Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,723 |
| Cost of funding earning assets | 0.7621% | 3,831 |
| Net interest margin | 3.3869% | 2,432 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.3100% | 2,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2858% | 1,458 |
| Return on assets (ROA) | 1.2858% | 1,431 |
| Pretax return on assets | 1.2858% | 1,907 |
| Return on Equity (ROE) | 60.0100% | 40 |
| Retained earnings to average equity (ytd only) | 13.9609% | 404 |
| Net charge-offs to loans | 0.0203% | 1,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 143.4146% | 731 |
| Efficiency ratio | 64.2423% | 2,577 |
| Assets per employee ($millions) | 5.1912% | 3,482 |
| Cash dividends to net income (ytd only)* | 76.7347% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 802 |
| Loan loss allowance to noncurrent loans | 158.9990% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 1,273 |
| Noncurrent loans to loans | 1.0200% | 725 |
| Net loans and leases to total assets | 41.9700% | 3,967 |
| Net loans and leases to deposits | 45.8145% | 4,054 |
| Net loans and leases to core deposits | 49.0615% | 4,101 |
| Total domestic deposits to total assets | 91.6000% | 374 |
| Equity capital to assets | 2.9425% | 4,544 |
| Core capital (leverage) ratio | 10.4941% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $457,309,400 | 1,832 |
| Average earning assets | $432,367,800 | 1,802 |
| Average equity | $9,798,800 | 3,741 |
| Average total loans | $201,600,000 | 2,275 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 3,704 |
| Cost of funding earning assets | 0.7102% | 3,743 |
| Net interest margin | 3.3620% | 2,540 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.3117% | 2,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2607% | 1,631 |
| Return on assets (ROA) | 1.2607% | 1,624 |
| Pretax return on assets | 1.2607% | 2,145 |
| Return on Equity (ROE) | 65.2700% | 44 |
| Retained earnings to average equity (ytd only) | 14.5308% | 611 |
| Net charge-offs to loans | 0.0279% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 101.8095% | 910 |
| Efficiency ratio | 64.7107% | 2,420 |
| Assets per employee ($millions) | 5.1116% | 3,510 |
| Cash dividends to net income (ytd only)* | 77.7362% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 840 |
| Loan loss allowance to noncurrent loans | 188.0478% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 1,476 |
| Noncurrent loans to loans | 0.8656% | 958 |
| Net loans and leases to total assets | 44.3900% | 3,900 |
| Net loans and leases to deposits | 47.6605% | 4,017 |
| Net loans and leases to core deposits | 50.6305% | 4,028 |
| Total domestic deposits to total assets | 93.1300% | 280 |
| Equity capital to assets | 1.0224% | 4,574 |
| Core capital (leverage) ratio | 10.4715% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $452,239,000 | 1,842 |
| Average earning assets | $427,269,250 | 1,817 |
| Average equity | $8,735,250 | 3,856 |
| Average total loans | $201,068,500 | 2,279 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,615 |
| Cost of funding earning assets | 0.6556% | 3,614 |
| Net interest margin | 3.3802% | 2,572 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.3340% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2401% | 1,716 |
| Return on assets (ROA) | 1.2401% | 1,714 |
| Pretax return on assets | 1.2401% | 2,253 |
| Return on Equity (ROE) | 55.5500% | 55 |
| Retained earnings to average equity (ytd only) | 13.5258% | 740 |
| Net charge-offs to loans | -0.0030% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.3039% | 2,335 |
| Assets per employee ($millions) | 4.8174% | 3,740 |
| Cash dividends to net income (ytd only)* | 75.6497% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 849 |
| Loan loss allowance to noncurrent loans | 191.1530% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 1,369 |
| Noncurrent loans to loans | 0.8604% | 881 |
| Net loans and leases to total assets | 44.2300% | 3,868 |
| Net loans and leases to deposits | 48.0793% | 3,988 |
| Net loans and leases to core deposits | 50.4329% | 4,004 |
| Total domestic deposits to total assets | 91.9900% | 412 |
| Equity capital to assets | 2.3571% | 4,593 |
| Core capital (leverage) ratio | 10.3409% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $453,044,667 | 1,846 |
| Average earning assets | $427,374,667 | 1,819 |
| Average equity | $10,114,000 | 3,732 |
| Average total loans | $200,434,333 | 2,284 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 3,794 |
| Cost of funding earning assets | 0.5460% | 3,548 |
| Net interest margin | 3.2871% | 2,908 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.3463% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1758% | 2,006 |
| Return on assets (ROA) | 1.1758% | 1,965 |
| Pretax return on assets | 1.1758% | 2,492 |
| Return on Equity (ROE) | 54.1800% | 64 |
| Retained earnings to average equity (ytd only) | 10.6569% | 1,546 |
| Net charge-offs to loans | -0.0040% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.6165% | 2,137 |
| Assets per employee ($millions) | 4.6242% | 3,946 |
| Cash dividends to net income (ytd only)* | 80.3303% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 910 |
| Loan loss allowance to noncurrent loans | 196.8254% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 1,373 |
| Noncurrent loans to loans | 0.8389% | 912 |
| Net loans and leases to total assets | 44.0100% | 3,868 |
| Net loans and leases to deposits | 47.5778% | 3,977 |
| Net loans and leases to core deposits | 49.9423% | 3,993 |
| Total domestic deposits to total assets | 92.4900% | 400 |
| Equity capital to assets | 2.3276% | 4,626 |
| Core capital (leverage) ratio | 10.3843% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $453,148,500 | 1,870 |
| Average earning assets | $427,130,000 | 1,839 |
| Average equity | $9,834,000 | 3,805 |
| Average total loans | $198,839,500 | 2,313 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4158% | 3,306 |
| Cost of funding earning assets | 0.1971% | 3,783 |
| Net interest margin | 3.2187% | 2,813 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2271% | 2,955 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2309% | 1,657 |
| Return on assets (ROA) | 1.2367% | 1,593 |
| Pretax return on assets | 1.2367% | 2,321 |
| Return on Equity (ROE) | 28.3000% | 138 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,428 |
| Net charge-offs to loans | 0.0559% | 1,098 |
| Credit loss provision to net charge-offs | 128.8660% | 1,414 |
| Earnings coverage of net charge-offs (x) | 58.6392% | 1,271 |
| Efficiency ratio | 63.8926% | 2,511 |
| Assets per employee ($millions) | 4.5312% | 4,014 |
| Cash dividends to net income (ytd only)* | 86.1872% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 786 |
| Loan loss allowance to noncurrent loans | 197.8711% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 1,370 |
| Noncurrent loans to loans | 0.8676% | 863 |
| Net loans and leases to total assets | 42.2800% | 3,961 |
| Net loans and leases to deposits | 43.2427% | 4,138 |
| Net loans and leases to core deposits | 45.0694% | 4,147 |
| Total domestic deposits to total assets | 97.7700% | 39 |
| Equity capital to assets | 2.0127% | 4,646 |
| Core capital (leverage) ratio | 10.4158% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $451,940,000 | 1,851 |
| Average earning assets | $428,775,000 | 1,824 |
| Average equity | $19,748,200 | 2,974 |
| Average total loans | $173,492,200 | 2,424 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3170% | 3,133 |
| Cost of funding earning assets | 0.1406% | 3,933 |
| Net interest margin | 3.1764% | 2,697 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.2091% | 2,908 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2440% | 1,541 |
| Return on assets (ROA) | 1.2517% | 1,488 |
| Pretax return on assets | 1.2517% | 2,201 |
| Return on Equity (ROE) | 25.2300% | 181 |
| Retained earnings to average equity (ytd only) | 4.1477% | 3,390 |
| Net charge-offs to loans | 0.0983% | 626 |
| Credit loss provision to net charge-offs | 32.2581% | 1,597 |
| Earnings coverage of net charge-offs (x) | 34.3065% | 1,453 |
| Efficiency ratio | 63.7556% | 2,585 |
| Assets per employee ($millions) | 4.4693% | 4,079 |
| Cash dividends to net income (ytd only)* | 83.5613% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 763 |
| Loan loss allowance to noncurrent loans | 173.6447% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 1,281 |
| Noncurrent loans to loans | 1.0213% | 746 |
| Net loans and leases to total assets | 40.9100% | 4,037 |
| Net loans and leases to deposits | 42.8159% | 4,158 |
| Net loans and leases to core deposits | 43.3772% | 4,188 |
| Total domestic deposits to total assets | 95.5500% | 168 |
| Equity capital to assets | 1.5354% | 4,678 |
| Core capital (leverage) ratio | 10.3037% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $451,644,500 | 1,860 |
| Average earning assets | $428,771,000 | 1,834 |
| Average equity | $22,405,250 | 2,785 |
| Average total loans | $168,137,750 | 2,470 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 3,095 |
| Cost of funding earning assets | 0.1141% | 4,030 |
| Net interest margin | 3.0695% | 2,650 |
| Noninterest income to average assets | 0.4489% | 2,458 |
| Noninterest expense to average assets | 2.1635% | 2,960 |
| Loan and lease loss provision to assets | 0.0175% | 2,287 |
| Net operating income to assets | 1.1819% | 1,491 |
| Return on assets (ROA) | 1.1828% | 1,464 |
| Pretax return on assets | 1.1828% | 2,129 |
| Return on Equity (ROE) | 19.5281% | 339 |
| Retained earnings to average equity (ytd only) | 1.4404% | 3,889 |
| Net charge-offs to loans | 0.1151% | 531 |
| Credit loss provision to net charge-offs | 42.5532% | 1,524 |
| Earnings coverage of net charge-offs (x) | 29.1064% | 1,405 |
| Efficiency ratio | 64.3332% | 2,729 |
| Assets per employee ($millions) | 4.6896% | 3,937 |
| Cash dividends to net income (ytd only)* | 92.6242% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 662 |
| Loan loss allowance to noncurrent loans | 213.9581% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 1,623 |
| Noncurrent loans to loans | 0.8871% | 950 |
| Net loans and leases to total assets | 37.4838% | 4,194 |
| Net loans and leases to deposits | 38.5550% | 4,314 |
| Net loans and leases to core deposits | 39.0371% | 4,350 |
| Total domestic deposits to total assets | 97.2217% | 39 |
| Equity capital to assets | 2.3390% | 4,713 |
| Core capital (leverage) ratio | 10.1945% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $456,196,000 | 1,857 |
| Average earning assets | $433,099,333 | 1,835 |
| Average equity | $27,632,000 | 2,541 |
| Average total loans | $163,379,667 | 2,523 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 2,969 |
| Cost of funding earning assets | 0.1018% | 4,109 |
| Net interest margin | 3.0033% | 2,491 |
| Noninterest income to average assets | 0.4817% | 2,226 |
| Noninterest expense to average assets | 2.1211% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2126% | 1,220 |
| Return on assets (ROA) | 1.2143% | 1,199 |
| Pretax return on assets | 1.2143% | 1,756 |
| Return on Equity (ROE) | 15.4106% | 596 |
| Retained earnings to average equity (ytd only) | 0.2764% | 3,964 |
| Net charge-offs to loans | 0.3923% | 173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.9231% | 1,502 |
| Efficiency ratio | 63.6269% | 3,078 |
| Assets per employee ($millions) | 4.6064% | 4,074 |
| Cash dividends to net income (ytd only)* | 98.2066% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 585 |
| Loan loss allowance to noncurrent loans | 222.9035% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 1,832 |
| Noncurrent loans to loans | 0.9132% | 1,003 |
| Net loans and leases to total assets | 33.7224% | 4,316 |
| Net loans and leases to deposits | 36.0544% | 4,381 |
| Net loans and leases to core deposits | 36.6548% | 4,411 |
| Total domestic deposits to total assets | 93.5321% | 169 |
| Equity capital to assets | 6.2170% | 4,525 |
| Core capital (leverage) ratio | 10.0418% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,195,500 | 1,859 |
| Average earning assets | $436,058,500 | 1,838 |
| Average equity | $36,183,000 | 2,207 |
| Average total loans | $159,061,500 | 2,559 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1616% | 3,559 |
| Cost of funding earning assets | 0.1266% | 4,178 |
| Net interest margin | 3.0350% | 3,092 |
| Noninterest income to average assets | 0.5052% | 2,543 |
| Noninterest expense to average assets | 2.1185% | 3,340 |
| Loan and lease loss provision to assets | 0.0906% | 1,371 |
| Net operating income to assets | 1.1749% | 2,007 |
| Return on assets (ROA) | 1.2963% | 1,660 |
| Pretax return on assets | 1.2963% | 2,371 |
| Return on Equity (ROE) | 12.6993% | 1,570 |
| Retained earnings to average equity (ytd only) | 2.6642% | 3,776 |
| Net charge-offs to loans | 0.0314% | 1,612 |
| Credit loss provision to net charge-offs | 820.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 114.4800% | 816 |
| Efficiency ratio | 62.6029% | 2,776 |
| Assets per employee ($millions) | 5.0211% | 3,712 |
| Cash dividends to net income (ytd only)* | 79.0210% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 571 |
| Loan loss allowance to noncurrent loans | 231.7737% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 1,982 |
| Noncurrent loans to loans | 0.8800% | 1,153 |
| Net loans and leases to total assets | 34.1373% | 4,367 |
| Net loans and leases to deposits | 37.8047% | 4,413 |
| Net loans and leases to core deposits | 38.4061% | 4,446 |
| Total domestic deposits to total assets | 90.2993% | 810 |
| Equity capital to assets | 9.4870% | 3,158 |
| Core capital (leverage) ratio | 10.0075% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,291,200 | 1,831 |
| Average earning assets | $429,027,600 | 1,806 |
| Average equity | $46,167,800 | 1,885 |
| Average total loans | $159,072,200 | 2,553 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2148% | 3,578 |
| Cost of funding earning assets | 0.1336% | 4,241 |
| Net interest margin | 3.0812% | 3,098 |
| Noninterest income to average assets | 0.5272% | 2,513 |
| Noninterest expense to average assets | 2.1487% | 3,224 |
| Loan and lease loss provision to assets | 0.1962% | 530 |
| Net operating income to assets | 1.1023% | 2,548 |
| Return on assets (ROA) | 1.2557% | 2,033 |
| Pretax return on assets | 1.2557% | 2,755 |
| Return on Equity (ROE) | 12.0795% | 2,015 |
| Retained earnings to average equity (ytd only) | 1.9184% | 4,212 |
| Net charge-offs to loans | 0.0211% | 1,629 |
| Credit loss provision to net charge-offs | 2,640.0000% | 265 |
| Earnings coverage of net charge-offs (x) | 174.7600% | 608 |
| Efficiency ratio | 62.3330% | 2,641 |
| Assets per employee ($millions) | 4.8842% | 3,809 |
| Cash dividends to net income (ytd only)* | 84.1183% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3165% | 381 |
| Loan loss allowance to noncurrent loans | 269.6174% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 2,304 |
| Noncurrent loans to loans | 0.8592% | 1,338 |
| Net loans and leases to total assets | 33.3641% | 4,495 |
| Net loans and leases to deposits | 37.3553% | 4,534 |
| Net loans and leases to core deposits | 37.9694% | 4,571 |
| Total domestic deposits to total assets | 89.3154% | 1,115 |
| Equity capital to assets | 10.3929% | 2,537 |
| Core capital (leverage) ratio | 9.7177% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,623,000 | 1,859 |
| Average earning assets | $425,149,000 | 1,835 |
| Average equity | $46,634,500 | 1,891 |
| Average total loans | $158,158,250 | 2,600 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 3,523 |
| Cost of funding earning assets | 0.1400% | 4,278 |
| Net interest margin | 3.1261% | 2,969 |
| Noninterest income to average assets | 0.5198% | 2,528 |
| Noninterest expense to average assets | 2.1408% | 3,267 |
| Loan and lease loss provision to assets | 0.2776% | 329 |
| Net operating income to assets | 1.0605% | 2,678 |
| Return on assets (ROA) | 1.2857% | 1,982 |
| Pretax return on assets | 1.2857% | 2,668 |
| Return on Equity (ROE) | 12.3678% | 1,924 |
| Retained earnings to average equity (ytd only) | 2.1618% | 4,079 |
| Net charge-offs to loans | 0.0314% | 1,342 |
| Credit loss provision to net charge-offs | 2,480.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 119.5600% | 669 |
| Efficiency ratio | 61.5365% | 2,793 |
| Assets per employee ($millions) | 4.8966% | 3,749 |
| Cash dividends to net income (ytd only)* | 82.5209% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2008% | 422 |
| Loan loss allowance to noncurrent loans | 287.4595% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 2,404 |
| Noncurrent loans to loans | 0.7656% | 1,576 |
| Net loans and leases to total assets | 33.9418% | 4,541 |
| Net loans and leases to deposits | 37.7759% | 4,586 |
| Net loans and leases to core deposits | 38.7776% | 4,606 |
| Total domestic deposits to total assets | 89.8506% | 843 |
| Equity capital to assets | 9.8682% | 2,984 |
| Core capital (leverage) ratio | 10.0400% | 2,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $446,752,667 | 1,858 |
| Average earning assets | $422,897,000 | 1,835 |
| Average equity | $46,443,333 | 1,882 |
| Average total loans | $159,162,667 | 2,604 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 3,122 |
| Cost of funding earning assets | 0.1523% | 4,288 |
| Net interest margin | 3.2753% | 2,465 |
| Noninterest income to average assets | 0.5659% | 2,344 |
| Noninterest expense to average assets | 2.1530% | 3,260 |
| Loan and lease loss provision to assets | 0.5120% | 127 |
| Net operating income to assets | 1.0065% | 2,790 |
| Return on assets (ROA) | 1.4582% | 1,491 |
| Pretax return on assets | 1.4582% | 2,111 |
| Return on Equity (ROE) | 13.6580% | 1,502 |
| Retained earnings to average equity (ytd only) | 4.2815% | 3,424 |
| Net charge-offs to loans | 0.0532% | 975 |
| Credit loss provision to net charge-offs | 2,666.6667% | 199 |
| Earnings coverage of net charge-offs (x) | 79.0952% | 707 |
| Efficiency ratio | 58.6404% | 3,215 |
| Assets per employee ($millions) | 4.5824% | 4,035 |
| Cash dividends to net income (ytd only)* | 68.6520% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1932% | 426 |
| Loan loss allowance to noncurrent loans | 299.4007% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 2,434 |
| Noncurrent loans to loans | 0.7325% | 1,769 |
| Net loans and leases to total assets | 35.8242% | 4,510 |
| Net loans and leases to deposits | 39.9861% | 4,566 |
| Net loans and leases to core deposits | 41.0689% | 4,592 |
| Total domestic deposits to total assets | 89.5916% | 1,025 |
| Equity capital to assets | 10.1404% | 2,562 |
| Core capital (leverage) ratio | 10.2342% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $437,538,500 | 1,876 |
| Average earning assets | $414,869,000 | 1,854 |
| Average equity | $46,712,500 | 1,866 |
| Average total loans | $158,022,000 | 2,619 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 3,699 |
| Cost of funding earning assets | 0.1904% | 4,610 |
| Net interest margin | 3.4594% | 2,599 |
| Noninterest income to average assets | 0.6616% | 1,981 |
| Noninterest expense to average assets | 2.3889% | 3,162 |
| Loan and lease loss provision to assets | 0.1392% | 2,618 |
| Net operating income to assets | 1.3933% | 1,036 |
| Return on assets (ROA) | 1.5252% | 821 |
| Pretax return on assets | 1.5252% | 1,254 |
| Return on Equity (ROE) | 12.6173% | 1,144 |
| Retained earnings to average equity (ytd only) | 2.2883% | 3,707 |
| Net charge-offs to loans | 0.0116% | 2,909 |
| Credit loss provision to net charge-offs | 3,294.1176% | 301 |
| Earnings coverage of net charge-offs (x) | 362.7059% | 300 |
| Efficiency ratio | 60.9203% | 3,329 |
| Assets per employee ($millions) | 4.5807% | 3,834 |
| Cash dividends to net income (ytd only)* | 81.8641% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8890% | 742 |
| Loan loss allowance to noncurrent loans | 165.2514% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,263 |
| Noncurrent loans to loans | 1.1431% | 1,247 |
| Net loans and leases to total assets | 34.9373% | 4,617 |
| Net loans and leases to deposits | 39.4368% | 4,668 |
| Net loans and leases to core deposits | 40.5587% | 4,683 |
| Total domestic deposits to total assets | 88.5905% | 1,169 |
| Equity capital to assets | 11.2066% | 2,092 |
| Core capital (leverage) ratio | 10.4450% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,365,600 | 1,856 |
| Average earning assets | $379,137,200 | 1,838 |
| Average equity | $48,639,600 | 1,738 |
| Average total loans | $146,556,600 | 2,693 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 3,654 |
| Cost of funding earning assets | 0.2006% | 4,674 |
| Net interest margin | 3.5654% | 2,377 |
| Noninterest income to average assets | 0.7080% | 1,770 |
| Noninterest expense to average assets | 2.4568% | 2,969 |
| Loan and lease loss provision to assets | 0.1494% | 2,532 |
| Net operating income to assets | 1.4547% | 986 |
| Return on assets (ROA) | 1.6012% | 793 |
| Pretax return on assets | 1.6012% | 1,181 |
| Return on Equity (ROE) | 12.9812% | 1,116 |
| Retained earnings to average equity (ytd only) | 2.5660% | 3,701 |
| Net charge-offs to loans | 0.0194% | 2,470 |
| Credit loss provision to net charge-offs | 2,095.2381% | 457 |
| Earnings coverage of net charge-offs (x) | 225.1429% | 457 |
| Efficiency ratio | 60.5013% | 3,307 |
| Assets per employee ($millions) | 4.1970% | 4,149 |
| Cash dividends to net income (ytd only)* | 80.2331% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 628 |
| Loan loss allowance to noncurrent loans | 117.4886% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 1,605 |
| Noncurrent loans to loans | 1.5869% | 890 |
| Net loans and leases to total assets | 36.6540% | 4,656 |
| Net loans and leases to deposits | 41.8842% | 4,699 |
| Net loans and leases to core deposits | 43.1098% | 4,728 |
| Total domestic deposits to total assets | 87.5126% | 1,445 |
| Equity capital to assets | 12.1725% | 1,588 |
| Core capital (leverage) ratio | 10.6595% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,020,000 | 1,869 |
| Average earning assets | $369,581,000 | 1,843 |
| Average equity | $48,479,250 | 1,737 |
| Average total loans | $144,047,250 | 2,714 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9001% | 3,613 |
| Cost of funding earning assets | 0.2129% | 4,730 |
| Net interest margin | 3.6873% | 2,217 |
| Noninterest income to average assets | 0.7128% | 1,696 |
| Noninterest expense to average assets | 2.4629% | 3,066 |
| Loan and lease loss provision to assets | 0.1648% | 2,353 |
| Net operating income to assets | 1.5466% | 851 |
| Return on assets (ROA) | 1.7449% | 616 |
| Pretax return on assets | 1.7449% | 903 |
| Return on Equity (ROE) | 14.0813% | 872 |
| Retained earnings to average equity (ytd only) | 3.3582% | 3,245 |
| Net charge-offs to loans | 0.0325% | 2,080 |
| Credit loss provision to net charge-offs | 1,391.3043% | 631 |
| Earnings coverage of net charge-offs (x) | 144.4783% | 548 |
| Efficiency ratio | 59.0006% | 3,551 |
| Assets per employee ($millions) | 4.2353% | 4,068 |
| Cash dividends to net income (ytd only)* | 76.1511% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 617 |
| Loan loss allowance to noncurrent loans | 137.1082% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 1,821 |
| Noncurrent loans to loans | 1.3330% | 1,153 |
| Net loans and leases to total assets | 35.8296% | 4,728 |
| Net loans and leases to deposits | 40.9602% | 4,771 |
| Net loans and leases to core deposits | 41.5967% | 4,802 |
| Total domestic deposits to total assets | 87.4741% | 1,427 |
| Equity capital to assets | 12.2398% | 1,518 |
| Core capital (leverage) ratio | 11.2127% | 1,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,324,333 | 1,855 |
| Average earning assets | $364,553,000 | 1,841 |
| Average equity | $48,120,667 | 1,733 |
| Average total loans | $141,377,667 | 2,730 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,865 |
| Cost of funding earning assets | 0.2555% | 4,759 |
| Net interest margin | 3.7182% | 2,271 |
| Noninterest income to average assets | 0.9315% | 993 |
| Noninterest expense to average assets | 2.5855% | 3,023 |
| Loan and lease loss provision to assets | 0.0316% | 3,377 |
| Net operating income to assets | 1.7996% | 416 |
| Return on assets (ROA) | 1.9304% | 341 |
| Pretax return on assets | 1.9304% | 534 |
| Return on Equity (ROE) | 15.4763% | 489 |
| Retained earnings to average equity (ytd only) | 5.6662% | 2,004 |
| Net charge-offs to loans | 0.0783% | 1,240 |
| Credit loss provision to net charge-offs | 111.1111% | 1,747 |
| Earnings coverage of net charge-offs (x) | 64.2963% | 772 |
| Efficiency ratio | 58.5383% | 3,935 |
| Assets per employee ($millions) | 3.7523% | 4,222 |
| Cash dividends to net income (ytd only)* | 63.3880% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 758 |
| Loan loss allowance to noncurrent loans | 147.9804% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 2,073 |
| Noncurrent loans to loans | 1.1950% | 1,367 |
| Net loans and leases to total assets | 36.1575% | 4,773 |
| Net loans and leases to deposits | 41.7818% | 4,804 |
| Net loans and leases to core deposits | 42.4261% | 4,836 |
| Total domestic deposits to total assets | 86.5388% | 1,757 |
| Equity capital to assets | 13.2009% | 1,340 |
| Core capital (leverage) ratio | 11.6916% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5444% | 594 |
| Memoranda: | ||
| Average total assets | $379,191,000 | 1,847 |
| Average earning assets | $355,445,000 | 1,829 |
| Average equity | $47,298,000 | 1,752 |
| Average total loans | $137,870,500 | 2,742 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 4,033 |
| Cost of funding earning assets | 0.2761% | 4,783 |
| Net interest margin | 3.8265% | 2,418 |
| Noninterest income to average assets | 0.6808% | 1,881 |
| Noninterest expense to average assets | 2.7177% | 2,837 |
| Loan and lease loss provision to assets | 0.0711% | 2,580 |
| Net operating income to assets | 1.4713% | 1,125 |
| Return on assets (ROA) | 1.5238% | 1,059 |
| Pretax return on assets | 1.5238% | 1,737 |
| Return on Equity (ROE) | 12.8731% | 1,207 |
| Retained earnings to average equity (ytd only) | 3.3919% | 3,317 |
| Net charge-offs to loans | 0.3969% | 492 |
| Credit loss provision to net charge-offs | 48.8550% | 3,140 |
| Earnings coverage of net charge-offs (x) | 10.6011% | 2,559 |
| Efficiency ratio | 63.7946% | 3,102 |
| Assets per employee ($millions) | 3.8691% | 4,065 |
| Cash dividends to net income (ytd only)* | 73.6516% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 735 |
| Loan loss allowance to noncurrent loans | 173.5632% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 2,209 |
| Noncurrent loans to loans | 1.0014% | 1,517 |
| Net loans and leases to total assets | 35.3032% | 4,862 |
| Net loans and leases to deposits | 40.1145% | 4,903 |
| Net loans and leases to core deposits | 40.6970% | 4,935 |
| Total domestic deposits to total assets | 88.0062% | 1,123 |
| Equity capital to assets | 11.7752% | 2,300 |
| Core capital (leverage) ratio | 11.7202% | 1,943 |
| Tier 1 risk-based capital ratio | 20.7077% | 1,217 |
| Total risk-based capital ratio | 21.9171% | 1,188 |
| Memoranda: | ||
| Average total assets | $360,153,600 | 1,876 |
| Average earning assets | $336,891,400 | 1,857 |
| Average equity | $42,631,600 | 1,829 |
| Average total loans | $132,034,800 | 2,799 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 4,034 |
| Cost of funding earning assets | 0.2775% | 4,851 |
| Net interest margin | 3.8738% | 2,354 |
| Noninterest income to average assets | 0.6944% | 1,813 |
| Noninterest expense to average assets | 2.8347% | 2,455 |
| Loan and lease loss provision to assets | 0.0339% | 3,222 |
| Net operating income to assets | 1.4481% | 1,333 |
| Return on assets (ROA) | 1.5186% | 1,196 |
| Pretax return on assets | 1.5186% | 1,903 |
| Return on Equity (ROE) | 12.8112% | 1,350 |
| Retained earnings to average equity (ytd only) | 4.1749% | 3,320 |
| Net charge-offs to loans | 0.5383% | 312 |
| Credit loss provision to net charge-offs | 17.1103% | 2,981 |
| Earnings coverage of net charge-offs (x) | 7.4695% | 2,737 |
| Efficiency ratio | 65.6676% | 2,776 |
| Assets per employee ($millions) | 3.5988% | 4,395 |
| Cash dividends to net income (ytd only)* | 67.4118% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 721 |
| Loan loss allowance to noncurrent loans | 137.4083% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 2,000 |
| Noncurrent loans to loans | 1.2863% | 1,206 |
| Net loans and leases to total assets | 35.0690% | 4,966 |
| Net loans and leases to deposits | 40.2440% | 4,989 |
| Net loans and leases to core deposits | 40.8714% | 5,019 |
| Total domestic deposits to total assets | 87.1409% | 1,453 |
| Equity capital to assets | 12.5478% | 1,878 |
| Core capital (leverage) ratio | 12.0717% | 1,803 |
| Tier 1 risk-based capital ratio | 23.2689% | 918 |
| Total risk-based capital ratio | 24.5194% | 897 |
| Memoranda: | ||
| Average total assets | $353,465,000 | 1,911 |
| Average earning assets | $330,522,750 | 1,896 |
| Average equity | $41,899,750 | 1,860 |
| Average total loans | $130,291,750 | 2,851 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 4,053 |
| Cost of funding earning assets | 0.2685% | 4,906 |
| Net interest margin | 3.8784% | 2,310 |
| Noninterest income to average assets | 0.6150% | 2,084 |
| Noninterest expense to average assets | 2.8582% | 2,389 |
| Loan and lease loss provision to assets | 0.0340% | 3,147 |
| Net operating income to assets | 1.3531% | 1,563 |
| Return on assets (ROA) | 1.3531% | 1,630 |
| Pretax return on assets | 1.3531% | 2,374 |
| Return on Equity (ROE) | 11.6442% | 1,719 |
| Retained earnings to average equity (ytd only) | 3.0026% | 3,716 |
| Net charge-offs to loans | 0.3290% | 519 |
| Credit loss provision to net charge-offs | 27.7778% | 2,611 |
| Earnings coverage of net charge-offs (x) | 11.3194% | 2,208 |
| Efficiency ratio | 67.3259% | 2,635 |
| Assets per employee ($millions) | 3.4995% | 4,498 |
| Cash dividends to net income (ytd only)* | 74.2138% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 493 |
| Loan loss allowance to noncurrent loans | 139.9779% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 1,688 |
| Noncurrent loans to loans | 1.4129% | 1,096 |
| Net loans and leases to total assets | 35.1021% | 5,003 |
| Net loans and leases to deposits | 40.1398% | 5,049 |
| Net loans and leases to core deposits | 40.6952% | 5,071 |
| Total domestic deposits to total assets | 87.4496% | 1,365 |
| Equity capital to assets | 12.2403% | 2,029 |
| Core capital (leverage) ratio | 11.8944% | 1,892 |
| Tier 1 risk-based capital ratio | 23.0606% | 941 |
| Total risk-based capital ratio | 24.3127% | 914 |
| Memoranda: | ||
| Average total assets | $352,527,330 | 1,925 |
| Average earning assets | $329,977,670 | 1,908 |
| Average equity | $40,964,670 | 1,897 |
| Average total loans | $131,325,330 | 2,852 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1595% | 3,971 |
| Cost of funding earning assets | 0.2427% | 5,001 |
| Net interest margin | 3.9169% | 2,137 |
| Noninterest income to average assets | 0.5880% | 2,104 |
| Noninterest expense to average assets | 2.8808% | 2,328 |
| Loan and lease loss provision to assets | 0.0343% | 2,944 |
| Net operating income to assets | 1.3405% | 1,559 |
| Return on assets (ROA) | 1.3405% | 1,597 |
| Pretax return on assets | 1.3405% | 2,288 |
| Return on Equity (ROE) | 11.8583% | 1,588 |
| Retained earnings to average equity (ytd only) | 2.6565% | 3,869 |
| Net charge-offs to loans | 0.0571% | 1,474 |
| Credit loss provision to net charge-offs | 157.8947% | 1,204 |
| Earnings coverage of net charge-offs (x) | 63.3684% | 889 |
| Efficiency ratio | 67.6952% | 2,681 |
| Assets per employee ($millions) | 3.3837% | 4,671 |
| Cash dividends to net income (ytd only)* | 77.5980% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 425 |
| Loan loss allowance to noncurrent loans | 71.9744% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1262% | 1,218 |
| Noncurrent loans to loans | 2.8955% | 392 |
| Net loans and leases to total assets | 36.3183% | 5,008 |
| Net loans and leases to deposits | 41.2755% | 5,057 |
| Net loans and leases to core deposits | 41.6120% | 5,087 |
| Total domestic deposits to total assets | 87.9901% | 1,341 |
| Equity capital to assets | 11.7643% | 2,180 |
| Core capital (leverage) ratio | 12.0952% | 1,715 |
| Tier 1 risk-based capital ratio | 22.9162% | 945 |
| Total risk-based capital ratio | 24.1698% | 925 |
| Memoranda: | ||
| Average total assets | $350,314,500 | 1,947 |
| Average earning assets | $328,018,500 | 1,930 |
| Average equity | $39,601,000 | 1,937 |
| Average total loans | $133,075,000 | 2,870 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 3,043 |
| Cost of funding earning assets | 0.2019% | 4,993 |
| Net interest margin | 4.1182% | 1,623 |
| Noninterest income to average assets | 0.6160% | 2,213 |
| Noninterest expense to average assets | 2.7885% | 2,730 |
| Loan and lease loss provision to assets | 0.1068% | 2,065 |
| Net operating income to assets | 1.5698% | 948 |
| Return on assets (ROA) | 1.5701% | 940 |
| Pretax return on assets | 1.5701% | 1,554 |
| Return on Equity (ROE) | 14.2324% | 996 |
| Retained earnings to average equity (ytd only) | 2.6702% | 4,068 |
| Net charge-offs to loans | 0.0047% | 3,548 |
| Credit loss provision to net charge-offs | 5,285.7143% | 90 |
| Earnings coverage of net charge-offs (x) | 830.1429% | 128 |
| Efficiency ratio | 62.4515% | 3,444 |
| Assets per employee ($millions) | 3.3857% | 4,671 |
| Cash dividends to net income (ytd only)* | 81.2385% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 506 |
| Loan loss allowance to noncurrent loans | 64.7683% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 1,052 |
| Noncurrent loans to loans | 3.0275% | 334 |
| Net loans and leases to total assets | 38.1119% | 5,010 |
| Net loans and leases to deposits | 42.8616% | 5,052 |
| Net loans and leases to core deposits | 43.1701% | 5,097 |
| Total domestic deposits to total assets | 88.9185% | 891 |
| Equity capital to assets | 10.8492% | 2,846 |
| Core capital (leverage) ratio | 11.9424% | 1,777 |
| Tier 1 risk-based capital ratio | 21.4533% | 1,105 |
| Total risk-based capital ratio | 22.7054% | 1,081 |
| Memoranda: | ||
| Average total assets | $346,601,600 | 1,928 |
| Average earning assets | $323,949,200 | 1,911 |
| Average equity | $38,236,600 | 1,927 |
| Average total loans | $147,846,000 | 2,669 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 2,619 |
| Cost of funding earning assets | 0.1909% | 5,049 |
| Net interest margin | 4.2112% | 1,326 |
| Noninterest income to average assets | 0.6176% | 2,229 |
| Noninterest expense to average assets | 2.7900% | 2,667 |
| Loan and lease loss provision to assets | 0.1313% | 1,533 |
| Net operating income to assets | 1.6325% | 889 |
| Return on assets (ROA) | 1.6325% | 895 |
| Pretax return on assets | 1.6325% | 1,479 |
| Return on Equity (ROE) | 14.7360% | 930 |
| Retained earnings to average equity (ytd only) | 3.4687% | 4,034 |
| Net charge-offs to loans | 0.0053% | 3,246 |
| Credit loss provision to net charge-offs | 5,666.6667% | 71 |
| Earnings coverage of net charge-offs (x) | 761.1475% | 112 |
| Efficiency ratio | 61.2671% | 3,622 |
| Assets per employee ($millions) | 3.3268% | 4,747 |
| Cash dividends to net income (ytd only)* | 76.4609% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 601 |
| Loan loss allowance to noncurrent loans | 99.6248% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 1,695 |
| Noncurrent loans to loans | 1.9024% | 796 |
| Net loans and leases to total assets | 40.1074% | 5,024 |
| Net loans and leases to deposits | 45.1566% | 5,080 |
| Net loans and leases to core deposits | 45.5555% | 5,122 |
| Total domestic deposits to total assets | 88.8185% | 907 |
| Equity capital to assets | 10.8984% | 2,754 |
| Core capital (leverage) ratio | 12.1330% | 1,707 |
| Tier 1 risk-based capital ratio | 22.8777% | 950 |
| Total risk-based capital ratio | 24.1313% | 923 |
| Memoranda: | ||
| Average total assets | $345,225,000 | 1,944 |
| Average earning assets | $322,684,500 | 1,927 |
| Average equity | $38,245,500 | 1,935 |
| Average total loans | $150,587,750 | 2,651 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 3,109 |
| Cost of funding earning assets | 0.1848% | 5,097 |
| Net interest margin | 4.0159% | 1,807 |
| Noninterest income to average assets | 0.6056% | 2,293 |
| Noninterest expense to average assets | 2.7485% | 2,850 |
| Loan and lease loss provision to assets | 0.0347% | 3,220 |
| Net operating income to assets | 1.5765% | 974 |
| Return on assets (ROA) | 1.5765% | 975 |
| Pretax return on assets | 1.5765% | 1,577 |
| Return on Equity (ROE) | 14.1546% | 1,040 |
| Retained earnings to average equity (ytd only) | 3.0405% | 4,031 |
| Net charge-offs to loans | 0.0013% | 3,168 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 2,788.0000% | 21 |
| Efficiency ratio | 63.0435% | 3,464 |
| Assets per employee ($millions) | 3.4149% | 4,702 |
| Cash dividends to net income (ytd only)* | 78.5191% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 1,052 |
| Loan loss allowance to noncurrent loans | 67.5369% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 1,297 |
| Noncurrent loans to loans | 2.4029% | 550 |
| Net loans and leases to total assets | 41.8309% | 4,991 |
| Net loans and leases to deposits | 47.1133% | 5,057 |
| Net loans and leases to core deposits | 47.5241% | 5,115 |
| Total domestic deposits to total assets | 88.7879% | 1,020 |
| Equity capital to assets | 10.9219% | 2,710 |
| Core capital (leverage) ratio | 11.9543% | 1,745 |
| Tier 1 risk-based capital ratio | 22.0692% | 1,027 |
| Total risk-based capital ratio | 23.3200% | 1,013 |
| Memoranda: | ||
| Average total assets | $346,078,330 | 1,950 |
| Average earning assets | $323,513,000 | 1,932 |
| Average equity | $38,545,670 | 1,924 |
| Average total loans | $154,087,330 | 2,618 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 3,120 |
| Cost of funding earning assets | 0.1766% | 5,132 |
| Net interest margin | 3.9553% | 1,858 |
| Noninterest income to average assets | 0.5919% | 2,309 |
| Noninterest expense to average assets | 2.7058% | 3,023 |
| Loan and lease loss provision to assets | 0.0438% | 2,885 |
| Net operating income to assets | 1.5369% | 987 |
| Return on assets (ROA) | 1.5369% | 995 |
| Pretax return on assets | 1.5369% | 1,575 |
| Return on Equity (ROE) | 13.6673% | 1,096 |
| Retained earnings to average equity (ytd only) | 2.2061% | 4,289 |
| Net charge-offs to loans | -0.0025% | 3,843 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1225% | 3,614 |
| Assets per employee ($millions) | 3.5112% | 4,654 |
| Cash dividends to net income (ytd only)* | 83.8589% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,293 |
| Loan loss allowance to noncurrent loans | 95.0443% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8412% | 1,881 |
| Noncurrent loans to loans | 1.6281% | 1,068 |
| Net loans and leases to total assets | 43.1770% | 4,935 |
| Net loans and leases to deposits | 48.5599% | 5,023 |
| Net loans and leases to core deposits | 49.0214% | 5,068 |
| Total domestic deposits to total assets | 88.9148% | 1,138 |
| Equity capital to assets | 10.8872% | 2,694 |
| Core capital (leverage) ratio | 11.8837% | 1,730 |
| Tier 1 risk-based capital ratio | 20.3128% | 1,293 |
| Total risk-based capital ratio | 21.5362% | 1,272 |
| Memoranda: | ||
| Average total assets | $346,666,000 | 1,963 |
| Average earning assets | $323,817,500 | 1,948 |
| Average equity | $38,983,500 | 1,908 |
| Average total loans | $157,803,000 | 2,596 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,500 |
| Cost of funding earning assets | 0.1359% | 5,337 |
| Net interest margin | 4.1135% | 1,391 |
| Noninterest income to average assets | 0.6338% | 2,280 |
| Noninterest expense to average assets | 2.7463% | 2,973 |
| Loan and lease loss provision to assets | 0.0253% | 3,791 |
| Net operating income to assets | 1.6943% | 531 |
| Return on assets (ROA) | 1.7188% | 521 |
| Pretax return on assets | 1.7188% | 965 |
| Return on Equity (ROE) | 14.6130% | 673 |
| Retained earnings to average equity (ytd only) | 3.5830% | 3,121 |
| Net charge-offs to loans | 0.0203% | 3,429 |
| Credit loss provision to net charge-offs | 265.6250% | 1,055 |
| Earnings coverage of net charge-offs (x) | 180.4375% | 429 |
| Efficiency ratio | 61.4938% | 4,017 |
| Assets per employee ($millions) | 3.3894% | 4,835 |
| Cash dividends to net income (ytd only)* | 75.4809% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,675 |
| Loan loss allowance to noncurrent loans | 92.4333% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 1,823 |
| Noncurrent loans to loans | 1.5390% | 1,100 |
| Net loans and leases to total assets | 46.5225% | 4,858 |
| Net loans and leases to deposits | 52.7523% | 4,948 |
| Net loans and leases to core deposits | 53.2542% | 5,030 |
| Total domestic deposits to total assets | 88.1905% | 1,399 |
| Equity capital to assets | 11.6052% | 2,110 |
| Core capital (leverage) ratio | 12.0440% | 1,582 |
| Tier 1 risk-based capital ratio | 19.7123% | 1,376 |
| Total risk-based capital ratio | 20.8868% | 1,363 |
| Memoranda: | ||
| Average total assets | $335,764,200 | 1,979 |
| Average earning assets | $312,802,200 | 1,972 |
| Average equity | $39,492,200 | 1,877 |
| Average total loans | $157,442,400 | 2,574 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,433 |
| Cost of funding earning assets | 0.1266% | 5,445 |
| Net interest margin | 4.1245% | 1,328 |
| Noninterest income to average assets | 0.6529% | 2,193 |
| Noninterest expense to average assets | 2.7688% | 2,830 |
| Loan and lease loss provision to assets | 0.0220% | 3,706 |
| Net operating income to assets | 1.7079% | 572 |
| Return on assets (ROA) | 1.7407% | 548 |
| Pretax return on assets | 1.7407% | 1,023 |
| Return on Equity (ROE) | 14.7483% | 688 |
| Retained earnings to average equity (ytd only) | 3.8642% | 3,625 |
| Net charge-offs to loans | 0.0060% | 3,519 |
| Credit loss provision to net charge-offs | 785.7143% | 438 |
| Earnings coverage of net charge-offs (x) | 617.9196% | 166 |
| Efficiency ratio | 61.5474% | 3,949 |
| Assets per employee ($millions) | 3.4511% | 4,798 |
| Cash dividends to net income (ytd only)* | 73.7992% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,662 |
| Loan loss allowance to noncurrent loans | 76.1764% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0297% | 1,639 |
| Noncurrent loans to loans | 1.9227% | 897 |
| Net loans and leases to total assets | 47.5027% | 4,858 |
| Net loans and leases to deposits | 54.4503% | 4,942 |
| Net loans and leases to core deposits | 54.9908% | 5,041 |
| Total domestic deposits to total assets | 87.2405% | 1,758 |
| Equity capital to assets | 12.4908% | 1,661 |
| Core capital (leverage) ratio | 12.1642% | 1,589 |
| Tier 1 risk-based capital ratio | 20.3295% | 1,302 |
| Total risk-based capital ratio | 21.5467% | 1,281 |
| Memoranda: | ||
| Average total assets | $333,274,500 | 2,000 |
| Average earning assets | $310,755,000 | 1,996 |
| Average equity | $39,334,750 | 1,902 |
| Average total loans | $156,013,000 | 2,609 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 2,431 |
| Cost of funding earning assets | 0.1127% | 5,549 |
| Net interest margin | 4.0984% | 1,328 |
| Noninterest income to average assets | 0.6231% | 2,358 |
| Noninterest expense to average assets | 2.7498% | 2,931 |
| Loan and lease loss provision to assets | 0.0149% | 3,657 |
| Net operating income to assets | 1.6796% | 585 |
| Return on assets (ROA) | 1.7285% | 536 |
| Pretax return on assets | 1.7285% | 994 |
| Return on Equity (ROE) | 14.9295% | 670 |
| Retained earnings to average equity (ytd only) | 4.6448% | 2,947 |
| Net charge-offs to loans | 0.0090% | 3,141 |
| Credit loss provision to net charge-offs | 357.1429% | 854 |
| Earnings coverage of net charge-offs (x) | 405.5714% | 209 |
| Efficiency ratio | 61.8721% | 4,010 |
| Assets per employee ($millions) | 3.3278% | 4,956 |
| Cash dividends to net income (ytd only)* | 68.8881% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 1,769 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 2,139 |
| Noncurrent loans to loans | 1.6851% | 1,082 |
| Net loans and leases to total assets | 46.8729% | 4,893 |
| Net loans and leases to deposits | 53.5694% | 4,983 |
| Net loans and leases to core deposits | 54.1384% | 5,083 |
| Total domestic deposits to total assets | 87.4993% | 1,724 |
| Equity capital to assets | 12.2432% | 1,762 |
| Core capital (leverage) ratio | 12.0700% | 1,591 |
| Tier 1 risk-based capital ratio | 20.2457% | 1,317 |
| Total risk-based capital ratio | 21.4499% | 1,300 |
| Memoranda: | ||
| Average total assets | $335,080,330 | 2,001 |
| Average earning assets | $312,414,000 | 1,996 |
| Average equity | $38,795,670 | 1,925 |
| Average total loans | $155,332,000 | 2,628 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 2,607 |
| Cost of funding earning assets | 0.1109% | 5,610 |
| Net interest margin | 4.0022% | 1,469 |
| Noninterest income to average assets | 0.5996% | 2,418 |
| Noninterest expense to average assets | 2.6934% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6417% | 620 |
| Return on assets (ROA) | 1.6417% | 636 |
| Pretax return on assets | 1.6417% | 1,147 |
| Return on Equity (ROE) | 14.5947% | 704 |
| Retained earnings to average equity (ytd only) | 5.0235% | 2,882 |
| Net charge-offs to loans | 0.0052% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 690.0000% | 74 |
| Efficiency ratio | 62.1295% | 4,131 |
| Assets per employee ($millions) | 3.3294% | 5,018 |
| Cash dividends to net income (ytd only)* | 65.5797% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,855 |
| Loan loss allowance to noncurrent loans | 87.2209% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 2,255 |
| Noncurrent loans to loans | 1.6672% | 1,159 |
| Net loans and leases to total assets | 46.5908% | 4,913 |
| Net loans and leases to deposits | 52.8574% | 4,991 |
| Net loans and leases to core deposits | 53.4122% | 5,090 |
| Total domestic deposits to total assets | 88.1443% | 1,629 |
| Equity capital to assets | 11.6551% | 2,076 |
| Core capital (leverage) ratio | 12.0404% | 1,601 |
| Tier 1 risk-based capital ratio | 20.6081% | 1,285 |
| Total risk-based capital ratio | 21.8367% | 1,258 |
| Memoranda: | ||
| Average total assets | $336,230,000 | 2,014 |
| Average earning assets | $313,831,000 | 2,005 |
| Average equity | $37,822,000 | 1,969 |
| Average total loans | $153,863,000 | 2,652 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 3,081 |
| Cost of funding earning assets | 0.1074% | 5,671 |
| Net interest margin | 3.9260% | 1,874 |
| Noninterest income to average assets | 0.7652% | 1,902 |
| Noninterest expense to average assets | 2.8320% | 2,915 |
| Loan and lease loss provision to assets | 0.0905% | 2,552 |
| Net operating income to assets | 1.5024% | 824 |
| Return on assets (ROA) | 1.6221% | 673 |
| Pretax return on assets | 1.6221% | 1,214 |
| Return on Equity (ROE) | 13.2916% | 926 |
| Retained earnings to average equity (ytd only) | 2.4690% | 4,114 |
| Net charge-offs to loans | 0.0104% | 3,919 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 352.0667% | 231 |
| Efficiency ratio | 64.0014% | 3,939 |
| Assets per employee ($millions) | 3.4285% | 4,856 |
| Cash dividends to net income (ytd only)* | 81.4243% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,695 |
| Loan loss allowance to noncurrent loans | 85.7791% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 2,355 |
| Noncurrent loans to loans | 1.7407% | 1,103 |
| Net loans and leases to total assets | 43.6413% | 5,132 |
| Net loans and leases to deposits | 49.0796% | 5,248 |
| Net loans and leases to core deposits | 49.5945% | 5,314 |
| Total domestic deposits to total assets | 88.9195% | 1,154 |
| Equity capital to assets | 10.8583% | 2,754 |
| Core capital (leverage) ratio | 11.7319% | 1,774 |
| Tier 1 risk-based capital ratio | 20.6425% | 1,270 |
| Total risk-based capital ratio | 21.8891% | 1,238 |
| Memoranda: | ||
| Average total assets | $331,536,200 | 1,995 |
| Average earning assets | $309,042,800 | 1,982 |
| Average equity | $40,461,600 | 1,834 |
| Average total loans | $144,709,800 | 2,717 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,982 |
| Cost of funding earning assets | 0.1075% | 5,738 |
| Net interest margin | 3.9637% | 1,770 |
| Noninterest income to average assets | 0.8311% | 1,645 |
| Noninterest expense to average assets | 2.8673% | 2,754 |
| Loan and lease loss provision to assets | 0.1217% | 1,913 |
| Net operating income to assets | 1.5373% | 816 |
| Return on assets (ROA) | 1.6979% | 631 |
| Pretax return on assets | 1.6979% | 1,121 |
| Return on Equity (ROE) | 13.5236% | 916 |
| Retained earnings to average equity (ytd only) | 2.8398% | 4,192 |
| Net charge-offs to loans | 0.0084% | 3,634 |
| Credit loss provision to net charge-offs | 3,333.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 454.4333% | 194 |
| Efficiency ratio | 63.3480% | 4,022 |
| Assets per employee ($millions) | 3.3793% | 4,937 |
| Cash dividends to net income (ytd only)* | 79.0014% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,618 |
| Loan loss allowance to noncurrent loans | 117.8238% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 3,042 |
| Noncurrent loans to loans | 1.3128% | 1,689 |
| Net loans and leases to total assets | 43.7070% | 5,210 |
| Net loans and leases to deposits | 50.2615% | 5,287 |
| Net loans and leases to core deposits | 50.9483% | 5,351 |
| Total domestic deposits to total assets | 86.9593% | 1,916 |
| Equity capital to assets | 12.7547% | 1,619 |
| Core capital (leverage) ratio | 11.7964% | 1,814 |
| Tier 1 risk-based capital ratio | 21.3073% | 1,222 |
| Total risk-based capital ratio | 22.5576% | 1,200 |
| Memoranda: | ||
| Average total assets | $328,706,750 | 2,015 |
| Average earning assets | $306,438,250 | 2,005 |
| Average equity | $41,270,000 | 1,807 |
| Average total loans | $142,913,750 | 2,738 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,918 |
| Cost of funding earning assets | 0.1099% | 5,807 |
| Net interest margin | 3.9753% | 1,722 |
| Noninterest income to average assets | 0.9028% | 1,367 |
| Noninterest expense to average assets | 2.8571% | 2,817 |
| Loan and lease loss provision to assets | 0.1830% | 1,190 |
| Net operating income to assets | 1.5688% | 777 |
| Return on assets (ROA) | 1.7195% | 591 |
| Pretax return on assets | 1.7195% | 1,048 |
| Return on Equity (ROE) | 13.7691% | 873 |
| Retained earnings to average equity (ytd only) | 3.3019% | 3,801 |
| Net charge-offs to loans | 0.0127% | 3,292 |
| Credit loss provision to net charge-offs | 3,333.3333% | 129 |
| Earnings coverage of net charge-offs (x) | 319.1111% | 212 |
| Efficiency ratio | 61.9905% | 4,354 |
| Assets per employee ($millions) | 3.2523% | 5,132 |
| Cash dividends to net income (ytd only)* | 76.0199% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,486 |
| Loan loss allowance to noncurrent loans | 102.0646% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 2,822 |
| Noncurrent loans to loans | 1.5825% | 1,355 |
| Net loans and leases to total assets | 42.1692% | 5,331 |
| Net loans and leases to deposits | 48.5728% | 5,397 |
| Net loans and leases to core deposits | 49.2426% | 5,461 |
| Total domestic deposits to total assets | 86.8165% | 2,004 |
| Equity capital to assets | 12.9187% | 1,553 |
| Core capital (leverage) ratio | 11.7247% | 1,830 |
| Tier 1 risk-based capital ratio | 21.3396% | 1,219 |
| Total risk-based capital ratio | 22.5901% | 1,199 |
| Memoranda: | ||
| Average total assets | $327,885,330 | 2,028 |
| Average earning assets | $305,684,000 | 2,014 |
| Average equity | $40,946,670 | 1,815 |
| Average total loans | $141,545,330 | 2,758 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 2,918 |
| Cost of funding earning assets | 0.1114% | 5,861 |
| Net interest margin | 3.9707% | 1,708 |
| Noninterest income to average assets | 1.1527% | 829 |
| Noninterest expense to average assets | 2.8707% | 2,809 |
| Loan and lease loss provision to assets | 0.3663% | 402 |
| Net operating income to assets | 1.6155% | 682 |
| Return on assets (ROA) | 1.6179% | 720 |
| Pretax return on assets | 1.6179% | 1,253 |
| Return on Equity (ROE) | 13.1834% | 997 |
| Retained earnings to average equity (ytd only) | 1.9800% | 4,461 |
| Net charge-offs to loans | 0.0056% | 2,920 |
| Credit loss provision to net charge-offs | 15,000.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 811.5000% | 57 |
| Efficiency ratio | 59.1595% | 4,855 |
| Assets per employee ($millions) | 3.1598% | 5,333 |
| Cash dividends to net income (ytd only)* | 84.9811% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 1,574 |
| Loan loss allowance to noncurrent loans | 1,641.0072% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0834% | 5,246 |
| Noncurrent loans to loans | 0.0982% | 5,078 |
| Net loans and leases to total assets | 42.3749% | 5,330 |
| Net loans and leases to deposits | 48.5042% | 5,404 |
| Net loans and leases to core deposits | 49.2945% | 5,468 |
| Total domestic deposits to total assets | 87.3634% | 2,022 |
| Equity capital to assets | 12.4184% | 1,732 |
| Core capital (leverage) ratio | 11.7433% | 1,799 |
| Tier 1 risk-based capital ratio | 20.6655% | 1,370 |
| Total risk-based capital ratio | 21.9157% | 1,347 |
| Memoranda: | ||
| Average total assets | $327,585,000 | 2,039 |
| Average earning assets | $305,235,500 | 2,023 |
| Average equity | $40,202,000 | 1,836 |
| Average total loans | $141,921,000 | 2,749 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1289% | 2,818 |
| Cost of funding earning assets | 0.1129% | 5,913 |
| Net interest margin | 4.0159% | 1,666 |
| Noninterest income to average assets | 0.7144% | 2,132 |
| Noninterest expense to average assets | 2.8341% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6078% | 694 |
| Return on assets (ROA) | 1.6573% | 643 |
| Pretax return on assets | 1.6573% | 1,089 |
| Return on Equity (ROE) | 13.8417% | 871 |
| Retained earnings to average equity (ytd only) | 2.9219% | 3,977 |
| Net charge-offs to loans | 0.0875% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 42.8689% | 1,111 |
| Efficiency ratio | 63.8037% | 4,312 |
| Assets per employee ($millions) | 3.1100% | 5,402 |
| Cash dividends to net income (ytd only)* | 78.8907% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,453 |
| Loan loss allowance to noncurrent loans | 295.5291% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 4,605 |
| Noncurrent loans to loans | 0.4715% | 3,781 |
| Net loans and leases to total assets | 42.9722% | 5,349 |
| Net loans and leases to deposits | 49.0098% | 5,439 |
| Net loans and leases to core deposits | 49.9157% | 5,502 |
| Total domestic deposits to total assets | 87.6808% | 1,804 |
| Equity capital to assets | 12.1251% | 1,865 |
| Core capital (leverage) ratio | 11.8914% | 1,689 |
| Tier 1 risk-based capital ratio | 20.5123% | 1,383 |
| Total risk-based capital ratio | 21.6303% | 1,390 |
| Memoranda: | ||
| Average total assets | $325,290,800 | 2,018 |
| Average earning assets | $301,922,600 | 2,006 |
| Average equity | $38,947,600 | 1,849 |
| Average total loans | $139,464,200 | 2,729 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 2,796 |
| Cost of funding earning assets | 0.1134% | 6,007 |
| Net interest margin | 4.0220% | 1,633 |
| Noninterest income to average assets | 0.6831% | 2,313 |
| Noninterest expense to average assets | 2.8514% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.5582% | 834 |
| Return on assets (ROA) | 1.6243% | 758 |
| Pretax return on assets | 1.6243% | 1,314 |
| Return on Equity (ROE) | 13.6094% | 981 |
| Retained earnings to average equity (ytd only) | 2.9185% | 4,371 |
| Net charge-offs to loans | 0.0231% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 158.2459% | 441 |
| Efficiency ratio | 64.6632% | 4,121 |
| Assets per employee ($millions) | 3.1519% | 5,361 |
| Cash dividends to net income (ytd only)* | 78.5552% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 2,253 |
| Loan loss allowance to noncurrent loans | 1,293.1677% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 5,438 |
| Noncurrent loans to loans | 0.1142% | 5,174 |
| Net loans and leases to total assets | 43.2045% | 5,407 |
| Net loans and leases to deposits | 49.3821% | 5,496 |
| Net loans and leases to core deposits | 50.3798% | 5,565 |
| Total domestic deposits to total assets | 87.4902% | 1,807 |
| Equity capital to assets | 12.1708% | 1,985 |
| Core capital (leverage) ratio | 11.7530% | 1,853 |
| Tier 1 risk-based capital ratio | 19.9711% | 1,557 |
| Total risk-based capital ratio | 21.1206% | 1,545 |
| Memoranda: | ||
| Average total assets | $324,977,000 | 2,035 |
| Average earning assets | $301,101,750 | 2,029 |
| Average equity | $38,786,000 | 1,873 |
| Average total loans | $138,753,500 | 2,759 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,026 |
| Cost of funding earning assets | 0.1137% | 6,073 |
| Net interest margin | 3.9519% | 1,799 |
| Noninterest income to average assets | 0.6697% | 2,361 |
| Noninterest expense to average assets | 2.7915% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5435% | 835 |
| Return on assets (ROA) | 1.5435% | 868 |
| Pretax return on assets | 1.5435% | 1,512 |
| Return on Equity (ROE) | 13.0172% | 1,111 |
| Retained earnings to average equity (ytd only) | 2.1152% | 4,652 |
| Net charge-offs to loans | 0.0058% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 629.2500% | 102 |
| Efficiency ratio | 64.3938% | 4,290 |
| Assets per employee ($millions) | 3.0579% | 5,516 |
| Cash dividends to net income (ytd only)* | 83.7505% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 2,208 |
| Loan loss allowance to noncurrent loans | 265.4040% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 4,777 |
| Noncurrent loans to loans | 0.5728% | 3,732 |
| Net loans and leases to total assets | 42.0084% | 5,507 |
| Net loans and leases to deposits | 47.6947% | 5,607 |
| Net loans and leases to core deposits | 48.6333% | 5,672 |
| Total domestic deposits to total assets | 88.0777% | 1,610 |
| Equity capital to assets | 11.6706% | 2,269 |
| Core capital (leverage) ratio | 11.4308% | 2,049 |
| Tier 1 risk-based capital ratio | 20.9472% | 1,376 |
| Total risk-based capital ratio | 22.1782% | 1,348 |
| Memoranda: | ||
| Average total assets | $326,138,670 | 2,041 |
| Average earning assets | $302,484,000 | 2,034 |
| Average equity | $38,672,000 | 1,884 |
| Average total loans | $138,011,000 | 2,774 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 3,151 |
| Cost of funding earning assets | 0.1156% | 6,134 |
| Net interest margin | 3.9068% | 1,872 |
| Noninterest income to average assets | 0.6823% | 2,244 |
| Noninterest expense to average assets | 2.8294% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4905% | 864 |
| Return on assets (ROA) | 1.4905% | 922 |
| Pretax return on assets | 1.4905% | 1,597 |
| Return on Equity (ROE) | 12.4727% | 1,225 |
| Retained earnings to average equity (ytd only) | 0.4093% | 5,242 |
| Net charge-offs to loans | 0.0145% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 243.8000% | 232 |
| Efficiency ratio | 65.4967% | 4,241 |
| Assets per employee ($millions) | 3.0863% | 5,562 |
| Cash dividends to net income (ytd only)* | 96.7186% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 2,302 |
| Loan loss allowance to noncurrent loans | 286.6303% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 4,929 |
| Noncurrent loans to loans | 0.5352% | 3,972 |
| Net loans and leases to total assets | 41.2244% | 5,532 |
| Net loans and leases to deposits | 46.9838% | 5,624 |
| Net loans and leases to core deposits | 47.8885% | 5,675 |
| Total domestic deposits to total assets | 87.7417% | 1,962 |
| Equity capital to assets | 12.0061% | 2,023 |
| Core capital (leverage) ratio | 11.4495% | 2,039 |
| Tier 1 risk-based capital ratio | 21.0645% | 1,409 |
| Total risk-based capital ratio | 22.3142% | 1,385 |
| Memoranda: | ||
| Average total assets | $327,138,000 | 2,037 |
| Average earning assets | $304,599,000 | 2,023 |
| Average equity | $39,093,500 | 1,867 |
| Average total loans | $137,882,500 | 2,777 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,884 |
| Cost of funding earning assets | 0.1317% | 6,189 |
| Net interest margin | 4.0882% | 1,615 |
| Noninterest income to average assets | 0.7113% | 2,247 |
| Noninterest expense to average assets | 2.9722% | 2,923 |
| Loan and lease loss provision to assets | -0.0630% | 6,073 |
| Net operating income to assets | 1.5954% | 709 |
| Return on assets (ROA) | 1.5995% | 739 |
| Pretax return on assets | 1.5995% | 1,237 |
| Return on Equity (ROE) | 14.3280% | 875 |
| Retained earnings to average equity (ytd only) | 4.5015% | 2,971 |
| Net charge-offs to loans | -0.1324% | 6,183 |
| Credit loss provision to net charge-offs | 111.7318% | 2,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9817% | 4,256 |
| Assets per employee ($millions) | 3.0861% | 5,580 |
| Cash dividends to net income (ytd only)* | 68.5827% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5173% | 2,397 |
| Loan loss allowance to noncurrent loans | 229.6619% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 4,801 |
| Noncurrent loans to loans | 0.6607% | 3,698 |
| Net loans and leases to total assets | 41.7859% | 5,635 |
| Net loans and leases to deposits | 47.5219% | 5,712 |
| Net loans and leases to core deposits | 48.5883% | 5,781 |
| Total domestic deposits to total assets | 87.9297% | 1,814 |
| Equity capital to assets | 11.8942% | 2,092 |
| Core capital (leverage) ratio | 11.7076% | 1,823 |
| Tier 1 risk-based capital ratio | 20.2655% | 1,543 |
| Total risk-based capital ratio | 21.4718% | 1,525 |
| Memoranda: | ||
| Average total assets | $317,608,000 | 2,046 |
| Average earning assets | $294,704,000 | 2,037 |
| Average equity | $35,455,000 | 1,975 |
| Average total loans | $135,168,800 | 2,774 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 2,779 |
| Cost of funding earning assets | 0.1332% | 6,276 |
| Net interest margin | 4.1268% | 1,496 |
| Noninterest income to average assets | 0.7275% | 2,197 |
| Noninterest expense to average assets | 3.0271% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5256% | 889 |
| Return on assets (ROA) | 1.5303% | 914 |
| Pretax return on assets | 1.5303% | 1,541 |
| Return on Equity (ROE) | 13.9453% | 996 |
| Retained earnings to average equity (ytd only) | 4.1628% | 3,690 |
| Net charge-offs to loans | 0.0109% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 327.8262% | 219 |
| Efficiency ratio | 66.4902% | 4,136 |
| Assets per employee ($millions) | 2.9132% | 5,831 |
| Cash dividends to net income (ytd only)* | 70.1493% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 2,593 |
| Loan loss allowance to noncurrent loans | 220.8768% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,918 |
| Noncurrent loans to loans | 0.6907% | 3,883 |
| Net loans and leases to total assets | 44.2275% | 5,507 |
| Net loans and leases to deposits | 50.3764% | 5,627 |
| Net loans and leases to core deposits | 51.6237% | 5,710 |
| Total domestic deposits to total assets | 87.7940% | 1,869 |
| Equity capital to assets | 11.8977% | 2,156 |
| Core capital (leverage) ratio | 11.7814% | 1,846 |
| Tier 1 risk-based capital ratio | 21.1389% | 1,426 |
| Total risk-based capital ratio | 22.3895% | 1,402 |
| Memoranda: | ||
| Average total assets | $315,228,750 | 2,078 |
| Average earning assets | $292,197,000 | 2,064 |
| Average equity | $34,591,500 | 2,025 |
| Average total loans | $134,261,500 | 2,802 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2159% | 2,894 |
| Cost of funding earning assets | 0.1367% | 6,328 |
| Net interest margin | 4.0792% | 1,577 |
| Noninterest income to average assets | 0.7253% | 2,163 |
| Noninterest expense to average assets | 3.0059% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4998% | 870 |
| Return on assets (ROA) | 1.5036% | 897 |
| Pretax return on assets | 1.5036% | 1,527 |
| Return on Equity (ROE) | 14.0869% | 938 |
| Retained earnings to average equity (ytd only) | 4.3985% | 3,378 |
| Net charge-offs to loans | 0.0045% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 793.3333% | 84 |
| Efficiency ratio | 66.7133% | 4,243 |
| Assets per employee ($millions) | 2.8760% | 5,920 |
| Cash dividends to net income (ytd only)* | 68.7762% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 2,589 |
| Loan loss allowance to noncurrent loans | 272.6573% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 5,255 |
| Noncurrent loans to loans | 0.5750% | 4,297 |
| Net loans and leases to total assets | 42.5397% | 5,642 |
| Net loans and leases to deposits | 48.2133% | 5,762 |
| Net loans and leases to core deposits | 49.3173% | 5,833 |
| Total domestic deposits to total assets | 88.2325% | 1,767 |
| Equity capital to assets | 11.5551% | 2,370 |
| Core capital (leverage) ratio | 11.5723% | 1,945 |
| Tier 1 risk-based capital ratio | 21.2483% | 1,401 |
| Total risk-based capital ratio | 22.4988% | 1,371 |
| Memoranda: | ||
| Average total assets | $317,372,000 | 2,061 |
| Average earning assets | $294,128,000 | 2,044 |
| Average equity | $33,875,330 | 2,045 |
| Average total loans | $132,785,330 | 2,821 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 3,008 |
| Cost of funding earning assets | 0.1403% | 6,399 |
| Net interest margin | 4.0249% | 1,668 |
| Noninterest income to average assets | 0.7190% | 2,088 |
| Noninterest expense to average assets | 2.9601% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4969% | 824 |
| Return on assets (ROA) | 1.4969% | 851 |
| Pretax return on assets | 1.4969% | 1,435 |
| Return on Equity (ROE) | 14.6171% | 839 |
| Retained earnings to average equity (ytd only) | 5.5043% | 2,784 |
| Net charge-offs to loans | 0.0152% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 208 |
| Efficiency ratio | 66.4137% | 4,461 |
| Assets per employee ($millions) | 2.8648% | 6,027 |
| Cash dividends to net income (ytd only)* | 62.3431% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 2,670 |
| Loan loss allowance to noncurrent loans | 931.1404% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 5,947 |
| Noncurrent loans to loans | 0.1725% | 5,572 |
| Net loans and leases to total assets | 40.8866% | 5,754 |
| Net loans and leases to deposits | 45.8469% | 5,861 |
| Net loans and leases to core deposits | 46.8399% | 5,944 |
| Total domestic deposits to total assets | 89.1808% | 1,546 |
| Equity capital to assets | 10.5762% | 3,168 |
| Core capital (leverage) ratio | 11.3607% | 2,083 |
| Tier 1 risk-based capital ratio | 21.0139% | 1,471 |
| Total risk-based capital ratio | 22.2642% | 1,450 |
| Memoranda: | ||
| Average total assets | $319,317,500 | 2,044 |
| Average earning assets | $296,557,500 | 2,034 |
| Average equity | $32,701,500 | 2,106 |
| Average total loans | $131,439,000 | 2,855 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 4,126 |
| Cost of funding earning assets | 0.1727% | 6,427 |
| Net interest margin | 3.8157% | 2,597 |
| Noninterest income to average assets | 1.1129% | 1,133 |
| Noninterest expense to average assets | 2.9437% | 3,219 |
| Loan and lease loss provision to assets | 0.2221% | 1,641 |
| Net operating income to assets | 1.5186% | 786 |
| Return on assets (ROA) | 1.5951% | 716 |
| Pretax return on assets | 1.5951% | 1,181 |
| Return on Equity (ROE) | 14.8702% | 789 |
| Retained earnings to average equity (ytd only) | 3.7614% | 3,533 |
| Net charge-offs to loans | 0.1884% | 2,953 |
| Credit loss provision to net charge-offs | 309.0129% | 740 |
| Earnings coverage of net charge-offs (x) | 24.2189% | 1,373 |
| Efficiency ratio | 62.8408% | 5,080 |
| Assets per employee ($millions) | 2.8127% | 6,089 |
| Cash dividends to net income (ytd only)* | 74.7051% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 2,658 |
| Loan loss allowance to noncurrent loans | 2,311.9565% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 6,188 |
| Noncurrent loans to loans | 0.0704% | 6,007 |
| Net loans and leases to total assets | 40.1106% | 5,953 |
| Net loans and leases to deposits | 44.6036% | 6,091 |
| Net loans and leases to core deposits | 46.0772% | 6,134 |
| Total domestic deposits to total assets | 89.9269% | 1,113 |
| Equity capital to assets | 9.9087% | 3,889 |
| Core capital (leverage) ratio | 11.1355% | 2,251 |
| Tier 1 risk-based capital ratio | 20.7267% | 1,483 |
| Total risk-based capital ratio | 21.9774% | 1,455 |
| Memoranda: | ||
| Average total assets | $324,186,600 | 1,983 |
| Average earning assets | $303,429,400 | 1,953 |
| Average equity | $34,774,200 | 1,982 |
| Average total loans | $123,646,600 | 2,964 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 4,395 |
| Cost of funding earning assets | 0.1777% | 6,514 |
| Net interest margin | 3.7503% | 2,846 |
| Noninterest income to average assets | 1.2526% | 934 |
| Noninterest expense to average assets | 2.9539% | 3,132 |
| Loan and lease loss provision to assets | 0.2215% | 1,643 |
| Net operating income to assets | 1.5918% | 760 |
| Return on assets (ROA) | 1.6923% | 660 |
| Pretax return on assets | 1.6923% | 1,111 |
| Return on Equity (ROE) | 15.4855% | 717 |
| Retained earnings to average equity (ytd only) | 4.3499% | 3,583 |
| Net charge-offs to loans | 0.0569% | 4,088 |
| Credit loss provision to net charge-offs | 1,038.4615% | 298 |
| Earnings coverage of net charge-offs (x) | 85.0212% | 561 |
| Efficiency ratio | 61.9633% | 5,144 |
| Assets per employee ($millions) | 2.8644% | 6,057 |
| Cash dividends to net income (ytd only)* | 71.9098% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6585% | 2,769 |
| Loan loss allowance to noncurrent loans | 773.4545% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 6,088 |
| Noncurrent loans to loans | 0.2144% | 5,700 |
| Net loans and leases to total assets | 40.0283% | 6,029 |
| Net loans and leases to deposits | 44.6809% | 6,176 |
| Net loans and leases to core deposits | 46.3837% | 6,198 |
| Total domestic deposits to total assets | 89.5872% | 1,233 |
| Equity capital to assets | 10.0844% | 3,787 |
| Core capital (leverage) ratio | 11.0526% | 2,430 |
| Tier 1 risk-based capital ratio | 20.8106% | 1,530 |
| Total risk-based capital ratio | 22.0616% | 1,504 |
| Memoranda: | ||
| Average total assets | $325,071,750 | 1,994 |
| Average earning assets | $304,646,000 | 1,955 |
| Average equity | $35,524,750 | 1,954 |
| Average total loans | $121,873,250 | 3,024 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 4,670 |
| Cost of funding earning assets | 0.1846% | 6,548 |
| Net interest margin | 3.6600% | 3,136 |
| Noninterest income to average assets | 1.4086% | 794 |
| Noninterest expense to average assets | 2.8824% | 3,391 |
| Loan and lease loss provision to assets | 0.3289% | 1,049 |
| Net operating income to assets | 1.6382% | 694 |
| Return on assets (ROA) | 1.7874% | 572 |
| Pretax return on assets | 1.7874% | 953 |
| Return on Equity (ROE) | 15.9619% | 676 |
| Retained earnings to average equity (ytd only) | 5.9225% | 2,483 |
| Net charge-offs to loans | 0.1052% | 3,306 |
| Credit loss provision to net charge-offs | 857.1429% | 353 |
| Earnings coverage of net charge-offs (x) | 51.2698% | 791 |
| Efficiency ratio | 59.4374% | 5,551 |
| Assets per employee ($millions) | 2.8989% | 6,022 |
| Cash dividends to net income (ytd only)* | 62.8961% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 2,767 |
| Loan loss allowance to noncurrent loans | 916.8831% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 5,977 |
| Noncurrent loans to loans | 0.1859% | 5,851 |
| Net loans and leases to total assets | 37.6289% | 6,200 |
| Net loans and leases to deposits | 42.1308% | 6,321 |
| Net loans and leases to core deposits | 44.2309% | 6,325 |
| Total domestic deposits to total assets | 89.3145% | 1,438 |
| Equity capital to assets | 10.4243% | 3,395 |
| Core capital (leverage) ratio | 10.7048% | 2,664 |
| Tier 1 risk-based capital ratio | 20.8448% | 1,528 |
| Total risk-based capital ratio | 22.0957% | 1,498 |
| Memoranda: | ||
| Average total assets | $328,401,670 | 1,981 |
| Average earning assets | $308,745,330 | 1,939 |
| Average equity | $36,775,000 | 1,899 |
| Average total loans | $119,748,000 | 3,073 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 5,088 |
| Cost of funding earning assets | 0.1937% | 6,609 |
| Net interest margin | 3.5277% | 3,586 |
| Noninterest income to average assets | 0.8672% | 1,879 |
| Noninterest expense to average assets | 2.8050% | 3,681 |
| Loan and lease loss provision to assets | 0.0363% | 3,984 |
| Net operating income to assets | 1.3565% | 1,138 |
| Return on assets (ROA) | 1.6532% | 709 |
| Pretax return on assets | 1.6532% | 1,183 |
| Return on Equity (ROE) | 14.2782% | 905 |
| Retained earnings to average equity (ytd only) | 6.1088% | 2,620 |
| Net charge-offs to loans | -0.0272% | 5,858 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8205% | 4,516 |
| Assets per employee ($millions) | 2.9273% | 6,110 |
| Cash dividends to net income (ytd only)* | 57.2161% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 4,162 |
| Loan loss allowance to noncurrent loans | 759.2760% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 5,720 |
| Noncurrent loans to loans | 0.1864% | 5,938 |
| Net loans and leases to total assets | 35.3443% | 6,346 |
| Net loans and leases to deposits | 40.0464% | 6,412 |
| Net loans and leases to core deposits | 42.2477% | 6,395 |
| Total domestic deposits to total assets | 88.2584% | 2,156 |
| Equity capital to assets | 11.5073% | 2,404 |
| Core capital (leverage) ratio | 10.5067% | 2,766 |
| Tier 1 risk-based capital ratio | 20.8536% | 1,571 |
| Total risk-based capital ratio | 21.9208% | 1,587 |
| Memoranda: | ||
| Average total assets | $330,266,000 | 1,991 |
| Average earning assets | $311,816,000 | 1,945 |
| Average equity | $38,240,000 | 1,856 |
| Average total loans | $117,477,500 | 3,136 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9770% | 5,381 |
| Cost of funding earning assets | 0.2260% | 6,765 |
| Net interest margin | 3.7510% | 3,431 |
| Noninterest income to average assets | 0.8555% | 2,013 |
| Noninterest expense to average assets | 2.9504% | 3,465 |
| Loan and lease loss provision to assets | 0.0191% | 5,666 |
| Net operating income to assets | 1.4181% | 1,063 |
| Return on assets (ROA) | 1.5875% | 852 |
| Pretax return on assets | 1.5875% | 1,420 |
| Return on Equity (ROE) | 12.9615% | 1,233 |
| Retained earnings to average equity (ytd only) | 2.3057% | 4,614 |
| Net charge-offs to loans | 0.2774% | 3,275 |
| Credit loss provision to net charge-offs | 19.6721% | 5,291 |
| Earnings coverage of net charge-offs (x) | 14.7672% | 1,711 |
| Efficiency ratio | 67.2436% | 4,284 |
| Assets per employee ($millions) | 2.9442% | 6,091 |
| Cash dividends to net income (ytd only)* | 82.2111% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 4,132 |
| Loan loss allowance to noncurrent loans | 748.4018% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 5,835 |
| Noncurrent loans to loans | 0.1882% | 6,000 |
| Net loans and leases to total assets | 34.7916% | 6,504 |
| Net loans and leases to deposits | 39.4753% | 6,574 |
| Net loans and leases to core deposits | 41.6917% | 6,558 |
| Total domestic deposits to total assets | 88.1350% | 2,141 |
| Equity capital to assets | 11.6500% | 2,303 |
| Core capital (leverage) ratio | 10.6326% | 2,618 |
| Tier 1 risk-based capital ratio | 21.2518% | 1,408 |
| Total risk-based capital ratio | 22.3337% | 1,415 |
| Memoranda: | ||
| Average total assets | $313,384,800 | 2,046 |
| Average earning assets | $295,094,000 | 2,000 |
| Average equity | $38,382,800 | 1,810 |
| Average total loans | $109,949,600 | 3,296 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 5,359 |
| Cost of funding earning assets | 0.2353% | 6,863 |
| Net interest margin | 3.8158% | 3,263 |
| Noninterest income to average assets | 0.8820% | 1,901 |
| Noninterest expense to average assets | 2.9779% | 3,312 |
| Loan and lease loss provision to assets | 0.0129% | 5,653 |
| Net operating income to assets | 1.4851% | 1,047 |
| Return on assets (ROA) | 1.6666% | 819 |
| Pretax return on assets | 1.6666% | 1,370 |
| Return on Equity (ROE) | 13.4322% | 1,243 |
| Retained earnings to average equity (ytd only) | 2.5155% | 5,065 |
| Net charge-offs to loans | 0.3692% | 2,622 |
| Credit loss provision to net charge-offs | 10.0000% | 5,078 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 2,068 |
| Efficiency ratio | 66.5318% | 4,347 |
| Assets per employee ($millions) | 2.8213% | 6,334 |
| Cash dividends to net income (ytd only)* | 81.2726% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 4,063 |
| Loan loss allowance to noncurrent loans | 529.1803% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,802 |
| Noncurrent loans to loans | 0.2779% | 5,934 |
| Net loans and leases to total assets | 34.8466% | 6,621 |
| Net loans and leases to deposits | 40.0372% | 6,673 |
| Net loans and leases to core deposits | 42.6079% | 6,648 |
| Total domestic deposits to total assets | 87.0355% | 2,649 |
| Equity capital to assets | 12.6635% | 1,788 |
| Core capital (leverage) ratio | 10.9748% | 2,412 |
| Tier 1 risk-based capital ratio | 22.2102% | 1,294 |
| Total risk-based capital ratio | 23.3293% | 1,298 |
| Memoranda: | ||
| Average total assets | $309,293,000 | 2,105 |
| Average earning assets | $291,306,750 | 2,050 |
| Average equity | $38,374,500 | 1,827 |
| Average total loans | $108,345,750 | 3,358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0529% | 5,476 |
| Cost of funding earning assets | 0.2463% | 6,926 |
| Net interest margin | 3.8066% | 3,325 |
| Noninterest income to average assets | 0.8733% | 1,881 |
| Noninterest expense to average assets | 2.9384% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5168% | 964 |
| Return on assets (ROA) | 1.6819% | 781 |
| Pretax return on assets | 1.6819% | 1,310 |
| Return on Equity (ROE) | 13.6500% | 1,197 |
| Retained earnings to average equity (ytd only) | 2.2172% | 5,081 |
| Net charge-offs to loans | 0.5414% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.0240% | 2,374 |
| Efficiency ratio | 65.9547% | 4,543 |
| Assets per employee ($millions) | 2.8073% | 6,393 |
| Cash dividends to net income (ytd only)* | 83.7567% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 4,154 |
| Loan loss allowance to noncurrent loans | 3,537.7778% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 6,024 |
| Noncurrent loans to loans | 0.0416% | 6,571 |
| Net loans and leases to total assets | 34.5202% | 6,698 |
| Net loans and leases to deposits | 39.6008% | 6,747 |
| Net loans and leases to core deposits | 42.2159% | 6,726 |
| Total domestic deposits to total assets | 87.1703% | 2,673 |
| Equity capital to assets | 12.5696% | 1,772 |
| Core capital (leverage) ratio | 10.9843% | 2,311 |
| Tier 1 risk-based capital ratio | 22.3154% | 1,231 |
| Total risk-based capital ratio | 23.4352% | 1,234 |
| Memoranda: | ||
| Average total assets | $308,944,000 | 2,106 |
| Average earning assets | $290,703,000 | 2,047 |
| Average equity | $38,066,000 | 1,837 |
| Average total loans | $107,875,330 | 3,383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 5,611 |
| Cost of funding earning assets | 0.2669% | 6,958 |
| Net interest margin | 3.7811% | 3,478 |
| Noninterest income to average assets | 0.8880% | 1,801 |
| Noninterest expense to average assets | 2.9319% | 3,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5132% | 998 |
| Return on assets (ROA) | 1.6905% | 818 |
| Pretax return on assets | 1.6905% | 1,324 |
| Return on Equity (ROE) | 13.8601% | 1,213 |
| Retained earnings to average equity (ytd only) | 1.4221% | 5,524 |
| Net charge-offs to loans | 0.0854% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 50.8261% | 629 |
| Efficiency ratio | 65.9581% | 4,560 |
| Assets per employee ($millions) | 2.7586% | 6,565 |
| Cash dividends to net income (ytd only)* | 89.7397% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 3,104 |
| Loan loss allowance to noncurrent loans | 178.5988% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 5,901 |
| Noncurrent loans to loans | 0.9887% | 4,695 |
| Net loans and leases to total assets | 33.5091% | 6,763 |
| Net loans and leases to deposits | 38.2606% | 6,809 |
| Net loans and leases to core deposits | 41.6642% | 6,764 |
| Total domestic deposits to total assets | 87.5813% | 2,602 |
| Equity capital to assets | 12.1666% | 1,934 |
| Core capital (leverage) ratio | 10.8696% | 2,364 |
| Tier 1 risk-based capital ratio | 22.5781% | 1,193 |
| Total risk-based capital ratio | 23.8291% | 1,173 |
| Memoranda: | ||
| Average total assets | $309,012,000 | 2,104 |
| Average earning assets | $290,708,500 | 2,058 |
| Average equity | $37,691,000 | 1,848 |
| Average total loans | $107,716,500 | 3,417 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2820% | 5,815 |
| Cost of funding earning assets | 0.3422% | 7,030 |
| Net interest margin | 3.9398% | 3,157 |
| Noninterest income to average assets | 0.7899% | 2,122 |
| Noninterest expense to average assets | 3.3118% | 2,486 |
| Loan and lease loss provision to assets | 0.0091% | 6,423 |
| Net operating income to assets | 1.1429% | 1,686 |
| Return on assets (ROA) | 1.2207% | 1,565 |
| Pretax return on assets | 1.2207% | 2,384 |
| Return on Equity (ROE) | 10.5078% | 1,872 |
| Retained earnings to average equity (ytd only) | 3.0439% | 4,063 |
| Net charge-offs to loans | -0.1472% | 7,183 |
| Credit loss provision to net charge-offs | -17.2840% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1921% | 3,199 |
| Assets per employee ($millions) | 3.6793% | 4,595 |
| Cash dividends to net income (ytd only)* | 71.0323% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7121% | 3,158 |
| Loan loss allowance to noncurrent loans | 168.3646% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4125% | 5,940 |
| Noncurrent loans to loans | 1.0169% | 4,673 |
| Net loans and leases to total assets | 34.9955% | 6,817 |
| Net loans and leases to deposits | 40.0154% | 6,883 |
| Net loans and leases to core deposits | 43.4605% | 6,836 |
| Total domestic deposits to total assets | 87.4550% | 2,494 |
| Equity capital to assets | 12.2279% | 1,952 |
| Core capital (leverage) ratio | 10.9893% | 2,275 |
| Tier 1 risk-based capital ratio | 21.3558% | 1,342 |
| Total risk-based capital ratio | 22.6119% | 1,318 |
| Memoranda: | ||
| Average total assets | $307,112,600 | 2,081 |
| Average earning assets | $286,382,400 | 2,048 |
| Average equity | $35,678,200 | 1,898 |
| Average total loans | $110,063,200 | 3,382 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 5,874 |
| Cost of funding earning assets | 0.3562% | 7,111 |
| Net interest margin | 3.9682% | 3,057 |
| Noninterest income to average assets | 0.8018% | 2,051 |
| Noninterest expense to average assets | 3.3808% | 2,246 |
| Loan and lease loss provision to assets | 0.0122% | 6,282 |
| Net operating income to assets | 1.1045% | 1,948 |
| Return on assets (ROA) | 1.2067% | 1,742 |
| Pretax return on assets | 1.2067% | 2,605 |
| Return on Equity (ROE) | 10.5261% | 2,016 |
| Retained earnings to average equity (ytd only) | 3.8311% | 3,997 |
| Net charge-offs to loans | -0.2314% | 7,276 |
| Credit loss provision to net charge-offs | -14.6597% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1716% | 2,979 |
| Assets per employee ($millions) | 3.4793% | 5,052 |
| Cash dividends to net income (ytd only)* | 63.6034% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7471% | 3,115 |
| Loan loss allowance to noncurrent loans | 168.2498% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 5,948 |
| Noncurrent loans to loans | 1.0384% | 4,820 |
| Net loans and leases to total assets | 36.3776% | 6,849 |
| Net loans and leases to deposits | 42.0422% | 6,909 |
| Net loans and leases to core deposits | 45.3017% | 6,876 |
| Total domestic deposits to total assets | 86.5263% | 2,918 |
| Equity capital to assets | 12.9316% | 1,649 |
| Core capital (leverage) ratio | 11.2230% | 2,213 |
| Tier 1 risk-based capital ratio | 22.1846% | 1,258 |
| Total risk-based capital ratio | 23.4356% | 1,236 |
| Memoranda: | ||
| Average total assets | $306,625,000 | 2,091 |
| Average earning assets | $285,565,250 | 2,061 |
| Average equity | $35,149,750 | 1,922 |
| Average total loans | $110,068,500 | 3,406 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 6,412 |
| Cost of funding earning assets | 0.3506% | 7,223 |
| Net interest margin | 3.7846% | 3,868 |
| Noninterest income to average assets | 0.7356% | 2,347 |
| Noninterest expense to average assets | 3.1421% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1167% | 1,823 |
| Return on assets (ROA) | 1.1160% | 1,912 |
| Pretax return on assets | 1.1160% | 2,786 |
| Return on Equity (ROE) | 10.3074% | 2,012 |
| Retained earnings to average equity (ytd only) | 0.7734% | 5,549 |
| Net charge-offs to loans | -0.6935% | 7,425 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7780% | 3,399 |
| Assets per employee ($millions) | 3.5366% | 4,838 |
| Cash dividends to net income (ytd only)* | 92.4965% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 3,102 |
| Loan loss allowance to noncurrent loans | 427.0115% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 6,427 |
| Noncurrent loans to loans | 0.4134% | 6,075 |
| Net loans and leases to total assets | 33.3997% | 7,065 |
| Net loans and leases to deposits | 38.1065% | 7,118 |
| Net loans and leases to core deposits | 41.2145% | 7,093 |
| Total domestic deposits to total assets | 87.6483% | 2,370 |
| Equity capital to assets | 11.7106% | 2,321 |
| Core capital (leverage) ratio | 10.6298% | 2,587 |
| Tier 1 risk-based capital ratio | 21.2208% | 1,379 |
| Total risk-based capital ratio | 22.4714% | 1,357 |
| Memoranda: | ||
| Average total assets | $255,565,330 | 2,489 |
| Average earning assets | $237,911,670 | 2,444 |
| Average equity | $27,669,330 | 2,340 |
| Average total loans | $81,906,330 | 4,158 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 6,691 |
| Cost of funding earning assets | 0.3694% | 7,286 |
| Net interest margin | 3.6374% | 4,384 |
| Noninterest income to average assets | 0.7212% | 2,442 |
| Noninterest expense to average assets | 2.9850% | 3,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1049% | 1,827 |
| Return on assets (ROA) | 1.1049% | 1,875 |
| Pretax return on assets | 1.1049% | 2,738 |
| Return on Equity (ROE) | 10.6189% | 1,867 |
| Retained earnings to average equity (ytd only) | -1.2885% | 6,044 |
| Net charge-offs to loans | 0.1832% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 19.3784% | 1,143 |
| Efficiency ratio | 72.9842% | 3,689 |
| Assets per employee ($millions) | 3.3723% | 5,314 |
| Cash dividends to net income (ytd only)* | 112.1339% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 4,438 |
| Loan loss allowance to noncurrent loans | 157.0081% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 6,208 |
| Noncurrent loans to loans | 0.9233% | 5,187 |
| Net loans and leases to total assets | 32.1729% | 7,162 |
| Net loans and leases to deposits | 36.3966% | 7,215 |
| Net loans and leases to core deposits | 39.5750% | 7,178 |
| Total domestic deposits to total assets | 88.3954% | 2,144 |
| Equity capital to assets | 11.0749% | 2,617 |
| Core capital (leverage) ratio | 10.0731% | 3,068 |
| Tier 1 risk-based capital ratio | 20.5267% | 1,469 |
| Total risk-based capital ratio | 21.5224% | 1,499 |
| Memoranda: | ||
| Average total assets | $259,567,000 | 2,478 |
| Average earning assets | $240,390,500 | 2,446 |
| Average equity | $27,008,500 | 2,375 |
| Average total loans | $80,774,000 | 4,227 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3775% | 6,656 |
| Cost of funding earning assets | 0.5090% | 7,288 |
| Net interest margin | 3.8684% | 3,648 |
| Noninterest income to average assets | 0.7944% | 2,315 |
| Noninterest expense to average assets | 2.8891% | 4,278 |
| Loan and lease loss provision to assets | 0.0374% | 6,789 |
| Net operating income to assets | 1.4842% | 794 |
| Return on assets (ROA) | 1.7853% | 469 |
| Pretax return on assets | 1.7853% | 788 |
| Return on Equity (ROE) | 16.6420% | 511 |
| Retained earnings to average equity (ytd only) | 3.9785% | 3,079 |
| Net charge-offs to loans | 0.2051% | 5,055 |
| Credit loss provision to net charge-offs | 57.5581% | 6,124 |
| Earnings coverage of net charge-offs (x) | 23.4419% | 899 |
| Efficiency ratio | 65.5031% | 5,068 |
| Assets per employee ($millions) | 3.7391% | 4,386 |
| Cash dividends to net income (ytd only)* | 76.0938% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 4,119 |
| Loan loss allowance to noncurrent loans | 189.8894% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3195% | 6,448 |
| Noncurrent loans to loans | 0.7797% | 5,482 |
| Net loans and leases to total assets | 29.3008% | 7,370 |
| Net loans and leases to deposits | 32.6722% | 7,418 |
| Net loans and leases to core deposits | 35.9421% | 7,389 |
| Total domestic deposits to total assets | 89.6811% | 1,282 |
| Equity capital to assets | 9.8012% | 3,997 |
| Core capital (leverage) ratio | 9.4541% | 3,758 |
| Tier 1 risk-based capital ratio | 21.6410% | 1,226 |
| Total risk-based capital ratio | 22.7182% | 1,231 |
| Memoranda: | ||
| Average total assets | $264,992,400 | 2,401 |
| Average earning assets | $247,723,600 | 2,356 |
| Average equity | $28,428,000 | 2,292 |
| Average total loans | $83,877,600 | 4,218 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 6,493 |
| Cost of funding earning assets | 0.5335% | 7,395 |
| Net interest margin | 4.0069% | 3,073 |
| Noninterest income to average assets | 0.7969% | 2,246 |
| Noninterest expense to average assets | 2.9348% | 3,966 |
| Loan and lease loss provision to assets | 0.0502% | 6,583 |
| Net operating income to assets | 1.5584% | 813 |
| Return on assets (ROA) | 1.9249% | 424 |
| Pretax return on assets | 1.9249% | 733 |
| Return on Equity (ROE) | 17.5498% | 523 |
| Retained earnings to average equity (ytd only) | 4.0211% | 3,646 |
| Net charge-offs to loans | 0.2681% | 4,342 |
| Credit loss provision to net charge-offs | 58.2353% | 5,742 |
| Earnings coverage of net charge-offs (x) | 18.6648% | 1,242 |
| Efficiency ratio | 64.5950% | 5,129 |
| Assets per employee ($millions) | 3.6878% | 4,533 |
| Cash dividends to net income (ytd only)* | 77.0872% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,097 |
| Loan loss allowance to noncurrent loans | 186.2229% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 6,560 |
| Noncurrent loans to loans | 0.7903% | 5,629 |
| Net loans and leases to total assets | 29.9178% | 7,470 |
| Net loans and leases to deposits | 33.7090% | 7,524 |
| Net loans and leases to core deposits | 36.5809% | 7,491 |
| Total domestic deposits to total assets | 88.7531% | 1,534 |
| Equity capital to assets | 10.8569% | 3,106 |
| Core capital (leverage) ratio | 9.5952% | 3,772 |
| Tier 1 risk-based capital ratio | 20.8505% | 1,384 |
| Total risk-based capital ratio | 21.8997% | 1,401 |
| Memoranda: | ||
| Average total assets | $263,001,750 | 2,463 |
| Average earning assets | $245,904,500 | 2,411 |
| Average equity | $28,846,750 | 2,284 |
| Average total loans | $84,552,000 | 4,267 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 6,029 |
| Cost of funding earning assets | 0.5687% | 7,451 |
| Net interest margin | 4.1661% | 2,272 |
| Noninterest income to average assets | 0.7933% | 2,154 |
| Noninterest expense to average assets | 2.9793% | 3,785 |
| Loan and lease loss provision to assets | 0.0429% | 6,547 |
| Net operating income to assets | 1.6625% | 634 |
| Return on assets (ROA) | 2.1622% | 273 |
| Pretax return on assets | 2.1622% | 439 |
| Return on Equity (ROE) | 19.6451% | 349 |
| Retained earnings to average equity (ytd only) | 6.5460% | 2,059 |
| Net charge-offs to loans | 0.4047% | 3,366 |
| Credit loss provision to net charge-offs | 32.3699% | 5,700 |
| Earnings coverage of net charge-offs (x) | 12.8613% | 1,637 |
| Efficiency ratio | 63.5962% | 5,413 |
| Assets per employee ($millions) | 3.7766% | 4,278 |
| Cash dividends to net income (ytd only)* | 66.6785% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 4,437 |
| Loan loss allowance to noncurrent loans | 171.5556% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,556 |
| Noncurrent loans to loans | 0.8146% | 5,646 |
| Net loans and leases to total assets | 30.9046% | 7,511 |
| Net loans and leases to deposits | 34.9427% | 7,555 |
| Net loans and leases to core deposits | 38.0908% | 7,530 |
| Total domestic deposits to total assets | 88.4436% | 1,764 |
| Equity capital to assets | 11.0839% | 2,782 |
| Core capital (leverage) ratio | 9.9029% | 3,281 |
| Tier 1 risk-based capital ratio | 20.8755% | 1,359 |
| Total risk-based capital ratio | 21.8858% | 1,371 |
| Memoranda: | ||
| Average total assets | $260,932,000 | 2,499 |
| Average earning assets | $243,727,670 | 2,457 |
| Average equity | $28,719,670 | 2,284 |
| Average total loans | $85,487,670 | 4,270 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 5,534 |
| Cost of funding earning assets | 0.6358% | 7,480 |
| Net interest margin | 4.2504% | 1,852 |
| Noninterest income to average assets | 0.7947% | 2,047 |
| Noninterest expense to average assets | 2.8501% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9058% | 406 |
| Return on assets (ROA) | 1.9443% | 419 |
| Pretax return on assets | 1.9443% | 674 |
| Return on Equity (ROE) | 17.7287% | 538 |
| Retained earnings to average equity (ytd only) | 4.2774% | 3,578 |
| Net charge-offs to loans | 0.2535% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 22.4545% | 1,088 |
| Efficiency ratio | 59.9286% | 6,186 |
| Assets per employee ($millions) | 3.6807% | 4,624 |
| Cash dividends to net income (ytd only)* | 75.8730% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 4,362 |
| Loan loss allowance to noncurrent loans | 94.1313% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 6,243 |
| Noncurrent loans to loans | 1.4990% | 4,494 |
| Net loans and leases to total assets | 32.5928% | 7,549 |
| Net loans and leases to deposits | 37.6230% | 7,589 |
| Net loans and leases to core deposits | 41.8500% | 7,531 |
| Total domestic deposits to total assets | 86.6298% | 2,829 |
| Equity capital to assets | 11.0604% | 2,710 |
| Core capital (leverage) ratio | 9.7171% | 3,491 |
| Tier 1 risk-based capital ratio | 20.4805% | 1,431 |
| Total risk-based capital ratio | 21.5476% | 1,435 |
| Memoranda: | ||
| Average total assets | $259,215,500 | 2,567 |
| Average earning assets | $241,580,000 | 2,518 |
| Average equity | $28,428,500 | 2,334 |
| Average total loans | $86,802,000 | 4,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 5,544 |
| Cost of funding earning assets | 0.7724% | 7,593 |
| Net interest margin | 4.4501% | 1,296 |
| Noninterest income to average assets | 0.8845% | 2,010 |
| Noninterest expense to average assets | 3.0868% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.9394% | 261 |
| Return on assets (ROA) | 2.0822% | 206 |
| Pretax return on assets | 2.0822% | 346 |
| Return on Equity (ROE) | 18.2636% | 347 |
| Retained earnings to average equity (ytd only) | -0.3855% | 5,057 |
| Net charge-offs to loans | 0.3302% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 15.7698% | 1,287 |
| Efficiency ratio | 61.4143% | 6,259 |
| Assets per employee ($millions) | 3.7261% | 4,458 |
| Cash dividends to net income (ytd only)* | 102.1108% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 3,920 |
| Loan loss allowance to noncurrent loans | 207.1545% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 6,867 |
| Noncurrent loans to loans | 0.7052% | 5,833 |
| Net loans and leases to total assets | 33.4251% | 7,614 |
| Net loans and leases to deposits | 38.4893% | 7,662 |
| Net loans and leases to core deposits | 45.3223% | 7,683 |
| Total domestic deposits to total assets | 86.8426% | 2,588 |
| Equity capital to assets | 10.8723% | 2,798 |
| Core capital (leverage) ratio | 9.9553% | 3,136 |
| Tier 1 risk-based capital ratio | 20.0984% | 1,442 |
| Total risk-based capital ratio | 21.2031% | 1,435 |
| Memoranda: | ||
| Average total assets | $236,620,600 | 2,746 |
| Average earning assets | $220,220,800 | 2,706 |
| Average equity | $26,977,200 | 2,452 |
| Average total loans | $88,127,000 | 4,266 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3035% | 5,405 |
| Cost of funding earning assets | 0.7966% | 7,696 |
| Net interest margin | 4.5068% | 1,178 |
| Noninterest income to average assets | 0.9186% | 1,909 |
| Noninterest expense to average assets | 3.1556% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9565% | 322 |
| Return on assets (ROA) | 2.1511% | 226 |
| Pretax return on assets | 2.1511% | 397 |
| Return on Equity (ROE) | 18.6280% | 391 |
| Retained earnings to average equity (ytd only) | -1.6608% | 5,648 |
| Net charge-offs to loans | 0.4059% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 12.6282% | 1,741 |
| Efficiency ratio | 61.7283% | 6,158 |
| Assets per employee ($millions) | 3.4240% | 5,111 |
| Cash dividends to net income (ytd only)* | 108.9155% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 3,418 |
| Loan loss allowance to noncurrent loans | 123.5462% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 6,389 |
| Noncurrent loans to loans | 1.2169% | 4,912 |
| Net loans and leases to total assets | 34.4411% | 7,676 |
| Net loans and leases to deposits | 39.9478% | 7,732 |
| Net loans and leases to core deposits | 47.5044% | 7,742 |
| Total domestic deposits to total assets | 86.2154% | 2,579 |
| Equity capital to assets | 11.2981% | 2,749 |
| Core capital (leverage) ratio | 10.2029% | 3,064 |
| Tier 1 risk-based capital ratio | 20.2564% | 1,506 |
| Total risk-based capital ratio | 21.3984% | 1,480 |
| Memoranda: | ||
| Average total assets | $231,500,000 | 2,825 |
| Average earning assets | $215,401,250 | 2,780 |
| Average equity | $26,733,250 | 2,490 |
| Average total loans | $88,356,000 | 4,298 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 5,350 |
| Cost of funding earning assets | 0.8226% | 7,793 |
| Net interest margin | 4.5382% | 1,082 |
| Noninterest income to average assets | 0.9184% | 1,906 |
| Noninterest expense to average assets | 3.1754% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.9762% | 312 |
| Return on assets (ROA) | 2.1069% | 255 |
| Pretax return on assets | 2.1069% | 425 |
| Return on Equity (ROE) | 18.1032% | 489 |
| Retained earnings to average equity (ytd only) | -5.6677% | 6,402 |
| Net charge-offs to loans | 0.6085% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.2583% | 2,292 |
| Efficiency ratio | 61.6387% | 6,292 |
| Assets per employee ($millions) | 3.2828% | 5,364 |
| Cash dividends to net income (ytd only)* | 131.3076% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 3,590 |
| Loan loss allowance to noncurrent loans | 112.9032% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 6,242 |
| Noncurrent loans to loans | 1.2642% | 4,673 |
| Net loans and leases to total assets | 37.3181% | 7,663 |
| Net loans and leases to deposits | 43.2715% | 7,724 |
| Net loans and leases to core deposits | 50.9552% | 7,741 |
| Total domestic deposits to total assets | 86.2417% | 2,652 |
| Equity capital to assets | 10.5368% | 3,357 |
| Core capital (leverage) ratio | 10.4593% | 2,852 |
| Tier 1 risk-based capital ratio | 20.6791% | 1,450 |
| Total risk-based capital ratio | 21.8641% | 1,421 |
| Memoranda: | ||
| Average total assets | $226,490,670 | 2,895 |
| Average earning assets | $211,274,330 | 2,851 |
| Average equity | $26,360,000 | 2,528 |
| Average total loans | $89,073,670 | 4,300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 5,522 |
| Cost of funding earning assets | 0.8510% | 7,865 |
| Net interest margin | 4.5310% | 1,067 |
| Noninterest income to average assets | 0.9240% | 1,762 |
| Noninterest expense to average assets | 3.0703% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0663% | 310 |
| Return on assets (ROA) | 2.2227% | 259 |
| Pretax return on assets | 2.2227% | 420 |
| Return on Equity (ROE) | 18.1612% | 582 |
| Retained earnings to average equity (ytd only) | 4.2356% | 3,551 |
| Net charge-offs to loans | 1.4822% | 974 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 3.4740% | 3,168 |
| Efficiency ratio | 59.7734% | 6,437 |
| Assets per employee ($millions) | 3.1590% | 5,710 |
| Cash dividends to net income (ytd only)* | 76.6776% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 3,549 |
| Loan loss allowance to noncurrent loans | 83.9431% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 5,519 |
| Noncurrent loans to loans | 1.6572% | 3,788 |
| Net loans and leases to total assets | 39.1574% | 7,607 |
| Net loans and leases to deposits | 46.0906% | 7,658 |
| Net loans and leases to core deposits | 53.3669% | 7,696 |
| Total domestic deposits to total assets | 84.9576% | 3,228 |
| Equity capital to assets | 12.3326% | 2,062 |
| Core capital (leverage) ratio | 11.5047% | 2,146 |
| Tier 1 risk-based capital ratio | 23.0738% | 1,186 |
| Total risk-based capital ratio | 24.2903% | 1,159 |
| Memoranda: | ||
| Average total assets | $219,913,500 | 2,988 |
| Average earning assets | $204,459,500 | 2,959 |
| Average equity | $26,914,500 | 2,499 |
| Average total loans | $88,247,500 | 4,349 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9405% | 5,849 |
| Cost of funding earning assets | 1.0625% | 8,028 |
| Net interest margin | 4.8780% | 658 |
| Noninterest income to average assets | 1.0923% | 1,319 |
| Noninterest expense to average assets | 3.2582% | 3,128 |
| Loan and lease loss provision to assets | 0.1660% | 5,260 |
| Net operating income to assets | 2.1731% | 255 |
| Return on assets (ROA) | 2.2167% | 227 |
| Pretax return on assets | 2.2167% | 384 |
| Return on Equity (ROE) | 19.1647% | 441 |
| Retained earnings to average equity (ytd only) | 2.9990% | 3,305 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2101% | 6,659 |
| Assets per employee ($millions) | 2.8738% | 6,387 |
| Cash dividends to net income (ytd only)* | 84.3514% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 1,653 |
| Loan loss allowance to noncurrent loans | 127.7099% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 5,480 |
| Noncurrent loans to loans | 1.4034% | 3,705 |
| Net loans and leases to total assets | 39.8367% | 7,677 |
| Net loans and leases to deposits | 47.3275% | 7,740 |
| Net loans and leases to core deposits | 54.9809% | 7,768 |
| Total domestic deposits to total assets | 84.1724% | 3,231 |
| Equity capital to assets | 12.1410% | 2,197 |
| Core capital (leverage) ratio | 11.5584% | 2,216 |
| Tier 1 risk-based capital ratio | 23.0130% | 1,190 |
| Total risk-based capital ratio | 24.2735% | 1,164 |
| Memoranda: | ||
| Average total assets | $209,008,200 | 3,020 |
| Average earning assets | $193,031,400 | 2,996 |
| Average equity | $24,174,600 | 2,716 |
| Average total loans | $86,723,200 | 4,315 |