Home > First American National Bank > Performance and Condition Ratios
First American National Bank, Performance and Condition Ratios
| 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 | 4.9228% | 2,013 |
| Cost of funding earning assets | 1.3128% | 2,119 |
| Net interest margin | 3.6100% | 1,984 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 3.9064% | 379 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.1167% | 4,305 |
| Return on assets (ROA) | 0.1167% | 4,323 |
| Pretax return on assets | 0.1167% | 4,333 |
| Return on Equity (ROE) | 2.2100% | 4,173 |
| Retained earnings to average equity (ytd only) | -4.5515% | 4,412 |
| Net charge-offs to loans | 0.0830% | 897 |
| Credit loss provision to net charge-offs | 623.4043% | 546 |
| Earnings coverage of net charge-offs (x) | 8.5957% | 2,189 |
| Efficiency ratio | 90.1910% | 369 |
| Assets per employee ($millions) | 3.3172% | 4,356 |
| Cash dividends to net income (ytd only)* | 306.0060% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,299 |
| Loan loss allowance to noncurrent loans | 124.0117% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 740 |
| Noncurrent loans to loans | 1.1585% | 681 |
| Net loans and leases to total assets | 61.4700% | 2,706 |
| Net loans and leases to deposits | 65.1254% | 3,198 |
| Net loans and leases to core deposits | 68.4163% | 3,298 |
| Total domestic deposits to total assets | 94.3800% | 155 |
| Equity capital to assets | 4.2936% | 4,368 |
| Core capital (leverage) ratio | 9.6946% | 3,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $380,353,000 | 2,079 |
| Average earning assets | $355,371,250 | 2,065 |
| Average equity | $20,095,500 | 2,843 |
| Average total loans | $226,593,500 | 2,121 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 2,033 |
| Cost of funding earning assets | 1.2294% | 1,904 |
| Net interest margin | 3.5517% | 2,150 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 3.5719% | 490 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6146% | 3,545 |
| Return on assets (ROA) | 0.6146% | 3,548 |
| Pretax return on assets | 0.6146% | 3,774 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 7.8011% | 2,035 |
| Net charge-offs to loans | 0.0689% | 871 |
| Credit loss provision to net charge-offs | 238.9610% | 977 |
| Earnings coverage of net charge-offs (x) | 17.5974% | 1,793 |
| Efficiency ratio | 83.3966% | 631 |
| Assets per employee ($millions) | 3.4020% | 4,366 |
| Cash dividends to net income (ytd only)* | 28.7788% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,364 |
| Loan loss allowance to noncurrent loans | 130.6635% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5759% | 939 |
| Noncurrent loans to loans | 0.9318% | 822 |
| Net loans and leases to total assets | 58.1900% | 2,948 |
| Net loans and leases to deposits | 62.2306% | 3,291 |
| Net loans and leases to core deposits | 65.1852% | 3,390 |
| Total domestic deposits to total assets | 93.5000% | 186 |
| Equity capital to assets | 5.4605% | 4,300 |
| Core capital (leverage) ratio | 10.0478% | 2,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $381,082,667 | 2,075 |
| Average earning assets | $356,106,333 | 2,063 |
| Average equity | $21,381,667 | 2,746 |
| Average total loans | $223,515,667 | 2,134 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 2,047 |
| Cost of funding earning assets | 1.1264% | 1,675 |
| Net interest margin | 3.4888% | 2,396 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 3.5329% | 517 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.5176% | 3,855 |
| Return on assets (ROA) | 0.5176% | 3,814 |
| Pretax return on assets | 0.5176% | 3,967 |
| Return on Equity (ROE) | 9.1000% | 3,022 |
| Retained earnings to average equity (ytd only) | 9.1025% | 1,919 |
| Net charge-offs to loans | 0.0558% | 813 |
| Credit loss provision to net charge-offs | 593.5484% | 508 |
| Earnings coverage of net charge-offs (x) | 21.7742% | 1,432 |
| Efficiency ratio | 83.2340% | 632 |
| Assets per employee ($millions) | 3.4064% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,261 |
| Loan loss allowance to noncurrent loans | 117.6742% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6188% | 818 |
| Noncurrent loans to loans | 1.0670% | 673 |
| Net loans and leases to total assets | 57.2700% | 2,933 |
| Net loans and leases to deposits | 61.5235% | 3,259 |
| Net loans and leases to core deposits | 64.6107% | 3,312 |
| Total domestic deposits to total assets | 93.0800% | 297 |
| Equity capital to assets | 5.9162% | 4,231 |
| Core capital (leverage) ratio | 10.1049% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $379,408,500 | 2,105 |
| Average earning assets | $354,391,000 | 2,098 |
| Average equity | $21,576,500 | 2,754 |
| Average total loans | $222,049,500 | 2,160 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 1,208 |
| Cost of funding earning assets | 0.3240% | 2,688 |
| Net interest margin | 3.8966% | 958 |
| Noninterest income to average assets | 1.1200% | 534 |
| Noninterest expense to average assets | 3.5612% | 467 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.0680% | 2,308 |
| Return on assets (ROA) | 1.0579% | 2,290 |
| Pretax return on assets | 1.0579% | 2,895 |
| Return on Equity (ROE) | 15.0800% | 1,240 |
| Retained earnings to average equity (ytd only) | 2.4609% | 3,870 |
| Net charge-offs to loans | 0.0873% | 797 |
| Credit loss provision to net charge-offs | 227.6243% | 1,046 |
| Earnings coverage of net charge-offs (x) | 24.3978% | 1,796 |
| Efficiency ratio | 75.1449% | 1,106 |
| Assets per employee ($millions) | 3.2798% | 4,492 |
| Cash dividends to net income (ytd only)* | 83.6863% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,766 |
| Loan loss allowance to noncurrent loans | 146.0271% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 1,078 |
| Noncurrent loans to loans | 0.7693% | 974 |
| Net loans and leases to total assets | 58.4100% | 2,782 |
| Net loans and leases to deposits | 63.1114% | 3,108 |
| Net loans and leases to core deposits | 65.5027% | 3,168 |
| Total domestic deposits to total assets | 92.5500% | 507 |
| Equity capital to assets | 5.4508% | 4,254 |
| Core capital (leverage) ratio | 10.1733% | 2,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $374,900,000 | 2,122 |
| Average earning assets | $348,410,000 | 2,115 |
| Average equity | $26,291,600 | 2,515 |
| Average total loans | $207,221,800 | 2,181 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1041% | 1,058 |
| Cost of funding earning assets | 0.2645% | 2,550 |
| Net interest margin | 3.8396% | 893 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 3.4307% | 512 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1924% | 1,725 |
| Return on assets (ROA) | 1.1821% | 1,731 |
| Pretax return on assets | 1.1821% | 2,436 |
| Return on Equity (ROE) | 15.9700% | 985 |
| Retained earnings to average equity (ytd only) | 5.2862% | 3,000 |
| Net charge-offs to loans | 0.1740% | 384 |
| Credit loss provision to net charge-offs | 75.9398% | 1,433 |
| Earnings coverage of net charge-offs (x) | 13.3722% | 1,888 |
| Efficiency ratio | 73.0734% | 1,380 |
| Assets per employee ($millions) | 3.3106% | 4,522 |
| Cash dividends to net income (ytd only)* | 66.8972% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,373 |
| Loan loss allowance to noncurrent loans | 144.9602% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 1,336 |
| Noncurrent loans to loans | 0.7058% | 1,159 |
| Net loans and leases to total assets | 57.0300% | 2,793 |
| Net loans and leases to deposits | 61.5656% | 3,057 |
| Net loans and leases to core deposits | 62.6032% | 3,207 |
| Total domestic deposits to total assets | 92.6400% | 674 |
| Equity capital to assets | 5.2410% | 4,214 |
| Core capital (leverage) ratio | 10.2730% | 2,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $375,151,750 | 2,129 |
| Average earning assets | $348,326,250 | 2,133 |
| Average equity | $27,769,500 | 2,474 |
| Average total loans | $203,812,500 | 2,201 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 960 |
| Cost of funding earning assets | 0.2478% | 2,301 |
| Net interest margin | 3.7344% | 862 |
| Noninterest income to average assets | 1.1428% | 518 |
| Noninterest expense to average assets | 3.3366% | 520 |
| Loan and lease loss provision to assets | 0.0536% | 1,619 |
| Net operating income to assets | 1.2177% | 1,373 |
| Return on assets (ROA) | 1.2119% | 1,377 |
| Pretax return on assets | 1.2119% | 2,036 |
| Return on Equity (ROE) | 14.9403% | 906 |
| Retained earnings to average equity (ytd only) | 7.9677% | 1,633 |
| Net charge-offs to loans | 0.1307% | 486 |
| Credit loss provision to net charge-offs | 77.0992% | 1,400 |
| Earnings coverage of net charge-offs (x) | 18.2748% | 1,585 |
| Efficiency ratio | 72.4098% | 1,696 |
| Assets per employee ($millions) | 3.3947% | 4,571 |
| Cash dividends to net income (ytd only)* | 46.6696% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,210 |
| Loan loss allowance to noncurrent loans | 137.7171% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 1,315 |
| Noncurrent loans to loans | 0.7891% | 1,089 |
| Net loans and leases to total assets | 54.1118% | 2,952 |
| Net loans and leases to deposits | 58.4252% | 3,184 |
| Net loans and leases to core deposits | 59.4961% | 3,305 |
| Total domestic deposits to total assets | 92.6173% | 610 |
| Equity capital to assets | 6.4229% | 4,047 |
| Core capital (leverage) ratio | 10.2139% | 2,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,606,333 | 2,131 |
| Average earning assets | $349,454,667 | 2,145 |
| Average equity | $30,548,333 | 2,389 |
| Average total loans | $200,530,333 | 2,232 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8778% | 960 |
| Cost of funding earning assets | 0.2440% | 2,226 |
| Net interest margin | 3.6338% | 844 |
| Noninterest income to average assets | 1.0576% | 617 |
| Noninterest expense to average assets | 3.3062% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1221% | 1,467 |
| Return on assets (ROA) | 1.1666% | 1,333 |
| Pretax return on assets | 1.1666% | 1,929 |
| Return on Equity (ROE) | 13.0415% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.0415% | 461 |
| Net charge-offs to loans | 0.0826% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 25.8780% | 1,195 |
| Efficiency ratio | 74.6597% | 1,664 |
| Assets per employee ($millions) | 3.3930% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,300 |
| Loan loss allowance to noncurrent loans | 139.2812% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,376 |
| Noncurrent loans to loans | 0.7949% | 1,195 |
| Net loans and leases to total assets | 51.9224% | 2,995 |
| Net loans and leases to deposits | 56.9333% | 3,177 |
| Net loans and leases to core deposits | 57.9171% | 3,304 |
| Total domestic deposits to total assets | 91.1988% | 933 |
| Equity capital to assets | 8.0042% | 3,567 |
| Core capital (leverage) ratio | 10.0932% | 2,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $378,203,500 | 2,141 |
| Average earning assets | $350,819,500 | 2,143 |
| Average equity | $33,830,500 | 2,293 |
| Average total loans | $198,655,500 | 2,238 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3701% | 755 |
| Cost of funding earning assets | 0.2857% | 2,547 |
| Net interest margin | 4.0845% | 615 |
| Noninterest income to average assets | 1.4972% | 501 |
| Noninterest expense to average assets | 3.6110% | 426 |
| Loan and lease loss provision to assets | 0.0924% | 1,349 |
| Net operating income to assets | 1.5681% | 881 |
| Return on assets (ROA) | 1.6106% | 813 |
| Pretax return on assets | 1.6106% | 1,400 |
| Return on Equity (ROE) | 15.9104% | 776 |
| Retained earnings to average equity (ytd only) | 10.1283% | 886 |
| Net charge-offs to loans | 0.0886% | 926 |
| Credit loss provision to net charge-offs | 195.9064% | 1,317 |
| Earnings coverage of net charge-offs (x) | 35.2047% | 1,505 |
| Efficiency ratio | 68.1126% | 1,958 |
| Assets per employee ($millions) | 3.3606% | 4,622 |
| Cash dividends to net income (ytd only)* | 36.3418% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 3,182 |
| Loan loss allowance to noncurrent loans | 112.7255% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 1,202 |
| Noncurrent loans to loans | 1.0092% | 975 |
| Net loans and leases to total assets | 51.9509% | 3,075 |
| Net loans and leases to deposits | 58.1852% | 3,238 |
| Net loans and leases to core deposits | 59.1469% | 3,379 |
| Total domestic deposits to total assets | 89.2854% | 1,357 |
| Equity capital to assets | 9.8950% | 2,759 |
| Core capital (leverage) ratio | 9.9251% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,534,200 | 2,138 |
| Average earning assets | $335,001,200 | 2,163 |
| Average equity | $36,699,200 | 2,217 |
| Average total loans | $192,897,800 | 2,285 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 670 |
| Cost of funding earning assets | 0.2955% | 2,637 |
| Net interest margin | 4.2083% | 536 |
| Noninterest income to average assets | 1.5989% | 489 |
| Noninterest expense to average assets | 3.6193% | 401 |
| Loan and lease loss provision to assets | 0.0983% | 1,216 |
| Net operating income to assets | 1.7686% | 714 |
| Return on assets (ROA) | 1.8288% | 658 |
| Pretax return on assets | 1.8288% | 1,095 |
| Return on Equity (ROE) | 17.9594% | 631 |
| Retained earnings to average equity (ytd only) | 12.4458% | 737 |
| Net charge-offs to loans | 0.0730% | 921 |
| Credit loss provision to net charge-offs | 252.3810% | 1,092 |
| Earnings coverage of net charge-offs (x) | 47.8857% | 1,267 |
| Efficiency ratio | 65.4687% | 2,177 |
| Assets per employee ($millions) | 3.2884% | 4,700 |
| Cash dividends to net income (ytd only)* | 30.7005% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,310 |
| Loan loss allowance to noncurrent loans | 106.9524% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 1,361 |
| Noncurrent loans to loans | 1.0530% | 1,080 |
| Net loans and leases to total assets | 53.0665% | 3,076 |
| Net loans and leases to deposits | 59.7840% | 3,248 |
| Net loans and leases to core deposits | 60.6712% | 3,429 |
| Total domestic deposits to total assets | 88.7638% | 1,424 |
| Equity capital to assets | 10.2082% | 2,700 |
| Core capital (leverage) ratio | 9.9680% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $359,069,750 | 2,176 |
| Average earning assets | $331,684,750 | 2,205 |
| Average equity | $36,563,000 | 2,253 |
| Average total loans | $191,675,000 | 2,334 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 477 |
| Cost of funding earning assets | 0.3093% | 2,686 |
| Net interest margin | 4.4721% | 372 |
| Noninterest income to average assets | 0.9327% | 1,190 |
| Noninterest expense to average assets | 3.5554% | 437 |
| Loan and lease loss provision to assets | 0.0862% | 1,423 |
| Net operating income to assets | 1.4145% | 1,527 |
| Return on assets (ROA) | 1.4303% | 1,545 |
| Pretax return on assets | 1.4303% | 2,240 |
| Return on Equity (ROE) | 14.0585% | 1,396 |
| Retained earnings to average equity (ytd only) | 11.1615% | 1,089 |
| Net charge-offs to loans | 0.0931% | 780 |
| Credit loss provision to net charge-offs | 173.8636% | 1,108 |
| Earnings coverage of net charge-offs (x) | 30.2614% | 1,304 |
| Efficiency ratio | 69.4940% | 1,706 |
| Assets per employee ($millions) | 3.2599% | 4,737 |
| Cash dividends to net income (ytd only)* | 20.6068% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 3,493 |
| Loan loss allowance to noncurrent loans | 63.1904% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 825 |
| Noncurrent loans to loans | 1.7119% | 616 |
| Net loans and leases to total assets | 53.8706% | 3,146 |
| Net loans and leases to deposits | 60.7868% | 3,320 |
| Net loans and leases to core deposits | 62.0368% | 3,458 |
| Total domestic deposits to total assets | 88.6222% | 1,491 |
| Equity capital to assets | 10.1001% | 2,765 |
| Core capital (leverage) ratio | 9.6346% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $354,895,667 | 2,181 |
| Average earning assets | $327,227,333 | 2,210 |
| Average equity | $36,106,333 | 2,265 |
| Average total loans | $189,087,667 | 2,360 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 825 |
| Cost of funding earning assets | 0.3244% | 2,755 |
| Net interest margin | 4.1376% | 677 |
| Noninterest income to average assets | 0.9080% | 1,307 |
| Noninterest expense to average assets | 3.5850% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1298% | 2,388 |
| Return on assets (ROA) | 1.1378% | 2,429 |
| Pretax return on assets | 1.1378% | 3,019 |
| Return on Equity (ROE) | 11.1419% | 2,318 |
| Retained earnings to average equity (ytd only) | 11.1419% | 1,367 |
| Net charge-offs to loans | 0.1042% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,246 |
| Efficiency ratio | 74.3876% | 1,272 |
| Assets per employee ($millions) | 3.2867% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,435 |
| Loan loss allowance to noncurrent loans | 89.3860% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6699% | 1,403 |
| Noncurrent loans to loans | 1.2289% | 1,069 |
| Net loans and leases to total assets | 50.7546% | 3,559 |
| Net loans and leases to deposits | 56.8508% | 3,730 |
| Net loans and leases to core deposits | 57.9791% | 3,837 |
| Total domestic deposits to total assets | 89.2767% | 1,185 |
| Equity capital to assets | 9.8022% | 2,895 |
| Core capital (leverage) ratio | 9.9089% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,786,500 | 2,190 |
| Average earning assets | $321,831,500 | 2,212 |
| Average equity | $35,721,000 | 2,274 |
| Average total loans | $184,211,500 | 2,405 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 871 |
| Cost of funding earning assets | 0.4565% | 3,247 |
| Net interest margin | 4.2569% | 552 |
| Noninterest income to average assets | 1.1373% | 832 |
| Noninterest expense to average assets | 4.0381% | 372 |
| Loan and lease loss provision to assets | 0.1399% | 2,610 |
| Net operating income to assets | 0.8395% | 2,944 |
| Return on assets (ROA) | 0.8614% | 2,992 |
| Pretax return on assets | 0.8614% | 3,472 |
| Return on Equity (ROE) | 7.6496% | 2,942 |
| Retained earnings to average equity (ytd only) | 2.5576% | 3,571 |
| Net charge-offs to loans | 0.1211% | 1,283 |
| Credit loss provision to net charge-offs | 206.7633% | 2,130 |
| Earnings coverage of net charge-offs (x) | 14.4734% | 2,211 |
| Efficiency ratio | 78.6696% | 983 |
| Assets per employee ($millions) | 3.1013% | 4,792 |
| Cash dividends to net income (ytd only)* | 66.5655% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 3,245 |
| Loan loss allowance to noncurrent loans | 94.5199% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 1,515 |
| Noncurrent loans to loans | 1.2073% | 1,156 |
| Net loans and leases to total assets | 53.4858% | 3,534 |
| Net loans and leases to deposits | 60.8049% | 3,695 |
| Net loans and leases to core deposits | 62.0335% | 3,826 |
| Total domestic deposits to total assets | 87.9630% | 1,489 |
| Equity capital to assets | 10.6508% | 2,561 |
| Core capital (leverage) ratio | 9.9698% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,907,800 | 2,268 |
| Average earning assets | $278,838,400 | 2,296 |
| Average equity | $34,446,400 | 2,256 |
| Average total loans | $170,886,000 | 2,480 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9140% | 713 |
| Cost of funding earning assets | 0.4843% | 3,330 |
| Net interest margin | 4.4297% | 447 |
| Noninterest income to average assets | 0.9037% | 1,209 |
| Noninterest expense to average assets | 4.0777% | 359 |
| Loan and lease loss provision to assets | 0.0581% | 3,627 |
| Net operating income to assets | 0.8003% | 3,086 |
| Return on assets (ROA) | 0.8308% | 3,103 |
| Pretax return on assets | 0.8308% | 3,571 |
| Return on Equity (ROE) | 7.2661% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.7667% | 2,200 |
| Net charge-offs to loans | 0.0929% | 1,379 |
| Credit loss provision to net charge-offs | 111.1111% | 2,542 |
| Earnings coverage of net charge-offs (x) | 16.3932% | 2,060 |
| Efficiency ratio | 80.7218% | 819 |
| Assets per employee ($millions) | 2.9544% | 4,851 |
| Cash dividends to net income (ytd only)* | 20.6358% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,430 |
| Loan loss allowance to noncurrent loans | 83.3925% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.7779% | 1,486 |
| Noncurrent loans to loans | 1.2660% | 1,180 |
| Net loans and leases to total assets | 54.6552% | 3,741 |
| Net loans and leases to deposits | 62.3233% | 3,915 |
| Net loans and leases to core deposits | 63.6487% | 4,026 |
| Total domestic deposits to total assets | 87.6963% | 1,343 |
| Equity capital to assets | 11.1168% | 2,312 |
| Core capital (leverage) ratio | 10.3822% | 2,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,874,500 | 2,291 |
| Average earning assets | $271,164,000 | 2,322 |
| Average equity | $34,057,000 | 2,276 |
| Average total loans | $167,884,750 | 2,509 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 565 |
| Cost of funding earning assets | 0.5119% | 3,464 |
| Net interest margin | 4.6945% | 347 |
| Noninterest income to average assets | 0.8723% | 1,231 |
| Noninterest expense to average assets | 4.2419% | 317 |
| Loan and lease loss provision to assets | 0.0690% | 3,427 |
| Net operating income to assets | 0.8267% | 2,951 |
| Return on assets (ROA) | 0.8736% | 2,914 |
| Pretax return on assets | 0.8736% | 3,390 |
| Return on Equity (ROE) | 7.5636% | 2,915 |
| Retained earnings to average equity (ytd only) | 6.4941% | 1,866 |
| Net charge-offs to loans | 0.0535% | 1,726 |
| Credit loss provision to net charge-offs | 227.2727% | 1,812 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,449 |
| Efficiency ratio | 80.7119% | 840 |
| Assets per employee ($millions) | 2.8658% | 4,888 |
| Cash dividends to net income (ytd only)* | 14.1390% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,102 |
| Loan loss allowance to noncurrent loans | 85.0376% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 1,575 |
| Noncurrent loans to loans | 1.2864% | 1,213 |
| Net loans and leases to total assets | 55.6018% | 3,723 |
| Net loans and leases to deposits | 63.4532% | 3,924 |
| Net loans and leases to core deposits | 64.8331% | 4,031 |
| Total domestic deposits to total assets | 87.6264% | 1,365 |
| Equity capital to assets | 11.2464% | 2,152 |
| Core capital (leverage) ratio | 10.6343% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,824,000 | 2,313 |
| Average earning assets | $263,329,667 | 2,345 |
| Average equity | $33,476,333 | 2,291 |
| Average total loans | $164,552,333 | 2,524 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 1,135 |
| Cost of funding earning assets | 0.5486% | 3,701 |
| Net interest margin | 4.3748% | 654 |
| Noninterest income to average assets | 0.8487% | 1,168 |
| Noninterest expense to average assets | 4.4301% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3805% | 4,175 |
| Return on assets (ROA) | 0.3949% | 4,181 |
| Pretax return on assets | 0.3949% | 4,298 |
| Return on Equity (ROE) | 3.3692% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.3692% | 2,933 |
| Net charge-offs to loans | 0.1233% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.4082% | 2,061 |
| Efficiency ratio | 90.0299% | 496 |
| Assets per employee ($millions) | 2.6399% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 3,009 |
| Loan loss allowance to noncurrent loans | 87.7295% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 1,632 |
| Noncurrent loans to loans | 1.2956% | 1,265 |
| Net loans and leases to total assets | 55.9183% | 3,845 |
| Net loans and leases to deposits | 64.4186% | 3,957 |
| Net loans and leases to core deposits | 65.7710% | 4,094 |
| Total domestic deposits to total assets | 86.8047% | 1,647 |
| Equity capital to assets | 11.8766% | 2,160 |
| Core capital (leverage) ratio | 11.2354% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,548,500 | 2,331 |
| Average earning assets | $252,265,000 | 2,357 |
| Average equity | $32,649,000 | 2,320 |
| Average total loans | $159,025,000 | 2,549 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,098 |
| Cost of funding earning assets | 0.5065% | 4,062 |
| Net interest margin | 4.2755% | 1,152 |
| Noninterest income to average assets | 1.2260% | 623 |
| Noninterest expense to average assets | 4.4620% | 317 |
| Loan and lease loss provision to assets | 0.1674% | 1,247 |
| Net operating income to assets | 0.4769% | 4,459 |
| Return on assets (ROA) | 0.6040% | 4,208 |
| Pretax return on assets | 0.6040% | 4,405 |
| Return on Equity (ROE) | 5.3603% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.5355% | 3,760 |
| Net charge-offs to loans | 0.2047% | 1,002 |
| Credit loss provision to net charge-offs | 150.8251% | 1,692 |
| Earnings coverage of net charge-offs (x) | 5.8053% | 3,040 |
| Efficiency ratio | 85.3945% | 576 |
| Assets per employee ($millions) | 2.5896% | 4,973 |
| Cash dividends to net income (ytd only)* | 52.6986% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 2,559 |
| Loan loss allowance to noncurrent loans | 109.9646% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 1,918 |
| Noncurrent loans to loans | 1.0715% | 1,413 |
| Net loans and leases to total assets | 56.9828% | 3,851 |
| Net loans and leases to deposits | 65.4679% | 3,983 |
| Net loans and leases to core deposits | 66.8011% | 4,147 |
| Total domestic deposits to total assets | 87.0392% | 1,588 |
| Equity capital to assets | 11.5444% | 2,494 |
| Core capital (leverage) ratio | 11.1533% | 2,372 |
| Tier 1 risk-based capital ratio | 18.3222% | 1,685 |
| Total risk-based capital ratio | 19.4366% | 1,670 |
| Memoranda: | ||
| Average total assets | $272,994,400 | 2,314 |
| Average earning assets | $247,759,000 | 2,349 |
| Average equity | $30,763,000 | 2,349 |
| Average total loans | $148,002,600 | 2,641 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 2,426 |
| Cost of funding earning assets | 0.4928% | 4,171 |
| Net interest margin | 4.2036% | 1,373 |
| Noninterest income to average assets | 1.0491% | 839 |
| Noninterest expense to average assets | 4.3209% | 356 |
| Loan and lease loss provision to assets | 0.0988% | 1,941 |
| Net operating income to assets | 0.4426% | 4,635 |
| Return on assets (ROA) | 0.5624% | 4,434 |
| Pretax return on assets | 0.5624% | 4,606 |
| Return on Equity (ROE) | 5.0220% | 4,321 |
| Retained earnings to average equity (ytd only) | 3.1748% | 3,821 |
| Net charge-offs to loans | 0.1999% | 872 |
| Credit loss provision to net charge-offs | 92.6606% | 2,365 |
| Earnings coverage of net charge-offs (x) | 5.0780% | 2,955 |
| Efficiency ratio | 86.7833% | 460 |
| Assets per employee ($millions) | 2.6106% | 5,045 |
| Cash dividends to net income (ytd only)* | 36.7828% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 3,002 |
| Loan loss allowance to noncurrent loans | 105.8052% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 2,258 |
| Noncurrent loans to loans | 1.0454% | 1,533 |
| Net loans and leases to total assets | 54.7652% | 4,114 |
| Net loans and leases to deposits | 62.8862% | 4,243 |
| Net loans and leases to core deposits | 64.1596% | 4,356 |
| Total domestic deposits to total assets | 87.0862% | 1,474 |
| Equity capital to assets | 11.5124% | 2,648 |
| Core capital (leverage) ratio | 11.3079% | 2,371 |
| Tier 1 risk-based capital ratio | 19.0373% | 1,558 |
| Total risk-based capital ratio | 20.0760% | 1,573 |
| Memoranda: | ||
| Average total assets | $272,618,750 | 2,332 |
| Average earning assets | $247,307,000 | 2,369 |
| Average equity | $30,531,500 | 2,373 |
| Average total loans | $145,433,000 | 2,691 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 2,669 |
| Cost of funding earning assets | 0.4680% | 4,250 |
| Net interest margin | 4.1347% | 1,511 |
| Noninterest income to average assets | 1.1060% | 696 |
| Noninterest expense to average assets | 4.2138% | 406 |
| Loan and lease loss provision to assets | 0.0664% | 2,490 |
| Net operating income to assets | 0.5714% | 4,381 |
| Return on assets (ROA) | 0.5574% | 4,441 |
| Pretax return on assets | 0.5574% | 4,615 |
| Return on Equity (ROE) | 5.0250% | 4,339 |
| Retained earnings to average equity (ytd only) | 3.4364% | 3,523 |
| Net charge-offs to loans | 0.2002% | 820 |
| Credit loss provision to net charge-offs | 62.9371% | 2,383 |
| Earnings coverage of net charge-offs (x) | 6.0490% | 2,601 |
| Efficiency ratio | 84.7720% | 604 |
| Assets per employee ($millions) | 2.6999% | 5,058 |
| Cash dividends to net income (ytd only)* | 31.6138% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 2,918 |
| Loan loss allowance to noncurrent loans | 155.9737% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 2,925 |
| Noncurrent loans to loans | 0.7228% | 2,184 |
| Net loans and leases to total assets | 52.7988% | 4,304 |
| Net loans and leases to deposits | 60.4478% | 4,409 |
| Net loans and leases to core deposits | 61.5739% | 4,517 |
| Total domestic deposits to total assets | 87.3461% | 1,410 |
| Equity capital to assets | 11.3746% | 2,727 |
| Core capital (leverage) ratio | 11.5011% | 2,166 |
| Tier 1 risk-based capital ratio | 19.0374% | 1,548 |
| Total risk-based capital ratio | 20.0626% | 1,561 |
| Memoranda: | ||
| Average total assets | $271,249,330 | 2,350 |
| Average earning assets | $245,725,330 | 2,383 |
| Average equity | $30,089,330 | 2,395 |
| Average total loans | $142,829,000 | 2,733 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 2,686 |
| Cost of funding earning assets | 0.4631% | 4,229 |
| Net interest margin | 4.0903% | 1,571 |
| Noninterest income to average assets | 0.8663% | 1,128 |
| Noninterest expense to average assets | 3.9958% | 546 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4933% | 4,541 |
| Return on assets (ROA) | 0.4933% | 4,559 |
| Pretax return on assets | 0.4933% | 4,705 |
| Return on Equity (ROE) | 4.5060% | 4,466 |
| Retained earnings to average equity (ytd only) | 4.0445% | 3,300 |
| Net charge-offs to loans | 0.2473% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.8161% | 2,375 |
| Efficiency ratio | 86.7594% | 533 |
| Assets per employee ($millions) | 2.7467% | 5,096 |
| Cash dividends to net income (ytd only)* | 10.2410% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 2,827 |
| Loan loss allowance to noncurrent loans | 113.8850% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.5276% | 2,520 |
| Noncurrent loans to loans | 1.0131% | 1,647 |
| Net loans and leases to total assets | 50.6552% | 4,424 |
| Net loans and leases to deposits | 57.7280% | 4,519 |
| Net loans and leases to core deposits | 58.7394% | 4,617 |
| Total domestic deposits to total assets | 87.7480% | 1,456 |
| Equity capital to assets | 10.9690% | 2,885 |
| Core capital (leverage) ratio | 11.5594% | 2,095 |
| Tier 1 risk-based capital ratio | 18.4900% | 1,666 |
| Total risk-based capital ratio | 19.4746% | 1,689 |
| Memoranda: | ||
| Average total assets | $269,181,500 | 2,378 |
| Average earning assets | $238,415,500 | 2,467 |
| Average equity | $29,472,000 | 2,439 |
| Average total loans | $140,714,500 | 2,793 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 2,715 |
| Cost of funding earning assets | 0.3654% | 4,189 |
| Net interest margin | 4.0489% | 1,829 |
| Noninterest income to average assets | 1.1332% | 717 |
| Noninterest expense to average assets | 4.0395% | 504 |
| Loan and lease loss provision to assets | 0.1040% | 2,113 |
| Net operating income to assets | 0.6564% | 4,265 |
| Return on assets (ROA) | 0.7080% | 4,121 |
| Pretax return on assets | 0.7080% | 4,392 |
| Return on Equity (ROE) | 6.5541% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.1130% | 3,836 |
| Net charge-offs to loans | 0.1831% | 1,054 |
| Credit loss provision to net charge-offs | 109.7561% | 2,344 |
| Earnings coverage of net charge-offs (x) | 8.0244% | 2,931 |
| Efficiency ratio | 81.9356% | 811 |
| Assets per employee ($millions) | 2.6636% | 5,153 |
| Cash dividends to net income (ytd only)* | 52.5027% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,490 |
| Loan loss allowance to noncurrent loans | 104.4567% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6561% | 2,082 |
| Noncurrent loans to loans | 1.1644% | 1,382 |
| Net loans and leases to total assets | 52.6974% | 4,375 |
| Net loans and leases to deposits | 60.1669% | 4,467 |
| Net loans and leases to core deposits | 61.3402% | 4,570 |
| Total domestic deposits to total assets | 87.5854% | 1,491 |
| Equity capital to assets | 10.9277% | 2,760 |
| Core capital (leverage) ratio | 11.5581% | 2,055 |
| Tier 1 risk-based capital ratio | 19.4028% | 1,427 |
| Total risk-based capital ratio | 20.5046% | 1,425 |
| Memoranda: | ||
| Average total assets | $259,609,800 | 2,403 |
| Average earning assets | $235,101,000 | 2,449 |
| Average equity | $28,043,400 | 2,457 |
| Average total loans | $134,387,000 | 2,829 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 2,731 |
| Cost of funding earning assets | 0.3455% | 4,213 |
| Net interest margin | 4.0238% | 1,881 |
| Noninterest income to average assets | 1.0864% | 799 |
| Noninterest expense to average assets | 3.9496% | 558 |
| Loan and lease loss provision to assets | 0.0619% | 2,740 |
| Net operating income to assets | 0.7198% | 4,165 |
| Return on assets (ROA) | 0.5543% | 4,644 |
| Pretax return on assets | 0.5543% | 4,812 |
| Return on Equity (ROE) | 5.1465% | 4,514 |
| Retained earnings to average equity (ytd only) | 3.3368% | 4,082 |
| Net charge-offs to loans | 0.1235% | 1,277 |
| Credit loss provision to net charge-offs | 97.5610% | 2,328 |
| Earnings coverage of net charge-offs (x) | 12.3249% | 2,459 |
| Efficiency ratio | 81.2228% | 841 |
| Assets per employee ($millions) | 2.6489% | 5,232 |
| Cash dividends to net income (ytd only)* | 35.1629% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,525 |
| Loan loss allowance to noncurrent loans | 100.2978% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 2,134 |
| Noncurrent loans to loans | 1.2143% | 1,389 |
| Net loans and leases to total assets | 52.0828% | 4,482 |
| Net loans and leases to deposits | 59.1677% | 4,592 |
| Net loans and leases to core deposits | 60.2257% | 4,692 |
| Total domestic deposits to total assets | 88.0257% | 1,229 |
| Equity capital to assets | 10.5901% | 3,053 |
| Core capital (leverage) ratio | 11.5605% | 2,127 |
| Tier 1 risk-based capital ratio | 18.5236% | 1,659 |
| Total risk-based capital ratio | 19.5673% | 1,669 |
| Memoranda: | ||
| Average total assets | $258,587,750 | 2,421 |
| Average earning assets | $234,232,750 | 2,468 |
| Average equity | $27,850,250 | 2,472 |
| Average total loans | $132,815,500 | 2,865 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 2,886 |
| Cost of funding earning assets | 0.3236% | 4,250 |
| Net interest margin | 3.9430% | 2,056 |
| Noninterest income to average assets | 0.9527% | 1,046 |
| Noninterest expense to average assets | 3.8816% | 614 |
| Loan and lease loss provision to assets | 0.0389% | 3,130 |
| Net operating income to assets | 0.6209% | 4,437 |
| Return on assets (ROA) | 0.3823% | 4,992 |
| Pretax return on assets | 0.3823% | 5,065 |
| Return on Equity (ROE) | 3.5299% | 4,922 |
| Retained earnings to average equity (ytd only) | 1.7936% | 4,528 |
| Net charge-offs to loans | 0.1252% | 1,179 |
| Credit loss provision to net charge-offs | 60.9756% | 2,421 |
| Earnings coverage of net charge-offs (x) | 10.3537% | 2,333 |
| Efficiency ratio | 83.1280% | 749 |
| Assets per employee ($millions) | 2.6204% | 5,300 |
| Cash dividends to net income (ytd only)* | 49.1870% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 2,549 |
| Loan loss allowance to noncurrent loans | 80.2619% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8878% | 1,696 |
| Noncurrent loans to loans | 1.5338% | 1,088 |
| Net loans and leases to total assets | 51.1832% | 4,529 |
| Net loans and leases to deposits | 58.1019% | 4,635 |
| Net loans and leases to core deposits | 59.1665% | 4,742 |
| Total domestic deposits to total assets | 88.0922% | 1,326 |
| Equity capital to assets | 10.6218% | 3,005 |
| Core capital (leverage) ratio | 11.3909% | 2,166 |
| Tier 1 risk-based capital ratio | 18.9240% | 1,564 |
| Total risk-based capital ratio | 19.9903% | 1,573 |
| Memoranda: | ||
| Average total assets | $257,369,000 | 2,444 |
| Average earning assets | $234,235,670 | 2,481 |
| Average equity | $27,876,330 | 2,477 |
| Average total loans | $130,998,000 | 2,899 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 3,313 |
| Cost of funding earning assets | 0.3084% | 4,282 |
| Net interest margin | 3.7693% | 2,548 |
| Noninterest income to average assets | 0.9284% | 1,076 |
| Noninterest expense to average assets | 3.8807% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4806% | 4,737 |
| Return on assets (ROA) | 0.3292% | 5,059 |
| Pretax return on assets | 0.3292% | 5,131 |
| Return on Equity (ROE) | 3.0103% | 5,017 |
| Retained earnings to average equity (ytd only) | 1.9260% | 4,374 |
| Net charge-offs to loans | 0.1330% | 1,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.1628% | 2,112 |
| Efficiency ratio | 86.5474% | 609 |
| Assets per employee ($millions) | 2.7626% | 5,304 |
| Cash dividends to net income (ytd only)* | 36.0190% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,397 |
| Loan loss allowance to noncurrent loans | 82.2000% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 1,817 |
| Noncurrent loans to loans | 1.5460% | 1,133 |
| Net loans and leases to total assets | 49.1832% | 4,616 |
| Net loans and leases to deposits | 55.8316% | 4,700 |
| Net loans and leases to core deposits | 57.0317% | 4,794 |
| Total domestic deposits to total assets | 88.0922% | 1,566 |
| Equity capital to assets | 10.6533% | 2,920 |
| Core capital (leverage) ratio | 11.6305% | 1,907 |
| Tier 1 risk-based capital ratio | 19.5858% | 1,421 |
| Total risk-based capital ratio | 20.6890% | 1,414 |
| Memoranda: | ||
| Average total assets | $256,344,000 | 2,472 |
| Average earning assets | $233,467,500 | 2,509 |
| Average equity | $28,037,000 | 2,490 |
| Average total loans | $129,280,000 | 2,941 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 3,116 |
| Cost of funding earning assets | 0.2322% | 4,713 |
| Net interest margin | 3.8496% | 2,256 |
| Noninterest income to average assets | 1.1301% | 797 |
| Noninterest expense to average assets | 3.9105% | 609 |
| Loan and lease loss provision to assets | 0.0591% | 3,053 |
| Net operating income to assets | 0.6545% | 3,801 |
| Return on assets (ROA) | 0.6381% | 3,895 |
| Pretax return on assets | 0.6381% | 4,655 |
| Return on Equity (ROE) | 5.7618% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.5807% | 3,776 |
| Net charge-offs to loans | 0.1915% | 1,331 |
| Credit loss provision to net charge-offs | 61.2903% | 3,200 |
| Earnings coverage of net charge-offs (x) | 7.3992% | 3,049 |
| Efficiency ratio | 82.2387% | 913 |
| Assets per employee ($millions) | 2.7205% | 5,369 |
| Cash dividends to net income (ytd only)* | 55.2102% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,187 |
| Loan loss allowance to noncurrent loans | 85.2882% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 1,837 |
| Noncurrent loans to loans | 1.5310% | 1,104 |
| Net loans and leases to total assets | 50.3976% | 4,628 |
| Net loans and leases to deposits | 57.6840% | 4,701 |
| Net loans and leases to core deposits | 58.6811% | 4,820 |
| Total domestic deposits to total assets | 87.3685% | 1,825 |
| Equity capital to assets | 11.2288% | 2,408 |
| Core capital (leverage) ratio | 11.5349% | 1,920 |
| Tier 1 risk-based capital ratio | 20.1637% | 1,286 |
| Total risk-based capital ratio | 21.3301% | 1,265 |
| Memoranda: | ||
| Average total assets | $257,151,800 | 2,442 |
| Average earning assets | $233,398,200 | 2,473 |
| Average equity | $28,480,800 | 2,465 |
| Average total loans | $129,530,800 | 2,920 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,258 |
| Cost of funding earning assets | 0.2238% | 4,779 |
| Net interest margin | 3.8026% | 2,382 |
| Noninterest income to average assets | 0.8851% | 1,320 |
| Noninterest expense to average assets | 3.7605% | 711 |
| Loan and lease loss provision to assets | 0.0423% | 3,260 |
| Net operating income to assets | 0.5309% | 4,651 |
| Return on assets (ROA) | 0.5324% | 4,676 |
| Pretax return on assets | 0.5324% | 4,968 |
| Return on Equity (ROE) | 4.8235% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.7790% | 4,248 |
| Net charge-offs to loans | 0.1481% | 1,358 |
| Credit loss provision to net charge-offs | 56.9444% | 2,839 |
| Earnings coverage of net charge-offs (x) | 7.7081% | 2,849 |
| Efficiency ratio | 84.3065% | 732 |
| Assets per employee ($millions) | 2.7142% | 5,430 |
| Cash dividends to net income (ytd only)* | 42.3860% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,363 |
| Loan loss allowance to noncurrent loans | 77.4876% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 1,565 |
| Noncurrent loans to loans | 1.6741% | 1,090 |
| Net loans and leases to total assets | 51.3240% | 4,625 |
| Net loans and leases to deposits | 58.7255% | 4,702 |
| Net loans and leases to core deposits | 59.8778% | 4,823 |
| Total domestic deposits to total assets | 87.3964% | 1,672 |
| Equity capital to assets | 11.3646% | 2,498 |
| Core capital (leverage) ratio | 11.3930% | 2,110 |
| Tier 1 risk-based capital ratio | 19.3719% | 1,506 |
| Total risk-based capital ratio | 20.5228% | 1,481 |
| Memoranda: | ||
| Average total assets | $258,189,250 | 2,444 |
| Average earning assets | $234,149,000 | 2,479 |
| Average equity | $28,498,750 | 2,480 |
| Average total loans | $129,615,000 | 2,941 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,406 |
| Cost of funding earning assets | 0.2205% | 4,801 |
| Net interest margin | 3.7198% | 2,583 |
| Noninterest income to average assets | 0.9128% | 1,235 |
| Noninterest expense to average assets | 3.7877% | 682 |
| Loan and lease loss provision to assets | 0.0039% | 3,825 |
| Net operating income to assets | 0.4923% | 4,726 |
| Return on assets (ROA) | 0.4290% | 4,927 |
| Pretax return on assets | 0.4290% | 5,119 |
| Return on Equity (ROE) | 3.9247% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.2871% | 4,311 |
| Net charge-offs to loans | 0.1509% | 1,248 |
| Credit loss provision to net charge-offs | 5.1546% | 2,881 |
| Earnings coverage of net charge-offs (x) | 6.6289% | 2,684 |
| Efficiency ratio | 85.9510% | 691 |
| Assets per employee ($millions) | 2.6865% | 5,479 |
| Cash dividends to net income (ytd only)* | 41.7266% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,378 |
| Loan loss allowance to noncurrent loans | 84.1215% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8888% | 1,997 |
| Noncurrent loans to loans | 1.5528% | 1,202 |
| Net loans and leases to total assets | 49.0005% | 4,765 |
| Net loans and leases to deposits | 55.6013% | 4,868 |
| Net loans and leases to core deposits | 56.6584% | 4,967 |
| Total domestic deposits to total assets | 88.1284% | 1,394 |
| Equity capital to assets | 11.0296% | 2,779 |
| Core capital (leverage) ratio | 11.1957% | 2,225 |
| Tier 1 risk-based capital ratio | 19.1311% | 1,570 |
| Total risk-based capital ratio | 20.2600% | 1,539 |
| Memoranda: | ||
| Average total assets | $259,207,670 | 2,446 |
| Average earning assets | $234,907,330 | 2,490 |
| Average equity | $28,333,330 | 2,485 |
| Average total loans | $128,598,000 | 2,968 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 3,438 |
| Cost of funding earning assets | 0.2181% | 4,817 |
| Net interest margin | 3.6694% | 2,607 |
| Noninterest income to average assets | 0.8479% | 1,406 |
| Noninterest expense to average assets | 3.8079% | 674 |
| Loan and lease loss provision to assets | 0.0077% | 3,455 |
| Net operating income to assets | 0.3652% | 5,037 |
| Return on assets (ROA) | 0.2352% | 5,351 |
| Pretax return on assets | 0.2352% | 5,398 |
| Return on Equity (ROE) | 2.1615% | 5,311 |
| Retained earnings to average equity (ytd only) | 1.2372% | 4,579 |
| Net charge-offs to loans | 0.0499% | 1,862 |
| Credit loss provision to net charge-offs | 31.2500% | 2,107 |
| Earnings coverage of net charge-offs (x) | 15.0625% | 1,694 |
| Efficiency ratio | 88.5640% | 629 |
| Assets per employee ($millions) | 2.6968% | 5,540 |
| Cash dividends to net income (ytd only)* | 42.7632% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 2,106 |
| Loan loss allowance to noncurrent loans | 127.6657% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 2,652 |
| Noncurrent loans to loans | 1.0902% | 1,880 |
| Net loans and leases to total assets | 47.9925% | 4,825 |
| Net loans and leases to deposits | 54.2842% | 4,916 |
| Net loans and leases to core deposits | 55.2464% | 5,010 |
| Total domestic deposits to total assets | 88.4097% | 1,480 |
| Equity capital to assets | 10.8193% | 2,836 |
| Core capital (leverage) ratio | 11.2570% | 2,140 |
| Tier 1 risk-based capital ratio | 18.5027% | 1,742 |
| Total risk-based capital ratio | 19.6592% | 1,722 |
| Memoranda: | ||
| Average total assets | $258,517,000 | 2,474 |
| Average earning assets | $234,807,500 | 2,512 |
| Average equity | $28,129,000 | 2,503 |
| Average total loans | $128,207,000 | 2,990 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 3,758 |
| Cost of funding earning assets | 0.2546% | 4,525 |
| Net interest margin | 3.5908% | 3,103 |
| Noninterest income to average assets | 0.9637% | 1,233 |
| Noninterest expense to average assets | 3.7174% | 861 |
| Loan and lease loss provision to assets | 0.0869% | 2,627 |
| Net operating income to assets | 0.4188% | 4,879 |
| Return on assets (ROA) | 0.4365% | 4,921 |
| Pretax return on assets | 0.4365% | 5,147 |
| Return on Equity (ROE) | 4.0056% | 4,832 |
| Retained earnings to average equity (ytd only) | 1.4293% | 4,693 |
| Net charge-offs to loans | 0.1590% | 1,687 |
| Credit loss provision to net charge-offs | 111.8812% | 2,348 |
| Earnings coverage of net charge-offs (x) | 6.5099% | 3,165 |
| Efficiency ratio | 85.5036% | 859 |
| Assets per employee ($millions) | 2.6335% | 5,593 |
| Cash dividends to net income (ytd only)* | 64.3172% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,165 |
| Loan loss allowance to noncurrent loans | 87.9132% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 2,197 |
| Noncurrent loans to loans | 1.5701% | 1,258 |
| Net loans and leases to total assets | 49.8413% | 4,774 |
| Net loans and leases to deposits | 56.4696% | 4,888 |
| Net loans and leases to core deposits | 57.5808% | 4,992 |
| Total domestic deposits to total assets | 88.2621% | 1,505 |
| Equity capital to assets | 10.9440% | 2,672 |
| Core capital (leverage) ratio | 11.2281% | 2,137 |
| Tier 1 risk-based capital ratio | 19.4226% | 1,501 |
| Total risk-based capital ratio | 20.6394% | 1,466 |
| Memoranda: | ||
| Average total assets | $260,046,200 | 2,441 |
| Average earning assets | $236,048,000 | 2,470 |
| Average equity | $28,335,000 | 2,490 |
| Average total loans | $127,044,400 | 2,961 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 3,900 |
| Cost of funding earning assets | 0.2452% | 4,646 |
| Net interest margin | 3.5620% | 3,225 |
| Noninterest income to average assets | 0.8678% | 1,522 |
| Noninterest expense to average assets | 3.7503% | 790 |
| Loan and lease loss provision to assets | 0.1154% | 2,003 |
| Net operating income to assets | 0.2353% | 5,409 |
| Return on assets (ROA) | 0.2593% | 5,444 |
| Pretax return on assets | 0.2593% | 5,500 |
| Return on Equity (ROE) | 2.3824% | 5,386 |
| Retained earnings to average equity (ytd only) | 0.0328% | 5,336 |
| Net charge-offs to loans | 0.1707% | 1,347 |
| Credit loss provision to net charge-offs | 139.5062% | 1,874 |
| Earnings coverage of net charge-offs (x) | 4.2408% | 3,295 |
| Efficiency ratio | 88.8598% | 623 |
| Assets per employee ($millions) | 2.7455% | 5,582 |
| Cash dividends to net income (ytd only)* | 98.6210% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 2,101 |
| Loan loss allowance to noncurrent loans | 76.5966% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 2,132 |
| Noncurrent loans to loans | 1.8550% | 1,087 |
| Net loans and leases to total assets | 49.0096% | 4,895 |
| Net loans and leases to deposits | 55.6819% | 5,016 |
| Net loans and leases to core deposits | 56.7693% | 5,110 |
| Total domestic deposits to total assets | 88.0171% | 1,399 |
| Equity capital to assets | 11.1339% | 2,881 |
| Core capital (leverage) ratio | 11.0578% | 2,391 |
| Tier 1 risk-based capital ratio | 19.1668% | 1,634 |
| Total risk-based capital ratio | 20.4145% | 1,591 |
| Memoranda: | ||
| Average total assets | $261,196,500 | 2,438 |
| Average earning assets | $237,088,500 | 2,464 |
| Average equity | $28,429,750 | 2,502 |
| Average total loans | $126,530,750 | 2,982 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 3,828 |
| Cost of funding earning assets | 0.2489% | 4,672 |
| Net interest margin | 3.5861% | 3,153 |
| Noninterest income to average assets | 0.8694% | 1,474 |
| Noninterest expense to average assets | 3.7706% | 801 |
| Loan and lease loss provision to assets | 0.1724% | 1,284 |
| Net operating income to assets | 0.1785% | 5,563 |
| Return on assets (ROA) | 0.2143% | 5,557 |
| Pretax return on assets | 0.2143% | 5,604 |
| Return on Equity (ROE) | 1.9839% | 5,510 |
| Retained earnings to average equity (ytd only) | 0.0353% | 5,279 |
| Net charge-offs to loans | 0.1906% | 1,203 |
| Credit loss provision to net charge-offs | 188.3333% | 1,357 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 3,053 |
| Efficiency ratio | 88.9341% | 662 |
| Assets per employee ($millions) | 2.7181% | 5,672 |
| Cash dividends to net income (ytd only)* | 98.2206% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,967 |
| Loan loss allowance to noncurrent loans | 117.2219% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 2,696 |
| Noncurrent loans to loans | 1.2573% | 1,822 |
| Net loans and leases to total assets | 48.2840% | 4,970 |
| Net loans and leases to deposits | 55.4119% | 5,053 |
| Net loans and leases to core deposits | 56.1901% | 5,154 |
| Total domestic deposits to total assets | 87.1366% | 1,844 |
| Equity capital to assets | 11.1486% | 2,898 |
| Core capital (leverage) ratio | 10.9489% | 2,489 |
| Tier 1 risk-based capital ratio | 19.0039% | 1,695 |
| Total risk-based capital ratio | 20.2545% | 1,663 |
| Memoranda: | ||
| Average total assets | $262,236,670 | 2,441 |
| Average earning assets | $237,808,670 | 2,473 |
| Average equity | $28,328,330 | 2,508 |
| Average total loans | $125,939,330 | 2,999 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 3,998 |
| Cost of funding earning assets | 0.2479% | 4,732 |
| Net interest margin | 3.5369% | 3,327 |
| Noninterest income to average assets | 0.8765% | 1,368 |
| Noninterest expense to average assets | 3.7390% | 853 |
| Loan and lease loss provision to assets | 0.3421% | 437 |
| Net operating income to assets | 0.0136% | 5,772 |
| Return on assets (ROA) | 0.0333% | 5,793 |
| Pretax return on assets | 0.0333% | 5,792 |
| Return on Equity (ROE) | 0.3132% | 5,790 |
| Retained earnings to average equity (ytd only) | -2.3062% | 5,413 |
| Net charge-offs to loans | 0.3470% | 642 |
| Credit loss provision to net charge-offs | 207.3394% | 1,053 |
| Earnings coverage of net charge-offs (x) | 2.1560% | 2,724 |
| Efficiency ratio | 88.7616% | 761 |
| Assets per employee ($millions) | 2.6945% | 5,732 |
| Cash dividends to net income (ytd only)* | 836.3636% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 2,061 |
| Loan loss allowance to noncurrent loans | 119.6429% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 2,843 |
| Noncurrent loans to loans | 1.2396% | 1,949 |
| Net loans and leases to total assets | 47.6797% | 4,993 |
| Net loans and leases to deposits | 54.4715% | 5,075 |
| Net loans and leases to core deposits | 55.6016% | 5,156 |
| Total domestic deposits to total assets | 87.5315% | 1,909 |
| Equity capital to assets | 10.8122% | 3,153 |
| Core capital (leverage) ratio | 10.6047% | 2,845 |
| Tier 1 risk-based capital ratio | 18.6216% | 1,819 |
| Total risk-based capital ratio | 19.8717% | 1,776 |
| Memoranda: | ||
| Average total assets | $264,245,000 | 2,434 |
| Average earning assets | $240,437,000 | 2,462 |
| Average equity | $28,098,500 | 2,522 |
| Average total loans | $125,637,000 | 2,999 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 4,226 |
| Cost of funding earning assets | 0.2724% | 4,557 |
| Net interest margin | 3.4695% | 3,642 |
| Noninterest income to average assets | 1.0558% | 1,059 |
| Noninterest expense to average assets | 3.5951% | 1,135 |
| Loan and lease loss provision to assets | 0.1932% | 1,140 |
| Net operating income to assets | 0.4371% | 4,931 |
| Return on assets (ROA) | 0.4988% | 4,794 |
| Pretax return on assets | 0.4988% | 5,119 |
| Return on Equity (ROE) | 4.6863% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.2648% | 4,993 |
| Net charge-offs to loans | 0.3293% | 905 |
| Credit loss provision to net charge-offs | 127.1144% | 2,046 |
| Earnings coverage of net charge-offs (x) | 4.1468% | 3,605 |
| Efficiency ratio | 82.5935% | 1,325 |
| Assets per employee ($millions) | 2.8118% | 5,693 |
| Cash dividends to net income (ytd only)* | 73.0099% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 2,376 |
| Loan loss allowance to noncurrent loans | 103.5315% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 2,416 |
| Noncurrent loans to loans | 1.3616% | 1,722 |
| Net loans and leases to total assets | 46.0536% | 5,158 |
| Net loans and leases to deposits | 52.4253% | 5,265 |
| Net loans and leases to core deposits | 53.5613% | 5,342 |
| Total domestic deposits to total assets | 87.8462% | 1,724 |
| Equity capital to assets | 10.4586% | 3,410 |
| Core capital (leverage) ratio | 10.4177% | 3,037 |
| Tier 1 risk-based capital ratio | 17.8781% | 1,997 |
| Total risk-based capital ratio | 19.0305% | 1,976 |
| Memoranda: | ||
| Average total assets | $264,443,200 | 2,385 |
| Average earning assets | $241,593,400 | 2,411 |
| Average equity | $28,145,800 | 2,443 |
| Average total loans | $122,069,800 | 3,019 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,262 |
| Cost of funding earning assets | 0.2787% | 4,578 |
| Net interest margin | 3.4707% | 3,661 |
| Noninterest income to average assets | 0.9836% | 1,220 |
| Noninterest expense to average assets | 3.4761% | 1,331 |
| Loan and lease loss provision to assets | 0.1992% | 1,012 |
| Net operating income to assets | 0.4751% | 4,874 |
| Return on assets (ROA) | 0.5449% | 4,708 |
| Pretax return on assets | 0.5449% | 5,112 |
| Return on Equity (ROE) | 5.0972% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.3973% | 4,677 |
| Net charge-offs to loans | 0.3690% | 705 |
| Credit loss provision to net charge-offs | 117.2619% | 2,027 |
| Earnings coverage of net charge-offs (x) | 3.9702% | 3,425 |
| Efficiency ratio | 81.2325% | 1,496 |
| Assets per employee ($millions) | 2.7956% | 5,760 |
| Cash dividends to net income (ytd only)* | 52.9681% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 2,631 |
| Loan loss allowance to noncurrent loans | 121.9129% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 2,856 |
| Noncurrent loans to loans | 1.1436% | 2,223 |
| Net loans and leases to total assets | 45.9706% | 5,229 |
| Net loans and leases to deposits | 52.6733% | 5,329 |
| Net loans and leases to core deposits | 53.8578% | 5,411 |
| Total domestic deposits to total assets | 87.2751% | 1,906 |
| Equity capital to assets | 10.8801% | 3,153 |
| Core capital (leverage) ratio | 10.2958% | 3,259 |
| Tier 1 risk-based capital ratio | 17.6766% | 2,125 |
| Total risk-based capital ratio | 18.8051% | 2,130 |
| Memoranda: | ||
| Average total assets | $263,774,250 | 2,412 |
| Average earning assets | $240,674,250 | 2,433 |
| Average equity | $28,198,000 | 2,460 |
| Average total loans | $121,393,000 | 3,057 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,353 |
| Cost of funding earning assets | 0.2830% | 4,575 |
| Net interest margin | 3.4377% | 3,761 |
| Noninterest income to average assets | 0.9617% | 1,273 |
| Noninterest expense to average assets | 3.4282% | 1,423 |
| Loan and lease loss provision to assets | 0.1893% | 1,055 |
| Net operating income to assets | 0.4809% | 4,847 |
| Return on assets (ROA) | 0.5695% | 4,579 |
| Pretax return on assets | 0.5695% | 5,049 |
| Return on Equity (ROE) | 5.3586% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.9073% | 4,188 |
| Net charge-offs to loans | 0.1289% | 1,728 |
| Credit loss provision to net charge-offs | 320.5128% | 889 |
| Earnings coverage of net charge-offs (x) | 11.3462% | 2,300 |
| Efficiency ratio | 81.1160% | 1,605 |
| Assets per employee ($millions) | 2.8680% | 5,742 |
| Cash dividends to net income (ytd only)* | 45.7447% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 2,376 |
| Loan loss allowance to noncurrent loans | 119.9605% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8683% | 2,810 |
| Noncurrent loans to loans | 1.2345% | 2,187 |
| Net loans and leases to total assets | 45.9116% | 5,252 |
| Net loans and leases to deposits | 52.6290% | 5,339 |
| Net loans and leases to core deposits | 53.8062% | 5,432 |
| Total domestic deposits to total assets | 87.2364% | 2,044 |
| Equity capital to assets | 10.6659% | 3,255 |
| Core capital (leverage) ratio | 10.3684% | 3,121 |
| Tier 1 risk-based capital ratio | 18.0950% | 2,040 |
| Total risk-based capital ratio | 19.3064% | 2,004 |
| Memoranda: | ||
| Average total assets | $264,104,670 | 2,422 |
| Average earning assets | $240,977,000 | 2,453 |
| Average equity | $28,067,000 | 2,478 |
| Average total loans | $121,020,330 | 3,072 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6174% | 4,635 |
| Cost of funding earning assets | 0.2944% | 4,505 |
| Net interest margin | 3.3230% | 4,118 |
| Noninterest income to average assets | 0.8750% | 1,477 |
| Noninterest expense to average assets | 3.4364% | 1,428 |
| Loan and lease loss provision to assets | 0.0076% | 3,610 |
| Net operating income to assets | 0.4557% | 4,846 |
| Return on assets (ROA) | 0.6040% | 4,368 |
| Pretax return on assets | 0.6040% | 4,907 |
| Return on Equity (ROE) | 5.6941% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.3812% | 3,391 |
| Net charge-offs to loans | 0.2732% | 875 |
| Credit loss provision to net charge-offs | 6.0976% | 2,457 |
| Earnings coverage of net charge-offs (x) | 3.7317% | 2,574 |
| Efficiency ratio | 85.4814% | 1,227 |
| Assets per employee ($millions) | 2.8399% | 5,840 |
| Cash dividends to net income (ytd only)* | 23.0576% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 3,374 |
| Loan loss allowance to noncurrent loans | 110.7746% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 3,027 |
| Noncurrent loans to loans | 1.1784% | 2,420 |
| Net loans and leases to total assets | 44.5515% | 5,309 |
| Net loans and leases to deposits | 50.8881% | 5,396 |
| Net loans and leases to core deposits | 52.0188% | 5,488 |
| Total domestic deposits to total assets | 87.5481% | 2,075 |
| Equity capital to assets | 10.6309% | 3,389 |
| Core capital (leverage) ratio | 10.3721% | 3,133 |
| Tier 1 risk-based capital ratio | 17.0838% | 2,448 |
| Total risk-based capital ratio | 18.0780% | 2,500 |
| Memoranda: | ||
| Average total assets | $264,227,500 | 2,431 |
| Average earning assets | $240,506,000 | 2,463 |
| Average equity | $28,029,000 | 2,502 |
| Average total loans | $120,049,000 | 3,097 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,611 |
| Cost of funding earning assets | 0.3719% | 4,014 |
| Net interest margin | 3.3910% | 4,234 |
| Noninterest income to average assets | 1.1127% | 988 |
| Noninterest expense to average assets | 3.5956% | 1,318 |
| Loan and lease loss provision to assets | 0.0322% | 3,953 |
| Net operating income to assets | 0.5734% | 4,492 |
| Return on assets (ROA) | 0.6436% | 4,274 |
| Pretax return on assets | 0.6436% | 4,802 |
| Return on Equity (ROE) | 6.0417% | 4,122 |
| Retained earnings to average equity (ytd only) | 1.4349% | 5,122 |
| Net charge-offs to loans | 0.1741% | 2,282 |
| Credit loss provision to net charge-offs | 41.2935% | 3,656 |
| Earnings coverage of net charge-offs (x) | 7.7662% | 2,981 |
| Efficiency ratio | 83.0178% | 1,518 |
| Assets per employee ($millions) | 2.7527% | 5,979 |
| Cash dividends to net income (ytd only)* | 76.2508% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 3,051 |
| Loan loss allowance to noncurrent loans | 91.2611% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 2,603 |
| Noncurrent loans to loans | 1.5118% | 1,941 |
| Net loans and leases to total assets | 45.1023% | 5,396 |
| Net loans and leases to deposits | 51.6042% | 5,505 |
| Net loans and leases to core deposits | 52.9027% | 5,572 |
| Total domestic deposits to total assets | 87.4004% | 2,081 |
| Equity capital to assets | 10.5844% | 3,382 |
| Core capital (leverage) ratio | 10.4024% | 3,059 |
| Tier 1 risk-based capital ratio | 14.7352% | 3,639 |
| Total risk-based capital ratio | 15.6473% | 3,773 |
| Memoranda: | ||
| Average total assets | $257,756,400 | 2,457 |
| Average earning assets | $234,765,600 | 2,469 |
| Average equity | $27,459,000 | 2,450 |
| Average total loans | $115,460,600 | 3,117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 4,722 |
| Cost of funding earning assets | 0.3886% | 3,915 |
| Net interest margin | 3.3584% | 4,395 |
| Noninterest income to average assets | 1.0274% | 1,167 |
| Noninterest expense to average assets | 3.4441% | 1,577 |
| Loan and lease loss provision to assets | 0.0431% | 3,535 |
| Net operating income to assets | 0.6043% | 4,423 |
| Return on assets (ROA) | 0.6406% | 4,352 |
| Pretax return on assets | 0.6406% | 4,903 |
| Return on Equity (ROE) | 6.0038% | 4,232 |
| Retained earnings to average equity (ytd only) | 1.8878% | 5,109 |
| Net charge-offs to loans | 0.1433% | 2,364 |
| Credit loss provision to net charge-offs | 67.4797% | 2,811 |
| Earnings coverage of net charge-offs (x) | 10.1380% | 2,579 |
| Efficiency ratio | 81.5506% | 1,670 |
| Assets per employee ($millions) | 2.7187% | 6,065 |
| Cash dividends to net income (ytd only)* | 68.5575% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 2,851 |
| Loan loss allowance to noncurrent loans | 87.5380% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 2,711 |
| Noncurrent loans to loans | 1.6800% | 1,941 |
| Net loans and leases to total assets | 44.8245% | 5,469 |
| Net loans and leases to deposits | 51.6600% | 5,553 |
| Net loans and leases to core deposits | 52.9798% | 5,630 |
| Total domestic deposits to total assets | 86.7684% | 2,439 |
| Equity capital to assets | 10.6917% | 3,315 |
| Core capital (leverage) ratio | 10.3876% | 3,173 |
| Tier 1 risk-based capital ratio | 14.8532% | 3,680 |
| Total risk-based capital ratio | 15.8189% | 3,786 |
| Memoranda: | ||
| Average total assets | $256,818,500 | 2,480 |
| Average earning assets | $234,313,250 | 2,494 |
| Average equity | $27,404,000 | 2,457 |
| Average total loans | $114,426,750 | 3,157 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 4,837 |
| Cost of funding earning assets | 0.3928% | 3,947 |
| Net interest margin | 3.3151% | 4,527 |
| Noninterest income to average assets | 1.0213% | 1,142 |
| Noninterest expense to average assets | 3.4299% | 1,616 |
| Loan and lease loss provision to assets | 0.0648% | 2,973 |
| Net operating income to assets | 0.5555% | 4,568 |
| Return on assets (ROA) | 0.6000% | 4,448 |
| Pretax return on assets | 0.6000% | 4,956 |
| Return on Equity (ROE) | 5.6267% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.6317% | 5,088 |
| Net charge-offs to loans | 0.1217% | 2,456 |
| Credit loss provision to net charge-offs | 120.2899% | 1,716 |
| Earnings coverage of net charge-offs (x) | 11.5217% | 2,154 |
| Efficiency ratio | 82.0458% | 1,736 |
| Assets per employee ($millions) | 2.7805% | 6,050 |
| Cash dividends to net income (ytd only)* | 71.0013% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 2,545 |
| Loan loss allowance to noncurrent loans | 57.7821% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.5457% | 2,106 |
| Noncurrent loans to loans | 2.7328% | 1,107 |
| Net loans and leases to total assets | 42.9516% | 5,610 |
| Net loans and leases to deposits | 49.2185% | 5,694 |
| Net loans and leases to core deposits | 50.3883% | 5,772 |
| Total domestic deposits to total assets | 87.2672% | 2,314 |
| Equity capital to assets | 10.6980% | 3,200 |
| Core capital (leverage) ratio | 10.3796% | 3,104 |
| Tier 1 risk-based capital ratio | 15.0989% | 3,579 |
| Total risk-based capital ratio | 16.1203% | 3,650 |
| Memoranda: | ||
| Average total assets | $256,332,670 | 2,492 |
| Average earning assets | $234,200,670 | 2,499 |
| Average equity | $27,334,000 | 2,453 |
| Average total loans | $113,402,670 | 3,184 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 5,018 |
| Cost of funding earning assets | 0.4184% | 3,777 |
| Net interest margin | 3.2288% | 4,821 |
| Noninterest income to average assets | 1.0063% | 1,116 |
| Noninterest expense to average assets | 3.3072% | 1,933 |
| Loan and lease loss provision to assets | 0.1129% | 2,071 |
| Net operating income to assets | 0.5376% | 4,513 |
| Return on assets (ROA) | 0.5627% | 4,476 |
| Pretax return on assets | 0.5627% | 4,973 |
| Return on Equity (ROE) | 5.2854% | 4,402 |
| Retained earnings to average equity (ytd only) | 1.5017% | 5,008 |
| Net charge-offs to loans | 0.0528% | 2,644 |
| Credit loss provision to net charge-offs | 480.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 1,102 |
| Efficiency ratio | 80.8713% | 2,069 |
| Assets per employee ($millions) | 2.8026% | 6,096 |
| Cash dividends to net income (ytd only)* | 71.5877% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 2,636 |
| Loan loss allowance to noncurrent loans | 64.1702% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 2,383 |
| Noncurrent loans to loans | 2.5148% | 1,373 |
| Net loans and leases to total assets | 43.1518% | 5,581 |
| Net loans and leases to deposits | 49.4790% | 5,632 |
| Net loans and leases to core deposits | 50.5431% | 5,724 |
| Total domestic deposits to total assets | 87.2124% | 2,693 |
| Equity capital to assets | 10.5770% | 3,167 |
| Core capital (leverage) ratio | 10.4173% | 3,024 |
| Tier 1 risk-based capital ratio | 15.0833% | 3,667 |
| Total risk-based capital ratio | 16.1358% | 3,727 |
| Memoranda: | ||
| Average total assets | $255,203,500 | 2,501 |
| Average earning assets | $233,274,000 | 2,511 |
| Average equity | $27,169,000 | 2,459 |
| Average total loans | $113,678,500 | 3,188 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 4,752 |
| Cost of funding earning assets | 0.4831% | 3,788 |
| Net interest margin | 3.3339% | 4,535 |
| Noninterest income to average assets | 1.0922% | 1,178 |
| Noninterest expense to average assets | 3.4084% | 1,861 |
| Loan and lease loss provision to assets | 0.0804% | 3,502 |
| Net operating income to assets | 0.6356% | 4,093 |
| Return on assets (ROA) | 0.6484% | 4,146 |
| Pretax return on assets | 0.6484% | 4,706 |
| Return on Equity (ROE) | 5.9585% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.4319% | 4,517 |
| Net charge-offs to loans | 0.2540% | 2,451 |
| Credit loss provision to net charge-offs | 69.7917% | 3,312 |
| Earnings coverage of net charge-offs (x) | 6.2188% | 3,104 |
| Efficiency ratio | 79.9457% | 2,154 |
| Assets per employee ($millions) | 2.8378% | 6,058 |
| Cash dividends to net income (ytd only)* | 59.1862% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 2,971 |
| Loan loss allowance to noncurrent loans | 72.9373% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 2,596 |
| Noncurrent loans to loans | 2.1213% | 1,856 |
| Net loans and leases to total assets | 44.5432% | 5,623 |
| Net loans and leases to deposits | 51.2975% | 5,675 |
| Net loans and leases to core deposits | 52.1038% | 5,793 |
| Total domestic deposits to total assets | 86.8330% | 2,812 |
| Equity capital to assets | 10.7165% | 2,917 |
| Core capital (leverage) ratio | 10.5244% | 2,892 |
| Tier 1 risk-based capital ratio | 14.7733% | 3,802 |
| Total risk-based capital ratio | 15.7785% | 3,870 |
| Memoranda: | ||
| Average total assets | $250,145,800 | 2,529 |
| Average earning assets | $227,509,400 | 2,539 |
| Average equity | $27,221,400 | 2,439 |
| Average total loans | $113,403,800 | 3,181 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 4,665 |
| Cost of funding earning assets | 0.5003% | 3,761 |
| Net interest margin | 3.3497% | 4,467 |
| Noninterest income to average assets | 0.9633% | 1,569 |
| Noninterest expense to average assets | 3.2154% | 2,319 |
| Loan and lease loss provision to assets | 0.0732% | 3,594 |
| Net operating income to assets | 0.7192% | 3,759 |
| Return on assets (ROA) | 0.7368% | 3,797 |
| Pretax return on assets | 0.7368% | 4,550 |
| Return on Equity (ROE) | 6.7447% | 3,796 |
| Retained earnings to average equity (ytd only) | 3.4286% | 4,244 |
| Net charge-offs to loans | 0.2474% | 2,327 |
| Credit loss provision to net charge-offs | 65.2381% | 3,176 |
| Earnings coverage of net charge-offs (x) | 7.0620% | 2,853 |
| Efficiency ratio | 77.5763% | 2,473 |
| Assets per employee ($millions) | 2.8400% | 6,092 |
| Cash dividends to net income (ytd only)* | 49.1662% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 3,161 |
| Loan loss allowance to noncurrent loans | 53.7394% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 1.7846% | 2,294 |
| Noncurrent loans to loans | 2.9142% | 1,402 |
| Net loans and leases to total assets | 44.8166% | 5,645 |
| Net loans and leases to deposits | 51.8294% | 5,720 |
| Net loans and leases to core deposits | 52.8031% | 5,845 |
| Total domestic deposits to total assets | 86.4693% | 2,979 |
| Equity capital to assets | 10.9046% | 2,856 |
| Core capital (leverage) ratio | 10.5386% | 2,965 |
| Tier 1 risk-based capital ratio | 14.8045% | 3,872 |
| Total risk-based capital ratio | 15.8210% | 3,986 |
| Memoranda: | ||
| Average total assets | $249,541,250 | 2,550 |
| Average earning assets | $226,803,750 | 2,556 |
| Average equity | $27,260,250 | 2,458 |
| Average total loans | $113,187,750 | 3,205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8182% | 4,766 |
| Cost of funding earning assets | 0.5129% | 3,781 |
| Net interest margin | 3.3053% | 4,559 |
| Noninterest income to average assets | 0.9198% | 1,746 |
| Noninterest expense to average assets | 3.1025% | 2,653 |
| Loan and lease loss provision to assets | 0.0160% | 4,572 |
| Net operating income to assets | 0.8035% | 3,279 |
| Return on assets (ROA) | 0.8035% | 3,430 |
| Pretax return on assets | 0.8035% | 4,306 |
| Return on Equity (ROE) | 7.3507% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.4603% | 3,427 |
| Net charge-offs to loans | -0.0690% | 6,378 |
| Credit loss provision to net charge-offs | -51.2821% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4670% | 2,712 |
| Assets per employee ($millions) | 2.8405% | 6,106 |
| Cash dividends to net income (ytd only)* | 39.3214% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 2,796 |
| Loan loss allowance to noncurrent loans | 69.1470% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.5330% | 2,805 |
| Noncurrent loans to loans | 2.4508% | 1,912 |
| Net loans and leases to total assets | 44.2093% | 5,721 |
| Net loans and leases to deposits | 51.1403% | 5,761 |
| Net loans and leases to core deposits | 52.0976% | 5,881 |
| Total domestic deposits to total assets | 86.4471% | 3,144 |
| Equity capital to assets | 10.7978% | 2,946 |
| Core capital (leverage) ratio | 10.4193% | 2,966 |
| Tier 1 risk-based capital ratio | 14.6286% | 4,012 |
| Total risk-based capital ratio | 15.7092% | 4,089 |
| Memoranda: | ||
| Average total assets | $249,414,670 | 2,557 |
| Average earning assets | $226,548,330 | 2,571 |
| Average equity | $27,262,670 | 2,467 |
| Average total loans | $112,987,670 | 3,212 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,865 |
| Cost of funding earning assets | 0.5229% | 3,858 |
| Net interest margin | 3.2648% | 4,657 |
| Noninterest income to average assets | 1.0147% | 1,435 |
| Noninterest expense to average assets | 3.2030% | 2,343 |
| Loan and lease loss provision to assets | 0.0177% | 4,243 |
| Net operating income to assets | 0.7610% | 3,375 |
| Return on assets (ROA) | 0.7610% | 3,516 |
| Pretax return on assets | 0.7610% | 4,323 |
| Return on Equity (ROE) | 6.9201% | 3,531 |
| Retained earnings to average equity (ytd only) | 5.2996% | 3,053 |
| Net charge-offs to loans | -0.2119% | 6,694 |
| Credit loss provision to net charge-offs | -18.3333% | 4,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7016% | 2,659 |
| Assets per employee ($millions) | 2.9031% | 6,143 |
| Cash dividends to net income (ytd only)* | 23.4177% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6992% | 3,012 |
| Loan loss allowance to noncurrent loans | 90.0421% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 3,270 |
| Noncurrent loans to loans | 1.8871% | 2,751 |
| Net loans and leases to total assets | 44.1143% | 5,653 |
| Net loans and leases to deposits | 51.1479% | 5,695 |
| Net loans and leases to core deposits | 52.1666% | 5,810 |
| Total domestic deposits to total assets | 86.2486% | 3,388 |
| Equity capital to assets | 10.9157% | 3,056 |
| Core capital (leverage) ratio | 10.3783% | 2,933 |
| Tier 1 risk-based capital ratio | 14.4465% | 4,214 |
| Total risk-based capital ratio | 15.5387% | 4,266 |
| Memoranda: | ||
| Average total assets | $249,138,000 | 2,589 |
| Average earning assets | $226,414,000 | 2,600 |
| Average equity | $27,398,500 | 2,491 |
| Average total loans | $113,274,500 | 3,227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 4,463 |
| Cost of funding earning assets | 0.6610% | 3,827 |
| Net interest margin | 3.5720% | 4,221 |
| Noninterest income to average assets | 1.1262% | 1,228 |
| Noninterest expense to average assets | 3.3432% | 2,207 |
| Loan and lease loss provision to assets | 0.2348% | 2,789 |
| Net operating income to assets | 0.7497% | 3,515 |
| Return on assets (ROA) | 0.8876% | 3,117 |
| Pretax return on assets | 0.8876% | 3,964 |
| Return on Equity (ROE) | 8.0280% | 3,064 |
| Retained earnings to average equity (ytd only) | 3.5499% | 3,717 |
| Net charge-offs to loans | 0.3631% | 2,815 |
| Credit loss provision to net charge-offs | 140.1961% | 1,966 |
| Earnings coverage of net charge-offs (x) | 5.8775% | 2,929 |
| Efficiency ratio | 74.6134% | 2,968 |
| Assets per employee ($millions) | 2.8906% | 6,172 |
| Cash dividends to net income (ytd only)* | 55.7817% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 3,151 |
| Loan loss allowance to noncurrent loans | 100.1079% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2344% | 3,591 |
| Noncurrent loans to loans | 1.6369% | 3,167 |
| Net loans and leases to total assets | 45.3178% | 5,686 |
| Net loans and leases to deposits | 52.8580% | 5,750 |
| Net loans and leases to core deposits | 53.9252% | 5,880 |
| Total domestic deposits to total assets | 85.7349% | 3,495 |
| Equity capital to assets | 11.0812% | 2,859 |
| Core capital (leverage) ratio | 10.0529% | 3,337 |
| Tier 1 risk-based capital ratio | 14.7060% | 3,890 |
| Total risk-based capital ratio | 15.8266% | 3,933 |
| Memoranda: | ||
| Average total assets | $243,569,400 | 2,595 |
| Average earning assets | $218,307,800 | 2,626 |
| Average equity | $26,930,600 | 2,486 |
| Average total loans | $112,363,000 | 3,245 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 4,454 |
| Cost of funding earning assets | 0.6887% | 3,867 |
| Net interest margin | 3.6120% | 4,184 |
| Noninterest income to average assets | 1.0572% | 1,348 |
| Noninterest expense to average assets | 3.3690% | 2,087 |
| Loan and lease loss provision to assets | 0.2595% | 2,497 |
| Net operating income to assets | 0.6539% | 4,123 |
| Return on assets (ROA) | 0.7960% | 3,712 |
| Pretax return on assets | 0.7960% | 4,495 |
| Return on Equity (ROE) | 7.2035% | 3,694 |
| Retained earnings to average equity (ytd only) | 4.0362% | 4,050 |
| Net charge-offs to loans | 0.2782% | 3,052 |
| Credit loss provision to net charge-offs | 202.1368% | 1,365 |
| Earnings coverage of net charge-offs (x) | 7.1154% | 2,658 |
| Efficiency ratio | 76.0056% | 2,679 |
| Assets per employee ($millions) | 3.0076% | 6,041 |
| Cash dividends to net income (ytd only)* | 43.9699% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 3,062 |
| Loan loss allowance to noncurrent loans | 95.4500% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 3,679 |
| Noncurrent loans to loans | 1.8048% | 3,071 |
| Net loans and leases to total assets | 44.6450% | 5,911 |
| Net loans and leases to deposits | 52.1936% | 5,966 |
| Net loans and leases to core deposits | 53.3078% | 6,094 |
| Total domestic deposits to total assets | 85.5373% | 3,488 |
| Equity capital to assets | 11.0777% | 3,183 |
| Core capital (leverage) ratio | 10.2432% | 3,237 |
| Tier 1 risk-based capital ratio | 14.1877% | 4,388 |
| Total risk-based capital ratio | 15.2904% | 4,449 |
| Memoranda: | ||
| Average total assets | $243,035,500 | 2,622 |
| Average earning assets | $217,010,250 | 2,674 |
| Average equity | $26,856,500 | 2,513 |
| Average total loans | $112,153,000 | 3,278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 4,337 |
| Cost of funding earning assets | 0.7028% | 3,993 |
| Net interest margin | 3.6592% | 3,991 |
| Noninterest income to average assets | 1.0404% | 1,348 |
| Noninterest expense to average assets | 3.3377% | 2,189 |
| Loan and lease loss provision to assets | 0.3209% | 2,059 |
| Net operating income to assets | 0.6583% | 4,070 |
| Return on assets (ROA) | 0.8592% | 3,361 |
| Pretax return on assets | 0.8592% | 4,239 |
| Return on Equity (ROE) | 7.7822% | 3,355 |
| Retained earnings to average equity (ytd only) | 4.9884% | 3,288 |
| Net charge-offs to loans | 0.3512% | 2,611 |
| Credit loss provision to net charge-offs | 196.9543% | 1,444 |
| Earnings coverage of net charge-offs (x) | 6.0102% | 2,715 |
| Efficiency ratio | 74.6743% | 2,955 |
| Assets per employee ($millions) | 3.0129% | 6,040 |
| Cash dividends to net income (ytd only)* | 35.8999% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 3,363 |
| Loan loss allowance to noncurrent loans | 127.9402% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 4,143 |
| Noncurrent loans to loans | 1.3034% | 3,968 |
| Net loans and leases to total assets | 44.9204% | 5,933 |
| Net loans and leases to deposits | 52.4945% | 5,992 |
| Net loans and leases to core deposits | 53.6102% | 6,122 |
| Total domestic deposits to total assets | 85.5716% | 3,579 |
| Equity capital to assets | 10.9364% | 3,183 |
| Core capital (leverage) ratio | 10.1362% | 3,217 |
| Tier 1 risk-based capital ratio | 13.7272% | 4,642 |
| Total risk-based capital ratio | 14.7768% | 4,763 |
| Memoranda: | ||
| Average total assets | $241,840,330 | 2,640 |
| Average earning assets | $216,549,670 | 2,684 |
| Average equity | $26,702,000 | 2,505 |
| Average total loans | $112,192,670 | 3,287 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 4,009 |
| Cost of funding earning assets | 0.7294% | 4,033 |
| Net interest margin | 3.7488% | 3,602 |
| Noninterest income to average assets | 1.0450% | 1,325 |
| Noninterest expense to average assets | 3.2805% | 2,350 |
| Loan and lease loss provision to assets | 0.3979% | 1,589 |
| Net operating income to assets | 0.7524% | 3,613 |
| Return on assets (ROA) | 0.7524% | 3,847 |
| Pretax return on assets | 0.7524% | 4,598 |
| Return on Equity (ROE) | 6.7813% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.0634% | 3,518 |
| Net charge-offs to loans | 0.5364% | 1,746 |
| Credit loss provision to net charge-offs | 158.6667% | 1,599 |
| Earnings coverage of net charge-offs (x) | 4.5867% | 2,550 |
| Efficiency ratio | 71.4340% | 3,547 |
| Assets per employee ($millions) | 2.9818% | 6,189 |
| Cash dividends to net income (ytd only)* | 25.3333% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5836% | 3,791 |
| Loan loss allowance to noncurrent loans | 139.6701% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 4,601 |
| Noncurrent loans to loans | 1.1338% | 4,446 |
| Net loans and leases to total assets | 45.1926% | 5,875 |
| Net loans and leases to deposits | 51.6671% | 6,007 |
| Net loans and leases to core deposits | 53.5820% | 6,088 |
| Total domestic deposits to total assets | 87.4688% | 2,675 |
| Equity capital to assets | 10.9468% | 2,968 |
| Core capital (leverage) ratio | 10.2854% | 3,011 |
| Tier 1 risk-based capital ratio | 14.4520% | 4,144 |
| Total risk-based capital ratio | 15.5131% | 4,240 |
| Memoranda: | ||
| Average total assets | $239,233,000 | 2,678 |
| Average earning assets | $216,068,000 | 2,691 |
| Average equity | $26,543,500 | 2,518 |
| Average total loans | $111,859,000 | 3,311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7833% | 3,885 |
| Cost of funding earning assets | 0.9226% | 3,939 |
| Net interest margin | 3.8607% | 3,514 |
| Noninterest income to average assets | 1.1425% | 1,004 |
| Noninterest expense to average assets | 3.4390% | 2,142 |
| Loan and lease loss provision to assets | 0.1870% | 4,317 |
| Net operating income to assets | 0.9394% | 2,453 |
| Return on assets (ROA) | 0.8791% | 2,832 |
| Pretax return on assets | 0.8791% | 3,677 |
| Return on Equity (ROE) | 7.8741% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.2209% | 3,925 |
| Net charge-offs to loans | 0.3476% | 3,658 |
| Credit loss provision to net charge-offs | 113.8298% | 2,880 |
| Earnings coverage of net charge-offs (x) | 6.8564% | 2,435 |
| Efficiency ratio | 72.6672% | 3,455 |
| Assets per employee ($millions) | 2.8884% | 6,303 |
| Cash dividends to net income (ytd only)* | 59.0954% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 3,947 |
| Loan loss allowance to noncurrent loans | 469.7222% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 4,992 |
| Noncurrent loans to loans | 0.3230% | 6,086 |
| Net loans and leases to total assets | 46.9099% | 5,928 |
| Net loans and leases to deposits | 53.9649% | 6,071 |
| Net loans and leases to core deposits | 54.9316% | 6,233 |
| Total domestic deposits to total assets | 86.9267% | 2,806 |
| Equity capital to assets | 11.2504% | 2,741 |
| Core capital (leverage) ratio | 10.4827% | 2,750 |
| Tier 1 risk-based capital ratio | 14.1873% | 4,185 |
| Total risk-based capital ratio | 15.1949% | 4,323 |
| Memoranda: | ||
| Average total assets | $228,876,200 | 2,738 |
| Average earning assets | $202,914,800 | 2,813 |
| Average equity | $25,552,000 | 2,515 |
| Average total loans | $108,158,000 | 3,425 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 3,879 |
| Cost of funding earning assets | 0.9451% | 4,077 |
| Net interest margin | 3.8858% | 3,454 |
| Noninterest income to average assets | 1.0925% | 1,120 |
| Noninterest expense to average assets | 3.5148% | 1,903 |
| Loan and lease loss provision to assets | 0.1699% | 4,349 |
| Net operating income to assets | 0.8471% | 2,952 |
| Return on assets (ROA) | 0.7709% | 3,459 |
| Pretax return on assets | 0.7709% | 4,238 |
| Return on Equity (ROE) | 6.9189% | 3,564 |
| Retained earnings to average equity (ytd only) | 2.2397% | 5,009 |
| Net charge-offs to loans | 0.2770% | 3,697 |
| Credit loss provision to net charge-offs | 130.0448% | 2,443 |
| Earnings coverage of net charge-offs (x) | 7.7847% | 2,297 |
| Efficiency ratio | 74.8837% | 3,024 |
| Assets per employee ($millions) | 2.8436% | 6,413 |
| Cash dividends to net income (ytd only)* | 67.6295% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,891 |
| Loan loss allowance to noncurrent loans | 408.3732% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 4,808 |
| Noncurrent loans to loans | 0.3793% | 6,094 |
| Net loans and leases to total assets | 47.1057% | 6,043 |
| Net loans and leases to deposits | 54.2712% | 6,190 |
| Net loans and leases to core deposits | 55.1877% | 6,377 |
| Total domestic deposits to total assets | 86.7968% | 2,773 |
| Equity capital to assets | 11.3263% | 2,835 |
| Core capital (leverage) ratio | 10.3872% | 3,000 |
| Tier 1 risk-based capital ratio | 15.2297% | 3,531 |
| Total risk-based capital ratio | 16.3434% | 3,578 |
| Memoranda: | ||
| Average total assets | $227,606,000 | 2,758 |
| Average earning assets | $201,446,750 | 2,836 |
| Average equity | $25,359,750 | 2,535 |
| Average total loans | $107,337,500 | 3,479 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 4,127 |
| Cost of funding earning assets | 0.9489% | 4,326 |
| Net interest margin | 3.8432% | 3,568 |
| Noninterest income to average assets | 1.0807% | 1,112 |
| Noninterest expense to average assets | 3.4654% | 2,079 |
| Loan and lease loss provision to assets | 0.1473% | 4,470 |
| Net operating income to assets | 0.8840% | 2,718 |
| Return on assets (ROA) | 0.7525% | 3,402 |
| Pretax return on assets | 0.7525% | 4,204 |
| Return on Equity (ROE) | 6.7922% | 3,532 |
| Retained earnings to average equity (ytd only) | 1.8075% | 5,092 |
| Net charge-offs to loans | 0.2406% | 3,681 |
| Credit loss provision to net charge-offs | 130.4688% | 2,341 |
| Earnings coverage of net charge-offs (x) | 9.1328% | 1,961 |
| Efficiency ratio | 74.3771% | 3,297 |
| Assets per employee ($millions) | 2.8730% | 6,345 |
| Cash dividends to net income (ytd only)* | 73.3880% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,876 |
| Loan loss allowance to noncurrent loans | 507.2508% | 657 |
| Noncurrent assets plus other real estate owned to assets | 1.0660% | 4,753 |
| Noncurrent loans to loans | 0.3068% | 6,308 |
| Net loans and leases to total assets | 46.2176% | 6,244 |
| Net loans and leases to deposits | 53.2902% | 6,363 |
| Net loans and leases to core deposits | 54.1909% | 6,547 |
| Total domestic deposits to total assets | 86.7281% | 2,898 |
| Equity capital to assets | 11.1600% | 2,803 |
| Core capital (leverage) ratio | 10.4004% | 2,831 |
| Tier 1 risk-based capital ratio | 14.0550% | 4,132 |
| Total risk-based capital ratio | 15.0778% | 4,258 |
| Memoranda: | ||
| Average total assets | $226,697,670 | 2,788 |
| Average earning assets | $201,501,000 | 2,854 |
| Average equity | $25,117,000 | 2,547 |
| Average total loans | $106,381,330 | 3,535 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 4,214 |
| Cost of funding earning assets | 0.9772% | 4,376 |
| Net interest margin | 3.7909% | 3,659 |
| Noninterest income to average assets | 1.0270% | 1,247 |
| Noninterest expense to average assets | 3.4665% | 2,093 |
| Loan and lease loss provision to assets | 0.1066% | 4,681 |
| Net operating income to assets | 0.8244% | 2,911 |
| Return on assets (ROA) | 0.7072% | 3,558 |
| Pretax return on assets | 0.7072% | 4,281 |
| Return on Equity (ROE) | 6.4063% | 3,671 |
| Retained earnings to average equity (ytd only) | 1.1267% | 5,372 |
| Net charge-offs to loans | 0.4090% | 2,460 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | 4.8519% | 2,385 |
| Efficiency ratio | 76.0808% | 3,153 |
| Assets per employee ($millions) | 2.8177% | 6,502 |
| Cash dividends to net income (ytd only)* | 82.4121% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 4,120 |
| Loan loss allowance to noncurrent loans | 300.1887% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 4,479 |
| Noncurrent loans to loans | 0.5057% | 6,009 |
| Net loans and leases to total assets | 45.2225% | 6,359 |
| Net loans and leases to deposits | 52.0117% | 6,478 |
| Net loans and leases to core deposits | 52.7574% | 6,641 |
| Total domestic deposits to total assets | 86.9468% | 2,972 |
| Equity capital to assets | 10.8879% | 2,789 |
| Core capital (leverage) ratio | 10.3731% | 2,733 |
| Tier 1 risk-based capital ratio | 14.3023% | 3,870 |
| Total risk-based capital ratio | 15.2983% | 4,023 |
| Memoranda: | ||
| Average total assets | $225,127,000 | 2,818 |
| Average earning assets | $200,161,000 | 2,886 |
| Average equity | $24,850,500 | 2,557 |
| Average total loans | $105,619,500 | 3,586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 3,514 |
| Cost of funding earning assets | 1.2066% | 4,527 |
| Net interest margin | 4.0127% | 2,964 |
| Noninterest income to average assets | 1.0553% | 1,344 |
| Noninterest expense to average assets | 3.2262% | 2,992 |
| Loan and lease loss provision to assets | 0.2418% | 4,868 |
| Net operating income to assets | 1.1106% | 1,675 |
| Return on assets (ROA) | 0.9598% | 2,287 |
| Pretax return on assets | 0.9598% | 3,062 |
| Return on Equity (ROE) | 8.4298% | 2,522 |
| Retained earnings to average equity (ytd only) | 3.2208% | 3,611 |
| Net charge-offs to loans | 0.4984% | 3,633 |
| Credit loss provision to net charge-offs | 97.4453% | 4,759 |
| Earnings coverage of net charge-offs (x) | 5.4507% | 2,620 |
| Efficiency ratio | 67.7148% | 4,620 |
| Assets per employee ($millions) | 2.8834% | 6,364 |
| Cash dividends to net income (ytd only)* | 61.7925% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5399% | 3,821 |
| Loan loss allowance to noncurrent loans | 264.7819% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 4,581 |
| Noncurrent loans to loans | 0.5816% | 5,889 |
| Net loans and leases to total assets | 47.2011% | 6,458 |
| Net loans and leases to deposits | 54.5129% | 6,565 |
| Net loans and leases to core deposits | 55.4803% | 6,724 |
| Total domestic deposits to total assets | 86.5871% | 3,036 |
| Equity capital to assets | 11.1932% | 2,518 |
| Core capital (leverage) ratio | 10.5589% | 2,499 |
| Tier 1 risk-based capital ratio | 14.0199% | 3,860 |
| Total risk-based capital ratio | 15.0317% | 3,982 |
| Memoranda: | ||
| Average total assets | $220,880,600 | 2,856 |
| Average earning assets | $193,932,800 | 2,954 |
| Average equity | $25,149,000 | 2,538 |
| Average total loans | $109,948,800 | 3,549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 3,404 |
| Cost of funding earning assets | 1.2530% | 4,554 |
| Net interest margin | 4.0352% | 2,929 |
| Noninterest income to average assets | 1.0480% | 1,311 |
| Noninterest expense to average assets | 3.3218% | 2,508 |
| Loan and lease loss provision to assets | 0.1384% | 5,644 |
| Net operating income to assets | 1.1206% | 1,825 |
| Return on assets (ROA) | 1.0390% | 2,210 |
| Pretax return on assets | 1.0390% | 3,033 |
| Return on Equity (ROE) | 9.0865% | 2,459 |
| Retained earnings to average equity (ytd only) | 4.7838% | 3,142 |
| Net charge-offs to loans | 0.2767% | 4,284 |
| Credit loss provision to net charge-offs | 99.5652% | 4,384 |
| Earnings coverage of net charge-offs (x) | 9.0565% | 2,068 |
| Efficiency ratio | 69.7717% | 4,118 |
| Assets per employee ($millions) | 2.7940% | 6,598 |
| Cash dividends to net income (ytd only)* | 47.3533% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,836 |
| Loan loss allowance to noncurrent loans | 74.1472% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 4,424 |
| Noncurrent loans to loans | 2.0603% | 3,608 |
| Net loans and leases to total assets | 48.2431% | 6,499 |
| Net loans and leases to deposits | 56.4168% | 6,586 |
| Net loans and leases to core deposits | 57.3092% | 6,778 |
| Total domestic deposits to total assets | 85.5119% | 3,336 |
| Equity capital to assets | 11.7295% | 2,337 |
| Core capital (leverage) ratio | 10.5037% | 2,681 |
| Tier 1 risk-based capital ratio | 14.1315% | 3,738 |
| Total risk-based capital ratio | 15.1583% | 3,875 |
| Memoranda: | ||
| Average total assets | $220,596,250 | 2,911 |
| Average earning assets | $193,129,250 | 2,997 |
| Average equity | $25,223,500 | 2,569 |
| Average total loans | $110,827,500 | 3,588 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3609% | 3,151 |
| Cost of funding earning assets | 1.3106% | 4,476 |
| Net interest margin | 4.0503% | 2,789 |
| Noninterest income to average assets | 1.0329% | 1,276 |
| Noninterest expense to average assets | 3.2854% | 2,606 |
| Loan and lease loss provision to assets | 0.1415% | 5,477 |
| Net operating income to assets | 1.1426% | 1,716 |
| Return on assets (ROA) | 1.0283% | 2,167 |
| Pretax return on assets | 1.0283% | 3,016 |
| Return on Equity (ROE) | 9.0715% | 2,433 |
| Retained earnings to average equity (ytd only) | 4.3438% | 3,309 |
| Net charge-offs to loans | 0.2399% | 4,162 |
| Credit loss provision to net charge-offs | 116.4179% | 3,487 |
| Earnings coverage of net charge-offs (x) | 10.5672% | 1,875 |
| Efficiency ratio | 69.3193% | 4,313 |
| Assets per employee ($millions) | 2.7669% | 6,644 |
| Cash dividends to net income (ytd only)* | 52.1164% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 3,774 |
| Loan loss allowance to noncurrent loans | 136.0682% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 5,161 |
| Noncurrent loans to loans | 1.1243% | 5,077 |
| Net loans and leases to total assets | 48.7093% | 6,573 |
| Net loans and leases to deposits | 56.7688% | 6,670 |
| Net loans and leases to core deposits | 57.7503% | 6,844 |
| Total domestic deposits to total assets | 85.8029% | 3,202 |
| Equity capital to assets | 11.5235% | 2,423 |
| Core capital (leverage) ratio | 10.1009% | 3,064 |
| Tier 1 risk-based capital ratio | 13.7956% | 3,885 |
| Total risk-based capital ratio | 14.8317% | 3,979 |
| Memoranda: | ||
| Average total assets | $220,553,000 | 2,931 |
| Average earning assets | $192,580,670 | 3,034 |
| Average equity | $25,001,330 | 2,588 |
| Average total loans | $111,724,330 | 3,592 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 2,955 |
| Cost of funding earning assets | 1.4195% | 4,053 |
| Net interest margin | 3.9982% | 2,880 |
| Noninterest income to average assets | 0.9902% | 1,334 |
| Noninterest expense to average assets | 3.2650% | 2,656 |
| Loan and lease loss provision to assets | 0.1290% | 5,280 |
| Net operating income to assets | 1.0865% | 1,876 |
| Return on assets (ROA) | 1.0483% | 2,071 |
| Pretax return on assets | 1.0483% | 2,908 |
| Return on Equity (ROE) | 9.3258% | 2,369 |
| Retained earnings to average equity (ytd only) | 7.7904% | 1,796 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0730% | 4,289 |
| Assets per employee ($millions) | 2.7828% | 6,682 |
| Cash dividends to net income (ytd only)* | 16.4645% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 3,646 |
| Loan loss allowance to noncurrent loans | 132.7175% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8535% | 5,449 |
| Noncurrent loans to loans | 1.1702% | 5,021 |
| Net loans and leases to total assets | 49.0870% | 6,564 |
| Net loans and leases to deposits | 57.0823% | 6,690 |
| Net loans and leases to core deposits | 57.8070% | 6,892 |
| Total domestic deposits to total assets | 85.9934% | 3,154 |
| Equity capital to assets | 11.2145% | 2,574 |
| Core capital (leverage) ratio | 10.1485% | 2,984 |
| Tier 1 risk-based capital ratio | 13.7246% | 3,848 |
| Total risk-based capital ratio | 14.7917% | 3,920 |
| Memoranda: | ||
| Average total assets | $220,155,500 | 2,986 |
| Average earning assets | $192,187,000 | 3,092 |
| Average equity | $24,748,500 | 2,635 |
| Average total loans | $112,840,500 | 3,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8175% | 2,588 |
| Cost of funding earning assets | 1.7769% | 4,119 |
| Net interest margin | 4.0406% | 2,692 |
| Noninterest income to average assets | 0.9986% | 1,578 |
| Noninterest expense to average assets | 3.1113% | 3,686 |
| Loan and lease loss provision to assets | 0.2227% | 5,582 |
| Net operating income to assets | 1.2475% | 1,135 |
| Return on assets (ROA) | 1.1645% | 1,380 |
| Pretax return on assets | 1.1645% | 2,056 |
| Return on Equity (ROE) | 10.6307% | 1,514 |
| Retained earnings to average equity (ytd only) | 4.9869% | 1,822 |
| Net charge-offs to loans | 0.4585% | 3,949 |
| Credit loss provision to net charge-offs | 89.5028% | 6,015 |
| Earnings coverage of net charge-offs (x) | 5.9079% | 2,471 |
| Efficiency ratio | 65.1395% | 5,561 |
| Assets per employee ($millions) | 2.7909% | 6,675 |
| Cash dividends to net income (ytd only)* | 53.0893% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 4,025 |
| Loan loss allowance to noncurrent loans | 138.4422% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 5,816 |
| Noncurrent loans to loans | 1.0412% | 5,239 |
| Net loans and leases to total assets | 51.9206% | 6,430 |
| Net loans and leases to deposits | 60.5354% | 6,597 |
| Net loans and leases to core deposits | 68.3096% | 6,863 |
| Total domestic deposits to total assets | 85.7691% | 3,126 |
| Equity capital to assets | 11.2689% | 2,484 |
| Core capital (leverage) ratio | 10.1112% | 2,988 |
| Tier 1 risk-based capital ratio | 13.4198% | 3,872 |
| Total risk-based capital ratio | 14.4457% | 3,963 |
| Memoranda: | ||
| Average total assets | $218,202,600 | 2,969 |
| Average earning assets | $193,485,400 | 3,057 |
| Average equity | $23,902,400 | 2,734 |
| Average total loans | $118,439,200 | 3,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9010% | 2,443 |
| Cost of funding earning assets | 1.8358% | 4,216 |
| Net interest margin | 4.0652% | 2,528 |
| Noninterest income to average assets | 0.9948% | 1,626 |
| Noninterest expense to average assets | 3.3545% | 2,711 |
| Loan and lease loss provision to assets | 0.1795% | 5,566 |
| Net operating income to assets | 1.0754% | 1,810 |
| Return on assets (ROA) | 1.1572% | 1,628 |
| Pretax return on assets | 1.1572% | 2,389 |
| Return on Equity (ROE) | 10.6404% | 1,722 |
| Retained earnings to average equity (ytd only) | 6.6762% | 1,642 |
| Net charge-offs to loans | 0.1832% | 4,924 |
| Credit loss provision to net charge-offs | 179.2683% | 2,563 |
| Earnings coverage of net charge-offs (x) | 12.5305% | 1,751 |
| Efficiency ratio | 69.7536% | 4,639 |
| Assets per employee ($millions) | 2.7370% | 6,765 |
| Cash dividends to net income (ytd only)* | 37.2560% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 3,183 |
| Loan loss allowance to noncurrent loans | 112.8834% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 5,597 |
| Noncurrent loans to loans | 1.3759% | 4,615 |
| Net loans and leases to total assets | 54.6291% | 6,311 |
| Net loans and leases to deposits | 64.2157% | 6,473 |
| Net loans and leases to core deposits | 72.4709% | 6,817 |
| Total domestic deposits to total assets | 85.0712% | 3,195 |
| Equity capital to assets | 11.5187% | 2,566 |
| Core capital (leverage) ratio | 10.2805% | 2,991 |
| Tier 1 risk-based capital ratio | 13.3765% | 3,947 |
| Total risk-based capital ratio | 14.5175% | 3,956 |
| Memoranda: | ||
| Average total assets | $218,331,250 | 2,985 |
| Average earning assets | $194,131,250 | 3,069 |
| Average equity | $23,745,250 | 2,783 |
| Average total loans | $119,379,500 | 3,525 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 2,108 |
| Cost of funding earning assets | 1.9192% | 4,167 |
| Net interest margin | 4.0996% | 2,323 |
| Noninterest income to average assets | 0.9239% | 1,874 |
| Noninterest expense to average assets | 3.2717% | 3,076 |
| Loan and lease loss provision to assets | 0.2137% | 4,911 |
| Net operating income to assets | 1.0921% | 1,803 |
| Return on assets (ROA) | 1.1939% | 1,577 |
| Pretax return on assets | 1.1939% | 2,319 |
| Return on Equity (ROE) | 11.1919% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.7707% | 2,133 |
| Net charge-offs to loans | 0.0986% | 5,181 |
| Credit loss provision to net charge-offs | 398.3051% | 1,172 |
| Earnings coverage of net charge-offs (x) | 24.3390% | 1,157 |
| Efficiency ratio | 68.4744% | 5,075 |
| Assets per employee ($millions) | 2.7595% | 6,721 |
| Cash dividends to net income (ytd only)* | 48.4387% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 2,840 |
| Loan loss allowance to noncurrent loans | 799.1525% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 7,184 |
| Noncurrent loans to loans | 0.1972% | 7,022 |
| Net loans and leases to total assets | 54.0454% | 6,445 |
| Net loans and leases to deposits | 62.8406% | 6,666 |
| Net loans and leases to core deposits | 70.3433% | 7,001 |
| Total domestic deposits to total assets | 86.0040% | 2,790 |
| Equity capital to assets | 10.8143% | 3,097 |
| Core capital (leverage) ratio | 9.8189% | 3,493 |
| Tier 1 risk-based capital ratio | 13.2601% | 3,968 |
| Total risk-based capital ratio | 14.4521% | 3,919 |
| Memoranda: | ||
| Average total assets | $219,946,000 | 2,977 |
| Average earning assets | $196,019,670 | 3,060 |
| Average equity | $23,463,330 | 2,816 |
| Average total loans | $119,684,000 | 3,542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1159% | 1,889 |
| Cost of funding earning assets | 1.9894% | 4,187 |
| Net interest margin | 4.1265% | 2,185 |
| Noninterest income to average assets | 1.0158% | 1,440 |
| Noninterest expense to average assets | 3.3080% | 2,635 |
| Loan and lease loss provision to assets | 0.3802% | 3,043 |
| Net operating income to assets | 1.0230% | 2,220 |
| Return on assets (ROA) | 1.2258% | 1,682 |
| Pretax return on assets | 1.2258% | 2,528 |
| Return on Equity (ROE) | 11.5689% | 1,791 |
| Retained earnings to average equity (ytd only) | 10.1677% | 1,150 |
| Net charge-offs to loans | 0.2005% | 3,434 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 12.9167% | 1,766 |
| Efficiency ratio | 67.3328% | 5,074 |
| Assets per employee ($millions) | 2.8309% | 6,576 |
| Cash dividends to net income (ytd only)* | 12.1123% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 2,687 |
| Loan loss allowance to noncurrent loans | 526.9122% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 7,032 |
| Noncurrent loans to loans | 0.2959% | 6,704 |
| Net loans and leases to total assets | 53.1782% | 6,562 |
| Net loans and leases to deposits | 61.9579% | 6,741 |
| Net loans and leases to core deposits | 68.8116% | 7,092 |
| Total domestic deposits to total assets | 85.8297% | 2,809 |
| Equity capital to assets | 10.6909% | 3,297 |
| Core capital (leverage) ratio | 9.3049% | 4,238 |
| Tier 1 risk-based capital ratio | 13.7152% | 3,733 |
| Total risk-based capital ratio | 14.9403% | 3,670 |
| Memoranda: | ||
| Average total assets | $220,920,000 | 2,978 |
| Average earning assets | $197,844,500 | 3,046 |
| Average equity | $23,407,500 | 2,829 |
| Average total loans | $119,674,000 | 3,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6070% | 2,452 |
| Cost of funding earning assets | 2.5632% | 3,885 |
| Net interest margin | 4.0438% | 2,933 |
| Noninterest income to average assets | 1.1196% | 1,246 |
| Noninterest expense to average assets | 3.3352% | 2,856 |
| Loan and lease loss provision to assets | 0.3180% | 3,831 |
| Net operating income to assets | 1.0786% | 2,229 |
| Return on assets (ROA) | 1.0730% | 2,163 |
| Pretax return on assets | 1.0730% | 3,125 |
| Return on Equity (ROE) | 10.5223% | 2,081 |
| Retained earnings to average equity (ytd only) | 6.0878% | 1,492 |
| Net charge-offs to loans | 0.2061% | 4,146 |
| Credit loss provision to net charge-offs | 294.3548% | 1,538 |
| Earnings coverage of net charge-offs (x) | 12.9274% | 2,190 |
| Efficiency ratio | 67.9157% | 4,737 |
| Assets per employee ($millions) | 2.8337% | 6,482 |
| Cash dividends to net income (ytd only)* | 42.1437% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,058 |
| Loan loss allowance to noncurrent loans | 881.4433% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 7,143 |
| Noncurrent loans to loans | 0.1616% | 6,922 |
| Net loans and leases to total assets | 53.5471% | 6,700 |
| Net loans and leases to deposits | 62.4343% | 6,913 |
| Net loans and leases to core deposits | 69.5719% | 7,214 |
| Total domestic deposits to total assets | 85.7655% | 2,511 |
| Equity capital to assets | 10.5001% | 3,505 |
| Core capital (leverage) ratio | 9.1549% | 4,519 |
| Tier 1 risk-based capital ratio | 13.1495% | 4,028 |
| Total risk-based capital ratio | 14.2652% | 4,017 |
| Memoranda: | ||
| Average total assets | $229,551,800 | 2,769 |
| Average earning assets | $205,054,600 | 2,840 |
| Average equity | $23,407,400 | 2,801 |
| Average total loans | $120,337,600 | 3,453 |