Home > Kingston National Bank > Performance and Condition Ratios
Kingston National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 3,203 |
| Cost of funding earning assets | 1.5736% | 1,765 |
| Net interest margin | 2.8687% | 3,541 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.3215% | 2,793 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6056% | 3,432 |
| Return on assets (ROA) | 0.6182% | 3,381 |
| Pretax return on assets | 0.7278% | 3,379 |
| Return on Equity (ROE) | 9.0300% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.4029% | 2,093 |
| Net charge-offs to loans | 0.0129% | 2,171 |
| Credit loss provision to net charge-offs | 280.8511% | 997 |
| Earnings coverage of net charge-offs (x) | 81.9574% | 1,011 |
| Efficiency ratio | 75.8692% | 1,254 |
| Assets per employee ($millions) | 6.5601% | 2,375 |
| Cash dividends to net income (ytd only)* | 29.0853% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,327 |
| Loan loss allowance to noncurrent loans | 1,947.2081% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 3,379 |
| Noncurrent loans to loans | 0.0512% | 3,359 |
| Net loans and leases to total assets | 71.6500% | 1,624 |
| Net loans and leases to deposits | 77.9632% | 2,266 |
| Net loans and leases to core deposits | 97.0168% | 1,595 |
| Total domestic deposits to total assets | 91.9100% | 320 |
| Equity capital to assets | 7.2262% | 3,851 |
| Core capital (leverage) ratio | 9.1969% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7638% | 1,948 |
| Memoranda: | ||
| Average total assets | $521,696,200 | 1,684 |
| Average earning assets | $488,829,600 | 1,667 |
| Average equity | $35,718,000 | 2,024 |
| Average total loans | $365,270,800 | 1,560 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3621% | 3,173 |
| Cost of funding earning assets | 1.4190% | 1,813 |
| Net interest margin | 2.9431% | 3,447 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.3458% | 2,663 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6411% | 3,452 |
| Return on assets (ROA) | 0.6507% | 3,421 |
| Pretax return on assets | 0.7647% | 3,412 |
| Return on Equity (ROE) | 9.6500% | 2,749 |
| Retained earnings to average equity (ytd only) | 6.9764% | 2,295 |
| Net charge-offs to loans | 0.0137% | 1,903 |
| Credit loss provision to net charge-offs | 356.7568% | 785 |
| Earnings coverage of net charge-offs (x) | 82.8649% | 1,031 |
| Efficiency ratio | 74.8709% | 1,282 |
| Assets per employee ($millions) | 6.3405% | 2,464 |
| Cash dividends to net income (ytd only)* | 27.7427% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0413% | 3,145 |
| Loan loss allowance to noncurrent loans | 1,260.9836% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 3,230 |
| Noncurrent loans to loans | 0.0826% | 3,171 |
| Net loans and leases to total assets | 70.3000% | 1,790 |
| Net loans and leases to deposits | 75.8170% | 2,434 |
| Net loans and leases to core deposits | 92.7511% | 1,752 |
| Total domestic deposits to total assets | 92.7200% | 348 |
| Equity capital to assets | 6.3921% | 3,864 |
| Core capital (leverage) ratio | 9.1749% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8369% | 1,955 |
| Memoranda: | ||
| Average total assets | $519,223,000 | 1,686 |
| Average earning assets | $486,914,000 | 1,671 |
| Average equity | $34,993,250 | 2,049 |
| Average total loans | $360,441,500 | 1,572 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 3,172 |
| Cost of funding earning assets | 1.2430% | 1,872 |
| Net interest margin | 3.0171% | 3,386 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.3781% | 2,566 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6633% | 3,426 |
| Return on assets (ROA) | 0.6721% | 3,407 |
| Pretax return on assets | 0.7973% | 3,405 |
| Return on Equity (ROE) | 9.8000% | 2,769 |
| Retained earnings to average equity (ytd only) | 7.1670% | 2,233 |
| Net charge-offs to loans | 0.0213% | 1,463 |
| Credit loss provision to net charge-offs | 268.4211% | 920 |
| Earnings coverage of net charge-offs (x) | 56.4211% | 1,224 |
| Efficiency ratio | 74.2153% | 1,325 |
| Assets per employee ($millions) | 6.5008% | 2,285 |
| Cash dividends to net income (ytd only)* | 26.8922% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,118 |
| Loan loss allowance to noncurrent loans | 1,434.2105% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,269 |
| Noncurrent loans to loans | 0.0742% | 3,158 |
| Net loans and leases to total assets | 68.2100% | 1,943 |
| Net loans and leases to deposits | 73.9765% | 2,496 |
| Net loans and leases to core deposits | 89.8179% | 1,810 |
| Total domestic deposits to total assets | 92.2100% | 371 |
| Equity capital to assets | 6.8733% | 3,860 |
| Core capital (leverage) ratio | 8.9975% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8672% | 1,951 |
| Memoranda: | ||
| Average total assets | $518,989,000 | 1,686 |
| Average earning assets | $487,032,000 | 1,669 |
| Average equity | $35,579,667 | 2,038 |
| Average total loans | $357,475,333 | 1,568 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 3,258 |
| Cost of funding earning assets | 1.0528% | 1,876 |
| Net interest margin | 3.0433% | 3,486 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.4689% | 2,325 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.6208% | 3,656 |
| Return on assets (ROA) | 0.6280% | 3,597 |
| Pretax return on assets | 0.7422% | 3,578 |
| Return on Equity (ROE) | 9.1700% | 2,998 |
| Retained earnings to average equity (ytd only) | 6.5246% | 2,636 |
| Net charge-offs to loans | 0.0325% | 1,063 |
| Credit loss provision to net charge-offs | 103.4483% | 1,093 |
| Earnings coverage of net charge-offs (x) | 33.8276% | 1,259 |
| Efficiency ratio | 76.5367% | 1,124 |
| Assets per employee ($millions) | 6.8198% | 2,105 |
| Cash dividends to net income (ytd only)* | 28.8698% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,154 |
| Loan loss allowance to noncurrent loans | 1,830.2439% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,401 |
| Noncurrent loans to loans | 0.0590% | 3,310 |
| Net loans and leases to total assets | 64.6300% | 2,188 |
| Net loans and leases to deposits | 70.0606% | 2,605 |
| Net loans and leases to core deposits | 83.0959% | 2,053 |
| Total domestic deposits to total assets | 92.2500% | 458 |
| Equity capital to assets | 6.8269% | 3,897 |
| Core capital (leverage) ratio | 8.9160% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7904% | 2,051 |
| Memoranda: | ||
| Average total assets | $518,450,000 | 1,706 |
| Average earning assets | $485,922,500 | 1,693 |
| Average equity | $35,496,500 | 2,061 |
| Average total loans | $356,929,500 | 1,586 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 2,567 |
| Cost of funding earning assets | 0.2709% | 3,147 |
| Net interest margin | 3.4139% | 2,209 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 2.4242% | 2,352 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9114% | 2,916 |
| Return on assets (ROA) | 0.9102% | 2,860 |
| Pretax return on assets | 1.0916% | 2,798 |
| Return on Equity (ROE) | 12.0600% | 2,120 |
| Retained earnings to average equity (ytd only) | 6.9043% | 2,281 |
| Net charge-offs to loans | 0.0017% | 2,487 |
| Credit loss provision to net charge-offs | 3,166.6667% | 183 |
| Earnings coverage of net charge-offs (x) | 938.6667% | 186 |
| Efficiency ratio | 68.1844% | 1,938 |
| Assets per employee ($millions) | 6.3919% | 2,426 |
| Cash dividends to net income (ytd only)* | 42.7626% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 3,677 |
| Loan loss allowance to noncurrent loans | 2,024.4048% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,474 |
| Noncurrent loans to loans | 0.0459% | 3,424 |
| Net loans and leases to total assets | 71.8700% | 1,433 |
| Net loans and leases to deposits | 78.0356% | 1,944 |
| Net loans and leases to core deposits | 91.3431% | 1,434 |
| Total domestic deposits to total assets | 92.1000% | 615 |
| Equity capital to assets | 6.8675% | 3,730 |
| Core capital (leverage) ratio | 9.0874% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3408% | 2,224 |
| Memoranda: | ||
| Average total assets | $497,892,200 | 1,722 |
| Average earning assets | $465,477,800 | 1,713 |
| Average equity | $37,571,000 | 2,014 |
| Average total loans | $344,349,000 | 1,564 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 2,419 |
| Cost of funding earning assets | 0.1996% | 3,279 |
| Net interest margin | 3.3708% | 2,067 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.3663% | 2,426 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9382% | 2,719 |
| Return on assets (ROA) | 0.9344% | 2,706 |
| Pretax return on assets | 1.1223% | 2,652 |
| Return on Equity (ROE) | 12.1100% | 2,000 |
| Retained earnings to average equity (ytd only) | 6.1766% | 2,691 |
| Net charge-offs to loans | 0.0004% | 2,332 |
| Credit loss provision to net charge-offs | 6,800.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 4,261.0000% | 27 |
| Efficiency ratio | 67.3886% | 2,101 |
| Assets per employee ($millions) | 6.8226% | 2,077 |
| Cash dividends to net income (ytd only)* | 48.9790% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 3,787 |
| Loan loss allowance to noncurrent loans | 2,189.3333% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,634 |
| Noncurrent loans to loans | 0.0422% | 3,587 |
| Net loans and leases to total assets | 68.7900% | 1,584 |
| Net loans and leases to deposits | 74.2341% | 2,028 |
| Net loans and leases to core deposits | 85.1100% | 1,577 |
| Total domestic deposits to total assets | 92.6600% | 669 |
| Equity capital to assets | 6.3071% | 3,838 |
| Core capital (leverage) ratio | 8.8947% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2634% | 2,367 |
| Memoranda: | ||
| Average total assets | $496,125,750 | 1,737 |
| Average earning assets | $464,245,750 | 1,729 |
| Average equity | $38,294,250 | 2,013 |
| Average total loans | $338,856,000 | 1,572 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4615% | 2,250 |
| Cost of funding earning assets | 0.1939% | 2,992 |
| Net interest margin | 3.2675% | 2,001 |
| Noninterest income to average assets | 0.3569% | 3,011 |
| Noninterest expense to average assets | 2.2903% | 2,576 |
| Loan and lease loss provision to assets | 0.0183% | 2,276 |
| Net operating income to assets | 0.9245% | 2,469 |
| Return on assets (ROA) | 0.9170% | 2,475 |
| Pretax return on assets | 1.1003% | 2,410 |
| Return on Equity (ROE) | 11.1708% | 1,929 |
| Retained earnings to average equity (ytd only) | 8.8434% | 1,336 |
| Net charge-offs to loans | -0.0006% | 2,994 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0083% | 2,384 |
| Assets per employee ($millions) | 6.8994% | 2,005 |
| Cash dividends to net income (ytd only)* | 20.8352% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,783 |
| Loan loss allowance to noncurrent loans | 2,175.3333% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,685 |
| Noncurrent loans to loans | 0.0438% | 3,615 |
| Net loans and leases to total assets | 67.3003% | 1,550 |
| Net loans and leases to deposits | 73.2666% | 1,935 |
| Net loans and leases to core deposits | 83.4804% | 1,483 |
| Total domestic deposits to total assets | 91.8567% | 901 |
| Equity capital to assets | 7.1285% | 3,701 |
| Core capital (leverage) ratio | 9.3092% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8311% | 2,134 |
| Memoranda: | ||
| Average total assets | $490,936,667 | 1,757 |
| Average earning assets | $459,918,333 | 1,751 |
| Average equity | $40,301,333 | 1,980 |
| Average total loans | $333,384,333 | 1,587 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 2,071 |
| Cost of funding earning assets | 0.2187% | 2,549 |
| Net interest margin | 3.1879% | 1,918 |
| Noninterest income to average assets | 0.3616% | 2,924 |
| Noninterest expense to average assets | 2.2857% | 2,555 |
| Loan and lease loss provision to assets | 0.0190% | 2,014 |
| Net operating income to assets | 0.8894% | 2,321 |
| Return on assets (ROA) | 0.8865% | 2,328 |
| Pretax return on assets | 1.0492% | 2,299 |
| Return on Equity (ROE) | 10.1081% | 1,925 |
| Retained earnings to average equity (ytd only) | 7.9058% | 1,611 |
| Net charge-offs to loans | -0.0036% | 3,250 |
| Credit loss provision to net charge-offs | -766.6667% | 3,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0846% | 2,496 |
| Assets per employee ($millions) | 6.7407% | 2,190 |
| Cash dividends to net income (ytd only)* | 21.7877% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,732 |
| Loan loss allowance to noncurrent loans | 2,147.6821% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,728 |
| Noncurrent loans to loans | 0.0465% | 3,644 |
| Net loans and leases to total assets | 65.2808% | 1,488 |
| Net loans and leases to deposits | 72.9897% | 1,695 |
| Net loans and leases to core deposits | 81.5903% | 1,370 |
| Total domestic deposits to total assets | 89.4384% | 1,851 |
| Equity capital to assets | 8.0766% | 3,510 |
| Core capital (leverage) ratio | 9.2939% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2571% | 2,091 |
| Memoranda: | ||
| Average total assets | $484,577,000 | 1,786 |
| Average earning assets | $455,352,500 | 1,768 |
| Average equity | $42,500,500 | 1,962 |
| Average total loans | $328,964,000 | 1,589 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 1,761 |
| Cost of funding earning assets | 0.2915% | 2,487 |
| Net interest margin | 3.5511% | 1,598 |
| Noninterest income to average assets | 0.3553% | 3,312 |
| Noninterest expense to average assets | 2.3408% | 2,683 |
| Loan and lease loss provision to assets | 0.1055% | 1,194 |
| Net operating income to assets | 1.0289% | 2,563 |
| Return on assets (ROA) | 1.0334% | 2,619 |
| Pretax return on assets | 1.2548% | 2,507 |
| Return on Equity (ROE) | 11.8593% | 1,865 |
| Retained earnings to average equity (ytd only) | 9.4067% | 1,067 |
| Net charge-offs to loans | -0.0060% | 3,595 |
| Credit loss provision to net charge-offs | -2,526.3158% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3389% | 2,667 |
| Assets per employee ($millions) | 6.5354% | 2,305 |
| Cash dividends to net income (ytd only)* | 20.6809% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,894 |
| Loan loss allowance to noncurrent loans | 32,170.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,179 |
| Noncurrent loans to loans | 0.0030% | 4,100 |
| Net loans and leases to total assets | 69.2207% | 1,132 |
| Net loans and leases to deposits | 78.7511% | 1,324 |
| Net loans and leases to core deposits | 88.2086% | 1,067 |
| Total domestic deposits to total assets | 87.8981% | 2,103 |
| Equity capital to assets | 9.4864% | 3,160 |
| Core capital (leverage) ratio | 9.3218% | 3,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1645% | 2,177 |
| Memoranda: | ||
| Average total assets | $454,798,800 | 1,822 |
| Average earning assets | $427,811,400 | 1,811 |
| Average equity | $39,631,200 | 2,092 |
| Average total loans | $315,486,600 | 1,641 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 1,771 |
| Cost of funding earning assets | 0.3089% | 2,507 |
| Net interest margin | 3.5891% | 1,624 |
| Noninterest income to average assets | 0.3674% | 3,259 |
| Noninterest expense to average assets | 2.2818% | 2,801 |
| Loan and lease loss provision to assets | 0.0401% | 2,195 |
| Net operating income to assets | 1.1607% | 2,324 |
| Return on assets (ROA) | 1.1632% | 2,376 |
| Pretax return on assets | 1.4243% | 2,237 |
| Return on Equity (ROE) | 13.6698% | 1,491 |
| Retained earnings to average equity (ytd only) | 11.0816% | 1,048 |
| Net charge-offs to loans | -0.0064% | 3,511 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9578% | 2,842 |
| Assets per employee ($millions) | 6.4909% | 2,254 |
| Cash dividends to net income (ytd only)* | 18.9334% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 65.4532% | 1,601 |
| Net loans and leases to deposits | 74.5992% | 1,801 |
| Net loans and leases to core deposits | 83.7145% | 1,447 |
| Total domestic deposits to total assets | 87.7399% | 1,984 |
| Equity capital to assets | 9.5689% | 3,317 |
| Core capital (leverage) ratio | 9.4353% | 3,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8406% | 2,030 |
| Memoranda: | ||
| Average total assets | $449,228,250 | 1,857 |
| Average earning assets | $422,528,500 | 1,846 |
| Average equity | $38,224,500 | 2,175 |
| Average total loans | $310,994,250 | 1,686 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 2,539 |
| Cost of funding earning assets | 0.3350% | 2,448 |
| Net interest margin | 3.2927% | 2,461 |
| Noninterest income to average assets | 0.3564% | 3,331 |
| Noninterest expense to average assets | 2.2634% | 2,867 |
| Loan and lease loss provision to assets | 0.0408% | 2,192 |
| Net operating income to assets | 0.9493% | 3,065 |
| Return on assets (ROA) | 0.9523% | 3,141 |
| Pretax return on assets | 1.1491% | 3,062 |
| Return on Equity (ROE) | 11.7147% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.8641% | 1,749 |
| Net charge-offs to loans | -0.0084% | 3,610 |
| Credit loss provision to net charge-offs | -692.3077% | 3,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6106% | 2,210 |
| Assets per employee ($millions) | 6.2268% | 2,406 |
| Cash dividends to net income (ytd only)* | 24.3333% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 4,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 69.0062% | 1,327 |
| Net loans and leases to deposits | 77.3479% | 1,694 |
| Net loans and leases to core deposits | 87.1844% | 1,332 |
| Total domestic deposits to total assets | 89.2152% | 1,179 |
| Equity capital to assets | 8.0749% | 4,488 |
| Core capital (leverage) ratio | 7.7037% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5139% | 2,854 |
| Memoranda: | ||
| Average total assets | $441,024,667 | 1,876 |
| Average earning assets | $414,310,333 | 1,864 |
| Average equity | $35,852,333 | 2,276 |
| Average total loans | $310,322,000 | 1,698 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3491% | 3,343 |
| Cost of funding earning assets | 0.4194% | 1,943 |
| Net interest margin | 2.9297% | 3,439 |
| Noninterest income to average assets | 0.3399% | 3,399 |
| Noninterest expense to average assets | 2.2595% | 2,909 |
| Loan and lease loss provision to assets | 0.0415% | 2,231 |
| Net operating income to assets | 0.6743% | 3,773 |
| Return on assets (ROA) | 0.6743% | 3,839 |
| Pretax return on assets | 0.7866% | 3,836 |
| Return on Equity (ROE) | 8.2651% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.0923% | 3,198 |
| Net charge-offs to loans | -0.0026% | 3,190 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1802% | 1,386 |
| Assets per employee ($millions) | 6.1188% | 2,476 |
| Cash dividends to net income (ytd only)* | 38.3880% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.7840% | 1,428 |
| Net loans and leases to deposits | 77.0711% | 1,792 |
| Net loans and leases to core deposits | 87.6328% | 1,397 |
| Total domestic deposits to total assets | 89.2475% | 1,203 |
| Equity capital to assets | 7.9305% | 4,528 |
| Core capital (leverage) ratio | 7.9131% | 4,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5820% | 2,996 |
| Memoranda: | ||
| Average total assets | $434,258,000 | 1,886 |
| Average earning assets | $407,279,500 | 1,878 |
| Average equity | $35,426,000 | 2,285 |
| Average total loans | $307,236,000 | 1,707 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8556% | 3,150 |
| Cost of funding earning assets | 0.7063% | 1,689 |
| Net interest margin | 3.1492% | 3,497 |
| Noninterest income to average assets | 0.3507% | 3,363 |
| Noninterest expense to average assets | 2.3961% | 3,140 |
| Loan and lease loss provision to assets | 0.0396% | 3,908 |
| Net operating income to assets | 0.7230% | 3,358 |
| Return on assets (ROA) | 0.7187% | 3,501 |
| Pretax return on assets | 0.8494% | 3,503 |
| Return on Equity (ROE) | 8.5091% | 2,598 |
| Retained earnings to average equity (ytd only) | 5.8005% | 1,901 |
| Net charge-offs to loans | 0.0110% | 2,931 |
| Credit loss provision to net charge-offs | 509.6774% | 1,236 |
| Earnings coverage of net charge-offs (x) | 114.9677% | 725 |
| Efficiency ratio | 72.8250% | 1,595 |
| Assets per employee ($millions) | 5.8590% | 2,486 |
| Cash dividends to net income (ytd only)* | 31.8325% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,203 |
| Loan loss allowance to noncurrent loans | 1,142.0168% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,057 |
| Noncurrent loans to loans | 0.0782% | 3,980 |
| Net loans and leases to total assets | 71.5311% | 1,357 |
| Net loans and leases to deposits | 81.1761% | 1,745 |
| Net loans and leases to core deposits | 93.7476% | 1,263 |
| Total domestic deposits to total assets | 88.1184% | 1,420 |
| Equity capital to assets | 8.3985% | 4,518 |
| Core capital (leverage) ratio | 8.0185% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8994% | 2,949 |
| Memoranda: | ||
| Average total assets | $398,611,000 | 1,871 |
| Average earning assets | $372,057,600 | 1,865 |
| Average equity | $33,669,800 | 2,307 |
| Average total loans | $282,878,600 | 1,754 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 3,365 |
| Cost of funding earning assets | 0.7636% | 1,659 |
| Net interest margin | 3.1037% | 3,726 |
| Noninterest income to average assets | 0.3489% | 3,378 |
| Noninterest expense to average assets | 2.3876% | 3,174 |
| Loan and lease loss provision to assets | 0.0384% | 3,870 |
| Net operating income to assets | 0.6931% | 3,482 |
| Return on assets (ROA) | 0.6874% | 3,602 |
| Pretax return on assets | 0.8092% | 3,622 |
| Return on Equity (ROE) | 8.1250% | 2,759 |
| Retained earnings to average equity (ytd only) | 5.3805% | 2,388 |
| Net charge-offs to loans | 0.0067% | 2,883 |
| Credit loss provision to net charge-offs | 807.1429% | 974 |
| Earnings coverage of net charge-offs (x) | 179.7857% | 523 |
| Efficiency ratio | 73.6467% | 1,444 |
| Assets per employee ($millions) | 5.8435% | 2,400 |
| Cash dividends to net income (ytd only)* | 33.7778% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 4,030 |
| Loan loss allowance to noncurrent loans | 1,169.5652% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,156 |
| Noncurrent loans to loans | 0.0781% | 4,058 |
| Net loans and leases to total assets | 71.2991% | 1,773 |
| Net loans and leases to deposits | 81.1440% | 2,184 |
| Net loans and leases to core deposits | 93.0748% | 1,703 |
| Total domestic deposits to total assets | 87.8674% | 1,279 |
| Equity capital to assets | 8.4995% | 4,465 |
| Core capital (leverage) ratio | 8.1008% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8460% | 2,952 |
| Memoranda: | ||
| Average total assets | $392,802,000 | 1,870 |
| Average earning assets | $366,137,000 | 1,862 |
| Average equity | $33,230,000 | 2,320 |
| Average total loans | $277,480,750 | 1,774 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,366 |
| Cost of funding earning assets | 0.8177% | 1,747 |
| Net interest margin | 3.1680% | 3,750 |
| Noninterest income to average assets | 0.3351% | 3,463 |
| Noninterest expense to average assets | 2.3542% | 3,388 |
| Loan and lease loss provision to assets | 0.0351% | 3,829 |
| Net operating income to assets | 0.7531% | 3,209 |
| Return on assets (ROA) | 0.7445% | 3,347 |
| Pretax return on assets | 0.8818% | 3,365 |
| Return on Equity (ROE) | 8.8148% | 2,442 |
| Retained earnings to average equity (ytd only) | 6.0273% | 2,070 |
| Net charge-offs to loans | -0.0066% | 4,088 |
| Credit loss provision to net charge-offs | -755.5556% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7432% | 1,725 |
| Assets per employee ($millions) | 5.7778% | 2,393 |
| Cash dividends to net income (ytd only)* | 31.6227% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,841 |
| Loan loss allowance to noncurrent loans | 2,722.4490% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,433 |
| Noncurrent loans to loans | 0.0345% | 4,340 |
| Net loans and leases to total assets | 69.5626% | 2,102 |
| Net loans and leases to deposits | 79.2501% | 2,516 |
| Net loans and leases to core deposits | 91.2284% | 1,964 |
| Total domestic deposits to total assets | 87.7760% | 1,296 |
| Equity capital to assets | 8.4828% | 4,486 |
| Core capital (leverage) ratio | 8.2330% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9439% | 2,984 |
| Memoranda: | ||
| Average total assets | $387,387,000 | 1,858 |
| Average earning assets | $360,292,000 | 1,856 |
| Average equity | $32,717,667 | 2,329 |
| Average total loans | $271,862,000 | 1,783 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 3,077 |
| Cost of funding earning assets | 1.0115% | 1,373 |
| Net interest margin | 3.2350% | 3,768 |
| Noninterest income to average assets | 0.3463% | 3,445 |
| Noninterest expense to average assets | 2.5065% | 3,256 |
| Loan and lease loss provision to assets | 0.0243% | 3,494 |
| Net operating income to assets | 0.6894% | 3,307 |
| Return on assets (ROA) | 0.6715% | 3,429 |
| Pretax return on assets | 0.7929% | 3,431 |
| Return on Equity (ROE) | 7.9693% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.1124% | 2,223 |
| Net charge-offs to loans | -0.0075% | 3,976 |
| Credit loss provision to net charge-offs | -460.0000% | 3,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9369% | 1,695 |
| Assets per employee ($millions) | 5.5735% | 2,049 |
| Cash dividends to net income (ytd only)* | 35.8491% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,801 |
| Loan loss allowance to noncurrent loans | 2,645.4545% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 4,492 |
| Noncurrent loans to loans | 0.0371% | 4,410 |
| Net loans and leases to total assets | 68.7105% | 2,435 |
| Net loans and leases to deposits | 78.2027% | 2,862 |
| Net loans and leases to core deposits | 88.9409% | 2,453 |
| Total domestic deposits to total assets | 87.8620% | 1,161 |
| Equity capital to assets | 8.2414% | 4,918 |
| Core capital (leverage) ratio | 8.5164% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6357% | 2,873 |
| Memoranda: | ||
| Average total assets | $378,859,000 | 1,851 |
| Average earning assets | $351,157,000 | 1,846 |
| Average equity | $31,922,500 | 2,356 |
| Average total loans | $265,788,500 | 1,777 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 3,223 |
| Cost of funding earning assets | 1.1148% | 1,274 |
| Net interest margin | 3.2933% | 4,006 |
| Noninterest income to average assets | 0.3446% | 3,646 |
| Noninterest expense to average assets | 2.3827% | 3,730 |
| Loan and lease loss provision to assets | 0.0247% | 3,527 |
| Net operating income to assets | 0.8401% | 3,418 |
| Return on assets (ROA) | 0.8401% | 3,507 |
| Pretax return on assets | 1.0055% | 3,454 |
| Return on Equity (ROE) | 9.9776% | 2,306 |
| Retained earnings to average equity (ytd only) | 6.9733% | 1,402 |
| Net charge-offs to loans | 0.0221% | 2,972 |
| Credit loss provision to net charge-offs | 160.7143% | 1,603 |
| Earnings coverage of net charge-offs (x) | 67.0536% | 908 |
| Efficiency ratio | 69.8151% | 2,197 |
| Assets per employee ($millions) | 5.4079% | 2,143 |
| Cash dividends to net income (ytd only)* | 30.1110% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,614 |
| Loan loss allowance to noncurrent loans | 1,183.1050% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 4,328 |
| Noncurrent loans to loans | 0.0827% | 4,191 |
| Net loans and leases to total assets | 70.2475% | 2,357 |
| Net loans and leases to deposits | 80.4878% | 2,724 |
| Net loans and leases to core deposits | 92.5367% | 2,197 |
| Total domestic deposits to total assets | 87.2772% | 1,469 |
| Equity capital to assets | 8.6162% | 4,863 |
| Core capital (leverage) ratio | 8.4189% | 4,884 |
| Tier 1 risk-based capital ratio | 11.7622% | 4,491 |
| Total risk-based capital ratio | 12.7227% | 4,521 |
| Memoranda: | ||
| Average total assets | $364,498,400 | 1,863 |
| Average earning assets | $339,601,200 | 1,848 |
| Average equity | $30,688,600 | 2,351 |
| Average total loans | $253,417,800 | 1,806 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 3,297 |
| Cost of funding earning assets | 1.1106% | 1,304 |
| Net interest margin | 3.3049% | 4,083 |
| Noninterest income to average assets | 0.3352% | 3,732 |
| Noninterest expense to average assets | 2.3661% | 3,775 |
| Loan and lease loss provision to assets | 0.0250% | 3,394 |
| Net operating income to assets | 0.8533% | 3,508 |
| Return on assets (ROA) | 0.8533% | 3,588 |
| Pretax return on assets | 1.0211% | 3,521 |
| Return on Equity (ROE) | 10.1966% | 2,353 |
| Retained earnings to average equity (ytd only) | 7.1891% | 1,765 |
| Net charge-offs to loans | 0.0218% | 2,666 |
| Credit loss provision to net charge-offs | 165.8537% | 1,521 |
| Earnings coverage of net charge-offs (x) | 69.3355% | 962 |
| Efficiency ratio | 69.3411% | 2,213 |
| Assets per employee ($millions) | 5.6122% | 1,924 |
| Cash dividends to net income (ytd only)* | 29.4956% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,492 |
| Loan loss allowance to noncurrent loans | 1,063.3745% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 4,186 |
| Noncurrent loans to loans | 0.0954% | 4,222 |
| Net loans and leases to total assets | 67.0796% | 2,919 |
| Net loans and leases to deposits | 76.7470% | 3,227 |
| Net loans and leases to core deposits | 89.3198% | 2,604 |
| Total domestic deposits to total assets | 87.4036% | 1,309 |
| Equity capital to assets | 8.4804% | 5,012 |
| Core capital (leverage) ratio | 8.4561% | 4,964 |
| Tier 1 risk-based capital ratio | 11.8276% | 4,501 |
| Total risk-based capital ratio | 12.8065% | 4,544 |
| Memoranda: | ||
| Average total assets | $362,336,000 | 1,890 |
| Average earning assets | $337,345,250 | 1,870 |
| Average equity | $30,323,000 | 2,384 |
| Average total loans | $250,592,750 | 1,837 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 3,339 |
| Cost of funding earning assets | 1.0783% | 1,385 |
| Net interest margin | 3.3189% | 4,098 |
| Noninterest income to average assets | 0.3125% | 3,842 |
| Noninterest expense to average assets | 2.3914% | 3,756 |
| Loan and lease loss provision to assets | 0.0252% | 3,306 |
| Net operating income to assets | 0.8329% | 3,530 |
| Return on assets (ROA) | 0.8329% | 3,590 |
| Pretax return on assets | 0.9911% | 3,579 |
| Return on Equity (ROE) | 9.9996% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.9393% | 1,838 |
| Net charge-offs to loans | 0.0096% | 2,788 |
| Credit loss provision to net charge-offs | 375.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 494 |
| Efficiency ratio | 70.1772% | 2,201 |
| Assets per employee ($millions) | 5.3583% | 2,097 |
| Cash dividends to net income (ytd only)* | 30.6040% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,460 |
| Loan loss allowance to noncurrent loans | 560.6061% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,115 |
| Noncurrent loans to loans | 0.1832% | 3,901 |
| Net loans and leases to total assets | 68.4898% | 2,755 |
| Net loans and leases to deposits | 78.4497% | 3,118 |
| Net loans and leases to core deposits | 93.3044% | 2,300 |
| Total domestic deposits to total assets | 87.3041% | 1,438 |
| Equity capital to assets | 8.5215% | 5,032 |
| Core capital (leverage) ratio | 8.5303% | 4,953 |
| Tier 1 risk-based capital ratio | 11.8020% | 4,520 |
| Total risk-based capital ratio | 12.8002% | 4,551 |
| Memoranda: | ||
| Average total assets | $357,775,000 | 1,909 |
| Average earning assets | $333,669,330 | 1,895 |
| Average equity | $29,801,330 | 2,409 |
| Average total loans | $249,185,000 | 1,847 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 3,420 |
| Cost of funding earning assets | 1.0658% | 1,308 |
| Net interest margin | 3.2795% | 4,211 |
| Noninterest income to average assets | 0.2787% | 4,016 |
| Noninterest expense to average assets | 2.4453% | 3,641 |
| Loan and lease loss provision to assets | 0.0260% | 3,089 |
| Net operating income to assets | 0.7323% | 3,831 |
| Return on assets (ROA) | 0.7323% | 3,883 |
| Pretax return on assets | 0.8666% | 3,876 |
| Return on Equity (ROE) | 8.8973% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.7716% | 2,559 |
| Net charge-offs to loans | -0.0081% | 4,148 |
| Credit loss provision to net charge-offs | -460.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2590% | 1,851 |
| Assets per employee ($millions) | 5.3448% | 2,130 |
| Cash dividends to net income (ytd only)* | 35.1310% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,380 |
| Loan loss allowance to noncurrent loans | 587.5000% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 4,185 |
| Noncurrent loans to loans | 0.1797% | 3,951 |
| Net loans and leases to total assets | 67.6618% | 2,809 |
| Net loans and leases to deposits | 77.3841% | 3,122 |
| Net loans and leases to core deposits | 91.2690% | 2,372 |
| Total domestic deposits to total assets | 87.4363% | 1,597 |
| Equity capital to assets | 8.3074% | 5,079 |
| Core capital (leverage) ratio | 8.5141% | 4,999 |
| Tier 1 risk-based capital ratio | 11.8541% | 4,538 |
| Total risk-based capital ratio | 12.8752% | 4,554 |
| Memoranda: | ||
| Average total assets | $354,482,000 | 1,932 |
| Average earning assets | $330,657,500 | 1,918 |
| Average equity | $29,177,500 | 2,455 |
| Average total loans | $247,707,500 | 1,869 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 3,085 |
| Cost of funding earning assets | 0.8067% | 1,489 |
| Net interest margin | 3.5000% | 3,704 |
| Noninterest income to average assets | 0.1959% | 4,730 |
| Noninterest expense to average assets | 2.4778% | 3,675 |
| Loan and lease loss provision to assets | 0.0276% | 3,624 |
| Net operating income to assets | 0.7836% | 3,867 |
| Return on assets (ROA) | 0.7740% | 3,903 |
| Pretax return on assets | 0.9190% | 3,845 |
| Return on Equity (ROE) | 9.1259% | 2,934 |
| Retained earnings to average equity (ytd only) | 5.8788% | 2,248 |
| Net charge-offs to loans | 0.0065% | 3,458 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 208.0000% | 441 |
| Efficiency ratio | 72.1180% | 1,876 |
| Assets per employee ($millions) | 5.2367% | 2,218 |
| Cash dividends to net income (ytd only)* | 35.5811% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,555 |
| Loan loss allowance to noncurrent loans | 1,065.4167% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 4,488 |
| Noncurrent loans to loans | 0.0958% | 4,313 |
| Net loans and leases to total assets | 70.6759% | 2,467 |
| Net loans and leases to deposits | 80.8974% | 2,866 |
| Net loans and leases to core deposits | 95.0605% | 2,132 |
| Total domestic deposits to total assets | 87.3648% | 1,600 |
| Equity capital to assets | 8.1531% | 5,107 |
| Core capital (leverage) ratio | 8.5161% | 5,023 |
| Tier 1 risk-based capital ratio | 11.6066% | 4,663 |
| Total risk-based capital ratio | 12.6097% | 4,695 |
| Memoranda: | ||
| Average total assets | $325,697,800 | 2,018 |
| Average earning assets | $301,482,000 | 2,016 |
| Average equity | $27,624,600 | 2,476 |
| Average total loans | $229,714,800 | 1,947 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 3,113 |
| Cost of funding earning assets | 0.7236% | 1,731 |
| Net interest margin | 3.5377% | 3,566 |
| Noninterest income to average assets | 0.1983% | 4,786 |
| Noninterest expense to average assets | 2.4983% | 3,609 |
| Loan and lease loss provision to assets | 0.0284% | 3,441 |
| Net operating income to assets | 0.7954% | 3,921 |
| Return on assets (ROA) | 0.7823% | 3,975 |
| Pretax return on assets | 0.9234% | 3,939 |
| Return on Equity (ROE) | 9.1259% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.8486% | 2,733 |
| Net charge-offs to loans | 0.0137% | 2,936 |
| Credit loss provision to net charge-offs | 295.6522% | 1,037 |
| Earnings coverage of net charge-offs (x) | 100.7258% | 746 |
| Efficiency ratio | 72.0911% | 1,867 |
| Assets per employee ($millions) | 4.9217% | 2,564 |
| Cash dividends to net income (ytd only)* | 35.9125% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,421 |
| Loan loss allowance to noncurrent loans | 1,540.8537% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 4,728 |
| Noncurrent loans to loans | 0.0687% | 4,573 |
| Net loans and leases to total assets | 69.5360% | 2,717 |
| Net loans and leases to deposits | 79.8925% | 3,060 |
| Net loans and leases to core deposits | 91.1094% | 2,551 |
| Total domestic deposits to total assets | 87.0369% | 1,711 |
| Equity capital to assets | 8.0858% | 5,143 |
| Core capital (leverage) ratio | 8.8218% | 4,872 |
| Tier 1 risk-based capital ratio | 11.7303% | 4,642 |
| Total risk-based capital ratio | 12.7467% | 4,678 |
| Memoranda: | ||
| Average total assets | $319,407,000 | 2,060 |
| Average earning assets | $294,987,750 | 2,057 |
| Average equity | $27,379,250 | 2,497 |
| Average total loans | $224,510,750 | 1,996 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 3,136 |
| Cost of funding earning assets | 0.6316% | 2,037 |
| Net interest margin | 3.5614% | 3,432 |
| Noninterest income to average assets | 0.1996% | 4,822 |
| Noninterest expense to average assets | 2.4466% | 3,784 |
| Loan and lease loss provision to assets | 0.0288% | 3,334 |
| Net operating income to assets | 0.8495% | 3,681 |
| Return on assets (ROA) | 0.8296% | 3,756 |
| Pretax return on assets | 0.9934% | 3,685 |
| Return on Equity (ROE) | 9.4835% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.2078% | 2,456 |
| Net charge-offs to loans | 0.0082% | 2,832 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 181.6667% | 452 |
| Efficiency ratio | 70.0549% | 2,306 |
| Assets per employee ($millions) | 4.7969% | 2,687 |
| Cash dividends to net income (ytd only)* | 34.5412% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,298 |
| Loan loss allowance to noncurrent loans | 1,406.7039% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,751 |
| Noncurrent loans to loans | 0.0778% | 4,566 |
| Net loans and leases to total assets | 69.7711% | 2,612 |
| Net loans and leases to deposits | 80.6356% | 2,882 |
| Net loans and leases to core deposits | 91.7570% | 2,423 |
| Total domestic deposits to total assets | 86.5265% | 2,043 |
| Equity capital to assets | 8.4105% | 5,006 |
| Core capital (leverage) ratio | 9.2078% | 4,453 |
| Tier 1 risk-based capital ratio | 12.0181% | 4,479 |
| Total risk-based capital ratio | 13.0684% | 4,494 |
| Memoranda: | ||
| Average total assets | $312,678,000 | 2,107 |
| Average earning assets | $289,100,000 | 2,104 |
| Average equity | $27,352,670 | 2,510 |
| Average total loans | $219,792,000 | 2,034 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1536% | 3,053 |
| Cost of funding earning assets | 0.5853% | 2,137 |
| Net interest margin | 3.5683% | 3,289 |
| Noninterest income to average assets | 0.2053% | 4,798 |
| Noninterest expense to average assets | 2.3941% | 3,961 |
| Loan and lease loss provision to assets | 0.0301% | 3,111 |
| Net operating income to assets | 0.8966% | 3,307 |
| Return on assets (ROA) | 0.8564% | 3,485 |
| Pretax return on assets | 1.0329% | 3,421 |
| Return on Equity (ROE) | 9.5929% | 2,639 |
| Retained earnings to average equity (ytd only) | 6.3122% | 2,578 |
| Net charge-offs to loans | 0.0205% | 2,087 |
| Credit loss provision to net charge-offs | 209.0909% | 1,019 |
| Earnings coverage of net charge-offs (x) | 77.2727% | 721 |
| Efficiency ratio | 68.2954% | 2,785 |
| Assets per employee ($millions) | 4.7976% | 2,739 |
| Cash dividends to net income (ytd only)* | 34.1985% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,113 |
| Loan loss allowance to noncurrent loans | 1,696.5986% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,861 |
| Noncurrent loans to loans | 0.0676% | 4,676 |
| Net loans and leases to total assets | 70.0602% | 2,478 |
| Net loans and leases to deposits | 80.5695% | 2,744 |
| Net loans and leases to core deposits | 90.1819% | 2,436 |
| Total domestic deposits to total assets | 86.9562% | 2,141 |
| Equity capital to assets | 8.8458% | 4,708 |
| Core capital (leverage) ratio | 9.3639% | 4,235 |
| Tier 1 risk-based capital ratio | 12.5153% | 4,230 |
| Total risk-based capital ratio | 13.6145% | 4,222 |
| Memoranda: | ||
| Average total assets | $305,923,000 | 2,158 |
| Average earning assets | $282,932,000 | 2,163 |
| Average equity | $27,312,000 | 2,534 |
| Average total loans | $214,636,500 | 2,084 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,130 |
| Cost of funding earning assets | 0.4775% | 2,524 |
| Net interest margin | 3.6025% | 3,158 |
| Noninterest income to average assets | 0.1977% | 4,962 |
| Noninterest expense to average assets | 2.3240% | 4,269 |
| Loan and lease loss provision to assets | 0.0303% | 3,671 |
| Net operating income to assets | 0.7714% | 3,296 |
| Return on assets (ROA) | 0.7707% | 3,339 |
| Pretax return on assets | 1.1701% | 2,892 |
| Return on Equity (ROE) | 8.4591% | 2,577 |
| Retained earnings to average equity (ytd only) | 5.1849% | 2,013 |
| Net charge-offs to loans | 0.0020% | 4,047 |
| Credit loss provision to net charge-offs | 2,250.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 892.0000% | 93 |
| Efficiency ratio | 65.9217% | 3,286 |
| Assets per employee ($millions) | 4.9967% | 2,481 |
| Cash dividends to net income (ytd only)* | 38.7069% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 2,932 |
| Loan loss allowance to noncurrent loans | 1,021.3992% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 4,717 |
| Noncurrent loans to loans | 0.1148% | 4,473 |
| Net loans and leases to total assets | 68.6286% | 2,738 |
| Net loans and leases to deposits | 80.4382% | 2,869 |
| Net loans and leases to core deposits | 90.3007% | 2,538 |
| Total domestic deposits to total assets | 85.3184% | 2,718 |
| Equity capital to assets | 9.0103% | 4,712 |
| Core capital (leverage) ratio | 9.3018% | 4,288 |
| Tier 1 risk-based capital ratio | 12.7170% | 4,082 |
| Total risk-based capital ratio | 13.8457% | 4,038 |
| Memoranda: | ||
| Average total assets | $296,986,800 | 2,179 |
| Average earning assets | $274,338,800 | 2,186 |
| Average equity | $27,059,600 | 2,542 |
| Average total loans | $198,185,400 | 2,169 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,132 |
| Cost of funding earning assets | 0.4627% | 2,592 |
| Net interest margin | 3.5986% | 3,158 |
| Noninterest income to average assets | 0.1970% | 5,022 |
| Noninterest expense to average assets | 2.2686% | 4,378 |
| Loan and lease loss provision to assets | 0.0307% | 3,507 |
| Net operating income to assets | 0.9046% | 3,008 |
| Return on assets (ROA) | 0.9106% | 3,032 |
| Pretax return on assets | 1.2310% | 2,782 |
| Return on Equity (ROE) | 9.9656% | 2,151 |
| Retained earnings to average equity (ytd only) | 6.6767% | 1,855 |
| Net charge-offs to loans | -0.0021% | 4,324 |
| Credit loss provision to net charge-offs | -2,266.6667% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4085% | 3,461 |
| Assets per employee ($millions) | 4.9883% | 2,463 |
| Cash dividends to net income (ytd only)* | 33.0023% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 2,841 |
| Loan loss allowance to noncurrent loans | 897.0909% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 4,776 |
| Noncurrent loans to loans | 0.1353% | 4,515 |
| Net loans and leases to total assets | 67.0643% | 2,974 |
| Net loans and leases to deposits | 78.0608% | 3,154 |
| Net loans and leases to core deposits | 87.1619% | 2,862 |
| Total domestic deposits to total assets | 85.9129% | 2,339 |
| Equity capital to assets | 9.3627% | 4,583 |
| Core capital (leverage) ratio | 9.4140% | 4,275 |
| Tier 1 risk-based capital ratio | 13.1069% | 3,937 |
| Total risk-based capital ratio | 14.2654% | 3,909 |
| Memoranda: | ||
| Average total assets | $295,034,250 | 2,210 |
| Average earning assets | $272,617,250 | 2,213 |
| Average equity | $26,958,750 | 2,566 |
| Average total loans | $194,816,750 | 2,211 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,004 |
| Cost of funding earning assets | 0.4466% | 2,633 |
| Net interest margin | 3.6061% | 3,013 |
| Noninterest income to average assets | 0.1962% | 5,067 |
| Noninterest expense to average assets | 2.3037% | 4,336 |
| Loan and lease loss provision to assets | 0.0307% | 3,389 |
| Net operating income to assets | 0.8846% | 2,993 |
| Return on assets (ROA) | 0.8937% | 3,002 |
| Pretax return on assets | 1.2070% | 2,741 |
| Return on Equity (ROE) | 9.8631% | 2,098 |
| Retained earnings to average equity (ytd only) | 6.5328% | 1,828 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2770% | 3,464 |
| Assets per employee ($millions) | 4.9713% | 2,428 |
| Cash dividends to net income (ytd only)* | 33.7652% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,586 |
| Loan loss allowance to noncurrent loans | 1,291.5344% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 4,947 |
| Noncurrent loans to loans | 0.0981% | 4,737 |
| Net loans and leases to total assets | 64.8325% | 3,275 |
| Net loans and leases to deposits | 74.1096% | 3,536 |
| Net loans and leases to core deposits | 83.3050% | 3,144 |
| Total domestic deposits to total assets | 87.4820% | 1,734 |
| Equity capital to assets | 9.3575% | 4,556 |
| Core capital (leverage) ratio | 9.3791% | 4,256 |
| Tier 1 risk-based capital ratio | 13.3781% | 3,762 |
| Total risk-based capital ratio | 14.5687% | 3,707 |
| Memoranda: | ||
| Average total assets | $293,614,000 | 2,228 |
| Average earning assets | $271,376,330 | 2,226 |
| Average equity | $26,604,330 | 2,589 |
| Average total loans | $192,026,670 | 2,241 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9209% | 3,321 |
| Cost of funding earning assets | 0.4453% | 2,568 |
| Net interest margin | 3.4756% | 3,369 |
| Noninterest income to average assets | 0.2029% | 5,052 |
| Noninterest expense to average assets | 2.3570% | 4,240 |
| Loan and lease loss provision to assets | 0.0313% | 3,155 |
| Net operating income to assets | 0.7754% | 3,336 |
| Return on assets (ROA) | 0.7938% | 3,308 |
| Pretax return on assets | 1.0593% | 3,139 |
| Return on Equity (ROE) | 8.9064% | 2,463 |
| Retained earnings to average equity (ytd only) | 5.4996% | 2,597 |
| Net charge-offs to loans | 0.0083% | 2,685 |
| Credit loss provision to net charge-offs | 575.0000% | 531 |
| Earnings coverage of net charge-offs (x) | 195.7500% | 287 |
| Efficiency ratio | 68.8544% | 3,072 |
| Assets per employee ($millions) | 5.0703% | 2,348 |
| Cash dividends to net income (ytd only)* | 38.2504% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,617 |
| Loan loss allowance to noncurrent loans | 393.3225% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 4,400 |
| Noncurrent loans to loans | 0.3264% | 3,953 |
| Net loans and leases to total assets | 63.1515% | 3,383 |
| Net loans and leases to deposits | 71.9308% | 3,614 |
| Net loans and leases to core deposits | 79.6825% | 3,323 |
| Total domestic deposits to total assets | 87.7948% | 1,829 |
| Equity capital to assets | 9.0183% | 4,787 |
| Core capital (leverage) ratio | 9.3350% | 4,299 |
| Tier 1 risk-based capital ratio | 13.4309% | 3,814 |
| Total risk-based capital ratio | 14.6358% | 3,763 |
| Memoranda: | ||
| Average total assets | $293,768,500 | 2,241 |
| Average earning assets | $272,180,500 | 2,236 |
| Average equity | $26,183,500 | 2,625 |
| Average total loans | $191,741,000 | 2,258 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,562 |
| Cost of funding earning assets | 0.4543% | 2,501 |
| Net interest margin | 3.4480% | 3,636 |
| Noninterest income to average assets | 0.1995% | 5,219 |
| Noninterest expense to average assets | 2.3146% | 4,526 |
| Loan and lease loss provision to assets | 0.0646% | 3,080 |
| Net operating income to assets | 0.7841% | 3,381 |
| Return on assets (ROA) | 0.7841% | 3,481 |
| Pretax return on assets | 1.0314% | 3,359 |
| Return on Equity (ROE) | 8.2882% | 2,793 |
| Retained earnings to average equity (ytd only) | 4.9653% | 2,365 |
| Net charge-offs to loans | 0.0287% | 3,445 |
| Credit loss provision to net charge-offs | 352.9412% | 871 |
| Earnings coverage of net charge-offs (x) | 59.8824% | 891 |
| Efficiency ratio | 67.8662% | 3,262 |
| Assets per employee ($millions) | 5.0596% | 2,327 |
| Cash dividends to net income (ytd only)* | 40.0915% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,962 |
| Loan loss allowance to noncurrent loans | 372.6283% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 4,430 |
| Noncurrent loans to loans | 0.3292% | 3,961 |
| Net loans and leases to total assets | 65.7524% | 3,107 |
| Net loans and leases to deposits | 77.2583% | 3,179 |
| Net loans and leases to core deposits | 85.4339% | 2,890 |
| Total domestic deposits to total assets | 85.1072% | 3,002 |
| Equity capital to assets | 8.8074% | 5,001 |
| Core capital (leverage) ratio | 9.2627% | 4,390 |
| Tier 1 risk-based capital ratio | 13.0994% | 4,000 |
| Total risk-based capital ratio | 14.2821% | 3,958 |
| Memoranda: | ||
| Average total assets | $278,660,600 | 2,293 |
| Average earning assets | $259,510,800 | 2,286 |
| Average equity | $26,362,800 | 2,607 |
| Average total loans | $177,594,200 | 2,336 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8828% | 3,646 |
| Cost of funding earning assets | 0.4592% | 2,465 |
| Net interest margin | 3.4236% | 3,760 |
| Noninterest income to average assets | 0.2080% | 5,224 |
| Noninterest expense to average assets | 2.3363% | 4,442 |
| Loan and lease loss provision to assets | 0.0655% | 2,916 |
| Net operating income to assets | 0.7972% | 3,376 |
| Return on assets (ROA) | 0.7972% | 3,517 |
| Pretax return on assets | 0.9984% | 3,639 |
| Return on Equity (ROE) | 8.2740% | 2,869 |
| Retained earnings to average equity (ytd only) | 4.9674% | 2,848 |
| Net charge-offs to loans | 0.0339% | 2,958 |
| Credit loss provision to net charge-offs | 306.8182% | 1,013 |
| Earnings coverage of net charge-offs (x) | 49.8596% | 1,074 |
| Efficiency ratio | 68.7108% | 3,096 |
| Assets per employee ($millions) | 5.0443% | 2,319 |
| Cash dividends to net income (ytd only)* | 39.9635% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,690 |
| Loan loss allowance to noncurrent loans | 341.2446% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 4,458 |
| Noncurrent loans to loans | 0.3811% | 3,895 |
| Net loans and leases to total assets | 63.3578% | 3,481 |
| Net loans and leases to deposits | 72.2661% | 3,780 |
| Net loans and leases to core deposits | 80.3938% | 3,409 |
| Total domestic deposits to total assets | 87.6729% | 1,574 |
| Equity capital to assets | 9.6601% | 4,502 |
| Core capital (leverage) ratio | 9.3004% | 4,459 |
| Tier 1 risk-based capital ratio | 13.8588% | 3,629 |
| Total risk-based capital ratio | 15.1042% | 3,561 |
| Memoranda: | ||
| Average total assets | $274,961,500 | 2,327 |
| Average earning assets | $256,369,250 | 2,315 |
| Average equity | $26,492,000 | 2,619 |
| Average total loans | $173,155,000 | 2,385 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 3,579 |
| Cost of funding earning assets | 0.4560% | 2,509 |
| Net interest margin | 3.4523% | 3,671 |
| Noninterest income to average assets | 0.1894% | 5,363 |
| Noninterest expense to average assets | 2.3138% | 4,572 |
| Loan and lease loss provision to assets | 0.0661% | 2,819 |
| Net operating income to assets | 0.8434% | 3,118 |
| Return on assets (ROA) | 0.8434% | 3,248 |
| Pretax return on assets | 1.0277% | 3,485 |
| Return on Equity (ROE) | 8.7621% | 2,602 |
| Retained earnings to average equity (ytd only) | 5.4220% | 2,469 |
| Net charge-offs to loans | 0.0293% | 2,890 |
| Credit loss provision to net charge-offs | 360.0000% | 838 |
| Earnings coverage of net charge-offs (x) | 59.6000% | 887 |
| Efficiency ratio | 67.9018% | 3,364 |
| Assets per employee ($millions) | 5.0016% | 2,291 |
| Cash dividends to net income (ytd only)* | 38.1201% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,563 |
| Loan loss allowance to noncurrent loans | 407.6923% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,552 |
| Noncurrent loans to loans | 0.3293% | 4,186 |
| Net loans and leases to total assets | 62.2973% | 3,589 |
| Net loans and leases to deposits | 71.3284% | 3,853 |
| Net loans and leases to core deposits | 80.1738% | 3,448 |
| Total domestic deposits to total assets | 87.3386% | 1,743 |
| Equity capital to assets | 9.9008% | 4,342 |
| Core capital (leverage) ratio | 9.3938% | 4,343 |
| Tier 1 risk-based capital ratio | 14.2019% | 3,494 |
| Total risk-based capital ratio | 15.4524% | 3,413 |
| Memoranda: | ||
| Average total assets | $272,454,330 | 2,358 |
| Average earning assets | $253,973,000 | 2,356 |
| Average equity | $26,226,670 | 2,647 |
| Average total loans | $170,429,000 | 2,407 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 3,620 |
| Cost of funding earning assets | 0.4780% | 2,297 |
| Net interest margin | 3.4123% | 3,830 |
| Noninterest income to average assets | 0.1844% | 5,397 |
| Noninterest expense to average assets | 2.2365% | 4,816 |
| Loan and lease loss provision to assets | 0.0664% | 2,636 |
| Net operating income to assets | 0.8070% | 3,205 |
| Return on assets (ROA) | 0.8070% | 3,327 |
| Pretax return on assets | 1.0622% | 3,235 |
| Return on Equity (ROE) | 8.5063% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.1007% | 2,871 |
| Net charge-offs to loans | 0.0450% | 2,118 |
| Credit loss provision to net charge-offs | 236.8421% | 975 |
| Earnings coverage of net charge-offs (x) | 40.2632% | 1,005 |
| Efficiency ratio | 66.4621% | 3,723 |
| Assets per employee ($millions) | 5.1362% | 2,200 |
| Cash dividends to net income (ytd only)* | 40.0366% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 2,481 |
| Loan loss allowance to noncurrent loans | 447.8516% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 4,662 |
| Noncurrent loans to loans | 0.3099% | 4,318 |
| Net loans and leases to total assets | 58.7422% | 3,956 |
| Net loans and leases to deposits | 66.8586% | 4,170 |
| Net loans and leases to core deposits | 75.0886% | 3,780 |
| Total domestic deposits to total assets | 87.8604% | 1,719 |
| Equity capital to assets | 9.3894% | 4,779 |
| Core capital (leverage) ratio | 9.3580% | 4,413 |
| Tier 1 risk-based capital ratio | 14.0799% | 3,637 |
| Total risk-based capital ratio | 15.3310% | 3,569 |
| Memoranda: | ||
| Average total assets | $271,137,000 | 2,373 |
| Average earning assets | $252,733,500 | 2,367 |
| Average equity | $25,722,000 | 2,682 |
| Average total loans | $168,791,000 | 2,415 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,173 |
| Cost of funding earning assets | 0.5043% | 2,121 |
| Net interest margin | 3.5300% | 3,411 |
| Noninterest income to average assets | 0.1736% | 5,546 |
| Noninterest expense to average assets | 2.3243% | 4,721 |
| Loan and lease loss provision to assets | 0.0707% | 2,865 |
| Net operating income to assets | 0.8244% | 3,225 |
| Return on assets (ROA) | 0.8269% | 3,287 |
| Pretax return on assets | 1.0787% | 3,158 |
| Return on Equity (ROE) | 8.4821% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.9724% | 2,438 |
| Net charge-offs to loans | 0.0748% | 2,759 |
| Credit loss provision to net charge-offs | 145.1613% | 1,825 |
| Earnings coverage of net charge-offs (x) | 23.5323% | 1,728 |
| Efficiency ratio | 66.9723% | 3,755 |
| Assets per employee ($millions) | 4.9059% | 2,465 |
| Cash dividends to net income (ytd only)* | 41.3777% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,813 |
| Loan loss allowance to noncurrent loans | 457.9798% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 4,858 |
| Noncurrent loans to loans | 0.2872% | 4,437 |
| Net loans and leases to total assets | 64.2074% | 3,245 |
| Net loans and leases to deposits | 73.4589% | 3,558 |
| Net loans and leases to core deposits | 82.8900% | 3,060 |
| Total domestic deposits to total assets | 87.4059% | 1,923 |
| Equity capital to assets | 9.5886% | 4,448 |
| Core capital (leverage) ratio | 9.5051% | 4,162 |
| Tier 1 risk-based capital ratio | 13.7039% | 3,882 |
| Total risk-based capital ratio | 14.9341% | 3,828 |
| Memoranda: | ||
| Average total assets | $254,574,600 | 2,474 |
| Average earning assets | $237,762,400 | 2,444 |
| Average equity | $24,817,000 | 2,710 |
| Average total loans | $165,679,600 | 2,395 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,212 |
| Cost of funding earning assets | 0.5064% | 2,155 |
| Net interest margin | 3.5239% | 3,451 |
| Noninterest income to average assets | 0.1762% | 5,597 |
| Noninterest expense to average assets | 2.3022% | 4,774 |
| Loan and lease loss provision to assets | 0.0714% | 2,748 |
| Net operating income to assets | 0.8418% | 3,208 |
| Return on assets (ROA) | 0.8450% | 3,280 |
| Pretax return on assets | 1.1058% | 3,197 |
| Return on Equity (ROE) | 8.6308% | 2,770 |
| Retained earnings to average equity (ytd only) | 5.0963% | 2,847 |
| Net charge-offs to loans | 0.1008% | 2,138 |
| Credit loss provision to net charge-offs | 108.8710% | 2,128 |
| Earnings coverage of net charge-offs (x) | 17.8790% | 2,039 |
| Efficiency ratio | 66.2454% | 3,854 |
| Assets per employee ($millions) | 4.9248% | 2,391 |
| Cash dividends to net income (ytd only)* | 40.9519% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 3,052 |
| Loan loss allowance to noncurrent loans | 370.3333% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2299% | 4,845 |
| Noncurrent loans to loans | 0.3527% | 4,347 |
| Net loans and leases to total assets | 64.3241% | 3,253 |
| Net loans and leases to deposits | 73.6921% | 3,574 |
| Net loans and leases to core deposits | 83.7323% | 3,076 |
| Total domestic deposits to total assets | 87.2877% | 1,899 |
| Equity capital to assets | 9.6389% | 4,591 |
| Core capital (leverage) ratio | 9.7101% | 4,020 |
| Tier 1 risk-based capital ratio | 13.8031% | 3,963 |
| Total risk-based capital ratio | 15.0318% | 3,914 |
| Memoranda: | ||
| Average total assets | $251,988,750 | 2,512 |
| Average earning assets | $235,906,500 | 2,474 |
| Average equity | $24,670,750 | 2,741 |
| Average total loans | $164,008,500 | 2,434 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,123 |
| Cost of funding earning assets | 0.5048% | 2,210 |
| Net interest margin | 3.5359% | 3,355 |
| Noninterest income to average assets | 0.1775% | 5,635 |
| Noninterest expense to average assets | 2.2797% | 4,891 |
| Loan and lease loss provision to assets | 0.0723% | 2,662 |
| Net operating income to assets | 0.8834% | 2,972 |
| Return on assets (ROA) | 0.8884% | 3,067 |
| Pretax return on assets | 1.1407% | 3,005 |
| Return on Equity (ROE) | 9.0256% | 2,526 |
| Retained earnings to average equity (ytd only) | 5.4676% | 2,553 |
| Net charge-offs to loans | 0.1482% | 1,603 |
| Credit loss provision to net charge-offs | 75.0000% | 2,399 |
| Earnings coverage of net charge-offs (x) | 12.5167% | 2,194 |
| Efficiency ratio | 65.3917% | 4,114 |
| Assets per employee ($millions) | 4.7539% | 2,602 |
| Cash dividends to net income (ytd only)* | 39.4213% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 3,040 |
| Loan loss allowance to noncurrent loans | 308.0508% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 4,731 |
| Noncurrent loans to loans | 0.4341% | 4,180 |
| Net loans and leases to total assets | 65.0889% | 3,110 |
| Net loans and leases to deposits | 74.9296% | 3,392 |
| Net loans and leases to core deposits | 85.2670% | 2,854 |
| Total domestic deposits to total assets | 86.8668% | 2,236 |
| Equity capital to assets | 9.9011% | 4,156 |
| Core capital (leverage) ratio | 9.8979% | 3,742 |
| Tier 1 risk-based capital ratio | 14.1926% | 3,819 |
| Total risk-based capital ratio | 15.4429% | 3,746 |
| Memoranda: | ||
| Average total assets | $248,980,330 | 2,559 |
| Average earning assets | $232,982,670 | 2,516 |
| Average equity | $24,508,000 | 2,769 |
| Average total loans | $161,972,330 | 2,466 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8820% | 3,693 |
| Cost of funding earning assets | 0.5158% | 2,146 |
| Net interest margin | 3.3662% | 3,966 |
| Noninterest income to average assets | 0.1729% | 5,677 |
| Noninterest expense to average assets | 2.1627% | 5,248 |
| Loan and lease loss provision to assets | 0.0720% | 2,498 |
| Net operating income to assets | 0.8296% | 3,117 |
| Return on assets (ROA) | 0.8308% | 3,236 |
| Pretax return on assets | 1.0950% | 3,101 |
| Return on Equity (ROE) | 8.4652% | 2,717 |
| Retained earnings to average equity (ytd only) | 4.9095% | 3,106 |
| Net charge-offs to loans | 0.3048% | 778 |
| Credit loss provision to net charge-offs | 36.5854% | 2,209 |
| Earnings coverage of net charge-offs (x) | 5.9187% | 2,344 |
| Efficiency ratio | 64.9832% | 4,320 |
| Assets per employee ($millions) | 4.8286% | 2,583 |
| Cash dividends to net income (ytd only)* | 42.0039% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 3,104 |
| Loan loss allowance to noncurrent loans | 335.3774% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 4,927 |
| Noncurrent loans to loans | 0.4053% | 4,375 |
| Net loans and leases to total assets | 61.6487% | 3,427 |
| Net loans and leases to deposits | 70.4832% | 3,697 |
| Net loans and leases to core deposits | 79.0038% | 3,280 |
| Total domestic deposits to total assets | 87.4658% | 2,131 |
| Equity capital to assets | 9.8857% | 4,285 |
| Core capital (leverage) ratio | 9.8017% | 3,889 |
| Tier 1 risk-based capital ratio | 14.4103% | 3,770 |
| Total risk-based capital ratio | 15.6600% | 3,693 |
| Memoranda: | ||
| Average total assets | $249,868,000 | 2,561 |
| Average earning assets | $234,210,500 | 2,518 |
| Average equity | $24,524,000 | 2,785 |
| Average total loans | $161,416,500 | 2,477 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 3,250 |
| Cost of funding earning assets | 0.5332% | 2,350 |
| Net interest margin | 3.5860% | 3,460 |
| Noninterest income to average assets | 0.1883% | 5,731 |
| Noninterest expense to average assets | 2.3488% | 4,977 |
| Loan and lease loss provision to assets | 0.0873% | 2,724 |
| Net operating income to assets | 0.8137% | 3,305 |
| Return on assets (ROA) | 0.8652% | 3,136 |
| Pretax return on assets | 1.1823% | 2,722 |
| Return on Equity (ROE) | 8.9527% | 2,613 |
| Retained earnings to average equity (ytd only) | 5.2288% | 2,450 |
| Net charge-offs to loans | 0.0335% | 4,161 |
| Credit loss provision to net charge-offs | 396.2264% | 659 |
| Earnings coverage of net charge-offs (x) | 54.4340% | 860 |
| Efficiency ratio | 66.2059% | 4,215 |
| Assets per employee ($millions) | 4.8754% | 2,497 |
| Cash dividends to net income (ytd only)* | 41.5946% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 3,259 |
| Loan loss allowance to noncurrent loans | 278.4635% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,768 |
| Noncurrent loans to loans | 0.4786% | 4,222 |
| Net loans and leases to total assets | 65.8347% | 2,910 |
| Net loans and leases to deposits | 77.0468% | 3,079 |
| Net loans and leases to core deposits | 86.7048% | 2,631 |
| Total domestic deposits to total assets | 85.4476% | 3,104 |
| Equity capital to assets | 9.7431% | 4,424 |
| Core capital (leverage) ratio | 9.7736% | 3,870 |
| Tier 1 risk-based capital ratio | 14.6521% | 3,696 |
| Total risk-based capital ratio | 15.9039% | 3,622 |
| Memoranda: | ||
| Average total assets | $240,631,400 | 2,610 |
| Average earning assets | $225,433,800 | 2,570 |
| Average equity | $23,255,600 | 2,823 |
| Average total loans | $158,163,800 | 2,453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 3,385 |
| Cost of funding earning assets | 0.5319% | 2,451 |
| Net interest margin | 3.5661% | 3,574 |
| Noninterest income to average assets | 0.1916% | 5,770 |
| Noninterest expense to average assets | 2.3311% | 5,024 |
| Loan and lease loss provision to assets | 0.0922% | 2,512 |
| Net operating income to assets | 0.8192% | 3,345 |
| Return on assets (ROA) | 0.8895% | 3,062 |
| Pretax return on assets | 1.2013% | 2,774 |
| Return on Equity (ROE) | 9.2235% | 2,577 |
| Retained earnings to average equity (ytd only) | 5.4577% | 2,790 |
| Net charge-offs to loans | 0.0299% | 3,891 |
| Credit loss provision to net charge-offs | 471.4286% | 604 |
| Earnings coverage of net charge-offs (x) | 61.2798% | 851 |
| Efficiency ratio | 66.0440% | 4,209 |
| Assets per employee ($millions) | 4.7858% | 2,539 |
| Cash dividends to net income (ytd only)* | 40.8295% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 3,222 |
| Loan loss allowance to noncurrent loans | 259.0747% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 4,887 |
| Noncurrent loans to loans | 0.5369% | 4,328 |
| Net loans and leases to total assets | 63.4304% | 3,274 |
| Net loans and leases to deposits | 72.5648% | 3,618 |
| Net loans and leases to core deposits | 82.9100% | 3,012 |
| Total domestic deposits to total assets | 87.4120% | 2,085 |
| Equity capital to assets | 9.7339% | 4,507 |
| Core capital (leverage) ratio | 9.7704% | 3,971 |
| Tier 1 risk-based capital ratio | 15.1802% | 3,487 |
| Total risk-based capital ratio | 16.4326% | 3,426 |
| Memoranda: | ||
| Average total assets | $238,627,500 | 2,645 |
| Average earning assets | $223,360,000 | 2,601 |
| Average equity | $23,013,000 | 2,855 |
| Average total loans | $156,228,000 | 2,491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,366 |
| Cost of funding earning assets | 0.5257% | 2,580 |
| Net interest margin | 3.5696% | 3,486 |
| Noninterest income to average assets | 0.1900% | 5,821 |
| Noninterest expense to average assets | 2.3301% | 5,080 |
| Loan and lease loss provision to assets | 0.0760% | 2,751 |
| Net operating income to assets | 0.8456% | 3,096 |
| Return on assets (ROA) | 0.9096% | 2,858 |
| Pretax return on assets | 1.2128% | 2,608 |
| Return on Equity (ROE) | 9.4620% | 2,386 |
| Retained earnings to average equity (ytd only) | 5.6579% | 2,536 |
| Net charge-offs to loans | 0.0385% | 3,451 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 944 |
| Efficiency ratio | 65.9417% | 4,374 |
| Assets per employee ($millions) | 4.7789% | 2,507 |
| Cash dividends to net income (ytd only)* | 40.2043% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 3,625 |
| Loan loss allowance to noncurrent loans | 316.9415% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,003 |
| Noncurrent loans to loans | 0.4236% | 4,724 |
| Net loans and leases to total assets | 65.0172% | 2,905 |
| Net loans and leases to deposits | 74.6033% | 3,256 |
| Net loans and leases to core deposits | 84.1366% | 2,724 |
| Total domestic deposits to total assets | 87.1505% | 2,372 |
| Equity capital to assets | 9.8563% | 4,284 |
| Core capital (leverage) ratio | 9.7796% | 3,920 |
| Tier 1 risk-based capital ratio | 15.0902% | 3,585 |
| Total risk-based capital ratio | 16.3420% | 3,528 |
| Memoranda: | ||
| Average total assets | $236,812,000 | 2,661 |
| Average earning assets | $221,815,670 | 2,627 |
| Average equity | $22,764,670 | 2,877 |
| Average total loans | $155,970,330 | 2,493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9862% | 3,747 |
| Cost of funding earning assets | 0.5343% | 2,561 |
| Net interest margin | 3.4519% | 3,892 |
| Noninterest income to average assets | 0.1951% | 5,794 |
| Noninterest expense to average assets | 2.3602% | 5,037 |
| Loan and lease loss provision to assets | 0.0764% | 2,618 |
| Net operating income to assets | 0.7301% | 3,544 |
| Return on assets (ROA) | 0.8552% | 2,942 |
| Pretax return on assets | 1.1640% | 2,641 |
| Return on Equity (ROE) | 9.0115% | 2,458 |
| Retained earnings to average equity (ytd only) | 5.1315% | 3,035 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8273% | 4,040 |
| Assets per employee ($millions) | 4.7055% | 2,656 |
| Cash dividends to net income (ytd only)* | 43.0556% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 3,596 |
| Loan loss allowance to noncurrent loans | 214.6217% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 4,921 |
| Noncurrent loans to loans | 0.6528% | 4,227 |
| Net loans and leases to total assets | 61.5514% | 3,307 |
| Net loans and leases to deposits | 70.3563% | 3,553 |
| Net loans and leases to core deposits | 79.1704% | 3,067 |
| Total domestic deposits to total assets | 87.4854% | 2,519 |
| Equity capital to assets | 9.4511% | 4,563 |
| Core capital (leverage) ratio | 9.7709% | 3,902 |
| Tier 1 risk-based capital ratio | 15.5882% | 3,385 |
| Total risk-based capital ratio | 16.8405% | 3,351 |
| Memoranda: | ||
| Average total assets | $235,746,500 | 2,683 |
| Average earning assets | $220,863,500 | 2,643 |
| Average equity | $22,371,500 | 2,906 |
| Average total loans | $155,221,500 | 2,519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 3,005 |
| Cost of funding earning assets | 0.5868% | 2,778 |
| Net interest margin | 3.7025% | 3,043 |
| Noninterest income to average assets | 0.1988% | 5,896 |
| Noninterest expense to average assets | 2.3596% | 5,203 |
| Loan and lease loss provision to assets | 0.1164% | 2,868 |
| Net operating income to assets | 0.8688% | 2,932 |
| Return on assets (ROA) | 0.8644% | 3,031 |
| Pretax return on assets | 1.1514% | 2,766 |
| Return on Equity (ROE) | 8.6732% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.7055% | 3,580 |
| Net charge-offs to loans | 0.0114% | 5,226 |
| Credit loss provision to net charge-offs | 1,529.4118% | 163 |
| Earnings coverage of net charge-offs (x) | 167.3529% | 280 |
| Efficiency ratio | 64.9458% | 4,746 |
| Assets per employee ($millions) | 4.5394% | 2,840 |
| Cash dividends to net income (ytd only)* | 57.2760% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,252 |
| Loan loss allowance to noncurrent loans | 211.3169% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,991 |
| Noncurrent loans to loans | 0.6051% | 4,466 |
| Net loans and leases to total assets | 68.4968% | 2,263 |
| Net loans and leases to deposits | 79.6641% | 2,500 |
| Net loans and leases to core deposits | 90.5797% | 1,954 |
| Total domestic deposits to total assets | 85.9820% | 3,267 |
| Equity capital to assets | 9.5296% | 4,382 |
| Core capital (leverage) ratio | 9.9764% | 3,607 |
| Tier 1 risk-based capital ratio | 14.7072% | 3,836 |
| Total risk-based capital ratio | 15.9585% | 3,778 |
| Memoranda: | ||
| Average total assets | $223,384,200 | 2,778 |
| Average earning assets | $207,208,600 | 2,756 |
| Average equity | $22,264,000 | 2,896 |
| Average total loans | $149,370,600 | 2,568 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2710% | 3,104 |
| Cost of funding earning assets | 0.6036% | 2,779 |
| Net interest margin | 3.6674% | 3,162 |
| Noninterest income to average assets | 0.2048% | 5,951 |
| Noninterest expense to average assets | 2.4148% | 4,979 |
| Loan and lease loss provision to assets | 0.1295% | 2,674 |
| Net operating income to assets | 0.8005% | 3,341 |
| Return on assets (ROA) | 0.8005% | 3,474 |
| Pretax return on assets | 1.0601% | 3,264 |
| Return on Equity (ROE) | 7.9408% | 3,153 |
| Retained earnings to average equity (ytd only) | 2.6171% | 4,760 |
| Net charge-offs to loans | -0.0009% | 5,652 |
| Credit loss provision to net charge-offs | -21,500.0000% | 6,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9953% | 4,302 |
| Assets per employee ($millions) | 4.5403% | 2,818 |
| Cash dividends to net income (ytd only)* | 67.0427% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,292 |
| Loan loss allowance to noncurrent loans | 209.4008% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 5,150 |
| Noncurrent loans to loans | 0.6297% | 4,620 |
| Net loans and leases to total assets | 66.8250% | 2,496 |
| Net loans and leases to deposits | 76.1035% | 2,953 |
| Net loans and leases to core deposits | 86.3810% | 2,362 |
| Total domestic deposits to total assets | 87.8080% | 2,242 |
| Equity capital to assets | 9.6984% | 4,304 |
| Core capital (leverage) ratio | 9.9904% | 3,692 |
| Tier 1 risk-based capital ratio | 14.9954% | 3,758 |
| Total risk-based capital ratio | 16.2531% | 3,702 |
| Memoranda: | ||
| Average total assets | $221,352,750 | 2,823 |
| Average earning assets | $205,192,250 | 2,807 |
| Average equity | $22,314,500 | 2,926 |
| Average total loans | $146,555,500 | 2,627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 3,079 |
| Cost of funding earning assets | 0.6192% | 2,778 |
| Net interest margin | 3.6500% | 3,176 |
| Noninterest income to average assets | 0.2087% | 5,951 |
| Noninterest expense to average assets | 2.4387% | 4,935 |
| Loan and lease loss provision to assets | 0.1367% | 2,617 |
| Net operating income to assets | 0.7555% | 3,535 |
| Return on assets (ROA) | 0.7555% | 3,686 |
| Pretax return on assets | 1.0125% | 3,454 |
| Return on Equity (ROE) | 7.3973% | 3,398 |
| Retained earnings to average equity (ytd only) | 1.3920% | 5,327 |
| Net charge-offs to loans | -0.0832% | 6,451 |
| Credit loss provision to net charge-offs | -250.0000% | 5,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9705% | 4,186 |
| Assets per employee ($millions) | 4.6198% | 2,619 |
| Cash dividends to net income (ytd only)* | 81.1821% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,135 |
| Loan loss allowance to noncurrent loans | 191.0208% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 5,077 |
| Noncurrent loans to loans | 0.7215% | 4,484 |
| Net loans and leases to total assets | 65.2125% | 2,729 |
| Net loans and leases to deposits | 73.7510% | 3,194 |
| Net loans and leases to core deposits | 83.3466% | 2,650 |
| Total domestic deposits to total assets | 88.4225% | 1,969 |
| Equity capital to assets | 9.6695% | 4,355 |
| Core capital (leverage) ratio | 10.0584% | 3,437 |
| Tier 1 risk-based capital ratio | 15.4198% | 3,524 |
| Total risk-based capital ratio | 16.6780% | 3,483 |
| Memoranda: | ||
| Average total assets | $219,464,670 | 2,848 |
| Average earning assets | $203,177,670 | 2,834 |
| Average equity | $22,413,670 | 2,936 |
| Average total loans | $144,163,670 | 2,657 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 3,317 |
| Cost of funding earning assets | 0.6498% | 2,659 |
| Net interest margin | 3.5473% | 3,491 |
| Noninterest income to average assets | 0.2034% | 6,024 |
| Noninterest expense to average assets | 2.3836% | 5,173 |
| Loan and lease loss provision to assets | 0.1374% | 2,523 |
| Net operating income to assets | 0.7530% | 3,423 |
| Return on assets (ROA) | 0.7530% | 3,559 |
| Pretax return on assets | 0.9729% | 3,472 |
| Return on Equity (ROE) | 7.1792% | 3,394 |
| Retained earnings to average equity (ytd only) | -4.5765% | 6,333 |
| Net charge-offs to loans | -0.0560% | 6,182 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2223% | 4,271 |
| Assets per employee ($millions) | 4.8017% | 2,485 |
| Cash dividends to net income (ytd only)* | 163.7470% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3828% | 4,319 |
| Loan loss allowance to noncurrent loans | 135.1773% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 4,781 |
| Noncurrent loans to loans | 1.0229% | 4,089 |
| Net loans and leases to total assets | 61.5426% | 3,160 |
| Net loans and leases to deposits | 70.1761% | 3,453 |
| Net loans and leases to core deposits | 77.7370% | 3,113 |
| Total domestic deposits to total assets | 87.6973% | 2,517 |
| Equity capital to assets | 10.2396% | 3,869 |
| Core capital (leverage) ratio | 9.9837% | 3,409 |
| Tier 1 risk-based capital ratio | 15.9672% | 3,290 |
| Total risk-based capital ratio | 17.2120% | 3,251 |
| Memoranda: | ||
| Average total assets | $218,322,500 | 2,892 |
| Average earning assets | $202,521,000 | 2,873 |
| Average equity | $22,899,500 | 2,937 |
| Average total loans | $142,931,000 | 2,680 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5893% | 3,046 |
| Cost of funding earning assets | 0.7584% | 3,024 |
| Net interest margin | 3.8309% | 3,095 |
| Noninterest income to average assets | 0.2082% | 5,924 |
| Noninterest expense to average assets | 2.3162% | 5,646 |
| Loan and lease loss provision to assets | 0.1439% | 3,809 |
| Net operating income to assets | 0.9825% | 2,416 |
| Return on assets (ROA) | 0.9825% | 2,639 |
| Pretax return on assets | 1.3131% | 2,345 |
| Return on Equity (ROE) | 9.0511% | 2,620 |
| Retained earnings to average equity (ytd only) | 5.2857% | 2,512 |
| Net charge-offs to loans | 0.0448% | 5,284 |
| Credit loss provision to net charge-offs | 483.8710% | 503 |
| Earnings coverage of net charge-offs (x) | 48.9839% | 688 |
| Efficiency ratio | 61.3859% | 5,334 |
| Assets per employee ($millions) | 4.7948% | 2,502 |
| Cash dividends to net income (ytd only)* | 41.6016% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 5,003 |
| Loan loss allowance to noncurrent loans | 119.7751% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 4,633 |
| Noncurrent loans to loans | 1.0215% | 4,162 |
| Net loans and leases to total assets | 67.7634% | 2,222 |
| Net loans and leases to deposits | 79.6599% | 2,332 |
| Net loans and leases to core deposits | 88.4375% | 2,037 |
| Total domestic deposits to total assets | 85.0658% | 3,833 |
| Equity capital to assets | 10.7440% | 3,225 |
| Core capital (leverage) ratio | 10.2395% | 3,083 |
| Tier 1 risk-based capital ratio | 15.3210% | 3,529 |
| Total risk-based capital ratio | 16.5493% | 3,498 |
| Memoranda: | ||
| Average total assets | $208,441,800 | 2,944 |
| Average earning assets | $193,973,000 | 2,912 |
| Average equity | $22,627,200 | 2,898 |
| Average total loans | $138,532,600 | 2,733 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 3,089 |
| Cost of funding earning assets | 0.7769% | 3,142 |
| Net interest margin | 3.8557% | 3,097 |
| Noninterest income to average assets | 0.2097% | 6,036 |
| Noninterest expense to average assets | 2.3173% | 5,642 |
| Loan and lease loss provision to assets | 0.1452% | 3,718 |
| Net operating income to assets | 1.0248% | 2,389 |
| Return on assets (ROA) | 1.0248% | 2,608 |
| Pretax return on assets | 1.3436% | 2,435 |
| Return on Equity (ROE) | 9.4149% | 2,631 |
| Retained earnings to average equity (ytd only) | 5.6264% | 2,938 |
| Net charge-offs to loans | 0.0353% | 5,152 |
| Credit loss provision to net charge-offs | 625.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 64.0817% | 620 |
| Efficiency ratio | 60.8850% | 5,335 |
| Assets per employee ($millions) | 4.9271% | 2,286 |
| Cash dividends to net income (ytd only)* | 40.2394% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 5,047 |
| Loan loss allowance to noncurrent loans | 100.1706% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 4,554 |
| Noncurrent loans to loans | 1.2482% | 3,968 |
| Net loans and leases to total assets | 65.6821% | 2,714 |
| Net loans and leases to deposits | 75.8896% | 2,997 |
| Net loans and leases to core deposits | 84.9120% | 2,587 |
| Total domestic deposits to total assets | 86.5495% | 2,951 |
| Equity capital to assets | 10.9541% | 3,324 |
| Core capital (leverage) ratio | 10.2662% | 3,206 |
| Tier 1 risk-based capital ratio | 16.1697% | 3,182 |
| Total risk-based capital ratio | 17.4272% | 3,147 |
| Memoranda: | ||
| Average total assets | $206,610,500 | 3,001 |
| Average earning assets | $192,716,250 | 2,955 |
| Average equity | $22,488,500 | 2,943 |
| Average total loans | $136,160,250 | 2,804 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 3,086 |
| Cost of funding earning assets | 0.7982% | 3,204 |
| Net interest margin | 3.8635% | 3,073 |
| Noninterest income to average assets | 0.2167% | 6,016 |
| Noninterest expense to average assets | 2.3528% | 5,611 |
| Loan and lease loss provision to assets | 0.1464% | 3,686 |
| Net operating income to assets | 0.9890% | 2,519 |
| Return on assets (ROA) | 0.9890% | 2,749 |
| Pretax return on assets | 1.3326% | 2,446 |
| Return on Equity (ROE) | 9.1062% | 2,765 |
| Retained earnings to average equity (ytd only) | 5.2767% | 3,113 |
| Net charge-offs to loans | -0.0030% | 6,118 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4013% | 5,350 |
| Assets per employee ($millions) | 5.1488% | 1,973 |
| Cash dividends to net income (ytd only)* | 42.0533% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,134 |
| Loan loss allowance to noncurrent loans | 89.8906% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 4,551 |
| Noncurrent loans to loans | 1.3865% | 3,843 |
| Net loans and leases to total assets | 64.7480% | 2,884 |
| Net loans and leases to deposits | 74.6204% | 3,187 |
| Net loans and leases to core deposits | 83.4277% | 2,765 |
| Total domestic deposits to total assets | 86.7698% | 2,912 |
| Equity capital to assets | 10.7721% | 3,372 |
| Core capital (leverage) ratio | 10.1959% | 3,151 |
| Tier 1 risk-based capital ratio | 16.2056% | 3,063 |
| Total risk-based capital ratio | 17.4637% | 3,022 |
| Memoranda: | ||
| Average total assets | $204,858,670 | 3,032 |
| Average earning assets | $191,689,000 | 2,976 |
| Average equity | $22,248,670 | 2,954 |
| Average total loans | $134,573,670 | 2,843 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 2,623 |
| Cost of funding earning assets | 0.8380% | 3,167 |
| Net interest margin | 3.9660% | 2,645 |
| Noninterest income to average assets | 0.2241% | 6,013 |
| Noninterest expense to average assets | 2.5122% | 5,111 |
| Loan and lease loss provision to assets | 0.1487% | 3,500 |
| Net operating income to assets | 1.0013% | 2,477 |
| Return on assets (ROA) | 1.0013% | 2,668 |
| Pretax return on assets | 1.2888% | 2,579 |
| Return on Equity (ROE) | 9.1806% | 2,744 |
| Retained earnings to average equity (ytd only) | 5.3084% | 3,375 |
| Net charge-offs to loans | -0.0060% | 5,832 |
| Credit loss provision to net charge-offs | -3,750.0000% | 6,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6044% | 5,004 |
| Assets per employee ($millions) | 5.0661% | 2,173 |
| Cash dividends to net income (ytd only)* | 42.1782% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 5,060 |
| Loan loss allowance to noncurrent loans | 80.6846% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 4,523 |
| Noncurrent loans to loans | 1.5990% | 3,721 |
| Net loans and leases to total assets | 60.7793% | 3,497 |
| Net loans and leases to deposits | 70.5992% | 3,641 |
| Net loans and leases to core deposits | 77.2012% | 3,438 |
| Total domestic deposits to total assets | 86.0906% | 3,474 |
| Equity capital to assets | 10.6577% | 3,314 |
| Core capital (leverage) ratio | 10.4325% | 2,834 |
| Tier 1 risk-based capital ratio | 16.6800% | 2,825 |
| Total risk-based capital ratio | 17.9298% | 2,778 |
| Memoranda: | ||
| Average total assets | $201,738,000 | 3,087 |
| Average earning assets | $189,510,000 | 3,020 |
| Average equity | $22,003,000 | 2,979 |
| Average total loans | $132,656,500 | 2,897 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 2,296 |
| Cost of funding earning assets | 1.0075% | 3,321 |
| Net interest margin | 4.1313% | 2,301 |
| Noninterest income to average assets | 0.3176% | 5,266 |
| Noninterest expense to average assets | 2.5300% | 5,352 |
| Loan and lease loss provision to assets | 0.1788% | 4,406 |
| Net operating income to assets | 1.1050% | 1,809 |
| Return on assets (ROA) | 1.1054% | 1,926 |
| Pretax return on assets | 1.4630% | 1,579 |
| Return on Equity (ROE) | 10.0577% | 2,040 |
| Retained earnings to average equity (ytd only) | 6.0289% | 2,000 |
| Net charge-offs to loans | 0.2784% | 4,032 |
| Credit loss provision to net charge-offs | 95.2381% | 3,784 |
| Earnings coverage of net charge-offs (x) | 8.7423% | 2,104 |
| Efficiency ratio | 60.6531% | 5,657 |
| Assets per employee ($millions) | 4.7748% | 2,482 |
| Cash dividends to net income (ytd only)* | 40.0571% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,647 |
| Loan loss allowance to noncurrent loans | 105.7124% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 5,070 |
| Noncurrent loans to loans | 1.0828% | 4,546 |
| Net loans and leases to total assets | 69.3917% | 2,144 |
| Net loans and leases to deposits | 81.5368% | 2,266 |
| Net loans and leases to core deposits | 89.6928% | 2,166 |
| Total domestic deposits to total assets | 85.1047% | 3,784 |
| Equity capital to assets | 11.1709% | 2,823 |
| Core capital (leverage) ratio | 10.4605% | 2,774 |
| Tier 1 risk-based capital ratio | 15.8675% | 3,115 |
| Total risk-based capital ratio | 17.0685% | 3,108 |
| Memoranda: | ||
| Average total assets | $190,156,400 | 3,184 |
| Average earning assets | $177,376,200 | 3,125 |
| Average equity | $20,899,400 | 3,018 |
| Average total loans | $128,245,800 | 3,016 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 2,322 |
| Cost of funding earning assets | 1.0347% | 3,430 |
| Net interest margin | 4.1314% | 2,352 |
| Noninterest income to average assets | 0.3150% | 5,344 |
| Noninterest expense to average assets | 2.5691% | 5,205 |
| Loan and lease loss provision to assets | 0.1165% | 4,976 |
| Net operating income to assets | 1.0928% | 1,997 |
| Return on assets (ROA) | 1.0928% | 2,143 |
| Pretax return on assets | 1.4735% | 1,729 |
| Return on Equity (ROE) | 9.9851% | 2,208 |
| Retained earnings to average equity (ytd only) | 5.8865% | 2,625 |
| Net charge-offs to loans | 0.1344% | 4,710 |
| Credit loss provision to net charge-offs | 129.9213% | 2,445 |
| Earnings coverage of net charge-offs (x) | 17.7243% | 1,337 |
| Efficiency ratio | 61.7697% | 5,450 |
| Assets per employee ($millions) | 4.7543% | 2,551 |
| Cash dividends to net income (ytd only)* | 41.0473% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 5,350 |
| Loan loss allowance to noncurrent loans | 92.1336% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 4,886 |
| Noncurrent loans to loans | 1.3336% | 4,303 |
| Net loans and leases to total assets | 67.1374% | 2,645 |
| Net loans and leases to deposits | 79.1160% | 2,792 |
| Net loans and leases to core deposits | 87.2303% | 2,599 |
| Total domestic deposits to total assets | 84.8595% | 3,839 |
| Equity capital to assets | 11.1134% | 3,038 |
| Core capital (leverage) ratio | 10.5515% | 2,808 |
| Tier 1 risk-based capital ratio | 15.7346% | 3,260 |
| Total risk-based capital ratio | 16.9881% | 3,220 |
| Memoranda: | ||
| Average total assets | $188,753,750 | 3,219 |
| Average earning assets | $175,626,000 | 3,163 |
| Average equity | $20,657,000 | 3,055 |
| Average total loans | $125,952,500 | 3,080 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1717% | 2,372 |
| Cost of funding earning assets | 1.0505% | 3,597 |
| Net interest margin | 4.1213% | 2,339 |
| Noninterest income to average assets | 0.3182% | 5,355 |
| Noninterest expense to average assets | 2.5850% | 5,241 |
| Loan and lease loss provision to assets | 0.0964% | 5,120 |
| Net operating income to assets | 1.0873% | 1,909 |
| Return on assets (ROA) | 1.0873% | 2,003 |
| Pretax return on assets | 1.4655% | 1,628 |
| Return on Equity (ROE) | 9.9893% | 2,116 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,550 |
| Net charge-offs to loans | 0.1745% | 4,124 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,540 |
| Efficiency ratio | 62.3353% | 5,536 |
| Assets per employee ($millions) | 4.7591% | 2,466 |
| Cash dividends to net income (ytd only)* | 42.1675% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,354 |
| Loan loss allowance to noncurrent loans | 101.1583% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 5,217 |
| Noncurrent loans to loans | 1.2279% | 4,611 |
| Net loans and leases to total assets | 65.6591% | 3,106 |
| Net loans and leases to deposits | 77.7973% | 3,156 |
| Net loans and leases to core deposits | 85.6113% | 2,971 |
| Total domestic deposits to total assets | 84.3976% | 4,170 |
| Equity capital to assets | 11.0285% | 2,921 |
| Core capital (leverage) ratio | 10.6482% | 2,571 |
| Tier 1 risk-based capital ratio | 16.0603% | 2,950 |
| Total risk-based capital ratio | 17.3158% | 2,914 |
| Memoranda: | ||
| Average total assets | $186,696,000 | 3,272 |
| Average earning assets | $173,442,330 | 3,213 |
| Average equity | $20,321,670 | 3,083 |
| Average total loans | $123,771,000 | 3,151 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 2,257 |
| Cost of funding earning assets | 1.0461% | 3,879 |
| Net interest margin | 4.1444% | 2,098 |
| Noninterest income to average assets | 0.3419% | 5,180 |
| Noninterest expense to average assets | 2.5792% | 5,298 |
| Loan and lease loss provision to assets | 0.0974% | 4,796 |
| Net operating income to assets | 1.1187% | 1,771 |
| Return on assets (ROA) | 1.1187% | 1,823 |
| Pretax return on assets | 1.4973% | 1,455 |
| Return on Equity (ROE) | 10.3475% | 1,978 |
| Retained earnings to average equity (ytd only) | 5.9043% | 2,699 |
| Net charge-offs to loans | 0.3563% | 2,639 |
| Credit loss provision to net charge-offs | 41.2844% | 3,918 |
| Earnings coverage of net charge-offs (x) | 6.7615% | 2,052 |
| Efficiency ratio | 61.7937% | 5,712 |
| Assets per employee ($millions) | 4.6356% | 2,681 |
| Cash dividends to net income (ytd only)* | 42.9400% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 5,171 |
| Loan loss allowance to noncurrent loans | 107.6923% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 5,259 |
| Noncurrent loans to loans | 1.1999% | 4,681 |
| Net loans and leases to total assets | 62.8664% | 3,687 |
| Net loans and leases to deposits | 74.4257% | 3,693 |
| Net loans and leases to core deposits | 82.3438% | 3,410 |
| Total domestic deposits to total assets | 84.4687% | 4,287 |
| Equity capital to assets | 10.8831% | 2,794 |
| Core capital (leverage) ratio | 10.7745% | 2,379 |
| Tier 1 risk-based capital ratio | 16.8734% | 2,524 |
| Total risk-based capital ratio | 18.1319% | 2,487 |
| Memoranda: | ||
| Average total assets | $184,863,000 | 3,324 |
| Average earning assets | $170,928,000 | 3,290 |
| Average equity | $19,985,500 | 3,120 |
| Average total loans | $122,375,500 | 3,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5586% | 2,052 |
| Cost of funding earning assets | 1.3262% | 3,712 |
| Net interest margin | 4.2323% | 2,055 |
| Noninterest income to average assets | 0.3267% | 5,448 |
| Noninterest expense to average assets | 2.6056% | 5,393 |
| Loan and lease loss provision to assets | 0.1226% | 5,934 |
| Net operating income to assets | 1.1627% | 1,504 |
| Return on assets (ROA) | 1.1428% | 1,650 |
| Pretax return on assets | 1.5074% | 1,353 |
| Return on Equity (ROE) | 10.5122% | 1,761 |
| Retained earnings to average equity (ytd only) | 6.4765% | 1,565 |
| Net charge-offs to loans | 0.1949% | 5,126 |
| Credit loss provision to net charge-offs | 95.2381% | 4,879 |
| Earnings coverage of net charge-offs (x) | 12.8615% | 1,462 |
| Efficiency ratio | 61.1380% | 5,870 |
| Assets per employee ($millions) | 4.4951% | 2,881 |
| Cash dividends to net income (ytd only)* | 38.3902% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,226 |
| Loan loss allowance to noncurrent loans | 168.4322% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 5,878 |
| Noncurrent loans to loans | 0.7453% | 5,553 |
| Net loans and leases to total assets | 67.8591% | 3,015 |
| Net loans and leases to deposits | 81.7744% | 2,857 |
| Net loans and leases to core deposits | 93.0682% | 2,375 |
| Total domestic deposits to total assets | 82.9833% | 4,802 |
| Equity capital to assets | 10.7384% | 2,912 |
| Core capital (leverage) ratio | 10.6060% | 2,458 |
| Tier 1 risk-based capital ratio | 15.7891% | 2,848 |
| Total risk-based capital ratio | 17.0468% | 2,809 |
| Memoranda: | ||
| Average total assets | $179,385,200 | 3,389 |
| Average earning assets | $166,788,000 | 3,341 |
| Average equity | $19,501,200 | 3,215 |
| Average total loans | $118,521,000 | 3,343 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 2,008 |
| Cost of funding earning assets | 1.3793% | 3,711 |
| Net interest margin | 4.2367% | 2,082 |
| Noninterest income to average assets | 0.3300% | 5,518 |
| Noninterest expense to average assets | 2.5812% | 5,399 |
| Loan and lease loss provision to assets | 0.0786% | 6,260 |
| Net operating income to assets | 1.2313% | 1,513 |
| Return on assets (ROA) | 1.2012% | 1,671 |
| Pretax return on assets | 1.5754% | 1,407 |
| Return on Equity (ROE) | 11.0143% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.9860% | 1,856 |
| Net charge-offs to loans | 0.0526% | 5,995 |
| Credit loss provision to net charge-offs | 228.2609% | 1,504 |
| Earnings coverage of net charge-offs (x) | 49.1971% | 570 |
| Efficiency ratio | 60.3817% | 5,893 |
| Assets per employee ($millions) | 4.4254% | 3,034 |
| Cash dividends to net income (ytd only)* | 36.5733% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,469 |
| Loan loss allowance to noncurrent loans | 153.9889% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 5,736 |
| Noncurrent loans to loans | 0.9085% | 5,431 |
| Net loans and leases to total assets | 64.4847% | 4,021 |
| Net loans and leases to deposits | 76.1363% | 4,157 |
| Net loans and leases to core deposits | 87.2927% | 3,475 |
| Total domestic deposits to total assets | 84.6963% | 3,774 |
| Equity capital to assets | 11.1607% | 2,808 |
| Core capital (leverage) ratio | 10.7630% | 2,455 |
| Tier 1 risk-based capital ratio | 16.4713% | 2,570 |
| Total risk-based capital ratio | 17.7316% | 2,517 |
| Memoranda: | ||
| Average total assets | $178,156,250 | 3,448 |
| Average earning assets | $165,878,250 | 3,391 |
| Average equity | $19,428,750 | 3,263 |
| Average total loans | $116,487,500 | 3,437 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 1,999 |
| Cost of funding earning assets | 1.4752% | 3,400 |
| Net interest margin | 4.1606% | 2,289 |
| Noninterest income to average assets | 0.3264% | 5,540 |
| Noninterest expense to average assets | 2.6160% | 5,260 |
| Loan and lease loss provision to assets | 0.0678% | 6,274 |
| Net operating income to assets | 1.1352% | 1,738 |
| Return on assets (ROA) | 1.1352% | 1,806 |
| Pretax return on assets | 1.5260% | 1,487 |
| Return on Equity (ROE) | 10.4933% | 1,929 |
| Retained earnings to average equity (ytd only) | 6.4526% | 2,099 |
| Net charge-offs to loans | 0.0657% | 5,486 |
| Credit loss provision to net charge-offs | 157.8947% | 2,494 |
| Earnings coverage of net charge-offs (x) | 37.1316% | 778 |
| Efficiency ratio | 62.1411% | 5,665 |
| Assets per employee ($millions) | 4.5178% | 2,846 |
| Cash dividends to net income (ytd only)* | 38.5075% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 4,522 |
| Loan loss allowance to noncurrent loans | 180.5339% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 6,182 |
| Noncurrent loans to loans | 0.7648% | 5,743 |
| Net loans and leases to total assets | 65.7926% | 3,873 |
| Net loans and leases to deposits | 77.7925% | 4,017 |
| Net loans and leases to core deposits | 88.0186% | 3,546 |
| Total domestic deposits to total assets | 84.5746% | 3,834 |
| Equity capital to assets | 11.1660% | 2,714 |
| Core capital (leverage) ratio | 10.5181% | 2,620 |
| Tier 1 risk-based capital ratio | 16.1887% | 2,594 |
| Total risk-based capital ratio | 17.4485% | 2,546 |
| Memoranda: | ||
| Average total assets | $177,061,670 | 3,483 |
| Average earning assets | $165,265,330 | 3,424 |
| Average equity | $19,155,000 | 3,287 |
| Average total loans | $115,763,000 | 3,487 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5805% | 2,242 |
| Cost of funding earning assets | 1.4943% | 3,599 |
| Net interest margin | 4.0863% | 2,502 |
| Noninterest income to average assets | 0.3313% | 5,493 |
| Noninterest expense to average assets | 2.5871% | 5,400 |
| Loan and lease loss provision to assets | 0.0676% | 5,958 |
| Net operating income to assets | 1.1223% | 1,756 |
| Return on assets (ROA) | 1.1223% | 1,839 |
| Pretax return on assets | 1.4851% | 1,552 |
| Return on Equity (ROE) | 10.5422% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.4354% | 2,386 |
| Net charge-offs to loans | 0.0696% | 4,716 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 34.4500% | 790 |
| Efficiency ratio | 62.4932% | 5,734 |
| Assets per employee ($millions) | 4.4828% | 2,986 |
| Cash dividends to net income (ytd only)* | 38.9558% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4292% | 4,272 |
| Loan loss allowance to noncurrent loans | 143.9678% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 5,956 |
| Noncurrent loans to loans | 0.9927% | 5,337 |
| Net loans and leases to total assets | 61.9666% | 4,766 |
| Net loans and leases to deposits | 72.7360% | 4,955 |
| Net loans and leases to core deposits | 82.6316% | 4,399 |
| Total domestic deposits to total assets | 85.1939% | 3,565 |
| Equity capital to assets | 10.6391% | 3,109 |
| Core capital (leverage) ratio | 10.4971% | 2,624 |
| Tier 1 risk-based capital ratio | 16.1789% | 2,574 |
| Total risk-based capital ratio | 17.4392% | 2,528 |
| Memoranda: | ||
| Average total assets | $177,494,500 | 3,534 |
| Average earning assets | $165,432,500 | 3,472 |
| Average equity | $18,895,500 | 3,331 |
| Average total loans | $114,871,000 | 3,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 2,018 |
| Cost of funding earning assets | 1.9814% | 3,048 |
| Net interest margin | 3.9786% | 2,950 |
| Noninterest income to average assets | 0.3178% | 5,812 |
| Noninterest expense to average assets | 2.5698% | 5,895 |
| Loan and lease loss provision to assets | 0.0878% | 6,736 |
| Net operating income to assets | 1.0295% | 1,743 |
| Return on assets (ROA) | 1.0318% | 1,780 |
| Pretax return on assets | 1.3367% | 1,595 |
| Return on Equity (ROE) | 9.4564% | 1,871 |
| Retained earnings to average equity (ytd only) | 0.6973% | 4,519 |
| Net charge-offs to loans | -0.0186% | 7,785 |
| Credit loss provision to net charge-offs | -714.2857% | 7,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3842% | 5,698 |
| Assets per employee ($millions) | 4.3920% | 3,126 |
| Cash dividends to net income (ytd only)* | 92.6262% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 4,396 |
| Loan loss allowance to noncurrent loans | 220.5234% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 6,429 |
| Noncurrent loans to loans | 0.6204% | 6,002 |
| Net loans and leases to total assets | 65.6980% | 4,235 |
| Net loans and leases to deposits | 78.3987% | 4,300 |
| Net loans and leases to core deposits | 107.1136% | 3,205 |
| Total domestic deposits to total assets | 83.7999% | 4,126 |
| Equity capital to assets | 10.6524% | 3,019 |
| Core capital (leverage) ratio | 10.2331% | 2,845 |
| Tier 1 risk-based capital ratio | 15.4691% | 2,732 |
| Total risk-based capital ratio | 16.7281% | 2,679 |
| Memoranda: | ||
| Average total assets | $170,866,200 | 3,598 |
| Average earning assets | $157,771,000 | 3,560 |
| Average equity | $18,643,400 | 3,403 |
| Average total loans | $112,672,800 | 3,633 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0175% | 1,960 |
| Cost of funding earning assets | 2.0681% | 3,039 |
| Net interest margin | 3.9494% | 3,038 |
| Noninterest income to average assets | 0.3206% | 5,915 |
| Noninterest expense to average assets | 2.5595% | 5,858 |
| Loan and lease loss provision to assets | 0.1061% | 6,315 |
| Net operating income to assets | 0.9825% | 2,117 |
| Return on assets (ROA) | 0.9855% | 2,170 |
| Pretax return on assets | 1.2967% | 1,959 |
| Return on Equity (ROE) | 8.9766% | 2,268 |
| Retained earnings to average equity (ytd only) | -1.4173% | 5,589 |
| Net charge-offs to loans | 0.1553% | 5,157 |
| Credit loss provision to net charge-offs | 103.8462% | 4,900 |
| Earnings coverage of net charge-offs (x) | 13.6922% | 1,660 |
| Efficiency ratio | 64.6615% | 5,623 |
| Assets per employee ($millions) | 4.3604% | 3,104 |
| Cash dividends to net income (ytd only)* | 115.7893% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,858 |
| Loan loss allowance to noncurrent loans | 567.1937% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 7,180 |
| Noncurrent loans to loans | 0.2198% | 6,947 |
| Net loans and leases to total assets | 65.1653% | 4,610 |
| Net loans and leases to deposits | 77.5616% | 4,810 |
| Net loans and leases to core deposits | 105.7864% | 3,726 |
| Total domestic deposits to total assets | 84.0174% | 3,713 |
| Equity capital to assets | 10.7921% | 3,214 |
| Core capital (leverage) ratio | 10.2045% | 3,060 |
| Tier 1 risk-based capital ratio | 16.4940% | 2,433 |
| Total risk-based capital ratio | 17.7533% | 2,378 |
| Memoranda: | ||
| Average total assets | $169,663,250 | 3,632 |
| Average earning assets | $156,272,250 | 3,613 |
| Average equity | $18,625,750 | 3,430 |
| Average total loans | $111,586,500 | 3,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0159% | 2,124 |
| Cost of funding earning assets | 2.1416% | 3,081 |
| Net interest margin | 3.8743% | 3,229 |
| Noninterest income to average assets | 0.3189% | 5,953 |
| Noninterest expense to average assets | 2.4108% | 6,425 |
| Loan and lease loss provision to assets | 0.1071% | 6,085 |
| Net operating income to assets | 1.0138% | 2,057 |
| Return on assets (ROA) | 1.0138% | 2,149 |
| Pretax return on assets | 1.3636% | 1,821 |
| Return on Equity (ROE) | 9.1810% | 2,291 |
| Retained earnings to average equity (ytd only) | 5.2802% | 2,356 |
| Net charge-offs to loans | 0.2210% | 4,121 |
| Credit loss provision to net charge-offs | 73.7705% | 5,346 |
| Earnings coverage of net charge-offs (x) | 10.1311% | 2,030 |
| Efficiency ratio | 62.1091% | 6,234 |
| Assets per employee ($millions) | 4.3773% | 2,974 |
| Cash dividends to net income (ytd only)* | 42.4883% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,680 |
| Loan loss allowance to noncurrent loans | 375.8065% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 6,958 |
| Noncurrent loans to loans | 0.3296% | 6,688 |
| Net loans and leases to total assets | 65.3008% | 4,705 |
| Net loans and leases to deposits | 77.9969% | 4,873 |
| Net loans and leases to core deposits | 103.7401% | 4,091 |
| Total domestic deposits to total assets | 83.7224% | 3,908 |
| Equity capital to assets | 11.0255% | 2,899 |
| Core capital (leverage) ratio | 10.9254% | 2,462 |
| Tier 1 risk-based capital ratio | 16.1927% | 2,552 |
| Total risk-based capital ratio | 17.4085% | 2,514 |
| Memoranda: | ||
| Average total assets | $168,079,330 | 3,675 |
| Average earning assets | $154,558,330 | 3,655 |
| Average equity | $18,560,000 | 3,457 |
| Average total loans | $110,417,670 | 3,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1476% | 1,773 |
| Cost of funding earning assets | 2.1632% | 3,354 |
| Net interest margin | 3.9844% | 2,712 |
| Noninterest income to average assets | 0.3166% | 5,909 |
| Noninterest expense to average assets | 2.4346% | 6,077 |
| Loan and lease loss provision to assets | 0.1079% | 5,588 |
| Net operating income to assets | 1.0962% | 1,974 |
| Return on assets (ROA) | 1.0962% | 2,100 |
| Pretax return on assets | 1.4632% | 1,773 |
| Return on Equity (ROE) | 9.9191% | 2,351 |
| Retained earnings to average equity (ytd only) | 6.0123% | 2,621 |
| Net charge-offs to loans | 0.0110% | 5,471 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 218.3333% | 193 |
| Efficiency ratio | 60.7784% | 6,282 |
| Assets per employee ($millions) | 4.1078% | 3,443 |
| Cash dividends to net income (ytd only)* | 39.3873% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 3,614 |
| Loan loss allowance to noncurrent loans | 232.1767% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 6,375 |
| Noncurrent loans to loans | 0.5945% | 5,909 |
| Net loans and leases to total assets | 62.4516% | 5,246 |
| Net loans and leases to deposits | 74.6897% | 5,400 |
| Net loans and leases to core deposits | 95.9681% | 4,972 |
| Total domestic deposits to total assets | 83.6148% | 3,871 |
| Equity capital to assets | 11.0379% | 2,931 |
| Core capital (leverage) ratio | 11.0915% | 2,436 |
| Tier 1 risk-based capital ratio | 16.5904% | 2,480 |
| Total risk-based capital ratio | 17.8495% | 2,407 |
| Memoranda: | ||
| Average total assets | $166,762,500 | 3,713 |
| Average earning assets | $154,402,000 | 3,674 |
| Average equity | $18,429,000 | 3,494 |
| Average total loans | $109,189,000 | 3,807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3518% | 3,685 |
| Cost of funding earning assets | 2.7106% | 3,109 |
| Net interest margin | 3.6412% | 4,716 |
| Noninterest income to average assets | 0.3575% | 5,866 |
| Noninterest expense to average assets | 2.4470% | 6,223 |
| Loan and lease loss provision to assets | 0.1115% | 5,943 |
| Net operating income to assets | 0.9307% | 2,874 |
| Return on assets (ROA) | 0.9307% | 2,727 |
| Pretax return on assets | 1.1643% | 2,792 |
| Return on Equity (ROE) | 8.5478% | 2,818 |
| Retained earnings to average equity (ytd only) | 4.8601% | 2,104 |
| Net charge-offs to loans | 0.0037% | 6,950 |
| Credit loss provision to net charge-offs | 4,500.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 514.7500% | 107 |
| Efficiency ratio | 65.7290% | 5,185 |
| Assets per employee ($millions) | 4.0270% | 3,456 |
| Cash dividends to net income (ytd only)* | 43.1425% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 3,931 |
| Loan loss allowance to noncurrent loans | 440.0000% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 6,784 |
| Noncurrent loans to loans | 0.2909% | 6,504 |
| Net loans and leases to total assets | 66.8029% | 4,680 |
| Net loans and leases to deposits | 79.6158% | 5,115 |
| Net loans and leases to core deposits | 103.2222% | 4,478 |
| Total domestic deposits to total assets | 83.9066% | 3,367 |
| Equity capital to assets | 11.0645% | 2,984 |
| Core capital (leverage) ratio | 11.1177% | 2,497 |
| Tier 1 risk-based capital ratio | 15.6711% | 2,793 |
| Total risk-based capital ratio | 16.9073% | 2,722 |
| Memoranda: | ||
| Average total assets | $161,382,800 | 3,699 |
| Average earning assets | $149,154,000 | 3,673 |
| Average equity | $17,571,800 | 3,634 |
| Average total loans | $108,640,600 | 3,714 |