Home > Owen County State Bank > Performance and Condition Ratios
Owen County State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 2,207 |
| Cost of funding earning assets | 1.6470% | 1,581 |
| Net interest margin | 3.2882% | 2,667 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.0465% | 1,050 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.3985% | 3,877 |
| Return on assets (ROA) | 0.3985% | 3,865 |
| Pretax return on assets | 0.4742% | 3,860 |
| Return on Equity (ROE) | 6.8300% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.1500% | 3,229 |
| Net charge-offs to loans | 0.0551% | 1,307 |
| Credit loss provision to net charge-offs | 187.8261% | 1,269 |
| Earnings coverage of net charge-offs (x) | 15.8783% | 2,031 |
| Efficiency ratio | 84.8036% | 621 |
| Assets per employee ($millions) | 4.4572% | 3,973 |
| Cash dividends to net income (ytd only)* | 53.8635% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,026 |
| Loan loss allowance to noncurrent loans | 209.8398% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,159 |
| Noncurrent loans to loans | 0.5948% | 1,325 |
| Net loans and leases to total assets | 63.4200% | 2,518 |
| Net loans and leases to deposits | 75.0321% | 2,541 |
| Net loans and leases to core deposits | 85.1045% | 2,371 |
| Total domestic deposits to total assets | 84.5200% | 2,464 |
| Equity capital to assets | 6.2543% | 4,182 |
| Core capital (leverage) ratio | 8.9501% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0361% | 1,524 |
| Memoranda: | ||
| Average total assets | $334,480,600 | 2,251 |
| Average earning assets | $309,223,800 | 2,249 |
| Average equity | $19,524,000 | 2,902 |
| Average total loans | $208,818,200 | 2,233 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 2,092 |
| Cost of funding earning assets | 1.5455% | 1,494 |
| Net interest margin | 3.3407% | 2,593 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 3.0373% | 1,015 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4502% | 3,868 |
| Return on assets (ROA) | 0.4502% | 3,866 |
| Pretax return on assets | 0.5377% | 3,847 |
| Return on Equity (ROE) | 7.8600% | 3,217 |
| Retained earnings to average equity (ytd only) | 4.9932% | 2,936 |
| Net charge-offs to loans | 0.0576% | 1,094 |
| Credit loss provision to net charge-offs | 202.2472% | 1,112 |
| Earnings coverage of net charge-offs (x) | 17.0787% | 1,910 |
| Efficiency ratio | 83.2783% | 657 |
| Assets per employee ($millions) | 4.2393% | 4,070 |
| Cash dividends to net income (ytd only)* | 36.4528% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 1,982 |
| Loan loss allowance to noncurrent loans | 331.8402% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,604 |
| Noncurrent loans to loans | 0.3846% | 1,865 |
| Net loans and leases to total assets | 64.1300% | 2,431 |
| Net loans and leases to deposits | 75.9960% | 2,417 |
| Net loans and leases to core deposits | 81.9521% | 2,470 |
| Total domestic deposits to total assets | 84.3800% | 2,670 |
| Equity capital to assets | 5.1312% | 4,227 |
| Core capital (leverage) ratio | 9.1092% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $332,299,500 | 2,258 |
| Average earning assets | $307,037,000 | 2,261 |
| Average equity | $19,038,750 | 2,935 |
| Average total loans | $205,923,000 | 2,245 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 1,971 |
| Cost of funding earning assets | 1.4555% | 1,324 |
| Net interest margin | 3.3559% | 2,624 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.0579% | 959 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4573% | 3,902 |
| Return on assets (ROA) | 0.4573% | 3,902 |
| Pretax return on assets | 0.5348% | 3,904 |
| Return on Equity (ROE) | 7.7100% | 3,312 |
| Retained earnings to average equity (ytd only) | 3.5683% | 3,328 |
| Net charge-offs to loans | 0.0611% | 938 |
| Credit loss provision to net charge-offs | 193.5484% | 1,065 |
| Earnings coverage of net charge-offs (x) | 16.2903% | 1,833 |
| Efficiency ratio | 83.4399% | 628 |
| Assets per employee ($millions) | 4.1591% | 4,116 |
| Cash dividends to net income (ytd only)* | 53.7451% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 1,862 |
| Loan loss allowance to noncurrent loans | 350.7772% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 1,585 |
| Noncurrent loans to loans | 0.3751% | 1,798 |
| Net loans and leases to total assets | 60.2900% | 2,745 |
| Net loans and leases to deposits | 68.6926% | 2,883 |
| Net loans and leases to core deposits | 73.3429% | 2,939 |
| Total domestic deposits to total assets | 87.7700% | 1,687 |
| Equity capital to assets | 5.8064% | 4,200 |
| Core capital (leverage) ratio | 9.0416% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $332,844,667 | 2,268 |
| Average earning assets | $307,938,000 | 2,268 |
| Average equity | $19,729,333 | 2,891 |
| Average total loans | $202,966,667 | 2,267 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 1,748 |
| Cost of funding earning assets | 1.3574% | 1,118 |
| Net interest margin | 3.3876% | 2,665 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.2073% | 786 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.3410% | 4,187 |
| Return on assets (ROA) | 0.3410% | 4,139 |
| Pretax return on assets | 0.3810% | 4,154 |
| Return on Equity (ROE) | 5.7100% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.7140% | 2,844 |
| Net charge-offs to loans | 0.1072% | 571 |
| Credit loss provision to net charge-offs | 111.1111% | 1,060 |
| Earnings coverage of net charge-offs (x) | 6.9444% | 1,772 |
| Efficiency ratio | 87.6115% | 436 |
| Assets per employee ($millions) | 3.9931% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 1,981 |
| Loan loss allowance to noncurrent loans | 198.2090% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,297 |
| Noncurrent loans to loans | 0.6613% | 1,140 |
| Net loans and leases to total assets | 59.6200% | 2,701 |
| Net loans and leases to deposits | 66.5892% | 2,890 |
| Net loans and leases to core deposits | 70.9037% | 2,888 |
| Total domestic deposits to total assets | 89.5300% | 1,331 |
| Equity capital to assets | 6.0729% | 4,175 |
| Core capital (leverage) ratio | 9.0401% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $330,750,500 | 2,311 |
| Average earning assets | $306,173,000 | 2,314 |
| Average equity | $19,741,000 | 2,915 |
| Average total loans | $201,538,500 | 2,298 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 1,895 |
| Cost of funding earning assets | 0.4039% | 2,065 |
| Net interest margin | 3.5308% | 1,837 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.9650% | 1,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6939% | 3,634 |
| Return on assets (ROA) | 0.6937% | 3,583 |
| Pretax return on assets | 0.8543% | 3,476 |
| Return on Equity (ROE) | 10.4100% | 2,676 |
| Retained earnings to average equity (ytd only) | 6.6497% | 2,386 |
| Net charge-offs to loans | 0.0142% | 1,852 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 109.8846% | 925 |
| Efficiency ratio | 77.6255% | 876 |
| Assets per employee ($millions) | 3.8362% | 4,337 |
| Cash dividends to net income (ytd only)* | 36.0931% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 3,199 |
| Loan loss allowance to noncurrent loans | 240.7925% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 1,848 |
| Noncurrent loans to loans | 0.4280% | 1,645 |
| Net loans and leases to total assets | 60.8400% | 2,572 |
| Net loans and leases to deposits | 67.0392% | 2,810 |
| Net loans and leases to core deposits | 70.5029% | 2,842 |
| Total domestic deposits to total assets | 90.7600% | 1,035 |
| Equity capital to assets | 5.8612% | 4,143 |
| Core capital (leverage) ratio | 9.0934% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $334,295,600 | 2,282 |
| Average earning assets | $308,481,400 | 2,285 |
| Average equity | $22,286,600 | 2,747 |
| Average total loans | $183,406,200 | 2,348 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 1,834 |
| Cost of funding earning assets | 0.2587% | 2,620 |
| Net interest margin | 3.5128% | 1,630 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.9052% | 1,043 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.7535% | 3,411 |
| Return on assets (ROA) | 0.7532% | 3,361 |
| Pretax return on assets | 0.9363% | 3,217 |
| Return on Equity (ROE) | 10.9800% | 2,387 |
| Retained earnings to average equity (ytd only) | 7.7756% | 2,092 |
| Net charge-offs to loans | 0.0134% | 1,621 |
| Credit loss provision to net charge-offs | -416.6667% | 4,687 |
| Earnings coverage of net charge-offs (x) | 127.1111% | 820 |
| Efficiency ratio | 76.2088% | 1,058 |
| Assets per employee ($millions) | 3.8446% | 4,380 |
| Cash dividends to net income (ytd only)* | 29.1579% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,228 |
| Loan loss allowance to noncurrent loans | 256.6110% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 2,005 |
| Noncurrent loans to loans | 0.4108% | 1,791 |
| Net loans and leases to total assets | 58.8000% | 2,617 |
| Net loans and leases to deposits | 63.6014% | 2,896 |
| Net loans and leases to core deposits | 65.6636% | 2,973 |
| Total domestic deposits to total assets | 92.4500% | 731 |
| Equity capital to assets | 5.4500% | 4,145 |
| Core capital (leverage) ratio | 9.1816% | 3,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $336,350,000 | 2,292 |
| Average earning assets | $310,282,500 | 2,301 |
| Average equity | $23,080,250 | 2,737 |
| Average total loans | $179,143,500 | 2,383 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 1,758 |
| Cost of funding earning assets | 0.2127% | 2,738 |
| Net interest margin | 3.4135% | 1,559 |
| Noninterest income to average assets | 0.5536% | 1,929 |
| Noninterest expense to average assets | 2.8565% | 1,062 |
| Loan and lease loss provision to assets | -0.0643% | 4,544 |
| Net operating income to assets | 0.7308% | 3,206 |
| Return on assets (ROA) | 0.7308% | 3,160 |
| Pretax return on assets | 0.9138% | 3,014 |
| Return on Equity (ROE) | 10.0093% | 2,330 |
| Retained earnings to average equity (ytd only) | 5.5732% | 2,482 |
| Net charge-offs to loans | 0.0159% | 1,436 |
| Credit loss provision to net charge-offs | -785.7143% | 3,494 |
| Earnings coverage of net charge-offs (x) | 103.7857% | 796 |
| Efficiency ratio | 77.0784% | 1,168 |
| Assets per employee ($millions) | 3.9501% | 4,392 |
| Cash dividends to net income (ytd only)* | 44.3200% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 3,204 |
| Loan loss allowance to noncurrent loans | 833.8983% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,261 |
| Noncurrent loans to loans | 0.1305% | 3,066 |
| Net loans and leases to total assets | 53.9067% | 2,971 |
| Net loans and leases to deposits | 58.6956% | 3,161 |
| Net loans and leases to core deposits | 60.7494% | 3,215 |
| Total domestic deposits to total assets | 91.8410% | 910 |
| Equity capital to assets | 6.3040% | 4,097 |
| Core capital (leverage) ratio | 8.7421% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,100,000 | 2,284 |
| Average earning assets | $315,922,667 | 2,295 |
| Average equity | $24,976,667 | 2,685 |
| Average total loans | $175,647,333 | 2,413 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 1,735 |
| Cost of funding earning assets | 0.2020% | 2,769 |
| Net interest margin | 3.3192% | 1,530 |
| Noninterest income to average assets | 0.5449% | 1,929 |
| Noninterest expense to average assets | 2.8510% | 1,059 |
| Loan and lease loss provision to assets | -0.1440% | 4,642 |
| Net operating income to assets | 0.7130% | 3,005 |
| Return on assets (ROA) | 0.7130% | 2,995 |
| Pretax return on assets | 0.9043% | 2,760 |
| Return on Equity (ROE) | 9.1682% | 2,258 |
| Retained earnings to average equity (ytd only) | 9.1682% | 1,225 |
| Net charge-offs to loans | 0.0162% | 1,212 |
| Credit loss provision to net charge-offs | -1,785.7143% | 3,370 |
| Earnings coverage of net charge-offs (x) | 94.2857% | 695 |
| Efficiency ratio | 78.9474% | 1,230 |
| Assets per employee ($millions) | 4.2052% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,269 |
| Loan loss allowance to noncurrent loans | 384.3137% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,771 |
| Noncurrent loans to loans | 0.2899% | 2,434 |
| Net loans and leases to total assets | 49.8401% | 3,191 |
| Net loans and leases to deposits | 55.4655% | 3,309 |
| Net loans and leases to core deposits | 57.2298% | 3,365 |
| Total domestic deposits to total assets | 89.8579% | 1,653 |
| Equity capital to assets | 6.9908% | 4,222 |
| Core capital (leverage) ratio | 8.6897% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $347,247,500 | 2,269 |
| Average earning assets | $320,803,000 | 2,279 |
| Average equity | $27,006,500 | 2,655 |
| Average total loans | $173,054,500 | 2,432 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 1,977 |
| Cost of funding earning assets | 0.2662% | 2,743 |
| Net interest margin | 3.4864% | 1,781 |
| Noninterest income to average assets | 0.6717% | 1,864 |
| Noninterest expense to average assets | 3.0548% | 910 |
| Loan and lease loss provision to assets | -0.0132% | 4,183 |
| Net operating income to assets | 0.6736% | 3,687 |
| Return on assets (ROA) | 0.6736% | 3,739 |
| Pretax return on assets | 0.8666% | 3,577 |
| Return on Equity (ROE) | 6.8865% | 3,546 |
| Retained earnings to average equity (ytd only) | 3.5275% | 3,411 |
| Net charge-offs to loans | 0.0128% | 2,086 |
| Credit loss provision to net charge-offs | -190.4762% | 3,499 |
| Earnings coverage of net charge-offs (x) | 123.1905% | 764 |
| Efficiency ratio | 78.1632% | 933 |
| Assets per employee ($millions) | 4.1127% | 4,379 |
| Cash dividends to net income (ytd only)* | 48.7757% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,734 |
| Loan loss allowance to noncurrent loans | 270.9845% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 2,440 |
| Noncurrent loans to loans | 0.4536% | 2,000 |
| Net loans and leases to total assets | 48.6590% | 3,438 |
| Net loans and leases to deposits | 55.1070% | 3,508 |
| Net loans and leases to core deposits | 56.6734% | 3,569 |
| Total domestic deposits to total assets | 88.2992% | 1,874 |
| Equity capital to assets | 8.5720% | 4,003 |
| Core capital (leverage) ratio | 9.3182% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,134,000 | 2,424 |
| Average earning assets | $281,406,800 | 2,429 |
| Average equity | $29,652,400 | 2,560 |
| Average total loans | $164,238,600 | 2,515 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 1,873 |
| Cost of funding earning assets | 0.2866% | 2,732 |
| Net interest margin | 3.5787% | 1,653 |
| Noninterest income to average assets | 0.6955% | 1,837 |
| Noninterest expense to average assets | 3.1182% | 792 |
| Loan and lease loss provision to assets | -0.0181% | 4,348 |
| Net operating income to assets | 0.7114% | 3,739 |
| Return on assets (ROA) | 0.7114% | 3,804 |
| Pretax return on assets | 0.9192% | 3,653 |
| Return on Equity (ROE) | 7.0166% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.6343% | 3,361 |
| Net charge-offs to loans | 0.0139% | 1,815 |
| Credit loss provision to net charge-offs | -235.2941% | 3,428 |
| Earnings coverage of net charge-offs (x) | 116.2941% | 792 |
| Efficiency ratio | 77.5825% | 910 |
| Assets per employee ($millions) | 3.6577% | 4,588 |
| Cash dividends to net income (ytd only)* | 33.9526% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 2,665 |
| Loan loss allowance to noncurrent loans | 370.3180% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,869 |
| Noncurrent loans to loans | 0.3409% | 2,561 |
| Net loans and leases to total assets | 53.9980% | 2,971 |
| Net loans and leases to deposits | 62.1402% | 3,024 |
| Net loans and leases to core deposits | 64.2722% | 3,114 |
| Total domestic deposits to total assets | 86.8971% | 2,392 |
| Equity capital to assets | 9.8406% | 3,067 |
| Core capital (leverage) ratio | 9.8335% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,551,750 | 2,488 |
| Average earning assets | $271,708,500 | 2,497 |
| Average equity | $29,662,250 | 2,590 |
| Average total loans | $162,750,500 | 2,560 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 2,018 |
| Cost of funding earning assets | 0.3058% | 2,728 |
| Net interest margin | 3.5135% | 1,821 |
| Noninterest income to average assets | 0.6522% | 1,997 |
| Noninterest expense to average assets | 3.1059% | 833 |
| Loan and lease loss provision to assets | -0.0277% | 4,460 |
| Net operating income to assets | 0.6536% | 3,868 |
| Return on assets (ROA) | 0.6536% | 3,930 |
| Pretax return on assets | 0.8433% | 3,783 |
| Return on Equity (ROE) | 6.3802% | 3,817 |
| Retained earnings to average equity (ytd only) | 2.7981% | 3,910 |
| Net charge-offs to loans | 0.0148% | 1,652 |
| Credit loss provision to net charge-offs | -333.3333% | 3,348 |
| Earnings coverage of net charge-offs (x) | 98.1667% | 760 |
| Efficiency ratio | 79.2020% | 835 |
| Assets per employee ($millions) | 3.5742% | 4,636 |
| Cash dividends to net income (ytd only)* | 56.1441% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,440 |
| Loan loss allowance to noncurrent loans | 517.4877% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,339 |
| Noncurrent loans to loans | 0.2512% | 3,046 |
| Net loans and leases to total assets | 53.1420% | 3,235 |
| Net loans and leases to deposits | 61.2226% | 3,283 |
| Net loans and leases to core deposits | 62.8505% | 3,386 |
| Total domestic deposits to total assets | 86.8013% | 2,425 |
| Equity capital to assets | 9.9129% | 2,930 |
| Core capital (leverage) ratio | 9.8506% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,872,667 | 2,503 |
| Average earning assets | $268,789,667 | 2,513 |
| Average equity | $29,591,333 | 2,589 |
| Average total loans | $161,658,000 | 2,583 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 1,695 |
| Cost of funding earning assets | 0.3328% | 2,683 |
| Net interest margin | 3.6217% | 1,530 |
| Noninterest income to average assets | 0.6300% | 2,090 |
| Noninterest expense to average assets | 3.1046% | 833 |
| Loan and lease loss provision to assets | 0.0847% | 1,542 |
| Net operating income to assets | 0.6384% | 3,843 |
| Return on assets (ROA) | 0.6384% | 3,909 |
| Pretax return on assets | 0.8221% | 3,769 |
| Return on Equity (ROE) | 6.1276% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,846 |
| Net charge-offs to loans | 0.0322% | 1,164 |
| Credit loss provision to net charge-offs | 461.5385% | 611 |
| Earnings coverage of net charge-offs (x) | 49.3846% | 909 |
| Efficiency ratio | 77.3944% | 1,009 |
| Assets per employee ($millions) | 3.6825% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 2,063 |
| Loan loss allowance to noncurrent loans | 176.8489% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 2,096 |
| Noncurrent loans to loans | 0.7791% | 1,685 |
| Net loans and leases to total assets | 54.8231% | 3,157 |
| Net loans and leases to deposits | 63.3988% | 3,177 |
| Net loans and leases to core deposits | 65.7338% | 3,266 |
| Total domestic deposits to total assets | 86.4734% | 2,536 |
| Equity capital to assets | 10.1155% | 2,597 |
| Core capital (leverage) ratio | 10.4053% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,191,500 | 2,521 |
| Average earning assets | $264,409,000 | 2,526 |
| Average equity | $29,506,000 | 2,585 |
| Average total loans | $161,661,000 | 2,580 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 1,927 |
| Cost of funding earning assets | 0.6215% | 2,172 |
| Net interest margin | 3.6585% | 1,944 |
| Noninterest income to average assets | 0.6812% | 1,923 |
| Noninterest expense to average assets | 3.1875% | 1,076 |
| Loan and lease loss provision to assets | 0.1089% | 2,986 |
| Net operating income to assets | 0.6302% | 3,651 |
| Return on assets (ROA) | 0.6510% | 3,719 |
| Pretax return on assets | 0.8432% | 3,517 |
| Return on Equity (ROE) | 6.3044% | 3,481 |
| Retained earnings to average equity (ytd only) | 3.4334% | 3,110 |
| Net charge-offs to loans | 0.0203% | 2,659 |
| Credit loss provision to net charge-offs | 838.2353% | 869 |
| Earnings coverage of net charge-offs (x) | 71.2647% | 963 |
| Efficiency ratio | 77.4940% | 1,081 |
| Assets per employee ($millions) | 3.6253% | 4,595 |
| Cash dividends to net income (ytd only)* | 45.5399% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3156% | 2,337 |
| Loan loss allowance to noncurrent loans | 351.7974% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 3,120 |
| Noncurrent loans to loans | 0.3740% | 2,863 |
| Net loans and leases to total assets | 57.8538% | 3,101 |
| Net loans and leases to deposits | 68.9404% | 2,984 |
| Net loans and leases to core deposits | 71.9696% | 3,075 |
| Total domestic deposits to total assets | 83.9187% | 3,140 |
| Equity capital to assets | 10.7315% | 2,491 |
| Core capital (leverage) ratio | 10.4409% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,741,600 | 2,509 |
| Average earning assets | $245,539,200 | 2,487 |
| Average equity | $27,028,800 | 2,677 |
| Average total loans | $167,128,600 | 2,509 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,181 |
| Cost of funding earning assets | 0.6791% | 2,146 |
| Net interest margin | 3.5945% | 2,289 |
| Noninterest income to average assets | 0.6729% | 1,890 |
| Noninterest expense to average assets | 3.2148% | 1,053 |
| Loan and lease loss provision to assets | 0.1088% | 2,961 |
| Net operating income to assets | 0.5602% | 3,879 |
| Return on assets (ROA) | 0.5885% | 3,903 |
| Pretax return on assets | 0.7604% | 3,748 |
| Return on Equity (ROE) | 5.7598% | 3,633 |
| Retained earnings to average equity (ytd only) | 4.3046% | 2,896 |
| Net charge-offs to loans | 0.0040% | 3,024 |
| Credit loss provision to net charge-offs | 4,200.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 321.8000% | 336 |
| Efficiency ratio | 79.4114% | 908 |
| Assets per employee ($millions) | 3.5186% | 4,655 |
| Cash dividends to net income (ytd only)* | 25.2641% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,607 |
| Loan loss allowance to noncurrent loans | 463.0769% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 3,583 |
| Noncurrent loans to loans | 0.2614% | 3,364 |
| Net loans and leases to total assets | 63.4796% | 2,825 |
| Net loans and leases to deposits | 77.7854% | 2,553 |
| Net loans and leases to core deposits | 82.0613% | 2,656 |
| Total domestic deposits to total assets | 81.6086% | 3,514 |
| Equity capital to assets | 11.0199% | 2,384 |
| Core capital (leverage) ratio | 10.4935% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,389,500 | 2,517 |
| Average earning assets | $241,697,500 | 2,503 |
| Average equity | $26,296,750 | 2,708 |
| Average total loans | $167,997,750 | 2,508 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 2,364 |
| Cost of funding earning assets | 0.7384% | 2,183 |
| Net interest margin | 3.6009% | 2,480 |
| Noninterest income to average assets | 0.6833% | 1,795 |
| Noninterest expense to average assets | 3.2672% | 1,047 |
| Loan and lease loss provision to assets | 0.1068% | 2,941 |
| Net operating income to assets | 0.5354% | 3,918 |
| Return on assets (ROA) | 0.5354% | 3,998 |
| Pretax return on assets | 0.6920% | 3,889 |
| Return on Equity (ROE) | 5.3923% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.1063% | 3,340 |
| Net charge-offs to loans | 0.0012% | 2,985 |
| Credit loss provision to net charge-offs | 13,500.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 1,010.0000% | 88 |
| Efficiency ratio | 80.3540% | 870 |
| Assets per employee ($millions) | 3.5400% | 4,637 |
| Cash dividends to net income (ytd only)* | 42.3929% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,472 |
| Loan loss allowance to noncurrent loans | 415.5102% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,644 |
| Noncurrent loans to loans | 0.2908% | 3,339 |
| Net loans and leases to total assets | 60.2784% | 3,294 |
| Net loans and leases to deposits | 73.5285% | 3,121 |
| Net loans and leases to core deposits | 77.0048% | 3,193 |
| Total domestic deposits to total assets | 81.9797% | 3,375 |
| Equity capital to assets | 10.6649% | 2,605 |
| Core capital (leverage) ratio | 10.9594% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,874,000 | 2,526 |
| Average earning assets | $237,554,333 | 2,504 |
| Average equity | $25,110,000 | 2,771 |
| Average total loans | $165,965,000 | 2,510 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,949 |
| Cost of funding earning assets | 0.8439% | 2,142 |
| Net interest margin | 3.7737% | 2,072 |
| Noninterest income to average assets | 0.7743% | 1,386 |
| Noninterest expense to average assets | 3.5051% | 930 |
| Loan and lease loss provision to assets | 0.0995% | 2,443 |
| Net operating income to assets | 0.5455% | 3,760 |
| Return on assets (ROA) | 0.5455% | 3,821 |
| Pretax return on assets | 0.7063% | 3,666 |
| Return on Equity (ROE) | 5.7365% | 3,412 |
| Retained earnings to average equity (ytd only) | 0.7323% | 3,811 |
| Net charge-offs to loans | 0.0073% | 2,308 |
| Credit loss provision to net charge-offs | 2,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 406 |
| Efficiency ratio | 81.3077% | 1,017 |
| Assets per employee ($millions) | 3.3791% | 4,576 |
| Cash dividends to net income (ytd only)* | 87.2340% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,703 |
| Loan loss allowance to noncurrent loans | 566.1850% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,655 |
| Noncurrent loans to loans | 0.2108% | 3,719 |
| Net loans and leases to total assets | 64.8528% | 2,962 |
| Net loans and leases to deposits | 78.3345% | 2,849 |
| Net loans and leases to core deposits | 82.0740% | 3,018 |
| Total domestic deposits to total assets | 82.7895% | 3,178 |
| Equity capital to assets | 9.2245% | 4,449 |
| Core capital (leverage) ratio | 9.4985% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0789% | 1,584 |
| Memoranda: | ||
| Average total assets | $241,250,000 | 2,543 |
| Average earning assets | $226,092,500 | 2,526 |
| Average equity | $22,941,000 | 2,929 |
| Average total loans | $164,708,500 | 2,492 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 1,755 |
| Cost of funding earning assets | 0.9544% | 1,934 |
| Net interest margin | 3.9426% | 2,024 |
| Noninterest income to average assets | 0.8640% | 1,261 |
| Noninterest expense to average assets | 3.2773% | 1,343 |
| Loan and lease loss provision to assets | 0.1124% | 1,864 |
| Net operating income to assets | 0.8908% | 3,246 |
| Return on assets (ROA) | 0.8908% | 3,333 |
| Pretax return on assets | 1.1719% | 2,944 |
| Return on Equity (ROE) | 9.3120% | 2,603 |
| Retained earnings to average equity (ytd only) | 5.5465% | 2,134 |
| Net charge-offs to loans | 0.1115% | 1,614 |
| Credit loss provision to net charge-offs | 139.0374% | 1,854 |
| Earnings coverage of net charge-offs (x) | 15.8824% | 2,207 |
| Efficiency ratio | 71.8457% | 1,890 |
| Assets per employee ($millions) | 3.2739% | 4,663 |
| Cash dividends to net income (ytd only)* | 40.4369% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,691 |
| Loan loss allowance to noncurrent loans | 337.2340% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 2,886 |
| Noncurrent loans to loans | 0.3412% | 3,220 |
| Net loans and leases to total assets | 70.2911% | 2,349 |
| Net loans and leases to deposits | 83.4419% | 2,394 |
| Net loans and leases to core deposits | 87.2992% | 2,674 |
| Total domestic deposits to total assets | 84.2396% | 2,772 |
| Equity capital to assets | 9.8155% | 4,090 |
| Core capital (leverage) ratio | 9.4744% | 4,090 |
| Tier 1 risk-based capital ratio | 14.7500% | 2,885 |
| Total risk-based capital ratio | 15.9999% | 2,810 |
| Memoranda: | ||
| Average total assets | $231,255,600 | 2,568 |
| Average earning assets | $216,884,800 | 2,553 |
| Average equity | $22,122,000 | 2,949 |
| Average total loans | $167,772,400 | 2,430 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 1,905 |
| Cost of funding earning assets | 0.9528% | 1,982 |
| Net interest margin | 3.9201% | 2,191 |
| Noninterest income to average assets | 0.7568% | 1,570 |
| Noninterest expense to average assets | 3.2126% | 1,444 |
| Loan and lease loss provision to assets | 0.0664% | 2,559 |
| Net operating income to assets | 0.8792% | 3,418 |
| Return on assets (ROA) | 0.8792% | 3,500 |
| Pretax return on assets | 1.1569% | 3,114 |
| Return on Equity (ROE) | 9.2517% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.7186% | 2,000 |
| Net charge-offs to loans | 0.1338% | 1,196 |
| Credit loss provision to net charge-offs | 68.0473% | 2,638 |
| Earnings coverage of net charge-offs (x) | 12.5383% | 2,348 |
| Efficiency ratio | 72.4232% | 1,776 |
| Assets per employee ($millions) | 3.3139% | 4,657 |
| Cash dividends to net income (ytd only)* | 27.3803% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,376 |
| Loan loss allowance to noncurrent loans | 144.0747% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,435 |
| Noncurrent loans to loans | 0.7175% | 2,171 |
| Net loans and leases to total assets | 72.2241% | 2,143 |
| Net loans and leases to deposits | 87.8086% | 1,958 |
| Net loans and leases to core deposits | 93.5060% | 2,222 |
| Total domestic deposits to total assets | 82.2517% | 3,399 |
| Equity capital to assets | 9.6787% | 4,309 |
| Core capital (leverage) ratio | 9.4707% | 4,195 |
| Tier 1 risk-based capital ratio | 14.1462% | 3,259 |
| Total risk-based capital ratio | 15.2739% | 3,224 |
| Memoranda: | ||
| Average total assets | $230,957,250 | 2,597 |
| Average earning assets | $216,755,250 | 2,578 |
| Average equity | $21,948,500 | 2,989 |
| Average total loans | $168,392,250 | 2,448 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8419% | 1,926 |
| Cost of funding earning assets | 0.9113% | 2,088 |
| Net interest margin | 3.9306% | 2,153 |
| Noninterest income to average assets | 0.7381% | 1,571 |
| Noninterest expense to average assets | 3.2181% | 1,463 |
| Loan and lease loss provision to assets | 0.0523% | 2,773 |
| Net operating income to assets | 0.8766% | 3,378 |
| Return on assets (ROA) | 0.8766% | 3,442 |
| Pretax return on assets | 1.1546% | 3,064 |
| Return on Equity (ROE) | 9.2832% | 2,738 |
| Retained earnings to average equity (ytd only) | 5.4352% | 2,549 |
| Net charge-offs to loans | 0.0060% | 2,937 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 289 |
| Efficiency ratio | 72.7255% | 1,811 |
| Assets per employee ($millions) | 3.5736% | 4,411 |
| Cash dividends to net income (ytd only)* | 41.4513% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,972 |
| Loan loss allowance to noncurrent loans | 102.5027% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 1,787 |
| Noncurrent loans to loans | 1.0918% | 1,499 |
| Net loans and leases to total assets | 70.5799% | 2,453 |
| Net loans and leases to deposits | 85.4948% | 2,313 |
| Net loans and leases to core deposits | 90.3995% | 2,565 |
| Total domestic deposits to total assets | 82.5546% | 3,355 |
| Equity capital to assets | 9.3905% | 4,512 |
| Core capital (leverage) ratio | 9.4375% | 4,211 |
| Tier 1 risk-based capital ratio | 13.9417% | 3,345 |
| Total risk-based capital ratio | 15.1494% | 3,274 |
| Memoranda: | ||
| Average total assets | $229,513,000 | 2,615 |
| Average earning assets | $215,287,330 | 2,599 |
| Average equity | $21,673,670 | 3,004 |
| Average total loans | $167,286,000 | 2,471 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 1,891 |
| Cost of funding earning assets | 0.8787% | 2,104 |
| Net interest margin | 3.9239% | 2,116 |
| Noninterest income to average assets | 0.6928% | 1,640 |
| Noninterest expense to average assets | 3.2482% | 1,389 |
| Loan and lease loss provision to assets | 0.0530% | 2,601 |
| Net operating income to assets | 0.8094% | 3,582 |
| Return on assets (ROA) | 0.8094% | 3,620 |
| Pretax return on assets | 1.0692% | 3,246 |
| Return on Equity (ROE) | 8.5462% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.5462% | 1,472 |
| Net charge-offs to loans | 0.0072% | 2,438 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 211.6667% | 364 |
| Efficiency ratio | 74.3227% | 1,710 |
| Assets per employee ($millions) | 3.4972% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,150 |
| Loan loss allowance to noncurrent loans | 102.5981% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,796 |
| Noncurrent loans to loans | 1.0686% | 1,559 |
| Net loans and leases to total assets | 72.5355% | 2,072 |
| Net loans and leases to deposits | 86.7676% | 2,028 |
| Net loans and leases to core deposits | 90.9993% | 2,399 |
| Total domestic deposits to total assets | 83.5975% | 3,185 |
| Equity capital to assets | 9.4230% | 4,328 |
| Core capital (leverage) ratio | 9.6348% | 3,985 |
| Tier 1 risk-based capital ratio | 13.9217% | 3,380 |
| Total risk-based capital ratio | 15.1169% | 3,323 |
| Memoranda: | ||
| Average total assets | $226,341,500 | 2,666 |
| Average earning assets | $212,133,500 | 2,648 |
| Average equity | $21,436,500 | 3,032 |
| Average total loans | $166,753,500 | 2,501 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 1,475 |
| Cost of funding earning assets | 0.7178% | 1,981 |
| Net interest margin | 4.1106% | 1,650 |
| Noninterest income to average assets | 0.7921% | 1,477 |
| Noninterest expense to average assets | 3.4607% | 1,051 |
| Loan and lease loss provision to assets | 0.0422% | 3,347 |
| Net operating income to assets | 0.8519% | 3,600 |
| Return on assets (ROA) | 0.8497% | 3,608 |
| Pretax return on assets | 1.1172% | 3,212 |
| Return on Equity (ROE) | 8.7709% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.7819% | 2,902 |
| Net charge-offs to loans | 0.0172% | 3,111 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 91.8889% | 783 |
| Efficiency ratio | 74.8607% | 1,513 |
| Assets per employee ($millions) | 3.2154% | 4,815 |
| Cash dividends to net income (ytd only)* | 45.4796% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,014 |
| Loan loss allowance to noncurrent loans | 90.8143% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 1,527 |
| Noncurrent loans to loans | 1.2264% | 1,295 |
| Net loans and leases to total assets | 73.1963% | 2,061 |
| Net loans and leases to deposits | 87.7475% | 2,073 |
| Net loans and leases to core deposits | 91.7684% | 2,427 |
| Total domestic deposits to total assets | 83.4169% | 3,186 |
| Equity capital to assets | 9.5207% | 4,114 |
| Core capital (leverage) ratio | 9.8661% | 3,727 |
| Tier 1 risk-based capital ratio | 13.7759% | 3,401 |
| Total risk-based capital ratio | 14.9666% | 3,356 |
| Memoranda: | ||
| Average total assets | $213,485,800 | 2,745 |
| Average earning assets | $198,948,400 | 2,731 |
| Average equity | $20,682,000 | 3,022 |
| Average total loans | $156,976,200 | 2,556 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8535% | 1,293 |
| Cost of funding earning assets | 0.7033% | 1,827 |
| Net interest margin | 4.1502% | 1,494 |
| Noninterest income to average assets | 0.7991% | 1,478 |
| Noninterest expense to average assets | 3.4129% | 1,097 |
| Loan and lease loss provision to assets | 0.0473% | 3,041 |
| Net operating income to assets | 0.9133% | 3,465 |
| Return on assets (ROA) | 0.9133% | 3,471 |
| Pretax return on assets | 1.2022% | 2,974 |
| Return on Equity (ROE) | 9.3848% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.7016% | 2,277 |
| Net charge-offs to loans | 0.0146% | 2,899 |
| Credit loss provision to net charge-offs | 441.1765% | 769 |
| Earnings coverage of net charge-offs (x) | 116.5095% | 671 |
| Efficiency ratio | 73.2008% | 1,700 |
| Assets per employee ($millions) | 3.0590% | 4,997 |
| Cash dividends to net income (ytd only)* | 28.5913% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,752 |
| Loan loss allowance to noncurrent loans | 99.0766% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 1,694 |
| Noncurrent loans to loans | 1.1889% | 1,425 |
| Net loans and leases to total assets | 72.5025% | 2,252 |
| Net loans and leases to deposits | 85.8832% | 2,384 |
| Net loans and leases to core deposits | 89.9262% | 2,666 |
| Total domestic deposits to total assets | 84.4199% | 2,805 |
| Equity capital to assets | 9.9327% | 3,717 |
| Core capital (leverage) ratio | 9.9566% | 3,687 |
| Tier 1 risk-based capital ratio | 14.3910% | 3,175 |
| Total risk-based capital ratio | 15.6289% | 3,094 |
| Memoranda: | ||
| Average total assets | $211,391,000 | 2,781 |
| Average earning assets | $196,773,750 | 2,765 |
| Average equity | $20,571,750 | 3,058 |
| Average total loans | $155,163,750 | 2,593 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 1,132 |
| Cost of funding earning assets | 0.7052% | 1,591 |
| Net interest margin | 4.1429% | 1,433 |
| Noninterest income to average assets | 0.7877% | 1,508 |
| Noninterest expense to average assets | 3.4506% | 1,070 |
| Loan and lease loss provision to assets | 0.0567% | 2,778 |
| Net operating income to assets | 0.8653% | 3,604 |
| Return on assets (ROA) | 0.8653% | 3,605 |
| Pretax return on assets | 1.1357% | 3,180 |
| Return on Equity (ROE) | 8.9527% | 3,043 |
| Retained earnings to average equity (ytd only) | 4.9020% | 3,124 |
| Net charge-offs to loans | 0.0142% | 2,665 |
| Credit loss provision to net charge-offs | 545.4545% | 665 |
| Earnings coverage of net charge-offs (x) | 114.6364% | 629 |
| Efficiency ratio | 74.3177% | 1,662 |
| Assets per employee ($millions) | 3.1281% | 4,988 |
| Cash dividends to net income (ytd only)* | 45.2459% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,888 |
| Loan loss allowance to noncurrent loans | 100.0551% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 1,777 |
| Noncurrent loans to loans | 1.1680% | 1,491 |
| Net loans and leases to total assets | 71.1135% | 2,421 |
| Net loans and leases to deposits | 83.6464% | 2,575 |
| Net loans and leases to core deposits | 88.1241% | 2,707 |
| Total domestic deposits to total assets | 85.0167% | 2,666 |
| Equity capital to assets | 9.5200% | 4,079 |
| Core capital (leverage) ratio | 9.7714% | 3,816 |
| Tier 1 risk-based capital ratio | 13.8965% | 3,406 |
| Total risk-based capital ratio | 15.1166% | 3,340 |
| Memoranda: | ||
| Average total assets | $211,498,000 | 2,796 |
| Average earning assets | $196,817,670 | 2,781 |
| Average equity | $20,440,670 | 3,087 |
| Average total loans | $155,266,670 | 2,604 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5827% | 1,620 |
| Cost of funding earning assets | 0.5954% | 2,087 |
| Net interest margin | 3.9873% | 1,766 |
| Noninterest income to average assets | 0.8083% | 1,426 |
| Noninterest expense to average assets | 3.4530% | 1,079 |
| Loan and lease loss provision to assets | 0.0573% | 2,624 |
| Net operating income to assets | 0.7739% | 3,817 |
| Return on assets (ROA) | 0.7739% | 3,815 |
| Pretax return on assets | 1.0090% | 3,501 |
| Return on Equity (ROE) | 7.9462% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.9462% | 1,860 |
| Net charge-offs to loans | 0.0077% | 2,461 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 354 |
| Efficiency ratio | 76.4059% | 1,538 |
| Assets per employee ($millions) | 3.0904% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 3,043 |
| Loan loss allowance to noncurrent loans | 92.8534% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 1,754 |
| Noncurrent loans to loans | 1.2487% | 1,451 |
| Net loans and leases to total assets | 71.6801% | 2,226 |
| Net loans and leases to deposits | 87.3414% | 2,011 |
| Net loans and leases to core deposits | 92.1022% | 2,297 |
| Total domestic deposits to total assets | 82.0689% | 3,940 |
| Equity capital to assets | 9.6108% | 3,985 |
| Core capital (leverage) ratio | 9.8914% | 3,659 |
| Tier 1 risk-based capital ratio | 13.8726% | 3,451 |
| Total risk-based capital ratio | 15.0815% | 3,388 |
| Memoranda: | ||
| Average total assets | $209,326,500 | 2,854 |
| Average earning assets | $194,818,500 | 2,830 |
| Average equity | $20,387,000 | 3,121 |
| Average total loans | $155,246,500 | 2,624 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 1,573 |
| Cost of funding earning assets | 0.5034% | 2,300 |
| Net interest margin | 4.0422% | 1,615 |
| Noninterest income to average assets | 0.7990% | 1,572 |
| Noninterest expense to average assets | 3.1699% | 1,679 |
| Loan and lease loss provision to assets | 0.0880% | 2,431 |
| Net operating income to assets | 0.8180% | 3,083 |
| Return on assets (ROA) | 0.8180% | 3,126 |
| Pretax return on assets | 1.2998% | 2,351 |
| Return on Equity (ROE) | 8.3720% | 2,620 |
| Retained earnings to average equity (ytd only) | 4.5711% | 2,409 |
| Net charge-offs to loans | -0.0472% | 5,168 |
| Credit loss provision to net charge-offs | -257.1429% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5508% | 2,622 |
| Assets per employee ($millions) | 3.0659% | 5,149 |
| Cash dividends to net income (ytd only)* | 45.4002% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 3,166 |
| Loan loss allowance to noncurrent loans | 94.3880% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 1,700 |
| Noncurrent loans to loans | 1.2005% | 1,480 |
| Net loans and leases to total assets | 75.0114% | 1,751 |
| Net loans and leases to deposits | 91.8681% | 1,546 |
| Net loans and leases to core deposits | 97.0993% | 1,934 |
| Total domestic deposits to total assets | 81.6512% | 3,954 |
| Equity capital to assets | 9.8727% | 3,849 |
| Core capital (leverage) ratio | 9.6912% | 3,824 |
| Tier 1 risk-based capital ratio | 13.4503% | 3,655 |
| Total risk-based capital ratio | 14.6267% | 3,611 |
| Memoranda: | ||
| Average total assets | $204,641,000 | 2,876 |
| Average earning assets | $190,294,000 | 2,861 |
| Average equity | $19,995,200 | 3,148 |
| Average total loans | $148,394,400 | 2,671 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 1,749 |
| Cost of funding earning assets | 0.4768% | 2,458 |
| Net interest margin | 3.9864% | 1,749 |
| Noninterest income to average assets | 0.8074% | 1,558 |
| Noninterest expense to average assets | 3.0501% | 1,957 |
| Loan and lease loss provision to assets | 0.0880% | 2,323 |
| Net operating income to assets | 0.8928% | 3,062 |
| Return on assets (ROA) | 0.8928% | 3,117 |
| Pretax return on assets | 1.3767% | 2,193 |
| Return on Equity (ROE) | 9.1613% | 2,518 |
| Retained earnings to average equity (ytd only) | 6.6986% | 1,842 |
| Net charge-offs to loans | -0.0719% | 5,283 |
| Credit loss provision to net charge-offs | -170.8861% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5574% | 2,956 |
| Assets per employee ($millions) | 3.1982% | 5,067 |
| Cash dividends to net income (ytd only)* | 26.8807% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,501 |
| Loan loss allowance to noncurrent loans | 315.3005% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 4,014 |
| Noncurrent loans to loans | 0.3476% | 3,702 |
| Net loans and leases to total assets | 75.1358% | 1,736 |
| Net loans and leases to deposits | 93.1385% | 1,407 |
| Net loans and leases to core deposits | 98.6042% | 1,836 |
| Total domestic deposits to total assets | 80.6710% | 4,147 |
| Equity capital to assets | 9.8545% | 4,083 |
| Core capital (leverage) ratio | 9.8566% | 3,744 |
| Tier 1 risk-based capital ratio | 13.6905% | 3,587 |
| Total risk-based capital ratio | 14.8592% | 3,557 |
| Memoranda: | ||
| Average total assets | $204,447,750 | 2,901 |
| Average earning assets | $190,143,250 | 2,892 |
| Average equity | $19,924,000 | 3,175 |
| Average total loans | $146,530,500 | 2,707 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 1,989 |
| Cost of funding earning assets | 0.4434% | 2,662 |
| Net interest margin | 3.9000% | 1,927 |
| Noninterest income to average assets | 0.8205% | 1,498 |
| Noninterest expense to average assets | 3.0713% | 1,906 |
| Loan and lease loss provision to assets | 0.0885% | 2,212 |
| Net operating income to assets | 0.8372% | 3,214 |
| Return on assets (ROA) | 0.8372% | 3,267 |
| Pretax return on assets | 1.2858% | 2,442 |
| Return on Equity (ROE) | 8.6235% | 2,705 |
| Retained earnings to average equity (ytd only) | 4.8944% | 2,780 |
| Net charge-offs to loans | -0.1135% | 5,445 |
| Credit loss provision to net charge-offs | -111.1111% | 4,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0861% | 2,832 |
| Assets per employee ($millions) | 3.3124% | 4,968 |
| Cash dividends to net income (ytd only)* | 43.2432% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 3,269 |
| Loan loss allowance to noncurrent loans | 627.5093% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,473 |
| Noncurrent loans to loans | 0.1844% | 4,379 |
| Net loans and leases to total assets | 69.0953% | 2,652 |
| Net loans and leases to deposits | 83.7820% | 2,512 |
| Net loans and leases to core deposits | 88.9956% | 2,617 |
| Total domestic deposits to total assets | 82.4703% | 3,742 |
| Equity capital to assets | 9.5841% | 4,331 |
| Core capital (leverage) ratio | 9.8557% | 3,708 |
| Tier 1 risk-based capital ratio | 14.4746% | 3,180 |
| Total risk-based capital ratio | 15.7111% | 3,110 |
| Memoranda: | ||
| Average total assets | $203,302,000 | 2,929 |
| Average earning assets | $188,975,000 | 2,921 |
| Average equity | $19,736,670 | 3,187 |
| Average total loans | $142,731,670 | 2,762 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 2,032 |
| Cost of funding earning assets | 0.3949% | 3,043 |
| Net interest margin | 3.8806% | 1,851 |
| Noninterest income to average assets | 0.8733% | 1,325 |
| Noninterest expense to average assets | 3.1384% | 1,769 |
| Loan and lease loss provision to assets | 0.0897% | 2,046 |
| Net operating income to assets | 0.8175% | 3,138 |
| Return on assets (ROA) | 0.8175% | 3,195 |
| Pretax return on assets | 1.2502% | 2,413 |
| Return on Equity (ROE) | 8.3652% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.3652% | 1,318 |
| Net charge-offs to loans | 0.0680% | 1,649 |
| Credit loss provision to net charge-offs | 187.5000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,260 |
| Efficiency ratio | 70.0801% | 2,877 |
| Assets per employee ($millions) | 3.1341% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,809 |
| Loan loss allowance to noncurrent loans | 334.3478% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 4,122 |
| Noncurrent loans to loans | 0.3238% | 3,962 |
| Net loans and leases to total assets | 70.0648% | 2,368 |
| Net loans and leases to deposits | 82.8507% | 2,413 |
| Net loans and leases to core deposits | 88.2267% | 2,529 |
| Total domestic deposits to total assets | 84.5675% | 3,274 |
| Equity capital to assets | 9.8957% | 3,880 |
| Core capital (leverage) ratio | 10.0045% | 3,490 |
| Tier 1 risk-based capital ratio | 14.9758% | 2,975 |
| Total risk-based capital ratio | 16.1457% | 2,946 |
| Memoranda: | ||
| Average total assets | $200,613,000 | 2,993 |
| Average earning assets | $186,362,000 | 2,981 |
| Average equity | $19,605,000 | 3,219 |
| Average total loans | $141,159,500 | 2,802 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,075 |
| Cost of funding earning assets | 0.3868% | 3,135 |
| Net interest margin | 3.9336% | 1,839 |
| Noninterest income to average assets | 0.8430% | 1,608 |
| Noninterest expense to average assets | 3.2150% | 1,755 |
| Loan and lease loss provision to assets | 0.1535% | 1,633 |
| Net operating income to assets | 0.7346% | 3,622 |
| Return on assets (ROA) | 0.7376% | 3,714 |
| Pretax return on assets | 1.1254% | 2,995 |
| Return on Equity (ROE) | 7.4789% | 3,230 |
| Retained earnings to average equity (ytd only) | 4.1232% | 2,971 |
| Net charge-offs to loans | -0.0082% | 4,889 |
| Credit loss provision to net charge-offs | -2,727.2727% | 5,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6158% | 2,648 |
| Assets per employee ($millions) | 3.1848% | 5,166 |
| Cash dividends to net income (ytd only)* | 44.8682% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,818 |
| Loan loss allowance to noncurrent loans | 275.3176% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 4,125 |
| Noncurrent loans to loans | 0.3929% | 3,737 |
| Net loans and leases to total assets | 69.1407% | 2,603 |
| Net loans and leases to deposits | 81.3614% | 2,748 |
| Net loans and leases to core deposits | 85.6265% | 2,877 |
| Total domestic deposits to total assets | 84.9798% | 3,056 |
| Equity capital to assets | 9.6495% | 4,119 |
| Core capital (leverage) ratio | 10.0011% | 3,479 |
| Tier 1 risk-based capital ratio | 14.9092% | 3,010 |
| Total risk-based capital ratio | 16.0825% | 2,977 |
| Memoranda: | ||
| Average total assets | $195,491,200 | 3,004 |
| Average earning assets | $181,209,600 | 3,002 |
| Average equity | $19,281,000 | 3,241 |
| Average total loans | $134,619,400 | 2,855 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,104 |
| Cost of funding earning assets | 0.3897% | 3,131 |
| Net interest margin | 3.9307% | 1,875 |
| Noninterest income to average assets | 0.8280% | 1,656 |
| Noninterest expense to average assets | 3.1815% | 1,825 |
| Loan and lease loss provision to assets | 0.1545% | 1,505 |
| Net operating income to assets | 0.7415% | 3,639 |
| Return on assets (ROA) | 0.7442% | 3,760 |
| Pretax return on assets | 1.1383% | 3,088 |
| Return on Equity (ROE) | 7.5038% | 3,294 |
| Retained earnings to average equity (ytd only) | 5.2955% | 2,632 |
| Net charge-offs to loans | 0.0180% | 3,360 |
| Credit loss provision to net charge-offs | 1,250.0000% | 335 |
| Earnings coverage of net charge-offs (x) | 104.2750% | 638 |
| Efficiency ratio | 71.1719% | 2,709 |
| Assets per employee ($millions) | 2.9503% | 5,428 |
| Cash dividends to net income (ytd only)* | 29.4278% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 4,226 |
| Loan loss allowance to noncurrent loans | 180.9219% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 3,712 |
| Noncurrent loans to loans | 0.5706% | 3,289 |
| Net loans and leases to total assets | 70.6404% | 2,401 |
| Net loans and leases to deposits | 84.1063% | 2,468 |
| Net loans and leases to core deposits | 88.1928% | 2,739 |
| Total domestic deposits to total assets | 83.9894% | 3,212 |
| Equity capital to assets | 10.2734% | 3,832 |
| Core capital (leverage) ratio | 9.9279% | 3,663 |
| Tier 1 risk-based capital ratio | 15.1791% | 2,960 |
| Total risk-based capital ratio | 16.2935% | 2,967 |
| Memoranda: | ||
| Average total assets | $194,203,250 | 3,029 |
| Average earning assets | $179,946,250 | 3,023 |
| Average equity | $19,261,000 | 3,260 |
| Average total loans | $133,213,500 | 2,882 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2831% | 2,208 |
| Cost of funding earning assets | 0.3877% | 3,176 |
| Net interest margin | 3.8955% | 1,992 |
| Noninterest income to average assets | 0.7435% | 1,958 |
| Noninterest expense to average assets | 3.1577% | 1,913 |
| Loan and lease loss provision to assets | 0.1538% | 1,487 |
| Net operating income to assets | 0.6820% | 3,889 |
| Return on assets (ROA) | 0.6861% | 4,012 |
| Pretax return on assets | 1.0450% | 3,415 |
| Return on Equity (ROE) | 7.0000% | 3,539 |
| Retained earnings to average equity (ytd only) | 3.6622% | 3,561 |
| Net charge-offs to loans | 0.0364% | 2,730 |
| Credit loss provision to net charge-offs | 625.0000% | 544 |
| Earnings coverage of net charge-offs (x) | 48.4583% | 1,013 |
| Efficiency ratio | 72.5837% | 2,574 |
| Assets per employee ($millions) | 3.1001% | 5,326 |
| Cash dividends to net income (ytd only)* | 47.6831% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 4,562 |
| Loan loss allowance to noncurrent loans | 215.8833% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3354% | 4,157 |
| Noncurrent loans to loans | 0.4610% | 3,717 |
| Net loans and leases to total assets | 67.8383% | 2,801 |
| Net loans and leases to deposits | 80.2215% | 2,905 |
| Net loans and leases to core deposits | 84.0159% | 3,078 |
| Total domestic deposits to total assets | 84.5638% | 3,069 |
| Equity capital to assets | 9.8803% | 4,355 |
| Core capital (leverage) ratio | 9.8342% | 3,772 |
| Tier 1 risk-based capital ratio | 15.3058% | 2,937 |
| Total risk-based capital ratio | 16.3883% | 2,944 |
| Memoranda: | ||
| Average total assets | $195,015,330 | 3,042 |
| Average earning assets | $180,568,670 | 3,037 |
| Average equity | $19,114,330 | 3,286 |
| Average total loans | $131,992,000 | 2,903 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 2,183 |
| Cost of funding earning assets | 0.3904% | 3,184 |
| Net interest margin | 3.8952% | 1,948 |
| Noninterest income to average assets | 0.6917% | 2,078 |
| Noninterest expense to average assets | 3.1406% | 1,985 |
| Loan and lease loss provision to assets | 0.1539% | 1,368 |
| Net operating income to assets | 0.6589% | 3,936 |
| Return on assets (ROA) | 0.6589% | 4,058 |
| Pretax return on assets | 1.0017% | 3,477 |
| Return on Equity (ROE) | 6.7497% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.7497% | 2,010 |
| Net charge-offs to loans | -0.0214% | 4,894 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1008% | 2,621 |
| Assets per employee ($millions) | 2.9874% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9675% | 4,773 |
| Loan loss allowance to noncurrent loans | 207.0740% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,288 |
| Noncurrent loans to loans | 0.4672% | 3,774 |
| Net loans and leases to total assets | 67.8935% | 2,660 |
| Net loans and leases to deposits | 80.4694% | 2,735 |
| Net loans and leases to core deposits | 84.3061% | 2,906 |
| Total domestic deposits to total assets | 84.3719% | 3,367 |
| Equity capital to assets | 9.9062% | 4,204 |
| Core capital (leverage) ratio | 9.6582% | 3,959 |
| Tier 1 risk-based capital ratio | 15.2931% | 3,017 |
| Total risk-based capital ratio | 16.3407% | 3,054 |
| Memoranda: | ||
| Average total assets | $194,869,500 | 3,045 |
| Average earning assets | $180,325,000 | 3,043 |
| Average equity | $19,023,000 | 3,301 |
| Average total loans | $131,075,500 | 2,917 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 1,837 |
| Cost of funding earning assets | 0.4226% | 2,914 |
| Net interest margin | 3.9969% | 1,727 |
| Noninterest income to average assets | 0.7263% | 2,083 |
| Noninterest expense to average assets | 3.3549% | 1,594 |
| Loan and lease loss provision to assets | 0.1391% | 1,704 |
| Net operating income to assets | 0.6058% | 4,242 |
| Return on assets (ROA) | 0.6086% | 4,326 |
| Pretax return on assets | 0.9193% | 3,766 |
| Return on Equity (ROE) | 6.0948% | 3,992 |
| Retained earnings to average equity (ytd only) | 2.9564% | 3,958 |
| Net charge-offs to loans | 0.0672% | 2,898 |
| Credit loss provision to net charge-offs | 313.2530% | 948 |
| Earnings coverage of net charge-offs (x) | 23.7470% | 1,711 |
| Efficiency ratio | 76.0917% | 2,256 |
| Assets per employee ($millions) | 2.9630% | 5,557 |
| Cash dividends to net income (ytd only)* | 51.4938% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 4,942 |
| Loan loss allowance to noncurrent loans | 171.7949% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 3,828 |
| Noncurrent loans to loans | 0.5441% | 3,531 |
| Net loans and leases to total assets | 65.3620% | 3,072 |
| Net loans and leases to deposits | 77.0701% | 3,153 |
| Net loans and leases to core deposits | 80.5673% | 3,286 |
| Total domestic deposits to total assets | 84.8085% | 3,171 |
| Equity capital to assets | 9.6187% | 4,411 |
| Core capital (leverage) ratio | 9.7392% | 3,847 |
| Tier 1 risk-based capital ratio | 15.4240% | 2,972 |
| Total risk-based capital ratio | 16.4305% | 3,027 |
| Memoranda: | ||
| Average total assets | $186,983,000 | 3,094 |
| Average earning assets | $172,282,400 | 3,090 |
| Average equity | $18,671,600 | 3,298 |
| Average total loans | $123,547,600 | 2,999 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 1,878 |
| Cost of funding earning assets | 0.4327% | 2,875 |
| Net interest margin | 3.9833% | 1,755 |
| Noninterest income to average assets | 0.7343% | 2,089 |
| Noninterest expense to average assets | 3.2568% | 1,805 |
| Loan and lease loss provision to assets | 0.1298% | 1,735 |
| Net operating income to assets | 0.6663% | 4,051 |
| Return on assets (ROA) | 0.6701% | 4,149 |
| Pretax return on assets | 1.0192% | 3,540 |
| Return on Equity (ROE) | 6.6461% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.6502% | 3,170 |
| Net charge-offs to loans | 0.0338% | 3,237 |
| Credit loss provision to net charge-offs | 580.6452% | 586 |
| Earnings coverage of net charge-offs (x) | 51.1319% | 1,025 |
| Efficiency ratio | 74.0164% | 2,555 |
| Assets per employee ($millions) | 2.8956% | 5,656 |
| Cash dividends to net income (ytd only)* | 30.0321% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9097% | 5,173 |
| Loan loss allowance to noncurrent loans | 144.5399% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 4,051 |
| Noncurrent loans to loans | 0.6293% | 3,430 |
| Net loans and leases to total assets | 68.1777% | 2,653 |
| Net loans and leases to deposits | 81.0887% | 2,759 |
| Net loans and leases to core deposits | 84.9511% | 2,956 |
| Total domestic deposits to total assets | 84.0780% | 3,393 |
| Equity capital to assets | 10.0878% | 4,064 |
| Core capital (leverage) ratio | 9.8259% | 3,872 |
| Tier 1 risk-based capital ratio | 15.4293% | 3,080 |
| Total risk-based capital ratio | 16.4076% | 3,149 |
| Memoranda: | ||
| Average total assets | $184,839,500 | 3,141 |
| Average earning assets | $170,107,500 | 3,146 |
| Average equity | $18,637,000 | 3,325 |
| Average total loans | $122,178,000 | 3,041 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,064 |
| Cost of funding earning assets | 0.4439% | 2,793 |
| Net interest margin | 3.8923% | 2,006 |
| Noninterest income to average assets | 0.6608% | 2,413 |
| Noninterest expense to average assets | 3.2170% | 1,933 |
| Loan and lease loss provision to assets | 0.1306% | 1,694 |
| Net operating income to assets | 0.5919% | 4,385 |
| Return on assets (ROA) | 0.5977% | 4,449 |
| Pretax return on assets | 0.9014% | 3,947 |
| Return on Equity (ROE) | 5.9286% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.9157% | 4,182 |
| Net charge-offs to loans | 0.0267% | 3,145 |
| Credit loss provision to net charge-offs | 750.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 58.7500% | 851 |
| Efficiency ratio | 75.8665% | 2,384 |
| Assets per employee ($millions) | 2.9975% | 5,597 |
| Cash dividends to net income (ytd only)* | 50.8197% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 5,246 |
| Loan loss allowance to noncurrent loans | 154.7814% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 4,350 |
| Noncurrent loans to loans | 0.5909% | 3,691 |
| Net loans and leases to total assets | 64.9951% | 3,126 |
| Net loans and leases to deposits | 76.9872% | 3,163 |
| Net loans and leases to core deposits | 81.1708% | 3,262 |
| Total domestic deposits to total assets | 84.4232% | 3,390 |
| Equity capital to assets | 9.8123% | 4,260 |
| Core capital (leverage) ratio | 9.8138% | 3,844 |
| Tier 1 risk-based capital ratio | 16.1180% | 2,798 |
| Total risk-based capital ratio | 17.1214% | 2,874 |
| Memoranda: | ||
| Average total assets | $183,713,670 | 3,180 |
| Average earning assets | $168,948,670 | 3,177 |
| Average equity | $18,520,330 | 3,357 |
| Average total loans | $119,737,330 | 3,086 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3546% | 1,927 |
| Cost of funding earning assets | 0.4574% | 2,702 |
| Net interest margin | 3.8973% | 1,903 |
| Noninterest income to average assets | 0.5962% | 2,664 |
| Noninterest expense to average assets | 3.2504% | 1,841 |
| Loan and lease loss provision to assets | 0.1325% | 1,556 |
| Net operating income to assets | 0.5262% | 4,561 |
| Return on assets (ROA) | 0.5366% | 4,639 |
| Pretax return on assets | 0.8038% | 4,224 |
| Return on Equity (ROE) | 5.2497% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2497% | 2,920 |
| Net charge-offs to loans | -0.0340% | 5,323 |
| Credit loss provision to net charge-offs | -600.0000% | 4,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9248% | 2,195 |
| Assets per employee ($millions) | 3.0728% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 5,358 |
| Loan loss allowance to noncurrent loans | 159.0449% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 4,476 |
| Noncurrent loans to loans | 0.5811% | 3,836 |
| Net loans and leases to total assets | 64.9821% | 2,941 |
| Net loans and leases to deposits | 77.7359% | 2,840 |
| Net loans and leases to core deposits | 82.1890% | 2,947 |
| Total domestic deposits to total assets | 83.5934% | 3,976 |
| Equity capital to assets | 10.3038% | 3,772 |
| Core capital (leverage) ratio | 10.0423% | 3,543 |
| Tier 1 risk-based capital ratio | 16.3756% | 2,741 |
| Total risk-based capital ratio | 17.3659% | 2,800 |
| Memoranda: | ||
| Average total assets | $181,148,000 | 3,222 |
| Average earning assets | $166,168,000 | 3,232 |
| Average equity | $18,515,500 | 3,383 |
| Average total loans | $117,669,500 | 3,131 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 2,314 |
| Cost of funding earning assets | 0.4726% | 2,956 |
| Net interest margin | 3.8992% | 2,245 |
| Noninterest income to average assets | 0.8604% | 1,642 |
| Noninterest expense to average assets | 3.5315% | 1,416 |
| Loan and lease loss provision to assets | 0.0349% | 3,893 |
| Net operating income to assets | 0.5673% | 4,521 |
| Return on assets (ROA) | 0.5757% | 4,566 |
| Pretax return on assets | 0.8679% | 4,009 |
| Return on Equity (ROE) | 5.5088% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.8517% | 4,204 |
| Net charge-offs to loans | 0.0731% | 3,440 |
| Credit loss provision to net charge-offs | 77.9221% | 2,906 |
| Earnings coverage of net charge-offs (x) | 19.8961% | 1,747 |
| Efficiency ratio | 79.8712% | 1,951 |
| Assets per employee ($millions) | 2.8282% | 5,901 |
| Cash dividends to net income (ytd only)* | 48.2341% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 5,519 |
| Loan loss allowance to noncurrent loans | 104.8930% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 3,843 |
| Noncurrent loans to loans | 0.8426% | 3,210 |
| Net loans and leases to total assets | 63.7575% | 3,256 |
| Net loans and leases to deposits | 76.0707% | 3,190 |
| Net loans and leases to core deposits | 80.4196% | 3,246 |
| Total domestic deposits to total assets | 83.8135% | 3,800 |
| Equity capital to assets | 10.1385% | 3,935 |
| Core capital (leverage) ratio | 10.2944% | 3,179 |
| Tier 1 risk-based capital ratio | 16.3497% | 2,788 |
| Total risk-based capital ratio | 17.2879% | 2,884 |
| Memoranda: | ||
| Average total assets | $172,134,200 | 3,308 |
| Average earning assets | $157,212,800 | 3,325 |
| Average equity | $17,989,400 | 3,399 |
| Average total loans | $105,395,200 | 3,316 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3860% | 2,269 |
| Cost of funding earning assets | 0.4834% | 2,922 |
| Net interest margin | 3.9026% | 2,231 |
| Noninterest income to average assets | 0.8624% | 1,654 |
| Noninterest expense to average assets | 3.5923% | 1,307 |
| Loan and lease loss provision to assets | 0.0235% | 3,935 |
| Net operating income to assets | 0.5377% | 4,720 |
| Return on assets (ROA) | 0.5493% | 4,755 |
| Pretax return on assets | 0.8239% | 4,269 |
| Return on Equity (ROE) | 5.2143% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.4787% | 4,156 |
| Net charge-offs to loans | 0.0857% | 2,985 |
| Credit loss provision to net charge-offs | 45.4545% | 3,187 |
| Earnings coverage of net charge-offs (x) | 16.0299% | 2,009 |
| Efficiency ratio | 81.2278% | 1,719 |
| Assets per employee ($millions) | 2.9422% | 5,795 |
| Cash dividends to net income (ytd only)* | 33.2858% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 5,513 |
| Loan loss allowance to noncurrent loans | 164.4951% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 4,592 |
| Noncurrent loans to loans | 0.5625% | 4,233 |
| Net loans and leases to total assets | 63.3706% | 3,287 |
| Net loans and leases to deposits | 73.8858% | 3,442 |
| Net loans and leases to core deposits | 79.7163% | 3,348 |
| Total domestic deposits to total assets | 85.7683% | 2,974 |
| Equity capital to assets | 10.6788% | 3,332 |
| Core capital (leverage) ratio | 10.4086% | 3,150 |
| Tier 1 risk-based capital ratio | 17.3165% | 2,463 |
| Total risk-based capital ratio | 18.2944% | 2,550 |
| Memoranda: | ||
| Average total assets | $169,917,000 | 3,366 |
| Average earning assets | $155,005,250 | 3,382 |
| Average equity | $17,899,000 | 3,431 |
| Average total loans | $102,636,000 | 3,398 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 2,757 |
| Cost of funding earning assets | 0.4863% | 2,963 |
| Net interest margin | 3.7686% | 2,674 |
| Noninterest income to average assets | 0.8452% | 1,681 |
| Noninterest expense to average assets | 3.6152% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4503% | 5,015 |
| Return on assets (ROA) | 0.4680% | 5,016 |
| Pretax return on assets | 0.6907% | 4,670 |
| Return on Equity (ROE) | 4.4629% | 4,935 |
| Retained earnings to average equity (ytd only) | 1.8436% | 4,966 |
| Net charge-offs to loans | 0.1254% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.9524% | 2,424 |
| Efficiency ratio | 84.4671% | 1,448 |
| Assets per employee ($millions) | 3.0011% | 5,747 |
| Cash dividends to net income (ytd only)* | 58.6902% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 5,598 |
| Loan loss allowance to noncurrent loans | 91.1029% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 3,849 |
| Noncurrent loans to loans | 1.0331% | 3,170 |
| Net loans and leases to total assets | 60.4796% | 3,636 |
| Net loans and leases to deposits | 70.2733% | 3,790 |
| Net loans and leases to core deposits | 74.4166% | 3,795 |
| Total domestic deposits to total assets | 86.0635% | 3,008 |
| Equity capital to assets | 10.4922% | 3,449 |
| Core capital (leverage) ratio | 10.4517% | 3,008 |
| Tier 1 risk-based capital ratio | 17.4516% | 2,434 |
| Total risk-based capital ratio | 18.4273% | 2,508 |
| Memoranda: | ||
| Average total assets | $169,673,670 | 3,386 |
| Average earning assets | $154,645,670 | 3,400 |
| Average equity | $17,791,000 | 3,438 |
| Average total loans | $100,464,670 | 3,449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 2,792 |
| Cost of funding earning assets | 0.5016% | 2,890 |
| Net interest margin | 3.7194% | 2,789 |
| Noninterest income to average assets | 0.7622% | 1,902 |
| Noninterest expense to average assets | 3.6975% | 1,136 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3239% | 5,413 |
| Return on assets (ROA) | 0.3290% | 5,447 |
| Pretax return on assets | 0.4592% | 5,290 |
| Return on Equity (ROE) | 3.1390% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.1390% | 4,241 |
| Net charge-offs to loans | -0.0162% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1044% | 1,119 |
| Assets per employee ($millions) | 2.8648% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0816% | 5,200 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 3,394 |
| Noncurrent loans to loans | 1.2618% | 2,925 |
| Net loans and leases to total assets | 56.8166% | 4,033 |
| Net loans and leases to deposits | 63.8770% | 4,327 |
| Net loans and leases to core deposits | 68.2773% | 4,277 |
| Total domestic deposits to total assets | 88.9469% | 1,697 |
| Equity capital to assets | 10.5413% | 3,208 |
| Core capital (leverage) ratio | 10.4534% | 2,986 |
| Tier 1 risk-based capital ratio | 18.3301% | 2,169 |
| Total risk-based capital ratio | 19.4264% | 2,191 |
| Memoranda: | ||
| Average total assets | $168,980,000 | 3,424 |
| Average earning assets | $153,894,000 | 3,439 |
| Average equity | $17,712,500 | 3,453 |
| Average total loans | $98,477,000 | 3,503 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 2,691 |
| Cost of funding earning assets | 0.6983% | 1,828 |
| Net interest margin | 3.6710% | 3,169 |
| Noninterest income to average assets | 0.8352% | 1,916 |
| Noninterest expense to average assets | 3.5127% | 1,621 |
| Loan and lease loss provision to assets | -0.1558% | 6,554 |
| Net operating income to assets | 0.5558% | 4,476 |
| Return on assets (ROA) | 0.5581% | 4,586 |
| Pretax return on assets | 0.8467% | 3,979 |
| Return on Equity (ROE) | 5.4621% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.8299% | 4,230 |
| Net charge-offs to loans | 0.1144% | 3,673 |
| Credit loss provision to net charge-offs | -228.8136% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.0932% | 2,423 |
| Efficiency ratio | 83.6334% | 1,671 |
| Assets per employee ($millions) | 2.8634% | 6,025 |
| Cash dividends to net income (ytd only)* | 48.1903% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 5,356 |
| Loan loss allowance to noncurrent loans | 126.0241% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 4,160 |
| Noncurrent loans to loans | 0.8311% | 3,904 |
| Net loans and leases to total assets | 58.4980% | 3,956 |
| Net loans and leases to deposits | 65.6800% | 4,331 |
| Net loans and leases to core deposits | 69.4549% | 4,350 |
| Total domestic deposits to total assets | 89.0653% | 1,575 |
| Equity capital to assets | 10.4227% | 3,257 |
| Core capital (leverage) ratio | 10.5135% | 2,902 |
| Tier 1 risk-based capital ratio | 17.9262% | 2,264 |
| Total risk-based capital ratio | 19.0027% | 2,294 |
| Memoranda: | ||
| Average total assets | $173,257,600 | 3,361 |
| Average earning assets | $158,813,000 | 3,367 |
| Average equity | $17,703,800 | 3,469 |
| Average total loans | $103,158,600 | 3,377 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,623 |
| Cost of funding earning assets | 0.7475% | 1,622 |
| Net interest margin | 3.6433% | 3,264 |
| Noninterest income to average assets | 0.8122% | 2,087 |
| Noninterest expense to average assets | 3.5203% | 1,568 |
| Loan and lease loss provision to assets | -0.2065% | 6,724 |
| Net operating income to assets | 0.5537% | 4,565 |
| Return on assets (ROA) | 0.5568% | 4,699 |
| Pretax return on assets | 0.8466% | 4,110 |
| Return on Equity (ROE) | 5.4753% | 4,476 |
| Retained earnings to average equity (ytd only) | 3.7229% | 4,045 |
| Net charge-offs to loans | -0.0064% | 5,815 |
| Credit loss provision to net charge-offs | 5,400.0000% | 56 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7074% | 1,513 |
| Assets per employee ($millions) | 2.8193% | 6,127 |
| Cash dividends to net income (ytd only)* | 32.0057% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,164 |
| Loan loss allowance to noncurrent loans | 107.6427% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 4,145 |
| Noncurrent loans to loans | 1.0592% | 3,681 |
| Net loans and leases to total assets | 60.9359% | 3,534 |
| Net loans and leases to deposits | 68.5683% | 3,988 |
| Net loans and leases to core deposits | 72.4490% | 4,038 |
| Total domestic deposits to total assets | 88.8690% | 1,630 |
| Equity capital to assets | 10.6501% | 3,117 |
| Core capital (leverage) ratio | 10.2398% | 3,342 |
| Tier 1 risk-based capital ratio | 17.5842% | 2,483 |
| Total risk-based capital ratio | 18.7648% | 2,473 |
| Memoranda: | ||
| Average total assets | $174,337,250 | 3,369 |
| Average earning assets | $159,995,500 | 3,372 |
| Average equity | $17,727,750 | 3,499 |
| Average total loans | $103,980,250 | 3,390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,722 |
| Cost of funding earning assets | 0.7844% | 1,501 |
| Net interest margin | 3.5747% | 3,468 |
| Noninterest income to average assets | 0.7864% | 2,255 |
| Noninterest expense to average assets | 3.3208% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5006% | 4,796 |
| Return on assets (ROA) | 0.5051% | 4,942 |
| Pretax return on assets | 0.7627% | 4,454 |
| Return on Equity (ROE) | 5.0417% | 4,711 |
| Retained earnings to average equity (ytd only) | 2.4137% | 4,762 |
| Net charge-offs to loans | 0.0345% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 37.1667% | 977 |
| Efficiency ratio | 81.4579% | 1,967 |
| Assets per employee ($millions) | 2.9648% | 5,905 |
| Cash dividends to net income (ytd only)* | 52.1253% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,092 |
| Loan loss allowance to noncurrent loans | 121.8589% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 4,249 |
| Noncurrent loans to loans | 1.1396% | 3,655 |
| Net loans and leases to total assets | 57.4808% | 4,067 |
| Net loans and leases to deposits | 67.4276% | 4,085 |
| Net loans and leases to core deposits | 71.2032% | 4,146 |
| Total domestic deposits to total assets | 85.2482% | 3,769 |
| Equity capital to assets | 9.9788% | 3,941 |
| Core capital (leverage) ratio | 9.8733% | 3,681 |
| Tier 1 risk-based capital ratio | 17.5303% | 2,503 |
| Total risk-based capital ratio | 18.7921% | 2,465 |
| Memoranda: | ||
| Average total assets | $177,004,000 | 3,349 |
| Average earning assets | $162,921,670 | 3,349 |
| Average equity | $17,732,000 | 3,523 |
| Average total loans | $104,464,330 | 3,393 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4049% | 2,510 |
| Cost of funding earning assets | 0.8302% | 1,364 |
| Net interest margin | 3.5747% | 3,365 |
| Noninterest income to average assets | 0.7841% | 2,192 |
| Noninterest expense to average assets | 3.3295% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4943% | 4,695 |
| Return on assets (ROA) | 0.5032% | 4,791 |
| Pretax return on assets | 0.7571% | 4,341 |
| Return on Equity (ROE) | 5.0138% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.0138% | 3,218 |
| Net charge-offs to loans | 0.0189% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 66.2000% | 544 |
| Efficiency ratio | 81.7430% | 2,077 |
| Assets per employee ($millions) | 3.1057% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 4,429 |
| Loan loss allowance to noncurrent loans | 67.5331% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 3,087 |
| Noncurrent loans to loans | 2.0118% | 2,602 |
| Net loans and leases to total assets | 59.6552% | 3,494 |
| Net loans and leases to deposits | 70.3816% | 3,412 |
| Net loans and leases to core deposits | 74.2281% | 3,549 |
| Total domestic deposits to total assets | 84.7597% | 4,151 |
| Equity capital to assets | 10.3053% | 3,790 |
| Core capital (leverage) ratio | 9.6775% | 3,821 |
| Tier 1 risk-based capital ratio | 16.9289% | 2,780 |
| Total risk-based capital ratio | 18.1902% | 2,754 |
| Memoranda: | ||
| Average total assets | $178,045,500 | 3,367 |
| Average earning assets | $163,819,000 | 3,374 |
| Average equity | $17,870,500 | 3,544 |
| Average total loans | $105,715,500 | 3,388 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 3,032 |
| Cost of funding earning assets | 0.9760% | 1,490 |
| Net interest margin | 3.6166% | 4,015 |
| Noninterest income to average assets | 0.7877% | 2,314 |
| Noninterest expense to average assets | 3.1333% | 2,833 |
| Loan and lease loss provision to assets | 0.0656% | 4,939 |
| Net operating income to assets | 0.6102% | 4,191 |
| Return on assets (ROA) | 0.6102% | 4,452 |
| Pretax return on assets | 0.9226% | 3,843 |
| Return on Equity (ROE) | 6.3571% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.9367% | 4,158 |
| Net charge-offs to loans | 0.1620% | 4,084 |
| Credit loss provision to net charge-offs | 69.3642% | 4,190 |
| Earnings coverage of net charge-offs (x) | 10.4566% | 2,138 |
| Efficiency ratio | 76.0239% | 2,737 |
| Assets per employee ($millions) | 2.9864% | 6,037 |
| Cash dividends to net income (ytd only)* | 53.8048% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 4,407 |
| Loan loss allowance to noncurrent loans | 114.6283% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,232 |
| Noncurrent loans to loans | 1.1774% | 3,884 |
| Net loans and leases to total assets | 57.5369% | 4,053 |
| Net loans and leases to deposits | 68.3809% | 3,924 |
| Net loans and leases to core deposits | 73.1137% | 3,906 |
| Total domestic deposits to total assets | 84.1417% | 4,253 |
| Equity capital to assets | 9.7810% | 4,482 |
| Core capital (leverage) ratio | 9.4465% | 4,185 |
| Tier 1 risk-based capital ratio | 16.4465% | 2,922 |
| Total risk-based capital ratio | 17.7075% | 2,882 |
| Memoranda: | ||
| Average total assets | $183,065,800 | 3,272 |
| Average earning assets | $168,748,000 | 3,250 |
| Average equity | $17,570,800 | 3,525 |
| Average total loans | $106,773,600 | 3,357 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,079 |
| Cost of funding earning assets | 0.9930% | 1,603 |
| Net interest margin | 3.6420% | 4,048 |
| Noninterest income to average assets | 0.7820% | 2,325 |
| Noninterest expense to average assets | 3.1388% | 2,763 |
| Loan and lease loss provision to assets | 0.0873% | 4,517 |
| Net operating income to assets | 0.6052% | 4,371 |
| Return on assets (ROA) | 0.6052% | 4,634 |
| Pretax return on assets | 0.9122% | 4,061 |
| Return on Equity (ROE) | 6.3357% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.4876% | 4,416 |
| Net charge-offs to loans | -0.0075% | 6,315 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8481% | 2,698 |
| Assets per employee ($millions) | 3.0299% | 6,008 |
| Cash dividends to net income (ytd only)* | 44.9514% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,798 |
| Loan loss allowance to noncurrent loans | 157.0594% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 4,668 |
| Noncurrent loans to loans | 0.9767% | 4,485 |
| Net loans and leases to total assets | 56.9507% | 4,304 |
| Net loans and leases to deposits | 67.8131% | 4,216 |
| Net loans and leases to core deposits | 74.4328% | 3,922 |
| Total domestic deposits to total assets | 83.9819% | 4,231 |
| Equity capital to assets | 9.8463% | 4,716 |
| Core capital (leverage) ratio | 9.3522% | 4,500 |
| Tier 1 risk-based capital ratio | 16.4322% | 3,040 |
| Total risk-based capital ratio | 17.6692% | 3,012 |
| Memoranda: | ||
| Average total assets | $183,289,750 | 3,293 |
| Average earning assets | $168,911,750 | 3,279 |
| Average equity | $17,509,000 | 3,568 |
| Average total loans | $106,904,750 | 3,395 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 3,111 |
| Cost of funding earning assets | 1.0122% | 1,692 |
| Net interest margin | 3.6437% | 4,064 |
| Noninterest income to average assets | 0.7911% | 2,227 |
| Noninterest expense to average assets | 3.1525% | 2,741 |
| Loan and lease loss provision to assets | 0.1306% | 3,896 |
| Net operating income to assets | 0.5757% | 4,470 |
| Return on assets (ROA) | 0.5757% | 4,741 |
| Pretax return on assets | 0.8651% | 4,213 |
| Return on Equity (ROE) | 6.0879% | 4,281 |
| Retained earnings to average equity (ytd only) | 1.7838% | 5,302 |
| Net charge-offs to loans | 0.0056% | 5,417 |
| Credit loss provision to net charge-offs | 4,000.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 305.0000% | 139 |
| Efficiency ratio | 75.9969% | 2,744 |
| Assets per employee ($millions) | 2.9566% | 6,143 |
| Cash dividends to net income (ytd only)* | 70.6994% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 3,911 |
| Loan loss allowance to noncurrent loans | 145.8182% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 4,690 |
| Noncurrent loans to loans | 1.0438% | 4,433 |
| Net loans and leases to total assets | 56.6162% | 4,380 |
| Net loans and leases to deposits | 67.0426% | 4,356 |
| Net loans and leases to core deposits | 72.3250% | 4,263 |
| Total domestic deposits to total assets | 84.4480% | 4,118 |
| Equity capital to assets | 9.5151% | 5,033 |
| Core capital (leverage) ratio | 9.1817% | 4,640 |
| Tier 1 risk-based capital ratio | 16.1970% | 3,069 |
| Total risk-based capital ratio | 17.4513% | 3,030 |
| Memoranda: | ||
| Average total assets | $183,788,330 | 3,297 |
| Average earning assets | $169,333,000 | 3,280 |
| Average equity | $17,378,670 | 3,588 |
| Average total loans | $107,491,000 | 3,390 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 3,296 |
| Cost of funding earning assets | 1.0590% | 1,624 |
| Net interest margin | 3.5849% | 4,329 |
| Noninterest income to average assets | 0.7716% | 2,292 |
| Noninterest expense to average assets | 3.1604% | 2,736 |
| Loan and lease loss provision to assets | 0.1304% | 3,717 |
| Net operating income to assets | 0.5282% | 4,697 |
| Return on assets (ROA) | 0.5282% | 4,909 |
| Pretax return on assets | 0.7847% | 4,476 |
| Return on Equity (ROE) | 5.6033% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.6033% | 3,200 |
| Net charge-offs to loans | 0.0258% | 4,322 |
| Credit loss provision to net charge-offs | 857.1429% | 408 |
| Earnings coverage of net charge-offs (x) | 60.1429% | 550 |
| Efficiency ratio | 77.5467% | 2,560 |
| Assets per employee ($millions) | 2.9171% | 6,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,443 |
| Loan loss allowance to noncurrent loans | 112.8205% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 4,525 |
| Noncurrent loans to loans | 1.2726% | 4,200 |
| Net loans and leases to total assets | 57.5282% | 4,126 |
| Net loans and leases to deposits | 68.1767% | 4,027 |
| Net loans and leases to core deposits | 73.6705% | 3,936 |
| Total domestic deposits to total assets | 84.3810% | 4,333 |
| Equity capital to assets | 9.4974% | 4,811 |
| Core capital (leverage) ratio | 9.0302% | 4,789 |
| Tier 1 risk-based capital ratio | 16.2518% | 3,043 |
| Total risk-based capital ratio | 17.5144% | 2,997 |
| Memoranda: | ||
| Average total assets | $184,028,500 | 3,319 |
| Average earning assets | $169,599,500 | 3,295 |
| Average equity | $17,347,000 | 3,600 |
| Average total loans | $108,543,500 | 3,390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 3,359 |
| Cost of funding earning assets | 1.3338% | 1,326 |
| Net interest margin | 3.5666% | 4,863 |
| Noninterest income to average assets | 0.8632% | 1,789 |
| Noninterest expense to average assets | 3.0044% | 3,575 |
| Loan and lease loss provision to assets | 0.3025% | 3,248 |
| Net operating income to assets | 0.5598% | 4,187 |
| Return on assets (ROA) | 0.5591% | 4,379 |
| Pretax return on assets | 0.8167% | 3,923 |
| Return on Equity (ROE) | 6.1429% | 3,796 |
| Retained earnings to average equity (ytd only) | 3.3712% | 3,822 |
| Net charge-offs to loans | 0.3741% | 3,536 |
| Credit loss provision to net charge-offs | 132.7014% | 2,294 |
| Earnings coverage of net charge-offs (x) | 4.9147% | 2,944 |
| Efficiency ratio | 72.8392% | 3,421 |
| Assets per employee ($millions) | 2.9251% | 6,238 |
| Cash dividends to net income (ytd only)* | 45.1208% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,649 |
| Loan loss allowance to noncurrent loans | 79.0957% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 4,198 |
| Noncurrent loans to loans | 1.7118% | 3,595 |
| Net loans and leases to total assets | 58.7890% | 4,229 |
| Net loans and leases to deposits | 71.1344% | 3,932 |
| Net loans and leases to core deposits | 76.9663% | 3,832 |
| Total domestic deposits to total assets | 82.6450% | 4,902 |
| Equity capital to assets | 9.3553% | 5,084 |
| Core capital (leverage) ratio | 8.8766% | 4,985 |
| Tier 1 risk-based capital ratio | 15.8220% | 3,148 |
| Total risk-based capital ratio | 17.0743% | 3,104 |
| Memoranda: | ||
| Average total assets | $185,128,400 | 3,257 |
| Average earning assets | $169,291,200 | 3,262 |
| Average equity | $16,848,800 | 3,602 |
| Average total loans | $112,808,400 | 3,316 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 3,520 |
| Cost of funding earning assets | 1.3933% | 1,261 |
| Net interest margin | 3.5140% | 5,126 |
| Noninterest income to average assets | 0.8143% | 1,981 |
| Noninterest expense to average assets | 3.0027% | 3,544 |
| Loan and lease loss provision to assets | 0.2734% | 3,322 |
| Net operating income to assets | 0.5182% | 4,463 |
| Return on assets (ROA) | 0.5172% | 4,654 |
| Pretax return on assets | 0.7446% | 4,334 |
| Return on Equity (ROE) | 5.7229% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.9877% | 3,879 |
| Net charge-offs to loans | 0.4567% | 2,906 |
| Credit loss provision to net charge-offs | 97.6864% | 3,504 |
| Earnings coverage of net charge-offs (x) | 3.6427% | 3,355 |
| Efficiency ratio | 74.6557% | 3,056 |
| Assets per employee ($millions) | 3.0538% | 6,003 |
| Cash dividends to net income (ytd only)* | 30.3200% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 5,503 |
| Loan loss allowance to noncurrent loans | 151.0710% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 5,239 |
| Noncurrent loans to loans | 0.7887% | 5,301 |
| Net loans and leases to total assets | 59.6510% | 4,200 |
| Net loans and leases to deposits | 72.3751% | 3,923 |
| Net loans and leases to core deposits | 78.1071% | 3,891 |
| Total domestic deposits to total assets | 82.4191% | 4,916 |
| Equity capital to assets | 9.2789% | 5,409 |
| Core capital (leverage) ratio | 8.7427% | 5,349 |
| Tier 1 risk-based capital ratio | 15.3293% | 3,475 |
| Total risk-based capital ratio | 16.5869% | 3,438 |
| Memoranda: | ||
| Average total assets | $185,340,250 | 3,270 |
| Average earning assets | $169,185,000 | 3,266 |
| Average equity | $16,751,000 | 3,623 |
| Average total loans | $113,554,500 | 3,332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 3,766 |
| Cost of funding earning assets | 1.4288% | 1,285 |
| Net interest margin | 3.4383% | 5,415 |
| Noninterest income to average assets | 0.7296% | 2,375 |
| Noninterest expense to average assets | 3.0688% | 3,364 |
| Loan and lease loss provision to assets | 0.3459% | 2,707 |
| Net operating income to assets | 0.3367% | 5,225 |
| Return on assets (ROA) | 0.3351% | 5,366 |
| Pretax return on assets | 0.4421% | 5,255 |
| Return on Equity (ROE) | 3.7410% | 5,044 |
| Retained earnings to average equity (ytd only) | 1.1102% | 5,416 |
| Net charge-offs to loans | 0.5126% | 2,564 |
| Credit loss provision to net charge-offs | 109.5890% | 2,804 |
| Earnings coverage of net charge-offs (x) | 2.5034% | 3,571 |
| Efficiency ratio | 79.5238% | 2,462 |
| Assets per employee ($millions) | 3.1277% | 5,813 |
| Cash dividends to net income (ytd only)* | 70.3226% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 5,481 |
| Loan loss allowance to noncurrent loans | 175.6378% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 5,063 |
| Noncurrent loans to loans | 0.6929% | 5,523 |
| Net loans and leases to total assets | 59.5586% | 4,360 |
| Net loans and leases to deposits | 72.9812% | 3,959 |
| Net loans and leases to core deposits | 78.3016% | 4,020 |
| Total domestic deposits to total assets | 81.6081% | 5,314 |
| Equity capital to assets | 8.8984% | 5,707 |
| Core capital (leverage) ratio | 8.6248% | 5,354 |
| Tier 1 risk-based capital ratio | 14.8148% | 3,604 |
| Total risk-based capital ratio | 16.0651% | 3,573 |
| Memoranda: | ||
| Average total assets | $185,026,330 | 3,298 |
| Average earning assets | $168,395,330 | 3,304 |
| Average equity | $16,573,000 | 3,640 |
| Average total loans | $113,919,670 | 3,363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8054% | 4,033 |
| Cost of funding earning assets | 1.4898% | 1,207 |
| Net interest margin | 3.3156% | 5,723 |
| Noninterest income to average assets | 0.7403% | 2,315 |
| Noninterest expense to average assets | 3.0549% | 3,441 |
| Loan and lease loss provision to assets | 0.1306% | 4,366 |
| Net operating income to assets | 0.4133% | 4,887 |
| Return on assets (ROA) | 0.4181% | 4,957 |
| Pretax return on assets | 0.5705% | 4,797 |
| Return on Equity (ROE) | 4.6517% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.6517% | 3,399 |
| Net charge-offs to loans | 0.0245% | 4,744 |
| Credit loss provision to net charge-offs | 857.1429% | 446 |
| Earnings coverage of net charge-offs (x) | 45.5714% | 619 |
| Efficiency ratio | 81.4750% | 2,308 |
| Assets per employee ($millions) | 2.9979% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 5,461 |
| Loan loss allowance to noncurrent loans | 109.7886% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 5,017 |
| Noncurrent loans to loans | 1.1245% | 4,823 |
| Net loans and leases to total assets | 61.3301% | 4,002 |
| Net loans and leases to deposits | 75.5054% | 3,492 |
| Net loans and leases to core deposits | 81.3324% | 3,555 |
| Total domestic deposits to total assets | 81.2261% | 5,600 |
| Equity capital to assets | 9.0763% | 5,083 |
| Core capital (leverage) ratio | 8.6451% | 5,180 |
| Tier 1 risk-based capital ratio | 14.9943% | 3,427 |
| Total risk-based capital ratio | 16.2454% | 3,388 |
| Memoranda: | ||
| Average total assets | $183,707,500 | 3,343 |
| Average earning assets | $166,729,000 | 3,347 |
| Average equity | $16,510,000 | 3,636 |
| Average total loans | $114,306,000 | 3,380 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 3,086 |
| Cost of funding earning assets | 1.7323% | 1,455 |
| Net interest margin | 3.5768% | 4,927 |
| Noninterest income to average assets | 0.7236% | 2,687 |
| Noninterest expense to average assets | 3.1604% | 3,238 |
| Loan and lease loss provision to assets | 0.2825% | 4,544 |
| Net operating income to assets | 0.3873% | 4,601 |
| Return on assets (ROA) | 0.3873% | 4,744 |
| Pretax return on assets | 0.4998% | 4,621 |
| Return on Equity (ROE) | 4.2965% | 4,388 |
| Retained earnings to average equity (ytd only) | 1.6492% | 4,693 |
| Net charge-offs to loans | 0.4209% | 3,933 |
| Credit loss provision to net charge-offs | 105.1020% | 4,267 |
| Earnings coverage of net charge-offs (x) | 2.9102% | 3,620 |
| Efficiency ratio | 80.1586% | 2,395 |
| Assets per employee ($millions) | 2.9293% | 6,251 |
| Cash dividends to net income (ytd only)* | 61.6147% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 5,634 |
| Loan loss allowance to noncurrent loans | 117.1007% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 5,366 |
| Noncurrent loans to loans | 1.0013% | 5,059 |
| Net loans and leases to total assets | 61.6146% | 4,370 |
| Net loans and leases to deposits | 76.9297% | 3,694 |
| Net loans and leases to core deposits | 82.9021% | 3,762 |
| Total domestic deposits to total assets | 80.0920% | 5,807 |
| Equity capital to assets | 8.8987% | 5,283 |
| Core capital (leverage) ratio | 8.7115% | 4,997 |
| Tier 1 risk-based capital ratio | 14.2721% | 3,696 |
| Total risk-based capital ratio | 15.4881% | 3,671 |
| Memoranda: | ||
| Average total assets | $182,288,800 | 3,342 |
| Average earning assets | $164,056,600 | 3,376 |
| Average equity | $16,431,800 | 3,682 |
| Average total loans | $116,411,000 | 3,393 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3742% | 3,002 |
| Cost of funding earning assets | 1.7696% | 1,552 |
| Net interest margin | 3.6046% | 4,848 |
| Noninterest income to average assets | 0.7146% | 2,741 |
| Noninterest expense to average assets | 3.1952% | 2,943 |
| Loan and lease loss provision to assets | 0.3338% | 3,934 |
| Net operating income to assets | 0.3448% | 4,995 |
| Return on assets (ROA) | 0.3448% | 5,166 |
| Pretax return on assets | 0.4255% | 5,150 |
| Return on Equity (ROE) | 3.8131% | 4,870 |
| Retained earnings to average equity (ytd only) | 2.0525% | 4,928 |
| Net charge-offs to loans | 0.2638% | 4,369 |
| Credit loss provision to net charge-offs | 196.9697% | 1,813 |
| Earnings coverage of net charge-offs (x) | 4.4806% | 3,033 |
| Efficiency ratio | 80.7978% | 2,248 |
| Assets per employee ($millions) | 2.8445% | 6,493 |
| Cash dividends to net income (ytd only)* | 46.1709% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 4,831 |
| Loan loss allowance to noncurrent loans | 109.3220% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 5,155 |
| Noncurrent loans to loans | 1.2117% | 4,823 |
| Net loans and leases to total assets | 64.3453% | 4,055 |
| Net loans and leases to deposits | 81.2374% | 3,230 |
| Net loans and leases to core deposits | 87.6063% | 3,426 |
| Total domestic deposits to total assets | 79.2065% | 5,969 |
| Equity capital to assets | 9.2386% | 5,248 |
| Core capital (leverage) ratio | 8.5558% | 5,411 |
| Tier 1 risk-based capital ratio | 14.1200% | 3,747 |
| Total risk-based capital ratio | 15.3799% | 3,716 |
| Memoranda: | ||
| Average total assets | $181,725,000 | 3,400 |
| Average earning assets | $163,344,000 | 3,431 |
| Average equity | $16,434,250 | 3,733 |
| Average total loans | $116,750,000 | 3,428 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 3,331 |
| Cost of funding earning assets | 1.7628% | 1,800 |
| Net interest margin | 3.5647% | 4,973 |
| Noninterest income to average assets | 0.6781% | 2,831 |
| Noninterest expense to average assets | 3.1561% | 3,067 |
| Loan and lease loss provision to assets | 0.4327% | 3,151 |
| Net operating income to assets | 0.2651% | 5,314 |
| Return on assets (ROA) | 0.2651% | 5,461 |
| Pretax return on assets | 0.2925% | 5,519 |
| Return on Equity (ROE) | 2.9524% | 5,251 |
| Retained earnings to average equity (ytd only) | 0.3050% | 5,635 |
| Net charge-offs to loans | 0.3581% | 3,561 |
| Credit loss provision to net charge-offs | 188.9952% | 2,084 |
| Earnings coverage of net charge-offs (x) | 3.1675% | 3,420 |
| Efficiency ratio | 81.3153% | 2,255 |
| Assets per employee ($millions) | 2.9117% | 6,333 |
| Cash dividends to net income (ytd only)* | 89.6694% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,918 |
| Loan loss allowance to noncurrent loans | 93.6144% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 5,392 |
| Noncurrent loans to loans | 1.3885% | 4,622 |
| Net loans and leases to total assets | 61.5267% | 4,771 |
| Net loans and leases to deposits | 79.7450% | 3,643 |
| Net loans and leases to core deposits | 85.7323% | 3,872 |
| Total domestic deposits to total assets | 77.1543% | 6,459 |
| Equity capital to assets | 8.7867% | 5,773 |
| Core capital (leverage) ratio | 8.5604% | 5,311 |
| Tier 1 risk-based capital ratio | 13.8032% | 3,873 |
| Total risk-based capital ratio | 15.0537% | 3,840 |
| Memoranda: | ||
| Average total assets | $182,565,000 | 3,405 |
| Average earning assets | $164,054,670 | 3,446 |
| Average equity | $16,393,670 | 3,738 |
| Average total loans | $116,714,000 | 3,461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 3,023 |
| Cost of funding earning assets | 1.7609% | 2,066 |
| Net interest margin | 3.6426% | 4,528 |
| Noninterest income to average assets | 0.6420% | 2,979 |
| Noninterest expense to average assets | 3.1261% | 3,154 |
| Loan and lease loss provision to assets | 0.1328% | 5,239 |
| Net operating income to assets | 0.4893% | 4,446 |
| Return on assets (ROA) | 0.4893% | 4,582 |
| Pretax return on assets | 0.6531% | 4,396 |
| Return on Equity (ROE) | 5.3891% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.3891% | 2,937 |
| Net charge-offs to loans | -0.0103% | 6,899 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9095% | 2,578 |
| Assets per employee ($millions) | 2.8077% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 5,545 |
| Loan loss allowance to noncurrent loans | 109.9921% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 5,756 |
| Noncurrent loans to loans | 1.0834% | 5,187 |
| Net loans and leases to total assets | 64.0027% | 4,329 |
| Net loans and leases to deposits | 84.0414% | 2,933 |
| Net loans and leases to core deposits | 90.6775% | 3,273 |
| Total domestic deposits to total assets | 76.1561% | 6,729 |
| Equity capital to assets | 9.1817% | 5,014 |
| Core capital (leverage) ratio | 8.7906% | 4,870 |
| Tier 1 risk-based capital ratio | 14.1244% | 3,582 |
| Total risk-based capital ratio | 15.3657% | 3,551 |
| Memoranda: | ||
| Average total assets | $180,672,500 | 3,489 |
| Average earning assets | $162,190,500 | 3,526 |
| Average equity | $16,403,500 | 3,761 |
| Average total loans | $116,988,500 | 3,517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6690% | 3,260 |
| Cost of funding earning assets | 1.9122% | 3,395 |
| Net interest margin | 3.7568% | 3,883 |
| Noninterest income to average assets | 0.8330% | 2,257 |
| Noninterest expense to average assets | 3.2362% | 3,251 |
| Loan and lease loss provision to assets | 0.1717% | 5,973 |
| Net operating income to assets | 0.6254% | 3,234 |
| Return on assets (ROA) | 0.6258% | 3,290 |
| Pretax return on assets | 0.8392% | 3,117 |
| Return on Equity (ROE) | 6.9043% | 2,826 |
| Retained earnings to average equity (ytd only) | 2.4277% | 3,434 |
| Net charge-offs to loans | 0.1283% | 5,915 |
| Credit loss provision to net charge-offs | 208.9041% | 1,841 |
| Earnings coverage of net charge-offs (x) | 12.2945% | 1,519 |
| Efficiency ratio | 76.2094% | 3,489 |
| Assets per employee ($millions) | 2.8383% | 6,588 |
| Cash dividends to net income (ytd only)* | 64.8381% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,770 |
| Loan loss allowance to noncurrent loans | 154.8538% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 6,227 |
| Noncurrent loans to loans | 0.7272% | 5,802 |
| Net loans and leases to total assets | 64.0002% | 4,596 |
| Net loans and leases to deposits | 83.5762% | 3,351 |
| Net loans and leases to core deposits | 102.5963% | 3,736 |
| Total domestic deposits to total assets | 76.5771% | 6,571 |
| Equity capital to assets | 8.9777% | 5,178 |
| Core capital (leverage) ratio | 8.7401% | 4,857 |
| Tier 1 risk-based capital ratio | 13.7357% | 3,666 |
| Total risk-based capital ratio | 14.9044% | 3,654 |
| Memoranda: | ||
| Average total assets | $177,679,200 | 3,475 |
| Average earning assets | $161,440,400 | 3,490 |
| Average equity | $16,105,800 | 3,852 |
| Average total loans | $113,818,200 | 3,613 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6873% | 3,402 |
| Cost of funding earning assets | 1.9509% | 3,617 |
| Net interest margin | 3.7364% | 3,928 |
| Noninterest income to average assets | 0.8301% | 2,289 |
| Noninterest expense to average assets | 3.1709% | 3,398 |
| Loan and lease loss provision to assets | 0.1456% | 5,905 |
| Net operating income to assets | 0.6816% | 3,272 |
| Return on assets (ROA) | 0.6822% | 3,329 |
| Pretax return on assets | 0.9236% | 3,154 |
| Return on Equity (ROE) | 7.5072% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.2519% | 2,896 |
| Net charge-offs to loans | 0.0614% | 6,088 |
| Credit loss provision to net charge-offs | 371.1538% | 1,091 |
| Earnings coverage of net charge-offs (x) | 27.2314% | 1,000 |
| Efficiency ratio | 74.7953% | 3,726 |
| Assets per employee ($millions) | 2.7026% | 6,846 |
| Cash dividends to net income (ytd only)* | 43.3626% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,577 |
| Loan loss allowance to noncurrent loans | 133.1295% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 5,975 |
| Noncurrent loans to loans | 0.8437% | 5,609 |
| Net loans and leases to total assets | 65.4441% | 4,546 |
| Net loans and leases to deposits | 87.1620% | 3,118 |
| Net loans and leases to core deposits | 108.4719% | 3,415 |
| Total domestic deposits to total assets | 75.0833% | 6,761 |
| Equity capital to assets | 9.3682% | 4,929 |
| Core capital (leverage) ratio | 8.9193% | 4,780 |
| Tier 1 risk-based capital ratio | 13.9254% | 3,592 |
| Total risk-based capital ratio | 15.0852% | 3,600 |
| Memoranda: | ||
| Average total assets | $176,686,250 | 3,513 |
| Average earning assets | $161,221,500 | 3,528 |
| Average equity | $16,055,250 | 3,900 |
| Average total loans | $112,877,500 | 3,656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 3,667 |
| Cost of funding earning assets | 1.9886% | 3,828 |
| Net interest margin | 3.6906% | 3,993 |
| Noninterest income to average assets | 0.7795% | 2,523 |
| Noninterest expense to average assets | 3.1408% | 3,535 |
| Loan and lease loss provision to assets | 0.1186% | 5,945 |
| Net operating income to assets | 0.6680% | 3,395 |
| Return on assets (ROA) | 0.6688% | 3,502 |
| Pretax return on assets | 0.8970% | 3,347 |
| Return on Equity (ROE) | 7.4366% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.5124% | 3,933 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5846% | 3,774 |
| Assets per employee ($millions) | 2.7071% | 6,812 |
| Cash dividends to net income (ytd only)* | 66.2162% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 5,460 |
| Loan loss allowance to noncurrent loans | 379.1045% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 7,035 |
| Noncurrent loans to loans | 0.2953% | 6,776 |
| Net loans and leases to total assets | 63.7543% | 5,035 |
| Net loans and leases to deposits | 84.7872% | 3,755 |
| Net loans and leases to core deposits | 102.2747% | 4,266 |
| Total domestic deposits to total assets | 75.1932% | 6,721 |
| Equity capital to assets | 9.0555% | 5,234 |
| Core capital (leverage) ratio | 8.6105% | 5,245 |
| Tier 1 risk-based capital ratio | 13.9273% | 3,565 |
| Total risk-based capital ratio | 15.0781% | 3,552 |
| Memoranda: | ||
| Average total assets | $177,025,330 | 3,527 |
| Average earning assets | $161,925,000 | 3,526 |
| Average equity | $15,921,330 | 3,938 |
| Average total loans | $111,746,330 | 3,723 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,953 |
| Cost of funding earning assets | 2.0068% | 4,093 |
| Net interest margin | 3.6610% | 4,057 |
| Noninterest income to average assets | 0.7524% | 2,583 |
| Noninterest expense to average assets | 3.0165% | 3,691 |
| Loan and lease loss provision to assets | 0.1194% | 5,435 |
| Net operating income to assets | 0.7119% | 3,499 |
| Return on assets (ROA) | 0.7119% | 3,693 |
| Pretax return on assets | 0.9619% | 3,493 |
| Return on Equity (ROE) | 7.9422% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.9422% | 1,834 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6119% | 3,895 |
| Assets per employee ($millions) | 2.7428% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,532 |
| Loan loss allowance to noncurrent loans | 187.6733% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 6,273 |
| Noncurrent loans to loans | 0.5814% | 5,948 |
| Net loans and leases to total assets | 61.9321% | 5,343 |
| Net loans and leases to deposits | 85.4751% | 3,719 |
| Net loans and leases to core deposits | 102.6648% | 4,273 |
| Total domestic deposits to total assets | 72.4563% | 7,139 |
| Equity capital to assets | 9.0922% | 5,237 |
| Core capital (leverage) ratio | 8.7275% | 5,101 |
| Tier 1 risk-based capital ratio | 14.1238% | 3,509 |
| Total risk-based capital ratio | 15.2346% | 3,519 |
| Memoranda: | ||
| Average total assets | $177,558,000 | 3,550 |
| Average earning assets | $162,251,500 | 3,535 |
| Average equity | $15,915,000 | 3,957 |
| Average total loans | $110,893,500 | 3,771 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1081% | 5,000 |
| Cost of funding earning assets | 2.4043% | 4,707 |
| Net interest margin | 3.7039% | 4,458 |
| Noninterest income to average assets | 0.8222% | 2,397 |
| Noninterest expense to average assets | 3.1813% | 3,411 |
| Loan and lease loss provision to assets | 0.1056% | 6,022 |
| Net operating income to assets | 0.6908% | 3,934 |
| Return on assets (ROA) | 0.6908% | 3,767 |
| Pretax return on assets | 0.9113% | 3,689 |
| Return on Equity (ROE) | 7.5192% | 3,271 |
| Retained earnings to average equity (ytd only) | -1.5638% | 5,754 |
| Net charge-offs to loans | 0.1149% | 5,111 |
| Credit loss provision to net charge-offs | 147.5410% | 3,578 |
| Earnings coverage of net charge-offs (x) | 14.2131% | 2,062 |
| Efficiency ratio | 75.7787% | 3,271 |
| Assets per employee ($millions) | 2.7205% | 6,739 |
| Cash dividends to net income (ytd only)* | 120.7980% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0576% | 5,561 |
| Loan loss allowance to noncurrent loans | 1,688.4058% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 7,205 |
| Noncurrent loans to loans | 0.0626% | 7,254 |
| Net loans and leases to total assets | 61.6342% | 5,674 |
| Net loans and leases to deposits | 84.7155% | 4,309 |
| Net loans and leases to core deposits | 101.8713% | 4,628 |
| Total domestic deposits to total assets | 72.7544% | 6,874 |
| Equity capital to assets | 8.8332% | 5,597 |
| Core capital (leverage) ratio | 8.7446% | 5,121 |
| Tier 1 risk-based capital ratio | 14.0548% | 3,523 |
| Total risk-based capital ratio | 15.1341% | 3,523 |
| Memoranda: | ||
| Average total assets | $170,528,200 | 3,546 |
| Average earning assets | $155,432,400 | 3,559 |
| Average equity | $15,666,600 | 3,993 |
| Average total loans | $106,153,200 | 3,789 |