Home > First National Bank of Burleson > Performance and Condition Ratios
First National Bank of Burleson, 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 | 5.6995% | 926 |
| Cost of funding earning assets | 0.5041% | 4,190 |
| Net interest margin | 5.1954% | 267 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.9161% | 3,806 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 3.1234% | 143 |
| Return on assets (ROA) | 3.1206% | 141 |
| Pretax return on assets | 3.1206% | 183 |
| Return on Equity (ROE) | 29.4600% | 193 |
| Retained earnings to average equity (ytd only) | -0.0307% | 4,087 |
| Net charge-offs to loans | 0.0020% | 2,736 |
| Credit loss provision to net charge-offs | 11,050.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 3,955.0000% | 25 |
| Efficiency ratio | 37.3565% | 4,412 |
| Assets per employee ($millions) | 9.0426% | 969 |
| Cash dividends to net income (ytd only)* | 100.1041% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 1,875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 38.2800% | 4,089 |
| Net loans and leases to deposits | 42.3863% | 4,147 |
| Net loans and leases to core deposits | 42.7015% | 4,235 |
| Total domestic deposits to total assets | 90.3000% | 678 |
| Equity capital to assets | 9.2060% | 2,537 |
| Core capital (leverage) ratio | 10.0022% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $246,171,400 | 2,708 |
| Average earning assets | $229,319,200 | 2,690 |
| Average equity | $26,077,400 | 2,457 |
| Average total loans | $97,617,800 | 3,203 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 902 |
| Cost of funding earning assets | 0.3542% | 4,311 |
| Net interest margin | 5.2551% | 238 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.9325% | 3,748 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 3.1952% | 160 |
| Return on assets (ROA) | 3.1913% | 161 |
| Pretax return on assets | 3.1913% | 203 |
| Return on Equity (ROE) | 29.0500% | 245 |
| Retained earnings to average equity (ytd only) | 8.6110% | 1,789 |
| Net charge-offs to loans | 0.0028% | 2,440 |
| Credit loss provision to net charge-offs | 6,950.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 2,944.0000% | 38 |
| Efficiency ratio | 37.1276% | 4,426 |
| Assets per employee ($millions) | 7.5932% | 1,569 |
| Cash dividends to net income (ytd only)* | 70.3588% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,090 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 42.3200% | 3,980 |
| Net loans and leases to deposits | 47.9818% | 4,005 |
| Net loans and leases to core deposits | 48.3321% | 4,080 |
| Total domestic deposits to total assets | 88.2100% | 1,506 |
| Equity capital to assets | 11.2703% | 1,249 |
| Core capital (leverage) ratio | 11.4143% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $239,894,500 | 2,744 |
| Average earning assets | $223,600,500 | 2,733 |
| Average equity | $26,353,250 | 2,429 |
| Average total loans | $95,726,750 | 3,228 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4204% | 934 |
| Cost of funding earning assets | 0.1062% | 4,514 |
| Net interest margin | 5.3141% | 209 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.8716% | 3,875 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 3.3406% | 128 |
| Return on assets (ROA) | 3.3348% | 127 |
| Pretax return on assets | 3.3348% | 165 |
| Return on Equity (ROE) | 30.6100% | 205 |
| Retained earnings to average equity (ytd only) | 15.4784% | 522 |
| Net charge-offs to loans | 0.0043% | 2,145 |
| Credit loss provision to net charge-offs | 3,700.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 2,053.0000% | 67 |
| Efficiency ratio | 35.4910% | 4,484 |
| Assets per employee ($millions) | 7.7181% | 1,461 |
| Cash dividends to net income (ytd only)* | 49.4410% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 2,264 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.5100% | 3,985 |
| Net loans and leases to deposits | 47.1915% | 4,010 |
| Net loans and leases to core deposits | 47.4722% | 4,088 |
| Total domestic deposits to total assets | 87.9500% | 1,617 |
| Equity capital to assets | 11.6526% | 1,154 |
| Core capital (leverage) ratio | 11.6066% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $241,396,667 | 2,738 |
| Average earning assets | $225,926,000 | 2,728 |
| Average equity | $26,294,667 | 2,444 |
| Average total loans | $94,006,000 | 3,241 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 1,071 |
| Cost of funding earning assets | 0.0854% | 4,553 |
| Net interest margin | 5.0296% | 289 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.8236% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.2478% | 134 |
| Return on assets (ROA) | 3.2364% | 135 |
| Pretax return on assets | 3.2364% | 169 |
| Return on Equity (ROE) | 30.7200% | 221 |
| Retained earnings to average equity (ytd only) | 30.7188% | 109 |
| Net charge-offs to loans | 0.0087% | 1,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,000.0000% | 104 |
| Efficiency ratio | 35.9590% | 4,541 |
| Assets per employee ($millions) | 8.0418% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,541 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 38.3700% | 4,100 |
| Net loans and leases to deposits | 43.3402% | 4,117 |
| Net loans and leases to core deposits | 43.5857% | 4,186 |
| Total domestic deposits to total assets | 88.5300% | 1,723 |
| Equity capital to assets | 11.1737% | 1,279 |
| Core capital (leverage) ratio | 10.9685% | 1,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $246,323,000 | 2,744 |
| Average earning assets | $234,056,000 | 2,711 |
| Average equity | $25,951,500 | 2,487 |
| Average total loans | $92,356,500 | 3,298 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3450% | 3,484 |
| Cost of funding earning assets | 0.0466% | 4,581 |
| Net interest margin | 3.2984% | 2,567 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.6439% | 4,255 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.7342% | 505 |
| Return on assets (ROA) | 1.7342% | 481 |
| Pretax return on assets | 1.7342% | 851 |
| Return on Equity (ROE) | 17.8100% | 731 |
| Retained earnings to average equity (ytd only) | 5.6131% | 2,781 |
| Net charge-offs to loans | -0.0048% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.9703% | 4,243 |
| Assets per employee ($millions) | 8.3798% | 1,149 |
| Cash dividends to net income (ytd only)* | 68.4850% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2382% | 2,208 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.7600% | 4,226 |
| Net loans and leases to deposits | 39.8617% | 4,249 |
| Net loans and leases to core deposits | 40.0218% | 4,278 |
| Total domestic deposits to total assets | 89.7000% | 1,484 |
| Equity capital to assets | 9.9231% | 1,743 |
| Core capital (leverage) ratio | 9.8761% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $251,591,200 | 2,719 |
| Average earning assets | $238,329,400 | 2,680 |
| Average equity | $24,496,400 | 2,603 |
| Average total loans | $83,017,000 | 3,370 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8844% | 4,082 |
| Cost of funding earning assets | 0.0470% | 4,588 |
| Net interest margin | 2.8374% | 3,658 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.5318% | 4,383 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4375% | 987 |
| Return on assets (ROA) | 1.4375% | 964 |
| Pretax return on assets | 1.4375% | 1,605 |
| Return on Equity (ROE) | 14.8300% | 1,213 |
| Retained earnings to average equity (ytd only) | 8.3550% | 1,867 |
| Net charge-offs to loans | -0.0066% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.3408% | 4,057 |
| Assets per employee ($millions) | 9.4677% | 771 |
| Cash dividends to net income (ytd only)* | 43.6786% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 33.4500% | 4,321 |
| Net loans and leases to deposits | 37.1672% | 4,336 |
| Net loans and leases to core deposits | 37.2647% | 4,363 |
| Total domestic deposits to total assets | 90.0100% | 1,654 |
| Equity capital to assets | 9.7642% | 1,748 |
| Core capital (leverage) ratio | 9.8140% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $251,640,750 | 2,742 |
| Average earning assets | $238,148,750 | 2,696 |
| Average equity | $24,384,000 | 2,659 |
| Average total loans | $81,016,750 | 3,412 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5627% | 4,316 |
| Cost of funding earning assets | 0.0482% | 4,604 |
| Net interest margin | 2.5144% | 4,067 |
| Noninterest income to average assets | 0.2900% | 3,432 |
| Noninterest expense to average assets | 1.4510% | 4,471 |
| Loan and lease loss provision to assets | -0.0040% | 4,374 |
| Net operating income to assets | 1.2177% | 1,375 |
| Return on assets (ROA) | 1.2177% | 1,362 |
| Pretax return on assets | 1.2177% | 2,014 |
| Return on Equity (ROE) | 12.5992% | 1,494 |
| Retained earnings to average equity (ytd only) | 6.9610% | 2,003 |
| Net charge-offs to loans | -0.0152% | 3,764 |
| Credit loss provision to net charge-offs | 83.3333% | 1,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4528% | 3,921 |
| Assets per employee ($millions) | 8.7943% | 958 |
| Cash dividends to net income (ytd only)* | 44.7507% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 31.8206% | 4,406 |
| Net loans and leases to deposits | 35.2623% | 4,415 |
| Net loans and leases to core deposits | 35.3546% | 4,454 |
| Total domestic deposits to total assets | 90.2398% | 1,616 |
| Equity capital to assets | 9.6037% | 1,937 |
| Core capital (leverage) ratio | 9.6996% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,312,000 | 2,775 |
| Average earning assets | $236,395,000 | 2,748 |
| Average equity | $24,192,000 | 2,731 |
| Average total loans | $79,174,000 | 3,461 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3768% | 4,395 |
| Cost of funding earning assets | 0.0478% | 4,617 |
| Net interest margin | 2.3290% | 4,189 |
| Noninterest income to average assets | 0.2872% | 3,404 |
| Noninterest expense to average assets | 1.4148% | 4,523 |
| Loan and lease loss provision to assets | -0.0081% | 4,413 |
| Net operating income to assets | 1.0825% | 1,570 |
| Return on assets (ROA) | 1.0825% | 1,568 |
| Pretax return on assets | 1.0825% | 2,196 |
| Return on Equity (ROE) | 11.1640% | 1,562 |
| Retained earnings to average equity (ytd only) | 3.1945% | 3,197 |
| Net charge-offs to loans | -0.0257% | 4,019 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8373% | 3,807 |
| Assets per employee ($millions) | 8.5910% | 1,065 |
| Cash dividends to net income (ytd only)* | 71.3860% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 2,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 30.9731% | 4,420 |
| Net loans and leases to deposits | 34.3305% | 4,438 |
| Net loans and leases to core deposits | 34.4225% | 4,472 |
| Total domestic deposits to total assets | 90.2203% | 1,433 |
| Equity capital to assets | 9.6328% | 2,185 |
| Core capital (leverage) ratio | 9.7010% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,950,000 | 2,798 |
| Average earning assets | $234,430,500 | 2,771 |
| Average equity | $24,041,500 | 2,836 |
| Average total loans | $77,684,000 | 3,498 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7124% | 4,302 |
| Cost of funding earning assets | 0.0551% | 4,662 |
| Net interest margin | 2.6572% | 3,948 |
| Noninterest income to average assets | 0.3029% | 3,594 |
| Noninterest expense to average assets | 1.5754% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2269% | 1,829 |
| Return on assets (ROA) | 1.2269% | 1,877 |
| Pretax return on assets | 1.2269% | 2,579 |
| Return on Equity (ROE) | 12.7220% | 1,562 |
| Retained earnings to average equity (ytd only) | 8.0454% | 1,516 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2185% | 3,681 |
| Assets per employee ($millions) | 8.2254% | 1,206 |
| Cash dividends to net income (ytd only)* | 36.7602% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 30.8809% | 4,487 |
| Net loans and leases to deposits | 34.2838% | 4,522 |
| Net loans and leases to core deposits | 34.3303% | 4,548 |
| Total domestic deposits to total assets | 90.0742% | 925 |
| Equity capital to assets | 9.7601% | 2,885 |
| Core capital (leverage) ratio | 9.6382% | 2,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,015,400 | 2,787 |
| Average earning assets | $226,703,600 | 2,766 |
| Average equity | $23,243,200 | 2,959 |
| Average total loans | $75,130,200 | 3,556 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7105% | 4,396 |
| Cost of funding earning assets | 0.0569% | 4,748 |
| Net interest margin | 2.6536% | 4,051 |
| Noninterest income to average assets | 0.3027% | 3,622 |
| Noninterest expense to average assets | 1.5187% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2767% | 1,898 |
| Return on assets (ROA) | 1.2767% | 1,957 |
| Pretax return on assets | 1.2767% | 2,686 |
| Return on Equity (ROE) | 13.2792% | 1,623 |
| Retained earnings to average equity (ytd only) | 8.1562% | 2,007 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3301% | 3,763 |
| Assets per employee ($millions) | 8.8947% | 925 |
| Cash dividends to net income (ytd only)* | 38.5789% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 2,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 29.5871% | 4,602 |
| Net loans and leases to deposits | 32.7457% | 4,660 |
| Net loans and leases to core deposits | 32.8498% | 4,676 |
| Total domestic deposits to total assets | 90.3542% | 617 |
| Equity capital to assets | 9.5009% | 3,370 |
| Core capital (leverage) ratio | 9.4743% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,579,000 | 2,818 |
| Average earning assets | $225,047,000 | 2,804 |
| Average equity | $23,033,000 | 3,016 |
| Average total loans | $74,612,250 | 3,615 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6970% | 4,459 |
| Cost of funding earning assets | 0.0596% | 4,787 |
| Net interest margin | 2.6375% | 4,105 |
| Noninterest income to average assets | 0.2986% | 3,642 |
| Noninterest expense to average assets | 1.5303% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2402% | 2,055 |
| Return on assets (ROA) | 1.2402% | 2,117 |
| Pretax return on assets | 1.2402% | 2,801 |
| Return on Equity (ROE) | 12.8465% | 1,770 |
| Retained earnings to average equity (ytd only) | 8.9470% | 1,726 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2366% | 3,635 |
| Assets per employee ($millions) | 8.3555% | 1,057 |
| Cash dividends to net income (ytd only)* | 30.3547% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 31.4499% | 4,606 |
| Net loans and leases to deposits | 34.8689% | 4,657 |
| Net loans and leases to core deposits | 35.0316% | 4,694 |
| Total domestic deposits to total assets | 90.1948% | 687 |
| Equity capital to assets | 9.6220% | 3,227 |
| Core capital (leverage) ratio | 9.5017% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,421,667 | 2,833 |
| Average earning assets | $221,577,000 | 2,820 |
| Average equity | $22,823,333 | 3,026 |
| Average total loans | $74,587,333 | 3,640 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6854% | 4,496 |
| Cost of funding earning assets | 0.0623% | 4,819 |
| Net interest margin | 2.6231% | 4,106 |
| Noninterest income to average assets | 0.2810% | 3,717 |
| Noninterest expense to average assets | 1.5299% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2027% | 2,133 |
| Return on assets (ROA) | 1.2027% | 2,214 |
| Pretax return on assets | 1.2027% | 2,842 |
| Return on Equity (ROE) | 12.4372% | 1,859 |
| Retained earnings to average equity (ytd only) | 8.1851% | 2,180 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9875% | 3,549 |
| Assets per employee ($millions) | 7.9090% | 1,233 |
| Cash dividends to net income (ytd only)* | 34.1880% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 31.5548% | 4,644 |
| Net loans and leases to deposits | 34.9621% | 4,705 |
| Net loans and leases to core deposits | 35.0607% | 4,737 |
| Total domestic deposits to total assets | 90.2541% | 695 |
| Equity capital to assets | 9.5950% | 3,111 |
| Core capital (leverage) ratio | 9.6469% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,478,000 | 2,839 |
| Average earning assets | $218,218,000 | 2,834 |
| Average equity | $22,577,500 | 3,034 |
| Average total loans | $73,278,000 | 3,679 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 4,491 |
| Cost of funding earning assets | 0.0889% | 4,888 |
| Net interest margin | 3.0774% | 3,684 |
| Noninterest income to average assets | 0.3165% | 3,567 |
| Noninterest expense to average assets | 1.8041% | 4,469 |
| Loan and lease loss provision to assets | 0.2044% | 1,920 |
| Net operating income to assets | 1.1791% | 1,618 |
| Return on assets (ROA) | 1.2499% | 1,491 |
| Pretax return on assets | 1.2499% | 2,158 |
| Return on Equity (ROE) | 12.2509% | 1,246 |
| Retained earnings to average equity (ytd only) | 4.9629% | 2,291 |
| Net charge-offs to loans | 0.0582% | 1,948 |
| Credit loss provision to net charge-offs | 1,117.9487% | 720 |
| Earnings coverage of net charge-offs (x) | 75.6667% | 928 |
| Efficiency ratio | 56.5966% | 3,906 |
| Assets per employee ($millions) | 7.6562% | 1,187 |
| Cash dividends to net income (ytd only)* | 59.4899% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 30.3397% | 4,741 |
| Net loans and leases to deposits | 33.7216% | 4,792 |
| Net loans and leases to core deposits | 33.8630% | 4,806 |
| Total domestic deposits to total assets | 89.9711% | 578 |
| Equity capital to assets | 9.7477% | 3,370 |
| Core capital (leverage) ratio | 9.7151% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,296,000 | 2,841 |
| Average earning assets | $198,998,800 | 2,834 |
| Average equity | $21,761,600 | 3,032 |
| Average total loans | $67,022,800 | 3,795 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 4,337 |
| Cost of funding earning assets | 0.0928% | 4,933 |
| Net interest margin | 3.3136% | 3,144 |
| Noninterest income to average assets | 0.3180% | 3,586 |
| Noninterest expense to average assets | 1.7807% | 4,528 |
| Loan and lease loss provision to assets | 0.2777% | 1,448 |
| Net operating income to assets | 1.3550% | 1,215 |
| Return on assets (ROA) | 1.4512% | 1,089 |
| Pretax return on assets | 1.4512% | 1,572 |
| Return on Equity (ROE) | 14.0521% | 873 |
| Retained earnings to average equity (ytd only) | 5.5542% | 2,300 |
| Net charge-offs to loans | 0.0766% | 1,546 |
| Credit loss provision to net charge-offs | 1,147.3684% | 759 |
| Earnings coverage of net charge-offs (x) | 67.4211% | 1,022 |
| Efficiency ratio | 52.1658% | 4,332 |
| Assets per employee ($millions) | 7.6998% | 1,124 |
| Cash dividends to net income (ytd only)* | 60.4743% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 33.7777% | 4,746 |
| Net loans and leases to deposits | 37.5936% | 4,798 |
| Net loans and leases to core deposits | 37.7065% | 4,825 |
| Total domestic deposits to total assets | 89.8498% | 480 |
| Equity capital to assets | 9.9160% | 3,304 |
| Core capital (leverage) ratio | 9.8994% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,198,500 | 2,853 |
| Average earning assets | $195,430,250 | 2,853 |
| Average equity | $21,604,750 | 3,037 |
| Average total loans | $66,107,000 | 3,826 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,739 |
| Cost of funding earning assets | 0.0996% | 4,971 |
| Net interest margin | 3.7509% | 1,988 |
| Noninterest income to average assets | 0.3061% | 3,631 |
| Noninterest expense to average assets | 1.8230% | 4,533 |
| Loan and lease loss provision to assets | 0.4264% | 923 |
| Net operating income to assets | 1.5560% | 836 |
| Return on assets (ROA) | 1.7037% | 673 |
| Pretax return on assets | 1.7037% | 995 |
| Return on Equity (ROE) | 16.2609% | 524 |
| Retained earnings to average equity (ytd only) | 8.7932% | 1,073 |
| Net charge-offs to loans | 0.1213% | 1,118 |
| Credit loss provision to net charge-offs | 1,147.3684% | 720 |
| Earnings coverage of net charge-offs (x) | 53.3421% | 1,058 |
| Efficiency ratio | 47.9054% | 4,638 |
| Assets per employee ($millions) | 7.2368% | 1,301 |
| Cash dividends to net income (ytd only)* | 45.9242% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 1,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 32.3109% | 4,814 |
| Net loans and leases to deposits | 36.0538% | 4,861 |
| Net loans and leases to core deposits | 36.1567% | 4,879 |
| Total domestic deposits to total assets | 89.6188% | 520 |
| Equity capital to assets | 10.2067% | 3,011 |
| Core capital (leverage) ratio | 10.2872% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,499,667 | 2,866 |
| Average earning assets | $190,780,667 | 2,866 |
| Average equity | $21,425,667 | 3,036 |
| Average total loans | $62,668,000 | 3,900 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3809% | 4,750 |
| Cost of funding earning assets | 0.1190% | 5,017 |
| Net interest margin | 3.2618% | 3,685 |
| Noninterest income to average assets | 0.3350% | 3,516 |
| Noninterest expense to average assets | 1.8910% | 4,554 |
| Loan and lease loss provision to assets | 0.4036% | 752 |
| Net operating income to assets | 1.0817% | 1,898 |
| Return on assets (ROA) | 1.3603% | 1,163 |
| Pretax return on assets | 1.3603% | 1,686 |
| Return on Equity (ROE) | 12.8021% | 913 |
| Retained earnings to average equity (ytd only) | 1.4056% | 3,630 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0072% | 4,208 |
| Assets per employee ($millions) | 6.3662% | 1,424 |
| Cash dividends to net income (ytd only)* | 89.0208% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 1,687 |
| Loan loss allowance to noncurrent loans | 1,129.5775% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,437 |
| Noncurrent loans to loans | 0.1242% | 4,020 |
| Net loans and leases to total assets | 28.5596% | 4,927 |
| Net loans and leases to deposits | 32.0350% | 4,953 |
| Net loans and leases to core deposits | 32.1360% | 4,961 |
| Total domestic deposits to total assets | 89.1514% | 600 |
| Equity capital to assets | 10.6855% | 3,154 |
| Core capital (leverage) ratio | 10.5431% | 2,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,198,000 | 2,891 |
| Average earning assets | $184,804,000 | 2,874 |
| Average equity | $21,059,000 | 3,068 |
| Average total loans | $58,428,000 | 3,982 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 4,856 |
| Cost of funding earning assets | 0.1269% | 5,068 |
| Net interest margin | 3.3758% | 3,808 |
| Noninterest income to average assets | 0.3545% | 3,582 |
| Noninterest expense to average assets | 1.9948% | 4,541 |
| Loan and lease loss provision to assets | 0.0126% | 3,762 |
| Net operating income to assets | 1.5171% | 1,010 |
| Return on assets (ROA) | 1.5171% | 1,072 |
| Pretax return on assets | 1.5171% | 1,753 |
| Return on Equity (ROE) | 14.4736% | 798 |
| Retained earnings to average equity (ytd only) | -0.4462% | 4,762 |
| Net charge-offs to loans | 0.0052% | 3,488 |
| Credit loss provision to net charge-offs | 833.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 1,014.0000% | 98 |
| Efficiency ratio | 56.5987% | 4,133 |
| Assets per employee ($millions) | 6.0316% | 1,610 |
| Cash dividends to net income (ytd only)* | 103.0825% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,443 |
| Loan loss allowance to noncurrent loans | 158.4211% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 3,695 |
| Noncurrent loans to loans | 0.6366% | 2,295 |
| Net loans and leases to total assets | 29.6864% | 4,971 |
| Net loans and leases to deposits | 33.3883% | 5,002 |
| Net loans and leases to core deposits | 33.4928% | 5,017 |
| Total domestic deposits to total assets | 88.9125% | 707 |
| Equity capital to assets | 10.5655% | 3,384 |
| Core capital (leverage) ratio | 10.3796% | 3,095 |
| Tier 1 risk-based capital ratio | 27.1185% | 608 |
| Total risk-based capital ratio | 27.9067% | 625 |
| Memoranda: | ||
| Average total assets | $198,868,800 | 2,849 |
| Average earning assets | $186,740,400 | 2,824 |
| Average equity | $20,844,800 | 3,050 |
| Average total loans | $57,769,600 | 4,016 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 4,880 |
| Cost of funding earning assets | 0.1270% | 5,149 |
| Net interest margin | 3.4749% | 3,646 |
| Noninterest income to average assets | 0.3460% | 3,655 |
| Noninterest expense to average assets | 2.0071% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6040% | 923 |
| Return on assets (ROA) | 1.6040% | 962 |
| Pretax return on assets | 1.6040% | 1,626 |
| Return on Equity (ROE) | 15.3340% | 708 |
| Retained earnings to average equity (ytd only) | 0.2052% | 4,724 |
| Net charge-offs to loans | 0.0047% | 3,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,194.4757% | 70 |
| Efficiency ratio | 55.5803% | 4,207 |
| Assets per employee ($millions) | 5.9713% | 1,624 |
| Cash dividends to net income (ytd only)* | 98.6624% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 29.4017% | 5,058 |
| Net loans and leases to deposits | 33.0107% | 5,098 |
| Net loans and leases to core deposits | 33.1148% | 5,112 |
| Total domestic deposits to total assets | 89.0674% | 589 |
| Equity capital to assets | 10.6403% | 3,429 |
| Core capital (leverage) ratio | 10.5736% | 3,035 |
| Tier 1 risk-based capital ratio | 28.6553% | 527 |
| Total risk-based capital ratio | 29.4502% | 543 |
| Memoranda: | ||
| Average total assets | $198,825,000 | 2,874 |
| Average earning assets | $186,819,750 | 2,850 |
| Average equity | $20,798,500 | 3,079 |
| Average total loans | $57,289,250 | 4,074 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,947 |
| Cost of funding earning assets | 0.1272% | 5,196 |
| Net interest margin | 3.4537% | 3,735 |
| Noninterest income to average assets | 0.3249% | 3,769 |
| Noninterest expense to average assets | 1.9918% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5746% | 962 |
| Return on assets (ROA) | 1.5746% | 999 |
| Pretax return on assets | 1.5746% | 1,626 |
| Return on Equity (ROE) | 15.1381% | 732 |
| Retained earnings to average equity (ytd only) | -0.2411% | 4,723 |
| Net charge-offs to loans | 0.0070% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 785.0000% | 97 |
| Efficiency ratio | 55.8493% | 4,262 |
| Assets per employee ($millions) | 5.9281% | 1,595 |
| Cash dividends to net income (ytd only)* | 101.5924% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 29.5722% | 5,105 |
| Net loans and leases to deposits | 33.2210% | 5,136 |
| Net loans and leases to core deposits | 33.2691% | 5,157 |
| Total domestic deposits to total assets | 89.0168% | 655 |
| Equity capital to assets | 10.6514% | 3,385 |
| Core capital (leverage) ratio | 10.5991% | 2,983 |
| Tier 1 risk-based capital ratio | 28.7219% | 532 |
| Total risk-based capital ratio | 29.5208% | 540 |
| Memoranda: | ||
| Average total assets | $199,415,670 | 2,876 |
| Average earning assets | $187,163,330 | 2,856 |
| Average equity | $20,742,330 | 3,081 |
| Average total loans | $56,880,670 | 4,105 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 5,001 |
| Cost of funding earning assets | 0.1247% | 5,251 |
| Net interest margin | 3.4260% | 3,820 |
| Noninterest income to average assets | 0.3100% | 3,798 |
| Noninterest expense to average assets | 1.9413% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5896% | 916 |
| Return on assets (ROA) | 1.5896% | 943 |
| Pretax return on assets | 1.5896% | 1,496 |
| Return on Equity (ROE) | 15.4627% | 671 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,528 |
| Net charge-offs to loans | 0.0143% | 2,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 400.0000% | 197 |
| Efficiency ratio | 54.9803% | 4,433 |
| Assets per employee ($millions) | 5.9482% | 1,590 |
| Cash dividends to net income (ytd only)* | 100.0000% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 28.0084% | 5,179 |
| Net loans and leases to deposits | 31.4162% | 5,202 |
| Net loans and leases to core deposits | 31.5069% | 5,219 |
| Total domestic deposits to total assets | 89.1528% | 790 |
| Equity capital to assets | 10.5746% | 3,280 |
| Core capital (leverage) ratio | 10.4864% | 3,066 |
| Tier 1 risk-based capital ratio | 31.0360% | 439 |
| Total risk-based capital ratio | 31.8983% | 443 |
| Memoranda: | ||
| Average total assets | $201,310,500 | 2,894 |
| Average earning assets | $189,259,000 | 2,860 |
| Average equity | $20,695,000 | 3,093 |
| Average total loans | $56,106,500 | 4,164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2941% | 5,087 |
| Cost of funding earning assets | 0.1182% | 5,249 |
| Net interest margin | 3.1760% | 4,530 |
| Noninterest income to average assets | 0.3987% | 3,449 |
| Noninterest expense to average assets | 1.8337% | 4,971 |
| Loan and lease loss provision to assets | 0.0147% | 3,853 |
| Net operating income to assets | 1.5363% | 1,030 |
| Return on assets (ROA) | 1.4921% | 1,128 |
| Pretax return on assets | 1.4921% | 1,804 |
| Return on Equity (ROE) | 15.4847% | 727 |
| Retained earnings to average equity (ytd only) | 4.1071% | 3,299 |
| Net charge-offs to loans | 0.0414% | 2,586 |
| Credit loss provision to net charge-offs | 120.0000% | 2,167 |
| Earnings coverage of net charge-offs (x) | 126.2000% | 629 |
| Efficiency ratio | 54.1757% | 4,604 |
| Assets per employee ($millions) | 6.8777% | 1,033 |
| Cash dividends to net income (ytd only)* | 73.4761% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 27.1783% | 5,243 |
| Net loans and leases to deposits | 30.2970% | 5,264 |
| Net loans and leases to core deposits | 30.4899% | 5,271 |
| Total domestic deposits to total assets | 89.7063% | 573 |
| Equity capital to assets | 10.0000% | 3,685 |
| Core capital (leverage) ratio | 10.1722% | 3,383 |
| Tier 1 risk-based capital ratio | 29.3342% | 497 |
| Total risk-based capital ratio | 30.1520% | 510 |
| Memoranda: | ||
| Average total assets | $203,409,600 | 2,827 |
| Average earning assets | $191,248,800 | 2,816 |
| Average equity | $19,600,000 | 3,125 |
| Average total loans | $60,367,800 | 4,082 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2834% | 5,136 |
| Cost of funding earning assets | 0.1154% | 5,315 |
| Net interest margin | 3.1680% | 4,578 |
| Noninterest income to average assets | 0.4204% | 3,349 |
| Noninterest expense to average assets | 1.8531% | 4,973 |
| Loan and lease loss provision to assets | 0.0197% | 3,612 |
| Net operating income to assets | 1.5268% | 1,132 |
| Return on assets (ROA) | 1.4676% | 1,286 |
| Pretax return on assets | 1.4676% | 2,006 |
| Return on Equity (ROE) | 15.3791% | 809 |
| Retained earnings to average equity (ytd only) | 5.3493% | 3,028 |
| Net charge-offs to loans | 0.0544% | 2,041 |
| Credit loss provision to net charge-offs | 120.0000% | 1,989 |
| Earnings coverage of net charge-offs (x) | 94.0471% | 792 |
| Efficiency ratio | 54.5085% | 4,561 |
| Assets per employee ($millions) | 6.5885% | 1,143 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 4,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 29.3747% | 5,289 |
| Net loans and leases to deposits | 32.7355% | 5,320 |
| Net loans and leases to core deposits | 33.0045% | 5,328 |
| Total domestic deposits to total assets | 89.7334% | 590 |
| Equity capital to assets | 9.9743% | 3,675 |
| Core capital (leverage) ratio | 10.0804% | 3,547 |
| Tier 1 risk-based capital ratio | 28.2402% | 553 |
| Total risk-based capital ratio | 29.0285% | 573 |
| Memoranda: | ||
| Average total assets | $202,679,500 | 2,855 |
| Average earning assets | $190,608,500 | 2,836 |
| Average equity | $19,341,750 | 3,172 |
| Average total loans | $61,295,500 | 4,100 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2267% | 5,202 |
| Cost of funding earning assets | 0.1095% | 5,381 |
| Net interest margin | 3.1172% | 4,699 |
| Noninterest income to average assets | 0.4620% | 3,078 |
| Noninterest expense to average assets | 1.8481% | 5,035 |
| Loan and lease loss provision to assets | 0.0099% | 3,653 |
| Net operating income to assets | 1.5344% | 1,066 |
| Return on assets (ROA) | 1.4454% | 1,300 |
| Pretax return on assets | 1.4454% | 2,003 |
| Return on Equity (ROE) | 15.3803% | 777 |
| Retained earnings to average equity (ytd only) | 7.9586% | 1,651 |
| Net charge-offs to loans | 0.0780% | 1,545 |
| Credit loss provision to net charge-offs | 41.6667% | 2,551 |
| Earnings coverage of net charge-offs (x) | 65.0417% | 951 |
| Efficiency ratio | 54.4765% | 4,637 |
| Assets per employee ($millions) | 6.6195% | 1,122 |
| Cash dividends to net income (ytd only)* | 48.2546% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,363 |
| 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 | 30.2629% | 5,320 |
| Net loans and leases to deposits | 33.7035% | 5,354 |
| Net loans and leases to core deposits | 33.9188% | 5,368 |
| Total domestic deposits to total assets | 89.7917% | 637 |
| Equity capital to assets | 9.9140% | 3,709 |
| Core capital (leverage) ratio | 10.1369% | 3,441 |
| Tier 1 risk-based capital ratio | 28.3088% | 543 |
| Total risk-based capital ratio | 29.0739% | 560 |
| Memoranda: | ||
| Average total assets | $202,158,000 | 2,881 |
| Average earning assets | $190,039,330 | 2,852 |
| Average equity | $18,998,330 | 3,219 |
| Average total loans | $61,535,330 | 4,125 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 5,275 |
| Cost of funding earning assets | 0.1125% | 5,419 |
| Net interest margin | 3.0395% | 4,819 |
| Noninterest income to average assets | 0.3389% | 3,887 |
| Noninterest expense to average assets | 1.7823% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4115% | 1,315 |
| Return on assets (ROA) | 1.4115% | 1,323 |
| Pretax return on assets | 1.4115% | 1,969 |
| Return on Equity (ROE) | 15.4539% | 718 |
| Retained earnings to average equity (ytd only) | 15.4539% | 288 |
| Net charge-offs to loans | 0.1574% | 897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 29.5000% | 1,249 |
| Efficiency ratio | 55.8052% | 4,608 |
| Assets per employee ($millions) | 6.3220% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 4,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 29.6412% | 5,372 |
| Net loans and leases to deposits | 33.0357% | 5,408 |
| Net loans and leases to core deposits | 33.2498% | 5,421 |
| Total domestic deposits to total assets | 89.7248% | 773 |
| Equity capital to assets | 9.9771% | 3,619 |
| Core capital (leverage) ratio | 10.3633% | 3,102 |
| Tier 1 risk-based capital ratio | 27.1331% | 610 |
| Total risk-based capital ratio | 27.8551% | 627 |
| Memoranda: | ||
| Average total assets | $200,634,500 | 2,926 |
| Average earning assets | $188,454,500 | 2,898 |
| Average equity | $18,325,500 | 3,322 |
| Average total loans | $60,972,000 | 4,180 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1045% | 5,286 |
| Cost of funding earning assets | 0.1198% | 5,414 |
| Net interest margin | 2.9848% | 4,919 |
| Noninterest income to average assets | 0.3656% | 3,855 |
| Noninterest expense to average assets | 1.9244% | 5,086 |
| Loan and lease loss provision to assets | 0.0102% | 4,077 |
| Net operating income to assets | 1.2273% | 1,439 |
| Return on assets (ROA) | 1.2273% | 1,455 |
| Pretax return on assets | 1.2273% | 2,652 |
| Return on Equity (ROE) | 14.6306% | 671 |
| Retained earnings to average equity (ytd only) | 0.3148% | 4,899 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8640% | 4,131 |
| Assets per employee ($millions) | 6.4183% | 1,256 |
| Cash dividends to net income (ytd only)* | 97.8486% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 4,289 |
| 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 | 30.5846% | 5,428 |
| Net loans and leases to deposits | 33.4648% | 5,469 |
| Net loans and leases to core deposits | 33.7465% | 5,490 |
| Total domestic deposits to total assets | 91.3935% | 160 |
| Equity capital to assets | 8.2763% | 5,269 |
| Core capital (leverage) ratio | 8.5450% | 5,098 |
| Tier 1 risk-based capital ratio | 22.2716% | 986 |
| Total risk-based capital ratio | 23.0299% | 1,023 |
| Memoranda: | ||
| Average total assets | $196,940,600 | 2,949 |
| Average earning assets | $184,504,000 | 2,918 |
| Average equity | $16,520,200 | 3,537 |
| Average total loans | $60,548,600 | 4,190 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0947% | 5,339 |
| Cost of funding earning assets | 0.1224% | 5,464 |
| Net interest margin | 2.9723% | 4,981 |
| Noninterest income to average assets | 0.3706% | 3,873 |
| Noninterest expense to average assets | 1.8991% | 5,132 |
| Loan and lease loss provision to assets | 0.0034% | 4,042 |
| Net operating income to assets | 1.2530% | 1,500 |
| Return on assets (ROA) | 1.2530% | 1,525 |
| Pretax return on assets | 1.2530% | 2,690 |
| Return on Equity (ROE) | 14.8866% | 666 |
| Retained earnings to average equity (ytd only) | 1.1371% | 4,935 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1850% | 4,181 |
| Assets per employee ($millions) | 6.4199% | 1,233 |
| Cash dividends to net income (ytd only)* | 92.3621% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 30.8012% | 5,480 |
| Net loans and leases to deposits | 33.7136% | 5,532 |
| Net loans and leases to core deposits | 33.9607% | 5,552 |
| Total domestic deposits to total assets | 91.3616% | 121 |
| Equity capital to assets | 8.3606% | 5,364 |
| Core capital (leverage) ratio | 8.5685% | 5,192 |
| Tier 1 risk-based capital ratio | 22.5837% | 987 |
| Total risk-based capital ratio | 23.3286% | 1,020 |
| Memoranda: | ||
| Average total assets | $196,434,250 | 2,982 |
| Average earning assets | $184,050,500 | 2,948 |
| Average equity | $16,533,500 | 3,566 |
| Average total loans | $60,328,750 | 4,234 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 5,382 |
| Cost of funding earning assets | 0.1234% | 5,487 |
| Net interest margin | 2.9382% | 5,025 |
| Noninterest income to average assets | 0.3671% | 3,930 |
| Noninterest expense to average assets | 1.9123% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2067% | 1,572 |
| Return on assets (ROA) | 1.2067% | 1,605 |
| Pretax return on assets | 1.2067% | 2,744 |
| Return on Equity (ROE) | 14.3045% | 774 |
| Retained earnings to average equity (ytd only) | 1.0910% | 4,808 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3115% | 4,119 |
| Assets per employee ($millions) | 6.1941% | 1,325 |
| Cash dividends to net income (ytd only)* | 92.3729% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 4,556 |
| 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 | 30.1473% | 5,542 |
| Net loans and leases to deposits | 33.0041% | 5,591 |
| Net loans and leases to core deposits | 33.2469% | 5,611 |
| Total domestic deposits to total assets | 91.3440% | 147 |
| Equity capital to assets | 8.3669% | 5,371 |
| Core capital (leverage) ratio | 8.7941% | 4,953 |
| Tier 1 risk-based capital ratio | 22.5597% | 986 |
| Total risk-based capital ratio | 23.2994% | 1,029 |
| Memoranda: | ||
| Average total assets | $195,573,000 | 3,001 |
| Average earning assets | $183,175,330 | 2,973 |
| Average equity | $16,498,330 | 3,579 |
| Average total loans | $59,818,330 | 4,271 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0295% | 5,435 |
| Cost of funding earning assets | 0.1296% | 5,493 |
| Net interest margin | 2.8999% | 5,085 |
| Noninterest income to average assets | 0.3706% | 3,885 |
| Noninterest expense to average assets | 1.8635% | 5,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2252% | 1,441 |
| Return on assets (ROA) | 1.2252% | 1,477 |
| Pretax return on assets | 1.2252% | 2,491 |
| Return on Equity (ROE) | 14.4632% | 733 |
| Retained earnings to average equity (ytd only) | 2.0662% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3333% | 4,417 |
| Assets per employee ($millions) | 6.0968% | 1,429 |
| Cash dividends to net income (ytd only)* | 85.7143% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 30.1611% | 5,585 |
| Net loans and leases to deposits | 33.0542% | 5,639 |
| Net loans and leases to core deposits | 33.3484% | 5,657 |
| Total domestic deposits to total assets | 91.2475% | 226 |
| Equity capital to assets | 8.4788% | 5,254 |
| Core capital (leverage) ratio | 8.6952% | 5,053 |
| Tier 1 risk-based capital ratio | 23.1453% | 958 |
| Total risk-based capital ratio | 23.9044% | 994 |
| Memoranda: | ||
| Average total assets | $194,254,500 | 3,049 |
| Average earning assets | $182,073,500 | 3,012 |
| Average equity | $16,455,500 | 3,609 |
| Average total loans | $59,572,500 | 4,315 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0254% | 5,481 |
| Cost of funding earning assets | 0.1288% | 5,557 |
| Net interest margin | 2.8965% | 5,144 |
| Noninterest income to average assets | 0.3728% | 4,081 |
| Noninterest expense to average assets | 1.9350% | 5,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1557% | 1,672 |
| Return on assets (ROA) | 1.1557% | 1,767 |
| Pretax return on assets | 1.1557% | 2,871 |
| Return on Equity (ROE) | 13.2934% | 925 |
| Retained earnings to average equity (ytd only) | 1.5425% | 4,642 |
| Net charge-offs to loans | 0.0101% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 364.8333% | 222 |
| Efficiency ratio | 62.6068% | 4,159 |
| Assets per employee ($millions) | 5.8609% | 1,572 |
| Cash dividends to net income (ytd only)* | 88.3965% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,656 |
| 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 | 30.6039% | 5,631 |
| Net loans and leases to deposits | 33.5563% | 5,684 |
| Net loans and leases to core deposits | 34.2441% | 5,701 |
| Total domestic deposits to total assets | 91.2016% | 224 |
| Equity capital to assets | 8.4634% | 5,299 |
| Core capital (leverage) ratio | 8.7429% | 5,030 |
| Tier 1 risk-based capital ratio | 22.4024% | 1,030 |
| Total risk-based capital ratio | 23.1409% | 1,072 |
| Memoranda: | ||
| Average total assets | $189,401,200 | 3,065 |
| Average earning assets | $177,730,600 | 3,038 |
| Average equity | $16,466,800 | 3,627 |
| Average total loans | $59,494,200 | 4,317 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0402% | 5,538 |
| Cost of funding earning assets | 0.1273% | 5,637 |
| Net interest margin | 2.9128% | 5,166 |
| Noninterest income to average assets | 0.3687% | 4,137 |
| Noninterest expense to average assets | 1.9186% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1861% | 1,687 |
| Return on assets (ROA) | 1.1861% | 1,788 |
| Pretax return on assets | 1.1861% | 2,888 |
| Return on Equity (ROE) | 13.5503% | 908 |
| Retained earnings to average equity (ytd only) | 2.7570% | 4,236 |
| Net charge-offs to loans | 0.0090% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 419.2514% | 215 |
| Efficiency ratio | 61.7962% | 4,267 |
| Assets per employee ($millions) | 6.1848% | 1,308 |
| Cash dividends to net income (ytd only)* | 79.6542% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,721 |
| 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 | 30.7166% | 5,700 |
| Net loans and leases to deposits | 33.7295% | 5,760 |
| Net loans and leases to core deposits | 34.3077% | 5,776 |
| Total domestic deposits to total assets | 91.0676% | 178 |
| Equity capital to assets | 8.7003% | 5,396 |
| Core capital (leverage) ratio | 8.9227% | 4,917 |
| Tier 1 risk-based capital ratio | 23.6415% | 931 |
| Total risk-based capital ratio | 24.4196% | 969 |
| Memoranda: | ||
| Average total assets | $188,399,000 | 3,086 |
| Average earning assets | $176,959,000 | 3,053 |
| Average equity | $16,491,250 | 3,659 |
| Average total loans | $59,431,250 | 4,351 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0263% | 5,623 |
| Cost of funding earning assets | 0.1261% | 5,724 |
| Net interest margin | 2.9002% | 5,263 |
| Noninterest income to average assets | 0.3524% | 4,256 |
| Noninterest expense to average assets | 1.9457% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1330% | 1,838 |
| Return on assets (ROA) | 1.1330% | 1,952 |
| Pretax return on assets | 1.1330% | 3,072 |
| Return on Equity (ROE) | 12.9170% | 1,049 |
| Retained earnings to average equity (ytd only) | 3.4210% | 3,716 |
| Net charge-offs to loans | 0.0337% | 2,779 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 106.1000% | 545 |
| Efficiency ratio | 63.1981% | 4,156 |
| Assets per employee ($millions) | 5.7094% | 1,615 |
| Cash dividends to net income (ytd only)* | 73.5156% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 31.1767% | 5,758 |
| Net loans and leases to deposits | 34.2575% | 5,819 |
| Net loans and leases to core deposits | 34.9506% | 5,832 |
| Total domestic deposits to total assets | 91.0068% | 192 |
| Equity capital to assets | 8.8042% | 5,400 |
| Core capital (leverage) ratio | 8.9488% | 4,888 |
| Tier 1 risk-based capital ratio | 23.2530% | 985 |
| Total risk-based capital ratio | 24.0127% | 1,026 |
| Memoranda: | ||
| Average total assets | $187,288,670 | 3,113 |
| Average earning assets | $176,054,330 | 3,083 |
| Average equity | $16,428,000 | 3,677 |
| Average total loans | $59,425,000 | 4,370 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0047% | 5,689 |
| Cost of funding earning assets | 0.1201% | 5,811 |
| Net interest margin | 2.8846% | 5,350 |
| Noninterest income to average assets | 0.3535% | 4,202 |
| Noninterest expense to average assets | 1.9429% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1375% | 1,759 |
| Return on assets (ROA) | 1.1375% | 1,876 |
| Pretax return on assets | 1.1375% | 2,944 |
| Return on Equity (ROE) | 12.9924% | 1,040 |
| Retained earnings to average equity (ytd only) | 6.6308% | 2,070 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0737% | 4,291 |
| Assets per employee ($millions) | 5.8845% | 1,502 |
| Cash dividends to net income (ytd only)* | 48.9642% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 4,839 |
| Loan loss allowance to noncurrent loans | 5,610.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,657 |
| Noncurrent loans to loans | 0.0170% | 5,443 |
| Net loans and leases to total assets | 31.0239% | 5,806 |
| Net loans and leases to deposits | 34.0882% | 5,869 |
| Net loans and leases to core deposits | 34.7776% | 5,880 |
| Total domestic deposits to total assets | 91.0108% | 272 |
| Equity capital to assets | 8.7789% | 5,357 |
| Core capital (leverage) ratio | 9.0278% | 4,818 |
| Tier 1 risk-based capital ratio | 24.8405% | 830 |
| Total risk-based capital ratio | 25.6673% | 862 |
| Memoranda: | ||
| Average total assets | $186,728,000 | 3,129 |
| Average earning assets | $176,523,500 | 3,090 |
| Average equity | $16,348,000 | 3,686 |
| Average total loans | $59,492,000 | 4,388 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1539% | 5,572 |
| Cost of funding earning assets | 0.1275% | 5,837 |
| Net interest margin | 3.0264% | 5,072 |
| Noninterest income to average assets | 0.3875% | 4,130 |
| Noninterest expense to average assets | 1.9955% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2447% | 1,398 |
| Return on assets (ROA) | 1.2204% | 1,545 |
| Pretax return on assets | 1.2204% | 2,590 |
| Return on Equity (ROE) | 13.6305% | 925 |
| Retained earnings to average equity (ytd only) | 0.3325% | 5,380 |
| Net charge-offs to loans | 0.0032% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,129.0000% | 45 |
| Efficiency ratio | 61.5856% | 4,679 |
| Assets per employee ($millions) | 5.7860% | 1,547 |
| Cash dividends to net income (ytd only)* | 97.5610% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 4,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 32.1048% | 5,833 |
| Net loans and leases to deposits | 35.2750% | 5,902 |
| Net loans and leases to core deposits | 35.7459% | 5,925 |
| Total domestic deposits to total assets | 91.0128% | 276 |
| Equity capital to assets | 8.7306% | 5,362 |
| Core capital (leverage) ratio | 8.9201% | 4,981 |
| Tier 1 risk-based capital ratio | 23.8635% | 936 |
| Total risk-based capital ratio | 24.6708% | 954 |
| Memoranda: | ||
| Average total assets | $181,410,600 | 3,146 |
| Average earning assets | $170,994,600 | 3,116 |
| Average equity | $16,243,000 | 3,641 |
| Average total loans | $62,077,400 | 4,319 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1737% | 5,623 |
| Cost of funding earning assets | 0.1285% | 5,924 |
| Net interest margin | 3.0451% | 5,087 |
| Noninterest income to average assets | 0.3879% | 4,168 |
| Noninterest expense to average assets | 2.0176% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2404% | 1,524 |
| Return on assets (ROA) | 1.2079% | 1,692 |
| Pretax return on assets | 1.2079% | 2,792 |
| Return on Equity (ROE) | 13.4048% | 1,028 |
| Retained earnings to average equity (ytd only) | -0.1230% | 5,623 |
| Net charge-offs to loans | 0.0043% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 838.4307% | 88 |
| Efficiency ratio | 61.9274% | 4,582 |
| Assets per employee ($millions) | 5.7201% | 1,578 |
| Cash dividends to net income (ytd only)* | 100.9175% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 5,194 |
| 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 | 33.6158% | 5,873 |
| Net loans and leases to deposits | 36.9773% | 5,955 |
| Net loans and leases to core deposits | 37.4769% | 5,983 |
| Total domestic deposits to total assets | 90.9092% | 266 |
| Equity capital to assets | 8.8663% | 5,429 |
| Core capital (leverage) ratio | 9.0515% | 4,933 |
| Tier 1 risk-based capital ratio | 24.2678% | 920 |
| Total risk-based capital ratio | 25.0922% | 949 |
| Memoranda: | ||
| Average total assets | $180,475,000 | 3,185 |
| Average earning assets | $170,104,750 | 3,147 |
| Average equity | $16,262,500 | 3,664 |
| Average total loans | $62,595,750 | 4,345 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2190% | 5,591 |
| Cost of funding earning assets | 0.1312% | 5,978 |
| Net interest margin | 3.0878% | 4,993 |
| Noninterest income to average assets | 0.3708% | 4,288 |
| Noninterest expense to average assets | 2.0276% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2515% | 1,460 |
| Return on assets (ROA) | 1.2515% | 1,520 |
| Pretax return on assets | 1.2515% | 2,543 |
| Return on Equity (ROE) | 13.8137% | 943 |
| Retained earnings to average equity (ytd only) | -0.5039% | 5,605 |
| Net charge-offs to loans | 0.0064% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 120 |
| Efficiency ratio | 61.8336% | 4,695 |
| Assets per employee ($millions) | 5.7838% | 1,511 |
| Cash dividends to net income (ytd only)* | 103.6477% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 5,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 34.4397% | 5,889 |
| Net loans and leases to deposits | 37.9384% | 5,979 |
| Net loans and leases to core deposits | 38.4623% | 6,004 |
| Total domestic deposits to total assets | 90.7780% | 365 |
| Equity capital to assets | 8.9945% | 5,237 |
| Core capital (leverage) ratio | 9.0556% | 4,886 |
| Tier 1 risk-based capital ratio | 24.2860% | 931 |
| Total risk-based capital ratio | 25.1123% | 958 |
| Memoranda: | ||
| Average total assets | $179,619,330 | 3,219 |
| Average earning assets | $169,181,000 | 3,174 |
| Average equity | $16,273,670 | 3,680 |
| Average total loans | $62,763,670 | 4,379 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3848% | 5,235 |
| Cost of funding earning assets | 0.1302% | 6,057 |
| Net interest margin | 3.2546% | 4,401 |
| Noninterest income to average assets | 0.3782% | 4,174 |
| Noninterest expense to average assets | 2.0203% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4173% | 1,002 |
| Return on assets (ROA) | 1.4173% | 1,057 |
| Pretax return on assets | 1.4173% | 1,827 |
| Return on Equity (ROE) | 15.5870% | 620 |
| Retained earnings to average equity (ytd only) | 2.7406% | 4,311 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7702% | 5,248 |
| Assets per employee ($millions) | 5.7150% | 1,613 |
| Cash dividends to net income (ytd only)* | 82.4176% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 5,072 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 33.1106% | 5,962 |
| Net loans and leases to deposits | 36.4485% | 6,041 |
| Net loans and leases to core deposits | 36.9408% | 6,076 |
| Total domestic deposits to total assets | 90.8421% | 416 |
| Equity capital to assets | 8.9862% | 5,307 |
| Core capital (leverage) ratio | 9.1898% | 4,736 |
| Tier 1 risk-based capital ratio | 19.5337% | 1,730 |
| Total risk-based capital ratio | 20.1946% | 1,850 |
| Memoranda: | ||
| Average total assets | $179,779,500 | 3,234 |
| Average earning assets | $168,990,500 | 3,194 |
| Average equity | $16,347,000 | 3,687 |
| Average total loans | $62,990,000 | 4,394 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1587% | 5,886 |
| Cost of funding earning assets | 0.1414% | 6,149 |
| Net interest margin | 3.0172% | 5,411 |
| Noninterest income to average assets | 0.8106% | 1,830 |
| Noninterest expense to average assets | 1.9061% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7265% | 547 |
| Return on assets (ROA) | 1.7237% | 565 |
| Pretax return on assets | 1.7237% | 931 |
| Return on Equity (ROE) | 18.8204% | 330 |
| Retained earnings to average equity (ytd only) | 0.1660% | 5,702 |
| Net charge-offs to loans | -0.0197% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4717% | 5,953 |
| Assets per employee ($millions) | 5.5212% | 1,751 |
| Cash dividends to net income (ytd only)* | 99.1182% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 5,573 |
| Loan loss allowance to noncurrent loans | 47.9557% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 2,977 |
| Noncurrent loans to loans | 1.8099% | 1,587 |
| Net loans and leases to total assets | 36.3945% | 5,934 |
| Net loans and leases to deposits | 40.2110% | 6,033 |
| Net loans and leases to core deposits | 40.7748% | 6,078 |
| Total domestic deposits to total assets | 90.5087% | 536 |
| Equity capital to assets | 9.2032% | 5,070 |
| Core capital (leverage) ratio | 9.2935% | 4,549 |
| Tier 1 risk-based capital ratio | 24.2970% | 917 |
| Total risk-based capital ratio | 25.1246% | 945 |
| Memoranda: | ||
| Average total assets | $177,641,400 | 3,233 |
| Average earning assets | $166,145,400 | 3,202 |
| Average equity | $16,269,600 | 3,634 |
| Average total loans | $71,152,000 | 4,142 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2002% | 5,899 |
| Cost of funding earning assets | 0.1420% | 6,233 |
| Net interest margin | 3.0582% | 5,364 |
| Noninterest income to average assets | 0.9429% | 1,383 |
| Noninterest expense to average assets | 1.8941% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9068% | 413 |
| Return on assets (ROA) | 1.9031% | 434 |
| Pretax return on assets | 1.9031% | 717 |
| Return on Equity (ROE) | 20.8041% | 238 |
| Retained earnings to average equity (ytd only) | 0.4015% | 5,687 |
| Net charge-offs to loans | -0.0238% | 5,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8324% | 6,107 |
| Assets per employee ($millions) | 5.3511% | 1,861 |
| Cash dividends to net income (ytd only)* | 98.0702% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,709 |
| Loan loss allowance to noncurrent loans | 47.9557% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 3,210 |
| Noncurrent loans to loans | 1.7973% | 1,805 |
| Net loans and leases to total assets | 36.6720% | 6,006 |
| Net loans and leases to deposits | 40.4927% | 6,104 |
| Net loans and leases to core deposits | 41.0596% | 6,149 |
| Total domestic deposits to total assets | 90.5644% | 501 |
| Equity capital to assets | 9.1643% | 5,194 |
| Core capital (leverage) ratio | 9.3994% | 4,516 |
| Tier 1 risk-based capital ratio | 24.5848% | 918 |
| Total risk-based capital ratio | 25.4211% | 947 |
| Memoranda: | ||
| Average total assets | $177,882,250 | 3,259 |
| Average earning assets | $166,237,750 | 3,232 |
| Average equity | $16,272,000 | 3,655 |
| Average total loans | $72,724,000 | 4,130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 5,889 |
| Cost of funding earning assets | 0.1431% | 6,306 |
| Net interest margin | 3.0949% | 5,268 |
| Noninterest income to average assets | 1.1799% | 842 |
| Noninterest expense to average assets | 1.8361% | 6,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2309% | 216 |
| Return on assets (ROA) | 2.2309% | 226 |
| Pretax return on assets | 2.2309% | 340 |
| Return on Equity (ROE) | 24.4024% | 125 |
| Retained earnings to average equity (ytd only) | 3.0549% | 4,262 |
| Net charge-offs to loans | -0.0319% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1462% | 6,384 |
| Assets per employee ($millions) | 5.1620% | 2,014 |
| Cash dividends to net income (ytd only)* | 87.4811% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 5,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 5,418 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 39.8290% | 5,834 |
| Net loans and leases to deposits | 44.0970% | 5,976 |
| Net loans and leases to core deposits | 44.8125% | 6,038 |
| Total domestic deposits to total assets | 90.3212% | 650 |
| Equity capital to assets | 9.3352% | 4,941 |
| Core capital (leverage) ratio | 9.5059% | 4,324 |
| Tier 1 risk-based capital ratio | 25.3611% | 835 |
| Total risk-based capital ratio | 26.2104% | 864 |
| Memoranda: | ||
| Average total assets | $178,314,000 | 3,269 |
| Average earning assets | $166,336,670 | 3,242 |
| Average equity | $16,301,670 | 3,646 |
| Average total loans | $75,191,670 | 4,068 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,654 |
| Cost of funding earning assets | 0.1432% | 6,390 |
| Net interest margin | 3.2533% | 4,730 |
| Noninterest income to average assets | 1.6315% | 465 |
| Noninterest expense to average assets | 1.8963% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.7688% | 114 |
| Return on assets (ROA) | 2.7688% | 119 |
| Pretax return on assets | 2.7688% | 167 |
| Return on Equity (ROE) | 30.6018% | 63 |
| Retained earnings to average equity (ytd only) | 18.3020% | 169 |
| Net charge-offs to loans | -0.0619% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6489% | 6,583 |
| Assets per employee ($millions) | 5.0315% | 2,217 |
| Cash dividends to net income (ytd only)* | 40.1929% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 6,191 |
| Loan loss allowance to noncurrent loans | 56,100.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 4,549 |
| Noncurrent loans to loans | 0.0013% | 6,201 |
| Net loans and leases to total assets | 42.0330% | 5,667 |
| Net loans and leases to deposits | 46.5453% | 5,812 |
| Net loans and leases to core deposits | 47.1219% | 5,926 |
| Total domestic deposits to total assets | 90.3056% | 913 |
| Equity capital to assets | 9.4718% | 4,534 |
| Core capital (leverage) ratio | 9.5952% | 4,139 |
| Tier 1 risk-based capital ratio | 25.5925% | 821 |
| Total risk-based capital ratio | 26.4251% | 854 |
| Memoranda: | ||
| Average total assets | $179,717,000 | 3,281 |
| Average earning assets | $167,581,500 | 3,249 |
| Average equity | $16,260,500 | 3,654 |
| Average total loans | $77,555,500 | 4,013 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 5,668 |
| Cost of funding earning assets | 0.1585% | 6,505 |
| Net interest margin | 3.3283% | 4,563 |
| Noninterest income to average assets | 0.4624% | 4,010 |
| Noninterest expense to average assets | 2.3356% | 5,270 |
| Loan and lease loss provision to assets | 0.0078% | 4,968 |
| Net operating income to assets | 1.2271% | 1,460 |
| Return on assets (ROA) | 1.2271% | 1,525 |
| Pretax return on assets | 1.2271% | 2,470 |
| Return on Equity (ROE) | 13.5263% | 1,058 |
| Retained earnings to average equity (ytd only) | -3.7910% | 6,314 |
| Net charge-offs to loans | -0.0594% | 6,368 |
| Credit loss provision to net charge-offs | -29.1667% | 5,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4146% | 4,670 |
| Assets per employee ($millions) | 5.0926% | 2,076 |
| Cash dividends to net income (ytd only)* | 128.0272% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 6,368 |
| Loan loss allowance to noncurrent loans | 54,900.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 4,708 |
| Noncurrent loans to loans | 0.0012% | 6,313 |
| Net loans and leases to total assets | 43.6258% | 5,706 |
| Net loans and leases to deposits | 49.2542% | 5,815 |
| Net loans and leases to core deposits | 49.8510% | 5,947 |
| Total domestic deposits to total assets | 88.5726% | 1,873 |
| Equity capital to assets | 8.6406% | 5,436 |
| Core capital (leverage) ratio | 8.9801% | 5,035 |
| Tier 1 risk-based capital ratio | 24.7177% | 879 |
| Total risk-based capital ratio | 25.5400% | 914 |
| Memoranda: | ||
| Average total assets | $179,697,000 | 3,276 |
| Average earning assets | $167,803,200 | 3,244 |
| Average equity | $16,301,600 | 3,655 |
| Average total loans | $80,813,200 | 3,910 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5149% | 5,651 |
| Cost of funding earning assets | 0.1613% | 6,588 |
| Net interest margin | 3.3536% | 4,450 |
| Noninterest income to average assets | 0.4683% | 4,009 |
| Noninterest expense to average assets | 2.3237% | 5,260 |
| Loan and lease loss provision to assets | 0.0052% | 4,864 |
| Net operating income to assets | 1.2715% | 1,428 |
| Return on assets (ROA) | 1.2715% | 1,499 |
| Pretax return on assets | 1.2715% | 2,443 |
| Return on Equity (ROE) | 13.8473% | 1,026 |
| Retained earnings to average equity (ytd only) | -3.8009% | 6,428 |
| Net charge-offs to loans | 0.0049% | 5,086 |
| Credit loss provision to net charge-offs | 233.3333% | 1,038 |
| Earnings coverage of net charge-offs (x) | 570.6525% | 100 |
| Efficiency ratio | 64.5402% | 4,715 |
| Assets per employee ($millions) | 5.1619% | 1,974 |
| Cash dividends to net income (ytd only)* | 127.4484% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 6,567 |
| Loan loss allowance to noncurrent loans | 358.3942% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 4,851 |
| Noncurrent loans to loans | 0.1660% | 5,822 |
| Net loans and leases to total assets | 44.1550% | 5,715 |
| Net loans and leases to deposits | 50.3251% | 5,813 |
| Net loans and leases to core deposits | 50.9317% | 5,958 |
| Total domestic deposits to total assets | 87.7397% | 2,278 |
| Equity capital to assets | 8.6979% | 5,524 |
| Core capital (leverage) ratio | 9.2966% | 4,697 |
| Tier 1 risk-based capital ratio | 24.6664% | 916 |
| Total risk-based capital ratio | 25.3936% | 962 |
| Memoranda: | ||
| Average total assets | $178,788,250 | 3,312 |
| Average earning assets | $166,979,000 | 3,286 |
| Average equity | $16,416,750 | 3,683 |
| Average total loans | $80,884,250 | 3,946 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5338% | 5,621 |
| Cost of funding earning assets | 0.1676% | 6,632 |
| Net interest margin | 3.3662% | 4,319 |
| Noninterest income to average assets | 0.4670% | 4,042 |
| Noninterest expense to average assets | 2.4065% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2015% | 1,591 |
| Return on assets (ROA) | 1.2015% | 1,696 |
| Pretax return on assets | 1.2015% | 2,671 |
| Return on Equity (ROE) | 12.8474% | 1,275 |
| Retained earnings to average equity (ytd only) | -6.8237% | 6,557 |
| Net charge-offs to loans | 0.0050% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 82 |
| Efficiency ratio | 66.6981% | 4,412 |
| Assets per employee ($millions) | 4.7439% | 2,459 |
| Cash dividends to net income (ytd only)* | 153.1132% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 6,597 |
| Loan loss allowance to noncurrent loans | 346.4286% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 4,822 |
| Noncurrent loans to loans | 0.1774% | 5,874 |
| Net loans and leases to total assets | 44.6950% | 5,672 |
| Net loans and leases to deposits | 49.6211% | 5,873 |
| Net loans and leases to core deposits | 50.2373% | 6,013 |
| Total domestic deposits to total assets | 90.0725% | 988 |
| Equity capital to assets | 9.1128% | 5,089 |
| Core capital (leverage) ratio | 9.4277% | 4,349 |
| Tier 1 risk-based capital ratio | 25.7636% | 798 |
| Total risk-based capital ratio | 26.5183% | 827 |
| Memoranda: | ||
| Average total assets | $176,442,000 | 3,355 |
| Average earning assets | $164,638,330 | 3,328 |
| Average equity | $16,501,330 | 3,695 |
| Average total loans | $80,331,330 | 3,976 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 5,458 |
| Cost of funding earning assets | 0.1677% | 6,741 |
| Net interest margin | 3.4320% | 3,999 |
| Noninterest income to average assets | 0.4748% | 3,962 |
| Noninterest expense to average assets | 2.4760% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1916% | 1,547 |
| Return on assets (ROA) | 1.1916% | 1,660 |
| Pretax return on assets | 1.1916% | 2,609 |
| Return on Equity (ROE) | 12.5817% | 1,272 |
| Retained earnings to average equity (ytd only) | -13.5844% | 6,714 |
| Net charge-offs to loans | 0.0049% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 527.0000% | 63 |
| Efficiency ratio | 67.5092% | 4,407 |
| Assets per employee ($millions) | 4.6041% | 2,798 |
| Cash dividends to net income (ytd only)* | 207.9696% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 6,680 |
| Loan loss allowance to noncurrent loans | 349.6403% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8625% | 4,229 |
| Noncurrent loans to loans | 0.1777% | 5,961 |
| Net loans and leases to total assets | 44.4414% | 5,615 |
| Net loans and leases to deposits | 49.1781% | 5,838 |
| Net loans and leases to core deposits | 49.7877% | 5,983 |
| Total domestic deposits to total assets | 90.3683% | 836 |
| Equity capital to assets | 9.4190% | 4,976 |
| Core capital (leverage) ratio | 9.3994% | 4,241 |
| Tier 1 risk-based capital ratio | 26.5325% | 741 |
| Total risk-based capital ratio | 27.3116% | 767 |
| Memoranda: | ||
| Average total assets | $176,901,500 | 3,389 |
| Average earning assets | $164,568,500 | 3,364 |
| Average equity | $16,754,500 | 3,705 |
| Average total loans | $81,029,500 | 3,990 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 6,210 |
| Cost of funding earning assets | 0.1814% | 6,870 |
| Net interest margin | 3.4299% | 4,779 |
| Noninterest income to average assets | 0.8246% | 2,159 |
| Noninterest expense to average assets | 2.3085% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6937% | 625 |
| Return on assets (ROA) | 1.9610% | 421 |
| Pretax return on assets | 1.9610% | 654 |
| Return on Equity (ROE) | 21.6815% | 230 |
| Retained earnings to average equity (ytd only) | 7.6847% | 1,245 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6808% | 5,877 |
| Assets per employee ($millions) | 4.7066% | 2,637 |
| Cash dividends to net income (ytd only)* | 64.5563% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5798% | 6,782 |
| Loan loss allowance to noncurrent loans | 154.7771% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 4,110 |
| Noncurrent loans to loans | 0.3746% | 5,558 |
| Net loans and leases to total assets | 46.5952% | 5,562 |
| Net loans and leases to deposits | 53.1439% | 5,728 |
| Net loans and leases to core deposits | 53.8072% | 5,889 |
| Total domestic deposits to total assets | 87.6773% | 2,426 |
| Equity capital to assets | 9.5220% | 4,845 |
| Core capital (leverage) ratio | 9.3686% | 4,304 |
| Tier 1 risk-based capital ratio | 26.0777% | 764 |
| Total risk-based capital ratio | 26.8180% | 794 |
| Memoranda: | ||
| Average total assets | $184,448,000 | 3,253 |
| Average earning assets | $170,881,000 | 3,221 |
| Average equity | $16,682,400 | 3,676 |
| Average total loans | $89,590,000 | 3,756 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 6,540 |
| Cost of funding earning assets | 0.1828% | 6,975 |
| Net interest margin | 3.2913% | 5,424 |
| Noninterest income to average assets | 0.5775% | 3,426 |
| Noninterest expense to average assets | 2.1709% | 6,014 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4549% | 1,116 |
| Return on assets (ROA) | 1.8086% | 627 |
| Pretax return on assets | 1.8086% | 1,027 |
| Return on Equity (ROE) | 20.2540% | 319 |
| Retained earnings to average equity (ytd only) | 7.8333% | 1,690 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8734% | 5,523 |
| Assets per employee ($millions) | 4.9211% | 2,297 |
| Cash dividends to net income (ytd only)* | 61.3248% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 6,930 |
| Loan loss allowance to noncurrent loans | 224.4240% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 4,339 |
| Noncurrent loans to loans | 0.2408% | 6,006 |
| Net loans and leases to total assets | 47.9367% | 5,555 |
| Net loans and leases to deposits | 55.2802% | 5,690 |
| Net loans and leases to core deposits | 55.9461% | 5,892 |
| Total domestic deposits to total assets | 86.7157% | 2,842 |
| Equity capital to assets | 9.0865% | 5,732 |
| Core capital (leverage) ratio | 9.0260% | 5,026 |
| Tier 1 risk-based capital ratio | 25.6593% | 853 |
| Total risk-based capital ratio | 26.4026% | 884 |
| Memoranda: | ||
| Average total assets | $185,847,750 | 3,261 |
| Average earning assets | $172,125,750 | 3,232 |
| Average equity | $16,595,500 | 3,720 |
| Average total loans | $91,032,250 | 3,761 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 6,643 |
| Cost of funding earning assets | 0.1889% | 7,051 |
| Net interest margin | 3.2784% | 5,509 |
| Noninterest income to average assets | 0.5780% | 3,388 |
| Noninterest expense to average assets | 1.9346% | 6,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6747% | 711 |
| Return on assets (ROA) | 1.8678% | 562 |
| Pretax return on assets | 1.8678% | 906 |
| Return on Equity (ROE) | 21.0407% | 290 |
| Retained earnings to average equity (ytd only) | 10.2409% | 907 |
| Net charge-offs to loans | 0.0044% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 776.5000% | 44 |
| Efficiency ratio | 53.6002% | 6,351 |
| Assets per employee ($millions) | 4.9729% | 2,208 |
| Cash dividends to net income (ytd only)* | 51.3279% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 6,996 |
| Loan loss allowance to noncurrent loans | 206.3830% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 4,167 |
| Noncurrent loans to loans | 0.2599% | 6,058 |
| Net loans and leases to total assets | 48.8690% | 5,507 |
| Net loans and leases to deposits | 53.8915% | 5,880 |
| Net loans and leases to core deposits | 54.5212% | 6,056 |
| Total domestic deposits to total assets | 90.6803% | 575 |
| Equity capital to assets | 9.0724% | 5,616 |
| Core capital (leverage) ratio | 9.1618% | 4,668 |
| Tier 1 risk-based capital ratio | 25.5194% | 854 |
| Total risk-based capital ratio | 26.2614% | 887 |
| Memoranda: | ||
| Average total assets | $185,462,670 | 3,275 |
| Average earning assets | $171,486,330 | 3,252 |
| Average equity | $16,463,330 | 3,735 |
| Average total loans | $91,333,000 | 3,772 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5528% | 6,630 |
| Cost of funding earning assets | 0.1969% | 7,113 |
| Net interest margin | 3.3559% | 5,284 |
| Noninterest income to average assets | 0.5886% | 3,305 |
| Noninterest expense to average assets | 1.8540% | 6,731 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8475% | 544 |
| Return on assets (ROA) | 1.8475% | 616 |
| Pretax return on assets | 1.8475% | 980 |
| Return on Equity (ROE) | 21.0417% | 317 |
| Retained earnings to average equity (ytd only) | 15.1941% | 436 |
| Net charge-offs to loans | 0.0044% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 860.0000% | 22 |
| Efficiency ratio | 50.0871% | 6,669 |
| Assets per employee ($millions) | 4.7985% | 2,510 |
| Cash dividends to net income (ytd only)* | 27.7907% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5364% | 7,040 |
| Loan loss allowance to noncurrent loans | 137.6771% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1846% | 4,153 |
| Noncurrent loans to loans | 0.3896% | 5,898 |
| Net loans and leases to total assets | 49.4217% | 5,384 |
| Net loans and leases to deposits | 55.3347% | 5,669 |
| Net loans and leases to core deposits | 55.9966% | 5,903 |
| Total domestic deposits to total assets | 89.3141% | 1,474 |
| Equity capital to assets | 9.1904% | 5,246 |
| Core capital (leverage) ratio | 8.8382% | 5,085 |
| Tier 1 risk-based capital ratio | 24.7929% | 924 |
| Total risk-based capital ratio | 25.5249% | 965 |
| Memoranda: | ||
| Average total assets | $186,195,000 | 3,280 |
| Average earning assets | $172,709,500 | 3,250 |
| Average equity | $16,348,500 | 3,757 |
| Average total loans | $91,798,000 | 3,785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 6,513 |
| Cost of funding earning assets | 0.2914% | 7,119 |
| Net interest margin | 3.6769% | 4,404 |
| Noninterest income to average assets | 0.7062% | 2,565 |
| Noninterest expense to average assets | 2.4900% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6462% | 610 |
| Return on assets (ROA) | 1.6506% | 644 |
| Pretax return on assets | 1.6506% | 1,101 |
| Return on Equity (ROE) | 18.9876% | 316 |
| Retained earnings to average equity (ytd only) | 1.6261% | 5,048 |
| Net charge-offs to loans | 0.1811% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 16.3676% | 1,334 |
| Efficiency ratio | 60.1998% | 5,724 |
| Assets per employee ($millions) | 5.4299% | 1,710 |
| Cash dividends to net income (ytd only)* | 91.4361% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 7,089 |
| Loan loss allowance to noncurrent loans | 122.3618% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 1.1139% | 4,380 |
| Noncurrent loans to loans | 0.4280% | 5,852 |
| Net loans and leases to total assets | 48.6753% | 5,756 |
| Net loans and leases to deposits | 54.4332% | 6,027 |
| Net loans and leases to core deposits | 55.0562% | 6,225 |
| Total domestic deposits to total assets | 89.4221% | 1,307 |
| Equity capital to assets | 8.3869% | 6,263 |
| Core capital (leverage) ratio | 8.3927% | 5,725 |
| Tier 1 risk-based capital ratio | 23.0046% | 1,099 |
| Total risk-based capital ratio | 23.7120% | 1,144 |
| Memoranda: | ||
| Average total assets | $183,934,400 | 3,274 |
| Average earning assets | $171,585,000 | 3,209 |
| Average equity | $15,989,400 | 3,730 |
| Average total loans | $102,168,000 | 3,569 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 6,326 |
| Cost of funding earning assets | 0.3176% | 7,188 |
| Net interest margin | 3.8264% | 3,740 |
| Noninterest income to average assets | 0.7704% | 2,194 |
| Noninterest expense to average assets | 2.2630% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.0825% | 300 |
| Return on assets (ROA) | 2.0883% | 319 |
| Pretax return on assets | 2.0883% | 533 |
| Return on Equity (ROE) | 23.8048% | 169 |
| Retained earnings to average equity (ytd only) | 7.2156% | 1,858 |
| Net charge-offs to loans | 0.0383% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 94.9643% | 377 |
| Efficiency ratio | 52.0774% | 6,666 |
| Assets per employee ($millions) | 5.0884% | 2,078 |
| Cash dividends to net income (ytd only)* | 69.6884% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 7,020 |
| Loan loss allowance to noncurrent loans | 53.2780% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 4,257 |
| Noncurrent loans to loans | 1.2332% | 4,477 |
| Net loans and leases to total assets | 52.9937% | 5,324 |
| Net loans and leases to deposits | 59.7230% | 5,663 |
| Net loans and leases to core deposits | 60.5512% | 5,940 |
| Total domestic deposits to total assets | 88.7325% | 1,594 |
| Equity capital to assets | 8.9905% | 5,767 |
| Core capital (leverage) ratio | 9.0416% | 4,863 |
| Tier 1 risk-based capital ratio | 23.3318% | 1,103 |
| Total risk-based capital ratio | 24.2427% | 1,127 |
| Memoranda: | ||
| Average total assets | $182,406,250 | 3,310 |
| Average earning assets | $170,423,750 | 3,245 |
| Average equity | $16,002,000 | 3,739 |
| Average total loans | $104,461,750 | 3,532 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2328% | 6,210 |
| Cost of funding earning assets | 0.3336% | 7,255 |
| Net interest margin | 3.8991% | 3,313 |
| Noninterest income to average assets | 0.5710% | 3,330 |
| Noninterest expense to average assets | 2.2509% | 6,242 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9643% | 363 |
| Return on assets (ROA) | 1.9731% | 376 |
| Pretax return on assets | 1.9731% | 619 |
| Return on Equity (ROE) | 22.6803% | 211 |
| Retained earnings to average equity (ytd only) | 5.8815% | 2,502 |
| Net charge-offs to loans | 0.0525% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 63.8929% | 515 |
| Efficiency ratio | 53.3993% | 6,677 |
| Assets per employee ($millions) | 5.2443% | 1,824 |
| Cash dividends to net income (ytd only)* | 74.0679% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 7,117 |
| Loan loss allowance to noncurrent loans | 52.8302% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.3224% | 4,260 |
| Noncurrent loans to loans | 1.1778% | 4,684 |
| Net loans and leases to total assets | 57.6859% | 4,692 |
| Net loans and leases to deposits | 63.5585% | 5,333 |
| Net loans and leases to core deposits | 64.4159% | 5,684 |
| Total domestic deposits to total assets | 90.7603% | 603 |
| Equity capital to assets | 9.0109% | 5,565 |
| Core capital (leverage) ratio | 8.9176% | 4,849 |
| Tier 1 risk-based capital ratio | 22.6611% | 1,170 |
| Total risk-based capital ratio | 23.5707% | 1,184 |
| Memoranda: | ||
| Average total assets | $182,147,670 | 3,338 |
| Average earning assets | $170,243,000 | 3,273 |
| Average equity | $15,846,330 | 3,758 |
| Average total loans | $106,710,000 | 3,531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 6,110 |
| Cost of funding earning assets | 0.3608% | 7,301 |
| Net interest margin | 3.9042% | 3,117 |
| Noninterest income to average assets | 0.4585% | 4,201 |
| Noninterest expense to average assets | 2.1231% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.0036% | 349 |
| Return on assets (ROA) | 2.0036% | 365 |
| Pretax return on assets | 2.0036% | 558 |
| Return on Equity (ROE) | 23.4367% | 198 |
| Retained earnings to average equity (ytd only) | 7.1937% | 2,071 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4481% | 6,893 |
| Assets per employee ($millions) | 5.1846% | 1,918 |
| Cash dividends to net income (ytd only)* | 69.3059% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 7,171 |
| Loan loss allowance to noncurrent loans | 39.8104% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2471% | 4,451 |
| Noncurrent loans to loans | 1.5794% | 4,108 |
| Net loans and leases to total assets | 58.5264% | 4,545 |
| Net loans and leases to deposits | 64.8776% | 5,148 |
| Net loans and leases to core deposits | 65.8466% | 5,528 |
| Total domestic deposits to total assets | 90.2105% | 1,019 |
| Equity capital to assets | 8.7501% | 5,575 |
| Core capital (leverage) ratio | 8.5854% | 5,287 |
| Tier 1 risk-based capital ratio | 21.4245% | 1,320 |
| Total risk-based capital ratio | 22.3322% | 1,348 |
| Memoranda: | ||
| Average total assets | $184,068,000 | 3,338 |
| Average earning assets | $172,940,500 | 3,257 |
| Average equity | $15,736,000 | 3,764 |
| Average total loans | $108,314,000 | 3,531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 5,860 |
| Cost of funding earning assets | 0.5776% | 7,168 |
| Net interest margin | 4.1041% | 2,543 |
| Noninterest income to average assets | 0.5712% | 3,664 |
| Noninterest expense to average assets | 2.5781% | 5,509 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7859% | 430 |
| Return on assets (ROA) | 1.8366% | 415 |
| Pretax return on assets | 1.8366% | 707 |
| Return on Equity (ROE) | 20.8730% | 206 |
| Retained earnings to average equity (ytd only) | 4.7608% | 2,570 |
| Net charge-offs to loans | 0.0102% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 281.3636% | 80 |
| Efficiency ratio | 59.0771% | 6,185 |
| Assets per employee ($millions) | 4.7866% | 2,436 |
| Cash dividends to net income (ytd only)* | 77.1913% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6123% | 7,248 |
| Loan loss allowance to noncurrent loans | 44.2396% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.1217% | 4,768 |
| Noncurrent loans to loans | 1.3840% | 4,407 |
| Net loans and leases to total assets | 58.4339% | 4,963 |
| Net loans and leases to deposits | 65.9536% | 5,409 |
| Net loans and leases to core deposits | 66.9256% | 5,783 |
| Total domestic deposits to total assets | 88.5984% | 1,895 |
| Equity capital to assets | 8.3535% | 6,072 |
| Core capital (leverage) ratio | 8.3201% | 5,660 |
| Tier 1 risk-based capital ratio | 20.3741% | 1,421 |
| Total risk-based capital ratio | 21.2529% | 1,459 |
| Memoranda: | ||
| Average total assets | $173,306,600 | 3,477 |
| Average earning assets | $160,155,600 | 3,447 |
| Average equity | $15,249,400 | 3,894 |
| Average total loans | $107,698,200 | 3,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 5,755 |
| Cost of funding earning assets | 0.6260% | 7,240 |
| Net interest margin | 4.1500% | 2,404 |
| Noninterest income to average assets | 0.5883% | 3,516 |
| Noninterest expense to average assets | 2.5573% | 5,480 |
| Loan and lease loss provision to assets | 0.0471% | 6,616 |
| Net operating income to assets | 1.8011% | 500 |
| Return on assets (ROA) | 1.8349% | 509 |
| Pretax return on assets | 1.8349% | 864 |
| Return on Equity (ROE) | 20.5668% | 281 |
| Retained earnings to average equity (ytd only) | 3.7898% | 3,797 |
| Net charge-offs to loans | 0.0149% | 6,468 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 196.3281% | 167 |
| Efficiency ratio | 58.0484% | 6,264 |
| Assets per employee ($millions) | 4.5844% | 2,772 |
| Cash dividends to net income (ytd only)* | 81.5734% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 7,173 |
| Loan loss allowance to noncurrent loans | 47.0968% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 3,744 |
| Noncurrent loans to loans | 1.5171% | 4,361 |
| Net loans and leases to total assets | 56.7353% | 5,453 |
| Net loans and leases to deposits | 62.4136% | 6,074 |
| Net loans and leases to core deposits | 63.4465% | 6,340 |
| Total domestic deposits to total assets | 90.9022% | 483 |
| Equity capital to assets | 8.7874% | 5,875 |
| Core capital (leverage) ratio | 8.9617% | 4,749 |
| Tier 1 risk-based capital ratio | 20.2231% | 1,506 |
| Total risk-based capital ratio | 21.1891% | 1,529 |
| Memoranda: | ||
| Average total assets | $169,964,250 | 3,581 |
| Average earning assets | $156,332,250 | 3,564 |
| Average equity | $15,163,250 | 3,960 |
| Average total loans | $107,184,250 | 3,656 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 4,985 |
| Cost of funding earning assets | 0.6598% | 7,278 |
| Net interest margin | 4.3302% | 1,671 |
| Noninterest income to average assets | 0.5436% | 3,761 |
| Noninterest expense to average assets | 2.5793% | 5,409 |
| Loan and lease loss provision to assets | 0.0718% | 6,227 |
| Net operating income to assets | 1.8692% | 427 |
| Return on assets (ROA) | 1.8692% | 468 |
| Pretax return on assets | 1.8692% | 782 |
| Return on Equity (ROE) | 20.8402% | 267 |
| Retained earnings to average equity (ytd only) | 3.5245% | 3,866 |
| Net charge-offs to loans | 0.0018% | 6,360 |
| Credit loss provision to net charge-offs | 6,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,621.0000% | 10 |
| Efficiency ratio | 57.0596% | 6,503 |
| Assets per employee ($millions) | 4.3962% | 3,058 |
| Cash dividends to net income (ytd only)* | 83.0878% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 7,265 |
| Loan loss allowance to noncurrent loans | 34.2897% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 1.7874% | 3,776 |
| Noncurrent loans to loans | 2.0237% | 3,688 |
| Net loans and leases to total assets | 63.4765% | 4,358 |
| Net loans and leases to deposits | 70.2390% | 5,238 |
| Net loans and leases to core deposits | 71.6553% | 5,711 |
| Total domestic deposits to total assets | 90.3721% | 730 |
| Equity capital to assets | 9.3178% | 4,980 |
| Core capital (leverage) ratio | 9.0110% | 4,583 |
| Tier 1 risk-based capital ratio | 19.3195% | 1,644 |
| Total risk-based capital ratio | 20.2666% | 1,679 |
| Memoranda: | ||
| Average total assets | $167,022,330 | 3,648 |
| Average earning assets | $153,389,330 | 3,650 |
| Average equity | $14,980,670 | 3,997 |
| Average total loans | $108,856,670 | 3,662 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9626% | 5,184 |
| Cost of funding earning assets | 0.6739% | 7,389 |
| Net interest margin | 4.2888% | 1,718 |
| Noninterest income to average assets | 0.5365% | 3,764 |
| Noninterest expense to average assets | 2.5436% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9257% | 396 |
| Return on assets (ROA) | 1.9257% | 434 |
| Pretax return on assets | 1.9257% | 699 |
| Return on Equity (ROE) | 21.8954% | 277 |
| Retained earnings to average equity (ytd only) | 2.8867% | 4,399 |
| Net charge-offs to loans | 0.0073% | 5,493 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 402.0000% | 70 |
| Efficiency ratio | 56.9132% | 6,640 |
| Assets per employee ($millions) | 4.2528% | 3,375 |
| Cash dividends to net income (ytd only)* | 86.8159% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 7,472 |
| Loan loss allowance to noncurrent loans | 53.9683% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 4,940 |
| Noncurrent loans to loans | 1.1513% | 5,066 |
| Net loans and leases to total assets | 65.5738% | 3,960 |
| Net loans and leases to deposits | 72.2946% | 5,008 |
| Net loans and leases to core deposits | 73.6083% | 5,534 |
| Total domestic deposits to total assets | 90.7035% | 652 |
| Equity capital to assets | 9.0378% | 5,222 |
| Core capital (leverage) ratio | 9.0638% | 4,450 |
| Tier 1 risk-based capital ratio | 19.4146% | 1,634 |
| Total risk-based capital ratio | 20.2972% | 1,676 |
| Memoranda: | ||
| Average total assets | $167,005,000 | 3,713 |
| Average earning assets | $153,144,500 | 3,702 |
| Average equity | $14,688,000 | 4,083 |
| Average total loans | $109,893,500 | 3,684 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 5,540 |
| Cost of funding earning assets | 0.8227% | 7,525 |
| Net interest margin | 4.4008% | 1,428 |
| Noninterest income to average assets | 0.7338% | 2,767 |
| Noninterest expense to average assets | 2.6012% | 5,796 |
| Loan and lease loss provision to assets | 0.0210% | 7,292 |
| Net operating income to assets | 2.2009% | 144 |
| Return on assets (ROA) | 2.2123% | 155 |
| Pretax return on assets | 2.2123% | 269 |
| Return on Equity (ROE) | 25.8664% | 82 |
| Retained earnings to average equity (ytd only) | 7.7157% | 769 |
| Net charge-offs to loans | 0.1141% | 6,025 |
| Credit loss provision to net charge-offs | 30.4348% | 6,896 |
| Earnings coverage of net charge-offs (x) | 32.1478% | 724 |
| Efficiency ratio | 53.9315% | 7,236 |
| Assets per employee ($millions) | 4.4250% | 3,057 |
| Cash dividends to net income (ytd only)* | 70.1711% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6181% | 7,533 |
| Loan loss allowance to noncurrent loans | 46.4261% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 4,757 |
| Noncurrent loans to loans | 1.3313% | 4,700 |
| Net loans and leases to total assets | 65.2182% | 4,337 |
| Net loans and leases to deposits | 72.4809% | 5,262 |
| Net loans and leases to core deposits | 81.2508% | 5,982 |
| Total domestic deposits to total assets | 89.9798% | 973 |
| Equity capital to assets | 8.5554% | 5,802 |
| Core capital (leverage) ratio | 9.0808% | 4,286 |
| Tier 1 risk-based capital ratio | 19.0376% | 1,649 |
| Total risk-based capital ratio | 19.9118% | 1,689 |
| Memoranda: | ||
| Average total assets | $166,384,800 | 3,665 |
| Average earning assets | $154,609,200 | 3,622 |
| Average equity | $14,230,800 | 4,203 |
| Average total loans | $100,802,200 | 3,922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 5,504 |
| Cost of funding earning assets | 0.8685% | 7,604 |
| Net interest margin | 4.4169% | 1,397 |
| Noninterest income to average assets | 0.7191% | 2,891 |
| Noninterest expense to average assets | 2.6105% | 5,677 |
| Loan and lease loss provision to assets | 0.0281% | 7,068 |
| Net operating income to assets | 2.1951% | 180 |
| Return on assets (ROA) | 2.2103% | 193 |
| Pretax return on assets | 2.2103% | 339 |
| Return on Equity (ROE) | 25.8449% | 96 |
| Retained earnings to average equity (ytd only) | 8.6150% | 939 |
| Net charge-offs to loans | 0.1544% | 5,172 |
| Credit loss provision to net charge-offs | 30.7018% | 6,505 |
| Earnings coverage of net charge-offs (x) | 24.2713% | 1,093 |
| Efficiency ratio | 54.0060% | 7,234 |
| Assets per employee ($millions) | 4.2569% | 3,276 |
| Cash dividends to net income (ytd only)* | 66.6666% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 7,512 |
| Loan loss allowance to noncurrent loans | 123.2852% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 5,835 |
| Noncurrent loans to loans | 0.5153% | 6,274 |
| Net loans and leases to total assets | 66.0351% | 4,428 |
| Net loans and leases to deposits | 74.4922% | 5,294 |
| Net loans and leases to core deposits | 85.1699% | 5,955 |
| Total domestic deposits to total assets | 88.6470% | 1,365 |
| Equity capital to assets | 9.2598% | 5,081 |
| Core capital (leverage) ratio | 9.2168% | 4,309 |
| Tier 1 risk-based capital ratio | 18.4313% | 1,882 |
| Total risk-based capital ratio | 19.2894% | 1,923 |
| Memoranda: | ||
| Average total assets | $165,943,250 | 3,695 |
| Average earning assets | $154,583,250 | 3,644 |
| Average equity | $14,192,000 | 4,243 |
| Average total loans | $98,416,000 | 4,031 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2555% | 5,839 |
| Cost of funding earning assets | 0.9251% | 7,664 |
| Net interest margin | 4.3304% | 1,574 |
| Noninterest income to average assets | 0.6789% | 3,125 |
| Noninterest expense to average assets | 2.6079% | 5,715 |
| Loan and lease loss provision to assets | 0.0418% | 6,814 |
| Net operating income to assets | 2.0629% | 253 |
| Return on assets (ROA) | 2.0856% | 269 |
| Pretax return on assets | 2.0856% | 452 |
| Return on Equity (ROE) | 25.0544% | 134 |
| Retained earnings to average equity (ytd only) | 7.1215% | 1,537 |
| Net charge-offs to loans | 0.2306% | 4,056 |
| Credit loss provision to net charge-offs | 31.8182% | 6,011 |
| Earnings coverage of net charge-offs (x) | 16.0091% | 1,553 |
| Efficiency ratio | 55.3386% | 7,188 |
| Assets per employee ($millions) | 4.1112% | 3,464 |
| Cash dividends to net income (ytd only)* | 71.5759% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 7,492 |
| Loan loss allowance to noncurrent loans | 112.9721% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.6904% | 5,683 |
| Noncurrent loans to loans | 0.5910% | 6,074 |
| Net loans and leases to total assets | 63.8370% | 5,021 |
| Net loans and leases to deposits | 70.3433% | 5,950 |
| Net loans and leases to core deposits | 79.9677% | 6,411 |
| Total domestic deposits to total assets | 90.7506% | 535 |
| Equity capital to assets | 8.9107% | 5,438 |
| Core capital (leverage) ratio | 8.9271% | 4,743 |
| Tier 1 risk-based capital ratio | 17.9815% | 2,031 |
| Total risk-based capital ratio | 18.8497% | 2,069 |
| Memoranda: | ||
| Average total assets | $167,336,330 | 3,684 |
| Average earning assets | $155,876,000 | 3,634 |
| Average equity | $13,929,670 | 4,319 |
| Average total loans | $95,386,670 | 4,133 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 5,668 |
| Cost of funding earning assets | 0.9887% | 7,687 |
| Net interest margin | 4.3588% | 1,446 |
| Noninterest income to average assets | 0.6369% | 3,292 |
| Noninterest expense to average assets | 2.3344% | 6,420 |
| Loan and lease loss provision to assets | 0.0819% | 5,917 |
| Net operating income to assets | 2.2876% | 198 |
| Return on assets (ROA) | 2.3320% | 210 |
| Pretax return on assets | 2.3320% | 345 |
| Return on Equity (ROE) | 28.9724% | 114 |
| Retained earnings to average equity (ytd only) | 14.3117% | 485 |
| Net charge-offs to loans | 0.0393% | 4,948 |
| Credit loss provision to net charge-offs | 388.8889% | 1,326 |
| Earnings coverage of net charge-offs (x) | 112.4444% | 386 |
| Efficiency ratio | 49.6267% | 7,609 |
| Assets per employee ($millions) | 4.3393% | 3,000 |
| Cash dividends to net income (ytd only)* | 50.6024% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7924% | 7,185 |
| Loan loss allowance to noncurrent loans | 58.6746% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 5,235 |
| Noncurrent loans to loans | 1.3505% | 4,287 |
| Net loans and leases to total assets | 56.8393% | 6,123 |
| Net loans and leases to deposits | 62.1052% | 6,732 |
| Net loans and leases to core deposits | 69.5564% | 7,049 |
| Total domestic deposits to total assets | 91.5210% | 272 |
| Equity capital to assets | 8.2359% | 6,487 |
| Core capital (leverage) ratio | 8.5087% | 5,516 |
| Tier 1 risk-based capital ratio | 17.6375% | 2,143 |
| Total risk-based capital ratio | 18.6131% | 2,173 |
| Memoranda: | ||
| Average total assets | $170,837,000 | 3,638 |
| Average earning assets | $159,402,000 | 3,582 |
| Average equity | $13,751,000 | 4,390 |
| Average total loans | $91,559,500 | 4,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6622% | 6,896 |
| Cost of funding earning assets | 1.5023% | 7,606 |
| Net interest margin | 4.1599% | 2,463 |
| Noninterest income to average assets | 0.9106% | 1,918 |
| Noninterest expense to average assets | 2.5438% | 5,846 |
| Loan and lease loss provision to assets | 0.0293% | 7,038 |
| Net operating income to assets | 2.2086% | 233 |
| Return on assets (ROA) | 2.2201% | 223 |
| Pretax return on assets | 2.2201% | 379 |
| Return on Equity (ROE) | 29.4138% | 69 |
| Retained earnings to average equity (ytd only) | 13.8964% | 122 |
| Net charge-offs to loans | 0.0076% | 6,841 |
| Credit loss provision to net charge-offs | 920.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 702.4000% | 78 |
| Efficiency ratio | 53.1983% | 7,357 |
| Assets per employee ($millions) | 4.2026% | 3,112 |
| Cash dividends to net income (ytd only)* | 52.7555% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,616 |
| Loan loss allowance to noncurrent loans | 56.1533% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8072% | 4,827 |
| Noncurrent loans to loans | 1.6218% | 3,336 |
| Net loans and leases to total assets | 49.3224% | 7,085 |
| Net loans and leases to deposits | 53.7551% | 7,453 |
| Net loans and leases to core deposits | 60.0549% | 7,587 |
| Total domestic deposits to total assets | 91.7539% | 168 |
| Equity capital to assets | 7.8564% | 7,038 |
| Core capital (leverage) ratio | 7.8816% | 6,680 |
| Tier 1 risk-based capital ratio | 16.7523% | 2,401 |
| Total risk-based capital ratio | 17.7531% | 2,414 |
| Memoranda: | ||
| Average total assets | $156,929,200 | 3,775 |
| Average earning assets | $146,038,400 | 3,721 |
| Average equity | $11,844,800 | 4,877 |
| Average total loans | $65,958,800 | 5,019 |