Home > Louisiana National Bank > Performance and Condition Ratios
Louisiana 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 | 6.8900% | 247 |
| Cost of funding earning assets | 2.0536% | 845 |
| Net interest margin | 4.8363% | 398 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.3628% | 691 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.4292% | 1,159 |
| Return on assets (ROA) | 1.4292% | 1,127 |
| Pretax return on assets | 1.4292% | 1,577 |
| Return on Equity (ROE) | 16.3800% | 1,044 |
| Retained earnings to average equity (ytd only) | 2.3453% | 3,494 |
| Net charge-offs to loans | 0.0898% | 976 |
| Credit loss provision to net charge-offs | 166.6667% | 1,370 |
| Earnings coverage of net charge-offs (x) | 20.0311% | 1,878 |
| Efficiency ratio | 68.3254% | 2,068 |
| Assets per employee ($millions) | 5.6799% | 3,093 |
| Cash dividends to net income (ytd only)* | 85.6791% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 2,954 |
| Loan loss allowance to noncurrent loans | 66.9590% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4646% | 262 |
| Noncurrent loans to loans | 1.6063% | 406 |
| Net loans and leases to total assets | 86.5500% | 137 |
| Net loans and leases to deposits | 98.7332% | 605 |
| Net loans and leases to core deposits | 105.0591% | 1,162 |
| Total domestic deposits to total assets | 87.6600% | 1,466 |
| Equity capital to assets | 9.0506% | 2,640 |
| Core capital (leverage) ratio | 9.2833% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $454,854,600 | 1,839 |
| Average earning assets | $415,066,400 | 1,856 |
| Average equity | $39,695,800 | 1,897 |
| Average total loans | $394,213,400 | 1,487 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7708% | 238 |
| Cost of funding earning assets | 1.8715% | 899 |
| Net interest margin | 4.8992% | 353 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 3.3077% | 715 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5763% | 971 |
| Return on assets (ROA) | 1.5763% | 963 |
| Pretax return on assets | 1.5763% | 1,407 |
| Return on Equity (ROE) | 18.2300% | 922 |
| Retained earnings to average equity (ytd only) | 1.5252% | 3,837 |
| Net charge-offs to loans | 0.0383% | 1,341 |
| Credit loss provision to net charge-offs | 318.5841% | 849 |
| Earnings coverage of net charge-offs (x) | 50.7876% | 1,305 |
| Efficiency ratio | 66.2927% | 2,239 |
| Assets per employee ($millions) | 5.4790% | 3,196 |
| Cash dividends to net income (ytd only)* | 91.6341% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 2,873 |
| Loan loss allowance to noncurrent loans | 67.7037% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 249 |
| Noncurrent loans to loans | 1.6226% | 426 |
| Net loans and leases to total assets | 85.9100% | 159 |
| Net loans and leases to deposits | 97.8540% | 625 |
| Net loans and leases to core deposits | 101.8327% | 1,223 |
| Total domestic deposits to total assets | 87.7900% | 1,647 |
| Equity capital to assets | 8.9881% | 2,426 |
| Core capital (leverage) ratio | 9.0380% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $454,970,250 | 1,837 |
| Average earning assets | $414,695,000 | 1,854 |
| Average equity | $39,338,500 | 1,895 |
| Average total loans | $393,379,000 | 1,481 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5608% | 244 |
| Cost of funding earning assets | 1.5843% | 1,099 |
| Net interest margin | 4.9765% | 319 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 3.2898% | 699 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6622% | 848 |
| Return on assets (ROA) | 1.6622% | 850 |
| Pretax return on assets | 1.6622% | 1,291 |
| Return on Equity (ROE) | 19.4800% | 769 |
| Retained earnings to average equity (ytd only) | 5.3448% | 2,844 |
| Net charge-offs to loans | 0.0218% | 1,449 |
| Credit loss provision to net charge-offs | 558.1395% | 603 |
| Earnings coverage of net charge-offs (x) | 93.8837% | 974 |
| Efficiency ratio | 65.0537% | 2,368 |
| Assets per employee ($millions) | 5.3611% | 3,266 |
| Cash dividends to net income (ytd only)* | 72.5573% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,158 |
| Loan loss allowance to noncurrent loans | 98.4891% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 456 |
| Noncurrent loans to loans | 1.0718% | 683 |
| Net loans and leases to total assets | 87.1500% | 111 |
| Net loans and leases to deposits | 101.5945% | 448 |
| Net loans and leases to core deposits | 108.4208% | 890 |
| Total domestic deposits to total assets | 85.7800% | 2,306 |
| Equity capital to assets | 8.8999% | 2,589 |
| Core capital (leverage) ratio | 9.0840% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $456,869,000 | 1,838 |
| Average earning assets | $415,835,667 | 1,854 |
| Average equity | $38,991,000 | 1,911 |
| Average total loans | $394,426,667 | 1,468 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2647% | 232 |
| Cost of funding earning assets | 1.3711% | 1,092 |
| Net interest margin | 4.8936% | 332 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 3.2501% | 745 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.5958% | 986 |
| Return on assets (ROA) | 1.5958% | 985 |
| Pretax return on assets | 1.5958% | 1,471 |
| Return on Equity (ROE) | 19.1100% | 870 |
| Retained earnings to average equity (ytd only) | 0.6491% | 3,918 |
| Net charge-offs to loans | 0.0297% | 1,112 |
| Credit loss provision to net charge-offs | 413.7931% | 602 |
| Earnings coverage of net charge-offs (x) | 67.0690% | 963 |
| Efficiency ratio | 65.6482% | 2,250 |
| Assets per employee ($millions) | 5.4999% | 3,223 |
| Cash dividends to net income (ytd only)* | 96.6027% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,313 |
| Loan loss allowance to noncurrent loans | 95.0748% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 392 |
| Noncurrent loans to loans | 1.0999% | 647 |
| Net loans and leases to total assets | 83.6200% | 263 |
| Net loans and leases to deposits | 96.4380% | 627 |
| Net loans and leases to core deposits | 102.3561% | 989 |
| Total domestic deposits to total assets | 86.7000% | 2,370 |
| Equity capital to assets | 8.2718% | 3,062 |
| Core capital (leverage) ratio | 8.7677% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $457,458,000 | 1,859 |
| Average earning assets | $415,153,500 | 1,884 |
| Average equity | $38,208,500 | 1,955 |
| Average total loans | $390,958,000 | 1,495 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8197% | 105 |
| Cost of funding earning assets | 0.4255% | 1,899 |
| Net interest margin | 5.3942% | 94 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 3.7360% | 408 |
| Loan and lease loss provision to assets | 0.2400% | 394 |
| Net operating income to assets | 1.6574% | 598 |
| Return on assets (ROA) | 1.6574% | 568 |
| Pretax return on assets | 1.6574% | 1,021 |
| Return on Equity (ROE) | 17.9700% | 709 |
| Retained earnings to average equity (ytd only) | 7.8509% | 1,899 |
| Net charge-offs to loans | 0.0256% | 1,546 |
| Credit loss provision to net charge-offs | 1,120.9877% | 399 |
| Earnings coverage of net charge-offs (x) | 88.0741% | 1,032 |
| Efficiency ratio | 66.2982% | 2,192 |
| Assets per employee ($millions) | 5.5238% | 3,190 |
| Cash dividends to net income (ytd only)* | 56.3122% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,343 |
| Loan loss allowance to noncurrent loans | 1,549.8008% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 2,352 |
| Noncurrent loans to loans | 0.0649% | 3,276 |
| Net loans and leases to total assets | 85.6000% | 178 |
| Net loans and leases to deposits | 97.0682% | 583 |
| Net loans and leases to core deposits | 102.9230% | 854 |
| Total domestic deposits to total assets | 88.1900% | 2,013 |
| Equity capital to assets | 8.4365% | 2,752 |
| Core capital (leverage) ratio | 9.0673% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $375,646,400 | 2,120 |
| Average earning assets | $338,679,000 | 2,161 |
| Average equity | $34,645,600 | 2,127 |
| Average total loans | $316,205,000 | 1,655 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 101 |
| Cost of funding earning assets | 0.2339% | 2,882 |
| Net interest margin | 5.4106% | 83 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.8903% | 351 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.6889% | 544 |
| Return on assets (ROA) | 1.6889% | 529 |
| Pretax return on assets | 1.6889% | 921 |
| Return on Equity (ROE) | 17.8400% | 664 |
| Retained earnings to average equity (ytd only) | 4.5900% | 3,246 |
| Net charge-offs to loans | 0.0317% | 1,208 |
| Credit loss provision to net charge-offs | 697.1831% | 516 |
| Earnings coverage of net charge-offs (x) | 70.7887% | 1,104 |
| Efficiency ratio | 67.4966% | 2,086 |
| Assets per employee ($millions) | 4.7810% | 3,854 |
| Cash dividends to net income (ytd only)* | 74.2662% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,478 |
| Loan loss allowance to noncurrent loans | 1,100.3155% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,228 |
| Noncurrent loans to loans | 0.0910% | 3,230 |
| Net loans and leases to total assets | 85.9100% | 128 |
| Net loans and leases to deposits | 98.2824% | 442 |
| Net loans and leases to core deposits | 103.7737% | 659 |
| Total domestic deposits to total assets | 87.4200% | 2,620 |
| Equity capital to assets | 8.5194% | 2,532 |
| Core capital (leverage) ratio | 9.0165% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $357,702,000 | 2,205 |
| Average earning assets | $322,667,500 | 2,242 |
| Average equity | $33,870,250 | 2,194 |
| Average total loans | $298,534,000 | 1,716 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4340% | 107 |
| Cost of funding earning assets | 0.1555% | 3,508 |
| Net interest margin | 5.2786% | 87 |
| Noninterest income to average assets | 1.0569% | 595 |
| Noninterest expense to average assets | 4.0056% | 280 |
| Loan and lease loss provision to assets | 0.1749% | 505 |
| Net operating income to assets | 1.6265% | 515 |
| Return on assets (ROA) | 1.6265% | 503 |
| Pretax return on assets | 1.6265% | 890 |
| Return on Equity (ROE) | 16.5306% | 633 |
| Retained earnings to average equity (ytd only) | 6.5767% | 2,149 |
| Net charge-offs to loans | 0.0447% | 940 |
| Credit loss provision to net charge-offs | 476.1905% | 645 |
| Earnings coverage of net charge-offs (x) | 49.0476% | 1,166 |
| Efficiency ratio | 68.9790% | 2,106 |
| Assets per employee ($millions) | 4.4534% | 4,110 |
| Cash dividends to net income (ytd only)* | 60.2151% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,204.3796% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,251 |
| Noncurrent loans to loans | 0.0853% | 3,353 |
| Net loans and leases to total assets | 85.9831% | 90 |
| Net loans and leases to deposits | 96.0652% | 431 |
| Net loans and leases to core deposits | 98.8308% | 726 |
| Total domestic deposits to total assets | 89.5050% | 1,944 |
| Equity capital to assets | 9.2968% | 2,160 |
| Core capital (leverage) ratio | 9.9395% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,068,667 | 2,278 |
| Average earning assets | $308,721,000 | 2,332 |
| Average equity | $33,755,667 | 2,241 |
| Average total loans | $281,870,667 | 1,796 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 111 |
| Cost of funding earning assets | 0.1586% | 3,395 |
| Net interest margin | 5.1571% | 88 |
| Noninterest income to average assets | 0.5228% | 2,025 |
| Noninterest expense to average assets | 4.1469% | 252 |
| Loan and lease loss provision to assets | 0.1092% | 763 |
| Net operating income to assets | 0.8818% | 2,352 |
| Return on assets (ROA) | 0.8818% | 2,352 |
| Pretax return on assets | 0.8818% | 2,848 |
| Return on Equity (ROE) | 8.6932% | 2,442 |
| Retained earnings to average equity (ytd only) | -2.4274% | 4,280 |
| Net charge-offs to loans | 0.0869% | 571 |
| Credit loss provision to net charge-offs | 157.8947% | 842 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,373 |
| Efficiency ratio | 80.7129% | 1,094 |
| Assets per employee ($millions) | 4.1612% | 4,322 |
| Cash dividends to net income (ytd only)* | 127.9230% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,102 |
| Loan loss allowance to noncurrent loans | 403.6506% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 712 |
| Noncurrent loans to loans | 0.2848% | 2,451 |
| Net loans and leases to total assets | 78.9812% | 295 |
| Net loans and leases to deposits | 88.6401% | 584 |
| Net loans and leases to core deposits | 91.4660% | 841 |
| Total domestic deposits to total assets | 89.1033% | 2,030 |
| Equity capital to assets | 9.8814% | 1,985 |
| Core capital (leverage) ratio | 9.9498% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,787,000 | 2,341 |
| Average earning assets | $295,129,500 | 2,420 |
| Average equity | $33,451,500 | 2,310 |
| Average total loans | $262,245,500 | 1,872 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 132 |
| Cost of funding earning assets | 0.1684% | 3,788 |
| Net interest margin | 5.3181% | 99 |
| Noninterest income to average assets | 0.5999% | 2,156 |
| Noninterest expense to average assets | 4.0067% | 285 |
| Loan and lease loss provision to assets | 0.1083% | 1,168 |
| Net operating income to assets | 1.2198% | 1,858 |
| Return on assets (ROA) | 1.2198% | 1,904 |
| Pretax return on assets | 1.2198% | 2,599 |
| Return on Equity (ROE) | 12.7490% | 1,548 |
| Retained earnings to average equity (ytd only) | 2.9662% | 3,643 |
| Net charge-offs to loans | 0.0097% | 2,201 |
| Credit loss provision to net charge-offs | 1,413.0435% | 411 |
| Earnings coverage of net charge-offs (x) | 173.3478% | 597 |
| Efficiency ratio | 75.1061% | 1,199 |
| Assets per employee ($millions) | 4.0825% | 4,392 |
| Cash dividends to net income (ytd only)* | 76.7340% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,884 |
| Loan loss allowance to noncurrent loans | 732.7751% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 942 |
| Noncurrent loans to loans | 0.1638% | 3,121 |
| Net loans and leases to total assets | 78.1727% | 371 |
| Net loans and leases to deposits | 88.8372% | 615 |
| Net loans and leases to core deposits | 92.1788% | 868 |
| Total domestic deposits to total assets | 87.9954% | 2,052 |
| Equity capital to assets | 10.4171% | 2,250 |
| Core capital (leverage) ratio | 10.3199% | 2,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,223,800 | 2,433 |
| Average earning assets | $267,294,400 | 2,508 |
| Average equity | $28,723,800 | 2,610 |
| Average total loans | $237,798,000 | 2,000 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 152 |
| Cost of funding earning assets | 0.1742% | 3,881 |
| Net interest margin | 5.2774% | 109 |
| Noninterest income to average assets | 0.5941% | 2,238 |
| Noninterest expense to average assets | 4.0445% | 275 |
| Loan and lease loss provision to assets | 0.1130% | 1,066 |
| Net operating income to assets | 1.1249% | 2,461 |
| Return on assets (ROA) | 1.1249% | 2,527 |
| Pretax return on assets | 1.1249% | 3,144 |
| Return on Equity (ROE) | 12.0506% | 2,028 |
| Retained earnings to average equity (ytd only) | -0.8919% | 4,653 |
| Net charge-offs to loans | 0.0097% | 1,957 |
| Credit loss provision to net charge-offs | 1,470.5882% | 408 |
| Earnings coverage of net charge-offs (x) | 160.9412% | 644 |
| Efficiency ratio | 76.5633% | 995 |
| Assets per employee ($millions) | 4.0261% | 4,437 |
| Cash dividends to net income (ytd only)* | 107.4014% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,778 |
| Loan loss allowance to noncurrent loans | 369.6296% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 1,939 |
| Noncurrent loans to loans | 0.3364% | 2,577 |
| Net loans and leases to total assets | 73.8291% | 707 |
| Net loans and leases to deposits | 83.6693% | 985 |
| Net loans and leases to core deposits | 86.9136% | 1,224 |
| Total domestic deposits to total assets | 88.2392% | 1,698 |
| Equity capital to assets | 10.1196% | 2,789 |
| Core capital (leverage) ratio | 11.1925% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,650,250 | 2,478 |
| Average earning assets | $261,764,000 | 2,561 |
| Average equity | $27,505,500 | 2,708 |
| Average total loans | $233,451,500 | 2,067 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5022% | 172 |
| Cost of funding earning assets | 0.1871% | 3,879 |
| Net interest margin | 5.3150% | 120 |
| Noninterest income to average assets | 0.5912% | 2,260 |
| Noninterest expense to average assets | 4.0980% | 267 |
| Loan and lease loss provision to assets | 0.1226% | 1,025 |
| Net operating income to assets | 1.0858% | 2,591 |
| Return on assets (ROA) | 1.0858% | 2,663 |
| Pretax return on assets | 1.0858% | 3,262 |
| Return on Equity (ROE) | 12.0112% | 2,064 |
| Retained earnings to average equity (ytd only) | 1.6738% | 4,197 |
| Net charge-offs to loans | 0.0069% | 1,884 |
| Credit loss provision to net charge-offs | 2,187.5000% | 272 |
| Earnings coverage of net charge-offs (x) | 215.6250% | 477 |
| Efficiency ratio | 77.2277% | 971 |
| Assets per employee ($millions) | 3.7799% | 4,562 |
| Cash dividends to net income (ytd only)* | 86.0645% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,529 |
| Loan loss allowance to noncurrent loans | 195.3302% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 1,551 |
| Noncurrent loans to loans | 0.6563% | 1,778 |
| Net loans and leases to total assets | 76.4730% | 549 |
| Net loans and leases to deposits | 85.8971% | 917 |
| Net loans and leases to core deposits | 91.4199% | 1,044 |
| Total domestic deposits to total assets | 89.0287% | 1,273 |
| Equity capital to assets | 8.8182% | 3,957 |
| Core capital (leverage) ratio | 8.7217% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,504,667 | 2,518 |
| Average earning assets | $253,282,333 | 2,608 |
| Average equity | $25,809,333 | 2,823 |
| Average total loans | $231,006,000 | 2,093 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4159% | 210 |
| Cost of funding earning assets | 0.2004% | 3,911 |
| Net interest margin | 5.2155% | 146 |
| Noninterest income to average assets | 0.5412% | 2,433 |
| Noninterest expense to average assets | 4.0137% | 281 |
| Loan and lease loss provision to assets | 0.1424% | 934 |
| Net operating income to assets | 1.0198% | 2,751 |
| Return on assets (ROA) | 1.0198% | 2,833 |
| Pretax return on assets | 1.0198% | 3,314 |
| Return on Equity (ROE) | 11.1377% | 2,320 |
| Retained earnings to average equity (ytd only) | -2.5666% | 4,575 |
| Net charge-offs to loans | 0.0103% | 1,556 |
| Credit loss provision to net charge-offs | 1,666.6667% | 279 |
| Earnings coverage of net charge-offs (x) | 136.0000% | 519 |
| Efficiency ratio | 77.5454% | 995 |
| Assets per employee ($millions) | 3.7869% | 4,589 |
| Cash dividends to net income (ytd only)* | 123.0447% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,820 |
| Loan loss allowance to noncurrent loans | 364.6232% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 2,635 |
| Noncurrent loans to loans | 0.3344% | 2,895 |
| Net loans and leases to total assets | 79.3153% | 378 |
| Net loans and leases to deposits | 89.0976% | 756 |
| Net loans and leases to core deposits | 94.7942% | 935 |
| Total domestic deposits to total assets | 89.0206% | 1,332 |
| Equity capital to assets | 8.7873% | 3,885 |
| Core capital (leverage) ratio | 9.0150% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,841,000 | 2,537 |
| Average earning assets | $249,562,500 | 2,618 |
| Average equity | $25,714,500 | 2,822 |
| Average total loans | $232,311,500 | 2,084 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9851% | 95 |
| Cost of funding earning assets | 0.2932% | 4,186 |
| Net interest margin | 5.6920% | 57 |
| Noninterest income to average assets | 0.8819% | 1,311 |
| Noninterest expense to average assets | 3.9884% | 385 |
| Loan and lease loss provision to assets | 0.4322% | 665 |
| Net operating income to assets | 1.5305% | 745 |
| Return on assets (ROA) | 1.5305% | 808 |
| Pretax return on assets | 1.5305% | 1,244 |
| Return on Equity (ROE) | 15.9734% | 506 |
| Retained earnings to average equity (ytd only) | 3.1527% | 3,259 |
| Net charge-offs to loans | 0.3939% | 439 |
| Credit loss provision to net charge-offs | 127.2626% | 2,574 |
| Earnings coverage of net charge-offs (x) | 5.7788% | 2,838 |
| Efficiency ratio | 67.0195% | 2,364 |
| Assets per employee ($millions) | 3.7513% | 4,535 |
| Cash dividends to net income (ytd only)* | 80.2628% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,962 |
| Loan loss allowance to noncurrent loans | 257.3159% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 1,613 |
| Noncurrent loans to loans | 0.4655% | 2,571 |
| Net loans and leases to total assets | 84.3163% | 159 |
| Net loans and leases to deposits | 95.5159% | 576 |
| Net loans and leases to core deposits | 101.9127% | 819 |
| Total domestic deposits to total assets | 88.2746% | 1,339 |
| Equity capital to assets | 9.5546% | 3,557 |
| Core capital (leverage) ratio | 9.4348% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,511,200 | 2,496 |
| Average earning assets | $234,681,400 | 2,564 |
| Average equity | $25,248,200 | 2,780 |
| Average total loans | $227,201,200 | 2,053 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0435% | 103 |
| Cost of funding earning assets | 0.3218% | 4,208 |
| Net interest margin | 5.7218% | 58 |
| Noninterest income to average assets | 0.7653% | 1,608 |
| Noninterest expense to average assets | 4.1236% | 338 |
| Loan and lease loss provision to assets | 0.1375% | 2,639 |
| Net operating income to assets | 1.6018% | 722 |
| Return on assets (ROA) | 1.6018% | 791 |
| Pretax return on assets | 1.6018% | 1,180 |
| Return on Equity (ROE) | 16.7056% | 472 |
| Retained earnings to average equity (ytd only) | 0.2655% | 4,432 |
| Net charge-offs to loans | -0.0194% | 4,412 |
| Credit loss provision to net charge-offs | -818.1818% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3343% | 1,837 |
| Assets per employee ($millions) | 3.8408% | 4,444 |
| Cash dividends to net income (ytd only)* | 98.4107% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,649 |
| Loan loss allowance to noncurrent loans | 151.6945% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 1,606 |
| Noncurrent loans to loans | 0.7926% | 1,838 |
| Net loans and leases to total assets | 86.1929% | 143 |
| Net loans and leases to deposits | 97.8069% | 635 |
| Net loans and leases to core deposits | 104.2096% | 913 |
| Total domestic deposits to total assets | 88.1255% | 1,161 |
| Equity capital to assets | 9.3259% | 3,839 |
| Core capital (leverage) ratio | 9.1493% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,866,500 | 2,496 |
| Average earning assets | $233,301,000 | 2,554 |
| Average equity | $25,108,750 | 2,784 |
| Average total loans | $226,378,750 | 2,053 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0904% | 135 |
| Cost of funding earning assets | 0.3651% | 4,198 |
| Net interest margin | 5.7253% | 76 |
| Noninterest income to average assets | 0.7352% | 1,620 |
| Noninterest expense to average assets | 4.1697% | 339 |
| Loan and lease loss provision to assets | 0.0694% | 3,423 |
| Net operating income to assets | 1.5951% | 771 |
| Return on assets (ROA) | 1.5951% | 840 |
| Pretax return on assets | 1.5951% | 1,234 |
| Return on Equity (ROE) | 16.4805% | 490 |
| Retained earnings to average equity (ytd only) | 3.9489% | 2,938 |
| Net charge-offs to loans | -0.0054% | 4,032 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4701% | 1,766 |
| Assets per employee ($millions) | 3.8097% | 4,456 |
| Cash dividends to net income (ytd only)* | 76.0386% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 3,013 |
| Loan loss allowance to noncurrent loans | 147.5438% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6921% | 1,773 |
| Noncurrent loans to loans | 0.7505% | 2,005 |
| Net loans and leases to total assets | 86.2790% | 125 |
| Net loans and leases to deposits | 97.9386% | 659 |
| Net loans and leases to core deposits | 101.7115% | 1,133 |
| Total domestic deposits to total assets | 88.0950% | 1,126 |
| Equity capital to assets | 9.4332% | 3,720 |
| Core capital (leverage) ratio | 9.4420% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,537,333 | 2,480 |
| Average earning assets | $231,151,000 | 2,544 |
| Average equity | $25,120,667 | 2,770 |
| Average total loans | $223,654,000 | 2,056 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2947% | 105 |
| Cost of funding earning assets | 0.4819% | 4,024 |
| Net interest margin | 5.8128% | 62 |
| Noninterest income to average assets | 0.6424% | 1,854 |
| Noninterest expense to average assets | 4.3643% | 347 |
| Loan and lease loss provision to assets | 0.0708% | 2,854 |
| Net operating income to assets | 1.3729% | 1,051 |
| Return on assets (ROA) | 1.3729% | 1,129 |
| Pretax return on assets | 1.3729% | 1,644 |
| Return on Equity (ROE) | 13.9951% | 697 |
| Retained earnings to average equity (ytd only) | -1.1556% | 4,163 |
| Net charge-offs to loans | 0.0055% | 2,373 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 305.6667% | 230 |
| Efficiency ratio | 75.1423% | 1,670 |
| Assets per employee ($millions) | 3.3657% | 4,587 |
| Cash dividends to net income (ytd only)* | 108.2569% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,846 |
| Loan loss allowance to noncurrent loans | 145.3977% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7181% | 1,867 |
| Noncurrent loans to loans | 0.8020% | 2,006 |
| Net loans and leases to total assets | 83.6891% | 288 |
| Net loans and leases to deposits | 94.2090% | 1,061 |
| Net loans and leases to core deposits | 126.2042% | 329 |
| Total domestic deposits to total assets | 88.8335% | 738 |
| Equity capital to assets | 9.6015% | 4,132 |
| Core capital (leverage) ratio | 9.6302% | 3,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,060,500 | 2,473 |
| Average earning assets | $225,777,500 | 2,528 |
| Average equity | $24,923,000 | 2,780 |
| Average total loans | $217,486,000 | 2,062 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5276% | 108 |
| Cost of funding earning assets | 0.6034% | 3,622 |
| Net interest margin | 5.9242% | 68 |
| Noninterest income to average assets | 0.8004% | 1,453 |
| Noninterest expense to average assets | 4.2649% | 391 |
| Loan and lease loss provision to assets | 0.0416% | 3,182 |
| Net operating income to assets | 1.7507% | 593 |
| Return on assets (ROA) | 1.7507% | 628 |
| Pretax return on assets | 1.7507% | 1,069 |
| Return on Equity (ROE) | 18.3605% | 313 |
| Retained earnings to average equity (ytd only) | 5.6363% | 2,075 |
| Net charge-offs to loans | 0.0698% | 2,096 |
| Credit loss provision to net charge-offs | 70.0000% | 2,912 |
| Earnings coverage of net charge-offs (x) | 30.1267% | 1,581 |
| Efficiency ratio | 70.4099% | 2,111 |
| Assets per employee ($millions) | 3.1918% | 4,707 |
| Cash dividends to net income (ytd only)* | 69.3022% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 2,603 |
| Loan loss allowance to noncurrent loans | 150.3885% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 1,615 |
| Noncurrent loans to loans | 0.7762% | 1,960 |
| Net loans and leases to total assets | 85.5589% | 197 |
| Net loans and leases to deposits | 96.8196% | 857 |
| Net loans and leases to core deposits | 100.3089% | 1,537 |
| Total domestic deposits to total assets | 88.3694% | 954 |
| Equity capital to assets | 10.0268% | 3,893 |
| Core capital (leverage) ratio | 9.9630% | 3,560 |
| Tier 1 risk-based capital ratio | 10.9170% | 4,882 |
| Total risk-based capital ratio | 12.0257% | 4,844 |
| Memoranda: | ||
| Average total assets | $252,127,000 | 2,448 |
| Average earning assets | $223,726,600 | 2,505 |
| Average equity | $24,040,800 | 2,793 |
| Average total loans | $214,938,400 | 2,058 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4352% | 120 |
| Cost of funding earning assets | 0.6224% | 3,571 |
| Net interest margin | 5.8127% | 76 |
| Noninterest income to average assets | 0.8176% | 1,368 |
| Noninterest expense to average assets | 4.2089% | 407 |
| Loan and lease loss provision to assets | 0.0316% | 3,274 |
| Net operating income to assets | 1.7365% | 695 |
| Return on assets (ROA) | 1.7365% | 732 |
| Pretax return on assets | 1.7365% | 1,232 |
| Return on Equity (ROE) | 18.4454% | 358 |
| Retained earnings to average equity (ytd only) | 2.1055% | 4,234 |
| Net charge-offs to loans | 0.0857% | 1,623 |
| Credit loss provision to net charge-offs | 43.4783% | 2,833 |
| Earnings coverage of net charge-offs (x) | 24.3038% | 1,800 |
| Efficiency ratio | 70.4181% | 2,060 |
| Assets per employee ($millions) | 3.3654% | 4,616 |
| Cash dividends to net income (ytd only)* | 88.5853% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 2,838 |
| Loan loss allowance to noncurrent loans | 217.9982% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 2,293 |
| Noncurrent loans to loans | 0.5218% | 2,728 |
| Net loans and leases to total assets | 84.3797% | 311 |
| Net loans and leases to deposits | 94.9586% | 1,129 |
| Net loans and leases to core deposits | 98.2639% | 1,807 |
| Total domestic deposits to total assets | 88.8595% | 669 |
| Equity capital to assets | 9.3764% | 4,546 |
| Core capital (leverage) ratio | 9.4321% | 4,245 |
| Tier 1 risk-based capital ratio | 10.3500% | 5,125 |
| Total risk-based capital ratio | 11.4301% | 5,085 |
| Memoranda: | ||
| Average total assets | $252,918,000 | 2,462 |
| Average earning assets | $224,489,500 | 2,525 |
| Average equity | $23,810,250 | 2,824 |
| Average total loans | $214,791,500 | 2,076 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4165% | 129 |
| Cost of funding earning assets | 0.6500% | 3,411 |
| Net interest margin | 5.7665% | 82 |
| Noninterest income to average assets | 0.8358% | 1,231 |
| Noninterest expense to average assets | 4.1990% | 415 |
| Loan and lease loss provision to assets | 0.0238% | 3,331 |
| Net operating income to assets | 1.7256% | 689 |
| Return on assets (ROA) | 1.7256% | 720 |
| Pretax return on assets | 1.7256% | 1,226 |
| Return on Equity (ROE) | 18.3051% | 366 |
| Retained earnings to average equity (ytd only) | 4.1932% | 3,153 |
| Net charge-offs to loans | 0.0749% | 1,618 |
| Credit loss provision to net charge-offs | 37.5000% | 2,557 |
| Earnings coverage of net charge-offs (x) | 27.5500% | 1,536 |
| Efficiency ratio | 70.5898% | 2,136 |
| Assets per employee ($millions) | 3.4029% | 4,599 |
| Cash dividends to net income (ytd only)* | 77.0929% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 2,723 |
| Loan loss allowance to noncurrent loans | 1,141.3636% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,717 |
| Noncurrent loans to loans | 0.1018% | 4,215 |
| Net loans and leases to total assets | 83.6809% | 388 |
| Net loans and leases to deposits | 94.0033% | 1,261 |
| Net loans and leases to core deposits | 97.5455% | 1,922 |
| Total domestic deposits to total assets | 89.0191% | 652 |
| Equity capital to assets | 9.4394% | 4,461 |
| Core capital (leverage) ratio | 9.4269% | 4,223 |
| Tier 1 risk-based capital ratio | 10.4642% | 5,116 |
| Total risk-based capital ratio | 11.5629% | 5,087 |
| Memoranda: | ||
| Average total assets | $251,967,330 | 2,479 |
| Average earning assets | $223,393,670 | 2,544 |
| Average equity | $23,753,000 | 2,822 |
| Average total loans | $213,621,670 | 2,088 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3178% | 137 |
| Cost of funding earning assets | 0.6641% | 3,239 |
| Net interest margin | 5.6537% | 94 |
| Noninterest income to average assets | 0.8117% | 1,266 |
| Noninterest expense to average assets | 4.1671% | 425 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6505% | 810 |
| Return on assets (ROA) | 1.6505% | 838 |
| Pretax return on assets | 1.6505% | 1,342 |
| Return on Equity (ROE) | 17.5204% | 442 |
| Retained earnings to average equity (ytd only) | 0.6954% | 4,386 |
| Net charge-offs to loans | 0.0866% | 1,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.4565% | 1,499 |
| Efficiency ratio | 71.6287% | 2,092 |
| Assets per employee ($millions) | 3.3333% | 4,712 |
| Cash dividends to net income (ytd only)* | 96.0310% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,671 |
| Loan loss allowance to noncurrent loans | 543.1965% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 3,297 |
| Noncurrent loans to loans | 0.2180% | 3,810 |
| Net loans and leases to total assets | 82.8446% | 489 |
| Net loans and leases to deposits | 92.9620% | 1,287 |
| Net loans and leases to core deposits | 96.9305% | 1,860 |
| Total domestic deposits to total assets | 89.1167% | 807 |
| Equity capital to assets | 9.3222% | 4,409 |
| Core capital (leverage) ratio | 9.4345% | 4,221 |
| Tier 1 risk-based capital ratio | 10.4903% | 5,178 |
| Total risk-based capital ratio | 11.6150% | 5,129 |
| Memoranda: | ||
| Average total assets | $250,342,500 | 2,510 |
| Average earning assets | $221,658,500 | 2,579 |
| Average equity | $23,584,000 | 2,837 |
| Average total loans | $212,393,000 | 2,118 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1854% | 127 |
| Cost of funding earning assets | 0.4954% | 3,388 |
| Net interest margin | 5.6901% | 91 |
| Noninterest income to average assets | 0.9668% | 1,018 |
| Noninterest expense to average assets | 4.0729% | 485 |
| Loan and lease loss provision to assets | 0.0784% | 2,561 |
| Net operating income to assets | 1.8842% | 467 |
| Return on assets (ROA) | 1.8842% | 463 |
| Pretax return on assets | 1.8842% | 749 |
| Return on Equity (ROE) | 21.5110% | 176 |
| Retained earnings to average equity (ytd only) | 10.0128% | 614 |
| Net charge-offs to loans | 0.0453% | 2,528 |
| Credit loss provision to net charge-offs | 202.0202% | 1,424 |
| Earnings coverage of net charge-offs (x) | 50.5859% | 1,130 |
| Efficiency ratio | 67.4826% | 2,628 |
| Assets per employee ($millions) | 3.2546% | 4,780 |
| Cash dividends to net income (ytd only)* | 53.4526% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,538 |
| Loan loss allowance to noncurrent loans | 356.6852% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,826 |
| Noncurrent loans to loans | 0.3380% | 3,337 |
| Net loans and leases to total assets | 84.8334% | 331 |
| Net loans and leases to deposits | 95.4938% | 1,121 |
| Net loans and leases to core deposits | 100.6973% | 1,668 |
| Total domestic deposits to total assets | 88.8366% | 931 |
| Equity capital to assets | 9.5216% | 4,111 |
| Core capital (leverage) ratio | 9.2796% | 4,373 |
| Tier 1 risk-based capital ratio | 10.4099% | 5,215 |
| Total risk-based capital ratio | 11.5485% | 5,161 |
| Memoranda: | ||
| Average total assets | $255,176,800 | 2,437 |
| Average earning assets | $227,308,000 | 2,502 |
| Average equity | $22,351,400 | 2,876 |
| Average total loans | $218,761,000 | 2,035 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0194% | 149 |
| Cost of funding earning assets | 0.4446% | 3,565 |
| Net interest margin | 5.5748% | 100 |
| Noninterest income to average assets | 0.9302% | 1,110 |
| Noninterest expense to average assets | 4.0414% | 503 |
| Loan and lease loss provision to assets | 0.0933% | 2,113 |
| Net operating income to assets | 1.7697% | 638 |
| Return on assets (ROA) | 1.7697% | 641 |
| Pretax return on assets | 1.7697% | 1,088 |
| Return on Equity (ROE) | 20.6362% | 236 |
| Retained earnings to average equity (ytd only) | 5.9617% | 2,674 |
| Net charge-offs to loans | 0.0454% | 2,190 |
| Credit loss provision to net charge-offs | 240.0000% | 1,212 |
| Earnings coverage of net charge-offs (x) | 47.9055% | 1,201 |
| Efficiency ratio | 68.4465% | 2,452 |
| Assets per employee ($millions) | 3.4367% | 4,640 |
| Cash dividends to net income (ytd only)* | 71.1105% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,778 |
| Loan loss allowance to noncurrent loans | 131.4710% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 1,635 |
| Noncurrent loans to loans | 0.8916% | 1,913 |
| Net loans and leases to total assets | 85.0322% | 357 |
| Net loans and leases to deposits | 95.0106% | 1,272 |
| Net loans and leases to core deposits | 101.1086% | 1,688 |
| Total domestic deposits to total assets | 89.4976% | 677 |
| Equity capital to assets | 8.7620% | 4,746 |
| Core capital (leverage) ratio | 8.6810% | 4,969 |
| Tier 1 risk-based capital ratio | 9.6296% | 5,428 |
| Total risk-based capital ratio | 10.7450% | 5,419 |
| Memoranda: | ||
| Average total assets | $257,132,750 | 2,440 |
| Average earning assets | $229,430,000 | 2,504 |
| Average equity | $22,051,250 | 2,912 |
| Average total loans | $220,351,500 | 2,030 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 158 |
| Cost of funding earning assets | 0.4188% | 3,580 |
| Net interest margin | 5.4907% | 110 |
| Noninterest income to average assets | 0.9579% | 1,033 |
| Noninterest expense to average assets | 3.9872% | 545 |
| Loan and lease loss provision to assets | 0.0930% | 2,057 |
| Net operating income to assets | 1.7855% | 598 |
| Return on assets (ROA) | 1.7855% | 601 |
| Pretax return on assets | 1.7855% | 998 |
| Return on Equity (ROE) | 20.9702% | 206 |
| Retained earnings to average equity (ytd only) | 10.6398% | 751 |
| Net charge-offs to loans | 0.0371% | 2,106 |
| Credit loss provision to net charge-offs | 292.6829% | 1,019 |
| Earnings coverage of net charge-offs (x) | 59.1220% | 1,007 |
| Efficiency ratio | 67.9746% | 2,650 |
| Assets per employee ($millions) | 3.3907% | 4,728 |
| Cash dividends to net income (ytd only)* | 49.2622% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,987 |
| Loan loss allowance to noncurrent loans | 70.8229% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4245% | 959 |
| Noncurrent loans to loans | 1.6220% | 998 |
| Net loans and leases to total assets | 83.6859% | 494 |
| Net loans and leases to deposits | 92.9898% | 1,476 |
| Net loans and leases to core deposits | 101.0690% | 1,649 |
| Total domestic deposits to total assets | 89.9947% | 576 |
| Equity capital to assets | 8.6119% | 4,866 |
| Core capital (leverage) ratio | 8.7688% | 4,912 |
| Tier 1 risk-based capital ratio | 9.1194% | 5,509 |
| Total risk-based capital ratio | 10.1556% | 5,515 |
| Memoranda: | ||
| Average total assets | $258,072,670 | 2,438 |
| Average earning assets | $230,683,000 | 2,508 |
| Average equity | $21,974,000 | 2,929 |
| Average total loans | $220,864,330 | 2,023 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 168 |
| Cost of funding earning assets | 0.4278% | 3,382 |
| Net interest margin | 5.4350% | 118 |
| Noninterest income to average assets | 0.9869% | 937 |
| Noninterest expense to average assets | 3.9943% | 536 |
| Loan and lease loss provision to assets | 0.0935% | 1,951 |
| Net operating income to assets | 1.7913% | 572 |
| Return on assets (ROA) | 1.7913% | 576 |
| Pretax return on assets | 1.7913% | 928 |
| Return on Equity (ROE) | 21.1612% | 187 |
| Retained earnings to average equity (ytd only) | 13.8128% | 420 |
| Net charge-offs to loans | 0.0489% | 1,616 |
| Credit loss provision to net charge-offs | 222.2222% | 975 |
| Earnings coverage of net charge-offs (x) | 44.7778% | 998 |
| Efficiency ratio | 67.9395% | 2,837 |
| Assets per employee ($millions) | 3.2972% | 4,903 |
| Cash dividends to net income (ytd only)* | 34.7258% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,163 |
| Loan loss allowance to noncurrent loans | 186.8816% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 2,615 |
| Noncurrent loans to loans | 0.6083% | 2,722 |
| Net loans and leases to total assets | 84.2954% | 409 |
| Net loans and leases to deposits | 93.6280% | 1,263 |
| Net loans and leases to core deposits | 110.4105% | 977 |
| Total domestic deposits to total assets | 90.0322% | 645 |
| Equity capital to assets | 8.5851% | 4,910 |
| Core capital (leverage) ratio | 8.4269% | 5,184 |
| Tier 1 risk-based capital ratio | 9.0264% | 5,577 |
| Total risk-based capital ratio | 10.0527% | 5,581 |
| Memoranda: | ||
| Average total assets | $256,568,500 | 2,469 |
| Average earning assets | $230,948,500 | 2,524 |
| Average equity | $21,719,000 | 2,975 |
| Average total loans | $220,783,000 | 2,032 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8340% | 163 |
| Cost of funding earning assets | 0.4309% | 2,951 |
| Net interest margin | 5.4032% | 120 |
| Noninterest income to average assets | 0.9338% | 1,177 |
| Noninterest expense to average assets | 3.7617% | 730 |
| Loan and lease loss provision to assets | 0.1375% | 1,663 |
| Net operating income to assets | 1.8480% | 376 |
| Return on assets (ROA) | 1.8480% | 382 |
| Pretax return on assets | 1.8480% | 694 |
| Return on Equity (ROE) | 23.0371% | 95 |
| Retained earnings to average equity (ytd only) | 7.9288% | 794 |
| Net charge-offs to loans | 0.0456% | 2,872 |
| Credit loss provision to net charge-offs | 357.1429% | 827 |
| Earnings coverage of net charge-offs (x) | 51.5714% | 1,065 |
| Efficiency ratio | 65.4522% | 3,349 |
| Assets per employee ($millions) | 3.5063% | 4,686 |
| Cash dividends to net income (ytd only)* | 65.5825% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,320 |
| Loan loss allowance to noncurrent loans | 243.8057% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 3,086 |
| Noncurrent loans to loans | 0.4539% | 3,150 |
| Net loans and leases to total assets | 85.8824% | 262 |
| Net loans and leases to deposits | 95.0294% | 1,176 |
| Net loans and leases to core deposits | 116.9831% | 689 |
| Total domestic deposits to total assets | 90.3746% | 442 |
| Equity capital to assets | 8.3447% | 5,235 |
| Core capital (leverage) ratio | 8.3486% | 5,257 |
| Tier 1 risk-based capital ratio | 8.9903% | 5,634 |
| Total risk-based capital ratio | 10.0347% | 5,638 |
| Memoranda: | ||
| Average total assets | $254,542,400 | 2,457 |
| Average earning assets | $226,756,400 | 2,531 |
| Average equity | $20,419,200 | 3,094 |
| Average total loans | $214,959,200 | 2,039 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 157 |
| Cost of funding earning assets | 0.4391% | 2,817 |
| Net interest margin | 5.4004% | 122 |
| Noninterest income to average assets | 0.9164% | 1,223 |
| Noninterest expense to average assets | 3.7404% | 730 |
| Loan and lease loss provision to assets | 0.1442% | 1,462 |
| Net operating income to assets | 1.8317% | 440 |
| Return on assets (ROA) | 1.8317% | 449 |
| Pretax return on assets | 1.8317% | 819 |
| Return on Equity (ROE) | 23.0669% | 104 |
| Retained earnings to average equity (ytd only) | 7.2530% | 1,566 |
| Net charge-offs to loans | 0.0413% | 2,610 |
| Credit loss provision to net charge-offs | 416.6667% | 745 |
| Earnings coverage of net charge-offs (x) | 57.0743% | 1,022 |
| Efficiency ratio | 65.4340% | 3,304 |
| Assets per employee ($millions) | 3.5266% | 4,690 |
| Cash dividends to net income (ytd only)* | 68.5567% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,510 |
| Loan loss allowance to noncurrent loans | 517.5589% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 4,073 |
| Noncurrent loans to loans | 0.2116% | 4,222 |
| Net loans and leases to total assets | 83.6539% | 471 |
| Net loans and leases to deposits | 92.2575% | 1,534 |
| Net loans and leases to core deposits | 112.0286% | 924 |
| Total domestic deposits to total assets | 90.6743% | 266 |
| Equity capital to assets | 8.0071% | 5,520 |
| Core capital (leverage) ratio | 8.1768% | 5,435 |
| Tier 1 risk-based capital ratio | 8.8317% | 5,705 |
| Total risk-based capital ratio | 9.8652% | 5,707 |
| Memoranda: | ||
| Average total assets | $254,188,500 | 2,482 |
| Average earning assets | $225,927,000 | 2,558 |
| Average equity | $20,184,250 | 3,141 |
| Average total loans | $213,128,250 | 2,063 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 165 |
| Cost of funding earning assets | 0.4086% | 2,991 |
| Net interest margin | 5.3928% | 123 |
| Noninterest income to average assets | 0.8987% | 1,276 |
| Noninterest expense to average assets | 3.7908% | 679 |
| Loan and lease loss provision to assets | 0.1588% | 1,255 |
| Net operating income to assets | 1.7481% | 507 |
| Return on assets (ROA) | 1.7481% | 515 |
| Pretax return on assets | 1.7481% | 952 |
| Return on Equity (ROE) | 22.0785% | 135 |
| Retained earnings to average equity (ytd only) | 11.9216% | 331 |
| Net charge-offs to loans | 0.0418% | 2,359 |
| Credit loss provision to net charge-offs | 454.5455% | 711 |
| Earnings coverage of net charge-offs (x) | 54.5909% | 1,012 |
| Efficiency ratio | 66.5320% | 3,257 |
| Assets per employee ($millions) | 3.4120% | 4,845 |
| Cash dividends to net income (ytd only)* | 46.0036% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 3,631 |
| Loan loss allowance to noncurrent loans | 208.6496% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 3,173 |
| Noncurrent loans to loans | 0.5233% | 3,185 |
| Net loans and leases to total assets | 84.8085% | 358 |
| Net loans and leases to deposits | 97.4085% | 946 |
| Net loans and leases to core deposits | 110.6196% | 975 |
| Total domestic deposits to total assets | 87.0648% | 1,918 |
| Equity capital to assets | 8.1164% | 5,481 |
| Core capital (leverage) ratio | 7.9770% | 5,540 |
| Tier 1 risk-based capital ratio | 9.2707% | 5,727 |
| Total risk-based capital ratio | 10.3532% | 5,733 |
| Memoranda: | ||
| Average total assets | $251,929,000 | 2,503 |
| Average earning assets | $224,188,670 | 2,584 |
| Average equity | $19,947,000 | 3,162 |
| Average total loans | $210,595,670 | 2,084 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6899% | 182 |
| Cost of funding earning assets | 0.3810% | 3,198 |
| Net interest margin | 5.3089% | 133 |
| Noninterest income to average assets | 0.7677% | 1,675 |
| Noninterest expense to average assets | 3.7544% | 720 |
| Loan and lease loss provision to assets | 0.1987% | 833 |
| Net operating income to assets | 1.5323% | 766 |
| Return on assets (ROA) | 1.5323% | 790 |
| Pretax return on assets | 1.5323% | 1,438 |
| Return on Equity (ROE) | 19.5995% | 251 |
| Retained earnings to average equity (ytd only) | 16.7327% | 174 |
| Net charge-offs to loans | 0.0231% | 2,303 |
| Credit loss provision to net charge-offs | 1,041.6667% | 303 |
| Earnings coverage of net charge-offs (x) | 90.7500% | 586 |
| Efficiency ratio | 68.4439% | 3,133 |
| Assets per employee ($millions) | 3.4643% | 4,844 |
| Cash dividends to net income (ytd only)* | 14.6266% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,760 |
| Loan loss allowance to noncurrent loans | 165.7857% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 2,876 |
| Noncurrent loans to loans | 0.6579% | 2,861 |
| Net loans and leases to total assets | 81.0122% | 690 |
| Net loans and leases to deposits | 93.1613% | 1,205 |
| Net loans and leases to core deposits | 106.6633% | 1,054 |
| Total domestic deposits to total assets | 86.9590% | 2,236 |
| Equity capital to assets | 7.7327% | 5,623 |
| Core capital (leverage) ratio | 7.9666% | 5,572 |
| Tier 1 risk-based capital ratio | 9.3191% | 5,789 |
| Total risk-based capital ratio | 10.4070% | 5,793 |
| Memoranda: | ||
| Average total assets | $251,648,500 | 2,528 |
| Average earning assets | $223,623,000 | 2,611 |
| Average equity | $19,674,000 | 3,208 |
| Average total loans | $207,645,000 | 2,117 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 226 |
| Cost of funding earning assets | 0.3539% | 3,477 |
| Net interest margin | 5.2190% | 163 |
| Noninterest income to average assets | 1.0013% | 1,141 |
| Noninterest expense to average assets | 3.7499% | 824 |
| Loan and lease loss provision to assets | 0.0316% | 3,725 |
| Net operating income to assets | 1.8101% | 440 |
| Return on assets (ROA) | 1.8101% | 459 |
| Pretax return on assets | 1.8101% | 780 |
| Return on Equity (ROE) | 22.5054% | 133 |
| Retained earnings to average equity (ytd only) | 5.4522% | 2,045 |
| Net charge-offs to loans | 0.0268% | 3,497 |
| Credit loss provision to net charge-offs | 144.2308% | 1,899 |
| Earnings coverage of net charge-offs (x) | 84.0769% | 688 |
| Efficiency ratio | 67.0634% | 3,429 |
| Assets per employee ($millions) | 3.2037% | 5,142 |
| Cash dividends to net income (ytd only)* | 75.7738% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,765 |
| Loan loss allowance to noncurrent loans | 245.3333% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 3,566 |
| Noncurrent loans to loans | 0.4445% | 3,554 |
| Net loans and leases to total assets | 82.2563% | 571 |
| Net loans and leases to deposits | 94.9936% | 1,092 |
| Net loans and leases to core deposits | 105.6486% | 1,152 |
| Total domestic deposits to total assets | 86.5914% | 2,337 |
| Equity capital to assets | 7.9091% | 5,600 |
| Core capital (leverage) ratio | 8.1424% | 5,538 |
| Tier 1 risk-based capital ratio | 8.9769% | 5,856 |
| Total risk-based capital ratio | 10.0169% | 5,866 |
| Memoranda: | ||
| Average total assets | $237,393,400 | 2,604 |
| Average earning assets | $208,793,600 | 2,708 |
| Average equity | $19,093,200 | 3,262 |
| Average total loans | $193,884,000 | 2,164 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5807% | 225 |
| Cost of funding earning assets | 0.3515% | 3,521 |
| Net interest margin | 5.2292% | 163 |
| Noninterest income to average assets | 1.0231% | 1,099 |
| Noninterest expense to average assets | 3.7584% | 785 |
| Loan and lease loss provision to assets | 0.0424% | 3,384 |
| Net operating income to assets | 1.8224% | 467 |
| Return on assets (ROA) | 1.8224% | 494 |
| Pretax return on assets | 1.8224% | 860 |
| Return on Equity (ROE) | 22.5620% | 143 |
| Retained earnings to average equity (ytd only) | 7.4390% | 1,425 |
| Net charge-offs to loans | 0.0070% | 3,673 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 329.9745% | 257 |
| Efficiency ratio | 66.8376% | 3,453 |
| Assets per employee ($millions) | 3.3821% | 4,932 |
| Cash dividends to net income (ytd only)* | 67.0285% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,549 |
| Loan loss allowance to noncurrent loans | 210.2804% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 3,389 |
| Noncurrent loans to loans | 0.5461% | 3,358 |
| Net loans and leases to total assets | 80.6590% | 802 |
| Net loans and leases to deposits | 93.5582% | 1,309 |
| Net loans and leases to core deposits | 104.3257% | 1,319 |
| Total domestic deposits to total assets | 86.2126% | 2,255 |
| Equity capital to assets | 8.0635% | 5,718 |
| Core capital (leverage) ratio | 8.0219% | 5,676 |
| Tier 1 risk-based capital ratio | 9.5346% | 5,871 |
| Total risk-based capital ratio | 10.6590% | 5,879 |
| Memoranda: | ||
| Average total assets | $235,872,250 | 2,623 |
| Average earning assets | $207,495,500 | 2,729 |
| Average equity | $19,052,250 | 3,288 |
| Average total loans | $191,734,000 | 2,190 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5892% | 223 |
| Cost of funding earning assets | 0.3460% | 3,612 |
| Net interest margin | 5.2432% | 160 |
| Noninterest income to average assets | 0.9639% | 1,207 |
| Noninterest expense to average assets | 3.7475% | 820 |
| Loan and lease loss provision to assets | 0.0640% | 2,867 |
| Net operating income to assets | 1.7675% | 503 |
| Return on assets (ROA) | 1.7675% | 537 |
| Pretax return on assets | 1.7675% | 941 |
| Return on Equity (ROE) | 21.8696% | 161 |
| Retained earnings to average equity (ytd only) | 12.0853% | 313 |
| Net charge-offs to loans | -0.0410% | 5,281 |
| Credit loss provision to net charge-offs | -192.3077% | 4,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1713% | 3,508 |
| Assets per employee ($millions) | 3.3038% | 5,056 |
| Cash dividends to net income (ytd only)* | 44.7394% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,597 |
| Loan loss allowance to noncurrent loans | 201.3135% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 3,136 |
| Noncurrent loans to loans | 0.5747% | 3,343 |
| Net loans and leases to total assets | 81.4376% | 686 |
| Net loans and leases to deposits | 94.3590% | 1,253 |
| Net loans and leases to core deposits | 114.8434% | 691 |
| Total domestic deposits to total assets | 86.3061% | 2,266 |
| Equity capital to assets | 8.0690% | 5,783 |
| Core capital (leverage) ratio | 8.1426% | 5,638 |
| Tier 1 risk-based capital ratio | 9.4780% | 5,952 |
| Total risk-based capital ratio | 10.6151% | 5,957 |
| Memoranda: | ||
| Average total assets | $234,452,330 | 2,645 |
| Average earning assets | $206,363,330 | 2,747 |
| Average equity | $18,948,670 | 3,308 |
| Average total loans | $190,332,670 | 2,207 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 268 |
| Cost of funding earning assets | 0.3468% | 3,631 |
| Net interest margin | 5.1245% | 197 |
| Noninterest income to average assets | 0.9936% | 1,091 |
| Noninterest expense to average assets | 3.8011% | 777 |
| Loan and lease loss provision to assets | 0.0779% | 2,403 |
| Net operating income to assets | 1.6167% | 679 |
| Return on assets (ROA) | 1.6167% | 723 |
| Pretax return on assets | 1.6167% | 1,255 |
| Return on Equity (ROE) | 19.9866% | 249 |
| Retained earnings to average equity (ytd only) | 16.9694% | 151 |
| Net charge-offs to loans | 0.1440% | 1,251 |
| Credit loss provision to net charge-offs | 67.1642% | 1,921 |
| Earnings coverage of net charge-offs (x) | 14.6119% | 1,690 |
| Efficiency ratio | 69.1654% | 3,269 |
| Assets per employee ($millions) | 3.0494% | 5,457 |
| Cash dividends to net income (ytd only)* | 15.0964% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,748 |
| Loan loss allowance to noncurrent loans | 177.1499% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 3,064 |
| Noncurrent loans to loans | 0.6511% | 3,220 |
| Net loans and leases to total assets | 79.9854% | 810 |
| Net loans and leases to deposits | 93.2022% | 1,212 |
| Net loans and leases to core deposits | 110.8051% | 814 |
| Total domestic deposits to total assets | 85.8193% | 2,755 |
| Equity capital to assets | 8.2412% | 5,719 |
| Core capital (leverage) ratio | 8.1346% | 5,695 |
| Tier 1 risk-based capital ratio | 9.7461% | 5,964 |
| Total risk-based capital ratio | 10.8668% | 5,963 |
| Memoranda: | ||
| Average total assets | $231,088,000 | 2,680 |
| Average earning assets | $203,026,500 | 2,789 |
| Average equity | $18,692,500 | 3,344 |
| Average total loans | $186,143,500 | 2,251 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5402% | 251 |
| Cost of funding earning assets | 0.3372% | 3,822 |
| Net interest margin | 5.2030% | 182 |
| Noninterest income to average assets | 0.9890% | 1,206 |
| Noninterest expense to average assets | 3.8363% | 826 |
| Loan and lease loss provision to assets | 0.0571% | 3,167 |
| Net operating income to assets | 1.6787% | 601 |
| Return on assets (ROA) | 1.6787% | 618 |
| Pretax return on assets | 1.6787% | 1,046 |
| Return on Equity (ROE) | 20.2519% | 243 |
| Retained earnings to average equity (ytd only) | 4.2070% | 2,991 |
| Net charge-offs to loans | 0.0699% | 2,847 |
| Credit loss provision to net charge-offs | 101.6260% | 2,464 |
| Earnings coverage of net charge-offs (x) | 30.8780% | 1,427 |
| Efficiency ratio | 68.8484% | 3,432 |
| Assets per employee ($millions) | 3.0723% | 5,454 |
| Cash dividends to net income (ytd only)* | 79.2268% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,577 |
| Loan loss allowance to noncurrent loans | 165.5303% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 2,710 |
| Noncurrent loans to loans | 0.7145% | 3,040 |
| Net loans and leases to total assets | 79.2327% | 955 |
| Net loans and leases to deposits | 91.9513% | 1,406 |
| Net loans and leases to core deposits | 112.6126% | 741 |
| Total domestic deposits to total assets | 86.1682% | 2,560 |
| Equity capital to assets | 7.9358% | 5,878 |
| Core capital (leverage) ratio | 8.0174% | 5,829 |
| Tier 1 risk-based capital ratio | 9.5902% | 6,032 |
| Total risk-based capital ratio | 10.7531% | 6,032 |
| Memoranda: | ||
| Average total assets | $218,802,200 | 2,755 |
| Average earning assets | $192,735,800 | 2,862 |
| Average equity | $18,136,600 | 3,365 |
| Average total loans | $175,973,000 | 2,285 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 240 |
| Cost of funding earning assets | 0.3319% | 3,964 |
| Net interest margin | 5.2217% | 178 |
| Noninterest income to average assets | 0.9381% | 1,348 |
| Noninterest expense to average assets | 3.7739% | 884 |
| Loan and lease loss provision to assets | 0.0772% | 2,643 |
| Net operating income to assets | 1.6927% | 635 |
| Return on assets (ROA) | 1.6927% | 658 |
| Pretax return on assets | 1.6927% | 1,123 |
| Return on Equity (ROE) | 20.1919% | 262 |
| Retained earnings to average equity (ytd only) | 5.3482% | 2,685 |
| Net charge-offs to loans | 0.0614% | 2,716 |
| Credit loss provision to net charge-offs | 156.2500% | 1,629 |
| Earnings coverage of net charge-offs (x) | 35.8264% | 1,340 |
| Efficiency ratio | 68.0740% | 3,523 |
| Assets per employee ($millions) | 2.9692% | 5,582 |
| Cash dividends to net income (ytd only)* | 73.5132% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 3,392 |
| Loan loss allowance to noncurrent loans | 438.5827% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6354% | 3,356 |
| Noncurrent loans to loans | 0.2843% | 4,563 |
| Net loans and leases to total assets | 79.2482% | 916 |
| Net loans and leases to deposits | 92.5970% | 1,349 |
| Net loans and leases to core deposits | 113.3464% | 694 |
| Total domestic deposits to total assets | 85.5839% | 2,745 |
| Equity capital to assets | 8.1966% | 5,875 |
| Core capital (leverage) ratio | 8.1674% | 5,803 |
| Tier 1 risk-based capital ratio | 9.6783% | 6,105 |
| Total risk-based capital ratio | 10.8775% | 6,096 |
| Memoranda: | ||
| Average total assets | $215,896,500 | 2,806 |
| Average earning assets | $190,430,750 | 2,910 |
| Average equity | $18,099,250 | 3,394 |
| Average total loans | $173,777,000 | 2,324 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5240% | 256 |
| Cost of funding earning assets | 0.3281% | 4,073 |
| Net interest margin | 5.1959% | 183 |
| Noninterest income to average assets | 0.9446% | 1,318 |
| Noninterest expense to average assets | 3.7438% | 935 |
| Loan and lease loss provision to assets | 0.1170% | 1,897 |
| Net operating income to assets | 1.6805% | 644 |
| Return on assets (ROA) | 1.6805% | 674 |
| Pretax return on assets | 1.6805% | 1,122 |
| Return on Equity (ROE) | 19.8914% | 274 |
| Retained earnings to average equity (ytd only) | 9.2531% | 845 |
| Net charge-offs to loans | 0.0569% | 2,588 |
| Credit loss provision to net charge-offs | 255.1020% | 1,038 |
| Earnings coverage of net charge-offs (x) | 39.1837% | 1,144 |
| Efficiency ratio | 67.5621% | 3,735 |
| Assets per employee ($millions) | 3.1112% | 5,451 |
| Cash dividends to net income (ytd only)* | 53.4819% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 3,324 |
| Loan loss allowance to noncurrent loans | 1,298.2759% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 3,794 |
| Noncurrent loans to loans | 0.0990% | 5,344 |
| Net loans and leases to total assets | 80.7952% | 699 |
| Net loans and leases to deposits | 92.4223% | 1,327 |
| Net loans and leases to core deposits | 113.2020% | 703 |
| Total domestic deposits to total assets | 87.4196% | 1,948 |
| Equity capital to assets | 8.5422% | 5,652 |
| Core capital (leverage) ratio | 8.4837% | 5,548 |
| Tier 1 risk-based capital ratio | 9.4902% | 6,205 |
| Total risk-based capital ratio | 10.6753% | 6,192 |
| Memoranda: | ||
| Average total assets | $213,632,330 | 2,848 |
| Average earning assets | $188,993,670 | 2,941 |
| Average equity | $18,048,000 | 3,415 |
| Average total loans | $172,134,330 | 2,350 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 281 |
| Cost of funding earning assets | 0.3356% | 4,029 |
| Net interest margin | 5.1078% | 206 |
| Noninterest income to average assets | 0.8916% | 1,412 |
| Noninterest expense to average assets | 3.7183% | 985 |
| Loan and lease loss provision to assets | 0.1408% | 1,454 |
| Net operating income to assets | 1.5748% | 744 |
| Return on assets (ROA) | 1.5748% | 779 |
| Pretax return on assets | 1.5748% | 1,334 |
| Return on Equity (ROE) | 18.7455% | 333 |
| Retained earnings to average equity (ytd only) | 15.6175% | 237 |
| Net charge-offs to loans | 0.0047% | 3,155 |
| Credit loss provision to net charge-offs | 3,750.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 457.0000% | 122 |
| Efficiency ratio | 68.4283% | 3,752 |
| Assets per employee ($millions) | 3.2199% | 5,376 |
| Cash dividends to net income (ytd only)* | 16.6865% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3288% | 3,249 |
| Loan loss allowance to noncurrent loans | 455.7576% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 3,448 |
| Noncurrent loans to loans | 0.2916% | 4,737 |
| Net loans and leases to total assets | 76.5087% | 1,136 |
| Net loans and leases to deposits | 87.3204% | 1,689 |
| Net loans and leases to core deposits | 103.6070% | 1,088 |
| Total domestic deposits to total assets | 87.6183% | 2,033 |
| Equity capital to assets | 8.3383% | 5,847 |
| Core capital (leverage) ratio | 8.2406% | 5,781 |
| Tier 1 risk-based capital ratio | 9.7382% | 6,227 |
| Total risk-based capital ratio | 10.9618% | 6,201 |
| Memoranda: | ||
| Average total assets | $213,111,000 | 2,877 |
| Average earning assets | $189,513,500 | 2,954 |
| Average equity | $17,903,000 | 3,462 |
| Average total loans | $170,348,500 | 2,363 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8999% | 176 |
| Cost of funding earning assets | 0.3648% | 4,086 |
| Net interest margin | 5.5351% | 128 |
| Noninterest income to average assets | 1.0662% | 1,072 |
| Noninterest expense to average assets | 3.7533% | 1,058 |
| Loan and lease loss provision to assets | 0.1234% | 2,122 |
| Net operating income to assets | 2.1555% | 244 |
| Return on assets (ROA) | 2.1555% | 249 |
| Pretax return on assets | 2.1555% | 357 |
| Return on Equity (ROE) | 25.1118% | 103 |
| Retained earnings to average equity (ytd only) | 4.6405% | 2,867 |
| Net charge-offs to loans | 0.0162% | 4,546 |
| Credit loss provision to net charge-offs | 925.9259% | 292 |
| Earnings coverage of net charge-offs (x) | 171.0000% | 312 |
| Efficiency ratio | 62.2208% | 4,877 |
| Assets per employee ($millions) | 2.9610% | 5,749 |
| Cash dividends to net income (ytd only)* | 81.5205% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 3,560 |
| Loan loss allowance to noncurrent loans | 294.2049% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5679% | 3,902 |
| Noncurrent loans to loans | 0.4341% | 4,343 |
| Net loans and leases to total assets | 81.4111% | 585 |
| Net loans and leases to deposits | 95.9764% | 902 |
| Net loans and leases to core deposits | 115.7919% | 534 |
| Total domestic deposits to total assets | 84.8241% | 3,356 |
| Equity capital to assets | 8.4668% | 5,778 |
| Core capital (leverage) ratio | 8.3318% | 5,747 |
| Tier 1 risk-based capital ratio | 10.3819% | 6,148 |
| Total risk-based capital ratio | 11.6328% | 6,095 |
| Memoranda: | ||
| Average total assets | $202,595,400 | 2,954 |
| Average earning assets | $181,766,000 | 3,016 |
| Average equity | $17,390,200 | 3,470 |
| Average total loans | $166,683,200 | 2,356 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 168 |
| Cost of funding earning assets | 0.3690% | 4,134 |
| Net interest margin | 5.5311% | 131 |
| Noninterest income to average assets | 1.0399% | 1,133 |
| Noninterest expense to average assets | 3.7068% | 1,107 |
| Loan and lease loss provision to assets | 0.1489% | 1,681 |
| Net operating income to assets | 2.1546% | 259 |
| Return on assets (ROA) | 2.1546% | 269 |
| Pretax return on assets | 2.1546% | 403 |
| Return on Equity (ROE) | 25.0131% | 103 |
| Retained earnings to average equity (ytd only) | 8.6989% | 1,096 |
| Net charge-offs to loans | 0.0491% | 3,517 |
| Credit loss provision to net charge-offs | 368.8525% | 764 |
| Earnings coverage of net charge-offs (x) | 57.0500% | 897 |
| Efficiency ratio | 61.6740% | 4,936 |
| Assets per employee ($millions) | 3.2000% | 5,432 |
| Cash dividends to net income (ytd only)* | 65.2229% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 4,044 |
| Loan loss allowance to noncurrent loans | 200.7561% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7699% | 3,514 |
| Noncurrent loans to loans | 0.6155% | 4,081 |
| Net loans and leases to total assets | 80.3837% | 676 |
| Net loans and leases to deposits | 92.1742% | 1,210 |
| Net loans and leases to core deposits | 113.0856% | 617 |
| Total domestic deposits to total assets | 87.2085% | 2,191 |
| Equity capital to assets | 8.4611% | 5,824 |
| Core capital (leverage) ratio | 8.5191% | 5,642 |
| Tier 1 risk-based capital ratio | 10.5141% | 6,208 |
| Total risk-based capital ratio | 11.7642% | 6,152 |
| Memoranda: | ||
| Average total assets | $201,427,000 | 2,997 |
| Average earning assets | $181,009,500 | 3,042 |
| Average equity | $17,350,500 | 3,492 |
| Average total loans | $165,623,250 | 2,388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9771% | 155 |
| Cost of funding earning assets | 0.3779% | 4,130 |
| Net interest margin | 5.5992% | 117 |
| Noninterest income to average assets | 1.0304% | 1,121 |
| Noninterest expense to average assets | 3.7574% | 1,031 |
| Loan and lease loss provision to assets | 0.1514% | 1,627 |
| Net operating income to assets | 2.1467% | 255 |
| Return on assets (ROA) | 2.1467% | 270 |
| Pretax return on assets | 2.1467% | 411 |
| Return on Equity (ROE) | 24.7652% | 117 |
| Retained earnings to average equity (ytd only) | 6.4038% | 2,088 |
| Net charge-offs to loans | 0.0685% | 3,021 |
| Credit loss provision to net charge-offs | 267.8571% | 940 |
| Earnings coverage of net charge-offs (x) | 40.6607% | 1,050 |
| Efficiency ratio | 62.0500% | 4,997 |
| Assets per employee ($millions) | 2.9804% | 5,778 |
| Cash dividends to net income (ytd only)* | 74.1420% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 4,270 |
| Loan loss allowance to noncurrent loans | 321.9436% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 4,165 |
| Noncurrent loans to loans | 0.3822% | 4,846 |
| Net loans and leases to total assets | 82.5590% | 415 |
| Net loans and leases to deposits | 95.1562% | 869 |
| Net loans and leases to core deposits | 113.8102% | 543 |
| Total domestic deposits to total assets | 86.7615% | 2,598 |
| Equity capital to assets | 8.6479% | 5,667 |
| Core capital (leverage) ratio | 8.3505% | 5,802 |
| Tier 1 risk-based capital ratio | 10.4730% | 6,258 |
| Total risk-based capital ratio | 11.7231% | 6,207 |
| Memoranda: | ||
| Average total assets | $198,168,670 | 3,057 |
| Average earning assets | $177,846,330 | 3,106 |
| Average equity | $17,177,330 | 3,520 |
| Average total loans | $163,532,330 | 2,410 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9917% | 145 |
| Cost of funding earning assets | 0.3883% | 4,110 |
| Net interest margin | 5.6034% | 115 |
| Noninterest income to average assets | 0.9969% | 1,133 |
| Noninterest expense to average assets | 3.7364% | 1,080 |
| Loan and lease loss provision to assets | 0.1520% | 1,597 |
| Net operating income to assets | 2.1377% | 266 |
| Return on assets (ROA) | 2.1377% | 280 |
| Pretax return on assets | 2.1377% | 398 |
| Return on Equity (ROE) | 24.6330% | 130 |
| Retained earnings to average equity (ytd only) | 21.3408% | 96 |
| Net charge-offs to loans | 0.0890% | 2,275 |
| Credit loss provision to net charge-offs | 208.3333% | 1,003 |
| Earnings coverage of net charge-offs (x) | 31.3889% | 1,020 |
| Efficiency ratio | 62.0040% | 5,117 |
| Assets per employee ($millions) | 3.0647% | 5,749 |
| Cash dividends to net income (ytd only)* | 13.3649% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 4,467 |
| Loan loss allowance to noncurrent loans | 469.2488% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 4,682 |
| Noncurrent loans to loans | 0.2628% | 5,314 |
| Net loans and leases to total assets | 80.3806% | 506 |
| Net loans and leases to deposits | 92.8960% | 884 |
| Net loans and leases to core deposits | 110.4746% | 569 |
| Total domestic deposits to total assets | 86.5275% | 3,094 |
| Equity capital to assets | 8.8381% | 5,286 |
| Core capital (leverage) ratio | 8.5893% | 5,533 |
| Tier 1 risk-based capital ratio | 11.0606% | 6,132 |
| Total risk-based capital ratio | 12.3111% | 6,080 |
| Memoranda: | ||
| Average total assets | $197,408,000 | 3,083 |
| Average earning assets | $177,177,500 | 3,135 |
| Average equity | $17,131,500 | 3,536 |
| Average total loans | $161,840,500 | 2,438 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1872% | 128 |
| Cost of funding earning assets | 0.5264% | 3,332 |
| Net interest margin | 5.6608% | 109 |
| Noninterest income to average assets | 1.1270% | 1,108 |
| Noninterest expense to average assets | 3.8811% | 1,016 |
| Loan and lease loss provision to assets | 0.2665% | 1,323 |
| Net operating income to assets | 2.0347% | 320 |
| Return on assets (ROA) | 2.0347% | 323 |
| Pretax return on assets | 2.0347% | 445 |
| Return on Equity (ROE) | 24.1364% | 146 |
| Retained earnings to average equity (ytd only) | 2.6979% | 4,318 |
| Net charge-offs to loans | 0.2843% | 2,272 |
| Credit loss provision to net charge-offs | 115.8940% | 2,079 |
| Earnings coverage of net charge-offs (x) | 10.0066% | 2,437 |
| Efficiency ratio | 62.7771% | 5,091 |
| Assets per employee ($millions) | 3.0094% | 5,822 |
| Cash dividends to net income (ytd only)* | 88.8224% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 4,594 |
| Loan loss allowance to noncurrent loans | 217.0543% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 4,033 |
| Noncurrent loans to loans | 0.5589% | 4,591 |
| Net loans and leases to total assets | 81.5904% | 446 |
| Net loans and leases to deposits | 94.0987% | 870 |
| Net loans and leases to core deposits | 109.5643% | 625 |
| Total domestic deposits to total assets | 86.7072% | 2,873 |
| Equity capital to assets | 8.5154% | 5,565 |
| Core capital (leverage) ratio | 8.2477% | 5,925 |
| Tier 1 risk-based capital ratio | 10.5808% | 6,340 |
| Total risk-based capital ratio | 11.8307% | 6,299 |
| Memoranda: | ||
| Average total assets | $196,981,600 | 3,066 |
| Average earning assets | $175,910,200 | 3,133 |
| Average equity | $16,605,600 | 3,613 |
| Average total loans | $159,348,000 | 2,433 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1768% | 133 |
| Cost of funding earning assets | 0.5514% | 3,249 |
| Net interest margin | 5.6254% | 114 |
| Noninterest income to average assets | 1.1291% | 1,147 |
| Noninterest expense to average assets | 3.9136% | 951 |
| Loan and lease loss provision to assets | 0.2703% | 1,303 |
| Net operating income to assets | 1.9636% | 386 |
| Return on assets (ROA) | 1.9636% | 401 |
| Pretax return on assets | 1.9636% | 627 |
| Return on Equity (ROE) | 23.3510% | 162 |
| Retained earnings to average equity (ytd only) | 5.9221% | 2,463 |
| Net charge-offs to loans | 0.2284% | 2,437 |
| Credit loss provision to net charge-offs | 147.0588% | 1,599 |
| Earnings coverage of net charge-offs (x) | 12.1543% | 2,168 |
| Efficiency ratio | 63.6623% | 4,859 |
| Assets per employee ($millions) | 2.9611% | 5,909 |
| Cash dividends to net income (ytd only)* | 74.6387% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,642 |
| Loan loss allowance to noncurrent loans | 358.7189% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 4,787 |
| Noncurrent loans to loans | 0.3485% | 5,336 |
| Net loans and leases to total assets | 80.2709% | 522 |
| Net loans and leases to deposits | 92.7161% | 923 |
| Net loans and leases to core deposits | 112.4614% | 490 |
| Total domestic deposits to total assets | 86.5771% | 2,921 |
| Equity capital to assets | 8.5427% | 5,683 |
| Core capital (leverage) ratio | 8.3958% | 5,861 |
| Tier 1 risk-based capital ratio | 10.8229% | 6,353 |
| Total risk-based capital ratio | 12.0735% | 6,321 |
| Memoranda: | ||
| Average total assets | $197,324,500 | 3,088 |
| Average earning assets | $176,030,250 | 3,158 |
| Average equity | $16,592,750 | 3,654 |
| Average total loans | $158,795,250 | 2,453 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1000% | 153 |
| Cost of funding earning assets | 0.5638% | 3,274 |
| Net interest margin | 5.5362% | 128 |
| Noninterest income to average assets | 1.2053% | 1,053 |
| Noninterest expense to average assets | 3.9093% | 967 |
| Loan and lease loss provision to assets | 0.2792% | 1,314 |
| Net operating income to assets | 1.9526% | 384 |
| Return on assets (ROA) | 1.9526% | 414 |
| Pretax return on assets | 1.9526% | 666 |
| Return on Equity (ROE) | 23.3454% | 162 |
| Retained earnings to average equity (ytd only) | 7.2476% | 1,772 |
| Net charge-offs to loans | 0.3380% | 1,836 |
| Credit loss provision to net charge-offs | 102.9963% | 2,150 |
| Earnings coverage of net charge-offs (x) | 8.2322% | 2,438 |
| Efficiency ratio | 63.6574% | 4,917 |
| Assets per employee ($millions) | 2.9663% | 5,904 |
| Cash dividends to net income (ytd only)* | 68.9548% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,064 |
| Loan loss allowance to noncurrent loans | 306.3005% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 3,950 |
| Noncurrent loans to loans | 0.3872% | 5,304 |
| Net loans and leases to total assets | 79.4895% | 579 |
| Net loans and leases to deposits | 91.8024% | 984 |
| Net loans and leases to core deposits | 111.3838% | 507 |
| Total domestic deposits to total assets | 86.5876% | 3,068 |
| Equity capital to assets | 8.4668% | 5,802 |
| Core capital (leverage) ratio | 8.3433% | 5,833 |
| Tier 1 risk-based capital ratio | 10.8838% | 6,384 |
| Total risk-based capital ratio | 12.1272% | 6,357 |
| Memoranda: | ||
| Average total assets | $196,968,670 | 3,102 |
| Average earning assets | $175,606,330 | 3,180 |
| Average equity | $16,474,330 | 3,700 |
| Average total loans | $157,971,330 | 2,464 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0723% | 149 |
| Cost of funding earning assets | 0.5816% | 3,278 |
| Net interest margin | 5.4907% | 121 |
| Noninterest income to average assets | 1.0220% | 1,419 |
| Noninterest expense to average assets | 4.2696% | 652 |
| Loan and lease loss provision to assets | 0.1530% | 2,335 |
| Net operating income to assets | 1.4912% | 874 |
| Return on assets (ROA) | 1.4912% | 949 |
| Pretax return on assets | 1.4912% | 1,582 |
| Return on Equity (ROE) | 17.9409% | 436 |
| Retained earnings to average equity (ytd only) | 1.2026% | 5,372 |
| Net charge-offs to loans | 0.1452% | 2,531 |
| Credit loss provision to net charge-offs | 131.5789% | 1,503 |
| Earnings coverage of net charge-offs (x) | 14.1404% | 1,476 |
| Efficiency ratio | 72.1973% | 3,575 |
| Assets per employee ($millions) | 2.9016% | 6,147 |
| Cash dividends to net income (ytd only)* | 93.2969% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 5,178 |
| Loan loss allowance to noncurrent loans | 121.8670% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.5718% | 2,908 |
| Noncurrent loans to loans | 0.9841% | 4,163 |
| Net loans and leases to total assets | 78.4289% | 569 |
| Net loans and leases to deposits | 90.2473% | 943 |
| Net loans and leases to core deposits | 108.9302% | 531 |
| Total domestic deposits to total assets | 86.9044% | 3,018 |
| Equity capital to assets | 8.1723% | 6,274 |
| Core capital (leverage) ratio | 8.1260% | 6,022 |
| Tier 1 risk-based capital ratio | 10.6500% | 6,539 |
| Total risk-based capital ratio | 11.9001% | 6,505 |
| Memoranda: | ||
| Average total assets | $196,082,000 | 3,142 |
| Average earning assets | $174,695,500 | 3,213 |
| Average equity | $16,298,000 | 3,774 |
| Average total loans | $157,019,500 | 2,500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5535% | 123 |
| Cost of funding earning assets | 0.6835% | 3,628 |
| Net interest margin | 5.8700% | 94 |
| Noninterest income to average assets | 1.0484% | 1,409 |
| Noninterest expense to average assets | 4.2137% | 756 |
| Loan and lease loss provision to assets | 0.1528% | 3,702 |
| Net operating income to assets | 1.8972% | 435 |
| Return on assets (ROA) | 1.8987% | 481 |
| Pretax return on assets | 1.8987% | 759 |
| Return on Equity (ROE) | 22.6952% | 196 |
| Retained earnings to average equity (ytd only) | 0.7064% | 5,517 |
| Net charge-offs to loans | 0.0727% | 4,957 |
| Credit loss provision to net charge-offs | 263.1579% | 914 |
| Earnings coverage of net charge-offs (x) | 35.2982% | 892 |
| Efficiency ratio | 67.2712% | 4,273 |
| Assets per employee ($millions) | 2.7422% | 6,375 |
| Cash dividends to net income (ytd only)* | 96.8876% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,032 |
| Loan loss allowance to noncurrent loans | 149.0134% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.4238% | 3,264 |
| Noncurrent loans to loans | 0.8168% | 4,552 |
| Net loans and leases to total assets | 79.8226% | 491 |
| Net loans and leases to deposits | 92.3831% | 883 |
| Net loans and leases to core deposits | 105.2501% | 724 |
| Total domestic deposits to total assets | 86.4039% | 3,152 |
| Equity capital to assets | 8.4573% | 6,078 |
| Core capital (leverage) ratio | 8.3365% | 5,845 |
| Tier 1 risk-based capital ratio | 10.8988% | 6,386 |
| Total risk-based capital ratio | 12.1494% | 6,355 |
| Memoranda: | ||
| Average total assets | $196,290,600 | 3,091 |
| Average earning assets | $174,396,000 | 3,171 |
| Average equity | $16,422,000 | 3,721 |
| Average total loans | $156,709,200 | 2,476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5547% | 132 |
| Cost of funding earning assets | 0.6940% | 3,825 |
| Net interest margin | 5.8607% | 106 |
| Noninterest income to average assets | 1.0241% | 1,443 |
| Noninterest expense to average assets | 4.2085% | 712 |
| Loan and lease loss provision to assets | 0.1520% | 3,637 |
| Net operating income to assets | 1.8719% | 491 |
| Return on assets (ROA) | 1.8719% | 565 |
| Pretax return on assets | 1.8719% | 919 |
| Return on Equity (ROE) | 22.4335% | 216 |
| Retained earnings to average equity (ytd only) | 3.3193% | 4,536 |
| Net charge-offs to loans | 0.0636% | 4,785 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 39.9457% | 883 |
| Efficiency ratio | 67.5266% | 4,170 |
| Assets per employee ($millions) | 2.8392% | 6,309 |
| Cash dividends to net income (ytd only)* | 85.2040% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 5,453 |
| Loan loss allowance to noncurrent loans | 105.7681% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5553% | 3,257 |
| Noncurrent loans to loans | 1.1020% | 4,223 |
| Net loans and leases to total assets | 80.1619% | 495 |
| Net loans and leases to deposits | 92.9441% | 878 |
| Net loans and leases to core deposits | 105.4419% | 769 |
| Total domestic deposits to total assets | 86.2475% | 3,118 |
| Equity capital to assets | 8.4510% | 6,304 |
| Core capital (leverage) ratio | 8.2985% | 6,012 |
| Tier 1 risk-based capital ratio | 10.9124% | 6,515 |
| Total risk-based capital ratio | 12.1527% | 6,501 |
| Memoranda: | ||
| Average total assets | $197,375,250 | 3,113 |
| Average earning assets | $175,400,750 | 3,190 |
| Average equity | $16,469,000 | 3,742 |
| Average total loans | $157,109,250 | 2,494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4872% | 147 |
| Cost of funding earning assets | 0.7065% | 3,962 |
| Net interest margin | 5.7807% | 117 |
| Noninterest income to average assets | 0.9987% | 1,469 |
| Noninterest expense to average assets | 4.1938% | 733 |
| Loan and lease loss provision to assets | 0.1516% | 3,630 |
| Net operating income to assets | 1.7891% | 578 |
| Return on assets (ROA) | 1.7891% | 646 |
| Pretax return on assets | 1.7891% | 1,065 |
| Return on Equity (ROE) | 21.5328% | 266 |
| Retained earnings to average equity (ytd only) | 8.0292% | 1,627 |
| Net charge-offs to loans | 0.0664% | 4,500 |
| Credit loss provision to net charge-offs | 288.4615% | 1,014 |
| Earnings coverage of net charge-offs (x) | 36.9231% | 932 |
| Efficiency ratio | 68.3638% | 4,059 |
| Assets per employee ($millions) | 2.9000% | 6,237 |
| Cash dividends to net income (ytd only)* | 62.7119% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,701 |
| Loan loss allowance to noncurrent loans | 74.6269% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.8731% | 2,941 |
| Noncurrent loans to loans | 1.5005% | 3,654 |
| Net loans and leases to total assets | 79.4339% | 569 |
| Net loans and leases to deposits | 91.9455% | 958 |
| Net loans and leases to core deposits | 104.0985% | 852 |
| Total domestic deposits to total assets | 86.3924% | 3,146 |
| Equity capital to assets | 8.4043% | 6,300 |
| Core capital (leverage) ratio | 8.3221% | 5,878 |
| Tier 1 risk-based capital ratio | 10.8506% | 6,559 |
| Total risk-based capital ratio | 12.0311% | 6,576 |
| Memoranda: | ||
| Average total assets | $197,865,000 | 3,106 |
| Average earning assets | $175,792,670 | 3,192 |
| Average equity | $16,440,000 | 3,739 |
| Average total loans | $156,514,330 | 2,512 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4442% | 170 |
| Cost of funding earning assets | 0.7265% | 4,058 |
| Net interest margin | 5.7178% | 136 |
| Noninterest income to average assets | 0.9799% | 1,480 |
| Noninterest expense to average assets | 4.1780% | 762 |
| Loan and lease loss provision to assets | 0.1525% | 3,468 |
| Net operating income to assets | 1.7220% | 694 |
| Return on assets (ROA) | 1.7220% | 773 |
| Pretax return on assets | 1.7220% | 1,249 |
| Return on Equity (ROE) | 20.8473% | 326 |
| Retained earnings to average equity (ytd only) | 7.0886% | 2,387 |
| Net charge-offs to loans | 0.0311% | 4,249 |
| Credit loss provision to net charge-offs | 625.0000% | 547 |
| Earnings coverage of net charge-offs (x) | 76.8333% | 438 |
| Efficiency ratio | 69.0292% | 3,977 |
| Assets per employee ($millions) | 2.9033% | 6,349 |
| Cash dividends to net income (ytd only)* | 65.9976% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 5,710 |
| Loan loss allowance to noncurrent loans | 146.1093% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 3,996 |
| Noncurrent loans to loans | 0.7875% | 5,095 |
| Net loans and leases to total assets | 74.6088% | 972 |
| Net loans and leases to deposits | 85.8361% | 1,442 |
| Net loans and leases to core deposits | 95.7918% | 1,314 |
| Total domestic deposits to total assets | 86.9201% | 3,002 |
| Equity capital to assets | 8.0638% | 6,475 |
| Core capital (leverage) ratio | 8.0955% | 6,166 |
| Tier 1 risk-based capital ratio | 11.1834% | 6,456 |
| Total risk-based capital ratio | 12.4039% | 6,450 |
| Memoranda: | ||
| Average total assets | $196,747,000 | 3,149 |
| Average earning assets | $174,544,000 | 3,229 |
| Average equity | $16,251,500 | 3,774 |
| Average total loans | $154,397,500 | 2,565 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8317% | 118 |
| Cost of funding earning assets | 0.8395% | 4,549 |
| Net interest margin | 5.9923% | 91 |
| Noninterest income to average assets | 0.9704% | 1,448 |
| Noninterest expense to average assets | 4.3899% | 653 |
| Loan and lease loss provision to assets | 0.0855% | 5,532 |
| Net operating income to assets | 1.7652% | 494 |
| Return on assets (ROA) | 1.7921% | 504 |
| Pretax return on assets | 1.7921% | 812 |
| Return on Equity (ROE) | 21.4552% | 204 |
| Retained earnings to average equity (ytd only) | 0.9304% | 5,426 |
| Net charge-offs to loans | 0.1604% | 4,862 |
| Credit loss provision to net charge-offs | 68.1818% | 4,923 |
| Earnings coverage of net charge-offs (x) | 14.7603% | 1,434 |
| Efficiency ratio | 70.3445% | 3,877 |
| Assets per employee ($millions) | 2.6426% | 6,669 |
| Cash dividends to net income (ytd only)* | 95.6635% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,833 |
| Loan loss allowance to noncurrent loans | 158.9169% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2987% | 4,045 |
| Noncurrent loans to loans | 0.6892% | 5,323 |
| Net loans and leases to total assets | 80.7827% | 421 |
| Net loans and leases to deposits | 93.8661% | 821 |
| Net loans and leases to core deposits | 105.4053% | 823 |
| Total domestic deposits to total assets | 86.0616% | 3,287 |
| Equity capital to assets | 8.4697% | 6,181 |
| Core capital (leverage) ratio | 8.3672% | 5,755 |
| Tier 1 risk-based capital ratio | 10.9132% | 6,494 |
| Total risk-based capital ratio | 12.0825% | 6,523 |
| Memoranda: | ||
| Average total assets | $193,010,000 | 3,142 |
| Average earning assets | $169,752,200 | 3,249 |
| Average equity | $16,122,000 | 3,705 |
| Average total loans | $150,909,800 | 2,632 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7841% | 134 |
| Cost of funding earning assets | 0.8565% | 4,723 |
| Net interest margin | 5.9276% | 98 |
| Noninterest income to average assets | 0.9375% | 1,524 |
| Noninterest expense to average assets | 4.3455% | 677 |
| Loan and lease loss provision to assets | 0.0620% | 5,672 |
| Net operating income to assets | 1.7367% | 581 |
| Return on assets (ROA) | 1.7725% | 597 |
| Pretax return on assets | 1.7725% | 1,007 |
| Return on Equity (ROE) | 21.2931% | 245 |
| Retained earnings to average equity (ytd only) | 3.8534% | 3,985 |
| Net charge-offs to loans | 0.0249% | 5,794 |
| Credit loss provision to net charge-offs | 321.4286% | 871 |
| Earnings coverage of net charge-offs (x) | 93.3274% | 383 |
| Efficiency ratio | 70.7260% | 3,804 |
| Assets per employee ($millions) | 2.6451% | 6,729 |
| Cash dividends to net income (ytd only)* | 81.9029% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 5,550 |
| Loan loss allowance to noncurrent loans | 145.1893% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 3,892 |
| Noncurrent loans to loans | 0.8132% | 5,241 |
| Net loans and leases to total assets | 80.9069% | 430 |
| Net loans and leases to deposits | 94.4889% | 796 |
| Net loans and leases to core deposits | 109.0961% | 719 |
| Total domestic deposits to total assets | 85.6258% | 3,428 |
| Equity capital to assets | 8.6439% | 6,150 |
| Core capital (leverage) ratio | 8.4302% | 5,807 |
| Tier 1 risk-based capital ratio | 10.9554% | 6,570 |
| Total risk-based capital ratio | 12.2002% | 6,547 |
| Memoranda: | ||
| Average total assets | $193,696,000 | 3,151 |
| Average earning assets | $170,138,750 | 3,249 |
| Average equity | $16,123,750 | 3,715 |
| Average total loans | $149,786,250 | 2,664 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6783% | 167 |
| Cost of funding earning assets | 0.8730% | 4,877 |
| Net interest margin | 5.8053% | 109 |
| Noninterest income to average assets | 0.8789% | 1,719 |
| Noninterest expense to average assets | 4.3218% | 729 |
| Loan and lease loss provision to assets | 0.0616% | 5,533 |
| Net operating income to assets | 1.5895% | 745 |
| Return on assets (ROA) | 1.5895% | 790 |
| Pretax return on assets | 1.5895% | 1,274 |
| Return on Equity (ROE) | 19.3367% | 358 |
| Retained earnings to average equity (ytd only) | 6.5955% | 2,085 |
| Net charge-offs to loans | 0.0284% | 5,435 |
| Credit loss provision to net charge-offs | 285.7143% | 1,066 |
| Earnings coverage of net charge-offs (x) | 76.5714% | 447 |
| Efficiency ratio | 72.3569% | 3,661 |
| Assets per employee ($millions) | 2.7064% | 6,634 |
| Cash dividends to net income (ytd only)* | 65.8915% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,568 |
| Loan loss allowance to noncurrent loans | 118.9012% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.5504% | 3,870 |
| Noncurrent loans to loans | 1.0049% | 4,987 |
| Net loans and leases to total assets | 75.0635% | 1,234 |
| Net loans and leases to deposits | 86.9778% | 1,650 |
| Net loans and leases to core deposits | 102.6065% | 1,142 |
| Total domestic deposits to total assets | 86.3020% | 3,156 |
| Equity capital to assets | 8.2855% | 6,440 |
| Core capital (leverage) ratio | 8.0637% | 6,215 |
| Tier 1 risk-based capital ratio | 11.1087% | 6,442 |
| Total risk-based capital ratio | 12.3505% | 6,439 |
| Memoranda: | ||
| Average total assets | $194,779,330 | 3,155 |
| Average earning assets | $170,911,330 | 3,261 |
| Average equity | $16,011,000 | 3,732 |
| Average total loans | $147,740,000 | 2,723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7596% | 148 |
| Cost of funding earning assets | 0.9010% | 4,915 |
| Net interest margin | 5.8586% | 110 |
| Noninterest income to average assets | 0.9269% | 1,558 |
| Noninterest expense to average assets | 4.4785% | 603 |
| Loan and lease loss provision to assets | 0.1250% | 4,436 |
| Net operating income to assets | 1.4435% | 1,000 |
| Return on assets (ROA) | 1.4435% | 1,038 |
| Pretax return on assets | 1.4435% | 1,615 |
| Return on Equity (ROE) | 17.6341% | 511 |
| Retained earnings to average equity (ytd only) | 4.1223% | 3,693 |
| Net charge-offs to loans | -0.0027% | 6,192 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0613% | 3,503 |
| Assets per employee ($millions) | 2.8300% | 6,475 |
| Cash dividends to net income (ytd only)* | 76.6234% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 5,348 |
| Loan loss allowance to noncurrent loans | 112.5382% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.9965% | 3,323 |
| Noncurrent loans to loans | 1.1179% | 4,837 |
| Net loans and leases to total assets | 70.8757% | 1,954 |
| Net loans and leases to deposits | 81.7935% | 2,398 |
| Net loans and leases to core deposits | 92.6718% | 2,052 |
| Total domestic deposits to total assets | 86.6520% | 3,148 |
| Equity capital to assets | 7.9510% | 6,543 |
| Core capital (leverage) ratio | 8.0166% | 6,233 |
| Tier 1 risk-based capital ratio | 11.0272% | 6,495 |
| Total risk-based capital ratio | 12.2778% | 6,474 |
| Memoranda: | ||
| Average total assets | $192,030,500 | 3,222 |
| Average earning assets | $167,821,000 | 3,332 |
| Average equity | $15,719,500 | 3,774 |
| Average total loans | $145,533,500 | 2,780 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0870% | 132 |
| Cost of funding earning assets | 1.1556% | 4,817 |
| Net interest margin | 5.9313% | 104 |
| Noninterest income to average assets | 1.0080% | 1,478 |
| Noninterest expense to average assets | 4.2801% | 830 |
| Loan and lease loss provision to assets | 0.1416% | 5,765 |
| Net operating income to assets | 1.7464% | 468 |
| Return on assets (ROA) | 1.7464% | 512 |
| Pretax return on assets | 1.7464% | 860 |
| Return on Equity (ROE) | 21.3374% | 185 |
| Retained earnings to average equity (ytd only) | -7.2086% | 6,469 |
| Net charge-offs to loans | 0.1184% | 5,701 |
| Credit loss provision to net charge-offs | 152.5424% | 2,345 |
| Earnings coverage of net charge-offs (x) | 20.3390% | 1,009 |
| Efficiency ratio | 69.3904% | 4,299 |
| Assets per employee ($millions) | 2.4699% | 7,051 |
| Cash dividends to net income (ytd only)* | 133.7838% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 5,374 |
| Loan loss allowance to noncurrent loans | 142.4339% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 2.1553% | 3,150 |
| Noncurrent loans to loans | 0.8625% | 5,343 |
| Net loans and leases to total assets | 79.3295% | 753 |
| Net loans and leases to deposits | 92.9056% | 1,151 |
| Net loans and leases to core deposits | 107.7950% | 1,068 |
| Total domestic deposits to total assets | 85.3871% | 3,670 |
| Equity capital to assets | 8.4515% | 5,921 |
| Core capital (leverage) ratio | 8.1171% | 5,981 |
| Tier 1 risk-based capital ratio | 10.5966% | 6,638 |
| Total risk-based capital ratio | 11.8467% | 6,608 |
| Memoranda: | ||
| Average total assets | $190,673,600 | 3,219 |
| Average earning assets | $165,881,800 | 3,351 |
| Average equity | $15,606,400 | 3,838 |
| Average total loans | $149,436,800 | 2,782 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0377% | 141 |
| Cost of funding earning assets | 1.1979% | 4,874 |
| Net interest margin | 5.8398% | 110 |
| Noninterest income to average assets | 0.9803% | 1,522 |
| Noninterest expense to average assets | 4.2200% | 807 |
| Loan and lease loss provision to assets | 0.1449% | 5,586 |
| Net operating income to assets | 1.7040% | 618 |
| Return on assets (ROA) | 1.7040% | 670 |
| Pretax return on assets | 1.7040% | 1,111 |
| Return on Equity (ROE) | 20.9781% | 256 |
| Retained earnings to average equity (ytd only) | -3.1679% | 6,374 |
| Net charge-offs to loans | 0.1142% | 5,395 |
| Credit loss provision to net charge-offs | 162.7907% | 2,312 |
| Earnings coverage of net charge-offs (x) | 20.7747% | 1,153 |
| Efficiency ratio | 69.5351% | 4,167 |
| Assets per employee ($millions) | 2.8305% | 6,530 |
| Cash dividends to net income (ytd only)* | 115.1012% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,347 |
| Loan loss allowance to noncurrent loans | 146.2748% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 1.9119% | 3,594 |
| Noncurrent loans to loans | 0.8404% | 5,539 |
| Net loans and leases to total assets | 72.6987% | 2,077 |
| Net loans and leases to deposits | 85.0502% | 2,513 |
| Net loans and leases to core deposits | 100.7479% | 1,774 |
| Total domestic deposits to total assets | 85.4774% | 3,363 |
| Equity capital to assets | 8.2232% | 6,588 |
| Core capital (leverage) ratio | 8.0247% | 6,313 |
| Tier 1 risk-based capital ratio | 11.2741% | 6,125 |
| Total risk-based capital ratio | 12.5246% | 6,119 |
| Memoranda: | ||
| Average total assets | $193,267,000 | 3,233 |
| Average earning assets | $168,403,000 | 3,350 |
| Average equity | $15,698,500 | 3,859 |
| Average total loans | $150,593,500 | 2,801 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1631% | 128 |
| Cost of funding earning assets | 1.2317% | 4,950 |
| Net interest margin | 5.9314% | 99 |
| Noninterest income to average assets | 1.0239% | 1,302 |
| Noninterest expense to average assets | 4.1415% | 871 |
| Loan and lease loss provision to assets | 0.1246% | 5,641 |
| Net operating income to assets | 1.9337% | 371 |
| Return on assets (ROA) | 1.9337% | 410 |
| Pretax return on assets | 1.9337% | 695 |
| Return on Equity (ROE) | 23.9055% | 153 |
| Retained earnings to average equity (ytd only) | 5.5848% | 2,565 |
| Net charge-offs to loans | 0.0615% | 5,528 |
| Credit loss provision to net charge-offs | 255.3191% | 1,496 |
| Earnings coverage of net charge-offs (x) | 42.1702% | 693 |
| Efficiency ratio | 66.8007% | 4,820 |
| Assets per employee ($millions) | 2.8289% | 6,511 |
| Cash dividends to net income (ytd only)* | 76.6380% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,474 |
| Loan loss allowance to noncurrent loans | 132.9554% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 2.1384% | 3,330 |
| Noncurrent loans to loans | 0.9000% | 5,475 |
| Net loans and leases to total assets | 74.4078% | 1,825 |
| Net loans and leases to deposits | 86.9657% | 2,346 |
| Net loans and leases to core deposits | 106.7110% | 1,389 |
| Total domestic deposits to total assets | 85.5599% | 3,338 |
| Equity capital to assets | 8.2257% | 6,508 |
| Core capital (leverage) ratio | 8.0029% | 6,273 |
| Tier 1 risk-based capital ratio | 10.9773% | 6,257 |
| Total risk-based capital ratio | 12.2115% | 6,268 |
| Memoranda: | ||
| Average total assets | $192,588,670 | 3,270 |
| Average earning assets | $168,055,000 | 3,373 |
| Average equity | $15,578,000 | 3,876 |
| Average total loans | $152,875,000 | 2,785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0888% | 151 |
| Cost of funding earning assets | 1.2884% | 4,882 |
| Net interest margin | 5.8004% | 129 |
| Noninterest income to average assets | 1.0455% | 1,169 |
| Noninterest expense to average assets | 4.1927% | 819 |
| Loan and lease loss provision to assets | 0.1255% | 5,324 |
| Net operating income to assets | 1.7921% | 507 |
| Return on assets (ROA) | 1.7921% | 554 |
| Pretax return on assets | 1.7921% | 890 |
| Return on Equity (ROE) | 22.3483% | 260 |
| Retained earnings to average equity (ytd only) | 9.8051% | 1,186 |
| Net charge-offs to loans | 0.0436% | 4,985 |
| Credit loss provision to net charge-offs | 352.9412% | 1,146 |
| Earnings coverage of net charge-offs (x) | 53.9412% | 539 |
| Efficiency ratio | 68.6174% | 4,600 |
| Assets per employee ($millions) | 2.7778% | 6,702 |
| Cash dividends to net income (ytd only)* | 56.1260% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 5,852 |
| Loan loss allowance to noncurrent loans | 71.9817% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.8795% | 2,499 |
| Noncurrent loans to loans | 1.5730% | 4,383 |
| Net loans and leases to total assets | 77.6433% | 1,214 |
| Net loans and leases to deposits | 90.4392% | 1,838 |
| Net loans and leases to core deposits | 109.4151% | 1,322 |
| Total domestic deposits to total assets | 85.8514% | 3,230 |
| Equity capital to assets | 7.9890% | 6,667 |
| Core capital (leverage) ratio | 7.4952% | 6,857 |
| Tier 1 risk-based capital ratio | 10.3080% | 6,803 |
| Total risk-based capital ratio | 11.4855% | 6,852 |
| Memoranda: | ||
| Average total assets | $191,287,000 | 3,350 |
| Average earning assets | $167,023,000 | 3,446 |
| Average equity | $15,339,000 | 3,953 |
| Average total loans | $155,814,000 | 2,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4620% | 138 |
| Cost of funding earning assets | 1.5794% | 5,133 |
| Net interest margin | 5.8826% | 125 |
| Noninterest income to average assets | 1.4632% | 669 |
| Noninterest expense to average assets | 4.3127% | 974 |
| Loan and lease loss provision to assets | 0.4431% | 4,168 |
| Net operating income to assets | 1.8174% | 346 |
| Return on assets (ROA) | 1.8218% | 353 |
| Pretax return on assets | 1.8218% | 607 |
| Return on Equity (ROE) | 23.7697% | 112 |
| Retained earnings to average equity (ytd only) | 16.3295% | 72 |
| Net charge-offs to loans | 0.4146% | 4,151 |
| Credit loss provision to net charge-offs | 131.2602% | 3,862 |
| Earnings coverage of net charge-offs (x) | 6.6956% | 2,311 |
| Efficiency ratio | 65.6103% | 5,471 |
| Assets per employee ($millions) | 2.5084% | 7,193 |
| Cash dividends to net income (ytd only)* | 31.3012% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 6,084 |
| Loan loss allowance to noncurrent loans | 65.4757% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 2.8012% | 2,498 |
| Noncurrent loans to loans | 1.6202% | 4,218 |
| Net loans and leases to total assets | 83.5806% | 483 |
| Net loans and leases to deposits | 101.8915% | 758 |
| Net loans and leases to core deposits | 147.2129% | 579 |
| Total domestic deposits to total assets | 82.0290% | 4,936 |
| Equity capital to assets | 8.0497% | 6,527 |
| Core capital (leverage) ratio | 7.8399% | 6,404 |
| Tier 1 risk-based capital ratio | 9.9570% | 6,910 |
| Total risk-based capital ratio | 11.0944% | 6,972 |
| Memoranda: | ||
| Average total assets | $180,977,400 | 3,421 |
| Average earning assets | $157,209,400 | 3,575 |
| Average equity | $13,870,600 | 4,292 |
| Average total loans | $147,360,200 | 2,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4833% | 151 |
| Cost of funding earning assets | 1.6236% | 5,291 |
| Net interest margin | 5.8597% | 125 |
| Noninterest income to average assets | 1.5216% | 640 |
| Noninterest expense to average assets | 4.2412% | 988 |
| Loan and lease loss provision to assets | 0.2850% | 4,696 |
| Net operating income to assets | 2.0708% | 248 |
| Return on assets (ROA) | 2.0767% | 274 |
| Pretax return on assets | 2.0767% | 468 |
| Return on Equity (ROE) | 27.4585% | 85 |
| Retained earnings to average equity (ytd only) | 17.3054% | 100 |
| Net charge-offs to loans | 0.2104% | 4,720 |
| Credit loss provision to net charge-offs | 167.9825% | 2,785 |
| Earnings coverage of net charge-offs (x) | 13.8861% | 1,643 |
| Efficiency ratio | 64.2905% | 5,689 |
| Assets per employee ($millions) | 2.4986% | 7,228 |
| Cash dividends to net income (ytd only)* | 36.9761% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,979 |
| Loan loss allowance to noncurrent loans | 47.9930% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.3618% | 2,914 |
| Noncurrent loans to loans | 2.1997% | 3,378 |
| Net loans and leases to total assets | 83.6376% | 585 |
| Net loans and leases to deposits | 100.4926% | 1,064 |
| Net loans and leases to core deposits | 142.7418% | 808 |
| Total domestic deposits to total assets | 83.2276% | 4,100 |
| Equity capital to assets | 7.9135% | 6,928 |
| Core capital (leverage) ratio | 7.7902% | 6,619 |
| Tier 1 risk-based capital ratio | 9.9035% | 7,056 |
| Total risk-based capital ratio | 11.0499% | 7,103 |
| Memoranda: | ||
| Average total assets | $179,189,000 | 3,479 |
| Average earning assets | $155,204,250 | 3,635 |
| Average equity | $13,552,250 | 4,404 |
| Average total loans | $144,468,500 | 3,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4076% | 177 |
| Cost of funding earning assets | 1.6864% | 5,337 |
| Net interest margin | 5.7212% | 136 |
| Noninterest income to average assets | 1.5873% | 595 |
| Noninterest expense to average assets | 4.1887% | 1,087 |
| Loan and lease loss provision to assets | 0.2707% | 4,412 |
| Net operating income to assets | 2.0419% | 269 |
| Return on assets (ROA) | 2.0419% | 292 |
| Pretax return on assets | 2.0419% | 508 |
| Return on Equity (ROE) | 27.4402% | 98 |
| Retained earnings to average equity (ytd only) | 15.9941% | 159 |
| Net charge-offs to loans | 0.2505% | 3,949 |
| Credit loss provision to net charge-offs | 136.3636% | 3,422 |
| Earnings coverage of net charge-offs (x) | 11.6477% | 1,883 |
| Efficiency ratio | 64.4282% | 5,820 |
| Assets per employee ($millions) | 2.5324% | 7,188 |
| Cash dividends to net income (ytd only)* | 41.7127% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 5,847 |
| Loan loss allowance to noncurrent loans | 44.1893% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 2,798 |
| Noncurrent loans to loans | 2.3952% | 3,014 |
| Net loans and leases to total assets | 79.9260% | 1,327 |
| Net loans and leases to deposits | 95.8915% | 1,816 |
| Net loans and leases to core deposits | 128.2071% | 1,696 |
| Total domestic deposits to total assets | 83.3504% | 4,090 |
| Equity capital to assets | 7.6041% | 7,174 |
| Core capital (leverage) ratio | 7.4572% | 7,073 |
| Tier 1 risk-based capital ratio | 9.6878% | 7,241 |
| Total risk-based capital ratio | 10.8023% | 7,304 |
| Memoranda: | ||
| Average total assets | $177,285,670 | 3,520 |
| Average earning assets | $152,275,670 | 3,702 |
| Average equity | $13,192,330 | 4,496 |
| Average total loans | $140,526,330 | 3,134 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5032% | 166 |
| Cost of funding earning assets | 1.7834% | 5,192 |
| Net interest margin | 5.7198% | 134 |
| Noninterest income to average assets | 1.7693% | 435 |
| Noninterest expense to average assets | 4.1039% | 1,057 |
| Loan and lease loss provision to assets | 0.3548% | 3,191 |
| Net operating income to assets | 2.1263% | 265 |
| Return on assets (ROA) | 2.1263% | 310 |
| Pretax return on assets | 2.1263% | 512 |
| Return on Equity (ROE) | 28.9048% | 115 |
| Retained earnings to average equity (ytd only) | 22.7131% | 116 |
| Net charge-offs to loans | 0.3967% | 2,510 |
| Credit loss provision to net charge-offs | 113.9706% | 3,409 |
| Earnings coverage of net charge-offs (x) | 7.9706% | 2,259 |
| Efficiency ratio | 62.3219% | 5,997 |
| Assets per employee ($millions) | 2.6567% | 6,965 |
| Cash dividends to net income (ytd only)* | 21.4209% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 5,595 |
| Loan loss allowance to noncurrent loans | 66.6373% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 3,547 |
| Noncurrent loans to loans | 1.6250% | 3,839 |
| Net loans and leases to total assets | 74.3676% | 2,659 |
| Net loans and leases to deposits | 88.5185% | 3,194 |
| Net loans and leases to core deposits | 114.4002% | 2,971 |
| Total domestic deposits to total assets | 84.0137% | 3,696 |
| Equity capital to assets | 7.3188% | 7,481 |
| Core capital (leverage) ratio | 7.4547% | 7,207 |
| Tier 1 risk-based capital ratio | 10.0694% | 6,836 |
| Total risk-based capital ratio | 11.2222% | 6,857 |
| Memoranda: | ||
| Average total assets | $174,761,000 | 3,580 |
| Average earning assets | $147,138,000 | 3,808 |
| Average equity | $12,856,000 | 4,612 |
| Average total loans | $137,143,500 | 3,222 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9646% | 202 |
| Cost of funding earning assets | 2.4113% | 4,669 |
| Net interest margin | 5.5532% | 192 |
| Noninterest income to average assets | 1.4595% | 664 |
| Noninterest expense to average assets | 3.8589% | 1,643 |
| Loan and lease loss provision to assets | 0.3048% | 3,936 |
| Net operating income to assets | 2.2016% | 239 |
| Return on assets (ROA) | 2.2016% | 234 |
| Pretax return on assets | 2.2016% | 397 |
| Return on Equity (ROE) | 29.9273% | 61 |
| Retained earnings to average equity (ytd only) | 5.0814% | 1,976 |
| Net charge-offs to loans | 0.2196% | 4,030 |
| Credit loss provision to net charge-offs | 170.1031% | 3,011 |
| Earnings coverage of net charge-offs (x) | 13.9863% | 2,086 |
| Efficiency ratio | 60.6231% | 6,239 |
| Assets per employee ($millions) | 2.3703% | 7,454 |
| Cash dividends to net income (ytd only)* | 83.0210% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,187 |
| Loan loss allowance to noncurrent loans | 46.9240% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 1.9743% | 2,491 |
| Noncurrent loans to loans | 2.3693% | 2,323 |
| Net loans and leases to total assets | 81.3054% | 1,359 |
| Net loans and leases to deposits | 100.2163% | 1,815 |
| Net loans and leases to core deposits | 126.8797% | 2,092 |
| Total domestic deposits to total assets | 81.1299% | 4,584 |
| Equity capital to assets | 7.3990% | 7,466 |
| Core capital (leverage) ratio | 7.1566% | 7,561 |
| Tier 1 risk-based capital ratio | 9.1082% | 7,710 |
| Total risk-based capital ratio | 10.2711% | 7,756 |
| Memoranda: | ||
| Average total assets | $162,379,400 | 3,681 |
| Average earning assets | $143,447,600 | 3,773 |
| Average equity | $11,945,600 | 4,842 |
| Average total loans | $132,497,200 | 3,229 |