Home > St. Landry Bank and Trust Company > Performance and Condition Ratios
St. Landry Bank and Trust Company, 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 | 2.6407% | 4,556 |
| Cost of funding earning assets | 0.2546% | 4,410 |
| Net interest margin | 2.3862% | 4,201 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.1231% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4715% | 3,732 |
| Return on assets (ROA) | 0.4715% | 3,730 |
| Pretax return on assets | 0.4715% | 3,862 |
| Return on Equity (ROE) | 19.1300% | 694 |
| Retained earnings to average equity (ytd only) | 7.3534% | 1,774 |
| Net charge-offs to loans | -0.1656% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.8280% | 784 |
| Assets per employee ($millions) | 5.4522% | 3,292 |
| Cash dividends to net income (ytd only)* | 61.5672% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4340% | 40 |
| Loan loss allowance to noncurrent loans | 5,168.2540% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,100 |
| Noncurrent loans to loans | 0.1051% | 3,015 |
| Net loans and leases to total assets | 19.9900% | 4,404 |
| Net loans and leases to deposits | 21.5759% | 4,419 |
| Net loans and leases to core deposits | 23.0208% | 4,442 |
| Total domestic deposits to total assets | 92.6300% | 214 |
| Equity capital to assets | 3.6192% | 4,519 |
| Core capital (leverage) ratio | 10.7848% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4966% | 211 |
| Memoranda: | ||
| Average total assets | $284,202,800 | 2,502 |
| Average earning assets | $274,960,200 | 2,437 |
| Average equity | $7,003,600 | 4,050 |
| Average total loans | $58,574,600 | 3,730 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5369% | 4,573 |
| Cost of funding earning assets | 0.1571% | 4,471 |
| Net interest margin | 2.3798% | 4,252 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.1605% | 3,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4445% | 3,881 |
| Return on assets (ROA) | 0.4445% | 3,880 |
| Pretax return on assets | 0.4445% | 3,999 |
| Return on Equity (ROE) | 20.4200% | 686 |
| Retained earnings to average equity (ytd only) | 14.4979% | 615 |
| Net charge-offs to loans | -0.1763% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.9374% | 672 |
| Assets per employee ($millions) | 5.6917% | 3,027 |
| Cash dividends to net income (ytd only)* | 29.0084% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3877% | 36 |
| Loan loss allowance to noncurrent loans | 4,829.8507% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,118 |
| Noncurrent loans to loans | 0.1115% | 3,019 |
| Net loans and leases to total assets | 20.3800% | 4,433 |
| Net loans and leases to deposits | 21.8714% | 4,442 |
| Net loans and leases to core deposits | 23.1711% | 4,432 |
| Total domestic deposits to total assets | 93.1600% | 275 |
| Equity capital to assets | 3.0223% | 4,490 |
| Core capital (leverage) ratio | 11.0648% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4844% | 237 |
| Memoranda: | ||
| Average total assets | $284,375,500 | 2,501 |
| Average earning assets | $275,027,500 | 2,445 |
| Average equity | $6,189,250 | 4,150 |
| Average total loans | $58,238,500 | 3,738 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4608% | 4,612 |
| Cost of funding earning assets | 0.0542% | 4,546 |
| Net interest margin | 2.4067% | 4,293 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.0887% | 3,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5555% | 3,688 |
| Return on assets (ROA) | 0.5555% | 3,693 |
| Pretax return on assets | 0.5555% | 3,876 |
| Return on Equity (ROE) | 29.2100% | 230 |
| Retained earnings to average equity (ytd only) | 19.1083% | 283 |
| Net charge-offs to loans | -0.2950% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.9905% | 918 |
| Assets per employee ($millions) | 6.2288% | 2,521 |
| Cash dividends to net income (ytd only)* | 34.5912% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5411% | 37 |
| Loan loss allowance to noncurrent loans | 3,031.7757% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 2,928 |
| Noncurrent loans to loans | 0.1828% | 2,560 |
| Net loans and leases to total assets | 19.7300% | 4,462 |
| Net loans and leases to deposits | 21.0299% | 4,470 |
| Net loans and leases to core deposits | 21.4299% | 4,465 |
| Total domestic deposits to total assets | 93.8100% | 164 |
| Equity capital to assets | 2.4963% | 4,588 |
| Core capital (leverage) ratio | 10.8691% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6731% | 195 |
| Memoranda: | ||
| Average total assets | $286,203,667 | 2,496 |
| Average earning assets | $276,897,333 | 2,443 |
| Average equity | $5,442,667 | 4,252 |
| Average total loans | $57,630,333 | 3,757 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4272% | 4,641 |
| Cost of funding earning assets | 0.0086% | 4,610 |
| Net interest margin | 2.4186% | 4,370 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.1704% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4883% | 3,926 |
| Return on assets (ROA) | 0.4883% | 3,890 |
| Pretax return on assets | 0.4883% | 4,005 |
| Return on Equity (ROE) | 30.2600% | 228 |
| Retained earnings to average equity (ytd only) | 6.6874% | 2,591 |
| Net charge-offs to loans | -0.2659% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.6337% | 729 |
| Assets per employee ($millions) | 6.4648% | 2,361 |
| Cash dividends to net income (ytd only)* | 77.9037% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4989% | 34 |
| Loan loss allowance to noncurrent loans | 234.1142% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 1,007 |
| Noncurrent loans to loans | 2.3488% | 209 |
| Net loans and leases to total assets | 18.8900% | 4,528 |
| Net loans and leases to deposits | 19.2749% | 4,545 |
| Net loans and leases to core deposits | 19.4954% | 4,539 |
| Total domestic deposits to total assets | 98.0100% | 19 |
| Equity capital to assets | 1.9109% | 4,638 |
| Core capital (leverage) ratio | 10.6133% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6077% | 221 |
| Memoranda: | ||
| Average total assets | $289,157,000 | 2,519 |
| Average earning assets | $279,330,500 | 2,454 |
| Average equity | $4,665,500 | 4,382 |
| Average total loans | $57,173,500 | 3,806 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9512% | 4,612 |
| Cost of funding earning assets | 0.0184% | 4,629 |
| Net interest margin | 1.9328% | 4,569 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.8480% | 3,935 |
| Loan and lease loss provision to assets | -0.4100% | 4,687 |
| Net operating income to assets | 0.7069% | 3,600 |
| Return on assets (ROA) | 0.7069% | 3,545 |
| Pretax return on assets | 0.7069% | 3,832 |
| Return on Equity (ROE) | 20.7700% | 407 |
| Retained earnings to average equity (ytd only) | 20.7674% | 76 |
| Net charge-offs to loans | 0.1707% | 486 |
| Credit loss provision to net charge-offs | -1,326.5306% | 4,671 |
| Earnings coverage of net charge-offs (x) | 9.3673% | 2,226 |
| Efficiency ratio | 86.3311% | 410 |
| Assets per employee ($millions) | 5.8653% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6220% | 28 |
| Loan loss allowance to noncurrent loans | 3,008.5714% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 2,966 |
| Noncurrent loans to loans | 0.1869% | 2,554 |
| Net loans and leases to total assets | 18.4500% | 4,558 |
| Net loans and leases to deposits | 18.7083% | 4,575 |
| Net loans and leases to core deposits | 19.0102% | 4,567 |
| Total domestic deposits to total assets | 98.6300% | 22 |
| Equity capital to assets | 1.3125% | 4,671 |
| Core capital (leverage) ratio | 10.2274% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4806% | 198 |
| Memoranda: | ||
| Average total assets | $313,742,200 | 2,383 |
| Average earning assets | $304,527,600 | 2,315 |
| Average equity | $10,680,200 | 3,789 |
| Average total loans | $57,399,000 | 3,781 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8182% | 4,635 |
| Cost of funding earning assets | 0.0206% | 4,661 |
| Net interest margin | 1.7977% | 4,603 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.8714% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1503% | 4,511 |
| Return on assets (ROA) | 0.1503% | 4,482 |
| Pretax return on assets | 0.1503% | 4,493 |
| Return on Equity (ROE) | 3.8800% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.8794% | 3,483 |
| Net charge-offs to loans | -0.5523% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 92.5674% | 266 |
| Assets per employee ($millions) | 6.1697% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9940% | 13 |
| Loan loss allowance to noncurrent loans | 999.1667% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 2,248 |
| Noncurrent loans to loans | 0.8001% | 1,002 |
| Net loans and leases to total assets | 18.2600% | 4,603 |
| Net loans and leases to deposits | 18.3079% | 4,619 |
| Net loans and leases to core deposits | 18.6014% | 4,607 |
| Total domestic deposits to total assets | 99.7300% | 22 |
| Equity capital to assets | 0.1436% | 4,716 |
| Core capital (leverage) ratio | 8.9997% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4943% | 257 |
| Memoranda: | ||
| Average total assets | $320,327,750 | 2,367 |
| Average earning assets | $311,138,250 | 2,295 |
| Average equity | $12,407,250 | 3,666 |
| Average total loans | $57,701,250 | 3,789 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7103% | 4,678 |
| Cost of funding earning assets | 0.0227% | 4,713 |
| Net interest margin | 1.6876% | 4,657 |
| Noninterest income to average assets | 0.2721% | 3,539 |
| Noninterest expense to average assets | 1.7602% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1526% | 4,470 |
| Return on assets (ROA) | 0.1526% | 4,436 |
| Pretax return on assets | 0.1526% | 4,449 |
| Return on Equity (ROE) | 3.0369% | 4,206 |
| Retained earnings to average equity (ytd only) | 3.0369% | 3,432 |
| Net charge-offs to loans | -0.2353% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0218% | 339 |
| Assets per employee ($millions) | 6.5776% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6358% | 15 |
| Loan loss allowance to noncurrent loans | 1,007.4074% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 2,440 |
| Noncurrent loans to loans | 0.7580% | 1,134 |
| Net loans and leases to total assets | 17.3543% | 4,673 |
| Net loans and leases to deposits | 17.9024% | 4,684 |
| Net loans and leases to core deposits | 18.2543% | 4,678 |
| Total domestic deposits to total assets | 96.9386% | 53 |
| Equity capital to assets | 2.9435% | 4,691 |
| Core capital (leverage) ratio | 8.4625% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3334% | 235 |
| Memoranda: | ||
| Average total assets | $326,331,667 | 2,348 |
| Average earning assets | $317,259,000 | 2,289 |
| Average equity | $16,398,333 | 3,370 |
| Average total loans | $56,936,667 | 3,844 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6426% | 4,694 |
| Cost of funding earning assets | 0.0251% | 4,725 |
| Net interest margin | 1.6175% | 4,666 |
| Noninterest income to average assets | 0.2826% | 3,438 |
| Noninterest expense to average assets | 1.7603% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0950% | 4,474 |
| Return on assets (ROA) | 0.0950% | 4,447 |
| Pretax return on assets | 0.0950% | 4,449 |
| Return on Equity (ROE) | 1.5715% | 4,330 |
| Retained earnings to average equity (ytd only) | 1.5715% | 3,663 |
| Net charge-offs to loans | -0.2830% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8785% | 365 |
| Assets per employee ($millions) | 6.8897% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3265% | 14 |
| Loan loss allowance to noncurrent loans | 880.4598% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 2,412 |
| Noncurrent loans to loans | 0.9457% | 966 |
| Net loans and leases to total assets | 15.6266% | 4,705 |
| Net loans and leases to deposits | 16.3660% | 4,714 |
| Net loans and leases to core deposits | 16.8477% | 4,711 |
| Total domestic deposits to total assets | 95.4817% | 18 |
| Equity capital to assets | 4.4257% | 4,757 |
| Core capital (leverage) ratio | 8.2378% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2203% | 220 |
| Memoranda: | ||
| Average total assets | $328,347,500 | 2,351 |
| Average earning assets | $319,259,500 | 2,291 |
| Average equity | $19,854,000 | 3,160 |
| Average total loans | $55,126,500 | 3,885 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3301% | 4,759 |
| Cost of funding earning assets | 0.1145% | 4,276 |
| Net interest margin | 1.2156% | 4,757 |
| Noninterest income to average assets | 0.2395% | 3,947 |
| Noninterest expense to average assets | 1.5017% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.0792% | 4,700 |
| Return on assets (ROA) | -0.0792% | 4,708 |
| Pretax return on assets | -0.0792% | 4,706 |
| Return on Equity (ROE) | -1.0118% | 4,718 |
| Retained earnings to average equity (ytd only) | -1.0118% | 4,579 |
| Net charge-offs to loans | -0.4836% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5657% | 113 |
| Assets per employee ($millions) | 6.5271% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2770% | 15 |
| Loan loss allowance to noncurrent loans | 847.0260% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 2,555 |
| Noncurrent loans to loans | 0.9772% | 1,019 |
| Net loans and leases to total assets | 15.1703% | 4,756 |
| Net loans and leases to deposits | 16.4339% | 4,763 |
| Net loans and leases to core deposits | 17.0841% | 4,757 |
| Total domestic deposits to total assets | 92.3108% | 116 |
| Equity capital to assets | 7.6234% | 4,548 |
| Core capital (leverage) ratio | 8.1520% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4959% | 250 |
| Memoranda: | ||
| Average total assets | $347,347,000 | 2,214 |
| Average earning assets | $338,010,800 | 2,143 |
| Average equity | $27,178,000 | 2,712 |
| Average total loans | $58,523,000 | 3,840 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2654% | 4,850 |
| Cost of funding earning assets | 0.1335% | 4,242 |
| Net interest margin | 1.1318% | 4,853 |
| Noninterest income to average assets | 0.2504% | 3,895 |
| Noninterest expense to average assets | 1.5629% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.2112% | 4,800 |
| Return on assets (ROA) | -0.2112% | 4,805 |
| Pretax return on assets | -0.2112% | 4,804 |
| Return on Equity (ROE) | -2.6832% | 4,815 |
| Retained earnings to average equity (ytd only) | -2.6832% | 4,730 |
| Net charge-offs to loans | -0.7341% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6268% | 84 |
| Assets per employee ($millions) | 6.7789% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9788% | 16 |
| Loan loss allowance to noncurrent loans | 432.4248% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 2,056 |
| Noncurrent loans to loans | 1.8451% | 513 |
| Net loans and leases to total assets | 15.3487% | 4,825 |
| Net loans and leases to deposits | 16.6780% | 4,836 |
| Net loans and leases to core deposits | 17.4900% | 4,832 |
| Total domestic deposits to total assets | 92.0295% | 118 |
| Equity capital to assets | 7.8083% | 4,605 |
| Core capital (leverage) ratio | 7.7451% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6656% | 262 |
| Memoranda: | ||
| Average total assets | $350,963,500 | 2,214 |
| Average earning assets | $341,502,750 | 2,142 |
| Average equity | $27,628,250 | 2,704 |
| Average total loans | $59,389,750 | 3,876 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1716% | 4,894 |
| Cost of funding earning assets | 0.1457% | 4,240 |
| Net interest margin | 1.0259% | 4,895 |
| Noninterest income to average assets | 0.2512% | 3,897 |
| Noninterest expense to average assets | 1.5956% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.3465% | 4,849 |
| Return on assets (ROA) | -0.3465% | 4,853 |
| Pretax return on assets | -0.3465% | 4,850 |
| Return on Equity (ROE) | -4.3895% | 4,872 |
| Retained earnings to average equity (ytd only) | -4.3895% | 4,773 |
| Net charge-offs to loans | -0.9739% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7349% | 61 |
| Assets per employee ($millions) | 7.2681% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8267% | 19 |
| Loan loss allowance to noncurrent loans | 513.6108% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 2,462 |
| Noncurrent loans to loans | 1.5239% | 742 |
| Net loans and leases to total assets | 15.4135% | 4,863 |
| Net loans and leases to deposits | 16.7371% | 4,870 |
| Net loans and leases to core deposits | 17.5428% | 4,868 |
| Total domestic deposits to total assets | 92.0916% | 112 |
| Equity capital to assets | 7.7456% | 4,656 |
| Core capital (leverage) ratio | 7.4467% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7555% | 253 |
| Memoranda: | ||
| Average total assets | $352,710,333 | 2,190 |
| Average earning assets | $343,116,333 | 2,125 |
| Average equity | $27,839,333 | 2,684 |
| Average total loans | $59,964,667 | 3,900 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1666% | 4,930 |
| Cost of funding earning assets | 0.1753% | 4,118 |
| Net interest margin | 0.9913% | 4,933 |
| Noninterest income to average assets | 0.3327% | 3,437 |
| Noninterest expense to average assets | 1.7054% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4094% | 4,874 |
| Return on assets (ROA) | -0.4094% | 4,880 |
| Pretax return on assets | -0.4094% | 4,878 |
| Return on Equity (ROE) | -5.1402% | 4,903 |
| Retained earnings to average equity (ytd only) | -5.1402% | 4,707 |
| Net charge-offs to loans | -1.7572% | 4,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5927% | 54 |
| Assets per employee ($millions) | 7.8803% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5549% | 20 |
| Loan loss allowance to noncurrent loans | 840.9259% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 2,570 |
| Noncurrent loans to loans | 0.8984% | 1,508 |
| Net loans and leases to total assets | 15.0027% | 4,896 |
| Net loans and leases to deposits | 16.2418% | 4,900 |
| Net loans and leases to core deposits | 16.9598% | 4,899 |
| Total domestic deposits to total assets | 92.3712% | 87 |
| Equity capital to assets | 7.5100% | 4,705 |
| Core capital (leverage) ratio | 7.9169% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5050% | 165 |
| Memoranda: | ||
| Average total assets | $354,630,500 | 2,164 |
| Average earning assets | $344,596,500 | 2,103 |
| Average equity | $28,248,000 | 2,654 |
| Average total loans | $60,777,500 | 3,903 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1872% | 4,898 |
| Cost of funding earning assets | 0.2619% | 4,332 |
| Net interest margin | 1.9252% | 4,853 |
| Noninterest income to average assets | 0.2985% | 3,694 |
| Noninterest expense to average assets | 1.6118% | 4,694 |
| Loan and lease loss provision to assets | 0.3106% | 1,199 |
| Net operating income to assets | 0.2377% | 4,522 |
| Return on assets (ROA) | 0.2377% | 4,587 |
| Pretax return on assets | 0.2377% | 4,620 |
| Return on Equity (ROE) | 2.6355% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.6355% | 3,536 |
| Net charge-offs to loans | 3.7605% | 19 |
| Credit loss provision to net charge-offs | 37.6012% | 3,196 |
| Earnings coverage of net charge-offs (x) | 0.6637% | 3,310 |
| Efficiency ratio | 74.6165% | 1,374 |
| Assets per employee ($millions) | 7.0602% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9555% | 22 |
| Loan loss allowance to noncurrent loans | 817.2084% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 2,803 |
| Noncurrent loans to loans | 0.8511% | 1,659 |
| Net loans and leases to total assets | 16.8711% | 4,902 |
| Net loans and leases to deposits | 18.4483% | 4,913 |
| Net loans and leases to core deposits | 19.4029% | 4,909 |
| Total domestic deposits to total assets | 91.4503% | 141 |
| Equity capital to assets | 8.4633% | 4,473 |
| Core capital (leverage) ratio | 8.3190% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,868,400 | 2,219 |
| Average earning assets | $303,496,600 | 2,157 |
| Average equity | $28,306,200 | 2,585 |
| Average total loans | $68,953,200 | 3,757 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3361% | 4,929 |
| Cost of funding earning assets | 0.2857% | 4,368 |
| Net interest margin | 2.0503% | 4,868 |
| Noninterest income to average assets | 0.3147% | 3,606 |
| Noninterest expense to average assets | 1.7554% | 4,560 |
| Loan and lease loss provision to assets | 0.3316% | 1,169 |
| Net operating income to assets | 0.2089% | 4,575 |
| Return on assets (ROA) | 0.2089% | 4,619 |
| Pretax return on assets | 0.2089% | 4,648 |
| Return on Equity (ROE) | 2.2779% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.2779% | 3,833 |
| Net charge-offs to loans | 4.7983% | 13 |
| Credit loss provision to net charge-offs | 30.0118% | 2,955 |
| Earnings coverage of net charge-offs (x) | 0.4892% | 3,126 |
| Efficiency ratio | 76.4584% | 1,166 |
| Assets per employee ($millions) | 6.4242% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3773% | 28 |
| Loan loss allowance to noncurrent loans | 527.3427% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 2,615 |
| Noncurrent loans to loans | 1.2093% | 1,256 |
| Net loans and leases to total assets | 18.4071% | 4,941 |
| Net loans and leases to deposits | 20.1824% | 4,948 |
| Net loans and leases to core deposits | 21.2671% | 4,947 |
| Total domestic deposits to total assets | 91.2036% | 135 |
| Equity capital to assets | 8.5665% | 4,429 |
| Core capital (leverage) ratio | 8.2042% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,613,500 | 2,233 |
| Average earning assets | $297,246,250 | 2,171 |
| Average equity | $28,212,500 | 2,581 |
| Average total loans | $70,829,500 | 3,735 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4634% | 4,972 |
| Cost of funding earning assets | 0.3127% | 4,430 |
| Net interest margin | 2.1508% | 4,900 |
| Noninterest income to average assets | 0.3243% | 3,522 |
| Noninterest expense to average assets | 1.7578% | 4,617 |
| Loan and lease loss provision to assets | 0.5084% | 690 |
| Net operating income to assets | 0.1382% | 4,644 |
| Return on assets (ROA) | 0.1382% | 4,679 |
| Pretax return on assets | 0.1382% | 4,694 |
| Return on Equity (ROE) | 1.4720% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.4720% | 3,944 |
| Net charge-offs to loans | 7.0963% | 7 |
| Credit loss provision to net charge-offs | 29.5481% | 2,705 |
| Earnings coverage of net charge-offs (x) | 0.3758% | 2,925 |
| Efficiency ratio | 73.1067% | 1,555 |
| Assets per employee ($millions) | 6.5860% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9819% | 27 |
| Loan loss allowance to noncurrent loans | 250.6470% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4739% | 2,422 |
| Noncurrent loans to loans | 2.3866% | 507 |
| Net loans and leases to total assets | 18.6693% | 4,969 |
| Net loans and leases to deposits | 20.4242% | 4,982 |
| Net loans and leases to core deposits | 21.4683% | 4,980 |
| Total domestic deposits to total assets | 91.4075% | 96 |
| Equity capital to assets | 8.4074% | 4,529 |
| Core capital (leverage) ratio | 8.2839% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,939,667 | 2,247 |
| Average earning assets | $291,059,667 | 2,178 |
| Average equity | $28,261,000 | 2,569 |
| Average total loans | $72,967,333 | 3,696 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9076% | 4,977 |
| Cost of funding earning assets | 0.3088% | 4,633 |
| Net interest margin | 2.5988% | 4,756 |
| Noninterest income to average assets | 0.3835% | 3,209 |
| Noninterest expense to average assets | 1.8164% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0750% | 1,922 |
| Return on assets (ROA) | 1.0750% | 2,024 |
| Pretax return on assets | 1.0750% | 2,601 |
| Return on Equity (ROE) | 10.6281% | 1,525 |
| Retained earnings to average equity (ytd only) | 10.6281% | 626 |
| Net charge-offs to loans | 13.9115% | 3 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.2873% | 2,477 |
| Efficiency ratio | 62.8205% | 3,396 |
| Assets per employee ($millions) | 5.6303% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4272% | 55 |
| Loan loss allowance to noncurrent loans | 195.3377% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 2,255 |
| Noncurrent loans to loans | 2.2664% | 565 |
| Net loans and leases to total assets | 24.5686% | 4,970 |
| Net loans and leases to deposits | 27.3995% | 4,996 |
| Net loans and leases to core deposits | 29.1238% | 4,994 |
| Total domestic deposits to total assets | 89.6680% | 426 |
| Equity capital to assets | 10.1596% | 3,639 |
| Core capital (leverage) ratio | 9.6954% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,556,000 | 2,321 |
| Average earning assets | $270,741,500 | 2,264 |
| Average equity | $28,377,500 | 2,550 |
| Average total loans | $75,448,500 | 3,652 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1079% | 5,029 |
| Cost of funding earning assets | 0.2758% | 4,784 |
| Net interest margin | 2.8321% | 4,728 |
| Noninterest income to average assets | 0.3760% | 3,447 |
| Noninterest expense to average assets | 1.7821% | 4,793 |
| Loan and lease loss provision to assets | 3.0116% | 23 |
| Net operating income to assets | -1.6856% | 5,124 |
| Return on assets (ROA) | -1.6856% | 5,125 |
| Pretax return on assets | -1.6856% | 5,122 |
| Return on Equity (ROE) | -15.5631% | 5,145 |
| Retained earnings to average equity (ytd only) | -15.5631% | 5,116 |
| Net charge-offs to loans | 4.2331% | 19 |
| Credit loss provision to net charge-offs | 228.9027% | 1,168 |
| Earnings coverage of net charge-offs (x) | 1.0078% | 3,575 |
| Efficiency ratio | 57.3385% | 4,045 |
| Assets per employee ($millions) | 5.3719% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6439% | 9 |
| Loan loss allowance to noncurrent loans | 116.7426% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.8422% | 460 |
| Noncurrent loans to loans | 6.5477% | 56 |
| Net loans and leases to total assets | 25.9847% | 5,020 |
| Net loans and leases to deposits | 28.9356% | 5,042 |
| Net loans and leases to core deposits | 30.8408% | 5,042 |
| Total domestic deposits to total assets | 89.8020% | 394 |
| Equity capital to assets | 10.0677% | 3,857 |
| Core capital (leverage) ratio | 9.7317% | 3,813 |
| Tier 1 risk-based capital ratio | 26.7309% | 636 |
| Total risk-based capital ratio | 28.0366% | 615 |
| Memoranda: | ||
| Average total assets | $281,910,400 | 2,267 |
| Average earning assets | $271,954,600 | 2,196 |
| Average equity | $30,533,800 | 2,362 |
| Average total loans | $87,619,800 | 3,456 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1252% | 5,116 |
| Cost of funding earning assets | 0.2697% | 4,875 |
| Net interest margin | 2.8555% | 4,802 |
| Noninterest income to average assets | 0.3818% | 3,425 |
| Noninterest expense to average assets | 1.8635% | 4,745 |
| Loan and lease loss provision to assets | 3.4754% | 19 |
| Net operating income to assets | -2.2022% | 5,212 |
| Return on assets (ROA) | -2.2022% | 5,213 |
| Pretax return on assets | -2.2022% | 5,211 |
| Return on Equity (ROE) | -19.9920% | 5,228 |
| Retained earnings to average equity (ytd only) | -19.9920% | 5,209 |
| Net charge-offs to loans | 0.0473% | 2,160 |
| Credit loss provision to net charge-offs | 23,125.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 84.7101% | 833 |
| Efficiency ratio | 59.4101% | 3,748 |
| Assets per employee ($millions) | 5.3830% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5403% | 8 |
| Loan loss allowance to noncurrent loans | 104.9901% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 2.9055% | 198 |
| Noncurrent loans to loans | 9.0868% | 37 |
| Net loans and leases to total assets | 28.7216% | 5,072 |
| Net loans and leases to deposits | 31.9970% | 5,108 |
| Net loans and leases to core deposits | 34.0947% | 5,105 |
| Total domestic deposits to total assets | 89.7634% | 350 |
| Equity capital to assets | 9.9422% | 4,079 |
| Core capital (leverage) ratio | 9.4797% | 4,186 |
| Tier 1 risk-based capital ratio | 24.1893% | 828 |
| Total risk-based capital ratio | 25.5169% | 808 |
| Memoranda: | ||
| Average total assets | $283,896,750 | 2,273 |
| Average earning assets | $273,893,000 | 2,200 |
| Average equity | $31,271,750 | 2,346 |
| Average total loans | $90,254,500 | 3,433 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0729% | 5,193 |
| Cost of funding earning assets | 0.2610% | 4,922 |
| Net interest margin | 2.8120% | 4,919 |
| Noninterest income to average assets | 0.3969% | 3,285 |
| Noninterest expense to average assets | 1.8722% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2369% | 2,018 |
| Return on assets (ROA) | 1.2369% | 2,073 |
| Pretax return on assets | 1.2369% | 2,794 |
| Return on Equity (ROE) | 10.8825% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.8825% | 565 |
| Net charge-offs to loans | 0.0728% | 1,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 53.4545% | 1,052 |
| Efficiency ratio | 60.2165% | 3,693 |
| Assets per employee ($millions) | 5.5686% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 2,716 |
| Loan loss allowance to noncurrent loans | 56.2337% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 2,057 |
| Noncurrent loans to loans | 2.0676% | 676 |
| Net loans and leases to total assets | 31.6471% | 5,078 |
| Net loans and leases to deposits | 35.9680% | 5,111 |
| Net loans and leases to core deposits | 38.3039% | 5,103 |
| Total domestic deposits to total assets | 87.9868% | 1,106 |
| Equity capital to assets | 11.7811% | 2,357 |
| Core capital (leverage) ratio | 11.6162% | 2,083 |
| Tier 1 risk-based capital ratio | 27.4753% | 590 |
| Total risk-based capital ratio | 28.3520% | 598 |
| Memoranda: | ||
| Average total assets | $285,223,000 | 2,262 |
| Average earning assets | $275,111,000 | 2,187 |
| Average equity | $32,419,000 | 2,278 |
| Average total loans | $90,714,000 | 3,444 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9875% | 5,274 |
| Cost of funding earning assets | 0.2463% | 4,989 |
| Net interest margin | 2.7412% | 5,035 |
| Noninterest income to average assets | 0.4112% | 3,105 |
| Noninterest expense to average assets | 1.8428% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2111% | 2,014 |
| Return on assets (ROA) | 1.2111% | 2,064 |
| Pretax return on assets | 1.2111% | 2,763 |
| Return on Equity (ROE) | 10.8579% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.8579% | 835 |
| Net charge-offs to loans | 0.0223% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 171.4000% | 447 |
| Efficiency ratio | 60.3424% | 3,760 |
| Assets per employee ($millions) | 5.5174% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,380 |
| Loan loss allowance to noncurrent loans | 63.0051% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,235 |
| Noncurrent loans to loans | 1.9685% | 754 |
| Net loans and leases to total assets | 30.7247% | 5,138 |
| Net loans and leases to deposits | 34.7040% | 5,162 |
| Net loans and leases to core deposits | 36.9620% | 5,163 |
| Total domestic deposits to total assets | 88.5335% | 1,069 |
| Equity capital to assets | 11.2807% | 2,578 |
| Core capital (leverage) ratio | 11.2705% | 2,322 |
| Tier 1 risk-based capital ratio | 36.4983% | 293 |
| Total risk-based capital ratio | 37.7272% | 288 |
| Memoranda: | ||
| Average total assets | $283,052,000 | 2,295 |
| Average earning assets | $272,872,000 | 2,219 |
| Average equity | $31,571,500 | 2,326 |
| Average total loans | $89,712,500 | 3,498 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5789% | 5,337 |
| Cost of funding earning assets | 0.1720% | 5,104 |
| Net interest margin | 2.4069% | 5,247 |
| Noninterest income to average assets | 0.4397% | 3,170 |
| Noninterest expense to average assets | 1.7840% | 5,017 |
| Loan and lease loss provision to assets | 0.0087% | 3,957 |
| Net operating income to assets | 0.9705% | 3,135 |
| Return on assets (ROA) | 0.9705% | 3,135 |
| Pretax return on assets | 0.9705% | 3,699 |
| Return on Equity (ROE) | 9.0913% | 2,949 |
| Retained earnings to average equity (ytd only) | 0.7925% | 4,776 |
| Net charge-offs to loans | 0.0093% | 3,362 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 353.0000% | 292 |
| Efficiency ratio | 64.5627% | 3,105 |
| Assets per employee ($millions) | 5.3692% | 2,091 |
| Cash dividends to net income (ytd only)* | 91.2826% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,395 |
| Loan loss allowance to noncurrent loans | 58.7209% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 2,030 |
| Noncurrent loans to loans | 2.0983% | 630 |
| Net loans and leases to total assets | 31.8971% | 5,172 |
| Net loans and leases to deposits | 35.9039% | 5,200 |
| Net loans and leases to core deposits | 37.9643% | 5,191 |
| Total domestic deposits to total assets | 88.8402% | 928 |
| Equity capital to assets | 11.0237% | 2,665 |
| Core capital (leverage) ratio | 11.2643% | 2,292 |
| Tier 1 risk-based capital ratio | 34.7299% | 325 |
| Total risk-based capital ratio | 35.9349% | 321 |
| Memoranda: | ||
| Average total assets | $288,398,000 | 2,216 |
| Average earning assets | $278,411,200 | 2,148 |
| Average equity | $30,787,800 | 2,295 |
| Average total loans | $86,469,600 | 3,545 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5055% | 5,411 |
| Cost of funding earning assets | 0.1710% | 5,140 |
| Net interest margin | 2.3346% | 5,338 |
| Noninterest income to average assets | 0.4527% | 3,147 |
| Noninterest expense to average assets | 1.7892% | 5,050 |
| Loan and lease loss provision to assets | 0.0115% | 3,771 |
| Net operating income to assets | 0.9068% | 3,496 |
| Return on assets (ROA) | 0.9068% | 3,500 |
| Pretax return on assets | 0.9068% | 4,000 |
| Return on Equity (ROE) | 8.5609% | 3,306 |
| Retained earnings to average equity (ytd only) | 8.5609% | 1,388 |
| Net charge-offs to loans | 0.0125% | 2,973 |
| Credit loss provision to net charge-offs | 312.5000% | 989 |
| Earnings coverage of net charge-offs (x) | 250.1659% | 370 |
| Efficiency ratio | 66.0850% | 2,857 |
| Assets per employee ($millions) | 5.4150% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 2,306 |
| Loan loss allowance to noncurrent loans | 63.9609% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 2,366 |
| Noncurrent loans to loans | 1.9712% | 756 |
| Net loans and leases to total assets | 30.3168% | 5,272 |
| Net loans and leases to deposits | 34.2034% | 5,297 |
| Net loans and leases to core deposits | 36.1178% | 5,296 |
| Total domestic deposits to total assets | 88.6367% | 986 |
| Equity capital to assets | 11.0724% | 2,600 |
| Core capital (leverage) ratio | 11.7173% | 1,998 |
| Tier 1 risk-based capital ratio | 27.0452% | 625 |
| Total risk-based capital ratio | 27.9354% | 629 |
| Memoranda: | ||
| Average total assets | $290,698,000 | 2,214 |
| Average earning assets | $280,758,750 | 2,140 |
| Average equity | $30,790,250 | 2,298 |
| Average total loans | $85,545,250 | 3,588 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4597% | 5,476 |
| Cost of funding earning assets | 0.1688% | 5,160 |
| Net interest margin | 2.2909% | 5,421 |
| Noninterest income to average assets | 0.4816% | 2,965 |
| Noninterest expense to average assets | 1.7922% | 5,107 |
| Loan and lease loss provision to assets | 0.0171% | 3,550 |
| Net operating income to assets | 0.8851% | 3,527 |
| Return on assets (ROA) | 0.8851% | 3,528 |
| Pretax return on assets | 0.8851% | 4,006 |
| Return on Equity (ROE) | 8.4829% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.4829% | 1,417 |
| Net charge-offs to loans | 0.0094% | 2,801 |
| Credit loss provision to net charge-offs | 625.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 329.2500% | 278 |
| Efficiency ratio | 66.5141% | 2,891 |
| Assets per employee ($millions) | 5.5456% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 2,145 |
| Loan loss allowance to noncurrent loans | 154.6463% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2453% | 3,780 |
| Noncurrent loans to loans | 0.8434% | 2,035 |
| Net loans and leases to total assets | 28.7069% | 5,351 |
| Net loans and leases to deposits | 32.1804% | 5,372 |
| Net loans and leases to core deposits | 33.9266% | 5,367 |
| Total domestic deposits to total assets | 89.2062% | 850 |
| Equity capital to assets | 10.5573% | 3,066 |
| Core capital (leverage) ratio | 11.2188% | 2,328 |
| Tier 1 risk-based capital ratio | 20.3479% | 1,264 |
| Total risk-based capital ratio | 21.0340% | 1,332 |
| Memoranda: | ||
| Average total assets | $291,933,000 | 2,219 |
| Average earning assets | $281,987,670 | 2,145 |
| Average equity | $30,461,330 | 2,323 |
| Average total loans | $84,687,670 | 3,632 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4360% | 5,544 |
| Cost of funding earning assets | 0.1708% | 5,159 |
| Net interest margin | 2.2651% | 5,484 |
| Noninterest income to average assets | 0.4482% | 3,124 |
| Noninterest expense to average assets | 1.7997% | 5,152 |
| Loan and lease loss provision to assets | 0.0344% | 3,046 |
| Net operating income to assets | 0.8015% | 3,697 |
| Return on assets (ROA) | 0.8015% | 3,709 |
| Pretax return on assets | 0.8015% | 4,149 |
| Return on Equity (ROE) | 7.7277% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.7277% | 1,948 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2838% | 2,788 |
| Assets per employee ($millions) | 5.6175% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,259 |
| Loan loss allowance to noncurrent loans | 162.6453% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 3,947 |
| Noncurrent loans to loans | 0.7981% | 2,215 |
| Net loans and leases to total assets | 28.5802% | 5,396 |
| Net loans and leases to deposits | 31.8845% | 5,418 |
| Net loans and leases to core deposits | 33.5797% | 5,417 |
| Total domestic deposits to total assets | 89.6368% | 819 |
| Equity capital to assets | 10.1791% | 3,415 |
| Core capital (leverage) ratio | 10.9634% | 2,479 |
| Tier 1 risk-based capital ratio | 27.9833% | 559 |
| Total risk-based capital ratio | 28.9509% | 566 |
| Memoranda: | ||
| Average total assets | $290,940,000 | 2,245 |
| Average earning assets | $280,955,000 | 2,174 |
| Average equity | $30,177,000 | 2,356 |
| Average total loans | $84,286,500 | 3,667 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2911% | 5,590 |
| Cost of funding earning assets | 0.1694% | 5,157 |
| Net interest margin | 2.1217% | 5,552 |
| Noninterest income to average assets | 0.4577% | 3,260 |
| Noninterest expense to average assets | 1.7322% | 5,299 |
| Loan and lease loss provision to assets | 0.0256% | 3,784 |
| Net operating income to assets | 0.7434% | 3,414 |
| Return on assets (ROA) | 0.7434% | 3,459 |
| Pretax return on assets | 0.7434% | 4,403 |
| Return on Equity (ROE) | 7.0593% | 3,244 |
| Retained earnings to average equity (ytd only) | 0.9010% | 4,665 |
| Net charge-offs to loans | -0.0075% | 4,725 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2549% | 2,661 |
| Assets per employee ($millions) | 5.4645% | 1,975 |
| Cash dividends to net income (ytd only)* | 87.2360% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,079 |
| Loan loss allowance to noncurrent loans | 133.4146% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2886% | 3,733 |
| Noncurrent loans to loans | 0.9956% | 1,778 |
| Net loans and leases to total assets | 28.6004% | 5,454 |
| Net loans and leases to deposits | 32.0357% | 5,493 |
| Net loans and leases to core deposits | 33.8574% | 5,488 |
| Total domestic deposits to total assets | 89.2769% | 880 |
| Equity capital to assets | 10.5746% | 3,081 |
| Core capital (leverage) ratio | 11.0680% | 2,271 |
| Tier 1 risk-based capital ratio | 28.2810% | 527 |
| Total risk-based capital ratio | 29.2547% | 533 |
| Memoranda: | ||
| Average total assets | $292,987,800 | 2,204 |
| Average earning assets | $282,180,800 | 2,144 |
| Average equity | $30,853,000 | 2,299 |
| Average total loans | $79,858,000 | 3,751 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2380% | 5,660 |
| Cost of funding earning assets | 0.1701% | 5,197 |
| Net interest margin | 2.0679% | 5,629 |
| Noninterest income to average assets | 0.4327% | 3,452 |
| Noninterest expense to average assets | 1.7100% | 5,357 |
| Loan and lease loss provision to assets | 0.0339% | 3,443 |
| Net operating income to assets | 0.6820% | 4,067 |
| Return on assets (ROA) | 0.6820% | 4,127 |
| Pretax return on assets | 0.6820% | 4,647 |
| Return on Equity (ROE) | 6.4831% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.4831% | 1,968 |
| Net charge-offs to loans | -0.0101% | 4,640 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4897% | 2,457 |
| Assets per employee ($millions) | 5.0242% | 2,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 2,353 |
| Loan loss allowance to noncurrent loans | 211.6054% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,384 |
| Noncurrent loans to loans | 0.6144% | 2,873 |
| Net loans and leases to total assets | 28.9987% | 5,521 |
| Net loans and leases to deposits | 32.7666% | 5,550 |
| Net loans and leases to core deposits | 34.3456% | 5,547 |
| Total domestic deposits to total assets | 88.5007% | 1,120 |
| Equity capital to assets | 11.2022% | 2,670 |
| Core capital (leverage) ratio | 11.3838% | 2,115 |
| Tier 1 risk-based capital ratio | 29.0923% | 515 |
| Total risk-based capital ratio | 30.0565% | 522 |
| Memoranda: | ||
| Average total assets | $295,196,500 | 2,209 |
| Average earning assets | $284,532,500 | 2,143 |
| Average equity | $31,054,250 | 2,300 |
| Average total loans | $79,231,750 | 3,795 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1580% | 5,718 |
| Cost of funding earning assets | 0.1715% | 5,195 |
| Net interest margin | 1.9865% | 5,696 |
| Noninterest income to average assets | 0.4381% | 3,435 |
| Noninterest expense to average assets | 1.6872% | 5,426 |
| Loan and lease loss provision to assets | 0.0335% | 3,320 |
| Net operating income to assets | 0.6292% | 4,170 |
| Return on assets (ROA) | 0.6292% | 4,217 |
| Pretax return on assets | 0.6292% | 4,743 |
| Return on Equity (ROE) | 6.1084% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.1084% | 2,055 |
| Net charge-offs to loans | -0.0129% | 4,621 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7956% | 2,383 |
| Assets per employee ($millions) | 5.0813% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 2,288 |
| Loan loss allowance to noncurrent loans | 217.0732% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 4,517 |
| Noncurrent loans to loans | 0.6114% | 2,895 |
| Net loans and leases to total assets | 26.9425% | 5,588 |
| Net loans and leases to deposits | 30.2430% | 5,625 |
| Net loans and leases to core deposits | 31.7256% | 5,628 |
| Total domestic deposits to total assets | 89.0868% | 915 |
| Equity capital to assets | 10.6679% | 3,157 |
| Core capital (leverage) ratio | 10.8193% | 2,584 |
| Tier 1 risk-based capital ratio | 29.6877% | 481 |
| Total risk-based capital ratio | 30.6652% | 485 |
| Memoranda: | ||
| Average total assets | $298,134,670 | 2,199 |
| Average earning assets | $286,931,330 | 2,130 |
| Average equity | $30,712,000 | 2,320 |
| Average total loans | $77,595,330 | 3,851 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0959% | 5,788 |
| Cost of funding earning assets | 0.1707% | 5,234 |
| Net interest margin | 1.9251% | 5,768 |
| Noninterest income to average assets | 0.4682% | 3,200 |
| Noninterest expense to average assets | 1.7569% | 5,426 |
| Loan and lease loss provision to assets | 0.0334% | 3,118 |
| Net operating income to assets | 0.5283% | 4,473 |
| Return on assets (ROA) | 0.5283% | 4,514 |
| Pretax return on assets | 0.5283% | 4,903 |
| Return on Equity (ROE) | 5.2195% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.2195% | 2,775 |
| Net charge-offs to loans | -0.0263% | 4,867 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7768% | 1,943 |
| Assets per employee ($millions) | 5.3716% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,383 |
| Loan loss allowance to noncurrent loans | 309.4955% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 4,828 |
| Noncurrent loans to loans | 0.4302% | 3,556 |
| Net loans and leases to total assets | 25.2423% | 5,679 |
| Net loans and leases to deposits | 28.1202% | 5,704 |
| Net loans and leases to core deposits | 29.4365% | 5,698 |
| Total domestic deposits to total assets | 89.7658% | 767 |
| Equity capital to assets | 10.0402% | 3,707 |
| Core capital (leverage) ratio | 10.6118% | 2,777 |
| Tier 1 risk-based capital ratio | 29.9369% | 482 |
| Total risk-based capital ratio | 30.9159% | 490 |
| Memoranda: | ||
| Average total assets | $299,844,000 | 2,213 |
| Average earning assets | $288,188,500 | 2,142 |
| Average equity | $30,348,000 | 2,352 |
| Average total loans | $76,157,000 | 3,905 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9994% | 5,843 |
| Cost of funding earning assets | 0.1715% | 5,277 |
| Net interest margin | 1.8278% | 5,830 |
| Noninterest income to average assets | 0.4337% | 3,656 |
| Noninterest expense to average assets | 1.7120% | 5,553 |
| Loan and lease loss provision to assets | 0.0207% | 3,956 |
| Net operating income to assets | 0.4547% | 4,782 |
| Return on assets (ROA) | 0.4547% | 4,863 |
| Pretax return on assets | 0.4547% | 5,110 |
| Return on Equity (ROE) | 4.2018% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.5643% | 5,101 |
| Net charge-offs to loans | 0.0627% | 2,803 |
| Credit loss provision to net charge-offs | 127.6596% | 2,098 |
| Earnings coverage of net charge-offs (x) | 29.3191% | 1,450 |
| Efficiency ratio | 78.2650% | 1,658 |
| Assets per employee ($millions) | 4.9747% | 2,424 |
| Cash dividends to net income (ytd only)* | 86.5706% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 2,223 |
| Loan loss allowance to noncurrent loans | 36.7829% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 1,377 |
| Noncurrent loans to loans | 3.7224% | 303 |
| Net loans and leases to total assets | 24.8617% | 5,749 |
| Net loans and leases to deposits | 27.7362% | 5,766 |
| Net loans and leases to core deposits | 28.8734% | 5,764 |
| Total domestic deposits to total assets | 89.6361% | 804 |
| Equity capital to assets | 10.2059% | 3,485 |
| Core capital (leverage) ratio | 10.7381% | 2,611 |
| Tier 1 risk-based capital ratio | 30.6728% | 455 |
| Total risk-based capital ratio | 31.6592% | 461 |
| Memoranda: | ||
| Average total assets | $289,830,800 | 2,225 |
| Average earning assets | $278,089,200 | 2,167 |
| Average equity | $31,367,400 | 2,261 |
| Average total loans | $74,953,200 | 3,923 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9793% | 5,912 |
| Cost of funding earning assets | 0.1717% | 5,334 |
| Net interest margin | 1.8076% | 5,895 |
| Noninterest income to average assets | 0.4241% | 3,737 |
| Noninterest expense to average assets | 1.7564% | 5,571 |
| Loan and lease loss provision to assets | 0.0208% | 3,820 |
| Net operating income to assets | 0.3812% | 5,087 |
| Return on assets (ROA) | 0.3812% | 5,171 |
| Pretax return on assets | 0.3812% | 5,338 |
| Return on Equity (ROE) | 3.4719% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.4719% | 3,817 |
| Net charge-offs to loans | 0.0674% | 2,363 |
| Credit loss provision to net charge-offs | 118.4211% | 2,109 |
| Earnings coverage of net charge-offs (x) | 22.9189% | 1,730 |
| Efficiency ratio | 81.3770% | 1,262 |
| Assets per employee ($millions) | 4.9596% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,766 |
| Loan loss allowance to noncurrent loans | 33.8943% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3571% | 1,385 |
| Noncurrent loans to loans | 3.7918% | 312 |
| Net loans and leases to total assets | 26.4329% | 5,788 |
| Net loans and leases to deposits | 29.8078% | 5,818 |
| Net loans and leases to core deposits | 30.9899% | 5,817 |
| Total domestic deposits to total assets | 88.6780% | 1,063 |
| Equity capital to assets | 11.0148% | 2,995 |
| Core capital (leverage) ratio | 11.1233% | 2,338 |
| Tier 1 risk-based capital ratio | 30.6577% | 459 |
| Total risk-based capital ratio | 31.6180% | 463 |
| Memoranda: | ||
| Average total assets | $288,911,500 | 2,233 |
| Average earning assets | $277,199,000 | 2,180 |
| Average equity | $31,720,500 | 2,259 |
| Average total loans | $75,195,500 | 3,947 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9404% | 5,996 |
| Cost of funding earning assets | 0.1724% | 5,389 |
| Net interest margin | 1.7679% | 5,982 |
| Noninterest income to average assets | 0.4519% | 3,509 |
| Noninterest expense to average assets | 1.7457% | 5,648 |
| Loan and lease loss provision to assets | 0.0209% | 3,721 |
| Net operating income to assets | 0.3817% | 5,087 |
| Return on assets (ROA) | 0.3817% | 5,171 |
| Pretax return on assets | 0.3817% | 5,369 |
| Return on Equity (ROE) | 3.4802% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.4802% | 3,678 |
| Net charge-offs to loans | 0.1052% | 1,774 |
| Credit loss provision to net charge-offs | 76.9231% | 2,396 |
| Earnings coverage of net charge-offs (x) | 14.8462% | 2,035 |
| Efficiency ratio | 81.2621% | 1,357 |
| Assets per employee ($millions) | 4.9780% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 2,655 |
| Loan loss allowance to noncurrent loans | 33.8110% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 1.3615% | 1,452 |
| Noncurrent loans to loans | 3.9142% | 308 |
| Net loans and leases to total assets | 25.5921% | 5,873 |
| Net loans and leases to deposits | 28.8784% | 5,896 |
| Net loans and leases to core deposits | 30.0410% | 5,894 |
| Total domestic deposits to total assets | 88.6200% | 1,106 |
| Equity capital to assets | 11.1143% | 2,933 |
| Core capital (leverage) ratio | 10.9795% | 2,451 |
| Tier 1 risk-based capital ratio | 43.9683% | 187 |
| Total risk-based capital ratio | 45.2197% | 183 |
| Memoranda: | ||
| Average total assets | $287,676,670 | 2,254 |
| Average earning assets | $276,027,000 | 2,195 |
| Average equity | $31,550,330 | 2,273 |
| Average total loans | $74,142,670 | 3,995 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0321% | 6,055 |
| Cost of funding earning assets | 0.1738% | 5,436 |
| Net interest margin | 1.8583% | 6,035 |
| Noninterest income to average assets | 0.4736% | 3,322 |
| Noninterest expense to average assets | 1.6493% | 5,796 |
| Loan and lease loss provision to assets | 0.0209% | 3,414 |
| Net operating income to assets | 0.5906% | 4,223 |
| Return on assets (ROA) | 0.5906% | 4,338 |
| Pretax return on assets | 0.5906% | 4,845 |
| Return on Equity (ROE) | 5.4219% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.4219% | 2,701 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9513% | 2,651 |
| Assets per employee ($millions) | 5.0279% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 2,485 |
| Loan loss allowance to noncurrent loans | 34.0147% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 1,492 |
| Noncurrent loans to loans | 4.0772% | 293 |
| Net loans and leases to total assets | 24.7490% | 5,939 |
| Net loans and leases to deposits | 27.8410% | 5,954 |
| Net loans and leases to core deposits | 28.9510% | 5,956 |
| Total domestic deposits to total assets | 88.8940% | 1,158 |
| Equity capital to assets | 10.8777% | 3,075 |
| Core capital (leverage) ratio | 10.9133% | 2,480 |
| Tier 1 risk-based capital ratio | 41.7487% | 212 |
| Total risk-based capital ratio | 42.9994% | 210 |
| Memoranda: | ||
| Average total assets | $287,152,000 | 2,260 |
| Average earning assets | $276,168,000 | 2,204 |
| Average equity | $31,280,500 | 2,286 |
| Average total loans | $73,773,000 | 4,028 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9407% | 6,101 |
| Cost of funding earning assets | 0.1707% | 5,528 |
| Net interest margin | 1.7700% | 6,084 |
| Noninterest income to average assets | 0.4555% | 3,625 |
| Noninterest expense to average assets | 1.6608% | 5,881 |
| Loan and lease loss provision to assets | 0.0918% | 2,466 |
| Net operating income to assets | 0.4035% | 5,046 |
| Return on assets (ROA) | 0.4035% | 5,123 |
| Pretax return on assets | 0.4035% | 5,313 |
| Return on Equity (ROE) | 3.7111% | 5,061 |
| Retained earnings to average equity (ytd only) | 0.8604% | 5,175 |
| Net charge-offs to loans | 0.3351% | 886 |
| Credit loss provision to net charge-offs | 105.6225% | 2,381 |
| Earnings coverage of net charge-offs (x) | 5.6988% | 3,341 |
| Efficiency ratio | 77.0277% | 2,112 |
| Assets per employee ($millions) | 4.7913% | 2,619 |
| Cash dividends to net income (ytd only)* | 76.8166% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 2,687 |
| Loan loss allowance to noncurrent loans | 31.8066% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4659% | 1,398 |
| Noncurrent loans to loans | 4.2281% | 272 |
| Net loans and leases to total assets | 25.9505% | 5,979 |
| Net loans and leases to deposits | 29.1894% | 6,003 |
| Net loans and leases to core deposits | 30.3912% | 6,001 |
| Total domestic deposits to total assets | 88.9040% | 1,169 |
| Equity capital to assets | 10.9096% | 2,921 |
| Core capital (leverage) ratio | 10.9655% | 2,440 |
| Tier 1 risk-based capital ratio | 30.1008% | 501 |
| Total risk-based capital ratio | 31.0618% | 505 |
| Memoranda: | ||
| Average total assets | $286,486,800 | 2,226 |
| Average earning assets | $275,258,000 | 2,165 |
| Average equity | $31,150,000 | 2,242 |
| Average total loans | $74,304,800 | 3,986 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9206% | 6,196 |
| Cost of funding earning assets | 0.1713% | 5,619 |
| Net interest margin | 1.7492% | 6,177 |
| Noninterest income to average assets | 0.4179% | 3,947 |
| Noninterest expense to average assets | 1.6991% | 5,900 |
| Loan and lease loss provision to assets | 0.1220% | 1,863 |
| Net operating income to assets | 0.2779% | 5,520 |
| Return on assets (ROA) | 0.2779% | 5,597 |
| Pretax return on assets | 0.2779% | 5,675 |
| Return on Equity (ROE) | 2.5575% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.5575% | 4,599 |
| Net charge-offs to loans | 0.4469% | 571 |
| Credit loss provision to net charge-offs | 105.6225% | 2,179 |
| Earnings coverage of net charge-offs (x) | 3.4619% | 3,495 |
| Efficiency ratio | 80.9503% | 1,525 |
| Assets per employee ($millions) | 4.6937% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 2,882 |
| Loan loss allowance to noncurrent loans | 32.0924% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 1,540 |
| Noncurrent loans to loans | 4.1912% | 292 |
| Net loans and leases to total assets | 26.0443% | 6,063 |
| Net loans and leases to deposits | 29.4711% | 6,082 |
| Net loans and leases to core deposits | 30.6978% | 6,086 |
| Total domestic deposits to total assets | 88.3723% | 1,361 |
| Equity capital to assets | 11.2822% | 2,720 |
| Core capital (leverage) ratio | 10.9907% | 2,495 |
| Tier 1 risk-based capital ratio | 30.3687% | 500 |
| Total risk-based capital ratio | 31.3281% | 512 |
| Memoranda: | ||
| Average total assets | $287,436,500 | 2,240 |
| Average earning assets | $276,230,750 | 2,176 |
| Average equity | $31,227,500 | 2,258 |
| Average total loans | $74,291,250 | 4,027 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8970% | 6,273 |
| Cost of funding earning assets | 0.1712% | 5,686 |
| Net interest margin | 1.7258% | 6,254 |
| Noninterest income to average assets | 0.4168% | 3,951 |
| Noninterest expense to average assets | 1.6553% | 6,012 |
| Loan and lease loss provision to assets | 0.1818% | 1,124 |
| Net operating income to assets | 0.2378% | 5,610 |
| Return on assets (ROA) | 0.2378% | 5,680 |
| Pretax return on assets | 0.2378% | 5,763 |
| Return on Equity (ROE) | 2.2161% | 5,636 |
| Retained earnings to average equity (ytd only) | 2.2161% | 4,605 |
| Net charge-offs to loans | 0.5386% | 454 |
| Credit loss provision to net charge-offs | 131.5000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 3.0350% | 3,253 |
| Efficiency ratio | 79.7801% | 1,792 |
| Assets per employee ($millions) | 4.9889% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 2,656 |
| Loan loss allowance to noncurrent loans | 32.2670% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5075% | 1,629 |
| Noncurrent loans to loans | 4.4064% | 317 |
| Net loans and leases to total assets | 25.1349% | 6,143 |
| Net loans and leases to deposits | 28.2884% | 6,163 |
| Net loans and leases to core deposits | 29.4259% | 6,165 |
| Total domestic deposits to total assets | 88.8523% | 1,219 |
| Equity capital to assets | 10.8543% | 3,047 |
| Core capital (leverage) ratio | 10.6446% | 2,798 |
| Tier 1 risk-based capital ratio | 30.6780% | 508 |
| Total risk-based capital ratio | 31.7029% | 510 |
| Memoranda: | ||
| Average total assets | $289,375,330 | 2,239 |
| Average earning assets | $278,018,000 | 2,178 |
| Average equity | $31,045,670 | 2,278 |
| Average total loans | $74,273,000 | 4,052 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8770% | 6,346 |
| Cost of funding earning assets | 0.1742% | 5,730 |
| Net interest margin | 1.7028% | 6,327 |
| Noninterest income to average assets | 0.4257% | 3,797 |
| Noninterest expense to average assets | 1.6076% | 6,106 |
| Loan and lease loss provision to assets | 0.3635% | 343 |
| Net operating income to assets | 0.0898% | 5,895 |
| Return on assets (ROA) | 0.0898% | 5,951 |
| Pretax return on assets | 0.0898% | 5,958 |
| Return on Equity (ROE) | 0.8424% | 5,943 |
| Retained earnings to average equity (ytd only) | 0.8424% | 5,124 |
| Net charge-offs to loans | 1.0574% | 227 |
| Credit loss provision to net charge-offs | 133.5025% | 1,347 |
| Earnings coverage of net charge-offs (x) | 1.6650% | 2,886 |
| Efficiency ratio | 78.0013% | 2,190 |
| Assets per employee ($millions) | 5.1218% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 2,813 |
| Loan loss allowance to noncurrent loans | 353.0201% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 4,132 |
| Noncurrent loans to loans | 0.4033% | 4,384 |
| Net loans and leases to total assets | 24.5170% | 6,204 |
| Net loans and leases to deposits | 27.4673% | 6,227 |
| Net loans and leases to core deposits | 28.5366% | 6,227 |
| Total domestic deposits to total assets | 89.2590% | 1,109 |
| Equity capital to assets | 10.4980% | 3,536 |
| Core capital (leverage) ratio | 10.4377% | 3,049 |
| Tier 1 risk-based capital ratio | 29.4381% | 573 |
| Total risk-based capital ratio | 30.4333% | 571 |
| Memoranda: | ||
| Average total assets | $289,383,500 | 2,252 |
| Average earning assets | $277,895,000 | 2,190 |
| Average equity | $30,864,500 | 2,300 |
| Average total loans | $74,520,000 | 4,063 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0150% | 6,421 |
| Cost of funding earning assets | 0.1743% | 5,947 |
| Net interest margin | 1.8406% | 6,399 |
| Noninterest income to average assets | 0.6173% | 2,754 |
| Noninterest expense to average assets | 1.8259% | 6,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5549% | 4,582 |
| Return on assets (ROA) | 0.5549% | 4,670 |
| Pretax return on assets | 0.5549% | 5,091 |
| Return on Equity (ROE) | 5.0288% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.1448% | 5,264 |
| Net charge-offs to loans | 0.0105% | 4,696 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 194.3750% | 277 |
| Efficiency ratio | 76.6936% | 2,414 |
| Assets per employee ($millions) | 4.9421% | 2,395 |
| Cash dividends to net income (ytd only)* | 77.2347% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 3,354 |
| Loan loss allowance to noncurrent loans | 497.9798% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 4,173 |
| Noncurrent loans to loans | 0.2635% | 4,898 |
| Net loans and leases to total assets | 26.3294% | 6,271 |
| Net loans and leases to deposits | 29.5996% | 6,299 |
| Net loans and leases to core deposits | 30.9141% | 6,295 |
| Total domestic deposits to total assets | 88.9521% | 1,263 |
| Equity capital to assets | 10.8424% | 3,067 |
| Core capital (leverage) ratio | 10.8272% | 2,585 |
| Tier 1 risk-based capital ratio | 28.2217% | 607 |
| Total risk-based capital ratio | 29.1177% | 615 |
| Memoranda: | ||
| Average total assets | $280,251,400 | 2,278 |
| Average earning assets | $268,493,000 | 2,206 |
| Average equity | $30,922,000 | 2,225 |
| Average total loans | $75,964,600 | 3,994 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0046% | 6,502 |
| Cost of funding earning assets | 0.1746% | 6,036 |
| Net interest margin | 1.8300% | 6,481 |
| Noninterest income to average assets | 0.6702% | 2,473 |
| Noninterest expense to average assets | 1.7726% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6502% | 4,219 |
| Return on assets (ROA) | 0.6502% | 4,312 |
| Pretax return on assets | 0.6502% | 4,872 |
| Return on Equity (ROE) | 5.8676% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.8676% | 2,489 |
| Net charge-offs to loans | 0.0140% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 170.5670% | 365 |
| Efficiency ratio | 73.1616% | 2,965 |
| Assets per employee ($millions) | 5.0246% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 3,991 |
| Loan loss allowance to noncurrent loans | 299.6960% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 4,266 |
| Noncurrent loans to loans | 0.4152% | 4,666 |
| Net loans and leases to total assets | 27.8112% | 6,320 |
| Net loans and leases to deposits | 31.4684% | 6,350 |
| Net loans and leases to core deposits | 32.8680% | 6,343 |
| Total domestic deposits to total assets | 88.3783% | 1,566 |
| Equity capital to assets | 11.2659% | 2,691 |
| Core capital (leverage) ratio | 11.2584% | 2,254 |
| Tier 1 risk-based capital ratio | 28.7900% | 594 |
| Total risk-based capital ratio | 29.6753% | 598 |
| Memoranda: | ||
| Average total assets | $279,889,250 | 2,296 |
| Average earning assets | $268,040,500 | 2,223 |
| Average equity | $31,016,750 | 2,228 |
| Average total loans | $76,166,750 | 4,028 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9857% | 6,574 |
| Cost of funding earning assets | 0.1758% | 6,102 |
| Net interest margin | 1.8098% | 6,552 |
| Noninterest income to average assets | 0.4553% | 3,830 |
| Noninterest expense to average assets | 1.7882% | 6,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3987% | 5,225 |
| Return on assets (ROA) | 0.3987% | 5,302 |
| Pretax return on assets | 0.3987% | 5,566 |
| Return on Equity (ROE) | 3.6182% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.6182% | 3,885 |
| Net charge-offs to loans | 0.0266% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 55.7000% | 855 |
| Efficiency ratio | 81.7676% | 1,768 |
| Assets per employee ($millions) | 5.0718% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 3,762 |
| Loan loss allowance to noncurrent loans | 274.8603% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 4,451 |
| Noncurrent loans to loans | 0.4793% | 4,563 |
| Net loans and leases to total assets | 25.9490% | 6,417 |
| Net loans and leases to deposits | 29.2456% | 6,439 |
| Net loans and leases to core deposits | 30.5670% | 6,442 |
| Total domestic deposits to total assets | 88.7280% | 1,516 |
| Equity capital to assets | 10.9608% | 2,916 |
| Core capital (leverage) ratio | 10.9142% | 2,515 |
| Tier 1 risk-based capital ratio | 29.3943% | 549 |
| Total risk-based capital ratio | 30.3196% | 563 |
| Memoranda: | ||
| Average total assets | $279,392,670 | 2,297 |
| Average earning assets | $267,315,670 | 2,227 |
| Average equity | $30,789,000 | 2,229 |
| Average total loans | $75,142,000 | 4,072 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9838% | 6,648 |
| Cost of funding earning assets | 0.1777% | 6,185 |
| Net interest margin | 1.8061% | 6,628 |
| Noninterest income to average assets | 0.5024% | 3,391 |
| Noninterest expense to average assets | 1.8955% | 6,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3378% | 5,362 |
| Return on assets (ROA) | 0.3378% | 5,416 |
| Pretax return on assets | 0.3378% | 5,626 |
| Return on Equity (ROE) | 3.0570% | 5,441 |
| Retained earnings to average equity (ytd only) | 3.0570% | 4,281 |
| Net charge-offs to loans | 0.0584% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.2727% | 1,300 |
| Efficiency ratio | 84.8739% | 1,570 |
| Assets per employee ($millions) | 5.0565% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 4,073 |
| Loan loss allowance to noncurrent loans | 196.9940% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 4,558 |
| Noncurrent loans to loans | 0.6650% | 4,201 |
| Net loans and leases to total assets | 26.1508% | 6,467 |
| Net loans and leases to deposits | 29.4103% | 6,489 |
| Net loans and leases to core deposits | 30.7394% | 6,485 |
| Total domestic deposits to total assets | 88.9169% | 1,712 |
| Equity capital to assets | 10.8157% | 2,920 |
| Core capital (leverage) ratio | 10.9384% | 2,451 |
| Tier 1 risk-based capital ratio | 27.4807% | 682 |
| Total risk-based capital ratio | 28.3539% | 694 |
| Memoranda: | ||
| Average total assets | $277,078,000 | 2,320 |
| Average earning assets | $265,549,000 | 2,246 |
| Average equity | $30,618,000 | 2,235 |
| Average total loans | $75,370,500 | 4,087 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0834% | 6,703 |
| Cost of funding earning assets | 0.1729% | 6,424 |
| Net interest margin | 1.9105% | 6,665 |
| Noninterest income to average assets | 0.5378% | 3,495 |
| Noninterest expense to average assets | 1.7997% | 6,319 |
| Loan and lease loss provision to assets | 0.1187% | 2,830 |
| Net operating income to assets | 0.4492% | 4,959 |
| Return on assets (ROA) | 0.4492% | 5,086 |
| Pretax return on assets | 0.4492% | 5,366 |
| Return on Equity (ROE) | 3.9086% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.3180% | 5,234 |
| Net charge-offs to loans | 0.2654% | 2,370 |
| Credit loss provision to net charge-offs | 157.9208% | 1,454 |
| Earnings coverage of net charge-offs (x) | 7.5545% | 2,817 |
| Efficiency ratio | 76.0138% | 2,766 |
| Assets per employee ($millions) | 4.5166% | 2,874 |
| Cash dividends to net income (ytd only)* | 66.2800% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,079 |
| Loan loss allowance to noncurrent loans | 205.3719% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 4,585 |
| Noncurrent loans to loans | 0.6393% | 4,380 |
| Net loans and leases to total assets | 27.5707% | 6,531 |
| Net loans and leases to deposits | 31.1632% | 6,557 |
| Net loans and leases to core deposits | 32.6420% | 6,548 |
| Total domestic deposits to total assets | 88.4721% | 1,918 |
| Equity capital to assets | 11.2955% | 2,344 |
| Core capital (leverage) ratio | 11.2925% | 2,128 |
| Tier 1 risk-based capital ratio | 29.5952% | 520 |
| Total risk-based capital ratio | 30.5534% | 527 |
| Memoranda: | ||
| Average total assets | $268,710,000 | 2,360 |
| Average earning assets | $257,369,200 | 2,266 |
| Average equity | $30,880,800 | 2,205 |
| Average total loans | $76,102,200 | 4,055 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1181% | 6,782 |
| Cost of funding earning assets | 0.1729% | 6,536 |
| Net interest margin | 1.9452% | 6,737 |
| Noninterest income to average assets | 0.5087% | 3,745 |
| Noninterest expense to average assets | 1.8139% | 6,323 |
| Loan and lease loss provision to assets | 0.1715% | 2,118 |
| Net operating income to assets | 0.3859% | 5,297 |
| Return on assets (ROA) | 0.3859% | 5,435 |
| Pretax return on assets | 0.3859% | 5,661 |
| Return on Equity (ROE) | 3.3431% | 5,484 |
| Retained earnings to average equity (ytd only) | 3.3431% | 4,299 |
| Net charge-offs to loans | -0.0157% | 5,991 |
| Credit loss provision to net charge-offs | -3,833.3333% | 6,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4940% | 2,651 |
| Assets per employee ($millions) | 4.2885% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 2,852 |
| Loan loss allowance to noncurrent loans | 272.3451% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 4,805 |
| Noncurrent loans to loans | 0.6015% | 4,691 |
| Net loans and leases to total assets | 27.8016% | 6,603 |
| Net loans and leases to deposits | 31.5960% | 6,626 |
| Net loans and leases to core deposits | 33.1352% | 6,625 |
| Total domestic deposits to total assets | 87.9910% | 2,135 |
| Equity capital to assets | 11.6062% | 2,214 |
| Core capital (leverage) ratio | 11.4629% | 2,072 |
| Tier 1 risk-based capital ratio | 30.8402% | 482 |
| Total risk-based capital ratio | 32.0621% | 480 |
| Memoranda: | ||
| Average total assets | $268,139,000 | 2,382 |
| Average earning assets | $256,759,750 | 2,277 |
| Average equity | $30,948,500 | 2,218 |
| Average total loans | $76,200,500 | 4,081 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1218% | 6,831 |
| Cost of funding earning assets | 0.1707% | 6,624 |
| Net interest margin | 1.9511% | 6,783 |
| Noninterest income to average assets | 0.4954% | 3,867 |
| Noninterest expense to average assets | 1.7911% | 6,389 |
| Loan and lease loss provision to assets | 0.0327% | 4,278 |
| Net operating income to assets | 0.5415% | 4,597 |
| Return on assets (ROA) | 0.5415% | 4,765 |
| Pretax return on assets | 0.5415% | 5,232 |
| Return on Equity (ROE) | 4.7001% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.7001% | 3,262 |
| Net charge-offs to loans | -0.0366% | 6,147 |
| Credit loss provision to net charge-offs | -314.2857% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7233% | 2,824 |
| Assets per employee ($millions) | 4.4161% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,868 |
| Loan loss allowance to noncurrent loans | 192.9897% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 4,904 |
| Noncurrent loans to loans | 0.6342% | 4,671 |
| Net loans and leases to total assets | 27.5897% | 6,641 |
| Net loans and leases to deposits | 31.1981% | 6,674 |
| Net loans and leases to core deposits | 32.6645% | 6,670 |
| Total domestic deposits to total assets | 88.4339% | 1,962 |
| Equity capital to assets | 11.2301% | 2,539 |
| Core capital (leverage) ratio | 11.3011% | 2,089 |
| Tier 1 risk-based capital ratio | 29.6311% | 543 |
| Total risk-based capital ratio | 30.5251% | 551 |
| Memoranda: | ||
| Average total assets | $268,890,670 | 2,382 |
| Average earning assets | $257,700,000 | 2,282 |
| Average equity | $30,978,330 | 2,222 |
| Average total loans | $76,550,330 | 4,086 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1209% | 6,912 |
| Cost of funding earning assets | 0.1753% | 6,697 |
| Net interest margin | 1.9456% | 6,861 |
| Noninterest income to average assets | 0.5495% | 3,446 |
| Noninterest expense to average assets | 1.9157% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4999% | 4,661 |
| Return on assets (ROA) | 0.4999% | 4,815 |
| Pretax return on assets | 0.4999% | 5,255 |
| Return on Equity (ROE) | 4.2839% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.2839% | 3,657 |
| Net charge-offs to loans | -0.0679% | 6,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3039% | 2,428 |
| Assets per employee ($millions) | 4.3972% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,196 |
| Loan loss allowance to noncurrent loans | 67.1698% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 0.5099% | 5,115 |
| Noncurrent loans to loans | 1.7821% | 2,892 |
| Net loans and leases to total assets | 26.9461% | 6,697 |
| Net loans and leases to deposits | 30.5316% | 6,733 |
| Net loans and leases to core deposits | 32.0455% | 6,723 |
| Total domestic deposits to total assets | 88.2564% | 2,157 |
| Equity capital to assets | 11.4600% | 2,448 |
| Core capital (leverage) ratio | 11.3064% | 2,011 |
| Tier 1 risk-based capital ratio | 31.4387% | 470 |
| Total risk-based capital ratio | 32.3523% | 475 |
| Memoranda: | ||
| Average total assets | $266,435,500 | 2,429 |
| Average earning assets | $255,552,000 | 2,325 |
| Average equity | $31,093,500 | 2,235 |
| Average total loans | $76,587,000 | 4,119 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2881% | 6,971 |
| Cost of funding earning assets | 0.1845% | 6,865 |
| Net interest margin | 2.1036% | 6,899 |
| Noninterest income to average assets | 0.4855% | 3,994 |
| Noninterest expense to average assets | 1.8213% | 6,598 |
| Loan and lease loss provision to assets | 0.0427% | 5,320 |
| Net operating income to assets | 0.6302% | 4,085 |
| Return on assets (ROA) | 0.6302% | 4,355 |
| Pretax return on assets | 0.6302% | 4,890 |
| Return on Equity (ROE) | 5.2685% | 4,556 |
| Retained earnings to average equity (ytd only) | 0.7655% | 5,480 |
| Net charge-offs to loans | 0.4887% | 2,276 |
| Credit loss provision to net charge-offs | 28.9817% | 5,134 |
| Earnings coverage of net charge-offs (x) | 4.5666% | 3,326 |
| Efficiency ratio | 73.0217% | 3,236 |
| Assets per employee ($millions) | 3.7717% | 4,422 |
| Cash dividends to net income (ytd only)* | 85.4701% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,493 |
| Loan loss allowance to noncurrent loans | 256.7251% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 6,204 |
| Noncurrent loans to loans | 0.4339% | 5,411 |
| Net loans and leases to total assets | 29.9502% | 6,701 |
| Net loans and leases to deposits | 34.1201% | 6,737 |
| Net loans and leases to core deposits | 35.7970% | 6,732 |
| Total domestic deposits to total assets | 87.7788% | 2,361 |
| Equity capital to assets | 11.8903% | 2,118 |
| Core capital (leverage) ratio | 11.6262% | 1,785 |
| Tier 1 risk-based capital ratio | 29.9501% | 517 |
| Total risk-based capital ratio | 30.8171% | 526 |
| Memoranda: | ||
| Average total assets | $259,917,600 | 2,440 |
| Average earning assets | $248,198,000 | 2,341 |
| Average equity | $31,090,200 | 2,193 |
| Average total loans | $78,370,200 | 4,086 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2898% | 7,084 |
| Cost of funding earning assets | 0.1881% | 6,969 |
| Net interest margin | 2.1017% | 7,011 |
| Noninterest income to average assets | 0.4526% | 4,272 |
| Noninterest expense to average assets | 1.8688% | 6,580 |
| Loan and lease loss provision to assets | 0.1175% | 4,080 |
| Net operating income to assets | 0.4726% | 4,946 |
| Return on assets (ROA) | 0.4726% | 5,205 |
| Pretax return on assets | 0.4726% | 5,534 |
| Return on Equity (ROE) | 3.9451% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.9451% | 4,105 |
| Net charge-offs to loans | 0.5946% | 1,847 |
| Credit loss provision to net charge-offs | 65.6160% | 4,011 |
| Earnings coverage of net charge-offs (x) | 3.2952% | 3,706 |
| Efficiency ratio | 76.0017% | 2,680 |
| Assets per employee ($millions) | 4.1143% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3072% | 4,783 |
| Loan loss allowance to noncurrent loans | 31.0220% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 3,730 |
| Noncurrent loans to loans | 4.2139% | 1,172 |
| Net loans and leases to total assets | 29.9710% | 6,820 |
| Net loans and leases to deposits | 34.3263% | 6,856 |
| Net loans and leases to core deposits | 36.0328% | 6,854 |
| Total domestic deposits to total assets | 87.3119% | 2,494 |
| Equity capital to assets | 12.2456% | 2,077 |
| Core capital (leverage) ratio | 11.6875% | 1,851 |
| Tier 1 risk-based capital ratio | 29.9227% | 541 |
| Total risk-based capital ratio | 30.9167% | 541 |
| Memoranda: | ||
| Average total assets | $259,835,750 | 2,461 |
| Average earning assets | $248,051,750 | 2,368 |
| Average equity | $31,126,750 | 2,210 |
| Average total loans | $78,257,250 | 4,134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2650% | 7,154 |
| Cost of funding earning assets | 0.1893% | 7,050 |
| Net interest margin | 2.0757% | 7,081 |
| Noninterest income to average assets | 0.4230% | 4,476 |
| Noninterest expense to average assets | 1.9020% | 6,592 |
| Loan and lease loss provision to assets | 0.0769% | 4,654 |
| Net operating income to assets | 0.4261% | 5,124 |
| Return on assets (ROA) | 0.4261% | 5,356 |
| Pretax return on assets | 0.4261% | 5,642 |
| Return on Equity (ROE) | 3.5832% | 5,446 |
| Retained earnings to average equity (ytd only) | 3.5832% | 4,211 |
| Net charge-offs to loans | 0.0077% | 5,372 |
| Credit loss provision to net charge-offs | 3,333.3333% | 90 |
| Earnings coverage of net charge-offs (x) | 218.0000% | 199 |
| Efficiency ratio | 79.0854% | 2,309 |
| Assets per employee ($millions) | 4.0771% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,629 |
| Loan loss allowance to noncurrent loans | 162.8758% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 6,047 |
| Noncurrent loans to loans | 0.9780% | 4,560 |
| Net loans and leases to total assets | 29.0445% | 6,896 |
| Net loans and leases to deposits | 33.0566% | 6,937 |
| Net loans and leases to core deposits | 34.7331% | 6,945 |
| Total domestic deposits to total assets | 87.8629% | 2,238 |
| Equity capital to assets | 11.7515% | 2,365 |
| Core capital (leverage) ratio | 11.6086% | 1,830 |
| Tier 1 risk-based capital ratio | 29.3413% | 552 |
| Total risk-based capital ratio | 30.5358% | 543 |
| Memoranda: | ||
| Average total assets | $260,046,330 | 2,461 |
| Average earning assets | $248,297,670 | 2,369 |
| Average equity | $30,922,000 | 2,208 |
| Average total loans | $78,104,670 | 4,154 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2881% | 7,214 |
| Cost of funding earning assets | 0.1973% | 7,111 |
| Net interest margin | 2.0907% | 7,132 |
| Noninterest income to average assets | 0.3432% | 5,111 |
| Noninterest expense to average assets | 2.0081% | 6,445 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3261% | 5,567 |
| Return on assets (ROA) | 0.3261% | 5,736 |
| Pretax return on assets | 0.3261% | 5,918 |
| Return on Equity (ROE) | 2.7263% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.7263% | 4,894 |
| Net charge-offs to loans | 0.0154% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 476 |
| Efficiency ratio | 86.0279% | 1,481 |
| Assets per employee ($millions) | 3.4487% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 4,300 |
| Loan loss allowance to noncurrent loans | 169.5266% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.2594% | 6,237 |
| Noncurrent loans to loans | 0.8664% | 4,935 |
| Net loans and leases to total assets | 29.3326% | 6,935 |
| Net loans and leases to deposits | 33.3737% | 6,973 |
| Net loans and leases to core deposits | 35.1416% | 6,961 |
| Total domestic deposits to total assets | 87.8914% | 2,400 |
| Equity capital to assets | 11.7678% | 2,208 |
| Core capital (leverage) ratio | 11.6334% | 1,810 |
| Tier 1 risk-based capital ratio | 28.7395% | 585 |
| Total risk-based capital ratio | 29.8277% | 589 |
| Memoranda: | ||
| Average total assets | $257,562,500 | 2,497 |
| Average earning assets | $245,271,500 | 2,408 |
| Average equity | $30,811,500 | 2,215 |
| Average total loans | $78,048,000 | 4,182 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4795% | 7,259 |
| Cost of funding earning assets | 0.2754% | 7,143 |
| Net interest margin | 2.2041% | 7,172 |
| Noninterest income to average assets | 0.5515% | 3,493 |
| Noninterest expense to average assets | 1.9795% | 6,708 |
| Loan and lease loss provision to assets | 0.0040% | 6,469 |
| Net operating income to assets | 0.6667% | 3,650 |
| Return on assets (ROA) | 0.6667% | 3,840 |
| Pretax return on assets | 0.6667% | 4,450 |
| Return on Equity (ROE) | 5.3020% | 4,249 |
| Retained earnings to average equity (ytd only) | 0.2563% | 5,710 |
| Net charge-offs to loans | 0.0497% | 5,816 |
| Credit loss provision to net charge-offs | 25.6410% | 5,843 |
| Earnings coverage of net charge-offs (x) | 42.6923% | 640 |
| Efficiency ratio | 74.6922% | 3,108 |
| Assets per employee ($millions) | 3.7209% | 4,506 |
| Cash dividends to net income (ytd only)* | 95.1662% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 4,142 |
| Loan loss allowance to noncurrent loans | 208.5299% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 6,391 |
| Noncurrent loans to loans | 0.7058% | 5,285 |
| Net loans and leases to total assets | 30.4002% | 6,996 |
| Net loans and leases to deposits | 34.7322% | 7,029 |
| Net loans and leases to core deposits | 36.6510% | 7,025 |
| Total domestic deposits to total assets | 87.5275% | 2,454 |
| Equity capital to assets | 12.1646% | 1,998 |
| Core capital (leverage) ratio | 12.0041% | 1,592 |
| Tier 1 risk-based capital ratio | 28.7971% | 575 |
| Total risk-based capital ratio | 29.8981% | 568 |
| Memoranda: | ||
| Average total assets | $248,240,000 | 2,537 |
| Average earning assets | $236,377,000 | 2,437 |
| Average equity | $31,214,800 | 2,121 |
| Average total loans | $78,487,600 | 4,194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5284% | 7,339 |
| Cost of funding earning assets | 0.2894% | 7,225 |
| Net interest margin | 2.2390% | 7,243 |
| Noninterest income to average assets | 0.5613% | 3,439 |
| Noninterest expense to average assets | 2.0411% | 6,610 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6536% | 3,855 |
| Return on assets (ROA) | 0.6536% | 4,019 |
| Pretax return on assets | 0.6536% | 4,631 |
| Return on Equity (ROE) | 5.1547% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.1547% | 3,088 |
| Net charge-offs to loans | 0.0577% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 35.6195% | 836 |
| Efficiency ratio | 75.7460% | 2,878 |
| Assets per employee ($millions) | 3.5480% | 4,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 4,180 |
| Loan loss allowance to noncurrent loans | 159.3315% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 6,334 |
| Noncurrent loans to loans | 0.9316% | 5,017 |
| Net loans and leases to total assets | 30.5704% | 7,070 |
| Net loans and leases to deposits | 35.2963% | 7,093 |
| Net loans and leases to core deposits | 37.3076% | 7,094 |
| Total domestic deposits to total assets | 86.6109% | 2,876 |
| Equity capital to assets | 12.8866% | 1,671 |
| Core capital (leverage) ratio | 12.5752% | 1,400 |
| Tier 1 risk-based capital ratio | 29.8188% | 549 |
| Total risk-based capital ratio | 30.9127% | 547 |
| Memoranda: | ||
| Average total assets | $247,044,750 | 2,566 |
| Average earning assets | $235,396,250 | 2,457 |
| Average equity | $31,323,750 | 2,118 |
| Average total loans | $78,592,500 | 4,221 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5772% | 7,408 |
| Cost of funding earning assets | 0.2989% | 7,310 |
| Net interest margin | 2.2782% | 7,284 |
| Noninterest income to average assets | 0.5482% | 3,484 |
| Noninterest expense to average assets | 2.0162% | 6,755 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7015% | 3,540 |
| Return on assets (ROA) | 0.7015% | 3,647 |
| Pretax return on assets | 0.7015% | 4,380 |
| Return on Equity (ROE) | 5.5633% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.5633% | 2,655 |
| Net charge-offs to loans | 0.0986% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 22.1795% | 1,125 |
| Efficiency ratio | 74.1868% | 3,331 |
| Assets per employee ($millions) | 3.6111% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 4,302 |
| Loan loss allowance to noncurrent loans | 153.2974% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 6,386 |
| Noncurrent loans to loans | 0.9508% | 5,083 |
| Net loans and leases to total assets | 30.9043% | 7,148 |
| Net loans and leases to deposits | 35.6141% | 7,179 |
| Net loans and leases to core deposits | 37.6318% | 7,182 |
| Total domestic deposits to total assets | 86.7755% | 2,870 |
| Equity capital to assets | 12.7682% | 1,641 |
| Core capital (leverage) ratio | 12.3449% | 1,429 |
| Tier 1 risk-based capital ratio | 29.2939% | 575 |
| Total risk-based capital ratio | 30.3758% | 578 |
| Memoranda: | ||
| Average total assets | $246,607,000 | 2,586 |
| Average earning assets | $234,833,000 | 2,475 |
| Average equity | $31,096,670 | 2,118 |
| Average total loans | $79,100,670 | 4,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5673% | 7,472 |
| Cost of funding earning assets | 0.3070% | 7,379 |
| Net interest margin | 2.2603% | 7,331 |
| Noninterest income to average assets | 0.5723% | 3,355 |
| Noninterest expense to average assets | 2.0528% | 6,734 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6685% | 3,670 |
| Return on assets (ROA) | 0.6685% | 3,741 |
| Pretax return on assets | 0.6685% | 4,425 |
| Return on Equity (ROE) | 5.3354% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.3354% | 2,978 |
| Net charge-offs to loans | 0.0452% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 45.5556% | 620 |
| Efficiency ratio | 75.4344% | 3,256 |
| Assets per employee ($millions) | 3.7584% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,364 |
| Loan loss allowance to noncurrent loans | 158.1867% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 6,462 |
| Noncurrent loans to loans | 0.9270% | 5,179 |
| Net loans and leases to total assets | 31.1939% | 7,198 |
| Net loans and leases to deposits | 35.7313% | 7,230 |
| Net loans and leases to core deposits | 37.6388% | 7,229 |
| Total domestic deposits to total assets | 87.3014% | 2,761 |
| Equity capital to assets | 12.2908% | 1,743 |
| Core capital (leverage) ratio | 12.2428% | 1,433 |
| Tier 1 risk-based capital ratio | 28.2992% | 616 |
| Total risk-based capital ratio | 29.3880% | 611 |
| Memoranda: | ||
| Average total assets | $245,327,500 | 2,614 |
| Average earning assets | $233,238,500 | 2,513 |
| Average equity | $30,738,000 | 2,129 |
| Average total loans | $79,580,000 | 4,268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8671% | 7,511 |
| Cost of funding earning assets | 0.4010% | 7,426 |
| Net interest margin | 2.4661% | 7,290 |
| Noninterest income to average assets | 0.6537% | 3,125 |
| Noninterest expense to average assets | 2.1987% | 6,618 |
| Loan and lease loss provision to assets | 0.1339% | 5,834 |
| Net operating income to assets | 0.6435% | 3,467 |
| Return on assets (ROA) | 0.6435% | 3,617 |
| Pretax return on assets | 0.6435% | 4,187 |
| Return on Equity (ROE) | 5.0389% | 4,052 |
| Retained earnings to average equity (ytd only) | 0.1475% | 5,505 |
| Net charge-offs to loans | 0.7458% | 2,784 |
| Credit loss provision to net charge-offs | 57.3684% | 6,130 |
| Earnings coverage of net charge-offs (x) | 3.3298% | 3,414 |
| Efficiency ratio | 73.8783% | 3,420 |
| Assets per employee ($millions) | 3.4614% | 5,021 |
| Cash dividends to net income (ytd only)* | 97.0719% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 4,112 |
| Loan loss allowance to noncurrent loans | 118.2731% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 6,230 |
| Noncurrent loans to loans | 1.2538% | 4,625 |
| Net loans and leases to total assets | 32.7675% | 7,267 |
| Net loans and leases to deposits | 38.0117% | 7,303 |
| Net loans and leases to core deposits | 40.5261% | 7,293 |
| Total domestic deposits to total assets | 86.2037% | 3,247 |
| Equity capital to assets | 12.7809% | 1,494 |
| Core capital (leverage) ratio | 12.5208% | 1,305 |
| Tier 1 risk-based capital ratio | 28.5759% | 568 |
| Total risk-based capital ratio | 29.6989% | 565 |
| Memoranda: | ||
| Average total assets | $244,142,200 | 2,603 |
| Average earning assets | $229,920,800 | 2,525 |
| Average equity | $31,177,400 | 2,103 |
| Average total loans | $76,428,800 | 4,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 7,632 |
| Cost of funding earning assets | 0.4215% | 7,544 |
| Net interest margin | 2.5121% | 7,373 |
| Noninterest income to average assets | 0.5921% | 3,496 |
| Noninterest expense to average assets | 2.0689% | 6,921 |
| Loan and lease loss provision to assets | 0.1173% | 5,857 |
| Net operating income to assets | 0.7691% | 3,136 |
| Return on assets (ROA) | 0.7691% | 3,290 |
| Pretax return on assets | 0.7691% | 4,014 |
| Return on Equity (ROE) | 6.0240% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.0240% | 2,340 |
| Net charge-offs to loans | 0.9708% | 2,054 |
| Credit loss provision to net charge-offs | 39.2015% | 6,025 |
| Earnings coverage of net charge-offs (x) | 2.9619% | 3,645 |
| Efficiency ratio | 70.0055% | 4,066 |
| Assets per employee ($millions) | 3.4527% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,157 |
| Loan loss allowance to noncurrent loans | 110.5906% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 6,407 |
| Noncurrent loans to loans | 1.3198% | 4,659 |
| Net loans and leases to total assets | 30.3363% | 7,457 |
| Net loans and leases to deposits | 35.2490% | 7,487 |
| Net loans and leases to core deposits | 38.4713% | 7,449 |
| Total domestic deposits to total assets | 86.0630% | 3,044 |
| Equity capital to assets | 13.3710% | 1,403 |
| Core capital (leverage) ratio | 12.9767% | 1,239 |
| Tier 1 risk-based capital ratio | 30.3572% | 498 |
| Total risk-based capital ratio | 31.4090% | 491 |
| Memoranda: | ||
| Average total assets | $245,467,750 | 2,628 |
| Average earning assets | $230,932,500 | 2,556 |
| Average equity | $31,340,250 | 2,108 |
| Average total loans | $75,676,000 | 4,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9788% | 7,713 |
| Cost of funding earning assets | 0.4381% | 7,623 |
| Net interest margin | 2.5407% | 7,394 |
| Noninterest income to average assets | 0.5942% | 3,379 |
| Noninterest expense to average assets | 2.0557% | 7,007 |
| Loan and lease loss provision to assets | 0.1321% | 5,567 |
| Net operating income to assets | 0.7895% | 3,014 |
| Return on assets (ROA) | 0.7895% | 3,163 |
| Pretax return on assets | 0.7895% | 3,921 |
| Return on Equity (ROE) | 6.2808% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.2808% | 2,180 |
| Net charge-offs to loans | 0.0578% | 5,585 |
| Credit loss provision to net charge-offs | 740.9091% | 509 |
| Earnings coverage of net charge-offs (x) | 51.6818% | 575 |
| Efficiency ratio | 69.0444% | 4,371 |
| Assets per employee ($millions) | 3.4404% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0481% | 2,072 |
| Loan loss allowance to noncurrent loans | 97.3225% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 5,852 |
| Noncurrent loans to loans | 2.1045% | 3,585 |
| Net loans and leases to total assets | 30.6019% | 7,518 |
| Net loans and leases to deposits | 35.3950% | 7,545 |
| Net loans and leases to core deposits | 38.6632% | 7,520 |
| Total domestic deposits to total assets | 86.4584% | 2,843 |
| Equity capital to assets | 13.0373% | 1,553 |
| Core capital (leverage) ratio | 12.4797% | 1,415 |
| Tier 1 risk-based capital ratio | 29.2844% | 552 |
| Total risk-based capital ratio | 30.5372% | 538 |
| Memoranda: | ||
| Average total assets | $246,728,000 | 2,631 |
| Average earning assets | $231,434,670 | 2,573 |
| Average equity | $31,015,000 | 2,126 |
| Average total loans | $76,099,670 | 4,567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0195% | 7,804 |
| Cost of funding earning assets | 0.4563% | 7,727 |
| Net interest margin | 2.5632% | 7,418 |
| Noninterest income to average assets | 0.6098% | 3,213 |
| Noninterest expense to average assets | 2.1568% | 6,790 |
| Loan and lease loss provision to assets | 0.2855% | 3,743 |
| Net operating income to assets | 0.5598% | 4,084 |
| Return on assets (ROA) | 0.5598% | 4,229 |
| Pretax return on assets | 0.5598% | 4,753 |
| Return on Equity (ROE) | 4.5360% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.5360% | 3,435 |
| Net charge-offs to loans | 0.0947% | 4,467 |
| Credit loss provision to net charge-offs | 983.3333% | 473 |
| Earnings coverage of net charge-offs (x) | 29.1111% | 890 |
| Efficiency ratio | 71.8431% | 3,957 |
| Assets per employee ($millions) | 3.5082% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 2,011 |
| Loan loss allowance to noncurrent loans | 147.6636% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 6,399 |
| Noncurrent loans to loans | 1.4025% | 4,632 |
| Net loans and leases to total assets | 29.9964% | 7,623 |
| Net loans and leases to deposits | 34.3811% | 7,649 |
| Net loans and leases to core deposits | 37.6036% | 7,628 |
| Total domestic deposits to total assets | 87.2467% | 2,506 |
| Equity capital to assets | 12.3093% | 1,869 |
| Core capital (leverage) ratio | 12.1547% | 1,567 |
| Tier 1 risk-based capital ratio | 29.2414% | 569 |
| Total risk-based capital ratio | 30.4951% | 553 |
| Memoranda: | ||
| Average total assets | $247,957,500 | 2,675 |
| Average earning assets | $231,427,000 | 2,630 |
| Average equity | $30,599,500 | 2,176 |
| Average total loans | $75,992,500 | 4,637 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3641% | 7,847 |
| Cost of funding earning assets | 0.6370% | 7,747 |
| Net interest margin | 2.7272% | 7,170 |
| Noninterest income to average assets | 0.6275% | 3,444 |
| Noninterest expense to average assets | 2.2234% | 6,930 |
| Loan and lease loss provision to assets | 0.2867% | 5,134 |
| Net operating income to assets | 0.6767% | 3,027 |
| Return on assets (ROA) | 0.6767% | 3,081 |
| Pretax return on assets | 0.6767% | 3,661 |
| Return on Equity (ROE) | 5.3145% | 3,525 |
| Retained earnings to average equity (ytd only) | 1.0966% | 4,274 |
| Net charge-offs to loans | 1.0863% | 2,248 |
| Credit loss provision to net charge-offs | 88.0711% | 6,064 |
| Earnings coverage of net charge-offs (x) | 2.9594% | 3,600 |
| Efficiency ratio | 69.7693% | 4,675 |
| Assets per employee ($millions) | 3.3813% | 5,307 |
| Cash dividends to net income (ytd only)* | 79.3651% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8774% | 2,324 |
| Loan loss allowance to noncurrent loans | 111.8898% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 6,165 |
| Noncurrent loans to loans | 1.6779% | 4,132 |
| Net loans and leases to total assets | 30.0885% | 7,707 |
| Net loans and leases to deposits | 34.4905% | 7,752 |
| Net loans and leases to core deposits | 39.0593% | 7,775 |
| Total domestic deposits to total assets | 87.2372% | 2,369 |
| Equity capital to assets | 12.3722% | 1,810 |
| Core capital (leverage) ratio | 12.4975% | 1,460 |
| Tier 1 risk-based capital ratio | 29.1243% | 573 |
| Total risk-based capital ratio | 30.3757% | 558 |
| Memoranda: | ||
| Average total assets | $242,063,400 | 2,699 |
| Average earning assets | $227,160,000 | 2,626 |
| Average equity | $30,821,200 | 2,175 |
| Average total loans | $72,539,000 | 4,781 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4360% | 7,941 |
| Cost of funding earning assets | 0.6903% | 7,821 |
| Net interest margin | 2.7458% | 7,141 |
| Noninterest income to average assets | 0.6072% | 3,638 |
| Noninterest expense to average assets | 2.2999% | 6,707 |
| Loan and lease loss provision to assets | 0.3842% | 4,023 |
| Net operating income to assets | 0.5081% | 3,948 |
| Return on assets (ROA) | 0.5081% | 4,032 |
| Pretax return on assets | 0.5081% | 4,499 |
| Return on Equity (ROE) | 3.9621% | 4,386 |
| Retained earnings to average equity (ytd only) | 3.9621% | 3,062 |
| Net charge-offs to loans | 1.4550% | 1,417 |
| Credit loss provision to net charge-offs | 88.6335% | 5,518 |
| Earnings coverage of net charge-offs (x) | 2.0588% | 4,277 |
| Efficiency ratio | 72.0479% | 4,235 |
| Assets per employee ($millions) | 3.2491% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 1,845 |
| Loan loss allowance to noncurrent loans | 131.5789% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 6,316 |
| Noncurrent loans to loans | 1.5051% | 4,400 |
| Net loans and leases to total assets | 29.7358% | 7,814 |
| Net loans and leases to deposits | 34.5147% | 7,853 |
| Net loans and leases to core deposits | 38.9774% | 7,863 |
| Total domestic deposits to total assets | 86.1541% | 2,613 |
| Equity capital to assets | 13.2320% | 1,606 |
| Core capital (leverage) ratio | 12.6712% | 1,513 |
| Tier 1 risk-based capital ratio | 31.1310% | 512 |
| Total risk-based capital ratio | 32.3759% | 498 |
| Memoranda: | ||
| Average total assets | $240,870,500 | 2,723 |
| Average earning assets | $226,767,250 | 2,649 |
| Average equity | $30,891,750 | 2,192 |
| Average total loans | $71,751,250 | 4,851 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 8,021 |
| Cost of funding earning assets | 0.7682% | 7,856 |
| Net interest margin | 2.7551% | 7,097 |
| Noninterest income to average assets | 0.5973% | 3,721 |
| Noninterest expense to average assets | 2.3602% | 6,590 |
| Loan and lease loss provision to assets | 0.5733% | 2,718 |
| Net operating income to assets | 0.2561% | 5,063 |
| Return on assets (ROA) | 0.2561% | 5,160 |
| Pretax return on assets | 0.2561% | 5,312 |
| Return on Equity (ROE) | 2.0177% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.0177% | 4,222 |
| Net charge-offs to loans | 0.6445% | 2,422 |
| Credit loss provision to net charge-offs | 300.4329% | 1,544 |
| Earnings coverage of net charge-offs (x) | 4.3463% | 3,122 |
| Efficiency ratio | 73.9964% | 4,030 |
| Assets per employee ($millions) | 3.3747% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7538% | 712 |
| Loan loss allowance to noncurrent loans | 141.7921% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 5,983 |
| Noncurrent loans to loans | 1.9421% | 3,611 |
| Net loans and leases to total assets | 28.7471% | 7,916 |
| Net loans and leases to deposits | 33.1234% | 7,951 |
| Net loans and leases to core deposits | 37.3100% | 7,958 |
| Total domestic deposits to total assets | 86.7879% | 2,358 |
| Equity capital to assets | 12.5841% | 1,890 |
| Core capital (leverage) ratio | 12.1134% | 1,786 |
| Tier 1 risk-based capital ratio | 29.9695% | 609 |
| Total risk-based capital ratio | 31.2285% | 590 |
| Memoranda: | ||
| Average total assets | $242,100,000 | 2,733 |
| Average earning assets | $227,798,000 | 2,656 |
| Average equity | $30,727,670 | 2,216 |
| Average total loans | $71,684,000 | 4,898 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 8,068 |
| Cost of funding earning assets | 0.8306% | 7,883 |
| Net interest margin | 2.8349% | 6,915 |
| Noninterest income to average assets | 0.6406% | 3,265 |
| Noninterest expense to average assets | 2.3239% | 6,451 |
| Loan and lease loss provision to assets | 0.0281% | 6,571 |
| Net operating income to assets | 0.9551% | 2,494 |
| Return on assets (ROA) | 0.9551% | 2,625 |
| Pretax return on assets | 0.9551% | 3,518 |
| Return on Equity (ROE) | 7.4928% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.4928% | 2,028 |
| Net charge-offs to loans | 0.0950% | 4,223 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 34.9412% | 947 |
| Efficiency ratio | 70.2703% | 4,514 |
| Assets per employee ($millions) | 3.4457% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 1,178 |
| Loan loss allowance to noncurrent loans | 100.9327% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6262% | 5,613 |
| Noncurrent loans to loans | 2.1132% | 3,098 |
| Net loans and leases to total assets | 28.4148% | 7,952 |
| Net loans and leases to deposits | 32.7319% | 8,000 |
| Net loans and leases to core deposits | 37.0657% | 8,016 |
| Total domestic deposits to total assets | 86.8108% | 2,307 |
| Equity capital to assets | 12.6157% | 1,921 |
| Core capital (leverage) ratio | 12.3756% | 1,733 |
| Tier 1 risk-based capital ratio | 30.0818% | 615 |
| Total risk-based capital ratio | 31.3112% | 605 |
| Memoranda: | ||
| Average total assets | $241,659,500 | 2,754 |
| Average earning assets | $227,308,000 | 2,676 |
| Average equity | $30,803,000 | 2,202 |
| Average total loans | $71,612,000 | 4,924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 8,012 |
| Cost of funding earning assets | 1.2145% | 7,928 |
| Net interest margin | 3.3681% | 5,791 |
| Noninterest income to average assets | 0.7029% | 3,108 |
| Noninterest expense to average assets | 2.6704% | 5,380 |
| Loan and lease loss provision to assets | 0.1033% | 6,057 |
| Net operating income to assets | 1.0637% | 2,288 |
| Return on assets (ROA) | 1.0637% | 2,196 |
| Pretax return on assets | 1.0637% | 3,167 |
| Return on Equity (ROE) | 8.1066% | 3,029 |
| Retained earnings to average equity (ytd only) | 1.8990% | 4,047 |
| Net charge-offs to loans | 0.3127% | 3,302 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 11.2924% | 2,388 |
| Efficiency ratio | 69.5880% | 4,428 |
| Assets per employee ($millions) | 3.3149% | 5,176 |
| Cash dividends to net income (ytd only)* | 76.5747% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0985% | 1,076 |
| Loan loss allowance to noncurrent loans | 222.7941% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,444 |
| Noncurrent loans to loans | 0.9419% | 4,727 |
| Net loans and leases to total assets | 29.6130% | 7,993 |
| Net loans and leases to deposits | 34.1998% | 8,055 |
| Net loans and leases to core deposits | 39.0966% | 8,067 |
| Total domestic deposits to total assets | 86.5883% | 2,147 |
| Equity capital to assets | 12.8804% | 1,839 |
| Core capital (leverage) ratio | 12.6494% | 1,685 |
| Tier 1 risk-based capital ratio | 29.5033% | 667 |
| Total risk-based capital ratio | 30.7566% | 650 |
| Memoranda: | ||
| Average total assets | $228,352,400 | 2,788 |
| Average earning assets | $212,523,000 | 2,744 |
| Average equity | $29,963,400 | 2,265 |
| Average total loans | $75,477,600 | 4,669 |