Home > Smackover State Bank > Performance and Condition Ratios
Smackover 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 | 3.8155% | 4,162 |
| Cost of funding earning assets | 1.6833% | 1,485 |
| Net interest margin | 2.1322% | 4,356 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.8205% | 3,970 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4560% | 3,756 |
| Return on assets (ROA) | 0.4560% | 3,755 |
| Pretax return on assets | 0.4988% | 3,812 |
| Return on Equity (ROE) | 4.6700% | 3,778 |
| Retained earnings to average equity (ytd only) | 1.1670% | 3,797 |
| Net charge-offs to loans | 0.0024% | 2,716 |
| Credit loss provision to net charge-offs | 4,333.3333% | 124 |
| Earnings coverage of net charge-offs (x) | 416.6667% | 340 |
| Efficiency ratio | 76.5830% | 1,200 |
| Assets per employee ($millions) | 7.2075% | 1,931 |
| Cash dividends to net income (ytd only)* | 75.0000% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,579 |
| Loan loss allowance to noncurrent loans | 472.6563% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 2,767 |
| Noncurrent loans to loans | 0.1982% | 2,521 |
| Net loans and leases to total assets | 57.2700% | 3,102 |
| Net loans and leases to deposits | 67.4617% | 3,071 |
| Net loans and leases to core deposits | 83.7798% | 2,468 |
| Total domestic deposits to total assets | 84.8900% | 2,342 |
| Equity capital to assets | 9.9117% | 2,058 |
| Core capital (leverage) ratio | 11.5223% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $224,556,800 | 2,818 |
| Average earning assets | $215,881,200 | 2,764 |
| Average equity | $21,936,800 | 2,702 |
| Average total loans | $125,211,800 | 2,900 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 4,150 |
| Cost of funding earning assets | 1.4524% | 1,730 |
| Net interest margin | 2.3063% | 4,303 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.7505% | 4,053 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6084% | 3,525 |
| Return on assets (ROA) | 0.6084% | 3,516 |
| Pretax return on assets | 0.7015% | 3,550 |
| Return on Equity (ROE) | 6.2500% | 3,597 |
| Retained earnings to average equity (ytd only) | 3.5092% | 3,381 |
| Net charge-offs to loans | 0.0032% | 2,398 |
| Credit loss provision to net charge-offs | 4,333.3333% | 122 |
| Earnings coverage of net charge-offs (x) | 437.6667% | 340 |
| Efficiency ratio | 69.2145% | 1,877 |
| Assets per employee ($millions) | 6.5770% | 2,270 |
| Cash dividends to net income (ytd only)* | 43.8596% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 3,755 |
| Loan loss allowance to noncurrent loans | 419.0299% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 2,766 |
| Noncurrent loans to loans | 0.2130% | 2,497 |
| Net loans and leases to total assets | 55.7600% | 3,224 |
| Net loans and leases to deposits | 65.1728% | 3,193 |
| Net loans and leases to core deposits | 81.6326% | 2,494 |
| Total domestic deposits to total assets | 85.5500% | 2,334 |
| Equity capital to assets | 9.6593% | 2,010 |
| Core capital (leverage) ratio | 11.6252% | 1,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $224,838,000 | 2,831 |
| Average earning assets | $216,102,750 | 2,778 |
| Average equity | $21,884,500 | 2,689 |
| Average total loans | $124,223,250 | 2,911 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,147 |
| Cost of funding earning assets | 1.3724% | 1,525 |
| Net interest margin | 2.3174% | 4,352 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.7439% | 4,091 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.5736% | 3,645 |
| Return on assets (ROA) | 0.5736% | 3,651 |
| Pretax return on assets | 0.6624% | 3,682 |
| Return on Equity (ROE) | 5.8800% | 3,719 |
| Retained earnings to average equity (ytd only) | 3.1484% | 3,435 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.1549% | 1,847 |
| Assets per employee ($millions) | 6.6000% | 2,214 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 3,816 |
| Loan loss allowance to noncurrent loans | 536.1905% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 2,882 |
| Noncurrent loans to loans | 0.1660% | 2,650 |
| Net loans and leases to total assets | 55.8700% | 3,131 |
| Net loans and leases to deposits | 67.3950% | 2,958 |
| Net loans and leases to core deposits | 84.4202% | 2,189 |
| Total domestic deposits to total assets | 82.9000% | 3,068 |
| Equity capital to assets | 9.7229% | 2,018 |
| Core capital (leverage) ratio | 11.4307% | 1,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $225,244,333 | 2,834 |
| Average earning assets | $216,707,333 | 2,783 |
| Average equity | $21,979,333 | 2,697 |
| Average total loans | $123,695,333 | 2,910 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5602% | 4,206 |
| Cost of funding earning assets | 1.1548% | 1,576 |
| Net interest margin | 2.4054% | 4,380 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8647% | 3,925 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.6434% | 3,598 |
| Return on assets (ROA) | 0.6434% | 3,562 |
| Pretax return on assets | 0.6434% | 3,771 |
| Return on Equity (ROE) | 6.5800% | 3,620 |
| Retained earnings to average equity (ytd only) | 3.8622% | 3,306 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3220% | 1,599 |
| Assets per employee ($millions) | 6.7353% | 2,161 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 4,000 |
| Loan loss allowance to noncurrent loans | 356.7568% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 2,611 |
| Noncurrent loans to loans | 0.2365% | 2,317 |
| Net loans and leases to total assets | 54.1900% | 3,188 |
| Net loans and leases to deposits | 60.2988% | 3,314 |
| Net loans and leases to core deposits | 81.4758% | 2,149 |
| Total domestic deposits to total assets | 89.8700% | 1,205 |
| Equity capital to assets | 9.7769% | 1,947 |
| Core capital (leverage) ratio | 11.5460% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $225,667,000 | 2,870 |
| Average earning assets | $217,176,500 | 2,816 |
| Average equity | $22,060,000 | 2,714 |
| Average total loans | $122,292,500 | 2,950 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 3,443 |
| Cost of funding earning assets | 0.4404% | 1,785 |
| Net interest margin | 2.9214% | 3,630 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.8245% | 3,982 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.0415% | 2,412 |
| Return on assets (ROA) | 1.0415% | 2,354 |
| Pretax return on assets | 1.2664% | 2,216 |
| Return on Equity (ROE) | 9.7600% | 2,882 |
| Retained earnings to average equity (ytd only) | 3.9192% | 3,423 |
| Net charge-offs to loans | 0.0019% | 2,474 |
| Credit loss provision to net charge-offs | 6,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,431.5000% | 125 |
| Efficiency ratio | 57.9897% | 3,342 |
| Assets per employee ($millions) | 6.7374% | 2,163 |
| Cash dividends to net income (ytd only)* | 59.8404% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 3,953 |
| Loan loss allowance to noncurrent loans | 668.4564% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,131 |
| Noncurrent loans to loans | 0.1248% | 2,889 |
| Net loans and leases to total assets | 53.2700% | 3,259 |
| Net loans and leases to deposits | 59.1906% | 3,382 |
| Net loans and leases to core deposits | 72.8773% | 2,655 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 9.7740% | 1,844 |
| Core capital (leverage) ratio | 11.4428% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $216,604,200 | 2,931 |
| Average earning assets | $209,146,400 | 2,869 |
| Average equity | $23,117,200 | 2,692 |
| Average total loans | $107,621,400 | 3,049 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2808% | 3,234 |
| Cost of funding earning assets | 0.3549% | 1,663 |
| Net interest margin | 2.9259% | 3,420 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.8038% | 3,980 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0305% | 2,360 |
| Return on assets (ROA) | 1.0305% | 2,329 |
| Pretax return on assets | 1.3223% | 1,972 |
| Return on Equity (ROE) | 9.4500% | 2,889 |
| Retained earnings to average equity (ytd only) | 6.8927% | 2,406 |
| Net charge-offs to loans | -0.0064% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0225% | 3,514 |
| Assets per employee ($millions) | 6.2643% | 2,524 |
| Cash dividends to net income (ytd only)* | 27.0595% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 4,067 |
| Loan loss allowance to noncurrent loans | 1,059.5506% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 3,515 |
| Noncurrent loans to loans | 0.0766% | 3,325 |
| Net loans and leases to total assets | 51.1200% | 3,376 |
| Net loans and leases to deposits | 56.8138% | 3,414 |
| Net loans and leases to core deposits | 72.0695% | 2,478 |
| Total domestic deposits to total assets | 89.9800% | 1,673 |
| Equity capital to assets | 9.7790% | 1,738 |
| Core capital (leverage) ratio | 11.6878% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $215,171,500 | 2,964 |
| Average earning assets | $207,751,750 | 2,898 |
| Average equity | $23,463,750 | 2,709 |
| Average total loans | $104,668,250 | 3,101 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2141% | 3,000 |
| Cost of funding earning assets | 0.3213% | 1,514 |
| Net interest margin | 2.8928% | 3,193 |
| Noninterest income to average assets | 0.3221% | 3,246 |
| Noninterest expense to average assets | 1.8080% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9928% | 2,188 |
| Return on assets (ROA) | 0.9928% | 2,157 |
| Pretax return on assets | 1.3121% | 1,701 |
| Return on Equity (ROE) | 8.7825% | 2,762 |
| Retained earnings to average equity (ytd only) | 6.2756% | 2,248 |
| Net charge-offs to loans | -0.0198% | 3,872 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9473% | 3,569 |
| Assets per employee ($millions) | 6.1034% | 2,651 |
| Cash dividends to net income (ytd only)* | 28.5442% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8108% | 4,157 |
| Loan loss allowance to noncurrent loans | 667.6692% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,375 |
| Noncurrent loans to loans | 0.1214% | 3,122 |
| Net loans and leases to total assets | 49.4384% | 3,428 |
| Net loans and leases to deposits | 55.2944% | 3,437 |
| Net loans and leases to core deposits | 69.5754% | 2,517 |
| Total domestic deposits to total assets | 89.4094% | 1,997 |
| Equity capital to assets | 10.4158% | 1,474 |
| Core capital (leverage) ratio | 11.7744% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,724,333 | 3,019 |
| Average earning assets | $204,785,000 | 2,959 |
| Average equity | $23,934,000 | 2,751 |
| Average total loans | $100,814,667 | 3,176 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 2,884 |
| Cost of funding earning assets | 0.3343% | 1,327 |
| Net interest margin | 2.7935% | 3,162 |
| Noninterest income to average assets | 0.3139% | 3,217 |
| Noninterest expense to average assets | 1.7619% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8916% | 2,305 |
| Return on assets (ROA) | 0.8916% | 2,308 |
| Pretax return on assets | 1.2555% | 1,639 |
| Return on Equity (ROE) | 7.5722% | 2,847 |
| Retained earnings to average equity (ytd only) | 2.6658% | 3,371 |
| Net charge-offs to loans | -0.0373% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3918% | 3,640 |
| Assets per employee ($millions) | 6.1163% | 2,691 |
| Cash dividends to net income (ytd only)* | 64.7948% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 4,084 |
| Loan loss allowance to noncurrent loans | 813.7615% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,532 |
| Noncurrent loans to loans | 0.1087% | 3,293 |
| Net loans and leases to total assets | 46.4351% | 3,541 |
| Net loans and leases to deposits | 52.3485% | 3,545 |
| Net loans and leases to core deposits | 64.0370% | 2,791 |
| Total domestic deposits to total assets | 88.7037% | 2,208 |
| Equity capital to assets | 11.1080% | 1,285 |
| Core capital (leverage) ratio | 11.9452% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,724,500 | 3,057 |
| Average earning assets | $201,036,500 | 3,003 |
| Average equity | $24,458,000 | 2,808 |
| Average total loans | $96,464,000 | 3,239 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1247% | 3,637 |
| Cost of funding earning assets | 0.4774% | 1,022 |
| Net interest margin | 2.6474% | 3,968 |
| Noninterest income to average assets | 0.3187% | 3,501 |
| Noninterest expense to average assets | 1.9234% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8711% | 3,136 |
| Return on assets (ROA) | 0.8711% | 3,196 |
| Pretax return on assets | 0.9571% | 3,367 |
| Return on Equity (ROE) | 6.6894% | 3,602 |
| Retained earnings to average equity (ytd only) | 1.9287% | 3,995 |
| Net charge-offs to loans | 0.0819% | 984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 26.3521% | 1,698 |
| Efficiency ratio | 66.7732% | 2,154 |
| Assets per employee ($millions) | 6.2931% | 2,497 |
| Cash dividends to net income (ytd only)* | 71.1685% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,944 |
| Loan loss allowance to noncurrent loans | 4,621.0526% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 4,058 |
| Noncurrent loans to loans | 0.0205% | 3,922 |
| Net loans and leases to total assets | 45.5656% | 3,722 |
| Net loans and leases to deposits | 52.1479% | 3,726 |
| Net loans and leases to core deposits | 62.1741% | 3,146 |
| Total domestic deposits to total assets | 87.3775% | 2,350 |
| Equity capital to assets | 12.4825% | 1,068 |
| Core capital (leverage) ratio | 12.2856% | 992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,490,400 | 3,094 |
| Average earning assets | $189,167,600 | 3,037 |
| Average equity | $25,458,000 | 2,816 |
| Average total loans | $86,646,400 | 3,383 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1004% | 3,808 |
| Cost of funding earning assets | 0.5075% | 1,013 |
| Net interest margin | 2.5929% | 4,140 |
| Noninterest income to average assets | 0.3189% | 3,520 |
| Noninterest expense to average assets | 1.9008% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7917% | 3,546 |
| Return on assets (ROA) | 0.7917% | 3,612 |
| Pretax return on assets | 0.9250% | 3,642 |
| Return on Equity (ROE) | 6.0144% | 3,912 |
| Retained earnings to average equity (ytd only) | 3.6650% | 3,694 |
| Net charge-offs to loans | 0.1112% | 688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 18.9577% | 1,772 |
| Efficiency ratio | 67.2665% | 1,931 |
| Assets per employee ($millions) | 5.4909% | 3,211 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,871 |
| Loan loss allowance to noncurrent loans | 1,057.8313% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,876 |
| Noncurrent loans to loans | 0.0940% | 3,607 |
| Net loans and leases to total assets | 44.2476% | 3,934 |
| Net loans and leases to deposits | 51.0500% | 3,950 |
| Net loans and leases to core deposits | 61.1052% | 3,393 |
| Total domestic deposits to total assets | 86.6750% | 2,474 |
| Equity capital to assets | 13.0007% | 979 |
| Core capital (leverage) ratio | 12.5641% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,018,500 | 3,144 |
| Average earning assets | $187,581,250 | 3,086 |
| Average equity | $25,538,250 | 2,844 |
| Average total loans | $85,148,750 | 3,448 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1000% | 3,865 |
| Cost of funding earning assets | 0.5374% | 1,003 |
| Net interest margin | 2.5626% | 4,229 |
| Noninterest income to average assets | 0.3154% | 3,538 |
| Noninterest expense to average assets | 1.8454% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8029% | 3,504 |
| Return on assets (ROA) | 0.8029% | 3,578 |
| Pretax return on assets | 0.9481% | 3,549 |
| Return on Equity (ROE) | 6.0742% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.7199% | 3,613 |
| Net charge-offs to loans | 0.1641% | 510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 13.2464% | 1,700 |
| Efficiency ratio | 66.0602% | 2,142 |
| Assets per employee ($millions) | 5.6291% | 2,982 |
| Cash dividends to net income (ytd only)* | 38.7597% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,757 |
| Loan loss allowance to noncurrent loans | 539.8773% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,657 |
| Noncurrent loans to loans | 0.1892% | 3,286 |
| Net loans and leases to total assets | 43.2783% | 4,091 |
| Net loans and leases to deposits | 49.9148% | 4,118 |
| Net loans and leases to core deposits | 59.1316% | 3,678 |
| Total domestic deposits to total assets | 86.7043% | 2,472 |
| Equity capital to assets | 12.9876% | 949 |
| Core capital (leverage) ratio | 12.5680% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,800,000 | 3,152 |
| Average earning assets | $186,451,667 | 3,096 |
| Average equity | $25,484,667 | 2,843 |
| Average total loans | $84,083,667 | 3,477 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0797% | 3,932 |
| Cost of funding earning assets | 0.5657% | 1,023 |
| Net interest margin | 2.5140% | 4,278 |
| Noninterest income to average assets | 0.3063% | 3,579 |
| Noninterest expense to average assets | 1.8480% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7593% | 3,548 |
| Return on assets (ROA) | 0.7593% | 3,620 |
| Pretax return on assets | 0.8726% | 3,662 |
| Return on Equity (ROE) | 5.6934% | 3,950 |
| Retained earnings to average equity (ytd only) | 3.3343% | 3,679 |
| Net charge-offs to loans | 0.2312% | 367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 1,566 |
| Efficiency ratio | 67.9260% | 1,942 |
| Assets per employee ($millions) | 5.7063% | 2,906 |
| Cash dividends to net income (ytd only)* | 41.4365% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,420 |
| Loan loss allowance to noncurrent loans | 452.7638% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 3,670 |
| Noncurrent loans to loans | 0.2435% | 3,228 |
| Net loans and leases to total assets | 41.6612% | 4,251 |
| Net loans and leases to deposits | 48.0873% | 4,260 |
| Net loans and leases to core deposits | 56.0977% | 3,966 |
| Total domestic deposits to total assets | 86.6366% | 2,470 |
| Equity capital to assets | 13.0846% | 888 |
| Core capital (leverage) ratio | 12.7692% | 900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,691,000 | 3,158 |
| Average earning assets | $183,135,500 | 3,112 |
| Average equity | $25,433,000 | 2,845 |
| Average total loans | $83,052,500 | 3,509 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 4,212 |
| Cost of funding earning assets | 0.8158% | 1,144 |
| Net interest margin | 2.5723% | 4,528 |
| Noninterest income to average assets | 0.3069% | 3,643 |
| Noninterest expense to average assets | 1.7774% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8675% | 2,836 |
| Return on assets (ROA) | 0.8675% | 2,969 |
| Pretax return on assets | 1.0027% | 3,040 |
| Return on Equity (ROE) | 6.4200% | 3,441 |
| Retained earnings to average equity (ytd only) | 1.6239% | 3,986 |
| Net charge-offs to loans | 0.0319% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 71.8846% | 958 |
| Efficiency ratio | 63.9328% | 2,835 |
| Assets per employee ($millions) | 5.5108% | 2,835 |
| Cash dividends to net income (ytd only)* | 74.7062% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,335 |
| Loan loss allowance to noncurrent loans | 395.4167% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 3,645 |
| Noncurrent loans to loans | 0.2844% | 3,182 |
| Net loans and leases to total assets | 44.5255% | 4,223 |
| Net loans and leases to deposits | 51.7245% | 4,229 |
| Net loans and leases to core deposits | 60.5273% | 3,913 |
| Total domestic deposits to total assets | 86.0819% | 2,330 |
| Equity capital to assets | 13.5990% | 898 |
| Core capital (leverage) ratio | 12.7725% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,394,400 | 3,048 |
| Average earning assets | $179,217,600 | 3,006 |
| Average equity | $25,186,800 | 2,787 |
| Average total loans | $81,501,200 | 3,528 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 4,314 |
| Cost of funding earning assets | 0.8580% | 1,219 |
| Net interest margin | 2.5702% | 4,599 |
| Noninterest income to average assets | 0.4297% | 2,939 |
| Noninterest expense to average assets | 1.8064% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9261% | 2,608 |
| Return on assets (ROA) | 0.9261% | 2,740 |
| Pretax return on assets | 1.0973% | 2,756 |
| Return on Equity (ROE) | 6.8647% | 3,249 |
| Retained earnings to average equity (ytd only) | 4.4756% | 2,813 |
| Net charge-offs to loans | 0.0380% | 2,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 66.6087% | 1,030 |
| Efficiency ratio | 62.2102% | 3,036 |
| Assets per employee ($millions) | 5.6740% | 2,560 |
| Cash dividends to net income (ytd only)* | 34.8028% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,963 |
| Loan loss allowance to noncurrent loans | 5,010.5263% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,455 |
| Noncurrent loans to loans | 0.0228% | 4,318 |
| Net loans and leases to total assets | 43.9677% | 4,417 |
| Net loans and leases to deposits | 51.3123% | 4,437 |
| Net loans and leases to core deposits | 59.9371% | 4,206 |
| Total domestic deposits to total assets | 85.6864% | 2,184 |
| Equity capital to assets | 13.8681% | 894 |
| Core capital (leverage) ratio | 13.7740% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,151,250 | 3,046 |
| Average earning assets | $179,176,000 | 2,989 |
| Average equity | $25,113,500 | 2,782 |
| Average total loans | $80,782,750 | 3,559 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 4,453 |
| Cost of funding earning assets | 0.9206% | 1,276 |
| Net interest margin | 2.5482% | 4,700 |
| Noninterest income to average assets | 0.2928% | 3,717 |
| Noninterest expense to average assets | 1.7159% | 4,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8752% | 2,792 |
| Return on assets (ROA) | 0.8752% | 2,906 |
| Pretax return on assets | 1.0291% | 2,935 |
| Return on Equity (ROE) | 6.5488% | 3,309 |
| Retained earnings to average equity (ytd only) | 4.1323% | 2,849 |
| Net charge-offs to loans | 0.0675% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 35.4074% | 1,325 |
| Efficiency ratio | 62.5098% | 3,047 |
| Assets per employee ($millions) | 5.6015% | 2,542 |
| Cash dividends to net income (ytd only)* | 36.9004% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 2,762 |
| Loan loss allowance to noncurrent loans | 554.3860% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 4,077 |
| Noncurrent loans to loans | 0.2080% | 3,636 |
| Net loans and leases to total assets | 42.6590% | 4,510 |
| Net loans and leases to deposits | 49.5417% | 4,547 |
| Net loans and leases to core deposits | 58.5534% | 4,325 |
| Total domestic deposits to total assets | 86.1071% | 1,962 |
| Equity capital to assets | 13.4439% | 997 |
| Core capital (leverage) ratio | 12.9166% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,787,667 | 3,029 |
| Average earning assets | $178,796,000 | 2,970 |
| Average equity | $24,829,000 | 2,790 |
| Average total loans | $79,951,000 | 3,573 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 4,626 |
| Cost of funding earning assets | 0.9885% | 1,469 |
| Net interest margin | 2.5144% | 4,817 |
| Noninterest income to average assets | 0.2878% | 3,800 |
| Noninterest expense to average assets | 1.9536% | 4,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6476% | 3,453 |
| Return on assets (ROA) | 0.6476% | 3,515 |
| Pretax return on assets | 0.7522% | 3,542 |
| Return on Equity (ROE) | 4.8606% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.4057% | 3,304 |
| Net charge-offs to loans | 0.0152% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 522 |
| Efficiency ratio | 72.1998% | 2,051 |
| Assets per employee ($millions) | 5.4054% | 2,226 |
| Cash dividends to net income (ytd only)* | 50.5051% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,539 |
| Loan loss allowance to noncurrent loans | 443.8356% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,031 |
| Noncurrent loans to loans | 0.2756% | 3,504 |
| Net loans and leases to total assets | 42.7060% | 4,564 |
| Net loans and leases to deposits | 49.4584% | 4,612 |
| Net loans and leases to core deposits | 58.2322% | 4,427 |
| Total domestic deposits to total assets | 86.3474% | 1,852 |
| Equity capital to assets | 13.3794% | 1,268 |
| Core capital (leverage) ratio | 13.0021% | 1,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,456,500 | 3,016 |
| Average earning assets | $176,424,000 | 2,955 |
| Average equity | $24,441,500 | 2,813 |
| Average total loans | $78,830,500 | 3,601 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 4,731 |
| Cost of funding earning assets | 1.0282% | 1,605 |
| Net interest margin | 2.6158% | 4,896 |
| Noninterest income to average assets | 0.2960% | 3,912 |
| Noninterest expense to average assets | 1.8023% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9023% | 3,202 |
| Return on assets (ROA) | 0.9023% | 3,290 |
| Pretax return on assets | 0.9900% | 3,481 |
| Return on Equity (ROE) | 6.9160% | 3,578 |
| Retained earnings to average equity (ytd only) | 1.7311% | 4,111 |
| Net charge-offs to loans | 0.0311% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 78.5217% | 802 |
| Efficiency ratio | 64.5465% | 2,995 |
| Assets per employee ($millions) | 5.2323% | 2,313 |
| Cash dividends to net income (ytd only)* | 74.9696% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,189 |
| Loan loss allowance to noncurrent loans | 485.0746% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,063 |
| Noncurrent loans to loans | 0.2570% | 3,529 |
| Net loans and leases to total assets | 42.1709% | 4,671 |
| Net loans and leases to deposits | 48.7363% | 4,722 |
| Net loans and leases to core deposits | 57.3687% | 4,543 |
| Total domestic deposits to total assets | 86.5288% | 1,833 |
| Equity capital to assets | 13.2659% | 1,384 |
| Core capital (leverage) ratio | 12.8911% | 1,290 |
| Tier 1 risk-based capital ratio | 27.9067% | 565 |
| Total risk-based capital ratio | 29.0503% | 562 |
| Memoranda: | ||
| Average total assets | $182,430,400 | 2,990 |
| Average earning assets | $174,096,400 | 2,940 |
| Average equity | $23,799,800 | 2,814 |
| Average total loans | $73,857,400 | 3,706 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 4,846 |
| Cost of funding earning assets | 1.0203% | 1,678 |
| Net interest margin | 2.6214% | 4,989 |
| Noninterest income to average assets | 0.2955% | 3,970 |
| Noninterest expense to average assets | 1.8047% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8559% | 3,500 |
| Return on assets (ROA) | 0.8559% | 3,577 |
| Pretax return on assets | 0.9869% | 3,630 |
| Return on Equity (ROE) | 6.5887% | 3,847 |
| Retained earnings to average equity (ytd only) | 4.0546% | 3,368 |
| Net charge-offs to loans | 0.0403% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 61.3236% | 1,039 |
| Efficiency ratio | 64.6488% | 2,918 |
| Assets per employee ($millions) | 4.9249% | 2,638 |
| Cash dividends to net income (ytd only)* | 38.4619% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,301 |
| Loan loss allowance to noncurrent loans | 1,049.4624% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,412 |
| Noncurrent loans to loans | 0.1179% | 4,126 |
| Net loans and leases to total assets | 42.7388% | 4,730 |
| Net loans and leases to deposits | 49.6510% | 4,783 |
| Net loans and leases to core deposits | 58.9580% | 4,566 |
| Total domestic deposits to total assets | 86.0786% | 1,961 |
| Equity capital to assets | 13.5477% | 1,338 |
| Core capital (leverage) ratio | 13.3439% | 1,196 |
| Tier 1 risk-based capital ratio | 28.6125% | 532 |
| Total risk-based capital ratio | 29.7712% | 532 |
| Memoranda: | ||
| Average total assets | $182,255,250 | 3,019 |
| Average earning assets | $173,541,000 | 2,976 |
| Average equity | $23,676,250 | 2,834 |
| Average total loans | $72,771,000 | 3,765 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,924 |
| Cost of funding earning assets | 0.9965% | 1,708 |
| Net interest margin | 2.6145% | 5,064 |
| Noninterest income to average assets | 0.2787% | 4,067 |
| Noninterest expense to average assets | 1.8863% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7858% | 3,705 |
| Return on assets (ROA) | 0.8811% | 3,419 |
| Pretax return on assets | 1.0194% | 3,475 |
| Return on Equity (ROE) | 6.8811% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.3103% | 3,100 |
| Net charge-offs to loans | 0.0057% | 2,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 186 |
| Efficiency ratio | 67.4912% | 2,614 |
| Assets per employee ($millions) | 4.8099% | 2,729 |
| Cash dividends to net income (ytd only)* | 37.3599% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 1,621 |
| Loan loss allowance to noncurrent loans | 1,844.4444% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,546 |
| Noncurrent loans to loans | 0.0758% | 4,336 |
| Net loans and leases to total assets | 39.4736% | 4,859 |
| Net loans and leases to deposits | 45.8312% | 4,912 |
| Net loans and leases to core deposits | 53.2596% | 4,797 |
| Total domestic deposits to total assets | 86.1283% | 1,966 |
| Equity capital to assets | 13.6121% | 1,275 |
| Core capital (leverage) ratio | 13.1763% | 1,226 |
| Tier 1 risk-based capital ratio | 29.8195% | 486 |
| Total risk-based capital ratio | 31.0630% | 481 |
| Memoranda: | ||
| Average total assets | $182,266,000 | 3,027 |
| Average earning assets | $175,408,000 | 2,969 |
| Average equity | $23,339,330 | 2,851 |
| Average total loans | $70,742,670 | 3,825 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 4,988 |
| Cost of funding earning assets | 0.9498% | 1,795 |
| Net interest margin | 2.6153% | 5,128 |
| Noninterest income to average assets | 0.2906% | 3,934 |
| Noninterest expense to average assets | 1.9152% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7917% | 3,653 |
| Return on assets (ROA) | 0.7917% | 3,700 |
| Pretax return on assets | 0.8958% | 3,780 |
| Return on Equity (ROE) | 6.3765% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.7560% | 3,421 |
| Net charge-offs to loans | 0.0057% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 413.0000% | 187 |
| Efficiency ratio | 68.1327% | 2,623 |
| Assets per employee ($millions) | 5.0702% | 2,437 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 1,739 |
| Loan loss allowance to noncurrent loans | 1,718.9655% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,574 |
| Noncurrent loans to loans | 0.0805% | 4,402 |
| Net loans and leases to total assets | 38.9195% | 4,921 |
| Net loans and leases to deposits | 44.7397% | 4,968 |
| Net loans and leases to core deposits | 53.3494% | 4,807 |
| Total domestic deposits to total assets | 86.9910% | 1,819 |
| Equity capital to assets | 12.8161% | 1,557 |
| Core capital (leverage) ratio | 12.9087% | 1,317 |
| Tier 1 risk-based capital ratio | 29.3580% | 498 |
| Total risk-based capital ratio | 30.5985% | 490 |
| Memoranda: | ||
| Average total assets | $184,415,500 | 3,041 |
| Average earning assets | $177,723,500 | 2,974 |
| Average equity | $22,896,500 | 2,891 |
| Average total loans | $70,491,000 | 3,856 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 4,854 |
| Cost of funding earning assets | 0.7370% | 1,863 |
| Net interest margin | 2.8181% | 5,007 |
| Noninterest income to average assets | 0.2874% | 4,181 |
| Noninterest expense to average assets | 1.9339% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8966% | 3,448 |
| Return on assets (ROA) | 0.8966% | 3,440 |
| Pretax return on assets | 1.0542% | 3,430 |
| Return on Equity (ROE) | 7.3099% | 3,726 |
| Retained earnings to average equity (ytd only) | 1.8275% | 4,416 |
| Net charge-offs to loans | 0.0031% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 966.5000% | 111 |
| Efficiency ratio | 64.7198% | 3,080 |
| Assets per employee ($millions) | 5.3229% | 2,129 |
| Cash dividends to net income (ytd only)* | 75.0000% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,459 |
| Loan loss allowance to noncurrent loans | 1,663.3333% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1031% | 4,312 |
| Noncurrent loans to loans | 0.0870% | 4,358 |
| Net loans and leases to total assets | 36.4718% | 5,058 |
| Net loans and leases to deposits | 41.5442% | 5,091 |
| Net loans and leases to core deposits | 50.3222% | 4,934 |
| Total domestic deposits to total assets | 87.7903% | 1,396 |
| Equity capital to assets | 12.0234% | 1,878 |
| Core capital (leverage) ratio | 12.7737% | 1,328 |
| Tier 1 risk-based capital ratio | 29.3027% | 501 |
| Total risk-based capital ratio | 30.5522% | 488 |
| Memoranda: | ||
| Average total assets | $183,361,000 | 3,022 |
| Average earning assets | $175,718,800 | 2,971 |
| Average equity | $22,490,200 | 2,863 |
| Average total loans | $65,296,400 | 3,978 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 4,856 |
| Cost of funding earning assets | 0.6900% | 1,904 |
| Net interest margin | 2.8760% | 5,007 |
| Noninterest income to average assets | 0.2840% | 4,255 |
| Noninterest expense to average assets | 1.9354% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9542% | 3,289 |
| Return on assets (ROA) | 0.9542% | 3,304 |
| Pretax return on assets | 1.1024% | 3,391 |
| Return on Equity (ROE) | 7.7406% | 3,646 |
| Retained earnings to average equity (ytd only) | 5.0755% | 3,193 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7106% | 3,235 |
| Assets per employee ($millions) | 4.9448% | 2,542 |
| Cash dividends to net income (ytd only)* | 34.4303% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 1,261 |
| Loan loss allowance to noncurrent loans | 473.9336% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,972 |
| Noncurrent loans to loans | 0.3223% | 3,516 |
| Net loans and leases to total assets | 35.2327% | 5,165 |
| Net loans and leases to deposits | 40.2494% | 5,198 |
| Net loans and leases to core deposits | 48.7337% | 5,051 |
| Total domestic deposits to total assets | 87.5359% | 1,468 |
| Equity capital to assets | 12.2924% | 1,704 |
| Core capital (leverage) ratio | 13.3422% | 1,160 |
| Tier 1 risk-based capital ratio | 30.9441% | 435 |
| Total risk-based capital ratio | 32.1946% | 432 |
| Memoranda: | ||
| Average total assets | $182,625,500 | 3,052 |
| Average earning assets | $174,867,250 | 2,999 |
| Average equity | $22,512,750 | 2,874 |
| Average total loans | $64,384,000 | 4,036 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 4,881 |
| Cost of funding earning assets | 0.6377% | 2,000 |
| Net interest margin | 2.8901% | 5,024 |
| Noninterest income to average assets | 0.2674% | 4,399 |
| Noninterest expense to average assets | 1.9056% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9731% | 3,132 |
| Return on assets (ROA) | 0.9731% | 3,134 |
| Pretax return on assets | 1.1331% | 3,184 |
| Return on Equity (ROE) | 7.8862% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.5541% | 2,281 |
| Net charge-offs to loans | 0.0031% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1,034.0000% | 76 |
| Efficiency ratio | 62.7119% | 3,535 |
| Assets per employee ($millions) | 4.9232% | 2,521 |
| Cash dividends to net income (ytd only)* | 16.8919% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,220 |
| Loan loss allowance to noncurrent loans | 314.1509% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 3,961 |
| Noncurrent loans to loans | 0.4954% | 2,947 |
| Net loans and leases to total assets | 34.6904% | 5,219 |
| Net loans and leases to deposits | 39.6413% | 5,254 |
| Net loans and leases to core deposits | 48.5353% | 5,077 |
| Total domestic deposits to total assets | 87.5108% | 1,640 |
| Equity capital to assets | 12.3388% | 1,641 |
| Core capital (leverage) ratio | 12.8995% | 1,271 |
| Tier 1 risk-based capital ratio | 31.1382% | 439 |
| Total risk-based capital ratio | 32.3887% | 434 |
| Memoranda: | ||
| Average total assets | $182,514,670 | 3,070 |
| Average earning assets | $175,008,670 | 3,012 |
| Average equity | $22,520,330 | 2,882 |
| Average total loans | $64,025,000 | 4,067 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 4,885 |
| Cost of funding earning assets | 0.6074% | 2,010 |
| Net interest margin | 2.8889% | 5,049 |
| Noninterest income to average assets | 0.2890% | 4,237 |
| Noninterest expense to average assets | 1.8873% | 5,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0072% | 2,829 |
| Return on assets (ROA) | 1.0072% | 2,848 |
| Pretax return on assets | 1.1823% | 2,831 |
| Return on Equity (ROE) | 8.1624% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.5007% | 2,951 |
| Net charge-offs to loans | -0.0188% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4836% | 3,877 |
| Assets per employee ($millions) | 5.2288% | 2,223 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,246 |
| Loan loss allowance to noncurrent loans | 326.7101% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 4,059 |
| Noncurrent loans to loans | 0.4785% | 3,081 |
| Net loans and leases to total assets | 34.5112% | 5,257 |
| Net loans and leases to deposits | 39.3937% | 5,278 |
| Net loans and leases to core deposits | 47.6902% | 5,111 |
| Total domestic deposits to total assets | 87.6059% | 1,846 |
| Equity capital to assets | 12.2416% | 1,642 |
| Core capital (leverage) ratio | 12.7093% | 1,290 |
| Tier 1 risk-based capital ratio | 28.1066% | 553 |
| Total risk-based capital ratio | 29.3176% | 551 |
| Memoranda: | ||
| Average total assets | $182,693,500 | 3,103 |
| Average earning assets | $175,844,500 | 3,034 |
| Average equity | $22,542,500 | 2,907 |
| Average total loans | $63,942,500 | 4,101 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 5,017 |
| Cost of funding earning assets | 0.5535% | 1,926 |
| Net interest margin | 2.7928% | 5,174 |
| Noninterest income to average assets | 0.2945% | 4,349 |
| Noninterest expense to average assets | 1.7701% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9818% | 2,319 |
| Return on assets (ROA) | 0.9818% | 2,356 |
| Pretax return on assets | 1.2159% | 2,707 |
| Return on Equity (ROE) | 7.9771% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.3716% | 1,884 |
| Net charge-offs to loans | 0.0662% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 56.8750% | 991 |
| Efficiency ratio | 59.2805% | 4,377 |
| Assets per employee ($millions) | 5.2109% | 2,244 |
| Cash dividends to net income (ytd only)* | 32.6619% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 1,217 |
| Loan loss allowance to noncurrent loans | 490.1961% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 4,145 |
| Noncurrent loans to loans | 0.3201% | 3,626 |
| Net loans and leases to total assets | 34.3919% | 5,332 |
| Net loans and leases to deposits | 39.5159% | 5,350 |
| Net loans and leases to core deposits | 47.0251% | 5,220 |
| Total domestic deposits to total assets | 87.0331% | 1,979 |
| Equity capital to assets | 12.8627% | 1,333 |
| Core capital (leverage) ratio | 12.2921% | 1,452 |
| Tier 1 risk-based capital ratio | 27.1833% | 589 |
| Total risk-based capital ratio | 28.3655% | 581 |
| Memoranda: | ||
| Average total assets | $187,102,800 | 3,051 |
| Average earning assets | $180,318,800 | 2,962 |
| Average equity | $23,028,400 | 2,860 |
| Average total loans | $60,396,400 | 4,197 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3156% | 5,091 |
| Cost of funding earning assets | 0.5394% | 1,961 |
| Net interest margin | 2.7762% | 5,257 |
| Noninterest income to average assets | 0.2925% | 4,441 |
| Noninterest expense to average assets | 1.7427% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9687% | 2,701 |
| Return on assets (ROA) | 0.9687% | 2,754 |
| Pretax return on assets | 1.2251% | 2,801 |
| Return on Equity (ROE) | 7.9576% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.3400% | 2,655 |
| Net charge-offs to loans | 0.0627% | 2,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 61.7897% | 974 |
| Efficiency ratio | 58.7211% | 4,401 |
| Assets per employee ($millions) | 5.2155% | 2,211 |
| Cash dividends to net income (ytd only)* | 32.8951% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,183 |
| Loan loss allowance to noncurrent loans | 185.0091% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 3,224 |
| Noncurrent loans to loans | 0.8776% | 2,179 |
| Net loans and leases to total assets | 31.7751% | 5,462 |
| Net loans and leases to deposits | 36.2780% | 5,491 |
| Net loans and leases to core deposits | 45.0579% | 5,339 |
| Total domestic deposits to total assets | 87.5878% | 1,589 |
| Equity capital to assets | 12.2111% | 1,831 |
| Core capital (leverage) ratio | 12.4395% | 1,440 |
| Tier 1 risk-based capital ratio | 23.3971% | 907 |
| Total risk-based capital ratio | 24.4078% | 915 |
| Memoranda: | ||
| Average total assets | $188,283,500 | 3,063 |
| Average earning assets | $181,443,250 | 2,976 |
| Average equity | $22,920,750 | 2,889 |
| Average total loans | $59,564,500 | 4,254 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3038% | 5,099 |
| Cost of funding earning assets | 0.5345% | 1,881 |
| Net interest margin | 2.7693% | 5,289 |
| Noninterest income to average assets | 0.2838% | 4,524 |
| Noninterest expense to average assets | 1.7952% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9145% | 2,841 |
| Return on assets (ROA) | 0.9822% | 2,565 |
| Pretax return on assets | 1.2436% | 2,613 |
| Return on Equity (ROE) | 8.0770% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.4346% | 2,452 |
| Net charge-offs to loans | 0.0205% | 2,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 180.1667% | 444 |
| Efficiency ratio | 60.7907% | 4,197 |
| Assets per employee ($millions) | 5.0434% | 2,345 |
| Cash dividends to net income (ytd only)* | 32.7154% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 1,007 |
| Loan loss allowance to noncurrent loans | 153.4125% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 2,934 |
| Noncurrent loans to loans | 1.1282% | 1,742 |
| Net loans and leases to total assets | 31.4611% | 5,509 |
| Net loans and leases to deposits | 36.0245% | 5,539 |
| Net loans and leases to core deposits | 42.7452% | 5,432 |
| Total domestic deposits to total assets | 87.3326% | 1,789 |
| Equity capital to assets | 12.5131% | 1,612 |
| Core capital (leverage) ratio | 12.3644% | 1,437 |
| Tier 1 risk-based capital ratio | 27.5673% | 577 |
| Total risk-based capital ratio | 28.7998% | 566 |
| Memoranda: | ||
| Average total assets | $186,720,670 | 3,090 |
| Average earning assets | $179,975,330 | 3,001 |
| Average equity | $22,706,330 | 2,913 |
| Average total loans | $58,643,000 | 4,295 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2698% | 5,147 |
| Cost of funding earning assets | 0.5349% | 1,827 |
| Net interest margin | 2.7349% | 5,344 |
| Noninterest income to average assets | 0.2677% | 4,631 |
| Noninterest expense to average assets | 1.7861% | 5,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8913% | 2,806 |
| Return on assets (ROA) | 0.8930% | 2,844 |
| Pretax return on assets | 1.1008% | 2,981 |
| Return on Equity (ROE) | 7.4516% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.7712% | 3,026 |
| Net charge-offs to loans | 0.0275% | 2,204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 128.2500% | 427 |
| Efficiency ratio | 61.9154% | 4,158 |
| Assets per employee ($millions) | 5.0891% | 2,325 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 982 |
| Loan loss allowance to noncurrent loans | 288.5794% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 3,552 |
| Noncurrent loans to loans | 0.6188% | 2,965 |
| Net loans and leases to total assets | 30.2628% | 5,581 |
| Net loans and leases to deposits | 35.0436% | 5,602 |
| Net loans and leases to core deposits | 40.7573% | 5,499 |
| Total domestic deposits to total assets | 86.3577% | 2,510 |
| Equity capital to assets | 12.0055% | 1,836 |
| Core capital (leverage) ratio | 12.2161% | 1,495 |
| Tier 1 risk-based capital ratio | 27.5879% | 589 |
| Total risk-based capital ratio | 28.8379% | 572 |
| Memoranda: | ||
| Average total assets | $186,778,500 | 3,120 |
| Average earning assets | $178,729,000 | 3,048 |
| Average equity | $22,384,500 | 2,953 |
| Average total loans | $58,093,500 | 4,344 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 5,141 |
| Cost of funding earning assets | 0.5559% | 1,634 |
| Net interest margin | 2.7557% | 5,350 |
| Noninterest income to average assets | 0.2941% | 4,635 |
| Noninterest expense to average assets | 1.8982% | 5,365 |
| Loan and lease loss provision to assets | 0.0482% | 3,429 |
| Net operating income to assets | 0.8231% | 3,193 |
| Return on assets (ROA) | 0.8921% | 2,986 |
| Pretax return on assets | 1.0785% | 3,186 |
| Return on Equity (ROE) | 7.2996% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.0115% | 3,064 |
| Net charge-offs to loans | 0.1350% | 1,895 |
| Credit loss provision to net charge-offs | 111.1111% | 2,360 |
| Earnings coverage of net charge-offs (x) | 24.0494% | 1,656 |
| Efficiency ratio | 64.5238% | 3,848 |
| Assets per employee ($millions) | 5.0070% | 2,382 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 967 |
| Loan loss allowance to noncurrent loans | 339.8693% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 3,183 |
| Noncurrent loans to loans | 0.5261% | 3,275 |
| Net loans and leases to total assets | 30.8361% | 5,627 |
| Net loans and leases to deposits | 35.0662% | 5,661 |
| Net loans and leases to core deposits | 40.4734% | 5,587 |
| Total domestic deposits to total assets | 87.9370% | 1,659 |
| Equity capital to assets | 11.9632% | 1,834 |
| Core capital (leverage) ratio | 12.2049% | 1,474 |
| Tier 1 risk-based capital ratio | 27.6955% | 583 |
| Total risk-based capital ratio | 28.9457% | 568 |
| Memoranda: | ||
| Average total assets | $186,645,800 | 3,091 |
| Average earning assets | $179,339,400 | 3,023 |
| Average equity | $22,809,400 | 2,907 |
| Average total loans | $59,992,400 | 4,300 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,201 |
| Cost of funding earning assets | 0.5557% | 1,642 |
| Net interest margin | 2.7571% | 5,425 |
| Noninterest income to average assets | 0.2980% | 4,633 |
| Noninterest expense to average assets | 1.7690% | 5,550 |
| Loan and lease loss provision to assets | 0.0642% | 2,947 |
| Net operating income to assets | 0.8863% | 2,974 |
| Return on assets (ROA) | 0.8863% | 3,107 |
| Pretax return on assets | 1.1145% | 3,166 |
| Return on Equity (ROE) | 7.2147% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.6028% | 3,080 |
| Net charge-offs to loans | 0.0971% | 1,977 |
| Credit loss provision to net charge-offs | 204.5455% | 1,420 |
| Earnings coverage of net charge-offs (x) | 37.5650% | 1,287 |
| Efficiency ratio | 60.0145% | 4,538 |
| Assets per employee ($millions) | 4.9471% | 2,422 |
| Cash dividends to net income (ytd only)* | 36.2031% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 955 |
| Loan loss allowance to noncurrent loans | 145.9350% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7424% | 2,703 |
| Noncurrent loans to loans | 1.2550% | 1,782 |
| Net loans and leases to total assets | 31.5379% | 5,691 |
| Net loans and leases to deposits | 36.3161% | 5,718 |
| Net loans and leases to core deposits | 42.1622% | 5,631 |
| Total domestic deposits to total assets | 86.8430% | 1,970 |
| Equity capital to assets | 12.8478% | 1,572 |
| Core capital (leverage) ratio | 11.9585% | 1,704 |
| Tier 1 risk-based capital ratio | 27.0784% | 634 |
| Total risk-based capital ratio | 28.3290% | 620 |
| Memoranda: | ||
| Average total assets | $186,992,250 | 3,103 |
| Average earning assets | $179,703,250 | 3,025 |
| Average equity | $22,971,000 | 2,915 |
| Average total loans | $60,448,750 | 4,313 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3263% | 5,234 |
| Cost of funding earning assets | 0.5524% | 1,684 |
| Net interest margin | 2.7740% | 5,473 |
| Noninterest income to average assets | 0.2761% | 4,806 |
| Noninterest expense to average assets | 1.7163% | 5,678 |
| Loan and lease loss provision to assets | 0.0956% | 2,244 |
| Net operating income to assets | 0.8837% | 2,946 |
| Return on assets (ROA) | 0.8837% | 3,065 |
| Pretax return on assets | 1.1311% | 3,087 |
| Return on Equity (ROE) | 7.3018% | 3,371 |
| Retained earnings to average equity (ytd only) | 4.6689% | 2,935 |
| Net charge-offs to loans | 0.1312% | 1,541 |
| Credit loss provision to net charge-offs | 225.0000% | 1,197 |
| Earnings coverage of net charge-offs (x) | 28.8750% | 1,415 |
| Efficiency ratio | 58.3183% | 4,860 |
| Assets per employee ($millions) | 5.0073% | 2,288 |
| Cash dividends to net income (ytd only)* | 36.0577% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 1,068 |
| Loan loss allowance to noncurrent loans | 142.4242% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5473% | 3,383 |
| Noncurrent loans to loans | 1.2695% | 1,793 |
| Net loans and leases to total assets | 31.6858% | 5,749 |
| Net loans and leases to deposits | 36.3339% | 5,784 |
| Net loans and leases to core deposits | 41.7822% | 5,689 |
| Total domestic deposits to total assets | 87.2072% | 1,802 |
| Equity capital to assets | 12.5304% | 1,750 |
| Core capital (leverage) ratio | 11.9829% | 1,639 |
| Tier 1 risk-based capital ratio | 26.9987% | 651 |
| Total risk-based capital ratio | 28.2493% | 632 |
| Memoranda: | ||
| Average total assets | $188,308,670 | 3,105 |
| Average earning assets | $181,041,330 | 3,034 |
| Average equity | $22,789,000 | 2,942 |
| Average total loans | $60,996,670 | 4,312 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3339% | 5,252 |
| Cost of funding earning assets | 0.5505% | 1,707 |
| Net interest margin | 2.7834% | 5,496 |
| Noninterest income to average assets | 0.2760% | 4,750 |
| Noninterest expense to average assets | 1.7511% | 5,702 |
| Loan and lease loss provision to assets | 0.0948% | 2,112 |
| Net operating income to assets | 0.8639% | 2,926 |
| Return on assets (ROA) | 0.8639% | 3,039 |
| Pretax return on assets | 1.1042% | 3,077 |
| Return on Equity (ROE) | 7.2644% | 3,308 |
| Retained earnings to average equity (ytd only) | 4.6067% | 3,169 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3571% | 4,828 |
| Assets per employee ($millions) | 5.0905% | 2,250 |
| Cash dividends to net income (ytd only)* | 36.5854% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 1,241 |
| Loan loss allowance to noncurrent loans | 134.8371% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 3,355 |
| Noncurrent loans to loans | 1.2998% | 1,855 |
| Net loans and leases to total assets | 32.0239% | 5,780 |
| Net loans and leases to deposits | 36.5192% | 5,814 |
| Net loans and leases to core deposits | 41.8627% | 5,719 |
| Total domestic deposits to total assets | 87.6905% | 1,806 |
| Equity capital to assets | 12.1795% | 1,902 |
| Core capital (leverage) ratio | 11.7323% | 1,807 |
| Tier 1 risk-based capital ratio | 26.0338% | 733 |
| Total risk-based capital ratio | 27.2838% | 716 |
| Memoranda: | ||
| Average total assets | $189,828,500 | 3,093 |
| Average earning assets | $182,367,500 | 3,019 |
| Average equity | $22,576,000 | 2,967 |
| Average total loans | $61,602,500 | 4,326 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3613% | 5,243 |
| Cost of funding earning assets | 0.5616% | 1,663 |
| Net interest margin | 2.7997% | 5,512 |
| Noninterest income to average assets | 0.2834% | 4,861 |
| Noninterest expense to average assets | 1.7552% | 5,797 |
| Loan and lease loss provision to assets | 0.0936% | 2,443 |
| Net operating income to assets | 0.9265% | 2,721 |
| Return on assets (ROA) | 0.9265% | 2,812 |
| Pretax return on assets | 1.1251% | 2,945 |
| Return on Equity (ROE) | 8.0299% | 2,944 |
| Retained earnings to average equity (ytd only) | 2.8479% | 4,044 |
| Net charge-offs to loans | 0.1718% | 1,658 |
| Credit loss provision to net charge-offs | 163.6364% | 1,640 |
| Earnings coverage of net charge-offs (x) | 21.3091% | 1,820 |
| Efficiency ratio | 59.0210% | 5,026 |
| Assets per employee ($millions) | 5.1705% | 2,156 |
| Cash dividends to net income (ytd only)* | 64.5342% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 1,424 |
| Loan loss allowance to noncurrent loans | 111.3391% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 3,154 |
| Noncurrent loans to loans | 1.4981% | 1,547 |
| Net loans and leases to total assets | 31.7714% | 5,845 |
| Net loans and leases to deposits | 35.9798% | 5,891 |
| Net loans and leases to core deposits | 41.2242% | 5,788 |
| Total domestic deposits to total assets | 88.3036% | 1,473 |
| Equity capital to assets | 11.6107% | 2,271 |
| Core capital (leverage) ratio | 11.3407% | 2,093 |
| Tier 1 risk-based capital ratio | 25.3672% | 784 |
| Total risk-based capital ratio | 26.5603% | 777 |
| Memoranda: | ||
| Average total assets | $192,338,600 | 3,019 |
| Average earning assets | $184,841,400 | 2,945 |
| Average equity | $22,192,000 | 2,956 |
| Average total loans | $64,038,000 | 4,261 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 5,234 |
| Cost of funding earning assets | 0.5614% | 1,701 |
| Net interest margin | 2.8223% | 5,545 |
| Noninterest income to average assets | 0.2790% | 4,950 |
| Noninterest expense to average assets | 1.7708% | 5,821 |
| Loan and lease loss provision to assets | 0.0935% | 2,296 |
| Net operating income to assets | 0.9097% | 2,918 |
| Return on assets (ROA) | 0.9097% | 3,010 |
| Pretax return on assets | 1.1291% | 3,103 |
| Return on Equity (ROE) | 7.8963% | 3,130 |
| Retained earnings to average equity (ytd only) | 5.1921% | 2,785 |
| Net charge-offs to loans | 0.2044% | 1,269 |
| Credit loss provision to net charge-offs | 136.3636% | 1,808 |
| Earnings coverage of net charge-offs (x) | 17.8380% | 2,042 |
| Efficiency ratio | 59.1582% | 4,985 |
| Assets per employee ($millions) | 5.1166% | 2,152 |
| Cash dividends to net income (ytd only)* | 34.2468% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,731 |
| Loan loss allowance to noncurrent loans | 136.5753% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 3,655 |
| Noncurrent loans to loans | 1.1835% | 2,163 |
| Net loans and leases to total assets | 32.0550% | 5,920 |
| Net loans and leases to deposits | 36.4983% | 5,970 |
| Net loans and leases to core deposits | 41.6258% | 5,863 |
| Total domestic deposits to total assets | 87.8261% | 1,646 |
| Equity capital to assets | 11.9721% | 2,127 |
| Core capital (leverage) ratio | 11.4156% | 2,110 |
| Tier 1 risk-based capital ratio | 25.9115% | 775 |
| Total risk-based capital ratio | 27.0777% | 768 |
| Memoranda: | ||
| Average total assets | $192,596,500 | 3,046 |
| Average earning assets | $185,231,750 | 2,966 |
| Average equity | $22,187,000 | 2,968 |
| Average total loans | $64,594,500 | 4,289 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,326 |
| Cost of funding earning assets | 0.5556% | 1,769 |
| Net interest margin | 2.7983% | 5,615 |
| Noninterest income to average assets | 0.2757% | 4,978 |
| Noninterest expense to average assets | 1.7636% | 5,901 |
| Loan and lease loss provision to assets | 0.0929% | 2,264 |
| Net operating income to assets | 0.9045% | 2,853 |
| Return on assets (ROA) | 0.9045% | 2,974 |
| Pretax return on assets | 1.1183% | 3,097 |
| Return on Equity (ROE) | 7.9536% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.2298% | 2,717 |
| Net charge-offs to loans | 0.3081% | 861 |
| Credit loss provision to net charge-offs | 89.1089% | 2,213 |
| Earnings coverage of net charge-offs (x) | 11.6139% | 2,278 |
| Efficiency ratio | 59.2850% | 5,078 |
| Assets per employee ($millions) | 5.0547% | 2,204 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,459 |
| Loan loss allowance to noncurrent loans | 126.8358% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 3,731 |
| Noncurrent loans to loans | 1.1517% | 2,342 |
| Net loans and leases to total assets | 33.3642% | 5,928 |
| Net loans and leases to deposits | 37.7578% | 5,984 |
| Net loans and leases to core deposits | 42.6992% | 5,874 |
| Total domestic deposits to total assets | 88.3637% | 1,459 |
| Equity capital to assets | 11.4832% | 2,430 |
| Core capital (leverage) ratio | 11.2179% | 2,230 |
| Tier 1 risk-based capital ratio | 25.2229% | 842 |
| Total risk-based capital ratio | 26.3189% | 843 |
| Memoranda: | ||
| Average total assets | $193,690,330 | 3,053 |
| Average earning assets | $186,825,000 | 2,963 |
| Average equity | $22,027,670 | 2,994 |
| Average total loans | $65,565,330 | 4,288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 5,477 |
| Cost of funding earning assets | 0.5485% | 1,862 |
| Net interest margin | 2.7382% | 5,754 |
| Noninterest income to average assets | 0.2694% | 5,024 |
| Noninterest expense to average assets | 1.6864% | 6,029 |
| Loan and lease loss provision to assets | 0.0925% | 2,144 |
| Net operating income to assets | 0.8782% | 2,851 |
| Return on assets (ROA) | 0.8782% | 2,979 |
| Pretax return on assets | 1.1291% | 2,955 |
| Return on Equity (ROE) | 7.7591% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.0334% | 3,033 |
| Net charge-offs to loans | 0.3889% | 632 |
| Credit loss provision to net charge-offs | 70.3125% | 1,912 |
| Earnings coverage of net charge-offs (x) | 9.2813% | 2,019 |
| Efficiency ratio | 57.9915% | 5,338 |
| Assets per employee ($millions) | 5.2932% | 2,001 |
| Cash dividends to net income (ytd only)* | 35.1288% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 2,716 |
| Loan loss allowance to noncurrent loans | 51.0846% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1208% | 2,390 |
| Noncurrent loans to loans | 2.8267% | 808 |
| Net loans and leases to total assets | 32.8282% | 5,973 |
| Net loans and leases to deposits | 37.1494% | 6,017 |
| Net loans and leases to core deposits | 42.0353% | 5,908 |
| Total domestic deposits to total assets | 88.3680% | 1,616 |
| Equity capital to assets | 11.3507% | 2,597 |
| Core capital (leverage) ratio | 11.1687% | 2,248 |
| Tier 1 risk-based capital ratio | 24.1304% | 980 |
| Total risk-based capital ratio | 25.1789% | 987 |
| Memoranda: | ||
| Average total assets | $194,495,500 | 3,066 |
| Average earning assets | $187,423,000 | 2,969 |
| Average equity | $22,013,000 | 3,020 |
| Average total loans | $65,830,000 | 4,303 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 5,263 |
| Cost of funding earning assets | 0.5611% | 2,133 |
| Net interest margin | 2.9642% | 5,521 |
| Noninterest income to average assets | 0.2856% | 5,077 |
| Noninterest expense to average assets | 1.7786% | 6,095 |
| Loan and lease loss provision to assets | 0.0943% | 2,579 |
| Net operating income to assets | 1.0313% | 2,258 |
| Return on assets (ROA) | 1.0313% | 2,332 |
| Pretax return on assets | 1.2724% | 2,340 |
| Return on Equity (ROE) | 9.2536% | 2,462 |
| Retained earnings to average equity (ytd only) | 3.3761% | 3,807 |
| Net charge-offs to loans | 0.0289% | 4,246 |
| Credit loss provision to net charge-offs | 900.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 130.4000% | 411 |
| Efficiency ratio | 56.5478% | 5,613 |
| Assets per employee ($millions) | 5.2201% | 2,049 |
| Cash dividends to net income (ytd only)* | 63.5163% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 2,709 |
| Loan loss allowance to noncurrent loans | 64.7138% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 3,118 |
| Noncurrent loans to loans | 2.2356% | 1,178 |
| Net loans and leases to total assets | 33.8939% | 6,041 |
| Net loans and leases to deposits | 38.2712% | 6,094 |
| Net loans and leases to core deposits | 42.3891% | 6,018 |
| Total domestic deposits to total assets | 88.5624% | 1,486 |
| Equity capital to assets | 11.2848% | 2,613 |
| Core capital (leverage) ratio | 11.0650% | 2,346 |
| Tier 1 risk-based capital ratio | 23.5899% | 996 |
| Total risk-based capital ratio | 24.6548% | 996 |
| Memoranda: | ||
| Average total assets | $190,825,200 | 3,094 |
| Average earning assets | $184,095,000 | 2,987 |
| Average equity | $21,267,400 | 3,022 |
| Average total loans | $69,317,400 | 4,206 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 5,310 |
| Cost of funding earning assets | 0.5616% | 2,181 |
| Net interest margin | 2.9727% | 5,555 |
| Noninterest income to average assets | 0.2901% | 5,123 |
| Noninterest expense to average assets | 1.7934% | 6,099 |
| Loan and lease loss provision to assets | 0.0946% | 2,474 |
| Net operating income to assets | 1.0204% | 2,367 |
| Return on assets (ROA) | 1.0204% | 2,420 |
| Pretax return on assets | 1.2699% | 2,493 |
| Return on Equity (ROE) | 9.1850% | 2,589 |
| Retained earnings to average equity (ytd only) | 6.3463% | 2,194 |
| Net charge-offs to loans | 0.0324% | 3,841 |
| Credit loss provision to net charge-offs | 794.1176% | 395 |
| Earnings coverage of net charge-offs (x) | 114.5099% | 516 |
| Efficiency ratio | 56.7909% | 5,579 |
| Assets per employee ($millions) | 5.2158% | 1,997 |
| Cash dividends to net income (ytd only)* | 30.9069% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,413 |
| Loan loss allowance to noncurrent loans | 56.7284% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 3,164 |
| Noncurrent loans to loans | 2.3730% | 1,256 |
| Net loans and leases to total assets | 34.8994% | 6,076 |
| Net loans and leases to deposits | 39.4600% | 6,131 |
| Net loans and leases to core deposits | 43.9146% | 6,042 |
| Total domestic deposits to total assets | 88.4425% | 1,532 |
| Equity capital to assets | 11.3466% | 2,633 |
| Core capital (leverage) ratio | 11.2748% | 2,242 |
| Tier 1 risk-based capital ratio | 23.5033% | 1,047 |
| Total risk-based capital ratio | 24.5044% | 1,071 |
| Memoranda: | ||
| Average total assets | $190,245,500 | 3,127 |
| Average earning assets | $183,531,250 | 3,017 |
| Average equity | $21,135,250 | 3,047 |
| Average total loans | $70,040,500 | 4,220 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 5,313 |
| Cost of funding earning assets | 0.5646% | 2,213 |
| Net interest margin | 2.9741% | 5,587 |
| Noninterest income to average assets | 0.2810% | 5,178 |
| Noninterest expense to average assets | 1.8222% | 6,115 |
| Loan and lease loss provision to assets | 0.0951% | 2,441 |
| Net operating income to assets | 0.9951% | 2,338 |
| Return on assets (ROA) | 0.9951% | 2,408 |
| Pretax return on assets | 1.2296% | 2,536 |
| Return on Equity (ROE) | 9.0224% | 2,582 |
| Retained earnings to average equity (ytd only) | 6.1490% | 2,233 |
| Net charge-offs to loans | 0.0227% | 3,754 |
| Credit loss provision to net charge-offs | 1,125.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 156.7500% | 396 |
| Efficiency ratio | 57.9053% | 5,565 |
| Assets per employee ($millions) | 5.0928% | 2,099 |
| Cash dividends to net income (ytd only)* | 31.8471% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,027 |
| Loan loss allowance to noncurrent loans | 38.4414% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3082% | 2,494 |
| Noncurrent loans to loans | 3.3035% | 842 |
| Net loans and leases to total assets | 36.4315% | 6,030 |
| Net loans and leases to deposits | 41.2091% | 6,104 |
| Net loans and leases to core deposits | 45.6789% | 6,007 |
| Total domestic deposits to total assets | 88.4065% | 1,680 |
| Equity capital to assets | 11.4136% | 2,504 |
| Core capital (leverage) ratio | 11.1094% | 2,323 |
| Tier 1 risk-based capital ratio | 23.2210% | 1,078 |
| Total risk-based capital ratio | 24.1877% | 1,104 |
| Memoranda: | ||
| Average total assets | $189,333,000 | 3,158 |
| Average earning assets | $182,443,670 | 3,047 |
| Average equity | $20,881,330 | 3,073 |
| Average total loans | $70,631,000 | 4,212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 5,305 |
| Cost of funding earning assets | 0.5643% | 2,302 |
| Net interest margin | 2.9838% | 5,560 |
| Noninterest income to average assets | 0.3520% | 4,559 |
| Noninterest expense to average assets | 2.4428% | 4,805 |
| Loan and lease loss provision to assets | 0.0948% | 2,337 |
| Net operating income to assets | 0.9506% | 2,403 |
| Return on assets (ROA) | 0.9421% | 2,514 |
| Pretax return on assets | 0.6702% | 4,596 |
| Return on Equity (ROE) | 8.6929% | 2,604 |
| Retained earnings to average equity (ytd only) | 5.7758% | 2,657 |
| Net charge-offs to loans | -0.0169% | 5,268 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9502% | 2,814 |
| Assets per employee ($millions) | 5.1771% | 2,036 |
| Cash dividends to net income (ytd only)* | 33.5570% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,620 |
| Loan loss allowance to noncurrent loans | 45.6206% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 3,215 |
| Noncurrent loans to loans | 2.6380% | 1,295 |
| Net loans and leases to total assets | 36.3847% | 6,048 |
| Net loans and leases to deposits | 40.9079% | 6,138 |
| Net loans and leases to core deposits | 46.2433% | 5,977 |
| Total domestic deposits to total assets | 88.9430% | 1,700 |
| Equity capital to assets | 10.8868% | 2,840 |
| Core capital (leverage) ratio | 10.9689% | 2,415 |
| Tier 1 risk-based capital ratio | 22.5594% | 1,197 |
| Total risk-based capital ratio | 23.4773% | 1,237 |
| Memoranda: | ||
| Average total assets | $189,783,000 | 3,172 |
| Average earning assets | $182,183,000 | 3,072 |
| Average equity | $20,568,500 | 3,110 |
| Average total loans | $71,180,500 | 4,227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5434% | 5,549 |
| Cost of funding earning assets | 0.5944% | 2,718 |
| Net interest margin | 2.9490% | 5,682 |
| Noninterest income to average assets | 0.2919% | 5,265 |
| Noninterest expense to average assets | 1.7319% | 6,411 |
| Loan and lease loss provision to assets | 0.0945% | 3,234 |
| Net operating income to assets | 1.0290% | 2,206 |
| Return on assets (ROA) | 1.0290% | 2,266 |
| Pretax return on assets | 1.2967% | 2,171 |
| Return on Equity (ROE) | 9.6849% | 2,241 |
| Retained earnings to average equity (ytd only) | 5.9790% | 1,984 |
| Net charge-offs to loans | 0.1005% | 3,833 |
| Credit loss provision to net charge-offs | 253.5211% | 893 |
| Earnings coverage of net charge-offs (x) | 37.3239% | 1,003 |
| Efficiency ratio | 55.4547% | 6,001 |
| Assets per employee ($millions) | 5.0814% | 2,091 |
| Cash dividends to net income (ytd only)* | 38.2653% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 5,070 |
| Loan loss allowance to noncurrent loans | 60.2709% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 3,935 |
| Noncurrent loans to loans | 1.8506% | 2,168 |
| Net loans and leases to total assets | 37.7713% | 6,114 |
| Net loans and leases to deposits | 42.3742% | 6,207 |
| Net loans and leases to core deposits | 47.8248% | 6,045 |
| Total domestic deposits to total assets | 89.1375% | 1,527 |
| Equity capital to assets | 10.7881% | 2,835 |
| Core capital (leverage) ratio | 10.7953% | 2,580 |
| Tier 1 risk-based capital ratio | 22.1304% | 1,235 |
| Total risk-based capital ratio | 22.9922% | 1,281 |
| Memoranda: | ||
| Average total assets | $190,480,400 | 3,149 |
| Average earning assets | $182,875,200 | 3,040 |
| Average equity | $20,237,600 | 3,128 |
| Average total loans | $70,663,800 | 4,244 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 5,764 |
| Cost of funding earning assets | 0.5981% | 2,825 |
| Net interest margin | 2.8639% | 5,889 |
| Noninterest income to average assets | 0.2826% | 5,425 |
| Noninterest expense to average assets | 1.7136% | 6,457 |
| Loan and lease loss provision to assets | 0.0942% | 3,193 |
| Net operating income to assets | 0.9649% | 2,520 |
| Return on assets (ROA) | 0.9649% | 2,620 |
| Pretax return on assets | 1.2245% | 2,601 |
| Return on Equity (ROE) | 9.1166% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.1503% | 2,318 |
| Net charge-offs to loans | 0.1231% | 3,309 |
| Credit loss provision to net charge-offs | 207.6923% | 1,165 |
| Earnings coverage of net charge-offs (x) | 29.0785% | 1,264 |
| Efficiency ratio | 56.5117% | 5,850 |
| Assets per employee ($millions) | 5.0807% | 2,076 |
| Cash dividends to net income (ytd only)* | 32.5383% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 5,467 |
| Loan loss allowance to noncurrent loans | 29.2514% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5070% | 2,674 |
| Noncurrent loans to loans | 3.6392% | 1,021 |
| Net loans and leases to total assets | 37.6730% | 6,184 |
| Net loans and leases to deposits | 42.2758% | 6,290 |
| Net loans and leases to core deposits | 47.6290% | 6,140 |
| Total domestic deposits to total assets | 89.1125% | 1,502 |
| Equity capital to assets | 10.7019% | 3,067 |
| Core capital (leverage) ratio | 10.6232% | 2,868 |
| Tier 1 risk-based capital ratio | 21.9294% | 1,331 |
| Total risk-based capital ratio | 22.7528% | 1,372 |
| Memoranda: | ||
| Average total assets | $191,097,250 | 3,166 |
| Average earning assets | $183,473,000 | 3,063 |
| Average equity | $20,226,250 | 3,162 |
| Average total loans | $70,375,750 | 4,290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4551% | 5,781 |
| Cost of funding earning assets | 0.6053% | 2,890 |
| Net interest margin | 2.8498% | 5,898 |
| Noninterest income to average assets | 0.2769% | 5,470 |
| Noninterest expense to average assets | 1.6759% | 6,525 |
| Loan and lease loss provision to assets | 0.0937% | 3,224 |
| Net operating income to assets | 0.9774% | 2,426 |
| Return on assets (ROA) | 0.9774% | 2,576 |
| Pretax return on assets | 1.2418% | 2,507 |
| Return on Equity (ROE) | 9.2684% | 2,510 |
| Retained earnings to average equity (ytd only) | 6.3073% | 2,257 |
| Net charge-offs to loans | 0.1686% | 2,768 |
| Credit loss provision to net charge-offs | 152.5424% | 1,514 |
| Earnings coverage of net charge-offs (x) | 21.7458% | 1,400 |
| Efficiency ratio | 55.6516% | 6,004 |
| Assets per employee ($millions) | 5.0911% | 2,004 |
| Cash dividends to net income (ytd only)* | 31.9489% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,690 |
| Loan loss allowance to noncurrent loans | 41.4564% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 3,828 |
| Noncurrent loans to loans | 2.4957% | 1,855 |
| Net loans and leases to total assets | 36.7137% | 6,257 |
| Net loans and leases to deposits | 41.1893% | 6,358 |
| Net loans and leases to core deposits | 46.1709% | 6,228 |
| Total domestic deposits to total assets | 89.1342% | 1,551 |
| Equity capital to assets | 10.6906% | 3,068 |
| Core capital (leverage) ratio | 10.3717% | 3,018 |
| Tier 1 risk-based capital ratio | 22.4961% | 1,203 |
| Total risk-based capital ratio | 23.3093% | 1,249 |
| Memoranda: | ||
| Average total assets | $192,134,330 | 3,166 |
| Average earning assets | $184,366,330 | 3,056 |
| Average equity | $20,262,330 | 3,182 |
| Average total loans | $69,973,670 | 4,309 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4480% | 5,837 |
| Cost of funding earning assets | 0.6105% | 3,007 |
| Net interest margin | 2.8375% | 5,949 |
| Noninterest income to average assets | 0.2618% | 5,588 |
| Noninterest expense to average assets | 1.6885% | 6,570 |
| Loan and lease loss provision to assets | 0.0928% | 3,112 |
| Net operating income to assets | 0.9339% | 2,501 |
| Return on assets (ROA) | 0.9339% | 2,644 |
| Pretax return on assets | 1.2020% | 2,564 |
| Return on Equity (ROE) | 8.9153% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.9632% | 2,695 |
| Net charge-offs to loans | 0.2856% | 1,822 |
| Credit loss provision to net charge-offs | 90.0000% | 2,023 |
| Earnings coverage of net charge-offs (x) | 12.5600% | 1,588 |
| Efficiency ratio | 56.5999% | 6,007 |
| Assets per employee ($millions) | 5.2451% | 1,928 |
| Cash dividends to net income (ytd only)* | 33.1126% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,026 |
| Loan loss allowance to noncurrent loans | 48.6200% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7930% | 4,386 |
| Noncurrent loans to loans | 2.0317% | 2,589 |
| Net loans and leases to total assets | 35.4831% | 6,337 |
| Net loans and leases to deposits | 39.8355% | 6,426 |
| Net loans and leases to core deposits | 45.5036% | 6,242 |
| Total domestic deposits to total assets | 89.0740% | 1,642 |
| Equity capital to assets | 10.5426% | 3,500 |
| Core capital (leverage) ratio | 10.2665% | 3,053 |
| Tier 1 risk-based capital ratio | 22.2023% | 1,293 |
| Total risk-based capital ratio | 22.9780% | 1,356 |
| Memoranda: | ||
| Average total assets | $194,016,000 | 3,171 |
| Average earning assets | $186,080,500 | 3,071 |
| Average equity | $20,324,500 | 3,213 |
| Average total loans | $70,020,000 | 4,343 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 5,991 |
| Cost of funding earning assets | 0.7797% | 2,833 |
| Net interest margin | 2.9513% | 6,134 |
| Noninterest income to average assets | 0.3241% | 5,140 |
| Noninterest expense to average assets | 1.7136% | 6,712 |
| Loan and lease loss provision to assets | 0.0944% | 4,488 |
| Net operating income to assets | 1.0208% | 2,249 |
| Return on assets (ROA) | 1.0236% | 2,448 |
| Pretax return on assets | 1.3503% | 2,210 |
| Return on Equity (ROE) | 9.9620% | 2,186 |
| Retained earnings to average equity (ytd only) | 6.8999% | 1,612 |
| Net charge-offs to loans | 0.1427% | 4,267 |
| Credit loss provision to net charge-offs | 181.8182% | 1,447 |
| Earnings coverage of net charge-offs (x) | 27.7576% | 1,060 |
| Efficiency ratio | 54.3218% | 6,237 |
| Assets per employee ($millions) | 4.9734% | 2,260 |
| Cash dividends to net income (ytd only)* | 30.7377% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 6,023 |
| Loan loss allowance to noncurrent loans | 51.2593% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 4,694 |
| Noncurrent loans to loans | 1.9151% | 2,788 |
| Net loans and leases to total assets | 35.9859% | 6,437 |
| Net loans and leases to deposits | 40.3069% | 6,535 |
| Net loans and leases to core deposits | 46.2132% | 6,358 |
| Total domestic deposits to total assets | 89.2799% | 1,386 |
| Equity capital to assets | 10.4087% | 3,636 |
| Core capital (leverage) ratio | 10.0987% | 3,277 |
| Tier 1 risk-based capital ratio | 21.7106% | 1,319 |
| Total risk-based capital ratio | 22.4866% | 1,384 |
| Memoranda: | ||
| Average total assets | $190,704,400 | 3,168 |
| Average earning assets | $182,900,200 | 3,054 |
| Average equity | $19,594,400 | 3,251 |
| Average total loans | $69,397,000 | 4,375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 6,105 |
| Cost of funding earning assets | 0.8141% | 2,830 |
| Net interest margin | 2.9482% | 6,277 |
| Noninterest income to average assets | 0.3279% | 5,176 |
| Noninterest expense to average assets | 1.7027% | 6,787 |
| Loan and lease loss provision to assets | 0.0948% | 4,396 |
| Net operating income to assets | 1.0230% | 2,398 |
| Return on assets (ROA) | 1.0230% | 2,622 |
| Pretax return on assets | 1.3579% | 2,381 |
| Return on Equity (ROE) | 9.9899% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.9045% | 2,176 |
| Net charge-offs to loans | 0.1697% | 3,751 |
| Credit loss provision to net charge-offs | 153.4091% | 1,837 |
| Earnings coverage of net charge-offs (x) | 23.5115% | 1,312 |
| Efficiency ratio | 53.9608% | 6,254 |
| Assets per employee ($millions) | 5.5058% | 1,631 |
| Cash dividends to net income (ytd only)* | 30.8856% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 6,274 |
| Loan loss allowance to noncurrent loans | 61.4593% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.5802% | 5,213 |
| Noncurrent loans to loans | 1.5258% | 3,496 |
| Net loans and leases to total assets | 36.0155% | 6,546 |
| Net loans and leases to deposits | 40.4039% | 6,663 |
| Net loans and leases to core deposits | 46.5342% | 6,487 |
| Total domestic deposits to total assets | 89.1387% | 1,348 |
| Equity capital to assets | 10.3641% | 3,993 |
| Core capital (leverage) ratio | 9.9669% | 3,588 |
| Tier 1 risk-based capital ratio | 21.4010% | 1,439 |
| Total risk-based capital ratio | 22.1404% | 1,515 |
| Memoranda: | ||
| Average total assets | $189,890,000 | 3,207 |
| Average earning assets | $182,115,500 | 3,090 |
| Average equity | $19,445,750 | 3,297 |
| Average total loans | $69,123,500 | 4,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 6,125 |
| Cost of funding earning assets | 0.8624% | 2,712 |
| Net interest margin | 2.9444% | 6,349 |
| Noninterest income to average assets | 0.2974% | 5,425 |
| Noninterest expense to average assets | 1.7221% | 6,823 |
| Loan and lease loss provision to assets | 0.0953% | 4,354 |
| Net operating income to assets | 0.9804% | 2,543 |
| Return on assets (ROA) | 0.9844% | 2,767 |
| Pretax return on assets | 1.3040% | 2,543 |
| Return on Equity (ROE) | 9.6521% | 2,511 |
| Retained earnings to average equity (ytd only) | 6.5385% | 2,365 |
| Net charge-offs to loans | 0.2325% | 3,176 |
| Credit loss provision to net charge-offs | 112.5000% | 2,422 |
| Earnings coverage of net charge-offs (x) | 16.4625% | 1,592 |
| Efficiency ratio | 55.2649% | 6,195 |
| Assets per employee ($millions) | 4.9545% | 2,231 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,460 |
| Loan loss allowance to noncurrent loans | 61.5461% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 5,348 |
| Noncurrent loans to loans | 1.4600% | 3,719 |
| Net loans and leases to total assets | 36.3786% | 6,596 |
| Net loans and leases to deposits | 40.8094% | 6,706 |
| Net loans and leases to core deposits | 46.2217% | 6,562 |
| Total domestic deposits to total assets | 89.1427% | 1,423 |
| Equity capital to assets | 10.3920% | 3,822 |
| Core capital (leverage) ratio | 9.7560% | 3,771 |
| Tier 1 risk-based capital ratio | 21.6492% | 1,358 |
| Total risk-based capital ratio | 22.3705% | 1,433 |
| Memoranda: | ||
| Average total assets | $188,952,330 | 3,229 |
| Average earning assets | $180,883,670 | 3,115 |
| Average equity | $19,270,330 | 3,314 |
| Average total loans | $68,811,330 | 4,457 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 6,212 |
| Cost of funding earning assets | 0.8837% | 2,807 |
| Net interest margin | 2.9318% | 6,434 |
| Noninterest income to average assets | 0.2789% | 5,635 |
| Noninterest expense to average assets | 1.6842% | 6,912 |
| Loan and lease loss provision to assets | 0.0951% | 4,163 |
| Net operating income to assets | 0.9488% | 2,699 |
| Return on assets (ROA) | 0.9488% | 2,910 |
| Pretax return on assets | 1.3038% | 2,522 |
| Return on Equity (ROE) | 9.3918% | 2,642 |
| Retained earnings to average equity (ytd only) | 6.2542% | 2,815 |
| Net charge-offs to loans | 0.2447% | 2,709 |
| Credit loss provision to net charge-offs | 107.1429% | 2,171 |
| Earnings coverage of net charge-offs (x) | 15.7619% | 1,405 |
| Efficiency ratio | 54.6265% | 6,278 |
| Assets per employee ($millions) | 5.2297% | 1,959 |
| Cash dividends to net income (ytd only)* | 33.4076% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 6,567 |
| Loan loss allowance to noncurrent loans | 62.0829% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 5,507 |
| Noncurrent loans to loans | 1.4315% | 3,963 |
| Net loans and leases to total assets | 35.3881% | 6,665 |
| Net loans and leases to deposits | 39.4982% | 6,758 |
| Net loans and leases to core deposits | 46.3867% | 6,542 |
| Total domestic deposits to total assets | 89.5943% | 1,310 |
| Equity capital to assets | 9.9478% | 4,191 |
| Core capital (leverage) ratio | 9.6991% | 3,772 |
| Tier 1 risk-based capital ratio | 21.1566% | 1,461 |
| Total risk-based capital ratio | 21.8662% | 1,540 |
| Memoranda: | ||
| Average total assets | $189,293,500 | 3,246 |
| Average earning assets | $181,049,500 | 3,133 |
| Average equity | $19,123,000 | 3,333 |
| Average total loans | $68,661,500 | 4,490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 5,622 |
| Cost of funding earning assets | 1.0800% | 2,808 |
| Net interest margin | 3.2627% | 5,923 |
| Noninterest income to average assets | 0.3236% | 5,227 |
| Noninterest expense to average assets | 1.7797% | 6,978 |
| Loan and lease loss provision to assets | 0.0560% | 5,897 |
| Net operating income to assets | 1.1763% | 1,582 |
| Return on assets (ROA) | 1.1919% | 1,643 |
| Pretax return on assets | 1.6296% | 1,143 |
| Return on Equity (ROE) | 11.3297% | 1,611 |
| Retained earnings to average equity (ytd only) | 3.7464% | 3,552 |
| Net charge-offs to loans | 0.4829% | 3,068 |
| Credit loss provision to net charge-offs | 29.8507% | 5,788 |
| Earnings coverage of net charge-offs (x) | 8.8746% | 2,075 |
| Efficiency ratio | 51.6743% | 6,727 |
| Assets per employee ($millions) | 4.5143% | 2,884 |
| Cash dividends to net income (ytd only)* | 66.9328% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8955% | 6,545 |
| Loan loss allowance to noncurrent loans | 50.3710% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 5,275 |
| Noncurrent loans to loans | 1.7777% | 3,497 |
| Net loans and leases to total assets | 36.5353% | 6,729 |
| Net loans and leases to deposits | 41.0584% | 6,827 |
| Net loans and leases to core deposits | 48.1193% | 6,639 |
| Total domestic deposits to total assets | 88.9836% | 1,548 |
| Equity capital to assets | 10.2638% | 3,829 |
| Core capital (leverage) ratio | 10.0452% | 3,283 |
| Tier 1 risk-based capital ratio | 21.7504% | 1,272 |
| Total risk-based capital ratio | 22.4883% | 1,348 |
| Memoranda: | ||
| Average total assets | $178,629,600 | 3,355 |
| Average earning assets | $170,838,800 | 3,234 |
| Average equity | $18,791,400 | 3,314 |
| Average total loans | $69,365,800 | 4,517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4073% | 5,585 |
| Cost of funding earning assets | 1.1132% | 2,888 |
| Net interest margin | 3.2941% | 5,873 |
| Noninterest income to average assets | 0.3164% | 5,330 |
| Noninterest expense to average assets | 1.8431% | 6,933 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1775% | 1,720 |
| Return on assets (ROA) | 1.1976% | 1,773 |
| Pretax return on assets | 1.6525% | 1,251 |
| Return on Equity (ROE) | 11.3124% | 1,755 |
| Retained earnings to average equity (ytd only) | 8.1108% | 1,470 |
| Net charge-offs to loans | 0.4901% | 2,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.4259% | 2,180 |
| Efficiency ratio | 53.1494% | 6,580 |
| Assets per employee ($millions) | 4.2038% | 3,429 |
| Cash dividends to net income (ytd only)* | 28.3021% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 6,753 |
| Loan loss allowance to noncurrent loans | 62.3679% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 5,772 |
| Noncurrent loans to loans | 1.3359% | 4,296 |
| Net loans and leases to total assets | 38.8477% | 6,718 |
| Net loans and leases to deposits | 43.8589% | 6,844 |
| Net loans and leases to core deposits | 51.6969% | 6,583 |
| Total domestic deposits to total assets | 88.5741% | 1,716 |
| Equity capital to assets | 10.8406% | 3,300 |
| Core capital (leverage) ratio | 10.3418% | 3,049 |
| Tier 1 risk-based capital ratio | 22.2206% | 1,249 |
| Total risk-based capital ratio | 22.9314% | 1,310 |
| Memoranda: | ||
| Average total assets | $177,015,250 | 3,394 |
| Average earning assets | $169,351,500 | 3,262 |
| Average equity | $18,740,000 | 3,320 |
| Average total loans | $69,649,000 | 4,541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 5,552 |
| Cost of funding earning assets | 1.1319% | 3,025 |
| Net interest margin | 3.3100% | 5,828 |
| Noninterest income to average assets | 0.3084% | 5,428 |
| Noninterest expense to average assets | 1.8456% | 7,022 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1813% | 1,631 |
| Return on assets (ROA) | 1.1936% | 1,679 |
| Pretax return on assets | 1.6477% | 1,159 |
| Return on Equity (ROE) | 11.3684% | 1,682 |
| Retained earnings to average equity (ytd only) | 8.1172% | 1,420 |
| Net charge-offs to loans | 0.4129% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 10.0210% | 1,857 |
| Efficiency ratio | 53.0933% | 6,706 |
| Assets per employee ($millions) | 4.0482% | 3,661 |
| Cash dividends to net income (ytd only)* | 28.5987% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 6,333 |
| Loan loss allowance to noncurrent loans | 66.8251% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 5,680 |
| Noncurrent loans to loans | 1.4971% | 4,174 |
| Net loans and leases to total assets | 39.9633% | 6,747 |
| Net loans and leases to deposits | 45.1677% | 6,870 |
| Net loans and leases to core deposits | 51.3368% | 6,698 |
| Total domestic deposits to total assets | 88.4778% | 1,868 |
| Equity capital to assets | 10.9880% | 2,968 |
| Core capital (leverage) ratio | 10.1631% | 3,078 |
| Tier 1 risk-based capital ratio | 22.2684% | 1,220 |
| Total risk-based capital ratio | 23.1356% | 1,249 |
| Memoranda: | ||
| Average total assets | $175,765,330 | 3,435 |
| Average earning assets | $168,219,000 | 3,308 |
| Average equity | $18,454,670 | 3,342 |
| Average total loans | $69,261,000 | 4,606 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 5,605 |
| Cost of funding earning assets | 1.1440% | 3,197 |
| Net interest margin | 3.2804% | 5,841 |
| Noninterest income to average assets | 0.2876% | 5,617 |
| Noninterest expense to average assets | 1.8074% | 7,127 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1725% | 1,591 |
| Return on assets (ROA) | 1.1823% | 1,613 |
| Pretax return on assets | 1.6307% | 1,126 |
| Return on Equity (ROE) | 11.5241% | 1,593 |
| Retained earnings to average equity (ytd only) | 8.2126% | 1,659 |
| Net charge-offs to loans | 0.1105% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 37.5789% | 714 |
| Efficiency ratio | 52.7778% | 6,800 |
| Assets per employee ($millions) | 4.1050% | 3,630 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 5,577 |
| Loan loss allowance to noncurrent loans | 93.2356% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 5,939 |
| Noncurrent loans to loans | 1.2988% | 4,530 |
| Net loans and leases to total assets | 38.2205% | 6,893 |
| Net loans and leases to deposits | 42.8279% | 6,995 |
| Net loans and leases to core deposits | 50.7802% | 6,739 |
| Total domestic deposits to total assets | 89.2423% | 1,622 |
| Equity capital to assets | 10.3646% | 3,331 |
| Core capital (leverage) ratio | 10.0954% | 3,045 |
| Tier 1 risk-based capital ratio | 21.9916% | 1,227 |
| Total risk-based capital ratio | 23.0206% | 1,235 |
| Memoranda: | ||
| Average total assets | $176,612,000 | 3,439 |
| Average earning assets | $168,879,500 | 3,316 |
| Average equity | $18,118,500 | 3,385 |
| Average total loans | $68,757,500 | 4,662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 6,026 |
| Cost of funding earning assets | 1.3447% | 3,613 |
| Net interest margin | 3.2843% | 6,033 |
| Noninterest income to average assets | 0.3747% | 5,099 |
| Noninterest expense to average assets | 1.8707% | 7,201 |
| Loan and lease loss provision to assets | 0.0432% | 6,733 |
| Net operating income to assets | 1.1478% | 1,547 |
| Return on assets (ROA) | 1.1536% | 1,617 |
| Pretax return on assets | 1.6073% | 1,111 |
| Return on Equity (ROE) | 11.0110% | 1,585 |
| Retained earnings to average equity (ytd only) | 4.2701% | 2,855 |
| Net charge-offs to loans | 0.1472% | 5,475 |
| Credit loss provision to net charge-offs | 74.2574% | 5,754 |
| Earnings coverage of net charge-offs (x) | 28.2079% | 770 |
| Efficiency ratio | 53.2491% | 6,867 |
| Assets per employee ($millions) | 4.3100% | 3,182 |
| Cash dividends to net income (ytd only)* | 61.2194% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,405 |
| Loan loss allowance to noncurrent loans | 97.3533% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 6,003 |
| Noncurrent loans to loans | 1.2554% | 4,616 |
| Net loans and leases to total assets | 38.6947% | 7,041 |
| Net loans and leases to deposits | 43.1968% | 7,147 |
| Net loans and leases to core deposits | 52.3649% | 6,889 |
| Total domestic deposits to total assets | 89.5778% | 1,342 |
| Equity capital to assets | 10.1534% | 3,555 |
| Core capital (leverage) ratio | 9.9160% | 3,188 |
| Tier 1 risk-based capital ratio | 21.3264% | 1,274 |
| Total risk-based capital ratio | 22.3690% | 1,275 |
| Memoranda: | ||
| Average total assets | $173,462,400 | 3,473 |
| Average earning assets | $165,756,000 | 3,354 |
| Average equity | $18,172,800 | 3,398 |
| Average total loans | $68,629,000 | 4,732 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 6,067 |
| Cost of funding earning assets | 1.3728% | 3,756 |
| Net interest margin | 3.3164% | 5,958 |
| Noninterest income to average assets | 0.3637% | 5,246 |
| Noninterest expense to average assets | 1.8557% | 7,261 |
| Loan and lease loss provision to assets | 0.0193% | 6,857 |
| Net operating income to assets | 1.1870% | 1,631 |
| Return on assets (ROA) | 1.1870% | 1,726 |
| Pretax return on assets | 1.6565% | 1,201 |
| Return on Equity (ROE) | 11.2409% | 1,714 |
| Retained earnings to average equity (ytd only) | 7.9499% | 1,438 |
| Net charge-offs to loans | 0.1674% | 4,974 |
| Credit loss provision to net charge-offs | 29.0698% | 6,165 |
| Earnings coverage of net charge-offs (x) | 25.2334% | 1,002 |
| Efficiency ratio | 52.5476% | 6,931 |
| Assets per employee ($millions) | 4.0530% | 3,731 |
| Cash dividends to net income (ytd only)* | 29.2781% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,561 |
| Loan loss allowance to noncurrent loans | 142.0315% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 6,512 |
| Noncurrent loans to loans | 0.8348% | 5,550 |
| Net loans and leases to total assets | 38.7803% | 7,141 |
| Net loans and leases to deposits | 43.7691% | 7,249 |
| Net loans and leases to core deposits | 52.9194% | 7,011 |
| Total domestic deposits to total assets | 88.6022% | 1,622 |
| Equity capital to assets | 10.7896% | 3,178 |
| Core capital (leverage) ratio | 10.1318% | 3,118 |
| Tier 1 risk-based capital ratio | 22.0966% | 1,193 |
| Total risk-based capital ratio | 23.1140% | 1,200 |
| Memoranda: | ||
| Average total assets | $172,650,750 | 3,532 |
| Average earning assets | $164,912,250 | 3,403 |
| Average equity | $18,230,500 | 3,436 |
| Average total loans | $68,480,500 | 4,807 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 6,146 |
| Cost of funding earning assets | 1.3902% | 3,937 |
| Net interest margin | 3.3088% | 5,988 |
| Noninterest income to average assets | 0.3765% | 5,112 |
| Noninterest expense to average assets | 1.8965% | 7,270 |
| Loan and lease loss provision to assets | 0.0291% | 6,656 |
| Net operating income to assets | 1.1551% | 1,684 |
| Return on assets (ROA) | 1.1551% | 1,745 |
| Pretax return on assets | 1.6095% | 1,277 |
| Return on Equity (ROE) | 11.0204% | 1,749 |
| Retained earnings to average equity (ytd only) | 7.6943% | 1,552 |
| Net charge-offs to loans | 0.2044% | 4,391 |
| Credit loss provision to net charge-offs | 35.7143% | 5,662 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,228 |
| Efficiency ratio | 53.6489% | 6,919 |
| Assets per employee ($millions) | 4.0741% | 3,621 |
| Cash dividends to net income (ytd only)* | 30.1811% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 5,421 |
| Loan loss allowance to noncurrent loans | 93.7642% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 6,102 |
| Noncurrent loans to loans | 1.2864% | 4,811 |
| Net loans and leases to total assets | 38.6648% | 7,238 |
| Net loans and leases to deposits | 43.5402% | 7,336 |
| Net loans and leases to core deposits | 52.5921% | 7,105 |
| Total domestic deposits to total assets | 88.8027% | 1,545 |
| Equity capital to assets | 10.5934% | 3,288 |
| Core capital (leverage) ratio | 9.7958% | 3,411 |
| Tier 1 risk-based capital ratio | 21.4070% | 1,283 |
| Total risk-based capital ratio | 22.4349% | 1,290 |
| Memoranda: | ||
| Average total assets | $172,108,000 | 3,569 |
| Average earning assets | $164,290,000 | 3,438 |
| Average equity | $18,039,330 | 3,460 |
| Average total loans | $68,508,330 | 4,842 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 6,172 |
| Cost of funding earning assets | 1.4072% | 4,132 |
| Net interest margin | 3.3137% | 5,916 |
| Noninterest income to average assets | 0.4127% | 4,786 |
| Noninterest expense to average assets | 1.8901% | 7,345 |
| Loan and lease loss provision to assets | 0.0586% | 6,056 |
| Net operating income to assets | 1.1632% | 1,640 |
| Return on assets (ROA) | 1.1632% | 1,716 |
| Pretax return on assets | 1.6228% | 1,213 |
| Return on Equity (ROE) | 11.1586% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.7840% | 1,799 |
| Net charge-offs to loans | 0.2570% | 3,394 |
| Credit loss provision to net charge-offs | 56.8182% | 4,364 |
| Earnings coverage of net charge-offs (x) | 16.2955% | 1,334 |
| Efficiency ratio | 52.9219% | 7,060 |
| Assets per employee ($millions) | 4.0635% | 3,725 |
| Cash dividends to net income (ytd only)* | 30.2419% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 5,139 |
| Loan loss allowance to noncurrent loans | 143.3613% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 6,562 |
| Noncurrent loans to loans | 0.8809% | 5,555 |
| Net loans and leases to total assets | 38.1672% | 7,342 |
| Net loans and leases to deposits | 42.8293% | 7,432 |
| Net loans and leases to core deposits | 50.7021% | 7,258 |
| Total domestic deposits to total assets | 89.1147% | 1,462 |
| Equity capital to assets | 10.2718% | 3,505 |
| Core capital (leverage) ratio | 9.9452% | 3,232 |
| Tier 1 risk-based capital ratio | 21.4047% | 1,284 |
| Total risk-based capital ratio | 22.4868% | 1,279 |
| Memoranda: | ||
| Average total assets | $170,569,500 | 3,652 |
| Average earning assets | $162,597,500 | 3,515 |
| Average equity | $17,780,000 | 3,522 |
| Average total loans | $68,481,500 | 4,914 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2766% | 5,300 |
| Cost of funding earning assets | 1.6759% | 4,639 |
| Net interest margin | 3.6007% | 4,551 |
| Noninterest income to average assets | 0.3942% | 5,249 |
| Noninterest expense to average assets | 1.9629% | 7,425 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2854% | 1,057 |
| Return on assets (ROA) | 1.2884% | 1,106 |
| Pretax return on assets | 1.8582% | 562 |
| Return on Equity (ROE) | 11.9572% | 1,171 |
| Retained earnings to average equity (ytd only) | 3.4329% | 2,764 |
| Net charge-offs to loans | 0.2015% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 21.8897% | 983 |
| Efficiency ratio | 51.4276% | 7,436 |
| Assets per employee ($millions) | 3.8700% | 4,090 |
| Cash dividends to net income (ytd only)* | 71.2905% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 5,013 |
| Loan loss allowance to noncurrent loans | 129.5691% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 6,255 |
| Noncurrent loans to loans | 0.9695% | 5,375 |
| Net loans and leases to total assets | 41.1927% | 7,288 |
| Net loans and leases to deposits | 46.3554% | 7,425 |
| Net loans and leases to core deposits | 68.3164% | 6,861 |
| Total domestic deposits to total assets | 88.8629% | 1,538 |
| Equity capital to assets | 10.5836% | 3,091 |
| Core capital (leverage) ratio | 10.3646% | 2,722 |
| Tier 1 risk-based capital ratio | 21.1264% | 1,272 |
| Total risk-based capital ratio | 22.2410% | 1,265 |
| Memoranda: | ||
| Average total assets | $160,582,600 | 3,763 |
| Average earning assets | $152,636,600 | 3,662 |
| Average equity | $17,303,400 | 3,612 |
| Average total loans | $67,507,000 | 4,960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3640% | 5,118 |
| Cost of funding earning assets | 1.7236% | 4,779 |
| Net interest margin | 3.6403% | 4,322 |
| Noninterest income to average assets | 0.3888% | 5,397 |
| Noninterest expense to average assets | 1.9699% | 7,440 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3281% | 1,163 |
| Return on assets (ROA) | 1.3281% | 1,229 |
| Pretax return on assets | 1.8785% | 686 |
| Return on Equity (ROE) | 12.2678% | 1,294 |
| Retained earnings to average equity (ytd only) | 8.7848% | 898 |
| Net charge-offs to loans | 0.2128% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 20.9537% | 1,220 |
| Efficiency ratio | 51.1866% | 7,472 |
| Assets per employee ($millions) | 3.5738% | 4,748 |
| Cash dividends to net income (ytd only)* | 28.3914% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,289 |
| Loan loss allowance to noncurrent loans | 232.8165% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 6,643 |
| Noncurrent loans to loans | 0.5732% | 6,171 |
| Net loans and leases to total assets | 43.3509% | 7,289 |
| Net loans and leases to deposits | 49.5611% | 7,429 |
| Net loans and leases to core deposits | 70.9989% | 6,910 |
| Total domestic deposits to total assets | 87.4696% | 1,904 |
| Equity capital to assets | 11.7873% | 2,366 |
| Core capital (leverage) ratio | 10.8204% | 2,548 |
| Tier 1 risk-based capital ratio | 23.2744% | 1,072 |
| Total risk-based capital ratio | 24.5030% | 1,049 |
| Memoranda: | ||
| Average total assets | $159,126,250 | 3,812 |
| Average earning assets | $151,227,500 | 3,701 |
| Average equity | $17,226,250 | 3,657 |
| Average total loans | $67,028,750 | 5,018 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3282% | 5,509 |
| Cost of funding earning assets | 1.7591% | 4,950 |
| Net interest margin | 3.5692% | 4,500 |
| Noninterest income to average assets | 0.3840% | 5,429 |
| Noninterest expense to average assets | 1.9560% | 7,546 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2849% | 1,263 |
| Return on assets (ROA) | 1.2849% | 1,353 |
| Pretax return on assets | 1.8168% | 821 |
| Return on Equity (ROE) | 12.2148% | 1,359 |
| Retained earnings to average equity (ytd only) | 8.6708% | 1,017 |
| Net charge-offs to loans | 0.1555% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 28.1154% | 1,042 |
| Efficiency ratio | 51.8445% | 7,529 |
| Assets per employee ($millions) | 3.6862% | 4,362 |
| Cash dividends to net income (ytd only)* | 29.0135% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 3,604 |
| Loan loss allowance to noncurrent loans | 147.9876% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 6,187 |
| Noncurrent loans to loans | 0.9621% | 5,298 |
| Net loans and leases to total assets | 41.7568% | 7,461 |
| Net loans and leases to deposits | 47.1636% | 7,589 |
| Net loans and leases to core deposits | 65.6689% | 7,229 |
| Total domestic deposits to total assets | 88.5361% | 1,512 |
| Equity capital to assets | 10.9523% | 2,963 |
| Core capital (leverage) ratio | 10.4615% | 2,847 |
| Tier 1 risk-based capital ratio | 22.3626% | 1,204 |
| Total risk-based capital ratio | 23.4762% | 1,192 |
| Memoranda: | ||
| Average total assets | $160,943,670 | 3,807 |
| Average earning assets | $152,809,000 | 3,690 |
| Average equity | $16,930,330 | 3,724 |
| Average total loans | $66,865,000 | 5,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 5,682 |
| Cost of funding earning assets | 1.8371% | 4,931 |
| Net interest margin | 3.5077% | 4,699 |
| Noninterest income to average assets | 0.3675% | 5,487 |
| Noninterest expense to average assets | 1.9191% | 7,515 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2555% | 1,491 |
| Return on assets (ROA) | 1.2555% | 1,591 |
| Pretax return on assets | 1.7735% | 1,033 |
| Return on Equity (ROE) | 12.1803% | 1,608 |
| Retained earnings to average equity (ytd only) | 8.5908% | 1,603 |
| Net charge-offs to loans | 0.2098% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.5429% | 1,367 |
| Efficiency ratio | 51.9706% | 7,427 |
| Assets per employee ($millions) | 3.6833% | 4,370 |
| Cash dividends to net income (ytd only)* | 29.4695% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 3,180 |
| Loan loss allowance to noncurrent loans | 135.8939% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 5,751 |
| Noncurrent loans to loans | 1.0738% | 4,832 |
| Net loans and leases to total assets | 41.4851% | 7,497 |
| Net loans and leases to deposits | 46.8208% | 7,631 |
| Net loans and leases to core deposits | 66.4002% | 7,222 |
| Total domestic deposits to total assets | 88.6041% | 1,421 |
| Equity capital to assets | 10.7910% | 3,196 |
| Core capital (leverage) ratio | 10.0084% | 3,402 |
| Tier 1 risk-based capital ratio | 21.9068% | 1,313 |
| Total risk-based capital ratio | 23.1573% | 1,282 |
| Memoranda: | ||
| Average total assets | $162,162,500 | 3,791 |
| Average earning assets | $153,719,000 | 3,686 |
| Average equity | $16,715,500 | 3,788 |
| Average total loans | $66,726,000 | 5,105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5509% | 7,193 |
| Cost of funding earning assets | 2.6169% | 3,594 |
| Net interest margin | 2.9340% | 7,069 |
| Noninterest income to average assets | 0.4280% | 5,226 |
| Noninterest expense to average assets | 1.6907% | 7,878 |
| Loan and lease loss provision to assets | 0.0467% | 6,834 |
| Net operating income to assets | 1.0695% | 2,260 |
| Return on assets (ROA) | 1.0695% | 2,174 |
| Pretax return on assets | 1.4710% | 1,763 |
| Return on Equity (ROE) | 10.8860% | 1,941 |
| Retained earnings to average equity (ytd only) | 4.4598% | 2,355 |
| Net charge-offs to loans | 0.2057% | 4,151 |
| Credit loss provision to net charge-offs | 55.2239% | 6,289 |
| Earnings coverage of net charge-offs (x) | 17.9403% | 1,733 |
| Efficiency ratio | 52.6958% | 7,414 |
| Assets per employee ($millions) | 3.8591% | 3,833 |
| Cash dividends to net income (ytd only)* | 59.0319% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 2,628 |
| Loan loss allowance to noncurrent loans | 100.4985% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 5,043 |
| Noncurrent loans to loans | 1.5021% | 3,543 |
| Net loans and leases to total assets | 39.6317% | 7,690 |
| Net loans and leases to deposits | 44.1223% | 7,845 |
| Net loans and leases to core deposits | 61.2204% | 7,531 |
| Total domestic deposits to total assets | 89.8224% | 719 |
| Equity capital to assets | 9.8468% | 4,229 |
| Core capital (leverage) ratio | 10.0315% | 3,417 |
| Tier 1 risk-based capital ratio | 20.8927% | 1,468 |
| Total risk-based capital ratio | 22.1437% | 1,441 |
| Memoranda: | ||
| Average total assets | $158,393,200 | 3,750 |
| Average earning assets | $150,101,200 | 3,657 |
| Average equity | $15,561,200 | 4,012 |
| Average total loans | $65,134,000 | 5,053 |