Home > South Ottumwa Savings Bank > Performance and Condition Ratios
South Ottumwa Savings 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 | 3.9450% | 4,036 |
| Cost of funding earning assets | 1.0671% | 3,154 |
| Net interest margin | 2.8779% | 3,527 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.9917% | 3,656 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0737% | 1,997 |
| Return on assets (ROA) | 1.0417% | 2,067 |
| Pretax return on assets | 1.0931% | 2,426 |
| Return on Equity (ROE) | 9.5700% | 2,620 |
| Retained earnings to average equity (ytd only) | 4.0795% | 2,933 |
| Net charge-offs to loans | 0.0285% | 1,734 |
| Credit loss provision to net charge-offs | 236.4706% | 1,112 |
| Earnings coverage of net charge-offs (x) | 75.7529% | 1,059 |
| Efficiency ratio | 62.3740% | 2,795 |
| Assets per employee ($millions) | 7.3972% | 1,809 |
| Cash dividends to net income (ytd only)* | 57.3708% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 2,874 |
| Loan loss allowance to noncurrent loans | 207.9951% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 1,765 |
| Noncurrent loans to loans | 0.5257% | 1,475 |
| Net loans and leases to total assets | 55.8900% | 3,204 |
| Net loans and leases to deposits | 66.2356% | 3,158 |
| Net loans and leases to core deposits | 72.1647% | 3,179 |
| Total domestic deposits to total assets | 84.3800% | 2,508 |
| Equity capital to assets | 11.8384% | 1,188 |
| Core capital (leverage) ratio | 11.8162% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1139% | 896 |
| Memoranda: | ||
| Average total assets | $553,541,600 | 1,603 |
| Average earning assets | $509,430,000 | 1,604 |
| Average equity | $60,252,600 | 1,394 |
| Average total loans | $298,313,000 | 1,798 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 4,034 |
| Cost of funding earning assets | 0.9586% | 3,137 |
| Net interest margin | 2.9163% | 3,505 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.9850% | 3,631 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.1086% | 2,028 |
| Return on assets (ROA) | 1.0641% | 2,163 |
| Pretax return on assets | 1.1172% | 2,520 |
| Return on Equity (ROE) | 9.9900% | 2,636 |
| Retained earnings to average equity (ytd only) | 5.0116% | 2,925 |
| Net charge-offs to loans | 0.0221% | 1,656 |
| Credit loss provision to net charge-offs | 328.5714% | 832 |
| Earnings coverage of net charge-offs (x) | 102.1837% | 908 |
| Efficiency ratio | 61.5101% | 2,782 |
| Assets per employee ($millions) | 7.0803% | 1,898 |
| Cash dividends to net income (ytd only)* | 49.8420% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,781 |
| Loan loss allowance to noncurrent loans | 582.5862% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 2,858 |
| Noncurrent loans to loans | 0.1916% | 2,593 |
| Net loans and leases to total assets | 55.6200% | 3,233 |
| Net loans and leases to deposits | 65.9344% | 3,129 |
| Net loans and leases to core deposits | 72.1702% | 3,096 |
| Total domestic deposits to total assets | 84.3600% | 2,673 |
| Equity capital to assets | 10.7980% | 1,434 |
| Core capital (leverage) ratio | 11.7550% | 1,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1679% | 926 |
| Memoranda: | ||
| Average total assets | $555,078,000 | 1,594 |
| Average earning assets | $510,458,250 | 1,598 |
| Average equity | $59,115,000 | 1,400 |
| Average total loans | $295,564,500 | 1,808 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,078 |
| Cost of funding earning assets | 0.8524% | 3,067 |
| Net interest margin | 2.9004% | 3,644 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.9560% | 3,700 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1024% | 2,121 |
| Return on assets (ROA) | 1.0800% | 2,172 |
| Pretax return on assets | 1.1339% | 2,549 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 4.6727% | 3,035 |
| Net charge-offs to loans | 0.0314% | 1,261 |
| Credit loss provision to net charge-offs | 263.0435% | 929 |
| Earnings coverage of net charge-offs (x) | 73.1739% | 1,095 |
| Efficiency ratio | 61.1977% | 2,819 |
| Assets per employee ($millions) | 7.6149% | 1,531 |
| Cash dividends to net income (ytd only)* | 54.1281% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 2,912 |
| Loan loss allowance to noncurrent loans | 688.8660% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 2,931 |
| Noncurrent loans to loans | 0.1611% | 2,673 |
| Net loans and leases to total assets | 52.8300% | 3,348 |
| Net loans and leases to deposits | 61.6663% | 3,329 |
| Net loans and leases to core deposits | 66.5934% | 3,319 |
| Total domestic deposits to total assets | 85.6600% | 2,343 |
| Equity capital to assets | 10.5792% | 1,557 |
| Core capital (leverage) ratio | 11.3656% | 1,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8183% | 988 |
| Memoranda: | ||
| Average total assets | $560,737,000 | 1,578 |
| Average earning assets | $516,203,000 | 1,581 |
| Average equity | $59,452,000 | 1,396 |
| Average total loans | $293,189,667 | 1,811 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 4,103 |
| Cost of funding earning assets | 0.6989% | 3,058 |
| Net interest margin | 2.9494% | 3,699 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.9744% | 3,678 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1315% | 2,123 |
| Return on assets (ROA) | 1.0841% | 2,246 |
| Pretax return on assets | 1.1334% | 2,613 |
| Return on Equity (ROE) | 10.2100% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.0048% | 3,503 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.2034% | 2,791 |
| Assets per employee ($millions) | 7.2558% | 1,780 |
| Cash dividends to net income (ytd only)* | 70.5805% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,906 |
| Loan loss allowance to noncurrent loans | 1,029.5950% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,204 |
| Noncurrent loans to loans | 0.1097% | 2,976 |
| Net loans and leases to total assets | 52.4700% | 3,316 |
| Net loans and leases to deposits | 61.5188% | 3,260 |
| Net loans and leases to core deposits | 66.4870% | 3,190 |
| Total domestic deposits to total assets | 85.2800% | 2,785 |
| Equity capital to assets | 10.9795% | 1,348 |
| Core capital (leverage) ratio | 11.3543% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8555% | 1,016 |
| Memoranda: | ||
| Average total assets | $559,355,000 | 1,599 |
| Average earning assets | $515,081,500 | 1,606 |
| Average equity | $59,371,000 | 1,405 |
| Average total loans | $289,278,000 | 1,841 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2686% | 3,666 |
| Cost of funding earning assets | 0.3803% | 2,256 |
| Net interest margin | 2.8883% | 3,707 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 1.8691% | 3,895 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4028% | 1,124 |
| Return on assets (ROA) | 1.4245% | 1,029 |
| Pretax return on assets | 1.4960% | 1,466 |
| Return on Equity (ROE) | 13.5200% | 1,649 |
| Retained earnings to average equity (ytd only) | 8.8215% | 1,533 |
| Net charge-offs to loans | 0.0106% | 1,979 |
| Credit loss provision to net charge-offs | 620.6897% | 588 |
| Earnings coverage of net charge-offs (x) | 298.3448% | 490 |
| Efficiency ratio | 54.6209% | 3,733 |
| Assets per employee ($millions) | 7.5636% | 1,575 |
| Cash dividends to net income (ytd only)* | 34.7534% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,027 |
| Loan loss allowance to noncurrent loans | 1,070.2941% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,206 |
| Noncurrent loans to loans | 0.1189% | 2,928 |
| Net loans and leases to total assets | 49.7600% | 3,522 |
| Net loans and leases to deposits | 58.4984% | 3,420 |
| Net loans and leases to core deposits | 62.9994% | 3,326 |
| Total domestic deposits to total assets | 85.0700% | 2,978 |
| Equity capital to assets | 10.2591% | 1,578 |
| Core capital (leverage) ratio | 10.9150% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7238% | 1,022 |
| Memoranda: | ||
| Average total assets | $575,085,800 | 1,553 |
| Average earning assets | $529,062,000 | 1,553 |
| Average equity | $60,590,600 | 1,387 |
| Average total loans | $274,487,200 | 1,840 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1637% | 3,526 |
| Cost of funding earning assets | 0.3230% | 1,934 |
| Net interest margin | 2.8408% | 3,650 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 1.8630% | 3,838 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4309% | 1,006 |
| Return on assets (ROA) | 1.4612% | 911 |
| Pretax return on assets | 1.5342% | 1,309 |
| Return on Equity (ROE) | 13.7800% | 1,488 |
| Retained earnings to average equity (ytd only) | 8.8162% | 1,721 |
| Net charge-offs to loans | 0.0133% | 1,626 |
| Credit loss provision to net charge-offs | 666.6667% | 525 |
| Earnings coverage of net charge-offs (x) | 247.4815% | 541 |
| Efficiency ratio | 53.9030% | 3,828 |
| Assets per employee ($millions) | 7.3154% | 1,737 |
| Cash dividends to net income (ytd only)* | 36.0215% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,144 |
| Loan loss allowance to noncurrent loans | 1,008.5873% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,249 |
| Noncurrent loans to loans | 0.1265% | 3,005 |
| Net loans and leases to total assets | 50.0000% | 3,460 |
| Net loans and leases to deposits | 57.6200% | 3,369 |
| Net loans and leases to core deposits | 61.8252% | 3,248 |
| Total domestic deposits to total assets | 86.7700% | 2,833 |
| Equity capital to assets | 9.3856% | 1,960 |
| Core capital (leverage) ratio | 10.7084% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0910% | 1,157 |
| Memoranda: | ||
| Average total assets | $577,039,500 | 1,557 |
| Average earning assets | $530,498,750 | 1,564 |
| Average equity | $61,189,000 | 1,400 |
| Average total loans | $271,625,750 | 1,849 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0426% | 3,448 |
| Cost of funding earning assets | 0.3009% | 1,704 |
| Net interest margin | 2.7417% | 3,599 |
| Noninterest income to average assets | 0.9597% | 734 |
| Noninterest expense to average assets | 1.8328% | 3,883 |
| Loan and lease loss provision to assets | 0.0413% | 1,836 |
| Net operating income to assets | 1.5315% | 650 |
| Return on assets (ROA) | 1.5756% | 571 |
| Pretax return on assets | 1.6540% | 840 |
| Return on Equity (ROE) | 14.3271% | 1,038 |
| Retained earnings to average equity (ytd only) | 8.9865% | 1,291 |
| Net charge-offs to loans | 0.0075% | 1,720 |
| Credit loss provision to net charge-offs | 1,200.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 479.5000% | 267 |
| Efficiency ratio | 51.8617% | 4,135 |
| Assets per employee ($millions) | 7.1959% | 1,810 |
| Cash dividends to net income (ytd only)* | 37.2763% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,039 |
| Loan loss allowance to noncurrent loans | 772.1030% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 3,160 |
| Noncurrent loans to loans | 0.1725% | 2,831 |
| Net loans and leases to total assets | 46.8859% | 3,637 |
| Net loans and leases to deposits | 54.4526% | 3,509 |
| Net loans and leases to core deposits | 58.8849% | 3,354 |
| Total domestic deposits to total assets | 86.1041% | 3,221 |
| Equity capital to assets | 9.5749% | 1,954 |
| Core capital (leverage) ratio | 10.2190% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7340% | 1,243 |
| Memoranda: | ||
| Average total assets | $581,624,000 | 1,540 |
| Average earning assets | $534,996,000 | 1,569 |
| Average equity | $63,962,667 | 1,375 |
| Average total loans | $267,077,000 | 1,865 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9277% | 3,464 |
| Cost of funding earning assets | 0.2937% | 1,715 |
| Net interest margin | 2.6339% | 3,573 |
| Noninterest income to average assets | 1.4424% | 369 |
| Noninterest expense to average assets | 1.8082% | 3,922 |
| Loan and lease loss provision to assets | 0.0408% | 1,623 |
| Net operating income to assets | 1.9211% | 256 |
| Return on assets (ROA) | 2.0102% | 217 |
| Pretax return on assets | 2.1081% | 296 |
| Return on Equity (ROE) | 17.2039% | 402 |
| Retained earnings to average equity (ytd only) | 13.8923% | 387 |
| Net charge-offs to loans | 0.0015% | 1,783 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 3,022.0000% | 16 |
| Efficiency ratio | 46.1010% | 4,492 |
| Assets per employee ($millions) | 7.5000% | 1,683 |
| Cash dividends to net income (ytd only)* | 19.2490% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,078 |
| Loan loss allowance to noncurrent loans | 454.1613% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 2,872 |
| Noncurrent loans to loans | 0.2991% | 2,398 |
| Net loans and leases to total assets | 43.4772% | 3,782 |
| Net loans and leases to deposits | 51.2526% | 3,629 |
| Net loans and leases to core deposits | 55.4619% | 3,494 |
| Total domestic deposits to total assets | 84.8293% | 3,579 |
| Equity capital to assets | 10.9201% | 1,373 |
| Core capital (leverage) ratio | 10.4410% | 1,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1116% | 1,229 |
| Memoranda: | ||
| Average total assets | $588,198,000 | 1,534 |
| Average earning assets | $540,634,500 | 1,562 |
| Average equity | $68,728,500 | 1,349 |
| Average total loans | $265,549,000 | 1,858 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4957% | 2,675 |
| Cost of funding earning assets | 0.3927% | 1,596 |
| Net interest margin | 3.1029% | 2,893 |
| Noninterest income to average assets | 0.4036% | 3,029 |
| Noninterest expense to average assets | 1.8382% | 4,073 |
| Loan and lease loss provision to assets | 0.0634% | 1,806 |
| Net operating income to assets | 1.2978% | 1,606 |
| Return on assets (ROA) | 1.3503% | 1,480 |
| Pretax return on assets | 1.4177% | 1,991 |
| Return on Equity (ROE) | 10.5179% | 2,339 |
| Retained earnings to average equity (ytd only) | 4.6530% | 2,945 |
| Net charge-offs to loans | -0.0008% | 3,259 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0283% | 3,815 |
| Assets per employee ($millions) | 7.5831% | 1,564 |
| Cash dividends to net income (ytd only)* | 55.7612% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,396 |
| Loan loss allowance to noncurrent loans | 327.2045% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,658 |
| Noncurrent loans to loans | 0.3949% | 2,175 |
| Net loans and leases to total assets | 45.6349% | 3,719 |
| Net loans and leases to deposits | 55.2261% | 3,494 |
| Net loans and leases to core deposits | 59.8601% | 3,324 |
| Total domestic deposits to total assets | 82.6330% | 3,876 |
| Equity capital to assets | 12.4604% | 1,073 |
| Core capital (leverage) ratio | 10.0563% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6322% | 1,355 |
| Memoranda: | ||
| Average total assets | $568,163,400 | 1,518 |
| Average earning assets | $523,762,600 | 1,537 |
| Average equity | $72,942,400 | 1,306 |
| Average total loans | $265,716,000 | 1,855 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5751% | 2,622 |
| Cost of funding earning assets | 0.4145% | 1,589 |
| Net interest margin | 3.1606% | 2,855 |
| Noninterest income to average assets | 0.3998% | 3,082 |
| Noninterest expense to average assets | 1.8392% | 4,084 |
| Loan and lease loss provision to assets | 0.0638% | 1,720 |
| Net operating income to assets | 1.3415% | 1,714 |
| Return on assets (ROA) | 1.4081% | 1,573 |
| Pretax return on assets | 1.4786% | 2,052 |
| Return on Equity (ROE) | 10.8854% | 2,404 |
| Retained earnings to average equity (ytd only) | 7.7654% | 2,130 |
| Net charge-offs to loans | 0.0116% | 1,898 |
| Credit loss provision to net charge-offs | 1,173.9130% | 472 |
| Earnings coverage of net charge-offs (x) | 270.8696% | 460 |
| Efficiency ratio | 54.2354% | 3,776 |
| Assets per employee ($millions) | 7.2697% | 1,701 |
| Cash dividends to net income (ytd only)* | 28.6625% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 2,675 |
| Loan loss allowance to noncurrent loans | 358.8298% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 3,000 |
| Noncurrent loans to loans | 0.3515% | 2,519 |
| Net loans and leases to total assets | 47.1664% | 3,694 |
| Net loans and leases to deposits | 57.7718% | 3,427 |
| Net loans and leases to core deposits | 63.5349% | 3,179 |
| Total domestic deposits to total assets | 81.6426% | 3,991 |
| Equity capital to assets | 13.4547% | 867 |
| Core capital (leverage) ratio | 10.5387% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5397% | 1,241 |
| Memoranda: | ||
| Average total assets | $564,229,500 | 1,543 |
| Average earning assets | $519,767,500 | 1,553 |
| Average equity | $72,989,000 | 1,321 |
| Average total loans | $264,657,500 | 1,887 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 2,945 |
| Cost of funding earning assets | 0.4349% | 1,616 |
| Net interest margin | 3.0435% | 3,198 |
| Noninterest income to average assets | 0.3910% | 3,148 |
| Noninterest expense to average assets | 1.8253% | 4,129 |
| Loan and lease loss provision to assets | 0.0636% | 1,765 |
| Net operating income to assets | 1.2456% | 2,036 |
| Return on assets (ROA) | 1.3222% | 1,862 |
| Pretax return on assets | 1.3883% | 2,369 |
| Return on Equity (ROE) | 10.3582% | 2,634 |
| Retained earnings to average equity (ytd only) | 7.2036% | 2,357 |
| Net charge-offs to loans | 0.0061% | 1,927 |
| Credit loss provision to net charge-offs | 2,250.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 484.8750% | 270 |
| Efficiency ratio | 55.7399% | 3,578 |
| Assets per employee ($millions) | 7.2278% | 1,645 |
| Cash dividends to net income (ytd only)* | 30.4545% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 2,564 |
| Loan loss allowance to noncurrent loans | 372.3476% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 3,226 |
| Noncurrent loans to loans | 0.3422% | 2,682 |
| Net loans and leases to total assets | 44.7690% | 3,992 |
| Net loans and leases to deposits | 54.7995% | 3,810 |
| Net loans and leases to core deposits | 60.1648% | 3,607 |
| Total domestic deposits to total assets | 81.6961% | 3,976 |
| Equity capital to assets | 12.8571% | 994 |
| Core capital (leverage) ratio | 9.9738% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5903% | 1,211 |
| Memoranda: | ||
| Average total assets | $565,716,333 | 1,535 |
| Average earning assets | $521,505,667 | 1,546 |
| Average equity | $72,213,667 | 1,322 |
| Average total loans | $263,744,667 | 1,903 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4660% | 3,021 |
| Cost of funding earning assets | 0.4627% | 1,636 |
| Net interest margin | 3.0034% | 3,246 |
| Noninterest income to average assets | 0.3779% | 3,207 |
| Noninterest expense to average assets | 1.8328% | 4,145 |
| Loan and lease loss provision to assets | 0.0639% | 1,861 |
| Net operating income to assets | 1.1890% | 2,190 |
| Return on assets (ROA) | 1.3206% | 1,844 |
| Pretax return on assets | 1.3867% | 2,316 |
| Return on Equity (ROE) | 10.3834% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.2053% | 2,507 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8782% | 3,442 |
| Assets per employee ($millions) | 7.1739% | 1,667 |
| Cash dividends to net income (ytd only)* | 30.6079% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,796 |
| Loan loss allowance to noncurrent loans | 352.3549% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,354 |
| Noncurrent loans to loans | 0.3475% | 2,847 |
| Net loans and leases to total assets | 45.7963% | 3,971 |
| Net loans and leases to deposits | 56.3971% | 3,764 |
| Net loans and leases to core deposits | 61.9855% | 3,570 |
| Total domestic deposits to total assets | 81.2033% | 4,029 |
| Equity capital to assets | 12.6010% | 1,044 |
| Core capital (leverage) ratio | 10.0993% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2890% | 1,221 |
| Memoranda: | ||
| Average total assets | $563,078,000 | 1,532 |
| Average earning assets | $518,748,000 | 1,540 |
| Average equity | $71,614,000 | 1,326 |
| Average total loans | $266,153,500 | 1,892 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 3,015 |
| Cost of funding earning assets | 0.7006% | 1,714 |
| Net interest margin | 3.2024% | 3,358 |
| Noninterest income to average assets | 0.4364% | 2,928 |
| Noninterest expense to average assets | 1.9913% | 4,153 |
| Loan and lease loss provision to assets | 0.0874% | 3,270 |
| Net operating income to assets | 1.2316% | 1,443 |
| Return on assets (ROA) | 1.2434% | 1,509 |
| Pretax return on assets | 1.3053% | 1,958 |
| Return on Equity (ROE) | 9.5414% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.4720% | 2,551 |
| Net charge-offs to loans | 0.0968% | 1,500 |
| Credit loss provision to net charge-offs | 171.7557% | 2,308 |
| Earnings coverage of net charge-offs (x) | 27.1374% | 1,693 |
| Efficiency ratio | 57.6520% | 3,776 |
| Assets per employee ($millions) | 7.0812% | 1,527 |
| Cash dividends to net income (ytd only)* | 53.1304% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,165 |
| Loan loss allowance to noncurrent loans | 381.6850% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 3,553 |
| Noncurrent loans to loans | 0.3038% | 3,111 |
| Net loans and leases to total assets | 47.6243% | 4,000 |
| Net loans and leases to deposits | 59.4592% | 3,801 |
| Net loans and leases to core deposits | 65.8529% | 3,552 |
| Total domestic deposits to total assets | 80.0958% | 4,027 |
| Equity capital to assets | 12.8372% | 1,161 |
| Core capital (leverage) ratio | 9.9129% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3222% | 1,438 |
| Memoranda: | ||
| Average total assets | $515,132,800 | 1,501 |
| Average earning assets | $472,139,600 | 1,529 |
| Average equity | $67,128,400 | 1,340 |
| Average total loans | $270,524,600 | 1,825 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,939 |
| Cost of funding earning assets | 0.7582% | 1,687 |
| Net interest margin | 3.2522% | 3,326 |
| Noninterest income to average assets | 0.4097% | 3,028 |
| Noninterest expense to average assets | 2.0336% | 4,082 |
| Loan and lease loss provision to assets | 0.0952% | 3,127 |
| Net operating income to assets | 1.1972% | 1,642 |
| Return on assets (ROA) | 1.2120% | 1,730 |
| Pretax return on assets | 1.2726% | 2,149 |
| Return on Equity (ROE) | 9.2623% | 2,299 |
| Retained earnings to average equity (ytd only) | 5.8602% | 2,165 |
| Net charge-offs to loans | 0.1743% | 849 |
| Credit loss provision to net charge-offs | 101.6949% | 2,611 |
| Earnings coverage of net charge-offs (x) | 14.4407% | 2,157 |
| Efficiency ratio | 58.6484% | 3,577 |
| Assets per employee ($millions) | 6.9535% | 1,538 |
| Cash dividends to net income (ytd only)* | 36.7307% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,604 |
| Loan loss allowance to noncurrent loans | 223.7082% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 3,205 |
| Noncurrent loans to loans | 0.4570% | 2,678 |
| Net loans and leases to total assets | 53.2342% | 3,868 |
| Net loans and leases to deposits | 67.0709% | 3,542 |
| Net loans and leases to core deposits | 74.8104% | 3,254 |
| Total domestic deposits to total assets | 79.3701% | 3,989 |
| Equity capital to assets | 13.3129% | 1,063 |
| Core capital (leverage) ratio | 10.0259% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8334% | 1,293 |
| Memoranda: | ||
| Average total assets | $504,062,500 | 1,516 |
| Average earning assets | $461,251,500 | 1,539 |
| Average equity | $65,957,250 | 1,345 |
| Average total loans | $270,770,000 | 1,816 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 3,114 |
| Cost of funding earning assets | 0.8245% | 1,707 |
| Net interest margin | 3.2489% | 3,530 |
| Noninterest income to average assets | 0.3955% | 3,112 |
| Noninterest expense to average assets | 2.0117% | 4,212 |
| Loan and lease loss provision to assets | 0.1094% | 2,916 |
| Net operating income to assets | 1.1912% | 1,666 |
| Return on assets (ROA) | 1.2139% | 1,721 |
| Pretax return on assets | 1.2743% | 2,114 |
| Return on Equity (ROE) | 9.3358% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.8645% | 2,137 |
| Net charge-offs to loans | 0.2520% | 625 |
| Credit loss provision to net charge-offs | 80.8383% | 2,503 |
| Earnings coverage of net charge-offs (x) | 10.0479% | 2,179 |
| Efficiency ratio | 58.2742% | 3,657 |
| Assets per employee ($millions) | 6.7328% | 1,603 |
| Cash dividends to net income (ytd only)* | 37.1829% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,703 |
| Loan loss allowance to noncurrent loans | 198.8927% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 3,275 |
| Noncurrent loans to loans | 0.4885% | 2,688 |
| Net loans and leases to total assets | 52.4162% | 4,003 |
| Net loans and leases to deposits | 65.0873% | 3,801 |
| Net loans and leases to core deposits | 74.1022% | 3,453 |
| Total domestic deposits to total assets | 80.5322% | 3,718 |
| Equity capital to assets | 12.4543% | 1,397 |
| Core capital (leverage) ratio | 9.8646% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8665% | 1,528 |
| Memoranda: | ||
| Average total assets | $493,609,667 | 1,515 |
| Average earning assets | $452,152,000 | 1,535 |
| Average equity | $64,183,000 | 1,364 |
| Average total loans | $265,036,333 | 1,815 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 3,475 |
| Cost of funding earning assets | 0.9480% | 1,652 |
| Net interest margin | 3.1691% | 3,934 |
| Noninterest income to average assets | 0.4165% | 2,992 |
| Noninterest expense to average assets | 2.0494% | 4,312 |
| Loan and lease loss provision to assets | 0.0217% | 3,533 |
| Net operating income to assets | 1.1914% | 1,543 |
| Return on assets (ROA) | 1.1922% | 1,658 |
| Pretax return on assets | 1.2468% | 2,043 |
| Return on Equity (ROE) | 8.9401% | 2,137 |
| Retained earnings to average equity (ytd only) | 5.3159% | 2,149 |
| Net charge-offs to loans | -0.0048% | 3,860 |
| Credit loss provision to net charge-offs | -833.3333% | 3,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4761% | 3,676 |
| Assets per employee ($millions) | 6.3929% | 1,407 |
| Cash dividends to net income (ytd only)* | 40.5386% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,458 |
| Loan loss allowance to noncurrent loans | 281.9392% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 3,657 |
| Noncurrent loans to loans | 0.3715% | 3,155 |
| Net loans and leases to total assets | 54.7942% | 3,925 |
| Net loans and leases to deposits | 68.4629% | 3,699 |
| Net loans and leases to core deposits | 79.6947% | 3,223 |
| Total domestic deposits to total assets | 80.0349% | 3,852 |
| Equity capital to assets | 12.1493% | 1,962 |
| Core capital (leverage) ratio | 9.9912% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4422% | 1,494 |
| Memoranda: | ||
| Average total assets | $461,002,000 | 1,565 |
| Average earning assets | $421,951,000 | 1,594 |
| Average equity | $61,475,500 | 1,393 |
| Average total loans | $249,660,000 | 1,860 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 4,220 |
| Cost of funding earning assets | 1.0303% | 1,596 |
| Net interest margin | 2.9863% | 4,531 |
| Noninterest income to average assets | 0.4280% | 3,118 |
| Noninterest expense to average assets | 1.8662% | 4,698 |
| Loan and lease loss provision to assets | 0.0147% | 3,722 |
| Net operating income to assets | 1.2535% | 1,861 |
| Return on assets (ROA) | 1.4523% | 1,238 |
| Pretax return on assets | 1.5210% | 1,742 |
| Return on Equity (ROE) | 10.4160% | 2,114 |
| Retained earnings to average equity (ytd only) | 5.6364% | 2,074 |
| Net charge-offs to loans | 0.0204% | 3,010 |
| Credit loss provision to net charge-offs | 136.3636% | 1,881 |
| Earnings coverage of net charge-offs (x) | 123.3864% | 575 |
| Efficiency ratio | 57.9201% | 3,977 |
| Assets per employee ($millions) | 6.7308% | 1,161 |
| Cash dividends to net income (ytd only)* | 45.8873% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 1,677 |
| Loan loss allowance to noncurrent loans | 365.8780% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 3,678 |
| Noncurrent loans to loans | 0.3716% | 3,111 |
| Net loans and leases to total assets | 51.9229% | 4,231 |
| Net loans and leases to deposits | 68.1128% | 3,812 |
| Net loans and leases to core deposits | 80.2327% | 3,277 |
| Total domestic deposits to total assets | 76.2307% | 4,576 |
| Equity capital to assets | 14.8124% | 841 |
| Core capital (leverage) ratio | 13.5320% | 1,044 |
| Tier 1 risk-based capital ratio | 21.4012% | 1,098 |
| Total risk-based capital ratio | 22.5611% | 1,095 |
| Memoranda: | ||
| Average total assets | $409,336,800 | 1,716 |
| Average earning assets | $378,925,200 | 1,716 |
| Average equity | $57,075,400 | 1,426 |
| Average total loans | $215,568,600 | 2,051 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 4,305 |
| Cost of funding earning assets | 1.0431% | 1,569 |
| Net interest margin | 2.9846% | 4,641 |
| Noninterest income to average assets | 0.4313% | 3,134 |
| Noninterest expense to average assets | 1.8831% | 4,720 |
| Loan and lease loss provision to assets | 0.0147% | 3,615 |
| Net operating income to assets | 1.2384% | 2,060 |
| Return on assets (ROA) | 1.2328% | 2,162 |
| Pretax return on assets | 1.2912% | 2,696 |
| Return on Equity (ROE) | 8.9820% | 2,898 |
| Retained earnings to average equity (ytd only) | 5.0135% | 2,884 |
| Net charge-offs to loans | 0.0291% | 2,511 |
| Credit loss provision to net charge-offs | 95.7447% | 2,333 |
| Earnings coverage of net charge-offs (x) | 85.6103% | 821 |
| Efficiency ratio | 58.4124% | 3,874 |
| Assets per employee ($millions) | 6.3585% | 1,356 |
| Cash dividends to net income (ytd only)* | 44.1829% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 1,888 |
| Loan loss allowance to noncurrent loans | 308.9947% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 3,577 |
| Noncurrent loans to loans | 0.4268% | 3,027 |
| Net loans and leases to total assets | 55.4209% | 4,083 |
| Net loans and leases to deposits | 73.3044% | 3,533 |
| Net loans and leases to core deposits | 85.8213% | 2,923 |
| Total domestic deposits to total assets | 75.6038% | 4,684 |
| Equity capital to assets | 15.0693% | 833 |
| Core capital (leverage) ratio | 13.4903% | 1,138 |
| Tier 1 risk-based capital ratio | 21.5129% | 1,130 |
| Total risk-based capital ratio | 22.6965% | 1,112 |
| Memoranda: | ||
| Average total assets | $409,027,000 | 1,724 |
| Average earning assets | $378,732,000 | 1,726 |
| Average equity | $56,140,250 | 1,438 |
| Average total loans | $215,430,500 | 2,071 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 4,410 |
| Cost of funding earning assets | 1.0503% | 1,496 |
| Net interest margin | 2.9353% | 4,777 |
| Noninterest income to average assets | 0.4131% | 3,183 |
| Noninterest expense to average assets | 1.8789% | 4,780 |
| Loan and lease loss provision to assets | 0.0145% | 3,488 |
| Net operating income to assets | 1.1819% | 2,215 |
| Return on assets (ROA) | 1.1668% | 2,347 |
| Pretax return on assets | 1.2219% | 2,837 |
| Return on Equity (ROE) | 8.7736% | 2,945 |
| Retained earnings to average equity (ytd only) | 4.7265% | 2,902 |
| Net charge-offs to loans | 0.0094% | 2,799 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 259.2000% | 313 |
| Efficiency ratio | 59.4661% | 3,799 |
| Assets per employee ($millions) | 6.4409% | 1,267 |
| Cash dividends to net income (ytd only)* | 46.1284% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,780 |
| Loan loss allowance to noncurrent loans | 278.8626% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 3,518 |
| Noncurrent loans to loans | 0.4872% | 2,820 |
| Net loans and leases to total assets | 52.6372% | 4,315 |
| Net loans and leases to deposits | 68.6182% | 3,933 |
| Net loans and leases to core deposits | 80.2362% | 3,399 |
| Total domestic deposits to total assets | 76.7102% | 4,597 |
| Equity capital to assets | 14.2634% | 1,025 |
| Core capital (leverage) ratio | 13.0132% | 1,291 |
| Tier 1 risk-based capital ratio | 21.4440% | 1,127 |
| Total risk-based capital ratio | 22.6514% | 1,108 |
| Memoranda: | ||
| Average total assets | $413,961,000 | 1,707 |
| Average earning assets | $383,331,000 | 1,715 |
| Average equity | $55,051,330 | 1,451 |
| Average total loans | $213,439,670 | 2,091 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 4,494 |
| Cost of funding earning assets | 1.0450% | 1,396 |
| Net interest margin | 2.8919% | 4,888 |
| Noninterest income to average assets | 0.4114% | 3,101 |
| Noninterest expense to average assets | 1.8639% | 4,844 |
| Loan and lease loss provision to assets | 0.0144% | 3,246 |
| Net operating income to assets | 1.1523% | 2,252 |
| Return on assets (ROA) | 1.1214% | 2,436 |
| Pretax return on assets | 1.1750% | 2,897 |
| Return on Equity (ROE) | 8.7400% | 2,927 |
| Retained earnings to average equity (ytd only) | 4.5863% | 3,088 |
| Net charge-offs to loans | 0.0132% | 2,231 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 182.4286% | 422 |
| Efficiency ratio | 59.8760% | 3,824 |
| Assets per employee ($millions) | 6.6770% | 1,157 |
| Cash dividends to net income (ytd only)* | 47.5256% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,753 |
| Loan loss allowance to noncurrent loans | 341.0943% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,735 |
| Noncurrent loans to loans | 0.4044% | 3,137 |
| Net loans and leases to total assets | 50.6091% | 4,428 |
| Net loans and leases to deposits | 64.5332% | 4,152 |
| Net loans and leases to core deposits | 78.3774% | 3,490 |
| Total domestic deposits to total assets | 78.4233% | 4,449 |
| Equity capital to assets | 13.2438% | 1,321 |
| Core capital (leverage) ratio | 12.6862% | 1,411 |
| Tier 1 risk-based capital ratio | 21.2924% | 1,128 |
| Total risk-based capital ratio | 22.5028% | 1,117 |
| Memoranda: | ||
| Average total assets | $418,054,500 | 1,697 |
| Average earning assets | $386,598,000 | 1,702 |
| Average equity | $53,638,500 | 1,479 |
| Average total loans | $211,894,500 | 2,123 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8614% | 4,364 |
| Cost of funding earning assets | 0.8799% | 1,178 |
| Net interest margin | 2.9815% | 4,820 |
| Noninterest income to average assets | 0.3570% | 3,705 |
| Noninterest expense to average assets | 1.8211% | 4,983 |
| Loan and lease loss provision to assets | 0.0120% | 3,899 |
| Net operating income to assets | 1.2466% | 1,988 |
| Return on assets (ROA) | 1.2672% | 1,921 |
| Pretax return on assets | 1.3271% | 2,409 |
| Return on Equity (ROE) | 10.3227% | 2,385 |
| Retained earnings to average equity (ytd only) | 4.8751% | 2,847 |
| Net charge-offs to loans | 0.0315% | 2,769 |
| Credit loss provision to net charge-offs | 78.1250% | 2,893 |
| Earnings coverage of net charge-offs (x) | 85.5156% | 823 |
| Efficiency ratio | 57.4858% | 4,220 |
| Assets per employee ($millions) | 6.8086% | 1,066 |
| Cash dividends to net income (ytd only)* | 52.7736% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,709 |
| Loan loss allowance to noncurrent loans | 347.8571% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 3,704 |
| Noncurrent loans to loans | 0.3974% | 3,104 |
| Net loans and leases to total assets | 49.3748% | 4,562 |
| Net loans and leases to deposits | 62.5870% | 4,341 |
| Net loans and leases to core deposits | 76.7397% | 3,665 |
| Total domestic deposits to total assets | 78.8899% | 4,335 |
| Equity capital to assets | 12.4252% | 1,617 |
| Core capital (leverage) ratio | 12.3059% | 1,559 |
| Tier 1 risk-based capital ratio | 20.0091% | 1,301 |
| Total risk-based capital ratio | 21.1575% | 1,296 |
| Memoranda: | ||
| Average total assets | $415,419,000 | 1,651 |
| Average earning assets | $387,551,000 | 1,632 |
| Average equity | $50,994,200 | 1,491 |
| Average total loans | $203,274,200 | 2,153 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 4,373 |
| Cost of funding earning assets | 0.8247% | 1,219 |
| Net interest margin | 3.0044% | 4,836 |
| Noninterest income to average assets | 0.3532% | 3,770 |
| Noninterest expense to average assets | 1.8536% | 4,971 |
| Loan and lease loss provision to assets | 0.0161% | 3,691 |
| Net operating income to assets | 1.2334% | 2,110 |
| Return on assets (ROA) | 1.2610% | 2,000 |
| Pretax return on assets | 1.3206% | 2,541 |
| Return on Equity (ROE) | 10.3046% | 2,478 |
| Retained earnings to average equity (ytd only) | 5.2458% | 3,090 |
| Net charge-offs to loans | 0.0099% | 3,068 |
| Credit loss provision to net charge-offs | 333.3333% | 939 |
| Earnings coverage of net charge-offs (x) | 270.5265% | 344 |
| Efficiency ratio | 58.1040% | 4,107 |
| Assets per employee ($millions) | 6.5223% | 1,175 |
| Cash dividends to net income (ytd only)* | 49.0928% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,519 |
| Loan loss allowance to noncurrent loans | 363.6475% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 3,927 |
| Noncurrent loans to loans | 0.3991% | 3,223 |
| Net loans and leases to total assets | 49.0974% | 4,655 |
| Net loans and leases to deposits | 63.0565% | 4,388 |
| Net loans and leases to core deposits | 77.0891% | 3,732 |
| Total domestic deposits to total assets | 77.8625% | 4,500 |
| Equity capital to assets | 12.2342% | 1,751 |
| Core capital (leverage) ratio | 12.2006% | 1,667 |
| Tier 1 risk-based capital ratio | 21.0771% | 1,174 |
| Total risk-based capital ratio | 22.3196% | 1,151 |
| Memoranda: | ||
| Average total assets | $413,740,250 | 1,663 |
| Average earning assets | $386,714,000 | 1,645 |
| Average equity | $50,630,000 | 1,502 |
| Average total loans | $201,255,250 | 2,173 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 4,395 |
| Cost of funding earning assets | 0.7574% | 1,337 |
| Net interest margin | 3.0213% | 4,846 |
| Noninterest income to average assets | 0.3400% | 3,910 |
| Noninterest expense to average assets | 1.8626% | 5,012 |
| Loan and lease loss provision to assets | 0.0241% | 3,436 |
| Net operating income to assets | 1.2275% | 2,074 |
| Return on assets (ROA) | 1.2655% | 1,914 |
| Pretax return on assets | 1.3253% | 2,415 |
| Return on Equity (ROE) | 10.3410% | 2,407 |
| Retained earnings to average equity (ytd only) | 4.9655% | 3,092 |
| Net charge-offs to loans | 0.0060% | 2,930 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 452.5000% | 199 |
| Efficiency ratio | 58.1876% | 4,200 |
| Assets per employee ($millions) | 6.5120% | 1,175 |
| Cash dividends to net income (ytd only)* | 51.9817% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,453 |
| Loan loss allowance to noncurrent loans | 336.3431% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 3,924 |
| Noncurrent loans to loans | 0.4407% | 3,113 |
| Net loans and leases to total assets | 47.5270% | 4,747 |
| Net loans and leases to deposits | 60.9951% | 4,477 |
| Net loans and leases to core deposits | 73.5860% | 3,903 |
| Total domestic deposits to total assets | 77.9194% | 4,600 |
| Equity capital to assets | 12.1103% | 1,777 |
| Core capital (leverage) ratio | 12.0261% | 1,700 |
| Tier 1 risk-based capital ratio | 21.0778% | 1,162 |
| Total risk-based capital ratio | 22.3275% | 1,133 |
| Memoranda: | ||
| Average total assets | $414,685,670 | 1,661 |
| Average earning assets | $388,706,000 | 1,642 |
| Average equity | $50,749,670 | 1,497 |
| Average total loans | $200,102,330 | 2,185 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7480% | 4,362 |
| Cost of funding earning assets | 0.6929% | 1,479 |
| Net interest margin | 3.0551% | 4,789 |
| Noninterest income to average assets | 0.2756% | 4,325 |
| Noninterest expense to average assets | 1.8789% | 5,053 |
| Loan and lease loss provision to assets | 0.0290% | 3,132 |
| Net operating income to assets | 1.1895% | 2,053 |
| Return on assets (ROA) | 1.2649% | 1,771 |
| Pretax return on assets | 1.3248% | 2,270 |
| Return on Equity (ROE) | 10.2813% | 2,282 |
| Retained earnings to average equity (ytd only) | 3.9380% | 3,614 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0616% | 4,206 |
| Assets per employee ($millions) | 6.4720% | 1,222 |
| Cash dividends to net income (ytd only)* | 61.6972% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,482 |
| Loan loss allowance to noncurrent loans | 297.7912% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 3,883 |
| Noncurrent loans to loans | 0.5022% | 3,008 |
| Net loans and leases to total assets | 47.9168% | 4,701 |
| Net loans and leases to deposits | 61.8034% | 4,352 |
| Net loans and leases to core deposits | 72.9254% | 3,887 |
| Total domestic deposits to total assets | 77.5309% | 4,798 |
| Equity capital to assets | 12.2065% | 1,658 |
| Core capital (leverage) ratio | 11.8870% | 1,727 |
| Tier 1 risk-based capital ratio | 21.4420% | 1,128 |
| Total risk-based capital ratio | 22.6923% | 1,106 |
| Memoranda: | ||
| Average total assets | $413,644,000 | 1,670 |
| Average earning assets | $389,647,000 | 1,651 |
| Average equity | $50,888,500 | 1,507 |
| Average total loans | $199,624,500 | 2,200 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6925% | 4,354 |
| Cost of funding earning assets | 0.6542% | 1,275 |
| Net interest margin | 3.0384% | 4,805 |
| Noninterest income to average assets | 0.3109% | 4,234 |
| Noninterest expense to average assets | 1.8143% | 5,233 |
| Loan and lease loss provision to assets | 0.0602% | 3,030 |
| Net operating income to assets | 1.2438% | 1,378 |
| Return on assets (ROA) | 1.2529% | 1,377 |
| Pretax return on assets | 1.3119% | 2,303 |
| Return on Equity (ROE) | 10.4121% | 1,713 |
| Retained earnings to average equity (ytd only) | 7.0962% | 1,042 |
| Net charge-offs to loans | 0.0061% | 3,864 |
| Credit loss provision to net charge-offs | 2,100.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 475.5000% | 183 |
| Efficiency ratio | 56.5845% | 4,704 |
| Assets per employee ($millions) | 6.5555% | 1,176 |
| Cash dividends to net income (ytd only)* | 31.8468% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4614% | 1,540 |
| Loan loss allowance to noncurrent loans | 241.2490% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 3,720 |
| Noncurrent loans to loans | 0.6057% | 2,717 |
| Net loans and leases to total assets | 47.1868% | 4,818 |
| Net loans and leases to deposits | 59.2859% | 4,613 |
| Net loans and leases to core deposits | 71.9416% | 4,049 |
| Total domestic deposits to total assets | 79.5919% | 4,419 |
| Equity capital to assets | 12.3958% | 1,578 |
| Core capital (leverage) ratio | 11.7573% | 1,754 |
| Tier 1 risk-based capital ratio | 20.7088% | 1,195 |
| Total risk-based capital ratio | 21.9588% | 1,168 |
| Memoranda: | ||
| Average total assets | $418,775,800 | 1,640 |
| Average earning assets | $395,015,600 | 1,612 |
| Average equity | $50,393,200 | 1,510 |
| Average total loans | $196,595,800 | 2,184 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,379 |
| Cost of funding earning assets | 0.6441% | 1,282 |
| Net interest margin | 3.0329% | 4,848 |
| Noninterest income to average assets | 0.3227% | 4,228 |
| Noninterest expense to average assets | 1.8366% | 5,223 |
| Loan and lease loss provision to assets | 0.0602% | 2,879 |
| Net operating income to assets | 1.2299% | 1,578 |
| Return on assets (ROA) | 1.2426% | 1,563 |
| Pretax return on assets | 1.3012% | 2,486 |
| Return on Equity (ROE) | 10.4045% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.9477% | 2,277 |
| Net charge-offs to loans | 0.0041% | 3,595 |
| Credit loss provision to net charge-offs | 3,150.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 705.3163% | 145 |
| Efficiency ratio | 57.1514% | 4,597 |
| Assets per employee ($millions) | 6.4011% | 1,247 |
| Cash dividends to net income (ytd only)* | 42.8351% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,691 |
| Loan loss allowance to noncurrent loans | 326.4172% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 4,195 |
| Noncurrent loans to loans | 0.4451% | 3,371 |
| Net loans and leases to total assets | 47.6656% | 4,848 |
| Net loans and leases to deposits | 61.4081% | 4,561 |
| Net loans and leases to core deposits | 75.4127% | 3,852 |
| Total domestic deposits to total assets | 77.6209% | 4,783 |
| Equity capital to assets | 12.7465% | 1,517 |
| Core capital (leverage) ratio | 11.4500% | 2,057 |
| Tier 1 risk-based capital ratio | 20.8314% | 1,228 |
| Total risk-based capital ratio | 22.0817% | 1,193 |
| Memoranda: | ||
| Average total assets | $418,581,250 | 1,651 |
| Average earning assets | $394,990,750 | 1,623 |
| Average equity | $49,989,750 | 1,532 |
| Average total loans | $195,517,250 | 2,202 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 4,404 |
| Cost of funding earning assets | 0.6418% | 1,199 |
| Net interest margin | 2.9954% | 4,923 |
| Noninterest income to average assets | 0.2894% | 4,486 |
| Noninterest expense to average assets | 1.8290% | 5,277 |
| Loan and lease loss provision to assets | 0.0598% | 2,767 |
| Net operating income to assets | 1.1731% | 1,695 |
| Return on assets (ROA) | 1.1780% | 1,707 |
| Pretax return on assets | 1.2335% | 2,645 |
| Return on Equity (ROE) | 10.0839% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.5598% | 2,377 |
| Net charge-offs to loans | 0.0031% | 3,387 |
| Credit loss provision to net charge-offs | 4,200.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 905.0000% | 78 |
| Efficiency ratio | 58.1431% | 4,571 |
| Assets per employee ($millions) | 6.5578% | 1,120 |
| Cash dividends to net income (ytd only)* | 44.8651% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 1,897 |
| Loan loss allowance to noncurrent loans | 385.6361% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,386 |
| Noncurrent loans to loans | 0.3664% | 3,715 |
| Net loans and leases to total assets | 46.8656% | 4,894 |
| Net loans and leases to deposits | 58.1207% | 4,744 |
| Net loans and leases to core deposits | 69.9660% | 4,234 |
| Total domestic deposits to total assets | 80.6351% | 4,273 |
| Equity capital to assets | 12.3004% | 1,731 |
| Core capital (leverage) ratio | 11.0508% | 2,357 |
| Tier 1 risk-based capital ratio | 19.7822% | 1,414 |
| Total risk-based capital ratio | 20.9899% | 1,390 |
| Memoranda: | ||
| Average total assets | $421,550,670 | 1,644 |
| Average earning assets | $397,946,000 | 1,619 |
| Average equity | $49,246,670 | 1,551 |
| Average total loans | $194,639,000 | 2,218 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 4,446 |
| Cost of funding earning assets | 0.6356% | 1,156 |
| Net interest margin | 2.9539% | 4,985 |
| Noninterest income to average assets | 0.3068% | 4,367 |
| Noninterest expense to average assets | 1.8415% | 5,317 |
| Loan and lease loss provision to assets | 0.0596% | 2,608 |
| Net operating income to assets | 1.1317% | 1,743 |
| Return on assets (ROA) | 1.1362% | 1,763 |
| Pretax return on assets | 1.1958% | 2,617 |
| Return on Equity (ROE) | 9.9880% | 1,967 |
| Retained earnings to average equity (ytd only) | 5.3519% | 2,702 |
| Net charge-offs to loans | 0.0083% | 2,686 |
| Credit loss provision to net charge-offs | 1,575.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 330.2500% | 183 |
| Efficiency ratio | 59.0325% | 4,587 |
| Assets per employee ($millions) | 6.4821% | 1,197 |
| Cash dividends to net income (ytd only)* | 46.4167% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 2,021 |
| Loan loss allowance to noncurrent loans | 460.7023% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,603 |
| Noncurrent loans to loans | 0.3071% | 4,020 |
| Net loans and leases to total assets | 44.8784% | 4,993 |
| Net loans and leases to deposits | 56.7047% | 4,775 |
| Net loans and leases to core deposits | 69.3291% | 4,195 |
| Total domestic deposits to total assets | 79.1442% | 4,797 |
| Equity capital to assets | 11.3918% | 2,268 |
| Core capital (leverage) ratio | 10.8788% | 2,508 |
| Tier 1 risk-based capital ratio | 19.5507% | 1,488 |
| Total risk-based capital ratio | 20.7361% | 1,464 |
| Memoranda: | ||
| Average total assets | $422,475,000 | 1,655 |
| Average earning assets | $398,383,000 | 1,628 |
| Average equity | $48,057,500 | 1,584 |
| Average total loans | $192,201,000 | 2,253 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 4,371 |
| Cost of funding earning assets | 0.5999% | 1,329 |
| Net interest margin | 3.0498% | 4,848 |
| Noninterest income to average assets | 0.3466% | 4,257 |
| Noninterest expense to average assets | 1.9022% | 5,356 |
| Loan and lease loss provision to assets | 0.0294% | 3,768 |
| Net operating income to assets | 1.2149% | 1,453 |
| Return on assets (ROA) | 1.2712% | 1,368 |
| Pretax return on assets | 1.3381% | 2,156 |
| Return on Equity (ROE) | 10.1519% | 1,898 |
| Retained earnings to average equity (ytd only) | 4.0496% | 3,036 |
| Net charge-offs to loans | -0.1418% | 5,669 |
| Credit loss provision to net charge-offs | -45.9144% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7073% | 4,760 |
| Assets per employee ($millions) | 6.1343% | 1,384 |
| Cash dividends to net income (ytd only)* | 60.1096% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,997 |
| Loan loss allowance to noncurrent loans | 409.7264% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,597 |
| Noncurrent loans to loans | 0.3470% | 3,892 |
| Net loans and leases to total assets | 44.8187% | 5,073 |
| Net loans and leases to deposits | 55.9639% | 4,913 |
| Net loans and leases to core deposits | 68.6905% | 4,346 |
| Total domestic deposits to total assets | 80.0850% | 4,558 |
| Equity capital to assets | 11.3583% | 2,283 |
| Core capital (leverage) ratio | 11.0604% | 2,295 |
| Tier 1 risk-based capital ratio | 19.5937% | 1,455 |
| Total risk-based capital ratio | 20.7715% | 1,433 |
| Memoranda: | ||
| Average total assets | $401,906,400 | 1,673 |
| Average earning assets | $377,404,800 | 1,650 |
| Average equity | $50,325,400 | 1,510 |
| Average total loans | $181,242,200 | 2,299 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,356 |
| Cost of funding earning assets | 0.5947% | 1,377 |
| Net interest margin | 3.0715% | 4,856 |
| Noninterest income to average assets | 0.3714% | 4,120 |
| Noninterest expense to average assets | 1.9482% | 5,296 |
| Loan and lease loss provision to assets | 0.0275% | 3,693 |
| Net operating income to assets | 1.2137% | 1,593 |
| Return on assets (ROA) | 1.2884% | 1,432 |
| Pretax return on assets | 1.3564% | 2,210 |
| Return on Equity (ROE) | 10.0451% | 2,033 |
| Retained earnings to average equity (ytd only) | 4.8750% | 2,908 |
| Net charge-offs to loans | -0.1809% | 5,734 |
| Credit loss provision to net charge-offs | -33.7449% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3473% | 4,638 |
| Assets per employee ($millions) | 5.8047% | 1,579 |
| Cash dividends to net income (ytd only)* | 51.4685% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,219 |
| Loan loss allowance to noncurrent loans | 441.7362% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,711 |
| Noncurrent loans to loans | 0.3162% | 4,119 |
| Net loans and leases to total assets | 46.6300% | 5,051 |
| Net loans and leases to deposits | 58.6004% | 4,841 |
| Net loans and leases to core deposits | 72.0837% | 4,156 |
| Total domestic deposits to total assets | 79.5729% | 4,596 |
| Equity capital to assets | 13.1099% | 1,438 |
| Core capital (leverage) ratio | 11.3964% | 2,115 |
| Tier 1 risk-based capital ratio | 20.4537% | 1,361 |
| Total risk-based capital ratio | 21.6654% | 1,337 |
| Memoranda: | ||
| Average total assets | $398,100,000 | 1,693 |
| Average earning assets | $373,533,500 | 1,667 |
| Average equity | $51,062,000 | 1,499 |
| Average total loans | $179,140,500 | 2,318 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,345 |
| Cost of funding earning assets | 0.5882% | 1,417 |
| Net interest margin | 3.0957% | 4,845 |
| Noninterest income to average assets | 0.4057% | 3,834 |
| Noninterest expense to average assets | 1.9567% | 5,358 |
| Loan and lease loss provision to assets | 0.0206% | 3,726 |
| Net operating income to assets | 1.2624% | 1,383 |
| Return on assets (ROA) | 1.3370% | 1,270 |
| Pretax return on assets | 1.4080% | 1,993 |
| Return on Equity (ROE) | 10.5022% | 1,850 |
| Retained earnings to average equity (ytd only) | 6.1961% | 2,017 |
| Net charge-offs to loans | -0.2641% | 5,858 |
| Credit loss provision to net charge-offs | -17.6724% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6391% | 4,821 |
| Assets per employee ($millions) | 5.8790% | 1,490 |
| Cash dividends to net income (ytd only)* | 41.0015% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 2,254 |
| Loan loss allowance to noncurrent loans | 324.7810% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 4,385 |
| Noncurrent loans to loans | 0.4338% | 3,811 |
| Net loans and leases to total assets | 45.4279% | 5,163 |
| Net loans and leases to deposits | 58.0999% | 4,896 |
| Net loans and leases to core deposits | 69.3630% | 4,378 |
| Total domestic deposits to total assets | 78.1892% | 4,965 |
| Equity capital to assets | 13.0910% | 1,448 |
| Core capital (leverage) ratio | 11.3161% | 2,134 |
| Tier 1 risk-based capital ratio | 20.3514% | 1,373 |
| Total risk-based capital ratio | 21.5420% | 1,363 |
| Memoranda: | ||
| Average total assets | $397,293,000 | 1,701 |
| Average earning assets | $372,328,000 | 1,673 |
| Average equity | $50,580,000 | 1,518 |
| Average total loans | $175,717,670 | 2,356 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 4,338 |
| Cost of funding earning assets | 0.6008% | 1,329 |
| Net interest margin | 3.0957% | 4,873 |
| Noninterest income to average assets | 0.3999% | 3,832 |
| Noninterest expense to average assets | 1.9927% | 5,358 |
| Loan and lease loss provision to assets | 0.0141% | 3,511 |
| Net operating income to assets | 1.2272% | 1,464 |
| Return on assets (ROA) | 1.2857% | 1,375 |
| Pretax return on assets | 1.3533% | 2,077 |
| Return on Equity (ROE) | 10.2449% | 1,875 |
| Retained earnings to average equity (ytd only) | 5.8668% | 2,440 |
| Net charge-offs to loans | -0.5575% | 6,005 |
| Credit loss provision to net charge-offs | -5.8577% | 4,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8592% | 4,766 |
| Assets per employee ($millions) | 6.0170% | 1,393 |
| Cash dividends to net income (ytd only)* | 42.7337% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,139 |
| Loan loss allowance to noncurrent loans | 333.9818% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 4,457 |
| Noncurrent loans to loans | 0.4386% | 3,867 |
| Net loans and leases to total assets | 43.6150% | 5,270 |
| Net loans and leases to deposits | 54.9948% | 5,035 |
| Net loans and leases to core deposits | 65.5613% | 4,567 |
| Total domestic deposits to total assets | 79.3074% | 4,900 |
| Equity capital to assets | 12.7157% | 1,550 |
| Core capital (leverage) ratio | 11.2563% | 2,183 |
| Tier 1 risk-based capital ratio | 20.8748% | 1,336 |
| Total risk-based capital ratio | 22.1103% | 1,312 |
| Memoranda: | ||
| Average total assets | $396,054,500 | 1,705 |
| Average earning assets | $370,834,500 | 1,679 |
| Average equity | $49,703,000 | 1,534 |
| Average total loans | $171,475,500 | 2,391 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,434 |
| Cost of funding earning assets | 0.6319% | 1,165 |
| Net interest margin | 3.0450% | 5,037 |
| Noninterest income to average assets | 0.2828% | 4,864 |
| Noninterest expense to average assets | 1.8963% | 5,621 |
| Loan and lease loss provision to assets | 0.0844% | 2,606 |
| Net operating income to assets | 1.0890% | 1,972 |
| Return on assets (ROA) | 1.1578% | 1,782 |
| Pretax return on assets | 1.2193% | 2,593 |
| Return on Equity (ROE) | 9.4017% | 2,271 |
| Retained earnings to average equity (ytd only) | 4.2881% | 2,921 |
| Net charge-offs to loans | 0.0889% | 2,547 |
| Credit loss provision to net charge-offs | 235.4610% | 1,214 |
| Earnings coverage of net charge-offs (x) | 34.3617% | 1,316 |
| Efficiency ratio | 60.0634% | 4,902 |
| Assets per employee ($millions) | 5.8953% | 1,468 |
| Cash dividends to net income (ytd only)* | 54.3898% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,483 |
| Loan loss allowance to noncurrent loans | 300.2587% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 4,365 |
| Noncurrent loans to loans | 0.4624% | 3,814 |
| Net loans and leases to total assets | 41.7357% | 5,423 |
| Net loans and leases to deposits | 53.3803% | 5,193 |
| Net loans and leases to core deposits | 63.3821% | 4,776 |
| Total domestic deposits to total assets | 78.1856% | 5,127 |
| Equity capital to assets | 12.3825% | 1,682 |
| Core capital (leverage) ratio | 11.0379% | 2,367 |
| Tier 1 risk-based capital ratio | 21.0549% | 1,290 |
| Total risk-based capital ratio | 22.1964% | 1,286 |
| Memoranda: | ||
| Average total assets | $393,497,000 | 1,673 |
| Average earning assets | $367,614,200 | 1,652 |
| Average equity | $48,459,400 | 1,539 |
| Average total loans | $158,595,000 | 2,490 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6669% | 4,533 |
| Cost of funding earning assets | 0.6363% | 1,172 |
| Net interest margin | 3.0306% | 5,124 |
| Noninterest income to average assets | 0.2893% | 4,875 |
| Noninterest expense to average assets | 1.9020% | 5,632 |
| Loan and lease loss provision to assets | 0.0960% | 2,255 |
| Net operating income to assets | 1.0653% | 2,148 |
| Return on assets (ROA) | 1.1365% | 1,947 |
| Pretax return on assets | 1.1965% | 2,834 |
| Return on Equity (ROE) | 9.2413% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.3242% | 3,397 |
| Net charge-offs to loans | 0.1091% | 2,037 |
| Credit loss provision to net charge-offs | 221.0938% | 1,236 |
| Earnings coverage of net charge-offs (x) | 28.0473% | 1,558 |
| Efficiency ratio | 60.4044% | 4,830 |
| Assets per employee ($millions) | 5.6144% | 1,677 |
| Cash dividends to net income (ytd only)* | 53.2079% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 2,546 |
| Loan loss allowance to noncurrent loans | 332.1221% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 4,500 |
| Noncurrent loans to loans | 0.4247% | 4,082 |
| Net loans and leases to total assets | 41.8290% | 5,502 |
| Net loans and leases to deposits | 54.1028% | 5,248 |
| Net loans and leases to core deposits | 65.8202% | 4,705 |
| Total domestic deposits to total assets | 77.3139% | 5,293 |
| Equity capital to assets | 12.7449% | 1,592 |
| Core capital (leverage) ratio | 11.0662% | 2,417 |
| Tier 1 risk-based capital ratio | 21.4491% | 1,272 |
| Total risk-based capital ratio | 22.6069% | 1,265 |
| Memoranda: | ||
| Average total assets | $393,124,750 | 1,690 |
| Average earning assets | $367,134,250 | 1,664 |
| Average equity | $48,347,000 | 1,550 |
| Average total loans | $156,451,000 | 2,526 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6487% | 4,582 |
| Cost of funding earning assets | 0.6347% | 1,200 |
| Net interest margin | 3.0141% | 5,192 |
| Noninterest income to average assets | 0.2923% | 4,873 |
| Noninterest expense to average assets | 1.8931% | 5,726 |
| Loan and lease loss provision to assets | 0.0731% | 2,645 |
| Net operating income to assets | 1.0829% | 2,003 |
| Return on assets (ROA) | 1.1413% | 1,881 |
| Pretax return on assets | 1.2018% | 2,769 |
| Return on Equity (ROE) | 9.3898% | 2,341 |
| Retained earnings to average equity (ytd only) | 4.2534% | 3,320 |
| Net charge-offs to loans | 0.0194% | 3,301 |
| Credit loss provision to net charge-offs | 966.6667% | 373 |
| Earnings coverage of net charge-offs (x) | 160.5333% | 413 |
| Efficiency ratio | 60.3731% | 4,933 |
| Assets per employee ($millions) | 6.0229% | 1,329 |
| Cash dividends to net income (ytd only)* | 54.7020% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,546 |
| Loan loss allowance to noncurrent loans | 223.5410% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4007% | 4,299 |
| Noncurrent loans to loans | 0.6455% | 3,545 |
| Net loans and leases to total assets | 38.8326% | 5,696 |
| Net loans and leases to deposits | 50.5257% | 5,474 |
| Net loans and leases to core deposits | 61.1708% | 4,995 |
| Total domestic deposits to total assets | 76.8572% | 5,481 |
| Equity capital to assets | 12.0330% | 2,004 |
| Core capital (leverage) ratio | 10.5336% | 2,912 |
| Tier 1 risk-based capital ratio | 21.2988% | 1,310 |
| Total risk-based capital ratio | 22.4507% | 1,299 |
| Memoranda: | ||
| Average total assets | $396,907,670 | 1,687 |
| Average earning assets | $370,597,000 | 1,662 |
| Average equity | $48,243,670 | 1,553 |
| Average total loans | $154,608,670 | 2,558 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8200% | 3,926 |
| Cost of funding earning assets | 0.6771% | 965 |
| Net interest margin | 3.1429% | 4,809 |
| Noninterest income to average assets | 0.2804% | 4,933 |
| Noninterest expense to average assets | 1.9931% | 5,591 |
| Loan and lease loss provision to assets | 0.0587% | 2,758 |
| Net operating income to assets | 1.0947% | 1,887 |
| Return on assets (ROA) | 1.1009% | 1,973 |
| Pretax return on assets | 1.1596% | 2,838 |
| Return on Equity (ROE) | 9.2215% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.2215% | 1,123 |
| Net charge-offs to loans | 0.0713% | 2,013 |
| Credit loss provision to net charge-offs | 195.6522% | 1,068 |
| Earnings coverage of net charge-offs (x) | 40.3913% | 966 |
| Efficiency ratio | 61.4978% | 4,878 |
| Assets per employee ($millions) | 5.9369% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 2,683 |
| Loan loss allowance to noncurrent loans | 325.2174% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 3,923 |
| Noncurrent loans to loans | 0.4455% | 4,248 |
| Net loans and leases to total assets | 41.1991% | 5,534 |
| Net loans and leases to deposits | 53.3862% | 5,242 |
| Net loans and leases to core deposits | 63.0637% | 4,774 |
| Total domestic deposits to total assets | 77.1719% | 5,588 |
| Equity capital to assets | 12.0828% | 1,965 |
| Core capital (leverage) ratio | 10.6478% | 2,793 |
| Tier 1 risk-based capital ratio | 20.4072% | 1,538 |
| Total risk-based capital ratio | 21.0220% | 1,636 |
| Memoranda: | ||
| Average total assets | $306,653,500 | 2,156 |
| Average earning assets | $285,340,500 | 2,143 |
| Average equity | $36,610,000 | 1,981 |
| Average total loans | $128,953,500 | 2,924 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 4,233 |
| Cost of funding earning assets | 0.7335% | 932 |
| Net interest margin | 3.1394% | 5,097 |
| Noninterest income to average assets | 0.2629% | 5,250 |
| Noninterest expense to average assets | 2.2139% | 5,318 |
| Loan and lease loss provision to assets | 0.0464% | 3,643 |
| Net operating income to assets | 0.8684% | 3,028 |
| Return on assets (ROA) | 0.9462% | 2,737 |
| Pretax return on assets | 0.9959% | 3,512 |
| Return on Equity (ROE) | 8.5819% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.1308% | 975 |
| Net charge-offs to loans | 0.0604% | 3,636 |
| Credit loss provision to net charge-offs | 191.7808% | 1,289 |
| Earnings coverage of net charge-offs (x) | 39.6849% | 1,096 |
| Efficiency ratio | 69.0131% | 3,711 |
| Assets per employee ($millions) | 5.7469% | 1,560 |
| Cash dividends to net income (ytd only)* | 5.2558% | 4,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 2,780 |
| Loan loss allowance to noncurrent loans | 325.9259% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 3,741 |
| Noncurrent loans to loans | 0.4401% | 4,323 |
| Net loans and leases to total assets | 41.6955% | 5,644 |
| Net loans and leases to deposits | 54.0072% | 5,328 |
| Net loans and leases to core deposits | 63.7808% | 4,846 |
| Total domestic deposits to total assets | 77.2036% | 5,569 |
| Equity capital to assets | 11.7924% | 2,177 |
| Core capital (leverage) ratio | 10.4064% | 3,055 |
| Tier 1 risk-based capital ratio | 19.0377% | 1,840 |
| Total risk-based capital ratio | 20.1625% | 1,836 |
| Memoranda: | ||
| Average total assets | $301,643,400 | 2,153 |
| Average earning assets | $279,737,400 | 2,132 |
| Average equity | $33,256,200 | 2,091 |
| Average total loans | $120,816,600 | 3,020 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 4,253 |
| Cost of funding earning assets | 0.7450% | 912 |
| Net interest margin | 3.1306% | 5,172 |
| Noninterest income to average assets | 0.3000% | 5,054 |
| Noninterest expense to average assets | 2.2717% | 5,174 |
| Loan and lease loss provision to assets | 0.0399% | 3,615 |
| Net operating income to assets | 0.8465% | 3,195 |
| Return on assets (ROA) | 0.9504% | 2,766 |
| Pretax return on assets | 1.0005% | 3,588 |
| Return on Equity (ROE) | 8.7753% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.1616% | 1,286 |
| Net charge-offs to loans | 0.0707% | 3,187 |
| Credit loss provision to net charge-offs | 142.8571% | 1,647 |
| Earnings coverage of net charge-offs (x) | 33.3483% | 1,281 |
| Efficiency ratio | 70.1992% | 3,477 |
| Assets per employee ($millions) | 5.5118% | 1,713 |
| Cash dividends to net income (ytd only)* | 6.9932% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 2,904 |
| Loan loss allowance to noncurrent loans | 340.4896% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7455% | 3,573 |
| Noncurrent loans to loans | 0.4285% | 4,622 |
| Net loans and leases to total assets | 41.0299% | 5,752 |
| Net loans and leases to deposits | 53.1159% | 5,452 |
| Net loans and leases to core deposits | 62.3458% | 5,014 |
| Total domestic deposits to total assets | 77.2459% | 5,634 |
| Equity capital to assets | 11.5230% | 2,459 |
| Core capital (leverage) ratio | 10.2683% | 3,318 |
| Tier 1 risk-based capital ratio | 19.0916% | 1,886 |
| Total risk-based capital ratio | 20.2233% | 1,882 |
| Memoranda: | ||
| Average total assets | $300,907,500 | 2,167 |
| Average earning assets | $279,000,500 | 2,148 |
| Average equity | $32,590,750 | 2,138 |
| Average total loans | $118,809,000 | 3,084 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 4,324 |
| Cost of funding earning assets | 0.7471% | 937 |
| Net interest margin | 3.1055% | 5,239 |
| Noninterest income to average assets | 0.2927% | 5,078 |
| Noninterest expense to average assets | 2.2338% | 5,332 |
| Loan and lease loss provision to assets | 0.0265% | 3,747 |
| Net operating income to assets | 0.8662% | 2,972 |
| Return on assets (ROA) | 0.9543% | 2,625 |
| Pretax return on assets | 1.0046% | 3,458 |
| Return on Equity (ROE) | 9.0001% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.0632% | 1,305 |
| Net charge-offs to loans | 0.0939% | 2,735 |
| Credit loss provision to net charge-offs | 72.7273% | 2,420 |
| Earnings coverage of net charge-offs (x) | 25.7636% | 1,397 |
| Efficiency ratio | 69.6868% | 3,710 |
| Assets per employee ($millions) | 5.1264% | 2,052 |
| Cash dividends to net income (ytd only)* | 10.4094% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 2,953 |
| Loan loss allowance to noncurrent loans | 308.2024% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6996% | 3,884 |
| Noncurrent loans to loans | 0.4835% | 4,550 |
| Net loans and leases to total assets | 38.6020% | 5,917 |
| Net loans and leases to deposits | 50.3476% | 5,614 |
| Net loans and leases to core deposits | 58.4135% | 5,241 |
| Total domestic deposits to total assets | 76.6710% | 5,838 |
| Equity capital to assets | 11.1464% | 2,736 |
| Core capital (leverage) ratio | 9.9482% | 3,684 |
| Tier 1 risk-based capital ratio | 19.2895% | 1,856 |
| Total risk-based capital ratio | 20.4331% | 1,841 |
| Memoranda: | ||
| Average total assets | $301,997,000 | 2,155 |
| Average earning assets | $280,017,330 | 2,142 |
| Average equity | $32,022,000 | 2,155 |
| Average total loans | $117,102,330 | 3,121 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 4,429 |
| Cost of funding earning assets | 0.7532% | 959 |
| Net interest margin | 3.0602% | 5,361 |
| Noninterest income to average assets | 0.3393% | 4,661 |
| Noninterest expense to average assets | 2.1924% | 5,479 |
| Loan and lease loss provision to assets | 0.0133% | 3,655 |
| Net operating income to assets | 0.9323% | 2,494 |
| Return on assets (ROA) | 1.0750% | 1,982 |
| Pretax return on assets | 1.1134% | 2,838 |
| Return on Equity (ROE) | 10.4053% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.4053% | 878 |
| Net charge-offs to loans | 0.1237% | 1,980 |
| Credit loss provision to net charge-offs | 27.7778% | 2,413 |
| Earnings coverage of net charge-offs (x) | 20.5278% | 1,329 |
| Efficiency ratio | 68.4079% | 4,111 |
| Assets per employee ($millions) | 5.1153% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 3,034 |
| Loan loss allowance to noncurrent loans | 165.7224% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 2,733 |
| Noncurrent loans to loans | 0.9208% | 3,577 |
| Net loans and leases to total assets | 37.5269% | 5,977 |
| Net loans and leases to deposits | 47.9407% | 5,733 |
| Net loans and leases to core deposits | 56.0060% | 5,352 |
| Total domestic deposits to total assets | 78.2778% | 5,793 |
| Equity capital to assets | 10.6311% | 3,105 |
| Core capital (leverage) ratio | 9.8546% | 3,783 |
| Tier 1 risk-based capital ratio | 19.1643% | 1,915 |
| Total risk-based capital ratio | 20.3143% | 1,914 |
| Memoranda: | ||
| Average total assets | $301,767,500 | 2,167 |
| Average earning assets | $279,331,000 | 2,151 |
| Average equity | $31,176,500 | 2,207 |
| Average total loans | $116,393,500 | 3,146 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 4,638 |
| Cost of funding earning assets | 0.8039% | 1,191 |
| Net interest margin | 3.0427% | 5,469 |
| Noninterest income to average assets | 0.2097% | 5,827 |
| Noninterest expense to average assets | 2.2221% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7629% | 3,483 |
| Return on assets (ROA) | 0.8084% | 3,347 |
| Pretax return on assets | 0.8508% | 3,957 |
| Return on Equity (ROE) | 7.8818% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.8818% | 1,100 |
| Net charge-offs to loans | 0.2227% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.1866% | 2,541 |
| Efficiency ratio | 72.7038% | 3,348 |
| Assets per employee ($millions) | 5.0289% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,126 |
| Loan loss allowance to noncurrent loans | 155.6818% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 2,842 |
| Noncurrent loans to loans | 0.9713% | 3,577 |
| Net loans and leases to total assets | 38.4426% | 6,059 |
| Net loans and leases to deposits | 48.9641% | 5,834 |
| Net loans and leases to core deposits | 56.9589% | 5,464 |
| Total domestic deposits to total assets | 78.5118% | 5,735 |
| Equity capital to assets | 10.0314% | 3,727 |
| Core capital (leverage) ratio | 9.5606% | 4,172 |
| Tier 1 risk-based capital ratio | 17.2072% | 2,522 |
| Total risk-based capital ratio | 18.2811% | 2,563 |
| Memoranda: | ||
| Average total assets | $306,641,200 | 2,105 |
| Average earning assets | $283,726,800 | 2,087 |
| Average equity | $31,452,200 | 2,158 |
| Average total loans | $120,342,600 | 3,030 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8222% | 4,767 |
| Cost of funding earning assets | 0.8107% | 1,270 |
| Net interest margin | 3.0115% | 5,563 |
| Noninterest income to average assets | 0.2040% | 5,959 |
| Noninterest expense to average assets | 2.1970% | 5,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7422% | 3,640 |
| Return on assets (ROA) | 0.8021% | 3,466 |
| Pretax return on assets | 0.8571% | 4,064 |
| Return on Equity (ROE) | 7.7777% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.7777% | 1,512 |
| Net charge-offs to loans | 0.2909% | 2,080 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 6.9394% | 2,877 |
| Efficiency ratio | 72.7154% | 3,276 |
| Assets per employee ($millions) | 5.0154% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 3,387 |
| Loan loss allowance to noncurrent loans | 164.9723% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 2,943 |
| Noncurrent loans to loans | 0.9197% | 3,978 |
| Net loans and leases to total assets | 39.1539% | 6,093 |
| Net loans and leases to deposits | 50.0979% | 5,832 |
| Net loans and leases to core deposits | 58.4400% | 5,417 |
| Total domestic deposits to total assets | 78.1546% | 5,879 |
| Equity capital to assets | 10.0694% | 3,806 |
| Core capital (leverage) ratio | 9.3598% | 4,594 |
| Tier 1 risk-based capital ratio | 18.3722% | 2,186 |
| Total risk-based capital ratio | 19.5479% | 2,176 |
| Memoranda: | ||
| Average total assets | $307,868,250 | 2,099 |
| Average earning assets | $284,852,750 | 2,091 |
| Average equity | $31,748,250 | 2,164 |
| Average total loans | $120,984,500 | 3,041 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 4,646 |
| Cost of funding earning assets | 0.8119% | 1,359 |
| Net interest margin | 3.0401% | 5,465 |
| Noninterest income to average assets | 0.3431% | 4,940 |
| Noninterest expense to average assets | 2.0958% | 5,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0106% | 2,287 |
| Return on assets (ROA) | 1.0569% | 2,206 |
| Pretax return on assets | 1.1127% | 3,042 |
| Return on Equity (ROE) | 10.1732% | 2,133 |
| Retained earnings to average equity (ytd only) | 10.1732% | 810 |
| Net charge-offs to loans | 0.0213% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 127.6154% | 380 |
| Efficiency ratio | 65.6180% | 4,614 |
| Assets per employee ($millions) | 5.0517% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7181% | 2,714 |
| Loan loss allowance to noncurrent loans | 125.9122% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6057% | 2,707 |
| Noncurrent loans to loans | 1.3645% | 3,277 |
| Net loans and leases to total assets | 37.7951% | 6,189 |
| Net loans and leases to deposits | 48.6788% | 5,939 |
| Net loans and leases to core deposits | 56.1912% | 5,581 |
| Total domestic deposits to total assets | 77.6417% | 6,041 |
| Equity capital to assets | 9.9035% | 4,049 |
| Core capital (leverage) ratio | 9.0356% | 4,928 |
| Tier 1 risk-based capital ratio | 17.7109% | 2,433 |
| Total risk-based capital ratio | 18.9648% | 2,397 |
| Memoranda: | ||
| Average total assets | $311,855,330 | 2,080 |
| Average earning assets | $288,942,000 | 2,063 |
| Average equity | $32,399,000 | 2,133 |
| Average total loans | $122,098,000 | 3,024 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 4,406 |
| Cost of funding earning assets | 0.8192% | 1,422 |
| Net interest margin | 3.1005% | 5,260 |
| Noninterest income to average assets | 0.3455% | 4,920 |
| Noninterest expense to average assets | 2.0248% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1323% | 1,738 |
| Return on assets (ROA) | 1.1323% | 1,858 |
| Pretax return on assets | 1.1922% | 2,606 |
| Return on Equity (ROE) | 10.6540% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.6540% | 948 |
| Net charge-offs to loans | 0.0065% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 467.5000% | 70 |
| Efficiency ratio | 62.2671% | 5,271 |
| Assets per employee ($millions) | 5.1309% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 3,075 |
| Loan loss allowance to noncurrent loans | 170.7256% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5160% | 2,978 |
| Noncurrent loans to loans | 0.9865% | 4,159 |
| Net loans and leases to total assets | 38.8149% | 6,094 |
| Net loans and leases to deposits | 49.9313% | 5,791 |
| Net loans and leases to core deposits | 58.3147% | 5,314 |
| Total domestic deposits to total assets | 77.7366% | 6,154 |
| Equity capital to assets | 10.9108% | 3,063 |
| Core capital (leverage) ratio | 8.8113% | 5,170 |
| Tier 1 risk-based capital ratio | 17.1196% | 2,701 |
| Total risk-based capital ratio | 18.3700% | 2,673 |
| Memoranda: | ||
| Average total assets | $313,706,000 | 2,091 |
| Average earning assets | $290,532,500 | 2,073 |
| Average equity | $33,339,500 | 2,112 |
| Average total loans | $123,895,500 | 3,016 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 4,127 |
| Cost of funding earning assets | 0.9351% | 1,734 |
| Net interest margin | 3.3842% | 4,942 |
| Noninterest income to average assets | 0.3244% | 5,138 |
| Noninterest expense to average assets | 2.2219% | 5,877 |
| Loan and lease loss provision to assets | 0.1276% | 4,018 |
| Net operating income to assets | 1.0556% | 2,095 |
| Return on assets (ROA) | 1.2073% | 1,744 |
| Pretax return on assets | 1.2708% | 2,520 |
| Return on Equity (ROE) | 12.0253% | 1,505 |
| Retained earnings to average equity (ytd only) | 8.1744% | 1,067 |
| Net charge-offs to loans | 0.3776% | 2,742 |
| Credit loss provision to net charge-offs | 80.5556% | 3,817 |
| Earnings coverage of net charge-offs (x) | 7.8194% | 2,523 |
| Efficiency ratio | 63.5695% | 4,971 |
| Assets per employee ($millions) | 5.0724% | 2,139 |
| Cash dividends to net income (ytd only)* | 32.0229% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 3,209 |
| Loan loss allowance to noncurrent loans | 178.6399% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 3,169 |
| Noncurrent loans to loans | 0.9085% | 4,364 |
| Net loans and leases to total assets | 38.8668% | 6,236 |
| Net loans and leases to deposits | 49.8123% | 5,970 |
| Net loans and leases to core deposits | 58.1897% | 5,526 |
| Total domestic deposits to total assets | 78.0264% | 6,075 |
| Equity capital to assets | 10.3548% | 3,688 |
| Core capital (leverage) ratio | 8.6298% | 5,423 |
| Tier 1 risk-based capital ratio | 16.3598% | 2,958 |
| Total risk-based capital ratio | 17.6159% | 2,916 |
| Memoranda: | ||
| Average total assets | $318,146,800 | 2,015 |
| Average earning assets | $294,843,600 | 2,003 |
| Average equity | $31,941,000 | 2,143 |
| Average total loans | $133,465,000 | 2,819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 4,357 |
| Cost of funding earning assets | 0.9582% | 1,800 |
| Net interest margin | 3.3642% | 5,165 |
| Noninterest income to average assets | 0.3499% | 5,015 |
| Noninterest expense to average assets | 2.1523% | 6,058 |
| Loan and lease loss provision to assets | 0.1703% | 3,426 |
| Net operating income to assets | 1.0911% | 2,125 |
| Return on assets (ROA) | 1.2477% | 1,748 |
| Pretax return on assets | 1.3136% | 2,544 |
| Return on Equity (ROE) | 12.5269% | 1,454 |
| Retained earnings to average equity (ytd only) | 12.5269% | 438 |
| Net charge-offs to loans | 0.6170% | 1,786 |
| Credit loss provision to net charge-offs | 64.8562% | 4,030 |
| Earnings coverage of net charge-offs (x) | 5.0223% | 3,134 |
| Efficiency ratio | 61.3609% | 5,251 |
| Assets per employee ($millions) | 4.9132% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4840% | 4,017 |
| Loan loss allowance to noncurrent loans | 134.3794% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1481% | 2,493 |
| Noncurrent loans to loans | 1.1043% | 4,214 |
| Net loans and leases to total assets | 41.3282% | 6,176 |
| Net loans and leases to deposits | 53.7022% | 5,826 |
| Net loans and leases to core deposits | 62.9139% | 5,270 |
| Total domestic deposits to total assets | 76.9581% | 6,238 |
| Equity capital to assets | 10.9830% | 3,298 |
| Core capital (leverage) ratio | 8.6537% | 5,550 |
| Tier 1 risk-based capital ratio | 16.5085% | 2,995 |
| Total risk-based capital ratio | 17.7169% | 2,983 |
| Memoranda: | ||
| Average total assets | $317,793,250 | 2,042 |
| Average earning assets | $294,859,500 | 2,024 |
| Average equity | $31,653,750 | 2,178 |
| Average total loans | $135,268,250 | 2,822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 4,354 |
| Cost of funding earning assets | 0.9793% | 1,886 |
| Net interest margin | 3.3784% | 5,173 |
| Noninterest income to average assets | 0.3344% | 5,152 |
| Noninterest expense to average assets | 2.1226% | 6,192 |
| Loan and lease loss provision to assets | 0.1997% | 3,086 |
| Net operating income to assets | 1.0928% | 2,065 |
| Return on assets (ROA) | 1.1936% | 1,935 |
| Pretax return on assets | 1.2566% | 2,703 |
| Return on Equity (ROE) | 12.3927% | 1,543 |
| Retained earnings to average equity (ytd only) | 12.3927% | 520 |
| Net charge-offs to loans | 0.4786% | 2,154 |
| Credit loss provision to net charge-offs | 97.5610% | 2,840 |
| Earnings coverage of net charge-offs (x) | 6.5976% | 2,611 |
| Efficiency ratio | 60.4923% | 5,499 |
| Assets per employee ($millions) | 5.1873% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,575 |
| Loan loss allowance to noncurrent loans | 78.5242% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 2.2365% | 2,504 |
| Noncurrent loans to loans | 2.0490% | 2,890 |
| Net loans and leases to total assets | 40.6713% | 6,298 |
| Net loans and leases to deposits | 52.1884% | 6,015 |
| Net loans and leases to core deposits | 60.9868% | 5,491 |
| Total domestic deposits to total assets | 77.9317% | 6,166 |
| Equity capital to assets | 10.0518% | 4,254 |
| Core capital (leverage) ratio | 7.8509% | 6,410 |
| Tier 1 risk-based capital ratio | 15.4372% | 3,484 |
| Total risk-based capital ratio | 16.6938% | 3,442 |
| Memoranda: | ||
| Average total assets | $320,547,000 | 2,022 |
| Average earning assets | $297,772,000 | 1,998 |
| Average equity | $30,873,000 | 2,209 |
| Average total loans | $137,074,000 | 2,797 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 4,373 |
| Cost of funding earning assets | 1.0069% | 1,941 |
| Net interest margin | 3.3815% | 5,192 |
| Noninterest income to average assets | 0.3137% | 5,369 |
| Noninterest expense to average assets | 2.1149% | 6,243 |
| Loan and lease loss provision to assets | 0.0750% | 4,458 |
| Net operating income to assets | 1.2001% | 1,731 |
| Return on assets (ROA) | 1.3699% | 1,431 |
| Pretax return on assets | 1.4424% | 2,044 |
| Return on Equity (ROE) | 14.5428% | 1,071 |
| Retained earnings to average equity (ytd only) | 14.5428% | 505 |
| Net charge-offs to loans | 0.0345% | 4,208 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 89.2500% | 381 |
| Efficiency ratio | 60.6225% | 5,524 |
| Assets per employee ($millions) | 5.0870% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 3,705 |
| Loan loss allowance to noncurrent loans | 68.4014% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 2.3399% | 2,547 |
| Noncurrent loans to loans | 2.3437% | 2,754 |
| Net loans and leases to total assets | 42.0384% | 6,190 |
| Net loans and leases to deposits | 53.7142% | 5,837 |
| Net loans and leases to core deposits | 63.6942% | 5,152 |
| Total domestic deposits to total assets | 78.2631% | 6,231 |
| Equity capital to assets | 9.6467% | 4,587 |
| Core capital (leverage) ratio | 7.8499% | 6,373 |
| Tier 1 risk-based capital ratio | 14.6477% | 3,987 |
| Total risk-based capital ratio | 15.8988% | 3,949 |
| Memoranda: | ||
| Average total assets | $320,013,000 | 2,029 |
| Average earning assets | $297,148,500 | 2,000 |
| Average equity | $30,145,500 | 2,253 |
| Average total loans | $139,139,000 | 2,797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 5,255 |
| Cost of funding earning assets | 1.1798% | 2,163 |
| Net interest margin | 3.2678% | 5,908 |
| Noninterest income to average assets | 0.2408% | 5,818 |
| Noninterest expense to average assets | 1.9162% | 6,806 |
| Loan and lease loss provision to assets | 0.0959% | 5,394 |
| Net operating income to assets | 1.2274% | 1,437 |
| Return on assets (ROA) | 1.3939% | 1,125 |
| Pretax return on assets | 1.4671% | 1,568 |
| Return on Equity (ROE) | 13.9620% | 939 |
| Retained earnings to average equity (ytd only) | 13.9620% | 173 |
| Net charge-offs to loans | 0.2704% | 4,082 |
| Credit loss provision to net charge-offs | 83.3333% | 4,310 |
| Earnings coverage of net charge-offs (x) | 12.0633% | 1,652 |
| Efficiency ratio | 57.9619% | 6,063 |
| Assets per employee ($millions) | 5.0721% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,940 |
| Loan loss allowance to noncurrent loans | 102.9736% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 3,257 |
| Noncurrent loans to loans | 1.4750% | 3,947 |
| Net loans and leases to total assets | 43.5653% | 6,249 |
| Net loans and leases to deposits | 55.3981% | 5,942 |
| Net loans and leases to core deposits | 65.6611% | 5,296 |
| Total domestic deposits to total assets | 78.6404% | 6,063 |
| Equity capital to assets | 9.1928% | 5,298 |
| Core capital (leverage) ratio | 9.2643% | 4,380 |
| Tier 1 risk-based capital ratio | 13.5195% | 4,681 |
| Total risk-based capital ratio | 14.7654% | 4,649 |
| Memoranda: | ||
| Average total assets | $260,781,800 | 2,420 |
| Average earning assets | $244,442,800 | 2,353 |
| Average equity | $26,035,000 | 2,481 |
| Average total loans | $110,936,400 | 3,358 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 4,430 |
| Cost of funding earning assets | 1.2737% | 1,847 |
| Net interest margin | 3.4326% | 5,453 |
| Noninterest income to average assets | 0.2763% | 5,642 |
| Noninterest expense to average assets | 2.0371% | 6,617 |
| Loan and lease loss provision to assets | 0.0975% | 5,237 |
| Net operating income to assets | 1.3076% | 1,360 |
| Return on assets (ROA) | 1.1849% | 1,814 |
| Pretax return on assets | 1.2407% | 2,487 |
| Return on Equity (ROE) | 11.5712% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.5712% | 543 |
| Net charge-offs to loans | 0.2490% | 3,871 |
| Credit loss provision to net charge-offs | 93.2642% | 3,654 |
| Earnings coverage of net charge-offs (x) | 14.0206% | 1,562 |
| Efficiency ratio | 58.1503% | 5,983 |
| Assets per employee ($millions) | 5.4476% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1320% | 1,996 |
| Loan loss allowance to noncurrent loans | 206.8182% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 1.8667% | 3,312 |
| Noncurrent loans to loans | 1.0309% | 4,837 |
| Net loans and leases to total assets | 40.8960% | 6,571 |
| Net loans and leases to deposits | 54.5280% | 6,161 |
| Net loans and leases to core deposits | 67.7667% | 5,202 |
| Total domestic deposits to total assets | 75.0000% | 6,639 |
| Equity capital to assets | 11.6177% | 2,568 |
| Core capital (leverage) ratio | 10.1871% | 3,207 |
| Tier 1 risk-based capital ratio | 19.5365% | 1,809 |
| Total risk-based capital ratio | 20.7921% | 1,775 |
| Memoranda: | ||
| Average total assets | $246,091,500 | 2,575 |
| Average earning assets | $231,341,250 | 2,496 |
| Average equity | $25,200,000 | 2,549 |
| Average total loans | $103,331,250 | 3,562 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 4,486 |
| Cost of funding earning assets | 1.3193% | 1,829 |
| Net interest margin | 3.3925% | 5,578 |
| Noninterest income to average assets | 0.2467% | 5,881 |
| Noninterest expense to average assets | 2.0397% | 6,713 |
| Loan and lease loss provision to assets | 0.0974% | 5,108 |
| Net operating income to assets | 1.2354% | 1,475 |
| Return on assets (ROA) | 1.1136% | 1,920 |
| Pretax return on assets | 1.1664% | 2,614 |
| Return on Equity (ROE) | 11.3827% | 1,675 |
| Retained earnings to average equity (ytd only) | 11.3827% | 607 |
| Net charge-offs to loans | 0.2605% | 3,587 |
| Credit loss provision to net charge-offs | 88.8889% | 3,489 |
| Earnings coverage of net charge-offs (x) | 12.7037% | 1,605 |
| Efficiency ratio | 59.4371% | 5,958 |
| Assets per employee ($millions) | 5.6398% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 2,084 |
| Loan loss allowance to noncurrent loans | 103.6580% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 2.2849% | 2,873 |
| Noncurrent loans to loans | 2.0424% | 3,423 |
| Net loans and leases to total assets | 40.6531% | 6,690 |
| Net loans and leases to deposits | 53.5390% | 6,342 |
| Net loans and leases to core deposits | 66.1439% | 5,493 |
| Total domestic deposits to total assets | 75.9318% | 6,610 |
| Equity capital to assets | 10.6261% | 3,356 |
| Core capital (leverage) ratio | 9.6467% | 3,739 |
| Tier 1 risk-based capital ratio | 18.6215% | 1,958 |
| Total risk-based capital ratio | 19.8770% | 1,923 |
| Memoranda: | ||
| Average total assets | $246,407,330 | 2,588 |
| Average earning assets | $231,332,670 | 2,511 |
| Average equity | $24,106,670 | 2,653 |
| Average total loans | $103,629,000 | 3,591 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 4,567 |
| Cost of funding earning assets | 1.3459% | 1,915 |
| Net interest margin | 3.3438% | 5,628 |
| Noninterest income to average assets | 0.3340% | 5,232 |
| Noninterest expense to average assets | 2.1015% | 6,629 |
| Loan and lease loss provision to assets | 0.0977% | 4,786 |
| Net operating income to assets | 1.2104% | 1,502 |
| Return on assets (ROA) | 1.2414% | 1,469 |
| Pretax return on assets | 1.3000% | 2,044 |
| Return on Equity (ROE) | 13.2663% | 1,130 |
| Retained earnings to average equity (ytd only) | 13.2663% | 547 |
| Net charge-offs to loans | 0.5197% | 2,183 |
| Credit loss provision to net charge-offs | 44.4444% | 3,859 |
| Earnings coverage of net charge-offs (x) | 6.2074% | 2,136 |
| Efficiency ratio | 60.6203% | 5,888 |
| Assets per employee ($millions) | 5.3818% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 2,243 |
| Loan loss allowance to noncurrent loans | 199.6237% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 2.0249% | 3,290 |
| Noncurrent loans to loans | 1.0380% | 4,982 |
| Net loans and leases to total assets | 40.5075% | 6,742 |
| Net loans and leases to deposits | 52.7190% | 6,419 |
| Net loans and leases to core deposits | 64.9672% | 5,629 |
| Total domestic deposits to total assets | 76.8367% | 6,560 |
| Equity capital to assets | 9.6529% | 4,250 |
| Core capital (leverage) ratio | 9.5056% | 3,793 |
| Tier 1 risk-based capital ratio | 18.1773% | 2,062 |
| Total risk-based capital ratio | 19.4325% | 2,023 |
| Memoranda: | ||
| Average total assets | $245,534,500 | 2,609 |
| Average earning assets | $230,035,000 | 2,545 |
| Average equity | $22,975,500 | 2,749 |
| Average total loans | $103,911,500 | 3,625 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 3,945 |
| Cost of funding earning assets | 1.5317% | 2,469 |
| Net interest margin | 3.6012% | 4,818 |
| Noninterest income to average assets | 0.4155% | 4,775 |
| Noninterest expense to average assets | 2.1160% | 6,811 |
| Loan and lease loss provision to assets | 0.9576% | 1,700 |
| Net operating income to assets | 0.6749% | 3,321 |
| Return on assets (ROA) | 0.7299% | 3,227 |
| Pretax return on assets | 0.7644% | 3,744 |
| Return on Equity (ROE) | 7.7393% | 2,804 |
| Retained earnings to average equity (ytd only) | 6.8563% | 1,384 |
| Net charge-offs to loans | 3.4550% | 421 |
| Credit loss provision to net charge-offs | 58.1837% | 6,109 |
| Earnings coverage of net charge-offs (x) | 1.0111% | 5,099 |
| Efficiency ratio | 55.9753% | 6,598 |
| Assets per employee ($millions) | 5.1810% | 1,888 |
| Cash dividends to net income (ytd only)* | 11.4090% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 2,106 |
| Loan loss allowance to noncurrent loans | 154.0673% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.6554% | 3,817 |
| Noncurrent loans to loans | 1.3527% | 4,454 |
| Net loans and leases to total assets | 42.3901% | 6,829 |
| Net loans and leases to deposits | 54.8548% | 6,532 |
| Net loans and leases to core deposits | 67.1288% | 5,760 |
| Total domestic deposits to total assets | 77.2769% | 6,435 |
| Equity capital to assets | 9.0569% | 5,064 |
| Core capital (leverage) ratio | 9.3241% | 3,971 |
| Tier 1 risk-based capital ratio | 17.3931% | 2,207 |
| Total risk-based capital ratio | 18.6487% | 2,174 |
| Memoranda: | ||
| Average total assets | $240,175,400 | 2,632 |
| Average earning assets | $224,395,000 | 2,577 |
| Average equity | $22,650,600 | 2,809 |
| Average total loans | $114,414,400 | 3,442 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 3,635 |
| Cost of funding earning assets | 1.5557% | 2,632 |
| Net interest margin | 3.6841% | 4,489 |
| Noninterest income to average assets | 0.4997% | 4,192 |
| Noninterest expense to average assets | 2.1714% | 6,678 |
| Loan and lease loss provision to assets | 0.4457% | 3,242 |
| Net operating income to assets | 1.2662% | 1,426 |
| Return on assets (ROA) | 1.3052% | 1,396 |
| Pretax return on assets | 1.3665% | 1,983 |
| Return on Equity (ROE) | 13.7016% | 1,097 |
| Retained earnings to average equity (ytd only) | 12.5320% | 395 |
| Net charge-offs to loans | 2.8869% | 554 |
| Credit loss provision to net charge-offs | 31.6706% | 6,132 |
| Earnings coverage of net charge-offs (x) | 1.2589% | 4,812 |
| Efficiency ratio | 55.0721% | 6,673 |
| Assets per employee ($millions) | 5.0940% | 2,066 |
| Cash dividends to net income (ytd only)* | 8.5361% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 2,559 |
| Loan loss allowance to noncurrent loans | 76.7064% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 2.2032% | 3,194 |
| Noncurrent loans to loans | 2.4441% | 3,185 |
| Net loans and leases to total assets | 46.4318% | 6,659 |
| Net loans and leases to deposits | 61.4930% | 6,171 |
| Net loans and leases to core deposits | 72.8209% | 5,421 |
| Total domestic deposits to total assets | 75.5075% | 6,743 |
| Equity capital to assets | 10.4816% | 3,543 |
| Core capital (leverage) ratio | 9.6354% | 3,700 |
| Tier 1 risk-based capital ratio | 17.6359% | 2,132 |
| Total risk-based capital ratio | 18.8903% | 2,099 |
| Memoranda: | ||
| Average total assets | $239,343,000 | 2,677 |
| Average earning assets | $223,694,000 | 2,622 |
| Average equity | $22,799,750 | 2,831 |
| Average total loans | $116,663,250 | 3,432 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3586% | 3,168 |
| Cost of funding earning assets | 1.5764% | 2,794 |
| Net interest margin | 3.7821% | 3,980 |
| Noninterest income to average assets | 0.4396% | 4,613 |
| Noninterest expense to average assets | 2.1637% | 6,735 |
| Loan and lease loss provision to assets | 0.4179% | 3,232 |
| Net operating income to assets | 1.3262% | 1,246 |
| Return on assets (ROA) | 1.3848% | 1,187 |
| Pretax return on assets | 1.4500% | 1,698 |
| Return on Equity (ROE) | 15.0399% | 852 |
| Retained earnings to average equity (ytd only) | 15.0399% | 242 |
| Net charge-offs to loans | 4.0123% | 323 |
| Credit loss provision to net charge-offs | 21.1595% | 5,840 |
| Earnings coverage of net charge-offs (x) | 0.9149% | 4,859 |
| Efficiency ratio | 54.4938% | 6,815 |
| Assets per employee ($millions) | 5.1986% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7509% | 2,901 |
| Loan loss allowance to noncurrent loans | 52.2895% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.7990% | 2,581 |
| Noncurrent loans to loans | 3.3485% | 2,387 |
| Net loans and leases to total assets | 45.6334% | 6,798 |
| Net loans and leases to deposits | 59.5107% | 6,454 |
| Net loans and leases to core deposits | 71.6923% | 5,705 |
| Total domestic deposits to total assets | 76.6811% | 6,568 |
| Equity capital to assets | 9.5496% | 4,635 |
| Core capital (leverage) ratio | 9.3766% | 4,002 |
| Tier 1 risk-based capital ratio | 17.0543% | 2,261 |
| Total risk-based capital ratio | 18.3077% | 2,213 |
| Memoranda: | ||
| Average total assets | $239,317,330 | 2,711 |
| Average earning assets | $223,418,000 | 2,645 |
| Average equity | $22,034,670 | 2,918 |
| Average total loans | $117,787,330 | 3,434 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 3,557 |
| Cost of funding earning assets | 1.6098% | 2,899 |
| Net interest margin | 3.6891% | 4,306 |
| Noninterest income to average assets | 0.3969% | 4,935 |
| Noninterest expense to average assets | 2.1486% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6101% | 734 |
| Return on assets (ROA) | 1.7449% | 608 |
| Pretax return on assets | 1.8276% | 843 |
| Return on Equity (ROE) | 19.3215% | 419 |
| Retained earnings to average equity (ytd only) | 19.3215% | 202 |
| Net charge-offs to loans | 1.5541% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.1416% | 3,465 |
| Efficiency ratio | 56.0352% | 6,754 |
| Assets per employee ($millions) | 4.9300% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8587% | 931 |
| Loan loss allowance to noncurrent loans | 117.2557% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 2.7248% | 2,671 |
| Noncurrent loans to loans | 2.4380% | 3,239 |
| Net loans and leases to total assets | 48.5928% | 6,615 |
| Net loans and leases to deposits | 63.4680% | 6,111 |
| Net loans and leases to core deposits | 74.3242% | 5,470 |
| Total domestic deposits to total assets | 76.5627% | 6,650 |
| Equity capital to assets | 9.3070% | 4,823 |
| Core capital (leverage) ratio | 9.3132% | 4,030 |
| Tier 1 risk-based capital ratio | 16.3386% | 2,512 |
| Total risk-based capital ratio | 17.6038% | 2,466 |
| Memoranda: | ||
| Average total assets | $236,809,000 | 2,796 |
| Average earning assets | $220,647,500 | 2,732 |
| Average equity | $21,385,500 | 3,018 |
| Average total loans | $119,938,500 | 3,462 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 4,471 |
| Cost of funding earning assets | 2.0476% | 2,735 |
| Net interest margin | 3.3967% | 5,380 |
| Noninterest income to average assets | -0.2872% | 7,893 |
| Noninterest expense to average assets | 2.1026% | 7,183 |
| Loan and lease loss provision to assets | 2.4283% | 832 |
| Net operating income to assets | -1.5610% | 6,890 |
| Return on assets (ROA) | -1.4976% | 6,867 |
| Pretax return on assets | -1.5734% | 6,739 |
| Return on Equity (ROE) | -16.1900% | 7,000 |
| Retained earnings to average equity (ytd only) | -19.0750% | 7,070 |
| Net charge-offs to loans | 3.5969% | 526 |
| Credit loss provision to net charge-offs | 129.3027% | 3,974 |
| Earnings coverage of net charge-offs (x) | 0.4197% | 5,683 |
| Efficiency ratio | 72.7351% | 4,143 |
| Assets per employee ($millions) | 5.2662% | 1,866 |
| Cash dividends to net income (ytd only)* | -17.8196% | 7,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1686% | 670 |
| Loan loss allowance to noncurrent loans | 76.3434% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 3.3222% | 2,061 |
| Noncurrent loans to loans | 4.1505% | 1,762 |
| Net loans and leases to total assets | 49.6472% | 6,676 |
| Net loans and leases to deposits | 64.3799% | 6,225 |
| Net loans and leases to core deposits | 82.8478% | 5,829 |
| Total domestic deposits to total assets | 77.1160% | 6,445 |
| Equity capital to assets | 8.7548% | 5,510 |
| Core capital (leverage) ratio | 8.7826% | 4,791 |
| Tier 1 risk-based capital ratio | 15.4580% | 2,737 |
| Total risk-based capital ratio | 16.7279% | 2,680 |
| Memoranda: | ||
| Average total assets | $241,323,800 | 2,706 |
| Average earning assets | $225,776,400 | 2,639 |
| Average equity | $22,322,400 | 2,908 |
| Average total loans | $125,997,000 | 3,353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4630% | 4,616 |
| Cost of funding earning assets | 2.1312% | 2,742 |
| Net interest margin | 3.3319% | 5,522 |
| Noninterest income to average assets | -0.1947% | 7,975 |
| Noninterest expense to average assets | 2.2248% | 6,909 |
| Loan and lease loss provision to assets | 1.3448% | 1,440 |
| Net operating income to assets | -0.6153% | 6,531 |
| Return on assets (ROA) | -0.6023% | 6,525 |
| Pretax return on assets | -0.6309% | 6,427 |
| Return on Equity (ROE) | -6.4269% | 6,599 |
| Retained earnings to average equity (ytd only) | -10.2068% | 6,823 |
| Net charge-offs to loans | 2.8686% | 608 |
| Credit loss provision to net charge-offs | 89.3967% | 5,496 |
| Earnings coverage of net charge-offs (x) | 0.4654% | 5,566 |
| Efficiency ratio | 76.0624% | 3,504 |
| Assets per employee ($millions) | 4.8391% | 2,347 |
| Cash dividends to net income (ytd only)* | -58.8133% | 7,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7918% | 2,306 |
| Loan loss allowance to noncurrent loans | 40.8268% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 3.6480% | 1,801 |
| Noncurrent loans to loans | 4.3889% | 1,609 |
| Net loans and leases to total assets | 51.5923% | 6,642 |
| Net loans and leases to deposits | 67.8644% | 6,136 |
| Net loans and leases to core deposits | 86.8306% | 5,779 |
| Total domestic deposits to total assets | 76.0226% | 6,575 |
| Equity capital to assets | 9.6873% | 4,513 |
| Core capital (leverage) ratio | 9.6841% | 3,669 |
| Tier 1 risk-based capital ratio | 16.9242% | 2,298 |
| Total risk-based capital ratio | 18.1785% | 2,246 |
| Memoranda: | ||
| Average total assets | $242,410,250 | 2,709 |
| Average earning assets | $226,975,000 | 2,644 |
| Average equity | $22,716,250 | 2,884 |
| Average total loans | $127,120,500 | 3,356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 4,784 |
| Cost of funding earning assets | 2.2165% | 2,714 |
| Net interest margin | 3.2534% | 5,723 |
| Noninterest income to average assets | 0.2056% | 6,821 |
| Noninterest expense to average assets | 2.1894% | 7,083 |
| Loan and lease loss provision to assets | 1.0198% | 1,660 |
| Net operating income to assets | 0.0409% | 5,728 |
| Return on assets (ROA) | -0.1974% | 6,211 |
| Pretax return on assets | -0.2064% | 6,131 |
| Return on Equity (ROE) | -2.1298% | 6,244 |
| Retained earnings to average equity (ytd only) | -7.4409% | 6,612 |
| Net charge-offs to loans | 2.2411% | 807 |
| Credit loss provision to net charge-offs | 86.8201% | 5,010 |
| Earnings coverage of net charge-offs (x) | 0.9038% | 4,856 |
| Efficiency ratio | 67.3469% | 5,286 |
| Assets per employee ($millions) | 4.6660% | 2,506 |
| Cash dividends to net income (ytd only)* | -249.3776% | 8,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 1,907 |
| Loan loss allowance to noncurrent loans | 34.3897% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 4.3618% | 1,312 |
| Noncurrent loans to loans | 5.3817% | 1,094 |
| Net loans and leases to total assets | 50.9927% | 6,786 |
| Net loans and leases to deposits | 66.4051% | 6,352 |
| Net loans and leases to core deposits | 84.8907% | 6,019 |
| Total domestic deposits to total assets | 76.7903% | 6,379 |
| Equity capital to assets | 9.2919% | 4,887 |
| Core capital (leverage) ratio | 9.9588% | 3,334 |
| Tier 1 risk-based capital ratio | 16.8406% | 2,351 |
| Total risk-based capital ratio | 18.0953% | 2,301 |
| Memoranda: | ||
| Average total assets | $244,175,330 | 2,711 |
| Average earning assets | $228,561,670 | 2,647 |
| Average equity | $22,631,670 | 2,898 |
| Average total loans | $127,972,330 | 3,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 4,754 |
| Cost of funding earning assets | 2.3116% | 2,645 |
| Net interest margin | 3.2181% | 5,799 |
| Noninterest income to average assets | 0.3544% | 5,607 |
| Noninterest expense to average assets | 2.1539% | 7,000 |
| Loan and lease loss provision to assets | 0.0653% | 6,130 |
| Net operating income to assets | 1.1035% | 1,951 |
| Return on assets (ROA) | 0.1519% | 5,980 |
| Pretax return on assets | 0.1584% | 6,031 |
| Return on Equity (ROE) | 1.6406% | 5,903 |
| Retained earnings to average equity (ytd only) | -5.0452% | 6,553 |
| Net charge-offs to loans | 1.1479% | 1,200 |
| Credit loss provision to net charge-offs | 10.8108% | 5,188 |
| Earnings coverage of net charge-offs (x) | 2.0108% | 3,716 |
| Efficiency ratio | 63.9360% | 5,699 |
| Assets per employee ($millions) | 5.3421% | 1,703 |
| Cash dividends to net income (ytd only)* | 407.5269% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 2,017 |
| Loan loss allowance to noncurrent loans | 36.0467% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 4.1060% | 1,237 |
| Noncurrent loans to loans | 4.8173% | 1,149 |
| Net loans and leases to total assets | 50.4771% | 6,814 |
| Net loans and leases to deposits | 65.6317% | 6,405 |
| Net loans and leases to core deposits | 83.2925% | 6,123 |
| Total domestic deposits to total assets | 76.9097% | 6,296 |
| Equity capital to assets | 9.3633% | 4,851 |
| Core capital (leverage) ratio | 10.0859% | 3,311 |
| Tier 1 risk-based capital ratio | 16.6690% | 2,458 |
| Total risk-based capital ratio | 17.9220% | 2,383 |
| Memoranda: | ||
| Average total assets | $244,947,500 | 2,709 |
| Average earning assets | $229,451,000 | 2,651 |
| Average equity | $22,675,000 | 2,901 |
| Average total loans | $128,930,000 | 3,387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0052% | 5,524 |
| Cost of funding earning assets | 2.7585% | 2,883 |
| Net interest margin | 3.2467% | 6,223 |
| Noninterest income to average assets | 0.3284% | 6,092 |
| Noninterest expense to average assets | 1.9596% | 7,519 |
| Loan and lease loss provision to assets | 0.5140% | 2,750 |
| Net operating income to assets | 0.8723% | 3,122 |
| Return on assets (ROA) | 0.6288% | 4,040 |
| Pretax return on assets | 0.6580% | 4,522 |
| Return on Equity (ROE) | 6.5455% | 3,730 |
| Retained earnings to average equity (ytd only) | 2.7439% | 3,471 |
| Net charge-offs to loans | 0.4115% | 2,758 |
| Credit loss provision to net charge-offs | 234.0619% | 2,031 |
| Earnings coverage of net charge-offs (x) | 6.4918% | 3,348 |
| Efficiency ratio | 57.8873% | 6,719 |
| Assets per employee ($millions) | 4.6954% | 2,335 |
| Cash dividends to net income (ytd only)* | 58.0789% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 1,384 |
| Loan loss allowance to noncurrent loans | 32.5924% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 3.9175% | 1,068 |
| Noncurrent loans to loans | 5.8787% | 631 |
| Net loans and leases to total assets | 52.8776% | 6,761 |
| Net loans and leases to deposits | 68.8129% | 6,386 |
| Net loans and leases to core deposits | 88.3302% | 5,945 |
| Total domestic deposits to total assets | 76.8426% | 6,029 |
| Equity capital to assets | 9.1501% | 5,150 |
| Core capital (leverage) ratio | 10.1801% | 3,290 |
| Tier 1 risk-based capital ratio | 16.5641% | 2,463 |
| Total risk-based capital ratio | 17.8193% | 2,394 |
| Memoranda: | ||
| Average total assets | $249,998,400 | 2,565 |
| Average earning assets | $235,379,000 | 2,502 |
| Average equity | $24,016,600 | 2,730 |
| Average total loans | $133,405,600 | 3,209 |