Home > The Shelby State Bank > Performance and Condition Ratios
The Shelby State Bank, 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 | 3.8363% | 4,140 |
| Cost of funding earning assets | 0.7991% | 3,734 |
| Net interest margin | 3.0372% | 3,208 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.1804% | 848 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5852% | 3,475 |
| Return on assets (ROA) | 0.5726% | 3,497 |
| Pretax return on assets | 0.6445% | 3,548 |
| Return on Equity (ROE) | 10.7800% | 2,285 |
| Retained earnings to average equity (ytd only) | 6.1269% | 2,196 |
| Net charge-offs to loans | 0.0071% | 2,414 |
| Credit loss provision to net charge-offs | -150.0000% | 4,492 |
| Earnings coverage of net charge-offs (x) | 172.5714% | 647 |
| Efficiency ratio | 82.8421% | 734 |
| Assets per employee ($millions) | 4.4460% | 3,977 |
| Cash dividends to net income (ytd only)* | 43.1905% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,076 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,042 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 52.5200% | 3,453 |
| Net loans and leases to deposits | 60.0692% | 3,517 |
| Net loans and leases to core deposits | 61.1307% | 3,722 |
| Total domestic deposits to total assets | 87.4400% | 1,541 |
| Equity capital to assets | 6.1925% | 4,199 |
| Core capital (leverage) ratio | 8.6156% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6403% | 1,644 |
| Memoranda: | ||
| Average total assets | $366,776,400 | 2,126 |
| Average earning assets | $341,634,200 | 2,122 |
| Average equity | $19,471,600 | 2,907 |
| Average total loans | $197,736,000 | 2,298 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 4,109 |
| Cost of funding earning assets | 0.7684% | 3,609 |
| Net interest margin | 3.0365% | 3,264 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.1698% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4894% | 3,788 |
| Return on assets (ROA) | 0.4730% | 3,821 |
| Pretax return on assets | 0.5437% | 3,836 |
| Return on Equity (ROE) | 9.2900% | 2,854 |
| Retained earnings to average equity (ytd only) | 4.3931% | 3,147 |
| Net charge-offs to loans | 0.0074% | 2,154 |
| Credit loss provision to net charge-offs | -190.9091% | 4,546 |
| Earnings coverage of net charge-offs (x) | 140.9091% | 765 |
| Efficiency ratio | 84.9266% | 564 |
| Assets per employee ($millions) | 4.1100% | 4,116 |
| Cash dividends to net income (ytd only)* | 52.7245% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,290 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,077 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.0700% | 3,355 |
| Net loans and leases to deposits | 59.4055% | 3,539 |
| Net loans and leases to core deposits | 60.7321% | 3,670 |
| Total domestic deposits to total assets | 91.0200% | 665 |
| Equity capital to assets | 4.9665% | 4,256 |
| Core capital (leverage) ratio | 8.1433% | 4,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2003% | 1,817 |
| Memoranda: | ||
| Average total assets | $367,327,500 | 2,130 |
| Average earning assets | $342,354,750 | 2,124 |
| Average equity | $18,695,500 | 2,954 |
| Average total loans | $198,700,250 | 2,297 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,132 |
| Cost of funding earning assets | 0.7287% | 3,410 |
| Net interest margin | 2.9811% | 3,480 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 3.1581% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4904% | 3,826 |
| Return on assets (ROA) | 0.4653% | 3,883 |
| Pretax return on assets | 0.5238% | 3,924 |
| Return on Equity (ROE) | 9.0700% | 2,972 |
| Retained earnings to average equity (ytd only) | 4.1395% | 3,180 |
| Net charge-offs to loans | 0.0060% | 2,025 |
| Credit loss provision to net charge-offs | -350.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | 169.8333% | 690 |
| Efficiency ratio | 85.1219% | 538 |
| Assets per employee ($millions) | 4.1024% | 4,143 |
| Cash dividends to net income (ytd only)* | 54.3655% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,479 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,005 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.0500% | 3,271 |
| Net loans and leases to deposits | 60.7308% | 3,376 |
| Net loans and leases to core deposits | 61.8191% | 3,543 |
| Total domestic deposits to total assets | 89.0000% | 1,261 |
| Equity capital to assets | 5.0824% | 4,369 |
| Core capital (leverage) ratio | 8.3759% | 4,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9241% | 1,931 |
| Memoranda: | ||
| Average total assets | $369,209,333 | 2,126 |
| Average earning assets | $344,163,333 | 2,122 |
| Average equity | $18,939,667 | 2,957 |
| Average total loans | $198,946,333 | 2,297 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 4,130 |
| Cost of funding earning assets | 0.5919% | 3,403 |
| Net interest margin | 3.0315% | 3,522 |
| Noninterest income to average assets | 1.0000% | 575 |
| Noninterest expense to average assets | 3.2145% | 782 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5686% | 3,751 |
| Return on assets (ROA) | 0.5168% | 3,818 |
| Pretax return on assets | 0.5623% | 3,907 |
| Return on Equity (ROE) | 10.0300% | 2,774 |
| Retained earnings to average equity (ytd only) | 5.4028% | 2,920 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8609% | 596 |
| Assets per employee ($millions) | 4.5838% | 3,972 |
| Cash dividends to net income (ytd only)* | 46.1216% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,350 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 2,998 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 53.0300% | 3,275 |
| Net loans and leases to deposits | 59.3217% | 3,380 |
| Net loans and leases to core deposits | 59.9420% | 3,542 |
| Total domestic deposits to total assets | 89.3900% | 1,384 |
| Equity capital to assets | 5.5077% | 4,336 |
| Core capital (leverage) ratio | 8.0689% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0354% | 1,963 |
| Memoranda: | ||
| Average total assets | $369,207,000 | 2,160 |
| Average earning assets | $344,648,000 | 2,150 |
| Average equity | $19,027,000 | 2,974 |
| Average total loans | $197,435,500 | 2,324 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2037% | 3,813 |
| Cost of funding earning assets | 0.1137% | 4,319 |
| Net interest margin | 3.0899% | 3,202 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9862% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6059% | 3,867 |
| Return on assets (ROA) | 0.5836% | 3,882 |
| Pretax return on assets | 0.6944% | 3,855 |
| Return on Equity (ROE) | 10.3900% | 2,680 |
| Retained earnings to average equity (ytd only) | 6.4239% | 2,483 |
| Net charge-offs to loans | 0.0651% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 22.0488% | 1,848 |
| Efficiency ratio | 80.5508% | 675 |
| Assets per employee ($millions) | 4.2239% | 4,186 |
| Cash dividends to net income (ytd only)* | 38.1777% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,250 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 2,992 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.6100% | 3,315 |
| Net loans and leases to deposits | 58.2166% | 3,444 |
| Net loans and leases to core deposits | 58.5299% | 3,585 |
| Total domestic deposits to total assets | 90.3700% | 1,214 |
| Equity capital to assets | 4.8041% | 4,411 |
| Core capital (leverage) ratio | 7.8968% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7676% | 2,066 |
| Memoranda: | ||
| Average total assets | $376,127,400 | 2,117 |
| Average earning assets | $351,660,400 | 2,104 |
| Average equity | $21,124,200 | 2,849 |
| Average total loans | $188,824,800 | 2,315 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0856% | 3,706 |
| Cost of funding earning assets | 0.0616% | 4,521 |
| Net interest margin | 3.0241% | 3,155 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.9484% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5538% | 3,958 |
| Return on assets (ROA) | 0.5538% | 3,900 |
| Pretax return on assets | 0.6779% | 3,835 |
| Return on Equity (ROE) | 9.5200% | 2,868 |
| Retained earnings to average equity (ytd only) | 5.7668% | 2,831 |
| Net charge-offs to loans | 0.0851% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 16.1176% | 1,822 |
| Efficiency ratio | 81.3060% | 694 |
| Assets per employee ($millions) | 4.0944% | 4,275 |
| Cash dividends to net income (ytd only)* | 39.4384% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,414 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,001 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.7900% | 3,296 |
| Net loans and leases to deposits | 55.7921% | 3,500 |
| Net loans and leases to core deposits | 56.2780% | 3,614 |
| Total domestic deposits to total assets | 92.8300% | 624 |
| Equity capital to assets | 4.4990% | 4,398 |
| Core capital (leverage) ratio | 7.6665% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4293% | 2,300 |
| Memoranda: | ||
| Average total assets | $377,232,500 | 2,125 |
| Average earning assets | $352,895,250 | 2,111 |
| Average equity | $21,941,000 | 2,827 |
| Average total loans | $186,534,750 | 2,335 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9846% | 3,594 |
| Cost of funding earning assets | 0.0574% | 4,547 |
| Net interest margin | 2.9273% | 3,097 |
| Noninterest income to average assets | 0.8100% | 1,017 |
| Noninterest expense to average assets | 2.9549% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4877% | 3,928 |
| Return on assets (ROA) | 0.4877% | 3,874 |
| Pretax return on assets | 0.5962% | 3,826 |
| Return on Equity (ROE) | 7.7896% | 3,076 |
| Retained earnings to average equity (ytd only) | 3.8735% | 3,129 |
| Net charge-offs to loans | 0.0033% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 373.6667% | 337 |
| Efficiency ratio | 83.2110% | 725 |
| Assets per employee ($millions) | 3.9908% | 4,376 |
| Cash dividends to net income (ytd only)* | 50.2726% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,016 |
| Loan loss allowance to noncurrent loans | 408.8000% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,289 |
| Noncurrent loans to loans | 0.3271% | 2,169 |
| Net loans and leases to total assets | 50.2580% | 3,345 |
| Net loans and leases to deposits | 55.1139% | 3,456 |
| Net loans and leases to core deposits | 55.6150% | 3,598 |
| Total domestic deposits to total assets | 91.1894% | 1,151 |
| Equity capital to assets | 5.0341% | 4,469 |
| Core capital (leverage) ratio | 7.8095% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6954% | 2,211 |
| Memoranda: | ||
| Average total assets | $376,051,000 | 2,136 |
| Average earning assets | $352,136,000 | 2,132 |
| Average equity | $23,544,333 | 2,776 |
| Average total loans | $182,161,333 | 2,371 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9256% | 3,468 |
| Cost of funding earning assets | 0.0567% | 4,554 |
| Net interest margin | 2.8689% | 2,927 |
| Noninterest income to average assets | 0.8510% | 927 |
| Noninterest expense to average assets | 2.9269% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4993% | 3,718 |
| Return on assets (ROA) | 0.4993% | 3,684 |
| Pretax return on assets | 0.6119% | 3,602 |
| Return on Equity (ROE) | 7.2660% | 2,951 |
| Retained earnings to average equity (ytd only) | 3.8649% | 2,985 |
| Net charge-offs to loans | 0.0023% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 576.0000% | 172 |
| Efficiency ratio | 82.7079% | 936 |
| Assets per employee ($millions) | 4.2075% | 4,303 |
| Cash dividends to net income (ytd only)* | 46.8085% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,872 |
| Loan loss allowance to noncurrent loans | 5,327.0833% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,528 |
| Noncurrent loans to loans | 0.0265% | 3,806 |
| Net loans and leases to total assets | 47.7670% | 3,408 |
| Net loans and leases to deposits | 52.4298% | 3,537 |
| Net loans and leases to core deposits | 52.9071% | 3,671 |
| Total domestic deposits to total assets | 91.1065% | 977 |
| Equity capital to assets | 6.0761% | 4,567 |
| Core capital (leverage) ratio | 7.6552% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1796% | 2,125 |
| Memoranda: | ||
| Average total assets | $376,507,500 | 2,147 |
| Average earning assets | $352,748,500 | 2,138 |
| Average equity | $25,874,000 | 2,720 |
| Average total loans | $177,696,000 | 2,398 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 2,962 |
| Cost of funding earning assets | 0.0918% | 4,445 |
| Net interest margin | 3.2960% | 2,324 |
| Noninterest income to average assets | 1.3971% | 564 |
| Noninterest expense to average assets | 3.4721% | 498 |
| Loan and lease loss provision to assets | 0.1541% | 774 |
| Net operating income to assets | 0.6426% | 3,766 |
| Return on assets (ROA) | 1.6275% | 784 |
| Pretax return on assets | 1.8121% | 892 |
| Return on Equity (ROE) | 21.5888% | 234 |
| Retained earnings to average equity (ytd only) | 17.9169% | 93 |
| Net charge-offs to loans | 0.0044% | 2,439 |
| Credit loss provision to net charge-offs | 6,812.5000% | 105 |
| Earnings coverage of net charge-offs (x) | 433.7500% | 310 |
| Efficiency ratio | 77.9683% | 950 |
| Assets per employee ($millions) | 3.7113% | 4,527 |
| Cash dividends to net income (ytd only)* | 17.0083% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,659 |
| Loan loss allowance to noncurrent loans | 4,737.0370% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,619 |
| Noncurrent loans to loans | 0.0310% | 3,850 |
| Net loans and leases to total assets | 45.2797% | 3,744 |
| Net loans and leases to deposits | 50.9817% | 3,803 |
| Net loans and leases to core deposits | 51.4523% | 3,934 |
| Total domestic deposits to total assets | 88.8157% | 1,611 |
| Equity capital to assets | 7.6595% | 4,527 |
| Core capital (leverage) ratio | 7.8783% | 4,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7317% | 1,958 |
| Memoranda: | ||
| Average total assets | $353,671,600 | 2,178 |
| Average earning assets | $327,944,200 | 2,197 |
| Average equity | $26,662,000 | 2,746 |
| Average total loans | $179,791,200 | 2,385 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 2,897 |
| Cost of funding earning assets | 0.1030% | 4,472 |
| Net interest margin | 3.3773% | 2,216 |
| Noninterest income to average assets | 1.4954% | 553 |
| Noninterest expense to average assets | 3.5254% | 446 |
| Loan and lease loss provision to assets | 0.0941% | 1,266 |
| Net operating income to assets | 0.7859% | 3,562 |
| Return on assets (ROA) | 0.7874% | 3,622 |
| Pretax return on assets | 0.9992% | 3,455 |
| Return on Equity (ROE) | 10.4910% | 2,559 |
| Retained earnings to average equity (ytd only) | 6.8764% | 2,464 |
| Net charge-offs to loans | 0.0022% | 2,299 |
| Credit loss provision to net charge-offs | 8,166.6667% | 95 |
| Earnings coverage of net charge-offs (x) | 948.0000% | 174 |
| Efficiency ratio | 76.3611% | 1,016 |
| Assets per employee ($millions) | 3.5941% | 4,610 |
| Cash dividends to net income (ytd only)* | 34.4542% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,583 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,756 |
| Noncurrent loans to loans | 0.0351% | 3,956 |
| Net loans and leases to total assets | 47.1146% | 3,703 |
| Net loans and leases to deposits | 52.8425% | 3,824 |
| Net loans and leases to core deposits | 53.4041% | 3,956 |
| Total domestic deposits to total assets | 89.1604% | 1,189 |
| Equity capital to assets | 7.1285% | 4,783 |
| Core capital (leverage) ratio | 6.9049% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1147% | 2,671 |
| Memoranda: | ||
| Average total assets | $347,452,250 | 2,232 |
| Average earning assets | $321,115,250 | 2,249 |
| Average equity | $26,078,750 | 2,813 |
| Average total loans | $181,248,000 | 2,416 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 2,989 |
| Cost of funding earning assets | 0.1241% | 4,403 |
| Net interest margin | 3.3423% | 2,321 |
| Noninterest income to average assets | 1.6218% | 468 |
| Noninterest expense to average assets | 3.5125% | 462 |
| Loan and lease loss provision to assets | 0.1324% | 935 |
| Net operating income to assets | 0.8408% | 3,394 |
| Return on assets (ROA) | 0.8427% | 3,460 |
| Pretax return on assets | 1.0692% | 3,300 |
| Return on Equity (ROE) | 11.0258% | 2,413 |
| Retained earnings to average equity (ytd only) | 7.4763% | 2,263 |
| Net charge-offs to loans | 0.0022% | 2,126 |
| Credit loss provision to net charge-offs | 11,250.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,019.0000% | 123 |
| Efficiency ratio | 74.5473% | 1,201 |
| Assets per employee ($millions) | 3.4546% | 4,679 |
| Cash dividends to net income (ytd only)* | 32.1927% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 2,754 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,677 |
| Noncurrent loans to loans | 0.0363% | 4,015 |
| Net loans and leases to total assets | 51.9862% | 3,341 |
| Net loans and leases to deposits | 58.2579% | 3,524 |
| Net loans and leases to core deposits | 58.8823% | 3,694 |
| Total domestic deposits to total assets | 89.2346% | 1,171 |
| Equity capital to assets | 7.5340% | 4,727 |
| Core capital (leverage) ratio | 7.3075% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1906% | 2,649 |
| Memoranda: | ||
| Average total assets | $339,873,333 | 2,257 |
| Average earning assets | $314,213,333 | 2,267 |
| Average equity | $25,975,333 | 2,811 |
| Average total loans | $182,772,000 | 2,419 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 2,988 |
| Cost of funding earning assets | 0.1558% | 4,267 |
| Net interest margin | 3.3227% | 2,322 |
| Noninterest income to average assets | 1.7669% | 459 |
| Noninterest expense to average assets | 3.5315% | 447 |
| Loan and lease loss provision to assets | 0.2373% | 460 |
| Net operating income to assets | 0.8561% | 3,251 |
| Return on assets (ROA) | 0.8580% | 3,325 |
| Pretax return on assets | 1.0882% | 3,138 |
| Return on Equity (ROE) | 11.1447% | 2,316 |
| Retained earnings to average equity (ytd only) | 7.7535% | 2,332 |
| Net charge-offs to loans | 0.0087% | 1,597 |
| Credit loss provision to net charge-offs | 5,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 278.7500% | 315 |
| Efficiency ratio | 72.7451% | 1,425 |
| Assets per employee ($millions) | 3.3147% | 4,755 |
| Cash dividends to net income (ytd only)* | 30.4288% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,929 |
| Loan loss allowance to noncurrent loans | 430.4854% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 2,905 |
| Noncurrent loans to loans | 0.2788% | 3,100 |
| Net loans and leases to total assets | 53.4551% | 3,292 |
| Net loans and leases to deposits | 60.1908% | 3,465 |
| Net loans and leases to core deposits | 61.1790% | 3,630 |
| Total domestic deposits to total assets | 88.8094% | 1,435 |
| Equity capital to assets | 7.4227% | 4,736 |
| Core capital (leverage) ratio | 7.3936% | 4,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0151% | 2,657 |
| Memoranda: | ||
| Average total assets | $337,080,500 | 2,251 |
| Average earning assets | $313,237,000 | 2,253 |
| Average equity | $25,949,500 | 2,799 |
| Average total loans | $183,240,500 | 2,420 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 3,260 |
| Cost of funding earning assets | 0.3191% | 4,034 |
| Net interest margin | 3.4943% | 2,495 |
| Noninterest income to average assets | 1.4775% | 558 |
| Noninterest expense to average assets | 3.6977% | 525 |
| Loan and lease loss provision to assets | 0.1544% | 2,439 |
| Net operating income to assets | 0.6921% | 3,459 |
| Return on assets (ROA) | 0.6861% | 3,607 |
| Pretax return on assets | 0.8122% | 3,605 |
| Return on Equity (ROE) | 8.2388% | 2,717 |
| Retained earnings to average equity (ytd only) | 5.6618% | 1,964 |
| Net charge-offs to loans | 0.1148% | 1,331 |
| Credit loss provision to net charge-offs | 226.1905% | 2,040 |
| Earnings coverage of net charge-offs (x) | 14.2619% | 2,222 |
| Efficiency ratio | 79.1536% | 944 |
| Assets per employee ($millions) | 3.2306% | 4,746 |
| Cash dividends to net income (ytd only)* | 31.2796% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,407 |
| Loan loss allowance to noncurrent loans | 384.9524% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 2,981 |
| Noncurrent loans to loans | 0.2888% | 3,166 |
| Net loans and leases to total assets | 54.0170% | 3,487 |
| Net loans and leases to deposits | 61.6734% | 3,628 |
| Net loans and leases to core deposits | 62.7756% | 3,785 |
| Total domestic deposits to total assets | 87.5855% | 1,667 |
| Equity capital to assets | 7.9811% | 4,714 |
| Core capital (leverage) ratio | 7.2573% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8397% | 2,689 |
| Memoranda: | ||
| Average total assets | $307,544,400 | 2,263 |
| Average earning assets | $281,118,600 | 2,281 |
| Average equity | $25,610,400 | 2,761 |
| Average total loans | $182,932,400 | 2,388 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,270 |
| Cost of funding earning assets | 0.3531% | 4,042 |
| Net interest margin | 3.5407% | 2,453 |
| Noninterest income to average assets | 1.4230% | 563 |
| Noninterest expense to average assets | 3.7293% | 502 |
| Loan and lease loss provision to assets | 0.1437% | 2,582 |
| Net operating income to assets | 0.6513% | 3,627 |
| Return on assets (ROA) | 0.6409% | 3,753 |
| Pretax return on assets | 0.7591% | 3,754 |
| Return on Equity (ROE) | 7.6087% | 2,953 |
| Retained earnings to average equity (ytd only) | 5.2967% | 2,431 |
| Net charge-offs to loans | 0.1484% | 989 |
| Credit loss provision to net charge-offs | 159.3137% | 2,274 |
| Earnings coverage of net charge-offs (x) | 10.1373% | 2,379 |
| Efficiency ratio | 80.2935% | 850 |
| Assets per employee ($millions) | 3.2816% | 4,747 |
| Cash dividends to net income (ytd only)* | 30.3867% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 3,823 |
| Loan loss allowance to noncurrent loans | 124.0582% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 2,050 |
| Noncurrent loans to loans | 0.7790% | 1,870 |
| Net loans and leases to total assets | 58.0320% | 3,412 |
| Net loans and leases to deposits | 65.5577% | 3,656 |
| Net loans and leases to core deposits | 66.8398% | 3,836 |
| Total domestic deposits to total assets | 88.5205% | 967 |
| Equity capital to assets | 8.0077% | 4,710 |
| Core capital (leverage) ratio | 6.9928% | 4,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3948% | 2,820 |
| Memoranda: | ||
| Average total assets | $301,243,250 | 2,273 |
| Average earning assets | $274,101,000 | 2,307 |
| Average equity | $25,373,750 | 2,767 |
| Average total loans | $183,225,000 | 2,389 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,362 |
| Cost of funding earning assets | 0.3882% | 4,089 |
| Net interest margin | 3.5991% | 2,486 |
| Noninterest income to average assets | 1.4081% | 534 |
| Noninterest expense to average assets | 3.7654% | 527 |
| Loan and lease loss provision to assets | 0.1374% | 2,647 |
| Net operating income to assets | 0.6697% | 3,502 |
| Return on assets (ROA) | 0.6505% | 3,670 |
| Pretax return on assets | 0.7686% | 3,676 |
| Return on Equity (ROE) | 7.5806% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.2352% | 2,370 |
| Net charge-offs to loans | 0.0390% | 1,963 |
| Credit loss provision to net charge-offs | 571.4286% | 1,140 |
| Earnings coverage of net charge-offs (x) | 38.6286% | 1,272 |
| Efficiency ratio | 80.2166% | 877 |
| Assets per employee ($millions) | 3.1709% | 4,802 |
| Cash dividends to net income (ytd only)* | 30.9398% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,587 |
| Loan loss allowance to noncurrent loans | 155.0444% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,320 |
| Noncurrent loans to loans | 0.6438% | 2,255 |
| Net loans and leases to total assets | 59.4912% | 3,374 |
| Net loans and leases to deposits | 66.6085% | 3,670 |
| Net loans and leases to core deposits | 68.1598% | 3,853 |
| Total domestic deposits to total assets | 89.3148% | 638 |
| Equity capital to assets | 8.0712% | 4,682 |
| Core capital (leverage) ratio | 7.8626% | 4,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5360% | 2,802 |
| Memoranda: | ||
| Average total assets | $291,176,667 | 2,306 |
| Average earning assets | $265,846,333 | 2,334 |
| Average equity | $24,984,667 | 2,780 |
| Average total loans | $179,560,000 | 2,403 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 3,091 |
| Cost of funding earning assets | 0.4293% | 4,239 |
| Net interest margin | 3.8117% | 1,928 |
| Noninterest income to average assets | 1.4864% | 401 |
| Noninterest expense to average assets | 4.0270% | 494 |
| Loan and lease loss provision to assets | 0.0723% | 2,831 |
| Net operating income to assets | 0.7446% | 3,114 |
| Return on assets (ROA) | 0.6868% | 3,386 |
| Pretax return on assets | 0.8112% | 3,382 |
| Return on Equity (ROE) | 7.7385% | 2,625 |
| Retained earnings to average equity (ytd only) | 4.1544% | 2,624 |
| Net charge-offs to loans | 0.0162% | 2,048 |
| Credit loss provision to net charge-offs | 714.2857% | 712 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 601 |
| Efficiency ratio | 80.8888% | 1,052 |
| Assets per employee ($millions) | 2.8140% | 4,863 |
| Cash dividends to net income (ytd only)* | 46.3158% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,491 |
| Loan loss allowance to noncurrent loans | 136.5983% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 2,125 |
| Noncurrent loans to loans | 0.7615% | 2,095 |
| Net loans and leases to total assets | 62.0588% | 3,293 |
| Net loans and leases to deposits | 69.9095% | 3,599 |
| Net loans and leases to core deposits | 72.1491% | 3,756 |
| Total domestic deposits to total assets | 88.7702% | 769 |
| Equity capital to assets | 9.1535% | 4,502 |
| Core capital (leverage) ratio | 8.2714% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4830% | 2,938 |
| Memoranda: | ||
| Average total assets | $276,633,000 | 2,347 |
| Average earning assets | $253,427,500 | 2,352 |
| Average equity | $24,552,500 | 2,805 |
| Average total loans | $173,115,000 | 2,432 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 3,251 |
| Cost of funding earning assets | 0.4193% | 4,378 |
| Net interest margin | 3.9803% | 1,909 |
| Noninterest income to average assets | 1.4672% | 429 |
| Noninterest expense to average assets | 4.2403% | 404 |
| Loan and lease loss provision to assets | 0.0270% | 3,470 |
| Net operating income to assets | 0.7218% | 3,794 |
| Return on assets (ROA) | 0.7178% | 3,875 |
| Pretax return on assets | 0.8293% | 3,918 |
| Return on Equity (ROE) | 8.1007% | 3,125 |
| Retained earnings to average equity (ytd only) | 3.8544% | 3,043 |
| Net charge-offs to loans | 0.0220% | 2,975 |
| Credit loss provision to net charge-offs | 189.1892% | 1,395 |
| Earnings coverage of net charge-offs (x) | 60.2973% | 976 |
| Efficiency ratio | 83.1228% | 721 |
| Assets per employee ($millions) | 2.8029% | 4,902 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 3,421 |
| Loan loss allowance to noncurrent loans | 183.6820% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5388% | 2,279 |
| Noncurrent loans to loans | 0.5517% | 2,523 |
| Net loans and leases to total assets | 61.8155% | 3,418 |
| Net loans and leases to deposits | 69.1986% | 3,728 |
| Net loans and leases to core deposits | 71.3048% | 3,893 |
| Total domestic deposits to total assets | 89.3305% | 547 |
| Equity capital to assets | 8.5992% | 4,870 |
| Core capital (leverage) ratio | 8.5100% | 4,839 |
| Tier 1 risk-based capital ratio | 11.4046% | 4,677 |
| Total risk-based capital ratio | 12.2891% | 4,745 |
| Memoranda: | ||
| Average total assets | $259,131,200 | 2,402 |
| Average earning assets | $236,592,000 | 2,430 |
| Average equity | $22,961,000 | 2,869 |
| Average total loans | $168,529,200 | 2,423 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 3,184 |
| Cost of funding earning assets | 0.4073% | 4,477 |
| Net interest margin | 4.0508% | 1,760 |
| Noninterest income to average assets | 1.5023% | 403 |
| Noninterest expense to average assets | 4.3010% | 361 |
| Loan and lease loss provision to assets | 0.0367% | 3,163 |
| Net operating income to assets | 0.7301% | 3,912 |
| Return on assets (ROA) | 0.7297% | 3,981 |
| Pretax return on assets | 0.8575% | 3,983 |
| Return on Equity (ROE) | 8.1690% | 3,233 |
| Retained earnings to average equity (ytd only) | 4.1754% | 3,319 |
| Net charge-offs to loans | -0.0032% | 4,115 |
| Credit loss provision to net charge-offs | -1,750.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7805% | 700 |
| Assets per employee ($millions) | 2.6436% | 5,032 |
| Cash dividends to net income (ytd only)* | 48.8874% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,206 |
| Loan loss allowance to noncurrent loans | 153.4586% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 2,166 |
| Noncurrent loans to loans | 0.6938% | 2,223 |
| Net loans and leases to total assets | 61.9267% | 3,502 |
| Net loans and leases to deposits | 69.8791% | 3,776 |
| Net loans and leases to core deposits | 72.2664% | 3,931 |
| Total domestic deposits to total assets | 88.6199% | 773 |
| Equity capital to assets | 8.7633% | 4,890 |
| Core capital (leverage) ratio | 8.5201% | 4,942 |
| Tier 1 risk-based capital ratio | 11.6506% | 4,591 |
| Total risk-based capital ratio | 12.5828% | 4,648 |
| Memoranda: | ||
| Average total assets | $254,541,000 | 2,449 |
| Average earning assets | $232,079,500 | 2,479 |
| Average equity | $22,735,750 | 2,912 |
| Average total loans | $167,339,250 | 2,461 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 3,091 |
| Cost of funding earning assets | 0.3899% | 4,547 |
| Net interest margin | 4.0844% | 1,654 |
| Noninterest income to average assets | 1.5110% | 398 |
| Noninterest expense to average assets | 4.3318% | 362 |
| Loan and lease loss provision to assets | 0.0561% | 2,703 |
| Net operating income to assets | 0.7226% | 3,926 |
| Return on assets (ROA) | 0.7198% | 3,994 |
| Pretax return on assets | 0.8401% | 3,997 |
| Return on Equity (ROE) | 8.0044% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.8863% | 3,302 |
| Net charge-offs to loans | -0.0168% | 4,491 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8072% | 745 |
| Assets per employee ($millions) | 2.5571% | 5,100 |
| Cash dividends to net income (ytd only)* | 51.4477% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,244 |
| Loan loss allowance to noncurrent loans | 30,133.3333% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 3,758 |
| Noncurrent loans to loans | 0.0035% | 4,720 |
| Net loans and leases to total assets | 66.1038% | 3,090 |
| Net loans and leases to deposits | 74.4470% | 3,483 |
| Net loans and leases to core deposits | 76.8466% | 3,658 |
| Total domestic deposits to total assets | 88.7930% | 748 |
| Equity capital to assets | 9.1699% | 4,684 |
| Core capital (leverage) ratio | 8.9230% | 4,695 |
| Tier 1 risk-based capital ratio | 11.5031% | 4,683 |
| Total risk-based capital ratio | 12.4403% | 4,728 |
| Memoranda: | ||
| Average total assets | $249,506,000 | 2,494 |
| Average earning assets | $227,253,330 | 2,526 |
| Average equity | $22,437,670 | 2,931 |
| Average total loans | $166,859,000 | 2,475 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 3,237 |
| Cost of funding earning assets | 0.3626% | 4,633 |
| Net interest margin | 4.0347% | 1,736 |
| Noninterest income to average assets | 1.5213% | 373 |
| Noninterest expense to average assets | 4.2910% | 367 |
| Loan and lease loss provision to assets | 0.0646% | 2,374 |
| Net operating income to assets | 0.7316% | 3,836 |
| Return on assets (ROA) | 0.7316% | 3,884 |
| Pretax return on assets | 0.8495% | 3,921 |
| Return on Equity (ROE) | 8.2179% | 3,162 |
| Retained earnings to average equity (ytd only) | 4.2269% | 3,230 |
| Net charge-offs to loans | 0.0966% | 1,168 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | 14.1500% | 1,805 |
| Efficiency ratio | 82.4387% | 836 |
| Assets per employee ($millions) | 2.6577% | 5,124 |
| Cash dividends to net income (ytd only)* | 48.5651% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,560 |
| Loan loss allowance to noncurrent loans | 511.2760% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3154% | 3,331 |
| Noncurrent loans to loans | 0.2003% | 3,872 |
| Net loans and leases to total assets | 66.6416% | 2,952 |
| Net loans and leases to deposits | 75.6980% | 3,291 |
| Net loans and leases to core deposits | 77.8844% | 3,527 |
| Total domestic deposits to total assets | 88.0361% | 1,321 |
| Equity capital to assets | 8.9831% | 4,698 |
| Core capital (leverage) ratio | 8.8609% | 4,743 |
| Tier 1 risk-based capital ratio | 11.5023% | 4,744 |
| Total risk-based capital ratio | 12.4038% | 4,817 |
| Memoranda: | ||
| Average total assets | $247,681,500 | 2,529 |
| Average earning assets | $226,140,500 | 2,547 |
| Average equity | $22,049,500 | 2,968 |
| Average total loans | $165,712,000 | 2,507 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,426 |
| Cost of funding earning assets | 0.2592% | 4,762 |
| Net interest margin | 3.9487% | 2,166 |
| Noninterest income to average assets | 1.4502% | 431 |
| Noninterest expense to average assets | 4.1449% | 437 |
| Loan and lease loss provision to assets | 0.0495% | 3,195 |
| Net operating income to assets | 0.7279% | 4,043 |
| Return on assets (ROA) | 0.7269% | 4,055 |
| Pretax return on assets | 0.8571% | 4,021 |
| Return on Equity (ROE) | 8.4547% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.8546% | 3,463 |
| Net charge-offs to loans | 0.0132% | 3,241 |
| Credit loss provision to net charge-offs | 580.9524% | 611 |
| Earnings coverage of net charge-offs (x) | 106.5714% | 713 |
| Efficiency ratio | 82.0328% | 804 |
| Assets per employee ($millions) | 2.5846% | 5,185 |
| Cash dividends to net income (ytd only)* | 54.4085% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,345 |
| Loan loss allowance to noncurrent loans | 681.0277% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,763 |
| Noncurrent loans to loans | 0.1550% | 4,043 |
| Net loans and leases to total assets | 65.7701% | 3,164 |
| Net loans and leases to deposits | 74.6671% | 3,448 |
| Net loans and leases to core deposits | 76.7695% | 3,660 |
| Total domestic deposits to total assets | 88.0845% | 1,261 |
| Equity capital to assets | 8.8203% | 4,720 |
| Core capital (leverage) ratio | 8.8665% | 4,756 |
| Tier 1 risk-based capital ratio | 11.5797% | 4,680 |
| Total risk-based capital ratio | 12.4961% | 4,757 |
| Memoranda: | ||
| Average total assets | $246,522,600 | 2,494 |
| Average earning assets | $224,909,200 | 2,525 |
| Average equity | $21,195,200 | 2,969 |
| Average total loans | $159,668,400 | 2,531 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1486% | 3,464 |
| Cost of funding earning assets | 0.2480% | 4,797 |
| Net interest margin | 3.9006% | 2,302 |
| Noninterest income to average assets | 1.4572% | 442 |
| Noninterest expense to average assets | 4.1447% | 426 |
| Loan and lease loss provision to assets | 0.0659% | 2,656 |
| Net operating income to assets | 0.6578% | 4,344 |
| Return on assets (ROA) | 0.6565% | 4,365 |
| Pretax return on assets | 0.8056% | 4,275 |
| Return on Equity (ROE) | 7.6849% | 3,671 |
| Retained earnings to average equity (ytd only) | 3.3712% | 4,071 |
| Net charge-offs to loans | 0.0118% | 2,992 |
| Credit loss provision to net charge-offs | 871.4286% | 458 |
| Earnings coverage of net charge-offs (x) | 115.4049% | 677 |
| Efficiency ratio | 82.5993% | 735 |
| Assets per employee ($millions) | 2.5030% | 5,280 |
| Cash dividends to net income (ytd only)* | 56.1316% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,244 |
| Loan loss allowance to noncurrent loans | 1,491.3793% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 4,115 |
| Noncurrent loans to loans | 0.0731% | 4,548 |
| Net loans and leases to total assets | 63.2992% | 3,510 |
| Net loans and leases to deposits | 72.4485% | 3,735 |
| Net loans and leases to core deposits | 74.5747% | 3,906 |
| Total domestic deposits to total assets | 87.3713% | 1,560 |
| Equity capital to assets | 8.5016% | 4,920 |
| Core capital (leverage) ratio | 8.6318% | 5,009 |
| Tier 1 risk-based capital ratio | 11.6577% | 4,701 |
| Total risk-based capital ratio | 12.5972% | 4,764 |
| Memoranda: | ||
| Average total assets | $246,769,000 | 2,509 |
| Average earning assets | $225,258,250 | 2,535 |
| Average equity | $21,079,750 | 2,997 |
| Average total loans | $158,782,250 | 2,550 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,507 |
| Cost of funding earning assets | 0.2451% | 4,774 |
| Net interest margin | 3.8414% | 2,412 |
| Noninterest income to average assets | 1.4625% | 447 |
| Noninterest expense to average assets | 4.1522% | 443 |
| Loan and lease loss provision to assets | 0.0625% | 2,653 |
| Net operating income to assets | 0.6123% | 4,457 |
| Return on assets (ROA) | 0.6103% | 4,472 |
| Pretax return on assets | 0.7564% | 4,375 |
| Return on Equity (ROE) | 7.1334% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.7604% | 4,146 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4856% | 724 |
| Assets per employee ($millions) | 2.4449% | 5,348 |
| Cash dividends to net income (ytd only)* | 61.3032% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,516 |
| Loan loss allowance to noncurrent loans | 1,075.3165% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 4,010 |
| Noncurrent loans to loans | 0.0980% | 4,474 |
| Net loans and leases to total assets | 65.9276% | 3,163 |
| Net loans and leases to deposits | 74.3219% | 3,504 |
| Net loans and leases to core deposits | 76.5958% | 3,693 |
| Total domestic deposits to total assets | 88.7055% | 1,056 |
| Equity capital to assets | 8.6731% | 4,826 |
| Core capital (leverage) ratio | 8.7126% | 4,948 |
| Tier 1 risk-based capital ratio | 11.5875% | 4,751 |
| Total risk-based capital ratio | 12.5154% | 4,811 |
| Memoranda: | ||
| Average total assets | $246,425,000 | 2,521 |
| Average earning assets | $225,228,670 | 2,550 |
| Average equity | $21,084,000 | 3,007 |
| Average total loans | $158,847,670 | 2,559 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 3,593 |
| Cost of funding earning assets | 0.2262% | 4,856 |
| Net interest margin | 3.7781% | 2,511 |
| Noninterest income to average assets | 1.4577% | 447 |
| Noninterest expense to average assets | 4.1060% | 464 |
| Loan and lease loss provision to assets | 0.0804% | 2,178 |
| Net operating income to assets | 0.5985% | 4,432 |
| Return on assets (ROA) | 0.5985% | 4,439 |
| Pretax return on assets | 0.7385% | 4,328 |
| Return on Equity (ROE) | 7.0423% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.8775% | 4,044 |
| Net charge-offs to loans | 0.0076% | 2,468 |
| Credit loss provision to net charge-offs | 1,666.6667% | 214 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 383 |
| Efficiency ratio | 83.3714% | 839 |
| Assets per employee ($millions) | 2.5517% | 5,384 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,584 |
| Loan loss allowance to noncurrent loans | 1,112.6667% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 4,222 |
| Noncurrent loans to loans | 0.0955% | 4,545 |
| Net loans and leases to total assets | 63.4261% | 3,377 |
| Net loans and leases to deposits | 71.9527% | 3,605 |
| Net loans and leases to core deposits | 74.1373% | 3,817 |
| Total domestic deposits to total assets | 88.1497% | 1,538 |
| Equity capital to assets | 8.5425% | 4,940 |
| Core capital (leverage) ratio | 8.4246% | 5,185 |
| Tier 1 risk-based capital ratio | 11.4725% | 4,874 |
| Total risk-based capital ratio | 12.3808% | 4,965 |
| Memoranda: | ||
| Average total assets | $248,614,500 | 2,527 |
| Average earning assets | $228,158,000 | 2,546 |
| Average equity | $21,129,500 | 3,028 |
| Average total loans | $157,634,500 | 2,597 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 3,550 |
| Cost of funding earning assets | 0.2424% | 4,626 |
| Net interest margin | 3.7135% | 2,744 |
| Noninterest income to average assets | 1.4478% | 506 |
| Noninterest expense to average assets | 3.9256% | 597 |
| Loan and lease loss provision to assets | 0.0816% | 2,566 |
| Net operating income to assets | 0.5657% | 4,163 |
| Return on assets (ROA) | 0.5668% | 4,189 |
| Pretax return on assets | 0.8247% | 4,188 |
| Return on Equity (ROE) | 6.5546% | 3,506 |
| Retained earnings to average equity (ytd only) | 1.9489% | 4,156 |
| Net charge-offs to loans | 0.1327% | 1,728 |
| Credit loss provision to net charge-offs | 99.0099% | 2,624 |
| Earnings coverage of net charge-offs (x) | 10.9752% | 2,619 |
| Efficiency ratio | 81.2706% | 983 |
| Assets per employee ($millions) | 2.6837% | 5,387 |
| Cash dividends to net income (ytd only)* | 70.2664% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,771 |
| Loan loss allowance to noncurrent loans | 1,340.4959% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,427 |
| Noncurrent loans to loans | 0.0765% | 4,656 |
| Net loans and leases to total assets | 62.0804% | 3,613 |
| Net loans and leases to deposits | 70.6060% | 3,821 |
| Net loans and leases to core deposits | 72.7755% | 3,987 |
| Total domestic deposits to total assets | 87.9250% | 1,543 |
| Equity capital to assets | 8.4566% | 5,154 |
| Core capital (leverage) ratio | 8.3379% | 5,264 |
| Tier 1 risk-based capital ratio | 11.1787% | 5,047 |
| Total risk-based capital ratio | 12.0499% | 5,146 |
| Memoranda: | ||
| Average total assets | $245,055,600 | 2,528 |
| Average earning assets | $223,214,800 | 2,560 |
| Average equity | $21,191,200 | 3,020 |
| Average total loans | $152,277,000 | 2,633 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 3,584 |
| Cost of funding earning assets | 0.2452% | 4,608 |
| Net interest margin | 3.6846% | 2,807 |
| Noninterest income to average assets | 1.4788% | 494 |
| Noninterest expense to average assets | 3.9486% | 555 |
| Loan and lease loss provision to assets | 0.0932% | 2,219 |
| Net operating income to assets | 0.5678% | 4,517 |
| Return on assets (ROA) | 0.5678% | 4,555 |
| Pretax return on assets | 0.7887% | 4,381 |
| Return on Equity (ROE) | 6.5292% | 3,900 |
| Retained earnings to average equity (ytd only) | 2.2310% | 4,523 |
| Net charge-offs to loans | 0.1158% | 1,630 |
| Credit loss provision to net charge-offs | 129.7710% | 1,893 |
| Earnings coverage of net charge-offs (x) | 12.2826% | 2,438 |
| Efficiency ratio | 81.7429% | 936 |
| Assets per employee ($millions) | 2.6166% | 5,476 |
| Cash dividends to net income (ytd only)* | 65.8300% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 4,605 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 60.7511% | 3,789 |
| Net loans and leases to deposits | 69.3123% | 4,018 |
| Net loans and leases to core deposits | 71.5662% | 4,156 |
| Total domestic deposits to total assets | 87.6484% | 1,547 |
| Equity capital to assets | 8.5049% | 5,283 |
| Core capital (leverage) ratio | 8.1156% | 5,468 |
| Tier 1 risk-based capital ratio | 11.3357% | 5,055 |
| Total risk-based capital ratio | 12.2439% | 5,141 |
| Memoranda: | ||
| Average total assets | $243,253,250 | 2,557 |
| Average earning assets | $221,273,000 | 2,595 |
| Average equity | $21,155,750 | 3,046 |
| Average total loans | $150,789,000 | 2,665 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,597 |
| Cost of funding earning assets | 0.2462% | 4,574 |
| Net interest margin | 3.6408% | 2,874 |
| Noninterest income to average assets | 1.4791% | 493 |
| Noninterest expense to average assets | 3.9710% | 542 |
| Loan and lease loss provision to assets | 0.0501% | 2,988 |
| Net operating income to assets | 0.5531% | 4,508 |
| Return on assets (ROA) | 0.5531% | 4,550 |
| Pretax return on assets | 0.7650% | 4,392 |
| Return on Equity (ROE) | 6.3106% | 3,905 |
| Retained earnings to average equity (ytd only) | 1.9132% | 4,486 |
| Net charge-offs to loans | 0.1301% | 1,383 |
| Credit loss provision to net charge-offs | 61.8557% | 2,450 |
| Earnings coverage of net charge-offs (x) | 10.0722% | 2,371 |
| Efficiency ratio | 82.9702% | 921 |
| Assets per employee ($millions) | 2.7520% | 5,445 |
| Cash dividends to net income (ytd only)* | 69.6833% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,982 |
| Loan loss allowance to noncurrent loans | 175.5531% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 3,125 |
| Noncurrent loans to loans | 0.5849% | 2,977 |
| Net loans and leases to total assets | 61.0843% | 3,738 |
| Net loans and leases to deposits | 70.5578% | 3,866 |
| Net loans and leases to core deposits | 72.8243% | 4,033 |
| Total domestic deposits to total assets | 86.5734% | 2,141 |
| Equity capital to assets | 8.5918% | 5,236 |
| Core capital (leverage) ratio | 8.5234% | 5,198 |
| Tier 1 risk-based capital ratio | 11.4394% | 4,994 |
| Total risk-based capital ratio | 12.3208% | 5,111 |
| Memoranda: | ||
| Average total assets | $239,735,670 | 2,595 |
| Average earning assets | $217,753,000 | 2,631 |
| Average equity | $21,012,330 | 3,062 |
| Average total loans | $149,101,000 | 2,688 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,454 |
| Cost of funding earning assets | 0.2405% | 4,631 |
| Net interest margin | 3.6421% | 2,726 |
| Noninterest income to average assets | 1.4660% | 502 |
| Noninterest expense to average assets | 4.0105% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5546% | 4,356 |
| Return on assets (ROA) | 0.5546% | 4,404 |
| Pretax return on assets | 0.7628% | 4,232 |
| Return on Equity (ROE) | 6.2620% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.0231% | 4,330 |
| Net charge-offs to loans | 0.0273% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 44.7000% | 960 |
| Efficiency ratio | 84.0186% | 969 |
| Assets per employee ($millions) | 2.7665% | 5,501 |
| Cash dividends to net income (ytd only)* | 67.6923% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 3,791 |
| Loan loss allowance to noncurrent loans | 227.0042% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 3,385 |
| Noncurrent loans to loans | 0.4783% | 3,375 |
| Net loans and leases to total assets | 62.5322% | 3,465 |
| Net loans and leases to deposits | 72.2323% | 3,587 |
| Net loans and leases to core deposits | 74.7034% | 3,768 |
| Total domestic deposits to total assets | 86.5709% | 2,411 |
| Equity capital to assets | 8.9184% | 4,891 |
| Core capital (leverage) ratio | 8.7899% | 4,965 |
| Tier 1 risk-based capital ratio | 11.7845% | 4,861 |
| Total risk-based capital ratio | 12.7123% | 4,951 |
| Memoranda: | ||
| Average total assets | $234,385,500 | 2,665 |
| Average earning assets | $212,846,000 | 2,700 |
| Average equity | $20,760,000 | 3,098 |
| Average total loans | $146,369,500 | 2,741 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 3,528 |
| Cost of funding earning assets | 0.2364% | 4,687 |
| Net interest margin | 3.6764% | 2,792 |
| Noninterest income to average assets | 1.6314% | 458 |
| Noninterest expense to average assets | 4.0814% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6972% | 3,796 |
| Return on assets (ROA) | 0.7411% | 3,700 |
| Pretax return on assets | 0.9432% | 3,680 |
| Return on Equity (ROE) | 8.1563% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.5460% | 3,406 |
| Net charge-offs to loans | 0.0390% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 37.2182% | 1,239 |
| Efficiency ratio | 82.1363% | 1,189 |
| Assets per employee ($millions) | 2.6853% | 5,570 |
| Cash dividends to net income (ytd only)* | 56.5243% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,557 |
| Loan loss allowance to noncurrent loans | 938.7283% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 4,380 |
| Noncurrent loans to loans | 0.1201% | 4,754 |
| Net loans and leases to total assets | 60.9776% | 3,734 |
| Net loans and leases to deposits | 69.7333% | 3,934 |
| Net loans and leases to core deposits | 72.1790% | 4,072 |
| Total domestic deposits to total assets | 87.4440% | 1,909 |
| Equity capital to assets | 8.7956% | 5,015 |
| Core capital (leverage) ratio | 8.7460% | 5,027 |
| Tier 1 risk-based capital ratio | 12.0593% | 4,689 |
| Total risk-based capital ratio | 13.0205% | 4,782 |
| Memoranda: | ||
| Average total assets | $230,604,800 | 2,664 |
| Average earning assets | $209,364,400 | 2,698 |
| Average equity | $20,953,200 | 3,070 |
| Average total loans | $140,918,200 | 2,769 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 3,553 |
| Cost of funding earning assets | 0.2337% | 4,762 |
| Net interest margin | 3.6755% | 2,812 |
| Noninterest income to average assets | 1.6944% | 432 |
| Noninterest expense to average assets | 4.1243% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6474% | 4,094 |
| Return on assets (ROA) | 0.7001% | 3,976 |
| Pretax return on assets | 0.9832% | 3,692 |
| Return on Equity (ROE) | 7.6434% | 3,222 |
| Retained earnings to average equity (ytd only) | 3.3246% | 3,906 |
| Net charge-offs to loans | 0.0343% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 43.5267% | 1,174 |
| Efficiency ratio | 81.9408% | 1,198 |
| Assets per employee ($millions) | 2.6518% | 5,640 |
| Cash dividends to net income (ytd only)* | 56.5038% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 3,516 |
| Loan loss allowance to noncurrent loans | 793.7198% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 4,478 |
| Noncurrent loans to loans | 0.1455% | 4,763 |
| Net loans and leases to total assets | 59.5964% | 3,928 |
| Net loans and leases to deposits | 67.8559% | 4,167 |
| Net loans and leases to core deposits | 70.5152% | 4,285 |
| Total domestic deposits to total assets | 87.8279% | 1,488 |
| Equity capital to assets | 9.0557% | 5,122 |
| Core capital (leverage) ratio | 8.6000% | 5,261 |
| Tier 1 risk-based capital ratio | 12.1488% | 4,700 |
| Total risk-based capital ratio | 13.1392% | 4,755 |
| Memoranda: | ||
| Average total assets | $229,851,750 | 2,672 |
| Average earning assets | $208,799,500 | 2,716 |
| Average equity | $21,054,500 | 3,087 |
| Average total loans | $140,128,250 | 2,780 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 3,597 |
| Cost of funding earning assets | 0.2310% | 4,841 |
| Net interest margin | 3.6724% | 2,813 |
| Noninterest income to average assets | 1.7270% | 427 |
| Noninterest expense to average assets | 4.0957% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6905% | 3,841 |
| Return on assets (ROA) | 0.7129% | 3,880 |
| Pretax return on assets | 0.9991% | 3,587 |
| Return on Equity (ROE) | 7.7523% | 3,116 |
| Retained earnings to average equity (ytd only) | 3.3415% | 3,773 |
| Net charge-offs to loans | 0.0387% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 40.8148% | 1,145 |
| Efficiency ratio | 80.8913% | 1,391 |
| Assets per employee ($millions) | 2.5760% | 5,748 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,570 |
| Loan loss allowance to noncurrent loans | 393.3333% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 3,998 |
| Noncurrent loans to loans | 0.2954% | 4,315 |
| Net loans and leases to total assets | 62.0017% | 3,625 |
| Net loans and leases to deposits | 70.3096% | 3,956 |
| Net loans and leases to core deposits | 73.1686% | 4,063 |
| Total domestic deposits to total assets | 88.1838% | 1,331 |
| Equity capital to assets | 9.3780% | 4,886 |
| Core capital (leverage) ratio | 8.8750% | 4,967 |
| Tier 1 risk-based capital ratio | 12.0751% | 4,781 |
| Total risk-based capital ratio | 13.0738% | 4,837 |
| Memoranda: | ||
| Average total assets | $227,800,330 | 2,699 |
| Average earning assets | $206,948,330 | 2,743 |
| Average equity | $20,948,670 | 3,100 |
| Average total loans | $139,406,330 | 2,800 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 3,677 |
| Cost of funding earning assets | 0.2295% | 4,907 |
| Net interest margin | 3.6465% | 2,901 |
| Noninterest income to average assets | 1.9111% | 361 |
| Noninterest expense to average assets | 4.1251% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7812% | 3,346 |
| Return on assets (ROA) | 0.7812% | 3,451 |
| Pretax return on assets | 1.0983% | 3,098 |
| Return on Equity (ROE) | 8.5796% | 2,618 |
| Retained earnings to average equity (ytd only) | 4.3475% | 3,306 |
| Net charge-offs to loans | 0.0348% | 2,277 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 858 |
| Efficiency ratio | 78.9738% | 1,756 |
| Assets per employee ($millions) | 2.6182% | 5,779 |
| Cash dividends to net income (ytd only)* | 49.3274% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 3,454 |
| Loan loss allowance to noncurrent loans | 302.5408% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 3,414 |
| Noncurrent loans to loans | 0.3978% | 4,008 |
| Net loans and leases to total assets | 60.0706% | 3,762 |
| Net loans and leases to deposits | 68.4109% | 4,017 |
| Net loans and leases to core deposits | 71.0009% | 4,156 |
| Total domestic deposits to total assets | 87.8085% | 1,742 |
| Equity capital to assets | 9.2391% | 4,950 |
| Core capital (leverage) ratio | 8.8922% | 4,967 |
| Tier 1 risk-based capital ratio | 12.4018% | 4,651 |
| Total risk-based capital ratio | 13.4424% | 4,688 |
| Memoranda: | ||
| Average total assets | $228,356,000 | 2,705 |
| Average earning assets | $207,433,500 | 2,748 |
| Average equity | $20,793,500 | 3,116 |
| Average total loans | $138,008,000 | 2,825 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,476 |
| Cost of funding earning assets | 0.2186% | 5,108 |
| Net interest margin | 3.7401% | 2,604 |
| Noninterest income to average assets | 1.5466% | 527 |
| Noninterest expense to average assets | 3.9928% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6987% | 3,815 |
| Return on assets (ROA) | 0.7466% | 3,685 |
| Pretax return on assets | 0.9872% | 3,519 |
| Return on Equity (ROE) | 7.9156% | 2,995 |
| Retained earnings to average equity (ytd only) | -1.3256% | 5,695 |
| Net charge-offs to loans | 0.1087% | 2,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.3706% | 2,305 |
| Efficiency ratio | 81.2037% | 1,507 |
| Assets per employee ($millions) | 2.6314% | 5,827 |
| Cash dividends to net income (ytd only)* | 116.7470% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 3,356 |
| Loan loss allowance to noncurrent loans | 893.0851% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 3,881 |
| Noncurrent loans to loans | 0.1367% | 4,945 |
| Net loans and leases to total assets | 59.3369% | 3,931 |
| Net loans and leases to deposits | 68.3830% | 4,097 |
| Net loans and leases to core deposits | 70.7161% | 4,245 |
| Total domestic deposits to total assets | 86.7715% | 2,244 |
| Equity capital to assets | 8.9730% | 5,152 |
| Core capital (leverage) ratio | 8.8621% | 5,047 |
| Tier 1 risk-based capital ratio | 12.3654% | 4,722 |
| Total risk-based capital ratio | 13.4223% | 4,748 |
| Memoranda: | ||
| Average total assets | $222,352,000 | 2,731 |
| Average earning assets | $200,369,600 | 2,773 |
| Average equity | $20,971,200 | 3,074 |
| Average total loans | $131,534,200 | 2,864 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 3,524 |
| Cost of funding earning assets | 0.2136% | 5,249 |
| Net interest margin | 3.7415% | 2,607 |
| Noninterest income to average assets | 1.5544% | 519 |
| Noninterest expense to average assets | 4.0481% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6305% | 4,238 |
| Return on assets (ROA) | 0.6627% | 4,176 |
| Pretax return on assets | 0.9152% | 3,932 |
| Return on Equity (ROE) | 6.9390% | 3,656 |
| Retained earnings to average equity (ytd only) | -3.5928% | 5,971 |
| Net charge-offs to loans | 0.0738% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.0134% | 1,897 |
| Efficiency ratio | 82.3016% | 1,358 |
| Assets per employee ($millions) | 2.5626% | 5,929 |
| Cash dividends to net income (ytd only)* | 151.7773% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 3,141 |
| Loan loss allowance to noncurrent loans | 327.7154% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 3,724 |
| Noncurrent loans to loans | 0.3943% | 4,203 |
| Net loans and leases to total assets | 58.6073% | 4,067 |
| Net loans and leases to deposits | 66.9016% | 4,288 |
| Net loans and leases to core deposits | 69.4391% | 4,421 |
| Total domestic deposits to total assets | 87.6023% | 1,745 |
| Equity capital to assets | 9.0653% | 5,247 |
| Core capital (leverage) ratio | 8.6213% | 5,441 |
| Tier 1 risk-based capital ratio | 12.1888% | 4,972 |
| Total risk-based capital ratio | 13.2935% | 4,971 |
| Memoranda: | ||
| Average total assets | $220,707,500 | 2,768 |
| Average earning assets | $198,456,000 | 2,819 |
| Average equity | $21,078,500 | 3,089 |
| Average total loans | $130,038,000 | 2,905 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9880% | 3,340 |
| Cost of funding earning assets | 0.2107% | 5,344 |
| Net interest margin | 3.7773% | 2,415 |
| Noninterest income to average assets | 1.4369% | 614 |
| Noninterest expense to average assets | 4.0815% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5434% | 4,583 |
| Return on assets (ROA) | 0.5929% | 4,473 |
| Pretax return on assets | 0.8073% | 4,294 |
| Return on Equity (ROE) | 6.1000% | 4,077 |
| Retained earnings to average equity (ytd only) | 1.5839% | 4,910 |
| Net charge-offs to loans | 0.0920% | 2,104 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.6780% | 2,111 |
| Efficiency ratio | 84.6607% | 1,195 |
| Assets per employee ($millions) | 2.4803% | 6,042 |
| Cash dividends to net income (ytd only)* | 74.0340% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 3,059 |
| Loan loss allowance to noncurrent loans | 283.1461% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 3,998 |
| Noncurrent loans to loans | 0.4709% | 4,064 |
| Net loans and leases to total assets | 59.8001% | 3,864 |
| Net loans and leases to deposits | 67.9917% | 4,136 |
| Net loans and leases to core deposits | 70.8509% | 4,239 |
| Total domestic deposits to total assets | 87.9520% | 1,672 |
| Equity capital to assets | 9.6917% | 4,410 |
| Core capital (leverage) ratio | 9.2537% | 4,614 |
| Tier 1 risk-based capital ratio | 13.0307% | 4,502 |
| Total risk-based capital ratio | 14.1759% | 4,476 |
| Memoranda: | ||
| Average total assets | $218,254,330 | 2,801 |
| Average earning assets | $195,535,000 | 2,866 |
| Average equity | $21,213,000 | 3,091 |
| Average total loans | $128,246,000 | 2,944 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 3,317 |
| Cost of funding earning assets | 0.2151% | 5,365 |
| Net interest margin | 3.7593% | 2,398 |
| Noninterest income to average assets | 1.5707% | 499 |
| Noninterest expense to average assets | 4.1458% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5736% | 4,394 |
| Return on assets (ROA) | 0.6726% | 4,057 |
| Pretax return on assets | 0.9237% | 3,802 |
| Return on Equity (ROE) | 6.9107% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.6174% | 4,374 |
| Net charge-offs to loans | 0.1965% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.9355% | 2,227 |
| Efficiency ratio | 84.0267% | 1,381 |
| Assets per employee ($millions) | 2.5505% | 6,077 |
| Cash dividends to net income (ytd only)* | 62.1253% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 3,010 |
| Loan loss allowance to noncurrent loans | 201.1429% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1839% | 2,265 |
| Noncurrent loans to loans | 0.6872% | 3,559 |
| Net loans and leases to total assets | 56.5935% | 4,138 |
| Net loans and leases to deposits | 65.0749% | 4,258 |
| Net loans and leases to core deposits | 67.5258% | 4,381 |
| Total domestic deposits to total assets | 86.9667% | 2,387 |
| Equity capital to assets | 9.6686% | 4,553 |
| Core capital (leverage) ratio | 9.2039% | 4,704 |
| Tier 1 risk-based capital ratio | 13.9774% | 4,042 |
| Total risk-based capital ratio | 15.2047% | 3,976 |
| Memoranda: | ||
| Average total assets | $218,247,000 | 2,819 |
| Average earning assets | $195,247,000 | 2,889 |
| Average equity | $21,242,500 | 3,109 |
| Average total loans | $126,224,500 | 2,978 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,843 |
| Cost of funding earning assets | 0.2616% | 5,203 |
| Net interest margin | 3.9698% | 1,977 |
| Noninterest income to average assets | 1.6779% | 453 |
| Noninterest expense to average assets | 4.2866% | 551 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7228% | 3,783 |
| Return on assets (ROA) | 0.7256% | 3,870 |
| Pretax return on assets | 0.9490% | 3,694 |
| Return on Equity (ROE) | 7.5022% | 3,370 |
| Retained earnings to average equity (ytd only) | 2.7029% | 4,325 |
| Net charge-offs to loans | 0.1500% | 2,535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 10.5445% | 2,601 |
| Efficiency ratio | 81.9324% | 1,671 |
| Assets per employee ($millions) | 2.4386% | 6,195 |
| Cash dividends to net income (ytd only)* | 63.9715% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 2,664 |
| Loan loss allowance to noncurrent loans | 593.4853% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 2,802 |
| Noncurrent loans to loans | 0.2454% | 4,953 |
| Net loans and leases to total assets | 57.4508% | 4,123 |
| Net loans and leases to deposits | 65.6675% | 4,362 |
| Net loans and leases to core deposits | 67.6849% | 4,537 |
| Total domestic deposits to total assets | 87.4875% | 2,038 |
| Equity capital to assets | 9.8000% | 4,355 |
| Core capital (leverage) ratio | 9.3019% | 4,535 |
| Tier 1 risk-based capital ratio | 14.0831% | 4,037 |
| Total risk-based capital ratio | 15.3557% | 3,947 |
| Memoranda: | ||
| Average total assets | $213,059,400 | 2,852 |
| Average earning assets | $190,742,400 | 2,897 |
| Average equity | $20,607,200 | 3,090 |
| Average total loans | $127,348,200 | 2,913 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 2,772 |
| Cost of funding earning assets | 0.2756% | 5,146 |
| Net interest margin | 3.9856% | 1,922 |
| Noninterest income to average assets | 1.7535% | 425 |
| Noninterest expense to average assets | 4.3333% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7080% | 3,899 |
| Return on assets (ROA) | 0.7116% | 3,984 |
| Pretax return on assets | 0.9974% | 3,605 |
| Return on Equity (ROE) | 7.3815% | 3,506 |
| Retained earnings to average equity (ytd only) | 2.7900% | 4,616 |
| Net charge-offs to loans | 0.1762% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.3668% | 2,681 |
| Efficiency ratio | 81.3655% | 1,697 |
| Assets per employee ($millions) | 2.3576% | 6,325 |
| Cash dividends to net income (ytd only)* | 62.2025% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 3,030 |
| Loan loss allowance to noncurrent loans | 248.8529% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 2,110 |
| Noncurrent loans to loans | 0.5750% | 4,193 |
| Net loans and leases to total assets | 60.5432% | 3,694 |
| Net loans and leases to deposits | 69.0586% | 4,017 |
| Net loans and leases to core deposits | 71.2744% | 4,223 |
| Total domestic deposits to total assets | 87.6694% | 1,940 |
| Equity capital to assets | 9.9267% | 4,262 |
| Core capital (leverage) ratio | 9.2679% | 4,680 |
| Tier 1 risk-based capital ratio | 13.7270% | 4,403 |
| Total risk-based capital ratio | 15.0006% | 4,322 |
| Memoranda: | ||
| Average total assets | $212,674,000 | 2,879 |
| Average earning assets | $190,616,250 | 2,930 |
| Average equity | $20,501,250 | 3,117 |
| Average total loans | $127,907,250 | 2,918 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 2,794 |
| Cost of funding earning assets | 0.2861% | 5,121 |
| Net interest margin | 3.9562% | 1,942 |
| Noninterest income to average assets | 1.7292% | 434 |
| Noninterest expense to average assets | 4.2917% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6937% | 3,880 |
| Return on assets (ROA) | 0.6937% | 3,969 |
| Pretax return on assets | 0.9849% | 3,536 |
| Return on Equity (ROE) | 7.2676% | 3,484 |
| Retained earnings to average equity (ytd only) | 2.5794% | 4,561 |
| Net charge-offs to loans | 0.1646% | 2,074 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.0190% | 2,287 |
| Efficiency ratio | 81.3343% | 1,831 |
| Assets per employee ($millions) | 2.4026% | 6,356 |
| Cash dividends to net income (ytd only)* | 64.5074% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 2,981 |
| Loan loss allowance to noncurrent loans | 296.2733% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 1.4309% | 2,281 |
| Noncurrent loans to loans | 0.5006% | 4,492 |
| Net loans and leases to total assets | 58.6140% | 3,913 |
| Net loans and leases to deposits | 68.2747% | 4,021 |
| Net loans and leases to core deposits | 70.7544% | 4,183 |
| Total domestic deposits to total assets | 85.8503% | 3,124 |
| Equity capital to assets | 9.5435% | 4,695 |
| Core capital (leverage) ratio | 9.2357% | 4,687 |
| Tier 1 risk-based capital ratio | 13.3792% | 4,661 |
| Total risk-based capital ratio | 14.6553% | 4,594 |
| Memoranda: | ||
| Average total assets | $213,623,000 | 2,879 |
| Average earning assets | $191,546,000 | 2,926 |
| Average equity | $20,392,000 | 3,128 |
| Average total loans | $127,583,000 | 2,913 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,655 |
| Cost of funding earning assets | 0.2842% | 5,227 |
| Net interest margin | 3.9793% | 1,832 |
| Noninterest income to average assets | 1.7803% | 404 |
| Noninterest expense to average assets | 4.3331% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7460% | 3,446 |
| Return on assets (ROA) | 0.7460% | 3,529 |
| Pretax return on assets | 1.0607% | 3,084 |
| Return on Equity (ROE) | 7.8145% | 3,036 |
| Retained earnings to average equity (ytd only) | 3.3152% | 4,138 |
| Net charge-offs to loans | 0.2991% | 1,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.9263% | 2,311 |
| Efficiency ratio | 80.3353% | 2,154 |
| Assets per employee ($millions) | 2.3532% | 6,446 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 3,179 |
| Loan loss allowance to noncurrent loans | 122.3995% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 2,871 |
| Noncurrent loans to loans | 1.2173% | 3,011 |
| Net loans and leases to total assets | 59.2175% | 3,676 |
| Net loans and leases to deposits | 67.5893% | 3,903 |
| Net loans and leases to core deposits | 70.1098% | 4,077 |
| Total domestic deposits to total assets | 87.6138% | 2,449 |
| Equity capital to assets | 9.5180% | 4,479 |
| Core capital (leverage) ratio | 9.1885% | 4,732 |
| Tier 1 risk-based capital ratio | 13.7362% | 4,515 |
| Total risk-based capital ratio | 15.0088% | 4,451 |
| Memoranda: | ||
| Average total assets | $212,319,500 | 2,895 |
| Average earning assets | $192,799,000 | 2,936 |
| Average equity | $20,270,000 | 3,139 |
| Average total loans | $127,050,000 | 2,921 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 3,472 |
| Cost of funding earning assets | 0.3205% | 5,419 |
| Net interest margin | 3.8458% | 2,483 |
| Noninterest income to average assets | 1.5022% | 626 |
| Noninterest expense to average assets | 3.9284% | 949 |
| Loan and lease loss provision to assets | 0.1259% | 2,737 |
| Net operating income to assets | 0.6994% | 3,797 |
| Return on assets (ROA) | 0.7285% | 3,752 |
| Pretax return on assets | 0.9926% | 3,378 |
| Return on Equity (ROE) | 7.8395% | 3,120 |
| Retained earnings to average equity (ytd only) | 3.2669% | 3,906 |
| Net charge-offs to loans | 0.1165% | 3,646 |
| Credit loss provision to net charge-offs | 190.9722% | 1,195 |
| Earnings coverage of net charge-offs (x) | 16.3611% | 1,806 |
| Efficiency ratio | 78.4565% | 2,391 |
| Assets per employee ($millions) | 2.3132% | 6,515 |
| Cash dividends to net income (ytd only)* | 58.3281% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 2,739 |
| Loan loss allowance to noncurrent loans | 98.9189% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 2,237 |
| Noncurrent loans to loans | 1.6232% | 2,466 |
| Net loans and leases to total assets | 58.6039% | 3,937 |
| Net loans and leases to deposits | 66.8408% | 4,198 |
| Net loans and leases to core deposits | 69.1278% | 4,380 |
| Total domestic deposits to total assets | 87.6768% | 2,381 |
| Equity capital to assets | 9.5763% | 4,318 |
| Core capital (leverage) ratio | 9.0902% | 4,875 |
| Tier 1 risk-based capital ratio | 13.8662% | 4,387 |
| Total risk-based capital ratio | 15.1375% | 4,313 |
| Memoranda: | ||
| Average total assets | $218,407,600 | 2,827 |
| Average earning assets | $199,048,800 | 2,835 |
| Average equity | $20,294,600 | 3,123 |
| Average total loans | $123,564,800 | 2,968 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 3,528 |
| Cost of funding earning assets | 0.3267% | 5,496 |
| Net interest margin | 3.8330% | 2,527 |
| Noninterest income to average assets | 1.5482% | 614 |
| Noninterest expense to average assets | 3.8955% | 973 |
| Loan and lease loss provision to assets | 0.1664% | 2,179 |
| Net operating income to assets | 0.7051% | 3,833 |
| Return on assets (ROA) | 0.7072% | 3,955 |
| Pretax return on assets | 0.9892% | 3,543 |
| Return on Equity (ROE) | 7.6671% | 3,299 |
| Retained earnings to average equity (ytd only) | 3.0826% | 4,476 |
| Net charge-offs to loans | 0.1516% | 3,026 |
| Credit loss provision to net charge-offs | 196.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 13.6073% | 2,014 |
| Efficiency ratio | 77.1692% | 2,528 |
| Assets per employee ($millions) | 2.4199% | 6,537 |
| Cash dividends to net income (ytd only)* | 59.7948% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 2,858 |
| Loan loss allowance to noncurrent loans | 843.9331% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 3,943 |
| Noncurrent loans to loans | 0.1940% | 5,757 |
| Net loans and leases to total assets | 55.6514% | 4,367 |
| Net loans and leases to deposits | 64.0979% | 4,508 |
| Net loans and leases to core deposits | 66.8037% | 4,643 |
| Total domestic deposits to total assets | 86.8225% | 2,790 |
| Equity capital to assets | 9.1493% | 4,993 |
| Core capital (leverage) ratio | 8.7154% | 5,511 |
| Tier 1 risk-based capital ratio | 13.8028% | 4,569 |
| Total risk-based capital ratio | 15.0696% | 4,511 |
| Memoranda: | ||
| Average total assets | $220,385,000 | 2,827 |
| Average earning assets | $201,228,000 | 2,837 |
| Average equity | $20,328,750 | 3,152 |
| Average total loans | $123,112,750 | 2,996 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 3,626 |
| Cost of funding earning assets | 0.3383% | 5,501 |
| Net interest margin | 3.7911% | 2,584 |
| Noninterest income to average assets | 1.5033% | 691 |
| Noninterest expense to average assets | 3.8255% | 1,061 |
| Loan and lease loss provision to assets | 0.2169% | 1,750 |
| Net operating income to assets | 0.6657% | 3,995 |
| Return on assets (ROA) | 0.6689% | 4,128 |
| Pretax return on assets | 0.9302% | 3,785 |
| Return on Equity (ROE) | 7.2326% | 3,479 |
| Retained earnings to average equity (ytd only) | 2.6291% | 4,634 |
| Net charge-offs to loans | 0.1121% | 3,244 |
| Credit loss provision to net charge-offs | 347.8261% | 752 |
| Earnings coverage of net charge-offs (x) | 18.3188% | 1,560 |
| Efficiency ratio | 77.0015% | 2,624 |
| Assets per employee ($millions) | 2.4525% | 6,537 |
| Cash dividends to net income (ytd only)* | 63.6486% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 2,928 |
| Loan loss allowance to noncurrent loans | 283.9557% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 3,937 |
| Noncurrent loans to loans | 0.5853% | 4,793 |
| Net loans and leases to total assets | 55.6558% | 4,350 |
| Net loans and leases to deposits | 64.3674% | 4,454 |
| Net loans and leases to core deposits | 67.5534% | 4,547 |
| Total domestic deposits to total assets | 86.4658% | 3,130 |
| Equity capital to assets | 9.1094% | 5,093 |
| Core capital (leverage) ratio | 8.6077% | 5,547 |
| Tier 1 risk-based capital ratio | 13.7448% | 4,609 |
| Total risk-based capital ratio | 15.0080% | 4,570 |
| Memoranda: | ||
| Average total assets | $221,250,670 | 2,824 |
| Average earning assets | $202,208,670 | 2,842 |
| Average equity | $20,463,000 | 3,160 |
| Average total loans | $123,077,330 | 3,003 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 3,801 |
| Cost of funding earning assets | 0.3515% | 5,519 |
| Net interest margin | 3.7293% | 2,736 |
| Noninterest income to average assets | 1.4384% | 738 |
| Noninterest expense to average assets | 3.7604% | 1,164 |
| Loan and lease loss provision to assets | 0.2694% | 1,317 |
| Net operating income to assets | 0.5944% | 4,248 |
| Return on assets (ROA) | 0.5944% | 4,395 |
| Pretax return on assets | 0.8189% | 4,095 |
| Return on Equity (ROE) | 6.3798% | 3,832 |
| Retained earnings to average equity (ytd only) | 1.9660% | 5,018 |
| Net charge-offs to loans | 0.0358% | 3,521 |
| Credit loss provision to net charge-offs | 1,363.6364% | 238 |
| Earnings coverage of net charge-offs (x) | 55.0909% | 628 |
| Efficiency ratio | 77.5556% | 2,684 |
| Assets per employee ($millions) | 2.5899% | 6,504 |
| Cash dividends to net income (ytd only)* | 69.1843% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 3,132 |
| Loan loss allowance to noncurrent loans | 379.8872% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 4,170 |
| Noncurrent loans to loans | 0.4396% | 5,322 |
| Net loans and leases to total assets | 53.4331% | 4,493 |
| Net loans and leases to deposits | 61.6906% | 4,595 |
| Net loans and leases to core deposits | 65.0920% | 4,643 |
| Total domestic deposits to total assets | 86.6147% | 3,171 |
| Equity capital to assets | 9.3490% | 5,064 |
| Core capital (leverage) ratio | 8.4214% | 5,679 |
| Tier 1 risk-based capital ratio | 13.8344% | 4,627 |
| Total risk-based capital ratio | 15.1009% | 4,578 |
| Memoranda: | ||
| Average total assets | $222,741,000 | 2,844 |
| Average earning assets | $203,685,500 | 2,857 |
| Average equity | $20,753,000 | 3,167 |
| Average total loans | $122,849,500 | 3,029 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 3,850 |
| Cost of funding earning assets | 0.3696% | 6,109 |
| Net interest margin | 4.0207% | 2,314 |
| Noninterest income to average assets | 1.4546% | 742 |
| Noninterest expense to average assets | 3.8023% | 1,251 |
| Loan and lease loss provision to assets | 0.5690% | 992 |
| Net operating income to assets | 0.5742% | 4,364 |
| Return on assets (ROA) | 0.7135% | 3,934 |
| Pretax return on assets | 0.9449% | 3,767 |
| Return on Equity (ROE) | 7.4896% | 3,347 |
| Retained earnings to average equity (ytd only) | 2.4525% | 4,513 |
| Net charge-offs to loans | 0.9660% | 1,142 |
| Credit loss provision to net charge-offs | 101.7515% | 2,971 |
| Earnings coverage of net charge-offs (x) | 2.3795% | 4,219 |
| Efficiency ratio | 74.0778% | 3,059 |
| Assets per employee ($millions) | 2.5902% | 6,547 |
| Cash dividends to net income (ytd only)* | 67.2549% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,703 |
| Loan loss allowance to noncurrent loans | 177.4741% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 4,297 |
| Noncurrent loans to loans | 0.8511% | 4,481 |
| Net loans and leases to total assets | 55.1211% | 4,435 |
| Net loans and leases to deposits | 63.8741% | 4,548 |
| Net loans and leases to core deposits | 67.4023% | 4,601 |
| Total domestic deposits to total assets | 86.2965% | 3,204 |
| Equity capital to assets | 9.2852% | 5,174 |
| Core capital (leverage) ratio | 8.4837% | 5,636 |
| Tier 1 risk-based capital ratio | 13.5000% | 4,751 |
| Total risk-based capital ratio | 14.7609% | 4,695 |
| Memoranda: | ||
| Average total assets | $214,425,000 | 2,890 |
| Average earning assets | $196,161,400 | 2,880 |
| Average equity | $20,428,200 | 3,148 |
| Average total loans | $124,125,000 | 3,003 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 3,908 |
| Cost of funding earning assets | 0.3697% | 6,276 |
| Net interest margin | 4.0636% | 2,240 |
| Noninterest income to average assets | 1.4655% | 694 |
| Noninterest expense to average assets | 3.8421% | 1,139 |
| Loan and lease loss provision to assets | 0.5180% | 1,168 |
| Net operating income to assets | 0.5890% | 4,442 |
| Return on assets (ROA) | 0.7667% | 3,872 |
| Pretax return on assets | 1.0718% | 3,455 |
| Return on Equity (ROE) | 7.9941% | 3,287 |
| Retained earnings to average equity (ytd only) | 3.1165% | 4,679 |
| Net charge-offs to loans | 0.8753% | 1,253 |
| Credit loss provision to net charge-offs | 101.3514% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.6278% | 3,987 |
| Efficiency ratio | 74.0978% | 2,968 |
| Assets per employee ($millions) | 2.5355% | 6,672 |
| Cash dividends to net income (ytd only)* | 61.0156% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 4,035 |
| Loan loss allowance to noncurrent loans | 140.7519% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.0767% | 4,142 |
| Noncurrent loans to loans | 1.0504% | 4,337 |
| Net loans and leases to total assets | 56.5491% | 4,366 |
| Net loans and leases to deposits | 65.4255% | 4,546 |
| Net loans and leases to core deposits | 69.1205% | 4,596 |
| Total domestic deposits to total assets | 86.4327% | 3,025 |
| Equity capital to assets | 9.3799% | 5,367 |
| Core capital (leverage) ratio | 8.4642% | 5,803 |
| Tier 1 risk-based capital ratio | 13.3380% | 4,996 |
| Total risk-based capital ratio | 14.5985% | 4,951 |
| Memoranda: | ||
| Average total assets | $212,343,000 | 2,934 |
| Average earning assets | $194,369,000 | 2,938 |
| Average equity | $20,364,500 | 3,191 |
| Average total loans | $123,989,500 | 3,033 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4495% | 3,978 |
| Cost of funding earning assets | 0.3711% | 6,412 |
| Net interest margin | 4.0785% | 2,177 |
| Noninterest income to average assets | 1.4638% | 678 |
| Noninterest expense to average assets | 3.8770% | 1,106 |
| Loan and lease loss provision to assets | 0.6441% | 889 |
| Net operating income to assets | 0.4848% | 4,888 |
| Return on assets (ROA) | 0.7548% | 3,858 |
| Pretax return on assets | 1.0516% | 3,508 |
| Return on Equity (ROE) | 7.8102% | 3,340 |
| Retained earnings to average equity (ytd only) | 2.9128% | 4,692 |
| Net charge-offs to loans | 0.8724% | 1,264 |
| Credit loss provision to net charge-offs | 125.6983% | 2,186 |
| Earnings coverage of net charge-offs (x) | 2.5773% | 3,719 |
| Efficiency ratio | 74.5915% | 2,971 |
| Assets per employee ($millions) | 2.5625% | 6,704 |
| Cash dividends to net income (ytd only)* | 62.7054% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5761% | 3,686 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2832% | 3,862 |
| Noncurrent loans to loans | 1.2806% | 3,998 |
| Net loans and leases to total assets | 58.0229% | 4,155 |
| Net loans and leases to deposits | 66.3543% | 4,463 |
| Net loans and leases to core deposits | 69.7947% | 4,550 |
| Total domestic deposits to total assets | 87.4441% | 2,503 |
| Equity capital to assets | 9.4408% | 5,142 |
| Core capital (leverage) ratio | 8.7244% | 5,340 |
| Tier 1 risk-based capital ratio | 13.4428% | 4,873 |
| Total risk-based capital ratio | 14.7058% | 4,818 |
| Memoranda: | ||
| Average total assets | $209,594,330 | 2,970 |
| Average earning assets | $191,885,670 | 2,974 |
| Average equity | $20,255,670 | 3,195 |
| Average total loans | $123,115,000 | 3,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 3,899 |
| Cost of funding earning assets | 0.3717% | 6,546 |
| Net interest margin | 4.1313% | 1,989 |
| Noninterest income to average assets | 1.5438% | 608 |
| Noninterest expense to average assets | 3.8072% | 1,204 |
| Loan and lease loss provision to assets | 0.8222% | 587 |
| Net operating income to assets | 0.5204% | 4,736 |
| Return on assets (ROA) | 0.5204% | 4,945 |
| Pretax return on assets | 0.6984% | 4,794 |
| Return on Equity (ROE) | 5.3207% | 4,635 |
| Retained earnings to average equity (ytd only) | 0.7912% | 5,741 |
| Net charge-offs to loans | 1.5211% | 655 |
| Credit loss provision to net charge-offs | 92.1909% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.7050% | 3,481 |
| Efficiency ratio | 71.4597% | 3,541 |
| Assets per employee ($millions) | 2.6247% | 6,711 |
| Cash dividends to net income (ytd only)* | 85.1301% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 4,013 |
| Loan loss allowance to noncurrent loans | 76.0734% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.5466% | 3,543 |
| Noncurrent loans to loans | 2.0172% | 3,136 |
| Net loans and leases to total assets | 56.4764% | 4,295 |
| Net loans and leases to deposits | 64.8896% | 4,501 |
| Net loans and leases to core deposits | 68.2999% | 4,648 |
| Total domestic deposits to total assets | 87.0346% | 2,938 |
| Equity capital to assets | 9.7549% | 4,450 |
| Core capital (leverage) ratio | 9.1382% | 4,624 |
| Tier 1 risk-based capital ratio | 14.4294% | 4,165 |
| Total risk-based capital ratio | 15.6943% | 4,115 |
| Memoranda: | ||
| Average total assets | $206,768,500 | 3,031 |
| Average earning assets | $189,381,500 | 3,023 |
| Average equity | $20,223,000 | 3,200 |
| Average total loans | $121,226,500 | 3,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7280% | 4,133 |
| Cost of funding earning assets | 0.7891% | 4,946 |
| Net interest margin | 3.9389% | 3,161 |
| Noninterest income to average assets | 1.4644% | 605 |
| Noninterest expense to average assets | 3.6371% | 1,669 |
| Loan and lease loss provision to assets | 0.2459% | 3,752 |
| Net operating income to assets | 0.8722% | 2,727 |
| Return on assets (ROA) | 0.9110% | 2,674 |
| Pretax return on assets | 1.2538% | 2,289 |
| Return on Equity (ROE) | 9.4713% | 2,257 |
| Retained earnings to average equity (ytd only) | 3.7077% | 3,571 |
| Net charge-offs to loans | 0.2858% | 3,985 |
| Credit loss provision to net charge-offs | 147.0588% | 1,940 |
| Earnings coverage of net charge-offs (x) | 8.6500% | 2,113 |
| Efficiency ratio | 71.5433% | 3,677 |
| Assets per employee ($millions) | 2.5773% | 6,756 |
| Cash dividends to net income (ytd only)* | 60.8531% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 3,990 |
| Loan loss allowance to noncurrent loans | 111.2373% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1815% | 4,273 |
| Noncurrent loans to loans | 1.3544% | 4,114 |
| Net loans and leases to total assets | 59.0062% | 4,196 |
| Net loans and leases to deposits | 68.5644% | 4,353 |
| Net loans and leases to core deposits | 72.1174% | 4,513 |
| Total domestic deposits to total assets | 86.0596% | 3,291 |
| Equity capital to assets | 9.8062% | 4,436 |
| Core capital (leverage) ratio | 9.0432% | 4,704 |
| Tier 1 risk-based capital ratio | 13.9435% | 4,366 |
| Total risk-based capital ratio | 15.1951% | 4,322 |
| Memoranda: | ||
| Average total assets | $203,294,400 | 3,019 |
| Average earning assets | $186,803,800 | 3,003 |
| Average equity | $19,553,800 | 3,202 |
| Average total loans | $118,974,000 | 3,197 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 4,299 |
| Cost of funding earning assets | 0.8805% | 4,549 |
| Net interest margin | 3.8553% | 3,588 |
| Noninterest income to average assets | 1.5059% | 579 |
| Noninterest expense to average assets | 3.7076% | 1,482 |
| Loan and lease loss provision to assets | 0.2007% | 4,014 |
| Net operating income to assets | 0.8207% | 3,058 |
| Return on assets (ROA) | 0.8662% | 3,028 |
| Pretax return on assets | 1.2084% | 2,600 |
| Return on Equity (ROE) | 9.0503% | 2,575 |
| Retained earnings to average equity (ytd only) | 3.3973% | 4,317 |
| Net charge-offs to loans | 0.2670% | 3,770 |
| Credit loss provision to net charge-offs | 129.2373% | 2,462 |
| Earnings coverage of net charge-offs (x) | 8.6652% | 2,143 |
| Efficiency ratio | 73.3655% | 3,303 |
| Assets per employee ($millions) | 2.5075% | 6,881 |
| Cash dividends to net income (ytd only)* | 62.4620% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4736% | 4,233 |
| Loan loss allowance to noncurrent loans | 164.3454% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 5,025 |
| Noncurrent loans to loans | 0.8966% | 5,070 |
| Net loans and leases to total assets | 57.5586% | 4,576 |
| Net loans and leases to deposits | 67.0147% | 4,755 |
| Net loans and leases to core deposits | 69.9750% | 4,950 |
| Total domestic deposits to total assets | 85.8895% | 3,273 |
| Equity capital to assets | 9.7718% | 4,666 |
| Core capital (leverage) ratio | 8.7942% | 5,274 |
| Tier 1 risk-based capital ratio | 14.0794% | 4,297 |
| Total risk-based capital ratio | 15.3309% | 4,270 |
| Memoranda: | ||
| Average total assets | $202,571,750 | 3,046 |
| Average earning assets | $186,407,250 | 3,018 |
| Average equity | $19,387,500 | 3,229 |
| Average total loans | $117,836,750 | 3,246 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 4,407 |
| Cost of funding earning assets | 0.9531% | 4,293 |
| Net interest margin | 3.7757% | 3,910 |
| Noninterest income to average assets | 1.5192% | 555 |
| Noninterest expense to average assets | 3.7409% | 1,463 |
| Loan and lease loss provision to assets | 0.1935% | 3,991 |
| Net operating income to assets | 0.7644% | 3,225 |
| Return on assets (ROA) | 0.7859% | 3,260 |
| Pretax return on assets | 1.0855% | 2,913 |
| Return on Equity (ROE) | 8.2704% | 2,821 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,940 |
| Net charge-offs to loans | 0.2733% | 3,521 |
| Credit loss provision to net charge-offs | 121.8750% | 2,502 |
| Earnings coverage of net charge-offs (x) | 7.8688% | 2,150 |
| Efficiency ratio | 74.9652% | 3,185 |
| Assets per employee ($millions) | 2.4927% | 6,917 |
| Cash dividends to net income (ytd only)* | 74.8737% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 4,353 |
| Loan loss allowance to noncurrent loans | 197.9475% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7796% | 5,332 |
| Noncurrent loans to loans | 0.7317% | 5,448 |
| Net loans and leases to total assets | 58.5071% | 4,542 |
| Net loans and leases to deposits | 66.9724% | 4,854 |
| Net loans and leases to core deposits | 69.8238% | 5,093 |
| Total domestic deposits to total assets | 87.3600% | 2,543 |
| Equity capital to assets | 9.6416% | 4,612 |
| Core capital (leverage) ratio | 8.8767% | 4,919 |
| Tier 1 risk-based capital ratio | 14.0722% | 4,117 |
| Total risk-based capital ratio | 15.3510% | 4,064 |
| Memoranda: | ||
| Average total assets | $201,558,000 | 3,082 |
| Average earning assets | $185,290,670 | 3,054 |
| Average equity | $19,152,670 | 3,254 |
| Average total loans | $117,076,330 | 3,288 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 4,373 |
| Cost of funding earning assets | 0.9965% | 4,228 |
| Net interest margin | 3.7331% | 3,931 |
| Noninterest income to average assets | 1.6387% | 500 |
| Noninterest expense to average assets | 3.7501% | 1,443 |
| Loan and lease loss provision to assets | 0.2681% | 2,994 |
| Net operating income to assets | 0.7678% | 3,185 |
| Return on assets (ROA) | 0.7707% | 3,238 |
| Pretax return on assets | 1.0547% | 2,924 |
| Return on Equity (ROE) | 8.1704% | 2,843 |
| Retained earnings to average equity (ytd only) | 1.9162% | 4,972 |
| Net charge-offs to loans | 0.2559% | 3,050 |
| Credit loss provision to net charge-offs | 182.4324% | 1,606 |
| Earnings coverage of net charge-offs (x) | 8.9730% | 1,770 |
| Efficiency ratio | 73.9812% | 3,516 |
| Assets per employee ($millions) | 2.5349% | 6,941 |
| Cash dividends to net income (ytd only)* | 76.5464% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 4,044 |
| Loan loss allowance to noncurrent loans | 226.1874% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 5,315 |
| Noncurrent loans to loans | 0.6771% | 5,671 |
| Net loans and leases to total assets | 55.8627% | 5,015 |
| Net loans and leases to deposits | 63.9299% | 5,262 |
| Net loans and leases to core deposits | 66.6257% | 5,451 |
| Total domestic deposits to total assets | 87.3812% | 2,722 |
| Equity capital to assets | 9.3924% | 4,587 |
| Core capital (leverage) ratio | 8.9535% | 4,686 |
| Tier 1 risk-based capital ratio | 14.3887% | 3,814 |
| Total risk-based capital ratio | 15.6540% | 3,763 |
| Memoranda: | ||
| Average total assets | $201,383,500 | 3,094 |
| Average earning assets | $185,045,000 | 3,079 |
| Average equity | $18,995,500 | 3,258 |
| Average total loans | $115,681,500 | 3,348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2327% | 3,444 |
| Cost of funding earning assets | 1.1414% | 4,900 |
| Net interest margin | 4.0913% | 2,608 |
| Noninterest income to average assets | 1.5282% | 625 |
| Noninterest expense to average assets | 3.9425% | 1,250 |
| Loan and lease loss provision to assets | 0.2718% | 4,631 |
| Net operating income to assets | 0.7949% | 2,824 |
| Return on assets (ROA) | 0.8633% | 2,678 |
| Pretax return on assets | 1.1525% | 2,387 |
| Return on Equity (ROE) | 8.6698% | 2,434 |
| Retained earnings to average equity (ytd only) | 3.2061% | 3,623 |
| Net charge-offs to loans | 0.3401% | 4,313 |
| Credit loss provision to net charge-offs | 128.7500% | 3,102 |
| Earnings coverage of net charge-offs (x) | 6.3150% | 2,386 |
| Efficiency ratio | 74.7324% | 3,247 |
| Assets per employee ($millions) | 2.5313% | 6,962 |
| Cash dividends to net income (ytd only)* | 63.0196% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 4,221 |
| Loan loss allowance to noncurrent loans | 243.6963% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 5,522 |
| Noncurrent loans to loans | 0.6001% | 5,839 |
| Net loans and leases to total assets | 57.3147% | 5,136 |
| Net loans and leases to deposits | 66.0099% | 5,398 |
| Net loans and leases to core deposits | 68.9650% | 5,557 |
| Total domestic deposits to total assets | 86.8274% | 2,919 |
| Equity capital to assets | 9.4732% | 4,437 |
| Core capital (leverage) ratio | 9.0026% | 4,551 |
| Tier 1 risk-based capital ratio | 14.3605% | 3,639 |
| Total risk-based capital ratio | 15.6388% | 3,575 |
| Memoranda: | ||
| Average total assets | $189,497,800 | 3,237 |
| Average earning assets | $173,561,600 | 3,214 |
| Average equity | $18,870,000 | 3,294 |
| Average total loans | $117,625,000 | 3,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3381% | 3,174 |
| Cost of funding earning assets | 1.1513% | 5,141 |
| Net interest margin | 4.1868% | 2,265 |
| Noninterest income to average assets | 1.5739% | 563 |
| Noninterest expense to average assets | 4.1174% | 920 |
| Loan and lease loss provision to assets | 0.2890% | 4,266 |
| Net operating income to assets | 0.7223% | 3,313 |
| Return on assets (ROA) | 0.8112% | 3,101 |
| Pretax return on assets | 1.1230% | 2,758 |
| Return on Equity (ROE) | 8.0416% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.8432% | 4,433 |
| Net charge-offs to loans | 0.3922% | 3,719 |
| Credit loss provision to net charge-offs | 116.7147% | 3,563 |
| Earnings coverage of net charge-offs (x) | 5.2046% | 2,814 |
| Efficiency ratio | 76.1647% | 2,918 |
| Assets per employee ($millions) | 2.4321% | 7,161 |
| Cash dividends to net income (ytd only)* | 64.6442% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 4,383 |
| Loan loss allowance to noncurrent loans | 309.0226% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 6,009 |
| Noncurrent loans to loans | 0.4571% | 6,271 |
| Net loans and leases to total assets | 58.2418% | 5,228 |
| Net loans and leases to deposits | 67.0671% | 5,536 |
| Net loans and leases to core deposits | 70.3239% | 5,712 |
| Total domestic deposits to total assets | 86.8412% | 2,618 |
| Equity capital to assets | 9.7192% | 4,516 |
| Core capital (leverage) ratio | 9.0379% | 4,625 |
| Tier 1 risk-based capital ratio | 14.2841% | 3,644 |
| Total risk-based capital ratio | 15.5351% | 3,599 |
| Memoranda: | ||
| Average total assets | $186,878,500 | 3,319 |
| Average earning assets | $171,043,000 | 3,302 |
| Average equity | $18,851,500 | 3,339 |
| Average total loans | $117,952,250 | 3,403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 2,869 |
| Cost of funding earning assets | 1.1528% | 5,387 |
| Net interest margin | 4.2714% | 1,887 |
| Noninterest income to average assets | 1.6577% | 466 |
| Noninterest expense to average assets | 4.2244% | 789 |
| Loan and lease loss provision to assets | 0.4305% | 3,168 |
| Net operating income to assets | 0.6577% | 3,594 |
| Return on assets (ROA) | 0.7934% | 3,148 |
| Pretax return on assets | 1.0964% | 2,797 |
| Return on Equity (ROE) | 7.7641% | 2,982 |
| Retained earnings to average equity (ytd only) | 2.6236% | 4,470 |
| Net charge-offs to loans | 0.3764% | 3,479 |
| Credit loss provision to net charge-offs | 177.1300% | 2,212 |
| Earnings coverage of net charge-offs (x) | 5.5067% | 2,652 |
| Efficiency ratio | 75.9404% | 3,086 |
| Assets per employee ($millions) | 2.2938% | 7,356 |
| Cash dividends to net income (ytd only)* | 66.2088% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 3,860 |
| Loan loss allowance to noncurrent loans | 217.3053% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 5,868 |
| Noncurrent loans to loans | 0.6955% | 5,855 |
| Net loans and leases to total assets | 60.9054% | 4,887 |
| Net loans and leases to deposits | 70.0810% | 5,270 |
| Net loans and leases to core deposits | 72.8591% | 5,576 |
| Total domestic deposits to total assets | 86.9071% | 2,580 |
| Equity capital to assets | 10.0045% | 4,020 |
| Core capital (leverage) ratio | 9.4465% | 3,902 |
| Tier 1 risk-based capital ratio | 14.3662% | 3,509 |
| Total risk-based capital ratio | 15.6269% | 3,475 |
| Memoranda: | ||
| Average total assets | $183,504,330 | 3,394 |
| Average earning assets | $167,766,000 | 3,378 |
| Average equity | $18,753,000 | 3,342 |
| Average total loans | $118,476,000 | 3,426 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 2,419 |
| Cost of funding earning assets | 1.1735% | 5,536 |
| Net interest margin | 4.3649% | 1,490 |
| Noninterest income to average assets | 1.6688% | 456 |
| Noninterest expense to average assets | 4.2492% | 767 |
| Loan and lease loss provision to assets | 0.2980% | 3,653 |
| Net operating income to assets | 0.8019% | 2,953 |
| Return on assets (ROA) | 0.8035% | 3,047 |
| Pretax return on assets | 1.1059% | 2,713 |
| Return on Equity (ROE) | 7.7776% | 2,989 |
| Retained earnings to average equity (ytd only) | 2.6922% | 4,528 |
| Net charge-offs to loans | 0.5955% | 2,319 |
| Credit loss provision to net charge-offs | 75.8427% | 3,979 |
| Earnings coverage of net charge-offs (x) | 3.5674% | 2,864 |
| Efficiency ratio | 75.1953% | 3,360 |
| Assets per employee ($millions) | 2.2559% | 7,500 |
| Cash dividends to net income (ytd only)* | 65.3846% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 4,910 |
| Loan loss allowance to noncurrent loans | 343.6526% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.8777% | 5,404 |
| Noncurrent loans to loans | 0.3795% | 6,523 |
| Net loans and leases to total assets | 64.6955% | 4,171 |
| Net loans and leases to deposits | 75.2570% | 4,536 |
| Net loans and leases to core deposits | 78.7360% | 4,929 |
| Total domestic deposits to total assets | 85.9661% | 3,172 |
| Equity capital to assets | 10.4095% | 3,332 |
| Core capital (leverage) ratio | 9.6076% | 3,632 |
| Tier 1 risk-based capital ratio | 14.1143% | 3,588 |
| Total risk-based capital ratio | 15.3717% | 3,543 |
| Memoranda: | ||
| Average total assets | $181,209,000 | 3,478 |
| Average earning assets | $165,317,500 | 3,475 |
| Average equity | $18,720,500 | 3,366 |
| Average total loans | $119,555,000 | 3,468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9766% | 1,958 |
| Cost of funding earning assets | 1.5449% | 5,309 |
| Net interest margin | 4.4318% | 1,338 |
| Noninterest income to average assets | 1.5993% | 563 |
| Noninterest expense to average assets | 4.2965% | 993 |
| Loan and lease loss provision to assets | 0.2590% | 5,328 |
| Net operating income to assets | 0.8322% | 2,405 |
| Return on assets (ROA) | 0.8461% | 2,450 |
| Pretax return on assets | 1.0885% | 2,285 |
| Return on Equity (ROE) | 8.5069% | 2,194 |
| Retained earnings to average equity (ytd only) | 2.8618% | 3,174 |
| Net charge-offs to loans | 0.2474% | 5,077 |
| Credit loss provision to net charge-offs | 160.3448% | 2,778 |
| Earnings coverage of net charge-offs (x) | 8.2310% | 1,973 |
| Efficiency ratio | 76.3663% | 3,464 |
| Assets per employee ($millions) | 2.2744% | 7,501 |
| Cash dividends to net income (ytd only)* | 66.3594% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 4,685 |
| Loan loss allowance to noncurrent loans | 168.0085% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 5,609 |
| Noncurrent loans to loans | 0.7814% | 5,711 |
| Net loans and leases to total assets | 65.5270% | 4,269 |
| Net loans and leases to deposits | 77.4465% | 4,480 |
| Net loans and leases to core deposits | 88.9838% | 5,224 |
| Total domestic deposits to total assets | 84.6093% | 3,753 |
| Equity capital to assets | 10.2529% | 3,456 |
| Core capital (leverage) ratio | 9.5107% | 3,703 |
| Tier 1 risk-based capital ratio | 13.7812% | 3,642 |
| Total risk-based capital ratio | 15.0319% | 3,578 |
| Memoranda: | ||
| Average total assets | $179,519,400 | 3,451 |
| Average earning assets | $163,118,200 | 3,462 |
| Average equity | $17,856,000 | 3,524 |
| Average total loans | $117,235,200 | 3,544 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9497% | 2,231 |
| Cost of funding earning assets | 1.6244% | 5,289 |
| Net interest margin | 4.3254% | 1,662 |
| Noninterest income to average assets | 1.6276% | 555 |
| Noninterest expense to average assets | 4.3380% | 871 |
| Loan and lease loss provision to assets | 0.1490% | 5,861 |
| Net operating income to assets | 0.7836% | 2,884 |
| Return on assets (ROA) | 0.7870% | 2,931 |
| Pretax return on assets | 1.0701% | 2,673 |
| Return on Equity (ROE) | 7.9743% | 2,649 |
| Retained earnings to average equity (ytd only) | 2.5222% | 3,914 |
| Net charge-offs to loans | 0.1547% | 5,166 |
| Credit loss provision to net charge-offs | 148.1481% | 3,261 |
| Earnings coverage of net charge-offs (x) | 12.0738% | 1,798 |
| Efficiency ratio | 78.1237% | 3,147 |
| Assets per employee ($millions) | 2.2386% | 7,571 |
| Cash dividends to net income (ytd only)* | 68.3713% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,827 |
| Loan loss allowance to noncurrent loans | 126.6953% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 5,483 |
| Noncurrent loans to loans | 0.9867% | 5,332 |
| Net loans and leases to total assets | 65.1067% | 4,627 |
| Net loans and leases to deposits | 76.0083% | 5,041 |
| Net loans and leases to core deposits | 87.9024% | 5,651 |
| Total domestic deposits to total assets | 85.6574% | 2,882 |
| Equity capital to assets | 10.1028% | 3,957 |
| Core capital (leverage) ratio | 9.2728% | 4,228 |
| Tier 1 risk-based capital ratio | 13.9482% | 3,578 |
| Total risk-based capital ratio | 15.1644% | 3,545 |
| Memoranda: | ||
| Average total assets | $178,912,250 | 3,483 |
| Average earning assets | $162,356,500 | 3,506 |
| Average equity | $17,656,250 | 3,585 |
| Average total loans | $116,341,250 | 3,587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8339% | 2,885 |
| Cost of funding earning assets | 1.7258% | 5,144 |
| Net interest margin | 4.1081% | 2,295 |
| Noninterest income to average assets | 1.6662% | 531 |
| Noninterest expense to average assets | 4.2772% | 978 |
| Loan and lease loss provision to assets | 0.2125% | 4,921 |
| Net operating income to assets | 0.6701% | 3,383 |
| Return on assets (ROA) | 0.6743% | 3,481 |
| Pretax return on assets | 0.8979% | 3,345 |
| Return on Equity (ROE) | 6.8872% | 3,255 |
| Retained earnings to average equity (ytd only) | 1.2792% | 4,629 |
| Net charge-offs to loans | 0.1883% | 4,378 |
| Credit loss provision to net charge-offs | 174.3119% | 2,634 |
| Earnings coverage of net charge-offs (x) | 9.0642% | 2,183 |
| Efficiency ratio | 79.4723% | 3,130 |
| Assets per employee ($millions) | 2.2752% | 7,588 |
| Cash dividends to net income (ytd only)* | 81.4262% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 4,231 |
| Loan loss allowance to noncurrent loans | 131.1072% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 5,483 |
| Noncurrent loans to loans | 0.9968% | 5,211 |
| Net loans and leases to total assets | 61.9012% | 5,374 |
| Net loans and leases to deposits | 71.6005% | 5,797 |
| Net loans and leases to core deposits | 83.7629% | 6,105 |
| Total domestic deposits to total assets | 86.4536% | 2,533 |
| Equity capital to assets | 9.6781% | 4,383 |
| Core capital (leverage) ratio | 9.2686% | 4,213 |
| Tier 1 risk-based capital ratio | 14.1896% | 3,409 |
| Total risk-based capital ratio | 15.4592% | 3,334 |
| Memoranda: | ||
| Average total assets | $178,853,330 | 3,502 |
| Average earning assets | $161,779,330 | 3,531 |
| Average equity | $17,510,670 | 3,614 |
| Average total loans | $115,763,330 | 3,630 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9082% | 2,760 |
| Cost of funding earning assets | 1.8480% | 4,886 |
| Net interest margin | 4.0602% | 2,426 |
| Noninterest income to average assets | 1.6382% | 510 |
| Noninterest expense to average assets | 4.3098% | 846 |
| Loan and lease loss provision to assets | 0.2821% | 3,702 |
| Net operating income to assets | 0.5430% | 4,248 |
| Return on assets (ROA) | 0.5483% | 4,406 |
| Pretax return on assets | 0.7018% | 4,434 |
| Return on Equity (ROE) | 5.5676% | 4,224 |
| Retained earnings to average equity (ytd only) | 0.2749% | 5,547 |
| Net charge-offs to loans | 0.1510% | 3,755 |
| Credit loss provision to net charge-offs | 284.0909% | 1,698 |
| Earnings coverage of net charge-offs (x) | 9.8409% | 2,012 |
| Efficiency ratio | 81.5194% | 2,604 |
| Assets per employee ($millions) | 2.2643% | 7,631 |
| Cash dividends to net income (ytd only)* | 95.0617% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 4,195 |
| Loan loss allowance to noncurrent loans | 58.6017% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 3,567 |
| Noncurrent loans to loans | 2.1850% | 3,003 |
| Net loans and leases to total assets | 64.3046% | 4,930 |
| Net loans and leases to deposits | 74.3938% | 5,434 |
| Net loans and leases to core deposits | 87.8266% | 5,758 |
| Total domestic deposits to total assets | 86.4381% | 2,485 |
| Equity capital to assets | 9.7773% | 4,266 |
| Core capital (leverage) ratio | 9.2846% | 4,265 |
| Tier 1 risk-based capital ratio | 13.8145% | 3,688 |
| Total risk-based capital ratio | 15.0572% | 3,615 |
| Memoranda: | ||
| Average total assets | $177,270,500 | 3,551 |
| Average earning assets | $159,304,000 | 3,585 |
| Average equity | $17,458,000 | 3,647 |
| Average total loans | $116,563,000 | 3,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3113% | 3,905 |
| Cost of funding earning assets | 2.1882% | 5,651 |
| Net interest margin | 4.1230% | 2,608 |
| Noninterest income to average assets | 1.5728% | 566 |
| Noninterest expense to average assets | 4.2172% | 1,131 |
| Loan and lease loss provision to assets | 0.3756% | 3,433 |
| Net operating income to assets | 0.6017% | 4,291 |
| Return on assets (ROA) | 0.6944% | 3,752 |
| Pretax return on assets | 0.8429% | 3,919 |
| Return on Equity (ROE) | 6.9197% | 3,573 |
| Retained earnings to average equity (ytd only) | 1.6456% | 4,223 |
| Net charge-offs to loans | 0.3645% | 3,014 |
| Credit loss provision to net charge-offs | 160.5392% | 3,216 |
| Earnings coverage of net charge-offs (x) | 4.7255% | 3,883 |
| Efficiency ratio | 79.2309% | 2,719 |
| Assets per employee ($millions) | 2.1164% | 7,806 |
| Cash dividends to net income (ytd only)* | 76.2180% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 4,456 |
| Loan loss allowance to noncurrent loans | 68.2632% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 3,512 |
| Noncurrent loans to loans | 1.7727% | 3,104 |
| Net loans and leases to total assets | 65.5780% | 4,938 |
| Net loans and leases to deposits | 75.8822% | 5,602 |
| Net loans and leases to core deposits | 90.8398% | 5,730 |
| Total domestic deposits to total assets | 86.4208% | 2,208 |
| Equity capital to assets | 9.9204% | 4,132 |
| Core capital (leverage) ratio | 9.4265% | 4,119 |
| Tier 1 risk-based capital ratio | 13.7173% | 3,683 |
| Total risk-based capital ratio | 14.8887% | 3,643 |
| Memoranda: | ||
| Average total assets | $174,403,000 | 3,487 |
| Average earning assets | $158,621,000 | 3,495 |
| Average equity | $17,500,800 | 3,647 |
| Average total loans | $111,938,000 | 3,638 |