Home > First-Lockhart National Bank > Performance and Condition Ratios
First-Lockhart 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 | 4.7991% | 2,476 |
| Cost of funding earning assets | 1.3521% | 2,353 |
| Net interest margin | 3.4470% | 2,308 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 3.0219% | 1,099 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3953% | 3,883 |
| Return on assets (ROA) | 0.3953% | 3,870 |
| Pretax return on assets | 0.4778% | 3,851 |
| Return on Equity (ROE) | 4.7900% | 3,761 |
| Retained earnings to average equity (ytd only) | 2.2102% | 3,532 |
| Net charge-offs to loans | 0.0053% | 2,520 |
| Credit loss provision to net charge-offs | 278.5714% | 1,003 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 779 |
| Efficiency ratio | 86.0913% | 554 |
| Assets per employee ($millions) | 6.7203% | 2,258 |
| Cash dividends to net income (ytd only)* | 53.8721% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,299 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,408 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 69.9300% | 1,816 |
| Net loans and leases to deposits | 76.8880% | 2,365 |
| Net loans and leases to core deposits | 84.4716% | 2,420 |
| Total domestic deposits to total assets | 90.9500% | 521 |
| Equity capital to assets | 8.3786% | 3,135 |
| Core capital (leverage) ratio | 9.0848% | 3,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5253% | 1,676 |
| Memoranda: | ||
| Average total assets | $375,660,600 | 2,094 |
| Average earning assets | $346,041,600 | 2,109 |
| Average equity | $30,992,600 | 2,221 |
| Average total loans | $263,653,600 | 1,943 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 2,458 |
| Cost of funding earning assets | 1.2062% | 2,414 |
| Net interest margin | 3.5007% | 2,207 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 3.0282% | 1,033 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4444% | 3,882 |
| Return on assets (ROA) | 0.4444% | 3,881 |
| Pretax return on assets | 0.5425% | 3,839 |
| Return on Equity (ROE) | 5.4100% | 3,744 |
| Retained earnings to average equity (ytd only) | 1.9359% | 3,737 |
| Net charge-offs to loans | 0.0066% | 2,199 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 120.0000% | 843 |
| Efficiency ratio | 84.4776% | 585 |
| Assets per employee ($millions) | 6.6164% | 2,235 |
| Cash dividends to net income (ytd only)* | 64.2055% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,302 |
| Loan loss allowance to noncurrent loans | 1,972.1212% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 2,187 |
| Noncurrent loans to loans | 0.0614% | 3,315 |
| Net loans and leases to total assets | 70.3700% | 1,781 |
| Net loans and leases to deposits | 77.2363% | 2,311 |
| Net loans and leases to core deposits | 84.3636% | 2,306 |
| Total domestic deposits to total assets | 91.1100% | 644 |
| Equity capital to assets | 8.2202% | 2,905 |
| Core capital (leverage) ratio | 9.2558% | 3,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2712% | 1,800 |
| Memoranda: | ||
| Average total assets | $373,811,000 | 2,112 |
| Average earning assets | $344,530,500 | 2,113 |
| Average equity | $30,717,000 | 2,218 |
| Average total loans | $261,782,750 | 1,955 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 2,265 |
| Cost of funding earning assets | 1.0522% | 2,450 |
| Net interest margin | 3.6191% | 1,992 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 3.0367% | 984 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4728% | 3,868 |
| Return on assets (ROA) | 0.4728% | 3,870 |
| Pretax return on assets | 0.5774% | 3,836 |
| Return on Equity (ROE) | 5.7500% | 3,747 |
| Retained earnings to average equity (ytd only) | 1.3650% | 3,849 |
| Net charge-offs to loans | 0.0031% | 2,224 |
| Credit loss provision to net charge-offs | 975.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 278.7500% | 481 |
| Efficiency ratio | 83.5400% | 621 |
| Assets per employee ($millions) | 6.4459% | 2,334 |
| Cash dividends to net income (ytd only)* | 76.2770% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,299 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1766% | 2,314 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.4000% | 1,594 |
| Net loans and leases to deposits | 78.4748% | 2,093 |
| Net loans and leases to core deposits | 84.4989% | 2,181 |
| Total domestic deposits to total assets | 90.9800% | 657 |
| Equity capital to assets | 8.3859% | 2,961 |
| Core capital (leverage) ratio | 9.2749% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5244% | 1,717 |
| Memoranda: | ||
| Average total assets | $372,703,667 | 2,113 |
| Average earning assets | $343,287,333 | 2,126 |
| Average equity | $30,622,333 | 2,237 |
| Average total loans | $259,492,000 | 1,960 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 2,233 |
| Cost of funding earning assets | 0.9384% | 2,248 |
| Net interest margin | 3.5973% | 2,139 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.9200% | 1,198 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5264% | 3,834 |
| Return on assets (ROA) | 0.5264% | 3,794 |
| Pretax return on assets | 0.6447% | 3,766 |
| Return on Equity (ROE) | 6.4700% | 3,634 |
| Retained earnings to average equity (ytd only) | 0.7075% | 3,907 |
| Net charge-offs to loans | 0.0062% | 1,725 |
| Credit loss provision to net charge-offs | 975.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 161.0000% | 588 |
| Efficiency ratio | 80.9693% | 767 |
| Assets per employee ($millions) | 6.6595% | 2,227 |
| Cash dividends to net income (ytd only)* | 89.0688% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,222 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 2,287 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.3700% | 1,795 |
| Net loans and leases to deposits | 75.0814% | 2,199 |
| Net loans and leases to core deposits | 78.9975% | 2,319 |
| Total domestic deposits to total assets | 91.0600% | 782 |
| Equity capital to assets | 8.2402% | 3,084 |
| Core capital (leverage) ratio | 8.8948% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7764% | 1,691 |
| Memoranda: | ||
| Average total assets | $375,348,500 | 2,128 |
| Average earning assets | $345,259,500 | 2,144 |
| Average equity | $30,528,000 | 2,271 |
| Average total loans | $256,446,000 | 1,998 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 1,761 |
| Cost of funding earning assets | 0.3061% | 2,826 |
| Net interest margin | 3.6732% | 1,446 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.7945% | 1,326 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.7228% | 3,557 |
| Return on assets (ROA) | 0.7228% | 3,498 |
| Pretax return on assets | 0.8980% | 3,361 |
| Return on Equity (ROE) | 9.0800% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.0711% | 3,020 |
| Net charge-offs to loans | 0.0021% | 2,457 |
| Credit loss provision to net charge-offs | 3,120.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 722.2000% | 248 |
| Efficiency ratio | 74.8590% | 1,131 |
| Assets per employee ($millions) | 6.7458% | 2,158 |
| Cash dividends to net income (ytd only)* | 44.1568% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,060 |
| Loan loss allowance to noncurrent loans | 18,988.2353% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 2,432 |
| Noncurrent loans to loans | 0.0067% | 3,815 |
| Net loans and leases to total assets | 66.5600% | 1,971 |
| Net loans and leases to deposits | 73.0060% | 2,326 |
| Net loans and leases to core deposits | 75.7416% | 2,439 |
| Total domestic deposits to total assets | 91.1700% | 888 |
| Equity capital to assets | 8.0277% | 3,047 |
| Core capital (leverage) ratio | 9.0643% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8847% | 1,666 |
| Memoranda: | ||
| Average total assets | $384,749,200 | 2,085 |
| Average earning assets | $355,709,000 | 2,088 |
| Average equity | $30,624,800 | 2,308 |
| Average total loans | $238,691,200 | 2,009 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 1,805 |
| Cost of funding earning assets | 0.2141% | 3,101 |
| Net interest margin | 3.5690% | 1,462 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.7553% | 1,333 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7086% | 3,543 |
| Return on assets (ROA) | 0.7086% | 3,497 |
| Pretax return on assets | 0.8821% | 3,371 |
| Return on Equity (ROE) | 8.9200% | 3,051 |
| Retained earnings to average equity (ytd only) | 4.4212% | 3,319 |
| Net charge-offs to loans | 0.0034% | 2,101 |
| Credit loss provision to net charge-offs | 1,950.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 445.6667% | 349 |
| Efficiency ratio | 74.9179% | 1,181 |
| Assets per employee ($millions) | 6.5454% | 2,283 |
| Cash dividends to net income (ytd only)* | 50.4382% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 1,994 |
| Loan loss allowance to noncurrent loans | 201.7078% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,286 |
| Noncurrent loans to loans | 0.6483% | 1,258 |
| Net loans and leases to total assets | 64.5100% | 2,036 |
| Net loans and leases to deposits | 70.5910% | 2,314 |
| Net loans and leases to core deposits | 72.6700% | 2,437 |
| Total domestic deposits to total assets | 91.3900% | 1,082 |
| Equity capital to assets | 7.9027% | 2,958 |
| Core capital (leverage) ratio | 8.5576% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7009% | 1,503 |
| Memoranda: | ||
| Average total assets | $386,494,750 | 2,094 |
| Average earning assets | $357,999,750 | 2,086 |
| Average equity | $30,699,500 | 2,337 |
| Average total loans | $234,698,250 | 2,031 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 1,855 |
| Cost of funding earning assets | 0.1915% | 3,028 |
| Net interest margin | 3.4051% | 1,587 |
| Noninterest income to average assets | 0.4011% | 2,752 |
| Noninterest expense to average assets | 2.6821% | 1,432 |
| Loan and lease loss provision to assets | 0.0399% | 1,866 |
| Net operating income to assets | 0.6712% | 3,413 |
| Return on assets (ROA) | 0.6712% | 3,360 |
| Pretax return on assets | 0.8349% | 3,240 |
| Return on Equity (ROE) | 8.4360% | 2,886 |
| Retained earnings to average equity (ytd only) | 3.8837% | 3,125 |
| Net charge-offs to loans | 0.0035% | 1,927 |
| Credit loss provision to net charge-offs | 1,950.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 427.5000% | 293 |
| Efficiency ratio | 75.4063% | 1,345 |
| Assets per employee ($millions) | 6.7539% | 2,115 |
| Cash dividends to net income (ytd only)* | 53.9634% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,055 |
| Loan loss allowance to noncurrent loans | 217.2295% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 1,512 |
| Noncurrent loans to loans | 0.6114% | 1,390 |
| Net loans and leases to total assets | 59.7799% | 2,347 |
| Net loans and leases to deposits | 65.0622% | 2,635 |
| Net loans and leases to core deposits | 66.9648% | 2,744 |
| Total domestic deposits to total assets | 91.8811% | 887 |
| Equity capital to assets | 7.5366% | 3,447 |
| Core capital (leverage) ratio | 8.4099% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3253% | 1,619 |
| Memoranda: | ||
| Average total assets | $390,963,000 | 2,086 |
| Average earning assets | $362,339,000 | 2,094 |
| Average equity | $31,104,667 | 2,364 |
| Average total loans | $231,641,333 | 2,045 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 1,665 |
| Cost of funding earning assets | 0.1854% | 3,006 |
| Net interest margin | 3.3567% | 1,421 |
| Noninterest income to average assets | 0.3830% | 2,794 |
| Noninterest expense to average assets | 2.6535% | 1,470 |
| Loan and lease loss provision to assets | 0.0399% | 1,639 |
| Net operating income to assets | 0.6462% | 3,242 |
| Return on assets (ROA) | 0.6462% | 3,222 |
| Pretax return on assets | 0.8039% | 3,101 |
| Return on Equity (ROE) | 7.9133% | 2,721 |
| Retained earnings to average equity (ytd only) | 3.5491% | 3,101 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8712% | 1,541 |
| Assets per employee ($millions) | 6.6168% | 2,281 |
| Cash dividends to net income (ytd only)* | 55.1506% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,241 |
| Loan loss allowance to noncurrent loans | 200.7727% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 1,511 |
| Noncurrent loans to loans | 0.6598% | 1,437 |
| Net loans and leases to total assets | 59.4971% | 2,115 |
| Net loans and leases to deposits | 65.0174% | 2,428 |
| Net loans and leases to core deposits | 66.7339% | 2,559 |
| Total domestic deposits to total assets | 91.5095% | 802 |
| Equity capital to assets | 7.9608% | 3,601 |
| Core capital (leverage) ratio | 8.4377% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1416% | 1,753 |
| Memoranda: | ||
| Average total assets | $390,581,000 | 2,093 |
| Average earning assets | $362,376,000 | 2,102 |
| Average equity | $31,895,500 | 2,390 |
| Average total loans | $228,799,000 | 2,052 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2498% | 3,345 |
| Cost of funding earning assets | 0.2695% | 2,709 |
| Net interest margin | 2.9803% | 3,249 |
| Noninterest income to average assets | 0.7540% | 1,583 |
| Noninterest expense to average assets | 2.5222% | 2,117 |
| Loan and lease loss provision to assets | 0.0159% | 2,764 |
| Net operating income to assets | 0.7698% | 3,421 |
| Return on assets (ROA) | 0.7698% | 3,488 |
| Pretax return on assets | 0.9505% | 3,376 |
| Return on Equity (ROE) | 8.7857% | 2,986 |
| Retained earnings to average equity (ytd only) | 5.1654% | 2,721 |
| Net charge-offs to loans | -0.0030% | 3,436 |
| Credit loss provision to net charge-offs | -933.3333% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2984% | 1,478 |
| Assets per employee ($millions) | 7.2400% | 1,769 |
| Cash dividends to net income (ytd only)* | 41.2068% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,973 |
| 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 | 56.0497% | 2,602 |
| Net loans and leases to deposits | 61.6209% | 2,922 |
| Net loans and leases to core deposits | 63.7130% | 3,006 |
| Total domestic deposits to total assets | 90.9589% | 506 |
| Equity capital to assets | 8.3911% | 4,120 |
| Core capital (leverage) ratio | 8.3445% | 4,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7745% | 1,587 |
| Memoranda: | ||
| Average total assets | $353,070,000 | 2,181 |
| Average earning assets | $323,959,400 | 2,213 |
| Average equity | $30,936,600 | 2,477 |
| Average total loans | $199,935,200 | 2,232 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2588% | 3,489 |
| Cost of funding earning assets | 0.2981% | 2,608 |
| Net interest margin | 2.9607% | 3,416 |
| Noninterest income to average assets | 0.8044% | 1,513 |
| Noninterest expense to average assets | 2.5684% | 1,931 |
| Loan and lease loss provision to assets | 0.0058% | 2,857 |
| Net operating income to assets | 0.7582% | 3,633 |
| Return on assets (ROA) | 0.7582% | 3,695 |
| Pretax return on assets | 0.9352% | 3,619 |
| Return on Equity (ROE) | 8.5505% | 3,241 |
| Retained earnings to average equity (ytd only) | 5.2598% | 3,118 |
| Net charge-offs to loans | -0.0034% | 3,335 |
| Credit loss provision to net charge-offs | -300.0000% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1866% | 1,288 |
| Assets per employee ($millions) | 7.0166% | 1,857 |
| Cash dividends to net income (ytd only)* | 38.4852% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 1,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 54.3346% | 2,934 |
| Net loans and leases to deposits | 59.7652% | 3,251 |
| Net loans and leases to core deposits | 61.9812% | 3,325 |
| Total domestic deposits to total assets | 90.9135% | 399 |
| Equity capital to assets | 8.3382% | 4,315 |
| Core capital (leverage) ratio | 8.2930% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4675% | 1,809 |
| Memoranda: | ||
| Average total assets | $343,597,500 | 2,253 |
| Average earning assets | $313,930,250 | 2,280 |
| Average equity | $30,469,250 | 2,531 |
| Average total loans | $194,366,500 | 2,308 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3318% | 3,355 |
| Cost of funding earning assets | 0.3229% | 2,560 |
| Net interest margin | 3.0089% | 3,298 |
| Noninterest income to average assets | 0.7751% | 1,596 |
| Noninterest expense to average assets | 2.5855% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7577% | 3,621 |
| Return on assets (ROA) | 0.7577% | 3,688 |
| Pretax return on assets | 0.9337% | 3,587 |
| Return on Equity (ROE) | 8.3593% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.0842% | 3,153 |
| Net charge-offs to loans | -0.0010% | 3,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4694% | 1,288 |
| Assets per employee ($millions) | 6.7864% | 1,954 |
| Cash dividends to net income (ytd only)* | 39.1785% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,457 |
| Loan loss allowance to noncurrent loans | 604.6092% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 3,285 |
| Noncurrent loans to loans | 0.2545% | 3,026 |
| Net loans and leases to total assets | 55.7720% | 2,928 |
| Net loans and leases to deposits | 61.6846% | 3,234 |
| Net loans and leases to core deposits | 63.6140% | 3,321 |
| Total domestic deposits to total assets | 90.4147% | 593 |
| Equity capital to assets | 8.8248% | 3,951 |
| Core capital (leverage) ratio | 8.7393% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9241% | 1,658 |
| Memoranda: | ||
| Average total assets | $334,169,667 | 2,284 |
| Average earning assets | $304,758,000 | 2,324 |
| Average equity | $30,289,667 | 2,530 |
| Average total loans | $190,790,000 | 2,340 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3876% | 3,232 |
| Cost of funding earning assets | 0.3507% | 2,509 |
| Net interest margin | 3.0369% | 3,166 |
| Noninterest income to average assets | 0.8556% | 1,446 |
| Noninterest expense to average assets | 2.5643% | 1,979 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8544% | 3,255 |
| Return on assets (ROA) | 0.8544% | 3,339 |
| Pretax return on assets | 1.0567% | 3,221 |
| Return on Equity (ROE) | 9.2962% | 2,925 |
| Retained earnings to average equity (ytd only) | 5.7024% | 3,001 |
| Net charge-offs to loans | -0.0021% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8179% | 1,619 |
| Assets per employee ($millions) | 6.3388% | 2,303 |
| Cash dividends to net income (ytd only)* | 38.6591% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5864% | 1,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 56.7833% | 2,946 |
| Net loans and leases to deposits | 63.0818% | 3,213 |
| Net loans and leases to core deposits | 64.7546% | 3,344 |
| Total domestic deposits to total assets | 90.0154% | 808 |
| Equity capital to assets | 9.1721% | 3,517 |
| Core capital (leverage) ratio | 9.1049% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5296% | 1,419 |
| Memoranda: | ||
| Average total assets | $328,202,500 | 2,299 |
| Average earning assets | $298,856,500 | 2,339 |
| Average equity | $30,163,000 | 2,530 |
| Average total loans | $188,162,000 | 2,367 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8772% | 3,096 |
| Cost of funding earning assets | 0.6526% | 1,974 |
| Net interest margin | 3.2246% | 3,287 |
| Noninterest income to average assets | 0.6535% | 2,013 |
| Noninterest expense to average assets | 2.5940% | 2,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8225% | 3,004 |
| Return on assets (ROA) | 0.8225% | 3,128 |
| Pretax return on assets | 1.0152% | 2,995 |
| Return on Equity (ROE) | 8.8515% | 2,454 |
| Retained earnings to average equity (ytd only) | 5.4487% | 2,071 |
| Net charge-offs to loans | 0.0080% | 3,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 211.4667% | 450 |
| Efficiency ratio | 71.8720% | 1,696 |
| Assets per employee ($millions) | 6.2844% | 2,094 |
| Cash dividends to net income (ytd only)* | 38.4436% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 1,240 |
| Loan loss allowance to noncurrent loans | 1,409.3458% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 4,015 |
| Noncurrent loans to loans | 0.1150% | 3,827 |
| Net loans and leases to total assets | 56.0374% | 3,298 |
| Net loans and leases to deposits | 62.3003% | 3,583 |
| Net loans and leases to core deposits | 64.5295% | 3,656 |
| Total domestic deposits to total assets | 89.9473% | 587 |
| Equity capital to assets | 9.2088% | 3,880 |
| Core capital (leverage) ratio | 8.9996% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5818% | 1,384 |
| Memoranda: | ||
| Average total assets | $312,449,600 | 2,230 |
| Average earning assets | $286,395,400 | 2,252 |
| Average equity | $29,034,600 | 2,533 |
| Average total loans | $187,877,200 | 2,344 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 2,989 |
| Cost of funding earning assets | 0.7210% | 1,900 |
| Net interest margin | 3.2739% | 3,265 |
| Noninterest income to average assets | 0.6372% | 2,036 |
| Noninterest expense to average assets | 2.6453% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8111% | 3,049 |
| Return on assets (ROA) | 0.8111% | 3,169 |
| Pretax return on assets | 1.0006% | 3,070 |
| Return on Equity (ROE) | 8.7079% | 2,519 |
| Retained earnings to average equity (ytd only) | 5.3990% | 2,379 |
| Net charge-offs to loans | 0.0113% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 144.8750% | 618 |
| Efficiency ratio | 72.5551% | 1,573 |
| Assets per employee ($millions) | 6.1464% | 2,142 |
| Cash dividends to net income (ytd only)* | 37.9989% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 994 |
| Loan loss allowance to noncurrent loans | 463.1336% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,421 |
| Noncurrent loans to loans | 0.3548% | 3,018 |
| Net loans and leases to total assets | 56.4626% | 3,580 |
| Net loans and leases to deposits | 62.8226% | 3,879 |
| Net loans and leases to core deposits | 65.5040% | 3,922 |
| Total domestic deposits to total assets | 89.8763% | 467 |
| Equity capital to assets | 9.3165% | 3,848 |
| Core capital (leverage) ratio | 8.9574% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7862% | 1,307 |
| Memoranda: | ||
| Average total assets | $308,865,250 | 2,227 |
| Average earning assets | $283,853,500 | 2,249 |
| Average equity | $28,770,000 | 2,544 |
| Average total loans | $188,311,750 | 2,341 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1628% | 2,871 |
| Cost of funding earning assets | 0.7723% | 1,981 |
| Net interest margin | 3.3906% | 3,132 |
| Noninterest income to average assets | 0.6892% | 1,782 |
| Noninterest expense to average assets | 2.6736% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9192% | 2,629 |
| Return on assets (ROA) | 0.9192% | 2,747 |
| Pretax return on assets | 1.1393% | 2,582 |
| Return on Equity (ROE) | 9.8684% | 2,026 |
| Retained earnings to average equity (ytd only) | 6.4851% | 1,871 |
| Net charge-offs to loans | 0.0032% | 2,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 579.6667% | 176 |
| Efficiency ratio | 70.1203% | 1,938 |
| Assets per employee ($millions) | 6.1002% | 2,087 |
| Cash dividends to net income (ytd only)* | 34.2837% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 915 |
| Loan loss allowance to noncurrent loans | 602.1869% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1586% | 3,731 |
| Noncurrent loans to loans | 0.2727% | 3,408 |
| Net loans and leases to total assets | 57.1987% | 3,587 |
| Net loans and leases to deposits | 63.7785% | 3,899 |
| Net loans and leases to core deposits | 66.4933% | 3,956 |
| Total domestic deposits to total assets | 89.6834% | 498 |
| Equity capital to assets | 9.3286% | 3,802 |
| Core capital (leverage) ratio | 9.2134% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8840% | 1,272 |
| Memoranda: | ||
| Average total assets | $305,282,000 | 2,220 |
| Average earning assets | $281,250,000 | 2,241 |
| Average equity | $28,434,333 | 2,555 |
| Average total loans | $189,923,000 | 2,306 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 2,626 |
| Cost of funding earning assets | 0.8386% | 2,179 |
| Net interest margin | 3.5584% | 2,792 |
| Noninterest income to average assets | 0.6174% | 1,963 |
| Noninterest expense to average assets | 2.7770% | 2,493 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9087% | 2,492 |
| Return on assets (ROA) | 0.9087% | 2,600 |
| Pretax return on assets | 1.1292% | 2,425 |
| Return on Equity (ROE) | 9.7645% | 1,820 |
| Retained earnings to average equity (ytd only) | 6.4044% | 1,749 |
| Net charge-offs to loans | -0.0021% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0913% | 2,202 |
| Assets per employee ($millions) | 5.4557% | 2,169 |
| Cash dividends to net income (ytd only)* | 34.4118% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,074 |
| Loan loss allowance to noncurrent loans | 3,887.1795% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,489 |
| Noncurrent loans to loans | 0.0411% | 4,390 |
| Net loans and leases to total assets | 63.3551% | 3,139 |
| Net loans and leases to deposits | 70.7008% | 3,542 |
| Net loans and leases to core deposits | 73.9130% | 3,640 |
| Total domestic deposits to total assets | 89.6102% | 442 |
| Equity capital to assets | 9.5643% | 4,161 |
| Core capital (leverage) ratio | 9.5724% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5064% | 1,468 |
| Memoranda: | ||
| Average total assets | $299,319,000 | 2,214 |
| Average earning assets | $276,644,000 | 2,217 |
| Average equity | $27,856,000 | 2,590 |
| Average total loans | $192,650,500 | 2,235 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 2,535 |
| Cost of funding earning assets | 0.9875% | 1,777 |
| Net interest margin | 3.6380% | 3,006 |
| Noninterest income to average assets | 0.7267% | 1,717 |
| Noninterest expense to average assets | 3.0233% | 1,959 |
| Loan and lease loss provision to assets | 0.0289% | 3,435 |
| Net operating income to assets | 0.8369% | 3,425 |
| Return on assets (ROA) | 0.8378% | 3,514 |
| Pretax return on assets | 1.0318% | 3,381 |
| Return on Equity (ROE) | 8.8155% | 2,839 |
| Retained earnings to average equity (ytd only) | 5.2179% | 2,302 |
| Net charge-offs to loans | 0.0057% | 3,474 |
| Credit loss provision to net charge-offs | 727.2727% | 436 |
| Earnings coverage of net charge-offs (x) | 267.0909% | 313 |
| Efficiency ratio | 74.0482% | 1,595 |
| Assets per employee ($millions) | 5.2419% | 2,294 |
| Cash dividends to net income (ytd only)* | 40.8093% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 1,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,092 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 63.3453% | 3,272 |
| Net loans and leases to deposits | 70.3065% | 3,643 |
| Net loans and leases to core deposits | 73.5593% | 3,753 |
| Total domestic deposits to total assets | 90.0987% | 295 |
| Equity capital to assets | 9.0566% | 4,655 |
| Core capital (leverage) ratio | 9.4413% | 4,123 |
| Tier 1 risk-based capital ratio | 14.0961% | 3,218 |
| Total risk-based capital ratio | 15.3497% | 3,130 |
| Memoranda: | ||
| Average total assets | $277,281,200 | 2,288 |
| Average earning assets | $255,802,200 | 2,296 |
| Average equity | $26,351,400 | 2,606 |
| Average total loans | $193,944,400 | 2,208 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 2,412 |
| Cost of funding earning assets | 1.0042% | 1,748 |
| Net interest margin | 3.6980% | 2,931 |
| Noninterest income to average assets | 0.7509% | 1,591 |
| Noninterest expense to average assets | 3.1146% | 1,684 |
| Loan and lease loss provision to assets | 0.0394% | 3,116 |
| Net operating income to assets | 0.8143% | 3,628 |
| Return on assets (ROA) | 0.8155% | 3,705 |
| Pretax return on assets | 1.0042% | 3,585 |
| Return on Equity (ROE) | 8.4689% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.7539% | 3,026 |
| Net charge-offs to loans | 0.0083% | 3,075 |
| Credit loss provision to net charge-offs | 666.6667% | 499 |
| Earnings coverage of net charge-offs (x) | 176.2456% | 486 |
| Efficiency ratio | 74.9289% | 1,453 |
| Assets per employee ($millions) | 4.7397% | 2,862 |
| Cash dividends to net income (ytd only)* | 43.8673% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,130 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.2036% | 2,437 |
| Net loans and leases to deposits | 78.7025% | 3,036 |
| Net loans and leases to core deposits | 84.7057% | 3,024 |
| Total domestic deposits to total assets | 89.2012% | 552 |
| Equity capital to assets | 9.8315% | 4,182 |
| Core capital (leverage) ratio | 9.8962% | 3,739 |
| Tier 1 risk-based capital ratio | 14.2168% | 3,214 |
| Total risk-based capital ratio | 15.4710% | 3,117 |
| Memoranda: | ||
| Average total assets | $270,593,500 | 2,343 |
| Average earning assets | $249,208,250 | 2,358 |
| Average equity | $26,055,500 | 2,638 |
| Average total loans | $193,525,250 | 2,230 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 2,542 |
| Cost of funding earning assets | 0.9696% | 1,829 |
| Net interest margin | 3.6708% | 3,030 |
| Noninterest income to average assets | 0.7215% | 1,632 |
| Noninterest expense to average assets | 3.1535% | 1,609 |
| Loan and lease loss provision to assets | 0.0446% | 2,931 |
| Net operating income to assets | 0.7398% | 3,869 |
| Return on assets (ROA) | 0.7416% | 3,922 |
| Pretax return on assets | 0.9125% | 3,807 |
| Return on Equity (ROE) | 7.7570% | 3,400 |
| Retained earnings to average equity (ytd only) | 4.1661% | 3,164 |
| Net charge-offs to loans | 0.0156% | 2,585 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 772 |
| Efficiency ratio | 76.7589% | 1,304 |
| Assets per employee ($millions) | 4.7384% | 2,821 |
| Cash dividends to net income (ytd only)* | 46.2926% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 1,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,137 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.4007% | 2,303 |
| Net loans and leases to deposits | 80.1714% | 2,932 |
| Net loans and leases to core deposits | 85.9444% | 2,966 |
| Total domestic deposits to total assets | 89.0601% | 643 |
| Equity capital to assets | 10.0083% | 3,972 |
| Core capital (leverage) ratio | 9.9983% | 3,585 |
| Tier 1 risk-based capital ratio | 14.3802% | 3,128 |
| Total risk-based capital ratio | 15.6350% | 3,041 |
| Memoranda: | ||
| Average total assets | $269,157,330 | 2,360 |
| Average earning assets | $248,340,000 | 2,371 |
| Average equity | $25,731,670 | 2,656 |
| Average total loans | $192,693,670 | 2,243 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 2,573 |
| Cost of funding earning assets | 0.9555% | 1,765 |
| Net interest margin | 3.6330% | 3,125 |
| Noninterest income to average assets | 0.6862% | 1,662 |
| Noninterest expense to average assets | 3.1727% | 1,567 |
| Loan and lease loss provision to assets | 0.0443% | 2,752 |
| Net operating income to assets | 0.6626% | 4,052 |
| Return on assets (ROA) | 0.6626% | 4,090 |
| Pretax return on assets | 0.8190% | 3,998 |
| Return on Equity (ROE) | 7.0935% | 3,639 |
| Retained earnings to average equity (ytd only) | 3.4441% | 3,535 |
| Net charge-offs to loans | 0.0290% | 1,879 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 41.7857% | 1,124 |
| Efficiency ratio | 78.6106% | 1,206 |
| Assets per employee ($millions) | 4.3425% | 3,427 |
| Cash dividends to net income (ytd only)* | 51.4477% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 1,140 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 4,204 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.5108% | 2,555 |
| Net loans and leases to deposits | 77.8175% | 3,080 |
| Net loans and leases to core deposits | 83.2483% | 3,089 |
| Total domestic deposits to total assets | 89.3254% | 719 |
| Equity capital to assets | 9.5362% | 4,224 |
| Core capital (leverage) ratio | 9.6319% | 3,993 |
| Tier 1 risk-based capital ratio | 14.3649% | 3,161 |
| Total risk-based capital ratio | 15.6193% | 3,089 |
| Memoranda: | ||
| Average total assets | $271,061,500 | 2,370 |
| Average earning assets | $249,931,500 | 2,381 |
| Average equity | $25,319,000 | 2,688 |
| Average total loans | $192,806,500 | 2,267 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5147% | 2,418 |
| Cost of funding earning assets | 0.7875% | 1,595 |
| Net interest margin | 3.7272% | 2,940 |
| Noninterest income to average assets | 0.7947% | 1,466 |
| Noninterest expense to average assets | 3.2280% | 1,486 |
| Loan and lease loss provision to assets | 0.0456% | 3,275 |
| Net operating income to assets | 0.9363% | 3,297 |
| Return on assets (ROA) | 0.9363% | 3,292 |
| Pretax return on assets | 0.9675% | 3,705 |
| Return on Equity (ROE) | 10.4322% | 2,332 |
| Retained earnings to average equity (ytd only) | 6.7672% | 1,773 |
| Net charge-offs to loans | 0.0196% | 3,041 |
| Credit loss provision to net charge-offs | 324.3243% | 965 |
| Earnings coverage of net charge-offs (x) | 72.0811% | 916 |
| Efficiency ratio | 76.1129% | 1,347 |
| Assets per employee ($millions) | 4.4652% | 3,220 |
| Cash dividends to net income (ytd only)* | 35.1318% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,232 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.6833% | 2,464 |
| Net loans and leases to deposits | 78.6121% | 3,093 |
| Net loans and leases to core deposits | 84.0871% | 3,084 |
| Total domestic deposits to total assets | 89.9140% | 503 |
| Equity capital to assets | 8.9949% | 4,581 |
| Core capital (leverage) ratio | 9.4291% | 4,197 |
| Tier 1 risk-based capital ratio | 13.5899% | 3,502 |
| Total risk-based capital ratio | 14.8439% | 3,407 |
| Memoranda: | ||
| Average total assets | $263,259,800 | 2,376 |
| Average earning assets | $243,424,400 | 2,386 |
| Average equity | $23,628,800 | 2,765 |
| Average total loans | $188,635,600 | 2,258 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 2,445 |
| Cost of funding earning assets | 0.7314% | 1,673 |
| Net interest margin | 3.7254% | 2,913 |
| Noninterest income to average assets | 0.8097% | 1,439 |
| Noninterest expense to average assets | 3.2364% | 1,446 |
| Loan and lease loss provision to assets | 0.0460% | 3,065 |
| Net operating income to assets | 0.9594% | 3,270 |
| Return on assets (ROA) | 0.9594% | 3,283 |
| Pretax return on assets | 0.9753% | 3,800 |
| Return on Equity (ROE) | 10.6956% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.6634% | 2,301 |
| Net charge-offs to loans | 0.0392% | 2,299 |
| Credit loss provision to net charge-offs | 163.6364% | 1,614 |
| Earnings coverage of net charge-offs (x) | 36.3462% | 1,426 |
| Efficiency ratio | 76.0139% | 1,348 |
| Assets per employee ($millions) | 4.2432% | 3,514 |
| Cash dividends to net income (ytd only)* | 37.6998% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,363 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.1003% | 2,479 |
| Net loans and leases to deposits | 79.9938% | 3,046 |
| Net loans and leases to core deposits | 85.0971% | 3,076 |
| Total domestic deposits to total assets | 88.8823% | 882 |
| Equity capital to assets | 8.8268% | 4,696 |
| Core capital (leverage) ratio | 9.4710% | 4,212 |
| Tier 1 risk-based capital ratio | 13.6635% | 3,537 |
| Total risk-based capital ratio | 14.9175% | 3,450 |
| Memoranda: | ||
| Average total assets | $260,980,500 | 2,407 |
| Average earning assets | $241,539,750 | 2,415 |
| Average equity | $23,411,000 | 2,795 |
| Average total loans | $186,922,750 | 2,286 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 2,538 |
| Cost of funding earning assets | 0.6690% | 1,817 |
| Net interest margin | 3.6922% | 2,963 |
| Noninterest income to average assets | 0.8275% | 1,397 |
| Noninterest expense to average assets | 3.2395% | 1,453 |
| Loan and lease loss provision to assets | 0.0464% | 2,975 |
| Net operating income to assets | 1.0399% | 2,851 |
| Return on assets (ROA) | 1.0399% | 2,854 |
| Pretax return on assets | 0.9611% | 3,772 |
| Return on Equity (ROE) | 11.5292% | 1,899 |
| Retained earnings to average equity (ytd only) | 6.9895% | 2,074 |
| Net charge-offs to loans | 0.0617% | 1,727 |
| Credit loss provision to net charge-offs | 105.2632% | 1,945 |
| Earnings coverage of net charge-offs (x) | 22.8772% | 1,728 |
| Efficiency ratio | 76.2780% | 1,393 |
| Assets per employee ($millions) | 4.3570% | 3,346 |
| Cash dividends to net income (ytd only)* | 39.3759% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,245 |
| Loan loss allowance to noncurrent loans | 687.8282% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 3,630 |
| Noncurrent loans to loans | 0.2252% | 3,912 |
| Net loans and leases to total assets | 70.0754% | 2,567 |
| Net loans and leases to deposits | 79.6271% | 2,989 |
| Net loans and leases to core deposits | 84.1828% | 3,067 |
| Total domestic deposits to total assets | 88.0044% | 1,378 |
| Equity capital to assets | 8.9412% | 4,603 |
| Core capital (leverage) ratio | 9.5202% | 4,097 |
| Tier 1 risk-based capital ratio | 13.0163% | 3,884 |
| Total risk-based capital ratio | 14.2695% | 3,801 |
| Memoranda: | ||
| Average total assets | $258,867,000 | 2,434 |
| Average earning assets | $239,749,000 | 2,431 |
| Average equity | $23,349,330 | 2,813 |
| Average total loans | $184,903,670 | 2,310 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 2,433 |
| Cost of funding earning assets | 0.5914% | 2,110 |
| Net interest margin | 3.7345% | 2,669 |
| Noninterest income to average assets | 0.7656% | 1,565 |
| Noninterest expense to average assets | 2.8479% | 2,541 |
| Loan and lease loss provision to assets | 0.0466% | 2,838 |
| Net operating income to assets | 1.3323% | 1,534 |
| Return on assets (ROA) | 1.3323% | 1,546 |
| Pretax return on assets | 1.3323% | 2,240 |
| Return on Equity (ROE) | 14.7063% | 855 |
| Retained earnings to average equity (ytd only) | 9.5814% | 1,291 |
| Net charge-offs to loans | 0.1259% | 1,039 |
| Credit loss provision to net charge-offs | 51.7241% | 1,936 |
| Earnings coverage of net charge-offs (x) | 15.3103% | 1,668 |
| Efficiency ratio | 67.3769% | 2,937 |
| Assets per employee ($millions) | 4.2511% | 3,564 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 1,317 |
| Loan loss allowance to noncurrent loans | 661.4849% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 3,600 |
| Noncurrent loans to loans | 0.2331% | 3,935 |
| Net loans and leases to total assets | 70.2027% | 2,450 |
| Net loans and leases to deposits | 79.7904% | 2,833 |
| Net loans and leases to core deposits | 82.5746% | 3,097 |
| Total domestic deposits to total assets | 87.9839% | 1,630 |
| Equity capital to assets | 9.0020% | 4,551 |
| Core capital (leverage) ratio | 9.5399% | 4,021 |
| Tier 1 risk-based capital ratio | 13.3024% | 3,781 |
| Total risk-based capital ratio | 14.5559% | 3,684 |
| Memoranda: | ||
| Average total assets | $257,590,500 | 2,461 |
| Average earning assets | $238,748,000 | 2,461 |
| Average equity | $23,337,000 | 2,832 |
| Average total loans | $184,319,000 | 2,330 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,348 |
| Cost of funding earning assets | 0.5784% | 1,756 |
| Net interest margin | 3.7157% | 2,737 |
| Noninterest income to average assets | 0.8914% | 1,300 |
| Noninterest expense to average assets | 3.1073% | 1,842 |
| Loan and lease loss provision to assets | 0.0416% | 3,429 |
| Net operating income to assets | 1.1827% | 1,572 |
| Return on assets (ROA) | 1.1910% | 1,572 |
| Pretax return on assets | 1.1930% | 2,799 |
| Return on Equity (ROE) | 13.3377% | 876 |
| Retained earnings to average equity (ytd only) | 6.2583% | 1,404 |
| Net charge-offs to loans | 0.0498% | 2,793 |
| Credit loss provision to net charge-offs | 119.3182% | 2,196 |
| Earnings coverage of net charge-offs (x) | 35.1591% | 1,370 |
| Efficiency ratio | 71.7029% | 2,275 |
| Assets per employee ($millions) | 4.8276% | 2,702 |
| Cash dividends to net income (ytd only)* | 53.0782% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 1,221 |
| Loan loss allowance to noncurrent loans | 570.2970% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 3,492 |
| Noncurrent loans to loans | 0.2748% | 3,796 |
| Net loans and leases to total assets | 70.6858% | 2,417 |
| Net loans and leases to deposits | 78.7250% | 3,037 |
| Net loans and leases to core deposits | 80.5442% | 3,377 |
| Total domestic deposits to total assets | 89.7882% | 644 |
| Equity capital to assets | 9.1182% | 4,602 |
| Core capital (leverage) ratio | 9.3290% | 4,250 |
| Tier 1 risk-based capital ratio | 13.0414% | 3,882 |
| Total risk-based capital ratio | 14.2951% | 3,782 |
| Memoranda: | ||
| Average total assets | $252,309,200 | 2,475 |
| Average earning assets | $233,737,200 | 2,469 |
| Average equity | $22,530,200 | 2,900 |
| Average total loans | $176,738,800 | 2,364 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,337 |
| Cost of funding earning assets | 0.5947% | 1,564 |
| Net interest margin | 3.6805% | 2,821 |
| Noninterest income to average assets | 0.9466% | 1,150 |
| Noninterest expense to average assets | 3.1246% | 1,739 |
| Loan and lease loss provision to assets | 0.0557% | 2,973 |
| Net operating income to assets | 1.1736% | 1,793 |
| Return on assets (ROA) | 1.1847% | 1,797 |
| Pretax return on assets | 1.1874% | 2,954 |
| Return on Equity (ROE) | 13.3388% | 975 |
| Retained earnings to average equity (ytd only) | 6.6634% | 1,867 |
| Net charge-offs to loans | -0.0030% | 4,366 |
| Credit loss provision to net charge-offs | -2,625.0000% | 5,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7225% | 2,241 |
| Assets per employee ($millions) | 4.6216% | 2,945 |
| Cash dividends to net income (ytd only)* | 50.0448% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,093 |
| Loan loss allowance to noncurrent loans | 219.8225% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 2,461 |
| Noncurrent loans to loans | 0.7598% | 2,460 |
| Net loans and leases to total assets | 68.8385% | 2,720 |
| Net loans and leases to deposits | 76.8150% | 3,292 |
| Net loans and leases to core deposits | 79.1367% | 3,527 |
| Total domestic deposits to total assets | 89.6160% | 612 |
| Equity capital to assets | 9.2404% | 4,696 |
| Core capital (leverage) ratio | 9.3554% | 4,343 |
| Tier 1 risk-based capital ratio | 13.2629% | 3,838 |
| Total risk-based capital ratio | 14.5178% | 3,755 |
| Memoranda: | ||
| Average total assets | $251,421,000 | 2,499 |
| Average earning assets | $232,933,250 | 2,487 |
| Average equity | $22,330,250 | 2,940 |
| Average total loans | $174,989,000 | 2,390 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 2,306 |
| Cost of funding earning assets | 0.5950% | 1,483 |
| Net interest margin | 3.6515% | 2,832 |
| Noninterest income to average assets | 0.9924% | 1,030 |
| Noninterest expense to average assets | 3.2016% | 1,573 |
| Loan and lease loss provision to assets | 0.0719% | 2,534 |
| Net operating income to assets | 1.1026% | 1,958 |
| Return on assets (ROA) | 1.1130% | 1,962 |
| Pretax return on assets | 1.1154% | 3,113 |
| Return on Equity (ROE) | 12.7049% | 1,110 |
| Retained earnings to average equity (ytd only) | 5.7509% | 2,261 |
| Net charge-offs to loans | -0.0103% | 4,549 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1218% | 2,167 |
| Assets per employee ($millions) | 4.5993% | 2,946 |
| Cash dividends to net income (ytd only)* | 54.7346% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 1,066 |
| Loan loss allowance to noncurrent loans | 515.8537% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,623 |
| Noncurrent loans to loans | 0.3291% | 3,858 |
| Net loans and leases to total assets | 67.7786% | 2,845 |
| Net loans and leases to deposits | 75.3576% | 3,421 |
| Net loans and leases to core deposits | 78.3924% | 3,562 |
| Total domestic deposits to total assets | 89.9426% | 554 |
| Equity capital to assets | 8.9145% | 4,974 |
| Core capital (leverage) ratio | 9.1357% | 4,571 |
| Tier 1 risk-based capital ratio | 13.0062% | 3,994 |
| Total risk-based capital ratio | 14.2616% | 3,902 |
| Memoranda: | ||
| Average total assets | $250,498,330 | 2,513 |
| Average earning assets | $232,287,000 | 2,506 |
| Average equity | $21,944,330 | 2,977 |
| Average total loans | $174,001,330 | 2,403 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,214 |
| Cost of funding earning assets | 0.5874% | 1,459 |
| Net interest margin | 3.6321% | 2,769 |
| Noninterest income to average assets | 1.0061% | 992 |
| Noninterest expense to average assets | 3.1950% | 1,620 |
| Loan and lease loss provision to assets | 0.0722% | 2,362 |
| Net operating income to assets | 1.0992% | 1,875 |
| Return on assets (ROA) | 1.1137% | 1,854 |
| Pretax return on assets | 1.1169% | 2,914 |
| Return on Equity (ROE) | 12.8272% | 1,035 |
| Retained earnings to average equity (ytd only) | 6.1548% | 2,249 |
| Net charge-offs to loans | -0.0069% | 4,283 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1179% | 2,388 |
| Assets per employee ($millions) | 4.3921% | 3,346 |
| Cash dividends to net income (ytd only)* | 52.0173% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 1,200 |
| Loan loss allowance to noncurrent loans | 509.9825% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 3,692 |
| Noncurrent loans to loans | 0.3285% | 3,942 |
| Net loans and leases to total assets | 68.2731% | 2,632 |
| Net loans and leases to deposits | 75.7104% | 3,229 |
| Net loans and leases to core deposits | 79.3743% | 3,350 |
| Total domestic deposits to total assets | 90.1766% | 586 |
| Equity capital to assets | 8.7269% | 5,053 |
| Core capital (leverage) ratio | 9.1347% | 4,562 |
| Tier 1 risk-based capital ratio | 12.9059% | 4,142 |
| Total risk-based capital ratio | 14.1612% | 4,034 |
| Memoranda: | ||
| Average total assets | $249,268,000 | 2,551 |
| Average earning assets | $230,831,500 | 2,545 |
| Average equity | $21,641,500 | 3,013 |
| Average total loans | $173,795,500 | 2,419 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 1,940 |
| Cost of funding earning assets | 0.5861% | 1,446 |
| Net interest margin | 3.7767% | 2,403 |
| Noninterest income to average assets | 1.0206% | 1,085 |
| Noninterest expense to average assets | 3.3573% | 1,447 |
| Loan and lease loss provision to assets | 0.0764% | 2,828 |
| Net operating income to assets | 1.0639% | 2,069 |
| Return on assets (ROA) | 1.0860% | 2,057 |
| Pretax return on assets | 1.0885% | 3,147 |
| Return on Equity (ROE) | 12.6269% | 1,085 |
| Retained earnings to average equity (ytd only) | 5.6618% | 1,911 |
| Net charge-offs to loans | -0.0193% | 5,117 |
| Credit loss provision to net charge-offs | -545.4545% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6038% | 2,207 |
| Assets per employee ($millions) | 4.4319% | 3,218 |
| Cash dividends to net income (ytd only)* | 55.1603% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 1,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,720 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.8574% | 2,639 |
| Net loans and leases to deposits | 76.3287% | 3,283 |
| Net loans and leases to core deposits | 81.9081% | 3,217 |
| Total domestic deposits to total assets | 90.2117% | 555 |
| Equity capital to assets | 8.6367% | 5,157 |
| Core capital (leverage) ratio | 8.9646% | 4,780 |
| Tier 1 risk-based capital ratio | 12.6358% | 4,298 |
| Total risk-based capital ratio | 13.8904% | 4,188 |
| Memoranda: | ||
| Average total assets | $235,544,000 | 2,615 |
| Average earning assets | $217,016,000 | 2,628 |
| Average equity | $20,258,400 | 3,143 |
| Average total loans | $171,064,000 | 2,402 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 1,904 |
| Cost of funding earning assets | 0.5806% | 1,479 |
| Net interest margin | 3.8052% | 2,311 |
| Noninterest income to average assets | 1.0637% | 1,003 |
| Noninterest expense to average assets | 3.3679% | 1,418 |
| Loan and lease loss provision to assets | 0.0775% | 2,676 |
| Net operating income to assets | 1.1200% | 1,915 |
| Return on assets (ROA) | 1.1498% | 1,908 |
| Pretax return on assets | 1.1527% | 3,036 |
| Return on Equity (ROE) | 13.3836% | 948 |
| Retained earnings to average equity (ytd only) | 6.1442% | 2,099 |
| Net charge-offs to loans | -0.0250% | 5,087 |
| Credit loss provision to net charge-offs | -421.8750% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7252% | 2,340 |
| Assets per employee ($millions) | 4.3299% | 3,366 |
| Cash dividends to net income (ytd only)* | 54.0920% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 4,838 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.4950% | 2,722 |
| Net loans and leases to deposits | 75.6667% | 3,438 |
| Net loans and leases to core deposits | 82.2697% | 3,258 |
| Total domestic deposits to total assets | 90.5220% | 314 |
| Equity capital to assets | 8.2965% | 5,625 |
| Core capital (leverage) ratio | 8.5174% | 5,351 |
| Tier 1 risk-based capital ratio | 11.3896% | 5,163 |
| Total risk-based capital ratio | 12.6438% | 5,059 |
| Memoranda: | ||
| Average total assets | $232,384,000 | 2,647 |
| Average earning assets | $214,015,750 | 2,664 |
| Average equity | $19,964,250 | 3,196 |
| Average total loans | $170,391,000 | 2,413 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 1,721 |
| Cost of funding earning assets | 0.5720% | 1,535 |
| Net interest margin | 3.8640% | 2,103 |
| Noninterest income to average assets | 1.2470% | 732 |
| Noninterest expense to average assets | 3.4309% | 1,311 |
| Loan and lease loss provision to assets | 0.0791% | 2,562 |
| Net operating income to assets | 1.2901% | 1,299 |
| Return on assets (ROA) | 1.3358% | 1,273 |
| Pretax return on assets | 1.3384% | 2,252 |
| Return on Equity (ROE) | 15.3584% | 631 |
| Retained earnings to average equity (ytd only) | 8.2451% | 1,095 |
| Net charge-offs to loans | -0.0377% | 5,242 |
| Credit loss provision to net charge-offs | -281.2500% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4364% | 2,754 |
| Assets per employee ($millions) | 3.9674% | 3,973 |
| Cash dividends to net income (ytd only)* | 46.3158% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 1,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,871 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.1707% | 1,807 |
| Net loans and leases to deposits | 82.3413% | 2,666 |
| Net loans and leases to core deposits | 89.0164% | 2,639 |
| Total domestic deposits to total assets | 90.0771% | 460 |
| Equity capital to assets | 8.7228% | 5,465 |
| Core capital (leverage) ratio | 8.7810% | 5,082 |
| Tier 1 risk-based capital ratio | 11.4169% | 5,207 |
| Total risk-based capital ratio | 12.6710% | 5,096 |
| Memoranda: | ||
| Average total assets | $227,578,000 | 2,702 |
| Average earning assets | $209,422,330 | 2,714 |
| Average equity | $19,793,670 | 3,220 |
| Average total loans | $169,899,670 | 2,416 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 1,705 |
| Cost of funding earning assets | 0.5622% | 1,605 |
| Net interest margin | 3.8693% | 2,042 |
| Noninterest income to average assets | 0.9575% | 1,165 |
| Noninterest expense to average assets | 3.4235% | 1,335 |
| Loan and lease loss provision to assets | 0.0802% | 2,354 |
| Net operating income to assets | 1.0092% | 2,232 |
| Return on assets (ROA) | 1.0306% | 2,277 |
| Pretax return on assets | 1.0342% | 3,343 |
| Return on Equity (ROE) | 11.8677% | 1,350 |
| Retained earnings to average equity (ytd only) | 5.9544% | 2,393 |
| Net charge-offs to loans | -0.0144% | 4,693 |
| Credit loss provision to net charge-offs | -750.0000% | 4,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7994% | 2,203 |
| Assets per employee ($millions) | 3.8689% | 4,178 |
| Cash dividends to net income (ytd only)* | 49.8270% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 1,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,907 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.0900% | 1,536 |
| Net loans and leases to deposits | 84.7193% | 2,224 |
| Net loans and leases to core deposits | 90.5096% | 2,319 |
| Total domestic deposits to total assets | 88.6339% | 1,292 |
| Equity capital to assets | 8.8192% | 5,324 |
| Core capital (leverage) ratio | 8.6625% | 5,222 |
| Tier 1 risk-based capital ratio | 11.3917% | 5,285 |
| Total risk-based capital ratio | 12.6458% | 5,189 |
| Memoranda: | ||
| Average total assets | $224,329,500 | 2,745 |
| Average earning assets | $206,340,000 | 2,756 |
| Average equity | $19,481,500 | 3,258 |
| Average total loans | $166,656,000 | 2,446 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 1,696 |
| Cost of funding earning assets | 0.5433% | 1,822 |
| Net interest margin | 3.9234% | 1,953 |
| Noninterest income to average assets | 1.1565% | 885 |
| Noninterest expense to average assets | 3.5058% | 1,282 |
| Loan and lease loss provision to assets | 0.0423% | 3,487 |
| Net operating income to assets | 1.1703% | 1,670 |
| Return on assets (ROA) | 1.1880% | 1,670 |
| Pretax return on assets | 1.1975% | 2,668 |
| Return on Equity (ROE) | 13.4396% | 960 |
| Retained earnings to average equity (ytd only) | 6.0465% | 1,772 |
| Net charge-offs to loans | -0.0393% | 5,487 |
| Credit loss provision to net charge-offs | -150.0000% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1541% | 2,556 |
| Assets per employee ($millions) | 3.8666% | 4,184 |
| Cash dividends to net income (ytd only)* | 55.0099% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 1,511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 4,939 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 71.1049% | 2,183 |
| Net loans and leases to deposits | 78.8424% | 2,957 |
| Net loans and leases to core deposits | 83.3374% | 3,019 |
| Total domestic deposits to total assets | 90.1861% | 552 |
| Equity capital to assets | 8.5493% | 5,519 |
| Core capital (leverage) ratio | 8.6402% | 5,289 |
| Tier 1 risk-based capital ratio | 11.8595% | 5,036 |
| Total risk-based capital ratio | 13.1145% | 4,944 |
| Memoranda: | ||
| Average total assets | $212,533,400 | 2,814 |
| Average earning assets | $193,454,800 | 2,854 |
| Average equity | $18,787,800 | 3,283 |
| Average total loans | $152,853,000 | 2,561 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,599 |
| Cost of funding earning assets | 0.5427% | 1,866 |
| Net interest margin | 3.9550% | 1,857 |
| Noninterest income to average assets | 1.1953% | 847 |
| Noninterest expense to average assets | 3.5578% | 1,182 |
| Loan and lease loss provision to assets | 0.0573% | 3,042 |
| Net operating income to assets | 1.1617% | 1,788 |
| Return on assets (ROA) | 1.1800% | 1,785 |
| Pretax return on assets | 1.1914% | 2,852 |
| Return on Equity (ROE) | 13.2321% | 1,072 |
| Retained earnings to average equity (ytd only) | 6.0418% | 2,219 |
| Net charge-offs to loans | -0.0275% | 5,319 |
| Credit loss provision to net charge-offs | -290.3226% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3058% | 2,505 |
| Assets per employee ($millions) | 3.7504% | 4,357 |
| Cash dividends to net income (ytd only)* | 54.3398% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 1,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 5,070 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.1438% | 2,367 |
| Net loans and leases to deposits | 78.0427% | 3,095 |
| Net loans and leases to core deposits | 82.6570% | 3,181 |
| Total domestic deposits to total assets | 89.8788% | 630 |
| Equity capital to assets | 8.8119% | 5,480 |
| Core capital (leverage) ratio | 8.7765% | 5,264 |
| Tier 1 risk-based capital ratio | 12.0988% | 5,023 |
| Total risk-based capital ratio | 13.3543% | 4,933 |
| Memoranda: | ||
| Average total assets | $209,601,000 | 2,875 |
| Average earning assets | $190,402,500 | 2,911 |
| Average equity | $18,691,500 | 3,318 |
| Average total loans | $150,538,250 | 2,600 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 1,599 |
| Cost of funding earning assets | 0.5455% | 1,863 |
| Net interest margin | 3.9338% | 1,877 |
| Noninterest income to average assets | 1.1761% | 875 |
| Noninterest expense to average assets | 3.5949% | 1,136 |
| Loan and lease loss provision to assets | 0.0580% | 2,944 |
| Net operating income to assets | 1.0729% | 2,049 |
| Return on assets (ROA) | 1.1007% | 2,041 |
| Pretax return on assets | 1.1123% | 3,120 |
| Return on Equity (ROE) | 12.2918% | 1,285 |
| Retained earnings to average equity (ytd only) | 6.7125% | 1,838 |
| Net charge-offs to loans | -0.0054% | 4,754 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8874% | 2,379 |
| Assets per employee ($millions) | 3.8780% | 4,115 |
| Cash dividends to net income (ytd only)* | 45.3907% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 1,690 |
| Loan loss allowance to noncurrent loans | 1,301.5228% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 4,784 |
| Noncurrent loans to loans | 0.1282% | 5,238 |
| Net loans and leases to total assets | 72.1737% | 1,949 |
| Net loans and leases to deposits | 81.7967% | 2,583 |
| Net loans and leases to core deposits | 86.3637% | 2,732 |
| Total domestic deposits to total assets | 88.2355% | 1,526 |
| Equity capital to assets | 8.9647% | 5,272 |
| Core capital (leverage) ratio | 8.9515% | 5,031 |
| Tier 1 risk-based capital ratio | 11.9847% | 5,166 |
| Total risk-based capital ratio | 13.2396% | 5,057 |
| Memoranda: | ||
| Average total assets | $206,960,330 | 2,925 |
| Average earning assets | $187,349,670 | 2,957 |
| Average equity | $18,532,670 | 3,354 |
| Average total loans | $148,984,330 | 2,632 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 1,500 |
| Cost of funding earning assets | 0.5534% | 1,813 |
| Net interest margin | 3.9339% | 1,774 |
| Noninterest income to average assets | 1.0421% | 1,028 |
| Noninterest expense to average assets | 3.6280% | 1,104 |
| Loan and lease loss provision to assets | 0.0583% | 2,768 |
| Net operating income to assets | 0.8968% | 2,755 |
| Return on assets (ROA) | 0.9430% | 2,674 |
| Pretax return on assets | 0.9546% | 3,671 |
| Return on Equity (ROE) | 10.5363% | 1,787 |
| Retained earnings to average equity (ytd only) | 5.6049% | 2,713 |
| Net charge-offs to loans | 0.0055% | 3,131 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 248.5000% | 226 |
| Efficiency ratio | 78.9674% | 2,047 |
| Assets per employee ($millions) | 3.7836% | 4,369 |
| Cash dividends to net income (ytd only)* | 46.8041% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 1,735 |
| Loan loss allowance to noncurrent loans | 1,036.0656% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 4,766 |
| Noncurrent loans to loans | 0.1642% | 5,181 |
| Net loans and leases to total assets | 71.4713% | 1,901 |
| Net loans and leases to deposits | 79.6913% | 2,591 |
| Net loans and leases to core deposits | 83.8962% | 2,784 |
| Total domestic deposits to total assets | 89.6851% | 911 |
| Equity capital to assets | 9.1133% | 5,180 |
| Core capital (leverage) ratio | 8.7943% | 5,210 |
| Tier 1 risk-based capital ratio | 12.5649% | 4,861 |
| Total risk-based capital ratio | 13.8210% | 4,775 |
| Memoranda: | ||
| Average total assets | $205,735,500 | 2,954 |
| Average earning assets | $185,767,500 | 2,989 |
| Average equity | $18,412,500 | 3,391 |
| Average total loans | $146,625,000 | 2,665 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 1,610 |
| Cost of funding earning assets | 0.5553% | 2,170 |
| Net interest margin | 4.0271% | 1,816 |
| Noninterest income to average assets | 1.2095% | 816 |
| Noninterest expense to average assets | 3.8962% | 863 |
| Loan and lease loss provision to assets | 0.1657% | 1,582 |
| Net operating income to assets | 0.7752% | 3,497 |
| Return on assets (ROA) | 0.8388% | 3,277 |
| Pretax return on assets | 0.8434% | 4,097 |
| Return on Equity (ROE) | 9.6496% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.5813% | 2,920 |
| Net charge-offs to loans | 0.1643% | 2,388 |
| Credit loss provision to net charge-offs | 139.4850% | 1,703 |
| Earnings coverage of net charge-offs (x) | 7.9528% | 2,948 |
| Efficiency ratio | 80.4824% | 1,847 |
| Assets per employee ($millions) | 3.9837% | 3,994 |
| Cash dividends to net income (ytd only)* | 52.5228% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 1,705 |
| Loan loss allowance to noncurrent loans | 856.5068% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.3205% | 4,762 |
| Noncurrent loans to loans | 0.2018% | 5,096 |
| Net loans and leases to total assets | 68.6412% | 2,466 |
| Net loans and leases to deposits | 76.3084% | 3,169 |
| Net loans and leases to core deposits | 80.9469% | 3,200 |
| Total domestic deposits to total assets | 89.9524% | 752 |
| Equity capital to assets | 8.7881% | 5,501 |
| Core capital (leverage) ratio | 8.6204% | 5,425 |
| Tier 1 risk-based capital ratio | 12.5421% | 5,016 |
| Total risk-based capital ratio | 13.7985% | 4,930 |
| Memoranda: | ||
| Average total assets | $196,116,200 | 3,040 |
| Average earning assets | $176,851,600 | 3,079 |
| Average equity | $17,047,400 | 3,519 |
| Average total loans | $141,812,800 | 2,687 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 1,583 |
| Cost of funding earning assets | 0.5423% | 2,355 |
| Net interest margin | 4.0503% | 1,720 |
| Noninterest income to average assets | 1.2833% | 741 |
| Noninterest expense to average assets | 4.0084% | 744 |
| Loan and lease loss provision to assets | 0.1517% | 1,643 |
| Net operating income to assets | 0.7806% | 3,508 |
| Return on assets (ROA) | 0.8544% | 3,249 |
| Pretax return on assets | 0.8592% | 4,149 |
| Return on Equity (ROE) | 9.8577% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.3306% | 2,870 |
| Net charge-offs to loans | 0.1247% | 2,560 |
| Credit loss provision to net charge-offs | 166.6667% | 1,468 |
| Earnings coverage of net charge-offs (x) | 10.2876% | 2,562 |
| Efficiency ratio | 81.0626% | 1,750 |
| Assets per employee ($millions) | 3.7001% | 4,490 |
| Cash dividends to net income (ytd only)* | 45.9242% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 1,952 |
| Loan loss allowance to noncurrent loans | 326.8325% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 3,854 |
| Noncurrent loans to loans | 0.5218% | 4,371 |
| Net loans and leases to total assets | 70.7137% | 2,075 |
| Net loans and leases to deposits | 79.6692% | 2,744 |
| Net loans and leases to core deposits | 86.2034% | 2,646 |
| Total domestic deposits to total assets | 88.7592% | 1,372 |
| Equity capital to assets | 8.6036% | 5,723 |
| Core capital (leverage) ratio | 8.7814% | 5,361 |
| Tier 1 risk-based capital ratio | 12.1497% | 5,403 |
| Total risk-based capital ratio | 13.4054% | 5,314 |
| Memoranda: | ||
| Average total assets | $193,356,750 | 3,087 |
| Average earning assets | $174,798,500 | 3,128 |
| Average equity | $16,758,000 | 3,581 |
| Average total loans | $141,092,500 | 2,713 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,512 |
| Cost of funding earning assets | 0.5356% | 2,483 |
| Net interest margin | 4.0720% | 1,599 |
| Noninterest income to average assets | 1.1907% | 826 |
| Noninterest expense to average assets | 4.1985% | 601 |
| Loan and lease loss provision to assets | 0.1211% | 2,027 |
| Net operating income to assets | 0.5486% | 4,611 |
| Return on assets (ROA) | 0.6611% | 4,139 |
| Pretax return on assets | 0.6664% | 4,745 |
| Return on Equity (ROE) | 7.6086% | 3,316 |
| Retained earnings to average equity (ytd only) | 4.2283% | 3,483 |
| Net charge-offs to loans | 0.2139% | 1,742 |
| Credit loss provision to net charge-offs | 77.1812% | 2,365 |
| Earnings coverage of net charge-offs (x) | 4.2953% | 3,135 |
| Efficiency ratio | 86.1711% | 1,258 |
| Assets per employee ($millions) | 3.5915% | 4,683 |
| Cash dividends to net income (ytd only)* | 44.4268% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 2,267 |
| Loan loss allowance to noncurrent loans | 643.6314% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.5001% | 4,509 |
| Noncurrent loans to loans | 0.2575% | 5,243 |
| Net loans and leases to total assets | 74.0481% | 1,438 |
| Net loans and leases to deposits | 83.7999% | 2,054 |
| Net loans and leases to core deposits | 90.6162% | 2,067 |
| Total domestic deposits to total assets | 88.3629% | 1,704 |
| Equity capital to assets | 8.8186% | 5,504 |
| Core capital (leverage) ratio | 8.8063% | 5,266 |
| Tier 1 risk-based capital ratio | 12.0253% | 5,525 |
| Total risk-based capital ratio | 13.2811% | 5,458 |
| Memoranda: | ||
| Average total assets | $189,973,000 | 3,152 |
| Average earning assets | $171,756,330 | 3,178 |
| Average equity | $16,507,670 | 3,617 |
| Average total loans | $139,321,670 | 2,741 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,610 |
| Cost of funding earning assets | 0.5400% | 2,502 |
| Net interest margin | 4.0201% | 1,688 |
| Noninterest income to average assets | 1.2161% | 748 |
| Noninterest expense to average assets | 4.4577% | 477 |
| Loan and lease loss provision to assets | 0.0843% | 2,497 |
| Net operating income to assets | 0.3102% | 5,455 |
| Return on assets (ROA) | 0.5332% | 4,609 |
| Pretax return on assets | 0.5417% | 5,042 |
| Return on Equity (ROE) | 6.1826% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.6900% | 3,917 |
| Net charge-offs to loans | 0.4369% | 833 |
| Credit loss provision to net charge-offs | 26.6667% | 2,432 |
| Earnings coverage of net charge-offs (x) | 1.2600% | 3,134 |
| Efficiency ratio | 91.7969% | 892 |
| Assets per employee ($millions) | 3.2615% | 5,425 |
| Cash dividends to net income (ytd only)* | 40.3162% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,443 |
| Loan loss allowance to noncurrent loans | 229,900.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 5,226 |
| Noncurrent loans to loans | 0.0007% | 6,203 |
| Net loans and leases to total assets | 71.6110% | 1,632 |
| Net loans and leases to deposits | 80.4976% | 2,229 |
| Net loans and leases to core deposits | 85.9030% | 2,328 |
| Total domestic deposits to total assets | 88.9604% | 1,684 |
| Equity capital to assets | 8.6538% | 5,492 |
| Core capital (leverage) ratio | 8.6370% | 5,480 |
| Tier 1 risk-based capital ratio | 12.2518% | 5,472 |
| Total risk-based capital ratio | 13.5078% | 5,403 |
| Memoranda: | ||
| Average total assets | $189,785,500 | 3,171 |
| Average earning assets | $171,836,500 | 3,198 |
| Average equity | $16,368,500 | 3,640 |
| Average total loans | $137,320,500 | 2,771 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 1,621 |
| Cost of funding earning assets | 0.5631% | 2,993 |
| Net interest margin | 4.1179% | 1,597 |
| Noninterest income to average assets | 1.4207% | 692 |
| Noninterest expense to average assets | 3.9357% | 940 |
| Loan and lease loss provision to assets | 0.1709% | 2,147 |
| Net operating income to assets | 1.0736% | 2,017 |
| Return on assets (ROA) | 1.0971% | 2,012 |
| Pretax return on assets | 1.1070% | 2,926 |
| Return on Equity (ROE) | 12.2047% | 1,353 |
| Retained earnings to average equity (ytd only) | 6.0042% | 1,965 |
| Net charge-offs to loans | 0.0925% | 3,923 |
| Credit loss provision to net charge-offs | 260.5042% | 870 |
| Earnings coverage of net charge-offs (x) | 19.1176% | 1,622 |
| Efficiency ratio | 75.8339% | 2,802 |
| Assets per employee ($millions) | 3.4001% | 5,089 |
| Cash dividends to net income (ytd only)* | 50.8040% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 2,189 |
| Loan loss allowance to noncurrent loans | 245.5657% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 3,834 |
| Noncurrent loans to loans | 0.7167% | 4,169 |
| Net loans and leases to total assets | 70.6228% | 1,916 |
| Net loans and leases to deposits | 79.2697% | 2,556 |
| Net loans and leases to core deposits | 85.4136% | 2,519 |
| Total domestic deposits to total assets | 89.0917% | 1,563 |
| Equity capital to assets | 8.5958% | 5,479 |
| Core capital (leverage) ratio | 8.5573% | 5,601 |
| Tier 1 risk-based capital ratio | 12.1111% | 5,552 |
| Total risk-based capital ratio | 13.3680% | 5,484 |
| Memoranda: | ||
| Average total assets | $181,392,600 | 3,261 |
| Average earning assets | $166,031,800 | 3,267 |
| Average equity | $16,305,200 | 3,653 |
| Average total loans | $128,708,600 | 2,883 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6831% | 1,641 |
| Cost of funding earning assets | 0.5686% | 3,091 |
| Net interest margin | 4.1146% | 1,589 |
| Noninterest income to average assets | 1.4246% | 727 |
| Noninterest expense to average assets | 3.9276% | 932 |
| Loan and lease loss provision to assets | 0.1637% | 2,209 |
| Net operating income to assets | 1.0989% | 2,011 |
| Return on assets (ROA) | 1.1306% | 1,955 |
| Pretax return on assets | 1.1410% | 2,944 |
| Return on Equity (ROE) | 12.4328% | 1,365 |
| Retained earnings to average equity (ytd only) | 6.2696% | 2,253 |
| Net charge-offs to loans | 0.1368% | 3,169 |
| Credit loss provision to net charge-offs | 169.2308% | 1,407 |
| Earnings coverage of net charge-offs (x) | 13.1538% | 2,059 |
| Efficiency ratio | 75.5260% | 2,804 |
| Assets per employee ($millions) | 3.3556% | 5,175 |
| Cash dividends to net income (ytd only)* | 49.5719% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 2,528 |
| Loan loss allowance to noncurrent loans | 235.2701% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 3,935 |
| Noncurrent loans to loans | 0.7343% | 4,382 |
| Net loans and leases to total assets | 71.1334% | 1,759 |
| Net loans and leases to deposits | 80.0452% | 2,406 |
| Net loans and leases to core deposits | 86.6497% | 2,327 |
| Total domestic deposits to total assets | 88.8664% | 1,632 |
| Equity capital to assets | 8.7311% | 5,482 |
| Core capital (leverage) ratio | 8.8559% | 5,317 |
| Tier 1 risk-based capital ratio | 12.2854% | 5,579 |
| Total risk-based capital ratio | 13.5419% | 5,518 |
| Memoranda: | ||
| Average total assets | $179,139,250 | 3,308 |
| Average earning assets | $164,387,250 | 3,314 |
| Average equity | $16,289,750 | 3,698 |
| Average total loans | $126,666,000 | 2,933 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,806 |
| Cost of funding earning assets | 0.5714% | 3,208 |
| Net interest margin | 4.0417% | 1,724 |
| Noninterest income to average assets | 1.4549% | 748 |
| Noninterest expense to average assets | 3.9767% | 892 |
| Loan and lease loss provision to assets | 0.1466% | 2,500 |
| Net operating income to assets | 1.0389% | 2,157 |
| Return on assets (ROA) | 1.0556% | 2,209 |
| Pretax return on assets | 1.0658% | 3,240 |
| Return on Equity (ROE) | 11.4507% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.6429% | 2,069 |
| Net charge-offs to loans | 0.1785% | 2,687 |
| Credit loss provision to net charge-offs | 117.1171% | 1,894 |
| Earnings coverage of net charge-offs (x) | 9.5495% | 2,267 |
| Efficiency ratio | 76.8862% | 2,648 |
| Assets per employee ($millions) | 3.1428% | 5,598 |
| Cash dividends to net income (ytd only)* | 41.9872% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,670 |
| Loan loss allowance to noncurrent loans | 427.7247% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 4,944 |
| Noncurrent loans to loans | 0.4044% | 5,252 |
| Net loans and leases to total assets | 70.9447% | 1,731 |
| Net loans and leases to deposits | 82.2796% | 2,025 |
| Net loans and leases to core deposits | 88.6595% | 2,040 |
| Total domestic deposits to total assets | 86.2240% | 3,248 |
| Equity capital to assets | 9.1427% | 5,052 |
| Core capital (leverage) ratio | 8.9684% | 5,046 |
| Tier 1 risk-based capital ratio | 12.5209% | 5,480 |
| Total risk-based capital ratio | 13.7777% | 5,418 |
| Memoranda: | ||
| Average total assets | $177,332,670 | 3,345 |
| Average earning assets | $163,101,000 | 3,346 |
| Average equity | $16,348,330 | 3,716 |
| Average total loans | $124,357,670 | 2,982 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5415% | 2,017 |
| Cost of funding earning assets | 0.5735% | 3,344 |
| Net interest margin | 3.9680% | 1,896 |
| Noninterest income to average assets | 1.2855% | 923 |
| Noninterest expense to average assets | 4.0560% | 831 |
| Loan and lease loss provision to assets | 0.1360% | 2,544 |
| Net operating income to assets | 0.7391% | 3,482 |
| Return on assets (ROA) | 0.7391% | 3,618 |
| Pretax return on assets | 0.7482% | 4,381 |
| Return on Equity (ROE) | 7.9836% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.6734% | 4,027 |
| Net charge-offs to loans | -0.0033% | 5,204 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1019% | 2,024 |
| Assets per employee ($millions) | 3.4184% | 5,167 |
| Cash dividends to net income (ytd only)* | 53.9877% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8651% | 2,399 |
| Loan loss allowance to noncurrent loans | 457.6305% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 5,072 |
| Noncurrent loans to loans | 0.4076% | 5,399 |
| Net loans and leases to total assets | 68.7804% | 1,878 |
| Net loans and leases to deposits | 77.4424% | 2,427 |
| Net loans and leases to core deposits | 83.1762% | 2,438 |
| Total domestic deposits to total assets | 88.8149% | 1,788 |
| Equity capital to assets | 9.3519% | 5,060 |
| Core capital (leverage) ratio | 8.7831% | 5,214 |
| Tier 1 risk-based capital ratio | 12.6338% | 5,486 |
| Total risk-based capital ratio | 13.8916% | 5,433 |
| Memoranda: | ||
| Average total assets | $176,430,000 | 3,396 |
| Average earning assets | $162,500,000 | 3,394 |
| Average equity | $16,333,500 | 3,763 |
| Average total loans | $121,873,500 | 3,051 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,208 |
| Cost of funding earning assets | 0.5882% | 4,463 |
| Net interest margin | 4.2102% | 1,632 |
| Noninterest income to average assets | 1.3951% | 799 |
| Noninterest expense to average assets | 3.7805% | 1,291 |
| Loan and lease loss provision to assets | 0.1631% | 3,576 |
| Net operating income to assets | 1.3250% | 1,245 |
| Return on assets (ROA) | 1.3250% | 1,374 |
| Pretax return on assets | 1.3335% | 2,279 |
| Return on Equity (ROE) | 13.8552% | 1,015 |
| Retained earnings to average equity (ytd only) | 7.2623% | 1,444 |
| Net charge-offs to loans | 0.0426% | 5,319 |
| Credit loss provision to net charge-offs | 562.5000% | 438 |
| Earnings coverage of net charge-offs (x) | 51.6250% | 667 |
| Efficiency ratio | 71.6411% | 3,490 |
| Assets per employee ($millions) | 3.3683% | 5,292 |
| Cash dividends to net income (ytd only)* | 47.5843% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,507 |
| Loan loss allowance to noncurrent loans | 406.4103% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 5,119 |
| Noncurrent loans to loans | 0.4492% | 5,383 |
| Net loans and leases to total assets | 66.8482% | 2,392 |
| Net loans and leases to deposits | 75.1087% | 2,936 |
| Net loans and leases to core deposits | 80.1690% | 2,983 |
| Total domestic deposits to total assets | 89.0019% | 1,563 |
| Equity capital to assets | 9.1659% | 5,316 |
| Core capital (leverage) ratio | 8.9367% | 4,994 |
| Tier 1 risk-based capital ratio | 12.4510% | 5,508 |
| Total risk-based capital ratio | 13.7077% | 5,458 |
| Memoranda: | ||
| Average total assets | $165,585,200 | 3,527 |
| Average earning assets | $152,676,600 | 3,499 |
| Average equity | $15,835,200 | 3,801 |
| Average total loans | $112,610,600 | 3,239 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 2,146 |
| Cost of funding earning assets | 0.6016% | 4,630 |
| Net interest margin | 4.2605% | 1,577 |
| Noninterest income to average assets | 1.3912% | 773 |
| Noninterest expense to average assets | 3.7720% | 1,258 |
| Loan and lease loss provision to assets | 0.1848% | 3,275 |
| Net operating income to assets | 1.3542% | 1,320 |
| Return on assets (ROA) | 1.3542% | 1,458 |
| Pretax return on assets | 1.3657% | 2,359 |
| Return on Equity (ROE) | 14.0010% | 1,112 |
| Retained earnings to average equity (ytd only) | 7.3274% | 1,932 |
| Net charge-offs to loans | 0.0507% | 4,946 |
| Credit loss provision to net charge-offs | 535.7143% | 501 |
| Earnings coverage of net charge-offs (x) | 44.9513% | 813 |
| Efficiency ratio | 70.8687% | 3,520 |
| Assets per employee ($millions) | 3.4183% | 5,165 |
| Cash dividends to net income (ytd only)* | 47.6651% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 2,499 |
| Loan loss allowance to noncurrent loans | 368.6971% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 5,163 |
| Noncurrent loans to loans | 0.5135% | 5,414 |
| Net loans and leases to total assets | 67.4189% | 2,384 |
| Net loans and leases to deposits | 75.7961% | 3,012 |
| Net loans and leases to core deposits | 81.3023% | 3,044 |
| Total domestic deposits to total assets | 88.9478% | 1,460 |
| Equity capital to assets | 9.6558% | 4,983 |
| Core capital (leverage) ratio | 9.1387% | 4,848 |
| Tier 1 risk-based capital ratio | 12.8446% | 5,375 |
| Total risk-based capital ratio | 14.1024% | 5,333 |
| Memoranda: | ||
| Average total assets | $162,351,250 | 3,612 |
| Average earning assets | $149,806,750 | 3,589 |
| Average equity | $15,703,250 | 3,862 |
| Average total loans | $110,374,000 | 3,319 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9184% | 2,033 |
| Cost of funding earning assets | 0.6161% | 4,753 |
| Net interest margin | 4.3022% | 1,473 |
| Noninterest income to average assets | 1.3484% | 789 |
| Noninterest expense to average assets | 3.7825% | 1,242 |
| Loan and lease loss provision to assets | 0.2241% | 2,840 |
| Net operating income to assets | 1.3036% | 1,431 |
| Return on assets (ROA) | 1.3036% | 1,583 |
| Pretax return on assets | 1.3148% | 2,503 |
| Return on Equity (ROE) | 13.4691% | 1,241 |
| Retained earnings to average equity (ytd only) | 6.8696% | 2,176 |
| Net charge-offs to loans | 0.0919% | 4,240 |
| Credit loss provision to net charge-offs | 360.0000% | 812 |
| Earnings coverage of net charge-offs (x) | 24.7200% | 1,214 |
| Efficiency ratio | 71.0810% | 3,585 |
| Assets per employee ($millions) | 3.5503% | 4,869 |
| Cash dividends to net income (ytd only)* | 48.9971% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 2,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 6,114 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 66.2035% | 2,631 |
| Net loans and leases to deposits | 74.5600% | 3,197 |
| Net loans and leases to core deposits | 78.9134% | 3,374 |
| Total domestic deposits to total assets | 88.7923% | 1,642 |
| Equity capital to assets | 9.8876% | 4,503 |
| Core capital (leverage) ratio | 9.0569% | 4,826 |
| Tier 1 risk-based capital ratio | 13.3493% | 4,929 |
| Total risk-based capital ratio | 14.6074% | 4,888 |
| Memoranda: | ||
| Average total assets | $160,636,330 | 3,651 |
| Average earning assets | $148,341,670 | 3,636 |
| Average equity | $15,546,670 | 3,877 |
| Average total loans | $108,797,670 | 3,363 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 2,083 |
| Cost of funding earning assets | 0.6087% | 5,062 |
| Net interest margin | 4.3333% | 1,370 |
| Noninterest income to average assets | 1.3162% | 823 |
| Noninterest expense to average assets | 3.8169% | 1,192 |
| Loan and lease loss provision to assets | 0.2235% | 2,711 |
| Net operating income to assets | 1.2591% | 1,577 |
| Return on assets (ROA) | 1.2591% | 1,746 |
| Pretax return on assets | 1.2715% | 2,647 |
| Return on Equity (ROE) | 13.1505% | 1,369 |
| Retained earnings to average equity (ytd only) | 6.4845% | 2,695 |
| Net charge-offs to loans | -0.0073% | 5,867 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8560% | 3,469 |
| Assets per employee ($millions) | 3.5268% | 5,058 |
| Cash dividends to net income (ytd only)* | 50.6903% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9089% | 2,653 |
| 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 | 66.1355% | 2,448 |
| Net loans and leases to deposits | 74.1968% | 3,095 |
| Net loans and leases to core deposits | 77.9740% | 3,326 |
| Total domestic deposits to total assets | 89.1353% | 1,614 |
| Equity capital to assets | 9.5407% | 4,737 |
| Core capital (leverage) ratio | 8.8756% | 5,027 |
| Tier 1 risk-based capital ratio | 13.2414% | 5,040 |
| Total risk-based capital ratio | 14.5002% | 5,008 |
| Memoranda: | ||
| Average total assets | $161,072,000 | 3,662 |
| Average earning assets | $148,523,000 | 3,648 |
| Average equity | $15,421,500 | 3,906 |
| Average total loans | $109,248,500 | 3,370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 2,166 |
| Cost of funding earning assets | 0.7251% | 5,375 |
| Net interest margin | 4.4501% | 1,263 |
| Noninterest income to average assets | 1.4702% | 601 |
| Noninterest expense to average assets | 3.7823% | 1,380 |
| Loan and lease loss provision to assets | 0.3391% | 2,983 |
| Net operating income to assets | 1.4798% | 868 |
| Return on assets (ROA) | 1.5559% | 792 |
| Pretax return on assets | 1.5636% | 1,297 |
| Return on Equity (ROE) | 16.4884% | 536 |
| Retained earnings to average equity (ytd only) | 7.0577% | 1,479 |
| Net charge-offs to loans | 0.0545% | 5,774 |
| Credit loss provision to net charge-offs | 929.8246% | 246 |
| Earnings coverage of net charge-offs (x) | 50.0877% | 559 |
| Efficiency ratio | 67.4347% | 4,481 |
| Assets per employee ($millions) | 3.4024% | 5,240 |
| Cash dividends to net income (ytd only)* | 57.1957% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 2,775 |
| 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 | 66.9868% | 2,589 |
| Net loans and leases to deposits | 75.3136% | 3,290 |
| Net loans and leases to core deposits | 79.6514% | 3,491 |
| Total domestic deposits to total assets | 88.9439% | 1,576 |
| Equity capital to assets | 9.6084% | 4,735 |
| Core capital (leverage) ratio | 8.8246% | 5,066 |
| Tier 1 risk-based capital ratio | 12.9961% | 5,071 |
| Total risk-based capital ratio | 14.2534% | 5,039 |
| Memoranda: | ||
| Average total assets | $156,308,000 | 3,694 |
| Average earning assets | $145,368,400 | 3,648 |
| Average equity | $14,749,800 | 3,958 |
| Average total loans | $104,618,800 | 3,512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1605% | 2,342 |
| Cost of funding earning assets | 0.7606% | 5,398 |
| Net interest margin | 4.3999% | 1,409 |
| Noninterest income to average assets | 1.5254% | 563 |
| Noninterest expense to average assets | 3.7861% | 1,323 |
| Loan and lease loss provision to assets | 0.2316% | 3,700 |
| Net operating income to assets | 1.6043% | 767 |
| Return on assets (ROA) | 1.7056% | 677 |
| Pretax return on assets | 1.7133% | 1,114 |
| Return on Equity (ROE) | 18.1598% | 440 |
| Retained earnings to average equity (ytd only) | 9.5001% | 984 |
| Net charge-offs to loans | 0.0361% | 5,641 |
| Credit loss provision to net charge-offs | 964.2857% | 276 |
| Earnings coverage of net charge-offs (x) | 76.7549% | 452 |
| Efficiency ratio | 67.2508% | 4,476 |
| Assets per employee ($millions) | 3.4787% | 5,055 |
| Cash dividends to net income (ytd only)* | 47.6862% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 3,655 |
| Loan loss allowance to noncurrent loans | 1,575.8929% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 6,478 |
| Noncurrent loans to loans | 0.1017% | 6,675 |
| Net loans and leases to total assets | 69.2323% | 2,235 |
| Net loans and leases to deposits | 78.1000% | 2,962 |
| Net loans and leases to core deposits | 83.2478% | 3,155 |
| Total domestic deposits to total assets | 88.6458% | 1,661 |
| Equity capital to assets | 9.8626% | 4,530 |
| Core capital (leverage) ratio | 8.9591% | 4,996 |
| Tier 1 risk-based capital ratio | 12.8088% | 5,239 |
| Total risk-based capital ratio | 14.0628% | 5,224 |
| Memoranda: | ||
| Average total assets | $155,407,000 | 3,734 |
| Average earning assets | $144,969,500 | 3,682 |
| Average equity | $14,596,000 | 4,002 |
| Average total loans | $103,494,500 | 3,556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 2,790 |
| Cost of funding earning assets | 0.7922% | 5,432 |
| Net interest margin | 4.2844% | 1,723 |
| Noninterest income to average assets | 1.5313% | 541 |
| Noninterest expense to average assets | 3.8806% | 1,227 |
| Loan and lease loss provision to assets | 0.2322% | 3,585 |
| Net operating income to assets | 1.4090% | 1,060 |
| Return on assets (ROA) | 1.4294% | 1,085 |
| Pretax return on assets | 1.4372% | 1,702 |
| Return on Equity (ROE) | 15.4803% | 723 |
| Retained earnings to average equity (ytd only) | 8.5505% | 1,248 |
| Net charge-offs to loans | 0.0276% | 5,440 |
| Credit loss provision to net charge-offs | 1,285.7143% | 270 |
| Earnings coverage of net charge-offs (x) | 91.2857% | 391 |
| Efficiency ratio | 70.1820% | 4,081 |
| Assets per employee ($millions) | 3.3723% | 5,276 |
| Cash dividends to net income (ytd only)* | 44.7653% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,744 |
| Loan loss allowance to noncurrent loans | 216.8164% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 5,911 |
| Noncurrent loans to loans | 0.7319% | 5,447 |
| Net loans and leases to total assets | 67.5210% | 2,708 |
| Net loans and leases to deposits | 75.9099% | 3,492 |
| Net loans and leases to core deposits | 79.8758% | 3,803 |
| Total domestic deposits to total assets | 88.9489% | 1,567 |
| Equity capital to assets | 9.5600% | 4,723 |
| Core capital (leverage) ratio | 8.8084% | 5,032 |
| Tier 1 risk-based capital ratio | 12.7474% | 5,131 |
| Total risk-based capital ratio | 14.0017% | 5,103 |
| Memoranda: | ||
| Average total assets | $155,029,000 | 3,767 |
| Average earning assets | $144,666,000 | 3,718 |
| Average equity | $14,315,000 | 4,058 |
| Average total loans | $101,278,670 | 3,656 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 3,026 |
| Cost of funding earning assets | 0.8219% | 5,450 |
| Net interest margin | 4.1953% | 1,906 |
| Noninterest income to average assets | 1.4040% | 658 |
| Noninterest expense to average assets | 3.9566% | 1,094 |
| Loan and lease loss provision to assets | 0.2323% | 3,326 |
| Net operating income to assets | 1.1201% | 1,764 |
| Return on assets (ROA) | 1.1201% | 1,815 |
| Pretax return on assets | 1.1279% | 2,654 |
| Return on Equity (ROE) | 12.3493% | 1,369 |
| Retained earnings to average equity (ytd only) | 6.4876% | 2,378 |
| Net charge-offs to loans | 0.1054% | 3,905 |
| Credit loss provision to net charge-offs | 346.1538% | 944 |
| Earnings coverage of net charge-offs (x) | 20.2692% | 1,113 |
| Efficiency ratio | 74.4175% | 3,436 |
| Assets per employee ($millions) | 3.2546% | 5,587 |
| Cash dividends to net income (ytd only)* | 47.4654% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,916 |
| Loan loss allowance to noncurrent loans | 5,290.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 7,138 |
| Noncurrent loans to loans | 0.0295% | 6,985 |
| Net loans and leases to total assets | 64.1089% | 3,422 |
| Net loans and leases to deposits | 71.7049% | 4,112 |
| Net loans and leases to core deposits | 73.7321% | 4,557 |
| Total domestic deposits to total assets | 89.4066% | 1,529 |
| Equity capital to assets | 9.1294% | 4,989 |
| Core capital (leverage) ratio | 8.5263% | 5,400 |
| Tier 1 risk-based capital ratio | 12.6523% | 5,111 |
| Total risk-based capital ratio | 13.9057% | 5,085 |
| Memoranda: | ||
| Average total assets | $154,981,000 | 3,794 |
| Average earning assets | $144,542,500 | 3,740 |
| Average equity | $14,057,500 | 4,102 |
| Average total loans | $98,702,500 | 3,755 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 2,634 |
| Cost of funding earning assets | 1.0461% | 5,453 |
| Net interest margin | 4.3619% | 1,613 |
| Noninterest income to average assets | 1.3321% | 827 |
| Noninterest expense to average assets | 3.7283% | 1,636 |
| Loan and lease loss provision to assets | 0.2903% | 4,474 |
| Net operating income to assets | 1.3566% | 1,032 |
| Return on assets (ROA) | 1.3746% | 1,067 |
| Pretax return on assets | 1.3827% | 1,708 |
| Return on Equity (ROE) | 14.9238% | 729 |
| Retained earnings to average equity (ytd only) | 7.0148% | 1,313 |
| Net charge-offs to loans | 0.0896% | 5,947 |
| Credit loss provision to net charge-offs | 494.2529% | 461 |
| Earnings coverage of net charge-offs (x) | 28.1724% | 773 |
| Efficiency ratio | 69.2587% | 4,324 |
| Assets per employee ($millions) | 3.3422% | 5,328 |
| Cash dividends to net income (ytd only)* | 52.9961% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.2351% | 4,448 |
| Net loans and leases to deposits | 68.5147% | 5,038 |
| Net loans and leases to core deposits | 70.8777% | 5,346 |
| Total domestic deposits to total assets | 89.3751% | 1,450 |
| Equity capital to assets | 9.0106% | 5,127 |
| Core capital (leverage) ratio | 8.6231% | 5,155 |
| Tier 1 risk-based capital ratio | 13.0798% | 4,539 |
| Total risk-based capital ratio | 14.3329% | 4,497 |
| Memoranda: | ||
| Average total assets | $148,111,800 | 3,906 |
| Average earning assets | $137,556,000 | 3,865 |
| Average equity | $13,642,600 | 4,227 |
| Average total loans | $97,136,200 | 3,872 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5078% | 2,400 |
| Cost of funding earning assets | 1.0857% | 5,515 |
| Net interest margin | 4.4221% | 1,455 |
| Noninterest income to average assets | 1.3160% | 790 |
| Noninterest expense to average assets | 3.7008% | 1,564 |
| Loan and lease loss provision to assets | 0.2454% | 4,637 |
| Net operating income to assets | 1.4671% | 985 |
| Return on assets (ROA) | 1.4914% | 1,020 |
| Pretax return on assets | 1.4996% | 1,619 |
| Return on Equity (ROE) | 16.0997% | 690 |
| Retained earnings to average equity (ytd only) | 8.2608% | 1,326 |
| Net charge-offs to loans | 0.0670% | 5,840 |
| Credit loss provision to net charge-offs | 551.0204% | 522 |
| Earnings coverage of net charge-offs (x) | 38.6337% | 704 |
| Efficiency ratio | 68.2649% | 4,414 |
| Assets per employee ($millions) | 3.4744% | 5,044 |
| Cash dividends to net income (ytd only)* | 48.6899% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 4,082 |
| Loan loss allowance to noncurrent loans | 11,675.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 7,350 |
| Noncurrent loans to loans | 0.0126% | 7,238 |
| Net loans and leases to total assets | 62.6803% | 4,390 |
| Net loans and leases to deposits | 70.6909% | 5,050 |
| Net loans and leases to core deposits | 73.3981% | 5,366 |
| Total domestic deposits to total assets | 88.6681% | 1,584 |
| Equity capital to assets | 9.5963% | 4,701 |
| Core capital (leverage) ratio | 8.8243% | 4,964 |
| Tier 1 risk-based capital ratio | 12.9994% | 4,579 |
| Total risk-based capital ratio | 14.2519% | 4,552 |
| Memoranda: | ||
| Average total assets | $146,704,250 | 3,986 |
| Average earning assets | $136,190,250 | 3,940 |
| Average equity | $13,590,000 | 4,305 |
| Average total loans | $97,503,500 | 3,930 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5764% | 2,221 |
| Cost of funding earning assets | 1.1188% | 5,575 |
| Net interest margin | 4.4576% | 1,298 |
| Noninterest income to average assets | 1.2908% | 765 |
| Noninterest expense to average assets | 3.7543% | 1,443 |
| Loan and lease loss provision to assets | 0.2469% | 4,460 |
| Net operating income to assets | 1.4187% | 1,063 |
| Return on assets (ROA) | 1.4554% | 1,050 |
| Pretax return on assets | 1.4636% | 1,660 |
| Return on Equity (ROE) | 15.9059% | 714 |
| Retained earnings to average equity (ytd only) | 7.9904% | 1,442 |
| Net charge-offs to loans | 0.0732% | 5,411 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 33.8889% | 831 |
| Efficiency ratio | 69.1686% | 4,342 |
| Assets per employee ($millions) | 3.3418% | 5,327 |
| Cash dividends to net income (ytd only)* | 49.7644% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 4,616 |
| Loan loss allowance to noncurrent loans | 3,894.1176% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 7,346 |
| Noncurrent loans to loans | 0.0350% | 7,231 |
| Net loans and leases to total assets | 66.7075% | 3,687 |
| Net loans and leases to deposits | 75.2532% | 4,475 |
| Net loans and leases to core deposits | 77.6219% | 5,008 |
| Total domestic deposits to total assets | 88.6441% | 1,647 |
| Equity capital to assets | 9.5681% | 4,604 |
| Core capital (leverage) ratio | 8.8091% | 4,898 |
| Tier 1 risk-based capital ratio | 12.2418% | 5,085 |
| Total risk-based capital ratio | 13.4918% | 5,060 |
| Memoranda: | ||
| Average total assets | $145,805,330 | 4,035 |
| Average earning assets | $135,320,000 | 3,993 |
| Average equity | $13,341,000 | 4,365 |
| Average total loans | $98,322,670 | 3,951 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6105% | 2,105 |
| Cost of funding earning assets | 1.1467% | 5,673 |
| Net interest margin | 4.4638% | 1,227 |
| Noninterest income to average assets | 1.2638% | 770 |
| Noninterest expense to average assets | 3.7587% | 1,399 |
| Loan and lease loss provision to assets | 0.2451% | 4,086 |
| Net operating income to assets | 1.3972% | 1,080 |
| Return on assets (ROA) | 1.3972% | 1,152 |
| Pretax return on assets | 1.4054% | 1,762 |
| Return on Equity (ROE) | 15.6200% | 782 |
| Retained earnings to average equity (ytd only) | 8.1297% | 1,656 |
| Net charge-offs to loans | 0.0081% | 5,479 |
| Credit loss provision to net charge-offs | 4,500.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 106 |
| Efficiency ratio | 69.4864% | 4,412 |
| Assets per employee ($millions) | 3.4771% | 5,084 |
| Cash dividends to net income (ytd only)* | 47.9532% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 4,934 |
| 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 | 65.8491% | 3,897 |
| Net loans and leases to deposits | 74.3962% | 4,681 |
| Net loans and leases to core deposits | 76.3028% | 5,216 |
| Total domestic deposits to total assets | 88.5114% | 1,782 |
| Equity capital to assets | 9.0982% | 5,140 |
| Core capital (leverage) ratio | 8.5788% | 5,240 |
| Tier 1 risk-based capital ratio | 11.9664% | 5,230 |
| Total risk-based capital ratio | 13.1933% | 5,218 |
| Memoranda: | ||
| Average total assets | $146,860,000 | 4,069 |
| Average earning assets | $136,387,500 | 4,027 |
| Average equity | $13,137,000 | 4,443 |
| Average total loans | $98,894,000 | 3,992 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8062% | 2,631 |
| Cost of funding earning assets | 1.5271% | 5,390 |
| Net interest margin | 4.2791% | 1,780 |
| Noninterest income to average assets | 1.3950% | 755 |
| Noninterest expense to average assets | 3.7336% | 1,835 |
| Loan and lease loss provision to assets | 0.2177% | 5,619 |
| Net operating income to assets | 1.4226% | 814 |
| Return on assets (ROA) | 1.4654% | 788 |
| Pretax return on assets | 1.4523% | 1,311 |
| Return on Equity (ROE) | 16.4446% | 508 |
| Retained earnings to average equity (ytd only) | 8.3567% | 617 |
| Net charge-offs to loans | 0.1779% | 5,527 |
| Credit loss provision to net charge-offs | 184.0491% | 2,226 |
| Earnings coverage of net charge-offs (x) | 13.7546% | 1,409 |
| Efficiency ratio | 69.6453% | 4,708 |
| Assets per employee ($millions) | 3.6020% | 4,776 |
| Cash dividends to net income (ytd only)* | 49.1828% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,494 |
| Loan loss allowance to noncurrent loans | 2,622.2222% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 7,445 |
| Noncurrent loans to loans | 0.0448% | 7,320 |
| Net loans and leases to total assets | 67.1547% | 3,886 |
| Net loans and leases to deposits | 75.6828% | 4,800 |
| Net loans and leases to core deposits | 92.0331% | 4,881 |
| Total domestic deposits to total assets | 88.7317% | 1,613 |
| Equity capital to assets | 8.7940% | 5,449 |
| Core capital (leverage) ratio | 8.0373% | 6,104 |
| Tier 1 risk-based capital ratio | 11.3226% | 5,596 |
| Total risk-based capital ratio | 12.4268% | 5,703 |
| Memoranda: | ||
| Average total assets | $137,776,800 | 4,171 |
| Average earning assets | $127,691,800 | 4,142 |
| Average equity | $12,277,600 | 4,690 |
| Average total loans | $91,608,600 | 4,172 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 2,930 |
| Cost of funding earning assets | 1.5563% | 5,606 |
| Net interest margin | 4.2352% | 1,926 |
| Noninterest income to average assets | 1.4151% | 753 |
| Noninterest expense to average assets | 3.7634% | 1,680 |
| Loan and lease loss provision to assets | 0.1626% | 5,726 |
| Net operating income to assets | 1.4035% | 1,023 |
| Return on assets (ROA) | 1.4249% | 1,037 |
| Pretax return on assets | 1.4368% | 1,602 |
| Return on Equity (ROE) | 15.9331% | 667 |
| Retained earnings to average equity (ytd only) | 8.1319% | 1,100 |
| Net charge-offs to loans | 0.1700% | 5,034 |
| Credit loss provision to net charge-offs | 144.7368% | 3,363 |
| Earnings coverage of net charge-offs (x) | 14.0435% | 1,630 |
| Efficiency ratio | 70.4613% | 4,497 |
| Assets per employee ($millions) | 3.7636% | 4,279 |
| Cash dividends to net income (ytd only)* | 48.9629% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,641 |
| 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 | 64.5136% | 4,749 |
| Net loans and leases to deposits | 73.4900% | 5,448 |
| Net loans and leases to core deposits | 89.3550% | 5,498 |
| Total domestic deposits to total assets | 87.7855% | 1,756 |
| Equity capital to assets | 8.3930% | 6,394 |
| Core capital (leverage) ratio | 8.1833% | 6,047 |
| Tier 1 risk-based capital ratio | 11.3139% | 5,624 |
| Total risk-based capital ratio | 12.3617% | 5,796 |
| Memoranda: | ||
| Average total assets | $135,301,000 | 4,243 |
| Average earning assets | $125,423,250 | 4,219 |
| Average equity | $12,100,250 | 4,766 |
| Average total loans | $89,422,250 | 4,265 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8820% | 2,665 |
| Cost of funding earning assets | 1.6052% | 5,724 |
| Net interest margin | 4.2768% | 1,717 |
| Noninterest income to average assets | 1.4099% | 760 |
| Noninterest expense to average assets | 3.8550% | 1,568 |
| Loan and lease loss provision to assets | 0.1613% | 5,455 |
| Net operating income to assets | 1.3242% | 1,181 |
| Return on assets (ROA) | 1.3577% | 1,176 |
| Pretax return on assets | 1.3761% | 1,798 |
| Return on Equity (ROE) | 14.8297% | 861 |
| Retained earnings to average equity (ytd only) | 7.2639% | 1,483 |
| Net charge-offs to loans | 0.1295% | 4,875 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 17.4821% | 1,476 |
| Efficiency ratio | 71.9404% | 4,424 |
| Assets per employee ($millions) | 3.1399% | 5,743 |
| Cash dividends to net income (ytd only)* | 51.0181% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 4,804 |
| Loan loss allowance to noncurrent loans | 109,200.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,674 |
| Noncurrent loans to loans | 0.0011% | 7,578 |
| Net loans and leases to total assets | 66.9442% | 4,369 |
| Net loans and leases to deposits | 77.4489% | 4,951 |
| Net loans and leases to core deposits | 96.7549% | 4,818 |
| Total domestic deposits to total assets | 86.4366% | 2,545 |
| Equity capital to assets | 9.1419% | 5,110 |
| Core capital (leverage) ratio | 8.7361% | 5,030 |
| Tier 1 risk-based capital ratio | 11.9825% | 4,933 |
| Total risk-based capital ratio | 13.1198% | 4,939 |
| Memoranda: | ||
| Average total assets | $130,220,670 | 4,385 |
| Average earning assets | $120,231,000 | 4,360 |
| Average equity | $11,922,000 | 4,832 |
| Average total loans | $86,491,670 | 4,384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 2,868 |
| Cost of funding earning assets | 1.6346% | 5,886 |
| Net interest margin | 4.2512% | 1,744 |
| Noninterest income to average assets | 1.3880% | 732 |
| Noninterest expense to average assets | 3.7684% | 1,531 |
| Loan and lease loss provision to assets | 0.2319% | 4,131 |
| Net operating income to assets | 1.2688% | 1,456 |
| Return on assets (ROA) | 1.3355% | 1,400 |
| Pretax return on assets | 1.3633% | 2,072 |
| Return on Equity (ROE) | 14.5761% | 1,059 |
| Retained earnings to average equity (ytd only) | 7.5243% | 2,011 |
| Net charge-offs to loans | 0.0564% | 4,679 |
| Credit loss provision to net charge-offs | 625.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 41.1667% | 824 |
| Efficiency ratio | 71.1617% | 4,333 |
| Assets per employee ($millions) | 3.2646% | 5,414 |
| Cash dividends to net income (ytd only)* | 48.3796% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 4,182 |
| Loan loss allowance to noncurrent loans | 110,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,672 |
| Noncurrent loans to loans | 0.0012% | 7,588 |
| Net loans and leases to total assets | 65.2249% | 4,761 |
| Net loans and leases to deposits | 75.5424% | 5,285 |
| Net loans and leases to core deposits | 96.3714% | 4,922 |
| Total domestic deposits to total assets | 86.3422% | 2,529 |
| Equity capital to assets | 9.2354% | 5,032 |
| Core capital (leverage) ratio | 8.7721% | 5,031 |
| Tier 1 risk-based capital ratio | 12.0739% | 4,903 |
| Total risk-based capital ratio | 13.2561% | 4,845 |
| Memoranda: | ||
| Average total assets | $129,392,500 | 4,420 |
| Average earning assets | $118,931,500 | 4,418 |
| Average equity | $11,855,000 | 4,878 |
| Average total loans | $85,049,500 | 4,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1476% | 4,788 |
| Cost of funding earning assets | 1.9995% | 6,417 |
| Net interest margin | 4.1481% | 2,512 |
| Noninterest income to average assets | 1.4101% | 727 |
| Noninterest expense to average assets | 3.7740% | 1,806 |
| Loan and lease loss provision to assets | 0.3225% | 3,795 |
| Net operating income to assets | 1.0617% | 2,302 |
| Return on assets (ROA) | 0.3281% | 5,276 |
| Pretax return on assets | 0.3483% | 5,399 |
| Return on Equity (ROE) | 3.7986% | 4,897 |
| Retained earnings to average equity (ytd only) | -1.1667% | 5,646 |
| Net charge-offs to loans | 0.3916% | 2,861 |
| Credit loss provision to net charge-offs | 123.4568% | 4,347 |
| Earnings coverage of net charge-offs (x) | 5.5556% | 3,608 |
| Efficiency ratio | 72.2265% | 3,892 |
| Assets per employee ($millions) | 2.9814% | 6,099 |
| Cash dividends to net income (ytd only)* | 130.7125% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 4,200 |
| Loan loss allowance to noncurrent loans | 104,300.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,668 |
| Noncurrent loans to loans | 0.0012% | 7,565 |
| Net loans and leases to total assets | 64.5679% | 5,158 |
| Net loans and leases to deposits | 74.9559% | 5,738 |
| Net loans and leases to core deposits | 91.8417% | 5,657 |
| Total domestic deposits to total assets | 86.1412% | 2,338 |
| Equity capital to assets | 9.0874% | 5,244 |
| Core capital (leverage) ratio | 8.8807% | 4,923 |
| Tier 1 risk-based capital ratio | 12.0675% | 4,770 |
| Total risk-based capital ratio | 13.2041% | 4,740 |
| Memoranda: | ||
| Average total assets | $124,034,200 | 4,419 |
| Average earning assets | $114,076,800 | 4,412 |
| Average equity | $10,714,400 | 5,210 |
| Average total loans | $82,737,400 | 4,431 |