Home > The First National Bank of Hughes Springs > Performance and Condition Ratios
The First National Bank of Hughes Springs, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3592% | 402 |
| Cost of funding earning assets | 0.1293% | 4,474 |
| Net interest margin | 6.2300% | 94 |
| Noninterest income to average assets | 1.1300% | 529 |
| Noninterest expense to average assets | 3.4259% | 636 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 2.8667% | 179 |
| Return on assets (ROA) | 2.8667% | 178 |
| Pretax return on assets | 2.8667% | 231 |
| Return on Equity (ROE) | 26.8800% | 258 |
| Retained earnings to average equity (ytd only) | -0.0144% | 4,084 |
| Net charge-offs to loans | 1.4282% | 66 |
| Credit loss provision to net charge-offs | 60.1456% | 2,146 |
| Earnings coverage of net charge-offs (x) | 3.6931% | 2,630 |
| Efficiency ratio | 49.7469% | 3,998 |
| Assets per employee ($millions) | 2.9273% | 4,395 |
| Cash dividends to net income (ytd only)* | 100.0535% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,866 |
| Loan loss allowance to noncurrent loans | 119.7427% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 858 |
| Noncurrent loans to loans | 0.9141% | 821 |
| Net loans and leases to total assets | 68.5300% | 1,973 |
| Net loans and leases to deposits | 76.2421% | 2,429 |
| Net loans and leases to core deposits | 78.4698% | 2,802 |
| Total domestic deposits to total assets | 89.8900% | 788 |
| Equity capital to assets | 10.0209% | 1,993 |
| Core capital (leverage) ratio | 10.0762% | 2,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7429% | 1,335 |
| Memoranda: | ||
| Average total assets | $325,814,800 | 2,292 |
| Average earning assets | $299,375,800 | 2,310 |
| Average equity | $34,744,200 | 2,064 |
| Average total loans | $211,520,400 | 2,219 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2629% | 382 |
| Cost of funding earning assets | 0.1178% | 4,501 |
| Net interest margin | 6.1450% | 95 |
| Noninterest income to average assets | 1.2500% | 474 |
| Noninterest expense to average assets | 3.5333% | 535 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 3.0021% | 177 |
| Return on assets (ROA) | 3.0021% | 179 |
| Pretax return on assets | 3.0021% | 235 |
| Return on Equity (ROE) | 27.7400% | 284 |
| Retained earnings to average equity (ytd only) | 27.7445% | 114 |
| Net charge-offs to loans | 1.3248% | 69 |
| Credit loss provision to net charge-offs | 42.5409% | 1,926 |
| Earnings coverage of net charge-offs (x) | 3.9740% | 2,421 |
| Efficiency ratio | 50.9831% | 3,834 |
| Assets per employee ($millions) | 2.9776% | 4,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 2,673 |
| Loan loss allowance to noncurrent loans | 58.0368% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3769% | 293 |
| Noncurrent loans to loans | 1.9642% | 314 |
| Net loans and leases to total assets | 66.1400% | 2,230 |
| Net loans and leases to deposits | 75.4821% | 2,461 |
| Net loans and leases to core deposits | 76.9737% | 2,800 |
| Total domestic deposits to total assets | 87.6300% | 1,693 |
| Equity capital to assets | 11.9994% | 1,039 |
| Core capital (leverage) ratio | 12.3501% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1122% | 801 |
| Memoranda: | ||
| Average total assets | $327,500,000 | 2,283 |
| Average earning assets | $300,963,000 | 2,302 |
| Average equity | $35,436,750 | 2,030 |
| Average total loans | $209,129,500 | 2,230 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 378 |
| Cost of funding earning assets | 0.1080% | 4,512 |
| Net interest margin | 6.0276% | 108 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.4285% | 584 |
| Loan and lease loss provision to assets | -1.3700% | 4,650 |
| Net operating income to assets | 4.2207% | 91 |
| Return on assets (ROA) | 4.2207% | 92 |
| Pretax return on assets | 4.2207% | 104 |
| Return on Equity (ROE) | 40.4200% | 104 |
| Retained earnings to average equity (ytd only) | 40.4227% | 51 |
| Net charge-offs to loans | -0.4447% | 4,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 54.3543% | 3,581 |
| Assets per employee ($millions) | 3.0076% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 3,913 |
| Loan loss allowance to noncurrent loans | 36.7611% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.5824% | 219 |
| Noncurrent loans to loans | 2.2999% | 213 |
| Net loans and leases to total assets | 65.5700% | 2,202 |
| Net loans and leases to deposits | 74.5316% | 2,442 |
| Net loans and leases to core deposits | 76.9206% | 2,694 |
| Total domestic deposits to total assets | 87.9800% | 1,607 |
| Equity capital to assets | 11.8175% | 1,098 |
| Core capital (leverage) ratio | 11.9641% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3221% | 912 |
| Memoranda: | ||
| Average total assets | $330,464,000 | 2,275 |
| Average earning assets | $303,771,333 | 2,288 |
| Average equity | $34,505,333 | 2,074 |
| Average total loans | $207,784,667 | 2,237 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7417% | 452 |
| Cost of funding earning assets | 0.0915% | 4,549 |
| Net interest margin | 5.6502% | 126 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 3.5789% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.3007% | 320 |
| Return on assets (ROA) | 2.3007% | 320 |
| Pretax return on assets | 2.3007% | 486 |
| Return on Equity (ROE) | 23.5500% | 476 |
| Retained earnings to average equity (ytd only) | 23.5464% | 221 |
| Net charge-offs to loans | 0.2036% | 358 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.4327% | 1,489 |
| Efficiency ratio | 60.6042% | 2,882 |
| Assets per employee ($millions) | 3.1304% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 819 |
| Loan loss allowance to noncurrent loans | 142.0500% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 596 |
| Noncurrent loans to loans | 1.1930% | 580 |
| Net loans and leases to total assets | 60.9600% | 2,558 |
| Net loans and leases to deposits | 67.8466% | 2,780 |
| Net loans and leases to core deposits | 70.0070% | 2,956 |
| Total domestic deposits to total assets | 89.8500% | 1,213 |
| Equity capital to assets | 10.0240% | 1,812 |
| Core capital (leverage) ratio | 10.2173% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3095% | 1,113 |
| Memoranda: | ||
| Average total assets | $333,288,000 | 2,295 |
| Average earning assets | $305,902,000 | 2,317 |
| Average equity | $32,565,500 | 2,180 |
| Average total loans | $204,279,000 | 2,275 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 722 |
| Cost of funding earning assets | 0.0604% | 4,545 |
| Net interest margin | 4.4372% | 330 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 3.1452% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6476% | 608 |
| Return on assets (ROA) | 1.6476% | 576 |
| Pretax return on assets | 1.6476% | 1,043 |
| Return on Equity (ROE) | 16.8300% | 886 |
| Retained earnings to average equity (ytd only) | 0.0211% | 4,337 |
| Net charge-offs to loans | 0.1332% | 595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 21.7510% | 1,855 |
| Efficiency ratio | 65.2420% | 2,327 |
| Assets per employee ($millions) | 3.0147% | 4,527 |
| Cash dividends to net income (ytd only)* | 99.8748% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8043% | 658 |
| Loan loss allowance to noncurrent loans | 171.3475% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 691 |
| Noncurrent loans to loans | 1.0530% | 689 |
| Net loans and leases to total assets | 59.4700% | 2,690 |
| Net loans and leases to deposits | 65.7739% | 2,903 |
| Net loans and leases to core deposits | 67.8138% | 3,028 |
| Total domestic deposits to total assets | 90.4200% | 1,188 |
| Equity capital to assets | 9.5154% | 1,994 |
| Core capital (leverage) ratio | 9.6498% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9041% | 1,143 |
| Memoranda: | ||
| Average total assets | $339,283,200 | 2,264 |
| Average earning assets | $313,014,400 | 2,271 |
| Average equity | $33,210,400 | 2,187 |
| Average total loans | $193,009,200 | 2,286 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 958 |
| Cost of funding earning assets | 0.0604% | 4,528 |
| Net interest margin | 4.0999% | 520 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 3.0492% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4290% | 1,010 |
| Return on assets (ROA) | 1.4290% | 981 |
| Pretax return on assets | 1.4290% | 1,630 |
| Return on Equity (ROE) | 14.5000% | 1,293 |
| Retained earnings to average equity (ytd only) | 14.5011% | 408 |
| Net charge-offs to loans | 0.0140% | 1,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 182.8500% | 654 |
| Efficiency ratio | 67.6789% | 2,069 |
| Assets per employee ($millions) | 2.9855% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 587 |
| Loan loss allowance to noncurrent loans | 191.8986% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 790 |
| Noncurrent loans to loans | 0.9959% | 781 |
| Net loans and leases to total assets | 59.2700% | 2,580 |
| Net loans and leases to deposits | 66.2910% | 2,693 |
| Net loans and leases to core deposits | 68.3515% | 2,768 |
| Total domestic deposits to total assets | 89.4100% | 1,914 |
| Equity capital to assets | 10.3439% | 1,446 |
| Core capital (leverage) ratio | 10.5939% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0638% | 854 |
| Memoranda: | ||
| Average total assets | $341,198,750 | 2,268 |
| Average earning assets | $315,547,500 | 2,274 |
| Average equity | $33,624,250 | 2,204 |
| Average total loans | $191,047,750 | 2,301 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 1,291 |
| Cost of funding earning assets | 0.0629% | 4,506 |
| Net interest margin | 3.7461% | 843 |
| Noninterest income to average assets | 0.6830% | 1,419 |
| Noninterest expense to average assets | 2.9405% | 925 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2100% | 1,397 |
| Return on assets (ROA) | 1.2100% | 1,383 |
| Pretax return on assets | 1.2100% | 2,045 |
| Return on Equity (ROE) | 12.4792% | 1,533 |
| Retained earnings to average equity (ytd only) | 12.4792% | 534 |
| Net charge-offs to loans | 0.0310% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 71.6552% | 989 |
| Efficiency ratio | 70.4125% | 1,901 |
| Assets per employee ($millions) | 3.2929% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 536 |
| Loan loss allowance to noncurrent loans | 214.4766% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 980 |
| Noncurrent loans to loans | 0.9396% | 892 |
| Net loans and leases to total assets | 53.6589% | 3,001 |
| Net loans and leases to deposits | 59.4501% | 3,093 |
| Net loans and leases to core deposits | 61.1994% | 3,185 |
| Total domestic deposits to total assets | 90.2587% | 1,605 |
| Equity capital to assets | 9.5602% | 1,970 |
| Core capital (leverage) ratio | 9.9155% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5084% | 786 |
| Memoranda: | ||
| Average total assets | $343,474,667 | 2,275 |
| Average earning assets | $317,931,667 | 2,284 |
| Average equity | $33,303,333 | 2,262 |
| Average total loans | $187,385,000 | 2,326 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6263% | 1,432 |
| Cost of funding earning assets | 0.0698% | 4,451 |
| Net interest margin | 3.5566% | 970 |
| Noninterest income to average assets | 0.6786% | 1,388 |
| Noninterest expense to average assets | 2.9975% | 814 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9733% | 1,986 |
| Return on assets (ROA) | 0.9733% | 1,985 |
| Pretax return on assets | 0.9733% | 2,525 |
| Return on Equity (ROE) | 9.9669% | 1,978 |
| Retained earnings to average equity (ytd only) | 9.9669% | 1,030 |
| Net charge-offs to loans | -0.0776% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0148% | 1,633 |
| Assets per employee ($millions) | 3.2039% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0891% | 529 |
| Loan loss allowance to noncurrent loans | 106.8176% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 441 |
| Noncurrent loans to loans | 1.9558% | 380 |
| Net loans and leases to total assets | 53.5497% | 2,816 |
| Net loans and leases to deposits | 59.3632% | 2,965 |
| Net loans and leases to core deposits | 61.3933% | 3,032 |
| Total domestic deposits to total assets | 90.2069% | 1,440 |
| Equity capital to assets | 9.6782% | 2,153 |
| Core capital (leverage) ratio | 9.6575% | 2,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3568% | 848 |
| Memoranda: | ||
| Average total assets | $340,686,500 | 2,295 |
| Average earning assets | $315,361,500 | 2,308 |
| Average equity | $33,270,000 | 2,320 |
| Average total loans | $185,503,000 | 2,334 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 918 |
| Cost of funding earning assets | 0.0928% | 4,436 |
| Net interest margin | 4.1579% | 531 |
| Noninterest income to average assets | 0.2471% | 3,894 |
| Noninterest expense to average assets | 2.7599% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3021% | 1,592 |
| Return on assets (ROA) | 1.3021% | 1,634 |
| Pretax return on assets | 1.3021% | 2,351 |
| Return on Equity (ROE) | 12.4423% | 1,675 |
| Retained earnings to average equity (ytd only) | -0.0115% | 4,495 |
| Net charge-offs to loans | -0.2515% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4841% | 2,055 |
| Assets per employee ($millions) | 3.1939% | 4,655 |
| Cash dividends to net income (ytd only)* | 100.0924% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1149% | 508 |
| Loan loss allowance to noncurrent loans | 106.7675% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 488 |
| Noncurrent loans to loans | 1.9808% | 395 |
| Net loans and leases to total assets | 53.0579% | 2,957 |
| Net loans and leases to deposits | 58.8946% | 3,182 |
| Net loans and leases to core deposits | 61.2075% | 3,229 |
| Total domestic deposits to total assets | 90.0895% | 917 |
| Equity capital to assets | 9.8541% | 2,794 |
| Core capital (leverage) ratio | 9.5037% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3458% | 846 |
| Memoranda: | ||
| Average total assets | $332,299,200 | 2,285 |
| Average earning assets | $304,889,800 | 2,307 |
| Average equity | $34,776,400 | 2,302 |
| Average total loans | $189,672,000 | 2,306 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 777 |
| Cost of funding earning assets | 0.0885% | 4,586 |
| Net interest margin | 4.3381% | 417 |
| Noninterest income to average assets | 0.1137% | 4,606 |
| Noninterest expense to average assets | 2.7824% | 1,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3025% | 1,824 |
| Return on assets (ROA) | 1.3025% | 1,878 |
| Pretax return on assets | 1.3025% | 2,618 |
| Return on Equity (ROE) | 12.2626% | 1,953 |
| Retained earnings to average equity (ytd only) | 12.2626% | 784 |
| Net charge-offs to loans | -0.3187% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6503% | 1,880 |
| Assets per employee ($millions) | 3.2378% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 534 |
| Loan loss allowance to noncurrent loans | 104.6909% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 554 |
| Noncurrent loans to loans | 2.0043% | 438 |
| Net loans and leases to total assets | 54.0176% | 2,970 |
| Net loans and leases to deposits | 60.9008% | 3,147 |
| Net loans and leases to core deposits | 64.1716% | 3,121 |
| Total domestic deposits to total assets | 88.6976% | 1,463 |
| Equity capital to assets | 11.0520% | 1,976 |
| Core capital (leverage) ratio | 10.4631% | 2,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5484% | 639 |
| Memoranda: | ||
| Average total assets | $330,736,250 | 2,315 |
| Average earning assets | $302,770,500 | 2,344 |
| Average equity | $35,130,250 | 2,316 |
| Average total loans | $191,212,750 | 2,337 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,998 |
| Cost of funding earning assets | 0.0877% | 4,650 |
| Net interest margin | 3.7405% | 1,239 |
| Noninterest income to average assets | 1.0782% | 956 |
| Noninterest expense to average assets | 2.8816% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6124% | 1,029 |
| Return on assets (ROA) | 1.6124% | 1,082 |
| Pretax return on assets | 1.6124% | 1,701 |
| Return on Equity (ROE) | 15.3903% | 1,069 |
| Retained earnings to average equity (ytd only) | 15.3903% | 382 |
| Net charge-offs to loans | -0.1611% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7026% | 2,470 |
| Assets per employee ($millions) | 3.2748% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 817 |
| Loan loss allowance to noncurrent loans | 108.3384% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 397 |
| Noncurrent loans to loans | 1.7054% | 621 |
| Net loans and leases to total assets | 56.6170% | 2,829 |
| Net loans and leases to deposits | 63.6159% | 3,040 |
| Net loans and leases to core deposits | 66.8919% | 3,042 |
| Total domestic deposits to total assets | 88.9981% | 1,283 |
| Equity capital to assets | 10.8429% | 2,111 |
| Core capital (leverage) ratio | 10.4559% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6946% | 733 |
| Memoranda: | ||
| Average total assets | $329,816,000 | 2,309 |
| Average earning assets | $301,188,667 | 2,342 |
| Average equity | $34,554,333 | 2,333 |
| Average total loans | $193,614,333 | 2,321 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8783% | 1,882 |
| Cost of funding earning assets | 0.0911% | 4,696 |
| Net interest margin | 3.7872% | 1,167 |
| Noninterest income to average assets | -0.1428% | 4,962 |
| Noninterest expense to average assets | 3.0320% | 942 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2759% | 4,548 |
| Return on assets (ROA) | 0.2759% | 4,577 |
| Pretax return on assets | 0.2759% | 4,621 |
| Return on Equity (ROE) | 2.6807% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.6807% | 3,876 |
| Net charge-offs to loans | -0.2308% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1070% | 342 |
| Assets per employee ($millions) | 3.1830% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8147% | 851 |
| Loan loss allowance to noncurrent loans | 96.0908% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.5959% | 371 |
| Noncurrent loans to loans | 1.8885% | 593 |
| Net loans and leases to total assets | 57.4518% | 2,861 |
| Net loans and leases to deposits | 64.0332% | 3,122 |
| Net loans and leases to core deposits | 67.3262% | 3,128 |
| Total domestic deposits to total assets | 89.7219% | 947 |
| Equity capital to assets | 10.1826% | 2,531 |
| Core capital (leverage) ratio | 10.1781% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9400% | 799 |
| Memoranda: | ||
| Average total assets | $327,707,000 | 2,302 |
| Average earning assets | $298,584,000 | 2,343 |
| Average equity | $33,722,000 | 2,365 |
| Average total loans | $194,081,500 | 2,322 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 430 |
| Cost of funding earning assets | 0.1387% | 4,760 |
| Net interest margin | 4.9427% | 135 |
| Noninterest income to average assets | 0.7239% | 1,771 |
| Noninterest expense to average assets | 3.1850% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.9760% | 277 |
| Return on assets (ROA) | 1.9760% | 298 |
| Pretax return on assets | 1.9760% | 477 |
| Return on Equity (ROE) | 16.5119% | 452 |
| Retained earnings to average equity (ytd only) | 0.0485% | 4,502 |
| Net charge-offs to loans | -0.4290% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1251% | 3,286 |
| Assets per employee ($millions) | 3.0893% | 4,794 |
| Cash dividends to net income (ytd only)* | 99.7065% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7505% | 946 |
| Loan loss allowance to noncurrent loans | 96.0497% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 2.2215% | 234 |
| Noncurrent loans to loans | 1.8225% | 677 |
| Net loans and leases to total assets | 58.8997% | 2,994 |
| Net loans and leases to deposits | 65.7661% | 3,296 |
| Net loans and leases to core deposits | 69.0369% | 3,329 |
| Total domestic deposits to total assets | 89.5595% | 748 |
| Equity capital to assets | 10.4001% | 2,757 |
| Core capital (leverage) ratio | 10.5707% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7172% | 809 |
| Memoranda: | ||
| Average total assets | $293,123,800 | 2,329 |
| Average earning assets | $263,134,200 | 2,377 |
| Average equity | $35,077,800 | 2,230 |
| Average total loans | $190,423,600 | 2,322 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 261 |
| Cost of funding earning assets | 0.1396% | 4,829 |
| Net interest margin | 5.2997% | 96 |
| Noninterest income to average assets | 0.7164% | 1,745 |
| Noninterest expense to average assets | 3.3708% | 826 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.0838% | 249 |
| Return on assets (ROA) | 2.0838% | 271 |
| Pretax return on assets | 2.0838% | 432 |
| Return on Equity (ROE) | 16.7880% | 467 |
| Retained earnings to average equity (ytd only) | 16.7880% | 132 |
| Net charge-offs to loans | -0.7074% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2063% | 3,193 |
| Assets per employee ($millions) | 2.7684% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 688 |
| Loan loss allowance to noncurrent loans | 109.8135% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4038% | 229 |
| Noncurrent loans to loans | 1.6566% | 836 |
| Net loans and leases to total assets | 64.8393% | 2,654 |
| Net loans and leases to deposits | 74.5983% | 2,899 |
| Net loans and leases to core deposits | 78.7632% | 2,939 |
| Total domestic deposits to total assets | 86.9180% | 1,705 |
| Equity capital to assets | 12.7529% | 1,306 |
| Core capital (leverage) ratio | 12.2353% | 1,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4884% | 624 |
| Memoranda: | ||
| Average total assets | $285,309,750 | 2,349 |
| Average earning assets | $255,076,250 | 2,416 |
| Average equity | $35,413,250 | 2,192 |
| Average total loans | $189,413,750 | 2,323 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 753 |
| Cost of funding earning assets | 0.1550% | 4,868 |
| Net interest margin | 4.8992% | 242 |
| Noninterest income to average assets | 1.3435% | 569 |
| Noninterest expense to average assets | 3.4265% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2860% | 199 |
| Return on assets (ROA) | 2.2860% | 214 |
| Pretax return on assets | 2.2860% | 310 |
| Return on Equity (ROE) | 18.5988% | 328 |
| Retained earnings to average equity (ytd only) | 18.5988% | 111 |
| Net charge-offs to loans | -0.4820% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3715% | 3,506 |
| Assets per employee ($millions) | 2.8004% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,236 |
| Loan loss allowance to noncurrent loans | 90.1425% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 2.7283% | 192 |
| Noncurrent loans to loans | 1.6728% | 867 |
| Net loans and leases to total assets | 66.1790% | 2,603 |
| Net loans and leases to deposits | 75.6882% | 2,908 |
| Net loans and leases to core deposits | 79.7298% | 2,974 |
| Total domestic deposits to total assets | 87.4363% | 1,438 |
| Equity capital to assets | 12.2993% | 1,481 |
| Core capital (leverage) ratio | 12.0345% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2555% | 740 |
| Memoranda: | ||
| Average total assets | $280,749,667 | 2,357 |
| Average earning assets | $250,367,000 | 2,421 |
| Average equity | $34,507,667 | 2,235 |
| Average total loans | $186,733,333 | 2,336 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3167% | 533 |
| Cost of funding earning assets | 0.1860% | 4,916 |
| Net interest margin | 5.1307% | 162 |
| Noninterest income to average assets | 0.8404% | 1,191 |
| Noninterest expense to average assets | 3.7493% | 664 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6469% | 565 |
| Return on assets (ROA) | 1.6469% | 625 |
| Pretax return on assets | 1.6469% | 962 |
| Return on Equity (ROE) | 13.4035% | 805 |
| Retained earnings to average equity (ytd only) | 13.4035% | 293 |
| Net charge-offs to loans | -0.3946% | 5,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6885% | 2,557 |
| Assets per employee ($millions) | 2.5667% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,172 |
| Loan loss allowance to noncurrent loans | 76.8846% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 3.0666% | 189 |
| Noncurrent loans to loans | 2.0242% | 699 |
| Net loans and leases to total assets | 63.6631% | 3,105 |
| Net loans and leases to deposits | 72.6228% | 3,392 |
| Net loans and leases to core deposits | 76.8710% | 3,439 |
| Total domestic deposits to total assets | 87.6628% | 1,244 |
| Equity capital to assets | 12.1806% | 1,934 |
| Core capital (leverage) ratio | 12.1634% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5114% | 919 |
| Memoranda: | ||
| Average total assets | $271,303,500 | 2,362 |
| Average earning assets | $240,902,500 | 2,440 |
| Average equity | $33,334,500 | 2,284 |
| Average total loans | $179,432,000 | 2,365 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 391 |
| Cost of funding earning assets | 0.2068% | 4,950 |
| Net interest margin | 5.5041% | 113 |
| Noninterest income to average assets | 0.8192% | 1,388 |
| Noninterest expense to average assets | 3.5475% | 906 |
| Loan and lease loss provision to assets | 0.1840% | 1,122 |
| Net operating income to assets | 1.9948% | 360 |
| Return on assets (ROA) | 2.3153% | 194 |
| Pretax return on assets | 2.3153% | 298 |
| Return on Equity (ROE) | 17.9989% | 339 |
| Retained earnings to average equity (ytd only) | 0.0229% | 4,685 |
| Net charge-offs to loans | 0.6808% | 248 |
| Credit loss provision to net charge-offs | 39.0930% | 3,211 |
| Earnings coverage of net charge-offs (x) | 4.6286% | 3,195 |
| Efficiency ratio | 61.4307% | 3,471 |
| Assets per employee ($millions) | 2.5044% | 4,998 |
| Cash dividends to net income (ytd only)* | 99.8728% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,429 |
| Loan loss allowance to noncurrent loans | 163.7342% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 2.2442% | 316 |
| Noncurrent loans to loans | 0.8717% | 1,761 |
| Net loans and leases to total assets | 66.6755% | 2,875 |
| Net loans and leases to deposits | 76.1503% | 3,163 |
| Net loans and leases to core deposits | 80.9457% | 3,216 |
| Total domestic deposits to total assets | 87.5577% | 1,339 |
| Equity capital to assets | 12.3956% | 1,890 |
| Core capital (leverage) ratio | 11.9084% | 1,836 |
| Tier 1 risk-based capital ratio | 17.4555% | 1,907 |
| Total risk-based capital ratio | 18.7075% | 1,863 |
| Memoranda: | ||
| Average total assets | $271,712,400 | 2,322 |
| Average earning assets | $242,237,000 | 2,390 |
| Average equity | $34,952,200 | 2,141 |
| Average total loans | $187,854,000 | 2,249 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7279% | 397 |
| Cost of funding earning assets | 0.2051% | 5,030 |
| Net interest margin | 5.5228% | 119 |
| Noninterest income to average assets | 0.8088% | 1,391 |
| Noninterest expense to average assets | 3.5762% | 874 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1585% | 291 |
| Return on assets (ROA) | 2.5840% | 150 |
| Pretax return on assets | 2.5840% | 211 |
| Return on Equity (ROE) | 19.9095% | 253 |
| Retained earnings to average equity (ytd only) | 14.8982% | 150 |
| Net charge-offs to loans | -0.1273% | 5,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8402% | 3,348 |
| Assets per employee ($millions) | 2.4903% | 5,082 |
| Cash dividends to net income (ytd only)* | 25.1703% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 571 |
| Loan loss allowance to noncurrent loans | 142.1643% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 2.6295% | 243 |
| Noncurrent loans to loans | 1.3233% | 1,164 |
| Net loans and leases to total assets | 70.0838% | 2,454 |
| Net loans and leases to deposits | 81.9329% | 2,689 |
| Net loans and leases to core deposits | 87.3819% | 2,792 |
| Total domestic deposits to total assets | 85.5380% | 2,191 |
| Equity capital to assets | 14.0870% | 1,117 |
| Core capital (leverage) ratio | 13.0996% | 1,307 |
| Tier 1 risk-based capital ratio | 19.0890% | 1,547 |
| Total risk-based capital ratio | 20.3470% | 1,518 |
| Memoranda: | ||
| Average total assets | $272,647,000 | 2,331 |
| Average earning assets | $243,180,000 | 2,399 |
| Average equity | $35,386,000 | 2,136 |
| Average total loans | $189,502,500 | 2,261 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 451 |
| Cost of funding earning assets | 0.1736% | 5,123 |
| Net interest margin | 5.4536% | 136 |
| Noninterest income to average assets | 0.7883% | 1,387 |
| Noninterest expense to average assets | 3.5770% | 871 |
| Loan and lease loss provision to assets | 0.0007% | 3,680 |
| Net operating income to assets | 2.0904% | 332 |
| Return on assets (ROA) | 2.0904% | 346 |
| Pretax return on assets | 2.0904% | 565 |
| Return on Equity (ROE) | 16.5582% | 518 |
| Retained earnings to average equity (ytd only) | 16.5582% | 115 |
| Net charge-offs to loans | -0.2213% | 5,141 |
| Credit loss provision to net charge-offs | -0.4762% | 3,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5944% | 3,342 |
| Assets per employee ($millions) | 2.5433% | 5,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 592 |
| Loan loss allowance to noncurrent loans | 134.7777% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5833% | 281 |
| Noncurrent loans to loans | 1.3904% | 1,119 |
| Net loans and leases to total assets | 68.8267% | 2,699 |
| Net loans and leases to deposits | 79.7788% | 2,979 |
| Net loans and leases to core deposits | 85.3153% | 3,013 |
| Total domestic deposits to total assets | 86.2720% | 1,908 |
| Equity capital to assets | 13.4778% | 1,331 |
| Core capital (leverage) ratio | 12.7008% | 1,440 |
| Tier 1 risk-based capital ratio | 18.0683% | 1,789 |
| Total risk-based capital ratio | 19.3255% | 1,742 |
| Memoranda: | ||
| Average total assets | $275,540,330 | 2,324 |
| Average earning assets | $246,554,670 | 2,378 |
| Average equity | $34,786,330 | 2,149 |
| Average total loans | $189,821,670 | 2,260 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5954% | 432 |
| Cost of funding earning assets | 0.1514% | 5,210 |
| Net interest margin | 5.4440% | 137 |
| Noninterest income to average assets | 0.7748% | 1,354 |
| Noninterest expense to average assets | 3.4656% | 1,016 |
| Loan and lease loss provision to assets | 0.0014% | 3,396 |
| Net operating income to assets | 2.1858% | 281 |
| Return on assets (ROA) | 2.1858% | 291 |
| Pretax return on assets | 2.1858% | 466 |
| Return on Equity (ROE) | 17.9075% | 407 |
| Retained earnings to average equity (ytd only) | 17.9075% | 146 |
| Net charge-offs to loans | -0.4099% | 5,253 |
| Credit loss provision to net charge-offs | -0.5155% | 3,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7963% | 3,704 |
| Assets per employee ($millions) | 2.6354% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 625 |
| Loan loss allowance to noncurrent loans | 112.9042% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 2.4425% | 322 |
| Noncurrent loans to loans | 1.6527% | 946 |
| Net loans and leases to total assets | 67.0394% | 2,891 |
| Net loans and leases to deposits | 76.6903% | 3,197 |
| Net loans and leases to core deposits | 82.3139% | 3,161 |
| Total domestic deposits to total assets | 87.4157% | 1,610 |
| Equity capital to assets | 12.4536% | 1,764 |
| Core capital (leverage) ratio | 12.0595% | 1,737 |
| Tier 1 risk-based capital ratio | 17.6503% | 1,895 |
| Total risk-based capital ratio | 18.9079% | 1,851 |
| Memoranda: | ||
| Average total assets | $277,242,000 | 2,325 |
| Average earning assets | $248,420,000 | 2,393 |
| Average equity | $33,840,500 | 2,196 |
| Average total loans | $189,292,500 | 2,289 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3329% | 547 |
| Cost of funding earning assets | 0.1126% | 5,261 |
| Net interest margin | 5.2203% | 184 |
| Noninterest income to average assets | 0.7765% | 1,537 |
| Noninterest expense to average assets | 3.7408% | 734 |
| Loan and lease loss provision to assets | 0.0647% | 2,859 |
| Net operating income to assets | 1.6523% | 770 |
| Return on assets (ROA) | 1.6523% | 765 |
| Pretax return on assets | 1.6523% | 1,306 |
| Return on Equity (ROE) | 13.5351% | 1,161 |
| Retained earnings to average equity (ytd only) | 0.0383% | 4,977 |
| Net charge-offs to loans | -0.4285% | 5,333 |
| Credit loss provision to net charge-offs | -22.6131% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0142% | 2,542 |
| Assets per employee ($millions) | 2.5475% | 5,192 |
| Cash dividends to net income (ytd only)* | 99.7173% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 690 |
| Loan loss allowance to noncurrent loans | 128.0822% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2941% | 365 |
| Noncurrent loans to loans | 1.3997% | 1,114 |
| Net loans and leases to total assets | 67.0158% | 2,998 |
| Net loans and leases to deposits | 76.1609% | 3,338 |
| Net loans and leases to core deposits | 82.3867% | 3,231 |
| Total domestic deposits to total assets | 87.9924% | 1,300 |
| Equity capital to assets | 11.9549% | 1,931 |
| Core capital (leverage) ratio | 11.4743% | 2,125 |
| Tier 1 risk-based capital ratio | 16.7058% | 2,168 |
| Total risk-based capital ratio | 17.9623% | 2,112 |
| Memoranda: | ||
| Average total assets | $278,284,000 | 2,278 |
| Average earning assets | $249,547,200 | 2,338 |
| Average equity | $33,971,000 | 2,114 |
| Average total loans | $185,783,400 | 2,291 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 540 |
| Cost of funding earning assets | 0.1044% | 5,343 |
| Net interest margin | 5.1759% | 188 |
| Noninterest income to average assets | 0.8361% | 1,365 |
| Noninterest expense to average assets | 3.6568% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8236% | 580 |
| Return on assets (ROA) | 1.8236% | 581 |
| Pretax return on assets | 1.8236% | 957 |
| Return on Equity (ROE) | 14.8630% | 903 |
| Retained earnings to average equity (ytd only) | 9.3142% | 1,113 |
| Net charge-offs to loans | -0.5548% | 5,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2017% | 2,833 |
| Assets per employee ($millions) | 2.6177% | 5,252 |
| Cash dividends to net income (ytd only)* | 37.3329% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6926% | 887 |
| Loan loss allowance to noncurrent loans | 105.7898% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 2.8210% | 277 |
| Noncurrent loans to loans | 1.6000% | 989 |
| Net loans and leases to total assets | 64.3437% | 3,385 |
| Net loans and leases to deposits | 73.6210% | 3,627 |
| Net loans and leases to core deposits | 79.4382% | 3,541 |
| Total domestic deposits to total assets | 87.3985% | 1,547 |
| Equity capital to assets | 12.2825% | 1,714 |
| Core capital (leverage) ratio | 12.4799% | 1,513 |
| Tier 1 risk-based capital ratio | 17.6508% | 1,883 |
| Total risk-based capital ratio | 18.9055% | 1,840 |
| Memoranda: | ||
| Average total assets | $279,071,250 | 2,288 |
| Average earning assets | $250,412,750 | 2,348 |
| Average equity | $34,240,750 | 2,109 |
| Average total loans | $185,291,750 | 2,302 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 496 |
| Cost of funding earning assets | 0.1013% | 5,406 |
| Net interest margin | 5.1705% | 179 |
| Noninterest income to average assets | 0.8441% | 1,336 |
| Noninterest expense to average assets | 3.7323% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7560% | 642 |
| Return on assets (ROA) | 1.7560% | 644 |
| Pretax return on assets | 1.7560% | 1,082 |
| Return on Equity (ROE) | 14.3174% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.1705% | 1,993 |
| Net charge-offs to loans | -0.5227% | 5,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4780% | 2,731 |
| Assets per employee ($millions) | 2.4958% | 5,333 |
| Cash dividends to net income (ytd only)* | 49.9178% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 1,162 |
| Loan loss allowance to noncurrent loans | 89.3902% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 2.6947% | 302 |
| Noncurrent loans to loans | 1.7672% | 890 |
| Net loans and leases to total assets | 65.1985% | 3,250 |
| Net loans and leases to deposits | 74.6776% | 3,470 |
| Net loans and leases to core deposits | 81.3835% | 3,292 |
| Total domestic deposits to total assets | 87.3066% | 1,722 |
| Equity capital to assets | 12.4533% | 1,566 |
| Core capital (leverage) ratio | 11.9005% | 1,775 |
| Tier 1 risk-based capital ratio | 17.2889% | 2,008 |
| Total risk-based capital ratio | 18.5420% | 1,957 |
| Memoranda: | ||
| Average total assets | $276,987,000 | 2,305 |
| Average earning assets | $248,795,000 | 2,373 |
| Average equity | $33,972,670 | 2,124 |
| Average total loans | $184,806,000 | 2,311 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2312% | 462 |
| Cost of funding earning assets | 0.0989% | 5,469 |
| Net interest margin | 5.1322% | 178 |
| Noninterest income to average assets | 0.8540% | 1,283 |
| Noninterest expense to average assets | 3.7310% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7469% | 618 |
| Return on assets (ROA) | 1.7469% | 626 |
| Pretax return on assets | 1.7469% | 1,009 |
| Return on Equity (ROE) | 14.3513% | 936 |
| Retained earnings to average equity (ytd only) | 14.3513% | 380 |
| Net charge-offs to loans | -0.9642% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6115% | 2,894 |
| Assets per employee ($millions) | 2.5577% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,328 |
| Loan loss allowance to noncurrent loans | 163.2547% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 1.9464% | 598 |
| Noncurrent loans to loans | 0.9412% | 1,941 |
| Net loans and leases to total assets | 64.0803% | 3,295 |
| Net loans and leases to deposits | 72.9888% | 3,515 |
| Net loans and leases to core deposits | 79.3750% | 3,377 |
| Total domestic deposits to total assets | 87.7948% | 1,735 |
| Equity capital to assets | 12.0675% | 1,735 |
| Core capital (leverage) ratio | 11.9338% | 1,693 |
| Tier 1 risk-based capital ratio | 17.1937% | 2,059 |
| Total risk-based capital ratio | 18.4466% | 2,014 |
| Memoranda: | ||
| Average total assets | $278,212,000 | 2,317 |
| Average earning assets | $250,652,000 | 2,371 |
| Average equity | $33,864,500 | 2,147 |
| Average total loans | $186,275,500 | 2,310 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2028% | 444 |
| Cost of funding earning assets | 0.1035% | 5,485 |
| Net interest margin | 5.0993% | 195 |
| Noninterest income to average assets | 0.8540% | 1,400 |
| Noninterest expense to average assets | 3.2805% | 1,414 |
| Loan and lease loss provision to assets | 0.7643% | 156 |
| Net operating income to assets | 1.4290% | 952 |
| Return on assets (ROA) | 1.4290% | 967 |
| Pretax return on assets | 1.4290% | 1,889 |
| Return on Equity (ROE) | 11.3209% | 1,388 |
| Retained earnings to average equity (ytd only) | -3.4804% | 5,370 |
| Net charge-offs to loans | 1.1576% | 144 |
| Credit loss provision to net charge-offs | 95.8948% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.7518% | 3,710 |
| Efficiency ratio | 59.4533% | 4,348 |
| Assets per employee ($millions) | 2.4117% | 5,488 |
| Cash dividends to net income (ytd only)* | 130.7435% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 2,361 |
| Loan loss allowance to noncurrent loans | 44.8995% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.9679% | 575 |
| Noncurrent loans to loans | 2.8346% | 410 |
| Net loans and leases to total assets | 68.0300% | 2,811 |
| Net loans and leases to deposits | 77.5965% | 3,162 |
| Net loans and leases to core deposits | 82.6801% | 3,181 |
| Total domestic deposits to total assets | 87.6714% | 1,669 |
| Equity capital to assets | 12.2813% | 1,651 |
| Core capital (leverage) ratio | 11.5234% | 1,930 |
| Tier 1 risk-based capital ratio | 16.6477% | 2,212 |
| Total risk-based capital ratio | 17.8972% | 2,163 |
| Memoranda: | ||
| Average total assets | $271,999,000 | 2,337 |
| Average earning assets | $246,427,200 | 2,372 |
| Average equity | $34,334,800 | 2,116 |
| Average total loans | $187,280,600 | 2,261 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 429 |
| Cost of funding earning assets | 0.1033% | 5,545 |
| Net interest margin | 5.0801% | 197 |
| Noninterest income to average assets | 0.8700% | 1,372 |
| Noninterest expense to average assets | 3.2942% | 1,368 |
| Loan and lease loss provision to assets | 0.0387% | 3,330 |
| Net operating income to assets | 2.1417% | 243 |
| Return on assets (ROA) | 2.1417% | 246 |
| Pretax return on assets | 2.1417% | 413 |
| Return on Equity (ROE) | 16.8518% | 450 |
| Retained earnings to average equity (ytd only) | -2.7591% | 5,470 |
| Net charge-offs to loans | -0.4780% | 5,651 |
| Credit loss provision to net charge-offs | -11.7735% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6972% | 4,265 |
| Assets per employee ($millions) | 2.4107% | 5,547 |
| Cash dividends to net income (ytd only)* | 116.3728% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 984 |
| Loan loss allowance to noncurrent loans | 34.1332% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 3.4974% | 220 |
| Noncurrent loans to loans | 5.0499% | 160 |
| Net loans and leases to total assets | 66.4074% | 3,055 |
| Net loans and leases to deposits | 76.0695% | 3,372 |
| Net loans and leases to core deposits | 80.9816% | 3,371 |
| Total domestic deposits to total assets | 87.2983% | 1,731 |
| Equity capital to assets | 12.3673% | 1,736 |
| Core capital (leverage) ratio | 12.0281% | 1,669 |
| Tier 1 risk-based capital ratio | 16.6278% | 2,275 |
| Total risk-based capital ratio | 17.8826% | 2,229 |
| Memoranda: | ||
| Average total assets | $271,868,500 | 2,351 |
| Average earning assets | $246,421,000 | 2,387 |
| Average equity | $34,551,250 | 2,121 |
| Average total loans | $187,154,250 | 2,278 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 383 |
| Cost of funding earning assets | 0.1054% | 5,585 |
| Net interest margin | 5.1136% | 186 |
| Noninterest income to average assets | 0.8738% | 1,350 |
| Noninterest expense to average assets | 3.3390% | 1,293 |
| Loan and lease loss provision to assets | 0.0585% | 2,800 |
| Net operating income to assets | 2.1090% | 253 |
| Return on assets (ROA) | 2.1090% | 257 |
| Pretax return on assets | 2.1090% | 434 |
| Return on Equity (ROE) | 16.4436% | 466 |
| Retained earnings to average equity (ytd only) | -2.5520% | 5,386 |
| Net charge-offs to loans | -0.6670% | 5,713 |
| Credit loss provision to net charge-offs | -12.6603% | 4,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1668% | 4,293 |
| Assets per employee ($millions) | 2.2572% | 5,628 |
| Cash dividends to net income (ytd only)* | 115.5197% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 1,041 |
| Loan loss allowance to noncurrent loans | 41.0104% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 2.9577% | 314 |
| Noncurrent loans to loans | 4.1688% | 219 |
| Net loans and leases to total assets | 66.9806% | 2,954 |
| Net loans and leases to deposits | 76.9132% | 3,231 |
| Net loans and leases to core deposits | 81.2964% | 3,313 |
| Total domestic deposits to total assets | 87.0859% | 1,906 |
| Equity capital to assets | 12.6687% | 1,536 |
| Core capital (leverage) ratio | 11.8402% | 1,740 |
| Tier 1 risk-based capital ratio | 17.2662% | 2,071 |
| Total risk-based capital ratio | 18.5216% | 2,023 |
| Memoranda: | ||
| Average total assets | $270,081,000 | 2,375 |
| Average earning assets | $244,680,330 | 2,411 |
| Average equity | $34,639,670 | 2,097 |
| Average total loans | $187,095,330 | 2,282 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2973% | 322 |
| Cost of funding earning assets | 0.1019% | 5,643 |
| Net interest margin | 5.1954% | 156 |
| Noninterest income to average assets | 0.8445% | 1,416 |
| Noninterest expense to average assets | 3.4063% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1448% | 246 |
| Return on assets (ROA) | 2.1448% | 254 |
| Pretax return on assets | 2.1448% | 389 |
| Return on Equity (ROE) | 16.6191% | 451 |
| Retained earnings to average equity (ytd only) | 8.9443% | 1,099 |
| Net charge-offs to loans | -0.1237% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8801% | 4,338 |
| Assets per employee ($millions) | 2.3901% | 5,660 |
| Cash dividends to net income (ytd only)* | 46.1806% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,427 |
| Loan loss allowance to noncurrent loans | 90.2205% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 1,592 |
| Noncurrent loans to loans | 1.4665% | 1,371 |
| Net loans and leases to total assets | 67.0884% | 2,804 |
| Net loans and leases to deposits | 76.7618% | 3,107 |
| Net loans and leases to core deposits | 80.9756% | 3,200 |
| Total domestic deposits to total assets | 87.3981% | 2,032 |
| Equity capital to assets | 12.4679% | 1,567 |
| Core capital (leverage) ratio | 12.3657% | 1,415 |
| Tier 1 risk-based capital ratio | 17.1002% | 2,148 |
| Total risk-based capital ratio | 18.3503% | 2,101 |
| Memoranda: | ||
| Average total assets | $268,561,000 | 2,409 |
| Average earning assets | $243,293,000 | 2,449 |
| Average equity | $34,659,000 | 2,099 |
| Average total loans | $187,583,000 | 2,292 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 351 |
| Cost of funding earning assets | 0.0924% | 5,735 |
| Net interest margin | 5.2132% | 167 |
| Noninterest income to average assets | 0.7904% | 1,780 |
| Noninterest expense to average assets | 3.2681% | 1,645 |
| Loan and lease loss provision to assets | 0.6535% | 197 |
| Net operating income to assets | 1.6084% | 666 |
| Return on assets (ROA) | 1.6476% | 638 |
| Pretax return on assets | 1.6476% | 1,144 |
| Return on Equity (ROE) | 11.4279% | 1,428 |
| Retained earnings to average equity (ytd only) | -1.7848% | 5,518 |
| Net charge-offs to loans | 0.8249% | 242 |
| Credit loss provision to net charge-offs | 116.2278% | 2,267 |
| Earnings coverage of net charge-offs (x) | 4.0228% | 3,571 |
| Efficiency ratio | 58.5830% | 4,779 |
| Assets per employee ($millions) | 2.3619% | 5,714 |
| Cash dividends to net income (ytd only)* | 115.6182% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 2,291 |
| Loan loss allowance to noncurrent loans | 94.3683% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 1,683 |
| Noncurrent loans to loans | 1.4328% | 1,419 |
| Net loans and leases to total assets | 70.9313% | 2,344 |
| Net loans and leases to deposits | 81.9742% | 2,673 |
| Net loans and leases to core deposits | 86.9403% | 2,770 |
| Total domestic deposits to total assets | 86.5288% | 2,361 |
| Equity capital to assets | 13.3893% | 1,095 |
| Core capital (leverage) ratio | 13.1264% | 1,094 |
| Tier 1 risk-based capital ratio | 17.9569% | 1,856 |
| Total risk-based capital ratio | 19.2078% | 1,821 |
| Memoranda: | ||
| Average total assets | $249,873,600 | 2,510 |
| Average earning assets | $227,173,400 | 2,537 |
| Average equity | $36,026,000 | 2,022 |
| Average total loans | $170,316,200 | 2,414 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2788% | 380 |
| Cost of funding earning assets | 0.0925% | 5,800 |
| Net interest margin | 5.1863% | 175 |
| Noninterest income to average assets | 0.7837% | 1,834 |
| Noninterest expense to average assets | 3.2012% | 1,771 |
| Loan and lease loss provision to assets | 0.2993% | 567 |
| Net operating income to assets | 2.0029% | 343 |
| Return on assets (ROA) | 2.0066% | 350 |
| Pretax return on assets | 2.0066% | 560 |
| Return on Equity (ROE) | 13.6677% | 886 |
| Retained earnings to average equity (ytd only) | -1.2933% | 5,527 |
| Net charge-offs to loans | 0.0639% | 2,438 |
| Credit loss provision to net charge-offs | 697.5000% | 567 |
| Earnings coverage of net charge-offs (x) | 53.6520% | 1,021 |
| Efficiency ratio | 57.6511% | 4,866 |
| Assets per employee ($millions) | 2.3619% | 5,787 |
| Cash dividends to net income (ytd only)* | 109.4625% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,557 |
| Loan loss allowance to noncurrent loans | 304.2363% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 3,611 |
| Noncurrent loans to loans | 0.5165% | 3,448 |
| Net loans and leases to total assets | 69.5948% | 2,554 |
| Net loans and leases to deposits | 81.9629% | 2,739 |
| Net loans and leases to core deposits | 87.7125% | 2,788 |
| Total domestic deposits to total assets | 84.9102% | 2,844 |
| Equity capital to assets | 14.7311% | 807 |
| Core capital (leverage) ratio | 13.2412% | 1,093 |
| Tier 1 risk-based capital ratio | 19.3053% | 1,600 |
| Total risk-based capital ratio | 20.5590% | 1,560 |
| Memoranda: | ||
| Average total assets | $248,570,750 | 2,526 |
| Average earning assets | $226,206,000 | 2,550 |
| Average equity | $36,494,000 | 2,009 |
| Average total loans | $167,041,500 | 2,447 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 391 |
| Cost of funding earning assets | 0.0941% | 5,871 |
| Net interest margin | 5.1613% | 183 |
| Noninterest income to average assets | 0.7630% | 1,875 |
| Noninterest expense to average assets | 3.1457% | 1,942 |
| Loan and lease loss provision to assets | 0.4336% | 333 |
| Net operating income to assets | 1.8898% | 407 |
| Return on assets (ROA) | 1.8898% | 426 |
| Pretax return on assets | 1.8898% | 715 |
| Return on Equity (ROE) | 12.8863% | 1,059 |
| Retained earnings to average equity (ytd only) | -4.1370% | 5,702 |
| Net charge-offs to loans | 0.0461% | 2,555 |
| Credit loss provision to net charge-offs | 1,423.6842% | 277 |
| Earnings coverage of net charge-offs (x) | 76.2895% | 727 |
| Efficiency ratio | 57.0047% | 5,026 |
| Assets per employee ($millions) | 2.3816% | 5,833 |
| Cash dividends to net income (ytd only)* | 132.1035% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,366 |
| Loan loss allowance to noncurrent loans | 356.2743% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,899 |
| Noncurrent loans to loans | 0.4661% | 3,693 |
| Net loans and leases to total assets | 66.4798% | 3,012 |
| Net loans and leases to deposits | 78.1775% | 3,136 |
| Net loans and leases to core deposits | 83.9475% | 3,088 |
| Total domestic deposits to total assets | 85.0371% | 2,861 |
| Equity capital to assets | 14.7159% | 808 |
| Core capital (leverage) ratio | 12.9620% | 1,162 |
| Tier 1 risk-based capital ratio | 19.2220% | 1,646 |
| Total risk-based capital ratio | 20.4761% | 1,607 |
| Memoranda: | ||
| Average total assets | $249,549,000 | 2,534 |
| Average earning assets | $227,538,330 | 2,559 |
| Average equity | $36,597,000 | 2,012 |
| Average total loans | $164,829,000 | 2,476 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 373 |
| Cost of funding earning assets | 0.0993% | 5,918 |
| Net interest margin | 5.1722% | 186 |
| Noninterest income to average assets | 0.7359% | 1,880 |
| Noninterest expense to average assets | 3.2980% | 1,608 |
| Loan and lease loss provision to assets | 0.2940% | 540 |
| Net operating income to assets | 1.8628% | 428 |
| Return on assets (ROA) | 1.8628% | 455 |
| Pretax return on assets | 1.8628% | 748 |
| Return on Equity (ROE) | 12.7232% | 1,098 |
| Retained earnings to average equity (ytd only) | 5.1240% | 2,858 |
| Net charge-offs to loans | -0.0828% | 5,561 |
| Credit loss provision to net charge-offs | -544.1176% | 4,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9359% | 4,754 |
| Assets per employee ($millions) | 2.5231% | 5,836 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 2,023 |
| Loan loss allowance to noncurrent loans | 550.1114% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 4,666 |
| Noncurrent loans to loans | 0.2711% | 4,464 |
| Net loans and leases to total assets | 64.6530% | 3,160 |
| Net loans and leases to deposits | 75.9484% | 3,228 |
| Net loans and leases to core deposits | 81.6493% | 3,161 |
| Total domestic deposits to total assets | 85.1276% | 3,075 |
| Equity capital to assets | 14.7143% | 770 |
| Core capital (leverage) ratio | 13.7378% | 890 |
| Tier 1 risk-based capital ratio | 19.6764% | 1,574 |
| Total risk-based capital ratio | 20.9281% | 1,542 |
| Memoranda: | ||
| Average total assets | $251,670,500 | 2,528 |
| Average earning assets | $229,614,000 | 2,551 |
| Average equity | $36,846,000 | 1,996 |
| Average total loans | $164,327,000 | 2,474 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 713 |
| Cost of funding earning assets | 0.1306% | 5,812 |
| Net interest margin | 4.8050% | 370 |
| Noninterest income to average assets | 0.7088% | 2,161 |
| Noninterest expense to average assets | 2.8452% | 3,056 |
| Loan and lease loss provision to assets | 0.1298% | 1,845 |
| Net operating income to assets | 2.1279% | 280 |
| Return on assets (ROA) | 2.1279% | 286 |
| Pretax return on assets | 2.1279% | 401 |
| Return on Equity (ROE) | 15.5239% | 613 |
| Retained earnings to average equity (ytd only) | 5.1962% | 2,281 |
| Net charge-offs to loans | -0.0362% | 5,467 |
| Credit loss provision to net charge-offs | -601.7857% | 5,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2200% | 5,420 |
| Assets per employee ($millions) | 2.4854% | 5,898 |
| Cash dividends to net income (ytd only)* | 66.5279% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,513 |
| Loan loss allowance to noncurrent loans | 303.7787% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 4,224 |
| Noncurrent loans to loans | 0.4544% | 3,843 |
| Net loans and leases to total assets | 64.0586% | 3,268 |
| Net loans and leases to deposits | 75.0436% | 3,379 |
| Net loans and leases to core deposits | 80.6849% | 3,277 |
| Total domestic deposits to total assets | 85.3618% | 2,920 |
| Equity capital to assets | 14.5665% | 753 |
| Core capital (leverage) ratio | 13.6943% | 911 |
| Tier 1 risk-based capital ratio | 19.3999% | 1,611 |
| Total risk-based capital ratio | 20.6503% | 1,570 |
| Memoranda: | ||
| Average total assets | $259,595,200 | 2,427 |
| Average earning assets | $237,400,400 | 2,445 |
| Average equity | $35,583,800 | 2,003 |
| Average total loans | $154,491,000 | 2,537 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 864 |
| Cost of funding earning assets | 0.1358% | 5,881 |
| Net interest margin | 4.7084% | 444 |
| Noninterest income to average assets | 0.7121% | 2,178 |
| Noninterest expense to average assets | 2.8685% | 2,941 |
| Loan and lease loss provision to assets | 0.1462% | 1,496 |
| Net operating income to assets | 2.0065% | 361 |
| Return on assets (ROA) | 2.0065% | 376 |
| Pretax return on assets | 2.0065% | 596 |
| Return on Equity (ROE) | 14.8617% | 744 |
| Retained earnings to average equity (ytd only) | 4.8256% | 3,033 |
| Net charge-offs to loans | 0.0473% | 2,949 |
| Credit loss provision to net charge-offs | 531.4815% | 619 |
| Earnings coverage of net charge-offs (x) | 78.2574% | 756 |
| Efficiency ratio | 56.5892% | 5,274 |
| Assets per employee ($millions) | 2.4077% | 6,003 |
| Cash dividends to net income (ytd only)* | 67.5299% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 3,049 |
| Loan loss allowance to noncurrent loans | 511.2469% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 4,824 |
| Noncurrent loans to loans | 0.2557% | 4,661 |
| Net loans and leases to total assets | 65.5778% | 3,078 |
| Net loans and leases to deposits | 77.3258% | 3,162 |
| Net loans and leases to core deposits | 83.5598% | 3,092 |
| Total domestic deposits to total assets | 84.8072% | 3,094 |
| Equity capital to assets | 14.8472% | 777 |
| Core capital (leverage) ratio | 13.6074% | 972 |
| Tier 1 risk-based capital ratio | 19.8072% | 1,601 |
| Total risk-based capital ratio | 21.0520% | 1,564 |
| Memoranda: | ||
| Average total assets | $261,737,000 | 2,425 |
| Average earning assets | $239,538,500 | 2,441 |
| Average equity | $35,338,250 | 2,026 |
| Average total loans | $152,349,750 | 2,574 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,151 |
| Cost of funding earning assets | 0.1346% | 5,952 |
| Net interest margin | 4.5228% | 612 |
| Noninterest income to average assets | 0.6721% | 2,343 |
| Noninterest expense to average assets | 2.8125% | 3,181 |
| Loan and lease loss provision to assets | 0.0990% | 2,173 |
| Net operating income to assets | 1.9127% | 426 |
| Return on assets (ROA) | 1.9127% | 445 |
| Pretax return on assets | 1.9127% | 719 |
| Return on Equity (ROE) | 14.6016% | 803 |
| Retained earnings to average equity (ytd only) | 5.0566% | 2,826 |
| Net charge-offs to loans | -0.1202% | 5,852 |
| Credit loss provision to net charge-offs | -147.7778% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7600% | 5,249 |
| Assets per employee ($millions) | 2.7665% | 5,846 |
| Cash dividends to net income (ytd only)* | 65.3696% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,977 |
| Loan loss allowance to noncurrent loans | 325.1563% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 4,662 |
| Noncurrent loans to loans | 0.4156% | 4,231 |
| Net loans and leases to total assets | 57.2048% | 4,195 |
| Net loans and leases to deposits | 66.1186% | 4,331 |
| Net loans and leases to core deposits | 70.3918% | 4,287 |
| Total domestic deposits to total assets | 86.5185% | 2,426 |
| Equity capital to assets | 13.2285% | 1,288 |
| Core capital (leverage) ratio | 13.6192% | 952 |
| Tier 1 risk-based capital ratio | 20.4731% | 1,457 |
| Total risk-based capital ratio | 21.7235% | 1,429 |
| Memoranda: | ||
| Average total assets | $268,725,330 | 2,386 |
| Average earning assets | $246,707,670 | 2,401 |
| Average equity | $35,201,670 | 2,042 |
| Average total loans | $149,805,000 | 2,620 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 1,256 |
| Cost of funding earning assets | 0.1368% | 6,020 |
| Net interest margin | 4.4479% | 663 |
| Noninterest income to average assets | 0.6911% | 2,199 |
| Noninterest expense to average assets | 2.9982% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7832% | 493 |
| Return on assets (ROA) | 1.7832% | 520 |
| Pretax return on assets | 1.7832% | 892 |
| Return on Equity (ROE) | 13.6792% | 944 |
| Retained earnings to average equity (ytd only) | 6.1301% | 2,412 |
| Net charge-offs to loans | -0.0325% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1479% | 4,774 |
| Assets per employee ($millions) | 2.4349% | 6,148 |
| Cash dividends to net income (ytd only)* | 55.1867% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 3,713 |
| Loan loss allowance to noncurrent loans | 338.7681% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 4,789 |
| Noncurrent loans to loans | 0.3677% | 4,486 |
| Net loans and leases to total assets | 60.2872% | 3,613 |
| Net loans and leases to deposits | 70.6207% | 3,677 |
| Net loans and leases to core deposits | 75.8952% | 3,608 |
| Total domestic deposits to total assets | 85.3677% | 3,237 |
| Equity capital to assets | 14.4526% | 847 |
| Core capital (leverage) ratio | 12.1739% | 1,531 |
| Tier 1 risk-based capital ratio | 22.5594% | 1,165 |
| Total risk-based capital ratio | 23.8566% | 1,143 |
| Memoranda: | ||
| Average total assets | $270,295,000 | 2,381 |
| Average earning assets | $248,567,500 | 2,388 |
| Average equity | $35,236,000 | 2,054 |
| Average total loans | $147,703,000 | 2,654 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 692 |
| Cost of funding earning assets | 0.1728% | 5,959 |
| Net interest margin | 4.8865% | 367 |
| Noninterest income to average assets | 0.6965% | 2,319 |
| Noninterest expense to average assets | 3.0781% | 2,597 |
| Loan and lease loss provision to assets | 0.3478% | 553 |
| Net operating income to assets | 1.7172% | 563 |
| Return on assets (ROA) | 1.8773% | 421 |
| Pretax return on assets | 1.8773% | 673 |
| Return on Equity (ROE) | 13.7585% | 981 |
| Retained earnings to average equity (ytd only) | 3.8566% | 3,477 |
| Net charge-offs to loans | 0.6239% | 631 |
| Credit loss provision to net charge-offs | 100.1170% | 2,385 |
| Earnings coverage of net charge-offs (x) | 5.9439% | 3,310 |
| Efficiency ratio | 59.6429% | 5,271 |
| Assets per employee ($millions) | 2.9765% | 5,729 |
| Cash dividends to net income (ytd only)* | 71.9697% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 3,549 |
| Loan loss allowance to noncurrent loans | 313.8514% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,998 |
| Noncurrent loans to loans | 0.4075% | 4,419 |
| Net loans and leases to total assets | 48.6712% | 5,100 |
| Net loans and leases to deposits | 55.2711% | 5,230 |
| Net loans and leases to core deposits | 58.3626% | 5,239 |
| Total domestic deposits to total assets | 88.0591% | 1,739 |
| Equity capital to assets | 11.8540% | 2,127 |
| Core capital (leverage) ratio | 12.1853% | 1,506 |
| Tier 1 risk-based capital ratio | 14.3258% | 3,881 |
| Total risk-based capital ratio | 15.1720% | 4,088 |
| Memoranda: | ||
| Average total assets | $246,095,800 | 2,561 |
| Average earning assets | $223,941,400 | 2,589 |
| Average equity | $33,579,200 | 2,075 |
| Average total loans | $137,042,800 | 2,749 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 434 |
| Cost of funding earning assets | 0.1864% | 5,952 |
| Net interest margin | 5.1317% | 229 |
| Noninterest income to average assets | 0.7830% | 1,956 |
| Noninterest expense to average assets | 3.1749% | 2,252 |
| Loan and lease loss provision to assets | 0.1829% | 1,339 |
| Net operating income to assets | 2.0693% | 303 |
| Return on assets (ROA) | 2.0699% | 312 |
| Pretax return on assets | 2.0699% | 482 |
| Return on Equity (ROE) | 14.5678% | 893 |
| Retained earnings to average equity (ytd only) | 3.8987% | 3,879 |
| Net charge-offs to loans | 0.3813% | 1,046 |
| Credit loss provision to net charge-offs | 83.1606% | 2,540 |
| Earnings coverage of net charge-offs (x) | 10.2384% | 2,568 |
| Efficiency ratio | 58.2905% | 5,407 |
| Assets per employee ($millions) | 2.4127% | 6,287 |
| Cash dividends to net income (ytd only)* | 73.2379% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 3,916 |
| Loan loss allowance to noncurrent loans | 177.6016% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 4,090 |
| Noncurrent loans to loans | 0.7061% | 3,844 |
| Net loans and leases to total assets | 59.0780% | 3,918 |
| Net loans and leases to deposits | 69.4590% | 3,975 |
| Net loans and leases to core deposits | 74.7146% | 3,879 |
| Total domestic deposits to total assets | 85.0546% | 3,319 |
| Equity capital to assets | 14.6310% | 826 |
| Core capital (leverage) ratio | 12.6970% | 1,303 |
| Tier 1 risk-based capital ratio | 20.5501% | 1,539 |
| Total risk-based capital ratio | 21.7333% | 1,525 |
| Memoranda: | ||
| Average total assets | $233,952,500 | 2,681 |
| Average earning assets | $211,725,250 | 2,712 |
| Average equity | $33,241,500 | 2,101 |
| Average total loans | $134,984,250 | 2,789 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2736% | 452 |
| Cost of funding earning assets | 0.1970% | 5,937 |
| Net interest margin | 5.0766% | 250 |
| Noninterest income to average assets | 0.7576% | 2,015 |
| Noninterest expense to average assets | 3.3145% | 1,884 |
| Loan and lease loss provision to assets | 0.2763% | 742 |
| Net operating income to assets | 1.7597% | 524 |
| Return on assets (ROA) | 1.7605% | 548 |
| Pretax return on assets | 1.7605% | 915 |
| Return on Equity (ROE) | 12.5181% | 1,304 |
| Retained earnings to average equity (ytd only) | 0.3061% | 5,603 |
| Net charge-offs to loans | 0.3718% | 1,098 |
| Credit loss provision to net charge-offs | 130.4878% | 1,603 |
| Earnings coverage of net charge-offs (x) | 9.6138% | 2,341 |
| Efficiency ratio | 61.7377% | 5,045 |
| Assets per employee ($millions) | 2.5868% | 6,226 |
| Cash dividends to net income (ytd only)* | 97.5550% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 3,272 |
| Loan loss allowance to noncurrent loans | 113.1148% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 3,345 |
| Noncurrent loans to loans | 1.2504% | 2,726 |
| Net loans and leases to total assets | 56.5829% | 4,182 |
| Net loans and leases to deposits | 66.0746% | 4,264 |
| Net loans and leases to core deposits | 71.0397% | 4,148 |
| Total domestic deposits to total assets | 85.6349% | 3,223 |
| Equity capital to assets | 14.1138% | 924 |
| Core capital (leverage) ratio | 12.5559% | 1,365 |
| Tier 1 risk-based capital ratio | 19.1752% | 1,880 |
| Total risk-based capital ratio | 20.4021% | 1,848 |
| Memoranda: | ||
| Average total assets | $232,316,000 | 2,702 |
| Average earning assets | $210,178,670 | 2,739 |
| Average equity | $32,672,670 | 2,119 |
| Average total loans | $132,343,330 | 2,826 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 452 |
| Cost of funding earning assets | 0.2081% | 5,936 |
| Net interest margin | 5.0337% | 253 |
| Noninterest income to average assets | 0.7513% | 1,955 |
| Noninterest expense to average assets | 3.8173% | 952 |
| Loan and lease loss provision to assets | 0.3852% | 437 |
| Net operating income to assets | 1.1016% | 1,811 |
| Return on assets (ROA) | 1.1016% | 1,869 |
| Pretax return on assets | 1.1016% | 2,890 |
| Return on Equity (ROE) | 7.8474% | 3,017 |
| Retained earnings to average equity (ytd only) | -0.4098% | 5,628 |
| Net charge-offs to loans | 0.7126% | 499 |
| Credit loss provision to net charge-offs | 95.2586% | 1,746 |
| Earnings coverage of net charge-offs (x) | 3.6767% | 2,646 |
| Efficiency ratio | 71.7384% | 3,535 |
| Assets per employee ($millions) | 2.5836% | 6,306 |
| Cash dividends to net income (ytd only)* | 105.2215% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 3,829 |
| Loan loss allowance to noncurrent loans | 124.5614% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 3,834 |
| Noncurrent loans to loans | 1.0874% | 3,243 |
| Net loans and leases to total assets | 54.7751% | 4,310 |
| Net loans and leases to deposits | 63.3100% | 4,398 |
| Net loans and leases to core deposits | 67.7198% | 4,341 |
| Total domestic deposits to total assets | 86.5189% | 3,097 |
| Equity capital to assets | 13.3206% | 1,166 |
| Core capital (leverage) ratio | 13.6128% | 940 |
| Tier 1 risk-based capital ratio | 20.4316% | 1,606 |
| Total risk-based capital ratio | 21.6715% | 1,578 |
| Memoranda: | ||
| Average total assets | $229,480,500 | 2,749 |
| Average earning assets | $207,561,500 | 2,771 |
| Average equity | $32,214,500 | 2,139 |
| Average total loans | $130,219,000 | 2,873 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1834% | 664 |
| Cost of funding earning assets | 0.1432% | 6,567 |
| Net interest margin | 5.0403% | 294 |
| Noninterest income to average assets | 0.7162% | 2,456 |
| Noninterest expense to average assets | 3.0976% | 2,739 |
| Loan and lease loss provision to assets | 0.0693% | 3,743 |
| Net operating income to assets | 2.1306% | 277 |
| Return on assets (ROA) | 2.1306% | 277 |
| Pretax return on assets | 2.1306% | 360 |
| Return on Equity (ROE) | 14.1796% | 908 |
| Retained earnings to average equity (ytd only) | 6.4638% | 1,709 |
| Net charge-offs to loans | 0.1136% | 3,681 |
| Credit loss provision to net charge-offs | 107.2993% | 2,235 |
| Earnings coverage of net charge-offs (x) | 34.0584% | 1,072 |
| Efficiency ratio | 58.2414% | 5,708 |
| Assets per employee ($millions) | 2.4264% | 6,448 |
| Cash dividends to net income (ytd only)* | 54.4147% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,215 |
| Loan loss allowance to noncurrent loans | 541.3994% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 5,343 |
| Noncurrent loans to loans | 0.2763% | 5,345 |
| Net loans and leases to total assets | 57.2754% | 4,152 |
| Net loans and leases to deposits | 67.3512% | 4,140 |
| Net loans and leases to core deposits | 72.5059% | 4,004 |
| Total domestic deposits to total assets | 85.0399% | 3,724 |
| Equity capital to assets | 14.8627% | 696 |
| Core capital (leverage) ratio | 14.8418% | 624 |
| Tier 1 risk-based capital ratio | 21.2087% | 1,385 |
| Total risk-based capital ratio | 22.4594% | 1,370 |
| Memoranda: | ||
| Average total assets | $212,096,800 | 2,893 |
| Average earning assets | $192,787,800 | 2,917 |
| Average equity | $31,869,800 | 2,137 |
| Average total loans | $120,611,800 | 3,023 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 713 |
| Cost of funding earning assets | 0.1446% | 6,657 |
| Net interest margin | 5.0051% | 315 |
| Noninterest income to average assets | 0.6920% | 2,652 |
| Noninterest expense to average assets | 3.0552% | 2,806 |
| Loan and lease loss provision to assets | 0.0649% | 3,760 |
| Net operating income to assets | 2.1271% | 291 |
| Return on assets (ROA) | 2.1271% | 304 |
| Pretax return on assets | 2.1271% | 451 |
| Return on Equity (ROE) | 14.1172% | 970 |
| Retained earnings to average equity (ytd only) | 6.6198% | 2,075 |
| Net charge-offs to loans | 0.1192% | 3,358 |
| Credit loss provision to net charge-offs | 96.2617% | 2,481 |
| Earnings coverage of net charge-offs (x) | 32.5334% | 1,167 |
| Efficiency ratio | 57.9863% | 5,686 |
| Assets per employee ($millions) | 2.3791% | 6,554 |
| Cash dividends to net income (ytd only)* | 53.1083% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 3,326 |
| Loan loss allowance to noncurrent loans | 375.3564% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 5,197 |
| Noncurrent loans to loans | 0.4081% | 5,174 |
| Net loans and leases to total assets | 57.2355% | 4,135 |
| Net loans and leases to deposits | 67.6292% | 4,110 |
| Net loans and leases to core deposits | 73.0095% | 3,971 |
| Total domestic deposits to total assets | 84.6314% | 3,914 |
| Equity capital to assets | 15.0082% | 715 |
| Core capital (leverage) ratio | 14.5740% | 715 |
| Tier 1 risk-based capital ratio | 21.5039% | 1,398 |
| Total risk-based capital ratio | 22.7546% | 1,371 |
| Memoranda: | ||
| Average total assets | $211,740,750 | 2,921 |
| Average earning assets | $192,704,250 | 2,937 |
| Average equity | $31,903,500 | 2,154 |
| Average total loans | $119,726,750 | 3,063 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 735 |
| Cost of funding earning assets | 0.1431% | 6,730 |
| Net interest margin | 4.9826% | 319 |
| Noninterest income to average assets | 0.6300% | 3,018 |
| Noninterest expense to average assets | 3.0282% | 2,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.1404% | 288 |
| Return on assets (ROA) | 2.1404% | 303 |
| Pretax return on assets | 2.1404% | 470 |
| Return on Equity (ROE) | 14.1875% | 968 |
| Retained earnings to average equity (ytd only) | 7.1714% | 1,810 |
| Net charge-offs to loans | 0.0669% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 57.0750% | 729 |
| Efficiency ratio | 58.3530% | 5,681 |
| Assets per employee ($millions) | 2.5636% | 6,438 |
| Cash dividends to net income (ytd only)* | 49.4525% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,730 |
| Loan loss allowance to noncurrent loans | 625.2595% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,821 |
| Noncurrent loans to loans | 0.2348% | 5,719 |
| Net loans and leases to total assets | 53.7613% | 4,623 |
| Net loans and leases to deposits | 62.5740% | 4,674 |
| Net loans and leases to core deposits | 67.0344% | 4,590 |
| Total domestic deposits to total assets | 85.9163% | 3,415 |
| Equity capital to assets | 13.8404% | 1,011 |
| Core capital (leverage) ratio | 14.7491% | 658 |
| Tier 1 risk-based capital ratio | 21.9010% | 1,302 |
| Total risk-based capital ratio | 23.1516% | 1,277 |
| Memoranda: | ||
| Average total assets | $213,327,670 | 2,924 |
| Average earning assets | $194,317,670 | 2,937 |
| Average equity | $32,183,330 | 2,144 |
| Average total loans | $119,532,670 | 3,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 551 |
| Cost of funding earning assets | 0.1423% | 6,818 |
| Net interest margin | 5.1073% | 234 |
| Noninterest income to average assets | 0.6043% | 3,111 |
| Noninterest expense to average assets | 3.2781% | 2,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9673% | 362 |
| Return on assets (ROA) | 1.9673% | 391 |
| Pretax return on assets | 1.9673% | 629 |
| Return on Equity (ROE) | 12.4790% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.4790% | 633 |
| Net charge-offs to loans | -0.1461% | 6,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2378% | 5,274 |
| Assets per employee ($millions) | 2.3017% | 6,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 3,411 |
| Loan loss allowance to noncurrent loans | 279.5858% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 5,240 |
| Noncurrent loans to loans | 0.5714% | 5,012 |
| Net loans and leases to total assets | 59.5066% | 3,516 |
| Net loans and leases to deposits | 71.7415% | 3,216 |
| Net loans and leases to core deposits | 78.3493% | 3,011 |
| Total domestic deposits to total assets | 82.9459% | 4,871 |
| Equity capital to assets | 16.8323% | 444 |
| Core capital (leverage) ratio | 14.6674% | 639 |
| Tier 1 risk-based capital ratio | 22.8639% | 1,179 |
| Total risk-based capital ratio | 24.1165% | 1,158 |
| Memoranda: | ||
| Average total assets | $207,191,000 | 3,012 |
| Average earning assets | $188,278,000 | 3,038 |
| Average equity | $32,663,000 | 2,139 |
| Average total loans | $117,752,500 | 3,131 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3862% | 780 |
| Cost of funding earning assets | 0.1986% | 6,842 |
| Net interest margin | 5.1877% | 275 |
| Noninterest income to average assets | 0.6285% | 3,121 |
| Noninterest expense to average assets | 3.1033% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.2401% | 234 |
| Return on assets (ROA) | 2.2401% | 258 |
| Pretax return on assets | 2.2401% | 374 |
| Return on Equity (ROE) | 14.9458% | 817 |
| Retained earnings to average equity (ytd only) | 11.2322% | 413 |
| Net charge-offs to loans | -0.0891% | 6,806 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8398% | 5,854 |
| Assets per employee ($millions) | 2.6040% | 6,539 |
| Cash dividends to net income (ytd only)* | 24.8472% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 3,414 |
| Loan loss allowance to noncurrent loans | 392.9787% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 5,734 |
| Noncurrent loans to loans | 0.4010% | 5,489 |
| Net loans and leases to total assets | 52.7329% | 4,800 |
| Net loans and leases to deposits | 61.9571% | 4,790 |
| Net loans and leases to core deposits | 66.6994% | 4,671 |
| Total domestic deposits to total assets | 85.1120% | 3,811 |
| Equity capital to assets | 14.8098% | 788 |
| Core capital (leverage) ratio | 13.2326% | 1,038 |
| Tier 1 risk-based capital ratio | 18.6337% | 2,059 |
| Total risk-based capital ratio | 19.8325% | 2,042 |
| Memoranda: | ||
| Average total assets | $204,459,600 | 2,990 |
| Average earning assets | $185,825,600 | 3,015 |
| Average equity | $30,644,000 | 2,212 |
| Average total loans | $114,494,400 | 3,198 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4363% | 770 |
| Cost of funding earning assets | 0.2134% | 6,921 |
| Net interest margin | 5.2229% | 283 |
| Noninterest income to average assets | 0.6391% | 3,052 |
| Noninterest expense to average assets | 3.0424% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.3409% | 231 |
| Return on assets (ROA) | 2.3409% | 249 |
| Pretax return on assets | 2.3409% | 382 |
| Return on Equity (ROE) | 15.5681% | 808 |
| Retained earnings to average equity (ytd only) | 14.0232% | 301 |
| Net charge-offs to loans | -0.1007% | 6,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2816% | 6,024 |
| Assets per employee ($millions) | 2.4177% | 6,767 |
| Cash dividends to net income (ytd only)* | 9.9236% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 3,707 |
| Loan loss allowance to noncurrent loans | 953.6458% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 6,021 |
| Noncurrent loans to loans | 0.1631% | 6,205 |
| Net loans and leases to total assets | 56.3792% | 4,388 |
| Net loans and leases to deposits | 67.2781% | 4,292 |
| Net loans and leases to core deposits | 72.7208% | 4,165 |
| Total domestic deposits to total assets | 83.8002% | 4,319 |
| Equity capital to assets | 15.7998% | 645 |
| Core capital (leverage) ratio | 13.4855% | 1,018 |
| Tier 1 risk-based capital ratio | 22.2023% | 1,296 |
| Total risk-based capital ratio | 23.4546% | 1,277 |
| Memoranda: | ||
| Average total assets | $200,889,500 | 3,061 |
| Average earning assets | $182,473,000 | 3,084 |
| Average equity | $30,206,250 | 2,255 |
| Average total loans | $113,819,250 | 3,244 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4859% | 743 |
| Cost of funding earning assets | 0.2222% | 6,989 |
| Net interest margin | 5.2637% | 254 |
| Noninterest income to average assets | 0.6571% | 2,919 |
| Noninterest expense to average assets | 3.1211% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.3125% | 234 |
| Return on assets (ROA) | 2.3125% | 263 |
| Pretax return on assets | 2.3125% | 402 |
| Return on Equity (ROE) | 15.6526% | 828 |
| Retained earnings to average equity (ytd only) | 13.2758% | 408 |
| Net charge-offs to loans | -0.0782% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2009% | 5,970 |
| Assets per employee ($millions) | 2.5588% | 6,707 |
| Cash dividends to net income (ytd only)* | 15.1844% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,744 |
| Loan loss allowance to noncurrent loans | 553.8700% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 6,035 |
| Noncurrent loans to loans | 0.2816% | 6,009 |
| Net loans and leases to total assets | 51.9080% | 5,112 |
| Net loans and leases to deposits | 60.5874% | 5,187 |
| Net loans and leases to core deposits | 65.2354% | 5,086 |
| Total domestic deposits to total assets | 85.6746% | 3,522 |
| Equity capital to assets | 14.0615% | 1,075 |
| Core capital (leverage) ratio | 13.3701% | 1,028 |
| Tier 1 risk-based capital ratio | 21.6368% | 1,361 |
| Total risk-based capital ratio | 22.8790% | 1,336 |
| Memoranda: | ||
| Average total assets | $199,351,670 | 3,089 |
| Average earning assets | $180,898,670 | 3,113 |
| Average equity | $29,452,000 | 2,295 |
| Average total loans | $112,528,330 | 3,279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 398 |
| Cost of funding earning assets | 0.2445% | 7,016 |
| Net interest margin | 5.5991% | 161 |
| Noninterest income to average assets | 0.7316% | 2,490 |
| Noninterest expense to average assets | 3.5317% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2557% | 256 |
| Return on assets (ROA) | 2.2557% | 311 |
| Pretax return on assets | 2.2557% | 489 |
| Return on Equity (ROE) | 14.8584% | 1,000 |
| Retained earnings to average equity (ytd only) | 14.8584% | 462 |
| Net charge-offs to loans | 0.1041% | 3,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 793 |
| Efficiency ratio | 60.8064% | 5,488 |
| Assets per employee ($millions) | 2.3386% | 6,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 4,006 |
| Loan loss allowance to noncurrent loans | 1,059.2593% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 6,065 |
| Noncurrent loans to loans | 0.1450% | 6,398 |
| Net loans and leases to total assets | 56.6929% | 4,259 |
| Net loans and leases to deposits | 66.9571% | 4,240 |
| Net loans and leases to core deposits | 72.7873% | 4,047 |
| Total domestic deposits to total assets | 84.6704% | 4,174 |
| Equity capital to assets | 15.1477% | 723 |
| Core capital (leverage) ratio | 13.6160% | 903 |
| Tier 1 risk-based capital ratio | 21.0581% | 1,480 |
| Total risk-based capital ratio | 22.3094% | 1,451 |
| Memoranda: | ||
| Average total assets | $190,276,500 | 3,230 |
| Average earning assets | $171,812,000 | 3,256 |
| Average equity | $28,886,000 | 2,329 |
| Average total loans | $111,447,500 | 3,319 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4973% | 1,178 |
| Cost of funding earning assets | 0.3052% | 7,099 |
| Net interest margin | 5.1921% | 290 |
| Noninterest income to average assets | 0.6706% | 2,780 |
| Noninterest expense to average assets | 3.0207% | 3,516 |
| Loan and lease loss provision to assets | 0.0069% | 6,441 |
| Net operating income to assets | 2.3603% | 169 |
| Return on assets (ROA) | 2.3603% | 176 |
| Pretax return on assets | 2.3603% | 270 |
| Return on Equity (ROE) | 18.6451% | 340 |
| Retained earnings to average equity (ytd only) | 18.6451% | 66 |
| Net charge-offs to loans | -0.2122% | 7,213 |
| Credit loss provision to net charge-offs | -5.9361% | 6,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8771% | 6,325 |
| Assets per employee ($millions) | 2.2738% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 3,708 |
| Loan loss allowance to noncurrent loans | 217.0398% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 5,350 |
| Noncurrent loans to loans | 0.7234% | 5,251 |
| Net loans and leases to total assets | 58.6706% | 4,249 |
| Net loans and leases to deposits | 71.1557% | 3,927 |
| Net loans and leases to core deposits | 76.9570% | 3,833 |
| Total domestic deposits to total assets | 82.4538% | 4,982 |
| Equity capital to assets | 15.2158% | 735 |
| Core capital (leverage) ratio | 13.7565% | 880 |
| Tier 1 risk-based capital ratio | 21.5035% | 1,320 |
| Total risk-based capital ratio | 22.7566% | 1,288 |
| Memoranda: | ||
| Average total assets | $187,903,200 | 3,215 |
| Average earning assets | $170,719,400 | 3,237 |
| Average equity | $23,786,400 | 2,690 |
| Average total loans | $103,197,400 | 3,540 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3719% | 1,598 |
| Cost of funding earning assets | 0.3248% | 7,172 |
| Net interest margin | 5.0471% | 377 |
| Noninterest income to average assets | 0.6551% | 2,852 |
| Noninterest expense to average assets | 2.9773% | 3,645 |
| Loan and lease loss provision to assets | 0.0092% | 6,318 |
| Net operating income to assets | 2.2577% | 229 |
| Return on assets (ROA) | 2.2577% | 248 |
| Pretax return on assets | 2.2577% | 388 |
| Return on Equity (ROE) | 18.7741% | 399 |
| Retained earnings to average equity (ytd only) | 18.7741% | 99 |
| Net charge-offs to loans | -0.3873% | 7,328 |
| Credit loss provision to net charge-offs | -4.4218% | 6,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5699% | 6,198 |
| Assets per employee ($millions) | 2.3908% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 3,329 |
| Loan loss allowance to noncurrent loans | 231.8471% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 5,519 |
| Noncurrent loans to loans | 0.7256% | 5,424 |
| Net loans and leases to total assets | 58.5399% | 4,411 |
| Net loans and leases to deposits | 68.8197% | 4,471 |
| Net loans and leases to core deposits | 74.3898% | 4,393 |
| Total domestic deposits to total assets | 85.0627% | 3,742 |
| Equity capital to assets | 14.4970% | 993 |
| Core capital (leverage) ratio | 12.6052% | 1,386 |
| Tier 1 risk-based capital ratio | 20.5031% | 1,563 |
| Total risk-based capital ratio | 21.7616% | 1,534 |
| Memoranda: | ||
| Average total assets | $188,266,250 | 3,224 |
| Average earning assets | $171,182,750 | 3,232 |
| Average equity | $22,640,500 | 2,821 |
| Average total loans | $101,212,500 | 3,620 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1946% | 2,279 |
| Cost of funding earning assets | 0.3373% | 7,253 |
| Net interest margin | 4.8573% | 543 |
| Noninterest income to average assets | 0.6521% | 2,822 |
| Noninterest expense to average assets | 2.9792% | 3,719 |
| Loan and lease loss provision to assets | 0.3728% | 2,560 |
| Net operating income to assets | 1.7159% | 581 |
| Return on assets (ROA) | 1.7159% | 626 |
| Pretax return on assets | 1.7159% | 1,022 |
| Return on Equity (ROE) | 15.2660% | 750 |
| Retained earnings to average equity (ytd only) | 15.2660% | 231 |
| Net charge-offs to loans | 0.1436% | 4,334 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 28.0141% | 974 |
| Efficiency ratio | 58.5785% | 6,091 |
| Assets per employee ($millions) | 2.7766% | 6,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 3,290 |
| Loan loss allowance to noncurrent loans | 138.4438% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.8013% | 5,289 |
| Noncurrent loans to loans | 1.2357% | 4,595 |
| Net loans and leases to total assets | 48.9264% | 5,958 |
| Net loans and leases to deposits | 55.2587% | 6,203 |
| Net loans and leases to core deposits | 59.8804% | 6,095 |
| Total domestic deposits to total assets | 88.5407% | 1,825 |
| Equity capital to assets | 11.1693% | 2,794 |
| Core capital (leverage) ratio | 12.0399% | 1,576 |
| Tier 1 risk-based capital ratio | 20.1259% | 1,588 |
| Total risk-based capital ratio | 21.3807% | 1,564 |
| Memoranda: | ||
| Average total assets | $190,455,000 | 3,218 |
| Average earning assets | $173,141,670 | 3,220 |
| Average equity | $21,407,000 | 2,946 |
| Average total loans | $98,887,670 | 3,716 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3931% | 1,583 |
| Cost of funding earning assets | 0.3814% | 7,263 |
| Net interest margin | 5.0117% | 372 |
| Noninterest income to average assets | 0.6216% | 3,030 |
| Noninterest expense to average assets | 3.3857% | 2,319 |
| Loan and lease loss provision to assets | 0.4240% | 2,067 |
| Net operating income to assets | 1.3343% | 1,191 |
| Return on assets (ROA) | 1.3343% | 1,238 |
| Pretax return on assets | 1.3343% | 1,927 |
| Return on Equity (ROE) | 11.8275% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.8275% | 760 |
| Net charge-offs to loans | 0.4759% | 2,283 |
| Credit loss provision to net charge-offs | 167.5439% | 1,718 |
| Earnings coverage of net charge-offs (x) | 6.9474% | 2,025 |
| Efficiency ratio | 65.6021% | 5,104 |
| Assets per employee ($millions) | 2.5845% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 3,523 |
| Loan loss allowance to noncurrent loans | 100.1890% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 4,901 |
| Noncurrent loans to loans | 1.6476% | 4,010 |
| Net loans and leases to total assets | 48.8723% | 5,969 |
| Net loans and leases to deposits | 55.0885% | 6,206 |
| Net loans and leases to core deposits | 60.9086% | 6,024 |
| Total domestic deposits to total assets | 88.7158% | 1,950 |
| Equity capital to assets | 11.0422% | 2,643 |
| Core capital (leverage) ratio | 11.6312% | 1,783 |
| Tier 1 risk-based capital ratio | 20.8112% | 1,431 |
| Total risk-based capital ratio | 22.0649% | 1,406 |
| Memoranda: | ||
| Average total assets | $180,170,000 | 3,386 |
| Average earning assets | $162,579,500 | 3,412 |
| Average equity | $20,325,500 | 3,067 |
| Average total loans | $95,809,500 | 3,841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9137% | 1,014 |
| Cost of funding earning assets | 0.4818% | 7,323 |
| Net interest margin | 5.4319% | 192 |
| Noninterest income to average assets | 0.6781% | 2,974 |
| Noninterest expense to average assets | 4.5838% | 600 |
| Loan and lease loss provision to assets | 0.1522% | 5,678 |
| Net operating income to assets | 0.8043% | 2,784 |
| Return on assets (ROA) | 0.8049% | 2,912 |
| Pretax return on assets | 0.8049% | 3,612 |
| Return on Equity (ROE) | 6.6431% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.6431% | 1,485 |
| Net charge-offs to loans | 0.2840% | 4,601 |
| Credit loss provision to net charge-offs | 95.6522% | 4,861 |
| Earnings coverage of net charge-offs (x) | 6.0109% | 2,464 |
| Efficiency ratio | 62.0564% | 5,723 |
| Assets per employee ($millions) | 2.1346% | 7,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 3,629 |
| Loan loss allowance to noncurrent loans | 116.8340% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 5,125 |
| Noncurrent loans to loans | 1.3589% | 4,444 |
| Net loans and leases to total assets | 56.3254% | 5,288 |
| Net loans and leases to deposits | 65.8186% | 5,427 |
| Net loans and leases to core deposits | 72.7626% | 5,130 |
| Total domestic deposits to total assets | 85.5767% | 3,566 |
| Equity capital to assets | 11.5596% | 2,213 |
| Core capital (leverage) ratio | 9.9776% | 3,120 |
| Tier 1 risk-based capital ratio | 18.8950% | 1,746 |
| Total risk-based capital ratio | 20.1467% | 1,716 |
| Memoranda: | ||
| Average total assets | $173,438,000 | 3,474 |
| Average earning assets | $155,249,800 | 3,540 |
| Average equity | $21,014,400 | 3,004 |
| Average total loans | $97,189,200 | 3,871 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8907% | 1,155 |
| Cost of funding earning assets | 0.4841% | 7,463 |
| Net interest margin | 5.4065% | 204 |
| Noninterest income to average assets | 0.6188% | 3,325 |
| Noninterest expense to average assets | 3.2539% | 2,727 |
| Loan and lease loss provision to assets | 0.1880% | 5,164 |
| Net operating income to assets | 2.0048% | 335 |
| Return on assets (ROA) | 2.0056% | 365 |
| Pretax return on assets | 2.0056% | 613 |
| Return on Equity (ROE) | 16.3740% | 664 |
| Retained earnings to average equity (ytd only) | 16.3740% | 154 |
| Net charge-offs to loans | -0.0328% | 7,417 |
| Credit loss provision to net charge-offs | -1,029.1667% | 7,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5305% | 6,023 |
| Assets per employee ($millions) | 2.3686% | 7,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8602% | 2,595 |
| Loan loss allowance to noncurrent loans | 387.0690% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 6,369 |
| Noncurrent loans to loans | 0.4806% | 6,233 |
| Net loans and leases to total assets | 51.9550% | 6,109 |
| Net loans and leases to deposits | 69.2993% | 5,237 |
| Net loans and leases to core deposits | 76.7788% | 4,952 |
| Total domestic deposits to total assets | 74.9719% | 6,802 |
| Equity capital to assets | 12.9050% | 1,628 |
| Core capital (leverage) ratio | 10.9162% | 2,324 |
| Tier 1 risk-based capital ratio | 20.5308% | 1,441 |
| Total risk-based capital ratio | 21.7876% | 1,420 |
| Memoranda: | ||
| Average total assets | $175,172,000 | 3,495 |
| Average earning assets | $156,424,750 | 3,560 |
| Average equity | $21,456,250 | 2,987 |
| Average total loans | $97,662,500 | 3,926 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9861% | 977 |
| Cost of funding earning assets | 0.4915% | 7,554 |
| Net interest margin | 5.4946% | 171 |
| Noninterest income to average assets | 0.6645% | 2,932 |
| Noninterest expense to average assets | 3.2969% | 2,580 |
| Loan and lease loss provision to assets | 0.2859% | 4,107 |
| Net operating income to assets | 1.9610% | 352 |
| Return on assets (ROA) | 1.9621% | 387 |
| Pretax return on assets | 1.9621% | 652 |
| Return on Equity (ROE) | 16.3271% | 660 |
| Retained earnings to average equity (ytd only) | 16.3271% | 181 |
| Net charge-offs to loans | -0.0918% | 7,541 |
| Credit loss provision to net charge-offs | -548.8889% | 6,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2817% | 6,176 |
| Assets per employee ($millions) | 2.2466% | 7,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 2,555 |
| Loan loss allowance to noncurrent loans | 339.6262% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.5815% | 6,028 |
| Noncurrent loans to loans | 0.5457% | 6,161 |
| Net loans and leases to total assets | 54.9092% | 5,856 |
| Net loans and leases to deposits | 67.6498% | 5,596 |
| Net loans and leases to core deposits | 73.8227% | 5,466 |
| Total domestic deposits to total assets | 81.1668% | 5,343 |
| Equity capital to assets | 12.3019% | 1,927 |
| Core capital (leverage) ratio | 10.5437% | 2,592 |
| Tier 1 risk-based capital ratio | 18.8437% | 1,757 |
| Total risk-based capital ratio | 20.0481% | 1,736 |
| Memoranda: | ||
| Average total assets | $172,769,670 | 3,556 |
| Average earning assets | $153,422,000 | 3,649 |
| Average equity | $20,763,000 | 3,071 |
| Average total loans | $98,033,000 | 3,960 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1133% | 761 |
| Cost of funding earning assets | 0.4816% | 7,701 |
| Net interest margin | 5.6317% | 149 |
| Noninterest income to average assets | 0.7019% | 2,592 |
| Noninterest expense to average assets | 3.5048% | 1,972 |
| Loan and lease loss provision to assets | 0.5760% | 2,188 |
| Net operating income to assets | 1.6113% | 733 |
| Return on assets (ROA) | 1.6136% | 779 |
| Pretax return on assets | 1.6136% | 1,232 |
| Return on Equity (ROE) | 13.5913% | 1,124 |
| Retained earnings to average equity (ytd only) | 13.5913% | 548 |
| Net charge-offs to loans | -0.1224% | 7,557 |
| Credit loss provision to net charge-offs | -823.3333% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3683% | 5,934 |
| Assets per employee ($millions) | 2.3329% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 2,665 |
| Loan loss allowance to noncurrent loans | 245.1701% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 5,965 |
| Noncurrent loans to loans | 0.7432% | 5,833 |
| Net loans and leases to total assets | 54.0511% | 6,017 |
| Net loans and leases to deposits | 69.3140% | 5,431 |
| Net loans and leases to core deposits | 76.2375% | 5,227 |
| Total domestic deposits to total assets | 77.9800% | 6,320 |
| Equity capital to assets | 11.4941% | 2,367 |
| Core capital (leverage) ratio | 9.7047% | 3,517 |
| Tier 1 risk-based capital ratio | 16.6059% | 2,409 |
| Total risk-based capital ratio | 17.8611% | 2,361 |
| Memoranda: | ||
| Average total assets | $171,538,000 | 3,633 |
| Average earning assets | $151,996,500 | 3,723 |
| Average equity | $20,366,000 | 3,159 |
| Average total loans | $98,031,500 | 4,020 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 2,147 |
| Cost of funding earning assets | 0.5409% | 7,810 |
| Net interest margin | 5.3827% | 214 |
| Noninterest income to average assets | 0.7681% | 2,569 |
| Noninterest expense to average assets | 3.2793% | 3,082 |
| Loan and lease loss provision to assets | 0.2709% | 5,245 |
| Net operating income to assets | 1.8819% | 302 |
| Return on assets (ROA) | 1.9225% | 283 |
| Pretax return on assets | 1.9225% | 484 |
| Return on Equity (ROE) | 18.4230% | 336 |
| Retained earnings to average equity (ytd only) | 18.4230% | 51 |
| Net charge-offs to loans | 0.3702% | 4,363 |
| Credit loss provision to net charge-offs | 135.3623% | 3,661 |
| Earnings coverage of net charge-offs (x) | 10.7565% | 1,650 |
| Efficiency ratio | 60.1666% | 6,471 |
| Assets per employee ($millions) | 2.0954% | 7,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 3,400 |
| Loan loss allowance to noncurrent loans | 408.8472% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 6,306 |
| Noncurrent loans to loans | 0.3839% | 6,510 |
| Net loans and leases to total assets | 58.5173% | 5,573 |
| Net loans and leases to deposits | 74.7971% | 4,907 |
| Net loans and leases to core deposits | 86.2084% | 5,500 |
| Total domestic deposits to total assets | 78.2347% | 6,170 |
| Equity capital to assets | 12.2886% | 1,859 |
| Core capital (leverage) ratio | 9.0033% | 4,416 |
| Tier 1 risk-based capital ratio | 17.5758% | 2,006 |
| Total risk-based capital ratio | 18.8296% | 1,966 |
| Memoranda: | ||
| Average total assets | $172,381,800 | 3,569 |
| Average earning assets | $149,368,200 | 3,725 |
| Average equity | $17,988,400 | 3,503 |
| Average total loans | $93,183,000 | 4,125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 2,515 |
| Cost of funding earning assets | 0.5505% | 7,914 |
| Net interest margin | 5.3342% | 239 |
| Noninterest income to average assets | 0.7574% | 2,664 |
| Noninterest expense to average assets | 3.3314% | 2,800 |
| Loan and lease loss provision to assets | 0.2008% | 5,381 |
| Net operating income to assets | 1.8348% | 411 |
| Return on assets (ROA) | 1.8875% | 394 |
| Pretax return on assets | 1.8875% | 675 |
| Return on Equity (ROE) | 18.8724% | 368 |
| Retained earnings to average equity (ytd only) | 18.8724% | 81 |
| Net charge-offs to loans | 0.2531% | 4,467 |
| Credit loss provision to net charge-offs | 150.2857% | 3,191 |
| Earnings coverage of net charge-offs (x) | 15.2341% | 1,547 |
| Efficiency ratio | 61.8580% | 6,142 |
| Assets per employee ($millions) | 2.1476% | 7,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,048 |
| Loan loss allowance to noncurrent loans | 690.2778% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 6,606 |
| Noncurrent loans to loans | 0.2297% | 6,925 |
| Net loans and leases to total assets | 54.5412% | 6,320 |
| Net loans and leases to deposits | 62.0896% | 6,666 |
| Net loans and leases to core deposits | 69.5290% | 6,992 |
| Total domestic deposits to total assets | 87.8427% | 1,726 |
| Equity capital to assets | 11.7159% | 2,421 |
| Core capital (leverage) ratio | 9.5871% | 3,802 |
| Tier 1 risk-based capital ratio | 15.8497% | 2,684 |
| Total risk-based capital ratio | 17.1015% | 2,619 |
| Memoranda: | ||
| Average total assets | $174,616,250 | 3,539 |
| Average earning assets | $150,896,750 | 3,708 |
| Average equity | $17,464,250 | 3,622 |
| Average total loans | $92,186,750 | 4,193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8079% | 3,007 |
| Cost of funding earning assets | 0.5732% | 8,006 |
| Net interest margin | 5.2347% | 281 |
| Noninterest income to average assets | 0.6524% | 3,327 |
| Noninterest expense to average assets | 3.2927% | 2,985 |
| Loan and lease loss provision to assets | 0.2961% | 4,190 |
| Net operating income to assets | 1.6021% | 679 |
| Return on assets (ROA) | 1.6021% | 743 |
| Pretax return on assets | 1.6021% | 1,200 |
| Return on Equity (ROE) | 16.9508% | 584 |
| Retained earnings to average equity (ytd only) | 16.9508% | 132 |
| Net charge-offs to loans | 0.4608% | 2,983 |
| Credit loss provision to net charge-offs | 123.6967% | 3,761 |
| Earnings coverage of net charge-offs (x) | 7.9289% | 2,357 |
| Efficiency ratio | 63.2131% | 6,054 |
| Assets per employee ($millions) | 2.1391% | 7,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 2,726 |
| Loan loss allowance to noncurrent loans | 943.5065% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 6,714 |
| Noncurrent loans to loans | 0.1699% | 7,095 |
| Net loans and leases to total assets | 53.4417% | 6,520 |
| Net loans and leases to deposits | 60.5399% | 6,849 |
| Net loans and leases to core deposits | 68.0630% | 7,119 |
| Total domestic deposits to total assets | 88.2752% | 1,638 |
| Equity capital to assets | 10.4938% | 3,407 |
| Core capital (leverage) ratio | 8.6553% | 5,172 |
| Tier 1 risk-based capital ratio | 15.0181% | 3,013 |
| Total risk-based capital ratio | 16.2650% | 2,951 |
| Memoranda: | ||
| Average total assets | $176,268,670 | 3,535 |
| Average earning assets | $152,827,000 | 3,688 |
| Average equity | $16,660,000 | 3,783 |
| Average total loans | $91,574,000 | 4,243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6874% | 3,868 |
| Cost of funding earning assets | 0.6049% | 8,051 |
| Net interest margin | 5.0825% | 338 |
| Noninterest income to average assets | 0.6830% | 2,984 |
| Noninterest expense to average assets | 3.2159% | 2,917 |
| Loan and lease loss provision to assets | 0.0044% | 6,727 |
| Net operating income to assets | 1.9008% | 429 |
| Return on assets (ROA) | 1.9008% | 478 |
| Pretax return on assets | 1.9008% | 795 |
| Return on Equity (ROE) | 21.1881% | 350 |
| Retained earnings to average equity (ytd only) | 21.1881% | 139 |
| Net charge-offs to loans | 0.8039% | 1,609 |
| Credit loss provision to net charge-offs | 1.0811% | 5,244 |
| Earnings coverage of net charge-offs (x) | 4.6595% | 2,838 |
| Efficiency ratio | 62.5809% | 5,956 |
| Assets per employee ($millions) | 2.5464% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 3,802 |
| Loan loss allowance to noncurrent loans | 230.6238% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 6,192 |
| Noncurrent loans to loans | 0.5853% | 5,932 |
| Net loans and leases to total assets | 47.9670% | 7,026 |
| Net loans and leases to deposits | 52.8780% | 7,350 |
| Net loans and leases to core deposits | 59.0416% | 7,492 |
| Total domestic deposits to total assets | 90.7126% | 506 |
| Equity capital to assets | 9.0884% | 5,243 |
| Core capital (leverage) ratio | 8.3126% | 5,885 |
| Tier 1 risk-based capital ratio | 14.2244% | 3,461 |
| Total risk-based capital ratio | 15.3782% | 3,439 |
| Memoranda: | ||
| Average total assets | $180,977,500 | 3,492 |
| Average earning assets | $158,033,500 | 3,611 |
| Average equity | $16,235,500 | 3,898 |
| Average total loans | $92,050,500 | 4,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2792% | 4,073 |
| Cost of funding earning assets | 1.0176% | 8,047 |
| Net interest margin | 5.2616% | 298 |
| Noninterest income to average assets | 0.8569% | 2,183 |
| Noninterest expense to average assets | 3.0429% | 3,933 |
| Loan and lease loss provision to assets | 0.0921% | 6,217 |
| Net operating income to assets | 2.3666% | 170 |
| Return on assets (ROA) | 2.3684% | 165 |
| Pretax return on assets | 2.3684% | 262 |
| Return on Equity (ROE) | 23.1454% | 204 |
| Retained earnings to average equity (ytd only) | 0.0750% | 5,192 |
| Net charge-offs to loans | -0.0256% | 7,952 |
| Credit loss provision to net charge-offs | -709.0909% | 7,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1062% | 7,139 |
| Assets per employee ($millions) | 2.4454% | 7,306 |
| Cash dividends to net income (ytd only)* | 99.6761% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 2,711 |
| Loan loss allowance to noncurrent loans | 442.5868% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,245 |
| Noncurrent loans to loans | 0.3383% | 6,362 |
| Net loans and leases to total assets | 52.4306% | 6,807 |
| Net loans and leases to deposits | 57.6026% | 7,231 |
| Net loans and leases to core deposits | 64.6624% | 7,419 |
| Total domestic deposits to total assets | 91.0211% | 321 |
| Equity capital to assets | 8.8471% | 5,572 |
| Core capital (leverage) ratio | 7.5133% | 7,194 |
| Tier 1 risk-based capital ratio | 13.2830% | 3,944 |
| Total risk-based capital ratio | 14.4703% | 3,895 |
| Memoranda: | ||
| Average total assets | $169,442,000 | 3,562 |
| Average earning assets | $149,573,200 | 3,665 |
| Average equity | $17,338,200 | 3,678 |
| Average total loans | $85,904,000 | 4,332 |