Home > The Exchange Bank of Alabama > Performance and Condition Ratios
The Exchange Bank of Alabama, 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 | 4.4720% | 3,137 |
| Cost of funding earning assets | 0.7636% | 3,828 |
| Net interest margin | 3.7085% | 1,748 |
| Noninterest income to average assets | 0.6100% | 1,489 |
| Noninterest expense to average assets | 2.5195% | 2,240 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.2370% | 1,566 |
| Return on assets (ROA) | 1.2351% | 1,544 |
| Pretax return on assets | 1.5917% | 1,250 |
| Return on Equity (ROE) | 12.1600% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.6227% | 1,112 |
| Net charge-offs to loans | 0.0168% | 2,036 |
| Credit loss provision to net charge-offs | 322.5806% | 911 |
| Earnings coverage of net charge-offs (x) | 190.9677% | 603 |
| Efficiency ratio | 60.8414% | 2,987 |
| Assets per employee ($millions) | 5.3016% | 3,397 |
| Cash dividends to net income (ytd only)* | 20.8472% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,440 |
| Loan loss allowance to noncurrent loans | 22,608.3333% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 3,812 |
| Noncurrent loans to loans | 0.0061% | 3,733 |
| Net loans and leases to total assets | 52.0700% | 3,474 |
| Net loans and leases to deposits | 59.0094% | 3,578 |
| Net loans and leases to core deposits | 62.0764% | 3,677 |
| Total domestic deposits to total assets | 88.2400% | 1,273 |
| Equity capital to assets | 11.0075% | 1,477 |
| Core capital (leverage) ratio | 13.9295% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7587% | 384 |
| Memoranda: | ||
| Average total assets | $365,075,200 | 2,131 |
| Average earning assets | $348,096,400 | 2,102 |
| Average equity | $37,089,200 | 1,976 |
| Average total loans | $184,070,400 | 2,405 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 3,077 |
| Cost of funding earning assets | 0.6953% | 3,775 |
| Net interest margin | 3.7201% | 1,736 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.4512% | 2,369 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1116% | 2,016 |
| Return on assets (ROA) | 1.1090% | 2,007 |
| Pretax return on assets | 1.4533% | 1,666 |
| Return on Equity (ROE) | 11.1500% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.0553% | 1,945 |
| Net charge-offs to loans | 0.0206% | 1,704 |
| Credit loss provision to net charge-offs | 178.5714% | 1,197 |
| Earnings coverage of net charge-offs (x) | 143.6429% | 752 |
| Efficiency ratio | 62.4323% | 2,668 |
| Assets per employee ($millions) | 4.9249% | 3,657 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,377 |
| Loan loss allowance to noncurrent loans | 38,085.7143% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,857 |
| Noncurrent loans to loans | 0.0037% | 3,789 |
| Net loans and leases to total assets | 52.2700% | 3,480 |
| Net loans and leases to deposits | 58.4724% | 3,585 |
| Net loans and leases to core deposits | 61.4500% | 3,635 |
| Total domestic deposits to total assets | 89.3800% | 1,124 |
| Equity capital to assets | 9.8233% | 1,925 |
| Core capital (leverage) ratio | 13.6702% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9950% | 385 |
| Memoranda: | ||
| Average total assets | $363,566,500 | 2,148 |
| Average earning assets | $346,723,000 | 2,109 |
| Average equity | $36,149,000 | 2,001 |
| Average total loans | $181,101,000 | 2,438 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 3,041 |
| Cost of funding earning assets | 0.6315% | 3,677 |
| Net interest margin | 3.6977% | 1,816 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.4324% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1028% | 2,120 |
| Return on assets (ROA) | 1.0989% | 2,121 |
| Pretax return on assets | 1.4404% | 1,719 |
| Return on Equity (ROE) | 11.0100% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.5107% | 2,122 |
| Net charge-offs to loans | 0.0145% | 1,652 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 203.7692% | 597 |
| Efficiency ratio | 62.7269% | 2,621 |
| Assets per employee ($millions) | 5.1655% | 3,441 |
| Cash dividends to net income (ytd only)* | 31.7776% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 1,383 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,232 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 49.0400% | 3,617 |
| Net loans and leases to deposits | 55.0134% | 3,698 |
| Net loans and leases to core deposits | 57.1620% | 3,761 |
| Total domestic deposits to total assets | 89.1500% | 1,196 |
| Equity capital to assets | 10.1241% | 1,785 |
| Core capital (leverage) ratio | 13.1000% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3319% | 372 |
| Memoranda: | ||
| Average total assets | $366,557,333 | 2,142 |
| Average earning assets | $349,945,333 | 2,095 |
| Average equity | $36,587,667 | 1,996 |
| Average total loans | $178,803,000 | 2,455 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 2,997 |
| Cost of funding earning assets | 0.5503% | 3,532 |
| Net interest margin | 3.6723% | 1,961 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4428% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0731% | 2,312 |
| Return on assets (ROA) | 1.0653% | 2,302 |
| Pretax return on assets | 1.4190% | 1,840 |
| Return on Equity (ROE) | 10.7500% | 2,559 |
| Retained earnings to average equity (ytd only) | 3.7008% | 3,348 |
| Net charge-offs to loans | 0.0271% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 109.0833% | 745 |
| Efficiency ratio | 63.0956% | 2,556 |
| Assets per employee ($millions) | 5.0580% | 3,620 |
| Cash dividends to net income (ytd only)* | 65.5738% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,256 |
| Loan loss allowance to noncurrent loans | 29,244.4444% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,000 |
| Noncurrent loans to loans | 0.0051% | 3,811 |
| Net loans and leases to total assets | 48.1300% | 3,622 |
| Net loans and leases to deposits | 54.2443% | 3,664 |
| Net loans and leases to core deposits | 56.0398% | 3,738 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 10.4812% | 1,571 |
| Core capital (leverage) ratio | 13.1181% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5713% | 371 |
| Memoranda: | ||
| Average total assets | $366,461,000 | 2,171 |
| Average earning assets | $349,644,500 | 2,127 |
| Average equity | $36,316,500 | 2,032 |
| Average total loans | $176,958,000 | 2,488 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 3,334 |
| Cost of funding earning assets | 0.3791% | 2,265 |
| Net interest margin | 3.0257% | 3,377 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2435% | 2,914 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.8585% | 3,120 |
| Return on assets (ROA) | 0.8585% | 3,053 |
| Pretax return on assets | 1.1126% | 2,725 |
| Return on Equity (ROE) | 8.4500% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.8755% | 1,886 |
| Net charge-offs to loans | -0.0484% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.3825% | 2,037 |
| Assets per employee ($millions) | 5.1917% | 3,521 |
| Cash dividends to net income (ytd only)* | 6.8111% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,252 |
| Loan loss allowance to noncurrent loans | 33,050.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 2,994 |
| Noncurrent loans to loans | 0.0045% | 3,846 |
| Net loans and leases to total assets | 47.0300% | 3,733 |
| Net loans and leases to deposits | 52.6659% | 3,756 |
| Net loans and leases to core deposits | 54.2612% | 3,796 |
| Total domestic deposits to total assets | 89.3000% | 1,633 |
| Equity capital to assets | 9.3614% | 2,101 |
| Core capital (leverage) ratio | 12.2466% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0547% | 366 |
| Memoranda: | ||
| Average total assets | $376,244,200 | 2,116 |
| Average earning assets | $360,016,200 | 2,068 |
| Average equity | $38,219,800 | 1,985 |
| Average total loans | $179,925,800 | 2,376 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1917% | 3,455 |
| Cost of funding earning assets | 0.3424% | 1,767 |
| Net interest margin | 2.8492% | 3,627 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.2388% | 2,822 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.7497% | 3,417 |
| Return on assets (ROA) | 0.7497% | 3,367 |
| Pretax return on assets | 0.9836% | 3,063 |
| Return on Equity (ROE) | 7.2400% | 3,538 |
| Retained earnings to average equity (ytd only) | 6.4877% | 2,555 |
| Net charge-offs to loans | -0.0614% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.2487% | 1,728 |
| Assets per employee ($millions) | 5.4725% | 3,253 |
| Cash dividends to net income (ytd only)* | 10.3823% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 1,449 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,033 |
| Noncurrent loans to loans | 0.0220% | 3,746 |
| Net loans and leases to total assets | 46.8100% | 3,720 |
| Net loans and leases to deposits | 52.0188% | 3,729 |
| Net loans and leases to core deposits | 55.1647% | 3,679 |
| Total domestic deposits to total assets | 89.9900% | 1,669 |
| Equity capital to assets | 8.6701% | 2,428 |
| Core capital (leverage) ratio | 12.1198% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4673% | 410 |
| Memoranda: | ||
| Average total assets | $376,854,750 | 2,127 |
| Average earning assets | $360,930,500 | 2,078 |
| Average equity | $39,026,500 | 1,981 |
| Average total loans | $180,295,750 | 2,372 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9811% | 3,603 |
| Cost of funding earning assets | 0.3152% | 1,575 |
| Net interest margin | 2.6659% | 3,784 |
| Noninterest income to average assets | 0.4264% | 2,589 |
| Noninterest expense to average assets | 2.2819% | 2,602 |
| Loan and lease loss provision to assets | -0.0534% | 4,526 |
| Net operating income to assets | 0.5758% | 3,692 |
| Return on assets (ROA) | 0.5758% | 3,640 |
| Pretax return on assets | 0.7524% | 3,444 |
| Return on Equity (ROE) | 5.2680% | 3,760 |
| Retained earnings to average equity (ytd only) | 4.4868% | 2,889 |
| Net charge-offs to loans | -0.1068% | 4,463 |
| Credit loss provision to net charge-offs | 104.1667% | 1,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5485% | 1,215 |
| Assets per employee ($millions) | 5.2546% | 3,471 |
| Cash dividends to net income (ytd only)* | 14.8285% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,475 |
| Loan loss allowance to noncurrent loans | 66,325.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 3,158 |
| Noncurrent loans to loans | 0.0022% | 3,998 |
| Net loans and leases to total assets | 46.8538% | 3,643 |
| Net loans and leases to deposits | 52.5824% | 3,642 |
| Net loans and leases to core deposits | 55.9459% | 3,569 |
| Total domestic deposits to total assets | 89.1056% | 2,132 |
| Equity capital to assets | 9.5546% | 1,974 |
| Core capital (leverage) ratio | 11.9874% | 1,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3325% | 409 |
| Memoranda: | ||
| Average total assets | $374,782,000 | 2,140 |
| Average earning assets | $359,133,667 | 2,104 |
| Average equity | $40,964,333 | 1,960 |
| Average total loans | $179,743,000 | 2,385 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8880% | 3,560 |
| Cost of funding earning assets | 0.3067% | 1,591 |
| Net interest margin | 2.5813% | 3,703 |
| Noninterest income to average assets | 0.3893% | 2,760 |
| Noninterest expense to average assets | 2.3388% | 2,376 |
| Loan and lease loss provision to assets | -0.1072% | 4,609 |
| Net operating income to assets | 0.4901% | 3,739 |
| Return on assets (ROA) | 0.4901% | 3,705 |
| Pretax return on assets | 0.6306% | 3,550 |
| Return on Equity (ROE) | 4.2147% | 3,823 |
| Retained earnings to average equity (ytd only) | 2.7391% | 3,353 |
| Net charge-offs to loans | -0.2160% | 4,618 |
| Credit loss provision to net charge-offs | 103.0928% | 995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7160% | 1,006 |
| Assets per employee ($millions) | 5.3612% | 3,437 |
| Cash dividends to net income (ytd only)* | 35.0109% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,677 |
| Loan loss allowance to noncurrent loans | 5,769.5652% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 2,817 |
| Noncurrent loans to loans | 0.0253% | 3,812 |
| Net loans and leases to total assets | 46.9913% | 3,487 |
| Net loans and leases to deposits | 53.4038% | 3,463 |
| Net loans and leases to core deposits | 56.8423% | 3,388 |
| Total domestic deposits to total assets | 87.9924% | 2,528 |
| Equity capital to assets | 10.6709% | 1,508 |
| Core capital (leverage) ratio | 12.3995% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2250% | 419 |
| Memoranda: | ||
| Average total assets | $373,007,000 | 2,159 |
| Average earning assets | $357,340,500 | 2,123 |
| Average equity | $43,372,500 | 1,943 |
| Average total loans | $179,656,500 | 2,383 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0605% | 3,762 |
| Cost of funding earning assets | 0.3701% | 1,754 |
| Net interest margin | 2.6904% | 3,890 |
| Noninterest income to average assets | 0.5898% | 2,207 |
| Noninterest expense to average assets | 2.2747% | 2,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7065% | 3,609 |
| Return on assets (ROA) | 0.7295% | 3,607 |
| Pretax return on assets | 0.9285% | 3,428 |
| Return on Equity (ROE) | 5.6954% | 3,844 |
| Retained earnings to average equity (ytd only) | 4.9243% | 2,812 |
| Net charge-offs to loans | -0.0071% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6673% | 1,546 |
| Assets per employee ($millions) | 5.1461% | 3,603 |
| Cash dividends to net income (ytd only)* | 13.5385% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 1,581 |
| Loan loss allowance to noncurrent loans | 33,212.5000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,554 |
| Noncurrent loans to loans | 0.0045% | 4,088 |
| Net loans and leases to total assets | 47.9329% | 3,498 |
| Net loans and leases to deposits | 55.7424% | 3,443 |
| Net loans and leases to core deposits | 59.5822% | 3,342 |
| Total domestic deposits to total assets | 85.9901% | 2,909 |
| Equity capital to assets | 12.6247% | 1,023 |
| Core capital (leverage) ratio | 12.5425% | 915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7280% | 412 |
| Memoranda: | ||
| Average total assets | $356,396,200 | 2,167 |
| Average earning assets | $342,327,800 | 2,116 |
| Average equity | $45,650,800 | 1,903 |
| Average total loans | $182,721,800 | 2,364 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9682% | 4,060 |
| Cost of funding earning assets | 0.3763% | 1,884 |
| Net interest margin | 2.5918% | 4,142 |
| Noninterest income to average assets | 0.5903% | 2,250 |
| Noninterest expense to average assets | 2.2980% | 2,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6112% | 3,986 |
| Return on assets (ROA) | 0.6404% | 3,984 |
| Pretax return on assets | 0.8211% | 3,850 |
| Return on Equity (ROE) | 4.9810% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.9503% | 3,590 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5572% | 1,167 |
| Assets per employee ($millions) | 5.3153% | 3,392 |
| Cash dividends to net income (ytd only)* | 20.6937% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,640 |
| Loan loss allowance to noncurrent loans | 7,145.9459% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,006 |
| Noncurrent loans to loans | 0.0210% | 4,046 |
| Net loans and leases to total assets | 46.7017% | 3,739 |
| Net loans and leases to deposits | 54.2512% | 3,719 |
| Net loans and leases to core deposits | 58.3107% | 3,599 |
| Total domestic deposits to total assets | 86.0841% | 2,714 |
| Equity capital to assets | 12.3739% | 1,231 |
| Core capital (leverage) ratio | 12.4361% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1891% | 417 |
| Memoranda: | ||
| Average total assets | $354,152,500 | 2,193 |
| Average earning assets | $340,495,000 | 2,147 |
| Average equity | $45,531,750 | 1,927 |
| Average total loans | $183,954,750 | 2,394 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0331% | 3,982 |
| Cost of funding earning assets | 0.3829% | 2,031 |
| Net interest margin | 2.6501% | 4,080 |
| Noninterest income to average assets | 0.5474% | 2,416 |
| Noninterest expense to average assets | 2.3494% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5733% | 4,039 |
| Return on assets (ROA) | 0.5733% | 4,091 |
| Pretax return on assets | 0.7421% | 3,987 |
| Return on Equity (ROE) | 4.4001% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.4125% | 3,711 |
| Net charge-offs to loans | -0.0064% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9941% | 1,084 |
| Assets per employee ($millions) | 5.0270% | 3,640 |
| Cash dividends to net income (ytd only)* | 22.4449% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,719 |
| Loan loss allowance to noncurrent loans | 37,857.1429% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,159 |
| Noncurrent loans to loans | 0.0039% | 4,243 |
| Net loans and leases to total assets | 49.3574% | 3,622 |
| Net loans and leases to deposits | 57.4327% | 3,604 |
| Net loans and leases to core deposits | 61.9711% | 3,461 |
| Total domestic deposits to total assets | 85.9395% | 2,760 |
| Equity capital to assets | 12.6086% | 1,086 |
| Core capital (leverage) ratio | 12.6026% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9914% | 429 |
| Memoranda: | ||
| Average total assets | $348,179,333 | 2,212 |
| Average earning assets | $334,249,000 | 2,171 |
| Average equity | $45,362,333 | 1,918 |
| Average total loans | $186,470,333 | 2,377 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 3,862 |
| Cost of funding earning assets | 0.3890% | 2,184 |
| Net interest margin | 2.7206% | 3,919 |
| Noninterest income to average assets | 0.5426% | 2,429 |
| Noninterest expense to average assets | 2.4471% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5403% | 4,094 |
| Return on assets (ROA) | 0.5403% | 4,135 |
| Pretax return on assets | 0.7020% | 4,012 |
| Return on Equity (ROE) | 4.0773% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.0962% | 3,989 |
| Net charge-offs to loans | 0.0063% | 1,670 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 199.6667% | 398 |
| Efficiency ratio | 77.7075% | 974 |
| Assets per employee ($millions) | 4.8375% | 3,818 |
| Cash dividends to net income (ytd only)* | 48.5900% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,913 |
| Loan loss allowance to noncurrent loans | 4,192.0635% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,849 |
| Noncurrent loans to loans | 0.0336% | 4,113 |
| Net loans and leases to total assets | 53.0408% | 3,345 |
| Net loans and leases to deposits | 61.8447% | 3,327 |
| Net loans and leases to core deposits | 67.2552% | 3,133 |
| Total domestic deposits to total assets | 85.7645% | 2,830 |
| Equity capital to assets | 12.9220% | 936 |
| Core capital (leverage) ratio | 13.0381% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4808% | 434 |
| Memoranda: | ||
| Average total assets | $341,297,000 | 2,233 |
| Average earning assets | $326,987,500 | 2,187 |
| Average equity | $45,225,500 | 1,911 |
| Average total loans | $189,057,500 | 2,359 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 3,207 |
| Cost of funding earning assets | 0.4999% | 2,948 |
| Net interest margin | 3.3338% | 2,974 |
| Noninterest income to average assets | 0.5541% | 2,405 |
| Noninterest expense to average assets | 2.5319% | 2,746 |
| Loan and lease loss provision to assets | 0.1674% | 2,289 |
| Net operating income to assets | 0.8403% | 2,939 |
| Return on assets (ROA) | 0.8400% | 3,070 |
| Pretax return on assets | 1.0438% | 2,903 |
| Return on Equity (ROE) | 6.0117% | 3,585 |
| Retained earnings to average equity (ytd only) | 4.5789% | 2,493 |
| Net charge-offs to loans | 0.1578% | 1,040 |
| Credit loss provision to net charge-offs | 171.0098% | 2,313 |
| Earnings coverage of net charge-offs (x) | 12.3779% | 2,338 |
| Efficiency ratio | 67.6375% | 2,278 |
| Assets per employee ($millions) | 4.6430% | 3,770 |
| Cash dividends to net income (ytd only)* | 23.8330% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 2,019 |
| Loan loss allowance to noncurrent loans | 7,554.2857% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 2,989 |
| Noncurrent loans to loans | 0.0184% | 4,272 |
| Net loans and leases to total assets | 56.2645% | 3,270 |
| Net loans and leases to deposits | 65.8166% | 3,289 |
| Net loans and leases to core deposits | 71.7736% | 3,099 |
| Total domestic deposits to total assets | 85.4868% | 2,578 |
| Equity capital to assets | 13.5939% | 902 |
| Core capital (leverage) ratio | 13.3885% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3595% | 420 |
| Memoranda: | ||
| Average total assets | $313,674,400 | 2,224 |
| Average earning assets | $300,080,200 | 2,181 |
| Average equity | $43,831,200 | 1,875 |
| Average total loans | $194,522,800 | 2,296 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 2,956 |
| Cost of funding earning assets | 0.5173% | 3,126 |
| Net interest margin | 3.4894% | 2,622 |
| Noninterest income to average assets | 0.5221% | 2,515 |
| Noninterest expense to average assets | 2.6051% | 2,519 |
| Loan and lease loss provision to assets | 0.2269% | 1,788 |
| Net operating income to assets | 0.8342% | 2,968 |
| Return on assets (ROA) | 0.8345% | 3,094 |
| Pretax return on assets | 1.0342% | 2,953 |
| Return on Equity (ROE) | 5.9284% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.0004% | 3,046 |
| Net charge-offs to loans | 0.1883% | 796 |
| Credit loss provision to net charge-offs | 190.2174% | 2,147 |
| Earnings coverage of net charge-offs (x) | 10.5688% | 2,350 |
| Efficiency ratio | 67.3896% | 2,267 |
| Assets per employee ($millions) | 4.5756% | 3,750 |
| Cash dividends to net income (ytd only)* | 32.5220% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3569% | 1,922 |
| Loan loss allowance to noncurrent loans | 8,359.3750% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 2,909 |
| Noncurrent loans to loans | 0.0162% | 4,366 |
| Net loans and leases to total assets | 59.0270% | 3,319 |
| Net loans and leases to deposits | 69.1021% | 3,390 |
| Net loans and leases to core deposits | 75.4321% | 3,215 |
| Total domestic deposits to total assets | 85.4200% | 2,278 |
| Equity capital to assets | 13.6038% | 972 |
| Core capital (leverage) ratio | 13.3274% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7375% | 471 |
| Memoranda: | ||
| Average total assets | $308,519,000 | 2,228 |
| Average earning assets | $295,633,750 | 2,180 |
| Average equity | $43,428,000 | 1,883 |
| Average total loans | $195,470,000 | 2,274 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,585 |
| Cost of funding earning assets | 0.5367% | 3,309 |
| Net interest margin | 3.7216% | 2,087 |
| Noninterest income to average assets | 0.4921% | 2,609 |
| Noninterest expense to average assets | 2.7140% | 2,343 |
| Loan and lease loss provision to assets | 0.3482% | 1,213 |
| Net operating income to assets | 0.8449% | 2,885 |
| Return on assets (ROA) | 0.8443% | 2,999 |
| Pretax return on assets | 1.0028% | 3,022 |
| Return on Equity (ROE) | 5.9258% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.5983% | 3,123 |
| Net charge-offs to loans | 0.3417% | 473 |
| Credit loss provision to net charge-offs | 157.6577% | 2,091 |
| Earnings coverage of net charge-offs (x) | 6.1201% | 2,462 |
| Efficiency ratio | 66.7537% | 2,408 |
| Assets per employee ($millions) | 4.5059% | 3,783 |
| Cash dividends to net income (ytd only)* | 39.2773% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,032 |
| Loan loss allowance to noncurrent loans | 87,266.6667% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 2,477 |
| Noncurrent loans to loans | 0.0015% | 4,528 |
| Net loans and leases to total assets | 61.5520% | 3,165 |
| Net loans and leases to deposits | 72.0187% | 3,260 |
| Net loans and leases to core deposits | 78.7125% | 3,050 |
| Total domestic deposits to total assets | 85.4668% | 2,223 |
| Equity capital to assets | 13.5820% | 960 |
| Core capital (leverage) ratio | 13.6499% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8511% | 512 |
| Memoranda: | ||
| Average total assets | $301,544,000 | 2,242 |
| Average earning assets | $289,555,667 | 2,189 |
| Average equity | $42,965,000 | 1,884 |
| Average total loans | $194,914,667 | 2,251 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,880 |
| Cost of funding earning assets | 0.5824% | 3,517 |
| Net interest margin | 3.7319% | 2,211 |
| Noninterest income to average assets | 0.5460% | 2,301 |
| Noninterest expense to average assets | 2.9065% | 2,104 |
| Loan and lease loss provision to assets | 0.3102% | 1,001 |
| Net operating income to assets | 0.8356% | 2,767 |
| Return on assets (ROA) | 0.8356% | 2,858 |
| Pretax return on assets | 0.9073% | 3,117 |
| Return on Equity (ROE) | 5.7148% | 3,419 |
| Retained earnings to average equity (ytd only) | 0.9996% | 3,740 |
| Net charge-offs to loans | 0.0314% | 1,760 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 58.8667% | 815 |
| Efficiency ratio | 70.4781% | 2,283 |
| Assets per employee ($millions) | 4.0656% | 3,834 |
| Cash dividends to net income (ytd only)* | 82.5083% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3767% | 1,784 |
| Loan loss allowance to noncurrent loans | 434.9835% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 2,257 |
| Noncurrent loans to loans | 0.3165% | 3,361 |
| Net loans and leases to total assets | 63.6279% | 3,110 |
| Net loans and leases to deposits | 75.1436% | 3,158 |
| Net loans and leases to core deposits | 82.3189% | 2,997 |
| Total domestic deposits to total assets | 84.6751% | 2,534 |
| Equity capital to assets | 14.3869% | 928 |
| Core capital (leverage) ratio | 14.4842% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4207% | 606 |
| Memoranda: | ||
| Average total assets | $290,104,500 | 2,263 |
| Average earning assets | $278,139,500 | 2,208 |
| Average equity | $42,416,000 | 1,898 |
| Average total loans | $191,218,500 | 2,252 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 3,545 |
| Cost of funding earning assets | 0.6451% | 3,438 |
| Net interest margin | 3.6532% | 2,958 |
| Noninterest income to average assets | 0.5717% | 2,362 |
| Noninterest expense to average assets | 2.7971% | 2,610 |
| Loan and lease loss provision to assets | 0.0704% | 2,593 |
| Net operating income to assets | 1.0673% | 2,589 |
| Return on assets (ROA) | 1.0710% | 2,666 |
| Pretax return on assets | 1.2170% | 2,780 |
| Return on Equity (ROE) | 7.5618% | 3,337 |
| Retained earnings to average equity (ytd only) | 5.4254% | 2,210 |
| Net charge-offs to loans | 0.0310% | 2,776 |
| Credit loss provision to net charge-offs | 338.9831% | 816 |
| Earnings coverage of net charge-offs (x) | 61.8136% | 962 |
| Efficiency ratio | 68.5522% | 2,380 |
| Assets per employee ($millions) | 3.8300% | 4,124 |
| Cash dividends to net income (ytd only)* | 28.2523% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,067 |
| Loan loss allowance to noncurrent loans | 885.4015% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 2,778 |
| Noncurrent loans to loans | 0.1435% | 3,954 |
| Net loans and leases to total assets | 66.5212% | 2,894 |
| Net loans and leases to deposits | 79.0048% | 2,905 |
| Net loans and leases to core deposits | 87.2059% | 2,685 |
| Total domestic deposits to total assets | 84.1990% | 2,790 |
| Equity capital to assets | 14.8660% | 828 |
| Core capital (leverage) ratio | 14.5951% | 778 |
| Tier 1 risk-based capital ratio | 21.4591% | 1,090 |
| Total risk-based capital ratio | 22.7004% | 1,070 |
| Memoranda: | ||
| Average total assets | $284,227,600 | 2,255 |
| Average earning assets | $272,966,400 | 2,191 |
| Average equity | $40,255,000 | 1,924 |
| Average total loans | $190,451,000 | 2,229 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 3,672 |
| Cost of funding earning assets | 0.6459% | 3,472 |
| Net interest margin | 3.6470% | 3,104 |
| Noninterest income to average assets | 0.5588% | 2,415 |
| Noninterest expense to average assets | 2.8074% | 2,543 |
| Loan and lease loss provision to assets | 0.0820% | 2,268 |
| Net operating income to assets | 0.9610% | 3,119 |
| Return on assets (ROA) | 0.9657% | 3,179 |
| Pretax return on assets | 1.1766% | 3,057 |
| Return on Equity (ROE) | 6.9035% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.0215% | 3,386 |
| Net charge-offs to loans | 0.0336% | 2,397 |
| Credit loss provision to net charge-offs | 364.5833% | 827 |
| Earnings coverage of net charge-offs (x) | 55.6861% | 1,113 |
| Efficiency ratio | 69.1411% | 2,236 |
| Assets per employee ($millions) | 4.0051% | 3,895 |
| Cash dividends to net income (ytd only)* | 41.7476% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,108 |
| Loan loss allowance to noncurrent loans | 1,218.1818% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 2,938 |
| Noncurrent loans to loans | 0.1044% | 4,172 |
| Net loans and leases to total assets | 64.9437% | 3,182 |
| Net loans and leases to deposits | 76.6813% | 3,232 |
| Net loans and leases to core deposits | 83.8355% | 3,109 |
| Total domestic deposits to total assets | 84.6930% | 2,544 |
| Equity capital to assets | 14.2857% | 1,045 |
| Core capital (leverage) ratio | 14.3370% | 893 |
| Tier 1 risk-based capital ratio | 20.7768% | 1,218 |
| Total risk-based capital ratio | 22.0005% | 1,199 |
| Memoranda: | ||
| Average total assets | $284,430,000 | 2,269 |
| Average earning assets | $273,093,750 | 2,204 |
| Average equity | $39,785,500 | 1,949 |
| Average total loans | $190,324,000 | 2,250 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 3,705 |
| Cost of funding earning assets | 0.6462% | 3,429 |
| Net interest margin | 3.6312% | 3,158 |
| Noninterest income to average assets | 0.5051% | 2,647 |
| Noninterest expense to average assets | 2.8836% | 2,325 |
| Loan and lease loss provision to assets | 0.0706% | 2,405 |
| Net operating income to assets | 0.8953% | 3,304 |
| Return on assets (ROA) | 0.8972% | 3,361 |
| Pretax return on assets | 1.0384% | 3,419 |
| Return on Equity (ROE) | 6.4605% | 3,888 |
| Retained earnings to average equity (ytd only) | 3.6118% | 3,441 |
| Net charge-offs to loans | 0.0388% | 2,107 |
| Credit loss provision to net charge-offs | 270.2703% | 961 |
| Earnings coverage of net charge-offs (x) | 42.3514% | 1,205 |
| Efficiency ratio | 72.2606% | 1,880 |
| Assets per employee ($millions) | 3.7923% | 4,140 |
| Cash dividends to net income (ytd only)* | 44.0945% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,392 |
| Loan loss allowance to noncurrent loans | 935.4582% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 2,335 |
| Noncurrent loans to loans | 0.1309% | 4,094 |
| Net loans and leases to total assets | 66.6044% | 3,026 |
| Net loans and leases to deposits | 78.4779% | 3,115 |
| Net loans and leases to core deposits | 85.6096% | 2,987 |
| Total domestic deposits to total assets | 84.8703% | 2,535 |
| Equity capital to assets | 14.2075% | 1,052 |
| Core capital (leverage) ratio | 14.2775% | 885 |
| Tier 1 risk-based capital ratio | 20.2035% | 1,306 |
| Total risk-based capital ratio | 21.3759% | 1,297 |
| Memoranda: | ||
| Average total assets | $283,118,330 | 2,277 |
| Average earning assets | $271,758,000 | 2,217 |
| Average equity | $39,315,670 | 1,964 |
| Average total loans | $190,536,330 | 2,256 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2598% | 3,677 |
| Cost of funding earning assets | 0.6423% | 3,347 |
| Net interest margin | 3.6175% | 3,197 |
| Noninterest income to average assets | 0.5948% | 2,071 |
| Noninterest expense to average assets | 3.0064% | 1,981 |
| Loan and lease loss provision to assets | 0.0354% | 2,917 |
| Net operating income to assets | 0.7749% | 3,700 |
| Return on assets (ROA) | 0.7760% | 3,743 |
| Pretax return on assets | 1.0238% | 3,367 |
| Return on Equity (ROE) | 5.6540% | 4,133 |
| Retained earnings to average equity (ytd only) | -0.1238% | 4,545 |
| Net charge-offs to loans | 0.0695% | 1,361 |
| Credit loss provision to net charge-offs | 75.7576% | 1,810 |
| Earnings coverage of net charge-offs (x) | 22.6364% | 1,492 |
| Efficiency ratio | 73.9721% | 1,758 |
| Assets per employee ($millions) | 3.9435% | 4,002 |
| Cash dividends to net income (ytd only)* | 102.1898% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,541 |
| Loan loss allowance to noncurrent loans | 1,592.3077% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 2,320 |
| Noncurrent loans to loans | 0.0758% | 4,422 |
| Net loans and leases to total assets | 65.6711% | 3,100 |
| Net loans and leases to deposits | 77.0388% | 3,155 |
| Net loans and leases to core deposits | 83.9717% | 3,029 |
| Total domestic deposits to total assets | 85.2443% | 2,584 |
| Equity capital to assets | 13.7724% | 1,114 |
| Core capital (leverage) ratio | 14.0188% | 949 |
| Tier 1 risk-based capital ratio | 20.0529% | 1,331 |
| Total risk-based capital ratio | 21.2018% | 1,325 |
| Memoranda: | ||
| Average total assets | $282,467,000 | 2,298 |
| Average earning assets | $270,906,500 | 2,234 |
| Average equity | $38,769,000 | 1,979 |
| Average total loans | $189,912,000 | 2,284 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 3,605 |
| Cost of funding earning assets | 0.4754% | 3,511 |
| Net interest margin | 3.6679% | 3,166 |
| Noninterest income to average assets | 0.6834% | 1,918 |
| Noninterest expense to average assets | 2.6894% | 3,060 |
| Loan and lease loss provision to assets | 0.0462% | 3,261 |
| Net operating income to assets | 1.1534% | 2,371 |
| Return on assets (ROA) | 1.1537% | 2,372 |
| Pretax return on assets | 1.4500% | 1,956 |
| Return on Equity (ROE) | 8.7765% | 3,105 |
| Retained earnings to average equity (ytd only) | 7.6399% | 1,400 |
| Net charge-offs to loans | 0.0340% | 2,720 |
| Credit loss provision to net charge-offs | 206.3492% | 1,397 |
| Earnings coverage of net charge-offs (x) | 66.7460% | 960 |
| Efficiency ratio | 64.2584% | 3,151 |
| Assets per employee ($millions) | 3.8494% | 4,102 |
| Cash dividends to net income (ytd only)* | 12.9510% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,592 |
| Loan loss allowance to noncurrent loans | 3,462.1212% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 2,351 |
| Noncurrent loans to loans | 0.0345% | 4,619 |
| Net loans and leases to total assets | 67.1884% | 2,976 |
| Net loans and leases to deposits | 81.1263% | 2,835 |
| Net loans and leases to core deposits | 88.6357% | 2,688 |
| Total domestic deposits to total assets | 82.8195% | 3,388 |
| Equity capital to assets | 13.6760% | 1,080 |
| Core capital (leverage) ratio | 13.9171% | 943 |
| Tier 1 risk-based capital ratio | 19.7382% | 1,350 |
| Total risk-based capital ratio | 20.8729% | 1,349 |
| Memoranda: | ||
| Average total assets | $281,100,200 | 2,263 |
| Average earning assets | $268,381,800 | 2,207 |
| Average equity | $36,950,800 | 1,989 |
| Average total loans | $185,191,200 | 2,294 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 3,704 |
| Cost of funding earning assets | 0.4579% | 3,472 |
| Net interest margin | 3.6211% | 3,298 |
| Noninterest income to average assets | 0.6891% | 1,903 |
| Noninterest expense to average assets | 2.7086% | 2,954 |
| Loan and lease loss provision to assets | 0.0332% | 3,353 |
| Net operating income to assets | 1.1074% | 2,631 |
| Return on assets (ROA) | 1.1074% | 2,643 |
| Pretax return on assets | 1.4020% | 2,225 |
| Return on Equity (ROE) | 8.5106% | 3,325 |
| Retained earnings to average equity (ytd only) | 6.9798% | 2,135 |
| Net charge-offs to loans | 0.0261% | 2,593 |
| Credit loss provision to net charge-offs | 194.4444% | 1,413 |
| Earnings coverage of net charge-offs (x) | 84.0535% | 857 |
| Efficiency ratio | 65.3657% | 2,976 |
| Assets per employee ($millions) | 3.8382% | 4,126 |
| Cash dividends to net income (ytd only)* | 17.9873% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,646 |
| Loan loss allowance to noncurrent loans | 567.2544% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,463 |
| Noncurrent loans to loans | 0.2108% | 3,954 |
| Net loans and leases to total assets | 66.4126% | 3,133 |
| Net loans and leases to deposits | 77.8639% | 3,248 |
| Net loans and leases to core deposits | 83.0481% | 3,245 |
| Total domestic deposits to total assets | 85.2931% | 2,491 |
| Equity capital to assets | 13.2600% | 1,227 |
| Core capital (leverage) ratio | 13.7288% | 1,017 |
| Tier 1 risk-based capital ratio | 19.3062% | 1,474 |
| Total risk-based capital ratio | 20.4256% | 1,463 |
| Memoranda: | ||
| Average total assets | $281,124,250 | 2,270 |
| Average earning assets | $268,202,750 | 2,223 |
| Average equity | $36,581,000 | 2,003 |
| Average total loans | $183,717,250 | 2,319 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,635 |
| Cost of funding earning assets | 0.4516% | 3,342 |
| Net interest margin | 3.5922% | 3,355 |
| Noninterest income to average assets | 0.7234% | 1,776 |
| Noninterest expense to average assets | 2.7331% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0997% | 2,583 |
| Return on assets (ROA) | 1.1008% | 2,587 |
| Pretax return on assets | 1.4170% | 2,093 |
| Return on Equity (ROE) | 8.5133% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.3041% | 1,917 |
| Net charge-offs to loans | 0.0472% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 46.3256% | 1,188 |
| Efficiency ratio | 65.8787% | 3,005 |
| Assets per employee ($millions) | 3.8460% | 4,136 |
| Cash dividends to net income (ytd only)* | 14.2027% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,850 |
| Loan loss allowance to noncurrent loans | 3,686.4407% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,361 |
| Noncurrent loans to loans | 0.0319% | 4,775 |
| Net loans and leases to total assets | 65.1122% | 3,264 |
| Net loans and leases to deposits | 76.1439% | 3,309 |
| Net loans and leases to core deposits | 81.4456% | 3,289 |
| Total domestic deposits to total assets | 85.5120% | 2,490 |
| Equity capital to assets | 13.0957% | 1,257 |
| Core capital (leverage) ratio | 13.4566% | 1,075 |
| Tier 1 risk-based capital ratio | 18.9351% | 1,561 |
| Total risk-based capital ratio | 20.0116% | 1,567 |
| Memoranda: | ||
| Average total assets | $281,436,330 | 2,275 |
| Average earning assets | $268,360,670 | 2,219 |
| Average equity | $36,390,330 | 2,017 |
| Average total loans | $182,179,000 | 2,334 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 3,625 |
| Cost of funding earning assets | 0.4468% | 3,224 |
| Net interest margin | 3.5479% | 3,351 |
| Noninterest income to average assets | 0.7410% | 1,655 |
| Noninterest expense to average assets | 2.8434% | 2,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0682% | 2,572 |
| Return on assets (ROA) | 1.0718% | 2,570 |
| Pretax return on assets | 1.2833% | 2,431 |
| Return on Equity (ROE) | 8.3421% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.9113% | 2,751 |
| Net charge-offs to loans | 0.0708% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.1563% | 1,277 |
| Efficiency ratio | 68.9738% | 2,669 |
| Assets per employee ($millions) | 3.8341% | 4,241 |
| Cash dividends to net income (ytd only)* | 29.1391% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,717 |
| Loan loss allowance to noncurrent loans | 1,324.8485% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 3,255 |
| Noncurrent loans to loans | 0.0918% | 4,563 |
| Net loans and leases to total assets | 62.6110% | 3,474 |
| Net loans and leases to deposits | 72.8606% | 3,524 |
| Net loans and leases to core deposits | 78.0272% | 3,491 |
| Total domestic deposits to total assets | 85.9325% | 2,571 |
| Equity capital to assets | 12.7359% | 1,369 |
| Core capital (leverage) ratio | 13.2478% | 1,091 |
| Tier 1 risk-based capital ratio | 18.9388% | 1,563 |
| Total risk-based capital ratio | 20.0439% | 1,567 |
| Memoranda: | ||
| Average total assets | $281,776,000 | 2,290 |
| Average earning assets | $268,554,500 | 2,244 |
| Average equity | $36,202,000 | 2,030 |
| Average total loans | $180,777,500 | 2,357 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 3,782 |
| Cost of funding earning assets | 0.4295% | 2,962 |
| Net interest margin | 3.4528% | 3,681 |
| Noninterest income to average assets | 0.6947% | 1,985 |
| Noninterest expense to average assets | 2.6305% | 3,351 |
| Loan and lease loss provision to assets | 0.0711% | 2,783 |
| Net operating income to assets | 0.9983% | 2,250 |
| Return on assets (ROA) | 1.0073% | 2,248 |
| Pretax return on assets | 1.3012% | 2,346 |
| Return on Equity (ROE) | 8.0728% | 2,762 |
| Retained earnings to average equity (ytd only) | 6.2504% | 1,411 |
| Net charge-offs to loans | 0.1091% | 1,977 |
| Credit loss provision to net charge-offs | 103.6269% | 2,469 |
| Earnings coverage of net charge-offs (x) | 19.8394% | 2,002 |
| Efficiency ratio | 65.9099% | 3,288 |
| Assets per employee ($millions) | 3.7814% | 4,310 |
| Cash dividends to net income (ytd only)* | 22.5750% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,661 |
| Loan loss allowance to noncurrent loans | 554.5000% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 2,208 |
| Noncurrent loans to loans | 0.2201% | 4,025 |
| Net loans and leases to total assets | 64.1496% | 3,349 |
| Net loans and leases to deposits | 75.8051% | 3,348 |
| Net loans and leases to core deposits | 81.3383% | 3,306 |
| Total domestic deposits to total assets | 84.6244% | 2,988 |
| Equity capital to assets | 12.9612% | 1,286 |
| Core capital (leverage) ratio | 13.1401% | 1,099 |
| Tier 1 risk-based capital ratio | 18.6824% | 1,593 |
| Total risk-based capital ratio | 19.8045% | 1,582 |
| Memoranda: | ||
| Average total assets | $281,432,800 | 2,281 |
| Average earning assets | $268,678,200 | 2,218 |
| Average equity | $35,118,000 | 2,074 |
| Average total loans | $176,827,600 | 2,363 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 3,943 |
| Cost of funding earning assets | 0.4258% | 2,917 |
| Net interest margin | 3.3929% | 3,869 |
| Noninterest income to average assets | 0.6188% | 2,367 |
| Noninterest expense to average assets | 2.5712% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8857% | 3,103 |
| Return on assets (ROA) | 0.8932% | 3,114 |
| Pretax return on assets | 1.3000% | 2,493 |
| Return on Equity (ROE) | 7.2273% | 3,532 |
| Retained earnings to average equity (ytd only) | 4.7773% | 3,030 |
| Net charge-offs to loans | -0.0061% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6054% | 3,105 |
| Assets per employee ($millions) | 3.7889% | 4,321 |
| Cash dividends to net income (ytd only)* | 33.8982% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,849 |
| Loan loss allowance to noncurrent loans | 260.7521% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 2,294 |
| Noncurrent loans to loans | 0.4653% | 3,306 |
| Net loans and leases to total assets | 63.5796% | 3,474 |
| Net loans and leases to deposits | 73.7838% | 3,598 |
| Net loans and leases to core deposits | 79.0986% | 3,528 |
| Total domestic deposits to total assets | 86.1702% | 2,244 |
| Equity capital to assets | 12.6098% | 1,602 |
| Core capital (leverage) ratio | 12.6866% | 1,337 |
| Tier 1 risk-based capital ratio | 18.0300% | 1,844 |
| Total risk-based capital ratio | 19.1441% | 1,835 |
| Memoranda: | ||
| Average total assets | $281,834,250 | 2,293 |
| Average earning assets | $269,264,000 | 2,228 |
| Average equity | $34,830,250 | 2,096 |
| Average total loans | $175,603,000 | 2,383 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 4,054 |
| Cost of funding earning assets | 0.4187% | 2,902 |
| Net interest margin | 3.3371% | 3,992 |
| Noninterest income to average assets | 0.6369% | 2,278 |
| Noninterest expense to average assets | 2.5959% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8115% | 3,350 |
| Return on assets (ROA) | 0.8148% | 3,386 |
| Pretax return on assets | 1.2332% | 2,646 |
| Return on Equity (ROE) | 6.6385% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.8555% | 3,398 |
| Net charge-offs to loans | 0.0127% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 156.9091% | 484 |
| Efficiency ratio | 67.8824% | 3,033 |
| Assets per employee ($millions) | 3.8502% | 4,202 |
| Cash dividends to net income (ytd only)* | 41.9214% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,924 |
| Loan loss allowance to noncurrent loans | 202.3919% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 2,140 |
| Noncurrent loans to loans | 0.6006% | 2,927 |
| Net loans and leases to total assets | 62.7482% | 3,541 |
| Net loans and leases to deposits | 72.4901% | 3,687 |
| Net loans and leases to core deposits | 77.5757% | 3,636 |
| Total domestic deposits to total assets | 86.5610% | 2,146 |
| Equity capital to assets | 12.4018% | 1,669 |
| Core capital (leverage) ratio | 12.4079% | 1,411 |
| Tier 1 risk-based capital ratio | 17.7958% | 1,925 |
| Total risk-based capital ratio | 18.9041% | 1,915 |
| Memoranda: | ||
| Average total assets | $281,056,330 | 2,307 |
| Average earning assets | $268,438,000 | 2,246 |
| Average equity | $34,496,000 | 2,112 |
| Average total loans | $173,173,330 | 2,416 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6962% | 4,129 |
| Cost of funding earning assets | 0.4144% | 2,863 |
| Net interest margin | 3.2818% | 4,076 |
| Noninterest income to average assets | 0.5575% | 2,622 |
| Noninterest expense to average assets | 2.7056% | 3,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6449% | 3,955 |
| Return on assets (ROA) | 0.6449% | 3,988 |
| Pretax return on assets | 0.9845% | 3,431 |
| Return on Equity (ROE) | 5.2822% | 4,264 |
| Retained earnings to average equity (ytd only) | -0.3521% | 4,974 |
| Net charge-offs to loans | -0.0047% | 4,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3204% | 2,353 |
| Assets per employee ($millions) | 3.9085% | 4,169 |
| Cash dividends to net income (ytd only)* | 106.6667% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,562 |
| Loan loss allowance to noncurrent loans | 293.8911% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,456 |
| Noncurrent loans to loans | 0.4406% | 3,512 |
| Net loans and leases to total assets | 59.1261% | 3,872 |
| Net loans and leases to deposits | 67.8821% | 4,003 |
| Net loans and leases to core deposits | 72.3346% | 3,960 |
| Total domestic deposits to total assets | 87.1011% | 2,160 |
| Equity capital to assets | 11.9908% | 1,854 |
| Core capital (leverage) ratio | 12.0849% | 1,570 |
| Tier 1 risk-based capital ratio | 18.1450% | 1,820 |
| Total risk-based capital ratio | 19.3332% | 1,809 |
| Memoranda: | ||
| Average total assets | $279,125,500 | 2,334 |
| Average earning assets | $266,437,500 | 2,270 |
| Average equity | $34,076,500 | 2,145 |
| Average total loans | $169,269,500 | 2,467 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,321 |
| Cost of funding earning assets | 0.4188% | 2,817 |
| Net interest margin | 3.2484% | 4,305 |
| Noninterest income to average assets | 0.6059% | 2,628 |
| Noninterest expense to average assets | 2.5626% | 3,800 |
| Loan and lease loss provision to assets | 0.0007% | 4,327 |
| Net operating income to assets | 0.7735% | 3,436 |
| Return on assets (ROA) | 0.8191% | 3,317 |
| Pretax return on assets | 1.1918% | 2,707 |
| Return on Equity (ROE) | 6.7750% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.8253% | 1,807 |
| Net charge-offs to loans | 0.0265% | 3,502 |
| Credit loss provision to net charge-offs | 4.5455% | 3,767 |
| Earnings coverage of net charge-offs (x) | 71.3636% | 779 |
| Efficiency ratio | 69.4642% | 2,999 |
| Assets per employee ($millions) | 3.6883% | 4,497 |
| Cash dividends to net income (ytd only)* | 14.0166% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,435 |
| Loan loss allowance to noncurrent loans | 369.1152% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 2,496 |
| Noncurrent loans to loans | 0.3573% | 3,851 |
| Net loans and leases to total assets | 60.6074% | 3,786 |
| Net loans and leases to deposits | 69.9411% | 3,908 |
| Net loans and leases to core deposits | 74.4307% | 3,887 |
| Total domestic deposits to total assets | 86.6549% | 2,309 |
| Equity capital to assets | 12.4357% | 1,559 |
| Core capital (leverage) ratio | 12.5032% | 1,331 |
| Tier 1 risk-based capital ratio | 19.0523% | 1,585 |
| Total risk-based capital ratio | 20.2676% | 1,559 |
| Memoranda: | ||
| Average total assets | $278,736,000 | 2,292 |
| Average earning assets | $264,557,600 | 2,250 |
| Average equity | $33,697,600 | 2,146 |
| Average total loans | $165,889,600 | 2,456 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6573% | 4,378 |
| Cost of funding earning assets | 0.4190% | 2,847 |
| Net interest margin | 3.2384% | 4,381 |
| Noninterest income to average assets | 0.5896% | 2,714 |
| Noninterest expense to average assets | 2.4864% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7806% | 3,454 |
| Return on assets (ROA) | 0.8270% | 3,375 |
| Pretax return on assets | 1.2449% | 2,636 |
| Return on Equity (ROE) | 6.8891% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.6207% | 2,419 |
| Net charge-offs to loans | 0.0338% | 2,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 58.7604% | 975 |
| Efficiency ratio | 67.9189% | 3,236 |
| Assets per employee ($millions) | 3.9011% | 4,127 |
| Cash dividends to net income (ytd only)* | 18.4121% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 2,413 |
| Loan loss allowance to noncurrent loans | 288.6423% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8413% | 2,442 |
| Noncurrent loans to loans | 0.4694% | 3,606 |
| Net loans and leases to total assets | 57.3152% | 4,166 |
| Net loans and leases to deposits | 66.6189% | 4,288 |
| Net loans and leases to core deposits | 70.9136% | 4,256 |
| Total domestic deposits to total assets | 86.0343% | 2,332 |
| Equity capital to assets | 12.3326% | 1,876 |
| Core capital (leverage) ratio | 12.0607% | 1,636 |
| Tier 1 risk-based capital ratio | 19.0895% | 1,656 |
| Total risk-based capital ratio | 20.3267% | 1,610 |
| Memoranda: | ||
| Average total assets | $280,187,000 | 2,291 |
| Average earning assets | $265,723,000 | 2,254 |
| Average equity | $33,636,750 | 2,167 |
| Average total loans | $165,455,000 | 2,464 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 4,467 |
| Cost of funding earning assets | 0.4168% | 2,868 |
| Net interest margin | 3.2268% | 4,458 |
| Noninterest income to average assets | 0.5644% | 2,827 |
| Noninterest expense to average assets | 2.4961% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7436% | 3,579 |
| Return on assets (ROA) | 0.7780% | 3,559 |
| Pretax return on assets | 1.1788% | 2,867 |
| Return on Equity (ROE) | 6.5401% | 3,782 |
| Retained earnings to average equity (ytd only) | 5.3390% | 2,524 |
| Net charge-offs to loans | 0.0421% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 45.0571% | 1,066 |
| Efficiency ratio | 68.9016% | 3,171 |
| Assets per employee ($millions) | 3.9804% | 3,949 |
| Cash dividends to net income (ytd only)* | 18.3655% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3353% | 2,596 |
| Loan loss allowance to noncurrent loans | 246.9933% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 2,418 |
| Noncurrent loans to loans | 0.5406% | 3,453 |
| Net loans and leases to total assets | 57.1875% | 4,199 |
| Net loans and leases to deposits | 66.0223% | 4,342 |
| Net loans and leases to core deposits | 70.6250% | 4,284 |
| Total domestic deposits to total assets | 86.6185% | 2,101 |
| Equity capital to assets | 11.8937% | 2,205 |
| Core capital (leverage) ratio | 11.8522% | 1,728 |
| Tier 1 risk-based capital ratio | 18.5326% | 1,790 |
| Total risk-based capital ratio | 19.7564% | 1,765 |
| Memoranda: | ||
| Average total assets | $279,955,330 | 2,302 |
| Average earning assets | $265,339,000 | 2,263 |
| Average equity | $33,302,330 | 2,184 |
| Average total loans | $166,207,000 | 2,457 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 4,379 |
| Cost of funding earning assets | 0.4151% | 2,903 |
| Net interest margin | 3.2677% | 4,338 |
| Noninterest income to average assets | 0.6536% | 2,245 |
| Noninterest expense to average assets | 2.6489% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7217% | 3,611 |
| Return on assets (ROA) | 0.7895% | 3,402 |
| Pretax return on assets | 1.2030% | 2,690 |
| Return on Equity (ROE) | 6.6362% | 3,652 |
| Retained earnings to average equity (ytd only) | 4.2053% | 3,373 |
| Net charge-offs to loans | -0.0313% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6518% | 3,016 |
| Assets per employee ($millions) | 3.9902% | 3,963 |
| Cash dividends to net income (ytd only)* | 36.6300% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 2,588 |
| Loan loss allowance to noncurrent loans | 274.6667% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 2,097 |
| Noncurrent loans to loans | 0.4966% | 3,686 |
| Net loans and leases to total assets | 57.8443% | 4,060 |
| Net loans and leases to deposits | 66.5620% | 4,201 |
| Net loans and leases to core deposits | 71.1142% | 4,147 |
| Total domestic deposits to total assets | 86.9029% | 2,253 |
| Equity capital to assets | 11.7374% | 2,212 |
| Core capital (leverage) ratio | 12.0835% | 1,556 |
| Tier 1 risk-based capital ratio | 18.4228% | 1,878 |
| Total risk-based capital ratio | 19.6728% | 1,834 |
| Memoranda: | ||
| Average total assets | $276,638,500 | 2,332 |
| Average earning assets | $262,083,500 | 2,288 |
| Average equity | $32,910,500 | 2,200 |
| Average total loans | $166,255,000 | 2,453 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 3,987 |
| Cost of funding earning assets | 0.4280% | 2,863 |
| Net interest margin | 3.3909% | 3,947 |
| Noninterest income to average assets | 0.6777% | 2,305 |
| Noninterest expense to average assets | 2.6079% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8532% | 3,094 |
| Return on assets (ROA) | 0.8870% | 3,026 |
| Pretax return on assets | 1.3341% | 2,150 |
| Return on Equity (ROE) | 7.3155% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.1094% | 1,738 |
| Net charge-offs to loans | 0.1574% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 13.1779% | 2,393 |
| Efficiency ratio | 67.0260% | 3,742 |
| Assets per employee ($millions) | 3.6482% | 4,568 |
| Cash dividends to net income (ytd only)* | 16.4859% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,648 |
| Loan loss allowance to noncurrent loans | 361.6372% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 2,123 |
| Noncurrent loans to loans | 0.3745% | 4,104 |
| Net loans and leases to total assets | 60.7897% | 3,726 |
| Net loans and leases to deposits | 70.1741% | 3,903 |
| Net loans and leases to core deposits | 75.2344% | 3,828 |
| Total domestic deposits to total assets | 86.6270% | 2,309 |
| Equity capital to assets | 12.0636% | 1,910 |
| Core capital (leverage) ratio | 12.2469% | 1,483 |
| Tier 1 risk-based capital ratio | 18.3643% | 1,867 |
| Total risk-based capital ratio | 19.6145% | 1,818 |
| Memoranda: | ||
| Average total assets | $259,866,000 | 2,423 |
| Average earning assets | $246,248,600 | 2,374 |
| Average equity | $31,508,600 | 2,225 |
| Average total loans | $160,705,800 | 2,458 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 4,011 |
| Cost of funding earning assets | 0.4312% | 2,892 |
| Net interest margin | 3.3948% | 3,981 |
| Noninterest income to average assets | 0.6948% | 2,249 |
| Noninterest expense to average assets | 2.6139% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8565% | 3,142 |
| Return on assets (ROA) | 0.8989% | 3,051 |
| Pretax return on assets | 1.3637% | 2,163 |
| Return on Equity (ROE) | 7.4040% | 3,399 |
| Retained earnings to average equity (ytd only) | 5.7823% | 2,377 |
| Net charge-offs to loans | 0.2051% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.2367% | 2,614 |
| Efficiency ratio | 66.7947% | 3,753 |
| Assets per employee ($millions) | 3.5415% | 4,717 |
| Cash dividends to net income (ytd only)* | 21.9018% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,714 |
| Loan loss allowance to noncurrent loans | 374.9585% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 2,270 |
| Noncurrent loans to loans | 0.3670% | 4,301 |
| Net loans and leases to total assets | 61.8249% | 3,635 |
| Net loans and leases to deposits | 71.4748% | 3,826 |
| Net loans and leases to core deposits | 76.8552% | 3,705 |
| Total domestic deposits to total assets | 86.4989% | 2,281 |
| Equity capital to assets | 12.2095% | 1,953 |
| Core capital (leverage) ratio | 12.2855% | 1,523 |
| Tier 1 risk-based capital ratio | 18.5715% | 1,879 |
| Total risk-based capital ratio | 19.8224% | 1,846 |
| Memoranda: | ||
| Average total assets | $257,340,000 | 2,461 |
| Average earning assets | $243,973,250 | 2,407 |
| Average equity | $31,243,750 | 2,254 |
| Average total loans | $159,290,500 | 2,485 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8529% | 3,855 |
| Cost of funding earning assets | 0.4354% | 2,894 |
| Net interest margin | 3.4174% | 3,841 |
| Noninterest income to average assets | 0.6522% | 2,468 |
| Noninterest expense to average assets | 2.6634% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8015% | 3,378 |
| Return on assets (ROA) | 0.8610% | 3,178 |
| Pretax return on assets | 1.3208% | 2,285 |
| Return on Equity (ROE) | 7.1050% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.4271% | 2,581 |
| Net charge-offs to loans | 0.3286% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.0695% | 2,828 |
| Efficiency ratio | 68.4211% | 3,609 |
| Assets per employee ($millions) | 3.5048% | 4,778 |
| Cash dividends to net income (ytd only)* | 23.6149% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 2,643 |
| Loan loss allowance to noncurrent loans | 319.1761% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 2,391 |
| Noncurrent loans to loans | 0.4462% | 4,136 |
| Net loans and leases to total assets | 59.9627% | 3,838 |
| Net loans and leases to deposits | 69.0746% | 4,033 |
| Net loans and leases to core deposits | 74.4045% | 3,917 |
| Total domestic deposits to total assets | 86.8086% | 2,265 |
| Equity capital to assets | 12.0158% | 2,015 |
| Core capital (leverage) ratio | 12.2293% | 1,524 |
| Tier 1 risk-based capital ratio | 19.4507% | 1,683 |
| Total risk-based capital ratio | 20.7021% | 1,651 |
| Memoranda: | ||
| Average total assets | $255,762,000 | 2,492 |
| Average earning assets | $242,521,330 | 2,439 |
| Average equity | $30,992,330 | 2,279 |
| Average total loans | $157,624,670 | 2,512 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,721 |
| Cost of funding earning assets | 0.4478% | 2,787 |
| Net interest margin | 3.4284% | 3,725 |
| Noninterest income to average assets | 0.6347% | 2,474 |
| Noninterest expense to average assets | 2.7059% | 3,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7642% | 3,460 |
| Return on assets (ROA) | 0.7765% | 3,522 |
| Pretax return on assets | 1.2033% | 2,651 |
| Return on Equity (ROE) | 6.3805% | 3,839 |
| Retained earnings to average equity (ytd only) | 3.0155% | 4,171 |
| Net charge-offs to loans | 0.0889% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.4857% | 1,377 |
| Efficiency ratio | 69.5547% | 3,565 |
| Assets per employee ($millions) | 3.5421% | 4,825 |
| Cash dividends to net income (ytd only)* | 52.7383% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 2,139 |
| Loan loss allowance to noncurrent loans | 356.0519% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0148% | 2,591 |
| Noncurrent loans to loans | 0.4428% | 4,266 |
| Net loans and leases to total assets | 59.6624% | 3,703 |
| Net loans and leases to deposits | 68.6923% | 3,893 |
| Net loans and leases to core deposits | 73.9081% | 3,783 |
| Total domestic deposits to total assets | 86.8545% | 2,450 |
| Equity capital to assets | 12.0681% | 1,983 |
| Core capital (leverage) ratio | 12.1404% | 1,553 |
| Tier 1 risk-based capital ratio | 19.9449% | 1,634 |
| Total risk-based capital ratio | 21.2347% | 1,592 |
| Memoranda: | ||
| Average total assets | $253,964,000 | 2,528 |
| Average earning assets | $241,165,000 | 2,461 |
| Average equity | $30,906,500 | 2,298 |
| Average total loans | $157,554,500 | 2,521 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 3,058 |
| Cost of funding earning assets | 0.4736% | 2,945 |
| Net interest margin | 3.6921% | 3,033 |
| Noninterest income to average assets | 0.7364% | 2,141 |
| Noninterest expense to average assets | 2.6338% | 4,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9222% | 2,764 |
| Return on assets (ROA) | 0.9417% | 2,758 |
| Pretax return on assets | 1.6053% | 1,220 |
| Return on Equity (ROE) | 8.0908% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.8082% | 1,492 |
| Net charge-offs to loans | -0.3111% | 6,339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5808% | 4,818 |
| Assets per employee ($millions) | 3.4632% | 4,955 |
| Cash dividends to net income (ytd only)* | 15.8521% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 2,151 |
| Loan loss allowance to noncurrent loans | 358.0000% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 1.0439% | 2,654 |
| Noncurrent loans to loans | 0.4420% | 4,316 |
| Net loans and leases to total assets | 62.5058% | 3,439 |
| Net loans and leases to deposits | 72.1270% | 3,669 |
| Net loans and leases to core deposits | 77.8222% | 3,538 |
| Total domestic deposits to total assets | 86.6607% | 2,480 |
| Equity capital to assets | 12.2750% | 1,804 |
| Core capital (leverage) ratio | 12.1998% | 1,499 |
| Tier 1 risk-based capital ratio | 18.9251% | 1,871 |
| Total risk-based capital ratio | 20.1785% | 1,830 |
| Memoranda: | ||
| Average total assets | $249,865,000 | 2,526 |
| Average earning assets | $234,987,400 | 2,465 |
| Average equity | $29,082,400 | 2,338 |
| Average total loans | $160,072,800 | 2,423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 3,018 |
| Cost of funding earning assets | 0.4756% | 2,999 |
| Net interest margin | 3.7171% | 2,953 |
| Noninterest income to average assets | 0.7152% | 2,255 |
| Noninterest expense to average assets | 2.6523% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0041% | 2,437 |
| Return on assets (ROA) | 1.0245% | 2,403 |
| Pretax return on assets | 1.5835% | 1,377 |
| Return on Equity (ROE) | 8.9240% | 2,735 |
| Retained earnings to average equity (ytd only) | 7.1912% | 1,721 |
| Net charge-offs to loans | -0.0291% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0851% | 4,705 |
| Assets per employee ($millions) | 3.4853% | 4,892 |
| Cash dividends to net income (ytd only)* | 19.4169% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 3,825 |
| Loan loss allowance to noncurrent loans | 273.8606% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 2,873 |
| Noncurrent loans to loans | 0.4631% | 4,516 |
| Net loans and leases to total assets | 63.3828% | 3,284 |
| Net loans and leases to deposits | 72.9401% | 3,574 |
| Net loans and leases to core deposits | 78.7788% | 3,464 |
| Total domestic deposits to total assets | 86.8971% | 2,374 |
| Equity capital to assets | 11.9150% | 2,133 |
| Core capital (leverage) ratio | 12.1145% | 1,626 |
| Tier 1 risk-based capital ratio | 18.1995% | 2,148 |
| Total risk-based capital ratio | 19.4250% | 2,115 |
| Memoranda: | ||
| Average total assets | $249,993,000 | 2,540 |
| Average earning assets | $234,659,250 | 2,492 |
| Average equity | $28,701,000 | 2,373 |
| Average total loans | $160,499,500 | 2,440 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,970 |
| Cost of funding earning assets | 0.4742% | 3,073 |
| Net interest margin | 3.7208% | 2,875 |
| Noninterest income to average assets | 0.9140% | 1,450 |
| Noninterest expense to average assets | 2.6883% | 3,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1144% | 1,879 |
| Return on assets (ROA) | 1.1295% | 1,914 |
| Pretax return on assets | 1.7310% | 960 |
| Return on Equity (ROE) | 9.9642% | 2,164 |
| Retained earnings to average equity (ytd only) | 8.2116% | 1,243 |
| Net charge-offs to loans | -0.0125% | 5,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1516% | 5,123 |
| Assets per employee ($millions) | 3.5433% | 4,765 |
| Cash dividends to net income (ytd only)* | 17.5887% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 4,067 |
| Loan loss allowance to noncurrent loans | 223.4773% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.1452% | 2,787 |
| Noncurrent loans to loans | 0.5649% | 4,323 |
| Net loans and leases to total assets | 62.7417% | 3,283 |
| Net loans and leases to deposits | 71.9555% | 3,575 |
| Net loans and leases to core deposits | 77.6649% | 3,479 |
| Total domestic deposits to total assets | 87.1951% | 2,350 |
| Equity capital to assets | 11.6585% | 2,278 |
| Core capital (leverage) ratio | 11.8938% | 1,722 |
| Tier 1 risk-based capital ratio | 18.0899% | 2,211 |
| Total risk-based capital ratio | 19.3086% | 2,192 |
| Memoranda: | ||
| Average total assets | $249,675,670 | 2,547 |
| Average earning assets | $233,661,330 | 2,504 |
| Average equity | $28,301,330 | 2,389 |
| Average total loans | $160,299,670 | 2,444 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 2,879 |
| Cost of funding earning assets | 0.4790% | 3,121 |
| Net interest margin | 3.7202% | 2,785 |
| Noninterest income to average assets | 0.7140% | 2,106 |
| Noninterest expense to average assets | 2.7693% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0084% | 2,179 |
| Return on assets (ROA) | 1.0164% | 2,208 |
| Pretax return on assets | 1.4281% | 1,649 |
| Return on Equity (ROE) | 9.0978% | 2,415 |
| Retained earnings to average equity (ytd only) | 5.5278% | 2,773 |
| Net charge-offs to loans | -0.0050% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1544% | 4,506 |
| Assets per employee ($millions) | 3.5024% | 4,916 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,404 |
| Loan loss allowance to noncurrent loans | 312.1118% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1480% | 2,963 |
| Noncurrent loans to loans | 0.3992% | 4,939 |
| Net loans and leases to total assets | 63.1833% | 3,038 |
| Net loans and leases to deposits | 72.1153% | 3,323 |
| Net loans and leases to core deposits | 77.5053% | 3,248 |
| Total domestic deposits to total assets | 87.6144% | 2,448 |
| Equity capital to assets | 11.1718% | 2,555 |
| Core capital (leverage) ratio | 11.7393% | 1,810 |
| Tier 1 risk-based capital ratio | 17.4297% | 2,499 |
| Total risk-based capital ratio | 18.6305% | 2,492 |
| Memoranda: | ||
| Average total assets | $248,725,500 | 2,569 |
| Average earning assets | $232,136,000 | 2,525 |
| Average equity | $27,787,000 | 2,419 |
| Average total loans | $160,519,000 | 2,452 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,383 |
| Cost of funding earning assets | 0.5059% | 3,543 |
| Net interest margin | 3.6836% | 3,120 |
| Noninterest income to average assets | 0.6522% | 2,798 |
| Noninterest expense to average assets | 2.7543% | 3,891 |
| Loan and lease loss provision to assets | 0.1238% | 2,763 |
| Net operating income to assets | 1.0868% | 1,972 |
| Return on assets (ROA) | 1.0923% | 2,032 |
| Pretax return on assets | 1.2252% | 2,482 |
| Return on Equity (ROE) | 9.8604% | 2,166 |
| Retained earnings to average equity (ytd only) | 9.1902% | 736 |
| Net charge-offs to loans | 0.1953% | 2,901 |
| Credit loss provision to net charge-offs | 95.8466% | 2,605 |
| Earnings coverage of net charge-offs (x) | 10.3994% | 2,376 |
| Efficiency ratio | 67.2271% | 4,339 |
| Assets per employee ($millions) | 3.4067% | 5,070 |
| Cash dividends to net income (ytd only)* | 6.7976% | 4,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,359 |
| Loan loss allowance to noncurrent loans | 316.7192% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 2,622 |
| Noncurrent loans to loans | 0.3970% | 5,017 |
| Net loans and leases to total assets | 64.2898% | 2,994 |
| Net loans and leases to deposits | 73.4210% | 3,342 |
| Net loans and leases to core deposits | 79.3034% | 3,203 |
| Total domestic deposits to total assets | 87.5632% | 2,441 |
| Equity capital to assets | 11.1717% | 2,454 |
| Core capital (leverage) ratio | 11.6512% | 1,857 |
| Tier 1 risk-based capital ratio | 17.2420% | 2,512 |
| Total risk-based capital ratio | 18.4444% | 2,503 |
| Memoranda: | ||
| Average total assets | $242,418,000 | 2,599 |
| Average earning assets | $226,706,800 | 2,547 |
| Average equity | $26,854,800 | 2,474 |
| Average total loans | $160,248,200 | 2,419 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 3,505 |
| Cost of funding earning assets | 0.5089% | 3,686 |
| Net interest margin | 3.6574% | 3,204 |
| Noninterest income to average assets | 0.6322% | 2,980 |
| Noninterest expense to average assets | 2.7217% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9307% | 2,684 |
| Return on assets (ROA) | 0.9361% | 2,771 |
| Pretax return on assets | 1.3432% | 2,155 |
| Return on Equity (ROE) | 8.4685% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.5703% | 1,604 |
| Net charge-offs to loans | -0.1438% | 6,582 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0836% | 4,287 |
| Assets per employee ($millions) | 3.4002% | 5,064 |
| Cash dividends to net income (ytd only)* | 10.6068% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 4,077 |
| Loan loss allowance to noncurrent loans | 107.0244% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.8198% | 2,247 |
| Noncurrent loans to loans | 1.2715% | 3,281 |
| Net loans and leases to total assets | 64.0702% | 2,993 |
| Net loans and leases to deposits | 73.0491% | 3,397 |
| Net loans and leases to core deposits | 78.7324% | 3,266 |
| Total domestic deposits to total assets | 87.7085% | 2,295 |
| Equity capital to assets | 10.8178% | 2,937 |
| Core capital (leverage) ratio | 11.3189% | 2,180 |
| Tier 1 risk-based capital ratio | 16.7175% | 2,854 |
| Total risk-based capital ratio | 17.9683% | 2,801 |
| Memoranda: | ||
| Average total assets | $241,702,500 | 2,631 |
| Average earning assets | $226,345,250 | 2,560 |
| Average equity | $26,718,000 | 2,508 |
| Average total loans | $160,385,750 | 2,430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,488 |
| Cost of funding earning assets | 0.5207% | 3,699 |
| Net interest margin | 3.6439% | 3,200 |
| Noninterest income to average assets | 0.4843% | 3,936 |
| Noninterest expense to average assets | 2.7136% | 3,980 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8607% | 2,987 |
| Return on assets (ROA) | 0.8692% | 3,105 |
| Pretax return on assets | 1.1948% | 2,699 |
| Return on Equity (ROE) | 7.8055% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.2056% | 1,788 |
| Net charge-offs to loans | -0.2498% | 6,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6379% | 3,895 |
| Assets per employee ($millions) | 3.2972% | 5,267 |
| Cash dividends to net income (ytd only)* | 7.6849% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,082 |
| Loan loss allowance to noncurrent loans | 90.1380% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.1247% | 2,028 |
| Noncurrent loans to loans | 1.5424% | 2,989 |
| Net loans and leases to total assets | 64.5641% | 2,828 |
| Net loans and leases to deposits | 73.5503% | 3,221 |
| Net loans and leases to core deposits | 79.1481% | 3,141 |
| Total domestic deposits to total assets | 87.7823% | 2,396 |
| Equity capital to assets | 10.8709% | 2,874 |
| Core capital (leverage) ratio | 11.0937% | 2,272 |
| Tier 1 risk-based capital ratio | 16.4722% | 2,950 |
| Total risk-based capital ratio | 17.7231% | 2,906 |
| Memoranda: | ||
| Average total assets | $239,532,670 | 2,657 |
| Average earning assets | $224,319,000 | 2,595 |
| Average equity | $26,673,670 | 2,519 |
| Average total loans | $160,106,330 | 2,441 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 3,265 |
| Cost of funding earning assets | 0.5270% | 3,817 |
| Net interest margin | 3.6838% | 2,925 |
| Noninterest income to average assets | 0.4332% | 4,229 |
| Noninterest expense to average assets | 2.8487% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7332% | 3,521 |
| Return on assets (ROA) | 0.7332% | 3,660 |
| Pretax return on assets | 1.0248% | 3,246 |
| Return on Equity (ROE) | 6.5050% | 3,764 |
| Retained earnings to average equity (ytd only) | 5.3087% | 3,048 |
| Net charge-offs to loans | -0.7986% | 6,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5422% | 3,342 |
| Assets per employee ($millions) | 3.2171% | 5,594 |
| Cash dividends to net income (ytd only)* | 18.3908% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4620% | 3,961 |
| Loan loss allowance to noncurrent loans | 60.8210% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.9124% | 1,547 |
| Noncurrent loans to loans | 2.4038% | 2,159 |
| Net loans and leases to total assets | 65.3940% | 2,478 |
| Net loans and leases to deposits | 74.6452% | 2,828 |
| Net loans and leases to core deposits | 80.3133% | 2,775 |
| Total domestic deposits to total assets | 87.6065% | 2,569 |
| Equity capital to assets | 11.1589% | 2,786 |
| Core capital (leverage) ratio | 11.1925% | 2,104 |
| Tier 1 risk-based capital ratio | 16.0657% | 3,228 |
| Total risk-based capital ratio | 17.3176% | 3,188 |
| Memoranda: | ||
| Average total assets | $237,304,000 | 2,705 |
| Average earning assets | $221,618,500 | 2,655 |
| Average equity | $26,748,500 | 2,543 |
| Average total loans | $160,284,000 | 2,447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 2,214 |
| Cost of funding earning assets | 0.6382% | 4,019 |
| Net interest margin | 4.1583% | 1,783 |
| Noninterest income to average assets | 0.3822% | 4,734 |
| Noninterest expense to average assets | 3.1458% | 2,791 |
| Loan and lease loss provision to assets | 0.1284% | 4,006 |
| Net operating income to assets | 0.6003% | 4,234 |
| Return on assets (ROA) | 0.6150% | 4,431 |
| Pretax return on assets | 0.8105% | 4,256 |
| Return on Equity (ROE) | 5.5482% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.5482% | 2,350 |
| Net charge-offs to loans | 0.2618% | 3,371 |
| Credit loss provision to net charge-offs | 72.6392% | 4,082 |
| Earnings coverage of net charge-offs (x) | 5.2034% | 3,111 |
| Efficiency ratio | 77.3789% | 2,535 |
| Assets per employee ($millions) | 3.0302% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,822 |
| Loan loss allowance to noncurrent loans | 57.2683% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 3.4012% | 1,346 |
| Noncurrent loans to loans | 2.1995% | 2,466 |
| Net loans and leases to total assets | 67.8973% | 2,196 |
| Net loans and leases to deposits | 77.6813% | 2,575 |
| Net loans and leases to core deposits | 84.3125% | 2,510 |
| Total domestic deposits to total assets | 87.4049% | 2,574 |
| Equity capital to assets | 11.3886% | 2,546 |
| Core capital (leverage) ratio | 11.1041% | 2,162 |
| Tier 1 risk-based capital ratio | 15.6428% | 3,356 |
| Total risk-based capital ratio | 16.8438% | 3,338 |
| Memoranda: | ||
| Average total assets | $233,677,400 | 2,690 |
| Average earning assets | $206,986,000 | 2,779 |
| Average equity | $25,900,200 | 2,580 |
| Average total loans | $157,729,400 | 2,463 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 2,084 |
| Cost of funding earning assets | 0.6586% | 4,115 |
| Net interest margin | 4.2213% | 1,677 |
| Noninterest income to average assets | 0.2076% | 6,047 |
| Noninterest expense to average assets | 3.1273% | 2,802 |
| Loan and lease loss provision to assets | 0.1141% | 4,139 |
| Net operating income to assets | 0.6533% | 4,125 |
| Return on assets (ROA) | 0.6787% | 4,276 |
| Pretax return on assets | 0.6879% | 4,901 |
| Return on Equity (ROE) | 6.1660% | 4,254 |
| Retained earnings to average equity (ytd only) | 6.1660% | 2,590 |
| Net charge-offs to loans | 0.5238% | 2,043 |
| Credit loss provision to net charge-offs | 32.4149% | 4,761 |
| Earnings coverage of net charge-offs (x) | 2.2058% | 4,157 |
| Efficiency ratio | 80.1140% | 2,080 |
| Assets per employee ($millions) | 2.9998% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 5,749 |
| Loan loss allowance to noncurrent loans | 52.7010% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 3.6964% | 1,335 |
| Noncurrent loans to loans | 2.0729% | 2,768 |
| Net loans and leases to total assets | 66.4376% | 2,572 |
| Net loans and leases to deposits | 75.9941% | 2,983 |
| Net loans and leases to core deposits | 82.9932% | 2,824 |
| Total domestic deposits to total assets | 87.4247% | 2,404 |
| Equity capital to assets | 11.2957% | 2,941 |
| Core capital (leverage) ratio | 11.0423% | 2,338 |
| Tier 1 risk-based capital ratio | 15.6075% | 3,473 |
| Total risk-based capital ratio | 16.6351% | 3,559 |
| Memoranda: | ||
| Average total assets | $233,764,500 | 2,714 |
| Average earning assets | $204,669,250 | 2,824 |
| Average equity | $25,732,000 | 2,616 |
| Average total loans | $157,050,500 | 2,498 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0465% | 1,673 |
| Cost of funding earning assets | 0.6773% | 4,202 |
| Net interest margin | 4.3692% | 1,283 |
| Noninterest income to average assets | -0.1669% | 7,125 |
| Noninterest expense to average assets | 3.1383% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4497% | 5,037 |
| Return on assets (ROA) | 0.4878% | 5,124 |
| Pretax return on assets | 0.4930% | 5,459 |
| Return on Equity (ROE) | 4.4707% | 5,050 |
| Retained earnings to average equity (ytd only) | 4.4707% | 3,626 |
| Net charge-offs to loans | 0.3847% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.7583% | 4,102 |
| Efficiency ratio | 87.3511% | 1,305 |
| Assets per employee ($millions) | 3.0654% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,461 |
| Loan loss allowance to noncurrent loans | 51.8100% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 3.8371% | 1,349 |
| Noncurrent loans to loans | 2.2686% | 2,654 |
| Net loans and leases to total assets | 65.2585% | 2,808 |
| Net loans and leases to deposits | 74.2961% | 3,242 |
| Net loans and leases to core deposits | 80.5717% | 3,138 |
| Total domestic deposits to total assets | 87.8357% | 2,259 |
| Equity capital to assets | 10.9230% | 3,203 |
| Core capital (leverage) ratio | 10.9122% | 2,381 |
| Tier 1 risk-based capital ratio | 14.9646% | 3,790 |
| Total risk-based capital ratio | 16.0415% | 3,864 |
| Memoranda: | ||
| Average total assets | $233,692,000 | 2,720 |
| Average earning assets | $201,089,670 | 2,857 |
| Average equity | $25,499,330 | 2,617 |
| Average total loans | $157,011,000 | 2,504 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 1,587 |
| Cost of funding earning assets | 0.6941% | 4,330 |
| Net interest margin | 4.4007% | 1,225 |
| Noninterest income to average assets | 0.3183% | 5,327 |
| Noninterest expense to average assets | 3.2444% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8849% | 2,992 |
| Return on assets (ROA) | 0.9565% | 2,864 |
| Pretax return on assets | 0.9634% | 3,816 |
| Return on Equity (ROE) | 8.7704% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.7704% | 1,671 |
| Net charge-offs to loans | 0.1675% | 3,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.8485% | 2,030 |
| Efficiency ratio | 78.4526% | 2,436 |
| Assets per employee ($millions) | 3.1250% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 4,959 |
| Loan loss allowance to noncurrent loans | 65.7552% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 4.9676% | 1,052 |
| Noncurrent loans to loans | 1.9991% | 3,167 |
| Net loans and leases to total assets | 66.2399% | 2,423 |
| Net loans and leases to deposits | 75.4396% | 2,899 |
| Net loans and leases to core deposits | 81.8549% | 2,853 |
| Total domestic deposits to total assets | 87.8051% | 2,453 |
| Equity capital to assets | 10.9123% | 3,014 |
| Core capital (leverage) ratio | 10.8799% | 2,356 |
| Tier 1 risk-based capital ratio | 14.5880% | 4,027 |
| Total risk-based capital ratio | 15.7738% | 4,040 |
| Memoranda: | ||
| Average total assets | $232,520,500 | 2,743 |
| Average earning assets | $201,694,000 | 2,877 |
| Average equity | $25,358,000 | 2,635 |
| Average total loans | $157,584,000 | 2,519 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3469% | 1,572 |
| Cost of funding earning assets | 0.8197% | 4,709 |
| Net interest margin | 4.5272% | 1,074 |
| Noninterest income to average assets | 0.7702% | 2,228 |
| Noninterest expense to average assets | 3.5472% | 1,871 |
| Loan and lease loss provision to assets | 1.5614% | 465 |
| Net operating income to assets | -0.4833% | 6,477 |
| Return on assets (ROA) | -0.4695% | 6,517 |
| Pretax return on assets | -0.4544% | 6,458 |
| Return on Equity (ROE) | -4.4585% | 6,499 |
| Retained earnings to average equity (ytd only) | -4.4585% | 6,406 |
| Net charge-offs to loans | 2.2158% | 574 |
| Credit loss provision to net charge-offs | 103.5268% | 3,339 |
| Earnings coverage of net charge-offs (x) | 0.7248% | 5,268 |
| Efficiency ratio | 76.4419% | 2,828 |
| Assets per employee ($millions) | 3.0755% | 5,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,657 |
| Loan loss allowance to noncurrent loans | 60.1296% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 5.3216% | 971 |
| Noncurrent loans to loans | 2.2484% | 2,899 |
| Net loans and leases to total assets | 67.5073% | 2,492 |
| Net loans and leases to deposits | 76.8971% | 3,021 |
| Net loans and leases to core deposits | 83.4249% | 2,968 |
| Total domestic deposits to total assets | 87.7892% | 2,283 |
| Equity capital to assets | 10.8990% | 3,077 |
| Core capital (leverage) ratio | 10.5895% | 2,627 |
| Tier 1 risk-based capital ratio | 14.1329% | 4,232 |
| Total risk-based capital ratio | 15.3447% | 4,212 |
| Memoranda: | ||
| Average total assets | $238,754,400 | 2,647 |
| Average earning assets | $204,101,400 | 2,801 |
| Average equity | $25,143,000 | 2,564 |
| Average total loans | $162,514,600 | 2,467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3651% | 1,627 |
| Cost of funding earning assets | 0.8513% | 4,762 |
| Net interest margin | 4.5138% | 1,107 |
| Noninterest income to average assets | 0.7608% | 2,254 |
| Noninterest expense to average assets | 3.5274% | 1,865 |
| Loan and lease loss provision to assets | 1.5887% | 413 |
| Net operating income to assets | -0.5316% | 6,649 |
| Return on assets (ROA) | -0.5139% | 6,690 |
| Pretax return on assets | -0.5000% | 6,619 |
| Return on Equity (ROE) | -4.9209% | 6,675 |
| Retained earnings to average equity (ytd only) | -4.9209% | 6,590 |
| Net charge-offs to loans | 2.3826% | 477 |
| Credit loss provision to net charge-offs | 98.0855% | 3,482 |
| Earnings coverage of net charge-offs (x) | 0.6612% | 5,129 |
| Efficiency ratio | 76.7100% | 2,718 |
| Assets per employee ($millions) | 3.1897% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,336 |
| Loan loss allowance to noncurrent loans | 52.2636% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 5.2121% | 1,096 |
| Noncurrent loans to loans | 2.3574% | 2,943 |
| Net loans and leases to total assets | 65.3781% | 3,038 |
| Net loans and leases to deposits | 74.1624% | 3,635 |
| Net loans and leases to core deposits | 80.0996% | 3,620 |
| Total domestic deposits to total assets | 88.1553% | 1,950 |
| Equity capital to assets | 10.6032% | 3,567 |
| Core capital (leverage) ratio | 10.5998% | 2,762 |
| Tier 1 risk-based capital ratio | 14.0327% | 4,333 |
| Total risk-based capital ratio | 15.1244% | 4,395 |
| Memoranda: | ||
| Average total assets | $240,777,000 | 2,640 |
| Average earning assets | $204,699,250 | 2,803 |
| Average equity | $25,143,750 | 2,561 |
| Average total loans | $163,681,000 | 2,457 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 1,760 |
| Cost of funding earning assets | 0.8759% | 4,861 |
| Net interest margin | 4.4607% | 1,223 |
| Noninterest income to average assets | 0.7128% | 2,479 |
| Noninterest expense to average assets | 2.9400% | 3,865 |
| Loan and lease loss provision to assets | 2.3780% | 224 |
| Net operating income to assets | -0.7800% | 6,858 |
| Return on assets (ROA) | -0.7866% | 6,873 |
| Pretax return on assets | -0.7750% | 6,813 |
| Return on Equity (ROE) | -7.5709% | 6,847 |
| Retained earnings to average equity (ytd only) | -7.5709% | 6,748 |
| Net charge-offs to loans | 3.4631% | 262 |
| Credit loss provision to net charge-offs | 100.1396% | 3,102 |
| Earnings coverage of net charge-offs (x) | 0.6778% | 4,783 |
| Efficiency ratio | 64.6201% | 5,129 |
| Assets per employee ($millions) | 3.1654% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 5,170 |
| Loan loss allowance to noncurrent loans | 85.3928% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 5.2387% | 1,158 |
| Noncurrent loans to loans | 1.4937% | 4,177 |
| Net loans and leases to total assets | 65.5633% | 3,122 |
| Net loans and leases to deposits | 74.3787% | 3,739 |
| Net loans and leases to core deposits | 80.4609% | 3,721 |
| Total domestic deposits to total assets | 88.1481% | 2,040 |
| Equity capital to assets | 10.6064% | 3,373 |
| Core capital (leverage) ratio | 10.4101% | 2,815 |
| Tier 1 risk-based capital ratio | 14.0127% | 4,165 |
| Total risk-based capital ratio | 15.1372% | 4,216 |
| Memoranda: | ||
| Average total assets | $241,292,670 | 2,646 |
| Average earning assets | $207,546,670 | 2,785 |
| Average equity | $25,069,670 | 2,552 |
| Average total loans | $165,456,330 | 2,461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 1,800 |
| Cost of funding earning assets | 0.9439% | 4,619 |
| Net interest margin | 4.3795% | 1,341 |
| Noninterest income to average assets | 0.7269% | 2,410 |
| Noninterest expense to average assets | 2.8910% | 4,097 |
| Loan and lease loss provision to assets | 2.9913% | 157 |
| Net operating income to assets | -1.3912% | 7,160 |
| Return on assets (ROA) | -1.3764% | 7,162 |
| Pretax return on assets | -1.3715% | 7,119 |
| Return on Equity (ROE) | -13.3842% | 7,112 |
| Retained earnings to average equity (ytd only) | -13.3842% | 6,991 |
| Net charge-offs to loans | 0.9259% | 1,438 |
| Credit loss provision to net charge-offs | 464.0306% | 759 |
| Earnings coverage of net charge-offs (x) | 2.4898% | 3,090 |
| Efficiency ratio | 64.3014% | 5,313 |
| Assets per employee ($millions) | 3.2349% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 2,281 |
| Loan loss allowance to noncurrent loans | 33.6008% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 7.4124% | 686 |
| Noncurrent loans to loans | 6.1143% | 1,024 |
| Net loans and leases to total assets | 67.4781% | 2,662 |
| Net loans and leases to deposits | 76.1417% | 3,396 |
| Net loans and leases to core deposits | 82.4043% | 3,397 |
| Total domestic deposits to total assets | 88.6218% | 2,005 |
| Equity capital to assets | 10.1426% | 3,602 |
| Core capital (leverage) ratio | 10.2720% | 2,841 |
| Tier 1 risk-based capital ratio | 13.4197% | 4,487 |
| Total risk-based capital ratio | 14.6768% | 4,457 |
| Memoranda: | ||
| Average total assets | $243,237,000 | 2,635 |
| Average earning assets | $209,340,500 | 2,794 |
| Average equity | $25,014,500 | 2,542 |
| Average total loans | $169,354,000 | 2,443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 2,495 |
| Cost of funding earning assets | 1.3921% | 3,324 |
| Net interest margin | 4.0515% | 2,798 |
| Noninterest income to average assets | 0.8000% | 2,284 |
| Noninterest expense to average assets | 2.8326% | 4,468 |
| Loan and lease loss provision to assets | 1.5041% | 984 |
| Net operating income to assets | -0.0025% | 5,838 |
| Return on assets (ROA) | 0.0152% | 5,925 |
| Pretax return on assets | 0.0095% | 5,882 |
| Return on Equity (ROE) | 0.1449% | 5,926 |
| Retained earnings to average equity (ytd only) | 0.1449% | 5,509 |
| Net charge-offs to loans | 3.1249% | 513 |
| Credit loss provision to net charge-offs | 66.8435% | 5,937 |
| Earnings coverage of net charge-offs (x) | 0.6648% | 5,445 |
| Efficiency ratio | 65.4402% | 5,082 |
| Assets per employee ($millions) | 3.2514% | 5,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 5,644 |
| Loan loss allowance to noncurrent loans | 30.5154% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 5.9524% | 1,008 |
| Noncurrent loans to loans | 3.8337% | 1,922 |
| Net loans and leases to total assets | 69.5300% | 2,650 |
| Net loans and leases to deposits | 78.7470% | 3,378 |
| Net loans and leases to core deposits | 85.5523% | 3,389 |
| Total domestic deposits to total assets | 88.2954% | 2,064 |
| Equity capital to assets | 10.4247% | 3,244 |
| Core capital (leverage) ratio | 10.4315% | 2,632 |
| Tier 1 risk-based capital ratio | 13.4360% | 4,266 |
| Total risk-based capital ratio | 14.4728% | 4,386 |
| Memoranda: | ||
| Average total assets | $242,996,200 | 2,609 |
| Average earning assets | $211,625,800 | 2,734 |
| Average equity | $25,529,600 | 2,500 |
| Average total loans | $174,978,800 | 2,405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4380% | 2,704 |
| Cost of funding earning assets | 1.4539% | 3,250 |
| Net interest margin | 3.9841% | 3,174 |
| Noninterest income to average assets | 0.8007% | 2,233 |
| Noninterest expense to average assets | 2.8343% | 4,332 |
| Loan and lease loss provision to assets | 1.6228% | 795 |
| Net operating income to assets | -0.1643% | 6,268 |
| Return on assets (ROA) | -0.1428% | 6,320 |
| Pretax return on assets | -0.1565% | 6,276 |
| Return on Equity (ROE) | -1.3564% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.3564% | 6,068 |
| Net charge-offs to loans | 3.9165% | 317 |
| Credit loss provision to net charge-offs | 57.2120% | 5,760 |
| Earnings coverage of net charge-offs (x) | 0.5086% | 5,513 |
| Efficiency ratio | 66.2686% | 4,807 |
| Assets per employee ($millions) | 3.1610% | 5,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,628 |
| Loan loss allowance to noncurrent loans | 23.6800% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 6.2014% | 949 |
| Noncurrent loans to loans | 3.9555% | 1,904 |
| Net loans and leases to total assets | 70.8802% | 2,519 |
| Net loans and leases to deposits | 80.6429% | 3,333 |
| Net loans and leases to core deposits | 87.7600% | 3,402 |
| Total domestic deposits to total assets | 87.8939% | 2,022 |
| Equity capital to assets | 10.7187% | 3,268 |
| Core capital (leverage) ratio | 10.5237% | 2,663 |
| Tier 1 risk-based capital ratio | 13.2098% | 4,416 |
| Total risk-based capital ratio | 14.0370% | 4,717 |
| Memoranda: | ||
| Average total assets | $242,782,000 | 2,656 |
| Average earning assets | $211,836,500 | 2,769 |
| Average equity | $25,556,750 | 2,536 |
| Average total loans | $175,834,000 | 2,436 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4143% | 2,911 |
| Cost of funding earning assets | 1.4865% | 3,329 |
| Net interest margin | 3.9278% | 3,327 |
| Noninterest income to average assets | 0.7364% | 2,473 |
| Noninterest expense to average assets | 2.7862% | 4,553 |
| Loan and lease loss provision to assets | 2.2616% | 519 |
| Net operating income to assets | -0.8923% | 6,898 |
| Return on assets (ROA) | -0.8652% | 6,904 |
| Pretax return on assets | -0.8529% | 6,817 |
| Return on Equity (ROE) | -8.2692% | 6,903 |
| Retained earnings to average equity (ytd only) | -8.2692% | 6,831 |
| Net charge-offs to loans | 4.2981% | 283 |
| Credit loss provision to net charge-offs | 72.3667% | 4,908 |
| Earnings coverage of net charge-offs (x) | 0.4421% | 5,281 |
| Efficiency ratio | 66.8505% | 4,805 |
| Assets per employee ($millions) | 3.0917% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 3,622 |
| Loan loss allowance to noncurrent loans | 45.6389% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 5.8773% | 1,012 |
| Noncurrent loans to loans | 3.4195% | 2,325 |
| Net loans and leases to total assets | 72.4030% | 2,305 |
| Net loans and leases to deposits | 82.0897% | 3,256 |
| Net loans and leases to core deposits | 87.9255% | 3,554 |
| Total domestic deposits to total assets | 88.1998% | 1,883 |
| Equity capital to assets | 10.3579% | 3,578 |
| Core capital (leverage) ratio | 10.2661% | 2,875 |
| Tier 1 risk-based capital ratio | 12.6047% | 4,769 |
| Total risk-based capital ratio | 13.8562% | 4,733 |
| Memoranda: | ||
| Average total assets | $243,631,000 | 2,667 |
| Average earning assets | $212,843,330 | 2,778 |
| Average equity | $25,492,330 | 2,540 |
| Average total loans | $177,149,000 | 2,453 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2805% | 3,642 |
| Cost of funding earning assets | 1.6272% | 2,789 |
| Net interest margin | 3.6533% | 4,472 |
| Noninterest income to average assets | 0.7024% | 2,583 |
| Noninterest expense to average assets | 2.8341% | 4,348 |
| Loan and lease loss provision to assets | 0.9393% | 1,341 |
| Net operating income to assets | 0.0968% | 6,029 |
| Return on assets (ROA) | 0.1454% | 6,001 |
| Pretax return on assets | 0.1519% | 6,018 |
| Return on Equity (ROE) | 1.3826% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.3826% | 5,249 |
| Net charge-offs to loans | 0.5038% | 2,556 |
| Credit loss provision to net charge-offs | 257.8475% | 1,509 |
| Earnings coverage of net charge-offs (x) | 2.8565% | 3,123 |
| Efficiency ratio | 73.1450% | 3,734 |
| Assets per employee ($millions) | 3.0780% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3448% | 1,505 |
| Loan loss allowance to noncurrent loans | 41.8078% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 7.2495% | 727 |
| Noncurrent loans to loans | 5.6085% | 1,233 |
| Net loans and leases to total assets | 71.4567% | 2,575 |
| Net loans and leases to deposits | 81.2455% | 3,415 |
| Net loans and leases to core deposits | 87.8735% | 3,640 |
| Total domestic deposits to total assets | 87.9516% | 2,092 |
| Equity capital to assets | 10.6950% | 3,046 |
| Core capital (leverage) ratio | 10.5540% | 2,570 |
| Tier 1 risk-based capital ratio | 13.1875% | 4,217 |
| Total risk-based capital ratio | 14.4481% | 4,163 |
| Memoranda: | ||
| Average total assets | $244,872,000 | 2,698 |
| Average earning assets | $212,632,000 | 2,846 |
| Average equity | $25,749,500 | 2,533 |
| Average total loans | $177,040,000 | 2,518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 4,335 |
| Cost of funding earning assets | 2.1964% | 2,052 |
| Net interest margin | 3.2725% | 5,848 |
| Noninterest income to average assets | 0.8064% | 2,376 |
| Noninterest expense to average assets | 2.9802% | 4,235 |
| Loan and lease loss provision to assets | 1.3284% | 1,730 |
| Net operating income to assets | -0.5048% | 6,184 |
| Return on assets (ROA) | -0.4241% | 6,103 |
| Pretax return on assets | -0.5131% | 6,024 |
| Return on Equity (ROE) | -3.9945% | 6,107 |
| Retained earnings to average equity (ytd only) | -4.9511% | 6,015 |
| Net charge-offs to loans | 1.4509% | 1,731 |
| Credit loss provision to net charge-offs | 132.0679% | 3,803 |
| Earnings coverage of net charge-offs (x) | 0.7302% | 5,369 |
| Efficiency ratio | 80.2275% | 2,854 |
| Assets per employee ($millions) | 3.2024% | 5,715 |
| Cash dividends to net income (ytd only)* | -23.9464% | 7,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1686% | 1,703 |
| Loan loss allowance to noncurrent loans | 47.9057% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 6.6935% | 790 |
| Noncurrent loans to loans | 4.5267% | 1,570 |
| Net loans and leases to total assets | 69.8886% | 3,278 |
| Net loans and leases to deposits | 83.0077% | 3,448 |
| Net loans and leases to core deposits | 109.6810% | 2,929 |
| Total domestic deposits to total assets | 84.1952% | 3,942 |
| Equity capital to assets | 10.3385% | 3,357 |
| Core capital (leverage) ratio | 10.4579% | 2,646 |
| Tier 1 risk-based capital ratio | 13.0815% | 4,091 |
| Total risk-based capital ratio | 14.3398% | 4,034 |
| Memoranda: | ||
| Average total assets | $246,159,400 | 2,646 |
| Average earning assets | $218,762,200 | 2,719 |
| Average equity | $26,135,800 | 2,515 |
| Average total loans | $170,651,600 | 2,614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4585% | 4,643 |
| Cost of funding earning assets | 2.2860% | 2,039 |
| Net interest margin | 3.1725% | 6,111 |
| Noninterest income to average assets | 0.7640% | 2,626 |
| Noninterest expense to average assets | 2.9966% | 4,054 |
| Loan and lease loss provision to assets | 1.4468% | 1,327 |
| Net operating income to assets | -0.7281% | 6,627 |
| Return on assets (ROA) | -0.6204% | 6,547 |
| Pretax return on assets | -0.7424% | 6,513 |
| Return on Equity (ROE) | -5.8054% | 6,535 |
| Retained earnings to average equity (ytd only) | -7.0730% | 6,514 |
| Net charge-offs to loans | 1.9423% | 1,025 |
| Credit loss provision to net charge-offs | 108.2725% | 4,694 |
| Earnings coverage of net charge-offs (x) | 0.4465% | 5,578 |
| Efficiency ratio | 83.3962% | 2,371 |
| Assets per employee ($millions) | 3.2555% | 5,504 |
| Cash dividends to net income (ytd only)* | -21.8344% | 7,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8634% | 2,125 |
| Loan loss allowance to noncurrent loans | 53.8333% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 5.8395% | 940 |
| Noncurrent loans to loans | 3.4613% | 2,161 |
| Net loans and leases to total assets | 68.7547% | 3,784 |
| Net loans and leases to deposits | 81.8642% | 4,055 |
| Net loans and leases to core deposits | 108.8793% | 3,357 |
| Total domestic deposits to total assets | 83.9863% | 3,729 |
| Equity capital to assets | 10.4308% | 3,584 |
| Core capital (leverage) ratio | 10.4941% | 2,797 |
| Tier 1 risk-based capital ratio | 13.2060% | 4,050 |
| Total risk-based capital ratio | 14.4609% | 3,986 |
| Memoranda: | ||
| Average total assets | $246,053,250 | 2,663 |
| Average earning assets | $219,421,500 | 2,732 |
| Average equity | $26,296,500 | 2,530 |
| Average total loans | $169,276,000 | 2,659 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 5,204 |
| Cost of funding earning assets | 2.3395% | 2,203 |
| Net interest margin | 3.0498% | 6,403 |
| Noninterest income to average assets | 0.6865% | 3,075 |
| Noninterest expense to average assets | 3.1377% | 3,551 |
| Loan and lease loss provision to assets | 1.3233% | 1,304 |
| Net operating income to assets | -0.9338% | 6,919 |
| Return on assets (ROA) | -0.7712% | 6,815 |
| Pretax return on assets | -0.8632% | 6,722 |
| Return on Equity (ROE) | -7.1582% | 6,819 |
| Retained earnings to average equity (ytd only) | -9.0478% | 6,774 |
| Net charge-offs to loans | 2.8097% | 583 |
| Credit loss provision to net charge-offs | 68.8851% | 5,437 |
| Earnings coverage of net charge-offs (x) | 0.1547% | 5,515 |
| Efficiency ratio | 91.3466% | 1,692 |
| Assets per employee ($millions) | 3.2037% | 5,577 |
| Cash dividends to net income (ytd only)* | -26.3992% | 7,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 4,116 |
| Loan loss allowance to noncurrent loans | 32.1368% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 5.8172% | 843 |
| Noncurrent loans to loans | 4.1275% | 1,613 |
| Net loans and leases to total assets | 69.1181% | 3,915 |
| Net loans and leases to deposits | 82.3621% | 4,163 |
| Net loans and leases to core deposits | 109.3179% | 3,456 |
| Total domestic deposits to total assets | 83.9198% | 3,814 |
| Equity capital to assets | 10.3453% | 3,571 |
| Core capital (leverage) ratio | 10.3088% | 2,984 |
| Tier 1 risk-based capital ratio | 12.8439% | 4,250 |
| Total risk-based capital ratio | 13.9732% | 4,257 |
| Memoranda: | ||
| Average total assets | $245,597,670 | 2,689 |
| Average earning assets | $221,324,670 | 2,729 |
| Average equity | $26,459,330 | 2,522 |
| Average total loans | $167,920,330 | 2,706 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 4,925 |
| Cost of funding earning assets | 2.3382% | 2,547 |
| Net interest margin | 3.1591% | 5,990 |
| Noninterest income to average assets | 0.6562% | 3,167 |
| Noninterest expense to average assets | 2.8859% | 4,206 |
| Loan and lease loss provision to assets | 0.6121% | 2,057 |
| Net operating income to assets | 0.0000% | 6,252 |
| Return on assets (ROA) | 0.3216% | 5,380 |
| Pretax return on assets | 0.3379% | 5,562 |
| Return on Equity (ROE) | 2.9262% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.9262% | 4,240 |
| Net charge-offs to loans | 3.2027% | 395 |
| Credit loss provision to net charge-offs | 28.3019% | 4,973 |
| Earnings coverage of net charge-offs (x) | 0.2906% | 4,741 |
| Efficiency ratio | 82.1180% | 2,514 |
| Assets per employee ($millions) | 3.1414% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,400 |
| Loan loss allowance to noncurrent loans | 29.6106% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 5.6786% | 736 |
| Noncurrent loans to loans | 4.2313% | 1,395 |
| Net loans and leases to total assets | 65.1047% | 4,791 |
| Net loans and leases to deposits | 77.7998% | 4,957 |
| Net loans and leases to core deposits | 107.6067% | 3,730 |
| Total domestic deposits to total assets | 83.6824% | 3,852 |
| Equity capital to assets | 10.7484% | 3,235 |
| Core capital (leverage) ratio | 11.1980% | 2,341 |
| Tier 1 risk-based capital ratio | 14.4404% | 3,340 |
| Total risk-based capital ratio | 15.5321% | 3,366 |
| Memoranda: | ||
| Average total assets | $245,055,500 | 2,707 |
| Average earning assets | $221,709,000 | 2,739 |
| Average equity | $26,929,000 | 2,496 |
| Average total loans | $165,483,500 | 2,762 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1990% | 4,522 |
| Cost of funding earning assets | 2.6026% | 3,672 |
| Net interest margin | 3.5964% | 4,906 |
| Noninterest income to average assets | 1.0091% | 1,551 |
| Noninterest expense to average assets | 2.9485% | 4,262 |
| Loan and lease loss provision to assets | 0.9002% | 1,661 |
| Net operating income to assets | 0.3767% | 5,244 |
| Return on assets (ROA) | 0.3836% | 5,029 |
| Pretax return on assets | 0.4305% | 5,180 |
| Return on Equity (ROE) | 3.3289% | 5,109 |
| Retained earnings to average equity (ytd only) | 1.8868% | 4,055 |
| Net charge-offs to loans | 1.7649% | 623 |
| Credit loss provision to net charge-offs | 72.8825% | 6,033 |
| Earnings coverage of net charge-offs (x) | 1.0711% | 5,595 |
| Efficiency ratio | 69.0284% | 4,528 |
| Assets per employee ($millions) | 2.9481% | 6,177 |
| Cash dividends to net income (ytd only)* | 43.3221% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 1,565 |
| Loan loss allowance to noncurrent loans | 30.4948% | 6,683 |
| Noncurrent assets plus other real estate owned to assets | 6.4854% | 431 |
| Noncurrent loans to loans | 6.0039% | 591 |
| Net loans and leases to total assets | 67.9438% | 4,476 |
| Net loans and leases to deposits | 81.3853% | 4,811 |
| Net loans and leases to core deposits | 114.8397% | 3,252 |
| Total domestic deposits to total assets | 83.4840% | 3,579 |
| Equity capital to assets | 11.2421% | 2,848 |
| Core capital (leverage) ratio | 11.4716% | 2,271 |
| Tier 1 risk-based capital ratio | 14.6077% | 3,254 |
| Total risk-based capital ratio | 15.8620% | 3,169 |
| Memoranda: | ||
| Average total assets | $232,289,800 | 2,736 |
| Average earning assets | $210,711,800 | 2,766 |
| Average equity | $26,765,200 | 2,495 |
| Average total loans | $162,559,000 | 2,737 |