Home > The State National Bank of Big Spring > Performance and Condition Ratios
The State National Bank of Big Spring, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1447% | 4,495 |
| Cost of funding earning assets | 0.7029% | 3,927 |
| Net interest margin | 2.4418% | 4,150 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.0790% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4013% | 1,213 |
| Return on assets (ROA) | 1.4013% | 1,188 |
| Pretax return on assets | 1.4013% | 1,631 |
| Return on Equity (ROE) | 23.1000% | 397 |
| Retained earnings to average equity (ytd only) | 15.8871% | 275 |
| Net charge-offs to loans | -0.0042% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.5025% | 4,263 |
| Assets per employee ($millions) | 17.1588% | 144 |
| Cash dividends to net income (ytd only)* | 31.2344% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 452 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 15.9200% | 4,426 |
| Net loans and leases to deposits | 17.2203% | 4,434 |
| Net loans and leases to core deposits | 18.3532% | 4,459 |
| Total domestic deposits to total assets | 92.4700% | 233 |
| Equity capital to assets | 7.3209% | 3,808 |
| Core capital (leverage) ratio | 10.9527% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $571,193,200 | 1,550 |
| Average earning assets | $545,424,600 | 1,508 |
| Average equity | $34,644,400 | 2,066 |
| Average total loans | $95,392,000 | 3,223 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0825% | 4,512 |
| Cost of funding earning assets | 0.6281% | 3,924 |
| Net interest margin | 2.4545% | 4,189 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.0908% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4090% | 1,299 |
| Return on assets (ROA) | 1.4090% | 1,284 |
| Pretax return on assets | 1.4090% | 1,756 |
| Return on Equity (ROE) | 24.5300% | 408 |
| Retained earnings to average equity (ytd only) | 24.5346% | 142 |
| Net charge-offs to loans | -0.0056% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.6350% | 4,252 |
| Assets per employee ($millions) | 15.6646% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 661 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 18.6800% | 4,440 |
| Net loans and leases to deposits | 19.8339% | 4,452 |
| Net loans and leases to core deposits | 21.0031% | 4,438 |
| Total domestic deposits to total assets | 94.2000% | 171 |
| Equity capital to assets | 5.5632% | 4,126 |
| Core capital (leverage) ratio | 10.9921% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $568,142,000 | 1,560 |
| Average earning assets | $542,616,000 | 1,515 |
| Average equity | $32,628,000 | 2,146 |
| Average total loans | $95,566,750 | 3,229 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9790% | 4,551 |
| Cost of funding earning assets | 0.5396% | 3,908 |
| Net interest margin | 2.4395% | 4,271 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.0342% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4521% | 1,207 |
| Return on assets (ROA) | 1.4521% | 1,191 |
| Pretax return on assets | 1.4521% | 1,689 |
| Return on Equity (ROE) | 25.0400% | 382 |
| Retained earnings to average equity (ytd only) | 25.0352% | 122 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.5955% | 4,351 |
| Assets per employee ($millions) | 17.0974% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 792 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 17.7700% | 4,470 |
| Net loans and leases to deposits | 19.5474% | 4,477 |
| Net loans and leases to core deposits | 19.7677% | 4,470 |
| Total domestic deposits to total assets | 90.9200% | 678 |
| Equity capital to assets | 6.2287% | 4,091 |
| Core capital (leverage) ratio | 10.5262% | 2,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $574,769,000 | 1,544 |
| Average earning assets | $549,707,000 | 1,498 |
| Average equity | $33,337,000 | 2,126 |
| Average total loans | $92,675,000 | 3,258 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8821% | 4,585 |
| Cost of funding earning assets | 0.3798% | 4,011 |
| Net interest margin | 2.5023% | 4,297 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 0.9923% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5564% | 1,067 |
| Return on assets (ROA) | 1.5564% | 1,060 |
| Pretax return on assets | 1.5564% | 1,566 |
| Return on Equity (ROE) | 27.8300% | 297 |
| Retained earnings to average equity (ytd only) | 27.8350% | 137 |
| Net charge-offs to loans | 0.0045% | 1,808 |
| Credit loss provision to net charge-offs | -26,000.0000% | 4,692 |
| Earnings coverage of net charge-offs (x) | 2,257.0000% | 37 |
| Efficiency ratio | 38.9340% | 4,470 |
| Assets per employee ($millions) | 17.0016% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 468 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 15.2200% | 4,551 |
| Net loans and leases to deposits | 16.2603% | 4,559 |
| Net loans and leases to core deposits | 16.4355% | 4,549 |
| Total domestic deposits to total assets | 93.5900% | 216 |
| Equity capital to assets | 6.2686% | 4,118 |
| Core capital (leverage) ratio | 10.1082% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $580,047,000 | 1,553 |
| Average earning assets | $555,009,000 | 1,504 |
| Average equity | $32,434,000 | 2,192 |
| Average total loans | $88,024,000 | 3,353 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3301% | 4,557 |
| Cost of funding earning assets | 0.1103% | 4,339 |
| Net interest margin | 2.2198% | 4,470 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 0.9641% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3174% | 1,368 |
| Return on assets (ROA) | 1.3174% | 1,331 |
| Pretax return on assets | 1.3174% | 2,026 |
| Return on Equity (ROE) | 21.1700% | 381 |
| Retained earnings to average equity (ytd only) | 21.1718% | 68 |
| Net charge-offs to loans | 0.0063% | 2,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,437.0000% | 123 |
| Efficiency ratio | 42.2567% | 4,482 |
| Assets per employee ($millions) | 16.1678% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 14.4800% | 4,588 |
| Net loans and leases to deposits | 15.2378% | 4,593 |
| Net loans and leases to core deposits | 15.3678% | 4,583 |
| Total domestic deposits to total assets | 95.0300% | 134 |
| Equity capital to assets | 4.9192% | 4,378 |
| Core capital (leverage) ratio | 9.4755% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $545,399,000 | 1,619 |
| Average earning assets | $524,103,600 | 1,571 |
| Average equity | $33,936,600 | 2,158 |
| Average total loans | $79,119,400 | 3,426 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0895% | 4,589 |
| Cost of funding earning assets | 0.0845% | 4,387 |
| Net interest margin | 2.0050% | 4,548 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 0.9540% | 4,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1236% | 1,990 |
| Return on assets (ROA) | 1.1236% | 1,958 |
| Pretax return on assets | 1.1236% | 2,647 |
| Return on Equity (ROE) | 17.0900% | 778 |
| Retained earnings to average equity (ytd only) | 17.0865% | 204 |
| Net charge-offs to loans | 0.0017% | 2,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 4,519.0000% | 24 |
| Efficiency ratio | 45.9191% | 4,385 |
| Assets per employee ($millions) | 17.5263% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 250 |
| Loan loss allowance to noncurrent loans | 914.8649% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,529 |
| Noncurrent loans to loans | 0.2644% | 2,314 |
| Net loans and leases to total assets | 14.1700% | 4,626 |
| Net loans and leases to deposits | 14.7155% | 4,639 |
| Net loans and leases to core deposits | 14.8549% | 4,625 |
| Total domestic deposits to total assets | 96.2600% | 111 |
| Equity capital to assets | 3.6262% | 4,530 |
| Core capital (leverage) ratio | 9.1516% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $536,238,500 | 1,654 |
| Average earning assets | $515,765,750 | 1,603 |
| Average equity | $35,262,750 | 2,131 |
| Average total loans | $77,321,500 | 3,469 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8778% | 4,648 |
| Cost of funding earning assets | 0.0706% | 4,457 |
| Net interest margin | 1.8073% | 4,623 |
| Noninterest income to average assets | 0.1471% | 4,280 |
| Noninterest expense to average assets | 0.9717% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9119% | 2,532 |
| Return on assets (ROA) | 0.9119% | 2,500 |
| Pretax return on assets | 0.9119% | 3,016 |
| Return on Equity (ROE) | 11.8973% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.8973% | 621 |
| Net charge-offs to loans | 0.0027% | 1,987 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 2,381.0000% | 39 |
| Efficiency ratio | 51.5860% | 4,160 |
| Assets per employee ($millions) | 16.9715% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4123% | 286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 15.1287% | 4,688 |
| Net loans and leases to deposits | 16.1075% | 4,691 |
| Net loans and leases to core deposits | 16.2739% | 4,688 |
| Total domestic deposits to total assets | 93.9234% | 294 |
| Equity capital to assets | 5.9852% | 4,205 |
| Core capital (leverage) ratio | 9.6336% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $522,195,000 | 1,691 |
| Average earning assets | $501,744,333 | 1,655 |
| Average equity | $40,026,000 | 1,990 |
| Average total loans | $75,108,333 | 3,530 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7002% | 4,681 |
| Cost of funding earning assets | 0.0699% | 4,449 |
| Net interest margin | 1.6304% | 4,664 |
| Noninterest income to average assets | 0.1548% | 4,227 |
| Noninterest expense to average assets | 0.9833% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7394% | 2,892 |
| Return on assets (ROA) | 0.7394% | 2,884 |
| Pretax return on assets | 0.7394% | 3,277 |
| Return on Equity (ROE) | 8.6419% | 2,459 |
| Retained earnings to average equity (ytd only) | 8.6419% | 1,387 |
| Net charge-offs to loans | 0.0057% | 1,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 946.0000% | 92 |
| Efficiency ratio | 57.0780% | 3,770 |
| Assets per employee ($millions) | 17.0932% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8513% | 180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 13.0593% | 4,724 |
| Net loans and leases to deposits | 14.0613% | 4,728 |
| Net loans and leases to core deposits | 14.2118% | 4,724 |
| Total domestic deposits to total assets | 92.8745% | 310 |
| Equity capital to assets | 7.0458% | 4,196 |
| Core capital (leverage) ratio | 9.6430% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $511,749,000 | 1,713 |
| Average earning assets | $492,164,000 | 1,686 |
| Average equity | $43,786,500 | 1,924 |
| Average total loans | $70,566,000 | 3,605 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9036% | 4,694 |
| Cost of funding earning assets | 0.0766% | 4,554 |
| Net interest margin | 1.8270% | 4,659 |
| Noninterest income to average assets | 0.1678% | 4,318 |
| Noninterest expense to average assets | 1.0432% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8771% | 3,119 |
| Return on assets (ROA) | 0.8771% | 3,179 |
| Pretax return on assets | 0.8771% | 3,555 |
| Return on Equity (ROE) | 7.8054% | 3,280 |
| Retained earnings to average equity (ytd only) | 3.9923% | 3,223 |
| Net charge-offs to loans | 0.0121% | 2,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 454.8889% | 295 |
| Efficiency ratio | 54.3233% | 3,898 |
| Assets per employee ($millions) | 15.9229% | 179 |
| Cash dividends to net income (ytd only)* | 48.8520% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9070% | 161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 13.7495% | 4,764 |
| Net loans and leases to deposits | 15.3182% | 4,770 |
| Net loans and leases to core deposits | 15.5006% | 4,764 |
| Total domestic deposits to total assets | 89.7595% | 1,080 |
| Equity capital to assets | 10.1777% | 2,494 |
| Core capital (leverage) ratio | 10.0304% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,743,400 | 1,781 |
| Average earning assets | $447,723,800 | 1,739 |
| Average equity | $52,450,600 | 1,692 |
| Average total loans | $74,637,600 | 3,572 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9222% | 4,777 |
| Cost of funding earning assets | 0.0780% | 4,643 |
| Net interest margin | 1.8443% | 4,730 |
| Noninterest income to average assets | 0.1713% | 4,347 |
| Noninterest expense to average assets | 1.0367% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9037% | 3,239 |
| Return on assets (ROA) | 0.9037% | 3,314 |
| Pretax return on assets | 0.9037% | 3,686 |
| Return on Equity (ROE) | 7.8433% | 3,448 |
| Retained earnings to average equity (ytd only) | 7.8433% | 2,107 |
| Net charge-offs to loans | 0.0158% | 1,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 346.4444% | 401 |
| Efficiency ratio | 53.4279% | 3,881 |
| Assets per employee ($millions) | 13.8662% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6425% | 225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 16.3530% | 4,821 |
| Net loans and leases to deposits | 18.5415% | 4,827 |
| Net loans and leases to core deposits | 18.7981% | 4,824 |
| Total domestic deposits to total assets | 88.1969% | 1,720 |
| Equity capital to assets | 11.6818% | 1,549 |
| Core capital (leverage) ratio | 10.7677% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,027,000 | 1,827 |
| Average earning assets | $441,284,000 | 1,785 |
| Average equity | $53,003,750 | 1,701 |
| Average total loans | $75,821,750 | 3,600 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9029% | 4,823 |
| Cost of funding earning assets | 0.0784% | 4,706 |
| Net interest margin | 1.8246% | 4,776 |
| Noninterest income to average assets | 0.1723% | 4,345 |
| Noninterest expense to average assets | 1.0329% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8871% | 3,259 |
| Return on assets (ROA) | 0.8871% | 3,334 |
| Pretax return on assets | 0.8871% | 3,686 |
| Return on Equity (ROE) | 7.7346% | 3,481 |
| Retained earnings to average equity (ytd only) | 7.7346% | 2,180 |
| Net charge-offs to loans | 0.0291% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 185.8182% | 518 |
| Efficiency ratio | 53.7975% | 3,829 |
| Assets per employee ($millions) | 14.4868% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9096% | 167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 14.6052% | 4,869 |
| Net loans and leases to deposits | 16.5044% | 4,872 |
| Net loans and leases to core deposits | 16.7537% | 4,871 |
| Total domestic deposits to total assets | 88.4923% | 1,567 |
| Equity capital to assets | 11.4020% | 1,699 |
| Core capital (leverage) ratio | 10.2665% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $460,841,000 | 1,816 |
| Average earning assets | $441,421,667 | 1,784 |
| Average equity | $52,853,667 | 1,697 |
| Average total loans | $75,475,667 | 3,627 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0058% | 4,837 |
| Cost of funding earning assets | 0.0790% | 4,750 |
| Net interest margin | 1.9268% | 4,761 |
| Noninterest income to average assets | 0.1750% | 4,320 |
| Noninterest expense to average assets | 1.0255% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9959% | 2,816 |
| Return on assets (ROA) | 0.9959% | 2,913 |
| Pretax return on assets | 0.9959% | 3,382 |
| Return on Equity (ROE) | 8.6581% | 3,145 |
| Retained earnings to average equity (ytd only) | 8.6581% | 2,049 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7321% | 4,123 |
| Assets per employee ($millions) | 15.5713% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9935% | 149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 14.1515% | 4,902 |
| Net loans and leases to deposits | 15.9528% | 4,902 |
| Net loans and leases to core deposits | 16.1912% | 4,902 |
| Total domestic deposits to total assets | 88.7085% | 1,496 |
| Equity capital to assets | 11.2050% | 1,719 |
| Core capital (leverage) ratio | 10.4364% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,473,500 | 1,810 |
| Average earning assets | $440,315,500 | 1,779 |
| Average equity | $52,852,000 | 1,687 |
| Average total loans | $78,346,000 | 3,595 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3958% | 4,864 |
| Cost of funding earning assets | 0.1261% | 4,796 |
| Net interest margin | 2.2697% | 4,736 |
| Noninterest income to average assets | 0.1826% | 4,372 |
| Noninterest expense to average assets | 1.2323% | 4,891 |
| Loan and lease loss provision to assets | 0.0553% | 3,680 |
| Net operating income to assets | 1.0569% | 2,078 |
| Return on assets (ROA) | 1.0569% | 2,213 |
| Pretax return on assets | 1.0569% | 2,849 |
| Return on Equity (ROE) | 9.0023% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.0754% | 2,242 |
| Net charge-offs to loans | 0.0067% | 3,104 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 804.1667% | 147 |
| Efficiency ratio | 52.5612% | 4,343 |
| Assets per employee ($millions) | 13.6912% | 228 |
| Cash dividends to net income (ytd only)* | 43.6205% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3039% | 349 |
| Loan loss allowance to noncurrent loans | 204,000.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,491 |
| Noncurrent loans to loans | 0.0011% | 4,413 |
| Net loans and leases to total assets | 19.1464% | 4,891 |
| Net loans and leases to deposits | 21.7277% | 4,896 |
| Net loans and leases to core deposits | 22.0659% | 4,897 |
| Total domestic deposits to total assets | 88.1195% | 1,419 |
| Equity capital to assets | 11.8105% | 1,674 |
| Core capital (leverage) ratio | 10.5679% | 2,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $433,809,600 | 1,750 |
| Average earning assets | $413,223,800 | 1,723 |
| Average equity | $50,931,600 | 1,666 |
| Average total loans | $89,977,000 | 3,398 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4260% | 4,915 |
| Cost of funding earning assets | 0.1403% | 4,822 |
| Net interest margin | 2.2857% | 4,785 |
| Noninterest income to average assets | 0.1879% | 4,346 |
| Noninterest expense to average assets | 1.2271% | 4,930 |
| Loan and lease loss provision to assets | 0.0585% | 3,621 |
| Net operating income to assets | 1.0783% | 2,050 |
| Return on assets (ROA) | 1.0783% | 2,185 |
| Pretax return on assets | 1.0783% | 2,816 |
| Return on Equity (ROE) | 9.1988% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.1988% | 935 |
| Net charge-offs to loans | 0.0089% | 2,789 |
| Credit loss provision to net charge-offs | 3,133.3333% | 337 |
| Earnings coverage of net charge-offs (x) | 610.0000% | 198 |
| Efficiency ratio | 51.9117% | 4,354 |
| Assets per employee ($millions) | 13.0548% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 439 |
| Loan loss allowance to noncurrent loans | 198,800.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,542 |
| Noncurrent loans to loans | 0.0010% | 4,468 |
| Net loans and leases to total assets | 21.7935% | 4,912 |
| Net loans and leases to deposits | 25.0161% | 4,925 |
| Net loans and leases to core deposits | 25.4292% | 4,923 |
| Total domestic deposits to total assets | 87.1177% | 1,617 |
| Equity capital to assets | 12.7087% | 1,326 |
| Core capital (leverage) ratio | 11.1336% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8742% | 415 |
| Memoranda: | ||
| Average total assets | $429,309,750 | 1,747 |
| Average earning assets | $408,676,750 | 1,713 |
| Average equity | $50,324,250 | 1,674 |
| Average total loans | $90,335,000 | 3,408 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4747% | 4,967 |
| Cost of funding earning assets | 0.1638% | 4,848 |
| Net interest margin | 2.3109% | 4,833 |
| Noninterest income to average assets | 0.1922% | 4,319 |
| Noninterest expense to average assets | 1.2411% | 4,964 |
| Loan and lease loss provision to assets | 0.0452% | 3,727 |
| Net operating income to assets | 1.1035% | 1,952 |
| Return on assets (ROA) | 1.1035% | 2,074 |
| Pretax return on assets | 1.1035% | 2,697 |
| Return on Equity (ROE) | 9.6870% | 2,082 |
| Retained earnings to average equity (ytd only) | 9.6870% | 846 |
| Net charge-offs to loans | -0.0023% | 3,845 |
| Credit loss provision to net charge-offs | -9,700.0000% | 4,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9321% | 4,358 |
| Assets per employee ($millions) | 13.1278% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 402 |
| Loan loss allowance to noncurrent loans | 95,250.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,600 |
| Noncurrent loans to loans | 0.0022% | 4,521 |
| Net loans and leases to total assets | 20.9510% | 4,953 |
| Net loans and leases to deposits | 23.9286% | 4,962 |
| Net loans and leases to core deposits | 24.3024% | 4,962 |
| Total domestic deposits to total assets | 87.5561% | 1,398 |
| Equity capital to assets | 12.3045% | 1,475 |
| Core capital (leverage) ratio | 10.7067% | 2,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,810,333 | 1,717 |
| Average earning assets | $407,812,000 | 1,682 |
| Average equity | $48,849,000 | 1,703 |
| Average total loans | $88,488,000 | 3,446 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6415% | 5,027 |
| Cost of funding earning assets | 0.2231% | 4,834 |
| Net interest margin | 2.4184% | 4,866 |
| Noninterest income to average assets | 0.2072% | 4,308 |
| Noninterest expense to average assets | 1.2677% | 5,014 |
| Loan and lease loss provision to assets | 0.0075% | 3,663 |
| Net operating income to assets | 1.2292% | 1,432 |
| Return on assets (ROA) | 1.2292% | 1,535 |
| Pretax return on assets | 1.2292% | 2,102 |
| Return on Equity (ROE) | 11.2481% | 1,342 |
| Retained earnings to average equity (ytd only) | 11.2481% | 535 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6177% | 4,629 |
| Assets per employee ($millions) | 12.5706% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 380 |
| Loan loss allowance to noncurrent loans | 90,750.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,661 |
| Noncurrent loans to loans | 0.0024% | 4,574 |
| Net loans and leases to total assets | 18.8956% | 5,015 |
| Net loans and leases to deposits | 21.2732% | 5,025 |
| Net loans and leases to core deposits | 21.6047% | 5,024 |
| Total domestic deposits to total assets | 88.8234% | 744 |
| Equity capital to assets | 11.0702% | 2,802 |
| Core capital (leverage) ratio | 10.6249% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0417% | 232 |
| Memoranda: | ||
| Average total assets | $426,607,500 | 1,685 |
| Average earning assets | $405,220,500 | 1,652 |
| Average equity | $46,621,000 | 1,771 |
| Average total loans | $86,398,000 | 3,477 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9719% | 5,062 |
| Cost of funding earning assets | 0.2188% | 4,918 |
| Net interest margin | 2.7531% | 4,789 |
| Noninterest income to average assets | 0.2414% | 4,231 |
| Noninterest expense to average assets | 1.2349% | 5,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6149% | 806 |
| Return on assets (ROA) | 1.6149% | 866 |
| Pretax return on assets | 1.6149% | 1,444 |
| Return on Equity (ROE) | 15.2160% | 650 |
| Retained earnings to average equity (ytd only) | 11.6735% | 267 |
| Net charge-offs to loans | -0.1927% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3333% | 5,001 |
| Assets per employee ($millions) | 12.9035% | 183 |
| Cash dividends to net income (ytd only)* | 23.2811% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0029% | 457 |
| Loan loss allowance to noncurrent loans | 3,543.1373% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,604 |
| Noncurrent loans to loans | 0.0565% | 4,312 |
| Net loans and leases to total assets | 20.7635% | 5,067 |
| Net loans and leases to deposits | 23.2950% | 5,081 |
| Net loans and leases to core deposits | 23.6901% | 5,082 |
| Total domestic deposits to total assets | 89.1330% | 619 |
| Equity capital to assets | 10.7859% | 3,196 |
| Core capital (leverage) ratio | 10.5262% | 2,927 |
| Tier 1 risk-based capital ratio | 29.9767% | 474 |
| Total risk-based capital ratio | 31.2209% | 467 |
| Memoranda: | ||
| Average total assets | $398,983,600 | 1,743 |
| Average earning assets | $378,004,800 | 1,721 |
| Average equity | $42,343,600 | 1,843 |
| Average total loans | $92,361,000 | 3,351 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9684% | 5,159 |
| Cost of funding earning assets | 0.2163% | 4,998 |
| Net interest margin | 2.7520% | 4,889 |
| Noninterest income to average assets | 0.2519% | 4,231 |
| Noninterest expense to average assets | 1.2691% | 5,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5900% | 955 |
| Return on assets (ROA) | 1.5900% | 999 |
| Pretax return on assets | 1.5900% | 1,673 |
| Return on Equity (ROE) | 15.0484% | 769 |
| Retained earnings to average equity (ytd only) | 15.0484% | 147 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3890% | 4,998 |
| Assets per employee ($millions) | 12.1209% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 1,019 |
| Loan loss allowance to noncurrent loans | 3,194.1176% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 4,695 |
| Noncurrent loans to loans | 0.0497% | 4,425 |
| Net loans and leases to total assets | 25.2616% | 5,117 |
| Net loans and leases to deposits | 28.5835% | 5,133 |
| Net loans and leases to core deposits | 29.1398% | 5,138 |
| Total domestic deposits to total assets | 88.3782% | 886 |
| Equity capital to assets | 11.4148% | 2,724 |
| Core capital (leverage) ratio | 11.1733% | 2,492 |
| Tier 1 risk-based capital ratio | 28.1208% | 569 |
| Total risk-based capital ratio | 29.1795% | 563 |
| Memoranda: | ||
| Average total assets | $392,276,000 | 1,779 |
| Average earning assets | $371,644,750 | 1,752 |
| Average equity | $41,447,500 | 1,876 |
| Average total loans | $92,896,000 | 3,378 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9124% | 5,228 |
| Cost of funding earning assets | 0.2129% | 5,046 |
| Net interest margin | 2.6995% | 5,002 |
| Noninterest income to average assets | 0.2648% | 4,165 |
| Noninterest expense to average assets | 1.3000% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5227% | 1,086 |
| Return on assets (ROA) | 1.5227% | 1,132 |
| Pretax return on assets | 1.5227% | 1,781 |
| Return on Equity (ROE) | 14.8187% | 801 |
| Retained earnings to average equity (ytd only) | 14.8187% | 181 |
| Net charge-offs to loans | -0.0112% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0545% | 4,989 |
| Assets per employee ($millions) | 11.5482% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7522% | 747 |
| Loan loss allowance to noncurrent loans | 3,083.0189% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 4,726 |
| Noncurrent loans to loans | 0.0568% | 4,426 |
| Net loans and leases to total assets | 24.0418% | 5,175 |
| Net loans and leases to deposits | 27.1921% | 5,196 |
| Net loans and leases to core deposits | 27.7473% | 5,195 |
| Total domestic deposits to total assets | 88.4146% | 914 |
| Equity capital to assets | 11.4191% | 2,687 |
| Core capital (leverage) ratio | 10.8967% | 2,695 |
| Tier 1 risk-based capital ratio | 28.7811% | 526 |
| Total risk-based capital ratio | 29.9127% | 523 |
| Memoranda: | ||
| Average total assets | $389,704,330 | 1,796 |
| Average earning assets | $369,250,000 | 1,768 |
| Average equity | $40,044,000 | 1,927 |
| Average total loans | $89,637,000 | 3,469 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8393% | 5,301 |
| Cost of funding earning assets | 0.2047% | 5,107 |
| Net interest margin | 2.6346% | 5,114 |
| Noninterest income to average assets | 0.2883% | 3,947 |
| Noninterest expense to average assets | 1.2934% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4903% | 1,134 |
| Return on assets (ROA) | 1.4903% | 1,160 |
| Pretax return on assets | 1.4903% | 1,802 |
| Return on Equity (ROE) | 15.3286% | 691 |
| Retained earnings to average equity (ytd only) | 15.3286% | 258 |
| Net charge-offs to loans | -0.0091% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4624% | 5,008 |
| Assets per employee ($millions) | 12.7672% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 654 |
| Loan loss allowance to noncurrent loans | 1,482.7273% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 4,712 |
| Noncurrent loans to loans | 0.1240% | 4,183 |
| Net loans and leases to total assets | 21.9977% | 5,250 |
| Net loans and leases to deposits | 24.5070% | 5,259 |
| Net loans and leases to core deposits | 25.0015% | 5,257 |
| Total domestic deposits to total assets | 89.7610% | 541 |
| Equity capital to assets | 10.1179% | 3,705 |
| Core capital (leverage) ratio | 10.1946% | 3,389 |
| Tier 1 risk-based capital ratio | 28.6936% | 527 |
| Total risk-based capital ratio | 29.8619% | 525 |
| Memoranda: | ||
| Average total assets | $394,011,000 | 1,789 |
| Average earning assets | $373,184,500 | 1,757 |
| Average equity | $38,307,500 | 2,001 |
| Average total loans | $87,828,000 | 3,542 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5934% | 5,332 |
| Cost of funding earning assets | 0.0906% | 5,307 |
| Net interest margin | 2.5028% | 5,214 |
| Noninterest income to average assets | 0.4862% | 2,902 |
| Noninterest expense to average assets | 1.3401% | 5,286 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5067% | 1,100 |
| Return on assets (ROA) | 1.5067% | 1,087 |
| Pretax return on assets | 1.5067% | 1,760 |
| Return on Equity (ROE) | 16.4108% | 549 |
| Retained earnings to average equity (ytd only) | 12.7167% | 259 |
| Net charge-offs to loans | 0.0306% | 2,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 222.1200% | 415 |
| Efficiency ratio | 47.0740% | 5,084 |
| Assets per employee ($millions) | 11.8861% | 206 |
| Cash dividends to net income (ytd only)* | 22.5104% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 604 |
| Loan loss allowance to noncurrent loans | 1,612.8713% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,735 |
| Noncurrent loans to loans | 0.1161% | 4,202 |
| Net loans and leases to total assets | 21.7553% | 5,294 |
| Net loans and leases to deposits | 24.0162% | 5,306 |
| Net loans and leases to core deposits | 24.5457% | 5,305 |
| Total domestic deposits to total assets | 90.5859% | 301 |
| Equity capital to assets | 9.3234% | 4,298 |
| Core capital (leverage) ratio | 10.1141% | 3,444 |
| Tier 1 risk-based capital ratio | 27.9053% | 569 |
| Total risk-based capital ratio | 29.0833% | 561 |
| Memoranda: | ||
| Average total assets | $368,543,000 | 1,836 |
| Average earning assets | $347,609,800 | 1,822 |
| Average equity | $33,837,400 | 2,122 |
| Average total loans | $81,588,000 | 3,635 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5152% | 5,408 |
| Cost of funding earning assets | 0.0912% | 5,369 |
| Net interest margin | 2.4240% | 5,313 |
| Noninterest income to average assets | 0.5008% | 2,862 |
| Noninterest expense to average assets | 1.3516% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4366% | 1,370 |
| Return on assets (ROA) | 1.4366% | 1,373 |
| Pretax return on assets | 1.4366% | 2,100 |
| Return on Equity (ROE) | 15.7120% | 745 |
| Retained earnings to average equity (ytd only) | 15.7120% | 150 |
| Net charge-offs to loans | 0.0299% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 217.0500% | 417 |
| Efficiency ratio | 48.4769% | 5,029 |
| Assets per employee ($millions) | 10.7315% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8495% | 653 |
| Loan loss allowance to noncurrent loans | 1,120.5479% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 4,788 |
| Noncurrent loans to loans | 0.1651% | 4,147 |
| Net loans and leases to total assets | 23.1154% | 5,360 |
| Net loans and leases to deposits | 25.4994% | 5,375 |
| Net loans and leases to core deposits | 26.0781% | 5,376 |
| Total domestic deposits to total assets | 90.6505% | 303 |
| Equity capital to assets | 9.1935% | 4,375 |
| Core capital (leverage) ratio | 10.2069% | 3,400 |
| Tier 1 risk-based capital ratio | 27.3461% | 607 |
| Total risk-based capital ratio | 28.5175% | 603 |
| Memoranda: | ||
| Average total assets | $362,618,750 | 1,873 |
| Average earning assets | $342,180,500 | 1,850 |
| Average equity | $33,154,250 | 2,154 |
| Average total loans | $80,244,500 | 3,692 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4143% | 5,481 |
| Cost of funding earning assets | 0.0923% | 5,421 |
| Net interest margin | 2.3221% | 5,409 |
| Noninterest income to average assets | 0.3757% | 3,644 |
| Noninterest expense to average assets | 1.3603% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2068% | 2,166 |
| Return on assets (ROA) | 1.2068% | 2,164 |
| Pretax return on assets | 1.2068% | 2,917 |
| Return on Equity (ROE) | 13.2251% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.2251% | 349 |
| Net charge-offs to loans | 0.0464% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 120.1111% | 616 |
| Efficiency ratio | 52.9898% | 4,787 |
| Assets per employee ($millions) | 10.4246% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 725 |
| Loan loss allowance to noncurrent loans | 1,120.5479% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,820 |
| Noncurrent loans to loans | 0.1623% | 4,179 |
| Net loans and leases to total assets | 24.9263% | 5,401 |
| Net loans and leases to deposits | 27.5625% | 5,421 |
| Net loans and leases to core deposits | 28.2513% | 5,421 |
| Total domestic deposits to total assets | 90.4355% | 421 |
| Equity capital to assets | 9.4338% | 4,163 |
| Core capital (leverage) ratio | 10.3931% | 3,145 |
| Tier 1 risk-based capital ratio | 26.8349% | 619 |
| Total risk-based capital ratio | 28.0393% | 615 |
| Memoranda: | ||
| Average total assets | $358,290,670 | 1,895 |
| Average earning assets | $338,145,000 | 1,879 |
| Average equity | $32,695,330 | 2,183 |
| Average total loans | $77,506,670 | 3,765 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2339% | 5,555 |
| Cost of funding earning assets | 0.0929% | 5,476 |
| Net interest margin | 2.1411% | 5,519 |
| Noninterest income to average assets | 0.3165% | 4,037 |
| Noninterest expense to average assets | 1.3248% | 5,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0138% | 2,802 |
| Return on assets (ROA) | 1.0138% | 2,824 |
| Pretax return on assets | 1.0138% | 3,486 |
| Return on Equity (ROE) | 11.2979% | 1,854 |
| Retained earnings to average equity (ytd only) | 11.2979% | 827 |
| Net charge-offs to loans | 0.0056% | 2,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 913.0000% | 65 |
| Efficiency ratio | 56.6477% | 4,503 |
| Assets per employee ($millions) | 10.2150% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 464 |
| Loan loss allowance to noncurrent loans | 1,637.6238% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,970 |
| Noncurrent loans to loans | 0.1277% | 4,393 |
| Net loans and leases to total assets | 21.6608% | 5,494 |
| Net loans and leases to deposits | 23.8350% | 5,502 |
| Net loans and leases to core deposits | 24.4180% | 5,505 |
| Total domestic deposits to total assets | 90.8781% | 359 |
| Equity capital to assets | 9.0161% | 4,535 |
| Core capital (leverage) ratio | 9.8674% | 3,693 |
| Tier 1 risk-based capital ratio | 27.4482% | 592 |
| Total risk-based capital ratio | 28.6982% | 579 |
| Memoranda: | ||
| Average total assets | $360,217,500 | 1,897 |
| Average earning assets | $340,206,500 | 1,873 |
| Average equity | $32,324,500 | 2,216 |
| Average total loans | $71,268,000 | 3,942 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0747% | 5,605 |
| Cost of funding earning assets | 0.1134% | 5,439 |
| Net interest margin | 1.9613% | 5,579 |
| Noninterest income to average assets | 0.3565% | 3,916 |
| Noninterest expense to average assets | 1.4412% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7627% | 3,332 |
| Return on assets (ROA) | 0.7627% | 3,371 |
| Pretax return on assets | 0.7627% | 4,357 |
| Return on Equity (ROE) | 8.0480% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.0480% | 748 |
| Net charge-offs to loans | 0.6497% | 337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.0412% | 3,099 |
| Efficiency ratio | 65.3929% | 3,364 |
| Assets per employee ($millions) | 10.3688% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 217 |
| Loan loss allowance to noncurrent loans | 1,095.3642% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,927 |
| Noncurrent loans to loans | 0.2380% | 3,951 |
| Net loans and leases to total assets | 17.0249% | 5,585 |
| Net loans and leases to deposits | 18.7279% | 5,600 |
| Net loans and leases to core deposits | 19.3288% | 5,595 |
| Total domestic deposits to total assets | 90.9065% | 263 |
| Equity capital to assets | 8.9317% | 4,784 |
| Core capital (leverage) ratio | 9.9019% | 3,576 |
| Tier 1 risk-based capital ratio | 30.7962% | 432 |
| Total risk-based capital ratio | 32.0483% | 427 |
| Memoranda: | ||
| Average total assets | $336,030,600 | 1,977 |
| Average earning assets | $316,525,800 | 1,953 |
| Average equity | $31,846,600 | 2,229 |
| Average total loans | $56,022,400 | 4,289 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0261% | 5,676 |
| Cost of funding earning assets | 0.1186% | 5,487 |
| Net interest margin | 1.9074% | 5,656 |
| Noninterest income to average assets | 0.3697% | 3,880 |
| Noninterest expense to average assets | 1.5154% | 5,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6506% | 4,190 |
| Return on assets (ROA) | 0.6506% | 4,243 |
| Pretax return on assets | 0.6506% | 4,722 |
| Return on Equity (ROE) | 6.7580% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.7580% | 1,817 |
| Net charge-offs to loans | 0.8984% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.4028% | 3,233 |
| Efficiency ratio | 69.9626% | 2,543 |
| Assets per employee ($millions) | 10.2259% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6621% | 221 |
| Loan loss allowance to noncurrent loans | 1,094.7020% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,001 |
| Noncurrent loans to loans | 0.2432% | 4,081 |
| Net loans and leases to total assets | 18.4706% | 5,646 |
| Net loans and leases to deposits | 20.6273% | 5,654 |
| Net loans and leases to core deposits | 21.4204% | 5,649 |
| Total domestic deposits to total assets | 89.5443% | 646 |
| Equity capital to assets | 10.1519% | 3,750 |
| Core capital (leverage) ratio | 10.1654% | 3,358 |
| Tier 1 risk-based capital ratio | 30.9164% | 443 |
| Total risk-based capital ratio | 32.1695% | 444 |
| Memoranda: | ||
| Average total assets | $329,311,000 | 2,025 |
| Average earning assets | $310,150,250 | 2,000 |
| Average equity | $31,704,750 | 2,253 |
| Average total loans | $54,168,250 | 4,392 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9496% | 5,735 |
| Cost of funding earning assets | 0.1197% | 5,508 |
| Net interest margin | 1.8299% | 5,716 |
| Noninterest income to average assets | 0.3709% | 3,904 |
| Noninterest expense to average assets | 1.5600% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5339% | 4,594 |
| Return on assets (ROA) | 0.5339% | 4,629 |
| Pretax return on assets | 0.5339% | 4,947 |
| Return on Equity (ROE) | 5.6475% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.6475% | 2,326 |
| Net charge-offs to loans | 1.4439% | 128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.3683% | 3,167 |
| Efficiency ratio | 74.5007% | 1,923 |
| Assets per employee ($millions) | 9.6395% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0628% | 152 |
| Loan loss allowance to noncurrent loans | 1,068.8312% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 5,041 |
| Noncurrent loans to loans | 0.2866% | 4,014 |
| Net loans and leases to total assets | 15.8953% | 5,708 |
| Net loans and leases to deposits | 17.6975% | 5,713 |
| Net loans and leases to core deposits | 18.4068% | 5,714 |
| Total domestic deposits to total assets | 89.8167% | 596 |
| Equity capital to assets | 9.9108% | 4,015 |
| Core capital (leverage) ratio | 9.7978% | 3,780 |
| Tier 1 risk-based capital ratio | 32.9127% | 371 |
| Total risk-based capital ratio | 34.1675% | 364 |
| Memoranda: | ||
| Average total assets | $330,005,330 | 2,022 |
| Average earning assets | $310,724,670 | 2,001 |
| Average equity | $31,199,670 | 2,278 |
| Average total loans | $51,526,330 | 4,475 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9066% | 5,805 |
| Cost of funding earning assets | 0.1155% | 5,588 |
| Net interest margin | 1.7911% | 5,787 |
| Noninterest income to average assets | 0.3793% | 3,813 |
| Noninterest expense to average assets | 1.6271% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4385% | 4,820 |
| Return on assets (ROA) | 0.4385% | 4,846 |
| Pretax return on assets | 0.4385% | 5,080 |
| Return on Equity (ROE) | 4.7515% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.7515% | 3,037 |
| Net charge-offs to loans | -0.0159% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7719% | 1,523 |
| Assets per employee ($millions) | 9.5875% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4384% | 61 |
| Loan loss allowance to noncurrent loans | 990.1961% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 5,038 |
| Noncurrent loans to loans | 0.4482% | 3,486 |
| Net loans and leases to total assets | 12.9609% | 5,797 |
| Net loans and leases to deposits | 14.3256% | 5,801 |
| Net loans and leases to core deposits | 14.9077% | 5,794 |
| Total domestic deposits to total assets | 90.4742% | 482 |
| Equity capital to assets | 9.3011% | 4,510 |
| Core capital (leverage) ratio | 9.6525% | 3,920 |
| Tier 1 risk-based capital ratio | 36.4936% | 289 |
| Total risk-based capital ratio | 37.7560% | 282 |
| Memoranda: | ||
| Average total assets | $331,136,000 | 2,037 |
| Average earning assets | $311,764,500 | 2,017 |
| Average equity | $30,558,500 | 2,333 |
| Average total loans | $50,418,500 | 4,549 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8887% | 5,850 |
| Cost of funding earning assets | 0.1160% | 5,629 |
| Net interest margin | 1.7727% | 5,833 |
| Noninterest income to average assets | 0.3517% | 4,215 |
| Noninterest expense to average assets | 1.5355% | 5,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4984% | 4,643 |
| Return on assets (ROA) | 0.4984% | 4,716 |
| Pretax return on assets | 0.4984% | 5,029 |
| Return on Equity (ROE) | 5.1037% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.1037% | 2,283 |
| Net charge-offs to loans | -0.0218% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4961% | 2,069 |
| Assets per employee ($millions) | 9.3346% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6475% | 98 |
| Loan loss allowance to noncurrent loans | 989.2157% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,082 |
| Noncurrent loans to loans | 0.3687% | 3,802 |
| Net loans and leases to total assets | 16.3163% | 5,834 |
| Net loans and leases to deposits | 17.9754% | 5,840 |
| Net loans and leases to core deposits | 18.6284% | 5,841 |
| Total domestic deposits to total assets | 90.7704% | 358 |
| Equity capital to assets | 9.1537% | 4,643 |
| Core capital (leverage) ratio | 10.0553% | 3,421 |
| Tier 1 risk-based capital ratio | 32.4018% | 396 |
| Total risk-based capital ratio | 33.6612% | 390 |
| Memoranda: | ||
| Average total assets | $319,635,000 | 2,060 |
| Average earning assets | $303,325,400 | 2,021 |
| Average equity | $31,212,800 | 2,276 |
| Average total loans | $55,146,400 | 4,428 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8463% | 5,920 |
| Cost of funding earning assets | 0.1172% | 5,687 |
| Net interest margin | 1.7290% | 5,903 |
| Noninterest income to average assets | 0.3473% | 4,303 |
| Noninterest expense to average assets | 1.5297% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4631% | 4,825 |
| Return on assets (ROA) | 0.4631% | 4,903 |
| Pretax return on assets | 0.4631% | 5,204 |
| Return on Equity (ROE) | 4.6670% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.6670% | 3,046 |
| Net charge-offs to loans | -0.0194% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7628% | 1,865 |
| Assets per employee ($millions) | 8.6081% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2247% | 143 |
| Loan loss allowance to noncurrent loans | 923.8532% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,157 |
| Noncurrent loans to loans | 0.3491% | 4,000 |
| Net loans and leases to total assets | 19.5040% | 5,877 |
| Net loans and leases to deposits | 21.8107% | 5,892 |
| Net loans and leases to core deposits | 22.7401% | 5,891 |
| Total domestic deposits to total assets | 89.4240% | 712 |
| Equity capital to assets | 10.3772% | 3,711 |
| Core capital (leverage) ratio | 10.1626% | 3,367 |
| Tier 1 risk-based capital ratio | 31.4391% | 432 |
| Total risk-based capital ratio | 32.6982% | 424 |
| Memoranda: | ||
| Average total assets | $317,866,250 | 2,078 |
| Average earning assets | $302,514,250 | 2,034 |
| Average equity | $31,539,500 | 2,269 |
| Average total loans | $55,101,750 | 4,465 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7920% | 6,007 |
| Cost of funding earning assets | 0.1182% | 5,766 |
| Net interest margin | 1.6738% | 5,992 |
| Noninterest income to average assets | 0.3095% | 4,564 |
| Noninterest expense to average assets | 1.5350% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3650% | 5,137 |
| Return on assets (ROA) | 0.3650% | 5,226 |
| Pretax return on assets | 0.3650% | 5,396 |
| Return on Equity (ROE) | 3.7340% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.7340% | 3,521 |
| Net charge-offs to loans | -0.0532% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7882% | 1,403 |
| Assets per employee ($millions) | 8.9539% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8329% | 94 |
| Loan loss allowance to noncurrent loans | 926.6055% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 5,272 |
| Noncurrent loans to loans | 0.4136% | 3,873 |
| Net loans and leases to total assets | 16.1724% | 5,979 |
| Net loans and leases to deposits | 18.0568% | 5,990 |
| Net loans and leases to core deposits | 18.8438% | 5,984 |
| Total domestic deposits to total assets | 89.5640% | 651 |
| Equity capital to assets | 10.2755% | 3,891 |
| Core capital (leverage) ratio | 9.7421% | 3,882 |
| Tier 1 risk-based capital ratio | 37.5598% | 271 |
| Total risk-based capital ratio | 38.8241% | 271 |
| Memoranda: | ||
| Average total assets | $320,525,000 | 2,072 |
| Average earning assets | $304,572,330 | 2,025 |
| Average equity | $31,333,330 | 2,285 |
| Average total loans | $52,650,670 | 4,564 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8211% | 6,067 |
| Cost of funding earning assets | 0.1185% | 5,823 |
| Net interest margin | 1.7027% | 6,054 |
| Noninterest income to average assets | 0.3098% | 4,515 |
| Noninterest expense to average assets | 1.5526% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3715% | 5,076 |
| Return on assets (ROA) | 0.3715% | 5,151 |
| Pretax return on assets | 0.3715% | 5,360 |
| Return on Equity (ROE) | 3.8966% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.8966% | 3,545 |
| Net charge-offs to loans | -0.0912% | 5,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6928% | 1,526 |
| Assets per employee ($millions) | 8.9184% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3703% | 71 |
| Loan loss allowance to noncurrent loans | 470.3963% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 5,043 |
| Noncurrent loans to loans | 0.9291% | 2,524 |
| Net loans and leases to total assets | 13.7535% | 6,053 |
| Net loans and leases to deposits | 15.2622% | 6,055 |
| Net loans and leases to core deposits | 15.9328% | 6,053 |
| Total domestic deposits to total assets | 90.1147% | 554 |
| Equity capital to assets | 9.7648% | 4,381 |
| Core capital (leverage) ratio | 9.3681% | 4,402 |
| Tier 1 risk-based capital ratio | 39.5786% | 238 |
| Total risk-based capital ratio | 40.8454% | 234 |
| Memoranda: | ||
| Average total assets | $324,094,500 | 2,061 |
| Average earning assets | $307,281,000 | 2,013 |
| Average equity | $30,899,000 | 2,311 |
| Average total loans | $52,625,000 | 4,599 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8421% | 6,107 |
| Cost of funding earning assets | 0.1093% | 5,925 |
| Net interest margin | 1.7328% | 6,088 |
| Noninterest income to average assets | 0.3207% | 4,602 |
| Noninterest expense to average assets | 1.4961% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4653% | 4,828 |
| Return on assets (ROA) | 0.4758% | 4,865 |
| Pretax return on assets | 0.4758% | 5,162 |
| Return on Equity (ROE) | 5.1536% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.1536% | 2,314 |
| Net charge-offs to loans | 0.2591% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.4583% | 2,682 |
| Efficiency ratio | 76.2760% | 2,231 |
| Assets per employee ($millions) | 8.8413% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3957% | 144 |
| Loan loss allowance to noncurrent loans | 1,892.4528% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,559 |
| Noncurrent loans to loans | 0.1794% | 4,776 |
| Net loans and leases to total assets | 17.4455% | 6,087 |
| Net loans and leases to deposits | 19.2526% | 6,102 |
| Net loans and leases to core deposits | 20.0770% | 6,097 |
| Total domestic deposits to total assets | 90.6135% | 402 |
| Equity capital to assets | 9.3074% | 4,783 |
| Core capital (leverage) ratio | 9.7155% | 3,887 |
| Tier 1 risk-based capital ratio | 33.1259% | 392 |
| Total risk-based capital ratio | 34.3870% | 385 |
| Memoranda: | ||
| Average total assets | $323,649,600 | 2,026 |
| Average earning assets | $306,447,600 | 1,986 |
| Average equity | $29,881,800 | 2,327 |
| Average total loans | $55,583,000 | 4,513 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7608% | 6,205 |
| Cost of funding earning assets | 0.1090% | 6,025 |
| Net interest margin | 1.6518% | 6,192 |
| Noninterest income to average assets | 0.3168% | 4,674 |
| Noninterest expense to average assets | 1.4490% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4325% | 5,039 |
| Return on assets (ROA) | 0.4465% | 5,074 |
| Pretax return on assets | 0.4465% | 5,357 |
| Return on Equity (ROE) | 4.8463% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.8463% | 3,019 |
| Net charge-offs to loans | -0.0024% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0143% | 2,089 |
| Assets per employee ($millions) | 8.3798% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3146% | 177 |
| Loan loss allowance to noncurrent loans | 287.9518% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 4,771 |
| Noncurrent loans to loans | 1.1511% | 2,211 |
| Net loans and leases to total assets | 20.7986% | 6,127 |
| Net loans and leases to deposits | 23.2061% | 6,145 |
| Net loans and leases to core deposits | 24.0843% | 6,149 |
| Total domestic deposits to total assets | 89.6256% | 718 |
| Equity capital to assets | 10.1407% | 4,007 |
| Core capital (leverage) ratio | 9.6072% | 4,157 |
| Tier 1 risk-based capital ratio | 29.9880% | 525 |
| Total risk-based capital ratio | 31.2493% | 516 |
| Memoranda: | ||
| Average total assets | $322,780,000 | 2,045 |
| Average earning assets | $305,759,000 | 2,004 |
| Average equity | $29,740,500 | 2,349 |
| Average total loans | $54,710,000 | 4,584 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6668% | 6,286 |
| Cost of funding earning assets | 0.1051% | 6,111 |
| Net interest margin | 1.5617% | 6,276 |
| Noninterest income to average assets | 0.3074% | 4,755 |
| Noninterest expense to average assets | 1.3984% | 6,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3863% | 5,181 |
| Return on assets (ROA) | 0.3863% | 5,289 |
| Pretax return on assets | 0.3863% | 5,496 |
| Return on Equity (ROE) | 4.3250% | 4,896 |
| Retained earnings to average equity (ytd only) | 4.3250% | 3,269 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3554% | 2,011 |
| Assets per employee ($millions) | 8.2386% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1256% | 95 |
| Loan loss allowance to noncurrent loans | 215,000.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 5,927 |
| Noncurrent loans to loans | 0.0019% | 5,773 |
| Net loans and leases to total assets | 15.9595% | 6,258 |
| Net loans and leases to deposits | 17.6560% | 6,270 |
| Net loans and leases to core deposits | 18.3603% | 6,265 |
| Total domestic deposits to total assets | 90.3915% | 499 |
| Equity capital to assets | 9.4632% | 4,691 |
| Core capital (leverage) ratio | 9.0751% | 4,856 |
| Tier 1 risk-based capital ratio | 33.1143% | 422 |
| Total risk-based capital ratio | 34.3787% | 417 |
| Memoranda: | ||
| Average total assets | $329,815,330 | 2,013 |
| Average earning assets | $311,974,330 | 1,966 |
| Average equity | $29,456,670 | 2,380 |
| Average total loans | $51,315,000 | 4,713 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5928% | 6,358 |
| Cost of funding earning assets | 0.1022% | 6,198 |
| Net interest margin | 1.4906% | 6,345 |
| Noninterest income to average assets | 0.3146% | 4,677 |
| Noninterest expense to average assets | 1.3543% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3749% | 5,166 |
| Return on assets (ROA) | 0.3749% | 5,287 |
| Pretax return on assets | 0.3749% | 5,484 |
| Return on Equity (ROE) | 4.3170% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.3170% | 3,421 |
| Net charge-offs to loans | 0.0314% | 2,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 600 |
| Efficiency ratio | 78.3174% | 2,142 |
| Assets per employee ($millions) | 9.7300% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8814% | 72 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 12.2792% | 6,354 |
| Net loans and leases to deposits | 13.4764% | 6,360 |
| Net loans and leases to core deposits | 13.9654% | 6,350 |
| Total domestic deposits to total assets | 91.1162% | 331 |
| Equity capital to assets | 8.7802% | 5,521 |
| Core capital (leverage) ratio | 8.5928% | 5,428 |
| Tier 1 risk-based capital ratio | 36.2725% | 329 |
| Total risk-based capital ratio | 37.5398% | 321 |
| Memoranda: | ||
| Average total assets | $338,189,500 | 1,969 |
| Average earning assets | $320,947,000 | 1,918 |
| Average equity | $29,372,000 | 2,403 |
| Average total loans | $50,915,500 | 4,763 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6429% | 6,444 |
| Cost of funding earning assets | 0.1122% | 6,293 |
| Net interest margin | 1.5307% | 6,429 |
| Noninterest income to average assets | 0.4032% | 4,157 |
| Noninterest expense to average assets | 1.3621% | 6,373 |
| Loan and lease loss provision to assets | -0.2008% | 6,292 |
| Net operating income to assets | 0.6834% | 3,976 |
| Return on assets (ROA) | 0.7090% | 3,963 |
| Pretax return on assets | 0.7090% | 4,589 |
| Return on Equity (ROE) | 8.2983% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.2983% | 908 |
| Net charge-offs to loans | -1.6323% | 6,459 |
| Credit loss provision to net charge-offs | 89.2857% | 2,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8402% | 2,862 |
| Assets per employee ($millions) | 10.4946% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7154% | 160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 16.5912% | 6,403 |
| Net loans and leases to deposits | 18.1636% | 6,421 |
| Net loans and leases to core deposits | 18.7986% | 6,417 |
| Total domestic deposits to total assets | 91.3435% | 262 |
| Equity capital to assets | 8.5886% | 5,652 |
| Core capital (leverage) ratio | 8.8839% | 5,143 |
| Tier 1 risk-based capital ratio | 31.0585% | 470 |
| Total risk-based capital ratio | 32.3219% | 461 |
| Memoranda: | ||
| Average total assets | $323,699,200 | 2,007 |
| Average earning assets | $304,830,400 | 1,972 |
| Average equity | $27,656,400 | 2,434 |
| Average total loans | $44,598,800 | 5,010 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5946% | 6,528 |
| Cost of funding earning assets | 0.1131% | 6,365 |
| Net interest margin | 1.4814% | 6,515 |
| Noninterest income to average assets | 0.4216% | 4,085 |
| Noninterest expense to average assets | 1.4083% | 6,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4075% | 5,217 |
| Return on assets (ROA) | 0.4420% | 5,183 |
| Pretax return on assets | 0.4420% | 5,492 |
| Return on Equity (ROE) | 5.1802% | 4,637 |
| Retained earnings to average equity (ytd only) | 5.1802% | 2,969 |
| Net charge-offs to loans | -1.0691% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5590% | 2,256 |
| Assets per employee ($millions) | 9.3023% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4693% | 106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 16.2401% | 6,494 |
| Net loans and leases to deposits | 17.8543% | 6,508 |
| Net loans and leases to core deposits | 18.5212% | 6,500 |
| Total domestic deposits to total assets | 90.9592% | 377 |
| Equity capital to assets | 8.8340% | 5,521 |
| Core capital (leverage) ratio | 8.8034% | 5,334 |
| Tier 1 risk-based capital ratio | 28.2630% | 630 |
| Total risk-based capital ratio | 29.5285% | 607 |
| Memoranda: | ||
| Average total assets | $320,667,000 | 2,039 |
| Average earning assets | $301,768,750 | 2,004 |
| Average equity | $27,359,750 | 2,460 |
| Average total loans | $41,281,500 | 5,180 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5266% | 6,601 |
| Cost of funding earning assets | 0.1105% | 6,443 |
| Net interest margin | 1.4160% | 6,589 |
| Noninterest income to average assets | 0.4327% | 4,002 |
| Noninterest expense to average assets | 1.3572% | 6,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4116% | 5,174 |
| Return on assets (ROA) | 0.4632% | 5,032 |
| Pretax return on assets | 0.4632% | 5,382 |
| Return on Equity (ROE) | 5.4921% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.4921% | 2,639 |
| Net charge-offs to loans | -0.2963% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7287% | 2,499 |
| Assets per employee ($millions) | 8.9427% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1791% | 80 |
| Loan loss allowance to noncurrent loans | 14,180.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 6,253 |
| Noncurrent loans to loans | 0.0365% | 5,951 |
| Net loans and leases to total assets | 12.4417% | 6,584 |
| Net loans and leases to deposits | 13.6821% | 6,592 |
| Net loans and leases to core deposits | 14.1857% | 6,584 |
| Total domestic deposits to total assets | 90.9344% | 437 |
| Equity capital to assets | 8.8874% | 5,426 |
| Core capital (leverage) ratio | 8.6128% | 5,519 |
| Tier 1 risk-based capital ratio | 30.0185% | 522 |
| Total risk-based capital ratio | 31.2818% | 516 |
| Memoranda: | ||
| Average total assets | $322,130,000 | 2,025 |
| Average earning assets | $303,945,670 | 1,986 |
| Average equity | $27,166,330 | 2,468 |
| Average total loans | $37,119,670 | 5,372 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4269% | 6,682 |
| Cost of funding earning assets | 0.1087% | 6,537 |
| Net interest margin | 1.3182% | 6,677 |
| Noninterest income to average assets | 0.4285% | 3,962 |
| Noninterest expense to average assets | 1.3468% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3294% | 5,395 |
| Return on assets (ROA) | 0.3428% | 5,401 |
| Pretax return on assets | 0.3428% | 5,614 |
| Return on Equity (ROE) | 4.1727% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.1727% | 3,628 |
| Net charge-offs to loans | -0.6374% | 6,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3506% | 2,152 |
| Assets per employee ($millions) | 8.9768% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9693% | 49 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 10.3728% | 6,669 |
| Net loans and leases to deposits | 11.3351% | 6,672 |
| Net loans and leases to core deposits | 11.6502% | 6,666 |
| Total domestic deposits to total assets | 91.5105% | 374 |
| Equity capital to assets | 8.3531% | 5,782 |
| Core capital (leverage) ratio | 8.2170% | 5,930 |
| Tier 1 risk-based capital ratio | 30.0702% | 526 |
| Total risk-based capital ratio | 31.3340% | 518 |
| Memoranda: | ||
| Average total assets | $326,697,500 | 2,001 |
| Average earning assets | $309,206,000 | 1,954 |
| Average equity | $26,841,000 | 2,480 |
| Average total loans | $35,145,000 | 5,502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3830% | 6,755 |
| Cost of funding earning assets | 0.1194% | 6,633 |
| Net interest margin | 1.2635% | 6,745 |
| Noninterest income to average assets | 0.4520% | 4,081 |
| Noninterest expense to average assets | 1.3692% | 6,645 |
| Loan and lease loss provision to assets | -0.0441% | 6,365 |
| Net operating income to assets | 0.3222% | 5,448 |
| Return on assets (ROA) | 0.3323% | 5,509 |
| Pretax return on assets | 0.3323% | 5,638 |
| Return on Equity (ROE) | 3.9777% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.9777% | 3,365 |
| Net charge-offs to loans | -0.3931% | 6,705 |
| Credit loss provision to net charge-offs | 101.4599% | 2,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1214% | 1,735 |
| Assets per employee ($millions) | 9.1731% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9814% | 41 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 9.8625% | 6,750 |
| Net loans and leases to deposits | 10.7420% | 6,756 |
| Net loans and leases to core deposits | 11.0331% | 6,748 |
| Total domestic deposits to total assets | 91.8121% | 323 |
| Equity capital to assets | 8.0816% | 5,958 |
| Core capital (leverage) ratio | 8.2905% | 5,886 |
| Tier 1 risk-based capital ratio | 29.4193% | 527 |
| Total risk-based capital ratio | 30.6825% | 520 |
| Memoranda: | ||
| Average total assets | $315,065,200 | 2,041 |
| Average earning assets | $298,053,400 | 1,994 |
| Average equity | $26,321,600 | 2,518 |
| Average total loans | $34,855,000 | 5,545 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3683% | 6,838 |
| Cost of funding earning assets | 0.1222% | 6,718 |
| Net interest margin | 1.2461% | 6,833 |
| Noninterest income to average assets | 0.4489% | 4,166 |
| Noninterest expense to average assets | 1.3810% | 6,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2471% | 5,786 |
| Return on assets (ROA) | 0.2609% | 5,852 |
| Pretax return on assets | 0.2609% | 5,951 |
| Return on Equity (ROE) | 3.0956% | 5,569 |
| Retained earnings to average equity (ytd only) | 3.0956% | 4,464 |
| Net charge-offs to loans | -0.0229% | 6,086 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8198% | 1,497 |
| Assets per employee ($millions) | 8.4171% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0278% | 52 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 10.4122% | 6,833 |
| Net loans and leases to deposits | 11.4044% | 6,835 |
| Net loans and leases to core deposits | 11.7203% | 6,828 |
| Total domestic deposits to total assets | 91.2993% | 423 |
| Equity capital to assets | 8.4461% | 5,793 |
| Core capital (leverage) ratio | 8.5681% | 5,700 |
| Tier 1 risk-based capital ratio | 30.8925% | 478 |
| Total risk-based capital ratio | 32.1577% | 471 |
| Memoranda: | ||
| Average total assets | $311,273,500 | 2,076 |
| Average earning assets | $294,575,500 | 2,016 |
| Average equity | $26,230,000 | 2,562 |
| Average total loans | $34,908,500 | 5,593 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3259% | 6,896 |
| Cost of funding earning assets | 0.1215% | 6,777 |
| Net interest margin | 1.2044% | 6,885 |
| Noninterest income to average assets | 0.4299% | 4,307 |
| Noninterest expense to average assets | 1.3836% | 6,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1928% | 5,917 |
| Return on assets (ROA) | 0.2134% | 5,989 |
| Pretax return on assets | 0.2134% | 6,059 |
| Return on Equity (ROE) | 2.5338% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.5338% | 4,683 |
| Net charge-offs to loans | -0.0171% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7701% | 1,244 |
| Assets per employee ($millions) | 7.9499% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8514% | 68 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 11.3614% | 6,870 |
| Net loans and leases to deposits | 12.4661% | 6,882 |
| Net loans and leases to core deposits | 12.9278% | 6,873 |
| Total domestic deposits to total assets | 91.1381% | 500 |
| Equity capital to assets | 8.6709% | 5,589 |
| Core capital (leverage) ratio | 8.4749% | 5,698 |
| Tier 1 risk-based capital ratio | 30.9270% | 479 |
| Total risk-based capital ratio | 32.1928% | 470 |
| Memoranda: | ||
| Average total assets | $311,220,000 | 2,084 |
| Average earning assets | $296,247,330 | 2,006 |
| Average equity | $26,205,330 | 2,569 |
| Average total loans | $35,042,330 | 5,614 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3009% | 6,975 |
| Cost of funding earning assets | 0.1191% | 6,865 |
| Net interest margin | 1.1818% | 6,965 |
| Noninterest income to average assets | 0.4028% | 4,435 |
| Noninterest expense to average assets | 1.3285% | 6,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2039% | 5,878 |
| Return on assets (ROA) | 0.2427% | 5,877 |
| Pretax return on assets | 0.2427% | 5,982 |
| Return on Equity (ROE) | 2.9222% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.9222% | 4,528 |
| Net charge-offs to loans | -0.0230% | 5,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6939% | 1,440 |
| Assets per employee ($millions) | 8.6751% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9532% | 78 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 10.5014% | 6,951 |
| Net loans and leases to deposits | 11.4961% | 6,961 |
| Net loans and leases to core deposits | 11.9921% | 6,951 |
| Total domestic deposits to total assets | 91.3475% | 398 |
| Equity capital to assets | 8.5212% | 5,997 |
| Core capital (leverage) ratio | 8.0987% | 6,044 |
| Tier 1 risk-based capital ratio | 33.7561% | 385 |
| Total risk-based capital ratio | 35.0245% | 380 |
| Memoranda: | ||
| Average total assets | $319,757,000 | 2,046 |
| Average earning assets | $305,642,500 | 1,975 |
| Average equity | $26,555,500 | 2,562 |
| Average total loans | $34,815,500 | 5,671 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5617% | 7,020 |
| Cost of funding earning assets | 0.1485% | 6,920 |
| Net interest margin | 1.4132% | 7,003 |
| Noninterest income to average assets | 0.5058% | 3,860 |
| Noninterest expense to average assets | 1.4590% | 6,890 |
| Loan and lease loss provision to assets | -0.0583% | 6,878 |
| Net operating income to assets | 0.4560% | 4,856 |
| Return on assets (ROA) | 0.6294% | 4,360 |
| Pretax return on assets | 0.6294% | 4,896 |
| Return on Equity (ROE) | 7.0058% | 3,640 |
| Retained earnings to average equity (ytd only) | 1.4161% | 5,167 |
| Net charge-offs to loans | -0.4799% | 7,000 |
| Credit loss provision to net charge-offs | 100.5780% | 3,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5792% | 2,351 |
| Assets per employee ($millions) | 8.8436% | 343 |
| Cash dividends to net income (ytd only)* | 79.7872% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9668% | 71 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 9.9889% | 7,013 |
| Net loans and leases to deposits | 10.8793% | 7,022 |
| Net loans and leases to core deposits | 11.2558% | 7,013 |
| Total domestic deposits to total assets | 91.8160% | 279 |
| Equity capital to assets | 8.0984% | 6,352 |
| Core capital (leverage) ratio | 8.4476% | 5,697 |
| Tier 1 risk-based capital ratio | 35.7620% | 325 |
| Total risk-based capital ratio | 37.0326% | 318 |
| Memoranda: | ||
| Average total assets | $298,707,000 | 2,147 |
| Average earning assets | $285,526,000 | 2,071 |
| Average equity | $26,834,800 | 2,495 |
| Average total loans | $36,047,800 | 5,678 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6154% | 7,128 |
| Cost of funding earning assets | 0.1587% | 7,018 |
| Net interest margin | 1.4568% | 7,111 |
| Noninterest income to average assets | 0.5501% | 3,611 |
| Noninterest expense to average assets | 1.4893% | 6,946 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4463% | 5,050 |
| Return on assets (ROA) | 0.5926% | 4,689 |
| Pretax return on assets | 0.5926% | 5,190 |
| Return on Equity (ROE) | 6.4192% | 4,110 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,421 |
| Net charge-offs to loans | -0.6012% | 7,104 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9431% | 2,531 |
| Assets per employee ($millions) | 7.7535% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0126% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 14.7896% | 7,081 |
| Net loans and leases to deposits | 16.4217% | 7,098 |
| Net loans and leases to core deposits | 17.0136% | 7,090 |
| Total domestic deposits to total assets | 90.0609% | 816 |
| Equity capital to assets | 9.6738% | 4,958 |
| Core capital (leverage) ratio | 9.0715% | 4,961 |
| Tier 1 risk-based capital ratio | 32.3033% | 432 |
| Total risk-based capital ratio | 33.5724% | 421 |
| Memoranda: | ||
| Average total assets | $291,580,750 | 2,220 |
| Average earning assets | $277,316,000 | 2,136 |
| Average equity | $26,918,750 | 2,507 |
| Average total loans | $36,370,000 | 5,734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5616% | 7,200 |
| Cost of funding earning assets | 0.1621% | 7,091 |
| Net interest margin | 1.3994% | 7,186 |
| Noninterest income to average assets | 0.5410% | 3,648 |
| Noninterest expense to average assets | 1.4873% | 7,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3964% | 5,220 |
| Return on assets (ROA) | 0.5458% | 4,882 |
| Pretax return on assets | 0.5458% | 5,321 |
| Return on Equity (ROE) | 6.0058% | 4,330 |
| Retained earnings to average equity (ytd only) | 6.0058% | 2,714 |
| Net charge-offs to loans | -0.9404% | 7,175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9569% | 2,332 |
| Assets per employee ($millions) | 7.5184% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7994% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 12.6955% | 7,165 |
| Net loans and leases to deposits | 14.0535% | 7,175 |
| Net loans and leases to core deposits | 14.7668% | 7,167 |
| Total domestic deposits to total assets | 90.3371% | 743 |
| Equity capital to assets | 9.4718% | 5,101 |
| Core capital (leverage) ratio | 8.8703% | 5,091 |
| Tier 1 risk-based capital ratio | 32.5274% | 416 |
| Total risk-based capital ratio | 33.7971% | 409 |
| Memoranda: | ||
| Average total assets | $293,148,330 | 2,202 |
| Average earning assets | $281,257,670 | 2,115 |
| Average equity | $26,641,000 | 2,512 |
| Average total loans | $33,604,330 | 5,887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5060% | 7,266 |
| Cost of funding earning assets | 0.1670% | 7,153 |
| Net interest margin | 1.3390% | 7,253 |
| Noninterest income to average assets | 0.4756% | 4,099 |
| Noninterest expense to average assets | 1.4969% | 7,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2641% | 5,770 |
| Return on assets (ROA) | 0.5174% | 4,960 |
| Pretax return on assets | 0.5174% | 5,370 |
| Return on Equity (ROE) | 5.8114% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.8114% | 3,065 |
| Net charge-offs to loans | -0.2183% | 7,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0038% | 1,581 |
| Assets per employee ($millions) | 7.7316% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7896% | 54 |
| Loan loss allowance to noncurrent loans | 34,850.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,954 |
| Noncurrent loans to loans | 0.0195% | 6,728 |
| Net loans and leases to total assets | 9.7706% | 7,239 |
| Net loans and leases to deposits | 10.7559% | 7,250 |
| Net loans and leases to core deposits | 11.2915% | 7,242 |
| Total domestic deposits to total assets | 90.8394% | 622 |
| Equity capital to assets | 9.0143% | 5,475 |
| Core capital (leverage) ratio | 8.4599% | 5,658 |
| Tier 1 risk-based capital ratio | 35.7534% | 321 |
| Total risk-based capital ratio | 37.0248% | 311 |
| Memoranda: | ||
| Average total assets | $296,872,500 | 2,185 |
| Average earning assets | $284,987,000 | 2,099 |
| Average equity | $26,431,000 | 2,533 |
| Average total loans | $31,154,500 | 6,054 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8980% | 7,297 |
| Cost of funding earning assets | 0.2715% | 7,149 |
| Net interest margin | 1.6265% | 7,279 |
| Noninterest income to average assets | 0.4620% | 4,116 |
| Noninterest expense to average assets | 1.6072% | 7,113 |
| Loan and lease loss provision to assets | -0.0325% | 7,233 |
| Net operating income to assets | 0.4498% | 4,642 |
| Return on assets (ROA) | 0.6939% | 3,702 |
| Pretax return on assets | 0.6939% | 4,340 |
| Return on Equity (ROE) | 7.2610% | 3,274 |
| Retained earnings to average equity (ytd only) | 1.6001% | 5,070 |
| Net charge-offs to loans | -0.2189% | 7,218 |
| Credit loss provision to net charge-offs | 118.4211% | 2,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3871% | 2,389 |
| Assets per employee ($millions) | 7.6909% | 527 |
| Cash dividends to net income (ytd only)* | 77.9626% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5848% | 65 |
| Loan loss allowance to noncurrent loans | 29,642.8571% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 7,013 |
| Noncurrent loans to loans | 0.0222% | 6,772 |
| Net loans and leases to total assets | 9.8142% | 7,292 |
| Net loans and leases to deposits | 10.7711% | 7,299 |
| Net loans and leases to core deposits | 11.1159% | 7,289 |
| Total domestic deposits to total assets | 91.1153% | 461 |
| Equity capital to assets | 8.7943% | 5,801 |
| Core capital (leverage) ratio | 8.3880% | 5,733 |
| Tier 1 risk-based capital ratio | 33.8161% | 367 |
| Total risk-based capital ratio | 35.0861% | 361 |
| Memoranda: | ||
| Average total assets | $277,256,000 | 2,287 |
| Average earning assets | $266,333,400 | 2,194 |
| Average equity | $26,497,600 | 2,434 |
| Average total loans | $34,717,800 | 5,927 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9960% | 7,367 |
| Cost of funding earning assets | 0.2913% | 7,224 |
| Net interest margin | 1.7046% | 7,349 |
| Noninterest income to average assets | 0.4644% | 4,176 |
| Noninterest expense to average assets | 1.6358% | 7,151 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4688% | 4,680 |
| Return on assets (ROA) | 0.7482% | 3,553 |
| Pretax return on assets | 0.7482% | 4,317 |
| Return on Equity (ROE) | 7.6598% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.6598% | 1,643 |
| Net charge-offs to loans | -0.2327% | 7,278 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7233% | 2,584 |
| Assets per employee ($millions) | 6.8276% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0283% | 44 |
| Loan loss allowance to noncurrent loans | 23,900.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,082 |
| Noncurrent loans to loans | 0.0294% | 6,865 |
| Net loans and leases to total assets | 9.6918% | 7,368 |
| Net loans and leases to deposits | 10.7380% | 7,377 |
| Net loans and leases to core deposits | 11.0838% | 7,364 |
| Total domestic deposits to total assets | 90.2574% | 743 |
| Equity capital to assets | 9.4813% | 5,116 |
| Core capital (leverage) ratio | 9.3510% | 4,375 |
| Tier 1 risk-based capital ratio | 37.4492% | 291 |
| Total risk-based capital ratio | 38.7226% | 289 |
| Memoranda: | ||
| Average total assets | $271,584,000 | 2,343 |
| Average earning assets | $261,319,250 | 2,237 |
| Average equity | $26,527,500 | 2,440 |
| Average total loans | $35,519,250 | 5,945 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1074% | 7,439 |
| Cost of funding earning assets | 0.3177% | 7,283 |
| Net interest margin | 1.7896% | 7,409 |
| Noninterest income to average assets | 0.4844% | 3,986 |
| Noninterest expense to average assets | 1.7536% | 7,129 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4488% | 4,728 |
| Return on assets (ROA) | 0.8159% | 3,128 |
| Pretax return on assets | 0.8159% | 3,964 |
| Return on Equity (ROE) | 8.2633% | 2,829 |
| Retained earnings to average equity (ytd only) | 8.2633% | 1,361 |
| Net charge-offs to loans | -0.3230% | 7,354 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6220% | 2,448 |
| Assets per employee ($millions) | 5.8911% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5583% | 139 |
| Loan loss allowance to noncurrent loans | 21,490.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,125 |
| Noncurrent loans to loans | 0.0259% | 6,924 |
| Net loans and leases to total assets | 14.0867% | 7,419 |
| Net loans and leases to deposits | 15.7743% | 7,434 |
| Net loans and leases to core deposits | 16.4960% | 7,426 |
| Total domestic deposits to total assets | 89.3017% | 1,356 |
| Equity capital to assets | 10.4545% | 3,567 |
| Core capital (leverage) ratio | 9.8117% | 3,506 |
| Tier 1 risk-based capital ratio | 36.4350% | 313 |
| Total risk-based capital ratio | 37.7070% | 305 |
| Memoranda: | ||
| Average total assets | $264,249,670 | 2,411 |
| Average earning assets | $253,681,670 | 2,297 |
| Average equity | $26,091,330 | 2,453 |
| Average total loans | $37,157,330 | 5,930 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0982% | 7,503 |
| Cost of funding earning assets | 0.3252% | 7,358 |
| Net interest margin | 1.7730% | 7,458 |
| Noninterest income to average assets | 0.4963% | 3,922 |
| Noninterest expense to average assets | 1.7153% | 7,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4813% | 4,569 |
| Return on assets (ROA) | 0.6777% | 3,688 |
| Pretax return on assets | 0.6777% | 4,393 |
| Return on Equity (ROE) | 7.0660% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.0660% | 2,119 |
| Net charge-offs to loans | -0.5714% | 7,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0887% | 2,830 |
| Assets per employee ($millions) | 6.1827% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4209% | 84 |
| Loan loss allowance to noncurrent loans | 17,841.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 7,194 |
| Noncurrent loans to loans | 0.0360% | 6,966 |
| Net loans and leases to total assets | 11.7368% | 7,491 |
| Net loans and leases to deposits | 13.0275% | 7,503 |
| Net loans and leases to core deposits | 13.6929% | 7,491 |
| Total domestic deposits to total assets | 90.0924% | 1,099 |
| Equity capital to assets | 9.7199% | 4,148 |
| Core capital (leverage) ratio | 9.3548% | 4,047 |
| Tier 1 risk-based capital ratio | 34.9968% | 350 |
| Total risk-based capital ratio | 36.2689% | 343 |
| Memoranda: | ||
| Average total assets | $266,770,000 | 2,411 |
| Average earning assets | $255,840,500 | 2,307 |
| Average equity | $25,587,500 | 2,485 |
| Average total loans | $36,404,500 | 6,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9040% | 7,505 |
| Cost of funding earning assets | 0.4964% | 7,303 |
| Net interest margin | 2.4077% | 7,314 |
| Noninterest income to average assets | 0.3873% | 4,998 |
| Noninterest expense to average assets | 1.9887% | 7,041 |
| Loan and lease loss provision to assets | -0.0660% | 7,597 |
| Net operating income to assets | 0.7441% | 3,025 |
| Return on assets (ROA) | 0.8556% | 2,703 |
| Pretax return on assets | 0.8556% | 3,457 |
| Return on Equity (ROE) | 7.5355% | 2,882 |
| Retained earnings to average equity (ytd only) | 0.0375% | 5,562 |
| Net charge-offs to loans | -0.3326% | 7,575 |
| Credit loss provision to net charge-offs | 111.5108% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5730% | 3,284 |
| Assets per employee ($millions) | 6.2252% | 1,075 |
| Cash dividends to net income (ytd only)* | 99.5025% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2933% | 160 |
| Loan loss allowance to noncurrent loans | 16,069.2308% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,258 |
| Noncurrent loans to loans | 0.0329% | 7,049 |
| Net loans and leases to total assets | 13.9628% | 7,570 |
| Net loans and leases to deposits | 15.5785% | 7,581 |
| Net loans and leases to core deposits | 16.2988% | 7,567 |
| Total domestic deposits to total assets | 89.6288% | 1,306 |
| Equity capital to assets | 9.4642% | 4,447 |
| Core capital (leverage) ratio | 10.0280% | 3,063 |
| Tier 1 risk-based capital ratio | 33.2241% | 404 |
| Total risk-based capital ratio | 34.4936% | 390 |
| Memoranda: | ||
| Average total assets | $234,930,400 | 2,690 |
| Average earning assets | $222,414,200 | 2,601 |
| Average equity | $26,673,800 | 2,400 |
| Average total loans | $41,794,800 | 5,846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0796% | 7,615 |
| Cost of funding earning assets | 0.5398% | 7,388 |
| Net interest margin | 2.5398% | 7,349 |
| Noninterest income to average assets | 0.3710% | 5,187 |
| Noninterest expense to average assets | 1.9634% | 7,115 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8062% | 2,974 |
| Return on assets (ROA) | 0.9279% | 2,636 |
| Pretax return on assets | 0.9279% | 3,455 |
| Return on Equity (ROE) | 7.7899% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.7899% | 1,488 |
| Net charge-offs to loans | -0.3650% | 7,663 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8917% | 3,900 |
| Assets per employee ($millions) | 5.0610% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1659% | 322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 22.4345% | 7,588 |
| Net loans and leases to deposits | 25.7345% | 7,620 |
| Net loans and leases to core deposits | 27.0608% | 7,608 |
| Total domestic deposits to total assets | 87.1768% | 2,430 |
| Equity capital to assets | 12.5005% | 1,860 |
| Core capital (leverage) ratio | 11.4584% | 1,965 |
| Tier 1 risk-based capital ratio | 30.9940% | 476 |
| Total risk-based capital ratio | 32.2618% | 466 |
| Memoranda: | ||
| Average total assets | $226,742,250 | 2,831 |
| Average earning assets | $214,133,250 | 2,737 |
| Average equity | $27,008,750 | 2,411 |
| Average total loans | $42,377,250 | 5,902 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0923% | 7,699 |
| Cost of funding earning assets | 0.5746% | 7,446 |
| Net interest margin | 2.5177% | 7,405 |
| Noninterest income to average assets | 0.3860% | 5,025 |
| Noninterest expense to average assets | 1.9708% | 7,156 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7880% | 3,026 |
| Return on assets (ROA) | 0.7950% | 3,143 |
| Pretax return on assets | 0.7950% | 3,901 |
| Return on Equity (ROE) | 6.7868% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.7868% | 1,930 |
| Net charge-offs to loans | 0.0052% | 6,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 892.0000% | 27 |
| Efficiency ratio | 71.4377% | 3,914 |
| Assets per employee ($millions) | 4.9419% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0335% | 170 |
| Loan loss allowance to noncurrent loans | 1,357.4194% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 7,223 |
| Noncurrent loans to loans | 0.3708% | 6,499 |
| Net loans and leases to total assets | 17.4620% | 7,710 |
| Net loans and leases to deposits | 19.9114% | 7,732 |
| Net loans and leases to core deposits | 20.8742% | 7,726 |
| Total domestic deposits to total assets | 87.6984% | 2,163 |
| Equity capital to assets | 12.0390% | 2,077 |
| Core capital (leverage) ratio | 11.2371% | 2,078 |
| Tier 1 risk-based capital ratio | 34.2847% | 371 |
| Total risk-based capital ratio | 35.5541% | 364 |
| Memoranda: | ||
| Average total assets | $226,408,670 | 2,857 |
| Average earning assets | $213,369,330 | 2,767 |
| Average equity | $26,522,000 | 2,448 |
| Average total loans | $38,731,670 | 6,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1228% | 7,787 |
| Cost of funding earning assets | 0.5762% | 7,565 |
| Net interest margin | 2.5466% | 7,432 |
| Noninterest income to average assets | 0.3505% | 5,335 |
| Noninterest expense to average assets | 1.9491% | 7,254 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7878% | 3,022 |
| Return on assets (ROA) | 0.7878% | 3,138 |
| Pretax return on assets | 0.7878% | 3,921 |
| Return on Equity (ROE) | 6.8202% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.8202% | 2,210 |
| Net charge-offs to loans | 0.1075% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 621 |
| Efficiency ratio | 71.2160% | 4,082 |
| Assets per employee ($millions) | 5.2399% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9556% | 102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 14.6824% | 7,836 |
| Net loans and leases to deposits | 16.6724% | 7,851 |
| Net loans and leases to core deposits | 17.5823% | 7,837 |
| Total domestic deposits to total assets | 88.0644% | 2,023 |
| Equity capital to assets | 11.7004% | 2,229 |
| Core capital (leverage) ratio | 10.8841% | 2,301 |
| Tier 1 risk-based capital ratio | 34.1763% | 378 |
| Total risk-based capital ratio | 35.4470% | 370 |
| Memoranda: | ||
| Average total assets | $225,949,000 | 2,920 |
| Average earning assets | $211,730,000 | 2,859 |
| Average equity | $26,099,000 | 2,507 |
| Average total loans | $37,197,500 | 6,254 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 7,791 |
| Cost of funding earning assets | 0.6975% | 7,688 |
| Net interest margin | 2.9800% | 6,699 |
| Noninterest income to average assets | 0.3720% | 5,427 |
| Noninterest expense to average assets | 2.1103% | 7,166 |
| Loan and lease loss provision to assets | -0.0277% | 7,968 |
| Net operating income to assets | 1.1095% | 1,486 |
| Return on assets (ROA) | 1.1496% | 1,410 |
| Pretax return on assets | 1.1496% | 2,098 |
| Return on Equity (ROE) | 9.3050% | 1,921 |
| Retained earnings to average equity (ytd only) | 1.8431% | 3,804 |
| Net charge-offs to loans | -0.1464% | 7,902 |
| Credit loss provision to net charge-offs | 105.2632% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1083% | 5,375 |
| Assets per employee ($millions) | 5.2693% | 1,862 |
| Cash dividends to net income (ytd only)* | 80.1925% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3674% | 134 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 16.3796% | 7,899 |
| Net loans and leases to deposits | 18.5303% | 7,921 |
| Net loans and leases to core deposits | 21.7296% | 7,914 |
| Total domestic deposits to total assets | 88.3936% | 1,776 |
| Equity capital to assets | 11.4021% | 2,390 |
| Core capital (leverage) ratio | 11.4745% | 1,929 |
| Tier 1 risk-based capital ratio | 34.0525% | 370 |
| Total risk-based capital ratio | 35.3235% | 361 |
| Memoranda: | ||
| Average total assets | $216,939,800 | 2,985 |
| Average earning assets | $205,298,800 | 2,901 |
| Average equity | $26,802,800 | 2,463 |
| Average total loans | $38,931,600 | 6,163 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8057% | 7,864 |
| Cost of funding earning assets | 0.7370% | 7,773 |
| Net interest margin | 3.0687% | 6,405 |
| Noninterest income to average assets | 0.3692% | 5,559 |
| Noninterest expense to average assets | 1.9745% | 7,430 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3058% | 1,202 |
| Return on assets (ROA) | 1.3455% | 1,194 |
| Pretax return on assets | 1.3455% | 1,830 |
| Return on Equity (ROE) | 10.6734% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.6734% | 516 |
| Net charge-offs to loans | -0.1578% | 7,957 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1933% | 6,388 |
| Assets per employee ($millions) | 4.6408% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4836% | 212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 22.9953% | 7,915 |
| Net loans and leases to deposits | 26.9206% | 7,937 |
| Net loans and leases to core deposits | 32.5965% | 7,935 |
| Total domestic deposits to total assets | 85.4190% | 3,012 |
| Equity capital to assets | 14.2272% | 1,229 |
| Core capital (leverage) ratio | 12.8460% | 1,431 |
| Tier 1 risk-based capital ratio | 34.2051% | 403 |
| Total risk-based capital ratio | 35.4747% | 393 |
| Memoranda: | ||
| Average total assets | $214,529,500 | 3,030 |
| Average earning assets | $203,515,500 | 2,938 |
| Average equity | $27,044,750 | 2,470 |
| Average total loans | $38,860,000 | 6,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 7,954 |
| Cost of funding earning assets | 0.7671% | 7,857 |
| Net interest margin | 3.0923% | 6,271 |
| Noninterest income to average assets | 0.3681% | 5,564 |
| Noninterest expense to average assets | 1.9752% | 7,504 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3311% | 1,157 |
| Return on assets (ROA) | 1.3311% | 1,232 |
| Pretax return on assets | 1.3311% | 1,929 |
| Return on Equity (ROE) | 10.9866% | 1,705 |
| Retained earnings to average equity (ytd only) | 10.9866% | 568 |
| Net charge-offs to loans | -0.2402% | 8,044 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7410% | 6,589 |
| Assets per employee ($millions) | 4.8741% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4941% | 97 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 18.0741% | 8,052 |
| Net loans and leases to deposits | 20.8888% | 8,078 |
| Net loans and leases to core deposits | 24.8965% | 8,063 |
| Total domestic deposits to total assets | 86.5250% | 2,499 |
| Equity capital to assets | 13.0983% | 1,655 |
| Core capital (leverage) ratio | 11.4902% | 2,092 |
| Tier 1 risk-based capital ratio | 35.4931% | 402 |
| Total risk-based capital ratio | 36.7647% | 400 |
| Memoranda: | ||
| Average total assets | $219,521,330 | 2,984 |
| Average earning assets | $208,584,670 | 2,886 |
| Average equity | $26,596,000 | 2,514 |
| Average total loans | $35,799,330 | 6,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 8,028 |
| Cost of funding earning assets | 0.8321% | 7,880 |
| Net interest margin | 3.0077% | 6,463 |
| Noninterest income to average assets | 0.3402% | 5,736 |
| Noninterest expense to average assets | 1.9672% | 7,419 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2339% | 1,546 |
| Return on assets (ROA) | 1.2339% | 1,658 |
| Pretax return on assets | 1.2339% | 2,500 |
| Return on Equity (ROE) | 10.5712% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.5712% | 1,060 |
| Net charge-offs to loans | -0.2931% | 8,061 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4537% | 6,163 |
| Assets per employee ($millions) | 5.1410% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4906% | 54 |
| Loan loss allowance to noncurrent loans | 5,613.1579% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 7,582 |
| Noncurrent loans to loans | 0.1156% | 7,194 |
| Net loans and leases to total assets | 13.9011% | 8,140 |
| Net loans and leases to deposits | 15.9467% | 8,159 |
| Net loans and leases to core deposits | 19.1895% | 8,145 |
| Total domestic deposits to total assets | 87.1719% | 2,138 |
| Equity capital to assets | 12.0288% | 2,240 |
| Core capital (leverage) ratio | 10.6686% | 2,767 |
| Tier 1 risk-based capital ratio | 33.2847% | 483 |
| Total risk-based capital ratio | 34.5545% | 476 |
| Memoranda: | ||
| Average total assets | $226,925,500 | 2,904 |
| Average earning assets | $215,844,000 | 2,811 |
| Average equity | $26,487,000 | 2,528 |
| Average total loans | $34,123,500 | 6,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 8,025 |
| Cost of funding earning assets | 1.5057% | 7,601 |
| Net interest margin | 3.0300% | 6,838 |
| Noninterest income to average assets | 0.3823% | 5,618 |
| Noninterest expense to average assets | 2.0210% | 7,402 |
| Loan and lease loss provision to assets | -0.0952% | 8,253 |
| Net operating income to assets | 1.2692% | 1,569 |
| Return on assets (ROA) | 1.5045% | 973 |
| Pretax return on assets | 1.5045% | 1,673 |
| Return on Equity (ROE) | 13.0270% | 1,320 |
| Retained earnings to average equity (ytd only) | 3.4370% | 3,003 |
| Net charge-offs to loans | -0.5698% | 8,219 |
| Credit loss provision to net charge-offs | 104.8780% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2557% | 5,722 |
| Assets per employee ($millions) | 5.1731% | 1,753 |
| Cash dividends to net income (ytd only)* | 73.6160% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9575% | 56 |
| Loan loss allowance to noncurrent loans | 5,547.3684% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 7,540 |
| Noncurrent loans to loans | 0.1074% | 7,091 |
| Net loans and leases to total assets | 14.2945% | 8,194 |
| Net loans and leases to deposits | 16.1810% | 8,207 |
| Net loans and leases to core deposits | 19.2460% | 8,201 |
| Total domestic deposits to total assets | 88.3414% | 1,316 |
| Equity capital to assets | 11.3334% | 2,764 |
| Core capital (leverage) ratio | 10.3311% | 3,143 |
| Tier 1 risk-based capital ratio | 31.9767% | 549 |
| Total risk-based capital ratio | 33.2456% | 535 |
| Memoranda: | ||
| Average total assets | $225,725,600 | 2,821 |
| Average earning assets | $209,538,000 | 2,778 |
| Average equity | $26,069,000 | 2,554 |
| Average total loans | $35,979,800 | 6,368 |