Average equity | $33,819,400 | 2,102 |
| Average total loans | $324,858,800 | 1,703 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 2,206 |
| Cost of funding earning assets | 1.9179% | 834 |
| Net interest margin | 2.9120% | 3,518 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.1431% | 3,231 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7513% | 3,168 |
| Return on assets (ROA) | 0.7504% | 3,164 |
| Pretax return on assets | 0.9792% | 2,913 |
| Return on Equity (ROE) | 14.3200% | 1,576 |
| Retained earnings to average equity (ytd only) | 12.6134% | 869 |
| Net charge-offs to loans | 0.0169% | 1,794 |
| Credit loss provision to net charge-offs | 157.5000% | 1,289 |
| Earnings coverage of net charge-offs (x) | 121.0500% | 835 |
| Efficiency ratio | 67.4859% | 2,074 |
| Assets per employee ($millions) | 6.0352% | 2,725 |
| Cash dividends to net income (ytd only)* | 11.9352% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 3,770 |
| Loan loss allowance to noncurrent loans | 1,480.2885% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,466 |
| Noncurrent loans to loans | 0.0600% | 3,325 |
| Net loans and leases to total assets | 52.7400% | 3,442 |
| Net loans and leases to deposits | 57.9248% | 3,611 |
| Net loans and leases to core deposits | 68.5509% | 3,294 |
| Total domestic deposits to total assets | 91.0500% | 659 |
| Equity capital to assets | 4.6321% | 4,313 |
| Core capital (leverage) ratio | 9.9248% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $625,242,500 | 1,422 |
| Average earning assets | $579,101,500 | 1,418 |
| Average equity | $32,758,000 | 2,139 |
| Average total loans | $315,273,250 | 1,741 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 2,314 |
| Cost of funding earning assets | 1.6701% | 931 |
| Net interest margin | 2.9761% | 3,494 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.1707% | 3,166 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.7713% | 3,163 |
| Return on assets (ROA) | 0.7700% | 3,177 |
| Pretax return on assets | 1.0039% | 2,900 |
| Return on Equity (ROE) | 14.1200% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.6204% | 1,055 |
| Net charge-offs to loans | 0.0144% | 1,656 |
| Credit loss provision to net charge-offs | 750.0000% | 497 |
| Earnings coverage of net charge-offs (x) | 148.3636% | 757 |
| Efficiency ratio | 67.2092% | 2,079 |
| Assets per employee ($millions) | 5.8854% | 2,811 |
| Cash dividends to net income (ytd only)* | 17.6991% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9712% | 3,528 |
| Loan loss allowance to noncurrent loans | 245.6989% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 2,162 |
| Noncurrent loans to loans | 0.3953% | 1,748 |
| Net loans and leases to total assets | 51.3200% | 3,461 |
| Net loans and leases to deposits | 56.3714% | 3,619 |
| Net loans and leases to core deposits | 65.9779% | 3,352 |
| Total domestic deposits to total assets | 91.0400% | 638 |
| Equity capital to assets | 5.3508% | 4,318 |
| Core capital (leverage) ratio | 10.0018% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $616,388,333 | 1,438 |
| Average earning assets | $570,617,333 | 1,440 |
| Average equity | $33,613,333 | 2,115 |
| Average total loans | $304,746,667 | 1,758 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 2,475 |
| Cost of funding earning assets | 1.4858% | 868 |
| Net interest margin | 2.9423% | 3,717 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.2071% | 3,083 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7035% | 3,457 |
| Return on assets (ROA) | 0.7014% | 3,412 |
| Pretax return on assets | 0.9084% | 3,211 |
| Return on Equity (ROE) | 12.7400% | 2,039 |
| Retained earnings to average equity (ytd only) | 12.7370% | 1,134 |
| Net charge-offs to loans | 0.0027% | 1,926 |
| Credit loss provision to net charge-offs | 5,250.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 743.5000% | 154 |
| Efficiency ratio | 69.2451% | 1,827 |
| Assets per employee ($millions) | 5.9954% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,267 |
| Loan loss allowance to noncurrent loans | 1,183.1461% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,345 |
| Noncurrent loans to loans | 0.0892% | 3,104 |
| Net loans and leases to total assets | 47.5000% | 3,666 |
| Net loans and leases to deposits | 51.0091% | 3,846 |
| Net loans and leases to core deposits | 58.8656% | 3,590 |
| Total domestic deposits to total assets | 93.1200% | 290 |
| Equity capital to assets | 5.6063% | 4,315 |
| Core capital (leverage) ratio | 10.1729% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $606,772,000 | 1,483 |
| Average earning assets | $561,865,500 | 1,484 |
| Average equity | $33,414,500 | 2,146 |
| Average total loans | $292,419,500 | 1,823 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 2,225 |
| Cost of funding earning assets | 0.6782% | 649 |
| Net interest margin | 3.1396% | 3,060 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.1865% | 3,065 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9109% | 2,919 |
| Return on assets (ROA) | 0.8910% | 2,938 |
| Pretax return on assets | 1.1542% | 2,588 |
| Return on Equity (ROE) | 12.8300% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.2343% | 1,083 |
| Net charge-offs to loans | 0.0356% | 1,370 |
| Credit loss provision to net charge-offs | 214.2857% | 1,075 |
| Earnings coverage of net charge-offs (x) | 77.7143% | 1,102 |
| Efficiency ratio | 64.3207% | 2,456 |
| Assets per employee ($millions) | 5.6733% | 3,060 |
| Cash dividends to net income (ytd only)* | 20.2117% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,036 |
| Loan loss allowance to noncurrent loans | 1,543.4343% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,455 |
| Noncurrent loans to loans | 0.0693% | 3,254 |
| Net loans and leases to total assets | 47.8700% | 3,675 |
| Net loans and leases to deposits | 52.7395% | 3,749 |
| Net loans and leases to core deposits | 59.8075% | 3,517 |
| Total domestic deposits to total assets | 90.7700% | 1,032 |
| Equity capital to assets | 5.4020% | 4,267 |
| Core capital (leverage) ratio | 10.3906% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $583,068,000 | 1,531 |
| Average earning assets | $537,771,200 | 1,530 |
| Average equity | $40,501,200 | 1,902 |
| Average total loans | $255,385,200 | 1,911 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 2,142 |
| Cost of funding earning assets | 0.6008% | 436 |
| Net interest margin | 3.0671% | 3,035 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1607% | 3,038 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8794% | 2,967 |
| Return on assets (ROA) | 0.8718% | 2,967 |
| Pretax return on assets | 1.1307% | 2,628 |
| Return on Equity (ROE) | 11.8800% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.5674% | 1,174 |
| Net charge-offs to loans | 0.0425% | 1,065 |
| Credit loss provision to net charge-offs | 170.8861% | 1,059 |
| Earnings coverage of net charge-offs (x) | 64.6456% | 1,135 |
| Efficiency ratio | 64.8472% | 2,430 |
| Assets per employee ($millions) | 5.4239% | 3,299 |
| Cash dividends to net income (ytd only)* | 11.0497% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 2,887 |
| Loan loss allowance to noncurrent loans | 419.9721% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,720 |
| Noncurrent loans to loans | 0.2689% | 2,299 |
| Net loans and leases to total assets | 46.2300% | 3,743 |
| Net loans and leases to deposits | 49.8335% | 3,864 |
| Net loans and leases to core deposits | 54.6135% | 3,712 |
| Total domestic deposits to total assets | 92.7800% | 637 |
| Equity capital to assets | 5.3741% | 4,168 |
| Core capital (leverage) ratio | 10.4442% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $581,328,250 | 1,539 |
| Average earning assets | $536,130,500 | 1,552 |
| Average equity | $42,658,250 | 1,861 |
| Average total loans | $247,850,000 | 1,951 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 2,122 |
| Cost of funding earning assets | 0.6031% | 267 |
| Net interest margin | 2.9038% | 3,160 |
| Noninterest income to average assets | 0.4955% | 2,229 |
| Noninterest expense to average assets | 2.1337% | 3,051 |
| Loan and lease loss provision to assets | 0.0308% | 2,038 |
| Net operating income to assets | 0.7781% | 3,035 |
| Return on assets (ROA) | 0.7702% | 3,025 |
| Pretax return on assets | 0.9930% | 2,759 |
| Return on Equity (ROE) | 9.6581% | 2,468 |
| Retained earnings to average equity (ytd only) | 7.8585% | 1,670 |
| Net charge-offs to loans | 0.0223% | 1,278 |
| Credit loss provision to net charge-offs | 333.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 112.0370% | 766 |
| Efficiency ratio | 67.3643% | 2,327 |
| Assets per employee ($millions) | 5.5170% | 3,212 |
| Cash dividends to net income (ytd only)* | 18.6335% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,622 |
| Loan loss allowance to noncurrent loans | 284.8771% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 2,438 |
| Noncurrent loans to loans | 0.4260% | 1,841 |
| Net loans and leases to total assets | 42.7577% | 3,915 |
| Net loans and leases to deposits | 46.1090% | 4,023 |
| Net loans and leases to core deposits | 50.1794% | 3,926 |
| Total domestic deposits to total assets | 92.7318% | 579 |
| Equity capital to assets | 5.7054% | 4,300 |
| Core capital (leverage) ratio | 10.2101% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $585,269,333 | 1,534 |
| Average earning assets | $538,536,000 | 1,560 |
| Average equity | $46,675,667 | 1,773 |
| Average total loans | $241,696,667 | 1,985 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3105% | 2,358 |
| Cost of funding earning assets | 0.6138% | 238 |
| Net interest margin | 2.6968% | 3,405 |
| Noninterest income to average assets | 0.4690% | 2,304 |
| Noninterest expense to average assets | 2.0818% | 3,215 |
| Loan and lease loss provision to assets | 0.0305% | 1,819 |
| Net operating income to assets | 0.6621% | 3,189 |
| Return on assets (ROA) | 0.6524% | 3,203 |
| Pretax return on assets | 0.8365% | 2,989 |
| Return on Equity (ROE) | 7.1879% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.1879% | 1,836 |
| Net charge-offs to loans | 0.0034% | 1,660 |
| Credit loss provision to net charge-offs | 2,250.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 649.5000% | 152 |
| Efficiency ratio | 70.3086% | 2,191 |
| Assets per employee ($millions) | 5.7817% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,516 |
| Loan loss allowance to noncurrent loans | 988.1188% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,533 |
| Noncurrent loans to loans | 0.1282% | 3,171 |
| Net loans and leases to total assets | 39.1928% | 4,063 |
| Net loans and leases to deposits | 43.7860% | 4,076 |
| Net loans and leases to core deposits | 47.5605% | 4,002 |
| Total domestic deposits to total assets | 89.5098% | 1,807 |
| Equity capital to assets | 7.9776% | 3,591 |
| Core capital (leverage) ratio | 10.1371% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $591,017,500 | 1,525 |
| Average earning assets | $546,136,500 | 1,543 |
| Average equity | $53,645,500 | 1,632 |
| Average total loans | $238,372,000 | 2,003 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 2,643 |
| Cost of funding earning assets | 0.7012% | 323 |
| Net interest margin | 2.8048% | 3,655 |
| Noninterest income to average assets | 0.5090% | 2,519 |
| Noninterest expense to average assets | 2.1477% | 3,238 |
| Loan and lease loss provision to assets | 0.0252% | 2,560 |
| Net operating income to assets | 0.7367% | 3,528 |
| Return on assets (ROA) | 0.8375% | 3,289 |
| Pretax return on assets | 1.0572% | 3,114 |
| Return on Equity (ROE) | 7.8642% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.1638% | 2,288 |
| Net charge-offs to loans | 0.0023% | 2,546 |
| Credit loss provision to net charge-offs | 2,800.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 1,059.8000% | 139 |
| Efficiency ratio | 69.2241% | 1,828 |
| Assets per employee ($millions) | 5.6943% | 3,063 |
| Cash dividends to net income (ytd only)* | 21.6222% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 2,746 |
| Loan loss allowance to noncurrent loans | 478.2820% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 3,195 |
| Noncurrent loans to loans | 0.2567% | 2,694 |
| Net loans and leases to total assets | 40.4760% | 4,070 |
| Net loans and leases to deposits | 45.9465% | 4,096 |
| Net loans and leases to core deposits | 50.1351% | 4,009 |
| Total domestic deposits to total assets | 88.0937% | 1,997 |
| Equity capital to assets | 10.1929% | 2,479 |
| Core capital (leverage) ratio | 10.3296% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,970,200 | 1,558 |
| Average earning assets | $513,152,400 | 1,565 |
| Average equity | $59,103,000 | 1,528 |
| Average total loans | $219,341,000 | 2,104 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5220% | 2,761 |
| Cost of funding earning assets | 0.7186% | 345 |
| Net interest margin | 2.8033% | 3,772 |
| Noninterest income to average assets | 0.5059% | 2,601 |
| Noninterest expense to average assets | 2.1844% | 3,120 |
| Loan and lease loss provision to assets | 0.0269% | 2,460 |
| Net operating income to assets | 0.7023% | 3,761 |
| Return on assets (ROA) | 0.8435% | 3,468 |
| Pretax return on assets | 1.0609% | 3,296 |
| Return on Equity (ROE) | 7.8302% | 3,454 |
| Retained earnings to average equity (ytd only) | 6.9818% | 2,428 |
| Net charge-offs to loans | 0.0012% | 2,389 |
| Credit loss provision to net charge-offs | 5,500.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 1,869.5000% | 76 |
| Efficiency ratio | 70.5637% | 1,540 |
| Assets per employee ($millions) | 5.4936% | 3,208 |
| Cash dividends to net income (ytd only)* | 10.8350% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 2,782 |
| Loan loss allowance to noncurrent loans | 408.9510% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 3,280 |
| Noncurrent loans to loans | 0.3037% | 2,709 |
| Net loans and leases to total assets | 40.6989% | 4,173 |
| Net loans and leases to deposits | 46.5048% | 4,211 |
| Net loans and leases to core deposits | 50.8773% | 4,088 |
| Total domestic deposits to total assets | 87.5156% | 2,101 |
| Equity capital to assets | 10.6895% | 2,270 |
| Core capital (leverage) ratio | 10.4073% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $547,084,000 | 1,589 |
| Average earning assets | $505,387,500 | 1,599 |
| Average equity | $58,933,000 | 1,554 |
| Average total loans | $214,089,000 | 2,173 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 2,963 |
| Cost of funding earning assets | 0.7342% | 390 |
| Net interest margin | 2.7405% | 3,901 |
| Noninterest income to average assets | 0.4987% | 2,628 |
| Noninterest expense to average assets | 2.2041% | 3,080 |
| Loan and lease loss provision to assets | 0.0223% | 2,527 |
| Net operating income to assets | 0.6590% | 3,857 |
| Return on assets (ROA) | 0.6456% | 3,946 |
| Pretax return on assets | 0.7852% | 3,901 |
| Return on Equity (ROE) | 5.9774% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.6891% | 3,302 |
| Net charge-offs to loans | -0.0010% | 3,085 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7941% | 1,354 |
| Assets per employee ($millions) | 5.4235% | 3,218 |
| Cash dividends to net income (ytd only)* | 21.5517% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,134 |
| Loan loss allowance to noncurrent loans | 252.8120% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 2,948 |
| Noncurrent loans to loans | 0.5395% | 2,052 |
| Net loans and leases to total assets | 36.5388% | 4,442 |
| Net loans and leases to deposits | 41.9069% | 4,463 |
| Net loans and leases to core deposits | 45.8207% | 4,399 |
| Total domestic deposits to total assets | 87.1904% | 2,223 |
| Equity capital to assets | 10.4114% | 2,479 |
| Core capital (leverage) ratio | 10.2079% | 2,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,999,667 | 1,602 |
| Average earning assets | $497,434,000 | 1,609 |
| Average equity | $58,219,667 | 1,565 |
| Average total loans | $206,968,000 | 2,229 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 3,515 |
| Cost of funding earning assets | 0.7533% | 441 |
| Net interest margin | 2.5225% | 4,263 |
| Noninterest income to average assets | 0.5247% | 2,505 |
| Noninterest expense to average assets | 2.2499% | 2,947 |
| Loan and lease loss provision to assets | 0.0229% | 2,485 |
| Net operating income to assets | 0.4870% | 4,197 |
| Return on assets (ROA) | 0.4727% | 4,266 |
| Pretax return on assets | 0.5544% | 4,264 |
| Return on Equity (ROE) | 4.2923% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.2923% | 3,419 |
| Net charge-offs to loans | -0.0078% | 3,566 |
| Credit loss provision to net charge-offs | -750.0000% | 3,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1085% | 885 |
| Assets per employee ($millions) | 5.3330% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,141 |
| Loan loss allowance to noncurrent loans | 359.8485% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 3,458 |
| Noncurrent loans to loans | 0.3783% | 2,742 |
| Net loans and leases to total assets | 37.2366% | 4,442 |
| Net loans and leases to deposits | 42.4183% | 4,476 |
| Net loans and leases to core deposits | 46.2369% | 4,430 |
| Total domestic deposits to total assets | 87.7845% | 1,960 |
| Equity capital to assets | 10.1871% | 2,528 |
| Core capital (leverage) ratio | 10.9591% | 1,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $523,764,000 | 1,622 |
| Average earning assets | $481,586,500 | 1,643 |
| Average equity | $57,684,500 | 1,567 |
| Average total loans | $204,974,500 | 2,245 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 3,241 |
| Cost of funding earning assets | 0.9779% | 647 |
| Net interest margin | 2.8440% | 4,196 |
| Noninterest income to average assets | 0.5553% | 2,397 |
| Noninterest expense to average assets | 2.4704% | 2,938 |
| Loan and lease loss provision to assets | 0.0368% | 3,950 |
| Net operating income to assets | 0.5432% | 3,921 |
| Return on assets (ROA) | 0.6204% | 3,802 |
| Pretax return on assets | 0.7391% | 3,792 |
| Return on Equity (ROE) | 5.1161% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.4994% | 2,531 |
| Net charge-offs to loans | 0.0214% | 2,632 |
| Credit loss provision to net charge-offs | 404.7619% | 1,420 |
| Earnings coverage of net charge-offs (x) | 75.1429% | 930 |
| Efficiency ratio | 78.3137% | 1,013 |
| Assets per employee ($millions) | 4.7394% | 3,675 |
| Cash dividends to net income (ytd only)* | 12.0545% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,958 |
| Loan loss allowance to noncurrent loans | 614.8472% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,838 |
| Noncurrent loans to loans | 0.2283% | 3,386 |
| Net loans and leases to total assets | 40.1214% | 4,434 |
| Net loans and leases to deposits | 46.6496% | 4,441 |
| Net loans and leases to core deposits | 51.5308% | 4,367 |
| Total domestic deposits to total assets | 86.0058% | 2,362 |
| Equity capital to assets | 11.9433% | 1,601 |
| Core capital (leverage) ratio | 11.5023% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $461,344,800 | 1,665 |
| Average earning assets | $421,618,400 | 1,690 |
| Average equity | $55,940,800 | 1,531 |
| Average total loans | $195,911,400 | 2,276 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,384 |
| Cost of funding earning assets | 1.0175% | 719 |
| Net interest margin | 2.8424% | 4,274 |
| Noninterest income to average assets | 0.5528% | 2,380 |
| Noninterest expense to average assets | 2.5010% | 2,846 |
| Loan and lease loss provision to assets | 0.0441% | 3,804 |
| Net operating income to assets | 0.5110% | 3,998 |
| Return on assets (ROA) | 0.5972% | 3,875 |
| Pretax return on assets | 0.7092% | 3,882 |
| Return on Equity (ROE) | 4.9049% | 3,920 |
| Retained earnings to average equity (ytd only) | 4.0717% | 3,010 |
| Net charge-offs to loans | 0.0349% | 2,134 |
| Credit loss provision to net charge-offs | 294.1176% | 1,783 |
| Earnings coverage of net charge-offs (x) | 43.3922% | 1,299 |
| Efficiency ratio | 79.3544% | 913 |
| Assets per employee ($millions) | 4.6932% | 3,608 |
| Cash dividends to net income (ytd only)* | 16.9867% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,819 |
| Loan loss allowance to noncurrent loans | 561.8952% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,896 |
| Noncurrent loans to loans | 0.2457% | 3,421 |
| Net loans and leases to total assets | 41.1878% | 4,526 |
| Net loans and leases to deposits | 48.0184% | 4,552 |
| Net loans and leases to core deposits | 53.4837% | 4,471 |
| Total domestic deposits to total assets | 85.7752% | 2,155 |
| Equity capital to assets | 12.0405% | 1,649 |
| Core capital (leverage) ratio | 11.6716% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,456,750 | 1,667 |
| Average earning assets | $414,612,500 | 1,686 |
| Average equity | $55,209,000 | 1,541 |
| Average total loans | $194,746,000 | 2,283 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,421 |
| Cost of funding earning assets | 1.0639% | 806 |
| Net interest margin | 2.8998% | 4,305 |
| Noninterest income to average assets | 0.5601% | 2,300 |
| Noninterest expense to average assets | 2.5440% | 2,844 |
| Loan and lease loss provision to assets | 0.0406% | 3,773 |
| Net operating income to assets | 0.5223% | 3,948 |
| Return on assets (ROA) | 0.6390% | 3,700 |
| Pretax return on assets | 0.7703% | 3,673 |
| Return on Equity (ROE) | 5.2277% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.9549% | 2,935 |
| Net charge-offs to loans | 0.0468% | 1,817 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 33.0222% | 1,366 |
| Efficiency ratio | 79.1497% | 945 |
| Assets per employee ($millions) | 4.5745% | 3,688 |
| Cash dividends to net income (ytd only)* | 24.3472% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,632 |
| Loan loss allowance to noncurrent loans | 344.6406% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 3,652 |
| Noncurrent loans to loans | 0.4028% | 2,963 |
| Net loans and leases to total assets | 41.2016% | 4,558 |
| Net loans and leases to deposits | 48.5974% | 4,579 |
| Net loans and leases to core deposits | 54.3082% | 4,491 |
| Total domestic deposits to total assets | 84.7814% | 2,478 |
| Equity capital to assets | 12.0170% | 1,646 |
| Core capital (leverage) ratio | 11.9087% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,477,333 | 1,673 |
| Average earning assets | $405,884,000 | 1,690 |
| Average equity | $54,211,000 | 1,550 |
| Average total loans | $192,365,667 | 2,279 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 3,447 |
| Cost of funding earning assets | 1.1257% | 969 |
| Net interest margin | 3.0006% | 4,279 |
| Noninterest income to average assets | 0.6098% | 2,003 |
| Noninterest expense to average assets | 2.6209% | 2,921 |
| Loan and lease loss provision to assets | 0.0279% | 3,442 |
| Net operating income to assets | 0.5897% | 3,624 |
| Return on assets (ROA) | 0.6890% | 3,381 |
| Pretax return on assets | 0.8417% | 3,304 |
| Return on Equity (ROE) | 5.5843% | 3,455 |
| Retained earnings to average equity (ytd only) | 5.5843% | 2,037 |
| Net charge-offs to loans | 0.0568% | 1,440 |
| Credit loss provision to net charge-offs | 111.1111% | 1,747 |
| Earnings coverage of net charge-offs (x) | 29.7778% | 1,185 |
| Efficiency ratio | 77.7839% | 1,365 |
| Assets per employee ($millions) | 4.1592% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,705 |
| Loan loss allowance to noncurrent loans | 488.3848% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1456% | 3,914 |
| Noncurrent loans to loans | 0.2866% | 3,467 |
| Net loans and leases to total assets | 43.8213% | 4,514 |
| Net loans and leases to deposits | 51.3476% | 4,551 |
| Net loans and leases to core deposits | 57.8413% | 4,440 |
| Total domestic deposits to total assets | 85.3426% | 2,268 |
| Equity capital to assets | 12.2126% | 1,912 |
| Core capital (leverage) ratio | 12.6159% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $429,629,000 | 1,676 |
| Average earning assets | $395,117,500 | 1,684 |
| Average equity | $53,006,000 | 1,573 |
| Average total loans | $190,116,500 | 2,262 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 3,813 |
| Cost of funding earning assets | 1.1328% | 1,217 |
| Net interest margin | 3.0670% | 4,420 |
| Noninterest income to average assets | 0.6335% | 2,078 |
| Noninterest expense to average assets | 2.6915% | 2,907 |
| Loan and lease loss provision to assets | 0.0243% | 3,535 |
| Net operating income to assets | 0.6083% | 4,131 |
| Return on assets (ROA) | 0.7333% | 3,824 |
| Pretax return on assets | 0.8802% | 3,794 |
| Return on Equity (ROE) | 5.8486% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.0148% | 2,955 |
| Net charge-offs to loans | 0.0192% | 3,040 |
| Credit loss provision to net charge-offs | 294.1176% | 956 |
| Earnings coverage of net charge-offs (x) | 91.1471% | 726 |
| Efficiency ratio | 78.1175% | 1,139 |
| Assets per employee ($millions) | 4.1834% | 3,651 |
| Cash dividends to net income (ytd only)* | 31.3537% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,423 |
| Loan loss allowance to noncurrent loans | 301.0078% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,533 |
| Noncurrent loans to loans | 0.4750% | 2,764 |
| Net loans and leases to total assets | 43.4266% | 4,621 |
| Net loans and leases to deposits | 51.3079% | 4,632 |
| Net loans and leases to core deposits | 58.6810% | 4,495 |
| Total domestic deposits to total assets | 84.6393% | 2,629 |
| Equity capital to assets | 12.4643% | 1,843 |
| Core capital (leverage) ratio | 12.6770% | 1,389 |
| Tier 1 risk-based capital ratio | 21.6855% | 1,062 |
| Total risk-based capital ratio | 22.7846% | 1,057 |
| Memoranda: | ||
| Average total assets | $411,029,000 | 1,708 |
| Average earning assets | $376,845,600 | 1,722 |
| Average equity | $51,534,000 | 1,554 |
| Average total loans | $177,198,200 | 2,349 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 3,949 |
| Cost of funding earning assets | 1.1186% | 1,279 |
| Net interest margin | 3.0674% | 4,530 |
| Noninterest income to average assets | 0.6350% | 2,048 |
| Noninterest expense to average assets | 2.7124% | 2,832 |
| Loan and lease loss provision to assets | 0.0229% | 3,443 |
| Net operating income to assets | 0.5950% | 4,307 |
| Return on assets (ROA) | 0.6688% | 4,171 |
| Pretax return on assets | 0.7985% | 4,120 |
| Return on Equity (ROE) | 5.3258% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.4260% | 3,179 |
| Net charge-offs to loans | 0.0329% | 2,413 |
| Credit loss provision to net charge-offs | 162.7907% | 1,535 |
| Earnings coverage of net charge-offs (x) | 52.0947% | 1,155 |
| Efficiency ratio | 78.7113% | 1,037 |
| Assets per employee ($millions) | 3.9996% | 3,902 |
| Cash dividends to net income (ytd only)* | 16.8952% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 1,385 |
| Loan loss allowance to noncurrent loans | 400.7564% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 3,856 |
| Noncurrent loans to loans | 0.3628% | 3,253 |
| Net loans and leases to total assets | 43.1617% | 4,719 |
| Net loans and leases to deposits | 50.9274% | 4,748 |
| Net loans and leases to core deposits | 57.6770% | 4,630 |
| Total domestic deposits to total assets | 84.7513% | 2,523 |
| Equity capital to assets | 12.8891% | 1,692 |
| Core capital (leverage) ratio | 12.8253% | 1,425 |
| Tier 1 risk-based capital ratio | 22.8604% | 958 |
| Total risk-based capital ratio | 24.0103% | 952 |
| Memoranda: | ||
| Average total assets | $407,109,750 | 1,734 |
| Average earning assets | $373,080,750 | 1,744 |
| Average equity | $51,121,000 | 1,571 |
| Average total loans | $174,499,750 | 2,402 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 4,064 |
| Cost of funding earning assets | 1.0856% | 1,354 |
| Net interest margin | 3.0561% | 4,604 |
| Noninterest income to average assets | 0.6240% | 2,044 |
| Noninterest expense to average assets | 2.7326% | 2,810 |
| Loan and lease loss provision to assets | 0.0247% | 3,312 |
| Net operating income to assets | 0.5629% | 4,399 |
| Return on assets (ROA) | 0.6784% | 4,128 |
| Pretax return on assets | 0.8101% | 4,064 |
| Return on Equity (ROE) | 5.4523% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.0803% | 3,207 |
| Net charge-offs to loans | 0.0547% | 1,865 |
| Credit loss provision to net charge-offs | 106.3830% | 1,884 |
| Earnings coverage of net charge-offs (x) | 29.9787% | 1,458 |
| Efficiency ratio | 79.6710% | 996 |
| Assets per employee ($millions) | 3.9585% | 3,924 |
| Cash dividends to net income (ytd only)* | 25.1641% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,257 |
| Loan loss allowance to noncurrent loans | 422.0257% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1739% | 3,891 |
| Noncurrent loans to loans | 0.3570% | 3,263 |
| Net loans and leases to total assets | 41.6875% | 4,788 |
| Net loans and leases to deposits | 49.1244% | 4,827 |
| Net loans and leases to core deposits | 55.3635% | 4,737 |
| Total domestic deposits to total assets | 84.8611% | 2,541 |
| Equity capital to assets | 12.7548% | 1,720 |
| Core capital (leverage) ratio | 12.7506% | 1,423 |
| Tier 1 risk-based capital ratio | 23.4121% | 906 |
| Total risk-based capital ratio | 24.5942% | 889 |
| Memoranda: | ||
| Average total assets | $404,160,670 | 1,747 |
| Average earning assets | $371,055,670 | 1,759 |
| Average equity | $50,290,330 | 1,584 |
| Average total loans | $171,938,670 | 2,437 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0754% | 4,196 |
| Cost of funding earning assets | 1.0360% | 1,425 |
| Net interest margin | 3.0393% | 4,698 |
| Noninterest income to average assets | 0.5924% | 2,079 |
| Noninterest expense to average assets | 2.7852% | 2,621 |
| Loan and lease loss provision to assets | 0.0100% | 3,302 |
| Net operating income to assets | 0.5125% | 4,483 |
| Return on assets (ROA) | 0.5125% | 4,506 |
| Pretax return on assets | 0.5814% | 4,550 |
| Return on Equity (ROE) | 4.1723% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.1723% | 3,253 |
| Net charge-offs to loans | 0.0773% | 1,300 |
| Credit loss provision to net charge-offs | 30.3030% | 2,085 |
| Earnings coverage of net charge-offs (x) | 17.9394% | 1,643 |
| Efficiency ratio | 82.4852% | 829 |
| Assets per employee ($millions) | 3.9815% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,265 |
| Loan loss allowance to noncurrent loans | 676.5625% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 4,223 |
| Noncurrent loans to loans | 0.2252% | 3,777 |
| Net loans and leases to total assets | 41.3500% | 4,851 |
| Net loans and leases to deposits | 48.5216% | 4,869 |
| Net loans and leases to core deposits | 54.4486% | 4,769 |
| Total domestic deposits to total assets | 85.2197% | 2,593 |
| Equity capital to assets | 12.3959% | 1,805 |
| Core capital (leverage) ratio | 12.9025% | 1,318 |
| Tier 1 risk-based capital ratio | 24.1853% | 828 |
| Total risk-based capital ratio | 25.4058% | 811 |
| Memoranda: | ||
| Average total assets | $400,401,000 | 1,765 |
| Average earning assets | $366,789,000 | 1,787 |
| Average equity | $49,181,000 | 1,602 |
| Average total loans | $170,786,000 | 2,466 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 4,028 |
| Cost of funding earning assets | 0.7622% | 1,727 |
| Net interest margin | 3.2387% | 4,409 |
| Noninterest income to average assets | 0.7011% | 1,852 |
| Noninterest expense to average assets | 2.7572% | 2,834 |
| Loan and lease loss provision to assets | 0.0312% | 3,561 |
| Net operating income to assets | 0.7378% | 4,010 |
| Return on assets (ROA) | 0.7562% | 3,952 |
| Pretax return on assets | 0.8948% | 3,913 |
| Return on Equity (ROE) | 6.1831% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.1765% | 3,253 |
| Net charge-offs to loans | 0.0380% | 2,639 |
| Credit loss provision to net charge-offs | 196.7213% | 1,468 |
| Earnings coverage of net charge-offs (x) | 57.0984% | 1,053 |
| Efficiency ratio | 75.2996% | 1,455 |
| Assets per employee ($millions) | 3.9079% | 4,030 |
| Cash dividends to net income (ytd only)* | 32.4519% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 1,191 |
| Loan loss allowance to noncurrent loans | 152.0000% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 2,716 |
| Noncurrent loans to loans | 1.0085% | 1,613 |
| Net loans and leases to total assets | 42.6727% | 4,858 |
| Net loans and leases to deposits | 49.9729% | 4,885 |
| Net loans and leases to core deposits | 55.7859% | 4,787 |
| Total domestic deposits to total assets | 85.3917% | 2,471 |
| Equity capital to assets | 12.1667% | 1,781 |
| Core capital (leverage) ratio | 13.0801% | 1,214 |
| Tier 1 risk-based capital ratio | 24.4295% | 783 |
| Total risk-based capital ratio | 25.6796% | 763 |
| Memoranda: | ||
| Average total assets | $385,103,000 | 1,778 |
| Average earning assets | $352,022,400 | 1,799 |
| Average equity | $47,096,400 | 1,595 |
| Average total loans | $160,398,400 | 2,525 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 4,048 |
| Cost of funding earning assets | 0.7141% | 1,776 |
| Net interest margin | 3.2453% | 4,412 |
| Noninterest income to average assets | 0.7236% | 1,778 |
| Noninterest expense to average assets | 2.7317% | 2,869 |
| Loan and lease loss provision to assets | 0.0314% | 3,388 |
| Net operating income to assets | 0.7845% | 3,958 |
| Return on assets (ROA) | 0.8097% | 3,878 |
| Pretax return on assets | 0.9591% | 3,854 |
| Return on Equity (ROE) | 6.6117% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.6302% | 2,866 |
| Net charge-offs to loans | 0.0473% | 2,149 |
| Credit loss provision to net charge-offs | 160.7143% | 1,626 |
| Earnings coverage of net charge-offs (x) | 49.2353% | 1,183 |
| Efficiency ratio | 73.9857% | 1,597 |
| Assets per employee ($millions) | 3.7794% | 4,203 |
| Cash dividends to net income (ytd only)* | 14.8451% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,062 |
| Loan loss allowance to noncurrent loans | 166.9023% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 2,937 |
| Noncurrent loans to loans | 0.9642% | 1,764 |
| Net loans and leases to total assets | 42.0132% | 4,961 |
| Net loans and leases to deposits | 49.4711% | 4,966 |
| Net loans and leases to core deposits | 54.7635% | 4,883 |
| Total domestic deposits to total assets | 84.9248% | 2,634 |
| Equity capital to assets | 12.3359% | 1,679 |
| Core capital (leverage) ratio | 13.2664% | 1,183 |
| Tier 1 risk-based capital ratio | 25.6852% | 699 |
| Total risk-based capital ratio | 26.9360% | 684 |
| Memoranda: | ||
| Average total assets | $382,705,500 | 1,792 |
| Average earning assets | $350,076,250 | 1,813 |
| Average equity | $46,865,250 | 1,599 |
| Average total loans | $157,736,000 | 2,564 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 4,016 |
| Cost of funding earning assets | 0.6809% | 1,734 |
| Net interest margin | 3.2395% | 4,409 |
| Noninterest income to average assets | 0.6563% | 2,060 |
| Noninterest expense to average assets | 2.6646% | 3,119 |
| Loan and lease loss provision to assets | 0.0312% | 3,284 |
| Net operating income to assets | 0.7851% | 3,903 |
| Return on assets (ROA) | 0.7838% | 3,910 |
| Pretax return on assets | 0.9227% | 3,898 |
| Return on Equity (ROE) | 6.4158% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.9461% | 3,104 |
| Net charge-offs to loans | 0.0179% | 2,544 |
| Credit loss provision to net charge-offs | 428.5714% | 779 |
| Earnings coverage of net charge-offs (x) | 131.1429% | 581 |
| Efficiency ratio | 73.6055% | 1,774 |
| Assets per employee ($millions) | 4.0795% | 3,764 |
| Cash dividends to net income (ytd only)* | 22.9084% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6536% | 985 |
| Loan loss allowance to noncurrent loans | 254.5366% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 3,626 |
| Noncurrent loans to loans | 0.6496% | 2,489 |
| Net loans and leases to total assets | 40.4640% | 5,043 |
| Net loans and leases to deposits | 47.4845% | 5,044 |
| Net loans and leases to core deposits | 52.0232% | 4,994 |
| Total domestic deposits to total assets | 85.2152% | 2,597 |
| Equity capital to assets | 12.1150% | 1,774 |
| Core capital (leverage) ratio | 12.8849% | 1,280 |
| Tier 1 risk-based capital ratio | 25.2931% | 711 |
| Total risk-based capital ratio | 26.5439% | 697 |
| Memoranda: | ||
| Average total assets | $384,294,670 | 1,796 |
| Average earning assets | $351,595,670 | 1,815 |
| Average equity | $46,946,330 | 1,604 |
| Average total loans | $156,521,000 | 2,593 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8287% | 4,136 |
| Cost of funding earning assets | 0.6561% | 1,686 |
| Net interest margin | 3.1725% | 4,549 |
| Noninterest income to average assets | 0.6343% | 2,110 |
| Noninterest expense to average assets | 2.5911% | 3,360 |
| Loan and lease loss provision to assets | 0.0312% | 3,096 |
| Net operating income to assets | 0.7777% | 3,801 |
| Return on assets (ROA) | 0.7777% | 3,800 |
| Pretax return on assets | 0.9129% | 3,808 |
| Return on Equity (ROE) | 6.3403% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.3403% | 2,568 |
| Net charge-offs to loans | -0.0231% | 4,628 |
| Credit loss provision to net charge-offs | -333.3333% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2941% | 2,000 |
| Assets per employee ($millions) | 4.2168% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,010 |
| Loan loss allowance to noncurrent loans | 232.5290% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,621 |
| Noncurrent loans to loans | 0.7190% | 2,414 |
| Net loans and leases to total assets | 39.4490% | 5,090 |
| Net loans and leases to deposits | 46.2319% | 5,091 |
| Net loans and leases to core deposits | 50.4368% | 5,030 |
| Total domestic deposits to total assets | 85.3286% | 2,813 |
| Equity capital to assets | 12.0079% | 1,782 |
| Core capital (leverage) ratio | 12.8611% | 1,225 |
| Tier 1 risk-based capital ratio | 25.3379% | 730 |
| Total risk-based capital ratio | 26.5891% | 719 |
| Memoranda: | ||
| Average total assets | $384,705,000 | 1,802 |
| Average earning assets | $351,768,500 | 1,828 |
| Average equity | $47,190,500 | 1,606 |
| Average total loans | $155,892,500 | 2,614 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,153 |
| Cost of funding earning assets | 0.5903% | 1,672 |
| Net interest margin | 3.1779% | 4,500 |
| Noninterest income to average assets | 0.6405% | 2,249 |
| Noninterest expense to average assets | 2.5543% | 3,589 |
| Loan and lease loss provision to assets | 0.0339% | 3,586 |
| Net operating income to assets | 0.4763% | 4,441 |
| Return on assets (ROA) | 0.5157% | 4,373 |
| Pretax return on assets | 1.0201% | 3,493 |
| Return on Equity (ROE) | 4.1311% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.1584% | 4,027 |
| Net charge-offs to loans | 0.1014% | 2,056 |
| Credit loss provision to net charge-offs | 85.5263% | 2,858 |
| Earnings coverage of net charge-offs (x) | 25.0592% | 1,731 |
| Efficiency ratio | 72.0173% | 2,225 |
| Assets per employee ($millions) | 4.1919% | 3,670 |
| Cash dividends to net income (ytd only)* | 47.7514% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 1,052 |
| Loan loss allowance to noncurrent loans | 257.8471% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,749 |
| Noncurrent loans to loans | 0.6366% | 2,625 |
| Net loans and leases to total assets | 40.2604% | 5,127 |
| Net loans and leases to deposits | 47.4936% | 5,142 |
| Net loans and leases to core deposits | 51.8165% | 5,072 |
| Total domestic deposits to total assets | 84.7703% | 2,921 |
| Equity capital to assets | 12.5299% | 1,501 |
| Core capital (leverage) ratio | 12.7821% | 1,225 |
| Tier 1 risk-based capital ratio | 25.7449% | 678 |
| Total risk-based capital ratio | 26.9962% | 668 |
| Memoranda: | ||
| Average total assets | $383,780,600 | 1,776 |
| Average earning assets | $350,987,000 | 1,799 |
| Average equity | $47,904,800 | 1,568 |
| Average total loans | $149,859,800 | 2,656 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,234 |
| Cost of funding earning assets | 0.5784% | 1,679 |
| Net interest margin | 3.1538% | 4,570 |
| Noninterest income to average assets | 0.6404% | 2,252 |
| Noninterest expense to average assets | 2.5573% | 3,546 |
| Loan and lease loss provision to assets | 0.0312% | 3,493 |
| Net operating income to assets | 0.7302% | 3,816 |
| Return on assets (ROA) | 0.7944% | 3,594 |
| Pretax return on assets | 1.0205% | 3,604 |
| Return on Equity (ROE) | 6.3700% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.4103% | 2,597 |
| Net charge-offs to loans | 0.0728% | 2,094 |
| Credit loss provision to net charge-offs | 111.1111% | 2,127 |
| Earnings coverage of net charge-offs (x) | 34.5053% | 1,437 |
| Efficiency ratio | 72.5091% | 2,139 |
| Assets per employee ($millions) | 4.2528% | 3,560 |
| Cash dividends to net income (ytd only)* | 15.0655% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 1,025 |
| Loan loss allowance to noncurrent loans | 349.5957% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 4,208 |
| Noncurrent loans to loans | 0.4877% | 3,228 |
| Net loans and leases to total assets | 39.0696% | 5,229 |
| Net loans and leases to deposits | 46.3678% | 5,243 |
| Net loans and leases to core deposits | 50.6171% | 5,179 |
| Total domestic deposits to total assets | 84.2602% | 3,021 |
| Equity capital to assets | 12.9649% | 1,402 |
| Core capital (leverage) ratio | 13.0014% | 1,207 |
| Tier 1 risk-based capital ratio | 26.4607% | 649 |
| Total risk-based capital ratio | 27.7126% | 639 |
| Memoranda: | ||
| Average total assets | $384,359,750 | 1,789 |
| Average earning assets | $351,781,750 | 1,805 |
| Average equity | $47,931,750 | 1,586 |
| Average total loans | $148,289,250 | 2,685 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,225 |
| Cost of funding earning assets | 0.5731% | 1,623 |
| Net interest margin | 3.1295% | 4,604 |
| Noninterest income to average assets | 0.6313% | 2,309 |
| Noninterest expense to average assets | 2.5456% | 3,598 |
| Loan and lease loss provision to assets | 0.0312% | 3,379 |
| Net operating income to assets | 0.7077% | 3,813 |
| Return on assets (ROA) | 0.8049% | 3,434 |
| Pretax return on assets | 1.0408% | 3,402 |
| Return on Equity (ROE) | 6.5403% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.0836% | 2,656 |
| Net charge-offs to loans | 0.0653% | 1,996 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 37.9167% | 1,290 |
| Efficiency ratio | 72.9126% | 2,198 |
| Assets per employee ($millions) | 4.1786% | 3,664 |
| Cash dividends to net income (ytd only)* | 22.2724% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 965 |
| Loan loss allowance to noncurrent loans | 588.8889% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,638 |
| Noncurrent loans to loans | 0.2987% | 3,972 |
| Net loans and leases to total assets | 37.7344% | 5,313 |
| Net loans and leases to deposits | 44.6724% | 5,319 |
| Net loans and leases to core deposits | 48.8170% | 5,256 |
| Total domestic deposits to total assets | 84.4690% | 3,022 |
| Equity capital to assets | 12.7396% | 1,503 |
| Core capital (leverage) ratio | 12.5789% | 1,338 |
| Tier 1 risk-based capital ratio | 26.5203% | 637 |
| Total risk-based capital ratio | 27.7725% | 620 |
| Memoranda: | ||
| Average total assets | $384,896,330 | 1,785 |
| Average earning assets | $351,744,670 | 1,809 |
| Average equity | $47,368,000 | 1,607 |
| Average total loans | $147,008,000 | 2,705 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,201 |
| Cost of funding earning assets | 0.5706% | 1,575 |
| Net interest margin | 3.1002% | 4,648 |
| Noninterest income to average assets | 0.6419% | 2,218 |
| Noninterest expense to average assets | 2.5051% | 3,793 |
| Loan and lease loss provision to assets | 0.0312% | 3,157 |
| Net operating income to assets | 0.7393% | 3,520 |
| Return on assets (ROA) | 0.7385% | 3,574 |
| Pretax return on assets | 0.9316% | 3,652 |
| Return on Equity (ROE) | 6.1077% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.1077% | 2,279 |
| Net charge-offs to loans | 0.0573% | 1,764 |
| Credit loss provision to net charge-offs | 142.8571% | 1,245 |
| Earnings coverage of net charge-offs (x) | 44.1905% | 965 |
| Efficiency ratio | 72.2156% | 2,533 |
| Assets per employee ($millions) | 4.2768% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8007% | 959 |
| Loan loss allowance to noncurrent loans | 494.0952% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 4,526 |
| Noncurrent loans to loans | 0.3644% | 3,783 |
| Net loans and leases to total assets | 36.3482% | 5,388 |
| Net loans and leases to deposits | 42.7303% | 5,395 |
| Net loans and leases to core deposits | 46.5068% | 5,352 |
| Total domestic deposits to total assets | 85.0643% | 3,060 |
| Equity capital to assets | 12.1273% | 1,754 |
| Core capital (leverage) ratio | 12.5169% | 1,334 |
| Tier 1 risk-based capital ratio | 26.4719% | 661 |
| Total risk-based capital ratio | 27.7241% | 650 |
| Memoranda: | ||
| Average total assets | $385,128,500 | 1,793 |
| Average earning assets | $351,198,500 | 1,819 |
| Average equity | $46,564,500 | 1,628 |
| Average total loans | $146,682,000 | 2,736 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,182 |
| Cost of funding earning assets | 0.5978% | 1,350 |
| Net interest margin | 3.1122% | 4,699 |
| Noninterest income to average assets | 0.5843% | 2,742 |
| Noninterest expense to average assets | 2.5465% | 3,854 |
| Loan and lease loss provision to assets | 0.0199% | 3,973 |
| Net operating income to assets | 0.6881% | 3,836 |
| Return on assets (ROA) | 0.7941% | 3,435 |
| Pretax return on assets | 1.0221% | 3,398 |
| Return on Equity (ROE) | 6.2970% | 3,849 |
| Retained earnings to average equity (ytd only) | 4.3437% | 2,809 |
| Net charge-offs to loans | -0.0208% | 5,141 |
| Credit loss provision to net charge-offs | -250.0000% | 5,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7553% | 2,318 |
| Assets per employee ($millions) | 4.2817% | 3,470 |
| Cash dividends to net income (ytd only)* | 31.0207% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 1,078 |
| Loan loss allowance to noncurrent loans | 345.1268% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 4,327 |
| Noncurrent loans to loans | 0.5017% | 3,355 |
| Net loans and leases to total assets | 38.5027% | 5,383 |
| Net loans and leases to deposits | 45.2335% | 5,391 |
| Net loans and leases to core deposits | 49.1900% | 5,327 |
| Total domestic deposits to total assets | 85.1200% | 2,995 |
| Equity capital to assets | 12.0532% | 1,763 |
| Core capital (leverage) ratio | 12.4315% | 1,368 |
| Tier 1 risk-based capital ratio | 26.7180% | 643 |
| Total risk-based capital ratio | 27.9710% | 626 |
| Memoranda: | ||
| Average total assets | $377,541,400 | 1,779 |
| Average earning assets | $347,956,400 | 1,790 |
| Average equity | $47,609,600 | 1,588 |
| Average total loans | $144,113,000 | 2,726 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,251 |
| Cost of funding earning assets | 0.5986% | 1,342 |
| Net interest margin | 3.1010% | 4,776 |
| Noninterest income to average assets | 0.5667% | 2,838 |
| Noninterest expense to average assets | 2.5515% | 3,820 |
| Loan and lease loss provision to assets | 0.0230% | 3,786 |
| Net operating income to assets | 0.6647% | 4,023 |
| Return on assets (ROA) | 0.8074% | 3,472 |
| Pretax return on assets | 1.0414% | 3,465 |
| Return on Equity (ROE) | 6.3321% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.3744% | 2,569 |
| Net charge-offs to loans | -0.0373% | 5,254 |
| Credit loss provision to net charge-offs | -162.5000% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3246% | 2,219 |
| Assets per employee ($millions) | 4.2498% | 3,506 |
| Cash dividends to net income (ytd only)* | 15.1250% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 1,080 |
| Loan loss allowance to noncurrent loans | 329.2994% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 4,413 |
| Noncurrent loans to loans | 0.5352% | 3,387 |
| Net loans and leases to total assets | 37.6708% | 5,482 |
| Net loans and leases to deposits | 44.7230% | 5,492 |
| Net loans and leases to core deposits | 48.8000% | 5,425 |
| Total domestic deposits to total assets | 84.2314% | 3,131 |
| Equity capital to assets | 12.8921% | 1,550 |
| Core capital (leverage) ratio | 12.5389% | 1,383 |
| Tier 1 risk-based capital ratio | 27.2097% | 624 |
| Total risk-based capital ratio | 28.4627% | 614 |
| Memoranda: | ||
| Average total assets | $376,659,500 | 1,781 |
| Average earning assets | $348,141,000 | 1,789 |
| Average equity | $48,029,250 | 1,580 |
| Average total loans | $142,814,500 | 2,741 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7097% | 4,269 |
| Cost of funding earning assets | 0.5983% | 1,329 |
| Net interest margin | 3.1115% | 4,801 |
| Noninterest income to average assets | 0.5284% | 3,013 |
| Noninterest expense to average assets | 2.5459% | 3,897 |
| Loan and lease loss provision to assets | 0.0213% | 3,707 |
| Net operating income to assets | 0.6448% | 4,067 |
| Return on assets (ROA) | 0.8273% | 3,318 |
| Pretax return on assets | 1.0712% | 3,321 |
| Return on Equity (ROE) | 6.5123% | 3,795 |
| Retained earnings to average equity (ytd only) | 5.0628% | 2,691 |
| Net charge-offs to loans | -0.0820% | 5,550 |
| Credit loss provision to net charge-offs | -68.9655% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8470% | 2,239 |
| Assets per employee ($millions) | 4.2936% | 3,386 |
| Cash dividends to net income (ytd only)* | 22.2581% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 1,122 |
| Loan loss allowance to noncurrent loans | 212.8819% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 4,100 |
| Noncurrent loans to loans | 0.8347% | 2,661 |
| Net loans and leases to total assets | 37.2910% | 5,545 |
| Net loans and leases to deposits | 44.2303% | 5,553 |
| Net loans and leases to core deposits | 47.9580% | 5,502 |
| Total domestic deposits to total assets | 84.3108% | 3,154 |
| Equity capital to assets | 12.7755% | 1,621 |
| Core capital (leverage) ratio | 12.3040% | 1,453 |
| Tier 1 risk-based capital ratio | 26.7405% | 669 |
| Total risk-based capital ratio | 27.9942% | 653 |
| Memoranda: | ||
| Average total assets | $374,718,670 | 1,789 |
| Average earning assets | $346,007,330 | 1,792 |
| Average equity | $47,602,330 | 1,593 |
| Average total loans | $141,529,670 | 2,760 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,401 |
| Cost of funding earning assets | 0.5965% | 1,352 |
| Net interest margin | 3.0805% | 4,914 |
| Noninterest income to average assets | 0.4647% | 3,382 |
| Noninterest expense to average assets | 2.5659% | 3,868 |
| Loan and lease loss provision to assets | 0.0108% | 3,552 |
| Net operating income to assets | 0.5609% | 4,363 |
| Return on assets (ROA) | 0.8895% | 2,935 |
| Pretax return on assets | 1.1655% | 2,836 |
| Return on Equity (ROE) | 7.0222% | 3,440 |
| Retained earnings to average equity (ytd only) | 7.0222% | 1,877 |
| Net charge-offs to loans | -0.1030% | 5,646 |
| Credit loss provision to net charge-offs | -27.7778% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5244% | 1,966 |
| Assets per employee ($millions) | 4.2493% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 1,085 |
| Loan loss allowance to noncurrent loans | 197.4980% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 3,851 |
| Noncurrent loans to loans | 0.9287% | 2,525 |
| Net loans and leases to total assets | 35.7456% | 5,648 |
| Net loans and leases to deposits | 42.3461% | 5,643 |
| Net loans and leases to core deposits | 45.9452% | 5,592 |
| Total domestic deposits to total assets | 84.4129% | 3,349 |
| Equity capital to assets | 12.5592% | 1,647 |
| Core capital (leverage) ratio | 12.4959% | 1,341 |
| Tier 1 risk-based capital ratio | 26.9689% | 678 |
| Total risk-based capital ratio | 28.2227% | 661 |
| Memoranda: | ||
| Average total assets | $371,013,000 | 1,808 |
| Average earning assets | $342,669,500 | 1,817 |
| Average equity | $46,994,000 | 1,601 |
| Average total loans | $139,755,500 | 2,790 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,184 |
| Cost of funding earning assets | 0.6255% | 1,204 |
| Net interest margin | 3.1278% | 4,839 |
| Noninterest income to average assets | 0.6104% | 2,671 |
| Noninterest expense to average assets | 2.5597% | 4,040 |
| Loan and lease loss provision to assets | 0.0375% | 3,598 |
| Net operating income to assets | 0.6955% | 3,832 |
| Return on assets (ROA) | 0.8674% | 3,108 |
| Pretax return on assets | 1.1066% | 3,017 |
| Return on Equity (ROE) | 6.8560% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.8486% | 2,529 |
| Net charge-offs to loans | 0.1336% | 2,028 |
| Credit loss provision to net charge-offs | 73.3696% | 3,068 |
| Earnings coverage of net charge-offs (x) | 18.0870% | 2,030 |
| Efficiency ratio | 73.4821% | 2,658 |
| Assets per employee ($millions) | 4.0426% | 3,856 |
| Cash dividends to net income (ytd only)* | 29.2800% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 1,241 |
| Loan loss allowance to noncurrent loans | 208.2284% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 3,500 |
| Noncurrent loans to loans | 0.8399% | 2,688 |
| Net loans and leases to total assets | 38.2916% | 5,609 |
| Net loans and leases to deposits | 45.2306% | 5,604 |
| Net loans and leases to core deposits | 49.0866% | 5,533 |
| Total domestic deposits to total assets | 84.6587% | 3,233 |
| Equity capital to assets | 12.7778% | 1,472 |
| Core capital (leverage) ratio | 12.5158% | 1,341 |
| Tier 1 risk-based capital ratio | 26.4622% | 709 |
| Total risk-based capital ratio | 27.7165% | 683 |
| Memoranda: | ||
| Average total assets | $360,280,800 | 1,827 |
| Average earning assets | $330,930,200 | 1,833 |
| Average equity | $45,580,400 | 1,615 |
| Average total loans | $137,697,400 | 2,755 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,304 |
| Cost of funding earning assets | 0.6302% | 1,214 |
| Net interest margin | 3.1071% | 4,942 |
| Noninterest income to average assets | 0.6036% | 2,719 |
| Noninterest expense to average assets | 2.5583% | 4,019 |
| Loan and lease loss provision to assets | 0.0352% | 3,516 |
| Net operating income to assets | 0.6720% | 4,025 |
| Return on assets (ROA) | 0.8974% | 3,062 |
| Pretax return on assets | 1.1504% | 3,017 |
| Return on Equity (ROE) | 7.1114% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.0972% | 2,185 |
| Net charge-offs to loans | 0.0673% | 2,608 |
| Credit loss provision to net charge-offs | 137.6812% | 1,791 |
| Earnings coverage of net charge-offs (x) | 35.0282% | 1,359 |
| Efficiency ratio | 74.0470% | 2,545 |
| Assets per employee ($millions) | 4.0115% | 3,857 |
| Cash dividends to net income (ytd only)* | 14.2622% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 1,176 |
| Loan loss allowance to noncurrent loans | 190.1042% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 3,513 |
| Noncurrent loans to loans | 0.9736% | 2,544 |
| Net loans and leases to total assets | 37.5269% | 5,725 |
| Net loans and leases to deposits | 44.4005% | 5,709 |
| Net loans and leases to core deposits | 48.2206% | 5,647 |
| Total domestic deposits to total assets | 84.5192% | 3,212 |
| Equity capital to assets | 12.8077% | 1,558 |
| Core capital (leverage) ratio | 12.5571% | 1,379 |
| Tier 1 risk-based capital ratio | 26.7355% | 712 |
| Total risk-based capital ratio | 27.9908% | 691 |
| Memoranda: | ||
| Average total assets | $359,392,500 | 1,835 |
| Average earning assets | $329,820,000 | 1,849 |
| Average equity | $45,353,000 | 1,634 |
| Average total loans | $136,672,250 | 2,789 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,375 |
| Cost of funding earning assets | 0.6296% | 1,231 |
| Net interest margin | 3.0816% | 5,011 |
| Noninterest income to average assets | 0.5897% | 2,797 |
| Noninterest expense to average assets | 2.5459% | 4,084 |
| Loan and lease loss provision to assets | 0.0357% | 3,415 |
| Net operating income to assets | 0.6416% | 4,162 |
| Return on assets (ROA) | 0.9425% | 2,795 |
| Pretax return on assets | 1.2250% | 2,672 |
| Return on Equity (ROE) | 7.5060% | 3,318 |
| Retained earnings to average equity (ytd only) | 5.9746% | 2,256 |
| Net charge-offs to loans | 0.0910% | 2,117 |
| Credit loss provision to net charge-offs | 103.2258% | 2,009 |
| Earnings coverage of net charge-offs (x) | 25.1774% | 1,534 |
| Efficiency ratio | 74.5309% | 2,611 |
| Assets per employee ($millions) | 3.9930% | 3,899 |
| Cash dividends to net income (ytd only)* | 20.4021% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 1,266 |
| Loan loss allowance to noncurrent loans | 211.4453% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 3,779 |
| Noncurrent loans to loans | 0.8750% | 2,942 |
| Net loans and leases to total assets | 37.3630% | 5,762 |
| Net loans and leases to deposits | 44.0307% | 5,765 |
| Net loans and leases to core deposits | 47.6712% | 5,700 |
| Total domestic deposits to total assets | 84.8566% | 3,187 |
| Equity capital to assets | 12.4929% | 1,659 |
| Core capital (leverage) ratio | 12.2564% | 1,508 |
| Tier 1 risk-based capital ratio | 26.2981% | 753 |
| Total risk-based capital ratio | 27.5537% | 738 |
| Memoranda: | ||
| Average total assets | $358,845,330 | 1,848 |
| Average earning assets | $329,115,670 | 1,868 |
| Average equity | $45,057,330 | 1,656 |
| Average total loans | $136,216,330 | 2,808 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,522 |
| Cost of funding earning assets | 0.6245% | 1,273 |
| Net interest margin | 3.0299% | 5,125 |
| Noninterest income to average assets | 0.5611% | 2,883 |
| Noninterest expense to average assets | 2.5333% | 4,159 |
| Loan and lease loss provision to assets | 0.0714% | 2,514 |
| Net operating income to assets | 0.5447% | 4,494 |
| Return on assets (ROA) | 1.0408% | 2,217 |
| Pretax return on assets | 1.4033% | 1,876 |
| Return on Equity (ROE) | 8.2680% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2680% | 1,467 |
| Net charge-offs to loans | 0.1854% | 1,186 |
| Credit loss provision to net charge-offs | 101.5873% | 1,587 |
| Earnings coverage of net charge-offs (x) | 11.4444% | 1,861 |
| Efficiency ratio | 75.9024% | 2,531 |
| Assets per employee ($millions) | 4.0320% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 1,280 |
| Loan loss allowance to noncurrent loans | 274.1062% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,071 |
| Noncurrent loans to loans | 0.6938% | 3,542 |
| Net loans and leases to total assets | 35.5677% | 5,848 |
| Net loans and leases to deposits | 41.8940% | 5,839 |
| Net loans and leases to core deposits | 45.4308% | 5,783 |
| Total domestic deposits to total assets | 84.8993% | 3,458 |
| Equity capital to assets | 12.3998% | 1,757 |
| Core capital (leverage) ratio | 12.3361% | 1,434 |
| Tier 1 risk-based capital ratio | 26.0174% | 782 |
| Total risk-based capital ratio | 27.2707% | 768 |
| Memoranda: | ||
| Average total assets | $358,582,000 | 1,850 |
| Average earning assets | $328,589,500 | 1,871 |
| Average equity | $45,138,000 | 1,653 |
| Average total loans | $135,923,000 | 2,807 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 3,921 |
| Cost of funding earning assets | 0.6778% | 1,217 |
| Net interest margin | 3.2726% | 4,675 |
| Noninterest income to average assets | 0.5899% | 2,917 |
| Noninterest expense to average assets | 2.5874% | 4,264 |
| Loan and lease loss provision to assets | 0.0831% | 2,820 |
| Net operating income to assets | 0.7163% | 3,809 |
| Return on assets (ROA) | 0.7937% | 3,499 |
| Pretax return on assets | 0.9723% | 3,606 |
| Return on Equity (ROE) | 6.3952% | 3,956 |
| Retained earnings to average equity (ytd only) | 5.1708% | 2,484 |
| Net charge-offs to loans | 0.0903% | 3,204 |
| Credit loss provision to net charge-offs | 227.7778% | 1,107 |
| Earnings coverage of net charge-offs (x) | 26.3492% | 1,466 |
| Efficiency ratio | 72.9179% | 3,051 |
| Assets per employee ($millions) | 3.8490% | 4,254 |
| Cash dividends to net income (ytd only)* | 19.1466% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 1,487 |
| Loan loss allowance to noncurrent loans | 125.3221% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 3,111 |
| Noncurrent loans to loans | 1.4537% | 2,020 |
| Net loans and leases to total assets | 38.9105% | 5,802 |
| Net loans and leases to deposits | 45.6041% | 5,810 |
| Net loans and leases to core deposits | 49.4198% | 5,739 |
| Total domestic deposits to total assets | 85.3224% | 3,151 |
| Equity capital to assets | 12.7850% | 1,477 |
| Core capital (leverage) ratio | 12.5714% | 1,320 |
| Tier 1 risk-based capital ratio | 25.8641% | 767 |
| Total risk-based capital ratio | 27.1170% | 754 |
| Memoranda: | ||
| Average total assets | $345,476,400 | 1,884 |
| Average earning assets | $312,324,400 | 1,918 |
| Average equity | $42,875,600 | 1,680 |
| Average total loans | $139,586,600 | 2,718 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9570% | 3,942 |
| Cost of funding earning assets | 0.6838% | 1,234 |
| Net interest margin | 3.2732% | 4,705 |
| Noninterest income to average assets | 0.5844% | 2,968 |
| Noninterest expense to average assets | 2.5920% | 4,219 |
| Loan and lease loss provision to assets | 0.1084% | 2,228 |
| Net operating income to assets | 0.6869% | 4,010 |
| Return on assets (ROA) | 0.7904% | 3,571 |
| Pretax return on assets | 0.9616% | 3,751 |
| Return on Equity (ROE) | 6.4182% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.4182% | 2,159 |
| Net charge-offs to loans | 0.1135% | 2,667 |
| Credit loss provision to net charge-offs | 235.2941% | 1,110 |
| Earnings coverage of net charge-offs (x) | 20.4793% | 1,731 |
| Efficiency ratio | 73.3078% | 2,938 |
| Assets per employee ($millions) | 3.7466% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 1,602 |
| Loan loss allowance to noncurrent loans | 226.0054% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 3,080 |
| Noncurrent loans to loans | 0.8139% | 3,544 |
| Net loans and leases to total assets | 39.1522% | 5,869 |
| Net loans and leases to deposits | 45.8725% | 5,869 |
| Net loans and leases to core deposits | 49.8876% | 5,798 |
| Total domestic deposits to total assets | 85.3501% | 3,187 |
| Equity capital to assets | 12.7622% | 1,547 |
| Core capital (leverage) ratio | 12.6955% | 1,306 |
| Tier 1 risk-based capital ratio | 25.8431% | 800 |
| Total risk-based capital ratio | 27.0966% | 781 |
| Memoranda: | ||
| Average total assets | $344,281,750 | 1,897 |
| Average earning assets | $310,431,250 | 1,944 |
| Average equity | $42,399,500 | 1,704 |
| Average total loans | $139,779,500 | 2,733 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,905 |
| Cost of funding earning assets | 0.6857% | 1,268 |
| Net interest margin | 3.2723% | 4,695 |
| Noninterest income to average assets | 0.5788% | 2,938 |
| Noninterest expense to average assets | 2.5786% | 4,315 |
| Loan and lease loss provision to assets | 0.1279% | 1,929 |
| Net operating income to assets | 0.7044% | 3,817 |
| Return on assets (ROA) | 0.7049% | 3,906 |
| Pretax return on assets | 0.8241% | 4,181 |
| Return on Equity (ROE) | 5.7942% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,449 |
| Net charge-offs to loans | 0.0555% | 3,168 |
| Credit loss provision to net charge-offs | 564.1026% | 535 |
| Earnings coverage of net charge-offs (x) | 41.9744% | 1,021 |
| Efficiency ratio | 73.0491% | 3,149 |
| Assets per employee ($millions) | 3.7681% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 1,757 |
| Loan loss allowance to noncurrent loans | 216.2002% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 3,126 |
| Noncurrent loans to loans | 0.8471% | 3,585 |
| Net loans and leases to total assets | 39.4111% | 5,866 |
| Net loans and leases to deposits | 45.9985% | 5,884 |
| Net loans and leases to core deposits | 49.9810% | 5,791 |
| Total domestic deposits to total assets | 85.6791% | 3,204 |
| Equity capital to assets | 12.4935% | 1,647 |
| Core capital (leverage) ratio | 12.3560% | 1,469 |
| Tier 1 risk-based capital ratio | 24.9971% | 874 |
| Total risk-based capital ratio | 26.2502% | 857 |
| Memoranda: | ||
| Average total assets | $344,145,330 | 1,899 |
| Average earning assets | $310,359,000 | 1,939 |
| Average equity | $41,869,330 | 1,714 |
| Average total loans | $140,545,000 | 2,719 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9294% | 3,970 |
| Cost of funding earning assets | 0.6937% | 1,288 |
| Net interest margin | 3.2356% | 4,793 |
| Noninterest income to average assets | 0.5763% | 2,876 |
| Noninterest expense to average assets | 2.5781% | 4,347 |
| Loan and lease loss provision to assets | 0.1400% | 1,736 |
| Net operating income to assets | 0.6778% | 3,801 |
| Return on assets (ROA) | 0.6778% | 3,882 |
| Pretax return on assets | 0.7746% | 4,205 |
| Return on Equity (ROE) | 5.6478% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.6478% | 2,718 |
| Net charge-offs to loans | 0.0510% | 2,671 |
| Credit loss provision to net charge-offs | 666.6667% | 422 |
| Earnings coverage of net charge-offs (x) | 43.5556% | 834 |
| Efficiency ratio | 73.8143% | 3,179 |
| Assets per employee ($millions) | 3.9419% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7463% | 2,207 |
| Loan loss allowance to noncurrent loans | 117.0616% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 3,426 |
| Noncurrent loans to loans | 1.4918% | 2,550 |
| Net loans and leases to total assets | 39.6126% | 5,830 |
| Net loans and leases to deposits | 45.8832% | 5,859 |
| Net loans and leases to core deposits | 49.8177% | 5,780 |
| Total domestic deposits to total assets | 86.3335% | 3,192 |
| Equity capital to assets | 11.8947% | 1,945 |
| Core capital (leverage) ratio | 12.3394% | 1,461 |
| Tier 1 risk-based capital ratio | 24.3910% | 948 |
| Total risk-based capital ratio | 25.6434% | 936 |
| Memoranda: | ||
| Average total assets | $342,883,500 | 1,914 |
| Average earning assets | $309,057,000 | 1,956 |
| Average equity | $41,148,500 | 1,735 |
| Average total loans | $141,230,000 | 2,718 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 4,237 |
| Cost of funding earning assets | 0.8125% | 1,144 |
| Net interest margin | 3.1484% | 5,164 |
| Noninterest income to average assets | 0.6084% | 3,037 |
| Noninterest expense to average assets | 2.5428% | 4,637 |
| Loan and lease loss provision to assets | 0.1580% | 2,308 |
| Net operating income to assets | 0.6615% | 3,975 |
| Return on assets (ROA) | 0.7992% | 3,395 |
| Pretax return on assets | 0.9321% | 3,632 |
| Return on Equity (ROE) | 6.5711% | 3,790 |
| Retained earnings to average equity (ytd only) | 4.5313% | 2,949 |
| Net charge-offs to loans | 0.4707% | 1,417 |
| Credit loss provision to net charge-offs | 81.4307% | 3,008 |
| Earnings coverage of net charge-offs (x) | 4.7930% | 3,450 |
| Efficiency ratio | 73.2205% | 3,260 |
| Assets per employee ($millions) | 3.6806% | 4,526 |
| Cash dividends to net income (ytd only)* | 31.0421% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 2,464 |
| Loan loss allowance to noncurrent loans | 98.3797% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 3,482 |
| Noncurrent loans to loans | 1.7069% | 2,351 |
| Net loans and leases to total assets | 41.3956% | 5,859 |
| Net loans and leases to deposits | 47.7651% | 5,911 |
| Net loans and leases to core deposits | 52.1633% | 5,788 |
| Total domestic deposits to total assets | 86.6650% | 2,894 |
| Equity capital to assets | 12.1118% | 1,737 |
| Core capital (leverage) ratio | 12.2340% | 1,478 |
| Tier 1 risk-based capital ratio | 24.4505% | 909 |
| Total risk-based capital ratio | 25.7023% | 895 |
| Memoranda: | ||
| Average total assets | $338,604,800 | 1,900 |
| Average earning assets | $308,063,400 | 1,921 |
| Average equity | $41,180,400 | 1,700 |
| Average total loans | $139,571,000 | 2,705 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,452 |
| Cost of funding earning assets | 0.8285% | 1,165 |
| Net interest margin | 3.0854% | 5,360 |
| Noninterest income to average assets | 0.5812% | 3,265 |
| Noninterest expense to average assets | 2.5325% | 4,611 |
| Loan and lease loss provision to assets | 0.1433% | 2,493 |
| Net operating income to assets | 0.6173% | 4,269 |
| Return on assets (ROA) | 0.8003% | 3,475 |
| Pretax return on assets | 0.9276% | 3,772 |
| Return on Equity (ROE) | 6.5740% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.4611% | 2,745 |
| Net charge-offs to loans | 0.2576% | 2,265 |
| Credit loss provision to net charge-offs | 135.6877% | 1,736 |
| Earnings coverage of net charge-offs (x) | 8.1226% | 2,675 |
| Efficiency ratio | 74.6931% | 2,950 |
| Assets per employee ($millions) | 3.7024% | 4,446 |
| Cash dividends to net income (ytd only)* | 16.9284% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8031% | 2,297 |
| Loan loss allowance to noncurrent loans | 80.8630% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 3,245 |
| Noncurrent loans to loans | 2.2298% | 1,980 |
| Net loans and leases to total assets | 41.8002% | 5,917 |
| Net loans and leases to deposits | 48.2039% | 5,949 |
| Net loans and leases to core deposits | 52.6496% | 5,857 |
| Total domestic deposits to total assets | 86.7153% | 2,843 |
| Equity capital to assets | 11.9280% | 1,961 |
| Core capital (leverage) ratio | 12.2209% | 1,555 |
| Tier 1 risk-based capital ratio | 23.9719% | 1,008 |
| Total risk-based capital ratio | 25.2254% | 993 |
| Memoranda: | ||
| Average total assets | $339,521,250 | 1,905 |
| Average earning assets | $309,147,500 | 1,929 |
| Average equity | $41,333,750 | 1,705 |
| Average total loans | $139,209,250 | 2,726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 4,460 |
| Cost of funding earning assets | 0.8361% | 1,223 |
| Net interest margin | 3.0684% | 5,371 |
| Noninterest income to average assets | 0.5523% | 3,484 |
| Noninterest expense to average assets | 2.5230% | 4,651 |
| Loan and lease loss provision to assets | 0.1440% | 2,534 |
| Net operating income to assets | 0.5809% | 4,398 |
| Return on assets (ROA) | 0.8484% | 3,203 |
| Pretax return on assets | 1.0047% | 3,492 |
| Return on Equity (ROE) | 6.9231% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.2690% | 2,877 |
| Net charge-offs to loans | 0.0972% | 3,387 |
| Credit loss provision to net charge-offs | 365.6716% | 712 |
| Earnings coverage of net charge-offs (x) | 21.0896% | 1,429 |
| Efficiency ratio | 75.2409% | 2,904 |
| Assets per employee ($millions) | 3.6855% | 4,428 |
| Cash dividends to net income (ytd only)* | 23.8920% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,119 |
| Loan loss allowance to noncurrent loans | 89.8619% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 3,810 |
| Noncurrent loans to loans | 2.1123% | 2,269 |
| Net loans and leases to total assets | 40.6674% | 5,997 |
| Net loans and leases to deposits | 46.9125% | 6,049 |
| Net loans and leases to core deposits | 51.2928% | 5,935 |
| Total domestic deposits to total assets | 86.6877% | 3,006 |
| Equity capital to assets | 11.9771% | 1,928 |
| Core capital (leverage) ratio | 11.9314% | 1,650 |
| Tier 1 risk-based capital ratio | 24.1145% | 987 |
| Total risk-based capital ratio | 25.3689% | 964 |
| Memoranda: | ||
| Average total assets | $340,387,670 | 1,909 |
| Average earning assets | $310,718,000 | 1,925 |
| Average equity | $41,715,670 | 1,694 |
| Average total loans | $137,805,670 | 2,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 4,529 |
| Cost of funding earning assets | 0.8424% | 1,291 |
| Net interest margin | 3.0434% | 5,457 |
| Noninterest income to average assets | 0.5383% | 3,509 |
| Noninterest expense to average assets | 2.4970% | 4,765 |
| Loan and lease loss provision to assets | 0.1231% | 2,689 |
| Net operating income to assets | 0.6639% | 3,880 |
| Return on assets (ROA) | 0.6650% | 4,031 |
| Pretax return on assets | 0.6990% | 4,586 |
| Return on Equity (ROE) | 5.3657% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.3657% | 3,021 |
| Net charge-offs to loans | 0.0733% | 3,110 |
| Credit loss provision to net charge-offs | 420.0000% | 615 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 998 |
| Efficiency ratio | 75.2563% | 3,047 |
| Assets per employee ($millions) | 3.7572% | 4,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 2,343 |
| Loan loss allowance to noncurrent loans | 90.5248% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 4,103 |
| Noncurrent loans to loans | 2.0842% | 2,526 |
| Net loans and leases to total assets | 38.6637% | 6,103 |
| Net loans and leases to deposits | 44.6998% | 6,146 |
| Net loans and leases to core deposits | 48.3732% | 6,076 |
| Total domestic deposits to total assets | 86.4965% | 3,232 |
| Equity capital to assets | 12.2740% | 1,852 |
| Core capital (leverage) ratio | 11.7956% | 1,680 |
| Tier 1 risk-based capital ratio | 24.2839% | 984 |
| Total risk-based capital ratio | 25.5378% | 964 |
| Memoranda: | ||
| Average total assets | $341,050,000 | 1,933 |
| Average earning assets | $311,495,500 | 1,949 |
| Average equity | $42,268,500 | 1,690 |
| Average total loans | $136,430,500 | 2,782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1972% | 4,602 |
| Cost of funding earning assets | 0.9269% | 1,774 |
| Net interest margin | 3.2703% | 5,356 |
| Noninterest income to average assets | 0.5871% | 3,350 |
| Noninterest expense to average assets | 2.4383% | 5,289 |
| Loan and lease loss provision to assets | 0.1456% | 3,781 |
| Net operating income to assets | 0.8310% | 3,135 |
| Return on assets (ROA) | 0.9315% | 2,885 |
| Pretax return on assets | 1.0989% | 3,162 |
| Return on Equity (ROE) | 7.4489% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.4121% | 2,438 |
| Net charge-offs to loans | 0.0698% | 4,984 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 38.6875% | 827 |
| Efficiency ratio | 68.4049% | 4,069 |
| Assets per employee ($millions) | 3.6971% | 4,568 |
| Cash dividends to net income (ytd only)* | 27.3438% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,521 |
| Loan loss allowance to noncurrent loans | 86.3684% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 4,098 |
| Noncurrent loans to loans | 2.1099% | 2,568 |
| Net loans and leases to total assets | 39.8752% | 6,178 |
| Net loans and leases to deposits | 46.1926% | 6,240 |
| Net loans and leases to core deposits | 50.2803% | 6,131 |
| Total domestic deposits to total assets | 86.3237% | 3,188 |
| Equity capital to assets | 12.5165% | 1,704 |
| Core capital (leverage) ratio | 12.0507% | 1,543 |
| Tier 1 risk-based capital ratio | 24.2388% | 944 |
| Total risk-based capital ratio | 25.4924% | 926 |
| Memoranda: | ||
| Average total assets | $329,781,400 | 1,954 |
| Average earning assets | $300,248,800 | 1,967 |
| Average equity | $41,240,800 | 1,695 |
| Average total loans | $137,533,600 | 2,747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 4,603 |
| Cost of funding earning assets | 0.9406% | 1,911 |
| Net interest margin | 3.3206% | 5,308 |
| Noninterest income to average assets | 0.5799% | 3,406 |
| Noninterest expense to average assets | 2.4308% | 5,304 |
| Loan and lease loss provision to assets | 0.1463% | 3,712 |
| Net operating income to assets | 0.8535% | 3,197 |
| Return on assets (ROA) | 0.9850% | 2,815 |
| Pretax return on assets | 1.1837% | 3,048 |
| Return on Equity (ROE) | 7.8782% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.7569% | 2,247 |
| Net charge-offs to loans | 0.0823% | 4,576 |
| Credit loss provision to net charge-offs | 423.5294% | 632 |
| Earnings coverage of net charge-offs (x) | 33.9178% | 993 |
| Efficiency ratio | 67.4788% | 4,181 |
| Assets per employee ($millions) | 3.5758% | 4,798 |
| Cash dividends to net income (ytd only)* | 14.2327% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 2,942 |
| Loan loss allowance to noncurrent loans | 90.3605% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 4,466 |
| Noncurrent loans to loans | 1.9440% | 2,904 |
| Net loans and leases to total assets | 40.4773% | 6,243 |
| Net loans and leases to deposits | 47.1406% | 6,307 |
| Net loans and leases to core deposits | 51.2686% | 6,226 |
| Total domestic deposits to total assets | 85.8650% | 3,324 |
| Equity capital to assets | 12.9477% | 1,617 |
| Core capital (leverage) ratio | 12.0782% | 1,608 |
| Tier 1 risk-based capital ratio | 24.4471% | 964 |
| Total risk-based capital ratio | 25.7002% | 952 |
| Memoranda: | ||
| Average total assets | $328,118,000 | 1,980 |
| Average earning assets | $298,654,000 | 1,998 |
| Average equity | $41,023,500 | 1,715 |
| Average total loans | $137,756,000 | 2,780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3041% | 4,554 |
| Cost of funding earning assets | 0.9502% | 2,063 |
| Net interest margin | 3.3539% | 5,251 |
| Noninterest income to average assets | 0.5674% | 3,472 |
| Noninterest expense to average assets | 2.4311% | 5,355 |
| Loan and lease loss provision to assets | 0.1464% | 3,687 |
| Net operating income to assets | 0.8506% | 3,138 |
| Return on assets (ROA) | 1.0414% | 2,519 |
| Pretax return on assets | 1.2787% | 2,635 |
| Return on Equity (ROE) | 8.4297% | 3,054 |
| Retained earnings to average equity (ytd only) | 6.7260% | 2,258 |
| Net charge-offs to loans | 0.0881% | 4,271 |
| Credit loss provision to net charge-offs | 393.4426% | 749 |
| Earnings coverage of net charge-offs (x) | 31.9672% | 1,028 |
| Efficiency ratio | 67.1441% | 4,298 |
| Assets per employee ($millions) | 3.6270% | 4,691 |
| Cash dividends to net income (ytd only)* | 20.2109% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 3,400 |
| Loan loss allowance to noncurrent loans | 149.3464% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 5,333 |
| Noncurrent loans to loans | 1.1097% | 4,305 |
| Net loans and leases to total assets | 41.0798% | 6,263 |
| Net loans and leases to deposits | 47.6427% | 6,333 |
| Net loans and leases to core deposits | 51.6904% | 6,258 |
| Total domestic deposits to total assets | 86.2246% | 3,235 |
| Equity capital to assets | 12.5531% | 1,784 |
| Core capital (leverage) ratio | 11.8119% | 1,717 |
| Tier 1 risk-based capital ratio | 23.7199% | 1,052 |
| Total risk-based capital ratio | 24.9719% | 1,036 |
| Memoranda: | ||
| Average total assets | $327,831,670 | 1,980 |
| Average earning assets | $298,459,670 | 1,994 |
| Average equity | $40,499,670 | 1,723 |
| Average total loans | $138,494,000 | 2,779 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 4,563 |
| Cost of funding earning assets | 0.9710% | 2,154 |
| Net interest margin | 3.3690% | 5,240 |
| Noninterest income to average assets | 0.5571% | 3,520 |
| Noninterest expense to average assets | 2.4192% | 5,407 |
| Loan and lease loss provision to assets | 0.1469% | 3,524 |
| Net operating income to assets | 0.8279% | 3,264 |
| Return on assets (ROA) | 1.1937% | 1,941 |
| Pretax return on assets | 1.5267% | 1,808 |
| Return on Equity (ROE) | 9.7418% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.7418% | 1,341 |
| Net charge-offs to loans | 0.1210% | 3,387 |
| Credit loss provision to net charge-offs | 285.7143% | 1,025 |
| Earnings coverage of net charge-offs (x) | 23.4286% | 1,094 |
| Efficiency ratio | 66.7568% | 4,416 |
| Assets per employee ($millions) | 3.6862% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,819 |
| Loan loss allowance to noncurrent loans | 176.4136% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 5,659 |
| Noncurrent loans to loans | 0.8941% | 4,877 |
| Net loans and leases to total assets | 41.0791% | 6,259 |
| Net loans and leases to deposits | 47.4825% | 6,322 |
| Net loans and leases to core deposits | 51.3031% | 6,256 |
| Total domestic deposits to total assets | 86.5141% | 3,238 |
| Equity capital to assets | 12.1587% | 1,939 |
| Core capital (leverage) ratio | 11.8031% | 1,710 |
| Tier 1 risk-based capital ratio | 23.6069% | 1,055 |
| Total risk-based capital ratio | 24.8582% | 1,038 |
| Memoranda: | ||
| Average total assets | $326,721,000 | 1,993 |
| Average earning assets | $297,413,500 | 1,996 |
| Average equity | $40,033,500 | 1,736 |
| Average total loans | $138,806,000 | 2,802 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 4,727 |
| Cost of funding earning assets | 1.1428% | 2,396 |
| Net interest margin | 3.4436% | 5,356 |
| Noninterest income to average assets | 0.6273% | 3,020 |
| Noninterest expense to average assets | 2.5097% | 5,441 |
| Loan and lease loss provision to assets | 0.2089% | 4,095 |
| Net operating income to assets | 0.8524% | 2,808 |
| Return on assets (ROA) | 1.0796% | 2,028 |
| Pretax return on assets | 1.3092% | 2,094 |
| Return on Equity (ROE) | 9.0754% | 2,411 |
| Retained earnings to average equity (ytd only) | 6.8970% | 1,551 |
| Net charge-offs to loans | 0.2504% | 4,213 |
| Credit loss provision to net charge-offs | 190.0000% | 1,348 |
| Earnings coverage of net charge-offs (x) | 11.2886% | 1,733 |
| Efficiency ratio | 66.9123% | 4,589 |
| Assets per employee ($millions) | 3.5350% | 4,930 |
| Cash dividends to net income (ytd only)* | 24.0035% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 3,963 |
| Loan loss allowance to noncurrent loans | 115.5873% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 5,226 |
| Noncurrent loans to loans | 1.3094% | 4,185 |
| Net loans and leases to total assets | 42.6004% | 6,330 |
| Net loans and leases to deposits | 49.3671% | 6,412 |
| Net loans and leases to core deposits | 53.5480% | 6,333 |
| Total domestic deposits to total assets | 86.2932% | 3,145 |
| Equity capital to assets | 12.3505% | 1,880 |
| Core capital (leverage) ratio | 11.7522% | 1,734 |
| Tier 1 risk-based capital ratio | 22.9874% | 1,102 |
| Total risk-based capital ratio | 24.2378% | 1,083 |
| Memoranda: | ||
| Average total assets | $318,362,600 | 2,017 |
| Average earning assets | $288,767,400 | 2,034 |
| Average equity | $37,871,600 | 1,780 |
| Average total loans | $139,785,200 | 2,791 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 4,693 |
| Cost of funding earning assets | 1.1813% | 2,439 |
| Net interest margin | 3.4619% | 5,352 |
| Noninterest income to average assets | 0.6286% | 3,003 |
| Noninterest expense to average assets | 2.5332% | 5,341 |
| Loan and lease loss provision to assets | 0.1848% | 4,188 |
| Net operating income to assets | 0.8527% | 2,929 |
| Return on assets (ROA) | 1.1459% | 1,942 |
| Pretax return on assets | 1.4129% | 1,906 |
| Return on Equity (ROE) | 9.7270% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.5508% | 1,298 |
| Net charge-offs to loans | 0.1620% | 4,488 |
| Credit loss provision to net charge-offs | 258.8235% | 1,105 |
| Earnings coverage of net charge-offs (x) | 17.3118% | 1,354 |
| Efficiency ratio | 67.2126% | 4,480 |
| Assets per employee ($millions) | 3.4636% | 5,084 |
| Cash dividends to net income (ytd only)* | 12.0924% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,269 |
| Loan loss allowance to noncurrent loans | 114.2461% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 5,608 |
| Noncurrent loans to loans | 1.2818% | 4,388 |
| Net loans and leases to total assets | 43.9976% | 6,334 |
| Net loans and leases to deposits | 51.0166% | 6,442 |
| Net loans and leases to core deposits | 55.2974% | 6,368 |
| Total domestic deposits to total assets | 86.2416% | 3,068 |
| Equity capital to assets | 12.6222% | 1,837 |
| Core capital (leverage) ratio | 11.7530% | 1,855 |
| Tier 1 risk-based capital ratio | 22.8796% | 1,162 |
| Total risk-based capital ratio | 24.1302% | 1,143 |
| Memoranda: | ||
| Average total assets | $317,531,500 | 2,023 |
| Average earning assets | $288,040,500 | 2,042 |
| Average equity | $37,407,000 | 1,802 |
| Average total loans | $139,945,000 | 2,813 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 4,789 |
| Cost of funding earning assets | 1.2234% | 2,418 |
| Net interest margin | 3.4180% | 5,488 |
| Noninterest income to average assets | 0.6051% | 3,099 |
| Noninterest expense to average assets | 2.5440% | 5,379 |
| Loan and lease loss provision to assets | 0.1822% | 4,098 |
| Net operating income to assets | 0.7856% | 3,134 |
| Return on assets (ROA) | 1.2039% | 1,646 |
| Pretax return on assets | 1.5086% | 1,503 |
| Return on Equity (ROE) | 10.4658% | 1,957 |
| Retained earnings to average equity (ytd only) | 8.6632% | 1,216 |
| Net charge-offs to loans | 0.2162% | 3,838 |
| Credit loss provision to net charge-offs | 192.0530% | 1,572 |
| Earnings coverage of net charge-offs (x) | 12.3113% | 1,636 |
| Efficiency ratio | 68.5342% | 4,416 |
| Assets per employee ($millions) | 3.4585% | 5,055 |
| Cash dividends to net income (ytd only)* | 17.2234% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 4,785 |
| Loan loss allowance to noncurrent loans | 203.8015% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 6,295 |
| Noncurrent loans to loans | 0.6665% | 5,576 |
| Net loans and leases to total assets | 44.0475% | 6,434 |
| Net loans and leases to deposits | 50.6668% | 6,556 |
| Net loans and leases to core deposits | 53.9355% | 6,561 |
| Total domestic deposits to total assets | 86.9356% | 2,778 |
| Equity capital to assets | 11.9345% | 2,140 |
| Core capital (leverage) ratio | 11.2950% | 2,052 |
| Tier 1 risk-based capital ratio | 22.0678% | 1,245 |
| Total risk-based capital ratio | 23.2486% | 1,229 |
| Memoranda: | ||
| Average total assets | $318,312,000 | 2,032 |
| Average earning assets | $289,353,000 | 2,041 |
| Average equity | $36,614,670 | 1,825 |
| Average total loans | $139,681,000 | 2,850 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 5,141 |
| Cost of funding earning assets | 1.2645% | 2,394 |
| Net interest margin | 3.2931% | 5,804 |
| Noninterest income to average assets | 0.5817% | 3,296 |
| Noninterest expense to average assets | 2.5831% | 5,285 |
| Loan and lease loss provision to assets | 0.1759% | 3,865 |
| Net operating income to assets | 0.6658% | 3,682 |
| Return on assets (ROA) | 1.1207% | 1,813 |
| Pretax return on assets | 1.3782% | 1,784 |
| Return on Equity (ROE) | 9.9290% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.9290% | 1,133 |
| Net charge-offs to loans | 0.1704% | 3,461 |
| Credit loss provision to net charge-offs | 237.2881% | 1,299 |
| Earnings coverage of net charge-offs (x) | 13.3898% | 1,442 |
| Efficiency ratio | 72.2417% | 3,810 |
| Assets per employee ($millions) | 3.5120% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,903 |
| Loan loss allowance to noncurrent loans | 222.8571% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 6,363 |
| Noncurrent loans to loans | 0.6056% | 5,822 |
| Net loans and leases to total assets | 42.3509% | 6,588 |
| Net loans and leases to deposits | 48.3792% | 6,730 |
| Net loans and leases to core deposits | 51.3242% | 6,714 |
| Total domestic deposits to total assets | 87.5395% | 2,643 |
| Equity capital to assets | 11.3136% | 2,404 |
| Core capital (leverage) ratio | 11.2076% | 2,026 |
| Tier 1 risk-based capital ratio | 21.7738% | 1,266 |
| Total risk-based capital ratio | 22.9260% | 1,260 |
| Memoranda: | ||
| Average total assets | $318,375,000 | 2,048 |
| Average earning assets | $289,452,500 | 2,059 |
| Average equity | $35,935,000 | 1,843 |
| Average total loans | $138,480,000 | 2,919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 5,866 |
| Cost of funding earning assets | 1.5650% | 2,275 |
| Net interest margin | 3.1140% | 6,486 |
| Noninterest income to average assets | 0.6916% | 2,887 |
| Noninterest expense to average assets | 2.6705% | 5,125 |
| Loan and lease loss provision to assets | 0.1153% | 6,004 |
| Net operating income to assets | 0.6648% | 3,371 |
| Return on assets (ROA) | 0.8018% | 2,925 |
| Pretax return on assets | 0.8906% | 3,326 |
| Return on Equity (ROE) | 7.0056% | 3,123 |
| Retained earnings to average equity (ytd only) | 4.7617% | 2,569 |
| Net charge-offs to loans | 0.3734% | 4,170 |
| Credit loss provision to net charge-offs | 71.4000% | 5,825 |
| Earnings coverage of net charge-offs (x) | 5.2860% | 2,670 |
| Efficiency ratio | 75.7745% | 3,080 |
| Assets per employee ($millions) | 3.3725% | 5,236 |
| Cash dividends to net income (ytd only)* | 32.0306% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 5,029 |
| Loan loss allowance to noncurrent loans | 165.9870% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5889% | 5,847 |
| Noncurrent loans to loans | 0.7805% | 5,479 |
| Net loans and leases to total assets | 43.5076% | 6,749 |
| Net loans and leases to deposits | 49.6789% | 6,871 |
| Net loans and leases to core deposits | 52.7586% | 6,867 |
| Total domestic deposits to total assets | 87.5776% | 2,500 |
| Equity capital to assets | 11.2597% | 2,446 |
| Core capital (leverage) ratio | 11.0958% | 2,086 |
| Tier 1 risk-based capital ratio | 21.3921% | 1,265 |
| Total risk-based capital ratio | 22.5032% | 1,258 |
| Memoranda: | ||
| Average total assets | $309,564,400 | 2,093 |
| Average earning assets | $281,597,400 | 2,097 |
| Average equity | $35,428,600 | 1,868 |
| Average total loans | $133,889,200 | 3,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 5,997 |
| Cost of funding earning assets | 1.6130% | 2,320 |
| Net interest margin | 3.0924% | 6,630 |
| Noninterest income to average assets | 0.7065% | 2,789 |
| Noninterest expense to average assets | 2.6753% | 4,983 |
| Loan and lease loss provision to assets | 0.1154% | 5,873 |
| Net operating income to assets | 0.6494% | 3,648 |
| Return on assets (ROA) | 0.8305% | 3,013 |
| Pretax return on assets | 0.9321% | 3,440 |
| Return on Equity (ROE) | 7.2273% | 3,241 |
| Retained earnings to average equity (ytd only) | 5.9864% | 2,360 |
| Net charge-offs to loans | 0.4508% | 3,496 |
| Credit loss provision to net charge-offs | 59.4655% | 5,703 |
| Earnings coverage of net charge-offs (x) | 4.3497% | 3,088 |
| Efficiency ratio | 76.0192% | 2,945 |
| Assets per employee ($millions) | 3.3822% | 5,252 |
| Cash dividends to net income (ytd only)* | 17.1697% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 5,122 |
| Loan loss allowance to noncurrent loans | 116.7222% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5602% | 6,030 |
| Noncurrent loans to loans | 1.0866% | 5,066 |
| Net loans and leases to total assets | 43.8304% | 6,854 |
| Net loans and leases to deposits | 50.2637% | 6,996 |
| Net loans and leases to core deposits | 53.4428% | 6,985 |
| Total domestic deposits to total assets | 87.2009% | 2,420 |
| Equity capital to assets | 11.7610% | 2,314 |
| Core capital (leverage) ratio | 11.1031% | 2,189 |
| Tier 1 risk-based capital ratio | 21.6865% | 1,257 |
| Total risk-based capital ratio | 22.7914% | 1,256 |
| Memoranda: | ||
| Average total assets | $308,545,000 | 2,142 |
| Average earning assets | $280,635,250 | 2,138 |
| Average equity | $35,457,000 | 1,887 |
| Average total loans | $132,799,250 | 3,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 6,083 |
| Cost of funding earning assets | 1.6525% | 2,372 |
| Net interest margin | 3.0662% | 6,689 |
| Noninterest income to average assets | 0.6988% | 2,712 |
| Noninterest expense to average assets | 2.6684% | 5,043 |
| Loan and lease loss provision to assets | 0.1151% | 5,752 |
| Net operating income to assets | 0.6151% | 3,810 |
| Return on assets (ROA) | 0.8815% | 2,745 |
| Pretax return on assets | 1.0173% | 3,053 |
| Return on Equity (ROE) | 7.7315% | 2,996 |
| Retained earnings to average equity (ytd only) | 5.8499% | 2,420 |
| Net charge-offs to loans | 0.5526% | 2,873 |
| Credit loss provision to net charge-offs | 48.8950% | 5,446 |
| Earnings coverage of net charge-offs (x) | 3.5110% | 3,297 |
| Efficiency ratio | 76.3579% | 3,008 |
| Assets per employee ($millions) | 3.3591% | 5,292 |
| Cash dividends to net income (ytd only)* | 24.3363% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 4,714 |
| Loan loss allowance to noncurrent loans | 104.4803% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 6,056 |
| Noncurrent loans to loans | 1.2859% | 4,812 |
| Net loans and leases to total assets | 41.1116% | 7,094 |
| Net loans and leases to deposits | 46.9511% | 7,209 |
| Net loans and leases to core deposits | 49.9588% | 7,210 |
| Total domestic deposits to total assets | 87.5626% | 2,226 |
| Equity capital to assets | 11.4345% | 2,492 |
| Core capital (leverage) ratio | 10.8925% | 2,333 |
| Tier 1 risk-based capital ratio | 22.0926% | 1,187 |
| Total risk-based capital ratio | 23.2350% | 1,179 |
| Memoranda: | ||
| Average total assets | $307,672,330 | 2,157 |
| Average earning assets | $280,541,670 | 2,156 |
| Average equity | $35,077,330 | 1,903 |
| Average total loans | $131,020,330 | 3,180 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 5,958 |
| Cost of funding earning assets | 1.6953% | 2,417 |
| Net interest margin | 3.0864% | 6,630 |
| Noninterest income to average assets | 0.6996% | 2,609 |
| Noninterest expense to average assets | 2.6452% | 5,165 |
| Loan and lease loss provision to assets | 0.1179% | 5,420 |
| Net operating income to assets | 0.6008% | 3,895 |
| Return on assets (ROA) | 1.0913% | 1,939 |
| Pretax return on assets | 1.3665% | 1,863 |
| Return on Equity (ROE) | 9.5870% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.5870% | 1,240 |
| Net charge-offs to loans | 0.8095% | 1,917 |
| Credit loss provision to net charge-offs | 33.8346% | 4,756 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,289 |
| Efficiency ratio | 75.2235% | 3,354 |
| Assets per employee ($millions) | 3.3834% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 4,637 |
| Loan loss allowance to noncurrent loans | 114.5277% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 6,075 |
| Noncurrent loans to loans | 1.1857% | 4,992 |
| Net loans and leases to total assets | 41.0233% | 7,181 |
| Net loans and leases to deposits | 46.8138% | 7,290 |
| Net loans and leases to core deposits | 49.6140% | 7,296 |
| Total domestic deposits to total assets | 87.6306% | 2,273 |
| Equity capital to assets | 11.2755% | 2,521 |
| Core capital (leverage) ratio | 11.0887% | 2,171 |
| Tier 1 risk-based capital ratio | 22.1601% | 1,183 |
| Total risk-based capital ratio | 23.3184% | 1,177 |
| Memoranda: | ||
| Average total assets | $305,310,500 | 2,222 |
| Average earning assets | $278,645,500 | 2,221 |
| Average equity | $34,755,500 | 1,936 |
| Average total loans | $131,440,500 | 3,232 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 5,517 |
| Cost of funding earning assets | 2.0257% | 2,842 |
| Net interest margin | 3.2027% | 6,081 |
| Noninterest income to average assets | 0.7513% | 2,668 |
| Noninterest expense to average assets | 2.7596% | 5,125 |
| Loan and lease loss provision to assets | 0.1711% | 5,982 |
| Net operating income to assets | 0.6611% | 3,094 |
| Return on assets (ROA) | 0.8265% | 2,515 |
| Pretax return on assets | 0.9376% | 2,804 |
| Return on Equity (ROE) | 7.3667% | 2,635 |
| Retained earnings to average equity (ytd only) | 5.4194% | 1,614 |
| Net charge-offs to loans | 0.1659% | 5,630 |
| Credit loss provision to net charge-offs | 233.7963% | 1,554 |
| Earnings coverage of net charge-offs (x) | 12.5833% | 1,494 |
| Efficiency ratio | 74.9839% | 3,714 |
| Assets per employee ($millions) | 3.2537% | 5,600 |
| Cash dividends to net income (ytd only)* | 26.4344% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 3,979 |
| Loan loss allowance to noncurrent loans | 117.3544% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5753% | 6,026 |
| Noncurrent loans to loans | 1.2351% | 4,886 |
| Net loans and leases to total assets | 43.9271% | 7,120 |
| Net loans and leases to deposits | 50.3128% | 7,246 |
| Net loans and leases to core deposits | 77.5921% | 6,291 |
| Total domestic deposits to total assets | 87.3079% | 2,320 |
| Equity capital to assets | 11.4961% | 2,322 |
| Core capital (leverage) ratio | 11.0770% | 2,187 |
| Tier 1 risk-based capital ratio | 21.9808% | 1,152 |
| Total risk-based capital ratio | 23.2314% | 1,133 |
| Memoranda: | ||
| Average total assets | $295,225,200 | 2,243 |
| Average earning assets | $269,987,400 | 2,236 |
| Average equity | $33,122,000 | 2,025 |
| Average total loans | $130,184,600 | 3,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 5,778 |
| Cost of funding earning assets | 2.0789% | 2,989 |
| Net interest margin | 3.1463% | 6,196 |
| Noninterest income to average assets | 0.7414% | 2,759 |
| Noninterest expense to average assets | 2.8031% | 4,882 |
| Loan and lease loss provision to assets | 0.1020% | 6,352 |
| Net operating income to assets | 0.6167% | 3,549 |
| Return on assets (ROA) | 0.8303% | 2,755 |
| Pretax return on assets | 0.9676% | 3,002 |
| Return on Equity (ROE) | 7.4472% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.7154% | 1,625 |
| Net charge-offs to loans | 0.1742% | 5,000 |
| Credit loss provision to net charge-offs | 133.1361% | 3,750 |
| Earnings coverage of net charge-offs (x) | 10.7218% | 1,932 |
| Efficiency ratio | 77.3415% | 3,268 |
| Assets per employee ($millions) | 3.1432% | 5,798 |
| Cash dividends to net income (ytd only)* | 9.8251% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,599 |
| Loan loss allowance to noncurrent loans | 101.9784% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 5,931 |
| Noncurrent loans to loans | 1.2584% | 4,841 |
| Net loans and leases to total assets | 44.2879% | 7,224 |
| Net loans and leases to deposits | 50.7895% | 7,373 |
| Net loans and leases to core deposits | 78.6854% | 6,438 |
| Total domestic deposits to total assets | 87.1989% | 2,077 |
| Equity capital to assets | 11.6855% | 2,445 |
| Core capital (leverage) ratio | 11.1512% | 2,302 |
| Tier 1 risk-based capital ratio | 22.3916% | 1,178 |
| Total risk-based capital ratio | 23.5580% | 1,170 |
| Memoranda: | ||
| Average total assets | $294,195,500 | 2,271 |
| Average earning assets | $269,561,250 | 2,262 |
| Average equity | $32,799,250 | 2,062 |
| Average total loans | $129,374,000 | 3,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 5,912 |
| Cost of funding earning assets | 2.1400% | 3,087 |
| Net interest margin | 3.1006% | 6,240 |
| Noninterest income to average assets | 0.7291% | 2,818 |
| Noninterest expense to average assets | 2.8539% | 4,717 |
| Loan and lease loss provision to assets | 0.0817% | 6,366 |
| Net operating income to assets | 0.5439% | 3,911 |
| Return on assets (ROA) | 0.8081% | 2,918 |
| Pretax return on assets | 0.9320% | 3,236 |
| Return on Equity (ROE) | 7.3673% | 3,039 |
| Retained earnings to average equity (ytd only) | 6.2501% | 1,906 |
| Net charge-offs to loans | 0.0733% | 5,479 |
| Credit loss provision to net charge-offs | 255.3191% | 1,823 |
| Earnings coverage of net charge-offs (x) | 22.1915% | 1,236 |
| Efficiency ratio | 80.0764% | 3,031 |
| Assets per employee ($millions) | 3.1433% | 5,735 |
| Cash dividends to net income (ytd only)* | 15.1643% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,243 |
| Loan loss allowance to noncurrent loans | 95.5506% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 5,806 |
| Noncurrent loans to loans | 1.3662% | 4,481 |
| Net loans and leases to total assets | 43.9614% | 7,330 |
| Net loans and leases to deposits | 50.0087% | 7,484 |
| Net loans and leases to core deposits | 76.0897% | 6,669 |
| Total domestic deposits to total assets | 87.9077% | 1,816 |
| Equity capital to assets | 10.9839% | 2,937 |
| Core capital (leverage) ratio | 10.8343% | 2,539 |
| Tier 1 risk-based capital ratio | 21.5803% | 1,320 |
| Total risk-based capital ratio | 22.7386% | 1,294 |
| Memoranda: | ||
| Average total assets | $293,774,000 | 2,294 |
| Average earning assets | $268,595,670 | 2,285 |
| Average equity | $32,223,670 | 2,104 |
| Average total loans | $128,314,000 | 3,371 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 5,689 |
| Cost of funding earning assets | 2.1952% | 3,189 |
| Net interest margin | 3.1491% | 6,022 |
| Noninterest income to average assets | 0.6923% | 2,936 |
| Noninterest expense to average assets | 2.8376% | 4,393 |
| Loan and lease loss provision to assets | 0.0819% | 5,918 |
| Net operating income to assets | 0.5126% | 4,363 |
| Return on assets (ROA) | 0.9955% | 2,463 |
| Pretax return on assets | 1.2481% | 2,461 |
| Return on Equity (ROE) | 9.0817% | 2,674 |
| Retained earnings to average equity (ytd only) | 9.0817% | 1,452 |
| Net charge-offs to loans | 0.0253% | 5,193 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 602 |
| Efficiency ratio | 79.6169% | 2,882 |
| Assets per employee ($millions) | 3.1585% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 3,848 |
| Loan loss allowance to noncurrent loans | 184.2562% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 6,394 |
| Noncurrent loans to loans | 0.7276% | 5,607 |
| Net loans and leases to total assets | 41.6183% | 7,488 |
| Net loans and leases to deposits | 47.2833% | 7,612 |
| Net loans and leases to core deposits | 69.5728% | 7,048 |
| Total domestic deposits to total assets | 88.0190% | 1,742 |
| Equity capital to assets | 10.7922% | 3,194 |
| Core capital (leverage) ratio | 10.9159% | 2,569 |
| Tier 1 risk-based capital ratio | 21.6863% | 1,339 |
| Total risk-based capital ratio | 22.8461% | 1,326 |
| Memoranda: | ||
| Average total assets | $292,927,000 | 2,315 |
| Average earning assets | $267,124,000 | 2,314 |
| Average equity | $32,108,500 | 2,109 |
| Average total loans | $126,666,000 | 3,433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9717% | 5,689 |
| Cost of funding earning assets | 2.7332% | 3,004 |
| Net interest margin | 3.2385% | 6,247 |
| Noninterest income to average assets | 0.8260% | 2,379 |
| Noninterest expense to average assets | 2.6323% | 5,522 |
| Loan and lease loss provision to assets | 0.0398% | 6,918 |
| Net operating income to assets | 0.8722% | 3,124 |
| Return on assets (ROA) | 0.9456% | 2,666 |
| Pretax return on assets | 1.2231% | 2,573 |
| Return on Equity (ROE) | 8.8101% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.2044% | 1,437 |
| Net charge-offs to loans | 0.1132% | 5,134 |
| Credit loss provision to net charge-offs | 80.7143% | 5,888 |
| Earnings coverage of net charge-offs (x) | 23.7071% | 1,408 |
| Efficiency ratio | 69.2742% | 4,484 |
| Assets per employee ($millions) | 3.0084% | 6,043 |
| Cash dividends to net income (ytd only)* | 29.5759% | 4,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 3,798 |
| Loan loss allowance to noncurrent loans | 383.4499% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 6,762 |
| Noncurrent loans to loans | 0.3384% | 6,361 |
| Net loans and leases to total assets | 43.7763% | 7,488 |
| Net loans and leases to deposits | 50.0126% | 7,628 |
| Net loans and leases to core deposits | 74.9554% | 6,916 |
| Total domestic deposits to total assets | 87.5306% | 1,696 |
| Equity capital to assets | 11.1387% | 2,936 |
| Core capital (leverage) ratio | 10.9629% | 2,620 |
| Tier 1 risk-based capital ratio | 21.5839% | 1,377 |
| Total risk-based capital ratio | 22.7291% | 1,362 |
| Memoranda: | ||
| Average total assets | $284,274,800 | 2,289 |
| Average earning assets | $261,048,600 | 2,283 |
| Average equity | $30,510,600 | 2,214 |
| Average total loans | $123,643,000 | 3,388 |