Home > The First Citizens National Bank of Upper Sandusky > Performance and Condition Ratios
The First Citizens National Bank of Upper Sandusky, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 3,615 |
| Cost of funding earning assets | 0.5675% | 4,120 |
| Net interest margin | 3.6368% | 1,885 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.0016% | 1,124 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6431% | 3,331 |
| Return on assets (ROA) | 0.6505% | 3,291 |
| Pretax return on assets | 0.7542% | 3,327 |
| Return on Equity (ROE) | 6.9800% | 3,291 |
| Retained earnings to average equity (ytd only) | 4.7962% | 2,675 |
| Net charge-offs to loans | -0.0103% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 79.7290% | 932 |
| Assets per employee ($millions) | 5.2835% | 3,406 |
| Cash dividends to net income (ytd only)* | 31.2891% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 2,630 |
| Loan loss allowance to noncurrent loans | 984.6457% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,126 |
| Noncurrent loans to loans | 0.1152% | 2,948 |
| Net loans and leases to total assets | 57.3300% | 3,094 |
| Net loans and leases to deposits | 71.5808% | 2,780 |
| Net loans and leases to core deposits | 75.1812% | 3,020 |
| Total domestic deposits to total assets | 80.0900% | 3,448 |
| Equity capital to assets | 9.7389% | 2,168 |
| Core capital (leverage) ratio | 11.7677% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $368,475,200 | 2,121 |
| Average earning assets | $334,274,200 | 2,158 |
| Average equity | $34,339,800 | 2,083 |
| Average total loans | $214,450,200 | 2,196 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,591 |
| Cost of funding earning assets | 0.4455% | 4,207 |
| Net interest margin | 3.6910% | 1,796 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.9319% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7514% | 3,166 |
| Return on assets (ROA) | 0.7570% | 3,140 |
| Pretax return on assets | 0.8876% | 3,133 |
| Return on Equity (ROE) | 8.2200% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.0085% | 2,632 |
| Net charge-offs to loans | -0.0100% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.8944% | 1,102 |
| Assets per employee ($millions) | 5.1675% | 3,459 |
| Cash dividends to net income (ytd only)* | 26.8916% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 2,724 |
| Loan loss allowance to noncurrent loans | 944.0154% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,136 |
| Noncurrent loans to loans | 0.1198% | 2,966 |
| Net loans and leases to total assets | 58.2600% | 3,010 |
| Net loans and leases to deposits | 71.3403% | 2,755 |
| Net loans and leases to core deposits | 75.1632% | 2,920 |
| Total domestic deposits to total assets | 81.6700% | 3,276 |
| Equity capital to assets | 8.7721% | 2,551 |
| Core capital (leverage) ratio | 11.9053% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $365,490,500 | 2,135 |
| Average earning assets | $331,574,250 | 2,177 |
| Average equity | $33,662,750 | 2,098 |
| Average total loans | $212,918,000 | 2,212 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,566 |
| Cost of funding earning assets | 0.2799% | 4,343 |
| Net interest margin | 3.7815% | 1,661 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.9877% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7809% | 3,140 |
| Return on assets (ROA) | 0.7879% | 3,126 |
| Pretax return on assets | 0.9254% | 3,107 |
| Return on Equity (ROE) | 8.4200% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.2420% | 2,530 |
| Net charge-offs to loans | -0.0047% | 3,700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.5119% | 1,130 |
| Assets per employee ($millions) | 5.1118% | 3,494 |
| Cash dividends to net income (ytd only)* | 25.8693% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 2,742 |
| Loan loss allowance to noncurrent loans | 918.8679% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,056 |
| Noncurrent loans to loans | 0.1244% | 2,850 |
| Net loans and leases to total assets | 57.2200% | 3,028 |
| Net loans and leases to deposits | 69.6913% | 2,809 |
| Net loans and leases to core deposits | 70.5244% | 3,096 |
| Total domestic deposits to total assets | 82.1100% | 3,215 |
| Equity capital to assets | 9.3870% | 2,240 |
| Core capital (leverage) ratio | 12.0346% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $365,024,333 | 2,146 |
| Average earning assets | $331,558,667 | 2,181 |
| Average equity | $34,155,667 | 2,084 |
| Average total loans | $211,825,000 | 2,211 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,376 |
| Cost of funding earning assets | 0.1574% | 4,445 |
| Net interest margin | 3.8818% | 1,512 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 3.1317% | 890 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7529% | 3,338 |
| Return on assets (ROA) | 0.7604% | 3,270 |
| Pretax return on assets | 0.8913% | 3,262 |
| Return on Equity (ROE) | 8.1400% | 3,252 |
| Retained earnings to average equity (ytd only) | 5.9483% | 2,772 |
| Net charge-offs to loans | 0.0038% | 1,854 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 401.0000% | 275 |
| Efficiency ratio | 78.0154% | 1,002 |
| Assets per employee ($millions) | 5.3276% | 3,384 |
| Cash dividends to net income (ytd only)* | 26.9175% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,653 |
| Loan loss allowance to noncurrent loans | 965.6250% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,103 |
| Noncurrent loans to loans | 0.1224% | 2,902 |
| Net loans and leases to total assets | 56.2400% | 3,024 |
| Net loans and leases to deposits | 66.1194% | 2,924 |
| Net loans and leases to core deposits | 66.4471% | 3,192 |
| Total domestic deposits to total assets | 85.0600% | 2,844 |
| Equity capital to assets | 9.5372% | 2,113 |
| Core capital (leverage) ratio | 11.6416% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $363,511,000 | 2,183 |
| Average earning assets | $330,364,500 | 2,212 |
| Average equity | $33,959,000 | 2,127 |
| Average total loans | $211,220,000 | 2,231 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4391% | 3,239 |
| Cost of funding earning assets | 0.0270% | 4,615 |
| Net interest margin | 3.4121% | 2,214 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.9103% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5130% | 4,070 |
| Return on assets (ROA) | 0.5096% | 4,036 |
| Pretax return on assets | 0.5884% | 4,047 |
| Return on Equity (ROE) | 5.2900% | 3,968 |
| Retained earnings to average equity (ytd only) | 3.2245% | 3,658 |
| Net charge-offs to loans | -0.0126% | 3,906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.0917% | 535 |
| Assets per employee ($millions) | 5.6159% | 3,109 |
| Cash dividends to net income (ytd only)* | 39.0415% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,393 |
| Loan loss allowance to noncurrent loans | 979.3103% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,062 |
| Noncurrent loans to loans | 0.1224% | 2,909 |
| Net loans and leases to total assets | 58.6200% | 2,767 |
| Net loans and leases to deposits | 69.5777% | 2,620 |
| Net loans and leases to core deposits | 69.9919% | 2,870 |
| Total domestic deposits to total assets | 84.2400% | 3,155 |
| Equity capital to assets | 9.1423% | 2,270 |
| Core capital (leverage) ratio | 11.8378% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $364,397,400 | 2,161 |
| Average earning assets | $325,840,400 | 2,215 |
| Average equity | $35,106,600 | 2,106 |
| Average total loans | $197,896,200 | 2,241 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2121% | 3,406 |
| Cost of funding earning assets | 0.0225% | 4,657 |
| Net interest margin | 3.1896% | 2,655 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.7822% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4494% | 4,166 |
| Return on assets (ROA) | 0.4456% | 4,118 |
| Pretax return on assets | 0.5138% | 4,126 |
| Return on Equity (ROE) | 4.5700% | 4,065 |
| Retained earnings to average equity (ytd only) | 2.5568% | 3,904 |
| Net charge-offs to loans | -0.0158% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.3001% | 531 |
| Assets per employee ($millions) | 5.3834% | 3,342 |
| Cash dividends to net income (ytd only)* | 44.0262% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,186 |
| Loan loss allowance to noncurrent loans | 355.2156% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 2,271 |
| Noncurrent loans to loans | 0.3568% | 1,957 |
| Net loans and leases to total assets | 55.1600% | 2,989 |
| Net loans and leases to deposits | 62.9207% | 2,954 |
| Net loans and leases to core deposits | 63.3370% | 3,168 |
| Total domestic deposits to total assets | 87.6700% | 2,526 |
| Equity capital to assets | 8.3626% | 2,633 |
| Core capital (leverage) ratio | 11.4907% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $365,642,250 | 2,168 |
| Average earning assets | $325,632,500 | 2,225 |
| Average equity | $35,668,500 | 2,115 |
| Average total loans | $194,062,500 | 2,272 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0007% | 3,560 |
| Cost of funding earning assets | 0.0233% | 4,709 |
| Net interest margin | 2.9774% | 2,946 |
| Noninterest income to average assets | 0.4432% | 2,491 |
| Noninterest expense to average assets | 2.8092% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2564% | 4,354 |
| Return on assets (ROA) | 0.2499% | 4,324 |
| Pretax return on assets | 0.2734% | 4,332 |
| Return on Equity (ROE) | 2.4478% | 4,304 |
| Retained earnings to average equity (ytd only) | 0.5333% | 4,085 |
| Net charge-offs to loans | -0.0198% | 3,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9235% | 370 |
| Assets per employee ($millions) | 5.4194% | 3,304 |
| Cash dividends to net income (ytd only)* | 78.2135% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,328 |
| Loan loss allowance to noncurrent loans | 352.2099% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 2,355 |
| Noncurrent loans to loans | 0.3604% | 2,067 |
| Net loans and leases to total assets | 53.8200% | 2,981 |
| Net loans and leases to deposits | 61.2237% | 2,955 |
| Net loans and leases to core deposits | 61.6190% | 3,147 |
| Total domestic deposits to total assets | 87.9071% | 2,612 |
| Equity capital to assets | 9.1884% | 2,240 |
| Core capital (leverage) ratio | 11.2476% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $367,293,667 | 2,169 |
| Average earning assets | $326,460,667 | 2,243 |
| Average equity | $37,503,667 | 2,095 |
| Average total loans | $191,578,333 | 2,289 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8016% | 3,740 |
| Cost of funding earning assets | 0.0232% | 4,727 |
| Net interest margin | 2.7784% | 3,205 |
| Noninterest income to average assets | 0.4189% | 2,565 |
| Noninterest expense to average assets | 2.8024% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0949% | 4,475 |
| Return on assets (ROA) | 0.0905% | 4,453 |
| Pretax return on assets | 0.0905% | 4,454 |
| Return on Equity (ROE) | 0.8442% | 4,447 |
| Retained earnings to average equity (ytd only) | -0.9765% | 4,141 |
| Net charge-offs to loans | -0.0257% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7244% | 309 |
| Assets per employee ($millions) | 5.8281% | 2,969 |
| Cash dividends to net income (ytd only)* | 215.6627% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,023 |
| Loan loss allowance to noncurrent loans | 348.8340% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 2,479 |
| Noncurrent loans to loans | 0.3932% | 2,079 |
| Net loans and leases to total assets | 48.2741% | 3,356 |
| Net loans and leases to deposits | 55.3930% | 3,312 |
| Net loans and leases to core deposits | 55.7012% | 3,469 |
| Total domestic deposits to total assets | 87.1485% | 2,875 |
| Equity capital to assets | 9.8549% | 2,001 |
| Core capital (leverage) ratio | 11.5010% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,680,000 | 2,180 |
| Average earning assets | $327,100,000 | 2,254 |
| Average equity | $39,325,000 | 2,080 |
| Average total loans | $186,923,500 | 2,318 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0065% | 3,860 |
| Cost of funding earning assets | 0.0352% | 4,743 |
| Net interest margin | 2.9713% | 3,271 |
| Noninterest income to average assets | 0.5039% | 2,550 |
| Noninterest expense to average assets | 2.9174% | 1,119 |
| Loan and lease loss provision to assets | -0.0277% | 4,261 |
| Net operating income to assets | 0.2422% | 4,491 |
| Return on assets (ROA) | 0.2492% | 4,499 |
| Pretax return on assets | 0.2758% | 4,514 |
| Return on Equity (ROE) | 2.0594% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.3436% | 4,405 |
| Net charge-offs to loans | -0.0505% | 4,326 |
| Credit loss provision to net charge-offs | 104.3478% | 1,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3907% | 261 |
| Assets per employee ($millions) | 5.5396% | 3,226 |
| Cash dividends to net income (ytd only)* | 83.3140% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,172 |
| Loan loss allowance to noncurrent loans | 550.2174% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 3,029 |
| Noncurrent loans to loans | 0.2441% | 2,752 |
| Net loans and leases to total assets | 52.4345% | 3,008 |
| Net loans and leases to deposits | 61.9509% | 2,888 |
| Net loans and leases to core deposits | 62.4370% | 3,124 |
| Total domestic deposits to total assets | 84.6387% | 3,386 |
| Equity capital to assets | 11.6539% | 1,420 |
| Core capital (leverage) ratio | 11.9604% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,272,800 | 2,217 |
| Average earning assets | $309,260,400 | 2,286 |
| Average equity | $41,905,000 | 2,016 |
| Average total loans | $182,100,800 | 2,371 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0148% | 3,973 |
| Cost of funding earning assets | 0.0377% | 4,821 |
| Net interest margin | 2.9770% | 3,367 |
| Noninterest income to average assets | 0.5070% | 2,595 |
| Noninterest expense to average assets | 2.9268% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2187% | 4,611 |
| Return on assets (ROA) | 0.2258% | 4,628 |
| Pretax return on assets | 0.2460% | 4,632 |
| Return on Equity (ROE) | 1.8485% | 4,613 |
| Retained earnings to average equity (ytd only) | 0.1395% | 4,541 |
| Net charge-offs to loans | -0.0598% | 4,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4734% | 260 |
| Assets per employee ($millions) | 5.6023% | 3,098 |
| Cash dividends to net income (ytd only)* | 92.4528% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4175% | 1,954 |
| Loan loss allowance to noncurrent loans | 498.2857% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 3,119 |
| Noncurrent loans to loans | 0.2845% | 2,777 |
| Net loans and leases to total assets | 51.5490% | 3,244 |
| Net loans and leases to deposits | 61.2962% | 3,112 |
| Net loans and leases to core deposits | 61.7822% | 3,341 |
| Total domestic deposits to total assets | 84.0981% | 3,436 |
| Equity capital to assets | 11.9219% | 1,433 |
| Core capital (leverage) ratio | 12.0818% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,207,500 | 2,247 |
| Average earning assets | $307,323,000 | 2,322 |
| Average equity | $42,052,000 | 2,039 |
| Average total loans | $180,518,750 | 2,420 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0663% | 3,930 |
| Cost of funding earning assets | 0.0415% | 4,850 |
| Net interest margin | 3.0248% | 3,260 |
| Noninterest income to average assets | 0.5180% | 2,541 |
| Noninterest expense to average assets | 3.0589% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1502% | 4,665 |
| Return on assets (ROA) | 0.1576% | 4,683 |
| Pretax return on assets | 0.1606% | 4,693 |
| Return on Equity (ROE) | 1.2796% | 4,671 |
| Retained earnings to average equity (ytd only) | -0.4281% | 4,558 |
| Net charge-offs to loans | -0.0770% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2381% | 231 |
| Assets per employee ($millions) | 5.5579% | 3,060 |
| Cash dividends to net income (ytd only)* | 133.4572% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,668 |
| Loan loss allowance to noncurrent loans | 496.0000% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 3,262 |
| Noncurrent loans to loans | 0.2974% | 2,863 |
| Net loans and leases to total assets | 48.9035% | 3,653 |
| Net loans and leases to deposits | 58.0430% | 3,539 |
| Net loans and leases to core deposits | 58.5627% | 3,720 |
| Total domestic deposits to total assets | 84.2539% | 3,355 |
| Equity capital to assets | 11.7673% | 1,474 |
| Core capital (leverage) ratio | 12.0214% | 1,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $341,294,667 | 2,245 |
| Average earning assets | $303,949,000 | 2,329 |
| Average equity | $42,043,333 | 2,029 |
| Average total loans | $179,173,000 | 2,442 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1906% | 3,711 |
| Cost of funding earning assets | 0.0514% | 4,864 |
| Net interest margin | 3.1392% | 2,875 |
| Noninterest income to average assets | 0.4729% | 2,734 |
| Noninterest expense to average assets | 3.3093% | 597 |
| Loan and lease loss provision to assets | 0.0599% | 1,924 |
| Net operating income to assets | -0.1185% | 4,814 |
| Return on assets (ROA) | -0.1042% | 4,815 |
| Pretax return on assets | -0.1042% | 4,815 |
| Return on Equity (ROE) | -0.8259% | 4,821 |
| Retained earnings to average equity (ytd only) | -2.5346% | 4,573 |
| Net charge-offs to loans | -0.0155% | 3,874 |
| Credit loss provision to net charge-offs | -714.2857% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8048% | 174 |
| Assets per employee ($millions) | 5.2453% | 3,386 |
| Cash dividends to net income (ytd only)* | -206.8966% | 4,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,920 |
| Loan loss allowance to noncurrent loans | 493.7143% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 3,410 |
| Noncurrent loans to loans | 0.2852% | 3,081 |
| Net loans and leases to total assets | 52.4257% | 3,401 |
| Net loans and leases to deposits | 63.0161% | 3,220 |
| Net loans and leases to core deposits | 63.6180% | 3,449 |
| Total domestic deposits to total assets | 83.1941% | 3,638 |
| Equity capital to assets | 11.9719% | 1,303 |
| Core capital (leverage) ratio | 12.7203% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,088,500 | 2,265 |
| Average earning assets | $295,617,500 | 2,360 |
| Average equity | $42,136,500 | 2,018 |
| Average total loans | $180,481,000 | 2,434 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 3,127 |
| Cost of funding earning assets | 0.1886% | 4,621 |
| Net interest margin | 3.6756% | 1,888 |
| Noninterest income to average assets | 0.5637% | 2,356 |
| Noninterest expense to average assets | 3.1534% | 1,139 |
| Loan and lease loss provision to assets | 0.0164% | 4,172 |
| Net operating income to assets | 0.5632% | 3,861 |
| Return on assets (ROA) | 0.5621% | 3,966 |
| Pretax return on assets | 0.6243% | 4,029 |
| Return on Equity (ROE) | 4.0312% | 4,148 |
| Retained earnings to average equity (ytd only) | 2.3411% | 3,688 |
| Net charge-offs to loans | 0.1241% | 1,259 |
| Credit loss provision to net charge-offs | 21.9298% | 3,238 |
| Earnings coverage of net charge-offs (x) | 8.5921% | 2,591 |
| Efficiency ratio | 83.0844% | 687 |
| Assets per employee ($millions) | 4.9536% | 3,439 |
| Cash dividends to net income (ytd only)* | 41.9242% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,839 |
| Loan loss allowance to noncurrent loans | 443.9580% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 3,394 |
| Noncurrent loans to loans | 0.3228% | 3,049 |
| Net loans and leases to total assets | 54.1459% | 3,476 |
| Net loans and leases to deposits | 68.4815% | 3,032 |
| Net loans and leases to core deposits | 69.3693% | 3,295 |
| Total domestic deposits to total assets | 79.0664% | 4,195 |
| Equity capital to assets | 13.3010% | 998 |
| Core capital (leverage) ratio | 13.3565% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,127,400 | 2,272 |
| Average earning assets | $268,279,400 | 2,347 |
| Average equity | $42,543,600 | 1,921 |
| Average total loans | $183,749,600 | 2,379 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 3,037 |
| Cost of funding earning assets | 0.2108% | 4,630 |
| Net interest margin | 3.7668% | 1,718 |
| Noninterest income to average assets | 0.5082% | 2,582 |
| Noninterest expense to average assets | 3.0316% | 1,372 |
| Loan and lease loss provision to assets | 0.0223% | 4,047 |
| Net operating income to assets | 0.7412% | 3,312 |
| Return on assets (ROA) | 0.7373% | 3,431 |
| Pretax return on assets | 0.7594% | 3,753 |
| Return on Equity (ROE) | 5.2236% | 3,818 |
| Retained earnings to average equity (ytd only) | 3.5347% | 3,291 |
| Net charge-offs to loans | 0.0144% | 2,603 |
| Credit loss provision to net charge-offs | 250.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 88.6500% | 858 |
| Efficiency ratio | 79.4196% | 907 |
| Assets per employee ($millions) | 4.8125% | 3,475 |
| Cash dividends to net income (ytd only)* | 32.3317% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 1,421 |
| Loan loss allowance to noncurrent loans | 425.9317% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 3,395 |
| Noncurrent loans to loans | 0.3496% | 3,033 |
| Net loans and leases to total assets | 58.9240% | 3,333 |
| Net loans and leases to deposits | 75.0399% | 2,847 |
| Net loans and leases to core deposits | 75.9719% | 3,166 |
| Total domestic deposits to total assets | 78.5235% | 4,126 |
| Equity capital to assets | 14.0730% | 838 |
| Core capital (leverage) ratio | 13.7845% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,913,250 | 2,275 |
| Average earning assets | $264,341,250 | 2,352 |
| Average equity | $42,472,750 | 1,910 |
| Average total loans | $185,468,000 | 2,371 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 3,061 |
| Cost of funding earning assets | 0.2290% | 4,687 |
| Net interest margin | 3.8660% | 1,652 |
| Noninterest income to average assets | 0.4837% | 2,632 |
| Noninterest expense to average assets | 3.0407% | 1,482 |
| Loan and lease loss provision to assets | 0.0335% | 3,845 |
| Net operating income to assets | 0.6682% | 3,513 |
| Return on assets (ROA) | 0.6632% | 3,623 |
| Pretax return on assets | 0.7965% | 3,596 |
| Return on Equity (ROE) | 4.6939% | 3,918 |
| Retained earnings to average equity (ytd only) | 2.9918% | 3,397 |
| Net charge-offs to loans | 0.0344% | 2,049 |
| Credit loss provision to net charge-offs | 156.2500% | 2,097 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,264 |
| Efficiency ratio | 78.4344% | 1,012 |
| Assets per employee ($millions) | 4.7566% | 3,460 |
| Cash dividends to net income (ytd only)* | 36.2626% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,313 |
| Loan loss allowance to noncurrent loans | 422.7554% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,494 |
| Noncurrent loans to loans | 0.3507% | 3,142 |
| Net loans and leases to total assets | 58.6907% | 3,452 |
| Net loans and leases to deposits | 74.0977% | 3,070 |
| Net loans and leases to core deposits | 75.2487% | 3,351 |
| Total domestic deposits to total assets | 79.2073% | 4,000 |
| Equity capital to assets | 13.8719% | 883 |
| Core capital (leverage) ratio | 13.7848% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,550,333 | 2,264 |
| Average earning assets | $262,025,333 | 2,352 |
| Average equity | $42,182,000 | 1,914 |
| Average total loans | $185,880,667 | 2,350 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 3,243 |
| Cost of funding earning assets | 0.2438% | 4,786 |
| Net interest margin | 3.9477% | 1,537 |
| Noninterest income to average assets | 0.4761% | 2,674 |
| Noninterest expense to average assets | 3.2124% | 1,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6640% | 3,392 |
| Return on assets (ROA) | 0.6493% | 3,509 |
| Pretax return on assets | 0.7803% | 3,465 |
| Return on Equity (ROE) | 4.5519% | 3,802 |
| Retained earnings to average equity (ytd only) | 2.8306% | 3,151 |
| Net charge-offs to loans | -0.0257% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1020% | 1,130 |
| Assets per employee ($millions) | 4.1823% | 3,681 |
| Cash dividends to net income (ytd only)* | 37.8151% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,500 |
| Loan loss allowance to noncurrent loans | 420.5247% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,570 |
| Noncurrent loans to loans | 0.3467% | 3,246 |
| Net loans and leases to total assets | 63.8194% | 3,088 |
| Net loans and leases to deposits | 80.0574% | 2,672 |
| Net loans and leases to core deposits | 81.4712% | 3,066 |
| Total domestic deposits to total assets | 79.7170% | 3,907 |
| Equity capital to assets | 14.5375% | 882 |
| Core capital (leverage) ratio | 14.4912% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,235,500 | 2,247 |
| Average earning assets | $262,531,500 | 2,307 |
| Average equity | $41,828,500 | 1,913 |
| Average total loans | $186,725,500 | 2,294 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 3,664 |
| Cost of funding earning assets | 0.3246% | 4,669 |
| Net interest margin | 3.9301% | 2,072 |
| Noninterest income to average assets | 0.5308% | 2,575 |
| Noninterest expense to average assets | 3.1913% | 1,543 |
| Loan and lease loss provision to assets | 0.0343% | 3,325 |
| Net operating income to assets | 0.6965% | 3,878 |
| Return on assets (ROA) | 0.7066% | 3,914 |
| Pretax return on assets | 0.8460% | 3,890 |
| Return on Equity (ROE) | 5.0099% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.3253% | 3,347 |
| Net charge-offs to loans | -0.0054% | 4,361 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6113% | 1,079 |
| Assets per employee ($millions) | 4.3808% | 3,403 |
| Cash dividends to net income (ytd only)* | 33.6249% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 1,352 |
| Loan loss allowance to noncurrent loans | 418.0277% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 3,588 |
| Noncurrent loans to loans | 0.3479% | 3,200 |
| Net loans and leases to total assets | 61.7149% | 3,429 |
| Net loans and leases to deposits | 77.6100% | 3,048 |
| Net loans and leases to core deposits | 79.9048% | 3,297 |
| Total domestic deposits to total assets | 79.5192% | 4,071 |
| Equity capital to assets | 13.9999% | 1,101 |
| Core capital (leverage) ratio | 14.0282% | 921 |
| Tier 1 risk-based capital ratio | 21.2598% | 1,121 |
| Total risk-based capital ratio | 22.5115% | 1,101 |
| Memoranda: | ||
| Average total assets | $291,260,000 | 2,213 |
| Average earning assets | $261,521,200 | 2,264 |
| Average equity | $41,078,800 | 1,884 |
| Average total loans | $184,422,000 | 2,275 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 3,774 |
| Cost of funding earning assets | 0.3325% | 4,715 |
| Net interest margin | 3.9294% | 2,161 |
| Noninterest income to average assets | 0.5244% | 2,583 |
| Noninterest expense to average assets | 3.0754% | 1,766 |
| Loan and lease loss provision to assets | 0.0460% | 2,982 |
| Net operating income to assets | 0.7707% | 3,770 |
| Return on assets (ROA) | 0.7840% | 3,792 |
| Pretax return on assets | 0.9447% | 3,754 |
| Return on Equity (ROE) | 5.5486% | 4,181 |
| Retained earnings to average equity (ytd only) | 3.8576% | 3,471 |
| Net charge-offs to loans | 0.0015% | 3,401 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 1,057.1536% | 85 |
| Efficiency ratio | 75.9350% | 1,344 |
| Assets per employee ($millions) | 4.3763% | 3,371 |
| Cash dividends to net income (ytd only)* | 30.4755% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,324 |
| Loan loss allowance to noncurrent loans | 376.1838% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,589 |
| Noncurrent loans to loans | 0.3915% | 3,141 |
| Net loans and leases to total assets | 61.6260% | 3,529 |
| Net loans and leases to deposits | 77.3839% | 3,162 |
| Net loans and leases to core deposits | 79.6983% | 3,411 |
| Total domestic deposits to total assets | 79.6367% | 4,065 |
| Equity capital to assets | 14.2701% | 1,051 |
| Core capital (leverage) ratio | 14.3603% | 890 |
| Tier 1 risk-based capital ratio | 21.4029% | 1,141 |
| Total risk-based capital ratio | 22.6546% | 1,114 |
| Memoranda: | ||
| Average total assets | $289,601,500 | 2,235 |
| Average earning assets | $259,849,500 | 2,289 |
| Average equity | $40,922,250 | 1,895 |
| Average total loans | $183,888,000 | 2,302 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 3,888 |
| Cost of funding earning assets | 0.3341% | 4,728 |
| Net interest margin | 3.8801% | 2,302 |
| Noninterest income to average assets | 0.5118% | 2,617 |
| Noninterest expense to average assets | 3.1346% | 1,651 |
| Loan and lease loss provision to assets | 0.0693% | 2,435 |
| Net operating income to assets | 0.6524% | 4,158 |
| Return on assets (ROA) | 0.6699% | 4,152 |
| Pretax return on assets | 0.8003% | 4,096 |
| Return on Equity (ROE) | 4.7568% | 4,407 |
| Retained earnings to average equity (ytd only) | 3.0481% | 3,697 |
| Net charge-offs to loans | 0.0163% | 2,567 |
| Credit loss provision to net charge-offs | 666.6667% | 480 |
| Earnings coverage of net charge-offs (x) | 81.6000% | 804 |
| Efficiency ratio | 78.6908% | 1,078 |
| Assets per employee ($millions) | 4.1991% | 3,574 |
| Cash dividends to net income (ytd only)* | 35.9213% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 1,562 |
| Loan loss allowance to noncurrent loans | 121.0811% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 1,817 |
| Noncurrent loans to loans | 1.1668% | 1,384 |
| Net loans and leases to total assets | 64.7398% | 3,266 |
| Net loans and leases to deposits | 82.8689% | 2,634 |
| Net loans and leases to core deposits | 85.9723% | 2,964 |
| Total domestic deposits to total assets | 78.1231% | 4,371 |
| Equity capital to assets | 14.2393% | 1,034 |
| Core capital (leverage) ratio | 14.0462% | 946 |
| Tier 1 risk-based capital ratio | 20.4567% | 1,264 |
| Total risk-based capital ratio | 21.7077% | 1,227 |
| Memoranda: | ||
| Average total assets | $288,397,330 | 2,247 |
| Average earning assets | $258,036,330 | 2,310 |
| Average equity | $40,615,670 | 1,903 |
| Average total loans | $184,051,670 | 2,306 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1109% | 4,093 |
| Cost of funding earning assets | 0.3081% | 4,823 |
| Net interest margin | 3.8028% | 2,515 |
| Noninterest income to average assets | 0.4685% | 2,741 |
| Noninterest expense to average assets | 3.1697% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5867% | 4,281 |
| Return on assets (ROA) | 0.5867% | 4,313 |
| Pretax return on assets | 0.6965% | 4,310 |
| Return on Equity (ROE) | 4.1891% | 4,533 |
| Retained earnings to average equity (ytd only) | 2.4718% | 3,932 |
| Net charge-offs to loans | 0.0309% | 1,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 35.7857% | 1,227 |
| Efficiency ratio | 81.9849% | 877 |
| Assets per employee ($millions) | 4.2829% | 3,507 |
| Cash dividends to net income (ytd only)* | 40.9953% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,529 |
| Loan loss allowance to noncurrent loans | 115.5804% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 1,830 |
| Noncurrent loans to loans | 1.2485% | 1,319 |
| Net loans and leases to total assets | 60.7158% | 3,635 |
| Net loans and leases to deposits | 77.2178% | 3,141 |
| Net loans and leases to core deposits | 79.3457% | 3,420 |
| Total domestic deposits to total assets | 78.6292% | 4,413 |
| Equity capital to assets | 13.9383% | 1,063 |
| Core capital (leverage) ratio | 14.1420% | 915 |
| Tier 1 risk-based capital ratio | 21.3583% | 1,121 |
| Total risk-based capital ratio | 22.6099% | 1,105 |
| Memoranda: | ||
| Average total assets | $287,726,000 | 2,264 |
| Average earning assets | $257,074,000 | 2,336 |
| Average equity | $40,295,000 | 1,919 |
| Average total loans | $180,945,000 | 2,361 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 4,057 |
| Cost of funding earning assets | 0.2485% | 4,815 |
| Net interest margin | 3.7428% | 2,888 |
| Noninterest income to average assets | 0.5291% | 2,661 |
| Noninterest expense to average assets | 3.1004% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6652% | 4,244 |
| Return on assets (ROA) | 0.6652% | 4,253 |
| Pretax return on assets | 0.7865% | 4,205 |
| Return on Equity (ROE) | 4.7387% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.9665% | 3,919 |
| Net charge-offs to loans | 1.1010% | 127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1.1060% | 3,652 |
| Efficiency ratio | 79.7654% | 981 |
| Assets per employee ($millions) | 4.1191% | 3,721 |
| Cash dividends to net income (ytd only)* | 37.3988% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 1,533 |
| Loan loss allowance to noncurrent loans | 57.9088% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 721 |
| Noncurrent loans to loans | 2.4633% | 499 |
| Net loans and leases to total assets | 63.2870% | 3,430 |
| Net loans and leases to deposits | 81.0915% | 2,841 |
| Net loans and leases to core deposits | 83.7983% | 3,110 |
| Total domestic deposits to total assets | 78.0440% | 4,485 |
| Equity capital to assets | 14.0726% | 945 |
| Core capital (leverage) ratio | 14.3822% | 825 |
| Tier 1 risk-based capital ratio | 21.1205% | 1,142 |
| Total risk-based capital ratio | 22.3719% | 1,128 |
| Memoranda: | ||
| Average total assets | $278,573,400 | 2,276 |
| Average earning assets | $249,919,000 | 2,335 |
| Average equity | $39,103,800 | 1,903 |
| Average total loans | $179,933,400 | 2,335 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,198 |
| Cost of funding earning assets | 0.2292% | 4,893 |
| Net interest margin | 3.6775% | 3,099 |
| Noninterest income to average assets | 0.5041% | 2,847 |
| Noninterest expense to average assets | 2.9734% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7038% | 4,213 |
| Return on assets (ROA) | 0.7038% | 4,220 |
| Pretax return on assets | 0.8346% | 4,210 |
| Return on Equity (ROE) | 5.0170% | 4,554 |
| Retained earnings to average equity (ytd only) | 3.2338% | 4,127 |
| Net charge-offs to loans | 1.4724% | 82 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.8763% | 3,385 |
| Efficiency ratio | 78.0824% | 1,114 |
| Assets per employee ($millions) | 4.2886% | 3,445 |
| Cash dividends to net income (ytd only)* | 35.5436% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,534 |
| Loan loss allowance to noncurrent loans | 57.4454% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 750 |
| Noncurrent loans to loans | 2.5196% | 517 |
| Net loans and leases to total assets | 63.6059% | 3,473 |
| Net loans and leases to deposits | 81.0468% | 2,924 |
| Net loans and leases to core deposits | 83.7843% | 3,173 |
| Total domestic deposits to total assets | 78.4805% | 4,407 |
| Equity capital to assets | 14.0588% | 942 |
| Core capital (leverage) ratio | 14.5397% | 809 |
| Tier 1 risk-based capital ratio | 21.1644% | 1,165 |
| Total risk-based capital ratio | 22.4156% | 1,145 |
| Memoranda: | ||
| Average total assets | $277,162,250 | 2,298 |
| Average earning assets | $249,006,750 | 2,358 |
| Average equity | $38,880,500 | 1,911 |
| Average total loans | $179,297,750 | 2,349 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 4,250 |
| Cost of funding earning assets | 0.2150% | 4,946 |
| Net interest margin | 3.6220% | 3,226 |
| Noninterest income to average assets | 0.4974% | 2,882 |
| Noninterest expense to average assets | 2.9997% | 2,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6370% | 4,390 |
| Return on assets (ROA) | 0.6370% | 4,395 |
| Pretax return on assets | 0.7497% | 4,390 |
| Return on Equity (ROE) | 4.5439% | 4,681 |
| Retained earnings to average equity (ytd only) | 2.7542% | 4,150 |
| Net charge-offs to loans | 1.5143% | 80 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 3,107 |
| Efficiency ratio | 80.0039% | 1,020 |
| Assets per employee ($millions) | 3.9441% | 3,999 |
| Cash dividends to net income (ytd only)* | 39.3871% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 778 |
| Loan loss allowance to noncurrent loans | 60.6653% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9552% | 557 |
| Noncurrent loans to loans | 2.9369% | 393 |
| Net loans and leases to total assets | 65.3889% | 3,227 |
| Net loans and leases to deposits | 83.2269% | 2,621 |
| Net loans and leases to core deposits | 87.1620% | 2,803 |
| Total domestic deposits to total assets | 78.5670% | 4,500 |
| Equity capital to assets | 14.3007% | 862 |
| Core capital (leverage) ratio | 14.1839% | 858 |
| Tier 1 risk-based capital ratio | 20.9405% | 1,188 |
| Total risk-based capital ratio | 22.1960% | 1,160 |
| Memoranda: | ||
| Average total assets | $276,630,670 | 2,307 |
| Average earning assets | $248,369,670 | 2,376 |
| Average equity | $38,777,330 | 1,911 |
| Average total loans | $179,093,670 | 2,359 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,369 |
| Cost of funding earning assets | 0.1793% | 5,121 |
| Net interest margin | 3.5666% | 3,295 |
| Noninterest income to average assets | 0.4662% | 3,020 |
| Noninterest expense to average assets | 2.9748% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5866% | 4,463 |
| Return on assets (ROA) | 0.5866% | 4,471 |
| Pretax return on assets | 0.6870% | 4,477 |
| Return on Equity (ROE) | 4.2266% | 4,708 |
| Retained earnings to average equity (ytd only) | 2.4388% | 4,195 |
| Net charge-offs to loans | -0.0022% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2378% | 1,024 |
| Assets per employee ($millions) | 4.0115% | 3,959 |
| Cash dividends to net income (ytd only)* | 42.2983% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6031% | 229 |
| Loan loss allowance to noncurrent loans | 100.9912% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.6168% | 834 |
| Noncurrent loans to loans | 2.5775% | 517 |
| Net loans and leases to total assets | 61.0939% | 3,636 |
| Net loans and leases to deposits | 79.0156% | 2,915 |
| Net loans and leases to core deposits | 82.5656% | 3,099 |
| Total domestic deposits to total assets | 77.3187% | 4,827 |
| Equity capital to assets | 13.7730% | 955 |
| Core capital (leverage) ratio | 14.3334% | 797 |
| Tier 1 risk-based capital ratio | 21.4532% | 1,125 |
| Total risk-based capital ratio | 22.7182% | 1,103 |
| Memoranda: | ||
| Average total assets | $278,875,500 | 2,309 |
| Average earning assets | $249,875,000 | 2,381 |
| Average equity | $38,707,000 | 1,925 |
| Average total loans | $178,051,500 | 2,382 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,145 |
| Cost of funding earning assets | 0.1036% | 5,484 |
| Net interest margin | 3.6666% | 2,930 |
| Noninterest income to average assets | 0.5122% | 2,923 |
| Noninterest expense to average assets | 2.9467% | 2,294 |
| Loan and lease loss provision to assets | 0.7116% | 171 |
| Net operating income to assets | -0.1356% | 5,428 |
| Return on assets (ROA) | -0.1356% | 5,432 |
| Pretax return on assets | 0.1622% | 5,342 |
| Return on Equity (ROE) | -0.8631% | 5,419 |
| Retained earnings to average equity (ytd only) | -2.5672% | 5,321 |
| Net charge-offs to loans | -0.0198% | 4,954 |
| Credit loss provision to net charge-offs | -5,581.8182% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1284% | 1,466 |
| Assets per employee ($millions) | 4.2053% | 3,646 |
| Cash dividends to net income (ytd only)* | -197.4359% | 5,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 421 |
| Loan loss allowance to noncurrent loans | 137.9360% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 1,534 |
| Noncurrent loans to loans | 1.5453% | 1,093 |
| Net loans and leases to total assets | 63.4579% | 3,429 |
| Net loans and leases to deposits | 81.5521% | 2,760 |
| Net loans and leases to core deposits | 84.9387% | 2,990 |
| Total domestic deposits to total assets | 77.8127% | 4,744 |
| Equity capital to assets | 14.1513% | 863 |
| Core capital (leverage) ratio | 14.6237% | 703 |
| Tier 1 risk-based capital ratio | 21.0632% | 1,136 |
| Total risk-based capital ratio | 22.3232% | 1,109 |
| Memoranda: | ||
| Average total assets | $258,866,800 | 2,423 |
| Average earning assets | $233,568,600 | 2,472 |
| Average equity | $40,666,400 | 1,827 |
| Average total loans | $166,333,400 | 2,462 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 4,201 |
| Cost of funding earning assets | 0.0656% | 5,647 |
| Net interest margin | 3.6783% | 2,829 |
| Noninterest income to average assets | 0.4993% | 3,030 |
| Noninterest expense to average assets | 2.9184% | 2,345 |
| Loan and lease loss provision to assets | 0.1154% | 1,874 |
| Net operating income to assets | 0.6095% | 4,355 |
| Return on assets (ROA) | 0.6095% | 4,397 |
| Pretax return on assets | 0.7889% | 4,380 |
| Return on Equity (ROE) | 3.7775% | 4,926 |
| Retained earnings to average equity (ytd only) | 2.0903% | 4,605 |
| Net charge-offs to loans | -0.0295% | 4,991 |
| Credit loss provision to net charge-offs | -611.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3447% | 1,535 |
| Assets per employee ($millions) | 4.1329% | 3,768 |
| Cash dividends to net income (ytd only)* | 44.6643% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,386 |
| Loan loss allowance to noncurrent loans | 80.5303% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 1,588 |
| Noncurrent loans to loans | 1.6061% | 1,143 |
| Net loans and leases to total assets | 64.9806% | 3,254 |
| Net loans and leases to deposits | 84.3084% | 2,525 |
| Net loans and leases to core deposits | 86.5152% | 2,922 |
| Total domestic deposits to total assets | 77.0749% | 4,875 |
| Equity capital to assets | 15.9127% | 557 |
| Core capital (leverage) ratio | 15.6270% | 558 |
| Tier 1 risk-based capital ratio | 22.9900% | 950 |
| Total risk-based capital ratio | 24.2230% | 937 |
| Memoranda: | ||
| Average total assets | $254,195,750 | 2,481 |
| Average earning assets | $229,662,500 | 2,522 |
| Average equity | $41,013,750 | 1,831 |
| Average total loans | $162,925,750 | 2,520 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,218 |
| Cost of funding earning assets | 0.0325% | 5,740 |
| Net interest margin | 3.6725% | 2,746 |
| Noninterest income to average assets | 0.5529% | 2,703 |
| Noninterest expense to average assets | 2.9984% | 2,111 |
| Loan and lease loss provision to assets | 0.0992% | 2,030 |
| Net operating income to assets | 0.5981% | 4,315 |
| Return on assets (ROA) | 0.5981% | 4,358 |
| Pretax return on assets | 0.7702% | 4,372 |
| Return on Equity (ROE) | 3.6894% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.9964% | 4,457 |
| Net charge-offs to loans | -0.0625% | 5,260 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5226% | 1,528 |
| Assets per employee ($millions) | 3.8920% | 4,141 |
| Cash dividends to net income (ytd only)* | 45.8886% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,426 |
| Loan loss allowance to noncurrent loans | 957.8475% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 4,839 |
| Noncurrent loans to loans | 0.1354% | 4,575 |
| Net loans and leases to total assets | 64.2554% | 3,350 |
| Net loans and leases to deposits | 83.8697% | 2,499 |
| Net loans and leases to core deposits | 85.9886% | 2,879 |
| Total domestic deposits to total assets | 76.6134% | 5,015 |
| Equity capital to assets | 16.2987% | 500 |
| Core capital (leverage) ratio | 16.1352% | 460 |
| Tier 1 risk-based capital ratio | 23.7919% | 875 |
| Total risk-based capital ratio | 25.0282% | 859 |
| Memoranda: | ||
| Average total assets | $252,137,670 | 2,500 |
| Average earning assets | $227,586,330 | 2,554 |
| Average equity | $40,874,330 | 1,839 |
| Average total loans | $160,098,670 | 2,566 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6035% | 4,411 |
| Cost of funding earning assets | 0.0246% | 5,812 |
| Net interest margin | 3.5788% | 2,969 |
| Noninterest income to average assets | 0.5133% | 2,889 |
| Noninterest expense to average assets | 3.0240% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5641% | 4,314 |
| Return on assets (ROA) | 0.5641% | 4,357 |
| Pretax return on assets | 0.7199% | 4,386 |
| Return on Equity (ROE) | 3.4893% | 4,964 |
| Retained earnings to average equity (ytd only) | 1.7987% | 4,397 |
| Net charge-offs to loans | -0.1318% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7725% | 1,284 |
| Assets per employee ($millions) | 4.2702% | 3,545 |
| Cash dividends to net income (ytd only)* | 48.4507% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,623 |
| Loan loss allowance to noncurrent loans | 557.6177% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 4,699 |
| Noncurrent loans to loans | 0.2301% | 4,291 |
| Net loans and leases to total assets | 60.4553% | 3,737 |
| Net loans and leases to deposits | 76.6780% | 3,113 |
| Net loans and leases to core deposits | 78.4366% | 3,434 |
| Total domestic deposits to total assets | 78.8431% | 4,854 |
| Equity capital to assets | 15.9468% | 507 |
| Core capital (leverage) ratio | 16.4092% | 413 |
| Tier 1 risk-based capital ratio | 24.4883% | 824 |
| Total risk-based capital ratio | 25.6941% | 801 |
| Memoranda: | ||
| Average total assets | $251,717,500 | 2,527 |
| Average earning assets | $227,224,000 | 2,580 |
| Average equity | $40,695,500 | 1,845 |
| Average total loans | $157,804,000 | 2,608 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,548 |
| Cost of funding earning assets | 0.0354% | 5,857 |
| Net interest margin | 3.5503% | 3,250 |
| Noninterest income to average assets | 0.5857% | 2,735 |
| Noninterest expense to average assets | 2.9909% | 2,378 |
| Loan and lease loss provision to assets | -0.0182% | 5,518 |
| Net operating income to assets | 0.6391% | 4,046 |
| Return on assets (ROA) | 0.6391% | 4,157 |
| Pretax return on assets | 0.8079% | 4,166 |
| Return on Equity (ROE) | 3.7905% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.1113% | 4,332 |
| Net charge-offs to loans | 0.0890% | 2,430 |
| Credit loss provision to net charge-offs | -33.8462% | 4,792 |
| Earnings coverage of net charge-offs (x) | 14.6769% | 2,271 |
| Efficiency ratio | 79.1110% | 1,541 |
| Assets per employee ($millions) | 3.8628% | 4,205 |
| Cash dividends to net income (ytd only)* | 44.3005% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,903 |
| Loan loss allowance to noncurrent loans | 9,338.0952% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 5,378 |
| Noncurrent loans to loans | 0.0132% | 5,226 |
| Net loans and leases to total assets | 63.4004% | 3,427 |
| Net loans and leases to deposits | 79.9917% | 2,886 |
| Net loans and leases to core deposits | 81.4715% | 3,255 |
| Total domestic deposits to total assets | 79.2586% | 4,733 |
| Equity capital to assets | 16.3955% | 447 |
| Core capital (leverage) ratio | 16.4543% | 407 |
| Tier 1 risk-based capital ratio | 24.2627% | 847 |
| Total risk-based capital ratio | 25.4318% | 822 |
| Memoranda: | ||
| Average total assets | $241,599,400 | 2,565 |
| Average earning assets | $217,419,400 | 2,624 |
| Average equity | $40,733,800 | 1,822 |
| Average total loans | $146,104,400 | 2,693 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5398% | 4,709 |
| Cost of funding earning assets | 0.0370% | 5,922 |
| Net interest margin | 3.5028% | 3,457 |
| Noninterest income to average assets | 0.5917% | 2,706 |
| Noninterest expense to average assets | 2.8643% | 2,769 |
| Loan and lease loss provision to assets | -0.1149% | 5,808 |
| Net operating income to assets | 0.7621% | 3,549 |
| Return on assets (ROA) | 0.7621% | 3,684 |
| Pretax return on assets | 0.9931% | 3,659 |
| Return on Equity (ROE) | 4.4886% | 4,725 |
| Retained earnings to average equity (ytd only) | 2.8213% | 4,202 |
| Net charge-offs to loans | 0.1101% | 1,843 |
| Credit loss provision to net charge-offs | -175.4237% | 4,837 |
| Earnings coverage of net charge-offs (x) | 13.4067% | 2,314 |
| Efficiency ratio | 76.5352% | 1,902 |
| Assets per employee ($millions) | 3.8293% | 4,252 |
| Cash dividends to net income (ytd only)* | 37.1448% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 3,161 |
| Loan loss allowance to noncurrent loans | 2,919.3548% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,401 |
| Noncurrent loans to loans | 0.0415% | 5,195 |
| Net loans and leases to total assets | 61.1264% | 3,728 |
| Net loans and leases to deposits | 77.6872% | 3,220 |
| Net loans and leases to core deposits | 79.5247% | 3,494 |
| Total domestic deposits to total assets | 78.6828% | 4,791 |
| Equity capital to assets | 17.1323% | 420 |
| Core capital (leverage) ratio | 16.7771% | 383 |
| Tier 1 risk-based capital ratio | 25.4973% | 762 |
| Total risk-based capital ratio | 26.6312% | 759 |
| Memoranda: | ||
| Average total assets | $240,194,000 | 2,585 |
| Average earning assets | $216,052,750 | 2,648 |
| Average equity | $40,784,000 | 1,831 |
| Average total loans | $142,955,500 | 2,737 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 4,897 |
| Cost of funding earning assets | 0.0380% | 6,001 |
| Net interest margin | 3.4512% | 3,676 |
| Noninterest income to average assets | 0.5812% | 2,715 |
| Noninterest expense to average assets | 2.9336% | 2,570 |
| Loan and lease loss provision to assets | -0.2060% | 5,938 |
| Net operating income to assets | 0.7380% | 3,616 |
| Return on assets (ROA) | 0.7380% | 3,777 |
| Pretax return on assets | 0.9573% | 3,756 |
| Return on Equity (ROE) | 4.3594% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.6846% | 4,191 |
| Net charge-offs to loans | 0.1619% | 1,364 |
| Credit loss provision to net charge-offs | -216.6667% | 4,737 |
| Earnings coverage of net charge-offs (x) | 7.9035% | 2,575 |
| Efficiency ratio | 79.6108% | 1,545 |
| Assets per employee ($millions) | 3.6684% | 4,494 |
| Cash dividends to net income (ytd only)* | 38.4181% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 3,060 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 57.8122% | 4,135 |
| Net loans and leases to deposits | 72.8713% | 3,713 |
| Net loans and leases to core deposits | 74.7127% | 3,931 |
| Total domestic deposits to total assets | 79.3346% | 4,708 |
| Equity capital to assets | 16.9399% | 440 |
| Core capital (leverage) ratio | 16.5451% | 398 |
| Tier 1 risk-based capital ratio | 26.8774% | 661 |
| Total risk-based capital ratio | 28.0582% | 649 |
| Memoranda: | ||
| Average total assets | $239,843,330 | 2,600 |
| Average earning assets | $215,692,000 | 2,659 |
| Average equity | $40,601,670 | 1,832 |
| Average total loans | $140,849,000 | 2,775 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4399% | 5,028 |
| Cost of funding earning assets | 0.0409% | 6,062 |
| Net interest margin | 3.3990% | 3,870 |
| Noninterest income to average assets | 0.5664% | 2,705 |
| Noninterest expense to average assets | 2.9358% | 2,584 |
| Loan and lease loss provision to assets | -0.5396% | 6,087 |
| Net operating income to assets | 0.9183% | 2,663 |
| Return on assets (ROA) | 0.9183% | 2,774 |
| Pretax return on assets | 1.2316% | 2,575 |
| Return on Equity (ROE) | 5.4263% | 4,269 |
| Retained earnings to average equity (ytd only) | 3.7430% | 3,621 |
| Net charge-offs to loans | 0.3020% | 713 |
| Credit loss provision to net charge-offs | -303.7736% | 4,437 |
| Earnings coverage of net charge-offs (x) | 3.8962% | 2,492 |
| Efficiency ratio | 80.9238% | 1,493 |
| Assets per employee ($millions) | 3.9259% | 4,079 |
| Cash dividends to net income (ytd only)* | 31.0219% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 3,380 |
| Loan loss allowance to noncurrent loans | 5,886.2069% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 5,617 |
| Noncurrent loans to loans | 0.0207% | 5,421 |
| Net loans and leases to total assets | 56.0052% | 4,257 |
| Net loans and leases to deposits | 70.5514% | 3,808 |
| Net loans and leases to core deposits | 72.2919% | 4,044 |
| Total domestic deposits to total assets | 79.3821% | 4,879 |
| Equity capital to assets | 16.4712% | 482 |
| Core capital (leverage) ratio | 16.7535% | 392 |
| Tier 1 risk-based capital ratio | 27.3592% | 650 |
| Total risk-based capital ratio | 28.5205% | 640 |
| Memoranda: | ||
| Average total assets | $238,707,500 | 2,625 |
| Average earning assets | $215,004,000 | 2,679 |
| Average equity | $40,395,500 | 1,830 |
| Average total loans | $140,400,500 | 2,778 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 5,064 |
| Cost of funding earning assets | 0.0385% | 6,119 |
| Net interest margin | 3.4025% | 3,906 |
| Noninterest income to average assets | 0.6094% | 2,675 |
| Noninterest expense to average assets | 3.0275% | 2,453 |
| Loan and lease loss provision to assets | 0.2931% | 592 |
| Net operating income to assets | 0.3439% | 5,229 |
| Return on assets (ROA) | 0.3439% | 5,322 |
| Pretax return on assets | 0.3439% | 5,431 |
| Return on Equity (ROE) | 1.9710% | 5,575 |
| Retained earnings to average equity (ytd only) | 0.2636% | 5,409 |
| Net charge-offs to loans | 0.0138% | 4,021 |
| Credit loss provision to net charge-offs | 3,716.6667% | 103 |
| Earnings coverage of net charge-offs (x) | 80.7778% | 694 |
| Efficiency ratio | 82.6181% | 1,319 |
| Assets per employee ($millions) | 3.5397% | 4,747 |
| Cash dividends to net income (ytd only)* | 86.6242% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,911 |
| Loan loss allowance to noncurrent loans | 374.5614% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,583 |
| Noncurrent loans to loans | 0.4055% | 4,005 |
| Net loans and leases to total assets | 60.1697% | 3,813 |
| Net loans and leases to deposits | 75.9977% | 3,253 |
| Net loans and leases to core deposits | 77.4852% | 3,608 |
| Total domestic deposits to total assets | 79.1730% | 4,946 |
| Equity capital to assets | 17.4078% | 369 |
| Core capital (leverage) ratio | 17.0634% | 359 |
| Tier 1 risk-based capital ratio | 26.8590% | 680 |
| Total risk-based capital ratio | 28.1110% | 658 |
| Memoranda: | ||
| Average total assets | $228,271,000 | 2,679 |
| Average earning assets | $204,968,800 | 2,732 |
| Average equity | $39,827,800 | 1,807 |
| Average total loans | $130,901,800 | 2,876 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3705% | 5,274 |
| Cost of funding earning assets | 0.0372% | 6,208 |
| Net interest margin | 3.3333% | 4,208 |
| Noninterest income to average assets | 0.6122% | 2,679 |
| Noninterest expense to average assets | 2.9912% | 2,551 |
| Loan and lease loss provision to assets | 0.1434% | 1,534 |
| Net operating income to assets | 0.4284% | 5,058 |
| Return on assets (ROA) | 0.4284% | 5,139 |
| Pretax return on assets | 0.4682% | 5,298 |
| Return on Equity (ROE) | 2.4540% | 5,564 |
| Retained earnings to average equity (ytd only) | 0.7442% | 5,393 |
| Net charge-offs to loans | 0.0664% | 2,622 |
| Credit loss provision to net charge-offs | 382.8125% | 788 |
| Earnings coverage of net charge-offs (x) | 16.3284% | 2,123 |
| Efficiency ratio | 83.0247% | 1,267 |
| Assets per employee ($millions) | 3.6512% | 4,515 |
| Cash dividends to net income (ytd only)* | 69.6715% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 3,324 |
| Loan loss allowance to noncurrent loans | 296.2633% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 4,723 |
| Noncurrent loans to loans | 0.4245% | 4,084 |
| Net loans and leases to total assets | 56.8372% | 4,262 |
| Net loans and leases to deposits | 72.1417% | 3,748 |
| Net loans and leases to core deposits | 73.3527% | 4,070 |
| Total domestic deposits to total assets | 78.7855% | 5,029 |
| Equity capital to assets | 17.4223% | 392 |
| Core capital (leverage) ratio | 17.4619% | 338 |
| Tier 1 risk-based capital ratio | 28.1449% | 610 |
| Total risk-based capital ratio | 29.3178% | 603 |
| Memoranda: | ||
| Average total assets | $227,818,500 | 2,701 |
| Average earning assets | $204,398,500 | 2,748 |
| Average equity | $39,771,750 | 1,826 |
| Average total loans | $128,483,750 | 2,928 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3260% | 5,389 |
| Cost of funding earning assets | 0.0373% | 6,286 |
| Net interest margin | 3.2886% | 4,341 |
| Noninterest income to average assets | 0.5980% | 2,753 |
| Noninterest expense to average assets | 3.0826% | 2,293 |
| Loan and lease loss provision to assets | 0.0881% | 2,348 |
| Net operating income to assets | 0.3664% | 5,247 |
| Return on assets (ROA) | 0.3664% | 5,355 |
| Pretax return on assets | 0.3770% | 5,520 |
| Return on Equity (ROE) | 2.0973% | 5,656 |
| Retained earnings to average equity (ytd only) | 0.3832% | 5,394 |
| Net charge-offs to loans | 0.0456% | 2,783 |
| Credit loss provision to net charge-offs | 344.8276% | 838 |
| Earnings coverage of net charge-offs (x) | 18.2069% | 1,816 |
| Efficiency ratio | 86.8918% | 988 |
| Assets per employee ($millions) | 3.7271% | 4,368 |
| Cash dividends to net income (ytd only)* | 81.7308% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 3,769 |
| Loan loss allowance to noncurrent loans | 222.7794% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 4,581 |
| Noncurrent loans to loans | 0.5402% | 3,835 |
| Net loans and leases to total assets | 56.1510% | 4,321 |
| Net loans and leases to deposits | 72.2469% | 3,697 |
| Net loans and leases to core deposits | 73.0958% | 4,032 |
| Total domestic deposits to total assets | 77.7210% | 5,331 |
| Equity capital to assets | 17.4240% | 382 |
| Core capital (leverage) ratio | 17.2418% | 346 |
| Tier 1 risk-based capital ratio | 28.5540% | 613 |
| Total risk-based capital ratio | 29.6694% | 613 |
| Memoranda: | ||
| Average total assets | $227,082,330 | 2,726 |
| Average earning assets | $203,670,330 | 2,777 |
| Average equity | $39,670,330 | 1,839 |
| Average total loans | $127,176,330 | 2,961 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2369% | 5,583 |
| Cost of funding earning assets | 0.0392% | 6,357 |
| Net interest margin | 3.1977% | 4,623 |
| Noninterest income to average assets | 0.5552% | 2,922 |
| Noninterest expense to average assets | 3.1637% | 2,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2679% | 5,511 |
| Return on assets (ROA) | 0.2679% | 5,606 |
| Pretax return on assets | 0.2679% | 5,719 |
| Return on Equity (ROE) | 1.5315% | 5,798 |
| Retained earnings to average equity (ytd only) | -0.1814% | 5,411 |
| Net charge-offs to loans | 0.0793% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.0800% | 2,328 |
| Efficiency ratio | 92.1931% | 699 |
| Assets per employee ($millions) | 3.5758% | 4,768 |
| Cash dividends to net income (ytd only)* | 111.8421% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 4,098 |
| Loan loss allowance to noncurrent loans | 219.3985% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 4,816 |
| Noncurrent loans to loans | 0.5367% | 3,970 |
| Net loans and leases to total assets | 52.6854% | 4,589 |
| Net loans and leases to deposits | 67.7959% | 3,977 |
| Net loans and leases to core deposits | 68.8042% | 4,257 |
| Total domestic deposits to total assets | 77.7117% | 5,502 |
| Equity capital to assets | 17.1641% | 409 |
| Core capital (leverage) ratio | 17.5099% | 320 |
| Tier 1 risk-based capital ratio | 31.2083% | 486 |
| Total risk-based capital ratio | 32.3547% | 486 |
| Memoranda: | ||
| Average total assets | $226,947,000 | 2,747 |
| Average earning assets | $204,146,500 | 2,789 |
| Average equity | $39,698,500 | 1,846 |
| Average total loans | $126,156,500 | 2,981 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 5,351 |
| Cost of funding earning assets | 0.0501% | 6,437 |
| Net interest margin | 3.4344% | 4,047 |
| Noninterest income to average assets | 0.7076% | 2,267 |
| Noninterest expense to average assets | 3.1363% | 2,398 |
| Loan and lease loss provision to assets | 0.0958% | 2,550 |
| Net operating income to assets | 0.4953% | 4,833 |
| Return on assets (ROA) | 0.4873% | 4,945 |
| Pretax return on assets | 0.5513% | 5,098 |
| Return on Equity (ROE) | 2.7351% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.0018% | 5,321 |
| Net charge-offs to loans | 0.0672% | 3,522 |
| Credit loss provision to net charge-offs | 257.3171% | 992 |
| Earnings coverage of net charge-offs (x) | 17.6220% | 1,913 |
| Efficiency ratio | 82.6967% | 1,570 |
| Assets per employee ($millions) | 3.5720% | 4,770 |
| Cash dividends to net income (ytd only)* | 63.3737% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,249 |
| Loan loss allowance to noncurrent loans | 219.8519% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 4,816 |
| Noncurrent loans to loans | 0.5257% | 4,092 |
| Net loans and leases to total assets | 57.3065% | 4,154 |
| Net loans and leases to deposits | 74.1127% | 3,422 |
| Net loans and leases to core deposits | 75.2749% | 3,791 |
| Total domestic deposits to total assets | 77.3235% | 5,549 |
| Equity capital to assets | 17.8370% | 330 |
| Core capital (leverage) ratio | 18.0316% | 286 |
| Tier 1 risk-based capital ratio | 30.0595% | 508 |
| Total risk-based capital ratio | 31.1822% | 509 |
| Memoranda: | ||
| Average total assets | $220,194,000 | 2,781 |
| Average earning assets | $197,790,600 | 2,830 |
| Average equity | $39,231,000 | 1,804 |
| Average total loans | $122,041,200 | 3,002 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 5,488 |
| Cost of funding earning assets | 0.0506% | 6,519 |
| Net interest margin | 3.4028% | 4,230 |
| Noninterest income to average assets | 0.7240% | 2,206 |
| Noninterest expense to average assets | 3.0459% | 2,652 |
| Loan and lease loss provision to assets | 0.0370% | 3,664 |
| Net operating income to assets | 0.5875% | 4,497 |
| Return on assets (ROA) | 0.5773% | 4,633 |
| Pretax return on assets | 0.6889% | 4,734 |
| Return on Equity (ROE) | 3.2411% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.5048% | 5,296 |
| Net charge-offs to loans | -0.0974% | 6,131 |
| Credit loss provision to net charge-offs | -69.3182% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4968% | 1,844 |
| Assets per employee ($millions) | 3.4652% | 4,926 |
| Cash dividends to net income (ytd only)* | 53.5713% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 4,212 |
| Loan loss allowance to noncurrent loans | 726.5700% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,775 |
| Noncurrent loans to loans | 0.1653% | 5,415 |
| Net loans and leases to total assets | 57.5759% | 4,127 |
| Net loans and leases to deposits | 74.5193% | 3,368 |
| Net loans and leases to core deposits | 75.9962% | 3,743 |
| Total domestic deposits to total assets | 77.2631% | 5,632 |
| Equity capital to assets | 18.4691% | 305 |
| Core capital (leverage) ratio | 17.9325% | 306 |
| Tier 1 risk-based capital ratio | 30.8377% | 489 |
| Total risk-based capital ratio | 32.0036% | 485 |
| Memoranda: | ||
| Average total assets | $219,875,750 | 2,802 |
| Average earning assets | $197,714,750 | 2,856 |
| Average equity | $39,163,000 | 1,815 |
| Average total loans | $120,451,750 | 3,042 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,681 |
| Cost of funding earning assets | 0.0502% | 6,584 |
| Net interest margin | 3.3187% | 4,512 |
| Noninterest income to average assets | 0.6608% | 2,481 |
| Noninterest expense to average assets | 3.0674% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5001% | 4,808 |
| Return on assets (ROA) | 0.5001% | 4,891 |
| Pretax return on assets | 0.5759% | 5,037 |
| Return on Equity (ROE) | 2.8417% | 5,578 |
| Retained earnings to average equity (ytd only) | 1.0977% | 5,319 |
| Net charge-offs to loans | -0.0269% | 5,649 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1923% | 1,486 |
| Assets per employee ($millions) | 3.5938% | 4,675 |
| Cash dividends to net income (ytd only)* | 61.3718% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,721 |
| Loan loss allowance to noncurrent loans | 479.3706% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 5,767 |
| Noncurrent loans to loans | 0.2374% | 5,281 |
| Net loans and leases to total assets | 54.3406% | 4,497 |
| Net loans and leases to deposits | 69.8830% | 3,838 |
| Net loans and leases to core deposits | 71.3359% | 4,118 |
| Total domestic deposits to total assets | 77.7594% | 5,683 |
| Equity capital to assets | 17.9828% | 326 |
| Core capital (leverage) ratio | 17.9006% | 302 |
| Tier 1 risk-based capital ratio | 29.9701% | 524 |
| Total risk-based capital ratio | 31.0091% | 524 |
| Memoranda: | ||
| Average total assets | $221,554,330 | 2,797 |
| Average earning assets | $199,111,670 | 2,844 |
| Average equity | $38,991,000 | 1,816 |
| Average total loans | $118,869,000 | 3,085 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2983% | 5,844 |
| Cost of funding earning assets | 0.0520% | 6,659 |
| Net interest margin | 3.2463% | 4,751 |
| Noninterest income to average assets | 0.6448% | 2,488 |
| Noninterest expense to average assets | 3.0729% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4670% | 4,860 |
| Return on assets (ROA) | 0.4670% | 4,927 |
| Pretax return on assets | 0.4867% | 5,207 |
| Return on Equity (ROE) | 2.6821% | 5,567 |
| Retained earnings to average equity (ytd only) | 0.9284% | 5,226 |
| Net charge-offs to loans | 0.0508% | 2,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 18.0667% | 1,432 |
| Efficiency ratio | 86.3269% | 1,414 |
| Assets per employee ($millions) | 3.6863% | 4,548 |
| Cash dividends to net income (ytd only)* | 65.3846% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 4,853 |
| Loan loss allowance to noncurrent loans | 471.8310% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 5,867 |
| Noncurrent loans to loans | 0.2444% | 5,374 |
| Net loans and leases to total assets | 51.0807% | 4,787 |
| Net loans and leases to deposits | 65.3384% | 4,162 |
| Net loans and leases to core deposits | 66.8473% | 4,411 |
| Total domestic deposits to total assets | 78.1786% | 5,804 |
| Equity capital to assets | 17.3097% | 366 |
| Core capital (leverage) ratio | 17.4396% | 330 |
| Tier 1 risk-based capital ratio | 31.5434% | 464 |
| Total risk-based capital ratio | 32.6156% | 461 |
| Memoranda: | ||
| Average total assets | $222,721,000 | 2,800 |
| Average earning assets | $199,979,000 | 2,852 |
| Average equity | $38,775,500 | 1,815 |
| Average total loans | $118,055,000 | 3,114 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4299% | 5,778 |
| Cost of funding earning assets | 0.0758% | 6,715 |
| Net interest margin | 3.3541% | 4,464 |
| Noninterest income to average assets | 0.6389% | 2,871 |
| Noninterest expense to average assets | 3.0326% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4932% | 4,759 |
| Return on assets (ROA) | 0.4848% | 4,939 |
| Pretax return on assets | 0.5592% | 5,008 |
| Return on Equity (ROE) | 2.8351% | 5,568 |
| Retained earnings to average equity (ytd only) | 1.0841% | 5,349 |
| Net charge-offs to loans | 0.2973% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.6914% | 3,784 |
| Efficiency ratio | 84.2034% | 1,606 |
| Assets per employee ($millions) | 3.6161% | 4,640 |
| Cash dividends to net income (ytd only)* | 61.7620% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,996 |
| Loan loss allowance to noncurrent loans | 381.6901% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 5,833 |
| Noncurrent loans to loans | 0.2961% | 5,295 |
| Net loans and leases to total assets | 53.7465% | 4,616 |
| Net loans and leases to deposits | 68.7800% | 3,941 |
| Net loans and leases to core deposits | 70.6730% | 4,226 |
| Total domestic deposits to total assets | 78.1426% | 5,809 |
| Equity capital to assets | 17.5120% | 355 |
| Core capital (leverage) ratio | 17.5440% | 329 |
| Tier 1 risk-based capital ratio | 30.9934% | 464 |
| Total risk-based capital ratio | 32.0609% | 464 |
| Memoranda: | ||
| Average total assets | $227,101,200 | 2,745 |
| Average earning assets | $200,588,000 | 2,819 |
| Average equity | $38,834,200 | 1,794 |
| Average total loans | $117,706,600 | 3,083 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3847% | 5,914 |
| Cost of funding earning assets | 0.0808% | 6,795 |
| Net interest margin | 3.3039% | 4,619 |
| Noninterest income to average assets | 0.5998% | 3,149 |
| Noninterest expense to average assets | 2.9600% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4745% | 4,913 |
| Return on assets (ROA) | 0.4745% | 5,065 |
| Pretax return on assets | 0.5468% | 5,214 |
| Return on Equity (ROE) | 2.7910% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.0423% | 5,560 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4082% | 1,550 |
| Assets per employee ($millions) | 3.7400% | 4,369 |
| Cash dividends to net income (ytd only)* | 62.6531% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,793 |
| Loan loss allowance to noncurrent loans | 244.6198% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 5,482 |
| Noncurrent loans to loans | 0.5820% | 4,748 |
| Net loans and leases to total assets | 52.6083% | 4,804 |
| Net loans and leases to deposits | 67.9147% | 4,069 |
| Net loans and leases to core deposits | 69.8136% | 4,345 |
| Total domestic deposits to total assets | 77.4624% | 5,980 |
| Equity capital to assets | 17.1009% | 409 |
| Core capital (leverage) ratio | 17.4537% | 342 |
| Tier 1 risk-based capital ratio | 30.9284% | 477 |
| Total risk-based capital ratio | 32.1792% | 469 |
| Memoranda: | ||
| Average total assets | $228,731,500 | 2,753 |
| Average earning assets | $201,253,500 | 2,835 |
| Average equity | $38,885,750 | 1,808 |
| Average total loans | $117,156,000 | 3,119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3505% | 6,004 |
| Cost of funding earning assets | 0.0896% | 6,841 |
| Net interest margin | 3.2609% | 4,729 |
| Noninterest income to average assets | 0.5804% | 3,314 |
| Noninterest expense to average assets | 2.9864% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3988% | 5,218 |
| Return on assets (ROA) | 0.3988% | 5,383 |
| Pretax return on assets | 0.4388% | 5,554 |
| Return on Equity (ROE) | 2.3505% | 5,844 |
| Retained earnings to average equity (ytd only) | 0.6094% | 5,657 |
| Net charge-offs to loans | -0.0516% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1892% | 1,306 |
| Assets per employee ($millions) | 3.7446% | 4,312 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,574 |
| Loan loss allowance to noncurrent loans | 281.1994% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 5,667 |
| Noncurrent loans to loans | 0.5347% | 4,927 |
| Net loans and leases to total assets | 50.5904% | 5,050 |
| Net loans and leases to deposits | 64.1958% | 4,474 |
| Net loans and leases to core deposits | 65.9662% | 4,693 |
| Total domestic deposits to total assets | 78.8065% | 5,833 |
| Equity capital to assets | 17.0031% | 413 |
| Core capital (leverage) ratio | 16.8193% | 390 |
| Tier 1 risk-based capital ratio | 31.5532% | 454 |
| Total risk-based capital ratio | 32.8054% | 449 |
| Memoranda: | ||
| Average total assets | $230,176,000 | 2,742 |
| Average earning assets | $200,805,670 | 2,862 |
| Average equity | $39,056,330 | 1,796 |
| Average total loans | $116,289,000 | 3,139 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3271% | 6,099 |
| Cost of funding earning assets | 0.1039% | 6,903 |
| Net interest margin | 3.2232% | 4,835 |
| Noninterest income to average assets | 0.4946% | 3,806 |
| Noninterest expense to average assets | 3.0173% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2473% | 5,733 |
| Return on assets (ROA) | 0.2473% | 5,854 |
| Pretax return on assets | 0.2473% | 5,971 |
| Return on Equity (ROE) | 1.4588% | 6,101 |
| Retained earnings to average equity (ytd only) | -0.2634% | 5,827 |
| Net charge-offs to loans | -0.0685% | 6,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4250% | 951 |
| Assets per employee ($millions) | 3.4792% | 5,023 |
| Cash dividends to net income (ytd only)* | 118.0556% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,695 |
| Loan loss allowance to noncurrent loans | 274.2448% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 5,767 |
| Noncurrent loans to loans | 0.5586% | 5,044 |
| Net loans and leases to total assets | 46.8702% | 5,343 |
| Net loans and leases to deposits | 59.1801% | 4,893 |
| Net loans and leases to core deposits | 61.2446% | 5,022 |
| Total domestic deposits to total assets | 79.1993% | 5,924 |
| Equity capital to assets | 16.6698% | 472 |
| Core capital (leverage) ratio | 16.3728% | 416 |
| Tier 1 risk-based capital ratio | 32.0810% | 449 |
| Total risk-based capital ratio | 33.3333% | 442 |
| Memoranda: | ||
| Average total assets | $232,925,500 | 2,748 |
| Average earning assets | $200,174,500 | 2,901 |
| Average equity | $39,483,500 | 1,799 |
| Average total loans | $116,733,500 | 3,147 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 5,833 |
| Cost of funding earning assets | 0.2069% | 6,818 |
| Net interest margin | 3.5879% | 4,137 |
| Noninterest income to average assets | 0.6567% | 2,959 |
| Noninterest expense to average assets | 3.1287% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5504% | 4,475 |
| Return on assets (ROA) | 0.5504% | 4,731 |
| Pretax return on assets | 0.6353% | 4,867 |
| Return on Equity (ROE) | 3.1551% | 5,490 |
| Retained earnings to average equity (ytd only) | 1.4221% | 5,162 |
| Net charge-offs to loans | -0.0896% | 6,807 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1207% | 1,730 |
| Assets per employee ($millions) | 3.4219% | 5,167 |
| Cash dividends to net income (ytd only)* | 54.9273% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 4,126 |
| Loan loss allowance to noncurrent loans | 246.7438% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 5,776 |
| Noncurrent loans to loans | 0.5718% | 5,101 |
| Net loans and leases to total assets | 51.9697% | 4,932 |
| Net loans and leases to deposits | 67.0878% | 4,122 |
| Net loans and leases to core deposits | 70.4709% | 4,236 |
| Total domestic deposits to total assets | 77.4652% | 6,171 |
| Equity capital to assets | 17.2414% | 387 |
| Core capital (leverage) ratio | 17.0793% | 347 |
| Tier 1 risk-based capital ratio | 30.8434% | 479 |
| Total risk-based capital ratio | 32.0950% | 467 |
| Memoranda: | ||
| Average total assets | $224,919,000 | 2,786 |
| Average earning assets | $194,794,800 | 2,899 |
| Average equity | $39,238,600 | 1,773 |
| Average total loans | $119,446,600 | 3,089 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7710% | 6,084 |
| Cost of funding earning assets | 0.2231% | 6,896 |
| Net interest margin | 3.5479% | 4,450 |
| Noninterest income to average assets | 0.6499% | 2,997 |
| Noninterest expense to average assets | 3.1398% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5182% | 4,771 |
| Return on assets (ROA) | 0.5182% | 5,032 |
| Pretax return on assets | 0.5885% | 5,204 |
| Return on Equity (ROE) | 2.9617% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.2255% | 5,687 |
| Net charge-offs to loans | -0.0896% | 6,830 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2147% | 1,570 |
| Assets per employee ($millions) | 3.5298% | 4,904 |
| Cash dividends to net income (ytd only)* | 58.6205% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 4,387 |
| Loan loss allowance to noncurrent loans | 313.6449% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 6,086 |
| Noncurrent loans to loans | 0.4454% | 5,557 |
| Net loans and leases to total assets | 54.1152% | 4,734 |
| Net loans and leases to deposits | 69.7297% | 3,932 |
| Net loans and leases to core deposits | 73.3175% | 4,070 |
| Total domestic deposits to total assets | 77.6071% | 6,142 |
| Equity capital to assets | 18.0355% | 361 |
| Core capital (leverage) ratio | 17.3157% | 349 |
| Tier 1 risk-based capital ratio | 31.3154% | 468 |
| Total risk-based capital ratio | 32.5666% | 466 |
| Memoranda: | ||
| Average total assets | $223,831,750 | 2,815 |
| Average earning assets | $194,215,500 | 2,941 |
| Average equity | $39,166,000 | 1,789 |
| Average total loans | $119,094,500 | 3,136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 6,244 |
| Cost of funding earning assets | 0.2319% | 6,968 |
| Net interest margin | 3.5212% | 4,587 |
| Noninterest income to average assets | 0.6475% | 2,967 |
| Noninterest expense to average assets | 3.2098% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4550% | 5,016 |
| Return on assets (ROA) | 0.4550% | 5,251 |
| Pretax return on assets | 0.4949% | 5,447 |
| Return on Equity (ROE) | 2.6264% | 5,833 |
| Retained earnings to average equity (ytd only) | 0.8857% | 5,718 |
| Net charge-offs to loans | -0.1920% | 6,989 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6411% | 1,373 |
| Assets per employee ($millions) | 3.5243% | 4,934 |
| Cash dividends to net income (ytd only)* | 66.2768% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 4,296 |
| Loan loss allowance to noncurrent loans | 129.3051% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 5,182 |
| Noncurrent loans to loans | 1.1125% | 4,296 |
| Net loans and leases to total assets | 52.8284% | 4,985 |
| Net loans and leases to deposits | 67.7998% | 4,235 |
| Net loans and leases to core deposits | 71.2693% | 4,383 |
| Total domestic deposits to total assets | 77.9183% | 6,170 |
| Equity capital to assets | 17.6566% | 373 |
| Core capital (leverage) ratio | 16.9563% | 371 |
| Tier 1 risk-based capital ratio | 31.6584% | 453 |
| Total risk-based capital ratio | 32.9107% | 447 |
| Memoranda: | ||
| Average total assets | $225,493,670 | 2,812 |
| Average earning assets | $195,785,000 | 2,924 |
| Average equity | $39,064,670 | 1,778 |
| Average total loans | $118,757,000 | 3,160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7363% | 6,376 |
| Cost of funding earning assets | 0.2354% | 7,043 |
| Net interest margin | 3.5009% | 4,695 |
| Noninterest income to average assets | 0.5968% | 3,248 |
| Noninterest expense to average assets | 3.1951% | 2,613 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4119% | 5,204 |
| Return on assets (ROA) | 0.4119% | 5,393 |
| Pretax return on assets | 0.4383% | 5,620 |
| Return on Equity (ROE) | 2.4003% | 5,943 |
| Retained earnings to average equity (ytd only) | 0.6565% | 5,796 |
| Net charge-offs to loans | -0.3035% | 7,068 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9360% | 1,291 |
| Assets per employee ($millions) | 3.6031% | 4,873 |
| Cash dividends to net income (ytd only)* | 72.6496% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 4,500 |
| Loan loss allowance to noncurrent loans | 379.3258% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 6,399 |
| Noncurrent loans to loans | 0.3753% | 5,921 |
| Net loans and leases to total assets | 49.9016% | 5,318 |
| Net loans and leases to deposits | 63.5631% | 4,696 |
| Net loans and leases to core deposits | 67.1144% | 4,787 |
| Total domestic deposits to total assets | 78.5071% | 6,186 |
| Equity capital to assets | 16.6287% | 481 |
| Core capital (leverage) ratio | 16.5294% | 406 |
| Tier 1 risk-based capital ratio | 31.3883% | 467 |
| Total risk-based capital ratio | 32.6395% | 458 |
| Memoranda: | ||
| Average total assets | $227,225,500 | 2,801 |
| Average earning assets | $197,091,500 | 2,934 |
| Average equity | $38,995,500 | 1,781 |
| Average total loans | $118,632,000 | 3,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 6,100 |
| Cost of funding earning assets | 0.2946% | 7,116 |
| Net interest margin | 3.8902% | 3,380 |
| Noninterest income to average assets | 0.6214% | 3,055 |
| Noninterest expense to average assets | 3.2513% | 2,688 |
| Loan and lease loss provision to assets | 0.0271% | 6,236 |
| Net operating income to assets | 0.6242% | 3,863 |
| Return on assets (ROA) | 0.6242% | 4,065 |
| Pretax return on assets | 0.7486% | 4,161 |
| Return on Equity (ROE) | 3.5358% | 5,056 |
| Retained earnings to average equity (ytd only) | 1.7679% | 4,955 |
| Net charge-offs to loans | 0.2725% | 4,065 |
| Credit loss provision to net charge-offs | 18.0428% | 5,940 |
| Earnings coverage of net charge-offs (x) | 5.1682% | 2,881 |
| Efficiency ratio | 80.7385% | 2,194 |
| Assets per employee ($millions) | 3.2873% | 5,536 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,682 |
| Loan loss allowance to noncurrent loans | 907.9545% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 6,655 |
| Noncurrent loans to loans | 0.1483% | 6,446 |
| Net loans and leases to total assets | 53.1705% | 5,144 |
| Net loans and leases to deposits | 68.5955% | 4,346 |
| Net loans and leases to core deposits | 72.6304% | 4,418 |
| Total domestic deposits to total assets | 77.5131% | 6,271 |
| Equity capital to assets | 17.7282% | 362 |
| Core capital (leverage) ratio | 17.3927% | 337 |
| Tier 1 risk-based capital ratio | 31.7842% | 436 |
| Total risk-based capital ratio | 33.0349% | 425 |
| Memoranda: | ||
| Average total assets | $217,882,800 | 2,861 |
| Average earning assets | $190,735,400 | 2,959 |
| Average equity | $38,463,400 | 1,750 |
| Average total loans | $120,012,400 | 3,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1524% | 6,309 |
| Cost of funding earning assets | 0.3017% | 7,208 |
| Net interest margin | 3.8508% | 3,610 |
| Noninterest income to average assets | 0.5700% | 3,372 |
| Noninterest expense to average assets | 3.3312% | 2,398 |
| Loan and lease loss provision to assets | 0.0362% | 5,986 |
| Net operating income to assets | 0.5203% | 4,458 |
| Return on assets (ROA) | 0.5203% | 4,642 |
| Pretax return on assets | 0.5940% | 4,829 |
| Return on Equity (ROE) | 2.9507% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.1761% | 5,541 |
| Net charge-offs to loans | 0.3623% | 3,277 |
| Credit loss provision to net charge-offs | 18.0428% | 5,584 |
| Earnings coverage of net charge-offs (x) | 3.1407% | 3,565 |
| Efficiency ratio | 84.0923% | 1,720 |
| Assets per employee ($millions) | 3.2917% | 5,497 |
| Cash dividends to net income (ytd only)* | 60.1412% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,898 |
| Loan loss allowance to noncurrent loans | 261.1111% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 6,345 |
| Noncurrent loans to loans | 0.5075% | 5,829 |
| Net loans and leases to total assets | 55.6143% | 4,899 |
| Net loans and leases to deposits | 71.5917% | 4,048 |
| Net loans and leases to core deposits | 76.1679% | 4,177 |
| Total domestic deposits to total assets | 77.6826% | 6,256 |
| Equity capital to assets | 18.1901% | 369 |
| Core capital (leverage) ratio | 17.4959% | 364 |
| Tier 1 risk-based capital ratio | 31.4533% | 473 |
| Total risk-based capital ratio | 32.7043% | 467 |
| Memoranda: | ||
| Average total assets | $217,291,500 | 2,876 |
| Average earning assets | $191,369,000 | 2,960 |
| Average equity | $38,317,750 | 1,761 |
| Average total loans | $120,339,250 | 3,189 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 6,453 |
| Cost of funding earning assets | 0.3127% | 7,290 |
| Net interest margin | 3.8053% | 3,756 |
| Noninterest income to average assets | 0.7189% | 2,442 |
| Noninterest expense to average assets | 3.3480% | 2,406 |
| Loan and lease loss provision to assets | 0.0540% | 5,639 |
| Net operating income to assets | 0.5146% | 4,439 |
| Return on assets (ROA) | 0.5146% | 4,580 |
| Pretax return on assets | 0.6603% | 4,533 |
| Return on Equity (ROE) | 2.9488% | 5,411 |
| Retained earnings to average equity (ytd only) | 1.1648% | 5,398 |
| Net charge-offs to loans | 0.0965% | 4,713 |
| Credit loss provision to net charge-offs | 101.7241% | 3,046 |
| Earnings coverage of net charge-offs (x) | 13.4483% | 1,545 |
| Efficiency ratio | 82.4166% | 2,044 |
| Assets per employee ($millions) | 3.2702% | 5,481 |
| Cash dividends to net income (ytd only)* | 60.4982% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 3,853 |
| Loan loss allowance to noncurrent loans | 298.2428% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 5,740 |
| Noncurrent loans to loans | 0.5239% | 5,857 |
| Net loans and leases to total assets | 54.4939% | 5,222 |
| Net loans and leases to deposits | 69.8550% | 4,460 |
| Net loans and leases to core deposits | 74.2002% | 4,557 |
| Total domestic deposits to total assets | 78.0101% | 6,289 |
| Equity capital to assets | 17.8016% | 401 |
| Core capital (leverage) ratio | 17.3866% | 376 |
| Tier 1 risk-based capital ratio | 31.5060% | 473 |
| Total risk-based capital ratio | 32.7597% | 465 |
| Memoranda: | ||
| Average total assets | $218,401,000 | 2,874 |
| Average earning assets | $191,889,670 | 2,973 |
| Average equity | $38,117,000 | 1,760 |
| Average total loans | $120,255,000 | 3,225 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 6,512 |
| Cost of funding earning assets | 0.3357% | 7,339 |
| Net interest margin | 3.7593% | 3,803 |
| Noninterest income to average assets | 0.5171% | 3,748 |
| Noninterest expense to average assets | 3.2082% | 2,871 |
| Loan and lease loss provision to assets | 0.1074% | 4,667 |
| Net operating income to assets | 0.4224% | 4,843 |
| Return on assets (ROA) | 0.4224% | 4,933 |
| Pretax return on assets | 0.4843% | 5,072 |
| Return on Equity (ROE) | 2.4444% | 5,620 |
| Retained earnings to average equity (ytd only) | 0.6532% | 5,565 |
| Net charge-offs to loans | 0.0962% | 3,985 |
| Credit loss provision to net charge-offs | 203.4483% | 1,462 |
| Earnings coverage of net charge-offs (x) | 11.2069% | 1,569 |
| Efficiency ratio | 84.4274% | 1,906 |
| Assets per employee ($millions) | 3.2955% | 5,491 |
| Cash dividends to net income (ytd only)* | 73.2759% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 3,737 |
| Loan loss allowance to noncurrent loans | 246.5540% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 5,516 |
| Noncurrent loans to loans | 0.6482% | 5,733 |
| Net loans and leases to total assets | 52.8739% | 5,472 |
| Net loans and leases to deposits | 66.8943% | 4,846 |
| Net loans and leases to core deposits | 70.3128% | 5,006 |
| Total domestic deposits to total assets | 79.0409% | 6,175 |
| Equity capital to assets | 17.2028% | 424 |
| Core capital (leverage) ratio | 16.8512% | 404 |
| Tier 1 risk-based capital ratio | 31.4428% | 461 |
| Total risk-based capital ratio | 32.6966% | 449 |
| Memoranda: | ||
| Average total assets | $219,684,000 | 2,886 |
| Average earning assets | $191,845,500 | 2,986 |
| Average equity | $37,964,500 | 1,752 |
| Average total loans | $120,640,500 | 3,245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 6,837 |
| Cost of funding earning assets | 0.4364% | 7,390 |
| Net interest margin | 3.8304% | 3,817 |
| Noninterest income to average assets | 0.5531% | 3,799 |
| Noninterest expense to average assets | 3.2244% | 2,999 |
| Loan and lease loss provision to assets | 0.0555% | 6,589 |
| Net operating income to assets | 0.6060% | 3,644 |
| Return on assets (ROA) | 0.6063% | 3,809 |
| Pretax return on assets | 0.7491% | 3,800 |
| Return on Equity (ROE) | 3.5776% | 4,710 |
| Retained earnings to average equity (ytd only) | 1.7822% | 4,610 |
| Net charge-offs to loans | 0.2504% | 4,788 |
| Credit loss provision to net charge-offs | 38.8715% | 6,406 |
| Earnings coverage of net charge-offs (x) | 5.6332% | 2,574 |
| Efficiency ratio | 80.0400% | 2,408 |
| Assets per employee ($millions) | 3.3116% | 5,409 |
| Cash dividends to net income (ytd only)* | 50.1845% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,888 |
| Loan loss allowance to noncurrent loans | 135.6105% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 5,136 |
| Noncurrent loans to loans | 1.1220% | 4,865 |
| Net loans and leases to total assets | 55.2567% | 5,448 |
| Net loans and leases to deposits | 69.9404% | 4,820 |
| Net loans and leases to core deposits | 73.7104% | 5,015 |
| Total domestic deposits to total assets | 79.0055% | 6,077 |
| Equity capital to assets | 17.3608% | 417 |
| Core capital (leverage) ratio | 16.7995% | 412 |
| Tier 1 risk-based capital ratio | 30.8082% | 476 |
| Total risk-based capital ratio | 32.0618% | 465 |
| Memoranda: | ||
| Average total assets | $223,480,600 | 2,825 |
| Average earning assets | $202,772,800 | 2,836 |
| Average equity | $37,874,800 | 1,734 |
| Average total loans | $127,379,800 | 3,170 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2303% | 7,053 |
| Cost of funding earning assets | 0.4570% | 7,512 |
| Net interest margin | 3.7732% | 4,083 |
| Noninterest income to average assets | 0.5530% | 3,768 |
| Noninterest expense to average assets | 3.2213% | 2,855 |
| Loan and lease loss provision to assets | 0.0736% | 6,320 |
| Net operating income to assets | 0.5774% | 3,972 |
| Return on assets (ROA) | 0.5779% | 4,127 |
| Pretax return on assets | 0.7073% | 4,208 |
| Return on Equity (ROE) | 3.4303% | 5,037 |
| Retained earnings to average equity (ytd only) | 1.6342% | 5,136 |
| Net charge-offs to loans | 0.0477% | 6,045 |
| Credit loss provision to net charge-offs | 269.5652% | 1,217 |
| Earnings coverage of net charge-offs (x) | 28.5878% | 911 |
| Efficiency ratio | 80.5012% | 2,276 |
| Assets per employee ($millions) | 3.3555% | 5,313 |
| Cash dividends to net income (ytd only)* | 52.3613% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6999% | 3,149 |
| Loan loss allowance to noncurrent loans | 88.2426% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 4,321 |
| Noncurrent loans to loans | 1.9264% | 3,774 |
| Net loans and leases to total assets | 55.0187% | 5,696 |
| Net loans and leases to deposits | 69.5604% | 5,212 |
| Net loans and leases to core deposits | 74.0078% | 5,290 |
| Total domestic deposits to total assets | 79.0948% | 6,001 |
| Equity capital to assets | 17.0657% | 510 |
| Core capital (leverage) ratio | 16.8990% | 440 |
| Tier 1 risk-based capital ratio | 30.5857% | 489 |
| Total risk-based capital ratio | 31.8421% | 478 |
| Memoranda: | ||
| Average total assets | $224,709,000 | 2,848 |
| Average earning assets | $205,371,000 | 2,845 |
| Average equity | $37,857,250 | 1,756 |
| Average total loans | $128,565,000 | 3,187 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 7,139 |
| Cost of funding earning assets | 0.4824% | 7,564 |
| Net interest margin | 3.7448% | 4,163 |
| Noninterest income to average assets | 0.5555% | 3,662 |
| Noninterest expense to average assets | 3.2376% | 2,773 |
| Loan and lease loss provision to assets | 0.1104% | 5,801 |
| Net operating income to assets | 0.5289% | 4,203 |
| Return on assets (ROA) | 0.5297% | 4,351 |
| Pretax return on assets | 0.6356% | 4,449 |
| Return on Equity (ROE) | 3.1576% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.3532% | 5,206 |
| Net charge-offs to loans | 0.1344% | 4,868 |
| Credit loss provision to net charge-offs | 142.5287% | 2,790 |
| Earnings coverage of net charge-offs (x) | 9.6207% | 1,998 |
| Efficiency ratio | 81.2919% | 2,259 |
| Assets per employee ($millions) | 3.2779% | 5,485 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 3,219 |
| Loan loss allowance to noncurrent loans | 89.8116% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.5390% | 4,153 |
| Noncurrent loans to loans | 1.8495% | 3,935 |
| Net loans and leases to total assets | 56.5569% | 5,614 |
| Net loans and leases to deposits | 72.0635% | 4,981 |
| Net loans and leases to core deposits | 76.6475% | 5,122 |
| Total domestic deposits to total assets | 78.4820% | 6,152 |
| Equity capital to assets | 17.3166% | 488 |
| Core capital (leverage) ratio | 16.7688% | 469 |
| Tier 1 risk-based capital ratio | 30.3445% | 492 |
| Total risk-based capital ratio | 31.6004% | 483 |
| Memoranda: | ||
| Average total assets | $224,672,000 | 2,875 |
| Average earning assets | $205,618,330 | 2,866 |
| Average equity | $37,687,330 | 1,766 |
| Average total loans | $129,476,000 | 3,208 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 7,296 |
| Cost of funding earning assets | 0.5194% | 7,650 |
| Net interest margin | 3.6456% | 4,514 |
| Noninterest income to average assets | 0.4542% | 4,427 |
| Noninterest expense to average assets | 3.1514% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4771% | 4,506 |
| Return on assets (ROA) | 0.4771% | 4,635 |
| Pretax return on assets | 0.6514% | 4,407 |
| Return on Equity (ROE) | 2.8894% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.0769% | 5,384 |
| Net charge-offs to loans | 0.2899% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.8947% | 2,753 |
| Efficiency ratio | 82.8704% | 2,153 |
| Assets per employee ($millions) | 3.3250% | 5,491 |
| Cash dividends to net income (ytd only)* | 62.7306% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,747 |
| Loan loss allowance to noncurrent loans | 79.1465% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5069% | 4,245 |
| Noncurrent loans to loans | 1.9337% | 3,882 |
| Net loans and leases to total assets | 55.9468% | 5,752 |
| Net loans and leases to deposits | 70.6564% | 5,244 |
| Net loans and leases to core deposits | 75.9236% | 5,267 |
| Total domestic deposits to total assets | 79.1815% | 6,034 |
| Equity capital to assets | 16.6314% | 576 |
| Core capital (leverage) ratio | 16.1462% | 557 |
| Tier 1 risk-based capital ratio | 29.5632% | 547 |
| Total risk-based capital ratio | 30.8172% | 530 |
| Memoranda: | ||
| Average total assets | $227,200,000 | 2,903 |
| Average earning assets | $208,688,000 | 2,889 |
| Average equity | $37,516,000 | 1,793 |
| Average total loans | $131,061,000 | 3,242 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 7,080 |
| Cost of funding earning assets | 0.8491% | 7,488 |
| Net interest margin | 3.8885% | 3,315 |
| Noninterest income to average assets | 0.5091% | 4,341 |
| Noninterest expense to average assets | 3.1493% | 3,550 |
| Loan and lease loss provision to assets | 0.2543% | 5,361 |
| Net operating income to assets | 0.5875% | 3,375 |
| Return on assets (ROA) | 0.5875% | 3,454 |
| Pretax return on assets | 0.6981% | 3,582 |
| Return on Equity (ROE) | 3.5211% | 4,282 |
| Retained earnings to average equity (ytd only) | 1.6961% | 3,899 |
| Net charge-offs to loans | 0.5981% | 3,424 |
| Credit loss provision to net charge-offs | 69.3529% | 6,502 |
| Earnings coverage of net charge-offs (x) | 2.5971% | 3,818 |
| Efficiency ratio | 76.7795% | 3,394 |
| Assets per employee ($millions) | 3.4591% | 5,106 |
| Cash dividends to net income (ytd only)* | 51.8293% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,517 |
| Loan loss allowance to noncurrent loans | 63.2985% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5190% | 4,099 |
| Noncurrent loans to loans | 2.4360% | 3,115 |
| Net loans and leases to total assets | 57.6431% | 5,720 |
| Net loans and leases to deposits | 73.4143% | 5,133 |
| Net loans and leases to core deposits | 87.8429% | 5,344 |
| Total domestic deposits to total assets | 78.5176% | 6,112 |
| Equity capital to assets | 16.3944% | 643 |
| Core capital (leverage) ratio | 16.1363% | 600 |
| Tier 1 risk-based capital ratio | 28.7712% | 592 |
| Total risk-based capital ratio | 30.0253% | 578 |
| Memoranda: | ||
| Average total assets | $223,316,400 | 2,901 |
| Average earning assets | $206,327,000 | 2,885 |
| Average equity | $37,261,000 | 1,801 |
| Average total loans | $136,941,400 | 3,138 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 7,090 |
| Cost of funding earning assets | 0.9184% | 7,527 |
| Net interest margin | 3.8969% | 3,245 |
| Noninterest income to average assets | 0.5013% | 4,468 |
| Noninterest expense to average assets | 3.2067% | 3,281 |
| Loan and lease loss provision to assets | 0.2732% | 4,785 |
| Net operating income to assets | 0.5386% | 3,834 |
| Return on assets (ROA) | 0.5386% | 3,918 |
| Pretax return on assets | 0.6238% | 4,113 |
| Return on Equity (ROE) | 3.2133% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.3864% | 4,544 |
| Net charge-offs to loans | 0.0290% | 6,475 |
| Credit loss provision to net charge-offs | 1,516.6667% | 256 |
| Earnings coverage of net charge-offs (x) | 49.7988% | 641 |
| Efficiency ratio | 78.1419% | 3,144 |
| Assets per employee ($millions) | 3.3421% | 5,279 |
| Cash dividends to net income (ytd only)* | 56.8559% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 1,797 |
| Loan loss allowance to noncurrent loans | 70.1975% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 3,723 |
| Noncurrent loans to loans | 2.8520% | 2,664 |
| Net loans and leases to total assets | 58.9518% | 5,744 |
| Net loans and leases to deposits | 74.2445% | 5,335 |
| Net loans and leases to core deposits | 92.6137% | 5,177 |
| Total domestic deposits to total assets | 79.4022% | 5,659 |
| Equity capital to assets | 16.5003% | 705 |
| Core capital (leverage) ratio | 16.1342% | 657 |
| Tier 1 risk-based capital ratio | 28.3701% | 664 |
| Total risk-based capital ratio | 29.6304% | 644 |
| Memoranda: | ||
| Average total assets | $222,069,750 | 2,930 |
| Average earning assets | $205,288,250 | 2,917 |
| Average equity | $37,219,000 | 1,824 |
| Average total loans | $137,761,250 | 3,158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 7,065 |
| Cost of funding earning assets | 0.9796% | 7,581 |
| Net interest margin | 3.9075% | 3,081 |
| Noninterest income to average assets | 0.4929% | 4,506 |
| Noninterest expense to average assets | 3.2949% | 2,978 |
| Loan and lease loss provision to assets | 0.3222% | 4,010 |
| Net operating income to assets | 0.4457% | 4,310 |
| Return on assets (ROA) | 0.4457% | 4,415 |
| Pretax return on assets | 0.4856% | 4,670 |
| Return on Equity (ROE) | 2.6451% | 5,036 |
| Retained earnings to average equity (ytd only) | 0.8135% | 4,866 |
| Net charge-offs to loans | 0.0463% | 5,829 |
| Credit loss provision to net charge-offs | 1,109.3750% | 444 |
| Earnings coverage of net charge-offs (x) | 27.8125% | 1,048 |
| Efficiency ratio | 80.3097% | 2,991 |
| Assets per employee ($millions) | 3.3194% | 5,262 |
| Cash dividends to net income (ytd only)* | 69.2464% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 1,717 |
| Loan loss allowance to noncurrent loans | 77.2727% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.5533% | 3,895 |
| Noncurrent loans to loans | 2.4984% | 2,899 |
| Net loans and leases to total assets | 59.2999% | 5,793 |
| Net loans and leases to deposits | 75.0095% | 5,318 |
| Net loans and leases to core deposits | 93.8646% | 5,134 |
| Total domestic deposits to total assets | 79.0565% | 5,794 |
| Equity capital to assets | 16.4104% | 768 |
| Core capital (leverage) ratio | 16.3243% | 699 |
| Tier 1 risk-based capital ratio | 28.3576% | 695 |
| Total risk-based capital ratio | 29.6177% | 686 |
| Memoranda: | ||
| Average total assets | $220,339,000 | 2,971 |
| Average earning assets | $203,559,330 | 2,952 |
| Average equity | $37,125,670 | 1,839 |
| Average total loans | $138,111,000 | 3,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 6,829 |
| Cost of funding earning assets | 1.0550% | 7,590 |
| Net interest margin | 3.9862% | 2,700 |
| Noninterest income to average assets | 0.4521% | 4,749 |
| Noninterest expense to average assets | 3.2051% | 2,965 |
| Loan and lease loss provision to assets | 0.2113% | 4,336 |
| Net operating income to assets | 0.5863% | 4,074 |
| Return on assets (ROA) | 0.5863% | 4,266 |
| Pretax return on assets | 0.7020% | 4,432 |
| Return on Equity (ROE) | 3.4331% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.6035% | 4,951 |
| Net charge-offs to loans | 0.0720% | 4,469 |
| Credit loss provision to net charge-offs | 460.0000% | 1,159 |
| Earnings coverage of net charge-offs (x) | 19.8800% | 1,401 |
| Efficiency ratio | 77.8224% | 3,196 |
| Assets per employee ($millions) | 3.2815% | 5,371 |
| Cash dividends to net income (ytd only)* | 53.2915% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7520% | 1,976 |
| Loan loss allowance to noncurrent loans | 70.6263% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5842% | 3,550 |
| Noncurrent loans to loans | 2.4806% | 2,651 |
| Net loans and leases to total assets | 60.3653% | 5,596 |
| Net loans and leases to deposits | 76.6121% | 5,135 |
| Net loans and leases to core deposits | 96.1882% | 4,950 |
| Total domestic deposits to total assets | 78.7934% | 5,793 |
| Equity capital to assets | 16.7086% | 765 |
| Core capital (leverage) ratio | 16.6642% | 693 |
| Tier 1 risk-based capital ratio | 27.7814% | 771 |
| Total risk-based capital ratio | 29.0388% | 750 |
| Memoranda: | ||
| Average total assets | $217,650,000 | 3,018 |
| Average earning assets | $200,189,000 | 3,011 |
| Average equity | $37,168,000 | 1,839 |
| Average total loans | $138,924,000 | 3,193 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7703% | 6,533 |
| Cost of funding earning assets | 1.6788% | 7,306 |
| Net interest margin | 4.0915% | 2,747 |
| Noninterest income to average assets | 0.5511% | 4,223 |
| Noninterest expense to average assets | 3.1448% | 3,535 |
| Loan and lease loss provision to assets | 0.3348% | 3,708 |
| Net operating income to assets | 0.6621% | 4,056 |
| Return on assets (ROA) | 0.6851% | 3,798 |
| Pretax return on assets | 0.8327% | 3,949 |
| Return on Equity (ROE) | 4.0270% | 4,816 |
| Retained earnings to average equity (ytd only) | 2.1768% | 3,869 |
| Net charge-offs to loans | 0.1039% | 5,270 |
| Credit loss provision to net charge-offs | 501.3986% | 866 |
| Earnings coverage of net charge-offs (x) | 17.0629% | 1,799 |
| Efficiency ratio | 73.4031% | 3,678 |
| Assets per employee ($millions) | 2.9881% | 6,083 |
| Cash dividends to net income (ytd only)* | 45.9441% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,092 |
| Loan loss allowance to noncurrent loans | 74.4605% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 3,201 |
| Noncurrent loans to loans | 2.2061% | 2,502 |
| Net loans and leases to total assets | 65.2503% | 5,002 |
| Net loans and leases to deposits | 82.6258% | 4,635 |
| Net loans and leases to core deposits | 105.2082% | 4,277 |
| Total domestic deposits to total assets | 78.9708% | 5,388 |
| Equity capital to assets | 17.4644% | 722 |
| Core capital (leverage) ratio | 17.1662% | 678 |
| Tier 1 risk-based capital ratio | 27.4534% | 796 |
| Total risk-based capital ratio | 28.7093% | 773 |
| Memoranda: | ||
| Average total assets | $214,132,000 | 2,949 |
| Average earning assets | $195,378,600 | 2,954 |
| Average equity | $36,429,400 | 1,854 |
| Average total loans | $137,589,400 | 3,133 |