Home > The Bank of LaFayette, Georgia > Performance and Condition Ratios
The Bank of LaFayette, Georgia, 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 | 4.0611% | 3,865 |
| Cost of funding earning assets | 1.7529% | 1,346 |
| Net interest margin | 2.3082% | 4,255 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 1.9219% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8533% | 2,694 |
| Return on assets (ROA) | 0.6445% | 3,302 |
| Pretax return on assets | 0.8583% | 3,074 |
| Return on Equity (ROE) | 191.2100% | 6 |
| Retained earnings to average equity (ytd only) | 129.4036% | 6 |
| Net charge-offs to loans | 0.0308% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 97.9773% | 916 |
| Efficiency ratio | 63.1255% | 2,715 |
| Assets per employee ($millions) | 7.1077% | 2,004 |
| Cash dividends to net income (ytd only)* | 32.3232% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5803% | 4,269 |
| Loan loss allowance to noncurrent loans | 66.1411% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 1,398 |
| Noncurrent loans to loans | 0.8774% | 865 |
| Net loans and leases to total assets | 38.6100% | 4,079 |
| Net loans and leases to deposits | 40.9178% | 4,179 |
| Net loans and leases to core deposits | 42.7227% | 4,233 |
| Total domestic deposits to total assets | 94.3600% | 88 |
| Equity capital to assets | 0.9731% | 4,577 |
| Core capital (leverage) ratio | 9.2393% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $384,002,400 | 2,062 |
| Average earning assets | $360,496,000 | 2,041 |
| Average equity | $1,294,400 | 4,514 |
| Average total loans | $142,814,800 | 2,737 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,740 |
| Cost of funding earning assets | 1.4155% | 1,821 |
| Net interest margin | 2.6421% | 3,963 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 1.7767% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3579% | 1,406 |
| Return on assets (ROA) | 1.3557% | 1,388 |
| Pretax return on assets | 1.7760% | 1,039 |
| Return on Equity (ROE) | 776.9900% | 4 |
| Retained earnings to average equity (ytd only) | 776.9921% | 2 |
| Net charge-offs to loans | 0.0180% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 268.4211% | 486 |
| Efficiency ratio | 49.9706% | 3,913 |
| Assets per employee ($millions) | 6.5020% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 4,241 |
| Loan loss allowance to noncurrent loans | 63.0042% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,462 |
| Noncurrent loans to loans | 0.9860% | 828 |
| Net loans and leases to total assets | 39.8000% | 4,063 |
| Net loans and leases to deposits | 42.8267% | 4,136 |
| Net loans and leases to core deposits | 44.7254% | 4,159 |
| Total domestic deposits to total assets | 92.9400% | 308 |
| Equity capital to assets | -0.5100% | 4,617 |
| Core capital (leverage) ratio | 9.8525% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $382,272,500 | 2,067 |
| Average earning assets | $357,935,750 | 2,045 |
| Average equity | $667,000 | 4,555 |
| Average total loans | $140,565,000 | 2,771 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,739 |
| Cost of funding earning assets | 1.2882% | 1,738 |
| Net interest margin | 2.6878% | 3,990 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.7151% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8705% | 2,849 |
| Return on assets (ROA) | 0.8689% | 2,853 |
| Pretax return on assets | 1.1197% | 2,588 |
| Return on Equity (ROE) | 223.6900% | 5 |
| Retained earnings to average equity (ytd only) | 223.6906% | 3 |
| Net charge-offs to loans | -0.0259% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4575% | 2,902 |
| Assets per employee ($millions) | 6.8567% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,225 |
| Loan loss allowance to noncurrent loans | 60.4100% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 1,287 |
| Noncurrent loans to loans | 1.1115% | 639 |
| Net loans and leases to total assets | 36.9900% | 4,146 |
| Net loans and leases to deposits | 37.5176% | 4,265 |
| Net loans and leases to core deposits | 39.1536% | 4,275 |
| Total domestic deposits to total assets | 98.5900% | 30 |
| Equity capital to assets | 0.4272% | 4,630 |
| Core capital (leverage) ratio | 9.1340% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $388,326,000 | 2,051 |
| Average earning assets | $364,393,000 | 2,030 |
| Average equity | $1,508,333 | 4,565 |
| Average total loans | $138,806,667 | 2,784 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,715 |
| Cost of funding earning assets | 1.2081% | 1,430 |
| Net interest margin | 2.6713% | 4,109 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.6338% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9043% | 2,839 |
| Return on assets (ROA) | 0.9027% | 2,802 |
| Pretax return on assets | 1.1677% | 2,520 |
| Return on Equity (ROE) | 244.0600% | 8 |
| Retained earnings to average equity (ytd only) | 244.0631% | 7 |
| Net charge-offs to loans | 0.0145% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 230.4000% | 463 |
| Efficiency ratio | 58.2760% | 3,168 |
| Assets per employee ($millions) | 7.2823% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6592% | 4,294 |
| Loan loss allowance to noncurrent loans | 55.5220% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 1,180 |
| Noncurrent loans to loans | 1.1873% | 582 |
| Net loans and leases to total assets | 35.2600% | 4,217 |
| Net loans and leases to deposits | 35.8775% | 4,331 |
| Net loans and leases to core deposits | 37.2933% | 4,334 |
| Total domestic deposits to total assets | 98.2600% | 15 |
| Equity capital to assets | 0.7448% | 4,657 |
| Core capital (leverage) ratio | 8.7462% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $393,929,500 | 2,065 |
| Average earning assets | $369,852,000 | 2,037 |
| Average equity | $1,457,000 | 4,634 |
| Average total loans | $137,990,500 | 2,816 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2849% | 3,625 |
| Cost of funding earning assets | 0.5008% | 1,387 |
| Net interest margin | 2.7841% | 3,924 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.3720% | 2,508 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4247% | 4,216 |
| Return on assets (ROA) | 0.4174% | 4,188 |
| Pretax return on assets | 0.5439% | 4,110 |
| Return on Equity (ROE) | 13.0000% | 1,815 |
| Retained earnings to average equity (ytd only) | 8.3374% | 1,705 |
| Net charge-offs to loans | -0.0335% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.3781% | 689 |
| Assets per employee ($millions) | 7.1748% | 1,847 |
| Cash dividends to net income (ytd only)* | 35.8911% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 4,238 |
| Loan loss allowance to noncurrent loans | 64.1915% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,404 |
| Noncurrent loans to loans | 1.0563% | 683 |
| Net loans and leases to total assets | 34.3400% | 4,275 |
| Net loans and leases to deposits | 34.6766% | 4,376 |
| Net loans and leases to core deposits | 35.8279% | 4,376 |
| Total domestic deposits to total assets | 99.0200% | 20 |
| Equity capital to assets | -0.0038% | 4,709 |
| Core capital (leverage) ratio | 8.7952% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $387,180,800 | 2,074 |
| Average earning assets | $368,380,600 | 2,033 |
| Average equity | $12,426,000 | 3,626 |
| Average total loans | $122,548,200 | 2,894 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1745% | 3,494 |
| Cost of funding earning assets | 0.4174% | 1,177 |
| Net interest margin | 2.7572% | 3,819 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.9062% | 3,737 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7936% | 3,290 |
| Return on assets (ROA) | 0.7865% | 3,259 |
| Pretax return on assets | 1.0166% | 2,969 |
| Return on Equity (ROE) | 19.5100% | 479 |
| Retained earnings to average equity (ytd only) | 19.5066% | 119 |
| Net charge-offs to loans | -0.0493% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.8270% | 2,435 |
| Assets per employee ($millions) | 6.4286% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 4,310 |
| Loan loss allowance to noncurrent loans | 66.5886% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 1,550 |
| Noncurrent loans to loans | 0.9994% | 779 |
| Net loans and leases to total assets | 34.7500% | 4,280 |
| Net loans and leases to deposits | 35.1175% | 4,391 |
| Net loans and leases to core deposits | 36.1968% | 4,399 |
| Total domestic deposits to total assets | 98.9400% | 33 |
| Equity capital to assets | 0.1517% | 4,715 |
| Core capital (leverage) ratio | 9.2934% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $385,322,750 | 2,100 |
| Average earning assets | $367,707,250 | 2,052 |
| Average equity | $15,536,250 | 3,363 |
| Average total loans | $119,079,750 | 2,937 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 3,628 |
| Cost of funding earning assets | 0.3948% | 948 |
| Net interest margin | 2.5757% | 3,951 |
| Noninterest income to average assets | 0.2911% | 3,424 |
| Noninterest expense to average assets | 1.7859% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7572% | 3,120 |
| Return on assets (ROA) | 0.7487% | 3,101 |
| Pretax return on assets | 0.9668% | 2,841 |
| Return on Equity (ROE) | 14.2818% | 1,047 |
| Retained earnings to average equity (ytd only) | 14.2818% | 331 |
| Net charge-offs to loans | -0.0707% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6276% | 2,692 |
| Assets per employee ($millions) | 6.8171% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6879% | 4,350 |
| Loan loss allowance to noncurrent loans | 58.4692% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 1,540 |
| Noncurrent loans to loans | 1.1766% | 680 |
| Net loans and leases to total assets | 30.6498% | 4,442 |
| Net loans and leases to deposits | 31.5776% | 4,510 |
| Net loans and leases to core deposits | 32.5765% | 4,517 |
| Total domestic deposits to total assets | 97.0618% | 44 |
| Equity capital to assets | 2.2781% | 4,717 |
| Core capital (leverage) ratio | 9.0414% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $391,619,333 | 2,083 |
| Average earning assets | $375,900,333 | 2,043 |
| Average equity | $20,529,667 | 3,017 |
| Average total loans | $116,047,667 | 2,988 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 3,695 |
| Cost of funding earning assets | 0.3867% | 943 |
| Net interest margin | 2.4405% | 4,006 |
| Noninterest income to average assets | 0.2808% | 3,453 |
| Noninterest expense to average assets | 1.7582% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6775% | 3,133 |
| Return on assets (ROA) | 0.6695% | 3,147 |
| Pretax return on assets | 0.8689% | 2,891 |
| Return on Equity (ROE) | 9.9816% | 1,974 |
| Retained earnings to average equity (ytd only) | 9.9816% | 1,026 |
| Net charge-offs to loans | 0.0035% | 1,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 864.0000% | 109 |
| Efficiency ratio | 66.6667% | 2,680 |
| Assets per employee ($millions) | 6.7740% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 4,419 |
| Loan loss allowance to noncurrent loans | 53.5250% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 1,621 |
| Noncurrent loans to loans | 1.2729% | 687 |
| Net loans and leases to total assets | 29.0134% | 4,477 |
| Net loans and leases to deposits | 30.7839% | 4,528 |
| Net loans and leases to core deposits | 31.8132% | 4,541 |
| Total domestic deposits to total assets | 94.2485% | 93 |
| Equity capital to assets | 5.1503% | 4,707 |
| Core capital (leverage) ratio | 9.1621% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,140,500 | 2,080 |
| Average earning assets | $379,593,500 | 2,030 |
| Average equity | $26,368,500 | 2,692 |
| Average total loans | $114,110,000 | 3,013 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7935% | 4,213 |
| Cost of funding earning assets | 0.3691% | 1,767 |
| Net interest margin | 2.4244% | 4,293 |
| Noninterest income to average assets | 0.3277% | 3,451 |
| Noninterest expense to average assets | 1.9274% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5851% | 3,911 |
| Return on assets (ROA) | 0.5824% | 3,955 |
| Pretax return on assets | 0.7528% | 3,831 |
| Return on Equity (ROE) | 6.0524% | 3,765 |
| Retained earnings to average equity (ytd only) | 2.8729% | 3,691 |
| Net charge-offs to loans | 0.0594% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 40.6154% | 1,429 |
| Efficiency ratio | 71.8190% | 1,530 |
| Assets per employee ($millions) | 6.5565% | 2,287 |
| Cash dividends to net income (ytd only)* | 52.5332% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 4,440 |
| Loan loss allowance to noncurrent loans | 46.3905% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 1,525 |
| Noncurrent loans to loans | 1.4897% | 612 |
| Net loans and leases to total assets | 28.6390% | 4,549 |
| Net loans and leases to deposits | 31.3802% | 4,593 |
| Net loans and leases to core deposits | 32.4855% | 4,595 |
| Total domestic deposits to total assets | 91.2646% | 395 |
| Equity capital to assets | 8.2620% | 4,199 |
| Core capital (leverage) ratio | 10.0354% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,078,200 | 2,202 |
| Average earning assets | $339,219,200 | 2,133 |
| Average equity | $33,590,200 | 2,351 |
| Average total loans | $109,512,400 | 3,083 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8403% | 4,248 |
| Cost of funding earning assets | 0.3819% | 1,842 |
| Net interest margin | 2.4583% | 4,334 |
| Noninterest income to average assets | 0.3369% | 3,420 |
| Noninterest expense to average assets | 1.9715% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5842% | 4,033 |
| Return on assets (ROA) | 0.5814% | 4,084 |
| Pretax return on assets | 0.7511% | 3,983 |
| Return on Equity (ROE) | 5.8038% | 3,957 |
| Retained earnings to average equity (ytd only) | 3.7721% | 3,651 |
| Net charge-offs to loans | 0.0074% | 2,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 318.8333% | 420 |
| Efficiency ratio | 72.3195% | 1,374 |
| Assets per employee ($millions) | 5.9463% | 2,746 |
| Cash dividends to net income (ytd only)* | 35.0068% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 4,433 |
| Loan loss allowance to noncurrent loans | 60.2573% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 1,827 |
| Noncurrent loans to loans | 1.2345% | 898 |
| Net loans and leases to total assets | 32.6135% | 4,519 |
| Net loans and leases to deposits | 36.7108% | 4,555 |
| Net loans and leases to core deposits | 38.3474% | 4,565 |
| Total domestic deposits to total assets | 88.8389% | 1,377 |
| Equity capital to assets | 9.8621% | 3,036 |
| Core capital (leverage) ratio | 10.4484% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,000,250 | 2,273 |
| Average earning assets | $328,505,500 | 2,214 |
| Average equity | $33,862,250 | 2,369 |
| Average total loans | $108,528,750 | 3,137 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8276% | 4,313 |
| Cost of funding earning assets | 0.3895% | 1,972 |
| Net interest margin | 2.4381% | 4,386 |
| Noninterest income to average assets | 0.3235% | 3,491 |
| Noninterest expense to average assets | 1.9726% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5574% | 4,081 |
| Return on assets (ROA) | 0.5541% | 4,142 |
| Pretax return on assets | 0.7185% | 4,025 |
| Return on Equity (ROE) | 5.5010% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.9394% | 3,540 |
| Net charge-offs to loans | 0.0037% | 2,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 606.5000% | 224 |
| Efficiency ratio | 73.1874% | 1,320 |
| Assets per employee ($millions) | 5.9749% | 2,638 |
| Cash dividends to net income (ytd only)* | 28.3871% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 4,380 |
| Loan loss allowance to noncurrent loans | 62.2157% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 2,028 |
| Noncurrent loans to loans | 1.2669% | 934 |
| Net loans and leases to total assets | 30.8013% | 4,627 |
| Net loans and leases to deposits | 34.5550% | 4,669 |
| Net loans and leases to core deposits | 36.0192% | 4,672 |
| Total domestic deposits to total assets | 89.1371% | 1,207 |
| Equity capital to assets | 9.6867% | 3,164 |
| Core capital (leverage) ratio | 10.5249% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,705,333 | 2,277 |
| Average earning assets | $326,568,333 | 2,213 |
| Average equity | $33,812,000 | 2,364 |
| Average total loans | $106,931,000 | 3,170 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6498% | 4,526 |
| Cost of funding earning assets | 0.4079% | 2,030 |
| Net interest margin | 2.2420% | 4,578 |
| Noninterest income to average assets | 0.2773% | 3,741 |
| Noninterest expense to average assets | 1.9728% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3783% | 4,398 |
| Return on assets (ROA) | 0.3754% | 4,432 |
| Pretax return on assets | 0.4844% | 4,375 |
| Return on Equity (ROE) | 3.6542% | 4,355 |
| Retained earnings to average equity (ytd only) | 3.1827% | 3,725 |
| Net charge-offs to loans | 0.0225% | 1,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 67.1667% | 770 |
| Efficiency ratio | 80.1673% | 812 |
| Assets per employee ($millions) | 5.6317% | 2,987 |
| Cash dividends to net income (ytd only)* | 12.9032% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 4,400 |
| Loan loss allowance to noncurrent loans | 53.5578% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 1,883 |
| Noncurrent loans to loans | 1.5039% | 835 |
| Net loans and leases to total assets | 31.2454% | 4,658 |
| Net loans and leases to deposits | 35.0155% | 4,704 |
| Net loans and leases to core deposits | 36.5608% | 4,705 |
| Total domestic deposits to total assets | 89.2330% | 1,216 |
| Equity capital to assets | 9.7342% | 2,961 |
| Core capital (leverage) ratio | 10.9490% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,284,500 | 2,285 |
| Average earning assets | $321,683,000 | 2,213 |
| Average equity | $33,933,500 | 2,351 |
| Average total loans | $106,602,000 | 3,178 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0914% | 4,576 |
| Cost of funding earning assets | 0.5858% | 2,409 |
| Net interest margin | 2.5056% | 4,585 |
| Noninterest income to average assets | 0.3429% | 3,411 |
| Noninterest expense to average assets | 2.1750% | 3,740 |
| Loan and lease loss provision to assets | 0.0504% | 3,749 |
| Net operating income to assets | 0.4407% | 4,162 |
| Return on assets (ROA) | 0.4521% | 4,215 |
| Pretax return on assets | 0.5722% | 4,140 |
| Return on Equity (ROE) | 3.7375% | 4,214 |
| Retained earnings to average equity (ytd only) | 1.0365% | 4,215 |
| Net charge-offs to loans | 0.0390% | 2,272 |
| Credit loss provision to net charge-offs | 365.8537% | 1,537 |
| Earnings coverage of net charge-offs (x) | 44.1220% | 1,307 |
| Efficiency ratio | 78.1495% | 1,020 |
| Assets per employee ($millions) | 5.6603% | 2,675 |
| Cash dividends to net income (ytd only)* | 72.2677% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,457 |
| Loan loss allowance to noncurrent loans | 49.8825% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 1,798 |
| Noncurrent loans to loans | 1.5681% | 844 |
| Net loans and leases to total assets | 32.8033% | 4,686 |
| Net loans and leases to deposits | 37.1974% | 4,714 |
| Net loans and leases to core deposits | 38.9899% | 4,722 |
| Total domestic deposits to total assets | 88.1872% | 1,382 |
| Equity capital to assets | 10.8204% | 2,413 |
| Core capital (leverage) ratio | 10.9241% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,474,200 | 2,299 |
| Average earning assets | $289,709,800 | 2,227 |
| Average equity | $35,986,600 | 2,174 |
| Average total loans | $104,998,200 | 3,166 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2702% | 4,516 |
| Cost of funding earning assets | 0.6411% | 2,373 |
| Net interest margin | 2.6291% | 4,545 |
| Noninterest income to average assets | 0.3506% | 3,362 |
| Noninterest expense to average assets | 2.2146% | 3,648 |
| Loan and lease loss provision to assets | 0.0921% | 3,163 |
| Net operating income to assets | 0.4740% | 4,105 |
| Return on assets (ROA) | 0.4900% | 4,143 |
| Pretax return on assets | 0.6249% | 4,062 |
| Return on Equity (ROE) | 3.9331% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.2639% | 3,839 |
| Net charge-offs to loans | -0.0064% | 4,111 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0708% | 1,199 |
| Assets per employee ($millions) | 5.0888% | 3,129 |
| Cash dividends to net income (ytd only)* | 42.4413% | 1,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,135 |
| Loan loss allowance to noncurrent loans | 50.1060% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 1,673 |
| Noncurrent loans to loans | 1.7519% | 769 |
| Net loans and leases to total assets | 36.7898% | 4,651 |
| Net loans and leases to deposits | 42.6054% | 4,689 |
| Net loans and leases to core deposits | 44.8898% | 4,687 |
| Total domestic deposits to total assets | 86.3500% | 1,916 |
| Equity capital to assets | 12.4737% | 1,441 |
| Core capital (leverage) ratio | 12.2918% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7084% | 245 |
| Memoranda: | ||
| Average total assets | $289,768,750 | 2,324 |
| Average earning assets | $282,222,500 | 2,260 |
| Average equity | $36,102,500 | 2,160 |
| Average total loans | $104,112,500 | 3,184 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 4,534 |
| Cost of funding earning assets | 0.6876% | 2,463 |
| Net interest margin | 2.7169% | 4,540 |
| Noninterest income to average assets | 0.3300% | 3,496 |
| Noninterest expense to average assets | 2.1949% | 3,803 |
| Loan and lease loss provision to assets | 0.1381% | 2,639 |
| Net operating income to assets | 0.4970% | 4,029 |
| Return on assets (ROA) | 0.5227% | 4,035 |
| Pretax return on assets | 0.6732% | 3,923 |
| Return on Equity (ROE) | 4.1967% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.3540% | 3,250 |
| Net charge-offs to loans | -0.0058% | 4,054 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8101% | 1,482 |
| Assets per employee ($millions) | 5.1999% | 2,930 |
| Cash dividends to net income (ytd only)* | 20.0793% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 4,020 |
| Loan loss allowance to noncurrent loans | 52.2413% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 1,835 |
| Noncurrent loans to loans | 1.7134% | 840 |
| Net loans and leases to total assets | 35.2622% | 4,743 |
| Net loans and leases to deposits | 40.8226% | 4,774 |
| Net loans and leases to core deposits | 42.7890% | 4,779 |
| Total domestic deposits to total assets | 86.3791% | 1,854 |
| Equity capital to assets | 12.3537% | 1,452 |
| Core capital (leverage) ratio | 12.2997% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7930% | 132 |
| Memoranda: | ||
| Average total assets | $289,672,000 | 2,315 |
| Average earning assets | $281,869,000 | 2,234 |
| Average equity | $36,076,333 | 2,154 |
| Average total loans | $102,931,000 | 3,191 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 4,624 |
| Cost of funding earning assets | 0.7671% | 2,561 |
| Net interest margin | 2.7381% | 4,632 |
| Noninterest income to average assets | 0.3395% | 3,487 |
| Noninterest expense to average assets | 2.1990% | 4,006 |
| Loan and lease loss provision to assets | 0.1397% | 1,992 |
| Net operating income to assets | 0.5118% | 3,864 |
| Return on assets (ROA) | 0.5295% | 3,874 |
| Pretax return on assets | 0.6860% | 3,729 |
| Return on Equity (ROE) | 4.2339% | 3,890 |
| Retained earnings to average equity (ytd only) | 2.5359% | 3,255 |
| Net charge-offs to loans | 0.0354% | 1,705 |
| Credit loss provision to net charge-offs | 1,111.1111% | 529 |
| Earnings coverage of net charge-offs (x) | 63.8889% | 776 |
| Efficiency ratio | 73.2434% | 1,910 |
| Assets per employee ($millions) | 5.2348% | 2,387 |
| Cash dividends to net income (ytd only)* | 40.1055% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,364 |
| Loan loss allowance to noncurrent loans | 46.3211% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 1,986 |
| Noncurrent loans to loans | 1.7662% | 851 |
| Net loans and leases to total assets | 34.9910% | 4,815 |
| Net loans and leases to deposits | 40.8097% | 4,825 |
| Net loans and leases to core deposits | 42.6614% | 4,828 |
| Total domestic deposits to total assets | 85.7419% | 2,109 |
| Equity capital to assets | 12.9997% | 1,430 |
| Core capital (leverage) ratio | 12.4279% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0310% | 115 |
| Memoranda: | ||
| Average total assets | $286,309,500 | 2,284 |
| Average earning assets | $278,438,000 | 2,206 |
| Average equity | $35,806,500 | 2,151 |
| Average total loans | $101,666,500 | 3,200 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6814% | 4,696 |
| Cost of funding earning assets | 0.7466% | 2,935 |
| Net interest margin | 2.9348% | 4,613 |
| Noninterest income to average assets | 0.3713% | 3,477 |
| Noninterest expense to average assets | 2.2872% | 3,971 |
| Loan and lease loss provision to assets | 0.0366% | 3,278 |
| Net operating income to assets | 0.6916% | 3,890 |
| Return on assets (ROA) | 0.7089% | 3,908 |
| Pretax return on assets | 0.9140% | 3,693 |
| Return on Equity (ROE) | 5.9006% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.9869% | 3,537 |
| Net charge-offs to loans | 0.2820% | 742 |
| Credit loss provision to net charge-offs | 36.1011% | 3,233 |
| Earnings coverage of net charge-offs (x) | 9.1552% | 2,695 |
| Efficiency ratio | 71.1228% | 2,004 |
| Assets per employee ($millions) | 4.9948% | 2,608 |
| Cash dividends to net income (ytd only)* | 49.3802% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,514 |
| Loan loss allowance to noncurrent loans | 35.2046% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 1,664 |
| Noncurrent loans to loans | 2.0657% | 612 |
| Net loans and leases to total assets | 35.4816% | 4,852 |
| Net loans and leases to deposits | 40.8485% | 4,890 |
| Net loans and leases to core deposits | 42.6677% | 4,895 |
| Total domestic deposits to total assets | 86.8615% | 1,677 |
| Equity capital to assets | 12.0072% | 2,132 |
| Core capital (leverage) ratio | 13.2216% | 1,146 |
| Tier 1 risk-based capital ratio | 41.8884% | 216 |
| Total risk-based capital ratio | 42.7726% | 220 |
| Memoranda: | ||
| Average total assets | $273,080,200 | 2,312 |
| Average earning assets | $264,684,200 | 2,248 |
| Average equity | $32,810,200 | 2,251 |
| Average total loans | $98,211,800 | 3,251 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 4,662 |
| Cost of funding earning assets | 0.7522% | 2,958 |
| Net interest margin | 3.0595% | 4,541 |
| Noninterest income to average assets | 0.3780% | 3,449 |
| Noninterest expense to average assets | 2.3027% | 3,941 |
| Loan and lease loss provision to assets | 0.0247% | 3,400 |
| Net operating income to assets | 0.7908% | 3,701 |
| Return on assets (ROA) | 0.7955% | 3,763 |
| Pretax return on assets | 1.0215% | 3,520 |
| Return on Equity (ROE) | 6.6200% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.3223% | 2,722 |
| Net charge-offs to loans | 0.2397% | 744 |
| Credit loss provision to net charge-offs | 28.5714% | 2,922 |
| Earnings coverage of net charge-offs (x) | 12.0456% | 2,392 |
| Efficiency ratio | 68.8810% | 2,276 |
| Assets per employee ($millions) | 4.5292% | 3,152 |
| Cash dividends to net income (ytd only)* | 19.6028% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 4,458 |
| Loan loss allowance to noncurrent loans | 28.9416% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 1,188 |
| Noncurrent loans to loans | 2.7035% | 400 |
| Net loans and leases to total assets | 38.9511% | 4,851 |
| Net loans and leases to deposits | 45.5347% | 4,882 |
| Net loans and leases to core deposits | 47.6077% | 4,883 |
| Total domestic deposits to total assets | 85.5414% | 2,189 |
| Equity capital to assets | 13.3554% | 1,431 |
| Core capital (leverage) ratio | 13.3359% | 1,199 |
| Tier 1 risk-based capital ratio | 42.8049% | 202 |
| Total risk-based capital ratio | 43.7649% | 204 |
| Memoranda: | ||
| Average total assets | $270,174,000 | 2,346 |
| Average earning assets | $261,819,750 | 2,278 |
| Average equity | $32,466,500 | 2,285 |
| Average total loans | $97,325,250 | 3,301 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8259% | 4,681 |
| Cost of funding earning assets | 0.7322% | 2,984 |
| Net interest margin | 3.0937% | 4,546 |
| Noninterest income to average assets | 0.3560% | 3,550 |
| Noninterest expense to average assets | 2.2832% | 4,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8323% | 3,532 |
| Return on assets (ROA) | 0.8323% | 3,594 |
| Pretax return on assets | 1.0716% | 3,318 |
| Return on Equity (ROE) | 7.1771% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.1894% | 2,674 |
| Net charge-offs to loans | 0.1250% | 1,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 24.4833% | 1,624 |
| Efficiency ratio | 68.0583% | 2,525 |
| Assets per employee ($millions) | 4.7717% | 2,779 |
| Cash dividends to net income (ytd only)* | 27.6950% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 4,183 |
| Loan loss allowance to noncurrent loans | 28.3168% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 1,086 |
| Noncurrent loans to loans | 3.0863% | 319 |
| Net loans and leases to total assets | 35.7804% | 4,984 |
| Net loans and leases to deposits | 41.3208% | 5,019 |
| Net loans and leases to core deposits | 42.9770% | 5,023 |
| Total domestic deposits to total assets | 86.5916% | 1,776 |
| Equity capital to assets | 12.2969% | 1,990 |
| Core capital (leverage) ratio | 12.8004% | 1,401 |
| Tier 1 risk-based capital ratio | 42.9897% | 195 |
| Total risk-based capital ratio | 44.0472% | 193 |
| Memoranda: | ||
| Average total assets | $274,177,000 | 2,333 |
| Average earning assets | $265,767,670 | 2,263 |
| Average equity | $31,795,670 | 2,315 |
| Average total loans | $95,983,330 | 3,341 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8463% | 4,632 |
| Cost of funding earning assets | 0.7021% | 3,044 |
| Net interest margin | 3.1443% | 4,507 |
| Noninterest income to average assets | 0.3357% | 3,617 |
| Noninterest expense to average assets | 2.2552% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8777% | 3,321 |
| Return on assets (ROA) | 0.8777% | 3,370 |
| Pretax return on assets | 1.1262% | 3,063 |
| Return on Equity (ROE) | 7.8010% | 3,341 |
| Retained earnings to average equity (ytd only) | 3.7197% | 3,435 |
| Net charge-offs to loans | 0.1307% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,441 |
| Efficiency ratio | 66.6953% | 2,835 |
| Assets per employee ($millions) | 5.0544% | 2,456 |
| Cash dividends to net income (ytd only)* | 52.3179% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9283% | 4,042 |
| Loan loss allowance to noncurrent loans | 31.4316% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 1,261 |
| Noncurrent loans to loans | 2.9534% | 377 |
| Net loans and leases to total assets | 34.0531% | 5,072 |
| Net loans and leases to deposits | 38.9942% | 5,094 |
| Net loans and leases to core deposits | 40.4211% | 5,103 |
| Total domestic deposits to total assets | 87.3288% | 1,652 |
| Equity capital to assets | 11.5280% | 2,374 |
| Core capital (leverage) ratio | 12.4949% | 1,522 |
| Tier 1 risk-based capital ratio | 43.2719% | 180 |
| Total risk-based capital ratio | 44.3897% | 180 |
| Memoranda: | ||
| Average total assets | $275,272,000 | 2,340 |
| Average earning assets | $266,644,500 | 2,263 |
| Average equity | $30,970,500 | 2,360 |
| Average total loans | $94,887,000 | 3,390 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 4,525 |
| Cost of funding earning assets | 0.4724% | 3,535 |
| Net interest margin | 3.3113% | 4,220 |
| Noninterest income to average assets | 0.3586% | 3,693 |
| Noninterest expense to average assets | 2.3440% | 4,013 |
| Loan and lease loss provision to assets | 0.0193% | 3,779 |
| Net operating income to assets | 0.9210% | 3,363 |
| Return on assets (ROA) | 0.9042% | 3,415 |
| Pretax return on assets | 1.1687% | 3,022 |
| Return on Equity (ROE) | 8.0310% | 3,424 |
| Retained earnings to average equity (ytd only) | 5.4419% | 2,508 |
| Net charge-offs to loans | 0.1414% | 1,341 |
| Credit loss provision to net charge-offs | 37.8788% | 3,299 |
| Earnings coverage of net charge-offs (x) | 23.7576% | 1,838 |
| Efficiency ratio | 65.9685% | 2,881 |
| Assets per employee ($millions) | 4.9555% | 2,560 |
| Cash dividends to net income (ytd only)* | 32.2388% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9743% | 3,844 |
| Loan loss allowance to noncurrent loans | 33.8246% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0959% | 1,228 |
| Noncurrent loans to loans | 2.8804% | 368 |
| Net loans and leases to total assets | 34.2335% | 5,115 |
| Net loans and leases to deposits | 38.7269% | 5,141 |
| Net loans and leases to core deposits | 40.2027% | 5,159 |
| Total domestic deposits to total assets | 88.3971% | 1,120 |
| Equity capital to assets | 10.9682% | 2,720 |
| Core capital (leverage) ratio | 13.4094% | 1,102 |
| Tier 1 risk-based capital ratio | 43.6915% | 187 |
| Total risk-based capital ratio | 44.8697% | 186 |
| Memoranda: | ||
| Average total assets | $259,340,200 | 2,407 |
| Average earning assets | $250,205,000 | 2,333 |
| Average equity | $29,199,400 | 2,381 |
| Average total loans | $93,363,600 | 3,416 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 4,313 |
| Cost of funding earning assets | 0.4639% | 3,432 |
| Net interest margin | 3.3903% | 4,031 |
| Noninterest income to average assets | 0.3551% | 3,756 |
| Noninterest expense to average assets | 2.3548% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9844% | 3,154 |
| Return on assets (ROA) | 0.9618% | 3,267 |
| Pretax return on assets | 1.2409% | 2,843 |
| Return on Equity (ROE) | 8.4842% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.9514% | 1,677 |
| Net charge-offs to loans | 0.1703% | 972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 20.4878% | 1,957 |
| Efficiency ratio | 64.9713% | 3,038 |
| Assets per employee ($millions) | 4.4321% | 3,226 |
| Cash dividends to net income (ytd only)* | 6.2803% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 4,164 |
| Loan loss allowance to noncurrent loans | 30.9884% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.2783% | 1,077 |
| Noncurrent loans to loans | 2.9829% | 368 |
| Net loans and leases to total assets | 38.7376% | 5,062 |
| Net loans and leases to deposits | 44.3686% | 5,104 |
| Net loans and leases to core deposits | 46.1013% | 5,108 |
| Total domestic deposits to total assets | 87.3086% | 1,592 |
| Equity capital to assets | 11.7659% | 2,059 |
| Core capital (leverage) ratio | 13.4182% | 1,133 |
| Tier 1 risk-based capital ratio | 42.9046% | 194 |
| Total risk-based capital ratio | 44.0101% | 188 |
| Memoranda: | ||
| Average total assets | $256,037,250 | 2,450 |
| Average earning assets | $246,891,000 | 2,371 |
| Average equity | $29,025,750 | 2,401 |
| Average total loans | $93,149,000 | 3,445 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7715% | 4,411 |
| Cost of funding earning assets | 0.4555% | 3,317 |
| Net interest margin | 3.3160% | 4,205 |
| Noninterest income to average assets | 0.3960% | 3,517 |
| Noninterest expense to average assets | 2.3058% | 4,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0057% | 2,990 |
| Return on assets (ROA) | 1.0057% | 2,991 |
| Pretax return on assets | 1.2917% | 2,547 |
| Return on Equity (ROE) | 8.9771% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.1810% | 1,546 |
| Net charge-offs to loans | 0.2337% | 684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.5556% | 2,037 |
| Efficiency ratio | 64.0949% | 3,307 |
| Assets per employee ($millions) | 4.5574% | 3,037 |
| Cash dividends to net income (ytd only)* | 8.8685% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,020 |
| Loan loss allowance to noncurrent loans | 30.8864% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 1,102 |
| Noncurrent loans to loans | 3.1338% | 344 |
| Net loans and leases to total assets | 35.7602% | 5,188 |
| Net loans and leases to deposits | 40.6645% | 5,228 |
| Net loans and leases to core deposits | 42.1361% | 5,239 |
| Total domestic deposits to total assets | 87.9395% | 1,415 |
| Equity capital to assets | 11.3524% | 2,310 |
| Core capital (leverage) ratio | 12.9015% | 1,269 |
| Tier 1 risk-based capital ratio | 44.8745% | 174 |
| Total risk-based capital ratio | 46.0639% | 174 |
| Memoranda: | ||
| Average total assets | $260,128,670 | 2,422 |
| Average earning assets | $251,147,000 | 2,349 |
| Average equity | $29,140,670 | 2,406 |
| Average total loans | $92,429,000 | 3,471 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 4,612 |
| Cost of funding earning assets | 0.4570% | 3,149 |
| Net interest margin | 3.1867% | 4,515 |
| Noninterest income to average assets | 0.3793% | 3,594 |
| Noninterest expense to average assets | 2.3109% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8927% | 3,327 |
| Return on assets (ROA) | 0.8927% | 3,338 |
| Pretax return on assets | 1.1486% | 2,970 |
| Return on Equity (ROE) | 8.0207% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.4330% | 2,537 |
| Net charge-offs to loans | 0.3587% | 434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.0843% | 1,993 |
| Efficiency ratio | 66.7988% | 3,033 |
| Assets per employee ($millions) | 4.7584% | 2,784 |
| Cash dividends to net income (ytd only)* | 19.7952% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,934 |
| Loan loss allowance to noncurrent loans | 31.1481% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2904% | 1,148 |
| Noncurrent loans to loans | 3.2217% | 347 |
| Net loans and leases to total assets | 34.5660% | 5,254 |
| Net loans and leases to deposits | 39.0933% | 5,289 |
| Net loans and leases to core deposits | 40.4161% | 5,298 |
| Total domestic deposits to total assets | 88.4193% | 1,398 |
| Equity capital to assets | 10.8841% | 2,696 |
| Core capital (leverage) ratio | 12.4868% | 1,398 |
| Tier 1 risk-based capital ratio | 33.5592% | 356 |
| Total risk-based capital ratio | 34.4937% | 357 |
| Memoranda: | ||
| Average total assets | $262,586,000 | 2,423 |
| Average earning assets | $253,803,000 | 2,343 |
| Average equity | $29,224,500 | 2,420 |
| Average total loans | $92,565,000 | 3,492 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,345 |
| Cost of funding earning assets | 0.3849% | 3,383 |
| Net interest margin | 3.3115% | 4,120 |
| Noninterest income to average assets | 0.3895% | 3,706 |
| Noninterest expense to average assets | 2.4365% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6347% | 3,871 |
| Return on assets (ROA) | 0.6484% | 3,863 |
| Pretax return on assets | 1.1665% | 2,914 |
| Return on Equity (ROE) | 5.2700% | 4,059 |
| Retained earnings to average equity (ytd only) | 3.3391% | 3,299 |
| Net charge-offs to loans | 0.2569% | 1,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.5537% | 2,562 |
| Efficiency ratio | 68.0274% | 2,890 |
| Assets per employee ($millions) | 4.7902% | 2,745 |
| Cash dividends to net income (ytd only)* | 36.6393% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 3,515 |
| Loan loss allowance to noncurrent loans | 36.1925% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,157 |
| Noncurrent loans to loans | 2.9472% | 383 |
| Net loans and leases to total assets | 35.2045% | 5,310 |
| Net loans and leases to deposits | 40.1161% | 5,339 |
| Net loans and leases to core deposits | 41.4447% | 5,347 |
| Total domestic deposits to total assets | 87.7564% | 1,625 |
| Equity capital to assets | 11.3732% | 2,305 |
| Core capital (leverage) ratio | 13.1909% | 1,078 |
| Tier 1 risk-based capital ratio | 32.4353% | 382 |
| Total risk-based capital ratio | 33.4342% | 386 |
| Memoranda: | ||
| Average total assets | $244,158,000 | 2,536 |
| Average earning assets | $235,364,800 | 2,456 |
| Average equity | $30,037,800 | 2,354 |
| Average total loans | $94,216,000 | 3,446 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,092 |
| Cost of funding earning assets | 0.3778% | 3,394 |
| Net interest margin | 3.3950% | 3,860 |
| Noninterest income to average assets | 0.4011% | 3,677 |
| Noninterest expense to average assets | 2.4891% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7934% | 3,545 |
| Return on assets (ROA) | 0.8128% | 3,513 |
| Pretax return on assets | 1.2100% | 2,860 |
| Return on Equity (ROE) | 6.4721% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.4721% | 1,972 |
| Net charge-offs to loans | 0.2276% | 951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.1678% | 2,367 |
| Efficiency ratio | 67.8203% | 2,906 |
| Assets per employee ($millions) | 4.2292% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,325 |
| Loan loss allowance to noncurrent loans | 38.4424% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 1,109 |
| Noncurrent loans to loans | 2.9336% | 449 |
| Net loans and leases to total assets | 40.7438% | 5,168 |
| Net loans and leases to deposits | 47.7282% | 5,194 |
| Net loans and leases to core deposits | 49.7540% | 5,205 |
| Total domestic deposits to total assets | 85.3663% | 2,573 |
| Equity capital to assets | 13.4682% | 1,176 |
| Core capital (leverage) ratio | 13.7053% | 966 |
| Tier 1 risk-based capital ratio | 33.4830% | 366 |
| Total risk-based capital ratio | 34.5934% | 363 |
| Memoranda: | ||
| Average total assets | $239,332,250 | 2,589 |
| Average earning assets | $230,449,750 | 2,512 |
| Average equity | $30,056,250 | 2,372 |
| Average total loans | $94,332,500 | 3,474 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,152 |
| Cost of funding earning assets | 0.3758% | 3,329 |
| Net interest margin | 3.3475% | 3,957 |
| Noninterest income to average assets | 0.3924% | 3,735 |
| Noninterest expense to average assets | 2.4556% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7898% | 3,446 |
| Return on assets (ROA) | 0.7898% | 3,501 |
| Pretax return on assets | 1.1599% | 2,937 |
| Return on Equity (ROE) | 6.4389% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.4389% | 1,881 |
| Net charge-offs to loans | 0.1961% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.2283% | 2,034 |
| Efficiency ratio | 67.9185% | 3,027 |
| Assets per employee ($millions) | 4.2513% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,970 |
| Loan loss allowance to noncurrent loans | 48.6876% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2409% | 1,357 |
| Noncurrent loans to loans | 2.4802% | 608 |
| Net loans and leases to total assets | 38.8262% | 5,268 |
| Net loans and leases to deposits | 45.1172% | 5,307 |
| Net loans and leases to core deposits | 46.9343% | 5,319 |
| Total domestic deposits to total assets | 86.0564% | 2,356 |
| Equity capital to assets | 12.7980% | 1,470 |
| Core capital (leverage) ratio | 13.2416% | 1,083 |
| Tier 1 risk-based capital ratio | 31.2702% | 427 |
| Total risk-based capital ratio | 32.3908% | 426 |
| Memoranda: | ||
| Average total assets | $241,574,000 | 2,583 |
| Average earning assets | $232,588,330 | 2,502 |
| Average equity | $29,632,330 | 2,397 |
| Average total loans | $93,825,330 | 3,502 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,356 |
| Cost of funding earning assets | 0.3760% | 3,242 |
| Net interest margin | 3.2474% | 4,196 |
| Noninterest income to average assets | 0.4013% | 3,654 |
| Noninterest expense to average assets | 2.4677% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7148% | 3,642 |
| Return on assets (ROA) | 0.7148% | 3,680 |
| Pretax return on assets | 1.0564% | 3,151 |
| Return on Equity (ROE) | 5.9567% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.9567% | 2,365 |
| Net charge-offs to loans | 0.2620% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 10.4426% | 1,938 |
| Efficiency ratio | 70.0235% | 2,886 |
| Assets per employee ($millions) | 4.2670% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,700 |
| Loan loss allowance to noncurrent loans | 46.0070% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.3502% | 1,247 |
| Noncurrent loans to loans | 2.7558% | 530 |
| Net loans and leases to total assets | 37.8127% | 5,335 |
| Net loans and leases to deposits | 43.5620% | 5,371 |
| Net loans and leases to core deposits | 45.2915% | 5,379 |
| Total domestic deposits to total assets | 86.8021% | 2,309 |
| Equity capital to assets | 12.1503% | 1,738 |
| Core capital (leverage) ratio | 13.0699% | 1,119 |
| Tier 1 risk-based capital ratio | 32.1323% | 409 |
| Total risk-based capital ratio | 33.3344% | 404 |
| Memoranda: | ||
| Average total assets | $241,198,000 | 2,601 |
| Average earning assets | $231,942,000 | 2,535 |
| Average equity | $28,942,000 | 2,444 |
| Average total loans | $93,120,000 | 3,534 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 4,586 |
| Cost of funding earning assets | 0.3772% | 3,236 |
| Net interest margin | 3.1951% | 4,468 |
| Noninterest income to average assets | 0.3833% | 4,010 |
| Noninterest expense to average assets | 2.4821% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6599% | 3,952 |
| Return on assets (ROA) | 0.6876% | 3,950 |
| Pretax return on assets | 1.0253% | 3,382 |
| Return on Equity (ROE) | 5.2221% | 4,320 |
| Retained earnings to average equity (ytd only) | -2.6095% | 5,567 |
| Net charge-offs to loans | -0.0043% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6132% | 2,650 |
| Assets per employee ($millions) | 4.2710% | 3,488 |
| Cash dividends to net income (ytd only)* | 149.9693% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,358 |
| Loan loss allowance to noncurrent loans | 57.5996% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 1,589 |
| Noncurrent loans to loans | 2.3182% | 710 |
| Net loans and leases to total assets | 38.4018% | 5,387 |
| Net loans and leases to deposits | 44.1170% | 5,428 |
| Net loans and leases to core deposits | 45.7987% | 5,440 |
| Total domestic deposits to total assets | 87.0455% | 2,120 |
| Equity capital to assets | 11.8457% | 1,910 |
| Core capital (leverage) ratio | 13.4532% | 989 |
| Tier 1 risk-based capital ratio | 31.8402% | 416 |
| Total risk-based capital ratio | 33.0896% | 409 |
| Memoranda: | ||
| Average total assets | $236,615,000 | 2,609 |
| Average earning assets | $228,290,600 | 2,531 |
| Average equity | $31,155,800 | 2,281 |
| Average total loans | $92,292,400 | 3,528 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,375 |
| Cost of funding earning assets | 0.3859% | 3,165 |
| Net interest margin | 3.2720% | 4,275 |
| Noninterest income to average assets | 0.3786% | 4,075 |
| Noninterest expense to average assets | 2.5030% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6839% | 3,940 |
| Return on assets (ROA) | 0.7204% | 3,874 |
| Pretax return on assets | 1.0927% | 3,263 |
| Return on Equity (ROE) | 5.3354% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3354% | 2,594 |
| Net charge-offs to loans | -0.0724% | 5,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6990% | 2,793 |
| Assets per employee ($millions) | 4.0418% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4063% | 2,171 |
| Loan loss allowance to noncurrent loans | 64.6586% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 1,852 |
| Noncurrent loans to loans | 2.1750% | 867 |
| Net loans and leases to total assets | 39.1946% | 5,423 |
| Net loans and leases to deposits | 46.5936% | 5,433 |
| Net loans and leases to core deposits | 48.5105% | 5,439 |
| Total domestic deposits to total assets | 84.1202% | 3,178 |
| Equity capital to assets | 14.4587% | 886 |
| Core capital (leverage) ratio | 14.2942% | 775 |
| Tier 1 risk-based capital ratio | 34.4011% | 348 |
| Total risk-based capital ratio | 35.6525% | 346 |
| Memoranda: | ||
| Average total assets | $235,974,750 | 2,620 |
| Average earning assets | $228,032,750 | 2,540 |
| Average equity | $31,861,750 | 2,251 |
| Average total loans | $92,092,750 | 3,548 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,382 |
| Cost of funding earning assets | 0.3927% | 3,123 |
| Net interest margin | 3.2783% | 4,296 |
| Noninterest income to average assets | 0.3784% | 4,037 |
| Noninterest expense to average assets | 2.4840% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6944% | 3,817 |
| Return on assets (ROA) | 0.7408% | 3,758 |
| Pretax return on assets | 1.1319% | 3,081 |
| Return on Equity (ROE) | 5.6152% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.6152% | 2,353 |
| Net charge-offs to loans | -0.1062% | 5,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0830% | 2,971 |
| Assets per employee ($millions) | 4.1976% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 2,246 |
| Loan loss allowance to noncurrent loans | 63.9980% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.1088% | 1,909 |
| Noncurrent loans to loans | 2.2034% | 855 |
| Net loans and leases to total assets | 37.6082% | 5,534 |
| Net loans and leases to deposits | 44.1403% | 5,560 |
| Net loans and leases to core deposits | 45.9916% | 5,566 |
| Total domestic deposits to total assets | 85.2017% | 2,782 |
| Equity capital to assets | 13.4855% | 1,245 |
| Core capital (leverage) ratio | 13.9144% | 849 |
| Tier 1 risk-based capital ratio | 32.9666% | 384 |
| Total risk-based capital ratio | 34.2163% | 379 |
| Memoranda: | ||
| Average total assets | $237,839,330 | 2,616 |
| Average earning assets | $229,690,670 | 2,539 |
| Average equity | $31,379,000 | 2,282 |
| Average total loans | $92,262,000 | 3,561 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 4,607 |
| Cost of funding earning assets | 0.4020% | 3,042 |
| Net interest margin | 3.1999% | 4,578 |
| Noninterest income to average assets | 0.3998% | 3,836 |
| Noninterest expense to average assets | 2.4797% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6605% | 3,928 |
| Return on assets (ROA) | 0.6747% | 3,968 |
| Pretax return on assets | 1.0307% | 3,359 |
| Return on Equity (ROE) | 5.1721% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.1721% | 2,834 |
| Net charge-offs to loans | -0.0604% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0832% | 2,944 |
| Assets per employee ($millions) | 4.2192% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 2,637 |
| Loan loss allowance to noncurrent loans | 55.7187% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 1,792 |
| Noncurrent loans to loans | 2.4291% | 791 |
| Net loans and leases to total assets | 37.9435% | 5,560 |
| Net loans and leases to deposits | 44.2834% | 5,579 |
| Net loans and leases to core deposits | 46.2772% | 5,576 |
| Total domestic deposits to total assets | 85.6834% | 2,818 |
| Equity capital to assets | 13.1270% | 1,354 |
| Core capital (leverage) ratio | 13.7147% | 900 |
| Tier 1 risk-based capital ratio | 32.5387% | 410 |
| Total risk-based capital ratio | 33.7884% | 401 |
| Memoranda: | ||
| Average total assets | $237,127,000 | 2,635 |
| Average earning assets | $228,879,500 | 2,561 |
| Average equity | $30,935,500 | 2,309 |
| Average total loans | $92,758,000 | 3,559 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 4,383 |
| Cost of funding earning assets | 0.4266% | 2,874 |
| Net interest margin | 3.2677% | 4,412 |
| Noninterest income to average assets | 0.3925% | 4,090 |
| Noninterest expense to average assets | 2.4699% | 4,323 |
| Loan and lease loss provision to assets | 0.0256% | 3,877 |
| Net operating income to assets | 0.7186% | 3,715 |
| Return on assets (ROA) | 0.7563% | 3,639 |
| Pretax return on assets | 1.1053% | 3,027 |
| Return on Equity (ROE) | 5.8485% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.5790% | 3,511 |
| Net charge-offs to loans | 0.5012% | 528 |
| Credit loss provision to net charge-offs | 12.7660% | 3,806 |
| Earnings coverage of net charge-offs (x) | 5.3638% | 3,405 |
| Efficiency ratio | 69.6667% | 3,275 |
| Assets per employee ($millions) | 4.1010% | 3,758 |
| Cash dividends to net income (ytd only)* | 38.8043% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3321% | 2,747 |
| Loan loss allowance to noncurrent loans | 46.4393% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 1,441 |
| Noncurrent loans to loans | 2.8685% | 583 |
| Net loans and leases to total assets | 39.2596% | 5,554 |
| Net loans and leases to deposits | 45.7132% | 5,581 |
| Net loans and leases to core deposits | 47.8273% | 5,572 |
| Total domestic deposits to total assets | 85.8823% | 2,690 |
| Equity capital to assets | 12.9626% | 1,369 |
| Core capital (leverage) ratio | 14.0621% | 801 |
| Tier 1 risk-based capital ratio | 32.5652% | 411 |
| Total risk-based capital ratio | 33.8152% | 400 |
| Memoranda: | ||
| Average total assets | $234,422,200 | 2,629 |
| Average earning assets | $226,180,800 | 2,537 |
| Average equity | $30,315,600 | 2,299 |
| Average total loans | $93,778,200 | 3,510 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,329 |
| Cost of funding earning assets | 0.4421% | 2,771 |
| Net interest margin | 3.2871% | 4,404 |
| Noninterest income to average assets | 0.3933% | 4,128 |
| Noninterest expense to average assets | 2.4752% | 4,269 |
| Loan and lease loss provision to assets | 0.0085% | 4,091 |
| Net operating income to assets | 0.7254% | 3,784 |
| Return on assets (ROA) | 0.7605% | 3,728 |
| Pretax return on assets | 1.1356% | 3,069 |
| Return on Equity (ROE) | 5.8839% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.4969% | 2,581 |
| Net charge-offs to loans | 0.4739% | 525 |
| Credit loss provision to net charge-offs | 4.4910% | 3,494 |
| Earnings coverage of net charge-offs (x) | 5.7515% | 3,159 |
| Efficiency ratio | 69.3913% | 3,314 |
| Assets per employee ($millions) | 4.0282% | 3,833 |
| Cash dividends to net income (ytd only)* | 6.5769% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 2,580 |
| Loan loss allowance to noncurrent loans | 57.2598% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.2256% | 1,926 |
| Noncurrent loans to loans | 2.4513% | 836 |
| Net loans and leases to total assets | 40.6585% | 5,559 |
| Net loans and leases to deposits | 48.7399% | 5,523 |
| Net loans and leases to core deposits | 51.1117% | 5,540 |
| Total domestic deposits to total assets | 83.4194% | 3,646 |
| Equity capital to assets | 13.5254% | 1,215 |
| Core capital (leverage) ratio | 13.8332% | 903 |
| Tier 1 risk-based capital ratio | 32.5885% | 429 |
| Total risk-based capital ratio | 33.8401% | 422 |
| Memoranda: | ||
| Average total assets | $234,588,500 | 2,641 |
| Average earning assets | $226,495,000 | 2,555 |
| Average equity | $30,319,250 | 2,313 |
| Average total loans | $93,970,000 | 3,533 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,408 |
| Cost of funding earning assets | 0.4494% | 2,733 |
| Net interest margin | 3.2510% | 4,497 |
| Noninterest income to average assets | 0.3911% | 4,146 |
| Noninterest expense to average assets | 2.4669% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7063% | 3,860 |
| Return on assets (ROA) | 0.7585% | 3,701 |
| Pretax return on assets | 1.1378% | 3,015 |
| Return on Equity (ROE) | 5.9586% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.3734% | 2,622 |
| Net charge-offs to loans | 0.2987% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9429% | 2,508 |
| Efficiency ratio | 69.9472% | 3,340 |
| Assets per employee ($millions) | 4.0126% | 3,857 |
| Cash dividends to net income (ytd only)* | 9.8214% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 1,937 |
| Loan loss allowance to noncurrent loans | 63.6824% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 1,867 |
| Noncurrent loans to loans | 2.4991% | 894 |
| Net loans and leases to total assets | 40.0659% | 5,626 |
| Net loans and leases to deposits | 46.5016% | 5,651 |
| Net loans and leases to core deposits | 48.5439% | 5,679 |
| Total domestic deposits to total assets | 86.1603% | 2,602 |
| Equity capital to assets | 12.6052% | 1,602 |
| Core capital (leverage) ratio | 12.7238% | 1,287 |
| Tier 1 risk-based capital ratio | 34.7489% | 371 |
| Total risk-based capital ratio | 36.0189% | 368 |
| Memoranda: | ||
| Average total assets | $236,249,670 | 2,646 |
| Average earning assets | $227,868,000 | 2,562 |
| Average equity | $30,074,000 | 2,333 |
| Average total loans | $93,732,330 | 3,559 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,524 |
| Cost of funding earning assets | 0.4467% | 2,802 |
| Net interest margin | 3.2071% | 4,588 |
| Noninterest income to average assets | 0.3596% | 4,325 |
| Noninterest expense to average assets | 2.4822% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7311% | 3,639 |
| Return on assets (ROA) | 0.8470% | 3,142 |
| Pretax return on assets | 1.1327% | 2,935 |
| Return on Equity (ROE) | 6.6222% | 3,696 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,798 |
| Net charge-offs to loans | 0.3261% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.6579% | 2,152 |
| Efficiency ratio | 71.7339% | 3,214 |
| Assets per employee ($millions) | 4.1312% | 3,697 |
| Cash dividends to net income (ytd only)* | 17.4603% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 1,854 |
| Loan loss allowance to noncurrent loans | 62.7396% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 2,110 |
| Noncurrent loans to loans | 2.6455% | 899 |
| Net loans and leases to total assets | 38.8466% | 5,673 |
| Net loans and leases to deposits | 45.1586% | 5,698 |
| Net loans and leases to core deposits | 47.1427% | 5,711 |
| Total domestic deposits to total assets | 86.0226% | 2,924 |
| Equity capital to assets | 12.8831% | 1,462 |
| Core capital (leverage) ratio | 13.3764% | 1,020 |
| Tier 1 risk-based capital ratio | 39.3435% | 270 |
| Total risk-based capital ratio | 39.3435% | 287 |
| Memoranda: | ||
| Average total assets | $238,010,000 | 2,654 |
| Average earning assets | $230,113,500 | 2,553 |
| Average equity | $30,443,000 | 2,324 |
| Average total loans | $93,222,000 | 3,588 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 4,343 |
| Cost of funding earning assets | 0.5201% | 2,488 |
| Net interest margin | 3.3234% | 4,497 |
| Noninterest income to average assets | 0.4032% | 4,156 |
| Noninterest expense to average assets | 2.4547% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7494% | 3,634 |
| Return on assets (ROA) | 0.7867% | 3,530 |
| Pretax return on assets | 1.1886% | 2,696 |
| Return on Equity (ROE) | 6.5314% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.9018% | 3,436 |
| Net charge-offs to loans | 0.7503% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.8840% | 3,789 |
| Efficiency ratio | 68.4368% | 3,817 |
| Assets per employee ($millions) | 4.0761% | 3,769 |
| Cash dividends to net income (ytd only)* | 40.2612% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 1,551 |
| Loan loss allowance to noncurrent loans | 76.7940% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 1,926 |
| Noncurrent loans to loans | 2.3379% | 1,112 |
| Net loans and leases to total assets | 38.1306% | 5,841 |
| Net loans and leases to deposits | 44.2840% | 5,869 |
| Net loans and leases to core deposits | 46.8125% | 5,857 |
| Total domestic deposits to total assets | 86.1047% | 2,778 |
| Equity capital to assets | 12.6970% | 1,541 |
| Core capital (leverage) ratio | 13.3441% | 1,019 |
| Tier 1 risk-based capital ratio | 31.5104% | 453 |
| Total risk-based capital ratio | 32.7661% | 444 |
| Memoranda: | ||
| Average total assets | $233,632,200 | 2,668 |
| Average earning assets | $223,803,600 | 2,592 |
| Average equity | $28,141,000 | 2,397 |
| Average total loans | $90,758,800 | 3,615 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8935% | 4,196 |
| Cost of funding earning assets | 0.5381% | 2,390 |
| Net interest margin | 3.3554% | 4,409 |
| Noninterest income to average assets | 0.4075% | 4,185 |
| Noninterest expense to average assets | 2.4573% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7684% | 3,575 |
| Return on assets (ROA) | 0.7721% | 3,663 |
| Pretax return on assets | 1.1648% | 2,929 |
| Return on Equity (ROE) | 6.4998% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.8252% | 2,515 |
| Net charge-offs to loans | 1.0033% | 301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.9736% | 3,778 |
| Efficiency ratio | 67.9487% | 3,864 |
| Assets per employee ($millions) | 3.9696% | 3,950 |
| Cash dividends to net income (ytd only)* | 10.3780% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 1,703 |
| Loan loss allowance to noncurrent loans | 73.2119% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5293% | 2,012 |
| Noncurrent loans to loans | 2.4498% | 1,208 |
| Net loans and leases to total assets | 39.1940% | 5,864 |
| Net loans and leases to deposits | 45.5024% | 5,898 |
| Net loans and leases to core deposits | 48.3220% | 5,871 |
| Total domestic deposits to total assets | 86.1363% | 2,783 |
| Equity capital to assets | 12.5981% | 1,640 |
| Core capital (leverage) ratio | 13.1792% | 1,108 |
| Tier 1 risk-based capital ratio | 31.8805% | 445 |
| Total risk-based capital ratio | 33.1362% | 435 |
| Memoranda: | ||
| Average total assets | $232,937,500 | 2,688 |
| Average earning assets | $222,758,500 | 2,606 |
| Average equity | $27,672,000 | 2,440 |
| Average total loans | $90,500,250 | 3,650 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 4,182 |
| Cost of funding earning assets | 0.5555% | 2,302 |
| Net interest margin | 3.3330% | 4,463 |
| Noninterest income to average assets | 0.3823% | 4,387 |
| Noninterest expense to average assets | 2.4752% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7255% | 3,692 |
| Return on assets (ROA) | 0.7313% | 3,766 |
| Pretax return on assets | 1.0973% | 3,113 |
| Return on Equity (ROE) | 6.2804% | 4,007 |
| Retained earnings to average equity (ytd only) | 5.2520% | 2,797 |
| Net charge-offs to loans | 0.8663% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.2641% | 3,357 |
| Efficiency ratio | 69.4504% | 3,747 |
| Assets per employee ($millions) | 4.1189% | 3,612 |
| Cash dividends to net income (ytd only)* | 16.3743% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1416% | 1,102 |
| Loan loss allowance to noncurrent loans | 83.0763% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4852% | 2,195 |
| Noncurrent loans to loans | 2.5779% | 1,197 |
| Net loans and leases to total assets | 37.0870% | 6,001 |
| Net loans and leases to deposits | 42.6723% | 6,043 |
| Net loans and leases to core deposits | 45.2588% | 6,023 |
| Total domestic deposits to total assets | 86.9112% | 2,502 |
| Equity capital to assets | 11.8938% | 2,070 |
| Core capital (leverage) ratio | 12.8213% | 1,232 |
| Tier 1 risk-based capital ratio | 31.6883% | 456 |
| Total risk-based capital ratio | 32.9473% | 447 |
| Memoranda: | ||
| Average total assets | $233,838,670 | 2,692 |
| Average earning assets | $223,225,330 | 2,610 |
| Average equity | $27,227,670 | 2,462 |
| Average total loans | $90,038,330 | 3,676 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 4,172 |
| Cost of funding earning assets | 0.5507% | 2,414 |
| Net interest margin | 3.3295% | 4,427 |
| Noninterest income to average assets | 0.3943% | 4,237 |
| Noninterest expense to average assets | 2.4521% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7540% | 3,397 |
| Return on assets (ROA) | 0.7540% | 3,479 |
| Pretax return on assets | 1.1206% | 2,814 |
| Return on Equity (ROE) | 6.5479% | 3,718 |
| Retained earnings to average equity (ytd only) | 4.4454% | 3,455 |
| Net charge-offs to loans | -0.0134% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6350% | 4,073 |
| Assets per employee ($millions) | 4.0473% | 3,830 |
| Cash dividends to net income (ytd only)* | 32.1101% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5726% | 744 |
| Loan loss allowance to noncurrent loans | 57.4667% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 1.9238% | 1,790 |
| Noncurrent loans to loans | 4.4767% | 543 |
| Net loans and leases to total assets | 37.6218% | 5,968 |
| Net loans and leases to deposits | 43.0738% | 6,022 |
| Net loans and leases to core deposits | 45.7188% | 6,005 |
| Total domestic deposits to total assets | 87.3428% | 2,605 |
| Equity capital to assets | 11.5675% | 2,187 |
| Core capital (leverage) ratio | 12.7268% | 1,285 |
| Tier 1 risk-based capital ratio | 32.7521% | 419 |
| Total risk-based capital ratio | 34.0180% | 413 |
| Memoranda: | ||
| Average total assets | $231,309,000 | 2,731 |
| Average earning assets | $220,816,500 | 2,644 |
| Average equity | $26,634,500 | 2,500 |
| Average total loans | $89,788,000 | 3,701 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 5,827 |
| Cost of funding earning assets | 0.5970% | 2,687 |
| Net interest margin | 2.8093% | 5,964 |
| Noninterest income to average assets | 0.4308% | 4,227 |
| Noninterest expense to average assets | 2.2852% | 5,420 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5613% | 4,452 |
| Return on assets (ROA) | 0.5798% | 4,471 |
| Pretax return on assets | 0.8616% | 3,912 |
| Return on Equity (ROE) | 4.9891% | 4,640 |
| Retained earnings to average equity (ytd only) | 2.7977% | 4,255 |
| Net charge-offs to loans | 0.1728% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 12.9276% | 2,083 |
| Efficiency ratio | 73.2617% | 3,249 |
| Assets per employee ($millions) | 3.9289% | 4,005 |
| Cash dividends to net income (ytd only)* | 43.9239% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6189% | 716 |
| Loan loss allowance to noncurrent loans | 47.5986% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.2745% | 1,557 |
| Noncurrent loans to loans | 5.5021% | 415 |
| Net loans and leases to total assets | 38.0035% | 6,091 |
| Net loans and leases to deposits | 43.4499% | 6,148 |
| Net loans and leases to core deposits | 46.3627% | 6,119 |
| Total domestic deposits to total assets | 87.4650% | 2,490 |
| Equity capital to assets | 11.4603% | 2,199 |
| Core capital (leverage) ratio | 13.0521% | 1,119 |
| Tier 1 risk-based capital ratio | 33.3203% | 386 |
| Total risk-based capital ratio | 34.5876% | 380 |
| Memoranda: | ||
| Average total assets | $235,598,400 | 2,662 |
| Average earning assets | $225,465,000 | 2,563 |
| Average equity | $27,379,800 | 2,427 |
| Average total loans | $87,949,800 | 3,734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2762% | 6,096 |
| Cost of funding earning assets | 0.6114% | 2,722 |
| Net interest margin | 2.6648% | 6,226 |
| Noninterest income to average assets | 0.4384% | 4,236 |
| Noninterest expense to average assets | 2.2604% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4974% | 4,804 |
| Return on assets (ROA) | 0.5130% | 4,897 |
| Pretax return on assets | 0.7550% | 4,473 |
| Return on Equity (ROE) | 4.4001% | 5,026 |
| Retained earnings to average equity (ytd only) | 4.4001% | 3,542 |
| Net charge-offs to loans | 0.2782% | 2,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.1258% | 2,843 |
| Efficiency ratio | 75.5393% | 2,799 |
| Assets per employee ($millions) | 3.9228% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5081% | 924 |
| Loan loss allowance to noncurrent loans | 72.5608% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 2,641 |
| Noncurrent loans to loans | 3.4565% | 1,107 |
| Net loans and leases to total assets | 39.2607% | 6,088 |
| Net loans and leases to deposits | 46.1433% | 6,088 |
| Net loans and leases to core deposits | 49.4054% | 6,046 |
| Total domestic deposits to total assets | 85.0844% | 3,693 |
| Equity capital to assets | 11.6680% | 2,155 |
| Core capital (leverage) ratio | 12.6918% | 1,328 |
| Tier 1 risk-based capital ratio | 32.6634% | 415 |
| Total risk-based capital ratio | 33.9291% | 408 |
| Memoranda: | ||
| Average total assets | $237,529,500 | 2,659 |
| Average earning assets | $227,657,000 | 2,549 |
| Average equity | $27,696,000 | 2,433 |
| Average total loans | $87,705,000 | 3,766 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1558% | 6,282 |
| Cost of funding earning assets | 0.6221% | 2,752 |
| Net interest margin | 2.5336% | 6,410 |
| Noninterest income to average assets | 0.4110% | 4,440 |
| Noninterest expense to average assets | 2.2153% | 5,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4370% | 5,072 |
| Return on assets (ROA) | 0.4608% | 5,140 |
| Pretax return on assets | 0.6576% | 4,823 |
| Return on Equity (ROE) | 3.9531% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.9531% | 3,780 |
| Net charge-offs to loans | 0.5972% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.9109% | 3,555 |
| Efficiency ratio | 78.0345% | 2,448 |
| Assets per employee ($millions) | 4.0545% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5253% | 960 |
| Loan loss allowance to noncurrent loans | 83.4209% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 3,139 |
| Noncurrent loans to loans | 3.0272% | 1,470 |
| Net loans and leases to total assets | 36.5051% | 6,268 |
| Net loans and leases to deposits | 41.4270% | 6,349 |
| Net loans and leases to core deposits | 44.4277% | 6,314 |
| Total domestic deposits to total assets | 88.1191% | 2,159 |
| Equity capital to assets | 10.8535% | 2,888 |
| Core capital (leverage) ratio | 12.4796% | 1,368 |
| Tier 1 risk-based capital ratio | 33.3330% | 396 |
| Total risk-based capital ratio | 34.5982% | 388 |
| Memoranda: | ||
| Average total assets | $240,866,000 | 2,641 |
| Average earning assets | $230,814,330 | 2,529 |
| Average equity | $28,079,000 | 2,417 |
| Average total loans | $86,398,670 | 3,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0733% | 6,425 |
| Cost of funding earning assets | 0.6485% | 2,672 |
| Net interest margin | 2.4248% | 6,576 |
| Noninterest income to average assets | 0.3972% | 4,477 |
| Noninterest expense to average assets | 2.2025% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3561% | 5,326 |
| Return on assets (ROA) | 0.3561% | 5,466 |
| Pretax return on assets | 0.5203% | 5,200 |
| Return on Equity (ROE) | 2.9567% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.9567% | 4,509 |
| Net charge-offs to loans | 0.2478% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.9811% | 2,294 |
| Efficiency ratio | 80.8921% | 2,196 |
| Assets per employee ($millions) | 4.1921% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8066% | 815 |
| Loan loss allowance to noncurrent loans | 172.9345% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 4,693 |
| Noncurrent loans to loans | 1.6230% | 3,102 |
| Net loans and leases to total assets | 34.5810% | 6,386 |
| Net loans and leases to deposits | 39.7202% | 6,433 |
| Net loans and leases to core deposits | 42.7245% | 6,374 |
| Total domestic deposits to total assets | 87.0615% | 2,926 |
| Equity capital to assets | 11.8351% | 2,147 |
| Core capital (leverage) ratio | 11.9802% | 1,575 |
| Tier 1 risk-based capital ratio | 35.2268% | 342 |
| Total risk-based capital ratio | 36.4971% | 336 |
| Memoranda: | ||
| Average total assets | $243,719,500 | 2,648 |
| Average earning assets | $233,754,500 | 2,532 |
| Average equity | $29,357,000 | 2,347 |
| Average total loans | $85,563,500 | 3,853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 6,278 |
| Cost of funding earning assets | 0.8121% | 2,569 |
| Net interest margin | 2.7527% | 6,446 |
| Noninterest income to average assets | 0.3773% | 4,771 |
| Noninterest expense to average assets | 2.2240% | 5,871 |
| Loan and lease loss provision to assets | 0.0840% | 4,650 |
| Net operating income to assets | 0.4554% | 4,863 |
| Return on assets (ROA) | 0.6853% | 4,068 |
| Pretax return on assets | 1.0509% | 3,352 |
| Return on Equity (ROE) | 5.2999% | 4,536 |
| Retained earnings to average equity (ytd only) | 1.4655% | 5,134 |
| Net charge-offs to loans | 0.4788% | 2,325 |
| Credit loss provision to net charge-offs | 50.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | 4.6475% | 3,299 |
| Efficiency ratio | 74.0073% | 3,069 |
| Assets per employee ($millions) | 4.2120% | 3,526 |
| Cash dividends to net income (ytd only)* | 72.3483% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9320% | 708 |
| Loan loss allowance to noncurrent loans | 122.3976% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 4,248 |
| Noncurrent loans to loans | 2.3955% | 2,232 |
| Net loans and leases to total assets | 33.6218% | 6,563 |
| Net loans and leases to deposits | 38.7501% | 6,608 |
| Net loans and leases to core deposits | 41.7605% | 6,554 |
| Total domestic deposits to total assets | 86.7657% | 2,953 |
| Equity capital to assets | 12.2548% | 1,886 |
| Core capital (leverage) ratio | 12.4739% | 1,332 |
| Tier 1 risk-based capital ratio | 38.4427% | 267 |
| Total risk-based capital ratio | 39.7173% | 259 |
| Memoranda: | ||
| Average total assets | $237,992,600 | 2,655 |
| Average earning assets | $227,191,600 | 2,535 |
| Average equity | $30,774,200 | 2,208 |
| Average total loans | $83,540,000 | 3,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 6,094 |
| Cost of funding earning assets | 0.8570% | 2,485 |
| Net interest margin | 2.9090% | 6,342 |
| Noninterest income to average assets | 0.3756% | 4,819 |
| Noninterest expense to average assets | 2.2378% | 5,859 |
| Loan and lease loss provision to assets | 0.1128% | 4,154 |
| Net operating income to assets | 0.5299% | 4,711 |
| Return on assets (ROA) | 0.8065% | 3,663 |
| Pretax return on assets | 1.2199% | 2,912 |
| Return on Equity (ROE) | 6.1537% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.8095% | 2,827 |
| Net charge-offs to loans | 0.5604% | 1,932 |
| Credit loss provision to net charge-offs | 57.1429% | 4,231 |
| Earnings coverage of net charge-offs (x) | 4.6285% | 3,250 |
| Efficiency ratio | 71.0093% | 3,503 |
| Assets per employee ($millions) | 3.8585% | 4,180 |
| Cash dividends to net income (ytd only)* | 5.5942% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9547% | 757 |
| Loan loss allowance to noncurrent loans | 86.2057% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.3489% | 3,600 |
| Noncurrent loans to loans | 3.4275% | 1,593 |
| Net loans and leases to total assets | 35.3189% | 6,597 |
| Net loans and leases to deposits | 41.5034% | 6,620 |
| Net loans and leases to core deposits | 45.1712% | 6,555 |
| Total domestic deposits to total assets | 85.0988% | 3,704 |
| Equity capital to assets | 13.5064% | 1,349 |
| Core capital (leverage) ratio | 12.4921% | 1,410 |
| Tier 1 risk-based capital ratio | 40.0615% | 238 |
| Total risk-based capital ratio | 41.3376% | 232 |
| Memoranda: | ||
| Average total assets | $236,416,500 | 2,693 |
| Average earning assets | $225,595,500 | 2,583 |
| Average equity | $30,983,250 | 2,217 |
| Average total loans | $83,270,500 | 3,978 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 5,830 |
| Cost of funding earning assets | 0.8716% | 2,647 |
| Net interest margin | 3.0612% | 6,098 |
| Noninterest income to average assets | 0.3311% | 5,180 |
| Noninterest expense to average assets | 2.2275% | 5,932 |
| Loan and lease loss provision to assets | 0.1689% | 3,414 |
| Net operating income to assets | 0.5595% | 4,540 |
| Return on assets (ROA) | 0.9680% | 2,836 |
| Pretax return on assets | 1.4825% | 1,910 |
| Return on Equity (ROE) | 7.4623% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.9414% | 2,134 |
| Net charge-offs to loans | 0.7396% | 1,495 |
| Credit loss provision to net charge-offs | 65.5738% | 3,673 |
| Earnings coverage of net charge-offs (x) | 3.9705% | 3,213 |
| Efficiency ratio | 68.5291% | 4,034 |
| Assets per employee ($millions) | 3.9616% | 3,951 |
| Cash dividends to net income (ytd only)* | 6.9808% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1188% | 700 |
| Loan loss allowance to noncurrent loans | 120.5428% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 4,456 |
| Noncurrent loans to loans | 2.5873% | 2,320 |
| Net loans and leases to total assets | 33.1129% | 6,764 |
| Net loans and leases to deposits | 38.5704% | 6,779 |
| Net loans and leases to core deposits | 42.7494% | 6,704 |
| Total domestic deposits to total assets | 85.8507% | 3,431 |
| Equity capital to assets | 12.9849% | 1,530 |
| Core capital (leverage) ratio | 12.1549% | 1,515 |
| Tier 1 risk-based capital ratio | 43.2680% | 189 |
| Total risk-based capital ratio | 44.5487% | 189 |
| Memoranda: | ||
| Average total assets | $236,765,330 | 2,692 |
| Average earning assets | $225,792,000 | 2,578 |
| Average equity | $30,714,330 | 2,221 |
| Average total loans | $82,473,670 | 4,025 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 5,996 |
| Cost of funding earning assets | 0.8512% | 3,056 |
| Net interest margin | 3.0581% | 6,163 |
| Noninterest income to average assets | 0.3243% | 5,275 |
| Noninterest expense to average assets | 2.2824% | 5,813 |
| Loan and lease loss provision to assets | 0.1707% | 3,263 |
| Net operating income to assets | 0.5137% | 4,763 |
| Return on assets (ROA) | 1.0618% | 2,440 |
| Pretax return on assets | 1.6217% | 1,499 |
| Return on Equity (ROE) | 8.1891% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.1891% | 1,912 |
| Net charge-offs to loans | 1.0096% | 1,027 |
| Credit loss provision to net charge-offs | 48.0769% | 3,315 |
| Earnings coverage of net charge-offs (x) | 2.6731% | 3,115 |
| Efficiency ratio | 70.6286% | 3,696 |
| Assets per employee ($millions) | 3.9837% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1219% | 739 |
| Loan loss allowance to noncurrent loans | 111.5785% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 4,562 |
| Noncurrent loans to loans | 2.7979% | 2,314 |
| Net loans and leases to total assets | 32.8576% | 6,783 |
| Net loans and leases to deposits | 38.0252% | 6,815 |
| Net loans and leases to core deposits | 42.0003% | 6,747 |
| Total domestic deposits to total assets | 86.4102% | 3,296 |
| Equity capital to assets | 12.4376% | 1,761 |
| Core capital (leverage) ratio | 12.7247% | 1,231 |
| Tier 1 risk-based capital ratio | 41.1289% | 214 |
| Total risk-based capital ratio | 42.4083% | 208 |
| Memoranda: | ||
| Average total assets | $234,319,000 | 2,727 |
| Average earning assets | $222,753,500 | 2,627 |
| Average equity | $30,382,000 | 2,239 |
| Average total loans | $82,412,500 | 4,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 5,208 |
| Cost of funding earning assets | 0.9293% | 3,882 |
| Net interest margin | 3.5340% | 5,006 |
| Noninterest income to average assets | 0.3720% | 4,847 |
| Noninterest expense to average assets | 2.5952% | 5,115 |
| Loan and lease loss provision to assets | 0.4001% | 2,592 |
| Net operating income to assets | 0.4770% | 4,518 |
| Return on assets (ROA) | 0.8194% | 3,122 |
| Pretax return on assets | 1.2045% | 2,442 |
| Return on Equity (ROE) | 5.9351% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.8336% | 3,484 |
| Net charge-offs to loans | 0.6565% | 2,509 |
| Credit loss provision to net charge-offs | 154.8913% | 1,813 |
| Earnings coverage of net charge-offs (x) | 4.2627% | 3,191 |
| Efficiency ratio | 70.2114% | 3,901 |
| Assets per employee ($millions) | 3.6392% | 4,686 |
| Cash dividends to net income (ytd only)* | 35.4083% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2534% | 645 |
| Loan loss allowance to noncurrent loans | 89.8157% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.3713% | 3,948 |
| Noncurrent loans to loans | 3.6223% | 1,757 |
| Net loans and leases to total assets | 35.3341% | 6,797 |
| Net loans and leases to deposits | 41.6249% | 6,809 |
| Net loans and leases to core deposits | 46.4365% | 6,718 |
| Total domestic deposits to total assets | 84.8869% | 3,907 |
| Equity capital to assets | 13.5353% | 1,248 |
| Core capital (leverage) ratio | 13.3944% | 1,010 |
| Tier 1 risk-based capital ratio | 39.6223% | 236 |
| Total risk-based capital ratio | 40.9025% | 231 |
| Memoranda: | ||
| Average total assets | $213,702,800 | 2,903 |
| Average earning assets | $201,018,000 | 2,842 |
| Average equity | $29,502,600 | 2,227 |
| Average total loans | $84,087,600 | 4,023 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 4,884 |
| Cost of funding earning assets | 0.9567% | 3,990 |
| Net interest margin | 3.6384% | 4,625 |
| Noninterest income to average assets | 0.4113% | 4,577 |
| Noninterest expense to average assets | 2.5727% | 5,187 |
| Loan and lease loss provision to assets | 0.3164% | 3,003 |
| Net operating income to assets | 0.6322% | 3,957 |
| Return on assets (ROA) | 1.0870% | 2,164 |
| Pretax return on assets | 1.6204% | 1,330 |
| Return on Equity (ROE) | 7.8330% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.8330% | 1,573 |
| Net charge-offs to loans | 0.4496% | 2,925 |
| Credit loss provision to net charge-offs | 175.4386% | 1,697 |
| Earnings coverage of net charge-offs (x) | 6.9754% | 2,443 |
| Efficiency ratio | 67.1622% | 4,491 |
| Assets per employee ($millions) | 3.3635% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0686% | 821 |
| Loan loss allowance to noncurrent loans | 87.6014% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6170% | 3,658 |
| Noncurrent loans to loans | 3.5030% | 1,965 |
| Net loans and leases to total assets | 39.2770% | 6,691 |
| Net loans and leases to deposits | 47.3960% | 6,661 |
| Net loans and leases to core deposits | 53.0692% | 6,507 |
| Total domestic deposits to total assets | 82.8697% | 4,730 |
| Equity capital to assets | 15.3747% | 754 |
| Core capital (leverage) ratio | 14.0438% | 892 |
| Tier 1 risk-based capital ratio | 39.4742% | 263 |
| Total risk-based capital ratio | 40.7522% | 255 |
| Memoranda: | ||
| Average total assets | $210,720,500 | 2,946 |
| Average earning assets | $198,031,500 | 2,887 |
| Average equity | $29,243,250 | 2,251 |
| Average total loans | $84,508,000 | 4,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5590% | 5,142 |
| Cost of funding earning assets | 0.9731% | 4,142 |
| Net interest margin | 3.5859% | 4,769 |
| Noninterest income to average assets | 0.4909% | 3,942 |
| Noninterest expense to average assets | 2.6304% | 5,076 |
| Loan and lease loss provision to assets | 0.2838% | 3,109 |
| Net operating income to assets | 0.6315% | 3,905 |
| Return on assets (ROA) | 1.0054% | 2,304 |
| Pretax return on assets | 1.4982% | 1,541 |
| Return on Equity (ROE) | 7.5114% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.5114% | 1,653 |
| Net charge-offs to loans | 0.4354% | 2,834 |
| Credit loss provision to net charge-offs | 163.0435% | 1,856 |
| Earnings coverage of net charge-offs (x) | 7.0326% | 2,290 |
| Efficiency ratio | 68.2454% | 4,472 |
| Assets per employee ($millions) | 3.3885% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9863% | 910 |
| Loan loss allowance to noncurrent loans | 43.4041% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.0592% | 2,198 |
| Noncurrent loans to loans | 6.8801% | 763 |
| Net loans and leases to total assets | 38.5656% | 6,831 |
| Net loans and leases to deposits | 45.5815% | 6,850 |
| Net loans and leases to core deposits | 50.8491% | 6,724 |
| Total domestic deposits to total assets | 84.6080% | 4,069 |
| Equity capital to assets | 14.1873% | 1,035 |
| Core capital (leverage) ratio | 13.6338% | 961 |
| Tier 1 risk-based capital ratio | 38.6134% | 264 |
| Total risk-based capital ratio | 39.8898% | 257 |
| Memoranda: | ||
| Average total assets | $211,448,330 | 2,957 |
| Average earning assets | $198,335,000 | 2,894 |
| Average equity | $28,303,670 | 2,291 |
| Average total loans | $84,510,670 | 4,079 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 5,402 |
| Cost of funding earning assets | 0.9905% | 4,268 |
| Net interest margin | 3.4888% | 5,061 |
| Noninterest income to average assets | 0.4676% | 4,135 |
| Noninterest expense to average assets | 2.5607% | 5,355 |
| Loan and lease loss provision to assets | 0.2828% | 2,884 |
| Net operating income to assets | 0.6007% | 4,025 |
| Return on assets (ROA) | 0.6411% | 3,871 |
| Pretax return on assets | 0.9523% | 3,307 |
| Return on Equity (ROE) | 4.9360% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.9360% | 3,235 |
| Net charge-offs to loans | 0.2400% | 3,116 |
| Credit loss provision to net charge-offs | 294.1176% | 1,092 |
| Earnings coverage of net charge-offs (x) | 12.2157% | 1,505 |
| Efficiency ratio | 68.5512% | 4,550 |
| Assets per employee ($millions) | 3.4535% | 5,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9564% | 951 |
| Loan loss allowance to noncurrent loans | 42.0088% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 3.0628% | 2,252 |
| Noncurrent loans to loans | 7.0376% | 779 |
| Net loans and leases to total assets | 37.9572% | 6,908 |
| Net loans and leases to deposits | 44.1788% | 6,948 |
| Net loans and leases to core deposits | 49.6469% | 6,791 |
| Total domestic deposits to total assets | 85.9172% | 3,568 |
| Equity capital to assets | 12.9549% | 1,400 |
| Core capital (leverage) ratio | 13.2131% | 1,056 |
| Tier 1 risk-based capital ratio | 38.5812% | 259 |
| Total risk-based capital ratio | 39.8582% | 254 |
| Memoranda: | ||
| Average total assets | $212,128,000 | 2,965 |
| Average earning assets | $198,692,000 | 2,905 |
| Average equity | $27,552,500 | 2,336 |
| Average total loans | $85,008,000 | 4,107 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 5,354 |
| Cost of funding earning assets | 1.1280% | 4,977 |
| Net interest margin | 3.6902% | 4,387 |
| Noninterest income to average assets | 0.5900% | 3,538 |
| Noninterest expense to average assets | 2.8298% | 4,477 |
| Loan and lease loss provision to assets | 0.3545% | 4,001 |
| Net operating income to assets | 0.5891% | 3,724 |
| Return on assets (ROA) | 0.8055% | 2,910 |
| Pretax return on assets | 1.1764% | 2,304 |
| Return on Equity (ROE) | 5.6135% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.4066% | 3,483 |
| Net charge-offs to loans | 0.3441% | 4,292 |
| Credit loss provision to net charge-offs | 234.4595% | 1,249 |
| Earnings coverage of net charge-offs (x) | 8.0203% | 2,026 |
| Efficiency ratio | 70.0025% | 4,182 |
| Assets per employee ($millions) | 3.3893% | 5,200 |
| Cash dividends to net income (ytd only)* | 39.3152% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7566% | 1,106 |
| Loan loss allowance to noncurrent loans | 46.7007% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 2,581 |
| Noncurrent loans to loans | 5.9027% | 1,067 |
| Net loans and leases to total assets | 39.9208% | 6,969 |
| Net loans and leases to deposits | 46.5910% | 7,018 |
| Net loans and leases to core deposits | 52.2075% | 6,898 |
| Total domestic deposits to total assets | 85.6836% | 3,505 |
| Equity capital to assets | 13.0230% | 1,382 |
| Core capital (leverage) ratio | 13.6121% | 954 |
| Tier 1 risk-based capital ratio | 37.5475% | 286 |
| Total risk-based capital ratio | 38.8219% | 279 |
| Memoranda: | ||
| Average total assets | $195,772,000 | 3,149 |
| Average earning assets | $183,158,800 | 3,089 |
| Average equity | $28,092,800 | 2,305 |
| Average total loans | $86,018,800 | 4,154 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9516% | 5,030 |
| Cost of funding earning assets | 1.1527% | 5,131 |
| Net interest margin | 3.7989% | 3,976 |
| Noninterest income to average assets | 0.6188% | 3,323 |
| Noninterest expense to average assets | 2.7834% | 4,557 |
| Loan and lease loss provision to assets | 0.3080% | 4,117 |
| Net operating income to assets | 0.7333% | 3,268 |
| Return on assets (ROA) | 0.9796% | 2,420 |
| Pretax return on assets | 1.4382% | 1,776 |
| Return on Equity (ROE) | 6.6584% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.6584% | 2,010 |
| Net charge-offs to loans | 0.2404% | 4,502 |
| Credit loss provision to net charge-offs | 286.4516% | 1,127 |
| Earnings coverage of net charge-offs (x) | 12.8710% | 1,644 |
| Efficiency ratio | 66.7887% | 4,699 |
| Assets per employee ($millions) | 3.1794% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6392% | 1,155 |
| Loan loss allowance to noncurrent loans | 47.4488% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 2.9418% | 2,464 |
| Noncurrent loans to loans | 5.5623% | 1,185 |
| Net loans and leases to total assets | 42.4628% | 6,951 |
| Net loans and leases to deposits | 50.9415% | 6,952 |
| Net loans and leases to core deposits | 57.7940% | 6,742 |
| Total domestic deposits to total assets | 83.3559% | 4,433 |
| Equity capital to assets | 15.0202% | 888 |
| Core capital (leverage) ratio | 14.1890% | 886 |
| Tier 1 risk-based capital ratio | 38.6078% | 275 |
| Total risk-based capital ratio | 39.8814% | 270 |
| Memoranda: | ||
| Average total assets | $192,181,000 | 3,255 |
| Average earning assets | $179,520,250 | 3,161 |
| Average equity | $28,274,500 | 2,328 |
| Average total loans | $85,957,000 | 4,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 4,993 |
| Cost of funding earning assets | 1.1596% | 5,347 |
| Net interest margin | 3.8289% | 3,770 |
| Noninterest income to average assets | 0.6004% | 3,329 |
| Noninterest expense to average assets | 2.7712% | 4,616 |
| Loan and lease loss provision to assets | 0.3097% | 3,906 |
| Net operating income to assets | 0.7538% | 3,179 |
| Return on assets (ROA) | 0.8208% | 3,025 |
| Pretax return on assets | 1.1987% | 2,421 |
| Return on Equity (ROE) | 5.6198% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.6198% | 2,545 |
| Net charge-offs to loans | 0.5026% | 3,028 |
| Credit loss provision to net charge-offs | 136.5741% | 2,935 |
| Earnings coverage of net charge-offs (x) | 6.2176% | 2,505 |
| Efficiency ratio | 66.2817% | 4,934 |
| Assets per employee ($millions) | 3.1340% | 5,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 1,431 |
| Loan loss allowance to noncurrent loans | 82.8571% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 3,684 |
| Noncurrent loans to loans | 2.8995% | 2,756 |
| Net loans and leases to total assets | 43.0474% | 6,982 |
| Net loans and leases to deposits | 51.6573% | 6,998 |
| Net loans and leases to core deposits | 56.1067% | 6,936 |
| Total domestic deposits to total assets | 83.3327% | 4,427 |
| Equity capital to assets | 14.9612% | 890 |
| Core capital (leverage) ratio | 14.1423% | 895 |
| Tier 1 risk-based capital ratio | 37.7160% | 284 |
| Total risk-based capital ratio | 38.9863% | 283 |
| Memoranda: | ||
| Average total assets | $190,534,330 | 3,292 |
| Average earning assets | $178,172,330 | 3,217 |
| Average equity | $27,830,000 | 2,343 |
| Average total loans | $85,952,000 | 4,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9105% | 5,411 |
| Cost of funding earning assets | 1.1681% | 5,563 |
| Net interest margin | 3.7424% | 4,044 |
| Noninterest income to average assets | 0.6001% | 3,277 |
| Noninterest expense to average assets | 2.8180% | 4,419 |
| Loan and lease loss provision to assets | 0.3583% | 3,225 |
| Net operating income to assets | 0.6385% | 3,717 |
| Return on assets (ROA) | 0.7761% | 3,186 |
| Pretax return on assets | 1.1217% | 2,666 |
| Return on Equity (ROE) | 5.3805% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.3805% | 2,941 |
| Net charge-offs to loans | 0.8179% | 1,899 |
| Credit loss provision to net charge-offs | 96.0227% | 3,524 |
| Earnings coverage of net charge-offs (x) | 3.4318% | 2,911 |
| Efficiency ratio | 68.7532% | 4,560 |
| Assets per employee ($millions) | 3.0691% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2967% | 1,582 |
| Loan loss allowance to noncurrent loans | 77.2211% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.9224% | 3,604 |
| Noncurrent loans to loans | 2.9742% | 2,698 |
| Net loans and leases to total assets | 44.1081% | 6,982 |
| Net loans and leases to deposits | 52.4431% | 7,012 |
| Net loans and leases to core deposits | 65.3167% | 6,340 |
| Total domestic deposits to total assets | 84.1066% | 4,097 |
| Equity capital to assets | 14.4303% | 1,024 |
| Core capital (leverage) ratio | 14.1685% | 917 |
| Tier 1 risk-based capital ratio | 35.8570% | 334 |
| Total risk-based capital ratio | 37.1238% | 326 |
| Memoranda: | ||
| Average total assets | $188,647,000 | 3,383 |
| Average earning assets | $176,358,500 | 3,303 |
| Average equity | $27,209,500 | 2,425 |
| Average total loans | $86,076,000 | 4,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4153% | 4,623 |
| Cost of funding earning assets | 1.3501% | 6,142 |
| Net interest margin | 4.0652% | 2,589 |
| Noninterest income to average assets | 0.6813% | 3,077 |
| Noninterest expense to average assets | 3.0108% | 4,104 |
| Loan and lease loss provision to assets | 0.7670% | 2,808 |
| Net operating income to assets | 0.4287% | 4,011 |
| Return on assets (ROA) | 0.5338% | 3,692 |
| Pretax return on assets | 0.8706% | 3,013 |
| Return on Equity (ROE) | 3.5321% | 4,273 |
| Retained earnings to average equity (ytd only) | 1.2007% | 4,201 |
| Net charge-offs to loans | 0.4385% | 4,044 |
| Credit loss provision to net charge-offs | 365.5172% | 878 |
| Earnings coverage of net charge-offs (x) | 7.0212% | 2,240 |
| Efficiency ratio | 67.1425% | 5,155 |
| Assets per employee ($millions) | 3.0162% | 6,185 |
| Cash dividends to net income (ytd only)* | 66.0063% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2957% | 1,493 |
| Loan loss allowance to noncurrent loans | 75.1708% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.9513% | 3,454 |
| Noncurrent loans to loans | 3.0540% | 2,518 |
| Net loans and leases to total assets | 45.0609% | 7,050 |
| Net loans and leases to deposits | 53.5297% | 7,083 |
| Net loans and leases to core deposits | 66.5711% | 6,954 |
| Total domestic deposits to total assets | 84.1792% | 3,949 |
| Equity capital to assets | 14.4166% | 1,048 |
| Core capital (leverage) ratio | 14.7419% | 833 |
| Tier 1 risk-based capital ratio | 34.3180% | 359 |
| Total risk-based capital ratio | 35.5845% | 351 |
| Memoranda: | ||
| Average total assets | $179,652,600 | 3,449 |
| Average earning assets | $168,061,600 | 3,384 |
| Average equity | $27,151,000 | 2,433 |
| Average total loans | $85,984,200 | 4,331 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5508% | 4,150 |
| Cost of funding earning assets | 1.4166% | 6,163 |
| Net interest margin | 4.1342% | 2,269 |
| Noninterest income to average assets | 0.6868% | 3,113 |
| Noninterest expense to average assets | 3.0458% | 3,856 |
| Loan and lease loss provision to assets | 0.3112% | 4,481 |
| Net operating income to assets | 0.7843% | 2,882 |
| Return on assets (ROA) | 0.9283% | 2,380 |
| Pretax return on assets | 1.4127% | 1,666 |
| Return on Equity (ROE) | 6.0688% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.9070% | 1,999 |
| Net charge-offs to loans | 0.3880% | 3,712 |
| Credit loss provision to net charge-offs | 166.0000% | 2,832 |
| Earnings coverage of net charge-offs (x) | 8.0319% | 2,315 |
| Efficiency ratio | 66.9193% | 5,203 |
| Assets per employee ($millions) | 2.7916% | 6,661 |
| Cash dividends to net income (ytd only)* | 2.6656% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3309% | 4,311 |
| Loan loss allowance to noncurrent loans | 40.8054% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 2.2140% | 3,079 |
| Noncurrent loans to loans | 3.2617% | 2,322 |
| Net loans and leases to total assets | 49.0441% | 6,862 |
| Net loans and leases to deposits | 59.6896% | 6,853 |
| Net loans and leases to core deposits | 72.6952% | 6,798 |
| Total domestic deposits to total assets | 82.1652% | 4,605 |
| Equity capital to assets | 16.1292% | 772 |
| Core capital (leverage) ratio | 15.4879% | 764 |
| Tier 1 risk-based capital ratio | 36.7889% | 336 |
| Total risk-based capital ratio | 38.0428% | 328 |
| Memoranda: | ||
| Average total assets | $177,814,000 | 3,497 |
| Average earning assets | $166,219,250 | 3,443 |
| Average equity | $27,198,750 | 2,457 |
| Average total loans | $85,918,500 | 4,369 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5834% | 4,154 |
| Cost of funding earning assets | 1.4835% | 6,202 |
| Net interest margin | 4.0999% | 2,321 |
| Noninterest income to average assets | 0.6411% | 3,406 |
| Noninterest expense to average assets | 3.0191% | 4,009 |
| Loan and lease loss provision to assets | 0.2954% | 4,200 |
| Net operating income to assets | 0.7416% | 3,085 |
| Return on assets (ROA) | 0.9064% | 2,532 |
| Pretax return on assets | 1.4170% | 1,676 |
| Return on Equity (ROE) | 6.0312% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.0312% | 2,004 |
| Net charge-offs to loans | 0.2212% | 4,117 |
| Credit loss provision to net charge-offs | 278.9474% | 1,678 |
| Earnings coverage of net charge-offs (x) | 13.7368% | 1,712 |
| Efficiency ratio | 67.4807% | 5,261 |
| Assets per employee ($millions) | 2.8961% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 4,100 |
| Loan loss allowance to noncurrent loans | 50.9300% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 4,020 |
| Noncurrent loans to loans | 2.6101% | 2,771 |
| Net loans and leases to total assets | 47.5381% | 7,076 |
| Net loans and leases to deposits | 56.9307% | 7,099 |
| Net loans and leases to core deposits | 67.2505% | 7,159 |
| Total domestic deposits to total assets | 83.5018% | 4,012 |
| Equity capital to assets | 14.9110% | 1,049 |
| Core capital (leverage) ratio | 15.0302% | 911 |
| Tier 1 risk-based capital ratio | 35.3573% | 407 |
| Total risk-based capital ratio | 36.6103% | 403 |
| Memoranda: | ||
| Average total assets | $179,393,000 | 3,489 |
| Average earning assets | $167,710,330 | 3,433 |
| Average equity | $26,959,670 | 2,483 |
| Average total loans | $85,881,670 | 4,403 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5867% | 4,443 |
| Cost of funding earning assets | 1.5391% | 6,280 |
| Net interest margin | 4.0476% | 2,462 |
| Noninterest income to average assets | 0.5800% | 3,688 |
| Noninterest expense to average assets | 2.9312% | 4,053 |
| Loan and lease loss provision to assets | 0.2565% | 3,912 |
| Net operating income to assets | 0.8299% | 2,998 |
| Return on assets (ROA) | 0.8633% | 3,018 |
| Pretax return on assets | 1.2604% | 2,407 |
| Return on Equity (ROE) | 5.7222% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7222% | 2,767 |
| Net charge-offs to loans | 0.2104% | 3,376 |
| Credit loss provision to net charge-offs | 255.5556% | 1,844 |
| Earnings coverage of net charge-offs (x) | 14.6222% | 1,654 |
| Efficiency ratio | 66.6329% | 5,210 |
| Assets per employee ($millions) | 2.9491% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 4,580 |
| Loan loss allowance to noncurrent loans | 51.7751% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3007% | 4,079 |
| Noncurrent loans to loans | 2.3780% | 2,767 |
| Net loans and leases to total assets | 46.8212% | 7,125 |
| Net loans and leases to deposits | 56.5211% | 7,133 |
| Net loans and leases to core deposits | 80.7342% | 6,330 |
| Total domestic deposits to total assets | 82.8385% | 4,225 |
| Equity capital to assets | 15.3038% | 1,013 |
| Core capital (leverage) ratio | 14.7546% | 1,022 |
| Tier 1 risk-based capital ratio | 35.2504% | 428 |
| Total risk-based capital ratio | 36.5023% | 418 |
| Memoranda: | ||
| Average total assets | $179,310,000 | 3,518 |
| Average earning assets | $169,187,000 | 3,435 |
| Average equity | $27,052,500 | 2,486 |
| Average total loans | $85,568,000 | 4,438 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1690% | 4,672 |
| Cost of funding earning assets | 1.7676% | 7,093 |
| Net interest margin | 4.4014% | 1,679 |
| Noninterest income to average assets | 0.6653% | 3,371 |
| Noninterest expense to average assets | 2.9653% | 4,203 |
| Loan and lease loss provision to assets | 0.3056% | 3,928 |
| Net operating income to assets | 1.0615% | 2,303 |
| Return on assets (ROA) | 1.0358% | 2,306 |
| Pretax return on assets | 1.5168% | 1,632 |
| Return on Equity (ROE) | 7.2103% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.9337% | 2,067 |
| Net charge-offs to loans | 0.4531% | 2,574 |
| Credit loss provision to net charge-offs | 141.5144% | 3,747 |
| Earnings coverage of net charge-offs (x) | 8.6136% | 2,851 |
| Efficiency ratio | 61.4513% | 6,060 |
| Assets per employee ($millions) | 2.8826% | 6,361 |
| Cash dividends to net income (ytd only)* | 31.5732% | 4,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 4,984 |
| Loan loss allowance to noncurrent loans | 37.9257% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 3,309 |
| Noncurrent loans to loans | 3.0097% | 1,781 |
| Net loans and leases to total assets | 47.4903% | 7,223 |
| Net loans and leases to deposits | 56.8744% | 7,269 |
| Net loans and leases to core deposits | 73.7821% | 6,982 |
| Total domestic deposits to total assets | 83.5002% | 3,572 |
| Equity capital to assets | 14.8688% | 1,193 |
| Core capital (leverage) ratio | 15.0132% | 1,028 |
| Tier 1 risk-based capital ratio | 33.8926% | 481 |
| Total risk-based capital ratio | 35.1428% | 473 |
| Memoranda: | ||
| Average total assets | $177,350,800 | 3,443 |
| Average earning assets | $167,629,000 | 3,366 |
| Average equity | $25,477,600 | 2,603 |
| Average total loans | $84,531,400 | 4,384 |