Home > Patterson State Bank > Performance and Condition Ratios
Patterson 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 | 4.2515% | 3,522 |
| Cost of funding earning assets | 1.3924% | 2,247 |
| Net interest margin | 2.8591% | 3,557 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4388% | 2,477 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4691% | 3,735 |
| Return on assets (ROA) | 0.4466% | 3,777 |
| Pretax return on assets | 0.4679% | 3,868 |
| Return on Equity (ROE) | 6.7900% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.7624% | 2,688 |
| Net charge-offs to loans | 0.1129% | 842 |
| Credit loss provision to net charge-offs | 55.1724% | 2,173 |
| Earnings coverage of net charge-offs (x) | 9.1330% | 2,310 |
| Efficiency ratio | 81.1968% | 837 |
| Assets per employee ($millions) | 8.1350% | 1,367 |
| Cash dividends to net income (ytd only)* | 29.8772% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,029 |
| Loan loss allowance to noncurrent loans | 180.1237% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,492 |
| Noncurrent loans to loans | 0.6927% | 1,133 |
| Net loans and leases to total assets | 52.7000% | 3,439 |
| Net loans and leases to deposits | 57.7401% | 3,639 |
| Net loans and leases to core deposits | 64.0440% | 3,589 |
| Total domestic deposits to total assets | 91.2700% | 436 |
| Equity capital to assets | 6.5242% | 4,103 |
| Core capital (leverage) ratio | 9.1399% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6776% | 1,140 |
| Memoranda: | ||
| Average total assets | $328,280,000 | 2,274 |
| Average earning assets | $310,834,200 | 2,243 |
| Average equity | $21,585,800 | 2,727 |
| Average total loans | $179,876,000 | 2,448 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,446 |
| Cost of funding earning assets | 1.2947% | 2,164 |
| Net interest margin | 2.9184% | 3,503 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.4180% | 2,468 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5477% | 3,668 |
| Return on assets (ROA) | 0.5178% | 3,713 |
| Pretax return on assets | 0.5574% | 3,813 |
| Return on Equity (ROE) | 7.8600% | 3,217 |
| Retained earnings to average equity (ytd only) | 6.4294% | 2,487 |
| Net charge-offs to loans | 0.0853% | 877 |
| Credit loss provision to net charge-offs | 83.3333% | 1,739 |
| Earnings coverage of net charge-offs (x) | 14.1053% | 2,010 |
| Efficiency ratio | 78.4566% | 974 |
| Assets per employee ($millions) | 7.8485% | 1,430 |
| Cash dividends to net income (ytd only)* | 18.1818% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,812 |
| Loan loss allowance to noncurrent loans | 276.2946% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 1,901 |
| Noncurrent loans to loans | 0.4750% | 1,634 |
| Net loans and leases to total assets | 57.5100% | 3,074 |
| Net loans and leases to deposits | 63.2085% | 3,313 |
| Net loans and leases to core deposits | 70.5707% | 3,185 |
| Total domestic deposits to total assets | 90.9900% | 673 |
| Equity capital to assets | 6.5277% | 3,825 |
| Core capital (leverage) ratio | 9.1627% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3989% | 1,035 |
| Memoranda: | ||
| Average total assets | $322,898,500 | 2,302 |
| Average earning assets | $306,877,500 | 2,263 |
| Average equity | $21,276,750 | 2,741 |
| Average total loans | $178,176,500 | 2,464 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 3,457 |
| Cost of funding earning assets | 1.1336% | 2,187 |
| Net interest margin | 2.9826% | 3,477 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.3732% | 2,582 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.6302% | 3,504 |
| Return on assets (ROA) | 0.6235% | 3,530 |
| Pretax return on assets | 0.6929% | 3,618 |
| Return on Equity (ROE) | 9.4300% | 2,854 |
| Retained earnings to average equity (ytd only) | 7.3173% | 2,188 |
| Net charge-offs to loans | -0.0045% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.4095% | 1,225 |
| Assets per employee ($millions) | 7.9890% | 1,324 |
| Cash dividends to net income (ytd only)* | 22.4409% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,605 |
| Loan loss allowance to noncurrent loans | 830.0676% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,872 |
| Noncurrent loans to loans | 0.1663% | 2,646 |
| Net loans and leases to total assets | 56.3400% | 3,095 |
| Net loans and leases to deposits | 62.1593% | 3,297 |
| Net loans and leases to core deposits | 69.4646% | 3,162 |
| Total domestic deposits to total assets | 90.6300% | 749 |
| Equity capital to assets | 7.0067% | 3,796 |
| Core capital (leverage) ratio | 9.0929% | 3,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2277% | 1,079 |
| Memoranda: | ||
| Average total assets | $325,885,000 | 2,295 |
| Average earning assets | $309,801,667 | 2,257 |
| Average equity | $21,538,000 | 2,736 |
| Average total loans | $176,581,667 | 2,478 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,614 |
| Cost of funding earning assets | 0.9282% | 2,282 |
| Net interest margin | 3.0020% | 3,593 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.2592% | 2,932 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.7501% | 3,345 |
| Return on assets (ROA) | 0.7374% | 3,337 |
| Pretax return on assets | 0.8371% | 3,375 |
| Return on Equity (ROE) | 11.4800% | 2,359 |
| Retained earnings to average equity (ytd only) | 11.4812% | 1,363 |
| Net charge-offs to loans | -0.0182% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.9811% | 1,641 |
| Assets per employee ($millions) | 8.0655% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 1,694 |
| Loan loss allowance to noncurrent loans | 667.0330% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,709 |
| Noncurrent loans to loans | 0.2070% | 2,441 |
| Net loans and leases to total assets | 55.1300% | 3,108 |
| Net loans and leases to deposits | 60.7507% | 3,291 |
| Net loans and leases to core deposits | 68.1723% | 3,086 |
| Total domestic deposits to total assets | 90.7500% | 889 |
| Equity capital to assets | 7.0017% | 3,830 |
| Core capital (leverage) ratio | 8.8032% | 3,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9768% | 997 |
| Memoranda: | ||
| Average total assets | $333,042,000 | 2,297 |
| Average earning assets | $318,456,500 | 2,260 |
| Average equity | $21,391,500 | 2,764 |
| Average total loans | $175,881,000 | 2,501 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4601% | 3,181 |
| Cost of funding earning assets | 0.3818% | 2,245 |
| Net interest margin | 3.0783% | 3,235 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.3155% | 2,675 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8544% | 3,133 |
| Return on assets (ROA) | 0.5119% | 4,027 |
| Pretax return on assets | 0.5424% | 4,112 |
| Return on Equity (ROE) | 7.5100% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.6797% | 3,183 |
| Net charge-offs to loans | 0.0055% | 2,227 |
| Credit loss provision to net charge-offs | 2,000.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 343.7778% | 441 |
| Efficiency ratio | 70.6312% | 1,603 |
| Assets per employee ($millions) | 9.2488% | 843 |
| Cash dividends to net income (ytd only)* | 37.6900% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.3100% | 3,559 |
| Net loans and leases to deposits | 52.6765% | 3,753 |
| Net loans and leases to core deposits | 57.7837% | 3,628 |
| Total domestic deposits to total assets | 93.6100% | 286 |
| Equity capital to assets | 5.9060% | 4,126 |
| Core capital (leverage) ratio | 8.8039% | 3,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0876% | 1,348 |
| Memoranda: | ||
| Average total assets | $321,352,800 | 2,344 |
| Average earning assets | $306,988,200 | 2,294 |
| Average equity | $21,903,200 | 2,781 |
| Average total loans | $164,766,600 | 2,505 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4103% | 2,887 |
| Cost of funding earning assets | 0.2975% | 2,197 |
| Net interest margin | 3.1128% | 2,894 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.2674% | 2,725 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8837% | 2,948 |
| Return on assets (ROA) | 0.8837% | 2,918 |
| Pretax return on assets | 1.0137% | 2,976 |
| Return on Equity (ROE) | 12.5000% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.0344% | 1,331 |
| Net charge-offs to loans | 0.0041% | 2,057 |
| Credit loss provision to net charge-offs | 2,400.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 501.2000% | 313 |
| Efficiency ratio | 68.0479% | 2,020 |
| Assets per employee ($millions) | 8.0095% | 1,320 |
| Cash dividends to net income (ytd only)* | 19.7115% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,427 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,232 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.3600% | 2,964 |
| Net loans and leases to deposits | 59.4164% | 3,250 |
| Net loans and leases to core deposits | 65.4349% | 2,994 |
| Total domestic deposits to total assets | 93.1700% | 533 |
| Equity capital to assets | 6.1952% | 3,882 |
| Core capital (leverage) ratio | 8.9031% | 3,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2923% | 1,125 |
| Memoranda: | ||
| Average total assets | $313,827,500 | 2,396 |
| Average earning assets | $299,829,750 | 2,360 |
| Average equity | $22,189,750 | 2,806 |
| Average total loans | $161,978,750 | 2,531 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 2,981 |
| Cost of funding earning assets | 0.2676% | 2,056 |
| Net interest margin | 2.9544% | 3,021 |
| Noninterest income to average assets | 0.3951% | 2,785 |
| Noninterest expense to average assets | 2.2080% | 2,825 |
| Loan and lease loss provision to assets | 0.0382% | 1,903 |
| Net operating income to assets | 0.8558% | 2,751 |
| Return on assets (ROA) | 0.8558% | 2,727 |
| Pretax return on assets | 0.9799% | 2,800 |
| Return on Equity (ROE) | 11.6271% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.0828% | 1,587 |
| Net charge-offs to loans | 0.0025% | 2,003 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 800.0000% | 173 |
| Efficiency ratio | 68.4418% | 2,179 |
| Assets per employee ($millions) | 8.0551% | 1,268 |
| Cash dividends to net income (ytd only)* | 30.4833% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,352 |
| Loan loss allowance to noncurrent loans | 403.0596% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1977% | 2,346 |
| Noncurrent loans to loans | 0.3772% | 2,010 |
| Net loans and leases to total assets | 51.6121% | 3,201 |
| Net loans and leases to deposits | 55.6196% | 3,410 |
| Net loans and leases to core deposits | 61.2129% | 3,184 |
| Total domestic deposits to total assets | 92.7948% | 563 |
| Equity capital to assets | 6.5819% | 3,980 |
| Core capital (leverage) ratio | 8.1788% | 4,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2154% | 1,144 |
| Memoranda: | ||
| Average total assets | $314,313,667 | 2,414 |
| Average earning assets | $301,182,333 | 2,379 |
| Average equity | $23,135,667 | 2,809 |
| Average total loans | $157,476,333 | 2,573 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0321% | 3,160 |
| Cost of funding earning assets | 0.2708% | 1,921 |
| Net interest margin | 2.7612% | 3,249 |
| Noninterest income to average assets | 0.3931% | 2,736 |
| Noninterest expense to average assets | 2.2239% | 2,761 |
| Loan and lease loss provision to assets | 0.0382% | 1,675 |
| Net operating income to assets | 0.7036% | 3,047 |
| Return on assets (ROA) | 0.7036% | 3,039 |
| Pretax return on assets | 0.7901% | 3,137 |
| Return on Equity (ROE) | 9.0786% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.0786% | 1,248 |
| Net charge-offs to loans | 0.0026% | 1,707 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 151 |
| Efficiency ratio | 72.8637% | 1,873 |
| Assets per employee ($millions) | 8.2613% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,232 |
| Loan loss allowance to noncurrent loans | 362.2255% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 2,314 |
| Noncurrent loans to loans | 0.4457% | 1,912 |
| Net loans and leases to total assets | 49.3269% | 3,240 |
| Net loans and leases to deposits | 53.6151% | 3,446 |
| Net loans and leases to core deposits | 57.6290% | 3,330 |
| Total domestic deposits to total assets | 92.0018% | 576 |
| Equity capital to assets | 7.3828% | 3,999 |
| Core capital (leverage) ratio | 8.4299% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2143% | 874 |
| Memoranda: | ||
| Average total assets | $314,396,000 | 2,423 |
| Average earning assets | $302,764,000 | 2,376 |
| Average equity | $24,365,000 | 2,812 |
| Average total loans | $153,893,500 | 2,597 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 2,709 |
| Cost of funding earning assets | 0.3254% | 2,160 |
| Net interest margin | 3.1574% | 2,722 |
| Noninterest income to average assets | 0.3964% | 3,067 |
| Noninterest expense to average assets | 2.5699% | 1,953 |
| Loan and lease loss provision to assets | 0.1856% | 604 |
| Net operating income to assets | 0.6093% | 3,852 |
| Return on assets (ROA) | 0.6093% | 3,898 |
| Pretax return on assets | 0.6728% | 3,988 |
| Return on Equity (ROE) | 6.9708% | 3,523 |
| Retained earnings to average equity (ytd only) | 4.4233% | 3,042 |
| Net charge-offs to loans | 0.0133% | 2,062 |
| Credit loss provision to net charge-offs | 2,500.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 115.6364% | 808 |
| Efficiency ratio | 74.9631% | 1,214 |
| Assets per employee ($millions) | 7.6927% | 1,500 |
| Cash dividends to net income (ytd only)* | 36.5449% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,297 |
| Loan loss allowance to noncurrent loans | 186.9266% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 1,614 |
| Noncurrent loans to loans | 0.8464% | 1,199 |
| Net loans and leases to total assets | 47.0736% | 3,592 |
| Net loans and leases to deposits | 51.5563% | 3,763 |
| Net loans and leases to core deposits | 55.3322% | 3,675 |
| Total domestic deposits to total assets | 91.3053% | 386 |
| Equity capital to assets | 8.0949% | 4,310 |
| Core capital (leverage) ratio | 8.7117% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7769% | 1,100 |
| Memoranda: | ||
| Average total assets | $296,392,000 | 2,446 |
| Average earning assets | $284,603,600 | 2,404 |
| Average equity | $25,908,200 | 2,790 |
| Average total loans | $165,889,000 | 2,505 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 2,455 |
| Cost of funding earning assets | 0.3438% | 2,177 |
| Net interest margin | 3.2950% | 2,430 |
| Noninterest income to average assets | 0.3815% | 3,203 |
| Noninterest expense to average assets | 2.5785% | 1,901 |
| Loan and lease loss provision to assets | 0.2347% | 410 |
| Net operating income to assets | 0.6526% | 3,893 |
| Return on assets (ROA) | 0.6526% | 3,945 |
| Pretax return on assets | 0.7267% | 4,021 |
| Return on Equity (ROE) | 7.3147% | 3,583 |
| Retained earnings to average equity (ytd only) | 5.1998% | 3,143 |
| Net charge-offs to loans | 0.5516% | 142 |
| Credit loss provision to net charge-offs | 73.0659% | 1,744 |
| Earnings coverage of net charge-offs (x) | 2.9928% | 2,331 |
| Efficiency ratio | 72.8419% | 1,332 |
| Assets per employee ($millions) | 6.9068% | 1,931 |
| Cash dividends to net income (ytd only)* | 28.9140% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,408 |
| Loan loss allowance to noncurrent loans | 143.2836% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 1,757 |
| Noncurrent loans to loans | 0.7731% | 1,463 |
| Net loans and leases to total assets | 54.4791% | 2,912 |
| Net loans and leases to deposits | 60.5904% | 3,175 |
| Net loans and leases to core deposits | 65.6438% | 2,985 |
| Total domestic deposits to total assets | 89.9138% | 809 |
| Equity capital to assets | 9.2980% | 3,560 |
| Core capital (leverage) ratio | 8.9876% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7280% | 858 |
| Memoranda: | ||
| Average total assets | $289,717,000 | 2,502 |
| Average earning assets | $277,704,750 | 2,464 |
| Average equity | $25,846,750 | 2,828 |
| Average total loans | $168,727,250 | 2,514 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5337% | 2,811 |
| Cost of funding earning assets | 0.3584% | 2,246 |
| Net interest margin | 3.1754% | 2,830 |
| Noninterest income to average assets | 0.3721% | 3,255 |
| Noninterest expense to average assets | 2.5749% | 1,927 |
| Loan and lease loss provision to assets | 0.2672% | 355 |
| Net operating income to assets | 0.5338% | 4,154 |
| Return on assets (ROA) | 0.5338% | 4,202 |
| Pretax return on assets | 0.5776% | 4,275 |
| Return on Equity (ROE) | 6.0656% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.8732% | 3,879 |
| Net charge-offs to loans | 0.5365% | 149 |
| Credit loss provision to net charge-offs | 84.0517% | 1,470 |
| Earnings coverage of net charge-offs (x) | 2.6573% | 2,112 |
| Efficiency ratio | 75.2955% | 1,144 |
| Assets per employee ($millions) | 6.6767% | 2,039 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 3,492 |
| Loan loss allowance to noncurrent loans | 188.2533% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 2,196 |
| Noncurrent loans to loans | 0.5749% | 1,961 |
| Net loans and leases to total assets | 60.0703% | 2,419 |
| Net loans and leases to deposits | 66.8035% | 2,747 |
| Net loans and leases to core deposits | 72.5879% | 2,554 |
| Total domestic deposits to total assets | 89.9208% | 818 |
| Equity capital to assets | 9.2069% | 3,598 |
| Core capital (leverage) ratio | 8.6554% | 3,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5808% | 1,020 |
| Memoranda: | ||
| Average total assets | $291,896,000 | 2,489 |
| Average earning assets | $280,157,667 | 2,447 |
| Average equity | $25,685,667 | 2,833 |
| Average total loans | $172,969,000 | 2,491 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 3,157 |
| Cost of funding earning assets | 0.3679% | 2,371 |
| Net interest margin | 3.0443% | 3,150 |
| Noninterest income to average assets | 0.3548% | 3,311 |
| Noninterest expense to average assets | 2.5427% | 2,043 |
| Loan and lease loss provision to assets | 0.2285% | 499 |
| Net operating income to assets | 0.4758% | 4,224 |
| Return on assets (ROA) | 0.4758% | 4,259 |
| Pretax return on assets | 0.5080% | 4,337 |
| Return on Equity (ROE) | 5.5270% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.0289% | 3,774 |
| Net charge-offs to loans | 0.7206% | 108 |
| Credit loss provision to net charge-offs | 54.1401% | 1,300 |
| Earnings coverage of net charge-offs (x) | 1.7452% | 1,835 |
| Efficiency ratio | 77.5410% | 996 |
| Assets per employee ($millions) | 6.2979% | 2,328 |
| Cash dividends to net income (ytd only)* | 45.1977% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,824 |
| Loan loss allowance to noncurrent loans | 201.7065% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 2,587 |
| Noncurrent loans to loans | 0.4973% | 2,361 |
| Net loans and leases to total assets | 61.7490% | 2,312 |
| Net loans and leases to deposits | 68.4979% | 2,649 |
| Net loans and leases to core deposits | 74.4743% | 2,470 |
| Total domestic deposits to total assets | 90.1473% | 752 |
| Equity capital to assets | 9.0073% | 3,678 |
| Core capital (leverage) ratio | 8.4725% | 4,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2118% | 892 |
| Memoranda: | ||
| Average total assets | $297,634,000 | 2,450 |
| Average earning assets | $285,913,500 | 2,402 |
| Average equity | $25,619,500 | 2,827 |
| Average total loans | $174,307,500 | 2,482 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6037% | 3,803 |
| Cost of funding earning assets | 0.5653% | 2,536 |
| Net interest margin | 3.0385% | 3,795 |
| Noninterest income to average assets | 0.3424% | 3,416 |
| Noninterest expense to average assets | 2.6256% | 2,462 |
| Loan and lease loss provision to assets | 0.1785% | 2,166 |
| Net operating income to assets | 0.4260% | 4,195 |
| Return on assets (ROA) | 0.4349% | 4,256 |
| Pretax return on assets | 0.4570% | 4,340 |
| Return on Equity (ROE) | 4.8272% | 3,949 |
| Retained earnings to average equity (ytd only) | 1.6765% | 3,961 |
| Net charge-offs to loans | 0.2698% | 637 |
| Credit loss provision to net charge-offs | 113.6364% | 2,697 |
| Earnings coverage of net charge-offs (x) | 3.9864% | 3,039 |
| Efficiency ratio | 80.7422% | 834 |
| Assets per employee ($millions) | 7.7964% | 1,123 |
| Cash dividends to net income (ytd only)* | 65.2709% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 3,386 |
| Loan loss allowance to noncurrent loans | 120.9464% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 1,598 |
| Noncurrent loans to loans | 0.9224% | 1,528 |
| Net loans and leases to total assets | 54.4884% | 3,447 |
| Net loans and leases to deposits | 59.8689% | 3,772 |
| Net loans and leases to core deposits | 65.0990% | 3,628 |
| Total domestic deposits to total assets | 91.0129% | 223 |
| Equity capital to assets | 8.2426% | 4,604 |
| Core capital (leverage) ratio | 8.5631% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2783% | 1,005 |
| Memoranda: | ||
| Average total assets | $280,090,200 | 2,396 |
| Average earning assets | $268,193,200 | 2,348 |
| Average equity | $25,231,800 | 2,782 |
| Average total loans | $163,101,600 | 2,545 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 3,257 |
| Cost of funding earning assets | 0.6049% | 2,580 |
| Net interest margin | 3.2942% | 3,212 |
| Noninterest income to average assets | 0.3522% | 3,347 |
| Noninterest expense to average assets | 2.6455% | 2,399 |
| Loan and lease loss provision to assets | 0.1863% | 2,127 |
| Net operating income to assets | 0.6056% | 3,744 |
| Return on assets (ROA) | 0.6065% | 3,843 |
| Pretax return on assets | 0.6727% | 3,962 |
| Return on Equity (ROE) | 6.5727% | 3,351 |
| Retained earnings to average equity (ytd only) | 3.4137% | 3,350 |
| Net charge-offs to loans | 0.2320% | 659 |
| Credit loss provision to net charge-offs | 135.7143% | 2,413 |
| Earnings coverage of net charge-offs (x) | 6.2536% | 2,663 |
| Efficiency ratio | 75.5139% | 1,251 |
| Assets per employee ($millions) | 6.5085% | 1,829 |
| Cash dividends to net income (ytd only)* | 48.0614% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,059 |
| Loan loss allowance to noncurrent loans | 84.1359% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,340 |
| Noncurrent loans to loans | 1.3386% | 1,101 |
| Net loans and leases to total assets | 59.9936% | 3,229 |
| Net loans and leases to deposits | 67.8146% | 3,482 |
| Net loans and leases to core deposits | 73.4800% | 3,358 |
| Total domestic deposits to total assets | 88.4671% | 985 |
| Equity capital to assets | 9.0826% | 4,049 |
| Core capital (leverage) ratio | 8.6401% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8028% | 805 |
| Memoranda: | ||
| Average total assets | $272,148,500 | 2,424 |
| Average earning assets | $260,331,000 | 2,372 |
| Average equity | $25,113,500 | 2,782 |
| Average total loans | $160,916,250 | 2,563 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 2,829 |
| Cost of funding earning assets | 0.6557% | 2,660 |
| Net interest margin | 3.5225% | 2,718 |
| Noninterest income to average assets | 0.3515% | 3,373 |
| Noninterest expense to average assets | 2.6701% | 2,468 |
| Loan and lease loss provision to assets | 0.1945% | 2,091 |
| Net operating income to assets | 0.7489% | 3,214 |
| Return on assets (ROA) | 0.7502% | 3,328 |
| Pretax return on assets | 0.8556% | 3,441 |
| Return on Equity (ROE) | 8.0839% | 2,714 |
| Retained earnings to average equity (ytd only) | 3.2884% | 3,272 |
| Net charge-offs to loans | 0.0077% | 2,675 |
| Credit loss provision to net charge-offs | 4,333.3333% | 266 |
| Earnings coverage of net charge-offs (x) | 233.6667% | 389 |
| Efficiency ratio | 71.8021% | 1,711 |
| Assets per employee ($millions) | 6.6805% | 1,656 |
| Cash dividends to net income (ytd only)* | 59.3220% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,415 |
| Loan loss allowance to noncurrent loans | 79.1526% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0068% | 1,193 |
| Noncurrent loans to loans | 1.5419% | 977 |
| Net loans and leases to total assets | 59.4764% | 3,376 |
| Net loans and leases to deposits | 67.1614% | 3,631 |
| Net loans and leases to core deposits | 72.8505% | 3,532 |
| Total domestic deposits to total assets | 88.5574% | 919 |
| Equity capital to assets | 8.9553% | 4,125 |
| Core capital (leverage) ratio | 9.0262% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9170% | 918 |
| Memoranda: | ||
| Average total assets | $267,407,333 | 2,429 |
| Average earning assets | $255,614,333 | 2,378 |
| Average equity | $24,814,667 | 2,793 |
| Average total loans | $156,634,333 | 2,594 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 3,980 |
| Cost of funding earning assets | 0.7187% | 2,848 |
| Net interest margin | 3.2098% | 3,829 |
| Noninterest income to average assets | 0.3993% | 3,113 |
| Noninterest expense to average assets | 2.7388% | 2,605 |
| Loan and lease loss provision to assets | 0.0932% | 2,519 |
| Net operating income to assets | 0.5732% | 3,676 |
| Return on assets (ROA) | 0.5732% | 3,739 |
| Pretax return on assets | 0.6338% | 3,852 |
| Return on Equity (ROE) | 6.0592% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.0592% | 1,847 |
| Net charge-offs to loans | 0.0135% | 2,116 |
| Credit loss provision to net charge-offs | 1,200.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 93.6000% | 603 |
| Efficiency ratio | 79.0229% | 1,233 |
| Assets per employee ($millions) | 5.6397% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,191 |
| Loan loss allowance to noncurrent loans | 99.1187% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 1,511 |
| Noncurrent loans to loans | 1.3004% | 1,258 |
| Net loans and leases to total assets | 60.3790% | 3,458 |
| Net loans and leases to deposits | 69.3884% | 3,640 |
| Net loans and leases to core deposits | 74.8489% | 3,579 |
| Total domestic deposits to total assets | 87.0161% | 1,547 |
| Equity capital to assets | 10.1110% | 3,683 |
| Core capital (leverage) ratio | 9.7923% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7917% | 887 |
| Memoranda: | ||
| Average total assets | $257,481,000 | 2,446 |
| Average earning assets | $245,998,000 | 2,398 |
| Average equity | $24,359,500 | 2,819 |
| Average total loans | $148,470,000 | 2,653 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 3,615 |
| Cost of funding earning assets | 0.6899% | 3,209 |
| Net interest margin | 3.5825% | 3,194 |
| Noninterest income to average assets | 0.4005% | 3,293 |
| Noninterest expense to average assets | 2.9409% | 2,167 |
| Loan and lease loss provision to assets | 0.1381% | 1,545 |
| Net operating income to assets | 0.6573% | 3,994 |
| Return on assets (ROA) | 0.6624% | 4,054 |
| Pretax return on assets | 0.7351% | 4,125 |
| Return on Equity (ROE) | 6.8101% | 3,623 |
| Retained earnings to average equity (ytd only) | 0.4426% | 4,562 |
| Net charge-offs to loans | 0.3304% | 629 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 4.1882% | 3,245 |
| Efficiency ratio | 77.2209% | 1,237 |
| Assets per employee ($millions) | 6.6458% | 1,213 |
| Cash dividends to net income (ytd only)* | 93.5009% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,175 |
| Loan loss allowance to noncurrent loans | 82.9018% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8221% | 1,568 |
| Noncurrent loans to loans | 1.5074% | 953 |
| Net loans and leases to total assets | 53.8569% | 4,084 |
| Net loans and leases to deposits | 60.8099% | 4,253 |
| Net loans and leases to core deposits | 64.3887% | 4,262 |
| Total domestic deposits to total assets | 88.5660% | 855 |
| Equity capital to assets | 8.8760% | 4,751 |
| Core capital (leverage) ratio | 9.9995% | 3,518 |
| Tier 1 risk-based capital ratio | 17.2325% | 1,989 |
| Total risk-based capital ratio | 18.4837% | 1,925 |
| Memoranda: | ||
| Average total assets | $246,214,800 | 2,486 |
| Average earning assets | $234,220,800 | 2,445 |
| Average equity | $23,949,600 | 2,802 |
| Average total loans | $154,347,200 | 2,573 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 3,305 |
| Cost of funding earning assets | 0.7030% | 3,210 |
| Net interest margin | 3.7108% | 2,880 |
| Noninterest income to average assets | 0.4123% | 3,242 |
| Noninterest expense to average assets | 2.9214% | 2,190 |
| Loan and lease loss provision to assets | 0.1558% | 1,205 |
| Net operating income to assets | 0.7611% | 3,808 |
| Return on assets (ROA) | 0.7611% | 3,875 |
| Pretax return on assets | 0.8562% | 3,987 |
| Return on Equity (ROE) | 7.6345% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.7980% | 4,607 |
| Net charge-offs to loans | 0.0676% | 1,859 |
| Credit loss provision to net charge-offs | 354.4304% | 851 |
| Earnings coverage of net charge-offs (x) | 23.0254% | 1,845 |
| Efficiency ratio | 74.2716% | 1,523 |
| Assets per employee ($millions) | 5.2794% | 2,251 |
| Cash dividends to net income (ytd only)* | 89.5469% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,330 |
| Loan loss allowance to noncurrent loans | 91.4239% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 1,225 |
| Noncurrent loans to loans | 1.6101% | 919 |
| Net loans and leases to total assets | 65.6910% | 3,088 |
| Net loans and leases to deposits | 76.2541% | 3,269 |
| Net loans and leases to core deposits | 81.1580% | 3,305 |
| Total domestic deposits to total assets | 86.1475% | 1,926 |
| Equity capital to assets | 10.7390% | 3,346 |
| Core capital (leverage) ratio | 10.5411% | 3,072 |
| Tier 1 risk-based capital ratio | 18.2727% | 1,742 |
| Total risk-based capital ratio | 19.5285% | 1,707 |
| Memoranda: | ||
| Average total assets | $239,649,500 | 2,544 |
| Average earning assets | $227,401,000 | 2,508 |
| Average equity | $23,890,750 | 2,813 |
| Average total loans | $155,783,000 | 2,588 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3814% | 3,385 |
| Cost of funding earning assets | 0.6845% | 3,253 |
| Net interest margin | 3.6969% | 2,938 |
| Noninterest income to average assets | 0.3896% | 3,343 |
| Noninterest expense to average assets | 2.8246% | 2,502 |
| Loan and lease loss provision to assets | 0.1804% | 989 |
| Net operating income to assets | 0.7857% | 3,708 |
| Return on assets (ROA) | 0.7857% | 3,764 |
| Pretax return on assets | 0.8882% | 3,878 |
| Return on Equity (ROE) | 8.0748% | 3,263 |
| Retained earnings to average equity (ytd only) | 1.1210% | 4,403 |
| Net charge-offs to loans | 0.0928% | 1,432 |
| Credit loss provision to net charge-offs | 301.3699% | 894 |
| Earnings coverage of net charge-offs (x) | 17.8493% | 1,878 |
| Efficiency ratio | 72.5511% | 1,833 |
| Assets per employee ($millions) | 5.2807% | 2,170 |
| Cash dividends to net income (ytd only)* | 86.1169% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,633 |
| Loan loss allowance to noncurrent loans | 79.7213% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 1,100 |
| Noncurrent loans to loans | 1.7505% | 863 |
| Net loans and leases to total assets | 67.6482% | 2,868 |
| Net loans and leases to deposits | 78.4523% | 3,117 |
| Net loans and leases to core deposits | 82.8022% | 3,218 |
| Total domestic deposits to total assets | 86.2284% | 1,921 |
| Equity capital to assets | 10.6813% | 3,360 |
| Core capital (leverage) ratio | 10.3615% | 3,234 |
| Tier 1 risk-based capital ratio | 17.5622% | 1,922 |
| Total risk-based capital ratio | 18.8167% | 1,878 |
| Memoranda: | ||
| Average total assets | $243,861,670 | 2,534 |
| Average earning assets | $231,113,330 | 2,493 |
| Average equity | $23,728,000 | 2,823 |
| Average total loans | $157,259,000 | 2,577 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 3,624 |
| Cost of funding earning assets | 0.6505% | 3,323 |
| Net interest margin | 3.6265% | 3,152 |
| Noninterest income to average assets | 0.3806% | 3,323 |
| Noninterest expense to average assets | 2.7020% | 2,901 |
| Loan and lease loss provision to assets | 0.1903% | 856 |
| Net operating income to assets | 0.8087% | 3,586 |
| Return on assets (ROA) | 0.8087% | 3,624 |
| Pretax return on assets | 0.9181% | 3,703 |
| Return on Equity (ROE) | 8.6938% | 2,953 |
| Retained earnings to average equity (ytd only) | 1.8751% | 4,098 |
| Net charge-offs to loans | 0.0405% | 1,691 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 43.6875% | 1,098 |
| Efficiency ratio | 70.9114% | 2,200 |
| Assets per employee ($millions) | 5.1654% | 2,319 |
| Cash dividends to net income (ytd only)* | 78.4314% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,831 |
| Loan loss allowance to noncurrent loans | 67.0126% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 927 |
| Noncurrent loans to loans | 2.0282% | 727 |
| Net loans and leases to total assets | 66.5357% | 2,970 |
| Net loans and leases to deposits | 76.6534% | 3,201 |
| Net loans and leases to core deposits | 80.6915% | 3,304 |
| Total domestic deposits to total assets | 86.8007% | 1,912 |
| Equity capital to assets | 10.1525% | 3,677 |
| Core capital (leverage) ratio | 9.9120% | 3,695 |
| Tier 1 risk-based capital ratio | 17.4118% | 1,969 |
| Total risk-based capital ratio | 18.6656% | 1,917 |
| Memoranda: | ||
| Average total assets | $252,258,000 | 2,490 |
| Average earning assets | $238,578,500 | 2,463 |
| Average equity | $23,465,000 | 2,843 |
| Average total loans | $157,997,500 | 2,583 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 3,197 |
| Cost of funding earning assets | 0.4368% | 3,761 |
| Net interest margin | 3.8377% | 2,542 |
| Noninterest income to average assets | 0.4662% | 3,018 |
| Noninterest expense to average assets | 2.9716% | 2,131 |
| Loan and lease loss provision to assets | 0.1442% | 1,489 |
| Net operating income to assets | 0.8645% | 3,561 |
| Return on assets (ROA) | 0.8645% | 3,557 |
| Pretax return on assets | 0.9846% | 3,661 |
| Return on Equity (ROE) | 8.9020% | 3,041 |
| Retained earnings to average equity (ytd only) | 3.1144% | 3,835 |
| Net charge-offs to loans | 0.0826% | 1,957 |
| Credit loss provision to net charge-offs | 263.5659% | 1,138 |
| Earnings coverage of net charge-offs (x) | 20.6279% | 1,983 |
| Efficiency ratio | 72.4705% | 1,845 |
| Assets per employee ($millions) | 5.9124% | 1,581 |
| Cash dividends to net income (ytd only)* | 65.0147% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 2,180 |
| Loan loss allowance to noncurrent loans | 69.8966% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0663% | 1,270 |
| Noncurrent loans to loans | 1.8216% | 775 |
| Net loans and leases to total assets | 57.7926% | 3,987 |
| Net loans and leases to deposits | 65.0200% | 4,184 |
| Net loans and leases to core deposits | 68.0230% | 4,235 |
| Total domestic deposits to total assets | 88.8844% | 908 |
| Equity capital to assets | 8.5462% | 4,902 |
| Core capital (leverage) ratio | 10.3928% | 3,150 |
| Tier 1 risk-based capital ratio | 15.8911% | 2,447 |
| Total risk-based capital ratio | 17.1423% | 2,383 |
| Memoranda: | ||
| Average total assets | $235,732,200 | 2,571 |
| Average earning assets | $223,234,400 | 2,537 |
| Average equity | $22,893,800 | 2,830 |
| Average total loans | $156,115,600 | 2,567 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,713 |
| Cost of funding earning assets | 0.4038% | 3,833 |
| Net interest margin | 3.9697% | 2,052 |
| Noninterest income to average assets | 0.5041% | 2,848 |
| Noninterest expense to average assets | 3.0281% | 1,934 |
| Loan and lease loss provision to assets | 0.1823% | 999 |
| Net operating income to assets | 0.9300% | 3,393 |
| Return on assets (ROA) | 0.9300% | 3,400 |
| Pretax return on assets | 1.0641% | 3,524 |
| Return on Equity (ROE) | 9.2428% | 2,978 |
| Retained earnings to average equity (ytd only) | 2.8120% | 4,311 |
| Net charge-offs to loans | 0.0069% | 3,184 |
| Credit loss provision to net charge-offs | 3,875.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 264.7854% | 353 |
| Efficiency ratio | 70.8408% | 2,066 |
| Assets per employee ($millions) | 4.9134% | 2,580 |
| Cash dividends to net income (ytd only)* | 69.5761% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,907 |
| Loan loss allowance to noncurrent loans | 78.0605% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.2605% | 1,100 |
| Noncurrent loans to loans | 1.7202% | 903 |
| Net loans and leases to total assets | 70.3484% | 2,590 |
| Net loans and leases to deposits | 84.6348% | 2,521 |
| Net loans and leases to core deposits | 89.4927% | 2,701 |
| Total domestic deposits to total assets | 83.1199% | 3,259 |
| Equity capital to assets | 10.2650% | 3,383 |
| Core capital (leverage) ratio | 10.6041% | 2,976 |
| Tier 1 risk-based capital ratio | 17.1388% | 2,048 |
| Total risk-based capital ratio | 18.3926% | 1,989 |
| Memoranda: | ||
| Average total assets | $226,673,000 | 2,652 |
| Average earning assets | $215,290,250 | 2,608 |
| Average equity | $22,806,500 | 2,842 |
| Average total loans | $155,343,250 | 2,590 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,807 |
| Cost of funding earning assets | 0.3754% | 3,910 |
| Net interest margin | 3.9124% | 2,165 |
| Noninterest income to average assets | 0.5286% | 2,700 |
| Noninterest expense to average assets | 3.0263% | 1,975 |
| Loan and lease loss provision to assets | 0.1925% | 896 |
| Net operating income to assets | 0.8935% | 3,482 |
| Return on assets (ROA) | 0.8935% | 3,494 |
| Pretax return on assets | 1.0222% | 3,592 |
| Return on Equity (ROE) | 8.9392% | 3,049 |
| Retained earnings to average equity (ytd only) | 2.1538% | 4,410 |
| Net charge-offs to loans | 0.0660% | 1,679 |
| Credit loss provision to net charge-offs | 431.3725% | 777 |
| Earnings coverage of net charge-offs (x) | 27.2157% | 1,582 |
| Efficiency ratio | 71.3578% | 2,105 |
| Assets per employee ($millions) | 4.9002% | 2,559 |
| Cash dividends to net income (ytd only)* | 75.9060% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,339 |
| Loan loss allowance to noncurrent loans | 91.8131% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 1,485 |
| Noncurrent loans to loans | 1.3801% | 1,234 |
| Net loans and leases to total assets | 70.1410% | 2,557 |
| Net loans and leases to deposits | 83.6944% | 2,572 |
| Net loans and leases to core deposits | 87.9955% | 2,719 |
| Total domestic deposits to total assets | 83.8062% | 3,130 |
| Equity capital to assets | 10.2893% | 3,348 |
| Core capital (leverage) ratio | 10.5817% | 2,943 |
| Tier 1 risk-based capital ratio | 17.1989% | 2,030 |
| Total risk-based capital ratio | 18.4514% | 1,981 |
| Memoranda: | ||
| Average total assets | $228,530,330 | 2,651 |
| Average earning assets | $216,848,000 | 2,613 |
| Average equity | $22,843,330 | 2,854 |
| Average total loans | $154,571,670 | 2,611 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 3,080 |
| Cost of funding earning assets | 0.3611% | 3,901 |
| Net interest margin | 3.7819% | 2,495 |
| Noninterest income to average assets | 0.5917% | 2,310 |
| Noninterest expense to average assets | 2.9930% | 2,083 |
| Loan and lease loss provision to assets | 0.1720% | 1,021 |
| Net operating income to assets | 0.8962% | 3,309 |
| Return on assets (ROA) | 0.8962% | 3,317 |
| Pretax return on assets | 1.0114% | 3,495 |
| Return on Equity (ROE) | 9.0923% | 2,868 |
| Retained earnings to average equity (ytd only) | 9.0923% | 1,426 |
| Net charge-offs to loans | 0.0078% | 2,456 |
| Credit loss provision to net charge-offs | 3,333.3333% | 120 |
| Earnings coverage of net charge-offs (x) | 229.3333% | 291 |
| Efficiency ratio | 71.6639% | 2,236 |
| Assets per employee ($millions) | 4.7676% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,583 |
| Loan loss allowance to noncurrent loans | 95.2215% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 1,728 |
| Noncurrent loans to loans | 1.3013% | 1,376 |
| Net loans and leases to total assets | 69.5260% | 2,560 |
| Net loans and leases to deposits | 81.4095% | 2,637 |
| Net loans and leases to core deposits | 85.4873% | 2,846 |
| Total domestic deposits to total assets | 85.4027% | 2,788 |
| Equity capital to assets | 10.4994% | 3,078 |
| Core capital (leverage) ratio | 10.2415% | 3,252 |
| Tier 1 risk-based capital ratio | 17.7576% | 1,904 |
| Total risk-based capital ratio | 19.0099% | 1,853 |
| Memoranda: | ||
| Average total assets | $232,540,500 | 2,638 |
| Average earning assets | $220,417,000 | 2,608 |
| Average equity | $22,920,500 | 2,874 |
| Average total loans | $153,531,000 | 2,648 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2109% | 2,649 |
| Cost of funding earning assets | 0.3456% | 3,753 |
| Net interest margin | 3.8653% | 2,205 |
| Noninterest income to average assets | 0.8208% | 1,500 |
| Noninterest expense to average assets | 3.4893% | 1,058 |
| Loan and lease loss provision to assets | 0.3297% | 507 |
| Net operating income to assets | 0.5903% | 4,054 |
| Return on assets (ROA) | 0.6010% | 4,047 |
| Pretax return on assets | 0.6920% | 4,527 |
| Return on Equity (ROE) | 5.9494% | 3,782 |
| Retained earnings to average equity (ytd only) | 0.6180% | 4,797 |
| Net charge-offs to loans | 0.3019% | 861 |
| Credit loss provision to net charge-offs | 167.0379% | 1,604 |
| Earnings coverage of net charge-offs (x) | 5.1136% | 3,376 |
| Efficiency ratio | 77.5628% | 1,416 |
| Assets per employee ($millions) | 4.8210% | 2,709 |
| Cash dividends to net income (ytd only)* | 89.6123% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,841 |
| Loan loss allowance to noncurrent loans | 81.1076% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 1,606 |
| Noncurrent loans to loans | 1.4665% | 1,166 |
| Net loans and leases to total assets | 61.3562% | 3,695 |
| Net loans and leases to deposits | 69.7976% | 3,896 |
| Net loans and leases to core deposits | 72.5672% | 4,006 |
| Total domestic deposits to total assets | 87.9059% | 1,548 |
| Equity capital to assets | 9.3191% | 4,411 |
| Core capital (leverage) ratio | 10.4519% | 2,900 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,169 |
| Total risk-based capital ratio | 18.0216% | 2,115 |
| Memoranda: | ||
| Average total assets | $227,464,200 | 2,656 |
| Average earning assets | $216,438,800 | 2,614 |
| Average equity | $22,977,000 | 2,866 |
| Average total loans | $148,706,400 | 2,666 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 2,340 |
| Cost of funding earning assets | 0.3453% | 3,719 |
| Net interest margin | 3.9289% | 1,938 |
| Noninterest income to average assets | 0.8100% | 1,548 |
| Noninterest expense to average assets | 3.5220% | 959 |
| Loan and lease loss provision to assets | 0.3051% | 510 |
| Net operating income to assets | 0.6251% | 4,295 |
| Return on assets (ROA) | 0.6395% | 4,286 |
| Pretax return on assets | 0.7436% | 4,503 |
| Return on Equity (ROE) | 6.1988% | 4,033 |
| Retained earnings to average equity (ytd only) | 0.5509% | 5,094 |
| Net charge-offs to loans | 0.3990% | 534 |
| Credit loss provision to net charge-offs | 115.3846% | 2,072 |
| Earnings coverage of net charge-offs (x) | 3.9027% | 3,285 |
| Efficiency ratio | 77.3384% | 1,415 |
| Assets per employee ($millions) | 4.1116% | 3,805 |
| Cash dividends to net income (ytd only)* | 91.1127% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,715 |
| Loan loss allowance to noncurrent loans | 70.6696% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 1,207 |
| Noncurrent loans to loans | 1.5043% | 1,242 |
| Net loans and leases to total assets | 68.9075% | 2,709 |
| Net loans and leases to deposits | 81.4752% | 2,831 |
| Net loans and leases to core deposits | 85.4608% | 3,014 |
| Total domestic deposits to total assets | 84.5749% | 2,891 |
| Equity capital to assets | 10.8054% | 3,057 |
| Core capital (leverage) ratio | 10.7272% | 2,727 |
| Tier 1 risk-based capital ratio | 17.9538% | 1,866 |
| Total risk-based capital ratio | 19.1903% | 1,821 |
| Memoranda: | ||
| Average total assets | $222,862,500 | 2,725 |
| Average earning assets | $212,368,000 | 2,664 |
| Average equity | $22,993,000 | 2,881 |
| Average total loans | $147,714,750 | 2,694 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,459 |
| Cost of funding earning assets | 0.3278% | 3,819 |
| Net interest margin | 3.8757% | 2,017 |
| Noninterest income to average assets | 0.7491% | 1,777 |
| Noninterest expense to average assets | 3.4372% | 1,103 |
| Loan and lease loss provision to assets | 0.2922% | 534 |
| Net operating income to assets | 0.6162% | 4,230 |
| Return on assets (ROA) | 0.6375% | 4,186 |
| Pretax return on assets | 0.7402% | 4,451 |
| Return on Equity (ROE) | 6.2727% | 3,919 |
| Retained earnings to average equity (ytd only) | -0.4792% | 5,159 |
| Net charge-offs to loans | 0.4521% | 445 |
| Credit loss provision to net charge-offs | 99.0991% | 2,049 |
| Earnings coverage of net charge-offs (x) | 3.4174% | 3,052 |
| Efficiency ratio | 77.3307% | 1,547 |
| Assets per employee ($millions) | 4.1957% | 3,633 |
| Cash dividends to net income (ytd only)* | 107.6389% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,950 |
| Loan loss allowance to noncurrent loans | 78.5047% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 1,485 |
| Noncurrent loans to loans | 1.3138% | 1,472 |
| Net loans and leases to total assets | 66.4972% | 3,031 |
| Net loans and leases to deposits | 78.6970% | 3,045 |
| Net loans and leases to core deposits | 81.9977% | 3,250 |
| Total domestic deposits to total assets | 84.4978% | 3,010 |
| Equity capital to assets | 10.5378% | 3,289 |
| Core capital (leverage) ratio | 10.5595% | 2,852 |
| Tier 1 risk-based capital ratio | 17.8527% | 1,902 |
| Total risk-based capital ratio | 19.0348% | 1,884 |
| Memoranda: | ||
| Average total assets | $225,883,000 | 2,715 |
| Average earning assets | $215,391,330 | 2,651 |
| Average equity | $22,956,670 | 2,885 |
| Average total loans | $147,317,000 | 2,701 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 2,664 |
| Cost of funding earning assets | 0.3048% | 3,997 |
| Net interest margin | 3.7909% | 2,145 |
| Noninterest income to average assets | 0.6947% | 1,996 |
| Noninterest expense to average assets | 3.3151% | 1,354 |
| Loan and lease loss provision to assets | 0.3134% | 406 |
| Net operating income to assets | 0.5901% | 4,202 |
| Return on assets (ROA) | 0.6320% | 4,054 |
| Pretax return on assets | 0.7313% | 4,343 |
| Return on Equity (ROE) | 6.3297% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.4578% | 2,626 |
| Net charge-offs to loans | 0.6799% | 262 |
| Credit loss provision to net charge-offs | 71.7131% | 1,822 |
| Earnings coverage of net charge-offs (x) | 2.2789% | 2,616 |
| Efficiency ratio | 76.8982% | 1,773 |
| Assets per employee ($millions) | 3.9414% | 4,107 |
| Cash dividends to net income (ytd only)* | 13.7741% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 4,429 |
| Loan loss allowance to noncurrent loans | 60.3427% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.1039% | 1,613 |
| Noncurrent loans to loans | 1.6130% | 1,206 |
| Net loans and leases to total assets | 67.7727% | 2,715 |
| Net loans and leases to deposits | 79.9981% | 2,758 |
| Net loans and leases to core deposits | 83.1955% | 2,977 |
| Total domestic deposits to total assets | 84.7179% | 3,208 |
| Equity capital to assets | 10.6889% | 2,975 |
| Core capital (leverage) ratio | 10.6366% | 2,757 |
| Tier 1 risk-based capital ratio | 18.1296% | 1,824 |
| Total risk-based capital ratio | 19.2579% | 1,830 |
| Memoranda: | ||
| Average total assets | $229,736,500 | 2,709 |
| Average earning assets | $219,156,500 | 2,646 |
| Average equity | $22,939,500 | 2,900 |
| Average total loans | $147,679,000 | 2,725 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1014% | 2,845 |
| Cost of funding earning assets | 0.2870% | 4,200 |
| Net interest margin | 3.8144% | 2,262 |
| Noninterest income to average assets | 0.8436% | 1,605 |
| Noninterest expense to average assets | 3.4507% | 1,256 |
| Loan and lease loss provision to assets | 0.1372% | 1,821 |
| Net operating income to assets | 0.7357% | 3,616 |
| Return on assets (ROA) | 0.7357% | 3,724 |
| Pretax return on assets | 0.8927% | 3,874 |
| Return on Equity (ROE) | 7.3946% | 3,270 |
| Retained earnings to average equity (ytd only) | 0.9081% | 4,958 |
| Net charge-offs to loans | 0.2603% | 1,065 |
| Credit loss provision to net charge-offs | 83.5079% | 2,918 |
| Earnings coverage of net charge-offs (x) | 6.2670% | 3,206 |
| Efficiency ratio | 77.0139% | 1,842 |
| Assets per employee ($millions) | 4.1106% | 3,766 |
| Cash dividends to net income (ytd only)* | 87.7193% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,135 |
| Loan loss allowance to noncurrent loans | 50.9244% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 1,461 |
| Noncurrent loans to loans | 2.0238% | 884 |
| Net loans and leases to total assets | 59.9865% | 3,855 |
| Net loans and leases to deposits | 68.2383% | 4,067 |
| Net loans and leases to core deposits | 70.3845% | 4,207 |
| Total domestic deposits to total assets | 87.9074% | 1,677 |
| Equity capital to assets | 9.3865% | 4,383 |
| Core capital (leverage) ratio | 10.3844% | 3,009 |
| Tier 1 risk-based capital ratio | 17.2325% | 2,078 |
| Total risk-based capital ratio | 18.3702% | 2,075 |
| Memoranda: | ||
| Average total assets | $232,447,400 | 2,638 |
| Average earning assets | $221,632,400 | 2,578 |
| Average equity | $23,125,000 | 2,881 |
| Average total loans | $146,763,800 | 2,682 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 2,698 |
| Cost of funding earning assets | 0.2872% | 4,230 |
| Net interest margin | 3.8586% | 2,123 |
| Noninterest income to average assets | 0.8907% | 1,438 |
| Noninterest expense to average assets | 3.4358% | 1,275 |
| Loan and lease loss provision to assets | 0.1386% | 1,696 |
| Net operating income to assets | 0.8020% | 3,355 |
| Return on assets (ROA) | 0.8020% | 3,499 |
| Pretax return on assets | 0.9933% | 3,656 |
| Return on Equity (ROE) | 7.9429% | 3,041 |
| Retained earnings to average equity (ytd only) | 1.4818% | 4,921 |
| Net charge-offs to loans | 0.1263% | 1,696 |
| Credit loss provision to net charge-offs | 171.9424% | 1,621 |
| Earnings coverage of net charge-offs (x) | 14.0431% | 2,262 |
| Efficiency ratio | 75.2190% | 2,074 |
| Assets per employee ($millions) | 3.7028% | 4,467 |
| Cash dividends to net income (ytd only)* | 81.3449% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,537 |
| Loan loss allowance to noncurrent loans | 60.5776% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 1,528 |
| Noncurrent loans to loans | 1.8992% | 1,057 |
| Net loans and leases to total assets | 65.9947% | 3,120 |
| Net loans and leases to deposits | 76.6198% | 3,337 |
| Net loans and leases to core deposits | 79.7030% | 3,477 |
| Total domestic deposits to total assets | 86.1327% | 2,291 |
| Equity capital to assets | 10.7689% | 3,288 |
| Core capital (leverage) ratio | 10.4129% | 3,095 |
| Tier 1 risk-based capital ratio | 18.0866% | 1,890 |
| Total risk-based capital ratio | 19.3373% | 1,859 |
| Memoranda: | ||
| Average total assets | $229,927,250 | 2,671 |
| Average earning assets | $219,107,250 | 2,616 |
| Average equity | $23,215,000 | 2,891 |
| Average total loans | $146,705,000 | 2,690 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 2,932 |
| Cost of funding earning assets | 0.2749% | 4,393 |
| Net interest margin | 3.8075% | 2,292 |
| Noninterest income to average assets | 0.8240% | 1,632 |
| Noninterest expense to average assets | 3.3172% | 1,556 |
| Loan and lease loss provision to assets | 0.1651% | 1,361 |
| Net operating income to assets | 0.7786% | 3,407 |
| Return on assets (ROA) | 0.7786% | 3,553 |
| Pretax return on assets | 0.9686% | 3,708 |
| Return on Equity (ROE) | 7.8749% | 3,046 |
| Retained earnings to average equity (ytd only) | 0.3029% | 5,209 |
| Net charge-offs to loans | 0.1293% | 1,559 |
| Credit loss provision to net charge-offs | 203.1579% | 1,288 |
| Earnings coverage of net charge-offs (x) | 13.9474% | 2,090 |
| Efficiency ratio | 74.5290% | 2,288 |
| Assets per employee ($millions) | 3.9074% | 4,082 |
| Cash dividends to net income (ytd only)* | 96.1538% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,739 |
| Loan loss allowance to noncurrent loans | 70.0376% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0744% | 1,977 |
| Noncurrent loans to loans | 1.6224% | 1,316 |
| Net loans and leases to total assets | 65.4713% | 3,158 |
| Net loans and leases to deposits | 75.6170% | 3,422 |
| Net loans and leases to core deposits | 78.6994% | 3,584 |
| Total domestic deposits to total assets | 86.5828% | 2,119 |
| Equity capital to assets | 10.4161% | 3,722 |
| Core capital (leverage) ratio | 10.2410% | 3,278 |
| Tier 1 risk-based capital ratio | 17.6834% | 2,019 |
| Total risk-based capital ratio | 18.9335% | 1,976 |
| Memoranda: | ||
| Average total assets | $233,748,670 | 2,649 |
| Average earning assets | $222,665,330 | 2,589 |
| Average equity | $23,111,330 | 2,914 |
| Average total loans | $146,989,330 | 2,689 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,225 |
| Cost of funding earning assets | 0.2635% | 4,566 |
| Net interest margin | 3.7348% | 2,539 |
| Noninterest income to average assets | 0.7523% | 1,811 |
| Noninterest expense to average assets | 3.1781% | 1,888 |
| Loan and lease loss provision to assets | 0.1505% | 1,409 |
| Net operating income to assets | 0.7807% | 3,352 |
| Return on assets (ROA) | 0.7807% | 3,452 |
| Pretax return on assets | 0.9780% | 3,557 |
| Return on Equity (ROE) | 8.0980% | 2,855 |
| Retained earnings to average equity (ytd only) | 4.1964% | 3,380 |
| Net charge-offs to loans | 0.3080% | 703 |
| Credit loss provision to net charge-offs | 79.6460% | 1,839 |
| Earnings coverage of net charge-offs (x) | 5.9735% | 2,278 |
| Efficiency ratio | 73.7966% | 2,515 |
| Assets per employee ($millions) | 3.8271% | 4,252 |
| Cash dividends to net income (ytd only)* | 48.1799% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 4,216 |
| Loan loss allowance to noncurrent loans | 73.8367% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 2,333 |
| Noncurrent loans to loans | 1.4513% | 1,629 |
| Net loans and leases to total assets | 64.6759% | 3,156 |
| Net loans and leases to deposits | 72.8570% | 3,566 |
| Net loans and leases to core deposits | 75.8843% | 3,696 |
| Total domestic deposits to total assets | 88.7710% | 1,220 |
| Equity capital to assets | 10.4793% | 3,525 |
| Core capital (leverage) ratio | 10.0662% | 3,451 |
| Tier 1 risk-based capital ratio | 18.1834% | 1,937 |
| Total risk-based capital ratio | 19.4138% | 1,902 |
| Memoranda: | ||
| Average total assets | $239,262,000 | 2,622 |
| Average earning assets | $227,697,000 | 2,570 |
| Average equity | $23,067,500 | 2,916 |
| Average total loans | $146,736,500 | 2,696 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3076% | 2,209 |
| Cost of funding earning assets | 0.2847% | 4,417 |
| Net interest margin | 4.0230% | 1,640 |
| Noninterest income to average assets | 0.9536% | 1,310 |
| Noninterest expense to average assets | 3.4813% | 1,326 |
| Loan and lease loss provision to assets | 0.1408% | 1,685 |
| Net operating income to assets | 0.9066% | 2,829 |
| Return on assets (ROA) | 0.9029% | 2,934 |
| Pretax return on assets | 1.1659% | 2,788 |
| Return on Equity (ROE) | 9.1861% | 2,371 |
| Retained earnings to average equity (ytd only) | 1.5824% | 4,819 |
| Net charge-offs to loans | 0.0687% | 2,864 |
| Credit loss provision to net charge-offs | 318.6275% | 935 |
| Earnings coverage of net charge-offs (x) | 29.6765% | 1,468 |
| Efficiency ratio | 72.6361% | 2,800 |
| Assets per employee ($millions) | 4.1365% | 3,684 |
| Cash dividends to net income (ytd only)* | 82.7735% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 4,241 |
| Loan loss allowance to noncurrent loans | 375.9524% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1638% | 4,952 |
| Noncurrent loans to loans | 0.2831% | 4,449 |
| Net loans and leases to total assets | 57.2316% | 4,168 |
| Net loans and leases to deposits | 63.2789% | 4,526 |
| Net loans and leases to core deposits | 65.2425% | 4,647 |
| Total domestic deposits to total assets | 90.4435% | 451 |
| Equity capital to assets | 8.8933% | 5,231 |
| Core capital (leverage) ratio | 10.0170% | 3,484 |
| Tier 1 risk-based capital ratio | 16.7598% | 2,376 |
| Total risk-based capital ratio | 17.9271% | 2,353 |
| Memoranda: | ||
| Average total assets | $230,805,600 | 2,657 |
| Average earning assets | $220,260,200 | 2,585 |
| Average equity | $22,686,400 | 2,907 |
| Average total loans | $148,491,000 | 2,618 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4467% | 1,767 |
| Cost of funding earning assets | 0.2917% | 4,435 |
| Net interest margin | 4.1550% | 1,268 |
| Noninterest income to average assets | 1.0202% | 1,141 |
| Noninterest expense to average assets | 3.4700% | 1,344 |
| Loan and lease loss provision to assets | 0.1188% | 1,913 |
| Net operating income to assets | 1.0602% | 2,168 |
| Return on assets (ROA) | 1.0553% | 2,289 |
| Pretax return on assets | 1.3946% | 2,039 |
| Return on Equity (ROE) | 10.4517% | 1,918 |
| Retained earnings to average equity (ytd only) | 2.5070% | 4,624 |
| Net charge-offs to loans | 0.0332% | 3,255 |
| Credit loss provision to net charge-offs | 540.5405% | 610 |
| Earnings coverage of net charge-offs (x) | 69.1380% | 823 |
| Efficiency ratio | 69.5404% | 3,283 |
| Assets per employee ($millions) | 3.6986% | 4,452 |
| Cash dividends to net income (ytd only)* | 76.0138% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,694 |
| Loan loss allowance to noncurrent loans | 237.3438% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 4,084 |
| Noncurrent loans to loans | 0.4257% | 4,076 |
| Net loans and leases to total assets | 65.9706% | 3,020 |
| Net loans and leases to deposits | 76.7290% | 3,226 |
| Net loans and leases to core deposits | 79.4121% | 3,474 |
| Total domestic deposits to total assets | 85.9787% | 2,530 |
| Equity capital to assets | 10.1456% | 4,002 |
| Core capital (leverage) ratio | 9.9855% | 3,654 |
| Tier 1 risk-based capital ratio | 17.2239% | 2,284 |
| Total risk-based capital ratio | 18.3746% | 2,273 |
| Memoranda: | ||
| Average total assets | $224,391,250 | 2,732 |
| Average earning assets | $214,386,750 | 2,656 |
| Average equity | $22,656,000 | 2,927 |
| Average total loans | $148,524,500 | 2,622 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,785 |
| Cost of funding earning assets | 0.2887% | 4,518 |
| Net interest margin | 4.1317% | 1,271 |
| Noninterest income to average assets | 0.9715% | 1,241 |
| Noninterest expense to average assets | 3.3583% | 1,558 |
| Loan and lease loss provision to assets | 0.1339% | 1,637 |
| Net operating income to assets | 1.0735% | 2,046 |
| Return on assets (ROA) | 1.0661% | 2,184 |
| Pretax return on assets | 1.4180% | 1,901 |
| Return on Equity (ROE) | 10.5767% | 1,823 |
| Retained earnings to average equity (ytd only) | 2.8258% | 4,241 |
| Net charge-offs to loans | 0.0108% | 3,530 |
| Credit loss provision to net charge-offs | 1,875.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 218.6250% | 321 |
| Efficiency ratio | 68.2577% | 3,640 |
| Assets per employee ($millions) | 3.8624% | 4,142 |
| Cash dividends to net income (ytd only)* | 73.2831% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 4,849 |
| Loan loss allowance to noncurrent loans | 418.4358% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 4,578 |
| Noncurrent loans to loans | 0.2402% | 4,799 |
| Net loans and leases to total assets | 64.7531% | 3,159 |
| Net loans and leases to deposits | 72.4345% | 3,677 |
| Net loans and leases to core deposits | 74.6678% | 3,887 |
| Total domestic deposits to total assets | 89.3953% | 954 |
| Equity capital to assets | 9.8806% | 4,176 |
| Core capital (leverage) ratio | 9.9638% | 3,656 |
| Tier 1 risk-based capital ratio | 17.5306% | 2,207 |
| Total risk-based capital ratio | 18.6910% | 2,197 |
| Memoranda: | ||
| Average total assets | $223,983,670 | 2,756 |
| Average earning assets | $214,054,670 | 2,677 |
| Average equity | $22,578,000 | 2,947 |
| Average total loans | $147,913,330 | 2,651 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,695 |
| Cost of funding earning assets | 0.2893% | 4,558 |
| Net interest margin | 4.1307% | 1,206 |
| Noninterest income to average assets | 0.9440% | 1,252 |
| Noninterest expense to average assets | 3.4787% | 1,358 |
| Loan and lease loss provision to assets | 0.1351% | 1,532 |
| Net operating income to assets | 0.9800% | 2,341 |
| Return on assets (ROA) | 0.9800% | 2,475 |
| Pretax return on assets | 1.2917% | 2,318 |
| Return on Equity (ROE) | 9.6245% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.0861% | 2,443 |
| Net charge-offs to loans | 0.0462% | 2,336 |
| Credit loss provision to net charge-offs | 441.1765% | 606 |
| Earnings coverage of net charge-offs (x) | 46.5882% | 886 |
| Efficiency ratio | 70.9144% | 3,332 |
| Assets per employee ($millions) | 3.9925% | 3,976 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 5,234 |
| Loan loss allowance to noncurrent loans | 159.7740% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 3,806 |
| Noncurrent loans to loans | 0.5971% | 3,787 |
| Net loans and leases to total assets | 64.5094% | 3,026 |
| Net loans and leases to deposits | 72.3811% | 3,501 |
| Net loans and leases to core deposits | 74.7174% | 3,714 |
| Total domestic deposits to total assets | 89.1247% | 1,184 |
| Equity capital to assets | 10.0778% | 4,049 |
| Core capital (leverage) ratio | 9.9937% | 3,609 |
| Tier 1 risk-based capital ratio | 17.8991% | 2,172 |
| Total risk-based capital ratio | 19.0162% | 2,178 |
| Memoranda: | ||
| Average total assets | $222,035,000 | 2,787 |
| Average earning assets | $212,940,500 | 2,702 |
| Average equity | $22,609,000 | 2,967 |
| Average total loans | $147,341,000 | 2,657 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 1,953 |
| Cost of funding earning assets | 0.3298% | 4,492 |
| Net interest margin | 4.1505% | 1,430 |
| Noninterest income to average assets | 0.9362% | 1,395 |
| Noninterest expense to average assets | 3.4112% | 1,677 |
| Loan and lease loss provision to assets | 0.0685% | 3,117 |
| Net operating income to assets | 1.0503% | 2,159 |
| Return on assets (ROA) | 1.0503% | 2,233 |
| Pretax return on assets | 1.4032% | 1,875 |
| Return on Equity (ROE) | 10.5411% | 1,885 |
| Retained earnings to average equity (ytd only) | 2.1806% | 4,690 |
| Net charge-offs to loans | 0.1381% | 2,640 |
| Credit loss provision to net charge-offs | 75.0000% | 2,968 |
| Earnings coverage of net charge-offs (x) | 16.1200% | 2,037 |
| Efficiency ratio | 69.8607% | 3,553 |
| Assets per employee ($millions) | 3.8005% | 4,342 |
| Cash dividends to net income (ytd only)* | 79.3133% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 5,380 |
| Loan loss allowance to noncurrent loans | 153.3937% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 3,835 |
| Noncurrent loans to loans | 0.6036% | 3,863 |
| Net loans and leases to total assets | 66.9855% | 2,730 |
| Net loans and leases to deposits | 75.2783% | 3,280 |
| Net loans and leases to core deposits | 77.5232% | 3,560 |
| Total domestic deposits to total assets | 88.9838% | 1,248 |
| Equity capital to assets | 10.2859% | 3,747 |
| Core capital (leverage) ratio | 9.9412% | 3,659 |
| Tier 1 risk-based capital ratio | 19.5388% | 1,711 |
| Total risk-based capital ratio | 20.7263% | 1,698 |
| Memoranda: | ||
| Average total assets | $219,074,000 | 2,792 |
| Average earning assets | $208,313,800 | 2,722 |
| Average equity | $21,828,800 | 2,967 |
| Average total loans | $144,807,600 | 2,646 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4582% | 2,019 |
| Cost of funding earning assets | 0.3393% | 4,473 |
| Net interest margin | 4.1189% | 1,520 |
| Noninterest income to average assets | 0.9450% | 1,373 |
| Noninterest expense to average assets | 3.2354% | 2,070 |
| Loan and lease loss provision to assets | 0.0910% | 2,529 |
| Net operating income to assets | 1.1276% | 1,942 |
| Return on assets (ROA) | 1.1276% | 2,004 |
| Pretax return on assets | 1.5227% | 1,574 |
| Return on Equity (ROE) | 11.4078% | 1,659 |
| Retained earnings to average equity (ytd only) | 3.5795% | 4,101 |
| Net charge-offs to loans | 0.1468% | 2,323 |
| Credit loss provision to net charge-offs | 94.3396% | 2,352 |
| Earnings coverage of net charge-offs (x) | 16.7236% | 1,948 |
| Efficiency ratio | 66.7209% | 4,094 |
| Assets per employee ($millions) | 3.9094% | 4,067 |
| Cash dividends to net income (ytd only)* | 68.6223% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 5,388 |
| Loan loss allowance to noncurrent loans | 237.5850% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 4,600 |
| Noncurrent loans to loans | 0.4033% | 4,696 |
| Net loans and leases to total assets | 63.6828% | 3,233 |
| Net loans and leases to deposits | 71.1683% | 3,775 |
| Net loans and leases to core deposits | 73.1810% | 4,031 |
| Total domestic deposits to total assets | 89.4820% | 989 |
| Equity capital to assets | 9.8053% | 4,413 |
| Core capital (leverage) ratio | 9.9829% | 3,705 |
| Tier 1 risk-based capital ratio | 19.5550% | 1,769 |
| Total risk-based capital ratio | 20.7735% | 1,741 |
| Memoranda: | ||
| Average total assets | $219,686,000 | 2,806 |
| Average earning assets | $208,239,750 | 2,741 |
| Average equity | $21,715,500 | 2,983 |
| Average total loans | $144,393,500 | 2,663 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,858 |
| Cost of funding earning assets | 0.3469% | 4,466 |
| Net interest margin | 4.1442% | 1,396 |
| Noninterest income to average assets | 0.7997% | 1,839 |
| Noninterest expense to average assets | 3.2181% | 2,134 |
| Loan and lease loss provision to assets | 0.1150% | 2,116 |
| Net operating income to assets | 1.0417% | 2,154 |
| Return on assets (ROA) | 1.0417% | 2,219 |
| Pretax return on assets | 1.3914% | 1,922 |
| Return on Equity (ROE) | 10.5092% | 1,935 |
| Retained earnings to average equity (ytd only) | 2.8501% | 4,392 |
| Net charge-offs to loans | 0.2057% | 1,791 |
| Credit loss provision to net charge-offs | 84.4595% | 2,270 |
| Earnings coverage of net charge-offs (x) | 11.0608% | 2,188 |
| Efficiency ratio | 68.1145% | 3,986 |
| Assets per employee ($millions) | 3.8565% | 4,149 |
| Cash dividends to net income (ytd only)* | 72.8799% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 5,488 |
| Loan loss allowance to noncurrent loans | 235.2041% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 4,097 |
| Noncurrent loans to loans | 0.4121% | 4,751 |
| Net loans and leases to total assets | 64.2838% | 3,030 |
| Net loans and leases to deposits | 75.7658% | 3,086 |
| Net loans and leases to core deposits | 77.8885% | 3,453 |
| Total domestic deposits to total assets | 84.8455% | 3,587 |
| Equity capital to assets | 9.9626% | 4,162 |
| Core capital (leverage) ratio | 10.1026% | 3,469 |
| Tier 1 risk-based capital ratio | 19.7249% | 1,751 |
| Total risk-based capital ratio | 20.9569% | 1,727 |
| Memoranda: | ||
| Average total assets | $217,333,330 | 2,844 |
| Average earning assets | $205,828,670 | 2,776 |
| Average equity | $21,543,000 | 2,993 |
| Average total loans | $143,926,670 | 2,673 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 1,833 |
| Cost of funding earning assets | 0.3433% | 4,607 |
| Net interest margin | 4.1506% | 1,341 |
| Noninterest income to average assets | 1.0033% | 1,122 |
| Noninterest expense to average assets | 3.2005% | 2,233 |
| Loan and lease loss provision to assets | 0.1388% | 1,753 |
| Net operating income to assets | 1.1977% | 1,493 |
| Return on assets (ROA) | 1.1977% | 1,564 |
| Pretax return on assets | 1.6253% | 1,125 |
| Return on Equity (ROE) | 12.1136% | 1,383 |
| Retained earnings to average equity (ytd only) | 8.8371% | 1,298 |
| Net charge-offs to loans | 0.1743% | 1,672 |
| Credit loss provision to net charge-offs | 119.0476% | 1,463 |
| Earnings coverage of net charge-offs (x) | 15.1270% | 1,564 |
| Efficiency ratio | 64.4668% | 4,785 |
| Assets per employee ($millions) | 4.0288% | 3,892 |
| Cash dividends to net income (ytd only)* | 27.0479% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 5,559 |
| Loan loss allowance to noncurrent loans | 475.8389% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 4,670 |
| Noncurrent loans to loans | 0.2085% | 5,474 |
| Net loans and leases to total assets | 63.8534% | 2,921 |
| Net loans and leases to deposits | 75.0884% | 2,932 |
| Net loans and leases to core deposits | 77.0633% | 3,300 |
| Total domestic deposits to total assets | 85.0377% | 3,845 |
| Equity capital to assets | 9.8031% | 4,107 |
| Core capital (leverage) ratio | 10.2535% | 3,214 |
| Tier 1 risk-based capital ratio | 19.6740% | 1,798 |
| Total risk-based capital ratio | 20.9238% | 1,769 |
| Memoranda: | ||
| Average total assets | $216,089,000 | 2,873 |
| Average earning assets | $206,234,000 | 2,785 |
| Average equity | $21,364,500 | 3,011 |
| Average total loans | $144,543,500 | 2,669 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,754 |
| Cost of funding earning assets | 0.4072% | 4,564 |
| Net interest margin | 4.2293% | 1,276 |
| Noninterest income to average assets | 0.7678% | 2,229 |
| Noninterest expense to average assets | 3.3369% | 2,033 |
| Loan and lease loss provision to assets | 0.3170% | 1,045 |
| Net operating income to assets | 0.8477% | 3,047 |
| Return on assets (ROA) | 0.8512% | 3,103 |
| Pretax return on assets | 1.1225% | 2,874 |
| Return on Equity (ROE) | 8.5350% | 2,769 |
| Retained earnings to average equity (ytd only) | 1.5939% | 5,086 |
| Net charge-offs to loans | 0.6218% | 1,056 |
| Credit loss provision to net charge-offs | 73.3549% | 3,219 |
| Earnings coverage of net charge-offs (x) | 3.3204% | 3,892 |
| Efficiency ratio | 69.9297% | 3,846 |
| Assets per employee ($millions) | 3.9735% | 3,916 |
| Cash dividends to net income (ytd only)* | 81.3253% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 5,718 |
| Loan loss allowance to noncurrent loans | 380.0000% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 4,581 |
| Noncurrent loans to loans | 0.2531% | 5,422 |
| Net loans and leases to total assets | 68.7455% | 2,217 |
| Net loans and leases to deposits | 81.1609% | 2,301 |
| Net loans and leases to core deposits | 83.5434% | 2,719 |
| Total domestic deposits to total assets | 84.7028% | 3,889 |
| Equity capital to assets | 9.9751% | 3,805 |
| Core capital (leverage) ratio | 10.0299% | 3,519 |
| Tier 1 risk-based capital ratio | 19.0600% | 1,903 |
| Total risk-based capital ratio | 20.2874% | 1,867 |
| Memoranda: | ||
| Average total assets | $214,512,800 | 2,866 |
| Average earning assets | $203,082,600 | 2,798 |
| Average equity | $21,394,200 | 2,992 |
| Average total loans | $149,087,000 | 2,573 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,924 |
| Cost of funding earning assets | 0.4205% | 4,605 |
| Net interest margin | 4.1739% | 1,409 |
| Noninterest income to average assets | 0.7524% | 2,360 |
| Noninterest expense to average assets | 3.2037% | 2,356 |
| Loan and lease loss provision to assets | 0.3372% | 969 |
| Net operating income to assets | 0.8850% | 2,910 |
| Return on assets (ROA) | 0.8897% | 3,001 |
| Pretax return on assets | 1.1539% | 2,879 |
| Return on Equity (ROE) | 8.9214% | 2,676 |
| Retained earnings to average equity (ytd only) | 3.4184% | 4,251 |
| Net charge-offs to loans | 0.7974% | 740 |
| Credit loss provision to net charge-offs | 60.8259% | 3,281 |
| Earnings coverage of net charge-offs (x) | 2.6786% | 3,942 |
| Efficiency ratio | 68.3294% | 4,030 |
| Assets per employee ($millions) | 3.9181% | 4,003 |
| Cash dividends to net income (ytd only)* | 61.6829% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,145 |
| Loan loss allowance to noncurrent loans | 306.3529% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 4,266 |
| Noncurrent loans to loans | 0.2825% | 5,522 |
| Net loans and leases to total assets | 67.9823% | 2,299 |
| Net loans and leases to deposits | 81.2126% | 2,241 |
| Net loans and leases to core deposits | 83.5246% | 2,704 |
| Total domestic deposits to total assets | 83.7090% | 4,311 |
| Equity capital to assets | 9.8001% | 4,183 |
| Core capital (leverage) ratio | 10.2325% | 3,356 |
| Tier 1 risk-based capital ratio | 18.3168% | 2,209 |
| Total risk-based capital ratio | 19.3986% | 2,231 |
| Memoranda: | ||
| Average total assets | $215,492,500 | 2,880 |
| Average earning assets | $203,226,000 | 2,814 |
| Average equity | $21,491,000 | 3,017 |
| Average total loans | $149,813,750 | 2,569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,953 |
| Cost of funding earning assets | 0.4482% | 4,448 |
| Net interest margin | 4.1213% | 1,486 |
| Noninterest income to average assets | 0.7694% | 2,329 |
| Noninterest expense to average assets | 3.2579% | 2,198 |
| Loan and lease loss provision to assets | 0.2521% | 1,469 |
| Net operating income to assets | 0.8871% | 2,863 |
| Return on assets (ROA) | 0.8871% | 3,019 |
| Pretax return on assets | 1.1485% | 2,888 |
| Return on Equity (ROE) | 8.8426% | 2,684 |
| Retained earnings to average equity (ytd only) | 1.0518% | 5,480 |
| Net charge-offs to loans | 0.7380% | 878 |
| Credit loss provision to net charge-offs | 48.9130% | 3,235 |
| Earnings coverage of net charge-offs (x) | 2.7174% | 3,613 |
| Efficiency ratio | 69.9339% | 3,838 |
| Assets per employee ($millions) | 3.7897% | 4,233 |
| Cash dividends to net income (ytd only)* | 88.1053% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,115 |
| Loan loss allowance to noncurrent loans | 306.7114% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 4,304 |
| Noncurrent loans to loans | 0.2957% | 5,561 |
| Net loans and leases to total assets | 69.3494% | 2,008 |
| Net loans and leases to deposits | 81.4290% | 2,125 |
| Net loans and leases to core deposits | 83.9107% | 2,575 |
| Total domestic deposits to total assets | 85.1654% | 3,817 |
| Equity capital to assets | 9.7040% | 4,303 |
| Core capital (leverage) ratio | 10.1188% | 3,337 |
| Tier 1 risk-based capital ratio | 17.8703% | 2,369 |
| Total risk-based capital ratio | 19.0042% | 2,379 |
| Memoranda: | ||
| Average total assets | $214,184,670 | 2,914 |
| Average earning assets | $202,120,330 | 2,843 |
| Average equity | $21,487,000 | 3,034 |
| Average total loans | $149,596,330 | 2,577 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 2,015 |
| Cost of funding earning assets | 0.4840% | 4,247 |
| Net interest margin | 4.0583% | 1,595 |
| Noninterest income to average assets | 0.7390% | 2,380 |
| Noninterest expense to average assets | 3.3498% | 1,959 |
| Loan and lease loss provision to assets | 0.2532% | 1,414 |
| Net operating income to assets | 0.7709% | 3,327 |
| Return on assets (ROA) | 0.7709% | 3,468 |
| Pretax return on assets | 0.9734% | 3,467 |
| Return on Equity (ROE) | 7.5588% | 3,186 |
| Retained earnings to average equity (ytd only) | 1.3610% | 5,301 |
| Net charge-offs to loans | 0.5161% | 1,165 |
| Credit loss provision to net charge-offs | 70.3125% | 2,290 |
| Earnings coverage of net charge-offs (x) | 3.4063% | 2,775 |
| Efficiency ratio | 73.1967% | 3,416 |
| Assets per employee ($millions) | 3.9195% | 4,120 |
| Cash dividends to net income (ytd only)* | 81.9951% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,729 |
| Loan loss allowance to noncurrent loans | 78.5047% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.3787% | 3,203 |
| Noncurrent loans to loans | 1.3584% | 3,529 |
| Net loans and leases to total assets | 68.6846% | 1,894 |
| Net loans and leases to deposits | 83.2222% | 1,678 |
| Net loans and leases to core deposits | 85.8437% | 2,118 |
| Total domestic deposits to total assets | 82.5315% | 5,016 |
| Equity capital to assets | 10.0681% | 4,056 |
| Core capital (leverage) ratio | 9.9937% | 3,391 |
| Tier 1 risk-based capital ratio | 17.8193% | 2,439 |
| Total risk-based capital ratio | 19.0701% | 2,399 |
| Memoranda: | ||
| Average total assets | $213,269,500 | 2,949 |
| Average earning assets | $201,660,500 | 2,882 |
| Average equity | $21,749,500 | 3,054 |
| Average total loans | $148,806,500 | 2,599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 1,795 |
| Cost of funding earning assets | 0.7353% | 3,205 |
| Net interest margin | 4.1775% | 1,722 |
| Noninterest income to average assets | 0.6854% | 2,797 |
| Noninterest expense to average assets | 3.1181% | 2,874 |
| Loan and lease loss provision to assets | 0.2642% | 2,529 |
| Net operating income to assets | 1.0028% | 2,323 |
| Return on assets (ROA) | 1.0477% | 2,332 |
| Pretax return on assets | 1.3095% | 2,362 |
| Return on Equity (ROE) | 10.3287% | 2,038 |
| Retained earnings to average equity (ytd only) | 4.3993% | 3,133 |
| Net charge-offs to loans | 0.2723% | 3,300 |
| Credit loss provision to net charge-offs | 139.6509% | 1,973 |
| Earnings coverage of net charge-offs (x) | 8.0224% | 2,488 |
| Efficiency ratio | 67.2637% | 4,276 |
| Assets per employee ($millions) | 3.9068% | 4,139 |
| Cash dividends to net income (ytd only)* | 57.4066% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,482 |
| Loan loss allowance to noncurrent loans | 66.2525% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 3,036 |
| Noncurrent loans to loans | 1.6863% | 3,089 |
| Net loans and leases to total assets | 69.3470% | 1,964 |
| Net loans and leases to deposits | 84.3967% | 1,714 |
| Net loans and leases to core deposits | 87.1233% | 2,178 |
| Total domestic deposits to total assets | 82.1679% | 5,036 |
| Equity capital to assets | 10.3310% | 3,717 |
| Core capital (leverage) ratio | 9.8882% | 3,560 |
| Tier 1 risk-based capital ratio | 17.9704% | 2,270 |
| Total risk-based capital ratio | 19.2220% | 2,242 |
| Memoranda: | ||
| Average total assets | $211,987,200 | 2,904 |
| Average earning assets | $200,456,200 | 2,841 |
| Average equity | $21,503,200 | 3,042 |
| Average total loans | $147,248,800 | 2,617 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 1,836 |
| Cost of funding earning assets | 0.8024% | 2,920 |
| Net interest margin | 4.1471% | 1,912 |
| Noninterest income to average assets | 0.6577% | 2,950 |
| Noninterest expense to average assets | 2.9821% | 3,298 |
| Loan and lease loss provision to assets | 0.2387% | 2,663 |
| Net operating income to assets | 1.0272% | 2,374 |
| Return on assets (ROA) | 1.0792% | 2,374 |
| Pretax return on assets | 1.4178% | 2,180 |
| Return on Equity (ROE) | 10.6887% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.4003% | 3,097 |
| Net charge-offs to loans | 0.3526% | 2,693 |
| Credit loss provision to net charge-offs | 97.6864% | 3,065 |
| Earnings coverage of net charge-offs (x) | 6.4988% | 2,776 |
| Efficiency ratio | 65.2509% | 4,582 |
| Assets per employee ($millions) | 4.1997% | 3,471 |
| Cash dividends to net income (ytd only)* | 49.4763% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 6,136 |
| Loan loss allowance to noncurrent loans | 86.8421% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1812% | 3,933 |
| Noncurrent loans to loans | 1.1354% | 4,158 |
| Net loans and leases to total assets | 69.6205% | 1,990 |
| Net loans and leases to deposits | 82.2289% | 2,089 |
| Net loans and leases to core deposits | 85.4148% | 2,534 |
| Total domestic deposits to total assets | 84.6667% | 3,908 |
| Equity capital to assets | 10.1916% | 4,218 |
| Core capital (leverage) ratio | 10.0089% | 3,527 |
| Tier 1 risk-based capital ratio | 17.6405% | 2,482 |
| Total risk-based capital ratio | 18.8637% | 2,462 |
| Memoranda: | ||
| Average total assets | $212,242,000 | 2,936 |
| Average earning assets | $200,229,000 | 2,861 |
| Average equity | $21,430,250 | 3,073 |
| Average total loans | $147,072,750 | 2,647 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 2,011 |
| Cost of funding earning assets | 0.8791% | 2,571 |
| Net interest margin | 4.0443% | 2,321 |
| Noninterest income to average assets | 0.7136% | 2,590 |
| Noninterest expense to average assets | 2.9661% | 3,388 |
| Loan and lease loss provision to assets | 0.2552% | 2,537 |
| Net operating income to assets | 1.0141% | 2,405 |
| Return on assets (ROA) | 1.0898% | 2,302 |
| Pretax return on assets | 1.4131% | 2,153 |
| Return on Equity (ROE) | 10.8276% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.8365% | 2,196 |
| Net charge-offs to loans | 0.1316% | 3,874 |
| Credit loss provision to net charge-offs | 281.2500% | 1,047 |
| Earnings coverage of net charge-offs (x) | 17.3021% | 1,537 |
| Efficiency ratio | 65.3886% | 4,649 |
| Assets per employee ($millions) | 4.0726% | 3,717 |
| Cash dividends to net income (ytd only)* | 36.8604% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,685 |
| Loan loss allowance to noncurrent loans | 82.8203% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3906% | 3,642 |
| Noncurrent loans to loans | 1.3546% | 3,893 |
| Net loans and leases to total assets | 69.4172% | 2,023 |
| Net loans and leases to deposits | 79.8906% | 2,398 |
| Net loans and leases to core deposits | 84.3909% | 2,639 |
| Total domestic deposits to total assets | 86.8904% | 2,837 |
| Equity capital to assets | 10.2141% | 4,036 |
| Core capital (leverage) ratio | 9.9609% | 3,472 |
| Tier 1 risk-based capital ratio | 17.6106% | 2,431 |
| Total risk-based capital ratio | 18.8621% | 2,405 |
| Memoranda: | ||
| Average total assets | $211,593,670 | 2,953 |
| Average earning assets | $199,983,000 | 2,871 |
| Average equity | $21,297,330 | 3,074 |
| Average total loans | $145,896,000 | 2,672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 1,939 |
| Cost of funding earning assets | 0.9192% | 2,526 |
| Net interest margin | 4.0664% | 2,225 |
| Noninterest income to average assets | 0.6676% | 2,823 |
| Noninterest expense to average assets | 2.9673% | 3,400 |
| Loan and lease loss provision to assets | 0.1702% | 3,268 |
| Net operating income to assets | 1.0383% | 2,333 |
| Return on assets (ROA) | 1.0213% | 2,587 |
| Pretax return on assets | 1.3560% | 2,349 |
| Return on Equity (ROE) | 10.2222% | 2,321 |
| Retained earnings to average equity (ytd only) | 10.2222% | 1,208 |
| Net charge-offs to loans | 0.1799% | 3,020 |
| Credit loss provision to net charge-offs | 138.4615% | 1,779 |
| Earnings coverage of net charge-offs (x) | 12.6000% | 1,589 |
| Efficiency ratio | 65.7035% | 4,610 |
| Assets per employee ($millions) | 4.3832% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 6,063 |
| Loan loss allowance to noncurrent loans | 124.9178% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1952% | 4,129 |
| Noncurrent loans to loans | 0.8438% | 4,989 |
| Net loans and leases to total assets | 66.3873% | 2,390 |
| Net loans and leases to deposits | 76.1405% | 2,777 |
| Net loans and leases to core deposits | 80.3469% | 3,033 |
| Total domestic deposits to total assets | 87.1906% | 2,833 |
| Equity capital to assets | 9.9423% | 4,200 |
| Core capital (leverage) ratio | 9.7513% | 3,704 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,508 |
| Total risk-based capital ratio | 18.6715% | 2,477 |
| Memoranda: | ||
| Average total assets | $211,502,500 | 2,974 |
| Average earning assets | $200,178,500 | 2,895 |
| Average equity | $21,130,500 | 3,093 |
| Average total loans | $144,505,500 | 2,712 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 2,267 |
| Cost of funding earning assets | 1.1744% | 2,193 |
| Net interest margin | 3.9708% | 3,021 |
| Noninterest income to average assets | 0.5758% | 3,324 |
| Noninterest expense to average assets | 3.0150% | 3,537 |
| Loan and lease loss provision to assets | 0.3196% | 3,128 |
| Net operating income to assets | 0.7596% | 3,221 |
| Return on assets (ROA) | 0.7596% | 3,379 |
| Pretax return on assets | 0.9717% | 3,346 |
| Return on Equity (ROE) | 7.8773% | 2,973 |
| Retained earnings to average equity (ytd only) | 4.0811% | 3,286 |
| Net charge-offs to loans | 0.4408% | 3,231 |
| Credit loss provision to net charge-offs | 109.2233% | 3,073 |
| Earnings coverage of net charge-offs (x) | 4.4126% | 3,124 |
| Efficiency ratio | 70.0132% | 3,956 |
| Assets per employee ($millions) | 4.1645% | 3,524 |
| Cash dividends to net income (ytd only)* | 48.1920% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 6,067 |
| Loan loss allowance to noncurrent loans | 106.8670% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 3,861 |
| Noncurrent loans to loans | 0.9648% | 4,778 |
| Net loans and leases to total assets | 68.8732% | 2,237 |
| Net loans and leases to deposits | 79.1169% | 2,665 |
| Net loans and leases to core deposits | 83.6329% | 2,941 |
| Total domestic deposits to total assets | 87.0525% | 2,733 |
| Equity capital to assets | 10.0405% | 4,120 |
| Core capital (leverage) ratio | 9.8120% | 3,579 |
| Tier 1 risk-based capital ratio | 17.0903% | 2,562 |
| Total risk-based capital ratio | 18.3329% | 2,521 |
| Memoranda: | ||
| Average total assets | $211,177,000 | 2,929 |
| Average earning assets | $198,398,200 | 2,875 |
| Average equity | $20,362,400 | 3,086 |
| Average total loans | $140,197,400 | 2,782 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 2,346 |
| Cost of funding earning assets | 1.2248% | 2,163 |
| Net interest margin | 3.9350% | 3,206 |
| Noninterest income to average assets | 0.5618% | 3,435 |
| Noninterest expense to average assets | 2.9854% | 3,603 |
| Loan and lease loss provision to assets | 0.2831% | 3,256 |
| Net operating income to assets | 0.7758% | 3,276 |
| Return on assets (ROA) | 0.7758% | 3,438 |
| Pretax return on assets | 0.9802% | 3,473 |
| Return on Equity (ROE) | 8.1279% | 2,992 |
| Retained earnings to average equity (ytd only) | 5.1021% | 3,108 |
| Net charge-offs to loans | 0.3549% | 3,318 |
| Credit loss provision to net charge-offs | 121.6216% | 2,664 |
| Earnings coverage of net charge-offs (x) | 5.4270% | 2,791 |
| Efficiency ratio | 70.2651% | 3,914 |
| Assets per employee ($millions) | 4.0904% | 3,655 |
| Cash dividends to net income (ytd only)* | 37.2260% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 5,951 |
| Loan loss allowance to noncurrent loans | 63.7280% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.7017% | 3,536 |
| Noncurrent loans to loans | 1.6984% | 3,761 |
| Net loans and leases to total assets | 66.5010% | 2,782 |
| Net loans and leases to deposits | 76.3132% | 3,281 |
| Net loans and leases to core deposits | 80.8110% | 3,510 |
| Total domestic deposits to total assets | 87.1422% | 2,557 |
| Equity capital to assets | 10.0349% | 4,292 |
| Core capital (leverage) ratio | 9.7723% | 3,740 |
| Tier 1 risk-based capital ratio | 17.1568% | 2,583 |
| Total risk-based capital ratio | 18.4068% | 2,543 |
| Memoranda: | ||
| Average total assets | $211,914,750 | 2,931 |
| Average earning assets | $198,555,750 | 2,880 |
| Average equity | $20,226,250 | 3,111 |
| Average total loans | $139,020,250 | 2,831 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 2,355 |
| Cost of funding earning assets | 1.2692% | 2,125 |
| Net interest margin | 3.9081% | 3,269 |
| Noninterest income to average assets | 0.5990% | 3,152 |
| Noninterest expense to average assets | 3.0157% | 3,577 |
| Loan and lease loss provision to assets | 0.3521% | 2,674 |
| Net operating income to assets | 0.7107% | 3,491 |
| Return on assets (ROA) | 0.7107% | 3,603 |
| Pretax return on assets | 0.8826% | 3,698 |
| Return on Equity (ROE) | 7.5737% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.2921% | 3,467 |
| Net charge-offs to loans | 0.4213% | 2,877 |
| Credit loss provision to net charge-offs | 128.4247% | 2,378 |
| Earnings coverage of net charge-offs (x) | 4.5034% | 2,844 |
| Efficiency ratio | 70.9521% | 3,940 |
| Assets per employee ($millions) | 4.1877% | 3,371 |
| Cash dividends to net income (ytd only)* | 43.3289% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 5,952 |
| Loan loss allowance to noncurrent loans | 57.1643% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 3,685 |
| Noncurrent loans to loans | 1.9273% | 3,570 |
| Net loans and leases to total assets | 65.1650% | 3,215 |
| Net loans and leases to deposits | 74.6360% | 3,702 |
| Net loans and leases to core deposits | 78.7575% | 3,966 |
| Total domestic deposits to total assets | 87.3104% | 2,563 |
| Equity capital to assets | 9.7749% | 4,418 |
| Core capital (leverage) ratio | 9.4719% | 3,992 |
| Tier 1 risk-based capital ratio | 16.6794% | 2,657 |
| Total risk-based capital ratio | 17.9295% | 2,619 |
| Memoranda: | ||
| Average total assets | $213,015,670 | 2,937 |
| Average earning assets | $199,022,330 | 2,884 |
| Average equity | $19,990,330 | 3,126 |
| Average total loans | $138,611,330 | 2,872 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 2,381 |
| Cost of funding earning assets | 1.3244% | 2,041 |
| Net interest margin | 3.8358% | 3,441 |
| Noninterest income to average assets | 0.6517% | 2,834 |
| Noninterest expense to average assets | 2.9903% | 3,689 |
| Loan and lease loss provision to assets | 0.4189% | 2,095 |
| Net operating income to assets | 0.6871% | 3,572 |
| Return on assets (ROA) | 0.6871% | 3,640 |
| Pretax return on assets | 0.8286% | 3,797 |
| Return on Equity (ROE) | 7.4727% | 3,162 |
| Retained earnings to average equity (ytd only) | 5.0628% | 3,148 |
| Net charge-offs to loans | 0.1008% | 3,943 |
| Credit loss provision to net charge-offs | 642.8571% | 584 |
| Earnings coverage of net charge-offs (x) | 19.1429% | 1,154 |
| Efficiency ratio | 70.5624% | 4,149 |
| Assets per employee ($millions) | 4.5082% | 2,874 |
| Cash dividends to net income (ytd only)* | 32.2493% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,676 |
| Loan loss allowance to noncurrent loans | 59.9632% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.6761% | 3,739 |
| Noncurrent loans to loans | 1.9877% | 3,588 |
| Net loans and leases to total assets | 62.3684% | 3,780 |
| Net loans and leases to deposits | 70.8868% | 4,209 |
| Net loans and leases to core deposits | 74.9656% | 4,433 |
| Total domestic deposits to total assets | 87.9831% | 2,381 |
| Equity capital to assets | 9.1878% | 4,888 |
| Core capital (leverage) ratio | 9.2619% | 4,185 |
| Tier 1 risk-based capital ratio | 16.5246% | 2,649 |
| Total risk-based capital ratio | 17.7759% | 2,626 |
| Memoranda: | ||
| Average total assets | $214,831,500 | 2,941 |
| Average earning assets | $200,842,500 | 2,877 |
| Average equity | $19,752,000 | 3,154 |
| Average total loans | $138,934,500 | 2,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3975% | 2,682 |
| Cost of funding earning assets | 1.6400% | 1,867 |
| Net interest margin | 3.7575% | 4,120 |
| Noninterest income to average assets | 0.3079% | 5,595 |
| Noninterest expense to average assets | 2.9637% | 3,984 |
| Loan and lease loss provision to assets | 0.4989% | 3,156 |
| Net operating income to assets | 0.4118% | 4,492 |
| Return on assets (ROA) | 0.4857% | 4,322 |
| Pretax return on assets | 0.4240% | 4,872 |
| Return on Equity (ROE) | 5.4019% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.0162% | 3,737 |
| Net charge-offs to loans | 0.7467% | 2,778 |
| Credit loss provision to net charge-offs | 99.7280% | 4,640 |
| Earnings coverage of net charge-offs (x) | 1.6972% | 4,454 |
| Efficiency ratio | 77.7328% | 2,752 |
| Assets per employee ($millions) | 4.1817% | 3,416 |
| Cash dividends to net income (ytd only)* | 44.1643% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 6,298 |
| Loan loss allowance to noncurrent loans | 44.8814% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9347% | 3,432 |
| Noncurrent loans to loans | 2.2679% | 3,254 |
| Net loans and leases to total assets | 65.5705% | 3,550 |
| Net loans and leases to deposits | 74.6161% | 4,093 |
| Net loans and leases to core deposits | 78.9683% | 4,346 |
| Total domestic deposits to total assets | 87.8772% | 2,321 |
| Equity capital to assets | 9.2006% | 4,843 |
| Core capital (leverage) ratio | 9.1131% | 4,330 |
| Tier 1 risk-based capital ratio | 15.8035% | 2,839 |
| Total risk-based capital ratio | 16.9562% | 2,854 |
| Memoranda: | ||
| Average total assets | $220,500,200 | 2,858 |
| Average earning assets | $205,667,800 | 2,801 |
| Average equity | $19,826,200 | 3,170 |
| Average total loans | $147,715,000 | 2,813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4035% | 2,862 |
| Cost of funding earning assets | 1.7034% | 1,865 |
| Net interest margin | 3.7000% | 4,398 |
| Noninterest income to average assets | 0.2639% | 6,009 |
| Noninterest expense to average assets | 2.8956% | 4,106 |
| Loan and lease loss provision to assets | 0.4798% | 3,076 |
| Net operating income to assets | 0.3278% | 5,055 |
| Return on assets (ROA) | 0.4216% | 4,834 |
| Pretax return on assets | 0.4384% | 5,116 |
| Return on Equity (ROE) | 4.7155% | 4,443 |
| Retained earnings to average equity (ytd only) | 2.5824% | 4,612 |
| Net charge-offs to loans | 0.6786% | 2,729 |
| Credit loss provision to net charge-offs | 105.2632% | 4,070 |
| Earnings coverage of net charge-offs (x) | 1.8000% | 4,363 |
| Efficiency ratio | 77.9212% | 2,636 |
| Assets per employee ($millions) | 4.3786% | 3,110 |
| Cash dividends to net income (ytd only)* | 45.2348% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,327 |
| Loan loss allowance to noncurrent loans | 42.2419% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 2.2856% | 3,099 |
| Noncurrent loans to loans | 2.4022% | 3,233 |
| Net loans and leases to total assets | 65.9867% | 3,695 |
| Net loans and leases to deposits | 74.9783% | 4,342 |
| Net loans and leases to core deposits | 79.2541% | 4,625 |
| Total domestic deposits to total assets | 88.0077% | 1,955 |
| Equity capital to assets | 9.1101% | 5,434 |
| Core capital (leverage) ratio | 8.9268% | 4,811 |
| Tier 1 risk-based capital ratio | 15.4872% | 3,003 |
| Total risk-based capital ratio | 16.6631% | 3,005 |
| Memoranda: | ||
| Average total assets | $222,308,250 | 2,880 |
| Average earning assets | $207,417,500 | 2,819 |
| Average equity | $19,877,250 | 3,201 |
| Average total loans | $149,324,000 | 2,821 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4099% | 2,933 |
| Cost of funding earning assets | 1.7771% | 1,737 |
| Net interest margin | 3.6328% | 4,676 |
| Noninterest income to average assets | 0.2775% | 5,931 |
| Noninterest expense to average assets | 2.7713% | 4,613 |
| Loan and lease loss provision to assets | 0.6266% | 2,292 |
| Net operating income to assets | 0.2703% | 5,296 |
| Return on assets (ROA) | 0.2703% | 5,445 |
| Pretax return on assets | 0.2703% | 5,594 |
| Return on Equity (ROE) | 3.0421% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.0421% | 4,175 |
| Net charge-offs to loans | 0.9505% | 1,937 |
| Credit loss provision to net charge-offs | 97.9021% | 4,186 |
| Earnings coverage of net charge-offs (x) | 1.4014% | 4,435 |
| Efficiency ratio | 75.5490% | 3,153 |
| Assets per employee ($millions) | 4.5325% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 6,550 |
| Loan loss allowance to noncurrent loans | 38.9511% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 2.3699% | 3,044 |
| Noncurrent loans to loans | 2.4766% | 3,169 |
| Net loans and leases to total assets | 67.2913% | 3,556 |
| Net loans and leases to deposits | 79.3435% | 3,724 |
| Net loans and leases to core deposits | 83.8089% | 4,157 |
| Total domestic deposits to total assets | 84.8102% | 3,722 |
| Equity capital to assets | 9.2250% | 5,107 |
| Core capital (leverage) ratio | 8.7897% | 4,932 |
| Tier 1 risk-based capital ratio | 15.4796% | 2,904 |
| Total risk-based capital ratio | 16.6162% | 2,937 |
| Memoranda: | ||
| Average total assets | $223,433,670 | 2,891 |
| Average earning assets | $208,543,330 | 2,828 |
| Average equity | $19,854,670 | 3,192 |
| Average total loans | $150,449,670 | 2,828 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 3,493 |
| Cost of funding earning assets | 1.7896% | 1,921 |
| Net interest margin | 3.5206% | 5,084 |
| Noninterest income to average assets | 0.5884% | 3,350 |
| Noninterest expense to average assets | 2.6629% | 5,093 |
| Loan and lease loss provision to assets | 0.6185% | 2,056 |
| Net operating income to assets | 0.5619% | 4,071 |
| Return on assets (ROA) | 0.5619% | 4,218 |
| Pretax return on assets | 0.6026% | 4,591 |
| Return on Equity (ROE) | 6.4415% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.4415% | 2,380 |
| Net charge-offs to loans | 1.2572% | 1,355 |
| Credit loss provision to net charge-offs | 73.3753% | 4,024 |
| Earnings coverage of net charge-offs (x) | 1.4486% | 3,871 |
| Efficiency ratio | 68.5623% | 4,614 |
| Assets per employee ($millions) | 4.5525% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 6,915 |
| Loan loss allowance to noncurrent loans | 28.8664% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 2.7313% | 2,664 |
| Noncurrent loans to loans | 3.0290% | 2,648 |
| Net loans and leases to total assets | 65.4439% | 4,007 |
| Net loans and leases to deposits | 76.5070% | 4,315 |
| Net loans and leases to core deposits | 80.9681% | 4,633 |
| Total domestic deposits to total assets | 85.5397% | 3,392 |
| Equity capital to assets | 8.7543% | 5,641 |
| Core capital (leverage) ratio | 8.5236% | 5,334 |
| Tier 1 risk-based capital ratio | 14.9379% | 3,136 |
| Total risk-based capital ratio | 15.9478% | 3,227 |
| Memoranda: | ||
| Average total assets | $226,370,500 | 2,913 |
| Average earning assets | $211,895,500 | 2,857 |
| Average equity | $19,747,000 | 3,230 |
| Average total loans | $151,762,000 | 2,861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 4,796 |
| Cost of funding earning assets | 2.0117% | 2,909 |
| Net interest margin | 3.3672% | 5,502 |
| Noninterest income to average assets | 0.5089% | 4,348 |
| Noninterest expense to average assets | 2.9529% | 4,329 |
| Loan and lease loss provision to assets | 0.7953% | 2,745 |
| Net operating income to assets | 0.0784% | 5,270 |
| Return on assets (ROA) | 0.0784% | 5,310 |
| Pretax return on assets | -0.0779% | 5,569 |
| Return on Equity (ROE) | 0.9669% | 5,243 |
| Retained earnings to average equity (ytd only) | 0.1242% | 4,829 |
| Net charge-offs to loans | 1.0430% | 2,325 |
| Credit loss provision to net charge-offs | 115.0095% | 4,749 |
| Earnings coverage of net charge-offs (x) | 1.0374% | 5,073 |
| Efficiency ratio | 80.4558% | 2,814 |
| Assets per employee ($millions) | 4.4141% | 3,080 |
| Cash dividends to net income (ytd only)* | 87.1508% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 6,674 |
| Loan loss allowance to noncurrent loans | 29.7543% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 2.8465% | 2,465 |
| Noncurrent loans to loans | 3.1603% | 2,422 |
| Net loans and leases to total assets | 67.4329% | 3,827 |
| Net loans and leases to deposits | 78.9555% | 4,181 |
| Net loans and leases to core deposits | 106.3694% | 3,295 |
| Total domestic deposits to total assets | 85.4063% | 3,356 |
| Equity capital to assets | 8.6919% | 5,594 |
| Core capital (leverage) ratio | 8.3870% | 5,463 |
| Tier 1 risk-based capital ratio | 14.4005% | 3,262 |
| Total risk-based capital ratio | 15.4859% | 3,309 |
| Memoranda: | ||
| Average total assets | $228,352,000 | 2,841 |
| Average earning assets | $214,391,800 | 2,773 |
| Average equity | $18,512,400 | 3,424 |
| Average total loans | $151,392,000 | 2,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 5,205 |
| Cost of funding earning assets | 2.0367% | 3,180 |
| Net interest margin | 3.3069% | 5,615 |
| Noninterest income to average assets | 0.6441% | 3,389 |
| Noninterest expense to average assets | 2.7398% | 5,149 |
| Loan and lease loss provision to assets | 0.0815% | 6,552 |
| Net operating income to assets | 0.7692% | 2,942 |
| Return on assets (ROA) | 0.7692% | 3,004 |
| Pretax return on assets | 0.9280% | 3,136 |
| Return on Equity (ROE) | 9.6589% | 2,047 |
| Retained earnings to average equity (ytd only) | 8.5191% | 971 |
| Net charge-offs to loans | 0.0601% | 6,101 |
| Credit loss provision to net charge-offs | 205.8824% | 2,156 |
| Earnings coverage of net charge-offs (x) | 25.5160% | 1,051 |
| Efficiency ratio | 73.0757% | 4,041 |
| Assets per employee ($millions) | 4.7787% | 2,429 |
| Cash dividends to net income (ytd only)* | 11.8000% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 7,061 |
| Loan loss allowance to noncurrent loans | 19.0562% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 3.6132% | 1,821 |
| Noncurrent loans to loans | 4.2965% | 1,671 |
| Net loans and leases to total assets | 67.3863% | 4,096 |
| Net loans and leases to deposits | 79.2715% | 4,514 |
| Net loans and leases to core deposits | 106.7863% | 3,611 |
| Total domestic deposits to total assets | 85.0069% | 3,233 |
| Equity capital to assets | 9.0501% | 5,415 |
| Core capital (leverage) ratio | 9.0162% | 4,626 |
| Tier 1 risk-based capital ratio | 15.0949% | 2,998 |
| Total risk-based capital ratio | 16.0454% | 3,080 |
| Memoranda: | ||
| Average total assets | $229,160,750 | 2,852 |
| Average earning assets | $215,181,000 | 2,785 |
| Average equity | $18,248,750 | 3,491 |
| Average total loans | $150,929,000 | 2,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3223% | 5,540 |
| Cost of funding earning assets | 2.0614% | 3,468 |
| Net interest margin | 3.2610% | 5,696 |
| Noninterest income to average assets | 0.6041% | 3,656 |
| Noninterest expense to average assets | 2.7029% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7866% | 2,904 |
| Return on assets (ROA) | 0.7866% | 2,999 |
| Pretax return on assets | 0.9603% | 3,143 |
| Return on Equity (ROE) | 10.3492% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.9938% | 942 |
| Net charge-offs to loans | 0.2358% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,656 |
| Efficiency ratio | 73.7846% | 4,063 |
| Assets per employee ($millions) | 4.2682% | 3,172 |
| Cash dividends to net income (ytd only)* | 13.0966% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 7,467 |
| Loan loss allowance to noncurrent loans | 28.8359% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 2.2797% | 2,855 |
| Noncurrent loans to loans | 2.3530% | 3,077 |
| Net loans and leases to total assets | 66.5205% | 4,455 |
| Net loans and leases to deposits | 78.1694% | 4,844 |
| Net loans and leases to core deposits | 103.2304% | 4,154 |
| Total domestic deposits to total assets | 85.0979% | 3,218 |
| Equity capital to assets | 8.9759% | 5,349 |
| Core capital (leverage) ratio | 8.8368% | 4,887 |
| Tier 1 risk-based capital ratio | 15.0039% | 3,018 |
| Total risk-based capital ratio | 15.7798% | 3,166 |
| Memoranda: | ||
| Average total assets | $229,088,000 | 2,873 |
| Average earning assets | $214,906,670 | 2,812 |
| Average equity | $17,412,000 | 3,637 |
| Average total loans | $149,290,000 | 2,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 6,077 |
| Cost of funding earning assets | 2.1136% | 3,587 |
| Net interest margin | 3.1445% | 6,043 |
| Noninterest income to average assets | 0.6108% | 3,473 |
| Noninterest expense to average assets | 2.6305% | 5,320 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7635% | 3,285 |
| Return on assets (ROA) | 0.7635% | 3,461 |
| Pretax return on assets | 0.9283% | 3,610 |
| Return on Equity (ROE) | 11.0238% | 1,958 |
| Retained earnings to average equity (ytd only) | 9.7711% | 1,262 |
| Net charge-offs to loans | 0.2241% | 3,299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.4458% | 2,499 |
| Efficiency ratio | 73.9152% | 3,839 |
| Assets per employee ($millions) | 4.1784% | 3,296 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 7,336 |
| Loan loss allowance to noncurrent loans | 29.1623% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9270% | 3,013 |
| Noncurrent loans to loans | 2.5420% | 2,593 |
| Net loans and leases to total assets | 66.5213% | 4,459 |
| Net loans and leases to deposits | 76.4509% | 5,159 |
| Net loans and leases to core deposits | 100.6053% | 4,485 |
| Total domestic deposits to total assets | 87.0118% | 2,211 |
| Equity capital to assets | 7.1917% | 7,567 |
| Core capital (leverage) ratio | 7.0956% | 7,564 |
| Tier 1 risk-based capital ratio | 11.8615% | 5,073 |
| Total risk-based capital ratio | 12.7032% | 5,352 |
| Memoranda: | ||
| Average total assets | $230,524,000 | 2,870 |
| Average earning assets | $216,124,500 | 2,808 |
| Average equity | $15,965,500 | 3,947 |
| Average total loans | $148,181,000 | 3,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9429% | 5,837 |
| Cost of funding earning assets | 2.4207% | 4,630 |
| Net interest margin | 3.5223% | 5,221 |
| Noninterest income to average assets | 0.7039% | 3,104 |
| Noninterest expense to average assets | 2.9978% | 4,087 |
| Loan and lease loss provision to assets | 2.1167% | 547 |
| Net operating income to assets | -0.7379% | 7,091 |
| Return on assets (ROA) | -0.7379% | 6,995 |
| Pretax return on assets | -1.1208% | 7,070 |
| Return on Equity (ROE) | -9.6762% | 7,257 |
| Retained earnings to average equity (ytd only) | -13.3293% | 7,358 |
| Net charge-offs to loans | 3.1184% | 279 |
| Credit loss provision to net charge-offs | 103.3138% | 5,172 |
| Earnings coverage of net charge-offs (x) | 0.4861% | 5,945 |
| Efficiency ratio | 75.0625% | 3,391 |
| Assets per employee ($millions) | 4.6159% | 2,458 |
| Cash dividends to net income (ytd only)* | -37.7537% | 8,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 6,979 |
| Loan loss allowance to noncurrent loans | 35.5792% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 2,994 |
| Noncurrent loans to loans | 2.3315% | 2,369 |
| Net loans and leases to total assets | 61.1443% | 5,747 |
| Net loans and leases to deposits | 69.6660% | 6,307 |
| Net loans and leases to core deposits | 89.8144% | 5,816 |
| Total domestic deposits to total assets | 87.7678% | 1,569 |
| Equity capital to assets | 6.6709% | 7,884 |
| Core capital (leverage) ratio | 7.4226% | 7,291 |
| Tier 1 risk-based capital ratio | 11.7839% | 4,994 |
| Total risk-based capital ratio | 12.7048% | 5,180 |
| Memoranda: | ||
| Average total assets | $200,310,600 | 3,137 |
| Average earning assets | $187,095,800 | 3,082 |
| Average equity | $15,274,600 | 4,083 |
| Average total loans | $131,607,800 | 3,242 |