Home > First New Mexico Bank > Performance and Condition Ratios
First New Mexico 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 | 4.4588% | 3,170 |
| Cost of funding earning assets | 0.5895% | 4,084 |
| Net interest margin | 3.8693% | 1,441 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 2.3541% | 2,711 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.3487% | 1,326 |
| Return on assets (ROA) | 1.3487% | 1,298 |
| Pretax return on assets | 1.7415% | 982 |
| Return on Equity (ROE) | 10.4900% | 2,364 |
| Retained earnings to average equity (ytd only) | 4.3048% | 2,863 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.7022% | 3,528 |
| Assets per employee ($millions) | 8.0896% | 1,389 |
| Cash dividends to net income (ytd only)* | 58.9773% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3285% | 241 |
| Loan loss allowance to noncurrent loans | 57.0172% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 202 |
| Noncurrent loans to loans | 4.0838% | 80 |
| Net loans and leases to total assets | 40.7300% | 4,014 |
| Net loans and leases to deposits | 47.6446% | 4,005 |
| Net loans and leases to core deposits | 48.4793% | 4,110 |
| Total domestic deposits to total assets | 85.4800% | 2,168 |
| Equity capital to assets | 12.6814% | 950 |
| Core capital (leverage) ratio | 13.0224% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $258,104,200 | 2,630 |
| Average earning assets | $240,713,400 | 2,626 |
| Average equity | $33,172,400 | 2,137 |
| Average total loans | $111,454,600 | 3,036 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 3,095 |
| Cost of funding earning assets | 0.4089% | 4,243 |
| Net interest margin | 3.9948% | 1,223 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.4677% | 2,324 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4042% | 1,310 |
| Return on assets (ROA) | 1.4042% | 1,299 |
| Pretax return on assets | 1.8560% | 919 |
| Return on Equity (ROE) | 10.8900% | 2,404 |
| Retained earnings to average equity (ytd only) | 4.7551% | 3,021 |
| Net charge-offs to loans | 0.0215% | 1,675 |
| Credit loss provision to net charge-offs | 944.4444% | 422 |
| Earnings coverage of net charge-offs (x) | 207.3333% | 582 |
| Efficiency ratio | 55.9282% | 3,404 |
| Assets per employee ($millions) | 8.8371% | 989 |
| Cash dividends to net income (ytd only)* | 56.3265% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 312 |
| Loan loss allowance to noncurrent loans | 2,005.8333% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,338 |
| Noncurrent loans to loans | 0.1080% | 3,031 |
| Net loans and leases to total assets | 42.4100% | 3,977 |
| Net loans and leases to deposits | 49.9079% | 3,935 |
| Net loans and leases to core deposits | 50.7018% | 4,021 |
| Total domestic deposits to total assets | 84.9800% | 2,503 |
| Equity capital to assets | 13.1050% | 790 |
| Core capital (leverage) ratio | 13.3943% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $255,890,750 | 2,650 |
| Average earning assets | $238,038,750 | 2,644 |
| Average equity | $33,002,000 | 2,129 |
| Average total loans | $111,489,000 | 3,040 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3426% | 3,016 |
| Cost of funding earning assets | 0.2120% | 4,422 |
| Net interest margin | 4.1306% | 1,038 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.5868% | 1,962 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.4107% | 1,302 |
| Return on assets (ROA) | 1.4107% | 1,287 |
| Pretax return on assets | 1.9041% | 856 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.0537% | 2,921 |
| Net charge-offs to loans | -0.0072% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.2776% | 3,385 |
| Assets per employee ($millions) | 7.5215% | 1,598 |
| Cash dividends to net income (ytd only)* | 54.0466% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 333 |
| Loan loss allowance to noncurrent loans | 981.1475% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,844 |
| Noncurrent loans to loans | 0.2188% | 2,390 |
| Net loans and leases to total assets | 43.9600% | 3,878 |
| Net loans and leases to deposits | 51.8060% | 3,849 |
| Net loans and leases to core deposits | 51.9177% | 3,958 |
| Total domestic deposits to total assets | 84.8500% | 2,584 |
| Equity capital to assets | 13.3847% | 734 |
| Core capital (leverage) ratio | 13.1933% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $255,762,000 | 2,657 |
| Average earning assets | $237,739,000 | 2,653 |
| Average equity | $32,807,667 | 2,145 |
| Average total loans | $111,618,333 | 3,041 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,992 |
| Cost of funding earning assets | 0.1456% | 4,464 |
| Net interest margin | 4.0793% | 1,129 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.3195% | 2,765 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3855% | 1,445 |
| Return on assets (ROA) | 1.3855% | 1,417 |
| Pretax return on assets | 1.7585% | 1,153 |
| Return on Equity (ROE) | 11.0300% | 2,484 |
| Retained earnings to average equity (ytd only) | 5.6809% | 2,852 |
| Net charge-offs to loans | -0.0072% | 3,745 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.6171% | 3,445 |
| Assets per employee ($millions) | 8.0612% | 1,308 |
| Cash dividends to net income (ytd only)* | 48.4983% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0456% | 403 |
| Loan loss allowance to noncurrent loans | 1,113.9423% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 1,360 |
| Noncurrent loans to loans | 0.1836% | 2,561 |
| Net loans and leases to total assets | 43.0100% | 3,907 |
| Net loans and leases to deposits | 50.1018% | 3,883 |
| Net loans and leases to core deposits | 50.2038% | 3,990 |
| Total domestic deposits to total assets | 85.8500% | 2,636 |
| Equity capital to assets | 12.7308% | 820 |
| Core capital (leverage) ratio | 13.3169% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $259,538,500 | 2,671 |
| Average earning assets | $241,806,000 | 2,663 |
| Average equity | $32,600,500 | 2,179 |
| Average total loans | $111,678,000 | 3,082 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 3,000 |
| Cost of funding earning assets | 0.1190% | 4,286 |
| Net interest margin | 3.4109% | 2,219 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.9465% | 3,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2671% | 1,542 |
| Return on assets (ROA) | 1.2671% | 1,492 |
| Pretax return on assets | 1.6278% | 1,085 |
| Return on Equity (ROE) | 10.3900% | 2,680 |
| Retained earnings to average equity (ytd only) | 3.9213% | 3,422 |
| Net charge-offs to loans | 0.0275% | 1,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 152.1429% | 784 |
| Efficiency ratio | 54.4580% | 3,751 |
| Assets per employee ($millions) | 7.6800% | 1,502 |
| Cash dividends to net income (ytd only)* | 62.2437% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 397 |
| Loan loss allowance to noncurrent loans | 1,015.7658% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,346 |
| Noncurrent loans to loans | 0.2017% | 2,481 |
| Net loans and leases to total assets | 41.3000% | 4,017 |
| Net loans and leases to deposits | 47.8537% | 3,980 |
| Net loans and leases to core deposits | 47.8537% | 4,063 |
| Total domestic deposits to total assets | 86.3000% | 2,639 |
| Equity capital to assets | 12.3932% | 828 |
| Core capital (leverage) ratio | 12.2037% | 1,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $261,704,600 | 2,659 |
| Average earning assets | $243,716,800 | 2,654 |
| Average equity | $31,927,800 | 2,245 |
| Average total loans | $101,994,600 | 3,122 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 2,665 |
| Cost of funding earning assets | 0.1143% | 4,161 |
| Net interest margin | 3.3705% | 2,069 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.8794% | 3,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3183% | 1,293 |
| Return on assets (ROA) | 1.3183% | 1,266 |
| Pretax return on assets | 1.6340% | 1,040 |
| Return on Equity (ROE) | 10.8500% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.5003% | 3,287 |
| Net charge-offs to loans | -0.0093% | 3,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.4928% | 3,868 |
| Assets per employee ($millions) | 8.1672% | 1,231 |
| Cash dividends to net income (ytd only)* | 58.5168% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 340 |
| Loan loss allowance to noncurrent loans | 867.4242% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 1,407 |
| Noncurrent loans to loans | 0.2551% | 2,358 |
| Net loans and leases to total assets | 37.5400% | 4,165 |
| Net loans and leases to deposits | 43.1941% | 4,140 |
| Net loans and leases to core deposits | 43.1941% | 4,196 |
| Total domestic deposits to total assets | 86.9200% | 2,791 |
| Equity capital to assets | 11.9350% | 898 |
| Core capital (leverage) ratio | 12.2828% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $261,850,750 | 2,674 |
| Average earning assets | $243,752,750 | 2,667 |
| Average equity | $31,819,500 | 2,287 |
| Average total loans | $99,971,000 | 3,155 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 2,487 |
| Cost of funding earning assets | 0.1131% | 4,043 |
| Net interest margin | 3.2695% | 1,995 |
| Noninterest income to average assets | 0.3941% | 2,790 |
| Noninterest expense to average assets | 1.8165% | 3,912 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2920% | 1,158 |
| Return on assets (ROA) | 1.2920% | 1,140 |
| Pretax return on assets | 1.6113% | 911 |
| Return on Equity (ROE) | 10.5666% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.3276% | 2,961 |
| Net charge-offs to loans | -0.0445% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9928% | 4,046 |
| Assets per employee ($millions) | 7.6906% | 1,485 |
| Cash dividends to net income (ytd only)* | 59.0448% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 313 |
| Loan loss allowance to noncurrent loans | 465.6566% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 1,178 |
| Noncurrent loans to loans | 0.5007% | 1,625 |
| Net loans and leases to total assets | 36.9235% | 4,208 |
| Net loans and leases to deposits | 42.6632% | 4,173 |
| Net loans and leases to core deposits | 42.6632% | 4,241 |
| Total domestic deposits to total assets | 86.5466% | 3,094 |
| Equity capital to assets | 12.3252% | 793 |
| Core capital (leverage) ratio | 12.4110% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,295,000 | 2,714 |
| Average earning assets | $240,586,000 | 2,718 |
| Average equity | $31,703,667 | 2,328 |
| Average total loans | $98,801,333 | 3,202 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4656% | 1,907 |
| Cost of funding earning assets | 0.1140% | 3,961 |
| Net interest margin | 3.3516% | 1,435 |
| Noninterest income to average assets | 0.3826% | 2,797 |
| Noninterest expense to average assets | 1.9225% | 3,629 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2362% | 1,150 |
| Return on assets (ROA) | 1.2362% | 1,139 |
| Pretax return on assets | 1.5569% | 909 |
| Return on Equity (ROE) | 10.1522% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.6512% | 3,054 |
| Net charge-offs to loans | -0.0162% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2538% | 3,942 |
| Assets per employee ($millions) | 7.8995% | 1,433 |
| Cash dividends to net income (ytd only)* | 64.0351% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2929% | 378 |
| Loan loss allowance to noncurrent loans | 937.2951% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,546 |
| Noncurrent loans to loans | 0.2446% | 2,614 |
| Net loans and leases to total assets | 37.3849% | 4,143 |
| Net loans and leases to deposits | 43.0457% | 4,114 |
| Net loans and leases to core deposits | 43.0457% | 4,201 |
| Total domestic deposits to total assets | 86.8492% | 2,979 |
| Equity capital to assets | 12.0257% | 943 |
| Core capital (leverage) ratio | 12.3427% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,202,000 | 2,734 |
| Average earning assets | $238,571,000 | 2,745 |
| Average equity | $31,441,500 | 2,413 |
| Average total loans | $98,775,500 | 3,204 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 2,609 |
| Cost of funding earning assets | 0.1126% | 4,289 |
| Net interest margin | 3.4043% | 2,013 |
| Noninterest income to average assets | 0.4316% | 2,895 |
| Noninterest expense to average assets | 1.9331% | 3,852 |
| Loan and lease loss provision to assets | 0.0405% | 2,232 |
| Net operating income to assets | 1.3301% | 1,519 |
| Return on assets (ROA) | 1.3301% | 1,554 |
| Pretax return on assets | 1.6324% | 1,331 |
| Return on Equity (ROE) | 10.6311% | 2,299 |
| Retained earnings to average equity (ytd only) | 3.6765% | 3,352 |
| Net charge-offs to loans | 0.0241% | 1,762 |
| Credit loss provision to net charge-offs | 384.6154% | 928 |
| Earnings coverage of net charge-offs (x) | 158.7692% | 631 |
| Efficiency ratio | 53.6076% | 3,971 |
| Assets per employee ($millions) | 7.9913% | 1,339 |
| Cash dividends to net income (ytd only)* | 65.4174% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3342% | 364 |
| Loan loss allowance to noncurrent loans | 497.3856% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 1,381 |
| Noncurrent loans to loans | 0.4693% | 1,957 |
| Net loans and leases to total assets | 37.3552% | 4,231 |
| Net loans and leases to deposits | 43.1675% | 4,217 |
| Net loans and leases to core deposits | 43.1675% | 4,296 |
| Total domestic deposits to total assets | 86.5353% | 2,699 |
| Equity capital to assets | 12.3314% | 1,117 |
| Core capital (leverage) ratio | 12.6152% | 896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,754,800 | 2,748 |
| Average earning assets | $230,089,200 | 2,745 |
| Average equity | $30,871,800 | 2,481 |
| Average total loans | $107,889,000 | 3,105 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5129% | 2,791 |
| Cost of funding earning assets | 0.1125% | 4,407 |
| Net interest margin | 3.4004% | 2,153 |
| Noninterest income to average assets | 0.4226% | 2,967 |
| Noninterest expense to average assets | 1.9336% | 3,852 |
| Loan and lease loss provision to assets | 0.0544% | 1,894 |
| Net operating income to assets | 1.3256% | 1,743 |
| Return on assets (ROA) | 1.3256% | 1,803 |
| Pretax return on assets | 1.6146% | 1,651 |
| Return on Equity (ROE) | 10.5557% | 2,535 |
| Retained earnings to average equity (ytd only) | 3.4693% | 3,749 |
| Net charge-offs to loans | 0.0133% | 1,831 |
| Credit loss provision to net charge-offs | 909.0909% | 537 |
| Earnings coverage of net charge-offs (x) | 278.2727% | 457 |
| Efficiency ratio | 53.6703% | 3,846 |
| Assets per employee ($millions) | 7.9248% | 1,306 |
| Cash dividends to net income (ytd only)* | 67.1329% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1324% | 507 |
| Loan loss allowance to noncurrent loans | 468.0244% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 1,484 |
| Noncurrent loans to loans | 0.4556% | 2,197 |
| Net loans and leases to total assets | 42.9304% | 4,028 |
| Net loans and leases to deposits | 49.8261% | 4,014 |
| Net loans and leases to core deposits | 49.8261% | 4,150 |
| Total domestic deposits to total assets | 86.1603% | 2,686 |
| Equity capital to assets | 12.7028% | 1,090 |
| Core capital (leverage) ratio | 12.7411% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,513,250 | 2,787 |
| Average earning assets | $228,672,750 | 2,774 |
| Average equity | $30,706,250 | 2,516 |
| Average total loans | $110,409,250 | 3,110 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 3,136 |
| Cost of funding earning assets | 0.1131% | 4,481 |
| Net interest margin | 3.3021% | 2,428 |
| Noninterest income to average assets | 0.4268% | 2,969 |
| Noninterest expense to average assets | 1.9334% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2879% | 1,898 |
| Return on assets (ROA) | 1.2879% | 1,972 |
| Pretax return on assets | 1.5779% | 1,804 |
| Return on Equity (ROE) | 10.2949% | 2,653 |
| Retained earnings to average equity (ytd only) | 2.1677% | 4,077 |
| Net charge-offs to loans | 0.0341% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 101.3684% | 745 |
| Efficiency ratio | 55.0630% | 3,668 |
| Assets per employee ($millions) | 7.7018% | 1,360 |
| Cash dividends to net income (ytd only)* | 78.9440% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 681 |
| Loan loss allowance to noncurrent loans | 169.5046% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 1,583 |
| Noncurrent loans to loans | 1.1457% | 1,056 |
| Net loans and leases to total assets | 44.8697% | 3,984 |
| Net loans and leases to deposits | 51.9347% | 4,000 |
| Net loans and leases to core deposits | 51.9347% | 4,137 |
| Total domestic deposits to total assets | 86.3964% | 2,594 |
| Equity capital to assets | 12.4724% | 1,143 |
| Core capital (leverage) ratio | 12.4715% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,127,667 | 2,779 |
| Average earning assets | $228,035,667 | 2,774 |
| Average equity | $30,539,333 | 2,510 |
| Average total loans | $111,290,667 | 3,112 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3506% | 3,339 |
| Cost of funding earning assets | 0.1146% | 4,553 |
| Net interest margin | 3.2360% | 2,583 |
| Noninterest income to average assets | 0.4165% | 3,007 |
| Noninterest expense to average assets | 1.8423% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3039% | 1,811 |
| Return on assets (ROA) | 1.3039% | 1,894 |
| Pretax return on assets | 1.5953% | 1,744 |
| Return on Equity (ROE) | 10.4075% | 2,562 |
| Retained earnings to average equity (ytd only) | 0.8542% | 4,242 |
| Net charge-offs to loans | 0.0796% | 803 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 44.0455% | 949 |
| Efficiency ratio | 53.5920% | 3,832 |
| Assets per employee ($millions) | 7.7300% | 1,326 |
| Cash dividends to net income (ytd only)* | 91.7929% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 650 |
| Loan loss allowance to noncurrent loans | 165.6818% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 1,778 |
| Noncurrent loans to loans | 1.1811% | 1,126 |
| Net loans and leases to total assets | 44.2968% | 4,097 |
| Net loans and leases to deposits | 51.1593% | 4,094 |
| Net loans and leases to core deposits | 51.1593% | 4,231 |
| Total domestic deposits to total assets | 86.5859% | 2,489 |
| Equity capital to assets | 12.3189% | 1,143 |
| Core capital (leverage) ratio | 12.5936% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,963,500 | 2,775 |
| Average earning assets | $226,824,000 | 2,771 |
| Average equity | $30,439,500 | 2,509 |
| Average total loans | $110,549,000 | 3,122 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,329 |
| Cost of funding earning assets | 0.1420% | 4,753 |
| Net interest margin | 3.9912% | 987 |
| Noninterest income to average assets | 0.4757% | 2,751 |
| Noninterest expense to average assets | 2.2151% | 3,637 |
| Loan and lease loss provision to assets | 0.2311% | 1,681 |
| Net operating income to assets | 1.4607% | 899 |
| Return on assets (ROA) | 1.4607% | 978 |
| Pretax return on assets | 1.7561% | 756 |
| Return on Equity (ROE) | 10.8490% | 1,686 |
| Retained earnings to average equity (ytd only) | 1.1053% | 4,188 |
| Net charge-offs to loans | -0.0250% | 4,485 |
| Credit loss provision to net charge-offs | -1,976.9231% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7121% | 4,330 |
| Assets per employee ($millions) | 7.2293% | 1,429 |
| Cash dividends to net income (ytd only)* | 89.8122% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0203% | 559 |
| Loan loss allowance to noncurrent loans | 154.6919% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5986% | 1,762 |
| Noncurrent loans to loans | 1.3060% | 1,043 |
| Net loans and leases to total assets | 44.9054% | 4,202 |
| Net loans and leases to deposits | 52.1202% | 4,212 |
| Net loans and leases to core deposits | 52.1202% | 4,332 |
| Total domestic deposits to total assets | 86.1574% | 2,298 |
| Equity capital to assets | 12.7456% | 1,204 |
| Core capital (leverage) ratio | 13.3888% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,430,600 | 2,776 |
| Average earning assets | $207,681,200 | 2,761 |
| Average equity | $29,947,400 | 2,478 |
| Average total loans | $104,159,600 | 3,177 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 3,064 |
| Cost of funding earning assets | 0.1516% | 4,797 |
| Net interest margin | 3.8173% | 1,573 |
| Noninterest income to average assets | 0.4475% | 2,860 |
| Noninterest expense to average assets | 2.2210% | 3,636 |
| Loan and lease loss provision to assets | 0.0389% | 3,861 |
| Net operating income to assets | 1.4292% | 1,037 |
| Return on assets (ROA) | 1.4292% | 1,126 |
| Pretax return on assets | 1.7527% | 864 |
| Return on Equity (ROE) | 10.4626% | 1,853 |
| Retained earnings to average equity (ytd only) | -2.4313% | 4,734 |
| Net charge-offs to loans | -0.0298% | 4,531 |
| Credit loss provision to net charge-offs | -278.2609% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3476% | 3,997 |
| Assets per employee ($millions) | 7.3255% | 1,314 |
| Cash dividends to net income (ytd only)* | 123.2379% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 1,244 |
| Loan loss allowance to noncurrent loans | 129.9778% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 2,000 |
| Noncurrent loans to loans | 1.1899% | 1,277 |
| Net loans and leases to total assets | 47.6868% | 4,228 |
| Net loans and leases to deposits | 55.3029% | 4,289 |
| Net loans and leases to core deposits | 55.3029% | 4,405 |
| Total domestic deposits to total assets | 86.2284% | 1,970 |
| Equity capital to assets | 12.5981% | 1,374 |
| Core capital (leverage) ratio | 13.3300% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,396,250 | 2,791 |
| Average earning assets | $203,976,250 | 2,773 |
| Average equity | $29,832,500 | 2,483 |
| Average total loans | $102,864,750 | 3,201 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 3,050 |
| Cost of funding earning assets | 0.1682% | 4,841 |
| Net interest margin | 3.9348% | 1,480 |
| Noninterest income to average assets | 0.4027% | 3,057 |
| Noninterest expense to average assets | 2.2999% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4090% | 1,097 |
| Return on assets (ROA) | 1.4090% | 1,187 |
| Pretax return on assets | 1.7695% | 861 |
| Return on Equity (ROE) | 10.0292% | 1,975 |
| Retained earnings to average equity (ytd only) | -1.2227% | 4,508 |
| Net charge-offs to loans | -0.0564% | 4,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5167% | 3,884 |
| Assets per employee ($millions) | 6.4866% | 1,792 |
| Cash dividends to net income (ytd only)* | 112.1919% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,063 |
| Loan loss allowance to noncurrent loans | 124.4135% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6669% | 1,843 |
| Noncurrent loans to loans | 1.2669% | 1,229 |
| Net loans and leases to total assets | 46.6747% | 4,328 |
| Net loans and leases to deposits | 54.4975% | 4,359 |
| Net loans and leases to core deposits | 54.4975% | 4,480 |
| Total domestic deposits to total assets | 85.6456% | 2,144 |
| Equity capital to assets | 13.1669% | 1,091 |
| Core capital (leverage) ratio | 13.6558% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,056,000 | 2,810 |
| Average earning assets | $198,537,000 | 2,792 |
| Average equity | $29,932,667 | 2,469 |
| Average total loans | $99,305,667 | 3,246 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 2,587 |
| Cost of funding earning assets | 0.2192% | 4,847 |
| Net interest margin | 4.1897% | 942 |
| Noninterest income to average assets | 0.4251% | 2,938 |
| Noninterest expense to average assets | 2.3119% | 3,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5490% | 699 |
| Return on assets (ROA) | 1.5490% | 768 |
| Pretax return on assets | 2.0090% | 439 |
| Return on Equity (ROE) | 10.6569% | 1,514 |
| Retained earnings to average equity (ytd only) | -3.2986% | 4,383 |
| Net charge-offs to loans | -0.0336% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5040% | 4,432 |
| Assets per employee ($millions) | 5.9390% | 1,730 |
| Cash dividends to net income (ytd only)* | 130.9524% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 770 |
| Loan loss allowance to noncurrent loans | 148.6702% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,149 |
| Noncurrent loans to loans | 1.1817% | 1,394 |
| Net loans and leases to total assets | 45.1166% | 4,464 |
| Net loans and leases to deposits | 53.4605% | 4,468 |
| Net loans and leases to core deposits | 53.4605% | 4,586 |
| Total domestic deposits to total assets | 84.3923% | 2,637 |
| Equity capital to assets | 14.3501% | 942 |
| Core capital (leverage) ratio | 14.1646% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,068,500 | 2,823 |
| Average earning assets | $191,614,500 | 2,820 |
| Average equity | $29,952,500 | 2,457 |
| Average total loans | $95,127,000 | 3,296 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 3,518 |
| Cost of funding earning assets | 0.2513% | 4,848 |
| Net interest margin | 4.0578% | 1,654 |
| Noninterest income to average assets | 0.4791% | 2,859 |
| Noninterest expense to average assets | 2.4079% | 3,669 |
| Loan and lease loss provision to assets | 0.0292% | 3,427 |
| Net operating income to assets | 1.5681% | 897 |
| Return on assets (ROA) | 1.5681% | 960 |
| Pretax return on assets | 1.8123% | 908 |
| Return on Equity (ROE) | 10.9747% | 1,902 |
| Retained earnings to average equity (ytd only) | 5.5982% | 2,101 |
| Net charge-offs to loans | 0.1334% | 1,441 |
| Credit loss provision to net charge-offs | 51.7241% | 3,114 |
| Earnings coverage of net charge-offs (x) | 32.5690% | 1,499 |
| Efficiency ratio | 56.6644% | 4,128 |
| Assets per employee ($millions) | 6.0080% | 1,629 |
| Cash dividends to net income (ytd only)* | 48.9897% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 707 |
| Loan loss allowance to noncurrent loans | 155.1628% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 2,052 |
| Noncurrent loans to loans | 1.1340% | 1,334 |
| Net loans and leases to total assets | 45.5899% | 4,536 |
| Net loans and leases to deposits | 54.2382% | 4,521 |
| Net loans and leases to core deposits | 54.2382% | 4,641 |
| Total domestic deposits to total assets | 84.0550% | 2,835 |
| Equity capital to assets | 14.7236% | 864 |
| Core capital (leverage) ratio | 14.6621% | 758 |
| Tier 1 risk-based capital ratio | 24.8256% | 764 |
| Total risk-based capital ratio | 26.0770% | 746 |
| Memoranda: | ||
| Average total assets | $205,158,600 | 2,802 |
| Average earning assets | $190,620,000 | 2,795 |
| Average equity | $29,313,000 | 2,432 |
| Average total loans | $86,946,600 | 3,467 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 3,552 |
| Cost of funding earning assets | 0.2528% | 4,918 |
| Net interest margin | 4.0867% | 1,652 |
| Noninterest income to average assets | 0.5116% | 2,659 |
| Noninterest expense to average assets | 2.4318% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5905% | 954 |
| Return on assets (ROA) | 1.5905% | 998 |
| Pretax return on assets | 1.8781% | 915 |
| Return on Equity (ROE) | 11.2168% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.3913% | 2,174 |
| Net charge-offs to loans | 0.1977% | 879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 22.9598% | 1,847 |
| Efficiency ratio | 56.4242% | 4,121 |
| Assets per employee ($millions) | 5.8217% | 1,742 |
| Cash dividends to net income (ytd only)* | 43.0204% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 798 |
| Loan loss allowance to noncurrent loans | 527.3927% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 3,441 |
| Noncurrent loans to loans | 0.3248% | 3,369 |
| Net loans and leases to total assets | 45.0025% | 4,654 |
| Net loans and leases to deposits | 53.5341% | 4,650 |
| Net loans and leases to core deposits | 53.5341% | 4,761 |
| Total domestic deposits to total assets | 84.0631% | 2,799 |
| Equity capital to assets | 14.6408% | 942 |
| Core capital (leverage) ratio | 14.8759% | 764 |
| Tier 1 risk-based capital ratio | 22.4605% | 1,017 |
| Total risk-based capital ratio | 23.6824% | 991 |
| Memoranda: | ||
| Average total assets | $205,380,500 | 2,815 |
| Average earning assets | $190,892,000 | 2,810 |
| Average equity | $29,122,250 | 2,455 |
| Average total loans | $84,984,500 | 3,545 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 3,873 |
| Cost of funding earning assets | 0.2581% | 4,934 |
| Net interest margin | 3.9611% | 2,053 |
| Noninterest income to average assets | 0.5585% | 2,351 |
| Noninterest expense to average assets | 2.3893% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5627% | 980 |
| Return on assets (ROA) | 1.5627% | 1,026 |
| Pretax return on assets | 1.8502% | 933 |
| Return on Equity (ROE) | 11.1405% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.4639% | 1,622 |
| Net charge-offs to loans | 0.3187% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 14.5420% | 2,029 |
| Efficiency ratio | 56.3574% | 4,206 |
| Assets per employee ($millions) | 5.8306% | 1,667 |
| Cash dividends to net income (ytd only)* | 33.0019% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 616 |
| Loan loss allowance to noncurrent loans | 451.2748% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,298 |
| Noncurrent loans to loans | 0.4116% | 3,059 |
| Net loans and leases to total assets | 41.2461% | 4,811 |
| Net loans and leases to deposits | 48.9099% | 4,831 |
| Net loans and leases to core deposits | 48.9099% | 4,890 |
| Total domestic deposits to total assets | 84.3309% | 2,749 |
| Equity capital to assets | 14.4622% | 959 |
| Core capital (leverage) ratio | 14.6584% | 785 |
| Tier 1 risk-based capital ratio | 37.3861% | 285 |
| Total risk-based capital ratio | 38.6453% | 282 |
| Memoranda: | ||
| Average total assets | $205,920,670 | 2,820 |
| Average earning assets | $191,363,330 | 2,813 |
| Average equity | $28,885,670 | 2,458 |
| Average total loans | $82,214,330 | 3,615 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 4,065 |
| Cost of funding earning assets | 0.2637% | 4,943 |
| Net interest margin | 3.8602% | 2,315 |
| Noninterest income to average assets | 0.5434% | 2,323 |
| Noninterest expense to average assets | 2.2935% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5567% | 992 |
| Return on assets (ROA) | 1.5567% | 1,020 |
| Pretax return on assets | 1.8449% | 883 |
| Return on Equity (ROE) | 11.2698% | 1,836 |
| Retained earnings to average equity (ytd only) | 3.8359% | 3,384 |
| Net charge-offs to loans | 0.0547% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 86.7273% | 723 |
| Efficiency ratio | 55.4206% | 4,398 |
| Assets per employee ($millions) | 5.7362% | 1,757 |
| Cash dividends to net income (ytd only)* | 65.9627% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1677% | 373 |
| Loan loss allowance to noncurrent loans | 318.4015% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 2,975 |
| Noncurrent loans to loans | 0.6808% | 2,315 |
| Net loans and leases to total assets | 37.4379% | 4,972 |
| Net loans and leases to deposits | 44.1529% | 4,982 |
| Net loans and leases to core deposits | 44.1529% | 5,036 |
| Total domestic deposits to total assets | 84.7914% | 2,755 |
| Equity capital to assets | 13.9025% | 1,076 |
| Core capital (leverage) ratio | 13.8483% | 987 |
| Tier 1 risk-based capital ratio | 37.6551% | 264 |
| Total risk-based capital ratio | 38.9169% | 259 |
| Memoranda: | ||
| Average total assets | $206,846,000 | 2,840 |
| Average earning assets | $192,635,000 | 2,825 |
| Average equity | $28,572,000 | 2,481 |
| Average total loans | $80,439,500 | 3,685 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 4,154 |
| Cost of funding earning assets | 0.2320% | 4,881 |
| Net interest margin | 3.7231% | 2,953 |
| Noninterest income to average assets | 0.4438% | 3,145 |
| Noninterest expense to average assets | 2.0274% | 4,705 |
| Loan and lease loss provision to assets | 0.0556% | 3,054 |
| Net operating income to assets | 1.3890% | 1,467 |
| Return on assets (ROA) | 1.3890% | 1,465 |
| Pretax return on assets | 1.8324% | 846 |
| Return on Equity (ROE) | 10.7366% | 2,194 |
| Retained earnings to average equity (ytd only) | 4.2366% | 3,222 |
| Net charge-offs to loans | 0.0727% | 2,080 |
| Credit loss provision to net charge-offs | 210.5263% | 1,376 |
| Earnings coverage of net charge-offs (x) | 71.4912% | 925 |
| Efficiency ratio | 51.7809% | 4,812 |
| Assets per employee ($millions) | 5.7553% | 1,712 |
| Cash dividends to net income (ytd only)* | 60.5404% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1074% | 400 |
| Loan loss allowance to noncurrent loans | 305.3097% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4214% | 2,876 |
| Noncurrent loans to loans | 0.6902% | 2,264 |
| Net loans and leases to total assets | 38.6751% | 4,993 |
| Net loans and leases to deposits | 45.3967% | 4,998 |
| Net loans and leases to core deposits | 45.3967% | 5,052 |
| Total domestic deposits to total assets | 85.1938% | 2,561 |
| Equity capital to assets | 13.7241% | 1,057 |
| Core capital (leverage) ratio | 13.7215% | 1,004 |
| Tier 1 risk-based capital ratio | 30.5300% | 451 |
| Total risk-based capital ratio | 31.7872% | 444 |
| Memoranda: | ||
| Average total assets | $215,841,400 | 2,725 |
| Average earning assets | $201,258,000 | 2,711 |
| Average equity | $27,923,200 | 2,461 |
| Average total loans | $78,405,000 | 3,696 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,233 |
| Cost of funding earning assets | 0.2218% | 4,932 |
| Net interest margin | 3.6692% | 3,124 |
| Noninterest income to average assets | 0.4342% | 3,259 |
| Noninterest expense to average assets | 1.9742% | 4,785 |
| Loan and lease loss provision to assets | 0.0734% | 2,484 |
| Net operating income to assets | 1.3339% | 1,727 |
| Return on assets (ROA) | 1.3339% | 1,736 |
| Pretax return on assets | 1.8170% | 977 |
| Return on Equity (ROE) | 10.4620% | 2,407 |
| Retained earnings to average equity (ytd only) | 6.3367% | 2,467 |
| Net charge-offs to loans | 0.1032% | 1,456 |
| Credit loss provision to net charge-offs | 200.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 51.5154% | 1,154 |
| Efficiency ratio | 51.0840% | 4,874 |
| Assets per employee ($millions) | 5.8605% | 1,597 |
| Cash dividends to net income (ytd only)* | 39.4315% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0813% | 420 |
| Loan loss allowance to noncurrent loans | 347.8788% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 3,121 |
| Noncurrent loans to loans | 0.5983% | 2,587 |
| Net loans and leases to total assets | 39.4975% | 5,038 |
| Net loans and leases to deposits | 46.4842% | 5,042 |
| Net loans and leases to core deposits | 46.4842% | 5,097 |
| Total domestic deposits to total assets | 84.9696% | 2,618 |
| Equity capital to assets | 13.9306% | 978 |
| Core capital (leverage) ratio | 13.7111% | 1,025 |
| Tier 1 risk-based capital ratio | 29.7553% | 489 |
| Total risk-based capital ratio | 31.0122% | 481 |
| Memoranda: | ||
| Average total assets | $218,004,250 | 2,726 |
| Average earning assets | $203,815,250 | 2,711 |
| Average equity | $27,795,250 | 2,475 |
| Average total loans | $77,542,250 | 3,748 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,396 |
| Cost of funding earning assets | 0.2007% | 5,027 |
| Net interest margin | 3.5778% | 3,394 |
| Noninterest income to average assets | 0.4274% | 3,314 |
| Noninterest expense to average assets | 2.0180% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2578% | 1,952 |
| Return on assets (ROA) | 1.2578% | 1,950 |
| Pretax return on assets | 1.7607% | 1,071 |
| Return on Equity (ROE) | 10.1541% | 2,496 |
| Retained earnings to average equity (ytd only) | 3.9077% | 3,651 |
| Net charge-offs to loans | -0.0158% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4048% | 4,747 |
| Assets per employee ($millions) | 6.0878% | 1,407 |
| Cash dividends to net income (ytd only)* | 61.5165% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 467 |
| Loan loss allowance to noncurrent loans | 323.2558% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 3,081 |
| Noncurrent loans to loans | 0.6378% | 2,518 |
| Net loans and leases to total assets | 37.1888% | 5,147 |
| Net loans and leases to deposits | 43.2704% | 5,165 |
| Net loans and leases to core deposits | 43.2704% | 5,208 |
| Total domestic deposits to total assets | 85.9451% | 2,307 |
| Equity capital to assets | 13.0430% | 1,276 |
| Core capital (leverage) ratio | 12.8761% | 1,287 |
| Tier 1 risk-based capital ratio | 29.0091% | 517 |
| Total risk-based capital ratio | 30.2648% | 509 |
| Memoranda: | ||
| Average total assets | $222,300,000 | 2,709 |
| Average earning assets | $208,231,330 | 2,681 |
| Average equity | $27,535,670 | 2,498 |
| Average total loans | $75,810,330 | 3,812 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 4,632 |
| Cost of funding earning assets | 0.1976% | 5,033 |
| Net interest margin | 3.4356% | 3,757 |
| Noninterest income to average assets | 0.4830% | 2,914 |
| Noninterest expense to average assets | 2.0096% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2551% | 1,789 |
| Return on assets (ROA) | 1.2551% | 1,800 |
| Pretax return on assets | 1.6923% | 1,136 |
| Return on Equity (ROE) | 10.3911% | 2,234 |
| Retained earnings to average equity (ytd only) | 4.5534% | 3,382 |
| Net charge-offs to loans | 0.0164% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 211 |
| Efficiency ratio | 54.2857% | 4,768 |
| Assets per employee ($millions) | 6.5363% | 1,182 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 341 |
| Loan loss allowance to noncurrent loans | 138.3653% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 2,200 |
| Noncurrent loans to loans | 1.6384% | 1,056 |
| Net loans and leases to total assets | 31.2637% | 5,340 |
| Net loans and leases to deposits | 35.8976% | 5,361 |
| Net loans and leases to core deposits | 35.9449% | 5,396 |
| Total domestic deposits to total assets | 87.0914% | 2,086 |
| Equity capital to assets | 12.0488% | 1,751 |
| Core capital (leverage) ratio | 12.1907% | 1,533 |
| Tier 1 risk-based capital ratio | 20.5894% | 1,253 |
| Total risk-based capital ratio | 21.8390% | 1,236 |
| Memoranda: | ||
| Average total assets | $226,914,000 | 2,688 |
| Average earning assets | $212,594,500 | 2,664 |
| Average equity | $27,408,000 | 2,529 |
| Average total loans | $73,262,000 | 3,900 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6111% | 4,552 |
| Cost of funding earning assets | 0.1693% | 5,158 |
| Net interest margin | 3.4418% | 3,715 |
| Noninterest income to average assets | 0.7950% | 1,582 |
| Noninterest expense to average assets | 2.1263% | 4,706 |
| Loan and lease loss provision to assets | 0.2450% | 778 |
| Net operating income to assets | 1.2658% | 1,311 |
| Return on assets (ROA) | 1.2658% | 1,333 |
| Pretax return on assets | 1.6479% | 1,165 |
| Return on Equity (ROE) | 10.5465% | 1,659 |
| Retained earnings to average equity (ytd only) | 1.8666% | 4,194 |
| Net charge-offs to loans | 0.1648% | 1,486 |
| Credit loss provision to net charge-offs | 454.5455% | 691 |
| Earnings coverage of net charge-offs (x) | 35.1240% | 1,371 |
| Efficiency ratio | 52.9034% | 5,048 |
| Assets per employee ($millions) | 6.2516% | 1,349 |
| Cash dividends to net income (ytd only)* | 82.3012% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2661% | 326 |
| Loan loss allowance to noncurrent loans | 139.0795% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7176% | 2,178 |
| Noncurrent loans to loans | 1.6293% | 1,016 |
| Net loans and leases to total assets | 31.8500% | 5,396 |
| Net loans and leases to deposits | 36.5863% | 5,416 |
| Net loans and leases to core deposits | 36.6351% | 5,447 |
| Total domestic deposits to total assets | 87.0544% | 1,968 |
| Equity capital to assets | 12.1089% | 1,757 |
| Core capital (leverage) ratio | 12.2543% | 1,467 |
| Tier 1 risk-based capital ratio | 24.3389% | 790 |
| Total risk-based capital ratio | 25.5919% | 766 |
| Memoranda: | ||
| Average total assets | $224,523,000 | 2,685 |
| Average earning assets | $210,323,600 | 2,662 |
| Average equity | $26,947,400 | 2,551 |
| Average total loans | $73,439,800 | 3,887 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 4,700 |
| Cost of funding earning assets | 0.1832% | 5,116 |
| Net interest margin | 3.3636% | 3,973 |
| Noninterest income to average assets | 0.8295% | 1,477 |
| Noninterest expense to average assets | 2.0262% | 4,899 |
| Loan and lease loss provision to assets | 0.2674% | 620 |
| Net operating income to assets | 1.3256% | 1,262 |
| Return on assets (ROA) | 1.3256% | 1,291 |
| Pretax return on assets | 1.6887% | 1,153 |
| Return on Equity (ROE) | 11.0698% | 1,670 |
| Retained earnings to average equity (ytd only) | 2.1534% | 4,568 |
| Net charge-offs to loans | 0.0181% | 3,132 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 329.2738% | 279 |
| Efficiency ratio | 50.8803% | 5,187 |
| Assets per employee ($millions) | 6.3485% | 1,275 |
| Cash dividends to net income (ytd only)* | 80.5469% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2439% | 379 |
| Loan loss allowance to noncurrent loans | 137.8089% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 2,132 |
| Noncurrent loans to loans | 1.6282% | 1,127 |
| Net loans and leases to total assets | 32.8023% | 5,438 |
| Net loans and leases to deposits | 37.7800% | 5,463 |
| Net loans and leases to core deposits | 37.8312% | 5,493 |
| Total domestic deposits to total assets | 86.8244% | 1,945 |
| Equity capital to assets | 12.2337% | 1,818 |
| Core capital (leverage) ratio | 12.2448% | 1,546 |
| Tier 1 risk-based capital ratio | 23.6897% | 881 |
| Total risk-based capital ratio | 24.9420% | 862 |
| Memoranda: | ||
| Average total assets | $224,389,250 | 2,709 |
| Average earning assets | $210,327,750 | 2,678 |
| Average equity | $26,871,250 | 2,572 |
| Average total loans | $73,464,000 | 3,920 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 4,891 |
| Cost of funding earning assets | 0.1962% | 5,020 |
| Net interest margin | 3.2496% | 4,269 |
| Noninterest income to average assets | 0.4122% | 3,612 |
| Noninterest expense to average assets | 1.8337% | 5,274 |
| Loan and lease loss provision to assets | 0.0444% | 3,103 |
| Net operating income to assets | 1.2429% | 1,465 |
| Return on assets (ROA) | 1.2429% | 1,493 |
| Pretax return on assets | 1.5805% | 1,404 |
| Return on Equity (ROE) | 10.4798% | 1,840 |
| Retained earnings to average equity (ytd only) | 0.6667% | 4,931 |
| Net charge-offs to loans | 0.0547% | 2,148 |
| Credit loss provision to net charge-offs | 250.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 91.4500% | 692 |
| Efficiency ratio | 53.0182% | 5,093 |
| Assets per employee ($millions) | 6.2107% | 1,313 |
| Cash dividends to net income (ytd only)* | 93.6383% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 1,104 |
| Loan loss allowance to noncurrent loans | 119.1509% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 2,339 |
| Noncurrent loans to loans | 1.4045% | 1,365 |
| Net loans and leases to total assets | 33.1910% | 5,474 |
| Net loans and leases to deposits | 38.1898% | 5,504 |
| Net loans and leases to core deposits | 38.1898% | 5,540 |
| Total domestic deposits to total assets | 86.9106% | 1,985 |
| Equity capital to assets | 12.0035% | 1,923 |
| Core capital (leverage) ratio | 12.0690% | 1,592 |
| Tier 1 risk-based capital ratio | 23.9625% | 854 |
| Total risk-based capital ratio | 25.0902% | 850 |
| Memoranda: | ||
| Average total assets | $225,119,670 | 2,722 |
| Average earning assets | $211,038,330 | 2,688 |
| Average equity | $26,699,000 | 2,581 |
| Average total loans | $73,099,000 | 3,943 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3174% | 5,077 |
| Cost of funding earning assets | 0.1757% | 5,188 |
| Net interest margin | 3.1417% | 4,527 |
| Noninterest income to average assets | 0.4268% | 3,466 |
| Noninterest expense to average assets | 1.8682% | 5,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1510% | 1,664 |
| Return on assets (ROA) | 1.1510% | 1,700 |
| Pretax return on assets | 1.5034% | 1,520 |
| Return on Equity (ROE) | 9.7636% | 2,080 |
| Retained earnings to average equity (ytd only) | -3.5750% | 5,304 |
| Net charge-offs to loans | -0.0334% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4097% | 5,002 |
| Assets per employee ($millions) | 5.7324% | 1,702 |
| Cash dividends to net income (ytd only)* | 136.6154% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 1,115 |
| Loan loss allowance to noncurrent loans | 83.9431% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0118% | 1,802 |
| Noncurrent loans to loans | 2.0431% | 867 |
| Net loans and leases to total assets | 31.7603% | 5,546 |
| Net loans and leases to deposits | 36.4760% | 5,567 |
| Net loans and leases to core deposits | 36.4760% | 5,612 |
| Total domestic deposits to total assets | 87.0718% | 2,178 |
| Equity capital to assets | 11.8583% | 1,937 |
| Core capital (leverage) ratio | 11.6681% | 1,846 |
| Tier 1 risk-based capital ratio | 24.2006% | 848 |
| Total risk-based capital ratio | 25.3316% | 843 |
| Memoranda: | ||
| Average total assets | $225,887,000 | 2,741 |
| Average earning assets | $211,733,500 | 2,712 |
| Average equity | $26,629,500 | 2,598 |
| Average total loans | $71,912,000 | 4,006 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 4,490 |
| Cost of funding earning assets | 0.1836% | 5,176 |
| Net interest margin | 3.4239% | 3,733 |
| Noninterest income to average assets | 0.4156% | 3,771 |
| Noninterest expense to average assets | 1.9670% | 5,255 |
| Loan and lease loss provision to assets | 0.1277% | 1,945 |
| Net operating income to assets | 1.2389% | 1,382 |
| Return on assets (ROA) | 1.2389% | 1,469 |
| Pretax return on assets | 1.5195% | 1,531 |
| Return on Equity (ROE) | 10.4176% | 1,798 |
| Retained earnings to average equity (ytd only) | 5.2088% | 2,199 |
| Net charge-offs to loans | 0.1923% | 1,440 |
| Credit loss provision to net charge-offs | 193.1034% | 1,466 |
| Earnings coverage of net charge-offs (x) | 24.9034% | 1,611 |
| Efficiency ratio | 54.4238% | 5,209 |
| Assets per employee ($millions) | 5.5661% | 1,814 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 1,096 |
| Loan loss allowance to noncurrent loans | 173.6620% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 2,754 |
| Noncurrent loans to loans | 0.9919% | 2,107 |
| Net loans and leases to total assets | 30.8257% | 5,628 |
| Net loans and leases to deposits | 35.3229% | 5,657 |
| Net loans and leases to core deposits | 35.3229% | 5,689 |
| Total domestic deposits to total assets | 87.2682% | 1,993 |
| Equity capital to assets | 11.7208% | 1,992 |
| Core capital (leverage) ratio | 11.8649% | 1,686 |
| Tier 1 risk-based capital ratio | 26.1546% | 693 |
| Total risk-based capital ratio | 27.3602% | 670 |
| Memoranda: | ||
| Average total assets | $219,219,200 | 2,768 |
| Average earning assets | $204,797,400 | 2,740 |
| Average equity | $26,071,200 | 2,631 |
| Average total loans | $75,404,200 | 3,914 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5877% | 4,586 |
| Cost of funding earning assets | 0.1855% | 5,215 |
| Net interest margin | 3.4023% | 3,828 |
| Noninterest income to average assets | 0.4191% | 3,787 |
| Noninterest expense to average assets | 2.0531% | 5,100 |
| Loan and lease loss provision to assets | 0.0369% | 3,513 |
| Net operating income to assets | 1.2186% | 1,580 |
| Return on assets (ROA) | 1.2186% | 1,674 |
| Pretax return on assets | 1.5080% | 1,683 |
| Return on Equity (ROE) | 10.2074% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.4769% | 2,495 |
| Net charge-offs to loans | 0.0436% | 2,768 |
| Credit loss provision to net charge-offs | 240.0000% | 1,234 |
| Earnings coverage of net charge-offs (x) | 100.5677% | 653 |
| Efficiency ratio | 57.0623% | 4,948 |
| Assets per employee ($millions) | 5.3504% | 2,003 |
| Cash dividends to net income (ytd only)* | 46.3439% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,832 |
| Loan loss allowance to noncurrent loans | 146.5718% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 2,695 |
| Noncurrent loans to loans | 1.0109% | 2,220 |
| Net loans and leases to total assets | 34.3424% | 5,610 |
| Net loans and leases to deposits | 39.5970% | 5,644 |
| Net loans and leases to core deposits | 39.7449% | 5,687 |
| Total domestic deposits to total assets | 86.7300% | 2,013 |
| Equity capital to assets | 12.0597% | 2,077 |
| Core capital (leverage) ratio | 12.2582% | 1,508 |
| Tier 1 risk-based capital ratio | 26.9090% | 647 |
| Total risk-based capital ratio | 28.0614% | 638 |
| Memoranda: | ||
| Average total assets | $216,971,750 | 2,795 |
| Average earning assets | $202,722,750 | 2,771 |
| Average equity | $25,902,000 | 2,668 |
| Average total loans | $76,360,250 | 3,924 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 4,354 |
| Cost of funding earning assets | 0.1869% | 5,261 |
| Net interest margin | 3.4943% | 3,508 |
| Noninterest income to average assets | 0.4145% | 3,787 |
| Noninterest expense to average assets | 2.1881% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2111% | 1,558 |
| Return on assets (ROA) | 1.2111% | 1,654 |
| Pretax return on assets | 1.4951% | 1,679 |
| Return on Equity (ROE) | 10.1798% | 1,970 |
| Retained earnings to average equity (ytd only) | 6.4469% | 1,895 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4072% | 4,726 |
| Assets per employee ($millions) | 5.5411% | 1,755 |
| Cash dividends to net income (ytd only)* | 36.6692% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,163 |
| Loan loss allowance to noncurrent loans | 100.6416% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.8639% | 2,436 |
| Noncurrent loans to loans | 1.4207% | 1,564 |
| Net loans and leases to total assets | 35.0271% | 5,644 |
| Net loans and leases to deposits | 40.3596% | 5,676 |
| Net loans and leases to core deposits | 40.5123% | 5,726 |
| Total domestic deposits to total assets | 86.7877% | 2,017 |
| Equity capital to assets | 12.1328% | 2,028 |
| Core capital (leverage) ratio | 12.1943% | 1,516 |
| Tier 1 risk-based capital ratio | 23.2113% | 992 |
| Total risk-based capital ratio | 24.1833% | 1,004 |
| Memoranda: | ||
| Average total assets | $216,173,330 | 2,815 |
| Average earning assets | $202,217,000 | 2,790 |
| Average equity | $25,717,670 | 2,690 |
| Average total loans | $76,324,000 | 3,942 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 4,333 |
| Cost of funding earning assets | 0.1896% | 5,290 |
| Net interest margin | 3.5080% | 3,445 |
| Noninterest income to average assets | 0.3571% | 4,173 |
| Noninterest expense to average assets | 2.1923% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1711% | 1,641 |
| Return on assets (ROA) | 1.1711% | 1,748 |
| Pretax return on assets | 1.4504% | 1,747 |
| Return on Equity (ROE) | 9.9423% | 2,006 |
| Retained earnings to average equity (ytd only) | 2.4031% | 4,293 |
| Net charge-offs to loans | -0.0421% | 5,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1828% | 4,719 |
| Assets per employee ($millions) | 5.4726% | 1,852 |
| Cash dividends to net income (ytd only)* | 75.8294% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 2,134 |
| Loan loss allowance to noncurrent loans | 71.9116% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 2,043 |
| Noncurrent loans to loans | 2.0388% | 1,041 |
| Net loans and leases to total assets | 34.8259% | 5,686 |
| Net loans and leases to deposits | 40.0634% | 5,714 |
| Net loans and leases to core deposits | 40.3323% | 5,762 |
| Total domestic deposits to total assets | 86.9270% | 2,241 |
| Equity capital to assets | 11.9682% | 2,048 |
| Core capital (leverage) ratio | 11.7841% | 1,764 |
| Tier 1 risk-based capital ratio | 22.1790% | 1,134 |
| Total risk-based capital ratio | 23.1393% | 1,155 |
| Memoranda: | ||
| Average total assets | $216,209,500 | 2,819 |
| Average earning assets | $202,507,000 | 2,796 |
| Average equity | $25,467,000 | 2,708 |
| Average total loans | $76,090,000 | 3,964 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 4,512 |
| Cost of funding earning assets | 0.2041% | 5,251 |
| Net interest margin | 3.4483% | 3,725 |
| Noninterest income to average assets | 0.4450% | 3,708 |
| Noninterest expense to average assets | 2.1041% | 5,249 |
| Loan and lease loss provision to assets | 0.0535% | 3,246 |
| Net operating income to assets | 1.2155% | 1,496 |
| Return on assets (ROA) | 1.2155% | 1,564 |
| Pretax return on assets | 1.5248% | 1,480 |
| Return on Equity (ROE) | 10.5916% | 1,760 |
| Retained earnings to average equity (ytd only) | 4.0468% | 3,136 |
| Net charge-offs to loans | 0.1401% | 1,946 |
| Credit loss provision to net charge-offs | 111.5385% | 2,266 |
| Earnings coverage of net charge-offs (x) | 32.8750% | 1,362 |
| Efficiency ratio | 57.1393% | 5,244 |
| Assets per employee ($millions) | 5.6150% | 1,691 |
| Cash dividends to net income (ytd only)* | 61.7926% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 2,286 |
| Loan loss allowance to noncurrent loans | 98.0375% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 2,560 |
| Noncurrent loans to loans | 1.4607% | 1,598 |
| Net loans and leases to total assets | 34.5433% | 5,758 |
| Net loans and leases to deposits | 39.5310% | 5,789 |
| Net loans and leases to core deposits | 39.7878% | 5,830 |
| Total domestic deposits to total assets | 87.3828% | 1,940 |
| Equity capital to assets | 11.5943% | 2,282 |
| Core capital (leverage) ratio | 11.8655% | 1,711 |
| Tier 1 risk-based capital ratio | 22.6966% | 1,053 |
| Total risk-based capital ratio | 23.6790% | 1,075 |
| Memoranda: | ||
| Average total assets | $216,623,600 | 2,776 |
| Average earning assets | $203,376,000 | 2,747 |
| Average equity | $24,859,400 | 2,704 |
| Average total loans | $74,223,200 | 3,989 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,603 |
| Cost of funding earning assets | 0.2089% | 5,301 |
| Net interest margin | 3.4314% | 3,832 |
| Noninterest income to average assets | 0.4561% | 3,667 |
| Noninterest expense to average assets | 2.1218% | 5,233 |
| Loan and lease loss provision to assets | 0.0716% | 2,745 |
| Net operating income to assets | 1.1695% | 1,755 |
| Return on assets (ROA) | 1.1695% | 1,826 |
| Pretax return on assets | 1.4862% | 1,719 |
| Return on Equity (ROE) | 10.2181% | 2,011 |
| Retained earnings to average equity (ytd only) | 3.6505% | 3,869 |
| Net charge-offs to loans | 0.1884% | 1,354 |
| Credit loss provision to net charge-offs | 111.5385% | 2,096 |
| Earnings coverage of net charge-offs (x) | 24.2698% | 1,697 |
| Efficiency ratio | 57.6652% | 5,160 |
| Assets per employee ($millions) | 5.3504% | 1,907 |
| Cash dividends to net income (ytd only)* | 64.2745% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 2,658 |
| Loan loss allowance to noncurrent loans | 103.7771% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 2,747 |
| Noncurrent loans to loans | 1.3377% | 1,911 |
| Net loans and leases to total assets | 37.4113% | 5,731 |
| Net loans and leases to deposits | 43.0737% | 5,757 |
| Net loans and leases to core deposits | 43.3690% | 5,811 |
| Total domestic deposits to total assets | 86.8542% | 2,114 |
| Equity capital to assets | 12.0100% | 2,099 |
| Core capital (leverage) ratio | 11.6557% | 1,917 |
| Tier 1 risk-based capital ratio | 18.3178% | 1,948 |
| Total risk-based capital ratio | 19.1211% | 2,029 |
| Memoranda: | ||
| Average total assets | $216,033,000 | 2,804 |
| Average earning assets | $202,941,750 | 2,768 |
| Average equity | $24,726,750 | 2,734 |
| Average total loans | $73,593,000 | 4,043 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 4,854 |
| Cost of funding earning assets | 0.2085% | 5,373 |
| Net interest margin | 3.3441% | 4,127 |
| Noninterest income to average assets | 0.4449% | 3,741 |
| Noninterest expense to average assets | 2.0386% | 5,457 |
| Loan and lease loss provision to assets | 0.1062% | 2,061 |
| Net operating income to assets | 1.1570% | 1,755 |
| Return on assets (ROA) | 1.1570% | 1,822 |
| Pretax return on assets | 1.4417% | 1,831 |
| Return on Equity (ROE) | 10.2700% | 1,948 |
| Retained earnings to average equity (ytd only) | 3.7213% | 3,656 |
| Net charge-offs to loans | 0.3178% | 832 |
| Credit loss provision to net charge-offs | 101.7544% | 2,019 |
| Earnings coverage of net charge-offs (x) | 14.8333% | 2,027 |
| Efficiency ratio | 56.8402% | 5,355 |
| Assets per employee ($millions) | 5.1689% | 2,072 |
| Cash dividends to net income (ytd only)* | 63.7658% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 2,213 |
| Loan loss allowance to noncurrent loans | 111.2360% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.7840% | 3,032 |
| Noncurrent loans to loans | 1.3656% | 1,981 |
| Net loans and leases to total assets | 32.5200% | 5,945 |
| Net loans and leases to deposits | 37.1462% | 5,995 |
| Net loans and leases to core deposits | 37.3888% | 6,038 |
| Total domestic deposits to total assets | 87.5459% | 1,884 |
| Equity capital to assets | 11.4430% | 2,465 |
| Core capital (leverage) ratio | 11.3834% | 2,085 |
| Tier 1 risk-based capital ratio | 18.4046% | 1,948 |
| Total risk-based capital ratio | 19.2114% | 2,027 |
| Memoranda: | ||
| Average total assets | $218,488,330 | 2,800 |
| Average earning assets | $205,256,330 | 2,753 |
| Average equity | $24,615,330 | 2,756 |
| Average total loans | $71,736,000 | 4,118 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5042% | 4,951 |
| Cost of funding earning assets | 0.2110% | 5,406 |
| Net interest margin | 3.2932% | 4,254 |
| Noninterest income to average assets | 0.4526% | 3,620 |
| Noninterest expense to average assets | 2.1078% | 5,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1497% | 1,704 |
| Return on assets (ROA) | 1.1497% | 1,809 |
| Pretax return on assets | 1.4490% | 1,726 |
| Return on Equity (ROE) | 10.2849% | 1,879 |
| Retained earnings to average equity (ytd only) | 3.8201% | 3,714 |
| Net charge-offs to loans | -0.0780% | 5,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2612% | 5,187 |
| Assets per employee ($millions) | 5.2208% | 2,086 |
| Cash dividends to net income (ytd only)* | 62.8571% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 2,178 |
| Loan loss allowance to noncurrent loans | 60.2298% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 2,999 |
| Noncurrent loans to loans | 2.5951% | 921 |
| Net loans and leases to total assets | 31.6222% | 6,012 |
| Net loans and leases to deposits | 36.0583% | 6,056 |
| Net loans and leases to core deposits | 36.2906% | 6,089 |
| Total domestic deposits to total assets | 87.6975% | 1,987 |
| Equity capital to assets | 11.2276% | 2,726 |
| Core capital (leverage) ratio | 9.5066% | 4,267 |
| Tier 1 risk-based capital ratio | 12.0527% | 5,203 |
| Total risk-based capital ratio | 12.6842% | 5,502 |
| Memoranda: | ||
| Average total assets | $219,185,500 | 2,809 |
| Average earning assets | $206,610,000 | 2,766 |
| Average equity | $24,502,000 | 2,788 |
| Average total loans | $71,760,000 | 4,140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,708 |
| Cost of funding earning assets | 0.2878% | 4,924 |
| Net interest margin | 3.4401% | 4,021 |
| Noninterest income to average assets | 0.4480% | 3,842 |
| Noninterest expense to average assets | 2.1995% | 5,359 |
| Loan and lease loss provision to assets | 0.0069% | 4,489 |
| Net operating income to assets | 1.1694% | 1,673 |
| Return on assets (ROA) | 1.1694% | 1,753 |
| Pretax return on assets | 1.4776% | 1,627 |
| Return on Equity (ROE) | 10.6278% | 1,846 |
| Retained earnings to average equity (ytd only) | 5.0763% | 2,547 |
| Net charge-offs to loans | 0.0165% | 4,538 |
| Credit loss provision to net charge-offs | 125.0000% | 1,911 |
| Earnings coverage of net charge-offs (x) | 267.3333% | 203 |
| Efficiency ratio | 59.7036% | 5,260 |
| Assets per employee ($millions) | 5.2166% | 2,054 |
| Cash dividends to net income (ytd only)* | 52.2359% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,544 |
| Loan loss allowance to noncurrent loans | 62.5576% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 3,226 |
| Noncurrent loans to loans | 2.3755% | 1,090 |
| Net loans and leases to total assets | 32.8593% | 6,089 |
| Net loans and leases to deposits | 37.4355% | 6,118 |
| Net loans and leases to core deposits | 37.8394% | 6,153 |
| Total domestic deposits to total assets | 87.7758% | 1,881 |
| Equity capital to assets | 11.1297% | 2,773 |
| Core capital (leverage) ratio | 11.4016% | 2,057 |
| Tier 1 risk-based capital ratio | 16.7310% | 2,632 |
| Total risk-based capital ratio | 17.5139% | 2,777 |
| Memoranda: | ||
| Average total assets | $216,090,600 | 2,824 |
| Average earning assets | $203,277,800 | 2,769 |
| Average equity | $23,777,200 | 2,773 |
| Average total loans | $72,750,800 | 4,103 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 4,764 |
| Cost of funding earning assets | 0.3109% | 4,773 |
| Net interest margin | 3.4211% | 4,145 |
| Noninterest income to average assets | 0.4495% | 3,896 |
| Noninterest expense to average assets | 2.1764% | 5,396 |
| Loan and lease loss provision to assets | 0.0093% | 4,238 |
| Net operating income to assets | 1.1560% | 1,841 |
| Return on assets (ROA) | 1.1560% | 1,903 |
| Pretax return on assets | 1.4798% | 1,714 |
| Return on Equity (ROE) | 10.5365% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.3557% | 2,845 |
| Net charge-offs to loans | 0.0073% | 4,455 |
| Credit loss provision to net charge-offs | 375.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 601.6116% | 128 |
| Efficiency ratio | 59.3750% | 5,266 |
| Assets per employee ($millions) | 5.1666% | 2,053 |
| Cash dividends to net income (ytd only)* | 49.1698% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 2,972 |
| Loan loss allowance to noncurrent loans | 92.4768% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 4,187 |
| Noncurrent loans to loans | 1.5618% | 2,083 |
| Net loans and leases to total assets | 35.2408% | 6,059 |
| Net loans and leases to deposits | 40.2883% | 6,109 |
| Net loans and leases to core deposits | 40.7392% | 6,159 |
| Total domestic deposits to total assets | 87.4716% | 2,047 |
| Equity capital to assets | 11.3897% | 2,597 |
| Core capital (leverage) ratio | 11.3420% | 2,180 |
| Tier 1 risk-based capital ratio | 21.3928% | 1,376 |
| Total risk-based capital ratio | 22.4116% | 1,397 |
| Memoranda: | ||
| Average total assets | $215,338,750 | 2,852 |
| Average earning assets | $202,426,000 | 2,798 |
| Average equity | $23,625,250 | 2,797 |
| Average total loans | $72,668,500 | 4,132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,996 |
| Cost of funding earning assets | 0.3375% | 4,566 |
| Net interest margin | 3.3159% | 4,526 |
| Noninterest income to average assets | 0.4425% | 3,921 |
| Noninterest expense to average assets | 2.0914% | 5,642 |
| Loan and lease loss provision to assets | 0.0139% | 3,982 |
| Net operating income to assets | 1.1048% | 1,927 |
| Return on assets (ROA) | 1.1048% | 1,992 |
| Pretax return on assets | 1.4503% | 1,712 |
| Return on Equity (ROE) | 10.1969% | 2,060 |
| Retained earnings to average equity (ytd only) | 5.0558% | 2,927 |
| Net charge-offs to loans | 0.0335% | 3,538 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 132.0833% | 455 |
| Efficiency ratio | 58.8205% | 5,459 |
| Assets per employee ($millions) | 5.3142% | 1,866 |
| Cash dividends to net income (ytd only)* | 50.4181% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 2,842 |
| Loan loss allowance to noncurrent loans | 90.0498% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 4,277 |
| Noncurrent loans to loans | 1.6792% | 2,066 |
| Net loans and leases to total assets | 32.4638% | 6,226 |
| Net loans and leases to deposits | 36.8885% | 6,271 |
| Net loans and leases to core deposits | 37.1868% | 6,302 |
| Total domestic deposits to total assets | 88.0050% | 1,895 |
| Equity capital to assets | 10.9100% | 2,968 |
| Core capital (leverage) ratio | 11.0459% | 2,376 |
| Tier 1 risk-based capital ratio | 22.0541% | 1,251 |
| Total risk-based capital ratio | 23.1127% | 1,255 |
| Memoranda: | ||
| Average total assets | $216,508,000 | 2,854 |
| Average earning assets | $203,265,330 | 2,802 |
| Average equity | $23,458,000 | 2,804 |
| Average total loans | $71,643,000 | 4,174 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 5,089 |
| Cost of funding earning assets | 0.3677% | 4,345 |
| Net interest margin | 3.2562% | 4,719 |
| Noninterest income to average assets | 0.4355% | 3,904 |
| Noninterest expense to average assets | 1.9702% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0509% | 2,006 |
| Return on assets (ROA) | 1.0509% | 2,073 |
| Pretax return on assets | 1.5179% | 1,383 |
| Return on Equity (ROE) | 9.7333% | 2,138 |
| Retained earnings to average equity (ytd only) | 4.2401% | 3,587 |
| Net charge-offs to loans | -0.0056% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4825% | 5,799 |
| Assets per employee ($millions) | 5.2528% | 1,959 |
| Cash dividends to net income (ytd only)* | 56.4374% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 2,899 |
| Loan loss allowance to noncurrent loans | 93.9341% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 4,240 |
| Noncurrent loans to loans | 1.6555% | 2,341 |
| Net loans and leases to total assets | 31.8628% | 6,271 |
| Net loans and leases to deposits | 36.2101% | 6,309 |
| Net loans and leases to core deposits | 36.5058% | 6,353 |
| Total domestic deposits to total assets | 87.9943% | 2,238 |
| Equity capital to assets | 10.8769% | 2,849 |
| Core capital (leverage) ratio | 10.8816% | 2,508 |
| Tier 1 risk-based capital ratio | 21.9609% | 1,296 |
| Total risk-based capital ratio | 23.0287% | 1,303 |
| Memoranda: | ||
| Average total assets | $215,820,500 | 2,876 |
| Average earning assets | $202,321,500 | 2,828 |
| Average equity | $23,301,500 | 2,813 |
| Average total loans | $71,555,000 | 4,216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,794 |
| Cost of funding earning assets | 0.4204% | 4,430 |
| Net interest margin | 3.6661% | 3,195 |
| Noninterest income to average assets | 0.4588% | 4,029 |
| Noninterest expense to average assets | 2.2543% | 5,494 |
| Loan and lease loss provision to assets | 0.0659% | 3,812 |
| Net operating income to assets | 1.1620% | 1,713 |
| Return on assets (ROA) | 1.1620% | 1,773 |
| Pretax return on assets | 1.5693% | 1,250 |
| Return on Equity (ROE) | 10.7989% | 1,829 |
| Retained earnings to average equity (ytd only) | 5.5414% | 2,250 |
| Net charge-offs to loans | -0.0028% | 5,873 |
| Credit loss provision to net charge-offs | -6,900.0000% | 6,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9600% | 5,742 |
| Assets per employee ($millions) | 5.2750% | 1,882 |
| Cash dividends to net income (ytd only)* | 48.6853% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 3,306 |
| Loan loss allowance to noncurrent loans | 429.7619% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 5,655 |
| Noncurrent loans to loans | 0.3433% | 5,157 |
| Net loans and leases to total assets | 33.4395% | 6,319 |
| Net loans and leases to deposits | 37.9382% | 6,367 |
| Net loans and leases to core deposits | 38.1566% | 6,411 |
| Total domestic deposits to total assets | 88.1421% | 2,096 |
| Equity capital to assets | 10.7168% | 2,916 |
| Core capital (leverage) ratio | 11.0558% | 2,336 |
| Tier 1 risk-based capital ratio | 21.0832% | 1,404 |
| Total risk-based capital ratio | 22.1183% | 1,433 |
| Memoranda: | ||
| Average total assets | $209,462,600 | 2,919 |
| Average earning assets | $196,011,600 | 2,876 |
| Average equity | $22,539,400 | 2,874 |
| Average total loans | $71,466,600 | 4,207 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 3,792 |
| Cost of funding earning assets | 0.4358% | 4,442 |
| Net interest margin | 3.6572% | 3,205 |
| Noninterest income to average assets | 0.4454% | 4,188 |
| Noninterest expense to average assets | 2.2782% | 5,411 |
| Loan and lease loss provision to assets | 0.0501% | 4,011 |
| Net operating income to assets | 1.1513% | 1,805 |
| Return on assets (ROA) | 1.1513% | 1,883 |
| Pretax return on assets | 1.5421% | 1,492 |
| Return on Equity (ROE) | 10.6880% | 1,926 |
| Retained earnings to average equity (ytd only) | 5.4095% | 2,792 |
| Net charge-offs to loans | 0.0150% | 4,829 |
| Credit loss provision to net charge-offs | 975.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 310.0206% | 192 |
| Efficiency ratio | 58.8625% | 5,576 |
| Assets per employee ($millions) | 5.0217% | 2,136 |
| Cash dividends to net income (ytd only)* | 49.3867% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,316 |
| Loan loss allowance to noncurrent loans | 334.3234% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 5,704 |
| Noncurrent loans to loans | 0.3930% | 5,215 |
| Net loans and leases to total assets | 36.9529% | 6,226 |
| Net loans and leases to deposits | 42.1654% | 6,294 |
| Net loans and leases to core deposits | 42.3607% | 6,377 |
| Total domestic deposits to total assets | 87.6380% | 2,338 |
| Equity capital to assets | 11.0919% | 2,676 |
| Core capital (leverage) ratio | 11.0065% | 2,473 |
| Tier 1 risk-based capital ratio | 20.6129% | 1,575 |
| Total risk-based capital ratio | 21.5769% | 1,621 |
| Memoranda: | ||
| Average total assets | $207,759,000 | 2,953 |
| Average earning assets | $194,570,000 | 2,923 |
| Average equity | $22,379,750 | 2,914 |
| Average total loans | $70,982,000 | 4,262 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0077% | 4,080 |
| Cost of funding earning assets | 0.4591% | 4,324 |
| Net interest margin | 3.5486% | 3,568 |
| Noninterest income to average assets | 0.4559% | 4,126 |
| Noninterest expense to average assets | 2.2747% | 5,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1479% | 1,754 |
| Return on assets (ROA) | 1.1479% | 1,872 |
| Pretax return on assets | 1.5049% | 1,603 |
| Return on Equity (ROE) | 10.7615% | 1,896 |
| Retained earnings to average equity (ytd only) | 5.6867% | 2,617 |
| Net charge-offs to loans | 0.0058% | 4,777 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 784.0000% | 44 |
| Efficiency ratio | 60.1828% | 5,462 |
| Assets per employee ($millions) | 5.3490% | 1,743 |
| Cash dividends to net income (ytd only)* | 47.1572% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,413 |
| Loan loss allowance to noncurrent loans | 144.5469% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 5,368 |
| Noncurrent loans to loans | 0.9118% | 4,104 |
| Net loans and leases to total assets | 33.7756% | 6,426 |
| Net loans and leases to deposits | 38.3694% | 6,473 |
| Net loans and leases to core deposits | 38.5436% | 6,522 |
| Total domestic deposits to total assets | 88.0275% | 2,225 |
| Equity capital to assets | 10.8148% | 2,928 |
| Core capital (leverage) ratio | 10.8478% | 2,504 |
| Tier 1 risk-based capital ratio | 21.2581% | 1,434 |
| Total risk-based capital ratio | 22.1966% | 1,480 |
| Memoranda: | ||
| Average total assets | $208,382,330 | 2,964 |
| Average earning assets | $195,173,670 | 2,925 |
| Average equity | $22,227,330 | 2,957 |
| Average total loans | $68,944,330 | 4,349 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 4,169 |
| Cost of funding earning assets | 0.4889% | 4,193 |
| Net interest margin | 3.5001% | 3,697 |
| Noninterest income to average assets | 0.4667% | 4,014 |
| Noninterest expense to average assets | 2.2798% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0583% | 2,001 |
| Return on assets (ROA) | 1.0583% | 2,119 |
| Pretax return on assets | 1.4597% | 1,685 |
| Return on Equity (ROE) | 9.9907% | 2,065 |
| Retained earnings to average equity (ytd only) | 4.7687% | 3,378 |
| Net charge-offs to loans | -0.0059% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9656% | 5,448 |
| Assets per employee ($millions) | 5.3706% | 1,779 |
| Cash dividends to net income (ytd only)* | 52.2686% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,144 |
| Loan loss allowance to noncurrent loans | 233.0864% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 5,810 |
| Noncurrent loans to loans | 0.6085% | 4,924 |
| Net loans and leases to total assets | 31.3273% | 6,545 |
| Net loans and leases to deposits | 35.4790% | 6,592 |
| Net loans and leases to core deposits | 35.5905% | 6,633 |
| Total domestic deposits to total assets | 88.2981% | 2,129 |
| Equity capital to assets | 10.5952% | 3,439 |
| Core capital (leverage) ratio | 10.6219% | 2,634 |
| Tier 1 risk-based capital ratio | 10.5331% | 6,569 |
| Total risk-based capital ratio | 11.0073% | 6,710 |
| Memoranda: | ||
| Average total assets | $208,267,500 | 2,994 |
| Average earning assets | $194,739,000 | 2,960 |
| Average equity | $22,060,500 | 3,021 |
| Average total loans | $67,716,000 | 4,433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 3,142 |
| Cost of funding earning assets | 0.4958% | 5,247 |
| Net interest margin | 4.0704% | 2,119 |
| Noninterest income to average assets | 0.5499% | 3,581 |
| Noninterest expense to average assets | 2.5617% | 4,895 |
| Loan and lease loss provision to assets | 0.0280% | 5,545 |
| Net operating income to assets | 1.1811% | 1,659 |
| Return on assets (ROA) | 1.1811% | 1,820 |
| Pretax return on assets | 1.7646% | 988 |
| Return on Equity (ROE) | 10.8753% | 1,841 |
| Retained earnings to average equity (ytd only) | 5.4142% | 2,434 |
| Net charge-offs to loans | 0.2558% | 3,410 |
| Credit loss provision to net charge-offs | 31.4286% | 5,095 |
| Earnings coverage of net charge-offs (x) | 20.1371% | 1,366 |
| Efficiency ratio | 58.8318% | 5,721 |
| Assets per employee ($millions) | 5.1771% | 2,015 |
| Cash dividends to net income (ytd only)* | 50.2153% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,312 |
| Loan loss allowance to noncurrent loans | 230.0000% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 5,925 |
| Noncurrent loans to loans | 0.5953% | 5,034 |
| Net loans and leases to total assets | 32.8029% | 6,598 |
| Net loans and leases to deposits | 37.1426% | 6,659 |
| Net loans and leases to core deposits | 37.4182% | 6,696 |
| Total domestic deposits to total assets | 88.3162% | 2,019 |
| Equity capital to assets | 10.5895% | 3,412 |
| Core capital (leverage) ratio | 11.0689% | 2,199 |
| Tier 1 risk-based capital ratio | 21.0340% | 1,454 |
| Total risk-based capital ratio | 21.9913% | 1,490 |
| Memoranda: | ||
| Average total assets | $196,588,400 | 3,089 |
| Average earning assets | $183,742,600 | 3,044 |
| Average equity | $21,351,200 | 3,061 |
| Average total loans | $68,418,600 | 4,407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 3,876 |
| Cost of funding earning assets | 0.5014% | 5,424 |
| Net interest margin | 3.9404% | 2,753 |
| Noninterest income to average assets | 0.5444% | 3,646 |
| Noninterest expense to average assets | 2.3749% | 5,473 |
| Loan and lease loss provision to assets | 0.0378% | 5,304 |
| Net operating income to assets | 1.1995% | 1,741 |
| Return on assets (ROA) | 1.1995% | 1,917 |
| Pretax return on assets | 1.8161% | 1,002 |
| Return on Equity (ROE) | 10.9711% | 1,970 |
| Retained earnings to average equity (ytd only) | 5.4824% | 3,049 |
| Net charge-offs to loans | 0.2889% | 2,992 |
| Credit loss provision to net charge-offs | 37.1622% | 4,676 |
| Earnings coverage of net charge-offs (x) | 18.2228% | 1,574 |
| Efficiency ratio | 56.1606% | 6,037 |
| Assets per employee ($millions) | 4.7600% | 2,518 |
| Cash dividends to net income (ytd only)* | 50.0286% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 4,565 |
| Loan loss allowance to noncurrent loans | 621.7949% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 6,307 |
| Noncurrent loans to loans | 0.2175% | 6,068 |
| Net loans and leases to total assets | 37.1544% | 6,473 |
| Net loans and leases to deposits | 42.5490% | 6,572 |
| Net loans and leases to core deposits | 42.8825% | 6,635 |
| Total domestic deposits to total assets | 87.3214% | 2,489 |
| Equity capital to assets | 11.3682% | 2,881 |
| Core capital (leverage) ratio | 11.1623% | 2,244 |
| Tier 1 risk-based capital ratio | 20.9078% | 1,546 |
| Total risk-based capital ratio | 21.8979% | 1,578 |
| Memoranda: | ||
| Average total assets | $193,965,000 | 3,159 |
| Average earning assets | $181,365,250 | 3,100 |
| Average equity | $21,206,750 | 3,103 |
| Average total loans | $68,305,250 | 4,457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 3,218 |
| Cost of funding earning assets | 0.5111% | 5,546 |
| Net interest margin | 4.1217% | 2,003 |
| Noninterest income to average assets | 0.5268% | 3,741 |
| Noninterest expense to average assets | 2.5611% | 4,917 |
| Loan and lease loss provision to assets | 0.0154% | 5,467 |
| Net operating income to assets | 1.1888% | 1,753 |
| Return on assets (ROA) | 1.1888% | 1,951 |
| Pretax return on assets | 1.8017% | 1,040 |
| Return on Equity (ROE) | 11.0158% | 1,988 |
| Retained earnings to average equity (ytd only) | 5.4794% | 3,000 |
| Net charge-offs to loans | 0.5747% | 1,878 |
| Credit loss provision to net charge-offs | 7.7720% | 4,759 |
| Earnings coverage of net charge-offs (x) | 9.1865% | 2,197 |
| Efficiency ratio | 58.4972% | 5,802 |
| Assets per employee ($millions) | 4.7703% | 2,481 |
| Cash dividends to net income (ytd only)* | 50.2586% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,891 |
| Loan loss allowance to noncurrent loans | 921.8750% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 6,481 |
| Noncurrent loans to loans | 0.1410% | 6,310 |
| Net loans and leases to total assets | 34.3643% | 6,712 |
| Net loans and leases to deposits | 39.0445% | 6,765 |
| Net loans and leases to core deposits | 39.3393% | 6,819 |
| Total domestic deposits to total assets | 88.0132% | 2,133 |
| Equity capital to assets | 10.9162% | 3,208 |
| Core capital (leverage) ratio | 10.9112% | 2,382 |
| Tier 1 risk-based capital ratio | 21.0409% | 1,474 |
| Total risk-based capital ratio | 21.9673% | 1,508 |
| Memoranda: | ||
| Average total assets | $195,153,330 | 3,150 |
| Average earning assets | $182,353,000 | 3,095 |
| Average equity | $21,060,670 | 3,102 |
| Average total loans | $67,169,670 | 4,518 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 3,395 |
| Cost of funding earning assets | 0.5264% | 5,625 |
| Net interest margin | 4.0963% | 2,102 |
| Noninterest income to average assets | 0.4904% | 3,975 |
| Noninterest expense to average assets | 2.5054% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1881% | 1,773 |
| Return on assets (ROA) | 1.1881% | 1,956 |
| Pretax return on assets | 1.8016% | 1,068 |
| Return on Equity (ROE) | 11.0729% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.4695% | 3,279 |
| Net charge-offs to loans | -0.0120% | 6,004 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1706% | 5,893 |
| Assets per employee ($millions) | 4.7750% | 2,552 |
| Cash dividends to net income (ytd only)* | 50.6045% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 3,585 |
| Loan loss allowance to noncurrent loans | 102.3055% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 5,388 |
| Noncurrent loans to loans | 1.6010% | 3,719 |
| Net loans and leases to total assets | 32.6679% | 6,793 |
| Net loans and leases to deposits | 36.9887% | 6,855 |
| Net loans and leases to core deposits | 37.3211% | 6,901 |
| Total domestic deposits to total assets | 88.3186% | 2,120 |
| Equity capital to assets | 10.7568% | 3,200 |
| Core capital (leverage) ratio | 10.8235% | 2,419 |
| Tier 1 risk-based capital ratio | 21.2368% | 1,442 |
| Total risk-based capital ratio | 22.3662% | 1,438 |
| Memoranda: | ||
| Average total assets | $194,939,500 | 3,170 |
| Average earning assets | $181,625,500 | 3,127 |
| Average equity | $20,916,000 | 3,114 |
| Average total loans | $66,707,000 | 4,556 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 2,799 |
| Cost of funding earning assets | 0.8878% | 4,204 |
| Net interest margin | 4.1303% | 2,306 |
| Noninterest income to average assets | 0.5185% | 3,732 |
| Noninterest expense to average assets | 2.2917% | 6,056 |
| Loan and lease loss provision to assets | 0.1805% | 4,389 |
| Net operating income to assets | 1.2049% | 1,499 |
| Return on assets (ROA) | 1.2049% | 1,609 |
| Pretax return on assets | 1.8404% | 745 |
| Return on Equity (ROE) | 11.5040% | 1,556 |
| Retained earnings to average equity (ytd only) | 8.6581% | 891 |
| Net charge-offs to loans | 0.3167% | 3,811 |
| Credit loss provision to net charge-offs | 157.0776% | 1,781 |
| Earnings coverage of net charge-offs (x) | 17.5845% | 1,263 |
| Efficiency ratio | 53.1394% | 6,598 |
| Assets per employee ($millions) | 5.1081% | 2,047 |
| Cash dividends to net income (ytd only)* | 24.7387% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,778 |
| Loan loss allowance to noncurrent loans | 109.0256% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5353% | 5,634 |
| Noncurrent loans to loans | 1.4256% | 4,022 |
| Net loans and leases to total assets | 34.6877% | 6,836 |
| Net loans and leases to deposits | 39.1826% | 6,917 |
| Net loans and leases to core deposits | 39.5972% | 6,956 |
| Total domestic deposits to total assets | 88.5284% | 1,838 |
| Equity capital to assets | 10.7019% | 3,302 |
| Core capital (leverage) ratio | 10.7796% | 2,448 |
| Tier 1 risk-based capital ratio | 20.5387% | 1,514 |
| Total risk-based capital ratio | 21.6440% | 1,520 |
| Memoranda: | ||
| Average total assets | $190,554,000 | 3,179 |
| Average earning assets | $175,048,200 | 3,158 |
| Average equity | $19,958,200 | 3,156 |
| Average total loans | $69,145,600 | 4,527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 2,567 |
| Cost of funding earning assets | 0.9896% | 3,753 |
| Net interest margin | 4.1192% | 2,395 |
| Noninterest income to average assets | 0.5293% | 3,657 |
| Noninterest expense to average assets | 2.2355% | 6,202 |
| Loan and lease loss provision to assets | 0.2418% | 3,587 |
| Net operating income to assets | 1.2014% | 1,649 |
| Return on assets (ROA) | 1.2014% | 1,760 |
| Pretax return on assets | 1.8326% | 898 |
| Return on Equity (ROE) | 11.5346% | 1,676 |
| Retained earnings to average equity (ytd only) | 9.6583% | 939 |
| Net charge-offs to loans | 0.1981% | 4,212 |
| Credit loss provision to net charge-offs | 333.9806% | 845 |
| Earnings coverage of net charge-offs (x) | 28.6505% | 959 |
| Efficiency ratio | 51.8676% | 6,692 |
| Assets per employee ($millions) | 5.0320% | 2,152 |
| Cash dividends to net income (ytd only)* | 16.2669% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,279 |
| Loan loss allowance to noncurrent loans | 113.1478% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 5,689 |
| Noncurrent loans to loans | 1.5008% | 4,040 |
| Net loans and leases to total assets | 35.6935% | 6,881 |
| Net loans and leases to deposits | 40.3300% | 6,966 |
| Net loans and leases to core deposits | 40.7618% | 7,017 |
| Total domestic deposits to total assets | 88.5036% | 1,758 |
| Equity capital to assets | 10.7083% | 3,462 |
| Core capital (leverage) ratio | 10.5848% | 2,776 |
| Tier 1 risk-based capital ratio | 20.0592% | 1,669 |
| Total risk-based capital ratio | 21.2680% | 1,652 |
| Memoranda: | ||
| Average total assets | $189,666,000 | 3,206 |
| Average earning assets | $174,076,000 | 3,180 |
| Average equity | $19,754,500 | 3,184 |
| Average total loans | $69,333,500 | 4,555 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1126% | 2,621 |
| Cost of funding earning assets | 1.0310% | 3,737 |
| Net interest margin | 4.0816% | 2,484 |
| Noninterest income to average assets | 0.5361% | 3,589 |
| Noninterest expense to average assets | 2.3051% | 6,112 |
| Loan and lease loss provision to assets | 0.1501% | 4,432 |
| Net operating income to assets | 1.1948% | 1,588 |
| Return on assets (ROA) | 1.1948% | 1,671 |
| Pretax return on assets | 1.8271% | 832 |
| Return on Equity (ROE) | 11.5814% | 1,611 |
| Retained earnings to average equity (ytd only) | 8.7322% | 1,197 |
| Net charge-offs to loans | 0.2569% | 3,600 |
| Credit loss provision to net charge-offs | 159.5506% | 1,905 |
| Earnings coverage of net charge-offs (x) | 21.0112% | 1,168 |
| Efficiency ratio | 53.8272% | 6,636 |
| Assets per employee ($millions) | 5.0173% | 2,099 |
| Cash dividends to net income (ytd only)* | 24.6018% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 4,458 |
| Loan loss allowance to noncurrent loans | 103.2292% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 5,942 |
| Noncurrent loans to loans | 1.3810% | 4,341 |
| Net loans and leases to total assets | 35.0201% | 7,017 |
| Net loans and leases to deposits | 39.3690% | 7,084 |
| Net loans and leases to core deposits | 39.7771% | 7,130 |
| Total domestic deposits to total assets | 88.9537% | 1,562 |
| Equity capital to assets | 10.1683% | 3,919 |
| Core capital (leverage) ratio | 10.3688% | 2,858 |
| Tier 1 risk-based capital ratio | 19.3579% | 1,748 |
| Total risk-based capital ratio | 20.3755% | 1,766 |
| Memoranda: | ||
| Average total assets | $189,149,000 | 3,236 |
| Average earning assets | $173,609,670 | 3,210 |
| Average equity | $19,514,000 | 3,199 |
| Average total loans | $69,301,000 | 4,602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 1,962 |
| Cost of funding earning assets | 1.0342% | 3,961 |
| Net interest margin | 4.2397% | 1,785 |
| Noninterest income to average assets | 0.4842% | 4,014 |
| Noninterest expense to average assets | 2.3326% | 6,098 |
| Loan and lease loss provision to assets | 0.2216% | 3,443 |
| Net operating income to assets | 1.1943% | 1,537 |
| Return on assets (ROA) | 1.1943% | 1,582 |
| Pretax return on assets | 1.8377% | 760 |
| Return on Equity (ROE) | 11.4892% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.4892% | 813 |
| Net charge-offs to loans | 0.4162% | 2,437 |
| Credit loss provision to net charge-offs | 143.0556% | 1,971 |
| Earnings coverage of net charge-offs (x) | 13.2917% | 1,446 |
| Efficiency ratio | 53.1112% | 6,773 |
| Assets per employee ($millions) | 4.8233% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,562 |
| Loan loss allowance to noncurrent loans | 166.4948% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 6,392 |
| Noncurrent loans to loans | 0.8538% | 5,338 |
| Net loans and leases to total assets | 35.7227% | 7,016 |
| Net loans and leases to deposits | 40.3347% | 7,083 |
| Net loans and leases to core deposits | 40.7078% | 7,144 |
| Total domestic deposits to total assets | 88.5657% | 2,038 |
| Equity capital to assets | 10.4194% | 3,265 |
| Core capital (leverage) ratio | 10.5590% | 2,549 |
| Tier 1 risk-based capital ratio | 19.5101% | 1,694 |
| Total risk-based capital ratio | 20.5294% | 1,707 |
| Memoranda: | ||
| Average total assets | $185,885,500 | 3,300 |
| Average earning assets | $171,332,000 | 3,278 |
| Average equity | $19,322,500 | 3,219 |
| Average total loans | $69,193,000 | 4,642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5562% | 2,064 |
| Cost of funding earning assets | 1.1493% | 4,853 |
| Net interest margin | 4.4069% | 1,448 |
| Noninterest income to average assets | 0.5691% | 3,681 |
| Noninterest expense to average assets | 2.4468% | 5,954 |
| Loan and lease loss provision to assets | 0.0705% | 6,436 |
| Net operating income to assets | 1.3332% | 1,099 |
| Return on assets (ROA) | 1.3332% | 1,171 |
| Pretax return on assets | 2.0627% | 424 |
| Return on Equity (ROE) | 12.2023% | 1,279 |
| Retained earnings to average equity (ytd only) | 3.7252% | 3,258 |
| Net charge-offs to loans | 0.3270% | 4,375 |
| Credit loss provision to net charge-offs | 52.8634% | 6,220 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,245 |
| Efficiency ratio | 53.4240% | 6,856 |
| Assets per employee ($millions) | 4.8332% | 2,375 |
| Cash dividends to net income (ytd only)* | 69.4714% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,823 |
| Loan loss allowance to noncurrent loans | 65.8708% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8744% | 5,265 |
| Noncurrent loans to loans | 2.0279% | 3,523 |
| Net loans and leases to total assets | 37.7222% | 7,086 |
| Net loans and leases to deposits | 42.5199% | 7,167 |
| Net loans and leases to core deposits | 42.7225% | 7,238 |
| Total domestic deposits to total assets | 88.7167% | 1,815 |
| Equity capital to assets | 10.3696% | 3,308 |
| Core capital (leverage) ratio | 10.8512% | 2,268 |
| Tier 1 risk-based capital ratio | 20.7999% | 1,346 |
| Total risk-based capital ratio | 21.8844% | 1,359 |
| Memoranda: | ||
| Average total assets | $170,264,600 | 3,529 |
| Average earning assets | $154,962,400 | 3,545 |
| Average equity | $18,603,000 | 3,335 |
| Average total loans | $69,426,800 | 4,701 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 1,979 |
| Cost of funding earning assets | 1.1602% | 5,086 |
| Net interest margin | 4.4629% | 1,339 |
| Noninterest income to average assets | 0.5687% | 3,661 |
| Noninterest expense to average assets | 2.5314% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3699% | 1,172 |
| Return on assets (ROA) | 1.3699% | 1,254 |
| Pretax return on assets | 2.0872% | 520 |
| Return on Equity (ROE) | 12.3651% | 1,410 |
| Retained earnings to average equity (ytd only) | 3.0642% | 4,290 |
| Net charge-offs to loans | 0.0963% | 5,571 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 52.2560% | 551 |
| Efficiency ratio | 54.8080% | 6,711 |
| Assets per employee ($millions) | 4.3612% | 3,144 |
| Cash dividends to net income (ytd only)* | 75.2188% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 4,609 |
| Loan loss allowance to noncurrent loans | 81.9605% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 5,458 |
| Noncurrent loans to loans | 1.6756% | 4,128 |
| Net loans and leases to total assets | 42.0114% | 6,977 |
| Net loans and leases to deposits | 47.8706% | 7,091 |
| Net loans and leases to core deposits | 48.1188% | 7,199 |
| Total domestic deposits to total assets | 87.7604% | 2,122 |
| Equity capital to assets | 11.0396% | 2,925 |
| Core capital (leverage) ratio | 11.0075% | 2,255 |
| Tier 1 risk-based capital ratio | 20.6870% | 1,413 |
| Total risk-based capital ratio | 21.8438% | 1,409 |
| Memoranda: | ||
| Average total assets | $166,915,500 | 3,639 |
| Average earning assets | $151,468,250 | 3,662 |
| Average equity | $18,492,500 | 3,397 |
| Average total loans | $69,228,750 | 4,787 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5754% | 2,225 |
| Cost of funding earning assets | 1.1502% | 5,402 |
| Net interest margin | 4.4251% | 1,376 |
| Noninterest income to average assets | 0.5595% | 3,632 |
| Noninterest expense to average assets | 2.4768% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3686% | 1,152 |
| Return on assets (ROA) | 1.3686% | 1,221 |
| Pretax return on assets | 2.0909% | 499 |
| Return on Equity (ROE) | 12.3385% | 1,373 |
| Retained earnings to average equity (ytd only) | 1.4567% | 5,144 |
| Net charge-offs to loans | -0.0323% | 7,364 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2239% | 6,858 |
| Assets per employee ($millions) | 4.6237% | 2,698 |
| Cash dividends to net income (ytd only)* | 88.1938% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,957 |
| Loan loss allowance to noncurrent loans | 103.9370% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,715 |
| Noncurrent loans to loans | 1.4391% | 4,555 |
| Net loans and leases to total assets | 40.6510% | 7,122 |
| Net loans and leases to deposits | 46.0703% | 7,245 |
| Net loans and leases to core deposits | 46.2287% | 7,343 |
| Total domestic deposits to total assets | 88.2369% | 1,859 |
| Equity capital to assets | 10.8056% | 3,068 |
| Core capital (leverage) ratio | 11.1044% | 2,163 |
| Tier 1 risk-based capital ratio | 20.9830% | 1,340 |
| Total risk-based capital ratio | 22.2327% | 1,315 |
| Memoranda: | ||
| Average total assets | $165,858,330 | 3,677 |
| Average earning assets | $150,232,670 | 3,701 |
| Average equity | $18,397,670 | 3,397 |
| Average total loans | $68,154,670 | 4,858 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7020% | 1,774 |
| Cost of funding earning assets | 1.1621% | 5,593 |
| Net interest margin | 4.5399% | 1,066 |
| Noninterest income to average assets | 0.5783% | 3,427 |
| Noninterest expense to average assets | 2.5752% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3672% | 1,152 |
| Return on assets (ROA) | 1.3672% | 1,221 |
| Pretax return on assets | 2.0999% | 509 |
| Return on Equity (ROE) | 12.1612% | 1,452 |
| Retained earnings to average equity (ytd only) | 0.0654% | 5,796 |
| Net charge-offs to loans | -0.0179% | 7,046 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0839% | 6,877 |
| Assets per employee ($millions) | 4.3772% | 3,165 |
| Cash dividends to net income (ytd only)* | 99.4624% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 3,361 |
| Loan loss allowance to noncurrent loans | 140.6711% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 6,006 |
| Noncurrent loans to loans | 1.1526% | 5,061 |
| Net loans and leases to total assets | 39.2625% | 7,293 |
| Net loans and leases to deposits | 44.7582% | 7,375 |
| Net loans and leases to core deposits | 44.9211% | 7,455 |
| Total domestic deposits to total assets | 87.7214% | 2,224 |
| Equity capital to assets | 11.3333% | 2,476 |
| Core capital (leverage) ratio | 11.2513% | 2,053 |
| Tier 1 risk-based capital ratio | 21.8488% | 1,219 |
| Total risk-based capital ratio | 23.0999% | 1,208 |
| Memoranda: | ||
| Average total assets | $163,248,500 | 3,778 |
| Average earning assets | $147,315,500 | 3,813 |
| Average equity | $18,353,500 | 3,427 |
| Average total loans | $66,931,500 | 4,967 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0097% | 1,828 |
| Cost of funding earning assets | 1.2807% | 6,375 |
| Net interest margin | 4.7290% | 797 |
| Noninterest income to average assets | 0.5390% | 4,117 |
| Noninterest expense to average assets | 2.8239% | 4,868 |
| Loan and lease loss provision to assets | 0.0444% | 7,112 |
| Net operating income to assets | 1.4402% | 783 |
| Return on assets (ROA) | 1.4402% | 839 |
| Pretax return on assets | 1.9957% | 404 |
| Return on Equity (ROE) | 12.7263% | 1,021 |
| Retained earnings to average equity (ytd only) | 5.6542% | 1,497 |
| Net charge-offs to loans | 0.1040% | 6,103 |
| Credit loss provision to net charge-offs | 97.2222% | 5,714 |
| Earnings coverage of net charge-offs (x) | 44.6806% | 563 |
| Efficiency ratio | 58.0574% | 6,753 |
| Assets per employee ($millions) | 4.3300% | 3,226 |
| Cash dividends to net income (ytd only)* | 55.5702% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,669 |
| Loan loss allowance to noncurrent loans | 384.1912% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 6,734 |
| Noncurrent loans to loans | 0.3929% | 6,490 |
| Net loans and leases to total assets | 41.4377% | 7,278 |
| Net loans and leases to deposits | 47.0474% | 7,393 |
| Net loans and leases to core deposits | 50.3884% | 7,580 |
| Total domestic deposits to total assets | 88.0765% | 1,939 |
| Equity capital to assets | 11.1535% | 2,576 |
| Core capital (leverage) ratio | 11.5039% | 1,914 |
| Tier 1 risk-based capital ratio | 20.9653% | 1,300 |
| Total risk-based capital ratio | 22.2151% | 1,270 |
| Memoranda: | ||
| Average total assets | $157,688,800 | 3,814 |
| Average earning assets | $144,217,400 | 3,812 |
| Average equity | $17,845,000 | 3,525 |
| Average total loans | $69,238,800 | 4,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9915% | 2,075 |
| Cost of funding earning assets | 1.3169% | 6,504 |
| Net interest margin | 4.6746% | 875 |
| Noninterest income to average assets | 0.5684% | 3,936 |
| Noninterest expense to average assets | 2.7260% | 5,213 |
| Loan and lease loss provision to assets | 0.0171% | 7,174 |
| Net operating income to assets | 1.3549% | 1,110 |
| Return on assets (ROA) | 1.3549% | 1,173 |
| Pretax return on assets | 2.1310% | 415 |
| Return on Equity (ROE) | 11.9271% | 1,374 |
| Retained earnings to average equity (ytd only) | 5.9448% | 1,979 |
| Net charge-offs to loans | 0.0963% | 5,709 |
| Credit loss provision to net charge-offs | 40.0000% | 6,423 |
| Earnings coverage of net charge-offs (x) | 50.2562% | 630 |
| Efficiency ratio | 55.9277% | 7,010 |
| Assets per employee ($millions) | 3.8643% | 4,040 |
| Cash dividends to net income (ytd only)* | 50.1576% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 3,640 |
| Loan loss allowance to noncurrent loans | 350.6897% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 6,538 |
| Noncurrent loans to loans | 0.4165% | 6,501 |
| Net loans and leases to total assets | 44.3861% | 7,219 |
| Net loans and leases to deposits | 51.4862% | 7,330 |
| Net loans and leases to core deposits | 55.6305% | 7,555 |
| Total domestic deposits to total assets | 86.2096% | 2,581 |
| Equity capital to assets | 11.7312% | 2,406 |
| Core capital (leverage) ratio | 11.6140% | 2,010 |
| Tier 1 risk-based capital ratio | 21.1188% | 1,354 |
| Total risk-based capital ratio | 22.3673% | 1,336 |
| Memoranda: | ||
| Average total assets | $155,975,750 | 3,877 |
| Average earning assets | $143,666,000 | 3,846 |
| Average equity | $17,718,250 | 3,577 |
| Average total loans | $69,241,750 | 4,944 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7627% | 3,234 |
| Cost of funding earning assets | 1.3514% | 6,641 |
| Net interest margin | 4.4113% | 1,386 |
| Noninterest income to average assets | 0.5881% | 3,781 |
| Noninterest expense to average assets | 2.5760% | 5,831 |
| Loan and lease loss provision to assets | 0.0256% | 6,982 |
| Net operating income to assets | 1.2707% | 1,305 |
| Return on assets (ROA) | 1.2707% | 1,384 |
| Pretax return on assets | 2.0467% | 503 |
| Return on Equity (ROE) | 11.3083% | 1,610 |
| Retained earnings to average equity (ytd only) | 7.0080% | 1,584 |
| Net charge-offs to loans | 0.0781% | 5,420 |
| Credit loss provision to net charge-offs | 74.0741% | 5,337 |
| Earnings coverage of net charge-offs (x) | 60.0370% | 594 |
| Efficiency ratio | 55.4180% | 7,175 |
| Assets per employee ($millions) | 3.7545% | 4,208 |
| Cash dividends to net income (ytd only)* | 38.0282% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 3,268 |
| Loan loss allowance to noncurrent loans | 845.5285% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 6,813 |
| Noncurrent loans to loans | 0.1759% | 7,078 |
| Net loans and leases to total assets | 43.6856% | 7,349 |
| Net loans and leases to deposits | 49.8542% | 7,489 |
| Net loans and leases to core deposits | 53.7991% | 7,660 |
| Total domestic deposits to total assets | 87.6268% | 1,956 |
| Equity capital to assets | 11.3889% | 2,607 |
| Core capital (leverage) ratio | 11.5210% | 2,077 |
| Tier 1 risk-based capital ratio | 20.6525% | 1,454 |
| Total risk-based capital ratio | 21.9025% | 1,414 |
| Memoranda: | ||
| Average total assets | $156,444,000 | 3,889 |
| Average earning assets | $143,995,330 | 3,859 |
| Average equity | $17,580,000 | 3,602 |
| Average total loans | $69,114,000 | 4,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7991% | 3,310 |
| Cost of funding earning assets | 1.4107% | 6,692 |
| Net interest margin | 4.3883% | 1,376 |
| Noninterest income to average assets | 0.6033% | 3,522 |
| Noninterest expense to average assets | 2.6132% | 5,399 |
| Loan and lease loss provision to assets | 0.0128% | 6,682 |
| Net operating income to assets | 1.2116% | 1,625 |
| Return on assets (ROA) | 1.2116% | 1,738 |
| Pretax return on assets | 2.0177% | 648 |
| Return on Equity (ROE) | 10.8565% | 2,013 |
| Retained earnings to average equity (ytd only) | 2.1851% | 4,660 |
| Net charge-offs to loans | -0.0524% | 7,707 |
| Credit loss provision to net charge-offs | -55.5556% | 6,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2742% | 6,932 |
| Assets per employee ($millions) | 3.7579% | 4,208 |
| Cash dividends to net income (ytd only)* | 79.8729% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 2,684 |
| Loan loss allowance to noncurrent loans | 377.5801% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 6,475 |
| Noncurrent loans to loans | 0.4133% | 6,387 |
| Net loans and leases to total assets | 43.4421% | 7,383 |
| Net loans and leases to deposits | 49.6650% | 7,512 |
| Net loans and leases to core deposits | 55.9276% | 7,621 |
| Total domestic deposits to total assets | 87.4703% | 1,982 |
| Equity capital to assets | 11.3179% | 2,706 |
| Core capital (leverage) ratio | 11.2569% | 2,301 |
| Tier 1 risk-based capital ratio | 20.4326% | 1,534 |
| Total risk-based capital ratio | 21.6828% | 1,506 |
| Memoranda: | ||
| Average total assets | $155,822,000 | 3,910 |
| Average earning assets | $143,471,500 | 3,884 |
| Average equity | $17,390,500 | 3,653 |
| Average total loans | $68,707,500 | 5,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2236% | 4,398 |
| Cost of funding earning assets | 1.4295% | 7,708 |
| Net interest margin | 4.7940% | 787 |
| Noninterest income to average assets | 0.5723% | 4,065 |
| Noninterest expense to average assets | 2.5949% | 5,672 |
| Loan and lease loss provision to assets | 0.1802% | 5,095 |
| Net operating income to assets | 1.4643% | 1,090 |
| Return on assets (ROA) | 1.4643% | 1,052 |
| Pretax return on assets | 2.1809% | 416 |
| Return on Equity (ROE) | 12.7292% | 1,400 |
| Retained earnings to average equity (ytd only) | 6.3778% | 1,374 |
| Net charge-offs to loans | 0.3580% | 3,042 |
| Credit loss provision to net charge-offs | 98.9967% | 5,417 |
| Earnings coverage of net charge-offs (x) | 12.9699% | 2,186 |
| Efficiency ratio | 52.3587% | 7,452 |
| Assets per employee ($millions) | 3.5811% | 4,470 |
| Cash dividends to net income (ytd only)* | 49.8960% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 2,635 |
| Loan loss allowance to noncurrent loans | 107.2746% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 5,258 |
| Noncurrent loans to loans | 1.4059% | 3,701 |
| Net loans and leases to total assets | 43.3928% | 7,507 |
| Net loans and leases to deposits | 49.2218% | 7,663 |
| Net loans and leases to core deposits | 55.1915% | 7,759 |
| Total domestic deposits to total assets | 88.1576% | 1,403 |
| Equity capital to assets | 11.0065% | 3,035 |
| Core capital (leverage) ratio | 11.1970% | 2,432 |
| Tier 1 risk-based capital ratio | 19.8730% | 1,640 |
| Total risk-based capital ratio | 21.1232% | 1,601 |
| Memoranda: | ||
| Average total assets | $164,244,200 | 3,643 |
| Average earning assets | $150,187,400 | 3,655 |
| Average equity | $18,893,600 | 3,414 |
| Average total loans | $83,524,800 | 4,412 |