Home > Citizens National Bank > Performance and Condition Ratios
Citizens National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 3,513 |
| Cost of funding earning assets | 1.6227% | 1,629 |
| Net interest margin | 2.6320% | 3,927 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.6009% | 4,248 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8566% | 2,684 |
| Return on assets (ROA) | 0.8566% | 2,657 |
| Pretax return on assets | 1.0897% | 2,437 |
| Return on Equity (ROE) | 9.0900% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.9365% | 1,908 |
| Net charge-offs to loans | -0.0061% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.7916% | 3,317 |
| Assets per employee ($millions) | 7.8554% | 1,514 |
| Cash dividends to net income (ytd only)* | 23.7044% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 943 |
| Loan loss allowance to noncurrent loans | 2,765.0206% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,354 |
| Noncurrent loans to loans | 0.0560% | 3,319 |
| Net loans and leases to total assets | 69.7100% | 1,840 |
| Net loans and leases to deposits | 77.7716% | 2,287 |
| Net loans and leases to core deposits | 85.2942% | 2,353 |
| Total domestic deposits to total assets | 89.6400% | 864 |
| Equity capital to assets | 9.9857% | 2,020 |
| Core capital (leverage) ratio | 10.6825% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5835% | 1,375 |
| Memoranda: | ||
| Average total assets | $608,225,800 | 1,459 |
| Average earning assets | $579,528,600 | 1,419 |
| Average equity | $57,305,600 | 1,438 |
| Average total loans | $426,954,400 | 1,406 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,595 |
| Cost of funding earning assets | 1.5455% | 1,493 |
| Net interest margin | 2.5885% | 4,046 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.5946% | 4,245 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8218% | 2,957 |
| Return on assets (ROA) | 0.8218% | 2,946 |
| Pretax return on assets | 1.0423% | 2,737 |
| Return on Equity (ROE) | 8.8600% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.0220% | 2,277 |
| Net charge-offs to loans | -0.0003% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.6965% | 3,120 |
| Assets per employee ($millions) | 8.1906% | 1,261 |
| Cash dividends to net income (ytd only)* | 20.7108% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 995 |
| Loan loss allowance to noncurrent loans | 2,693.9024% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 2,478 |
| Noncurrent loans to loans | 0.0574% | 3,343 |
| Net loans and leases to total assets | 69.5600% | 1,881 |
| Net loans and leases to deposits | 77.3086% | 2,304 |
| Net loans and leases to core deposits | 85.1515% | 2,247 |
| Total domestic deposits to total assets | 89.9800% | 944 |
| Equity capital to assets | 9.6336% | 2,024 |
| Core capital (leverage) ratio | 10.6273% | 2,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4976% | 1,425 |
| Memoranda: | ||
| Average total assets | $607,102,500 | 1,466 |
| Average earning assets | $578,340,000 | 1,421 |
| Average equity | $56,336,000 | 1,445 |
| Average total loans | $425,227,250 | 1,403 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,625 |
| Cost of funding earning assets | 1.4624% | 1,312 |
| Net interest margin | 2.5670% | 4,144 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.6288% | 4,232 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.7757% | 3,153 |
| Return on assets (ROA) | 0.7757% | 3,167 |
| Pretax return on assets | 0.9832% | 2,961 |
| Return on Equity (ROE) | 8.4700% | 3,120 |
| Retained earnings to average equity (ytd only) | 6.4006% | 2,475 |
| Net charge-offs to loans | -0.0005% | 3,393 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.5041% | 2,891 |
| Assets per employee ($millions) | 7.7754% | 1,430 |
| Cash dividends to net income (ytd only)* | 24.4058% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,091 |
| 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 | 69.0600% | 1,845 |
| Net loans and leases to deposits | 76.4208% | 2,267 |
| Net loans and leases to core deposits | 83.6515% | 2,227 |
| Total domestic deposits to total assets | 90.3700% | 819 |
| Equity capital to assets | 9.3275% | 2,290 |
| Core capital (leverage) ratio | 10.2851% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1562% | 1,523 |
| Memoranda: | ||
| Average total assets | $607,434,000 | 1,460 |
| Average earning assets | $578,493,667 | 1,423 |
| Average equity | $55,651,333 | 1,465 |
| Average total loans | $424,217,000 | 1,393 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 3,649 |
| Cost of funding earning assets | 1.3053% | 1,220 |
| Net interest margin | 2.6057% | 4,198 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.6641% | 4,235 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.7797% | 3,255 |
| Return on assets (ROA) | 0.7797% | 3,213 |
| Pretax return on assets | 0.9863% | 3,033 |
| Return on Equity (ROE) | 8.5900% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.7763% | 2,559 |
| Net charge-offs to loans | -0.0009% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.9209% | 2,836 |
| Assets per employee ($millions) | 8.0655% | 1,304 |
| Cash dividends to net income (ytd only)* | 21.0970% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,250 |
| 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 | 68.3800% | 1,794 |
| Net loans and leases to deposits | 75.5270% | 2,160 |
| Net loans and leases to core deposits | 81.8347% | 2,131 |
| Total domestic deposits to total assets | 90.5400% | 966 |
| Equity capital to assets | 9.1731% | 2,390 |
| Core capital (leverage) ratio | 10.1006% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7635% | 1,700 |
| Memoranda: | ||
| Average total assets | $607,908,500 | 1,480 |
| Average earning assets | $579,497,000 | 1,443 |
| Average equity | $55,192,000 | 1,488 |
| Average total loans | $423,643,000 | 1,407 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 3,084 |
| Cost of funding earning assets | 0.5015% | 1,380 |
| Net interest margin | 2.9946% | 3,467 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.6211% | 4,279 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.0400% | 2,416 |
| Return on assets (ROA) | 1.0400% | 2,356 |
| Pretax return on assets | 1.3373% | 1,969 |
| Return on Equity (ROE) | 11.5800% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.6809% | 1,246 |
| Net charge-offs to loans | -0.0005% | 3,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.1935% | 3,964 |
| Assets per employee ($millions) | 7.7287% | 1,469 |
| Cash dividends to net income (ytd only)* | 16.4052% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,242 |
| Loan loss allowance to noncurrent loans | 7,202.2989% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 3,723 |
| Noncurrent loans to loans | 0.0206% | 3,663 |
| Net loans and leases to total assets | 68.9200% | 1,741 |
| Net loans and leases to deposits | 75.9405% | 2,105 |
| Net loans and leases to core deposits | 81.1498% | 2,060 |
| Total domestic deposits to total assets | 90.7500% | 1,038 |
| Equity capital to assets | 8.9833% | 2,369 |
| Core capital (leverage) ratio | 10.3138% | 2,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3601% | 1,829 |
| Memoranda: | ||
| Average total assets | $600,776,400 | 1,478 |
| Average earning assets | $573,823,600 | 1,442 |
| Average equity | $53,951,800 | 1,524 |
| Average total loans | $388,393,000 | 1,432 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4023% | 2,915 |
| Cost of funding earning assets | 0.3629% | 1,586 |
| Net interest margin | 3.0394% | 3,117 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.5793% | 4,324 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1492% | 1,894 |
| Return on assets (ROA) | 1.1492% | 1,866 |
| Pretax return on assets | 1.4664% | 1,509 |
| Return on Equity (ROE) | 12.8000% | 1,775 |
| Retained earnings to average equity (ytd only) | 11.0051% | 1,054 |
| Net charge-offs to loans | -0.0004% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.1059% | 4,153 |
| Assets per employee ($millions) | 7.5773% | 1,567 |
| Cash dividends to net income (ytd only)* | 14.0124% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4588% | 1,428 |
| Loan loss allowance to noncurrent loans | 6,741.3793% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 3,824 |
| Noncurrent loans to loans | 0.0216% | 3,750 |
| Net loans and leases to total assets | 66.1900% | 1,867 |
| Net loans and leases to deposits | 72.8355% | 2,141 |
| Net loans and leases to core deposits | 77.0033% | 2,110 |
| Total domestic deposits to total assets | 90.8700% | 1,292 |
| Equity capital to assets | 8.8873% | 2,295 |
| Core capital (leverage) ratio | 10.1742% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3858% | 1,908 |
| Memoranda: | ||
| Average total assets | $600,260,750 | 1,491 |
| Average earning assets | $573,558,500 | 1,446 |
| Average equity | $53,901,000 | 1,538 |
| Average total loans | $380,056,000 | 1,452 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2909% | 2,772 |
| Cost of funding earning assets | 0.2842% | 1,861 |
| Net interest margin | 3.0067% | 2,854 |
| Noninterest income to average assets | 0.2367% | 3,758 |
| Noninterest expense to average assets | 1.5629% | 4,340 |
| Loan and lease loss provision to assets | 0.0999% | 1,003 |
| Net operating income to assets | 1.1325% | 1,657 |
| Return on assets (ROA) | 1.1325% | 1,634 |
| Pretax return on assets | 1.4477% | 1,315 |
| Return on Equity (ROE) | 12.5687% | 1,503 |
| Retained earnings to average equity (ytd only) | 10.9985% | 784 |
| Net charge-offs to loans | -0.0005% | 2,988 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1498% | 4,236 |
| Assets per employee ($millions) | 7.3263% | 1,718 |
| Cash dividends to net income (ytd only)* | 12.4927% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,493 |
| 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 | 64.6384% | 1,839 |
| Net loans and leases to deposits | 72.1494% | 2,013 |
| Net loans and leases to core deposits | 75.0307% | 2,089 |
| Total domestic deposits to total assets | 89.5896% | 1,901 |
| Equity capital to assets | 8.8984% | 2,450 |
| Core capital (leverage) ratio | 9.9682% | 2,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2656% | 1,951 |
| Memoranda: | ||
| Average total assets | $600,811,667 | 1,490 |
| Average earning assets | $574,252,000 | 1,457 |
| Average equity | $54,134,667 | 1,576 |
| Average total loans | $372,722,667 | 1,467 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 2,843 |
| Cost of funding earning assets | 0.2507% | 2,149 |
| Net interest margin | 2.8950% | 2,858 |
| Noninterest income to average assets | 0.2296% | 3,776 |
| Noninterest expense to average assets | 1.5477% | 4,366 |
| Loan and lease loss provision to assets | 0.0993% | 844 |
| Net operating income to assets | 1.0667% | 1,631 |
| Return on assets (ROA) | 1.0667% | 1,623 |
| Pretax return on assets | 1.3486% | 1,380 |
| Return on Equity (ROE) | 11.7666% | 1,387 |
| Retained earnings to average equity (ytd only) | 10.8542% | 811 |
| Net charge-offs to loans | -0.0011% | 3,022 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5794% | 4,222 |
| Assets per employee ($millions) | 7.5790% | 1,640 |
| Cash dividends to net income (ytd only)* | 7.7543% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,537 |
| 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 | 60.8687% | 1,974 |
| Net loans and leases to deposits | 67.1440% | 2,230 |
| Net loans and leases to core deposits | 69.9447% | 2,295 |
| Total domestic deposits to total assets | 90.6539% | 1,213 |
| Equity capital to assets | 8.9910% | 2,719 |
| Core capital (leverage) ratio | 9.6139% | 2,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3329% | 2,063 |
| Memoranda: | ||
| Average total assets | $604,500,500 | 1,492 |
| Average earning assets | $577,550,500 | 1,452 |
| Average equity | $54,799,000 | 1,604 |
| Average total loans | $364,433,500 | 1,480 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 2,943 |
| Cost of funding earning assets | 0.3076% | 2,328 |
| Net interest margin | 3.0851% | 2,956 |
| Noninterest income to average assets | 0.2548% | 3,852 |
| Noninterest expense to average assets | 1.6972% | 4,299 |
| Loan and lease loss provision to assets | 0.0976% | 1,272 |
| Net operating income to assets | 1.1250% | 2,190 |
| Return on assets (ROA) | 1.1287% | 2,230 |
| Pretax return on assets | 1.4175% | 1,992 |
| Return on Equity (ROE) | 11.5653% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.0831% | 898 |
| Net charge-offs to loans | 0.0022% | 2,552 |
| Credit loss provision to net charge-offs | 7,714.2857% | 93 |
| Earnings coverage of net charge-offs (x) | 1,193.2857% | 123 |
| Efficiency ratio | 52.8046% | 4,054 |
| Assets per employee ($millions) | 7.9255% | 1,368 |
| Cash dividends to net income (ytd only)* | 12.8164% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,514 |
| 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 | 57.9165% | 2,385 |
| Net loans and leases to deposits | 63.8839% | 2,698 |
| Net loans and leases to core deposits | 66.3746% | 2,786 |
| Total domestic deposits to total assets | 90.6591% | 638 |
| Equity capital to assets | 9.1379% | 3,473 |
| Core capital (leverage) ratio | 9.7427% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5049% | 2,047 |
| Memoranda: | ||
| Average total assets | $553,018,800 | 1,567 |
| Average earning assets | $529,317,000 | 1,519 |
| Average equity | $53,971,600 | 1,655 |
| Average total loans | $320,831,600 | 1,619 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4444% | 2,975 |
| Cost of funding earning assets | 0.3313% | 2,286 |
| Net interest margin | 3.1132% | 3,021 |
| Noninterest income to average assets | 0.2628% | 3,829 |
| Noninterest expense to average assets | 1.6961% | 4,334 |
| Loan and lease loss provision to assets | 0.1002% | 1,201 |
| Net operating income to assets | 1.1557% | 2,341 |
| Return on assets (ROA) | 1.1590% | 2,388 |
| Pretax return on assets | 1.4550% | 2,135 |
| Return on Equity (ROE) | 11.6657% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.6728% | 1,419 |
| Net charge-offs to loans | 0.0021% | 2,307 |
| Credit loss provision to net charge-offs | 8,100.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,253.4000% | 130 |
| Efficiency ratio | 52.1265% | 4,019 |
| Assets per employee ($millions) | 7.0847% | 1,810 |
| Cash dividends to net income (ytd only)* | 17.0831% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,402 |
| Loan loss allowance to noncurrent loans | 868.5855% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,392 |
| Noncurrent loans to loans | 0.1816% | 3,222 |
| Net loans and leases to total assets | 58.1482% | 2,471 |
| Net loans and leases to deposits | 64.6477% | 2,771 |
| Net loans and leases to core deposits | 67.3474% | 2,830 |
| Total domestic deposits to total assets | 89.9463% | 795 |
| Equity capital to assets | 9.7615% | 3,138 |
| Core capital (leverage) ratio | 9.8351% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1981% | 1,902 |
| Memoranda: | ||
| Average total assets | $538,708,250 | 1,612 |
| Average earning assets | $516,414,250 | 1,565 |
| Average equity | $53,523,250 | 1,686 |
| Average total loans | $311,325,250 | 1,685 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5126% | 2,860 |
| Cost of funding earning assets | 0.3598% | 2,234 |
| Net interest margin | 3.1528% | 2,889 |
| Noninterest income to average assets | 0.2588% | 3,842 |
| Noninterest expense to average assets | 1.7365% | 4,308 |
| Loan and lease loss provision to assets | 0.1020% | 1,243 |
| Net operating income to assets | 1.1516% | 2,359 |
| Return on assets (ROA) | 1.1516% | 2,419 |
| Pretax return on assets | 1.4429% | 2,207 |
| Return on Equity (ROE) | 11.5188% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.6292% | 1,517 |
| Net charge-offs to loans | 0.0033% | 2,056 |
| Credit loss provision to net charge-offs | 5,400.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 817.8000% | 169 |
| Efficiency ratio | 52.8152% | 3,947 |
| Assets per employee ($millions) | 6.9668% | 1,833 |
| Cash dividends to net income (ytd only)* | 16.4042% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 1,197 |
| Loan loss allowance to noncurrent loans | 849.1749% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 3,494 |
| Noncurrent loans to loans | 0.1928% | 3,266 |
| Net loans and leases to total assets | 56.1733% | 2,878 |
| Net loans and leases to deposits | 62.4613% | 3,157 |
| Net loans and leases to core deposits | 65.2269% | 3,180 |
| Total domestic deposits to total assets | 89.9330% | 815 |
| Equity capital to assets | 9.7984% | 3,060 |
| Core capital (leverage) ratio | 9.8705% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5915% | 1,769 |
| Memoranda: | ||
| Average total assets | $529,351,333 | 1,626 |
| Average earning assets | $507,483,667 | 1,586 |
| Average equity | $52,922,333 | 1,696 |
| Average total loans | $303,482,667 | 1,726 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 3,178 |
| Cost of funding earning assets | 0.3890% | 2,185 |
| Net interest margin | 3.0162% | 3,216 |
| Noninterest income to average assets | 0.2498% | 3,903 |
| Noninterest expense to average assets | 1.7562% | 4,280 |
| Loan and lease loss provision to assets | 0.1041% | 1,308 |
| Net operating income to assets | 1.0261% | 2,724 |
| Return on assets (ROA) | 1.0261% | 2,802 |
| Pretax return on assets | 1.2829% | 2,613 |
| Return on Equity (ROE) | 10.1565% | 2,644 |
| Retained earnings to average equity (ytd only) | 7.8673% | 2,290 |
| Net charge-offs to loans | 0.0081% | 1,618 |
| Credit loss provision to net charge-offs | 2,250.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 299.8333% | 293 |
| Efficiency ratio | 55.7518% | 3,575 |
| Assets per employee ($millions) | 6.8623% | 1,884 |
| Cash dividends to net income (ytd only)* | 22.5394% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6726% | 1,112 |
| Loan loss allowance to noncurrent loans | 821.3115% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 3,589 |
| Noncurrent loans to loans | 0.2036% | 3,379 |
| Net loans and leases to total assets | 55.7402% | 3,072 |
| Net loans and leases to deposits | 62.0629% | 3,313 |
| Net loans and leases to core deposits | 64.9569% | 3,323 |
| Total domestic deposits to total assets | 89.8125% | 907 |
| Equity capital to assets | 9.9449% | 2,751 |
| Core capital (leverage) ratio | 10.0201% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0999% | 1,539 |
| Memoranda: | ||
| Average total assets | $518,839,500 | 1,645 |
| Average earning assets | $497,707,000 | 1,595 |
| Average equity | $52,419,500 | 1,699 |
| Average total loans | $298,069,000 | 1,759 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 3,119 |
| Cost of funding earning assets | 0.5437% | 2,648 |
| Net interest margin | 3.3243% | 3,005 |
| Noninterest income to average assets | 0.2881% | 3,761 |
| Noninterest expense to average assets | 2.0170% | 4,106 |
| Loan and lease loss provision to assets | 0.0910% | 3,224 |
| Net operating income to assets | 1.0821% | 1,982 |
| Return on assets (ROA) | 1.0904% | 2,078 |
| Pretax return on assets | 1.3560% | 1,795 |
| Return on Equity (ROE) | 10.0021% | 2,005 |
| Retained earnings to average equity (ytd only) | 6.9001% | 1,427 |
| Net charge-offs to loans | -0.0345% | 4,577 |
| Credit loss provision to net charge-offs | -446.8085% | 3,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2826% | 3,687 |
| Assets per employee ($millions) | 6.5293% | 1,899 |
| Cash dividends to net income (ytd only)* | 31.0139% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 1,177 |
| Loan loss allowance to noncurrent loans | 791.0859% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 3,678 |
| Noncurrent loans to loans | 0.2080% | 3,455 |
| Net loans and leases to total assets | 57.2801% | 3,167 |
| Net loans and leases to deposits | 64.0572% | 3,434 |
| Net loans and leases to core deposits | 67.1661% | 3,469 |
| Total domestic deposits to total assets | 89.4203% | 801 |
| Equity capital to assets | 10.2675% | 2,866 |
| Core capital (leverage) ratio | 10.2760% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8833% | 1,572 |
| Memoranda: | ||
| Average total assets | $461,286,000 | 1,666 |
| Average earning assets | $439,250,200 | 1,629 |
| Average equity | $50,289,200 | 1,685 |
| Average total loans | $272,842,800 | 1,814 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 2,837 |
| Cost of funding earning assets | 0.5809% | 2,733 |
| Net interest margin | 3.4662% | 2,703 |
| Noninterest income to average assets | 0.2956% | 3,714 |
| Noninterest expense to average assets | 2.0503% | 4,046 |
| Loan and lease loss provision to assets | 0.0935% | 3,145 |
| Net operating income to assets | 1.1622% | 1,773 |
| Return on assets (ROA) | 1.1710% | 1,863 |
| Pretax return on assets | 1.4580% | 1,548 |
| Return on Equity (ROE) | 10.5670% | 1,826 |
| Retained earnings to average equity (ytd only) | 7.7552% | 1,388 |
| Net charge-offs to loans | 0.0030% | 3,066 |
| Credit loss provision to net charge-offs | 5,250.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 865.1667% | 142 |
| Efficiency ratio | 56.9835% | 3,793 |
| Assets per employee ($millions) | 5.9560% | 2,304 |
| Cash dividends to net income (ytd only)* | 26.6092% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 997 |
| 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 | 58.0498% | 3,411 |
| Net loans and leases to deposits | 65.2902% | 3,675 |
| Net loans and leases to core deposits | 68.5359% | 3,731 |
| Total domestic deposits to total assets | 88.9105% | 810 |
| Equity capital to assets | 10.7168% | 2,607 |
| Core capital (leverage) ratio | 10.7074% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0265% | 1,243 |
| Memoranda: | ||
| Average total assets | $449,286,250 | 1,682 |
| Average earning assets | $427,127,250 | 1,643 |
| Average equity | $49,788,750 | 1,692 |
| Average total loans | $266,903,500 | 1,830 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,432 |
| Cost of funding earning assets | 0.6259% | 2,833 |
| Net interest margin | 3.6904% | 2,198 |
| Noninterest income to average assets | 0.2994% | 3,677 |
| Noninterest expense to average assets | 2.0852% | 4,065 |
| Loan and lease loss provision to assets | 0.0958% | 3,073 |
| Net operating income to assets | 1.3020% | 1,352 |
| Return on assets (ROA) | 1.3020% | 1,460 |
| Pretax return on assets | 1.6192% | 1,184 |
| Return on Equity (ROE) | 11.6091% | 1,451 |
| Retained earnings to average equity (ytd only) | 8.9642% | 1,021 |
| Net charge-offs to loans | 0.0046% | 2,815 |
| Credit loss provision to net charge-offs | 3,500.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 626.3333% | 163 |
| Efficiency ratio | 54.7616% | 4,087 |
| Assets per employee ($millions) | 5.4700% | 2,671 |
| Cash dividends to net income (ytd only)* | 22.7830% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 904 |
| 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 | 59.9111% | 3,338 |
| Net loans and leases to deposits | 67.8909% | 3,579 |
| Net loans and leases to core deposits | 71.6523% | 3,611 |
| Total domestic deposits to total assets | 88.2462% | 1,065 |
| Equity capital to assets | 11.2587% | 2,146 |
| Core capital (leverage) ratio | 11.1646% | 1,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0963% | 1,231 |
| Memoranda: | ||
| Average total assets | $438,235,333 | 1,693 |
| Average earning assets | $415,725,667 | 1,662 |
| Average equity | $49,151,000 | 1,697 |
| Average total loans | $260,961,000 | 1,839 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,869 |
| Cost of funding earning assets | 0.7085% | 2,899 |
| Net interest margin | 3.2633% | 3,681 |
| Noninterest income to average assets | 0.3225% | 3,590 |
| Noninterest expense to average assets | 2.1601% | 4,101 |
| Loan and lease loss provision to assets | 0.0976% | 2,461 |
| Net operating income to assets | 0.9425% | 2,367 |
| Return on assets (ROA) | 0.9425% | 2,475 |
| Pretax return on assets | 1.1600% | 2,335 |
| Return on Equity (ROE) | 8.4204% | 2,340 |
| Retained earnings to average equity (ytd only) | 5.9291% | 1,901 |
| Net charge-offs to loans | 0.0095% | 2,229 |
| Credit loss provision to net charge-offs | 1,750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 225.5000% | 307 |
| Efficiency ratio | 63.0677% | 3,361 |
| Assets per employee ($millions) | 4.8344% | 2,832 |
| Cash dividends to net income (ytd only)* | 29.5858% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7745% | 749 |
| 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 | 59.4473% | 3,550 |
| Net loans and leases to deposits | 67.5245% | 3,761 |
| Net loans and leases to core deposits | 71.3288% | 3,795 |
| Total domestic deposits to total assets | 88.0381% | 1,092 |
| Equity capital to assets | 11.6882% | 2,296 |
| Core capital (leverage) ratio | 11.4057% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5861% | 1,446 |
| Memoranda: | ||
| Average total assets | $430,350,000 | 1,675 |
| Average earning assets | $408,179,000 | 1,640 |
| Average equity | $48,169,000 | 1,718 |
| Average total loans | $253,156,500 | 1,842 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 4,016 |
| Cost of funding earning assets | 0.7793% | 2,775 |
| Net interest margin | 3.3314% | 3,912 |
| Noninterest income to average assets | 0.3383% | 3,685 |
| Noninterest expense to average assets | 2.1872% | 4,186 |
| Loan and lease loss provision to assets | 0.0934% | 2,166 |
| Net operating income to assets | 0.9938% | 2,872 |
| Return on assets (ROA) | 0.9971% | 2,943 |
| Pretax return on assets | 1.2109% | 2,801 |
| Return on Equity (ROE) | 8.9043% | 2,795 |
| Retained earnings to average equity (ytd only) | -6.3517% | 5,011 |
| Net charge-offs to loans | 0.0134% | 3,215 |
| Credit loss provision to net charge-offs | 1,218.7500% | 282 |
| Earnings coverage of net charge-offs (x) | 169.7188% | 450 |
| Efficiency ratio | 62.3121% | 3,325 |
| Assets per employee ($millions) | 5.2346% | 2,306 |
| Cash dividends to net income (ytd only)* | 171.3325% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 769 |
| 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 | 56.2602% | 3,908 |
| Net loans and leases to deposits | 63.2174% | 4,124 |
| Net loans and leases to core deposits | 66.5009% | 4,164 |
| Total domestic deposits to total assets | 88.9947% | 672 |
| Equity capital to assets | 10.7302% | 3,232 |
| Core capital (leverage) ratio | 11.2698% | 2,275 |
| Tier 1 risk-based capital ratio | 15.1095% | 2,735 |
| Total risk-based capital ratio | 16.3613% | 2,663 |
| Memoranda: | ||
| Average total assets | $417,704,800 | 1,678 |
| Average earning assets | $394,854,200 | 1,649 |
| Average equity | $46,775,000 | 1,697 |
| Average total loans | $239,158,800 | 1,894 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 4,079 |
| Cost of funding earning assets | 0.7965% | 2,738 |
| Net interest margin | 3.3363% | 4,024 |
| Noninterest income to average assets | 0.3453% | 3,662 |
| Noninterest expense to average assets | 2.1621% | 4,253 |
| Loan and lease loss provision to assets | 0.0610% | 2,676 |
| Net operating income to assets | 1.0492% | 2,788 |
| Return on assets (ROA) | 1.0500% | 2,875 |
| Pretax return on assets | 1.2723% | 2,746 |
| Return on Equity (ROE) | 9.2720% | 2,772 |
| Retained earnings to average equity (ytd only) | -10.1717% | 5,147 |
| Net charge-offs to loans | 0.0119% | 2,935 |
| Credit loss provision to net charge-offs | 895.2381% | 396 |
| Earnings coverage of net charge-offs (x) | 195.5189% | 445 |
| Efficiency ratio | 61.3613% | 3,428 |
| Assets per employee ($millions) | 4.8740% | 2,703 |
| Cash dividends to net income (ytd only)* | 209.7032% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 947 |
| 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 | 61.0367% | 3,589 |
| Net loans and leases to deposits | 69.0890% | 3,835 |
| Net loans and leases to core deposits | 73.2948% | 3,873 |
| Total domestic deposits to total assets | 88.3450% | 898 |
| Equity capital to assets | 11.3646% | 2,782 |
| Core capital (leverage) ratio | 11.4999% | 2,218 |
| Tier 1 risk-based capital ratio | 15.2412% | 2,744 |
| Total risk-based capital ratio | 16.4925% | 2,675 |
| Memoranda: | ||
| Average total assets | $410,896,000 | 1,717 |
| Average earning assets | $387,849,500 | 1,683 |
| Average equity | $46,533,000 | 1,702 |
| Average total loans | $235,276,000 | 1,936 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0779% | 4,216 |
| Cost of funding earning assets | 0.7978% | 2,652 |
| Net interest margin | 3.2801% | 4,179 |
| Noninterest income to average assets | 0.3382% | 3,670 |
| Noninterest expense to average assets | 2.1485% | 4,333 |
| Loan and lease loss provision to assets | 0.0439% | 2,945 |
| Net operating income to assets | 1.0356% | 2,782 |
| Return on assets (ROA) | 1.0352% | 2,859 |
| Pretax return on assets | 1.2417% | 2,781 |
| Return on Equity (ROE) | 9.1521% | 2,795 |
| Retained earnings to average equity (ytd only) | -17.5405% | 5,241 |
| Net charge-offs to loans | 0.0211% | 2,433 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 109.7917% | 650 |
| Efficiency ratio | 61.9866% | 3,434 |
| Assets per employee ($millions) | 4.8853% | 2,620 |
| Cash dividends to net income (ytd only)* | 291.6549% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 791 |
| 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 | 57.5196% | 3,957 |
| Net loans and leases to deposits | 65.1437% | 4,150 |
| Net loans and leases to core deposits | 69.3734% | 4,135 |
| Total domestic deposits to total assets | 88.2964% | 968 |
| Equity capital to assets | 11.4673% | 2,626 |
| Core capital (leverage) ratio | 11.3798% | 2,264 |
| Tier 1 risk-based capital ratio | 15.9262% | 2,443 |
| Total risk-based capital ratio | 17.1781% | 2,388 |
| Memoranda: | ||
| Average total assets | $409,765,670 | 1,724 |
| Average earning assets | $386,813,670 | 1,693 |
| Average equity | $46,350,000 | 1,703 |
| Average total loans | $228,020,670 | 1,993 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9621% | 4,453 |
| Cost of funding earning assets | 0.7992% | 2,546 |
| Net interest margin | 3.1629% | 4,474 |
| Noninterest income to average assets | 0.3253% | 3,683 |
| Noninterest expense to average assets | 2.1830% | 4,305 |
| Loan and lease loss provision to assets | 0.0437% | 2,763 |
| Net operating income to assets | 0.9114% | 3,194 |
| Return on assets (ROA) | 0.9089% | 3,247 |
| Pretax return on assets | 1.0818% | 3,199 |
| Return on Equity (ROE) | 8.0906% | 3,224 |
| Retained earnings to average equity (ytd only) | -43.6511% | 5,326 |
| Net charge-offs to loans | 0.0448% | 1,630 |
| Credit loss provision to net charge-offs | 180.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | 46.4800% | 1,071 |
| Efficiency ratio | 65.3959% | 3,026 |
| Assets per employee ($millions) | 4.8510% | 2,704 |
| Cash dividends to net income (ytd only)* | 639.5299% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7868% | 722 |
| 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 | 54.3336% | 4,190 |
| Net loans and leases to deposits | 61.0690% | 4,355 |
| Net loans and leases to core deposits | 64.7117% | 4,346 |
| Total domestic deposits to total assets | 88.9708% | 869 |
| Equity capital to assets | 10.8378% | 3,010 |
| Core capital (leverage) ratio | 11.0877% | 2,492 |
| Tier 1 risk-based capital ratio | 16.0483% | 2,419 |
| Total risk-based capital ratio | 17.3011% | 2,361 |
| Memoranda: | ||
| Average total assets | $411,907,000 | 1,730 |
| Average earning assets | $388,888,000 | 1,691 |
| Average equity | $46,276,000 | 1,692 |
| Average total loans | $223,378,000 | 2,039 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 4,456 |
| Cost of funding earning assets | 0.6093% | 2,653 |
| Net interest margin | 3.2038% | 4,476 |
| Noninterest income to average assets | 0.4470% | 3,122 |
| Noninterest expense to average assets | 2.1962% | 4,348 |
| Loan and lease loss provision to assets | 0.0883% | 2,380 |
| Net operating income to assets | 1.1836% | 2,249 |
| Return on assets (ROA) | 1.1836% | 2,244 |
| Pretax return on assets | 1.1836% | 2,946 |
| Return on Equity (ROE) | 10.3689% | 2,362 |
| Retained earnings to average equity (ytd only) | 7.5227% | 1,450 |
| Net charge-offs to loans | 0.1066% | 1,686 |
| Credit loss provision to net charge-offs | 153.1915% | 1,796 |
| Earnings coverage of net charge-offs (x) | 22.0723% | 1,917 |
| Efficiency ratio | 62.7616% | 3,394 |
| Assets per employee ($millions) | 5.1399% | 2,337 |
| Cash dividends to net income (ytd only)* | 27.4498% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 671 |
| Loan loss allowance to noncurrent loans | 16,032.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 4,890 |
| Noncurrent loans to loans | 0.0113% | 4,756 |
| Net loans and leases to total assets | 52.1989% | 4,396 |
| Net loans and leases to deposits | 59.1571% | 4,521 |
| Net loans and leases to core deposits | 62.7400% | 4,503 |
| Total domestic deposits to total assets | 88.2377% | 1,187 |
| Equity capital to assets | 11.6230% | 2,160 |
| Core capital (leverage) ratio | 12.2877% | 1,566 |
| Tier 1 risk-based capital ratio | 17.9668% | 1,760 |
| Total risk-based capital ratio | 19.2190% | 1,722 |
| Memoranda: | ||
| Average total assets | $407,832,600 | 1,683 |
| Average earning assets | $384,568,600 | 1,652 |
| Average equity | $46,552,600 | 1,612 |
| Average total loans | $220,401,200 | 2,022 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,500 |
| Cost of funding earning assets | 0.5720% | 2,689 |
| Net interest margin | 3.2011% | 4,509 |
| Noninterest income to average assets | 0.4778% | 3,000 |
| Noninterest expense to average assets | 2.1575% | 4,412 |
| Loan and lease loss provision to assets | 0.0887% | 2,199 |
| Net operating income to assets | 1.2495% | 2,049 |
| Return on assets (ROA) | 1.2495% | 2,059 |
| Pretax return on assets | 1.2495% | 2,814 |
| Return on Equity (ROE) | 10.9977% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.2497% | 1,536 |
| Net charge-offs to loans | 0.1484% | 1,113 |
| Credit loss provision to net charge-offs | 110.2041% | 2,107 |
| Earnings coverage of net charge-offs (x) | 16.6203% | 2,157 |
| Efficiency ratio | 61.1545% | 3,639 |
| Assets per employee ($millions) | 4.9009% | 2,599 |
| Cash dividends to net income (ytd only)* | 24.9869% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.9375% | 4,428 |
| Net loans and leases to deposits | 59.9446% | 4,553 |
| Net loans and leases to core deposits | 62.8137% | 4,581 |
| Total domestic deposits to total assets | 88.3107% | 1,115 |
| Equity capital to assets | 11.4704% | 2,283 |
| Core capital (leverage) ratio | 12.3240% | 1,593 |
| Tier 1 risk-based capital ratio | 17.9979% | 1,796 |
| Total risk-based capital ratio | 19.2474% | 1,752 |
| Memoranda: | ||
| Average total assets | $405,708,000 | 1,698 |
| Average earning assets | $382,482,500 | 1,669 |
| Average equity | $46,093,250 | 1,628 |
| Average total loans | $220,169,500 | 2,031 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,542 |
| Cost of funding earning assets | 0.5418% | 2,676 |
| Net interest margin | 3.1764% | 4,559 |
| Noninterest income to average assets | 0.4077% | 3,431 |
| Noninterest expense to average assets | 2.1391% | 4,511 |
| Loan and lease loss provision to assets | 0.0892% | 2,137 |
| Net operating income to assets | 1.1711% | 2,308 |
| Return on assets (ROA) | 1.1711% | 2,309 |
| Pretax return on assets | 1.1711% | 3,046 |
| Return on Equity (ROE) | 10.3418% | 2,405 |
| Retained earnings to average equity (ytd only) | 7.4983% | 1,844 |
| Net charge-offs to loans | -0.0009% | 3,885 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3433% | 3,582 |
| Assets per employee ($millions) | 4.7412% | 2,764 |
| Cash dividends to net income (ytd only)* | 27.4958% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 52.3085% | 4,458 |
| Net loans and leases to deposits | 59.1190% | 4,584 |
| Net loans and leases to core deposits | 61.4915% | 4,629 |
| Total domestic deposits to total assets | 88.4799% | 1,151 |
| Equity capital to assets | 11.3597% | 2,301 |
| Core capital (leverage) ratio | 12.1177% | 1,638 |
| Tier 1 risk-based capital ratio | 18.0470% | 1,784 |
| Total risk-based capital ratio | 19.3007% | 1,749 |
| Memoranda: | ||
| Average total assets | $403,718,670 | 1,710 |
| Average earning assets | $380,242,330 | 1,688 |
| Average equity | $45,717,330 | 1,647 |
| Average total loans | $219,613,000 | 2,037 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7014% | 4,462 |
| Cost of funding earning assets | 0.5187% | 2,649 |
| Net interest margin | 3.1828% | 4,523 |
| Noninterest income to average assets | 0.4132% | 3,370 |
| Noninterest expense to average assets | 2.1887% | 4,446 |
| Loan and lease loss provision to assets | 0.0896% | 2,016 |
| Net operating income to assets | 1.1352% | 2,267 |
| Return on assets (ROA) | 1.1352% | 2,283 |
| Pretax return on assets | 1.1352% | 3,027 |
| Return on Equity (ROE) | 10.0403% | 2,403 |
| Retained earnings to average equity (ytd only) | 10.0403% | 1,141 |
| Net charge-offs to loans | -0.0018% | 3,801 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5064% | 3,559 |
| Assets per employee ($millions) | 4.8305% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8314% | 732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 53.1313% | 4,357 |
| Net loans and leases to deposits | 60.0715% | 4,469 |
| Net loans and leases to core deposits | 62.1771% | 4,541 |
| Total domestic deposits to total assets | 88.4469% | 1,383 |
| Equity capital to assets | 11.4306% | 2,192 |
| Core capital (leverage) ratio | 11.9154% | 1,703 |
| Tier 1 risk-based capital ratio | 18.8358% | 1,593 |
| Total risk-based capital ratio | 20.0892% | 1,551 |
| Memoranda: | ||
| Average total assets | $401,708,500 | 1,727 |
| Average earning assets | $378,662,500 | 1,705 |
| Average equity | $45,417,000 | 1,662 |
| Average total loans | $220,746,500 | 2,033 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 4,816 |
| Cost of funding earning assets | 0.3985% | 3,270 |
| Net interest margin | 3.0793% | 4,731 |
| Noninterest income to average assets | 0.4028% | 3,624 |
| Noninterest expense to average assets | 2.2870% | 4,370 |
| Loan and lease loss provision to assets | 0.0440% | 3,360 |
| Net operating income to assets | 0.9724% | 2,356 |
| Return on assets (ROA) | 0.9908% | 2,323 |
| Pretax return on assets | 0.9908% | 3,613 |
| Return on Equity (ROE) | 9.1634% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.1829% | 1,447 |
| Net charge-offs to loans | 0.0005% | 4,116 |
| Credit loss provision to net charge-offs | 18,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 4,154.0000% | 12 |
| Efficiency ratio | 68.6222% | 2,773 |
| Assets per employee ($millions) | 4.9084% | 2,590 |
| Cash dividends to net income (ytd only)* | 32.5265% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 54.8133% | 4,284 |
| Net loans and leases to deposits | 61.8166% | 4,468 |
| Net loans and leases to core deposits | 63.6504% | 4,553 |
| Total domestic deposits to total assets | 88.6709% | 1,163 |
| Equity capital to assets | 11.1818% | 2,446 |
| Core capital (leverage) ratio | 11.8191% | 1,710 |
| Tier 1 risk-based capital ratio | 18.1331% | 1,767 |
| Total risk-based capital ratio | 19.3861% | 1,718 |
| Memoranda: | ||
| Average total assets | $408,662,600 | 1,672 |
| Average earning assets | $384,952,400 | 1,650 |
| Average equity | $44,186,600 | 1,679 |
| Average total loans | $203,099,200 | 2,131 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 4,910 |
| Cost of funding earning assets | 0.3916% | 3,282 |
| Net interest margin | 3.0468% | 4,820 |
| Noninterest income to average assets | 0.4014% | 3,674 |
| Noninterest expense to average assets | 2.2954% | 4,312 |
| Loan and lease loss provision to assets | 0.0439% | 3,225 |
| Net operating income to assets | 0.9325% | 2,869 |
| Return on assets (ROA) | 0.9569% | 2,794 |
| Pretax return on assets | 0.9569% | 3,843 |
| Return on Equity (ROE) | 8.9247% | 2,645 |
| Retained earnings to average equity (ytd only) | 6.5237% | 1,953 |
| Net charge-offs to loans | -0.0007% | 4,257 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5510% | 2,611 |
| Assets per employee ($millions) | 4.8078% | 2,685 |
| Cash dividends to net income (ytd only)* | 26.9020% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7637% | 916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.5972% | 4,445 |
| Net loans and leases to deposits | 60.7539% | 4,593 |
| Net loans and leases to core deposits | 62.4914% | 4,680 |
| Total domestic deposits to total assets | 88.2201% | 1,243 |
| Equity capital to assets | 11.5572% | 2,314 |
| Core capital (leverage) ratio | 11.5351% | 1,993 |
| Tier 1 risk-based capital ratio | 18.2296% | 1,796 |
| Total risk-based capital ratio | 19.4829% | 1,754 |
| Memoranda: | ||
| Average total assets | $410,206,750 | 1,681 |
| Average earning assets | $386,450,500 | 1,652 |
| Average equity | $43,982,000 | 1,703 |
| Average total loans | $197,749,250 | 2,183 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3081% | 5,094 |
| Cost of funding earning assets | 0.3883% | 3,202 |
| Net interest margin | 2.9199% | 5,060 |
| Noninterest income to average assets | 0.4059% | 3,655 |
| Noninterest expense to average assets | 2.2434% | 4,473 |
| Loan and lease loss provision to assets | 0.0435% | 3,126 |
| Net operating income to assets | 0.8697% | 3,074 |
| Return on assets (ROA) | 0.8977% | 2,981 |
| Pretax return on assets | 0.8977% | 3,944 |
| Return on Equity (ROE) | 8.5880% | 2,730 |
| Retained earnings to average equity (ytd only) | 6.7160% | 1,732 |
| Net charge-offs to loans | -0.0010% | 4,140 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4424% | 2,594 |
| Assets per employee ($millions) | 4.9562% | 2,445 |
| Cash dividends to net income (ytd only)* | 21.7976% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 49.1859% | 4,758 |
| Net loans and leases to deposits | 55.3618% | 4,884 |
| Net loans and leases to core deposits | 56.6525% | 4,968 |
| Total domestic deposits to total assets | 88.8444% | 1,035 |
| Equity capital to assets | 10.9500% | 2,860 |
| Core capital (leverage) ratio | 11.1245% | 2,294 |
| Tier 1 risk-based capital ratio | 18.2884% | 1,778 |
| Total risk-based capital ratio | 19.5415% | 1,736 |
| Memoranda: | ||
| Average total assets | $413,925,330 | 1,669 |
| Average earning assets | $389,950,000 | 1,643 |
| Average equity | $43,269,670 | 1,727 |
| Average total loans | $191,092,330 | 2,251 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1764% | 5,270 |
| Cost of funding earning assets | 0.3711% | 3,301 |
| Net interest margin | 2.8053% | 5,230 |
| Noninterest income to average assets | 0.3950% | 3,701 |
| Noninterest expense to average assets | 2.3535% | 4,253 |
| Loan and lease loss provision to assets | 0.0434% | 2,933 |
| Net operating income to assets | 0.6416% | 3,969 |
| Return on assets (ROA) | 0.6570% | 3,940 |
| Pretax return on assets | 0.6570% | 4,576 |
| Return on Equity (ROE) | 6.4366% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.1535% | 2,250 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8231% | 1,780 |
| Assets per employee ($millions) | 5.0070% | 2,438 |
| Cash dividends to net income (ytd only)* | 4.3988% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0512% | 608 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 43.0775% | 5,096 |
| Net loans and leases to deposits | 48.1129% | 5,215 |
| Net loans and leases to core deposits | 49.2674% | 5,255 |
| Total domestic deposits to total assets | 89.5342% | 880 |
| Equity capital to assets | 10.3376% | 3,366 |
| Core capital (leverage) ratio | 10.8242% | 2,576 |
| Tier 1 risk-based capital ratio | 18.7153% | 1,687 |
| Total risk-based capital ratio | 19.9692% | 1,641 |
| Memoranda: | ||
| Average total assets | $415,207,000 | 1,676 |
| Average earning assets | $391,262,500 | 1,653 |
| Average equity | $42,382,500 | 1,764 |
| Average total loans | $183,575,000 | 2,331 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0371% | 5,471 |
| Cost of funding earning assets | 0.3376% | 3,660 |
| Net interest margin | 2.6995% | 5,419 |
| Noninterest income to average assets | 0.3979% | 3,903 |
| Noninterest expense to average assets | 2.0802% | 5,034 |
| Loan and lease loss provision to assets | 0.0715% | 2,929 |
| Net operating income to assets | 0.7955% | 3,327 |
| Return on assets (ROA) | 0.8801% | 3,044 |
| Pretax return on assets | 0.8801% | 3,913 |
| Return on Equity (ROE) | 8.6120% | 2,607 |
| Retained earnings to average equity (ytd only) | 6.3786% | 1,511 |
| Net charge-offs to loans | 0.0018% | 4,217 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 1,213.0000% | 53 |
| Efficiency ratio | 69.9353% | 2,911 |
| Assets per employee ($millions) | 4.8804% | 2,531 |
| Cash dividends to net income (ytd only)* | 25.9339% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 43.5537% | 5,141 |
| Net loans and leases to deposits | 48.5064% | 5,274 |
| Net loans and leases to core deposits | 50.3120% | 5,295 |
| Total domestic deposits to total assets | 89.7896% | 731 |
| Equity capital to assets | 10.0773% | 3,636 |
| Core capital (leverage) ratio | 10.8522% | 2,485 |
| Tier 1 risk-based capital ratio | 18.0509% | 1,833 |
| Total risk-based capital ratio | 19.3040% | 1,795 |
| Memoranda: | ||
| Average total assets | $419,725,600 | 1,619 |
| Average earning assets | $396,368,400 | 1,587 |
| Average equity | $42,893,600 | 1,727 |
| Average total loans | $168,225,400 | 2,431 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0250% | 5,545 |
| Cost of funding earning assets | 0.3413% | 3,642 |
| Net interest margin | 2.6838% | 5,510 |
| Noninterest income to average assets | 0.3981% | 3,932 |
| Noninterest expense to average assets | 2.0737% | 5,060 |
| Loan and lease loss provision to assets | 0.0713% | 2,787 |
| Net operating income to assets | 0.7890% | 3,416 |
| Return on assets (ROA) | 0.9014% | 3,038 |
| Pretax return on assets | 0.9014% | 3,975 |
| Return on Equity (ROE) | 8.7906% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.8046% | 1,718 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0313% | 2,880 |
| Assets per employee ($millions) | 4.8265% | 2,584 |
| Cash dividends to net income (ytd only)* | 22.5931% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2184% | 497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.4867% | 5,406 |
| Net loans and leases to deposits | 44.4915% | 5,497 |
| Net loans and leases to core deposits | 46.1124% | 5,509 |
| Total domestic deposits to total assets | 88.7510% | 1,025 |
| Equity capital to assets | 11.0322% | 2,973 |
| Core capital (leverage) ratio | 10.7140% | 2,772 |
| Tier 1 risk-based capital ratio | 19.3414% | 1,590 |
| Total risk-based capital ratio | 20.5958% | 1,547 |
| Memoranda: | ||
| Average total assets | $420,948,750 | 1,614 |
| Average earning assets | $397,741,000 | 1,579 |
| Average equity | $43,166,000 | 1,729 |
| Average total loans | $164,187,000 | 2,476 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 5,626 |
| Cost of funding earning assets | 0.3522% | 3,540 |
| Net interest margin | 2.6713% | 5,604 |
| Noninterest income to average assets | 0.3905% | 3,944 |
| Noninterest expense to average assets | 2.0205% | 5,232 |
| Loan and lease loss provision to assets | 0.0704% | 2,725 |
| Net operating income to assets | 0.8270% | 3,184 |
| Return on assets (ROA) | 0.9256% | 2,876 |
| Pretax return on assets | 0.9256% | 3,855 |
| Return on Equity (ROE) | 9.2483% | 2,380 |
| Retained earnings to average equity (ytd only) | 7.4662% | 1,402 |
| Net charge-offs to loans | -0.0012% | 4,328 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6183% | 3,220 |
| Assets per employee ($millions) | 4.9825% | 2,317 |
| Cash dividends to net income (ytd only)* | 19.2698% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2367% | 516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.6058% | 5,535 |
| Net loans and leases to deposits | 42.1894% | 5,612 |
| Net loans and leases to core deposits | 43.6492% | 5,637 |
| Total domestic deposits to total assets | 89.1357% | 858 |
| Equity capital to assets | 10.6851% | 3,422 |
| Core capital (leverage) ratio | 10.1611% | 3,373 |
| Tier 1 risk-based capital ratio | 19.4155% | 1,587 |
| Total risk-based capital ratio | 20.6698% | 1,549 |
| Memoranda: | ||
| Average total assets | $426,124,000 | 1,591 |
| Average earning assets | $403,167,000 | 1,559 |
| Average equity | $42,645,670 | 1,745 |
| Average total loans | $164,342,670 | 2,483 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9171% | 5,765 |
| Cost of funding earning assets | 0.3659% | 3,442 |
| Net interest margin | 2.5513% | 5,765 |
| Noninterest income to average assets | 0.3857% | 3,942 |
| Noninterest expense to average assets | 1.9158% | 5,501 |
| Loan and lease loss provision to assets | 0.0694% | 2,565 |
| Net operating income to assets | 0.8196% | 3,154 |
| Return on assets (ROA) | 0.8196% | 3,279 |
| Pretax return on assets | 0.8196% | 4,134 |
| Return on Equity (ROE) | 8.4634% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.4634% | 1,278 |
| Net charge-offs to loans | -0.0024% | 4,140 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6781% | 3,517 |
| Assets per employee ($millions) | 5.4450% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 36.1529% | 5,630 |
| Net loans and leases to deposits | 40.1211% | 5,712 |
| Net loans and leases to core deposits | 41.5913% | 5,729 |
| Total domestic deposits to total assets | 90.1095% | 556 |
| Equity capital to assets | 9.7724% | 4,374 |
| Core capital (leverage) ratio | 9.7726% | 3,812 |
| Tier 1 risk-based capital ratio | 18.1064% | 1,956 |
| Total risk-based capital ratio | 19.3595% | 1,919 |
| Memoranda: | ||
| Average total assets | $432,412,000 | 1,572 |
| Average earning assets | $409,989,500 | 1,534 |
| Average equity | $41,874,500 | 1,763 |
| Average total loans | $166,976,000 | 2,440 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9977% | 5,730 |
| Cost of funding earning assets | 0.3727% | 3,452 |
| Net interest margin | 2.6250% | 5,735 |
| Noninterest income to average assets | 0.4098% | 3,958 |
| Noninterest expense to average assets | 1.9811% | 5,497 |
| Loan and lease loss provision to assets | 0.1323% | 1,807 |
| Net operating income to assets | 0.7878% | 3,389 |
| Return on assets (ROA) | 0.8400% | 3,227 |
| Pretax return on assets | 0.8400% | 4,065 |
| Return on Equity (ROE) | 8.6259% | 2,657 |
| Retained earnings to average equity (ytd only) | 6.2864% | 1,659 |
| Net charge-offs to loans | -0.0019% | 4,871 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7531% | 3,610 |
| Assets per employee ($millions) | 5.3642% | 1,941 |
| Cash dividends to net income (ytd only)* | 27.1216% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 39.5519% | 5,544 |
| Net loans and leases to deposits | 44.3018% | 5,643 |
| Net loans and leases to core deposits | 45.9757% | 5,650 |
| Total domestic deposits to total assets | 89.2783% | 979 |
| Equity capital to assets | 9.5919% | 4,446 |
| Core capital (leverage) ratio | 9.8922% | 3,656 |
| Tier 1 risk-based capital ratio | 17.8311% | 2,015 |
| Total risk-based capital ratio | 19.0837% | 1,963 |
| Memoranda: | ||
| Average total assets | $408,201,800 | 1,617 |
| Average earning assets | $387,430,600 | 1,573 |
| Average equity | $39,752,400 | 1,809 |
| Average total loans | $160,589,600 | 2,459 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9981% | 5,810 |
| Cost of funding earning assets | 0.3754% | 3,485 |
| Net interest margin | 2.6228% | 5,812 |
| Noninterest income to average assets | 0.4132% | 3,985 |
| Noninterest expense to average assets | 1.9635% | 5,544 |
| Loan and lease loss provision to assets | 0.1336% | 1,678 |
| Net operating income to assets | 0.8070% | 3,400 |
| Return on assets (ROA) | 0.8736% | 3,156 |
| Pretax return on assets | 0.8736% | 4,078 |
| Return on Equity (ROE) | 8.9351% | 2,609 |
| Retained earnings to average equity (ytd only) | 6.8101% | 1,783 |
| Net charge-offs to loans | -0.0017% | 4,685 |
| Credit loss provision to net charge-offs | -20,250.0000% | 5,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0793% | 3,691 |
| Assets per employee ($millions) | 5.2808% | 1,970 |
| Cash dividends to net income (ytd only)* | 23.7826% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9707% | 958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 39.5017% | 5,620 |
| Net loans and leases to deposits | 43.9876% | 5,723 |
| Net loans and leases to core deposits | 45.6353% | 5,742 |
| Total domestic deposits to total assets | 89.8020% | 650 |
| Equity capital to assets | 9.9977% | 4,151 |
| Core capital (leverage) ratio | 10.1924% | 3,381 |
| Tier 1 risk-based capital ratio | 18.6623% | 1,860 |
| Total risk-based capital ratio | 19.9152% | 1,824 |
| Memoranda: | ||
| Average total assets | $404,308,500 | 1,644 |
| Average earning assets | $383,963,000 | 1,603 |
| Average equity | $39,528,500 | 1,833 |
| Average total loans | $157,982,500 | 2,504 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9904% | 5,866 |
| Cost of funding earning assets | 0.3807% | 3,481 |
| Net interest margin | 2.6097% | 5,874 |
| Noninterest income to average assets | 0.4127% | 3,987 |
| Noninterest expense to average assets | 1.9991% | 5,532 |
| Loan and lease loss provision to assets | 0.1344% | 1,632 |
| Net operating income to assets | 0.7566% | 3,615 |
| Return on assets (ROA) | 0.7656% | 3,662 |
| Pretax return on assets | 0.7656% | 4,438 |
| Return on Equity (ROE) | 7.8917% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.4812% | 1,486 |
| Net charge-offs to loans | -0.0026% | 4,620 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6359% | 3,566 |
| Assets per employee ($millions) | 5.2588% | 1,974 |
| Cash dividends to net income (ytd only)* | 5.2016% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 1,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 39.0329% | 5,683 |
| Net loans and leases to deposits | 43.3841% | 5,789 |
| Net loans and leases to core deposits | 45.0882% | 5,801 |
| Total domestic deposits to total assets | 89.9706% | 675 |
| Equity capital to assets | 9.8650% | 4,195 |
| Core capital (leverage) ratio | 10.0303% | 3,549 |
| Tier 1 risk-based capital ratio | 19.0943% | 1,774 |
| Total risk-based capital ratio | 20.3470% | 1,743 |
| Memoranda: | ||
| Average total assets | $401,776,000 | 1,664 |
| Average earning assets | $381,425,330 | 1,619 |
| Average equity | $38,977,670 | 1,861 |
| Average total loans | $155,316,330 | 2,548 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9751% | 5,921 |
| Cost of funding earning assets | 0.3848% | 3,467 |
| Net interest margin | 2.5903% | 5,934 |
| Noninterest income to average assets | 0.4091% | 3,929 |
| Noninterest expense to average assets | 1.9482% | 5,669 |
| Loan and lease loss provision to assets | 0.1341% | 1,542 |
| Net operating income to assets | 0.7864% | 3,334 |
| Return on assets (ROA) | 0.7596% | 3,624 |
| Pretax return on assets | 0.7596% | 4,394 |
| Return on Equity (ROE) | 7.8962% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.8962% | 1,606 |
| Net charge-offs to loans | -0.0026% | 4,376 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3589% | 3,927 |
| Assets per employee ($millions) | 5.2679% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 1,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 36.8668% | 5,782 |
| Net loans and leases to deposits | 41.8287% | 5,841 |
| Net loans and leases to core deposits | 43.9436% | 5,843 |
| Total domestic deposits to total assets | 88.1376% | 1,737 |
| Equity capital to assets | 9.6017% | 4,636 |
| Core capital (leverage) ratio | 9.8723% | 3,788 |
| Tier 1 risk-based capital ratio | 19.1112% | 1,837 |
| Total risk-based capital ratio | 20.3635% | 1,796 |
| Memoranda: | ||
| Average total assets | $402,831,500 | 1,662 |
| Average earning assets | $382,506,000 | 1,621 |
| Average equity | $38,753,000 | 1,882 |
| Average total loans | $153,406,000 | 2,575 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9443% | 6,099 |
| Cost of funding earning assets | 0.4133% | 3,563 |
| Net interest margin | 2.5310% | 6,126 |
| Noninterest income to average assets | 0.4686% | 3,721 |
| Noninterest expense to average assets | 2.1687% | 5,412 |
| Loan and lease loss provision to assets | 0.0078% | 4,472 |
| Net operating income to assets | 0.6870% | 3,963 |
| Return on assets (ROA) | 0.7459% | 3,744 |
| Pretax return on assets | 0.7459% | 4,459 |
| Return on Equity (ROE) | 7.8085% | 3,227 |
| Retained earnings to average equity (ytd only) | 4.4170% | 3,038 |
| Net charge-offs to loans | -0.0008% | 5,331 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1561% | 2,644 |
| Assets per employee ($millions) | 4.9971% | 2,326 |
| Cash dividends to net income (ytd only)* | 43.4329% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8802% | 1,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.8612% | 5,860 |
| Net loans and leases to deposits | 41.9681% | 5,971 |
| Net loans and leases to core deposits | 44.0599% | 5,954 |
| Total domestic deposits to total assets | 90.2143% | 645 |
| Equity capital to assets | 9.6393% | 4,541 |
| Core capital (leverage) ratio | 10.0187% | 3,544 |
| Tier 1 risk-based capital ratio | 18.9830% | 1,850 |
| Total risk-based capital ratio | 20.2351% | 1,813 |
| Memoranda: | ||
| Average total assets | $385,856,400 | 1,696 |
| Average earning assets | $365,112,400 | 1,649 |
| Average equity | $36,857,400 | 1,909 |
| Average total loans | $132,445,800 | 2,820 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9233% | 6,184 |
| Cost of funding earning assets | 0.4229% | 3,545 |
| Net interest margin | 2.5004% | 6,224 |
| Noninterest income to average assets | 0.4671% | 3,752 |
| Noninterest expense to average assets | 2.0863% | 5,606 |
| Loan and lease loss provision to assets | 0.0080% | 4,258 |
| Net operating income to assets | 0.7378% | 3,736 |
| Return on assets (ROA) | 0.8227% | 3,414 |
| Pretax return on assets | 0.8227% | 4,274 |
| Return on Equity (ROE) | 8.6325% | 2,885 |
| Retained earnings to average equity (ytd only) | 6.0796% | 2,360 |
| Net charge-offs to loans | -0.0010% | 5,159 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0887% | 2,973 |
| Assets per employee ($millions) | 4.7754% | 2,553 |
| Cash dividends to net income (ytd only)* | 29.5733% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0675% | 1,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 35.4106% | 6,053 |
| Net loans and leases to deposits | 39.3968% | 6,133 |
| Net loans and leases to core deposits | 41.4329% | 6,139 |
| Total domestic deposits to total assets | 89.8820% | 793 |
| Equity capital to assets | 9.8693% | 4,332 |
| Core capital (leverage) ratio | 10.1672% | 3,450 |
| Tier 1 risk-based capital ratio | 20.7961% | 1,493 |
| Total risk-based capital ratio | 22.0476% | 1,465 |
| Memoranda: | ||
| Average total assets | $383,628,500 | 1,719 |
| Average earning assets | $362,866,500 | 1,668 |
| Average equity | $36,558,500 | 1,931 |
| Average total loans | $127,475,250 | 2,922 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8931% | 6,262 |
| Cost of funding earning assets | 0.4258% | 3,595 |
| Net interest margin | 2.4673% | 6,307 |
| Noninterest income to average assets | 0.4696% | 3,720 |
| Noninterest expense to average assets | 2.0726% | 5,680 |
| Loan and lease loss provision to assets | 0.0078% | 4,081 |
| Net operating income to assets | 0.7211% | 3,728 |
| Return on assets (ROA) | 0.8356% | 3,242 |
| Pretax return on assets | 0.8356% | 4,139 |
| Return on Equity (ROE) | 8.8731% | 2,649 |
| Retained earnings to average equity (ytd only) | 6.1089% | 2,259 |
| Net charge-offs to loans | -0.0016% | 5,049 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4064% | 3,083 |
| Assets per employee ($millions) | 4.9688% | 2,253 |
| Cash dividends to net income (ytd only)* | 31.1526% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0846% | 1,211 |
| Loan loss allowance to noncurrent loans | 5,933.3333% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 6,207 |
| Noncurrent loans to loans | 0.0351% | 5,956 |
| Net loans and leases to total assets | 34.5170% | 6,129 |
| Net loans and leases to deposits | 38.2456% | 6,218 |
| Net loans and leases to core deposits | 40.0484% | 6,221 |
| Total domestic deposits to total assets | 90.2507% | 686 |
| Equity capital to assets | 9.5375% | 4,706 |
| Core capital (leverage) ratio | 9.9698% | 3,659 |
| Tier 1 risk-based capital ratio | 20.3865% | 1,593 |
| Total risk-based capital ratio | 21.6399% | 1,562 |
| Memoranda: | ||
| Average total assets | $384,160,670 | 1,713 |
| Average earning assets | $363,070,000 | 1,663 |
| Average equity | $36,176,670 | 1,941 |
| Average total loans | $123,921,670 | 2,993 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8201% | 6,380 |
| Cost of funding earning assets | 0.4258% | 3,688 |
| Net interest margin | 2.3943% | 6,425 |
| Noninterest income to average assets | 0.4790% | 3,571 |
| Noninterest expense to average assets | 2.0572% | 5,775 |
| Loan and lease loss provision to assets | 0.0084% | 3,713 |
| Net operating income to assets | 0.6777% | 3,802 |
| Return on assets (ROA) | 0.7279% | 3,637 |
| Pretax return on assets | 0.7279% | 4,395 |
| Return on Equity (ROE) | 7.7802% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.7802% | 1,692 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3805% | 3,072 |
| Assets per employee ($millions) | 4.9174% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3912% | 924 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.2243% | 6,345 |
| Net loans and leases to deposits | 33.7163% | 6,379 |
| Net loans and leases to core deposits | 35.1748% | 6,380 |
| Total domestic deposits to total assets | 89.6430% | 1,284 |
| Equity capital to assets | 9.7099% | 4,213 |
| Core capital (leverage) ratio | 9.9292% | 3,664 |
| Tier 1 risk-based capital ratio | 21.9375% | 1,299 |
| Total risk-based capital ratio | 23.1925% | 1,272 |
| Memoranda: | ||
| Average total assets | $382,458,000 | 1,729 |
| Average earning assets | $361,687,500 | 1,683 |
| Average equity | $35,783,000 | 1,952 |
| Average total loans | $117,570,500 | 3,126 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8526% | 6,465 |
| Cost of funding earning assets | 0.4353% | 4,263 |
| Net interest margin | 2.4174% | 6,430 |
| Noninterest income to average assets | 0.5198% | 3,636 |
| Noninterest expense to average assets | 2.0017% | 6,020 |
| Loan and lease loss provision to assets | 0.0081% | 4,959 |
| Net operating income to assets | 0.7879% | 3,353 |
| Return on assets (ROA) | 0.8625% | 3,042 |
| Pretax return on assets | 0.8625% | 3,907 |
| Return on Equity (ROE) | 8.9662% | 2,543 |
| Retained earnings to average equity (ytd only) | 6.3976% | 1,741 |
| Net charge-offs to loans | -0.0216% | 6,154 |
| Credit loss provision to net charge-offs | -125.0000% | 5,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9391% | 3,680 |
| Assets per employee ($millions) | 4.8892% | 2,324 |
| Cash dividends to net income (ytd only)* | 28.6475% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4335% | 896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.7729% | 6,464 |
| Net loans and leases to deposits | 32.7723% | 6,514 |
| Net loans and leases to core deposits | 34.2739% | 6,514 |
| Total domestic deposits to total assets | 90.8478% | 640 |
| Equity capital to assets | 9.0002% | 5,035 |
| Core capital (leverage) ratio | 9.8723% | 3,742 |
| Tier 1 risk-based capital ratio | 21.3825% | 1,361 |
| Total risk-based capital ratio | 22.6372% | 1,340 |
| Memoranda: | ||
| Average total assets | $370,329,200 | 1,761 |
| Average earning assets | $348,974,400 | 1,714 |
| Average equity | $35,622,800 | 1,933 |
| Average total loans | $111,036,600 | 3,230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8662% | 6,517 |
| Cost of funding earning assets | 0.4392% | 4,391 |
| Net interest margin | 2.4270% | 6,492 |
| Noninterest income to average assets | 0.5082% | 3,748 |
| Noninterest expense to average assets | 1.9733% | 6,058 |
| Loan and lease loss provision to assets | 0.0080% | 4,820 |
| Net operating income to assets | 0.8122% | 3,285 |
| Return on assets (ROA) | 0.9163% | 2,854 |
| Pretax return on assets | 0.9163% | 3,808 |
| Return on Equity (ROE) | 9.3689% | 2,455 |
| Retained earnings to average equity (ytd only) | 7.4588% | 1,661 |
| Net charge-offs to loans | -0.0292% | 6,154 |
| Credit loss provision to net charge-offs | -91.6667% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0299% | 3,755 |
| Assets per employee ($millions) | 4.9080% | 2,291 |
| Cash dividends to net income (ytd only)* | 20.3880% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5859% | 844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 28.5207% | 6,581 |
| Net loans and leases to deposits | 31.4571% | 6,629 |
| Net loans and leases to core deposits | 33.0197% | 6,630 |
| Total domestic deposits to total assets | 90.6656% | 677 |
| Equity capital to assets | 9.0704% | 5,102 |
| Core capital (leverage) ratio | 10.3499% | 3,168 |
| Tier 1 risk-based capital ratio | 21.9739% | 1,323 |
| Total risk-based capital ratio | 23.2291% | 1,307 |
| Memoranda: | ||
| Average total assets | $367,571,500 | 1,785 |
| Average earning assets | $346,100,000 | 1,743 |
| Average equity | $35,947,750 | 1,931 |
| Average total loans | $109,702,250 | 3,277 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8811% | 6,545 |
| Cost of funding earning assets | 0.4545% | 4,383 |
| Net interest margin | 2.4267% | 6,529 |
| Noninterest income to average assets | 0.5096% | 3,769 |
| Noninterest expense to average assets | 1.9554% | 6,120 |
| Loan and lease loss provision to assets | 0.0082% | 4,692 |
| Net operating income to assets | 0.8322% | 3,136 |
| Return on assets (ROA) | 0.9668% | 2,631 |
| Pretax return on assets | 0.9668% | 3,653 |
| Return on Equity (ROE) | 9.6473% | 2,346 |
| Retained earnings to average equity (ytd only) | 7.3828% | 1,722 |
| Net charge-offs to loans | -0.0419% | 6,205 |
| Credit loss provision to net charge-offs | -65.2174% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3135% | 3,957 |
| Assets per employee ($millions) | 4.7990% | 2,376 |
| Cash dividends to net income (ytd only)* | 23.4729% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5517% | 931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 30.2824% | 6,570 |
| Net loans and leases to deposits | 33.9077% | 6,615 |
| Net loans and leases to core deposits | 35.6526% | 6,610 |
| Total domestic deposits to total assets | 89.3083% | 1,443 |
| Equity capital to assets | 9.6202% | 4,424 |
| Core capital (leverage) ratio | 10.0024% | 3,513 |
| Tier 1 risk-based capital ratio | 21.7729% | 1,332 |
| Total risk-based capital ratio | 23.0284% | 1,304 |
| Memoranda: | ||
| Average total assets | $365,760,000 | 1,791 |
| Average earning assets | $344,588,000 | 1,746 |
| Average equity | $36,652,670 | 1,905 |
| Average total loans | $109,867,000 | 3,276 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8618% | 6,643 |
| Cost of funding earning assets | 0.4640% | 4,439 |
| Net interest margin | 2.3978% | 6,601 |
| Noninterest income to average assets | 0.5174% | 3,654 |
| Noninterest expense to average assets | 1.9080% | 6,264 |
| Loan and lease loss provision to assets | 0.0108% | 4,314 |
| Net operating income to assets | 0.8602% | 2,864 |
| Return on assets (ROA) | 1.0359% | 2,197 |
| Pretax return on assets | 1.0359% | 3,201 |
| Return on Equity (ROE) | 10.1433% | 2,012 |
| Retained earnings to average equity (ytd only) | 10.1433% | 1,074 |
| Net charge-offs to loans | -0.0766% | 6,325 |
| Credit loss provision to net charge-offs | -47.6190% | 5,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0372% | 4,300 |
| Assets per employee ($millions) | 5.2634% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 27.6703% | 6,676 |
| Net loans and leases to deposits | 30.9802% | 6,719 |
| Net loans and leases to core deposits | 32.4650% | 6,711 |
| Total domestic deposits to total assets | 89.3162% | 1,479 |
| Equity capital to assets | 10.2489% | 3,859 |
| Core capital (leverage) ratio | 9.6160% | 3,892 |
| Tier 1 risk-based capital ratio | 21.2102% | 1,488 |
| Total risk-based capital ratio | 22.4625% | 1,465 |
| Memoranda: | ||
| Average total assets | $371,076,500 | 1,777 |
| Average earning assets | $349,985,000 | 1,742 |
| Average equity | $37,897,000 | 1,871 |
| Average total loans | $109,622,000 | 3,293 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1294% | 6,705 |
| Cost of funding earning assets | 0.5142% | 5,122 |
| Net interest margin | 2.6152% | 6,623 |
| Noninterest income to average assets | 0.5565% | 3,531 |
| Noninterest expense to average assets | 1.9797% | 6,367 |
| Loan and lease loss provision to assets | 0.1039% | 4,344 |
| Net operating income to assets | 0.9353% | 2,621 |
| Return on assets (ROA) | 1.2039% | 1,757 |
| Pretax return on assets | 1.2039% | 2,795 |
| Return on Equity (ROE) | 11.3402% | 1,699 |
| Retained earnings to average equity (ytd only) | 8.6499% | 925 |
| Net charge-offs to loans | -0.0108% | 6,470 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4243% | 4,620 |
| Assets per employee ($millions) | 5.0502% | 2,168 |
| Cash dividends to net income (ytd only)* | 23.7239% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4265% | 1,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 29.8915% | 6,703 |
| Net loans and leases to deposits | 33.3462% | 6,749 |
| Net loans and leases to core deposits | 35.0001% | 6,748 |
| Total domestic deposits to total assets | 89.6400% | 1,165 |
| Equity capital to assets | 10.1770% | 3,919 |
| Core capital (leverage) ratio | 9.6162% | 3,938 |
| Tier 1 risk-based capital ratio | 19.6927% | 1,758 |
| Total risk-based capital ratio | 20.9475% | 1,727 |
| Memoranda: | ||
| Average total assets | $346,622,400 | 1,866 |
| Average earning assets | $326,358,800 | 1,821 |
| Average equity | $36,798,200 | 1,887 |
| Average total loans | $111,367,200 | 3,267 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2200% | 6,783 |
| Cost of funding earning assets | 0.5314% | 5,233 |
| Net interest margin | 2.6886% | 6,660 |
| Noninterest income to average assets | 0.5418% | 3,659 |
| Noninterest expense to average assets | 1.9542% | 6,440 |
| Loan and lease loss provision to assets | 0.1059% | 4,241 |
| Net operating income to assets | 1.0126% | 2,439 |
| Return on assets (ROA) | 1.1848% | 1,976 |
| Pretax return on assets | 1.1848% | 3,041 |
| Return on Equity (ROE) | 11.0349% | 1,947 |
| Retained earnings to average equity (ytd only) | 8.3309% | 1,478 |
| Net charge-offs to loans | -0.0036% | 6,239 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5981% | 4,872 |
| Assets per employee ($millions) | 4.9223% | 2,295 |
| Cash dividends to net income (ytd only)* | 24.5032% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.6341% | 6,791 |
| Net loans and leases to deposits | 34.4996% | 6,849 |
| Net loans and leases to core deposits | 36.4016% | 6,848 |
| Total domestic deposits to total assets | 88.7957% | 1,539 |
| Equity capital to assets | 10.7591% | 3,545 |
| Core capital (leverage) ratio | 10.0036% | 3,535 |
| Tier 1 risk-based capital ratio | 19.8240% | 1,806 |
| Total risk-based capital ratio | 21.0779% | 1,778 |
| Memoranda: | ||
| Average total assets | $339,849,250 | 1,918 |
| Average earning assets | $319,909,000 | 1,874 |
| Average equity | $36,489,500 | 1,925 |
| Average total loans | $110,587,250 | 3,316 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2833% | 6,824 |
| Cost of funding earning assets | 0.5603% | 5,227 |
| Net interest margin | 2.7230% | 6,681 |
| Noninterest income to average assets | 0.5472% | 3,596 |
| Noninterest expense to average assets | 1.9763% | 6,484 |
| Loan and lease loss provision to assets | 0.1080% | 4,172 |
| Net operating income to assets | 1.0229% | 2,371 |
| Return on assets (ROA) | 1.2725% | 1,676 |
| Pretax return on assets | 1.2725% | 2,644 |
| Return on Equity (ROE) | 11.8604% | 1,711 |
| Retained earnings to average equity (ytd only) | 9.2602% | 1,192 |
| Net charge-offs to loans | -0.0055% | 6,179 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6030% | 4,969 |
| Assets per employee ($millions) | 5.0131% | 2,169 |
| Cash dividends to net income (ytd only)* | 21.9236% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 32.9563% | 6,774 |
| Net loans and leases to deposits | 37.0572% | 6,838 |
| Net loans and leases to core deposits | 39.2023% | 6,823 |
| Total domestic deposits to total assets | 88.9337% | 1,550 |
| Equity capital to assets | 10.8764% | 3,258 |
| Core capital (leverage) ratio | 9.9142% | 3,546 |
| Tier 1 risk-based capital ratio | 20.3619% | 1,622 |
| Total risk-based capital ratio | 21.6141% | 1,591 |
| Memoranda: | ||
| Average total assets | $333,357,330 | 1,951 |
| Average earning assets | $313,406,670 | 1,907 |
| Average equity | $35,766,000 | 1,938 |
| Average total loans | $109,864,670 | 3,337 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3045% | 6,890 |
| Cost of funding earning assets | 0.5689% | 5,372 |
| Net interest margin | 2.7356% | 6,732 |
| Noninterest income to average assets | 0.5637% | 3,469 |
| Noninterest expense to average assets | 1.9850% | 6,490 |
| Loan and lease loss provision to assets | 0.1084% | 3,997 |
| Net operating income to assets | 1.0419% | 2,317 |
| Return on assets (ROA) | 1.1069% | 2,240 |
| Pretax return on assets | 1.1069% | 3,296 |
| Return on Equity (ROE) | 10.3890% | 2,271 |
| Retained earnings to average equity (ytd only) | 10.3890% | 1,180 |
| Net charge-offs to loans | -0.0037% | 5,759 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3116% | 5,047 |
| Assets per employee ($millions) | 5.1810% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3309% | 1,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 30.5984% | 6,881 |
| Net loans and leases to deposits | 34.2266% | 6,944 |
| Net loans and leases to core deposits | 36.1589% | 6,937 |
| Total domestic deposits to total assets | 89.3994% | 1,422 |
| Equity capital to assets | 10.4427% | 3,562 |
| Core capital (leverage) ratio | 9.8493% | 3,573 |
| Tier 1 risk-based capital ratio | 20.3873% | 1,621 |
| Total risk-based capital ratio | 21.6357% | 1,591 |
| Memoranda: | ||
| Average total assets | $332,098,500 | 1,961 |
| Average earning assets | $312,184,500 | 1,915 |
| Average equity | $35,383,500 | 1,958 |
| Average total loans | $108,156,500 | 3,404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 6,672 |
| Cost of funding earning assets | 0.6655% | 5,739 |
| Net interest margin | 3.1863% | 6,135 |
| Noninterest income to average assets | 0.6307% | 3,002 |
| Noninterest expense to average assets | 2.1944% | 6,281 |
| Loan and lease loss provision to assets | 0.1751% | 4,445 |
| Net operating income to assets | 1.2612% | 1,346 |
| Return on assets (ROA) | 1.3338% | 1,255 |
| Pretax return on assets | 1.3338% | 2,004 |
| Return on Equity (ROE) | 12.5818% | 1,264 |
| Retained earnings to average equity (ytd only) | 8.0465% | 1,064 |
| Net charge-offs to loans | 0.1515% | 4,928 |
| Credit loss provision to net charge-offs | 316.0920% | 740 |
| Earnings coverage of net charge-offs (x) | 25.9253% | 958 |
| Efficiency ratio | 60.4402% | 5,678 |
| Assets per employee ($millions) | 4.8098% | 2,439 |
| Cash dividends to net income (ytd only)* | 36.0468% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 1,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 33.1357% | 6,902 |
| Net loans and leases to deposits | 37.2603% | 6,971 |
| Net loans and leases to core deposits | 39.4350% | 6,961 |
| Total domestic deposits to total assets | 88.9302% | 1,592 |
| Equity capital to assets | 10.8793% | 3,107 |
| Core capital (leverage) ratio | 10.0017% | 3,340 |
| Tier 1 risk-based capital ratio | 20.3098% | 1,562 |
| Total risk-based capital ratio | 21.5631% | 1,543 |
| Memoranda: | ||
| Average total assets | $314,072,800 | 2,046 |
| Average earning assets | $295,707,600 | 1,983 |
| Average equity | $33,294,000 | 1,998 |
| Average total loans | $114,828,000 | 3,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9346% | 6,685 |
| Cost of funding earning assets | 0.6892% | 5,830 |
| Net interest margin | 3.2454% | 6,030 |
| Noninterest income to average assets | 0.6123% | 3,091 |
| Noninterest expense to average assets | 2.1784% | 6,324 |
| Loan and lease loss provision to assets | 0.1795% | 4,234 |
| Net operating income to assets | 1.3110% | 1,350 |
| Return on assets (ROA) | 1.3686% | 1,307 |
| Pretax return on assets | 1.3686% | 2,049 |
| Return on Equity (ROE) | 12.9991% | 1,277 |
| Retained earnings to average equity (ytd only) | 8.7986% | 1,214 |
| Net charge-offs to loans | 0.2042% | 4,170 |
| Credit loss provision to net charge-offs | 235.9551% | 1,205 |
| Earnings coverage of net charge-offs (x) | 19.5953% | 1,253 |
| Efficiency ratio | 59.3757% | 5,810 |
| Assets per employee ($millions) | 4.6988% | 2,624 |
| Cash dividends to net income (ytd only)* | 32.3136% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 2,235 |
| Loan loss allowance to noncurrent loans | 7,100.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 7,046 |
| Noncurrent loans to loans | 0.0287% | 6,868 |
| Net loans and leases to total assets | 33.6770% | 6,970 |
| Net loans and leases to deposits | 37.8897% | 7,039 |
| Net loans and leases to core deposits | 40.2500% | 7,032 |
| Total domestic deposits to total assets | 88.8819% | 1,495 |
| Equity capital to assets | 10.8368% | 3,308 |
| Core capital (leverage) ratio | 9.8223% | 3,682 |
| Tier 1 risk-based capital ratio | 19.6427% | 1,774 |
| Total risk-based capital ratio | 20.8950% | 1,747 |
| Memoranda: | ||
| Average total assets | $312,027,500 | 2,065 |
| Average earning assets | $293,865,250 | 1,998 |
| Average equity | $32,852,750 | 2,023 |
| Average total loans | $116,238,250 | 3,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0261% | 6,624 |
| Cost of funding earning assets | 0.7032% | 5,941 |
| Net interest margin | 3.3229% | 5,795 |
| Noninterest income to average assets | 0.6020% | 3,126 |
| Noninterest expense to average assets | 2.2483% | 6,251 |
| Loan and lease loss provision to assets | 0.1299% | 4,667 |
| Net operating income to assets | 1.3541% | 1,187 |
| Return on assets (ROA) | 1.3891% | 1,174 |
| Pretax return on assets | 1.3891% | 1,826 |
| Return on Equity (ROE) | 13.3304% | 1,128 |
| Retained earnings to average equity (ytd only) | 8.9680% | 1,117 |
| Net charge-offs to loans | 0.2003% | 3,947 |
| Credit loss provision to net charge-offs | 169.4915% | 1,781 |
| Earnings coverage of net charge-offs (x) | 19.3644% | 1,220 |
| Efficiency ratio | 60.2401% | 5,836 |
| Assets per employee ($millions) | 4.4889% | 2,854 |
| Cash dividends to net income (ytd only)* | 32.7256% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,957 |
| Loan loss allowance to noncurrent loans | 349.0909% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 6,477 |
| Noncurrent loans to loans | 0.5185% | 5,868 |
| Net loans and leases to total assets | 36.9926% | 6,910 |
| Net loans and leases to deposits | 42.1443% | 6,985 |
| Net loans and leases to core deposits | 45.0667% | 6,975 |
| Total domestic deposits to total assets | 87.7762% | 2,295 |
| Equity capital to assets | 10.7893% | 3,183 |
| Core capital (leverage) ratio | 9.9202% | 3,363 |
| Tier 1 risk-based capital ratio | 18.8065% | 1,905 |
| Total risk-based capital ratio | 20.0570% | 1,870 |
| Memoranda: | ||
| Average total assets | $307,964,000 | 2,093 |
| Average earning assets | $290,105,670 | 2,035 |
| Average equity | $32,092,000 | 2,060 |
| Average total loans | $117,831,330 | 3,271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 6,694 |
| Cost of funding earning assets | 0.7122% | 6,067 |
| Net interest margin | 3.2893% | 5,819 |
| Noninterest income to average assets | 0.6018% | 3,152 |
| Noninterest expense to average assets | 2.2405% | 6,327 |
| Loan and lease loss provision to assets | 0.0977% | 4,790 |
| Net operating income to assets | 1.3677% | 1,122 |
| Return on assets (ROA) | 1.3677% | 1,172 |
| Pretax return on assets | 1.3677% | 1,824 |
| Return on Equity (ROE) | 13.3635% | 1,118 |
| Retained earnings to average equity (ytd only) | 13.3635% | 538 |
| Net charge-offs to loans | 0.0304% | 4,673 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 255 |
| Efficiency ratio | 60.4569% | 5,908 |
| Assets per employee ($millions) | 4.4791% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7639% | 3,120 |
| Loan loss allowance to noncurrent loans | 363.8889% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 6,687 |
| Noncurrent loans to loans | 0.4847% | 6,047 |
| Net loans and leases to total assets | 37.7709% | 6,916 |
| Net loans and leases to deposits | 42.2102% | 7,016 |
| Net loans and leases to core deposits | 45.0243% | 7,009 |
| Total domestic deposits to total assets | 89.4829% | 1,492 |
| Equity capital to assets | 10.3217% | 3,390 |
| Core capital (leverage) ratio | 9.8733% | 3,308 |
| Tier 1 risk-based capital ratio | 18.4247% | 1,983 |
| Total risk-based capital ratio | 19.6752% | 1,931 |
| Memoranda: | ||
| Average total assets | $307,080,000 | 2,115 |
| Average earning assets | $289,790,000 | 2,055 |
| Average equity | $31,429,000 | 2,085 |
| Average total loans | $118,402,000 | 3,285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 6,970 |
| Cost of funding earning assets | 0.8819% | 6,232 |
| Net interest margin | 3.2875% | 6,023 |
| Noninterest income to average assets | 0.6468% | 3,172 |
| Noninterest expense to average assets | 2.3403% | 6,242 |
| Loan and lease loss provision to assets | 0.2521% | 4,779 |
| Net operating income to assets | 1.1496% | 1,542 |
| Return on assets (ROA) | 1.2915% | 1,254 |
| Pretax return on assets | 1.2915% | 1,951 |
| Return on Equity (ROE) | 12.5852% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.5069% | 837 |
| Net charge-offs to loans | 0.2515% | 4,783 |
| Credit loss provision to net charge-offs | 271.7391% | 1,010 |
| Earnings coverage of net charge-offs (x) | 15.1087% | 1,299 |
| Efficiency ratio | 62.5404% | 5,620 |
| Assets per employee ($millions) | 4.1230% | 3,527 |
| Cash dividends to net income (ytd only)* | 32.4050% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 3,133 |
| Loan loss allowance to noncurrent loans | 463.4703% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 6,814 |
| Noncurrent loans to loans | 0.3713% | 6,310 |
| Net loans and leases to total assets | 38.0017% | 7,069 |
| Net loans and leases to deposits | 42.9521% | 7,150 |
| Net loans and leases to core deposits | 45.7122% | 7,150 |
| Total domestic deposits to total assets | 88.4747% | 1,962 |
| Equity capital to assets | 10.1468% | 3,560 |
| Core capital (leverage) ratio | 9.7906% | 3,330 |
| Tier 1 risk-based capital ratio | 17.8159% | 2,059 |
| Total risk-based capital ratio | 19.0471% | 2,026 |
| Memoranda: | ||
| Average total assets | $297,483,200 | 2,165 |
| Average earning assets | $280,088,200 | 2,105 |
| Average equity | $30,528,000 | 2,142 |
| Average total loans | $109,754,000 | 3,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 7,001 |
| Cost of funding earning assets | 0.9206% | 6,308 |
| Net interest margin | 3.3497% | 5,846 |
| Noninterest income to average assets | 0.6108% | 3,375 |
| Noninterest expense to average assets | 2.4182% | 5,976 |
| Loan and lease loss provision to assets | 0.2855% | 4,286 |
| Net operating income to assets | 1.0600% | 2,039 |
| Return on assets (ROA) | 1.2504% | 1,544 |
| Pretax return on assets | 1.2504% | 2,330 |
| Return on Equity (ROE) | 12.1494% | 1,460 |
| Retained earnings to average equity (ytd only) | 8.3363% | 1,298 |
| Net charge-offs to loans | 0.1065% | 5,479 |
| Credit loss provision to net charge-offs | 736.0465% | 407 |
| Earnings coverage of net charge-offs (x) | 34.6872% | 775 |
| Efficiency ratio | 64.2498% | 5,201 |
| Assets per employee ($millions) | 4.1695% | 3,502 |
| Cash dividends to net income (ytd only)* | 31.3852% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 2,532 |
| Loan loss allowance to noncurrent loans | 228.0911% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 6,549 |
| Noncurrent loans to loans | 0.8259% | 5,566 |
| Net loans and leases to total assets | 37.0003% | 7,228 |
| Net loans and leases to deposits | 41.5968% | 7,318 |
| Net loans and leases to core deposits | 41.5968% | 7,391 |
| Total domestic deposits to total assets | 88.9499% | 1,416 |
| Equity capital to assets | 10.6674% | 3,331 |
| Core capital (leverage) ratio | 9.6235% | 3,728 |
| Tier 1 risk-based capital ratio | 18.1820% | 1,974 |
| Total risk-based capital ratio | 19.4329% | 1,931 |
| Memoranda: | ||
| Average total assets | $295,578,500 | 2,213 |
| Average earning assets | $278,223,000 | 2,161 |
| Average equity | $30,420,500 | 2,165 |
| Average total loans | $107,699,000 | 3,642 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 6,998 |
| Cost of funding earning assets | 0.9501% | 6,376 |
| Net interest margin | 3.3809% | 5,711 |
| Noninterest income to average assets | 0.5985% | 3,343 |
| Noninterest expense to average assets | 2.3207% | 6,300 |
| Loan and lease loss provision to assets | 0.1632% | 5,255 |
| Net operating income to assets | 1.2971% | 1,317 |
| Return on assets (ROA) | 1.2050% | 1,617 |
| Pretax return on assets | 1.2050% | 2,401 |
| Return on Equity (ROE) | 11.8531% | 1,490 |
| Retained earnings to average equity (ytd only) | 8.8898% | 1,137 |
| Net charge-offs to loans | 0.1466% | 4,765 |
| Credit loss provision to net charge-offs | 308.9744% | 1,185 |
| Earnings coverage of net charge-offs (x) | 27.6538% | 971 |
| Efficiency ratio | 61.3787% | 5,796 |
| Assets per employee ($millions) | 4.0825% | 3,603 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 3,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 37.0933% | 7,312 |
| Net loans and leases to deposits | 42.0120% | 7,394 |
| Net loans and leases to core deposits | 42.0120% | 7,453 |
| Total domestic deposits to total assets | 88.2922% | 1,831 |
| Equity capital to assets | 10.6443% | 3,226 |
| Core capital (leverage) ratio | 9.5786% | 3,702 |
| Tier 1 risk-based capital ratio | 18.1647% | 1,915 |
| Total risk-based capital ratio | 19.2753% | 1,921 |
| Memoranda: | ||
| Average total assets | $295,427,000 | 2,229 |
| Average earning assets | $278,090,000 | 2,171 |
| Average equity | $30,034,330 | 2,187 |
| Average total loans | $106,386,670 | 3,706 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3470% | 7,071 |
| Cost of funding earning assets | 0.9907% | 6,419 |
| Net interest margin | 3.3563% | 5,762 |
| Noninterest income to average assets | 0.5591% | 3,575 |
| Noninterest expense to average assets | 2.3446% | 6,267 |
| Loan and lease loss provision to assets | 0.1607% | 4,921 |
| Net operating income to assets | 1.2155% | 1,496 |
| Return on assets (ROA) | 1.0048% | 2,227 |
| Pretax return on assets | 1.0048% | 3,077 |
| Return on Equity (ROE) | 10.1199% | 2,060 |
| Retained earnings to average equity (ytd only) | 10.1199% | 1,113 |
| Net charge-offs to loans | 0.2533% | 3,427 |
| Credit loss provision to net charge-offs | 180.3030% | 2,030 |
| Earnings coverage of net charge-offs (x) | 15.4394% | 1,380 |
| Efficiency ratio | 63.0127% | 5,661 |
| Assets per employee ($millions) | 4.0506% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 35.4823% | 7,443 |
| Net loans and leases to deposits | 39.6270% | 7,530 |
| Net loans and leases to core deposits | 39.6270% | 7,587 |
| Total domestic deposits to total assets | 89.5408% | 1,215 |
| Equity capital to assets | 10.1755% | 3,636 |
| Core capital (leverage) ratio | 9.2291% | 4,172 |
| Tier 1 risk-based capital ratio | 17.9222% | 1,960 |
| Total risk-based capital ratio | 18.9699% | 1,991 |
| Memoranda: | ||
| Average total assets | $296,170,500 | 2,267 |
| Average earning assets | $278,994,000 | 2,215 |
| Average equity | $29,407,500 | 2,250 |
| Average total loans | $104,204,500 | 3,821 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 7,153 |
| Cost of funding earning assets | 1.3136% | 6,263 |
| Net interest margin | 3.3769% | 5,457 |
| Noninterest income to average assets | 0.6683% | 3,168 |
| Noninterest expense to average assets | 2.7238% | 5,279 |
| Loan and lease loss provision to assets | 0.1656% | 6,034 |
| Net operating income to assets | 0.9412% | 2,044 |
| Return on assets (ROA) | 0.9566% | 2,042 |
| Pretax return on assets | 0.9566% | 2,742 |
| Return on Equity (ROE) | 9.5758% | 1,829 |
| Retained earnings to average equity (ytd only) | 3.9229% | 2,465 |
| Net charge-offs to loans | 0.1767% | 5,535 |
| Credit loss provision to net charge-offs | 267.0520% | 1,309 |
| Earnings coverage of net charge-offs (x) | 17.8439% | 1,164 |
| Efficiency ratio | 64.2082% | 5,738 |
| Assets per employee ($millions) | 4.0088% | 3,802 |
| Cash dividends to net income (ytd only)* | 59.0330% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,593 |
| Loan loss allowance to noncurrent loans | 1,306.7227% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 7,411 |
| Noncurrent loans to loans | 0.1168% | 7,127 |
| Net loans and leases to total assets | 33.8200% | 7,596 |
| Net loans and leases to deposits | 37.5332% | 7,693 |
| Net loans and leases to core deposits | 45.4777% | 7,679 |
| Total domestic deposits to total assets | 90.1069% | 912 |
| Equity capital to assets | 9.6838% | 4,159 |
| Core capital (leverage) ratio | 9.3289% | 3,932 |
| Tier 1 risk-based capital ratio | 17.5656% | 2,009 |
| Total risk-based capital ratio | 18.5856% | 2,032 |
| Memoranda: | ||
| Average total assets | $278,910,800 | 2,358 |
| Average earning assets | $261,188,400 | 2,318 |
| Average equity | $27,862,000 | 2,388 |
| Average total loans | $97,891,800 | 4,009 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 7,143 |
| Cost of funding earning assets | 1.3876% | 6,284 |
| Net interest margin | 3.4007% | 5,259 |
| Noninterest income to average assets | 0.6937% | 3,060 |
| Noninterest expense to average assets | 2.8135% | 4,832 |
| Loan and lease loss provision to assets | 0.1749% | 5,611 |
| Net operating income to assets | 0.8851% | 2,472 |
| Return on assets (ROA) | 0.9040% | 2,478 |
| Pretax return on assets | 0.9040% | 3,214 |
| Return on Equity (ROE) | 8.9752% | 2,269 |
| Retained earnings to average equity (ytd only) | 4.1524% | 2,961 |
| Net charge-offs to loans | 0.2656% | 4,383 |
| Credit loss provision to net charge-offs | 186.5285% | 2,443 |
| Earnings coverage of net charge-offs (x) | 11.3056% | 1,866 |
| Efficiency ratio | 63.3935% | 5,858 |
| Assets per employee ($millions) | 3.8402% | 4,100 |
| Cash dividends to net income (ytd only)* | 53.7346% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 3,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 34.2951% | 7,681 |
| Net loans and leases to deposits | 38.3503% | 7,777 |
| Net loans and leases to core deposits | 46.7138% | 7,756 |
| Total domestic deposits to total assets | 89.4259% | 1,009 |
| Equity capital to assets | 10.2187% | 3,829 |
| Core capital (leverage) ratio | 9.4165% | 4,027 |
| Tier 1 risk-based capital ratio | 17.8188% | 2,045 |
| Total risk-based capital ratio | 18.7807% | 2,076 |
| Memoranda: | ||
| Average total assets | $274,476,000 | 2,396 |
| Average earning assets | $256,643,500 | 2,370 |
| Average equity | $27,645,750 | 2,419 |
| Average total loans | $96,894,250 | 4,064 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 7,115 |
| Cost of funding earning assets | 1.4267% | 6,392 |
| Net interest margin | 3.4339% | 5,051 |
| Noninterest income to average assets | 0.6946% | 3,023 |
| Noninterest expense to average assets | 3.0887% | 3,745 |
| Loan and lease loss provision to assets | 0.1401% | 5,674 |
| Net operating income to assets | 0.6673% | 3,400 |
| Return on assets (ROA) | 0.7477% | 3,160 |
| Pretax return on assets | 0.7477% | 3,839 |
| Return on Equity (ROE) | 7.4610% | 3,001 |
| Retained earnings to average equity (ytd only) | 3.2302% | 3,520 |
| Net charge-offs to loans | 0.3575% | 3,397 |
| Credit loss provision to net charge-offs | 110.4651% | 4,191 |
| Earnings coverage of net charge-offs (x) | 6.3663% | 2,635 |
| Efficiency ratio | 65.3293% | 5,654 |
| Assets per employee ($millions) | 3.8886% | 3,896 |
| Cash dividends to net income (ytd only)* | 56.7061% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 7,418 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.1509% | 7,736 |
| Net loans and leases to deposits | 39.1025% | 7,837 |
| Net loans and leases to core deposits | 47.8388% | 7,800 |
| Total domestic deposits to total assets | 89.8941% | 869 |
| Equity capital to assets | 9.7048% | 4,344 |
| Core capital (leverage) ratio | 9.4808% | 3,921 |
| Tier 1 risk-based capital ratio | 17.3571% | 2,192 |
| Total risk-based capital ratio | 18.2102% | 2,268 |
| Memoranda: | ||
| Average total assets | $271,243,000 | 2,435 |
| Average earning assets | $252,887,330 | 2,416 |
| Average equity | $27,181,330 | 2,459 |
| Average total loans | $96,228,670 | 4,108 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9297% | 7,106 |
| Cost of funding earning assets | 1.4276% | 6,642 |
| Net interest margin | 3.5021% | 4,726 |
| Noninterest income to average assets | 0.6355% | 3,307 |
| Noninterest expense to average assets | 2.9482% | 3,984 |
| Loan and lease loss provision to assets | 0.0899% | 5,813 |
| Net operating income to assets | 0.8588% | 2,880 |
| Return on assets (ROA) | 0.8408% | 3,096 |
| Pretax return on assets | 0.8408% | 3,927 |
| Return on Equity (ROE) | 8.2541% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.2541% | 1,726 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5000% | 5,780 |
| Assets per employee ($millions) | 3.7831% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 3,642 |
| Loan loss allowance to noncurrent loans | 839.2405% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 6,899 |
| Noncurrent loans to loans | 0.1637% | 7,061 |
| Net loans and leases to total assets | 35.4315% | 7,752 |
| Net loans and leases to deposits | 39.6211% | 7,847 |
| Net loans and leases to core deposits | 48.8941% | 7,813 |
| Total domestic deposits to total assets | 89.4259% | 1,042 |
| Equity capital to assets | 10.2498% | 3,711 |
| Core capital (leverage) ratio | 9.8423% | 3,586 |
| Tier 1 risk-based capital ratio | 18.0569% | 2,040 |
| Total risk-based capital ratio | 18.9841% | 2,065 |
| Memoranda: | ||
| Average total assets | $266,876,500 | 2,488 |
| Average earning assets | $248,536,500 | 2,462 |
| Average equity | $27,186,500 | 2,476 |
| Average total loans | $94,494,000 | 4,193 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6693% | 6,867 |
| Cost of funding earning assets | 1.8710% | 6,823 |
| Net interest margin | 3.7983% | 4,027 |
| Noninterest income to average assets | 0.7111% | 3,047 |
| Noninterest expense to average assets | 2.9914% | 4,103 |
| Loan and lease loss provision to assets | 0.1173% | 5,870 |
| Net operating income to assets | 1.1223% | 2,062 |
| Return on assets (ROA) | 1.0831% | 2,131 |
| Pretax return on assets | 1.0831% | 3,078 |
| Return on Equity (ROE) | 10.7728% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.2300% | 1,895 |
| Net charge-offs to loans | 0.1169% | 5,093 |
| Credit loss provision to net charge-offs | 287.6190% | 1,577 |
| Earnings coverage of net charge-offs (x) | 30.4000% | 1,163 |
| Efficiency ratio | 59.1097% | 6,514 |
| Assets per employee ($millions) | 3.7879% | 3,984 |
| Cash dividends to net income (ytd only)* | 51.4521% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 3,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 6,846 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 34.4054% | 7,881 |
| Net loans and leases to deposits | 38.3931% | 7,968 |
| Net loans and leases to core deposits | 45.8609% | 7,969 |
| Total domestic deposits to total assets | 89.6135% | 802 |
| Equity capital to assets | 10.1232% | 3,894 |
| Core capital (leverage) ratio | 9.6259% | 3,851 |
| Tier 1 risk-based capital ratio | 17.5357% | 2,169 |
| Total risk-based capital ratio | 18.4256% | 2,210 |
| Memoranda: | ||
| Average total assets | $257,503,800 | 2,487 |
| Average earning assets | $238,636,200 | 2,468 |
| Average equity | $25,889,200 | 2,568 |
| Average total loans | $89,858,600 | 4,228 |