Home > First National Bank in Philip > Performance and Condition Ratios
First National Bank in Philip, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4989% | 1,162 |
| Cost of funding earning assets | 2.1849% | 662 |
| Net interest margin | 3.3141% | 2,598 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.6110% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7013% | 733 |
| Return on assets (ROA) | 1.6898% | 713 |
| Pretax return on assets | 1.7732% | 920 |
| Return on Equity (ROE) | 16.7100% | 987 |
| Retained earnings to average equity (ytd only) | 6.6291% | 2,015 |
| Net charge-offs to loans | -0.0009% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.4331% | 4,120 |
| Assets per employee ($millions) | 13.5438% | 286 |
| Cash dividends to net income (ytd only)* | 60.3344% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 862 |
| Loan loss allowance to noncurrent loans | 15,637.5000% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,760 |
| Noncurrent loans to loans | 0.0101% | 3,694 |
| Net loans and leases to total assets | 59.2600% | 2,915 |
| Net loans and leases to deposits | 67.0315% | 3,105 |
| Net loans and leases to core deposits | 74.7593% | 3,041 |
| Total domestic deposits to total assets | 88.4100% | 1,228 |
| Equity capital to assets | 10.3603% | 1,805 |
| Core capital (leverage) ratio | 12.1081% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2742% | 1,033 |
| Memoranda: | ||
| Average total assets | $371,643,600 | 2,110 |
| Average earning assets | $349,541,400 | 2,093 |
| Average equity | $37,577,000 | 1,953 |
| Average total loans | $226,135,800 | 2,126 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 1,081 |
| Cost of funding earning assets | 2.0926% | 600 |
| Net interest margin | 3.3492% | 2,570 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.4521% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8953% | 566 |
| Return on assets (ROA) | 1.8797% | 570 |
| Pretax return on assets | 1.9729% | 778 |
| Return on Equity (ROE) | 18.7100% | 853 |
| Retained earnings to average equity (ytd only) | 4.9856% | 2,938 |
| Net charge-offs to loans | 0.0101% | 2,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 321.5294% | 427 |
| Efficiency ratio | 42.1954% | 4,302 |
| Assets per employee ($millions) | 12.0537% | 368 |
| Cash dividends to net income (ytd only)* | 73.3591% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 884 |
| Loan loss allowance to noncurrent loans | 15,558.3333% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,790 |
| Noncurrent loans to loans | 0.0103% | 3,724 |
| Net loans and leases to total assets | 65.6800% | 2,271 |
| Net loans and leases to deposits | 74.5922% | 2,521 |
| Net loans and leases to core deposits | 84.3097% | 2,309 |
| Total domestic deposits to total assets | 88.0500% | 1,555 |
| Equity capital to assets | 10.2582% | 1,666 |
| Core capital (leverage) ratio | 12.6161% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7260% | 1,150 |
| Memoranda: | ||
| Average total assets | $366,362,250 | 2,131 |
| Average earning assets | $344,312,250 | 2,115 |
| Average equity | $36,798,250 | 1,975 |
| Average total loans | $223,543,000 | 2,138 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2417% | 1,160 |
| Cost of funding earning assets | 1.8881% | 627 |
| Net interest margin | 3.3536% | 2,631 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.5324% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8318% | 620 |
| Return on assets (ROA) | 1.8088% | 645 |
| Pretax return on assets | 1.8986% | 874 |
| Return on Equity (ROE) | 18.1300% | 936 |
| Retained earnings to average equity (ytd only) | 2.8832% | 3,511 |
| Net charge-offs to loans | 0.0154% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 210.3529% | 582 |
| Efficiency ratio | 44.3511% | 4,241 |
| Assets per employee ($millions) | 12.8333% | 309 |
| Cash dividends to net income (ytd only)* | 84.0963% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 947 |
| Loan loss allowance to noncurrent loans | 15,558.3333% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,793 |
| Noncurrent loans to loans | 0.0102% | 3,710 |
| Net loans and leases to total assets | 64.1600% | 2,363 |
| Net loans and leases to deposits | 72.4274% | 2,618 |
| Net loans and leases to core deposits | 81.7526% | 2,355 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 10.3614% | 1,650 |
| Core capital (leverage) ratio | 12.3229% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6086% | 1,189 |
| Memoranda: | ||
| Average total assets | $371,964,333 | 2,115 |
| Average earning assets | $351,260,000 | 2,088 |
| Average equity | $37,111,667 | 1,979 |
| Average total loans | $220,285,000 | 2,151 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 1,147 |
| Cost of funding earning assets | 1.7508% | 498 |
| Net interest margin | 3.2952% | 2,892 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.5872% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7434% | 758 |
| Return on assets (ROA) | 1.6982% | 819 |
| Pretax return on assets | 1.7839% | 1,098 |
| Return on Equity (ROE) | 17.3400% | 1,124 |
| Retained earnings to average equity (ytd only) | 5.7973% | 2,824 |
| Net charge-offs to loans | -0.0150% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.4275% | 4,192 |
| Assets per employee ($millions) | 13.0526% | 306 |
| Cash dividends to net income (ytd only)* | 66.5629% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 791 |
| Loan loss allowance to noncurrent loans | 15,662.5000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,818 |
| Noncurrent loans to loans | 0.0109% | 3,743 |
| Net loans and leases to total assets | 59.0700% | 2,763 |
| Net loans and leases to deposits | 66.5829% | 2,892 |
| Net loans and leases to core deposits | 75.1686% | 2,587 |
| Total domestic deposits to total assets | 88.7200% | 1,647 |
| Equity capital to assets | 10.3356% | 1,649 |
| Core capital (leverage) ratio | 11.8369% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4231% | 1,086 |
| Memoranda: | ||
| Average total assets | $378,280,500 | 2,110 |
| Average earning assets | $358,458,000 | 2,080 |
| Average equity | $37,051,500 | 2,004 |
| Average total loans | $213,284,000 | 2,220 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 1,922 |
| Cost of funding earning assets | 0.8664% | 290 |
| Net interest margin | 3.0563% | 3,297 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.2452% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7608% | 481 |
| Return on assets (ROA) | 1.7608% | 456 |
| Pretax return on assets | 1.8495% | 650 |
| Return on Equity (ROE) | 17.2800% | 817 |
| Retained earnings to average equity (ytd only) | 8.6408% | 1,586 |
| Net charge-offs to loans | -0.0010% | 3,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.2365% | 4,532 |
| Assets per employee ($millions) | 13.9674% | 246 |
| Cash dividends to net income (ytd only)* | 50.0078% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8061% | 653 |
| Loan loss allowance to noncurrent loans | 15,570.8333% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,855 |
| Noncurrent loans to loans | 0.0116% | 3,755 |
| Net loans and leases to total assets | 51.9500% | 3,361 |
| Net loans and leases to deposits | 57.9176% | 3,469 |
| Net loans and leases to core deposits | 64.5617% | 3,231 |
| Total domestic deposits to total assets | 89.7000% | 1,484 |
| Equity capital to assets | 9.2892% | 2,164 |
| Core capital (leverage) ratio | 11.4374% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4711% | 1,055 |
| Memoranda: | ||
| Average total assets | $363,405,200 | 2,165 |
| Average earning assets | $344,077,600 | 2,135 |
| Average equity | $37,022,200 | 2,037 |
| Average total loans | $197,142,600 | 2,246 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 2,189 |
| Cost of funding earning assets | 0.6496% | 338 |
| Net interest margin | 3.0032% | 3,208 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 0.9885% | 4,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7698% | 456 |
| Return on assets (ROA) | 1.7698% | 442 |
| Pretax return on assets | 1.8592% | 647 |
| Return on Equity (ROE) | 16.9600% | 798 |
| Retained earnings to average equity (ytd only) | 5.4916% | 2,924 |
| Net charge-offs to loans | -0.0027% | 3,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.7124% | 4,657 |
| Assets per employee ($millions) | 12.8149% | 315 |
| Cash dividends to net income (ytd only)* | 67.6247% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 617 |
| Loan loss allowance to noncurrent loans | 11,330.3030% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 3,902 |
| Noncurrent loans to loans | 0.0167% | 3,802 |
| Net loans and leases to total assets | 54.1000% | 3,090 |
| Net loans and leases to deposits | 60.1045% | 3,195 |
| Net loans and leases to core deposits | 67.2143% | 2,862 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 9.0944% | 2,139 |
| Core capital (leverage) ratio | 11.8789% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7106% | 1,044 |
| Memoranda: | ||
| Average total assets | $356,484,500 | 2,208 |
| Average earning assets | $337,406,500 | 2,175 |
| Average equity | $37,195,500 | 2,054 |
| Average total loans | $194,700,250 | 2,266 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3791% | 2,494 |
| Cost of funding earning assets | 0.5003% | 518 |
| Net interest margin | 2.8789% | 3,223 |
| Noninterest income to average assets | -0.1479% | 4,760 |
| Noninterest expense to average assets | 1.0014% | 4,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5057% | 697 |
| Return on assets (ROA) | 1.5057% | 674 |
| Pretax return on assets | 1.5816% | 985 |
| Return on Equity (ROE) | 13.8338% | 1,153 |
| Retained earnings to average equity (ytd only) | 1.4361% | 3,892 |
| Net charge-offs to loans | -0.0021% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7680% | 4,641 |
| Assets per employee ($millions) | 12.1909% | 360 |
| Cash dividends to net income (ytd only)* | 89.6191% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 669 |
| Loan loss allowance to noncurrent loans | 1,426.3359% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,235 |
| Noncurrent loans to loans | 0.1328% | 3,048 |
| Net loans and leases to total assets | 54.7473% | 2,880 |
| Net loans and leases to deposits | 61.5496% | 2,922 |
| Net loans and leases to core deposits | 68.8111% | 2,581 |
| Total domestic deposits to total assets | 88.9483% | 2,208 |
| Equity capital to assets | 10.1115% | 1,648 |
| Core capital (leverage) ratio | 11.7296% | 1,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6170% | 1,052 |
| Memoranda: | ||
| Average total assets | $355,707,333 | 2,225 |
| Average earning assets | $337,423,000 | 2,193 |
| Average equity | $38,716,667 | 2,051 |
| Average total loans | $193,644,333 | 2,276 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2181% | 2,628 |
| Cost of funding earning assets | 0.4473% | 669 |
| Net interest margin | 2.7709% | 3,224 |
| Noninterest income to average assets | -0.2612% | 4,785 |
| Noninterest expense to average assets | 0.8106% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4843% | 657 |
| Return on assets (ROA) | 1.4843% | 649 |
| Pretax return on assets | 1.5606% | 898 |
| Return on Equity (ROE) | 13.1738% | 1,000 |
| Retained earnings to average equity (ytd only) | 5.2138% | 2,508 |
| Net charge-offs to loans | -0.0063% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1844% | 4,714 |
| Assets per employee ($millions) | 12.1704% | 377 |
| Cash dividends to net income (ytd only)* | 60.4230% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9459% | 682 |
| Loan loss allowance to noncurrent loans | 2,031.5217% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,518 |
| Noncurrent loans to loans | 0.0958% | 3,363 |
| Net loans and leases to total assets | 53.3693% | 2,834 |
| Net loans and leases to deposits | 60.5405% | 2,854 |
| Net loans and leases to core deposits | 67.8025% | 2,470 |
| Total domestic deposits to total assets | 88.1547% | 2,456 |
| Equity capital to assets | 10.8826% | 1,392 |
| Core capital (leverage) ratio | 11.8216% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2043% | 1,015 |
| Memoranda: | ||
| Average total assets | $356,792,500 | 2,226 |
| Average earning assets | $338,955,500 | 2,195 |
| Average equity | $40,201,000 | 2,047 |
| Average total loans | $191,822,000 | 2,287 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 1,543 |
| Cost of funding earning assets | 0.4966% | 950 |
| Net interest margin | 3.4330% | 1,925 |
| Noninterest income to average assets | 0.2742% | 3,757 |
| Noninterest expense to average assets | 1.5494% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8758% | 432 |
| Return on assets (ROA) | 1.8758% | 460 |
| Pretax return on assets | 1.9688% | 642 |
| Return on Equity (ROE) | 15.2820% | 888 |
| Retained earnings to average equity (ytd only) | 6.8061% | 1,999 |
| Net charge-offs to loans | -0.0016% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0383% | 4,573 |
| Assets per employee ($millions) | 12.4360% | 360 |
| Cash dividends to net income (ytd only)* | 55.4637% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 657 |
| Loan loss allowance to noncurrent loans | 1,876.8844% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0552% | 3,591 |
| Noncurrent loans to loans | 0.1039% | 3,407 |
| Net loans and leases to total assets | 52.0760% | 3,057 |
| Net loans and leases to deposits | 59.8238% | 3,090 |
| Net loans and leases to core deposits | 66.0525% | 2,815 |
| Total domestic deposits to total assets | 87.0490% | 2,502 |
| Equity capital to assets | 11.6439% | 1,431 |
| Core capital (leverage) ratio | 11.6655% | 1,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2772% | 991 |
| Memoranda: | ||
| Average total assets | $335,170,400 | 2,271 |
| Average earning assets | $316,722,800 | 2,248 |
| Average equity | $41,139,800 | 2,045 |
| Average total loans | $189,518,200 | 2,308 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 1,100 |
| Cost of funding earning assets | 0.5130% | 984 |
| Net interest margin | 3.6921% | 1,352 |
| Noninterest income to average assets | 0.2745% | 3,778 |
| Noninterest expense to average assets | 1.5170% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1358% | 368 |
| Return on assets (ROA) | 2.1358% | 388 |
| Pretax return on assets | 2.2420% | 505 |
| Return on Equity (ROE) | 17.1588% | 746 |
| Retained earnings to average equity (ytd only) | 5.7989% | 2,915 |
| Net charge-offs to loans | -0.0014% | 3,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3560% | 4,711 |
| Assets per employee ($millions) | 11.6719% | 410 |
| Cash dividends to net income (ytd only)* | 66.2047% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 661 |
| Loan loss allowance to noncurrent loans | 7,779.1667% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,125 |
| Noncurrent loans to loans | 0.0255% | 4,013 |
| Net loans and leases to total assets | 54.6123% | 2,893 |
| Net loans and leases to deposits | 63.1859% | 2,938 |
| Net loans and leases to core deposits | 70.3670% | 2,562 |
| Total domestic deposits to total assets | 86.4313% | 2,590 |
| Equity capital to assets | 12.2177% | 1,301 |
| Core capital (leverage) ratio | 12.2180% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9463% | 1,140 |
| Memoranda: | ||
| Average total assets | $328,802,000 | 2,325 |
| Average earning assets | $310,309,250 | 2,300 |
| Average equity | $40,926,500 | 2,081 |
| Average total loans | $189,011,750 | 2,346 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 615 |
| Cost of funding earning assets | 0.5256% | 1,064 |
| Net interest margin | 4.0834% | 715 |
| Noninterest income to average assets | 0.2863% | 3,710 |
| Noninterest expense to average assets | 1.5063% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.5106% | 214 |
| Return on assets (ROA) | 2.5106% | 231 |
| Pretax return on assets | 2.6360% | 287 |
| Return on Equity (ROE) | 20.0423% | 454 |
| Retained earnings to average equity (ytd only) | 6.8655% | 2,482 |
| Net charge-offs to loans | -0.0011% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3636% | 4,831 |
| Assets per employee ($millions) | 11.9129% | 361 |
| Cash dividends to net income (ytd only)* | 65.7450% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 653 |
| Loan loss allowance to noncurrent loans | 7,777.0833% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,198 |
| Noncurrent loans to loans | 0.0252% | 4,092 |
| Net loans and leases to total assets | 55.9242% | 2,906 |
| Net loans and leases to deposits | 64.7234% | 2,926 |
| Net loans and leases to core deposits | 72.2911% | 2,580 |
| Total domestic deposits to total assets | 86.4049% | 2,591 |
| Equity capital to assets | 12.3096% | 1,214 |
| Core capital (leverage) ratio | 12.2589% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4284% | 1,044 |
| Memoranda: | ||
| Average total assets | $325,574,667 | 2,330 |
| Average earning assets | $307,438,333 | 2,301 |
| Average equity | $40,783,667 | 2,069 |
| Average total loans | $189,153,000 | 2,358 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 225 |
| Cost of funding earning assets | 0.5304% | 1,200 |
| Net interest margin | 4.7989% | 240 |
| Noninterest income to average assets | 0.2848% | 3,698 |
| Noninterest expense to average assets | 1.6033% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.0624% | 146 |
| Return on assets (ROA) | 3.0624% | 162 |
| Pretax return on assets | 3.2166% | 186 |
| Return on Equity (ROE) | 24.2290% | 286 |
| Retained earnings to average equity (ytd only) | 15.5688% | 562 |
| Net charge-offs to loans | -0.0042% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2645% | 4,882 |
| Assets per employee ($millions) | 11.1246% | 437 |
| Cash dividends to net income (ytd only)* | 35.7433% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 674 |
| Loan loss allowance to noncurrent loans | 7,779.1667% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,270 |
| Noncurrent loans to loans | 0.0250% | 4,163 |
| Net loans and leases to total assets | 58.3179% | 2,767 |
| Net loans and leases to deposits | 67.8807% | 2,717 |
| Net loans and leases to core deposits | 76.1686% | 2,335 |
| Total domestic deposits to total assets | 85.9122% | 2,765 |
| Equity capital to assets | 12.7902% | 971 |
| Core capital (leverage) ratio | 12.7784% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0245% | 922 |
| Memoranda: | ||
| Average total assets | $321,581,000 | 2,332 |
| Average earning assets | $303,900,500 | 2,305 |
| Average equity | $40,645,500 | 2,059 |
| Average total loans | $188,592,000 | 2,363 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 1,721 |
| Cost of funding earning assets | 0.8822% | 906 |
| Net interest margin | 3.4682% | 2,568 |
| Noninterest income to average assets | 0.2898% | 3,750 |
| Noninterest expense to average assets | 1.6703% | 4,649 |
| Loan and lease loss provision to assets | 0.0815% | 3,356 |
| Net operating income to assets | 1.7057% | 491 |
| Return on assets (ROA) | 1.7393% | 490 |
| Pretax return on assets | 1.8246% | 650 |
| Return on Equity (ROE) | 13.2301% | 985 |
| Retained earnings to average equity (ytd only) | 4.9597% | 2,293 |
| Net charge-offs to loans | -0.0187% | 4,405 |
| Credit loss provision to net charge-offs | -648.6486% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1694% | 4,668 |
| Assets per employee ($millions) | 11.0534% | 391 |
| Cash dividends to net income (ytd only)* | 62.5122% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0139% | 570 |
| Loan loss allowance to noncurrent loans | 238.6189% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 2,099 |
| Noncurrent loans to loans | 0.8440% | 1,667 |
| Net loans and leases to total assets | 56.6456% | 3,232 |
| Net loans and leases to deposits | 65.8133% | 3,291 |
| Net loans and leases to core deposits | 74.5096% | 2,860 |
| Total domestic deposits to total assets | 86.0701% | 2,335 |
| Equity capital to assets | 12.4873% | 1,331 |
| Core capital (leverage) ratio | 12.1832% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7365% | 942 |
| Memoranda: | ||
| Average total assets | $294,310,800 | 2,323 |
| Average earning assets | $275,909,800 | 2,313 |
| Average equity | $38,692,200 | 2,072 |
| Average total loans | $198,374,800 | 2,248 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 1,450 |
| Cost of funding earning assets | 0.9916% | 783 |
| Net interest margin | 3.5594% | 2,393 |
| Noninterest income to average assets | 0.3155% | 3,603 |
| Noninterest expense to average assets | 1.6963% | 4,629 |
| Loan and lease loss provision to assets | 0.1112% | 2,932 |
| Net operating income to assets | 1.7502% | 511 |
| Return on assets (ROA) | 1.7960% | 510 |
| Pretax return on assets | 1.8845% | 655 |
| Return on Equity (ROE) | 13.4726% | 984 |
| Retained earnings to average equity (ytd only) | 2.3497% | 3,800 |
| Net charge-offs to loans | -0.0231% | 4,459 |
| Credit loss provision to net charge-offs | -685.7143% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5539% | 4,689 |
| Assets per employee ($millions) | 10.1791% | 481 |
| Cash dividends to net income (ytd only)* | 82.5593% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 709 |
| Loan loss allowance to noncurrent loans | 238.6436% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5295% | 2,111 |
| Noncurrent loans to loans | 0.7571% | 1,913 |
| Net loans and leases to total assets | 68.6726% | 2,154 |
| Net loans and leases to deposits | 80.4644% | 2,270 |
| Net loans and leases to core deposits | 92.4855% | 1,754 |
| Total domestic deposits to total assets | 85.3453% | 2,303 |
| Equity capital to assets | 13.1513% | 1,120 |
| Core capital (leverage) ratio | 12.9432% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9240% | 1,271 |
| Memoranda: | ||
| Average total assets | $287,751,250 | 2,340 |
| Average earning assets | $269,062,000 | 2,336 |
| Average equity | $38,358,250 | 2,081 |
| Average total loans | $201,641,250 | 2,216 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6747% | 1,460 |
| Cost of funding earning assets | 1.0734% | 783 |
| Net interest margin | 3.6014% | 2,477 |
| Noninterest income to average assets | 0.3309% | 3,489 |
| Noninterest expense to average assets | 1.7443% | 4,638 |
| Loan and lease loss provision to assets | 0.1262% | 2,765 |
| Net operating income to assets | 1.7452% | 562 |
| Return on assets (ROA) | 1.8144% | 535 |
| Pretax return on assets | 1.9042% | 667 |
| Return on Equity (ROE) | 13.5484% | 964 |
| Retained earnings to average equity (ytd only) | 0.9842% | 4,104 |
| Net charge-offs to loans | -0.0350% | 4,585 |
| Credit loss provision to net charge-offs | -514.2857% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1212% | 4,672 |
| Assets per employee ($millions) | 9.2851% | 624 |
| Cash dividends to net income (ytd only)* | 92.7357% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 726 |
| Loan loss allowance to noncurrent loans | 227.3854% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 2,125 |
| Noncurrent loans to loans | 0.7714% | 1,956 |
| Net loans and leases to total assets | 71.4180% | 1,813 |
| Net loans and leases to deposits | 83.8192% | 2,014 |
| Net loans and leases to core deposits | 96.2334% | 1,560 |
| Total domestic deposits to total assets | 85.2049% | 2,306 |
| Equity capital to assets | 13.3335% | 1,028 |
| Core capital (leverage) ratio | 13.1432% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8194% | 1,297 |
| Memoranda: | ||
| Average total assets | $285,270,000 | 2,336 |
| Average earning assets | $267,009,333 | 2,321 |
| Average equity | $38,203,667 | 2,071 |
| Average total loans | $200,039,000 | 2,218 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 1,528 |
| Cost of funding earning assets | 1.2700% | 620 |
| Net interest margin | 3.4905% | 3,010 |
| Noninterest income to average assets | 0.3620% | 3,349 |
| Noninterest expense to average assets | 1.8480% | 4,613 |
| Loan and lease loss provision to assets | 0.1268% | 2,124 |
| Net operating income to assets | 1.5719% | 660 |
| Return on assets (ROA) | 1.5719% | 731 |
| Pretax return on assets | 1.6508% | 948 |
| Return on Equity (ROE) | 11.7116% | 1,193 |
| Retained earnings to average equity (ytd only) | 3.3162% | 2,952 |
| Net charge-offs to loans | -0.0778% | 4,766 |
| Credit loss provision to net charge-offs | -236.8421% | 3,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9713% | 4,613 |
| Assets per employee ($millions) | 8.9303% | 541 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 722 |
| Loan loss allowance to noncurrent loans | 2,961.1570% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,388 |
| Noncurrent loans to loans | 0.0605% | 4,304 |
| Net loans and leases to total assets | 71.0043% | 2,090 |
| Net loans and leases to deposits | 83.9660% | 2,232 |
| Net loans and leases to core deposits | 98.5219% | 1,583 |
| Total domestic deposits to total assets | 84.5632% | 2,580 |
| Equity capital to assets | 13.9760% | 1,067 |
| Core capital (leverage) ratio | 13.4259% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3799% | 1,257 |
| Memoranda: | ||
| Average total assets | $283,985,500 | 2,294 |
| Average earning assets | $265,519,500 | 2,285 |
| Average equity | $38,116,000 | 2,063 |
| Average total loans | $195,439,000 | 2,222 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2475% | 907 |
| Cost of funding earning assets | 1.4523% | 460 |
| Net interest margin | 3.7952% | 2,512 |
| Noninterest income to average assets | 0.2674% | 4,081 |
| Noninterest expense to average assets | 1.8496% | 4,716 |
| Loan and lease loss provision to assets | 0.1328% | 1,604 |
| Net operating income to assets | 1.6979% | 662 |
| Return on assets (ROA) | 1.6979% | 705 |
| Pretax return on assets | 1.7872% | 969 |
| Return on Equity (ROE) | 12.7321% | 1,266 |
| Retained earnings to average equity (ytd only) | 3.8808% | 3,029 |
| Net charge-offs to loans | 0.0056% | 3,475 |
| Credit loss provision to net charge-offs | 3,272.7273% | 126 |
| Earnings coverage of net charge-offs (x) | 473.1818% | 198 |
| Efficiency ratio | 49.0655% | 4,781 |
| Assets per employee ($millions) | 9.3914% | 432 |
| Cash dividends to net income (ytd only)* | 69.5199% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8115% | 642 |
| Loan loss allowance to noncurrent loans | 2,927.9661% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,435 |
| Noncurrent loans to loans | 0.0619% | 4,294 |
| Net loans and leases to total assets | 64.3256% | 3,155 |
| Net loans and leases to deposits | 75.1995% | 3,244 |
| Net loans and leases to core deposits | 86.7177% | 2,733 |
| Total domestic deposits to total assets | 85.5399% | 2,270 |
| Equity capital to assets | 12.8948% | 1,588 |
| Core capital (leverage) ratio | 12.9157% | 1,274 |
| Tier 1 risk-based capital ratio | 18.0060% | 1,757 |
| Total risk-based capital ratio | 19.2608% | 1,712 |
| Memoranda: | ||
| Average total assets | $271,092,600 | 2,325 |
| Average earning assets | $250,158,800 | 2,338 |
| Average equity | $36,152,800 | 2,088 |
| Average total loans | $195,546,800 | 2,196 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 743 |
| Cost of funding earning assets | 1.5014% | 405 |
| Net interest margin | 3.8709% | 2,363 |
| Noninterest income to average assets | 0.2711% | 4,118 |
| Noninterest expense to average assets | 1.7358% | 4,884 |
| Loan and lease loss provision to assets | 0.1353% | 1,418 |
| Net operating income to assets | 1.8660% | 545 |
| Return on assets (ROA) | 1.8660% | 566 |
| Pretax return on assets | 1.9592% | 751 |
| Return on Equity (ROE) | 13.8671% | 1,009 |
| Retained earnings to average equity (ytd only) | 1.9512% | 4,292 |
| Net charge-offs to loans | 0.0088% | 3,049 |
| Credit loss provision to net charge-offs | 2,076.9231% | 197 |
| Earnings coverage of net charge-offs (x) | 321.5920% | 301 |
| Efficiency ratio | 45.3166% | 4,962 |
| Assets per employee ($millions) | 9.0443% | 476 |
| Cash dividends to net income (ytd only)* | 85.9291% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 877 |
| Loan loss allowance to noncurrent loans | 2,899.1379% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,500 |
| Noncurrent loans to loans | 0.0573% | 4,378 |
| Net loans and leases to total assets | 73.3183% | 1,943 |
| Net loans and leases to deposits | 90.4562% | 1,638 |
| Net loans and leases to core deposits | 106.4661% | 1,151 |
| Total domestic deposits to total assets | 81.0539% | 3,740 |
| Equity capital to assets | 13.4774% | 1,375 |
| Core capital (leverage) ratio | 13.3827% | 1,178 |
| Tier 1 risk-based capital ratio | 16.3143% | 2,329 |
| Total risk-based capital ratio | 17.5673% | 2,262 |
| Memoranda: | ||
| Average total assets | $266,082,500 | 2,369 |
| Average earning assets | $244,660,000 | 2,388 |
| Average equity | $35,805,750 | 2,114 |
| Average total loans | $196,751,500 | 2,208 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2802% | 848 |
| Cost of funding earning assets | 1.4407% | 459 |
| Net interest margin | 3.8395% | 2,438 |
| Noninterest income to average assets | 0.2769% | 4,087 |
| Noninterest expense to average assets | 1.7001% | 4,978 |
| Loan and lease loss provision to assets | 0.1362% | 1,360 |
| Net operating income to assets | 1.9014% | 479 |
| Return on assets (ROA) | 1.9014% | 500 |
| Pretax return on assets | 1.9975% | 679 |
| Return on Equity (ROE) | 14.1372% | 947 |
| Retained earnings to average equity (ytd only) | 0.6357% | 4,528 |
| Net charge-offs to loans | 0.0123% | 2,694 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 343 |
| Efficiency ratio | 44.3458% | 5,055 |
| Assets per employee ($millions) | 8.8354% | 501 |
| Cash dividends to net income (ytd only)* | 95.5034% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 953 |
| Loan loss allowance to noncurrent loans | 2,751.2605% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,547 |
| Noncurrent loans to loans | 0.0595% | 4,416 |
| Net loans and leases to total assets | 74.2522% | 1,848 |
| Net loans and leases to deposits | 90.1147% | 1,726 |
| Net loans and leases to core deposits | 106.2045% | 1,233 |
| Total domestic deposits to total assets | 82.3974% | 3,405 |
| Equity capital to assets | 13.5953% | 1,281 |
| Core capital (leverage) ratio | 13.5890% | 1,082 |
| Tier 1 risk-based capital ratio | 16.4882% | 2,239 |
| Total risk-based capital ratio | 17.7411% | 2,188 |
| Memoranda: | ||
| Average total assets | $264,334,000 | 2,391 |
| Average earning assets | $244,877,330 | 2,392 |
| Average equity | $35,551,670 | 2,116 |
| Average total loans | $194,903,330 | 2,230 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 902 |
| Cost of funding earning assets | 1.3624% | 522 |
| Net interest margin | 3.8439% | 2,368 |
| Noninterest income to average assets | 0.2803% | 4,009 |
| Noninterest expense to average assets | 1.7396% | 4,979 |
| Loan and lease loss provision to assets | 0.1364% | 1,270 |
| Net operating income to assets | 1.8745% | 483 |
| Return on assets (ROA) | 1.8745% | 498 |
| Pretax return on assets | 1.9699% | 674 |
| Return on Equity (ROE) | 14.0132% | 970 |
| Retained earnings to average equity (ytd only) | 4.9505% | 2,926 |
| Net charge-offs to loans | 0.1040% | 1,119 |
| Credit loss provision to net charge-offs | 180.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | 27.8000% | 1,372 |
| Efficiency ratio | 45.2325% | 5,058 |
| Assets per employee ($millions) | 8.6271% | 539 |
| Cash dividends to net income (ytd only)* | 64.6726% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,001 |
| Loan loss allowance to noncurrent loans | 780.6452% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,027 |
| Noncurrent loans to loans | 0.2095% | 3,837 |
| Net loans and leases to total assets | 73.1172% | 1,958 |
| Net loans and leases to deposits | 86.3622% | 2,091 |
| Net loans and leases to core deposits | 101.8537% | 1,477 |
| Total domestic deposits to total assets | 84.6634% | 2,793 |
| Equity capital to assets | 13.8966% | 1,080 |
| Core capital (leverage) ratio | 13.7269% | 1,018 |
| Tier 1 risk-based capital ratio | 17.2125% | 2,046 |
| Total risk-based capital ratio | 18.4652% | 1,983 |
| Memoranda: | ||
| Average total assets | $263,969,500 | 2,413 |
| Average earning assets | $244,857,000 | 2,416 |
| Average equity | $35,309,500 | 2,127 |
| Average total loans | $192,310,500 | 2,268 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 1,461 |
| Cost of funding earning assets | 0.9877% | 798 |
| Net interest margin | 3.8455% | 2,520 |
| Noninterest income to average assets | 0.2539% | 4,410 |
| Noninterest expense to average assets | 1.6069% | 5,164 |
| Loan and lease loss provision to assets | 0.1344% | 1,610 |
| Net operating income to assets | 1.9833% | 375 |
| Return on assets (ROA) | 1.9833% | 371 |
| Pretax return on assets | 2.0725% | 472 |
| Return on Equity (ROE) | 16.0798% | 617 |
| Retained earnings to average equity (ytd only) | 8.2669% | 1,131 |
| Net charge-offs to loans | 0.0902% | 1,877 |
| Credit loss provision to net charge-offs | 219.5122% | 1,326 |
| Earnings coverage of net charge-offs (x) | 36.0427% | 1,419 |
| Efficiency ratio | 42.1341% | 5,236 |
| Assets per employee ($millions) | 8.9709% | 471 |
| Cash dividends to net income (ytd only)* | 48.5881% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 994 |
| Loan loss allowance to noncurrent loans | 5,973.0769% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,785 |
| Noncurrent loans to loans | 0.0270% | 4,650 |
| Net loans and leases to total assets | 70.2765% | 2,528 |
| Net loans and leases to deposits | 82.1371% | 2,712 |
| Net loans and leases to core deposits | 92.4259% | 2,372 |
| Total domestic deposits to total assets | 85.5600% | 2,417 |
| Equity capital to assets | 12.8761% | 1,401 |
| Core capital (leverage) ratio | 13.1076% | 1,203 |
| Tier 1 risk-based capital ratio | 17.0249% | 2,058 |
| Total risk-based capital ratio | 18.2776% | 2,000 |
| Memoranda: | ||
| Average total assets | $267,842,000 | 2,350 |
| Average earning assets | $247,949,000 | 2,354 |
| Average equity | $33,035,200 | 2,155 |
| Average total loans | $181,802,600 | 2,318 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 1,557 |
| Cost of funding earning assets | 0.9414% | 772 |
| Net interest margin | 3.8061% | 2,626 |
| Noninterest income to average assets | 0.2607% | 4,412 |
| Noninterest expense to average assets | 1.5530% | 5,244 |
| Loan and lease loss provision to assets | 0.1346% | 1,489 |
| Net operating income to assets | 1.9936% | 386 |
| Return on assets (ROA) | 1.9936% | 380 |
| Pretax return on assets | 2.0932% | 490 |
| Return on Equity (ROE) | 16.3441% | 635 |
| Retained earnings to average equity (ytd only) | 6.8196% | 2,222 |
| Net charge-offs to loans | 0.1384% | 1,176 |
| Credit loss provision to net charge-offs | 145.1613% | 1,757 |
| Earnings coverage of net charge-offs (x) | 24.0326% | 1,829 |
| Efficiency ratio | 41.0757% | 5,304 |
| Assets per employee ($millions) | 8.6452% | 503 |
| Cash dividends to net income (ytd only)* | 58.2750% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,254 |
| Loan loss allowance to noncurrent loans | 6,237.5000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,907 |
| Noncurrent loans to loans | 0.0245% | 4,787 |
| Net loans and leases to total assets | 71.8423% | 2,351 |
| Net loans and leases to deposits | 92.6278% | 1,545 |
| Net loans and leases to core deposits | 105.7384% | 1,329 |
| Total domestic deposits to total assets | 77.5602% | 4,552 |
| Equity capital to assets | 12.3847% | 1,655 |
| Core capital (leverage) ratio | 13.2137% | 1,202 |
| Tier 1 risk-based capital ratio | 16.0605% | 2,424 |
| Total risk-based capital ratio | 17.3120% | 2,365 |
| Memoranda: | ||
| Average total assets | $267,520,750 | 2,362 |
| Average earning assets | $247,423,500 | 2,367 |
| Average equity | $32,630,750 | 2,183 |
| Average total loans | $179,193,500 | 2,352 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,885 |
| Cost of funding earning assets | 0.8707% | 830 |
| Net interest margin | 3.6954% | 2,946 |
| Noninterest income to average assets | 0.2581% | 4,463 |
| Noninterest expense to average assets | 1.5290% | 5,323 |
| Loan and lease loss provision to assets | 0.1346% | 1,461 |
| Net operating income to assets | 1.9562% | 415 |
| Return on assets (ROA) | 1.9562% | 413 |
| Pretax return on assets | 2.0392% | 559 |
| Return on Equity (ROE) | 16.1201% | 649 |
| Retained earnings to average equity (ytd only) | 4.4631% | 3,368 |
| Net charge-offs to loans | -0.0610% | 4,984 |
| Credit loss provision to net charge-offs | -339.6226% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2929% | 5,371 |
| Assets per employee ($millions) | 8.1297% | 602 |
| Cash dividends to net income (ytd only)* | 72.3136% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6930% | 915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 72.4158% | 2,210 |
| Net loans and leases to deposits | 84.5755% | 2,468 |
| Net loans and leases to core deposits | 96.2426% | 2,044 |
| Total domestic deposits to total assets | 85.6226% | 2,442 |
| Equity capital to assets | 12.9172% | 1,335 |
| Core capital (leverage) ratio | 13.0494% | 1,202 |
| Tier 1 risk-based capital ratio | 16.6204% | 2,218 |
| Total risk-based capital ratio | 17.8739% | 2,165 |
| Memoranda: | ||
| Average total assets | $267,360,670 | 2,369 |
| Average earning assets | $249,229,000 | 2,367 |
| Average equity | $32,444,000 | 2,199 |
| Average total loans | $173,747,330 | 2,410 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 2,414 |
| Cost of funding earning assets | 0.7809% | 1,042 |
| Net interest margin | 3.5500% | 3,343 |
| Noninterest income to average assets | 0.2414% | 4,559 |
| Noninterest expense to average assets | 1.4500% | 5,429 |
| Loan and lease loss provision to assets | 0.1309% | 1,444 |
| Net operating income to assets | 1.8980% | 455 |
| Return on assets (ROA) | 1.8980% | 458 |
| Pretax return on assets | 1.9794% | 593 |
| Return on Equity (ROE) | 16.1166% | 598 |
| Retained earnings to average equity (ytd only) | 3.9890% | 3,598 |
| Net charge-offs to loans | -0.0691% | 5,107 |
| Credit loss provision to net charge-offs | -310.3448% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7271% | 5,442 |
| Assets per employee ($millions) | 8.9189% | 456 |
| Cash dividends to net income (ytd only)* | 75.2490% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 748 |
| Loan loss allowance to noncurrent loans | 100,966.6667% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,147 |
| Noncurrent loans to loans | 0.0018% | 5,024 |
| Net loans and leases to total assets | 63.0753% | 3,423 |
| Net loans and leases to deposits | 73.1918% | 3,497 |
| Net loans and leases to core deposits | 83.5371% | 3,014 |
| Total domestic deposits to total assets | 86.1781% | 2,462 |
| Equity capital to assets | 12.4590% | 1,500 |
| Core capital (leverage) ratio | 12.4551% | 1,412 |
| Tier 1 risk-based capital ratio | 18.3965% | 1,721 |
| Total risk-based capital ratio | 19.6513% | 1,685 |
| Memoranda: | ||
| Average total assets | $275,030,500 | 2,339 |
| Average earning assets | $257,124,000 | 2,313 |
| Average equity | $32,389,000 | 2,213 |
| Average total loans | $167,798,000 | 2,496 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 1,567 |
| Cost of funding earning assets | 0.7706% | 734 |
| Net interest margin | 3.7780% | 2,510 |
| Noninterest income to average assets | 0.2635% | 4,557 |
| Noninterest expense to average assets | 1.7953% | 5,244 |
| Loan and lease loss provision to assets | 0.1399% | 1,631 |
| Net operating income to assets | 1.7517% | 476 |
| Return on assets (ROA) | 1.7517% | 481 |
| Pretax return on assets | 1.8248% | 743 |
| Return on Equity (ROE) | 14.4510% | 696 |
| Retained earnings to average equity (ytd only) | 6.9770% | 1,081 |
| Net charge-offs to loans | 0.0778% | 2,336 |
| Credit loss provision to net charge-offs | 272.7273% | 1,023 |
| Earnings coverage of net charge-offs (x) | 38.2955% | 1,299 |
| Efficiency ratio | 47.7465% | 5,332 |
| Assets per employee ($millions) | 9.4004% | 389 |
| Cash dividends to net income (ytd only)* | 51.7195% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 57.1402% | 4,096 |
| Net loans and leases to deposits | 65.3552% | 4,233 |
| Net loans and leases to core deposits | 74.0266% | 3,875 |
| Total domestic deposits to total assets | 87.4302% | 1,800 |
| Equity capital to assets | 11.1707% | 2,463 |
| Core capital (leverage) ratio | 11.6843% | 1,804 |
| Tier 1 risk-based capital ratio | 17.8806% | 1,833 |
| Total risk-based capital ratio | 19.1343% | 1,782 |
| Memoranda: | ||
| Average total assets | $257,288,400 | 2,440 |
| Average earning assets | $238,116,000 | 2,443 |
| Average equity | $31,188,200 | 2,280 |
| Average total loans | $169,742,000 | 2,423 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 1,305 |
| Cost of funding earning assets | 0.7885% | 615 |
| Net interest margin | 3.8368% | 2,256 |
| Noninterest income to average assets | 0.2857% | 4,481 |
| Noninterest expense to average assets | 1.8320% | 5,231 |
| Loan and lease loss provision to assets | 0.1447% | 1,453 |
| Net operating income to assets | 1.7736% | 492 |
| Return on assets (ROA) | 1.7736% | 508 |
| Pretax return on assets | 1.8481% | 789 |
| Return on Equity (ROE) | 14.3025% | 775 |
| Retained earnings to average equity (ytd only) | 4.2229% | 3,388 |
| Net charge-offs to loans | 0.0141% | 3,242 |
| Credit loss provision to net charge-offs | 1,500.0000% | 250 |
| Earnings coverage of net charge-offs (x) | 206.5504% | 422 |
| Efficiency ratio | 47.8980% | 5,347 |
| Assets per employee ($millions) | 7.5118% | 763 |
| Cash dividends to net income (ytd only)* | 70.4746% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 1,179 |
| Loan loss allowance to noncurrent loans | 2,051.7483% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,948 |
| Noncurrent loans to loans | 0.0793% | 4,757 |
| Net loans and leases to total assets | 71.5695% | 2,323 |
| Net loans and leases to deposits | 83.6881% | 2,596 |
| Net loans and leases to core deposits | 97.4037% | 1,939 |
| Total domestic deposits to total assets | 85.5193% | 2,514 |
| Equity capital to assets | 12.8291% | 1,480 |
| Core capital (leverage) ratio | 12.9256% | 1,242 |
| Tier 1 risk-based capital ratio | 15.9634% | 2,525 |
| Total risk-based capital ratio | 17.2159% | 2,458 |
| Memoranda: | ||
| Average total assets | $248,757,250 | 2,517 |
| Average earning assets | $229,454,000 | 2,524 |
| Average equity | $30,847,000 | 2,316 |
| Average total loans | $169,821,500 | 2,440 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 1,697 |
| Cost of funding earning assets | 0.7746% | 598 |
| Net interest margin | 3.6650% | 2,771 |
| Noninterest income to average assets | 0.2811% | 4,545 |
| Noninterest expense to average assets | 1.7852% | 5,329 |
| Loan and lease loss provision to assets | 0.1446% | 1,412 |
| Net operating income to assets | 1.6776% | 587 |
| Return on assets (ROA) | 1.6776% | 605 |
| Pretax return on assets | 1.7483% | 949 |
| Return on Equity (ROE) | 13.6855% | 876 |
| Retained earnings to average equity (ytd only) | 1.2906% | 4,733 |
| Net charge-offs to loans | 0.0349% | 2,491 |
| Credit loss provision to net charge-offs | 620.6897% | 552 |
| Earnings coverage of net charge-offs (x) | 81.2759% | 757 |
| Efficiency ratio | 48.5371% | 5,376 |
| Assets per employee ($millions) | 7.3333% | 806 |
| Cash dividends to net income (ytd only)* | 90.5697% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.3661% | 2,309 |
| Net loans and leases to deposits | 83.3644% | 2,559 |
| Net loans and leases to core deposits | 97.4045% | 1,858 |
| Total domestic deposits to total assets | 85.6074% | 2,566 |
| Equity capital to assets | 12.8219% | 1,461 |
| Core capital (leverage) ratio | 12.6641% | 1,310 |
| Tier 1 risk-based capital ratio | 16.1922% | 2,433 |
| Total risk-based capital ratio | 17.4448% | 2,371 |
| Memoranda: | ||
| Average total assets | $249,046,670 | 2,526 |
| Average earning assets | $230,832,670 | 2,518 |
| Average equity | $30,528,670 | 2,337 |
| Average total loans | $166,313,000 | 2,482 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1663% | 2,398 |
| Cost of funding earning assets | 0.7586% | 622 |
| Net interest margin | 3.4077% | 3,630 |
| Noninterest income to average assets | 0.2676% | 4,632 |
| Noninterest expense to average assets | 1.7326% | 5,447 |
| Loan and lease loss provision to assets | 0.1425% | 1,317 |
| Net operating income to assets | 1.4934% | 821 |
| Return on assets (ROA) | 1.4934% | 848 |
| Pretax return on assets | 1.5584% | 1,346 |
| Return on Equity (ROE) | 12.4577% | 1,122 |
| Retained earnings to average equity (ytd only) | -1.8231% | 5,153 |
| Net charge-offs to loans | -0.0346% | 5,002 |
| Credit loss provision to net charge-offs | -642.8571% | 4,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4613% | 5,351 |
| Assets per employee ($millions) | 7.4632% | 769 |
| Cash dividends to net income (ytd only)* | 114.6341% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,112 |
| Loan loss allowance to noncurrent loans | 7,334.2105% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 5,288 |
| Noncurrent loans to loans | 0.0234% | 5,129 |
| Net loans and leases to total assets | 64.7892% | 3,145 |
| Net loans and leases to deposits | 75.1564% | 3,285 |
| Net loans and leases to core deposits | 87.4516% | 2,595 |
| Total domestic deposits to total assets | 86.2058% | 2,576 |
| Equity capital to assets | 12.3349% | 1,641 |
| Core capital (leverage) ratio | 12.2164% | 1,494 |
| Tier 1 risk-based capital ratio | 17.2833% | 2,101 |
| Total risk-based capital ratio | 18.5370% | 2,045 |
| Memoranda: | ||
| Average total assets | $252,570,000 | 2,522 |
| Average earning assets | $234,643,000 | 2,514 |
| Average equity | $30,278,500 | 2,356 |
| Average total loans | $161,700,000 | 2,555 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 1,868 |
| Cost of funding earning assets | 0.6722% | 943 |
| Net interest margin | 3.7126% | 2,634 |
| Noninterest income to average assets | 0.3042% | 4,567 |
| Noninterest expense to average assets | 1.8319% | 5,445 |
| Loan and lease loss provision to assets | 0.0906% | 2,545 |
| Net operating income to assets | 1.7516% | 489 |
| Return on assets (ROA) | 1.9044% | 390 |
| Pretax return on assets | 1.9836% | 520 |
| Return on Equity (ROE) | 16.4840% | 461 |
| Retained earnings to average equity (ytd only) | 8.5643% | 679 |
| Net charge-offs to loans | -0.0183% | 5,102 |
| Credit loss provision to net charge-offs | -741.9355% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8905% | 5,536 |
| Assets per employee ($millions) | 7.8441% | 648 |
| Cash dividends to net income (ytd only)* | 48.0447% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6654% | 1,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 61.1790% | 3,703 |
| Net loans and leases to deposits | 70.5340% | 3,853 |
| Net loans and leases to core deposits | 81.0939% | 3,303 |
| Total domestic deposits to total assets | 86.7370% | 2,269 |
| Equity capital to assets | 11.6583% | 2,035 |
| Core capital (leverage) ratio | 11.9268% | 1,645 |
| Tier 1 risk-based capital ratio | 17.3626% | 2,039 |
| Total risk-based capital ratio | 18.6156% | 2,000 |
| Memoranda: | ||
| Average total assets | $253,779,600 | 2,475 |
| Average earning assets | $235,331,000 | 2,479 |
| Average equity | $29,319,400 | 2,422 |
| Average total loans | $169,398,000 | 2,420 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4016% | 1,855 |
| Cost of funding earning assets | 0.6588% | 1,011 |
| Net interest margin | 3.7429% | 2,543 |
| Noninterest income to average assets | 0.2946% | 4,660 |
| Noninterest expense to average assets | 1.8665% | 5,437 |
| Loan and lease loss provision to assets | 0.0739% | 2,743 |
| Net operating income to assets | 1.7494% | 540 |
| Return on assets (ROA) | 1.9542% | 385 |
| Pretax return on assets | 2.0355% | 529 |
| Return on Equity (ROE) | 16.9544% | 451 |
| Retained earnings to average equity (ytd only) | 6.3173% | 2,000 |
| Net charge-offs to loans | -0.0225% | 5,051 |
| Credit loss provision to net charge-offs | -482.7586% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6071% | 5,529 |
| Assets per employee ($millions) | 7.1515% | 838 |
| Cash dividends to net income (ytd only)* | 62.7398% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.9083% | 1,880 |
| Net loans and leases to deposits | 87.2498% | 2,112 |
| Net loans and leases to core deposits | 101.9273% | 1,489 |
| Total domestic deposits to total assets | 84.7088% | 2,940 |
| Equity capital to assets | 12.7378% | 1,631 |
| Core capital (leverage) ratio | 12.1859% | 1,554 |
| Tier 1 risk-based capital ratio | 15.2534% | 2,934 |
| Total risk-based capital ratio | 16.5044% | 2,866 |
| Memoranda: | ||
| Average total assets | $252,510,750 | 2,491 |
| Average earning assets | $233,967,500 | 2,490 |
| Average equity | $29,104,750 | 2,448 |
| Average total loans | $171,485,750 | 2,397 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 2,218 |
| Cost of funding earning assets | 0.6379% | 1,100 |
| Net interest margin | 3.6419% | 2,930 |
| Noninterest income to average assets | 0.2698% | 4,851 |
| Noninterest expense to average assets | 1.8138% | 5,578 |
| Loan and lease loss provision to assets | 0.0543% | 3,066 |
| Net operating income to assets | 1.7193% | 563 |
| Return on assets (ROA) | 1.7193% | 592 |
| Pretax return on assets | 1.7914% | 898 |
| Return on Equity (ROE) | 15.4103% | 623 |
| Retained earnings to average equity (ytd only) | 1.7786% | 4,664 |
| Net charge-offs to loans | -0.0365% | 5,228 |
| Credit loss provision to net charge-offs | -225.8065% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5658% | 5,588 |
| Assets per employee ($millions) | 7.6232% | 665 |
| Cash dividends to net income (ytd only)* | 88.4581% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 2,242 |
| Loan loss allowance to noncurrent loans | 1,692.6174% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,321 |
| Noncurrent loans to loans | 0.0834% | 5,119 |
| Net loans and leases to total assets | 70.0533% | 2,474 |
| Net loans and leases to deposits | 86.2039% | 2,225 |
| Net loans and leases to core deposits | 100.4125% | 1,599 |
| Total domestic deposits to total assets | 81.2646% | 4,197 |
| Equity capital to assets | 11.6911% | 2,364 |
| Core capital (leverage) ratio | 11.4072% | 2,058 |
| Tier 1 risk-based capital ratio | 14.4500% | 3,347 |
| Total risk-based capital ratio | 15.7002% | 3,275 |
| Memoranda: | ||
| Average total assets | $258,015,000 | 2,468 |
| Average earning assets | $240,150,000 | 2,452 |
| Average equity | $28,786,000 | 2,471 |
| Average total loans | $169,643,670 | 2,423 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 2,652 |
| Cost of funding earning assets | 0.6268% | 1,171 |
| Net interest margin | 3.5230% | 3,377 |
| Noninterest income to average assets | 0.2649% | 4,838 |
| Noninterest expense to average assets | 1.8144% | 5,635 |
| Loan and lease loss provision to assets | 0.0459% | 3,001 |
| Net operating income to assets | 1.6230% | 670 |
| Return on assets (ROA) | 1.6230% | 711 |
| Pretax return on assets | 1.6919% | 1,084 |
| Return on Equity (ROE) | 14.8910% | 688 |
| Retained earnings to average equity (ytd only) | -0.3231% | 5,168 |
| Net charge-offs to loans | -0.0678% | 5,475 |
| Credit loss provision to net charge-offs | -107.1429% | 4,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0776% | 5,562 |
| Assets per employee ($millions) | 7.5235% | 696 |
| Cash dividends to net income (ytd only)* | 102.1698% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 2,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 66.1644% | 2,925 |
| Net loans and leases to deposits | 76.0135% | 3,221 |
| Net loans and leases to core deposits | 86.3075% | 2,722 |
| Total domestic deposits to total assets | 87.0429% | 2,194 |
| Equity capital to assets | 11.5594% | 2,387 |
| Core capital (leverage) ratio | 10.9922% | 2,411 |
| Tier 1 risk-based capital ratio | 15.3814% | 2,977 |
| Total risk-based capital ratio | 16.6326% | 2,916 |
| Memoranda: | ||
| Average total assets | $261,239,000 | 2,454 |
| Average earning assets | $243,767,500 | 2,435 |
| Average equity | $28,473,500 | 2,483 |
| Average total loans | $165,089,000 | 2,466 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1398% | 2,775 |
| Cost of funding earning assets | 0.6423% | 1,114 |
| Net interest margin | 3.4975% | 3,530 |
| Noninterest income to average assets | 0.2786% | 4,889 |
| Noninterest expense to average assets | 1.8104% | 5,720 |
| Loan and lease loss provision to assets | 0.0153% | 4,105 |
| Net operating income to assets | 1.6469% | 636 |
| Return on assets (ROA) | 1.7436% | 554 |
| Pretax return on assets | 1.8161% | 783 |
| Return on Equity (ROE) | 16.9530% | 458 |
| Retained earnings to average equity (ytd only) | 9.4060% | 556 |
| Net charge-offs to loans | 0.0276% | 3,679 |
| Credit loss provision to net charge-offs | 88.8889% | 2,777 |
| Earnings coverage of net charge-offs (x) | 100.7778% | 569 |
| Efficiency ratio | 51.1262% | 5,693 |
| Assets per employee ($millions) | 8.3092% | 493 |
| Cash dividends to net income (ytd only)* | 44.5174% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 2,098 |
| Loan loss allowance to noncurrent loans | 80,700.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,740 |
| Noncurrent loans to loans | 0.0018% | 5,565 |
| Net loans and leases to total assets | 58.7187% | 3,997 |
| Net loans and leases to deposits | 66.5041% | 4,269 |
| Net loans and leases to core deposits | 75.2122% | 3,829 |
| Total domestic deposits to total assets | 88.2934% | 1,477 |
| Equity capital to assets | 10.3018% | 3,621 |
| Core capital (leverage) ratio | 10.5026% | 2,924 |
| Tier 1 risk-based capital ratio | 15.6326% | 2,865 |
| Total risk-based capital ratio | 16.8835% | 2,798 |
| Memoranda: | ||
| Average total assets | $262,045,200 | 2,408 |
| Average earning assets | $244,432,600 | 2,386 |
| Average equity | $26,951,000 | 2,555 |
| Average total loans | $163,236,800 | 2,422 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 2,652 |
| Cost of funding earning assets | 0.6507% | 1,088 |
| Net interest margin | 3.5279% | 3,436 |
| Noninterest income to average assets | 0.2908% | 4,865 |
| Noninterest expense to average assets | 1.7971% | 5,779 |
| Loan and lease loss provision to assets | 0.0051% | 4,162 |
| Net operating income to assets | 1.7078% | 613 |
| Return on assets (ROA) | 1.8388% | 499 |
| Pretax return on assets | 1.9155% | 700 |
| Return on Equity (ROE) | 17.8863% | 407 |
| Retained earnings to average equity (ytd only) | 7.7014% | 1,373 |
| Net charge-offs to loans | 0.0564% | 2,795 |
| Credit loss provision to net charge-offs | 14.4928% | 3,413 |
| Earnings coverage of net charge-offs (x) | 50.2307% | 1,049 |
| Efficiency ratio | 50.1797% | 5,768 |
| Assets per employee ($millions) | 7.3977% | 721 |
| Cash dividends to net income (ytd only)* | 56.9428% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.4223% | 2,324 |
| Net loans and leases to deposits | 81.5364% | 2,700 |
| Net loans and leases to core deposits | 93.6398% | 2,109 |
| Total domestic deposits to total assets | 86.3692% | 2,354 |
| Equity capital to assets | 11.3156% | 2,687 |
| Core capital (leverage) ratio | 11.1202% | 2,377 |
| Tier 1 risk-based capital ratio | 14.1534% | 3,759 |
| Total risk-based capital ratio | 15.3903% | 3,706 |
| Memoranda: | ||
| Average total assets | $259,005,500 | 2,451 |
| Average earning assets | $241,574,500 | 2,425 |
| Average equity | $26,626,750 | 2,594 |
| Average total loans | $163,188,500 | 2,441 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,315 |
| Cost of funding earning assets | 0.6386% | 1,176 |
| Net interest margin | 3.3564% | 4,076 |
| Noninterest income to average assets | 0.2864% | 4,912 |
| Noninterest expense to average assets | 1.6745% | 5,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6832% | 642 |
| Return on assets (ROA) | 1.8760% | 464 |
| Pretax return on assets | 1.9548% | 652 |
| Return on Equity (ROE) | 18.8330% | 349 |
| Retained earnings to average equity (ytd only) | 4.2443% | 3,331 |
| Net charge-offs to loans | 0.0213% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 136.1765% | 466 |
| Efficiency ratio | 48.8398% | 5,912 |
| Assets per employee ($millions) | 7.3974% | 700 |
| Cash dividends to net income (ytd only)* | 77.4637% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 2,650 |
| Loan loss allowance to noncurrent loans | 8,922.2222% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,852 |
| Noncurrent loans to loans | 0.0159% | 5,702 |
| Net loans and leases to total assets | 68.3667% | 2,592 |
| Net loans and leases to deposits | 77.7808% | 3,059 |
| Net loans and leases to core deposits | 89.2872% | 2,420 |
| Total domestic deposits to total assets | 87.8966% | 1,700 |
| Equity capital to assets | 10.7635% | 3,149 |
| Core capital (leverage) ratio | 10.4392% | 3,036 |
| Tier 1 risk-based capital ratio | 14.1579% | 3,840 |
| Total risk-based capital ratio | 15.4081% | 3,766 |
| Memoranda: | ||
| Average total assets | $263,966,330 | 2,423 |
| Average earning assets | $247,113,670 | 2,397 |
| Average equity | $26,294,330 | 2,635 |
| Average total loans | $159,490,000 | 2,486 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 4,047 |
| Cost of funding earning assets | 0.6182% | 1,317 |
| Net interest margin | 3.1732% | 4,701 |
| Noninterest income to average assets | 0.3008% | 4,766 |
| Noninterest expense to average assets | 1.7248% | 5,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4955% | 855 |
| Return on assets (ROA) | 1.4955% | 910 |
| Pretax return on assets | 1.5597% | 1,367 |
| Return on Equity (ROE) | 15.5718% | 621 |
| Retained earnings to average equity (ytd only) | 2.4331% | 4,479 |
| Net charge-offs to loans | -0.0104% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5122% | 5,783 |
| Assets per employee ($millions) | 7.7607% | 602 |
| Cash dividends to net income (ytd only)* | 84.3750% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 2,170 |
| Loan loss allowance to noncurrent loans | 30,375.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 5,959 |
| Noncurrent loans to loans | 0.0052% | 5,794 |
| Net loans and leases to total assets | 59.6223% | 3,709 |
| Net loans and leases to deposits | 67.4256% | 4,009 |
| Net loans and leases to core deposits | 76.9030% | 3,502 |
| Total domestic deposits to total assets | 88.4269% | 1,585 |
| Equity capital to assets | 10.3611% | 3,704 |
| Core capital (leverage) ratio | 9.8058% | 3,882 |
| Tier 1 risk-based capital ratio | 14.9421% | 3,462 |
| Total risk-based capital ratio | 16.1937% | 3,392 |
| Memoranda: | ||
| Average total assets | $273,893,000 | 2,359 |
| Average earning assets | $257,535,000 | 2,329 |
| Average equity | $26,304,000 | 2,646 |
| Average total loans | $154,584,500 | 2,558 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2677% | 2,714 |
| Cost of funding earning assets | 0.7117% | 1,040 |
| Net interest margin | 3.5560% | 3,574 |
| Noninterest income to average assets | 0.3267% | 4,778 |
| Noninterest expense to average assets | 2.0014% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5548% | 789 |
| Return on assets (ROA) | 1.5548% | 818 |
| Pretax return on assets | 1.6185% | 1,184 |
| Return on Equity (ROE) | 15.8261% | 641 |
| Retained earnings to average equity (ytd only) | 10.4082% | 457 |
| Net charge-offs to loans | -0.0048% | 5,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2901% | 5,739 |
| Assets per employee ($millions) | 8.8389% | 372 |
| Cash dividends to net income (ytd only)* | 34.2340% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 2,176 |
| Loan loss allowance to noncurrent loans | 80,866.6667% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,098 |
| Noncurrent loans to loans | 0.0019% | 5,930 |
| Net loans and leases to total assets | 51.9806% | 4,785 |
| Net loans and leases to deposits | 57.8740% | 5,071 |
| Net loans and leases to core deposits | 65.3651% | 4,718 |
| Total domestic deposits to total assets | 89.8167% | 817 |
| Equity capital to assets | 8.9388% | 5,349 |
| Core capital (leverage) ratio | 9.1234% | 4,789 |
| Tier 1 risk-based capital ratio | 14.8527% | 3,570 |
| Total risk-based capital ratio | 16.1048% | 3,504 |
| Memoranda: | ||
| Average total assets | $245,172,600 | 2,571 |
| Average earning assets | $227,053,800 | 2,552 |
| Average equity | $24,086,800 | 2,751 |
| Average total loans | $147,229,200 | 2,611 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,903 |
| Cost of funding earning assets | 0.7431% | 925 |
| Net interest margin | 3.7478% | 2,829 |
| Noninterest income to average assets | 0.3089% | 4,971 |
| Noninterest expense to average assets | 2.0701% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6225% | 713 |
| Return on assets (ROA) | 1.6225% | 742 |
| Pretax return on assets | 1.6881% | 1,090 |
| Return on Equity (ROE) | 16.0627% | 669 |
| Retained earnings to average equity (ytd only) | 9.9078% | 739 |
| Net charge-offs to loans | 0.0009% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2,964.3383% | 16 |
| Efficiency ratio | 55.0813% | 5,737 |
| Assets per employee ($millions) | 7.3957% | 670 |
| Cash dividends to net income (ytd only)* | 38.3180% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 2,218 |
| Loan loss allowance to noncurrent loans | 80,600.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 6,212 |
| Noncurrent loans to loans | 0.0020% | 6,049 |
| Net loans and leases to total assets | 60.0312% | 3,781 |
| Net loans and leases to deposits | 67.8546% | 4,143 |
| Net loans and leases to core deposits | 79.1357% | 3,421 |
| Total domestic deposits to total assets | 88.4704% | 1,516 |
| Equity capital to assets | 10.2402% | 3,873 |
| Core capital (leverage) ratio | 10.2929% | 3,303 |
| Tier 1 risk-based capital ratio | 14.6222% | 3,804 |
| Total risk-based capital ratio | 15.8748% | 3,747 |
| Memoranda: | ||
| Average total assets | $233,544,750 | 2,684 |
| Average earning assets | $214,945,500 | 2,678 |
| Average equity | $23,590,250 | 2,800 |
| Average total loans | $145,525,250 | 2,643 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 1,963 |
| Cost of funding earning assets | 0.7415% | 959 |
| Net interest margin | 3.7179% | 2,889 |
| Noninterest income to average assets | 0.2982% | 5,027 |
| Noninterest expense to average assets | 2.1483% | 5,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5197% | 837 |
| Return on assets (ROA) | 1.5197% | 871 |
| Pretax return on assets | 1.5806% | 1,307 |
| Return on Equity (ROE) | 15.1191% | 776 |
| Retained earnings to average equity (ytd only) | 7.5682% | 1,491 |
| Net charge-offs to loans | -0.0111% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6125% | 5,596 |
| Assets per employee ($millions) | 7.2392% | 714 |
| Cash dividends to net income (ytd only)* | 49.9428% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 2,504 |
| Loan loss allowance to noncurrent loans | 22,063.6364% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 6,255 |
| Noncurrent loans to loans | 0.0072% | 6,075 |
| Net loans and leases to total assets | 62.9112% | 3,253 |
| Net loans and leases to deposits | 70.9449% | 3,705 |
| Net loans and leases to core deposits | 83.0089% | 2,854 |
| Total domestic deposits to total assets | 88.6761% | 1,552 |
| Equity capital to assets | 10.1237% | 3,942 |
| Core capital (leverage) ratio | 10.0370% | 3,561 |
| Tier 1 risk-based capital ratio | 14.0016% | 4,258 |
| Total risk-based capital ratio | 15.2540% | 4,195 |
| Memoranda: | ||
| Average total assets | $230,040,330 | 2,729 |
| Average earning assets | $212,267,670 | 2,716 |
| Average equity | $23,123,000 | 2,835 |
| Average total loans | $144,390,670 | 2,665 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 2,038 |
| Cost of funding earning assets | 0.7318% | 1,065 |
| Net interest margin | 3.6938% | 2,885 |
| Noninterest income to average assets | 0.3227% | 4,785 |
| Noninterest expense to average assets | 2.1754% | 5,525 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4964% | 825 |
| Return on assets (ROA) | 1.4964% | 852 |
| Pretax return on assets | 1.5566% | 1,270 |
| Return on Equity (ROE) | 14.9433% | 780 |
| Retained earnings to average equity (ytd only) | 3.3109% | 4,139 |
| Net charge-offs to loans | -0.0228% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2898% | 5,619 |
| Assets per employee ($millions) | 6.8684% | 853 |
| Cash dividends to net income (ytd only)* | 77.8436% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 2,252 |
| Loan loss allowance to noncurrent loans | 80,900.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,350 |
| Noncurrent loans to loans | 0.0021% | 6,193 |
| Net loans and leases to total assets | 60.8642% | 3,419 |
| Net loans and leases to deposits | 68.6350% | 3,779 |
| Net loans and leases to core deposits | 81.0316% | 2,848 |
| Total domestic deposits to total assets | 88.6780% | 1,850 |
| Equity capital to assets | 10.1087% | 3,713 |
| Core capital (leverage) ratio | 10.2983% | 3,175 |
| Tier 1 risk-based capital ratio | 14.7379% | 3,863 |
| Total risk-based capital ratio | 15.9919% | 3,812 |
| Memoranda: | ||
| Average total assets | $225,613,500 | 2,773 |
| Average earning assets | $208,243,000 | 2,765 |
| Average equity | $22,592,000 | 2,882 |
| Average total loans | $140,227,000 | 2,732 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,433 |
| Cost of funding earning assets | 0.8529% | 941 |
| Net interest margin | 3.9009% | 2,282 |
| Noninterest income to average assets | 0.4391% | 4,171 |
| Noninterest expense to average assets | 2.1537% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7769% | 504 |
| Return on assets (ROA) | 1.7769% | 520 |
| Pretax return on assets | 1.8490% | 680 |
| Return on Equity (ROE) | 16.0980% | 611 |
| Retained earnings to average equity (ytd only) | 5.8456% | 2,071 |
| Net charge-offs to loans | -0.5211% | 6,726 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5622% | 6,243 |
| Assets per employee ($millions) | 6.2381% | 1,117 |
| Cash dividends to net income (ytd only)* | 63.6873% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 2,314 |
| Loan loss allowance to noncurrent loans | 60,500.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,450 |
| Noncurrent loans to loans | 0.0029% | 6,305 |
| Net loans and leases to total assets | 61.2967% | 3,483 |
| Net loans and leases to deposits | 69.0261% | 3,904 |
| Net loans and leases to core deposits | 78.4935% | 3,301 |
| Total domestic deposits to total assets | 88.8022% | 1,752 |
| Equity capital to assets | 9.9176% | 3,876 |
| Core capital (leverage) ratio | 9.9824% | 3,601 |
| Tier 1 risk-based capital ratio | 14.5808% | 3,916 |
| Total risk-based capital ratio | 15.8348% | 3,847 |
| Memoranda: | ||
| Average total assets | $200,860,200 | 3,026 |
| Average earning assets | $183,494,400 | 3,033 |
| Average equity | $22,170,400 | 2,909 |
| Average total loans | $124,358,000 | 2,953 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 1,338 |
| Cost of funding earning assets | 0.8851% | 881 |
| Net interest margin | 3.9182% | 2,202 |
| Noninterest income to average assets | 0.4172% | 4,391 |
| Noninterest expense to average assets | 2.0868% | 5,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8173% | 503 |
| Return on assets (ROA) | 1.8173% | 522 |
| Pretax return on assets | 1.8912% | 722 |
| Return on Equity (ROE) | 15.9972% | 650 |
| Retained earnings to average equity (ytd only) | 3.6125% | 4,121 |
| Net charge-offs to loans | -0.7052% | 6,809 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3067% | 6,312 |
| Assets per employee ($millions) | 5.9379% | 1,278 |
| Cash dividends to net income (ytd only)* | 77.4182% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 2,591 |
| Loan loss allowance to noncurrent loans | 48,160.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,525 |
| Noncurrent loans to loans | 0.0036% | 6,382 |
| Net loans and leases to total assets | 64.6621% | 2,888 |
| Net loans and leases to deposits | 73.7149% | 3,283 |
| Net loans and leases to core deposits | 86.5578% | 2,337 |
| Total domestic deposits to total assets | 87.7192% | 2,288 |
| Equity capital to assets | 10.3006% | 3,512 |
| Core capital (leverage) ratio | 10.2226% | 3,371 |
| Tier 1 risk-based capital ratio | 13.6998% | 4,629 |
| Total risk-based capital ratio | 14.9531% | 4,583 |
| Memoranda: | ||
| Average total assets | $194,932,750 | 3,115 |
| Average earning assets | $177,149,500 | 3,143 |
| Average equity | $22,145,000 | 2,948 |
| Average total loans | $120,429,000 | 3,052 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,597 |
| Cost of funding earning assets | 0.9000% | 899 |
| Net interest margin | 3.7889% | 2,599 |
| Noninterest income to average assets | 0.3350% | 5,004 |
| Noninterest expense to average assets | 1.8393% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8860% | 433 |
| Return on assets (ROA) | 1.8860% | 469 |
| Pretax return on assets | 1.9634% | 647 |
| Return on Equity (ROE) | 16.0364% | 662 |
| Retained earnings to average equity (ytd only) | 5.0750% | 2,999 |
| Net charge-offs to loans | -1.1188% | 6,874 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3934% | 6,574 |
| Assets per employee ($millions) | 5.8132% | 1,344 |
| Cash dividends to net income (ytd only)* | 68.3530% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 2,516 |
| Loan loss allowance to noncurrent loans | 30,087.5000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,563 |
| Noncurrent loans to loans | 0.0059% | 6,428 |
| Net loans and leases to total assets | 63.7047% | 2,966 |
| Net loans and leases to deposits | 71.9137% | 3,458 |
| Net loans and leases to core deposits | 84.8262% | 2,446 |
| Total domestic deposits to total assets | 88.5849% | 1,862 |
| Equity capital to assets | 10.2349% | 3,617 |
| Core capital (leverage) ratio | 10.2388% | 3,175 |
| Tier 1 risk-based capital ratio | 14.0484% | 4,384 |
| Total risk-based capital ratio | 15.3025% | 4,344 |
| Memoranda: | ||
| Average total assets | $188,655,330 | 3,216 |
| Average earning assets | $172,660,670 | 3,218 |
| Average equity | $22,187,000 | 2,963 |
| Average total loans | $113,694,330 | 3,199 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0906% | 3,763 |
| Cost of funding earning assets | 0.9058% | 960 |
| Net interest margin | 3.1848% | 4,975 |
| Noninterest income to average assets | 0.2871% | 5,406 |
| Noninterest expense to average assets | 1.7046% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4578% | 941 |
| Return on assets (ROA) | 1.4578% | 1,018 |
| Pretax return on assets | 1.5162% | 1,523 |
| Return on Equity (ROE) | 11.5192% | 1,550 |
| Retained earnings to average equity (ytd only) | 3.0482% | 4,451 |
| Net charge-offs to loans | -0.1597% | 6,621 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9248% | 6,315 |
| Assets per employee ($millions) | 7.7259% | 552 |
| Cash dividends to net income (ytd only)* | 73.5385% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,809 |
| Loan loss allowance to noncurrent loans | 22,650.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,625 |
| Noncurrent loans to loans | 0.0077% | 6,486 |
| Net loans and leases to total assets | 57.2785% | 3,871 |
| Net loans and leases to deposits | 66.6909% | 3,954 |
| Net loans and leases to core deposits | 79.1368% | 2,910 |
| Total domestic deposits to total assets | 85.8865% | 3,591 |
| Equity capital to assets | 12.7117% | 1,584 |
| Core capital (leverage) ratio | 12.4815% | 1,346 |
| Tier 1 risk-based capital ratio | 18.6448% | 2,143 |
| Total risk-based capital ratio | 19.8980% | 2,113 |
| Memoranda: | ||
| Average total assets | $178,345,500 | 3,364 |
| Average earning assets | $164,279,000 | 3,368 |
| Average equity | $22,571,000 | 2,974 |
| Average total loans | $102,679,000 | 3,447 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 1,510 |
| Cost of funding earning assets | 1.0625% | 1,063 |
| Net interest margin | 3.9555% | 2,582 |
| Noninterest income to average assets | 0.3198% | 5,172 |
| Noninterest expense to average assets | 1.9812% | 6,364 |
| Loan and lease loss provision to assets | 0.0660% | 4,930 |
| Net operating income to assets | 1.8166% | 497 |
| Return on assets (ROA) | 2.5476% | 160 |
| Pretax return on assets | 2.6526% | 207 |
| Return on Equity (ROE) | 19.1840% | 348 |
| Retained earnings to average equity (ytd only) | 8.4760% | 972 |
| Net charge-offs to loans | 0.1543% | 4,159 |
| Credit loss provision to net charge-offs | 65.0888% | 4,317 |
| Earnings coverage of net charge-offs (x) | 19.3018% | 1,391 |
| Efficiency ratio | 50.3047% | 6,574 |
| Assets per employee ($millions) | 7.7824% | 557 |
| Cash dividends to net income (ytd only)* | 55.8172% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 2,786 |
| Loan loss allowance to noncurrent loans | 16,100.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,681 |
| Noncurrent loans to loans | 0.0108% | 6,532 |
| Net loans and leases to total assets | 55.8638% | 4,317 |
| Net loans and leases to deposits | 65.0325% | 4,419 |
| Net loans and leases to core deposits | 77.0584% | 3,394 |
| Total domestic deposits to total assets | 85.9014% | 3,401 |
| Equity capital to assets | 12.6003% | 1,638 |
| Core capital (leverage) ratio | 12.3845% | 1,366 |
| Tier 1 risk-based capital ratio | 18.9100% | 1,983 |
| Total risk-based capital ratio | 20.1634% | 1,950 |
| Memoranda: | ||
| Average total assets | $166,668,600 | 3,509 |
| Average earning assets | $152,470,000 | 3,503 |
| Average equity | $22,133,000 | 2,955 |
| Average total loans | $109,543,800 | 3,306 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2421% | 1,110 |
| Cost of funding earning assets | 1.1014% | 1,061 |
| Net interest margin | 4.1407% | 1,939 |
| Noninterest income to average assets | 0.3236% | 5,194 |
| Noninterest expense to average assets | 2.1427% | 6,079 |
| Loan and lease loss provision to assets | 0.0734% | 4,748 |
| Net operating income to assets | 1.8141% | 548 |
| Return on assets (ROA) | 2.8070% | 132 |
| Pretax return on assets | 2.9227% | 168 |
| Return on Equity (ROE) | 20.8459% | 287 |
| Retained earnings to average equity (ytd only) | 8.0563% | 1,597 |
| Net charge-offs to loans | 0.2990% | 2,945 |
| Credit loss provision to net charge-offs | 36.0000% | 4,702 |
| Earnings coverage of net charge-offs (x) | 9.6278% | 2,295 |
| Efficiency ratio | 52.2041% | 6,435 |
| Assets per employee ($millions) | 7.1585% | 691 |
| Cash dividends to net income (ytd only)* | 61.3530% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,746 |
| Loan loss allowance to noncurrent loans | 15,181.8182% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 6,206 |
| Noncurrent loans to loans | 0.0102% | 6,640 |
| Net loans and leases to total assets | 64.5923% | 2,910 |
| Net loans and leases to deposits | 76.1953% | 2,952 |
| Net loans and leases to core deposits | 92.0029% | 1,778 |
| Total domestic deposits to total assets | 84.7721% | 3,849 |
| Equity capital to assets | 13.5765% | 1,318 |
| Core capital (leverage) ratio | 13.0414% | 1,180 |
| Tier 1 risk-based capital ratio | 17.5645% | 2,514 |
| Total risk-based capital ratio | 18.8161% | 2,480 |
| Memoranda: | ||
| Average total assets | $163,586,750 | 3,587 |
| Average earning assets | $149,375,250 | 3,600 |
| Average equity | $22,027,750 | 2,990 |
| Average total loans | $111,488,500 | 3,290 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 1,240 |
| Cost of funding earning assets | 1.1158% | 1,145 |
| Net interest margin | 4.0877% | 2,139 |
| Noninterest income to average assets | 0.3026% | 5,389 |
| Noninterest expense to average assets | 2.2054% | 5,995 |
| Loan and lease loss provision to assets | 0.0735% | 4,707 |
| Net operating income to assets | 1.7138% | 653 |
| Return on assets (ROA) | 3.2064% | 92 |
| Pretax return on assets | 3.3400% | 124 |
| Return on Equity (ROE) | 23.8785% | 183 |
| Retained earnings to average equity (ytd only) | 10.2558% | 900 |
| Net charge-offs to loans | -0.0036% | 6,130 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2659% | 6,295 |
| Assets per employee ($millions) | 7.0194% | 721 |
| Cash dividends to net income (ytd only)* | 57.0501% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 3,585 |
| Loan loss allowance to noncurrent loans | 717.0455% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 5,872 |
| Noncurrent loans to loans | 0.2238% | 6,131 |
| Net loans and leases to total assets | 71.8866% | 1,578 |
| Net loans and leases to deposits | 84.8886% | 1,734 |
| Net loans and leases to core deposits | 103.1718% | 909 |
| Total domestic deposits to total assets | 84.6834% | 4,009 |
| Equity capital to assets | 13.6169% | 1,257 |
| Core capital (leverage) ratio | 13.0206% | 1,144 |
| Tier 1 risk-based capital ratio | 16.6163% | 2,853 |
| Total risk-based capital ratio | 17.8693% | 2,807 |
| Memoranda: | ||
| Average total assets | $163,234,000 | 3,612 |
| Average earning assets | $150,206,000 | 3,599 |
| Average equity | $21,919,330 | 2,990 |
| Average total loans | $112,645,330 | 3,278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 1,450 |
| Cost of funding earning assets | 1.1208% | 1,294 |
| Net interest margin | 4.0234% | 2,407 |
| Noninterest income to average assets | 0.2754% | 5,668 |
| Noninterest expense to average assets | 2.1300% | 6,198 |
| Loan and lease loss provision to assets | 0.0731% | 4,486 |
| Net operating income to assets | 1.7103% | 702 |
| Return on assets (ROA) | 1.6962% | 802 |
| Pretax return on assets | 1.7669% | 1,159 |
| Return on Equity (ROE) | 12.7199% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.1720% | 3,460 |
| Net charge-offs to loans | 0.0145% | 4,492 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 190.2500% | 189 |
| Efficiency ratio | 53.4557% | 6,396 |
| Assets per employee ($millions) | 6.8140% | 835 |
| Cash dividends to net income (ytd only)* | 59.3391% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 3,473 |
| Loan loss allowance to noncurrent loans | 719.7674% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 5,895 |
| Noncurrent loans to loans | 0.2318% | 6,229 |
| Net loans and leases to total assets | 66.9235% | 2,304 |
| Net loans and leases to deposits | 78.7809% | 2,372 |
| Net loans and leases to core deposits | 95.4135% | 1,339 |
| Total domestic deposits to total assets | 84.9489% | 4,069 |
| Equity capital to assets | 13.5334% | 1,225 |
| Core capital (leverage) ratio | 12.4330% | 1,368 |
| Tier 1 risk-based capital ratio | 16.4279% | 2,948 |
| Total risk-based capital ratio | 17.6808% | 2,904 |
| Memoranda: | ||
| Average total assets | $164,128,000 | 3,616 |
| Average earning assets | $151,314,000 | 3,587 |
| Average equity | $21,887,000 | 2,987 |
| Average total loans | $109,992,500 | 3,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 1,315 |
| Cost of funding earning assets | 1.2754% | 1,591 |
| Net interest margin | 4.1692% | 2,160 |
| Noninterest income to average assets | 0.3536% | 4,972 |
| Noninterest expense to average assets | 2.0539% | 6,576 |
| Loan and lease loss provision to assets | 0.2188% | 4,002 |
| Net operating income to assets | 1.8238% | 440 |
| Return on assets (ROA) | 1.8238% | 473 |
| Pretax return on assets | 1.9071% | 652 |
| Return on Equity (ROE) | 15.0254% | 739 |
| Retained earnings to average equity (ytd only) | 5.0562% | 2,599 |
| Net charge-offs to loans | 0.3236% | 3,772 |
| Credit loss provision to net charge-offs | 99.1848% | 3,610 |
| Earnings coverage of net charge-offs (x) | 9.6386% | 1,953 |
| Efficiency ratio | 49.1397% | 6,886 |
| Assets per employee ($millions) | 6.8633% | 787 |
| Cash dividends to net income (ytd only)* | 66.3490% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 3,262 |
| Loan loss allowance to noncurrent loans | 651.2456% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 6,525 |
| Noncurrent loans to loans | 0.2585% | 6,210 |
| Net loans and leases to total assets | 64.8701% | 3,011 |
| Net loans and leases to deposits | 76.0148% | 3,179 |
| Net loans and leases to core deposits | 91.6337% | 1,928 |
| Total domestic deposits to total assets | 85.3388% | 3,671 |
| Equity capital to assets | 13.1387% | 1,424 |
| Core capital (leverage) ratio | 11.9534% | 1,621 |
| Tier 1 risk-based capital ratio | 16.5021% | 2,820 |
| Total risk-based capital ratio | 17.7553% | 2,784 |
| Memoranda: | ||
| Average total assets | $166,853,800 | 3,540 |
| Average earning assets | $153,124,000 | 3,528 |
| Average equity | $20,252,400 | 3,098 |
| Average total loans | $113,715,400 | 3,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 1,336 |
| Cost of funding earning assets | 1.3167% | 1,609 |
| Net interest margin | 4.1532% | 2,267 |
| Noninterest income to average assets | 0.3561% | 5,012 |
| Noninterest expense to average assets | 2.0479% | 6,599 |
| Loan and lease loss provision to assets | 0.1673% | 4,384 |
| Net operating income to assets | 1.8527% | 466 |
| Return on assets (ROA) | 1.8527% | 503 |
| Pretax return on assets | 1.9499% | 690 |
| Return on Equity (ROE) | 15.5803% | 738 |
| Retained earnings to average equity (ytd only) | 3.7644% | 4,064 |
| Net charge-offs to loans | -0.0661% | 7,101 |
| Credit loss provision to net charge-offs | -368.4211% | 6,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1681% | 6,874 |
| Assets per employee ($millions) | 7.1039% | 699 |
| Cash dividends to net income (ytd only)* | 75.8382% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 3,022 |
| Loan loss allowance to noncurrent loans | 279.6272% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 5,992 |
| Noncurrent loans to loans | 0.6352% | 5,618 |
| Net loans and leases to total assets | 68.1183% | 2,462 |
| Net loans and leases to deposits | 87.4862% | 1,496 |
| Net loans and leases to core deposits | 106.8398% | 822 |
| Total domestic deposits to total assets | 77.8618% | 6,213 |
| Equity capital to assets | 12.4691% | 1,931 |
| Core capital (leverage) ratio | 11.1653% | 2,266 |
| Tier 1 risk-based capital ratio | 14.7108% | 3,829 |
| Total risk-based capital ratio | 15.9651% | 3,805 |
| Memoranda: | ||
| Average total assets | $167,387,250 | 3,555 |
| Average earning assets | $153,515,750 | 3,541 |
| Average equity | $19,905,000 | 3,158 |
| Average total loans | $114,973,250 | 3,300 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 1,851 |
| Cost of funding earning assets | 1.3757% | 1,522 |
| Net interest margin | 3.9352% | 3,149 |
| Noninterest income to average assets | 0.3354% | 5,206 |
| Noninterest expense to average assets | 2.0306% | 6,727 |
| Loan and lease loss provision to assets | 0.2164% | 3,757 |
| Net operating income to assets | 1.6122% | 712 |
| Return on assets (ROA) | 1.6122% | 758 |
| Pretax return on assets | 1.7096% | 1,036 |
| Return on Equity (ROE) | 13.7866% | 1,021 |
| Retained earnings to average equity (ytd only) | 1.6655% | 5,158 |
| Net charge-offs to loans | -0.0246% | 6,872 |
| Credit loss provision to net charge-offs | -1,285.7143% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3218% | 6,848 |
| Assets per employee ($millions) | 7.2764% | 639 |
| Cash dividends to net income (ytd only)* | 87.9195% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,464 |
| Loan loss allowance to noncurrent loans | 320.7278% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 6,230 |
| Noncurrent loans to loans | 0.5170% | 5,871 |
| Net loans and leases to total assets | 68.8405% | 2,445 |
| Net loans and leases to deposits | 89.9809% | 1,276 |
| Net loans and leases to core deposits | 109.7309% | 730 |
| Total domestic deposits to total assets | 76.5057% | 6,522 |
| Equity capital to assets | 11.5768% | 2,432 |
| Core capital (leverage) ratio | 11.3405% | 2,019 |
| Tier 1 risk-based capital ratio | 14.0789% | 4,111 |
| Total risk-based capital ratio | 15.3317% | 4,084 |
| Memoranda: | ||
| Average total assets | $166,352,000 | 3,592 |
| Average earning assets | $153,081,330 | 3,574 |
| Average equity | $19,453,670 | 3,209 |
| Average total loans | $113,885,330 | 3,365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 2,088 |
| Cost of funding earning assets | 1.4587% | 1,339 |
| Net interest margin | 3.7820% | 3,696 |
| Noninterest income to average assets | 0.3304% | 5,259 |
| Noninterest expense to average assets | 1.8544% | 7,065 |
| Loan and lease loss provision to assets | 0.3699% | 2,343 |
| Net operating income to assets | 1.4697% | 934 |
| Return on assets (ROA) | 1.4697% | 975 |
| Pretax return on assets | 1.5905% | 1,216 |
| Return on Equity (ROE) | 12.5000% | 1,322 |
| Retained earnings to average equity (ytd only) | 3.4815% | 4,092 |
| Net charge-offs to loans | -0.0292% | 6,705 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6102% | 7,091 |
| Assets per employee ($millions) | 6.5318% | 917 |
| Cash dividends to net income (ytd only)* | 72.1477% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 3,085 |
| Loan loss allowance to noncurrent loans | 324.4300% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,264 |
| Noncurrent loans to loans | 0.5473% | 5,931 |
| Net loans and leases to total assets | 67.4789% | 2,661 |
| Net loans and leases to deposits | 82.1387% | 2,337 |
| Net loans and leases to core deposits | 100.6678% | 1,282 |
| Total domestic deposits to total assets | 82.1524% | 5,250 |
| Equity capital to assets | 11.8094% | 2,037 |
| Core capital (leverage) ratio | 11.7349% | 1,713 |
| Tier 1 risk-based capital ratio | 15.2835% | 3,267 |
| Total risk-based capital ratio | 16.5377% | 3,227 |
| Memoranda: | ||
| Average total assets | $162,211,000 | 3,663 |
| Average earning assets | $149,445,500 | 3,653 |
| Average equity | $19,072,000 | 3,247 |
| Average total loans | $109,705,000 | 3,497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2723% | 3,255 |
| Cost of funding earning assets | 1.7591% | 1,344 |
| Net interest margin | 3.5132% | 5,193 |
| Noninterest income to average assets | 0.3644% | 5,194 |
| Noninterest expense to average assets | 1.9153% | 7,135 |
| Loan and lease loss provision to assets | 0.1161% | 5,995 |
| Net operating income to assets | 1.0298% | 1,936 |
| Return on assets (ROA) | 1.1659% | 1,575 |
| Pretax return on assets | 1.7496% | 851 |
| Return on Equity (ROE) | 9.5962% | 2,077 |
| Retained earnings to average equity (ytd only) | 0.8280% | 5,138 |
| Net charge-offs to loans | -0.0255% | 7,386 |
| Credit loss provision to net charge-offs | -666.6667% | 7,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5328% | 6,847 |
| Assets per employee ($millions) | 6.4451% | 971 |
| Cash dividends to net income (ytd only)* | 91.3717% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 3,184 |
| Loan loss allowance to noncurrent loans | 285.0700% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 6,271 |
| Noncurrent loans to loans | 0.5997% | 5,841 |
| Net loans and leases to total assets | 65.4113% | 3,574 |
| Net loans and leases to deposits | 78.0024% | 3,510 |
| Net loans and leases to core deposits | 94.2803% | 2,226 |
| Total domestic deposits to total assets | 83.8582% | 4,417 |
| Equity capital to assets | 11.7050% | 2,122 |
| Core capital (leverage) ratio | 11.9473% | 1,588 |
| Tier 1 risk-based capital ratio | 15.7128% | 2,887 |
| Total risk-based capital ratio | 16.9664% | 2,848 |
| Memoranda: | ||
| Average total assets | $155,068,000 | 3,792 |
| Average earning assets | $141,835,800 | 3,785 |
| Average equity | $18,840,800 | 3,298 |
| Average total loans | $105,951,600 | 3,626 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3237% | 3,236 |
| Cost of funding earning assets | 1.8291% | 1,308 |
| Net interest margin | 3.4947% | 5,313 |
| Noninterest income to average assets | 0.3534% | 5,337 |
| Noninterest expense to average assets | 1.9702% | 7,098 |
| Loan and lease loss provision to assets | 0.1563% | 5,477 |
| Net operating income to assets | 0.7676% | 3,148 |
| Return on assets (ROA) | 0.9421% | 2,574 |
| Pretax return on assets | 1.6914% | 1,130 |
| Return on Equity (ROE) | 7.6801% | 3,033 |
| Retained earnings to average equity (ytd only) | -2.2085% | 6,239 |
| Net charge-offs to loans | -0.0366% | 7,428 |
| Credit loss provision to net charge-offs | -620.6897% | 7,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5719% | 6,616 |
| Assets per employee ($millions) | 6.3616% | 1,038 |
| Cash dividends to net income (ytd only)* | 128.7558% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 3,087 |
| Loan loss allowance to noncurrent loans | 224.0537% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 6,083 |
| Noncurrent loans to loans | 0.7693% | 5,671 |
| Net loans and leases to total assets | 68.5307% | 3,086 |
| Net loans and leases to deposits | 82.7078% | 2,965 |
| Net loans and leases to core deposits | 103.5663% | 1,521 |
| Total domestic deposits to total assets | 82.8588% | 4,647 |
| Equity capital to assets | 12.3887% | 1,923 |
| Core capital (leverage) ratio | 12.0327% | 1,650 |
| Tier 1 risk-based capital ratio | 15.6555% | 2,924 |
| Total risk-based capital ratio | 16.9090% | 2,880 |
| Memoranda: | ||
| Average total assets | $153,553,000 | 3,866 |
| Average earning assets | $140,248,750 | 3,865 |
| Average equity | $18,836,000 | 3,341 |
| Average total loans | $105,632,250 | 3,691 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2566% | 3,675 |
| Cost of funding earning assets | 1.8453% | 1,451 |
| Net interest margin | 3.4113% | 5,596 |
| Noninterest income to average assets | 0.3263% | 5,541 |
| Noninterest expense to average assets | 1.9149% | 7,245 |
| Loan and lease loss provision to assets | 0.2340% | 4,576 |
| Net operating income to assets | 0.2281% | 5,467 |
| Return on assets (ROA) | 0.2223% | 5,620 |
| Pretax return on assets | 1.2948% | 2,101 |
| Return on Equity (ROE) | 1.8182% | 5,686 |
| Retained earnings to average equity (ytd only) | -7.2835% | 6,763 |
| Net charge-offs to loans | -0.0645% | 7,488 |
| Credit loss provision to net charge-offs | -529.4118% | 6,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4593% | 6,710 |
| Assets per employee ($millions) | 6.4762% | 960 |
| Cash dividends to net income (ytd only)* | 500.5848% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6437% | 3,278 |
| Loan loss allowance to noncurrent loans | 4,088.8889% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 7,327 |
| Noncurrent loans to loans | 0.0402% | 7,218 |
| Net loans and leases to total assets | 70.8394% | 2,704 |
| Net loans and leases to deposits | 84.9215% | 2,719 |
| Net loans and leases to core deposits | 107.7686% | 1,316 |
| Total domestic deposits to total assets | 83.4175% | 4,384 |
| Equity capital to assets | 12.1766% | 1,993 |
| Core capital (leverage) ratio | 11.7913% | 1,763 |
| Tier 1 risk-based capital ratio | 14.8889% | 3,214 |
| Total risk-based capital ratio | 16.1425% | 3,185 |
| Memoranda: | ||
| Average total assets | $153,844,330 | 3,886 |
| Average earning assets | $141,003,670 | 3,885 |
| Average equity | $18,809,670 | 3,328 |
| Average total loans | $105,354,000 | 3,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 4,195 |
| Cost of funding earning assets | 1.8611% | 1,609 |
| Net interest margin | 3.3089% | 5,938 |
| Noninterest income to average assets | 0.3215% | 5,577 |
| Noninterest expense to average assets | 1.7824% | 7,487 |
| Loan and lease loss provision to assets | 0.3136% | 3,541 |
| Net operating income to assets | -0.8507% | 7,036 |
| Return on assets (ROA) | -0.8625% | 7,073 |
| Pretax return on assets | 1.2414% | 2,231 |
| Return on Equity (ROE) | -7.0394% | 6,999 |
| Retained earnings to average equity (ytd only) | -15.9134% | 7,242 |
| Net charge-offs to loans | -0.0314% | 7,210 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1153% | 7,050 |
| Assets per employee ($millions) | 6.7149% | 902 |
| Cash dividends to net income (ytd only)* | -126.0606% | 7,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 3,059 |
| Loan loss allowance to noncurrent loans | 1,308.9552% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 7,270 |
| Noncurrent loans to loans | 0.1299% | 7,078 |
| Net loans and leases to total assets | 65.6585% | 3,943 |
| Net loans and leases to deposits | 78.6317% | 3,916 |
| Net loans and leases to core deposits | 96.6563% | 2,505 |
| Total domestic deposits to total assets | 83.5014% | 4,385 |
| Equity capital to assets | 11.9086% | 2,096 |
| Core capital (leverage) ratio | 11.8011% | 1,751 |
| Tier 1 risk-based capital ratio | 15.8681% | 2,699 |
| Total risk-based capital ratio | 17.1217% | 2,641 |
| Memoranda: | ||
| Average total assets | $153,052,000 | 3,960 |
| Average earning assets | $140,348,000 | 3,958 |
| Average equity | $18,751,500 | 3,360 |
| Average total loans | $102,058,500 | 3,886 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6896% | 3,156 |
| Cost of funding earning assets | 2.1350% | 2,308 |
| Net interest margin | 3.5546% | 4,729 |
| Noninterest income to average assets | 0.3986% | 5,214 |
| Noninterest expense to average assets | 2.0809% | 7,224 |
| Loan and lease loss provision to assets | 0.3035% | 5,002 |
| Net operating income to assets | 0.9301% | 2,078 |
| Return on assets (ROA) | 1.0469% | 1,718 |
| Pretax return on assets | 1.4064% | 1,421 |
| Return on Equity (ROE) | 8.0016% | 2,368 |
| Retained earnings to average equity (ytd only) | -1.6911% | 5,433 |
| Net charge-offs to loans | 0.0231% | 6,915 |
| Credit loss provision to net charge-offs | 1,875.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 95.8750% | 289 |
| Efficiency ratio | 57.2781% | 6,867 |
| Assets per employee ($millions) | 6.3192% | 1,070 |
| Cash dividends to net income (ytd only)* | 121.1340% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6116% | 3,234 |
| Loan loss allowance to noncurrent loans | 5,423.3333% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 7,475 |
| Noncurrent loans to loans | 0.0297% | 7,356 |
| Net loans and leases to total assets | 65.4954% | 4,280 |
| Net loans and leases to deposits | 78.8542% | 4,199 |
| Net loans and leases to core deposits | 90.3050% | 5,089 |
| Total domestic deposits to total assets | 83.0589% | 4,497 |
| Equity capital to assets | 12.6011% | 1,697 |
| Core capital (leverage) ratio | 12.1366% | 1,607 |
| Tier 1 risk-based capital ratio | 16.6410% | 2,261 |
| Total risk-based capital ratio | 17.8930% | 2,215 |
| Memoranda: | ||
| Average total assets | $148,252,200 | 3,982 |
| Average earning assets | $134,895,000 | 3,996 |
| Average equity | $19,396,000 | 3,293 |
| Average total loans | $103,672,600 | 3,853 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7988% | 2,901 |
| Cost of funding earning assets | 2.1707% | 2,552 |
| Net interest margin | 3.6281% | 4,385 |
| Noninterest income to average assets | 0.4089% | 5,221 |
| Noninterest expense to average assets | 2.1311% | 7,128 |
| Loan and lease loss provision to assets | 0.1538% | 5,815 |
| Net operating income to assets | 1.0517% | 1,892 |
| Return on assets (ROA) | 1.0945% | 1,809 |
| Pretax return on assets | 1.4807% | 1,471 |
| Return on Equity (ROE) | 8.2872% | 2,521 |
| Retained earnings to average equity (ytd only) | 1.4383% | 4,510 |
| Net charge-offs to loans | 0.0396% | 6,352 |
| Credit loss provision to net charge-offs | 548.3871% | 717 |
| Earnings coverage of net charge-offs (x) | 56.2289% | 581 |
| Efficiency ratio | 57.4774% | 6,792 |
| Assets per employee ($millions) | 6.4328% | 1,012 |
| Cash dividends to net income (ytd only)* | 82.6448% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 4,726 |
| Loan loss allowance to noncurrent loans | 1,352.5253% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 7,321 |
| Noncurrent loans to loans | 0.0935% | 7,251 |
| Net loans and leases to total assets | 67.7272% | 4,018 |
| Net loans and leases to deposits | 87.5076% | 3,058 |
| Net loans and leases to core deposits | 99.0245% | 4,482 |
| Total domestic deposits to total assets | 77.3958% | 6,238 |
| Equity capital to assets | 12.8690% | 1,749 |
| Core capital (leverage) ratio | 12.7435% | 1,478 |
| Tier 1 risk-based capital ratio | 16.3207% | 2,505 |
| Total risk-based capital ratio | 17.4495% | 2,492 |
| Memoranda: | ||
| Average total assets | $147,400,000 | 4,015 |
| Average earning assets | $134,024,500 | 4,039 |
| Average equity | $19,467,250 | 3,319 |
| Average total loans | $104,351,250 | 3,865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8026% | 3,032 |
| Cost of funding earning assets | 2.1733% | 2,915 |
| Net interest margin | 3.6293% | 4,252 |
| Noninterest income to average assets | 0.4219% | 5,107 |
| Noninterest expense to average assets | 2.1686% | 7,130 |
| Loan and lease loss provision to assets | 0.0689% | 6,512 |
| Net operating income to assets | 1.0936% | 1,792 |
| Return on assets (ROA) | 1.1581% | 1,668 |
| Pretax return on assets | 1.5785% | 1,258 |
| Return on Equity (ROE) | 8.6895% | 2,475 |
| Retained earnings to average equity (ytd only) | 1.4483% | 4,523 |
| Net charge-offs to loans | 0.0482% | 5,804 |
| Credit loss provision to net charge-offs | 200.0000% | 2,268 |
| Earnings coverage of net charge-offs (x) | 45.2400% | 742 |
| Efficiency ratio | 58.1731% | 6,837 |
| Assets per employee ($millions) | 6.2634% | 1,068 |
| Cash dividends to net income (ytd only)* | 83.3333% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 5,580 |
| Loan loss allowance to noncurrent loans | 1,611.8421% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 7,299 |
| Noncurrent loans to loans | 0.0685% | 7,353 |
| Net loans and leases to total assets | 73.0439% | 2,949 |
| Net loans and leases to deposits | 94.7696% | 1,980 |
| Net loans and leases to core deposits | 104.1064% | 4,051 |
| Total domestic deposits to total assets | 77.0752% | 6,307 |
| Equity capital to assets | 12.9422% | 1,718 |
| Core capital (leverage) ratio | 13.0335% | 1,419 |
| Tier 1 risk-based capital ratio | 16.0141% | 2,621 |
| Total risk-based capital ratio | 17.0311% | 2,638 |
| Memoranda: | ||
| Average total assets | $145,071,000 | 4,082 |
| Average earning assets | $132,146,670 | 4,098 |
| Average equity | $19,333,670 | 3,349 |
| Average total loans | $103,834,670 | 3,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8247% | 3,173 |
| Cost of funding earning assets | 2.1758% | 3,288 |
| Net interest margin | 3.6489% | 4,108 |
| Noninterest income to average assets | 0.4184% | 5,072 |
| Noninterest expense to average assets | 2.1398% | 7,036 |
| Loan and lease loss provision to assets | 0.0281% | 6,575 |
| Net operating income to assets | 1.1549% | 1,789 |
| Return on assets (ROA) | 1.2861% | 1,515 |
| Pretax return on assets | 1.7551% | 1,067 |
| Return on Equity (ROE) | 9.5055% | 2,527 |
| Retained earnings to average equity (ytd only) | 1.2038% | 5,158 |
| Net charge-offs to loans | 0.0359% | 5,009 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | 63.4444% | 624 |
| Efficiency ratio | 57.1643% | 6,808 |
| Assets per employee ($millions) | 5.6335% | 1,449 |
| Cash dividends to net income (ytd only)* | 87.3362% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,093 |
| Loan loss allowance to noncurrent loans | 2,264.1509% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 7,300 |
| Noncurrent loans to loans | 0.0510% | 7,391 |
| Net loans and leases to total assets | 70.1745% | 3,634 |
| Net loans and leases to deposits | 91.7486% | 2,642 |
| Net loans and leases to core deposits | 100.9973% | 4,438 |
| Total domestic deposits to total assets | 76.4856% | 6,409 |
| Equity capital to assets | 13.2237% | 1,645 |
| Core capital (leverage) ratio | 13.3083% | 1,384 |
| Tier 1 risk-based capital ratio | 16.7863% | 2,413 |
| Total risk-based capital ratio | 17.8350% | 2,412 |
| Memoranda: | ||
| Average total assets | $142,445,500 | 4,140 |
| Average earning assets | $129,791,000 | 4,160 |
| Average equity | $19,273,000 | 3,376 |
| Average total loans | $100,239,000 | 4,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5365% | 2,776 |
| Cost of funding earning assets | 2.5108% | 4,151 |
| Net interest margin | 4.0257% | 3,000 |
| Noninterest income to average assets | 0.4429% | 5,089 |
| Noninterest expense to average assets | 2.0736% | 7,292 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4380% | 1,152 |
| Return on assets (ROA) | 1.4380% | 1,107 |
| Pretax return on assets | 1.9750% | 650 |
| Return on Equity (ROE) | 10.1451% | 2,205 |
| Retained earnings to average equity (ytd only) | 3.7242% | 2,818 |
| Net charge-offs to loans | 0.0156% | 6,664 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 252 |
| Efficiency ratio | 51.2177% | 7,572 |
| Assets per employee ($millions) | 5.5368% | 1,432 |
| Cash dividends to net income (ytd only)* | 63.2911% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,207 |
| Loan loss allowance to noncurrent loans | 1,621.6216% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 6,938 |
| Noncurrent loans to loans | 0.0767% | 7,193 |
| Net loans and leases to total assets | 68.8432% | 4,291 |
| Net loans and leases to deposits | 94.9209% | 2,633 |
| Net loans and leases to core deposits | 109.8923% | 3,788 |
| Total domestic deposits to total assets | 72.5269% | 6,911 |
| Equity capital to assets | 13.8543% | 1,478 |
| Core capital (leverage) ratio | 13.9870% | 1,259 |
| Tier 1 risk-based capital ratio | 17.9294% | 2,056 |
| Total risk-based capital ratio | 19.0530% | 2,028 |
| Memoranda: | ||
| Average total assets | $131,846,800 | 4,235 |
| Average earning assets | $118,091,200 | 4,304 |
| Average equity | $18,688,800 | 3,444 |
| Average total loans | $89,799,600 | 4,233 |