Home > ValueBank Texas > Performance and Condition Ratios
ValueBank Texas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2854% | 1,519 |
| Cost of funding earning assets | 0.4313% | 4,263 |
| Net interest margin | 4.8541% | 388 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 3.4269% | 634 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.6629% | 776 |
| Return on assets (ROA) | 1.6554% | 759 |
| Pretax return on assets | 2.0855% | 589 |
| Return on Equity (ROE) | 15.2700% | 1,234 |
| Retained earnings to average equity (ytd only) | 4.2250% | 2,886 |
| Net charge-offs to loans | -0.0874% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.3823% | 2,928 |
| Assets per employee ($millions) | 3.2446% | 4,341 |
| Cash dividends to net income (ytd only)* | 72.3309% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,595 |
| 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 | 49.8700% | 3,603 |
| Net loans and leases to deposits | 57.0770% | 3,663 |
| Net loans and leases to core deposits | 58.3303% | 3,825 |
| Total domestic deposits to total assets | 87.3800% | 1,566 |
| Equity capital to assets | 11.3777% | 1,336 |
| Core capital (leverage) ratio | 12.2424% | 1,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $296,478,000 | 2,439 |
| Average earning assets | $274,756,000 | 2,439 |
| Average equity | $32,142,000 | 2,181 |
| Average total loans | $147,609,000 | 2,691 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 1,522 |
| Cost of funding earning assets | 0.3827% | 4,276 |
| Net interest margin | 4.7790% | 423 |
| Noninterest income to average assets | 1.0900% | 560 |
| Noninterest expense to average assets | 3.3270% | 697 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.6926% | 804 |
| Return on assets (ROA) | 1.6922% | 793 |
| Pretax return on assets | 2.1218% | 626 |
| Return on Equity (ROE) | 15.8000% | 1,291 |
| Retained earnings to average equity (ytd only) | 7.8522% | 2,016 |
| Net charge-offs to loans | -0.1219% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.1734% | 2,945 |
| Assets per employee ($millions) | 3.3183% | 4,355 |
| Cash dividends to net income (ytd only)* | 50.3045% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,473 |
| 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 | 48.1400% | 3,731 |
| Net loans and leases to deposits | 54.9655% | 3,752 |
| Net loans and leases to core deposits | 56.0099% | 3,854 |
| Total domestic deposits to total assets | 87.5800% | 1,710 |
| Equity capital to assets | 11.0680% | 1,324 |
| Core capital (leverage) ratio | 12.2960% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $297,594,750 | 2,440 |
| Average earning assets | $276,311,250 | 2,439 |
| Average equity | $31,871,500 | 2,172 |
| Average total loans | $147,607,250 | 2,703 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 1,557 |
| Cost of funding earning assets | 0.3275% | 4,277 |
| Net interest margin | 4.6772% | 475 |
| Noninterest income to average assets | 1.0000% | 566 |
| Noninterest expense to average assets | 3.2813% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6449% | 884 |
| Return on assets (ROA) | 1.6443% | 887 |
| Pretax return on assets | 2.0604% | 675 |
| Return on Equity (ROE) | 15.5200% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.0547% | 978 |
| Net charge-offs to loans | 0.0054% | 2,065 |
| Credit loss provision to net charge-offs | 75.0000% | 1,572 |
| Earnings coverage of net charge-offs (x) | 772.2500% | 194 |
| Efficiency ratio | 61.3972% | 2,789 |
| Assets per employee ($millions) | 3.0459% | 4,427 |
| Cash dividends to net income (ytd only)* | 22.3396% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,663 |
| 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 | 48.8200% | 3,639 |
| Net loans and leases to deposits | 55.6777% | 3,664 |
| Net loans and leases to core deposits | 56.9479% | 3,773 |
| Total domestic deposits to total assets | 87.6800% | 1,712 |
| Equity capital to assets | 11.1454% | 1,325 |
| Core capital (leverage) ratio | 12.3040% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $299,455,000 | 2,440 |
| Average earning assets | $278,455,000 | 2,432 |
| Average equity | $31,722,000 | 2,194 |
| Average total loans | $149,288,333 | 2,679 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 1,538 |
| Cost of funding earning assets | 0.2737% | 4,247 |
| Net interest margin | 4.5615% | 531 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 3.1897% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6355% | 927 |
| Return on assets (ROA) | 1.6344% | 924 |
| Pretax return on assets | 2.0463% | 715 |
| Return on Equity (ROE) | 15.8300% | 1,393 |
| Retained earnings to average equity (ytd only) | 15.8272% | 708 |
| Net charge-offs to loans | 0.0053% | 1,776 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 776.5000% | 144 |
| Efficiency ratio | 60.8718% | 2,838 |
| Assets per employee ($millions) | 3.2139% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 2,973 |
| 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 | 49.6200% | 3,524 |
| Net loans and leases to deposits | 56.0911% | 3,569 |
| Net loans and leases to core deposits | 57.1687% | 3,682 |
| Total domestic deposits to total assets | 88.4600% | 1,752 |
| Equity capital to assets | 10.7474% | 1,432 |
| Core capital (leverage) ratio | 11.7771% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $302,978,500 | 2,453 |
| Average earning assets | $282,099,000 | 2,443 |
| Average equity | $31,288,000 | 2,237 |
| Average total loans | $151,725,000 | 2,687 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 2,074 |
| Cost of funding earning assets | 0.0939% | 4,417 |
| Net interest margin | 3.7730% | 1,216 |
| Noninterest income to average assets | 2.6000% | 194 |
| Noninterest expense to average assets | 3.2057% | 716 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.3387% | 176 |
| Return on assets (ROA) | 2.3387% | 169 |
| Pretax return on assets | 2.9244% | 135 |
| Return on Equity (ROE) | 24.6300% | 224 |
| Retained earnings to average equity (ytd only) | 12.6743% | 558 |
| Net charge-offs to loans | 0.0053% | 2,239 |
| Credit loss provision to net charge-offs | 237.5000% | 1,021 |
| Earnings coverage of net charge-offs (x) | 1,161.3750% | 154 |
| Efficiency ratio | 52.2436% | 3,958 |
| Assets per employee ($millions) | 3.3377% | 4,479 |
| Cash dividends to net income (ytd only)* | 48.5502% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 2,942 |
| 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 | 49.4400% | 3,548 |
| Net loans and leases to deposits | 55.2392% | 3,615 |
| Net loans and leases to core deposits | 56.1956% | 3,711 |
| Total domestic deposits to total assets | 89.4900% | 1,562 |
| Equity capital to assets | 9.9174% | 1,748 |
| Core capital (leverage) ratio | 10.5882% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $317,056,400 | 2,367 |
| Average earning assets | $297,056,400 | 2,353 |
| Average equity | $30,100,400 | 2,332 |
| Average total loans | $149,630,600 | 2,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5445% | 2,479 |
| Cost of funding earning assets | 0.0680% | 4,487 |
| Net interest margin | 3.4765% | 1,733 |
| Noninterest income to average assets | 3.0900% | 181 |
| Noninterest expense to average assets | 3.1635% | 719 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 2.5385% | 149 |
| Return on assets (ROA) | 2.5385% | 146 |
| Pretax return on assets | 3.1814% | 120 |
| Return on Equity (ROE) | 27.0300% | 133 |
| Retained earnings to average equity (ytd only) | 20.1424% | 102 |
| Net charge-offs to loans | 0.0036% | 2,088 |
| Credit loss provision to net charge-offs | 300.0000% | 808 |
| Earnings coverage of net charge-offs (x) | 1,909.2500% | 65 |
| Efficiency ratio | 49.8193% | 4,174 |
| Assets per employee ($millions) | 3.5194% | 4,479 |
| Cash dividends to net income (ytd only)* | 25.4767% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 3,047 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.6900% | 3,781 |
| Net loans and leases to deposits | 50.7785% | 3,803 |
| Net loans and leases to core deposits | 51.8101% | 3,863 |
| Total domestic deposits to total assets | 89.9800% | 1,673 |
| Equity capital to assets | 9.2381% | 2,047 |
| Core capital (leverage) ratio | 10.5561% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $319,554,000 | 2,370 |
| Average earning assets | $300,025,250 | 2,358 |
| Average equity | $30,012,250 | 2,369 |
| Average total loans | $148,669,750 | 2,654 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3279% | 2,647 |
| Cost of funding earning assets | 0.0512% | 4,593 |
| Net interest margin | 3.2767% | 1,975 |
| Noninterest income to average assets | 1.7391% | 276 |
| Noninterest expense to average assets | 3.1837% | 647 |
| Loan and lease loss provision to assets | 0.0038% | 2,539 |
| Net operating income to assets | 1.3135% | 1,099 |
| Return on assets (ROA) | 1.3135% | 1,080 |
| Pretax return on assets | 1.6321% | 877 |
| Return on Equity (ROE) | 13.9059% | 1,137 |
| Retained earnings to average equity (ytd only) | 11.2240% | 751 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0578% | 2,498 |
| Assets per employee ($millions) | 3.5442% | 4,536 |
| Cash dividends to net income (ytd only)* | 19.2864% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,100 |
| 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 | 45.3738% | 3,744 |
| Net loans and leases to deposits | 50.1578% | 3,804 |
| Net loans and leases to core deposits | 51.1151% | 3,868 |
| Total domestic deposits to total assets | 90.4621% | 1,487 |
| Equity capital to assets | 8.7715% | 2,556 |
| Core capital (leverage) ratio | 9.8962% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,796,667 | 2,403 |
| Average earning assets | $296,886,333 | 2,399 |
| Average equity | $29,829,000 | 2,427 |
| Average total loans | $147,283,333 | 2,673 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2100% | 2,655 |
| Cost of funding earning assets | 0.0520% | 4,589 |
| Net interest margin | 3.1580% | 1,999 |
| Noninterest income to average assets | 1.0816% | 579 |
| Noninterest expense to average assets | 3.2073% | 595 |
| Loan and lease loss provision to assets | 0.0039% | 2,235 |
| Net operating income to assets | 0.6901% | 3,093 |
| Return on assets (ROA) | 0.6901% | 3,083 |
| Pretax return on assets | 0.8408% | 2,973 |
| Return on Equity (ROE) | 7.0427% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.0427% | 1,884 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1548% | 1,216 |
| Assets per employee ($millions) | 3.3998% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 3,080 |
| 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 | 45.6225% | 3,613 |
| Net loans and leases to deposits | 50.9830% | 3,648 |
| Net loans and leases to core deposits | 51.8459% | 3,742 |
| Total domestic deposits to total assets | 89.4856% | 1,820 |
| Equity capital to assets | 9.5037% | 2,278 |
| Core capital (leverage) ratio | 9.9387% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,661,500 | 2,445 |
| Average earning assets | $292,213,500 | 2,437 |
| Average equity | $30,443,000 | 2,458 |
| Average total loans | $146,116,000 | 2,677 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 2,372 |
| Cost of funding earning assets | 0.0605% | 4,642 |
| Net interest margin | 3.5469% | 1,611 |
| Noninterest income to average assets | 1.2144% | 720 |
| Noninterest expense to average assets | 3.3172% | 613 |
| Loan and lease loss provision to assets | 0.0054% | 2,972 |
| Net operating income to assets | 0.9979% | 2,679 |
| Return on assets (ROA) | 0.9979% | 2,747 |
| Pretax return on assets | 1.2181% | 2,603 |
| Return on Equity (ROE) | 9.6612% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.9014% | 2,402 |
| Net charge-offs to loans | 0.0079% | 2,282 |
| Credit loss provision to net charge-offs | 133.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 301.9167% | 408 |
| Efficiency ratio | 73.0552% | 1,407 |
| Assets per employee ($millions) | 3.4282% | 4,606 |
| Cash dividends to net income (ytd only)* | 38.9171% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 3,253 |
| 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 | 47.3856% | 3,554 |
| Net loans and leases to deposits | 53.0592% | 3,661 |
| Net loans and leases to core deposits | 53.9236% | 3,755 |
| Total domestic deposits to total assets | 89.3071% | 1,349 |
| Equity capital to assets | 10.0991% | 2,556 |
| Core capital (leverage) ratio | 9.9711% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,124,000 | 2,449 |
| Average earning assets | $277,705,000 | 2,446 |
| Average equity | $30,586,200 | 2,494 |
| Average total loans | $151,440,400 | 2,619 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 2,667 |
| Cost of funding earning assets | 0.0631% | 4,723 |
| Net interest margin | 3.4960% | 1,869 |
| Noninterest income to average assets | 1.1831% | 818 |
| Noninterest expense to average assets | 3.3430% | 578 |
| Loan and lease loss provision to assets | 0.0055% | 2,867 |
| Net operating income to assets | 0.9091% | 3,217 |
| Return on assets (ROA) | 0.9091% | 3,294 |
| Pretax return on assets | 1.1093% | 3,175 |
| Return on Equity (ROE) | 8.7506% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.5608% | 2,593 |
| Net charge-offs to loans | 0.0053% | 2,141 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 408.3333% | 350 |
| Efficiency ratio | 74.9923% | 1,126 |
| Assets per employee ($millions) | 3.4120% | 4,668 |
| Cash dividends to net income (ytd only)* | 25.0250% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 3,398 |
| 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 | 48.3628% | 3,592 |
| Net loans and leases to deposits | 54.4293% | 3,698 |
| Net loans and leases to core deposits | 55.4489% | 3,814 |
| Total domestic deposits to total assets | 88.8543% | 1,371 |
| Equity capital to assets | 10.1346% | 2,776 |
| Core capital (leverage) ratio | 9.8157% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,019,750 | 2,485 |
| Average earning assets | $274,477,500 | 2,485 |
| Average equity | $30,442,750 | 2,533 |
| Average total loans | $152,333,750 | 2,652 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 2,645 |
| Cost of funding earning assets | 0.0675% | 4,755 |
| Net interest margin | 3.5248% | 1,788 |
| Noninterest income to average assets | 1.2055% | 796 |
| Noninterest expense to average assets | 3.3912% | 539 |
| Loan and lease loss provision to assets | 0.0021% | 2,830 |
| Net operating income to assets | 0.9101% | 3,188 |
| Return on assets (ROA) | 0.9101% | 3,269 |
| Pretax return on assets | 1.1091% | 3,184 |
| Return on Equity (ROE) | 8.6839% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.0292% | 2,420 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3197% | 1,141 |
| Assets per employee ($millions) | 3.1569% | 4,757 |
| Cash dividends to net income (ytd only)* | 19.0549% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,443 |
| 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 | 49.5795% | 3,599 |
| Net loans and leases to deposits | 55.6876% | 3,734 |
| Net loans and leases to core deposits | 57.0713% | 3,830 |
| Total domestic deposits to total assets | 89.0314% | 1,270 |
| Equity capital to assets | 10.1206% | 2,748 |
| Core capital (leverage) ratio | 9.9567% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,334,000 | 2,506 |
| Average earning assets | $269,689,333 | 2,507 |
| Average equity | $30,216,667 | 2,535 |
| Average total loans | $153,052,667 | 2,654 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 2,499 |
| Cost of funding earning assets | 0.0716% | 4,789 |
| Net interest margin | 3.5778% | 1,642 |
| Noninterest income to average assets | 1.2258% | 822 |
| Noninterest expense to average assets | 3.4566% | 500 |
| Loan and lease loss provision to assets | 0.0028% | 2,710 |
| Net operating income to assets | 0.9140% | 3,093 |
| Return on assets (ROA) | 0.9140% | 3,168 |
| Pretax return on assets | 1.1104% | 3,085 |
| Return on Equity (ROE) | 8.5631% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.5631% | 2,071 |
| Net charge-offs to loans | 0.0026% | 1,831 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 782.0000% | 121 |
| Efficiency ratio | 75.6386% | 1,168 |
| Assets per employee ($millions) | 2.9777% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 3,566 |
| 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 | 52.5472% | 3,390 |
| Net loans and leases to deposits | 59.1345% | 3,551 |
| Net loans and leases to core deposits | 60.5452% | 3,666 |
| Total domestic deposits to total assets | 88.8604% | 1,409 |
| Equity capital to assets | 10.3562% | 2,388 |
| Core capital (leverage) ratio | 10.5813% | 2,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,968,500 | 2,535 |
| Average earning assets | $262,616,500 | 2,536 |
| Average equity | $29,989,000 | 2,544 |
| Average total loans | $153,619,000 | 2,654 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 2,337 |
| Cost of funding earning assets | 0.1535% | 4,720 |
| Net interest margin | 3.9761% | 1,026 |
| Noninterest income to average assets | 1.3767% | 616 |
| Noninterest expense to average assets | 3.7352% | 506 |
| Loan and lease loss provision to assets | 0.0513% | 3,738 |
| Net operating income to assets | 1.0472% | 2,114 |
| Return on assets (ROA) | 1.0472% | 2,254 |
| Pretax return on assets | 1.2722% | 2,078 |
| Return on Equity (ROE) | 9.6615% | 2,138 |
| Retained earnings to average equity (ytd only) | 6.1559% | 1,732 |
| Net charge-offs to loans | 0.0042% | 3,209 |
| Credit loss provision to net charge-offs | 2,250.0000% | 402 |
| Earnings coverage of net charge-offs (x) | 580.5000% | 208 |
| Efficiency ratio | 73.8376% | 1,473 |
| Assets per employee ($millions) | 2.7285% | 4,864 |
| Cash dividends to net income (ytd only)* | 36.2845% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,506 |
| Loan loss allowance to noncurrent loans | 237.8223% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 3,005 |
| Noncurrent loans to loans | 0.4585% | 2,596 |
| Net loans and leases to total assets | 55.7443% | 3,322 |
| Net loans and leases to deposits | 63.1639% | 3,503 |
| Net loans and leases to core deposits | 64.7034% | 3,648 |
| Total domestic deposits to total assets | 88.2534% | 1,348 |
| Equity capital to assets | 11.0162% | 2,239 |
| Core capital (leverage) ratio | 10.2885% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,174,600 | 2,498 |
| Average earning assets | $243,706,800 | 2,503 |
| Average equity | $28,525,600 | 2,568 |
| Average total loans | $141,736,800 | 2,735 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 2,528 |
| Cost of funding earning assets | 0.1727% | 4,749 |
| Net interest margin | 3.9751% | 1,171 |
| Noninterest income to average assets | 1.3622% | 595 |
| Noninterest expense to average assets | 3.7265% | 506 |
| Loan and lease loss provision to assets | 0.0031% | 4,220 |
| Net operating income to assets | 1.0735% | 2,070 |
| Return on assets (ROA) | 1.0735% | 2,200 |
| Pretax return on assets | 1.3061% | 2,023 |
| Return on Equity (ROE) | 9.9462% | 2,037 |
| Retained earnings to average equity (ytd only) | 7.5837% | 1,466 |
| Net charge-offs to loans | 0.0058% | 2,932 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | 427.8333% | 266 |
| Efficiency ratio | 74.0024% | 1,403 |
| Assets per employee ($millions) | 2.9031% | 4,860 |
| Cash dividends to net income (ytd only)* | 23.7530% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.6028% | 3,990 |
| Net loans and leases to deposits | 58.4158% | 4,145 |
| Net loans and leases to core deposits | 60.0513% | 4,199 |
| Total domestic deposits to total assets | 88.3370% | 1,039 |
| Equity capital to assets | 10.5938% | 2,709 |
| Core capital (leverage) ratio | 10.0226% | 2,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,438,000 | 2,498 |
| Average earning assets | $241,596,750 | 2,504 |
| Average equity | $28,217,750 | 2,580 |
| Average total loans | $139,111,750 | 2,767 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,403 |
| Cost of funding earning assets | 0.2007% | 4,764 |
| Net interest margin | 4.1259% | 1,067 |
| Noninterest income to average assets | 1.3877% | 543 |
| Noninterest expense to average assets | 3.7836% | 512 |
| Loan and lease loss provision to assets | 0.0039% | 4,116 |
| Net operating income to assets | 1.1553% | 1,780 |
| Return on assets (ROA) | 1.1553% | 1,914 |
| Pretax return on assets | 1.4103% | 1,702 |
| Return on Equity (ROE) | 10.6328% | 1,760 |
| Retained earnings to average equity (ytd only) | 8.8331% | 1,055 |
| Net charge-offs to loans | 0.0073% | 2,695 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 361.6000% | 286 |
| Efficiency ratio | 72.7916% | 1,589 |
| Assets per employee ($millions) | 2.8679% | 4,885 |
| Cash dividends to net income (ytd only)* | 16.9262% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 49.6503% | 4,178 |
| Net loans and leases to deposits | 55.9650% | 4,292 |
| Net loans and leases to core deposits | 57.5549% | 4,372 |
| Total domestic deposits to total assets | 88.7166% | 858 |
| Equity capital to assets | 10.2190% | 2,993 |
| Core capital (leverage) ratio | 10.5137% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,683,333 | 2,505 |
| Average earning assets | $236,119,333 | 2,517 |
| Average equity | $27,782,000 | 2,597 |
| Average total loans | $137,033,000 | 2,783 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 2,090 |
| Cost of funding earning assets | 0.2589% | 4,753 |
| Net interest margin | 4.3132% | 740 |
| Noninterest income to average assets | 1.5880% | 355 |
| Noninterest expense to average assets | 4.0172% | 498 |
| Loan and lease loss provision to assets | 0.0050% | 3,681 |
| Net operating income to assets | 1.2585% | 1,356 |
| Return on assets (ROA) | 1.2585% | 1,457 |
| Pretax return on assets | 1.5383% | 1,212 |
| Return on Equity (ROE) | 11.1905% | 1,359 |
| Retained earnings to average equity (ytd only) | 11.1905% | 542 |
| Net charge-offs to loans | 0.0089% | 2,241 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 310.6667% | 229 |
| Efficiency ratio | 72.2454% | 2,047 |
| Assets per employee ($millions) | 2.4804% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.5042% | 3,944 |
| Net loans and leases to deposits | 61.7915% | 4,112 |
| Net loans and leases to core deposits | 63.9947% | 4,168 |
| Total domestic deposits to total assets | 88.2066% | 1,015 |
| Equity capital to assets | 11.0429% | 2,822 |
| Core capital (leverage) ratio | 11.4367% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,564,000 | 2,540 |
| Average earning assets | $222,477,500 | 2,554 |
| Average equity | $27,166,000 | 2,633 |
| Average total loans | $134,301,000 | 2,788 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 2,105 |
| Cost of funding earning assets | 0.2492% | 4,853 |
| Net interest margin | 4.5310% | 677 |
| Noninterest income to average assets | 2.4558% | 206 |
| Noninterest expense to average assets | 4.0870% | 481 |
| Loan and lease loss provision to assets | 0.0078% | 3,852 |
| Net operating income to assets | 2.0639% | 297 |
| Return on assets (ROA) | 2.0633% | 313 |
| Pretax return on assets | 2.5571% | 190 |
| Return on Equity (ROE) | 19.2056% | 257 |
| Retained earnings to average equity (ytd only) | 7.8293% | 1,031 |
| Net charge-offs to loans | -0.0181% | 4,605 |
| Credit loss provision to net charge-offs | -82.6087% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4338% | 3,470 |
| Assets per employee ($millions) | 2.4491% | 5,011 |
| Cash dividends to net income (ytd only)* | 59.2341% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 2,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.4374% | 3,961 |
| Net loans and leases to deposits | 63.1408% | 4,128 |
| Net loans and leases to core deposits | 65.7282% | 4,198 |
| Total domestic deposits to total assets | 87.7997% | 1,229 |
| Equity capital to assets | 11.4557% | 2,567 |
| Core capital (leverage) ratio | 11.1726% | 2,362 |
| Tier 1 risk-based capital ratio | 18.8945% | 1,539 |
| Total risk-based capital ratio | 19.9717% | 1,549 |
| Memoranda: | ||
| Average total assets | $243,012,000 | 2,507 |
| Average earning assets | $225,094,600 | 2,496 |
| Average equity | $26,107,000 | 2,624 |
| Average total loans | $127,133,600 | 2,854 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 2,242 |
| Cost of funding earning assets | 0.2426% | 4,936 |
| Net interest margin | 4.5186% | 738 |
| Noninterest income to average assets | 2.6118% | 186 |
| Noninterest expense to average assets | 4.0724% | 487 |
| Loan and lease loss provision to assets | 0.0076% | 3,736 |
| Net operating income to assets | 2.1838% | 277 |
| Return on assets (ROA) | 2.1829% | 292 |
| Pretax return on assets | 2.7171% | 165 |
| Return on Equity (ROE) | 20.6525% | 217 |
| Retained earnings to average equity (ytd only) | 11.1031% | 502 |
| Net charge-offs to loans | -0.0308% | 4,705 |
| Credit loss provision to net charge-offs | -48.2759% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9037% | 3,667 |
| Assets per employee ($millions) | 2.4864% | 5,083 |
| Cash dividends to net income (ytd only)* | 46.2386% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.6092% | 4,392 |
| Net loans and leases to deposits | 57.7407% | 4,483 |
| Net loans and leases to core deposits | 59.8997% | 4,540 |
| Total domestic deposits to total assets | 87.6491% | 1,191 |
| Equity capital to assets | 11.1956% | 2,934 |
| Core capital (leverage) ratio | 10.7798% | 2,860 |
| Tier 1 risk-based capital ratio | 20.3231% | 1,316 |
| Total risk-based capital ratio | 21.4779% | 1,302 |
| Memoranda: | ||
| Average total assets | $244,373,250 | 2,517 |
| Average earning assets | $226,408,000 | 2,515 |
| Average equity | $25,830,000 | 2,657 |
| Average total loans | $125,609,250 | 2,903 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 2,174 |
| Cost of funding earning assets | 0.2357% | 4,993 |
| Net interest margin | 4.5294% | 717 |
| Noninterest income to average assets | 3.0980% | 145 |
| Noninterest expense to average assets | 4.0988% | 471 |
| Loan and lease loss provision to assets | 0.0074% | 3,581 |
| Net operating income to assets | 2.5515% | 143 |
| Return on assets (ROA) | 2.5502% | 148 |
| Pretax return on assets | 3.1855% | 101 |
| Return on Equity (ROE) | 24.6107% | 102 |
| Retained earnings to average equity (ytd only) | 11.9858% | 407 |
| Net charge-offs to loans | -0.0524% | 4,835 |
| Credit loss provision to net charge-offs | -27.2727% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1996% | 4,226 |
| Assets per employee ($millions) | 2.5225% | 5,114 |
| Cash dividends to net income (ytd only)* | 51.2985% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.8014% | 4,483 |
| Net loans and leases to deposits | 56.3332% | 4,578 |
| Net loans and leases to core deposits | 58.1906% | 4,635 |
| Total domestic deposits to total assets | 88.4051% | 919 |
| Equity capital to assets | 10.5946% | 3,441 |
| Core capital (leverage) ratio | 10.7688% | 2,817 |
| Tier 1 risk-based capital ratio | 20.3863% | 1,279 |
| Total risk-based capital ratio | 21.5717% | 1,254 |
| Memoranda: | ||
| Average total assets | $244,608,670 | 2,527 |
| Average earning assets | $226,563,000 | 2,529 |
| Average equity | $25,346,670 | 2,684 |
| Average total loans | $125,862,670 | 2,918 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 2,204 |
| Cost of funding earning assets | 0.2231% | 5,059 |
| Net interest margin | 4.4828% | 767 |
| Noninterest income to average assets | 1.2907% | 511 |
| Noninterest expense to average assets | 3.8901% | 603 |
| Loan and lease loss provision to assets | 0.0066% | 3,345 |
| Net operating income to assets | 1.2540% | 1,873 |
| Return on assets (ROA) | 1.2526% | 1,923 |
| Pretax return on assets | 1.5435% | 1,626 |
| Return on Equity (ROE) | 12.2302% | 1,457 |
| Retained earnings to average equity (ytd only) | 12.2302% | 574 |
| Net charge-offs to loans | -0.0636% | 4,900 |
| Credit loss provision to net charge-offs | -20.0000% | 3,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4850% | 2,116 |
| Assets per employee ($millions) | 2.4192% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 51.3275% | 4,384 |
| Net loans and leases to deposits | 58.3553% | 4,485 |
| Net loans and leases to core deposits | 60.3596% | 4,553 |
| Total domestic deposits to total assets | 87.9569% | 1,354 |
| Equity capital to assets | 10.4517% | 3,382 |
| Core capital (leverage) ratio | 10.6017% | 2,940 |
| Tier 1 risk-based capital ratio | 19.8307% | 1,367 |
| Total risk-based capital ratio | 21.0049% | 1,365 |
| Memoranda: | ||
| Average total assets | $242,048,000 | 2,568 |
| Average earning assets | $224,147,000 | 2,563 |
| Average equity | $24,791,000 | 2,736 |
| Average total loans | $125,844,500 | 2,951 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,986 |
| Cost of funding earning assets | 0.2234% | 4,912 |
| Net interest margin | 4.1104% | 1,652 |
| Noninterest income to average assets | 1.5346% | 391 |
| Noninterest expense to average assets | 3.8478% | 644 |
| Loan and lease loss provision to assets | 0.0089% | 3,946 |
| Net operating income to assets | 1.2036% | 2,154 |
| Return on assets (ROA) | 1.2036% | 2,146 |
| Pretax return on assets | 1.4882% | 1,818 |
| Return on Equity (ROE) | 12.6734% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.3992% | 1,503 |
| Net charge-offs to loans | 0.0220% | 2,987 |
| Credit loss provision to net charge-offs | 81.4815% | 2,844 |
| Earnings coverage of net charge-offs (x) | 137.3704% | 591 |
| Efficiency ratio | 71.9906% | 1,899 |
| Assets per employee ($millions) | 2.4462% | 5,227 |
| Cash dividends to net income (ytd only)* | 41.6164% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,664 |
| Loan loss allowance to noncurrent loans | 1,261.8644% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,602 |
| Noncurrent loans to loans | 0.0936% | 4,329 |
| Net loans and leases to total assets | 51.4153% | 4,435 |
| Net loans and leases to deposits | 57.6526% | 4,589 |
| Net loans and leases to core deposits | 59.7955% | 4,637 |
| Total domestic deposits to total assets | 89.1813% | 785 |
| Equity capital to assets | 10.0329% | 3,654 |
| Core capital (leverage) ratio | 10.1422% | 3,409 |
| Tier 1 risk-based capital ratio | 19.4039% | 1,426 |
| Total risk-based capital ratio | 20.5693% | 1,408 |
| Memoranda: | ||
| Average total assets | $247,752,600 | 2,485 |
| Average earning assets | $229,662,000 | 2,487 |
| Average equity | $23,529,600 | 2,772 |
| Average total loans | $122,881,600 | 2,966 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 3,162 |
| Cost of funding earning assets | 0.2192% | 4,946 |
| Net interest margin | 4.0263% | 1,869 |
| Noninterest income to average assets | 1.5011% | 427 |
| Noninterest expense to average assets | 3.8145% | 657 |
| Loan and lease loss provision to assets | 0.0102% | 3,785 |
| Net operating income to assets | 1.1399% | 2,490 |
| Return on assets (ROA) | 1.1399% | 2,502 |
| Pretax return on assets | 1.4112% | 2,191 |
| Return on Equity (ROE) | 12.1688% | 1,732 |
| Retained earnings to average equity (ytd only) | 8.3353% | 1,500 |
| Net charge-offs to loans | 0.0207% | 2,718 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 139.8042% | 579 |
| Efficiency ratio | 72.8536% | 1,756 |
| Assets per employee ($millions) | 2.5101% | 5,276 |
| Cash dividends to net income (ytd only)* | 31.5022% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,658 |
| Loan loss allowance to noncurrent loans | 1,074.1007% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 4,687 |
| Noncurrent loans to loans | 0.1111% | 4,391 |
| Net loans and leases to total assets | 50.2378% | 4,577 |
| Net loans and leases to deposits | 56.4127% | 4,727 |
| Net loans and leases to core deposits | 58.4604% | 4,759 |
| Total domestic deposits to total assets | 89.0540% | 831 |
| Equity capital to assets | 9.6614% | 3,947 |
| Core capital (leverage) ratio | 9.8090% | 3,840 |
| Tier 1 risk-based capital ratio | 19.1990% | 1,493 |
| Total risk-based capital ratio | 20.3685% | 1,482 |
| Memoranda: | ||
| Average total assets | $249,147,500 | 2,494 |
| Average earning assets | $231,106,000 | 2,494 |
| Average equity | $23,337,750 | 2,797 |
| Average total loans | $122,101,250 | 2,997 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0439% | 3,634 |
| Cost of funding earning assets | 0.2127% | 4,960 |
| Net interest margin | 3.8312% | 2,448 |
| Noninterest income to average assets | 1.5340% | 409 |
| Noninterest expense to average assets | 3.7690% | 692 |
| Loan and lease loss provision to assets | 0.0080% | 3,682 |
| Net operating income to assets | 1.0576% | 2,768 |
| Return on assets (ROA) | 1.0576% | 2,766 |
| Pretax return on assets | 1.3125% | 2,458 |
| Return on Equity (ROE) | 11.4076% | 1,949 |
| Retained earnings to average equity (ytd only) | 8.2949% | 1,493 |
| Net charge-offs to loans | 0.0264% | 2,327 |
| Credit loss provision to net charge-offs | 62.5000% | 2,410 |
| Earnings coverage of net charge-offs (x) | 103.2500% | 683 |
| Efficiency ratio | 74.0537% | 1,702 |
| Assets per employee ($millions) | 2.6997% | 5,263 |
| Cash dividends to net income (ytd only)* | 27.2865% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,709 |
| Loan loss allowance to noncurrent loans | 1,025.5172% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 4,677 |
| Noncurrent loans to loans | 0.1171% | 4,383 |
| Net loans and leases to total assets | 49.2759% | 4,647 |
| Net loans and leases to deposits | 55.0603% | 4,796 |
| Net loans and leases to core deposits | 56.9570% | 4,833 |
| Total domestic deposits to total assets | 89.4944% | 742 |
| Equity capital to assets | 9.4382% | 4,159 |
| Core capital (leverage) ratio | 9.6427% | 3,952 |
| Tier 1 risk-based capital ratio | 19.1765% | 1,506 |
| Total risk-based capital ratio | 20.3640% | 1,488 |
| Memoranda: | ||
| Average total assets | $250,200,000 | 2,501 |
| Average earning assets | $232,200,000 | 2,494 |
| Average equity | $23,195,000 | 2,822 |
| Average total loans | $121,110,670 | 3,023 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,775 |
| Cost of funding earning assets | 0.2094% | 4,957 |
| Net interest margin | 3.7466% | 2,627 |
| Noninterest income to average assets | 1.6327% | 370 |
| Noninterest expense to average assets | 3.7959% | 681 |
| Loan and lease loss provision to assets | 0.0032% | 3,475 |
| Net operating income to assets | 1.0545% | 2,626 |
| Return on assets (ROA) | 1.0545% | 2,638 |
| Pretax return on assets | 1.3110% | 2,322 |
| Return on Equity (ROE) | 11.4774% | 1,779 |
| Retained earnings to average equity (ytd only) | 11.4774% | 793 |
| Net charge-offs to loans | -0.0033% | 3,901 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2830% | 1,859 |
| Assets per employee ($millions) | 2.5399% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,706 |
| Loan loss allowance to noncurrent loans | 971.4286% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 4,738 |
| Noncurrent loans to loans | 0.1253% | 4,402 |
| Net loans and leases to total assets | 48.7630% | 4,647 |
| Net loans and leases to deposits | 54.3408% | 4,778 |
| Net loans and leases to core deposits | 56.2034% | 4,835 |
| Total domestic deposits to total assets | 89.7355% | 769 |
| Equity capital to assets | 9.3216% | 4,249 |
| Core capital (leverage) ratio | 9.6126% | 3,949 |
| Tier 1 risk-based capital ratio | 19.1992% | 1,506 |
| Total risk-based capital ratio | 20.4103% | 1,472 |
| Memoranda: | ||
| Average total assets | $251,113,500 | 2,504 |
| Average earning assets | $233,066,000 | 2,511 |
| Average equity | $23,071,500 | 2,857 |
| Average total loans | $119,728,500 | 3,069 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,184 |
| Cost of funding earning assets | 0.1712% | 5,147 |
| Net interest margin | 4.1779% | 1,235 |
| Noninterest income to average assets | 1.6557% | 390 |
| Noninterest expense to average assets | 4.1573% | 442 |
| Loan and lease loss provision to assets | 0.0084% | 4,099 |
| Net operating income to assets | 0.8030% | 3,144 |
| Return on assets (ROA) | 0.8027% | 3,187 |
| Pretax return on assets | 1.3095% | 2,310 |
| Return on Equity (ROE) | 8.0787% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.7939% | 2,265 |
| Net charge-offs to loans | 0.0738% | 2,390 |
| Credit loss provision to net charge-offs | 20.0000% | 3,606 |
| Earnings coverage of net charge-offs (x) | 31.4632% | 1,501 |
| Efficiency ratio | 75.9243% | 1,629 |
| Assets per employee ($millions) | 2.4089% | 5,490 |
| Cash dividends to net income (ytd only)* | 40.6593% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,312 |
| Loan loss allowance to noncurrent loans | 927.9503% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 4,177 |
| Noncurrent loans to loans | 0.1381% | 4,374 |
| Net loans and leases to total assets | 45.5034% | 4,912 |
| Net loans and leases to deposits | 50.3788% | 5,047 |
| Net loans and leases to core deposits | 52.1210% | 5,063 |
| Total domestic deposits to total assets | 90.3223% | 459 |
| Equity capital to assets | 9.0720% | 4,646 |
| Core capital (leverage) ratio | 9.2183% | 4,375 |
| Tier 1 risk-based capital ratio | 19.6678% | 1,387 |
| Total risk-based capital ratio | 20.9175% | 1,350 |
| Memoranda: | ||
| Average total assets | $226,731,000 | 2,666 |
| Average earning assets | $207,305,800 | 2,695 |
| Average equity | $22,528,400 | 2,901 |
| Average total loans | $128,760,400 | 2,931 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 1,841 |
| Cost of funding earning assets | 0.1589% | 5,260 |
| Net interest margin | 4.2770% | 978 |
| Noninterest income to average assets | 1.7979% | 365 |
| Noninterest expense to average assets | 4.4175% | 337 |
| Loan and lease loss provision to assets | 0.0085% | 3,958 |
| Net operating income to assets | 0.8845% | 3,110 |
| Return on assets (ROA) | 0.8841% | 3,155 |
| Pretax return on assets | 1.2668% | 2,636 |
| Return on Equity (ROE) | 8.6884% | 2,767 |
| Retained earnings to average equity (ytd only) | 6.0700% | 2,185 |
| Net charge-offs to loans | 0.0789% | 2,011 |
| Credit loss provision to net charge-offs | 17.9487% | 3,173 |
| Earnings coverage of net charge-offs (x) | 27.0121% | 1,654 |
| Efficiency ratio | 77.5899% | 1,385 |
| Assets per employee ($millions) | 2.2439% | 5,590 |
| Cash dividends to net income (ytd only)* | 30.1369% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 2,876 |
| Loan loss allowance to noncurrent loans | 906.6265% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,222 |
| Noncurrent loans to loans | 0.1334% | 4,526 |
| Net loans and leases to total assets | 53.7119% | 4,437 |
| Net loans and leases to deposits | 60.4604% | 4,615 |
| Net loans and leases to core deposits | 62.4980% | 4,679 |
| Total domestic deposits to total assets | 88.8380% | 956 |
| Equity capital to assets | 10.0439% | 3,862 |
| Core capital (leverage) ratio | 10.2793% | 3,225 |
| Tier 1 risk-based capital ratio | 18.7636% | 1,656 |
| Total risk-based capital ratio | 19.9925% | 1,611 |
| Memoranda: | ||
| Average total assets | $220,180,500 | 2,748 |
| Average earning assets | $200,541,250 | 2,789 |
| Average equity | $22,404,750 | 2,930 |
| Average total loans | $131,803,750 | 2,916 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,553 |
| Cost of funding earning assets | 0.1465% | 5,360 |
| Net interest margin | 4.3396% | 780 |
| Noninterest income to average assets | 1.8768% | 348 |
| Noninterest expense to average assets | 4.5222% | 312 |
| Loan and lease loss provision to assets | 0.0074% | 3,780 |
| Net operating income to assets | 0.9073% | 2,879 |
| Return on assets (ROA) | 0.9067% | 2,929 |
| Pretax return on assets | 1.2988% | 2,387 |
| Return on Equity (ROE) | 8.8697% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.0688% | 1,567 |
| Net charge-offs to loans | 0.1087% | 1,544 |
| Credit loss provision to net charge-offs | 10.9589% | 2,843 |
| Earnings coverage of net charge-offs (x) | 19.4521% | 1,832 |
| Efficiency ratio | 77.5778% | 1,521 |
| Assets per employee ($millions) | 2.0650% | 5,666 |
| Cash dividends to net income (ytd only)* | 20.3046% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 3,382 |
| Loan loss allowance to noncurrent loans | 839.6648% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 4,302 |
| Noncurrent loans to loans | 0.1354% | 4,574 |
| Net loans and leases to total assets | 59.1367% | 3,909 |
| Net loans and leases to deposits | 66.6617% | 4,175 |
| Net loans and leases to core deposits | 68.9969% | 4,298 |
| Total domestic deposits to total assets | 88.7117% | 1,100 |
| Equity capital to assets | 10.3071% | 3,565 |
| Core capital (leverage) ratio | 10.3442% | 3,084 |
| Tier 1 risk-based capital ratio | 17.6540% | 1,958 |
| Total risk-based capital ratio | 18.8206% | 1,937 |
| Memoranda: | ||
| Average total assets | $217,282,330 | 2,792 |
| Average earning assets | $197,898,000 | 2,826 |
| Average equity | $22,210,330 | 2,951 |
| Average total loans | $134,259,000 | 2,882 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 1,307 |
| Cost of funding earning assets | 0.1348% | 5,464 |
| Net interest margin | 4.3940% | 649 |
| Noninterest income to average assets | 1.7081% | 394 |
| Noninterest expense to average assets | 4.4447% | 349 |
| Loan and lease loss provision to assets | 0.0074% | 3,462 |
| Net operating income to assets | 0.8782% | 2,865 |
| Return on assets (ROA) | 0.8782% | 2,917 |
| Pretax return on assets | 1.2495% | 2,416 |
| Return on Equity (ROE) | 8.6280% | 2,604 |
| Retained earnings to average equity (ytd only) | 8.6280% | 1,223 |
| Net charge-offs to loans | 0.2069% | 843 |
| Credit loss provision to net charge-offs | 5.7143% | 2,250 |
| Earnings coverage of net charge-offs (x) | 9.6714% | 1,981 |
| Efficiency ratio | 77.9551% | 1,633 |
| Assets per employee ($millions) | 1.9375% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 3,692 |
| Loan loss allowance to noncurrent loans | 525.5245% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 4,139 |
| Noncurrent loans to loans | 0.2103% | 4,359 |
| Net loans and leases to total assets | 61.9646% | 3,542 |
| Net loans and leases to deposits | 69.6413% | 3,836 |
| Net loans and leases to core deposits | 72.0204% | 3,983 |
| Total domestic deposits to total assets | 88.9769% | 1,150 |
| Equity capital to assets | 10.2388% | 3,475 |
| Core capital (leverage) ratio | 10.4788% | 2,932 |
| Tier 1 risk-based capital ratio | 16.9918% | 2,183 |
| Total risk-based capital ratio | 18.1302% | 2,186 |
| Memoranda: | ||
| Average total assets | $215,446,500 | 2,829 |
| Average earning assets | $195,812,000 | 2,870 |
| Average equity | $21,928,500 | 2,993 |
| Average total loans | $135,304,500 | 2,882 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,616 |
| Cost of funding earning assets | 0.1229% | 5,597 |
| Net interest margin | 4.3510% | 849 |
| Noninterest income to average assets | 1.8628% | 374 |
| Noninterest expense to average assets | 4.6354% | 337 |
| Loan and lease loss provision to assets | 0.0322% | 3,707 |
| Net operating income to assets | 0.8209% | 3,204 |
| Return on assets (ROA) | 0.9158% | 2,857 |
| Pretax return on assets | 1.2810% | 2,351 |
| Return on Equity (ROE) | 9.0199% | 2,406 |
| Retained earnings to average equity (ytd only) | 4.9262% | 2,389 |
| Net charge-offs to loans | 0.0572% | 2,906 |
| Credit loss provision to net charge-offs | 88.4615% | 2,830 |
| Earnings coverage of net charge-offs (x) | 32.3846% | 1,364 |
| Efficiency ratio | 79.7141% | 1,451 |
| Assets per employee ($millions) | 1.8763% | 5,809 |
| Cash dividends to net income (ytd only)* | 45.3850% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,336 |
| Loan loss allowance to noncurrent loans | 574.7253% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 4,211 |
| Noncurrent loans to loans | 0.2028% | 4,433 |
| Net loans and leases to total assets | 62.2151% | 3,586 |
| Net loans and leases to deposits | 69.5857% | 3,947 |
| Net loans and leases to core deposits | 71.7563% | 4,095 |
| Total domestic deposits to total assets | 89.4079% | 897 |
| Equity capital to assets | 10.1367% | 3,565 |
| Core capital (leverage) ratio | 10.1606% | 3,283 |
| Tier 1 risk-based capital ratio | 16.6945% | 2,271 |
| Total risk-based capital ratio | 17.8851% | 2,237 |
| Memoranda: | ||
| Average total assets | $214,135,800 | 2,811 |
| Average earning assets | $194,505,400 | 2,859 |
| Average equity | $21,740,800 | 3,002 |
| Average total loans | $136,439,000 | 2,824 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 1,723 |
| Cost of funding earning assets | 0.1170% | 5,689 |
| Net interest margin | 4.3237% | 888 |
| Noninterest income to average assets | 1.8855% | 378 |
| Noninterest expense to average assets | 4.6841% | 329 |
| Loan and lease loss provision to assets | 0.0361% | 3,524 |
| Net operating income to assets | 0.7812% | 3,450 |
| Return on assets (ROA) | 0.9076% | 3,002 |
| Pretax return on assets | 1.2761% | 2,519 |
| Return on Equity (ROE) | 8.9354% | 2,530 |
| Retained earnings to average equity (ytd only) | 5.0132% | 2,814 |
| Net charge-offs to loans | 0.0662% | 2,389 |
| Credit loss provision to net charge-offs | 85.2941% | 2,600 |
| Earnings coverage of net charge-offs (x) | 26.7954% | 1,585 |
| Efficiency ratio | 80.5071% | 1,374 |
| Assets per employee ($millions) | 1.8430% | 5,881 |
| Cash dividends to net income (ytd only)* | 43.8957% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 3,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 4,877 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 61.7147% | 3,667 |
| Net loans and leases to deposits | 69.4491% | 4,032 |
| Net loans and leases to core deposits | 71.0149% | 4,248 |
| Total domestic deposits to total assets | 88.8632% | 981 |
| Equity capital to assets | 10.1288% | 4,001 |
| Core capital (leverage) ratio | 9.7711% | 3,843 |
| Tier 1 risk-based capital ratio | 16.3805% | 2,460 |
| Total risk-based capital ratio | 17.5615% | 2,446 |
| Memoranda: | ||
| Average total assets | $214,196,000 | 2,823 |
| Average earning assets | $194,829,250 | 2,859 |
| Average equity | $21,755,500 | 3,029 |
| Average total loans | $136,887,750 | 2,826 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4475% | 1,683 |
| Cost of funding earning assets | 0.1023% | 5,844 |
| Net interest margin | 4.3452% | 860 |
| Noninterest income to average assets | 1.8892% | 370 |
| Noninterest expense to average assets | 4.6719% | 332 |
| Loan and lease loss provision to assets | 0.0516% | 3,114 |
| Net operating income to assets | 0.7864% | 3,378 |
| Return on assets (ROA) | 0.9770% | 2,632 |
| Pretax return on assets | 1.3796% | 2,097 |
| Return on Equity (ROE) | 9.6101% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.9175% | 2,168 |
| Net charge-offs to loans | 0.0918% | 1,923 |
| Credit loss provision to net charge-offs | 87.3016% | 2,282 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,761 |
| Efficiency ratio | 80.0708% | 1,488 |
| Assets per employee ($millions) | 1.8818% | 5,952 |
| Cash dividends to net income (ytd only)* | 38.4246% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,521 |
| Loan loss allowance to noncurrent loans | 157,000.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,919 |
| Noncurrent loans to loans | 0.0007% | 5,517 |
| Net loans and leases to total assets | 59.6839% | 3,924 |
| Net loans and leases to deposits | 66.8066% | 4,280 |
| Net loans and leases to core deposits | 68.4607% | 4,440 |
| Total domestic deposits to total assets | 89.3382% | 746 |
| Equity capital to assets | 9.8561% | 4,382 |
| Core capital (leverage) ratio | 10.0370% | 3,524 |
| Tier 1 risk-based capital ratio | 16.1215% | 2,583 |
| Total risk-based capital ratio | 17.2948% | 2,562 |
| Memoranda: | ||
| Average total assets | $213,102,000 | 2,853 |
| Average earning assets | $193,500,000 | 2,889 |
| Average equity | $21,664,670 | 3,044 |
| Average total loans | $137,255,670 | 2,830 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 1,162 |
| Cost of funding earning assets | 0.0847% | 5,972 |
| Net interest margin | 4.5564% | 546 |
| Noninterest income to average assets | 1.9154% | 359 |
| Noninterest expense to average assets | 4.8335% | 302 |
| Loan and lease loss provision to assets | 0.0978% | 2,062 |
| Net operating income to assets | 0.7821% | 3,339 |
| Return on assets (ROA) | 1.1715% | 1,744 |
| Pretax return on assets | 1.6585% | 1,161 |
| Return on Equity (ROE) | 11.3390% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.3390% | 596 |
| Net charge-offs to loans | 0.0115% | 2,743 |
| Credit loss provision to net charge-offs | 1,275.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 157.5000% | 383 |
| Efficiency ratio | 80.0063% | 1,605 |
| Assets per employee ($millions) | 1.7237% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,477 |
| Loan loss allowance to noncurrent loans | 1,805.5556% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 4,832 |
| Noncurrent loans to loans | 0.0665% | 5,210 |
| Net loans and leases to total assets | 63.5959% | 3,294 |
| Net loans and leases to deposits | 71.6101% | 3,690 |
| Net loans and leases to core deposits | 72.5861% | 4,023 |
| Total domestic deposits to total assets | 88.8086% | 1,203 |
| Equity capital to assets | 10.3449% | 3,689 |
| Core capital (leverage) ratio | 10.4206% | 3,054 |
| Tier 1 risk-based capital ratio | 16.1968% | 2,584 |
| Total risk-based capital ratio | 17.4187% | 2,552 |
| Memoranda: | ||
| Average total assets | $208,625,500 | 2,907 |
| Average earning assets | $188,920,000 | 2,946 |
| Average equity | $21,554,000 | 3,061 |
| Average total loans | $138,833,000 | 2,809 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,165 |
| Cost of funding earning assets | 0.0334% | 6,127 |
| Net interest margin | 4.6415% | 505 |
| Noninterest income to average assets | 2.0126% | 355 |
| Noninterest expense to average assets | 4.8504% | 313 |
| Loan and lease loss provision to assets | 0.0881% | 2,536 |
| Net operating income to assets | 0.9053% | 2,844 |
| Return on assets (ROA) | 0.9119% | 2,884 |
| Pretax return on assets | 1.2814% | 2,351 |
| Return on Equity (ROE) | 8.9645% | 2,473 |
| Retained earnings to average equity (ytd only) | 5.1355% | 2,324 |
| Net charge-offs to loans | 0.0685% | 2,867 |
| Credit loss provision to net charge-offs | 201.1111% | 1,384 |
| Earnings coverage of net charge-offs (x) | 31.0444% | 1,416 |
| Efficiency ratio | 78.0983% | 1,952 |
| Assets per employee ($millions) | 1.7247% | 6,087 |
| Cash dividends to net income (ytd only)* | 42.7122% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 4,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.9968% | 2,701 |
| Net loans and leases to deposits | 76.3421% | 3,211 |
| Net loans and leases to core deposits | 77.1833% | 3,647 |
| Total domestic deposits to total assets | 89.0686% | 1,085 |
| Equity capital to assets | 10.3177% | 3,604 |
| Core capital (leverage) ratio | 10.0830% | 3,396 |
| Tier 1 risk-based capital ratio | 14.9221% | 3,214 |
| Total risk-based capital ratio | 16.0471% | 3,210 |
| Memoranda: | ||
| Average total assets | $205,405,600 | 2,896 |
| Average earning assets | $185,781,000 | 2,934 |
| Average equity | $20,893,600 | 3,084 |
| Average total loans | $131,334,000 | 2,867 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 1,247 |
| Cost of funding earning assets | 0.0252% | 6,220 |
| Net interest margin | 4.6078% | 534 |
| Noninterest income to average assets | 2.0869% | 338 |
| Noninterest expense to average assets | 4.8899% | 299 |
| Loan and lease loss provision to assets | 0.0910% | 2,351 |
| Net operating income to assets | 0.9012% | 2,955 |
| Return on assets (ROA) | 0.9040% | 3,029 |
| Pretax return on assets | 1.2753% | 2,492 |
| Return on Equity (ROE) | 8.9193% | 2,618 |
| Retained earnings to average equity (ytd only) | 6.0959% | 2,186 |
| Net charge-offs to loans | 0.0840% | 2,347 |
| Credit loss provision to net charge-offs | 172.8395% | 1,510 |
| Earnings coverage of net charge-offs (x) | 25.8635% | 1,641 |
| Efficiency ratio | 78.2089% | 1,919 |
| Assets per employee ($millions) | 1.6900% | 6,173 |
| Cash dividends to net income (ytd only)* | 31.6545% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 4,358 |
| Loan loss allowance to noncurrent loans | 1,152.9851% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,923 |
| Noncurrent loans to loans | 0.0932% | 5,255 |
| Net loans and leases to total assets | 69.0006% | 2,539 |
| Net loans and leases to deposits | 77.8549% | 3,110 |
| Net loans and leases to core deposits | 78.5900% | 3,553 |
| Total domestic deposits to total assets | 88.6271% | 1,222 |
| Equity capital to assets | 10.2811% | 3,839 |
| Core capital (leverage) ratio | 10.0237% | 3,590 |
| Tier 1 risk-based capital ratio | 14.7966% | 3,389 |
| Total risk-based capital ratio | 15.8953% | 3,409 |
| Memoranda: | ||
| Average total assets | $205,016,000 | 2,924 |
| Average earning assets | $185,334,000 | 2,964 |
| Average equity | $20,778,500 | 3,123 |
| Average total loans | $128,590,750 | 2,925 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 1,390 |
| Cost of funding earning assets | 0.0260% | 6,296 |
| Net interest margin | 4.5306% | 600 |
| Noninterest income to average assets | 1.9890% | 377 |
| Noninterest expense to average assets | 4.7715% | 347 |
| Loan and lease loss provision to assets | 0.0801% | 2,509 |
| Net operating income to assets | 0.8757% | 3,012 |
| Return on assets (ROA) | 0.8757% | 3,120 |
| Pretax return on assets | 1.2315% | 2,644 |
| Return on Equity (ROE) | 8.6826% | 2,710 |
| Retained earnings to average equity (ytd only) | 6.7445% | 1,820 |
| Net charge-offs to loans | 0.1182% | 1,824 |
| Credit loss provision to net charge-offs | 112.3288% | 1,899 |
| Earnings coverage of net charge-offs (x) | 18.3836% | 1,809 |
| Efficiency ratio | 78.4383% | 1,998 |
| Assets per employee ($millions) | 1.6414% | 6,262 |
| Cash dividends to net income (ytd only)* | 22.3214% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 3,676 |
| Loan loss allowance to noncurrent loans | 468.9655% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 3,931 |
| Noncurrent loans to loans | 0.2599% | 4,747 |
| Net loans and leases to total assets | 58.6208% | 4,025 |
| Net loans and leases to deposits | 65.7197% | 4,362 |
| Net loans and leases to core deposits | 66.3342% | 4,624 |
| Total domestic deposits to total assets | 89.1983% | 1,050 |
| Equity capital to assets | 10.0924% | 3,929 |
| Core capital (leverage) ratio | 10.0033% | 3,597 |
| Tier 1 risk-based capital ratio | 16.1794% | 2,767 |
| Total risk-based capital ratio | 17.3570% | 2,757 |
| Memoranda: | ||
| Average total assets | $204,629,670 | 2,947 |
| Average earning assets | $184,919,670 | 2,992 |
| Average equity | $20,639,000 | 3,148 |
| Average total loans | $123,518,670 | 3,027 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,276 |
| Cost of funding earning assets | 0.0261% | 6,370 |
| Net interest margin | 4.5512% | 552 |
| Noninterest income to average assets | 1.9653% | 372 |
| Noninterest expense to average assets | 4.6970% | 374 |
| Loan and lease loss provision to assets | 0.0727% | 2,484 |
| Net operating income to assets | 0.9256% | 2,629 |
| Return on assets (ROA) | 0.9256% | 2,749 |
| Pretax return on assets | 1.3108% | 2,237 |
| Return on Equity (ROE) | 9.1804% | 2,366 |
| Retained earnings to average equity (ytd only) | 9.1804% | 1,135 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2463% | 2,304 |
| Assets per employee ($millions) | 1.8193% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,728 |
| Loan loss allowance to noncurrent loans | 454.9254% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 3,869 |
| Noncurrent loans to loans | 0.2730% | 4,801 |
| Net loans and leases to total assets | 59.4803% | 3,733 |
| Net loans and leases to deposits | 66.8981% | 4,062 |
| Net loans and leases to core deposits | 67.5446% | 4,377 |
| Total domestic deposits to total assets | 88.9117% | 1,328 |
| Equity capital to assets | 10.1779% | 3,906 |
| Core capital (leverage) ratio | 10.0880% | 3,494 |
| Tier 1 risk-based capital ratio | 15.8259% | 3,004 |
| Total risk-based capital ratio | 17.0123% | 2,973 |
| Memoranda: | ||
| Average total assets | $203,535,000 | 2,971 |
| Average earning assets | $184,039,000 | 3,010 |
| Average equity | $20,522,000 | 3,179 |
| Average total loans | $123,910,500 | 3,018 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,083 |
| Cost of funding earning assets | 0.0322% | 6,451 |
| Net interest margin | 4.4151% | 866 |
| Noninterest income to average assets | 1.7900% | 404 |
| Noninterest expense to average assets | 4.5453% | 444 |
| Loan and lease loss provision to assets | 0.0165% | 4,279 |
| Net operating income to assets | 0.8471% | 3,131 |
| Return on assets (ROA) | 0.8471% | 3,231 |
| Pretax return on assets | 1.1977% | 2,660 |
| Return on Equity (ROE) | 8.6505% | 2,759 |
| Retained earnings to average equity (ytd only) | 4.3991% | 3,050 |
| Net charge-offs to loans | 0.0397% | 4,028 |
| Credit loss provision to net charge-offs | 71.7391% | 3,027 |
| Earnings coverage of net charge-offs (x) | 52.9348% | 888 |
| Efficiency ratio | 78.9196% | 2,073 |
| Assets per employee ($millions) | 1.7526% | 6,401 |
| Cash dividends to net income (ytd only)* | 49.1466% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,075 |
| Loan loss allowance to noncurrent loans | 1,228.9256% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 5,079 |
| Noncurrent loans to loans | 0.0967% | 5,506 |
| Net loans and leases to total assets | 60.8003% | 3,674 |
| Net loans and leases to deposits | 67.9366% | 4,132 |
| Net loans and leases to core deposits | 68.5994% | 4,440 |
| Total domestic deposits to total assets | 89.4956% | 977 |
| Equity capital to assets | 9.9875% | 4,128 |
| Core capital (leverage) ratio | 9.7519% | 3,901 |
| Tier 1 risk-based capital ratio | 14.9386% | 3,523 |
| Total risk-based capital ratio | 16.0573% | 3,530 |
| Memoranda: | ||
| Average total assets | $200,557,600 | 2,989 |
| Average earning assets | $180,313,800 | 3,041 |
| Average equity | $19,640,400 | 3,196 |
| Average total loans | $115,801,600 | 3,112 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 2,174 |
| Cost of funding earning assets | 0.0342% | 6,534 |
| Net interest margin | 4.3822% | 907 |
| Noninterest income to average assets | 1.8025% | 405 |
| Noninterest expense to average assets | 4.5548% | 436 |
| Loan and lease loss provision to assets | 0.0180% | 4,048 |
| Net operating income to assets | 0.8278% | 3,296 |
| Return on assets (ROA) | 0.8278% | 3,385 |
| Pretax return on assets | 1.1641% | 2,932 |
| Return on Equity (ROE) | 8.4965% | 2,948 |
| Retained earnings to average equity (ytd only) | 4.1147% | 3,727 |
| Net charge-offs to loans | 0.0493% | 3,513 |
| Credit loss provision to net charge-offs | 64.2857% | 2,868 |
| Earnings coverage of net charge-offs (x) | 42.1895% | 1,089 |
| Efficiency ratio | 79.3953% | 2,002 |
| Assets per employee ($millions) | 1.7760% | 6,477 |
| Cash dividends to net income (ytd only)* | 51.5710% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 4,322 |
| Loan loss allowance to noncurrent loans | 18,550.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.2003% | 5,420 |
| Noncurrent loans to loans | 0.0064% | 6,019 |
| Net loans and leases to total assets | 61.7426% | 3,526 |
| Net loans and leases to deposits | 69.3560% | 3,987 |
| Net loans and leases to core deposits | 70.4631% | 4,285 |
| Total domestic deposits to total assets | 89.0228% | 1,226 |
| Equity capital to assets | 9.9343% | 4,251 |
| Core capital (leverage) ratio | 9.4431% | 4,447 |
| Tier 1 risk-based capital ratio | 14.6493% | 3,787 |
| Total risk-based capital ratio | 15.7588% | 3,816 |
| Memoranda: | ||
| Average total assets | $199,870,750 | 3,017 |
| Average earning assets | $179,450,000 | 3,070 |
| Average equity | $19,474,250 | 3,229 |
| Average total loans | $113,477,750 | 3,174 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,522 |
| Cost of funding earning assets | 0.0346% | 6,600 |
| Net interest margin | 4.2847% | 1,061 |
| Noninterest income to average assets | 1.7655% | 421 |
| Noninterest expense to average assets | 4.5311% | 437 |
| Loan and lease loss provision to assets | 0.0160% | 3,938 |
| Net operating income to assets | 0.7625% | 3,501 |
| Return on assets (ROA) | 0.7625% | 3,609 |
| Pretax return on assets | 1.0631% | 3,237 |
| Return on Equity (ROE) | 7.8778% | 3,170 |
| Retained earnings to average equity (ytd only) | 3.7371% | 3,814 |
| Net charge-offs to loans | 0.0329% | 3,547 |
| Credit loss provision to net charge-offs | 88.8889% | 2,196 |
| Earnings coverage of net charge-offs (x) | 59.8333% | 808 |
| Efficiency ratio | 80.7644% | 1,913 |
| Assets per employee ($millions) | 1.8287% | 6,541 |
| Cash dividends to net income (ytd only)* | 52.5624% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 3,911 |
| Loan loss allowance to noncurrent loans | 6,809.0909% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 5,513 |
| Noncurrent loans to loans | 0.0189% | 6,015 |
| Net loans and leases to total assets | 56.0093% | 4,286 |
| Net loans and leases to deposits | 62.4929% | 4,641 |
| Net loans and leases to core deposits | 63.1142% | 4,892 |
| Total domestic deposits to total assets | 89.6250% | 1,005 |
| Equity capital to assets | 9.6026% | 4,621 |
| Core capital (leverage) ratio | 9.7176% | 4,013 |
| Tier 1 risk-based capital ratio | 15.2228% | 3,513 |
| Total risk-based capital ratio | 16.4011% | 3,504 |
| Memoranda: | ||
| Average total assets | $199,598,330 | 3,041 |
| Average earning assets | $179,103,670 | 3,091 |
| Average equity | $19,320,000 | 3,236 |
| Average total loans | $109,505,670 | 3,253 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 2,874 |
| Cost of funding earning assets | 0.0385% | 6,672 |
| Net interest margin | 4.1621% | 1,315 |
| Noninterest income to average assets | 1.7361% | 424 |
| Noninterest expense to average assets | 4.5565% | 431 |
| Loan and lease loss provision to assets | 0.0122% | 3,671 |
| Net operating income to assets | 0.6579% | 3,900 |
| Return on assets (ROA) | 0.6579% | 3,997 |
| Pretax return on assets | 0.8955% | 3,714 |
| Return on Equity (ROE) | 6.7689% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.7689% | 2,158 |
| Net charge-offs to loans | 0.0452% | 2,749 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 37.2500% | 921 |
| Efficiency ratio | 83.3891% | 1,745 |
| Assets per employee ($millions) | 1.8673% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,580 |
| Loan loss allowance to noncurrent loans | 1,821.9512% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 5,617 |
| Noncurrent loans to loans | 0.0771% | 5,905 |
| Net loans and leases to total assets | 52.4930% | 4,619 |
| Net loans and leases to deposits | 58.5480% | 4,884 |
| Net loans and leases to core deposits | 59.0531% | 5,120 |
| Total domestic deposits to total assets | 89.6581% | 1,272 |
| Equity capital to assets | 9.6838% | 4,251 |
| Core capital (leverage) ratio | 9.7918% | 3,874 |
| Tier 1 risk-based capital ratio | 16.3638% | 2,969 |
| Total risk-based capital ratio | 17.6142% | 2,937 |
| Memoranda: | ||
| Average total assets | $196,993,000 | 3,088 |
| Average earning assets | $176,448,500 | 3,145 |
| Average equity | $19,146,500 | 3,260 |
| Average total loans | $106,153,500 | 3,340 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 2,449 |
| Cost of funding earning assets | 0.0779% | 6,713 |
| Net interest margin | 4.3572% | 982 |
| Noninterest income to average assets | 1.8202% | 456 |
| Noninterest expense to average assets | 4.4902% | 532 |
| Loan and lease loss provision to assets | 0.0612% | 3,919 |
| Net operating income to assets | 0.8220% | 3,175 |
| Return on assets (ROA) | 0.8238% | 3,260 |
| Pretax return on assets | 1.1556% | 2,751 |
| Return on Equity (ROE) | 8.5625% | 2,750 |
| Retained earnings to average equity (ytd only) | 3.7397% | 3,561 |
| Net charge-offs to loans | 0.0701% | 4,227 |
| Credit loss provision to net charge-offs | 157.3333% | 1,466 |
| Earnings coverage of net charge-offs (x) | 31.2267% | 1,144 |
| Efficiency ratio | 78.7149% | 2,359 |
| Assets per employee ($millions) | 1.8148% | 6,676 |
| Cash dividends to net income (ytd only)* | 56.3247% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 3,570 |
| Loan loss allowance to noncurrent loans | 1,339.2857% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,615 |
| Noncurrent loans to loans | 0.1057% | 5,895 |
| Net loans and leases to total assets | 53.7793% | 4,612 |
| Net loans and leases to deposits | 60.0335% | 4,935 |
| Net loans and leases to core deposits | 60.4778% | 5,188 |
| Total domestic deposits to total assets | 89.5823% | 1,279 |
| Equity capital to assets | 9.7560% | 4,094 |
| Core capital (leverage) ratio | 9.7162% | 3,967 |
| Tier 1 risk-based capital ratio | 15.2038% | 3,544 |
| Total risk-based capital ratio | 16.4045% | 3,519 |
| Memoranda: | ||
| Average total assets | $192,888,000 | 3,111 |
| Average earning assets | $171,944,600 | 3,193 |
| Average equity | $18,557,600 | 3,333 |
| Average total loans | $106,985,800 | 3,305 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 2,368 |
| Cost of funding earning assets | 0.0870% | 6,788 |
| Net interest margin | 4.3775% | 936 |
| Noninterest income to average assets | 1.8494% | 464 |
| Noninterest expense to average assets | 4.4763% | 534 |
| Loan and lease loss provision to assets | 0.0734% | 3,591 |
| Net operating income to assets | 0.8480% | 3,108 |
| Return on assets (ROA) | 0.8475% | 3,228 |
| Pretax return on assets | 1.2006% | 2,691 |
| Return on Equity (ROE) | 8.8402% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.2179% | 3,685 |
| Net charge-offs to loans | 0.0771% | 3,841 |
| Credit loss provision to net charge-offs | 170.9677% | 1,396 |
| Earnings coverage of net charge-offs (x) | 29.6953% | 1,242 |
| Efficiency ratio | 77.8353% | 2,446 |
| Assets per employee ($millions) | 1.8798% | 6,738 |
| Cash dividends to net income (ytd only)* | 52.2874% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 3,394 |
| Loan loss allowance to noncurrent loans | 15,010.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,819 |
| Noncurrent loans to loans | 0.0101% | 6,342 |
| Net loans and leases to total assets | 49.9003% | 5,146 |
| Net loans and leases to deposits | 55.8740% | 5,383 |
| Net loans and leases to core deposits | 56.2464% | 5,602 |
| Total domestic deposits to total assets | 89.3085% | 1,401 |
| Equity capital to assets | 9.6193% | 4,393 |
| Core capital (leverage) ratio | 9.4632% | 4,458 |
| Tier 1 risk-based capital ratio | 15.9564% | 3,219 |
| Total risk-based capital ratio | 17.2062% | 3,173 |
| Memoranda: | ||
| Average total assets | $192,563,000 | 3,142 |
| Average earning assets | $171,629,750 | 3,224 |
| Average equity | $18,460,750 | 3,380 |
| Average total loans | $107,249,000 | 3,324 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 2,519 |
| Cost of funding earning assets | 0.1031% | 6,817 |
| Net interest margin | 4.3089% | 1,014 |
| Noninterest income to average assets | 1.7914% | 518 |
| Noninterest expense to average assets | 4.4378% | 555 |
| Loan and lease loss provision to assets | 0.0919% | 3,253 |
| Net operating income to assets | 0.7840% | 3,381 |
| Return on assets (ROA) | 0.7840% | 3,545 |
| Pretax return on assets | 1.1003% | 3,094 |
| Return on Equity (ROE) | 8.1872% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.9167% | 3,106 |
| Net charge-offs to loans | 0.0636% | 3,792 |
| Credit loss provision to net charge-offs | 251.4286% | 991 |
| Earnings coverage of net charge-offs (x) | 32.6286% | 1,081 |
| Efficiency ratio | 78.8244% | 2,334 |
| Assets per employee ($millions) | 1.8469% | 6,788 |
| Cash dividends to net income (ytd only)* | 39.9467% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 3,957 |
| Loan loss allowance to noncurrent loans | 1,048.6111% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 5,557 |
| Noncurrent loans to loans | 0.1351% | 5,986 |
| Net loans and leases to total assets | 54.6994% | 4,494 |
| Net loans and leases to deposits | 61.3429% | 4,819 |
| Net loans and leases to core deposits | 62.3657% | 5,062 |
| Total domestic deposits to total assets | 89.1700% | 1,524 |
| Equity capital to assets | 9.9554% | 3,968 |
| Core capital (leverage) ratio | 9.9604% | 3,574 |
| Tier 1 risk-based capital ratio | 15.6188% | 3,415 |
| Total risk-based capital ratio | 16.8530% | 3,374 |
| Memoranda: | ||
| Average total assets | $191,583,330 | 3,172 |
| Average earning assets | $170,669,330 | 3,246 |
| Average equity | $18,345,670 | 3,417 |
| Average total loans | $109,979,670 | 3,273 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 2,003 |
| Cost of funding earning assets | 0.1365% | 6,829 |
| Net interest margin | 4.4095% | 792 |
| Noninterest income to average assets | 1.7414% | 527 |
| Noninterest expense to average assets | 4.4613% | 551 |
| Loan and lease loss provision to assets | 0.0857% | 3,233 |
| Net operating income to assets | 0.7944% | 3,195 |
| Return on assets (ROA) | 0.7944% | 3,330 |
| Pretax return on assets | 1.1122% | 2,905 |
| Return on Equity (ROE) | 8.4644% | 2,737 |
| Retained earnings to average equity (ytd only) | 8.4644% | 1,574 |
| Net charge-offs to loans | 0.0215% | 3,739 |
| Credit loss provision to net charge-offs | 683.3333% | 409 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 397 |
| Efficiency ratio | 78.8327% | 2,484 |
| Assets per employee ($millions) | 1.8527% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,191 |
| Loan loss allowance to noncurrent loans | 2,572.4138% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 5,872 |
| Noncurrent loans to loans | 0.0547% | 6,310 |
| Net loans and leases to total assets | 53.7148% | 4,461 |
| Net loans and leases to deposits | 59.7609% | 4,819 |
| Net loans and leases to core deposits | 60.9137% | 5,064 |
| Total domestic deposits to total assets | 89.8828% | 1,119 |
| Equity capital to assets | 9.3039% | 5,124 |
| Core capital (leverage) ratio | 9.3380% | 4,344 |
| Tier 1 risk-based capital ratio | 14.7395% | 4,004 |
| Total risk-based capital ratio | 15.9831% | 3,980 |
| Memoranda: | ||
| Average total assets | $191,336,500 | 3,208 |
| Average earning assets | $169,996,000 | 3,279 |
| Average equity | $17,957,500 | 3,529 |
| Average total loans | $111,682,000 | 3,252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 2,696 |
| Cost of funding earning assets | 0.1661% | 6,892 |
| Net interest margin | 4.5069% | 938 |
| Noninterest income to average assets | 1.7929% | 516 |
| Noninterest expense to average assets | 4.5974% | 520 |
| Loan and lease loss provision to assets | 0.0092% | 5,805 |
| Net operating income to assets | 0.8486% | 3,053 |
| Return on assets (ROA) | 0.8486% | 3,304 |
| Pretax return on assets | 1.1958% | 2,821 |
| Return on Equity (ROE) | 8.9676% | 2,653 |
| Retained earnings to average equity (ytd only) | 4.9488% | 2,735 |
| Net charge-offs to loans | -0.0037% | 6,364 |
| Credit loss provision to net charge-offs | -425.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2322% | 2,250 |
| Assets per employee ($millions) | 1.7261% | 6,959 |
| Cash dividends to net income (ytd only)* | 44.8143% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 4,922 |
| Loan loss allowance to noncurrent loans | 2,512.0690% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 5,949 |
| Noncurrent loans to loans | 0.0494% | 6,375 |
| Net loans and leases to total assets | 61.6146% | 3,315 |
| Net loans and leases to deposits | 69.0799% | 3,824 |
| Net loans and leases to core deposits | 70.2538% | 4,274 |
| Total domestic deposits to total assets | 89.1933% | 1,440 |
| Equity capital to assets | 9.4694% | 4,913 |
| Core capital (leverage) ratio | 9.2687% | 4,475 |
| Tier 1 risk-based capital ratio | 13.9063% | 4,445 |
| Total risk-based capital ratio | 15.0779% | 4,465 |
| Memoranda: | ||
| Average total assets | $184,061,600 | 3,256 |
| Average earning assets | $163,747,800 | 3,323 |
| Average equity | $17,418,200 | 3,556 |
| Average total loans | $106,729,400 | 3,359 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 3,091 |
| Cost of funding earning assets | 0.1793% | 6,990 |
| Net interest margin | 4.4530% | 1,085 |
| Noninterest income to average assets | 1.8298% | 480 |
| Noninterest expense to average assets | 4.6232% | 491 |
| Loan and lease loss provision to assets | 0.0022% | 5,776 |
| Net operating income to assets | 0.8391% | 3,264 |
| Return on assets (ROA) | 0.8391% | 3,514 |
| Pretax return on assets | 1.1837% | 3,049 |
| Return on Equity (ROE) | 8.8688% | 2,864 |
| Retained earnings to average equity (ytd only) | 4.6346% | 3,637 |
| Net charge-offs to loans | -0.0231% | 6,527 |
| Credit loss provision to net charge-offs | -16.6667% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5862% | 2,158 |
| Assets per employee ($millions) | 1.8239% | 7,042 |
| Cash dividends to net income (ytd only)* | 47.7434% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 4,588 |
| Loan loss allowance to noncurrent loans | 11,207.6923% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 5,556 |
| Noncurrent loans to loans | 0.0120% | 6,624 |
| Net loans and leases to total assets | 56.1713% | 4,425 |
| Net loans and leases to deposits | 63.1235% | 4,824 |
| Net loans and leases to core deposits | 64.1898% | 5,129 |
| Total domestic deposits to total assets | 88.9864% | 1,434 |
| Equity capital to assets | 9.3239% | 5,442 |
| Core capital (leverage) ratio | 9.0771% | 4,954 |
| Tier 1 risk-based capital ratio | 14.9735% | 3,867 |
| Total risk-based capital ratio | 16.2235% | 3,817 |
| Memoranda: | ||
| Average total assets | $183,041,500 | 3,298 |
| Average earning assets | $163,571,000 | 3,355 |
| Average equity | $17,318,750 | 3,605 |
| Average total loans | $104,066,750 | 3,456 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 3,023 |
| Cost of funding earning assets | 0.1873% | 7,054 |
| Net interest margin | 4.4880% | 1,015 |
| Noninterest income to average assets | 1.8504% | 449 |
| Noninterest expense to average assets | 4.6741% | 466 |
| Loan and lease loss provision to assets | 0.0033% | 5,601 |
| Net operating income to assets | 0.8362% | 3,212 |
| Return on assets (ROA) | 0.8362% | 3,479 |
| Pretax return on assets | 1.1746% | 3,034 |
| Return on Equity (ROE) | 8.7926% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.8850% | 2,769 |
| Net charge-offs to loans | -0.0058% | 6,191 |
| Credit loss provision to net charge-offs | -100.0000% | 6,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8715% | 2,206 |
| Assets per employee ($millions) | 1.7612% | 7,111 |
| Cash dividends to net income (ytd only)* | 33.0688% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,709 |
| Loan loss allowance to noncurrent loans | 11,092.3077% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 5,464 |
| Noncurrent loans to loans | 0.0121% | 6,670 |
| Net loans and leases to total assets | 58.0513% | 4,148 |
| Net loans and leases to deposits | 65.1755% | 4,622 |
| Net loans and leases to core deposits | 66.7944% | 4,917 |
| Total domestic deposits to total assets | 89.0692% | 1,465 |
| Equity capital to assets | 9.4965% | 5,064 |
| Core capital (leverage) ratio | 9.1815% | 4,641 |
| Tier 1 risk-based capital ratio | 14.8357% | 3,875 |
| Total risk-based capital ratio | 16.0861% | 3,826 |
| Memoranda: | ||
| Average total assets | $180,827,330 | 3,341 |
| Average earning assets | $161,231,330 | 3,401 |
| Average equity | $17,196,330 | 3,613 |
| Average total loans | $102,754,000 | 3,501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 3,073 |
| Cost of funding earning assets | 0.1552% | 7,177 |
| Net interest margin | 4.5396% | 940 |
| Noninterest income to average assets | 2.0016% | 408 |
| Noninterest expense to average assets | 4.7957% | 419 |
| Loan and lease loss provision to assets | 0.0067% | 5,198 |
| Net operating income to assets | 0.8817% | 3,009 |
| Return on assets (ROA) | 0.8817% | 3,228 |
| Pretax return on assets | 1.2357% | 2,782 |
| Return on Equity (ROE) | 9.2645% | 2,702 |
| Retained earnings to average equity (ytd only) | 9.2645% | 1,496 |
| Net charge-offs to loans | 0.0120% | 4,541 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 197 |
| Efficiency ratio | 79.4248% | 2,281 |
| Assets per employee ($millions) | 1.7881% | 7,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 4,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 5,517 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.9614% | 5,313 |
| Net loans and leases to deposits | 55.8975% | 5,613 |
| Net loans and leases to core deposits | 57.3513% | 5,775 |
| Total domestic deposits to total assets | 89.3803% | 1,435 |
| Equity capital to assets | 9.2232% | 5,201 |
| Core capital (leverage) ratio | 9.1218% | 4,652 |
| Tier 1 risk-based capital ratio | 16.3217% | 3,005 |
| Total risk-based capital ratio | 17.5735% | 2,963 |
| Memoranda: | ||
| Average total assets | $179,660,000 | 3,382 |
| Average earning assets | $159,749,000 | 3,441 |
| Average equity | $17,097,500 | 3,631 |
| Average total loans | $100,246,000 | 3,592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9599% | 3,070 |
| Cost of funding earning assets | 0.2423% | 7,184 |
| Net interest margin | 4.7176% | 722 |
| Noninterest income to average assets | 2.0588% | 359 |
| Noninterest expense to average assets | 4.9443% | 395 |
| Loan and lease loss provision to assets | 0.0833% | 5,571 |
| Net operating income to assets | 0.8493% | 2,825 |
| Return on assets (ROA) | 0.8584% | 2,933 |
| Pretax return on assets | 1.1956% | 2,475 |
| Return on Equity (ROE) | 8.6070% | 2,628 |
| Retained earnings to average equity (ytd only) | 1.8800% | 4,868 |
| Net charge-offs to loans | 0.1524% | 4,921 |
| Credit loss provision to net charge-offs | 93.2886% | 3,863 |
| Earnings coverage of net charge-offs (x) | 14.1879% | 1,478 |
| Efficiency ratio | 79.6103% | 2,359 |
| Assets per employee ($millions) | 1.6340% | 7,247 |
| Cash dividends to net income (ytd only)* | 78.1577% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 4,783 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 60.5106% | 3,889 |
| Net loans and leases to deposits | 68.1559% | 4,422 |
| Net loans and leases to core deposits | 69.8254% | 4,799 |
| Total domestic deposits to total assets | 88.7827% | 1,668 |
| Equity capital to assets | 9.8377% | 4,385 |
| Core capital (leverage) ratio | 9.5916% | 3,885 |
| Tier 1 risk-based capital ratio | 14.6377% | 3,874 |
| Total risk-based capital ratio | 15.8885% | 3,853 |
| Memoranda: | ||
| Average total assets | $166,938,800 | 3,539 |
| Average earning assets | $146,919,200 | 3,625 |
| Average equity | $16,649,200 | 3,631 |
| Average total loans | $97,748,200 | 3,679 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9746% | 3,215 |
| Cost of funding earning assets | 0.2533% | 7,275 |
| Net interest margin | 4.7213% | 731 |
| Noninterest income to average assets | 2.1039% | 354 |
| Noninterest expense to average assets | 4.9477% | 390 |
| Loan and lease loss provision to assets | 0.1054% | 5,130 |
| Net operating income to assets | 0.8613% | 2,905 |
| Return on assets (ROA) | 0.8734% | 2,995 |
| Pretax return on assets | 1.2200% | 2,559 |
| Return on Equity (ROE) | 8.7269% | 2,729 |
| Retained earnings to average equity (ytd only) | 4.1465% | 3,781 |
| Net charge-offs to loans | 0.2183% | 4,071 |
| Credit loss provision to net charge-offs | 83.4395% | 4,019 |
| Earnings coverage of net charge-offs (x) | 10.3630% | 1,932 |
| Efficiency ratio | 79.0847% | 2,398 |
| Assets per employee ($millions) | 1.6882% | 7,309 |
| Cash dividends to net income (ytd only)* | 52.4863% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0292% | 4,706 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 58.1098% | 4,497 |
| Net loans and leases to deposits | 65.5934% | 4,959 |
| Net loans and leases to core deposits | 67.1657% | 5,285 |
| Total domestic deposits to total assets | 88.5909% | 1,700 |
| Equity capital to assets | 9.6981% | 4,783 |
| Core capital (leverage) ratio | 9.6676% | 3,891 |
| Tier 1 risk-based capital ratio | 14.6137% | 3,894 |
| Total risk-based capital ratio | 15.8618% | 3,871 |
| Memoranda: | ||
| Average total assets | $165,782,250 | 3,580 |
| Average earning assets | $145,804,750 | 3,665 |
| Average equity | $16,592,000 | 3,648 |
| Average total loans | $95,872,500 | 3,761 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0825% | 2,760 |
| Cost of funding earning assets | 0.2720% | 7,345 |
| Net interest margin | 4.8105% | 591 |
| Noninterest income to average assets | 2.1499% | 331 |
| Noninterest expense to average assets | 4.9840% | 375 |
| Loan and lease loss provision to assets | 0.1341% | 4,622 |
| Net operating income to assets | 0.8970% | 2,650 |
| Return on assets (ROA) | 0.9156% | 2,669 |
| Pretax return on assets | 1.2798% | 2,206 |
| Return on Equity (ROE) | 9.0472% | 2,491 |
| Retained earnings to average equity (ytd only) | 5.1560% | 2,907 |
| Net charge-offs to loans | 0.2935% | 3,409 |
| Credit loss provision to net charge-offs | 79.5620% | 3,786 |
| Earnings coverage of net charge-offs (x) | 8.2336% | 2,093 |
| Efficiency ratio | 78.2155% | 2,678 |
| Assets per employee ($millions) | 1.6109% | 7,392 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 4,162 |
| Loan loss allowance to noncurrent loans | 984.7222% | 378 |
| Noncurrent assets plus other real estate owned to assets | 1.3392% | 4,221 |
| Noncurrent loans to loans | 0.1517% | 6,604 |
| Net loans and leases to total assets | 56.3604% | 4,928 |
| Net loans and leases to deposits | 63.7624% | 5,308 |
| Net loans and leases to core deposits | 65.2029% | 5,591 |
| Total domestic deposits to total assets | 88.3913% | 1,922 |
| Equity capital to assets | 10.0568% | 4,070 |
| Core capital (leverage) ratio | 10.0280% | 3,230 |
| Tier 1 risk-based capital ratio | 15.5739% | 3,203 |
| Total risk-based capital ratio | 16.8247% | 3,156 |
| Memoranda: | ||
| Average total assets | $162,519,330 | 3,640 |
| Average earning assets | $142,646,000 | 3,753 |
| Average equity | $16,447,000 | 3,662 |
| Average total loans | $93,348,670 | 3,854 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 2,939 |
| Cost of funding earning assets | 0.2944% | 7,397 |
| Net interest margin | 4.7389% | 654 |
| Noninterest income to average assets | 2.1987% | 320 |
| Noninterest expense to average assets | 4.9521% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0073% | 2,162 |
| Return on assets (ROA) | 1.0073% | 2,211 |
| Pretax return on assets | 1.4103% | 1,701 |
| Return on Equity (ROE) | 9.9219% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.9219% | 1,134 |
| Net charge-offs to loans | 0.0130% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 189.0000% | 163 |
| Efficiency ratio | 77.8342% | 2,870 |
| Assets per employee ($millions) | 1.5742% | 7,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 4,057 |
| Loan loss allowance to noncurrent loans | 326.4706% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.1288% | 4,673 |
| Noncurrent loans to loans | 0.4682% | 6,078 |
| Net loans and leases to total assets | 56.7792% | 4,852 |
| Net loans and leases to deposits | 64.2694% | 5,218 |
| Net loans and leases to core deposits | 65.7421% | 5,542 |
| Total domestic deposits to total assets | 88.3456% | 2,172 |
| Equity capital to assets | 10.1274% | 3,618 |
| Core capital (leverage) ratio | 10.3766% | 2,727 |
| Tier 1 risk-based capital ratio | 15.5308% | 3,148 |
| Total risk-based capital ratio | 16.7818% | 3,099 |
| Memoranda: | ||
| Average total assets | $160,820,000 | 3,694 |
| Average earning assets | $141,298,000 | 3,795 |
| Average equity | $16,327,500 | 3,669 |
| Average total loans | $92,558,000 | 3,908 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3659% | 2,828 |
| Cost of funding earning assets | 0.4433% | 7,377 |
| Net interest margin | 4.9225% | 512 |
| Noninterest income to average assets | 2.0343% | 382 |
| Noninterest expense to average assets | 5.1591% | 377 |
| Loan and lease loss provision to assets | 0.0176% | 6,935 |
| Net operating income to assets | 0.8196% | 2,713 |
| Return on assets (ROA) | 0.8240% | 2,836 |
| Pretax return on assets | 1.1808% | 2,288 |
| Return on Equity (ROE) | 8.0170% | 2,692 |
| Retained earnings to average equity (ytd only) | 2.4039% | 4,192 |
| Net charge-offs to loans | 0.0600% | 6,194 |
| Credit loss provision to net charge-offs | 48.2759% | 6,290 |
| Earnings coverage of net charge-offs (x) | 32.7759% | 681 |
| Efficiency ratio | 81.2303% | 2,256 |
| Assets per employee ($millions) | 1.6281% | 7,531 |
| Cash dividends to net income (ytd only)* | 70.0152% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5940% | 3,597 |
| Loan loss allowance to noncurrent loans | 220.7634% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.4406% | 4,171 |
| Noncurrent loans to loans | 0.7220% | 5,602 |
| Net loans and leases to total assets | 56.5275% | 5,253 |
| Net loans and leases to deposits | 63.8823% | 5,642 |
| Net loans and leases to core deposits | 66.3710% | 5,837 |
| Total domestic deposits to total assets | 88.4869% | 1,953 |
| Equity capital to assets | 10.1789% | 3,523 |
| Core capital (leverage) ratio | 10.1859% | 2,879 |
| Tier 1 risk-based capital ratio | 15.2673% | 3,120 |
| Total risk-based capital ratio | 16.5192% | 3,067 |
| Memoranda: | ||
| Average total assets | $159,465,000 | 3,707 |
| Average earning assets | $139,846,800 | 3,822 |
| Average equity | $16,390,200 | 3,690 |
| Average total loans | $96,745,800 | 3,880 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 2,798 |
| Cost of funding earning assets | 0.4712% | 7,487 |
| Net interest margin | 4.9475% | 491 |
| Noninterest income to average assets | 2.0193% | 367 |
| Noninterest expense to average assets | 5.0646% | 359 |
| Loan and lease loss provision to assets | 0.0192% | 6,858 |
| Net operating income to assets | 0.8693% | 2,741 |
| Return on assets (ROA) | 0.8750% | 2,846 |
| Pretax return on assets | 1.2787% | 2,236 |
| Return on Equity (ROE) | 8.4925% | 2,690 |
| Retained earnings to average equity (ytd only) | 4.8494% | 3,082 |
| Net charge-offs to loans | 0.0122% | 6,496 |
| Credit loss provision to net charge-offs | 255.5556% | 1,301 |
| Earnings coverage of net charge-offs (x) | 171.7733% | 191 |
| Efficiency ratio | 79.7060% | 2,388 |
| Assets per employee ($millions) | 1.5651% | 7,645 |
| Cash dividends to net income (ytd only)* | 42.8984% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,556 |
| Loan loss allowance to noncurrent loans | 348.9461% | 857 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 5,079 |
| Noncurrent loans to loans | 0.4562% | 6,273 |
| Net loans and leases to total assets | 58.2720% | 5,219 |
| Net loans and leases to deposits | 66.5001% | 5,608 |
| Net loans and leases to core deposits | 69.6372% | 5,782 |
| Total domestic deposits to total assets | 87.6268% | 2,196 |
| Equity capital to assets | 10.5475% | 3,472 |
| Core capital (leverage) ratio | 10.2910% | 2,932 |
| Tier 1 risk-based capital ratio | 15.0825% | 3,213 |
| Total risk-based capital ratio | 16.3336% | 3,202 |
| Memoranda: | ||
| Average total assets | $159,850,000 | 3,755 |
| Average earning assets | $140,052,500 | 3,873 |
| Average equity | $16,469,000 | 3,729 |
| Average total loans | $98,253,000 | 3,910 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 2,700 |
| Cost of funding earning assets | 0.4640% | 7,589 |
| Net interest margin | 4.9958% | 424 |
| Noninterest income to average assets | 2.0157% | 351 |
| Noninterest expense to average assets | 5.0785% | 356 |
| Loan and lease loss provision to assets | 0.0249% | 6,689 |
| Net operating income to assets | 0.8903% | 2,583 |
| Return on assets (ROA) | 0.8988% | 2,676 |
| Pretax return on assets | 1.3139% | 2,046 |
| Return on Equity (ROE) | 8.7921% | 2,557 |
| Retained earnings to average equity (ytd only) | 6.7801% | 1,934 |
| Net charge-offs to loans | 0.0120% | 6,176 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 177.3333% | 199 |
| Efficiency ratio | 79.2916% | 2,530 |
| Assets per employee ($millions) | 1.5711% | 7,712 |
| Cash dividends to net income (ytd only)* | 22.8849% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 3,890 |
| Loan loss allowance to noncurrent loans | 8,272.2222% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 5,453 |
| Noncurrent loans to loans | 0.0182% | 7,283 |
| Net loans and leases to total assets | 61.3498% | 4,810 |
| Net loans and leases to deposits | 69.9275% | 5,289 |
| Net loans and leases to core deposits | 73.5406% | 5,494 |
| Total domestic deposits to total assets | 87.7336% | 2,147 |
| Equity capital to assets | 10.4849% | 3,428 |
| Core capital (leverage) ratio | 10.1154% | 3,044 |
| Tier 1 risk-based capital ratio | 15.4968% | 2,893 |
| Total risk-based capital ratio | 16.7490% | 2,860 |
| Memoranda: | ||
| Average total assets | $160,441,330 | 3,782 |
| Average earning assets | $140,957,000 | 3,887 |
| Average equity | $16,401,000 | 3,737 |
| Average total loans | $99,802,670 | 3,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3752% | 3,165 |
| Cost of funding earning assets | 0.5017% | 7,670 |
| Net interest margin | 4.8735% | 560 |
| Noninterest income to average assets | 1.8795% | 369 |
| Noninterest expense to average assets | 4.9889% | 367 |
| Loan and lease loss provision to assets | 0.0496% | 6,167 |
| Net operating income to assets | 0.7813% | 3,054 |
| Return on assets (ROA) | 0.7984% | 3,075 |
| Pretax return on assets | 1.1530% | 2,542 |
| Return on Equity (ROE) | 7.9103% | 2,931 |
| Retained earnings to average equity (ytd only) | 7.9103% | 1,743 |
| Net charge-offs to loans | 0.0239% | 5,244 |
| Credit loss provision to net charge-offs | 333.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 79.1667% | 391 |
| Efficiency ratio | 80.9007% | 2,425 |
| Assets per employee ($millions) | 1.6810% | 7,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,752 |
| Loan loss allowance to noncurrent loans | 411.6022% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.7740% | 5,600 |
| Noncurrent loans to loans | 0.3716% | 6,550 |
| Net loans and leases to total assets | 57.0603% | 5,592 |
| Net loans and leases to deposits | 64.3770% | 6,019 |
| Net loans and leases to core deposits | 68.7811% | 6,023 |
| Total domestic deposits to total assets | 88.6345% | 1,715 |
| Equity capital to assets | 9.7611% | 4,160 |
| Core capital (leverage) ratio | 10.1147% | 3,028 |
| Tier 1 risk-based capital ratio | 15.1484% | 3,045 |
| Total risk-based capital ratio | 16.4008% | 2,999 |
| Memoranda: | ||
| Average total assets | $161,319,500 | 3,815 |
| Average earning assets | $141,911,000 | 3,922 |
| Average equity | $16,282,500 | 3,783 |
| Average total loans | $100,283,000 | 3,955 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2523% | 1,115 |
| Cost of funding earning assets | 0.6456% | 7,740 |
| Net interest margin | 5.6067% | 168 |
| Noninterest income to average assets | 2.1813% | 332 |
| Noninterest expense to average assets | 5.5365% | 388 |
| Loan and lease loss provision to assets | 0.4977% | 3,886 |
| Net operating income to assets | 0.7229% | 2,843 |
| Return on assets (ROA) | 0.7320% | 2,884 |
| Pretax return on assets | 1.0786% | 2,312 |
| Return on Equity (ROE) | 7.0209% | 2,777 |
| Retained earnings to average equity (ytd only) | 0.9317% | 4,373 |
| Net charge-offs to loans | 0.3228% | 4,619 |
| Credit loss provision to net charge-offs | 235.4354% | 1,541 |
| Earnings coverage of net charge-offs (x) | 7.3934% | 2,157 |
| Efficiency ratio | 77.9844% | 3,193 |
| Assets per employee ($millions) | 1.5770% | 7,886 |
| Cash dividends to net income (ytd only)* | 86.7303% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,071 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 5,548 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.7966% | 4,208 |
| Net loans and leases to deposits | 75.8372% | 4,770 |
| Net loans and leases to core deposits | 84.7303% | 5,652 |
| Total domestic deposits to total assets | 86.7603% | 2,628 |
| Equity capital to assets | 10.4547% | 3,235 |
| Core capital (leverage) ratio | 9.8832% | 3,225 |
| Tier 1 risk-based capital ratio | 14.0389% | 3,478 |
| Total risk-based capital ratio | 15.2898% | 3,430 |
| Memoranda: | ||
| Average total assets | $157,518,000 | 3,818 |
| Average earning assets | $138,173,600 | 3,939 |
| Average equity | $16,422,400 | 3,795 |
| Average total loans | $103,155,800 | 3,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3189% | 1,091 |
| Cost of funding earning assets | 0.6697% | 7,840 |
| Net interest margin | 5.6493% | 153 |
| Noninterest income to average assets | 2.1601% | 328 |
| Noninterest expense to average assets | 5.5358% | 372 |
| Loan and lease loss provision to assets | 0.1154% | 6,209 |
| Net operating income to assets | 0.9806% | 2,127 |
| Return on assets (ROA) | 0.9924% | 2,148 |
| Pretax return on assets | 1.4870% | 1,452 |
| Return on Equity (ROE) | 9.5255% | 2,089 |
| Retained earnings to average equity (ytd only) | 4.6738% | 2,671 |
| Net charge-offs to loans | 0.2792% | 4,285 |
| Credit loss provision to net charge-offs | 63.4259% | 6,114 |
| Earnings coverage of net charge-offs (x) | 8.7084% | 2,209 |
| Efficiency ratio | 77.7449% | 3,207 |
| Assets per employee ($millions) | 1.5442% | 7,977 |
| Cash dividends to net income (ytd only)* | 50.9337% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,748 |
| Loan loss allowance to noncurrent loans | 132.6788% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.3860% | 4,324 |
| Noncurrent loans to loans | 0.6798% | 5,940 |
| Net loans and leases to total assets | 65.9892% | 4,433 |
| Net loans and leases to deposits | 75.3970% | 5,137 |
| Net loans and leases to core deposits | 85.0367% | 5,963 |
| Total domestic deposits to total assets | 87.5224% | 1,873 |
| Equity capital to assets | 10.5545% | 3,453 |
| Core capital (leverage) ratio | 10.1099% | 3,162 |
| Tier 1 risk-based capital ratio | 14.3593% | 3,353 |
| Total risk-based capital ratio | 15.2004% | 3,527 |
| Memoranda: | ||
| Average total assets | $158,261,750 | 3,822 |
| Average earning assets | $138,964,750 | 3,953 |
| Average equity | $16,488,750 | 3,815 |
| Average total loans | $103,154,750 | 3,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4219% | 961 |
| Cost of funding earning assets | 0.6792% | 7,938 |
| Net interest margin | 5.7428% | 132 |
| Noninterest income to average assets | 2.1853% | 325 |
| Noninterest expense to average assets | 5.5604% | 373 |
| Loan and lease loss provision to assets | 0.1060% | 6,099 |
| Net operating income to assets | 1.0509% | 1,941 |
| Return on assets (ROA) | 1.0687% | 1,952 |
| Pretax return on assets | 1.6024% | 1,196 |
| Return on Equity (ROE) | 10.3018% | 1,915 |
| Retained earnings to average equity (ytd only) | 7.8693% | 1,253 |
| Net charge-offs to loans | 0.1638% | 4,570 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 15.8690% | 1,570 |
| Efficiency ratio | 76.7770% | 3,543 |
| Assets per employee ($millions) | 1.5032% | 8,071 |
| Cash dividends to net income (ytd only)* | 23.6128% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,257 |
| Loan loss allowance to noncurrent loans | 206.0362% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 4,607 |
| Noncurrent loans to loans | 0.4849% | 6,314 |
| Net loans and leases to total assets | 63.6853% | 5,047 |
| Net loans and leases to deposits | 72.5693% | 5,660 |
| Net loans and leases to core deposits | 82.7790% | 6,176 |
| Total domestic deposits to total assets | 87.7579% | 1,900 |
| Equity capital to assets | 10.4297% | 3,488 |
| Core capital (leverage) ratio | 10.2185% | 3,073 |
| Tier 1 risk-based capital ratio | 14.2603% | 3,376 |
| Total risk-based capital ratio | 15.1611% | 3,506 |
| Memoranda: | ||
| Average total assets | $158,513,670 | 3,856 |
| Average earning assets | $139,584,330 | 3,956 |
| Average equity | $16,443,670 | 3,829 |
| Average total loans | $102,578,670 | 3,954 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5263% | 820 |
| Cost of funding earning assets | 0.6512% | 8,022 |
| Net interest margin | 5.8751% | 114 |
| Noninterest income to average assets | 2.2669% | 291 |
| Noninterest expense to average assets | 5.5004% | 363 |
| Loan and lease loss provision to assets | 0.1063% | 5,609 |
| Net operating income to assets | 1.2016% | 1,649 |
| Return on assets (ROA) | 1.2372% | 1,648 |
| Pretax return on assets | 1.8495% | 892 |
| Return on Equity (ROE) | 11.9589% | 1,674 |
| Retained earnings to average equity (ytd only) | 11.9589% | 792 |
| Net charge-offs to loans | 0.1988% | 3,444 |
| Credit loss provision to net charge-offs | 82.3529% | 4,156 |
| Earnings coverage of net charge-offs (x) | 14.7451% | 1,649 |
| Efficiency ratio | 74.2994% | 3,770 |
| Assets per employee ($millions) | 1.4745% | 8,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 6,358 |
| Loan loss allowance to noncurrent loans | 257.6142% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 4,516 |
| Noncurrent loans to loans | 0.3773% | 6,473 |
| Net loans and leases to total assets | 65.5422% | 4,690 |
| Net loans and leases to deposits | 74.8262% | 5,374 |
| Net loans and leases to core deposits | 83.6063% | 6,092 |
| Total domestic deposits to total assets | 87.5927% | 1,925 |
| Equity capital to assets | 10.5121% | 3,451 |
| Core capital (leverage) ratio | 10.2043% | 3,194 |
| Tier 1 risk-based capital ratio | 14.0158% | 3,577 |
| Total risk-based capital ratio | 14.9020% | 3,687 |
| Memoranda: | ||
| Average total assets | $158,099,000 | 3,863 |
| Average earning assets | $138,210,000 | 3,990 |
| Average equity | $16,356,000 | 3,873 |
| Average total loans | $102,617,000 | 3,963 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8982% | 1,403 |
| Cost of funding earning assets | 1.1576% | 7,973 |
| Net interest margin | 5.7405% | 144 |
| Noninterest income to average assets | 2.2663% | 289 |
| Noninterest expense to average assets | 5.5924% | 482 |
| Loan and lease loss provision to assets | 0.0862% | 6,304 |
| Net operating income to assets | 1.0943% | 2,168 |
| Return on assets (ROA) | 1.0943% | 2,082 |
| Pretax return on assets | 1.6418% | 1,285 |
| Return on Equity (ROE) | 11.2464% | 1,831 |
| Retained earnings to average equity (ytd only) | -0.0823% | 5,291 |
| Net charge-offs to loans | 0.1136% | 5,126 |
| Credit loss provision to net charge-offs | 122.8070% | 4,372 |
| Earnings coverage of net charge-offs (x) | 24.6140% | 1,370 |
| Efficiency ratio | 76.3944% | 3,169 |
| Assets per employee ($millions) | 1.5088% | 8,160 |
| Cash dividends to net income (ytd only)* | 100.7316% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 5,873 |
| Loan loss allowance to noncurrent loans | 93.2666% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 3,389 |
| Noncurrent loans to loans | 1.0901% | 4,380 |
| Net loans and leases to total assets | 62.9863% | 5,453 |
| Net loans and leases to deposits | 71.9151% | 6,069 |
| Net loans and leases to core deposits | 80.0623% | 6,613 |
| Total domestic deposits to total assets | 87.5843% | 1,673 |
| Equity capital to assets | 10.1794% | 3,831 |
| Core capital (leverage) ratio | 9.9192% | 3,523 |
| Tier 1 risk-based capital ratio | 13.8745% | 3,603 |
| Total risk-based capital ratio | 14.7883% | 3,695 |
| Memoranda: | ||
| Average total assets | $162,382,400 | 3,679 |
| Average earning assets | $142,965,400 | 3,785 |
| Average equity | $15,800,600 | 3,975 |
| Average total loans | $100,364,600 | 3,936 |