Home > The Solomon State Bank > Performance and Condition Ratios
The Solomon 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 | 5.2250% | 1,618 |
| Cost of funding earning assets | 1.3304% | 2,427 |
| Net interest margin | 3.8946% | 1,390 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.7428% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0801% | 410 |
| Return on assets (ROA) | 2.0801% | 400 |
| Pretax return on assets | 2.1699% | 512 |
| Return on Equity (ROE) | 11.1700% | 2,181 |
| Retained earnings to average equity (ytd only) | 3.4446% | 3,145 |
| Net charge-offs to loans | -0.0787% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 44.5425% | 4,239 |
| Assets per employee ($millions) | 10.0671% | 693 |
| Cash dividends to net income (ytd only)* | 69.1754% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5492% | 76 |
| Loan loss allowance to noncurrent loans | 23,819.0476% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,347 |
| Noncurrent loans to loans | 0.0149% | 3,639 |
| Net loans and leases to total assets | 79.4300% | 710 |
| Net loans and leases to deposits | 99.5824% | 561 |
| Net loans and leases to core deposits | 108.5356% | 1,014 |
| Total domestic deposits to total assets | 79.7600% | 3,502 |
| Equity capital to assets | 19.4559% | 299 |
| Core capital (leverage) ratio | 19.3626% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $173,739,000 | 3,173 |
| Average earning assets | $169,723,000 | 3,092 |
| Average equity | $32,340,600 | 2,169 |
| Average total loans | $143,634,600 | 2,730 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 1,696 |
| Cost of funding earning assets | 1.2073% | 2,409 |
| Net interest margin | 3.8599% | 1,478 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.7929% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0215% | 488 |
| Return on assets (ROA) | 2.0215% | 479 |
| Pretax return on assets | 2.1041% | 652 |
| Return on Equity (ROE) | 10.9800% | 2,377 |
| Retained earnings to average equity (ytd only) | 2.2594% | 3,677 |
| Net charge-offs to loans | -0.0859% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.0075% | 4,136 |
| Assets per employee ($millions) | 10.0804% | 648 |
| Cash dividends to net income (ytd only)* | 79.4251% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4814% | 80 |
| Loan loss allowance to noncurrent loans | 7,117.1429% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,845 |
| Noncurrent loans to loans | 0.0489% | 3,404 |
| Net loans and leases to total assets | 80.6000% | 580 |
| Net loans and leases to deposits | 100.6339% | 482 |
| Net loans and leases to core deposits | 110.2164% | 865 |
| Total domestic deposits to total assets | 80.0900% | 3,516 |
| Equity capital to assets | 19.0142% | 312 |
| Core capital (leverage) ratio | 19.2711% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $174,388,500 | 3,180 |
| Average earning assets | $170,397,000 | 3,096 |
| Average equity | $32,101,500 | 2,167 |
| Average total loans | $144,310,250 | 2,724 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 1,673 |
| Cost of funding earning assets | 1.1108% | 2,249 |
| Net interest margin | 3.8312% | 1,562 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.8473% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9772% | 488 |
| Return on assets (ROA) | 1.9772% | 487 |
| Pretax return on assets | 2.0536% | 686 |
| Return on Equity (ROE) | 10.8600% | 2,460 |
| Retained earnings to average equity (ytd only) | 0.8391% | 3,939 |
| Net charge-offs to loans | -0.0981% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.3546% | 4,102 |
| Assets per employee ($millions) | 10.0082% | 671 |
| Cash dividends to net income (ytd only)* | 92.2722% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4486% | 97 |
| Loan loss allowance to noncurrent loans | 2,900.5848% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 2,577 |
| Noncurrent loans to loans | 0.1189% | 2,880 |
| Net loans and leases to total assets | 81.6200% | 462 |
| Net loans and leases to deposits | 102.4584% | 413 |
| Net loans and leases to core deposits | 113.0147% | 713 |
| Total domestic deposits to total assets | 79.6600% | 3,623 |
| Equity capital to assets | 18.8227% | 311 |
| Core capital (leverage) ratio | 18.5090% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $175,395,667 | 3,176 |
| Average earning assets | $171,226,000 | 3,094 |
| Average equity | $31,940,667 | 2,191 |
| Average total loans | $144,712,667 | 2,717 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7937% | 1,640 |
| Cost of funding earning assets | 0.9624% | 2,177 |
| Net interest margin | 3.8313% | 1,619 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.6919% | 4,205 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2559% | 341 |
| Return on assets (ROA) | 2.2559% | 341 |
| Pretax return on assets | 2.3210% | 467 |
| Return on Equity (ROE) | 12.5900% | 2,083 |
| Retained earnings to average equity (ytd only) | 5.0661% | 3,010 |
| Net charge-offs to loans | -0.0964% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.1613% | 4,385 |
| Assets per employee ($millions) | 10.4471% | 601 |
| Cash dividends to net income (ytd only)* | 59.7610% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4087% | 96 |
| Loan loss allowance to noncurrent loans | 2,781.9209% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,553 |
| Noncurrent loans to loans | 0.1225% | 2,901 |
| Net loans and leases to total assets | 78.5600% | 704 |
| Net loans and leases to deposits | 97.1529% | 585 |
| Net loans and leases to core deposits | 105.8408% | 842 |
| Total domestic deposits to total assets | 80.8700% | 3,653 |
| Equity capital to assets | 18.1356% | 295 |
| Core capital (leverage) ratio | 18.2939% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $178,023,500 | 3,194 |
| Average earning assets | $174,146,500 | 3,107 |
| Average equity | $31,898,500 | 2,218 |
| Average total loans | $145,155,000 | 2,751 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 1,243 |
| Cost of funding earning assets | 0.5933% | 928 |
| Net interest margin | 3.6083% | 1,623 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.5709% | 4,342 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.6460% | 610 |
| Return on assets (ROA) | 1.6460% | 577 |
| Pretax return on assets | 1.6993% | 917 |
| Return on Equity (ROE) | 9.8200% | 2,863 |
| Retained earnings to average equity (ytd only) | -0.0382% | 4,363 |
| Net charge-offs to loans | -0.0100% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.7565% | 4,437 |
| Assets per employee ($millions) | 9.9137% | 693 |
| Cash dividends to net income (ytd only)* | 100.3886% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3520% | 91 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,293 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.0000% | 694 |
| Net loans and leases to deposits | 97.7925% | 535 |
| Net loans and leases to core deposits | 104.7195% | 798 |
| Total domestic deposits to total assets | 80.7800% | 3,783 |
| Equity capital to assets | 17.7017% | 308 |
| Core capital (leverage) ratio | 17.7347% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $187,605,000 | 3,126 |
| Average earning assets | $183,883,000 | 3,044 |
| Average equity | $31,437,600 | 2,276 |
| Average total loans | $140,355,800 | 2,723 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 1,153 |
| Cost of funding earning assets | 0.5133% | 707 |
| Net interest margin | 3.5415% | 1,542 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 1.5594% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9126% | 336 |
| Return on assets (ROA) | 1.9126% | 333 |
| Pretax return on assets | 1.9674% | 499 |
| Return on Equity (ROE) | 11.5700% | 2,183 |
| Retained earnings to average equity (ytd only) | -1.5966% | 4,467 |
| Net charge-offs to loans | -0.0010% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.2166% | 4,459 |
| Assets per employee ($millions) | 10.1249% | 633 |
| Cash dividends to net income (ytd only)* | 113.8032% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9620% | 137 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,291 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 76.8700% | 819 |
| Net loans and leases to deposits | 97.7783% | 468 |
| Net loans and leases to core deposits | 103.6016% | 667 |
| Total domestic deposits to total assets | 78.6100% | 4,210 |
| Equity capital to assets | 17.0717% | 318 |
| Core capital (leverage) ratio | 17.4223% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,894,750 | 3,126 |
| Average earning assets | $186,245,750 | 3,047 |
| Average equity | $31,400,000 | 2,306 |
| Average total loans | $138,981,250 | 2,737 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8990% | 1,114 |
| Cost of funding earning assets | 0.4724% | 616 |
| Net interest margin | 3.4266% | 1,525 |
| Noninterest income to average assets | 0.0551% | 4,615 |
| Noninterest expense to average assets | 1.5433% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8374% | 309 |
| Return on assets (ROA) | 1.8374% | 304 |
| Pretax return on assets | 1.8738% | 494 |
| Return on Equity (ROE) | 11.2269% | 1,914 |
| Retained earnings to average equity (ytd only) | -5.2833% | 4,553 |
| Net charge-offs to loans | 0.0219% | 1,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 120.2000% | 735 |
| Efficiency ratio | 45.1642% | 4,488 |
| Assets per employee ($millions) | 10.2690% | 612 |
| Cash dividends to net income (ytd only)* | 147.0588% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0576% | 141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,394 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 73.0700% | 997 |
| Net loans and leases to deposits | 88.7027% | 794 |
| Net loans and leases to core deposits | 92.9853% | 974 |
| Total domestic deposits to total assets | 82.3763% | 3,958 |
| Equity capital to assets | 16.6926% | 296 |
| Core capital (leverage) ratio | 16.5921% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,443,333 | 3,143 |
| Average earning assets | $188,817,000 | 3,071 |
| Average equity | $31,495,667 | 2,345 |
| Average total loans | $137,187,667 | 2,769 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 1,237 |
| Cost of funding earning assets | 0.4837% | 542 |
| Net interest margin | 3.2367% | 1,762 |
| Noninterest income to average assets | 0.0611% | 4,633 |
| Noninterest expense to average assets | 1.3860% | 4,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8609% | 292 |
| Return on assets (ROA) | 1.8609% | 291 |
| Pretax return on assets | 1.8528% | 488 |
| Return on Equity (ROE) | 11.4785% | 1,466 |
| Retained earnings to average equity (ytd only) | -8.6372% | 4,536 |
| Net charge-offs to loans | 0.0970% | 532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 27.5455% | 1,170 |
| Efficiency ratio | 42.7942% | 4,590 |
| Assets per employee ($millions) | 10.9601% | 517 |
| Cash dividends to net income (ytd only)* | 175.2464% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1283% | 141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,492 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.5844% | 1,353 |
| Net loans and leases to deposits | 80.4497% | 1,110 |
| Net loans and leases to core deposits | 85.5330% | 1,159 |
| Total domestic deposits to total assets | 82.7653% | 3,969 |
| Equity capital to assets | 15.8514% | 327 |
| Core capital (leverage) ratio | 16.0999% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,244,000 | 3,131 |
| Average earning assets | $192,668,000 | 3,059 |
| Average equity | $31,816,000 | 2,397 |
| Average total loans | $136,119,500 | 2,781 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 1,427 |
| Cost of funding earning assets | 0.7003% | 324 |
| Net interest margin | 3.2724% | 2,402 |
| Noninterest income to average assets | 0.0581% | 4,710 |
| Noninterest expense to average assets | 1.3670% | 4,642 |
| Loan and lease loss provision to assets | 0.2005% | 537 |
| Net operating income to assets | 1.6126% | 774 |
| Return on assets (ROA) | 1.6126% | 809 |
| Pretax return on assets | 1.6998% | 1,146 |
| Return on Equity (ROE) | 10.1223% | 2,480 |
| Retained earnings to average equity (ytd only) | 0.2108% | 4,436 |
| Net charge-offs to loans | -0.0247% | 4,053 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8380% | 4,643 |
| Assets per employee ($millions) | 10.8448% | 529 |
| Cash dividends to net income (ytd only)* | 97.9173% | 236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1287% | 135 |
| Loan loss allowance to noncurrent loans | 8,906.2500% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,491 |
| Noncurrent loans to loans | 0.0351% | 3,826 |
| Net loans and leases to total assets | 67.8068% | 1,292 |
| Net loans and leases to deposits | 82.6241% | 1,007 |
| Net loans and leases to core deposits | 88.7586% | 1,032 |
| Total domestic deposits to total assets | 82.0666% | 3,957 |
| Equity capital to assets | 16.5774% | 321 |
| Core capital (leverage) ratio | 16.4421% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,491,200 | 3,068 |
| Average earning assets | $195,637,800 | 2,992 |
| Average equity | $31,781,400 | 2,433 |
| Average total loans | $141,633,000 | 2,710 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 1,547 |
| Cost of funding earning assets | 0.7461% | 313 |
| Net interest margin | 3.2468% | 2,590 |
| Noninterest income to average assets | 0.0618% | 4,775 |
| Noninterest expense to average assets | 1.3987% | 4,690 |
| Loan and lease loss provision to assets | 0.2658% | 329 |
| Net operating income to assets | 1.4964% | 1,282 |
| Return on assets (ROA) | 1.4964% | 1,326 |
| Pretax return on assets | 1.5822% | 1,760 |
| Return on Equity (ROE) | 9.4866% | 2,937 |
| Retained earnings to average equity (ytd only) | -3.7887% | 4,763 |
| Net charge-offs to loans | -0.0196% | 3,961 |
| Credit loss provision to net charge-offs | -1,904.7619% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0794% | 4,622 |
| Assets per employee ($millions) | 10.8847% | 492 |
| Cash dividends to net income (ytd only)* | 139.9378% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0559% | 144 |
| Loan loss allowance to noncurrent loans | 8,877.0833% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,595 |
| Noncurrent loans to loans | 0.0344% | 3,961 |
| Net loans and leases to total assets | 68.9932% | 1,192 |
| Net loans and leases to deposits | 83.6997% | 982 |
| Net loans and leases to core deposits | 90.2225% | 1,019 |
| Total domestic deposits to total assets | 82.4295% | 3,840 |
| Equity capital to assets | 16.0720% | 408 |
| Core capital (leverage) ratio | 15.7827% | 407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,562,500 | 3,095 |
| Average earning assets | $196,740,500 | 3,016 |
| Average equity | $31,636,750 | 2,472 |
| Average total loans | $142,881,750 | 2,738 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 1,602 |
| Cost of funding earning assets | 0.7788% | 318 |
| Net interest margin | 3.2049% | 2,737 |
| Noninterest income to average assets | 0.0663% | 4,799 |
| Noninterest expense to average assets | 1.4190% | 4,700 |
| Loan and lease loss provision to assets | 0.2969% | 288 |
| Net operating income to assets | 1.4042% | 1,552 |
| Return on assets (ROA) | 1.4042% | 1,617 |
| Pretax return on assets | 1.4942% | 2,032 |
| Return on Equity (ROE) | 8.9566% | 3,107 |
| Retained earnings to average equity (ytd only) | -7.7700% | 4,840 |
| Net charge-offs to loans | 0.0028% | 2,094 |
| Credit loss provision to net charge-offs | 15,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 905.0000% | 149 |
| Efficiency ratio | 44.2047% | 4,602 |
| Assets per employee ($millions) | 10.9948% | 459 |
| Cash dividends to net income (ytd only)* | 186.7512% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9165% | 166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,902 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.6007% | 1,246 |
| Net loans and leases to deposits | 84.5948% | 1,017 |
| Net loans and leases to core deposits | 91.7217% | 1,025 |
| Total domestic deposits to total assets | 82.2754% | 3,867 |
| Equity capital to assets | 15.7721% | 435 |
| Core capital (leverage) ratio | 15.3000% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,108,333 | 3,084 |
| Average earning assets | $198,258,333 | 2,995 |
| Average equity | $31,686,000 | 2,465 |
| Average total loans | $144,030,333 | 2,743 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 1,670 |
| Cost of funding earning assets | 0.7946% | 363 |
| Net interest margin | 3.1684% | 2,792 |
| Noninterest income to average assets | 0.0803% | 4,761 |
| Noninterest expense to average assets | 1.3516% | 4,782 |
| Loan and lease loss provision to assets | 0.3428% | 246 |
| Net operating income to assets | 1.4338% | 1,486 |
| Return on assets (ROA) | 1.4338% | 1,559 |
| Pretax return on assets | 1.4945% | 2,009 |
| Return on Equity (ROE) | 9.1724% | 2,973 |
| Retained earnings to average equity (ytd only) | -15.8887% | 4,886 |
| Net charge-offs to loans | -0.0303% | 4,173 |
| Credit loss provision to net charge-offs | -1,590.9091% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3833% | 4,655 |
| Assets per employee ($millions) | 10.2940% | 546 |
| Cash dividends to net income (ytd only)* | 273.2240% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7679% | 193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 4,021 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.6933% | 1,445 |
| Net loans and leases to deposits | 83.5233% | 1,193 |
| Net loans and leases to core deposits | 90.1146% | 1,225 |
| Total domestic deposits to total assets | 82.2444% | 3,842 |
| Equity capital to assets | 15.1764% | 473 |
| Core capital (leverage) ratio | 15.1585% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,209,500 | 3,051 |
| Average earning assets | $200,351,500 | 2,965 |
| Average equity | $31,922,000 | 2,443 |
| Average total loans | $145,104,500 | 2,741 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 1,686 |
| Cost of funding earning assets | 1.1469% | 341 |
| Net interest margin | 3.2155% | 3,316 |
| Noninterest income to average assets | 0.2027% | 4,256 |
| Noninterest expense to average assets | 1.4852% | 4,790 |
| Loan and lease loss provision to assets | 0.3461% | 1,006 |
| Net operating income to assets | 1.4639% | 890 |
| Return on assets (ROA) | 1.4639% | 969 |
| Pretax return on assets | 1.5123% | 1,295 |
| Return on Equity (ROE) | 8.7108% | 2,513 |
| Retained earnings to average equity (ytd only) | -5.7631% | 4,850 |
| Net charge-offs to loans | 0.3036% | 572 |
| Credit loss provision to net charge-offs | 154.1850% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.2797% | 2,616 |
| Efficiency ratio | 44.4182% | 4,773 |
| Assets per employee ($millions) | 10.1270% | 507 |
| Cash dividends to net income (ytd only)* | 166.1601% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6527% | 210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,069 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.5754% | 1,613 |
| Net loans and leases to deposits | 85.5459% | 1,289 |
| Net loans and leases to core deposits | 92.3374% | 1,358 |
| Total domestic deposits to total assets | 81.3311% | 3,798 |
| Equity capital to assets | 16.0951% | 417 |
| Core capital (leverage) ratio | 15.8549% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,268,200 | 2,921 |
| Average earning assets | $197,575,800 | 2,847 |
| Average equity | $33,992,400 | 2,291 |
| Average total loans | $149,536,400 | 2,667 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,800 |
| Cost of funding earning assets | 1.2200% | 348 |
| Net interest margin | 3.2001% | 3,494 |
| Noninterest income to average assets | 0.2235% | 4,154 |
| Noninterest expense to average assets | 1.5654% | 4,758 |
| Loan and lease loss provision to assets | 0.2310% | 1,758 |
| Net operating income to assets | 1.5153% | 882 |
| Return on assets (ROA) | 1.5153% | 955 |
| Pretax return on assets | 1.5509% | 1,328 |
| Return on Equity (ROE) | 8.9221% | 2,426 |
| Retained earnings to average equity (ytd only) | -2.4150% | 4,731 |
| Net charge-offs to loans | 0.3945% | 403 |
| Credit loss provision to net charge-offs | 78.4753% | 2,769 |
| Earnings coverage of net charge-offs (x) | 6.0583% | 2,681 |
| Efficiency ratio | 46.7691% | 4,674 |
| Assets per employee ($millions) | 10.0766% | 496 |
| Cash dividends to net income (ytd only)* | 127.0670% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 279 |
| Loan loss allowance to noncurrent loans | 16,657.1429% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 3,877 |
| Noncurrent loans to loans | 0.0142% | 4,387 |
| Net loans and leases to total assets | 71.8609% | 1,688 |
| Net loans and leases to deposits | 89.3930% | 1,332 |
| Net loans and leases to core deposits | 97.0787% | 1,374 |
| Total domestic deposits to total assets | 80.3876% | 3,784 |
| Equity capital to assets | 16.8783% | 389 |
| Core capital (leverage) ratio | 16.7611% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,200,250 | 2,903 |
| Average earning assets | $197,366,000 | 2,832 |
| Average equity | $34,340,750 | 2,252 |
| Average total loans | $150,731,000 | 2,661 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 2,022 |
| Cost of funding earning assets | 1.2836% | 388 |
| Net interest margin | 3.1792% | 3,724 |
| Noninterest income to average assets | 0.1739% | 4,422 |
| Noninterest expense to average assets | 1.5216% | 4,832 |
| Loan and lease loss provision to assets | 0.2470% | 1,707 |
| Net operating income to assets | 1.4919% | 939 |
| Return on assets (ROA) | 1.4919% | 1,015 |
| Pretax return on assets | 1.5107% | 1,428 |
| Return on Equity (ROE) | 8.7665% | 2,465 |
| Retained earnings to average equity (ytd only) | -6.3281% | 4,826 |
| Net charge-offs to loans | 0.7206% | 216 |
| Credit loss provision to net charge-offs | 45.7875% | 2,641 |
| Earnings coverage of net charge-offs (x) | 3.2582% | 2,693 |
| Efficiency ratio | 46.3995% | 4,710 |
| Assets per employee ($millions) | 10.0456% | 491 |
| Cash dividends to net income (ytd only)* | 172.1854% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2026% | 330 |
| Loan loss allowance to noncurrent loans | 17,357.8947% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 3,746 |
| Noncurrent loans to loans | 0.0127% | 4,459 |
| Net loans and leases to total assets | 72.8841% | 1,572 |
| Net loans and leases to deposits | 91.0189% | 1,264 |
| Net loans and leases to core deposits | 99.3298% | 1,311 |
| Total domestic deposits to total assets | 80.0759% | 3,820 |
| Equity capital to assets | 16.7327% | 398 |
| Core capital (leverage) ratio | 16.4026% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,423,333 | 2,884 |
| Average earning assets | $197,721,333 | 2,803 |
| Average equity | $34,449,333 | 2,240 |
| Average total loans | $151,534,667 | 2,643 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5489% | 2,160 |
| Cost of funding earning assets | 1.3544% | 479 |
| Net interest margin | 3.1945% | 3,872 |
| Noninterest income to average assets | 0.0768% | 4,904 |
| Noninterest expense to average assets | 1.5947% | 4,860 |
| Loan and lease loss provision to assets | 0.1969% | 1,538 |
| Net operating income to assets | 1.4411% | 901 |
| Return on assets (ROA) | 1.4411% | 973 |
| Pretax return on assets | 1.4057% | 1,545 |
| Return on Equity (ROE) | 8.3981% | 2,346 |
| Retained earnings to average equity (ytd only) | 8.3981% | 1,124 |
| Net charge-offs to loans | 0.1942% | 701 |
| Credit loss provision to net charge-offs | 135.1351% | 1,641 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,742 |
| Efficiency ratio | 49.8768% | 4,674 |
| Assets per employee ($millions) | 10.0749% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 297 |
| Loan loss allowance to noncurrent loans | 416.2069% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9568% | 1,394 |
| Noncurrent loans to loans | 0.5694% | 2,570 |
| Net loans and leases to total assets | 74.0368% | 1,596 |
| Net loans and leases to deposits | 93.9569% | 1,083 |
| Net loans and leases to core deposits | 102.8621% | 1,254 |
| Total domestic deposits to total assets | 78.7987% | 4,087 |
| Equity capital to assets | 17.5561% | 390 |
| Core capital (leverage) ratio | 17.0066% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,179,000 | 2,840 |
| Average earning assets | $198,463,500 | 2,756 |
| Average equity | $34,865,000 | 2,209 |
| Average total loans | $152,436,500 | 2,617 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 2,122 |
| Cost of funding earning assets | 1.4443% | 476 |
| Net interest margin | 3.3305% | 3,916 |
| Noninterest income to average assets | 0.1413% | 4,769 |
| Noninterest expense to average assets | 1.5838% | 4,957 |
| Loan and lease loss provision to assets | 0.2765% | 637 |
| Net operating income to assets | 1.4390% | 1,223 |
| Return on assets (ROA) | 1.4390% | 1,285 |
| Pretax return on assets | 1.5124% | 1,770 |
| Return on Equity (ROE) | 8.4519% | 2,961 |
| Retained earnings to average equity (ytd only) | 4.7605% | 2,553 |
| Net charge-offs to loans | -0.0940% | 4,946 |
| Credit loss provision to net charge-offs | -374.1497% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9589% | 4,874 |
| Assets per employee ($millions) | 10.2431% | 339 |
| Cash dividends to net income (ytd only)* | 43.6758% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3634% | 258 |
| Loan loss allowance to noncurrent loans | 205.4889% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1618% | 1,025 |
| Noncurrent loans to loans | 1.1501% | 1,313 |
| Net loans and leases to total assets | 72.4765% | 2,015 |
| Net loans and leases to deposits | 92.0839% | 1,359 |
| Net loans and leases to core deposits | 100.2261% | 1,543 |
| Total domestic deposits to total assets | 78.7070% | 4,242 |
| Equity capital to assets | 16.7699% | 497 |
| Core capital (leverage) ratio | 16.6948% | 450 |
| Tier 1 risk-based capital ratio | 30.8576% | 445 |
| Total risk-based capital ratio | 32.1325% | 439 |
| Memoranda: | ||
| Average total assets | $198,888,200 | 2,848 |
| Average earning assets | $192,971,800 | 2,772 |
| Average equity | $33,862,200 | 2,196 |
| Average total loans | $156,383,200 | 2,554 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 2,037 |
| Cost of funding earning assets | 1.4458% | 488 |
| Net interest margin | 3.3823% | 3,906 |
| Noninterest income to average assets | 0.1655% | 4,724 |
| Noninterest expense to average assets | 1.6825% | 4,942 |
| Loan and lease loss provision to assets | 0.2026% | 870 |
| Net operating income to assets | 1.4894% | 1,216 |
| Return on assets (ROA) | 1.4894% | 1,273 |
| Pretax return on assets | 1.5542% | 1,800 |
| Return on Equity (ROE) | 8.7137% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.7137% | 1,129 |
| Net charge-offs to loans | 0.0542% | 2,057 |
| Credit loss provision to net charge-offs | 468.7500% | 666 |
| Earnings coverage of net charge-offs (x) | 40.6412% | 1,366 |
| Efficiency ratio | 48.9199% | 4,802 |
| Assets per employee ($millions) | 10.1525% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0158% | 454 |
| Loan loss allowance to noncurrent loans | 590.0188% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.5023% | 2,516 |
| Noncurrent loans to loans | 0.3416% | 3,310 |
| Net loans and leases to total assets | 75.0031% | 1,648 |
| Net loans and leases to deposits | 96.1245% | 1,002 |
| Net loans and leases to core deposits | 104.0473% | 1,319 |
| Total domestic deposits to total assets | 78.0270% | 4,337 |
| Equity capital to assets | 17.2170% | 466 |
| Core capital (leverage) ratio | 16.7490% | 470 |
| Tier 1 risk-based capital ratio | 30.7860% | 457 |
| Total risk-based capital ratio | 32.0548% | 451 |
| Memoranda: | ||
| Average total assets | $197,395,000 | 2,885 |
| Average earning assets | $191,071,250 | 2,807 |
| Average equity | $33,739,000 | 2,219 |
| Average total loans | $157,461,500 | 2,564 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 2,011 |
| Cost of funding earning assets | 1.4168% | 502 |
| Net interest margin | 3.3991% | 3,901 |
| Noninterest income to average assets | 0.2128% | 4,467 |
| Noninterest expense to average assets | 1.7114% | 4,969 |
| Loan and lease loss provision to assets | 0.2813% | 521 |
| Net operating income to assets | 1.4434% | 1,316 |
| Return on assets (ROA) | 1.4434% | 1,363 |
| Pretax return on assets | 1.5038% | 1,848 |
| Return on Equity (ROE) | 8.4663% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.4663% | 1,218 |
| Net charge-offs to loans | 0.2782% | 610 |
| Credit loss provision to net charge-offs | 125.0000% | 1,685 |
| Earnings coverage of net charge-offs (x) | 7.9318% | 2,451 |
| Efficiency ratio | 48.9468% | 4,846 |
| Assets per employee ($millions) | 9.5527% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 597 |
| Loan loss allowance to noncurrent loans | 2,439.6694% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,256 |
| Noncurrent loans to loans | 0.0767% | 4,334 |
| Net loans and leases to total assets | 81.0063% | 733 |
| Net loans and leases to deposits | 104.9589% | 381 |
| Net loans and leases to core deposits | 114.4974% | 758 |
| Total domestic deposits to total assets | 77.1791% | 4,544 |
| Equity capital to assets | 17.8579% | 395 |
| Core capital (leverage) ratio | 17.4520% | 388 |
| Tier 1 risk-based capital ratio | 30.0416% | 480 |
| Total risk-based capital ratio | 31.3087% | 474 |
| Memoranda: | ||
| Average total assets | $195,510,330 | 2,907 |
| Average earning assets | $188,873,330 | 2,834 |
| Average equity | $33,332,330 | 2,233 |
| Average total loans | $158,140,000 | 2,566 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 2,016 |
| Cost of funding earning assets | 1.3967% | 465 |
| Net interest margin | 3.3685% | 3,982 |
| Noninterest income to average assets | 0.1032% | 5,065 |
| Noninterest expense to average assets | 1.8712% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4120% | 1,345 |
| Return on assets (ROA) | 1.4120% | 1,372 |
| Pretax return on assets | 1.4666% | 1,875 |
| Return on Equity (ROE) | 8.4761% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.4761% | 1,499 |
| Net charge-offs to loans | 0.0051% | 2,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 362.5000% | 222 |
| Efficiency ratio | 56.0606% | 4,327 |
| Assets per employee ($millions) | 9.8652% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 657 |
| Loan loss allowance to noncurrent loans | 423.2456% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 2.3527% | 350 |
| Noncurrent loans to loans | 0.4340% | 3,026 |
| Net loans and leases to total assets | 78.4180% | 1,084 |
| Net loans and leases to deposits | 100.6925% | 582 |
| Net loans and leases to core deposits | 110.1593% | 922 |
| Total domestic deposits to total assets | 77.8787% | 4,538 |
| Equity capital to assets | 16.8943% | 457 |
| Core capital (leverage) ratio | 16.7095% | 454 |
| Tier 1 risk-based capital ratio | 28.0938% | 553 |
| Total risk-based capital ratio | 29.3581% | 540 |
| Memoranda: | ||
| Average total assets | $197,739,000 | 2,922 |
| Average earning assets | $189,877,000 | 2,854 |
| Average equity | $32,939,500 | 2,255 |
| Average total loans | $158,351,500 | 2,580 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 1,978 |
| Cost of funding earning assets | 1.0987% | 496 |
| Net interest margin | 3.5554% | 3,526 |
| Noninterest income to average assets | 0.0990% | 5,152 |
| Noninterest expense to average assets | 1.2428% | 5,314 |
| Loan and lease loss provision to assets | 1.4166% | 49 |
| Net operating income to assets | 0.8605% | 3,576 |
| Return on assets (ROA) | 0.8605% | 3,570 |
| Pretax return on assets | 0.8987% | 3,900 |
| Return on Equity (ROE) | 5.8578% | 4,219 |
| Retained earnings to average equity (ytd only) | -4.8456% | 5,243 |
| Net charge-offs to loans | 3.2788% | 31 |
| Credit loss provision to net charge-offs | 50.8108% | 3,178 |
| Earnings coverage of net charge-offs (x) | 0.8305% | 3,671 |
| Efficiency ratio | 34.9287% | 5,333 |
| Assets per employee ($millions) | 9.9088% | 352 |
| Cash dividends to net income (ytd only)* | 182.7204% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8210% | 657 |
| Loan loss allowance to noncurrent loans | 183.1226% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7955% | 248 |
| Noncurrent loans to loans | 0.9944% | 1,633 |
| Net loans and leases to total assets | 78.8142% | 1,136 |
| Net loans and leases to deposits | 101.1403% | 658 |
| Net loans and leases to core deposits | 111.0779% | 937 |
| Total domestic deposits to total assets | 77.9256% | 4,504 |
| Equity capital to assets | 16.4229% | 477 |
| Core capital (leverage) ratio | 16.8242% | 425 |
| Tier 1 risk-based capital ratio | 27.1041% | 609 |
| Total risk-based capital ratio | 28.3685% | 597 |
| Memoranda: | ||
| Average total assets | $199,074,200 | 2,881 |
| Average earning assets | $193,678,400 | 2,782 |
| Average equity | $29,243,200 | 2,377 |
| Average total loans | $169,271,400 | 2,444 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 1,508 |
| Cost of funding earning assets | 1.0219% | 544 |
| Net interest margin | 3.7434% | 2,855 |
| Noninterest income to average assets | 0.0970% | 5,223 |
| Noninterest expense to average assets | 1.4316% | 5,312 |
| Loan and lease loss provision to assets | 0.2676% | 571 |
| Net operating income to assets | 1.9648% | 417 |
| Return on assets (ROA) | 1.9648% | 412 |
| Pretax return on assets | 2.0518% | 547 |
| Return on Equity (ROE) | 13.7799% | 1,177 |
| Retained earnings to average equity (ytd only) | -0.9055% | 5,130 |
| Net charge-offs to loans | 0.4361% | 363 |
| Credit loss provision to net charge-offs | 71.1744% | 2,626 |
| Earnings coverage of net charge-offs (x) | 6.1691% | 2,908 |
| Efficiency ratio | 38.1666% | 5,366 |
| Assets per employee ($millions) | 9.9458% | 341 |
| Cash dividends to net income (ytd only)* | 106.5714% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1625% | 119 |
| Loan loss allowance to noncurrent loans | 3,480.8917% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,762 |
| Noncurrent loans to loans | 0.0909% | 4,479 |
| Net loans and leases to total assets | 84.1255% | 446 |
| Net loans and leases to deposits | 110.6154% | 270 |
| Net loans and leases to core deposits | 121.2566% | 537 |
| Total domestic deposits to total assets | 76.0522% | 4,784 |
| Equity capital to assets | 14.4523% | 838 |
| Core capital (leverage) ratio | 14.8441% | 737 |
| Tier 1 risk-based capital ratio | 22.2881% | 1,012 |
| Total risk-based capital ratio | 23.5749% | 984 |
| Memoranda: | ||
| Average total assets | $199,299,000 | 2,895 |
| Average earning assets | $194,539,750 | 2,787 |
| Average equity | $28,417,500 | 2,437 |
| Average total loans | $171,817,500 | 2,435 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,457 |
| Cost of funding earning assets | 0.9497% | 586 |
| Net interest margin | 3.7699% | 2,670 |
| Noninterest income to average assets | 0.1013% | 5,267 |
| Noninterest expense to average assets | 1.4331% | 5,377 |
| Loan and lease loss provision to assets | 0.4011% | 307 |
| Net operating income to assets | 1.8633% | 510 |
| Return on assets (ROA) | 1.8633% | 510 |
| Pretax return on assets | 1.9456% | 696 |
| Return on Equity (ROE) | 13.1273% | 1,328 |
| Retained earnings to average equity (ytd only) | -6.1609% | 5,336 |
| Net charge-offs to loans | 0.2752% | 580 |
| Credit loss provision to net charge-offs | 169.4915% | 1,457 |
| Earnings coverage of net charge-offs (x) | 9.9153% | 2,362 |
| Efficiency ratio | 37.9146% | 5,431 |
| Assets per employee ($millions) | 10.0371% | 311 |
| Cash dividends to net income (ytd only)* | 146.9322% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3573% | 96 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,418 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.0428% | 574 |
| Net loans and leases to deposits | 104.9437% | 484 |
| Net loans and leases to core deposits | 115.3129% | 731 |
| Total domestic deposits to total assets | 79.1308% | 4,408 |
| Equity capital to assets | 13.9877% | 931 |
| Core capital (leverage) ratio | 14.3921% | 806 |
| Tier 1 risk-based capital ratio | 21.9606% | 1,038 |
| Total risk-based capital ratio | 23.2513% | 1,019 |
| Memoranda: | ||
| Average total assets | $199,426,670 | 2,900 |
| Average earning assets | $194,593,330 | 2,805 |
| Average equity | $28,307,330 | 2,454 |
| Average total loans | $171,488,670 | 2,441 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 1,391 |
| Cost of funding earning assets | 0.9176% | 548 |
| Net interest margin | 3.7488% | 2,618 |
| Noninterest income to average assets | 0.0986% | 5,338 |
| Noninterest expense to average assets | 1.4831% | 5,407 |
| Loan and lease loss provision to assets | 0.5031% | 206 |
| Net operating income to assets | 1.6984% | 691 |
| Return on assets (ROA) | 1.6984% | 700 |
| Pretax return on assets | 1.7709% | 964 |
| Return on Equity (ROE) | 11.8783% | 1,622 |
| Retained earnings to average equity (ytd only) | -15.2842% | 5,460 |
| Net charge-offs to loans | 0.4070% | 386 |
| Credit loss provision to net charge-offs | 143.6782% | 1,256 |
| Earnings coverage of net charge-offs (x) | 6.4943% | 2,156 |
| Efficiency ratio | 39.4751% | 5,470 |
| Assets per employee ($millions) | 10.4272% | 278 |
| Cash dividends to net income (ytd only)* | 228.6730% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3240% | 105 |
| Loan loss allowance to noncurrent loans | 10,005.2632% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 3,371 |
| Noncurrent loans to loans | 0.0332% | 4,823 |
| Net loans and leases to total assets | 83.7232% | 463 |
| Net loans and leases to deposits | 103.7803% | 487 |
| Net loans and leases to core deposits | 113.6665% | 819 |
| Total domestic deposits to total assets | 80.6734% | 4,280 |
| Equity capital to assets | 14.0690% | 873 |
| Core capital (leverage) ratio | 14.3137% | 805 |
| Tier 1 risk-based capital ratio | 22.2524% | 1,020 |
| Total risk-based capital ratio | 23.5432% | 996 |
| Memoranda: | ||
| Average total assets | $198,769,500 | 2,943 |
| Average earning assets | $193,984,000 | 2,836 |
| Average equity | $28,421,500 | 2,471 |
| Average total loans | $170,987,000 | 2,462 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 1,195 |
| Cost of funding earning assets | 0.8895% | 397 |
| Net interest margin | 3.8100% | 2,383 |
| Noninterest income to average assets | 0.1229% | 5,331 |
| Noninterest expense to average assets | 1.4966% | 5,477 |
| Loan and lease loss provision to assets | 0.3954% | 376 |
| Net operating income to assets | 1.8429% | 378 |
| Return on assets (ROA) | 1.8429% | 384 |
| Pretax return on assets | 1.9253% | 576 |
| Return on Equity (ROE) | 12.9152% | 970 |
| Retained earnings to average equity (ytd only) | 2.6539% | 3,737 |
| Net charge-offs to loans | 0.5183% | 450 |
| Credit loss provision to net charge-offs | 88.7628% | 2,812 |
| Earnings coverage of net charge-offs (x) | 5.2100% | 3,362 |
| Efficiency ratio | 39.2053% | 5,538 |
| Assets per employee ($millions) | 9.9712% | 323 |
| Cash dividends to net income (ytd only)* | 79.4513% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3022% | 102 |
| Loan loss allowance to noncurrent loans | 4,689.1667% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,859 |
| Noncurrent loans to loans | 0.0704% | 4,684 |
| Net loans and leases to total assets | 82.6259% | 606 |
| Net loans and leases to deposits | 102.4077% | 580 |
| Net loans and leases to core deposits | 111.6763% | 917 |
| Total domestic deposits to total assets | 80.6833% | 4,195 |
| Equity capital to assets | 14.5269% | 773 |
| Core capital (leverage) ratio | 14.9200% | 636 |
| Tier 1 risk-based capital ratio | 22.9607% | 914 |
| Total risk-based capital ratio | 24.2505% | 893 |
| Memoranda: | ||
| Average total assets | $197,787,000 | 2,940 |
| Average earning assets | $191,785,600 | 2,847 |
| Average equity | $28,222,600 | 2,477 |
| Average total loans | $169,975,600 | 2,418 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 1,095 |
| Cost of funding earning assets | 0.8828% | 385 |
| Net interest margin | 3.8356% | 2,260 |
| Noninterest income to average assets | 0.1216% | 5,393 |
| Noninterest expense to average assets | 1.4800% | 5,534 |
| Loan and lease loss provision to assets | 0.4053% | 330 |
| Net operating income to assets | 1.8657% | 419 |
| Return on assets (ROA) | 1.8657% | 424 |
| Pretax return on assets | 1.9488% | 608 |
| Return on Equity (ROE) | 13.1353% | 1,025 |
| Retained earnings to average equity (ytd only) | -0.6373% | 5,309 |
| Net charge-offs to loans | 0.3563% | 595 |
| Credit loss provision to net charge-offs | 132.1586% | 1,868 |
| Earnings coverage of net charge-offs (x) | 7.6762% | 2,852 |
| Efficiency ratio | 38.6011% | 5,610 |
| Assets per employee ($millions) | 9.6653% | 353 |
| Cash dividends to net income (ytd only)* | 104.8518% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5103% | 92 |
| Loan loss allowance to noncurrent loans | 20,971.4286% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,011 |
| Noncurrent loans to loans | 0.0167% | 5,066 |
| Net loans and leases to total assets | 83.4981% | 487 |
| Net loans and leases to deposits | 103.3475% | 532 |
| Net loans and leases to core deposits | 112.7168% | 898 |
| Total domestic deposits to total assets | 80.7936% | 4,103 |
| Equity capital to assets | 14.5330% | 847 |
| Core capital (leverage) ratio | 14.6229% | 738 |
| Tier 1 risk-based capital ratio | 22.6190% | 982 |
| Total risk-based capital ratio | 23.9118% | 962 |
| Memoranda: | ||
| Average total assets | $197,378,000 | 2,971 |
| Average earning assets | $191,047,750 | 2,878 |
| Average equity | $28,035,750 | 2,502 |
| Average total loans | $169,869,000 | 2,438 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,078 |
| Cost of funding earning assets | 0.8739% | 359 |
| Net interest margin | 3.8159% | 2,231 |
| Noninterest income to average assets | 0.1359% | 5,373 |
| Noninterest expense to average assets | 1.4512% | 5,603 |
| Loan and lease loss provision to assets | 0.2013% | 912 |
| Net operating income to assets | 2.0741% | 267 |
| Return on assets (ROA) | 2.0741% | 273 |
| Pretax return on assets | 2.1657% | 379 |
| Return on Equity (ROE) | 14.7127% | 705 |
| Retained earnings to average equity (ytd only) | -2.7626% | 5,407 |
| Net charge-offs to loans | 0.1945% | 1,037 |
| Credit loss provision to net charge-offs | 120.4819% | 1,770 |
| Earnings coverage of net charge-offs (x) | 14.1687% | 2,090 |
| Efficiency ratio | 38.0074% | 5,662 |
| Assets per employee ($millions) | 9.9200% | 309 |
| Cash dividends to net income (ytd only)* | 118.7773% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3735% | 116 |
| Loan loss allowance to noncurrent loans | 3,096.7742% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 4,137 |
| Noncurrent loans to loans | 0.1089% | 4,685 |
| Net loans and leases to total assets | 83.1567% | 530 |
| Net loans and leases to deposits | 103.7642% | 506 |
| Net loans and leases to core deposits | 112.3045% | 893 |
| Total domestic deposits to total assets | 80.1400% | 4,376 |
| Equity capital to assets | 14.0308% | 955 |
| Core capital (leverage) ratio | 14.3401% | 774 |
| Tier 1 risk-based capital ratio | 22.5376% | 989 |
| Total risk-based capital ratio | 23.8294% | 970 |
| Memoranda: | ||
| Average total assets | $198,735,670 | 2,977 |
| Average earning assets | $191,776,000 | 2,887 |
| Average equity | $28,016,670 | 2,504 |
| Average total loans | $170,732,670 | 2,434 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 1,037 |
| Cost of funding earning assets | 0.8650% | 346 |
| Net interest margin | 3.7809% | 2,182 |
| Noninterest income to average assets | 0.1227% | 5,501 |
| Noninterest expense to average assets | 1.4721% | 5,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2282% | 217 |
| Return on assets (ROA) | 2.2282% | 222 |
| Pretax return on assets | 2.3247% | 288 |
| Return on Equity (ROE) | 15.7686% | 556 |
| Retained earnings to average equity (ytd only) | -3.4156% | 5,289 |
| Net charge-offs to loans | 0.1335% | 1,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 20.2807% | 1,488 |
| Efficiency ratio | 38.7712% | 5,712 |
| Assets per employee ($millions) | 10.0129% | 304 |
| Cash dividends to net income (ytd only)* | 121.6606% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2983% | 134 |
| Loan loss allowance to noncurrent loans | 1,692.2388% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 3,652 |
| Noncurrent loans to loans | 0.1949% | 4,420 |
| Net loans and leases to total assets | 82.9974% | 462 |
| Net loans and leases to deposits | 103.2572% | 435 |
| Net loans and leases to core deposits | 112.4188% | 754 |
| Total domestic deposits to total assets | 80.3793% | 4,548 |
| Equity capital to assets | 13.9745% | 908 |
| Core capital (leverage) ratio | 14.2195% | 785 |
| Tier 1 risk-based capital ratio | 22.8695% | 995 |
| Total risk-based capital ratio | 24.1611% | 967 |
| Memoranda: | ||
| Average total assets | $198,904,000 | 3,005 |
| Average earning assets | $193,286,500 | 2,896 |
| Average equity | $28,106,500 | 2,505 |
| Average total loans | $170,728,000 | 2,455 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7379% | 986 |
| Cost of funding earning assets | 0.8834% | 324 |
| Net interest margin | 3.8545% | 2,118 |
| Noninterest income to average assets | 0.1970% | 5,233 |
| Noninterest expense to average assets | 1.4358% | 5,756 |
| Loan and lease loss provision to assets | 0.5647% | 234 |
| Net operating income to assets | 1.8642% | 397 |
| Return on assets (ROA) | 1.8642% | 409 |
| Pretax return on assets | 1.9497% | 561 |
| Return on Equity (ROE) | 13.4216% | 900 |
| Retained earnings to average equity (ytd only) | 1.0352% | 4,903 |
| Net charge-offs to loans | 0.4121% | 640 |
| Credit loss provision to net charge-offs | 159.4101% | 1,728 |
| Earnings coverage of net charge-offs (x) | 7.0983% | 3,074 |
| Efficiency ratio | 36.3476% | 5,825 |
| Assets per employee ($millions) | 9.8775% | 314 |
| Cash dividends to net income (ytd only)* | 92.2872% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3766% | 122 |
| Loan loss allowance to noncurrent loans | 6,292.3077% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 4,172 |
| Noncurrent loans to loans | 0.0537% | 5,031 |
| Net loans and leases to total assets | 82.9420% | 485 |
| Net loans and leases to deposits | 100.8506% | 614 |
| Net loans and leases to core deposits | 105.9961% | 1,130 |
| Total domestic deposits to total assets | 82.2425% | 4,010 |
| Equity capital to assets | 14.2890% | 797 |
| Core capital (leverage) ratio | 14.2191% | 755 |
| Tier 1 risk-based capital ratio | 23.4170% | 924 |
| Total risk-based capital ratio | 24.7101% | 910 |
| Memoranda: | ||
| Average total assets | $201,001,200 | 2,942 |
| Average earning assets | $195,719,600 | 2,842 |
| Average equity | $27,917,600 | 2,515 |
| Average total loans | $172,780,800 | 2,388 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 995 |
| Cost of funding earning assets | 0.8816% | 317 |
| Net interest margin | 3.8595% | 2,120 |
| Noninterest income to average assets | 0.1922% | 5,312 |
| Noninterest expense to average assets | 1.4696% | 5,780 |
| Loan and lease loss provision to assets | 0.6836% | 163 |
| Net operating income to assets | 1.7259% | 568 |
| Return on assets (ROA) | 1.7259% | 598 |
| Pretax return on assets | 1.8038% | 895 |
| Return on Equity (ROE) | 12.5140% | 1,167 |
| Retained earnings to average equity (ytd only) | -1.6044% | 5,566 |
| Net charge-offs to loans | 0.4025% | 533 |
| Credit loss provision to net charge-offs | 197.5191% | 1,456 |
| Earnings coverage of net charge-offs (x) | 7.1870% | 2,905 |
| Efficiency ratio | 37.1390% | 5,878 |
| Assets per employee ($millions) | 9.5753% | 342 |
| Cash dividends to net income (ytd only)* | 112.8207% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3610% | 129 |
| Loan loss allowance to noncurrent loans | 1,628.5714% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 3,176 |
| Noncurrent loans to loans | 0.2064% | 4,532 |
| Net loans and leases to total assets | 83.1347% | 497 |
| Net loans and leases to deposits | 100.9895% | 640 |
| Net loans and leases to core deposits | 110.0666% | 907 |
| Total domestic deposits to total assets | 82.3201% | 3,835 |
| Equity capital to assets | 13.7298% | 1,151 |
| Core capital (leverage) ratio | 13.7733% | 922 |
| Tier 1 risk-based capital ratio | 21.5681% | 1,185 |
| Total risk-based capital ratio | 22.8588% | 1,163 |
| Memoranda: | ||
| Average total assets | $201,864,000 | 2,944 |
| Average earning assets | $196,912,250 | 2,831 |
| Average equity | $27,840,000 | 2,536 |
| Average total loans | $173,581,500 | 2,381 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 976 |
| Cost of funding earning assets | 0.8694% | 337 |
| Net interest margin | 3.8680% | 2,092 |
| Noninterest income to average assets | 0.2207% | 5,169 |
| Noninterest expense to average assets | 1.4803% | 5,850 |
| Loan and lease loss provision to assets | 0.8955% | 113 |
| Net operating income to assets | 1.5485% | 808 |
| Return on assets (ROA) | 1.5485% | 850 |
| Pretax return on assets | 1.6178% | 1,313 |
| Return on Equity (ROE) | 11.2117% | 1,567 |
| Retained earnings to average equity (ytd only) | -6.6983% | 5,807 |
| Net charge-offs to loans | 0.5444% | 387 |
| Credit loss provision to net charge-offs | 191.3319% | 1,345 |
| Earnings coverage of net charge-offs (x) | 5.3700% | 2,867 |
| Efficiency ratio | 37.0664% | 5,956 |
| Assets per employee ($millions) | 9.6393% | 323 |
| Cash dividends to net income (ytd only)* | 159.7444% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2999% | 145 |
| Loan loss allowance to noncurrent loans | 2,249.0196% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,455 |
| Noncurrent loans to loans | 0.1467% | 4,845 |
| Net loans and leases to total assets | 83.0214% | 515 |
| Net loans and leases to deposits | 102.1692% | 549 |
| Net loans and leases to core deposits | 111.0035% | 873 |
| Total domestic deposits to total assets | 81.2587% | 4,200 |
| Equity capital to assets | 13.3432% | 1,309 |
| Core capital (leverage) ratio | 13.5167% | 973 |
| Tier 1 risk-based capital ratio | 21.2066% | 1,240 |
| Total risk-based capital ratio | 22.4967% | 1,215 |
| Memoranda: | ||
| Average total assets | $202,125,000 | 2,962 |
| Average earning assets | $197,156,330 | 2,851 |
| Average equity | $27,917,330 | 2,540 |
| Average total loans | $173,781,330 | 2,379 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7631% | 918 |
| Cost of funding earning assets | 0.8548% | 378 |
| Net interest margin | 3.9084% | 1,911 |
| Noninterest income to average assets | 0.1901% | 5,369 |
| Noninterest expense to average assets | 1.3625% | 5,975 |
| Loan and lease loss provision to assets | 0.8516% | 119 |
| Net operating income to assets | 1.7131% | 559 |
| Return on assets (ROA) | 1.7131% | 599 |
| Pretax return on assets | 1.7883% | 869 |
| Return on Equity (ROE) | 12.1956% | 1,258 |
| Retained earnings to average equity (ytd only) | 12.1956% | 482 |
| Net charge-offs to loans | 0.4834% | 461 |
| Credit loss provision to net charge-offs | 204.7619% | 1,065 |
| Earnings coverage of net charge-offs (x) | 6.3476% | 2,250 |
| Efficiency ratio | 34.0426% | 6,042 |
| Assets per employee ($millions) | 9.7287% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1401% | 198 |
| Loan loss allowance to noncurrent loans | 5,468.3168% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 4,082 |
| Noncurrent loans to loans | 0.0574% | 5,250 |
| Net loans and leases to total assets | 83.3874% | 419 |
| Net loans and leases to deposits | 102.9608% | 462 |
| Net loans and leases to core deposits | 111.3840% | 790 |
| Total domestic deposits to total assets | 80.9895% | 4,497 |
| Equity capital to assets | 14.1001% | 944 |
| Core capital (leverage) ratio | 14.3720% | 722 |
| Tier 1 risk-based capital ratio | 22.2624% | 1,127 |
| Total risk-based capital ratio | 23.5499% | 1,099 |
| Memoranda: | ||
| Average total assets | $201,975,000 | 2,965 |
| Average earning assets | $197,013,500 | 2,856 |
| Average equity | $28,371,000 | 2,499 |
| Average total loans | $173,776,500 | 2,371 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 941 |
| Cost of funding earning assets | 0.7548% | 624 |
| Net interest margin | 4.0377% | 1,597 |
| Noninterest income to average assets | 0.2053% | 5,367 |
| Noninterest expense to average assets | 1.5215% | 5,967 |
| Loan and lease loss provision to assets | 0.4253% | 301 |
| Net operating income to assets | 1.3230% | 1,215 |
| Return on assets (ROA) | 1.3230% | 1,260 |
| Pretax return on assets | 2.1448% | 388 |
| Return on Equity (ROE) | 9.7405% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.8811% | 2,507 |
| Net charge-offs to loans | 0.2609% | 1,157 |
| Credit loss provision to net charge-offs | 191.2088% | 1,446 |
| Earnings coverage of net charge-offs (x) | 11.5538% | 2,560 |
| Efficiency ratio | 37.1848% | 6,100 |
| Assets per employee ($millions) | 9.5070% | 318 |
| Cash dividends to net income (ytd only)* | 49.8891% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0891% | 202 |
| Loan loss allowance to noncurrent loans | 1,887.1886% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 3,806 |
| Noncurrent loans to loans | 0.1637% | 4,836 |
| Net loans and leases to total assets | 83.3291% | 451 |
| Net loans and leases to deposits | 102.5053% | 515 |
| Net loans and leases to core deposits | 110.8739% | 817 |
| Total domestic deposits to total assets | 81.2925% | 4,402 |
| Equity capital to assets | 13.9922% | 931 |
| Core capital (leverage) ratio | 13.9567% | 836 |
| Tier 1 risk-based capital ratio | 22.4882% | 1,086 |
| Total risk-based capital ratio | 23.7751% | 1,058 |
| Memoranda: | ||
| Average total assets | $204,539,600 | 2,902 |
| Average earning assets | $196,868,600 | 2,813 |
| Average equity | $27,780,800 | 2,484 |
| Average total loans | $174,369,200 | 2,304 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8001% | 935 |
| Cost of funding earning assets | 0.7218% | 747 |
| Net interest margin | 4.0783% | 1,468 |
| Noninterest income to average assets | 0.1808% | 5,572 |
| Noninterest expense to average assets | 1.5098% | 6,041 |
| Loan and lease loss provision to assets | 0.3045% | 470 |
| Net operating income to assets | 1.4560% | 997 |
| Return on assets (ROA) | 1.4560% | 1,039 |
| Pretax return on assets | 2.2802% | 347 |
| Return on Equity (ROE) | 10.7992% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.7992% | 504 |
| Net charge-offs to loans | 0.2232% | 1,167 |
| Credit loss provision to net charge-offs | 160.4096% | 1,597 |
| Earnings coverage of net charge-offs (x) | 13.6142% | 2,313 |
| Efficiency ratio | 36.8729% | 6,178 |
| Assets per employee ($millions) | 9.6984% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8907% | 276 |
| Loan loss allowance to noncurrent loans | 981.5891% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 3,387 |
| Noncurrent loans to loans | 0.2945% | 4,533 |
| Net loans and leases to total assets | 83.5461% | 421 |
| Net loans and leases to deposits | 105.2113% | 397 |
| Net loans and leases to core deposits | 116.3747% | 573 |
| Total domestic deposits to total assets | 79.4080% | 4,884 |
| Equity capital to assets | 14.1575% | 960 |
| Core capital (leverage) ratio | 14.3700% | 763 |
| Tier 1 risk-based capital ratio | 21.9810% | 1,198 |
| Total risk-based capital ratio | 23.2632% | 1,172 |
| Memoranda: | ||
| Average total assets | $205,762,750 | 2,914 |
| Average earning assets | $197,461,250 | 2,827 |
| Average equity | $27,742,250 | 2,490 |
| Average total loans | $175,044,750 | 2,307 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 883 |
| Cost of funding earning assets | 0.6778% | 949 |
| Net interest margin | 4.1284% | 1,279 |
| Noninterest income to average assets | 0.1501% | 5,810 |
| Noninterest expense to average assets | 1.5247% | 6,100 |
| Loan and lease loss provision to assets | 0.3100% | 478 |
| Net operating income to assets | 1.4482% | 995 |
| Return on assets (ROA) | 1.4482% | 1,035 |
| Pretax return on assets | 2.2571% | 374 |
| Return on Equity (ROE) | 10.9210% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.9210% | 514 |
| Net charge-offs to loans | 0.2937% | 893 |
| Credit loss provision to net charge-offs | 124.5136% | 1,756 |
| Earnings coverage of net charge-offs (x) | 10.3113% | 2,369 |
| Efficiency ratio | 37.2633% | 6,248 |
| Assets per employee ($millions) | 9.4336% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8372% | 323 |
| Loan loss allowance to noncurrent loans | 1,195.8937% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 3,075 |
| Noncurrent loans to loans | 0.2372% | 4,813 |
| Net loans and leases to total assets | 81.6961% | 582 |
| Net loans and leases to deposits | 105.6050% | 389 |
| Net loans and leases to core deposits | 116.2111% | 586 |
| Total domestic deposits to total assets | 77.3600% | 5,397 |
| Equity capital to assets | 13.5294% | 1,158 |
| Core capital (leverage) ratio | 13.9155% | 867 |
| Tier 1 risk-based capital ratio | 21.0874% | 1,342 |
| Total risk-based capital ratio | 22.3677% | 1,311 |
| Memoranda: | ||
| Average total assets | $206,461,670 | 2,931 |
| Average earning assets | $197,121,330 | 2,844 |
| Average equity | $27,378,330 | 2,530 |
| Average total loans | $174,986,330 | 2,312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7871% | 885 |
| Cost of funding earning assets | 0.6456% | 1,146 |
| Net interest margin | 4.1414% | 1,182 |
| Noninterest income to average assets | 0.1476% | 5,854 |
| Noninterest expense to average assets | 1.5112% | 6,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7230% | 561 |
| Return on assets (ROA) | 1.7230% | 592 |
| Pretax return on assets | 2.5738% | 215 |
| Return on Equity (ROE) | 13.1271% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.1271% | 433 |
| Net charge-offs to loans | 0.4999% | 499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.0502% | 2,333 |
| Efficiency ratio | 36.9948% | 6,322 |
| Assets per employee ($millions) | 9.5335% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 453 |
| Loan loss allowance to noncurrent loans | 5,492.9412% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.6456% | 3,568 |
| Noncurrent loans to loans | 0.0476% | 5,594 |
| Net loans and leases to total assets | 82.8494% | 387 |
| Net loans and leases to deposits | 110.7835% | 212 |
| Net loans and leases to core deposits | 121.5675% | 375 |
| Total domestic deposits to total assets | 74.7850% | 5,848 |
| Equity capital to assets | 13.0979% | 1,345 |
| Core capital (leverage) ratio | 14.0200% | 817 |
| Tier 1 risk-based capital ratio | 20.1748% | 1,576 |
| Total risk-based capital ratio | 21.4518% | 1,543 |
| Memoranda: | ||
| Average total assets | $205,922,500 | 2,952 |
| Average earning assets | $195,777,000 | 2,885 |
| Average equity | $27,028,000 | 2,578 |
| Average total loans | $175,228,000 | 2,316 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 1,383 |
| Cost of funding earning assets | 0.7087% | 1,054 |
| Net interest margin | 3.9561% | 2,025 |
| Noninterest income to average assets | 0.1732% | 5,818 |
| Noninterest expense to average assets | 1.4456% | 6,329 |
| Loan and lease loss provision to assets | 0.3774% | 493 |
| Net operating income to assets | 1.3574% | 1,172 |
| Return on assets (ROA) | 1.3574% | 1,217 |
| Pretax return on assets | 2.1401% | 373 |
| Return on Equity (ROE) | 11.1721% | 1,669 |
| Retained earnings to average equity (ytd only) | 8.0655% | 997 |
| Net charge-offs to loans | 0.3997% | 1,073 |
| Credit loss provision to net charge-offs | 116.4483% | 2,051 |
| Earnings coverage of net charge-offs (x) | 7.7671% | 2,980 |
| Efficiency ratio | 36.4762% | 6,435 |
| Assets per employee ($millions) | 9.1868% | 313 |
| Cash dividends to net income (ytd only)* | 27.8067% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8415% | 356 |
| Loan loss allowance to noncurrent loans | 2,506.6667% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.5621% | 3,921 |
| Noncurrent loans to loans | 0.1134% | 5,437 |
| Net loans and leases to total assets | 82.6950% | 462 |
| Net loans and leases to deposits | 106.1728% | 349 |
| Net loans and leases to core deposits | 115.2029% | 549 |
| Total domestic deposits to total assets | 77.8872% | 5,459 |
| Equity capital to assets | 13.1538% | 1,289 |
| Core capital (leverage) ratio | 13.6540% | 917 |
| Tier 1 risk-based capital ratio | 21.5835% | 1,295 |
| Total risk-based capital ratio | 22.8670% | 1,266 |
| Memoranda: | ||
| Average total assets | $211,952,000 | 2,861 |
| Average earning assets | $203,055,600 | 2,772 |
| Average equity | $25,751,600 | 2,589 |
| Average total loans | $171,859,800 | 2,306 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6044% | 1,550 |
| Cost of funding earning assets | 0.7213% | 1,040 |
| Net interest margin | 3.8831% | 2,311 |
| Noninterest income to average assets | 0.1921% | 5,765 |
| Noninterest expense to average assets | 1.3842% | 6,416 |
| Loan and lease loss provision to assets | 0.4975% | 301 |
| Net operating income to assets | 1.3027% | 1,361 |
| Return on assets (ROA) | 1.3027% | 1,420 |
| Pretax return on assets | 2.0496% | 514 |
| Return on Equity (ROE) | 10.9354% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.9354% | 523 |
| Net charge-offs to loans | 0.3725% | 1,073 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 8.5334% | 2,780 |
| Efficiency ratio | 35.2104% | 6,512 |
| Assets per employee ($millions) | 9.2090% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9610% | 374 |
| Loan loss allowance to noncurrent loans | 1,093.3476% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 3,823 |
| Noncurrent loans to loans | 0.2708% | 5,098 |
| Net loans and leases to total assets | 82.4173% | 471 |
| Net loans and leases to deposits | 102.3457% | 483 |
| Net loans and leases to core deposits | 110.7144% | 716 |
| Total domestic deposits to total assets | 80.5283% | 4,957 |
| Equity capital to assets | 13.1315% | 1,361 |
| Core capital (leverage) ratio | 13.4095% | 1,027 |
| Tier 1 risk-based capital ratio | 21.5729% | 1,327 |
| Total risk-based capital ratio | 22.8581% | 1,304 |
| Memoranda: | ||
| Average total assets | $214,412,750 | 2,860 |
| Average earning assets | $206,464,500 | 2,760 |
| Average equity | $25,543,250 | 2,621 |
| Average total loans | $171,819,250 | 2,324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,727 |
| Cost of funding earning assets | 0.7380% | 977 |
| Net interest margin | 3.7955% | 2,590 |
| Noninterest income to average assets | 0.1832% | 5,856 |
| Noninterest expense to average assets | 1.4087% | 6,468 |
| Loan and lease loss provision to assets | 0.4580% | 346 |
| Net operating income to assets | 1.2732% | 1,383 |
| Return on assets (ROA) | 1.2732% | 1,438 |
| Pretax return on assets | 1.9675% | 597 |
| Return on Equity (ROE) | 11.0363% | 1,729 |
| Retained earnings to average equity (ytd only) | 11.0363% | 533 |
| Net charge-offs to loans | 0.3272% | 1,247 |
| Credit loss provision to net charge-offs | 177.9359% | 1,284 |
| Earnings coverage of net charge-offs (x) | 9.4235% | 2,360 |
| Efficiency ratio | 36.7415% | 6,567 |
| Assets per employee ($millions) | 9.2455% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8994% | 433 |
| Loan loss allowance to noncurrent loans | 1,300.5208% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 4,024 |
| Noncurrent loans to loans | 0.2229% | 5,334 |
| Net loans and leases to total assets | 82.2257% | 452 |
| Net loans and leases to deposits | 98.9668% | 605 |
| Net loans and leases to core deposits | 106.7559% | 852 |
| Total domestic deposits to total assets | 83.0841% | 4,273 |
| Equity capital to assets | 12.7330% | 1,524 |
| Core capital (leverage) ratio | 12.6127% | 1,339 |
| Tier 1 risk-based capital ratio | 21.2005% | 1,408 |
| Total risk-based capital ratio | 22.4848% | 1,374 |
| Memoranda: | ||
| Average total assets | $218,351,330 | 2,832 |
| Average earning assets | $210,037,670 | 2,741 |
| Average equity | $25,189,670 | 2,639 |
| Average total loans | $171,735,670 | 2,322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 2,271 |
| Cost of funding earning assets | 0.7516% | 964 |
| Net interest margin | 3.6179% | 3,183 |
| Noninterest income to average assets | 0.1470% | 6,090 |
| Noninterest expense to average assets | 1.4967% | 6,499 |
| Loan and lease loss provision to assets | 0.3543% | 500 |
| Net operating income to assets | 1.1496% | 1,633 |
| Return on assets (ROA) | 1.1496% | 1,701 |
| Pretax return on assets | 1.7748% | 834 |
| Return on Equity (ROE) | 10.4530% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.4530% | 854 |
| Net charge-offs to loans | 0.2286% | 1,407 |
| Credit loss provision to net charge-offs | 204.0816% | 1,023 |
| Earnings coverage of net charge-offs (x) | 12.2653% | 1,730 |
| Efficiency ratio | 41.2799% | 6,565 |
| Assets per employee ($millions) | 9.7470% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8122% | 532 |
| Loan loss allowance to noncurrent loans | 3,086.7089% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 3,938 |
| Noncurrent loans to loans | 0.0911% | 5,852 |
| Net loans and leases to total assets | 78.5986% | 698 |
| Net loans and leases to deposits | 92.2659% | 931 |
| Net loans and leases to core deposits | 98.7954% | 1,185 |
| Total domestic deposits to total assets | 85.1871% | 3,784 |
| Equity capital to assets | 11.7322% | 2,075 |
| Core capital (leverage) ratio | 11.3451% | 2,097 |
| Tier 1 risk-based capital ratio | 20.2849% | 1,651 |
| Total risk-based capital ratio | 21.5669% | 1,608 |
| Memoranda: | ||
| Average total assets | $225,827,000 | 2,771 |
| Average earning assets | $217,140,500 | 2,674 |
| Average equity | $24,835,000 | 2,662 |
| Average total loans | $171,483,000 | 2,327 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 965 |
| Cost of funding earning assets | 0.8970% | 749 |
| Net interest margin | 4.0767% | 1,714 |
| Noninterest income to average assets | 0.1489% | 6,196 |
| Noninterest expense to average assets | 1.4805% | 6,583 |
| Loan and lease loss provision to assets | 0.4778% | 589 |
| Net operating income to assets | 1.3194% | 1,205 |
| Return on assets (ROA) | 1.3194% | 1,242 |
| Pretax return on assets | 2.0863% | 400 |
| Return on Equity (ROE) | 11.5773% | 1,562 |
| Retained earnings to average equity (ytd only) | 9.7897% | 594 |
| Net charge-offs to loans | 0.3314% | 2,020 |
| Credit loss provision to net charge-offs | 172.5044% | 1,325 |
| Earnings coverage of net charge-offs (x) | 9.2574% | 2,529 |
| Efficiency ratio | 36.6035% | 6,729 |
| Assets per employee ($millions) | 10.7827% | 185 |
| Cash dividends to net income (ytd only)* | 15.4412% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8163% | 582 |
| Loan loss allowance to noncurrent loans | 3,022.1519% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 4,548 |
| Noncurrent loans to loans | 0.0932% | 5,933 |
| Net loans and leases to total assets | 69.4594% | 2,103 |
| Net loans and leases to deposits | 80.1552% | 2,439 |
| Net loans and leases to core deposits | 85.6714% | 2,486 |
| Total domestic deposits to total assets | 86.6562% | 2,901 |
| Equity capital to assets | 10.3331% | 3,360 |
| Core capital (leverage) ratio | 11.1156% | 2,276 |
| Tier 1 risk-based capital ratio | 20.2840% | 1,591 |
| Total risk-based capital ratio | 21.5675% | 1,549 |
| Memoranda: | ||
| Average total assets | $206,150,000 | 2,959 |
| Average earning assets | $196,995,400 | 2,863 |
| Average equity | $23,494,200 | 2,773 |
| Average total loans | $172,278,000 | 2,280 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 659 |
| Cost of funding earning assets | 0.9317% | 700 |
| Net interest margin | 4.2592% | 1,190 |
| Noninterest income to average assets | 0.0975% | 6,487 |
| Noninterest expense to average assets | 1.5088% | 6,635 |
| Loan and lease loss provision to assets | 0.4436% | 646 |
| Net operating income to assets | 1.3966% | 1,111 |
| Return on assets (ROA) | 1.3966% | 1,157 |
| Pretax return on assets | 2.2038% | 380 |
| Return on Equity (ROE) | 11.9218% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.9218% | 432 |
| Net charge-offs to loans | 0.3523% | 1,785 |
| Credit loss provision to net charge-offs | 144.4201% | 1,628 |
| Earnings coverage of net charge-offs (x) | 8.6192% | 2,597 |
| Efficiency ratio | 36.3034% | 6,798 |
| Assets per employee ($millions) | 8.9309% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6722% | 773 |
| Loan loss allowance to noncurrent loans | 1,354.3027% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 3,996 |
| Noncurrent loans to loans | 0.1973% | 5,745 |
| Net loans and leases to total assets | 84.6035% | 209 |
| Net loans and leases to deposits | 101.4767% | 410 |
| Net loans and leases to core deposits | 111.1290% | 536 |
| Total domestic deposits to total assets | 83.3724% | 4,433 |
| Equity capital to assets | 12.3616% | 1,665 |
| Core capital (leverage) ratio | 12.3861% | 1,480 |
| Tier 1 risk-based capital ratio | 19.9463% | 1,750 |
| Total risk-based capital ratio | 21.2274% | 1,718 |
| Memoranda: | ||
| Average total assets | $198,382,750 | 3,079 |
| Average earning assets | $189,045,750 | 2,984 |
| Average equity | $23,239,750 | 2,821 |
| Average total loans | $172,961,000 | 2,279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1879% | 649 |
| Cost of funding earning assets | 0.9525% | 707 |
| Net interest margin | 4.2354% | 1,186 |
| Noninterest income to average assets | 0.0874% | 6,565 |
| Noninterest expense to average assets | 1.4521% | 6,704 |
| Loan and lease loss provision to assets | 0.6633% | 362 |
| Net operating income to assets | 1.2944% | 1,335 |
| Return on assets (ROA) | 1.2944% | 1,426 |
| Pretax return on assets | 2.0159% | 587 |
| Return on Equity (ROE) | 11.2537% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.2537% | 602 |
| Net charge-offs to loans | 0.3938% | 1,640 |
| Credit loss provision to net charge-offs | 192.9825% | 1,231 |
| Earnings coverage of net charge-offs (x) | 7.7953% | 2,501 |
| Efficiency ratio | 35.1496% | 6,851 |
| Assets per employee ($millions) | 8.5748% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7168% | 779 |
| Loan loss allowance to noncurrent loans | 1,439.6923% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 3,960 |
| Noncurrent loans to loans | 0.1887% | 5,844 |
| Net loans and leases to total assets | 84.9544% | 190 |
| Net loans and leases to deposits | 102.5248% | 314 |
| Net loans and leases to core deposits | 113.0959% | 456 |
| Total domestic deposits to total assets | 82.8623% | 4,755 |
| Equity capital to assets | 11.9141% | 1,968 |
| Core capital (leverage) ratio | 12.0023% | 1,611 |
| Tier 1 risk-based capital ratio | 19.0647% | 1,979 |
| Total risk-based capital ratio | 20.3458% | 1,932 |
| Memoranda: | ||
| Average total assets | $199,017,000 | 3,081 |
| Average earning assets | $190,019,670 | 2,992 |
| Average equity | $22,890,330 | 2,877 |
| Average total loans | $173,683,670 | 2,273 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2028% | 599 |
| Cost of funding earning assets | 0.9747% | 690 |
| Net interest margin | 4.2281% | 1,123 |
| Noninterest income to average assets | 0.0940% | 6,594 |
| Noninterest expense to average assets | 1.2425% | 6,897 |
| Loan and lease loss provision to assets | 0.6003% | 422 |
| Net operating income to assets | 1.5106% | 841 |
| Return on assets (ROA) | 1.5106% | 917 |
| Pretax return on assets | 2.2870% | 361 |
| Return on Equity (ROE) | 13.3705% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.3705% | 510 |
| Net charge-offs to loans | 0.2316% | 2,053 |
| Credit loss provision to net charge-offs | 297.0297% | 812 |
| Earnings coverage of net charge-offs (x) | 14.2871% | 1,465 |
| Efficiency ratio | 30.0872% | 6,958 |
| Assets per employee ($millions) | 8.6277% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6369% | 978 |
| Loan loss allowance to noncurrent loans | 1,022.4215% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 4,919 |
| Noncurrent loans to loans | 0.2579% | 5,767 |
| Net loans and leases to total assets | 84.8476% | 164 |
| Net loans and leases to deposits | 100.9455% | 315 |
| Net loans and leases to core deposits | 109.9818% | 500 |
| Total domestic deposits to total assets | 84.0529% | 4,454 |
| Equity capital to assets | 11.5724% | 2,353 |
| Core capital (leverage) ratio | 11.5742% | 1,831 |
| Tier 1 risk-based capital ratio | 18.5197% | 2,184 |
| Total risk-based capital ratio | 19.7995% | 2,141 |
| Memoranda: | ||
| Average total assets | $199,915,500 | 3,096 |
| Average earning assets | $190,819,500 | 3,002 |
| Average equity | $22,587,000 | 2,971 |
| Average total loans | $174,412,500 | 2,278 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5059% | 612 |
| Cost of funding earning assets | 1.1367% | 783 |
| Net interest margin | 4.3693% | 1,232 |
| Noninterest income to average assets | 0.1017% | 6,500 |
| Noninterest expense to average assets | 1.3829% | 6,915 |
| Loan and lease loss provision to assets | 0.9833% | 430 |
| Net operating income to assets | 1.1994% | 1,607 |
| Return on assets (ROA) | 1.1994% | 1,771 |
| Pretax return on assets | 1.9084% | 744 |
| Return on Equity (ROE) | 9.7203% | 2,297 |
| Retained earnings to average equity (ytd only) | -3.0304% | 6,267 |
| Net charge-offs to loans | 0.4075% | 2,626 |
| Credit loss provision to net charge-offs | 276.1414% | 869 |
| Earnings coverage of net charge-offs (x) | 8.1208% | 2,467 |
| Efficiency ratio | 32.3519% | 7,013 |
| Assets per employee ($millions) | 8.7563% | 357 |
| Cash dividends to net income (ytd only)* | 131.1762% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4793% | 1,150 |
| Loan loss allowance to noncurrent loans | 612.5000% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.8833% | 4,279 |
| Noncurrent loans to loans | 0.4048% | 5,474 |
| Net loans and leases to total assets | 85.1738% | 164 |
| Net loans and leases to deposits | 101.4916% | 350 |
| Net loans and leases to core deposits | 112.0309% | 468 |
| Total domestic deposits to total assets | 83.9221% | 4,353 |
| Equity capital to assets | 11.0281% | 2,917 |
| Core capital (leverage) ratio | 11.3267% | 1,996 |
| Tier 1 risk-based capital ratio | 17.5901% | 2,421 |
| Total risk-based capital ratio | 18.8676% | 2,376 |
| Memoranda: | ||
| Average total assets | $190,685,400 | 3,169 |
| Average earning assets | $182,113,400 | 3,059 |
| Average equity | $23,528,200 | 2,799 |
| Average total loans | $166,614,400 | 2,348 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 621 |
| Cost of funding earning assets | 1.1608% | 830 |
| Net interest margin | 4.3865% | 1,234 |
| Noninterest income to average assets | 0.1057% | 6,598 |
| Noninterest expense to average assets | 1.3226% | 7,034 |
| Loan and lease loss provision to assets | 1.0106% | 402 |
| Net operating income to assets | 1.2687% | 1,518 |
| Return on assets (ROA) | 1.2687% | 1,677 |
| Pretax return on assets | 1.9694% | 750 |
| Return on Equity (ROE) | 9.9979% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.9979% | 914 |
| Net charge-offs to loans | 0.4447% | 2,328 |
| Credit loss provision to net charge-offs | 260.0365% | 1,061 |
| Earnings coverage of net charge-offs (x) | 7.6679% | 2,574 |
| Efficiency ratio | 30.7401% | 7,117 |
| Assets per employee ($millions) | 8.4276% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4224% | 1,315 |
| Loan loss allowance to noncurrent loans | 480.6183% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 5,362 |
| Noncurrent loans to loans | 0.5040% | 5,434 |
| Net loans and leases to total assets | 83.9993% | 228 |
| Net loans and leases to deposits | 101.9786% | 347 |
| Net loans and leases to core deposits | 113.4073% | 447 |
| Total domestic deposits to total assets | 82.3695% | 4,889 |
| Equity capital to assets | 12.7485% | 1,744 |
| Core capital (leverage) ratio | 13.0665% | 1,167 |
| Tier 1 risk-based capital ratio | 20.7760% | 1,581 |
| Total risk-based capital ratio | 22.0523% | 1,537 |
| Memoranda: | ||
| Average total assets | $188,008,250 | 3,228 |
| Average earning assets | $179,879,250 | 3,123 |
| Average equity | $23,857,750 | 2,789 |
| Average total loans | $164,294,000 | 2,400 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6532% | 534 |
| Cost of funding earning assets | 1.2011% | 816 |
| Net interest margin | 4.4521% | 1,079 |
| Noninterest income to average assets | 0.1107% | 6,627 |
| Noninterest expense to average assets | 1.3157% | 7,101 |
| Loan and lease loss provision to assets | 0.9405% | 485 |
| Net operating income to assets | 1.3640% | 1,273 |
| Return on assets (ROA) | 1.3640% | 1,431 |
| Pretax return on assets | 2.1057% | 576 |
| Return on Equity (ROE) | 10.7664% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.7664% | 793 |
| Net charge-offs to loans | 0.4626% | 2,216 |
| Credit loss provision to net charge-offs | 231.4815% | 1,231 |
| Earnings coverage of net charge-offs (x) | 7.4974% | 2,469 |
| Efficiency ratio | 30.1626% | 7,178 |
| Assets per employee ($millions) | 8.1522% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2230% | 1,723 |
| Loan loss allowance to noncurrent loans | 3,359.6330% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,479 |
| Noncurrent loans to loans | 0.0662% | 6,501 |
| Net loans and leases to total assets | 85.9051% | 144 |
| Net loans and leases to deposits | 105.5711% | 239 |
| Net loans and leases to core deposits | 118.7197% | 334 |
| Total domestic deposits to total assets | 81.3718% | 5,341 |
| Equity capital to assets | 12.9013% | 1,566 |
| Core capital (leverage) ratio | 13.0078% | 1,148 |
| Tier 1 risk-based capital ratio | 21.1674% | 1,449 |
| Total risk-based capital ratio | 22.4414% | 1,418 |
| Memoranda: | ||
| Average total assets | $186,066,000 | 3,263 |
| Average earning assets | $177,669,670 | 3,169 |
| Average equity | $23,573,330 | 2,802 |
| Average total loans | $163,438,000 | 2,422 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 527 |
| Cost of funding earning assets | 1.2276% | 856 |
| Net interest margin | 4.4605% | 1,087 |
| Noninterest income to average assets | 0.1187% | 6,661 |
| Noninterest expense to average assets | 1.2949% | 7,176 |
| Loan and lease loss provision to assets | 0.8093% | 599 |
| Net operating income to assets | 1.4805% | 1,056 |
| Return on assets (ROA) | 1.4805% | 1,180 |
| Pretax return on assets | 2.2725% | 475 |
| Return on Equity (ROE) | 11.7945% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.7945% | 857 |
| Net charge-offs to loans | 0.9362% | 1,104 |
| Credit loss provision to net charge-offs | 98.4252% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.7480% | 2,765 |
| Efficiency ratio | 29.5858% | 7,238 |
| Assets per employee ($millions) | 8.0743% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 2,505 |
| Loan loss allowance to noncurrent loans | 1,587.4372% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,213 |
| Noncurrent loans to loans | 0.1233% | 6,439 |
| Net loans and leases to total assets | 85.2268% | 145 |
| Net loans and leases to deposits | 105.2074% | 227 |
| Net loans and leases to core deposits | 118.5193% | 334 |
| Total domestic deposits to total assets | 81.0084% | 5,608 |
| Equity capital to assets | 12.7119% | 1,591 |
| Core capital (leverage) ratio | 12.8075% | 1,204 |
| Tier 1 risk-based capital ratio | 20.9854% | 1,499 |
| Total risk-based capital ratio | 22.2547% | 1,464 |
| Memoranda: | ||
| Average total assets | $185,348,500 | 3,291 |
| Average earning assets | $176,929,500 | 3,194 |
| Average equity | $23,265,000 | 2,826 |
| Average total loans | $162,789,500 | 2,439 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9608% | 460 |
| Cost of funding earning assets | 1.5027% | 713 |
| Net interest margin | 4.4581% | 1,234 |
| Noninterest income to average assets | 0.1059% | 6,614 |
| Noninterest expense to average assets | 1.4332% | 7,200 |
| Loan and lease loss provision to assets | 0.8686% | 1,117 |
| Net operating income to assets | 1.3257% | 1,183 |
| Return on assets (ROA) | 1.3257% | 1,279 |
| Pretax return on assets | 2.0690% | 468 |
| Return on Equity (ROE) | 11.2107% | 1,645 |
| Retained earnings to average equity (ytd only) | 10.7516% | 437 |
| Net charge-offs to loans | 0.3740% | 3,537 |
| Credit loss provision to net charge-offs | 265.3400% | 908 |
| Earnings coverage of net charge-offs (x) | 8.9735% | 2,056 |
| Efficiency ratio | 32.7910% | 7,278 |
| Assets per employee ($millions) | 8.0430% | 465 |
| Cash dividends to net income (ytd only)* | 4.0950% | 4,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 2,480 |
| Loan loss allowance to noncurrent loans | 662.1339% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 6,131 |
| Noncurrent loans to loans | 0.2912% | 6,142 |
| Net loans and leases to total assets | 87.0225% | 107 |
| Net loans and leases to deposits | 107.4905% | 218 |
| Net loans and leases to core deposits | 120.2489% | 348 |
| Total domestic deposits to total assets | 80.9583% | 5,461 |
| Equity capital to assets | 12.3915% | 1,863 |
| Core capital (leverage) ratio | 12.2407% | 1,469 |
| Tier 1 risk-based capital ratio | 19.9400% | 1,659 |
| Total risk-based capital ratio | 21.2082% | 1,623 |
| Memoranda: | ||
| Average total assets | $184,199,200 | 3,270 |
| Average earning assets | $176,218,400 | 3,144 |
| Average equity | $21,782,800 | 2,918 |
| Average total loans | $161,233,600 | 2,482 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9896% | 473 |
| Cost of funding earning assets | 1.5579% | 702 |
| Net interest margin | 4.4318% | 1,314 |
| Noninterest income to average assets | 0.1101% | 6,704 |
| Noninterest expense to average assets | 1.3927% | 7,278 |
| Loan and lease loss provision to assets | 0.8333% | 1,110 |
| Net operating income to assets | 1.3485% | 1,271 |
| Return on assets (ROA) | 1.3485% | 1,359 |
| Pretax return on assets | 2.1202% | 492 |
| Return on Equity (ROE) | 11.5420% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.5420% | 548 |
| Net charge-offs to loans | 0.5084% | 2,727 |
| Credit loss provision to net charge-offs | 187.9085% | 1,554 |
| Earnings coverage of net charge-offs (x) | 6.6601% | 2,512 |
| Efficiency ratio | 32.0440% | 7,348 |
| Assets per employee ($millions) | 8.1550% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 3,359 |
| Loan loss allowance to noncurrent loans | 650.4808% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 6,377 |
| Noncurrent loans to loans | 0.2574% | 6,360 |
| Net loans and leases to total assets | 84.7109% | 179 |
| Net loans and leases to deposits | 105.3788% | 270 |
| Net loans and leases to core deposits | 118.3224% | 433 |
| Total domestic deposits to total assets | 80.3871% | 5,622 |
| Equity capital to assets | 11.9649% | 2,279 |
| Core capital (leverage) ratio | 11.8540% | 1,789 |
| Tier 1 risk-based capital ratio | 19.6096% | 1,782 |
| Total risk-based capital ratio | 20.8731% | 1,752 |
| Memoranda: | ||
| Average total assets | $184,001,750 | 3,292 |
| Average earning assets | $175,877,250 | 3,159 |
| Average equity | $21,497,750 | 2,948 |
| Average total loans | $160,505,250 | 2,502 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0518% | 430 |
| Cost of funding earning assets | 1.5951% | 706 |
| Net interest margin | 4.4567% | 1,234 |
| Noninterest income to average assets | 0.1105% | 6,782 |
| Noninterest expense to average assets | 1.4452% | 7,341 |
| Loan and lease loss provision to assets | 0.8205% | 1,117 |
| Net operating income to assets | 1.3216% | 1,264 |
| Return on assets (ROA) | 1.3216% | 1,341 |
| Pretax return on assets | 2.0906% | 504 |
| Return on Equity (ROE) | 11.4054% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.4054% | 605 |
| Net charge-offs to loans | 0.3010% | 3,366 |
| Credit loss provision to net charge-offs | 311.2033% | 977 |
| Earnings coverage of net charge-offs (x) | 11.0415% | 1,747 |
| Efficiency ratio | 33.1743% | 7,416 |
| Assets per employee ($millions) | 7.9992% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 3,449 |
| Loan loss allowance to noncurrent loans | 2,599.0291% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 6,876 |
| Noncurrent loans to loans | 0.0639% | 6,826 |
| Net loans and leases to total assets | 86.1388% | 131 |
| Net loans and leases to deposits | 110.4968% | 171 |
| Net loans and leases to core deposits | 124.6002% | 334 |
| Total domestic deposits to total assets | 77.9559% | 6,298 |
| Equity capital to assets | 11.8442% | 2,215 |
| Core capital (leverage) ratio | 11.8744% | 1,682 |
| Tier 1 risk-based capital ratio | 19.0472% | 1,829 |
| Total risk-based capital ratio | 20.3103% | 1,787 |
| Memoranda: | ||
| Average total assets | $182,814,000 | 3,332 |
| Average earning assets | $174,163,330 | 3,201 |
| Average equity | $21,183,000 | 2,972 |
| Average total loans | $160,142,330 | 2,536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 465 |
| Cost of funding earning assets | 1.6248% | 746 |
| Net interest margin | 4.3806% | 1,338 |
| Noninterest income to average assets | 0.1141% | 6,841 |
| Noninterest expense to average assets | 1.5058% | 7,356 |
| Loan and lease loss provision to assets | 0.6585% | 1,299 |
| Net operating income to assets | 1.3170% | 1,229 |
| Return on assets (ROA) | 1.3170% | 1,275 |
| Pretax return on assets | 2.1160% | 460 |
| Return on Equity (ROE) | 11.4948% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.4948% | 811 |
| Net charge-offs to loans | 0.0752% | 4,188 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 42.1333% | 659 |
| Efficiency ratio | 35.1795% | 7,457 |
| Assets per employee ($millions) | 7.9796% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 4,094 |
| Loan loss allowance to noncurrent loans | 1,729.0780% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 6,304 |
| Noncurrent loans to loans | 0.0881% | 6,825 |
| Net loans and leases to total assets | 85.8509% | 136 |
| Net loans and leases to deposits | 111.6502% | 162 |
| Net loans and leases to core deposits | 122.7394% | 369 |
| Total domestic deposits to total assets | 76.8927% | 6,551 |
| Equity capital to assets | 11.5403% | 2,231 |
| Core capital (leverage) ratio | 11.6601% | 1,765 |
| Tier 1 risk-based capital ratio | 18.3845% | 1,992 |
| Total risk-based capital ratio | 19.6448% | 1,943 |
| Memoranda: | ||
| Average total assets | $182,230,500 | 3,363 |
| Average earning assets | $173,309,000 | 3,249 |
| Average equity | $20,879,000 | 2,999 |
| Average total loans | $159,635,500 | 2,572 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3052% | 458 |
| Cost of funding earning assets | 2.1439% | 372 |
| Net interest margin | 4.1613% | 2,321 |
| Noninterest income to average assets | 0.1220% | 6,798 |
| Noninterest expense to average assets | 1.4550% | 7,462 |
| Loan and lease loss provision to assets | 0.6580% | 2,506 |
| Net operating income to assets | 1.2744% | 1,237 |
| Return on assets (ROA) | 1.2744% | 1,302 |
| Pretax return on assets | 1.9870% | 491 |
| Return on Equity (ROE) | 11.1454% | 1,544 |
| Retained earnings to average equity (ytd only) | 5.7350% | 1,973 |
| Net charge-offs to loans | 0.2923% | 4,556 |
| Credit loss provision to net charge-offs | 256.5789% | 1,103 |
| Earnings coverage of net charge-offs (x) | 10.3136% | 1,729 |
| Efficiency ratio | 35.4870% | 7,549 |
| Assets per employee ($millions) | 7.8665% | 503 |
| Cash dividends to net income (ytd only)* | 48.5437% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 4,689 |
| Loan loss allowance to noncurrent loans | 1,571.0145% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 6,312 |
| Noncurrent loans to loans | 0.0866% | 6,915 |
| Net loans and leases to total assets | 86.8303% | 140 |
| Net loans and leases to deposits | 115.3491% | 151 |
| Net loans and leases to core deposits | 125.3357% | 399 |
| Total domestic deposits to total assets | 75.2761% | 6,734 |
| Equity capital to assets | 11.3735% | 2,358 |
| Core capital (leverage) ratio | 11.3104% | 1,950 |
| Tier 1 risk-based capital ratio | 17.8800% | 2,037 |
| Total risk-based capital ratio | 19.1380% | 1,997 |
| Memoranda: | ||
| Average total assets | $177,803,600 | 3,412 |
| Average earning assets | $169,970,200 | 3,280 |
| Average equity | $20,331,200 | 3,101 |
| Average total loans | $155,995,800 | 2,671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3204% | 488 |
| Cost of funding earning assets | 2.2302% | 351 |
| Net interest margin | 4.0902% | 2,671 |
| Noninterest income to average assets | 0.1220% | 6,943 |
| Noninterest expense to average assets | 1.4378% | 7,580 |
| Loan and lease loss provision to assets | 0.5800% | 2,612 |
| Net operating income to assets | 1.2955% | 1,347 |
| Return on assets (ROA) | 1.2955% | 1,422 |
| Pretax return on assets | 2.0163% | 604 |
| Return on Equity (ROE) | 11.3139% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.3139% | 557 |
| Net charge-offs to loans | 0.2715% | 4,318 |
| Credit loss provision to net charge-offs | 243.6709% | 1,381 |
| Earnings coverage of net charge-offs (x) | 10.9083% | 1,839 |
| Efficiency ratio | 35.6423% | 7,636 |
| Assets per employee ($millions) | 7.9822% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,533 |
| Loan loss allowance to noncurrent loans | 354.6468% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 6,466 |
| Noncurrent loans to loans | 0.3363% | 6,518 |
| Net loans and leases to total assets | 86.0946% | 193 |
| Net loans and leases to deposits | 113.2631% | 199 |
| Net loans and leases to core deposits | 126.5377% | 440 |
| Total domestic deposits to total assets | 76.0130% | 6,652 |
| Equity capital to assets | 11.5136% | 2,522 |
| Core capital (leverage) ratio | 11.5886% | 1,886 |
| Tier 1 risk-based capital ratio | 18.0110% | 2,022 |
| Total risk-based capital ratio | 19.2654% | 1,983 |
| Memoranda: | ||
| Average total assets | $177,022,000 | 3,463 |
| Average earning assets | $169,311,250 | 3,336 |
| Average equity | $20,269,500 | 3,151 |
| Average total loans | $155,177,250 | 2,725 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3218% | 493 |
| Cost of funding earning assets | 2.2973% | 339 |
| Net interest margin | 4.0245% | 2,902 |
| Noninterest income to average assets | 0.1281% | 6,951 |
| Noninterest expense to average assets | 1.4620% | 7,631 |
| Loan and lease loss provision to assets | 0.5377% | 2,633 |
| Net operating income to assets | 1.2778% | 1,365 |
| Return on assets (ROA) | 1.2778% | 1,421 |
| Pretax return on assets | 1.9882% | 613 |
| Return on Equity (ROE) | 11.1812% | 1,693 |
| Retained earnings to average equity (ytd only) | 11.1812% | 615 |
| Net charge-offs to loans | 0.1940% | 4,447 |
| Credit loss provision to net charge-offs | 315.4362% | 1,160 |
| Earnings coverage of net charge-offs (x) | 14.8188% | 1,499 |
| Efficiency ratio | 36.6609% | 7,689 |
| Assets per employee ($millions) | 7.7665% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 5,804 |
| Loan loss allowance to noncurrent loans | 200.5650% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 5,970 |
| Noncurrent loans to loans | 0.5629% | 6,120 |
| Net loans and leases to total assets | 87.0156% | 171 |
| Net loans and leases to deposits | 114.9828% | 193 |
| Net loans and leases to core deposits | 128.6733% | 442 |
| Total domestic deposits to total assets | 75.6771% | 6,753 |
| Equity capital to assets | 11.4958% | 2,448 |
| Core capital (leverage) ratio | 11.6488% | 1,837 |
| Tier 1 risk-based capital ratio | 17.7600% | 2,014 |
| Total risk-based capital ratio | 19.0134% | 1,982 |
| Memoranda: | ||
| Average total assets | $174,832,330 | 3,521 |
| Average earning assets | $167,672,670 | 3,379 |
| Average equity | $19,980,000 | 3,175 |
| Average total loans | $153,579,670 | 2,779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2789% | 548 |
| Cost of funding earning assets | 2.3537% | 355 |
| Net interest margin | 3.9252% | 3,222 |
| Noninterest income to average assets | 0.1318% | 7,032 |
| Noninterest expense to average assets | 1.4665% | 7,733 |
| Loan and lease loss provision to assets | 0.3701% | 3,147 |
| Net operating income to assets | 1.3323% | 1,221 |
| Return on assets (ROA) | 1.3323% | 1,294 |
| Pretax return on assets | 2.0563% | 550 |
| Return on Equity (ROE) | 11.6939% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.6939% | 798 |
| Net charge-offs to loans | 0.4033% | 2,829 |
| Credit loss provision to net charge-offs | 104.5752% | 3,279 |
| Earnings coverage of net charge-offs (x) | 6.8562% | 2,159 |
| Efficiency ratio | 37.6708% | 7,774 |
| Assets per employee ($millions) | 7.6883% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,681 |
| Loan loss allowance to noncurrent loans | 216.7656% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 6,151 |
| Noncurrent loans to loans | 0.4367% | 6,426 |
| Net loans and leases to total assets | 86.4498% | 193 |
| Net loans and leases to deposits | 114.4485% | 206 |
| Net loans and leases to core deposits | 121.6382% | 723 |
| Total domestic deposits to total assets | 75.5360% | 6,826 |
| Equity capital to assets | 11.3046% | 2,502 |
| Core capital (leverage) ratio | 11.7089% | 1,796 |
| Tier 1 risk-based capital ratio | 17.4623% | 2,090 |
| Total risk-based capital ratio | 18.7114% | 2,061 |
| Memoranda: | ||
| Average total assets | $172,933,500 | 3,613 |
| Average earning assets | $165,699,000 | 3,469 |
| Average equity | $19,702,500 | 3,237 |
| Average total loans | $151,764,000 | 2,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7344% | 430 |
| Cost of funding earning assets | 2.8560% | 369 |
| Net interest margin | 3.8784% | 3,357 |
| Noninterest income to average assets | 0.1607% | 6,921 |
| Noninterest expense to average assets | 1.5543% | 7,793 |
| Loan and lease loss provision to assets | 0.2704% | 5,251 |
| Net operating income to assets | 1.3001% | 1,036 |
| Return on assets (ROA) | 1.3001% | 1,083 |
| Pretax return on assets | 2.0676% | 356 |
| Return on Equity (ROE) | 11.0255% | 1,413 |
| Retained earnings to average equity (ytd only) | 7.7765% | 756 |
| Net charge-offs to loans | 0.1867% | 5,487 |
| Credit loss provision to net charge-offs | 166.2835% | 2,616 |
| Earnings coverage of net charge-offs (x) | 14.3793% | 1,371 |
| Efficiency ratio | 39.9328% | 7,858 |
| Assets per employee ($millions) | 7.3494% | 687 |
| Cash dividends to net income (ytd only)* | 29.4681% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 6,513 |
| Loan loss allowance to noncurrent loans | 260.1073% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 6,484 |
| Noncurrent loans to loans | 0.3747% | 6,529 |
| Net loans and leases to total assets | 87.4033% | 202 |
| Net loans and leases to deposits | 116.0662% | 228 |
| Net loans and leases to core deposits | 138.4788% | 861 |
| Total domestic deposits to total assets | 75.3047% | 6,808 |
| Equity capital to assets | 11.4857% | 2,330 |
| Core capital (leverage) ratio | 11.8195% | 1,749 |
| Tier 1 risk-based capital ratio | 17.7406% | 1,961 |
| Total risk-based capital ratio | 18.9916% | 1,916 |
| Memoranda: | ||
| Average total assets | $160,525,800 | 3,765 |
| Average earning assets | $154,445,000 | 3,627 |
| Average equity | $18,928,800 | 3,350 |
| Average total loans | $139,769,000 | 3,094 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7912% | 428 |
| Cost of funding earning assets | 2.9620% | 369 |
| Net interest margin | 3.8292% | 3,529 |
| Noninterest income to average assets | 0.1456% | 7,132 |
| Noninterest expense to average assets | 1.4326% | 7,913 |
| Loan and lease loss provision to assets | 0.2441% | 5,009 |
| Net operating income to assets | 1.3805% | 1,066 |
| Return on assets (ROA) | 1.3805% | 1,127 |
| Pretax return on assets | 2.1557% | 391 |
| Return on Equity (ROE) | 11.6264% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.6264% | 388 |
| Net charge-offs to loans | 0.1834% | 4,923 |
| Credit loss provision to net charge-offs | 153.4392% | 3,116 |
| Earnings coverage of net charge-offs (x) | 15.0849% | 1,552 |
| Efficiency ratio | 37.3819% | 7,960 |
| Assets per employee ($millions) | 7.3099% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 6,375 |
| Loan loss allowance to noncurrent loans | 1,046.9697% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1629% | 7,129 |
| Noncurrent loans to loans | 0.0942% | 7,247 |
| Net loans and leases to total assets | 86.2857% | 325 |
| Net loans and leases to deposits | 108.2953% | 543 |
| Net loans and leases to core deposits | 128.2281% | 1,563 |
| Total domestic deposits to total assets | 79.6763% | 5,566 |
| Equity capital to assets | 12.1828% | 2,135 |
| Core capital (leverage) ratio | 12.1166% | 1,750 |
| Tier 1 risk-based capital ratio | 19.0992% | 1,729 |
| Total risk-based capital ratio | 20.3495% | 1,687 |
| Memoranda: | ||
| Average total assets | $158,398,250 | 3,818 |
| Average earning assets | $152,506,500 | 3,682 |
| Average equity | $18,807,250 | 3,402 |
| Average total loans | $137,412,000 | 3,164 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8253% | 430 |
| Cost of funding earning assets | 3.0174% | 445 |
| Net interest margin | 3.8079% | 3,526 |
| Noninterest income to average assets | 0.1459% | 7,220 |
| Noninterest expense to average assets | 1.4417% | 7,995 |
| Loan and lease loss provision to assets | 0.1269% | 5,837 |
| Net operating income to assets | 1.4062% | 1,020 |
| Return on assets (ROA) | 1.4062% | 1,087 |
| Pretax return on assets | 2.2514% | 321 |
| Return on Equity (ROE) | 11.9489% | 1,423 |
| Retained earnings to average equity (ytd only) | 11.9489% | 451 |
| Net charge-offs to loans | 0.1993% | 4,290 |
| Credit loss provision to net charge-offs | 73.5294% | 5,353 |
| Earnings coverage of net charge-offs (x) | 13.7794% | 1,705 |
| Efficiency ratio | 37.7409% | 8,050 |
| Assets per employee ($millions) | 7.3094% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 6,780 |
| Loan loss allowance to noncurrent loans | 943.1818% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 6,718 |
| Noncurrent loans to loans | 0.0952% | 7,290 |
| Net loans and leases to total assets | 85.4844% | 437 |
| Net loans and leases to deposits | 106.8296% | 719 |
| Net loans and leases to core deposits | 125.4508% | 1,918 |
| Total domestic deposits to total assets | 80.0194% | 5,472 |
| Equity capital to assets | 11.8621% | 2,284 |
| Core capital (leverage) ratio | 11.8833% | 1,882 |
| Tier 1 risk-based capital ratio | 18.5766% | 1,866 |
| Total risk-based capital ratio | 19.7905% | 1,822 |
| Memoranda: | ||
| Average total assets | $157,592,000 | 3,871 |
| Average earning assets | $152,051,330 | 3,708 |
| Average equity | $18,545,670 | 3,460 |
| Average total loans | $136,501,330 | 3,215 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8184% | 468 |
| Cost of funding earning assets | 3.0799% | 486 |
| Net interest margin | 3.7384% | 3,722 |
| Noninterest income to average assets | 0.1564% | 7,189 |
| Noninterest expense to average assets | 1.3591% | 8,054 |
| Loan and lease loss provision to assets | 0.1410% | 5,137 |
| Net operating income to assets | 1.4617% | 1,011 |
| Return on assets (ROA) | 1.4617% | 1,087 |
| Pretax return on assets | 2.2669% | 388 |
| Return on Equity (ROE) | 12.4720% | 1,521 |
| Retained earnings to average equity (ytd only) | 12.4720% | 718 |
| Net charge-offs to loans | 0.0945% | 4,230 |
| Credit loss provision to net charge-offs | 171.8750% | 2,492 |
| Earnings coverage of net charge-offs (x) | 29.3438% | 1,074 |
| Efficiency ratio | 36.0790% | 8,108 |
| Assets per employee ($millions) | 7.2435% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 6,492 |
| Loan loss allowance to noncurrent loans | 1,609.8765% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 6,486 |
| Noncurrent loans to loans | 0.0590% | 7,366 |
| Net loans and leases to total assets | 85.3460% | 513 |
| Net loans and leases to deposits | 106.6113% | 822 |
| Net loans and leases to core deposits | 123.5142% | 2,110 |
| Total domestic deposits to total assets | 80.0535% | 5,349 |
| Equity capital to assets | 11.6406% | 2,485 |
| Core capital (leverage) ratio | 11.8569% | 1,969 |
| Tier 1 risk-based capital ratio | 18.1620% | 2,014 |
| Total risk-based capital ratio | 19.4128% | 1,965 |
| Memoranda: | ||
| Average total assets | $155,985,000 | 3,902 |
| Average earning assets | $150,652,000 | 3,737 |
| Average equity | $18,281,000 | 3,523 |
| Average total loans | $135,397,500 | 3,262 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1018% | 913 |
| Cost of funding earning assets | 3.4831% | 549 |
| Net interest margin | 3.6187% | 4,797 |
| Noninterest income to average assets | 0.1517% | 7,332 |
| Noninterest expense to average assets | 1.5019% | 8,036 |
| Loan and lease loss provision to assets | 0.3008% | 3,970 |
| Net operating income to assets | 1.3448% | 1,361 |
| Return on assets (ROA) | 1.3448% | 1,315 |
| Pretax return on assets | 1.8435% | 861 |
| Return on Equity (ROE) | 11.5384% | 1,742 |
| Retained earnings to average equity (ytd only) | 8.7570% | 641 |
| Net charge-offs to loans | 0.1274% | 4,965 |
| Credit loss provision to net charge-offs | 272.7273% | 1,683 |
| Earnings coverage of net charge-offs (x) | 19.4424% | 1,631 |
| Efficiency ratio | 41.1916% | 8,100 |
| Assets per employee ($millions) | 6.9370% | 727 |
| Cash dividends to net income (ytd only)* | 24.1054% | 4,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,349 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 6,078 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.6277% | 520 |
| Net loans and leases to deposits | 106.8936% | 1,052 |
| Net loans and leases to core deposits | 123.1817% | 2,386 |
| Total domestic deposits to total assets | 81.0411% | 4,618 |
| Equity capital to assets | 11.8023% | 2,428 |
| Core capital (leverage) ratio | 11.7920% | 2,080 |
| Tier 1 risk-based capital ratio | 18.2560% | 1,971 |
| Total risk-based capital ratio | 19.5064% | 1,921 |
| Memoranda: | ||
| Average total assets | $149,608,800 | 3,904 |
| Average earning assets | $144,470,600 | 3,746 |
| Average equity | $17,437,400 | 3,659 |
| Average total loans | $129,510,000 | 3,278 |