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 | 6.4095% | 385 |
| Cost of funding earning assets | 2.1382% | 717 |
| Net interest margin | 4.2713% | 845 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.6944% | 1,749 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.7128% | 718 |
| Return on assets (ROA) | 1.7128% | 686 |
| Pretax return on assets | 1.7363% | 998 |
| Return on Equity (ROE) | 15.5900% | 1,177 |
| Retained earnings to average equity (ytd only) | 5.9099% | 2,282 |
| Net charge-offs to loans | 0.0031% | 2,667 |
| Credit loss provision to net charge-offs | 1,066.6667% | 389 |
| Earnings coverage of net charge-offs (x) | 799.3333% | 181 |
| Efficiency ratio | 60.4910% | 3,021 |
| Assets per employee ($millions) | 5.4395% | 3,301 |
| Cash dividends to net income (ytd only)* | 62.1037% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6281% | 793 |
| Loan loss allowance to noncurrent loans | 75.4783% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 154 |
| Noncurrent loans to loans | 2.1571% | 250 |
| Net loans and leases to total assets | 71.8700% | 1,598 |
| Net loans and leases to deposits | 86.2980% | 1,596 |
| Net loans and leases to core deposits | 103.8659% | 1,224 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 11.9205% | 1,155 |
| Core capital (leverage) ratio | 14.8294% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1697% | 768 |
| Memoranda: | ||
| Average total assets | $272,532,200 | 2,569 |
| Average earning assets | $254,842,400 | 2,541 |
| Average equity | $29,933,000 | 2,262 |
| Average total loans | $194,651,800 | 2,325 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2476% | 392 |
| Cost of funding earning assets | 1.9970% | 710 |
| Net interest margin | 4.2506% | 862 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.6605% | 1,767 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.7144% | 777 |
| Return on assets (ROA) | 1.7144% | 764 |
| Pretax return on assets | 1.7324% | 1,111 |
| Return on Equity (ROE) | 15.9500% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.4646% | 2,153 |
| Net charge-offs to loans | 0.0014% | 2,557 |
| Credit loss provision to net charge-offs | 3,200.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 1,803.5000% | 78 |
| Efficiency ratio | 60.1348% | 2,948 |
| Assets per employee ($millions) | 5.3398% | 3,314 |
| Cash dividends to net income (ytd only)* | 53.1945% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 819 |
| Loan loss allowance to noncurrent loans | 74.5739% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.9620% | 147 |
| Noncurrent loans to loans | 2.1914% | 249 |
| Net loans and leases to total assets | 71.5700% | 1,631 |
| Net loans and leases to deposits | 86.0795% | 1,564 |
| Net loans and leases to core deposits | 101.6242% | 1,237 |
| Total domestic deposits to total assets | 83.1400% | 2,987 |
| Equity capital to assets | 10.5483% | 1,534 |
| Core capital (leverage) ratio | 14.4682% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0684% | 807 |
| Memoranda: | ||
| Average total assets | $272,671,250 | 2,566 |
| Average earning assets | $255,173,500 | 2,546 |
| Average equity | $29,311,000 | 2,284 |
| Average total loans | $193,641,250 | 2,331 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 497 |
| Cost of funding earning assets | 1.7766% | 771 |
| Net interest margin | 4.1328% | 1,034 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.6050% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6907% | 799 |
| Return on assets (ROA) | 1.6907% | 802 |
| Pretax return on assets | 1.7061% | 1,202 |
| Return on Equity (ROE) | 15.6300% | 1,333 |
| Retained earnings to average equity (ytd only) | 5.3413% | 2,846 |
| Net charge-offs to loans | -0.0083% | 3,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4252% | 2,908 |
| Assets per employee ($millions) | 5.4160% | 3,220 |
| Cash dividends to net income (ytd only)* | 65.8283% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 976 |
| Loan loss allowance to noncurrent loans | 70.4425% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 139 |
| Noncurrent loans to loans | 2.2389% | 225 |
| Net loans and leases to total assets | 71.9400% | 1,538 |
| Net loans and leases to deposits | 86.8375% | 1,437 |
| Net loans and leases to core deposits | 101.4910% | 1,158 |
| Total domestic deposits to total assets | 82.8400% | 3,082 |
| Equity capital to assets | 11.0760% | 1,360 |
| Core capital (leverage) ratio | 13.9559% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5240% | 880 |
| Memoranda: | ||
| Average total assets | $272,785,667 | 2,570 |
| Average earning assets | $255,322,667 | 2,551 |
| Average equity | $29,506,000 | 2,283 |
| Average total loans | $192,143,667 | 2,340 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 488 |
| Cost of funding earning assets | 1.5195% | 812 |
| Net interest margin | 4.1282% | 1,058 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.5912% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6970% | 825 |
| Return on assets (ROA) | 1.6970% | 821 |
| Pretax return on assets | 1.7147% | 1,246 |
| Return on Equity (ROE) | 15.8800% | 1,384 |
| Retained earnings to average equity (ytd only) | 2.0579% | 3,692 |
| Net charge-offs to loans | -0.0085% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1782% | 2,938 |
| Assets per employee ($millions) | 5.6754% | 3,045 |
| Cash dividends to net income (ytd only)* | 87.0435% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 789 |
| Loan loss allowance to noncurrent loans | 70.8937% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 127 |
| Noncurrent loans to loans | 2.4142% | 206 |
| Net loans and leases to total assets | 65.6900% | 2,094 |
| Net loans and leases to deposits | 77.1740% | 2,022 |
| Net loans and leases to core deposits | 88.2566% | 1,724 |
| Total domestic deposits to total assets | 85.1200% | 2,825 |
| Equity capital to assets | 10.7171% | 1,447 |
| Core capital (leverage) ratio | 14.0118% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2270% | 818 |
| Memoranda: | ||
| Average total assets | $271,069,500 | 2,607 |
| Average earning assets | $253,765,500 | 2,591 |
| Average equity | $28,962,000 | 2,335 |
| Average total loans | $187,274,000 | 2,391 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 414 |
| Cost of funding earning assets | 0.6915% | 600 |
| Net interest margin | 4.1285% | 623 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.5492% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7775% | 463 |
| Return on assets (ROA) | 1.7775% | 445 |
| Pretax return on assets | 1.7938% | 748 |
| Return on Equity (ROE) | 15.6000% | 1,122 |
| Retained earnings to average equity (ytd only) | 9.9013% | 1,189 |
| Net charge-offs to loans | -0.0005% | 3,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.6759% | 3,237 |
| Assets per employee ($millions) | 5.3886% | 3,328 |
| Cash dividends to net income (ytd only)* | 36.5376% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6837% | 820 |
| Loan loss allowance to noncurrent loans | 72.3031% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.9281% | 127 |
| Noncurrent loans to loans | 2.3287% | 211 |
| Net loans and leases to total assets | 70.2600% | 1,614 |
| Net loans and leases to deposits | 79.2574% | 1,825 |
| Net loans and leases to core deposits | 93.2268% | 1,335 |
| Total domestic deposits to total assets | 88.6500% | 1,826 |
| Equity capital to assets | 10.6498% | 1,392 |
| Core capital (leverage) ratio | 13.9115% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1802% | 808 |
| Memoranda: | ||
| Average total assets | $258,671,800 | 2,679 |
| Average earning assets | $242,387,600 | 2,660 |
| Average equity | $29,471,000 | 2,357 |
| Average total loans | $183,941,000 | 2,342 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 456 |
| Cost of funding earning assets | 0.4949% | 765 |
| Net interest margin | 4.0663% | 548 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.5140% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7591% | 461 |
| Return on assets (ROA) | 1.7591% | 451 |
| Pretax return on assets | 1.7694% | 781 |
| Return on Equity (ROE) | 15.1900% | 1,132 |
| Retained earnings to average equity (ytd only) | 7.8588% | 2,053 |
| Net charge-offs to loans | 0.0007% | 2,309 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 3,420.0000% | 34 |
| Efficiency ratio | 58.6557% | 3,307 |
| Assets per employee ($millions) | 5.4761% | 3,248 |
| Cash dividends to net income (ytd only)* | 48.2474% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 980 |
| Loan loss allowance to noncurrent loans | 72.3298% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.7620% | 163 |
| Noncurrent loans to loans | 2.2725% | 248 |
| Net loans and leases to total assets | 70.8300% | 1,408 |
| Net loans and leases to deposits | 82.5429% | 1,399 |
| Net loans and leases to core deposits | 94.3659% | 1,071 |
| Total domestic deposits to total assets | 85.8100% | 3,107 |
| Equity capital to assets | 9.5788% | 1,838 |
| Core capital (leverage) ratio | 13.6240% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2804% | 950 |
| Memoranda: | ||
| Average total assets | $257,329,250 | 2,700 |
| Average earning assets | $241,390,250 | 2,681 |
| Average equity | $29,808,750 | 2,376 |
| Average total loans | $182,753,750 | 2,354 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 671 |
| Cost of funding earning assets | 0.3469% | 1,294 |
| Net interest margin | 3.8272% | 710 |
| Noninterest income to average assets | 0.4739% | 2,336 |
| Noninterest expense to average assets | 2.5010% | 1,926 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5643% | 599 |
| Return on assets (ROA) | 1.5643% | 582 |
| Pretax return on assets | 1.5737% | 1,003 |
| Return on Equity (ROE) | 12.7272% | 1,458 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,187 |
| Net charge-offs to loans | -0.0045% | 3,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3777% | 3,128 |
| Assets per employee ($millions) | 5.3036% | 3,426 |
| Cash dividends to net income (ytd only)* | 70.6149% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 970 |
| Loan loss allowance to noncurrent loans | 43.1620% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.8895% | 65 |
| Noncurrent loans to loans | 3.9217% | 96 |
| Net loans and leases to total assets | 72.4343% | 1,061 |
| Net loans and leases to deposits | 86.0560% | 967 |
| Net loans and leases to core deposits | 98.6571% | 735 |
| Total domestic deposits to total assets | 84.1712% | 3,655 |
| Equity capital to assets | 10.6338% | 1,378 |
| Core capital (leverage) ratio | 13.7711% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2945% | 948 |
| Memoranda: | ||
| Average total assets | $253,662,000 | 2,749 |
| Average earning assets | $238,658,333 | 2,731 |
| Average equity | $31,177,333 | 2,357 |
| Average total loans | $179,263,000 | 2,386 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 730 |
| Cost of funding earning assets | 0.2701% | 1,927 |
| Net interest margin | 3.7569% | 678 |
| Noninterest income to average assets | 0.4486% | 2,399 |
| Noninterest expense to average assets | 2.4897% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4865% | 655 |
| Return on assets (ROA) | 1.4865% | 647 |
| Pretax return on assets | 1.4960% | 1,029 |
| Return on Equity (ROE) | 11.3269% | 1,511 |
| Retained earnings to average equity (ytd only) | -0.7222% | 4,111 |
| Net charge-offs to loans | -0.0046% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4653% | 3,208 |
| Assets per employee ($millions) | 5.3441% | 3,454 |
| Cash dividends to net income (ytd only)* | 106.3762% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 826 |
| Loan loss allowance to noncurrent loans | 41.8989% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 3.0150% | 63 |
| Noncurrent loans to loans | 4.3790% | 82 |
| Net loans and leases to total assets | 67.5894% | 1,255 |
| Net loans and leases to deposits | 79.1510% | 1,206 |
| Net loans and leases to core deposits | 89.8871% | 931 |
| Total domestic deposits to total assets | 85.3930% | 3,441 |
| Equity capital to assets | 12.2150% | 882 |
| Core capital (leverage) ratio | 13.8243% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1377% | 886 |
| Memoranda: | ||
| Average total assets | $253,206,000 | 2,766 |
| Average earning assets | $238,386,500 | 2,747 |
| Average equity | $33,230,500 | 2,321 |
| Average total loans | $175,107,500 | 2,414 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 813 |
| Cost of funding earning assets | 0.3201% | 2,194 |
| Net interest margin | 4.0077% | 701 |
| Noninterest income to average assets | 0.4618% | 2,758 |
| Noninterest expense to average assets | 2.5591% | 1,996 |
| Loan and lease loss provision to assets | 0.1228% | 1,002 |
| Net operating income to assets | 1.5282% | 962 |
| Return on assets (ROA) | 1.7478% | 594 |
| Pretax return on assets | 1.7583% | 1,007 |
| Return on Equity (ROE) | 12.3307% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.2269% | 2,261 |
| Net charge-offs to loans | -0.0518% | 4,344 |
| Credit loss provision to net charge-offs | -352.3256% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6631% | 3,051 |
| Assets per employee ($millions) | 5.3175% | 3,456 |
| Cash dividends to net income (ytd only)* | 49.5013% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 887 |
| Loan loss allowance to noncurrent loans | 40.4052% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 3.0748% | 68 |
| Noncurrent loans to loans | 4.4270% | 90 |
| Net loans and leases to total assets | 68.2124% | 1,244 |
| Net loans and leases to deposits | 81.7370% | 1,085 |
| Net loans and leases to core deposits | 93.4751% | 807 |
| Total domestic deposits to total assets | 83.4535% | 3,708 |
| Equity capital to assets | 14.0183% | 658 |
| Core capital (leverage) ratio | 14.1424% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8596% | 913 |
| Memoranda: | ||
| Average total assets | $246,653,000 | 2,751 |
| Average earning assets | $231,205,400 | 2,737 |
| Average equity | $34,961,400 | 2,293 |
| Average total loans | $165,948,800 | 2,504 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 891 |
| Cost of funding earning assets | 0.3322% | 2,276 |
| Net interest margin | 4.0134% | 777 |
| Noninterest income to average assets | 0.4771% | 2,723 |
| Noninterest expense to average assets | 2.5596% | 1,956 |
| Loan and lease loss provision to assets | 0.1652% | 662 |
| Net operating income to assets | 1.5009% | 1,275 |
| Return on assets (ROA) | 1.7368% | 792 |
| Pretax return on assets | 1.7461% | 1,288 |
| Return on Equity (ROE) | 12.2179% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.2350% | 3,496 |
| Net charge-offs to loans | -0.1275% | 4,689 |
| Credit loss provision to net charge-offs | -194.2308% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4741% | 2,914 |
| Assets per employee ($millions) | 5.1606% | 3,545 |
| Cash dividends to net income (ytd only)* | 65.3375% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 680 |
| Loan loss allowance to noncurrent loans | 39.0294% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 3.3523% | 63 |
| Noncurrent loans to loans | 5.0326% | 73 |
| Net loans and leases to total assets | 65.3035% | 1,624 |
| Net loans and leases to deposits | 81.2862% | 1,166 |
| Net loans and leases to core deposits | 92.5910% | 896 |
| Total domestic deposits to total assets | 80.3377% | 4,185 |
| Equity capital to assets | 14.2014% | 690 |
| Core capital (leverage) ratio | 14.0207% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6696% | 865 |
| Memoranda: | ||
| Average total assets | $244,506,750 | 2,788 |
| Average earning assets | $228,795,750 | 2,773 |
| Average equity | $34,756,750 | 2,334 |
| Average total loans | $163,117,250 | 2,559 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 1,119 |
| Cost of funding earning assets | 0.3430% | 2,378 |
| Net interest margin | 3.8907% | 988 |
| Noninterest income to average assets | 0.4765% | 2,728 |
| Noninterest expense to average assets | 2.5518% | 1,993 |
| Loan and lease loss provision to assets | 0.2120% | 512 |
| Net operating income to assets | 1.3501% | 1,706 |
| Return on assets (ROA) | 1.7064% | 917 |
| Pretax return on assets | 1.7162% | 1,442 |
| Return on Equity (ROE) | 12.0001% | 2,070 |
| Retained earnings to average equity (ytd only) | 1.7968% | 4,166 |
| Net charge-offs to loans | 0.0911% | 790 |
| Credit loss provision to net charge-offs | 348.6486% | 823 |
| Earnings coverage of net charge-offs (x) | 25.7973% | 1,398 |
| Efficiency ratio | 61.9342% | 2,736 |
| Assets per employee ($millions) | 4.9805% | 3,674 |
| Cash dividends to net income (ytd only)* | 85.0265% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 863 |
| Loan loss allowance to noncurrent loans | 33.9940% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 3.5764% | 68 |
| Noncurrent loans to loans | 5.3321% | 74 |
| Net loans and leases to total assets | 65.8578% | 1,704 |
| Net loans and leases to deposits | 79.6138% | 1,463 |
| Net loans and leases to core deposits | 91.6625% | 1,030 |
| Total domestic deposits to total assets | 82.7216% | 3,764 |
| Equity capital to assets | 14.1450% | 689 |
| Core capital (leverage) ratio | 13.7625% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5649% | 880 |
| Memoranda: | ||
| Average total assets | $243,439,667 | 2,787 |
| Average earning assets | $227,982,000 | 2,775 |
| Average equity | $34,616,333 | 2,330 |
| Average total loans | $162,488,667 | 2,577 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 1,288 |
| Cost of funding earning assets | 0.3567% | 2,474 |
| Net interest margin | 3.7938% | 1,154 |
| Noninterest income to average assets | 0.4574% | 2,796 |
| Noninterest expense to average assets | 2.5467% | 2,036 |
| Loan and lease loss provision to assets | 0.1481% | 883 |
| Net operating income to assets | 1.3063% | 1,808 |
| Return on assets (ROA) | 2.0268% | 594 |
| Pretax return on assets | 2.0351% | 898 |
| Return on Equity (ROE) | 14.2163% | 1,391 |
| Retained earnings to average equity (ytd only) | 4.1079% | 3,473 |
| Net charge-offs to loans | -0.0395% | 4,303 |
| Credit loss provision to net charge-offs | -562.5000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5207% | 2,527 |
| Assets per employee ($millions) | 4.8686% | 3,785 |
| Cash dividends to net income (ytd only)* | 71.1039% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 867 |
| Loan loss allowance to noncurrent loans | 32.2649% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 3.7533% | 69 |
| Noncurrent loans to loans | 5.5892% | 64 |
| Net loans and leases to total assets | 65.9423% | 1,804 |
| Net loans and leases to deposits | 77.4069% | 1,768 |
| Net loans and leases to core deposits | 88.5857% | 1,321 |
| Total domestic deposits to total assets | 85.1892% | 3,031 |
| Equity capital to assets | 14.1451% | 639 |
| Core capital (leverage) ratio | 13.9480% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4793% | 733 |
| Memoranda: | ||
| Average total assets | $243,137,500 | 2,774 |
| Average earning assets | $227,633,500 | 2,766 |
| Average equity | $34,664,500 | 2,321 |
| Average total loans | $161,888,500 | 2,577 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 1,779 |
| Cost of funding earning assets | 0.6400% | 2,057 |
| Net interest margin | 3.6869% | 1,848 |
| Noninterest income to average assets | 0.4776% | 2,741 |
| Noninterest expense to average assets | 2.5086% | 2,820 |
| Loan and lease loss provision to assets | 0.6157% | 317 |
| Net operating income to assets | 0.7932% | 3,120 |
| Return on assets (ROA) | 1.7153% | 521 |
| Pretax return on assets | 1.7208% | 817 |
| Return on Equity (ROE) | 12.1269% | 1,291 |
| Retained earnings to average equity (ytd only) | 6.6554% | 1,528 |
| Net charge-offs to loans | 0.7179% | 205 |
| Credit loss provision to net charge-offs | 128.4588% | 2,564 |
| Earnings coverage of net charge-offs (x) | 2.9510% | 3,124 |
| Efficiency ratio | 63.9457% | 2,832 |
| Assets per employee ($millions) | 4.9542% | 3,438 |
| Cash dividends to net income (ytd only)* | 45.1187% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 1,030 |
| Loan loss allowance to noncurrent loans | 30.1877% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 3.7217% | 73 |
| Noncurrent loans to loans | 5.6360% | 63 |
| Net loans and leases to total assets | 64.9105% | 2,241 |
| Net loans and leases to deposits | 79.9013% | 1,875 |
| Net loans and leases to core deposits | 91.4037% | 1,427 |
| Total domestic deposits to total assets | 81.2383% | 3,825 |
| Equity capital to assets | 14.3651% | 712 |
| Core capital (leverage) ratio | 13.7106% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5560% | 830 |
| Memoranda: | ||
| Average total assets | $238,263,000 | 2,668 |
| Average earning assets | $222,651,800 | 2,652 |
| Average equity | $33,701,800 | 2,302 |
| Average total loans | $159,073,200 | 2,567 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 1,631 |
| Cost of funding earning assets | 0.7162% | 1,926 |
| Net interest margin | 3.7619% | 1,728 |
| Noninterest income to average assets | 0.4945% | 2,633 |
| Noninterest expense to average assets | 2.5462% | 2,702 |
| Loan and lease loss provision to assets | 0.2293% | 1,770 |
| Net operating income to assets | 1.2327% | 1,544 |
| Return on assets (ROA) | 2.0844% | 270 |
| Pretax return on assets | 2.0884% | 426 |
| Return on Equity (ROE) | 14.7969% | 727 |
| Retained earnings to average equity (ytd only) | 7.6553% | 1,437 |
| Net charge-offs to loans | 0.1443% | 1,014 |
| Credit loss provision to net charge-offs | 237.4269% | 1,972 |
| Earnings coverage of net charge-offs (x) | 15.1696% | 2,114 |
| Efficiency ratio | 63.4596% | 2,833 |
| Assets per employee ($millions) | 5.1214% | 3,094 |
| Cash dividends to net income (ytd only)* | 48.2646% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 966 |
| Loan loss allowance to noncurrent loans | 51.3637% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.1755% | 278 |
| Noncurrent loans to loans | 3.2323% | 269 |
| Net loans and leases to total assets | 64.8875% | 2,651 |
| Net loans and leases to deposits | 84.2098% | 1,888 |
| Net loans and leases to core deposits | 96.1193% | 1,449 |
| Total domestic deposits to total assets | 77.0546% | 4,318 |
| Equity capital to assets | 14.4048% | 759 |
| Core capital (leverage) ratio | 13.4686% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2518% | 760 |
| Memoranda: | ||
| Average total assets | $235,900,750 | 2,664 |
| Average earning assets | $220,590,000 | 2,648 |
| Average equity | $33,231,250 | 2,319 |
| Average total loans | $157,948,000 | 2,592 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,869 |
| Cost of funding earning assets | 0.8015% | 1,821 |
| Net interest margin | 3.7150% | 2,111 |
| Noninterest income to average assets | 0.4936% | 2,601 |
| Noninterest expense to average assets | 2.6106% | 2,632 |
| Loan and lease loss provision to assets | 0.1247% | 2,780 |
| Net operating income to assets | 1.2262% | 1,564 |
| Return on assets (ROA) | 2.5220% | 147 |
| Pretax return on assets | 2.5255% | 205 |
| Return on Equity (ROE) | 18.0466% | 362 |
| Retained earnings to average equity (ytd only) | 8.8049% | 1,066 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8426% | 2,545 |
| Assets per employee ($millions) | 5.0029% | 3,171 |
| Cash dividends to net income (ytd only)* | 51.2104% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6301% | 940 |
| Loan loss allowance to noncurrent loans | 46.0382% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.3545% | 254 |
| Noncurrent loans to loans | 3.5407% | 220 |
| Net loans and leases to total assets | 65.4132% | 2,702 |
| Net loans and leases to deposits | 82.2864% | 2,173 |
| Net loans and leases to core deposits | 95.7584% | 1,596 |
| Total domestic deposits to total assets | 79.4945% | 3,942 |
| Equity capital to assets | 14.2966% | 779 |
| Core capital (leverage) ratio | 13.8835% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3118% | 733 |
| Memoranda: | ||
| Average total assets | $232,592,000 | 2,662 |
| Average earning assets | $217,333,667 | 2,652 |
| Average equity | $32,504,667 | 2,336 |
| Average total loans | $156,529,333 | 2,599 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 1,678 |
| Cost of funding earning assets | 0.9353% | 1,718 |
| Net interest margin | 3.7750% | 2,068 |
| Noninterest income to average assets | 0.4877% | 2,617 |
| Noninterest expense to average assets | 2.6204% | 2,924 |
| Loan and lease loss provision to assets | 0.0961% | 2,484 |
| Net operating income to assets | 1.2884% | 1,273 |
| Return on assets (ROA) | 2.3582% | 155 |
| Pretax return on assets | 2.3687% | 212 |
| Return on Equity (ROE) | 17.0808% | 331 |
| Retained earnings to average equity (ytd only) | 4.4063% | 2,536 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2590% | 3,053 |
| Assets per employee ($millions) | 4.8851% | 2,773 |
| Cash dividends to net income (ytd only)* | 74.2031% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 944 |
| Loan loss allowance to noncurrent loans | 114.6965% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 1,397 |
| Noncurrent loans to loans | 1.4428% | 1,108 |
| Net loans and leases to total assets | 65.0465% | 2,935 |
| Net loans and leases to deposits | 83.3125% | 2,303 |
| Net loans and leases to core deposits | 98.5060% | 1,585 |
| Total domestic deposits to total assets | 78.0753% | 4,208 |
| Equity capital to assets | 13.8977% | 1,097 |
| Core capital (leverage) ratio | 13.9156% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0552% | 862 |
| Memoranda: | ||
| Average total assets | $228,817,500 | 2,641 |
| Average earning assets | $213,825,000 | 2,631 |
| Average equity | $31,591,000 | 2,371 |
| Average total loans | $154,950,500 | 2,591 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 1,423 |
| Cost of funding earning assets | 1.1031% | 1,314 |
| Net interest margin | 3.9174% | 2,112 |
| Noninterest income to average assets | 0.4980% | 2,759 |
| Noninterest expense to average assets | 2.6227% | 3,116 |
| Loan and lease loss provision to assets | 0.2943% | 577 |
| Net operating income to assets | 1.2117% | 2,014 |
| Return on assets (ROA) | 1.6330% | 818 |
| Pretax return on assets | 1.6434% | 1,353 |
| Return on Equity (ROE) | 12.0040% | 1,510 |
| Retained earnings to average equity (ytd only) | 10.5996% | 388 |
| Net charge-offs to loans | 0.3296% | 631 |
| Credit loss provision to net charge-offs | 130.5221% | 1,958 |
| Earnings coverage of net charge-offs (x) | 6.7068% | 2,945 |
| Efficiency ratio | 63.4293% | 3,158 |
| Assets per employee ($millions) | 4.8518% | 2,775 |
| Cash dividends to net income (ytd only)* | 11.6995% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 1,075 |
| Loan loss allowance to noncurrent loans | 111.1765% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 1,296 |
| Noncurrent loans to loans | 1.3984% | 1,047 |
| Net loans and leases to total assets | 68.2283% | 2,649 |
| Net loans and leases to deposits | 86.8511% | 1,986 |
| Net loans and leases to core deposits | 103.8986% | 1,234 |
| Total domestic deposits to total assets | 78.5578% | 4,267 |
| Equity capital to assets | 13.7141% | 1,205 |
| Core capital (leverage) ratio | 13.6580% | 1,007 |
| Tier 1 risk-based capital ratio | 18.2908% | 1,690 |
| Total risk-based capital ratio | 19.5433% | 1,651 |
| Memoranda: | ||
| Average total assets | $220,881,800 | 2,653 |
| Average earning assets | $205,059,800 | 2,659 |
| Average equity | $30,048,200 | 2,391 |
| Average total loans | $151,107,600 | 2,602 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0405% | 1,442 |
| Cost of funding earning assets | 1.1062% | 1,327 |
| Net interest margin | 3.9342% | 2,150 |
| Noninterest income to average assets | 0.5014% | 2,723 |
| Noninterest expense to average assets | 2.6746% | 2,930 |
| Loan and lease loss provision to assets | 0.1138% | 1,706 |
| Net operating income to assets | 1.3546% | 1,630 |
| Return on assets (ROA) | 1.9267% | 482 |
| Pretax return on assets | 1.9340% | 799 |
| Return on Equity (ROE) | 14.1928% | 944 |
| Retained earnings to average equity (ytd only) | 12.5162% | 326 |
| Net charge-offs to loans | -0.0045% | 4,178 |
| Credit loss provision to net charge-offs | -3,740.0000% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4428% | 2,944 |
| Assets per employee ($millions) | 4.9072% | 2,655 |
| Cash dividends to net income (ytd only)* | 11.8129% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 931 |
| Loan loss allowance to noncurrent loans | 93.8392% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 1,083 |
| Noncurrent loans to loans | 1.7441% | 831 |
| Net loans and leases to total assets | 66.5106% | 2,987 |
| Net loans and leases to deposits | 86.6955% | 2,107 |
| Net loans and leases to core deposits | 103.1253% | 1,401 |
| Total domestic deposits to total assets | 76.7174% | 4,552 |
| Equity capital to assets | 13.9090% | 1,192 |
| Core capital (leverage) ratio | 13.7494% | 1,061 |
| Tier 1 risk-based capital ratio | 18.5521% | 1,674 |
| Total risk-based capital ratio | 19.8052% | 1,641 |
| Memoranda: | ||
| Average total assets | $219,093,250 | 2,691 |
| Average earning assets | $203,203,750 | 2,697 |
| Average equity | $29,742,000 | 2,425 |
| Average total loans | $149,374,000 | 2,653 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 1,383 |
| Cost of funding earning assets | 1.0871% | 1,348 |
| Net interest margin | 3.9479% | 2,101 |
| Noninterest income to average assets | 0.4519% | 2,950 |
| Noninterest expense to average assets | 2.7010% | 2,903 |
| Loan and lease loss provision to assets | 0.1033% | 1,816 |
| Net operating income to assets | 1.2956% | 1,788 |
| Return on assets (ROA) | 1.7604% | 674 |
| Pretax return on assets | 1.7659% | 1,132 |
| Return on Equity (ROE) | 13.0797% | 1,212 |
| Retained earnings to average equity (ytd only) | 11.3599% | 500 |
| Net charge-offs to loans | -0.0067% | 4,205 |
| Credit loss provision to net charge-offs | -2,240.0000% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7907% | 2,840 |
| Assets per employee ($millions) | 4.4847% | 3,166 |
| Cash dividends to net income (ytd only)* | 13.1482% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6387% | 948 |
| Loan loss allowance to noncurrent loans | 84.9877% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3244% | 945 |
| Noncurrent loans to loans | 1.9282% | 755 |
| Net loans and leases to total assets | 67.5618% | 2,878 |
| Net loans and leases to deposits | 88.0002% | 2,011 |
| Net loans and leases to core deposits | 105.6233% | 1,271 |
| Total domestic deposits to total assets | 76.7747% | 4,588 |
| Equity capital to assets | 14.0905% | 1,090 |
| Core capital (leverage) ratio | 13.8109% | 1,019 |
| Tier 1 risk-based capital ratio | 18.5965% | 1,643 |
| Total risk-based capital ratio | 19.8499% | 1,607 |
| Memoranda: | ||
| Average total assets | $216,880,670 | 2,720 |
| Average earning assets | $200,716,000 | 2,729 |
| Average equity | $29,190,330 | 2,445 |
| Average total loans | $148,287,670 | 2,676 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 1,074 |
| Cost of funding earning assets | 1.0691% | 1,296 |
| Net interest margin | 4.0453% | 1,702 |
| Noninterest income to average assets | 0.4226% | 3,034 |
| Noninterest expense to average assets | 2.6350% | 3,105 |
| Loan and lease loss provision to assets | 0.0680% | 2,308 |
| Net operating income to assets | 1.4388% | 1,273 |
| Return on assets (ROA) | 1.4406% | 1,294 |
| Pretax return on assets | 1.4553% | 1,901 |
| Return on Equity (ROE) | 10.9576% | 1,962 |
| Retained earnings to average equity (ytd only) | 7.4495% | 1,865 |
| Net charge-offs to loans | -0.0108% | 4,253 |
| Credit loss provision to net charge-offs | -925.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3952% | 3,335 |
| Assets per employee ($millions) | 4.4527% | 3,251 |
| Cash dividends to net income (ytd only)* | 32.0153% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 972 |
| Loan loss allowance to noncurrent loans | 281.0778% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 2,990 |
| Noncurrent loans to loans | 0.5852% | 2,581 |
| Net loans and leases to total assets | 67.0547% | 2,888 |
| Net loans and leases to deposits | 81.3880% | 2,681 |
| Net loans and leases to core deposits | 96.1540% | 1,917 |
| Total domestic deposits to total assets | 82.3889% | 3,620 |
| Equity capital to assets | 13.9791% | 1,043 |
| Core capital (leverage) ratio | 13.0472% | 1,251 |
| Tier 1 risk-based capital ratio | 18.4636% | 1,670 |
| Total risk-based capital ratio | 19.7171% | 1,618 |
| Memoranda: | ||
| Average total assets | $217,688,500 | 2,738 |
| Average earning assets | $200,925,000 | 2,753 |
| Average equity | $28,619,500 | 2,479 |
| Average total loans | $148,501,500 | 2,708 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,347 |
| Cost of funding earning assets | 0.8937% | 1,116 |
| Net interest margin | 3.9835% | 2,045 |
| Noninterest income to average assets | 0.4209% | 3,308 |
| Noninterest expense to average assets | 2.4246% | 3,817 |
| Loan and lease loss provision to assets | 0.0675% | 2,796 |
| Net operating income to assets | 1.6004% | 868 |
| Return on assets (ROA) | 1.5643% | 954 |
| Pretax return on assets | 1.5783% | 1,532 |
| Return on Equity (ROE) | 12.9040% | 1,379 |
| Retained earnings to average equity (ytd only) | 6.7658% | 1,774 |
| Net charge-offs to loans | -0.0026% | 4,266 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0376% | 4,008 |
| Assets per employee ($millions) | 4.8106% | 2,724 |
| Cash dividends to net income (ytd only)* | 47.5683% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,314 |
| Loan loss allowance to noncurrent loans | 260.4520% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 2,991 |
| Noncurrent loans to loans | 0.5735% | 2,562 |
| Net loans and leases to total assets | 67.2362% | 2,971 |
| Net loans and leases to deposits | 78.1776% | 3,143 |
| Net loans and leases to core deposits | 89.7398% | 2,595 |
| Total domestic deposits to total assets | 86.0044% | 2,225 |
| Equity capital to assets | 12.3768% | 1,646 |
| Core capital (leverage) ratio | 12.5986% | 1,411 |
| Tier 1 risk-based capital ratio | 16.6475% | 2,187 |
| Total risk-based capital ratio | 17.8987% | 2,133 |
| Memoranda: | ||
| Average total assets | $222,139,600 | 2,682 |
| Average earning assets | $205,550,000 | 2,674 |
| Average equity | $26,929,600 | 2,516 |
| Average total loans | $151,372,600 | 2,627 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 1,330 |
| Cost of funding earning assets | 0.8407% | 1,149 |
| Net interest margin | 3.9948% | 1,975 |
| Noninterest income to average assets | 0.4208% | 3,345 |
| Noninterest expense to average assets | 2.4435% | 3,752 |
| Loan and lease loss provision to assets | 0.0675% | 2,630 |
| Net operating income to assets | 1.6000% | 961 |
| Return on assets (ROA) | 1.5941% | 981 |
| Pretax return on assets | 1.6049% | 1,567 |
| Return on Equity (ROE) | 13.2200% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.0900% | 3,187 |
| Net charge-offs to loans | -0.0027% | 4,121 |
| Credit loss provision to net charge-offs | -3,733.3333% | 4,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2804% | 3,922 |
| Assets per employee ($millions) | 5.0185% | 2,448 |
| Cash dividends to net income (ytd only)* | 61.4978% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,443 |
| Loan loss allowance to noncurrent loans | 255.2928% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 3,118 |
| Noncurrent loans to loans | 0.5771% | 2,647 |
| Net loans and leases to total assets | 67.1329% | 3,060 |
| Net loans and leases to deposits | 85.9319% | 2,378 |
| Net loans and leases to core deposits | 98.9602% | 1,872 |
| Total domestic deposits to total assets | 78.1235% | 4,470 |
| Equity capital to assets | 11.7614% | 2,064 |
| Core capital (leverage) ratio | 12.0821% | 1,737 |
| Tier 1 risk-based capital ratio | 16.2343% | 2,362 |
| Total risk-based capital ratio | 17.4856% | 2,307 |
| Memoranda: | ||
| Average total assets | $221,149,500 | 2,699 |
| Average earning assets | $204,896,000 | 2,695 |
| Average equity | $26,666,000 | 2,541 |
| Average total loans | $150,634,250 | 2,650 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 1,299 |
| Cost of funding earning assets | 0.7655% | 1,306 |
| Net interest margin | 4.0174% | 1,800 |
| Noninterest income to average assets | 0.4263% | 3,317 |
| Noninterest expense to average assets | 2.4291% | 3,828 |
| Loan and lease loss provision to assets | 0.0683% | 2,517 |
| Net operating income to assets | 1.6421% | 818 |
| Return on assets (ROA) | 1.6331% | 845 |
| Pretax return on assets | 1.6431% | 1,364 |
| Return on Equity (ROE) | 13.4302% | 1,233 |
| Retained earnings to average equity (ytd only) | 2.9887% | 4,063 |
| Net charge-offs to loans | 0.0107% | 2,763 |
| Credit loss provision to net charge-offs | 937.5000% | 429 |
| Earnings coverage of net charge-offs (x) | 236.1250% | 376 |
| Efficiency ratio | 58.5382% | 4,150 |
| Assets per employee ($millions) | 4.6295% | 2,924 |
| Cash dividends to net income (ytd only)* | 77.7468% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,311 |
| Loan loss allowance to noncurrent loans | 261.9835% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,148 |
| Noncurrent loans to loans | 0.5826% | 2,675 |
| Net loans and leases to total assets | 67.2236% | 2,987 |
| Net loans and leases to deposits | 84.6418% | 2,460 |
| Net loans and leases to core deposits | 102.3449% | 1,538 |
| Total domestic deposits to total assets | 79.4213% | 4,363 |
| Equity capital to assets | 12.3935% | 1,597 |
| Core capital (leverage) ratio | 12.2167% | 1,588 |
| Tier 1 risk-based capital ratio | 16.7576% | 2,178 |
| Total risk-based capital ratio | 18.0100% | 2,121 |
| Memoranda: | ||
| Average total assets | $219,589,000 | 2,734 |
| Average earning assets | $203,516,670 | 2,722 |
| Average equity | $26,701,000 | 2,548 |
| Average total loans | $149,554,330 | 2,668 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,145 |
| Cost of funding earning assets | 0.7132% | 1,376 |
| Net interest margin | 4.0562% | 1,545 |
| Noninterest income to average assets | 0.4235% | 3,285 |
| Noninterest expense to average assets | 2.3974% | 3,955 |
| Loan and lease loss provision to assets | 0.0682% | 2,401 |
| Net operating income to assets | 1.7028% | 686 |
| Return on assets (ROA) | 1.6850% | 711 |
| Pretax return on assets | 1.6958% | 1,126 |
| Return on Equity (ROE) | 13.9862% | 1,017 |
| Retained earnings to average equity (ytd only) | 10.6200% | 987 |
| Net charge-offs to loans | 0.0106% | 2,366 |
| Credit loss provision to net charge-offs | 950.0000% | 361 |
| Earnings coverage of net charge-offs (x) | 248.2500% | 273 |
| Efficiency ratio | 57.3637% | 4,425 |
| Assets per employee ($millions) | 4.4141% | 3,303 |
| Cash dividends to net income (ytd only)* | 24.0682% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,382 |
| Loan loss allowance to noncurrent loans | 255.3738% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,212 |
| Noncurrent loans to loans | 0.5963% | 2,756 |
| Net loans and leases to total assets | 66.7214% | 2,937 |
| Net loans and leases to deposits | 80.0063% | 2,810 |
| Net loans and leases to core deposits | 97.5281% | 1,867 |
| Total domestic deposits to total assets | 83.3952% | 3,547 |
| Equity capital to assets | 12.6540% | 1,402 |
| Core capital (leverage) ratio | 11.8870% | 1,726 |
| Tier 1 risk-based capital ratio | 17.1586% | 2,070 |
| Total risk-based capital ratio | 18.4107% | 2,027 |
| Memoranda: | ||
| Average total assets | $222,904,500 | 2,727 |
| Average earning assets | $206,399,000 | 2,728 |
| Average equity | $26,855,000 | 2,565 |
| Average total loans | $151,643,000 | 2,667 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 1,539 |
| Cost of funding earning assets | 0.5428% | 2,007 |
| Net interest margin | 4.0174% | 1,697 |
| Noninterest income to average assets | 0.4288% | 3,449 |
| Noninterest expense to average assets | 2.5026% | 3,772 |
| Loan and lease loss provision to assets | 0.0728% | 2,751 |
| Net operating income to assets | 1.5677% | 696 |
| Return on assets (ROA) | 1.5723% | 702 |
| Pretax return on assets | 1.5873% | 1,324 |
| Return on Equity (ROE) | 13.0477% | 940 |
| Retained earnings to average equity (ytd only) | 8.3633% | 654 |
| Net charge-offs to loans | 0.0099% | 3,741 |
| Credit loss provision to net charge-offs | 1,107.1429% | 326 |
| Earnings coverage of net charge-offs (x) | 251.7857% | 333 |
| Efficiency ratio | 60.1875% | 4,233 |
| Assets per employee ($millions) | 5.0855% | 2,377 |
| Cash dividends to net income (ytd only)* | 35.9020% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,985 |
| Loan loss allowance to noncurrent loans | 207.2254% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,093 |
| Noncurrent loans to loans | 0.6498% | 2,597 |
| Net loans and leases to total assets | 67.3622% | 2,907 |
| Net loans and leases to deposits | 89.5219% | 1,831 |
| Net loans and leases to core deposits | 109.2651% | 1,051 |
| Total domestic deposits to total assets | 75.2465% | 5,063 |
| Equity capital to assets | 11.4987% | 2,201 |
| Core capital (leverage) ratio | 11.7309% | 1,773 |
| Tier 1 risk-based capital ratio | 14.9975% | 2,859 |
| Total risk-based capital ratio | 16.2476% | 2,782 |
| Memoranda: | ||
| Average total assets | $212,935,600 | 2,790 |
| Average earning assets | $197,665,400 | 2,795 |
| Average equity | $25,659,600 | 2,632 |
| Average total loans | $142,069,200 | 2,746 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,481 |
| Cost of funding earning assets | 0.5046% | 2,231 |
| Net interest margin | 4.0516% | 1,531 |
| Noninterest income to average assets | 0.4385% | 3,413 |
| Noninterest expense to average assets | 2.5339% | 3,614 |
| Loan and lease loss provision to assets | 0.0719% | 2,637 |
| Net operating income to assets | 1.5870% | 747 |
| Return on assets (ROA) | 1.5934% | 747 |
| Pretax return on assets | 1.6069% | 1,395 |
| Return on Equity (ROE) | 13.0544% | 1,047 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,747 |
| Net charge-offs to loans | 0.0029% | 3,647 |
| Credit loss provision to net charge-offs | 3,733.3333% | 123 |
| Earnings coverage of net charge-offs (x) | 868.3125% | 116 |
| Efficiency ratio | 60.2411% | 4,170 |
| Assets per employee ($millions) | 4.6123% | 2,957 |
| Cash dividends to net income (ytd only)* | 47.1796% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,732 |
| Loan loss allowance to noncurrent loans | 174.3421% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 2,843 |
| Noncurrent loans to loans | 0.8263% | 2,300 |
| Net loans and leases to total assets | 66.9047% | 2,987 |
| Net loans and leases to deposits | 87.1352% | 2,164 |
| Net loans and leases to core deposits | 107.8961% | 1,143 |
| Total domestic deposits to total assets | 76.7826% | 4,927 |
| Equity capital to assets | 12.1272% | 1,885 |
| Core capital (leverage) ratio | 11.5993% | 1,950 |
| Tier 1 risk-based capital ratio | 15.6661% | 2,646 |
| Total risk-based capital ratio | 16.9171% | 2,588 |
| Memoranda: | ||
| Average total assets | $207,686,750 | 2,866 |
| Average earning assets | $193,134,750 | 2,858 |
| Average equity | $25,349,750 | 2,674 |
| Average total loans | $137,653,500 | 2,831 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,514 |
| Cost of funding earning assets | 0.4548% | 2,556 |
| Net interest margin | 4.0426% | 1,481 |
| Noninterest income to average assets | 0.4534% | 3,331 |
| Noninterest expense to average assets | 2.5731% | 3,514 |
| Loan and lease loss provision to assets | 0.0733% | 2,502 |
| Net operating income to assets | 1.5480% | 791 |
| Return on assets (ROA) | 1.5548% | 802 |
| Pretax return on assets | 1.5753% | 1,416 |
| Return on Equity (ROE) | 12.7094% | 1,109 |
| Retained earnings to average equity (ytd only) | 8.1960% | 1,086 |
| Net charge-offs to loans | 0.0030% | 3,392 |
| Credit loss provision to net charge-offs | 3,750.0000% | 115 |
| Earnings coverage of net charge-offs (x) | 840.0000% | 86 |
| Efficiency ratio | 61.0480% | 4,158 |
| Assets per employee ($millions) | 4.5208% | 3,070 |
| Cash dividends to net income (ytd only)* | 35.5123% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,569 |
| Loan loss allowance to noncurrent loans | 517.1216% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 4,402 |
| Noncurrent loans to loans | 0.2906% | 4,001 |
| Net loans and leases to total assets | 65.6871% | 3,150 |
| Net loans and leases to deposits | 80.1193% | 2,895 |
| Net loans and leases to core deposits | 98.0505% | 1,803 |
| Total domestic deposits to total assets | 81.9867% | 3,893 |
| Equity capital to assets | 12.5497% | 1,595 |
| Core capital (leverage) ratio | 11.9985% | 1,633 |
| Tier 1 risk-based capital ratio | 16.6563% | 2,256 |
| Total risk-based capital ratio | 17.9082% | 2,211 |
| Memoranda: | ||
| Average total assets | $204,656,670 | 2,911 |
| Average earning assets | $190,419,670 | 2,910 |
| Average equity | $25,036,670 | 2,703 |
| Average total loans | $134,486,670 | 2,878 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 1,583 |
| Cost of funding earning assets | 0.4112% | 2,891 |
| Net interest margin | 4.0098% | 1,445 |
| Noninterest income to average assets | 0.4512% | 3,307 |
| Noninterest expense to average assets | 2.5556% | 3,638 |
| Loan and lease loss provision to assets | 0.0749% | 2,306 |
| Net operating income to assets | 1.5192% | 781 |
| Return on assets (ROA) | 1.5192% | 809 |
| Pretax return on assets | 1.5487% | 1,381 |
| Return on Equity (ROE) | 12.5847% | 1,091 |
| Retained earnings to average equity (ytd only) | 8.8468% | 1,131 |
| Net charge-offs to loans | 0.0121% | 2,575 |
| Credit loss provision to net charge-offs | 950.0000% | 343 |
| Earnings coverage of net charge-offs (x) | 206.0000% | 269 |
| Efficiency ratio | 61.1504% | 4,295 |
| Assets per employee ($millions) | 4.8569% | 2,622 |
| Cash dividends to net income (ytd only)* | 29.7017% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,551 |
| Loan loss allowance to noncurrent loans | 491.5865% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 4,423 |
| Noncurrent loans to loans | 0.3126% | 4,003 |
| Net loans and leases to total assets | 64.2288% | 3,241 |
| Net loans and leases to deposits | 75.7702% | 3,225 |
| Net loans and leases to core deposits | 93.1255% | 2,055 |
| Total domestic deposits to total assets | 84.7680% | 3,180 |
| Equity capital to assets | 12.2447% | 1,688 |
| Core capital (leverage) ratio | 11.9500% | 1,661 |
| Tier 1 risk-based capital ratio | 17.0664% | 2,166 |
| Total risk-based capital ratio | 18.3190% | 2,115 |
| Memoranda: | ||
| Average total assets | $203,006,500 | 2,962 |
| Average earning assets | $188,737,500 | 2,955 |
| Average equity | $24,506,000 | 2,749 |
| Average total loans | $132,387,500 | 2,928 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3657% | 1,928 |
| Cost of funding earning assets | 0.3798% | 3,208 |
| Net interest margin | 3.9859% | 1,669 |
| Noninterest income to average assets | 0.4438% | 3,584 |
| Noninterest expense to average assets | 2.4717% | 4,101 |
| Loan and lease loss provision to assets | 0.0641% | 3,092 |
| Net operating income to assets | 1.6274% | 638 |
| Return on assets (ROA) | 1.6082% | 691 |
| Pretax return on assets | 1.6101% | 1,248 |
| Return on Equity (ROE) | 13.4752% | 885 |
| Retained earnings to average equity (ytd only) | 8.8430% | 617 |
| Net charge-offs to loans | -0.0040% | 4,777 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3417% | 4,683 |
| Assets per employee ($millions) | 4.6982% | 2,789 |
| Cash dividends to net income (ytd only)* | 34.3760% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,576 |
| Loan loss allowance to noncurrent loans | 475.4137% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 4,480 |
| Noncurrent loans to loans | 0.3212% | 3,995 |
| Net loans and leases to total assets | 64.1999% | 3,330 |
| Net loans and leases to deposits | 77.1975% | 3,191 |
| Net loans and leases to core deposits | 93.5752% | 2,147 |
| Total domestic deposits to total assets | 83.1632% | 3,712 |
| Equity capital to assets | 11.8967% | 1,879 |
| Core capital (leverage) ratio | 11.7448% | 1,765 |
| Tier 1 risk-based capital ratio | 16.8190% | 2,222 |
| Total risk-based capital ratio | 18.0712% | 2,173 |
| Memoranda: | ||
| Average total assets | $202,779,000 | 2,927 |
| Average earning assets | $189,317,400 | 2,900 |
| Average equity | $24,200,000 | 2,783 |
| Average total loans | $126,106,600 | 2,978 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,000 |
| Cost of funding earning assets | 0.3767% | 3,264 |
| Net interest margin | 3.9726% | 1,735 |
| Noninterest income to average assets | 0.4408% | 3,623 |
| Noninterest expense to average assets | 2.4680% | 4,080 |
| Loan and lease loss provision to assets | 0.0657% | 2,909 |
| Net operating income to assets | 1.6147% | 711 |
| Return on assets (ROA) | 1.6206% | 744 |
| Pretax return on assets | 1.6258% | 1,316 |
| Return on Equity (ROE) | 13.5687% | 900 |
| Retained earnings to average equity (ytd only) | 7.6451% | 1,340 |
| Net charge-offs to loans | -0.0064% | 4,664 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4180% | 4,629 |
| Assets per employee ($millions) | 4.7163% | 2,719 |
| Cash dividends to net income (ytd only)* | 43.6562% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,586 |
| Loan loss allowance to noncurrent loans | 460.0928% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 4,583 |
| Noncurrent loans to loans | 0.3394% | 4,041 |
| Net loans and leases to total assets | 61.6310% | 3,672 |
| Net loans and leases to deposits | 79.9991% | 2,961 |
| Net loans and leases to core deposits | 98.0221% | 1,810 |
| Total domestic deposits to total assets | 77.0397% | 5,080 |
| Equity capital to assets | 12.3865% | 1,847 |
| Core capital (leverage) ratio | 11.4585% | 2,066 |
| Tier 1 risk-based capital ratio | 16.6908% | 2,336 |
| Total risk-based capital ratio | 17.9435% | 2,286 |
| Memoranda: | ||
| Average total assets | $202,968,250 | 2,934 |
| Average earning assets | $189,694,250 | 2,910 |
| Average equity | $24,241,500 | 2,801 |
| Average total loans | $124,706,000 | 3,005 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,002 |
| Cost of funding earning assets | 0.3740% | 3,315 |
| Net interest margin | 3.9704% | 1,737 |
| Noninterest income to average assets | 0.4344% | 3,637 |
| Noninterest expense to average assets | 2.4500% | 4,178 |
| Loan and lease loss provision to assets | 0.0690% | 2,758 |
| Net operating income to assets | 1.6235% | 685 |
| Return on assets (ROA) | 1.6323% | 714 |
| Pretax return on assets | 1.6372% | 1,262 |
| Return on Equity (ROE) | 13.8379% | 862 |
| Retained earnings to average equity (ytd only) | 8.9191% | 873 |
| Net charge-offs to loans | -0.0048% | 4,517 |
| Credit loss provision to net charge-offs | -2,333.3333% | 5,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0736% | 4,760 |
| Assets per employee ($millions) | 4.4756% | 3,073 |
| Cash dividends to net income (ytd only)* | 35.5462% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,596 |
| Loan loss allowance to noncurrent loans | 345.1327% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 4,372 |
| Noncurrent loans to loans | 0.4568% | 3,731 |
| Net loans and leases to total assets | 60.4491% | 3,821 |
| Net loans and leases to deposits | 77.1275% | 3,248 |
| Net loans and leases to core deposits | 93.7560% | 2,191 |
| Total domestic deposits to total assets | 78.3755% | 4,922 |
| Equity capital to assets | 12.5779% | 1,722 |
| Core capital (leverage) ratio | 11.3170% | 2,133 |
| Tier 1 risk-based capital ratio | 16.8405% | 2,284 |
| Total risk-based capital ratio | 18.0934% | 2,233 |
| Memoranda: | ||
| Average total assets | $203,023,670 | 2,951 |
| Average earning assets | $189,856,670 | 2,928 |
| Average equity | $23,948,670 | 2,834 |
| Average total loans | $123,950,670 | 3,022 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 2,382 |
| Cost of funding earning assets | 0.3675% | 3,419 |
| Net interest margin | 3.8602% | 2,070 |
| Noninterest income to average assets | 0.4612% | 3,409 |
| Noninterest expense to average assets | 2.4746% | 4,153 |
| Loan and lease loss provision to assets | 0.0589% | 2,780 |
| Net operating income to assets | 1.5287% | 810 |
| Return on assets (ROA) | 1.5287% | 854 |
| Pretax return on assets | 1.5346% | 1,489 |
| Return on Equity (ROE) | 13.3981% | 945 |
| Retained earnings to average equity (ytd only) | 9.5455% | 967 |
| Net charge-offs to loans | -0.0322% | 5,096 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8297% | 4,629 |
| Assets per employee ($millions) | 4.7496% | 2,675 |
| Cash dividends to net income (ytd only)* | 28.7548% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5623% | 1,742 |
| Loan loss allowance to noncurrent loans | 319.3333% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 4,394 |
| Noncurrent loans to loans | 0.4892% | 3,713 |
| Net loans and leases to total assets | 59.1105% | 3,904 |
| Net loans and leases to deposits | 72.1060% | 3,642 |
| Net loans and leases to core deposits | 87.8304% | 2,584 |
| Total domestic deposits to total assets | 81.9773% | 4,237 |
| Equity capital to assets | 11.5952% | 2,357 |
| Core capital (leverage) ratio | 10.9719% | 2,432 |
| Tier 1 risk-based capital ratio | 16.5492% | 2,460 |
| Total risk-based capital ratio | 17.8015% | 2,413 |
| Memoranda: | ||
| Average total assets | $203,835,000 | 2,943 |
| Average earning assets | $190,455,000 | 2,925 |
| Average equity | $23,257,000 | 2,898 |
| Average total loans | $124,078,500 | 3,027 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 2,368 |
| Cost of funding earning assets | 0.3704% | 3,482 |
| Net interest margin | 3.8856% | 2,079 |
| Noninterest income to average assets | 0.4933% | 3,370 |
| Noninterest expense to average assets | 2.5472% | 4,080 |
| Loan and lease loss provision to assets | 0.1537% | 1,528 |
| Net operating income to assets | 1.4067% | 1,028 |
| Return on assets (ROA) | 1.4255% | 1,033 |
| Pretax return on assets | 1.4332% | 1,773 |
| Return on Equity (ROE) | 13.0896% | 1,041 |
| Retained earnings to average equity (ytd only) | 10.3804% | 411 |
| Net charge-offs to loans | 0.0126% | 4,049 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 204.0667% | 330 |
| Efficiency ratio | 61.8994% | 4,623 |
| Assets per employee ($millions) | 4.5209% | 3,008 |
| Cash dividends to net income (ytd only)* | 20.6971% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 2,035 |
| Loan loss allowance to noncurrent loans | 351.3109% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 4,537 |
| Noncurrent loans to loans | 0.4254% | 3,934 |
| Net loans and leases to total assets | 60.7764% | 3,727 |
| Net loans and leases to deposits | 73.0867% | 3,603 |
| Net loans and leases to core deposits | 88.2855% | 2,574 |
| Total domestic deposits to total assets | 83.1566% | 3,790 |
| Equity capital to assets | 11.2235% | 2,616 |
| Core capital (leverage) ratio | 10.6517% | 2,770 |
| Tier 1 risk-based capital ratio | 15.7806% | 2,791 |
| Total risk-based capital ratio | 17.0322% | 2,730 |
| Memoranda: | ||
| Average total assets | $195,232,600 | 2,991 |
| Average earning assets | $181,979,000 | 2,980 |
| Average equity | $21,261,200 | 3,043 |
| Average total loans | $119,190,400 | 3,059 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 2,657 |
| Cost of funding earning assets | 0.3747% | 3,493 |
| Net interest margin | 3.8015% | 2,374 |
| Noninterest income to average assets | 0.4969% | 3,388 |
| Noninterest expense to average assets | 2.5371% | 4,088 |
| Loan and lease loss provision to assets | 0.1863% | 1,107 |
| Net operating income to assets | 1.3095% | 1,315 |
| Return on assets (ROA) | 1.3348% | 1,307 |
| Pretax return on assets | 1.3417% | 2,242 |
| Return on Equity (ROE) | 12.3566% | 1,286 |
| Retained earnings to average equity (ytd only) | 8.9128% | 936 |
| Net charge-offs to loans | 0.0057% | 3,976 |
| Credit loss provision to net charge-offs | 5,400.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 435.1709% | 168 |
| Efficiency ratio | 62.8054% | 4,440 |
| Assets per employee ($millions) | 4.4685% | 3,066 |
| Cash dividends to net income (ytd only)* | 27.8698% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 2,024 |
| Loan loss allowance to noncurrent loans | 150.4052% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 3,386 |
| Noncurrent loans to loans | 1.0189% | 2,438 |
| Net loans and leases to total assets | 60.6533% | 3,783 |
| Net loans and leases to deposits | 73.4748% | 3,598 |
| Net loans and leases to core deposits | 88.8980% | 2,569 |
| Total domestic deposits to total assets | 82.5497% | 3,967 |
| Equity capital to assets | 11.0835% | 2,920 |
| Core capital (leverage) ratio | 10.7974% | 2,718 |
| Tier 1 risk-based capital ratio | 15.4926% | 3,053 |
| Total risk-based capital ratio | 16.7441% | 2,980 |
| Memoranda: | ||
| Average total assets | $193,181,000 | 3,041 |
| Average earning assets | $180,029,500 | 3,023 |
| Average equity | $20,868,250 | 3,110 |
| Average total loans | $117,608,250 | 3,110 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,828 |
| Cost of funding earning assets | 0.3829% | 3,450 |
| Net interest margin | 3.7372% | 2,553 |
| Noninterest income to average assets | 0.5134% | 3,277 |
| Noninterest expense to average assets | 2.5443% | 4,091 |
| Loan and lease loss provision to assets | 0.2343% | 782 |
| Net operating income to assets | 1.2054% | 1,583 |
| Return on assets (ROA) | 1.2435% | 1,543 |
| Pretax return on assets | 1.2498% | 2,552 |
| Return on Equity (ROE) | 11.6146% | 1,494 |
| Retained earnings to average equity (ytd only) | 7.9863% | 1,275 |
| Net charge-offs to loans | 0.0103% | 3,548 |
| Credit loss provision to net charge-offs | 3,750.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 231.3333% | 303 |
| Efficiency ratio | 63.7693% | 4,393 |
| Assets per employee ($millions) | 4.5398% | 2,920 |
| Cash dividends to net income (ytd only)* | 31.2395% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,899 |
| Loan loss allowance to noncurrent loans | 139.8764% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 3,312 |
| Noncurrent loans to loans | 1.1468% | 2,356 |
| Net loans and leases to total assets | 59.6519% | 3,883 |
| Net loans and leases to deposits | 70.1931% | 3,909 |
| Net loans and leases to core deposits | 86.3811% | 2,728 |
| Total domestic deposits to total assets | 84.9825% | 3,130 |
| Equity capital to assets | 11.0224% | 2,864 |
| Core capital (leverage) ratio | 10.5688% | 2,874 |
| Tier 1 risk-based capital ratio | 15.9504% | 2,883 |
| Total risk-based capital ratio | 17.2027% | 2,838 |
| Memoranda: | ||
| Average total assets | $192,036,000 | 3,076 |
| Average earning assets | $178,634,330 | 3,059 |
| Average equity | $20,560,330 | 3,155 |
| Average total loans | $116,441,000 | 3,147 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,097 |
| Cost of funding earning assets | 0.3793% | 3,536 |
| Net interest margin | 3.6561% | 2,788 |
| Noninterest income to average assets | 0.5334% | 3,064 |
| Noninterest expense to average assets | 2.5417% | 4,132 |
| Loan and lease loss provision to assets | 0.3077% | 459 |
| Net operating income to assets | 1.0811% | 1,932 |
| Return on assets (ROA) | 1.1570% | 1,784 |
| Pretax return on assets | 1.1611% | 2,831 |
| Return on Equity (ROE) | 10.9608% | 1,648 |
| Retained earnings to average equity (ytd only) | 8.8619% | 1,248 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5985% | 4,380 |
| Assets per employee ($millions) | 4.7747% | 2,653 |
| Cash dividends to net income (ytd only)* | 19.1489% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 2,379 |
| Loan loss allowance to noncurrent loans | 44.5382% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 1,187 |
| Noncurrent loans to loans | 3.4069% | 580 |
| Net loans and leases to total assets | 57.7211% | 3,991 |
| Net loans and leases to deposits | 65.4681% | 4,203 |
| Net loans and leases to core deposits | 77.9148% | 3,388 |
| Total domestic deposits to total assets | 88.1668% | 1,724 |
| Equity capital to assets | 10.6589% | 3,358 |
| Core capital (leverage) ratio | 10.2204% | 3,318 |
| Tier 1 risk-based capital ratio | 15.1059% | 3,377 |
| Total risk-based capital ratio | 16.3568% | 3,296 |
| Memoranda: | ||
| Average total assets | $194,989,000 | 3,058 |
| Average earning assets | $181,395,500 | 3,052 |
| Average equity | $20,582,500 | 3,177 |
| Average total loans | $118,241,500 | 3,119 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 2,526 |
| Cost of funding earning assets | 0.4287% | 3,397 |
| Net interest margin | 3.8913% | 2,274 |
| Noninterest income to average assets | 0.4626% | 3,761 |
| Noninterest expense to average assets | 2.4344% | 4,745 |
| Loan and lease loss provision to assets | 0.3103% | 657 |
| Net operating income to assets | 1.3269% | 1,241 |
| Return on assets (ROA) | 1.4106% | 1,091 |
| Pretax return on assets | 1.4152% | 1,832 |
| Return on Equity (ROE) | 14.3976% | 865 |
| Retained earnings to average equity (ytd only) | 9.4322% | 616 |
| Net charge-offs to loans | 0.3582% | 1,219 |
| Credit loss provision to net charge-offs | 150.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 7.9372% | 2,955 |
| Efficiency ratio | 59.7220% | 5,259 |
| Assets per employee ($millions) | 4.7370% | 2,673 |
| Cash dividends to net income (ytd only)* | 34.4878% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 3,383 |
| Loan loss allowance to noncurrent loans | 57.7286% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 1.4190% | 1,944 |
| Noncurrent loans to loans | 2.2637% | 1,156 |
| Net loans and leases to total assets | 61.8667% | 3,520 |
| Net loans and leases to deposits | 71.2532% | 3,762 |
| Net loans and leases to core deposits | 84.8019% | 2,802 |
| Total domestic deposits to total assets | 86.8265% | 2,372 |
| Equity capital to assets | 10.4518% | 3,544 |
| Core capital (leverage) ratio | 9.9708% | 3,614 |
| Tier 1 risk-based capital ratio | 14.1215% | 4,020 |
| Total risk-based capital ratio | 15.2893% | 3,989 |
| Memoranda: | ||
| Average total assets | $192,406,200 | 3,079 |
| Average earning assets | $178,678,800 | 3,061 |
| Average equity | $18,850,400 | 3,305 |
| Average total loans | $111,110,000 | 3,196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,644 |
| Cost of funding earning assets | 0.4383% | 3,382 |
| Net interest margin | 3.8597% | 2,393 |
| Noninterest income to average assets | 0.4598% | 3,825 |
| Noninterest expense to average assets | 2.4255% | 4,742 |
| Loan and lease loss provision to assets | 0.0986% | 2,396 |
| Net operating income to assets | 1.5219% | 897 |
| Return on assets (ROA) | 1.5698% | 844 |
| Pretax return on assets | 1.5740% | 1,410 |
| Return on Equity (ROE) | 16.2982% | 644 |
| Retained earnings to average equity (ytd only) | 9.8366% | 752 |
| Net charge-offs to loans | -0.0184% | 5,592 |
| Credit loss provision to net charge-offs | -946.6667% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8868% | 5,193 |
| Assets per employee ($millions) | 4.7916% | 2,533 |
| Cash dividends to net income (ytd only)* | 39.6461% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 3,504 |
| Loan loss allowance to noncurrent loans | 48.5885% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 1,865 |
| Noncurrent loans to loans | 2.7343% | 1,028 |
| Net loans and leases to total assets | 58.5600% | 3,995 |
| Net loans and leases to deposits | 73.4111% | 3,508 |
| Net loans and leases to core deposits | 87.8903% | 2,443 |
| Total domestic deposits to total assets | 79.7699% | 5,153 |
| Equity capital to assets | 10.0990% | 4,053 |
| Core capital (leverage) ratio | 9.9491% | 3,742 |
| Tier 1 risk-based capital ratio | 14.2950% | 4,030 |
| Total risk-based capital ratio | 15.4712% | 3,996 |
| Memoranda: | ||
| Average total assets | $191,953,750 | 3,103 |
| Average earning assets | $178,556,750 | 3,085 |
| Average equity | $18,488,250 | 3,372 |
| Average total loans | $108,451,000 | 3,272 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 2,620 |
| Cost of funding earning assets | 0.4527% | 3,299 |
| Net interest margin | 3.8359% | 2,430 |
| Noninterest income to average assets | 0.4411% | 3,932 |
| Noninterest expense to average assets | 2.4090% | 4,855 |
| Loan and lease loss provision to assets | 0.0945% | 2,450 |
| Net operating income to assets | 1.5017% | 864 |
| Return on assets (ROA) | 1.4639% | 980 |
| Pretax return on assets | 1.4681% | 1,643 |
| Return on Equity (ROE) | 15.4565% | 718 |
| Retained earnings to average equity (ytd only) | 8.2827% | 1,217 |
| Net charge-offs to loans | -0.0340% | 5,733 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0838% | 5,283 |
| Assets per employee ($millions) | 4.5648% | 2,818 |
| Cash dividends to net income (ytd only)* | 46.4132% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,422 |
| Loan loss allowance to noncurrent loans | 45.8015% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 1,859 |
| Noncurrent loans to loans | 3.0269% | 952 |
| Net loans and leases to total assets | 57.0086% | 4,111 |
| Net loans and leases to deposits | 68.6040% | 3,981 |
| Net loans and leases to core deposits | 81.2809% | 3,065 |
| Total domestic deposits to total assets | 83.0981% | 4,270 |
| Equity capital to assets | 10.2412% | 3,770 |
| Core capital (leverage) ratio | 9.8597% | 3,803 |
| Tier 1 risk-based capital ratio | 14.7262% | 3,790 |
| Total risk-based capital ratio | 15.9329% | 3,773 |
| Memoranda: | ||
| Average total assets | $190,453,330 | 3,147 |
| Average earning assets | $177,170,000 | 3,114 |
| Average equity | $18,037,670 | 3,415 |
| Average total loans | $105,737,000 | 3,342 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,375 |
| Cost of funding earning assets | 0.4558% | 3,367 |
| Net interest margin | 3.8819% | 2,149 |
| Noninterest income to average assets | 0.4373% | 3,887 |
| Noninterest expense to average assets | 2.3946% | 4,942 |
| Loan and lease loss provision to assets | 0.0937% | 2,356 |
| Net operating income to assets | 1.5471% | 737 |
| Return on assets (ROA) | 1.4367% | 958 |
| Pretax return on assets | 1.4388% | 1,610 |
| Return on Equity (ROE) | 15.7958% | 664 |
| Retained earnings to average equity (ytd only) | 8.6076% | 1,383 |
| Net charge-offs to loans | -0.0344% | 5,640 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3089% | 5,499 |
| Assets per employee ($millions) | 4.6740% | 2,696 |
| Cash dividends to net income (ytd only)* | 45.5072% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 3,584 |
| Loan loss allowance to noncurrent loans | 43.3583% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 1.7403% | 2,026 |
| Noncurrent loans to loans | 3.2375% | 950 |
| Net loans and leases to total assets | 52.9997% | 4,541 |
| Net loans and leases to deposits | 59.3697% | 4,816 |
| Net loans and leases to core deposits | 70.3788% | 4,050 |
| Total domestic deposits to total assets | 89.2706% | 1,494 |
| Equity capital to assets | 9.3935% | 4,640 |
| Core capital (leverage) ratio | 9.3428% | 4,509 |
| Tier 1 risk-based capital ratio | 14.7688% | 3,839 |
| Total risk-based capital ratio | 15.9661% | 3,829 |
| Memoranda: | ||
| Average total assets | $192,102,000 | 3,136 |
| Average earning assets | $178,161,500 | 3,123 |
| Average equity | $17,473,000 | 3,485 |
| Average total loans | $104,508,000 | 3,378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 3,545 |
| Cost of funding earning assets | 0.5361% | 3,239 |
| Net interest margin | 3.6123% | 3,412 |
| Noninterest income to average assets | 0.4443% | 4,125 |
| Noninterest expense to average assets | 2.4180% | 5,023 |
| Loan and lease loss provision to assets | 0.0836% | 3,447 |
| Net operating income to assets | 1.2952% | 1,265 |
| Return on assets (ROA) | 1.3691% | 1,133 |
| Pretax return on assets | 1.3803% | 1,863 |
| Return on Equity (ROE) | 15.4937% | 687 |
| Retained earnings to average equity (ytd only) | 12.1598% | 303 |
| Net charge-offs to loans | 0.0092% | 5,269 |
| Credit loss provision to net charge-offs | 1,744.4444% | 143 |
| Earnings coverage of net charge-offs (x) | 289.7778% | 156 |
| Efficiency ratio | 63.5092% | 4,985 |
| Assets per employee ($millions) | 4.6969% | 2,592 |
| Cash dividends to net income (ytd only)* | 21.5175% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,077 |
| Loan loss allowance to noncurrent loans | 157.2881% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 4,862 |
| Noncurrent loans to loans | 0.8349% | 3,892 |
| Net loans and leases to total assets | 54.3244% | 4,543 |
| Net loans and leases to deposits | 63.0047% | 4,608 |
| Net loans and leases to core deposits | 75.1330% | 3,715 |
| Total domestic deposits to total assets | 86.2227% | 3,152 |
| Equity capital to assets | 8.7994% | 5,255 |
| Core capital (leverage) ratio | 9.0863% | 4,880 |
| Tier 1 risk-based capital ratio | 14.1810% | 4,167 |
| Total risk-based capital ratio | 15.3114% | 4,199 |
| Memoranda: | ||
| Average total assets | $187,718,800 | 3,188 |
| Average earning assets | $174,765,200 | 3,152 |
| Average equity | $16,587,400 | 3,618 |
| Average total loans | $98,285,400 | 3,492 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,902 |
| Cost of funding earning assets | 0.5561% | 3,203 |
| Net interest margin | 3.5020% | 3,874 |
| Noninterest income to average assets | 0.4604% | 4,077 |
| Noninterest expense to average assets | 2.4277% | 4,936 |
| Loan and lease loss provision to assets | 0.0693% | 3,677 |
| Net operating income to assets | 1.2197% | 1,567 |
| Return on assets (ROA) | 1.3754% | 1,205 |
| Pretax return on assets | 1.3847% | 1,980 |
| Return on Equity (ROE) | 15.5490% | 703 |
| Retained earnings to average equity (ytd only) | 11.4354% | 508 |
| Net charge-offs to loans | -0.0166% | 6,006 |
| Credit loss provision to net charge-offs | -808.3333% | 6,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1823% | 4,619 |
| Assets per employee ($millions) | 4.8307% | 2,394 |
| Cash dividends to net income (ytd only)* | 26.4553% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,506 |
| Loan loss allowance to noncurrent loans | 143.7832% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 4,975 |
| Noncurrent loans to loans | 0.8893% | 4,046 |
| Net loans and leases to total assets | 54.0608% | 4,603 |
| Net loans and leases to deposits | 66.0441% | 4,304 |
| Net loans and leases to core deposits | 79.5159% | 3,177 |
| Total domestic deposits to total assets | 81.8555% | 4,974 |
| Equity capital to assets | 8.2959% | 5,920 |
| Core capital (leverage) ratio | 8.8117% | 5,396 |
| Tier 1 risk-based capital ratio | 13.6847% | 4,639 |
| Total risk-based capital ratio | 14.7829% | 4,694 |
| Memoranda: | ||
| Average total assets | $186,505,750 | 3,233 |
| Average earning assets | $173,838,750 | 3,193 |
| Average equity | $16,498,000 | 3,673 |
| Average total loans | $96,355,500 | 3,566 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 4,022 |
| Cost of funding earning assets | 0.5848% | 3,087 |
| Net interest margin | 3.4391% | 4,047 |
| Noninterest income to average assets | 0.4103% | 4,448 |
| Noninterest expense to average assets | 2.4562% | 4,876 |
| Loan and lease loss provision to assets | 0.0673% | 3,696 |
| Net operating income to assets | 1.0829% | 1,981 |
| Return on assets (ROA) | 1.1614% | 1,808 |
| Pretax return on assets | 1.1701% | 2,805 |
| Return on Equity (ROE) | 12.8498% | 1,274 |
| Retained earnings to average equity (ytd only) | 7.9380% | 1,514 |
| Net charge-offs to loans | -0.0193% | 5,964 |
| Credit loss provision to net charge-offs | -688.8889% | 5,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9580% | 4,189 |
| Assets per employee ($millions) | 4.6021% | 2,649 |
| Cash dividends to net income (ytd only)* | 38.2243% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,089 |
| Loan loss allowance to noncurrent loans | 307.9625% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 5,644 |
| Noncurrent loans to loans | 0.4514% | 5,132 |
| Net loans and leases to total assets | 49.4419% | 5,167 |
| Net loans and leases to deposits | 60.2112% | 4,955 |
| Net loans and leases to core deposits | 74.6350% | 3,710 |
| Total domestic deposits to total assets | 82.1142% | 5,020 |
| Equity capital to assets | 8.3689% | 5,898 |
| Core capital (leverage) ratio | 8.7021% | 5,415 |
| Tier 1 risk-based capital ratio | 14.3908% | 4,168 |
| Total risk-based capital ratio | 15.5658% | 4,168 |
| Memoranda: | ||
| Average total assets | $184,265,330 | 3,276 |
| Average earning assets | $171,670,670 | 3,229 |
| Average equity | $16,654,000 | 3,675 |
| Average total loans | $93,203,000 | 3,653 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,850 |
| Cost of funding earning assets | 0.6184% | 2,938 |
| Net interest margin | 3.4506% | 3,907 |
| Noninterest income to average assets | 0.3823% | 4,603 |
| Noninterest expense to average assets | 2.5047% | 4,731 |
| Loan and lease loss provision to assets | 0.0923% | 3,119 |
| Net operating income to assets | 0.9843% | 2,296 |
| Return on assets (ROA) | 0.9843% | 2,419 |
| Pretax return on assets | 0.9975% | 3,361 |
| Return on Equity (ROE) | 10.4884% | 1,878 |
| Retained earnings to average equity (ytd only) | 5.2910% | 3,059 |
| Net charge-offs to loans | 0.0389% | 3,484 |
| Credit loss provision to net charge-offs | 466.6667% | 567 |
| Earnings coverage of net charge-offs (x) | 55.1111% | 627 |
| Efficiency ratio | 69.6822% | 4,021 |
| Assets per employee ($millions) | 4.6867% | 2,676 |
| Cash dividends to net income (ytd only)* | 49.5536% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,035 |
| Loan loss allowance to noncurrent loans | 294.2396% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 5,689 |
| Noncurrent loans to loans | 0.4908% | 5,202 |
| Net loans and leases to total assets | 47.6819% | 5,260 |
| Net loans and leases to deposits | 53.6408% | 5,463 |
| Net loans and leases to core deposits | 67.4238% | 4,363 |
| Total domestic deposits to total assets | 88.8911% | 1,742 |
| Equity capital to assets | 9.2810% | 5,157 |
| Core capital (leverage) ratio | 8.5888% | 5,457 |
| Tier 1 risk-based capital ratio | 14.9478% | 3,876 |
| Total risk-based capital ratio | 16.1659% | 3,863 |
| Memoranda: | ||
| Average total assets | $182,055,000 | 3,323 |
| Average earning assets | $169,476,500 | 3,284 |
| Average equity | $17,085,500 | 3,658 |
| Average total loans | $92,502,000 | 3,687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 2,724 |
| Cost of funding earning assets | 0.7119% | 3,395 |
| Net interest margin | 3.9547% | 2,586 |
| Noninterest income to average assets | 0.4271% | 4,405 |
| Noninterest expense to average assets | 2.5162% | 5,047 |
| Loan and lease loss provision to assets | 0.1979% | 3,157 |
| Net operating income to assets | 1.3608% | 1,175 |
| Return on assets (ROA) | 1.4671% | 1,088 |
| Pretax return on assets | 1.4755% | 1,759 |
| Return on Equity (ROE) | 14.9363% | 818 |
| Retained earnings to average equity (ytd only) | 12.0663% | 319 |
| Net charge-offs to loans | 0.1713% | 4,007 |
| Credit loss provision to net charge-offs | 217.1053% | 1,166 |
| Earnings coverage of net charge-offs (x) | 17.1776% | 1,523 |
| Efficiency ratio | 61.6368% | 5,294 |
| Assets per employee ($millions) | 4.5332% | 2,900 |
| Cash dividends to net income (ytd only)* | 19.2150% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 4,699 |
| Loan loss allowance to noncurrent loans | 257.5569% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 5,702 |
| Noncurrent loans to loans | 0.5001% | 5,287 |
| Net loans and leases to total assets | 52.5727% | 4,829 |
| Net loans and leases to deposits | 59.4428% | 5,083 |
| Net loans and leases to core deposits | 71.7931% | 4,065 |
| Total domestic deposits to total assets | 88.4425% | 1,930 |
| Equity capital to assets | 9.4894% | 4,889 |
| Core capital (leverage) ratio | 9.0229% | 4,870 |
| Tier 1 risk-based capital ratio | 13.7511% | 4,563 |
| Total risk-based capital ratio | 14.8587% | 4,614 |
| Memoranda: | ||
| Average total assets | $166,722,800 | 3,507 |
| Average earning assets | $154,097,000 | 3,481 |
| Average equity | $16,376,200 | 3,729 |
| Average total loans | $88,721,200 | 3,778 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 2,542 |
| Cost of funding earning assets | 0.7349% | 3,478 |
| Net interest margin | 4.0241% | 2,400 |
| Noninterest income to average assets | 0.4350% | 4,392 |
| Noninterest expense to average assets | 2.5060% | 5,060 |
| Loan and lease loss provision to assets | 0.2085% | 2,988 |
| Net operating income to assets | 1.4269% | 1,165 |
| Return on assets (ROA) | 1.4406% | 1,264 |
| Pretax return on assets | 1.4504% | 2,077 |
| Return on Equity (ROE) | 14.5299% | 994 |
| Retained earnings to average equity (ytd only) | 11.0418% | 675 |
| Net charge-offs to loans | 0.1860% | 3,629 |
| Credit loss provision to net charge-offs | 210.7438% | 1,310 |
| Earnings coverage of net charge-offs (x) | 16.6280% | 1,680 |
| Efficiency ratio | 60.3703% | 5,434 |
| Assets per employee ($millions) | 4.1800% | 3,517 |
| Cash dividends to net income (ytd only)* | 24.0070% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,732 |
| Loan loss allowance to noncurrent loans | 237.1542% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 5,643 |
| Noncurrent loans to loans | 0.5559% | 5,333 |
| Net loans and leases to total assets | 53.7273% | 4,789 |
| Net loans and leases to deposits | 64.9697% | 4,598 |
| Net loans and leases to core deposits | 79.0147% | 3,324 |
| Total domestic deposits to total assets | 82.6960% | 4,755 |
| Equity capital to assets | 10.3057% | 4,072 |
| Core capital (leverage) ratio | 8.9734% | 5,100 |
| Tier 1 risk-based capital ratio | 14.0712% | 4,478 |
| Total risk-based capital ratio | 15.2116% | 4,505 |
| Memoranda: | ||
| Average total assets | $163,071,500 | 3,602 |
| Average earning assets | $150,588,250 | 3,574 |
| Average equity | $16,168,500 | 3,792 |
| Average total loans | $86,758,250 | 3,866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 2,934 |
| Cost of funding earning assets | 0.7512% | 3,598 |
| Net interest margin | 3.9438% | 2,734 |
| Noninterest income to average assets | 0.3909% | 4,720 |
| Noninterest expense to average assets | 2.4367% | 5,338 |
| Loan and lease loss provision to assets | 0.2721% | 2,405 |
| Net operating income to assets | 1.3358% | 1,342 |
| Return on assets (ROA) | 1.3358% | 1,500 |
| Pretax return on assets | 1.3445% | 2,406 |
| Return on Equity (ROE) | 13.6585% | 1,195 |
| Retained earnings to average equity (ytd only) | 10.4083% | 869 |
| Net charge-offs to loans | 0.2883% | 2,877 |
| Credit loss provision to net charge-offs | 178.8618% | 1,578 |
| Earnings coverage of net charge-offs (x) | 10.6260% | 2,032 |
| Efficiency ratio | 60.1160% | 5,556 |
| Assets per employee ($millions) | 4.0078% | 3,851 |
| Cash dividends to net income (ytd only)* | 23.7963% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 4,772 |
| Loan loss allowance to noncurrent loans | 192.8690% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5228% | 5,458 |
| Noncurrent loans to loans | 0.6869% | 5,133 |
| Net loans and leases to total assets | 52.7185% | 5,002 |
| Net loans and leases to deposits | 67.2335% | 4,325 |
| Net loans and leases to core deposits | 81.8216% | 2,987 |
| Total domestic deposits to total assets | 78.4110% | 6,077 |
| Equity capital to assets | 9.9641% | 4,393 |
| Core capital (leverage) ratio | 8.8919% | 5,061 |
| Tier 1 risk-based capital ratio | 13.8530% | 4,554 |
| Total risk-based capital ratio | 14.9803% | 4,615 |
| Memoranda: | ||
| Average total assets | $161,696,000 | 3,632 |
| Average earning assets | $150,159,330 | 3,601 |
| Average equity | $15,814,330 | 3,834 |
| Average total loans | $85,334,000 | 3,935 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 3,100 |
| Cost of funding earning assets | 0.7878% | 3,566 |
| Net interest margin | 3.8989% | 2,932 |
| Noninterest income to average assets | 0.4115% | 4,581 |
| Noninterest expense to average assets | 2.3868% | 5,515 |
| Loan and lease loss provision to assets | 0.4614% | 1,336 |
| Net operating income to assets | 1.1971% | 1,744 |
| Return on assets (ROA) | 1.1971% | 1,926 |
| Pretax return on assets | 1.2046% | 2,897 |
| Return on Equity (ROE) | 12.3592% | 1,565 |
| Retained earnings to average equity (ytd only) | 11.7155% | 873 |
| Net charge-offs to loans | 0.5707% | 1,660 |
| Credit loss provision to net charge-offs | 154.1667% | 1,632 |
| Earnings coverage of net charge-offs (x) | 5.5667% | 2,337 |
| Efficiency ratio | 58.8923% | 5,787 |
| Assets per employee ($millions) | 5.0217% | 2,227 |
| Cash dividends to net income (ytd only)* | 5.2083% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 4,875 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5906% | 5,418 |
| Noncurrent loans to loans | 0.9219% | 4,823 |
| Net loans and leases to total assets | 52.1488% | 4,997 |
| Net loans and leases to deposits | 61.7953% | 4,950 |
| Net loans and leases to core deposits | 74.3745% | 3,852 |
| Total domestic deposits to total assets | 84.3896% | 4,327 |
| Equity capital to assets | 9.8516% | 4,308 |
| Core capital (leverage) ratio | 8.7605% | 5,184 |
| Tier 1 risk-based capital ratio | 14.1028% | 4,397 |
| Total risk-based capital ratio | 15.2484% | 4,435 |
| Memoranda: | ||
| Average total assets | $160,384,000 | 3,676 |
| Average earning assets | $149,786,500 | 3,623 |
| Average equity | $15,535,000 | 3,881 |
| Average total loans | $84,106,000 | 4,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 3,448 |
| Cost of funding earning assets | 0.8956% | 4,152 |
| Net interest margin | 3.9864% | 2,954 |
| Noninterest income to average assets | 0.3654% | 4,893 |
| Noninterest expense to average assets | 2.2760% | 6,100 |
| Loan and lease loss provision to assets | 0.5924% | 1,750 |
| Net operating income to assets | 1.2034% | 1,505 |
| Return on assets (ROA) | 1.2823% | 1,391 |
| Pretax return on assets | 1.2887% | 2,176 |
| Return on Equity (ROE) | 14.1105% | 901 |
| Retained earnings to average equity (ytd only) | 9.3271% | 715 |
| Net charge-offs to loans | 0.8573% | 2,026 |
| Credit loss provision to net charge-offs | 130.5085% | 2,341 |
| Earnings coverage of net charge-offs (x) | 3.9703% | 3,317 |
| Efficiency ratio | 55.8088% | 6,334 |
| Assets per employee ($millions) | 4.8507% | 2,382 |
| Cash dividends to net income (ytd only)* | 33.9000% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 5,018 |
| Loan loss allowance to noncurrent loans | 93.5909% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 5,004 |
| Noncurrent loans to loans | 1.3677% | 4,093 |
| Net loans and leases to total assets | 51.3606% | 5,411 |
| Net loans and leases to deposits | 59.6279% | 5,534 |
| Net loans and leases to core deposits | 71.0183% | 4,647 |
| Total domestic deposits to total assets | 86.1352% | 3,238 |
| Equity capital to assets | 9.5200% | 4,852 |
| Core capital (leverage) ratio | 8.6338% | 5,341 |
| Tier 1 risk-based capital ratio | 13.9058% | 4,394 |
| Total risk-based capital ratio | 15.0064% | 4,475 |
| Memoranda: | ||
| Average total assets | $155,974,800 | 3,704 |
| Average earning assets | $145,269,800 | 3,649 |
| Average equity | $14,173,800 | 4,075 |
| Average total loans | $82,585,600 | 4,063 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 3,249 |
| Cost of funding earning assets | 0.9234% | 4,248 |
| Net interest margin | 4.0458% | 2,710 |
| Noninterest income to average assets | 0.3605% | 4,983 |
| Noninterest expense to average assets | 2.3026% | 6,025 |
| Loan and lease loss provision to assets | 0.2487% | 3,513 |
| Net operating income to assets | 1.5686% | 818 |
| Return on assets (ROA) | 1.6641% | 748 |
| Pretax return on assets | 1.6710% | 1,201 |
| Return on Equity (ROE) | 18.5411% | 413 |
| Retained earnings to average equity (ytd only) | 12.5301% | 428 |
| Net charge-offs to loans | 0.2184% | 4,069 |
| Credit loss provision to net charge-offs | 214.0741% | 1,351 |
| Earnings coverage of net charge-offs (x) | 15.7033% | 1,447 |
| Efficiency ratio | 55.7965% | 6,309 |
| Assets per employee ($millions) | 4.8354% | 2,421 |
| Cash dividends to net income (ytd only)* | 32.4199% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,532 |
| Loan loss allowance to noncurrent loans | 233.4884% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 6,144 |
| Noncurrent loans to loans | 0.5069% | 5,831 |
| Net loans and leases to total assets | 52.5274% | 5,384 |
| Net loans and leases to deposits | 63.2572% | 5,262 |
| Net loans and leases to core deposits | 75.1452% | 4,304 |
| Total domestic deposits to total assets | 83.0380% | 4,664 |
| Equity capital to assets | 9.5696% | 4,980 |
| Core capital (leverage) ratio | 8.8294% | 5,211 |
| Tier 1 risk-based capital ratio | 13.7130% | 4,564 |
| Total risk-based capital ratio | 14.7364% | 4,715 |
| Memoranda: | ||
| Average total assets | $154,950,000 | 3,741 |
| Average earning assets | $144,246,000 | 3,692 |
| Average equity | $13,907,500 | 4,142 |
| Average total loans | $82,411,750 | 4,108 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9998% | 3,158 |
| Cost of funding earning assets | 0.9372% | 4,412 |
| Net interest margin | 4.0626% | 2,561 |
| Noninterest income to average assets | 0.3624% | 4,977 |
| Noninterest expense to average assets | 2.3414% | 6,028 |
| Loan and lease loss provision to assets | 0.2386% | 3,531 |
| Net operating income to assets | 1.5579% | 794 |
| Return on assets (ROA) | 1.7000% | 652 |
| Pretax return on assets | 1.7052% | 1,048 |
| Return on Equity (ROE) | 19.3855% | 356 |
| Retained earnings to average equity (ytd only) | 12.5173% | 453 |
| Net charge-offs to loans | 0.1936% | 3,993 |
| Credit loss provision to net charge-offs | 231.6456% | 1,297 |
| Earnings coverage of net charge-offs (x) | 17.4937% | 1,298 |
| Efficiency ratio | 56.5135% | 6,361 |
| Assets per employee ($millions) | 4.4872% | 2,863 |
| Cash dividends to net income (ytd only)* | 35.4294% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,762 |
| Loan loss allowance to noncurrent loans | 193.1174% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 6,062 |
| Noncurrent loans to loans | 0.5953% | 5,733 |
| Net loans and leases to total assets | 53.7650% | 5,327 |
| Net loans and leases to deposits | 64.4276% | 5,222 |
| Net loans and leases to core deposits | 77.2249% | 4,161 |
| Total domestic deposits to total assets | 83.4502% | 4,562 |
| Equity capital to assets | 9.3777% | 5,019 |
| Core capital (leverage) ratio | 8.6588% | 5,283 |
| Tier 1 risk-based capital ratio | 12.3281% | 5,496 |
| Total risk-based capital ratio | 13.2336% | 5,770 |
| Memoranda: | ||
| Average total assets | $153,410,670 | 3,792 |
| Average earning assets | $142,765,000 | 3,747 |
| Average equity | $13,453,330 | 4,239 |
| Average total loans | $81,608,670 | 4,162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 3,066 |
| Cost of funding earning assets | 0.9377% | 4,668 |
| Net interest margin | 4.0717% | 2,379 |
| Noninterest income to average assets | 0.3484% | 5,118 |
| Noninterest expense to average assets | 2.3896% | 5,912 |
| Loan and lease loss provision to assets | 0.1300% | 4,377 |
| Net operating income to assets | 1.6147% | 666 |
| Return on assets (ROA) | 1.8331% | 489 |
| Pretax return on assets | 1.8409% | 749 |
| Return on Equity (ROE) | 21.6482% | 260 |
| Retained earnings to average equity (ytd only) | 16.3666% | 307 |
| Net charge-offs to loans | -0.0099% | 6,363 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6899% | 6,302 |
| Assets per employee ($millions) | 4.7858% | 2,448 |
| Cash dividends to net income (ytd only)* | 24.3972% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 6,077 |
| Loan loss allowance to noncurrent loans | 215.2745% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 6,095 |
| Noncurrent loans to loans | 0.5076% | 6,005 |
| Net loans and leases to total assets | 53.3109% | 5,408 |
| Net loans and leases to deposits | 63.2735% | 5,353 |
| Net loans and leases to core deposits | 77.7938% | 4,049 |
| Total domestic deposits to total assets | 84.2548% | 4,385 |
| Equity capital to assets | 8.8263% | 5,455 |
| Core capital (leverage) ratio | 8.1597% | 6,035 |
| Tier 1 risk-based capital ratio | 13.2515% | 4,619 |
| Total risk-based capital ratio | 14.1943% | 4,856 |
| Memoranda: | ||
| Average total assets | $153,834,000 | 3,813 |
| Average earning assets | $143,330,000 | 3,765 |
| Average equity | $13,026,500 | 4,336 |
| Average total loans | $80,923,000 | 4,221 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 3,983 |
| Cost of funding earning assets | 1.0892% | 5,192 |
| Net interest margin | 4.0350% | 2,864 |
| Noninterest income to average assets | 0.4041% | 4,877 |
| Noninterest expense to average assets | 2.6375% | 5,270 |
| Loan and lease loss provision to assets | 0.0875% | 6,278 |
| Net operating income to assets | 1.4003% | 951 |
| Return on assets (ROA) | 1.4639% | 890 |
| Pretax return on assets | 1.4719% | 1,444 |
| Return on Equity (ROE) | 15.9836% | 588 |
| Retained earnings to average equity (ytd only) | 12.7025% | 228 |
| Net charge-offs to loans | -0.0663% | 7,471 |
| Credit loss provision to net charge-offs | -260.8696% | 7,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8193% | 5,383 |
| Assets per employee ($millions) | 4.9846% | 2,174 |
| Cash dividends to net income (ytd only)* | 20.5282% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 6,065 |
| Loan loss allowance to noncurrent loans | 147.3137% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 5,942 |
| Noncurrent loans to loans | 0.7276% | 5,594 |
| Net loans and leases to total assets | 50.7698% | 6,074 |
| Net loans and leases to deposits | 61.9060% | 5,853 |
| Net loans and leases to core deposits | 74.4819% | 4,912 |
| Total domestic deposits to total assets | 82.0111% | 5,187 |
| Equity capital to assets | 8.1127% | 6,368 |
| Core capital (leverage) ratio | 8.4495% | 5,448 |
| Tier 1 risk-based capital ratio | 13.1961% | 4,458 |
| Total risk-based capital ratio | 14.1196% | 4,682 |
| Memoranda: | ||
| Average total assets | $137,101,000 | 4,116 |
| Average earning assets | $126,692,800 | 4,090 |
| Average equity | $12,556,600 | 4,468 |
| Average total loans | $69,382,000 | 4,702 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 3,625 |
| Cost of funding earning assets | 1.1268% | 5,273 |
| Net interest margin | 4.1142% | 2,557 |
| Noninterest income to average assets | 0.4208% | 4,794 |
| Noninterest expense to average assets | 2.7209% | 4,794 |
| Loan and lease loss provision to assets | 0.0803% | 6,243 |
| Net operating income to assets | 1.4082% | 1,087 |
| Return on assets (ROA) | 1.4966% | 1,010 |
| Pretax return on assets | 1.5036% | 1,610 |
| Return on Equity (ROE) | 15.8148% | 731 |
| Retained earnings to average equity (ytd only) | 11.6648% | 502 |
| Net charge-offs to loans | -0.0737% | 7,512 |
| Credit loss provision to net charge-offs | -216.2162% | 6,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5307% | 5,143 |
| Assets per employee ($millions) | 4.1315% | 3,595 |
| Cash dividends to net income (ytd only)* | 26.2416% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,870 |
| Loan loss allowance to noncurrent loans | 138.1034% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 6,362 |
| Noncurrent loans to loans | 0.8085% | 5,599 |
| Net loans and leases to total assets | 52.0317% | 6,099 |
| Net loans and leases to deposits | 60.6892% | 6,252 |
| Net loans and leases to core deposits | 74.1357% | 5,273 |
| Total domestic deposits to total assets | 85.7347% | 3,227 |
| Equity capital to assets | 9.6620% | 4,599 |
| Core capital (leverage) ratio | 8.4991% | 5,508 |
| Tier 1 risk-based capital ratio | 13.8170% | 3,964 |
| Total risk-based capital ratio | 14.7671% | 4,144 |
| Memoranda: | ||
| Average total assets | $132,745,500 | 4,257 |
| Average earning assets | $122,467,500 | 4,232 |
| Average equity | $12,561,750 | 4,534 |
| Average total loans | $66,902,250 | 4,871 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 4,184 |
| Cost of funding earning assets | 1.1318% | 5,507 |
| Net interest margin | 4.0208% | 2,919 |
| Noninterest income to average assets | 0.4287% | 4,685 |
| Noninterest expense to average assets | 2.7518% | 4,697 |
| Loan and lease loss provision to assets | 0.0760% | 6,180 |
| Net operating income to assets | 1.2999% | 1,307 |
| Return on assets (ROA) | 1.4337% | 1,098 |
| Pretax return on assets | 1.4398% | 1,728 |
| Return on Equity (ROE) | 15.2614% | 807 |
| Retained earnings to average equity (ytd only) | 11.6200% | 547 |
| Net charge-offs to loans | -0.0705% | 7,504 |
| Credit loss provision to net charge-offs | -217.3913% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5686% | 4,869 |
| Assets per employee ($millions) | 4.2183% | 3,353 |
| Cash dividends to net income (ytd only)* | 23.8600% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 6,122 |
| Loan loss allowance to noncurrent loans | 117.1827% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 6,253 |
| Noncurrent loans to loans | 0.9065% | 5,466 |
| Net loans and leases to total assets | 52.2299% | 6,186 |
| Net loans and leases to deposits | 64.4428% | 5,980 |
| Net loans and leases to core deposits | 78.7171% | 4,846 |
| Total domestic deposits to total assets | 81.0484% | 5,387 |
| Equity capital to assets | 9.4839% | 4,725 |
| Core capital (leverage) ratio | 8.5810% | 5,272 |
| Tier 1 risk-based capital ratio | 13.0025% | 4,444 |
| Total risk-based capital ratio | 13.8759% | 4,719 |
| Memoranda: | ||
| Average total assets | $131,548,000 | 4,309 |
| Average earning assets | $121,220,670 | 4,286 |
| Average equity | $12,358,000 | 4,585 |
| Average total loans | $65,289,670 | 4,968 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 4,049 |
| Cost of funding earning assets | 1.1395% | 5,707 |
| Net interest margin | 4.0552% | 2,630 |
| Noninterest income to average assets | 0.4406% | 4,560 |
| Noninterest expense to average assets | 2.7636% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3957% | 1,085 |
| Return on assets (ROA) | 1.3957% | 1,159 |
| Pretax return on assets | 1.4049% | 1,765 |
| Return on Equity (ROE) | 14.9308% | 893 |
| Retained earnings to average equity (ytd only) | 12.9532% | 626 |
| Net charge-offs to loans | -0.1477% | 7,607 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2971% | 5,052 |
| Assets per employee ($millions) | 3.9688% | 3,950 |
| Cash dividends to net income (ytd only)* | 13.2450% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 6,014 |
| Loan loss allowance to noncurrent loans | 83.7678% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 5,910 |
| Noncurrent loans to loans | 1.3098% | 4,792 |
| Net loans and leases to total assets | 48.6596% | 6,608 |
| Net loans and leases to deposits | 56.6274% | 6,724 |
| Net loans and leases to core deposits | 67.1992% | 6,183 |
| Total domestic deposits to total assets | 85.9295% | 3,193 |
| Equity capital to assets | 9.4618% | 4,594 |
| Core capital (leverage) ratio | 8.4636% | 5,437 |
| Tier 1 risk-based capital ratio | 13.6056% | 3,922 |
| Total risk-based capital ratio | 14.4846% | 4,130 |
| Memoranda: | ||
| Average total assets | $129,829,000 | 4,416 |
| Average earning assets | $119,352,500 | 4,392 |
| Average equity | $12,136,000 | 4,680 |
| Average total loans | $62,304,500 | 5,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 3,426 |
| Cost of funding earning assets | 1.3968% | 5,946 |
| Net interest margin | 4.2361% | 1,953 |
| Noninterest income to average assets | 0.4858% | 4,521 |
| Noninterest expense to average assets | 2.9380% | 4,395 |
| Loan and lease loss provision to assets | 0.1173% | 6,473 |
| Net operating income to assets | 1.3151% | 1,007 |
| Return on assets (ROA) | 1.4204% | 871 |
| Pretax return on assets | 1.4330% | 1,354 |
| Return on Equity (ROE) | 15.7618% | 577 |
| Retained earnings to average equity (ytd only) | 13.8845% | 123 |
| Net charge-offs to loans | 0.0737% | 6,373 |
| Credit loss provision to net charge-offs | 311.1111% | 1,055 |
| Earnings coverage of net charge-offs (x) | 38.3111% | 619 |
| Efficiency ratio | 67.0489% | 5,171 |
| Assets per employee ($millions) | 4.0215% | 3,777 |
| Cash dividends to net income (ytd only)* | 11.9104% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,711 |
| Loan loss allowance to noncurrent loans | 72.2281% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 5,636 |
| Noncurrent loans to loans | 1.5738% | 4,289 |
| Net loans and leases to total assets | 46.2270% | 6,950 |
| Net loans and leases to deposits | 53.7113% | 7,072 |
| Net loans and leases to core deposits | 79.3684% | 6,156 |
| Total domestic deposits to total assets | 86.0656% | 2,986 |
| Equity capital to assets | 9.2316% | 4,801 |
| Core capital (leverage) ratio | 8.5883% | 5,118 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,592 |
| Total risk-based capital ratio | 14.7619% | 3,759 |
| Memoranda: | ||
| Average total assets | $119,402,200 | 4,588 |
| Average earning assets | $109,819,000 | 4,568 |
| Average equity | $10,760,200 | 5,089 |
| Average total loans | $61,091,200 | 5,203 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 3,196 |
| Cost of funding earning assets | 1.4720% | 5,949 |
| Net interest margin | 4.2565% | 1,852 |
| Noninterest income to average assets | 0.4931% | 4,542 |
| Noninterest expense to average assets | 2.9472% | 4,245 |
| Loan and lease loss provision to assets | 0.1196% | 6,170 |
| Net operating income to assets | 1.3384% | 1,145 |
| Return on assets (ROA) | 1.4816% | 907 |
| Pretax return on assets | 1.4929% | 1,434 |
| Return on Equity (ROE) | 16.5513% | 592 |
| Retained earnings to average equity (ytd only) | 13.9815% | 195 |
| Net charge-offs to loans | 0.0935% | 5,745 |
| Credit loss provision to net charge-offs | 244.1860% | 1,779 |
| Earnings coverage of net charge-offs (x) | 29.9777% | 937 |
| Efficiency ratio | 66.7526% | 5,236 |
| Assets per employee ($millions) | 3.6837% | 4,466 |
| Cash dividends to net income (ytd only)* | 15.5267% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 6,291 |
| Loan loss allowance to noncurrent loans | 100.1538% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 6,081 |
| Noncurrent loans to loans | 0.9982% | 5,306 |
| Net loans and leases to total assets | 54.6866% | 6,305 |
| Net loans and leases to deposits | 64.7801% | 6,418 |
| Net loans and leases to core deposits | 98.8833% | 4,500 |
| Total domestic deposits to total assets | 84.4188% | 3,522 |
| Equity capital to assets | 9.7218% | 4,469 |
| Core capital (leverage) ratio | 8.6293% | 5,260 |
| Tier 1 risk-based capital ratio | 12.9480% | 4,227 |
| Total risk-based capital ratio | 13.7779% | 4,473 |
| Memoranda: | ||
| Average total assets | $117,080,500 | 4,668 |
| Average earning assets | $107,879,250 | 4,654 |
| Average equity | $10,480,250 | 5,210 |
| Average total loans | $61,320,750 | 5,228 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7086% | 3,487 |
| Cost of funding earning assets | 1.5284% | 6,024 |
| Net interest margin | 4.1803% | 2,061 |
| Noninterest income to average assets | 0.4811% | 4,619 |
| Noninterest expense to average assets | 2.9534% | 4,278 |
| Loan and lease loss provision to assets | 0.1798% | 5,246 |
| Net operating income to assets | 1.1939% | 1,493 |
| Return on assets (ROA) | 1.2447% | 1,447 |
| Pretax return on assets | 1.2533% | 2,153 |
| Return on Equity (ROE) | 14.3199% | 939 |
| Retained earnings to average equity (ytd only) | 11.5229% | 499 |
| Net charge-offs to loans | 0.0932% | 5,251 |
| Credit loss provision to net charge-offs | 375.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 28.8214% | 1,025 |
| Efficiency ratio | 68.1280% | 5,134 |
| Assets per employee ($millions) | 3.6400% | 4,472 |
| Cash dividends to net income (ytd only)* | 19.5323% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 6,033 |
| Loan loss allowance to noncurrent loans | 128.8201% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 6,381 |
| Noncurrent loans to loans | 0.7980% | 5,637 |
| Net loans and leases to total assets | 53.3816% | 6,524 |
| Net loans and leases to deposits | 66.3130% | 6,360 |
| Net loans and leases to core deposits | 102.2859% | 4,264 |
| Total domestic deposits to total assets | 80.4995% | 5,276 |
| Equity capital to assets | 8.7562% | 5,672 |
| Core capital (leverage) ratio | 8.2291% | 5,926 |
| Tier 1 risk-based capital ratio | 12.1263% | 4,825 |
| Total risk-based capital ratio | 12.9640% | 5,114 |
| Memoranda: | ||
| Average total assets | $116,814,330 | 4,712 |
| Average earning assets | $107,696,670 | 4,687 |
| Average equity | $10,153,670 | 5,315 |
| Average total loans | $60,056,000 | 5,331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6908% | 3,853 |
| Cost of funding earning assets | 1.5722% | 6,152 |
| Net interest margin | 4.1186% | 2,216 |
| Noninterest income to average assets | 0.4793% | 4,514 |
| Noninterest expense to average assets | 2.6155% | 5,388 |
| Loan and lease loss provision to assets | 0.0868% | 5,850 |
| Net operating income to assets | 1.5734% | 821 |
| Return on assets (ROA) | 1.6776% | 743 |
| Pretax return on assets | 1.6846% | 1,207 |
| Return on Equity (ROE) | 19.3752% | 471 |
| Retained earnings to average equity (ytd only) | 19.3752% | 182 |
| Net charge-offs to loans | 0.0416% | 4,900 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 523 |
| Efficiency ratio | 61.0706% | 6,243 |
| Assets per employee ($millions) | 3.9197% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 6,061 |
| Loan loss allowance to noncurrent loans | 80.5298% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 5,565 |
| Noncurrent loans to loans | 1.2631% | 4,457 |
| Net loans and leases to total assets | 50.3147% | 6,836 |
| Net loans and leases to deposits | 59.1012% | 6,965 |
| Net loans and leases to core deposits | 84.9608% | 5,983 |
| Total domestic deposits to total assets | 85.1331% | 3,139 |
| Equity capital to assets | 8.7176% | 5,738 |
| Core capital (leverage) ratio | 8.3529% | 5,806 |
| Tier 1 risk-based capital ratio | 12.7088% | 4,381 |
| Total risk-based capital ratio | 13.5188% | 4,641 |
| Memoranda: | ||
| Average total assets | $115,161,500 | 4,771 |
| Average earning assets | $106,346,500 | 4,740 |
| Average equity | $9,971,500 | 5,394 |
| Average total loans | $57,690,000 | 5,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0815% | 5,138 |
| Cost of funding earning assets | 2.2626% | 5,329 |
| Net interest margin | 3.8190% | 3,944 |
| Noninterest income to average assets | 0.4899% | 4,693 |
| Noninterest expense to average assets | 2.9471% | 4,270 |
| Loan and lease loss provision to assets | 0.0503% | 6,784 |
| Net operating income to assets | 1.0046% | 2,539 |
| Return on assets (ROA) | 1.0112% | 2,392 |
| Pretax return on assets | 1.0216% | 3,306 |
| Return on Equity (ROE) | 11.8205% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.6483% | 1,279 |
| Net charge-offs to loans | 0.0160% | 6,654 |
| Credit loss provision to net charge-offs | 662.5000% | 645 |
| Earnings coverage of net charge-offs (x) | 140.2500% | 323 |
| Efficiency ratio | 73.4501% | 3,672 |
| Assets per employee ($millions) | 3.7578% | 4,044 |
| Cash dividends to net income (ytd only)* | 43.7559% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,551 |
| Loan loss allowance to noncurrent loans | 81.4661% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 5,296 |
| Noncurrent loans to loans | 1.3002% | 3,912 |
| Net loans and leases to total assets | 48.8038% | 7,123 |
| Net loans and leases to deposits | 58.3597% | 7,185 |
| Net loans and leases to core deposits | 84.5728% | 6,247 |
| Total domestic deposits to total assets | 83.6259% | 3,518 |
| Equity capital to assets | 8.5973% | 5,944 |
| Core capital (leverage) ratio | 8.2312% | 6,103 |
| Tier 1 risk-based capital ratio | 12.8305% | 4,196 |
| Total risk-based capital ratio | 13.6650% | 4,394 |
| Memoranda: | ||
| Average total assets | $105,325,200 | 4,891 |
| Average earning assets | $97,146,400 | 4,888 |
| Average equity | $9,009,800 | 5,735 |
| Average total loans | $49,855,000 | 5,713 |