Home > Oconee State Bank > Performance and Condition Ratios
Oconee State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1341% | 1,783 |
| Cost of funding earning assets | 1.0098% | 3,273 |
| Net interest margin | 4.1243% | 1,044 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 3.4791% | 589 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1719% | 1,718 |
| Return on assets (ROA) | 1.1722% | 1,685 |
| Pretax return on assets | 1.4406% | 1,551 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 12.6926% | 545 |
| Net charge-offs to loans | -0.0025% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.9872% | 1,878 |
| Assets per employee ($millions) | 6.1993% | 2,640 |
| Cash dividends to net income (ytd only)* | 19.5356% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 1,667 |
| Loan loss allowance to noncurrent loans | 89.8964% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 584 |
| Noncurrent loans to loans | 1.4725% | 470 |
| Net loans and leases to total assets | 58.2200% | 3,017 |
| Net loans and leases to deposits | 63.8127% | 3,298 |
| Net loans and leases to core deposits | 67.5248% | 3,429 |
| Total domestic deposits to total assets | 91.2400% | 443 |
| Equity capital to assets | 7.8666% | 3,506 |
| Core capital (leverage) ratio | 9.1210% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9352% | 1,552 |
| Memoranda: | ||
| Average total assets | $551,085,800 | 1,610 |
| Average earning assets | $515,554,200 | 1,585 |
| Average equity | $40,953,000 | 1,855 |
| Average total loans | $319,487,800 | 1,723 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 2,147 |
| Cost of funding earning assets | 0.8054% | 3,502 |
| Net interest margin | 4.0553% | 1,139 |
| Noninterest income to average assets | 1.2700% | 471 |
| Noninterest expense to average assets | 3.4072% | 620 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.3503% | 1,421 |
| Return on assets (ROA) | 1.3507% | 1,399 |
| Pretax return on assets | 1.6328% | 1,294 |
| Return on Equity (ROE) | 18.4700% | 881 |
| Retained earnings to average equity (ytd only) | 14.2220% | 647 |
| Net charge-offs to loans | -0.0026% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.2742% | 2,103 |
| Assets per employee ($millions) | 6.1626% | 2,606 |
| Cash dividends to net income (ytd only)* | 22.9998% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 1,773 |
| Loan loss allowance to noncurrent loans | 85.4552% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 598 |
| Noncurrent loans to loans | 1.5446% | 460 |
| Net loans and leases to total assets | 57.7800% | 3,046 |
| Net loans and leases to deposits | 65.6392% | 3,159 |
| Net loans and leases to core deposits | 69.0899% | 3,262 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 7.4909% | 3,357 |
| Core capital (leverage) ratio | 9.7755% | 3,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8405% | 1,611 |
| Memoranda: | ||
| Average total assets | $541,623,250 | 1,639 |
| Average earning assets | $506,557,000 | 1,614 |
| Average equity | $39,609,000 | 1,886 |
| Average total loans | $312,483,500 | 1,753 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 2,244 |
| Cost of funding earning assets | 0.6105% | 3,721 |
| Net interest margin | 4.0727% | 1,127 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 3.3617% | 635 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9159% | 2,703 |
| Return on assets (ROA) | 0.9159% | 2,688 |
| Pretax return on assets | 1.2100% | 2,333 |
| Return on Equity (ROE) | 12.6400% | 1,977 |
| Retained earnings to average equity (ytd only) | 8.6628% | 1,774 |
| Net charge-offs to loans | 0.0316% | 1,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 67.2292% | 1,127 |
| Efficiency ratio | 73.3746% | 1,423 |
| Assets per employee ($millions) | 5.7776% | 2,909 |
| Cash dividends to net income (ytd only)* | 31.4486% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,529 |
| Loan loss allowance to noncurrent loans | 84.0361% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 490 |
| Noncurrent loans to loans | 1.6686% | 376 |
| Net loans and leases to total assets | 57.3100% | 3,021 |
| Net loans and leases to deposits | 64.1989% | 3,179 |
| Net loans and leases to core deposits | 67.6122% | 3,251 |
| Total domestic deposits to total assets | 89.2600% | 1,155 |
| Equity capital to assets | 7.6440% | 3,442 |
| Core capital (leverage) ratio | 9.9790% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8763% | 1,605 |
| Memoranda: | ||
| Average total assets | $529,071,000 | 1,667 |
| Average earning assets | $495,639,333 | 1,647 |
| Average equity | $38,347,667 | 1,928 |
| Average total loans | $303,581,667 | 1,765 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4638% | 2,404 |
| Cost of funding earning assets | 0.4485% | 3,839 |
| Net interest margin | 4.0152% | 1,236 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 3.3758% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9519% | 2,685 |
| Return on assets (ROA) | 0.9519% | 2,646 |
| Pretax return on assets | 1.2707% | 2,258 |
| Return on Equity (ROE) | 13.5000% | 1,881 |
| Retained earnings to average equity (ytd only) | 5.3544% | 2,939 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.6521% | 1,478 |
| Assets per employee ($millions) | 5.8983% | 2,851 |
| Cash dividends to net income (ytd only)* | 60.3325% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,540 |
| Loan loss allowance to noncurrent loans | 83.1510% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 412 |
| Noncurrent loans to loans | 1.7091% | 364 |
| Net loans and leases to total assets | 57.2600% | 2,935 |
| Net loans and leases to deposits | 64.1694% | 3,071 |
| Net loans and leases to core deposits | 65.9720% | 3,231 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 7.3676% | 3,636 |
| Core capital (leverage) ratio | 9.4832% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6838% | 1,733 |
| Memoranda: | ||
| Average total assets | $530,726,000 | 1,680 |
| Average earning assets | $497,607,500 | 1,660 |
| Average equity | $37,427,000 | 1,986 |
| Average total loans | $302,583,000 | 1,783 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5136% | 3,042 |
| Cost of funding earning assets | 0.1567% | 4,085 |
| Net interest margin | 3.3569% | 2,397 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.9506% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8586% | 3,119 |
| Return on assets (ROA) | 0.8587% | 3,051 |
| Pretax return on assets | 1.1140% | 2,722 |
| Return on Equity (ROE) | 12.0700% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.4434% | 1,021 |
| Net charge-offs to loans | -0.0023% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5953% | 1,375 |
| Assets per employee ($millions) | 6.3118% | 2,501 |
| Cash dividends to net income (ytd only)* | 13.5100% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,162 |
| Loan loss allowance to noncurrent loans | 85.4433% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 439 |
| Noncurrent loans to loans | 1.7731% | 341 |
| Net loans and leases to total assets | 55.1200% | 3,110 |
| Net loans and leases to deposits | 59.4544% | 3,365 |
| Net loans and leases to core deposits | 61.0942% | 3,444 |
| Total domestic deposits to total assets | 92.7100% | 466 |
| Equity capital to assets | 6.7433% | 3,793 |
| Core capital (leverage) ratio | 9.0872% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6315% | 1,756 |
| Memoranda: | ||
| Average total assets | $540,461,600 | 1,630 |
| Average earning assets | $509,928,000 | 1,605 |
| Average equity | $38,435,800 | 1,977 |
| Average total loans | $298,720,400 | 1,724 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 3,288 |
| Cost of funding earning assets | 0.1334% | 4,003 |
| Net interest margin | 3.1267% | 2,843 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.8675% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8038% | 3,246 |
| Return on assets (ROA) | 0.8040% | 3,207 |
| Pretax return on assets | 1.0392% | 2,903 |
| Return on Equity (ROE) | 11.1600% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.0185% | 1,646 |
| Net charge-offs to loans | -0.0031% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.4052% | 1,342 |
| Assets per employee ($millions) | 6.3430% | 2,449 |
| Cash dividends to net income (ytd only)* | 19.2037% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,208 |
| Loan loss allowance to noncurrent loans | 83.7291% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0197% | 438 |
| Noncurrent loans to loans | 1.8330% | 344 |
| Net loans and leases to total assets | 54.7700% | 3,027 |
| Net loans and leases to deposits | 59.4254% | 3,249 |
| Net loans and leases to core deposits | 61.1700% | 3,291 |
| Total domestic deposits to total assets | 92.1700% | 828 |
| Equity capital to assets | 6.4475% | 3,769 |
| Core capital (leverage) ratio | 9.2190% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7334% | 1,797 |
| Memoranda: | ||
| Average total assets | $541,451,250 | 1,639 |
| Average earning assets | $511,579,500 | 1,617 |
| Average equity | $39,000,250 | 1,982 |
| Average total loans | $298,332,750 | 1,718 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0875% | 3,337 |
| Cost of funding earning assets | 0.1277% | 3,870 |
| Net interest margin | 2.9598% | 3,005 |
| Noninterest income to average assets | 1.0431% | 609 |
| Noninterest expense to average assets | 2.8450% | 1,091 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7701% | 3,065 |
| Return on assets (ROA) | 0.7701% | 3,027 |
| Pretax return on assets | 0.9998% | 2,737 |
| Return on Equity (ROE) | 10.3380% | 2,208 |
| Retained earnings to average equity (ytd only) | 7.2455% | 1,898 |
| Net charge-offs to loans | -0.0047% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9966% | 1,505 |
| Assets per employee ($millions) | 6.0934% | 2,661 |
| Cash dividends to net income (ytd only)* | 29.9141% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,367 |
| Loan loss allowance to noncurrent loans | 83.3303% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 421 |
| Noncurrent loans to loans | 1.8173% | 368 |
| Net loans and leases to total assets | 58.4956% | 2,475 |
| Net loans and leases to deposits | 63.3267% | 2,781 |
| Net loans and leases to core deposits | 65.5616% | 2,855 |
| Total domestic deposits to total assets | 92.3712% | 701 |
| Equity capital to assets | 7.1861% | 3,672 |
| Core capital (leverage) ratio | 8.9059% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4981% | 1,864 |
| Memoranda: | ||
| Average total assets | $544,331,000 | 1,639 |
| Average earning assets | $515,232,333 | 1,622 |
| Average equity | $40,549,333 | 1,974 |
| Average total loans | $298,979,333 | 1,707 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9294% | 3,459 |
| Cost of funding earning assets | 0.1278% | 3,802 |
| Net interest margin | 2.8016% | 3,137 |
| Noninterest income to average assets | 0.7558% | 1,158 |
| Noninterest expense to average assets | 2.7536% | 1,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5152% | 3,670 |
| Return on assets (ROA) | 0.5152% | 3,639 |
| Pretax return on assets | 0.6629% | 3,490 |
| Return on Equity (ROE) | 6.8086% | 3,095 |
| Retained earnings to average equity (ytd only) | 0.9284% | 3,838 |
| Net charge-offs to loans | -0.0067% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5983% | 1,100 |
| Assets per employee ($millions) | 7.2244% | 1,835 |
| Cash dividends to net income (ytd only)* | 86.3636% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,396 |
| Loan loss allowance to noncurrent loans | 81.9870% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 507 |
| Noncurrent loans to loans | 1.8941% | 395 |
| Net loans and leases to total assets | 51.8197% | 2,999 |
| Net loans and leases to deposits | 55.9803% | 3,266 |
| Net loans and leases to core deposits | 57.7383% | 3,319 |
| Total domestic deposits to total assets | 92.5678% | 387 |
| Equity capital to assets | 7.0844% | 4,168 |
| Core capital (leverage) ratio | 8.0928% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4544% | 2,013 |
| Memoranda: | ||
| Average total assets | $563,619,500 | 1,594 |
| Average earning assets | $535,271,500 | 1,571 |
| Average equity | $42,652,000 | 1,960 |
| Average total loans | $298,272,500 | 1,709 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 2,890 |
| Cost of funding earning assets | 0.1979% | 3,490 |
| Net interest margin | 3.2199% | 2,555 |
| Noninterest income to average assets | 0.7962% | 1,455 |
| Noninterest expense to average assets | 2.9863% | 1,005 |
| Loan and lease loss provision to assets | 0.0863% | 1,425 |
| Net operating income to assets | 0.6460% | 3,758 |
| Return on assets (ROA) | 0.6721% | 3,743 |
| Pretax return on assets | 0.8384% | 3,648 |
| Return on Equity (ROE) | 7.9089% | 3,246 |
| Retained earnings to average equity (ytd only) | 6.6130% | 2,073 |
| Net charge-offs to loans | -0.0091% | 3,707 |
| Credit loss provision to net charge-offs | -1,572.4138% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9978% | 1,026 |
| Assets per employee ($millions) | 6.7971% | 2,071 |
| Cash dividends to net income (ytd only)* | 16.3851% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,574 |
| Loan loss allowance to noncurrent loans | 80.6893% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9859% | 573 |
| Noncurrent loans to loans | 1.8533% | 442 |
| Net loans and leases to total assets | 52.4019% | 3,012 |
| Net loans and leases to deposits | 57.2353% | 3,318 |
| Net loans and leases to core deposits | 59.0937% | 3,384 |
| Total domestic deposits to total assets | 91.5553% | 297 |
| Equity capital to assets | 8.0382% | 4,340 |
| Core capital (leverage) ratio | 8.0918% | 4,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1300% | 2,194 |
| Memoranda: | ||
| Average total assets | $528,511,200 | 1,626 |
| Average earning assets | $505,922,400 | 1,585 |
| Average equity | $44,911,400 | 1,926 |
| Average total loans | $317,755,000 | 1,632 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 2,987 |
| Cost of funding earning assets | 0.2103% | 3,513 |
| Net interest margin | 3.2288% | 2,639 |
| Noninterest income to average assets | 0.8485% | 1,387 |
| Noninterest expense to average assets | 3.0502% | 892 |
| Loan and lease loss provision to assets | 0.0604% | 1,785 |
| Net operating income to assets | 0.6620% | 3,866 |
| Return on assets (ROA) | 0.6974% | 3,838 |
| Pretax return on assets | 0.8769% | 3,746 |
| Return on Equity (ROE) | 8.0866% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.3493% | 2,675 |
| Net charge-offs to loans | -0.0104% | 3,685 |
| Credit loss provision to net charge-offs | -940.0000% | 3,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3520% | 928 |
| Assets per employee ($millions) | 6.4890% | 2,257 |
| Cash dividends to net income (ytd only)* | 21.4839% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 1,940 |
| Loan loss allowance to noncurrent loans | 74.5596% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 582 |
| Noncurrent loans to loans | 1.9047% | 477 |
| Net loans and leases to total assets | 56.3189% | 2,691 |
| Net loans and leases to deposits | 61.8642% | 3,055 |
| Net loans and leases to core deposits | 64.1136% | 3,129 |
| Total domestic deposits to total assets | 91.0363% | 359 |
| Equity capital to assets | 8.5935% | 4,134 |
| Core capital (leverage) ratio | 8.4551% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6412% | 2,110 |
| Memoranda: | ||
| Average total assets | $517,899,000 | 1,667 |
| Average earning assets | $496,398,750 | 1,626 |
| Average equity | $44,665,500 | 1,961 |
| Average total loans | $321,259,750 | 1,649 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 2,838 |
| Cost of funding earning assets | 0.2223% | 3,537 |
| Net interest margin | 3.2952% | 2,454 |
| Noninterest income to average assets | 0.9287% | 1,200 |
| Noninterest expense to average assets | 3.1179% | 817 |
| Loan and lease loss provision to assets | 0.0916% | 1,366 |
| Net operating income to assets | 0.6946% | 3,776 |
| Return on assets (ROA) | 0.7475% | 3,715 |
| Pretax return on assets | 0.9459% | 3,555 |
| Return on Equity (ROE) | 8.6568% | 3,209 |
| Retained earnings to average equity (ytd only) | 6.0300% | 2,789 |
| Net charge-offs to loans | -0.0135% | 3,804 |
| Credit loss provision to net charge-offs | -1,068.1818% | 3,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2631% | 1,060 |
| Assets per employee ($millions) | 6.5325% | 2,137 |
| Cash dividends to net income (ytd only)* | 30.3441% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 2,028 |
| Loan loss allowance to noncurrent loans | 73.6052% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 658 |
| Noncurrent loans to loans | 1.8868% | 531 |
| Net loans and leases to total assets | 57.8917% | 2,680 |
| Net loans and leases to deposits | 63.5142% | 3,052 |
| Net loans and leases to core deposits | 65.8549% | 3,124 |
| Total domestic deposits to total assets | 91.1476% | 327 |
| Equity capital to assets | 8.5400% | 4,170 |
| Core capital (leverage) ratio | 8.3707% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8555% | 2,021 |
| Memoranda: | ||
| Average total assets | $513,164,667 | 1,667 |
| Average earning assets | $492,042,667 | 1,630 |
| Average equity | $44,312,000 | 1,960 |
| Average total loans | $327,016,000 | 1,636 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 2,935 |
| Cost of funding earning assets | 0.2361% | 3,599 |
| Net interest margin | 3.2597% | 2,515 |
| Noninterest income to average assets | 0.9612% | 1,201 |
| Noninterest expense to average assets | 3.0904% | 851 |
| Loan and lease loss provision to assets | 0.1861% | 658 |
| Net operating income to assets | 0.6399% | 3,838 |
| Return on assets (ROA) | 0.7625% | 3,612 |
| Pretax return on assets | 0.9660% | 3,466 |
| Return on Equity (ROE) | 8.7797% | 3,112 |
| Retained earnings to average equity (ytd only) | 3.4736% | 3,642 |
| Net charge-offs to loans | -0.0143% | 3,838 |
| Credit loss provision to net charge-offs | -1,958.3333% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6102% | 1,170 |
| Assets per employee ($millions) | 5.9993% | 2,603 |
| Cash dividends to net income (ytd only)* | 60.4361% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,589 |
| Loan loss allowance to noncurrent loans | 72.0576% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1577% | 652 |
| Noncurrent loans to loans | 1.7548% | 675 |
| Net loans and leases to total assets | 65.1381% | 1,908 |
| Net loans and leases to deposits | 71.4044% | 2,374 |
| Net loans and leases to core deposits | 73.9208% | 2,521 |
| Total domestic deposits to total assets | 91.2241% | 322 |
| Equity capital to assets | 8.4535% | 4,148 |
| Core capital (leverage) ratio | 8.5597% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4557% | 2,106 |
| Memoranda: | ||
| Average total assets | $505,180,500 | 1,678 |
| Average earning assets | $484,467,000 | 1,636 |
| Average equity | $43,874,000 | 1,955 |
| Average total loans | $335,205,000 | 1,610 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 3,398 |
| Cost of funding earning assets | 0.3908% | 3,643 |
| Net interest margin | 3.3771% | 2,846 |
| Noninterest income to average assets | 1.0690% | 931 |
| Noninterest expense to average assets | 3.4859% | 700 |
| Loan and lease loss provision to assets | 0.2811% | 1,356 |
| Net operating income to assets | 0.4482% | 4,144 |
| Return on assets (ROA) | 0.4823% | 4,151 |
| Pretax return on assets | 0.5804% | 4,119 |
| Return on Equity (ROE) | 5.5162% | 3,735 |
| Retained earnings to average equity (ytd only) | 3.7443% | 2,955 |
| Net charge-offs to loans | 0.0046% | 3,192 |
| Credit loss provision to net charge-offs | 8,928.5714% | 120 |
| Earnings coverage of net charge-offs (x) | 260.5714% | 385 |
| Efficiency ratio | 80.9504% | 820 |
| Assets per employee ($millions) | 5.8860% | 2,450 |
| Cash dividends to net income (ytd only)* | 32.1212% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,796 |
| Loan loss allowance to noncurrent loans | 67.0246% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2243% | 695 |
| Noncurrent loans to loans | 1.8341% | 674 |
| Net loans and leases to total assets | 65.9308% | 2,101 |
| Net loans and leases to deposits | 72.7161% | 2,616 |
| Net loans and leases to core deposits | 75.1402% | 2,805 |
| Total domestic deposits to total assets | 90.6687% | 313 |
| Equity capital to assets | 8.9262% | 4,120 |
| Core capital (leverage) ratio | 8.5501% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7718% | 1,940 |
| Memoranda: | ||
| Average total assets | $444,708,600 | 1,721 |
| Average earning assets | $426,281,600 | 1,672 |
| Average equity | $38,885,800 | 2,061 |
| Average total loans | $305,391,000 | 1,664 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 3,375 |
| Cost of funding earning assets | 0.4359% | 3,606 |
| Net interest margin | 3.4274% | 2,824 |
| Noninterest income to average assets | 1.0804% | 893 |
| Noninterest expense to average assets | 3.5319% | 679 |
| Loan and lease loss provision to assets | 0.2663% | 1,527 |
| Net operating income to assets | 0.4629% | 4,135 |
| Return on assets (ROA) | 0.5092% | 4,097 |
| Pretax return on assets | 0.6227% | 4,068 |
| Return on Equity (ROE) | 5.8585% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.4136% | 3,351 |
| Net charge-offs to loans | -0.1537% | 4,891 |
| Credit loss provision to net charge-offs | -250.1449% | 3,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9258% | 806 |
| Assets per employee ($millions) | 5.6549% | 2,573 |
| Cash dividends to net income (ytd only)* | 41.7323% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,755 |
| Loan loss allowance to noncurrent loans | 62.4167% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 661 |
| Noncurrent loans to loans | 1.8984% | 668 |
| Net loans and leases to total assets | 71.5867% | 1,727 |
| Net loans and leases to deposits | 84.8344% | 1,826 |
| Net loans and leases to core deposits | 87.9278% | 2,153 |
| Total domestic deposits to total assets | 84.3841% | 2,682 |
| Equity capital to assets | 9.0045% | 4,119 |
| Core capital (leverage) ratio | 9.3353% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2972% | 2,066 |
| Memoranda: | ||
| Average total assets | $432,280,000 | 1,731 |
| Average earning assets | $414,176,000 | 1,694 |
| Average equity | $37,574,000 | 2,102 |
| Average total loans | $299,230,250 | 1,682 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 3,544 |
| Cost of funding earning assets | 0.4929% | 3,580 |
| Net interest margin | 3.4352% | 2,990 |
| Noninterest income to average assets | 0.9697% | 1,037 |
| Noninterest expense to average assets | 3.5378% | 713 |
| Loan and lease loss provision to assets | 0.1786% | 2,229 |
| Net operating income to assets | 0.4368% | 4,152 |
| Return on assets (ROA) | 0.5001% | 4,095 |
| Pretax return on assets | 0.6211% | 4,018 |
| Return on Equity (ROE) | 5.8316% | 3,571 |
| Retained earnings to average equity (ytd only) | 2.0049% | 3,751 |
| Net charge-offs to loans | -0.2367% | 4,957 |
| Credit loss provision to net charge-offs | -110.9467% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0594% | 694 |
| Assets per employee ($millions) | 4.8364% | 3,379 |
| Cash dividends to net income (ytd only)* | 65.6190% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,209 |
| Loan loss allowance to noncurrent loans | 58.8118% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2809% | 822 |
| Noncurrent loans to loans | 1.8263% | 765 |
| Net loans and leases to total assets | 69.3834% | 2,128 |
| Net loans and leases to deposits | 81.2972% | 2,281 |
| Net loans and leases to core deposits | 84.0689% | 2,597 |
| Total domestic deposits to total assets | 85.3454% | 2,257 |
| Equity capital to assets | 7.8058% | 4,804 |
| Core capital (leverage) ratio | 8.2329% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8175% | 2,682 |
| Memoranda: | ||
| Average total assets | $419,922,000 | 1,749 |
| Average earning assets | $402,132,667 | 1,707 |
| Average equity | $36,011,000 | 2,162 |
| Average total loans | $285,632,333 | 1,721 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 3,762 |
| Cost of funding earning assets | 0.6309% | 3,268 |
| Net interest margin | 3.3765% | 3,371 |
| Noninterest income to average assets | 0.8975% | 1,072 |
| Noninterest expense to average assets | 3.7721% | 646 |
| Loan and lease loss provision to assets | 0.1902% | 1,577 |
| Net operating income to assets | 0.1548% | 4,597 |
| Return on assets (ROA) | 0.1548% | 4,599 |
| Pretax return on assets | 0.1680% | 4,602 |
| Return on Equity (ROE) | 1.7139% | 4,508 |
| Retained earnings to average equity (ytd only) | -6.0044% | 4,590 |
| Net charge-offs to loans | -0.4622% | 5,017 |
| Credit loss provision to net charge-offs | -61.6393% | 3,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3278% | 451 |
| Assets per employee ($millions) | 3.9910% | 3,930 |
| Cash dividends to net income (ytd only)* | 450.3268% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,634 |
| Loan loss allowance to noncurrent loans | 56.0270% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 699 |
| Noncurrent loans to loans | 2.1533% | 627 |
| Net loans and leases to total assets | 69.3879% | 2,340 |
| Net loans and leases to deposits | 76.9752% | 2,984 |
| Net loans and leases to core deposits | 81.9502% | 3,025 |
| Total domestic deposits to total assets | 90.1431% | 284 |
| Equity capital to assets | 9.1720% | 4,488 |
| Core capital (leverage) ratio | 8.9297% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6578% | 2,859 |
| Memoranda: | ||
| Average total assets | $395,319,000 | 1,784 |
| Average earning assets | $378,501,000 | 1,747 |
| Average equity | $35,707,000 | 2,160 |
| Average total loans | $263,933,000 | 1,790 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 3,704 |
| Cost of funding earning assets | 0.4495% | 4,273 |
| Net interest margin | 3.7914% | 2,527 |
| Noninterest income to average assets | 1.5859% | 368 |
| Noninterest expense to average assets | 3.6697% | 790 |
| Loan and lease loss provision to assets | 0.1583% | 1,324 |
| Net operating income to assets | 1.0627% | 2,608 |
| Return on assets (ROA) | 1.0642% | 2,699 |
| Pretax return on assets | 1.3521% | 2,323 |
| Return on Equity (ROE) | 11.6853% | 1,627 |
| Retained earnings to average equity (ytd only) | 9.1245% | 680 |
| Net charge-offs to loans | -0.0008% | 4,166 |
| Credit loss provision to net charge-offs | -28,500.0000% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8686% | 2,038 |
| Assets per employee ($millions) | 4.0356% | 3,860 |
| Cash dividends to net income (ytd only)* | 21.9149% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 2,857 |
| Loan loss allowance to noncurrent loans | 43.6350% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.6182% | 596 |
| Noncurrent loans to loans | 2.5537% | 415 |
| Net loans and leases to total assets | 62.6609% | 3,342 |
| Net loans and leases to deposits | 69.2327% | 3,725 |
| Net loans and leases to core deposits | 73.3985% | 3,769 |
| Total domestic deposits to total assets | 90.5077% | 196 |
| Equity capital to assets | 8.8959% | 4,738 |
| Core capital (leverage) ratio | 9.3511% | 4,223 |
| Tier 1 risk-based capital ratio | 12.0922% | 4,311 |
| Total risk-based capital ratio | 13.0593% | 4,346 |
| Memoranda: | ||
| Average total assets | $360,169,600 | 1,875 |
| Average earning assets | $341,246,800 | 1,841 |
| Average equity | $32,801,800 | 2,253 |
| Average total loans | $239,830,600 | 1,889 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 3,601 |
| Cost of funding earning assets | 0.4268% | 4,410 |
| Net interest margin | 3.8910% | 2,287 |
| Noninterest income to average assets | 1.1018% | 755 |
| Noninterest expense to average assets | 3.7331% | 716 |
| Loan and lease loss provision to assets | 0.1625% | 1,150 |
| Net operating income to assets | 0.7126% | 3,971 |
| Return on assets (ROA) | 0.7147% | 4,036 |
| Pretax return on assets | 0.8833% | 3,933 |
| Return on Equity (ROE) | 7.7963% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.9318% | 2,923 |
| Net charge-offs to loans | -0.0045% | 4,180 |
| Credit loss provision to net charge-offs | -5,337.5000% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1594% | 1,086 |
| Assets per employee ($millions) | 3.7857% | 4,179 |
| Cash dividends to net income (ytd only)* | 36.7413% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 3,083 |
| Loan loss allowance to noncurrent loans | 437.2964% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,887 |
| Noncurrent loans to loans | 0.2492% | 3,648 |
| Net loans and leases to total assets | 68.4923% | 2,710 |
| Net loans and leases to deposits | 75.9855% | 3,292 |
| Net loans and leases to core deposits | 84.6510% | 3,032 |
| Total domestic deposits to total assets | 90.1387% | 251 |
| Equity capital to assets | 9.4586% | 4,490 |
| Core capital (leverage) ratio | 9.7194% | 3,946 |
| Tier 1 risk-based capital ratio | 12.0897% | 4,373 |
| Total risk-based capital ratio | 13.0602% | 4,402 |
| Memoranda: | ||
| Average total assets | $350,331,500 | 1,919 |
| Average earning assets | $330,843,500 | 1,894 |
| Average equity | $32,117,000 | 2,308 |
| Average total loans | $236,497,000 | 1,920 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 3,754 |
| Cost of funding earning assets | 0.3965% | 4,524 |
| Net interest margin | 3.8662% | 2,353 |
| Noninterest income to average assets | 1.1335% | 659 |
| Noninterest expense to average assets | 3.7487% | 705 |
| Loan and lease loss provision to assets | 0.1636% | 1,113 |
| Net operating income to assets | 0.7103% | 3,975 |
| Return on assets (ROA) | 0.7145% | 4,013 |
| Pretax return on assets | 0.8804% | 3,904 |
| Return on Equity (ROE) | 7.8790% | 3,336 |
| Retained earnings to average equity (ytd only) | 3.5123% | 3,488 |
| Net charge-offs to loans | 0.0009% | 3,153 |
| Credit loss provision to net charge-offs | 28,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 1,810.0000% | 34 |
| Efficiency ratio | 78.3026% | 1,110 |
| Assets per employee ($millions) | 3.7991% | 4,128 |
| Cash dividends to net income (ytd only)* | 55.4217% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 3,298 |
| Loan loss allowance to noncurrent loans | 397.4882% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 3,850 |
| Noncurrent loans to loans | 0.2660% | 3,579 |
| Net loans and leases to total assets | 67.7844% | 2,849 |
| Net loans and leases to deposits | 75.0014% | 3,426 |
| Net loans and leases to core deposits | 83.6982% | 3,133 |
| Total domestic deposits to total assets | 90.3775% | 218 |
| Equity capital to assets | 9.4105% | 4,490 |
| Core capital (leverage) ratio | 9.6525% | 3,977 |
| Tier 1 risk-based capital ratio | 12.0718% | 4,378 |
| Total risk-based capital ratio | 13.0032% | 4,442 |
| Memoranda: | ||
| Average total assets | $348,490,000 | 1,939 |
| Average earning assets | $329,364,330 | 1,912 |
| Average equity | $31,603,000 | 2,329 |
| Average total loans | $233,189,670 | 1,958 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,937 |
| Cost of funding earning assets | 0.3664% | 4,619 |
| Net interest margin | 3.8101% | 2,491 |
| Noninterest income to average assets | 1.0081% | 788 |
| Noninterest expense to average assets | 3.6692% | 783 |
| Loan and lease loss provision to assets | 0.1644% | 1,026 |
| Net operating income to assets | 0.6299% | 4,145 |
| Return on assets (ROA) | 0.6299% | 4,187 |
| Pretax return on assets | 0.7610% | 4,145 |
| Return on Equity (ROE) | 7.0803% | 3,643 |
| Retained earnings to average equity (ytd only) | -1.8347% | 4,732 |
| Net charge-offs to loans | 0.0139% | 2,208 |
| Credit loss provision to net charge-offs | 1,787.5000% | 237 |
| Earnings coverage of net charge-offs (x) | 100.6250% | 664 |
| Efficiency ratio | 79.8599% | 1,078 |
| Assets per employee ($millions) | 3.7220% | 4,317 |
| Cash dividends to net income (ytd only)* | 125.9124% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 3,613 |
| Loan loss allowance to noncurrent loans | 359.5777% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.1915% | 3,862 |
| Noncurrent loans to loans | 0.2817% | 3,552 |
| Net loans and leases to total assets | 67.2955% | 2,861 |
| Net loans and leases to deposits | 74.1238% | 3,439 |
| Net loans and leases to core deposits | 76.9884% | 3,598 |
| Total domestic deposits to total assets | 90.7880% | 213 |
| Equity capital to assets | 9.0488% | 4,645 |
| Core capital (leverage) ratio | 9.1876% | 4,486 |
| Tier 1 risk-based capital ratio | 11.9203% | 4,504 |
| Total risk-based capital ratio | 12.8051% | 4,600 |
| Memoranda: | ||
| Average total assets | $347,978,000 | 1,960 |
| Average earning assets | $327,551,500 | 1,931 |
| Average equity | $30,959,000 | 2,361 |
| Average total loans | $230,060,500 | 1,994 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 4,290 |
| Cost of funding earning assets | 0.2337% | 4,878 |
| Net interest margin | 3.6584% | 3,196 |
| Noninterest income to average assets | 0.7216% | 1,767 |
| Noninterest expense to average assets | 3.5778% | 897 |
| Loan and lease loss provision to assets | 0.0695% | 2,745 |
| Net operating income to assets | 0.4898% | 4,683 |
| Return on assets (ROA) | 0.5086% | 4,646 |
| Pretax return on assets | 0.5706% | 4,681 |
| Return on Equity (ROE) | 5.9038% | 4,205 |
| Retained earnings to average equity (ytd only) | 4.0872% | 3,308 |
| Net charge-offs to loans | -0.0020% | 4,232 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2507% | 567 |
| Assets per employee ($millions) | 3.8441% | 4,110 |
| Cash dividends to net income (ytd only)* | 30.7692% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,684 |
| Loan loss allowance to noncurrent loans | 325.0000% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,837 |
| Noncurrent loans to loans | 0.3078% | 3,447 |
| Net loans and leases to total assets | 63.6195% | 3,395 |
| Net loans and leases to deposits | 69.8676% | 3,838 |
| Net loans and leases to core deposits | 72.0817% | 3,985 |
| Total domestic deposits to total assets | 91.0572% | 192 |
| Equity capital to assets | 8.7464% | 4,768 |
| Core capital (leverage) ratio | 9.4105% | 4,224 |
| Tier 1 risk-based capital ratio | 12.4016% | 4,187 |
| Total risk-based capital ratio | 13.2664% | 4,310 |
| Memoranda: | ||
| Average total assets | $345,075,600 | 1,932 |
| Average earning assets | $327,796,800 | 1,902 |
| Average equity | $29,726,800 | 2,350 |
| Average total loans | $202,361,600 | 2,156 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7860% | 4,468 |
| Cost of funding earning assets | 0.2241% | 4,922 |
| Net interest margin | 3.5619% | 3,487 |
| Noninterest income to average assets | 0.6541% | 2,052 |
| Noninterest expense to average assets | 3.5185% | 963 |
| Loan and lease loss provision to assets | 0.0620% | 2,735 |
| Net operating income to assets | 0.4207% | 4,911 |
| Return on assets (ROA) | 0.4459% | 4,870 |
| Pretax return on assets | 0.5032% | 4,902 |
| Return on Equity (ROE) | 5.1960% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.7561% | 4,329 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7591% | 479 |
| Assets per employee ($millions) | 3.5607% | 4,480 |
| Cash dividends to net income (ytd only)* | 46.9562% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,863 |
| Loan loss allowance to noncurrent loans | 268.9441% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 3,738 |
| Noncurrent loans to loans | 0.3661% | 3,336 |
| Net loans and leases to total assets | 65.7404% | 3,208 |
| Net loans and leases to deposits | 72.2168% | 3,754 |
| Net loans and leases to core deposits | 74.6993% | 3,896 |
| Total domestic deposits to total assets | 91.0319% | 207 |
| Equity capital to assets | 8.8086% | 4,713 |
| Core capital (leverage) ratio | 9.5148% | 4,155 |
| Tier 1 risk-based capital ratio | 12.2733% | 4,339 |
| Total risk-based capital ratio | 13.1194% | 4,456 |
| Memoranda: | ||
| Average total assets | $343,891,750 | 1,948 |
| Average earning assets | $328,394,500 | 1,906 |
| Average equity | $29,509,500 | 2,367 |
| Average total loans | $196,752,750 | 2,206 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 4,595 |
| Cost of funding earning assets | 0.2119% | 4,966 |
| Net interest margin | 3.4847% | 3,689 |
| Noninterest income to average assets | 0.6273% | 2,195 |
| Noninterest expense to average assets | 3.4825% | 1,019 |
| Loan and lease loss provision to assets | 0.0460% | 2,984 |
| Net operating income to assets | 0.3895% | 4,978 |
| Return on assets (ROA) | 0.4412% | 4,877 |
| Pretax return on assets | 0.4912% | 4,920 |
| Return on Equity (ROE) | 5.1852% | 4,498 |
| Retained earnings to average equity (ytd only) | 1.5393% | 4,626 |
| Net charge-offs to loans | -0.0042% | 4,063 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8933% | 476 |
| Assets per employee ($millions) | 3.8552% | 4,126 |
| Cash dividends to net income (ytd only)* | 70.3125% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,897 |
| Loan loss allowance to noncurrent loans | 260.1494% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 3,824 |
| Noncurrent loans to loans | 0.3814% | 3,329 |
| Net loans and leases to total assets | 61.4489% | 3,661 |
| Net loans and leases to deposits | 67.3280% | 4,068 |
| Net loans and leases to core deposits | 69.6925% | 4,163 |
| Total domestic deposits to total assets | 91.2680% | 191 |
| Equity capital to assets | 8.6203% | 4,861 |
| Core capital (leverage) ratio | 9.3775% | 4,270 |
| Tier 1 risk-based capital ratio | 12.9065% | 3,947 |
| Total risk-based capital ratio | 13.7752% | 4,067 |
| Memoranda: | ||
| Average total assets | $348,141,670 | 1,946 |
| Average earning assets | $333,170,670 | 1,896 |
| Average equity | $29,623,000 | 2,377 |
| Average total loans | $189,050,670 | 2,273 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,749 |
| Cost of funding earning assets | 0.1962% | 5,039 |
| Net interest margin | 3.3835% | 3,937 |
| Noninterest income to average assets | 0.5820% | 2,351 |
| Noninterest expense to average assets | 3.5736% | 895 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2437% | 5,192 |
| Return on assets (ROA) | 0.3199% | 5,070 |
| Pretax return on assets | 0.3347% | 5,115 |
| Return on Equity (ROE) | 3.7837% | 4,825 |
| Retained earnings to average equity (ytd only) | -3.4617% | 5,112 |
| Net charge-offs to loans | -0.0337% | 4,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 321 |
| Assets per employee ($millions) | 4.4890% | 3,181 |
| Cash dividends to net income (ytd only)* | 191.4894% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,515 |
| Loan loss allowance to noncurrent loans | 264.2670% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.2182% | 4,004 |
| Noncurrent loans to loans | 0.4076% | 3,324 |
| Net loans and leases to total assets | 52.9564% | 4,372 |
| Net loans and leases to deposits | 57.7892% | 4,597 |
| Net loans and leases to core deposits | 59.8856% | 4,661 |
| Total domestic deposits to total assets | 91.6371% | 164 |
| Equity capital to assets | 8.2987% | 5,108 |
| Core capital (leverage) ratio | 8.7504% | 4,949 |
| Tier 1 risk-based capital ratio | 13.5130% | 3,646 |
| Total risk-based capital ratio | 14.4061% | 3,778 |
| Memoranda: | ||
| Average total assets | $352,584,500 | 1,938 |
| Average earning assets | $338,351,000 | 1,881 |
| Average equity | $29,812,000 | 2,381 |
| Average total loans | $178,297,000 | 2,378 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2793% | 5,106 |
| Cost of funding earning assets | 0.2106% | 4,863 |
| Net interest margin | 3.0687% | 4,747 |
| Noninterest income to average assets | 0.5158% | 2,909 |
| Noninterest expense to average assets | 2.8171% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5691% | 4,148 |
| Return on assets (ROA) | 0.5720% | 4,171 |
| Pretax return on assets | 0.6593% | 4,606 |
| Return on Equity (ROE) | 6.4315% | 3,565 |
| Retained earnings to average equity (ytd only) | 4.6273% | 2,374 |
| Net charge-offs to loans | 0.0118% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 122.6667% | 550 |
| Efficiency ratio | 81.1104% | 1,005 |
| Assets per employee ($millions) | 4.2774% | 3,526 |
| Cash dividends to net income (ytd only)* | 28.0519% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,862 |
| Loan loss allowance to noncurrent loans | 2,155.9140% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 5,023 |
| Noncurrent loans to loans | 0.0550% | 4,750 |
| Net loans and leases to total assets | 47.0802% | 4,824 |
| Net loans and leases to deposits | 51.5650% | 5,006 |
| Net loans and leases to core deposits | 53.4118% | 5,022 |
| Total domestic deposits to total assets | 91.3027% | 176 |
| Equity capital to assets | 8.6097% | 5,029 |
| Core capital (leverage) ratio | 9.0003% | 4,654 |
| Tier 1 risk-based capital ratio | 15.5794% | 2,592 |
| Total risk-based capital ratio | 16.5859% | 2,628 |
| Memoranda: | ||
| Average total assets | $336,552,600 | 1,974 |
| Average earning assets | $324,342,200 | 1,919 |
| Average equity | $29,931,000 | 2,359 |
| Average total loans | $151,915,400 | 2,636 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 5,162 |
| Cost of funding earning assets | 0.2123% | 4,872 |
| Net interest margin | 3.0451% | 4,823 |
| Noninterest income to average assets | 0.5258% | 2,861 |
| Noninterest expense to average assets | 2.7680% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5454% | 4,593 |
| Return on assets (ROA) | 0.5483% | 4,613 |
| Pretax return on assets | 0.6945% | 4,619 |
| Return on Equity (ROE) | 6.1130% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.6946% | 3,729 |
| Net charge-offs to loans | 0.0226% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 68.8053% | 905 |
| Efficiency ratio | 80.0255% | 1,099 |
| Assets per employee ($millions) | 4.8610% | 2,618 |
| Cash dividends to net income (ytd only)* | 39.5604% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,298 |
| Loan loss allowance to noncurrent loans | 250.8794% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 4,093 |
| Noncurrent loans to loans | 0.5230% | 3,132 |
| Net loans and leases to total assets | 45.4420% | 4,965 |
| Net loans and leases to deposits | 50.1995% | 5,121 |
| Net loans and leases to core deposits | 52.2050% | 5,134 |
| Total domestic deposits to total assets | 90.5227% | 317 |
| Equity capital to assets | 9.2997% | 4,648 |
| Core capital (leverage) ratio | 9.3565% | 4,341 |
| Tier 1 risk-based capital ratio | 15.9329% | 2,536 |
| Total risk-based capital ratio | 16.9799% | 2,551 |
| Memoranda: | ||
| Average total assets | $331,933,750 | 2,007 |
| Average earning assets | $319,721,500 | 1,950 |
| Average equity | $29,772,000 | 2,385 |
| Average total loans | $147,606,000 | 2,696 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2158% | 5,219 |
| Cost of funding earning assets | 0.2112% | 4,882 |
| Net interest margin | 3.0046% | 4,904 |
| Noninterest income to average assets | 0.5421% | 2,758 |
| Noninterest expense to average assets | 2.6667% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5991% | 4,309 |
| Return on assets (ROA) | 0.6023% | 4,342 |
| Pretax return on assets | 0.7816% | 4,337 |
| Return on Equity (ROE) | 6.7981% | 3,662 |
| Retained earnings to average equity (ytd only) | 3.1308% | 3,845 |
| Net charge-offs to loans | 0.0356% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 49.6923% | 1,083 |
| Efficiency ratio | 77.4284% | 1,538 |
| Assets per employee ($millions) | 4.8671% | 2,563 |
| Cash dividends to net income (ytd only)* | 53.9461% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 2,059 |
| Loan loss allowance to noncurrent loans | 243.8339% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 4,141 |
| Noncurrent loans to loans | 0.5645% | 3,047 |
| Net loans and leases to total assets | 43.2307% | 5,083 |
| Net loans and leases to deposits | 47.7240% | 5,222 |
| Net loans and leases to core deposits | 49.6227% | 5,241 |
| Total domestic deposits to total assets | 90.5848% | 329 |
| Equity capital to assets | 9.2285% | 4,695 |
| Core capital (leverage) ratio | 9.1054% | 4,610 |
| Tier 1 risk-based capital ratio | 16.3713% | 2,372 |
| Total risk-based capital ratio | 17.4602% | 2,367 |
| Memoranda: | ||
| Average total assets | $332,395,330 | 2,011 |
| Average earning assets | $321,041,000 | 1,949 |
| Average equity | $29,449,330 | 2,410 |
| Average total loans | $146,073,000 | 2,714 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1622% | 5,293 |
| Cost of funding earning assets | 0.2084% | 4,899 |
| Net interest margin | 2.9537% | 4,988 |
| Noninterest income to average assets | 0.6196% | 2,322 |
| Noninterest expense to average assets | 2.6201% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6469% | 3,943 |
| Return on assets (ROA) | 0.6532% | 3,957 |
| Pretax return on assets | 0.8670% | 3,878 |
| Return on Equity (ROE) | 7.5288% | 3,156 |
| Retained earnings to average equity (ytd only) | 0.0554% | 4,898 |
| Net charge-offs to loans | 0.0491% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 39.7222% | 1,042 |
| Efficiency ratio | 75.3193% | 2,016 |
| Assets per employee ($millions) | 4.5948% | 3,013 |
| Cash dividends to net income (ytd only)* | 99.2647% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,218 |
| Loan loss allowance to noncurrent loans | 236.7178% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 4,184 |
| Noncurrent loans to loans | 0.5781% | 3,074 |
| Net loans and leases to total assets | 43.6838% | 5,054 |
| Net loans and leases to deposits | 47.9611% | 5,224 |
| Net loans and leases to core deposits | 50.1057% | 5,221 |
| Total domestic deposits to total assets | 91.0817% | 277 |
| Equity capital to assets | 8.8334% | 4,966 |
| Core capital (leverage) ratio | 9.0722% | 4,657 |
| Tier 1 risk-based capital ratio | 16.0519% | 2,527 |
| Total risk-based capital ratio | 17.1476% | 2,541 |
| Memoranda: | ||
| Average total assets | $333,111,000 | 2,028 |
| Average earning assets | $322,438,000 | 1,955 |
| Average equity | $28,902,500 | 2,450 |
| Average total loans | $146,572,000 | 2,738 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,680 |
| Cost of funding earning assets | 0.2279% | 4,758 |
| Net interest margin | 3.3068% | 4,123 |
| Noninterest income to average assets | 0.5708% | 2,812 |
| Noninterest expense to average assets | 2.6083% | 3,650 |
| Loan and lease loss provision to assets | 0.0536% | 3,311 |
| Net operating income to assets | 0.7905% | 3,347 |
| Return on assets (ROA) | 0.7998% | 3,407 |
| Pretax return on assets | 1.1073% | 3,070 |
| Return on Equity (ROE) | 8.5951% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.2757% | 1,125 |
| Net charge-offs to loans | -0.0202% | 5,128 |
| Credit loss provision to net charge-offs | -582.7586% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4400% | 3,002 |
| Assets per employee ($millions) | 4.5945% | 2,971 |
| Cash dividends to net income (ytd only)* | 15.3511% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,169 |
| Loan loss allowance to noncurrent loans | 231.9954% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,202 |
| Noncurrent loans to loans | 0.5947% | 3,069 |
| Net loans and leases to total assets | 43.1128% | 5,168 |
| Net loans and leases to deposits | 47.1595% | 5,330 |
| Net loans and leases to core deposits | 47.6968% | 5,382 |
| Total domestic deposits to total assets | 91.4191% | 178 |
| Equity capital to assets | 8.5218% | 5,257 |
| Core capital (leverage) ratio | 8.8742% | 4,883 |
| Tier 1 risk-based capital ratio | 15.8775% | 2,599 |
| Total risk-based capital ratio | 16.9735% | 2,586 |
| Memoranda: | ||
| Average total assets | $315,190,200 | 2,095 |
| Average earning assets | $303,615,800 | 2,020 |
| Average equity | $29,330,600 | 2,420 |
| Average total loans | $143,585,400 | 2,734 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 4,327 |
| Cost of funding earning assets | 0.2299% | 4,788 |
| Net interest margin | 3.4465% | 3,684 |
| Noninterest income to average assets | 0.5933% | 2,696 |
| Noninterest expense to average assets | 2.6878% | 3,382 |
| Loan and lease loss provision to assets | 0.0727% | 2,759 |
| Net operating income to assets | 0.8528% | 3,134 |
| Return on assets (ROA) | 0.8645% | 3,205 |
| Pretax return on assets | 1.1676% | 2,979 |
| Return on Equity (ROE) | 9.0836% | 2,452 |
| Retained earnings to average equity (ytd only) | 7.3355% | 1,466 |
| Net charge-offs to loans | -0.0215% | 5,031 |
| Credit loss provision to net charge-offs | -734.7826% | 5,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7033% | 3,098 |
| Assets per employee ($millions) | 4.6113% | 2,907 |
| Cash dividends to net income (ytd only)* | 19.2442% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3945% | 2,224 |
| Loan loss allowance to noncurrent loans | 236.4596% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,326 |
| Noncurrent loans to loans | 0.5897% | 3,239 |
| Net loans and leases to total assets | 44.1834% | 5,178 |
| Net loans and leases to deposits | 49.0408% | 5,344 |
| Net loans and leases to core deposits | 49.7391% | 5,397 |
| Total domestic deposits to total assets | 90.0952% | 449 |
| Equity capital to assets | 9.5346% | 4,625 |
| Core capital (leverage) ratio | 9.0023% | 4,829 |
| Tier 1 risk-based capital ratio | 16.7897% | 2,305 |
| Total risk-based capital ratio | 17.9830% | 2,273 |
| Memoranda: | ||
| Average total assets | $310,138,500 | 2,116 |
| Average earning assets | $298,649,500 | 2,052 |
| Average equity | $29,517,750 | 2,401 |
| Average total loans | $142,826,250 | 2,740 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 3,546 |
| Cost of funding earning assets | 0.2329% | 4,821 |
| Net interest margin | 3.6852% | 2,752 |
| Noninterest income to average assets | 0.6093% | 2,572 |
| Noninterest expense to average assets | 2.7027% | 3,392 |
| Loan and lease loss provision to assets | 0.0739% | 2,664 |
| Net operating income to assets | 1.0368% | 2,228 |
| Return on assets (ROA) | 1.0552% | 2,271 |
| Pretax return on assets | 1.3951% | 2,050 |
| Return on Equity (ROE) | 11.0935% | 1,603 |
| Retained earnings to average equity (ytd only) | 8.4336% | 1,032 |
| Net charge-offs to loans | 0.0253% | 2,973 |
| Credit loss provision to net charge-offs | 627.7778% | 542 |
| Earnings coverage of net charge-offs (x) | 122.7778% | 480 |
| Efficiency ratio | 65.1639% | 3,817 |
| Assets per employee ($millions) | 4.4259% | 3,171 |
| Cash dividends to net income (ytd only)* | 23.9777% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,633 |
| Loan loss allowance to noncurrent loans | 231.8841% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,396 |
| Noncurrent loans to loans | 0.5728% | 3,350 |
| Net loans and leases to total assets | 45.3929% | 5,164 |
| Net loans and leases to deposits | 50.4160% | 5,315 |
| Net loans and leases to core deposits | 51.2975% | 5,389 |
| Total domestic deposits to total assets | 90.0366% | 475 |
| Equity capital to assets | 9.6359% | 4,628 |
| Core capital (leverage) ratio | 9.0042% | 4,822 |
| Tier 1 risk-based capital ratio | 16.3096% | 2,495 |
| Total risk-based capital ratio | 17.4286% | 2,506 |
| Memoranda: | ||
| Average total assets | $305,920,330 | 2,143 |
| Average earning assets | $293,716,330 | 2,095 |
| Average equity | $29,098,000 | 2,445 |
| Average total loans | $142,222,330 | 2,749 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,710 |
| Cost of funding earning assets | 0.2372% | 4,834 |
| Net interest margin | 3.3319% | 4,103 |
| Noninterest income to average assets | 0.6760% | 2,148 |
| Noninterest expense to average assets | 2.6988% | 3,422 |
| Loan and lease loss provision to assets | 0.0742% | 2,477 |
| Net operating income to assets | 0.7914% | 3,291 |
| Return on assets (ROA) | 0.7914% | 3,395 |
| Pretax return on assets | 1.0870% | 3,141 |
| Return on Equity (ROE) | 8.3769% | 2,718 |
| Retained earnings to average equity (ytd only) | 2.9326% | 4,049 |
| Net charge-offs to loans | 0.0709% | 1,771 |
| Credit loss provision to net charge-offs | 224.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 35.0400% | 1,091 |
| Efficiency ratio | 69.9176% | 3,150 |
| Assets per employee ($millions) | 4.2352% | 3,526 |
| Cash dividends to net income (ytd only)* | 64.9916% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,848 |
| Loan loss allowance to noncurrent loans | 221.2157% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 4,415 |
| Noncurrent loans to loans | 0.5925% | 3,417 |
| Net loans and leases to total assets | 45.8253% | 5,128 |
| Net loans and leases to deposits | 50.7106% | 5,304 |
| Net loans and leases to core deposits | 51.5894% | 5,372 |
| Total domestic deposits to total assets | 90.3664% | 477 |
| Equity capital to assets | 9.4428% | 4,725 |
| Core capital (leverage) ratio | 9.0522% | 4,793 |
| Tier 1 risk-based capital ratio | 15.9376% | 2,713 |
| Total risk-based capital ratio | 17.0352% | 2,723 |
| Memoranda: | ||
| Average total assets | $301,760,000 | 2,174 |
| Average earning assets | $288,367,000 | 2,134 |
| Average equity | $28,507,000 | 2,480 |
| Average total loans | $141,052,000 | 2,762 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4749% | 4,994 |
| Cost of funding earning assets | 0.2826% | 4,450 |
| Net interest margin | 3.1923% | 4,652 |
| Noninterest income to average assets | 0.6378% | 2,524 |
| Noninterest expense to average assets | 2.7579% | 3,390 |
| Loan and lease loss provision to assets | 0.0772% | 2,733 |
| Net operating income to assets | 0.6494% | 4,037 |
| Return on assets (ROA) | 0.6697% | 4,042 |
| Pretax return on assets | 0.8970% | 3,849 |
| Return on Equity (ROE) | 7.1521% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.3273% | 1,644 |
| Net charge-offs to loans | -0.0604% | 5,615 |
| Credit loss provision to net charge-offs | -267.8571% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4371% | 2,508 |
| Assets per employee ($millions) | 4.1471% | 3,663 |
| Cash dividends to net income (ytd only)* | 11.5325% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,910 |
| Loan loss allowance to noncurrent loans | 196.4478% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 4,354 |
| Noncurrent loans to loans | 0.6612% | 3,207 |
| Net loans and leases to total assets | 46.4476% | 5,124 |
| Net loans and leases to deposits | 51.4217% | 5,316 |
| Net loans and leases to core deposits | 51.7868% | 5,419 |
| Total domestic deposits to total assets | 90.3268% | 492 |
| Equity capital to assets | 9.4512% | 4,608 |
| Core capital (leverage) ratio | 8.9687% | 4,918 |
| Tier 1 risk-based capital ratio | 16.3553% | 2,546 |
| Total risk-based capital ratio | 17.4710% | 2,556 |
| Memoranda: | ||
| Average total assets | $291,308,400 | 2,202 |
| Average earning assets | $279,896,400 | 2,140 |
| Average equity | $27,278,600 | 2,520 |
| Average total loans | $139,165,800 | 2,731 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4840% | 5,016 |
| Cost of funding earning assets | 0.2933% | 4,416 |
| Net interest margin | 3.1907% | 4,700 |
| Noninterest income to average assets | 0.6540% | 2,458 |
| Noninterest expense to average assets | 2.8109% | 3,147 |
| Loan and lease loss provision to assets | 0.0778% | 2,624 |
| Net operating income to assets | 0.6095% | 4,338 |
| Return on assets (ROA) | 0.6360% | 4,317 |
| Pretax return on assets | 0.8682% | 4,098 |
| Return on Equity (ROE) | 6.8087% | 3,723 |
| Retained earnings to average equity (ytd only) | 5.6994% | 2,440 |
| Net charge-offs to loans | -0.0807% | 5,713 |
| Credit loss provision to net charge-offs | -201.1905% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5509% | 2,308 |
| Assets per employee ($millions) | 4.0332% | 3,826 |
| Cash dividends to net income (ytd only)* | 16.2924% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 3,175 |
| Loan loss allowance to noncurrent loans | 46.4792% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3106% | 1,782 |
| Noncurrent loans to loans | 2.7655% | 683 |
| Net loans and leases to total assets | 46.7828% | 5,171 |
| Net loans and leases to deposits | 51.9111% | 5,374 |
| Net loans and leases to core deposits | 54.1016% | 5,397 |
| Total domestic deposits to total assets | 90.1210% | 528 |
| Equity capital to assets | 9.5657% | 4,674 |
| Core capital (leverage) ratio | 8.9143% | 5,098 |
| Tier 1 risk-based capital ratio | 15.8183% | 2,887 |
| Total risk-based capital ratio | 16.9136% | 2,902 |
| Memoranda: | ||
| Average total assets | $289,488,500 | 2,228 |
| Average earning assets | $278,214,500 | 2,160 |
| Average equity | $27,043,250 | 2,557 |
| Average total loans | $138,829,250 | 2,756 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4377% | 5,141 |
| Cost of funding earning assets | 0.3009% | 4,389 |
| Net interest margin | 3.1368% | 4,864 |
| Noninterest income to average assets | 0.6466% | 2,491 |
| Noninterest expense to average assets | 2.7650% | 3,363 |
| Loan and lease loss provision to assets | 0.0782% | 2,560 |
| Net operating income to assets | 0.6005% | 4,343 |
| Return on assets (ROA) | 0.6404% | 4,277 |
| Pretax return on assets | 0.8790% | 4,035 |
| Return on Equity (ROE) | 6.9109% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.2317% | 2,715 |
| Net charge-offs to loans | -0.0891% | 5,744 |
| Credit loss provision to net charge-offs | -182.2581% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3913% | 2,475 |
| Assets per employee ($millions) | 4.0912% | 3,700 |
| Cash dividends to net income (ytd only)* | 24.2981% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 3,971 |
| Loan loss allowance to noncurrent loans | 43.6951% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 1.4058% | 1,784 |
| Noncurrent loans to loans | 2.6806% | 809 |
| Net loans and leases to total assets | 48.4369% | 5,058 |
| Net loans and leases to deposits | 53.3479% | 5,292 |
| Net loans and leases to core deposits | 55.6108% | 5,333 |
| Total domestic deposits to total assets | 90.7943% | 359 |
| Equity capital to assets | 9.0502% | 5,187 |
| Core capital (leverage) ratio | 8.6325% | 5,393 |
| Tier 1 risk-based capital ratio | 14.7990% | 3,471 |
| Total risk-based capital ratio | 15.7963% | 3,536 |
| Memoranda: | ||
| Average total assets | $289,187,000 | 2,244 |
| Average earning assets | $278,497,330 | 2,173 |
| Average equity | $26,798,330 | 2,581 |
| Average total loans | $139,231,330 | 2,756 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4043% | 5,194 |
| Cost of funding earning assets | 0.3159% | 4,266 |
| Net interest margin | 3.0884% | 4,984 |
| Noninterest income to average assets | 0.6157% | 2,570 |
| Noninterest expense to average assets | 2.7114% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6108% | 4,239 |
| Return on assets (ROA) | 0.6869% | 3,991 |
| Pretax return on assets | 0.9899% | 3,545 |
| Return on Equity (ROE) | 7.3247% | 3,316 |
| Retained earnings to average equity (ytd only) | 3.9750% | 3,615 |
| Net charge-offs to loans | -0.3512% | 6,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5054% | 2,584 |
| Assets per employee ($millions) | 3.9765% | 4,012 |
| Cash dividends to net income (ytd only)* | 45.7317% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,232 |
| Loan loss allowance to noncurrent loans | 39.4407% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.5812% | 1,631 |
| Noncurrent loans to loans | 2.9304% | 761 |
| Net loans and leases to total assets | 48.1994% | 5,008 |
| Net loans and leases to deposits | 53.3784% | 5,243 |
| Net loans and leases to core deposits | 55.7381% | 5,268 |
| Total domestic deposits to total assets | 90.2975% | 607 |
| Equity capital to assets | 9.3553% | 4,904 |
| Core capital (leverage) ratio | 8.7797% | 5,229 |
| Tier 1 risk-based capital ratio | 14.9758% | 3,449 |
| Total risk-based capital ratio | 15.9694% | 3,521 |
| Memoranda: | ||
| Average total assets | $286,496,000 | 2,277 |
| Average earning assets | $276,004,000 | 2,202 |
| Average equity | $26,868,000 | 2,596 |
| Average total loans | $136,661,500 | 2,794 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 5,308 |
| Cost of funding earning assets | 0.3669% | 4,066 |
| Net interest margin | 3.1360% | 5,109 |
| Noninterest income to average assets | 0.5949% | 2,887 |
| Noninterest expense to average assets | 2.7547% | 3,658 |
| Loan and lease loss provision to assets | 0.0722% | 3,039 |
| Net operating income to assets | 0.5449% | 4,616 |
| Return on assets (ROA) | 0.5639% | 4,631 |
| Pretax return on assets | 0.7893% | 4,299 |
| Return on Equity (ROE) | 6.3227% | 3,992 |
| Retained earnings to average equity (ytd only) | 6.3227% | 1,745 |
| Net charge-offs to loans | 0.2855% | 1,521 |
| Credit loss provision to net charge-offs | 54.3478% | 3,393 |
| Earnings coverage of net charge-offs (x) | 6.2799% | 3,232 |
| Efficiency ratio | 76.7435% | 2,402 |
| Assets per employee ($millions) | 4.0387% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 4,283 |
| Loan loss allowance to noncurrent loans | 34.9712% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 1.6943% | 1,577 |
| Noncurrent loans to loans | 3.2898% | 649 |
| Net loans and leases to total assets | 46.0744% | 5,319 |
| Net loans and leases to deposits | 51.0196% | 5,530 |
| Net loans and leases to core deposits | 52.2609% | 5,600 |
| Total domestic deposits to total assets | 90.3072% | 611 |
| Equity capital to assets | 9.4016% | 4,841 |
| Core capital (leverage) ratio | 9.0814% | 4,850 |
| Tier 1 risk-based capital ratio | 16.7874% | 2,602 |
| Total risk-based capital ratio | 17.7853% | 2,644 |
| Memoranda: | ||
| Average total assets | $276,840,200 | 2,305 |
| Average earning assets | $264,350,200 | 2,238 |
| Average equity | $24,688,800 | 2,697 |
| Average total loans | $128,883,800 | 2,889 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5118% | 5,370 |
| Cost of funding earning assets | 0.3715% | 4,113 |
| Net interest margin | 3.1403% | 5,146 |
| Noninterest income to average assets | 0.6159% | 2,770 |
| Noninterest expense to average assets | 2.7671% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5895% | 4,483 |
| Return on assets (ROA) | 0.6072% | 4,501 |
| Pretax return on assets | 0.8657% | 4,120 |
| Return on Equity (ROE) | 6.9043% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.9043% | 1,866 |
| Net charge-offs to loans | 0.0322% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 56.0031% | 909 |
| Efficiency ratio | 76.7011% | 2,384 |
| Assets per employee ($millions) | 3.7044% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 3,740 |
| Loan loss allowance to noncurrent loans | 34.7927% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 1.9791% | 1,459 |
| Noncurrent loans to loans | 3.6852% | 622 |
| Net loans and leases to total assets | 47.0624% | 5,287 |
| Net loans and leases to deposits | 52.0728% | 5,524 |
| Net loans and leases to core deposits | 53.4650% | 5,597 |
| Total domestic deposits to total assets | 90.3781% | 583 |
| Equity capital to assets | 9.4478% | 4,865 |
| Core capital (leverage) ratio | 9.3560% | 4,562 |
| Tier 1 risk-based capital ratio | 16.6241% | 2,758 |
| Total risk-based capital ratio | 17.7190% | 2,778 |
| Memoranda: | ||
| Average total assets | $275,373,750 | 2,331 |
| Average earning assets | $262,349,250 | 2,272 |
| Average equity | $24,216,250 | 2,744 |
| Average total loans | $128,162,000 | 2,911 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 5,477 |
| Cost of funding earning assets | 0.3727% | 4,176 |
| Net interest margin | 3.0977% | 5,261 |
| Noninterest income to average assets | 0.6353% | 2,634 |
| Noninterest expense to average assets | 2.7196% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5960% | 4,372 |
| Return on assets (ROA) | 0.6194% | 4,352 |
| Pretax return on assets | 0.8960% | 3,901 |
| Return on Equity (ROE) | 7.2186% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.2186% | 1,659 |
| Net charge-offs to loans | 0.0485% | 3,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 38.5161% | 1,086 |
| Efficiency ratio | 75.9323% | 2,651 |
| Assets per employee ($millions) | 3.7120% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 3,996 |
| Loan loss allowance to noncurrent loans | 34.3302% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 2.2673% | 1,328 |
| Noncurrent loans to loans | 3.7141% | 680 |
| Net loans and leases to total assets | 46.5945% | 5,305 |
| Net loans and leases to deposits | 51.3400% | 5,537 |
| Net loans and leases to core deposits | 53.4352% | 5,586 |
| Total domestic deposits to total assets | 90.7568% | 486 |
| Equity capital to assets | 9.1184% | 5,186 |
| Core capital (leverage) ratio | 8.9709% | 5,061 |
| Tier 1 risk-based capital ratio | 16.3279% | 2,917 |
| Total risk-based capital ratio | 17.4349% | 2,940 |
| Memoranda: | ||
| Average total assets | $277,023,670 | 2,319 |
| Average earning assets | $263,484,670 | 2,257 |
| Average equity | $23,772,000 | 2,770 |
| Average total loans | $127,909,000 | 2,905 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 5,553 |
| Cost of funding earning assets | 0.3757% | 4,244 |
| Net interest margin | 3.0660% | 5,348 |
| Noninterest income to average assets | 0.8311% | 1,636 |
| Noninterest expense to average assets | 2.8527% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6075% | 4,164 |
| Return on assets (ROA) | 0.6456% | 4,062 |
| Pretax return on assets | 0.9447% | 3,540 |
| Return on Equity (ROE) | 7.7633% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.7633% | 1,698 |
| Net charge-offs to loans | 0.1008% | 2,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.3125% | 1,381 |
| Efficiency ratio | 76.2490% | 2,759 |
| Assets per employee ($millions) | 3.5875% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,004 |
| Loan loss allowance to noncurrent loans | 32.3288% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 2.4273% | 1,326 |
| Noncurrent loans to loans | 4.0879% | 647 |
| Net loans and leases to total assets | 44.6546% | 5,454 |
| Net loans and leases to deposits | 48.9160% | 5,675 |
| Net loans and leases to core deposits | 50.9340% | 5,693 |
| Total domestic deposits to total assets | 91.2882% | 454 |
| Equity capital to assets | 8.5698% | 5,578 |
| Core capital (leverage) ratio | 9.0181% | 4,982 |
| Tier 1 risk-based capital ratio | 16.5328% | 2,885 |
| Total risk-based capital ratio | 17.6790% | 2,902 |
| Memoranda: | ||
| Average total assets | $278,192,000 | 2,312 |
| Average earning assets | $264,059,500 | 2,257 |
| Average equity | $23,134,500 | 2,829 |
| Average total loans | $127,042,500 | 2,923 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 5,199 |
| Cost of funding earning assets | 0.4496% | 4,120 |
| Net interest margin | 3.2288% | 4,897 |
| Noninterest income to average assets | 0.4171% | 4,319 |
| Noninterest expense to average assets | 3.0465% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2919% | 5,552 |
| Return on assets (ROA) | 0.3324% | 5,508 |
| Pretax return on assets | 0.4476% | 5,368 |
| Return on Equity (ROE) | 3.8606% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.8606% | 3,454 |
| Net charge-offs to loans | 0.4057% | 1,659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.9544% | 4,396 |
| Efficiency ratio | 88.5760% | 1,157 |
| Assets per employee ($millions) | 3.8376% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,120 |
| Loan loss allowance to noncurrent loans | 27.1788% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 3.0027% | 1,052 |
| Noncurrent loans to loans | 4.8001% | 542 |
| Net loans and leases to total assets | 45.4749% | 5,536 |
| Net loans and leases to deposits | 49.5327% | 5,799 |
| Net loans and leases to core deposits | 51.4665% | 5,839 |
| Total domestic deposits to total assets | 91.8079% | 327 |
| Equity capital to assets | 8.0657% | 5,968 |
| Core capital (leverage) ratio | 8.3157% | 5,856 |
| Tier 1 risk-based capital ratio | 15.5075% | 3,370 |
| Total risk-based capital ratio | 16.6345% | 3,389 |
| Memoranda: | ||
| Average total assets | $272,572,400 | 2,327 |
| Average earning assets | $255,138,800 | 2,286 |
| Average equity | $23,467,800 | 2,775 |
| Average total loans | $135,067,000 | 2,773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 5,128 |
| Cost of funding earning assets | 0.4671% | 4,091 |
| Net interest margin | 3.2457% | 4,844 |
| Noninterest income to average assets | 0.4630% | 4,054 |
| Noninterest expense to average assets | 3.1274% | 2,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2723% | 5,702 |
| Return on assets (ROA) | 0.3266% | 5,636 |
| Pretax return on assets | 0.4384% | 5,530 |
| Return on Equity (ROE) | 3.7321% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.7321% | 4,040 |
| Net charge-offs to loans | 0.2109% | 2,562 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.4306% | 3,703 |
| Efficiency ratio | 89.5487% | 1,035 |
| Assets per employee ($millions) | 3.6868% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 3,410 |
| Loan loss allowance to noncurrent loans | 30.1435% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 3.6839% | 892 |
| Noncurrent loans to loans | 5.0128% | 597 |
| Net loans and leases to total assets | 49.5012% | 5,193 |
| Net loans and leases to deposits | 54.2074% | 5,519 |
| Net loans and leases to core deposits | 56.5776% | 5,570 |
| Total domestic deposits to total assets | 91.3182% | 413 |
| Equity capital to assets | 8.5051% | 5,734 |
| Core capital (leverage) ratio | 8.5149% | 5,753 |
| Tier 1 risk-based capital ratio | 14.8484% | 3,844 |
| Total risk-based capital ratio | 16.0991% | 3,805 |
| Memoranda: | ||
| Average total assets | $270,678,500 | 2,353 |
| Average earning assets | $252,638,250 | 2,314 |
| Average equity | $23,685,750 | 2,788 |
| Average total loans | $136,563,500 | 2,766 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 5,006 |
| Cost of funding earning assets | 0.4792% | 4,109 |
| Net interest margin | 3.2654% | 4,708 |
| Noninterest income to average assets | 0.3722% | 4,734 |
| Noninterest expense to average assets | 3.2369% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1509% | 6,023 |
| Return on assets (ROA) | 0.2173% | 5,978 |
| Pretax return on assets | 0.2702% | 5,952 |
| Return on Equity (ROE) | 2.4610% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.4610% | 4,737 |
| Net charge-offs to loans | 0.1584% | 2,834 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.3394% | 3,738 |
| Efficiency ratio | 94.5326% | 738 |
| Assets per employee ($millions) | 3.7261% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 3,248 |
| Loan loss allowance to noncurrent loans | 29.8972% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 3.8223% | 949 |
| Noncurrent loans to loans | 5.2649% | 590 |
| Net loans and leases to total assets | 48.8046% | 5,246 |
| Net loans and leases to deposits | 53.4177% | 5,566 |
| Net loans and leases to core deposits | 55.6757% | 5,623 |
| Total domestic deposits to total assets | 91.3642% | 423 |
| Equity capital to assets | 8.4715% | 5,795 |
| Core capital (leverage) ratio | 8.1883% | 6,022 |
| Tier 1 risk-based capital ratio | 14.8490% | 3,875 |
| Total risk-based capital ratio | 16.1006% | 3,840 |
| Memoranda: | ||
| Average total assets | $272,420,670 | 2,344 |
| Average earning assets | $254,607,670 | 2,311 |
| Average equity | $24,055,330 | 2,765 |
| Average total loans | $137,612,000 | 2,752 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 5,238 |
| Cost of funding earning assets | 0.5001% | 4,085 |
| Net interest margin | 3.1759% | 5,012 |
| Noninterest income to average assets | 0.7541% | 2,319 |
| Noninterest expense to average assets | 3.5770% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1100% | 6,127 |
| Return on assets (ROA) | 0.2509% | 5,844 |
| Pretax return on assets | 0.2964% | 5,860 |
| Return on Equity (ROE) | 2.7848% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.7848% | 4,615 |
| Net charge-offs to loans | 0.0201% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 1,577 |
| Efficiency ratio | 96.4780% | 706 |
| Assets per employee ($millions) | 3.6512% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 3,360 |
| Loan loss allowance to noncurrent loans | 27.8090% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 4.8070% | 770 |
| Noncurrent loans to loans | 5.7922% | 590 |
| Net loans and leases to total assets | 50.3011% | 4,944 |
| Net loans and leases to deposits | 55.5663% | 5,288 |
| Net loans and leases to core deposits | 58.2224% | 5,330 |
| Total domestic deposits to total assets | 90.5244% | 757 |
| Equity capital to assets | 9.0707% | 5,403 |
| Core capital (leverage) ratio | 8.3149% | 5,804 |
| Tier 1 risk-based capital ratio | 14.5894% | 4,111 |
| Total risk-based capital ratio | 15.8418% | 4,075 |
| Memoranda: | ||
| Average total assets | $272,627,500 | 2,371 |
| Average earning assets | $253,530,500 | 2,346 |
| Average equity | $24,561,500 | 2,749 |
| Average total loans | $138,980,500 | 2,745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 4,934 |
| Cost of funding earning assets | 0.6423% | 3,987 |
| Net interest margin | 3.4629% | 4,658 |
| Noninterest income to average assets | 0.3476% | 4,984 |
| Noninterest expense to average assets | 2.9011% | 3,635 |
| Loan and lease loss provision to assets | 0.0366% | 5,428 |
| Net operating income to assets | 0.6352% | 4,064 |
| Return on assets (ROA) | 0.7949% | 3,556 |
| Pretax return on assets | 0.7432% | 4,502 |
| Return on Equity (ROE) | 9.3392% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.3392% | 737 |
| Net charge-offs to loans | 0.4413% | 2,468 |
| Credit loss provision to net charge-offs | 15.9236% | 5,332 |
| Earnings coverage of net charge-offs (x) | 2.6959% | 4,085 |
| Efficiency ratio | 82.3884% | 1,820 |
| Assets per employee ($millions) | 3.7680% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 3,336 |
| Loan loss allowance to noncurrent loans | 28.2174% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 5.1813% | 738 |
| Noncurrent loans to loans | 5.6569% | 643 |
| Net loans and leases to total assets | 50.0229% | 5,162 |
| Net loans and leases to deposits | 55.2091% | 5,529 |
| Net loans and leases to core deposits | 57.6642% | 5,580 |
| Total domestic deposits to total assets | 90.6063% | 659 |
| Equity capital to assets | 8.9488% | 5,580 |
| Core capital (leverage) ratio | 8.0772% | 6,114 |
| Tier 1 risk-based capital ratio | 14.2618% | 4,194 |
| Total risk-based capital ratio | 15.5136% | 4,151 |
| Memoranda: | ||
| Average total assets | $273,001,400 | 2,319 |
| Average earning assets | $250,192,000 | 2,323 |
| Average equity | $23,235,400 | 2,825 |
| Average total loans | $142,298,000 | 2,687 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 4,922 |
| Cost of funding earning assets | 0.6693% | 4,026 |
| Net interest margin | 3.4993% | 4,648 |
| Noninterest income to average assets | 0.3171% | 5,247 |
| Noninterest expense to average assets | 2.8468% | 3,809 |
| Loan and lease loss provision to assets | 0.0489% | 5,156 |
| Net operating income to assets | 0.3660% | 5,387 |
| Return on assets (ROA) | 0.5025% | 5,098 |
| Pretax return on assets | 0.8377% | 4,346 |
| Return on Equity (ROE) | 5.9820% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.9820% | 2,707 |
| Net charge-offs to loans | 0.1586% | 3,847 |
| Credit loss provision to net charge-offs | 58.8235% | 4,179 |
| Earnings coverage of net charge-offs (x) | 8.0941% | 2,505 |
| Efficiency ratio | 80.8729% | 1,959 |
| Assets per employee ($millions) | 3.8272% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8911% | 2,509 |
| Loan loss allowance to noncurrent loans | 29.3668% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 5.8275% | 709 |
| Noncurrent loans to loans | 6.4396% | 597 |
| Net loans and leases to total assets | 51.3578% | 5,132 |
| Net loans and leases to deposits | 56.6164% | 5,577 |
| Net loans and leases to core deposits | 59.1588% | 5,639 |
| Total domestic deposits to total assets | 90.7118% | 513 |
| Equity capital to assets | 8.7252% | 6,088 |
| Core capital (leverage) ratio | 7.5350% | 6,606 |
| Tier 1 risk-based capital ratio | 13.1279% | 5,150 |
| Total risk-based capital ratio | 14.3833% | 5,104 |
| Memoranda: | ||
| Average total assets | $272,485,250 | 2,345 |
| Average earning assets | $249,413,750 | 2,352 |
| Average equity | $22,890,500 | 2,886 |
| Average total loans | $142,915,500 | 2,715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1665% | 5,063 |
| Cost of funding earning assets | 0.7053% | 3,971 |
| Net interest margin | 3.4612% | 4,839 |
| Noninterest income to average assets | 0.5096% | 3,861 |
| Noninterest expense to average assets | 2.8291% | 3,910 |
| Loan and lease loss provision to assets | 0.0733% | 4,710 |
| Net operating income to assets | 0.4410% | 5,074 |
| Return on assets (ROA) | 0.6409% | 4,413 |
| Pretax return on assets | 1.0684% | 3,431 |
| Return on Equity (ROE) | 7.7285% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.7285% | 1,755 |
| Net charge-offs to loans | 0.1635% | 3,627 |
| Credit loss provision to net charge-offs | 85.4701% | 3,174 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 2,142 |
| Efficiency ratio | 77.3301% | 2,549 |
| Assets per employee ($millions) | 3.8091% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 2,470 |
| Loan loss allowance to noncurrent loans | 26.3598% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 6.2486% | 671 |
| Noncurrent loans to loans | 7.2934% | 515 |
| Net loans and leases to total assets | 49.6445% | 5,401 |
| Net loans and leases to deposits | 54.3682% | 5,832 |
| Net loans and leases to core deposits | 56.6372% | 5,893 |
| Total domestic deposits to total assets | 91.3117% | 353 |
| Equity capital to assets | 8.2399% | 6,424 |
| Core capital (leverage) ratio | 7.4644% | 6,635 |
| Tier 1 risk-based capital ratio | 12.7767% | 5,354 |
| Total risk-based capital ratio | 14.0323% | 5,326 |
| Memoranda: | ||
| Average total assets | $272,736,670 | 2,352 |
| Average earning assets | $248,120,000 | 2,370 |
| Average equity | $22,617,670 | 2,901 |
| Average total loans | $143,139,000 | 2,720 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 4,828 |
| Cost of funding earning assets | 0.7296% | 4,029 |
| Net interest margin | 3.5461% | 4,503 |
| Noninterest income to average assets | 0.7712% | 2,295 |
| Noninterest expense to average assets | 2.9191% | 3,541 |
| Loan and lease loss provision to assets | 0.1492% | 3,497 |
| Net operating income to assets | 0.5489% | 4,602 |
| Return on assets (ROA) | 0.5489% | 4,814 |
| Pretax return on assets | 0.9143% | 3,982 |
| Return on Equity (ROE) | 6.5969% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.5969% | 2,635 |
| Net charge-offs to loans | 0.3404% | 2,289 |
| Credit loss provision to net charge-offs | 81.9672% | 2,695 |
| Earnings coverage of net charge-offs (x) | 5.8443% | 2,293 |
| Efficiency ratio | 73.2959% | 3,200 |
| Assets per employee ($millions) | 3.7972% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 2,583 |
| Loan loss allowance to noncurrent loans | 24.3097% | 6,408 |
| Noncurrent assets plus other real estate owned to assets | 6.8107% | 640 |
| Noncurrent loans to loans | 7.9468% | 493 |
| Net loans and leases to total assets | 50.1421% | 5,284 |
| Net loans and leases to deposits | 54.6754% | 5,734 |
| Net loans and leases to core deposits | 56.9903% | 5,817 |
| Total domestic deposits to total assets | 91.7088% | 325 |
| Equity capital to assets | 8.1246% | 6,434 |
| Core capital (leverage) ratio | 7.3394% | 6,714 |
| Tier 1 risk-based capital ratio | 12.4221% | 5,666 |
| Total risk-based capital ratio | 13.6781% | 5,629 |
| Memoranda: | ||
| Average total assets | $268,169,000 | 2,403 |
| Average earning assets | $242,860,500 | 2,427 |
| Average equity | $22,313,500 | 2,942 |
| Average total loans | $143,370,000 | 2,730 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 5,525 |
| Cost of funding earning assets | 0.8705% | 4,321 |
| Net interest margin | 3.5026% | 5,139 |
| Noninterest income to average assets | 0.6975% | 2,612 |
| Noninterest expense to average assets | 3.2546% | 2,669 |
| Loan and lease loss provision to assets | 1.5835% | 448 |
| Net operating income to assets | -0.8515% | 6,674 |
| Return on assets (ROA) | -0.7899% | 6,684 |
| Pretax return on assets | -0.8271% | 6,660 |
| Return on Equity (ROE) | -9.1881% | 6,719 |
| Retained earnings to average equity (ytd only) | -9.1881% | 6,676 |
| Net charge-offs to loans | 3.2265% | 270 |
| Credit loss provision to net charge-offs | 84.6951% | 4,252 |
| Earnings coverage of net charge-offs (x) | 0.3699% | 5,540 |
| Efficiency ratio | 82.4757% | 1,957 |
| Assets per employee ($millions) | 3.5019% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 2,558 |
| Loan loss allowance to noncurrent loans | 20.8569% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 7.6576% | 559 |
| Noncurrent loans to loans | 9.1256% | 383 |
| Net loans and leases to total assets | 54.8927% | 4,895 |
| Net loans and leases to deposits | 60.1175% | 5,470 |
| Net loans and leases to core deposits | 62.4835% | 5,603 |
| Total domestic deposits to total assets | 91.3090% | 399 |
| Equity capital to assets | 8.5305% | 6,105 |
| Core capital (leverage) ratio | 7.2194% | 6,781 |
| Tier 1 risk-based capital ratio | 11.9986% | 5,839 |
| Total risk-based capital ratio | 13.2545% | 5,805 |
| Memoranda: | ||
| Average total assets | $268,391,800 | 2,351 |
| Average earning assets | $248,931,400 | 2,313 |
| Average equity | $23,073,400 | 2,774 |
| Average total loans | $155,523,000 | 2,558 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 5,631 |
| Cost of funding earning assets | 0.9076% | 4,345 |
| Net interest margin | 3.4842% | 5,247 |
| Noninterest income to average assets | 0.7467% | 2,334 |
| Noninterest expense to average assets | 3.1438% | 3,010 |
| Loan and lease loss provision to assets | 1.1870% | 662 |
| Net operating income to assets | -0.2567% | 6,443 |
| Return on assets (ROA) | -0.1950% | 6,465 |
| Pretax return on assets | -0.2709% | 6,469 |
| Return on Equity (ROE) | -2.2646% | 6,503 |
| Retained earnings to average equity (ytd only) | -2.2646% | 6,330 |
| Net charge-offs to loans | 0.7469% | 2,072 |
| Credit loss provision to net charge-offs | 272.0090% | 1,053 |
| Earnings coverage of net charge-offs (x) | 1.9029% | 4,234 |
| Efficiency ratio | 79.1052% | 2,393 |
| Assets per employee ($millions) | 3.3729% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2692% | 679 |
| Loan loss allowance to noncurrent loans | 26.8623% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 9.4393% | 394 |
| Noncurrent loans to loans | 12.1701% | 230 |
| Net loans and leases to total assets | 57.5566% | 4,577 |
| Net loans and leases to deposits | 63.5937% | 5,226 |
| Net loans and leases to core deposits | 66.1047% | 5,406 |
| Total domestic deposits to total assets | 90.5068% | 635 |
| Equity capital to assets | 9.3187% | 5,350 |
| Core capital (leverage) ratio | 7.9248% | 6,463 |
| Tier 1 risk-based capital ratio | 12.6503% | 5,367 |
| Total risk-based capital ratio | 13.9228% | 5,329 |
| Memoranda: | ||
| Average total assets | $270,704,250 | 2,350 |
| Average earning assets | $250,765,250 | 2,307 |
| Average equity | $23,315,250 | 2,747 |
| Average total loans | $158,151,250 | 2,546 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3294% | 5,913 |
| Cost of funding earning assets | 0.9600% | 4,250 |
| Net interest margin | 3.3695% | 5,641 |
| Noninterest income to average assets | 0.6983% | 2,560 |
| Noninterest expense to average assets | 3.1840% | 2,958 |
| Loan and lease loss provision to assets | 1.3121% | 566 |
| Net operating income to assets | -0.4154% | 6,620 |
| Return on assets (ROA) | -0.3674% | 6,620 |
| Pretax return on assets | -0.6116% | 6,714 |
| Return on Equity (ROE) | -4.3789% | 6,669 |
| Retained earnings to average equity (ytd only) | -4.3789% | 6,510 |
| Net charge-offs to loans | 1.0517% | 1,494 |
| Credit loss provision to net charge-offs | 214.7971% | 1,389 |
| Earnings coverage of net charge-offs (x) | 1.0239% | 4,525 |
| Efficiency ratio | 83.5821% | 1,875 |
| Assets per employee ($millions) | 3.1655% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8966% | 987 |
| Loan loss allowance to noncurrent loans | 24.1723% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 9.2214% | 452 |
| Noncurrent loans to loans | 11.9832% | 256 |
| Net loans and leases to total assets | 55.9403% | 5,008 |
| Net loans and leases to deposits | 62.7966% | 5,415 |
| Net loans and leases to core deposits | 66.6270% | 5,432 |
| Total domestic deposits to total assets | 89.0817% | 1,491 |
| Equity capital to assets | 8.6308% | 6,027 |
| Core capital (leverage) ratio | 7.5077% | 6,739 |
| Tier 1 risk-based capital ratio | 12.1513% | 5,666 |
| Total risk-based capital ratio | 13.4187% | 5,626 |
| Memoranda: | ||
| Average total assets | $274,368,000 | 2,334 |
| Average earning assets | $253,335,000 | 2,301 |
| Average equity | $23,019,670 | 2,754 |
| Average total loans | $159,357,000 | 2,545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 5,915 |
| Cost of funding earning assets | 1.0238% | 4,036 |
| Net interest margin | 3.3063% | 5,755 |
| Noninterest income to average assets | 0.7075% | 2,531 |
| Noninterest expense to average assets | 3.0973% | 3,253 |
| Loan and lease loss provision to assets | 0.7220% | 1,173 |
| Net operating income to assets | -0.0386% | 6,396 |
| Return on assets (ROA) | -0.0173% | 6,398 |
| Pretax return on assets | -0.0289% | 6,387 |
| Return on Equity (ROE) | -0.2094% | 6,403 |
| Retained earnings to average equity (ytd only) | -0.2094% | 5,825 |
| Net charge-offs to loans | 0.0644% | 4,285 |
| Credit loss provision to net charge-offs | 1,923.0769% | 208 |
| Earnings coverage of net charge-offs (x) | 17.5769% | 1,219 |
| Efficiency ratio | 82.4366% | 2,159 |
| Assets per employee ($millions) | 3.3504% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5042% | 1,450 |
| Loan loss allowance to noncurrent loans | 23.7674% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 8.1614% | 574 |
| Noncurrent loans to loans | 10.5365% | 361 |
| Net loans and leases to total assets | 56.6984% | 4,871 |
| Net loans and leases to deposits | 65.0196% | 5,126 |
| Net loans and leases to core deposits | 69.0534% | 5,161 |
| Total domestic deposits to total assets | 87.2020% | 2,828 |
| Equity capital to assets | 8.3656% | 6,090 |
| Core capital (leverage) ratio | 8.3985% | 5,629 |
| Tier 1 risk-based capital ratio | 13.2079% | 4,658 |
| Total risk-based capital ratio | 14.4709% | 4,629 |
| Memoranda: | ||
| Average total assets | $277,016,500 | 2,332 |
| Average earning assets | $255,513,000 | 2,310 |
| Average equity | $22,918,000 | 2,755 |
| Average total loans | $161,531,000 | 2,539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 5,815 |
| Cost of funding earning assets | 1.4052% | 3,233 |
| Net interest margin | 3.2920% | 6,008 |
| Noninterest income to average assets | 0.4317% | 4,670 |
| Noninterest expense to average assets | 3.1620% | 3,227 |
| Loan and lease loss provision to assets | 1.2043% | 1,298 |
| Net operating income to assets | -0.4864% | 6,381 |
| Return on assets (ROA) | -0.3720% | 6,312 |
| Pretax return on assets | -0.7051% | 6,463 |
| Return on Equity (ROE) | -4.2613% | 6,375 |
| Retained earnings to average equity (ytd only) | -4.2613% | 6,224 |
| Net charge-offs to loans | 1.9225% | 1,071 |
| Credit loss provision to net charge-offs | 101.9050% | 4,446 |
| Earnings coverage of net charge-offs (x) | 0.2712% | 5,837 |
| Efficiency ratio | 90.7953% | 1,259 |
| Assets per employee ($millions) | 3.4061% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1605% | 1,947 |
| Loan loss allowance to noncurrent loans | 20.7054% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 8.0468% | 614 |
| Noncurrent loans to loans | 10.4346% | 388 |
| Net loans and leases to total assets | 57.2015% | 5,150 |
| Net loans and leases to deposits | 65.7650% | 5,433 |
| Net loans and leases to core deposits | 69.6845% | 5,475 |
| Total domestic deposits to total assets | 86.9786% | 2,830 |
| Equity capital to assets | 8.1822% | 6,280 |
| Core capital (leverage) ratio | 8.1498% | 5,911 |
| Tier 1 risk-based capital ratio | 12.9398% | 4,644 |
| Total risk-based capital ratio | 14.1988% | 4,610 |
| Memoranda: | ||
| Average total assets | $279,821,600 | 2,282 |
| Average earning assets | $259,322,400 | 2,266 |
| Average equity | $24,429,400 | 2,616 |
| Average total loans | $172,015,200 | 2,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 5,644 |
| Cost of funding earning assets | 1.4617% | 3,211 |
| Net interest margin | 3.3423% | 5,871 |
| Noninterest income to average assets | 0.5768% | 3,600 |
| Noninterest expense to average assets | 3.1838% | 2,985 |
| Loan and lease loss provision to assets | 1.3192% | 1,051 |
| Net operating income to assets | -0.4553% | 6,563 |
| Return on assets (ROA) | -0.3791% | 6,546 |
| Pretax return on assets | -0.7144% | 6,688 |
| Return on Equity (ROE) | -4.2754% | 6,586 |
| Retained earnings to average equity (ytd only) | -4.2754% | 6,490 |
| Net charge-offs to loans | 2.0398% | 921 |
| Credit loss provision to net charge-offs | 103.9400% | 4,128 |
| Earnings coverage of net charge-offs (x) | 0.3827% | 5,645 |
| Efficiency ratio | 86.7618% | 1,554 |
| Assets per employee ($millions) | 3.2951% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,949 |
| Loan loss allowance to noncurrent loans | 22.3516% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 7.9317% | 636 |
| Noncurrent loans to loans | 9.4922% | 472 |
| Net loans and leases to total assets | 59.5021% | 5,003 |
| Net loans and leases to deposits | 69.1010% | 5,260 |
| Net loans and leases to core deposits | 73.3747% | 5,370 |
| Total domestic deposits to total assets | 86.1088% | 3,022 |
| Equity capital to assets | 8.8147% | 5,843 |
| Core capital (leverage) ratio | 8.3180% | 5,836 |
| Tier 1 risk-based capital ratio | 12.8882% | 4,660 |
| Total risk-based capital ratio | 14.1472% | 4,644 |
| Memoranda: | ||
| Average total assets | $279,951,500 | 2,316 |
| Average earning assets | $259,060,000 | 2,296 |
| Average equity | $24,823,500 | 2,610 |
| Average total loans | $174,195,750 | 2,458 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 5,422 |
| Cost of funding earning assets | 1.5069% | 3,219 |
| Net interest margin | 3.3866% | 5,688 |
| Noninterest income to average assets | 0.9416% | 1,535 |
| Noninterest expense to average assets | 3.2120% | 2,856 |
| Loan and lease loss provision to assets | 1.0107% | 1,439 |
| Net operating income to assets | -0.0733% | 6,190 |
| Return on assets (ROA) | 0.1046% | 5,969 |
| Pretax return on assets | 0.0256% | 6,111 |
| Return on Equity (ROE) | 1.1776% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.1776% | 5,278 |
| Net charge-offs to loans | 1.5405% | 1,240 |
| Credit loss provision to net charge-offs | 104.6426% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.8887% | 4,882 |
| Efficiency ratio | 78.9124% | 2,586 |
| Assets per employee ($millions) | 3.2704% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0253% | 2,121 |
| Loan loss allowance to noncurrent loans | 23.4512% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 7.6092% | 669 |
| Noncurrent loans to loans | 8.6362% | 571 |
| Net loans and leases to total assets | 60.6821% | 4,935 |
| Net loans and leases to deposits | 70.1801% | 5,249 |
| Net loans and leases to core deposits | 76.6838% | 5,118 |
| Total domestic deposits to total assets | 86.4662% | 2,839 |
| Equity capital to assets | 8.9696% | 5,493 |
| Core capital (leverage) ratio | 8.6648% | 5,136 |
| Tier 1 risk-based capital ratio | 12.8815% | 4,540 |
| Total risk-based capital ratio | 14.1392% | 4,485 |
| Memoranda: | ||
| Average total assets | $281,006,330 | 2,323 |
| Average earning assets | $259,608,000 | 2,308 |
| Average equity | $24,965,330 | 2,593 |
| Average total loans | $176,173,000 | 2,468 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 5,637 |
| Cost of funding earning assets | 1.6183% | 2,849 |
| Net interest margin | 3.2429% | 6,152 |
| Noninterest income to average assets | 1.0481% | 1,160 |
| Noninterest expense to average assets | 3.2398% | 2,732 |
| Loan and lease loss provision to assets | 0.2848% | 3,749 |
| Net operating income to assets | 0.3945% | 4,860 |
| Return on assets (ROA) | 0.3945% | 5,003 |
| Pretax return on assets | 0.5055% | 4,942 |
| Return on Equity (ROE) | 4.4615% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.4615% | 3,479 |
| Net charge-offs to loans | 0.0203% | 5,301 |
| Credit loss provision to net charge-offs | 2,222.2222% | 233 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 498 |
| Efficiency ratio | 80.3887% | 2,508 |
| Assets per employee ($millions) | 3.2116% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0949% | 1,969 |
| Loan loss allowance to noncurrent loans | 22.0573% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 9.1783% | 478 |
| Noncurrent loans to loans | 9.4977% | 465 |
| Net loans and leases to total assets | 61.8619% | 4,786 |
| Net loans and leases to deposits | 71.1383% | 5,175 |
| Net loans and leases to core deposits | 78.6648% | 4,942 |
| Total domestic deposits to total assets | 86.9600% | 2,645 |
| Equity capital to assets | 9.0874% | 5,152 |
| Core capital (leverage) ratio | 8.7661% | 4,909 |
| Tier 1 risk-based capital ratio | 12.6752% | 4,579 |
| Total risk-based capital ratio | 13.9332% | 4,540 |
| Memoranda: | ||
| Average total assets | $280,884,000 | 2,390 |
| Average earning assets | $258,288,500 | 2,364 |
| Average equity | $24,834,500 | 2,624 |
| Average total loans | $177,161,000 | 2,516 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 7,008 |
| Cost of funding earning assets | 2.1373% | 2,294 |
| Net interest margin | 2.6320% | 7,302 |
| Noninterest income to average assets | 0.7827% | 2,492 |
| Noninterest expense to average assets | 3.2782% | 3,088 |
| Loan and lease loss provision to assets | 0.7098% | 2,989 |
| Net operating income to assets | -0.4310% | 6,110 |
| Return on assets (ROA) | -0.3778% | 6,049 |
| Pretax return on assets | -0.7204% | 6,209 |
| Return on Equity (ROE) | -4.5548% | 6,173 |
| Retained earnings to average equity (ytd only) | -4.5548% | 5,963 |
| Net charge-offs to loans | 1.5057% | 1,665 |
| Credit loss provision to net charge-offs | 75.0088% | 6,394 |
| Earnings coverage of net charge-offs (x) | -0.0992% | 6,334 |
| Efficiency ratio | 102.9476% | 977 |
| Assets per employee ($millions) | 3.2824% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 2,200 |
| Loan loss allowance to noncurrent loans | 19.5685% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 8.6220% | 477 |
| Noncurrent loans to loans | 9.8478% | 425 |
| Net loans and leases to total assets | 61.7501% | 5,041 |
| Net loans and leases to deposits | 70.3920% | 5,555 |
| Net loans and leases to core deposits | 89.3572% | 5,193 |
| Total domestic deposits to total assets | 87.7232% | 2,110 |
| Equity capital to assets | 8.6038% | 5,722 |
| Core capital (leverage) ratio | 8.2765% | 5,662 |
| Tier 1 risk-based capital ratio | 12.2067% | 4,767 |
| Total risk-based capital ratio | 13.4627% | 4,720 |
| Memoranda: | ||
| Average total assets | $301,511,000 | 2,207 |
| Average earning assets | $275,109,800 | 2,204 |
| Average equity | $25,006,400 | 2,610 |
| Average total loans | $189,480,200 | 2,411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 7,232 |
| Cost of funding earning assets | 2.2208% | 2,310 |
| Net interest margin | 2.5130% | 7,453 |
| Noninterest income to average assets | 0.9898% | 1,643 |
| Noninterest expense to average assets | 3.1877% | 3,343 |
| Loan and lease loss provision to assets | 0.5848% | 3,045 |
| Net operating income to assets | -0.3053% | 6,209 |
| Return on assets (ROA) | -0.2352% | 6,127 |
| Pretax return on assets | -0.3871% | 6,184 |
| Return on Equity (ROE) | -2.8614% | 6,225 |
| Retained earnings to average equity (ytd only) | -2.8614% | 5,913 |
| Net charge-offs to loans | 0.6642% | 2,700 |
| Credit loss provision to net charge-offs | 140.1674% | 3,514 |
| Earnings coverage of net charge-offs (x) | 0.2113% | 5,813 |
| Efficiency ratio | 97.3088% | 1,195 |
| Assets per employee ($millions) | 3.3475% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4847% | 1,081 |
| Loan loss allowance to noncurrent loans | 20.0290% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 9.7662% | 362 |
| Noncurrent loans to loans | 12.4058% | 250 |
| Net loans and leases to total assets | 61.4767% | 5,330 |
| Net loans and leases to deposits | 70.6223% | 5,831 |
| Net loans and leases to core deposits | 92.0816% | 5,226 |
| Total domestic deposits to total assets | 87.0501% | 2,157 |
| Equity capital to assets | 8.7749% | 5,840 |
| Core capital (leverage) ratio | 8.2340% | 5,956 |
| Tier 1 risk-based capital ratio | 12.2712% | 4,729 |
| Total risk-based capital ratio | 13.5335% | 4,664 |
| Memoranda: | ||
| Average total assets | $305,495,750 | 2,196 |
| Average earning assets | $277,907,500 | 2,209 |
| Average equity | $25,115,500 | 2,626 |
| Average total loans | $191,898,750 | 2,408 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 7,348 |
| Cost of funding earning assets | 2.2454% | 2,600 |
| Net interest margin | 2.4864% | 7,496 |
| Noninterest income to average assets | 0.9670% | 1,705 |
| Noninterest expense to average assets | 3.2458% | 3,162 |
| Loan and lease loss provision to assets | 0.7091% | 2,302 |
| Net operating income to assets | -0.4750% | 6,525 |
| Return on assets (ROA) | -0.3900% | 6,445 |
| Pretax return on assets | -0.6066% | 6,530 |
| Return on Equity (ROE) | -4.8460% | 6,588 |
| Retained earnings to average equity (ytd only) | -4.8460% | 6,276 |
| Net charge-offs to loans | 0.6421% | 2,429 |
| Credit loss provision to net charge-offs | 176.0000% | 2,605 |
| Earnings coverage of net charge-offs (x) | -0.0752% | 5,776 |
| Efficiency ratio | 100.9423% | 1,131 |
| Assets per employee ($millions) | 3.3702% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4023% | 987 |
| Loan loss allowance to noncurrent loans | 15.8492% | 7,338 |
| Noncurrent assets plus other real estate owned to assets | 11.2456% | 222 |
| Noncurrent loans to loans | 15.1571% | 128 |
| Net loans and leases to total assets | 60.9686% | 5,525 |
| Net loans and leases to deposits | 70.1995% | 5,973 |
| Net loans and leases to core deposits | 90.6448% | 5,482 |
| Total domestic deposits to total assets | 86.8505% | 2,332 |
| Equity capital to assets | 7.9011% | 6,865 |
| Core capital (leverage) ratio | 7.9292% | 6,443 |
| Tier 1 risk-based capital ratio | 11.6349% | 5,256 |
| Total risk-based capital ratio | 12.8965% | 5,175 |
| Memoranda: | ||
| Average total assets | $310,251,330 | 2,199 |
| Average earning assets | $280,570,670 | 2,222 |
| Average equity | $24,969,000 | 2,642 |
| Average total loans | $194,665,000 | 2,403 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 7,434 |
| Cost of funding earning assets | 2.2900% | 2,746 |
| Net interest margin | 2.4608% | 7,544 |
| Noninterest income to average assets | 0.7398% | 2,656 |
| Noninterest expense to average assets | 2.9554% | 3,956 |
| Loan and lease loss provision to assets | 1.4178% | 898 |
| Net operating income to assets | -0.8842% | 7,176 |
| Return on assets (ROA) | -0.8842% | 7,206 |
| Pretax return on assets | -1.3868% | 7,331 |
| Return on Equity (ROE) | -10.8869% | 7,418 |
| Retained earnings to average equity (ytd only) | -10.8869% | 7,191 |
| Net charge-offs to loans | 0.0184% | 5,313 |
| Credit loss provision to net charge-offs | 12,222.2222% | 46 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,424 |
| Efficiency ratio | 98.9642% | 1,176 |
| Assets per employee ($millions) | 3.3605% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7311% | 609 |
| Loan loss allowance to noncurrent loans | 17.6901% | 7,279 |
| Noncurrent assets plus other real estate owned to assets | 10.8307% | 184 |
| Noncurrent loans to loans | 15.4383% | 94 |
| Net loans and leases to total assets | 60.0458% | 5,642 |
| Net loans and leases to deposits | 69.3670% | 6,040 |
| Net loans and leases to core deposits | 85.8785% | 5,914 |
| Total domestic deposits to total assets | 86.5625% | 2,417 |
| Equity capital to assets | 7.9314% | 6,916 |
| Core capital (leverage) ratio | 7.9708% | 6,507 |
| Tier 1 risk-based capital ratio | 11.6659% | 5,240 |
| Total risk-based capital ratio | 12.9312% | 5,144 |
| Memoranda: | ||
| Average total assets | $310,348,000 | 2,212 |
| Average earning assets | $283,318,500 | 2,223 |
| Average equity | $25,204,500 | 2,629 |
| Average total loans | $195,152,000 | 2,421 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 7,423 |
| Cost of funding earning assets | 2.7346% | 2,999 |
| Net interest margin | 2.6944% | 7,504 |
| Noninterest income to average assets | 0.8743% | 2,083 |
| Noninterest expense to average assets | 3.0539% | 3,884 |
| Loan and lease loss provision to assets | 2.3726% | 458 |
| Net operating income to assets | -1.1228% | 7,304 |
| Return on assets (ROA) | -1.0790% | 7,214 |
| Pretax return on assets | -1.9463% | 7,427 |
| Return on Equity (ROE) | -11.7756% | 7,412 |
| Retained earnings to average equity (ytd only) | -12.2960% | 7,265 |
| Net charge-offs to loans | 3.3445% | 243 |
| Credit loss provision to net charge-offs | 113.3678% | 4,759 |
| Earnings coverage of net charge-offs (x) | 0.1710% | 6,146 |
| Efficiency ratio | 89.5080% | 1,553 |
| Assets per employee ($millions) | 3.2439% | 5,351 |
| Cash dividends to net income (ytd only)* | -4.4196% | 7,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,051 |
| Loan loss allowance to noncurrent loans | 14.5090% | 7,414 |
| Noncurrent assets plus other real estate owned to assets | 9.9209% | 166 |
| Noncurrent loans to loans | 14.5895% | 73 |
| Net loans and leases to total assets | 62.6921% | 5,510 |
| Net loans and leases to deposits | 70.1955% | 6,253 |
| Net loans and leases to core deposits | 85.9222% | 6,138 |
| Total domestic deposits to total assets | 89.3107% | 914 |
| Equity capital to assets | 8.3140% | 6,404 |
| Core capital (leverage) ratio | 8.0988% | 6,326 |
| Tier 1 risk-based capital ratio | 11.7080% | 5,051 |
| Total risk-based capital ratio | 12.9666% | 4,947 |
| Memoranda: | ||
| Average total assets | $314,547,000 | 2,127 |
| Average earning assets | $296,240,200 | 2,067 |
| Average equity | $28,822,400 | 2,348 |
| Average total loans | $196,828,600 | 2,330 |