Home > State Bank of Cochran > Performance and Condition Ratios
State Bank of Cochran, 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 | 6.7094% | 287 |
| Cost of funding earning assets | 0.4038% | 4,288 |
| Net interest margin | 6.3056% | 90 |
| Noninterest income to average assets | 0.9600% | 677 |
| Noninterest expense to average assets | 2.4500% | 2,448 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 4.5856% | 83 |
| Return on assets (ROA) | 4.5833% | 85 |
| Pretax return on assets | 4.5833% | 96 |
| Return on Equity (ROE) | 29.6500% | 188 |
| Retained earnings to average equity (ytd only) | 18.4410% | 173 |
| Net charge-offs to loans | 0.2000% | 530 |
| Credit loss provision to net charge-offs | 77.6398% | 2,038 |
| Earnings coverage of net charge-offs (x) | 37.5466% | 1,486 |
| Efficiency ratio | 34.3506% | 4,460 |
| Assets per employee ($millions) | 5.3954% | 3,329 |
| Cash dividends to net income (ytd only)* | 37.8148% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4968% | 81 |
| Loan loss allowance to noncurrent loans | 276.2115% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 662 |
| Noncurrent loans to loans | 1.2660% | 561 |
| Net loans and leases to total assets | 58.9100% | 2,959 |
| Net loans and leases to deposits | 71.7364% | 2,763 |
| Net loans and leases to core deposits | 73.0710% | 3,122 |
| Total domestic deposits to total assets | 82.1200% | 3,110 |
| Equity capital to assets | 17.1254% | 381 |
| Core capital (leverage) ratio | 17.9125% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9332% | 220 |
| Memoranda: | ||
| Average total assets | $258,199,600 | 2,628 |
| Average earning assets | $252,837,800 | 2,552 |
| Average equity | $39,905,600 | 1,890 |
| Average total loans | $161,021,600 | 2,597 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3280% | 361 |
| Cost of funding earning assets | 0.3422% | 4,323 |
| Net interest margin | 5.9859% | 110 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.4348% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.5964% | 92 |
| Return on assets (ROA) | 4.5964% | 92 |
| Pretax return on assets | 4.5964% | 104 |
| Return on Equity (ROE) | 30.5900% | 213 |
| Retained earnings to average equity (ytd only) | 15.1194% | 541 |
| Net charge-offs to loans | 0.0936% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 78.3009% | 1,059 |
| Efficiency ratio | 34.6287% | 4,467 |
| Assets per employee ($millions) | 5.0719% | 3,556 |
| Cash dividends to net income (ytd only)* | 50.5764% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3437% | 91 |
| Loan loss allowance to noncurrent loans | 204.2289% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.0868% | 452 |
| Noncurrent loans to loans | 1.6372% | 418 |
| Net loans and leases to total assets | 63.8600% | 2,466 |
| Net loans and leases to deposits | 77.3226% | 2,302 |
| Net loans and leases to core deposits | 78.6609% | 2,702 |
| Total domestic deposits to total assets | 82.5800% | 3,096 |
| Equity capital to assets | 16.5871% | 416 |
| Core capital (leverage) ratio | 16.7901% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9777% | 295 |
| Memoranda: | ||
| Average total assets | $256,656,250 | 2,646 |
| Average earning assets | $251,341,250 | 2,565 |
| Average equity | $38,563,250 | 1,917 |
| Average total loans | $160,932,750 | 2,601 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1524% | 371 |
| Cost of funding earning assets | 0.2708% | 4,354 |
| Net interest margin | 5.8816% | 117 |
| Noninterest income to average assets | 1.2300% | 425 |
| Noninterest expense to average assets | 2.4310% | 2,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 4.5607% | 82 |
| Return on assets (ROA) | 4.5607% | 84 |
| Pretax return on assets | 4.5607% | 95 |
| Return on Equity (ROE) | 31.4300% | 191 |
| Retained earnings to average equity (ytd only) | 7.4927% | 2,130 |
| Net charge-offs to loans | -0.0655% | 4,442 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 34.7691% | 4,494 |
| Assets per employee ($millions) | 5.1102% | 3,496 |
| Cash dividends to net income (ytd only)* | 76.1572% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4535% | 96 |
| Loan loss allowance to noncurrent loans | 208.2701% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 408 |
| Noncurrent loans to loans | 1.6582% | 381 |
| Net loans and leases to total assets | 63.1000% | 2,472 |
| Net loans and leases to deposits | 75.1302% | 2,394 |
| Net loans and leases to core deposits | 76.4981% | 2,728 |
| Total domestic deposits to total assets | 83.9900% | 2,816 |
| Equity capital to assets | 15.3090% | 493 |
| Core capital (leverage) ratio | 15.4171% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1301% | 350 |
| Memoranda: | ||
| Average total assets | $257,677,000 | 2,646 |
| Average earning assets | $252,585,000 | 2,569 |
| Average equity | $37,396,333 | 1,962 |
| Average total loans | $158,731,000 | 2,613 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4442% | 672 |
| Cost of funding earning assets | 0.2238% | 4,338 |
| Net interest margin | 5.2205% | 217 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.4316% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.6157% | 112 |
| Return on assets (ROA) | 3.6157% | 112 |
| Pretax return on assets | 3.6157% | 123 |
| Return on Equity (ROE) | 25.6100% | 378 |
| Retained earnings to average equity (ytd only) | -23.3848% | 4,614 |
| Net charge-offs to loans | -0.1087% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.2096% | 4,446 |
| Assets per employee ($millions) | 5.1753% | 3,516 |
| Cash dividends to net income (ytd only)* | 191.3211% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9585% | 63 |
| Loan loss allowance to noncurrent loans | 227.2793% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 349 |
| Noncurrent loans to loans | 1.7417% | 356 |
| Net loans and leases to total assets | 58.6700% | 2,804 |
| Net loans and leases to deposits | 68.3655% | 2,740 |
| Net loans and leases to core deposits | 69.6621% | 2,976 |
| Total domestic deposits to total assets | 85.8100% | 2,649 |
| Equity capital to assets | 13.7689% | 623 |
| Core capital (leverage) ratio | 13.7680% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5078% | 376 |
| Memoranda: | ||
| Average total assets | $258,761,000 | 2,675 |
| Average earning assets | $253,846,500 | 2,588 |
| Average equity | $36,536,500 | 2,019 |
| Average total loans | $154,600,500 | 2,664 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 1,274 |
| Cost of funding earning assets | 0.1291% | 4,235 |
| Net interest margin | 4.0579% | 718 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.3447% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.3993% | 164 |
| Return on assets (ROA) | 2.3890% | 160 |
| Pretax return on assets | 2.3890% | 237 |
| Return on Equity (ROE) | 17.9300% | 712 |
| Retained earnings to average equity (ytd only) | 5.6162% | 2,780 |
| Net charge-offs to loans | -0.0838% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.4245% | 4,161 |
| Assets per employee ($millions) | 5.3908% | 3,327 |
| Cash dividends to net income (ytd only)* | 68.6786% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1122% | 60 |
| Loan loss allowance to noncurrent loans | 255.0267% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 452 |
| Noncurrent loans to loans | 1.6125% | 400 |
| Net loans and leases to total assets | 56.0100% | 3,030 |
| Net loans and leases to deposits | 65.7735% | 2,904 |
| Net loans and leases to core deposits | 66.8305% | 3,076 |
| Total domestic deposits to total assets | 85.1500% | 2,954 |
| Equity capital to assets | 14.4707% | 527 |
| Core capital (leverage) ratio | 14.6811% | 609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7345% | 268 |
| Memoranda: | ||
| Average total assets | $260,072,000 | 2,670 |
| Average earning assets | $254,835,600 | 2,581 |
| Average equity | $34,649,800 | 2,126 |
| Average total loans | $141,960,000 | 2,706 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 1,480 |
| Cost of funding earning assets | 0.1249% | 4,081 |
| Net interest margin | 3.7765% | 981 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.3133% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8115% | 420 |
| Return on assets (ROA) | 1.8033% | 416 |
| Pretax return on assets | 1.8033% | 726 |
| Return on Equity (ROE) | 13.8300% | 1,476 |
| Retained earnings to average equity (ytd only) | -2.9257% | 4,537 |
| Net charge-offs to loans | -0.0296% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.0824% | 3,619 |
| Assets per employee ($millions) | 5.5601% | 3,159 |
| Cash dividends to net income (ytd only)* | 121.1528% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1508% | 63 |
| Loan loss allowance to noncurrent loans | 288.0583% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 559 |
| Noncurrent loans to loans | 1.4410% | 493 |
| Net loans and leases to total assets | 54.1400% | 3,087 |
| Net loans and leases to deposits | 62.7291% | 2,964 |
| Net loans and leases to core deposits | 63.7903% | 3,140 |
| Total domestic deposits to total assets | 86.3100% | 2,982 |
| Equity capital to assets | 13.2215% | 648 |
| Core capital (leverage) ratio | 13.4314% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8402% | 318 |
| Memoranda: | ||
| Average total assets | $260,400,500 | 2,684 |
| Average earning assets | $255,041,250 | 2,601 |
| Average equity | $33,951,250 | 2,190 |
| Average total loans | $139,666,250 | 2,734 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 1,570 |
| Cost of funding earning assets | 0.1241% | 3,917 |
| Net interest margin | 3.5622% | 1,154 |
| Noninterest income to average assets | 0.4137% | 2,671 |
| Noninterest expense to average assets | 2.2846% | 2,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6163% | 528 |
| Return on assets (ROA) | 1.6064% | 524 |
| Pretax return on assets | 1.6064% | 920 |
| Return on Equity (ROE) | 12.3788% | 1,558 |
| Retained earnings to average equity (ytd only) | -12.9062% | 4,693 |
| Net charge-offs to loans | -0.1299% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5650% | 3,480 |
| Assets per employee ($millions) | 5.3912% | 3,342 |
| Cash dividends to net income (ytd only)* | 204.2604% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4532% | 52 |
| Loan loss allowance to noncurrent loans | 264.0905% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9452% | 516 |
| Noncurrent loans to loans | 1.6862% | 419 |
| Net loans and leases to total assets | 50.2343% | 3,350 |
| Net loans and leases to deposits | 57.7157% | 3,251 |
| Net loans and leases to core deposits | 58.6076% | 3,384 |
| Total domestic deposits to total assets | 87.0375% | 2,924 |
| Equity capital to assets | 12.5590% | 749 |
| Core capital (leverage) ratio | 12.8861% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9410% | 292 |
| Memoranda: | ||
| Average total assets | $260,092,333 | 2,708 |
| Average earning assets | $254,618,000 | 2,640 |
| Average equity | $33,751,333 | 2,242 |
| Average total loans | $137,018,333 | 2,772 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 1,664 |
| Cost of funding earning assets | 0.1283% | 3,796 |
| Net interest margin | 3.4139% | 1,272 |
| Noninterest income to average assets | 0.3565% | 2,957 |
| Noninterest expense to average assets | 2.2724% | 2,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4261% | 745 |
| Return on assets (ROA) | 1.4168% | 760 |
| Pretax return on assets | 1.4168% | 1,208 |
| Return on Equity (ROE) | 10.7408% | 1,711 |
| Retained earnings to average equity (ytd only) | -39.4024% | 4,766 |
| Net charge-offs to loans | -0.2645% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4417% | 3,331 |
| Assets per employee ($millions) | 5.4404% | 3,358 |
| Cash dividends to net income (ytd only)* | 466.8490% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5481% | 52 |
| Loan loss allowance to noncurrent loans | 242.3032% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.0512% | 465 |
| Noncurrent loans to loans | 1.8770% | 399 |
| Net loans and leases to total assets | 49.7153% | 3,204 |
| Net loans and leases to deposits | 56.9667% | 3,176 |
| Net loans and leases to core deposits | 57.7747% | 3,316 |
| Total domestic deposits to total assets | 87.2708% | 2,826 |
| Equity capital to assets | 12.3302% | 852 |
| Core capital (leverage) ratio | 12.5563% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6664% | 310 |
| Memoranda: | ||
| Average total assets | $258,053,500 | 2,735 |
| Average earning assets | $252,612,500 | 2,666 |
| Average equity | $34,038,500 | 2,283 |
| Average total loans | $136,083,000 | 2,782 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 2,259 |
| Cost of funding earning assets | 0.2044% | 3,420 |
| Net interest margin | 3.4424% | 1,899 |
| Noninterest income to average assets | 0.7624% | 1,557 |
| Noninterest expense to average assets | 2.4188% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7085% | 621 |
| Return on assets (ROA) | 1.7085% | 646 |
| Pretax return on assets | 1.7085% | 1,125 |
| Return on Equity (ROE) | 12.2669% | 1,725 |
| Retained earnings to average equity (ytd only) | -0.7417% | 4,571 |
| Net charge-offs to loans | -0.0902% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6050% | 3,346 |
| Assets per employee ($millions) | 5.3118% | 3,460 |
| Cash dividends to net income (ytd only)* | 106.0464% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4773% | 53 |
| Loan loss allowance to noncurrent loans | 249.7337% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 517 |
| Noncurrent loans to loans | 1.7928% | 472 |
| Net loans and leases to total assets | 51.0095% | 3,173 |
| Net loans and leases to deposits | 59.5515% | 3,119 |
| Net loans and leases to core deposits | 60.0148% | 3,310 |
| Total domestic deposits to total assets | 85.6562% | 3,032 |
| Equity capital to assets | 14.0716% | 648 |
| Core capital (leverage) ratio | 14.3844% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1255% | 259 |
| Memoranda: | ||
| Average total assets | $249,748,600 | 2,734 |
| Average earning assets | $244,132,600 | 2,654 |
| Average equity | $34,784,800 | 2,301 |
| Average total loans | $134,134,400 | 2,797 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6316% | 2,468 |
| Cost of funding earning assets | 0.2230% | 3,397 |
| Net interest margin | 3.4086% | 2,130 |
| Noninterest income to average assets | 0.8769% | 1,301 |
| Noninterest expense to average assets | 2.4128% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7941% | 674 |
| Return on assets (ROA) | 1.7941% | 706 |
| Pretax return on assets | 1.7941% | 1,176 |
| Return on Equity (ROE) | 12.9152% | 1,719 |
| Retained earnings to average equity (ytd only) | -4.5665% | 4,776 |
| Net charge-offs to loans | -0.1048% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3543% | 3,374 |
| Assets per employee ($millions) | 4.9114% | 3,783 |
| Cash dividends to net income (ytd only)* | 135.3575% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3729% | 55 |
| Loan loss allowance to noncurrent loans | 231.0908% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 519 |
| Noncurrent loans to loans | 1.8923% | 482 |
| Net loans and leases to total assets | 54.1426% | 2,955 |
| Net loans and leases to deposits | 63.4667% | 2,909 |
| Net loans and leases to core deposits | 63.9816% | 3,142 |
| Total domestic deposits to total assets | 85.3088% | 3,015 |
| Equity capital to assets | 14.2812% | 676 |
| Core capital (leverage) ratio | 14.0655% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9738% | 304 |
| Memoranda: | ||
| Average total assets | $248,443,750 | 2,757 |
| Average earning assets | $242,715,250 | 2,681 |
| Average equity | $34,511,500 | 2,340 |
| Average total loans | $133,629,500 | 2,838 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 2,861 |
| Cost of funding earning assets | 0.2404% | 3,371 |
| Net interest margin | 3.2722% | 2,546 |
| Noninterest income to average assets | 1.1291% | 886 |
| Noninterest expense to average assets | 2.3897% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9374% | 549 |
| Return on assets (ROA) | 1.9374% | 568 |
| Pretax return on assets | 1.9374% | 937 |
| Return on Equity (ROE) | 14.0771% | 1,389 |
| Retained earnings to average equity (ytd only) | -12.2883% | 4,884 |
| Net charge-offs to loans | -0.1593% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2261% | 3,640 |
| Assets per employee ($millions) | 5.1443% | 3,518 |
| Cash dividends to net income (ytd only)* | 187.2930% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5184% | 47 |
| Loan loss allowance to noncurrent loans | 107.4205% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 2.3434% | 159 |
| Noncurrent loans to loans | 4.2063% | 121 |
| Net loans and leases to total assets | 50.9698% | 3,452 |
| Net loans and leases to deposits | 59.1902% | 3,454 |
| Net loans and leases to core deposits | 59.7626% | 3,633 |
| Total domestic deposits to total assets | 86.1118% | 2,703 |
| Equity capital to assets | 13.5394% | 816 |
| Core capital (leverage) ratio | 13.4795% | 717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1748% | 294 |
| Memoranda: | ||
| Average total assets | $249,402,333 | 2,742 |
| Average earning assets | $243,751,667 | 2,669 |
| Average equity | $34,325,333 | 2,345 |
| Average total loans | $131,827,000 | 2,880 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4632% | 3,035 |
| Cost of funding earning assets | 0.2658% | 3,322 |
| Net interest margin | 3.1975% | 2,707 |
| Noninterest income to average assets | 0.5144% | 2,548 |
| Noninterest expense to average assets | 2.3284% | 2,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3093% | 1,796 |
| Return on assets (ROA) | 1.3093% | 1,881 |
| Pretax return on assets | 1.3093% | 2,543 |
| Return on Equity (ROE) | 9.4354% | 2,873 |
| Retained earnings to average equity (ytd only) | -43.1449% | 4,960 |
| Net charge-offs to loans | -0.1656% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0071% | 2,462 |
| Assets per employee ($millions) | 4.8364% | 3,821 |
| Cash dividends to net income (ytd only)* | 557.2660% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6039% | 52 |
| Loan loss allowance to noncurrent loans | 99.9171% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 2.6184% | 141 |
| Noncurrent loans to loans | 4.6077% | 98 |
| Net loans and leases to total assets | 49.6735% | 3,658 |
| Net loans and leases to deposits | 57.2780% | 3,695 |
| Net loans and leases to core deposits | 57.6941% | 3,857 |
| Total domestic deposits to total assets | 86.7236% | 2,432 |
| Equity capital to assets | 12.9487% | 925 |
| Core capital (leverage) ratio | 13.2048% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3138% | 313 |
| Memoranda: | ||
| Average total assets | $248,068,000 | 2,737 |
| Average earning assets | $242,317,500 | 2,663 |
| Average equity | $34,423,500 | 2,335 |
| Average total loans | $130,460,500 | 2,895 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 1,968 |
| Cost of funding earning assets | 0.3805% | 3,703 |
| Net interest margin | 3.8854% | 1,255 |
| Noninterest income to average assets | 0.8385% | 1,424 |
| Noninterest expense to average assets | 2.6099% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.0182% | 255 |
| Return on assets (ROA) | 2.0182% | 270 |
| Pretax return on assets | 2.0182% | 442 |
| Return on Equity (ROE) | 13.0499% | 1,032 |
| Retained earnings to average equity (ytd only) | -1.4342% | 4,669 |
| Net charge-offs to loans | -0.1915% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3918% | 3,934 |
| Assets per employee ($millions) | 4.7047% | 3,713 |
| Cash dividends to net income (ytd only)* | 110.9902% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5973% | 51 |
| Loan loss allowance to noncurrent loans | 173.6414% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 405 |
| Noncurrent loans to loans | 2.6476% | 370 |
| Net loans and leases to total assets | 50.6826% | 3,771 |
| Net loans and leases to deposits | 59.7604% | 3,782 |
| Net loans and leases to core deposits | 60.5306% | 3,912 |
| Total domestic deposits to total assets | 84.8098% | 2,834 |
| Equity capital to assets | 14.8305% | 603 |
| Core capital (leverage) ratio | 15.2784% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2818% | 226 |
| Memoranda: | ||
| Average total assets | $227,675,200 | 2,738 |
| Average earning assets | $222,062,600 | 2,656 |
| Average equity | $35,211,000 | 2,225 |
| Average total loans | $127,416,800 | 2,895 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 1,889 |
| Cost of funding earning assets | 0.3954% | 3,833 |
| Net interest margin | 3.9901% | 1,136 |
| Noninterest income to average assets | 0.8509% | 1,348 |
| Noninterest expense to average assets | 2.5982% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1429% | 224 |
| Return on assets (ROA) | 2.1429% | 242 |
| Pretax return on assets | 2.1429% | 386 |
| Return on Equity (ROE) | 13.7019% | 938 |
| Retained earnings to average equity (ytd only) | -5.7578% | 4,860 |
| Net charge-offs to loans | -0.2545% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8018% | 4,063 |
| Assets per employee ($millions) | 4.3832% | 3,970 |
| Cash dividends to net income (ytd only)* | 142.0217% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5757% | 46 |
| Loan loss allowance to noncurrent loans | 162.8852% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 408 |
| Noncurrent loans to loans | 2.8091% | 351 |
| Net loans and leases to total assets | 53.6202% | 3,835 |
| Net loans and leases to deposits | 63.6338% | 3,820 |
| Net loans and leases to core deposits | 64.5037% | 3,985 |
| Total domestic deposits to total assets | 84.2637% | 2,726 |
| Equity capital to assets | 15.1857% | 592 |
| Core capital (leverage) ratio | 15.2898% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3589% | 268 |
| Memoranda: | ||
| Average total assets | $223,433,000 | 2,747 |
| Average earning assets | $217,831,750 | 2,672 |
| Average equity | $34,943,250 | 2,226 |
| Average total loans | $126,779,250 | 2,907 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,923 |
| Cost of funding earning assets | 0.4061% | 4,013 |
| Net interest margin | 4.0918% | 1,132 |
| Noninterest income to average assets | 1.0740% | 866 |
| Noninterest expense to average assets | 2.5608% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.5073% | 139 |
| Return on assets (ROA) | 2.5073% | 150 |
| Pretax return on assets | 2.5073% | 213 |
| Return on Equity (ROE) | 15.8706% | 588 |
| Retained earnings to average equity (ytd only) | -13.4131% | 4,965 |
| Net charge-offs to loans | -0.2422% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5280% | 4,471 |
| Assets per employee ($millions) | 4.3159% | 3,983 |
| Cash dividends to net income (ytd only)* | 184.5152% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5711% | 48 |
| Loan loss allowance to noncurrent loans | 152.3699% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.9507% | 377 |
| Noncurrent loans to loans | 3.0000% | 321 |
| Net loans and leases to total assets | 53.6917% | 3,899 |
| Net loans and leases to deposits | 63.5858% | 3,911 |
| Net loans and leases to core deposits | 64.5517% | 4,046 |
| Total domestic deposits to total assets | 84.4397% | 2,581 |
| Equity capital to assets | 15.0558% | 611 |
| Core capital (leverage) ratio | 15.2322% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1909% | 259 |
| Memoranda: | ||
| Average total assets | $220,474,000 | 2,751 |
| Average earning assets | $215,210,333 | 2,667 |
| Average equity | $34,831,667 | 2,214 |
| Average total loans | $125,526,333 | 2,911 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,336 |
| Cost of funding earning assets | 0.4217% | 4,270 |
| Net interest margin | 4.4155% | 603 |
| Noninterest income to average assets | 1.0964% | 714 |
| Noninterest expense to average assets | 2.6292% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.7845% | 81 |
| Return on assets (ROA) | 2.7845% | 83 |
| Pretax return on assets | 2.7845% | 113 |
| Return on Equity (ROE) | 17.1977% | 314 |
| Retained earnings to average equity (ytd only) | -41.0415% | 5,070 |
| Net charge-offs to loans | -0.0258% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5656% | 4,730 |
| Assets per employee ($millions) | 4.0607% | 3,838 |
| Cash dividends to net income (ytd only)* | 338.6454% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6801% | 50 |
| Loan loss allowance to noncurrent loans | 141.7037% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 346 |
| Noncurrent loans to loans | 3.3027% | 300 |
| Net loans and leases to total assets | 54.3112% | 3,962 |
| Net loans and leases to deposits | 64.5920% | 3,945 |
| Net loans and leases to core deposits | 65.6396% | 4,104 |
| Total domestic deposits to total assets | 84.0835% | 2,766 |
| Equity capital to assets | 15.4365% | 691 |
| Core capital (leverage) ratio | 15.3573% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,339,500 | 2,736 |
| Average earning assets | $211,527,000 | 2,651 |
| Average equity | $35,028,000 | 2,198 |
| Average total loans | $123,940,000 | 2,914 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1322% | 1,146 |
| Cost of funding earning assets | 0.4053% | 4,428 |
| Net interest margin | 4.7269% | 440 |
| Noninterest income to average assets | 0.5222% | 2,612 |
| Noninterest expense to average assets | 2.7189% | 2,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.4234% | 148 |
| Return on assets (ROA) | 2.4234% | 158 |
| Pretax return on assets | 2.4234% | 240 |
| Return on Equity (ROE) | 14.7132% | 742 |
| Retained earnings to average equity (ytd only) | -0.0711% | 4,710 |
| Net charge-offs to loans | 0.0168% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 235.2273% | 352 |
| Efficiency ratio | 52.8731% | 4,533 |
| Assets per employee ($millions) | 4.2640% | 3,562 |
| Cash dividends to net income (ytd only)* | 100.4831% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5755% | 44 |
| Loan loss allowance to noncurrent loans | 151.4135% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 2.0932% | 364 |
| Noncurrent loans to loans | 3.0219% | 308 |
| Net loans and leases to total assets | 54.9627% | 4,004 |
| Net loans and leases to deposits | 66.5107% | 3,922 |
| Net loans and leases to core deposits | 67.9482% | 4,085 |
| Total domestic deposits to total assets | 82.6374% | 3,322 |
| Equity capital to assets | 16.9381% | 476 |
| Core capital (leverage) ratio | 17.3284% | 384 |
| Tier 1 risk-based capital ratio | 31.0326% | 442 |
| Total risk-based capital ratio | 32.3268% | 436 |
| Memoranda: | ||
| Average total assets | $213,538,800 | 2,722 |
| Average earning assets | $208,722,000 | 2,616 |
| Average equity | $35,172,400 | 2,126 |
| Average total loans | $130,659,200 | 2,815 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 1,099 |
| Cost of funding earning assets | 0.3993% | 4,507 |
| Net interest margin | 4.7736% | 434 |
| Noninterest income to average assets | 0.5150% | 2,635 |
| Noninterest expense to average assets | 2.7098% | 2,841 |
| Loan and lease loss provision to assets | 0.0847% | 2,214 |
| Net operating income to assets | 2.3849% | 196 |
| Return on assets (ROA) | 2.3849% | 204 |
| Pretax return on assets | 2.3849% | 315 |
| Return on Equity (ROE) | 14.5847% | 872 |
| Retained earnings to average equity (ytd only) | -5.3628% | 5,069 |
| Net charge-offs to loans | -0.1091% | 5,006 |
| Credit loss provision to net charge-offs | -125.0000% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3192% | 4,572 |
| Assets per employee ($millions) | 3.7131% | 4,266 |
| Cash dividends to net income (ytd only)* | 136.7700% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5896% | 46 |
| Loan loss allowance to noncurrent loans | 157.0456% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 351 |
| Noncurrent loans to loans | 2.9224% | 347 |
| Net loans and leases to total assets | 59.9454% | 3,678 |
| Net loans and leases to deposits | 72.7944% | 3,570 |
| Net loans and leases to core deposits | 74.3054% | 3,814 |
| Total domestic deposits to total assets | 82.3489% | 3,372 |
| Equity capital to assets | 17.0524% | 478 |
| Core capital (leverage) ratio | 17.0160% | 443 |
| Tier 1 risk-based capital ratio | 28.6307% | 530 |
| Total risk-based capital ratio | 29.9252% | 520 |
| Memoranda: | ||
| Average total assets | $212,558,000 | 2,745 |
| Average earning assets | $207,693,250 | 2,650 |
| Average equity | $34,757,000 | 2,162 |
| Average total loans | $132,010,500 | 2,831 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 1,253 |
| Cost of funding earning assets | 0.3843% | 4,565 |
| Net interest margin | 4.7006% | 491 |
| Noninterest income to average assets | 0.4045% | 3,250 |
| Noninterest expense to average assets | 2.6679% | 3,009 |
| Loan and lease loss provision to assets | 0.0841% | 2,166 |
| Net operating income to assets | 2.2457% | 238 |
| Return on assets (ROA) | 2.2457% | 248 |
| Pretax return on assets | 2.2457% | 403 |
| Return on Equity (ROE) | 13.9268% | 998 |
| Retained earnings to average equity (ytd only) | -16.1977% | 5,232 |
| Net charge-offs to loans | -0.1570% | 5,092 |
| Credit loss provision to net charge-offs | -86.5385% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3832% | 4,526 |
| Assets per employee ($millions) | 3.6112% | 4,369 |
| Cash dividends to net income (ytd only)* | 216.3062% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5649% | 43 |
| Loan loss allowance to noncurrent loans | 139.6993% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 2.4664% | 304 |
| Noncurrent loans to loans | 3.2676% | 283 |
| Net loans and leases to total assets | 59.3601% | 3,797 |
| Net loans and leases to deposits | 71.2760% | 3,744 |
| Net loans and leases to core deposits | 72.0196% | 4,002 |
| Total domestic deposits to total assets | 83.2821% | 3,121 |
| Equity capital to assets | 16.2691% | 572 |
| Core capital (leverage) ratio | 16.2217% | 524 |
| Tier 1 risk-based capital ratio | 27.3585% | 601 |
| Total risk-based capital ratio | 28.6520% | 583 |
| Memoranda: | ||
| Average total assets | $214,098,670 | 2,743 |
| Average earning assets | $209,205,330 | 2,643 |
| Average equity | $34,523,330 | 2,170 |
| Average total loans | $132,466,000 | 2,839 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,214 |
| Cost of funding earning assets | 0.3669% | 4,617 |
| Net interest margin | 4.6828% | 514 |
| Noninterest income to average assets | 0.2883% | 3,946 |
| Noninterest expense to average assets | 2.6097% | 3,189 |
| Loan and lease loss provision to assets | 0.0832% | 2,042 |
| Net operating income to assets | 2.1717% | 287 |
| Return on assets (ROA) | 2.1717% | 298 |
| Pretax return on assets | 2.1717% | 478 |
| Return on Equity (ROE) | 13.5263% | 1,075 |
| Retained earnings to average equity (ytd only) | -46.3349% | 5,330 |
| Net charge-offs to loans | -0.3235% | 5,226 |
| Credit loss provision to net charge-offs | -41.6667% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6474% | 4,566 |
| Assets per employee ($millions) | 3.8253% | 4,156 |
| Cash dividends to net income (ytd only)* | 442.5532% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5412% | 44 |
| Loan loss allowance to noncurrent loans | 141.7327% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 2.4120% | 331 |
| Noncurrent loans to loans | 3.2041% | 315 |
| Net loans and leases to total assets | 57.9533% | 3,898 |
| Net loans and leases to deposits | 68.7186% | 3,863 |
| Net loans and leases to core deposits | 69.5653% | 4,096 |
| Total domestic deposits to total assets | 84.3343% | 2,934 |
| Equity capital to assets | 15.3002% | 685 |
| Core capital (leverage) ratio | 15.2547% | 646 |
| Tier 1 risk-based capital ratio | 26.6252% | 647 |
| Total risk-based capital ratio | 27.9190% | 633 |
| Memoranda: | ||
| Average total assets | $216,422,000 | 2,751 |
| Average earning assets | $211,499,000 | 2,654 |
| Average equity | $34,747,000 | 2,148 |
| Average total loans | $133,560,000 | 2,866 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 943 |
| Cost of funding earning assets | 0.3064% | 4,543 |
| Net interest margin | 4.7423% | 450 |
| Noninterest income to average assets | 0.4436% | 3,146 |
| Noninterest expense to average assets | 2.6114% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.4376% | 164 |
| Return on assets (ROA) | 2.4335% | 162 |
| Pretax return on assets | 2.4335% | 238 |
| Return on Equity (ROE) | 15.2169% | 774 |
| Retained earnings to average equity (ytd only) | 6.5220% | 1,913 |
| Net charge-offs to loans | 0.0592% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 64.3293% | 979 |
| Efficiency ratio | 51.7207% | 4,817 |
| Assets per employee ($millions) | 3.7694% | 4,228 |
| Cash dividends to net income (ytd only)* | 57.1401% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1972% | 49 |
| Loan loss allowance to noncurrent loans | 220.0842% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5245% | 766 |
| Noncurrent loans to loans | 1.9071% | 721 |
| Net loans and leases to total assets | 60.0636% | 3,767 |
| Net loans and leases to deposits | 72.4439% | 3,632 |
| Net loans and leases to core deposits | 73.4912% | 3,889 |
| Total domestic deposits to total assets | 82.9105% | 3,358 |
| Equity capital to assets | 16.7950% | 433 |
| Core capital (leverage) ratio | 17.3243% | 377 |
| Tier 1 risk-based capital ratio | 28.6833% | 527 |
| Total risk-based capital ratio | 29.9730% | 519 |
| Memoranda: | ||
| Average total assets | $216,399,000 | 2,715 |
| Average earning assets | $210,149,400 | 2,636 |
| Average equity | $34,606,200 | 2,090 |
| Average total loans | $138,600,000 | 2,783 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 864 |
| Cost of funding earning assets | 0.2937% | 4,562 |
| Net interest margin | 4.7457% | 426 |
| Noninterest income to average assets | 0.4306% | 3,279 |
| Noninterest expense to average assets | 2.5611% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.4703% | 168 |
| Return on assets (ROA) | 2.4703% | 168 |
| Pretax return on assets | 2.4703% | 245 |
| Return on Equity (ROE) | 15.6460% | 760 |
| Retained earnings to average equity (ytd only) | 3.8734% | 3,842 |
| Net charge-offs to loans | -0.0441% | 4,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9024% | 4,890 |
| Assets per employee ($millions) | 3.9128% | 4,028 |
| Cash dividends to net income (ytd only)* | 75.2438% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1098% | 55 |
| Loan loss allowance to noncurrent loans | 206.1339% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 1.7147% | 708 |
| Noncurrent loans to loans | 1.9938% | 736 |
| Net loans and leases to total assets | 64.9419% | 3,310 |
| Net loans and leases to deposits | 78.4086% | 3,199 |
| Net loans and leases to core deposits | 79.5505% | 3,532 |
| Total domestic deposits to total assets | 82.8249% | 3,367 |
| Equity capital to assets | 16.7548% | 438 |
| Core capital (leverage) ratio | 16.8875% | 431 |
| Tier 1 risk-based capital ratio | 26.4673% | 651 |
| Total risk-based capital ratio | 27.7556% | 639 |
| Memoranda: | ||
| Average total assets | $215,842,500 | 2,739 |
| Average earning assets | $209,252,000 | 2,659 |
| Average equity | $34,078,250 | 2,112 |
| Average total loans | $138,983,250 | 2,801 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 939 |
| Cost of funding earning assets | 0.2901% | 4,495 |
| Net interest margin | 4.6513% | 497 |
| Noninterest income to average assets | 0.2963% | 4,199 |
| Noninterest expense to average assets | 2.5193% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.2764% | 219 |
| Return on assets (ROA) | 2.2764% | 214 |
| Pretax return on assets | 2.2764% | 345 |
| Return on Equity (ROE) | 14.7098% | 915 |
| Retained earnings to average equity (ytd only) | -3.1810% | 5,221 |
| Net charge-offs to loans | -0.0378% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5326% | 4,831 |
| Assets per employee ($millions) | 3.8982% | 4,060 |
| Cash dividends to net income (ytd only)* | 121.6249% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2252% | 52 |
| Loan loss allowance to noncurrent loans | 193.3685% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 687 |
| Noncurrent loans to loans | 2.1851% | 642 |
| Net loans and leases to total assets | 61.9647% | 3,605 |
| Net loans and leases to deposits | 73.9165% | 3,541 |
| Net loans and leases to core deposits | 74.8341% | 3,821 |
| Total domestic deposits to total assets | 83.8308% | 3,124 |
| Equity capital to assets | 15.8036% | 536 |
| Core capital (leverage) ratio | 15.8314% | 529 |
| Tier 1 risk-based capital ratio | 26.1057% | 665 |
| Total risk-based capital ratio | 27.3958% | 648 |
| Memoranda: | ||
| Average total assets | $217,360,330 | 2,748 |
| Average earning assets | $210,262,330 | 2,666 |
| Average equity | $33,637,330 | 2,138 |
| Average total loans | $137,612,330 | 2,824 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 900 |
| Cost of funding earning assets | 0.2886% | 4,428 |
| Net interest margin | 4.5963% | 504 |
| Noninterest income to average assets | 0.2285% | 4,640 |
| Noninterest expense to average assets | 2.4913% | 3,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.1623% | 263 |
| Return on assets (ROA) | 2.1623% | 263 |
| Pretax return on assets | 2.1623% | 404 |
| Return on Equity (ROE) | 14.1193% | 986 |
| Retained earnings to average equity (ytd only) | -21.7936% | 5,517 |
| Net charge-offs to loans | 0.1897% | 776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 18.2000% | 1,542 |
| Efficiency ratio | 53.5350% | 4,839 |
| Assets per employee ($millions) | 4.0684% | 3,858 |
| Cash dividends to net income (ytd only)* | 254.3533% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3056% | 50 |
| Loan loss allowance to noncurrent loans | 202.9546% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 800 |
| Noncurrent loans to loans | 2.1215% | 729 |
| Net loans and leases to total assets | 58.3726% | 3,905 |
| Net loans and leases to deposits | 68.7854% | 3,895 |
| Net loans and leases to core deposits | 69.4830% | 4,110 |
| Total domestic deposits to total assets | 84.8620% | 2,989 |
| Equity capital to assets | 14.8344% | 713 |
| Core capital (leverage) ratio | 14.9344% | 667 |
| Tier 1 risk-based capital ratio | 26.5038% | 649 |
| Total risk-based capital ratio | 27.7956% | 635 |
| Memoranda: | ||
| Average total assets | $218,840,000 | 2,767 |
| Average earning assets | $210,689,000 | 2,685 |
| Average equity | $33,514,500 | 2,159 |
| Average total loans | $137,061,500 | 2,850 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 1,269 |
| Cost of funding earning assets | 0.3030% | 4,115 |
| Net interest margin | 4.3633% | 835 |
| Noninterest income to average assets | 0.5805% | 2,547 |
| Noninterest expense to average assets | 2.7607% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9769% | 296 |
| Return on assets (ROA) | 1.9732% | 302 |
| Pretax return on assets | 1.9732% | 520 |
| Return on Equity (ROE) | 13.1215% | 925 |
| Retained earnings to average equity (ytd only) | 5.4927% | 1,816 |
| Net charge-offs to loans | 0.1178% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 26.5926% | 1,668 |
| Efficiency ratio | 58.2720% | 4,495 |
| Assets per employee ($millions) | 4.0367% | 3,904 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1645% | 54 |
| Loan loss allowance to noncurrent loans | 178.8232% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 1.9066% | 619 |
| Noncurrent loans to loans | 2.3288% | 602 |
| Net loans and leases to total assets | 61.5999% | 3,666 |
| Net loans and leases to deposits | 73.3928% | 3,566 |
| Net loans and leases to core deposits | 74.2717% | 3,859 |
| Total domestic deposits to total assets | 83.9318% | 3,236 |
| Equity capital to assets | 15.7970% | 536 |
| Core capital (leverage) ratio | 16.0734% | 466 |
| Tier 1 risk-based capital ratio | 26.5604% | 623 |
| Total risk-based capital ratio | 27.8497% | 607 |
| Memoranda: | ||
| Average total assets | $217,917,200 | 2,744 |
| Average earning assets | $207,619,600 | 2,691 |
| Average equity | $32,770,600 | 2,184 |
| Average total loans | $137,483,200 | 2,817 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,346 |
| Cost of funding earning assets | 0.3038% | 4,092 |
| Net interest margin | 4.3044% | 914 |
| Noninterest income to average assets | 0.5599% | 2,668 |
| Noninterest expense to average assets | 2.6739% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9947% | 318 |
| Return on assets (ROA) | 1.9947% | 324 |
| Pretax return on assets | 1.9947% | 559 |
| Return on Equity (ROE) | 13.4342% | 952 |
| Retained earnings to average equity (ytd only) | 3.1319% | 4,046 |
| Net charge-offs to loans | -0.0555% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2739% | 4,589 |
| Assets per employee ($millions) | 3.9560% | 4,064 |
| Cash dividends to net income (ytd only)* | 76.6871% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2462% | 57 |
| Loan loss allowance to noncurrent loans | 165.1214% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.9160% | 700 |
| Noncurrent loans to loans | 2.5715% | 574 |
| Net loans and leases to total assets | 63.9185% | 3,413 |
| Net loans and leases to deposits | 76.1939% | 3,352 |
| Net loans and leases to core deposits | 76.9952% | 3,727 |
| Total domestic deposits to total assets | 83.8893% | 3,158 |
| Equity capital to assets | 15.6552% | 609 |
| Core capital (leverage) ratio | 15.7096% | 535 |
| Tier 1 risk-based capital ratio | 24.9842% | 754 |
| Total risk-based capital ratio | 26.2742% | 730 |
| Memoranda: | ||
| Average total assets | $217,900,500 | 2,768 |
| Average earning assets | $207,998,750 | 2,705 |
| Average equity | $32,354,500 | 2,219 |
| Average total loans | $136,825,750 | 2,844 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 1,638 |
| Cost of funding earning assets | 0.3029% | 4,051 |
| Net interest margin | 4.1544% | 1,191 |
| Noninterest income to average assets | 0.5170% | 2,916 |
| Noninterest expense to average assets | 2.6417% | 3,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8529% | 407 |
| Return on assets (ROA) | 1.8529% | 419 |
| Pretax return on assets | 1.8529% | 737 |
| Return on Equity (ROE) | 12.7033% | 1,111 |
| Retained earnings to average equity (ytd only) | -2.9258% | 5,427 |
| Net charge-offs to loans | 0.1142% | 1,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 26.3896% | 1,578 |
| Efficiency ratio | 58.7746% | 4,495 |
| Assets per employee ($millions) | 3.9407% | 4,061 |
| Cash dividends to net income (ytd only)* | 123.0315% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1771% | 57 |
| Loan loss allowance to noncurrent loans | 154.3535% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 2.0107% | 631 |
| Noncurrent loans to loans | 2.7062% | 520 |
| Net loans and leases to total assets | 62.6683% | 3,555 |
| Net loans and leases to deposits | 73.9462% | 3,552 |
| Net loans and leases to core deposits | 74.9747% | 3,859 |
| Total domestic deposits to total assets | 84.7486% | 2,910 |
| Equity capital to assets | 14.8666% | 723 |
| Core capital (leverage) ratio | 14.7747% | 685 |
| Tier 1 risk-based capital ratio | 24.2105% | 831 |
| Total risk-based capital ratio | 25.4999% | 803 |
| Memoranda: | ||
| Average total assets | $219,326,670 | 2,777 |
| Average earning assets | $209,996,330 | 2,698 |
| Average equity | $31,991,670 | 2,231 |
| Average total loans | $134,901,330 | 2,872 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2479% | 2,102 |
| Cost of funding earning assets | 0.2989% | 4,058 |
| Net interest margin | 3.9490% | 1,610 |
| Noninterest income to average assets | 0.4986% | 2,988 |
| Noninterest expense to average assets | 2.6834% | 3,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6245% | 645 |
| Return on assets (ROA) | 1.6245% | 662 |
| Pretax return on assets | 1.6245% | 1,173 |
| Return on Equity (ROE) | 11.2434% | 1,485 |
| Retained earnings to average equity (ytd only) | -20.1277% | 5,727 |
| Net charge-offs to loans | 0.2190% | 812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.4444% | 1,840 |
| Efficiency ratio | 62.2896% | 4,110 |
| Assets per employee ($millions) | 4.1057% | 3,830 |
| Cash dividends to net income (ytd only)* | 279.0179% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5224% | 60 |
| Loan loss allowance to noncurrent loans | 147.6701% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 623 |
| Noncurrent loans to loans | 3.0625% | 445 |
| Net loans and leases to total assets | 56.4301% | 4,125 |
| Net loans and leases to deposits | 65.8949% | 4,180 |
| Net loans and leases to core deposits | 66.9944% | 4,358 |
| Total domestic deposits to total assets | 85.6365% | 2,819 |
| Equity capital to assets | 14.0220% | 894 |
| Core capital (leverage) ratio | 14.1985% | 788 |
| Tier 1 risk-based capital ratio | 25.4497% | 736 |
| Total risk-based capital ratio | 26.7442% | 713 |
| Memoranda: | ||
| Average total assets | $220,619,500 | 2,787 |
| Average earning assets | $212,813,500 | 2,702 |
| Average equity | $31,876,500 | 2,245 |
| Average total loans | $131,477,500 | 2,937 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 1,764 |
| Cost of funding earning assets | 0.3214% | 3,828 |
| Net interest margin | 4.1023% | 1,375 |
| Noninterest income to average assets | 0.5637% | 2,845 |
| Noninterest expense to average assets | 2.6280% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7708% | 467 |
| Return on assets (ROA) | 1.7708% | 489 |
| Pretax return on assets | 1.7708% | 855 |
| Return on Equity (ROE) | 12.1940% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.0890% | 1,662 |
| Net charge-offs to loans | -0.0223% | 5,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7433% | 4,625 |
| Assets per employee ($millions) | 3.9915% | 3,983 |
| Cash dividends to net income (ytd only)* | 50.0659% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5460% | 55 |
| Loan loss allowance to noncurrent loans | 157.3190% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 2.0061% | 682 |
| Noncurrent loans to loans | 2.8897% | 483 |
| Net loans and leases to total assets | 57.3596% | 4,132 |
| Net loans and leases to deposits | 67.6284% | 4,115 |
| Net loans and leases to core deposits | 68.2674% | 4,378 |
| Total domestic deposits to total assets | 84.8158% | 3,124 |
| Equity capital to assets | 14.8794% | 661 |
| Core capital (leverage) ratio | 15.3750% | 548 |
| Tier 1 risk-based capital ratio | 26.7551% | 638 |
| Total risk-based capital ratio | 28.0501% | 619 |
| Memoranda: | ||
| Average total assets | $214,311,200 | 2,810 |
| Average earning assets | $200,349,400 | 2,784 |
| Average equity | $31,121,800 | 2,282 |
| Average total loans | $125,344,200 | 2,989 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 1,563 |
| Cost of funding earning assets | 0.3286% | 3,792 |
| Net interest margin | 4.1650% | 1,213 |
| Noninterest income to average assets | 0.4563% | 3,512 |
| Noninterest expense to average assets | 2.6352% | 3,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6688% | 635 |
| Return on assets (ROA) | 1.6688% | 675 |
| Pretax return on assets | 1.6688% | 1,201 |
| Return on Equity (ROE) | 11.5649% | 1,472 |
| Retained earnings to average equity (ytd only) | 3.3228% | 3,908 |
| Net charge-offs to loans | -0.0711% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2275% | 4,351 |
| Assets per employee ($millions) | 3.8816% | 4,160 |
| Cash dividends to net income (ytd only)* | 71.2678% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6471% | 52 |
| Loan loss allowance to noncurrent loans | 162.6246% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 2.0572% | 752 |
| Noncurrent loans to loans | 2.8576% | 557 |
| Net loans and leases to total assets | 59.0769% | 3,987 |
| Net loans and leases to deposits | 69.9640% | 3,991 |
| Net loans and leases to core deposits | 70.6591% | 4,275 |
| Total domestic deposits to total assets | 84.4390% | 3,046 |
| Equity capital to assets | 15.0772% | 721 |
| Core capital (leverage) ratio | 15.0278% | 625 |
| Tier 1 risk-based capital ratio | 25.9767% | 720 |
| Total risk-based capital ratio | 27.2724% | 698 |
| Memoranda: | ||
| Average total assets | $213,006,250 | 2,839 |
| Average earning assets | $196,777,000 | 2,836 |
| Average equity | $30,736,000 | 2,315 |
| Average total loans | $123,700,500 | 3,020 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 1,767 |
| Cost of funding earning assets | 0.3270% | 3,825 |
| Net interest margin | 4.0938% | 1,383 |
| Noninterest income to average assets | 0.4838% | 3,309 |
| Noninterest expense to average assets | 2.6226% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6494% | 645 |
| Return on assets (ROA) | 1.6494% | 688 |
| Pretax return on assets | 1.6494% | 1,221 |
| Return on Equity (ROE) | 11.6005% | 1,447 |
| Retained earnings to average equity (ytd only) | -0.8802% | 5,423 |
| Net charge-offs to loans | -0.0493% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3905% | 4,447 |
| Assets per employee ($millions) | 3.7888% | 4,282 |
| Cash dividends to net income (ytd only)* | 107.5878% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7948% | 49 |
| Loan loss allowance to noncurrent loans | 180.1502% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.7608% | 993 |
| Noncurrent loans to loans | 2.6615% | 624 |
| Net loans and leases to total assets | 56.1420% | 4,294 |
| Net loans and leases to deposits | 65.9453% | 4,353 |
| Net loans and leases to core deposits | 66.5864% | 4,565 |
| Total domestic deposits to total assets | 85.1342% | 2,808 |
| Equity capital to assets | 14.4685% | 882 |
| Core capital (leverage) ratio | 14.2569% | 757 |
| Tier 1 risk-based capital ratio | 26.5649% | 685 |
| Total risk-based capital ratio | 27.8639% | 665 |
| Memoranda: | ||
| Average total assets | $214,139,000 | 2,840 |
| Average earning assets | $198,153,330 | 2,842 |
| Average equity | $30,447,000 | 2,340 |
| Average total loans | $121,645,670 | 3,051 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,865 |
| Cost of funding earning assets | 0.3284% | 3,862 |
| Net interest margin | 4.0511% | 1,476 |
| Noninterest income to average assets | 0.4593% | 3,423 |
| Noninterest expense to average assets | 2.4953% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7032% | 572 |
| Return on assets (ROA) | 1.7032% | 610 |
| Pretax return on assets | 1.7032% | 1,059 |
| Return on Equity (ROE) | 12.0838% | 1,293 |
| Retained earnings to average equity (ytd only) | -12.9809% | 5,875 |
| Net charge-offs to loans | -0.1801% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4331% | 4,818 |
| Assets per employee ($millions) | 4.0938% | 3,782 |
| Cash dividends to net income (ytd only)* | 207.4236% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9980% | 54 |
| Loan loss allowance to noncurrent loans | 164.1592% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.7472% | 1,083 |
| Noncurrent loans to loans | 3.0446% | 524 |
| Net loans and leases to total assets | 52.7649% | 4,553 |
| Net loans and leases to deposits | 61.4220% | 4,622 |
| Net loans and leases to core deposits | 62.4887% | 4,787 |
| Total domestic deposits to total assets | 85.9056% | 2,709 |
| Equity capital to assets | 13.7543% | 1,069 |
| Core capital (leverage) ratio | 13.9534% | 823 |
| Tier 1 risk-based capital ratio | 27.0454% | 669 |
| Total risk-based capital ratio | 28.3475% | 649 |
| Memoranda: | ||
| Average total assets | $215,123,000 | 2,833 |
| Average earning assets | $198,565,000 | 2,837 |
| Average equity | $30,321,500 | 2,351 |
| Average total loans | $119,910,500 | 3,089 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 1,528 |
| Cost of funding earning assets | 0.3519% | 3,682 |
| Net interest margin | 4.1704% | 1,232 |
| Noninterest income to average assets | 0.5863% | 2,791 |
| Noninterest expense to average assets | 2.6677% | 3,703 |
| Loan and lease loss provision to assets | 0.0713% | 2,848 |
| Net operating income to assets | 1.6258% | 667 |
| Return on assets (ROA) | 1.6063% | 720 |
| Pretax return on assets | 1.6063% | 1,228 |
| Return on Equity (ROE) | 11.4483% | 1,456 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,660 |
| Net charge-offs to loans | 0.5513% | 448 |
| Credit loss provision to net charge-offs | 22.4215% | 3,729 |
| Earnings coverage of net charge-offs (x) | 5.3393% | 3,412 |
| Efficiency ratio | 61.1190% | 4,745 |
| Assets per employee ($millions) | 4.0240% | 3,899 |
| Cash dividends to net income (ytd only)* | 59.1541% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0028% | 52 |
| Loan loss allowance to noncurrent loans | 158.0773% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.8479% | 1,015 |
| Noncurrent loans to loans | 3.1648% | 486 |
| Net loans and leases to total assets | 53.1448% | 4,581 |
| Net loans and leases to deposits | 62.3598% | 4,607 |
| Net loans and leases to core deposits | 63.6121% | 4,761 |
| Total domestic deposits to total assets | 85.2228% | 2,992 |
| Equity capital to assets | 14.4415% | 783 |
| Core capital (leverage) ratio | 14.7409% | 667 |
| Tier 1 risk-based capital ratio | 27.8519% | 608 |
| Total risk-based capital ratio | 29.1528% | 597 |
| Memoranda: | ||
| Average total assets | $210,481,400 | 2,840 |
| Average earning assets | $190,700,600 | 2,883 |
| Average equity | $29,532,800 | 2,351 |
| Average total loans | $121,345,200 | 3,030 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 1,463 |
| Cost of funding earning assets | 0.3555% | 3,690 |
| Net interest margin | 4.1918% | 1,182 |
| Noninterest income to average assets | 0.5625% | 2,970 |
| Noninterest expense to average assets | 2.6230% | 3,790 |
| Loan and lease loss provision to assets | 0.0953% | 2,265 |
| Net operating income to assets | 1.6289% | 718 |
| Return on assets (ROA) | 1.6289% | 743 |
| Pretax return on assets | 1.6289% | 1,301 |
| Return on Equity (ROE) | 11.6965% | 1,465 |
| Retained earnings to average equity (ytd only) | 2.5693% | 4,592 |
| Net charge-offs to loans | 0.1707% | 1,457 |
| Credit loss provision to net charge-offs | 96.1538% | 2,365 |
| Earnings coverage of net charge-offs (x) | 17.3914% | 2,059 |
| Efficiency ratio | 60.3363% | 4,841 |
| Assets per employee ($millions) | 3.9084% | 4,066 |
| Cash dividends to net income (ytd only)* | 78.0335% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3831% | 50 |
| Loan loss allowance to noncurrent loans | 152.5176% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 2.1072% | 936 |
| Noncurrent loans to loans | 3.5295% | 440 |
| Net loans and leases to total assets | 55.0014% | 4,462 |
| Net loans and leases to deposits | 64.6713% | 4,501 |
| Net loans and leases to core deposits | 66.0119% | 4,688 |
| Total domestic deposits to total assets | 85.0476% | 2,988 |
| Equity capital to assets | 14.5015% | 856 |
| Core capital (leverage) ratio | 14.4835% | 743 |
| Tier 1 risk-based capital ratio | 27.2155% | 671 |
| Total risk-based capital ratio | 28.5222% | 651 |
| Memoranda: | ||
| Average total assets | $209,783,250 | 2,869 |
| Average earning assets | $189,414,750 | 2,922 |
| Average equity | $29,216,000 | 2,392 |
| Average total loans | $121,853,250 | 3,050 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,362 |
| Cost of funding earning assets | 0.3542% | 3,764 |
| Net interest margin | 4.2113% | 1,088 |
| Noninterest income to average assets | 0.5611% | 2,970 |
| Noninterest expense to average assets | 2.6042% | 3,895 |
| Loan and lease loss provision to assets | 0.1424% | 1,531 |
| Net operating income to assets | 1.6187% | 718 |
| Return on assets (ROA) | 1.6187% | 751 |
| Pretax return on assets | 1.6187% | 1,279 |
| Return on Equity (ROE) | 11.7823% | 1,438 |
| Retained earnings to average equity (ytd only) | -2.0386% | 5,833 |
| Net charge-offs to loans | -0.0965% | 5,773 |
| Credit loss provision to net charge-offs | -254.2373% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6564% | 5,026 |
| Assets per employee ($millions) | 3.6761% | 4,477 |
| Cash dividends to net income (ytd only)* | 117.3021% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4583% | 51 |
| Loan loss allowance to noncurrent loans | 176.0515% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8904% | 1,201 |
| Noncurrent loans to loans | 3.1004% | 625 |
| Net loans and leases to total assets | 55.3582% | 4,401 |
| Net loans and leases to deposits | 64.5994% | 4,478 |
| Net loans and leases to core deposits | 65.9128% | 4,664 |
| Total domestic deposits to total assets | 85.6947% | 2,842 |
| Equity capital to assets | 13.9231% | 1,004 |
| Core capital (leverage) ratio | 13.9228% | 863 |
| Tier 1 risk-based capital ratio | 26.6826% | 732 |
| Total risk-based capital ratio | 27.9932% | 712 |
| Memoranda: | ||
| Average total assets | $210,663,000 | 2,879 |
| Average earning assets | $190,296,670 | 2,932 |
| Average equity | $28,941,670 | 2,420 |
| Average total loans | $122,333,000 | 3,045 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 1,149 |
| Cost of funding earning assets | 0.3564% | 3,791 |
| Net interest margin | 4.2829% | 912 |
| Noninterest income to average assets | 0.3939% | 4,055 |
| Noninterest expense to average assets | 2.6266% | 3,836 |
| Loan and lease loss provision to assets | 0.2841% | 527 |
| Net operating income to assets | 1.3294% | 1,187 |
| Return on assets (ROA) | 1.3294% | 1,267 |
| Pretax return on assets | 1.3294% | 2,159 |
| Return on Equity (ROE) | 9.7414% | 2,116 |
| Retained earnings to average equity (ytd only) | -18.0118% | 6,254 |
| Net charge-offs to loans | -0.3668% | 6,190 |
| Credit loss provision to net charge-offs | -133.9286% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9473% | 4,807 |
| Assets per employee ($millions) | 3.9870% | 3,989 |
| Cash dividends to net income (ytd only)* | 284.9003% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6344% | 49 |
| Loan loss allowance to noncurrent loans | 174.1486% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.9374% | 1,244 |
| Noncurrent loans to loans | 3.2354% | 634 |
| Net loans and leases to total assets | 53.4986% | 4,499 |
| Net loans and leases to deposits | 61.9671% | 4,572 |
| Net loans and leases to core deposits | 63.3569% | 4,755 |
| Total domestic deposits to total assets | 86.3340% | 2,744 |
| Equity capital to assets | 13.3338% | 1,248 |
| Core capital (leverage) ratio | 13.3586% | 1,029 |
| Tier 1 risk-based capital ratio | 26.0084% | 785 |
| Total risk-based capital ratio | 27.3193% | 762 |
| Memoranda: | ||
| Average total assets | $211,226,000 | 2,896 |
| Average earning assets | $189,686,000 | 2,950 |
| Average equity | $28,825,500 | 2,441 |
| Average total loans | $122,153,000 | 3,057 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 667 |
| Cost of funding earning assets | 0.3984% | 3,705 |
| Net interest margin | 4.6767% | 540 |
| Noninterest income to average assets | 0.5339% | 3,280 |
| Noninterest expense to average assets | 2.6241% | 4,129 |
| Loan and lease loss provision to assets | 0.5574% | 261 |
| Net operating income to assets | 1.5266% | 833 |
| Return on assets (ROA) | 1.5266% | 863 |
| Pretax return on assets | 1.5266% | 1,449 |
| Return on Equity (ROE) | 10.9332% | 1,740 |
| Retained earnings to average equity (ytd only) | 4.0505% | 3,328 |
| Net charge-offs to loans | 0.7013% | 530 |
| Credit loss provision to net charge-offs | 124.0642% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.6385% | 3,599 |
| Efficiency ratio | 55.7359% | 5,693 |
| Assets per employee ($millions) | 3.8389% | 4,270 |
| Cash dividends to net income (ytd only)* | 62.9525% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2110% | 66 |
| Loan loss allowance to noncurrent loans | 154.1825% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 2.1228% | 1,161 |
| Noncurrent loans to loans | 3.3797% | 624 |
| Net loans and leases to total assets | 55.8961% | 4,353 |
| Net loans and leases to deposits | 65.1859% | 4,414 |
| Net loans and leases to core deposits | 66.9497% | 4,599 |
| Total domestic deposits to total assets | 85.7488% | 2,965 |
| Equity capital to assets | 13.9599% | 965 |
| Core capital (leverage) ratio | 14.2872% | 752 |
| Tier 1 risk-based capital ratio | 26.4819% | 723 |
| Total risk-based capital ratio | 27.7887% | 702 |
| Memoranda: | ||
| Average total assets | $208,110,800 | 2,899 |
| Average earning assets | $185,749,200 | 2,966 |
| Average equity | $29,058,400 | 2,341 |
| Average total loans | $133,319,200 | 2,800 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 704 |
| Cost of funding earning assets | 0.4049% | 3,735 |
| Net interest margin | 4.6460% | 566 |
| Noninterest income to average assets | 0.4848% | 3,654 |
| Noninterest expense to average assets | 2.5521% | 4,353 |
| Loan and lease loss provision to assets | 0.5594% | 252 |
| Net operating income to assets | 1.5201% | 898 |
| Return on assets (ROA) | 1.5201% | 935 |
| Pretax return on assets | 1.5201% | 1,581 |
| Return on Equity (ROE) | 10.8859% | 1,832 |
| Retained earnings to average equity (ytd only) | 1.6762% | 5,210 |
| Net charge-offs to loans | 0.6562% | 545 |
| Credit loss provision to net charge-offs | 130.4348% | 1,771 |
| Earnings coverage of net charge-offs (x) | 4.8486% | 3,369 |
| Efficiency ratio | 55.1020% | 5,733 |
| Assets per employee ($millions) | 3.9014% | 4,086 |
| Cash dividends to net income (ytd only)* | 84.6024% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9615% | 85 |
| Loan loss allowance to noncurrent loans | 127.6352% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 2.6391% | 970 |
| Noncurrent loans to loans | 3.8873% | 563 |
| Net loans and leases to total assets | 61.0512% | 3,620 |
| Net loans and leases to deposits | 71.4800% | 3,738 |
| Net loans and leases to core deposits | 73.5004% | 3,993 |
| Total domestic deposits to total assets | 85.4102% | 3,152 |
| Equity capital to assets | 14.1295% | 957 |
| Core capital (leverage) ratio | 13.9270% | 864 |
| Tier 1 risk-based capital ratio | 25.7349% | 813 |
| Total risk-based capital ratio | 27.0408% | 786 |
| Memoranda: | ||
| Average total assets | $207,353,500 | 2,932 |
| Average earning assets | $185,073,750 | 2,999 |
| Average equity | $28,954,250 | 2,353 |
| Average total loans | $135,522,250 | 2,784 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 724 |
| Cost of funding earning assets | 0.4003% | 3,864 |
| Net interest margin | 4.6222% | 565 |
| Noninterest income to average assets | 0.3831% | 4,381 |
| Noninterest expense to average assets | 2.4985% | 4,579 |
| Loan and lease loss provision to assets | 0.5554% | 261 |
| Net operating income to assets | 1.4652% | 939 |
| Return on assets (ROA) | 1.4661% | 974 |
| Pretax return on assets | 1.4661% | 1,651 |
| Return on Equity (ROE) | 10.5402% | 1,923 |
| Retained earnings to average equity (ytd only) | 10.5402% | 608 |
| Net charge-offs to loans | 0.8524% | 441 |
| Credit loss provision to net charge-offs | 99.1453% | 2,036 |
| Earnings coverage of net charge-offs (x) | 3.6068% | 3,259 |
| Efficiency ratio | 55.2871% | 5,807 |
| Assets per employee ($millions) | 3.6402% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6542% | 102 |
| Loan loss allowance to noncurrent loans | 117.6979% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 2.7138% | 975 |
| Noncurrent loans to loans | 3.9544% | 604 |
| Net loans and leases to total assets | 61.7852% | 3,441 |
| Net loans and leases to deposits | 72.4908% | 3,506 |
| Net loans and leases to core deposits | 74.6086% | 3,768 |
| Total domestic deposits to total assets | 85.2318% | 3,393 |
| Equity capital to assets | 14.3817% | 853 |
| Core capital (leverage) ratio | 14.2722% | 762 |
| Tier 1 risk-based capital ratio | 25.1033% | 861 |
| Total risk-based capital ratio | 26.4030% | 841 |
| Memoranda: | ||
| Average total assets | $208,846,670 | 2,931 |
| Average earning assets | $186,879,000 | 2,989 |
| Average equity | $29,050,670 | 2,335 |
| Average total loans | $137,255,330 | 2,764 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 850 |
| Cost of funding earning assets | 0.3977% | 3,998 |
| Net interest margin | 4.5176% | 634 |
| Noninterest income to average assets | 0.3169% | 4,836 |
| Noninterest expense to average assets | 2.5295% | 4,524 |
| Loan and lease loss provision to assets | 0.5536% | 245 |
| Net operating income to assets | 1.2886% | 1,247 |
| Return on assets (ROA) | 1.2905% | 1,291 |
| Pretax return on assets | 1.2905% | 2,124 |
| Return on Equity (ROE) | 9.4362% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.4362% | 1,129 |
| Net charge-offs to loans | 1.7425% | 170 |
| Credit loss provision to net charge-offs | 48.0132% | 2,226 |
| Earnings coverage of net charge-offs (x) | 1.5977% | 3,059 |
| Efficiency ratio | 57.8603% | 5,663 |
| Assets per employee ($millions) | 3.8056% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3161% | 151 |
| Loan loss allowance to noncurrent loans | 108.7171% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 2.8285% | 1,042 |
| Noncurrent loans to loans | 3.9701% | 683 |
| Net loans and leases to total assets | 61.8832% | 3,256 |
| Net loans and leases to deposits | 71.8908% | 3,350 |
| Net loans and leases to core deposits | 73.3551% | 3,724 |
| Total domestic deposits to total assets | 86.0794% | 3,328 |
| Equity capital to assets | 13.6034% | 1,075 |
| Core capital (leverage) ratio | 13.8313% | 877 |
| Tier 1 risk-based capital ratio | 20.4402% | 1,604 |
| Total risk-based capital ratio | 21.7265% | 1,563 |
| Memoranda: | ||
| Average total assets | $209,523,500 | 2,940 |
| Average earning assets | $188,065,000 | 2,992 |
| Average equity | $28,655,500 | 2,353 |
| Average total loans | $138,654,000 | 2,754 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 1,003 |
| Cost of funding earning assets | 0.4180% | 4,450 |
| Net interest margin | 4.5325% | 689 |
| Noninterest income to average assets | 0.5498% | 3,405 |
| Noninterest expense to average assets | 2.4886% | 4,805 |
| Loan and lease loss provision to assets | 0.4242% | 699 |
| Net operating income to assets | 1.8743% | 421 |
| Return on assets (ROA) | 1.8752% | 426 |
| Pretax return on assets | 1.8752% | 639 |
| Return on Equity (ROE) | 14.6466% | 823 |
| Retained earnings to average equity (ytd only) | 8.8929% | 795 |
| Net charge-offs to loans | 0.7642% | 827 |
| Credit loss provision to net charge-offs | 84.8007% | 2,902 |
| Earnings coverage of net charge-offs (x) | 4.5950% | 3,524 |
| Efficiency ratio | 51.9853% | 6,295 |
| Assets per employee ($millions) | 3.6773% | 4,532 |
| Cash dividends to net income (ytd only)* | 39.2831% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4904% | 136 |
| Loan loss allowance to noncurrent loans | 128.3402% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 2.6839% | 1,252 |
| Noncurrent loans to loans | 3.4988% | 897 |
| Net loans and leases to total assets | 64.6882% | 2,922 |
| Net loans and leases to deposits | 75.2756% | 3,059 |
| Net loans and leases to core deposits | 76.8653% | 3,509 |
| Total domestic deposits to total assets | 85.9351% | 3,294 |
| Equity capital to assets | 13.7522% | 985 |
| Core capital (leverage) ratio | 13.7775% | 886 |
| Tier 1 risk-based capital ratio | 23.0447% | 1,090 |
| Total risk-based capital ratio | 24.3423% | 1,062 |
| Memoranda: | ||
| Average total assets | $215,707,200 | 2,852 |
| Average earning assets | $201,654,400 | 2,810 |
| Average equity | $27,617,400 | 2,410 |
| Average total loans | $141,200,400 | 2,676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 1,152 |
| Cost of funding earning assets | 0.4201% | 4,615 |
| Net interest margin | 4.4670% | 777 |
| Noninterest income to average assets | 0.5745% | 3,303 |
| Noninterest expense to average assets | 2.3726% | 5,107 |
| Loan and lease loss provision to assets | 0.4492% | 636 |
| Net operating income to assets | 1.9637% | 385 |
| Return on assets (ROA) | 1.9649% | 399 |
| Pretax return on assets | 1.9649% | 624 |
| Return on Equity (ROE) | 15.6206% | 693 |
| Retained earnings to average equity (ytd only) | 15.1882% | 189 |
| Net charge-offs to loans | 0.0951% | 3,613 |
| Credit loss provision to net charge-offs | 727.7228% | 401 |
| Earnings coverage of net charge-offs (x) | 39.0901% | 1,021 |
| Efficiency ratio | 49.5785% | 6,418 |
| Assets per employee ($millions) | 3.6565% | 4,545 |
| Cash dividends to net income (ytd only)* | 2.7682% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9886% | 115 |
| Loan loss allowance to noncurrent loans | 208.4120% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9523% | 2,081 |
| Noncurrent loans to loans | 2.3936% | 1,835 |
| Net loans and leases to total assets | 64.5242% | 2,918 |
| Net loans and leases to deposits | 75.3363% | 3,042 |
| Net loans and leases to core deposits | 79.2016% | 3,208 |
| Total domestic deposits to total assets | 85.6483% | 3,431 |
| Equity capital to assets | 13.9079% | 991 |
| Core capital (leverage) ratio | 13.3777% | 1,071 |
| Tier 1 risk-based capital ratio | 23.4242% | 1,080 |
| Total risk-based capital ratio | 24.7296% | 1,052 |
| Memoranda: | ||
| Average total assets | $218,151,250 | 2,852 |
| Average earning assets | $205,649,250 | 2,799 |
| Average equity | $27,441,750 | 2,444 |
| Average total loans | $141,631,500 | 2,689 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8599% | 1,192 |
| Cost of funding earning assets | 0.4178% | 4,776 |
| Net interest margin | 4.4421% | 787 |
| Noninterest income to average assets | 0.6757% | 2,763 |
| Noninterest expense to average assets | 2.3207% | 5,296 |
| Loan and lease loss provision to assets | 0.5014% | 544 |
| Net operating income to assets | 2.0705% | 318 |
| Return on assets (ROA) | 2.0723% | 331 |
| Pretax return on assets | 2.0723% | 523 |
| Return on Equity (ROE) | 17.0389% | 551 |
| Retained earnings to average equity (ytd only) | 17.0389% | 155 |
| Net charge-offs to loans | 0.0424% | 4,087 |
| Credit loss provision to net charge-offs | 1,850.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 94.9000% | 491 |
| Efficiency ratio | 47.4335% | 6,570 |
| Assets per employee ($millions) | 3.6025% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9817% | 114 |
| Loan loss allowance to noncurrent loans | 228.2337% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.8029% | 2,410 |
| Noncurrent loans to loans | 2.1827% | 2,196 |
| Net loans and leases to total assets | 60.3399% | 3,601 |
| Net loans and leases to deposits | 69.5125% | 3,784 |
| Net loans and leases to core deposits | 72.5816% | 3,978 |
| Total domestic deposits to total assets | 86.8044% | 2,937 |
| Equity capital to assets | 12.8061% | 1,419 |
| Core capital (leverage) ratio | 12.8112% | 1,244 |
| Tier 1 risk-based capital ratio | 22.8629% | 1,158 |
| Total risk-based capital ratio | 24.1674% | 1,133 |
| Memoranda: | ||
| Average total assets | $221,394,670 | 2,822 |
| Average earning assets | $210,171,000 | 2,743 |
| Average equity | $26,926,670 | 2,498 |
| Average total loans | $141,661,000 | 2,694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,404 |
| Cost of funding earning assets | 0.4243% | 4,873 |
| Net interest margin | 4.3261% | 920 |
| Noninterest income to average assets | 0.4716% | 3,982 |
| Noninterest expense to average assets | 2.3005% | 5,422 |
| Loan and lease loss provision to assets | 0.6732% | 354 |
| Net operating income to assets | 1.6273% | 669 |
| Return on assets (ROA) | 1.6309% | 728 |
| Pretax return on assets | 1.6309% | 1,234 |
| Return on Equity (ROE) | 13.7695% | 1,006 |
| Retained earnings to average equity (ytd only) | 13.7695% | 473 |
| Net charge-offs to loans | 0.0533% | 3,295 |
| Credit loss provision to net charge-offs | 1,968.4211% | 177 |
| Earnings coverage of net charge-offs (x) | 67.2632% | 532 |
| Efficiency ratio | 50.0000% | 6,501 |
| Assets per employee ($millions) | 3.8657% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7927% | 152 |
| Loan loss allowance to noncurrent loans | 242.6476% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6770% | 2,773 |
| Noncurrent loans to loans | 1.9752% | 2,643 |
| Net loans and leases to total assets | 60.0885% | 3,412 |
| Net loans and leases to deposits | 68.5174% | 3,709 |
| Net loans and leases to core deposits | 71.5534% | 3,876 |
| Total domestic deposits to total assets | 87.6982% | 2,516 |
| Equity capital to assets | 11.9396% | 2,081 |
| Core capital (leverage) ratio | 12.0338% | 1,544 |
| Tier 1 risk-based capital ratio | 21.4333% | 1,441 |
| Total risk-based capital ratio | 22.7348% | 1,403 |
| Memoranda: | ||
| Average total assets | $222,214,500 | 2,846 |
| Average earning assets | $212,108,000 | 2,745 |
| Average equity | $26,319,000 | 2,580 |
| Average total loans | $142,715,500 | 2,683 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 819 |
| Cost of funding earning assets | 0.5734% | 4,603 |
| Net interest margin | 4.7824% | 559 |
| Noninterest income to average assets | 0.1583% | 6,244 |
| Noninterest expense to average assets | 2.5691% | 4,861 |
| Loan and lease loss provision to assets | 1.1753% | 308 |
| Net operating income to assets | 0.9248% | 2,678 |
| Return on assets (ROA) | 0.9248% | 2,923 |
| Pretax return on assets | 0.9248% | 3,830 |
| Return on Equity (ROE) | 8.2569% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.2569% | 1,047 |
| Net charge-offs to loans | 0.3386% | 2,942 |
| Credit loss provision to net charge-offs | 502.7079% | 479 |
| Earnings coverage of net charge-offs (x) | 8.9826% | 2,325 |
| Efficiency ratio | 55.0218% | 6,167 |
| Assets per employee ($millions) | 4.1551% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4656% | 196 |
| Loan loss allowance to noncurrent loans | 239.1887% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7033% | 2,844 |
| Noncurrent loans to loans | 1.8670% | 2,840 |
| Net loans and leases to total assets | 62.4368% | 3,180 |
| Net loans and leases to deposits | 70.9706% | 3,566 |
| Net loans and leases to core deposits | 74.0609% | 3,775 |
| Total domestic deposits to total assets | 87.9756% | 2,252 |
| Equity capital to assets | 11.7465% | 2,228 |
| Core capital (leverage) ratio | 11.7826% | 1,678 |
| Tier 1 risk-based capital ratio | 20.4561% | 1,571 |
| Total risk-based capital ratio | 21.7537% | 1,535 |
| Memoranda: | ||
| Average total assets | $221,131,200 | 2,831 |
| Average earning assets | $208,575,800 | 2,755 |
| Average equity | $24,767,200 | 2,681 |
| Average total loans | $152,690,200 | 2,533 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 811 |
| Cost of funding earning assets | 0.6002% | 4,647 |
| Net interest margin | 4.8128% | 551 |
| Noninterest income to average assets | 0.1735% | 6,268 |
| Noninterest expense to average assets | 2.5280% | 4,992 |
| Loan and lease loss provision to assets | 1.3317% | 259 |
| Net operating income to assets | 0.8493% | 3,219 |
| Return on assets (ROA) | 0.8493% | 3,471 |
| Pretax return on assets | 0.8493% | 4,306 |
| Return on Equity (ROE) | 7.6758% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.6758% | 1,770 |
| Net charge-offs to loans | 0.3151% | 2,867 |
| Credit loss provision to net charge-offs | 604.0984% | 441 |
| Earnings coverage of net charge-offs (x) | 9.8934% | 2,258 |
| Efficiency ratio | 53.6838% | 6,286 |
| Assets per employee ($millions) | 4.1485% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0444% | 297 |
| Loan loss allowance to noncurrent loans | 279.3321% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 1.8015% | 2,909 |
| Noncurrent loans to loans | 1.4479% | 3,633 |
| Net loans and leases to total assets | 66.7940% | 2,504 |
| Net loans and leases to deposits | 75.8069% | 3,011 |
| Net loans and leases to core deposits | 78.1573% | 3,436 |
| Total domestic deposits to total assets | 88.1107% | 1,979 |
| Equity capital to assets | 11.4754% | 2,774 |
| Core capital (leverage) ratio | 11.5881% | 1,924 |
| Tier 1 risk-based capital ratio | 18.6157% | 2,129 |
| Total risk-based capital ratio | 19.9068% | 2,085 |
| Memoranda: | ||
| Average total assets | $221,359,500 | 2,847 |
| Average earning assets | $208,607,250 | 2,781 |
| Average equity | $24,492,000 | 2,734 |
| Average total loans | $154,881,750 | 2,535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 783 |
| Cost of funding earning assets | 0.6217% | 4,703 |
| Net interest margin | 4.8401% | 527 |
| Noninterest income to average assets | 0.2019% | 6,110 |
| Noninterest expense to average assets | 2.5278% | 5,047 |
| Loan and lease loss provision to assets | 1.5316% | 232 |
| Net operating income to assets | 0.6833% | 3,960 |
| Return on assets (ROA) | 0.6833% | 4,217 |
| Pretax return on assets | 0.6833% | 4,875 |
| Return on Equity (ROE) | 6.2527% | 4,184 |
| Retained earnings to average equity (ytd only) | 6.2527% | 2,535 |
| Net charge-offs to loans | 0.1158% | 4,013 |
| Credit loss provision to net charge-offs | 1,887.7778% | 164 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 1,136 |
| Efficiency ratio | 53.2979% | 6,388 |
| Assets per employee ($millions) | 4.1560% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8758% | 375 |
| Loan loss allowance to noncurrent loans | 221.4206% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 2.2491% | 2,486 |
| Noncurrent loans to loans | 1.7504% | 3,274 |
| Net loans and leases to total assets | 67.0400% | 2,455 |
| Net loans and leases to deposits | 75.7605% | 3,020 |
| Net loans and leases to core deposits | 78.0910% | 3,501 |
| Total domestic deposits to total assets | 88.4894% | 1,827 |
| Equity capital to assets | 11.1551% | 2,949 |
| Core capital (leverage) ratio | 11.0976% | 2,208 |
| Tier 1 risk-based capital ratio | 17.9492% | 2,308 |
| Total risk-based capital ratio | 19.2373% | 2,265 |
| Memoranda: | ||
| Average total assets | $221,856,000 | 2,848 |
| Average earning assets | $208,138,330 | 2,787 |
| Average equity | $24,245,670 | 2,743 |
| Average total loans | $155,492,330 | 2,527 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6725% | 544 |
| Cost of funding earning assets | 0.6494% | 4,741 |
| Net interest margin | 5.0231% | 384 |
| Noninterest income to average assets | 1.0528% | 1,300 |
| Noninterest expense to average assets | 2.5385% | 5,027 |
| Loan and lease loss provision to assets | 2.2223% | 122 |
| Net operating income to assets | 1.0025% | 2,474 |
| Return on assets (ROA) | 1.0025% | 2,663 |
| Pretax return on assets | 1.0025% | 3,669 |
| Return on Equity (ROE) | 9.2679% | 2,699 |
| Retained earnings to average equity (ytd only) | 9.2679% | 1,494 |
| Net charge-offs to loans | 0.0869% | 3,642 |
| Credit loss provision to net charge-offs | 3,638.2353% | 77 |
| Earnings coverage of net charge-offs (x) | 52.7941% | 613 |
| Efficiency ratio | 44.0461% | 6,989 |
| Assets per employee ($millions) | 4.2441% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5918% | 503 |
| Loan loss allowance to noncurrent loans | 282.1974% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 2.1860% | 2,701 |
| Noncurrent loans to loans | 1.2728% | 4,199 |
| Net loans and leases to total assets | 66.2033% | 2,431 |
| Net loans and leases to deposits | 74.5018% | 3,048 |
| Net loans and leases to core deposits | 76.5323% | 3,552 |
| Total domestic deposits to total assets | 88.8613% | 1,783 |
| Equity capital to assets | 10.8386% | 3,092 |
| Core capital (leverage) ratio | 10.8657% | 2,369 |
| Tier 1 risk-based capital ratio | 17.6551% | 2,423 |
| Total risk-based capital ratio | 18.9391% | 2,381 |
| Memoranda: | ||
| Average total assets | $222,650,500 | 2,855 |
| Average earning assets | $208,795,500 | 2,789 |
| Average equity | $24,083,000 | 2,761 |
| Average total loans | $156,428,000 | 2,532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4616% | 1,260 |
| Cost of funding earning assets | 0.9164% | 3,991 |
| Net interest margin | 4.5452% | 1,033 |
| Noninterest income to average assets | 0.0082% | 6,960 |
| Noninterest expense to average assets | 2.5464% | 5,311 |
| Loan and lease loss provision to assets | 1.2228% | 709 |
| Net operating income to assets | 0.4742% | 4,527 |
| Return on assets (ROA) | 0.4742% | 4,733 |
| Pretax return on assets | 0.4742% | 5,063 |
| Return on Equity (ROE) | 4.4677% | 4,642 |
| Retained earnings to average equity (ytd only) | 4.4677% | 2,990 |
| Net charge-offs to loans | 2.5143% | 464 |
| Credit loss provision to net charge-offs | 67.5269% | 4,943 |
| Earnings coverage of net charge-offs (x) | 0.9371% | 5,102 |
| Efficiency ratio | 60.0086% | 5,759 |
| Assets per employee ($millions) | 4.2378% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7432% | 1,042 |
| Loan loss allowance to noncurrent loans | 115.1298% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 3.2968% | 1,808 |
| Noncurrent loans to loans | 2.3827% | 2,745 |
| Net loans and leases to total assets | 69.9058% | 2,050 |
| Net loans and leases to deposits | 78.6469% | 2,738 |
| Net loans and leases to core deposits | 80.3103% | 3,420 |
| Total domestic deposits to total assets | 88.8857% | 1,613 |
| Equity capital to assets | 10.7939% | 3,204 |
| Core capital (leverage) ratio | 10.8615% | 2,383 |
| Tier 1 risk-based capital ratio | 16.6771% | 2,743 |
| Total risk-based capital ratio | 17.9491% | 2,695 |
| Memoranda: | ||
| Average total assets | $220,393,800 | 2,835 |
| Average earning assets | $205,360,600 | 2,786 |
| Average equity | $23,390,200 | 2,737 |
| Average total loans | $158,733,800 | 2,517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 1,378 |
| Cost of funding earning assets | 0.9821% | 3,803 |
| Net interest margin | 4.4732% | 1,207 |
| Noninterest income to average assets | -0.1107% | 7,215 |
| Noninterest expense to average assets | 2.4621% | 5,586 |
| Loan and lease loss provision to assets | 1.1815% | 668 |
| Net operating income to assets | 0.4144% | 4,932 |
| Return on assets (ROA) | 0.4144% | 5,125 |
| Pretax return on assets | 0.4144% | 5,421 |
| Return on Equity (ROE) | 3.9213% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.9213% | 3,930 |
| Net charge-offs to loans | 1.5842% | 893 |
| Credit loss provision to net charge-offs | 103.4976% | 3,219 |
| Earnings coverage of net charge-offs (x) | 1.3980% | 4,579 |
| Efficiency ratio | 60.6738% | 5,612 |
| Assets per employee ($millions) | 4.3265% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4893% | 567 |
| Loan loss allowance to noncurrent loans | 255.4611% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 2,437 |
| Noncurrent loans to loans | 1.3659% | 4,257 |
| Net loans and leases to total assets | 72.9688% | 1,515 |
| Net loans and leases to deposits | 82.3258% | 2,299 |
| Net loans and leases to core deposits | 84.0467% | 3,063 |
| Total domestic deposits to total assets | 88.6342% | 1,671 |
| Equity capital to assets | 10.8472% | 3,294 |
| Core capital (leverage) ratio | 10.9126% | 2,464 |
| Tier 1 risk-based capital ratio | 15.9915% | 3,126 |
| Total risk-based capital ratio | 17.2743% | 3,069 |
| Memoranda: | ||
| Average total assets | $220,401,000 | 2,836 |
| Average earning assets | $205,397,000 | 2,793 |
| Average equity | $23,291,250 | 2,750 |
| Average total loans | $158,819,000 | 2,534 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4114% | 1,528 |
| Cost of funding earning assets | 1.0492% | 3,606 |
| Net interest margin | 4.3622% | 1,481 |
| Noninterest income to average assets | 0.0090% | 7,168 |
| Noninterest expense to average assets | 2.3819% | 5,901 |
| Loan and lease loss provision to assets | 0.8658% | 1,039 |
| Net operating income to assets | 0.8072% | 3,038 |
| Return on assets (ROA) | 0.8072% | 3,159 |
| Pretax return on assets | 0.8072% | 3,999 |
| Return on Equity (ROE) | 7.7044% | 3,095 |
| Retained earnings to average equity (ytd only) | 7.7044% | 1,581 |
| Net charge-offs to loans | 0.6907% | 2,116 |
| Credit loss provision to net charge-offs | 176.7956% | 1,699 |
| Earnings coverage of net charge-offs (x) | 3.4162% | 3,179 |
| Efficiency ratio | 58.7411% | 6,069 |
| Assets per employee ($millions) | 4.2931% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8247% | 463 |
| Loan loss allowance to noncurrent loans | 156.0938% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 3.5163% | 1,870 |
| Noncurrent loans to loans | 2.4503% | 2,937 |
| Net loans and leases to total assets | 70.9656% | 2,013 |
| Net loans and leases to deposits | 81.4448% | 2,530 |
| Net loans and leases to core deposits | 83.1911% | 3,338 |
| Total domestic deposits to total assets | 87.1334% | 2,664 |
| Equity capital to assets | 11.0251% | 2,925 |
| Core capital (leverage) ratio | 10.5976% | 2,621 |
| Tier 1 risk-based capital ratio | 16.5807% | 2,703 |
| Total risk-based capital ratio | 17.8675% | 2,643 |
| Memoranda: | ||
| Average total assets | $221,760,000 | 2,841 |
| Average earning assets | $205,678,000 | 2,811 |
| Average equity | $23,233,330 | 2,738 |
| Average total loans | $157,240,000 | 2,576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 2,289 |
| Cost of funding earning assets | 1.0909% | 3,583 |
| Net interest margin | 4.0919% | 2,297 |
| Noninterest income to average assets | 0.1669% | 6,534 |
| Noninterest expense to average assets | 2.3079% | 6,166 |
| Loan and lease loss provision to assets | 0.8522% | 969 |
| Net operating income to assets | 0.8291% | 2,886 |
| Return on assets (ROA) | 0.8291% | 2,946 |
| Pretax return on assets | 0.8291% | 3,794 |
| Return on Equity (ROE) | 8.1157% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.1157% | 1,689 |
| Net charge-offs to loans | 0.0740% | 4,196 |
| Credit loss provision to net charge-offs | 1,655.1724% | 238 |
| Earnings coverage of net charge-offs (x) | 32.6552% | 785 |
| Efficiency ratio | 57.8549% | 6,285 |
| Assets per employee ($millions) | 4.5299% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9350% | 436 |
| Loan loss allowance to noncurrent loans | 95.9975% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 4.6580% | 1,376 |
| Noncurrent loans to loans | 4.0991% | 1,755 |
| Net loans and leases to total assets | 65.6627% | 3,101 |
| Net loans and leases to deposits | 75.6151% | 3,475 |
| Net loans and leases to core deposits | 77.0512% | 4,158 |
| Total domestic deposits to total assets | 86.8381% | 3,029 |
| Equity capital to assets | 10.2634% | 3,454 |
| Core capital (leverage) ratio | 10.2410% | 2,878 |
| Tier 1 risk-based capital ratio | 16.4499% | 2,683 |
| Total risk-based capital ratio | 17.7379% | 2,640 |
| Memoranda: | ||
| Average total assets | $225,312,000 | 2,816 |
| Average earning assets | $210,463,500 | 2,778 |
| Average equity | $23,017,000 | 2,742 |
| Average total loans | $156,665,000 | 2,608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6601% | 1,715 |
| Cost of funding earning assets | 1.4676% | 2,834 |
| Net interest margin | 4.1925% | 2,214 |
| Noninterest income to average assets | -0.0564% | 7,360 |
| Noninterest expense to average assets | 2.4956% | 5,815 |
| Loan and lease loss provision to assets | 0.8930% | 1,829 |
| Net operating income to assets | 0.4080% | 4,504 |
| Return on assets (ROA) | 0.4080% | 4,636 |
| Pretax return on assets | 0.4080% | 4,918 |
| Return on Equity (ROE) | 3.9983% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.9983% | 3,067 |
| Net charge-offs to loans | 1.4415% | 1,534 |
| Credit loss provision to net charge-offs | 83.2132% | 5,423 |
| Earnings coverage of net charge-offs (x) | 1.2124% | 4,894 |
| Efficiency ratio | 65.7321% | 5,022 |
| Assets per employee ($millions) | 4.3947% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5586% | 574 |
| Loan loss allowance to noncurrent loans | 108.8156% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 4.0584% | 1,671 |
| Noncurrent loans to loans | 3.2703% | 2,322 |
| Net loans and leases to total assets | 68.2082% | 2,929 |
| Net loans and leases to deposits | 78.5336% | 3,422 |
| Net loans and leases to core deposits | 80.0380% | 4,215 |
| Total domestic deposits to total assets | 86.8523% | 2,907 |
| Equity capital to assets | 10.1673% | 3,535 |
| Core capital (leverage) ratio | 10.3829% | 2,694 |
| Tier 1 risk-based capital ratio | 15.7144% | 2,885 |
| Total risk-based capital ratio | 16.9971% | 2,831 |
| Memoranda: | ||
| Average total assets | $219,827,800 | 2,870 |
| Average earning assets | $202,028,600 | 2,850 |
| Average equity | $22,434,400 | 2,826 |
| Average total loans | $163,654,600 | 2,568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6744% | 1,797 |
| Cost of funding earning assets | 1.5426% | 2,713 |
| Net interest margin | 4.1318% | 2,478 |
| Noninterest income to average assets | 0.0719% | 7,175 |
| Noninterest expense to average assets | 2.4539% | 5,875 |
| Loan and lease loss provision to assets | 0.8917% | 1,703 |
| Net operating income to assets | 0.5089% | 4,277 |
| Return on assets (ROA) | 0.5089% | 4,463 |
| Pretax return on assets | 0.5089% | 4,892 |
| Return on Equity (ROE) | 4.9821% | 4,302 |
| Retained earnings to average equity (ytd only) | 4.9821% | 3,004 |
| Net charge-offs to loans | 1.9223% | 990 |
| Credit loss provision to net charge-offs | 61.5223% | 5,650 |
| Earnings coverage of net charge-offs (x) | 0.9664% | 5,098 |
| Efficiency ratio | 63.6622% | 5,307 |
| Assets per employee ($millions) | 4.0055% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1263% | 746 |
| Loan loss allowance to noncurrent loans | 199.5325% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 3.3054% | 2,155 |
| Noncurrent loans to loans | 1.5668% | 4,290 |
| Net loans and leases to total assets | 74.7619% | 1,626 |
| Net loans and leases to deposits | 86.8408% | 2,175 |
| Net loans and leases to core deposits | 88.3490% | 3,325 |
| Total domestic deposits to total assets | 86.0907% | 3,026 |
| Equity capital to assets | 10.7245% | 3,266 |
| Core capital (leverage) ratio | 10.5612% | 2,626 |
| Tier 1 risk-based capital ratio | 14.9774% | 3,260 |
| Total risk-based capital ratio | 16.2534% | 3,236 |
| Memoranda: | ||
| Average total assets | $218,752,250 | 2,939 |
| Average earning assets | $200,263,000 | 2,916 |
| Average equity | $22,346,000 | 2,883 |
| Average total loans | $164,939,250 | 2,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 2,009 |
| Cost of funding earning assets | 1.5760% | 2,797 |
| Net interest margin | 4.0577% | 2,760 |
| Noninterest income to average assets | 0.1349% | 6,912 |
| Noninterest expense to average assets | 2.4354% | 5,958 |
| Loan and lease loss provision to assets | 0.8891% | 1,641 |
| Net operating income to assets | 0.5052% | 4,304 |
| Return on assets (ROA) | 0.5052% | 4,451 |
| Pretax return on assets | 0.5052% | 4,885 |
| Return on Equity (ROE) | 5.0257% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.0257% | 2,889 |
| Net charge-offs to loans | 0.6243% | 2,664 |
| Credit loss provision to net charge-offs | 190.3101% | 2,072 |
| Earnings coverage of net charge-offs (x) | 2.9845% | 3,506 |
| Efficiency ratio | 63.5934% | 5,414 |
| Assets per employee ($millions) | 4.0918% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9441% | 392 |
| Loan loss allowance to noncurrent loans | 124.4832% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 4.0619% | 1,688 |
| Noncurrent loans to loans | 3.1684% | 2,525 |
| Net loans and leases to total assets | 71.6777% | 2,492 |
| Net loans and leases to deposits | 85.7148% | 2,554 |
| Net loans and leases to core deposits | 87.4291% | 3,632 |
| Total domestic deposits to total assets | 83.6235% | 4,282 |
| Equity capital to assets | 10.1794% | 3,800 |
| Core capital (leverage) ratio | 10.0339% | 3,128 |
| Tier 1 risk-based capital ratio | 14.8409% | 3,243 |
| Total risk-based capital ratio | 16.1288% | 3,192 |
| Memoranda: | ||
| Average total assets | $220,906,330 | 2,925 |
| Average earning assets | $201,147,330 | 2,930 |
| Average equity | $22,205,670 | 2,898 |
| Average total loans | $165,307,670 | 2,621 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7075% | 1,752 |
| Cost of funding earning assets | 1.6261% | 2,796 |
| Net interest margin | 4.0814% | 2,521 |
| Noninterest income to average assets | 0.1322% | 7,028 |
| Noninterest expense to average assets | 2.3850% | 6,145 |
| Loan and lease loss provision to assets | 0.9109% | 1,397 |
| Net operating income to assets | 0.4908% | 4,438 |
| Return on assets (ROA) | 0.4908% | 4,572 |
| Pretax return on assets | 0.4908% | 4,990 |
| Return on Equity (ROE) | 4.9133% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.9133% | 3,198 |
| Net charge-offs to loans | 0.8361% | 1,862 |
| Credit loss provision to net charge-offs | 145.3757% | 2,447 |
| Earnings coverage of net charge-offs (x) | 2.2370% | 3,417 |
| Efficiency ratio | 62.9842% | 5,666 |
| Assets per employee ($millions) | 4.3363% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7689% | 447 |
| Loan loss allowance to noncurrent loans | 118.8183% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 3.8020% | 1,828 |
| Noncurrent loans to loans | 3.1719% | 2,528 |
| Net loans and leases to total assets | 70.1378% | 2,900 |
| Net loans and leases to deposits | 83.4088% | 3,042 |
| Net loans and leases to core deposits | 84.9344% | 4,067 |
| Total domestic deposits to total assets | 84.0892% | 4,105 |
| Equity capital to assets | 9.8297% | 4,076 |
| Core capital (leverage) ratio | 9.9382% | 3,244 |
| Tier 1 risk-based capital ratio | 14.4794% | 3,389 |
| Total risk-based capital ratio | 15.7640% | 3,337 |
| Memoranda: | ||
| Average total assets | $220,881,000 | 2,980 |
| Average earning assets | $197,776,000 | 3,029 |
| Average equity | $22,062,500 | 2,939 |
| Average total loans | $165,521,500 | 2,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3559% | 921 |
| Cost of funding earning assets | 1.9551% | 3,187 |
| Net interest margin | 4.4009% | 1,427 |
| Noninterest income to average assets | 0.3644% | 5,484 |
| Noninterest expense to average assets | 2.5360% | 6,006 |
| Loan and lease loss provision to assets | 1.5238% | 1,512 |
| Net operating income to assets | 0.2726% | 4,635 |
| Return on assets (ROA) | 0.2783% | 4,708 |
| Pretax return on assets | 0.2783% | 4,824 |
| Return on Equity (ROE) | 2.7904% | 4,591 |
| Retained earnings to average equity (ytd only) | 2.7904% | 3,209 |
| Net charge-offs to loans | 1.8173% | 1,374 |
| Credit loss provision to net charge-offs | 106.1655% | 5,219 |
| Earnings coverage of net charge-offs (x) | 1.2516% | 4,873 |
| Efficiency ratio | 58.5363% | 6,690 |
| Assets per employee ($millions) | 4.1591% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6216% | 483 |
| Loan loss allowance to noncurrent loans | 126.0597% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 2.9546% | 2,374 |
| Noncurrent loans to loans | 2.8729% | 2,683 |
| Net loans and leases to total assets | 74.2853% | 2,203 |
| Net loans and leases to deposits | 88.9880% | 2,390 |
| Net loans and leases to core deposits | 116.1595% | 2,297 |
| Total domestic deposits to total assets | 83.4778% | 4,294 |
| Equity capital to assets | 10.1538% | 3,558 |
| Core capital (leverage) ratio | 10.0908% | 3,005 |
| Tier 1 risk-based capital ratio | 14.3774% | 3,276 |
| Total risk-based capital ratio | 15.6609% | 3,209 |
| Memoranda: | ||
| Average total assets | $211,319,400 | 3,053 |
| Average earning assets | $190,530,200 | 3,089 |
| Average equity | $21,072,400 | 3,062 |
| Average total loans | $166,900,400 | 2,665 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3616% | 1,000 |
| Cost of funding earning assets | 1.9929% | 3,392 |
| Net interest margin | 4.3687% | 1,536 |
| Noninterest income to average assets | 0.3909% | 5,372 |
| Noninterest expense to average assets | 2.4847% | 6,124 |
| Loan and lease loss provision to assets | 1.0472% | 1,838 |
| Net operating income to assets | 0.8479% | 2,627 |
| Return on assets (ROA) | 0.8555% | 2,655 |
| Pretax return on assets | 0.8555% | 3,365 |
| Return on Equity (ROE) | 8.6199% | 2,401 |
| Retained earnings to average equity (ytd only) | 8.6199% | 936 |
| Net charge-offs to loans | 1.5853% | 1,289 |
| Credit loss provision to net charge-offs | 83.1234% | 5,675 |
| Earnings coverage of net charge-offs (x) | 1.5043% | 4,655 |
| Efficiency ratio | 56.7309% | 6,900 |
| Assets per employee ($millions) | 4.0467% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2652% | 519 |
| Loan loss allowance to noncurrent loans | 114.0877% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 2,398 |
| Noncurrent loans to loans | 2.8620% | 2,655 |
| Net loans and leases to total assets | 76.1801% | 1,960 |
| Net loans and leases to deposits | 91.1326% | 2,372 |
| Net loans and leases to core deposits | 116.0731% | 2,615 |
| Total domestic deposits to total assets | 83.5926% | 3,911 |
| Equity capital to assets | 9.9228% | 4,187 |
| Core capital (leverage) ratio | 10.0160% | 3,260 |
| Tier 1 risk-based capital ratio | 13.8199% | 3,656 |
| Total risk-based capital ratio | 15.0987% | 3,582 |
| Memoranda: | ||
| Average total assets | $210,081,000 | 3,086 |
| Average earning assets | $191,812,750 | 3,091 |
| Average equity | $20,850,500 | 3,118 |
| Average total loans | $166,951,500 | 2,685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3039% | 1,199 |
| Cost of funding earning assets | 2.0122% | 3,715 |
| Net interest margin | 4.2917% | 1,678 |
| Noninterest income to average assets | 0.3499% | 5,700 |
| Noninterest expense to average assets | 2.4284% | 6,375 |
| Loan and lease loss provision to assets | 0.4793% | 3,128 |
| Net operating income to assets | 1.4131% | 996 |
| Return on assets (ROA) | 1.4198% | 1,051 |
| Pretax return on assets | 1.4198% | 1,668 |
| Return on Equity (ROE) | 14.3046% | 944 |
| Retained earnings to average equity (ytd only) | 14.3046% | 242 |
| Net charge-offs to loans | 2.2670% | 791 |
| Credit loss provision to net charge-offs | 26.5252% | 6,064 |
| Earnings coverage of net charge-offs (x) | 1.0472% | 4,740 |
| Efficiency ratio | 56.2015% | 7,096 |
| Assets per employee ($millions) | 3.9808% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6534% | 781 |
| Loan loss allowance to noncurrent loans | 80.2913% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 3.3861% | 1,850 |
| Noncurrent loans to loans | 3.3047% | 2,136 |
| Net loans and leases to total assets | 77.6413% | 1,829 |
| Net loans and leases to deposits | 95.6136% | 1,859 |
| Net loans and leases to core deposits | 120.6721% | 2,306 |
| Total domestic deposits to total assets | 81.2032% | 4,998 |
| Equity capital to assets | 10.1392% | 3,780 |
| Core capital (leverage) ratio | 10.0901% | 3,196 |
| Tier 1 risk-based capital ratio | 13.6637% | 3,716 |
| Total risk-based capital ratio | 14.9338% | 3,631 |
| Memoranda: | ||
| Average total assets | $208,616,000 | 3,125 |
| Average earning assets | $193,023,000 | 3,106 |
| Average equity | $20,706,670 | 3,143 |
| Average total loans | $166,301,000 | 2,726 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2726% | 1,380 |
| Cost of funding earning assets | 2.0334% | 3,965 |
| Net interest margin | 4.2392% | 1,780 |
| Noninterest income to average assets | 0.2565% | 6,400 |
| Noninterest expense to average assets | 2.4201% | 6,132 |
| Loan and lease loss provision to assets | 0.2893% | 3,640 |
| Net operating income to assets | 1.4829% | 970 |
| Return on assets (ROA) | 1.4887% | 1,030 |
| Pretax return on assets | 1.4887% | 1,700 |
| Return on Equity (ROE) | 15.1640% | 951 |
| Retained earnings to average equity (ytd only) | 15.1640% | 399 |
| Net charge-offs to loans | 2.7705% | 472 |
| Credit loss provision to net charge-offs | 13.1004% | 5,164 |
| Earnings coverage of net charge-offs (x) | 0.8026% | 4,388 |
| Efficiency ratio | 57.7277% | 6,741 |
| Assets per employee ($millions) | 3.8799% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9272% | 511 |
| Loan loss allowance to noncurrent loans | 86.6345% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 3.4699% | 1,553 |
| Noncurrent loans to loans | 3.3788% | 1,897 |
| Net loans and leases to total assets | 76.8458% | 2,077 |
| Net loans and leases to deposits | 92.7491% | 2,476 |
| Net loans and leases to core deposits | 115.4497% | 2,854 |
| Total domestic deposits to total assets | 82.8534% | 4,217 |
| Equity capital to assets | 9.9013% | 4,116 |
| Core capital (leverage) ratio | 9.8995% | 3,518 |
| Tier 1 risk-based capital ratio | 13.4427% | 3,901 |
| Total risk-based capital ratio | 14.7163% | 3,808 |
| Memoranda: | ||
| Average total assets | $207,432,500 | 3,146 |
| Average earning assets | $192,583,500 | 3,117 |
| Average equity | $20,364,000 | 3,213 |
| Average total loans | $165,314,000 | 2,765 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3721% | 522 |
| Cost of funding earning assets | 2.5999% | 3,683 |
| Net interest margin | 4.7722% | 830 |
| Noninterest income to average assets | 0.5519% | 4,214 |
| Noninterest expense to average assets | 2.5987% | 5,658 |
| Loan and lease loss provision to assets | 0.6133% | 2,376 |
| Net operating income to assets | 1.7780% | 578 |
| Return on assets (ROA) | 1.7780% | 554 |
| Pretax return on assets | 1.7780% | 985 |
| Return on Equity (ROE) | 18.3441% | 501 |
| Retained earnings to average equity (ytd only) | 14.3895% | 108 |
| Net charge-offs to loans | 0.8492% | 1,481 |
| Credit loss provision to net charge-offs | 86.9565% | 5,743 |
| Earnings coverage of net charge-offs (x) | 3.3906% | 4,389 |
| Efficiency ratio | 52.0791% | 7,479 |
| Assets per employee ($millions) | 3.7336% | 4,097 |
| Cash dividends to net income (ytd only)* | 21.5579% | 4,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5504% | 266 |
| Loan loss allowance to noncurrent loans | 84.0276% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 3.6036% | 1,222 |
| Noncurrent loans to loans | 4.2253% | 1,153 |
| Net loans and leases to total assets | 77.3896% | 2,290 |
| Net loans and leases to deposits | 93.4641% | 2,864 |
| Net loans and leases to core deposits | 115.3552% | 3,200 |
| Total domestic deposits to total assets | 82.8014% | 3,855 |
| Equity capital to assets | 9.7313% | 4,391 |
| Core capital (leverage) ratio | 9.6357% | 3,840 |
| Tier 1 risk-based capital ratio | 13.1739% | 4,012 |
| Total risk-based capital ratio | 14.4568% | 3,904 |
| Memoranda: | ||
| Average total assets | $195,671,200 | 3,194 |
| Average earning assets | $181,968,800 | 3,161 |
| Average equity | $18,965,200 | 3,402 |
| Average total loans | $162,513,000 | 2,739 |