Home > Consumers National Bank > Performance and Condition Ratios
Consumers 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 | 4.6331% | 2,821 |
| Cost of funding earning assets | 1.3204% | 2,459 |
| Net interest margin | 3.3128% | 2,603 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.3464% | 2,727 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9545% | 2,350 |
| Return on assets (ROA) | 0.9505% | 2,355 |
| Pretax return on assets | 1.1586% | 2,244 |
| Return on Equity (ROE) | 18.0400% | 813 |
| Retained earnings to average equity (ytd only) | 14.0555% | 396 |
| Net charge-offs to loans | 0.0463% | 1,419 |
| Credit loss provision to net charge-offs | 179.4479% | 1,316 |
| Earnings coverage of net charge-offs (x) | 39.5828% | 1,454 |
| Efficiency ratio | 65.5192% | 2,411 |
| Assets per employee ($millions) | 5.9714% | 2,848 |
| Cash dividends to net income (ytd only)* | 22.1000% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 2,911 |
| Loan loss allowance to noncurrent loans | 703.7004% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,757 |
| Noncurrent loans to loans | 0.1542% | 2,742 |
| Net loans and leases to total assets | 67.3800% | 2,107 |
| Net loans and leases to deposits | 76.7711% | 2,374 |
| Net loans and leases to core deposits | 82.4724% | 2,552 |
| Total domestic deposits to total assets | 87.7700% | 1,427 |
| Equity capital to assets | 5.8835% | 4,256 |
| Core capital (leverage) ratio | 7.8480% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0803% | 2,562 |
| Memoranda: | ||
| Average total assets | $1,052,052,800 | 939 |
| Average earning assets | $987,668,200 | 917 |
| Average equity | $55,423,000 | 1,480 |
| Average total loans | $704,138,000 | 953 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5615% | 2,774 |
| Cost of funding earning assets | 1.1992% | 2,433 |
| Net interest margin | 3.3623% | 2,539 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.3428% | 2,671 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0134% | 2,329 |
| Return on assets (ROA) | 1.0081% | 2,329 |
| Pretax return on assets | 1.2288% | 2,232 |
| Return on Equity (ROE) | 19.7300% | 750 |
| Retained earnings to average equity (ytd only) | 15.6106% | 498 |
| Net charge-offs to loans | 0.0395% | 1,324 |
| Credit loss provision to net charge-offs | 126.2136% | 1,445 |
| Earnings coverage of net charge-offs (x) | 48.6408% | 1,328 |
| Efficiency ratio | 64.5455% | 2,437 |
| Assets per employee ($millions) | 5.7485% | 2,968 |
| Cash dividends to net income (ytd only)* | 20.8861% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 2,945 |
| Loan loss allowance to noncurrent loans | 2,809.3863% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 3,419 |
| Noncurrent loans to loans | 0.0386% | 3,488 |
| Net loans and leases to total assets | 67.1400% | 2,143 |
| Net loans and leases to deposits | 73.8649% | 2,578 |
| Net loans and leases to core deposits | 77.8764% | 2,748 |
| Total domestic deposits to total assets | 90.9000% | 696 |
| Equity capital to assets | 4.6970% | 4,298 |
| Core capital (leverage) ratio | 7.7850% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0196% | 2,609 |
| Memoranda: | ||
| Average total assets | $1,044,862,250 | 944 |
| Average earning assets | $981,259,750 | 925 |
| Average equity | $53,381,250 | 1,520 |
| Average total loans | $696,112,500 | 963 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 2,752 |
| Cost of funding earning assets | 1.0733% | 2,371 |
| Net interest margin | 3.3824% | 2,566 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.3412% | 2,677 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0367% | 2,293 |
| Return on assets (ROA) | 1.0412% | 2,278 |
| Pretax return on assets | 1.2704% | 2,161 |
| Return on Equity (ROE) | 19.8400% | 726 |
| Retained earnings to average equity (ytd only) | 17.9146% | 346 |
| Net charge-offs to loans | 0.0499% | 1,016 |
| Credit loss provision to net charge-offs | 127.9070% | 1,294 |
| Earnings coverage of net charge-offs (x) | 39.5465% | 1,407 |
| Efficiency ratio | 64.0204% | 2,488 |
| Assets per employee ($millions) | 5.7592% | 2,916 |
| Cash dividends to net income (ytd only)* | 9.6917% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,017 |
| Loan loss allowance to noncurrent loans | 7,572.5490% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 3,608 |
| Noncurrent loans to loans | 0.0143% | 3,674 |
| Net loans and leases to total assets | 66.3800% | 2,114 |
| Net loans and leases to deposits | 73.8431% | 2,513 |
| Net loans and leases to core deposits | 77.5584% | 2,652 |
| Total domestic deposits to total assets | 89.8900% | 951 |
| Equity capital to assets | 5.3155% | 4,326 |
| Core capital (leverage) ratio | 7.7214% | 4,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0681% | 2,609 |
| Memoranda: | ||
| Average total assets | $1,040,577,000 | 934 |
| Average earning assets | $980,136,333 | 912 |
| Average equity | $54,614,667 | 1,490 |
| Average total loans | $688,838,333 | 955 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,749 |
| Cost of funding earning assets | 0.9339% | 2,261 |
| Net interest margin | 3.3862% | 2,671 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3255% | 2,745 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0357% | 2,419 |
| Return on assets (ROA) | 1.0347% | 2,390 |
| Pretax return on assets | 1.2578% | 2,282 |
| Return on Equity (ROE) | 19.8400% | 789 |
| Retained earnings to average equity (ytd only) | 15.9381% | 694 |
| Net charge-offs to loans | 0.0077% | 1,663 |
| Credit loss provision to net charge-offs | 1,230.7692% | 323 |
| Earnings coverage of net charge-offs (x) | 261.9231% | 411 |
| Efficiency ratio | 63.6238% | 2,510 |
| Assets per employee ($millions) | 5.7033% | 3,025 |
| Cash dividends to net income (ytd only)* | 19.6850% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 2,889 |
| Loan loss allowance to noncurrent loans | 4,011.7949% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,622 |
| Noncurrent loans to loans | 0.0282% | 3,561 |
| Net loans and leases to total assets | 65.0300% | 2,148 |
| Net loans and leases to deposits | 71.4949% | 2,505 |
| Net loans and leases to core deposits | 76.4839% | 2,491 |
| Total domestic deposits to total assets | 90.9600% | 819 |
| Equity capital to assets | 5.4006% | 4,357 |
| Core capital (leverage) ratio | 7.6286% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1192% | 2,690 |
| Memoranda: | ||
| Average total assets | $1,031,020,000 | 960 |
| Average earning assets | $973,949,500 | 935 |
| Average equity | $53,758,000 | 1,521 |
| Average total loans | $677,689,000 | 985 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 2,061 |
| Cost of funding earning assets | 0.2762% | 3,077 |
| Net interest margin | 3.5948% | 1,662 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4183% | 2,366 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1200% | 2,085 |
| Return on assets (ROA) | 1.1191% | 2,030 |
| Pretax return on assets | 1.3492% | 1,936 |
| Return on Equity (ROE) | 19.1300% | 556 |
| Retained earnings to average equity (ytd only) | 13.9314% | 396 |
| Net charge-offs to loans | 0.0266% | 1,526 |
| Credit loss provision to net charge-offs | 544.9102% | 642 |
| Earnings coverage of net charge-offs (x) | 85.0719% | 1,059 |
| Efficiency ratio | 62.4829% | 2,699 |
| Assets per employee ($millions) | 5.4737% | 3,245 |
| Cash dividends to net income (ytd only)* | 27.1779% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,624 |
| Loan loss allowance to noncurrent loans | 16,684.7826% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,878 |
| Noncurrent loans to loans | 0.0069% | 3,812 |
| Net loans and leases to total assets | 64.9200% | 2,150 |
| Net loans and leases to deposits | 72.5367% | 2,368 |
| Net loans and leases to core deposits | 75.9205% | 2,428 |
| Total domestic deposits to total assets | 89.5000% | 1,559 |
| Equity capital to assets | 5.0207% | 4,362 |
| Core capital (leverage) ratio | 7.6146% | 4,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1371% | 2,691 |
| Memoranda: | ||
| Average total assets | $984,711,000 | 993 |
| Average earning assets | $930,908,400 | 970 |
| Average equity | $57,603,800 | 1,446 |
| Average total loans | $628,803,200 | 1,004 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 1,892 |
| Cost of funding earning assets | 0.1936% | 3,351 |
| Net interest margin | 3.5565% | 1,501 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3976% | 2,346 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1107% | 2,046 |
| Return on assets (ROA) | 1.1098% | 2,018 |
| Pretax return on assets | 1.3371% | 1,932 |
| Return on Equity (ROE) | 18.3000% | 608 |
| Retained earnings to average equity (ytd only) | 12.7451% | 651 |
| Net charge-offs to loans | 0.0153% | 1,559 |
| Credit loss provision to net charge-offs | 964.7887% | 418 |
| Earnings coverage of net charge-offs (x) | 147.8592% | 755 |
| Efficiency ratio | 62.4644% | 2,772 |
| Assets per employee ($millions) | 5.3586% | 3,365 |
| Cash dividends to net income (ytd only)* | 30.3514% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,620 |
| Loan loss allowance to noncurrent loans | 11,433.3333% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,937 |
| Noncurrent loans to loans | 0.0103% | 3,868 |
| Net loans and leases to total assets | 63.6000% | 2,124 |
| Net loans and leases to deposits | 69.1205% | 2,445 |
| Net loans and leases to core deposits | 70.8543% | 2,578 |
| Total domestic deposits to total assets | 92.0100% | 870 |
| Equity capital to assets | 4.4579% | 4,407 |
| Core capital (leverage) ratio | 7.5549% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2417% | 2,736 |
| Memoranda: | ||
| Average total assets | $977,731,500 | 1,007 |
| Average earning assets | $924,810,750 | 981 |
| Average equity | $59,294,500 | 1,433 |
| Average total loans | $619,734,750 | 1,009 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 1,606 |
| Cost of funding earning assets | 0.1484% | 3,597 |
| Net interest margin | 3.5263% | 1,244 |
| Noninterest income to average assets | 0.4634% | 2,378 |
| Noninterest expense to average assets | 2.3845% | 2,279 |
| Loan and lease loss provision to assets | 0.0565% | 1,570 |
| Net operating income to assets | 1.1298% | 1,664 |
| Return on assets (ROA) | 1.1305% | 1,640 |
| Pretax return on assets | 1.3638% | 1,538 |
| Return on Equity (ROE) | 17.1029% | 556 |
| Retained earnings to average equity (ytd only) | 11.0558% | 776 |
| Net charge-offs to loans | 0.0156% | 1,442 |
| Credit loss provision to net charge-offs | 572.9167% | 591 |
| Earnings coverage of net charge-offs (x) | 143.8958% | 666 |
| Efficiency ratio | 62.5338% | 2,977 |
| Assets per employee ($millions) | 5.3116% | 3,419 |
| Cash dividends to net income (ytd only)* | 35.3572% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 2,864 |
| Loan loss allowance to noncurrent loans | 1,627.2727% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 3,535 |
| Noncurrent loans to loans | 0.0718% | 3,440 |
| Net loans and leases to total assets | 61.9909% | 2,122 |
| Net loans and leases to deposits | 68.3323% | 2,361 |
| Net loans and leases to core deposits | 69.6821% | 2,508 |
| Total domestic deposits to total assets | 90.7198% | 1,372 |
| Equity capital to assets | 5.6094% | 4,329 |
| Core capital (leverage) ratio | 7.3904% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4897% | 2,681 |
| Memoranda: | ||
| Average total assets | $973,192,667 | 1,002 |
| Average earning assets | $921,928,000 | 985 |
| Average equity | $64,328,333 | 1,371 |
| Average total loans | $613,632,667 | 1,007 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5839% | 1,554 |
| Cost of funding earning assets | 0.1398% | 3,635 |
| Net interest margin | 3.4440% | 1,198 |
| Noninterest income to average assets | 0.4588% | 2,365 |
| Noninterest expense to average assets | 2.3746% | 2,253 |
| Loan and lease loss provision to assets | 0.0350% | 1,734 |
| Net operating income to assets | 1.0907% | 1,548 |
| Return on assets (ROA) | 1.0907% | 1,549 |
| Pretax return on assets | 1.3160% | 1,458 |
| Return on Equity (ROE) | 15.3326% | 608 |
| Retained earnings to average equity (ytd only) | 9.2528% | 1,202 |
| Net charge-offs to loans | 0.0130% | 1,292 |
| Credit loss provision to net charge-offs | 425.0000% | 571 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 501 |
| Efficiency ratio | 63.5821% | 3,079 |
| Assets per employee ($millions) | 5.4554% | 3,348 |
| Cash dividends to net income (ytd only)* | 39.6526% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 3,062 |
| Loan loss allowance to noncurrent loans | 1,283.8532% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,494 |
| Noncurrent loans to loans | 0.0902% | 3,388 |
| Net loans and leases to total assets | 60.4628% | 2,016 |
| Net loans and leases to deposits | 67.0274% | 2,238 |
| Net loans and leases to core deposits | 68.4347% | 2,420 |
| Total domestic deposits to total assets | 90.2061% | 1,441 |
| Equity capital to assets | 6.4013% | 4,465 |
| Core capital (leverage) ratio | 7.4529% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3487% | 2,816 |
| Memoranda: | ||
| Average total assets | $971,126,000 | 1,009 |
| Average earning assets | $921,128,500 | 995 |
| Average equity | $69,081,500 | 1,346 |
| Average total loans | $613,942,500 | 1,003 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 1,913 |
| Cost of funding earning assets | 0.1698% | 3,774 |
| Net interest margin | 3.6144% | 1,429 |
| Noninterest income to average assets | 0.5306% | 2,437 |
| Noninterest expense to average assets | 2.4344% | 2,377 |
| Loan and lease loss provision to assets | 0.1221% | 1,007 |
| Net operating income to assets | 1.1669% | 2,033 |
| Return on assets (ROA) | 1.1677% | 2,094 |
| Pretax return on assets | 1.4100% | 2,018 |
| Return on Equity (ROE) | 14.3845% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.7376% | 434 |
| Net charge-offs to loans | 0.0052% | 2,402 |
| Credit loss provision to net charge-offs | 3,500.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 439.0000% | 307 |
| Efficiency ratio | 61.2753% | 2,971 |
| Assets per employee ($millions) | 5.3342% | 3,433 |
| Cash dividends to net income (ytd only)* | 11.4496% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,313 |
| Loan loss allowance to noncurrent loans | 930.4698% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,334 |
| Noncurrent loans to loans | 0.1194% | 3,333 |
| Net loans and leases to total assets | 64.6119% | 1,636 |
| Net loans and leases to deposits | 72.7110% | 1,837 |
| Net loans and leases to core deposits | 74.3520% | 2,049 |
| Total domestic deposits to total assets | 88.8612% | 1,590 |
| Equity capital to assets | 7.8501% | 4,448 |
| Core capital (leverage) ratio | 7.4490% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9886% | 2,892 |
| Memoranda: | ||
| Average total assets | $860,162,000 | 1,081 |
| Average earning assets | $817,448,600 | 1,063 |
| Average equity | $69,825,000 | 1,349 |
| Average total loans | $577,286,000 | 1,049 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 2,280 |
| Cost of funding earning assets | 0.1761% | 3,860 |
| Net interest margin | 3.5229% | 1,807 |
| Noninterest income to average assets | 0.5360% | 2,472 |
| Noninterest expense to average assets | 2.4463% | 2,285 |
| Loan and lease loss provision to assets | 0.1243% | 939 |
| Net operating income to assets | 1.0912% | 2,590 |
| Return on assets (ROA) | 1.0920% | 2,643 |
| Pretax return on assets | 1.3137% | 2,590 |
| Return on Equity (ROE) | 13.3266% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.0896% | 1,047 |
| Net charge-offs to loans | 0.0035% | 2,220 |
| Credit loss provision to net charge-offs | 5,200.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 601.0667% | 253 |
| Efficiency ratio | 62.8920% | 2,551 |
| Assets per employee ($millions) | 5.4185% | 3,289 |
| Cash dividends to net income (ytd only)* | 16.7859% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,193 |
| Loan loss allowance to noncurrent loans | 388.6496% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,912 |
| Noncurrent loans to loans | 0.2967% | 2,726 |
| Net loans and leases to total assets | 60.0099% | 2,265 |
| Net loans and leases to deposits | 67.3894% | 2,498 |
| Net loans and leases to core deposits | 69.0572% | 2,679 |
| Total domestic deposits to total assets | 89.0494% | 1,250 |
| Equity capital to assets | 7.4180% | 4,725 |
| Core capital (leverage) ratio | 6.9905% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0218% | 2,962 |
| Memoranda: | ||
| Average total assets | $836,498,250 | 1,119 |
| Average earning assets | $794,809,500 | 1,103 |
| Average equity | $68,542,750 | 1,387 |
| Average total loans | $565,643,250 | 1,085 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 2,552 |
| Cost of funding earning assets | 0.1820% | 3,928 |
| Net interest margin | 3.4413% | 2,031 |
| Noninterest income to average assets | 0.5269% | 2,502 |
| Noninterest expense to average assets | 2.4044% | 2,449 |
| Loan and lease loss provision to assets | 0.1480% | 810 |
| Net operating income to assets | 1.0368% | 2,767 |
| Return on assets (ROA) | 1.0381% | 2,842 |
| Pretax return on assets | 1.2430% | 2,794 |
| Return on Equity (ROE) | 12.2077% | 1,978 |
| Retained earnings to average equity (ytd only) | 8.8159% | 1,770 |
| Net charge-offs to loans | 0.0114% | 1,734 |
| Credit loss provision to net charge-offs | 1,843.7500% | 309 |
| Earnings coverage of net charge-offs (x) | 173.1250% | 541 |
| Efficiency ratio | 63.2842% | 2,524 |
| Assets per employee ($millions) | 5.0202% | 3,647 |
| Cash dividends to net income (ytd only)* | 27.7845% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,248 |
| Loan loss allowance to noncurrent loans | 365.1806% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 2,877 |
| Noncurrent loans to loans | 0.3120% | 2,805 |
| Net loans and leases to total assets | 67.3684% | 1,529 |
| Net loans and leases to deposits | 77.2152% | 1,705 |
| Net loans and leases to core deposits | 79.0472% | 1,956 |
| Total domestic deposits to total assets | 87.2476% | 2,194 |
| Equity capital to assets | 8.3119% | 4,346 |
| Core capital (leverage) ratio | 7.8278% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0561% | 2,703 |
| Memoranda: | ||
| Average total assets | $797,446,000 | 1,162 |
| Average earning assets | $757,037,333 | 1,142 |
| Average equity | $67,809,667 | 1,391 |
| Average total loans | $561,203,000 | 1,094 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 2,555 |
| Cost of funding earning assets | 0.1991% | 3,918 |
| Net interest margin | 3.4273% | 2,035 |
| Noninterest income to average assets | 0.5342% | 2,463 |
| Noninterest expense to average assets | 2.3708% | 2,589 |
| Loan and lease loss provision to assets | 0.0949% | 1,410 |
| Net operating income to assets | 1.0976% | 2,485 |
| Return on assets (ROA) | 1.1002% | 2,551 |
| Pretax return on assets | 1.3219% | 2,512 |
| Return on Equity (ROE) | 12.7845% | 1,735 |
| Retained earnings to average equity (ytd only) | 8.6105% | 2,059 |
| Net charge-offs to loans | 0.0151% | 1,446 |
| Credit loss provision to net charge-offs | 880.9524% | 451 |
| Earnings coverage of net charge-offs (x) | 131.1905% | 525 |
| Efficiency ratio | 62.5492% | 2,667 |
| Assets per employee ($millions) | 4.8810% | 3,772 |
| Cash dividends to net income (ytd only)* | 32.6493% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0973% | 3,445 |
| Loan loss allowance to noncurrent loans | 322.6766% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 2,974 |
| Noncurrent loans to loans | 0.3401% | 2,879 |
| Net loans and leases to total assets | 67.9973% | 1,533 |
| Net loans and leases to deposits | 77.7567% | 1,744 |
| Net loans and leases to core deposits | 79.6483% | 2,036 |
| Total domestic deposits to total assets | 87.4487% | 2,119 |
| Equity capital to assets | 8.3075% | 4,271 |
| Core capital (leverage) ratio | 8.2582% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5525% | 2,468 |
| Memoranda: | ||
| Average total assets | $779,495,000 | 1,170 |
| Average earning assets | $739,251,000 | 1,156 |
| Average equity | $67,081,000 | 1,394 |
| Average total loans | $557,862,500 | 1,101 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 1,716 |
| Cost of funding earning assets | 0.4589% | 3,227 |
| Net interest margin | 3.8930% | 1,233 |
| Noninterest income to average assets | 0.6050% | 2,203 |
| Noninterest expense to average assets | 2.6410% | 2,415 |
| Loan and lease loss provision to assets | 0.2763% | 1,384 |
| Net operating income to assets | 1.1318% | 1,797 |
| Return on assets (ROA) | 1.1619% | 1,798 |
| Pretax return on assets | 1.3966% | 1,667 |
| Return on Equity (ROE) | 13.1307% | 1,010 |
| Retained earnings to average equity (ytd only) | 3.6416% | 3,017 |
| Net charge-offs to loans | 0.0212% | 2,635 |
| Credit loss provision to net charge-offs | 1,782.4074% | 484 |
| Earnings coverage of net charge-offs (x) | 105.5741% | 760 |
| Efficiency ratio | 61.6502% | 3,201 |
| Assets per employee ($millions) | 4.6520% | 3,762 |
| Cash dividends to net income (ytd only)* | 72.2668% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0519% | 3,680 |
| Loan loss allowance to noncurrent loans | 304.7423% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,007 |
| Noncurrent loans to loans | 0.3452% | 2,969 |
| Net loans and leases to total assets | 73.7914% | 1,053 |
| Net loans and leases to deposits | 85.7593% | 1,267 |
| Net loans and leases to core deposits | 90.2739% | 1,505 |
| Total domestic deposits to total assets | 86.0448% | 2,347 |
| Equity capital to assets | 8.9244% | 4,122 |
| Core capital (leverage) ratio | 8.2863% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7715% | 2,705 |
| Memoranda: | ||
| Average total assets | $696,705,200 | 1,186 |
| Average earning assets | $657,248,800 | 1,167 |
| Average equity | $61,649,200 | 1,419 |
| Average total loans | $509,101,600 | 1,121 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 1,872 |
| Cost of funding earning assets | 0.5092% | 3,165 |
| Net interest margin | 3.8817% | 1,395 |
| Noninterest income to average assets | 0.6013% | 2,172 |
| Noninterest expense to average assets | 2.6655% | 2,351 |
| Loan and lease loss provision to assets | 0.3506% | 1,078 |
| Net operating income to assets | 1.0400% | 2,195 |
| Return on assets (ROA) | 1.0804% | 2,175 |
| Pretax return on assets | 1.2908% | 2,093 |
| Return on Equity (ROE) | 12.2382% | 1,310 |
| Retained earnings to average equity (ytd only) | 0.2877% | 4,429 |
| Net charge-offs to loans | 0.0331% | 2,166 |
| Credit loss provision to net charge-offs | 1,459.3496% | 626 |
| Earnings coverage of net charge-offs (x) | 66.3089% | 1,034 |
| Efficiency ratio | 62.4954% | 2,993 |
| Assets per employee ($millions) | 4.6953% | 3,604 |
| Cash dividends to net income (ytd only)* | 97.6492% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,635 |
| Loan loss allowance to noncurrent loans | 421.2564% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 3,519 |
| Noncurrent loans to loans | 0.2411% | 3,440 |
| Net loans and leases to total assets | 74.8216% | 1,263 |
| Net loans and leases to deposits | 87.7289% | 1,518 |
| Net loans and leases to core deposits | 92.8479% | 1,721 |
| Total domestic deposits to total assets | 85.2873% | 2,323 |
| Equity capital to assets | 8.6427% | 4,376 |
| Core capital (leverage) ratio | 8.1447% | 4,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6018% | 2,760 |
| Memoranda: | ||
| Average total assets | $682,473,750 | 1,188 |
| Average earning assets | $643,066,250 | 1,170 |
| Average equity | $60,247,250 | 1,432 |
| Average total loans | $495,870,250 | 1,135 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4584% | 2,043 |
| Cost of funding earning assets | 0.5820% | 3,071 |
| Net interest margin | 3.8763% | 1,633 |
| Noninterest income to average assets | 0.5901% | 2,168 |
| Noninterest expense to average assets | 2.7094% | 2,357 |
| Loan and lease loss provision to assets | 0.5049% | 705 |
| Net operating income to assets | 0.8645% | 2,827 |
| Return on assets (ROA) | 0.9279% | 2,718 |
| Pretax return on assets | 1.0956% | 2,719 |
| Return on Equity (ROE) | 10.4283% | 1,837 |
| Retained earnings to average equity (ytd only) | -6.4410% | 4,829 |
| Net charge-offs to loans | 0.0348% | 2,043 |
| Credit loss provision to net charge-offs | 2,030.4878% | 472 |
| Earnings coverage of net charge-offs (x) | 61.3659% | 948 |
| Efficiency ratio | 63.8720% | 2,841 |
| Assets per employee ($millions) | 4.6012% | 3,652 |
| Cash dividends to net income (ytd only)* | 161.7647% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0392% | 3,372 |
| Loan loss allowance to noncurrent loans | 463.8889% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 3,698 |
| Noncurrent loans to loans | 0.2240% | 3,578 |
| Net loans and leases to total assets | 72.9877% | 1,558 |
| Net loans and leases to deposits | 85.3325% | 1,843 |
| Net loans and leases to core deposits | 90.3227% | 2,053 |
| Total domestic deposits to total assets | 85.5333% | 2,185 |
| Equity capital to assets | 8.4845% | 4,485 |
| Core capital (leverage) ratio | 8.0355% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6894% | 2,737 |
| Memoranda: | ||
| Average total assets | $659,547,000 | 1,199 |
| Average earning assets | $620,225,333 | 1,191 |
| Average equity | $58,686,667 | 1,451 |
| Average total loans | $471,871,333 | 1,173 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 2,116 |
| Cost of funding earning assets | 0.6988% | 2,935 |
| Net interest margin | 3.8660% | 1,773 |
| Noninterest income to average assets | 0.6301% | 1,904 |
| Noninterest expense to average assets | 2.9755% | 1,940 |
| Loan and lease loss provision to assets | 0.2876% | 1,079 |
| Net operating income to assets | 0.8370% | 2,761 |
| Return on assets (ROA) | 0.9035% | 2,619 |
| Pretax return on assets | 1.0670% | 2,616 |
| Return on Equity (ROE) | 9.8792% | 1,789 |
| Retained earnings to average equity (ytd only) | -21.2142% | 4,979 |
| Net charge-offs to loans | 0.0672% | 1,354 |
| Credit loss provision to net charge-offs | 609.5890% | 786 |
| Earnings coverage of net charge-offs (x) | 27.0548% | 1,240 |
| Efficiency ratio | 69.8738% | 2,371 |
| Assets per employee ($millions) | 4.0690% | 3,828 |
| Cash dividends to net income (ytd only)* | 314.7353% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 3,924 |
| Loan loss allowance to noncurrent loans | 402.5225% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,825 |
| Noncurrent loans to loans | 0.2364% | 3,637 |
| Net loans and leases to total assets | 70.1350% | 2,229 |
| Net loans and leases to deposits | 82.5855% | 2,372 |
| Net loans and leases to core deposits | 90.0033% | 2,345 |
| Total domestic deposits to total assets | 84.9241% | 2,439 |
| Equity capital to assets | 9.1956% | 4,470 |
| Core capital (leverage) ratio | 8.8186% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4954% | 2,933 |
| Memoranda: | ||
| Average total assets | $618,922,500 | 1,233 |
| Average earning assets | $579,829,500 | 1,224 |
| Average equity | $56,603,500 | 1,487 |
| Average total loans | $434,623,000 | 1,213 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 3,462 |
| Cost of funding earning assets | 0.7620% | 2,860 |
| Net interest margin | 3.5660% | 3,241 |
| Noninterest income to average assets | 0.7663% | 1,559 |
| Noninterest expense to average assets | 2.8299% | 2,505 |
| Loan and lease loss provision to assets | 0.0978% | 2,095 |
| Net operating income to assets | 1.0031% | 2,834 |
| Return on assets (ROA) | 1.0199% | 2,860 |
| Pretax return on assets | 1.1847% | 2,892 |
| Return on Equity (ROE) | 11.3576% | 1,745 |
| Retained earnings to average equity (ytd only) | 7.1420% | 1,331 |
| Net charge-offs to loans | 0.0024% | 3,606 |
| Credit loss provision to net charge-offs | 5,944.4444% | 78 |
| Earnings coverage of net charge-offs (x) | 767.3333% | 133 |
| Efficiency ratio | 69.1421% | 2,296 |
| Assets per employee ($millions) | 4.0465% | 3,850 |
| Cash dividends to net income (ytd only)* | 37.1167% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 3,346 |
| Loan loss allowance to noncurrent loans | 668.0261% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,091 |
| Noncurrent loans to loans | 0.1534% | 3,914 |
| Net loans and leases to total assets | 68.8333% | 2,565 |
| Net loans and leases to deposits | 80.8071% | 2,684 |
| Net loans and leases to core deposits | 87.7977% | 2,625 |
| Total domestic deposits to total assets | 85.1822% | 2,428 |
| Equity capital to assets | 9.0877% | 4,643 |
| Core capital (leverage) ratio | 8.8857% | 4,610 |
| Tier 1 risk-based capital ratio | 11.5117% | 4,620 |
| Total risk-based capital ratio | 12.4524% | 4,669 |
| Memoranda: | ||
| Average total assets | $546,798,400 | 1,314 |
| Average earning assets | $510,088,200 | 1,309 |
| Average equity | $49,103,600 | 1,628 |
| Average total loans | $367,927,800 | 1,362 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 3,585 |
| Cost of funding earning assets | 0.7710% | 2,863 |
| Net interest margin | 3.5517% | 3,400 |
| Noninterest income to average assets | 0.7856% | 1,465 |
| Noninterest expense to average assets | 2.8684% | 2,349 |
| Loan and lease loss provision to assets | 0.0864% | 2,188 |
| Net operating income to assets | 0.9869% | 3,026 |
| Return on assets (ROA) | 1.0099% | 3,028 |
| Pretax return on assets | 1.1647% | 3,090 |
| Return on Equity (ROE) | 11.2817% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.5913% | 2,062 |
| Net charge-offs to loans | 0.0037% | 3,279 |
| Credit loss provision to net charge-offs | 3,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 496.0113% | 200 |
| Efficiency ratio | 70.0778% | 2,102 |
| Assets per employee ($millions) | 3.9968% | 3,910 |
| Cash dividends to net income (ytd only)* | 41.5750% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 3,504 |
| Loan loss allowance to noncurrent loans | 878.4270% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,326 |
| Noncurrent loans to loans | 0.1152% | 4,131 |
| Net loans and leases to total assets | 67.8470% | 2,810 |
| Net loans and leases to deposits | 78.4015% | 3,058 |
| Net loans and leases to core deposits | 85.1808% | 2,973 |
| Total domestic deposits to total assets | 86.5379% | 1,748 |
| Equity capital to assets | 9.0717% | 4,743 |
| Core capital (leverage) ratio | 8.8731% | 4,730 |
| Tier 1 risk-based capital ratio | 11.5471% | 4,646 |
| Total risk-based capital ratio | 12.4684% | 4,701 |
| Memoranda: | ||
| Average total assets | $539,847,750 | 1,339 |
| Average earning assets | $502,728,750 | 1,330 |
| Average equity | $48,325,000 | 1,648 |
| Average total loans | $360,006,750 | 1,394 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 3,728 |
| Cost of funding earning assets | 0.7551% | 2,872 |
| Net interest margin | 3.5154% | 3,548 |
| Noninterest income to average assets | 0.6865% | 1,775 |
| Noninterest expense to average assets | 2.8916% | 2,303 |
| Loan and lease loss provision to assets | 0.0827% | 2,187 |
| Net operating income to assets | 0.8543% | 3,457 |
| Return on assets (ROA) | 0.8546% | 3,513 |
| Pretax return on assets | 0.9873% | 3,592 |
| Return on Equity (ROE) | 9.5923% | 2,595 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,371 |
| Net charge-offs to loans | 0.0006% | 3,161 |
| Credit loss provision to net charge-offs | 22,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 2,845.0000% | 14 |
| Efficiency ratio | 72.9973% | 1,775 |
| Assets per employee ($millions) | 4.0029% | 3,856 |
| Cash dividends to net income (ytd only)* | 39.5952% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,497 |
| Loan loss allowance to noncurrent loans | 481.9338% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1423% | 4,054 |
| Noncurrent loans to loans | 0.2120% | 3,780 |
| Net loans and leases to total assets | 66.4457% | 3,047 |
| Net loans and leases to deposits | 77.7294% | 3,170 |
| Net loans and leases to core deposits | 84.7165% | 3,056 |
| Total domestic deposits to total assets | 85.4833% | 2,269 |
| Equity capital to assets | 8.9690% | 4,812 |
| Core capital (leverage) ratio | 8.8846% | 4,726 |
| Tier 1 risk-based capital ratio | 11.6809% | 4,587 |
| Total risk-based capital ratio | 12.6030% | 4,658 |
| Memoranda: | ||
| Average total assets | $531,949,330 | 1,354 |
| Average earning assets | $495,533,330 | 1,348 |
| Average equity | $47,392,330 | 1,669 |
| Average total loans | $351,257,000 | 1,427 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 3,823 |
| Cost of funding earning assets | 0.7215% | 2,936 |
| Net interest margin | 3.4906% | 3,614 |
| Noninterest income to average assets | 0.6540% | 1,805 |
| Noninterest expense to average assets | 2.8874% | 2,310 |
| Loan and lease loss provision to assets | 0.0805% | 2,089 |
| Net operating income to assets | 0.8151% | 3,567 |
| Return on assets (ROA) | 0.8158% | 3,604 |
| Pretax return on assets | 0.9361% | 3,654 |
| Return on Equity (ROE) | 9.1890% | 2,712 |
| Retained earnings to average equity (ytd only) | 5.3027% | 2,775 |
| Net charge-offs to loans | 0.0211% | 2,031 |
| Credit loss provision to net charge-offs | 583.3333% | 551 |
| Earnings coverage of net charge-offs (x) | 73.6111% | 819 |
| Efficiency ratio | 73.9737% | 1,756 |
| Assets per employee ($millions) | 3.8744% | 4,096 |
| Cash dividends to net income (ytd only)* | 42.2932% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,410 |
| Loan loss allowance to noncurrent loans | 447.4908% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 4,031 |
| Noncurrent loans to loans | 0.2346% | 3,735 |
| Net loans and leases to total assets | 65.4096% | 3,124 |
| Net loans and leases to deposits | 75.0290% | 3,349 |
| Net loans and leases to core deposits | 81.5337% | 3,223 |
| Total domestic deposits to total assets | 87.1791% | 1,725 |
| Equity capital to assets | 8.9937% | 4,687 |
| Core capital (leverage) ratio | 9.1116% | 4,562 |
| Tier 1 risk-based capital ratio | 12.1444% | 4,385 |
| Total risk-based capital ratio | 13.0846% | 4,449 |
| Memoranda: | ||
| Average total assets | $521,724,000 | 1,383 |
| Average earning assets | $485,648,500 | 1,378 |
| Average equity | $46,316,000 | 1,691 |
| Average total loans | $341,468,500 | 1,476 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 3,632 |
| Cost of funding earning assets | 0.4850% | 3,444 |
| Net interest margin | 3.6518% | 3,214 |
| Noninterest income to average assets | 0.7139% | 1,792 |
| Noninterest expense to average assets | 2.9456% | 2,201 |
| Loan and lease loss provision to assets | -0.1007% | 5,269 |
| Net operating income to assets | 1.0468% | 2,818 |
| Return on assets (ROA) | 1.1396% | 2,437 |
| Pretax return on assets | 1.3700% | 2,237 |
| Return on Equity (ROE) | 13.2423% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.9195% | 632 |
| Net charge-offs to loans | -0.2664% | 5,299 |
| Credit loss provision to net charge-offs | 59.2417% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7890% | 1,934 |
| Assets per employee ($millions) | 3.8837% | 4,051 |
| Cash dividends to net income (ytd only)* | 25.0928% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,285 |
| Loan loss allowance to noncurrent loans | 396.1154% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,934 |
| Noncurrent loans to loans | 0.2693% | 3,613 |
| Net loans and leases to total assets | 64.0925% | 3,351 |
| Net loans and leases to deposits | 74.8044% | 3,437 |
| Net loans and leases to core deposits | 80.9757% | 3,352 |
| Total domestic deposits to total assets | 85.6802% | 2,367 |
| Equity capital to assets | 8.7589% | 4,760 |
| Core capital (leverage) ratio | 9.0839% | 4,573 |
| Tier 1 risk-based capital ratio | 12.6941% | 4,014 |
| Total risk-based capital ratio | 13.6661% | 4,058 |
| Memoranda: | ||
| Average total assets | $496,577,600 | 1,416 |
| Average earning assets | $460,867,400 | 1,411 |
| Average equity | $42,734,200 | 1,745 |
| Average total loans | $316,867,600 | 1,528 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,647 |
| Cost of funding earning assets | 0.4518% | 3,513 |
| Net interest margin | 3.6439% | 3,211 |
| Noninterest income to average assets | 0.6995% | 1,863 |
| Noninterest expense to average assets | 2.9354% | 2,210 |
| Loan and lease loss provision to assets | 0.0746% | 2,466 |
| Net operating income to assets | 0.8882% | 3,592 |
| Return on assets (ROA) | 1.0193% | 3,022 |
| Pretax return on assets | 1.2270% | 2,889 |
| Return on Equity (ROE) | 11.8995% | 1,825 |
| Retained earnings to average equity (ytd only) | 8.5431% | 1,402 |
| Net charge-offs to loans | -0.0162% | 4,559 |
| Credit loss provision to net charge-offs | -723.6842% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9614% | 1,884 |
| Assets per employee ($millions) | 3.8898% | 4,055 |
| Cash dividends to net income (ytd only)* | 28.2065% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,369 |
| Loan loss allowance to noncurrent loans | 335.6736% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 3,911 |
| Noncurrent loans to loans | 0.3181% | 3,528 |
| Net loans and leases to total assets | 64.3304% | 3,387 |
| Net loans and leases to deposits | 74.3949% | 3,559 |
| Net loans and leases to core deposits | 78.7625% | 3,593 |
| Total domestic deposits to total assets | 86.4715% | 1,979 |
| Equity capital to assets | 8.2964% | 5,035 |
| Core capital (leverage) ratio | 8.9362% | 4,762 |
| Tier 1 risk-based capital ratio | 12.4140% | 4,243 |
| Total risk-based capital ratio | 13.3885% | 4,314 |
| Memoranda: | ||
| Average total assets | $491,588,000 | 1,435 |
| Average earning assets | $455,951,250 | 1,432 |
| Average equity | $42,107,000 | 1,777 |
| Average total loans | $312,427,000 | 1,546 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,615 |
| Cost of funding earning assets | 0.4220% | 3,557 |
| Net interest margin | 3.6270% | 3,214 |
| Noninterest income to average assets | 0.6915% | 1,904 |
| Noninterest expense to average assets | 2.9650% | 2,150 |
| Loan and lease loss provision to assets | 0.0659% | 2,583 |
| Net operating income to assets | 0.8448% | 3,701 |
| Return on assets (ROA) | 0.8431% | 3,707 |
| Pretax return on assets | 1.0218% | 3,595 |
| Return on Equity (ROE) | 9.7359% | 2,691 |
| Retained earnings to average equity (ytd only) | 6.4066% | 2,359 |
| Net charge-offs to loans | -0.0242% | 4,650 |
| Credit loss provision to net charge-offs | -432.4324% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1234% | 1,830 |
| Assets per employee ($millions) | 3.9455% | 3,990 |
| Cash dividends to net income (ytd only)* | 34.1964% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,439 |
| Loan loss allowance to noncurrent loans | 313.9450% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,913 |
| Noncurrent loans to loans | 0.3407% | 3,480 |
| Net loans and leases to total assets | 63.1711% | 3,495 |
| Net loans and leases to deposits | 73.6119% | 3,571 |
| Net loans and leases to core deposits | 77.7467% | 3,595 |
| Total domestic deposits to total assets | 85.8163% | 2,363 |
| Equity capital to assets | 8.3999% | 5,014 |
| Core capital (leverage) ratio | 8.7446% | 4,931 |
| Tier 1 risk-based capital ratio | 12.1994% | 4,372 |
| Total risk-based capital ratio | 13.1543% | 4,438 |
| Memoranda: | ||
| Average total assets | $485,594,670 | 1,453 |
| Average earning assets | $450,289,330 | 1,456 |
| Average equity | $42,050,670 | 1,788 |
| Average total loans | $306,121,000 | 1,572 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 3,724 |
| Cost of funding earning assets | 0.3861% | 3,687 |
| Net interest margin | 3.5832% | 3,243 |
| Noninterest income to average assets | 0.6755% | 1,932 |
| Noninterest expense to average assets | 2.9658% | 2,159 |
| Loan and lease loss provision to assets | 0.0837% | 2,125 |
| Net operating income to assets | 0.7887% | 3,758 |
| Return on assets (ROA) | 0.7852% | 3,766 |
| Pretax return on assets | 0.9392% | 3,732 |
| Return on Equity (ROE) | 8.9267% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,904 |
| Net charge-offs to loans | 0.0027% | 2,644 |
| Credit loss provision to net charge-offs | 5,000.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 613.5000% | 103 |
| Efficiency ratio | 74.2767% | 1,860 |
| Assets per employee ($millions) | 3.8961% | 4,156 |
| Cash dividends to net income (ytd only)* | 37.3134% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 3,428 |
| Loan loss allowance to noncurrent loans | 402.7879% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 4,238 |
| Noncurrent loans to loans | 0.2714% | 3,798 |
| Net loans and leases to total assets | 61.7396% | 3,577 |
| Net loans and leases to deposits | 74.4041% | 3,373 |
| Net loans and leases to core deposits | 78.9012% | 3,414 |
| Total domestic deposits to total assets | 82.9787% | 3,674 |
| Equity capital to assets | 8.5448% | 4,938 |
| Core capital (leverage) ratio | 9.0176% | 4,661 |
| Tier 1 risk-based capital ratio | 12.6046% | 4,173 |
| Total risk-based capital ratio | 13.5796% | 4,250 |
| Memoranda: | ||
| Average total assets | $477,854,000 | 1,480 |
| Average earning assets | $442,394,000 | 1,482 |
| Average equity | $42,031,000 | 1,796 |
| Average total loans | $299,203,000 | 1,605 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 3,818 |
| Cost of funding earning assets | 0.3283% | 3,891 |
| Net interest margin | 3.5425% | 3,367 |
| Noninterest income to average assets | 0.6941% | 1,990 |
| Noninterest expense to average assets | 2.9785% | 2,223 |
| Loan and lease loss provision to assets | 0.1030% | 2,167 |
| Net operating income to assets | 0.6558% | 3,796 |
| Return on assets (ROA) | 0.6759% | 3,754 |
| Pretax return on assets | 0.9027% | 3,918 |
| Return on Equity (ROE) | 7.4029% | 3,075 |
| Retained earnings to average equity (ytd only) | 4.0183% | 2,786 |
| Net charge-offs to loans | 0.1316% | 1,738 |
| Credit loss provision to net charge-offs | 127.7174% | 2,060 |
| Earnings coverage of net charge-offs (x) | 12.1386% | 2,501 |
| Efficiency ratio | 75.2630% | 1,723 |
| Assets per employee ($millions) | 3.7496% | 4,361 |
| Cash dividends to net income (ytd only)* | 45.7198% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,382 |
| Loan loss allowance to noncurrent loans | 373.2639% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,153 |
| Noncurrent loans to loans | 0.2935% | 3,728 |
| Net loans and leases to total assets | 62.1253% | 3,600 |
| Net loans and leases to deposits | 76.0157% | 3,326 |
| Net loans and leases to core deposits | 78.7915% | 3,522 |
| Total domestic deposits to total assets | 81.7269% | 3,938 |
| Equity capital to assets | 9.0565% | 4,662 |
| Core capital (leverage) ratio | 8.9998% | 4,655 |
| Tier 1 risk-based capital ratio | 12.6359% | 4,126 |
| Total risk-based capital ratio | 13.5977% | 4,209 |
| Memoranda: | ||
| Average total assets | $456,304,800 | 1,528 |
| Average earning assets | $420,354,600 | 1,531 |
| Average equity | $41,659,400 | 1,790 |
| Average total loans | $279,603,800 | 1,660 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8205% | 3,936 |
| Cost of funding earning assets | 0.3136% | 3,995 |
| Net interest margin | 3.5069% | 3,483 |
| Noninterest income to average assets | 0.6866% | 2,055 |
| Noninterest expense to average assets | 2.9758% | 2,178 |
| Loan and lease loss provision to assets | 0.1206% | 1,797 |
| Net operating income to assets | 0.6690% | 4,125 |
| Return on assets (ROA) | 0.6984% | 4,056 |
| Pretax return on assets | 0.8535% | 4,199 |
| Return on Equity (ROE) | 7.6341% | 3,329 |
| Retained earnings to average equity (ytd only) | 4.2254% | 3,385 |
| Net charge-offs to loans | 0.1638% | 1,262 |
| Credit loss provision to net charge-offs | 120.9440% | 1,996 |
| Earnings coverage of net charge-offs (x) | 9.4070% | 2,696 |
| Efficiency ratio | 76.0298% | 1,584 |
| Assets per employee ($millions) | 3.8244% | 4,273 |
| Cash dividends to net income (ytd only)* | 44.6505% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,471 |
| Loan loss allowance to noncurrent loans | 326.2513% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 4,245 |
| Noncurrent loans to loans | 0.3378% | 3,739 |
| Net loans and leases to total assets | 60.9234% | 3,775 |
| Net loans and leases to deposits | 74.6397% | 3,506 |
| Net loans and leases to core deposits | 77.3515% | 3,692 |
| Total domestic deposits to total assets | 81.6234% | 3,889 |
| Equity capital to assets | 9.0333% | 4,886 |
| Core capital (leverage) ratio | 9.0496% | 4,688 |
| Tier 1 risk-based capital ratio | 12.7863% | 4,145 |
| Total risk-based capital ratio | 13.7581% | 4,223 |
| Memoranda: | ||
| Average total assets | $453,205,750 | 1,549 |
| Average earning assets | $417,069,000 | 1,555 |
| Average equity | $41,462,250 | 1,817 |
| Average total loans | $275,903,000 | 1,685 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 3,910 |
| Cost of funding earning assets | 0.3032% | 4,049 |
| Net interest margin | 3.4921% | 3,431 |
| Noninterest income to average assets | 0.6740% | 2,106 |
| Noninterest expense to average assets | 3.0263% | 2,050 |
| Loan and lease loss provision to assets | 0.1430% | 1,427 |
| Net operating income to assets | 0.6027% | 4,296 |
| Return on assets (ROA) | 0.6342% | 4,193 |
| Pretax return on assets | 0.7540% | 4,423 |
| Return on Equity (ROE) | 6.9020% | 3,606 |
| Retained earnings to average equity (ytd only) | 3.4486% | 3,661 |
| Net charge-offs to loans | 0.2632% | 779 |
| Credit loss provision to net charge-offs | 89.6359% | 2,146 |
| Earnings coverage of net charge-offs (x) | 5.3866% | 2,830 |
| Efficiency ratio | 77.8813% | 1,477 |
| Assets per employee ($millions) | 3.7399% | 4,372 |
| Cash dividends to net income (ytd only)* | 50.0352% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,441 |
| Loan loss allowance to noncurrent loans | 258.8926% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,013 |
| Noncurrent loans to loans | 0.4348% | 3,455 |
| Net loans and leases to total assets | 59.4015% | 3,894 |
| Net loans and leases to deposits | 72.3716% | 3,701 |
| Net loans and leases to core deposits | 75.2347% | 3,838 |
| Total domestic deposits to total assets | 82.0785% | 3,862 |
| Equity capital to assets | 9.1708% | 4,744 |
| Core capital (leverage) ratio | 9.0611% | 4,653 |
| Tier 1 risk-based capital ratio | 13.2118% | 3,866 |
| Total risk-based capital ratio | 14.1962% | 3,955 |
| Memoranda: | ||
| Average total assets | $447,473,670 | 1,570 |
| Average earning assets | $411,556,000 | 1,573 |
| Average equity | $41,118,670 | 1,828 |
| Average total loans | $271,277,670 | 1,714 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 3,974 |
| Cost of funding earning assets | 0.2799% | 4,260 |
| Net interest margin | 3.4600% | 3,419 |
| Noninterest income to average assets | 0.6735% | 2,072 |
| Noninterest expense to average assets | 3.0433% | 2,037 |
| Loan and lease loss provision to assets | 0.2302% | 677 |
| Net operating income to assets | 0.5172% | 4,526 |
| Return on assets (ROA) | 0.5308% | 4,505 |
| Pretax return on assets | 0.5958% | 4,744 |
| Return on Equity (ROE) | 5.7709% | 4,010 |
| Retained earnings to average equity (ytd only) | 2.4831% | 4,147 |
| Net charge-offs to loans | 0.0104% | 2,620 |
| Credit loss provision to net charge-offs | 3,642.8571% | 90 |
| Earnings coverage of net charge-offs (x) | 128.2857% | 426 |
| Efficiency ratio | 78.9646% | 1,491 |
| Assets per employee ($millions) | 3.4875% | 4,802 |
| Cash dividends to net income (ytd only)* | 56.9728% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,916 |
| Loan loss allowance to noncurrent loans | 99.1179% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 2,395 |
| Noncurrent loans to loans | 1.2452% | 1,622 |
| Net loans and leases to total assets | 60.4320% | 3,738 |
| Net loans and leases to deposits | 73.5255% | 3,449 |
| Net loans and leases to core deposits | 76.5730% | 3,601 |
| Total domestic deposits to total assets | 82.1920% | 4,115 |
| Equity capital to assets | 9.1822% | 4,634 |
| Core capital (leverage) ratio | 9.2295% | 4,436 |
| Tier 1 risk-based capital ratio | 13.2673% | 3,904 |
| Total risk-based capital ratio | 14.3591% | 3,920 |
| Memoranda: | ||
| Average total assets | $443,074,000 | 1,591 |
| Average earning assets | $407,280,500 | 1,601 |
| Average equity | $40,756,000 | 1,839 |
| Average total loans | $269,857,000 | 1,729 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 3,886 |
| Cost of funding earning assets | 0.2385% | 4,669 |
| Net interest margin | 3.5687% | 3,192 |
| Noninterest income to average assets | 0.6658% | 2,340 |
| Noninterest expense to average assets | 2.9971% | 2,364 |
| Loan and lease loss provision to assets | 0.3481% | 490 |
| Net operating income to assets | 0.5297% | 4,512 |
| Return on assets (ROA) | 0.5857% | 4,379 |
| Pretax return on assets | 0.6861% | 4,537 |
| Return on Equity (ROE) | 6.0706% | 3,947 |
| Retained earnings to average equity (ytd only) | 3.4554% | 3,467 |
| Net charge-offs to loans | 0.3617% | 755 |
| Credit loss provision to net charge-offs | 161.6052% | 1,713 |
| Earnings coverage of net charge-offs (x) | 4.4957% | 3,489 |
| Efficiency ratio | 75.5803% | 2,049 |
| Assets per employee ($millions) | 3.5464% | 4,683 |
| Cash dividends to net income (ytd only)* | 43.0794% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,299 |
| Loan loss allowance to noncurrent loans | 200.5780% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 3,865 |
| Noncurrent loans to loans | 0.5841% | 3,096 |
| Net loans and leases to total assets | 59.9096% | 3,864 |
| Net loans and leases to deposits | 74.1162% | 3,502 |
| Net loans and leases to core deposits | 77.2906% | 3,623 |
| Total domestic deposits to total assets | 80.8320% | 4,381 |
| Equity capital to assets | 9.2149% | 4,566 |
| Core capital (leverage) ratio | 9.3396% | 4,298 |
| Tier 1 risk-based capital ratio | 13.3316% | 3,875 |
| Total risk-based capital ratio | 14.3543% | 3,918 |
| Memoranda: | ||
| Average total assets | $428,042,600 | 1,590 |
| Average earning assets | $395,778,200 | 1,592 |
| Average equity | $41,297,200 | 1,789 |
| Average total loans | $254,878,800 | 1,768 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 3,857 |
| Cost of funding earning assets | 0.2355% | 4,744 |
| Net interest margin | 3.5878% | 3,121 |
| Noninterest income to average assets | 0.6527% | 2,403 |
| Noninterest expense to average assets | 2.9968% | 2,327 |
| Loan and lease loss provision to assets | 0.4234% | 334 |
| Net operating income to assets | 0.4792% | 4,771 |
| Return on assets (ROA) | 0.5501% | 4,601 |
| Pretax return on assets | 0.6348% | 4,781 |
| Return on Equity (ROE) | 5.6365% | 4,254 |
| Retained earnings to average equity (ytd only) | 3.3067% | 3,920 |
| Net charge-offs to loans | 0.1169% | 1,783 |
| Credit loss provision to net charge-offs | 610.8597% | 606 |
| Earnings coverage of net charge-offs (x) | 14.0905% | 2,259 |
| Efficiency ratio | 75.4203% | 2,046 |
| Assets per employee ($millions) | 3.3992% | 4,910 |
| Cash dividends to net income (ytd only)* | 41.3340% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 2,181 |
| Loan loss allowance to noncurrent loans | 156.2341% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.5485% | 3,266 |
| Noncurrent loans to loans | 0.8990% | 2,453 |
| Net loans and leases to total assets | 59.9064% | 3,889 |
| Net loans and leases to deposits | 73.2586% | 3,668 |
| Net loans and leases to core deposits | 76.1554% | 3,816 |
| Total domestic deposits to total assets | 81.7739% | 4,016 |
| Equity capital to assets | 9.8007% | 4,361 |
| Core capital (leverage) ratio | 9.4411% | 4,269 |
| Tier 1 risk-based capital ratio | 13.4618% | 3,882 |
| Total risk-based capital ratio | 14.6920% | 3,806 |
| Memoranda: | ||
| Average total assets | $425,114,750 | 1,595 |
| Average earning assets | $393,470,750 | 1,599 |
| Average equity | $41,490,750 | 1,799 |
| Average total loans | $251,954,000 | 1,781 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,131 |
| Cost of funding earning assets | 0.2319% | 4,832 |
| Net interest margin | 3.5165% | 3,428 |
| Noninterest income to average assets | 0.6256% | 2,482 |
| Noninterest expense to average assets | 2.9958% | 2,362 |
| Loan and lease loss provision to assets | 0.5741% | 201 |
| Net operating income to assets | 0.3093% | 5,296 |
| Return on assets (ROA) | 0.3887% | 5,146 |
| Pretax return on assets | 0.3906% | 5,359 |
| Return on Equity (ROE) | 3.9885% | 4,918 |
| Retained earnings to average equity (ytd only) | 0.4707% | 5,161 |
| Net charge-offs to loans | 0.1642% | 1,352 |
| Credit loss provision to net charge-offs | 595.0980% | 576 |
| Earnings coverage of net charge-offs (x) | 9.1765% | 2,438 |
| Efficiency ratio | 77.1902% | 1,899 |
| Assets per employee ($millions) | 3.5127% | 4,735 |
| Cash dividends to net income (ytd only)* | 88.1995% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 2,356 |
| Loan loss allowance to noncurrent loans | 58.9714% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.4110% | 1,387 |
| Noncurrent loans to loans | 2.3499% | 766 |
| Net loans and leases to total assets | 59.2137% | 3,984 |
| Net loans and leases to deposits | 73.1920% | 3,686 |
| Net loans and leases to core deposits | 76.3123% | 3,791 |
| Total domestic deposits to total assets | 80.9018% | 4,304 |
| Equity capital to assets | 9.7324% | 4,529 |
| Core capital (leverage) ratio | 9.2492% | 4,523 |
| Tier 1 risk-based capital ratio | 13.3733% | 3,976 |
| Total risk-based capital ratio | 14.5843% | 3,912 |
| Memoranda: | ||
| Average total assets | $422,921,330 | 1,605 |
| Average earning assets | $391,524,670 | 1,604 |
| Average equity | $41,218,000 | 1,804 |
| Average total loans | $248,506,330 | 1,803 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,064 |
| Cost of funding earning assets | 0.2303% | 4,899 |
| Net interest margin | 3.5389% | 3,323 |
| Noninterest income to average assets | 0.6132% | 2,454 |
| Noninterest expense to average assets | 3.0011% | 2,388 |
| Loan and lease loss provision to assets | 0.1238% | 1,707 |
| Net operating income to assets | 0.6235% | 4,084 |
| Return on assets (ROA) | 0.6922% | 3,862 |
| Pretax return on assets | 0.8493% | 4,034 |
| Return on Equity (ROE) | 7.0974% | 3,405 |
| Retained earnings to average equity (ytd only) | 3.6805% | 3,653 |
| Net charge-offs to loans | 0.0361% | 2,255 |
| Credit loss provision to net charge-offs | 590.9091% | 536 |
| Earnings coverage of net charge-offs (x) | 42.4545% | 979 |
| Efficiency ratio | 77.1415% | 2,019 |
| Assets per employee ($millions) | 3.4188% | 4,931 |
| Cash dividends to net income (ytd only)* | 48.1431% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,177 |
| Loan loss allowance to noncurrent loans | 79.3741% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.9077% | 2,422 |
| Noncurrent loans to loans | 1.3586% | 1,753 |
| Net loans and leases to total assets | 57.6211% | 4,085 |
| Net loans and leases to deposits | 70.5355% | 3,810 |
| Net loans and leases to core deposits | 73.7732% | 3,922 |
| Total domestic deposits to total assets | 81.6909% | 4,308 |
| Equity capital to assets | 9.7998% | 4,341 |
| Core capital (leverage) ratio | 9.5232% | 4,152 |
| Tier 1 risk-based capital ratio | 13.9921% | 3,704 |
| Total risk-based capital ratio | 14.9316% | 3,808 |
| Memoranda: | ||
| Average total assets | $420,108,000 | 1,611 |
| Average earning assets | $389,044,500 | 1,610 |
| Average equity | $40,973,000 | 1,808 |
| Average total loans | $244,097,000 | 1,836 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8471% | 3,892 |
| Cost of funding earning assets | 0.2423% | 4,861 |
| Net interest margin | 3.6048% | 3,118 |
| Noninterest income to average assets | 0.6778% | 2,302 |
| Noninterest expense to average assets | 3.0256% | 2,459 |
| Loan and lease loss provision to assets | 0.1455% | 1,626 |
| Net operating income to assets | 0.6945% | 3,835 |
| Return on assets (ROA) | 0.7091% | 3,879 |
| Pretax return on assets | 0.8733% | 3,940 |
| Return on Equity (ROE) | 7.2127% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.7016% | 3,417 |
| Net charge-offs to loans | 0.2086% | 1,412 |
| Credit loss provision to net charge-offs | 121.3992% | 2,126 |
| Earnings coverage of net charge-offs (x) | 8.3519% | 2,967 |
| Efficiency ratio | 75.1454% | 2,403 |
| Assets per employee ($millions) | 3.3571% | 5,054 |
| Cash dividends to net income (ytd only)* | 48.6787% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 4,263 |
| Loan loss allowance to noncurrent loans | 72.9583% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 2,263 |
| Noncurrent loans to loans | 1.4516% | 1,610 |
| Net loans and leases to total assets | 57.3411% | 4,165 |
| Net loans and leases to deposits | 69.6559% | 3,959 |
| Net loans and leases to core deposits | 72.7444% | 4,066 |
| Total domestic deposits to total assets | 82.3205% | 4,078 |
| Equity capital to assets | 9.7053% | 4,297 |
| Core capital (leverage) ratio | 9.4340% | 4,273 |
| Tier 1 risk-based capital ratio | 13.8984% | 3,772 |
| Total risk-based capital ratio | 14.8024% | 3,910 |
| Memoranda: | ||
| Average total assets | $405,601,000 | 1,627 |
| Average earning assets | $376,778,000 | 1,618 |
| Average equity | $39,874,200 | 1,806 |
| Average total loans | $232,988,600 | 1,849 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 3,892 |
| Cost of funding earning assets | 0.2467% | 4,916 |
| Net interest margin | 3.6130% | 3,106 |
| Noninterest income to average assets | 0.6730% | 2,367 |
| Noninterest expense to average assets | 3.0205% | 2,459 |
| Loan and lease loss provision to assets | 0.1317% | 1,709 |
| Net operating income to assets | 0.7091% | 3,864 |
| Return on assets (ROA) | 0.7286% | 3,879 |
| Pretax return on assets | 0.9037% | 3,971 |
| Return on Equity (ROE) | 7.3874% | 3,411 |
| Retained earnings to average equity (ytd only) | 3.9486% | 3,659 |
| Net charge-offs to loans | 0.1934% | 1,321 |
| Credit loss provision to net charge-offs | 118.8060% | 2,004 |
| Earnings coverage of net charge-offs (x) | 9.1223% | 2,733 |
| Efficiency ratio | 74.9179% | 2,415 |
| Assets per employee ($millions) | 3.2796% | 5,154 |
| Cash dividends to net income (ytd only)* | 46.5485% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 4,368 |
| Loan loss allowance to noncurrent loans | 77.3777% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 2,558 |
| Noncurrent loans to loans | 1.3872% | 1,842 |
| Net loans and leases to total assets | 56.0724% | 4,346 |
| Net loans and leases to deposits | 67.9694% | 4,192 |
| Net loans and leases to core deposits | 70.9215% | 4,286 |
| Total domestic deposits to total assets | 82.4966% | 3,994 |
| Equity capital to assets | 9.7646% | 4,426 |
| Core capital (leverage) ratio | 9.5491% | 4,238 |
| Tier 1 risk-based capital ratio | 14.2782% | 3,683 |
| Total risk-based capital ratio | 15.1989% | 3,814 |
| Memoranda: | ||
| Average total assets | $402,931,500 | 1,653 |
| Average earning assets | $374,563,000 | 1,637 |
| Average equity | $39,742,500 | 1,827 |
| Average total loans | $230,922,250 | 1,869 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,733 |
| Cost of funding earning assets | 0.2507% | 4,932 |
| Net interest margin | 3.6385% | 2,947 |
| Noninterest income to average assets | 0.6713% | 2,347 |
| Noninterest expense to average assets | 3.0303% | 2,462 |
| Loan and lease loss provision to assets | 0.1532% | 1,385 |
| Net operating income to assets | 0.7066% | 3,858 |
| Return on assets (ROA) | 0.7224% | 3,897 |
| Pretax return on assets | 0.8926% | 3,985 |
| Return on Equity (ROE) | 7.2989% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.7582% | 3,614 |
| Net charge-offs to loans | 0.2828% | 927 |
| Credit loss provision to net charge-offs | 94.1538% | 2,153 |
| Earnings coverage of net charge-offs (x) | 6.3077% | 2,802 |
| Efficiency ratio | 74.7007% | 2,575 |
| Assets per employee ($millions) | 3.2432% | 5,268 |
| Cash dividends to net income (ytd only)* | 48.5100% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 4,529 |
| Loan loss allowance to noncurrent loans | 106.9952% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6995% | 3,301 |
| Noncurrent loans to loans | 0.9927% | 2,658 |
| Net loans and leases to total assets | 56.3328% | 4,307 |
| Net loans and leases to deposits | 68.0264% | 4,131 |
| Net loans and leases to core deposits | 71.1720% | 4,209 |
| Total domestic deposits to total assets | 82.8102% | 4,028 |
| Equity capital to assets | 9.8025% | 4,274 |
| Core capital (leverage) ratio | 9.5362% | 4,233 |
| Tier 1 risk-based capital ratio | 14.4007% | 3,699 |
| Total risk-based capital ratio | 15.3092% | 3,832 |
| Memoranda: | ||
| Average total assets | $399,499,330 | 1,675 |
| Average earning assets | $371,693,330 | 1,655 |
| Average equity | $39,540,000 | 1,845 |
| Average total loans | $229,822,670 | 1,886 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 3,993 |
| Cost of funding earning assets | 0.2501% | 5,022 |
| Net interest margin | 3.5535% | 3,214 |
| Noninterest income to average assets | 0.6500% | 2,399 |
| Noninterest expense to average assets | 3.0701% | 2,366 |
| Loan and lease loss provision to assets | 0.0904% | 2,182 |
| Net operating income to assets | 0.6613% | 4,004 |
| Return on assets (ROA) | 0.6580% | 4,137 |
| Pretax return on assets | 0.7966% | 4,253 |
| Return on Equity (ROE) | 6.6163% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.0809% | 4,130 |
| Net charge-offs to loans | 0.2033% | 1,120 |
| Credit loss provision to net charge-offs | 76.9231% | 1,858 |
| Earnings coverage of net charge-offs (x) | 7.5812% | 2,158 |
| Efficiency ratio | 77.5044% | 2,267 |
| Assets per employee ($millions) | 3.2768% | 5,280 |
| Cash dividends to net income (ytd only)* | 53.4351% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 4,783 |
| Loan loss allowance to noncurrent loans | 370.7951% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 4,746 |
| Noncurrent loans to loans | 0.2822% | 4,763 |
| Net loans and leases to total assets | 57.3740% | 4,039 |
| Net loans and leases to deposits | 69.3259% | 3,822 |
| Net loans and leases to core deposits | 72.5386% | 3,910 |
| Total domestic deposits to total assets | 82.7598% | 4,251 |
| Equity capital to assets | 9.9837% | 4,169 |
| Core capital (leverage) ratio | 9.6906% | 4,027 |
| Tier 1 risk-based capital ratio | 14.3113% | 3,822 |
| Total risk-based capital ratio | 15.2219% | 3,959 |
| Memoranda: | ||
| Average total assets | $398,168,000 | 1,683 |
| Average earning assets | $371,012,500 | 1,667 |
| Average equity | $39,599,000 | 1,853 |
| Average total loans | $230,243,500 | 1,870 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 3,883 |
| Cost of funding earning assets | 0.2752% | 5,050 |
| Net interest margin | 3.6824% | 3,075 |
| Noninterest income to average assets | 0.7231% | 2,200 |
| Noninterest expense to average assets | 3.1029% | 2,505 |
| Loan and lease loss provision to assets | 0.0539% | 3,479 |
| Net operating income to assets | 0.7993% | 3,379 |
| Return on assets (ROA) | 0.8285% | 3,322 |
| Pretax return on assets | 1.0390% | 3,356 |
| Return on Equity (ROE) | 8.3743% | 2,927 |
| Retained earnings to average equity (ytd only) | 5.1596% | 2,492 |
| Net charge-offs to loans | 0.1084% | 2,965 |
| Credit loss provision to net charge-offs | 84.7107% | 2,768 |
| Earnings coverage of net charge-offs (x) | 16.6074% | 1,999 |
| Efficiency ratio | 74.6019% | 2,731 |
| Assets per employee ($millions) | 3.2774% | 5,301 |
| Cash dividends to net income (ytd only)* | 38.3883% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 4,682 |
| Loan loss allowance to noncurrent loans | 221.4995% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 4,402 |
| Noncurrent loans to loans | 0.4840% | 4,214 |
| Net loans and leases to total assets | 57.0513% | 4,184 |
| Net loans and leases to deposits | 69.6853% | 3,957 |
| Net loans and leases to core deposits | 73.0986% | 4,017 |
| Total domestic deposits to total assets | 81.8699% | 4,467 |
| Equity capital to assets | 9.9065% | 4,227 |
| Core capital (leverage) ratio | 9.7146% | 3,954 |
| Tier 1 risk-based capital ratio | 14.3860% | 3,843 |
| Total risk-based capital ratio | 15.3190% | 3,965 |
| Memoranda: | ||
| Average total assets | $380,455,600 | 1,726 |
| Average earning assets | $355,011,800 | 1,686 |
| Average equity | $37,638,800 | 1,869 |
| Average total loans | $223,230,600 | 1,879 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,856 |
| Cost of funding earning assets | 0.2804% | 5,090 |
| Net interest margin | 3.6936% | 3,047 |
| Noninterest income to average assets | 0.7247% | 2,204 |
| Noninterest expense to average assets | 3.1244% | 2,398 |
| Loan and lease loss provision to assets | 0.0524% | 3,327 |
| Net operating income to assets | 0.7997% | 3,426 |
| Return on assets (ROA) | 0.8150% | 3,458 |
| Pretax return on assets | 1.0151% | 3,537 |
| Return on Equity (ROE) | 8.2411% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.0894% | 3,031 |
| Net charge-offs to loans | 0.1304% | 2,494 |
| Credit loss provision to net charge-offs | 68.2028% | 2,799 |
| Earnings coverage of net charge-offs (x) | 13.6404% | 2,209 |
| Efficiency ratio | 74.8748% | 2,680 |
| Assets per employee ($millions) | 3.2069% | 5,414 |
| Cash dividends to net income (ytd only)* | 38.2442% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 4,835 |
| Loan loss allowance to noncurrent loans | 215.2135% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 4,560 |
| Noncurrent loans to loans | 0.5025% | 4,423 |
| Net loans and leases to total assets | 57.0189% | 4,200 |
| Net loans and leases to deposits | 69.9686% | 3,920 |
| Net loans and leases to core deposits | 73.4270% | 4,005 |
| Total domestic deposits to total assets | 81.4922% | 4,665 |
| Equity capital to assets | 9.9135% | 4,280 |
| Core capital (leverage) ratio | 9.7566% | 3,987 |
| Tier 1 risk-based capital ratio | 14.5624% | 3,849 |
| Total risk-based capital ratio | 15.5072% | 3,970 |
| Memoranda: | ||
| Average total assets | $376,428,000 | 1,750 |
| Average earning assets | $351,412,250 | 1,712 |
| Average equity | $37,227,000 | 1,895 |
| Average total loans | $221,863,750 | 1,900 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9977% | 3,737 |
| Cost of funding earning assets | 0.2850% | 5,129 |
| Net interest margin | 3.7128% | 2,907 |
| Noninterest income to average assets | 0.6979% | 2,289 |
| Noninterest expense to average assets | 3.1168% | 2,430 |
| Loan and lease loss provision to assets | 0.0435% | 3,446 |
| Net operating income to assets | 0.8044% | 3,305 |
| Return on assets (ROA) | 0.8117% | 3,375 |
| Pretax return on assets | 1.0087% | 3,445 |
| Return on Equity (ROE) | 8.2144% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.2264% | 2,815 |
| Net charge-offs to loans | 0.1482% | 2,200 |
| Credit loss provision to net charge-offs | 49.3902% | 2,805 |
| Earnings coverage of net charge-offs (x) | 11.8476% | 2,109 |
| Efficiency ratio | 74.9258% | 2,819 |
| Assets per employee ($millions) | 3.1488% | 5,511 |
| Cash dividends to net income (ytd only)* | 36.3757% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,039 |
| Loan loss allowance to noncurrent loans | 122.3919% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 3,963 |
| Noncurrent loans to loans | 0.8713% | 3,527 |
| Net loans and leases to total assets | 58.5613% | 3,915 |
| Net loans and leases to deposits | 71.0765% | 3,696 |
| Net loans and leases to core deposits | 74.7054% | 3,760 |
| Total domestic deposits to total assets | 82.3919% | 4,509 |
| Equity capital to assets | 9.9960% | 4,112 |
| Core capital (leverage) ratio | 9.7685% | 3,934 |
| Tier 1 risk-based capital ratio | 14.3559% | 4,024 |
| Total risk-based capital ratio | 15.2934% | 4,167 |
| Memoranda: | ||
| Average total assets | $372,558,670 | 1,762 |
| Average earning assets | $347,397,330 | 1,724 |
| Average equity | $36,813,330 | 1,907 |
| Average total loans | $221,260,670 | 1,893 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9769% | 3,779 |
| Cost of funding earning assets | 0.2841% | 5,228 |
| Net interest margin | 3.6928% | 2,890 |
| Noninterest income to average assets | 0.6831% | 2,265 |
| Noninterest expense to average assets | 3.2025% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7566% | 3,375 |
| Return on assets (ROA) | 0.7602% | 3,443 |
| Pretax return on assets | 0.9285% | 3,594 |
| Return on Equity (ROE) | 7.7396% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.9755% | 3,122 |
| Net charge-offs to loans | 0.2756% | 1,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.6358% | 2,351 |
| Efficiency ratio | 77.6053% | 2,536 |
| Assets per employee ($millions) | 3.1725% | 5,568 |
| Cash dividends to net income (ytd only)* | 35.7143% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 5,249 |
| Loan loss allowance to noncurrent loans | 122.6772% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 4,312 |
| Noncurrent loans to loans | 0.8721% | 3,711 |
| Net loans and leases to total assets | 57.7286% | 3,896 |
| Net loans and leases to deposits | 69.7718% | 3,634 |
| Net loans and leases to core deposits | 73.8345% | 3,665 |
| Total domestic deposits to total assets | 82.7391% | 4,694 |
| Equity capital to assets | 9.8098% | 4,095 |
| Core capital (leverage) ratio | 9.8450% | 3,793 |
| Tier 1 risk-based capital ratio | 14.5098% | 4,002 |
| Total risk-based capital ratio | 15.4436% | 4,143 |
| Memoranda: | ||
| Average total assets | $368,337,500 | 1,785 |
| Average earning assets | $343,483,000 | 1,753 |
| Average equity | $36,177,500 | 1,926 |
| Average total loans | $219,129,000 | 1,903 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 4,074 |
| Cost of funding earning assets | 0.3261% | 5,368 |
| Net interest margin | 3.6781% | 3,142 |
| Noninterest income to average assets | 0.7670% | 2,231 |
| Noninterest expense to average assets | 3.1545% | 2,566 |
| Loan and lease loss provision to assets | 0.1204% | 2,812 |
| Net operating income to assets | 0.7529% | 3,532 |
| Return on assets (ROA) | 0.7908% | 3,438 |
| Pretax return on assets | 0.9766% | 3,443 |
| Return on Equity (ROE) | 8.9632% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.4217% | 2,336 |
| Net charge-offs to loans | 0.1408% | 3,402 |
| Credit loss provision to net charge-offs | 140.3974% | 1,660 |
| Earnings coverage of net charge-offs (x) | 12.2417% | 2,146 |
| Efficiency ratio | 75.0236% | 2,944 |
| Assets per employee ($millions) | 3.1235% | 5,629 |
| Cash dividends to net income (ytd only)* | 39.5115% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 4,989 |
| Loan loss allowance to noncurrent loans | 103.2794% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 3,567 |
| Noncurrent loans to loans | 1.0959% | 3,343 |
| Net loans and leases to total assets | 59.9810% | 3,727 |
| Net loans and leases to deposits | 72.4944% | 3,457 |
| Net loans and leases to core deposits | 76.7931% | 3,516 |
| Total domestic deposits to total assets | 82.7387% | 4,631 |
| Equity capital to assets | 9.8343% | 3,982 |
| Core capital (leverage) ratio | 9.9018% | 3,699 |
| Tier 1 risk-based capital ratio | 14.6077% | 3,895 |
| Total risk-based capital ratio | 15.6211% | 3,978 |
| Memoranda: | ||
| Average total assets | $352,042,000 | 1,841 |
| Average earning assets | $329,026,800 | 1,804 |
| Average equity | $31,060,200 | 2,188 |
| Average total loans | $214,467,400 | 1,899 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 4,167 |
| Cost of funding earning assets | 0.3382% | 5,406 |
| Net interest margin | 3.6520% | 3,226 |
| Noninterest income to average assets | 0.7634% | 2,303 |
| Noninterest expense to average assets | 3.1399% | 2,534 |
| Loan and lease loss provision to assets | 0.1484% | 2,419 |
| Net operating income to assets | 0.7223% | 3,741 |
| Return on assets (ROA) | 0.7634% | 3,671 |
| Pretax return on assets | 0.9370% | 3,734 |
| Return on Equity (ROE) | 8.9177% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.3524% | 2,826 |
| Net charge-offs to loans | 0.1689% | 2,864 |
| Credit loss provision to net charge-offs | 144.0741% | 1,630 |
| Earnings coverage of net charge-offs (x) | 10.0445% | 2,403 |
| Efficiency ratio | 75.2148% | 2,868 |
| Assets per employee ($millions) | 3.0751% | 5,727 |
| Cash dividends to net income (ytd only)* | 39.9801% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 5,131 |
| Loan loss allowance to noncurrent loans | 101.2627% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 3,820 |
| Noncurrent loans to loans | 1.1335% | 3,540 |
| Net loans and leases to total assets | 59.5074% | 3,775 |
| Net loans and leases to deposits | 71.5886% | 3,565 |
| Net loans and leases to core deposits | 76.7736% | 3,526 |
| Total domestic deposits to total assets | 83.1242% | 4,532 |
| Equity capital to assets | 9.8847% | 4,075 |
| Core capital (leverage) ratio | 10.0119% | 3,663 |
| Tier 1 risk-based capital ratio | 14.5642% | 4,037 |
| Total risk-based capital ratio | 15.5875% | 4,134 |
| Memoranda: | ||
| Average total assets | $349,471,250 | 1,866 |
| Average earning assets | $326,427,250 | 1,827 |
| Average equity | $29,917,250 | 2,275 |
| Average total loans | $213,130,750 | 1,910 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 4,102 |
| Cost of funding earning assets | 0.3539% | 5,364 |
| Net interest margin | 3.6478% | 3,183 |
| Noninterest income to average assets | 0.7577% | 2,379 |
| Noninterest expense to average assets | 3.1402% | 2,553 |
| Loan and lease loss provision to assets | 0.1480% | 2,485 |
| Net operating income to assets | 0.7163% | 3,735 |
| Return on assets (ROA) | 0.7785% | 3,574 |
| Pretax return on assets | 0.9600% | 3,679 |
| Return on Equity (ROE) | 9.6094% | 2,366 |
| Retained earnings to average equity (ytd only) | 6.0424% | 2,411 |
| Net charge-offs to loans | 0.1198% | 3,166 |
| Credit loss provision to net charge-offs | 201.5748% | 1,181 |
| Earnings coverage of net charge-offs (x) | 14.0472% | 1,853 |
| Efficiency ratio | 75.2806% | 2,899 |
| Assets per employee ($millions) | 2.9364% | 5,954 |
| Cash dividends to net income (ytd only)* | 37.1195% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,246 |
| Loan loss allowance to noncurrent loans | 226.7030% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 5,380 |
| Noncurrent loans to loans | 0.5071% | 5,001 |
| Net loans and leases to total assets | 62.4749% | 3,204 |
| Net loans and leases to deposits | 72.9701% | 3,312 |
| Net loans and leases to core deposits | 78.7108% | 3,200 |
| Total domestic deposits to total assets | 85.6170% | 3,569 |
| Equity capital to assets | 8.1535% | 6,093 |
| Core capital (leverage) ratio | 8.0707% | 6,131 |
| Tier 1 risk-based capital ratio | 11.9573% | 5,813 |
| Total risk-based capital ratio | 13.0221% | 5,891 |
| Memoranda: | ||
| Average total assets | $346,032,670 | 1,885 |
| Average earning assets | $323,811,330 | 1,845 |
| Average equity | $28,035,000 | 2,420 |
| Average total loans | $211,979,000 | 1,918 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 4,255 |
| Cost of funding earning assets | 0.3742% | 5,329 |
| Net interest margin | 3.5891% | 3,303 |
| Noninterest income to average assets | 0.7199% | 2,486 |
| Noninterest expense to average assets | 3.1837% | 2,406 |
| Loan and lease loss provision to assets | 0.1037% | 2,952 |
| Net operating income to assets | 0.6450% | 3,989 |
| Return on assets (ROA) | 0.7395% | 3,614 |
| Pretax return on assets | 0.9065% | 3,737 |
| Return on Equity (ROE) | 9.1562% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.5907% | 2,904 |
| Net charge-offs to loans | 0.1528% | 2,483 |
| Credit loss provision to net charge-offs | 112.5000% | 1,671 |
| Earnings coverage of net charge-offs (x) | 9.7125% | 1,812 |
| Efficiency ratio | 78.0570% | 2,600 |
| Assets per employee ($millions) | 2.9377% | 6,097 |
| Cash dividends to net income (ytd only)* | 38.9408% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,538 |
| Loan loss allowance to noncurrent loans | 156.2130% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 5,196 |
| Noncurrent loans to loans | 0.7147% | 4,696 |
| Net loans and leases to total assets | 60.1939% | 3,392 |
| Net loans and leases to deposits | 70.3083% | 3,427 |
| Net loans and leases to core deposits | 75.5917% | 3,372 |
| Total domestic deposits to total assets | 85.6142% | 3,727 |
| Equity capital to assets | 8.3175% | 6,175 |
| Core capital (leverage) ratio | 8.0301% | 6,114 |
| Tier 1 risk-based capital ratio | 12.0427% | 5,890 |
| Total risk-based capital ratio | 13.0805% | 5,990 |
| Memoranda: | ||
| Average total assets | $347,269,500 | 1,906 |
| Average earning assets | $324,982,500 | 1,860 |
| Average equity | $28,046,500 | 2,439 |
| Average total loans | $209,401,500 | 1,948 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 4,383 |
| Cost of funding earning assets | 0.4773% | 5,372 |
| Net interest margin | 3.7786% | 3,323 |
| Noninterest income to average assets | 0.7634% | 2,431 |
| Noninterest expense to average assets | 3.2258% | 2,529 |
| Loan and lease loss provision to assets | 0.0715% | 4,842 |
| Net operating income to assets | 0.7977% | 3,296 |
| Return on assets (ROA) | 0.8008% | 3,535 |
| Pretax return on assets | 1.0028% | 3,541 |
| Return on Equity (ROE) | 10.2476% | 2,074 |
| Retained earnings to average equity (ytd only) | 7.3153% | 1,416 |
| Net charge-offs to loans | -0.0021% | 6,329 |
| Credit loss provision to net charge-offs | -5,925.0000% | 6,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0158% | 2,903 |
| Assets per employee ($millions) | 2.8508% | 6,244 |
| Cash dividends to net income (ytd only)* | 28.6145% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,349 |
| Loan loss allowance to noncurrent loans | 136.4265% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 5,118 |
| Noncurrent loans to loans | 0.8422% | 4,506 |
| Net loans and leases to total assets | 59.0314% | 3,788 |
| Net loans and leases to deposits | 69.6662% | 3,757 |
| Net loans and leases to core deposits | 75.0657% | 3,651 |
| Total domestic deposits to total assets | 84.7347% | 3,975 |
| Equity capital to assets | 7.8318% | 6,487 |
| Core capital (leverage) ratio | 7.2999% | 6,584 |
| Tier 1 risk-based capital ratio | 11.4149% | 6,157 |
| Total risk-based capital ratio | 13.3946% | 5,653 |
| Memoranda: | ||
| Average total assets | $331,670,200 | 1,943 |
| Average earning assets | $310,084,800 | 1,908 |
| Average equity | $25,918,200 | 2,577 |
| Average total loans | $194,204,600 | 2,056 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2720% | 4,569 |
| Cost of funding earning assets | 0.4875% | 5,521 |
| Net interest margin | 3.7846% | 3,405 |
| Noninterest income to average assets | 0.7573% | 2,441 |
| Noninterest expense to average assets | 3.2611% | 2,386 |
| Loan and lease loss provision to assets | 0.0735% | 4,745 |
| Net operating income to assets | 0.7699% | 3,603 |
| Return on assets (ROA) | 0.7731% | 3,839 |
| Pretax return on assets | 0.9640% | 3,855 |
| Return on Equity (ROE) | 9.8995% | 2,392 |
| Retained earnings to average equity (ytd only) | 6.9359% | 2,163 |
| Net charge-offs to loans | -0.0216% | 6,516 |
| Credit loss provision to net charge-offs | -583.8710% | 6,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8415% | 2,702 |
| Assets per employee ($millions) | 2.7854% | 6,372 |
| Cash dividends to net income (ytd only)* | 29.9370% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,499 |
| Loan loss allowance to noncurrent loans | 118.3198% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6082% | 5,155 |
| Noncurrent loans to loans | 0.9757% | 4,488 |
| Net loans and leases to total assets | 59.3966% | 3,892 |
| Net loans and leases to deposits | 70.3577% | 3,847 |
| Net loans and leases to core deposits | 75.9828% | 3,729 |
| Total domestic deposits to total assets | 84.4210% | 4,022 |
| Equity capital to assets | 7.9110% | 6,633 |
| Core capital (leverage) ratio | 7.3239% | 6,709 |
| Tier 1 risk-based capital ratio | 11.3315% | 6,337 |
| Total risk-based capital ratio | 13.3281% | 5,880 |
| Memoranda: | ||
| Average total assets | $328,349,750 | 1,977 |
| Average earning assets | $306,889,000 | 1,947 |
| Average equity | $25,643,750 | 2,623 |
| Average total loans | $191,256,500 | 2,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 4,647 |
| Cost of funding earning assets | 0.4971% | 5,639 |
| Net interest margin | 3.7832% | 3,439 |
| Noninterest income to average assets | 0.7546% | 2,399 |
| Noninterest expense to average assets | 3.2072% | 2,563 |
| Loan and lease loss provision to assets | 0.0959% | 4,343 |
| Net operating income to assets | 0.7895% | 3,434 |
| Return on assets (ROA) | 0.7841% | 3,714 |
| Pretax return on assets | 0.9851% | 3,768 |
| Return on Equity (ROE) | 10.0854% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.0819% | 2,056 |
| Net charge-offs to loans | -0.0565% | 6,696 |
| Credit loss provision to net charge-offs | -294.3396% | 6,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5314% | 2,986 |
| Assets per employee ($millions) | 2.8383% | 6,345 |
| Cash dividends to net income (ytd only)* | 29.7806% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,443 |
| Loan loss allowance to noncurrent loans | 120.5472% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 5,281 |
| Noncurrent loans to loans | 0.9792% | 4,554 |
| Net loans and leases to total assets | 58.3641% | 4,104 |
| Net loans and leases to deposits | 68.6932% | 4,092 |
| Net loans and leases to core deposits | 74.1871% | 4,005 |
| Total domestic deposits to total assets | 84.9635% | 3,883 |
| Equity capital to assets | 7.6989% | 6,713 |
| Core capital (leverage) ratio | 7.3806% | 6,673 |
| Tier 1 risk-based capital ratio | 11.3957% | 6,282 |
| Total risk-based capital ratio | 13.4386% | 5,783 |
| Memoranda: | ||
| Average total assets | $325,454,330 | 1,990 |
| Average earning assets | $304,559,000 | 1,953 |
| Average equity | $25,304,000 | 2,632 |
| Average total loans | $187,500,000 | 2,136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 4,454 |
| Cost of funding earning assets | 0.5121% | 5,736 |
| Net interest margin | 3.8552% | 3,115 |
| Noninterest income to average assets | 0.7633% | 2,330 |
| Noninterest expense to average assets | 3.2152% | 2,552 |
| Loan and lease loss provision to assets | 0.0137% | 5,142 |
| Net operating income to assets | 0.8888% | 2,979 |
| Return on assets (ROA) | 0.8518% | 3,386 |
| Pretax return on assets | 1.0925% | 3,353 |
| Return on Equity (ROE) | 10.9003% | 2,056 |
| Retained earnings to average equity (ytd only) | 7.8680% | 2,033 |
| Net charge-offs to loans | -0.1689% | 6,950 |
| Credit loss provision to net charge-offs | -14.2857% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3086% | 3,198 |
| Assets per employee ($millions) | 2.8947% | 6,356 |
| Cash dividends to net income (ytd only)* | 27.8184% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 5,468 |
| Loan loss allowance to noncurrent loans | 110.7000% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 5,326 |
| Noncurrent loans to loans | 1.0865% | 4,518 |
| Net loans and leases to total assets | 55.1094% | 4,535 |
| Net loans and leases to deposits | 65.1050% | 4,475 |
| Net loans and leases to core deposits | 69.6199% | 4,475 |
| Total domestic deposits to total assets | 84.6470% | 4,186 |
| Equity capital to assets | 7.6933% | 6,695 |
| Core capital (leverage) ratio | 7.4247% | 6,681 |
| Tier 1 risk-based capital ratio | 12.0123% | 5,955 |
| Total risk-based capital ratio | 14.1413% | 5,267 |
| Memoranda: | ||
| Average total assets | $320,722,500 | 2,025 |
| Average earning assets | $299,959,000 | 1,983 |
| Average equity | $25,063,500 | 2,659 |
| Average total loans | $182,346,500 | 2,205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 4,415 |
| Cost of funding earning assets | 0.6464% | 5,848 |
| Net interest margin | 4.0149% | 2,811 |
| Noninterest income to average assets | 0.7682% | 2,242 |
| Noninterest expense to average assets | 3.2563% | 2,667 |
| Loan and lease loss provision to assets | 0.1172% | 5,135 |
| Net operating income to assets | 0.8884% | 2,653 |
| Return on assets (ROA) | 0.8455% | 3,000 |
| Pretax return on assets | 1.0862% | 2,890 |
| Return on Equity (ROE) | 10.9089% | 1,722 |
| Retained earnings to average equity (ytd only) | 7.5620% | 1,246 |
| Net charge-offs to loans | 0.2748% | 4,053 |
| Credit loss provision to net charge-offs | 71.4286% | 4,800 |
| Earnings coverage of net charge-offs (x) | 7.6714% | 2,294 |
| Efficiency ratio | 70.9350% | 3,787 |
| Assets per employee ($millions) | 2.7808% | 6,485 |
| Cash dividends to net income (ytd only)* | 30.6809% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 5,500 |
| Loan loss allowance to noncurrent loans | 104.4204% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 5,294 |
| Noncurrent loans to loans | 1.1272% | 4,473 |
| Net loans and leases to total assets | 57.3109% | 4,497 |
| Net loans and leases to deposits | 67.7968% | 4,470 |
| Net loans and leases to core deposits | 72.2344% | 4,491 |
| Total domestic deposits to total assets | 84.5334% | 4,072 |
| Equity capital to assets | 7.9433% | 6,609 |
| Core capital (leverage) ratio | 7.4302% | 6,684 |
| Tier 1 risk-based capital ratio | 12.1104% | 5,755 |
| Total risk-based capital ratio | 14.2573% | 5,035 |
| Memoranda: | ||
| Average total assets | $298,743,600 | 2,146 |
| Average earning assets | $278,760,200 | 2,105 |
| Average equity | $23,155,400 | 2,760 |
| Average total loans | $178,329,200 | 2,275 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 4,560 |
| Cost of funding earning assets | 0.6674% | 5,950 |
| Net interest margin | 4.0099% | 2,874 |
| Noninterest income to average assets | 0.7754% | 2,165 |
| Noninterest expense to average assets | 3.2777% | 2,568 |
| Loan and lease loss provision to assets | 0.1277% | 4,834 |
| Net operating income to assets | 0.8784% | 2,827 |
| Return on assets (ROA) | 0.7822% | 3,409 |
| Pretax return on assets | 0.9911% | 3,436 |
| Return on Equity (ROE) | 10.1581% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.2290% | 1,853 |
| Net charge-offs to loans | 0.3458% | 3,369 |
| Credit loss provision to net charge-offs | 61.3883% | 4,765 |
| Earnings coverage of net charge-offs (x) | 5.9653% | 2,656 |
| Efficiency ratio | 71.3458% | 3,682 |
| Assets per employee ($millions) | 2.7922% | 6,501 |
| Cash dividends to net income (ytd only)* | 28.8351% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 5,638 |
| Loan loss allowance to noncurrent loans | 103.0617% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 5,426 |
| Noncurrent loans to loans | 1.1256% | 4,663 |
| Net loans and leases to total assets | 56.3568% | 4,786 |
| Net loans and leases to deposits | 67.7709% | 4,652 |
| Net loans and leases to core deposits | 73.9287% | 4,454 |
| Total domestic deposits to total assets | 83.1577% | 4,620 |
| Equity capital to assets | 7.6120% | 6,887 |
| Core capital (leverage) ratio | 7.4432% | 6,793 |
| Tier 1 risk-based capital ratio | 11.8840% | 5,972 |
| Total risk-based capital ratio | 14.0221% | 5,257 |
| Memoranda: | ||
| Average total assets | $295,568,250 | 2,171 |
| Average earning assets | $275,876,500 | 2,133 |
| Average equity | $22,759,500 | 2,807 |
| Average total loans | $177,757,000 | 2,291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 4,387 |
| Cost of funding earning assets | 0.6968% | 5,983 |
| Net interest margin | 4.0350% | 2,674 |
| Noninterest income to average assets | 0.7718% | 2,151 |
| Noninterest expense to average assets | 3.2992% | 2,567 |
| Loan and lease loss provision to assets | 0.1322% | 4,645 |
| Net operating income to assets | 0.8904% | 2,683 |
| Return on assets (ROA) | 0.7137% | 3,590 |
| Pretax return on assets | 0.8874% | 3,667 |
| Return on Equity (ROE) | 9.2299% | 2,423 |
| Retained earnings to average equity (ytd only) | 6.5442% | 2,117 |
| Net charge-offs to loans | 0.4033% | 2,941 |
| Credit loss provision to net charge-offs | 53.5014% | 4,499 |
| Earnings coverage of net charge-offs (x) | 5.0196% | 2,711 |
| Efficiency ratio | 71.4547% | 3,837 |
| Assets per employee ($millions) | 2.7277% | 6,600 |
| Cash dividends to net income (ytd only)* | 29.0980% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 5,618 |
| Loan loss allowance to noncurrent loans | 118.6335% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,640 |
| Noncurrent loans to loans | 0.9975% | 5,000 |
| Net loans and leases to total assets | 58.4751% | 4,549 |
| Net loans and leases to deposits | 70.6690% | 4,343 |
| Net loans and leases to core deposits | 77.1874% | 4,164 |
| Total domestic deposits to total assets | 82.7451% | 4,879 |
| Equity capital to assets | 7.7502% | 6,837 |
| Core capital (leverage) ratio | 7.5131% | 6,735 |
| Tier 1 risk-based capital ratio | 11.8054% | 5,935 |
| Total risk-based capital ratio | 13.9886% | 5,117 |
| Memoranda: | ||
| Average total assets | $288,919,330 | 2,223 |
| Average earning assets | $269,790,670 | 2,182 |
| Average equity | $22,340,330 | 2,836 |
| Average total loans | $177,042,330 | 2,321 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7816% | 4,142 |
| Cost of funding earning assets | 0.7274% | 5,990 |
| Net interest margin | 4.0543% | 2,457 |
| Noninterest income to average assets | 0.7623% | 2,208 |
| Noninterest expense to average assets | 3.3710% | 2,356 |
| Loan and lease loss provision to assets | 0.1412% | 4,240 |
| Net operating income to assets | 0.8470% | 2,791 |
| Return on assets (ROA) | 0.6734% | 3,711 |
| Pretax return on assets | 0.8230% | 3,817 |
| Return on Equity (ROE) | 8.7189% | 2,601 |
| Retained earnings to average equity (ytd only) | 5.9771% | 2,652 |
| Net charge-offs to loans | 0.5996% | 1,995 |
| Credit loss provision to net charge-offs | 37.7358% | 3,989 |
| Earnings coverage of net charge-offs (x) | 3.1434% | 2,840 |
| Efficiency ratio | 72.8966% | 3,701 |
| Assets per employee ($millions) | 2.7078% | 6,683 |
| Cash dividends to net income (ytd only)* | 31.4465% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 5,692 |
| Loan loss allowance to noncurrent loans | 99.9049% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.7479% | 5,433 |
| Noncurrent loans to loans | 1.1888% | 4,700 |
| Net loans and leases to total assets | 60.3304% | 4,200 |
| Net loans and leases to deposits | 72.2555% | 4,033 |
| Net loans and leases to core deposits | 79.1345% | 3,862 |
| Total domestic deposits to total assets | 83.4958% | 4,704 |
| Equity capital to assets | 7.6287% | 6,797 |
| Core capital (leverage) ratio | 7.6132% | 6,642 |
| Tier 1 risk-based capital ratio | 11.7026% | 5,938 |
| Total risk-based capital ratio | 13.9112% | 5,080 |
| Memoranda: | ||
| Average total assets | $283,358,000 | 2,279 |
| Average earning assets | $264,512,500 | 2,239 |
| Average equity | $21,883,500 | 2,884 |
| Average total loans | $176,788,000 | 2,349 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 3,716 |
| Cost of funding earning assets | 0.9585% | 5,894 |
| Net interest margin | 4.2182% | 2,112 |
| Noninterest income to average assets | 0.8321% | 2,132 |
| Noninterest expense to average assets | 3.4396% | 2,331 |
| Loan and lease loss provision to assets | 0.1682% | 5,538 |
| Net operating income to assets | 0.8959% | 2,407 |
| Return on assets (ROA) | 0.8352% | 2,792 |
| Pretax return on assets | 1.0729% | 2,691 |
| Return on Equity (ROE) | 10.3455% | 1,799 |
| Retained earnings to average equity (ytd only) | 6.8346% | 1,394 |
| Net charge-offs to loans | 0.2017% | 5,081 |
| Credit loss provision to net charge-offs | 127.8736% | 3,144 |
| Earnings coverage of net charge-offs (x) | 10.0287% | 1,761 |
| Efficiency ratio | 71.0054% | 3,994 |
| Assets per employee ($millions) | 2.6379% | 6,788 |
| Cash dividends to net income (ytd only)* | 33.9367% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 5,092 |
| Loan loss allowance to noncurrent loans | 104.2318% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 5,161 |
| Noncurrent loans to loans | 1.2305% | 4,669 |
| Net loans and leases to total assets | 62.9685% | 4,078 |
| Net loans and leases to deposits | 75.9730% | 3,844 |
| Net loans and leases to core deposits | 83.4288% | 3,681 |
| Total domestic deposits to total assets | 82.8827% | 4,844 |
| Equity capital to assets | 7.8214% | 6,658 |
| Core capital (leverage) ratio | 7.7324% | 6,513 |
| Tier 1 risk-based capital ratio | 11.5002% | 5,914 |
| Total risk-based capital ratio | 13.7968% | 4,971 |
| Memoranda: | ||
| Average total assets | $264,621,800 | 2,406 |
| Average earning assets | $246,311,600 | 2,368 |
| Average equity | $21,362,000 | 2,963 |
| Average total loans | $172,491,200 | 2,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 3,654 |
| Cost of funding earning assets | 0.9937% | 5,968 |
| Net interest margin | 4.2425% | 2,061 |
| Noninterest income to average assets | 0.8335% | 2,062 |
| Noninterest expense to average assets | 3.4606% | 2,138 |
| Loan and lease loss provision to assets | 0.1545% | 5,494 |
| Net operating income to assets | 0.9076% | 2,574 |
| Return on assets (ROA) | 0.8249% | 3,045 |
| Pretax return on assets | 1.0584% | 2,971 |
| Return on Equity (ROE) | 10.1345% | 2,076 |
| Retained earnings to average equity (ytd only) | 6.3763% | 2,155 |
| Net charge-offs to loans | 0.0887% | 5,643 |
| Credit loss provision to net charge-offs | 265.7895% | 1,237 |
| Earnings coverage of net charge-offs (x) | 22.6924% | 1,084 |
| Efficiency ratio | 71.1253% | 3,865 |
| Assets per employee ($millions) | 2.6295% | 6,883 |
| Cash dividends to net income (ytd only)* | 37.0828% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 4,706 |
| Loan loss allowance to noncurrent loans | 84.0885% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 4,746 |
| Noncurrent loans to loans | 1.6061% | 4,233 |
| Net loans and leases to total assets | 63.5659% | 4,208 |
| Net loans and leases to deposits | 77.9724% | 3,831 |
| Net loans and leases to core deposits | 86.4170% | 3,591 |
| Total domestic deposits to total assets | 81.5236% | 5,191 |
| Equity capital to assets | 8.1953% | 6,615 |
| Core capital (leverage) ratio | 7.7652% | 6,609 |
| Tier 1 risk-based capital ratio | 11.1840% | 6,208 |
| Total risk-based capital ratio | 13.4878% | 5,199 |
| Memoranda: | ||
| Average total assets | $261,531,500 | 2,473 |
| Average earning assets | $243,248,000 | 2,432 |
| Average equity | $21,286,500 | 3,010 |
| Average total loans | $171,444,500 | 2,491 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 3,747 |
| Cost of funding earning assets | 1.0195% | 6,057 |
| Net interest margin | 4.2235% | 2,077 |
| Noninterest income to average assets | 0.8196% | 2,019 |
| Noninterest expense to average assets | 3.4756% | 2,083 |
| Loan and lease loss provision to assets | 0.1556% | 5,342 |
| Net operating income to assets | 0.8859% | 2,600 |
| Return on assets (ROA) | 0.7484% | 3,355 |
| Pretax return on assets | 0.9418% | 3,340 |
| Return on Equity (ROE) | 9.2168% | 2,380 |
| Retained earnings to average equity (ytd only) | 5.4043% | 2,675 |
| Net charge-offs to loans | 0.1091% | 5,073 |
| Credit loss provision to net charge-offs | 216.1290% | 1,807 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,326 |
| Efficiency ratio | 71.9107% | 3,831 |
| Assets per employee ($millions) | 2.5568% | 7,030 |
| Cash dividends to net income (ytd only)* | 41.3650% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,881 |
| Loan loss allowance to noncurrent loans | 97.2234% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 5,022 |
| Noncurrent loans to loans | 1.3432% | 4,701 |
| Net loans and leases to total assets | 65.3140% | 3,982 |
| Net loans and leases to deposits | 79.4758% | 3,698 |
| Net loans and leases to core deposits | 88.1197% | 3,532 |
| Total domestic deposits to total assets | 82.1810% | 4,916 |
| Equity capital to assets | 8.1932% | 6,554 |
| Core capital (leverage) ratio | 7.7659% | 6,540 |
| Tier 1 risk-based capital ratio | 11.0502% | 6,189 |
| Total risk-based capital ratio | 13.3618% | 5,184 |
| Memoranda: | ||
| Average total assets | $258,429,670 | 2,526 |
| Average earning assets | $240,322,670 | 2,473 |
| Average equity | $20,983,330 | 3,048 |
| Average total loans | $170,420,330 | 2,533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 3,814 |
| Cost of funding earning assets | 1.0411% | 6,168 |
| Net interest margin | 4.2030% | 2,024 |
| Noninterest income to average assets | 0.7595% | 2,237 |
| Noninterest expense to average assets | 3.5395% | 1,885 |
| Loan and lease loss provision to assets | 0.1719% | 4,806 |
| Net operating income to assets | 0.7813% | 3,053 |
| Return on assets (ROA) | 0.6532% | 3,767 |
| Pretax return on assets | 0.7970% | 3,878 |
| Return on Equity (ROE) | 8.0826% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.2153% | 3,620 |
| Net charge-offs to loans | 0.0237% | 5,246 |
| Credit loss provision to net charge-offs | 1,100.0000% | 430 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 430 |
| Efficiency ratio | 74.5394% | 3,483 |
| Assets per employee ($millions) | 2.7431% | 6,772 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,759 |
| Loan loss allowance to noncurrent loans | 86.4433% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2406% | 4,697 |
| Noncurrent loans to loans | 1.5429% | 4,433 |
| Net loans and leases to total assets | 65.1246% | 4,080 |
| Net loans and leases to deposits | 79.4629% | 3,753 |
| Net loans and leases to core deposits | 87.2052% | 3,718 |
| Total domestic deposits to total assets | 81.9559% | 5,089 |
| Equity capital to assets | 8.0934% | 6,550 |
| Core capital (leverage) ratio | 7.9049% | 6,375 |
| Tier 1 risk-based capital ratio | 10.9836% | 6,173 |
| Total risk-based capital ratio | 13.2978% | 5,115 |
| Memoranda: | ||
| Average total assets | $255,967,500 | 2,595 |
| Average earning assets | $237,831,000 | 2,555 |
| Average equity | $20,686,500 | 3,101 |
| Average total loans | $168,489,000 | 2,639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 4,096 |
| Cost of funding earning assets | 1.3931% | 5,959 |
| Net interest margin | 4.1164% | 2,379 |
| Noninterest income to average assets | 0.9383% | 1,795 |
| Noninterest expense to average assets | 3.5421% | 2,287 |
| Loan and lease loss provision to assets | 0.2600% | 5,324 |
| Net operating income to assets | 0.7500% | 2,722 |
| Return on assets (ROA) | 0.8163% | 2,558 |
| Pretax return on assets | 1.0437% | 2,439 |
| Return on Equity (ROE) | 10.3006% | 1,607 |
| Retained earnings to average equity (ytd only) | 6.7452% | 1,052 |
| Net charge-offs to loans | 0.2770% | 4,897 |
| Credit loss provision to net charge-offs | 144.8430% | 3,292 |
| Earnings coverage of net charge-offs (x) | 6.7892% | 2,286 |
| Efficiency ratio | 73.0386% | 4,089 |
| Assets per employee ($millions) | 2.4910% | 7,216 |
| Cash dividends to net income (ytd only)* | 34.5168% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,766 |
| Loan loss allowance to noncurrent loans | 81.9728% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 4,468 |
| Noncurrent loans to loans | 1.5865% | 4,274 |
| Net loans and leases to total assets | 64.7875% | 4,421 |
| Net loans and leases to deposits | 78.7853% | 4,216 |
| Net loans and leases to core deposits | 93.6632% | 4,710 |
| Total domestic deposits to total assets | 82.2330% | 4,848 |
| Equity capital to assets | 8.0698% | 6,503 |
| Core capital (leverage) ratio | 7.7676% | 6,489 |
| Tier 1 risk-based capital ratio | 10.8959% | 6,011 |
| Total risk-based capital ratio | 13.1968% | 4,944 |
| Memoranda: | ||
| Average total assets | $248,441,200 | 2,624 |
| Average earning assets | $230,709,600 | 2,592 |
| Average equity | $19,688,200 | 3,251 |
| Average total loans | $160,982,400 | 2,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5346% | 4,244 |
| Cost of funding earning assets | 1.4544% | 6,021 |
| Net interest margin | 4.0802% | 2,480 |
| Noninterest income to average assets | 0.9348% | 1,838 |
| Noninterest expense to average assets | 3.5579% | 2,128 |
| Loan and lease loss provision to assets | 0.2720% | 4,792 |
| Net operating income to assets | 0.6993% | 3,212 |
| Return on assets (ROA) | 0.8209% | 2,786 |
| Pretax return on assets | 1.0509% | 2,732 |
| Return on Equity (ROE) | 10.4082% | 1,786 |
| Retained earnings to average equity (ytd only) | 6.9867% | 1,513 |
| Net charge-offs to loans | 0.3168% | 4,059 |
| Credit loss provision to net charge-offs | 132.9815% | 3,757 |
| Earnings coverage of net charge-offs (x) | 5.7045% | 2,750 |
| Efficiency ratio | 73.9319% | 3,870 |
| Assets per employee ($millions) | 2.5882% | 7,071 |
| Cash dividends to net income (ytd only)* | 32.8731% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 4,550 |
| Loan loss allowance to noncurrent loans | 87.7671% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 4,256 |
| Noncurrent loans to loans | 1.4724% | 4,474 |
| Net loans and leases to total assets | 63.7400% | 4,918 |
| Net loans and leases to deposits | 78.5366% | 4,653 |
| Net loans and leases to core deposits | 93.3890% | 5,083 |
| Total domestic deposits to total assets | 81.1596% | 5,013 |
| Equity capital to assets | 8.3280% | 6,471 |
| Core capital (leverage) ratio | 7.7327% | 6,686 |
| Tier 1 risk-based capital ratio | 10.9215% | 6,026 |
| Total risk-based capital ratio | 13.2274% | 4,932 |
| Memoranda: | ||
| Average total assets | $247,030,750 | 2,653 |
| Average earning assets | $229,460,250 | 2,621 |
| Average equity | $19,484,250 | 3,318 |
| Average total loans | $159,532,250 | 2,800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5639% | 4,259 |
| Cost of funding earning assets | 1.5095% | 6,102 |
| Net interest margin | 4.0544% | 2,490 |
| Noninterest income to average assets | 0.9060% | 1,961 |
| Noninterest expense to average assets | 3.6355% | 1,979 |
| Loan and lease loss provision to assets | 0.2467% | 4,606 |
| Net operating income to assets | 0.6217% | 3,579 |
| Return on assets (ROA) | 0.7587% | 3,121 |
| Pretax return on assets | 0.9557% | 3,161 |
| Return on Equity (ROE) | 9.8055% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.5972% | 2,202 |
| Net charge-offs to loans | 0.3542% | 3,411 |
| Credit loss provision to net charge-offs | 107.8292% | 4,281 |
| Earnings coverage of net charge-offs (x) | 4.4982% | 3,083 |
| Efficiency ratio | 77.2426% | 3,466 |
| Assets per employee ($millions) | 2.7072% | 6,811 |
| Cash dividends to net income (ytd only)* | 42.9185% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,651 |
| Loan loss allowance to noncurrent loans | 71.0921% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5748% | 3,861 |
| Noncurrent loans to loans | 1.7497% | 3,884 |
| Net loans and leases to total assets | 62.8144% | 5,215 |
| Net loans and leases to deposits | 77.4564% | 4,950 |
| Net loans and leases to core deposits | 91.3253% | 5,417 |
| Total domestic deposits to total assets | 81.0964% | 5,041 |
| Equity capital to assets | 7.6597% | 7,124 |
| Core capital (leverage) ratio | 7.6102% | 6,883 |
| Tier 1 risk-based capital ratio | 10.4901% | 6,388 |
| Total risk-based capital ratio | 12.7098% | 5,347 |
| Memoranda: | ||
| Average total assets | $245,689,000 | 2,687 |
| Average earning assets | $227,755,330 | 2,657 |
| Average equity | $19,009,670 | 3,388 |
| Average total loans | $158,670,330 | 2,846 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 4,266 |
| Cost of funding earning assets | 1.5922% | 6,064 |
| Net interest margin | 4.0216% | 2,570 |
| Noninterest income to average assets | 0.8671% | 2,003 |
| Noninterest expense to average assets | 3.6003% | 1,866 |
| Loan and lease loss provision to assets | 0.2720% | 3,780 |
| Net operating income to assets | 0.5641% | 4,167 |
| Return on assets (ROA) | 0.7946% | 3,314 |
| Pretax return on assets | 1.0089% | 3,318 |
| Return on Equity (ROE) | 10.2162% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.9771% | 2,637 |
| Net charge-offs to loans | 0.1824% | 3,540 |
| Credit loss provision to net charge-offs | 229.1667% | 1,995 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,206 |
| Efficiency ratio | 77.0115% | 3,327 |
| Assets per employee ($millions) | 2.4098% | 7,441 |
| Cash dividends to net income (ytd only)* | 41.4938% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 4,089 |
| Loan loss allowance to noncurrent loans | 88.3084% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 3,885 |
| Noncurrent loans to loans | 1.4710% | 4,093 |
| Net loans and leases to total assets | 63.7421% | 5,035 |
| Net loans and leases to deposits | 79.2148% | 4,738 |
| Net loans and leases to core deposits | 92.1385% | 5,333 |
| Total domestic deposits to total assets | 80.4675% | 5,183 |
| Equity capital to assets | 7.6918% | 7,187 |
| Core capital (leverage) ratio | 7.6874% | 6,901 |
| Tier 1 risk-based capital ratio | 10.4015% | 6,492 |
| Total risk-based capital ratio | 12.6761% | 5,379 |
| Memoranda: | ||
| Average total assets | $242,647,500 | 2,740 |
| Average earning assets | $224,588,000 | 2,712 |
| Average equity | $18,872,000 | 3,433 |
| Average total loans | $157,935,000 | 2,879 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3183% | 3,867 |
| Cost of funding earning assets | 2.0147% | 6,367 |
| Net interest margin | 4.3037% | 1,956 |
| Noninterest income to average assets | 1.0409% | 1,453 |
| Noninterest expense to average assets | 3.7343% | 1,885 |
| Loan and lease loss provision to assets | 0.2115% | 4,779 |
| Net operating income to assets | 0.8302% | 3,306 |
| Return on assets (ROA) | 0.8464% | 3,074 |
| Pretax return on assets | 1.0804% | 3,097 |
| Return on Equity (ROE) | 11.2261% | 1,836 |
| Retained earnings to average equity (ytd only) | 7.8465% | 888 |
| Net charge-offs to loans | 0.0309% | 6,393 |
| Credit loss provision to net charge-offs | 1,059.5745% | 420 |
| Earnings coverage of net charge-offs (x) | 63.6809% | 636 |
| Efficiency ratio | 73.2394% | 3,702 |
| Assets per employee ($millions) | 2.3029% | 7,558 |
| Cash dividends to net income (ytd only)* | 30.1054% | 4,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 4,106 |
| Loan loss allowance to noncurrent loans | 113.7493% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.1328% | 4,008 |
| Noncurrent loans to loans | 1.1016% | 4,357 |
| Net loans and leases to total assets | 64.7866% | 5,108 |
| Net loans and leases to deposits | 80.2180% | 5,006 |
| Net loans and leases to core deposits | 91.8881% | 5,650 |
| Total domestic deposits to total assets | 80.7633% | 4,742 |
| Equity capital to assets | 7.8656% | 7,022 |
| Core capital (leverage) ratio | 7.5981% | 7,078 |
| Tier 1 risk-based capital ratio | 10.6447% | 6,054 |
| Total risk-based capital ratio | 12.9592% | 4,952 |
| Memoranda: | ||
| Average total assets | $235,465,400 | 2,698 |
| Average earning assets | $216,908,000 | 2,691 |
| Average equity | $17,753,200 | 3,602 |
| Average total loans | $152,138,000 | 2,890 |