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 | 5.1860% | 1,698 |
| Cost of funding earning assets | 2.3322% | 516 |
| Net interest margin | 2.8538% | 3,567 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 2.1952% | 3,144 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.6440% | 3,324 |
| Return on assets (ROA) | 0.6440% | 3,306 |
| Pretax return on assets | 0.6440% | 3,550 |
| Return on Equity (ROE) | 7.4900% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.7034% | 3,376 |
| Net charge-offs to loans | 0.1036% | 883 |
| Credit loss provision to net charge-offs | 152.2427% | 1,460 |
| Earnings coverage of net charge-offs (x) | 9.0660% | 2,314 |
| Efficiency ratio | 73.4790% | 1,508 |
| Assets per employee ($millions) | 10.3986% | 635 |
| Cash dividends to net income (ytd only)* | 63.9035% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 3,854 |
| Loan loss allowance to noncurrent loans | 339.0292% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 2,194 |
| Noncurrent loans to loans | 0.2506% | 2,299 |
| Net loans and leases to total assets | 81.6900% | 461 |
| Net loans and leases to deposits | 103.9593% | 361 |
| Net loans and leases to core deposits | 130.9815% | 383 |
| Total domestic deposits to total assets | 78.5800% | 3,664 |
| Equity capital to assets | 8.9564% | 2,708 |
| Core capital (leverage) ratio | 9.7101% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3025% | 2,129 |
| Memoranda: | ||
| Average total assets | $1,331,905,000 | 785 |
| Average earning assets | $1,271,267,200 | 755 |
| Average equity | $114,524,200 | 860 |
| Average total loans | $1,097,512,200 | 678 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 1,600 |
| Cost of funding earning assets | 2.1408% | 557 |
| Net interest margin | 2.9759% | 3,387 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 2.2492% | 2,947 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.7166% | 3,273 |
| Return on assets (ROA) | 0.7166% | 3,259 |
| Pretax return on assets | 0.7166% | 3,517 |
| Return on Equity (ROE) | 8.4300% | 3,076 |
| Retained earnings to average equity (ytd only) | 2.0370% | 3,723 |
| Net charge-offs to loans | -0.0037% | 3,686 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.1191% | 1,552 |
| Assets per employee ($millions) | 9.8000% | 716 |
| Cash dividends to net income (ytd only)* | 75.8472% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 3,607 |
| Loan loss allowance to noncurrent loans | 605.3581% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 2,706 |
| Noncurrent loans to loans | 0.1549% | 2,779 |
| Net loans and leases to total assets | 81.7600% | 458 |
| Net loans and leases to deposits | 103.6259% | 366 |
| Net loans and leases to core deposits | 130.8916% | 331 |
| Total domestic deposits to total assets | 78.9000% | 3,709 |
| Equity capital to assets | 8.3452% | 2,831 |
| Core capital (leverage) ratio | 9.2438% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3342% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,295,729,750 | 810 |
| Average earning assets | $1,235,810,250 | 777 |
| Average equity | $110,092,500 | 882 |
| Average total loans | $1,067,737,750 | 695 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 1,551 |
| Cost of funding earning assets | 1.8966% | 612 |
| Net interest margin | 3.1119% | 3,194 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.3065% | 2,786 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7836% | 3,132 |
| Return on assets (ROA) | 0.7836% | 3,145 |
| Pretax return on assets | 0.7836% | 3,431 |
| Return on Equity (ROE) | 9.1600% | 2,940 |
| Retained earnings to average equity (ytd only) | 1.3721% | 3,848 |
| Net charge-offs to loans | -0.0159% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.9955% | 1,672 |
| Assets per employee ($millions) | 8.7486% | 984 |
| Cash dividends to net income (ytd only)* | 85.0204% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 3,603 |
| Loan loss allowance to noncurrent loans | 1,281.8945% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 3,151 |
| Noncurrent loans to loans | 0.0743% | 3,155 |
| Net loans and leases to total assets | 81.4600% | 475 |
| Net loans and leases to deposits | 101.6637% | 447 |
| Net loans and leases to core deposits | 124.9709% | 414 |
| Total domestic deposits to total assets | 80.1200% | 3,563 |
| Equity capital to assets | 8.3188% | 3,010 |
| Core capital (leverage) ratio | 9.3075% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6268% | 2,728 |
| Memoranda: | ||
| Average total assets | $1,250,708,667 | 823 |
| Average earning assets | $1,191,170,333 | 793 |
| Average equity | $106,989,333 | 892 |
| Average total loans | $1,030,012,667 | 694 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 1,393 |
| Cost of funding earning assets | 1.6263% | 668 |
| Net interest margin | 3.2836% | 2,922 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.3249% | 2,746 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8991% | 2,856 |
| Return on assets (ROA) | 0.8991% | 2,815 |
| Pretax return on assets | 0.8991% | 3,238 |
| Return on Equity (ROE) | 10.3500% | 2,682 |
| Retained earnings to average equity (ytd only) | -0.5476% | 4,091 |
| Net charge-offs to loans | -0.0045% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.5598% | 1,910 |
| Assets per employee ($millions) | 8.0033% | 1,337 |
| Cash dividends to net income (ytd only)* | 105.2926% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,505 |
| Loan loss allowance to noncurrent loans | 1,050.2062% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 3,007 |
| Noncurrent loans to loans | 0.0955% | 3,069 |
| Net loans and leases to total assets | 81.5600% | 411 |
| Net loans and leases to deposits | 102.0487% | 358 |
| Net loans and leases to core deposits | 119.4336% | 452 |
| Total domestic deposits to total assets | 79.9200% | 3,771 |
| Equity capital to assets | 8.5003% | 2,890 |
| Core capital (leverage) ratio | 9.3341% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7493% | 2,801 |
| Memoranda: | ||
| Average total assets | $1,193,675,500 | 869 |
| Average earning assets | $1,134,359,000 | 842 |
| Average equity | $103,717,500 | 923 |
| Average total loans | $983,818,000 | 736 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 464 |
| Cost of funding earning assets | 0.5981% | 910 |
| Net interest margin | 4.1551% | 603 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.9406% | 1,063 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.2852% | 1,485 |
| Return on assets (ROA) | 1.2852% | 1,440 |
| Pretax return on assets | 1.2852% | 2,138 |
| Return on Equity (ROE) | 13.8100% | 1,572 |
| Retained earnings to average equity (ytd only) | 7.8686% | 1,890 |
| Net charge-offs to loans | 0.0545% | 1,116 |
| Credit loss provision to net charge-offs | 580.1339% | 620 |
| Earnings coverage of net charge-offs (x) | 35.9955% | 1,569 |
| Efficiency ratio | 65.3624% | 2,310 |
| Assets per employee ($millions) | 7.3092% | 1,750 |
| Cash dividends to net income (ytd only)* | 43.0398% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,312 |
| Loan loss allowance to noncurrent loans | 2,806.0533% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,444 |
| Noncurrent loans to loans | 0.0434% | 3,452 |
| Net loans and leases to total assets | 81.4500% | 456 |
| Net loans and leases to deposits | 103.1314% | 331 |
| Net loans and leases to core deposits | 116.0237% | 444 |
| Total domestic deposits to total assets | 78.9800% | 4,006 |
| Equity capital to assets | 8.8902% | 2,422 |
| Core capital (leverage) ratio | 9.7152% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9925% | 2,739 |
| Memoranda: | ||
| Average total assets | $1,052,505,400 | 940 |
| Average earning assets | $995,687,000 | 912 |
| Average equity | $97,921,200 | 959 |
| Average total loans | $822,458,200 | 807 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6194% | 411 |
| Cost of funding earning assets | 0.5037% | 744 |
| Net interest margin | 4.1157% | 501 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 3.1110% | 771 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2468% | 1,533 |
| Return on assets (ROA) | 1.2468% | 1,504 |
| Pretax return on assets | 1.2468% | 2,215 |
| Return on Equity (ROE) | 13.2400% | 1,631 |
| Retained earnings to average equity (ytd only) | 5.4223% | 2,947 |
| Net charge-offs to loans | -0.0083% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.6411% | 1,935 |
| Assets per employee ($millions) | 6.8096% | 2,086 |
| Cash dividends to net income (ytd only)* | 59.0336% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,451 |
| Loan loss allowance to noncurrent loans | 870.2128% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 2,806 |
| Noncurrent loans to loans | 0.1396% | 2,931 |
| Net loans and leases to total assets | 81.9300% | 377 |
| Net loans and leases to deposits | 93.5699% | 664 |
| Net loans and leases to core deposits | 102.0302% | 743 |
| Total domestic deposits to total assets | 87.5500% | 2,579 |
| Equity capital to assets | 9.2115% | 2,069 |
| Core capital (leverage) ratio | 9.2342% | 3,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5890% | 2,627 |
| Memoranda: | ||
| Average total assets | $1,026,919,750 | 963 |
| Average earning assets | $970,142,250 | 938 |
| Average equity | $96,734,500 | 977 |
| Average total loans | $790,024,250 | 828 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 525 |
| Cost of funding earning assets | 0.4505% | 690 |
| Net interest margin | 3.8524% | 671 |
| Noninterest income to average assets | 0.6766% | 1,438 |
| Noninterest expense to average assets | 2.9540% | 904 |
| Loan and lease loss provision to assets | 0.1522% | 624 |
| Net operating income to assets | 1.2048% | 1,408 |
| Return on assets (ROA) | 1.2048% | 1,393 |
| Pretax return on assets | 1.2048% | 2,060 |
| Return on Equity (ROE) | 12.6933% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.8542% | 3,142 |
| Net charge-offs to loans | -0.0076% | 3,484 |
| Credit loss provision to net charge-offs | -2,668.9655% | 3,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1122% | 2,225 |
| Assets per employee ($millions) | 6.6580% | 2,203 |
| Cash dividends to net income (ytd only)* | 69.6362% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,237 |
| Loan loss allowance to noncurrent loans | 1,291.4250% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,220 |
| Noncurrent loans to loans | 0.0999% | 3,258 |
| Net loans and leases to total assets | 74.4943% | 864 |
| Net loans and leases to deposits | 85.0776% | 1,050 |
| Net loans and leases to core deposits | 94.3092% | 899 |
| Total domestic deposits to total assets | 87.5604% | 2,741 |
| Equity capital to assets | 9.0336% | 2,364 |
| Core capital (leverage) ratio | 9.0967% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2111% | 2,406 |
| Memoranda: | ||
| Average total assets | $1,017,398,333 | 959 |
| Average earning assets | $959,814,667 | 947 |
| Average equity | $96,570,667 | 983 |
| Average total loans | $761,585,667 | 835 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 767 |
| Cost of funding earning assets | 0.4480% | 667 |
| Net interest margin | 3.5564% | 972 |
| Noninterest income to average assets | 0.7515% | 1,169 |
| Noninterest expense to average assets | 2.8713% | 1,014 |
| Loan and lease loss provision to assets | 0.1460% | 545 |
| Net operating income to assets | 1.0807% | 1,576 |
| Return on assets (ROA) | 1.0807% | 1,575 |
| Pretax return on assets | 1.0807% | 2,203 |
| Return on Equity (ROE) | 11.1033% | 1,586 |
| Retained earnings to average equity (ytd only) | -1.3191% | 4,176 |
| Net charge-offs to loans | -0.0123% | 3,670 |
| Credit loss provision to net charge-offs | -1,586.9565% | 3,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6272% | 2,285 |
| Assets per employee ($millions) | 6.4697% | 2,406 |
| Cash dividends to net income (ytd only)* | 111.8801% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 2,281 |
| Loan loss allowance to noncurrent loans | 1,186.8357% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,275 |
| Noncurrent loans to loans | 0.1107% | 3,280 |
| Net loans and leases to total assets | 71.2761% | 901 |
| Net loans and leases to deposits | 82.0049% | 1,012 |
| Net loans and leases to core deposits | 91.2592% | 855 |
| Total domestic deposits to total assets | 86.9170% | 2,960 |
| Equity capital to assets | 9.2549% | 2,479 |
| Core capital (leverage) ratio | 9.1356% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5552% | 2,393 |
| Memoranda: | ||
| Average total assets | $1,000,113,500 | 983 |
| Average earning assets | $941,071,000 | 971 |
| Average equity | $97,340,500 | 1,007 |
| Average total loans | $745,430,000 | 837 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 608 |
| Cost of funding earning assets | 0.5893% | 575 |
| Net interest margin | 3.9008% | 853 |
| Noninterest income to average assets | 1.2209% | 712 |
| Noninterest expense to average assets | 3.3450% | 588 |
| Loan and lease loss provision to assets | 0.1435% | 833 |
| Net operating income to assets | 1.3681% | 1,383 |
| Return on assets (ROA) | 1.3681% | 1,433 |
| Pretax return on assets | 1.3681% | 2,149 |
| Return on Equity (ROE) | 13.7154% | 1,261 |
| Retained earnings to average equity (ytd only) | 8.1440% | 1,482 |
| Net charge-offs to loans | -0.0036% | 3,471 |
| Credit loss provision to net charge-offs | -5,142.3077% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4780% | 1,925 |
| Assets per employee ($millions) | 6.0317% | 2,734 |
| Cash dividends to net income (ytd only)* | 40.6213% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,501 |
| Loan loss allowance to noncurrent loans | 2,247.1429% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,693 |
| Noncurrent loans to loans | 0.0565% | 3,674 |
| Net loans and leases to total assets | 76.0333% | 518 |
| Net loans and leases to deposits | 89.0892% | 603 |
| Net loans and leases to core deposits | 100.4199% | 520 |
| Total domestic deposits to total assets | 85.3452% | 3,155 |
| Equity capital to assets | 10.2457% | 2,423 |
| Core capital (leverage) ratio | 9.4569% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8429% | 2,305 |
| Memoranda: | ||
| Average total assets | $931,750,800 | 1,016 |
| Average earning assets | $868,416,800 | 1,013 |
| Average equity | $92,939,200 | 1,073 |
| Average total loans | $725,264,000 | 852 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 718 |
| Cost of funding earning assets | 0.6180% | 584 |
| Net interest margin | 3.8466% | 1,026 |
| Noninterest income to average assets | 1.2823% | 709 |
| Noninterest expense to average assets | 3.4029% | 529 |
| Loan and lease loss provision to assets | 0.1356% | 840 |
| Net operating income to assets | 1.3224% | 1,749 |
| Return on assets (ROA) | 1.3224% | 1,809 |
| Pretax return on assets | 1.3224% | 2,567 |
| Return on Equity (ROE) | 13.3528% | 1,596 |
| Retained earnings to average equity (ytd only) | 6.3491% | 2,676 |
| Net charge-offs to loans | -0.0015% | 3,174 |
| Credit loss provision to net charge-offs | -11,737.5000% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6043% | 1,642 |
| Assets per employee ($millions) | 5.8106% | 2,878 |
| Cash dividends to net income (ytd only)* | 52.4511% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,841 |
| Loan loss allowance to noncurrent loans | 343.3955% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 2,400 |
| Noncurrent loans to loans | 0.3581% | 2,494 |
| Net loans and leases to total assets | 75.5687% | 579 |
| Net loans and leases to deposits | 88.6103% | 682 |
| Net loans and leases to core deposits | 100.1555% | 579 |
| Total domestic deposits to total assets | 85.2820% | 3,018 |
| Equity capital to assets | 10.0120% | 2,889 |
| Core capital (leverage) ratio | 9.3722% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0814% | 2,330 |
| Memoranda: | ||
| Average total assets | $923,421,000 | 1,033 |
| Average earning assets | $859,092,000 | 1,033 |
| Average equity | $91,454,500 | 1,100 |
| Average total loans | $720,776,750 | 871 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 783 |
| Cost of funding earning assets | 0.6552% | 550 |
| Net interest margin | 3.7956% | 1,143 |
| Noninterest income to average assets | 1.2856% | 705 |
| Noninterest expense to average assets | 3.3855% | 546 |
| Loan and lease loss provision to assets | 0.1373% | 890 |
| Net operating income to assets | 1.2917% | 1,895 |
| Return on assets (ROA) | 1.2917% | 1,966 |
| Pretax return on assets | 1.2917% | 2,656 |
| Return on Equity (ROE) | 13.0927% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.0476% | 3,165 |
| Net charge-offs to loans | -0.0053% | 3,452 |
| Credit loss provision to net charge-offs | -3,294.7368% | 3,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9080% | 1,651 |
| Assets per employee ($millions) | 5.9851% | 2,628 |
| Cash dividends to net income (ytd only)* | 61.4470% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 2,878 |
| Loan loss allowance to noncurrent loans | 553.2995% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 3,144 |
| Noncurrent loans to loans | 0.2185% | 3,171 |
| Net loans and leases to total assets | 75.8390% | 606 |
| Net loans and leases to deposits | 89.3522% | 690 |
| Net loans and leases to core deposits | 101.2586% | 621 |
| Total domestic deposits to total assets | 84.8765% | 3,150 |
| Equity capital to assets | 9.9955% | 2,853 |
| Core capital (leverage) ratio | 9.2986% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1875% | 2,297 |
| Memoranda: | ||
| Average total assets | $911,646,667 | 1,040 |
| Average earning assets | $847,616,333 | 1,040 |
| Average equity | $89,943,000 | 1,106 |
| Average total loans | $716,525,333 | 880 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 1,015 |
| Cost of funding earning assets | 0.7127% | 523 |
| Net interest margin | 3.6080% | 1,563 |
| Noninterest income to average assets | 1.4986% | 599 |
| Noninterest expense to average assets | 3.4638% | 492 |
| Loan and lease loss provision to assets | 0.1395% | 962 |
| Net operating income to assets | 1.2317% | 2,041 |
| Return on assets (ROA) | 1.2317% | 2,124 |
| Pretax return on assets | 1.2317% | 2,756 |
| Return on Equity (ROE) | 12.5704% | 1,805 |
| Retained earnings to average equity (ytd only) | -0.2683% | 4,388 |
| Net charge-offs to loans | -0.0140% | 3,828 |
| Credit loss provision to net charge-offs | -1,252.0000% | 3,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2258% | 1,577 |
| Assets per employee ($millions) | 5.8967% | 2,702 |
| Cash dividends to net income (ytd only)* | 102.1346% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 3,123 |
| Loan loss allowance to noncurrent loans | 408.0019% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 3,006 |
| Noncurrent loans to loans | 0.2855% | 3,079 |
| Net loans and leases to total assets | 79.1155% | 393 |
| Net loans and leases to deposits | 93.1593% | 535 |
| Net loans and leases to core deposits | 106.0697% | 508 |
| Total domestic deposits to total assets | 84.9250% | 3,130 |
| Equity capital to assets | 9.7722% | 2,930 |
| Core capital (leverage) ratio | 9.2480% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6252% | 2,437 |
| Memoranda: | ||
| Average total assets | $897,639,000 | 1,041 |
| Average earning assets | $830,033,500 | 1,047 |
| Average equity | $87,952,500 | 1,116 |
| Average total loans | $714,113,000 | 884 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 1,770 |
| Cost of funding earning assets | 0.8718% | 941 |
| Net interest margin | 3.4601% | 2,597 |
| Noninterest income to average assets | 1.3692% | 625 |
| Noninterest expense to average assets | 3.2256% | 1,009 |
| Loan and lease loss provision to assets | 0.2734% | 1,405 |
| Net operating income to assets | 1.1392% | 1,767 |
| Return on assets (ROA) | 1.1395% | 1,892 |
| Pretax return on assets | 1.1395% | 2,551 |
| Return on Equity (ROE) | 11.6564% | 1,427 |
| Retained earnings to average equity (ytd only) | 7.4811% | 1,203 |
| Net charge-offs to loans | 0.0221% | 2,612 |
| Credit loss provision to net charge-offs | 1,541.3793% | 539 |
| Earnings coverage of net charge-offs (x) | 79.6483% | 901 |
| Efficiency ratio | 69.2018% | 2,063 |
| Assets per employee ($millions) | 5.9539% | 2,378 |
| Cash dividends to net income (ytd only)* | 35.8201% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,234 |
| Loan loss allowance to noncurrent loans | 197.9652% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 2,117 |
| Noncurrent loans to loans | 0.5777% | 2,253 |
| Net loans and leases to total assets | 78.1520% | 594 |
| Net loans and leases to deposits | 97.1071% | 499 |
| Net loans and leases to core deposits | 111.6577% | 465 |
| Total domestic deposits to total assets | 80.4802% | 3,962 |
| Equity capital to assets | 9.8244% | 3,290 |
| Core capital (leverage) ratio | 9.5140% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4764% | 2,457 |
| Memoranda: | ||
| Average total assets | $817,578,200 | 1,036 |
| Average earning assets | $772,436,400 | 1,018 |
| Average equity | $79,921,600 | 1,162 |
| Average total loans | $657,184,000 | 910 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6814% | 1,101 |
| Cost of funding earning assets | 0.9657% | 859 |
| Net interest margin | 3.7157% | 1,892 |
| Noninterest income to average assets | 1.3006% | 643 |
| Noninterest expense to average assets | 3.4580% | 744 |
| Loan and lease loss provision to assets | 0.2523% | 1,609 |
| Net operating income to assets | 1.0994% | 1,980 |
| Return on assets (ROA) | 1.0998% | 2,107 |
| Pretax return on assets | 1.0998% | 2,747 |
| Return on Equity (ROE) | 11.2660% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.6877% | 2,247 |
| Net charge-offs to loans | 0.0060% | 2,925 |
| Credit loss provision to net charge-offs | 5,206.8966% | 220 |
| Earnings coverage of net charge-offs (x) | 279.2069% | 384 |
| Efficiency ratio | 71.6021% | 1,690 |
| Assets per employee ($millions) | 5.7758% | 2,475 |
| Cash dividends to net income (ytd only)* | 49.5143% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 3,341 |
| Loan loss allowance to noncurrent loans | 201.2126% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 2,352 |
| Noncurrent loans to loans | 0.5337% | 2,465 |
| Net loans and leases to total assets | 79.3902% | 670 |
| Net loans and leases to deposits | 101.6152% | 467 |
| Net loans and leases to core deposits | 116.8471% | 482 |
| Total domestic deposits to total assets | 78.1283% | 4,179 |
| Equity capital to assets | 9.6086% | 3,597 |
| Core capital (leverage) ratio | 9.2896% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1501% | 2,563 |
| Memoranda: | ||
| Average total assets | $798,703,250 | 1,042 |
| Average earning assets | $754,285,000 | 1,021 |
| Average equity | $77,967,000 | 1,171 |
| Average total loans | $644,971,750 | 920 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8648% | 1,031 |
| Cost of funding earning assets | 0.9671% | 1,081 |
| Net interest margin | 3.8977% | 1,575 |
| Noninterest income to average assets | 1.2000% | 696 |
| Noninterest expense to average assets | 3.4831% | 762 |
| Loan and lease loss provision to assets | 0.3193% | 1,341 |
| Net operating income to assets | 1.0794% | 2,035 |
| Return on assets (ROA) | 1.0799% | 2,157 |
| Pretax return on assets | 1.0799% | 2,775 |
| Return on Equity (ROE) | 10.9989% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.0364% | 2,888 |
| Net charge-offs to loans | 0.0293% | 2,130 |
| Credit loss provision to net charge-offs | 1,346.7391% | 651 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 975 |
| Efficiency ratio | 70.7838% | 1,849 |
| Assets per employee ($millions) | 5.9351% | 2,243 |
| Cash dividends to net income (ytd only)* | 63.3023% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0656% | 3,254 |
| Loan loss allowance to noncurrent loans | 205.6805% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 2,531 |
| Noncurrent loans to loans | 0.5181% | 2,606 |
| Net loans and leases to total assets | 78.5814% | 776 |
| Net loans and leases to deposits | 99.3646% | 590 |
| Net loans and leases to core deposits | 114.1763% | 588 |
| Total domestic deposits to total assets | 79.0839% | 4,027 |
| Equity capital to assets | 9.6308% | 3,539 |
| Core capital (leverage) ratio | 9.0214% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7074% | 2,729 |
| Memoranda: | ||
| Average total assets | $776,149,000 | 1,051 |
| Average earning assets | $733,144,333 | 1,031 |
| Average equity | $76,207,333 | 1,184 |
| Average total loans | $628,203,333 | 932 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 1,020 |
| Cost of funding earning assets | 1.0623% | 1,174 |
| Net interest margin | 3.9102% | 1,646 |
| Noninterest income to average assets | 1.1466% | 665 |
| Noninterest expense to average assets | 3.5717% | 842 |
| Loan and lease loss provision to assets | 0.1602% | 1,805 |
| Net operating income to assets | 1.1783% | 1,586 |
| Return on assets (ROA) | 1.1783% | 1,709 |
| Pretax return on assets | 1.1783% | 2,276 |
| Return on Equity (ROE) | 12.6085% | 954 |
| Retained earnings to average equity (ytd only) | -1.0192% | 4,145 |
| Net charge-offs to loans | -0.0164% | 4,259 |
| Credit loss provision to net charge-offs | -1,057.1429% | 3,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7406% | 1,967 |
| Assets per employee ($millions) | 5.8146% | 1,825 |
| Cash dividends to net income (ytd only)* | 108.0833% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 2,840 |
| Loan loss allowance to noncurrent loans | 404.2180% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,200 |
| Noncurrent loans to loans | 0.2886% | 3,462 |
| Net loans and leases to total assets | 90.7580% | 23 |
| Net loans and leases to deposits | 117.0992% | 104 |
| Net loans and leases to core deposits | 138.9380% | 178 |
| Total domestic deposits to total assets | 77.5052% | 4,296 |
| Equity capital to assets | 8.8571% | 4,671 |
| Core capital (leverage) ratio | 9.7695% | 3,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9597% | 3,111 |
| Memoranda: | ||
| Average total assets | $554,357,000 | 1,348 |
| Average earning assets | $533,580,000 | 1,303 |
| Average equity | $51,806,500 | 1,606 |
| Average total loans | $512,489,500 | 1,076 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 939 |
| Cost of funding earning assets | 1.1427% | 1,183 |
| Net interest margin | 4.0820% | 1,586 |
| Noninterest income to average assets | 1.0712% | 829 |
| Noninterest expense to average assets | 3.5331% | 919 |
| Loan and lease loss provision to assets | 0.1790% | 1,167 |
| Net operating income to assets | 1.2791% | 1,774 |
| Return on assets (ROA) | 1.2791% | 1,847 |
| Pretax return on assets | 1.2791% | 2,577 |
| Return on Equity (ROE) | 12.9692% | 1,177 |
| Retained earnings to average equity (ytd only) | 6.1958% | 1,771 |
| Net charge-offs to loans | 0.1596% | 1,261 |
| Credit loss provision to net charge-offs | 121.4765% | 2,090 |
| Earnings coverage of net charge-offs (x) | 9.8940% | 2,617 |
| Efficiency ratio | 70.7859% | 2,053 |
| Assets per employee ($millions) | 5.1692% | 2,372 |
| Cash dividends to net income (ytd only)* | 52.2270% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,329 |
| Loan loss allowance to noncurrent loans | 310.1554% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 2,729 |
| Noncurrent loans to loans | 0.3930% | 3,027 |
| Net loans and leases to total assets | 91.9941% | 16 |
| Net loans and leases to deposits | 113.9349% | 129 |
| Net loans and leases to core deposits | 134.1640% | 227 |
| Total domestic deposits to total assets | 80.7427% | 3,820 |
| Equity capital to assets | 9.8838% | 4,027 |
| Core capital (leverage) ratio | 9.9531% | 3,565 |
| Tier 1 risk-based capital ratio | 11.7697% | 4,485 |
| Total risk-based capital ratio | 13.0213% | 4,362 |
| Memoranda: | ||
| Average total assets | $505,504,200 | 1,412 |
| Average earning assets | $485,449,400 | 1,369 |
| Average equity | $49,856,400 | 1,606 |
| Average total loans | $466,800,200 | 1,135 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2124% | 1,021 |
| Cost of funding earning assets | 1.1270% | 1,255 |
| Net interest margin | 4.0854% | 1,656 |
| Noninterest income to average assets | 1.1092% | 739 |
| Noninterest expense to average assets | 3.5560% | 897 |
| Loan and lease loss provision to assets | 0.1560% | 1,202 |
| Net operating income to assets | 1.3203% | 1,768 |
| Return on assets (ROA) | 1.3203% | 1,843 |
| Pretax return on assets | 1.3203% | 2,596 |
| Return on Equity (ROE) | 13.3946% | 1,143 |
| Retained earnings to average equity (ytd only) | 4.8282% | 2,971 |
| Net charge-offs to loans | 0.1360% | 1,181 |
| Credit loss provision to net charge-offs | 124.4681% | 1,891 |
| Earnings coverage of net charge-offs (x) | 11.7809% | 2,417 |
| Efficiency ratio | 70.6633% | 2,029 |
| Assets per employee ($millions) | 5.3518% | 2,171 |
| Cash dividends to net income (ytd only)* | 63.9540% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,536 |
| Loan loss allowance to noncurrent loans | 185.2510% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 2,032 |
| Noncurrent loans to loans | 0.6455% | 2,342 |
| Net loans and leases to total assets | 92.6465% | 14 |
| Net loans and leases to deposits | 117.8562% | 109 |
| Net loans and leases to core deposits | 138.5209% | 203 |
| Total domestic deposits to total assets | 78.6098% | 4,245 |
| Equity capital to assets | 9.5912% | 4,397 |
| Core capital (leverage) ratio | 9.7715% | 3,887 |
| Tier 1 risk-based capital ratio | 11.3240% | 4,751 |
| Total risk-based capital ratio | 12.5753% | 4,652 |
| Memoranda: | ||
| Average total assets | $500,065,500 | 1,431 |
| Average earning assets | $480,199,500 | 1,388 |
| Average equity | $49,292,250 | 1,626 |
| Average total loans | $460,742,000 | 1,148 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 1,408 |
| Cost of funding earning assets | 1.0587% | 1,457 |
| Net interest margin | 3.9677% | 2,024 |
| Noninterest income to average assets | 1.0638% | 759 |
| Noninterest expense to average assets | 3.5312% | 920 |
| Loan and lease loss provision to assets | 0.1591% | 1,141 |
| Net operating income to assets | 1.1813% | 2,218 |
| Return on assets (ROA) | 1.1813% | 2,287 |
| Pretax return on assets | 1.1813% | 2,967 |
| Return on Equity (ROE) | 11.8686% | 1,626 |
| Retained earnings to average equity (ytd only) | 1.6153% | 4,241 |
| Net charge-offs to loans | 0.2603% | 642 |
| Credit loss provision to net charge-offs | 66.7808% | 2,347 |
| Earnings coverage of net charge-offs (x) | 5.6250% | 2,635 |
| Efficiency ratio | 72.4851% | 1,845 |
| Assets per employee ($millions) | 5.2377% | 2,217 |
| Cash dividends to net income (ytd only)* | 86.3903% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 2,587 |
| Loan loss allowance to noncurrent loans | 151.6833% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7818% | 1,782 |
| Noncurrent loans to loans | 0.7835% | 2,027 |
| Net loans and leases to total assets | 91.2333% | 32 |
| Net loans and leases to deposits | 116.9051% | 112 |
| Net loans and leases to core deposits | 137.4778% | 219 |
| Total domestic deposits to total assets | 78.0405% | 4,388 |
| Equity capital to assets | 9.6147% | 4,305 |
| Core capital (leverage) ratio | 10.1544% | 3,436 |
| Tier 1 risk-based capital ratio | 11.4208% | 4,725 |
| Total risk-based capital ratio | 12.6714% | 4,622 |
| Memoranda: | ||
| Average total assets | $490,143,330 | 1,458 |
| Average earning assets | $470,400,670 | 1,413 |
| Average equity | $48,784,000 | 1,635 |
| Average total loans | $448,718,670 | 1,166 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 1,377 |
| Cost of funding earning assets | 0.9636% | 1,728 |
| Net interest margin | 4.0184% | 1,798 |
| Noninterest income to average assets | 0.7823% | 1,331 |
| Noninterest expense to average assets | 3.4319% | 1,065 |
| Loan and lease loss provision to assets | 0.1630% | 1,034 |
| Net operating income to assets | 1.0389% | 2,699 |
| Return on assets (ROA) | 1.0389% | 2,741 |
| Pretax return on assets | 1.0389% | 3,311 |
| Return on Equity (ROE) | 10.2515% | 2,258 |
| Retained earnings to average equity (ytd only) | -3.0598% | 4,817 |
| Net charge-offs to loans | 0.0138% | 2,213 |
| Credit loss provision to net charge-offs | 1,300.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 95.8667% | 684 |
| Efficiency ratio | 74.0620% | 1,749 |
| Assets per employee ($millions) | 4.7682% | 2,828 |
| Cash dividends to net income (ytd only)* | 129.8471% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 1,803 |
| Loan loss allowance to noncurrent loans | 113.1926% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 1,230 |
| Noncurrent loans to loans | 1.2069% | 1,364 |
| Net loans and leases to total assets | 90.0424% | 51 |
| Net loans and leases to deposits | 109.9187% | 219 |
| Net loans and leases to core deposits | 128.2789% | 331 |
| Total domestic deposits to total assets | 81.9173% | 3,747 |
| Equity capital to assets | 10.0477% | 3,778 |
| Core capital (leverage) ratio | 10.3891% | 3,175 |
| Tier 1 risk-based capital ratio | 12.0607% | 4,423 |
| Total risk-based capital ratio | 13.3141% | 4,315 |
| Memoranda: | ||
| Average total assets | $478,567,500 | 1,495 |
| Average earning assets | $458,694,000 | 1,456 |
| Average equity | $48,500,000 | 1,618 |
| Average total loans | $436,114,000 | 1,198 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 1,028 |
| Cost of funding earning assets | 0.8801% | 1,177 |
| Net interest margin | 4.1291% | 1,594 |
| Noninterest income to average assets | 1.1469% | 698 |
| Noninterest expense to average assets | 3.7329% | 740 |
| Loan and lease loss provision to assets | 0.1463% | 1,457 |
| Net operating income to assets | 1.2227% | 2,075 |
| Return on assets (ROA) | 1.2227% | 2,068 |
| Pretax return on assets | 1.2227% | 2,805 |
| Return on Equity (ROE) | 12.1412% | 1,664 |
| Retained earnings to average equity (ytd only) | 4.9670% | 2,779 |
| Net charge-offs to loans | 0.0876% | 1,900 |
| Credit loss provision to net charge-offs | 181.6489% | 1,557 |
| Earnings coverage of net charge-offs (x) | 17.0027% | 2,213 |
| Efficiency ratio | 73.1680% | 1,739 |
| Assets per employee ($millions) | 4.7554% | 2,806 |
| Cash dividends to net income (ytd only)* | 59.0893% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,837 |
| Loan loss allowance to noncurrent loans | 127.4836% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 1,386 |
| Noncurrent loans to loans | 1.0564% | 1,544 |
| Net loans and leases to total assets | 89.7414% | 67 |
| Net loans and leases to deposits | 111.0903% | 225 |
| Net loans and leases to core deposits | 134.8409% | 250 |
| Total domestic deposits to total assets | 80.7823% | 3,937 |
| Equity capital to assets | 10.2222% | 3,450 |
| Core capital (leverage) ratio | 10.4861% | 3,042 |
| Tier 1 risk-based capital ratio | 12.1454% | 4,328 |
| Total risk-based capital ratio | 13.3981% | 4,215 |
| Memoranda: | ||
| Average total assets | $467,004,600 | 1,496 |
| Average earning assets | $447,316,600 | 1,458 |
| Average equity | $47,030,000 | 1,598 |
| Average total loans | $429,000,600 | 1,182 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9583% | 1,023 |
| Cost of funding earning assets | 0.8617% | 1,069 |
| Net interest margin | 4.0966% | 1,644 |
| Noninterest income to average assets | 1.2370% | 629 |
| Noninterest expense to average assets | 3.9396% | 565 |
| Loan and lease loss provision to assets | 0.1033% | 1,943 |
| Net operating income to assets | 1.1171% | 2,591 |
| Return on assets (ROA) | 1.1171% | 2,608 |
| Pretax return on assets | 1.1171% | 3,330 |
| Return on Equity (ROE) | 11.1359% | 2,127 |
| Retained earnings to average equity (ytd only) | 2.1157% | 4,535 |
| Net charge-offs to loans | 0.0093% | 3,088 |
| Credit loss provision to net charge-offs | 1,200.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 141.8298% | 572 |
| Efficiency ratio | 76.3493% | 1,304 |
| Assets per employee ($millions) | 4.6682% | 2,883 |
| Cash dividends to net income (ytd only)* | 81.0013% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 1,923 |
| Loan loss allowance to noncurrent loans | 118.0900% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.0834% | 1,330 |
| Noncurrent loans to loans | 1.1329% | 1,498 |
| Net loans and leases to total assets | 91.4872% | 34 |
| Net loans and leases to deposits | 117.7814% | 130 |
| Net loans and leases to core deposits | 139.1973% | 215 |
| Total domestic deposits to total assets | 77.6755% | 4,535 |
| Equity capital to assets | 9.9519% | 3,697 |
| Core capital (leverage) ratio | 10.0665% | 3,564 |
| Tier 1 risk-based capital ratio | 11.5812% | 4,744 |
| Total risk-based capital ratio | 12.8334% | 4,631 |
| Memoranda: | ||
| Average total assets | $464,870,250 | 1,513 |
| Average earning assets | $445,169,750 | 1,466 |
| Average equity | $46,634,750 | 1,609 |
| Average total loans | $428,104,750 | 1,190 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8963% | 1,031 |
| Cost of funding earning assets | 0.8257% | 1,022 |
| Net interest margin | 4.0706% | 1,642 |
| Noninterest income to average assets | 1.3228% | 555 |
| Noninterest expense to average assets | 3.9675% | 555 |
| Loan and lease loss provision to assets | 0.1556% | 1,211 |
| Net operating income to assets | 1.0976% | 2,591 |
| Return on assets (ROA) | 1.0976% | 2,601 |
| Pretax return on assets | 1.0976% | 3,325 |
| Return on Equity (ROE) | 10.9113% | 2,149 |
| Retained earnings to average equity (ytd only) | 1.7405% | 4,549 |
| Net charge-offs to loans | -0.0009% | 3,887 |
| Credit loss provision to net charge-offs | -18,000.0000% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9957% | 1,429 |
| Assets per employee ($millions) | 4.7120% | 2,804 |
| Cash dividends to net income (ytd only)* | 84.0488% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,000 |
| Loan loss allowance to noncurrent loans | 128.4061% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 1,511 |
| Noncurrent loans to loans | 1.0412% | 1,682 |
| Net loans and leases to total assets | 91.1939% | 47 |
| Net loans and leases to deposits | 119.3191% | 115 |
| Net loans and leases to core deposits | 137.9383% | 215 |
| Total domestic deposits to total assets | 76.4286% | 4,810 |
| Equity capital to assets | 9.8208% | 3,803 |
| Core capital (leverage) ratio | 10.1934% | 3,367 |
| Tier 1 risk-based capital ratio | 11.2355% | 4,931 |
| Total risk-based capital ratio | 12.4877% | 4,829 |
| Memoranda: | ||
| Average total assets | $462,663,670 | 1,528 |
| Average earning assets | $443,031,330 | 1,477 |
| Average equity | $46,539,000 | 1,617 |
| Average total loans | $425,072,330 | 1,199 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 1,036 |
| Cost of funding earning assets | 0.8184% | 879 |
| Net interest margin | 4.0012% | 1,726 |
| Noninterest income to average assets | 1.3279% | 534 |
| Noninterest expense to average assets | 4.0584% | 495 |
| Loan and lease loss provision to assets | 0.1263% | 1,493 |
| Net operating income to assets | 0.9727% | 2,973 |
| Return on assets (ROA) | 0.9727% | 3,003 |
| Pretax return on assets | 0.9727% | 3,626 |
| Return on Equity (ROE) | 9.5522% | 2,661 |
| Retained earnings to average equity (ytd only) | -1.1370% | 4,925 |
| Net charge-offs to loans | 0.0048% | 2,562 |
| Credit loss provision to net charge-offs | 2,880.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 250.6000% | 269 |
| Efficiency ratio | 78.6905% | 1,296 |
| Assets per employee ($millions) | 4.0464% | 3,901 |
| Cash dividends to net income (ytd only)* | 111.9026% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,988 |
| Loan loss allowance to noncurrent loans | 297.1639% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4552% | 3,019 |
| Noncurrent loans to loans | 0.4576% | 3,163 |
| Net loans and leases to total assets | 90.5665% | 51 |
| Net loans and leases to deposits | 116.9441% | 143 |
| Net loans and leases to core deposits | 138.5264% | 231 |
| Total domestic deposits to total assets | 77.4442% | 4,812 |
| Equity capital to assets | 10.2023% | 3,389 |
| Core capital (leverage) ratio | 10.1776% | 3,331 |
| Tier 1 risk-based capital ratio | 11.8325% | 4,662 |
| Total risk-based capital ratio | 13.0854% | 4,547 |
| Memoranda: | ||
| Average total assets | $456,042,000 | 1,550 |
| Average earning assets | $436,471,000 | 1,507 |
| Average equity | $46,439,500 | 1,631 |
| Average total loans | $417,669,000 | 1,220 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 887 |
| Cost of funding earning assets | 0.6956% | 1,050 |
| Net interest margin | 4.1574% | 1,284 |
| Noninterest income to average assets | 1.7502% | 362 |
| Noninterest expense to average assets | 4.3158% | 368 |
| Loan and lease loss provision to assets | 0.1687% | 1,303 |
| Net operating income to assets | 1.2378% | 1,402 |
| Return on assets (ROA) | 1.2373% | 1,425 |
| Pretax return on assets | 1.2373% | 2,601 |
| Return on Equity (ROE) | 12.2768% | 1,133 |
| Retained earnings to average equity (ytd only) | 7.5484% | 908 |
| Net charge-offs to loans | 0.0334% | 3,122 |
| Credit loss provision to net charge-offs | 558.9552% | 578 |
| Earnings coverage of net charge-offs (x) | 46.6045% | 1,152 |
| Efficiency ratio | 75.4211% | 1,703 |
| Assets per employee ($millions) | 3.9904% | 3,980 |
| Cash dividends to net income (ytd only)* | 38.5147% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,131 |
| Loan loss allowance to noncurrent loans | 227.4001% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,668 |
| Noncurrent loans to loans | 0.5789% | 2,770 |
| Net loans and leases to total assets | 90.1565% | 74 |
| Net loans and leases to deposits | 117.3281% | 138 |
| Net loans and leases to core deposits | 145.0808% | 162 |
| Total domestic deposits to total assets | 76.8414% | 4,876 |
| Equity capital to assets | 10.1643% | 3,528 |
| Core capital (leverage) ratio | 10.1963% | 3,198 |
| Tier 1 risk-based capital ratio | 11.7006% | 4,720 |
| Total risk-based capital ratio | 12.9528% | 4,603 |
| Memoranda: | ||
| Average total assets | $444,018,600 | 1,564 |
| Average earning assets | $424,226,400 | 1,521 |
| Average equity | $44,751,200 | 1,669 |
| Average total loans | $400,632,000 | 1,230 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 954 |
| Cost of funding earning assets | 0.6630% | 1,164 |
| Net interest margin | 4.1205% | 1,333 |
| Noninterest income to average assets | 1.7954% | 366 |
| Noninterest expense to average assets | 4.5268% | 311 |
| Loan and lease loss provision to assets | 0.1905% | 1,019 |
| Net operating income to assets | 1.0132% | 2,504 |
| Return on assets (ROA) | 1.0132% | 2,541 |
| Pretax return on assets | 1.0132% | 3,632 |
| Return on Equity (ROE) | 10.0754% | 2,098 |
| Retained earnings to average equity (ytd only) | 4.3301% | 3,329 |
| Net charge-offs to loans | 0.0549% | 2,354 |
| Credit loss provision to net charge-offs | 385.8896% | 793 |
| Earnings coverage of net charge-offs (x) | 24.3863% | 1,772 |
| Efficiency ratio | 78.9949% | 1,215 |
| Assets per employee ($millions) | 3.8080% | 4,300 |
| Cash dividends to net income (ytd only)* | 57.0234% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,356 |
| Loan loss allowance to noncurrent loans | 165.1799% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 2,242 |
| Noncurrent loans to loans | 0.7870% | 2,393 |
| Net loans and leases to total assets | 89.9720% | 85 |
| Net loans and leases to deposits | 120.5309% | 94 |
| Net loans and leases to core deposits | 141.7763% | 186 |
| Total domestic deposits to total assets | 74.6464% | 5,168 |
| Equity capital to assets | 9.9146% | 4,022 |
| Core capital (leverage) ratio | 10.0635% | 3,489 |
| Tier 1 risk-based capital ratio | 11.5083% | 4,960 |
| Total risk-based capital ratio | 12.7604% | 4,848 |
| Memoranda: | ||
| Average total assets | $440,300,250 | 1,587 |
| Average earning assets | $420,488,000 | 1,546 |
| Average equity | $44,278,250 | 1,695 |
| Average total loans | $395,980,000 | 1,251 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 973 |
| Cost of funding earning assets | 0.6254% | 1,304 |
| Net interest margin | 4.1188% | 1,272 |
| Noninterest income to average assets | 1.7797% | 380 |
| Noninterest expense to average assets | 4.5544% | 302 |
| Loan and lease loss provision to assets | 0.2555% | 650 |
| Net operating income to assets | 0.9000% | 2,912 |
| Return on assets (ROA) | 0.9000% | 2,969 |
| Pretax return on assets | 0.9000% | 3,936 |
| Return on Equity (ROE) | 8.9057% | 2,553 |
| Retained earnings to average equity (ytd only) | 3.2364% | 3,786 |
| Net charge-offs to loans | 0.0200% | 2,841 |
| Credit loss provision to net charge-offs | 1,428.2051% | 304 |
| Earnings coverage of net charge-offs (x) | 64.5897% | 894 |
| Efficiency ratio | 79.7638% | 1,232 |
| Assets per employee ($millions) | 3.6655% | 4,488 |
| Cash dividends to net income (ytd only)* | 63.6595% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,031 |
| Loan loss allowance to noncurrent loans | 116.8031% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 1,582 |
| Noncurrent loans to loans | 1.1823% | 1,653 |
| Net loans and leases to total assets | 88.7706% | 116 |
| Net loans and leases to deposits | 110.1504% | 259 |
| Net loans and leases to core deposits | 132.0833% | 274 |
| Total domestic deposits to total assets | 80.5904% | 4,289 |
| Equity capital to assets | 10.1498% | 3,735 |
| Core capital (leverage) ratio | 10.1477% | 3,338 |
| Tier 1 risk-based capital ratio | 11.7076% | 4,835 |
| Total risk-based capital ratio | 12.9605% | 4,712 |
| Memoranda: | ||
| Average total assets | $436,016,670 | 1,603 |
| Average earning assets | $416,039,330 | 1,559 |
| Average equity | $44,061,670 | 1,702 |
| Average total loans | $390,280,330 | 1,270 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 753 |
| Cost of funding earning assets | 0.5738% | 1,550 |
| Net interest margin | 4.2213% | 945 |
| Noninterest income to average assets | 1.7902% | 366 |
| Noninterest expense to average assets | 4.5164% | 327 |
| Loan and lease loss provision to assets | 0.3129% | 410 |
| Net operating income to assets | 0.9846% | 2,371 |
| Return on assets (ROA) | 0.9846% | 2,419 |
| Pretax return on assets | 0.9846% | 3,430 |
| Return on Equity (ROE) | 9.7643% | 2,079 |
| Retained earnings to average equity (ytd only) | 9.2092% | 1,015 |
| Net charge-offs to loans | 0.0843% | 1,507 |
| Credit loss provision to net charge-offs | 415.8537% | 645 |
| Earnings coverage of net charge-offs (x) | 17.2439% | 1,605 |
| Efficiency ratio | 77.6831% | 1,674 |
| Assets per employee ($millions) | 3.5873% | 4,670 |
| Cash dividends to net income (ytd only)* | 5.6850% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,314 |
| Loan loss allowance to noncurrent loans | 242.9647% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 2,980 |
| Noncurrent loans to loans | 0.5550% | 3,145 |
| Net loans and leases to total assets | 87.7504% | 119 |
| Net loans and leases to deposits | 108.2494% | 254 |
| Net loans and leases to core deposits | 129.4425% | 269 |
| Total domestic deposits to total assets | 81.0632% | 4,403 |
| Equity capital to assets | 10.3380% | 3,365 |
| Core capital (leverage) ratio | 10.3235% | 3,082 |
| Tier 1 risk-based capital ratio | 12.0174% | 4,705 |
| Total risk-based capital ratio | 13.2697% | 4,599 |
| Memoranda: | ||
| Average total assets | $435,927,000 | 1,615 |
| Average earning assets | $415,507,500 | 1,572 |
| Average equity | $43,956,000 | 1,711 |
| Average total loans | $389,102,500 | 1,280 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 715 |
| Cost of funding earning assets | 0.5070% | 2,036 |
| Net interest margin | 4.4110% | 759 |
| Noninterest income to average assets | 2.0354% | 339 |
| Noninterest expense to average assets | 4.4543% | 394 |
| Loan and lease loss provision to assets | 0.1640% | 1,508 |
| Net operating income to assets | 1.6220% | 648 |
| Return on assets (ROA) | 1.6220% | 674 |
| Pretax return on assets | 1.6220% | 1,215 |
| Return on Equity (ROE) | 16.6133% | 446 |
| Retained earnings to average equity (ytd only) | 7.5742% | 1,011 |
| Net charge-offs to loans | 0.0624% | 2,811 |
| Credit loss provision to net charge-offs | 296.2963% | 996 |
| Earnings coverage of net charge-offs (x) | 32.2716% | 1,367 |
| Efficiency ratio | 71.3796% | 2,685 |
| Assets per employee ($millions) | 3.7090% | 4,457 |
| Cash dividends to net income (ytd only)* | 54.4089% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,873 |
| Loan loss allowance to noncurrent loans | 102.2519% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.3583% | 1,277 |
| Noncurrent loans to loans | 1.2133% | 1,694 |
| Net loans and leases to total assets | 88.4488% | 113 |
| Net loans and leases to deposits | 113.0356% | 171 |
| Net loans and leases to core deposits | 135.2851% | 223 |
| Total domestic deposits to total assets | 78.2487% | 4,940 |
| Equity capital to assets | 9.8349% | 3,901 |
| Core capital (leverage) ratio | 9.4693% | 4,126 |
| Tier 1 risk-based capital ratio | 11.2088% | 5,213 |
| Total risk-based capital ratio | 12.4592% | 5,111 |
| Memoranda: | ||
| Average total assets | $439,081,200 | 1,544 |
| Average earning assets | $418,571,800 | 1,504 |
| Average equity | $42,869,200 | 1,728 |
| Average total loans | $389,196,600 | 1,226 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9419% | 669 |
| Cost of funding earning assets | 0.4855% | 2,210 |
| Net interest margin | 4.4565% | 695 |
| Noninterest income to average assets | 2.1323% | 326 |
| Noninterest expense to average assets | 4.5073% | 382 |
| Loan and lease loss provision to assets | 0.1651% | 1,383 |
| Net operating income to assets | 1.7109% | 579 |
| Return on assets (ROA) | 1.7109% | 614 |
| Pretax return on assets | 1.7109% | 1,086 |
| Return on Equity (ROE) | 17.5561% | 389 |
| Retained earnings to average equity (ytd only) | 10.6984% | 460 |
| Net charge-offs to loans | -0.0344% | 5,215 |
| Credit loss provision to net charge-offs | -543.0000% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6107% | 2,807 |
| Assets per employee ($millions) | 3.8024% | 4,299 |
| Cash dividends to net income (ytd only)* | 39.0616% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,883 |
| Loan loss allowance to noncurrent loans | 490.8035% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 3,095 |
| Noncurrent loans to loans | 0.2571% | 4,345 |
| Net loans and leases to total assets | 88.4184% | 114 |
| Net loans and leases to deposits | 115.7978% | 160 |
| Net loans and leases to core deposits | 138.9350% | 207 |
| Total domestic deposits to total assets | 76.3559% | 5,186 |
| Equity capital to assets | 9.8398% | 4,314 |
| Core capital (leverage) ratio | 9.5531% | 4,111 |
| Tier 1 risk-based capital ratio | 11.0689% | 5,342 |
| Total risk-based capital ratio | 12.3196% | 5,237 |
| Memoranda: | ||
| Average total assets | $438,507,750 | 1,543 |
| Average earning assets | $418,287,750 | 1,506 |
| Average equity | $42,734,250 | 1,739 |
| Average total loans | $387,672,000 | 1,226 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 706 |
| Cost of funding earning assets | 0.4598% | 2,477 |
| Net interest margin | 4.4497% | 693 |
| Noninterest income to average assets | 2.0914% | 327 |
| Noninterest expense to average assets | 4.3639% | 427 |
| Loan and lease loss provision to assets | 0.2151% | 978 |
| Net operating income to assets | 1.7563% | 520 |
| Return on assets (ROA) | 1.7563% | 550 |
| Pretax return on assets | 1.7563% | 967 |
| Return on Equity (ROE) | 18.0823% | 349 |
| Retained earnings to average equity (ytd only) | 11.3292% | 400 |
| Net charge-offs to loans | -0.0308% | 5,135 |
| Credit loss provision to net charge-offs | -793.2203% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8820% | 3,175 |
| Assets per employee ($millions) | 3.8818% | 4,115 |
| Cash dividends to net income (ytd only)* | 37.3462% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 3,312 |
| Loan loss allowance to noncurrent loans | 447.6061% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6015% | 3,222 |
| Noncurrent loans to loans | 0.2699% | 4,399 |
| Net loans and leases to total assets | 88.4491% | 117 |
| Net loans and leases to deposits | 118.0859% | 118 |
| Net loans and leases to core deposits | 140.3552% | 181 |
| Total domestic deposits to total assets | 74.9023% | 5,424 |
| Equity capital to assets | 9.4492% | 4,816 |
| Core capital (leverage) ratio | 9.6340% | 4,019 |
| Tier 1 risk-based capital ratio | 10.7231% | 5,565 |
| Total risk-based capital ratio | 11.9733% | 5,487 |
| Memoranda: | ||
| Average total assets | $435,114,670 | 1,562 |
| Average earning assets | $414,990,000 | 1,519 |
| Average equity | $42,262,330 | 1,755 |
| Average total loans | $382,965,330 | 1,238 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 834 |
| Cost of funding earning assets | 0.4477% | 2,611 |
| Net interest margin | 4.3590% | 817 |
| Noninterest income to average assets | 1.9460% | 353 |
| Noninterest expense to average assets | 4.2829% | 463 |
| Loan and lease loss provision to assets | 0.2209% | 864 |
| Net operating income to assets | 1.5976% | 704 |
| Return on assets (ROA) | 1.5976% | 747 |
| Pretax return on assets | 1.5976% | 1,301 |
| Return on Equity (ROE) | 16.2100% | 514 |
| Retained earnings to average equity (ytd only) | 15.6352% | 209 |
| Net charge-offs to loans | -0.2025% | 5,855 |
| Credit loss provision to net charge-offs | -125.1337% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1950% | 3,084 |
| Assets per employee ($millions) | 3.6253% | 4,600 |
| Cash dividends to net income (ytd only)* | 3.5461% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 2,977 |
| Loan loss allowance to noncurrent loans | 285.6806% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 2,882 |
| Noncurrent loans to loans | 0.4506% | 3,829 |
| Net loans and leases to total assets | 86.1787% | 209 |
| Net loans and leases to deposits | 112.5304% | 173 |
| Net loans and leases to core deposits | 127.9038% | 305 |
| Total domestic deposits to total assets | 76.5826% | 5,347 |
| Equity capital to assets | 9.8648% | 4,259 |
| Core capital (leverage) ratio | 10.2096% | 3,303 |
| Tier 1 risk-based capital ratio | 11.7384% | 5,089 |
| Total risk-based capital ratio | 12.9904% | 4,992 |
| Memoranda: | ||
| Average total assets | $423,643,000 | 1,600 |
| Average earning assets | $403,857,000 | 1,552 |
| Average equity | $41,752,000 | 1,772 |
| Average total loans | $369,396,500 | 1,271 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 715 |
| Cost of funding earning assets | 0.4349% | 2,790 |
| Net interest margin | 4.4988% | 655 |
| Noninterest income to average assets | 2.5149% | 264 |
| Noninterest expense to average assets | 4.5962% | 386 |
| Loan and lease loss provision to assets | 0.2064% | 1,032 |
| Net operating income to assets | 1.9852% | 352 |
| Return on assets (ROA) | 1.9852% | 362 |
| Pretax return on assets | 1.9852% | 554 |
| Return on Equity (ROE) | 20.3755% | 229 |
| Retained earnings to average equity (ytd only) | 8.7291% | 723 |
| Net charge-offs to loans | 0.0844% | 2,631 |
| Credit loss provision to net charge-offs | 280.1325% | 1,042 |
| Earnings coverage of net charge-offs (x) | 29.7450% | 1,466 |
| Efficiency ratio | 67.7126% | 3,621 |
| Assets per employee ($millions) | 3.6163% | 4,616 |
| Cash dividends to net income (ytd only)* | 57.1587% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 3,345 |
| Loan loss allowance to noncurrent loans | 219.2670% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7784% | 2,733 |
| Noncurrent loans to loans | 0.5575% | 3,498 |
| Net loans and leases to total assets | 86.0195% | 232 |
| Net loans and leases to deposits | 110.1063% | 238 |
| Net loans and leases to core deposits | 122.2711% | 421 |
| Total domestic deposits to total assets | 78.1240% | 5,141 |
| Equity capital to assets | 9.8458% | 4,136 |
| Core capital (leverage) ratio | 9.7472% | 3,836 |
| Tier 1 risk-based capital ratio | 11.7899% | 5,078 |
| Total risk-based capital ratio | 13.0408% | 4,997 |
| Memoranda: | ||
| Average total assets | $409,878,000 | 1,612 |
| Average earning assets | $389,307,200 | 1,566 |
| Average equity | $39,935,200 | 1,804 |
| Average total loans | $357,922,400 | 1,263 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 660 |
| Cost of funding earning assets | 0.4273% | 2,937 |
| Net interest margin | 4.5452% | 596 |
| Noninterest income to average assets | 2.6037% | 253 |
| Noninterest expense to average assets | 4.7030% | 362 |
| Loan and lease loss provision to assets | 0.1783% | 1,177 |
| Net operating income to assets | 2.0320% | 346 |
| Return on assets (ROA) | 2.0320% | 362 |
| Pretax return on assets | 2.0320% | 563 |
| Return on Equity (ROE) | 20.9121% | 219 |
| Retained earnings to average equity (ytd only) | 14.8912% | 167 |
| Net charge-offs to loans | -0.0093% | 4,967 |
| Credit loss provision to net charge-offs | -2,184.0000% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0283% | 3,535 |
| Assets per employee ($millions) | 3.5223% | 4,759 |
| Cash dividends to net income (ytd only)* | 28.7917% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 3,561 |
| Loan loss allowance to noncurrent loans | 156.1164% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 2,080 |
| Noncurrent loans to loans | 0.7786% | 3,017 |
| Net loans and leases to total assets | 87.0908% | 177 |
| Net loans and leases to deposits | 110.4756% | 243 |
| Net loans and leases to core deposits | 124.8642% | 357 |
| Total domestic deposits to total assets | 78.8326% | 5,014 |
| Equity capital to assets | 10.0870% | 4,065 |
| Core capital (leverage) ratio | 9.9186% | 3,746 |
| Tier 1 risk-based capital ratio | 11.6555% | 5,293 |
| Total risk-based capital ratio | 12.9057% | 5,213 |
| Memoranda: | ||
| Average total assets | $408,379,500 | 1,626 |
| Average earning assets | $387,215,500 | 1,584 |
| Average equity | $39,682,500 | 1,829 |
| Average total loans | $356,863,500 | 1,277 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9483% | 655 |
| Cost of funding earning assets | 0.4114% | 3,143 |
| Net interest margin | 4.5370% | 591 |
| Noninterest income to average assets | 2.5347% | 267 |
| Noninterest expense to average assets | 4.5482% | 404 |
| Loan and lease loss provision to assets | 0.2306% | 800 |
| Net operating income to assets | 2.0539% | 333 |
| Return on assets (ROA) | 2.0539% | 350 |
| Pretax return on assets | 2.0539% | 538 |
| Return on Equity (ROE) | 21.4152% | 216 |
| Retained earnings to average equity (ytd only) | 15.5336% | 167 |
| Net charge-offs to loans | -0.0175% | 5,124 |
| Credit loss provision to net charge-offs | -1,509.6774% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5657% | 3,908 |
| Assets per employee ($millions) | 3.8686% | 4,128 |
| Cash dividends to net income (ytd only)* | 27.4646% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,951 |
| Loan loss allowance to noncurrent loans | 618.0536% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,567 |
| Noncurrent loans to loans | 0.1899% | 5,019 |
| Net loans and leases to total assets | 86.7197% | 199 |
| Net loans and leases to deposits | 114.2128% | 175 |
| Net loans and leases to core deposits | 130.7747% | 259 |
| Total domestic deposits to total assets | 75.9282% | 5,607 |
| Equity capital to assets | 9.5235% | 4,623 |
| Core capital (leverage) ratio | 9.6817% | 4,027 |
| Tier 1 risk-based capital ratio | 11.1938% | 5,620 |
| Total risk-based capital ratio | 12.4424% | 5,545 |
| Memoranda: | ||
| Average total assets | $405,961,000 | 1,645 |
| Average earning assets | $384,573,670 | 1,606 |
| Average equity | $38,935,000 | 1,863 |
| Average total loans | $353,673,330 | 1,289 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 758 |
| Cost of funding earning assets | 0.3858% | 3,460 |
| Net interest margin | 4.4788% | 626 |
| Noninterest income to average assets | 2.1466% | 331 |
| Noninterest expense to average assets | 4.2861% | 509 |
| Loan and lease loss provision to assets | 0.2363% | 726 |
| Net operating income to assets | 1.8679% | 427 |
| Return on assets (ROA) | 1.8679% | 454 |
| Pretax return on assets | 1.8679% | 761 |
| Return on Equity (ROE) | 19.4027% | 296 |
| Retained earnings to average equity (ytd only) | 18.6686% | 126 |
| Net charge-offs to loans | -0.0279% | 5,208 |
| Credit loss provision to net charge-offs | -975.0000% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0722% | 3,980 |
| Assets per employee ($millions) | 3.7178% | 4,479 |
| Cash dividends to net income (ytd only)* | 3.7838% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 4,133 |
| Loan loss allowance to noncurrent loans | 237.0349% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 3,334 |
| Noncurrent loans to loans | 0.4947% | 4,094 |
| Net loans and leases to total assets | 86.1281% | 182 |
| Net loans and leases to deposits | 110.2901% | 218 |
| Net loans and leases to core deposits | 126.6730% | 287 |
| Total domestic deposits to total assets | 78.0923% | 5,433 |
| Equity capital to assets | 9.7595% | 4,421 |
| Core capital (leverage) ratio | 9.8855% | 3,772 |
| Tier 1 risk-based capital ratio | 11.3621% | 5,624 |
| Total risk-based capital ratio | 12.5992% | 5,542 |
| Memoranda: | ||
| Average total assets | $396,168,000 | 1,691 |
| Average earning assets | $375,371,500 | 1,647 |
| Average equity | $38,139,000 | 1,920 |
| Average total loans | $343,802,500 | 1,318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 536 |
| Cost of funding earning assets | 0.4265% | 3,425 |
| Net interest margin | 4.7566% | 474 |
| Noninterest income to average assets | 1.6074% | 486 |
| Noninterest expense to average assets | 4.4629% | 477 |
| Loan and lease loss provision to assets | 0.1965% | 1,300 |
| Net operating income to assets | 1.4597% | 960 |
| Return on assets (ROA) | 1.4597% | 994 |
| Pretax return on assets | 1.4597% | 1,694 |
| Return on Equity (ROE) | 14.8292% | 808 |
| Retained earnings to average equity (ytd only) | 5.8941% | 1,989 |
| Net charge-offs to loans | 0.0233% | 4,373 |
| Credit loss provision to net charge-offs | 1,000.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 84.2941% | 601 |
| Efficiency ratio | 72.9342% | 3,050 |
| Assets per employee ($millions) | 3.9101% | 4,144 |
| Cash dividends to net income (ytd only)* | 60.2534% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 4,218 |
| Loan loss allowance to noncurrent loans | 375.8955% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 3,890 |
| Noncurrent loans to loans | 0.3089% | 4,736 |
| Net loans and leases to total assets | 85.3937% | 251 |
| Net loans and leases to deposits | 109.7984% | 241 |
| Net loans and leases to core deposits | 121.2616% | 382 |
| Total domestic deposits to total assets | 77.7732% | 5,476 |
| Equity capital to assets | 9.4882% | 4,736 |
| Core capital (leverage) ratio | 9.6070% | 4,087 |
| Tier 1 risk-based capital ratio | 11.2192% | 5,808 |
| Total risk-based capital ratio | 12.4549% | 5,746 |
| Memoranda: | ||
| Average total assets | $346,096,600 | 1,880 |
| Average earning assets | $328,279,400 | 1,833 |
| Average equity | $34,068,000 | 2,050 |
| Average total loans | $291,372,800 | 1,470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2000% | 525 |
| Cost of funding earning assets | 0.4416% | 3,353 |
| Net interest margin | 4.7584% | 457 |
| Noninterest income to average assets | 1.6424% | 481 |
| Noninterest expense to average assets | 4.6608% | 400 |
| Loan and lease loss provision to assets | 0.2144% | 1,072 |
| Net operating income to assets | 1.2803% | 1,431 |
| Return on assets (ROA) | 1.2803% | 1,484 |
| Pretax return on assets | 1.2803% | 2,456 |
| Return on Equity (ROE) | 12.8729% | 1,248 |
| Retained earnings to average equity (ytd only) | 6.5821% | 2,050 |
| Net charge-offs to loans | -0.0266% | 5,699 |
| Credit loss provision to net charge-offs | -964.2857% | 5,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7175% | 2,537 |
| Assets per employee ($millions) | 3.5096% | 4,847 |
| Cash dividends to net income (ytd only)* | 48.8682% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 3,874 |
| Loan loss allowance to noncurrent loans | 456.1321% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 3,949 |
| Noncurrent loans to loans | 0.2764% | 5,082 |
| Net loans and leases to total assets | 84.6182% | 291 |
| Net loans and leases to deposits | 104.7645% | 370 |
| Net loans and leases to core deposits | 112.7276% | 632 |
| Total domestic deposits to total assets | 80.7699% | 4,894 |
| Equity capital to assets | 9.6298% | 4,635 |
| Core capital (leverage) ratio | 9.3669% | 4,549 |
| Tier 1 risk-based capital ratio | 11.2491% | 5,891 |
| Total risk-based capital ratio | 12.5001% | 5,837 |
| Memoranda: | ||
| Average total assets | $335,845,750 | 1,948 |
| Average earning assets | $318,531,500 | 1,888 |
| Average equity | $33,402,750 | 2,090 |
| Average total loans | $280,605,500 | 1,526 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 593 |
| Cost of funding earning assets | 0.4379% | 3,461 |
| Net interest margin | 4.6816% | 507 |
| Noninterest income to average assets | 1.6349% | 478 |
| Noninterest expense to average assets | 4.6927% | 392 |
| Loan and lease loss provision to assets | 0.2192% | 1,058 |
| Net operating income to assets | 1.1630% | 1,713 |
| Return on assets (ROA) | 1.1630% | 1,782 |
| Pretax return on assets | 1.1630% | 2,825 |
| Return on Equity (ROE) | 11.5596% | 1,558 |
| Retained earnings to average equity (ytd only) | 4.4120% | 3,367 |
| Net charge-offs to loans | -0.0265% | 5,638 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2477% | 2,416 |
| Assets per employee ($millions) | 3.4968% | 4,855 |
| Cash dividends to net income (ytd only)* | 61.8325% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 4,229 |
| Loan loss allowance to noncurrent loans | 447.1951% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 4,109 |
| Noncurrent loans to loans | 0.2768% | 5,188 |
| Net loans and leases to total assets | 82.8341% | 389 |
| Net loans and leases to deposits | 101.7095% | 470 |
| Net loans and leases to core deposits | 108.9666% | 728 |
| Total domestic deposits to total assets | 81.4419% | 4,828 |
| Equity capital to assets | 9.4874% | 4,766 |
| Core capital (leverage) ratio | 9.6935% | 4,057 |
| Tier 1 risk-based capital ratio | 11.2879% | 5,908 |
| Total risk-based capital ratio | 12.5383% | 5,855 |
| Memoranda: | ||
| Average total assets | $328,467,330 | 1,985 |
| Average earning assets | $311,516,330 | 1,931 |
| Average equity | $33,046,000 | 2,094 |
| Average total loans | $271,879,000 | 1,574 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 613 |
| Cost of funding earning assets | 0.4520% | 3,405 |
| Net interest margin | 4.6330% | 527 |
| Noninterest income to average assets | 1.5564% | 493 |
| Noninterest expense to average assets | 4.6856% | 392 |
| Loan and lease loss provision to assets | 0.2278% | 974 |
| Net operating income to assets | 1.0136% | 2,159 |
| Return on assets (ROA) | 1.0136% | 2,225 |
| Pretax return on assets | 1.0136% | 3,273 |
| Return on Equity (ROE) | 9.7637% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.9231% | 1,624 |
| Net charge-offs to loans | 0.0308% | 2,970 |
| Credit loss provision to net charge-offs | 900.0000% | 337 |
| Earnings coverage of net charge-offs (x) | 49.0500% | 758 |
| Efficiency ratio | 79.0564% | 2,329 |
| Assets per employee ($millions) | 3.3752% | 5,207 |
| Cash dividends to net income (ytd only)* | 18.8514% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 4,239 |
| Loan loss allowance to noncurrent loans | 381.2222% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.7253% | 3,946 |
| Noncurrent loans to loans | 0.3351% | 5,108 |
| Net loans and leases to total assets | 81.8285% | 369 |
| Net loans and leases to deposits | 97.4192% | 576 |
| Net loans and leases to core deposits | 105.2306% | 784 |
| Total domestic deposits to total assets | 83.9963% | 4,276 |
| Equity capital to assets | 10.2642% | 3,524 |
| Core capital (leverage) ratio | 10.3181% | 3,154 |
| Tier 1 risk-based capital ratio | 12.6517% | 5,222 |
| Total risk-based capital ratio | 13.9032% | 5,155 |
| Memoranda: | ||
| Average total assets | $316,115,000 | 2,075 |
| Average earning assets | $298,207,000 | 2,022 |
| Average equity | $32,815,500 | 2,099 |
| Average total loans | $259,711,500 | 1,637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 604 |
| Cost of funding earning assets | 0.5498% | 3,112 |
| Net interest margin | 4.6756% | 533 |
| Noninterest income to average assets | 2.4063% | 295 |
| Noninterest expense to average assets | 5.2442% | 292 |
| Loan and lease loss provision to assets | 0.2538% | 1,419 |
| Net operating income to assets | 1.2658% | 1,345 |
| Return on assets (ROA) | 1.2658% | 1,398 |
| Pretax return on assets | 1.2658% | 2,290 |
| Return on Equity (ROE) | 12.4215% | 1,303 |
| Retained earnings to average equity (ytd only) | 3.2512% | 3,915 |
| Net charge-offs to loans | 0.1726% | 3,099 |
| Credit loss provision to net charge-offs | 185.0230% | 1,236 |
| Earnings coverage of net charge-offs (x) | 11.0760% | 2,279 |
| Efficiency ratio | 77.5332% | 2,537 |
| Assets per employee ($millions) | 3.0516% | 5,758 |
| Cash dividends to net income (ytd only)* | 73.8262% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,128 |
| Loan loss allowance to noncurrent loans | 162.4938% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 3,466 |
| Noncurrent loans to loans | 0.8025% | 3,971 |
| Net loans and leases to total assets | 80.3285% | 565 |
| Net loans and leases to deposits | 93.2962% | 933 |
| Net loans and leases to core deposits | 101.0906% | 1,083 |
| Total domestic deposits to total assets | 86.1005% | 3,202 |
| Equity capital to assets | 10.5035% | 3,155 |
| Core capital (leverage) ratio | 9.9265% | 3,672 |
| Tier 1 risk-based capital ratio | 12.9256% | 5,032 |
| Total risk-based capital ratio | 14.1712% | 4,982 |
| Memoranda: | ||
| Average total assets | $316,333,200 | 2,035 |
| Average earning assets | $294,807,800 | 2,008 |
| Average equity | $32,234,400 | 2,119 |
| Average total loans | $251,486,200 | 1,652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1338% | 733 |
| Cost of funding earning assets | 0.5638% | 3,133 |
| Net interest margin | 4.5700% | 655 |
| Noninterest income to average assets | 2.5915% | 283 |
| Noninterest expense to average assets | 5.6064% | 238 |
| Loan and lease loss provision to assets | 0.2680% | 1,314 |
| Net operating income to assets | 0.9737% | 2,492 |
| Return on assets (ROA) | 0.9737% | 2,591 |
| Pretax return on assets | 0.9737% | 3,604 |
| Return on Equity (ROE) | 9.6272% | 2,342 |
| Retained earnings to average equity (ytd only) | 3.3623% | 4,289 |
| Net charge-offs to loans | 0.0212% | 4,706 |
| Credit loss provision to net charge-offs | 1,600.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 74.1277% | 637 |
| Efficiency ratio | 81.8677% | 1,838 |
| Assets per employee ($millions) | 2.8497% | 6,079 |
| Cash dividends to net income (ytd only)* | 65.0752% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 3,794 |
| Loan loss allowance to noncurrent loans | 109.4033% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 3,201 |
| Noncurrent loans to loans | 1.3012% | 3,231 |
| Net loans and leases to total assets | 76.6662% | 908 |
| Net loans and leases to deposits | 89.0009% | 1,267 |
| Net loans and leases to core deposits | 98.5072% | 1,201 |
| Total domestic deposits to total assets | 86.1410% | 3,172 |
| Equity capital to assets | 10.1494% | 3,700 |
| Core capital (leverage) ratio | 9.9030% | 3,808 |
| Tier 1 risk-based capital ratio | 13.0220% | 5,105 |
| Total risk-based capital ratio | 14.2747% | 5,059 |
| Memoranda: | ||
| Average total assets | $318,363,500 | 2,028 |
| Average earning assets | $296,536,750 | 2,004 |
| Average equity | $32,199,750 | 2,141 |
| Average total loans | $251,644,500 | 1,655 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 725 |
| Cost of funding earning assets | 0.5874% | 3,057 |
| Net interest margin | 4.5446% | 655 |
| Noninterest income to average assets | 2.6448% | 296 |
| Noninterest expense to average assets | 5.6844% | 236 |
| Loan and lease loss provision to assets | 0.2884% | 1,261 |
| Net operating income to assets | 0.9008% | 2,791 |
| Return on assets (ROA) | 0.9008% | 2,931 |
| Pretax return on assets | 0.9008% | 3,908 |
| Return on Equity (ROE) | 8.9167% | 2,650 |
| Retained earnings to average equity (ytd only) | 2.2649% | 4,840 |
| Net charge-offs to loans | -0.0134% | 5,835 |
| Credit loss provision to net charge-offs | -2,705.8824% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6995% | 1,797 |
| Assets per employee ($millions) | 2.7620% | 6,205 |
| Cash dividends to net income (ytd only)* | 74.5999% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 4,423 |
| Loan loss allowance to noncurrent loans | 104.8402% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 3,249 |
| Noncurrent loans to loans | 1.2552% | 3,451 |
| Net loans and leases to total assets | 80.4759% | 492 |
| Net loans and leases to deposits | 93.1397% | 870 |
| Net loans and leases to core deposits | 103.4797% | 862 |
| Total domestic deposits to total assets | 86.4034% | 3,164 |
| Equity capital to assets | 9.9675% | 3,960 |
| Core capital (leverage) ratio | 9.7655% | 3,840 |
| Tier 1 risk-based capital ratio | 12.2652% | 5,645 |
| Total risk-based capital ratio | 13.5130% | 5,596 |
| Memoranda: | ||
| Average total assets | $319,046,670 | 2,027 |
| Average earning assets | $296,878,670 | 2,003 |
| Average equity | $32,231,670 | 2,141 |
| Average total loans | $253,523,330 | 1,639 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 848 |
| Cost of funding earning assets | 0.6111% | 3,000 |
| Net interest margin | 4.4188% | 781 |
| Noninterest income to average assets | 2.5049% | 319 |
| Noninterest expense to average assets | 5.5591% | 259 |
| Loan and lease loss provision to assets | 0.3488% | 943 |
| Net operating income to assets | 0.6950% | 3,710 |
| Return on assets (ROA) | 0.6950% | 3,854 |
| Pretax return on assets | 0.6950% | 4,599 |
| Return on Equity (ROE) | 6.8351% | 3,574 |
| Retained earnings to average equity (ytd only) | 5.6714% | 2,853 |
| Net charge-offs to loans | 0.0048% | 4,069 |
| Credit loss provision to net charge-offs | 9,333.3333% | 19 |
| Earnings coverage of net charge-offs (x) | 279.3333% | 132 |
| Efficiency ratio | 84.1917% | 1,738 |
| Assets per employee ($millions) | 2.7851% | 6,293 |
| Cash dividends to net income (ytd only)* | 17.0251% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 4,783 |
| Loan loss allowance to noncurrent loans | 109.0940% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 3,739 |
| Noncurrent loans to loans | 1.1758% | 3,811 |
| Net loans and leases to total assets | 77.0591% | 714 |
| Net loans and leases to deposits | 89.3954% | 1,016 |
| Net loans and leases to core deposits | 99.7517% | 963 |
| Total domestic deposits to total assets | 86.2002% | 3,415 |
| Equity capital to assets | 10.3333% | 3,754 |
| Core capital (leverage) ratio | 9.8178% | 3,643 |
| Tier 1 risk-based capital ratio | 12.6572% | 5,464 |
| Total risk-based capital ratio | 13.9081% | 5,423 |
| Memoranda: | ||
| Average total assets | $321,134,000 | 2,039 |
| Average earning assets | $297,817,500 | 2,020 |
| Average equity | $32,655,000 | 2,140 |
| Average total loans | $251,897,500 | 1,655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 659 |
| Cost of funding earning assets | 0.7101% | 3,411 |
| Net interest margin | 4.7613% | 580 |
| Noninterest income to average assets | 2.9692% | 261 |
| Noninterest expense to average assets | 5.5230% | 272 |
| Loan and lease loss provision to assets | 0.2797% | 2,413 |
| Net operating income to assets | 1.5833% | 776 |
| Return on assets (ROA) | 1.7022% | 693 |
| Pretax return on assets | 1.7022% | 1,132 |
| Return on Equity (ROE) | 17.0799% | 524 |
| Retained earnings to average equity (ytd only) | 8.4988% | 964 |
| Net charge-offs to loans | 0.2581% | 3,393 |
| Credit loss provision to net charge-offs | 139.6850% | 1,972 |
| Earnings coverage of net charge-offs (x) | 9.3039% | 2,276 |
| Efficiency ratio | 74.7769% | 2,936 |
| Assets per employee ($millions) | 2.9259% | 6,119 |
| Cash dividends to net income (ytd only)* | 50.2408% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,420 |
| Loan loss allowance to noncurrent loans | 125.0862% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0053% | 4,024 |
| Noncurrent loans to loans | 0.9064% | 4,374 |
| Net loans and leases to total assets | 77.9176% | 686 |
| Net loans and leases to deposits | 89.8390% | 1,088 |
| Net loans and leases to core deposits | 99.8903% | 1,035 |
| Total domestic deposits to total assets | 86.7303% | 2,973 |
| Equity capital to assets | 10.0077% | 4,154 |
| Core capital (leverage) ratio | 9.5113% | 4,087 |
| Tier 1 risk-based capital ratio | 12.6162% | 5,385 |
| Total risk-based capital ratio | 13.8287% | 5,369 |
| Memoranda: | ||
| Average total assets | $317,126,400 | 2,025 |
| Average earning assets | $294,187,200 | 2,007 |
| Average equity | $31,604,400 | 2,162 |
| Average total loans | $246,060,600 | 1,678 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 759 |
| Cost of funding earning assets | 0.7293% | 3,526 |
| Net interest margin | 4.7150% | 659 |
| Noninterest income to average assets | 2.9575% | 251 |
| Noninterest expense to average assets | 5.5677% | 258 |
| Loan and lease loss provision to assets | 0.3117% | 2,118 |
| Net operating income to assets | 1.4614% | 1,100 |
| Return on assets (ROA) | 1.6209% | 893 |
| Pretax return on assets | 1.6209% | 1,507 |
| Return on Equity (ROE) | 16.2817% | 697 |
| Retained earnings to average equity (ytd only) | 10.5287% | 779 |
| Net charge-offs to loans | 0.2195% | 3,412 |
| Credit loss provision to net charge-offs | 183.7905% | 1,509 |
| Earnings coverage of net charge-offs (x) | 10.4539% | 2,189 |
| Efficiency ratio | 75.8456% | 2,700 |
| Assets per employee ($millions) | 2.7533% | 6,423 |
| Cash dividends to net income (ytd only)* | 35.3340% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 5,579 |
| Loan loss allowance to noncurrent loans | 56.2547% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 2,726 |
| Noncurrent loans to loans | 2.0164% | 2,828 |
| Net loans and leases to total assets | 80.1072% | 499 |
| Net loans and leases to deposits | 97.4286% | 575 |
| Net loans and leases to core deposits | 109.3382% | 594 |
| Total domestic deposits to total assets | 82.2214% | 4,943 |
| Equity capital to assets | 10.0289% | 4,453 |
| Core capital (leverage) ratio | 9.4348% | 4,370 |
| Tier 1 risk-based capital ratio | 12.6026% | 5,565 |
| Total risk-based capital ratio | 13.8516% | 5,524 |
| Memoranda: | ||
| Average total assets | $315,215,500 | 2,063 |
| Average earning assets | $293,040,250 | 2,036 |
| Average equity | $31,380,000 | 2,194 |
| Average total loans | $243,587,000 | 1,707 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3878% | 888 |
| Cost of funding earning assets | 0.7560% | 3,558 |
| Net interest margin | 4.6318% | 778 |
| Noninterest income to average assets | 2.9123% | 256 |
| Noninterest expense to average assets | 5.4720% | 279 |
| Loan and lease loss provision to assets | 0.2417% | 2,647 |
| Net operating income to assets | 1.5033% | 984 |
| Return on assets (ROA) | 1.7449% | 695 |
| Pretax return on assets | 1.7449% | 1,149 |
| Return on Equity (ROE) | 17.5732% | 561 |
| Retained earnings to average equity (ytd only) | 11.3173% | 687 |
| Net charge-offs to loans | 0.0194% | 5,137 |
| Credit loss provision to net charge-offs | 1,639.1304% | 197 |
| Earnings coverage of net charge-offs (x) | 118.3478% | 369 |
| Efficiency ratio | 75.8216% | 2,769 |
| Assets per employee ($millions) | 2.7413% | 6,487 |
| Cash dividends to net income (ytd only)* | 35.5988% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 5,402 |
| Loan loss allowance to noncurrent loans | 74.2645% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 3,334 |
| Noncurrent loans to loans | 1.6019% | 3,508 |
| Net loans and leases to total assets | 78.4660% | 673 |
| Net loans and leases to deposits | 93.8413% | 783 |
| Net loans and leases to core deposits | 106.0116% | 741 |
| Total domestic deposits to total assets | 83.6156% | 4,479 |
| Equity capital to assets | 9.8989% | 4,490 |
| Core capital (leverage) ratio | 9.4123% | 4,279 |
| Tier 1 risk-based capital ratio | 12.8542% | 5,295 |
| Total risk-based capital ratio | 14.1052% | 5,268 |
| Memoranda: | ||
| Average total assets | $311,990,330 | 2,079 |
| Average earning assets | $289,952,670 | 2,055 |
| Average equity | $30,979,000 | 2,206 |
| Average total loans | $237,033,670 | 1,741 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2986% | 1,097 |
| Cost of funding earning assets | 0.7811% | 3,622 |
| Net interest margin | 4.5175% | 980 |
| Noninterest income to average assets | 2.7949% | 267 |
| Noninterest expense to average assets | 5.3140% | 297 |
| Loan and lease loss provision to assets | 0.2032% | 2,914 |
| Net operating income to assets | 1.4628% | 1,097 |
| Return on assets (ROA) | 1.4628% | 1,226 |
| Pretax return on assets | 1.4628% | 1,986 |
| Return on Equity (ROE) | 14.7088% | 1,035 |
| Retained earnings to average equity (ytd only) | 13.9798% | 567 |
| Net charge-offs to loans | -0.0122% | 6,008 |
| Credit loss provision to net charge-offs | -2,242.8571% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1313% | 2,767 |
| Assets per employee ($millions) | 2.6961% | 6,642 |
| Cash dividends to net income (ytd only)* | 4.9558% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,241 |
| Loan loss allowance to noncurrent loans | 80.6821% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.7706% | 3,213 |
| Noncurrent loans to loans | 1.5497% | 3,788 |
| Net loans and leases to total assets | 72.3337% | 1,342 |
| Net loans and leases to deposits | 83.6240% | 1,713 |
| Net loans and leases to core deposits | 94.2550% | 1,445 |
| Total domestic deposits to total assets | 86.4987% | 3,244 |
| Equity capital to assets | 10.1553% | 3,907 |
| Core capital (leverage) ratio | 9.3089% | 4,348 |
| Tier 1 risk-based capital ratio | 13.4209% | 4,888 |
| Total risk-based capital ratio | 14.6716% | 4,875 |
| Memoranda: | ||
| Average total assets | $308,992,500 | 2,106 |
| Average earning assets | $286,264,000 | 2,089 |
| Average equity | $30,730,000 | 2,219 |
| Average total loans | $229,293,000 | 1,795 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 922 |
| Cost of funding earning assets | 0.9288% | 3,888 |
| Net interest margin | 4.6887% | 772 |
| Noninterest income to average assets | 1.6984% | 490 |
| Noninterest expense to average assets | 4.4394% | 619 |
| Loan and lease loss provision to assets | 0.4044% | 2,574 |
| Net operating income to assets | 1.2263% | 1,441 |
| Return on assets (ROA) | 1.3614% | 1,197 |
| Pretax return on assets | 1.3614% | 1,906 |
| Return on Equity (ROE) | 14.2686% | 868 |
| Retained earnings to average equity (ytd only) | 7.5652% | 1,244 |
| Net charge-offs to loans | 0.5550% | 2,793 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.0325% | 3,296 |
| Efficiency ratio | 73.1361% | 3,371 |
| Assets per employee ($millions) | 2.7011% | 6,608 |
| Cash dividends to net income (ytd only)* | 46.9802% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 5,682 |
| Loan loss allowance to noncurrent loans | 126.1304% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1998% | 4,237 |
| Noncurrent loans to loans | 0.9000% | 4,887 |
| Net loans and leases to total assets | 74.3005% | 1,215 |
| Net loans and leases to deposits | 88.9769% | 1,270 |
| Net loans and leases to core deposits | 99.9684% | 1,182 |
| Total domestic deposits to total assets | 83.5054% | 4,536 |
| Equity capital to assets | 9.7373% | 4,535 |
| Core capital (leverage) ratio | 8.9063% | 4,927 |
| Tier 1 risk-based capital ratio | 12.5221% | 5,425 |
| Total risk-based capital ratio | 13.7283% | 5,453 |
| Memoranda: | ||
| Average total assets | $296,755,000 | 2,159 |
| Average earning assets | $276,688,400 | 2,124 |
| Average equity | $28,314,000 | 2,311 |
| Average total loans | $216,201,200 | 1,901 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 1,117 |
| Cost of funding earning assets | 0.9613% | 3,947 |
| Net interest margin | 4.5980% | 950 |
| Noninterest income to average assets | 1.4984% | 587 |
| Noninterest expense to average assets | 4.3738% | 656 |
| Loan and lease loss provision to assets | 0.4592% | 2,165 |
| Net operating income to assets | 0.9510% | 2,527 |
| Return on assets (ROA) | 1.1179% | 2,047 |
| Pretax return on assets | 1.1179% | 2,930 |
| Return on Equity (ROE) | 11.7804% | 1,600 |
| Retained earnings to average equity (ytd only) | 6.3046% | 2,368 |
| Net charge-offs to loans | 0.2272% | 4,018 |
| Credit loss provision to net charge-offs | 279.7784% | 1,027 |
| Earnings coverage of net charge-offs (x) | 8.5928% | 2,152 |
| Efficiency ratio | 75.6190% | 2,896 |
| Assets per employee ($millions) | 2.8458% | 6,408 |
| Cash dividends to net income (ytd only)* | 46.4823% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 4,006 |
| Loan loss allowance to noncurrent loans | 63.6802% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.4581% | 2,621 |
| Noncurrent loans to loans | 2.3874% | 2,901 |
| Net loans and leases to total assets | 72.1840% | 1,671 |
| Net loans and leases to deposits | 83.4521% | 2,101 |
| Net loans and leases to core deposits | 94.6205% | 1,733 |
| Total domestic deposits to total assets | 86.4975% | 2,937 |
| Equity capital to assets | 9.9230% | 4,443 |
| Core capital (leverage) ratio | 9.0440% | 4,860 |
| Tier 1 risk-based capital ratio | 12.8316% | 5,218 |
| Total risk-based capital ratio | 14.0770% | 5,202 |
| Memoranda: | ||
| Average total assets | $293,286,500 | 2,183 |
| Average earning assets | $273,360,250 | 2,148 |
| Average equity | $27,830,750 | 2,341 |
| Average total loans | $211,889,250 | 1,959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 1,375 |
| Cost of funding earning assets | 0.9855% | 4,049 |
| Net interest margin | 4.4801% | 1,181 |
| Noninterest income to average assets | 1.3140% | 728 |
| Noninterest expense to average assets | 4.3400% | 710 |
| Loan and lease loss provision to assets | 0.5472% | 1,775 |
| Net operating income to assets | 0.6183% | 3,969 |
| Return on assets (ROA) | 0.8400% | 3,003 |
| Pretax return on assets | 0.8400% | 3,870 |
| Return on Equity (ROE) | 8.9903% | 2,520 |
| Retained earnings to average equity (ytd only) | 3.4116% | 4,085 |
| Net charge-offs to loans | 0.2635% | 3,575 |
| Credit loss provision to net charge-offs | 288.8087% | 1,061 |
| Earnings coverage of net charge-offs (x) | 6.1516% | 2,454 |
| Efficiency ratio | 78.8297% | 2,582 |
| Assets per employee ($millions) | 2.8716% | 6,350 |
| Cash dividends to net income (ytd only)* | 62.0521% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,920 |
| Loan loss allowance to noncurrent loans | 59.7327% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 2.5622% | 2,605 |
| Noncurrent loans to loans | 2.5872% | 2,789 |
| Net loans and leases to total assets | 69.6998% | 2,283 |
| Net loans and leases to deposits | 80.2618% | 2,746 |
| Net loans and leases to core deposits | 90.9856% | 2,258 |
| Total domestic deposits to total assets | 86.8406% | 2,829 |
| Equity capital to assets | 9.5574% | 4,726 |
| Core capital (leverage) ratio | 8.9456% | 4,812 |
| Tier 1 risk-based capital ratio | 12.7652% | 5,117 |
| Total risk-based capital ratio | 14.0153% | 5,087 |
| Memoranda: | ||
| Average total assets | $292,395,670 | 2,198 |
| Average earning assets | $273,567,000 | 2,153 |
| Average equity | $27,318,330 | 2,361 |
| Average total loans | $210,208,000 | 1,991 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4590% | 1,404 |
| Cost of funding earning assets | 0.9864% | 4,296 |
| Net interest margin | 4.4726% | 1,125 |
| Noninterest income to average assets | 1.2440% | 820 |
| Noninterest expense to average assets | 4.3654% | 683 |
| Loan and lease loss provision to assets | 0.6949% | 1,215 |
| Net operating income to assets | 0.4033% | 4,933 |
| Return on assets (ROA) | 0.8447% | 2,857 |
| Pretax return on assets | 0.8447% | 3,721 |
| Return on Equity (ROE) | 9.1452% | 2,411 |
| Retained earnings to average equity (ytd only) | 8.3929% | 1,587 |
| Net charge-offs to loans | 0.2934% | 2,879 |
| Credit loss provision to net charge-offs | 326.9231% | 995 |
| Earnings coverage of net charge-offs (x) | 5.1667% | 2,320 |
| Efficiency ratio | 79.9002% | 2,553 |
| Assets per employee ($millions) | 2.8957% | 6,360 |
| Cash dividends to net income (ytd only)* | 8.2258% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 4,104 |
| Loan loss allowance to noncurrent loans | 54.4104% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,933 |
| Noncurrent loans to loans | 2.7963% | 2,704 |
| Net loans and leases to total assets | 67.1461% | 2,727 |
| Net loans and leases to deposits | 77.1553% | 3,227 |
| Net loans and leases to core deposits | 88.5042% | 2,536 |
| Total domestic deposits to total assets | 87.0272% | 2,921 |
| Equity capital to assets | 9.4071% | 4,561 |
| Core capital (leverage) ratio | 9.0118% | 4,594 |
| Tier 1 risk-based capital ratio | 13.2246% | 4,644 |
| Total risk-based capital ratio | 14.4590% | 4,638 |
| Memoranda: | ||
| Average total assets | $293,579,500 | 2,201 |
| Average earning assets | $276,974,500 | 2,140 |
| Average equity | $27,118,000 | 2,365 |
| Average total loans | $212,651,000 | 1,990 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 1,041 |
| Cost of funding earning assets | 1.2054% | 4,532 |
| Net interest margin | 4.6960% | 826 |
| Noninterest income to average assets | 1.9669% | 408 |
| Noninterest expense to average assets | 4.6430% | 577 |
| Loan and lease loss provision to assets | 0.4497% | 3,433 |
| Net operating income to assets | 1.2853% | 1,213 |
| Return on assets (ROA) | 1.3544% | 1,110 |
| Pretax return on assets | 1.3544% | 1,784 |
| Return on Equity (ROE) | 14.4683% | 801 |
| Retained earnings to average equity (ytd only) | 6.4343% | 1,595 |
| Net charge-offs to loans | 0.5144% | 3,559 |
| Credit loss provision to net charge-offs | 118.4866% | 3,587 |
| Earnings coverage of net charge-offs (x) | 4.5718% | 2,876 |
| Efficiency ratio | 72.7972% | 3,639 |
| Assets per employee ($millions) | 2.8892% | 6,353 |
| Cash dividends to net income (ytd only)* | 55.5287% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,673 |
| Loan loss allowance to noncurrent loans | 195.4277% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 5,394 |
| Noncurrent loans to loans | 0.5951% | 5,854 |
| Net loans and leases to total assets | 75.6791% | 1,339 |
| Net loans and leases to deposits | 89.9583% | 1,527 |
| Net loans and leases to core deposits | 103.1374% | 1,376 |
| Total domestic deposits to total assets | 84.1269% | 4,307 |
| Equity capital to assets | 9.0715% | 5,042 |
| Core capital (leverage) ratio | 8.6188% | 5,163 |
| Tier 1 risk-based capital ratio | 11.9036% | 5,566 |
| Total risk-based capital ratio | 13.1470% | 5,553 |
| Memoranda: | ||
| Average total assets | $275,101,600 | 2,320 |
| Average earning assets | $258,412,400 | 2,272 |
| Average equity | $25,752,800 | 2,478 |
| Average total loans | $202,953,800 | 2,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9099% | 1,112 |
| Cost of funding earning assets | 1.2557% | 4,539 |
| Net interest margin | 4.6542% | 936 |
| Noninterest income to average assets | 1.8915% | 411 |
| Noninterest expense to average assets | 4.6266% | 521 |
| Loan and lease loss provision to assets | 0.3033% | 4,150 |
| Net operating income to assets | 1.3299% | 1,284 |
| Return on assets (ROA) | 1.4239% | 1,135 |
| Pretax return on assets | 1.4239% | 1,811 |
| Return on Equity (ROE) | 15.0823% | 844 |
| Retained earnings to average equity (ytd only) | 10.4811% | 689 |
| Net charge-offs to loans | 0.2094% | 4,689 |
| Credit loss provision to net charge-offs | 198.3819% | 1,804 |
| Earnings coverage of net charge-offs (x) | 10.6828% | 1,867 |
| Efficiency ratio | 73.9093% | 3,340 |
| Assets per employee ($millions) | 2.7661% | 6,661 |
| Cash dividends to net income (ytd only)* | 30.5073% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 5,016 |
| Loan loss allowance to noncurrent loans | 82.5217% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2579% | 4,633 |
| Noncurrent loans to loans | 1.5650% | 4,292 |
| Net loans and leases to total assets | 74.8219% | 1,615 |
| Net loans and leases to deposits | 88.5955% | 1,927 |
| Net loans and leases to core deposits | 102.3997% | 1,616 |
| Total domestic deposits to total assets | 84.4534% | 3,895 |
| Equity capital to assets | 9.5304% | 4,792 |
| Core capital (leverage) ratio | 8.8112% | 4,984 |
| Tier 1 risk-based capital ratio | 11.7640% | 5,675 |
| Total risk-based capital ratio | 13.0150% | 5,646 |
| Memoranda: | ||
| Average total assets | $269,479,000 | 2,401 |
| Average earning assets | $252,926,750 | 2,344 |
| Average equity | $25,442,000 | 2,543 |
| Average total loans | $196,726,000 | 2,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9123% | 1,156 |
| Cost of funding earning assets | 1.2748% | 4,689 |
| Net interest margin | 4.6375% | 917 |
| Noninterest income to average assets | 1.7130% | 451 |
| Noninterest expense to average assets | 4.5834% | 527 |
| Loan and lease loss provision to assets | 0.2925% | 4,044 |
| Net operating income to assets | 1.1845% | 1,598 |
| Return on assets (ROA) | 1.3278% | 1,317 |
| Pretax return on assets | 1.3278% | 2,009 |
| Return on Equity (ROE) | 14.1108% | 1,024 |
| Retained earnings to average equity (ytd only) | 9.4472% | 975 |
| Net charge-offs to loans | 0.2900% | 3,883 |
| Credit loss provision to net charge-offs | 140.0722% | 2,861 |
| Earnings coverage of net charge-offs (x) | 7.0722% | 2,364 |
| Efficiency ratio | 75.6283% | 3,135 |
| Assets per employee ($millions) | 2.7434% | 6,703 |
| Cash dividends to net income (ytd only)* | 33.0494% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 4,992 |
| Loan loss allowance to noncurrent loans | 88.4033% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 4,825 |
| Noncurrent loans to loans | 1.4573% | 4,523 |
| Net loans and leases to total assets | 73.2131% | 2,105 |
| Net loans and leases to deposits | 84.9148% | 2,720 |
| Net loans and leases to core deposits | 100.5861% | 1,957 |
| Total domestic deposits to total assets | 86.2196% | 2,958 |
| Equity capital to assets | 9.4866% | 4,722 |
| Core capital (leverage) ratio | 8.8609% | 4,817 |
| Tier 1 risk-based capital ratio | 12.5754% | 4,792 |
| Total risk-based capital ratio | 13.8271% | 4,768 |
| Memoranda: | ||
| Average total assets | $265,259,330 | 2,463 |
| Average earning assets | $248,666,330 | 2,406 |
| Average equity | $24,959,670 | 2,595 |
| Average total loans | $191,013,670 | 2,304 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9418% | 1,100 |
| Cost of funding earning assets | 1.2779% | 4,948 |
| Net interest margin | 4.6639% | 842 |
| Noninterest income to average assets | 1.5668% | 496 |
| Noninterest expense to average assets | 4.4363% | 619 |
| Loan and lease loss provision to assets | 0.3917% | 3,023 |
| Net operating income to assets | 1.1053% | 1,815 |
| Return on assets (ROA) | 1.1053% | 1,896 |
| Pretax return on assets | 1.1053% | 2,715 |
| Return on Equity (ROE) | 11.7957% | 1,547 |
| Retained earnings to average equity (ytd only) | 10.9855% | 926 |
| Net charge-offs to loans | 0.3383% | 3,057 |
| Credit loss provision to net charge-offs | 163.2911% | 2,221 |
| Earnings coverage of net charge-offs (x) | 6.2405% | 2,259 |
| Efficiency ratio | 74.7697% | 3,442 |
| Assets per employee ($millions) | 2.7097% | 6,846 |
| Cash dividends to net income (ytd only)* | 6.8681% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 4,766 |
| Loan loss allowance to noncurrent loans | 129.2720% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9282% | 5,292 |
| Noncurrent loans to loans | 1.0307% | 5,277 |
| Net loans and leases to total assets | 70.5846% | 2,788 |
| Net loans and leases to deposits | 83.8434% | 2,964 |
| Net loans and leases to core deposits | 99.6453% | 2,166 |
| Total domestic deposits to total assets | 84.1863% | 4,058 |
| Equity capital to assets | 9.3663% | 4,731 |
| Core capital (leverage) ratio | 8.7345% | 4,966 |
| Tier 1 risk-based capital ratio | 12.5356% | 4,713 |
| Total risk-based capital ratio | 13.7729% | 4,682 |
| Memoranda: | ||
| Average total assets | $263,463,000 | 2,534 |
| Average earning assets | $246,660,000 | 2,485 |
| Average equity | $24,687,000 | 2,642 |
| Average total loans | $186,818,500 | 2,410 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1454% | 1,388 |
| Cost of funding earning assets | 1.4213% | 5,841 |
| Net interest margin | 4.7241% | 804 |
| Noninterest income to average assets | 1.5524% | 596 |
| Noninterest expense to average assets | 4.3228% | 963 |
| Loan and lease loss provision to assets | 0.4399% | 4,191 |
| Net operating income to assets | 1.2203% | 1,196 |
| Return on assets (ROA) | 1.3026% | 1,074 |
| Pretax return on assets | 1.3026% | 1,686 |
| Return on Equity (ROE) | 15.0014% | 672 |
| Retained earnings to average equity (ytd only) | 1.5692% | 3,978 |
| Net charge-offs to loans | 0.2993% | 4,762 |
| Credit loss provision to net charge-offs | 209.5841% | 1,832 |
| Earnings coverage of net charge-offs (x) | 7.9096% | 2,044 |
| Efficiency ratio | 72.2515% | 4,228 |
| Assets per employee ($millions) | 2.6666% | 6,916 |
| Cash dividends to net income (ytd only)* | 89.5396% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,467 |
| Loan loss allowance to noncurrent loans | 117.1674% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 5,443 |
| Noncurrent loans to loans | 1.1539% | 5,023 |
| Net loans and leases to total assets | 69.3066% | 3,416 |
| Net loans and leases to deposits | 79.9187% | 4,013 |
| Net loans and leases to core deposits | 101.0564% | 3,896 |
| Total domestic deposits to total assets | 86.7214% | 2,641 |
| Equity capital to assets | 9.3743% | 4,598 |
| Core capital (leverage) ratio | 8.4019% | 5,432 |
| Tier 1 risk-based capital ratio | 12.5249% | 4,502 |
| Total risk-based capital ratio | 13.7761% | 4,445 |
| Memoranda: | ||
| Average total assets | $263,464,800 | 2,485 |
| Average earning assets | $247,097,000 | 2,431 |
| Average equity | $22,877,800 | 2,842 |
| Average total loans | $184,779,200 | 2,461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1274% | 1,558 |
| Cost of funding earning assets | 1.4370% | 6,096 |
| Net interest margin | 4.6905% | 842 |
| Noninterest income to average assets | 1.5894% | 584 |
| Noninterest expense to average assets | 4.2901% | 923 |
| Loan and lease loss provision to assets | 0.4075% | 3,879 |
| Net operating income to assets | 1.2937% | 1,236 |
| Return on assets (ROA) | 1.3980% | 1,096 |
| Pretax return on assets | 1.3980% | 1,700 |
| Return on Equity (ROE) | 16.4183% | 605 |
| Retained earnings to average equity (ytd only) | 11.7916% | 368 |
| Net charge-offs to loans | 0.2357% | 4,580 |
| Credit loss provision to net charge-offs | 246.6463% | 1,756 |
| Earnings coverage of net charge-offs (x) | 10.2958% | 1,977 |
| Efficiency ratio | 71.6051% | 4,313 |
| Assets per employee ($millions) | 2.7080% | 6,830 |
| Cash dividends to net income (ytd only)* | 28.1801% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,910 |
| Loan loss allowance to noncurrent loans | 76.1920% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1638% | 4,753 |
| Noncurrent loans to loans | 1.6252% | 4,206 |
| Net loans and leases to total assets | 69.4062% | 3,630 |
| Net loans and leases to deposits | 82.2301% | 3,976 |
| Net loans and leases to core deposits | 107.8079% | 3,492 |
| Total domestic deposits to total assets | 84.4049% | 3,532 |
| Equity capital to assets | 9.8254% | 4,317 |
| Core capital (leverage) ratio | 9.1076% | 4,481 |
| Tier 1 risk-based capital ratio | 12.9982% | 4,197 |
| Total risk-based capital ratio | 14.2485% | 4,125 |
| Memoranda: | ||
| Average total assets | $264,664,750 | 2,482 |
| Average earning assets | $248,384,500 | 2,439 |
| Average equity | $22,535,250 | 2,908 |
| Average total loans | $185,541,750 | 2,481 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1451% | 1,639 |
| Cost of funding earning assets | 1.4860% | 6,196 |
| Net interest margin | 4.6591% | 858 |
| Noninterest income to average assets | 1.7129% | 500 |
| Noninterest expense to average assets | 4.2744% | 985 |
| Loan and lease loss provision to assets | 0.4432% | 3,326 |
| Net operating income to assets | 1.3714% | 1,081 |
| Return on assets (ROA) | 1.4223% | 1,040 |
| Pretax return on assets | 1.4223% | 1,660 |
| Return on Equity (ROE) | 17.6238% | 522 |
| Retained earnings to average equity (ytd only) | 13.2602% | 302 |
| Net charge-offs to loans | 0.2893% | 3,746 |
| Credit loss provision to net charge-offs | 218.7266% | 2,104 |
| Earnings coverage of net charge-offs (x) | 8.9551% | 2,194 |
| Efficiency ratio | 70.1982% | 4,737 |
| Assets per employee ($millions) | 2.8452% | 6,526 |
| Cash dividends to net income (ytd only)* | 24.7599% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,288 |
| Loan loss allowance to noncurrent loans | 84.9256% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9464% | 5,089 |
| Noncurrent loans to loans | 1.3499% | 4,513 |
| Net loans and leases to total assets | 69.1957% | 3,902 |
| Net loans and leases to deposits | 81.6694% | 4,277 |
| Net loans and leases to core deposits | 108.9842% | 3,497 |
| Total domestic deposits to total assets | 84.7266% | 3,390 |
| Equity capital to assets | 9.1922% | 5,027 |
| Core capital (leverage) ratio | 8.7987% | 4,945 |
| Tier 1 risk-based capital ratio | 12.9427% | 4,190 |
| Total risk-based capital ratio | 14.1392% | 4,133 |
| Memoranda: | ||
| Average total assets | $263,523,000 | 2,502 |
| Average earning assets | $247,514,330 | 2,459 |
| Average equity | $21,266,670 | 3,065 |
| Average total loans | $184,587,670 | 2,516 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1011% | 1,939 |
| Cost of funding earning assets | 1.5663% | 6,171 |
| Net interest margin | 4.5348% | 1,057 |
| Noninterest income to average assets | 1.4285% | 690 |
| Noninterest expense to average assets | 4.0163% | 1,166 |
| Loan and lease loss provision to assets | 0.3444% | 3,260 |
| Net operating income to assets | 1.3193% | 1,337 |
| Return on assets (ROA) | 1.4223% | 1,178 |
| Pretax return on assets | 1.4223% | 1,902 |
| Return on Equity (ROE) | 18.9968% | 507 |
| Retained earnings to average equity (ytd only) | 17.6002% | 245 |
| Net charge-offs to loans | 0.1097% | 4,092 |
| Credit loss provision to net charge-offs | 448.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 21.6400% | 1,334 |
| Efficiency ratio | 70.7093% | 4,429 |
| Assets per employee ($millions) | 3.2038% | 5,585 |
| Cash dividends to net income (ytd only)* | 7.3514% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,711 |
| Loan loss allowance to noncurrent loans | 86.8353% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 4,790 |
| Noncurrent loans to loans | 1.2275% | 4,517 |
| Net loans and leases to total assets | 71.5406% | 3,340 |
| Net loans and leases to deposits | 81.5612% | 4,360 |
| Net loans and leases to core deposits | 107.8388% | 3,707 |
| Total domestic deposits to total assets | 87.7141% | 1,880 |
| Equity capital to assets | 7.6688% | 7,205 |
| Core capital (leverage) ratio | 7.2374% | 7,441 |
| Tier 1 risk-based capital ratio | 10.4698% | 6,428 |
| Total risk-based capital ratio | 11.5910% | 6,473 |
| Memoranda: | ||
| Average total assets | $260,138,000 | 2,549 |
| Average earning assets | $243,890,500 | 2,503 |
| Average equity | $19,477,000 | 3,347 |
| Average total loans | $182,281,500 | 2,563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8083% | 1,650 |
| Cost of funding earning assets | 2.1741% | 5,709 |
| Net interest margin | 4.6342% | 1,084 |
| Noninterest income to average assets | 0.7300% | 2,907 |
| Noninterest expense to average assets | 3.6093% | 2,121 |
| Loan and lease loss provision to assets | 0.2026% | 4,866 |
| Net operating income to assets | 1.1952% | 1,788 |
| Return on assets (ROA) | 1.2185% | 1,662 |
| Pretax return on assets | 1.2185% | 2,582 |
| Return on Equity (ROE) | 14.1277% | 1,078 |
| Retained earnings to average equity (ytd only) | 4.0696% | 2,596 |
| Net charge-offs to loans | 0.1503% | 4,703 |
| Credit loss provision to net charge-offs | 169.0476% | 3,039 |
| Earnings coverage of net charge-offs (x) | 11.6627% | 2,350 |
| Efficiency ratio | 72.0840% | 3,917 |
| Assets per employee ($millions) | 3.0662% | 5,873 |
| Cash dividends to net income (ytd only)* | 71.1944% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 5,542 |
| Loan loss allowance to noncurrent loans | 85.3850% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 4,572 |
| Noncurrent loans to loans | 1.2423% | 4,033 |
| Net loans and leases to total assets | 67.0668% | 4,625 |
| Net loans and leases to deposits | 74.3100% | 5,810 |
| Net loans and leases to core deposits | 92.9664% | 5,550 |
| Total domestic deposits to total assets | 90.2528% | 567 |
| Equity capital to assets | 7.3020% | 7,557 |
| Core capital (leverage) ratio | 7.5305% | 7,170 |
| Tier 1 risk-based capital ratio | 10.1763% | 6,542 |
| Total risk-based capital ratio | 11.2202% | 6,650 |
| Memoranda: | ||
| Average total assets | $210,261,600 | 3,005 |
| Average earning assets | $194,056,400 | 2,976 |
| Average equity | $18,134,600 | 3,540 |
| Average total loans | $167,719,200 | 2,647 |