Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 3,298 |
| Cost of funding earning assets | 1.5566% | 1,794 |
| Net interest margin | 2.8329% | 3,601 |
| Noninterest income to average assets | 1.0200% | 609 |
| Noninterest expense to average assets | 2.0882% | 3,435 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4090% | 1,204 |
| Return on assets (ROA) | 1.4130% | 1,169 |
| Pretax return on assets | 1.4707% | 1,489 |
| Return on Equity (ROE) | 34.2000% | 131 |
| Retained earnings to average equity (ytd only) | 5.1111% | 2,573 |
| Net charge-offs to loans | 0.0553% | 1,304 |
| Credit loss provision to net charge-offs | 412.4378% | 773 |
| Earnings coverage of net charge-offs (x) | 65.8259% | 1,133 |
| Efficiency ratio | 56.6860% | 3,429 |
| Assets per employee ($millions) | 7.5029% | 1,726 |
| Cash dividends to net income (ytd only)* | 85.0557% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 2,201 |
| Loan loss allowance to noncurrent loans | 34.8299% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 235 |
| Noncurrent loans to loans | 3.4909% | 112 |
| Net loans and leases to total assets | 44.4500% | 3,880 |
| Net loans and leases to deposits | 51.8560% | 3,886 |
| Net loans and leases to core deposits | 54.7889% | 3,950 |
| Total domestic deposits to total assets | 85.7300% | 2,097 |
| Equity capital to assets | 4.9613% | 4,420 |
| Core capital (leverage) ratio | 8.7916% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7938% | 1,114 |
| Memoranda: | ||
| Average total assets | $844,345,000 | 1,141 |
| Average earning assets | $784,744,800 | 1,122 |
| Average equity | $34,884,800 | 2,056 |
| Average total loans | $363,381,600 | 1,565 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 3,275 |
| Cost of funding earning assets | 1.4301% | 1,790 |
| Net interest margin | 2.8792% | 3,590 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.0472% | 3,478 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.4799% | 1,164 |
| Return on assets (ROA) | 1.4854% | 1,134 |
| Pretax return on assets | 1.5452% | 1,474 |
| Return on Equity (ROE) | 37.8600% | 131 |
| Retained earnings to average equity (ytd only) | 6.9223% | 2,317 |
| Net charge-offs to loans | 0.0732% | 963 |
| Credit loss provision to net charge-offs | 343.1472% | 809 |
| Earnings coverage of net charge-offs (x) | 52.8680% | 1,280 |
| Efficiency ratio | 54.9859% | 3,489 |
| Assets per employee ($millions) | 7.2143% | 1,815 |
| Cash dividends to net income (ytd only)* | 81.7176% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,373 |
| Loan loss allowance to noncurrent loans | 44.1065% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 362 |
| Noncurrent loans to loans | 2.7168% | 168 |
| Net loans and leases to total assets | 44.5800% | 3,892 |
| Net loans and leases to deposits | 51.1907% | 3,895 |
| Net loans and leases to core deposits | 53.7907% | 3,943 |
| Total domestic deposits to total assets | 87.0900% | 1,862 |
| Equity capital to assets | 2.7692% | 4,506 |
| Core capital (leverage) ratio | 8.8134% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7094% | 1,157 |
| Memoranda: | ||
| Average total assets | $843,474,000 | 1,141 |
| Average earning assets | $785,025,250 | 1,119 |
| Average equity | $33,090,250 | 2,121 |
| Average total loans | $358,842,500 | 1,580 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 3,299 |
| Cost of funding earning assets | 1.2946% | 1,724 |
| Net interest margin | 2.9017% | 3,641 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 2.0450% | 3,474 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.4964% | 1,107 |
| Return on assets (ROA) | 1.5050% | 1,094 |
| Pretax return on assets | 1.5671% | 1,469 |
| Return on Equity (ROE) | 35.0800% | 149 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,447 |
| Net charge-offs to loans | 0.1124% | 630 |
| Credit loss provision to net charge-offs | 272.5000% | 907 |
| Earnings coverage of net charge-offs (x) | 35.9500% | 1,466 |
| Efficiency ratio | 54.3838% | 3,578 |
| Assets per employee ($millions) | 7.0912% | 1,857 |
| Cash dividends to net income (ytd only)* | 81.4584% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 2,468 |
| Loan loss allowance to noncurrent loans | 48.9576% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 438 |
| Noncurrent loans to loans | 2.4421% | 189 |
| Net loans and leases to total assets | 41.8600% | 3,972 |
| Net loans and leases to deposits | 47.5800% | 4,001 |
| Net loans and leases to core deposits | 49.4931% | 4,032 |
| Total domestic deposits to total assets | 87.9700% | 1,613 |
| Equity capital to assets | 4.4870% | 4,444 |
| Core capital (leverage) ratio | 8.7034% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7866% | 1,159 |
| Memoranda: | ||
| Average total assets | $852,893,000 | 1,124 |
| Average earning assets | $794,556,000 | 1,105 |
| Average equity | $36,595,333 | 1,994 |
| Average total loans | $355,837,667 | 1,576 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,157 |
| Cost of funding earning assets | 1.1948% | 1,465 |
| Net interest margin | 2.9472% | 3,705 |
| Noninterest income to average assets | 0.9800% | 598 |
| Noninterest expense to average assets | 1.9281% | 3,798 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.5709% | 1,037 |
| Return on assets (ROA) | 1.5740% | 1,025 |
| Pretax return on assets | 1.6426% | 1,380 |
| Return on Equity (ROE) | 37.5300% | 133 |
| Retained earnings to average equity (ytd only) | 8.4758% | 2,086 |
| Net charge-offs to loans | 0.0011% | 2,015 |
| Credit loss provision to net charge-offs | 34,800.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 3,862.0000% | 17 |
| Efficiency ratio | 51.2695% | 3,833 |
| Assets per employee ($millions) | 7.6017% | 1,560 |
| Cash dividends to net income (ytd only)* | 77.4155% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,489 |
| Loan loss allowance to noncurrent loans | 57.1352% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 508 |
| Noncurrent loans to loans | 2.1227% | 254 |
| Net loans and leases to total assets | 40.9100% | 4,006 |
| Net loans and leases to deposits | 47.3957% | 3,984 |
| Net loans and leases to core deposits | 48.9163% | 4,023 |
| Total domestic deposits to total assets | 86.3100% | 2,503 |
| Equity capital to assets | 4.5721% | 4,482 |
| Core capital (leverage) ratio | 8.4886% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9746% | 1,155 |
| Memoranda: | ||
| Average total assets | $857,414,000 | 1,132 |
| Average earning assets | $799,136,500 | 1,114 |
| Average equity | $35,961,000 | 2,045 |
| Average total loans | $355,014,000 | 1,596 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 3,159 |
| Cost of funding earning assets | 0.6496% | 714 |
| Net interest margin | 2.8178% | 3,854 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 2.0501% | 3,442 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4955% | 889 |
| Return on assets (ROA) | 1.4897% | 868 |
| Pretax return on assets | 1.5406% | 1,320 |
| Return on Equity (ROE) | 26.4700% | 163 |
| Retained earnings to average equity (ytd only) | 13.3108% | 469 |
| Net charge-offs to loans | 0.0011% | 2,533 |
| Credit loss provision to net charge-offs | 29,225.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 3,672.2500% | 39 |
| Efficiency ratio | 54.5368% | 3,745 |
| Assets per employee ($millions) | 8.4651% | 1,105 |
| Cash dividends to net income (ytd only)* | 49.7197% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 2,899 |
| Loan loss allowance to noncurrent loans | 42.7902% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.0634% | 398 |
| Noncurrent loans to loans | 2.5687% | 179 |
| Net loans and leases to total assets | 40.9400% | 4,029 |
| Net loans and leases to deposits | 46.9831% | 4,010 |
| Net loans and leases to core deposits | 47.8193% | 4,065 |
| Total domestic deposits to total assets | 87.1500% | 2,346 |
| Equity capital to assets | 3.8215% | 4,539 |
| Core capital (leverage) ratio | 8.1858% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8515% | 1,400 |
| Memoranda: | ||
| Average total assets | $874,197,400 | 1,107 |
| Average earning assets | $814,953,600 | 1,089 |
| Average equity | $49,193,200 | 1,641 |
| Average total loans | $358,726,200 | 1,519 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2879% | 3,211 |
| Cost of funding earning assets | 0.3453% | 1,745 |
| Net interest margin | 2.9426% | 3,378 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.0717% | 3,292 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.6134% | 638 |
| Return on assets (ROA) | 1.6053% | 632 |
| Pretax return on assets | 1.6570% | 986 |
| Return on Equity (ROE) | 26.4400% | 150 |
| Retained earnings to average equity (ytd only) | 15.4509% | 326 |
| Net charge-offs to loans | 0.0007% | 2,306 |
| Credit loss provision to net charge-offs | 43,750.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 5,914.0000% | 18 |
| Efficiency ratio | 53.1254% | 3,906 |
| Assets per employee ($millions) | 8.5796% | 1,037 |
| Cash dividends to net income (ytd only)* | 41.5609% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,520 |
| Loan loss allowance to noncurrent loans | 99.1008% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 1,299 |
| Noncurrent loans to loans | 1.0013% | 778 |
| Net loans and leases to total assets | 41.4700% | 4,005 |
| Net loans and leases to deposits | 46.3166% | 4,012 |
| Net loans and leases to core deposits | 46.9212% | 4,064 |
| Total domestic deposits to total assets | 89.5300% | 1,857 |
| Equity capital to assets | 3.4708% | 4,548 |
| Core capital (leverage) ratio | 8.0929% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6128% | 1,531 |
| Memoranda: | ||
| Average total assets | $876,887,000 | 1,107 |
| Average earning assets | $817,794,750 | 1,092 |
| Average equity | $53,242,500 | 1,557 |
| Average total loans | $359,044,250 | 1,510 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9318% | 3,718 |
| Cost of funding earning assets | 0.2188% | 2,655 |
| Net interest margin | 2.7130% | 3,672 |
| Noninterest income to average assets | 1.1018% | 549 |
| Noninterest expense to average assets | 2.0140% | 3,395 |
| Loan and lease loss provision to assets | 0.0171% | 2,294 |
| Net operating income to assets | 1.5478% | 622 |
| Return on assets (ROA) | 1.5467% | 607 |
| Pretax return on assets | 1.6023% | 934 |
| Return on Equity (ROE) | 22.2984% | 187 |
| Retained earnings to average equity (ytd only) | 14.2577% | 334 |
| Net charge-offs to loans | -0.0006% | 2,990 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9856% | 3,871 |
| Assets per employee ($millions) | 8.7951% | 957 |
| Cash dividends to net income (ytd only)* | 36.0595% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 4,140 |
| Loan loss allowance to noncurrent loans | 81.0965% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 1,430 |
| Noncurrent loans to loans | 1.0117% | 824 |
| Net loans and leases to total assets | 38.6486% | 4,139 |
| Net loans and leases to deposits | 41.3252% | 4,214 |
| Net loans and leases to core deposits | 41.7647% | 4,267 |
| Total domestic deposits to total assets | 93.5230% | 386 |
| Equity capital to assets | 4.8898% | 4,499 |
| Core capital (leverage) ratio | 8.0957% | 4,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7877% | 1,487 |
| Memoranda: | ||
| Average total assets | $877,476,333 | 1,099 |
| Average earning assets | $819,164,000 | 1,097 |
| Average equity | $60,865,333 | 1,425 |
| Average total loans | $356,552,000 | 1,512 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5719% | 4,174 |
| Cost of funding earning assets | 0.2337% | 2,339 |
| Net interest margin | 2.3382% | 4,173 |
| Noninterest income to average assets | 1.2867% | 431 |
| Noninterest expense to average assets | 1.6423% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7824% | 342 |
| Return on assets (ROA) | 1.7787% | 342 |
| Pretax return on assets | 1.8526% | 489 |
| Return on Equity (ROE) | 29.2382% | 68 |
| Retained earnings to average equity (ytd only) | 16.8514% | 188 |
| Net charge-offs to loans | 0.0043% | 1,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,469.5000% | 49 |
| Efficiency ratio | 46.9399% | 4,457 |
| Assets per employee ($millions) | 8.9653% | 933 |
| Cash dividends to net income (ytd only)* | 42.3651% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,467 |
| Loan loss allowance to noncurrent loans | 75.3410% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 1,030 |
| Noncurrent loans to loans | 2.0283% | 356 |
| Net loans and leases to total assets | 27.9607% | 4,510 |
| Net loans and leases to deposits | 30.6444% | 4,533 |
| Net loans and leases to core deposits | 30.9010% | 4,561 |
| Total domestic deposits to total assets | 91.2425% | 915 |
| Equity capital to assets | 4.3963% | 4,760 |
| Core capital (leverage) ratio | 8.0341% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2445% | 871 |
| Memoranda: | ||
| Average total assets | $633,255,500 | 1,427 |
| Average earning assets | $599,086,000 | 1,413 |
| Average equity | $38,525,000 | 2,109 |
| Average total loans | $186,756,500 | 2,319 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8852% | 4,080 |
| Cost of funding earning assets | 0.2858% | 2,546 |
| Net interest margin | 2.5994% | 4,049 |
| Noninterest income to average assets | 1.2554% | 672 |
| Noninterest expense to average assets | 1.8230% | 4,100 |
| Loan and lease loss provision to assets | 0.1373% | 884 |
| Net operating income to assets | 1.6837% | 656 |
| Return on assets (ROA) | 1.6602% | 723 |
| Pretax return on assets | 1.7325% | 1,063 |
| Return on Equity (ROE) | 19.4954% | 340 |
| Retained earnings to average equity (ytd only) | 7.8751% | 1,591 |
| Net charge-offs to loans | 0.4575% | 181 |
| Credit loss provision to net charge-offs | 89.2377% | 1,887 |
| Earnings coverage of net charge-offs (x) | 12.3117% | 2,120 |
| Efficiency ratio | 49.0418% | 4,349 |
| Assets per employee ($millions) | 8.8729% | 959 |
| Cash dividends to net income (ytd only)* | 59.6052% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,792 |
| Loan loss allowance to noncurrent loans | 73.8051% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 1,108 |
| Noncurrent loans to loans | 1.9427% | 408 |
| Net loans and leases to total assets | 30.1611% | 4,499 |
| Net loans and leases to deposits | 34.7797% | 4,509 |
| Net loans and leases to core deposits | 35.1050% | 4,532 |
| Total domestic deposits to total assets | 86.7204% | 2,613 |
| Equity capital to assets | 7.7886% | 4,474 |
| Core capital (leverage) ratio | 8.0543% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5419% | 959 |
| Memoranda: | ||
| Average total assets | $579,744,200 | 1,493 |
| Average earning assets | $549,080,800 | 1,474 |
| Average equity | $49,370,600 | 1,789 |
| Average total loans | $194,954,800 | 2,267 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9270% | 4,123 |
| Cost of funding earning assets | 0.2942% | 2,648 |
| Net interest margin | 2.6328% | 4,086 |
| Noninterest income to average assets | 1.2652% | 732 |
| Noninterest expense to average assets | 1.8406% | 4,083 |
| Loan and lease loss provision to assets | 0.0284% | 2,432 |
| Net operating income to assets | 1.8120% | 651 |
| Return on assets (ROA) | 1.7800% | 728 |
| Pretax return on assets | 1.8578% | 1,030 |
| Return on Equity (ROE) | 20.4174% | 397 |
| Retained earnings to average equity (ytd only) | 9.1328% | 1,645 |
| Net charge-offs to loans | -0.0041% | 3,378 |
| Credit loss provision to net charge-offs | -2,016.6667% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9497% | 4,301 |
| Assets per employee ($millions) | 8.0660% | 1,241 |
| Cash dividends to net income (ytd only)* | 55.2694% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,585 |
| Loan loss allowance to noncurrent loans | 74.7310% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 1,120 |
| Noncurrent loans to loans | 2.0252% | 430 |
| Net loans and leases to total assets | 32.5658% | 4,523 |
| Net loans and leases to deposits | 38.4391% | 4,505 |
| Net loans and leases to core deposits | 38.9363% | 4,545 |
| Total domestic deposits to total assets | 84.7205% | 3,209 |
| Equity capital to assets | 8.3006% | 4,347 |
| Core capital (leverage) ratio | 8.3738% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1079% | 938 |
| Memoranda: | ||
| Average total assets | $567,186,750 | 1,535 |
| Average earning assets | $537,504,750 | 1,513 |
| Average equity | $49,446,750 | 1,798 |
| Average total loans | $195,500,750 | 2,300 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 4,208 |
| Cost of funding earning assets | 0.3023% | 2,757 |
| Net interest margin | 2.6088% | 4,150 |
| Noninterest income to average assets | 1.2740% | 715 |
| Noninterest expense to average assets | 1.9121% | 3,933 |
| Loan and lease loss provision to assets | 0.0147% | 2,658 |
| Net operating income to assets | 1.7431% | 807 |
| Return on assets (ROA) | 1.7438% | 855 |
| Pretax return on assets | 1.8159% | 1,195 |
| Return on Equity (ROE) | 19.6665% | 484 |
| Retained earnings to average equity (ytd only) | 8.7587% | 1,799 |
| Net charge-offs to loans | -0.0082% | 3,603 |
| Credit loss provision to net charge-offs | -512.5000% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0981% | 4,135 |
| Assets per employee ($millions) | 7.6038% | 1,416 |
| Cash dividends to net income (ytd only)* | 55.4641% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,683 |
| Loan loss allowance to noncurrent loans | 69.7435% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 1,124 |
| Noncurrent loans to loans | 2.1099% | 442 |
| Net loans and leases to total assets | 34.1539% | 4,536 |
| Net loans and leases to deposits | 40.9556% | 4,492 |
| Net loans and leases to core deposits | 41.6015% | 4,527 |
| Total domestic deposits to total assets | 83.3925% | 3,609 |
| Equity capital to assets | 8.8391% | 3,935 |
| Core capital (leverage) ratio | 8.5260% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5950% | 876 |
| Memoranda: | ||
| Average total assets | $557,287,667 | 1,553 |
| Average earning assets | $527,217,667 | 1,532 |
| Average equity | $49,414,000 | 1,784 |
| Average total loans | $194,878,667 | 2,313 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8634% | 4,299 |
| Cost of funding earning assets | 0.3059% | 2,928 |
| Net interest margin | 2.5575% | 4,225 |
| Noninterest income to average assets | 1.2738% | 775 |
| Noninterest expense to average assets | 1.8454% | 4,119 |
| Loan and lease loss provision to assets | 0.0298% | 2,394 |
| Net operating income to assets | 1.7463% | 871 |
| Return on assets (ROA) | 1.7212% | 955 |
| Pretax return on assets | 1.7894% | 1,309 |
| Return on Equity (ROE) | 19.3798% | 581 |
| Retained earnings to average equity (ytd only) | 8.4306% | 2,116 |
| Net charge-offs to loans | -0.0021% | 3,144 |
| Credit loss provision to net charge-offs | -4,100.0000% | 3,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 4,181 |
| Assets per employee ($millions) | 7.3894% | 1,523 |
| Cash dividends to net income (ytd only)* | 56.4979% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,706 |
| Loan loss allowance to noncurrent loans | 70.8323% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 1,034 |
| Noncurrent loans to loans | 2.0734% | 506 |
| Net loans and leases to total assets | 35.1310% | 4,543 |
| Net loans and leases to deposits | 42.3527% | 4,480 |
| Net loans and leases to core deposits | 42.9905% | 4,529 |
| Total domestic deposits to total assets | 82.9488% | 3,699 |
| Equity capital to assets | 8.4226% | 4,180 |
| Core capital (leverage) ratio | 8.6256% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9810% | 928 |
| Memoranda: | ||
| Average total assets | $550,789,500 | 1,558 |
| Average earning assets | $520,500,500 | 1,537 |
| Average equity | $48,917,000 | 1,793 |
| Average total loans | $193,476,500 | 2,327 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2316% | 4,417 |
| Cost of funding earning assets | 0.3787% | 3,719 |
| Net interest margin | 2.8529% | 4,186 |
| Noninterest income to average assets | 1.3123% | 671 |
| Noninterest expense to average assets | 1.9553% | 4,222 |
| Loan and lease loss provision to assets | 0.0957% | 3,148 |
| Net operating income to assets | 1.8641% | 343 |
| Return on assets (ROA) | 1.9952% | 283 |
| Pretax return on assets | 2.0872% | 370 |
| Return on Equity (ROE) | 21.5731% | 170 |
| Retained earnings to average equity (ytd only) | 8.7783% | 829 |
| Net charge-offs to loans | 0.0075% | 3,064 |
| Credit loss provision to net charge-offs | 3,550.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 759.0714% | 154 |
| Efficiency ratio | 48.8619% | 4,590 |
| Assets per employee ($millions) | 7.6024% | 1,221 |
| Cash dividends to net income (ytd only)* | 59.3089% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 1,545 |
| Loan loss allowance to noncurrent loans | 64.9410% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.9242% | 1,063 |
| Noncurrent loans to loans | 2.3258% | 452 |
| Net loans and leases to total assets | 34.0705% | 4,643 |
| Net loans and leases to deposits | 41.5032% | 4,617 |
| Net loans and leases to core deposits | 42.1305% | 4,648 |
| Total domestic deposits to total assets | 82.0913% | 3,643 |
| Equity capital to assets | 9.3456% | 3,746 |
| Core capital (leverage) ratio | 8.5549% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2354% | 1,011 |
| Memoranda: | ||
| Average total assets | $519,302,200 | 1,492 |
| Average earning assets | $489,537,200 | 1,477 |
| Average equity | $48,027,400 | 1,754 |
| Average total loans | $186,884,400 | 2,356 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2387% | 4,546 |
| Cost of funding earning assets | 0.3944% | 3,838 |
| Net interest margin | 2.8443% | 4,273 |
| Noninterest income to average assets | 1.3333% | 614 |
| Noninterest expense to average assets | 1.9712% | 4,210 |
| Loan and lease loss provision to assets | 0.1187% | 2,839 |
| Net operating income to assets | 1.8404% | 413 |
| Return on assets (ROA) | 1.9015% | 406 |
| Pretax return on assets | 1.9915% | 526 |
| Return on Equity (ROE) | 20.6180% | 221 |
| Retained earnings to average equity (ytd only) | 7.0128% | 1,684 |
| Net charge-offs to loans | 0.0093% | 2,774 |
| Credit loss provision to net charge-offs | 3,507.6923% | 302 |
| Earnings coverage of net charge-offs (x) | 604.6923% | 201 |
| Efficiency ratio | 49.0703% | 4,550 |
| Assets per employee ($millions) | 7.7934% | 1,078 |
| Cash dividends to net income (ytd only)* | 65.9869% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4465% | 1,551 |
| Loan loss allowance to noncurrent loans | 52.8684% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 997 |
| Noncurrent loans to loans | 2.7360% | 361 |
| Net loans and leases to total assets | 34.2418% | 4,732 |
| Net loans and leases to deposits | 43.5887% | 4,673 |
| Net loans and leases to core deposits | 44.2947% | 4,703 |
| Total domestic deposits to total assets | 78.5566% | 4,122 |
| Equity capital to assets | 8.8431% | 4,223 |
| Core capital (leverage) ratio | 8.7449% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0945% | 1,040 |
| Memoranda: | ||
| Average total assets | $512,285,000 | 1,492 |
| Average earning assets | $483,393,750 | 1,470 |
| Average equity | $47,245,500 | 1,771 |
| Average total loans | $186,267,500 | 2,364 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 4,526 |
| Cost of funding earning assets | 0.4192% | 3,952 |
| Net interest margin | 2.9943% | 4,136 |
| Noninterest income to average assets | 1.3746% | 548 |
| Noninterest expense to average assets | 2.0048% | 4,223 |
| Loan and lease loss provision to assets | 0.1814% | 2,206 |
| Net operating income to assets | 1.9257% | 387 |
| Return on assets (ROA) | 2.0213% | 351 |
| Pretax return on assets | 2.1105% | 429 |
| Return on Equity (ROE) | 21.5828% | 180 |
| Retained earnings to average equity (ytd only) | 6.3676% | 1,914 |
| Net charge-offs to loans | 0.0131% | 2,496 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 453.0833% | 221 |
| Efficiency ratio | 47.7664% | 4,645 |
| Assets per employee ($millions) | 7.3077% | 1,274 |
| Cash dividends to net income (ytd only)* | 70.4967% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,508 |
| Loan loss allowance to noncurrent loans | 51.5473% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 913 |
| Noncurrent loans to loans | 2.7609% | 387 |
| Net loans and leases to total assets | 38.1164% | 4,665 |
| Net loans and leases to deposits | 48.4564% | 4,582 |
| Net loans and leases to core deposits | 49.2623% | 4,638 |
| Total domestic deposits to total assets | 78.6612% | 4,083 |
| Equity capital to assets | 9.5174% | 3,649 |
| Core capital (leverage) ratio | 8.8759% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0974% | 1,037 |
| Memoranda: | ||
| Average total assets | $496,005,333 | 1,509 |
| Average earning assets | $467,556,667 | 1,490 |
| Average equity | $46,453,667 | 1,781 |
| Average total loans | $183,370,333 | 2,372 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6065% | 4,513 |
| Cost of funding earning assets | 0.4469% | 4,165 |
| Net interest margin | 3.1596% | 3,960 |
| Noninterest income to average assets | 1.4042% | 451 |
| Noninterest expense to average assets | 2.0056% | 4,380 |
| Loan and lease loss provision to assets | 0.1024% | 2,403 |
| Net operating income to assets | 2.1694% | 194 |
| Return on assets (ROA) | 2.1694% | 212 |
| Pretax return on assets | 2.2677% | 255 |
| Return on Equity (ROE) | 23.3623% | 91 |
| Retained earnings to average equity (ytd only) | 4.6231% | 2,447 |
| Net charge-offs to loans | 0.0295% | 1,789 |
| Credit loss provision to net charge-offs | 961.5385% | 594 |
| Earnings coverage of net charge-offs (x) | 222.5385% | 312 |
| Efficiency ratio | 45.8341% | 4,836 |
| Assets per employee ($millions) | 6.8076% | 1,178 |
| Cash dividends to net income (ytd only)* | 80.2115% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 1,703 |
| Loan loss allowance to noncurrent loans | 45.8211% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.2323% | 987 |
| Noncurrent loans to loans | 3.0555% | 346 |
| Net loans and leases to total assets | 35.2726% | 4,807 |
| Net loans and leases to deposits | 45.4487% | 4,733 |
| Net loans and leases to core deposits | 46.2338% | 4,770 |
| Total domestic deposits to total assets | 77.6098% | 4,279 |
| Equity capital to assets | 9.2917% | 4,400 |
| Core capital (leverage) ratio | 8.7305% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0753% | 1,138 |
| Memoranda: | ||
| Average total assets | $488,239,000 | 1,494 |
| Average earning assets | $459,176,000 | 1,470 |
| Average equity | $45,338,000 | 1,805 |
| Average total loans | $176,158,000 | 2,401 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 4,549 |
| Cost of funding earning assets | 0.5319% | 3,964 |
| Net interest margin | 3.2813% | 4,022 |
| Noninterest income to average assets | 1.4315% | 460 |
| Noninterest expense to average assets | 2.0665% | 4,410 |
| Loan and lease loss provision to assets | 0.0384% | 3,247 |
| Net operating income to assets | 2.2969% | 188 |
| Return on assets (ROA) | 2.2410% | 219 |
| Pretax return on assets | 2.3522% | 273 |
| Return on Equity (ROE) | 25.3043% | 70 |
| Retained earnings to average equity (ytd only) | 4.1331% | 2,897 |
| Net charge-offs to loans | -0.0084% | 4,422 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7607% | 4,922 |
| Assets per employee ($millions) | 6.7538% | 1,149 |
| Cash dividends to net income (ytd only)* | 83.6665% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 1,663 |
| Loan loss allowance to noncurrent loans | 155.6647% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 2,555 |
| Noncurrent loans to loans | 0.8749% | 1,751 |
| Net loans and leases to total assets | 35.9026% | 4,842 |
| Net loans and leases to deposits | 43.4913% | 4,837 |
| Net loans and leases to core deposits | 44.1862% | 4,870 |
| Total domestic deposits to total assets | 82.5511% | 3,347 |
| Equity capital to assets | 9.2801% | 4,505 |
| Core capital (leverage) ratio | 8.7689% | 4,686 |
| Tier 1 risk-based capital ratio | 17.3232% | 1,956 |
| Total risk-based capital ratio | 18.3527% | 1,953 |
| Memoranda: | ||
| Average total assets | $468,805,000 | 1,499 |
| Average earning assets | $440,685,000 | 1,480 |
| Average equity | $41,518,600 | 1,869 |
| Average total loans | $166,971,400 | 2,445 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,635 |
| Cost of funding earning assets | 0.5637% | 3,848 |
| Net interest margin | 3.2669% | 4,150 |
| Noninterest income to average assets | 1.4245% | 451 |
| Noninterest expense to average assets | 2.0457% | 4,461 |
| Loan and lease loss provision to assets | 0.0443% | 3,023 |
| Net operating income to assets | 2.2873% | 226 |
| Return on assets (ROA) | 2.2245% | 270 |
| Pretax return on assets | 2.3398% | 342 |
| Return on Equity (ROE) | 25.4311% | 82 |
| Retained earnings to average equity (ytd only) | 4.8070% | 2,985 |
| Net charge-offs to loans | -0.0065% | 4,269 |
| Credit loss provision to net charge-offs | -1,937.5000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5020% | 4,958 |
| Assets per employee ($millions) | 6.8851% | 1,075 |
| Cash dividends to net income (ytd only)* | 81.0981% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,760 |
| Loan loss allowance to noncurrent loans | 155.2614% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.4637% | 2,672 |
| Noncurrent loans to loans | 0.8708% | 1,840 |
| Net loans and leases to total assets | 36.0286% | 4,939 |
| Net loans and leases to deposits | 43.6306% | 4,919 |
| Net loans and leases to core deposits | 44.2962% | 4,955 |
| Total domestic deposits to total assets | 82.5764% | 3,291 |
| Equity capital to assets | 9.3274% | 4,580 |
| Core capital (leverage) ratio | 8.7091% | 4,831 |
| Tier 1 risk-based capital ratio | 17.3865% | 1,971 |
| Total risk-based capital ratio | 18.4129% | 1,989 |
| Memoranda: | ||
| Average total assets | $466,126,250 | 1,514 |
| Average earning assets | $438,247,500 | 1,497 |
| Average equity | $40,773,250 | 1,905 |
| Average total loans | $165,080,000 | 2,481 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,705 |
| Cost of funding earning assets | 0.6014% | 3,644 |
| Net interest margin | 3.2060% | 4,361 |
| Noninterest income to average assets | 1.4199% | 435 |
| Noninterest expense to average assets | 2.0292% | 4,554 |
| Loan and lease loss provision to assets | 0.0488% | 2,843 |
| Net operating income to assets | 2.2370% | 247 |
| Return on assets (ROA) | 2.1907% | 287 |
| Pretax return on assets | 2.3090% | 356 |
| Return on Equity (ROE) | 25.6253% | 85 |
| Retained earnings to average equity (ytd only) | 3.0459% | 3,698 |
| Net charge-offs to loans | -0.0074% | 4,235 |
| Credit loss provision to net charge-offs | -1,883.3333% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7457% | 4,999 |
| Assets per employee ($millions) | 6.9164% | 1,045 |
| Cash dividends to net income (ytd only)* | 88.1135% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 1,892 |
| Loan loss allowance to noncurrent loans | 116.6751% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,316 |
| Noncurrent loans to loans | 1.1384% | 1,428 |
| Net loans and leases to total assets | 36.3610% | 4,961 |
| Net loans and leases to deposits | 42.9199% | 4,977 |
| Net loans and leases to core deposits | 43.5609% | 5,005 |
| Total domestic deposits to total assets | 84.7182% | 2,591 |
| Equity capital to assets | 9.0147% | 4,787 |
| Core capital (leverage) ratio | 8.7107% | 4,834 |
| Tier 1 risk-based capital ratio | 17.1549% | 2,040 |
| Total risk-based capital ratio | 18.1706% | 2,051 |
| Memoranda: | ||
| Average total assets | $463,143,330 | 1,527 |
| Average earning assets | $435,677,330 | 1,508 |
| Average equity | $39,593,670 | 1,954 |
| Average total loans | $162,270,330 | 2,511 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,725 |
| Cost of funding earning assets | 0.6082% | 3,523 |
| Net interest margin | 3.1792% | 4,431 |
| Noninterest income to average assets | 1.4492% | 408 |
| Noninterest expense to average assets | 2.0663% | 4,519 |
| Loan and lease loss provision to assets | 0.0357% | 2,911 |
| Net operating income to assets | 2.1891% | 279 |
| Return on assets (ROA) | 2.1891% | 289 |
| Pretax return on assets | 2.3318% | 337 |
| Return on Equity (ROE) | 26.3406% | 85 |
| Retained earnings to average equity (ytd only) | 3.2049% | 3,651 |
| Net charge-offs to loans | -0.0077% | 4,130 |
| Credit loss provision to net charge-offs | -1,366.6667% | 3,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6038% | 5,002 |
| Assets per employee ($millions) | 6.9056% | 1,041 |
| Cash dividends to net income (ytd only)* | 87.8330% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 1,718 |
| Loan loss allowance to noncurrent loans | 114.2637% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,391 |
| Noncurrent loans to loans | 1.2154% | 1,353 |
| Net loans and leases to total assets | 33.6747% | 5,079 |
| Net loans and leases to deposits | 39.0879% | 5,092 |
| Net loans and leases to core deposits | 39.6348% | 5,115 |
| Total domestic deposits to total assets | 86.1513% | 2,207 |
| Equity capital to assets | 8.5608% | 4,952 |
| Core capital (leverage) ratio | 8.7268% | 4,845 |
| Tier 1 risk-based capital ratio | 17.6740% | 1,887 |
| Total risk-based capital ratio | 18.6954% | 1,900 |
| Memoranda: | ||
| Average total assets | $459,559,000 | 1,547 |
| Average earning assets | $431,426,000 | 1,533 |
| Average equity | $38,192,000 | 2,007 |
| Average total loans | $156,749,500 | 2,613 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 4,944 |
| Cost of funding earning assets | 0.3987% | 3,995 |
| Net interest margin | 3.0770% | 4,681 |
| Noninterest income to average assets | 1.5841% | 379 |
| Noninterest expense to average assets | 2.0145% | 4,726 |
| Loan and lease loss provision to assets | 0.0310% | 3,567 |
| Net operating income to assets | 2.3415% | 201 |
| Return on assets (ROA) | 2.2477% | 228 |
| Pretax return on assets | 2.3338% | 282 |
| Return on Equity (ROE) | 27.3531% | 59 |
| Retained earnings to average equity (ytd only) | 1.5234% | 4,522 |
| Net charge-offs to loans | -0.0282% | 4,795 |
| Credit loss provision to net charge-offs | -326.1905% | 4,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9980% | 5,151 |
| Assets per employee ($millions) | 6.9160% | 1,009 |
| Cash dividends to net income (ytd only)* | 94.4305% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 1,540 |
| Loan loss allowance to noncurrent loans | 111.8913% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 2,270 |
| Noncurrent loans to loans | 1.2740% | 1,248 |
| Net loans and leases to total assets | 33.5810% | 5,129 |
| Net loans and leases to deposits | 38.0309% | 5,152 |
| Net loans and leases to core deposits | 38.5049% | 5,181 |
| Total domestic deposits to total assets | 88.2993% | 1,158 |
| Equity capital to assets | 8.0492% | 5,145 |
| Core capital (leverage) ratio | 8.9688% | 4,679 |
| Tier 1 risk-based capital ratio | 18.0509% | 1,744 |
| Total risk-based capital ratio | 19.0823% | 1,760 |
| Memoranda: | ||
| Average total assets | $442,534,000 | 1,556 |
| Average earning assets | $416,057,800 | 1,537 |
| Average equity | $36,365,200 | 2,015 |
| Average total loans | $148,757,600 | 2,657 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4254% | 5,006 |
| Cost of funding earning assets | 0.3438% | 4,226 |
| Net interest margin | 3.0816% | 4,739 |
| Noninterest income to average assets | 1.5708% | 393 |
| Noninterest expense to average assets | 2.0027% | 4,738 |
| Loan and lease loss provision to assets | 0.0290% | 3,432 |
| Net operating income to assets | 2.3555% | 200 |
| Return on assets (ROA) | 2.2329% | 254 |
| Pretax return on assets | 2.3149% | 331 |
| Return on Equity (ROE) | 27.0318% | 57 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,033 |
| Net charge-offs to loans | -0.0144% | 4,499 |
| Credit loss provision to net charge-offs | -600.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7607% | 5,197 |
| Assets per employee ($millions) | 6.3446% | 1,261 |
| Cash dividends to net income (ytd only)* | 100.0000% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 1,782 |
| Loan loss allowance to noncurrent loans | 103.3708% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 2,306 |
| Noncurrent loans to loans | 1.3355% | 1,248 |
| Net loans and leases to total assets | 34.5288% | 5,186 |
| Net loans and leases to deposits | 41.7222% | 5,162 |
| Net loans and leases to core deposits | 42.2897% | 5,194 |
| Total domestic deposits to total assets | 82.7588% | 3,385 |
| Equity capital to assets | 7.6283% | 5,282 |
| Core capital (leverage) ratio | 8.8728% | 4,829 |
| Tier 1 risk-based capital ratio | 17.9577% | 1,802 |
| Total risk-based capital ratio | 18.9677% | 1,823 |
| Memoranda: | ||
| Average total assets | $440,783,250 | 1,571 |
| Average earning assets | $415,321,000 | 1,550 |
| Average equity | $36,410,500 | 2,011 |
| Average total loans | $147,661,500 | 2,686 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3885% | 5,053 |
| Cost of funding earning assets | 0.2921% | 4,472 |
| Net interest margin | 3.0964% | 4,735 |
| Noninterest income to average assets | 1.6125% | 382 |
| Noninterest expense to average assets | 1.9571% | 4,866 |
| Loan and lease loss provision to assets | 0.0290% | 3,328 |
| Net operating income to assets | 2.4433% | 165 |
| Return on assets (ROA) | 2.2712% | 218 |
| Pretax return on assets | 2.3699% | 287 |
| Return on Equity (ROE) | 26.8176% | 56 |
| Retained earnings to average equity (ytd only) | 3.9449% | 3,632 |
| Net charge-offs to loans | -0.0151% | 4,462 |
| Credit loss provision to net charge-offs | -581.8182% | 4,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1523% | 5,306 |
| Assets per employee ($millions) | 6.5056% | 1,176 |
| Cash dividends to net income (ytd only)* | 85.2900% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3975% | 1,755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 4,169 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 33.1591% | 5,263 |
| Net loans and leases to deposits | 39.1052% | 5,268 |
| Net loans and leases to core deposits | 39.6444% | 5,290 |
| Total domestic deposits to total assets | 84.7947% | 2,752 |
| Equity capital to assets | 8.1964% | 5,136 |
| Core capital (leverage) ratio | 8.9697% | 4,715 |
| Tier 1 risk-based capital ratio | 18.9200% | 1,565 |
| Total risk-based capital ratio | 19.9473% | 1,589 |
| Memoranda: | ||
| Average total assets | $441,785,330 | 1,577 |
| Average earning assets | $416,995,670 | 1,550 |
| Average equity | $37,415,670 | 1,972 |
| Average total loans | $145,790,330 | 2,719 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3116% | 5,126 |
| Cost of funding earning assets | 0.2464% | 4,734 |
| Net interest margin | 3.0652% | 4,771 |
| Noninterest income to average assets | 1.6390% | 366 |
| Noninterest expense to average assets | 1.9869% | 4,878 |
| Loan and lease loss provision to assets | 0.0290% | 3,133 |
| Net operating income to assets | 2.4139% | 169 |
| Return on assets (ROA) | 2.3774% | 183 |
| Pretax return on assets | 2.4816% | 221 |
| Return on Equity (ROE) | 27.6254% | 61 |
| Retained earnings to average equity (ytd only) | 11.8861% | 700 |
| Net charge-offs to loans | -0.0166% | 4,460 |
| Credit loss provision to net charge-offs | -533.3333% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8074% | 5,352 |
| Assets per employee ($millions) | 6.5698% | 1,168 |
| Cash dividends to net income (ytd only)* | 56.9741% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,275 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.0312% | 5,325 |
| Net loans and leases to deposits | 36.3108% | 5,355 |
| Net loans and leases to core deposits | 36.7864% | 5,381 |
| Total domestic deposits to total assets | 88.2139% | 1,498 |
| Equity capital to assets | 8.2902% | 5,112 |
| Core capital (leverage) ratio | 9.1328% | 4,528 |
| Tier 1 risk-based capital ratio | 19.8618% | 1,368 |
| Total risk-based capital ratio | 20.9118% | 1,371 |
| Memoranda: | ||
| Average total assets | $441,488,500 | 1,589 |
| Average earning assets | $417,204,500 | 1,563 |
| Average equity | $37,994,000 | 1,953 |
| Average total loans | $144,301,500 | 2,756 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1942% | 5,195 |
| Cost of funding earning assets | 0.2182% | 4,802 |
| Net interest margin | 2.9759% | 4,933 |
| Noninterest income to average assets | 1.6199% | 398 |
| Noninterest expense to average assets | 2.0226% | 4,925 |
| Loan and lease loss provision to assets | 0.0286% | 3,698 |
| Net operating income to assets | 2.2754% | 171 |
| Return on assets (ROA) | 2.2211% | 188 |
| Pretax return on assets | 2.3175% | 258 |
| Return on Equity (ROE) | 25.5909% | 60 |
| Retained earnings to average equity (ytd only) | 9.5375% | 417 |
| Net charge-offs to loans | 0.0251% | 3,307 |
| Credit loss provision to net charge-offs | 358.8235% | 820 |
| Earnings coverage of net charge-offs (x) | 301.2647% | 290 |
| Efficiency ratio | 45.7066% | 5,403 |
| Assets per employee ($millions) | 6.3222% | 1,303 |
| Cash dividends to net income (ytd only)* | 62.7310% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,784 |
| Loan loss allowance to noncurrent loans | 1,421.2766% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 4,150 |
| Noncurrent loans to loans | 0.0983% | 4,551 |
| Net loans and leases to total assets | 32.4275% | 5,383 |
| Net loans and leases to deposits | 36.2108% | 5,425 |
| Net loans and leases to core deposits | 36.6884% | 5,446 |
| Total domestic deposits to total assets | 89.5521% | 748 |
| Equity capital to assets | 8.9292% | 4,787 |
| Core capital (leverage) ratio | 9.2228% | 4,371 |
| Tier 1 risk-based capital ratio | 19.5912% | 1,398 |
| Total risk-based capital ratio | 20.6377% | 1,411 |
| Memoranda: | ||
| Average total assets | $426,323,800 | 1,617 |
| Average earning assets | $401,889,200 | 1,593 |
| Average equity | $37,001,400 | 1,980 |
| Average total loans | $135,695,400 | 2,837 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1877% | 5,247 |
| Cost of funding earning assets | 0.2203% | 4,810 |
| Net interest margin | 2.9674% | 4,995 |
| Noninterest income to average assets | 1.6288% | 415 |
| Noninterest expense to average assets | 1.9915% | 4,973 |
| Loan and lease loss provision to assets | 0.0286% | 3,555 |
| Net operating income to assets | 2.3049% | 177 |
| Return on assets (ROA) | 2.2234% | 207 |
| Pretax return on assets | 2.3203% | 289 |
| Return on Equity (ROE) | 25.8088% | 62 |
| Retained earnings to average equity (ytd only) | 9.8371% | 620 |
| Net charge-offs to loans | 0.0289% | 2,852 |
| Credit loss provision to net charge-offs | 313.7931% | 950 |
| Earnings coverage of net charge-offs (x) | 266.7634% | 335 |
| Efficiency ratio | 45.0028% | 5,449 |
| Assets per employee ($millions) | 5.9582% | 1,526 |
| Cash dividends to net income (ytd only)* | 61.8845% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,798 |
| Loan loss allowance to noncurrent loans | 1,402.8369% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 4,290 |
| Noncurrent loans to loans | 0.1015% | 4,657 |
| Net loans and leases to total assets | 31.9303% | 5,458 |
| Net loans and leases to deposits | 35.8042% | 5,498 |
| Net loans and leases to core deposits | 36.3157% | 5,519 |
| Total domestic deposits to total assets | 89.1804% | 788 |
| Equity capital to assets | 9.0219% | 4,895 |
| Core capital (leverage) ratio | 9.1342% | 4,590 |
| Tier 1 risk-based capital ratio | 19.9405% | 1,370 |
| Total risk-based capital ratio | 21.0152% | 1,380 |
| Memoranda: | ||
| Average total assets | $423,847,000 | 1,634 |
| Average earning assets | $399,441,750 | 1,611 |
| Average equity | $36,513,750 | 2,009 |
| Average total loans | $133,753,500 | 2,884 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1383% | 5,313 |
| Cost of funding earning assets | 0.2025% | 4,955 |
| Net interest margin | 2.9358% | 5,031 |
| Noninterest income to average assets | 1.6440% | 421 |
| Noninterest expense to average assets | 1.9544% | 5,072 |
| Loan and lease loss provision to assets | 0.0137% | 3,677 |
| Net operating income to assets | 2.3413% | 162 |
| Return on assets (ROA) | 2.2230% | 206 |
| Pretax return on assets | 2.3206% | 285 |
| Return on Equity (ROE) | 26.2240% | 65 |
| Retained earnings to average equity (ytd only) | 10.9434% | 446 |
| Net charge-offs to loans | 0.0454% | 2,301 |
| Credit loss provision to net charge-offs | 96.6667% | 2,080 |
| Earnings coverage of net charge-offs (x) | 172.9000% | 454 |
| Efficiency ratio | 44.2977% | 5,516 |
| Assets per employee ($millions) | 6.0559% | 1,415 |
| Cash dividends to net income (ytd only)* | 58.2694% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 1,959 |
| Loan loss allowance to noncurrent loans | 1,119.8830% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 4,325 |
| Noncurrent loans to loans | 0.1248% | 4,622 |
| Net loans and leases to total assets | 31.8750% | 5,501 |
| Net loans and leases to deposits | 37.4913% | 5,515 |
| Net loans and leases to core deposits | 38.0586% | 5,543 |
| Total domestic deposits to total assets | 85.0199% | 2,799 |
| Equity capital to assets | 9.0214% | 4,875 |
| Core capital (leverage) ratio | 8.9515% | 4,775 |
| Tier 1 risk-based capital ratio | 19.3866% | 1,500 |
| Total risk-based capital ratio | 20.4195% | 1,503 |
| Memoranda: | ||
| Average total assets | $422,132,670 | 1,642 |
| Average earning assets | $397,984,000 | 1,618 |
| Average equity | $35,784,000 | 2,036 |
| Average total loans | $132,019,330 | 2,912 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0581% | 5,405 |
| Cost of funding earning assets | 0.1874% | 5,092 |
| Net interest margin | 2.8707% | 5,137 |
| Noninterest income to average assets | 1.4737% | 497 |
| Noninterest expense to average assets | 1.9200% | 5,205 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1620% | 240 |
| Return on assets (ROA) | 2.1346% | 258 |
| Pretax return on assets | 2.2305% | 337 |
| Return on Equity (ROE) | 26.0227% | 76 |
| Retained earnings to average equity (ytd only) | 10.6151% | 672 |
| Net charge-offs to loans | 0.1174% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 62.6053% | 783 |
| Efficiency ratio | 45.9441% | 5,534 |
| Assets per employee ($millions) | 6.0631% | 1,455 |
| Cash dividends to net income (ytd only)* | 59.2082% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 1,924 |
| Loan loss allowance to noncurrent loans | 422.9730% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 4,113 |
| Noncurrent loans to loans | 0.3392% | 3,882 |
| Net loans and leases to total assets | 30.4016% | 5,573 |
| Net loans and leases to deposits | 34.1374% | 5,616 |
| Net loans and leases to core deposits | 34.6734% | 5,640 |
| Total domestic deposits to total assets | 89.0568% | 1,118 |
| Equity capital to assets | 8.3639% | 5,325 |
| Core capital (leverage) ratio | 8.7384% | 5,012 |
| Tier 1 risk-based capital ratio | 19.7386% | 1,441 |
| Total risk-based capital ratio | 20.8001% | 1,460 |
| Memoranda: | ||
| Average total assets | $421,241,500 | 1,658 |
| Average earning assets | $396,982,000 | 1,632 |
| Average equity | $34,554,500 | 2,107 |
| Average total loans | $129,510,000 | 2,967 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0469% | 5,464 |
| Cost of funding earning assets | 0.1859% | 5,148 |
| Net interest margin | 2.8609% | 5,196 |
| Noninterest income to average assets | 1.6305% | 460 |
| Noninterest expense to average assets | 2.0345% | 5,123 |
| Loan and lease loss provision to assets | 0.0141% | 4,103 |
| Net operating income to assets | 2.1545% | 244 |
| Return on assets (ROA) | 2.1057% | 271 |
| Pretax return on assets | 2.2186% | 313 |
| Return on Equity (ROE) | 24.0163% | 93 |
| Retained earnings to average equity (ytd only) | 8.4555% | 714 |
| Net charge-offs to loans | -0.0166% | 5,077 |
| Credit loss provision to net charge-offs | -271.4286% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9558% | 5,611 |
| Assets per employee ($millions) | 6.0589% | 1,436 |
| Cash dividends to net income (ytd only)* | 64.7929% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,685 |
| Loan loss allowance to noncurrent loans | 428.6353% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 4,027 |
| Noncurrent loans to loans | 0.3489% | 3,880 |
| Net loans and leases to total assets | 30.1857% | 5,641 |
| Net loans and leases to deposits | 33.6016% | 5,683 |
| Net loans and leases to core deposits | 34.0993% | 5,707 |
| Total domestic deposits to total assets | 89.8341% | 707 |
| Equity capital to assets | 8.0397% | 5,548 |
| Core capital (leverage) ratio | 8.9230% | 4,831 |
| Tier 1 risk-based capital ratio | 19.6616% | 1,443 |
| Total risk-based capital ratio | 20.7666% | 1,436 |
| Memoranda: | ||
| Average total assets | $404,670,200 | 1,661 |
| Average earning assets | $380,225,800 | 1,637 |
| Average equity | $35,480,000 | 2,054 |
| Average total loans | $126,244,000 | 2,976 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 5,483 |
| Cost of funding earning assets | 0.1868% | 5,208 |
| Net interest margin | 2.8982% | 5,191 |
| Noninterest income to average assets | 1.6312% | 463 |
| Noninterest expense to average assets | 2.0100% | 5,181 |
| Loan and lease loss provision to assets | 0.0096% | 4,047 |
| Net operating income to assets | 2.2078% | 243 |
| Return on assets (ROA) | 2.1419% | 285 |
| Pretax return on assets | 2.2641% | 334 |
| Return on Equity (ROE) | 23.9122% | 101 |
| Retained earnings to average equity (ytd only) | 8.8424% | 867 |
| Net charge-offs to loans | -0.0074% | 4,695 |
| Credit loss provision to net charge-offs | -414.2857% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9895% | 5,669 |
| Assets per employee ($millions) | 5.6896% | 1,673 |
| Cash dividends to net income (ytd only)* | 63.0215% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 1,973 |
| Loan loss allowance to noncurrent loans | 382.4490% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 4,017 |
| Noncurrent loans to loans | 0.3795% | 3,900 |
| Net loans and leases to total assets | 31.9483% | 5,681 |
| Net loans and leases to deposits | 36.9154% | 5,707 |
| Net loans and leases to core deposits | 37.5118% | 5,730 |
| Total domestic deposits to total assets | 86.5445% | 2,107 |
| Equity capital to assets | 9.3403% | 4,831 |
| Core capital (leverage) ratio | 8.9157% | 4,923 |
| Tier 1 risk-based capital ratio | 18.0007% | 1,921 |
| Total risk-based capital ratio | 19.0087% | 1,946 |
| Memoranda: | ||
| Average total assets | $401,321,500 | 1,680 |
| Average earning assets | $376,915,750 | 1,649 |
| Average equity | $35,947,250 | 2,037 |
| Average total loans | $125,777,000 | 2,989 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0631% | 5,580 |
| Cost of funding earning assets | 0.1810% | 5,308 |
| Net interest margin | 2.8821% | 5,297 |
| Noninterest income to average assets | 1.5977% | 479 |
| Noninterest expense to average assets | 2.0033% | 5,260 |
| Loan and lease loss provision to assets | 0.0144% | 3,820 |
| Net operating income to assets | 2.1487% | 247 |
| Return on assets (ROA) | 2.0828% | 307 |
| Pretax return on assets | 2.2165% | 370 |
| Return on Equity (ROE) | 23.5859% | 117 |
| Retained earnings to average equity (ytd only) | 8.8602% | 887 |
| Net charge-offs to loans | -0.0064% | 4,584 |
| Credit loss provision to net charge-offs | -725.0000% | 5,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3564% | 5,739 |
| Assets per employee ($millions) | 5.5989% | 1,703 |
| Cash dividends to net income (ytd only)* | 62.4344% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,874 |
| Loan loss allowance to noncurrent loans | 159.0986% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,416 |
| Noncurrent loans to loans | 0.9408% | 2,396 |
| Net loans and leases to total assets | 30.9744% | 5,764 |
| Net loans and leases to deposits | 35.3849% | 5,799 |
| Net loans and leases to core deposits | 35.9510% | 5,814 |
| Total domestic deposits to total assets | 87.5355% | 1,656 |
| Equity capital to assets | 9.4201% | 4,851 |
| Core capital (leverage) ratio | 8.7490% | 5,108 |
| Tier 1 risk-based capital ratio | 17.9029% | 1,957 |
| Total risk-based capital ratio | 18.9275% | 1,978 |
| Memoranda: | ||
| Average total assets | $402,337,000 | 1,679 |
| Average earning assets | $377,846,670 | 1,650 |
| Average equity | $35,529,670 | 2,059 |
| Average total loans | $124,664,000 | 3,014 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9073% | 5,775 |
| Cost of funding earning assets | 0.1750% | 5,418 |
| Net interest margin | 2.7323% | 5,567 |
| Noninterest income to average assets | 1.6178% | 452 |
| Noninterest expense to average assets | 1.9894% | 5,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0124% | 325 |
| Return on assets (ROA) | 1.9360% | 398 |
| Pretax return on assets | 2.1070% | 456 |
| Return on Equity (ROE) | 22.6664% | 140 |
| Retained earnings to average equity (ytd only) | 7.6017% | 1,620 |
| Net charge-offs to loans | -0.0064% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4107% | 5,750 |
| Assets per employee ($millions) | 5.8387% | 1,540 |
| Cash dividends to net income (ytd only)* | 66.4625% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5137% | 1,924 |
| Loan loss allowance to noncurrent loans | 282.2086% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 3,408 |
| Noncurrent loans to loans | 0.5364% | 3,578 |
| Net loans and leases to total assets | 30.1540% | 5,825 |
| Net loans and leases to deposits | 34.1840% | 5,865 |
| Net loans and leases to core deposits | 34.6809% | 5,881 |
| Total domestic deposits to total assets | 88.2107% | 1,526 |
| Equity capital to assets | 8.8329% | 5,317 |
| Core capital (leverage) ratio | 8.3379% | 5,531 |
| Tier 1 risk-based capital ratio | 18.0892% | 1,958 |
| Total risk-based capital ratio | 19.1363% | 1,981 |
| Memoranda: | ||
| Average total assets | $404,744,500 | 1,665 |
| Average earning assets | $379,459,000 | 1,648 |
| Average equity | $34,571,000 | 2,114 |
| Average total loans | $124,495,500 | 3,023 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8680% | 5,840 |
| Cost of funding earning assets | 0.1754% | 5,497 |
| Net interest margin | 2.6926% | 5,653 |
| Noninterest income to average assets | 1.8486% | 399 |
| Noninterest expense to average assets | 2.2208% | 5,004 |
| Loan and lease loss provision to assets | 0.0315% | 3,740 |
| Net operating income to assets | 2.0334% | 327 |
| Return on assets (ROA) | 2.0220% | 342 |
| Pretax return on assets | 2.1024% | 430 |
| Return on Equity (ROE) | 22.6239% | 148 |
| Retained earnings to average equity (ytd only) | 6.9927% | 1,283 |
| Net charge-offs to loans | -0.1015% | 5,778 |
| Credit loss provision to net charge-offs | -92.8571% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6559% | 5,728 |
| Assets per employee ($millions) | 5.7286% | 1,596 |
| Cash dividends to net income (ytd only)* | 69.0916% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 2,243 |
| Loan loss allowance to noncurrent loans | 322.4561% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 3,449 |
| Noncurrent loans to loans | 0.4473% | 3,868 |
| Net loans and leases to total assets | 30.4497% | 5,875 |
| Net loans and leases to deposits | 34.1003% | 5,930 |
| Net loans and leases to core deposits | 34.5464% | 5,955 |
| Total domestic deposits to total assets | 89.2947% | 971 |
| Equity capital to assets | 8.2609% | 5,732 |
| Core capital (leverage) ratio | 8.4675% | 5,458 |
| Tier 1 risk-based capital ratio | 17.1770% | 2,228 |
| Total risk-based capital ratio | 18.1903% | 2,252 |
| Memoranda: | ||
| Average total assets | $371,853,600 | 1,761 |
| Average earning assets | $347,731,000 | 1,746 |
| Average equity | $33,234,800 | 2,134 |
| Average total loans | $124,123,600 | 2,986 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9086% | 5,885 |
| Cost of funding earning assets | 0.1788% | 5,564 |
| Net interest margin | 2.7298% | 5,691 |
| Noninterest income to average assets | 1.8825% | 395 |
| Noninterest expense to average assets | 2.2500% | 4,907 |
| Loan and lease loss provision to assets | 0.0328% | 3,571 |
| Net operating income to assets | 2.0692% | 322 |
| Return on assets (ROA) | 2.0462% | 353 |
| Pretax return on assets | 2.1255% | 478 |
| Return on Equity (ROE) | 22.4106% | 181 |
| Retained earnings to average equity (ytd only) | 6.8794% | 1,744 |
| Net charge-offs to loans | -0.0108% | 5,013 |
| Credit loss provision to net charge-offs | -890.0000% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5655% | 5,745 |
| Assets per employee ($millions) | 4.9581% | 2,353 |
| Cash dividends to net income (ytd only)* | 69.3029% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,921 |
| Loan loss allowance to noncurrent loans | 288.5860% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 3,153 |
| Noncurrent loans to loans | 0.4631% | 3,969 |
| Net loans and leases to total assets | 35.5270% | 5,799 |
| Net loans and leases to deposits | 40.6705% | 5,845 |
| Net loans and leases to core deposits | 41.3080% | 5,877 |
| Total domestic deposits to total assets | 87.3533% | 1,869 |
| Equity capital to assets | 9.5532% | 4,686 |
| Core capital (leverage) ratio | 9.2392% | 4,678 |
| Tier 1 risk-based capital ratio | 17.3702% | 2,228 |
| Total risk-based capital ratio | 18.3375% | 2,294 |
| Memoranda: | ||
| Average total assets | $361,702,000 | 1,822 |
| Average earning assets | $337,839,500 | 1,810 |
| Average equity | $33,025,250 | 2,160 |
| Average total loans | $123,296,750 | 3,023 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8510% | 5,981 |
| Cost of funding earning assets | 0.1730% | 5,669 |
| Net interest margin | 2.6780% | 5,794 |
| Noninterest income to average assets | 1.9226% | 391 |
| Noninterest expense to average assets | 2.2525% | 4,967 |
| Loan and lease loss provision to assets | 0.0318% | 3,485 |
| Net operating income to assets | 2.0546% | 331 |
| Return on assets (ROA) | 2.0673% | 339 |
| Pretax return on assets | 2.1544% | 453 |
| Return on Equity (ROE) | 22.9834% | 161 |
| Retained earnings to average equity (ytd only) | 8.0369% | 1,250 |
| Net charge-offs to loans | -0.0065% | 4,808 |
| Credit loss provision to net charge-offs | -1,450.0000% | 5,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6997% | 5,815 |
| Assets per employee ($millions) | 4.5859% | 2,847 |
| Cash dividends to net income (ytd only)* | 65.0318% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 3,172 |
| Loan loss allowance to noncurrent loans | 221.5241% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 3,027 |
| Noncurrent loans to loans | 0.5930% | 3,684 |
| Net loans and leases to total assets | 35.7172% | 5,833 |
| Net loans and leases to deposits | 41.0374% | 5,875 |
| Net loans and leases to core deposits | 41.6881% | 5,910 |
| Total domestic deposits to total assets | 87.0357% | 2,149 |
| Equity capital to assets | 9.4360% | 4,728 |
| Core capital (leverage) ratio | 9.0348% | 4,914 |
| Tier 1 risk-based capital ratio | 17.3729% | 2,259 |
| Total risk-based capital ratio | 18.3322% | 2,318 |
| Memoranda: | ||
| Average total assets | $364,926,670 | 1,815 |
| Average earning assets | $341,075,670 | 1,799 |
| Average equity | $32,823,670 | 2,182 |
| Average total loans | $122,142,670 | 3,050 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7664% | 6,091 |
| Cost of funding earning assets | 0.1581% | 5,861 |
| Net interest margin | 2.6083% | 5,914 |
| Noninterest income to average assets | 1.8407% | 400 |
| Noninterest expense to average assets | 2.2523% | 4,995 |
| Loan and lease loss provision to assets | 0.0311% | 3,272 |
| Net operating income to assets | 1.9197% | 391 |
| Return on assets (ROA) | 1.9382% | 402 |
| Pretax return on assets | 2.0175% | 567 |
| Return on Equity (ROE) | 22.0542% | 183 |
| Retained earnings to average equity (ytd only) | 7.2335% | 1,900 |
| Net charge-offs to loans | -0.0033% | 4,415 |
| Credit loss provision to net charge-offs | -2,900.0000% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4036% | 5,786 |
| Assets per employee ($millions) | 4.9567% | 2,411 |
| Cash dividends to net income (ytd only)* | 67.2013% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,179 |
| Loan loss allowance to noncurrent loans | 222.2982% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 3,240 |
| Noncurrent loans to loans | 0.6037% | 3,765 |
| Net loans and leases to total assets | 32.5688% | 5,980 |
| Net loans and leases to deposits | 37.2424% | 6,015 |
| Net loans and leases to core deposits | 37.7692% | 6,046 |
| Total domestic deposits to total assets | 87.4509% | 2,139 |
| Equity capital to assets | 9.0235% | 5,257 |
| Core capital (leverage) ratio | 8.4329% | 5,595 |
| Tier 1 risk-based capital ratio | 17.1572% | 2,422 |
| Total risk-based capital ratio | 18.1093% | 2,485 |
| Memoranda: | ||
| Average total assets | $373,126,500 | 1,791 |
| Average earning assets | $349,196,000 | 1,761 |
| Average equity | $32,792,000 | 2,192 |
| Average total loans | $120,143,500 | 3,096 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0281% | 6,031 |
| Cost of funding earning assets | 0.1923% | 5,816 |
| Net interest margin | 2.8358% | 5,757 |
| Noninterest income to average assets | 2.1530% | 304 |
| Noninterest expense to average assets | 2.4908% | 4,580 |
| Loan and lease loss provision to assets | 0.0101% | 4,424 |
| Net operating income to assets | 2.1630% | 240 |
| Return on assets (ROA) | 1.9991% | 340 |
| Pretax return on assets | 2.0855% | 425 |
| Return on Equity (ROE) | 22.3371% | 166 |
| Retained earnings to average equity (ytd only) | 7.4005% | 1,230 |
| Net charge-offs to loans | 0.1119% | 2,915 |
| Credit loss provision to net charge-offs | 26.5625% | 3,892 |
| Earnings coverage of net charge-offs (x) | 59.8516% | 796 |
| Efficiency ratio | 52.1547% | 5,971 |
| Assets per employee ($millions) | 4.8648% | 2,514 |
| Cash dividends to net income (ytd only)* | 66.8689% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 3,242 |
| Loan loss allowance to noncurrent loans | 210.9788% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 3,708 |
| Noncurrent loans to loans | 0.6342% | 3,782 |
| Net loans and leases to total assets | 30.9932% | 6,147 |
| Net loans and leases to deposits | 34.7931% | 6,202 |
| Net loans and leases to core deposits | 35.0286% | 6,221 |
| Total domestic deposits to total assets | 89.0785% | 1,193 |
| Equity capital to assets | 8.5612% | 5,682 |
| Core capital (leverage) ratio | 8.6046% | 5,442 |
| Tier 1 risk-based capital ratio | 18.4233% | 2,009 |
| Total risk-based capital ratio | 19.4476% | 2,039 |
| Memoranda: | ||
| Average total assets | $338,044,000 | 1,924 |
| Average earning assets | $310,425,400 | 1,931 |
| Average equity | $30,254,600 | 2,254 |
| Average total loans | $114,419,200 | 3,134 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1222% | 6,000 |
| Cost of funding earning assets | 0.2058% | 5,774 |
| Net interest margin | 2.9164% | 5,668 |
| Noninterest income to average assets | 2.1910% | 299 |
| Noninterest expense to average assets | 2.5654% | 4,304 |
| Loan and lease loss provision to assets | 0.0020% | 4,366 |
| Net operating income to assets | 2.1930% | 240 |
| Return on assets (ROA) | 1.9664% | 376 |
| Pretax return on assets | 2.0511% | 510 |
| Return on Equity (ROE) | 21.6988% | 201 |
| Retained earnings to average equity (ytd only) | 7.0354% | 1,804 |
| Net charge-offs to loans | 0.1625% | 2,176 |
| Credit loss provision to net charge-offs | 3.6232% | 3,770 |
| Earnings coverage of net charge-offs (x) | 40.7671% | 1,116 |
| Efficiency ratio | 52.6444% | 5,950 |
| Assets per employee ($millions) | 4.4024% | 3,127 |
| Cash dividends to net income (ytd only)* | 67.5771% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3261% | 3,517 |
| Loan loss allowance to noncurrent loans | 200.7742% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0929% | 2,775 |
| Noncurrent loans to loans | 0.6605% | 3,963 |
| Net loans and leases to total assets | 33.7180% | 6,125 |
| Net loans and leases to deposits | 38.2974% | 6,174 |
| Net loans and leases to core deposits | 38.7833% | 6,215 |
| Total domestic deposits to total assets | 88.0426% | 1,740 |
| Equity capital to assets | 9.2057% | 5,141 |
| Core capital (leverage) ratio | 9.1899% | 4,805 |
| Tier 1 risk-based capital ratio | 18.4310% | 2,075 |
| Total risk-based capital ratio | 19.4550% | 2,108 |
| Memoranda: | ||
| Average total assets | $327,691,500 | 1,992 |
| Average earning assets | $299,270,000 | 2,014 |
| Average equity | $29,696,750 | 2,299 |
| Average total loans | $113,224,000 | 3,176 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 6,021 |
| Cost of funding earning assets | 0.2125% | 5,809 |
| Net interest margin | 2.9218% | 5,697 |
| Noninterest income to average assets | 2.1987% | 298 |
| Noninterest expense to average assets | 2.5969% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.1626% | 245 |
| Return on assets (ROA) | 1.8154% | 489 |
| Pretax return on assets | 1.8929% | 695 |
| Return on Equity (ROE) | 20.1455% | 285 |
| Retained earnings to average equity (ytd only) | 5.8227% | 2,435 |
| Net charge-offs to loans | 0.1877% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 34.6190% | 1,161 |
| Efficiency ratio | 53.3240% | 5,971 |
| Assets per employee ($millions) | 4.3119% | 3,252 |
| Cash dividends to net income (ytd only)* | 71.0967% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 3,327 |
| Loan loss allowance to noncurrent loans | 129.9426% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 2,535 |
| Noncurrent loans to loans | 1.0812% | 3,066 |
| Net loans and leases to total assets | 33.0529% | 6,198 |
| Net loans and leases to deposits | 37.4427% | 6,245 |
| Net loans and leases to core deposits | 37.9581% | 6,275 |
| Total domestic deposits to total assets | 88.2757% | 1,750 |
| Equity capital to assets | 9.0974% | 5,208 |
| Core capital (leverage) ratio | 8.9259% | 5,124 |
| Tier 1 risk-based capital ratio | 18.7152% | 1,998 |
| Total risk-based capital ratio | 19.7995% | 2,007 |
| Memoranda: | ||
| Average total assets | $322,460,000 | 2,022 |
| Average earning assets | $292,762,000 | 2,057 |
| Average equity | $29,058,670 | 2,334 |
| Average total loans | $111,852,330 | 3,203 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 5,904 |
| Cost of funding earning assets | 0.2204% | 5,848 |
| Net interest margin | 3.0470% | 5,396 |
| Noninterest income to average assets | 2.1868% | 291 |
| Noninterest expense to average assets | 2.6622% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.1830% | 244 |
| Return on assets (ROA) | 2.1830% | 257 |
| Pretax return on assets | 2.2768% | 317 |
| Return on Equity (ROE) | 24.3483% | 138 |
| Retained earnings to average equity (ytd only) | 9.3321% | 1,153 |
| Net charge-offs to loans | -0.0036% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6961% | 6,037 |
| Assets per employee ($millions) | 4.1634% | 3,608 |
| Cash dividends to net income (ytd only)* | 61.6725% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,018 |
| Loan loss allowance to noncurrent loans | 62.1552% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8378% | 1,891 |
| Noncurrent loans to loans | 2.4604% | 1,415 |
| Net loans and leases to total assets | 33.5096% | 6,204 |
| Net loans and leases to deposits | 38.4394% | 6,230 |
| Net loans and leases to core deposits | 38.9599% | 6,275 |
| Total domestic deposits to total assets | 87.1751% | 2,718 |
| Equity capital to assets | 8.9788% | 5,139 |
| Core capital (leverage) ratio | 8.8542% | 5,194 |
| Tier 1 risk-based capital ratio | 18.9110% | 1,988 |
| Total risk-based capital ratio | 20.0822% | 1,976 |
| Memoranda: | ||
| Average total assets | $315,526,000 | 2,081 |
| Average earning assets | $284,998,000 | 2,110 |
| Average equity | $28,289,500 | 2,385 |
| Average total loans | $111,403,500 | 3,232 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1653% | 6,177 |
| Cost of funding earning assets | 0.2462% | 5,993 |
| Net interest margin | 2.9191% | 5,752 |
| Noninterest income to average assets | 2.4055% | 297 |
| Noninterest expense to average assets | 2.6882% | 4,133 |
| Loan and lease loss provision to assets | 0.0452% | 4,213 |
| Net operating income to assets | 2.1898% | 247 |
| Return on assets (ROA) | 2.0383% | 319 |
| Pretax return on assets | 2.1255% | 368 |
| Return on Equity (ROE) | 22.0592% | 197 |
| Retained earnings to average equity (ytd only) | 8.7422% | 835 |
| Net charge-offs to loans | 0.0202% | 5,033 |
| Credit loss provision to net charge-offs | 652.3810% | 361 |
| Earnings coverage of net charge-offs (x) | 335.7619% | 128 |
| Efficiency ratio | 53.3671% | 6,186 |
| Assets per employee ($millions) | 3.9270% | 4,012 |
| Cash dividends to net income (ytd only)* | 60.3694% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,162 |
| Loan loss allowance to noncurrent loans | 60.9527% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 1,824 |
| Noncurrent loans to loans | 2.4676% | 1,544 |
| Net loans and leases to total assets | 36.1099% | 6,199 |
| Net loans and leases to deposits | 41.3547% | 6,257 |
| Net loans and leases to core deposits | 41.8978% | 6,309 |
| Total domestic deposits to total assets | 87.3177% | 2,571 |
| Equity capital to assets | 8.9521% | 5,096 |
| Core capital (leverage) ratio | 9.1172% | 4,832 |
| Tier 1 risk-based capital ratio | 18.2911% | 2,150 |
| Total risk-based capital ratio | 19.4498% | 2,143 |
| Memoranda: | ||
| Average total assets | $302,804,200 | 2,129 |
| Average earning assets | $270,873,800 | 2,171 |
| Average equity | $27,979,200 | 2,382 |
| Average total loans | $103,864,200 | 3,367 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 6,322 |
| Cost of funding earning assets | 0.2495% | 6,089 |
| Net interest margin | 2.8499% | 5,921 |
| Noninterest income to average assets | 2.3413% | 325 |
| Noninterest expense to average assets | 2.7207% | 3,943 |
| Loan and lease loss provision to assets | 0.0252% | 4,505 |
| Net operating income to assets | 2.0503% | 330 |
| Return on assets (ROA) | 1.8476% | 496 |
| Pretax return on assets | 1.9262% | 679 |
| Return on Equity (ROE) | 19.8392% | 309 |
| Retained earnings to average equity (ytd only) | 6.5957% | 2,081 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4892% | 5,974 |
| Assets per employee ($millions) | 3.9518% | 3,930 |
| Cash dividends to net income (ytd only)* | 66.7543% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,252 |
| Loan loss allowance to noncurrent loans | 46.2149% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 2.3444% | 1,680 |
| Noncurrent loans to loans | 3.3432% | 1,163 |
| Net loans and leases to total assets | 34.5833% | 6,335 |
| Net loans and leases to deposits | 39.6495% | 6,395 |
| Net loans and leases to core deposits | 40.2211% | 6,441 |
| Total domestic deposits to total assets | 87.2224% | 2,553 |
| Equity capital to assets | 9.0744% | 5,092 |
| Core capital (leverage) ratio | 8.9805% | 5,151 |
| Tier 1 risk-based capital ratio | 16.9373% | 2,735 |
| Total risk-based capital ratio | 18.0156% | 2,775 |
| Memoranda: | ||
| Average total assets | $301,928,000 | 2,149 |
| Average earning assets | $269,287,750 | 2,193 |
| Average equity | $28,118,750 | 2,400 |
| Average total loans | $101,756,000 | 3,434 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0461% | 6,399 |
| Cost of funding earning assets | 0.2512% | 6,165 |
| Net interest margin | 2.7949% | 6,009 |
| Noninterest income to average assets | 2.3250% | 361 |
| Noninterest expense to average assets | 2.6800% | 4,106 |
| Loan and lease loss provision to assets | 0.0013% | 4,770 |
| Net operating income to assets | 2.0479% | 332 |
| Return on assets (ROA) | 2.0479% | 348 |
| Pretax return on assets | 2.1378% | 473 |
| Return on Equity (ROE) | 21.8045% | 212 |
| Retained earnings to average equity (ytd only) | 8.9907% | 1,121 |
| Net charge-offs to loans | -0.0020% | 5,528 |
| Credit loss provision to net charge-offs | -200.0000% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3924% | 6,031 |
| Assets per employee ($millions) | 4.0774% | 3,630 |
| Cash dividends to net income (ytd only)* | 58.7665% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,507 |
| Loan loss allowance to noncurrent loans | 52.3936% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.7760% | 1,495 |
| Noncurrent loans to loans | 2.8967% | 1,555 |
| Net loans and leases to total assets | 33.4416% | 6,443 |
| Net loans and leases to deposits | 38.1195% | 6,480 |
| Net loans and leases to core deposits | 38.6550% | 6,518 |
| Total domestic deposits to total assets | 87.7283% | 2,428 |
| Equity capital to assets | 9.0215% | 5,196 |
| Core capital (leverage) ratio | 8.8448% | 5,227 |
| Tier 1 risk-based capital ratio | 16.9735% | 2,728 |
| Total risk-based capital ratio | 18.0252% | 2,777 |
| Memoranda: | ||
| Average total assets | $302,457,670 | 2,147 |
| Average earning assets | $269,919,330 | 2,194 |
| Average equity | $28,407,000 | 2,395 |
| Average total loans | $100,509,000 | 3,472 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0689% | 6,435 |
| Cost of funding earning assets | 0.2566% | 6,242 |
| Net interest margin | 2.8123% | 6,004 |
| Noninterest income to average assets | 2.0533% | 418 |
| Noninterest expense to average assets | 2.7488% | 3,877 |
| Loan and lease loss provision to assets | 0.0027% | 4,390 |
| Net operating income to assets | 1.7155% | 564 |
| Return on assets (ROA) | 1.7155% | 626 |
| Pretax return on assets | 1.7940% | 891 |
| Return on Equity (ROE) | 17.9064% | 442 |
| Retained earnings to average equity (ytd only) | 6.0521% | 2,653 |
| Net charge-offs to loans | -0.0081% | 5,377 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2399% | 5,552 |
| Assets per employee ($millions) | 4.2312% | 3,480 |
| Cash dividends to net income (ytd only)* | 66.2016% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,442 |
| Loan loss allowance to noncurrent loans | 63.0800% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.7254% | 1,664 |
| Noncurrent loans to loans | 2.5208% | 2,047 |
| Net loans and leases to total assets | 30.3505% | 6,592 |
| Net loans and leases to deposits | 34.6028% | 6,613 |
| Net loans and leases to core deposits | 35.0657% | 6,647 |
| Total domestic deposits to total assets | 87.7110% | 2,509 |
| Equity capital to assets | 8.9865% | 5,500 |
| Core capital (leverage) ratio | 8.9999% | 4,891 |
| Tier 1 risk-based capital ratio | 16.8446% | 2,835 |
| Total risk-based capital ratio | 17.9226% | 2,887 |
| Memoranda: | ||
| Average total assets | $300,785,500 | 2,184 |
| Average earning assets | $266,543,500 | 2,242 |
| Average equity | $28,816,500 | 2,396 |
| Average total loans | $98,843,000 | 3,539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 6,136 |
| Cost of funding earning assets | 0.3904% | 5,979 |
| Net interest margin | 3.2572% | 5,407 |
| Noninterest income to average assets | 2.7150% | 285 |
| Noninterest expense to average assets | 3.1380% | 2,816 |
| Loan and lease loss provision to assets | 0.0382% | 5,401 |
| Net operating income to assets | 2.3183% | 205 |
| Return on assets (ROA) | 2.3164% | 222 |
| Pretax return on assets | 2.4127% | 288 |
| Return on Equity (ROE) | 22.4487% | 199 |
| Retained earnings to average equity (ytd only) | 10.4467% | 518 |
| Net charge-offs to loans | 0.0761% | 4,917 |
| Credit loss provision to net charge-offs | 135.1351% | 2,066 |
| Earnings coverage of net charge-offs (x) | 86.7432% | 446 |
| Efficiency ratio | 55.9019% | 6,066 |
| Assets per employee ($millions) | 3.6363% | 4,695 |
| Cash dividends to net income (ytd only)* | 53.4642% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 3,329 |
| Loan loss allowance to noncurrent loans | 62.6444% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 3.2650% | 1,413 |
| Noncurrent loans to loans | 2.5490% | 2,080 |
| Net loans and leases to total assets | 34.6206% | 6,509 |
| Net loans and leases to deposits | 40.3497% | 6,533 |
| Net loans and leases to core deposits | 41.0008% | 6,580 |
| Total domestic deposits to total assets | 85.8013% | 3,454 |
| Equity capital to assets | 10.2626% | 3,806 |
| Core capital (leverage) ratio | 9.5969% | 3,971 |
| Tier 1 risk-based capital ratio | 15.7215% | 3,305 |
| Total risk-based capital ratio | 16.7334% | 3,393 |
| Memoranda: | ||
| Average total assets | $261,694,800 | 2,419 |
| Average earning assets | $231,059,000 | 2,494 |
| Average equity | $27,003,800 | 2,480 |
| Average total loans | $97,273,800 | 3,588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 6,130 |
| Cost of funding earning assets | 0.4158% | 6,021 |
| Net interest margin | 3.3342% | 5,266 |
| Noninterest income to average assets | 2.6607% | 292 |
| Noninterest expense to average assets | 3.2119% | 2,526 |
| Loan and lease loss provision to assets | 0.0519% | 5,105 |
| Net operating income to assets | 2.2531% | 261 |
| Return on assets (ROA) | 2.2536% | 288 |
| Pretax return on assets | 2.3459% | 376 |
| Return on Equity (ROE) | 21.8077% | 247 |
| Retained earnings to average equity (ytd only) | 9.7196% | 996 |
| Net charge-offs to loans | 0.1114% | 4,276 |
| Credit loss provision to net charge-offs | 123.4568% | 2,342 |
| Earnings coverage of net charge-offs (x) | 57.0727% | 683 |
| Efficiency ratio | 57.0306% | 5,916 |
| Assets per employee ($millions) | 3.6768% | 4,592 |
| Cash dividends to net income (ytd only)* | 55.4303% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,402 |
| Loan loss allowance to noncurrent loans | 86.3286% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 3.1972% | 1,608 |
| Noncurrent loans to loans | 1.8917% | 2,972 |
| Net loans and leases to total assets | 34.6686% | 6,624 |
| Net loans and leases to deposits | 39.9438% | 6,676 |
| Net loans and leases to core deposits | 40.6515% | 6,717 |
| Total domestic deposits to total assets | 86.7933% | 2,803 |
| Equity capital to assets | 10.3208% | 4,054 |
| Core capital (leverage) ratio | 9.2064% | 4,751 |
| Tier 1 risk-based capital ratio | 15.2919% | 3,652 |
| Total risk-based capital ratio | 16.3068% | 3,759 |
| Memoranda: | ||
| Average total assets | $257,119,000 | 2,487 |
| Average earning assets | $227,372,000 | 2,560 |
| Average equity | $26,571,000 | 2,536 |
| Average total loans | $96,964,750 | 3,636 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 6,101 |
| Cost of funding earning assets | 0.4434% | 6,008 |
| Net interest margin | 3.3743% | 5,192 |
| Noninterest income to average assets | 2.4360% | 305 |
| Noninterest expense to average assets | 3.1095% | 2,899 |
| Loan and lease loss provision to assets | 0.0793% | 4,615 |
| Net operating income to assets | 2.1369% | 310 |
| Return on assets (ROA) | 2.1362% | 351 |
| Pretax return on assets | 2.2282% | 468 |
| Return on Equity (ROE) | 20.6616% | 315 |
| Retained earnings to average equity (ytd only) | 8.3091% | 1,521 |
| Net charge-offs to loans | 0.1829% | 3,495 |
| Credit loss provision to net charge-offs | 112.3596% | 2,427 |
| Earnings coverage of net charge-offs (x) | 32.6966% | 1,018 |
| Efficiency ratio | 57.1596% | 5,971 |
| Assets per employee ($millions) | 3.3778% | 5,256 |
| Cash dividends to net income (ytd only)* | 59.7846% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,568 |
| Loan loss allowance to noncurrent loans | 73.9089% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 3.3199% | 1,626 |
| Noncurrent loans to loans | 2.1792% | 2,735 |
| Net loans and leases to total assets | 35.2212% | 6,654 |
| Net loans and leases to deposits | 40.7215% | 6,710 |
| Net loans and leases to core deposits | 41.1571% | 6,768 |
| Total domestic deposits to total assets | 86.4929% | 3,076 |
| Equity capital to assets | 9.9060% | 4,474 |
| Core capital (leverage) ratio | 9.1610% | 4,670 |
| Tier 1 risk-based capital ratio | 15.3639% | 3,531 |
| Total risk-based capital ratio | 16.4054% | 3,629 |
| Memoranda: | ||
| Average total assets | $252,131,330 | 2,527 |
| Average earning assets | $222,805,000 | 2,610 |
| Average equity | $26,067,670 | 2,562 |
| Average total loans | $97,322,000 | 3,641 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 6,082 |
| Cost of funding earning assets | 0.4784% | 5,953 |
| Net interest margin | 3.3955% | 5,143 |
| Noninterest income to average assets | 2.3103% | 333 |
| Noninterest expense to average assets | 3.2647% | 2,404 |
| Loan and lease loss provision to assets | 0.1646% | 3,333 |
| Net operating income to assets | 1.8049% | 594 |
| Return on assets (ROA) | 1.7985% | 669 |
| Pretax return on assets | 1.8759% | 925 |
| Return on Equity (ROE) | 17.0001% | 672 |
| Retained earnings to average equity (ytd only) | 4.4639% | 3,912 |
| Net charge-offs to loans | 0.4016% | 2,099 |
| Credit loss provision to net charge-offs | 102.0408% | 2,254 |
| Earnings coverage of net charge-offs (x) | 12.6939% | 1,582 |
| Efficiency ratio | 61.2144% | 5,422 |
| Assets per employee ($millions) | 3.3957% | 5,350 |
| Cash dividends to net income (ytd only)* | 73.7420% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 3,650 |
| Loan loss allowance to noncurrent loans | 47.6762% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 4.0254% | 1,364 |
| Noncurrent loans to loans | 3.3948% | 1,859 |
| Net loans and leases to total assets | 36.9706% | 6,556 |
| Net loans and leases to deposits | 43.1622% | 6,600 |
| Net loans and leases to core deposits | 43.7663% | 6,663 |
| Total domestic deposits to total assets | 85.6550% | 3,713 |
| Equity capital to assets | 10.2041% | 3,843 |
| Core capital (leverage) ratio | 9.7990% | 3,645 |
| Tier 1 risk-based capital ratio | 15.5065% | 3,445 |
| Total risk-based capital ratio | 16.6468% | 3,469 |
| Memoranda: | ||
| Average total assets | $243,086,500 | 2,632 |
| Average earning assets | $214,871,000 | 2,710 |
| Average equity | $25,717,500 | 2,601 |
| Average total loans | $97,616,500 | 3,648 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 5,625 |
| Cost of funding earning assets | 0.6043% | 6,069 |
| Net interest margin | 3.7378% | 4,124 |
| Noninterest income to average assets | 2.0877% | 351 |
| Noninterest expense to average assets | 3.7140% | 1,512 |
| Loan and lease loss provision to assets | 0.0978% | 5,370 |
| Net operating income to assets | 1.5401% | 759 |
| Return on assets (ROA) | 1.5555% | 793 |
| Pretax return on assets | 1.6204% | 1,161 |
| Return on Equity (ROE) | 14.5702% | 819 |
| Retained earnings to average equity (ytd only) | 10.1157% | 536 |
| Net charge-offs to loans | 0.5049% | 2,974 |
| Credit loss provision to net charge-offs | 43.4077% | 5,566 |
| Earnings coverage of net charge-offs (x) | 7.5578% | 2,319 |
| Efficiency ratio | 68.2945% | 4,296 |
| Assets per employee ($millions) | 3.1711% | 5,769 |
| Cash dividends to net income (ytd only)* | 30.5727% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 3,777 |
| Loan loss allowance to noncurrent loans | 35.9517% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 4.7202% | 1,156 |
| Noncurrent loans to loans | 4.3234% | 1,405 |
| Net loans and leases to total assets | 42.3254% | 6,355 |
| Net loans and leases to deposits | 50.1069% | 6,360 |
| Net loans and leases to core deposits | 50.9466% | 6,480 |
| Total domestic deposits to total assets | 84.4703% | 4,109 |
| Equity capital to assets | 10.9926% | 2,986 |
| Core capital (leverage) ratio | 10.1013% | 3,224 |
| Tier 1 risk-based capital ratio | 14.9068% | 3,694 |
| Total risk-based capital ratio | 16.0029% | 3,769 |
| Memoranda: | ||
| Average total assets | $218,903,000 | 2,849 |
| Average earning assets | $194,929,200 | 2,917 |
| Average equity | $23,369,600 | 2,739 |
| Average total loans | $97,639,600 | 3,680 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3984% | 5,605 |
| Cost of funding earning assets | 0.6263% | 6,145 |
| Net interest margin | 3.7721% | 4,004 |
| Noninterest income to average assets | 2.1950% | 327 |
| Noninterest expense to average assets | 3.6924% | 1,513 |
| Loan and lease loss provision to assets | 0.1322% | 4,776 |
| Net operating income to assets | 1.6697% | 675 |
| Return on assets (ROA) | 1.6846% | 721 |
| Pretax return on assets | 1.7544% | 1,032 |
| Return on Equity (ROE) | 15.9061% | 700 |
| Retained earnings to average equity (ytd only) | 12.0433% | 493 |
| Net charge-offs to loans | 0.6257% | 2,376 |
| Credit loss provision to net charge-offs | 46.9298% | 5,104 |
| Earnings coverage of net charge-offs (x) | 6.6404% | 2,517 |
| Efficiency ratio | 66.0891% | 4,700 |
| Assets per employee ($millions) | 3.0676% | 5,972 |
| Cash dividends to net income (ytd only)* | 24.2845% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 3,464 |
| Loan loss allowance to noncurrent loans | 53.7678% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 4.1581% | 1,472 |
| Noncurrent loans to loans | 3.0602% | 2,265 |
| Net loans and leases to total assets | 41.7111% | 6,519 |
| Net loans and leases to deposits | 49.1796% | 6,545 |
| Net loans and leases to core deposits | 49.9370% | 6,672 |
| Total domestic deposits to total assets | 84.8138% | 3,863 |
| Equity capital to assets | 10.9290% | 3,210 |
| Core capital (leverage) ratio | 10.1354% | 3,261 |
| Tier 1 risk-based capital ratio | 15.3330% | 3,472 |
| Total risk-based capital ratio | 16.5006% | 3,481 |
| Memoranda: | ||
| Average total assets | $215,755,750 | 2,892 |
| Average earning assets | $192,671,500 | 2,950 |
| Average equity | $22,850,250 | 2,796 |
| Average total loans | $97,167,750 | 3,720 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 5,580 |
| Cost of funding earning assets | 0.6522% | 6,216 |
| Net interest margin | 3.7810% | 3,887 |
| Noninterest income to average assets | 1.9264% | 383 |
| Noninterest expense to average assets | 3.6687% | 1,585 |
| Loan and lease loss provision to assets | 0.1075% | 4,958 |
| Net operating income to assets | 1.4846% | 921 |
| Return on assets (ROA) | 1.5009% | 948 |
| Pretax return on assets | 1.5632% | 1,349 |
| Return on Equity (ROE) | 14.3351% | 913 |
| Retained earnings to average equity (ytd only) | 10.6409% | 730 |
| Net charge-offs to loans | 0.5109% | 2,570 |
| Credit loss provision to net charge-offs | 45.7831% | 4,683 |
| Earnings coverage of net charge-offs (x) | 7.0402% | 2,287 |
| Efficiency ratio | 68.6459% | 4,402 |
| Assets per employee ($millions) | 2.9205% | 6,260 |
| Cash dividends to net income (ytd only)* | 25.7700% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 3,073 |
| Loan loss allowance to noncurrent loans | 66.8644% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 3.7897% | 1,710 |
| Noncurrent loans to loans | 2.6561% | 2,742 |
| Net loans and leases to total assets | 42.6972% | 6,543 |
| Net loans and leases to deposits | 50.0348% | 6,591 |
| Net loans and leases to core deposits | 50.8252% | 6,725 |
| Total domestic deposits to total assets | 85.3351% | 3,712 |
| Equity capital to assets | 10.7382% | 3,245 |
| Core capital (leverage) ratio | 10.0020% | 3,259 |
| Tier 1 risk-based capital ratio | 15.8815% | 3,040 |
| Total risk-based capital ratio | 17.1089% | 3,028 |
| Memoranda: | ||
| Average total assets | $212,007,000 | 2,949 |
| Average earning assets | $190,423,670 | 2,988 |
| Average equity | $22,197,330 | 2,853 |
| Average total loans | $97,467,330 | 3,750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 5,927 |
| Cost of funding earning assets | 0.6752% | 6,272 |
| Net interest margin | 3.6514% | 4,321 |
| Noninterest income to average assets | 1.8245% | 419 |
| Noninterest expense to average assets | 3.6951% | 1,545 |
| Loan and lease loss provision to assets | 0.2187% | 3,466 |
| Net operating income to assets | 1.1445% | 1,684 |
| Return on assets (ROA) | 1.1684% | 1,657 |
| Pretax return on assets | 1.2144% | 2,323 |
| Return on Equity (ROE) | 11.3116% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.5039% | 1,938 |
| Net charge-offs to loans | 0.0162% | 4,850 |
| Credit loss provision to net charge-offs | 2,850.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 183.5000% | 172 |
| Efficiency ratio | 72.1053% | 3,839 |
| Assets per employee ($millions) | 2.8519% | 6,439 |
| Cash dividends to net income (ytd only)* | 33.6617% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 2,432 |
| Loan loss allowance to noncurrent loans | 43.6922% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 4.0580% | 1,648 |
| Noncurrent loans to loans | 4.5686% | 1,523 |
| Net loans and leases to total assets | 45.0405% | 6,380 |
| Net loans and leases to deposits | 52.8857% | 6,403 |
| Net loans and leases to core deposits | 53.7542% | 6,569 |
| Total domestic deposits to total assets | 85.1658% | 3,963 |
| Equity capital to assets | 10.4132% | 3,272 |
| Core capital (leverage) ratio | 9.9672% | 3,181 |
| Tier 1 risk-based capital ratio | 15.4236% | 3,194 |
| Total risk-based capital ratio | 16.6753% | 3,151 |
| Memoranda: | ||
| Average total assets | $208,490,500 | 3,008 |
| Average earning assets | $187,215,500 | 3,051 |
| Average equity | $21,535,500 | 2,920 |
| Average total loans | $98,593,500 | 3,756 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 6,112 |
| Cost of funding earning assets | 1.1655% | 4,766 |
| Net interest margin | 3.4360% | 5,491 |
| Noninterest income to average assets | 1.9281% | 419 |
| Noninterest expense to average assets | 3.6027% | 1,915 |
| Loan and lease loss provision to assets | 0.6147% | 2,678 |
| Net operating income to assets | 0.7647% | 2,938 |
| Return on assets (ROA) | 0.9958% | 2,155 |
| Pretax return on assets | 1.0361% | 2,828 |
| Return on Equity (ROE) | 10.0814% | 1,894 |
| Retained earnings to average equity (ytd only) | 9.1966% | 664 |
| Net charge-offs to loans | 1.2743% | 1,763 |
| Credit loss provision to net charge-offs | 97.2350% | 4,774 |
| Earnings coverage of net charge-offs (x) | 2.2304% | 4,050 |
| Efficiency ratio | 71.5517% | 3,879 |
| Assets per employee ($millions) | 2.7459% | 6,616 |
| Cash dividends to net income (ytd only)* | 8.7762% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,790 |
| Loan loss allowance to noncurrent loans | 47.7635% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 3.9783% | 1,708 |
| Noncurrent loans to loans | 3.8154% | 1,933 |
| Net loans and leases to total assets | 47.7668% | 6,414 |
| Net loans and leases to deposits | 56.3921% | 6,407 |
| Net loans and leases to core deposits | 56.7499% | 6,648 |
| Total domestic deposits to total assets | 84.7049% | 3,997 |
| Equity capital to assets | 10.2432% | 3,452 |
| Core capital (leverage) ratio | 9.9739% | 3,125 |
| Tier 1 risk-based capital ratio | 14.7580% | 3,391 |
| Total risk-based capital ratio | 16.0089% | 3,349 |
| Memoranda: | ||
| Average total assets | $205,955,000 | 3,033 |
| Average earning assets | $184,896,400 | 3,066 |
| Average equity | $20,344,400 | 3,100 |
| Average total loans | $102,172,200 | 3,739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 6,281 |
| Cost of funding earning assets | 1.0722% | 5,583 |
| Net interest margin | 3.5495% | 5,112 |
| Noninterest income to average assets | 1.9168% | 400 |
| Noninterest expense to average assets | 3.5657% | 1,864 |
| Loan and lease loss provision to assets | 0.7425% | 2,057 |
| Net operating income to assets | 0.7670% | 3,150 |
| Return on assets (ROA) | 0.8429% | 2,962 |
| Pretax return on assets | 0.8765% | 3,636 |
| Return on Equity (ROE) | 8.6123% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.0170% | 1,416 |
| Net charge-offs to loans | 1.7052% | 1,146 |
| Credit loss provision to net charge-offs | 87.3572% | 4,877 |
| Earnings coverage of net charge-offs (x) | 1.8119% | 4,351 |
| Efficiency ratio | 69.5321% | 4,169 |
| Assets per employee ($millions) | 2.8890% | 6,398 |
| Cash dividends to net income (ytd only)* | 6.9126% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,203 |
| Loan loss allowance to noncurrent loans | 44.7848% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 4.2897% | 1,589 |
| Noncurrent loans to loans | 3.7603% | 2,057 |
| Net loans and leases to total assets | 47.6008% | 6,555 |
| Net loans and leases to deposits | 56.6435% | 6,574 |
| Net loans and leases to core deposits | 57.1655% | 6,784 |
| Total domestic deposits to total assets | 84.0358% | 4,113 |
| Equity capital to assets | 10.7063% | 3,284 |
| Core capital (leverage) ratio | 9.6242% | 3,725 |
| Tier 1 risk-based capital ratio | 14.4965% | 3,510 |
| Total risk-based capital ratio | 15.7248% | 3,492 |
| Memoranda: | ||
| Average total assets | $205,958,250 | 3,067 |
| Average earning assets | $185,033,750 | 3,109 |
| Average equity | $20,156,750 | 3,171 |
| Average total loans | $102,665,750 | 3,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 6,598 |
| Cost of funding earning assets | 1.1505% | 5,400 |
| Net interest margin | 3.3974% | 5,653 |
| Noninterest income to average assets | 1.6437% | 472 |
| Noninterest expense to average assets | 3.6059% | 1,766 |
| Loan and lease loss provision to assets | 0.3800% | 3,433 |
| Net operating income to assets | 0.6914% | 3,438 |
| Return on assets (ROA) | 0.7775% | 3,221 |
| Pretax return on assets | 0.8116% | 3,840 |
| Return on Equity (ROE) | 8.2047% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.2047% | 1,375 |
| Net charge-offs to loans | 0.7162% | 2,428 |
| Credit loss provision to net charge-offs | 105.4054% | 3,863 |
| Earnings coverage of net charge-offs (x) | 3.0568% | 3,476 |
| Efficiency ratio | 76.2624% | 3,028 |
| Assets per employee ($millions) | 2.8161% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 2,746 |
| Loan loss allowance to noncurrent loans | 29.2372% | 6,418 |
| Noncurrent assets plus other real estate owned to assets | 5.5112% | 1,120 |
| Noncurrent loans to loans | 6.1225% | 1,033 |
| Net loans and leases to total assets | 49.5473% | 6,486 |
| Net loans and leases to deposits | 58.3699% | 6,550 |
| Net loans and leases to core deposits | 58.8990% | 6,773 |
| Total domestic deposits to total assets | 84.8850% | 3,691 |
| Equity capital to assets | 10.0578% | 3,939 |
| Core capital (leverage) ratio | 9.4201% | 3,932 |
| Tier 1 risk-based capital ratio | 14.1101% | 3,660 |
| Total risk-based capital ratio | 15.3617% | 3,615 |
| Memoranda: | ||
| Average total assets | $205,274,670 | 3,102 |
| Average earning assets | $185,141,670 | 3,135 |
| Average equity | $19,452,330 | 3,249 |
| Average total loans | $103,317,670 | 3,794 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 6,794 |
| Cost of funding earning assets | 1.1711% | 5,550 |
| Net interest margin | 3.3277% | 5,870 |
| Noninterest income to average assets | 1.3215% | 692 |
| Noninterest expense to average assets | 3.6149% | 1,698 |
| Loan and lease loss provision to assets | 0.3338% | 3,395 |
| Net operating income to assets | 0.3496% | 5,081 |
| Return on assets (ROA) | 0.4928% | 4,558 |
| Pretax return on assets | 0.5125% | 4,918 |
| Return on Equity (ROE) | 5.3694% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.3694% | 2,949 |
| Net charge-offs to loans | 0.1484% | 4,041 |
| Credit loss provision to net charge-offs | 447.3684% | 942 |
| Earnings coverage of net charge-offs (x) | 9.3421% | 1,867 |
| Efficiency ratio | 83.4699% | 2,076 |
| Assets per employee ($millions) | 2.7905% | 6,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,291 |
| Loan loss allowance to noncurrent loans | 32.1457% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 5.2005% | 1,217 |
| Noncurrent loans to loans | 6.0873% | 1,073 |
| Net loans and leases to total assets | 47.7359% | 6,700 |
| Net loans and leases to deposits | 57.2235% | 6,680 |
| Net loans and leases to core deposits | 57.6821% | 6,899 |
| Total domestic deposits to total assets | 83.4201% | 4,416 |
| Equity capital to assets | 8.9790% | 5,311 |
| Core capital (leverage) ratio | 8.6916% | 5,034 |
| Tier 1 risk-based capital ratio | 13.4729% | 4,001 |
| Total risk-based capital ratio | 14.7260% | 3,969 |
| Memoranda: | ||
| Average total assets | $203,714,500 | 3,170 |
| Average earning assets | $183,069,000 | 3,223 |
| Average equity | $18,698,500 | 3,368 |
| Average total loans | $102,408,500 | 3,876 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1451% | 5,899 |
| Cost of funding earning assets | 1.5163% | 5,453 |
| Net interest margin | 3.6288% | 4,439 |
| Noninterest income to average assets | 1.3422% | 827 |
| Noninterest expense to average assets | 3.5905% | 2,169 |
| Loan and lease loss provision to assets | 0.6731% | 3,127 |
| Net operating income to assets | 0.3806% | 4,200 |
| Return on assets (ROA) | 0.4579% | 4,021 |
| Pretax return on assets | 0.4766% | 4,258 |
| Return on Equity (ROE) | 5.1725% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.9124% | 3,130 |
| Net charge-offs to loans | 0.7191% | 3,031 |
| Credit loss provision to net charge-offs | 167.3804% | 2,581 |
| Earnings coverage of net charge-offs (x) | 2.6587% | 3,786 |
| Efficiency ratio | 76.6848% | 3,412 |
| Assets per employee ($millions) | 2.8306% | 6,604 |
| Cash dividends to net income (ytd only)* | 43.6947% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,513 |
| Loan loss allowance to noncurrent loans | 45.0085% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 4.2823% | 1,528 |
| Noncurrent loans to loans | 4.0197% | 1,846 |
| Net loans and leases to total assets | 51.0018% | 6,528 |
| Net loans and leases to deposits | 62.1212% | 6,456 |
| Net loans and leases to core deposits | 67.4424% | 6,907 |
| Total domestic deposits to total assets | 82.1005% | 4,904 |
| Equity capital to assets | 9.3898% | 4,577 |
| Core capital (leverage) ratio | 8.9052% | 4,582 |
| Tier 1 risk-based capital ratio | 13.4938% | 3,821 |
| Total risk-based capital ratio | 14.7457% | 3,768 |
| Memoranda: | ||
| Average total assets | $197,438,400 | 3,211 |
| Average earning assets | $180,502,400 | 3,211 |
| Average equity | $17,477,000 | 3,588 |
| Average total loans | $110,420,800 | 3,684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2166% | 5,811 |
| Cost of funding earning assets | 1.5281% | 5,722 |
| Net interest margin | 3.6885% | 4,119 |
| Noninterest income to average assets | 1.3153% | 893 |
| Noninterest expense to average assets | 3.5282% | 2,207 |
| Loan and lease loss provision to assets | 0.6617% | 2,760 |
| Net operating income to assets | 0.4961% | 4,004 |
| Return on assets (ROA) | 0.5617% | 3,835 |
| Pretax return on assets | 0.5840% | 4,236 |
| Return on Equity (ROE) | 6.4436% | 3,322 |
| Retained earnings to average equity (ytd only) | 3.3808% | 3,411 |
| Net charge-offs to loans | 0.9332% | 2,103 |
| Credit loss provision to net charge-offs | 124.5547% | 4,045 |
| Earnings coverage of net charge-offs (x) | 2.2163% | 4,156 |
| Efficiency ratio | 74.6050% | 3,762 |
| Assets per employee ($millions) | 2.7381% | 6,761 |
| Cash dividends to net income (ytd only)* | 47.5329% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 3,761 |
| Loan loss allowance to noncurrent loans | 65.0407% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 3.6766% | 1,777 |
| Noncurrent loans to loans | 2.2072% | 3,369 |
| Net loans and leases to total assets | 52.9370% | 6,507 |
| Net loans and leases to deposits | 65.0899% | 6,391 |
| Net loans and leases to core deposits | 70.5621% | 6,935 |
| Total domestic deposits to total assets | 81.3290% | 4,951 |
| Equity capital to assets | 9.8402% | 4,300 |
| Core capital (leverage) ratio | 8.9486% | 4,731 |
| Tier 1 risk-based capital ratio | 13.2545% | 4,016 |
| Total risk-based capital ratio | 14.4058% | 4,019 |
| Memoranda: | ||
| Average total assets | $197,263,000 | 3,232 |
| Average earning assets | $181,315,500 | 3,223 |
| Average equity | $17,195,000 | 3,665 |
| Average total loans | $112,296,750 | 3,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 6,203 |
| Cost of funding earning assets | 1.5417% | 5,968 |
| Net interest margin | 3.6248% | 4,266 |
| Noninterest income to average assets | 1.3593% | 826 |
| Noninterest expense to average assets | 3.5387% | 2,222 |
| Loan and lease loss provision to assets | 0.8292% | 2,023 |
| Net operating income to assets | 0.3270% | 4,775 |
| Return on assets (ROA) | 0.3467% | 4,808 |
| Pretax return on assets | 0.3578% | 5,051 |
| Return on Equity (ROE) | 4.1554% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.2916% | 5,101 |
| Net charge-offs to loans | 0.8109% | 2,063 |
| Credit loss provision to net charge-offs | 176.2931% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.4806% | 3,824 |
| Efficiency ratio | 74.8169% | 3,902 |
| Assets per employee ($millions) | 2.6467% | 6,959 |
| Cash dividends to net income (ytd only)* | 92.9825% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 2,974 |
| Loan loss allowance to noncurrent loans | 37.2975% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 3.9925% | 1,489 |
| Noncurrent loans to loans | 4.1414% | 1,608 |
| Net loans and leases to total assets | 55.4562% | 6,280 |
| Net loans and leases to deposits | 70.3281% | 5,952 |
| Net loans and leases to core deposits | 76.1377% | 6,665 |
| Total domestic deposits to total assets | 78.8536% | 5,850 |
| Equity capital to assets | 9.2138% | 4,995 |
| Core capital (leverage) ratio | 8.4977% | 5,450 |
| Tier 1 risk-based capital ratio | 13.0099% | 4,143 |
| Total risk-based capital ratio | 14.2600% | 4,058 |
| Memoranda: | ||
| Average total assets | $197,304,000 | 3,254 |
| Average earning assets | $182,136,670 | 3,236 |
| Average equity | $16,460,330 | 3,821 |
| Average total loans | $114,435,670 | 3,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2431% | 6,142 |
| Cost of funding earning assets | 1.5461% | 6,257 |
| Net interest margin | 3.6971% | 3,901 |
| Noninterest income to average assets | 1.2400% | 931 |
| Noninterest expense to average assets | 3.4311% | 2,276 |
| Loan and lease loss provision to assets | 1.6413% | 758 |
| Net operating income to assets | -0.3976% | 6,781 |
| Return on assets (ROA) | -0.3431% | 6,807 |
| Pretax return on assets | -0.3552% | 6,713 |
| Return on Equity (ROE) | -4.3320% | 6,920 |
| Retained earnings to average equity (ytd only) | -8.7147% | 6,987 |
| Net charge-offs to loans | 0.7131% | 1,758 |
| Credit loss provision to net charge-offs | 391.3876% | 1,319 |
| Earnings coverage of net charge-offs (x) | 2.9330% | 3,331 |
| Efficiency ratio | 73.2243% | 3,971 |
| Assets per employee ($millions) | 2.7806% | 6,690 |
| Cash dividends to net income (ytd only)* | -101.1696% | 8,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 2,282 |
| Loan loss allowance to noncurrent loans | 42.0870% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 2,041 |
| Noncurrent loans to loans | 3.9376% | 1,544 |
| Net loans and leases to total assets | 56.5983% | 6,155 |
| Net loans and leases to deposits | 73.3341% | 5,566 |
| Net loans and leases to core deposits | 80.1325% | 6,373 |
| Total domestic deposits to total assets | 77.1786% | 6,230 |
| Equity capital to assets | 8.3400% | 6,330 |
| Core capital (leverage) ratio | 8.4702% | 5,597 |
| Tier 1 risk-based capital ratio | 12.3656% | 4,647 |
| Total risk-based capital ratio | 13.6177% | 4,568 |
| Memoranda: | ||
| Average total assets | $199,351,000 | 3,251 |
| Average earning assets | $184,470,000 | 3,232 |
| Average equity | $15,789,500 | 3,987 |
| Average total loans | $117,239,500 | 3,617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9003% | 6,031 |
| Cost of funding earning assets | 1.9536% | 6,557 |
| Net interest margin | 3.9467% | 3,380 |
| Noninterest income to average assets | 1.0298% | 1,486 |
| Noninterest expense to average assets | 3.4033% | 2,673 |
| Loan and lease loss provision to assets | 0.1769% | 5,129 |
| Net operating income to assets | 1.0265% | 2,446 |
| Return on assets (ROA) | 1.0117% | 2,391 |
| Pretax return on assets | 1.0517% | 3,206 |
| Return on Equity (ROE) | 13.4834% | 1,220 |
| Retained earnings to average equity (ytd only) | 6.9156% | 1,183 |
| Net charge-offs to loans | 0.3025% | 3,379 |
| Credit loss provision to net charge-offs | 98.2249% | 5,443 |
| Earnings coverage of net charge-offs (x) | 6.9083% | 3,243 |
| Efficiency ratio | 72.8075% | 3,795 |
| Assets per employee ($millions) | 2.7183% | 6,742 |
| Cash dividends to net income (ytd only)* | 48.7098% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,082 |
| Loan loss allowance to noncurrent loans | 30.6679% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 2.8827% | 1,616 |
| Noncurrent loans to loans | 3.6776% | 1,370 |
| Net loans and leases to total assets | 59.4379% | 5,987 |
| Net loans and leases to deposits | 78.9958% | 5,198 |
| Net loans and leases to core deposits | 87.2359% | 6,038 |
| Total domestic deposits to total assets | 75.2418% | 6,393 |
| Equity capital to assets | 7.4853% | 7,392 |
| Core capital (leverage) ratio | 7.5704% | 7,118 |
| Tier 1 risk-based capital ratio | 10.9534% | 5,766 |
| Total risk-based capital ratio | 11.9533% | 5,906 |
| Memoranda: | ||
| Average total assets | $187,700,600 | 3,298 |
| Average earning assets | $172,043,400 | 3,304 |
| Average equity | $14,084,000 | 4,321 |
| Average total loans | $111,718,000 | 3,642 |