Home > The First National Bank of Gordon > Performance and Condition Ratios
The First National Bank of Gordon, 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 | 4.8412% | 2,394 |
| Cost of funding earning assets | 0.8147% | 3,695 |
| Net interest margin | 4.0265% | 1,167 |
| Noninterest income to average assets | 1.2400% | 479 |
| Noninterest expense to average assets | 1.8356% | 3,942 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 3.1910% | 139 |
| Return on assets (ROA) | 2.9497% | 167 |
| Pretax return on assets | 2.9865% | 207 |
| Return on Equity (ROE) | 28.2300% | 210 |
| Retained earnings to average equity (ytd only) | 13.2821% | 470 |
| Net charge-offs to loans | -0.0213% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 36.0609% | 4,434 |
| Assets per employee ($millions) | 8.0576% | 1,403 |
| Cash dividends to net income (ytd only)* | 52.9509% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1048% | 107 |
| Loan loss allowance to noncurrent loans | 422.9120% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 1,851 |
| Noncurrent loans to loans | 0.7341% | 1,063 |
| Net loans and leases to total assets | 36.2800% | 4,141 |
| Net loans and leases to deposits | 41.1881% | 4,172 |
| Net loans and leases to core deposits | 49.3338% | 4,097 |
| Total domestic deposits to total assets | 88.0900% | 1,320 |
| Equity capital to assets | 11.2164% | 1,399 |
| Core capital (leverage) ratio | 12.0529% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6794% | 278 |
| Memoranda: | ||
| Average total assets | $307,318,800 | 2,395 |
| Average earning assets | $293,730,400 | 2,337 |
| Average equity | $32,111,000 | 2,183 |
| Average total loans | $117,586,800 | 2,982 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 2,660 |
| Cost of funding earning assets | 0.6779% | 3,817 |
| Net interest margin | 3.9289% | 1,347 |
| Noninterest income to average assets | 1.2800% | 467 |
| Noninterest expense to average assets | 1.6953% | 4,134 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 3.2710% | 150 |
| Return on assets (ROA) | 3.1254% | 166 |
| Pretax return on assets | 3.1667% | 205 |
| Return on Equity (ROE) | 30.5100% | 214 |
| Retained earnings to average equity (ytd only) | 16.3592% | 435 |
| Net charge-offs to loans | -0.0947% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 33.6237% | 4,480 |
| Assets per employee ($millions) | 7.6692% | 1,525 |
| Cash dividends to net income (ytd only)* | 46.3744% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1558% | 109 |
| Loan loss allowance to noncurrent loans | 370.4966% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 1,686 |
| Noncurrent loans to loans | 0.8518% | 973 |
| Net loans and leases to total assets | 38.0600% | 4,126 |
| Net loans and leases to deposits | 42.6158% | 4,145 |
| Net loans and leases to core deposits | 50.2109% | 4,035 |
| Total domestic deposits to total assets | 89.3200% | 1,151 |
| Equity capital to assets | 10.0712% | 1,791 |
| Core capital (leverage) ratio | 13.2950% | 989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5185% | 301 |
| Memoranda: | ||
| Average total assets | $303,572,500 | 2,418 |
| Average earning assets | $290,487,000 | 2,363 |
| Average equity | $31,101,000 | 2,206 |
| Average total loans | $116,812,500 | 2,992 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,598 |
| Cost of funding earning assets | 0.5424% | 3,904 |
| Net interest margin | 3.9767% | 1,283 |
| Noninterest income to average assets | 1.2900% | 401 |
| Noninterest expense to average assets | 1.6952% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.3573% | 127 |
| Return on assets (ROA) | 3.1622% | 135 |
| Pretax return on assets | 3.2039% | 178 |
| Return on Equity (ROE) | 30.6900% | 202 |
| Retained earnings to average equity (ytd only) | 15.9322% | 480 |
| Net charge-offs to loans | -0.3825% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 33.2641% | 4,513 |
| Assets per employee ($millions) | 7.2362% | 1,761 |
| Cash dividends to net income (ytd only)* | 48.0870% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2286% | 116 |
| Loan loss allowance to noncurrent loans | 419.9783% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 1,647 |
| Noncurrent loans to loans | 0.7687% | 987 |
| Net loans and leases to total assets | 40.0500% | 4,038 |
| Net loans and leases to deposits | 45.3615% | 4,061 |
| Net loans and leases to core deposits | 52.9020% | 3,923 |
| Total domestic deposits to total assets | 88.3000% | 1,495 |
| Equity capital to assets | 11.1654% | 1,315 |
| Core capital (leverage) ratio | 12.6807% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4206% | 304 |
| Memoranda: | ||
| Average total assets | $302,507,667 | 2,430 |
| Average earning assets | $289,438,000 | 2,373 |
| Average equity | $31,169,667 | 2,213 |
| Average total loans | $115,559,667 | 3,000 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,707 |
| Cost of funding earning assets | 0.4106% | 3,937 |
| Net interest margin | 3.9281% | 1,412 |
| Noninterest income to average assets | 1.2800% | 404 |
| Noninterest expense to average assets | 1.5700% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.4174% | 124 |
| Return on assets (ROA) | 3.3239% | 129 |
| Pretax return on assets | 3.3653% | 156 |
| Return on Equity (ROE) | 33.5700% | 181 |
| Retained earnings to average equity (ytd only) | 17.8850% | 523 |
| Net charge-offs to loans | -0.6030% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 31.2146% | 4,598 |
| Assets per employee ($millions) | 7.8506% | 1,435 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3061% | 104 |
| Loan loss allowance to noncurrent loans | 307.4074% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 1,237 |
| Noncurrent loans to loans | 1.0755% | 665 |
| Net loans and leases to total assets | 37.4300% | 4,140 |
| Net loans and leases to deposits | 42.1487% | 4,160 |
| Net loans and leases to core deposits | 49.2368% | 4,012 |
| Total domestic deposits to total assets | 88.8100% | 1,609 |
| Equity capital to assets | 10.7528% | 1,431 |
| Core capital (leverage) ratio | 11.5085% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3154% | 288 |
| Memoranda: | ||
| Average total assets | $309,037,000 | 2,413 |
| Average earning assets | $295,205,500 | 2,373 |
| Average equity | $30,595,500 | 2,267 |
| Average total loans | $113,436,500 | 3,054 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1788% | 3,854 |
| Cost of funding earning assets | 0.2340% | 3,473 |
| Net interest margin | 2.9449% | 3,582 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 1.7049% | 4,167 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.7238% | 516 |
| Return on assets (ROA) | 1.6491% | 575 |
| Pretax return on assets | 1.6894% | 948 |
| Return on Equity (ROE) | 17.3200% | 806 |
| Retained earnings to average equity (ytd only) | 11.7741% | 719 |
| Net charge-offs to loans | 0.4913% | 151 |
| Credit loss provision to net charge-offs | 36.4299% | 1,872 |
| Earnings coverage of net charge-offs (x) | 10.1038% | 2,202 |
| Efficiency ratio | 48.2073% | 4,227 |
| Assets per employee ($millions) | 8.4145% | 1,136 |
| Cash dividends to net income (ytd only)* | 32.0384% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2481% | 100 |
| Loan loss allowance to noncurrent loans | 306.6102% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 1,389 |
| Noncurrent loans to loans | 1.0594% | 680 |
| Net loans and leases to total assets | 33.7000% | 4,295 |
| Net loans and leases to deposits | 37.5241% | 4,309 |
| Net loans and leases to core deposits | 43.1992% | 4,201 |
| Total domestic deposits to total assets | 89.8200% | 1,440 |
| Equity capital to assets | 9.1049% | 2,292 |
| Core capital (leverage) ratio | 10.9154% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6949% | 311 |
| Memoranda: | ||
| Average total assets | $302,835,000 | 2,433 |
| Average earning assets | $288,910,000 | 2,394 |
| Average equity | $28,826,000 | 2,388 |
| Average total loans | $111,754,200 | 3,008 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9325% | 4,009 |
| Cost of funding earning assets | 0.1995% | 3,280 |
| Net interest margin | 2.7330% | 3,866 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 1.5864% | 4,314 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.5433% | 753 |
| Return on assets (ROA) | 1.5480% | 732 |
| Pretax return on assets | 1.5882% | 1,146 |
| Return on Equity (ROE) | 16.0800% | 957 |
| Retained earnings to average equity (ytd only) | 10.5118% | 1,194 |
| Net charge-offs to loans | 0.3409% | 187 |
| Credit loss provision to net charge-offs | 34.9650% | 1,584 |
| Earnings coverage of net charge-offs (x) | 12.7483% | 1,904 |
| Efficiency ratio | 49.3541% | 4,193 |
| Assets per employee ($millions) | 7.9836% | 1,338 |
| Cash dividends to net income (ytd only)* | 34.6121% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2529% | 108 |
| Loan loss allowance to noncurrent loans | 220.9819% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 971 |
| Noncurrent loans to loans | 1.4720% | 483 |
| Net loans and leases to total assets | 36.1200% | 4,222 |
| Net loans and leases to deposits | 39.9036% | 4,240 |
| Net loans and leases to core deposits | 48.4411% | 4,016 |
| Total domestic deposits to total assets | 90.5100% | 1,435 |
| Equity capital to assets | 8.4147% | 2,597 |
| Core capital (leverage) ratio | 10.9334% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4821% | 366 |
| Memoranda: | ||
| Average total assets | $298,606,000 | 2,474 |
| Average earning assets | $284,714,000 | 2,435 |
| Average equity | $28,754,250 | 2,422 |
| Average total loans | $111,845,750 | 3,024 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7434% | 4,081 |
| Cost of funding earning assets | 0.1670% | 3,356 |
| Net interest margin | 2.5764% | 3,948 |
| Noninterest income to average assets | 0.5164% | 2,106 |
| Noninterest expense to average assets | 1.5865% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3419% | 1,043 |
| Return on assets (ROA) | 1.3419% | 1,021 |
| Pretax return on assets | 1.3827% | 1,487 |
| Return on Equity (ROE) | 13.3420% | 1,280 |
| Retained earnings to average equity (ytd only) | 7.9377% | 1,641 |
| Net charge-offs to loans | 0.3805% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 9.6905% | 1,776 |
| Efficiency ratio | 53.4325% | 4,010 |
| Assets per employee ($millions) | 7.6275% | 1,531 |
| Cash dividends to net income (ytd only)* | 40.5063% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3517% | 104 |
| Loan loss allowance to noncurrent loans | 216.0437% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 929 |
| Noncurrent loans to loans | 1.5514% | 476 |
| Net loans and leases to total assets | 37.3770% | 4,197 |
| Net loans and leases to deposits | 41.9389% | 4,191 |
| Net loans and leases to core deposits | 51.2261% | 3,864 |
| Total domestic deposits to total assets | 89.1224% | 2,123 |
| Equity capital to assets | 9.7642% | 1,844 |
| Core capital (leverage) ratio | 11.0667% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6672% | 333 |
| Memoranda: | ||
| Average total assets | $294,355,000 | 2,513 |
| Average earning assets | $280,235,333 | 2,482 |
| Average equity | $29,605,667 | 2,437 |
| Average total loans | $110,382,667 | 3,058 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5944% | 4,124 |
| Cost of funding earning assets | 0.1379% | 3,662 |
| Net interest margin | 2.4565% | 3,982 |
| Noninterest income to average assets | 0.4612% | 2,350 |
| Noninterest expense to average assets | 1.5320% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2191% | 1,203 |
| Return on assets (ROA) | 1.2191% | 1,187 |
| Pretax return on assets | 1.2596% | 1,623 |
| Return on Equity (ROE) | 11.9506% | 1,326 |
| Retained earnings to average equity (ytd only) | 6.6627% | 2,004 |
| Net charge-offs to loans | -0.3616% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8792% | 3,990 |
| Assets per employee ($millions) | 7.5107% | 1,675 |
| Cash dividends to net income (ytd only)* | 44.2478% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6834% | 89 |
| Loan loss allowance to noncurrent loans | 276.7869% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 1,196 |
| Noncurrent loans to loans | 1.3308% | 654 |
| Net loans and leases to total assets | 36.2971% | 4,190 |
| Net loans and leases to deposits | 40.9885% | 4,209 |
| Net loans and leases to core deposits | 47.5309% | 4,005 |
| Total domestic deposits to total assets | 88.5542% | 2,274 |
| Equity capital to assets | 9.8628% | 1,999 |
| Core capital (leverage) ratio | 10.7625% | 1,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0806% | 326 |
| Memoranda: | ||
| Average total assets | $296,610,500 | 2,511 |
| Average earning assets | $281,372,000 | 2,496 |
| Average equity | $30,258,000 | 2,472 |
| Average total loans | $109,528,000 | 3,070 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3994% | 2,932 |
| Cost of funding earning assets | 0.2088% | 3,380 |
| Net interest margin | 3.1906% | 2,622 |
| Noninterest income to average assets | 0.3601% | 3,276 |
| Noninterest expense to average assets | 1.7479% | 4,229 |
| Loan and lease loss provision to assets | 0.1436% | 831 |
| Net operating income to assets | 1.4236% | 1,200 |
| Return on assets (ROA) | 1.4410% | 1,232 |
| Pretax return on assets | 1.4816% | 1,785 |
| Return on Equity (ROE) | 12.9724% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.8015% | 1,617 |
| Net charge-offs to loans | 0.8358% | 80 |
| Credit loss provision to net charge-offs | 43.7158% | 2,178 |
| Earnings coverage of net charge-offs (x) | 4.8929% | 2,476 |
| Efficiency ratio | 52.0972% | 4,110 |
| Assets per employee ($millions) | 7.9027% | 1,384 |
| Cash dividends to net income (ytd only)* | 39.8605% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6505% | 85 |
| Loan loss allowance to noncurrent loans | 161.2602% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8192% | 727 |
| Noncurrent loans to loans | 2.2638% | 318 |
| Net loans and leases to total assets | 34.8656% | 4,338 |
| Net loans and leases to deposits | 39.6186% | 4,350 |
| Net loans and leases to core deposits | 45.7638% | 4,193 |
| Total domestic deposits to total assets | 88.0031% | 2,047 |
| Equity capital to assets | 10.5314% | 2,144 |
| Core capital (leverage) ratio | 10.7673% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5596% | 370 |
| Memoranda: | ||
| Average total assets | $278,555,200 | 2,555 |
| Average earning assets | $261,484,200 | 2,542 |
| Average equity | $30,942,600 | 2,475 |
| Average total loans | $109,478,600 | 3,084 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 2,352 |
| Cost of funding earning assets | 0.2154% | 3,463 |
| Net interest margin | 3.4554% | 1,993 |
| Noninterest income to average assets | 0.2329% | 4,002 |
| Noninterest expense to average assets | 1.6881% | 4,345 |
| Loan and lease loss provision to assets | 0.1465% | 772 |
| Net operating income to assets | 1.5939% | 1,051 |
| Return on assets (ROA) | 1.5939% | 1,092 |
| Pretax return on assets | 1.6329% | 1,601 |
| Return on Equity (ROE) | 14.1468% | 1,352 |
| Retained earnings to average equity (ytd only) | 8.9474% | 1,719 |
| Net charge-offs to loans | 0.9786% | 67 |
| Credit loss provision to net charge-offs | 37.2671% | 1,931 |
| Earnings coverage of net charge-offs (x) | 4.5280% | 2,263 |
| Efficiency ratio | 48.6837% | 4,321 |
| Assets per employee ($millions) | 7.5567% | 1,535 |
| Cash dividends to net income (ytd only)* | 36.7534% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5594% | 100 |
| Loan loss allowance to noncurrent loans | 148.0640% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 754 |
| Noncurrent loans to loans | 2.4040% | 323 |
| Net loans and leases to total assets | 36.5628% | 4,360 |
| Net loans and leases to deposits | 41.7922% | 4,385 |
| Net loans and leases to core deposits | 48.5132% | 4,213 |
| Total domestic deposits to total assets | 87.4871% | 2,114 |
| Equity capital to assets | 10.7196% | 2,245 |
| Core capital (leverage) ratio | 10.3847% | 2,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5055% | 399 |
| Memoranda: | ||
| Average total assets | $273,118,500 | 2,603 |
| Average earning assets | $255,669,250 | 2,598 |
| Average equity | $30,771,750 | 2,514 |
| Average total loans | $109,681,000 | 3,121 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 1,078 |
| Cost of funding earning assets | 0.2270% | 3,498 |
| Net interest margin | 4.0303% | 780 |
| Noninterest income to average assets | 0.1647% | 4,375 |
| Noninterest expense to average assets | 1.7494% | 4,283 |
| Loan and lease loss provision to assets | 0.1504% | 788 |
| Net operating income to assets | 1.9946% | 490 |
| Return on assets (ROA) | 1.9946% | 516 |
| Pretax return on assets | 2.0307% | 789 |
| Return on Equity (ROE) | 17.3911% | 733 |
| Retained earnings to average equity (ytd only) | 12.1449% | 884 |
| Net charge-offs to loans | 1.2569% | 54 |
| Credit loss provision to net charge-offs | 29.1971% | 1,706 |
| Earnings coverage of net charge-offs (x) | 4.2336% | 2,039 |
| Efficiency ratio | 44.5082% | 4,589 |
| Assets per employee ($millions) | 8.5583% | 986 |
| Cash dividends to net income (ytd only)* | 30.1659% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4025% | 108 |
| Loan loss allowance to noncurrent loans | 140.5909% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 806 |
| Noncurrent loans to loans | 2.4202% | 348 |
| Net loans and leases to total assets | 37.8829% | 4,385 |
| Net loans and leases to deposits | 43.2007% | 4,413 |
| Net loans and leases to core deposits | 48.0523% | 4,326 |
| Total domestic deposits to total assets | 87.6904% | 1,991 |
| Equity capital to assets | 10.5235% | 2,374 |
| Core capital (leverage) ratio | 10.9232% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1301% | 424 |
| Memoranda: | ||
| Average total assets | $265,920,667 | 2,641 |
| Average earning assets | $248,465,333 | 2,640 |
| Average equity | $30,498,333 | 2,512 |
| Average total loans | $108,997,333 | 3,138 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 1,458 |
| Cost of funding earning assets | 0.2567% | 3,413 |
| Net interest margin | 3.8122% | 1,108 |
| Noninterest income to average assets | 0.1686% | 4,355 |
| Noninterest expense to average assets | 1.9268% | 3,922 |
| Loan and lease loss provision to assets | 0.2409% | 448 |
| Net operating income to assets | 1.5158% | 1,292 |
| Return on assets (ROA) | 1.5158% | 1,357 |
| Pretax return on assets | 1.5543% | 1,845 |
| Return on Equity (ROE) | 12.5923% | 1,797 |
| Retained earnings to average equity (ytd only) | 7.2566% | 2,493 |
| Net charge-offs to loans | 1.8938% | 40 |
| Credit loss provision to net charge-offs | 30.2419% | 1,387 |
| Earnings coverage of net charge-offs (x) | 2.2540% | 1,814 |
| Efficiency ratio | 51.7688% | 4,017 |
| Assets per employee ($millions) | 7.3590% | 1,552 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9788% | 73 |
| Loan loss allowance to noncurrent loans | 205.1587% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 1,147 |
| Noncurrent loans to loans | 1.9394% | 570 |
| Net loans and leases to total assets | 38.7539% | 4,391 |
| Net loans and leases to deposits | 44.9280% | 4,395 |
| Net loans and leases to core deposits | 48.5349% | 4,356 |
| Total domestic deposits to total assets | 86.2578% | 2,645 |
| Equity capital to assets | 11.7051% | 1,435 |
| Core capital (leverage) ratio | 12.4533% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4939% | 378 |
| Memoranda: | ||
| Average total assets | $249,111,500 | 2,730 |
| Average earning assets | $232,199,000 | 2,728 |
| Average equity | $29,986,500 | 2,545 |
| Average total loans | $104,760,500 | 3,202 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 2,362 |
| Cost of funding earning assets | 0.4407% | 3,344 |
| Net interest margin | 3.6806% | 1,868 |
| Noninterest income to average assets | 0.3264% | 3,506 |
| Noninterest expense to average assets | 1.8843% | 4,348 |
| Loan and lease loss provision to assets | 0.4003% | 784 |
| Net operating income to assets | 1.4561% | 909 |
| Return on assets (ROA) | 1.4561% | 990 |
| Pretax return on assets | 1.4961% | 1,338 |
| Return on Equity (ROE) | 11.2070% | 1,554 |
| Retained earnings to average equity (ytd only) | 5.3878% | 2,101 |
| Net charge-offs to loans | 0.3776% | 455 |
| Credit loss provision to net charge-offs | 222.2222% | 2,055 |
| Earnings coverage of net charge-offs (x) | 10.5284% | 2,454 |
| Efficiency ratio | 49.8412% | 4,542 |
| Assets per employee ($millions) | 6.8760% | 1,660 |
| Cash dividends to net income (ytd only)* | 51.9243% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2456% | 60 |
| Loan loss allowance to noncurrent loans | 126.5030% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.4789% | 502 |
| Noncurrent loans to loans | 3.3561% | 224 |
| Net loans and leases to total assets | 42.0042% | 4,351 |
| Net loans and leases to deposits | 49.2219% | 4,346 |
| Net loans and leases to core deposits | 54.7989% | 4,217 |
| Total domestic deposits to total assets | 85.3365% | 2,641 |
| Equity capital to assets | 12.3931% | 1,369 |
| Core capital (leverage) ratio | 12.5574% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9233% | 446 |
| Memoranda: | ||
| Average total assets | $224,853,800 | 2,765 |
| Average earning assets | $211,027,200 | 2,742 |
| Average equity | $29,214,000 | 2,526 |
| Average total loans | $107,256,200 | 3,135 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 1,757 |
| Cost of funding earning assets | 0.4880% | 3,304 |
| Net interest margin | 3.9445% | 1,249 |
| Noninterest income to average assets | 0.2704% | 3,848 |
| Noninterest expense to average assets | 1.8916% | 4,342 |
| Loan and lease loss provision to assets | 0.5432% | 507 |
| Net operating income to assets | 1.5095% | 885 |
| Return on assets (ROA) | 1.5095% | 965 |
| Pretax return on assets | 1.5482% | 1,336 |
| Return on Equity (ROE) | 11.4743% | 1,522 |
| Retained earnings to average equity (ytd only) | 5.5101% | 2,321 |
| Net charge-offs to loans | 0.4433% | 358 |
| Credit loss provision to net charge-offs | 251.3966% | 1,916 |
| Earnings coverage of net charge-offs (x) | 9.6788% | 2,413 |
| Efficiency ratio | 47.4920% | 4,640 |
| Assets per employee ($millions) | 6.5863% | 1,766 |
| Cash dividends to net income (ytd only)* | 51.9792% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2351% | 56 |
| Loan loss allowance to noncurrent loans | 227.7024% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9405% | 1,208 |
| Noncurrent loans to loans | 1.8599% | 693 |
| Net loans and leases to total assets | 43.1919% | 4,455 |
| Net loans and leases to deposits | 50.6935% | 4,466 |
| Net loans and leases to core deposits | 56.1135% | 4,380 |
| Total domestic deposits to total assets | 85.2020% | 2,360 |
| Equity capital to assets | 12.5117% | 1,422 |
| Core capital (leverage) ratio | 12.3053% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8336% | 463 |
| Memoranda: | ||
| Average total assets | $220,902,500 | 2,774 |
| Average earning assets | $207,914,750 | 2,746 |
| Average equity | $29,061,250 | 2,526 |
| Average total loans | $107,678,000 | 3,133 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 1,163 |
| Cost of funding earning assets | 0.5677% | 3,137 |
| Net interest margin | 4.2365% | 847 |
| Noninterest income to average assets | 0.2432% | 4,028 |
| Noninterest expense to average assets | 1.9155% | 4,388 |
| Loan and lease loss provision to assets | 0.5568% | 595 |
| Net operating income to assets | 1.7141% | 606 |
| Return on assets (ROA) | 1.7141% | 661 |
| Pretax return on assets | 1.7531% | 885 |
| Return on Equity (ROE) | 12.7999% | 1,149 |
| Retained earnings to average equity (ytd only) | 6.5628% | 1,841 |
| Net charge-offs to loans | 0.7172% | 218 |
| Credit loss provision to net charge-offs | 155.0388% | 2,105 |
| Earnings coverage of net charge-offs (x) | 6.4315% | 2,440 |
| Efficiency ratio | 45.3327% | 4,757 |
| Assets per employee ($millions) | 6.0667% | 2,127 |
| Cash dividends to net income (ytd only)* | 48.7277% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7849% | 75 |
| Loan loss allowance to noncurrent loans | 202.1174% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 990 |
| Noncurrent loans to loans | 1.8726% | 736 |
| Net loans and leases to total assets | 46.3133% | 4,349 |
| Net loans and leases to deposits | 54.7759% | 4,347 |
| Net loans and leases to core deposits | 58.4271% | 4,334 |
| Total domestic deposits to total assets | 84.5507% | 2,543 |
| Equity capital to assets | 12.8458% | 1,222 |
| Core capital (leverage) ratio | 11.8977% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0509% | 498 |
| Memoranda: | ||
| Average total assets | $215,501,000 | 2,792 |
| Average earning assets | $202,574,333 | 2,759 |
| Average equity | $28,859,667 | 2,529 |
| Average total loans | $107,924,000 | 3,127 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2226% | 633 |
| Cost of funding earning assets | 0.6336% | 3,251 |
| Net interest margin | 4.5890% | 424 |
| Noninterest income to average assets | 0.4616% | 2,739 |
| Noninterest expense to average assets | 1.9751% | 4,447 |
| Loan and lease loss provision to assets | 0.5770% | 485 |
| Net operating income to assets | 2.1771% | 191 |
| Return on assets (ROA) | 2.1771% | 209 |
| Pretax return on assets | 2.2136% | 285 |
| Return on Equity (ROE) | 15.8975% | 434 |
| Retained earnings to average equity (ytd only) | 9.5778% | 829 |
| Net charge-offs to loans | 1.0564% | 148 |
| Credit loss provision to net charge-offs | 106.7616% | 1,779 |
| Earnings coverage of net charge-offs (x) | 5.1637% | 2,081 |
| Efficiency ratio | 41.4447% | 4,960 |
| Assets per employee ($millions) | 5.7743% | 1,867 |
| Cash dividends to net income (ytd only)* | 39.7527% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8653% | 85 |
| Loan loss allowance to noncurrent loans | 164.4499% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 984 |
| Noncurrent loans to loans | 2.3504% | 531 |
| Net loans and leases to total assets | 46.6344% | 4,396 |
| Net loans and leases to deposits | 55.7852% | 4,375 |
| Net loans and leases to core deposits | 60.9610% | 4,316 |
| Total domestic deposits to total assets | 83.5965% | 2,919 |
| Equity capital to assets | 13.6036% | 1,178 |
| Core capital (leverage) ratio | 13.9961% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5058% | 530 |
| Memoranda: | ||
| Average total assets | $207,984,500 | 2,809 |
| Average earning assets | $195,074,500 | 2,782 |
| Average equity | $28,482,500 | 2,540 |
| Average total loans | $106,402,000 | 3,134 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 1,135 |
| Cost of funding earning assets | 0.7467% | 2,934 |
| Net interest margin | 4.3922% | 905 |
| Noninterest income to average assets | 0.4641% | 2,933 |
| Noninterest expense to average assets | 2.2205% | 4,120 |
| Loan and lease loss provision to assets | 0.6847% | 165 |
| Net operating income to assets | 1.6762% | 696 |
| Return on assets (ROA) | 1.6762% | 743 |
| Pretax return on assets | 1.7148% | 1,154 |
| Return on Equity (ROE) | 12.1685% | 1,449 |
| Retained earnings to average equity (ytd only) | 4.9889% | 2,425 |
| Net charge-offs to loans | 1.7353% | 76 |
| Credit loss provision to net charge-offs | 72.0769% | 2,887 |
| Earnings coverage of net charge-offs (x) | 2.5259% | 3,406 |
| Efficiency ratio | 48.0624% | 4,831 |
| Assets per employee ($millions) | 5.6200% | 1,954 |
| Cash dividends to net income (ytd only)* | 59.0015% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6523% | 78 |
| Loan loss allowance to noncurrent loans | 211.2878% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0726% | 1,155 |
| Noncurrent loans to loans | 1.7286% | 793 |
| Net loans and leases to total assets | 51.9855% | 4,225 |
| Net loans and leases to deposits | 62.6755% | 4,160 |
| Net loans and leases to core deposits | 71.8569% | 3,861 |
| Total domestic deposits to total assets | 82.9439% | 3,215 |
| Equity capital to assets | 13.7905% | 1,171 |
| Core capital (leverage) ratio | 13.8680% | 961 |
| Tier 1 risk-based capital ratio | 21.9299% | 1,034 |
| Total risk-based capital ratio | 23.2038% | 1,007 |
| Memoranda: | ||
| Average total assets | $197,166,800 | 2,863 |
| Average earning assets | $186,556,400 | 2,826 |
| Average equity | $27,160,400 | 2,548 |
| Average total loans | $107,932,600 | 3,117 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 1,165 |
| Cost of funding earning assets | 0.7494% | 2,970 |
| Net interest margin | 4.3965% | 953 |
| Noninterest income to average assets | 0.4635% | 2,938 |
| Noninterest expense to average assets | 2.0904% | 4,378 |
| Loan and lease loss provision to assets | 0.6126% | 184 |
| Net operating income to assets | 1.8923% | 500 |
| Return on assets (ROA) | 1.8923% | 522 |
| Pretax return on assets | 1.9297% | 807 |
| Return on Equity (ROE) | 13.7406% | 1,040 |
| Retained earnings to average equity (ytd only) | 8.0566% | 1,367 |
| Net charge-offs to loans | 1.4408% | 92 |
| Credit loss provision to net charge-offs | 77.3861% | 2,537 |
| Earnings coverage of net charge-offs (x) | 3.2115% | 3,126 |
| Efficiency ratio | 45.1220% | 4,969 |
| Assets per employee ($millions) | 5.5611% | 1,974 |
| Cash dividends to net income (ytd only)* | 41.3671% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8871% | 69 |
| Loan loss allowance to noncurrent loans | 169.5409% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.3550% | 876 |
| Noncurrent loans to loans | 2.2927% | 536 |
| Net loans and leases to total assets | 51.0354% | 4,370 |
| Net loans and leases to deposits | 61.4211% | 4,318 |
| Net loans and leases to core deposits | 73.0374% | 3,886 |
| Total domestic deposits to total assets | 83.0911% | 3,137 |
| Equity capital to assets | 13.6984% | 1,271 |
| Core capital (leverage) ratio | 13.9261% | 1,003 |
| Tier 1 risk-based capital ratio | 21.8468% | 1,089 |
| Total risk-based capital ratio | 23.1230% | 1,062 |
| Memoranda: | ||
| Average total assets | $195,878,500 | 2,898 |
| Average earning assets | $185,749,000 | 2,860 |
| Average equity | $26,975,250 | 2,577 |
| Average total loans | $107,624,750 | 3,157 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 1,182 |
| Cost of funding earning assets | 0.7269% | 3,006 |
| Net interest margin | 4.3886% | 962 |
| Noninterest income to average assets | 0.4715% | 2,831 |
| Noninterest expense to average assets | 2.1341% | 4,353 |
| Loan and lease loss provision to assets | 0.5712% | 194 |
| Net operating income to assets | 1.8922% | 490 |
| Return on assets (ROA) | 1.8922% | 512 |
| Pretax return on assets | 1.9295% | 788 |
| Return on Equity (ROE) | 13.7139% | 1,051 |
| Retained earnings to average equity (ytd only) | 9.1978% | 981 |
| Net charge-offs to loans | 0.5211% | 300 |
| Credit loss provision to net charge-offs | 197.1326% | 1,228 |
| Earnings coverage of net charge-offs (x) | 8.6308% | 2,398 |
| Efficiency ratio | 46.0453% | 4,990 |
| Assets per employee ($millions) | 5.3954% | 2,050 |
| Cash dividends to net income (ytd only)* | 32.9308% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2798% | 55 |
| Loan loss allowance to noncurrent loans | 133.1755% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9940% | 465 |
| Noncurrent loans to loans | 3.2136% | 295 |
| Net loans and leases to total assets | 55.0516% | 4,137 |
| Net loans and leases to deposits | 68.0723% | 3,964 |
| Net loans and leases to core deposits | 78.8686% | 3,512 |
| Total domestic deposits to total assets | 80.8722% | 3,854 |
| Equity capital to assets | 14.2224% | 1,042 |
| Core capital (leverage) ratio | 13.9427% | 984 |
| Tier 1 risk-based capital ratio | 21.8685% | 1,069 |
| Total risk-based capital ratio | 23.1506% | 1,042 |
| Memoranda: | ||
| Average total assets | $192,584,330 | 2,938 |
| Average earning assets | $182,698,670 | 2,890 |
| Average equity | $26,571,670 | 2,595 |
| Average total loans | $107,080,330 | 3,181 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 1,542 |
| Cost of funding earning assets | 0.6735% | 3,184 |
| Net interest margin | 4.2482% | 1,201 |
| Noninterest income to average assets | 0.4735% | 2,714 |
| Noninterest expense to average assets | 2.1318% | 4,415 |
| Loan and lease loss provision to assets | 0.6258% | 164 |
| Net operating income to assets | 1.7042% | 721 |
| Return on assets (ROA) | 1.7042% | 750 |
| Pretax return on assets | 1.7418% | 1,109 |
| Return on Equity (ROE) | 12.5475% | 1,370 |
| Retained earnings to average equity (ytd only) | 8.7080% | 1,419 |
| Net charge-offs to loans | 0.4200% | 365 |
| Credit loss provision to net charge-offs | 272.7273% | 876 |
| Earnings coverage of net charge-offs (x) | 10.3182% | 1,968 |
| Efficiency ratio | 47.3806% | 4,969 |
| Assets per employee ($millions) | 6.0307% | 1,519 |
| Cash dividends to net income (ytd only)* | 30.5998% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4855% | 46 |
| Loan loss allowance to noncurrent loans | 118.2390% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 2.1018% | 438 |
| Noncurrent loans to loans | 3.7936% | 219 |
| Net loans and leases to total assets | 51.8616% | 4,347 |
| Net loans and leases to deposits | 63.0404% | 4,240 |
| Net loans and leases to core deposits | 74.5214% | 3,768 |
| Total domestic deposits to total assets | 82.2672% | 3,655 |
| Equity capital to assets | 13.8008% | 1,109 |
| Core capital (leverage) ratio | 13.9537% | 969 |
| Tier 1 risk-based capital ratio | 22.2673% | 1,020 |
| Total risk-based capital ratio | 23.5505% | 996 |
| Memoranda: | ||
| Average total assets | $191,758,500 | 2,979 |
| Average earning assets | $181,724,500 | 2,933 |
| Average equity | $26,045,000 | 2,638 |
| Average total loans | $104,765,000 | 3,241 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 1,678 |
| Cost of funding earning assets | 0.6295% | 2,528 |
| Net interest margin | 4.1209% | 1,614 |
| Noninterest income to average assets | 0.4468% | 3,126 |
| Noninterest expense to average assets | 2.1018% | 4,560 |
| Loan and lease loss provision to assets | 0.8513% | 113 |
| Net operating income to assets | 1.3595% | 1,575 |
| Return on assets (ROA) | 1.3625% | 1,550 |
| Pretax return on assets | 1.4012% | 2,134 |
| Return on Equity (ROE) | 10.6138% | 2,238 |
| Retained earnings to average equity (ytd only) | 4.1836% | 3,249 |
| Net charge-offs to loans | 0.8095% | 187 |
| Credit loss provision to net charge-offs | 198.5560% | 1,453 |
| Earnings coverage of net charge-offs (x) | 5.2467% | 3,207 |
| Efficiency ratio | 48.3045% | 5,030 |
| Assets per employee ($millions) | 5.7738% | 1,697 |
| Cash dividends to net income (ytd only)* | 60.5831% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3056% | 43 |
| Loan loss allowance to noncurrent loans | 109.8393% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 2.1975% | 401 |
| Noncurrent loans to loans | 3.9199% | 193 |
| Net loans and leases to total assets | 52.6079% | 4,379 |
| Net loans and leases to deposits | 64.4781% | 4,222 |
| Net loans and leases to core deposits | 73.9549% | 3,858 |
| Total domestic deposits to total assets | 81.5904% | 3,764 |
| Equity capital to assets | 13.3607% | 1,198 |
| Core capital (leverage) ratio | 13.2572% | 1,155 |
| Tier 1 risk-based capital ratio | 21.7534% | 1,062 |
| Total risk-based capital ratio | 23.0342% | 1,039 |
| Memoranda: | ||
| Average total assets | $193,832,200 | 2,927 |
| Average earning assets | $183,648,800 | 2,879 |
| Average equity | $24,882,600 | 2,648 |
| Average total loans | $102,662,000 | 3,249 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 1,770 |
| Cost of funding earning assets | 0.5908% | 2,544 |
| Net interest margin | 4.0784% | 1,696 |
| Noninterest income to average assets | 0.4021% | 3,474 |
| Noninterest expense to average assets | 2.0103% | 4,721 |
| Loan and lease loss provision to assets | 0.9247% | 95 |
| Net operating income to assets | 1.2919% | 1,894 |
| Return on assets (ROA) | 1.2959% | 1,878 |
| Pretax return on assets | 1.3343% | 2,486 |
| Return on Equity (ROE) | 10.1969% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.6158% | 2,876 |
| Net charge-offs to loans | 0.9581% | 147 |
| Credit loss provision to net charge-offs | 183.9237% | 1,480 |
| Earnings coverage of net charge-offs (x) | 4.4850% | 3,059 |
| Efficiency ratio | 47.1335% | 5,092 |
| Assets per employee ($millions) | 5.9622% | 1,516 |
| Cash dividends to net income (ytd only)* | 44.9263% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0373% | 59 |
| Loan loss allowance to noncurrent loans | 112.4837% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9979% | 530 |
| Noncurrent loans to loans | 3.5892% | 261 |
| Net loans and leases to total assets | 50.5012% | 4,561 |
| Net loans and leases to deposits | 60.1719% | 4,536 |
| Net loans and leases to core deposits | 73.6970% | 3,964 |
| Total domestic deposits to total assets | 83.9283% | 2,971 |
| Equity capital to assets | 12.2990% | 1,699 |
| Core capital (leverage) ratio | 13.3420% | 1,161 |
| Tier 1 risk-based capital ratio | 21.1989% | 1,155 |
| Total risk-based capital ratio | 22.4762% | 1,134 |
| Memoranda: | ||
| Average total assets | $194,656,250 | 2,943 |
| Average earning assets | $184,383,250 | 2,899 |
| Average equity | $24,739,000 | 2,676 |
| Average total loans | $102,140,750 | 3,291 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,539 |
| Cost of funding earning assets | 0.5344% | 2,737 |
| Net interest margin | 4.1508% | 1,409 |
| Noninterest income to average assets | 0.4074% | 3,433 |
| Noninterest expense to average assets | 2.0274% | 4,754 |
| Loan and lease loss provision to assets | 0.9376% | 87 |
| Net operating income to assets | 1.3369% | 1,643 |
| Return on assets (ROA) | 1.3440% | 1,628 |
| Pretax return on assets | 1.3825% | 2,210 |
| Return on Equity (ROE) | 10.4561% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.9981% | 2,564 |
| Net charge-offs to loans | 1.0395% | 126 |
| Credit loss provision to net charge-offs | 172.0841% | 1,442 |
| Earnings coverage of net charge-offs (x) | 4.2447% | 2,804 |
| Efficiency ratio | 46.7115% | 5,179 |
| Assets per employee ($millions) | 5.6474% | 1,761 |
| Cash dividends to net income (ytd only)* | 42.6357% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8347% | 64 |
| Loan loss allowance to noncurrent loans | 117.8447% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.8400% | 622 |
| Noncurrent loans to loans | 3.2541% | 321 |
| Net loans and leases to total assets | 53.1300% | 4,402 |
| Net loans and leases to deposits | 65.7584% | 4,176 |
| Net loans and leases to core deposits | 77.2215% | 3,645 |
| Total domestic deposits to total assets | 80.7958% | 4,057 |
| Equity capital to assets | 12.9087% | 1,342 |
| Core capital (leverage) ratio | 13.4501% | 1,077 |
| Tier 1 risk-based capital ratio | 21.3548% | 1,120 |
| Total risk-based capital ratio | 22.6309% | 1,094 |
| Memoranda: | ||
| Average total assets | $191,969,670 | 2,986 |
| Average earning assets | $181,894,330 | 2,938 |
| Average equity | $24,674,670 | 2,686 |
| Average total loans | $100,627,330 | 3,328 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 1,940 |
| Cost of funding earning assets | 0.4481% | 3,212 |
| Net interest margin | 4.0285% | 1,624 |
| Noninterest income to average assets | 0.4418% | 3,166 |
| Noninterest expense to average assets | 2.0005% | 4,848 |
| Loan and lease loss provision to assets | 0.9377% | 94 |
| Net operating income to assets | 1.2674% | 1,755 |
| Return on assets (ROA) | 1.2816% | 1,715 |
| Pretax return on assets | 1.3212% | 2,283 |
| Return on Equity (ROE) | 9.9923% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.1180% | 3,114 |
| Net charge-offs to loans | 1.0419% | 135 |
| Credit loss provision to net charge-offs | 176.4706% | 1,127 |
| Earnings coverage of net charge-offs (x) | 4.2235% | 2,319 |
| Efficiency ratio | 47.1281% | 5,229 |
| Assets per employee ($millions) | 4.9951% | 2,503 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9742% | 65 |
| Loan loss allowance to noncurrent loans | 108.7297% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 446 |
| Noncurrent loans to loans | 3.6551% | 282 |
| Net loans and leases to total assets | 49.4674% | 4,599 |
| Net loans and leases to deposits | 60.4997% | 4,436 |
| Net loans and leases to core deposits | 74.7001% | 3,763 |
| Total domestic deposits to total assets | 81.7646% | 4,028 |
| Equity capital to assets | 12.8991% | 1,295 |
| Core capital (leverage) ratio | 13.3792% | 1,046 |
| Tier 1 risk-based capital ratio | 22.0820% | 1,039 |
| Total risk-based capital ratio | 23.3585% | 1,019 |
| Memoranda: | ||
| Average total assets | $191,949,500 | 3,015 |
| Average earning assets | $181,209,500 | 2,979 |
| Average equity | $24,619,000 | 2,713 |
| Average total loans | $97,899,500 | 3,398 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 1,659 |
| Cost of funding earning assets | 0.4275% | 2,975 |
| Net interest margin | 4.0894% | 1,479 |
| Noninterest income to average assets | 0.4643% | 3,222 |
| Noninterest expense to average assets | 2.0821% | 4,801 |
| Loan and lease loss provision to assets | 0.9265% | 113 |
| Net operating income to assets | 1.2701% | 1,302 |
| Return on assets (ROA) | 1.2776% | 1,304 |
| Pretax return on assets | 1.3239% | 2,271 |
| Return on Equity (ROE) | 10.1604% | 1,822 |
| Retained earnings to average equity (ytd only) | 6.0668% | 1,506 |
| Net charge-offs to loans | 1.0307% | 170 |
| Credit loss provision to net charge-offs | 172.2488% | 1,572 |
| Earnings coverage of net charge-offs (x) | 4.1694% | 3,508 |
| Efficiency ratio | 48.1433% | 5,309 |
| Assets per employee ($millions) | 5.3913% | 2,060 |
| Cash dividends to net income (ytd only)* | 40.2901% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7656% | 74 |
| Loan loss allowance to noncurrent loans | 102.3856% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 459 |
| Noncurrent loans to loans | 3.6779% | 267 |
| Net loans and leases to total assets | 48.6004% | 4,731 |
| Net loans and leases to deposits | 57.6419% | 4,704 |
| Net loans and leases to core deposits | 70.7959% | 4,122 |
| Total domestic deposits to total assets | 84.3143% | 3,092 |
| Equity capital to assets | 12.7541% | 1,377 |
| Core capital (leverage) ratio | 13.0949% | 1,113 |
| Tier 1 risk-based capital ratio | 21.4587% | 1,076 |
| Total risk-based capital ratio | 22.7319% | 1,054 |
| Memoranda: | ||
| Average total assets | $194,271,000 | 2,976 |
| Average earning assets | $183,400,800 | 2,927 |
| Average equity | $24,428,200 | 2,720 |
| Average total loans | $101,391,800 | 3,328 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5108% | 1,615 |
| Cost of funding earning assets | 0.4141% | 3,046 |
| Net interest margin | 4.0967% | 1,397 |
| Noninterest income to average assets | 0.4728% | 3,196 |
| Noninterest expense to average assets | 1.8725% | 5,169 |
| Loan and lease loss provision to assets | 0.9263% | 112 |
| Net operating income to assets | 1.4957% | 906 |
| Return on assets (ROA) | 1.5150% | 891 |
| Pretax return on assets | 1.5630% | 1,534 |
| Return on Equity (ROE) | 12.0917% | 1,319 |
| Retained earnings to average equity (ytd only) | 7.9844% | 1,230 |
| Net charge-offs to loans | 0.3534% | 598 |
| Credit loss provision to net charge-offs | 498.1550% | 646 |
| Earnings coverage of net charge-offs (x) | 13.2806% | 2,361 |
| Efficiency ratio | 43.1258% | 5,510 |
| Assets per employee ($millions) | 5.3409% | 2,075 |
| Cash dividends to net income (ytd only)* | 33.9675% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9277% | 72 |
| Loan loss allowance to noncurrent loans | 119.6365% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 2.1454% | 582 |
| Noncurrent loans to loans | 3.2830% | 358 |
| Net loans and leases to total assets | 51.0774% | 4,639 |
| Net loans and leases to deposits | 60.4416% | 4,618 |
| Net loans and leases to core deposits | 74.1478% | 3,964 |
| Total domestic deposits to total assets | 84.5069% | 2,913 |
| Equity capital to assets | 13.0850% | 1,337 |
| Core capital (leverage) ratio | 12.9201% | 1,245 |
| Tier 1 risk-based capital ratio | 21.2406% | 1,156 |
| Total risk-based capital ratio | 22.5173% | 1,133 |
| Memoranda: | ||
| Average total assets | $194,317,000 | 3,001 |
| Average earning assets | $183,525,000 | 2,954 |
| Average equity | $24,346,750 | 2,749 |
| Average total loans | $102,235,250 | 3,344 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 1,794 |
| Cost of funding earning assets | 0.3841% | 3,248 |
| Net interest margin | 4.0236% | 1,539 |
| Noninterest income to average assets | 0.4421% | 3,405 |
| Noninterest expense to average assets | 1.8585% | 5,243 |
| Loan and lease loss provision to assets | 0.9231% | 105 |
| Net operating income to assets | 1.4232% | 1,012 |
| Return on assets (ROA) | 1.4380% | 1,013 |
| Pretax return on assets | 1.4903% | 1,688 |
| Return on Equity (ROE) | 11.6465% | 1,408 |
| Retained earnings to average equity (ytd only) | 7.4929% | 1,358 |
| Net charge-offs to loans | 0.2876% | 707 |
| Credit loss provision to net charge-offs | 612.2449% | 557 |
| Earnings coverage of net charge-offs (x) | 15.9048% | 2,001 |
| Efficiency ratio | 43.6627% | 5,537 |
| Assets per employee ($millions) | 5.3956% | 1,971 |
| Cash dividends to net income (ytd only)* | 35.6633% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5286% | 91 |
| Loan loss allowance to noncurrent loans | 116.2622% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 2.0294% | 626 |
| Noncurrent loans to loans | 3.0350% | 426 |
| Net loans and leases to total assets | 51.9231% | 4,579 |
| Net loans and leases to deposits | 63.5180% | 4,400 |
| Net loans and leases to core deposits | 74.3361% | 3,911 |
| Total domestic deposits to total assets | 81.7455% | 3,961 |
| Equity capital to assets | 12.7423% | 1,501 |
| Core capital (leverage) ratio | 12.5230% | 1,359 |
| Tier 1 risk-based capital ratio | 20.3849% | 1,293 |
| Total risk-based capital ratio | 21.6569% | 1,263 |
| Memoranda: | ||
| Average total assets | $194,998,330 | 3,007 |
| Average earning assets | $184,860,670 | 2,957 |
| Average equity | $24,076,000 | 2,775 |
| Average total loans | $102,239,330 | 3,355 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,095 |
| Cost of funding earning assets | 0.3686% | 3,330 |
| Net interest margin | 3.8823% | 1,844 |
| Noninterest income to average assets | 0.4320% | 3,433 |
| Noninterest expense to average assets | 1.8733% | 5,269 |
| Loan and lease loss provision to assets | 0.9213% | 94 |
| Net operating income to assets | 1.2616% | 1,343 |
| Return on assets (ROA) | 1.2693% | 1,357 |
| Pretax return on assets | 1.3328% | 2,127 |
| Return on Equity (ROE) | 10.4472% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.2346% | 2,219 |
| Net charge-offs to loans | 0.2453% | 730 |
| Credit loss provision to net charge-offs | 725.8065% | 443 |
| Earnings coverage of net charge-offs (x) | 17.6935% | 1,593 |
| Efficiency ratio | 45.4771% | 5,550 |
| Assets per employee ($millions) | 5.7211% | 1,710 |
| Cash dividends to net income (ytd only)* | 40.3226% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3062% | 131 |
| Loan loss allowance to noncurrent loans | 105.6916% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 2.0122% | 657 |
| Noncurrent loans to loans | 3.1282% | 424 |
| Net loans and leases to total assets | 49.9774% | 4,675 |
| Net loans and leases to deposits | 58.9633% | 4,635 |
| Net loans and leases to core deposits | 67.7483% | 4,310 |
| Total domestic deposits to total assets | 84.7601% | 3,183 |
| Equity capital to assets | 12.3265% | 1,646 |
| Core capital (leverage) ratio | 12.2656% | 1,462 |
| Tier 1 risk-based capital ratio | 20.5858% | 1,286 |
| Total risk-based capital ratio | 21.8551% | 1,257 |
| Memoranda: | ||
| Average total assets | $195,376,000 | 3,041 |
| Average earning assets | $185,560,000 | 2,989 |
| Average equity | $23,738,500 | 2,818 |
| Average total loans | $101,086,000 | 3,398 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 2,301 |
| Cost of funding earning assets | 0.3930% | 3,066 |
| Net interest margin | 3.8604% | 2,098 |
| Noninterest income to average assets | 0.4688% | 3,417 |
| Noninterest expense to average assets | 2.0683% | 5,062 |
| Loan and lease loss provision to assets | 1.3462% | 70 |
| Net operating income to assets | 0.7157% | 3,710 |
| Return on assets (ROA) | 0.7269% | 3,766 |
| Pretax return on assets | 0.7480% | 4,352 |
| Return on Equity (ROE) | 5.6424% | 4,144 |
| Retained earnings to average equity (ytd only) | 1.1350% | 4,844 |
| Net charge-offs to loans | 2.5660% | 48 |
| Credit loss provision to net charge-offs | 97.3282% | 2,658 |
| Earnings coverage of net charge-offs (x) | 1.5057% | 3,978 |
| Efficiency ratio | 49.8283% | 5,494 |
| Assets per employee ($millions) | 5.4510% | 1,902 |
| Cash dividends to net income (ytd only)* | 79.8838% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8888% | 198 |
| Loan loss allowance to noncurrent loans | 71.9961% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 2.1280% | 628 |
| Noncurrent loans to loans | 4.0124% | 258 |
| Net loans and leases to total assets | 50.2956% | 4,747 |
| Net loans and leases to deposits | 59.0780% | 4,731 |
| Net loans and leases to core deposits | 68.1588% | 4,387 |
| Total domestic deposits to total assets | 85.1342% | 2,986 |
| Equity capital to assets | 11.9754% | 1,825 |
| Core capital (leverage) ratio | 11.6764% | 1,811 |
| Tier 1 risk-based capital ratio | 19.7566% | 1,426 |
| Total risk-based capital ratio | 21.0214% | 1,389 |
| Memoranda: | ||
| Average total assets | $189,426,800 | 3,064 |
| Average earning assets | $180,679,200 | 3,006 |
| Average equity | $24,404,400 | 2,765 |
| Average total loans | $102,103,600 | 3,350 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,432 |
| Cost of funding earning assets | 0.3913% | 3,112 |
| Net interest margin | 3.8352% | 2,209 |
| Noninterest income to average assets | 0.4808% | 3,372 |
| Noninterest expense to average assets | 1.9787% | 5,249 |
| Loan and lease loss provision to assets | 0.7102% | 159 |
| Net operating income to assets | 1.4167% | 1,038 |
| Return on assets (ROA) | 1.4318% | 1,054 |
| Pretax return on assets | 1.4688% | 1,812 |
| Return on Equity (ROE) | 10.9130% | 1,704 |
| Retained earnings to average equity (ytd only) | 4.9585% | 2,855 |
| Net charge-offs to loans | 0.9352% | 188 |
| Credit loss provision to net charge-offs | 139.4700% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.2482% | 3,294 |
| Efficiency ratio | 47.7709% | 5,601 |
| Assets per employee ($millions) | 5.6507% | 1,713 |
| Cash dividends to net income (ytd only)* | 54.5635% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0013% | 185 |
| Loan loss allowance to noncurrent loans | 65.1029% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.6040% | 512 |
| Noncurrent loans to loans | 4.6101% | 202 |
| Net loans and leases to total assets | 53.7464% | 4,516 |
| Net loans and leases to deposits | 64.0432% | 4,487 |
| Net loans and leases to core deposits | 77.8881% | 3,673 |
| Total domestic deposits to total assets | 83.9221% | 3,231 |
| Equity capital to assets | 12.6811% | 1,661 |
| Core capital (leverage) ratio | 12.4035% | 1,439 |
| Tier 1 risk-based capital ratio | 18.8493% | 1,705 |
| Total risk-based capital ratio | 20.1151% | 1,665 |
| Memoranda: | ||
| Average total assets | $187,724,500 | 3,095 |
| Average earning assets | $179,210,250 | 3,033 |
| Average equity | $24,630,500 | 2,773 |
| Average total loans | $102,221,000 | 3,356 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,509 |
| Cost of funding earning assets | 0.3905% | 3,149 |
| Net interest margin | 3.8100% | 2,271 |
| Noninterest income to average assets | 0.4968% | 3,217 |
| Noninterest expense to average assets | 2.0187% | 5,237 |
| Loan and lease loss provision to assets | 0.6508% | 170 |
| Net operating income to assets | 1.4313% | 1,006 |
| Return on assets (ROA) | 1.4546% | 1,014 |
| Pretax return on assets | 1.4915% | 1,691 |
| Return on Equity (ROE) | 10.9556% | 1,665 |
| Retained earnings to average equity (ytd only) | 6.4622% | 1,887 |
| Net charge-offs to loans | 0.7117% | 294 |
| Credit loss provision to net charge-offs | 169.0141% | 1,461 |
| Earnings coverage of net charge-offs (x) | 5.5014% | 2,846 |
| Efficiency ratio | 48.7939% | 5,635 |
| Assets per employee ($millions) | 5.4418% | 1,852 |
| Cash dividends to net income (ytd only)* | 41.0142% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0509% | 185 |
| Loan loss allowance to noncurrent loans | 75.1503% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 2.3138% | 647 |
| Noncurrent loans to loans | 4.0597% | 282 |
| Net loans and leases to total assets | 54.2407% | 4,486 |
| Net loans and leases to deposits | 64.5663% | 4,450 |
| Net loans and leases to core deposits | 74.4863% | 3,942 |
| Total domestic deposits to total assets | 84.0078% | 3,267 |
| Equity capital to assets | 13.2572% | 1,348 |
| Core capital (leverage) ratio | 12.7997% | 1,232 |
| Tier 1 risk-based capital ratio | 19.4053% | 1,590 |
| Total risk-based capital ratio | 20.6718% | 1,548 |
| Memoranda: | ||
| Average total assets | $184,374,330 | 3,141 |
| Average earning assets | $176,169,000 | 3,080 |
| Average equity | $24,480,670 | 2,793 |
| Average total loans | $99,766,000 | 3,413 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,173 |
| Cost of funding earning assets | 0.3933% | 3,156 |
| Net interest margin | 3.6211% | 3,001 |
| Noninterest income to average assets | 0.4699% | 3,341 |
| Noninterest expense to average assets | 2.0736% | 5,166 |
| Loan and lease loss provision to assets | 0.6618% | 160 |
| Net operating income to assets | 1.1507% | 1,708 |
| Return on assets (ROA) | 1.1978% | 1,669 |
| Pretax return on assets | 1.2353% | 2,558 |
| Return on Equity (ROE) | 9.0139% | 2,419 |
| Retained earnings to average equity (ytd only) | 4.8639% | 3,026 |
| Net charge-offs to loans | 1.0086% | 183 |
| Credit loss provision to net charge-offs | 123.4568% | 1,415 |
| Earnings coverage of net charge-offs (x) | 3.4486% | 2,546 |
| Efficiency ratio | 52.8684% | 5,462 |
| Assets per employee ($millions) | 5.2566% | 2,071 |
| Cash dividends to net income (ytd only)* | 46.0405% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1408% | 197 |
| Loan loss allowance to noncurrent loans | 61.5973% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.7568% | 496 |
| Noncurrent loans to loans | 5.0990% | 186 |
| Net loans and leases to total assets | 51.3249% | 4,701 |
| Net loans and leases to deposits | 61.2560% | 4,633 |
| Net loans and leases to core deposits | 71.8461% | 4,075 |
| Total domestic deposits to total assets | 83.7875% | 3,603 |
| Equity capital to assets | 13.2677% | 1,285 |
| Core capital (leverage) ratio | 13.0980% | 1,125 |
| Tier 1 risk-based capital ratio | 20.5080% | 1,401 |
| Total risk-based capital ratio | 21.7750% | 1,377 |
| Memoranda: | ||
| Average total assets | $181,330,500 | 3,187 |
| Average earning assets | $172,877,000 | 3,123 |
| Average equity | $24,096,000 | 2,822 |
| Average total loans | $96,369,500 | 3,487 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,669 |
| Cost of funding earning assets | 0.4170% | 2,976 |
| Net interest margin | 4.0606% | 1,524 |
| Noninterest income to average assets | 0.4413% | 3,739 |
| Noninterest expense to average assets | 2.0778% | 5,293 |
| Loan and lease loss provision to assets | 0.8334% | 114 |
| Net operating income to assets | 1.3132% | 1,236 |
| Return on assets (ROA) | 1.3300% | 1,247 |
| Pretax return on assets | 1.3708% | 2,020 |
| Return on Equity (ROE) | 10.1651% | 1,950 |
| Retained earnings to average equity (ytd only) | 4.6081% | 2,704 |
| Net charge-offs to loans | 0.9698% | 212 |
| Credit loss provision to net charge-offs | 160.5603% | 1,675 |
| Earnings coverage of net charge-offs (x) | 4.2134% | 3,594 |
| Efficiency ratio | 48.7213% | 5,813 |
| Assets per employee ($millions) | 5.1051% | 2,234 |
| Cash dividends to net income (ytd only)* | 54.6678% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1559% | 188 |
| Loan loss allowance to noncurrent loans | 98.4928% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7730% | 1,075 |
| Noncurrent loans to loans | 3.2042% | 473 |
| Net loans and leases to total assets | 51.6247% | 4,727 |
| Net loans and leases to deposits | 62.8804% | 4,556 |
| Net loans and leases to core deposits | 75.8877% | 3,768 |
| Total domestic deposits to total assets | 82.0998% | 4,145 |
| Equity capital to assets | 13.3098% | 1,206 |
| Core capital (leverage) ratio | 12.9917% | 1,153 |
| Tier 1 risk-based capital ratio | 21.5790% | 1,210 |
| Total risk-based capital ratio | 22.8476% | 1,187 |
| Memoranda: | ||
| Average total assets | $178,795,400 | 3,188 |
| Average earning assets | $168,349,600 | 3,144 |
| Average equity | $23,393,800 | 2,846 |
| Average total loans | $95,689,800 | 3,463 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 1,624 |
| Cost of funding earning assets | 0.4183% | 3,024 |
| Net interest margin | 4.0707% | 1,488 |
| Noninterest income to average assets | 0.4272% | 3,889 |
| Noninterest expense to average assets | 2.0019% | 5,473 |
| Loan and lease loss provision to assets | 0.7083% | 118 |
| Net operating income to assets | 1.5016% | 918 |
| Return on assets (ROA) | 1.5240% | 923 |
| Pretax return on assets | 1.5643% | 1,495 |
| Return on Equity (ROE) | 11.6981% | 1,462 |
| Retained earnings to average equity (ytd only) | 5.9750% | 2,268 |
| Net charge-offs to loans | 0.6583% | 335 |
| Credit loss provision to net charge-offs | 200.8457% | 1,327 |
| Earnings coverage of net charge-offs (x) | 6.3785% | 3,058 |
| Efficiency ratio | 47.0887% | 5,916 |
| Assets per employee ($millions) | 5.1819% | 2,084 |
| Cash dividends to net income (ytd only)* | 48.9236% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0928% | 222 |
| Loan loss allowance to noncurrent loans | 87.5600% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.8581% | 1,131 |
| Noncurrent loans to loans | 3.5323% | 439 |
| Net loans and leases to total assets | 50.4626% | 4,895 |
| Net loans and leases to deposits | 60.1354% | 4,848 |
| Net loans and leases to core deposits | 71.6058% | 4,220 |
| Total domestic deposits to total assets | 83.9150% | 3,465 |
| Equity capital to assets | 13.1920% | 1,355 |
| Core capital (leverage) ratio | 12.9703% | 1,211 |
| Tier 1 risk-based capital ratio | 21.5588% | 1,256 |
| Total risk-based capital ratio | 22.8262% | 1,233 |
| Memoranda: | ||
| Average total assets | $178,824,250 | 3,211 |
| Average earning assets | $167,993,000 | 3,175 |
| Average equity | $23,296,750 | 2,880 |
| Average total loans | $95,800,000 | 3,492 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 1,888 |
| Cost of funding earning assets | 0.4152% | 3,093 |
| Net interest margin | 3.9742% | 1,722 |
| Noninterest income to average assets | 0.4203% | 3,915 |
| Noninterest expense to average assets | 2.0160% | 5,499 |
| Loan and lease loss provision to assets | 0.5057% | 192 |
| Net operating income to assets | 1.6006% | 742 |
| Return on assets (ROA) | 1.6126% | 755 |
| Pretax return on assets | 1.6542% | 1,185 |
| Return on Equity (ROE) | 12.4312% | 1,246 |
| Retained earnings to average equity (ytd only) | 5.9341% | 2,284 |
| Net charge-offs to loans | 0.1725% | 1,432 |
| Credit loss provision to net charge-offs | 542.1687% | 594 |
| Earnings coverage of net charge-offs (x) | 23.0241% | 1,619 |
| Efficiency ratio | 48.4211% | 5,938 |
| Assets per employee ($millions) | 5.4444% | 1,795 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8750% | 308 |
| Loan loss allowance to noncurrent loans | 81.0320% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.9498% | 1,143 |
| Noncurrent loans to loans | 3.5479% | 491 |
| Net loans and leases to total assets | 52.8564% | 4,674 |
| Net loans and leases to deposits | 63.9751% | 4,541 |
| Net loans and leases to core deposits | 76.3474% | 3,731 |
| Total domestic deposits to total assets | 82.6203% | 4,087 |
| Equity capital to assets | 13.0738% | 1,365 |
| Core capital (leverage) ratio | 12.7717% | 1,268 |
| Tier 1 risk-based capital ratio | 20.7750% | 1,413 |
| Total risk-based capital ratio | 22.0408% | 1,385 |
| Memoranda: | ||
| Average total assets | $177,976,330 | 3,243 |
| Average earning assets | $167,631,670 | 3,203 |
| Average equity | $23,087,000 | 2,906 |
| Average total loans | $96,252,000 | 3,504 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 1,644 |
| Cost of funding earning assets | 0.4118% | 3,175 |
| Net interest margin | 4.0241% | 1,481 |
| Noninterest income to average assets | 0.4381% | 3,705 |
| Noninterest expense to average assets | 1.9917% | 5,597 |
| Loan and lease loss provision to assets | 0.5081% | 203 |
| Net operating income to assets | 1.6668% | 640 |
| Return on assets (ROA) | 1.6756% | 651 |
| Pretax return on assets | 1.7207% | 1,012 |
| Return on Equity (ROE) | 12.9686% | 1,097 |
| Retained earnings to average equity (ytd only) | -0.1398% | 5,402 |
| Net charge-offs to loans | 0.1466% | 1,364 |
| Credit loss provision to net charge-offs | 642.8571% | 451 |
| Earnings coverage of net charge-offs (x) | 28.0857% | 1,187 |
| Efficiency ratio | 47.2922% | 6,052 |
| Assets per employee ($millions) | 5.2829% | 2,016 |
| Cash dividends to net income (ytd only)* | 101.0782% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8092% | 364 |
| Loan loss allowance to noncurrent loans | 79.6492% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.8411% | 1,324 |
| Noncurrent loans to loans | 3.5270% | 545 |
| Net loans and leases to total assets | 50.7343% | 4,775 |
| Net loans and leases to deposits | 60.1723% | 4,735 |
| Net loans and leases to core deposits | 70.6517% | 4,090 |
| Total domestic deposits to total assets | 84.3150% | 3,692 |
| Equity capital to assets | 12.7933% | 1,514 |
| Core capital (leverage) ratio | 12.5690% | 1,333 |
| Tier 1 risk-based capital ratio | 21.8438% | 1,266 |
| Total risk-based capital ratio | 23.1101% | 1,238 |
| Memoranda: | ||
| Average total assets | $177,132,500 | 3,275 |
| Average earning assets | $166,099,000 | 3,233 |
| Average equity | $22,886,000 | 2,940 |
| Average total loans | $95,490,500 | 3,533 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 1,136 |
| Cost of funding earning assets | 0.4341% | 3,342 |
| Net interest margin | 4.3548% | 958 |
| Noninterest income to average assets | 0.5745% | 3,025 |
| Noninterest expense to average assets | 2.1343% | 5,499 |
| Loan and lease loss provision to assets | 0.5575% | 260 |
| Net operating income to assets | 1.9479% | 356 |
| Return on assets (ROA) | 1.9583% | 364 |
| Pretax return on assets | 1.9964% | 518 |
| Return on Equity (ROE) | 15.3092% | 728 |
| Retained earnings to average equity (ytd only) | 8.1982% | 951 |
| Net charge-offs to loans | 0.4212% | 1,009 |
| Credit loss provision to net charge-offs | 239.8990% | 1,061 |
| Earnings coverage of net charge-offs (x) | 10.9444% | 2,565 |
| Efficiency ratio | 45.6279% | 6,282 |
| Assets per employee ($millions) | 4.9899% | 2,335 |
| Cash dividends to net income (ytd only)* | 46.4489% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5139% | 539 |
| Loan loss allowance to noncurrent loans | 77.2440% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 1,441 |
| Noncurrent loans to loans | 3.2545% | 665 |
| Net loans and leases to total assets | 54.2666% | 4,551 |
| Net loans and leases to deposits | 65.7872% | 4,351 |
| Net loans and leases to core deposits | 88.9622% | 2,384 |
| Total domestic deposits to total assets | 82.4881% | 4,254 |
| Equity capital to assets | 13.0509% | 1,349 |
| Core capital (leverage) ratio | 12.6860% | 1,260 |
| Tier 1 risk-based capital ratio | 21.2626% | 1,347 |
| Total risk-based capital ratio | 22.5263% | 1,322 |
| Memoranda: | ||
| Average total assets | $170,406,600 | 3,335 |
| Average earning assets | $160,560,000 | 3,273 |
| Average equity | $21,797,400 | 2,975 |
| Average total loans | $94,011,200 | 3,548 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 1,060 |
| Cost of funding earning assets | 0.4323% | 3,444 |
| Net interest margin | 4.3951% | 891 |
| Noninterest income to average assets | 0.6086% | 2,814 |
| Noninterest expense to average assets | 2.0289% | 5,723 |
| Loan and lease loss provision to assets | 0.5708% | 247 |
| Net operating income to assets | 2.1080% | 277 |
| Return on assets (ROA) | 2.0880% | 301 |
| Pretax return on assets | 2.1266% | 430 |
| Return on Equity (ROE) | 16.4091% | 628 |
| Retained earnings to average equity (ytd only) | 11.7685% | 433 |
| Net charge-offs to loans | 0.2818% | 1,395 |
| Credit loss provision to net charge-offs | 368.0203% | 765 |
| Earnings coverage of net charge-offs (x) | 17.5228% | 1,896 |
| Efficiency ratio | 42.7434% | 6,403 |
| Assets per employee ($millions) | 5.0164% | 2,219 |
| Cash dividends to net income (ytd only)* | 28.2807% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5276% | 627 |
| Loan loss allowance to noncurrent loans | 72.2870% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 1,535 |
| Noncurrent loans to loans | 3.4966% | 688 |
| Net loans and leases to total assets | 53.1098% | 4,683 |
| Net loans and leases to deposits | 63.0333% | 4,638 |
| Net loans and leases to core deposits | 81.5966% | 3,137 |
| Total domestic deposits to total assets | 84.2568% | 3,654 |
| Equity capital to assets | 13.0355% | 1,408 |
| Core capital (leverage) ratio | 12.9033% | 1,225 |
| Tier 1 risk-based capital ratio | 21.1989% | 1,412 |
| Total risk-based capital ratio | 22.4618% | 1,384 |
| Memoranda: | ||
| Average total assets | $169,346,500 | 3,376 |
| Average earning assets | $159,447,500 | 3,315 |
| Average equity | $21,548,500 | 3,001 |
| Average total loans | $93,209,250 | 3,602 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 1,006 |
| Cost of funding earning assets | 0.4321% | 3,528 |
| Net interest margin | 4.4076% | 834 |
| Noninterest income to average assets | 0.5094% | 3,407 |
| Noninterest expense to average assets | 2.0231% | 5,791 |
| Loan and lease loss provision to assets | 0.5381% | 270 |
| Net operating income to assets | 2.0685% | 291 |
| Return on assets (ROA) | 2.0661% | 305 |
| Pretax return on assets | 2.1044% | 440 |
| Return on Equity (ROE) | 16.3773% | 616 |
| Retained earnings to average equity (ytd only) | 9.2691% | 892 |
| Net charge-offs to loans | 0.1299% | 2,365 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 36.8667% | 1,116 |
| Efficiency ratio | 43.3402% | 6,443 |
| Assets per employee ($millions) | 4.8817% | 2,362 |
| Cash dividends to net income (ytd only)* | 43.4028% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3405% | 863 |
| Loan loss allowance to noncurrent loans | 70.6758% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.9466% | 1,655 |
| Noncurrent loans to loans | 3.3116% | 834 |
| Net loans and leases to total assets | 55.6802% | 4,328 |
| Net loans and leases to deposits | 66.9034% | 4,170 |
| Net loans and leases to core deposits | 82.6110% | 2,903 |
| Total domestic deposits to total assets | 83.2247% | 4,220 |
| Equity capital to assets | 12.8329% | 1,466 |
| Core capital (leverage) ratio | 12.6029% | 1,344 |
| Tier 1 risk-based capital ratio | 20.3365% | 1,605 |
| Total risk-based capital ratio | 21.5973% | 1,574 |
| Memoranda: | ||
| Average total assets | $167,270,670 | 3,419 |
| Average earning assets | $157,819,330 | 3,351 |
| Average equity | $21,102,330 | 3,041 |
| Average total loans | $92,390,670 | 3,629 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,034 |
| Cost of funding earning assets | 0.4310% | 3,639 |
| Net interest margin | 4.3741% | 852 |
| Noninterest income to average assets | 0.4665% | 3,659 |
| Noninterest expense to average assets | 2.0232% | 5,838 |
| Loan and lease loss provision to assets | 0.5439% | 256 |
| Net operating income to assets | 1.9830% | 350 |
| Return on assets (ROA) | 2.0232% | 342 |
| Pretax return on assets | 2.0619% | 463 |
| Return on Equity (ROE) | 16.1813% | 625 |
| Retained earnings to average equity (ytd only) | 8.4483% | 1,437 |
| Net charge-offs to loans | 0.1291% | 1,941 |
| Credit loss provision to net charge-offs | 775.8621% | 376 |
| Earnings coverage of net charge-offs (x) | 36.5862% | 929 |
| Efficiency ratio | 44.0991% | 6,497 |
| Assets per employee ($millions) | 4.7814% | 2,545 |
| Cash dividends to net income (ytd only)* | 47.7897% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2501% | 1,098 |
| Loan loss allowance to noncurrent loans | 66.8696% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 1,788 |
| Noncurrent loans to loans | 3.3649% | 898 |
| Net loans and leases to total assets | 54.1778% | 4,390 |
| Net loans and leases to deposits | 63.5463% | 4,369 |
| Net loans and leases to core deposits | 81.1779% | 2,833 |
| Total domestic deposits to total assets | 85.2572% | 3,739 |
| Equity capital to assets | 12.5427% | 1,547 |
| Core capital (leverage) ratio | 12.8220% | 1,235 |
| Tier 1 risk-based capital ratio | 20.8467% | 1,501 |
| Total risk-based capital ratio | 22.1069% | 1,475 |
| Memoranda: | ||
| Average total assets | $165,477,000 | 3,474 |
| Average earning assets | $155,919,500 | 3,406 |
| Average equity | $20,690,500 | 3,097 |
| Average total loans | $89,879,000 | 3,698 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5040% | 2,187 |
| Cost of funding earning assets | 0.4722% | 3,889 |
| Net interest margin | 4.0318% | 1,866 |
| Noninterest income to average assets | 0.4014% | 4,434 |
| Noninterest expense to average assets | 2.1512% | 5,729 |
| Loan and lease loss provision to assets | 0.5100% | 545 |
| Net operating income to assets | 1.4635% | 890 |
| Return on assets (ROA) | 1.4635% | 936 |
| Pretax return on assets | 1.5061% | 1,428 |
| Return on Equity (ROE) | 11.8484% | 1,475 |
| Retained earnings to average equity (ytd only) | 4.5616% | 2,916 |
| Net charge-offs to loans | 1.0958% | 511 |
| Credit loss provision to net charge-offs | 91.0064% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.5974% | 3,813 |
| Efficiency ratio | 51.6199% | 6,326 |
| Assets per employee ($millions) | 4.6744% | 2,623 |
| Cash dividends to net income (ytd only)* | 61.5006% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 1,215 |
| Loan loss allowance to noncurrent loans | 59.7723% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 1.9938% | 1,803 |
| Noncurrent loans to loans | 3.6343% | 836 |
| Net loans and leases to total assets | 52.0247% | 4,844 |
| Net loans and leases to deposits | 61.9167% | 4,735 |
| Net loans and leases to core deposits | 80.9532% | 3,017 |
| Total domestic deposits to total assets | 84.0237% | 4,163 |
| Equity capital to assets | 12.4636% | 1,529 |
| Core capital (leverage) ratio | 12.3846% | 1,411 |
| Tier 1 risk-based capital ratio | 21.3910% | 1,357 |
| Total risk-based capital ratio | 22.6500% | 1,337 |
| Memoranda: | ||
| Average total assets | $166,650,800 | 3,464 |
| Average earning assets | $155,661,000 | 3,406 |
| Average equity | $20,585,000 | 3,092 |
| Average total loans | $85,234,000 | 3,789 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4556% | 2,398 |
| Cost of funding earning assets | 0.4774% | 3,995 |
| Net interest margin | 3.9782% | 2,013 |
| Noninterest income to average assets | 0.3910% | 4,599 |
| Noninterest expense to average assets | 2.0715% | 5,886 |
| Loan and lease loss provision to assets | 0.5575% | 464 |
| Net operating income to assets | 1.4208% | 1,055 |
| Return on assets (ROA) | 1.4208% | 1,108 |
| Pretax return on assets | 1.4654% | 1,712 |
| Return on Equity (ROE) | 11.5279% | 1,646 |
| Retained earnings to average equity (ytd only) | 8.2970% | 1,298 |
| Net charge-offs to loans | 1.2595% | 425 |
| Credit loss provision to net charge-offs | 87.3908% | 2,681 |
| Earnings coverage of net charge-offs (x) | 3.1710% | 3,782 |
| Efficiency ratio | 50.5933% | 6,363 |
| Assets per employee ($millions) | 4.6914% | 2,595 |
| Cash dividends to net income (ytd only)* | 28.0269% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,438 |
| Loan loss allowance to noncurrent loans | 76.1073% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 2,659 |
| Noncurrent loans to loans | 2.8046% | 1,488 |
| Net loans and leases to total assets | 50.8482% | 5,026 |
| Net loans and leases to deposits | 59.5112% | 5,031 |
| Net loans and leases to core deposits | 75.4604% | 3,677 |
| Total domestic deposits to total assets | 85.4431% | 3,525 |
| Equity capital to assets | 12.3253% | 1,688 |
| Core capital (leverage) ratio | 12.5143% | 1,416 |
| Tier 1 risk-based capital ratio | 21.7203% | 1,362 |
| Total risk-based capital ratio | 22.9786% | 1,340 |
| Memoranda: | ||
| Average total assets | $167,412,250 | 3,489 |
| Average earning assets | $155,844,500 | 3,442 |
| Average equity | $20,633,500 | 3,120 |
| Average total loans | $84,791,250 | 3,843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2977% | 2,959 |
| Cost of funding earning assets | 0.4885% | 4,006 |
| Net interest margin | 3.8092% | 2,520 |
| Noninterest income to average assets | 0.3846% | 4,632 |
| Noninterest expense to average assets | 2.0165% | 6,017 |
| Loan and lease loss provision to assets | 0.6590% | 370 |
| Net operating income to assets | 1.2126% | 1,562 |
| Return on assets (ROA) | 1.2126% | 1,664 |
| Pretax return on assets | 1.2593% | 2,451 |
| Return on Equity (ROE) | 9.8383% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.8383% | 885 |
| Net charge-offs to loans | 1.3317% | 426 |
| Credit loss provision to net charge-offs | 98.5663% | 2,275 |
| Earnings coverage of net charge-offs (x) | 2.8692% | 3,561 |
| Efficiency ratio | 51.2485% | 6,332 |
| Assets per employee ($millions) | 4.5917% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2246% | 1,373 |
| Loan loss allowance to noncurrent loans | 79.3062% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 2,774 |
| Noncurrent loans to loans | 2.8051% | 1,616 |
| Net loans and leases to total assets | 52.2740% | 4,822 |
| Net loans and leases to deposits | 60.8367% | 4,883 |
| Net loans and leases to core deposits | 72.6342% | 3,969 |
| Total domestic deposits to total assets | 85.9252% | 3,412 |
| Equity capital to assets | 12.4136% | 1,633 |
| Core capital (leverage) ratio | 12.3641% | 1,427 |
| Tier 1 risk-based capital ratio | 21.7065% | 1,352 |
| Total risk-based capital ratio | 22.9669% | 1,320 |
| Memoranda: | ||
| Average total assets | $166,920,000 | 3,510 |
| Average earning assets | $155,570,000 | 3,469 |
| Average equity | $20,572,670 | 3,145 |
| Average total loans | $83,805,000 | 3,878 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 3,461 |
| Cost of funding earning assets | 0.5023% | 4,061 |
| Net interest margin | 3.6595% | 3,040 |
| Noninterest income to average assets | 0.3696% | 4,710 |
| Noninterest expense to average assets | 1.9913% | 6,122 |
| Loan and lease loss provision to assets | 0.8347% | 255 |
| Net operating income to assets | 0.8991% | 2,662 |
| Return on assets (ROA) | 0.8991% | 2,810 |
| Pretax return on assets | 0.9492% | 3,569 |
| Return on Equity (ROE) | 7.3207% | 3,316 |
| Retained earnings to average equity (ytd only) | 7.3207% | 2,020 |
| Net charge-offs to loans | 2.1050% | 216 |
| Credit loss provision to net charge-offs | 81.5851% | 2,141 |
| Earnings coverage of net charge-offs (x) | 1.7436% | 3,254 |
| Efficiency ratio | 52.7479% | 6,334 |
| Assets per employee ($millions) | 4.6763% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3087% | 1,397 |
| Loan loss allowance to noncurrent loans | 65.0979% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.7886% | 2,618 |
| Noncurrent loans to loans | 3.5465% | 1,347 |
| Net loans and leases to total assets | 47.6319% | 5,265 |
| Net loans and leases to deposits | 55.5266% | 5,293 |
| Net loans and leases to core deposits | 66.4909% | 4,471 |
| Total domestic deposits to total assets | 85.7822% | 3,644 |
| Equity capital to assets | 12.3277% | 1,822 |
| Core capital (leverage) ratio | 11.8999% | 1,620 |
| Tier 1 risk-based capital ratio | 22.2445% | 1,286 |
| Total risk-based capital ratio | 23.5048% | 1,258 |
| Memoranda: | ||
| Average total assets | $167,729,000 | 3,540 |
| Average earning assets | $156,086,000 | 3,499 |
| Average equity | $20,599,000 | 3,189 |
| Average total loans | $81,519,500 | 3,970 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 3,194 |
| Cost of funding earning assets | 0.5902% | 4,440 |
| Net interest margin | 3.9639% | 2,553 |
| Noninterest income to average assets | 0.4227% | 4,433 |
| Noninterest expense to average assets | 2.0607% | 6,208 |
| Loan and lease loss provision to assets | 0.3350% | 2,011 |
| Net operating income to assets | 1.6848% | 638 |
| Return on assets (ROA) | 1.6842% | 717 |
| Pretax return on assets | 1.7208% | 1,090 |
| Return on Equity (ROE) | 13.3924% | 1,131 |
| Retained earnings to average equity (ytd only) | 1.7679% | 4,969 |
| Net charge-offs to loans | 0.1637% | 4,069 |
| Credit loss provision to net charge-offs | 410.4478% | 586 |
| Earnings coverage of net charge-offs (x) | 25.1940% | 1,145 |
| Efficiency ratio | 50.0518% | 6,587 |
| Assets per employee ($millions) | 4.6420% | 2,710 |
| Cash dividends to net income (ytd only)* | 86.7993% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4383% | 1,190 |
| Loan loss allowance to noncurrent loans | 79.5326% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.5750% | 3,027 |
| Noncurrent loans to loans | 3.0658% | 1,696 |
| Net loans and leases to total assets | 47.2638% | 5,479 |
| Net loans and leases to deposits | 57.9265% | 5,244 |
| Net loans and leases to core deposits | 69.2265% | 4,405 |
| Total domestic deposits to total assets | 81.5927% | 5,229 |
| Equity capital to assets | 12.2342% | 1,899 |
| Core capital (leverage) ratio | 11.9547% | 1,592 |
| Tier 1 risk-based capital ratio | 22.1238% | 1,242 |
| Total risk-based capital ratio | 23.3855% | 1,208 |
| Memoranda: | ||
| Average total assets | $164,168,600 | 3,547 |
| Average earning assets | $153,004,400 | 3,497 |
| Average equity | $20,646,000 | 3,129 |
| Average total loans | $81,851,000 | 3,976 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 3,012 |
| Cost of funding earning assets | 0.6056% | 4,589 |
| Net interest margin | 4.0452% | 2,313 |
| Noninterest income to average assets | 0.4348% | 4,394 |
| Noninterest expense to average assets | 1.9800% | 6,383 |
| Loan and lease loss provision to assets | 0.3263% | 2,012 |
| Net operating income to assets | 1.8625% | 503 |
| Return on assets (ROA) | 1.8625% | 573 |
| Pretax return on assets | 1.8992% | 872 |
| Return on Equity (ROE) | 14.7076% | 954 |
| Retained earnings to average equity (ytd only) | 5.6885% | 2,904 |
| Net charge-offs to loans | 0.2810% | 3,040 |
| Credit loss provision to net charge-offs | 231.2139% | 1,197 |
| Earnings coverage of net charge-offs (x) | 15.7688% | 1,730 |
| Efficiency ratio | 47.0805% | 6,766 |
| Assets per employee ($millions) | 4.7666% | 2,509 |
| Cash dividends to net income (ytd only)* | 61.3229% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1733% | 1,760 |
| Loan loss allowance to noncurrent loans | 143.6042% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 4,646 |
| Noncurrent loans to loans | 1.5134% | 3,516 |
| Net loans and leases to total assets | 46.8234% | 5,677 |
| Net loans and leases to deposits | 54.8830% | 5,726 |
| Net loans and leases to core deposits | 67.9732% | 4,725 |
| Total domestic deposits to total assets | 85.3149% | 3,610 |
| Equity capital to assets | 12.4921% | 1,892 |
| Core capital (leverage) ratio | 12.0940% | 1,597 |
| Tier 1 risk-based capital ratio | 22.1141% | 1,311 |
| Total risk-based capital ratio | 23.3725% | 1,289 |
| Memoranda: | ||
| Average total assets | $163,432,500 | 3,592 |
| Average earning assets | $152,342,750 | 3,542 |
| Average equity | $20,696,250 | 3,148 |
| Average total loans | $82,074,250 | 4,020 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 3,077 |
| Cost of funding earning assets | 0.6291% | 4,637 |
| Net interest margin | 4.0347% | 2,364 |
| Noninterest income to average assets | 0.4468% | 4,318 |
| Noninterest expense to average assets | 2.0011% | 6,432 |
| Loan and lease loss provision to assets | 0.3111% | 2,121 |
| Net operating income to assets | 1.8804% | 480 |
| Return on assets (ROA) | 1.8804% | 548 |
| Pretax return on assets | 1.9177% | 819 |
| Return on Equity (ROE) | 14.7777% | 974 |
| Retained earnings to average equity (ytd only) | 5.4866% | 2,995 |
| Net charge-offs to loans | 0.3193% | 2,755 |
| Credit loss provision to net charge-offs | 190.8397% | 1,483 |
| Earnings coverage of net charge-offs (x) | 13.6718% | 1,774 |
| Efficiency ratio | 47.3080% | 6,815 |
| Assets per employee ($millions) | 4.4533% | 2,991 |
| Cash dividends to net income (ytd only)* | 62.8723% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,512 |
| Loan loss allowance to noncurrent loans | 132.7791% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 4,580 |
| Noncurrent loans to loans | 1.4404% | 3,756 |
| Net loans and leases to total assets | 53.6487% | 4,858 |
| Net loans and leases to deposits | 64.1496% | 4,747 |
| Net loans and leases to core deposits | 78.0635% | 3,505 |
| Total domestic deposits to total assets | 83.6306% | 4,473 |
| Equity capital to assets | 12.9662% | 1,541 |
| Core capital (leverage) ratio | 12.1393% | 1,527 |
| Tier 1 risk-based capital ratio | 21.3923% | 1,408 |
| Total risk-based capital ratio | 22.6489% | 1,381 |
| Memoranda: | ||
| Average total assets | $160,711,330 | 3,650 |
| Average earning assets | $150,692,670 | 3,587 |
| Average equity | $20,449,670 | 3,169 |
| Average total loans | $82,055,000 | 4,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 3,593 |
| Cost of funding earning assets | 0.6370% | 4,836 |
| Net interest margin | 3.9438% | 2,753 |
| Noninterest income to average assets | 0.4350% | 4,413 |
| Noninterest expense to average assets | 2.0310% | 6,409 |
| Loan and lease loss provision to assets | 0.2486% | 2,476 |
| Net operating income to assets | 1.8122% | 587 |
| Return on assets (ROA) | 1.8122% | 659 |
| Pretax return on assets | 1.8495% | 976 |
| Return on Equity (ROE) | 14.3780% | 1,111 |
| Retained earnings to average equity (ytd only) | 5.5027% | 3,257 |
| Net charge-offs to loans | -0.0353% | 6,400 |
| Credit loss provision to net charge-offs | -1,428.5714% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1872% | 6,726 |
| Assets per employee ($millions) | 4.8254% | 2,476 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 2,227 |
| Loan loss allowance to noncurrent loans | 137.7171% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 4,896 |
| Noncurrent loans to loans | 1.4845% | 3,892 |
| Net loans and leases to total assets | 47.2358% | 5,650 |
| Net loans and leases to deposits | 55.1339% | 5,689 |
| Net loans and leases to core deposits | 70.9486% | 4,298 |
| Total domestic deposits to total assets | 85.6746% | 3,698 |
| Equity capital to assets | 12.1080% | 1,971 |
| Core capital (leverage) ratio | 12.3208% | 1,425 |
| Tier 1 risk-based capital ratio | 22.0348% | 1,280 |
| Total risk-based capital ratio | 23.2924% | 1,249 |
| Memoranda: | ||
| Average total assets | $160,908,500 | 3,666 |
| Average earning assets | $150,716,500 | 3,607 |
| Average equity | $20,281,000 | 3,194 |
| Average total loans | $79,240,000 | 4,143 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3287% | 1,626 |
| Cost of funding earning assets | 0.7232% | 5,385 |
| Net interest margin | 4.6055% | 916 |
| Noninterest income to average assets | 0.4570% | 4,167 |
| Noninterest expense to average assets | 2.2042% | 6,260 |
| Loan and lease loss provision to assets | 0.3962% | 2,619 |
| Net operating income to assets | 2.1570% | 243 |
| Return on assets (ROA) | 2.2029% | 235 |
| Pretax return on assets | 2.2432% | 337 |
| Return on Equity (ROE) | 17.2873% | 448 |
| Retained earnings to average equity (ytd only) | 7.9596% | 1,095 |
| Net charge-offs to loans | 0.5824% | 2,699 |
| Credit loss provision to net charge-offs | 132.7434% | 2,290 |
| Earnings coverage of net charge-offs (x) | 8.6858% | 2,109 |
| Efficiency ratio | 45.9526% | 7,045 |
| Assets per employee ($millions) | 4.3694% | 3,119 |
| Cash dividends to net income (ytd only)* | 53.9568% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 2,202 |
| Loan loss allowance to noncurrent loans | 138.2431% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8507% | 4,921 |
| Noncurrent loans to loans | 1.4629% | 3,965 |
| Net loans and leases to total assets | 49.3572% | 5,677 |
| Net loans and leases to deposits | 61.3756% | 5,327 |
| Net loans and leases to core deposits | 77.2888% | 3,784 |
| Total domestic deposits to total assets | 80.4182% | 5,618 |
| Equity capital to assets | 13.1519% | 1,419 |
| Core capital (leverage) ratio | 12.3004% | 1,440 |
| Tier 1 risk-based capital ratio | 23.6423% | 1,007 |
| Total risk-based capital ratio | 24.9005% | 992 |
| Memoranda: | ||
| Average total assets | $151,436,800 | 3,772 |
| Average earning assets | $142,698,200 | 3,697 |
| Average equity | $19,297,400 | 3,241 |
| Average total loans | $77,607,600 | 4,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4792% | 1,305 |
| Cost of funding earning assets | 0.7332% | 5,574 |
| Net interest margin | 4.7460% | 691 |
| Noninterest income to average assets | 0.4643% | 4,178 |
| Noninterest expense to average assets | 2.1650% | 6,359 |
| Loan and lease loss provision to assets | 0.4854% | 2,048 |
| Net operating income to assets | 2.2484% | 236 |
| Return on assets (ROA) | 2.3098% | 225 |
| Pretax return on assets | 2.3495% | 334 |
| Return on Equity (ROE) | 18.2745% | 434 |
| Retained earnings to average equity (ytd only) | 9.1966% | 1,080 |
| Net charge-offs to loans | 0.6448% | 2,317 |
| Credit loss provision to net charge-offs | 146.2766% | 2,155 |
| Earnings coverage of net charge-offs (x) | 8.3537% | 2,190 |
| Efficiency ratio | 43.8506% | 7,150 |
| Assets per employee ($millions) | 4.3776% | 3,119 |
| Cash dividends to net income (ytd only)* | 49.6751% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 2,224 |
| Loan loss allowance to noncurrent loans | 117.1471% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,973 |
| Noncurrent loans to loans | 1.7437% | 3,709 |
| Net loans and leases to total assets | 49.6090% | 5,756 |
| Net loans and leases to deposits | 58.9724% | 5,750 |
| Net loans and leases to core deposits | 74.5274% | 4,376 |
| Total domestic deposits to total assets | 84.1224% | 4,175 |
| Equity capital to assets | 13.0469% | 1,599 |
| Core capital (leverage) ratio | 12.3925% | 1,487 |
| Tier 1 risk-based capital ratio | 23.5186% | 1,069 |
| Total risk-based capital ratio | 24.7771% | 1,051 |
| Memoranda: | ||
| Average total assets | $151,064,000 | 3,806 |
| Average earning assets | $142,377,000 | 3,729 |
| Average equity | $19,093,500 | 3,268 |
| Average total loans | $77,749,750 | 4,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 1,584 |
| Cost of funding earning assets | 0.7301% | 5,781 |
| Net interest margin | 4.6642% | 796 |
| Noninterest income to average assets | 0.4576% | 4,222 |
| Noninterest expense to average assets | 2.2149% | 6,348 |
| Loan and lease loss provision to assets | 0.3991% | 2,423 |
| Net operating income to assets | 2.1995% | 264 |
| Return on assets (ROA) | 2.2920% | 237 |
| Pretax return on assets | 2.3319% | 329 |
| Return on Equity (ROE) | 18.3350% | 437 |
| Retained earnings to average equity (ytd only) | 9.8219% | 891 |
| Net charge-offs to loans | 0.5244% | 2,526 |
| Credit loss provision to net charge-offs | 147.0588% | 2,080 |
| Earnings coverage of net charge-offs (x) | 9.7157% | 1,885 |
| Efficiency ratio | 45.6540% | 7,168 |
| Assets per employee ($millions) | 4.4824% | 2,872 |
| Cash dividends to net income (ytd only)* | 46.4306% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 2,901 |
| Loan loss allowance to noncurrent loans | 75.4887% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3176% | 4,273 |
| Noncurrent loans to loans | 2.4196% | 2,968 |
| Net loans and leases to total assets | 53.1131% | 5,413 |
| Net loans and leases to deposits | 62.7732% | 5,421 |
| Net loans and leases to core deposits | 80.2415% | 3,751 |
| Total domestic deposits to total assets | 84.6112% | 4,066 |
| Equity capital to assets | 12.8954% | 1,573 |
| Core capital (leverage) ratio | 12.4301% | 1,397 |
| Tier 1 risk-based capital ratio | 22.0161% | 1,254 |
| Total risk-based capital ratio | 23.2726% | 1,222 |
| Memoranda: | ||
| Average total assets | $150,346,670 | 3,841 |
| Average earning assets | $141,631,670 | 3,761 |
| Average equity | $18,794,670 | 3,289 |
| Average total loans | $77,801,670 | 4,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 1,338 |
| Cost of funding earning assets | 0.7328% | 5,962 |
| Net interest margin | 4.7516% | 635 |
| Noninterest income to average assets | 0.4474% | 4,313 |
| Noninterest expense to average assets | 2.2556% | 6,291 |
| Loan and lease loss provision to assets | 0.4018% | 2,187 |
| Net operating income to assets | 2.2310% | 245 |
| Return on assets (ROA) | 2.3413% | 225 |
| Pretax return on assets | 2.3842% | 295 |
| Return on Equity (ROE) | 19.0357% | 398 |
| Retained earnings to average equity (ytd only) | 8.1457% | 1,679 |
| Net charge-offs to loans | 0.2279% | 3,174 |
| Credit loss provision to net charge-offs | 348.8372% | 938 |
| Earnings coverage of net charge-offs (x) | 23.2093% | 1,026 |
| Efficiency ratio | 45.7609% | 7,212 |
| Assets per employee ($millions) | 4.3596% | 3,110 |
| Cash dividends to net income (ytd only)* | 57.2082% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9728% | 2,486 |
| Loan loss allowance to noncurrent loans | 92.8397% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1024% | 4,712 |
| Noncurrent loans to loans | 2.1250% | 3,413 |
| Net loans and leases to total assets | 50.8527% | 5,731 |
| Net loans and leases to deposits | 61.1076% | 5,608 |
| Net loans and leases to core deposits | 77.8264% | 4,046 |
| Total domestic deposits to total assets | 83.2184% | 4,841 |
| Equity capital to assets | 12.3701% | 1,702 |
| Core capital (leverage) ratio | 12.1341% | 1,486 |
| Tier 1 risk-based capital ratio | 22.9932% | 1,082 |
| Total risk-based capital ratio | 24.2511% | 1,068 |
| Memoranda: | ||
| Average total assets | $149,318,500 | 3,887 |
| Average earning assets | $140,837,000 | 3,806 |
| Average equity | $18,365,500 | 3,346 |
| Average total loans | $75,476,500 | 4,404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 3,264 |
| Cost of funding earning assets | 0.8314% | 6,438 |
| Net interest margin | 4.4399% | 1,374 |
| Noninterest income to average assets | 0.4654% | 4,407 |
| Noninterest expense to average assets | 2.0991% | 6,847 |
| Loan and lease loss provision to assets | 0.4937% | 3,188 |
| Net operating income to assets | 2.0208% | 274 |
| Return on assets (ROA) | 2.1202% | 235 |
| Pretax return on assets | 2.1603% | 352 |
| Return on Equity (ROE) | 17.6571% | 408 |
| Retained earnings to average equity (ytd only) | 6.0903% | 1,770 |
| Net charge-offs to loans | 0.5861% | 3,278 |
| Credit loss provision to net charge-offs | 174.8252% | 1,914 |
| Earnings coverage of net charge-offs (x) | 9.0396% | 1,887 |
| Efficiency ratio | 45.1252% | 7,383 |
| Assets per employee ($millions) | 4.4238% | 2,982 |
| Cash dividends to net income (ytd only)* | 65.5076% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,552 |
| Loan loss allowance to noncurrent loans | 66.0112% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 1.4201% | 4,217 |
| Noncurrent loans to loans | 2.8842% | 2,640 |
| Net loans and leases to total assets | 48.3003% | 6,361 |
| Net loans and leases to deposits | 58.2774% | 6,230 |
| Net loans and leases to core deposits | 70.7884% | 5,359 |
| Total domestic deposits to total assets | 82.8800% | 4,847 |
| Equity capital to assets | 12.2300% | 1,775 |
| Core capital (leverage) ratio | 11.3615% | 1,917 |
| Tier 1 risk-based capital ratio | 22.7761% | 1,069 |
| Total risk-based capital ratio | 24.0331% | 1,047 |
| Memoranda: | ||
| Average total assets | $151,923,200 | 3,846 |
| Average earning assets | $143,246,000 | 3,756 |
| Average equity | $18,242,000 | 3,392 |
| Average total loans | $73,194,600 | 4,559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 3,436 |
| Cost of funding earning assets | 0.8490% | 6,582 |
| Net interest margin | 4.4343% | 1,414 |
| Noninterest income to average assets | 0.4911% | 4,261 |
| Noninterest expense to average assets | 1.9513% | 7,132 |
| Loan and lease loss provision to assets | 0.5296% | 2,816 |
| Net operating income to assets | 2.1528% | 263 |
| Return on assets (ROA) | 2.2849% | 212 |
| Pretax return on assets | 2.3243% | 319 |
| Return on Equity (ROE) | 19.1164% | 385 |
| Retained earnings to average equity (ytd only) | 9.2286% | 986 |
| Net charge-offs to loans | 0.7089% | 2,648 |
| Credit loss provision to net charge-offs | 155.9278% | 2,460 |
| Earnings coverage of net charge-offs (x) | 8.0052% | 2,224 |
| Efficiency ratio | 41.7807% | 7,534 |
| Assets per employee ($millions) | 4.6285% | 2,710 |
| Cash dividends to net income (ytd only)* | 51.7243% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8240% | 2,708 |
| Loan loss allowance to noncurrent loans | 50.6988% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 3,986 |
| Noncurrent loans to loans | 3.5977% | 2,178 |
| Net loans and leases to total assets | 44.6686% | 6,799 |
| Net loans and leases to deposits | 52.2690% | 6,879 |
| Net loans and leases to core deposits | 61.5640% | 6,493 |
| Total domestic deposits to total assets | 85.4591% | 3,374 |
| Equity capital to assets | 12.0855% | 2,099 |
| Core capital (leverage) ratio | 11.4735% | 1,956 |
| Tier 1 risk-based capital ratio | 22.9832% | 1,075 |
| Total risk-based capital ratio | 24.2382% | 1,044 |
| Memoranda: | ||
| Average total assets | $152,301,750 | 3,893 |
| Average earning assets | $143,545,000 | 3,806 |
| Average equity | $18,203,750 | 3,438 |
| Average total loans | $72,978,750 | 4,639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3597% | 3,157 |
| Cost of funding earning assets | 0.8860% | 6,641 |
| Net interest margin | 4.4737% | 1,259 |
| Noninterest income to average assets | 0.4462% | 4,557 |
| Noninterest expense to average assets | 1.8896% | 7,281 |
| Loan and lease loss provision to assets | 0.5312% | 2,661 |
| Net operating income to assets | 2.2071% | 226 |
| Return on assets (ROA) | 2.4075% | 171 |
| Pretax return on assets | 2.4473% | 253 |
| Return on Equity (ROE) | 20.2208% | 304 |
| Retained earnings to average equity (ytd only) | 10.1829% | 804 |
| Net charge-offs to loans | 0.8769% | 2,078 |
| Credit loss provision to net charge-offs | 124.2236% | 3,258 |
| Earnings coverage of net charge-offs (x) | 6.4876% | 2,451 |
| Efficiency ratio | 40.5182% | 7,634 |
| Assets per employee ($millions) | 4.5574% | 2,781 |
| Cash dividends to net income (ytd only)* | 49.6415% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 3,588 |
| Loan loss allowance to noncurrent loans | 73.7674% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 5,035 |
| Noncurrent loans to loans | 2.1266% | 3,558 |
| Net loans and leases to total assets | 48.6874% | 6,576 |
| Net loans and leases to deposits | 57.0913% | 6,650 |
| Net loans and leases to core deposits | 67.4643% | 6,101 |
| Total domestic deposits to total assets | 85.2800% | 3,478 |
| Equity capital to assets | 12.1242% | 2,027 |
| Core capital (leverage) ratio | 11.6343% | 1,843 |
| Tier 1 risk-based capital ratio | 21.4335% | 1,279 |
| Total risk-based capital ratio | 22.6862% | 1,256 |
| Memoranda: | ||
| Average total assets | $150,612,330 | 3,942 |
| Average earning assets | $141,985,000 | 3,865 |
| Average equity | $17,932,000 | 3,477 |
| Average total loans | $73,438,000 | 4,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 2,923 |
| Cost of funding earning assets | 0.9283% | 6,664 |
| Net interest margin | 4.4957% | 1,152 |
| Noninterest income to average assets | 0.4724% | 4,274 |
| Noninterest expense to average assets | 1.7330% | 7,547 |
| Loan and lease loss provision to assets | 0.3981% | 2,987 |
| Net operating income to assets | 2.5565% | 140 |
| Return on assets (ROA) | 2.5955% | 136 |
| Pretax return on assets | 2.6353% | 200 |
| Return on Equity (ROE) | 22.0010% | 270 |
| Retained earnings to average equity (ytd only) | 11.8778% | 765 |
| Net charge-offs to loans | 0.0219% | 5,268 |
| Credit loss provision to net charge-offs | 3,750.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 114 |
| Efficiency ratio | 36.6648% | 7,784 |
| Assets per employee ($millions) | 4.4039% | 3,120 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 3,246 |
| Loan loss allowance to noncurrent loans | 92.8518% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 5,382 |
| Noncurrent loans to loans | 1.7787% | 4,086 |
| Net loans and leases to total assets | 49.0757% | 6,569 |
| Net loans and leases to deposits | 57.6839% | 6,640 |
| Net loans and leases to core deposits | 69.1468% | 5,987 |
| Total domestic deposits to total assets | 85.0769% | 3,634 |
| Equity capital to assets | 12.1068% | 1,983 |
| Core capital (leverage) ratio | 11.0972% | 2,161 |
| Tier 1 risk-based capital ratio | 20.7931% | 1,373 |
| Total risk-based capital ratio | 22.0467% | 1,347 |
| Memoranda: | ||
| Average total assets | $150,721,500 | 3,998 |
| Average earning assets | $142,624,000 | 3,899 |
| Average equity | $17,781,000 | 3,521 |
| Average total loans | $72,962,000 | 4,748 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8111% | 2,610 |
| Cost of funding earning assets | 1.1976% | 6,666 |
| Net interest margin | 4.6135% | 955 |
| Noninterest income to average assets | 0.4292% | 4,975 |
| Noninterest expense to average assets | 2.3739% | 6,539 |
| Loan and lease loss provision to assets | 0.3789% | 4,517 |
| Net operating income to assets | 1.9547% | 252 |
| Return on assets (ROA) | 2.0742% | 213 |
| Pretax return on assets | 2.1135% | 331 |
| Return on Equity (ROE) | 17.7955% | 383 |
| Retained earnings to average equity (ytd only) | 5.9752% | 1,358 |
| Net charge-offs to loans | 0.6593% | 3,210 |
| Credit loss provision to net charge-offs | 117.7730% | 4,598 |
| Earnings coverage of net charge-offs (x) | 7.3683% | 2,163 |
| Efficiency ratio | 50.0363% | 7,539 |
| Assets per employee ($millions) | 4.4620% | 2,991 |
| Cash dividends to net income (ytd only)* | 66.4231% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,581 |
| Loan loss allowance to noncurrent loans | 84.2227% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 5,403 |
| Noncurrent loans to loans | 1.8158% | 3,903 |
| Net loans and leases to total assets | 46.2187% | 6,952 |
| Net loans and leases to deposits | 53.7789% | 7,066 |
| Net loans and leases to core deposits | 72.1134% | 6,652 |
| Total domestic deposits to total assets | 85.9422% | 3,048 |
| Equity capital to assets | 11.4917% | 2,327 |
| Core capital (leverage) ratio | 11.2611% | 2,068 |
| Tier 1 risk-based capital ratio | 20.4516% | 1,380 |
| Total risk-based capital ratio | 21.7018% | 1,349 |
| Memoranda: | ||
| Average total assets | $145,164,800 | 4,026 |
| Average earning assets | $135,774,000 | 3,984 |
| Average equity | $16,920,000 | 3,686 |
| Average total loans | $70,830,600 | 4,843 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8838% | 2,517 |
| Cost of funding earning assets | 1.2573% | 6,689 |
| Net interest margin | 4.6265% | 945 |
| Noninterest income to average assets | 0.4403% | 4,963 |
| Noninterest expense to average assets | 2.1960% | 6,989 |
| Loan and lease loss provision to assets | 0.3251% | 4,381 |
| Net operating income to assets | 2.2065% | 176 |
| Return on assets (ROA) | 2.3567% | 149 |
| Pretax return on assets | 2.3930% | 235 |
| Return on Equity (ROE) | 20.1446% | 302 |
| Retained earnings to average equity (ytd only) | 10.9656% | 477 |
| Net charge-offs to loans | 0.4882% | 3,274 |
| Credit loss provision to net charge-offs | 135.1351% | 3,672 |
| Earnings coverage of net charge-offs (x) | 10.6604% | 1,938 |
| Efficiency ratio | 46.1268% | 7,763 |
| Assets per employee ($millions) | 4.3370% | 3,144 |
| Cash dividends to net income (ytd only)* | 45.5655% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 3,358 |
| Loan loss allowance to noncurrent loans | 79.6659% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.9338% | 5,203 |
| Noncurrent loans to loans | 1.8999% | 3,777 |
| Net loans and leases to total assets | 48.4080% | 6,918 |
| Net loans and leases to deposits | 58.2165% | 6,951 |
| Net loans and leases to core deposits | 80.2557% | 6,332 |
| Total domestic deposits to total assets | 83.1517% | 4,149 |
| Equity capital to assets | 12.1778% | 2,140 |
| Core capital (leverage) ratio | 11.6753% | 1,978 |
| Tier 1 risk-based capital ratio | 21.5770% | 1,276 |
| Total risk-based capital ratio | 22.8288% | 1,254 |
| Memoranda: | ||
| Average total assets | $143,528,750 | 4,077 |
| Average earning assets | $134,036,500 | 4,038 |
| Average equity | $16,791,500 | 3,747 |
| Average total loans | $70,736,500 | 4,888 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9003% | 2,579 |
| Cost of funding earning assets | 1.2873% | 6,848 |
| Net interest margin | 4.6131% | 931 |
| Noninterest income to average assets | 0.4374% | 4,962 |
| Noninterest expense to average assets | 2.2993% | 6,759 |
| Loan and lease loss provision to assets | 0.3516% | 3,821 |
| Net operating income to assets | 2.0613% | 254 |
| Return on assets (ROA) | 2.1164% | 249 |
| Pretax return on assets | 2.1516% | 395 |
| Return on Equity (ROE) | 18.3503% | 463 |
| Retained earnings to average equity (ytd only) | 8.5960% | 1,039 |
| Net charge-offs to loans | 0.3050% | 3,658 |
| Credit loss provision to net charge-offs | 233.6449% | 1,982 |
| Earnings coverage of net charge-offs (x) | 16.2617% | 1,540 |
| Efficiency ratio | 48.4444% | 7,739 |
| Assets per employee ($millions) | 4.0990% | 3,498 |
| Cash dividends to net income (ytd only)* | 53.1561% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4976% | 3,216 |
| Loan loss allowance to noncurrent loans | 83.5636% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9982% | 4,973 |
| Noncurrent loans to loans | 1.7921% | 3,814 |
| Net loans and leases to total assets | 52.6791% | 6,604 |
| Net loans and leases to deposits | 61.6409% | 6,761 |
| Net loans and leases to core deposits | 71.4863% | 6,935 |
| Total domestic deposits to total assets | 85.4613% | 3,033 |
| Equity capital to assets | 11.6614% | 2,414 |
| Core capital (leverage) ratio | 11.3444% | 2,175 |
| Tier 1 risk-based capital ratio | 18.1925% | 1,959 |
| Total risk-based capital ratio | 19.4432% | 1,905 |
| Memoranda: | ||
| Average total assets | $142,219,330 | 4,132 |
| Average earning assets | $132,839,670 | 4,087 |
| Average equity | $16,403,000 | 3,836 |
| Average total loans | $70,156,000 | 4,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9179% | 2,714 |
| Cost of funding earning assets | 1.3470% | 6,880 |
| Net interest margin | 4.5709% | 994 |
| Noninterest income to average assets | 0.4322% | 4,942 |
| Noninterest expense to average assets | 2.1695% | 6,949 |
| Loan and lease loss provision to assets | 0.4237% | 2,808 |
| Net operating income to assets | 2.0729% | 305 |
| Return on assets (ROA) | 2.1808% | 279 |
| Pretax return on assets | 2.2147% | 431 |
| Return on Equity (ROE) | 19.0154% | 505 |
| Retained earnings to average equity (ytd only) | 6.6997% | 2,331 |
| Net charge-offs to loans | 0.7716% | 1,665 |
| Credit loss provision to net charge-offs | 116.2791% | 3,351 |
| Earnings coverage of net charge-offs (x) | 6.9380% | 2,413 |
| Efficiency ratio | 46.1816% | 7,837 |
| Assets per employee ($millions) | 4.0138% | 3,634 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 2,950 |
| Loan loss allowance to noncurrent loans | 85.6547% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 5,059 |
| Noncurrent loans to loans | 1.7587% | 3,630 |
| Net loans and leases to total assets | 47.7994% | 7,045 |
| Net loans and leases to deposits | 56.1262% | 7,152 |
| Net loans and leases to core deposits | 64.2000% | 7,309 |
| Total domestic deposits to total assets | 85.1640% | 3,128 |
| Equity capital to assets | 11.7815% | 2,395 |
| Core capital (leverage) ratio | 11.0280% | 2,479 |
| Tier 1 risk-based capital ratio | 19.6862% | 1,680 |
| Total risk-based capital ratio | 20.9360% | 1,628 |
| Memoranda: | ||
| Average total assets | $141,596,500 | 4,158 |
| Average earning assets | $132,141,500 | 4,104 |
| Average equity | $16,239,500 | 3,896 |
| Average total loans | $66,871,500 | 5,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8588% | 1,517 |
| Cost of funding earning assets | 1.7325% | 7,177 |
| Net interest margin | 5.1262% | 381 |
| Noninterest income to average assets | 0.4494% | 5,041 |
| Noninterest expense to average assets | 2.2322% | 6,889 |
| Loan and lease loss provision to assets | 0.2531% | 4,389 |
| Net operating income to assets | 2.7142% | 88 |
| Return on assets (ROA) | 2.6969% | 90 |
| Pretax return on assets | 2.7383% | 131 |
| Return on Equity (ROE) | 24.5559% | 153 |
| Retained earnings to average equity (ytd only) | 13.3846% | 147 |
| Net charge-offs to loans | 0.4704% | 2,477 |
| Credit loss provision to net charge-offs | 115.3846% | 4,676 |
| Earnings coverage of net charge-offs (x) | 13.7203% | 2,108 |
| Efficiency ratio | 42.5896% | 8,056 |
| Assets per employee ($millions) | 4.0774% | 3,348 |
| Cash dividends to net income (ytd only)* | 45.4933% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 2,527 |
| Loan loss allowance to noncurrent loans | 139.7222% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 5,675 |
| Noncurrent loans to loans | 1.0981% | 4,364 |
| Net loans and leases to total assets | 45.2386% | 7,392 |
| Net loans and leases to deposits | 53.9533% | 7,439 |
| Net loans and leases to core deposits | 60.7121% | 7,554 |
| Total domestic deposits to total assets | 83.8477% | 3,398 |
| Equity capital to assets | 11.1611% | 2,909 |
| Core capital (leverage) ratio | 11.2808% | 2,385 |
| Tier 1 risk-based capital ratio | 19.4955% | 1,702 |
| Total risk-based capital ratio | 20.7461% | 1,663 |
| Memoranda: | ||
| Average total assets | $130,408,200 | 4,276 |
| Average earning assets | $121,902,000 | 4,215 |
| Average equity | $14,322,400 | 4,265 |
| Average total loans | $60,805,200 | 5,227 |