Home > Spring Valley City Bank > Performance and Condition Ratios
Spring Valley City 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 | 3.8032% | 4,178 |
| Cost of funding earning assets | 1.0942% | 3,084 |
| Net interest margin | 2.7090% | 3,808 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.9956% | 3,648 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 0.5156% | 3,638 |
| Return on assets (ROA) | 0.2808% | 4,055 |
| Pretax return on assets | 0.2324% | 4,162 |
| Return on Equity (ROE) | 2.7200% | 4,067 |
| Retained earnings to average equity (ytd only) | -1.7533% | 4,252 |
| Net charge-offs to loans | -0.0183% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.7806% | 1,679 |
| Assets per employee ($millions) | 7.4949% | 1,733 |
| Cash dividends to net income (ytd only)* | 164.5528% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 339 |
| Loan loss allowance to noncurrent loans | 111.1842% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 370 |
| Noncurrent loans to loans | 1.8549% | 316 |
| Net loans and leases to total assets | 62.7700% | 2,597 |
| Net loans and leases to deposits | 78.2383% | 2,241 |
| Net loans and leases to core deposits | 81.7938% | 2,602 |
| Total domestic deposits to total assets | 80.2300% | 3,426 |
| Equity capital to assets | 10.7287% | 1,615 |
| Core capital (leverage) ratio | 12.5652% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9581% | 481 |
| Memoranda: | ||
| Average total assets | $218,985,600 | 2,853 |
| Average earning assets | $209,746,600 | 2,808 |
| Average equity | $22,643,000 | 2,649 |
| Average total loans | $141,874,400 | 2,746 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 4,308 |
| Cost of funding earning assets | 0.9575% | 3,139 |
| Net interest margin | 2.6422% | 3,962 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.9927% | 3,611 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | 0.2528% | 4,172 |
| Return on assets (ROA) | 0.2528% | 4,180 |
| Pretax return on assets | 0.2881% | 4,179 |
| Return on Equity (ROE) | 2.4700% | 4,153 |
| Retained earnings to average equity (ytd only) | -0.5339% | 4,216 |
| Net charge-offs to loans | -0.0047% | 3,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.7185% | 1,385 |
| Assets per employee ($millions) | 7.3929% | 1,700 |
| Cash dividends to net income (ytd only)* | 121.6346% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 351 |
| Loan loss allowance to noncurrent loans | 82.1717% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.6194% | 217 |
| Noncurrent loans to loans | 2.5202% | 198 |
| Net loans and leases to total assets | 62.9300% | 2,570 |
| Net loans and leases to deposits | 77.8125% | 2,267 |
| Net loans and leases to core deposits | 81.0014% | 2,532 |
| Total domestic deposits to total assets | 80.8700% | 3,405 |
| Equity capital to assets | 10.0483% | 1,808 |
| Core capital (leverage) ratio | 13.2785% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3886% | 463 |
| Memoranda: | ||
| Average total assets | $219,394,250 | 2,864 |
| Average earning assets | $210,123,750 | 2,816 |
| Average equity | $22,474,000 | 2,652 |
| Average total loans | $142,516,750 | 2,744 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5347% | 4,312 |
| Cost of funding earning assets | 0.8145% | 3,165 |
| Net interest margin | 2.7201% | 3,944 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.9841% | 3,631 |
| Loan and lease loss provision to assets | 0.6300% | 113 |
| Net operating income to assets | 0.1511% | 4,334 |
| Return on assets (ROA) | 0.1511% | 4,363 |
| Pretax return on assets | 0.1601% | 4,356 |
| Return on Equity (ROE) | 1.4700% | 4,333 |
| Retained earnings to average equity (ytd only) | -2.9757% | 4,341 |
| Net charge-offs to loans | -0.0042% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.5498% | 1,610 |
| Assets per employee ($millions) | 7.2195% | 1,776 |
| Cash dividends to net income (ytd only)* | 302.9940% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 400 |
| Loan loss allowance to noncurrent loans | 81.2946% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 194 |
| Noncurrent loans to loans | 2.4906% | 183 |
| Net loans and leases to total assets | 65.8900% | 2,168 |
| Net loans and leases to deposits | 79.4169% | 2,020 |
| Net loans and leases to core deposits | 82.6859% | 2,283 |
| Total domestic deposits to total assets | 82.9700% | 3,057 |
| Equity capital to assets | 10.6278% | 1,537 |
| Core capital (leverage) ratio | 12.8093% | 1,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7347% | 505 |
| Memoranda: | ||
| Average total assets | $221,061,000 | 2,862 |
| Average earning assets | $211,901,333 | 2,815 |
| Average equity | $22,784,333 | 2,637 |
| Average total loans | $144,099,333 | 2,725 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3478% | 4,411 |
| Cost of funding earning assets | 0.6703% | 3,153 |
| Net interest margin | 2.6775% | 4,099 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.9920% | 3,644 |
| Loan and lease loss provision to assets | 1.2300% | 58 |
| Net operating income to assets | -0.3684% | 4,574 |
| Return on assets (ROA) | -0.3684% | 4,563 |
| Pretax return on assets | -0.4989% | 4,567 |
| Return on Equity (ROE) | -3.6300% | 4,534 |
| Retained earnings to average equity (ytd only) | -3.6267% | 4,273 |
| Net charge-offs to loans | -0.0055% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.2815% | 1,409 |
| Assets per employee ($millions) | 7.9351% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 447 |
| Loan loss allowance to noncurrent loans | 48.4359% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.5561% | 75 |
| Noncurrent loans to loans | 4.1113% | 86 |
| Net loans and leases to total assets | 60.9300% | 2,562 |
| Net loans and leases to deposits | 72.3140% | 2,443 |
| Net loans and leases to core deposits | 74.8481% | 2,611 |
| Total domestic deposits to total assets | 84.2600% | 3,041 |
| Equity capital to assets | 10.0035% | 1,821 |
| Core capital (leverage) ratio | 12.7708% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4628% | 539 |
| Memoranda: | ||
| Average total assets | $226,908,500 | 2,857 |
| Average earning assets | $217,817,500 | 2,810 |
| Average equity | $23,051,000 | 2,646 |
| Average total loans | $145,744,000 | 2,742 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2216% | 3,776 |
| Cost of funding earning assets | 0.4351% | 1,822 |
| Net interest margin | 2.7865% | 3,918 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.7778% | 4,053 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8355% | 3,205 |
| Return on assets (ROA) | 0.8365% | 3,126 |
| Pretax return on assets | 1.0962% | 2,785 |
| Return on Equity (ROE) | 7.4000% | 3,542 |
| Retained earnings to average equity (ytd only) | 1.1993% | 4,159 |
| Net charge-offs to loans | -0.0057% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4168% | 2,852 |
| Assets per employee ($millions) | 7.4566% | 1,645 |
| Cash dividends to net income (ytd only)* | 83.7980% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,733 |
| Loan loss allowance to noncurrent loans | 358.7607% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 2,121 |
| Noncurrent loans to loans | 0.3153% | 2,018 |
| Net loans and leases to total assets | 65.6000% | 2,078 |
| Net loans and leases to deposits | 76.9789% | 2,037 |
| Net loans and leases to core deposits | 79.6596% | 2,157 |
| Total domestic deposits to total assets | 85.2200% | 2,930 |
| Equity capital to assets | 10.3184% | 1,547 |
| Core capital (leverage) ratio | 12.7326% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8528% | 557 |
| Memoranda: | ||
| Average total assets | $227,249,200 | 2,859 |
| Average earning assets | $219,022,000 | 2,806 |
| Average equity | $25,681,800 | 2,551 |
| Average total loans | $140,723,000 | 2,718 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1139% | 3,646 |
| Cost of funding earning assets | 0.3719% | 1,508 |
| Net interest margin | 2.7420% | 3,849 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.7568% | 4,062 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8478% | 3,079 |
| Return on assets (ROA) | 0.8492% | 3,045 |
| Pretax return on assets | 1.0946% | 2,741 |
| Return on Equity (ROE) | 7.3600% | 3,503 |
| Retained earnings to average equity (ytd only) | 3.7115% | 3,545 |
| Net charge-offs to loans | -0.0067% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.3971% | 2,917 |
| Assets per employee ($millions) | 8.6436% | 1,009 |
| Cash dividends to net income (ytd only)* | 49.5526% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 2,853 |
| Loan loss allowance to noncurrent loans | 476.3006% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 2,542 |
| Noncurrent loans to loans | 0.2385% | 2,432 |
| Net loans and leases to total assets | 63.8200% | 2,109 |
| Net loans and leases to deposits | 76.5545% | 1,827 |
| Net loans and leases to core deposits | 79.5113% | 1,935 |
| Total domestic deposits to total assets | 83.3600% | 3,632 |
| Equity capital to assets | 10.3438% | 1,447 |
| Core capital (leverage) ratio | 13.0106% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7780% | 506 |
| Memoranda: | ||
| Average total assets | $228,137,000 | 2,873 |
| Average earning assets | $220,128,500 | 2,822 |
| Average equity | $26,331,750 | 2,550 |
| Average total loans | $138,798,750 | 2,740 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 3,504 |
| Cost of funding earning assets | 0.3310% | 1,432 |
| Net interest margin | 2.6896% | 3,721 |
| Noninterest income to average assets | 0.2242% | 3,850 |
| Noninterest expense to average assets | 1.7621% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8282% | 2,858 |
| Return on assets (ROA) | 0.8296% | 2,830 |
| Pretax return on assets | 1.0651% | 2,529 |
| Return on Equity (ROE) | 6.9517% | 3,325 |
| Retained earnings to average equity (ytd only) | 1.6886% | 3,830 |
| Net charge-offs to loans | -0.0190% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3649% | 3,002 |
| Assets per employee ($millions) | 9.0264% | 877 |
| Cash dividends to net income (ytd only)* | 75.7098% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,932 |
| Loan loss allowance to noncurrent loans | 417.9028% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 2,494 |
| Noncurrent loans to loans | 0.2747% | 2,376 |
| Net loans and leases to total assets | 62.3431% | 2,084 |
| Net loans and leases to deposits | 74.2603% | 1,840 |
| Net loans and leases to core deposits | 76.7704% | 1,945 |
| Total domestic deposits to total assets | 83.9520% | 3,697 |
| Equity capital to assets | 10.9359% | 1,239 |
| Core capital (leverage) ratio | 12.7921% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6298% | 495 |
| Memoranda: | ||
| Average total assets | $229,271,333 | 2,893 |
| Average earning assets | $221,741,333 | 2,839 |
| Average equity | $27,360,333 | 2,562 |
| Average total loans | $136,707,667 | 2,781 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9310% | 3,452 |
| Cost of funding earning assets | 0.3302% | 1,378 |
| Net interest margin | 2.6008% | 3,658 |
| Noninterest income to average assets | 0.1887% | 4,030 |
| Noninterest expense to average assets | 1.7587% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7513% | 2,850 |
| Return on assets (ROA) | 0.7513% | 2,844 |
| Pretax return on assets | 0.9521% | 2,597 |
| Return on Equity (ROE) | 6.0485% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.0485% | 2,239 |
| Net charge-offs to loans | -0.0209% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8787% | 2,928 |
| Assets per employee ($millions) | 8.5316% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,866 |
| Loan loss allowance to noncurrent loans | 394.1889% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,436 |
| Noncurrent loans to loans | 0.3043% | 2,373 |
| Net loans and leases to total assets | 58.2135% | 2,275 |
| Net loans and leases to deposits | 69.6082% | 1,997 |
| Net loans and leases to core deposits | 72.0269% | 2,108 |
| Total domestic deposits to total assets | 83.6303% | 3,844 |
| Equity capital to assets | 11.8319% | 1,011 |
| Core capital (leverage) ratio | 12.8470% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2889% | 413 |
| Memoranda: | ||
| Average total assets | $231,076,500 | 2,893 |
| Average earning assets | $224,084,500 | 2,842 |
| Average equity | $28,701,500 | 2,553 |
| Average total loans | $133,902,500 | 2,810 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1591% | 3,563 |
| Cost of funding earning assets | 0.3830% | 1,658 |
| Net interest margin | 2.7761% | 3,720 |
| Noninterest income to average assets | 0.1981% | 4,173 |
| Noninterest expense to average assets | 1.7121% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9353% | 2,919 |
| Return on assets (ROA) | 0.9360% | 2,981 |
| Pretax return on assets | 1.2054% | 2,647 |
| Return on Equity (ROE) | 6.9510% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.7758% | 3,737 |
| Net charge-offs to loans | 0.2169% | 427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 9.7021% | 2,250 |
| Efficiency ratio | 58.7019% | 3,328 |
| Assets per employee ($millions) | 8.5852% | 1,055 |
| Cash dividends to net income (ytd only)* | 60.0659% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,750 |
| Loan loss allowance to noncurrent loans | 405.2500% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 2,497 |
| Noncurrent loans to loans | 0.3028% | 2,505 |
| Net loans and leases to total assets | 56.2810% | 2,570 |
| Net loans and leases to deposits | 68.2290% | 2,291 |
| Net loans and leases to core deposits | 70.6178% | 2,391 |
| Total domestic deposits to total assets | 82.4884% | 3,896 |
| Equity capital to assets | 13.0060% | 897 |
| Core capital (leverage) ratio | 12.5085% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5473% | 418 |
| Memoranda: | ||
| Average total assets | $227,144,800 | 2,863 |
| Average earning assets | $222,436,200 | 2,793 |
| Average equity | $30,585,600 | 2,495 |
| Average total loans | $130,007,600 | 2,856 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2266% | 3,554 |
| Cost of funding earning assets | 0.3903% | 1,775 |
| Net interest margin | 2.8363% | 3,695 |
| Noninterest income to average assets | 0.1982% | 4,210 |
| Noninterest expense to average assets | 1.6992% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9915% | 2,943 |
| Return on assets (ROA) | 0.9924% | 3,019 |
| Pretax return on assets | 1.2827% | 2,671 |
| Return on Equity (ROE) | 7.3061% | 3,587 |
| Retained earnings to average equity (ytd only) | 4.9084% | 3,252 |
| Net charge-offs to loans | 0.2348% | 349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 9.5263% | 2,072 |
| Efficiency ratio | 57.0071% | 3,411 |
| Assets per employee ($millions) | 8.8389% | 943 |
| Cash dividends to net income (ytd only)* | 32.8181% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,555 |
| Loan loss allowance to noncurrent loans | 294.2004% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 2,472 |
| Noncurrent loans to loans | 0.4375% | 2,243 |
| Net loans and leases to total assets | 53.7913% | 2,991 |
| Net loans and leases to deposits | 65.1061% | 2,723 |
| Net loans and leases to core deposits | 67.4161% | 2,825 |
| Total domestic deposits to total assets | 82.6210% | 3,794 |
| Equity capital to assets | 13.0031% | 978 |
| Core capital (leverage) ratio | 12.6110% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4723% | 401 |
| Memoranda: | ||
| Average total assets | $225,980,750 | 2,899 |
| Average earning assets | $221,691,750 | 2,826 |
| Average equity | $30,695,000 | 2,517 |
| Average total loans | $129,489,250 | 2,898 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3208% | 3,372 |
| Cost of funding earning assets | 0.3997% | 1,892 |
| Net interest margin | 2.9211% | 3,529 |
| Noninterest income to average assets | 0.2011% | 4,196 |
| Noninterest expense to average assets | 1.7325% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0318% | 2,781 |
| Return on assets (ROA) | 1.0318% | 2,858 |
| Pretax return on assets | 1.3357% | 2,532 |
| Return on Equity (ROE) | 7.4814% | 3,536 |
| Retained earnings to average equity (ytd only) | 3.8715% | 3,560 |
| Net charge-offs to loans | 0.2258% | 386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 10.1438% | 1,810 |
| Efficiency ratio | 56.4668% | 3,482 |
| Assets per employee ($millions) | 8.5185% | 1,003 |
| Cash dividends to net income (ytd only)* | 48.2517% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,442 |
| Loan loss allowance to noncurrent loans | 245.3911% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 2,363 |
| Noncurrent loans to loans | 0.5296% | 2,081 |
| Net loans and leases to total assets | 58.0161% | 2,668 |
| Net loans and leases to deposits | 70.6289% | 2,343 |
| Net loans and leases to core deposits | 73.0433% | 2,514 |
| Total domestic deposits to total assets | 82.1422% | 3,900 |
| Equity capital to assets | 13.2935% | 868 |
| Core capital (leverage) ratio | 12.9808% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5210% | 452 |
| Memoranda: | ||
| Average total assets | $221,757,667 | 2,927 |
| Average earning assets | $217,660,667 | 2,850 |
| Average equity | $30,582,667 | 2,506 |
| Average total loans | $129,303,333 | 2,913 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4405% | 3,081 |
| Cost of funding earning assets | 0.4193% | 1,944 |
| Net interest margin | 3.0212% | 3,206 |
| Noninterest income to average assets | 0.1985% | 4,198 |
| Noninterest expense to average assets | 1.8177% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0421% | 2,663 |
| Return on assets (ROA) | 1.0421% | 2,746 |
| Pretax return on assets | 1.3472% | 2,438 |
| Return on Equity (ROE) | 7.4150% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.4150% | 2,448 |
| Net charge-offs to loans | 0.4843% | 172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.7908% | 1,707 |
| Efficiency ratio | 57.4332% | 3,376 |
| Assets per employee ($millions) | 8.1722% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,385 |
| Loan loss allowance to noncurrent loans | 239.7260% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 2,486 |
| Noncurrent loans to loans | 0.5476% | 2,221 |
| Net loans and leases to total assets | 59.6211% | 2,587 |
| Net loans and leases to deposits | 71.2061% | 2,397 |
| Net loans and leases to core deposits | 73.6774% | 2,544 |
| Total domestic deposits to total assets | 83.7303% | 3,514 |
| Equity capital to assets | 13.7888% | 718 |
| Core capital (leverage) ratio | 13.5207% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2808% | 389 |
| Memoranda: | ||
| Average total assets | $217,636,500 | 2,947 |
| Average earning assets | $213,691,000 | 2,867 |
| Average equity | $30,586,500 | 2,501 |
| Average total loans | $126,358,000 | 2,943 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 4,251 |
| Cost of funding earning assets | 0.5223% | 2,799 |
| Net interest margin | 2.8372% | 4,202 |
| Noninterest income to average assets | 0.2222% | 4,167 |
| Noninterest expense to average assets | 1.8509% | 4,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9055% | 2,670 |
| Return on assets (ROA) | 0.9835% | 2,493 |
| Pretax return on assets | 1.2456% | 2,173 |
| Return on Equity (ROE) | 6.6555% | 3,350 |
| Retained earnings to average equity (ytd only) | 2.4658% | 3,622 |
| Net charge-offs to loans | -0.0116% | 4,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7424% | 3,181 |
| Assets per employee ($millions) | 7.4008% | 1,337 |
| Cash dividends to net income (ytd only)* | 62.9518% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,314 |
| Loan loss allowance to noncurrent loans | 200.5269% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,258 |
| Noncurrent loans to loans | 0.7947% | 1,748 |
| Net loans and leases to total assets | 54.7514% | 3,414 |
| Net loans and leases to deposits | 65.9108% | 3,280 |
| Net loans and leases to core deposits | 68.6834% | 3,359 |
| Total domestic deposits to total assets | 83.0689% | 3,390 |
| Equity capital to assets | 14.3265% | 726 |
| Core capital (leverage) ratio | 13.5286% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1470% | 317 |
| Memoranda: | ||
| Average total assets | $202,547,000 | 2,917 |
| Average earning assets | $198,155,800 | 2,845 |
| Average equity | $29,930,000 | 2,479 |
| Average total loans | $112,544,800 | 3,061 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4535% | 4,284 |
| Cost of funding earning assets | 0.5416% | 2,980 |
| Net interest margin | 2.9119% | 4,161 |
| Noninterest income to average assets | 0.2232% | 4,157 |
| Noninterest expense to average assets | 1.8617% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9481% | 2,527 |
| Return on assets (ROA) | 1.0531% | 2,264 |
| Pretax return on assets | 1.3398% | 1,907 |
| Return on Equity (ROE) | 7.0690% | 3,166 |
| Retained earnings to average equity (ytd only) | 4.6244% | 2,729 |
| Net charge-offs to loans | -0.0048% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6707% | 3,279 |
| Assets per employee ($millions) | 7.1814% | 1,385 |
| Cash dividends to net income (ytd only)* | 34.5812% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6080% | 1,079 |
| Loan loss allowance to noncurrent loans | 204.3150% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 2,409 |
| Noncurrent loans to loans | 0.7870% | 1,852 |
| Net loans and leases to total assets | 55.6482% | 3,652 |
| Net loans and leases to deposits | 67.4968% | 3,513 |
| Net loans and leases to core deposits | 70.3368% | 3,604 |
| Total domestic deposits to total assets | 82.4457% | 3,300 |
| Equity capital to assets | 14.9456% | 648 |
| Core capital (leverage) ratio | 14.0568% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7575% | 283 |
| Memoranda: | ||
| Average total assets | $199,528,000 | 2,924 |
| Average earning assets | $194,963,750 | 2,856 |
| Average equity | $29,725,500 | 2,489 |
| Average total loans | $110,828,000 | 3,097 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 4,302 |
| Cost of funding earning assets | 0.5662% | 3,147 |
| Net interest margin | 3.0093% | 4,107 |
| Noninterest income to average assets | 0.2238% | 4,154 |
| Noninterest expense to average assets | 1.9347% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9582% | 2,466 |
| Return on assets (ROA) | 1.0996% | 2,085 |
| Pretax return on assets | 1.4037% | 1,719 |
| Return on Equity (ROE) | 7.3893% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.6639% | 3,089 |
| Net charge-offs to loans | -0.0258% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2363% | 3,244 |
| Assets per employee ($millions) | 6.7205% | 1,614 |
| Cash dividends to net income (ytd only)* | 50.4163% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 953 |
| Loan loss allowance to noncurrent loans | 215.8730% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 2,612 |
| Noncurrent loans to loans | 0.7525% | 1,998 |
| Net loans and leases to total assets | 55.3438% | 3,744 |
| Net loans and leases to deposits | 66.9992% | 3,643 |
| Net loans and leases to core deposits | 69.9213% | 3,712 |
| Total domestic deposits to total assets | 82.6036% | 3,203 |
| Equity capital to assets | 14.6389% | 698 |
| Core capital (leverage) ratio | 13.9992% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4249% | 296 |
| Memoranda: | ||
| Average total assets | $196,616,667 | 2,927 |
| Average earning assets | $191,805,333 | 2,861 |
| Average equity | $29,258,667 | 2,504 |
| Average total loans | $108,508,000 | 3,121 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 4,528 |
| Cost of funding earning assets | 0.6662% | 3,080 |
| Net interest margin | 2.9299% | 4,386 |
| Noninterest income to average assets | 0.2328% | 4,155 |
| Noninterest expense to average assets | 2.0088% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8450% | 2,731 |
| Return on assets (ROA) | 1.0422% | 2,130 |
| Pretax return on assets | 1.3231% | 1,804 |
| Return on Equity (ROE) | 6.9416% | 2,972 |
| Retained earnings to average equity (ytd only) | 6.9416% | 1,559 |
| Net charge-offs to loans | -0.0038% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1701% | 3,066 |
| Assets per employee ($millions) | 5.9781% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 692 |
| Loan loss allowance to noncurrent loans | 274.0580% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 2,998 |
| Noncurrent loans to loans | 0.6622% | 2,333 |
| Net loans and leases to total assets | 53.4770% | 4,026 |
| Net loans and leases to deposits | 63.4815% | 4,011 |
| Net loans and leases to core deposits | 66.5550% | 4,052 |
| Total domestic deposits to total assets | 84.2404% | 2,698 |
| Equity capital to assets | 14.9536% | 770 |
| Core capital (leverage) ratio | 14.9149% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0851% | 281 |
| Memoranda: | ||
| Average total assets | $190,757,000 | 2,948 |
| Average earning assets | $185,532,500 | 2,868 |
| Average equity | $28,639,000 | 2,535 |
| Average total loans | $104,159,500 | 3,172 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,770 |
| Cost of funding earning assets | 0.6604% | 3,356 |
| Net interest margin | 2.9446% | 4,592 |
| Noninterest income to average assets | 0.2492% | 4,186 |
| Noninterest expense to average assets | 2.0284% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8875% | 3,262 |
| Return on assets (ROA) | 0.9251% | 3,184 |
| Pretax return on assets | 1.1407% | 3,040 |
| Return on Equity (ROE) | 6.1965% | 3,846 |
| Retained earnings to average equity (ytd only) | 1.3901% | 4,248 |
| Net charge-offs to loans | 0.0251% | 2,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 85.4583% | 758 |
| Efficiency ratio | 64.9581% | 2,941 |
| Assets per employee ($millions) | 5.9442% | 1,672 |
| Cash dividends to net income (ytd only)* | 77.5663% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 638 |
| Loan loss allowance to noncurrent loans | 221.3115% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 2,607 |
| Noncurrent loans to loans | 0.8202% | 1,865 |
| Net loans and leases to total assets | 53.7481% | 4,090 |
| Net loans and leases to deposits | 63.9773% | 4,075 |
| Net loans and leases to core deposits | 66.6882% | 4,153 |
| Total domestic deposits to total assets | 84.0113% | 2,843 |
| Equity capital to assets | 15.0735% | 774 |
| Core capital (leverage) ratio | 14.5173% | 797 |
| Tier 1 risk-based capital ratio | 27.9274% | 563 |
| Total risk-based capital ratio | 29.1850% | 553 |
| Memoranda: | ||
| Average total assets | $187,434,000 | 2,941 |
| Average earning assets | $182,908,400 | 2,853 |
| Average equity | $27,983,600 | 2,496 |
| Average total loans | $95,718,600 | 3,285 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,877 |
| Cost of funding earning assets | 0.6442% | 3,479 |
| Net interest margin | 2.9603% | 4,679 |
| Noninterest income to average assets | 0.2506% | 4,240 |
| Noninterest expense to average assets | 2.0320% | 4,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8987% | 3,353 |
| Return on assets (ROA) | 0.9403% | 3,273 |
| Pretax return on assets | 1.1574% | 3,112 |
| Return on Equity (ROE) | 6.3138% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.7633% | 3,512 |
| Net charge-offs to loans | 0.0057% | 3,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 387.4822% | 258 |
| Efficiency ratio | 64.7554% | 2,901 |
| Assets per employee ($millions) | 5.9295% | 1,654 |
| Cash dividends to net income (ytd only)* | 40.3950% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9284% | 531 |
| Loan loss allowance to noncurrent loans | 243.9336% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 2,863 |
| Noncurrent loans to loans | 0.7905% | 1,996 |
| Net loans and leases to total assets | 51.1937% | 4,360 |
| Net loans and leases to deposits | 61.1655% | 4,337 |
| Net loans and leases to core deposits | 63.8790% | 4,377 |
| Total domestic deposits to total assets | 83.6970% | 2,933 |
| Equity capital to assets | 15.3923% | 751 |
| Core capital (leverage) ratio | 15.0708% | 724 |
| Tier 1 risk-based capital ratio | 28.6634% | 526 |
| Total risk-based capital ratio | 29.9220% | 521 |
| Memoranda: | ||
| Average total assets | $186,738,750 | 2,971 |
| Average earning assets | $182,138,500 | 2,882 |
| Average equity | $27,811,500 | 2,521 |
| Average total loans | $93,616,500 | 3,365 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 4,930 |
| Cost of funding earning assets | 0.6118% | 3,590 |
| Net interest margin | 2.9883% | 4,715 |
| Noninterest income to average assets | 0.2337% | 4,352 |
| Noninterest expense to average assets | 2.0707% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8817% | 3,352 |
| Return on assets (ROA) | 0.8905% | 3,388 |
| Pretax return on assets | 1.0876% | 3,273 |
| Return on Equity (ROE) | 6.0483% | 4,035 |
| Retained earnings to average equity (ytd only) | 2.1575% | 4,070 |
| Net charge-offs to loans | 0.0131% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 166.6667% | 454 |
| Efficiency ratio | 65.7886% | 2,841 |
| Assets per employee ($millions) | 5.7233% | 1,765 |
| Cash dividends to net income (ytd only)* | 64.3289% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0763% | 409 |
| Loan loss allowance to noncurrent loans | 230.9927% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,744 |
| Noncurrent loans to loans | 0.8989% | 1,815 |
| Net loans and leases to total assets | 47.6447% | 4,583 |
| Net loans and leases to deposits | 56.6670% | 4,570 |
| Net loans and leases to core deposits | 59.1935% | 4,604 |
| Total domestic deposits to total assets | 84.0784% | 2,826 |
| Equity capital to assets | 15.0300% | 799 |
| Core capital (leverage) ratio | 14.6959% | 774 |
| Tier 1 risk-based capital ratio | 28.8393% | 524 |
| Total risk-based capital ratio | 30.0979% | 516 |
| Memoranda: | ||
| Average total assets | $185,737,000 | 2,994 |
| Average earning assets | $181,105,330 | 2,908 |
| Average equity | $27,346,670 | 2,544 |
| Average total loans | $91,806,330 | 3,417 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,980 |
| Cost of funding earning assets | 0.5655% | 3,757 |
| Net interest margin | 3.0169% | 4,722 |
| Noninterest income to average assets | 0.2215% | 4,418 |
| Noninterest expense to average assets | 2.0503% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9076% | 3,208 |
| Return on assets (ROA) | 0.9252% | 3,175 |
| Pretax return on assets | 1.1359% | 3,025 |
| Return on Equity (ROE) | 6.3519% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.3519% | 2,294 |
| Net charge-offs to loans | 0.0174% | 2,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 128.2500% | 564 |
| Efficiency ratio | 64.7907% | 3,117 |
| Assets per employee ($millions) | 5.4597% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0513% | 454 |
| Loan loss allowance to noncurrent loans | 186.1598% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,435 |
| Noncurrent loans to loans | 1.1019% | 1,512 |
| Net loans and leases to total assets | 49.1311% | 4,522 |
| Net loans and leases to deposits | 58.2723% | 4,491 |
| Net loans and leases to core deposits | 60.0021% | 4,565 |
| Total domestic deposits to total assets | 84.3129% | 2,940 |
| Equity capital to assets | 14.8607% | 779 |
| Core capital (leverage) ratio | 15.2016% | 657 |
| Tier 1 risk-based capital ratio | 28.7141% | 524 |
| Total risk-based capital ratio | 29.9726% | 517 |
| Memoranda: | ||
| Average total assets | $184,171,000 | 3,045 |
| Average earning assets | $179,654,000 | 2,954 |
| Average equity | $26,826,500 | 2,583 |
| Average total loans | $91,762,500 | 3,457 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4935% | 4,924 |
| Cost of funding earning assets | 0.5392% | 3,118 |
| Net interest margin | 2.9543% | 4,843 |
| Noninterest income to average assets | 0.2389% | 4,486 |
| Noninterest expense to average assets | 1.8772% | 4,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0081% | 2,970 |
| Return on assets (ROA) | 1.0129% | 2,936 |
| Pretax return on assets | 1.2491% | 2,698 |
| Return on Equity (ROE) | 7.3044% | 3,729 |
| Retained earnings to average equity (ytd only) | 3.2702% | 3,772 |
| Net charge-offs to loans | 0.0080% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 328.5714% | 308 |
| Efficiency ratio | 60.1594% | 3,831 |
| Assets per employee ($millions) | 5.7098% | 1,764 |
| Cash dividends to net income (ytd only)* | 55.2295% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 391 |
| Loan loss allowance to noncurrent loans | 155.7364% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 2,042 |
| Noncurrent loans to loans | 1.3593% | 1,151 |
| Net loans and leases to total assets | 48.4363% | 4,608 |
| Net loans and leases to deposits | 57.8289% | 4,583 |
| Net loans and leases to core deposits | 59.7171% | 4,643 |
| Total domestic deposits to total assets | 83.7580% | 3,064 |
| Equity capital to assets | 14.2667% | 900 |
| Core capital (leverage) ratio | 14.6524% | 765 |
| Tier 1 risk-based capital ratio | 28.7564% | 524 |
| Total risk-based capital ratio | 30.0154% | 516 |
| Memoranda: | ||
| Average total assets | $185,010,800 | 3,003 |
| Average earning assets | $180,451,600 | 2,917 |
| Average equity | $25,655,800 | 2,596 |
| Average total loans | $87,815,200 | 3,515 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4533% | 4,976 |
| Cost of funding earning assets | 0.5290% | 3,002 |
| Net interest margin | 2.9243% | 4,945 |
| Noninterest income to average assets | 0.2378% | 4,547 |
| Noninterest expense to average assets | 1.8377% | 4,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0145% | 3,025 |
| Return on assets (ROA) | 1.0209% | 3,013 |
| Pretax return on assets | 1.2594% | 2,777 |
| Return on Equity (ROE) | 7.4145% | 3,780 |
| Retained earnings to average equity (ytd only) | 4.7534% | 3,369 |
| Net charge-offs to loans | 0.0061% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 435.7617% | 213 |
| Efficiency ratio | 59.4884% | 3,885 |
| Assets per employee ($millions) | 6.1719% | 1,368 |
| Cash dividends to net income (ytd only)* | 35.8900% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1301% | 400 |
| Loan loss allowance to noncurrent loans | 150.4710% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,140 |
| Noncurrent loans to loans | 1.4156% | 1,173 |
| Net loans and leases to total assets | 47.5702% | 4,732 |
| Net loans and leases to deposits | 55.7327% | 4,764 |
| Net loans and leases to core deposits | 57.5871% | 4,804 |
| Total domestic deposits to total assets | 85.3541% | 2,467 |
| Equity capital to assets | 13.7547% | 1,037 |
| Core capital (leverage) ratio | 14.8938% | 723 |
| Tier 1 risk-based capital ratio | 28.7547% | 530 |
| Total risk-based capital ratio | 30.0134% | 524 |
| Memoranda: | ||
| Average total assets | $185,585,500 | 3,023 |
| Average earning assets | $180,964,000 | 2,937 |
| Average equity | $25,553,000 | 2,614 |
| Average total loans | $87,165,750 | 3,561 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 4,994 |
| Cost of funding earning assets | 0.5156% | 2,894 |
| Net interest margin | 2.9201% | 4,989 |
| Noninterest income to average assets | 0.2294% | 4,646 |
| Noninterest expense to average assets | 1.8188% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0177% | 2,933 |
| Return on assets (ROA) | 1.0273% | 2,911 |
| Pretax return on assets | 1.2707% | 2,629 |
| Return on Equity (ROE) | 7.4586% | 3,744 |
| Retained earnings to average equity (ytd only) | 3.4713% | 3,849 |
| Net charge-offs to loans | 0.0209% | 2,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 129.8889% | 584 |
| Efficiency ratio | 59.0973% | 4,070 |
| Assets per employee ($millions) | 6.3041% | 1,267 |
| Cash dividends to net income (ytd only)* | 53.4591% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2073% | 366 |
| Loan loss allowance to noncurrent loans | 136.0854% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 1,941 |
| Noncurrent loans to loans | 1.6220% | 997 |
| Net loans and leases to total assets | 46.3346% | 4,807 |
| Net loans and leases to deposits | 54.3696% | 4,828 |
| Net loans and leases to core deposits | 56.0634% | 4,871 |
| Total domestic deposits to total assets | 85.2215% | 2,594 |
| Equity capital to assets | 13.8245% | 977 |
| Core capital (leverage) ratio | 14.5910% | 754 |
| Tier 1 risk-based capital ratio | 29.2123% | 510 |
| Total risk-based capital ratio | 30.4722% | 504 |
| Memoranda: | ||
| Average total assets | $185,728,000 | 3,040 |
| Average earning assets | $181,159,000 | 2,951 |
| Average equity | $25,581,330 | 2,620 |
| Average total loans | $86,222,000 | 3,599 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 4,997 |
| Cost of funding earning assets | 0.5069% | 2,742 |
| Net interest margin | 2.9102% | 5,014 |
| Noninterest income to average assets | 0.2265% | 4,659 |
| Noninterest expense to average assets | 1.8164% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0132% | 2,804 |
| Return on assets (ROA) | 1.0236% | 2,782 |
| Pretax return on assets | 1.2694% | 2,480 |
| Return on Equity (ROE) | 7.4451% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.4451% | 2,080 |
| Net charge-offs to loans | -0.0186% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1099% | 4,198 |
| Assets per employee ($millions) | 6.4215% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 370 |
| Loan loss allowance to noncurrent loans | 180.7512% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 2,610 |
| Noncurrent loans to loans | 1.2341% | 1,474 |
| Net loans and leases to total assets | 45.3073% | 4,832 |
| Net loans and leases to deposits | 53.0568% | 4,837 |
| Net loans and leases to core deposits | 54.4058% | 4,901 |
| Total domestic deposits to total assets | 85.3939% | 2,792 |
| Equity capital to assets | 13.6991% | 977 |
| Core capital (leverage) ratio | 14.5060% | 763 |
| Tier 1 risk-based capital ratio | 29.5488% | 489 |
| Total risk-based capital ratio | 30.8096% | 484 |
| Memoranda: | ||
| Average total assets | $187,182,000 | 3,062 |
| Average earning assets | $183,082,500 | 2,965 |
| Average equity | $25,735,000 | 2,639 |
| Average total loans | $86,022,500 | 3,627 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 4,977 |
| Cost of funding earning assets | 0.4652% | 2,641 |
| Net interest margin | 2.9075% | 5,035 |
| Noninterest income to average assets | 0.2921% | 4,370 |
| Noninterest expense to average assets | 1.8989% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6870% | 3,652 |
| Return on assets (ROA) | 0.6969% | 3,669 |
| Pretax return on assets | 1.2435% | 2,578 |
| Return on Equity (ROE) | 4.9493% | 4,180 |
| Retained earnings to average equity (ytd only) | 0.4715% | 4,846 |
| Net charge-offs to loans | 0.0348% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 79.7241% | 774 |
| Efficiency ratio | 60.7270% | 4,155 |
| Assets per employee ($millions) | 6.2713% | 1,339 |
| Cash dividends to net income (ytd only)* | 90.4726% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 347 |
| Loan loss allowance to noncurrent loans | 178.6977% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 2,637 |
| Noncurrent loans to loans | 1.2537% | 1,402 |
| Net loans and leases to total assets | 44.5551% | 4,951 |
| Net loans and leases to deposits | 52.9031% | 4,936 |
| Net loans and leases to core deposits | 53.8811% | 5,006 |
| Total domestic deposits to total assets | 84.2203% | 3,116 |
| Equity capital to assets | 13.7977% | 961 |
| Core capital (leverage) ratio | 13.9686% | 841 |
| Tier 1 risk-based capital ratio | 28.8342% | 505 |
| Total risk-based capital ratio | 30.0941% | 498 |
| Memoranda: | ||
| Average total assets | $188,264,600 | 3,037 |
| Average earning assets | $183,561,400 | 2,926 |
| Average equity | $26,509,000 | 2,576 |
| Average total loans | $83,246,200 | 3,674 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 5,024 |
| Cost of funding earning assets | 0.4523% | 2,696 |
| Net interest margin | 2.9071% | 5,077 |
| Noninterest income to average assets | 0.2946% | 4,426 |
| Noninterest expense to average assets | 1.8715% | 5,171 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9102% | 2,975 |
| Return on assets (ROA) | 0.9340% | 2,918 |
| Pretax return on assets | 1.2866% | 2,562 |
| Return on Equity (ROE) | 6.5998% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.0079% | 3,537 |
| Net charge-offs to loans | 0.0516% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 55.3379% | 1,046 |
| Efficiency ratio | 59.8777% | 4,243 |
| Assets per employee ($millions) | 6.5447% | 1,155 |
| Cash dividends to net income (ytd only)* | 39.2723% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 360 |
| Loan loss allowance to noncurrent loans | 155.6818% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 2,557 |
| Noncurrent loans to loans | 1.4578% | 1,283 |
| Net loans and leases to total assets | 43.5170% | 5,052 |
| Net loans and leases to deposits | 51.3938% | 5,077 |
| Net loans and leases to core deposits | 52.3463% | 5,128 |
| Total domestic deposits to total assets | 84.6735% | 2,849 |
| Equity capital to assets | 14.4066% | 881 |
| Core capital (leverage) ratio | 14.3349% | 808 |
| Tier 1 risk-based capital ratio | 29.7336% | 485 |
| Total risk-based capital ratio | 30.9942% | 480 |
| Memoranda: | ||
| Average total assets | $188,295,750 | 3,062 |
| Average earning assets | $183,365,500 | 2,957 |
| Average equity | $26,646,500 | 2,584 |
| Average total loans | $82,621,000 | 3,711 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 5,029 |
| Cost of funding earning assets | 0.4344% | 2,761 |
| Net interest margin | 2.9184% | 5,062 |
| Noninterest income to average assets | 0.3078% | 4,336 |
| Noninterest expense to average assets | 1.8669% | 5,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9266% | 2,777 |
| Return on assets (ROA) | 0.9542% | 2,697 |
| Pretax return on assets | 1.3195% | 2,311 |
| Return on Equity (ROE) | 6.7842% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.8621% | 4,008 |
| Net charge-offs to loans | 0.1366% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 21.4821% | 1,747 |
| Efficiency ratio | 59.3031% | 4,422 |
| Assets per employee ($millions) | 6.5079% | 1,150 |
| Cash dividends to net income (ytd only)* | 57.8125% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 391 |
| Loan loss allowance to noncurrent loans | 162.8547% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 2,720 |
| Noncurrent loans to loans | 1.3918% | 1,383 |
| Net loans and leases to total assets | 43.2713% | 5,081 |
| Net loans and leases to deposits | 51.0400% | 5,103 |
| Net loans and leases to core deposits | 51.9881% | 5,146 |
| Total domestic deposits to total assets | 84.7793% | 2,896 |
| Equity capital to assets | 14.3019% | 881 |
| Core capital (leverage) ratio | 14.1268% | 823 |
| Tier 1 risk-based capital ratio | 29.7882% | 473 |
| Total risk-based capital ratio | 31.0489% | 466 |
| Memoranda: | ||
| Average total assets | $187,796,000 | 3,082 |
| Average earning assets | $182,772,670 | 2,976 |
| Average equity | $26,414,330 | 2,599 |
| Average total loans | $81,991,000 | 3,746 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 5,059 |
| Cost of funding earning assets | 0.4234% | 2,782 |
| Net interest margin | 2.9068% | 5,072 |
| Noninterest income to average assets | 0.3053% | 4,379 |
| Noninterest expense to average assets | 1.8492% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9308% | 2,610 |
| Return on assets (ROA) | 0.9523% | 2,575 |
| Pretax return on assets | 1.3153% | 2,182 |
| Return on Equity (ROE) | 6.8286% | 3,479 |
| Retained earnings to average equity (ytd only) | 6.8286% | 1,917 |
| Net charge-offs to loans | 0.3300% | 557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.9851% | 2,023 |
| Efficiency ratio | 58.9918% | 4,589 |
| Assets per employee ($millions) | 6.3596% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3164% | 405 |
| Loan loss allowance to noncurrent loans | 157.1786% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 2,749 |
| Noncurrent loans to loans | 1.4738% | 1,367 |
| Net loans and leases to total assets | 41.6198% | 5,182 |
| Net loans and leases to deposits | 48.8343% | 5,182 |
| Net loans and leases to core deposits | 49.7260% | 5,232 |
| Total domestic deposits to total assets | 85.2266% | 2,991 |
| Equity capital to assets | 13.8897% | 938 |
| Core capital (leverage) ratio | 14.3952% | 744 |
| Tier 1 risk-based capital ratio | 30.2556% | 470 |
| Total risk-based capital ratio | 31.5159% | 467 |
| Memoranda: | ||
| Average total assets | $187,329,000 | 3,113 |
| Average earning assets | $182,332,500 | 3,009 |
| Average equity | $26,125,500 | 2,629 |
| Average total loans | $81,206,500 | 3,791 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4174% | 4,947 |
| Cost of funding earning assets | 0.4496% | 2,538 |
| Net interest margin | 2.9678% | 5,020 |
| Noninterest income to average assets | 0.3181% | 4,462 |
| Noninterest expense to average assets | 1.9031% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9576% | 2,546 |
| Return on assets (ROA) | 0.9576% | 2,655 |
| Pretax return on assets | 1.3127% | 2,238 |
| Return on Equity (ROE) | 6.6921% | 3,646 |
| Retained earnings to average equity (ytd only) | 0.4793% | 5,137 |
| Net charge-offs to loans | 0.0647% | 2,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 45.2364% | 1,077 |
| Efficiency ratio | 59.1797% | 4,702 |
| Assets per employee ($millions) | 6.5668% | 1,116 |
| Cash dividends to net income (ytd only)* | 92.8375% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4037% | 354 |
| Loan loss allowance to noncurrent loans | 129.9134% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8163% | 2,307 |
| Noncurrent loans to loans | 1.8503% | 1,017 |
| Net loans and leases to total assets | 43.0600% | 5,174 |
| Net loans and leases to deposits | 50.6564% | 5,181 |
| Net loans and leases to core deposits | 51.7119% | 5,241 |
| Total domestic deposits to total assets | 85.0040% | 3,045 |
| Equity capital to assets | 14.0051% | 886 |
| Core capital (leverage) ratio | 14.1783% | 770 |
| Tier 1 risk-based capital ratio | 30.1040% | 476 |
| Total risk-based capital ratio | 31.3655% | 471 |
| Memoranda: | ||
| Average total assets | $189,535,000 | 3,062 |
| Average earning assets | $185,052,000 | 2,956 |
| Average equity | $27,121,600 | 2,561 |
| Average total loans | $85,033,600 | 3,685 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 4,958 |
| Cost of funding earning assets | 0.4565% | 2,490 |
| Net interest margin | 2.9722% | 5,064 |
| Noninterest income to average assets | 0.3086% | 4,563 |
| Noninterest expense to average assets | 1.8852% | 5,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9573% | 2,621 |
| Return on assets (ROA) | 0.9573% | 2,763 |
| Pretax return on assets | 1.3280% | 2,320 |
| Return on Equity (ROE) | 6.6557% | 3,749 |
| Retained earnings to average equity (ytd only) | 2.2526% | 4,568 |
| Net charge-offs to loans | 0.0279% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 105.6642% | 634 |
| Efficiency ratio | 58.6701% | 4,725 |
| Assets per employee ($millions) | 6.4561% | 1,136 |
| Cash dividends to net income (ytd only)* | 66.1561% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3491% | 408 |
| Loan loss allowance to noncurrent loans | 127.4535% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 2,449 |
| Noncurrent loans to loans | 1.8431% | 1,108 |
| Net loans and leases to total assets | 44.1173% | 5,181 |
| Net loans and leases to deposits | 52.4538% | 5,183 |
| Net loans and leases to core deposits | 53.6388% | 5,235 |
| Total domestic deposits to total assets | 84.1069% | 3,184 |
| Equity capital to assets | 14.9328% | 754 |
| Core capital (leverage) ratio | 14.4255% | 739 |
| Tier 1 risk-based capital ratio | 30.2233% | 472 |
| Total risk-based capital ratio | 31.4854% | 471 |
| Memoranda: | ||
| Average total assets | $190,951,500 | 3,065 |
| Average earning assets | $186,612,750 | 2,948 |
| Average equity | $27,464,250 | 2,557 |
| Average total loans | $86,011,000 | 3,681 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 5,077 |
| Cost of funding earning assets | 0.4631% | 2,446 |
| Net interest margin | 2.9393% | 5,189 |
| Noninterest income to average assets | 0.2883% | 4,725 |
| Noninterest expense to average assets | 1.8794% | 5,493 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9262% | 2,741 |
| Return on assets (ROA) | 0.9262% | 2,873 |
| Pretax return on assets | 1.2820% | 2,478 |
| Return on Equity (ROE) | 6.5202% | 3,791 |
| Retained earnings to average equity (ytd only) | -0.1245% | 5,312 |
| Net charge-offs to loans | 0.0116% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 246.4000% | 269 |
| Efficiency ratio | 59.4470% | 4,719 |
| Assets per employee ($millions) | 6.7421% | 980 |
| Cash dividends to net income (ytd only)* | 101.9101% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3304% | 445 |
| Loan loss allowance to noncurrent loans | 88.1834% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2072% | 1,717 |
| Noncurrent loans to loans | 2.6426% | 632 |
| Net loans and leases to total assets | 44.4029% | 5,207 |
| Net loans and leases to deposits | 52.6199% | 5,221 |
| Net loans and leases to core deposits | 53.7923% | 5,290 |
| Total domestic deposits to total assets | 84.3843% | 3,124 |
| Equity capital to assets | 14.6791% | 819 |
| Core capital (leverage) ratio | 13.8349% | 867 |
| Tier 1 risk-based capital ratio | 29.1924% | 529 |
| Total risk-based capital ratio | 30.4548% | 524 |
| Memoranda: | ||
| Average total assets | $192,193,330 | 3,068 |
| Average earning assets | $187,871,000 | 2,954 |
| Average equity | $27,299,670 | 2,573 |
| Average total loans | $86,486,000 | 3,679 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3638% | 5,196 |
| Cost of funding earning assets | 0.4691% | 2,375 |
| Net interest margin | 2.8948% | 5,328 |
| Noninterest income to average assets | 0.3012% | 4,573 |
| Noninterest expense to average assets | 1.8937% | 5,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8953% | 2,777 |
| Return on assets (ROA) | 0.8953% | 2,902 |
| Pretax return on assets | 1.2336% | 2,566 |
| Return on Equity (ROE) | 6.4073% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.4073% | 2,182 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5541% | 4,671 |
| Assets per employee ($millions) | 6.3992% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3209% | 498 |
| Loan loss allowance to noncurrent loans | 70.2031% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 1,376 |
| Noncurrent loans to loans | 3.3060% | 442 |
| Net loans and leases to total assets | 43.9550% | 5,239 |
| Net loans and leases to deposits | 51.9242% | 5,234 |
| Net loans and leases to core deposits | 53.1409% | 5,304 |
| Total domestic deposits to total assets | 84.6522% | 3,256 |
| Equity capital to assets | 14.3341% | 872 |
| Core capital (leverage) ratio | 13.9351% | 827 |
| Tier 1 risk-based capital ratio | 28.9218% | 552 |
| Total risk-based capital ratio | 30.1828% | 541 |
| Memoranda: | ||
| Average total assets | $193,901,000 | 3,057 |
| Average earning assets | $189,307,000 | 2,941 |
| Average equity | $27,094,000 | 2,592 |
| Average total loans | $86,817,500 | 3,688 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3167% | 5,315 |
| Cost of funding earning assets | 0.5019% | 2,139 |
| Net interest margin | 2.8149% | 5,482 |
| Noninterest income to average assets | 0.2954% | 4,772 |
| Noninterest expense to average assets | 1.8576% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8805% | 2,978 |
| Return on assets (ROA) | 0.8876% | 3,024 |
| Pretax return on assets | 1.1962% | 2,671 |
| Return on Equity (ROE) | 6.5953% | 3,736 |
| Retained earnings to average equity (ytd only) | 3.0181% | 3,906 |
| Net charge-offs to loans | 0.1407% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.4500% | 1,947 |
| Efficiency ratio | 61.0220% | 4,760 |
| Assets per employee ($millions) | 6.5275% | 1,086 |
| Cash dividends to net income (ytd only)* | 54.2383% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2981% | 515 |
| Loan loss allowance to noncurrent loans | 72.1483% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 1,365 |
| Noncurrent loans to loans | 3.1852% | 478 |
| Net loans and leases to total assets | 43.5295% | 5,307 |
| Net loans and leases to deposits | 50.9629% | 5,339 |
| Net loans and leases to core deposits | 51.9613% | 5,411 |
| Total domestic deposits to total assets | 85.4141% | 2,896 |
| Equity capital to assets | 13.6192% | 1,077 |
| Core capital (leverage) ratio | 13.3894% | 1,006 |
| Tier 1 risk-based capital ratio | 28.2145% | 589 |
| Total risk-based capital ratio | 29.4756% | 581 |
| Memoranda: | ||
| Average total assets | $196,710,000 | 2,977 |
| Average earning assets | $192,087,400 | 2,872 |
| Average equity | $26,473,400 | 2,598 |
| Average total loans | $85,277,200 | 3,694 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3085% | 5,392 |
| Cost of funding earning assets | 0.5023% | 2,188 |
| Net interest margin | 2.8062% | 5,569 |
| Noninterest income to average assets | 0.2979% | 4,809 |
| Noninterest expense to average assets | 1.8429% | 5,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8815% | 3,035 |
| Return on assets (ROA) | 0.8910% | 3,087 |
| Pretax return on assets | 1.2099% | 2,783 |
| Return on Equity (ROE) | 6.6402% | 3,817 |
| Retained earnings to average equity (ytd only) | 4.2788% | 3,420 |
| Net charge-offs to loans | 0.1887% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 14.7329% | 2,232 |
| Efficiency ratio | 60.6236% | 4,800 |
| Assets per employee ($millions) | 6.4244% | 1,101 |
| Cash dividends to net income (ytd only)* | 35.5621% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3482% | 542 |
| Loan loss allowance to noncurrent loans | 66.9673% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.6209% | 1,362 |
| Noncurrent loans to loans | 3.5066% | 445 |
| Net loans and leases to total assets | 43.2609% | 5,404 |
| Net loans and leases to deposits | 50.8545% | 5,431 |
| Net loans and leases to core deposits | 51.8675% | 5,510 |
| Total domestic deposits to total assets | 85.0679% | 2,977 |
| Equity capital to assets | 13.9903% | 1,026 |
| Core capital (leverage) ratio | 13.4730% | 1,027 |
| Tier 1 risk-based capital ratio | 29.3985% | 553 |
| Total risk-based capital ratio | 30.6610% | 543 |
| Memoranda: | ||
| Average total assets | $196,931,000 | 3,005 |
| Average earning assets | $192,427,500 | 2,894 |
| Average equity | $26,424,250 | 2,621 |
| Average total loans | $84,784,750 | 3,735 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 5,493 |
| Cost of funding earning assets | 0.4995% | 2,256 |
| Net interest margin | 2.7720% | 5,673 |
| Noninterest income to average assets | 0.3086% | 4,751 |
| Noninterest expense to average assets | 1.8212% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8814% | 2,982 |
| Return on assets (ROA) | 0.8814% | 3,097 |
| Pretax return on assets | 1.1960% | 2,795 |
| Return on Equity (ROE) | 6.6605% | 3,804 |
| Retained earnings to average equity (ytd only) | 3.0940% | 4,077 |
| Net charge-offs to loans | 0.1702% | 1,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.4722% | 1,909 |
| Efficiency ratio | 60.3610% | 4,935 |
| Assets per employee ($millions) | 6.8141% | 917 |
| Cash dividends to net income (ytd only)* | 53.5469% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4123% | 539 |
| Loan loss allowance to noncurrent loans | 66.3542% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 1,554 |
| Noncurrent loans to loans | 3.6356% | 471 |
| Net loans and leases to total assets | 42.0279% | 5,505 |
| Net loans and leases to deposits | 48.9581% | 5,557 |
| Net loans and leases to core deposits | 49.9786% | 5,617 |
| Total domestic deposits to total assets | 85.8448% | 2,776 |
| Equity capital to assets | 13.2631% | 1,269 |
| Core capital (leverage) ratio | 12.9990% | 1,170 |
| Tier 1 risk-based capital ratio | 29.0075% | 588 |
| Total risk-based capital ratio | 30.2700% | 581 |
| Memoranda: | ||
| Average total assets | $198,330,330 | 3,010 |
| Average earning assets | $193,794,000 | 2,892 |
| Average equity | $26,244,330 | 2,638 |
| Average total loans | $84,585,330 | 3,764 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,491 |
| Cost of funding earning assets | 0.4991% | 2,290 |
| Net interest margin | 2.7803% | 5,685 |
| Noninterest income to average assets | 0.2617% | 5,085 |
| Noninterest expense to average assets | 1.8159% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8616% | 2,950 |
| Return on assets (ROA) | 0.8616% | 3,068 |
| Pretax return on assets | 1.1596% | 2,839 |
| Return on Equity (ROE) | 6.5189% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.5189% | 2,233 |
| Net charge-offs to loans | 0.3463% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.8904% | 2,127 |
| Efficiency ratio | 61.0284% | 4,960 |
| Assets per employee ($millions) | 7.1553% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 573 |
| Loan loss allowance to noncurrent loans | 77.1429% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.3282% | 1,999 |
| Noncurrent loans to loans | 3.1703% | 647 |
| Net loans and leases to total assets | 40.8546% | 5,556 |
| Net loans and leases to deposits | 47.6601% | 5,581 |
| Net loans and leases to core deposits | 48.7571% | 5,641 |
| Total domestic deposits to total assets | 85.7208% | 3,081 |
| Equity capital to assets | 13.3339% | 1,247 |
| Core capital (leverage) ratio | 13.0620% | 1,136 |
| Tier 1 risk-based capital ratio | 29.4661% | 571 |
| Total risk-based capital ratio | 30.7293% | 558 |
| Memoranda: | ||
| Average total assets | $198,691,000 | 3,028 |
| Average earning assets | $193,937,000 | 2,907 |
| Average equity | $26,262,000 | 2,655 |
| Average total loans | $84,326,000 | 3,790 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3025% | 5,703 |
| Cost of funding earning assets | 0.5350% | 2,335 |
| Net interest margin | 2.7675% | 5,854 |
| Noninterest income to average assets | 0.3265% | 4,780 |
| Noninterest expense to average assets | 1.7380% | 6,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9221% | 2,765 |
| Return on assets (ROA) | 0.9221% | 2,862 |
| Pretax return on assets | 1.2897% | 2,279 |
| Return on Equity (ROE) | 7.5426% | 3,353 |
| Retained earnings to average equity (ytd only) | 3.9392% | 3,407 |
| Net charge-offs to loans | 0.1262% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 24.4954% | 1,533 |
| Efficiency ratio | 57.4027% | 5,522 |
| Assets per employee ($millions) | 6.5678% | 1,019 |
| Cash dividends to net income (ytd only)* | 47.7737% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5074% | 546 |
| Loan loss allowance to noncurrent loans | 74.8767% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 1,911 |
| Noncurrent loans to loans | 3.3487% | 634 |
| Net loans and leases to total assets | 41.9337% | 5,622 |
| Net loans and leases to deposits | 48.7512% | 5,645 |
| Net loans and leases to core deposits | 49.8101% | 5,720 |
| Total domestic deposits to total assets | 86.0157% | 2,830 |
| Equity capital to assets | 13.0992% | 1,315 |
| Core capital (leverage) ratio | 12.6455% | 1,285 |
| Tier 1 risk-based capital ratio | 29.1521% | 554 |
| Total risk-based capital ratio | 30.4171% | 540 |
| Memoranda: | ||
| Average total assets | $207,021,000 | 2,909 |
| Average earning assets | $202,062,000 | 2,786 |
| Average equity | $25,309,600 | 2,630 |
| Average total loans | $86,369,600 | 3,707 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 5,794 |
| Cost of funding earning assets | 0.5409% | 2,367 |
| Net interest margin | 2.7398% | 5,955 |
| Noninterest income to average assets | 0.3315% | 4,786 |
| Noninterest expense to average assets | 1.6692% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9660% | 2,618 |
| Return on assets (ROA) | 0.9660% | 2,683 |
| Pretax return on assets | 1.3376% | 2,244 |
| Return on Equity (ROE) | 8.0365% | 3,184 |
| Retained earnings to average equity (ytd only) | 5.6488% | 2,639 |
| Net charge-offs to loans | 0.2105% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.3433% | 2,061 |
| Efficiency ratio | 55.5132% | 5,703 |
| Assets per employee ($millions) | 6.8941% | 844 |
| Cash dividends to net income (ytd only)* | 29.7102% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5123% | 644 |
| Loan loss allowance to noncurrent loans | 72.2854% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.4505% | 2,129 |
| Noncurrent loans to loans | 3.4755% | 696 |
| Net loans and leases to total assets | 39.3443% | 5,855 |
| Net loans and leases to deposits | 45.3994% | 5,908 |
| Net loans and leases to core deposits | 46.4008% | 5,945 |
| Total domestic deposits to total assets | 86.6625% | 2,493 |
| Equity capital to assets | 12.4715% | 1,718 |
| Core capital (leverage) ratio | 12.3836% | 1,470 |
| Tier 1 risk-based capital ratio | 29.5269% | 554 |
| Total risk-based capital ratio | 30.7908% | 539 |
| Memoranda: | ||
| Average total assets | $209,517,500 | 2,906 |
| Average earning assets | $204,587,500 | 2,778 |
| Average equity | $25,184,500 | 2,655 |
| Average total loans | $86,774,750 | 3,733 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 5,825 |
| Cost of funding earning assets | 0.5520% | 2,333 |
| Net interest margin | 2.7308% | 6,013 |
| Noninterest income to average assets | 0.3526% | 4,604 |
| Noninterest expense to average assets | 1.6577% | 6,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9800% | 2,406 |
| Return on assets (ROA) | 0.9800% | 2,482 |
| Pretax return on assets | 1.3611% | 2,032 |
| Return on Equity (ROE) | 8.2542% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.6435% | 3,194 |
| Net charge-offs to loans | 0.2595% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 12.5614% | 2,047 |
| Efficiency ratio | 54.9118% | 5,836 |
| Assets per employee ($millions) | 6.8152% | 867 |
| Cash dividends to net income (ytd only)* | 43.7439% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 739 |
| Loan loss allowance to noncurrent loans | 66.8137% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.5156% | 2,148 |
| Noncurrent loans to loans | 3.7063% | 684 |
| Net loans and leases to total assets | 39.5180% | 5,858 |
| Net loans and leases to deposits | 45.3533% | 5,921 |
| Net loans and leases to core deposits | 46.3311% | 5,982 |
| Total domestic deposits to total assets | 87.1336% | 2,382 |
| Equity capital to assets | 12.0433% | 1,945 |
| Core capital (leverage) ratio | 11.7144% | 1,841 |
| Tier 1 risk-based capital ratio | 28.1871% | 630 |
| Total risk-based capital ratio | 29.4508% | 619 |
| Memoranda: | ||
| Average total assets | $210,415,670 | 2,910 |
| Average earning assets | $205,434,330 | 2,778 |
| Average equity | $24,981,330 | 2,662 |
| Average total loans | $87,876,330 | 3,719 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2971% | 5,847 |
| Cost of funding earning assets | 0.5687% | 2,253 |
| Net interest margin | 2.7284% | 6,066 |
| Noninterest income to average assets | 0.3238% | 4,775 |
| Noninterest expense to average assets | 1.6782% | 6,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9467% | 2,420 |
| Return on assets (ROA) | 0.9467% | 2,489 |
| Pretax return on assets | 1.3048% | 2,074 |
| Return on Equity (ROE) | 8.0323% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.0323% | 1,585 |
| Net charge-offs to loans | 0.4089% | 883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.5275% | 2,112 |
| Efficiency ratio | 56.2580% | 5,815 |
| Assets per employee ($millions) | 6.8461% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4530% | 860 |
| Loan loss allowance to noncurrent loans | 60.7082% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 1.6836% | 2,098 |
| Noncurrent loans to loans | 4.0406% | 664 |
| Net loans and leases to total assets | 40.1545% | 5,798 |
| Net loans and leases to deposits | 46.0397% | 5,847 |
| Net loans and leases to core deposits | 47.0278% | 5,934 |
| Total domestic deposits to total assets | 87.2172% | 2,688 |
| Equity capital to assets | 11.8621% | 1,970 |
| Core capital (leverage) ratio | 11.9331% | 1,691 |
| Tier 1 risk-based capital ratio | 27.3992% | 688 |
| Total risk-based capital ratio | 28.6624% | 671 |
| Memoranda: | ||
| Average total assets | $209,988,000 | 2,933 |
| Average earning assets | $204,665,000 | 2,802 |
| Average equity | $24,750,000 | 2,669 |
| Average total loans | $89,009,500 | 3,724 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 5,476 |
| Cost of funding earning assets | 0.6967% | 1,839 |
| Net interest margin | 2.8764% | 5,834 |
| Noninterest income to average assets | 0.2693% | 5,425 |
| Noninterest expense to average assets | 1.7062% | 6,434 |
| Loan and lease loss provision to assets | 0.0974% | 3,178 |
| Net operating income to assets | 0.9266% | 2,657 |
| Return on assets (ROA) | 0.9266% | 2,741 |
| Pretax return on assets | 1.2660% | 2,289 |
| Return on Equity (ROE) | 7.6853% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.2364% | 3,164 |
| Net charge-offs to loans | 0.2010% | 2,866 |
| Credit loss provision to net charge-offs | 110.4972% | 2,180 |
| Earnings coverage of net charge-offs (x) | 15.4696% | 1,863 |
| Efficiency ratio | 55.5838% | 5,991 |
| Assets per employee ($millions) | 6.7015% | 897 |
| Cash dividends to net income (ytd only)* | 44.8765% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4643% | 861 |
| Loan loss allowance to noncurrent loans | 57.9958% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.9071% | 1,894 |
| Noncurrent loans to loans | 4.2490% | 657 |
| Net loans and leases to total assets | 42.5626% | 5,787 |
| Net loans and leases to deposits | 48.6865% | 5,851 |
| Net loans and leases to core deposits | 49.8981% | 5,941 |
| Total domestic deposits to total assets | 87.4217% | 2,512 |
| Equity capital to assets | 11.7090% | 2,023 |
| Core capital (leverage) ratio | 11.6540% | 1,853 |
| Tier 1 risk-based capital ratio | 26.1232% | 765 |
| Total risk-based capital ratio | 27.3871% | 743 |
| Memoranda: | ||
| Average total assets | $205,373,400 | 2,968 |
| Average earning assets | $199,935,000 | 2,826 |
| Average equity | $24,761,400 | 2,649 |
| Average total loans | $90,029,800 | 3,691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,353 |
| Cost of funding earning assets | 0.7161% | 1,843 |
| Net interest margin | 2.9146% | 5,778 |
| Noninterest income to average assets | 0.2643% | 5,557 |
| Noninterest expense to average assets | 1.6831% | 6,487 |
| Loan and lease loss provision to assets | 0.1302% | 2,658 |
| Net operating income to assets | 0.9441% | 2,621 |
| Return on assets (ROA) | 0.9441% | 2,728 |
| Pretax return on assets | 1.2892% | 2,371 |
| Return on Equity (ROE) | 7.7734% | 3,248 |
| Retained earnings to average equity (ytd only) | 5.5754% | 2,679 |
| Net charge-offs to loans | 0.1498% | 3,048 |
| Credit loss provision to net charge-offs | 198.0198% | 1,223 |
| Earnings coverage of net charge-offs (x) | 21.5847% | 1,538 |
| Efficiency ratio | 54.2497% | 6,087 |
| Assets per employee ($millions) | 6.7995% | 818 |
| Cash dividends to net income (ytd only)* | 28.2756% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5702% | 860 |
| Loan loss allowance to noncurrent loans | 65.9635% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.7379% | 2,358 |
| Noncurrent loans to loans | 3.8963% | 917 |
| Net loans and leases to total assets | 43.0027% | 5,818 |
| Net loans and leases to deposits | 49.4047% | 5,875 |
| Net loans and leases to core deposits | 50.5836% | 5,980 |
| Total domestic deposits to total assets | 87.0417% | 2,670 |
| Equity capital to assets | 12.1166% | 1,852 |
| Core capital (leverage) ratio | 11.9843% | 1,680 |
| Tier 1 risk-based capital ratio | 26.3337% | 761 |
| Total risk-based capital ratio | 27.5987% | 741 |
| Memoranda: | ||
| Average total assets | $204,780,250 | 2,993 |
| Average earning assets | $199,406,250 | 2,858 |
| Average equity | $24,870,500 | 2,660 |
| Average total loans | $89,873,250 | 3,720 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 5,265 |
| Cost of funding earning assets | 0.7311% | 1,833 |
| Net interest margin | 2.9274% | 5,731 |
| Noninterest income to average assets | 0.2556% | 5,621 |
| Noninterest expense to average assets | 1.6933% | 6,502 |
| Loan and lease loss provision to assets | 0.1951% | 1,949 |
| Net operating income to assets | 0.9022% | 2,780 |
| Return on assets (ROA) | 0.9022% | 2,925 |
| Pretax return on assets | 1.2183% | 2,591 |
| Return on Equity (ROE) | 7.4232% | 3,381 |
| Retained earnings to average equity (ytd only) | 4.1329% | 3,658 |
| Net charge-offs to loans | 0.0713% | 3,690 |
| Credit loss provision to net charge-offs | 625.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 45.2813% | 852 |
| Efficiency ratio | 54.5055% | 6,107 |
| Assets per employee ($millions) | 6.6912% | 827 |
| Cash dividends to net income (ytd only)* | 44.3243% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6757% | 808 |
| Loan loss allowance to noncurrent loans | 70.5447% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 2,558 |
| Noncurrent loans to loans | 3.7929% | 1,074 |
| Net loans and leases to total assets | 43.1798% | 5,813 |
| Net loans and leases to deposits | 49.6131% | 5,874 |
| Net loans and leases to core deposits | 50.5120% | 5,997 |
| Total domestic deposits to total assets | 87.0332% | 2,799 |
| Equity capital to assets | 12.0831% | 1,859 |
| Core capital (leverage) ratio | 11.6869% | 1,809 |
| Tier 1 risk-based capital ratio | 25.9129% | 784 |
| Total risk-based capital ratio | 27.1794% | 764 |
| Memoranda: | ||
| Average total assets | $205,045,330 | 3,002 |
| Average earning assets | $199,697,330 | 2,876 |
| Average equity | $24,922,000 | 2,670 |
| Average total loans | $89,820,000 | 3,727 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 5,376 |
| Cost of funding earning assets | 0.7435% | 1,901 |
| Net interest margin | 2.8808% | 5,856 |
| Noninterest income to average assets | 0.2529% | 5,649 |
| Noninterest expense to average assets | 1.6448% | 6,626 |
| Loan and lease loss provision to assets | 0.2896% | 1,211 |
| Net operating income to assets | 0.8378% | 2,959 |
| Return on assets (ROA) | 0.8378% | 3,105 |
| Pretax return on assets | 1.1235% | 2,867 |
| Return on Equity (ROE) | 6.8738% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.8738% | 2,219 |
| Net charge-offs to loans | 0.0089% | 3,976 |
| Credit loss provision to net charge-offs | 7,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 100 |
| Efficiency ratio | 53.7879% | 6,248 |
| Assets per employee ($millions) | 7.1724% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6708% | 943 |
| Loan loss allowance to noncurrent loans | 60.5742% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9510% | 2,410 |
| Noncurrent loans to loans | 4.4092% | 962 |
| Net loans and leases to total assets | 41.3993% | 5,883 |
| Net loans and leases to deposits | 47.6159% | 5,949 |
| Net loans and leases to core deposits | 48.4453% | 6,072 |
| Total domestic deposits to total assets | 86.9443% | 2,998 |
| Equity capital to assets | 12.1951% | 1,910 |
| Core capital (leverage) ratio | 11.5380% | 1,855 |
| Tier 1 risk-based capital ratio | 25.4950% | 840 |
| Total risk-based capital ratio | 26.7603% | 826 |
| Memoranda: | ||
| Average total assets | $207,200,500 | 3,011 |
| Average earning assets | $201,750,000 | 2,878 |
| Average equity | $25,255,500 | 2,682 |
| Average total loans | $90,200,000 | 3,745 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 5,162 |
| Cost of funding earning assets | 0.8832% | 2,053 |
| Net interest margin | 3.1623% | 5,662 |
| Noninterest income to average assets | 0.2474% | 5,691 |
| Noninterest expense to average assets | 1.7707% | 6,660 |
| Loan and lease loss provision to assets | 0.2793% | 2,417 |
| Net operating income to assets | 0.9302% | 2,645 |
| Return on assets (ROA) | 0.9302% | 2,893 |
| Pretax return on assets | 1.2549% | 2,589 |
| Return on Equity (ROE) | 7.3319% | 3,448 |
| Retained earnings to average equity (ytd only) | 1.0497% | 5,349 |
| Net charge-offs to loans | 0.9450% | 1,170 |
| Credit loss provision to net charge-offs | 61.0022% | 4,419 |
| Earnings coverage of net charge-offs (x) | 3.3508% | 3,769 |
| Efficiency ratio | 53.5768% | 6,309 |
| Assets per employee ($millions) | 6.6581% | 916 |
| Cash dividends to net income (ytd only)* | 85.6836% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4095% | 1,217 |
| Loan loss allowance to noncurrent loans | 58.5979% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 2,480 |
| Noncurrent loans to loans | 4.1120% | 1,127 |
| Net loans and leases to total assets | 43.4646% | 5,865 |
| Net loans and leases to deposits | 49.9719% | 5,958 |
| Net loans and leases to core deposits | 50.7722% | 6,101 |
| Total domestic deposits to total assets | 86.9782% | 2,855 |
| Equity capital to assets | 12.1827% | 1,924 |
| Core capital (leverage) ratio | 11.2950% | 2,017 |
| Tier 1 risk-based capital ratio | 25.6858% | 795 |
| Total risk-based capital ratio | 26.9502% | 787 |
| Memoranda: | ||
| Average total assets | $200,486,800 | 3,033 |
| Average earning assets | $193,843,200 | 2,916 |
| Average equity | $25,436,800 | 2,613 |
| Average total loans | $97,144,000 | 3,591 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 5,061 |
| Cost of funding earning assets | 0.9065% | 2,130 |
| Net interest margin | 3.2285% | 5,622 |
| Noninterest income to average assets | 0.2298% | 5,902 |
| Noninterest expense to average assets | 1.7332% | 6,755 |
| Loan and lease loss provision to assets | 0.1742% | 3,390 |
| Net operating income to assets | 1.0358% | 2,337 |
| Return on assets (ROA) | 1.0358% | 2,559 |
| Pretax return on assets | 1.4411% | 2,110 |
| Return on Equity (ROE) | 8.0804% | 3,249 |
| Retained earnings to average equity (ytd only) | 5.9375% | 2,739 |
| Net charge-offs to loans | 1.2053% | 809 |
| Credit loss provision to net charge-offs | 29.2135% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.7090% | 3,950 |
| Efficiency ratio | 51.7607% | 6,471 |
| Assets per employee ($millions) | 6.2413% | 1,103 |
| Cash dividends to net income (ytd only)* | 26.5199% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 1,995 |
| Loan loss allowance to noncurrent loans | 51.4293% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 2.0534% | 2,579 |
| Noncurrent loans to loans | 4.0180% | 1,270 |
| Net loans and leases to total assets | 46.1063% | 5,753 |
| Net loans and leases to deposits | 53.6507% | 5,830 |
| Net loans and leases to core deposits | 54.6282% | 5,997 |
| Total domestic deposits to total assets | 85.9379% | 3,290 |
| Equity capital to assets | 13.1023% | 1,546 |
| Core capital (leverage) ratio | 12.1633% | 1,554 |
| Tier 1 risk-based capital ratio | 26.2003% | 809 |
| Total risk-based capital ratio | 27.4612% | 788 |
| Memoranda: | ||
| Average total assets | $199,008,500 | 3,090 |
| Average earning assets | $192,241,750 | 2,962 |
| Average equity | $25,509,750 | 2,638 |
| Average total loans | $98,448,500 | 3,602 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 5,025 |
| Cost of funding earning assets | 0.9175% | 2,273 |
| Net interest margin | 3.2627% | 5,560 |
| Noninterest income to average assets | 0.2153% | 6,024 |
| Noninterest expense to average assets | 1.6954% | 6,843 |
| Loan and lease loss provision to assets | 0.1207% | 4,017 |
| Net operating income to assets | 1.1018% | 2,040 |
| Return on assets (ROA) | 1.1018% | 2,260 |
| Pretax return on assets | 1.5515% | 1,708 |
| Return on Equity (ROE) | 8.6594% | 2,963 |
| Retained earnings to average equity (ytd only) | 5.4171% | 3,034 |
| Net charge-offs to loans | 1.2850% | 834 |
| Credit loss provision to net charge-offs | 18.6916% | 4,630 |
| Earnings coverage of net charge-offs (x) | 2.5888% | 3,707 |
| Efficiency ratio | 50.3436% | 6,623 |
| Assets per employee ($millions) | 6.3644% | 1,029 |
| Cash dividends to net income (ytd only)* | 37.4429% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,958 |
| Loan loss allowance to noncurrent loans | 69.6198% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.5738% | 3,350 |
| Noncurrent loans to loans | 3.0408% | 1,938 |
| Net loans and leases to total assets | 48.0656% | 5,606 |
| Net loans and leases to deposits | 56.1508% | 5,633 |
| Net loans and leases to core deposits | 57.2875% | 5,834 |
| Total domestic deposits to total assets | 85.6009% | 3,566 |
| Equity capital to assets | 13.0210% | 1,507 |
| Core capital (leverage) ratio | 11.8594% | 1,677 |
| Tier 1 risk-based capital ratio | 25.7635% | 827 |
| Total risk-based capital ratio | 27.0258% | 809 |
| Memoranda: | ||
| Average total assets | $198,771,000 | 3,094 |
| Average earning assets | $192,048,330 | 2,970 |
| Average equity | $25,290,330 | 2,635 |
| Average total loans | $99,922,330 | 3,573 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 4,912 |
| Cost of funding earning assets | 0.9316% | 2,429 |
| Net interest margin | 3.3219% | 5,398 |
| Noninterest income to average assets | 0.2546% | 5,822 |
| Noninterest expense to average assets | 1.6721% | 6,923 |
| Loan and lease loss provision to assets | 0.1203% | 3,843 |
| Net operating income to assets | 1.1689% | 1,830 |
| Return on assets (ROA) | 1.1689% | 2,011 |
| Pretax return on assets | 1.6721% | 1,374 |
| Return on Equity (ROE) | 9.2944% | 2,687 |
| Retained earnings to average equity (ytd only) | 9.2944% | 1,481 |
| Net charge-offs to loans | 2.3580% | 360 |
| Credit loss provision to net charge-offs | 10.0334% | 3,903 |
| Earnings coverage of net charge-offs (x) | 1.4950% | 3,578 |
| Efficiency ratio | 48.2639% | 6,786 |
| Assets per employee ($millions) | 6.7391% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0353% | 2,253 |
| Loan loss allowance to noncurrent loans | 72.4199% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4631% | 3,670 |
| Noncurrent loans to loans | 2.8104% | 2,293 |
| Net loans and leases to total assets | 48.4484% | 5,501 |
| Net loans and leases to deposits | 56.2449% | 5,570 |
| Net loans and leases to core deposits | 57.5134% | 5,757 |
| Total domestic deposits to total assets | 86.1382% | 3,451 |
| Equity capital to assets | 12.5575% | 1,685 |
| Core capital (leverage) ratio | 11.8882% | 1,653 |
| Tier 1 risk-based capital ratio | 24.7358% | 928 |
| Total risk-based capital ratio | 25.9965% | 914 |
| Memoranda: | ||
| Average total assets | $199,508,000 | 3,110 |
| Average earning assets | $192,783,000 | 2,991 |
| Average equity | $25,090,500 | 2,651 |
| Average total loans | $101,442,000 | 3,553 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 5,065 |
| Cost of funding earning assets | 1.0518% | 3,002 |
| Net interest margin | 3.4494% | 5,336 |
| Noninterest income to average assets | 0.2301% | 5,889 |
| Noninterest expense to average assets | 1.9010% | 6,828 |
| Loan and lease loss provision to assets | 0.6177% | 1,669 |
| Net operating income to assets | 0.8075% | 3,004 |
| Return on assets (ROA) | 0.8087% | 3,168 |
| Pretax return on assets | 1.0537% | 3,023 |
| Return on Equity (ROE) | 6.5377% | 3,623 |
| Retained earnings to average equity (ytd only) | 3.1669% | 3,962 |
| Net charge-offs to loans | 0.1664% | 4,820 |
| Credit loss provision to net charge-offs | 705.8824% | 310 |
| Earnings coverage of net charge-offs (x) | 19.0824% | 1,184 |
| Efficiency ratio | 53.2363% | 6,583 |
| Assets per employee ($millions) | 6.3497% | 1,028 |
| Cash dividends to net income (ytd only)* | 51.5595% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,314 |
| Loan loss allowance to noncurrent loans | 94.7349% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.4550% | 3,802 |
| Noncurrent loans to loans | 2.6395% | 2,464 |
| Net loans and leases to total assets | 50.9678% | 5,466 |
| Net loans and leases to deposits | 59.1374% | 5,582 |
| Net loans and leases to core deposits | 60.6097% | 5,790 |
| Total domestic deposits to total assets | 86.1854% | 3,207 |
| Equity capital to assets | 12.5954% | 1,749 |
| Core capital (leverage) ratio | 11.7776% | 1,721 |
| Tier 1 risk-based capital ratio | 23.7541% | 989 |
| Total risk-based capital ratio | 24.9885% | 979 |
| Memoranda: | ||
| Average total assets | $194,262,600 | 3,125 |
| Average earning assets | $188,146,200 | 2,987 |
| Average equity | $24,029,800 | 2,664 |
| Average total loans | $102,190,000 | 3,567 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 5,123 |
| Cost of funding earning assets | 1.0749% | 3,145 |
| Net interest margin | 3.4649% | 5,336 |
| Noninterest income to average assets | 0.2176% | 6,051 |
| Noninterest expense to average assets | 1.9419% | 6,805 |
| Loan and lease loss provision to assets | 0.3099% | 3,048 |
| Net operating income to assets | 0.9626% | 2,471 |
| Return on assets (ROA) | 0.9641% | 2,633 |
| Pretax return on assets | 1.3263% | 2,196 |
| Return on Equity (ROE) | 7.8301% | 3,115 |
| Retained earnings to average equity (ytd only) | 5.5874% | 2,803 |
| Net charge-offs to loans | 0.1673% | 4,453 |
| Credit loss provision to net charge-offs | 351.5625% | 805 |
| Earnings coverage of net charge-offs (x) | 18.5393% | 1,301 |
| Efficiency ratio | 54.3039% | 6,452 |
| Assets per employee ($millions) | 6.0311% | 1,183 |
| Cash dividends to net income (ytd only)* | 28.6427% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 2,781 |
| Loan loss allowance to noncurrent loans | 77.9356% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 4,173 |
| Noncurrent loans to loans | 2.3722% | 2,925 |
| Net loans and leases to total assets | 51.3024% | 5,541 |
| Net loans and leases to deposits | 59.8684% | 5,645 |
| Net loans and leases to core deposits | 61.1893% | 5,887 |
| Total domestic deposits to total assets | 85.6919% | 3,390 |
| Equity capital to assets | 13.0853% | 1,574 |
| Core capital (leverage) ratio | 12.0450% | 1,682 |
| Tier 1 risk-based capital ratio | 24.9832% | 915 |
| Total risk-based capital ratio | 26.2418% | 905 |
| Memoranda: | ||
| Average total assets | $193,617,750 | 3,153 |
| Average earning assets | $187,665,500 | 3,002 |
| Average equity | $23,839,000 | 2,691 |
| Average total loans | $102,012,750 | 3,597 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 5,220 |
| Cost of funding earning assets | 1.0997% | 3,239 |
| Net interest margin | 3.4396% | 5,405 |
| Noninterest income to average assets | 0.2157% | 6,123 |
| Noninterest expense to average assets | 2.0028% | 6,784 |
| Loan and lease loss provision to assets | 0.3096% | 2,935 |
| Net operating income to assets | 0.9027% | 2,624 |
| Return on assets (ROA) | 0.9049% | 2,720 |
| Pretax return on assets | 1.2403% | 2,343 |
| Return on Equity (ROE) | 7.5062% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.0741% | 3,608 |
| Net charge-offs to loans | 0.1895% | 4,020 |
| Credit loss provision to net charge-offs | 309.2784% | 980 |
| Earnings coverage of net charge-offs (x) | 15.4536% | 1,404 |
| Efficiency ratio | 56.4244% | 6,376 |
| Assets per employee ($millions) | 6.2571% | 1,044 |
| Cash dividends to net income (ytd only)* | 45.7241% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 3,244 |
| Loan loss allowance to noncurrent loans | 82.9060% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 4,517 |
| Noncurrent loans to loans | 2.0811% | 3,372 |
| Net loans and leases to total assets | 51.2718% | 5,659 |
| Net loans and leases to deposits | 59.3378% | 5,791 |
| Net loans and leases to core deposits | 61.8921% | 5,906 |
| Total domestic deposits to total assets | 86.4067% | 3,094 |
| Equity capital to assets | 12.4519% | 1,811 |
| Core capital (leverage) ratio | 11.7197% | 1,769 |
| Tier 1 risk-based capital ratio | 24.0467% | 1,004 |
| Total risk-based capital ratio | 25.3034% | 983 |
| Memoranda: | ||
| Average total assets | $193,825,330 | 3,172 |
| Average earning assets | $187,868,000 | 3,032 |
| Average equity | $23,367,330 | 2,718 |
| Average total loans | $102,391,670 | 3,618 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 5,343 |
| Cost of funding earning assets | 1.1238% | 3,342 |
| Net interest margin | 3.3736% | 5,529 |
| Noninterest income to average assets | 0.2312% | 6,065 |
| Noninterest expense to average assets | 2.2007% | 6,421 |
| Loan and lease loss provision to assets | 0.3097% | 2,693 |
| Net operating income to assets | 0.7453% | 3,299 |
| Return on assets (ROA) | 0.7453% | 3,365 |
| Pretax return on assets | 0.9868% | 3,173 |
| Return on Equity (ROE) | 6.2852% | 3,735 |
| Retained earnings to average equity (ytd only) | 6.2852% | 2,470 |
| Net charge-offs to loans | 0.0893% | 4,053 |
| Credit loss provision to net charge-offs | 652.1739% | 577 |
| Earnings coverage of net charge-offs (x) | 27.3043% | 904 |
| Efficiency ratio | 62.9280% | 5,535 |
| Assets per employee ($millions) | 6.5319% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6409% | 3,570 |
| Loan loss allowance to noncurrent loans | 104.6366% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 4,858 |
| Noncurrent loans to loans | 1.5682% | 4,126 |
| Net loans and leases to total assets | 51.0852% | 5,705 |
| Net loans and leases to deposits | 58.5221% | 5,878 |
| Net loans and leases to core deposits | 61.3806% | 5,981 |
| Total domestic deposits to total assets | 87.2921% | 2,768 |
| Equity capital to assets | 11.7888% | 2,052 |
| Core capital (leverage) ratio | 11.7149% | 1,730 |
| Tier 1 risk-based capital ratio | 22.6694% | 1,126 |
| Total risk-based capital ratio | 23.9248% | 1,104 |
| Memoranda: | ||
| Average total assets | $193,753,000 | 3,193 |
| Average earning assets | $187,571,500 | 3,045 |
| Average equity | $22,974,500 | 2,750 |
| Average total loans | $102,988,500 | 3,640 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 5,512 |
| Cost of funding earning assets | 1.4060% | 3,222 |
| Net interest margin | 3.3681% | 5,735 |
| Noninterest income to average assets | 0.2757% | 5,811 |
| Noninterest expense to average assets | 1.9433% | 7,104 |
| Loan and lease loss provision to assets | 0.3752% | 3,875 |
| Net operating income to assets | 0.8568% | 2,560 |
| Return on assets (ROA) | 0.8655% | 2,671 |
| Pretax return on assets | 1.2184% | 2,165 |
| Return on Equity (ROE) | 6.7105% | 3,255 |
| Retained earnings to average equity (ytd only) | 1.1637% | 4,963 |
| Net charge-offs to loans | 0.6959% | 2,920 |
| Credit loss provision to net charge-offs | 92.2131% | 5,031 |
| Earnings coverage of net charge-offs (x) | 3.8866% | 3,145 |
| Efficiency ratio | 55.1333% | 6,697 |
| Assets per employee ($millions) | 6.3850% | 1,000 |
| Cash dividends to net income (ytd only)* | 82.6590% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 4,118 |
| Loan loss allowance to noncurrent loans | 68.8532% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 4,050 |
| Noncurrent loans to loans | 2.1506% | 3,365 |
| Net loans and leases to total assets | 53.5941% | 5,690 |
| Net loans and leases to deposits | 61.4887% | 5,898 |
| Net loans and leases to core deposits | 64.4325% | 6,017 |
| Total domestic deposits to total assets | 87.1610% | 2,738 |
| Equity capital to assets | 11.9280% | 1,953 |
| Core capital (leverage) ratio | 11.9661% | 1,573 |
| Tier 1 risk-based capital ratio | 22.2868% | 1,136 |
| Total risk-based capital ratio | 23.5399% | 1,113 |
| Memoranda: | ||
| Average total assets | $179,901,600 | 3,379 |
| Average earning assets | $173,538,600 | 3,216 |
| Average equity | $23,202,600 | 2,736 |
| Average total loans | $105,187,400 | 3,648 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 5,527 |
| Cost of funding earning assets | 1.4741% | 3,124 |
| Net interest margin | 3.3609% | 5,801 |
| Noninterest income to average assets | 0.2644% | 6,002 |
| Noninterest expense to average assets | 1.9797% | 7,086 |
| Loan and lease loss provision to assets | 0.2825% | 4,320 |
| Net operating income to assets | 0.8751% | 2,712 |
| Return on assets (ROA) | 0.8867% | 2,805 |
| Pretax return on assets | 1.2580% | 2,309 |
| Return on Equity (ROE) | 6.7377% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.5109% | 3,337 |
| Net charge-offs to loans | 0.4553% | 3,474 |
| Credit loss provision to net charge-offs | 104.1667% | 4,116 |
| Earnings coverage of net charge-offs (x) | 5.6194% | 2,706 |
| Efficiency ratio | 56.5040% | 6,488 |
| Assets per employee ($millions) | 6.0215% | 1,224 |
| Cash dividends to net income (ytd only)* | 33.0500% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 3,913 |
| Loan loss allowance to noncurrent loans | 72.3891% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 4,231 |
| Noncurrent loans to loans | 2.0870% | 3,583 |
| Net loans and leases to total assets | 58.2825% | 5,216 |
| Net loans and leases to deposits | 68.4086% | 5,364 |
| Net loans and leases to core deposits | 71.6210% | 5,560 |
| Total domestic deposits to total assets | 85.1976% | 3,516 |
| Equity capital to assets | 13.5071% | 1,346 |
| Core capital (leverage) ratio | 12.6564% | 1,357 |
| Tier 1 risk-based capital ratio | 23.2219% | 1,035 |
| Total risk-based capital ratio | 24.4513% | 1,013 |
| Memoranda: | ||
| Average total assets | $176,989,750 | 3,464 |
| Average earning assets | $170,584,250 | 3,317 |
| Average equity | $23,291,250 | 2,772 |
| Average total loans | $105,433,750 | 3,694 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 5,719 |
| Cost of funding earning assets | 1.5424% | 2,998 |
| Net interest margin | 3.2787% | 6,083 |
| Noninterest income to average assets | 0.2617% | 6,044 |
| Noninterest expense to average assets | 1.9582% | 7,173 |
| Loan and lease loss provision to assets | 0.1991% | 4,877 |
| Net operating income to assets | 0.8879% | 2,594 |
| Return on assets (ROA) | 0.8727% | 2,779 |
| Pretax return on assets | 1.2391% | 2,295 |
| Return on Equity (ROE) | 6.6924% | 3,442 |
| Retained earnings to average equity (ytd only) | 3.2982% | 4,004 |
| Net charge-offs to loans | 0.5965% | 2,735 |
| Credit loss provision to net charge-offs | 55.9105% | 5,299 |
| Earnings coverage of net charge-offs (x) | 4.0990% | 3,053 |
| Efficiency ratio | 57.2903% | 6,475 |
| Assets per employee ($millions) | 5.9568% | 1,257 |
| Cash dividends to net income (ytd only)* | 50.7171% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 4,576 |
| Loan loss allowance to noncurrent loans | 80.6737% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 4,463 |
| Noncurrent loans to loans | 1.6992% | 4,138 |
| Net loans and leases to total assets | 58.8219% | 5,279 |
| Net loans and leases to deposits | 68.6044% | 5,473 |
| Net loans and leases to core deposits | 72.9584% | 5,560 |
| Total domestic deposits to total assets | 85.7407% | 3,240 |
| Equity capital to assets | 13.1323% | 1,507 |
| Core capital (leverage) ratio | 12.6788% | 1,334 |
| Tier 1 risk-based capital ratio | 23.1915% | 1,040 |
| Total risk-based capital ratio | 24.4450% | 1,014 |
| Memoranda: | ||
| Average total assets | $175,771,000 | 3,508 |
| Average earning assets | $169,212,000 | 3,350 |
| Average equity | $22,921,670 | 2,805 |
| Average total loans | $104,945,000 | 3,743 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 5,933 |
| Cost of funding earning assets | 1.6024% | 2,945 |
| Net interest margin | 3.1858% | 6,334 |
| Noninterest income to average assets | 0.2318% | 6,299 |
| Noninterest expense to average assets | 1.9827% | 7,190 |
| Loan and lease loss provision to assets | 0.1721% | 4,804 |
| Net operating income to assets | 0.8208% | 2,879 |
| Return on assets (ROA) | 0.7894% | 3,129 |
| Pretax return on assets | 1.0992% | 2,735 |
| Return on Equity (ROE) | 6.0755% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.0755% | 2,585 |
| Net charge-offs to loans | 0.2228% | 3,598 |
| Credit loss provision to net charge-offs | 129.3103% | 2,734 |
| Earnings coverage of net charge-offs (x) | 9.8793% | 1,798 |
| Efficiency ratio | 60.1253% | 6,151 |
| Assets per employee ($millions) | 5.7954% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 3,662 |
| Loan loss allowance to noncurrent loans | 64.2176% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6122% | 4,072 |
| Noncurrent loans to loans | 2.4139% | 3,260 |
| Net loans and leases to total assets | 59.0660% | 5,277 |
| Net loans and leases to deposits | 68.8431% | 5,489 |
| Net loans and leases to core deposits | 74.3497% | 5,463 |
| Total domestic deposits to total assets | 85.7980% | 3,261 |
| Equity capital to assets | 13.1713% | 1,459 |
| Core capital (leverage) ratio | 12.9403% | 1,230 |
| Tier 1 risk-based capital ratio | 24.0433% | 961 |
| Total risk-based capital ratio | 25.2990% | 943 |
| Memoranda: | ||
| Average total assets | $174,304,500 | 3,588 |
| Average earning assets | $167,746,000 | 3,434 |
| Average equity | $22,648,500 | 2,855 |
| Average total loans | $104,128,500 | 3,823 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 6,000 |
| Cost of funding earning assets | 1.8522% | 3,725 |
| Net interest margin | 3.2679% | 5,865 |
| Noninterest income to average assets | 0.2602% | 6,253 |
| Noninterest expense to average assets | 2.0528% | 7,280 |
| Loan and lease loss provision to assets | 0.1807% | 5,891 |
| Net operating income to assets | 0.7770% | 2,613 |
| Return on assets (ROA) | 0.7933% | 2,649 |
| Pretax return on assets | 1.1252% | 2,170 |
| Return on Equity (ROE) | 5.9480% | 3,233 |
| Retained earnings to average equity (ytd only) | 3.7531% | 2,567 |
| Net charge-offs to loans | 0.5153% | 3,715 |
| Credit loss provision to net charge-offs | 55.3506% | 6,690 |
| Earnings coverage of net charge-offs (x) | 3.9299% | 3,137 |
| Efficiency ratio | 61.5385% | 6,233 |
| Assets per employee ($millions) | 5.8249% | 1,370 |
| Cash dividends to net income (ytd only)* | 36.9021% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 3,534 |
| Loan loss allowance to noncurrent loans | 70.9849% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 4,355 |
| Noncurrent loans to loans | 2.1684% | 3,430 |
| Net loans and leases to total assets | 58.5684% | 5,561 |
| Net loans and leases to deposits | 67.9651% | 5,832 |
| Net loans and leases to core deposits | 84.6072% | 5,665 |
| Total domestic deposits to total assets | 86.1742% | 2,917 |
| Equity capital to assets | 12.8169% | 1,589 |
| Core capital (leverage) ratio | 12.7032% | 1,350 |
| Tier 1 risk-based capital ratio | 23.7613% | 970 |
| Total risk-based capital ratio | 25.0161% | 951 |
| Memoranda: | ||
| Average total assets | $166,018,600 | 3,674 |
| Average earning assets | $156,245,000 | 3,591 |
| Average equity | $22,141,800 | 2,934 |
| Average total loans | $105,171,800 | 3,799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1558% | 6,080 |
| Cost of funding earning assets | 1.8902% | 3,931 |
| Net interest margin | 3.2656% | 5,772 |
| Noninterest income to average assets | 0.2572% | 6,394 |
| Noninterest expense to average assets | 2.0434% | 7,302 |
| Loan and lease loss provision to assets | 0.1831% | 5,531 |
| Net operating income to assets | 0.7617% | 2,976 |
| Return on assets (ROA) | 0.7617% | 3,040 |
| Pretax return on assets | 1.0872% | 2,619 |
| Return on Equity (ROE) | 5.6526% | 3,666 |
| Retained earnings to average equity (ytd only) | 4.9339% | 2,530 |
| Net charge-offs to loans | 0.6118% | 2,840 |
| Credit loss provision to net charge-offs | 46.4876% | 6,360 |
| Earnings coverage of net charge-offs (x) | 3.2252% | 3,627 |
| Efficiency ratio | 61.6650% | 6,172 |
| Assets per employee ($millions) | 6.0816% | 1,176 |
| Cash dividends to net income (ytd only)* | 12.7134% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 3,332 |
| Loan loss allowance to noncurrent loans | 124.8423% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 5,420 |
| Noncurrent loans to loans | 1.2168% | 4,913 |
| Net loans and leases to total assets | 60.2672% | 5,543 |
| Net loans and leases to deposits | 70.4336% | 5,858 |
| Net loans and leases to core deposits | 87.8031% | 5,660 |
| Total domestic deposits to total assets | 85.5660% | 2,934 |
| Equity capital to assets | 13.2648% | 1,591 |
| Core capital (leverage) ratio | 13.1239% | 1,344 |
| Tier 1 risk-based capital ratio | 24.4241% | 959 |
| Total risk-based capital ratio | 25.6806% | 940 |
| Memoranda: | ||
| Average total assets | $163,836,750 | 3,728 |
| Average earning assets | $153,350,250 | 3,663 |
| Average equity | $22,078,000 | 2,967 |
| Average total loans | $105,478,250 | 3,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1640% | 6,212 |
| Cost of funding earning assets | 1.9465% | 4,026 |
| Net interest margin | 3.2175% | 5,849 |
| Noninterest income to average assets | 0.2573% | 6,438 |
| Noninterest expense to average assets | 2.0818% | 7,310 |
| Loan and lease loss provision to assets | 0.1855% | 5,174 |
| Net operating income to assets | 0.6642% | 3,412 |
| Return on assets (ROA) | 0.6642% | 3,522 |
| Pretax return on assets | 0.9648% | 3,130 |
| Return on Equity (ROE) | 4.9023% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.8160% | 3,171 |
| Net charge-offs to loans | 0.7025% | 2,296 |
| Credit loss provision to net charge-offs | 40.3226% | 5,899 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,814 |
| Efficiency ratio | 64.4087% | 5,825 |
| Assets per employee ($millions) | 5.8196% | 1,327 |
| Cash dividends to net income (ytd only)* | 22.1601% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,015 |
| Loan loss allowance to noncurrent loans | 124.6154% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 5,396 |
| Noncurrent loans to loans | 1.2303% | 4,750 |
| Net loans and leases to total assets | 63.8504% | 5,015 |
| Net loans and leases to deposits | 74.8091% | 5,344 |
| Net loans and leases to core deposits | 92.0710% | 5,343 |
| Total domestic deposits to total assets | 85.3512% | 3,088 |
| Equity capital to assets | 13.5221% | 1,485 |
| Core capital (leverage) ratio | 13.3417% | 1,314 |
| Tier 1 risk-based capital ratio | 24.1746% | 1,015 |
| Total risk-based capital ratio | 25.4310% | 996 |
| Memoranda: | ||
| Average total assets | $161,687,330 | 3,788 |
| Average earning assets | $149,495,330 | 3,758 |
| Average equity | $21,908,000 | 2,980 |
| Average total loans | $105,901,330 | 3,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 5,877 |
| Cost of funding earning assets | 2.0737% | 3,779 |
| Net interest margin | 3.2304% | 5,756 |
| Noninterest income to average assets | 0.2533% | 6,435 |
| Noninterest expense to average assets | 1.9099% | 7,526 |
| Loan and lease loss provision to assets | 0.1863% | 4,577 |
| Net operating income to assets | 0.7451% | 3,369 |
| Return on assets (ROA) | 0.7451% | 3,546 |
| Pretax return on assets | 1.0704% | 3,098 |
| Return on Equity (ROE) | 5.4932% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.4932% | 2,863 |
| Net charge-offs to loans | 1.0753% | 1,265 |
| Credit loss provision to net charge-offs | 26.3158% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.7754% | 3,844 |
| Efficiency ratio | 60.3137% | 6,350 |
| Assets per employee ($millions) | 5.8181% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 2,704 |
| Loan loss allowance to noncurrent loans | 131.8255% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 5,141 |
| Noncurrent loans to loans | 1.1789% | 4,616 |
| Net loans and leases to total assets | 63.4587% | 5,082 |
| Net loans and leases to deposits | 74.2583% | 5,448 |
| Net loans and leases to core deposits | 91.6472% | 5,382 |
| Total domestic deposits to total assets | 85.4566% | 2,988 |
| Equity capital to assets | 13.4703% | 1,540 |
| Core capital (leverage) ratio | 13.4450% | 1,343 |
| Tier 1 risk-based capital ratio | 24.3404% | 1,041 |
| Total risk-based capital ratio | 25.5966% | 1,019 |
| Memoranda: | ||
| Average total assets | $161,057,000 | 3,815 |
| Average earning assets | $145,245,500 | 3,847 |
| Average equity | $21,845,000 | 2,997 |
| Average total loans | $106,020,500 | 3,883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7111% | 6,741 |
| Cost of funding earning assets | 2.4528% | 4,458 |
| Net interest margin | 3.2584% | 6,186 |
| Noninterest income to average assets | 0.2904% | 6,385 |
| Noninterest expense to average assets | 1.9998% | 7,443 |
| Loan and lease loss provision to assets | 0.0130% | 7,206 |
| Net operating income to assets | 0.9836% | 2,615 |
| Return on assets (ROA) | 0.9836% | 2,500 |
| Pretax return on assets | 1.3494% | 2,131 |
| Return on Equity (ROE) | 6.9443% | 3,561 |
| Retained earnings to average equity (ytd only) | -1.2797% | 5,676 |
| Net charge-offs to loans | -0.0296% | 7,971 |
| Credit loss provision to net charge-offs | -64.5161% | 7,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4783% | 6,435 |
| Assets per employee ($millions) | 5.8966% | 1,199 |
| Cash dividends to net income (ytd only)* | 118.4280% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 1,841 |
| Loan loss allowance to noncurrent loans | 442.7885% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 6,533 |
| Noncurrent loans to loans | 0.3887% | 6,180 |
| Net loans and leases to total assets | 66.0702% | 4,833 |
| Net loans and leases to deposits | 77.4862% | 5,407 |
| Net loans and leases to core deposits | 94.4280% | 5,412 |
| Total domestic deposits to total assets | 85.2671% | 2,719 |
| Equity capital to assets | 13.6589% | 1,550 |
| Core capital (leverage) ratio | 13.3435% | 1,435 |
| Tier 1 risk-based capital ratio | 24.0227% | 1,085 |
| Total risk-based capital ratio | 25.2822% | 1,060 |
| Memoranda: | ||
| Average total assets | $153,919,200 | 3,824 |
| Average earning assets | $145,102,400 | 3,740 |
| Average equity | $21,802,000 | 3,003 |
| Average total loans | $104,823,600 | 3,829 |