Home > Citizens National Bank at Brownwood > Performance and Condition Ratios
Citizens National Bank at Brownwood, 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 | 3.7421% | 4,239 |
| Cost of funding earning assets | 1.1507% | 2,936 |
| Net interest margin | 2.5914% | 3,977 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.2183% | 3,078 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7059% | 3,181 |
| Return on assets (ROA) | 0.6435% | 3,310 |
| Pretax return on assets | 0.6435% | 3,553 |
| Return on Equity (ROE) | 10.0600% | 2,480 |
| Retained earnings to average equity (ytd only) | 1.2767% | 3,765 |
| Net charge-offs to loans | 0.0368% | 1,573 |
| Credit loss provision to net charge-offs | 142.8571% | 1,510 |
| Earnings coverage of net charge-offs (x) | 48.5714% | 1,315 |
| Efficiency ratio | 75.3086% | 1,322 |
| Assets per employee ($millions) | 6.8515% | 2,174 |
| Cash dividends to net income (ytd only)* | 87.3130% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 780 |
| Loan loss allowance to noncurrent loans | 229.6798% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 1,813 |
| Noncurrent loans to loans | 0.7126% | 1,093 |
| Net loans and leases to total assets | 38.9500% | 4,072 |
| Net loans and leases to deposits | 44.0185% | 4,105 |
| Net loans and leases to core deposits | 47.7729% | 4,127 |
| Total domestic deposits to total assets | 88.4800% | 1,213 |
| Equity capital to assets | 7.1396% | 3,881 |
| Core capital (leverage) ratio | 10.5868% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $280,481,800 | 2,522 |
| Average earning assets | $260,707,600 | 2,517 |
| Average equity | $17,937,400 | 3,019 |
| Average total loans | $114,236,000 | 3,000 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,216 |
| Cost of funding earning assets | 1.0810% | 2,801 |
| Net interest margin | 2.6137% | 4,010 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.2143% | 3,043 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7335% | 3,222 |
| Return on assets (ROA) | 0.6498% | 3,422 |
| Pretax return on assets | 0.6498% | 3,646 |
| Return on Equity (ROE) | 10.4700% | 2,509 |
| Retained earnings to average equity (ytd only) | 0.9642% | 3,959 |
| Net charge-offs to loans | 0.0292% | 1,487 |
| Credit loss provision to net charge-offs | 180.0000% | 1,191 |
| Earnings coverage of net charge-offs (x) | 63.1200% | 1,173 |
| Efficiency ratio | 74.5730% | 1,315 |
| Assets per employee ($millions) | 6.3500% | 2,456 |
| Cash dividends to net income (ytd only)* | 90.7953% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 761 |
| Loan loss allowance to noncurrent loans | 475.0636% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 2,612 |
| Noncurrent loans to loans | 0.3505% | 1,966 |
| Net loans and leases to total assets | 40.3800% | 4,041 |
| Net loans and leases to deposits | 45.3525% | 4,070 |
| Net loans and leases to core deposits | 49.0516% | 4,062 |
| Total domestic deposits to total assets | 89.0400% | 1,231 |
| Equity capital to assets | 6.4438% | 3,849 |
| Core capital (leverage) ratio | 10.6811% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $278,661,500 | 2,535 |
| Average earning assets | $258,883,000 | 2,531 |
| Average equity | $17,285,500 | 3,057 |
| Average total loans | $114,308,250 | 3,010 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6511% | 4,196 |
| Cost of funding earning assets | 1.0139% | 2,560 |
| Net interest margin | 2.6372% | 4,062 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.2179% | 3,023 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7308% | 3,272 |
| Return on assets (ROA) | 0.6060% | 3,568 |
| Pretax return on assets | 0.6060% | 3,790 |
| Return on Equity (ROE) | 9.8900% | 2,734 |
| Retained earnings to average equity (ytd only) | 0.5936% | 3,972 |
| Net charge-offs to loans | 0.0156% | 1,615 |
| Credit loss provision to net charge-offs | 333.3333% | 804 |
| Earnings coverage of net charge-offs (x) | 117.2222% | 858 |
| Efficiency ratio | 74.6759% | 1,284 |
| Assets per employee ($millions) | 6.1188% | 2,607 |
| Cash dividends to net income (ytd only)* | 94.0000% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 729 |
| Loan loss allowance to noncurrent loans | 1,146.0123% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,171 |
| Noncurrent loans to loans | 0.1494% | 2,717 |
| Net loans and leases to total assets | 38.9600% | 4,071 |
| Net loans and leases to deposits | 43.6702% | 4,116 |
| Net loans and leases to core deposits | 46.3919% | 4,118 |
| Total domestic deposits to total assets | 89.2100% | 1,173 |
| Equity capital to assets | 6.4337% | 4,023 |
| Core capital (leverage) ratio | 10.5982% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $280,531,333 | 2,526 |
| Average earning assets | $260,582,000 | 2,527 |
| Average equity | $17,182,333 | 3,089 |
| Average total loans | $115,033,000 | 3,006 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5871% | 4,170 |
| Cost of funding earning assets | 0.9358% | 2,258 |
| Net interest margin | 2.6512% | 4,147 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.2195% | 3,044 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7022% | 3,461 |
| Return on assets (ROA) | 0.4549% | 3,944 |
| Pretax return on assets | 0.4549% | 4,051 |
| Return on Equity (ROE) | 7.6100% | 3,386 |
| Retained earnings to average equity (ytd only) | -6.9520% | 4,397 |
| Net charge-offs to loans | 0.0271% | 1,152 |
| Credit loss provision to net charge-offs | 187.5000% | 852 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 987 |
| Efficiency ratio | 75.4201% | 1,209 |
| Assets per employee ($millions) | 5.9362% | 2,816 |
| Cash dividends to net income (ytd only)* | 191.3043% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 977 |
| Loan loss allowance to noncurrent loans | 415.6951% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1599% | 2,385 |
| Noncurrent loans to loans | 0.3895% | 1,761 |
| Net loans and leases to total assets | 40.3800% | 4,026 |
| Net loans and leases to deposits | 45.4502% | 4,055 |
| Net loans and leases to core deposits | 48.2200% | 4,041 |
| Total domestic deposits to total assets | 88.8400% | 1,600 |
| Equity capital to assets | 6.2541% | 4,121 |
| Core capital (leverage) ratio | 10.2149% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $283,123,500 | 2,542 |
| Average earning assets | $263,725,500 | 2,541 |
| Average equity | $16,916,000 | 3,136 |
| Average total loans | $117,982,000 | 2,999 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0318% | 4,095 |
| Cost of funding earning assets | 0.2934% | 2,934 |
| Net interest margin | 2.7384% | 3,992 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.1338% | 3,206 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0303% | 2,456 |
| Return on assets (ROA) | 1.0303% | 2,396 |
| Pretax return on assets | 1.0303% | 2,977 |
| Return on Equity (ROE) | 15.0300% | 1,250 |
| Retained earnings to average equity (ytd only) | 2.2623% | 3,927 |
| Net charge-offs to loans | 0.0070% | 2,145 |
| Credit loss provision to net charge-offs | 312.5000% | 896 |
| Earnings coverage of net charge-offs (x) | 384.2500% | 403 |
| Efficiency ratio | 67.2596% | 2,052 |
| Assets per employee ($millions) | 5.8622% | 2,890 |
| Cash dividends to net income (ytd only)* | 84.9459% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 790 |
| Loan loss allowance to noncurrent loans | 756.7273% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 2,875 |
| Noncurrent loans to loans | 0.2264% | 2,362 |
| Net loans and leases to total assets | 41.5600% | 4,002 |
| Net loans and leases to deposits | 44.3082% | 4,104 |
| Net loans and leases to core deposits | 46.4172% | 4,106 |
| Total domestic deposits to total assets | 93.7900% | 267 |
| Equity capital to assets | 5.7035% | 4,181 |
| Core capital (leverage) ratio | 10.1679% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0147% | 716 |
| Memoranda: | ||
| Average total assets | $295,945,600 | 2,469 |
| Average earning assets | $278,484,800 | 2,449 |
| Average equity | $20,289,400 | 2,930 |
| Average total loans | $114,803,200 | 2,978 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8676% | 4,099 |
| Cost of funding earning assets | 0.1874% | 3,426 |
| Net interest margin | 2.6802% | 3,964 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.0957% | 3,220 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.0385% | 2,329 |
| Return on assets (ROA) | 1.0385% | 2,296 |
| Pretax return on assets | 1.0385% | 2,905 |
| Return on Equity (ROE) | 14.5600% | 1,272 |
| Retained earnings to average equity (ytd only) | 1.9185% | 4,051 |
| Net charge-offs to loans | 0.0071% | 1,886 |
| Credit loss provision to net charge-offs | 416.6667% | 684 |
| Earnings coverage of net charge-offs (x) | 391.1667% | 391 |
| Efficiency ratio | 66.6288% | 2,200 |
| Assets per employee ($millions) | 5.7530% | 2,985 |
| Cash dividends to net income (ytd only)* | 86.8217% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 832 |
| Loan loss allowance to noncurrent loans | 1,150.8287% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,257 |
| Noncurrent loans to loans | 0.1500% | 2,861 |
| Net loans and leases to total assets | 41.2300% | 4,017 |
| Net loans and leases to deposits | 44.5952% | 4,088 |
| Net loans and leases to core deposits | 46.8256% | 4,067 |
| Total domestic deposits to total assets | 92.4400% | 735 |
| Equity capital to assets | 5.4261% | 4,154 |
| Core capital (leverage) ratio | 9.9630% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8500% | 747 |
| Memoranda: | ||
| Average total assets | $298,120,500 | 2,477 |
| Average earning assets | $281,018,500 | 2,455 |
| Average equity | $21,266,000 | 2,872 |
| Average total loans | $113,140,500 | 3,010 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7874% | 4,000 |
| Cost of funding earning assets | 0.1264% | 3,887 |
| Net interest margin | 2.6610% | 3,793 |
| Noninterest income to average assets | 0.6326% | 1,605 |
| Noninterest expense to average assets | 2.0424% | 3,318 |
| Loan and lease loss provision to assets | 0.0166% | 2,305 |
| Net operating income to assets | 1.0862% | 1,823 |
| Return on assets (ROA) | 1.0862% | 1,809 |
| Pretax return on assets | 1.0862% | 2,454 |
| Return on Equity (ROE) | 14.1500% | 1,078 |
| Retained earnings to average equity (ytd only) | 1.9955% | 3,754 |
| Net charge-offs to loans | 0.0289% | 1,149 |
| Credit loss provision to net charge-offs | 156.2500% | 1,075 |
| Earnings coverage of net charge-offs (x) | 103.9375% | 795 |
| Efficiency ratio | 64.9378% | 2,643 |
| Assets per employee ($millions) | 6.0154% | 2,727 |
| Cash dividends to net income (ytd only)* | 85.8974% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 833 |
| Loan loss allowance to noncurrent loans | 964.1860% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,245 |
| Noncurrent loans to loans | 0.1850% | 2,780 |
| Net loans and leases to total assets | 38.7278% | 4,132 |
| Net loans and leases to deposits | 41.4752% | 4,207 |
| Net loans and leases to core deposits | 43.2607% | 4,215 |
| Total domestic deposits to total assets | 93.3759% | 417 |
| Equity capital to assets | 6.1094% | 4,173 |
| Core capital (leverage) ratio | 9.7275% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0800% | 705 |
| Memoranda: | ||
| Average total assets | $301,611,000 | 2,475 |
| Average earning assets | $284,783,000 | 2,459 |
| Average equity | $23,152,000 | 2,807 |
| Average total loans | $110,631,667 | 3,056 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6120% | 4,098 |
| Cost of funding earning assets | 0.1136% | 3,966 |
| Net interest margin | 2.4984% | 3,909 |
| Noninterest income to average assets | 0.7147% | 1,269 |
| Noninterest expense to average assets | 1.9932% | 3,438 |
| Loan and lease loss provision to assets | 0.0328% | 1,781 |
| Net operating income to assets | 1.0543% | 1,671 |
| Return on assets (ROA) | 1.0543% | 1,664 |
| Pretax return on assets | 1.0543% | 2,280 |
| Return on Equity (ROE) | 12.5019% | 1,160 |
| Retained earnings to average equity (ytd only) | 1.2906% | 3,751 |
| Net charge-offs to loans | -0.0223% | 3,971 |
| Credit loss provision to net charge-offs | -416.6667% | 3,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7084% | 2,946 |
| Assets per employee ($millions) | 6.2888% | 2,569 |
| Cash dividends to net income (ytd only)* | 89.6766% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9225% | 710 |
| Loan loss allowance to noncurrent loans | 684.6405% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 3,098 |
| Noncurrent loans to loans | 0.2808% | 2,465 |
| Net loans and leases to total assets | 35.4053% | 4,245 |
| Net loans and leases to deposits | 38.8185% | 4,289 |
| Net loans and leases to core deposits | 40.2919% | 4,303 |
| Total domestic deposits to total assets | 91.2073% | 928 |
| Equity capital to assets | 8.3299% | 3,301 |
| Core capital (leverage) ratio | 9.4565% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9543% | 647 |
| Memoranda: | ||
| Average total assets | $305,038,000 | 2,476 |
| Average earning assets | $288,820,000 | 2,449 |
| Average equity | $25,724,000 | 2,727 |
| Average total loans | $107,834,500 | 3,087 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9583% | 3,940 |
| Cost of funding earning assets | 0.1163% | 4,263 |
| Net interest margin | 2.8420% | 3,580 |
| Noninterest income to average assets | 0.9148% | 1,166 |
| Noninterest expense to average assets | 2.1314% | 3,302 |
| Loan and lease loss provision to assets | 0.0545% | 1,964 |
| Net operating income to assets | 1.4126% | 1,237 |
| Return on assets (ROA) | 1.4126% | 1,299 |
| Pretax return on assets | 1.4126% | 2,007 |
| Return on Equity (ROE) | 13.9027% | 1,215 |
| Retained earnings to average equity (ytd only) | 2.2294% | 3,912 |
| Net charge-offs to loans | 0.0385% | 1,485 |
| Credit loss provision to net charge-offs | 375.0000% | 945 |
| Earnings coverage of net charge-offs (x) | 100.8750% | 880 |
| Efficiency ratio | 59.2301% | 3,266 |
| Assets per employee ($millions) | 6.5577% | 2,285 |
| Cash dividends to net income (ytd only)* | 83.9640% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 682 |
| Loan loss allowance to noncurrent loans | 193.8028% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 1,843 |
| Noncurrent loans to loans | 0.9981% | 990 |
| Net loans and leases to total assets | 33.9487% | 4,380 |
| Net loans and leases to deposits | 37.2725% | 4,434 |
| Net loans and leases to core deposits | 38.6618% | 4,434 |
| Total domestic deposits to total assets | 91.0824% | 466 |
| Equity capital to assets | 8.5341% | 4,029 |
| Core capital (leverage) ratio | 9.4875% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3338% | 616 |
| Memoranda: | ||
| Average total assets | $275,032,800 | 2,571 |
| Average earning assets | $259,713,200 | 2,554 |
| Average equity | $27,944,200 | 2,655 |
| Average total loans | $103,834,800 | 3,151 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0304% | 3,946 |
| Cost of funding earning assets | 0.1166% | 4,371 |
| Net interest margin | 2.9138% | 3,523 |
| Noninterest income to average assets | 1.0157% | 1,047 |
| Noninterest expense to average assets | 2.1649% | 3,188 |
| Loan and lease loss provision to assets | 0.0750% | 1,551 |
| Net operating income to assets | 1.5236% | 1,217 |
| Return on assets (ROA) | 1.5236% | 1,261 |
| Pretax return on assets | 1.5236% | 1,929 |
| Return on Equity (ROE) | 14.3325% | 1,307 |
| Retained earnings to average equity (ytd only) | 3.0424% | 3,894 |
| Net charge-offs to loans | 0.0517% | 1,147 |
| Credit loss provision to net charge-offs | 375.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 79.9500% | 986 |
| Efficiency ratio | 57.5242% | 3,347 |
| Assets per employee ($millions) | 6.0654% | 2,629 |
| Cash dividends to net income (ytd only)* | 78.7730% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 736 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,714 |
| Noncurrent loans to loans | 0.1603% | 3,320 |
| Net loans and leases to total assets | 36.9056% | 4,343 |
| Net loans and leases to deposits | 41.1760% | 4,409 |
| Net loans and leases to core deposits | 42.8261% | 4,423 |
| Total domestic deposits to total assets | 89.6290% | 949 |
| Equity capital to assets | 9.9196% | 2,979 |
| Core capital (leverage) ratio | 10.2875% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2634% | 588 |
| Memoranda: | ||
| Average total assets | $266,738,000 | 2,647 |
| Average earning assets | $251,533,250 | 2,631 |
| Average equity | $28,354,500 | 2,654 |
| Average total loans | $103,119,000 | 3,203 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9643% | 4,107 |
| Cost of funding earning assets | 0.1257% | 4,385 |
| Net interest margin | 2.8386% | 3,703 |
| Noninterest income to average assets | 1.1933% | 808 |
| Noninterest expense to average assets | 2.1824% | 3,145 |
| Loan and lease loss provision to assets | 0.1151% | 1,097 |
| Net operating income to assets | 1.5647% | 1,134 |
| Return on assets (ROA) | 1.5647% | 1,194 |
| Pretax return on assets | 1.5647% | 1,836 |
| Return on Equity (ROE) | 14.3693% | 1,315 |
| Retained earnings to average equity (ytd only) | 1.9873% | 4,115 |
| Net charge-offs to loans | 0.0079% | 1,849 |
| Credit loss provision to net charge-offs | 3,750.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 547.2500% | 244 |
| Efficiency ratio | 56.5071% | 3,476 |
| Assets per employee ($millions) | 5.7603% | 2,837 |
| Cash dividends to net income (ytd only)* | 86.1697% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 638 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 2,228 |
| Noncurrent loans to loans | 0.8701% | 1,410 |
| Net loans and leases to total assets | 38.4501% | 4,367 |
| Net loans and leases to deposits | 43.0455% | 4,421 |
| Net loans and leases to core deposits | 44.8221% | 4,437 |
| Total domestic deposits to total assets | 89.3242% | 1,126 |
| Equity capital to assets | 10.2363% | 2,629 |
| Core capital (leverage) ratio | 10.6012% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4368% | 515 |
| Memoranda: | ||
| Average total assets | $260,626,333 | 2,680 |
| Average earning assets | $245,046,667 | 2,660 |
| Average equity | $28,380,000 | 2,647 |
| Average total loans | $101,734,667 | 3,231 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0693% | 3,946 |
| Cost of funding earning assets | 0.1220% | 4,513 |
| Net interest margin | 2.9474% | 3,388 |
| Noninterest income to average assets | 1.6981% | 493 |
| Noninterest expense to average assets | 2.2131% | 3,067 |
| Loan and lease loss provision to assets | 0.2348% | 471 |
| Net operating income to assets | 2.0112% | 561 |
| Return on assets (ROA) | 2.0112% | 604 |
| Pretax return on assets | 2.0112% | 928 |
| Return on Equity (ROE) | 17.9010% | 742 |
| Retained earnings to average equity (ytd only) | 8.4420% | 2,110 |
| Net charge-offs to loans | 0.1005% | 684 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 57.4000% | 843 |
| Efficiency ratio | 49.6314% | 4,216 |
| Assets per employee ($millions) | 5.4589% | 3,154 |
| Cash dividends to net income (ytd only)* | 52.8405% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0536% | 538 |
| Loan loss allowance to noncurrent loans | 61.0214% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 546 |
| Noncurrent loans to loans | 3.3654% | 211 |
| Net loans and leases to total assets | 37.8420% | 4,428 |
| Net loans and leases to deposits | 42.6995% | 4,468 |
| Net loans and leases to core deposits | 44.6556% | 4,480 |
| Total domestic deposits to total assets | 88.6240% | 1,543 |
| Equity capital to assets | 10.9474% | 1,901 |
| Core capital (leverage) ratio | 11.1576% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0609% | 399 |
| Memoranda: | ||
| Average total assets | $255,573,000 | 2,701 |
| Average earning assets | $239,399,500 | 2,680 |
| Average equity | $28,713,500 | 2,633 |
| Average total loans | $99,503,500 | 3,267 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 3,816 |
| Cost of funding earning assets | 0.1784% | 4,653 |
| Net interest margin | 3.4209% | 2,706 |
| Noninterest income to average assets | 0.6812% | 1,922 |
| Noninterest expense to average assets | 2.2499% | 3,544 |
| Loan and lease loss provision to assets | 0.1090% | 2,983 |
| Net operating income to assets | 1.5293% | 747 |
| Return on assets (ROA) | 1.5310% | 806 |
| Pretax return on assets | 1.5310% | 1,240 |
| Return on Equity (ROE) | 12.4967% | 1,176 |
| Retained earnings to average equity (ytd only) | 1.1100% | 4,185 |
| Net charge-offs to loans | 0.1107% | 1,366 |
| Credit loss provision to net charge-offs | 219.8276% | 2,069 |
| Earnings coverage of net charge-offs (x) | 33.0259% | 1,532 |
| Efficiency ratio | 57.8641% | 3,742 |
| Assets per employee ($millions) | 5.0841% | 3,302 |
| Cash dividends to net income (ytd only)* | 91.1173% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 589 |
| Loan loss allowance to noncurrent loans | 671.4777% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 3,490 |
| Noncurrent loans to loans | 0.2976% | 3,130 |
| Net loans and leases to total assets | 38.4626% | 4,501 |
| Net loans and leases to deposits | 43.7078% | 4,539 |
| Net loans and leases to core deposits | 45.7623% | 4,549 |
| Total domestic deposits to total assets | 87.9994% | 1,472 |
| Equity capital to assets | 11.5374% | 1,854 |
| Core capital (leverage) ratio | 11.4800% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7212% | 400 |
| Memoranda: | ||
| Average total assets | $233,837,800 | 2,693 |
| Average earning assets | $219,208,800 | 2,677 |
| Average equity | $28,647,600 | 2,557 |
| Average total loans | $104,813,000 | 3,168 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 3,841 |
| Cost of funding earning assets | 0.1899% | 4,703 |
| Net interest margin | 3.4898% | 2,618 |
| Noninterest income to average assets | 0.6608% | 1,941 |
| Noninterest expense to average assets | 2.2879% | 3,452 |
| Loan and lease loss provision to assets | 0.0609% | 3,580 |
| Net operating income to assets | 1.5935% | 738 |
| Return on assets (ROA) | 1.5958% | 806 |
| Pretax return on assets | 1.5958% | 1,194 |
| Return on Equity (ROE) | 12.8234% | 1,164 |
| Retained earnings to average equity (ytd only) | 0.7919% | 4,313 |
| Net charge-offs to loans | 0.0613% | 1,723 |
| Credit loss provision to net charge-offs | 214.2857% | 2,055 |
| Earnings coverage of net charge-offs (x) | 58.2449% | 1,113 |
| Efficiency ratio | 58.0356% | 3,658 |
| Assets per employee ($millions) | 4.8574% | 3,423 |
| Cash dividends to net income (ytd only)* | 93.8249% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7424% | 820 |
| Loan loss allowance to noncurrent loans | 599.6795% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,769 |
| Noncurrent loans to loans | 0.2906% | 3,233 |
| Net loans and leases to total assets | 44.3291% | 4,405 |
| Net loans and leases to deposits | 50.7565% | 4,462 |
| Net loans and leases to core deposits | 52.7384% | 4,497 |
| Total domestic deposits to total assets | 87.3368% | 1,527 |
| Equity capital to assets | 12.1262% | 1,614 |
| Core capital (leverage) ratio | 11.7422% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9876% | 454 |
| Memoranda: | ||
| Average total assets | $230,017,250 | 2,703 |
| Average earning assets | $216,282,000 | 2,689 |
| Average equity | $28,624,000 | 2,550 |
| Average total loans | $106,573,250 | 3,145 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,611 |
| Cost of funding earning assets | 0.2129% | 4,729 |
| Net interest margin | 3.6878% | 2,213 |
| Noninterest income to average assets | 0.6343% | 1,998 |
| Noninterest expense to average assets | 2.3329% | 3,442 |
| Loan and lease loss provision to assets | 0.0528% | 3,645 |
| Net operating income to assets | 1.7075% | 613 |
| Return on assets (ROA) | 1.7075% | 669 |
| Pretax return on assets | 1.7075% | 984 |
| Return on Equity (ROE) | 13.5997% | 954 |
| Retained earnings to average equity (ytd only) | 0.5535% | 4,201 |
| Net charge-offs to loans | 0.0771% | 1,475 |
| Credit loss provision to net charge-offs | 146.3415% | 2,149 |
| Earnings coverage of net charge-offs (x) | 48.8049% | 1,116 |
| Efficiency ratio | 56.9955% | 3,820 |
| Assets per employee ($millions) | 4.9425% | 3,248 |
| Cash dividends to net income (ytd only)* | 95.9299% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 764 |
| Loan loss allowance to noncurrent loans | 841.2844% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,941 |
| Noncurrent loans to loans | 0.2060% | 3,646 |
| Net loans and leases to total assets | 43.8347% | 4,457 |
| Net loans and leases to deposits | 50.1836% | 4,526 |
| Net loans and leases to core deposits | 52.1519% | 4,559 |
| Total domestic deposits to total assets | 87.3486% | 1,473 |
| Equity capital to assets | 12.1401% | 1,574 |
| Core capital (leverage) ratio | 11.9500% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7013% | 415 |
| Memoranda: | ||
| Average total assets | $227,352,000 | 2,702 |
| Average earning assets | $213,241,000 | 2,683 |
| Average equity | $28,544,667 | 2,545 |
| Average total loans | $106,304,333 | 3,146 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2553% | 3,051 |
| Cost of funding earning assets | 0.2499% | 4,772 |
| Net interest margin | 4.0055% | 1,379 |
| Noninterest income to average assets | 0.7392% | 1,502 |
| Noninterest expense to average assets | 2.4639% | 3,383 |
| Loan and lease loss provision to assets | 0.0270% | 3,452 |
| Net operating income to assets | 1.9963% | 268 |
| Return on assets (ROA) | 1.9963% | 296 |
| Pretax return on assets | 1.9963% | 449 |
| Return on Equity (ROE) | 15.6247% | 471 |
| Retained earnings to average equity (ytd only) | 2.5197% | 3,259 |
| Net charge-offs to loans | -0.0113% | 4,115 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9098% | 4,318 |
| Assets per employee ($millions) | 4.5467% | 3,201 |
| Cash dividends to net income (ytd only)* | 83.8739% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 855 |
| Loan loss allowance to noncurrent loans | 619.2568% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 3,015 |
| Noncurrent loans to loans | 0.2769% | 3,500 |
| Net loans and leases to total assets | 48.1475% | 4,329 |
| Net loans and leases to deposits | 55.8516% | 4,373 |
| Net loans and leases to core deposits | 58.0539% | 4,431 |
| Total domestic deposits to total assets | 86.2060% | 1,916 |
| Equity capital to assets | 13.2758% | 1,312 |
| Core capital (leverage) ratio | 12.6543% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7071% | 460 |
| Memoranda: | ||
| Average total assets | $222,408,500 | 2,698 |
| Average earning assets | $208,115,500 | 2,680 |
| Average equity | $28,416,500 | 2,544 |
| Average total loans | $106,543,000 | 3,131 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3639% | 3,350 |
| Cost of funding earning assets | 0.2625% | 4,817 |
| Net interest margin | 4.1013% | 1,538 |
| Noninterest income to average assets | 1.7204% | 333 |
| Noninterest expense to average assets | 2.4543% | 3,566 |
| Loan and lease loss provision to assets | 0.0699% | 2,603 |
| Net operating income to assets | 2.9743% | 81 |
| Return on assets (ROA) | 2.9743% | 83 |
| Pretax return on assets | 2.9743% | 102 |
| Return on Equity (ROE) | 23.6014% | 105 |
| Retained earnings to average equity (ytd only) | 9.8059% | 532 |
| Net charge-offs to loans | -0.0065% | 4,377 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6356% | 4,955 |
| Assets per employee ($millions) | 4.9256% | 2,678 |
| Cash dividends to net income (ytd only)* | 58.4521% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 780 |
| Loan loss allowance to noncurrent loans | 782.3276% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 3,164 |
| Noncurrent loans to loans | 0.2185% | 3,670 |
| Net loans and leases to total assets | 46.0598% | 4,518 |
| Net loans and leases to deposits | 52.8394% | 4,572 |
| Net loans and leases to core deposits | 56.0024% | 4,582 |
| Total domestic deposits to total assets | 87.1695% | 1,533 |
| Equity capital to assets | 12.2960% | 1,955 |
| Core capital (leverage) ratio | 12.2372% | 1,636 |
| Tier 1 risk-based capital ratio | 22.9728% | 915 |
| Total risk-based capital ratio | 24.2255% | 895 |
| Memoranda: | ||
| Average total assets | $214,605,600 | 2,712 |
| Average earning assets | $197,692,200 | 2,727 |
| Average equity | $27,045,000 | 2,562 |
| Average total loans | $107,966,000 | 3,116 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 3,355 |
| Cost of funding earning assets | 0.2601% | 4,899 |
| Net interest margin | 4.1400% | 1,525 |
| Noninterest income to average assets | 2.0622% | 251 |
| Noninterest expense to average assets | 2.4573% | 3,548 |
| Loan and lease loss provision to assets | 0.0945% | 2,023 |
| Net operating income to assets | 3.3217% | 67 |
| Return on assets (ROA) | 3.3217% | 70 |
| Pretax return on assets | 3.3217% | 92 |
| Return on Equity (ROE) | 26.1879% | 70 |
| Retained earnings to average equity (ytd only) | 12.4531% | 330 |
| Net charge-offs to loans | 0.1882% | 913 |
| Credit loss provision to net charge-offs | 98.0392% | 2,303 |
| Earnings coverage of net charge-offs (x) | 35.4387% | 1,469 |
| Efficiency ratio | 41.8365% | 5,084 |
| Assets per employee ($millions) | 4.4890% | 3,227 |
| Cash dividends to net income (ytd only)* | 52.4468% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 1,079 |
| Loan loss allowance to noncurrent loans | 274.4610% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.7130% | 593 |
| Noncurrent loans to loans | 0.5697% | 2,589 |
| Net loans and leases to total assets | 48.3576% | 4,498 |
| Net loans and leases to deposits | 55.9149% | 4,557 |
| Net loans and leases to core deposits | 58.1456% | 4,599 |
| Total domestic deposits to total assets | 86.4842% | 1,778 |
| Equity capital to assets | 12.9236% | 1,672 |
| Core capital (leverage) ratio | 12.7670% | 1,449 |
| Tier 1 risk-based capital ratio | 22.6399% | 993 |
| Total risk-based capital ratio | 23.8909% | 964 |
| Memoranda: | ||
| Average total assets | $211,612,750 | 2,754 |
| Average earning assets | $194,809,500 | 2,769 |
| Average equity | $26,841,250 | 2,585 |
| Average total loans | $108,413,500 | 3,146 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3697% | 3,418 |
| Cost of funding earning assets | 0.2533% | 4,951 |
| Net interest margin | 4.1164% | 1,566 |
| Noninterest income to average assets | 2.7405% | 176 |
| Noninterest expense to average assets | 2.4933% | 3,502 |
| Loan and lease loss provision to assets | 0.1426% | 1,302 |
| Net operating income to assets | 3.9063% | 54 |
| Return on assets (ROA) | 3.9063% | 58 |
| Pretax return on assets | 3.9063% | 68 |
| Return on Equity (ROE) | 30.9968% | 37 |
| Retained earnings to average equity (ytd only) | 16.1020% | 129 |
| Net charge-offs to loans | 0.2068% | 800 |
| Credit loss provision to net charge-offs | 132.7434% | 1,638 |
| Earnings coverage of net charge-offs (x) | 37.6814% | 1,286 |
| Efficiency ratio | 38.1105% | 5,186 |
| Assets per employee ($millions) | 4.5444% | 3,071 |
| Cash dividends to net income (ytd only)* | 48.0526% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 1,070 |
| Loan loss allowance to noncurrent loans | 176.3788% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 1.8166% | 553 |
| Noncurrent loans to loans | 0.8962% | 1,822 |
| Net loans and leases to total assets | 49.4108% | 4,499 |
| Net loans and leases to deposits | 57.0688% | 4,555 |
| Net loans and leases to core deposits | 59.3615% | 4,596 |
| Total domestic deposits to total assets | 86.5810% | 1,780 |
| Equity capital to assets | 12.8708% | 1,651 |
| Core capital (leverage) ratio | 12.8998% | 1,356 |
| Tier 1 risk-based capital ratio | 22.5231% | 992 |
| Total risk-based capital ratio | 23.7747% | 974 |
| Memoranda: | ||
| Average total assets | $210,325,670 | 2,783 |
| Average earning assets | $194,248,670 | 2,788 |
| Average equity | $26,506,000 | 2,598 |
| Average total loans | $109,267,000 | 3,147 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 3,225 |
| Cost of funding earning assets | 0.2578% | 4,962 |
| Net interest margin | 4.1434% | 1,443 |
| Noninterest income to average assets | 4.8262% | 97 |
| Noninterest expense to average assets | 2.4073% | 3,756 |
| Loan and lease loss provision to assets | 0.1437% | 1,189 |
| Net operating income to assets | 6.0950% | 34 |
| Return on assets (ROA) | 6.0950% | 37 |
| Pretax return on assets | 6.0950% | 42 |
| Return on Equity (ROE) | 48.8967% | 16 |
| Retained earnings to average equity (ytd only) | 37.8104% | 14 |
| Net charge-offs to loans | -0.0036% | 3,949 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8431% | 5,326 |
| Assets per employee ($millions) | 4.5056% | 3,185 |
| Cash dividends to net income (ytd only)* | 22.6730% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 1,051 |
| Loan loss allowance to noncurrent loans | 565.1466% | 948 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 773 |
| Noncurrent loans to loans | 0.2841% | 3,544 |
| Net loans and leases to total assets | 50.2123% | 4,452 |
| Net loans and leases to deposits | 58.0036% | 4,504 |
| Net loans and leases to core deposits | 60.1260% | 4,560 |
| Total domestic deposits to total assets | 86.5675% | 2,031 |
| Equity capital to assets | 12.9059% | 1,509 |
| Core capital (leverage) ratio | 13.3474% | 1,133 |
| Tier 1 risk-based capital ratio | 22.8960% | 947 |
| Total risk-based capital ratio | 24.1483% | 927 |
| Memoranda: | ||
| Average total assets | $208,696,000 | 2,824 |
| Average earning assets | $192,404,000 | 2,827 |
| Average equity | $26,014,000 | 2,642 |
| Average total loans | $110,286,000 | 3,161 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 3,677 |
| Cost of funding earning assets | 0.1931% | 5,030 |
| Net interest margin | 3.9274% | 2,238 |
| Noninterest income to average assets | 0.7231% | 1,759 |
| Noninterest expense to average assets | 3.5239% | 969 |
| Loan and lease loss provision to assets | 0.0725% | 2,684 |
| Net operating income to assets | 0.7728% | 3,904 |
| Return on assets (ROA) | 0.7728% | 3,907 |
| Pretax return on assets | 0.7728% | 4,239 |
| Return on Equity (ROE) | 6.2948% | 4,070 |
| Retained earnings to average equity (ytd only) | -4.7280% | 5,237 |
| Net charge-offs to loans | 0.1662% | 1,160 |
| Credit loss provision to net charge-offs | 79.3651% | 2,874 |
| Earnings coverage of net charge-offs (x) | 9.2540% | 2,825 |
| Efficiency ratio | 80.6527% | 902 |
| Assets per employee ($millions) | 4.3751% | 3,336 |
| Cash dividends to net income (ytd only)* | 175.1094% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,373 |
| Loan loss allowance to noncurrent loans | 381.1494% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.8305% | 558 |
| Noncurrent loans to loans | 0.3866% | 3,149 |
| Net loans and leases to total assets | 53.9068% | 4,284 |
| Net loans and leases to deposits | 61.6542% | 4,395 |
| Net loans and leases to core deposits | 63.9557% | 4,450 |
| Total domestic deposits to total assets | 87.4342% | 1,571 |
| Equity capital to assets | 12.0110% | 1,886 |
| Core capital (leverage) ratio | 12.2736% | 1,571 |
| Tier 1 risk-based capital ratio | 19.9786% | 1,312 |
| Total risk-based capital ratio | 21.2288% | 1,286 |
| Memoranda: | ||
| Average total assets | $206,899,800 | 2,797 |
| Average earning assets | $192,086,400 | 2,801 |
| Average equity | $25,402,000 | 2,616 |
| Average total loans | $113,717,400 | 3,087 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0822% | 3,692 |
| Cost of funding earning assets | 0.1797% | 5,095 |
| Net interest margin | 3.9025% | 2,290 |
| Noninterest income to average assets | 0.7226% | 1,784 |
| Noninterest expense to average assets | 3.7962% | 675 |
| Loan and lease loss provision to assets | 0.0965% | 2,050 |
| Net operating income to assets | 0.4633% | 4,833 |
| Return on assets (ROA) | 0.4633% | 4,840 |
| Pretax return on assets | 0.4633% | 4,955 |
| Return on Equity (ROE) | 3.7531% | 4,874 |
| Retained earnings to average equity (ytd only) | -8.6165% | 5,373 |
| Net charge-offs to loans | -0.0175% | 4,588 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1492% | 449 |
| Assets per employee ($millions) | 4.5897% | 2,991 |
| Cash dividends to net income (ytd only)* | 329.5819% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,046 |
| Loan loss allowance to noncurrent loans | 49.5872% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 607 |
| Noncurrent loans to loans | 3.2547% | 317 |
| Net loans and leases to total assets | 56.2089% | 4,200 |
| Net loans and leases to deposits | 64.2688% | 4,316 |
| Net loans and leases to core deposits | 66.9077% | 4,360 |
| Total domestic deposits to total assets | 87.4590% | 1,508 |
| Equity capital to assets | 11.8904% | 1,979 |
| Core capital (leverage) ratio | 11.9339% | 1,825 |
| Tier 1 risk-based capital ratio | 19.5839% | 1,419 |
| Total risk-based capital ratio | 20.8365% | 1,383 |
| Memoranda: | ||
| Average total assets | $207,217,500 | 2,817 |
| Average earning assets | $192,932,250 | 2,809 |
| Average equity | $25,578,000 | 2,610 |
| Average total loans | $114,020,250 | 3,097 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,776 |
| Cost of funding earning assets | 0.1729% | 5,138 |
| Net interest margin | 3.8306% | 2,452 |
| Noninterest income to average assets | 0.7111% | 1,828 |
| Noninterest expense to average assets | 2.3285% | 4,082 |
| Loan and lease loss provision to assets | 0.1436% | 1,342 |
| Net operating income to assets | 1.8021% | 577 |
| Return on assets (ROA) | 1.8021% | 579 |
| Pretax return on assets | 1.8021% | 955 |
| Return on Equity (ROE) | 14.4291% | 977 |
| Retained earnings to average equity (ytd only) | 2.5747% | 4,231 |
| Net charge-offs to loans | -0.0264% | 4,691 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4783% | 4,636 |
| Assets per employee ($millions) | 4.7456% | 2,756 |
| Cash dividends to net income (ytd only)* | 82.1561% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 1,055 |
| Loan loss allowance to noncurrent loans | 398.7152% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 3,884 |
| Noncurrent loans to loans | 0.4068% | 3,240 |
| Net loans and leases to total assets | 54.0899% | 4,331 |
| Net loans and leases to deposits | 62.2168% | 4,410 |
| Net loans and leases to core deposits | 64.7886% | 4,441 |
| Total domestic deposits to total assets | 86.9378% | 1,864 |
| Equity capital to assets | 12.4890% | 1,540 |
| Core capital (leverage) ratio | 12.8393% | 1,303 |
| Tier 1 risk-based capital ratio | 21.3704% | 1,116 |
| Total risk-based capital ratio | 22.6231% | 1,098 |
| Memoranda: | ||
| Average total assets | $208,975,000 | 2,818 |
| Average earning assets | $194,384,330 | 2,808 |
| Average equity | $26,100,000 | 2,581 |
| Average total loans | $113,569,330 | 3,116 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 3,839 |
| Cost of funding earning assets | 0.1729% | 5,148 |
| Net interest margin | 3.7598% | 2,578 |
| Noninterest income to average assets | 0.7290% | 1,705 |
| Noninterest expense to average assets | 2.3362% | 4,094 |
| Loan and lease loss provision to assets | 0.1435% | 1,311 |
| Net operating income to assets | 1.7450% | 621 |
| Return on assets (ROA) | 1.7450% | 632 |
| Pretax return on assets | 1.7450% | 1,014 |
| Return on Equity (ROE) | 13.9711% | 1,020 |
| Retained earnings to average equity (ytd only) | 1.8536% | 4,397 |
| Net charge-offs to loans | -0.0744% | 5,128 |
| Credit loss provision to net charge-offs | -357.1429% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2989% | 4,666 |
| Assets per employee ($millions) | 4.6259% | 2,972 |
| Cash dividends to net income (ytd only)* | 86.7325% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,112 |
| Loan loss allowance to noncurrent loans | 352.2593% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 3,892 |
| Noncurrent loans to loans | 0.4601% | 3,154 |
| Net loans and leases to total assets | 52.2797% | 4,420 |
| Net loans and leases to deposits | 60.1496% | 4,461 |
| Net loans and leases to core deposits | 62.6853% | 4,504 |
| Total domestic deposits to total assets | 86.9161% | 2,161 |
| Equity capital to assets | 12.5319% | 1,464 |
| Core capital (leverage) ratio | 12.6815% | 1,300 |
| Tier 1 risk-based capital ratio | 21.8245% | 1,079 |
| Total risk-based capital ratio | 23.0770% | 1,056 |
| Memoranda: | ||
| Average total assets | $209,058,500 | 2,855 |
| Average earning assets | $194,369,500 | 2,834 |
| Average equity | $26,111,000 | 2,603 |
| Average total loans | $112,951,000 | 3,146 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 2,868 |
| Cost of funding earning assets | 0.1527% | 5,247 |
| Net interest margin | 4.0005% | 1,754 |
| Noninterest income to average assets | 0.6177% | 2,363 |
| Noninterest expense to average assets | 2.3066% | 4,313 |
| Loan and lease loss provision to assets | 0.3274% | 511 |
| Net operating income to assets | 1.6913% | 534 |
| Return on assets (ROA) | 1.6923% | 548 |
| Pretax return on assets | 1.6923% | 1,024 |
| Return on Equity (ROE) | 13.5939% | 831 |
| Retained earnings to average equity (ytd only) | 3.0630% | 3,468 |
| Net charge-offs to loans | 0.5223% | 447 |
| Credit loss provision to net charge-offs | 110.2107% | 2,365 |
| Earnings coverage of net charge-offs (x) | 6.7958% | 3,136 |
| Efficiency ratio | 53.3281% | 5,008 |
| Assets per employee ($millions) | 4.7716% | 2,768 |
| Cash dividends to net income (ytd only)* | 77.4680% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 1,502 |
| Loan loss allowance to noncurrent loans | 259.0840% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 3,640 |
| Noncurrent loans to loans | 0.5682% | 2,797 |
| Net loans and leases to total assets | 54.1000% | 4,354 |
| Net loans and leases to deposits | 62.1823% | 4,432 |
| Net loans and leases to core deposits | 64.6414% | 4,492 |
| Total domestic deposits to total assets | 87.0023% | 1,997 |
| Equity capital to assets | 12.4481% | 1,548 |
| Core capital (leverage) ratio | 12.6001% | 1,308 |
| Tier 1 risk-based capital ratio | 20.5863% | 1,212 |
| Total risk-based capital ratio | 21.8368% | 1,188 |
| Memoranda: | ||
| Average total assets | $207,710,000 | 2,846 |
| Average earning assets | $192,502,600 | 2,839 |
| Average equity | $25,857,200 | 2,617 |
| Average total loans | $118,125,600 | 3,085 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 2,621 |
| Cost of funding earning assets | 0.1479% | 5,325 |
| Net interest margin | 4.0514% | 1,533 |
| Noninterest income to average assets | 0.5471% | 2,742 |
| Noninterest expense to average assets | 2.3094% | 4,279 |
| Loan and lease loss provision to assets | 0.3411% | 440 |
| Net operating income to assets | 1.6522% | 637 |
| Return on assets (ROA) | 1.6535% | 655 |
| Pretax return on assets | 1.6535% | 1,233 |
| Return on Equity (ROE) | 13.2825% | 990 |
| Retained earnings to average equity (ytd only) | 3.2573% | 3,985 |
| Net charge-offs to loans | 0.6833% | 281 |
| Credit loss provision to net charge-offs | 87.0279% | 2,497 |
| Earnings coverage of net charge-offs (x) | 5.0854% | 3,152 |
| Efficiency ratio | 53.6724% | 4,955 |
| Assets per employee ($millions) | 4.7806% | 2,723 |
| Cash dividends to net income (ytd only)* | 75.4768% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,390 |
| Loan loss allowance to noncurrent loans | 103.5286% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 2,296 |
| Noncurrent loans to loans | 1.2488% | 1,529 |
| Net loans and leases to total assets | 57.7544% | 4,088 |
| Net loans and leases to deposits | 66.6670% | 4,204 |
| Net loans and leases to core deposits | 69.3692% | 4,280 |
| Total domestic deposits to total assets | 86.6311% | 2,029 |
| Equity capital to assets | 12.7404% | 1,519 |
| Core capital (leverage) ratio | 12.7131% | 1,328 |
| Tier 1 risk-based capital ratio | 20.0567% | 1,348 |
| Total risk-based capital ratio | 21.2510% | 1,325 |
| Memoranda: | ||
| Average total assets | $207,149,500 | 2,873 |
| Average earning assets | $192,029,500 | 2,873 |
| Average equity | $25,787,750 | 2,641 |
| Average total loans | $118,836,750 | 3,099 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 2,260 |
| Cost of funding earning assets | 0.1457% | 5,363 |
| Net interest margin | 4.1105% | 1,301 |
| Noninterest income to average assets | 0.4391% | 3,426 |
| Noninterest expense to average assets | 2.3190% | 4,295 |
| Loan and lease loss provision to assets | 0.3660% | 385 |
| Net operating income to assets | 1.5592% | 770 |
| Return on assets (ROA) | 1.5611% | 788 |
| Pretax return on assets | 1.5611% | 1,456 |
| Return on Equity (ROE) | 12.6376% | 1,130 |
| Retained earnings to average equity (ytd only) | 2.8144% | 4,029 |
| Net charge-offs to loans | 0.8128% | 244 |
| Credit loss provision to net charge-offs | 79.0021% | 2,274 |
| Earnings coverage of net charge-offs (x) | 4.1559% | 2,974 |
| Efficiency ratio | 54.6403% | 4,956 |
| Assets per employee ($millions) | 4.7523% | 2,716 |
| Cash dividends to net income (ytd only)* | 77.7298% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,438 |
| Loan loss allowance to noncurrent loans | 417.7112% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 4,351 |
| Noncurrent loans to loans | 0.3099% | 3,933 |
| Net loans and leases to total assets | 55.9035% | 4,235 |
| Net loans and leases to deposits | 64.2480% | 4,358 |
| Net loans and leases to core deposits | 66.7897% | 4,425 |
| Total domestic deposits to total assets | 87.0121% | 1,946 |
| Equity capital to assets | 12.4006% | 1,670 |
| Core capital (leverage) ratio | 12.4956% | 1,372 |
| Tier 1 risk-based capital ratio | 20.0215% | 1,368 |
| Total risk-based capital ratio | 21.2091% | 1,338 |
| Memoranda: | ||
| Average total assets | $207,677,000 | 2,878 |
| Average earning assets | $192,238,670 | 2,881 |
| Average equity | $25,653,670 | 2,657 |
| Average total loans | $118,356,000 | 3,118 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 1,682 |
| Cost of funding earning assets | 0.1464% | 5,402 |
| Net interest margin | 4.2420% | 901 |
| Noninterest income to average assets | 0.2203% | 4,957 |
| Noninterest expense to average assets | 2.2961% | 4,416 |
| Loan and lease loss provision to assets | 0.2513% | 594 |
| Net operating income to assets | 1.5925% | 686 |
| Return on assets (ROA) | 1.5925% | 702 |
| Pretax return on assets | 1.5925% | 1,258 |
| Return on Equity (ROE) | 12.9176% | 1,015 |
| Retained earnings to average equity (ytd only) | 3.9192% | 3,487 |
| Net charge-offs to loans | 0.0135% | 2,530 |
| Credit loss provision to net charge-offs | 3,250.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 238.5000% | 243 |
| Efficiency ratio | 55.4622% | 4,997 |
| Assets per employee ($millions) | 4.6215% | 2,971 |
| Cash dividends to net income (ytd only)* | 69.6602% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4928% | 1,721 |
| Loan loss allowance to noncurrent loans | 186.0465% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 2,552 |
| Noncurrent loans to loans | 0.8024% | 2,449 |
| Net loans and leases to total assets | 55.8466% | 4,193 |
| Net loans and leases to deposits | 64.1320% | 4,300 |
| Net loans and leases to core deposits | 66.8899% | 4,369 |
| Total domestic deposits to total assets | 87.0807% | 2,173 |
| Equity capital to assets | 12.3654% | 1,626 |
| Core capital (leverage) ratio | 12.4546% | 1,359 |
| Tier 1 risk-based capital ratio | 19.7748% | 1,431 |
| Total risk-based capital ratio | 21.0259% | 1,400 |
| Memoranda: | ||
| Average total assets | $206,964,000 | 2,917 |
| Average earning assets | $191,230,000 | 2,916 |
| Average equity | $25,515,500 | 2,679 |
| Average total loans | $118,319,500 | 3,137 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 3,565 |
| Cost of funding earning assets | 0.1404% | 5,482 |
| Net interest margin | 3.7614% | 2,466 |
| Noninterest income to average assets | 0.7458% | 1,968 |
| Noninterest expense to average assets | 2.2942% | 4,574 |
| Loan and lease loss provision to assets | 0.4846% | 290 |
| Net operating income to assets | 1.4471% | 922 |
| Return on assets (ROA) | 1.4480% | 946 |
| Pretax return on assets | 1.4480% | 1,758 |
| Return on Equity (ROE) | 11.8299% | 1,298 |
| Retained earnings to average equity (ytd only) | 5.1231% | 2,265 |
| Net charge-offs to loans | 0.5131% | 480 |
| Credit loss provision to net charge-offs | 167.5042% | 1,652 |
| Earnings coverage of net charge-offs (x) | 6.6767% | 3,138 |
| Efficiency ratio | 54.2890% | 5,221 |
| Assets per employee ($millions) | 4.7898% | 2,666 |
| Cash dividends to net income (ytd only)* | 56.6934% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,187 |
| Loan loss allowance to noncurrent loans | 166.7347% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1798% | 1,540 |
| Noncurrent loans to loans | 0.8254% | 2,461 |
| Net loans and leases to total assets | 56.8567% | 4,183 |
| Net loans and leases to deposits | 65.2455% | 4,312 |
| Net loans and leases to core deposits | 67.9581% | 4,401 |
| Total domestic deposits to total assets | 87.1426% | 2,064 |
| Equity capital to assets | 12.2912% | 1,637 |
| Core capital (leverage) ratio | 12.3450% | 1,408 |
| Tier 1 risk-based capital ratio | 19.4266% | 1,500 |
| Total risk-based capital ratio | 20.6722% | 1,456 |
| Memoranda: | ||
| Average total assets | $206,348,800 | 2,896 |
| Average earning assets | $190,913,400 | 2,886 |
| Average equity | $25,258,000 | 2,695 |
| Average total loans | $116,342,600 | 3,122 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8667% | 3,711 |
| Cost of funding earning assets | 0.1394% | 5,552 |
| Net interest margin | 3.7273% | 2,608 |
| Noninterest income to average assets | 0.7472% | 1,979 |
| Noninterest expense to average assets | 2.3005% | 4,531 |
| Loan and lease loss provision to assets | 0.4198% | 336 |
| Net operating income to assets | 1.4809% | 913 |
| Return on assets (ROA) | 1.4809% | 957 |
| Pretax return on assets | 1.4809% | 1,775 |
| Return on Equity (ROE) | 12.1110% | 1,287 |
| Retained earnings to average equity (ytd only) | 6.3803% | 1,968 |
| Net charge-offs to loans | 0.3479% | 654 |
| Credit loss provision to net charge-offs | 215.2318% | 1,366 |
| Earnings coverage of net charge-offs (x) | 9.7449% | 2,657 |
| Efficiency ratio | 54.7579% | 5,179 |
| Assets per employee ($millions) | 4.6835% | 2,772 |
| Cash dividends to net income (ytd only)* | 47.3179% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 2,464 |
| Loan loss allowance to noncurrent loans | 59.1829% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 889 |
| Noncurrent loans to loans | 2.2719% | 815 |
| Net loans and leases to total assets | 56.2213% | 4,288 |
| Net loans and leases to deposits | 64.7577% | 4,428 |
| Net loans and leases to core deposits | 67.2405% | 4,529 |
| Total domestic deposits to total assets | 86.8179% | 1,981 |
| Equity capital to assets | 12.5251% | 1,762 |
| Core capital (leverage) ratio | 12.3356% | 1,470 |
| Tier 1 risk-based capital ratio | 19.1980% | 1,628 |
| Total risk-based capital ratio | 20.3915% | 1,599 |
| Memoranda: | ||
| Average total assets | $206,446,000 | 2,905 |
| Average earning assets | $191,304,750 | 2,894 |
| Average equity | $25,243,750 | 2,713 |
| Average total loans | $115,744,250 | 3,141 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 3,628 |
| Cost of funding earning assets | 0.1380% | 5,628 |
| Net interest margin | 3.7562% | 2,492 |
| Noninterest income to average assets | 0.7416% | 1,965 |
| Noninterest expense to average assets | 2.3169% | 4,561 |
| Loan and lease loss provision to assets | 0.3873% | 400 |
| Net operating income to assets | 1.5152% | 869 |
| Return on assets (ROA) | 1.5152% | 912 |
| Pretax return on assets | 1.5152% | 1,622 |
| Return on Equity (ROE) | 12.4927% | 1,160 |
| Retained earnings to average equity (ytd only) | 6.6814% | 1,771 |
| Net charge-offs to loans | 0.1042% | 1,789 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 32.7500% | 1,328 |
| Efficiency ratio | 54.9105% | 5,245 |
| Assets per employee ($millions) | 4.5474% | 2,939 |
| Cash dividends to net income (ytd only)* | 46.5176% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 2,240 |
| Loan loss allowance to noncurrent loans | 52.6475% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 823 |
| Noncurrent loans to loans | 2.6803% | 612 |
| Net loans and leases to total assets | 53.6370% | 4,543 |
| Net loans and leases to deposits | 61.6840% | 4,681 |
| Net loans and leases to core deposits | 64.2638% | 4,730 |
| Total domestic deposits to total assets | 86.9546% | 1,941 |
| Equity capital to assets | 12.4292% | 1,818 |
| Core capital (leverage) ratio | 12.0966% | 1,561 |
| Tier 1 risk-based capital ratio | 19.3624% | 1,604 |
| Total risk-based capital ratio | 20.5778% | 1,578 |
| Memoranda: | ||
| Average total assets | $206,569,670 | 2,916 |
| Average earning assets | $191,258,330 | 2,916 |
| Average equity | $25,054,670 | 2,736 |
| Average total loans | $115,180,000 | 3,154 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,655 |
| Cost of funding earning assets | 0.1396% | 5,678 |
| Net interest margin | 3.7417% | 2,517 |
| Noninterest income to average assets | 0.8133% | 1,577 |
| Noninterest expense to average assets | 2.3225% | 4,600 |
| Loan and lease loss provision to assets | 0.2891% | 560 |
| Net operating income to assets | 1.6633% | 620 |
| Return on assets (ROA) | 1.6633% | 657 |
| Pretax return on assets | 1.6633% | 1,146 |
| Return on Equity (ROE) | 13.8830% | 860 |
| Retained earnings to average equity (ytd only) | 13.8830% | 327 |
| Net charge-offs to loans | 0.0034% | 3,006 |
| Credit loss provision to net charge-offs | 15,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,013.0000% | 43 |
| Efficiency ratio | 54.3282% | 5,359 |
| Assets per employee ($millions) | 4.6000% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 3,609 |
| Loan loss allowance to noncurrent loans | 111.0217% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 1,953 |
| Noncurrent loans to loans | 1.0620% | 2,266 |
| Net loans and leases to total assets | 55.8748% | 4,273 |
| Net loans and leases to deposits | 64.1003% | 4,434 |
| Net loans and leases to core deposits | 66.7117% | 4,490 |
| Total domestic deposits to total assets | 87.1678% | 2,121 |
| Equity capital to assets | 12.2699% | 1,849 |
| Core capital (leverage) ratio | 12.2018% | 1,497 |
| Tier 1 risk-based capital ratio | 19.0600% | 1,724 |
| Total risk-based capital ratio | 20.1099% | 1,728 |
| Memoranda: | ||
| Average total assets | $207,539,000 | 2,915 |
| Average earning assets | $191,997,500 | 2,911 |
| Average equity | $24,865,000 | 2,755 |
| Average total loans | $117,105,500 | 3,130 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 3,472 |
| Cost of funding earning assets | 0.1324% | 5,800 |
| Net interest margin | 3.8274% | 2,277 |
| Noninterest income to average assets | 0.7844% | 1,850 |
| Noninterest expense to average assets | 2.2440% | 4,938 |
| Loan and lease loss provision to assets | 0.5413% | 208 |
| Net operating income to assets | 1.5555% | 774 |
| Return on assets (ROA) | 1.5555% | 798 |
| Pretax return on assets | 1.5555% | 1,386 |
| Return on Equity (ROE) | 12.8172% | 1,097 |
| Retained earnings to average equity (ytd only) | 0.6123% | 5,272 |
| Net charge-offs to loans | 1.3442% | 122 |
| Credit loss provision to net charge-offs | 69.3569% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.6866% | 3,848 |
| Efficiency ratio | 51.6948% | 5,653 |
| Assets per employee ($millions) | 4.5234% | 3,003 |
| Cash dividends to net income (ytd only)* | 95.2230% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 4,312 |
| Loan loss allowance to noncurrent loans | 55.0537% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1467% | 1,901 |
| Noncurrent loans to loans | 1.9084% | 1,120 |
| Net loans and leases to total assets | 55.7191% | 4,318 |
| Net loans and leases to deposits | 63.5002% | 4,504 |
| Net loans and leases to core deposits | 65.9593% | 4,597 |
| Total domestic deposits to total assets | 87.7463% | 1,772 |
| Equity capital to assets | 11.6933% | 2,200 |
| Core capital (leverage) ratio | 11.7197% | 1,805 |
| Tier 1 risk-based capital ratio | 18.5871% | 1,812 |
| Total risk-based capital ratio | 19.5330% | 1,847 |
| Memoranda: | ||
| Average total assets | $203,210,000 | 2,914 |
| Average earning assets | $188,823,800 | 2,905 |
| Average equity | $24,662,200 | 2,727 |
| Average total loans | $117,989,400 | 3,082 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9432% | 3,572 |
| Cost of funding earning assets | 0.1318% | 5,904 |
| Net interest margin | 3.8114% | 2,343 |
| Noninterest income to average assets | 0.8079% | 1,777 |
| Noninterest expense to average assets | 2.2390% | 4,943 |
| Loan and lease loss provision to assets | 0.1485% | 1,470 |
| Net operating income to assets | 1.9703% | 381 |
| Return on assets (ROA) | 1.9703% | 394 |
| Pretax return on assets | 1.9703% | 635 |
| Return on Equity (ROE) | 16.0837% | 581 |
| Retained earnings to average equity (ytd only) | 4.2782% | 3,422 |
| Net charge-offs to loans | 0.0034% | 4,064 |
| Credit loss provision to net charge-offs | 7,500.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,069.9725% | 68 |
| Efficiency ratio | 51.3784% | 5,687 |
| Assets per employee ($millions) | 4.6908% | 2,725 |
| Cash dividends to net income (ytd only)* | 73.4003% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 1,667 |
| Loan loss allowance to noncurrent loans | 68.5886% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.4424% | 1,575 |
| Noncurrent loans to loans | 2.3796% | 873 |
| Net loans and leases to total assets | 56.6210% | 4,290 |
| Net loans and leases to deposits | 64.9746% | 4,468 |
| Net loans and leases to core deposits | 67.4151% | 4,590 |
| Total domestic deposits to total assets | 87.1432% | 1,961 |
| Equity capital to assets | 12.1983% | 1,961 |
| Core capital (leverage) ratio | 12.1644% | 1,585 |
| Tier 1 risk-based capital ratio | 19.1672% | 1,730 |
| Total risk-based capital ratio | 20.4199% | 1,699 |
| Memoranda: | ||
| Average total assets | $201,993,500 | 2,948 |
| Average earning assets | $188,134,000 | 2,931 |
| Average equity | $24,745,000 | 2,733 |
| Average total loans | $118,194,500 | 3,104 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,428 |
| Cost of funding earning assets | 0.1330% | 5,965 |
| Net interest margin | 3.8310% | 2,201 |
| Noninterest income to average assets | 0.7819% | 1,857 |
| Noninterest expense to average assets | 2.2491% | 4,978 |
| Loan and lease loss provision to assets | 0.1496% | 1,424 |
| Net operating income to assets | 1.9459% | 402 |
| Return on assets (ROA) | 1.9459% | 418 |
| Pretax return on assets | 1.9459% | 669 |
| Return on Equity (ROE) | 15.8611% | 623 |
| Retained earnings to average equity (ytd only) | 4.4795% | 3,164 |
| Net charge-offs to loans | -0.0017% | 4,576 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7677% | 5,735 |
| Assets per employee ($millions) | 4.6820% | 2,701 |
| Cash dividends to net income (ytd only)* | 71.7581% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 1,993 |
| Loan loss allowance to noncurrent loans | 80.3787% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 2,046 |
| Noncurrent loans to loans | 1.9591% | 1,265 |
| Net loans and leases to total assets | 57.9946% | 4,102 |
| Net loans and leases to deposits | 66.6376% | 4,275 |
| Net loans and leases to core deposits | 69.5591% | 4,361 |
| Total domestic deposits to total assets | 87.0299% | 2,153 |
| Equity capital to assets | 12.3329% | 1,780 |
| Core capital (leverage) ratio | 12.3764% | 1,445 |
| Tier 1 risk-based capital ratio | 20.1511% | 1,519 |
| Total risk-based capital ratio | 21.4049% | 1,488 |
| Memoranda: | ||
| Average total assets | $200,525,670 | 2,985 |
| Average earning assets | $186,476,330 | 2,970 |
| Average equity | $24,601,000 | 2,759 |
| Average total loans | $117,991,670 | 3,125 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 3,238 |
| Cost of funding earning assets | 0.1332% | 6,040 |
| Net interest margin | 3.8640% | 2,016 |
| Noninterest income to average assets | 0.7315% | 2,012 |
| Noninterest expense to average assets | 2.2586% | 4,976 |
| Loan and lease loss provision to assets | 0.1499% | 1,359 |
| Net operating income to assets | 1.9188% | 392 |
| Return on assets (ROA) | 1.9188% | 415 |
| Pretax return on assets | 1.9188% | 690 |
| Return on Equity (ROE) | 15.6818% | 605 |
| Retained earnings to average equity (ytd only) | 5.1619% | 2,967 |
| Net charge-offs to loans | 0.0034% | 3,203 |
| Credit loss provision to net charge-offs | 7,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,035.0000% | 39 |
| Efficiency ratio | 52.1940% | 5,798 |
| Assets per employee ($millions) | 4.6548% | 2,828 |
| Cash dividends to net income (ytd only)* | 67.0833% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 2,361 |
| Loan loss allowance to noncurrent loans | 66.3088% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 1,825 |
| Noncurrent loans to loans | 2.2951% | 1,076 |
| Net loans and leases to total assets | 57.9030% | 3,956 |
| Net loans and leases to deposits | 66.5020% | 4,106 |
| Net loans and leases to core deposits | 69.3263% | 4,221 |
| Total domestic deposits to total assets | 87.0697% | 2,336 |
| Equity capital to assets | 12.3353% | 1,798 |
| Core capital (leverage) ratio | 12.1473% | 1,548 |
| Tier 1 risk-based capital ratio | 20.3866% | 1,545 |
| Total risk-based capital ratio | 21.6396% | 1,517 |
| Memoranda: | ||
| Average total assets | $200,126,500 | 3,013 |
| Average earning assets | $186,232,000 | 2,984 |
| Average equity | $24,487,000 | 2,790 |
| Average total loans | $117,675,000 | 3,130 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 4,188 |
| Cost of funding earning assets | 0.1516% | 6,091 |
| Net interest margin | 3.7324% | 2,870 |
| Noninterest income to average assets | 0.6947% | 2,329 |
| Noninterest expense to average assets | 2.2726% | 5,183 |
| Loan and lease loss provision to assets | 0.2560% | 876 |
| Net operating income to assets | 1.6209% | 681 |
| Return on assets (ROA) | 1.6209% | 713 |
| Pretax return on assets | 1.6209% | 1,176 |
| Return on Equity (ROE) | 13.2805% | 1,081 |
| Retained earnings to average equity (ytd only) | 3.0622% | 4,066 |
| Net charge-offs to loans | 0.4129% | 1,033 |
| Credit loss provision to net charge-offs | 107.5269% | 2,221 |
| Earnings coverage of net charge-offs (x) | 7.8839% | 2,960 |
| Efficiency ratio | 54.7687% | 5,784 |
| Assets per employee ($millions) | 4.4466% | 3,129 |
| Cash dividends to net income (ytd only)* | 76.9425% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 2,648 |
| Loan loss allowance to noncurrent loans | 49.3817% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8376% | 1,410 |
| Noncurrent loans to loans | 2.9551% | 766 |
| Net loans and leases to total assets | 57.9447% | 4,050 |
| Net loans and leases to deposits | 66.4023% | 4,280 |
| Net loans and leases to core deposits | 69.0906% | 4,404 |
| Total domestic deposits to total assets | 87.2631% | 2,141 |
| Equity capital to assets | 12.1362% | 1,917 |
| Core capital (leverage) ratio | 11.9997% | 1,612 |
| Tier 1 risk-based capital ratio | 18.3744% | 2,026 |
| Total risk-based capital ratio | 19.6250% | 1,992 |
| Memoranda: | ||
| Average total assets | $195,327,800 | 3,047 |
| Average earning assets | $180,794,800 | 3,030 |
| Average equity | $23,839,400 | 2,770 |
| Average total loans | $112,615,800 | 3,168 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 4,453 |
| Cost of funding earning assets | 0.1552% | 6,154 |
| Net interest margin | 3.6694% | 3,157 |
| Noninterest income to average assets | 0.7355% | 2,150 |
| Noninterest expense to average assets | 2.2904% | 5,135 |
| Loan and lease loss provision to assets | 0.2232% | 1,022 |
| Net operating income to assets | 1.6153% | 722 |
| Return on assets (ROA) | 1.6153% | 751 |
| Pretax return on assets | 1.6153% | 1,278 |
| Return on Equity (ROE) | 13.2160% | 1,166 |
| Retained earnings to average equity (ytd only) | 2.7140% | 4,660 |
| Net charge-offs to loans | 0.3915% | 1,017 |
| Credit loss provision to net charge-offs | 99.3884% | 2,259 |
| Earnings coverage of net charge-offs (x) | 8.1865% | 2,841 |
| Efficiency ratio | 55.4724% | 5,710 |
| Assets per employee ($millions) | 4.6084% | 2,797 |
| Cash dividends to net income (ytd only)* | 79.4644% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 2,928 |
| Loan loss allowance to noncurrent loans | 47.8905% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.8621% | 1,585 |
| Noncurrent loans to loans | 3.0363% | 875 |
| Net loans and leases to total assets | 57.4568% | 4,142 |
| Net loans and leases to deposits | 65.9131% | 4,333 |
| Net loans and leases to core deposits | 68.7144% | 4,441 |
| Total domestic deposits to total assets | 87.1705% | 2,227 |
| Equity capital to assets | 12.1028% | 1,976 |
| Core capital (leverage) ratio | 11.8867% | 1,767 |
| Tier 1 risk-based capital ratio | 18.1168% | 2,177 |
| Total risk-based capital ratio | 19.3668% | 2,135 |
| Memoranda: | ||
| Average total assets | $194,135,750 | 3,079 |
| Average earning assets | $179,532,750 | 3,067 |
| Average equity | $23,728,250 | 2,787 |
| Average total loans | $111,354,250 | 3,211 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,461 |
| Cost of funding earning assets | 0.1597% | 6,201 |
| Net interest margin | 3.6570% | 3,113 |
| Noninterest income to average assets | 0.7438% | 2,071 |
| Noninterest expense to average assets | 2.3030% | 5,142 |
| Loan and lease loss provision to assets | 0.1556% | 1,587 |
| Net operating income to assets | 1.6588% | 630 |
| Return on assets (ROA) | 1.6588% | 665 |
| Pretax return on assets | 1.6588% | 1,117 |
| Return on Equity (ROE) | 13.5260% | 1,049 |
| Retained earnings to average equity (ytd only) | 2.3347% | 4,716 |
| Net charge-offs to loans | 0.0018% | 4,334 |
| Credit loss provision to net charge-offs | 15,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,749.0000% | 20 |
| Efficiency ratio | 55.9335% | 5,752 |
| Assets per employee ($millions) | 4.3194% | 3,232 |
| Cash dividends to net income (ytd only)* | 82.7392% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 2,158 |
| Loan loss allowance to noncurrent loans | 46.5430% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.1428% | 1,438 |
| Noncurrent loans to loans | 3.6324% | 712 |
| Net loans and leases to total assets | 54.7780% | 4,438 |
| Net loans and leases to deposits | 62.9307% | 4,605 |
| Net loans and leases to core deposits | 65.4594% | 4,688 |
| Total domestic deposits to total assets | 87.0449% | 2,431 |
| Equity capital to assets | 12.2543% | 1,811 |
| Core capital (leverage) ratio | 12.1135% | 1,595 |
| Tier 1 risk-based capital ratio | 18.9219% | 1,939 |
| Total risk-based capital ratio | 20.1747% | 1,903 |
| Memoranda: | ||
| Average total assets | $192,794,000 | 3,113 |
| Average earning assets | $177,851,330 | 3,105 |
| Average equity | $23,643,330 | 2,785 |
| Average total loans | $109,960,000 | 3,246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 4,236 |
| Cost of funding earning assets | 0.1649% | 6,266 |
| Net interest margin | 3.6970% | 2,876 |
| Noninterest income to average assets | 0.7896% | 1,798 |
| Noninterest expense to average assets | 2.3458% | 5,080 |
| Loan and lease loss provision to assets | 0.1562% | 1,552 |
| Net operating income to assets | 1.6979% | 579 |
| Return on assets (ROA) | 1.6979% | 594 |
| Pretax return on assets | 1.6979% | 981 |
| Return on Equity (ROE) | 13.8397% | 972 |
| Retained earnings to average equity (ytd only) | 3.4981% | 4,033 |
| Net charge-offs to loans | 0.0289% | 3,005 |
| Credit loss provision to net charge-offs | 937.5000% | 328 |
| Earnings coverage of net charge-offs (x) | 111.2500% | 422 |
| Efficiency ratio | 55.8532% | 5,849 |
| Assets per employee ($millions) | 4.3233% | 3,300 |
| Cash dividends to net income (ytd only)* | 74.7239% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 2,729 |
| Loan loss allowance to noncurrent loans | 43.6595% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 1,494 |
| Noncurrent loans to loans | 3.6518% | 776 |
| Net loans and leases to total assets | 56.7487% | 4,040 |
| Net loans and leases to deposits | 65.3262% | 4,165 |
| Net loans and leases to core deposits | 68.2543% | 4,279 |
| Total domestic deposits to total assets | 86.8696% | 2,892 |
| Equity capital to assets | 12.4617% | 1,601 |
| Core capital (leverage) ratio | 12.4233% | 1,419 |
| Tier 1 risk-based capital ratio | 18.6345% | 2,080 |
| Total risk-based capital ratio | 19.8863% | 2,042 |
| Memoranda: | ||
| Average total assets | $192,005,000 | 3,139 |
| Average earning assets | $177,117,000 | 3,136 |
| Average equity | $23,555,500 | 2,790 |
| Average total loans | $110,788,000 | 3,249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 4,761 |
| Cost of funding earning assets | 0.2007% | 6,292 |
| Net interest margin | 3.6146% | 3,397 |
| Noninterest income to average assets | 0.8133% | 2,013 |
| Noninterest expense to average assets | 2.3737% | 5,147 |
| Loan and lease loss provision to assets | 0.0392% | 4,336 |
| Net operating income to assets | 1.7473% | 531 |
| Return on assets (ROA) | 1.7473% | 546 |
| Pretax return on assets | 1.7473% | 856 |
| Return on Equity (ROE) | 14.4206% | 865 |
| Retained earnings to average equity (ytd only) | 3.0203% | 4,084 |
| Net charge-offs to loans | 0.3586% | 1,885 |
| Credit loss provision to net charge-offs | 19.2802% | 4,457 |
| Earnings coverage of net charge-offs (x) | 8.7969% | 2,605 |
| Efficiency ratio | 57.0586% | 5,847 |
| Assets per employee ($millions) | 4.2128% | 3,420 |
| Cash dividends to net income (ytd only)* | 79.0559% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,168 |
| Loan loss allowance to noncurrent loans | 78.0873% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 3,118 |
| Noncurrent loans to loans | 1.9253% | 2,083 |
| Net loans and leases to total assets | 56.8645% | 4,205 |
| Net loans and leases to deposits | 65.1689% | 4,391 |
| Net loans and leases to core deposits | 67.7833% | 4,537 |
| Total domestic deposits to total assets | 87.2571% | 2,599 |
| Equity capital to assets | 12.0782% | 1,752 |
| Core capital (leverage) ratio | 12.1866% | 1,503 |
| Tier 1 risk-based capital ratio | 18.2936% | 2,148 |
| Total risk-based capital ratio | 19.5444% | 2,109 |
| Memoranda: | ||
| Average total assets | $191,556,600 | 3,140 |
| Average earning assets | $177,361,800 | 3,109 |
| Average equity | $23,209,800 | 2,800 |
| Average total loans | $108,488,800 | 3,276 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 4,841 |
| Cost of funding earning assets | 0.2079% | 6,366 |
| Net interest margin | 3.5959% | 3,461 |
| Noninterest income to average assets | 0.7790% | 2,248 |
| Noninterest expense to average assets | 2.3399% | 5,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7710% | 562 |
| Return on assets (ROA) | 1.7710% | 587 |
| Pretax return on assets | 1.7710% | 961 |
| Return on Equity (ROE) | 14.6048% | 869 |
| Retained earnings to average equity (ytd only) | 3.2813% | 4,343 |
| Net charge-offs to loans | 0.0842% | 3,744 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 37.3106% | 1,056 |
| Efficiency ratio | 56.9197% | 5,811 |
| Assets per employee ($millions) | 4.1443% | 3,546 |
| Cash dividends to net income (ytd only)* | 77.5325% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 2,320 |
| Loan loss allowance to noncurrent loans | 83.4271% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 3,156 |
| Noncurrent loans to loans | 2.1517% | 2,062 |
| Net loans and leases to total assets | 55.3278% | 4,412 |
| Net loans and leases to deposits | 63.5790% | 4,559 |
| Net loans and leases to core deposits | 66.2873% | 4,684 |
| Total domestic deposits to total assets | 87.0221% | 2,681 |
| Equity capital to assets | 12.2262% | 1,765 |
| Core capital (leverage) ratio | 12.2922% | 1,525 |
| Tier 1 risk-based capital ratio | 18.8976% | 2,018 |
| Total risk-based capital ratio | 20.1513% | 1,978 |
| Memoranda: | ||
| Average total assets | $190,999,000 | 3,169 |
| Average earning assets | $176,973,250 | 3,145 |
| Average equity | $23,160,750 | 2,830 |
| Average total loans | $107,641,500 | 3,313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 4,814 |
| Cost of funding earning assets | 0.2142% | 6,410 |
| Net interest margin | 3.5901% | 3,400 |
| Noninterest income to average assets | 0.7922% | 2,222 |
| Noninterest expense to average assets | 2.3682% | 5,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7570% | 565 |
| Return on assets (ROA) | 1.7570% | 609 |
| Pretax return on assets | 1.7570% | 1,002 |
| Return on Equity (ROE) | 14.5295% | 900 |
| Retained earnings to average equity (ytd only) | 3.3836% | 4,168 |
| Net charge-offs to loans | -0.0019% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4074% | 5,810 |
| Assets per employee ($millions) | 4.0734% | 3,640 |
| Cash dividends to net income (ytd only)* | 76.7123% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 2,166 |
| Loan loss allowance to noncurrent loans | 88.7950% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 3,294 |
| Noncurrent loans to loans | 2.1197% | 2,260 |
| Net loans and leases to total assets | 55.5570% | 4,360 |
| Net loans and leases to deposits | 63.9253% | 4,517 |
| Net loans and leases to core deposits | 67.3911% | 4,558 |
| Total domestic deposits to total assets | 86.9093% | 2,878 |
| Equity capital to assets | 12.3676% | 1,662 |
| Core capital (leverage) ratio | 12.2210% | 1,498 |
| Tier 1 risk-based capital ratio | 18.9056% | 2,016 |
| Total risk-based capital ratio | 20.1604% | 1,978 |
| Memoranda: | ||
| Average total assets | $191,118,670 | 3,179 |
| Average earning assets | $177,430,000 | 3,152 |
| Average equity | $23,111,670 | 2,853 |
| Average total loans | $107,720,330 | 3,326 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,893 |
| Cost of funding earning assets | 0.2190% | 6,479 |
| Net interest margin | 3.5607% | 3,430 |
| Noninterest income to average assets | 0.7462% | 2,353 |
| Noninterest expense to average assets | 2.3380% | 5,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7099% | 571 |
| Return on assets (ROA) | 1.7099% | 630 |
| Pretax return on assets | 1.7099% | 1,050 |
| Return on Equity (ROE) | 14.2978% | 901 |
| Retained earnings to average equity (ytd only) | 3.1368% | 4,385 |
| Net charge-offs to loans | -0.0074% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7573% | 5,878 |
| Assets per employee ($millions) | 4.1164% | 3,706 |
| Cash dividends to net income (ytd only)* | 78.0606% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8581% | 2,426 |
| Loan loss allowance to noncurrent loans | 96.6618% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 3,697 |
| Noncurrent loans to loans | 1.9222% | 2,710 |
| Net loans and leases to total assets | 55.7326% | 4,130 |
| Net loans and leases to deposits | 63.9838% | 4,318 |
| Net loans and leases to core deposits | 67.3880% | 4,367 |
| Total domestic deposits to total assets | 87.1042% | 2,900 |
| Equity capital to assets | 12.2140% | 1,901 |
| Core capital (leverage) ratio | 11.9642% | 1,586 |
| Tier 1 risk-based capital ratio | 18.4496% | 2,210 |
| Total risk-based capital ratio | 19.7042% | 2,178 |
| Memoranda: | ||
| Average total assets | $192,989,500 | 3,181 |
| Average earning assets | $178,955,000 | 3,163 |
| Average equity | $23,080,500 | 2,908 |
| Average total loans | $108,531,500 | 3,322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 4,776 |
| Cost of funding earning assets | 0.2819% | 6,543 |
| Net interest margin | 3.8669% | 2,958 |
| Noninterest income to average assets | 0.8646% | 1,974 |
| Noninterest expense to average assets | 2.4198% | 5,355 |
| Loan and lease loss provision to assets | 0.1155% | 4,185 |
| Net operating income to assets | 1.9135% | 418 |
| Return on assets (ROA) | 1.9135% | 464 |
| Pretax return on assets | 1.9135% | 733 |
| Return on Equity (ROE) | 15.3663% | 751 |
| Retained earnings to average equity (ytd only) | 3.2082% | 3,965 |
| Net charge-offs to loans | -0.0116% | 6,487 |
| Credit loss provision to net charge-offs | -1,638.4615% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3926% | 6,225 |
| Assets per employee ($millions) | 4.1835% | 3,585 |
| Cash dividends to net income (ytd only)* | 79.1218% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 2,520 |
| Loan loss allowance to noncurrent loans | 102.3065% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 3,999 |
| Noncurrent loans to loans | 1.7812% | 2,945 |
| Net loans and leases to total assets | 54.6915% | 4,512 |
| Net loans and leases to deposits | 62.4171% | 4,736 |
| Net loans and leases to core deposits | 65.7427% | 4,768 |
| Total domestic deposits to total assets | 87.6225% | 2,464 |
| Equity capital to assets | 11.7143% | 2,257 |
| Core capital (leverage) ratio | 12.0474% | 1,545 |
| Tier 1 risk-based capital ratio | 17.9355% | 2,280 |
| Total risk-based capital ratio | 19.1894% | 2,250 |
| Memoranda: | ||
| Average total assets | $184,480,800 | 3,252 |
| Average earning assets | $170,990,200 | 3,217 |
| Average equity | $22,972,400 | 2,853 |
| Average total loans | $111,810,600 | 3,254 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 4,608 |
| Cost of funding earning assets | 0.2990% | 6,621 |
| Net interest margin | 3.9613% | 2,660 |
| Noninterest income to average assets | 0.8134% | 2,178 |
| Noninterest expense to average assets | 2.3992% | 5,401 |
| Loan and lease loss provision to assets | 0.1124% | 4,160 |
| Net operating income to assets | 1.9715% | 398 |
| Return on assets (ROA) | 1.9715% | 453 |
| Pretax return on assets | 1.9715% | 748 |
| Return on Equity (ROE) | 15.5822% | 806 |
| Retained earnings to average equity (ytd only) | 3.5079% | 4,403 |
| Net charge-offs to loans | -0.0202% | 6,499 |
| Credit loss provision to net charge-offs | -900.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5158% | 6,302 |
| Assets per employee ($millions) | 3.9664% | 3,939 |
| Cash dividends to net income (ytd only)* | 77.4880% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7794% | 2,861 |
| Loan loss allowance to noncurrent loans | 97.8809% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1745% | 3,941 |
| Noncurrent loans to loans | 1.8179% | 3,053 |
| Net loans and leases to total assets | 58.6935% | 4,008 |
| Net loans and leases to deposits | 67.8433% | 4,209 |
| Net loans and leases to core deposits | 71.6850% | 4,293 |
| Total domestic deposits to total assets | 86.5132% | 2,975 |
| Equity capital to assets | 12.7046% | 1,763 |
| Core capital (leverage) ratio | 12.3509% | 1,473 |
| Tier 1 risk-based capital ratio | 18.2190% | 2,259 |
| Total risk-based capital ratio | 19.4727% | 2,236 |
| Memoranda: | ||
| Average total assets | $181,445,250 | 3,322 |
| Average earning assets | $168,090,000 | 3,286 |
| Average equity | $22,957,250 | 2,882 |
| Average total loans | $112,380,250 | 3,271 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 4,403 |
| Cost of funding earning assets | 0.3182% | 6,656 |
| Net interest margin | 4.0248% | 2,400 |
| Noninterest income to average assets | 0.7807% | 2,284 |
| Noninterest expense to average assets | 2.3809% | 5,521 |
| Loan and lease loss provision to assets | 0.1027% | 4,235 |
| Net operating income to assets | 2.0264% | 380 |
| Return on assets (ROA) | 2.0264% | 428 |
| Pretax return on assets | 2.0264% | 662 |
| Return on Equity (ROE) | 16.0381% | 764 |
| Retained earnings to average equity (ytd only) | 4.4138% | 3,669 |
| Net charge-offs to loans | -0.0705% | 6,762 |
| Credit loss provision to net charge-offs | -232.5000% | 6,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7914% | 6,441 |
| Assets per employee ($millions) | 3.9552% | 3,970 |
| Cash dividends to net income (ytd only)* | 72.4796% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 3,211 |
| Loan loss allowance to noncurrent loans | 84.3528% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 3,817 |
| Noncurrent loans to loans | 2.0199% | 2,927 |
| Net loans and leases to total assets | 60.3440% | 3,760 |
| Net loans and leases to deposits | 69.7022% | 3,940 |
| Net loans and leases to core deposits | 74.0595% | 4,027 |
| Total domestic deposits to total assets | 86.5739% | 3,032 |
| Equity capital to assets | 12.6802% | 1,699 |
| Core capital (leverage) ratio | 12.2874% | 1,450 |
| Tier 1 risk-based capital ratio | 17.8124% | 2,356 |
| Total risk-based capital ratio | 19.0657% | 2,320 |
| Memoranda: | ||
| Average total assets | $181,109,330 | 3,337 |
| Average earning assets | $167,808,670 | 3,295 |
| Average equity | $22,883,000 | 2,866 |
| Average total loans | $113,497,670 | 3,261 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 4,391 |
| Cost of funding earning assets | 0.3314% | 6,721 |
| Net interest margin | 4.0526% | 2,289 |
| Noninterest income to average assets | 0.7681% | 2,310 |
| Noninterest expense to average assets | 2.3930% | 5,498 |
| Loan and lease loss provision to assets | 0.1173% | 3,881 |
| Net operating income to assets | 2.0211% | 403 |
| Return on assets (ROA) | 2.0211% | 465 |
| Pretax return on assets | 2.0211% | 711 |
| Return on Equity (ROE) | 16.0249% | 805 |
| Retained earnings to average equity (ytd only) | 6.5644% | 2,647 |
| Net charge-offs to loans | -0.0524% | 6,547 |
| Credit loss provision to net charge-offs | -353.3333% | 5,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8090% | 6,462 |
| Assets per employee ($millions) | 3.9801% | 4,059 |
| Cash dividends to net income (ytd only)* | 59.0361% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 3,703 |
| Loan loss allowance to noncurrent loans | 152.2784% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 5,213 |
| Noncurrent loans to loans | 1.0534% | 4,592 |
| Net loans and leases to total assets | 62.9458% | 3,055 |
| Net loans and leases to deposits | 72.8119% | 3,294 |
| Net loans and leases to core deposits | 77.0860% | 3,460 |
| Total domestic deposits to total assets | 86.4498% | 3,278 |
| Equity capital to assets | 12.8148% | 1,534 |
| Core capital (leverage) ratio | 12.2647% | 1,455 |
| Tier 1 risk-based capital ratio | 17.5361% | 2,466 |
| Total risk-based capital ratio | 18.7884% | 2,433 |
| Memoranda: | ||
| Average total assets | $180,695,500 | 3,367 |
| Average earning assets | $167,794,000 | 3,321 |
| Average equity | $22,789,500 | 2,874 |
| Average total loans | $114,401,000 | 3,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5873% | 4,721 |
| Cost of funding earning assets | 0.3708% | 6,963 |
| Net interest margin | 4.2165% | 2,003 |
| Noninterest income to average assets | 0.7812% | 2,157 |
| Noninterest expense to average assets | 2.3950% | 5,786 |
| Loan and lease loss provision to assets | 0.3355% | 3,014 |
| Net operating income to assets | 1.9465% | 344 |
| Return on assets (ROA) | 1.9471% | 370 |
| Pretax return on assets | 1.9471% | 598 |
| Return on Equity (ROE) | 15.7929% | 630 |
| Retained earnings to average equity (ytd only) | 4.6728% | 2,868 |
| Net charge-offs to loans | 0.6876% | 2,435 |
| Credit loss provision to net charge-offs | 77.0677% | 4,595 |
| Earnings coverage of net charge-offs (x) | 5.2419% | 2,853 |
| Efficiency ratio | 51.2073% | 6,761 |
| Assets per employee ($millions) | 3.9627% | 3,939 |
| Cash dividends to net income (ytd only)* | 70.4119% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 3,796 |
| Loan loss allowance to noncurrent loans | 374.2072% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,315 |
| Noncurrent loans to loans | 0.4141% | 5,890 |
| Net loans and leases to total assets | 61.6915% | 3,662 |
| Net loans and leases to deposits | 71.0203% | 3,948 |
| Net loans and leases to core deposits | 74.7711% | 4,139 |
| Total domestic deposits to total assets | 86.8646% | 2,836 |
| Equity capital to assets | 12.4129% | 1,847 |
| Core capital (leverage) ratio | 12.1989% | 1,498 |
| Tier 1 risk-based capital ratio | 17.0219% | 2,592 |
| Total risk-based capital ratio | 18.2739% | 2,546 |
| Memoranda: | ||
| Average total assets | $183,302,000 | 3,281 |
| Average earning assets | $169,357,400 | 3,261 |
| Average equity | $22,598,800 | 2,825 |
| Average total loans | $116,051,400 | 3,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 4,659 |
| Cost of funding earning assets | 0.3817% | 7,054 |
| Net interest margin | 4.2730% | 1,816 |
| Noninterest income to average assets | 0.7518% | 2,303 |
| Noninterest expense to average assets | 2.3781% | 5,823 |
| Loan and lease loss provision to assets | 0.1198% | 4,935 |
| Net operating income to assets | 2.1980% | 258 |
| Return on assets (ROA) | 2.1987% | 273 |
| Pretax return on assets | 2.1987% | 425 |
| Return on Equity (ROE) | 17.8645% | 470 |
| Retained earnings to average equity (ytd only) | 7.2473% | 1,839 |
| Net charge-offs to loans | 0.2380% | 3,932 |
| Credit loss provision to net charge-offs | 79.3269% | 4,157 |
| Earnings coverage of net charge-offs (x) | 15.3411% | 1,473 |
| Efficiency ratio | 50.6419% | 6,792 |
| Assets per employee ($millions) | 3.8398% | 4,213 |
| Cash dividends to net income (ytd only)* | 59.4318% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 3,354 |
| Loan loss allowance to noncurrent loans | 254.3276% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 5,546 |
| Noncurrent loans to loans | 0.6590% | 5,571 |
| Net loans and leases to total assets | 62.0895% | 3,701 |
| Net loans and leases to deposits | 71.8026% | 4,015 |
| Net loans and leases to core deposits | 74.5420% | 4,374 |
| Total domestic deposits to total assets | 86.4725% | 2,950 |
| Equity capital to assets | 12.7129% | 1,782 |
| Core capital (leverage) ratio | 12.1815% | 1,604 |
| Tier 1 risk-based capital ratio | 17.2622% | 2,544 |
| Total risk-based capital ratio | 18.5156% | 2,504 |
| Memoranda: | ||
| Average total assets | $183,556,000 | 3,298 |
| Average earning assets | $169,430,500 | 3,260 |
| Average equity | $22,591,750 | 2,828 |
| Average total loans | $116,508,000 | 3,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 4,271 |
| Cost of funding earning assets | 0.3934% | 7,140 |
| Net interest margin | 4.3614% | 1,482 |
| Noninterest income to average assets | 0.7975% | 2,029 |
| Noninterest expense to average assets | 2.3696% | 5,930 |
| Loan and lease loss provision to assets | 0.0975% | 5,105 |
| Net operating income to assets | 2.3664% | 200 |
| Return on assets (ROA) | 2.3675% | 209 |
| Pretax return on assets | 2.3675% | 303 |
| Return on Equity (ROE) | 19.4441% | 348 |
| Retained earnings to average equity (ytd only) | 11.3461% | 614 |
| Net charge-offs to loans | 0.3443% | 3,184 |
| Credit loss provision to net charge-offs | 44.5545% | 4,715 |
| Earnings coverage of net charge-offs (x) | 11.2574% | 1,733 |
| Efficiency ratio | 49.0249% | 7,005 |
| Assets per employee ($millions) | 3.9012% | 3,989 |
| Cash dividends to net income (ytd only)* | 41.6476% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 3,447 |
| Loan loss allowance to noncurrent loans | 247.4462% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 5,676 |
| Noncurrent loans to loans | 0.6717% | 5,562 |
| Net loans and leases to total assets | 59.4047% | 4,397 |
| Net loans and leases to deposits | 68.5195% | 4,633 |
| Net loans and leases to core deposits | 70.9432% | 4,959 |
| Total domestic deposits to total assets | 86.6975% | 2,927 |
| Equity capital to assets | 12.5439% | 1,758 |
| Core capital (leverage) ratio | 11.9673% | 1,617 |
| Tier 1 risk-based capital ratio | 17.5159% | 2,335 |
| Total risk-based capital ratio | 18.7684% | 2,301 |
| Memoranda: | ||
| Average total assets | $184,584,670 | 3,308 |
| Average earning assets | $170,817,330 | 3,264 |
| Average equity | $22,474,670 | 2,819 |
| Average total loans | $117,356,330 | 3,278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 4,539 |
| Cost of funding earning assets | 0.4138% | 7,198 |
| Net interest margin | 4.2830% | 1,609 |
| Noninterest income to average assets | 0.8337% | 1,909 |
| Noninterest expense to average assets | 2.3693% | 5,987 |
| Loan and lease loss provision to assets | 0.0972% | 4,799 |
| Net operating income to assets | 2.3240% | 218 |
| Return on assets (ROA) | 2.3261% | 229 |
| Pretax return on assets | 2.3261% | 323 |
| Return on Equity (ROE) | 19.3949% | 370 |
| Retained earnings to average equity (ytd only) | 19.3949% | 180 |
| Net charge-offs to loans | 0.0232% | 4,759 |
| Credit loss provision to net charge-offs | 642.8571% | 584 |
| Earnings coverage of net charge-offs (x) | 160.1429% | 197 |
| Efficiency ratio | 49.4590% | 7,030 |
| Assets per employee ($millions) | 3.9575% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 3,437 |
| Loan loss allowance to noncurrent loans | 99.1534% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 4,321 |
| Noncurrent loans to loans | 1.6871% | 3,955 |
| Net loans and leases to total assets | 64.2865% | 3,389 |
| Net loans and leases to deposits | 74.0765% | 3,751 |
| Net loans and leases to core deposits | 77.2617% | 4,118 |
| Total domestic deposits to total assets | 86.7839% | 3,069 |
| Equity capital to assets | 12.4756% | 1,642 |
| Core capital (leverage) ratio | 11.7681% | 1,694 |
| Tier 1 risk-based capital ratio | 16.4824% | 2,667 |
| Total risk-based capital ratio | 17.7358% | 2,642 |
| Memoranda: | ||
| Average total assets | $185,199,000 | 3,318 |
| Average earning assets | $171,094,500 | 3,285 |
| Average equity | $22,212,000 | 2,843 |
| Average total loans | $120,653,000 | 3,244 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 5,564 |
| Cost of funding earning assets | 0.5461% | 7,236 |
| Net interest margin | 4.2175% | 2,115 |
| Noninterest income to average assets | 0.7206% | 2,710 |
| Noninterest expense to average assets | 2.5969% | 5,430 |
| Loan and lease loss provision to assets | 0.4299% | 3,540 |
| Net operating income to assets | 1.5839% | 637 |
| Return on assets (ROA) | 1.5839% | 696 |
| Pretax return on assets | 1.5839% | 1,165 |
| Return on Equity (ROE) | 12.9799% | 1,091 |
| Retained earnings to average equity (ytd only) | 1.6503% | 4,692 |
| Net charge-offs to loans | 0.1065% | 5,811 |
| Credit loss provision to net charge-offs | 640.4959% | 330 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 736 |
| Efficiency ratio | 56.3229% | 6,559 |
| Assets per employee ($millions) | 4.0947% | 3,591 |
| Cash dividends to net income (ytd only)* | 87.2855% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,585 |
| Loan loss allowance to noncurrent loans | 156.1151% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 5,234 |
| Noncurrent loans to loans | 1.0230% | 5,023 |
| Net loans and leases to total assets | 63.8863% | 3,900 |
| Net loans and leases to deposits | 73.4692% | 4,283 |
| Net loans and leases to core deposits | 76.4572% | 4,643 |
| Total domestic deposits to total assets | 86.9565% | 2,843 |
| Equity capital to assets | 11.5277% | 2,237 |
| Core capital (leverage) ratio | 11.3581% | 1,920 |
| Tier 1 risk-based capital ratio | 15.2041% | 3,148 |
| Total risk-based capital ratio | 16.4561% | 3,097 |
| Memoranda: | ||
| Average total assets | $180,255,400 | 3,371 |
| Average earning assets | $166,258,000 | 3,344 |
| Average equity | $21,995,600 | 2,874 |
| Average total loans | $113,582,000 | 3,459 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 5,523 |
| Cost of funding earning assets | 0.5712% | 7,346 |
| Net interest margin | 4.2656% | 1,970 |
| Noninterest income to average assets | 0.7728% | 2,372 |
| Noninterest expense to average assets | 2.4776% | 5,796 |
| Loan and lease loss provision to assets | 0.0935% | 6,090 |
| Net operating income to assets | 2.1343% | 271 |
| Return on assets (ROA) | 2.1343% | 290 |
| Pretax return on assets | 2.1343% | 468 |
| Return on Equity (ROE) | 17.2385% | 561 |
| Retained earnings to average equity (ytd only) | 2.1812% | 4,863 |
| Net charge-offs to loans | 0.0969% | 5,559 |
| Credit loss provision to net charge-offs | 154.3210% | 2,494 |
| Earnings coverage of net charge-offs (x) | 36.7645% | 741 |
| Efficiency ratio | 52.6550% | 6,922 |
| Assets per employee ($millions) | 3.9556% | 3,929 |
| Cash dividends to net income (ytd only)* | 87.3467% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,629 |
| Loan loss allowance to noncurrent loans | 103.0698% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 5,194 |
| Noncurrent loans to loans | 1.1344% | 4,968 |
| Net loans and leases to total assets | 62.3893% | 4,451 |
| Net loans and leases to deposits | 71.5837% | 4,892 |
| Net loans and leases to core deposits | 74.3245% | 5,254 |
| Total domestic deposits to total assets | 87.1557% | 2,442 |
| Equity capital to assets | 12.0227% | 2,146 |
| Core capital (leverage) ratio | 11.5071% | 1,936 |
| Tier 1 risk-based capital ratio | 16.0345% | 2,744 |
| Total risk-based capital ratio | 17.0712% | 2,801 |
| Memoranda: | ||
| Average total assets | $178,230,500 | 3,446 |
| Average earning assets | $164,319,750 | 3,419 |
| Average equity | $22,066,250 | 2,910 |
| Average total loans | $111,406,000 | 3,571 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 5,098 |
| Cost of funding earning assets | 0.5916% | 7,422 |
| Net interest margin | 4.3756% | 1,522 |
| Noninterest income to average assets | 0.7503% | 2,390 |
| Noninterest expense to average assets | 2.4781% | 5,805 |
| Loan and lease loss provision to assets | 0.0904% | 6,022 |
| Net operating income to assets | 2.2103% | 225 |
| Return on assets (ROA) | 2.2103% | 249 |
| Pretax return on assets | 2.2103% | 400 |
| Return on Equity (ROE) | 17.6776% | 500 |
| Retained earnings to average equity (ytd only) | 9.6432% | 929 |
| Net charge-offs to loans | 0.1379% | 4,842 |
| Credit loss provision to net charge-offs | 105.2632% | 3,868 |
| Earnings coverage of net charge-offs (x) | 26.7895% | 994 |
| Efficiency ratio | 51.8562% | 7,090 |
| Assets per employee ($millions) | 3.7733% | 4,286 |
| Cash dividends to net income (ytd only)* | 45.4499% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,621 |
| Loan loss allowance to noncurrent loans | 1,608.6420% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 6,702 |
| Noncurrent loans to loans | 0.0725% | 7,129 |
| Net loans and leases to total assets | 62.2264% | 4,638 |
| Net loans and leases to deposits | 72.0344% | 4,992 |
| Net loans and leases to core deposits | 74.8410% | 5,343 |
| Total domestic deposits to total assets | 86.3842% | 2,877 |
| Equity capital to assets | 12.8139% | 1,647 |
| Core capital (leverage) ratio | 12.4015% | 1,446 |
| Tier 1 risk-based capital ratio | 17.1419% | 2,222 |
| Total risk-based capital ratio | 18.1818% | 2,260 |
| Memoranda: | ||
| Average total assets | $176,988,670 | 3,486 |
| Average earning assets | $162,948,000 | 3,464 |
| Average equity | $22,129,670 | 2,909 |
| Average total loans | $110,253,330 | 3,628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 5,121 |
| Cost of funding earning assets | 0.6058% | 7,527 |
| Net interest margin | 4.3726% | 1,469 |
| Noninterest income to average assets | 0.7443% | 2,331 |
| Noninterest expense to average assets | 2.4908% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.3030% | 209 |
| Return on assets (ROA) | 2.3030% | 234 |
| Pretax return on assets | 2.3030% | 346 |
| Return on Equity (ROE) | 18.6515% | 466 |
| Retained earnings to average equity (ytd only) | 2.3635% | 4,724 |
| Net charge-offs to loans | -0.0037% | 6,790 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9585% | 7,162 |
| Assets per employee ($millions) | 3.6531% | 4,688 |
| Cash dividends to net income (ytd only)* | 87.3281% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,562 |
| Loan loss allowance to noncurrent loans | 970.1493% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 7,250 |
| Noncurrent loans to loans | 0.1224% | 7,104 |
| Net loans and leases to total assets | 63.0028% | 4,533 |
| Net loans and leases to deposits | 72.8862% | 4,930 |
| Net loans and leases to core deposits | 76.3272% | 5,214 |
| Total domestic deposits to total assets | 86.4401% | 2,924 |
| Equity capital to assets | 12.7480% | 1,629 |
| Core capital (leverage) ratio | 11.7145% | 1,794 |
| Tier 1 risk-based capital ratio | 16.6456% | 2,390 |
| Total risk-based capital ratio | 17.6991% | 2,424 |
| Memoranda: | ||
| Average total assets | $176,810,000 | 3,547 |
| Average earning assets | $163,746,000 | 3,501 |
| Average equity | $21,832,000 | 2,967 |
| Average total loans | $109,550,500 | 3,690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 6,708 |
| Cost of funding earning assets | 0.7864% | 7,575 |
| Net interest margin | 4.1157% | 2,386 |
| Noninterest income to average assets | 0.7231% | 2,832 |
| Noninterest expense to average assets | 2.5061% | 6,104 |
| Loan and lease loss provision to assets | 0.3268% | 4,852 |
| Net operating income to assets | 1.6976% | 441 |
| Return on assets (ROA) | 1.6976% | 469 |
| Pretax return on assets | 1.6976% | 783 |
| Return on Equity (ROE) | 14.0350% | 778 |
| Retained earnings to average equity (ytd only) | 1.6268% | 3,944 |
| Net charge-offs to loans | 0.0544% | 6,554 |
| Credit loss provision to net charge-offs | 1,058.9286% | 278 |
| Earnings coverage of net charge-offs (x) | 65.5893% | 415 |
| Efficiency ratio | 55.3163% | 7,095 |
| Assets per employee ($millions) | 3.7901% | 4,301 |
| Cash dividends to net income (ytd only)* | 88.4091% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 5,443 |
| Loan loss allowance to noncurrent loans | 1,286.1386% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 7,260 |
| Noncurrent loans to loans | 0.0921% | 7,179 |
| Net loans and leases to total assets | 59.5461% | 5,409 |
| Net loans and leases to deposits | 68.2493% | 5,793 |
| Net loans and leases to core deposits | 84.5454% | 5,668 |
| Total domestic deposits to total assets | 87.2479% | 2,356 |
| Equity capital to assets | 11.9699% | 2,050 |
| Core capital (leverage) ratio | 11.3563% | 2,002 |
| Tier 1 risk-based capital ratio | 16.2060% | 2,430 |
| Total risk-based capital ratio | 17.2374% | 2,459 |
| Memoranda: | ||
| Average total assets | $181,436,600 | 3,415 |
| Average earning assets | $167,846,200 | 3,385 |
| Average equity | $21,945,200 | 2,949 |
| Average total loans | $102,880,600 | 3,873 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 6,829 |
| Cost of funding earning assets | 0.8258% | 7,658 |
| Net interest margin | 4.0978% | 2,407 |
| Noninterest income to average assets | 0.7067% | 2,972 |
| Noninterest expense to average assets | 2.4325% | 6,301 |
| Loan and lease loss provision to assets | 0.0846% | 6,517 |
| Net operating income to assets | 1.9810% | 305 |
| Return on assets (ROA) | 1.9810% | 329 |
| Pretax return on assets | 1.9810% | 563 |
| Return on Equity (ROE) | 16.3361% | 614 |
| Retained earnings to average equity (ytd only) | 6.7855% | 1,596 |
| Net charge-offs to loans | -0.0303% | 7,802 |
| Credit loss provision to net charge-offs | -500.0000% | 7,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0788% | 7,226 |
| Assets per employee ($millions) | 3.6391% | 4,578 |
| Cash dividends to net income (ytd only)* | 58.4633% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 6,943 |
| Loan loss allowance to noncurrent loans | 100.7839% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 6,168 |
| Noncurrent loans to loans | 0.8457% | 5,604 |
| Net loans and leases to total assets | 59.9322% | 5,591 |
| Net loans and leases to deposits | 69.6427% | 5,960 |
| Net loans and leases to core deposits | 86.9568% | 5,765 |
| Total domestic deposits to total assets | 86.0567% | 2,680 |
| Equity capital to assets | 12.9455% | 1,719 |
| Core capital (leverage) ratio | 11.7599% | 1,928 |
| Tier 1 risk-based capital ratio | 17.5447% | 2,113 |
| Total risk-based capital ratio | 18.2904% | 2,213 |
| Memoranda: | ||
| Average total assets | $181,315,000 | 3,450 |
| Average earning assets | $167,758,500 | 3,408 |
| Average equity | $21,987,500 | 2,975 |
| Average total loans | $101,194,000 | 3,954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8980% | 7,032 |
| Cost of funding earning assets | 0.8585% | 7,749 |
| Net interest margin | 4.0395% | 2,541 |
| Noninterest income to average assets | 0.7182% | 2,880 |
| Noninterest expense to average assets | 2.3288% | 6,679 |
| Loan and lease loss provision to assets | 0.0708% | 6,489 |
| Net operating income to assets | 2.0564% | 260 |
| Return on assets (ROA) | 2.0564% | 284 |
| Pretax return on assets | 2.0564% | 483 |
| Return on Equity (ROE) | 17.3286% | 547 |
| Retained earnings to average equity (ytd only) | 2.8651% | 3,732 |
| Net charge-offs to loans | -0.6117% | 8,111 |
| Credit loss provision to net charge-offs | -21.3115% | 6,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2622% | 7,495 |
| Assets per employee ($millions) | 3.8920% | 3,893 |
| Cash dividends to net income (ytd only)* | 83.4658% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 5,439 |
| Loan loss allowance to noncurrent loans | 136.7150% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 6,264 |
| Noncurrent loans to loans | 0.8216% | 5,582 |
| Net loans and leases to total assets | 55.6616% | 6,246 |
| Net loans and leases to deposits | 63.9625% | 6,566 |
| Net loans and leases to core deposits | 78.3260% | 6,528 |
| Total domestic deposits to total assets | 87.0223% | 2,244 |
| Equity capital to assets | 12.0544% | 2,173 |
| Core capital (leverage) ratio | 11.2125% | 2,253 |
| Tier 1 risk-based capital ratio | 17.2794% | 2,217 |
| Total risk-based capital ratio | 18.2399% | 2,253 |
| Memoranda: | ||
| Average total assets | $183,527,000 | 3,432 |
| Average earning assets | $169,823,000 | 3,394 |
| Average equity | $21,779,000 | 3,000 |
| Average total loans | $99,729,000 | 4,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 7,210 |
| Cost of funding earning assets | 0.9064% | 7,804 |
| Net interest margin | 3.9766% | 2,747 |
| Noninterest income to average assets | 0.6998% | 2,894 |
| Noninterest expense to average assets | 2.3254% | 6,448 |
| Loan and lease loss provision to assets | 0.1400% | 5,162 |
| Net operating income to assets | 1.9184% | 410 |
| Return on assets (ROA) | 1.9184% | 462 |
| Pretax return on assets | 1.9184% | 767 |
| Return on Equity (ROE) | 16.2903% | 778 |
| Retained earnings to average equity (ytd only) | 16.2903% | 315 |
| Net charge-offs to loans | 0.2258% | 3,286 |
| Credit loss provision to net charge-offs | 116.0714% | 3,360 |
| Earnings coverage of net charge-offs (x) | 17.0714% | 1,524 |
| Efficiency ratio | 53.0452% | 7,312 |
| Assets per employee ($millions) | 4.0027% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7788% | 7,235 |
| Loan loss allowance to noncurrent loans | 240.1869% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 6,976 |
| Noncurrent loans to loans | 0.3242% | 6,629 |
| Net loans and leases to total assets | 54.5348% | 6,407 |
| Net loans and leases to deposits | 62.9622% | 6,647 |
| Net loans and leases to core deposits | 76.1989% | 6,663 |
| Total domestic deposits to total assets | 86.6150% | 2,401 |
| Equity capital to assets | 12.4722% | 1,989 |
| Core capital (leverage) ratio | 11.4055% | 2,205 |
| Tier 1 risk-based capital ratio | 17.9278% | 2,073 |
| Total risk-based capital ratio | 18.5877% | 2,181 |
| Memoranda: | ||
| Average total assets | $185,775,500 | 3,412 |
| Average earning assets | $172,108,000 | 3,385 |
| Average equity | $21,878,000 | 2,993 |
| Average total loans | $99,202,000 | 4,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0934% | 5,078 |
| Cost of funding earning assets | 1.4978% | 7,617 |
| Net interest margin | 4.5957% | 1,190 |
| Noninterest income to average assets | 0.6932% | 3,163 |
| Noninterest expense to average assets | 2.3590% | 6,535 |
| Loan and lease loss provision to assets | 0.0571% | 6,701 |
| Net operating income to assets | 2.5136% | 123 |
| Return on assets (ROA) | 2.5136% | 123 |
| Pretax return on assets | 2.5028% | 194 |
| Return on Equity (ROE) | 21.2231% | 291 |
| Retained earnings to average equity (ytd only) | 3.4537% | 2,990 |
| Net charge-offs to loans | -0.0118% | 7,871 |
| Credit loss provision to net charge-offs | -833.3333% | 7,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9587% | 7,812 |
| Assets per employee ($millions) | 4.1615% | 3,190 |
| Cash dividends to net income (ytd only)* | 83.7267% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 7,217 |
| Loan loss allowance to noncurrent loans | 242.6752% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 6,878 |
| Noncurrent loans to loans | 0.3159% | 6,427 |
| Net loans and leases to total assets | 51.5293% | 6,893 |
| Net loans and leases to deposits | 58.5279% | 7,175 |
| Net loans and leases to core deposits | 69.2066% | 7,235 |
| Total domestic deposits to total assets | 88.0422% | 1,457 |
| Equity capital to assets | 11.1220% | 2,947 |
| Core capital (leverage) ratio | 10.9398% | 2,635 |
| Tier 1 risk-based capital ratio | 16.8515% | 2,362 |
| Total risk-based capital ratio | 17.4918% | 2,505 |
| Memoranda: | ||
| Average total assets | $175,283,200 | 3,471 |
| Average earning assets | $161,173,800 | 3,452 |
| Average equity | $20,760,400 | 3,127 |
| Average total loans | $101,363,000 | 3,909 |