Home > First National Bank and Trust > Performance and Condition Ratios
First National Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 2,575 |
| Cost of funding earning assets | 1.3564% | 2,339 |
| Net interest margin | 3.3915% | 2,418 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 3.1070% | 947 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.7983% | 2,875 |
| Return on assets (ROA) | 0.7983% | 2,858 |
| Pretax return on assets | 0.8337% | 3,132 |
| Return on Equity (ROE) | 6.9000% | 3,307 |
| Retained earnings to average equity (ytd only) | 4.2869% | 2,868 |
| Net charge-offs to loans | -0.0632% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.4535% | 1,120 |
| Assets per employee ($millions) | 4.6223% | 3,876 |
| Cash dividends to net income (ytd only)* | 37.8378% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 423 |
| Loan loss allowance to noncurrent loans | 422.7064% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 1,757 |
| Noncurrent loans to loans | 0.4597% | 1,632 |
| Net loans and leases to total assets | 63.8700% | 2,473 |
| Net loans and leases to deposits | 77.5743% | 2,310 |
| Net loans and leases to core deposits | 84.7678% | 2,398 |
| Total domestic deposits to total assets | 82.3400% | 3,058 |
| Equity capital to assets | 11.8884% | 1,173 |
| Core capital (leverage) ratio | 14.3370% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5450% | 728 |
| Memoranda: | ||
| Average total assets | $282,715,200 | 2,510 |
| Average earning assets | $265,189,200 | 2,492 |
| Average equity | $32,727,800 | 2,155 |
| Average total loans | $174,092,800 | 2,497 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 2,738 |
| Cost of funding earning assets | 1.2470% | 2,289 |
| Net interest margin | 3.3281% | 2,625 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.9865% | 1,091 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8572% | 2,836 |
| Return on assets (ROA) | 0.8572% | 2,820 |
| Pretax return on assets | 0.8938% | 3,117 |
| Return on Equity (ROE) | 7.4600% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.9897% | 2,637 |
| Net charge-offs to loans | -0.0219% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.0344% | 1,164 |
| Assets per employee ($millions) | 4.8152% | 3,726 |
| Cash dividends to net income (ytd only)* | 19.6785% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 431 |
| Loan loss allowance to noncurrent loans | 107.3858% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 403 |
| Noncurrent loans to loans | 1.8106% | 355 |
| Net loans and leases to total assets | 62.2000% | 2,633 |
| Net loans and leases to deposits | 77.7314% | 2,272 |
| Net loans and leases to core deposits | 84.7340% | 2,280 |
| Total domestic deposits to total assets | 80.0200% | 3,526 |
| Equity capital to assets | 11.1307% | 1,293 |
| Core capital (leverage) ratio | 14.5132% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7308% | 728 |
| Memoranda: | ||
| Average total assets | $280,592,000 | 2,522 |
| Average earning assets | $262,483,750 | 2,507 |
| Average equity | $32,254,750 | 2,160 |
| Average total loans | $170,193,000 | 2,528 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 2,909 |
| Cost of funding earning assets | 1.0403% | 2,476 |
| Net interest margin | 3.3481% | 2,650 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.0040% | 1,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8954% | 2,767 |
| Return on assets (ROA) | 0.8954% | 2,755 |
| Pretax return on assets | 0.9319% | 3,096 |
| Return on Equity (ROE) | 7.7100% | 3,312 |
| Retained earnings to average equity (ytd only) | 6.2466% | 2,526 |
| Net charge-offs to loans | -0.0372% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.3230% | 1,147 |
| Assets per employee ($millions) | 4.6780% | 3,838 |
| Cash dividends to net income (ytd only)* | 18.9448% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 428 |
| Loan loss allowance to noncurrent loans | 103.4305% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 355 |
| Noncurrent loans to loans | 1.9194% | 301 |
| Net loans and leases to total assets | 59.9300% | 2,774 |
| Net loans and leases to deposits | 74.2719% | 2,463 |
| Net loans and leases to core deposits | 80.8878% | 2,417 |
| Total domestic deposits to total assets | 80.6900% | 3,473 |
| Equity capital to assets | 11.6278% | 1,162 |
| Core capital (leverage) ratio | 14.5756% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $279,423,333 | 2,531 |
| Average earning assets | $261,278,667 | 2,523 |
| Average equity | $32,465,667 | 2,168 |
| Average total loans | $166,850,333 | 2,546 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 3,017 |
| Cost of funding earning assets | 0.8625% | 2,500 |
| Net interest margin | 3.3471% | 2,761 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 3.1019% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8537% | 3,004 |
| Return on assets (ROA) | 0.8537% | 2,956 |
| Pretax return on assets | 0.8666% | 3,316 |
| Return on Equity (ROE) | 7.3500% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.8802% | 2,796 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.1634% | 987 |
| Assets per employee ($millions) | 4.6783% | 3,908 |
| Cash dividends to net income (ytd only)* | 20.0000% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 389 |
| Loan loss allowance to noncurrent loans | 272.6979% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 1,100 |
| Noncurrent loans to loans | 0.7623% | 1,009 |
| Net loans and leases to total assets | 57.6100% | 2,901 |
| Net loans and leases to deposits | 67.1166% | 2,843 |
| Net loans and leases to core deposits | 72.4698% | 2,785 |
| Total domestic deposits to total assets | 85.8400% | 2,640 |
| Equity capital to assets | 12.0978% | 974 |
| Core capital (leverage) ratio | 14.3690% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $278,795,000 | 2,562 |
| Average earning assets | $260,164,000 | 2,560 |
| Average equity | $32,380,000 | 2,197 |
| Average total loans | $164,466,500 | 2,593 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6952% | 2,538 |
| Cost of funding earning assets | 0.4658% | 1,608 |
| Net interest margin | 3.2295% | 2,771 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 3.0985% | 836 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.6538% | 3,748 |
| Return on assets (ROA) | 0.6538% | 3,698 |
| Pretax return on assets | 0.6822% | 3,888 |
| Return on Equity (ROE) | 5.3400% | 3,959 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,501 |
| Net charge-offs to loans | 0.1527% | 539 |
| Credit loss provision to net charge-offs | 138.6555% | 1,352 |
| Earnings coverage of net charge-offs (x) | 9.2479% | 2,230 |
| Efficiency ratio | 79.4280% | 762 |
| Assets per employee ($millions) | 4.3319% | 4,124 |
| Cash dividends to net income (ytd only)* | 30.9537% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 412 |
| Loan loss allowance to noncurrent loans | 91.4905% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.3105% | 271 |
| Noncurrent loans to loans | 2.2158% | 229 |
| Net loans and leases to total assets | 57.9500% | 2,828 |
| Net loans and leases to deposits | 68.9846% | 2,669 |
| Net loans and leases to core deposits | 72.9049% | 2,654 |
| Total domestic deposits to total assets | 84.0000% | 3,207 |
| Equity capital to assets | 11.1403% | 1,206 |
| Core capital (leverage) ratio | 14.2832% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $274,259,000 | 2,579 |
| Average earning assets | $258,062,200 | 2,560 |
| Average equity | $33,561,200 | 2,179 |
| Average total loans | $155,836,200 | 2,581 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 2,139 |
| Cost of funding earning assets | 0.3562% | 1,652 |
| Net interest margin | 3.3122% | 2,260 |
| Noninterest income to average assets | 0.8800% | 864 |
| Noninterest expense to average assets | 3.0104% | 891 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.8609% | 3,029 |
| Return on assets (ROA) | 0.8609% | 3,006 |
| Pretax return on assets | 0.8981% | 3,319 |
| Return on Equity (ROE) | 6.8800% | 3,612 |
| Retained earnings to average equity (ytd only) | 4.7063% | 3,196 |
| Net charge-offs to loans | 0.2411% | 285 |
| Credit loss provision to net charge-offs | 71.1191% | 1,451 |
| Earnings coverage of net charge-offs (x) | 7.3357% | 2,076 |
| Efficiency ratio | 75.1680% | 1,156 |
| Assets per employee ($millions) | 4.3514% | 4,152 |
| Cash dividends to net income (ytd only)* | 31.5520% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9508% | 544 |
| Loan loss allowance to noncurrent loans | 91.8052% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2532% | 311 |
| Noncurrent loans to loans | 2.1250% | 276 |
| Net loans and leases to total assets | 57.8200% | 2,717 |
| Net loans and leases to deposits | 69.0410% | 2,449 |
| Net loans and leases to core deposits | 74.4928% | 2,312 |
| Total domestic deposits to total assets | 83.7500% | 3,550 |
| Equity capital to assets | 10.7448% | 1,272 |
| Core capital (leverage) ratio | 14.2875% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $272,430,750 | 2,611 |
| Average earning assets | $257,184,000 | 2,589 |
| Average equity | $34,109,500 | 2,184 |
| Average total loans | $153,161,500 | 2,603 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5127% | 2,101 |
| Cost of funding earning assets | 0.2537% | 2,214 |
| Net interest margin | 3.2591% | 2,033 |
| Noninterest income to average assets | 0.8291% | 986 |
| Noninterest expense to average assets | 2.9274% | 949 |
| Loan and lease loss provision to assets | 0.0222% | 2,201 |
| Net operating income to assets | 0.9201% | 2,487 |
| Return on assets (ROA) | 0.9201% | 2,457 |
| Pretax return on assets | 0.9585% | 2,874 |
| Return on Equity (ROE) | 7.0075% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.0077% | 2,707 |
| Net charge-offs to loans | 0.3880% | 179 |
| Credit loss provision to net charge-offs | 10.3448% | 1,630 |
| Earnings coverage of net charge-offs (x) | 4.5724% | 1,950 |
| Efficiency ratio | 74.9054% | 1,402 |
| Assets per employee ($millions) | 4.2631% | 4,228 |
| Cash dividends to net income (ytd only)* | 28.5370% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 590 |
| Loan loss allowance to noncurrent loans | 144.8755% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 684 |
| Noncurrent loans to loans | 1.3586% | 570 |
| Net loans and leases to total assets | 55.2204% | 2,831 |
| Net loans and leases to deposits | 63.5059% | 2,769 |
| Net loans and leases to core deposits | 68.2779% | 2,625 |
| Total domestic deposits to total assets | 86.9532% | 2,955 |
| Equity capital to assets | 11.9586% | 891 |
| Core capital (leverage) ratio | 14.3543% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,411,667 | 2,645 |
| Average earning assets | $255,470,000 | 2,627 |
| Average equity | $35,505,000 | 2,182 |
| Average total loans | $149,469,333 | 2,649 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2986% | 2,392 |
| Cost of funding earning assets | 0.2408% | 2,260 |
| Net interest margin | 3.0578% | 2,302 |
| Noninterest income to average assets | 0.8499% | 931 |
| Noninterest expense to average assets | 2.8217% | 1,118 |
| Loan and lease loss provision to assets | 0.0446% | 1,557 |
| Net operating income to assets | 0.8395% | 2,524 |
| Return on assets (ROA) | 0.8395% | 2,518 |
| Pretax return on assets | 0.8707% | 2,886 |
| Return on Equity (ROE) | 6.1174% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.4392% | 2,794 |
| Net charge-offs to loans | -0.3257% | 4,669 |
| Credit loss provision to net charge-offs | -25.0000% | 2,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5070% | 1,585 |
| Assets per employee ($millions) | 4.3686% | 4,219 |
| Cash dividends to net income (ytd only)* | 27.4336% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3450% | 344 |
| Loan loss allowance to noncurrent loans | 147.3820% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 624 |
| Noncurrent loans to loans | 1.5911% | 506 |
| Net loans and leases to total assets | 52.7980% | 2,906 |
| Net loans and leases to deposits | 60.7891% | 2,828 |
| Net loans and leases to core deposits | 65.2629% | 2,692 |
| Total domestic deposits to total assets | 86.8544% | 2,977 |
| Equity capital to assets | 12.9381% | 700 |
| Core capital (leverage) ratio | 14.0582% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,197,000 | 2,668 |
| Average earning assets | $254,168,500 | 2,658 |
| Average equity | $36,943,500 | 2,181 |
| Average total loans | $147,359,500 | 2,663 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2008% | 991 |
| Cost of funding earning assets | 0.3201% | 2,195 |
| Net interest margin | 3.8807% | 867 |
| Noninterest income to average assets | 0.8028% | 1,435 |
| Noninterest expense to average assets | 3.0842% | 862 |
| Loan and lease loss provision to assets | 0.1335% | 913 |
| Net operating income to assets | 1.1949% | 1,940 |
| Return on assets (ROA) | 1.1949% | 2,000 |
| Pretax return on assets | 1.2475% | 2,528 |
| Return on Equity (ROE) | 7.9081% | 3,247 |
| Retained earnings to average equity (ytd only) | 4.0664% | 3,199 |
| Net charge-offs to loans | 0.2652% | 336 |
| Credit loss provision to net charge-offs | 89.7436% | 1,883 |
| Earnings coverage of net charge-offs (x) | 9.2846% | 2,265 |
| Efficiency ratio | 69.0724% | 1,851 |
| Assets per employee ($millions) | 4.1160% | 4,377 |
| Cash dividends to net income (ytd only)* | 48.5796% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2147% | 439 |
| Loan loss allowance to noncurrent loans | 103.5309% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1856% | 419 |
| Noncurrent loans to loans | 2.1392% | 348 |
| Net loans and leases to total assets | 54.1958% | 2,826 |
| Net loans and leases to deposits | 63.5932% | 2,723 |
| Net loans and leases to core deposits | 68.2365% | 2,629 |
| Total domestic deposits to total assets | 85.2226% | 3,203 |
| Equity capital to assets | 14.5188% | 573 |
| Core capital (leverage) ratio | 14.4893% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,205,000 | 2,649 |
| Average earning assets | $247,453,600 | 2,632 |
| Average equity | $39,617,800 | 2,094 |
| Average total loans | $147,069,400 | 2,656 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 785 |
| Cost of funding earning assets | 0.3437% | 2,178 |
| Net interest margin | 4.0753% | 683 |
| Noninterest income to average assets | 0.7866% | 1,569 |
| Noninterest expense to average assets | 2.7870% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7663% | 722 |
| Return on assets (ROA) | 1.7663% | 752 |
| Pretax return on assets | 1.8476% | 1,050 |
| Return on Equity (ROE) | 11.5743% | 2,186 |
| Retained earnings to average equity (ytd only) | 8.1516% | 2,008 |
| Net charge-offs to loans | -0.0418% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1345% | 2,967 |
| Assets per employee ($millions) | 4.5935% | 4,053 |
| Cash dividends to net income (ytd only)* | 29.5718% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 437 |
| Loan loss allowance to noncurrent loans | 87.3510% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 351 |
| Noncurrent loans to loans | 2.5480% | 289 |
| Net loans and leases to total assets | 55.5666% | 2,779 |
| Net loans and leases to deposits | 65.7676% | 2,653 |
| Net loans and leases to core deposits | 70.4444% | 2,556 |
| Total domestic deposits to total assets | 84.4892% | 3,302 |
| Equity capital to assets | 15.1846% | 515 |
| Core capital (leverage) ratio | 14.6261% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,870,500 | 2,686 |
| Average earning assets | $246,324,000 | 2,662 |
| Average equity | $39,811,250 | 2,115 |
| Average total loans | $146,766,500 | 2,703 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 454 |
| Cost of funding earning assets | 0.3788% | 2,059 |
| Net interest margin | 4.4408% | 393 |
| Noninterest income to average assets | 0.7845% | 1,577 |
| Noninterest expense to average assets | 2.8206% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0693% | 431 |
| Return on assets (ROA) | 2.0693% | 453 |
| Pretax return on assets | 2.1643% | 616 |
| Return on Equity (ROE) | 13.5365% | 1,552 |
| Retained earnings to average equity (ytd only) | 10.8999% | 1,148 |
| Net charge-offs to loans | -0.0551% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5830% | 3,462 |
| Assets per employee ($millions) | 4.4584% | 4,131 |
| Cash dividends to net income (ytd only)* | 19.4776% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2643% | 390 |
| Loan loss allowance to noncurrent loans | 137.8533% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 811 |
| Noncurrent loans to loans | 1.6426% | 656 |
| Net loans and leases to total assets | 56.1679% | 2,880 |
| Net loans and leases to deposits | 66.7601% | 2,751 |
| Net loans and leases to core deposits | 71.7736% | 2,623 |
| Total domestic deposits to total assets | 84.1339% | 3,386 |
| Equity capital to assets | 15.5714% | 461 |
| Core capital (leverage) ratio | 14.9280% | 482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,020,333 | 2,694 |
| Average earning assets | $244,998,667 | 2,661 |
| Average equity | $39,596,667 | 2,112 |
| Average total loans | $145,218,333 | 2,733 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 231 |
| Cost of funding earning assets | 0.4127% | 1,993 |
| Net interest margin | 4.8877% | 215 |
| Noninterest income to average assets | 0.7808% | 1,634 |
| Noninterest expense to average assets | 2.5876% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6925% | 202 |
| Return on assets (ROA) | 2.6925% | 226 |
| Pretax return on assets | 2.8160% | 298 |
| Return on Equity (ROE) | 17.7780% | 751 |
| Retained earnings to average equity (ytd only) | 15.0069% | 622 |
| Net charge-offs to loans | -0.1003% | 4,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8869% | 4,346 |
| Assets per employee ($millions) | 5.0739% | 3,561 |
| Cash dividends to net income (ytd only)* | 15.5874% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3224% | 352 |
| Loan loss allowance to noncurrent loans | 116.8289% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0900% | 733 |
| Noncurrent loans to loans | 1.9878% | 548 |
| Net loans and leases to total assets | 53.5616% | 3,283 |
| Net loans and leases to deposits | 63.2464% | 3,196 |
| Net loans and leases to core deposits | 67.6138% | 3,093 |
| Total domestic deposits to total assets | 84.6872% | 3,225 |
| Equity capital to assets | 15.0437% | 488 |
| Core capital (leverage) ratio | 14.5160% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,236,000 | 2,679 |
| Average earning assets | $245,187,500 | 2,648 |
| Average equity | $39,262,000 | 2,115 |
| Average total loans | $143,523,000 | 2,750 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6458% | 1,002 |
| Cost of funding earning assets | 0.6344% | 2,092 |
| Net interest margin | 4.0113% | 949 |
| Noninterest income to average assets | 1.5124% | 532 |
| Noninterest expense to average assets | 3.4332% | 754 |
| Loan and lease loss provision to assets | 0.2091% | 1,882 |
| Net operating income to assets | 1.6014% | 637 |
| Return on assets (ROA) | 1.6014% | 691 |
| Pretax return on assets | 1.6319% | 1,000 |
| Return on Equity (ROE) | 10.3191% | 1,878 |
| Retained earnings to average equity (ytd only) | 6.5983% | 1,546 |
| Net charge-offs to loans | 0.1801% | 932 |
| Credit loss provision to net charge-offs | 181.1594% | 2,257 |
| Earnings coverage of net charge-offs (x) | 15.9529% | 2,151 |
| Efficiency ratio | 65.0943% | 2,660 |
| Assets per employee ($millions) | 4.3157% | 4,101 |
| Cash dividends to net income (ytd only)* | 36.0574% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3348% | 329 |
| Loan loss allowance to noncurrent loans | 122.8381% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 853 |
| Noncurrent loans to loans | 1.9007% | 628 |
| Net loans and leases to total assets | 54.6063% | 3,432 |
| Net loans and leases to deposits | 64.7016% | 3,388 |
| Net loans and leases to core deposits | 69.3056% | 3,309 |
| Total domestic deposits to total assets | 84.3972% | 2,985 |
| Equity capital to assets | 15.2505% | 532 |
| Core capital (leverage) ratio | 14.3599% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,162,600 | 2,665 |
| Average earning assets | $224,289,000 | 2,638 |
| Average equity | $37,115,800 | 2,123 |
| Average total loans | $153,227,200 | 2,634 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 746 |
| Cost of funding earning assets | 0.6884% | 2,098 |
| Net interest margin | 4.2009% | 732 |
| Noninterest income to average assets | 1.6812% | 414 |
| Noninterest expense to average assets | 3.2628% | 965 |
| Loan and lease loss provision to assets | 0.2265% | 1,792 |
| Net operating income to assets | 2.0564% | 263 |
| Return on assets (ROA) | 2.0564% | 287 |
| Pretax return on assets | 2.1232% | 394 |
| Return on Equity (ROE) | 13.1888% | 1,056 |
| Retained earnings to average equity (ytd only) | 11.1681% | 541 |
| Net charge-offs to loans | 0.2488% | 616 |
| Credit loss provision to net charge-offs | 137.4570% | 2,403 |
| Earnings coverage of net charge-offs (x) | 14.2509% | 2,165 |
| Efficiency ratio | 58.1323% | 3,647 |
| Assets per employee ($millions) | 4.0264% | 4,289 |
| Cash dividends to net income (ytd only)* | 15.3210% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0327% | 463 |
| Loan loss allowance to noncurrent loans | 110.4267% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 813 |
| Noncurrent loans to loans | 1.8408% | 705 |
| Net loans and leases to total assets | 62.9678% | 2,892 |
| Net loans and leases to deposits | 77.1830% | 2,630 |
| Net loans and leases to core deposits | 83.2976% | 2,548 |
| Total domestic deposits to total assets | 81.5824% | 3,525 |
| Equity capital to assets | 16.0671% | 462 |
| Core capital (leverage) ratio | 14.9228% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,296,250 | 2,671 |
| Average earning assets | $220,203,250 | 2,654 |
| Average equity | $36,686,750 | 2,130 |
| Average total loans | $155,942,250 | 2,611 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 593 |
| Cost of funding earning assets | 0.7430% | 2,161 |
| Net interest margin | 4.4366% | 569 |
| Noninterest income to average assets | 0.7505% | 1,577 |
| Noninterest expense to average assets | 3.2382% | 1,093 |
| Loan and lease loss provision to assets | 0.2588% | 1,633 |
| Net operating income to assets | 1.3750% | 1,163 |
| Return on assets (ROA) | 1.3750% | 1,260 |
| Pretax return on assets | 1.3948% | 1,739 |
| Return on Equity (ROE) | 8.9147% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.8118% | 1,734 |
| Net charge-offs to loans | 0.2370% | 665 |
| Credit loss provision to net charge-offs | 163.0435% | 2,067 |
| Earnings coverage of net charge-offs (x) | 10.4185% | 2,153 |
| Efficiency ratio | 66.1964% | 2,489 |
| Assets per employee ($millions) | 4.0843% | 4,218 |
| Cash dividends to net income (ytd only)* | 23.5885% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 450 |
| Loan loss allowance to noncurrent loans | 248.1481% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 408 |
| Noncurrent loans to loans | 0.7974% | 1,900 |
| Net loans and leases to total assets | 63.9409% | 2,888 |
| Net loans and leases to deposits | 78.4651% | 2,605 |
| Net loans and leases to core deposits | 84.4137% | 2,577 |
| Total domestic deposits to total assets | 81.4896% | 3,501 |
| Equity capital to assets | 15.0618% | 608 |
| Core capital (leverage) ratio | 14.6094% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,857,333 | 2,667 |
| Average earning assets | $216,425,333 | 2,661 |
| Average equity | $35,761,333 | 2,173 |
| Average total loans | $155,301,000 | 2,611 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 1,016 |
| Cost of funding earning assets | 0.8479% | 2,124 |
| Net interest margin | 4.1263% | 1,083 |
| Noninterest income to average assets | 0.8171% | 1,264 |
| Noninterest expense to average assets | 3.2202% | 1,385 |
| Loan and lease loss provision to assets | 0.1792% | 1,661 |
| Net operating income to assets | 1.2114% | 1,478 |
| Return on assets (ROA) | 1.2114% | 1,591 |
| Pretax return on assets | 1.2723% | 1,958 |
| Return on Equity (ROE) | 7.7524% | 2,617 |
| Retained earnings to average equity (ytd only) | 5.4932% | 2,074 |
| Net charge-offs to loans | 0.0606% | 1,404 |
| Credit loss provision to net charge-offs | 434.7826% | 955 |
| Earnings coverage of net charge-offs (x) | 35.2174% | 1,088 |
| Efficiency ratio | 68.9298% | 2,515 |
| Assets per employee ($millions) | 3.6520% | 4,331 |
| Cash dividends to net income (ytd only)* | 29.1420% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 448 |
| Loan loss allowance to noncurrent loans | 59.3277% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.4882% | 275 |
| Noncurrent loans to loans | 3.5037% | 269 |
| Net loans and leases to total assets | 67.1820% | 2,678 |
| Net loans and leases to deposits | 81.9464% | 2,461 |
| Net loans and leases to core deposits | 88.6319% | 2,474 |
| Total domestic deposits to total assets | 81.9828% | 3,425 |
| Equity capital to assets | 15.5173% | 667 |
| Core capital (leverage) ratio | 15.3906% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,215,500 | 2,690 |
| Average earning assets | $208,516,500 | 2,676 |
| Average equity | $34,879,500 | 2,208 |
| Average total loans | $151,692,000 | 2,622 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 1,258 |
| Cost of funding earning assets | 0.9074% | 2,163 |
| Net interest margin | 4.1733% | 1,366 |
| Noninterest income to average assets | 0.9178% | 1,148 |
| Noninterest expense to average assets | 3.5670% | 880 |
| Loan and lease loss provision to assets | 0.1149% | 1,838 |
| Net operating income to assets | 1.0843% | 2,506 |
| Return on assets (ROA) | 1.0843% | 2,599 |
| Pretax return on assets | 1.1280% | 3,086 |
| Return on Equity (ROE) | 6.9518% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.3237% | 2,801 |
| Net charge-offs to loans | 0.2207% | 926 |
| Credit loss provision to net charge-offs | 76.1329% | 2,840 |
| Earnings coverage of net charge-offs (x) | 8.2356% | 2,791 |
| Efficiency ratio | 74.1587% | 1,586 |
| Assets per employee ($millions) | 3.7277% | 4,234 |
| Cash dividends to net income (ytd only)* | 37.8049% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0592% | 417 |
| Loan loss allowance to noncurrent loans | 75.5545% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9284% | 419 |
| Noncurrent loans to loans | 2.7254% | 380 |
| Net loans and leases to total assets | 65.9237% | 2,963 |
| Net loans and leases to deposits | 79.9615% | 2,783 |
| Net loans and leases to core deposits | 86.0912% | 2,786 |
| Total domestic deposits to total assets | 82.4443% | 3,383 |
| Equity capital to assets | 15.7342% | 653 |
| Core capital (leverage) ratio | 15.6133% | 572 |
| Tier 1 risk-based capital ratio | 19.7764% | 1,356 |
| Total risk-based capital ratio | 21.0328% | 1,325 |
| Memoranda: | ||
| Average total assets | $219,317,400 | 2,666 |
| Average earning assets | $204,536,200 | 2,661 |
| Average equity | $34,207,000 | 2,178 |
| Average total loans | $149,981,000 | 2,620 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0909% | 1,304 |
| Cost of funding earning assets | 0.9116% | 2,176 |
| Net interest margin | 4.1793% | 1,417 |
| Noninterest income to average assets | 0.9189% | 1,102 |
| Noninterest expense to average assets | 3.4073% | 1,077 |
| Loan and lease loss provision to assets | 0.0929% | 2,054 |
| Net operating income to assets | 1.2616% | 1,980 |
| Return on assets (ROA) | 1.2616% | 2,059 |
| Pretax return on assets | 1.3178% | 2,608 |
| Return on Equity (ROE) | 8.1071% | 3,259 |
| Retained earnings to average equity (ytd only) | 5.9518% | 2,395 |
| Net charge-offs to loans | 0.2589% | 680 |
| Credit loss provision to net charge-offs | 52.2337% | 2,771 |
| Earnings coverage of net charge-offs (x) | 7.9347% | 2,702 |
| Efficiency ratio | 70.7203% | 2,017 |
| Assets per employee ($millions) | 3.6045% | 4,385 |
| Cash dividends to net income (ytd only)* | 26.5859% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 490 |
| Loan loss allowance to noncurrent loans | 60.9096% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 2.3748% | 311 |
| Noncurrent loans to loans | 3.2428% | 272 |
| Net loans and leases to total assets | 69.7589% | 2,504 |
| Net loans and leases to deposits | 87.8136% | 1,956 |
| Net loans and leases to core deposits | 95.1609% | 2,072 |
| Total domestic deposits to total assets | 79.4398% | 4,096 |
| Equity capital to assets | 16.3137% | 584 |
| Core capital (leverage) ratio | 15.5343% | 635 |
| Tier 1 risk-based capital ratio | 19.8153% | 1,396 |
| Total risk-based capital ratio | 21.0711% | 1,358 |
| Memoranda: | ||
| Average total assets | $218,231,750 | 2,702 |
| Average earning assets | $203,599,250 | 2,692 |
| Average equity | $33,961,000 | 2,209 |
| Average total loans | $149,840,000 | 2,648 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 1,538 |
| Cost of funding earning assets | 0.8877% | 2,210 |
| Net interest margin | 4.0909% | 1,636 |
| Noninterest income to average assets | 0.9219% | 1,033 |
| Noninterest expense to average assets | 3.2730% | 1,337 |
| Loan and lease loss provision to assets | 0.0923% | 2,003 |
| Net operating income to assets | 1.3176% | 1,709 |
| Return on assets (ROA) | 1.3176% | 1,768 |
| Pretax return on assets | 1.3761% | 2,283 |
| Return on Equity (ROE) | 8.6036% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.4199% | 2,094 |
| Net charge-offs to loans | 0.2344% | 721 |
| Credit loss provision to net charge-offs | 58.0460% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.2356% | 2,345 |
| Efficiency ratio | 69.0306% | 2,373 |
| Assets per employee ($millions) | 3.6544% | 4,308 |
| Cash dividends to net income (ytd only)* | 25.3814% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 438 |
| Loan loss allowance to noncurrent loans | 57.1481% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.4381% | 310 |
| Noncurrent loans to loans | 3.5709% | 229 |
| Net loans and leases to total assets | 66.8833% | 2,989 |
| Net loans and leases to deposits | 82.8828% | 2,633 |
| Net loans and leases to core deposits | 89.4612% | 2,641 |
| Total domestic deposits to total assets | 80.6963% | 3,894 |
| Equity capital to assets | 15.5261% | 705 |
| Core capital (leverage) ratio | 15.2633% | 658 |
| Tier 1 risk-based capital ratio | 19.4821% | 1,441 |
| Total risk-based capital ratio | 20.7386% | 1,412 |
| Memoranda: | ||
| Average total assets | $218,885,000 | 2,700 |
| Average earning assets | $204,356,330 | 2,692 |
| Average equity | $33,520,670 | 2,223 |
| Average total loans | $148,483,670 | 2,673 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 1,356 |
| Cost of funding earning assets | 0.8374% | 2,338 |
| Net interest margin | 4.1535% | 1,423 |
| Noninterest income to average assets | 0.9038% | 1,033 |
| Noninterest expense to average assets | 3.3698% | 1,163 |
| Loan and lease loss provision to assets | 0.0922% | 1,877 |
| Net operating income to assets | 1.2524% | 1,878 |
| Return on assets (ROA) | 1.2524% | 1,925 |
| Pretax return on assets | 1.3114% | 2,410 |
| Return on Equity (ROE) | 8.2364% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.2364% | 1,581 |
| Net charge-offs to loans | 0.1037% | 1,122 |
| Credit loss provision to net charge-offs | 131.5789% | 1,344 |
| Earnings coverage of net charge-offs (x) | 20.0263% | 1,573 |
| Efficiency ratio | 70.5951% | 2,253 |
| Assets per employee ($millions) | 3.5889% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1672% | 374 |
| Loan loss allowance to noncurrent loans | 72.1556% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.9869% | 500 |
| Noncurrent loans to loans | 3.0035% | 361 |
| Net loans and leases to total assets | 64.7180% | 3,204 |
| Net loans and leases to deposits | 79.4071% | 2,903 |
| Net loans and leases to core deposits | 85.5247% | 2,910 |
| Total domestic deposits to total assets | 81.5015% | 3,854 |
| Equity capital to assets | 15.1189% | 733 |
| Core capital (leverage) ratio | 15.3558% | 624 |
| Tier 1 risk-based capital ratio | 19.7209% | 1,395 |
| Total risk-based capital ratio | 20.9784% | 1,369 |
| Memoranda: | ||
| Average total assets | $216,867,000 | 2,744 |
| Average earning assets | $202,044,500 | 2,744 |
| Average equity | $32,975,500 | 2,254 |
| Average total loans | $146,624,000 | 2,726 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 1,185 |
| Cost of funding earning assets | 0.5384% | 3,125 |
| Net interest margin | 4.4010% | 938 |
| Noninterest income to average assets | 0.9572% | 1,044 |
| Noninterest expense to average assets | 3.4793% | 1,020 |
| Loan and lease loss provision to assets | 0.1912% | 998 |
| Net operating income to assets | 1.3244% | 1,699 |
| Return on assets (ROA) | 1.3244% | 1,696 |
| Pretax return on assets | 1.3789% | 2,210 |
| Return on Equity (ROE) | 8.7658% | 3,114 |
| Retained earnings to average equity (ytd only) | 5.3386% | 2,571 |
| Net charge-offs to loans | 0.0512% | 2,423 |
| Credit loss provision to net charge-offs | 540.5405% | 648 |
| Earnings coverage of net charge-offs (x) | 44.3784% | 1,220 |
| Efficiency ratio | 68.9045% | 2,406 |
| Assets per employee ($millions) | 3.7057% | 4,309 |
| Cash dividends to net income (ytd only)* | 39.0975% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1766% | 344 |
| Loan loss allowance to noncurrent loans | 51.2659% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.9410% | 220 |
| Noncurrent loans to loans | 4.2457% | 167 |
| Net loans and leases to total assets | 67.6415% | 2,928 |
| Net loans and leases to deposits | 82.6565% | 2,657 |
| Net loans and leases to core deposits | 88.4620% | 2,715 |
| Total domestic deposits to total assets | 81.8345% | 3,687 |
| Equity capital to assets | 15.2966% | 646 |
| Core capital (leverage) ratio | 15.7826% | 554 |
| Tier 1 risk-based capital ratio | 18.7421% | 1,560 |
| Total risk-based capital ratio | 19.9991% | 1,524 |
| Memoranda: | ||
| Average total assets | $209,153,800 | 2,775 |
| Average earning assets | $194,479,400 | 2,773 |
| Average equity | $31,600,000 | 2,244 |
| Average total loans | $144,492,000 | 2,720 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8912% | 1,180 |
| Cost of funding earning assets | 0.4766% | 3,352 |
| Net interest margin | 4.4146% | 873 |
| Noninterest income to average assets | 0.9049% | 1,186 |
| Noninterest expense to average assets | 3.3276% | 1,246 |
| Loan and lease loss provision to assets | 0.1917% | 925 |
| Net operating income to assets | 1.4289% | 1,392 |
| Return on assets (ROA) | 1.4289% | 1,388 |
| Pretax return on assets | 1.4935% | 1,919 |
| Return on Equity (ROE) | 9.4877% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.0139% | 2,121 |
| Net charge-offs to loans | 0.0463% | 2,171 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 52.7360% | 1,139 |
| Efficiency ratio | 66.3819% | 2,800 |
| Assets per employee ($millions) | 3.5588% | 4,482 |
| Cash dividends to net income (ytd only)* | 26.0732% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 419 |
| Loan loss allowance to noncurrent loans | 64.9090% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.2760% | 421 |
| Noncurrent loans to loans | 3.2110% | 324 |
| Net loans and leases to total assets | 69.4061% | 2,739 |
| Net loans and leases to deposits | 89.9947% | 1,896 |
| Net loans and leases to core deposits | 95.5213% | 2,159 |
| Total domestic deposits to total assets | 77.1224% | 4,626 |
| Equity capital to assets | 15.1650% | 683 |
| Core capital (leverage) ratio | 15.5249% | 593 |
| Tier 1 risk-based capital ratio | 19.6206% | 1,415 |
| Total risk-based capital ratio | 20.8779% | 1,377 |
| Memoranda: | ||
| Average total assets | $208,636,250 | 2,803 |
| Average earning assets | $194,140,250 | 2,792 |
| Average equity | $31,422,500 | 2,258 |
| Average total loans | $144,101,500 | 2,740 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 1,379 |
| Cost of funding earning assets | 0.4235% | 3,546 |
| Net interest margin | 4.3280% | 981 |
| Noninterest income to average assets | 0.9030% | 1,172 |
| Noninterest expense to average assets | 3.3565% | 1,207 |
| Loan and lease loss provision to assets | 0.1921% | 900 |
| Net operating income to assets | 1.3295% | 1,662 |
| Return on assets (ROA) | 1.3295% | 1,667 |
| Pretax return on assets | 1.3891% | 2,189 |
| Return on Equity (ROE) | 8.8483% | 3,095 |
| Retained earnings to average equity (ytd only) | 6.4828% | 2,319 |
| Net charge-offs to loans | 0.0575% | 1,780 |
| Credit loss provision to net charge-offs | 487.8049% | 724 |
| Earnings coverage of net charge-offs (x) | 40.1463% | 1,295 |
| Efficiency ratio | 67.9767% | 2,649 |
| Assets per employee ($millions) | 3.6083% | 4,462 |
| Cash dividends to net income (ytd only)* | 26.7341% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 512 |
| Loan loss allowance to noncurrent loans | 50.6900% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 2.7911% | 285 |
| Noncurrent loans to loans | 3.9608% | 225 |
| Net loans and leases to total assets | 69.0524% | 2,713 |
| Net loans and leases to deposits | 85.5697% | 2,367 |
| Net loans and leases to core deposits | 90.2348% | 2,550 |
| Total domestic deposits to total assets | 80.6973% | 4,075 |
| Equity capital to assets | 14.7826% | 737 |
| Core capital (leverage) ratio | 15.3895% | 594 |
| Tier 1 risk-based capital ratio | 18.8894% | 1,579 |
| Total risk-based capital ratio | 20.1458% | 1,538 |
| Memoranda: | ||
| Average total assets | $208,191,670 | 2,827 |
| Average earning assets | $194,084,000 | 2,811 |
| Average equity | $31,282,670 | 2,272 |
| Average total loans | $142,524,000 | 2,769 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 1,165 |
| Cost of funding earning assets | 0.4162% | 3,470 |
| Net interest margin | 4.3437% | 871 |
| Noninterest income to average assets | 0.9114% | 1,122 |
| Noninterest expense to average assets | 3.5250% | 957 |
| Loan and lease loss provision to assets | 0.1943% | 860 |
| Net operating income to assets | 1.1659% | 2,152 |
| Return on assets (ROA) | 1.1659% | 2,165 |
| Pretax return on assets | 1.2281% | 2,649 |
| Return on Equity (ROE) | 7.6951% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.6951% | 1,960 |
| Net charge-offs to loans | 0.0115% | 2,331 |
| Credit loss provision to net charge-offs | 2,500.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 359 |
| Efficiency ratio | 71.2490% | 2,307 |
| Assets per employee ($millions) | 3.5788% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 434 |
| Loan loss allowance to noncurrent loans | 66.2101% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.3052% | 436 |
| Noncurrent loans to loans | 3.2213% | 348 |
| Net loans and leases to total assets | 65.1917% | 3,150 |
| Net loans and leases to deposits | 79.7796% | 2,835 |
| Net loans and leases to core deposits | 84.5812% | 2,923 |
| Total domestic deposits to total assets | 81.7147% | 4,040 |
| Equity capital to assets | 15.0358% | 666 |
| Core capital (leverage) ratio | 15.1626% | 622 |
| Tier 1 risk-based capital ratio | 19.9910% | 1,348 |
| Total risk-based capital ratio | 21.2491% | 1,316 |
| Memoranda: | ||
| Average total assets | $205,841,500 | 2,880 |
| Average earning assets | $191,267,500 | 2,868 |
| Average equity | $31,188,500 | 2,288 |
| Average total loans | $138,776,500 | 2,830 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,759 |
| Cost of funding earning assets | 0.3729% | 3,487 |
| Net interest margin | 4.1131% | 1,392 |
| Noninterest income to average assets | 0.8283% | 1,473 |
| Noninterest expense to average assets | 3.5584% | 950 |
| Loan and lease loss provision to assets | 0.2599% | 709 |
| Net operating income to assets | 0.8327% | 3,020 |
| Return on assets (ROA) | 0.8327% | 3,055 |
| Pretax return on assets | 0.8269% | 4,178 |
| Return on Equity (ROE) | 5.5792% | 3,932 |
| Retained earnings to average equity (ytd only) | 3.5120% | 3,176 |
| Net charge-offs to loans | 0.1466% | 1,619 |
| Credit loss provision to net charge-offs | 268.6567% | 1,040 |
| Earnings coverage of net charge-offs (x) | 11.2338% | 2,590 |
| Efficiency ratio | 76.6035% | 1,537 |
| Assets per employee ($millions) | 3.4595% | 4,755 |
| Cash dividends to net income (ytd only)* | 37.0520% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 489 |
| Loan loss allowance to noncurrent loans | 62.0487% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.4442% | 390 |
| Noncurrent loans to loans | 3.3011% | 314 |
| Net loans and leases to total assets | 66.8417% | 2,989 |
| Net loans and leases to deposits | 82.3681% | 2,685 |
| Net loans and leases to core deposits | 87.2021% | 2,801 |
| Total domestic deposits to total assets | 81.1501% | 4,082 |
| Equity capital to assets | 15.2696% | 631 |
| Core capital (leverage) ratio | 15.3026% | 569 |
| Tier 1 risk-based capital ratio | 19.6161% | 1,396 |
| Total risk-based capital ratio | 20.8732% | 1,367 |
| Memoranda: | ||
| Average total assets | $207,764,600 | 2,845 |
| Average earning assets | $192,797,200 | 2,835 |
| Average equity | $31,007,800 | 2,292 |
| Average total loans | $137,083,000 | 2,821 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 1,585 |
| Cost of funding earning assets | 0.3574% | 3,592 |
| Net interest margin | 4.1631% | 1,244 |
| Noninterest income to average assets | 0.8389% | 1,450 |
| Noninterest expense to average assets | 3.4770% | 1,031 |
| Loan and lease loss provision to assets | 0.2811% | 577 |
| Net operating income to assets | 0.9124% | 2,959 |
| Return on assets (ROA) | 0.9124% | 3,021 |
| Pretax return on assets | 0.9507% | 3,865 |
| Return on Equity (ROE) | 6.1481% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.5175% | 3,817 |
| Net charge-offs to loans | 0.1758% | 1,198 |
| Credit loss provision to net charge-offs | 244.4444% | 1,153 |
| Earnings coverage of net charge-offs (x) | 10.7113% | 2,566 |
| Efficiency ratio | 73.8399% | 1,920 |
| Assets per employee ($millions) | 3.4175% | 4,842 |
| Cash dividends to net income (ytd only)* | 42.7874% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 659 |
| Loan loss allowance to noncurrent loans | 62.9596% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.4760% | 436 |
| Noncurrent loans to loans | 3.0682% | 400 |
| Net loans and leases to total assets | 68.6785% | 2,745 |
| Net loans and leases to deposits | 88.8414% | 1,947 |
| Net loans and leases to core deposits | 94.8362% | 2,187 |
| Total domestic deposits to total assets | 77.3047% | 4,830 |
| Equity capital to assets | 15.2825% | 678 |
| Core capital (leverage) ratio | 14.8774% | 684 |
| Tier 1 risk-based capital ratio | 19.1466% | 1,545 |
| Total risk-based capital ratio | 20.4024% | 1,510 |
| Memoranda: | ||
| Average total assets | $208,677,750 | 2,856 |
| Average earning assets | $193,984,750 | 2,848 |
| Average equity | $30,968,000 | 2,307 |
| Average total loans | $136,532,500 | 2,846 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 1,639 |
| Cost of funding earning assets | 0.3424% | 3,659 |
| Net interest margin | 4.1142% | 1,288 |
| Noninterest income to average assets | 0.8195% | 1,500 |
| Noninterest expense to average assets | 3.2379% | 1,499 |
| Loan and lease loss provision to assets | 0.1906% | 978 |
| Net operating income to assets | 1.1616% | 1,729 |
| Return on assets (ROA) | 1.1616% | 1,768 |
| Pretax return on assets | 1.2149% | 2,723 |
| Return on Equity (ROE) | 7.9040% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.2715% | 2,535 |
| Net charge-offs to loans | 0.0790% | 1,834 |
| Credit loss provision to net charge-offs | 377.3585% | 821 |
| Earnings coverage of net charge-offs (x) | 27.8302% | 1,528 |
| Efficiency ratio | 69.7312% | 2,717 |
| Assets per employee ($millions) | 3.4482% | 4,799 |
| Cash dividends to net income (ytd only)* | 33.3060% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 727 |
| Loan loss allowance to noncurrent loans | 44.7284% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 3.2357% | 270 |
| Noncurrent loans to loans | 4.2386% | 209 |
| Net loans and leases to total assets | 65.4393% | 3,188 |
| Net loans and leases to deposits | 80.5794% | 2,850 |
| Net loans and leases to core deposits | 85.1748% | 2,956 |
| Total domestic deposits to total assets | 81.2109% | 4,126 |
| Equity capital to assets | 14.9434% | 713 |
| Core capital (leverage) ratio | 14.8239% | 674 |
| Tier 1 risk-based capital ratio | 19.4687% | 1,483 |
| Total risk-based capital ratio | 20.7243% | 1,434 |
| Memoranda: | ||
| Average total assets | $209,886,670 | 2,866 |
| Average earning assets | $195,078,330 | 2,854 |
| Average equity | $30,845,000 | 2,306 |
| Average total loans | $134,176,670 | 2,884 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 1,644 |
| Cost of funding earning assets | 0.3453% | 3,584 |
| Net interest margin | 4.0556% | 1,334 |
| Noninterest income to average assets | 0.8242% | 1,473 |
| Noninterest expense to average assets | 3.1670% | 1,698 |
| Loan and lease loss provision to assets | 0.1908% | 875 |
| Net operating income to assets | 1.1810% | 1,549 |
| Return on assets (ROA) | 1.1810% | 1,593 |
| Pretax return on assets | 1.2306% | 2,473 |
| Return on Equity (ROE) | 8.1043% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.1043% | 1,415 |
| Net charge-offs to loans | 0.1647% | 986 |
| Credit loss provision to net charge-offs | 185.1852% | 1,070 |
| Earnings coverage of net charge-offs (x) | 13.7963% | 1,760 |
| Efficiency ratio | 69.0229% | 3,043 |
| Assets per employee ($millions) | 3.5574% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9630% | 720 |
| Loan loss allowance to noncurrent loans | 58.8100% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 2.4833% | 465 |
| Noncurrent loans to loans | 3.3379% | 375 |
| Net loans and leases to total assets | 60.9154% | 3,680 |
| Net loans and leases to deposits | 74.6312% | 3,343 |
| Net loans and leases to core deposits | 78.7515% | 3,416 |
| Total domestic deposits to total assets | 81.6219% | 4,270 |
| Equity capital to assets | 14.7590% | 695 |
| Core capital (leverage) ratio | 14.6961% | 668 |
| Tier 1 risk-based capital ratio | 20.4000% | 1,320 |
| Total risk-based capital ratio | 21.6553% | 1,287 |
| Memoranda: | ||
| Average total assets | $209,660,000 | 2,890 |
| Average earning assets | $194,597,000 | 2,882 |
| Average equity | $30,551,500 | 2,334 |
| Average total loans | $131,112,500 | 2,943 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3231% | 2,067 |
| Cost of funding earning assets | 0.3362% | 3,678 |
| Net interest margin | 3.9868% | 1,667 |
| Noninterest income to average assets | 0.7594% | 1,921 |
| Noninterest expense to average assets | 3.1800% | 1,842 |
| Loan and lease loss provision to assets | 0.1960% | 1,188 |
| Net operating income to assets | 1.0301% | 2,228 |
| Return on assets (ROA) | 1.0489% | 2,248 |
| Pretax return on assets | 1.0974% | 3,113 |
| Return on Equity (ROE) | 6.9653% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.0874% | 3,705 |
| Net charge-offs to loans | 0.1555% | 1,714 |
| Credit loss provision to net charge-offs | 200.0000% | 1,410 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,403 |
| Efficiency ratio | 71.4003% | 2,682 |
| Assets per employee ($millions) | 3.6109% | 4,596 |
| Cash dividends to net income (ytd only)* | 55.6749% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9073% | 792 |
| Loan loss allowance to noncurrent loans | 285.3575% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8308% | 2,266 |
| Noncurrent loans to loans | 0.6684% | 2,858 |
| Net loans and leases to total assets | 61.7369% | 3,644 |
| Net loans and leases to deposits | 76.0192% | 3,311 |
| Net loans and leases to core deposits | 79.5005% | 3,440 |
| Total domestic deposits to total assets | 81.2122% | 4,284 |
| Equity capital to assets | 14.3845% | 770 |
| Core capital (leverage) ratio | 14.6296% | 664 |
| Tier 1 risk-based capital ratio | 19.8768% | 1,400 |
| Total risk-based capital ratio | 21.1318% | 1,365 |
| Memoranda: | ||
| Average total assets | $204,119,400 | 2,911 |
| Average earning assets | $189,147,400 | 2,902 |
| Average equity | $30,738,200 | 2,308 |
| Average total loans | $128,644,200 | 2,940 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,023 |
| Cost of funding earning assets | 0.3358% | 3,702 |
| Net interest margin | 4.0071% | 1,630 |
| Noninterest income to average assets | 0.7745% | 1,868 |
| Noninterest expense to average assets | 3.0961% | 2,035 |
| Loan and lease loss provision to assets | 0.1315% | 1,783 |
| Net operating income to assets | 1.2108% | 1,608 |
| Return on assets (ROA) | 1.2361% | 1,599 |
| Pretax return on assets | 1.2926% | 2,455 |
| Return on Equity (ROE) | 8.1143% | 2,951 |
| Retained earnings to average equity (ytd only) | 4.8254% | 2,941 |
| Net charge-offs to loans | 0.0063% | 3,691 |
| Credit loss provision to net charge-offs | 3,333.3333% | 157 |
| Earnings coverage of net charge-offs (x) | 354.3250% | 247 |
| Efficiency ratio | 68.8954% | 3,061 |
| Assets per employee ($millions) | 3.4086% | 4,901 |
| Cash dividends to net income (ytd only)* | 40.5318% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 804 |
| Loan loss allowance to noncurrent loans | 236.8272% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 2,127 |
| Noncurrent loans to loans | 0.8166% | 2,628 |
| Net loans and leases to total assets | 63.2357% | 3,491 |
| Net loans and leases to deposits | 79.5695% | 3,014 |
| Net loans and leases to core deposits | 83.7391% | 3,152 |
| Total domestic deposits to total assets | 79.4722% | 4,624 |
| Equity capital to assets | 15.5876% | 615 |
| Core capital (leverage) ratio | 14.9125% | 652 |
| Tier 1 risk-based capital ratio | 20.3470% | 1,382 |
| Total risk-based capital ratio | 21.6023% | 1,346 |
| Memoranda: | ||
| Average total assets | $202,790,750 | 2,937 |
| Average earning assets | $188,226,500 | 2,926 |
| Average equity | $30,891,250 | 2,308 |
| Average total loans | $127,852,250 | 2,960 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 2,243 |
| Cost of funding earning assets | 0.3232% | 3,867 |
| Net interest margin | 3.9490% | 1,813 |
| Noninterest income to average assets | 0.7681% | 1,857 |
| Noninterest expense to average assets | 2.9525% | 2,509 |
| Loan and lease loss provision to assets | 0.0984% | 2,194 |
| Net operating income to assets | 1.3234% | 1,215 |
| Return on assets (ROA) | 1.3612% | 1,210 |
| Pretax return on assets | 1.4222% | 1,941 |
| Return on Equity (ROE) | 9.0048% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.0009% | 1,597 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5927% | 3,589 |
| Assets per employee ($millions) | 3.5882% | 4,610 |
| Cash dividends to net income (ytd only)* | 22.2543% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9353% | 841 |
| Loan loss allowance to noncurrent loans | 300.9975% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8366% | 2,499 |
| Noncurrent loans to loans | 0.6430% | 3,148 |
| Net loans and leases to total assets | 59.8068% | 3,910 |
| Net loans and leases to deposits | 71.5403% | 3,825 |
| Net loans and leases to core deposits | 74.7113% | 3,932 |
| Total domestic deposits to total assets | 83.5987% | 3,424 |
| Equity capital to assets | 15.3129% | 668 |
| Core capital (leverage) ratio | 15.0305% | 608 |
| Tier 1 risk-based capital ratio | 21.4057% | 1,209 |
| Total risk-based capital ratio | 22.6613% | 1,190 |
| Memoranda: | ||
| Average total assets | $203,351,670 | 2,948 |
| Average earning assets | $188,758,670 | 2,941 |
| Average equity | $30,739,000 | 2,323 |
| Average total loans | $127,243,000 | 2,979 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,047 |
| Cost of funding earning assets | 0.3286% | 3,857 |
| Net interest margin | 3.9968% | 1,624 |
| Noninterest income to average assets | 0.7812% | 1,689 |
| Noninterest expense to average assets | 3.0479% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3880% | 1,065 |
| Return on assets (ROA) | 1.4638% | 958 |
| Pretax return on assets | 1.5308% | 1,503 |
| Return on Equity (ROE) | 9.7474% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.7474% | 910 |
| Net charge-offs to loans | -0.0498% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7335% | 3,508 |
| Assets per employee ($millions) | 3.4997% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8991% | 972 |
| Loan loss allowance to noncurrent loans | 524.7748% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 3,025 |
| Noncurrent loans to loans | 0.3619% | 4,132 |
| Net loans and leases to total assets | 60.3371% | 3,725 |
| Net loans and leases to deposits | 72.6475% | 3,583 |
| Net loans and leases to core deposits | 75.9495% | 3,687 |
| Total domestic deposits to total assets | 83.0545% | 3,871 |
| Equity capital to assets | 15.4992% | 602 |
| Core capital (leverage) ratio | 14.6348% | 676 |
| Tier 1 risk-based capital ratio | 21.6116% | 1,216 |
| Total risk-based capital ratio | 22.8674% | 1,195 |
| Memoranda: | ||
| Average total assets | $202,764,000 | 2,958 |
| Average earning assets | $188,651,000 | 2,949 |
| Average equity | $30,449,000 | 2,342 |
| Average total loans | $128,497,000 | 2,957 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 2,559 |
| Cost of funding earning assets | 0.3452% | 3,742 |
| Net interest margin | 3.8551% | 2,182 |
| Noninterest income to average assets | 0.7500% | 1,986 |
| Noninterest expense to average assets | 3.0902% | 2,270 |
| Loan and lease loss provision to assets | 0.1967% | 1,102 |
| Net operating income to assets | 1.0149% | 2,284 |
| Return on assets (ROA) | 1.0560% | 2,185 |
| Pretax return on assets | 1.1032% | 3,041 |
| Return on Equity (ROE) | 7.2057% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.0039% | 3,176 |
| Net charge-offs to loans | -0.0081% | 5,063 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0827% | 3,055 |
| Assets per employee ($millions) | 3.5525% | 4,722 |
| Cash dividends to net income (ytd only)* | 44.4341% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 1,304 |
| Loan loss allowance to noncurrent loans | 1,322.2857% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 3,481 |
| Noncurrent loans to loans | 0.1303% | 4,969 |
| Net loans and leases to total assets | 64.0577% | 3,269 |
| Net loans and leases to deposits | 77.5858% | 3,092 |
| Net loans and leases to core deposits | 80.7806% | 3,265 |
| Total domestic deposits to total assets | 82.5637% | 3,992 |
| Equity capital to assets | 14.5501% | 758 |
| Core capital (leverage) ratio | 14.4605% | 720 |
| Tier 1 risk-based capital ratio | 19.5723% | 1,572 |
| Total risk-based capital ratio | 20.8263% | 1,538 |
| Memoranda: | ||
| Average total assets | $203,320,600 | 2,913 |
| Average earning assets | $189,723,000 | 2,893 |
| Average equity | $29,795,800 | 2,332 |
| Average total loans | $123,360,800 | 3,005 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 2,798 |
| Cost of funding earning assets | 0.3511% | 3,743 |
| Net interest margin | 3.7828% | 2,451 |
| Noninterest income to average assets | 0.7731% | 1,917 |
| Noninterest expense to average assets | 3.0135% | 2,476 |
| Loan and lease loss provision to assets | 0.1645% | 1,294 |
| Net operating income to assets | 1.0853% | 2,072 |
| Return on assets (ROA) | 1.1403% | 1,930 |
| Pretax return on assets | 1.1903% | 2,854 |
| Return on Equity (ROE) | 7.7668% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.9338% | 2,289 |
| Net charge-offs to loans | 0.0287% | 3,367 |
| Credit loss provision to net charge-offs | 961.5385% | 382 |
| Earnings coverage of net charge-offs (x) | 75.8370% | 772 |
| Efficiency ratio | 69.9023% | 3,226 |
| Assets per employee ($millions) | 3.4813% | 4,823 |
| Cash dividends to net income (ytd only)* | 23.6007% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 1,576 |
| Loan loss allowance to noncurrent loans | 1,447.6190% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 3,729 |
| Noncurrent loans to loans | 0.1148% | 5,170 |
| Net loans and leases to total assets | 63.4633% | 3,381 |
| Net loans and leases to deposits | 77.2426% | 3,172 |
| Net loans and leases to core deposits | 80.8638% | 3,356 |
| Total domestic deposits to total assets | 82.1610% | 4,117 |
| Equity capital to assets | 15.2709% | 685 |
| Core capital (leverage) ratio | 14.3146% | 781 |
| Tier 1 risk-based capital ratio | 20.3877% | 1,456 |
| Total risk-based capital ratio | 21.6408% | 1,426 |
| Memoranda: | ||
| Average total assets | $202,639,000 | 2,943 |
| Average earning assets | $189,521,000 | 2,920 |
| Average equity | $29,749,750 | 2,347 |
| Average total loans | $120,625,250 | 3,062 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 3,392 |
| Cost of funding earning assets | 0.3457% | 3,861 |
| Net interest margin | 3.6292% | 2,977 |
| Noninterest income to average assets | 0.7606% | 1,946 |
| Noninterest expense to average assets | 2.9778% | 2,625 |
| Loan and lease loss provision to assets | 0.0980% | 2,185 |
| Net operating income to assets | 1.0353% | 2,201 |
| Return on assets (ROA) | 1.1115% | 1,988 |
| Pretax return on assets | 1.1596% | 2,940 |
| Return on Equity (ROE) | 7.6711% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.7838% | 2,365 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6509% | 3,044 |
| Assets per employee ($millions) | 3.6266% | 4,582 |
| Cash dividends to net income (ytd only)* | 24.6032% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 2,017 |
| Loan loss allowance to noncurrent loans | 792.0949% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 3,748 |
| Noncurrent loans to loans | 0.1981% | 4,985 |
| Net loans and leases to total assets | 60.8245% | 3,712 |
| Net loans and leases to deposits | 74.0295% | 3,487 |
| Net loans and leases to core deposits | 76.6227% | 3,705 |
| Total domestic deposits to total assets | 82.1625% | 4,244 |
| Equity capital to assets | 14.3608% | 861 |
| Core capital (leverage) ratio | 14.0691% | 822 |
| Tier 1 risk-based capital ratio | 19.7566% | 1,606 |
| Total risk-based capital ratio | 21.0080% | 1,564 |
| Memoranda: | ||
| Average total assets | $204,040,000 | 2,955 |
| Average earning assets | $190,898,000 | 2,927 |
| Average equity | $29,565,330 | 2,370 |
| Average total loans | $118,146,330 | 3,121 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,592 |
| Cost of funding earning assets | 0.3482% | 3,878 |
| Net interest margin | 3.5554% | 3,204 |
| Noninterest income to average assets | 0.7834% | 1,770 |
| Noninterest expense to average assets | 3.0271% | 2,491 |
| Loan and lease loss provision to assets | 0.0987% | 2,050 |
| Net operating income to assets | 0.9406% | 2,556 |
| Return on assets (ROA) | 1.0656% | 2,105 |
| Pretax return on assets | 1.1130% | 3,026 |
| Return on Equity (ROE) | 7.3208% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.3208% | 1,848 |
| Net charge-offs to loans | -0.0176% | 4,986 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6792% | 2,864 |
| Assets per employee ($millions) | 3.5841% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 1,647 |
| Loan loss allowance to noncurrent loans | 826.5823% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 3,808 |
| Noncurrent loans to loans | 0.2102% | 5,027 |
| Net loans and leases to total assets | 54.2288% | 4,418 |
| Net loans and leases to deposits | 64.2310% | 4,349 |
| Net loans and leases to core deposits | 66.4709% | 4,474 |
| Total domestic deposits to total assets | 84.4277% | 3,644 |
| Equity capital to assets | 14.6124% | 801 |
| Core capital (leverage) ratio | 13.8408% | 871 |
| Tier 1 risk-based capital ratio | 21.5440% | 1,315 |
| Total risk-based capital ratio | 22.7969% | 1,285 |
| Memoranda: | ||
| Average total assets | $202,702,000 | 2,980 |
| Average earning assets | $189,573,000 | 2,952 |
| Average equity | $29,505,000 | 2,388 |
| Average total loans | $113,350,500 | 3,212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 3,592 |
| Cost of funding earning assets | 0.4090% | 3,597 |
| Net interest margin | 3.6225% | 3,327 |
| Noninterest income to average assets | 0.7972% | 1,888 |
| Noninterest expense to average assets | 3.0942% | 2,533 |
| Loan and lease loss provision to assets | 0.1246% | 2,102 |
| Net operating income to assets | 0.9229% | 2,761 |
| Return on assets (ROA) | 0.9372% | 2,780 |
| Pretax return on assets | 0.9781% | 3,581 |
| Return on Equity (ROE) | 6.6964% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.5924% | 2,909 |
| Net charge-offs to loans | 0.0872% | 3,243 |
| Credit loss provision to net charge-offs | 265.9574% | 965 |
| Earnings coverage of net charge-offs (x) | 23.2234% | 1,595 |
| Efficiency ratio | 73.9902% | 2,837 |
| Assets per employee ($millions) | 3.4087% | 5,039 |
| Cash dividends to net income (ytd only)* | 31.4195% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6708% | 1,860 |
| Loan loss allowance to noncurrent loans | 806.7797% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 3,877 |
| Noncurrent loans to loans | 0.2071% | 5,075 |
| Net loans and leases to total assets | 55.7167% | 4,368 |
| Net loans and leases to deposits | 65.9081% | 4,339 |
| Net loans and leases to core deposits | 68.4310% | 4,459 |
| Total domestic deposits to total assets | 84.5370% | 3,492 |
| Equity capital to assets | 14.4984% | 811 |
| Core capital (leverage) ratio | 13.8006% | 865 |
| Tier 1 risk-based capital ratio | 18.3182% | 2,048 |
| Total risk-based capital ratio | 19.5683% | 2,008 |
| Memoranda: | ||
| Average total assets | $200,698,200 | 2,987 |
| Average earning assets | $187,523,400 | 2,944 |
| Average equity | $28,089,800 | 2,402 |
| Average total loans | $107,743,600 | 3,273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,711 |
| Cost of funding earning assets | 0.4194% | 3,583 |
| Net interest margin | 3.5922% | 3,460 |
| Noninterest income to average assets | 0.7743% | 1,994 |
| Noninterest expense to average assets | 2.9651% | 2,921 |
| Loan and lease loss provision to assets | 0.1329% | 1,883 |
| Net operating income to assets | 0.9912% | 2,491 |
| Return on assets (ROA) | 1.0103% | 2,467 |
| Pretax return on assets | 1.0548% | 3,361 |
| Return on Equity (ROE) | 7.2840% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.5589% | 2,702 |
| Net charge-offs to loans | 0.1092% | 2,709 |
| Credit loss provision to net charge-offs | 229.8851% | 1,135 |
| Earnings coverage of net charge-offs (x) | 20.1949% | 1,748 |
| Efficiency ratio | 71.7433% | 3,228 |
| Assets per employee ($millions) | 3.3597% | 5,119 |
| Cash dividends to net income (ytd only)* | 23.6843% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 1,973 |
| Loan loss allowance to noncurrent loans | 434.8131% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 3,888 |
| Noncurrent loans to loans | 0.3909% | 4,740 |
| Net loans and leases to total assets | 54.3020% | 4,542 |
| Net loans and leases to deposits | 64.3662% | 4,495 |
| Net loans and leases to core deposits | 66.7711% | 4,631 |
| Total domestic deposits to total assets | 84.3641% | 3,610 |
| Equity capital to assets | 14.5760% | 836 |
| Core capital (leverage) ratio | 13.6475% | 947 |
| Tier 1 risk-based capital ratio | 18.3492% | 2,105 |
| Total risk-based capital ratio | 19.5628% | 2,075 |
| Memoranda: | ||
| Average total assets | $200,594,750 | 3,008 |
| Average earning assets | $187,551,500 | 2,965 |
| Average equity | $27,822,750 | 2,433 |
| Average total loans | $106,190,250 | 3,327 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 3,870 |
| Cost of funding earning assets | 0.4315% | 3,531 |
| Net interest margin | 3.5343% | 3,640 |
| Noninterest income to average assets | 0.7230% | 2,172 |
| Noninterest expense to average assets | 2.8969% | 3,174 |
| Loan and lease loss provision to assets | 0.1986% | 1,218 |
| Net operating income to assets | 0.8826% | 2,900 |
| Return on assets (ROA) | 0.9008% | 2,894 |
| Pretax return on assets | 0.9405% | 3,721 |
| Return on Equity (ROE) | 6.6045% | 3,831 |
| Retained earnings to average equity (ytd only) | 4.7113% | 3,148 |
| Net charge-offs to loans | 0.1161% | 2,502 |
| Credit loss provision to net charge-offs | 327.8689% | 799 |
| Earnings coverage of net charge-offs (x) | 18.4918% | 1,683 |
| Efficiency ratio | 72.1137% | 3,309 |
| Assets per employee ($millions) | 3.5935% | 4,676 |
| Cash dividends to net income (ytd only)* | 28.6659% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 2,010 |
| Loan loss allowance to noncurrent loans | 178.8626% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 3,423 |
| Noncurrent loans to loans | 0.9718% | 3,292 |
| Net loans and leases to total assets | 52.0796% | 4,739 |
| Net loans and leases to deposits | 61.4603% | 4,741 |
| Net loans and leases to core deposits | 63.8864% | 4,827 |
| Total domestic deposits to total assets | 84.7369% | 3,623 |
| Equity capital to assets | 13.8029% | 1,049 |
| Core capital (leverage) ratio | 13.5020% | 974 |
| Tier 1 risk-based capital ratio | 18.1580% | 2,186 |
| Total risk-based capital ratio | 19.4084% | 2,155 |
| Memoranda: | ||
| Average total assets | $201,385,330 | 3,018 |
| Average earning assets | $187,703,330 | 2,982 |
| Average equity | $27,466,000 | 2,442 |
| Average total loans | $105,087,000 | 3,355 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 3,923 |
| Cost of funding earning assets | 0.4406% | 3,528 |
| Net interest margin | 3.5011% | 3,687 |
| Noninterest income to average assets | 0.6912% | 2,217 |
| Noninterest expense to average assets | 2.7266% | 3,844 |
| Loan and lease loss provision to assets | 0.1002% | 2,253 |
| Net operating income to assets | 1.0678% | 1,936 |
| Return on assets (ROA) | 1.0678% | 2,003 |
| Pretax return on assets | 1.1279% | 2,778 |
| Return on Equity (ROE) | 7.8779% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.8779% | 1,644 |
| Net charge-offs to loans | 0.3212% | 1,106 |
| Credit loss provision to net charge-offs | 60.2410% | 2,104 |
| Earnings coverage of net charge-offs (x) | 7.3855% | 2,122 |
| Efficiency ratio | 68.9463% | 4,011 |
| Assets per employee ($millions) | 3.5425% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6564% | 2,485 |
| Loan loss allowance to noncurrent loans | 193.5666% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 3,801 |
| Noncurrent loans to loans | 0.8557% | 3,753 |
| Net loans and leases to total assets | 50.4271% | 4,860 |
| Net loans and leases to deposits | 58.9950% | 4,840 |
| Net loans and leases to core deposits | 61.4907% | 4,924 |
| Total domestic deposits to total assets | 85.4770% | 3,630 |
| Equity capital to assets | 13.6345% | 1,061 |
| Core capital (leverage) ratio | 13.4691% | 981 |
| Tier 1 risk-based capital ratio | 18.7172% | 2,054 |
| Total risk-based capital ratio | 19.9042% | 2,036 |
| Memoranda: | ||
| Average total assets | $199,664,500 | 3,053 |
| Average earning assets | $186,114,000 | 3,018 |
| Average equity | $27,063,000 | 2,463 |
| Average total loans | $103,350,500 | 3,402 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 4,219 |
| Cost of funding earning assets | 0.5260% | 3,335 |
| Net interest margin | 3.4389% | 4,134 |
| Noninterest income to average assets | 0.7843% | 2,147 |
| Noninterest expense to average assets | 3.0196% | 3,000 |
| Loan and lease loss provision to assets | 0.0521% | 4,094 |
| Net operating income to assets | 0.8778% | 2,892 |
| Return on assets (ROA) | 0.9068% | 2,829 |
| Pretax return on assets | 0.9459% | 3,577 |
| Return on Equity (ROE) | 6.4070% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.9141% | 3,422 |
| Net charge-offs to loans | 0.1691% | 3,129 |
| Credit loss provision to net charge-offs | 62.1118% | 3,507 |
| Earnings coverage of net charge-offs (x) | 11.5342% | 2,227 |
| Efficiency ratio | 75.7287% | 2,821 |
| Assets per employee ($millions) | 3.4633% | 4,973 |
| Cash dividends to net income (ytd only)* | 38.9080% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 2,421 |
| Loan loss allowance to noncurrent loans | 198.1859% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 3,899 |
| Noncurrent loans to loans | 0.8550% | 3,839 |
| Net loans and leases to total assets | 51.3733% | 4,932 |
| Net loans and leases to deposits | 60.5011% | 4,895 |
| Net loans and leases to core deposits | 63.0686% | 4,964 |
| Total domestic deposits to total assets | 84.9130% | 3,787 |
| Equity capital to assets | 13.4721% | 1,080 |
| Core capital (leverage) ratio | 13.7010% | 897 |
| Tier 1 risk-based capital ratio | 18.2230% | 2,175 |
| Total risk-based capital ratio | 19.4246% | 2,152 |
| Memoranda: | ||
| Average total assets | $191,881,600 | 3,132 |
| Average earning assets | $178,722,400 | 3,087 |
| Average equity | $27,158,000 | 2,447 |
| Average total loans | $95,201,400 | 3,575 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 4,402 |
| Cost of funding earning assets | 0.5383% | 3,376 |
| Net interest margin | 3.3880% | 4,327 |
| Noninterest income to average assets | 0.8070% | 2,108 |
| Noninterest expense to average assets | 2.8773% | 3,385 |
| Loan and lease loss provision to assets | 0.0350% | 4,317 |
| Net operating income to assets | 1.0102% | 2,337 |
| Return on assets (ROA) | 1.0162% | 2,400 |
| Pretax return on assets | 1.0596% | 3,266 |
| Return on Equity (ROE) | 7.0917% | 3,593 |
| Retained earnings to average equity (ytd only) | 4.2687% | 3,640 |
| Net charge-offs to loans | 0.1445% | 3,097 |
| Credit loss provision to net charge-offs | 49.5050% | 3,515 |
| Earnings coverage of net charge-offs (x) | 15.3964% | 1,868 |
| Efficiency ratio | 72.5556% | 3,307 |
| Assets per employee ($millions) | 3.3142% | 5,259 |
| Cash dividends to net income (ytd only)* | 39.8073% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,306 |
| Loan loss allowance to noncurrent loans | 130.2222% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 3,962 |
| Noncurrent loans to loans | 1.3818% | 3,102 |
| Net loans and leases to total assets | 49.9110% | 5,145 |
| Net loans and leases to deposits | 58.6780% | 5,114 |
| Net loans and leases to core deposits | 61.0458% | 5,216 |
| Total domestic deposits to total assets | 85.0593% | 3,725 |
| Equity capital to assets | 13.9258% | 984 |
| Core capital (leverage) ratio | 13.8075% | 920 |
| Tier 1 risk-based capital ratio | 18.6497% | 2,096 |
| Total risk-based capital ratio | 19.8953% | 2,069 |
| Memoranda: | ||
| Average total assets | $190,500,000 | 3,179 |
| Average earning assets | $177,602,000 | 3,137 |
| Average equity | $27,298,750 | 2,455 |
| Average total loans | $93,211,000 | 3,640 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 4,584 |
| Cost of funding earning assets | 0.5492% | 3,422 |
| Net interest margin | 3.3225% | 4,475 |
| Noninterest income to average assets | 0.7919% | 2,224 |
| Noninterest expense to average assets | 2.8759% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9710% | 2,459 |
| Return on assets (ROA) | 0.9720% | 2,601 |
| Pretax return on assets | 1.0130% | 3,448 |
| Return on Equity (ROE) | 6.7188% | 3,762 |
| Retained earnings to average equity (ytd only) | 3.5304% | 4,074 |
| Net charge-offs to loans | 0.1090% | 3,267 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 19.2200% | 1,512 |
| Efficiency ratio | 73.9707% | 3,138 |
| Assets per employee ($millions) | 3.3023% | 5,256 |
| Cash dividends to net income (ytd only)* | 47.4540% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8794% | 2,172 |
| Loan loss allowance to noncurrent loans | 118.9317% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.9314% | 3,921 |
| Noncurrent loans to loans | 1.5802% | 2,942 |
| Net loans and leases to total assets | 47.9479% | 5,336 |
| Net loans and leases to deposits | 56.7719% | 5,269 |
| Net loans and leases to core deposits | 59.1932% | 5,329 |
| Total domestic deposits to total assets | 84.4571% | 4,143 |
| Equity capital to assets | 13.9390% | 987 |
| Core capital (leverage) ratio | 13.6142% | 936 |
| Tier 1 risk-based capital ratio | 18.7020% | 2,078 |
| Total risk-based capital ratio | 19.9273% | 2,054 |
| Memoranda: | ||
| Average total assets | $189,924,670 | 3,195 |
| Average earning assets | $176,977,000 | 3,158 |
| Average equity | $27,475,330 | 2,455 |
| Average total loans | $91,714,670 | 3,681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 4,495 |
| Cost of funding earning assets | 0.5630% | 3,454 |
| Net interest margin | 3.3304% | 4,396 |
| Noninterest income to average assets | 0.8355% | 1,978 |
| Noninterest expense to average assets | 2.7305% | 3,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1569% | 1,647 |
| Return on assets (ROA) | 1.1569% | 1,756 |
| Pretax return on assets | 1.2077% | 2,541 |
| Return on Equity (ROE) | 7.8524% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.4120% | 2,998 |
| Net charge-offs to loans | 0.0044% | 4,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 571.0000% | 58 |
| Efficiency ratio | 69.3340% | 4,087 |
| Assets per employee ($millions) | 3.4780% | 5,026 |
| Cash dividends to net income (ytd only)* | 31.0786% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 1,997 |
| Loan loss allowance to noncurrent loans | 125.2945% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 4,095 |
| Noncurrent loans to loans | 1.6103% | 3,124 |
| Net loans and leases to total assets | 45.9007% | 5,447 |
| Net loans and leases to deposits | 54.4491% | 5,400 |
| Net loans and leases to core deposits | 57.0590% | 5,429 |
| Total domestic deposits to total assets | 84.3002% | 4,358 |
| Equity capital to assets | 14.6255% | 844 |
| Core capital (leverage) ratio | 13.5703% | 920 |
| Tier 1 risk-based capital ratio | 19.4200% | 1,934 |
| Total risk-based capital ratio | 20.6714% | 1,906 |
| Memoranda: | ||
| Average total assets | $189,119,500 | 3,235 |
| Average earning assets | $176,194,000 | 3,196 |
| Average equity | $27,864,000 | 2,458 |
| Average total loans | $90,774,000 | 3,730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 4,826 |
| Cost of funding earning assets | 0.6249% | 4,138 |
| Net interest margin | 3.5082% | 4,468 |
| Noninterest income to average assets | 0.6744% | 2,860 |
| Noninterest expense to average assets | 2.9153% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9962% | 2,349 |
| Return on assets (ROA) | 1.0247% | 2,443 |
| Pretax return on assets | 1.0590% | 3,326 |
| Return on Equity (ROE) | 6.8788% | 3,711 |
| Retained earnings to average equity (ytd only) | 4.8633% | 2,796 |
| Net charge-offs to loans | -0.0566% | 6,724 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9005% | 3,085 |
| Assets per employee ($millions) | 3.4620% | 5,086 |
| Cash dividends to net income (ytd only)* | 29.2994% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9677% | 2,112 |
| Loan loss allowance to noncurrent loans | 135.8108% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8965% | 4,254 |
| Noncurrent loans to loans | 1.4488% | 3,430 |
| Net loans and leases to total assets | 48.2097% | 5,393 |
| Net loans and leases to deposits | 57.6295% | 5,281 |
| Net loans and leases to core deposits | 59.8007% | 5,382 |
| Total domestic deposits to total assets | 83.6545% | 4,471 |
| Equity capital to assets | 14.8441% | 779 |
| Core capital (leverage) ratio | 13.9911% | 806 |
| Tier 1 risk-based capital ratio | 19.2452% | 1,879 |
| Total risk-based capital ratio | 20.4969% | 1,855 |
| Memoranda: | ||
| Average total assets | $183,854,600 | 3,261 |
| Average earning assets | $171,396,000 | 3,212 |
| Average equity | $27,388,600 | 2,458 |
| Average total loans | $83,046,000 | 3,941 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1456% | 5,012 |
| Cost of funding earning assets | 0.6402% | 4,279 |
| Net interest margin | 3.5054% | 4,621 |
| Noninterest income to average assets | 0.6758% | 2,842 |
| Noninterest expense to average assets | 2.7339% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1637% | 1,854 |
| Return on assets (ROA) | 1.1965% | 1,928 |
| Pretax return on assets | 1.2497% | 2,793 |
| Return on Equity (ROE) | 8.0248% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.4752% | 3,053 |
| Net charge-offs to loans | -0.1996% | 6,989 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2237% | 3,832 |
| Assets per employee ($millions) | 3.3538% | 5,314 |
| Cash dividends to net income (ytd only)* | 31.7711% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,653 |
| Loan loss allowance to noncurrent loans | 1,743.5185% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 6,076 |
| Noncurrent loans to loans | 0.1278% | 6,288 |
| Net loans and leases to total assets | 45.6349% | 5,804 |
| Net loans and leases to deposits | 54.5615% | 5,759 |
| Net loans and leases to core deposits | 56.5518% | 5,846 |
| Total domestic deposits to total assets | 83.6393% | 4,377 |
| Equity capital to assets | 15.3463% | 739 |
| Core capital (leverage) ratio | 13.8579% | 882 |
| Tier 1 risk-based capital ratio | 20.0988% | 1,728 |
| Total risk-based capital ratio | 21.3229% | 1,708 |
| Memoranda: | ||
| Average total assets | $183,080,750 | 3,296 |
| Average earning assets | $170,970,750 | 3,249 |
| Average equity | $27,298,000 | 2,481 |
| Average total loans | $80,823,250 | 4,059 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 5,120 |
| Cost of funding earning assets | 0.6610% | 4,353 |
| Net interest margin | 3.4926% | 4,703 |
| Noninterest income to average assets | 0.6760% | 2,798 |
| Noninterest expense to average assets | 2.6777% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2051% | 1,695 |
| Return on assets (ROA) | 1.2082% | 1,879 |
| Pretax return on assets | 1.2627% | 2,679 |
| Return on Equity (ROE) | 8.1819% | 3,173 |
| Retained earnings to average equity (ytd only) | 5.4399% | 3,022 |
| Net charge-offs to loans | -0.2287% | 7,027 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0122% | 4,121 |
| Assets per employee ($millions) | 3.5298% | 4,920 |
| Cash dividends to net income (ytd only)* | 33.5135% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 1,543 |
| Loan loss allowance to noncurrent loans | 955.1546% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 6,049 |
| Noncurrent loans to loans | 0.2437% | 6,090 |
| Net loans and leases to total assets | 41.5684% | 6,222 |
| Net loans and leases to deposits | 49.2458% | 6,223 |
| Net loans and leases to core deposits | 50.8913% | 6,305 |
| Total domestic deposits to total assets | 84.4100% | 4,135 |
| Equity capital to assets | 14.6481% | 868 |
| Core capital (leverage) ratio | 13.3847% | 1,022 |
| Tier 1 risk-based capital ratio | 20.1794% | 1,669 |
| Total risk-based capital ratio | 21.4047% | 1,638 |
| Memoranda: | ||
| Average total assets | $183,739,330 | 3,299 |
| Average earning assets | $171,564,330 | 3,249 |
| Average equity | $27,133,000 | 2,468 |
| Average total loans | $79,587,670 | 4,115 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 4,867 |
| Cost of funding earning assets | 0.6827% | 4,432 |
| Net interest margin | 3.5829% | 4,340 |
| Noninterest income to average assets | 0.7404% | 2,447 |
| Noninterest expense to average assets | 2.5177% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4961% | 1,027 |
| Return on assets (ROA) | 1.4961% | 1,148 |
| Pretax return on assets | 1.5664% | 1,680 |
| Return on Equity (ROE) | 10.0898% | 2,376 |
| Retained earnings to average equity (ytd only) | 10.0898% | 1,251 |
| Net charge-offs to loans | -0.4524% | 7,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6460% | 5,346 |
| Assets per employee ($millions) | 3.6741% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4049% | 1,496 |
| Loan loss allowance to noncurrent loans | 12,346.6667% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 6,069 |
| Noncurrent loans to loans | 0.0195% | 6,729 |
| Net loans and leases to total assets | 40.1103% | 6,343 |
| Net loans and leases to deposits | 47.4770% | 6,323 |
| Net loans and leases to core deposits | 49.1714% | 6,383 |
| Total domestic deposits to total assets | 84.4835% | 4,281 |
| Equity capital to assets | 14.5826% | 842 |
| Core capital (leverage) ratio | 13.5151% | 946 |
| Tier 1 risk-based capital ratio | 20.4797% | 1,594 |
| Total risk-based capital ratio | 21.7335% | 1,570 |
| Memoranda: | ||
| Average total assets | $182,068,000 | 3,347 |
| Average earning assets | $169,916,500 | 3,288 |
| Average equity | $26,997,500 | 2,475 |
| Average total loans | $79,571,500 | 4,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 3,869 |
| Cost of funding earning assets | 0.8221% | 4,693 |
| Net interest margin | 3.9655% | 3,038 |
| Noninterest income to average assets | 0.7013% | 2,594 |
| Noninterest expense to average assets | 3.0232% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3209% | 1,193 |
| Return on assets (ROA) | 1.3192% | 1,292 |
| Pretax return on assets | 1.3750% | 1,861 |
| Return on Equity (ROE) | 8.6029% | 2,631 |
| Retained earnings to average equity (ytd only) | 5.6504% | 2,207 |
| Net charge-offs to loans | 0.0780% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 36.9839% | 720 |
| Efficiency ratio | 68.7091% | 4,208 |
| Assets per employee ($millions) | 3.4658% | 5,107 |
| Cash dividends to net income (ytd only)* | 34.3195% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1453% | 1,904 |
| Loan loss allowance to noncurrent loans | 1,874.4681% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 5,998 |
| Noncurrent loans to loans | 0.1144% | 6,526 |
| Net loans and leases to total assets | 45.4697% | 6,059 |
| Net loans and leases to deposits | 54.1880% | 6,049 |
| Net loans and leases to core deposits | 56.4301% | 6,127 |
| Total domestic deposits to total assets | 83.9111% | 4,345 |
| Equity capital to assets | 15.0887% | 759 |
| Core capital (leverage) ratio | 14.0710% | 810 |
| Tier 1 risk-based capital ratio | 19.7195% | 1,699 |
| Total risk-based capital ratio | 20.9723% | 1,665 |
| Memoranda: | ||
| Average total assets | $166,543,200 | 3,547 |
| Average earning assets | $155,338,000 | 3,485 |
| Average equity | $25,537,800 | 2,518 |
| Average total loans | $79,453,000 | 4,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 3,568 |
| Cost of funding earning assets | 0.8577% | 4,718 |
| Net interest margin | 4.0402% | 2,732 |
| Noninterest income to average assets | 0.7521% | 2,300 |
| Noninterest expense to average assets | 2.8416% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6113% | 756 |
| Return on assets (ROA) | 1.6090% | 833 |
| Pretax return on assets | 1.6805% | 1,183 |
| Return on Equity (ROE) | 10.4479% | 2,055 |
| Retained earnings to average equity (ytd only) | 7.4493% | 1,738 |
| Net charge-offs to loans | 0.1794% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 19.5283% | 1,261 |
| Efficiency ratio | 62.8032% | 5,276 |
| Assets per employee ($millions) | 3.4978% | 5,002 |
| Cash dividends to net income (ytd only)* | 28.7012% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1631% | 1,932 |
| Loan loss allowance to noncurrent loans | 1,053.9877% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 5,987 |
| Noncurrent loans to loans | 0.2052% | 6,464 |
| Net loans and leases to total assets | 45.3381% | 6,207 |
| Net loans and leases to deposits | 54.3951% | 6,179 |
| Net loans and leases to core deposits | 56.2078% | 6,299 |
| Total domestic deposits to total assets | 83.3497% | 4,537 |
| Equity capital to assets | 15.5978% | 703 |
| Core capital (leverage) ratio | 14.3018% | 820 |
| Tier 1 risk-based capital ratio | 20.1954% | 1,638 |
| Total risk-based capital ratio | 21.4474% | 1,607 |
| Memoranda: | ||
| Average total assets | $163,990,250 | 3,605 |
| Average earning assets | $153,124,000 | 3,548 |
| Average equity | $25,254,750 | 2,546 |
| Average total loans | $78,783,250 | 4,214 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 3,372 |
| Cost of funding earning assets | 0.8810% | 4,821 |
| Net interest margin | 4.0762% | 2,506 |
| Noninterest income to average assets | 0.7120% | 2,484 |
| Noninterest expense to average assets | 2.8466% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6046% | 726 |
| Return on assets (ROA) | 1.6010% | 775 |
| Pretax return on assets | 1.6716% | 1,105 |
| Return on Equity (ROE) | 10.4434% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.3580% | 1,713 |
| Net charge-offs to loans | 0.2291% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.0333% | 1,435 |
| Efficiency ratio | 62.9518% | 5,411 |
| Assets per employee ($millions) | 3.3236% | 5,380 |
| Cash dividends to net income (ytd only)* | 29.5437% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2253% | 1,871 |
| Loan loss allowance to noncurrent loans | 4,954.2857% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 5,914 |
| Noncurrent loans to loans | 0.0449% | 6,871 |
| Net loans and leases to total assets | 46.7824% | 6,179 |
| Net loans and leases to deposits | 57.6554% | 5,972 |
| Net loans and leases to core deposits | 59.6525% | 6,117 |
| Total domestic deposits to total assets | 81.1414% | 5,479 |
| Equity capital to assets | 15.9173% | 619 |
| Core capital (leverage) ratio | 14.4747% | 767 |
| Tier 1 risk-based capital ratio | 20.4240% | 1,530 |
| Total risk-based capital ratio | 21.6625% | 1,501 |
| Memoranda: | ||
| Average total assets | $161,523,670 | 3,662 |
| Average earning assets | $150,972,330 | 3,611 |
| Average equity | $24,762,000 | 2,584 |
| Average total loans | $78,570,000 | 4,269 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 3,353 |
| Cost of funding earning assets | 0.9034% | 4,894 |
| Net interest margin | 4.0412% | 2,510 |
| Noninterest income to average assets | 0.7336% | 2,369 |
| Noninterest expense to average assets | 2.9119% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5368% | 807 |
| Return on assets (ROA) | 1.5368% | 850 |
| Pretax return on assets | 1.6039% | 1,183 |
| Return on Equity (ROE) | 10.2225% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.2225% | 1,075 |
| Net charge-offs to loans | 0.4157% | 2,441 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 7.8659% | 1,886 |
| Efficiency ratio | 64.4824% | 5,284 |
| Assets per employee ($millions) | 3.1892% | 5,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2307% | 1,892 |
| Loan loss allowance to noncurrent loans | 1,244.2857% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 5,847 |
| Noncurrent loans to loans | 0.1793% | 6,609 |
| Net loans and leases to total assets | 46.9410% | 6,199 |
| Net loans and leases to deposits | 56.3994% | 6,095 |
| Net loans and leases to core deposits | 58.3062% | 6,227 |
| Total domestic deposits to total assets | 83.2295% | 4,834 |
| Equity capital to assets | 15.1547% | 731 |
| Core capital (leverage) ratio | 14.3935% | 761 |
| Tier 1 risk-based capital ratio | 20.2332% | 1,536 |
| Total risk-based capital ratio | 21.4607% | 1,515 |
| Memoranda: | ||
| Average total assets | $160,858,500 | 3,693 |
| Average earning assets | $150,550,000 | 3,629 |
| Average equity | $24,182,000 | 2,626 |
| Average total loans | $78,894,500 | 4,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4486% | 2,481 |
| Cost of funding earning assets | 1.1315% | 4,960 |
| Net interest margin | 4.3171% | 1,764 |
| Noninterest income to average assets | 0.6799% | 2,964 |
| Noninterest expense to average assets | 3.5365% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.1129% | 1,665 |
| Return on assets (ROA) | 1.1607% | 1,591 |
| Pretax return on assets | 1.2111% | 2,187 |
| Return on Equity (ROE) | 7.2613% | 2,998 |
| Retained earnings to average equity (ytd only) | 3.3482% | 3,525 |
| Net charge-offs to loans | 0.1453% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 1,251 |
| Efficiency ratio | 75.2792% | 3,148 |
| Assets per employee ($millions) | 3.2463% | 5,549 |
| Cash dividends to net income (ytd only)* | 53.8902% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2886% | 1,713 |
| Loan loss allowance to noncurrent loans | 525.6484% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.5916% | 5,843 |
| Noncurrent loans to loans | 0.4354% | 6,171 |
| Net loans and leases to total assets | 48.9564% | 6,278 |
| Net loans and leases to deposits | 58.5132% | 6,212 |
| Net loans and leases to core deposits | 60.5830% | 6,351 |
| Total domestic deposits to total assets | 83.6674% | 4,519 |
| Equity capital to assets | 14.9087% | 810 |
| Core capital (leverage) ratio | 14.6119% | 729 |
| Tier 1 risk-based capital ratio | 19.7574% | 1,537 |
| Total risk-based capital ratio | 21.0114% | 1,506 |
| Memoranda: | ||
| Average total assets | $150,602,000 | 3,861 |
| Average earning assets | $140,164,600 | 3,816 |
| Average equity | $24,072,800 | 2,651 |
| Average total loans | $75,706,600 | 4,465 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5695% | 2,176 |
| Cost of funding earning assets | 1.1624% | 5,077 |
| Net interest margin | 4.4071% | 1,502 |
| Noninterest income to average assets | 0.6887% | 2,885 |
| Noninterest expense to average assets | 3.3825% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3423% | 1,251 |
| Return on assets (ROA) | 1.4044% | 1,166 |
| Pretax return on assets | 1.4663% | 1,700 |
| Return on Equity (ROE) | 8.6303% | 2,637 |
| Retained earnings to average equity (ytd only) | 4.9332% | 3,038 |
| Net charge-offs to loans | 0.2106% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 13.2288% | 1,605 |
| Efficiency ratio | 70.7020% | 3,938 |
| Assets per employee ($millions) | 2.9369% | 6,292 |
| Cash dividends to net income (ytd only)* | 42.8389% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3509% | 1,544 |
| Loan loss allowance to noncurrent loans | 1,202.6490% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.4974% | 6,185 |
| Noncurrent loans to loans | 0.1955% | 6,791 |
| Net loans and leases to total assets | 50.3605% | 6,285 |
| Net loans and leases to deposits | 62.2026% | 6,097 |
| Net loans and leases to core deposits | 64.4585% | 6,258 |
| Total domestic deposits to total assets | 80.9621% | 5,385 |
| Equity capital to assets | 16.6571% | 561 |
| Core capital (leverage) ratio | 15.1210% | 692 |
| Tier 1 risk-based capital ratio | 21.0180% | 1,354 |
| Total risk-based capital ratio | 22.2730% | 1,330 |
| Memoranda: | ||
| Average total assets | $148,485,500 | 3,947 |
| Average earning assets | $137,986,250 | 3,905 |
| Average equity | $24,162,250 | 2,687 |
| Average total loans | $74,708,750 | 4,578 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 2,393 |
| Cost of funding earning assets | 1.1690% | 5,291 |
| Net interest margin | 4.3644% | 1,551 |
| Noninterest income to average assets | 0.6903% | 2,762 |
| Noninterest expense to average assets | 3.3218% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3776% | 1,131 |
| Return on assets (ROA) | 1.4022% | 1,151 |
| Pretax return on assets | 1.4643% | 1,658 |
| Return on Equity (ROE) | 8.6862% | 2,586 |
| Retained earnings to average equity (ytd only) | 4.7866% | 3,020 |
| Net charge-offs to loans | 0.1462% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 19.7222% | 1,247 |
| Efficiency ratio | 69.7787% | 4,227 |
| Assets per employee ($millions) | 3.0576% | 6,019 |
| Cash dividends to net income (ytd only)* | 44.8940% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4686% | 1,338 |
| Loan loss allowance to noncurrent loans | 921.5686% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 6,106 |
| Noncurrent loans to loans | 0.2679% | 6,694 |
| Net loans and leases to total assets | 49.5755% | 6,482 |
| Net loans and leases to deposits | 61.9821% | 6,236 |
| Net loans and leases to core deposits | 63.6412% | 6,431 |
| Total domestic deposits to total assets | 79.9836% | 5,732 |
| Equity capital to assets | 16.3033% | 626 |
| Core capital (leverage) ratio | 15.1429% | 696 |
| Tier 1 risk-based capital ratio | 20.9143% | 1,352 |
| Total risk-based capital ratio | 22.1708% | 1,327 |
| Memoranda: | ||
| Average total assets | $148,054,000 | 3,995 |
| Average earning assets | $138,070,330 | 3,937 |
| Average equity | $23,900,000 | 2,704 |
| Average total loans | $73,863,000 | 4,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 2,408 |
| Cost of funding earning assets | 1.2550% | 5,087 |
| Net interest margin | 4.2844% | 1,736 |
| Noninterest income to average assets | 0.6523% | 2,923 |
| Noninterest expense to average assets | 3.0604% | 3,434 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5100% | 878 |
| Return on assets (ROA) | 1.4867% | 984 |
| Pretax return on assets | 1.5574% | 1,373 |
| Return on Equity (ROE) | 9.2567% | 2,402 |
| Retained earnings to average equity (ytd only) | 4.1630% | 3,651 |
| Net charge-offs to loans | 0.1650% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,201 |
| Efficiency ratio | 65.9251% | 5,131 |
| Assets per employee ($millions) | 3.1738% | 5,824 |
| Cash dividends to net income (ytd only)* | 55.0274% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6840% | 1,095 |
| Loan loss allowance to noncurrent loans | 643.2432% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 5,727 |
| Noncurrent loans to loans | 0.4173% | 6,460 |
| Net loans and leases to total assets | 47.2852% | 6,732 |
| Net loans and leases to deposits | 56.9403% | 6,704 |
| Net loans and leases to core deposits | 56.9403% | 6,938 |
| Total domestic deposits to total assets | 83.0435% | 4,604 |
| Equity capital to assets | 16.3647% | 620 |
| Core capital (leverage) ratio | 14.8946% | 769 |
| Tier 1 risk-based capital ratio | 21.8635% | 1,215 |
| Total risk-based capital ratio | 23.1212% | 1,205 |
| Memoranda: | ||
| Average total assets | $147,170,000 | 4,058 |
| Average earning assets | $137,054,500 | 4,013 |
| Average equity | $23,637,000 | 2,757 |
| Average total loans | $72,717,000 | 4,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9090% | 2,193 |
| Cost of funding earning assets | 1.5012% | 5,508 |
| Net interest margin | 4.4078% | 1,411 |
| Noninterest income to average assets | 0.7596% | 2,621 |
| Noninterest expense to average assets | 3.4578% | 2,499 |
| Loan and lease loss provision to assets | 0.1712% | 5,978 |
| Net operating income to assets | 1.1999% | 1,242 |
| Return on assets (ROA) | 1.2384% | 1,211 |
| Pretax return on assets | 1.2713% | 1,777 |
| Return on Equity (ROE) | 7.9746% | 2,385 |
| Retained earnings to average equity (ytd only) | 2.5406% | 3,370 |
| Net charge-offs to loans | 0.6566% | 3,219 |
| Credit loss provision to net charge-offs | 50.1002% | 6,743 |
| Earnings coverage of net charge-offs (x) | 4.1042% | 3,065 |
| Efficiency ratio | 71.1387% | 4,421 |
| Assets per employee ($millions) | 3.0274% | 6,152 |
| Cash dividends to net income (ytd only)* | 68.1416% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5961% | 1,120 |
| Loan loss allowance to noncurrent loans | 735.3612% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 5,817 |
| Noncurrent loans to loans | 0.3530% | 6,569 |
| Net loans and leases to total assets | 48.9143% | 6,736 |
| Net loans and leases to deposits | 59.2141% | 6,688 |
| Net loans and leases to core deposits | 69.5982% | 6,798 |
| Total domestic deposits to total assets | 82.6059% | 4,704 |
| Equity capital to assets | 15.7621% | 732 |
| Core capital (leverage) ratio | 15.0646% | 764 |
| Tier 1 risk-based capital ratio | 21.0086% | 1,292 |
| Total risk-based capital ratio | 22.2663% | 1,261 |
| Memoranda: | ||
| Average total assets | $145,989,200 | 4,015 |
| Average earning assets | $135,826,600 | 3,980 |
| Average equity | $22,672,000 | 2,868 |
| Average total loans | $76,001,400 | 4,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0021% | 2,032 |
| Cost of funding earning assets | 1.5565% | 5,604 |
| Net interest margin | 4.4456% | 1,327 |
| Noninterest income to average assets | 0.6648% | 3,253 |
| Noninterest expense to average assets | 3.3947% | 2,595 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3678% | 1,089 |
| Return on assets (ROA) | 1.4167% | 1,053 |
| Pretax return on assets | 1.4562% | 1,534 |
| Return on Equity (ROE) | 9.1576% | 2,207 |
| Retained earnings to average equity (ytd only) | 3.1889% | 3,527 |
| Net charge-offs to loans | 0.2915% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 9.1797% | 2,139 |
| Efficiency ratio | 70.7163% | 4,466 |
| Assets per employee ($millions) | 2.9552% | 6,275 |
| Cash dividends to net income (ytd only)* | 65.1778% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6671% | 907 |
| Loan loss allowance to noncurrent loans | 331.0345% | 919 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 4,766 |
| Noncurrent loans to loans | 0.8057% | 5,691 |
| Net loans and leases to total assets | 50.8066% | 6,715 |
| Net loans and leases to deposits | 63.2504% | 6,565 |
| Net loans and leases to core deposits | 74.2339% | 6,717 |
| Total domestic deposits to total assets | 80.3261% | 5,318 |
| Equity capital to assets | 16.2058% | 762 |
| Core capital (leverage) ratio | 15.3155% | 802 |
| Tier 1 risk-based capital ratio | 21.0612% | 1,359 |
| Total risk-based capital ratio | 22.3194% | 1,342 |
| Memoranda: | ||
| Average total assets | $145,400,750 | 4,051 |
| Average earning assets | $135,260,250 | 4,017 |
| Average equity | $22,494,500 | 2,911 |
| Average total loans | $76,378,000 | 4,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 1,979 |
| Cost of funding earning assets | 1.6215% | 5,659 |
| Net interest margin | 4.4292% | 1,339 |
| Noninterest income to average assets | 0.6635% | 3,241 |
| Noninterest expense to average assets | 3.3407% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4191% | 980 |
| Return on assets (ROA) | 1.4931% | 908 |
| Pretax return on assets | 1.5220% | 1,385 |
| Return on Equity (ROE) | 9.8059% | 2,090 |
| Retained earnings to average equity (ytd only) | 3.7528% | 3,208 |
| Net charge-offs to loans | 0.2740% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 10.0286% | 2,045 |
| Efficiency ratio | 69.7848% | 4,826 |
| Assets per employee ($millions) | 2.9816% | 6,184 |
| Cash dividends to net income (ytd only)* | 61.7295% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 727 |
| Loan loss allowance to noncurrent loans | 274.8677% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1676% | 4,608 |
| Noncurrent loans to loans | 0.9919% | 5,221 |
| Net loans and leases to total assets | 51.8041% | 6,708 |
| Net loans and leases to deposits | 64.7833% | 6,492 |
| Net loans and leases to core deposits | 76.5387% | 6,642 |
| Total domestic deposits to total assets | 79.9652% | 5,485 |
| Equity capital to assets | 15.6041% | 906 |
| Core capital (leverage) ratio | 14.9670% | 930 |
| Tier 1 risk-based capital ratio | 21.1836% | 1,367 |
| Total risk-based capital ratio | 22.4191% | 1,336 |
| Memoranda: | ||
| Average total assets | $145,599,000 | 4,073 |
| Average earning assets | $135,554,330 | 4,040 |
| Average equity | $22,170,330 | 2,954 |
| Average total loans | $76,641,670 | 4,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 2,132 |
| Cost of funding earning assets | 1.6875% | 5,648 |
| Net interest margin | 4.3666% | 1,428 |
| Noninterest income to average assets | 0.6619% | 3,118 |
| Noninterest expense to average assets | 3.1517% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5693% | 827 |
| Return on assets (ROA) | 1.5936% | 870 |
| Pretax return on assets | 1.6017% | 1,402 |
| Return on Equity (ROE) | 10.5933% | 2,099 |
| Retained earnings to average equity (ytd only) | 4.5270% | 3,412 |
| Net charge-offs to loans | 0.0156% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 193.0000% | 222 |
| Efficiency ratio | 66.6475% | 5,206 |
| Assets per employee ($millions) | 3.0782% | 5,956 |
| Cash dividends to net income (ytd only)* | 57.2650% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9213% | 516 |
| Loan loss allowance to noncurrent loans | 153.5211% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 4,287 |
| Noncurrent loans to loans | 1.9028% | 3,408 |
| Net loans and leases to total assets | 50.0736% | 6,858 |
| Net loans and leases to deposits | 62.9196% | 6,652 |
| Net loans and leases to core deposits | 73.6859% | 6,821 |
| Total domestic deposits to total assets | 79.5835% | 5,511 |
| Equity capital to assets | 15.6030% | 949 |
| Core capital (leverage) ratio | 14.4142% | 1,100 |
| Tier 1 risk-based capital ratio | 21.5200% | 1,365 |
| Total risk-based capital ratio | 22.7458% | 1,339 |
| Memoranda: | ||
| Average total assets | $146,840,500 | 4,060 |
| Average earning assets | $136,767,000 | 4,020 |
| Average equity | $22,089,500 | 2,964 |
| Average total loans | $76,853,500 | 4,735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5899% | 2,538 |
| Cost of funding earning assets | 2.2453% | 5,389 |
| Net interest margin | 4.3446% | 1,838 |
| Noninterest income to average assets | 0.7303% | 2,900 |
| Noninterest expense to average assets | 3.2606% | 3,111 |
| Loan and lease loss provision to assets | -0.0681% | 8,244 |
| Net operating income to assets | 1.5267% | 969 |
| Return on assets (ROA) | 1.5267% | 936 |
| Pretax return on assets | 1.5349% | 1,580 |
| Return on Equity (ROE) | 10.5625% | 2,066 |
| Retained earnings to average equity (ytd only) | 2.4980% | 3,641 |
| Net charge-offs to loans | 0.7972% | 1,564 |
| Credit loss provision to net charge-offs | -15.7480% | 7,271 |
| Earnings coverage of net charge-offs (x) | 3.3906% | 4,390 |
| Efficiency ratio | 68.9725% | 4,543 |
| Assets per employee ($millions) | 3.1703% | 5,563 |
| Cash dividends to net income (ytd only)* | 76.3498% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7604% | 535 |
| Loan loss allowance to noncurrent loans | 137.9027% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,165 |
| Noncurrent loans to loans | 2.0017% | 2,760 |
| Net loans and leases to total assets | 51.6087% | 6,881 |
| Net loans and leases to deposits | 61.5325% | 6,986 |
| Net loans and leases to core deposits | 70.4816% | 7,163 |
| Total domestic deposits to total assets | 83.8722% | 3,385 |
| Equity capital to assets | 14.4996% | 1,298 |
| Core capital (leverage) ratio | 14.6600% | 1,103 |
| Tier 1 risk-based capital ratio | 21.8375% | 1,338 |
| Total risk-based capital ratio | 23.1001% | 1,300 |
| Memoranda: | ||
| Average total assets | $146,783,600 | 3,956 |
| Average earning assets | $135,040,600 | 3,948 |
| Average equity | $21,216,600 | 3,075 |
| Average total loans | $79,657,600 | 4,530 |