Home > First National Bank of Chadron > Performance and Condition Ratios
First National Bank of Chadron, Performance and Condition Ratios
| 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 | 3.3845% | 3,220 |
| Cost of funding earning assets | 0.5257% | 1,063 |
| Net interest margin | 2.8588% | 3,660 |
| Noninterest income to average assets | 1.3382% | 660 |
| Noninterest expense to average assets | 2.3059% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3505% | 1,705 |
| Return on assets (ROA) | 1.3505% | 1,788 |
| Pretax return on assets | 1.6785% | 1,532 |
| Return on Equity (ROE) | 9.0054% | 3,096 |
| Retained earnings to average equity (ytd only) | 9.0054% | 1,707 |
| Net charge-offs to loans | 0.0372% | 1,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 102.3333% | 739 |
| Efficiency ratio | 57.8731% | 3,303 |
| Assets per employee ($millions) | 5.5622% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,788 |
| 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 | 43.2963% | 4,088 |
| Net loans and leases to deposits | 56.8081% | 3,652 |
| Net loans and leases to core deposits | 61.0874% | 3,533 |
| Total domestic deposits to total assets | 76.2151% | 4,550 |
| Equity capital to assets | 14.8416% | 556 |
| Core capital (leverage) ratio | 13.2779% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8700% | 716 |
| Memoranda: | ||
| Average total assets | $146,317,333 | 3,557 |
| Average earning assets | $135,440,000 | 3,566 |
| Average equity | $21,942,333 | 3,094 |
| Average total loans | $64,456,667 | 3,826 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 3,154 |
| Cost of funding earning assets | 0.5574% | 1,062 |
| Net interest margin | 2.8558% | 3,625 |
| Noninterest income to average assets | 1.6290% | 530 |
| Noninterest expense to average assets | 2.3299% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5597% | 1,197 |
| Return on assets (ROA) | 1.5597% | 1,261 |
| Pretax return on assets | 1.9392% | 1,049 |
| Return on Equity (ROE) | 10.3450% | 2,580 |
| Retained earnings to average equity (ytd only) | 10.3450% | 1,564 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5750% | 3,727 |
| Assets per employee ($millions) | 5.4206% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,671 |
| 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 | 43.8879% | 4,122 |
| Net loans and leases to deposits | 57.5797% | 3,671 |
| Net loans and leases to core deposits | 61.8720% | 3,582 |
| Total domestic deposits to total assets | 76.2212% | 4,571 |
| Equity capital to assets | 14.9825% | 498 |
| Core capital (leverage) ratio | 13.4893% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2608% | 567 |
| Memoranda: | ||
| Average total assets | $144,386,500 | 3,583 |
| Average earning assets | $133,484,500 | 3,591 |
| Average equity | $21,769,000 | 3,097 |
| Average total loans | $63,697,000 | 3,853 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 1,992 |
| Cost of funding earning assets | 0.7755% | 1,321 |
| Net interest margin | 3.4770% | 2,543 |
| Noninterest income to average assets | 0.5232% | 2,533 |
| Noninterest expense to average assets | 2.5121% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9745% | 2,384 |
| Return on assets (ROA) | 1.0019% | 2,428 |
| Pretax return on assets | 1.2290% | 2,230 |
| Return on Equity (ROE) | 6.4178% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.5162% | 2,523 |
| Net charge-offs to loans | -0.0093% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7542% | 2,263 |
| Assets per employee ($millions) | 4.9109% | 3,493 |
| Cash dividends to net income (ytd only)* | 29.6296% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 1,417 |
| 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 | 42.9931% | 4,301 |
| Net loans and leases to deposits | 57.1070% | 3,936 |
| Net loans and leases to core deposits | 61.1001% | 3,882 |
| Total domestic deposits to total assets | 75.2851% | 4,555 |
| Equity capital to assets | 15.1739% | 544 |
| Core capital (leverage) ratio | 13.3203% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1445% | 651 |
| Memoranda: | ||
| Average total assets | $134,748,800 | 3,568 |
| Average earning assets | $123,411,800 | 3,590 |
| Average equity | $21,035,400 | 3,092 |
| Average total loans | $64,635,400 | 3,837 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 1,745 |
| Cost of funding earning assets | 0.8165% | 1,412 |
| Net interest margin | 3.6214% | 2,191 |
| Noninterest income to average assets | 0.5741% | 2,278 |
| Noninterest expense to average assets | 2.5515% | 2,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0922% | 2,006 |
| Return on assets (ROA) | 1.1292% | 2,005 |
| Pretax return on assets | 1.3802% | 1,795 |
| Return on Equity (ROE) | 7.1797% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.2651% | 2,444 |
| Net charge-offs to loans | -0.0082% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6508% | 2,512 |
| Assets per employee ($millions) | 4.7534% | 3,535 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,224 |
| Loan loss allowance to noncurrent loans | 544.6328% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 3,784 |
| Noncurrent loans to loans | 0.2851% | 3,266 |
| Net loans and leases to total assets | 44.3347% | 4,404 |
| Net loans and leases to deposits | 59.8861% | 4,062 |
| Net loans and leases to core deposits | 64.7268% | 3,969 |
| Total domestic deposits to total assets | 74.0317% | 4,564 |
| Equity capital to assets | 15.6156% | 523 |
| Core capital (leverage) ratio | 13.6278% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5884% | 615 |
| Memoranda: | ||
| Average total assets | $132,832,000 | 3,580 |
| Average earning assets | $121,498,000 | 3,600 |
| Average equity | $20,891,750 | 3,102 |
| Average total loans | $65,245,500 | 3,841 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 1,641 |
| Cost of funding earning assets | 0.8570% | 1,567 |
| Net interest margin | 3.7485% | 1,999 |
| Noninterest income to average assets | 0.6450% | 1,954 |
| Noninterest expense to average assets | 2.5679% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2360% | 1,528 |
| Return on assets (ROA) | 1.2885% | 1,502 |
| Pretax return on assets | 1.5630% | 1,314 |
| Return on Equity (ROE) | 8.1720% | 2,678 |
| Retained earnings to average equity (ytd only) | 6.2378% | 1,966 |
| Net charge-offs to loans | -0.0090% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1421% | 2,937 |
| Assets per employee ($millions) | 4.5525% | 3,718 |
| Cash dividends to net income (ytd only)* | 23.6686% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,723 |
| Loan loss allowance to noncurrent loans | 426.1062% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,696 |
| Noncurrent loans to loans | 0.3196% | 3,241 |
| Net loans and leases to total assets | 51.0789% | 4,092 |
| Net loans and leases to deposits | 69.1943% | 3,482 |
| Net loans and leases to core deposits | 74.1082% | 3,452 |
| Total domestic deposits to total assets | 73.8195% | 4,608 |
| Equity capital to assets | 15.6376% | 522 |
| Core capital (leverage) ratio | 13.7712% | 803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4076% | 727 |
| Memoranda: | ||
| Average total assets | $131,159,667 | 3,585 |
| Average earning assets | $119,726,667 | 3,603 |
| Average equity | $20,680,333 | 3,115 |
| Average total loans | $66,301,000 | 3,829 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 1,296 |
| Cost of funding earning assets | 0.9358% | 1,715 |
| Net interest margin | 3.9215% | 1,600 |
| Noninterest income to average assets | 0.5792% | 2,136 |
| Noninterest expense to average assets | 2.6126% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2518% | 1,375 |
| Return on assets (ROA) | 1.2518% | 1,478 |
| Pretax return on assets | 1.5290% | 1,236 |
| Return on Equity (ROE) | 7.9048% | 2,554 |
| Retained earnings to average equity (ytd only) | 5.9385% | 1,896 |
| Net charge-offs to loans | -0.0062% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0827% | 3,358 |
| Assets per employee ($millions) | 4.2927% | 3,539 |
| Cash dividends to net income (ytd only)* | 24.8756% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,405 |
| Loan loss allowance to noncurrent loans | 561.9883% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,977 |
| Noncurrent loans to loans | 0.2636% | 3,549 |
| Net loans and leases to total assets | 49.6249% | 4,259 |
| Net loans and leases to deposits | 68.1642% | 3,721 |
| Net loans and leases to core deposits | 72.5288% | 3,727 |
| Total domestic deposits to total assets | 72.8021% | 4,738 |
| Equity capital to assets | 15.7320% | 626 |
| Core capital (leverage) ratio | 14.1280% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8146% | 767 |
| Memoranda: | ||
| Average total assets | $128,452,000 | 3,601 |
| Average earning assets | $116,690,500 | 3,617 |
| Average equity | $20,342,000 | 3,138 |
| Average total loans | $64,089,500 | 3,882 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 1,682 |
| Cost of funding earning assets | 0.9543% | 1,935 |
| Net interest margin | 3.9708% | 1,939 |
| Noninterest income to average assets | 0.4889% | 2,804 |
| Noninterest expense to average assets | 2.6912% | 2,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9668% | 2,963 |
| Return on assets (ROA) | 0.9668% | 3,050 |
| Pretax return on assets | 1.4019% | 2,152 |
| Return on Equity (ROE) | 6.1484% | 3,866 |
| Retained earnings to average equity (ytd only) | 5.6444% | 2,067 |
| Net charge-offs to loans | -0.0140% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7502% | 2,812 |
| Assets per employee ($millions) | 4.1330% | 3,715 |
| Cash dividends to net income (ytd only)* | 8.1967% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,175 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,402 |
| Noncurrent loans to loans | 0.0948% | 4,145 |
| Net loans and leases to total assets | 48.6646% | 4,391 |
| Net loans and leases to deposits | 67.6394% | 3,846 |
| Net loans and leases to core deposits | 72.2873% | 3,839 |
| Total domestic deposits to total assets | 71.9471% | 4,867 |
| Equity capital to assets | 15.9411% | 617 |
| Core capital (leverage) ratio | 14.1403% | 896 |
| Tier 1 risk-based capital ratio | 19.4075% | 1,435 |
| Total risk-based capital ratio | 20.4779% | 1,436 |
| Memoranda: | ||
| Average total assets | $126,189,200 | 3,614 |
| Average earning assets | $114,535,200 | 3,638 |
| Average equity | $19,842,600 | 3,149 |
| Average total loans | $64,165,600 | 3,903 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 1,600 |
| Cost of funding earning assets | 0.9438% | 2,017 |
| Net interest margin | 4.0343% | 1,819 |
| Noninterest income to average assets | 0.5059% | 2,690 |
| Noninterest expense to average assets | 2.7131% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1720% | 2,297 |
| Return on assets (ROA) | 1.1720% | 2,380 |
| Pretax return on assets | 1.4563% | 2,094 |
| Return on Equity (ROE) | 7.4797% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.8028% | 1,949 |
| Net charge-offs to loans | -0.0124% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0725% | 2,848 |
| Assets per employee ($millions) | 3.9482% | 3,967 |
| Cash dividends to net income (ytd only)* | 9.0498% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 997 |
| Loan loss allowance to noncurrent loans | 517.2973% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 4,011 |
| Noncurrent loans to loans | 0.3092% | 3,419 |
| Net loans and leases to total assets | 46.6033% | 4,572 |
| Net loans and leases to deposits | 63.8875% | 4,177 |
| Net loans and leases to core deposits | 67.9484% | 4,178 |
| Total domestic deposits to total assets | 72.9459% | 4,870 |
| Equity capital to assets | 16.0737% | 620 |
| Core capital (leverage) ratio | 14.2392% | 921 |
| Tier 1 risk-based capital ratio | 19.8441% | 1,388 |
| Total risk-based capital ratio | 20.9425% | 1,385 |
| Memoranda: | ||
| Average total assets | $125,706,000 | 3,654 |
| Average earning assets | $114,151,250 | 3,677 |
| Average equity | $19,697,250 | 3,182 |
| Average total loans | $64,379,500 | 3,934 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9907% | 1,509 |
| Cost of funding earning assets | 0.9133% | 2,083 |
| Net interest margin | 4.0774% | 1,679 |
| Noninterest income to average assets | 0.5148% | 2,591 |
| Noninterest expense to average assets | 2.6918% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2272% | 2,046 |
| Return on assets (ROA) | 1.2272% | 2,107 |
| Pretax return on assets | 1.5300% | 1,759 |
| Return on Equity (ROE) | 7.9000% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.9000% | 1,435 |
| Net charge-offs to loans | -0.0121% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7599% | 3,168 |
| Assets per employee ($millions) | 4.0885% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,408 |
| Loan loss allowance to noncurrent loans | 1,326.3889% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 4,474 |
| Noncurrent loans to loans | 0.1095% | 4,185 |
| Net loans and leases to total assets | 51.1334% | 4,403 |
| Net loans and leases to deposits | 69.9266% | 3,849 |
| Net loans and leases to core deposits | 73.8982% | 3,900 |
| Total domestic deposits to total assets | 73.1244% | 4,896 |
| Equity capital to assets | 15.8170% | 644 |
| Core capital (leverage) ratio | 13.9110% | 992 |
| Tier 1 risk-based capital ratio | 18.5444% | 1,652 |
| Total risk-based capital ratio | 19.5827% | 1,675 |
| Memoranda: | ||
| Average total assets | $125,493,670 | 3,683 |
| Average earning assets | $114,092,670 | 3,701 |
| Average equity | $19,493,670 | 3,196 |
| Average total loans | $65,893,670 | 3,928 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 1,384 |
| Cost of funding earning assets | 0.8617% | 2,201 |
| Net interest margin | 4.1179% | 1,504 |
| Noninterest income to average assets | 0.5574% | 2,242 |
| Noninterest expense to average assets | 2.7485% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3198% | 1,627 |
| Return on assets (ROA) | 1.3198% | 1,671 |
| Pretax return on assets | 1.5440% | 1,624 |
| Return on Equity (ROE) | 8.5757% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.5757% | 1,459 |
| Net charge-offs to loans | -0.0121% | 4,299 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0299% | 3,239 |
| Assets per employee ($millions) | 4.0045% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,471 |
| Loan loss allowance to noncurrent loans | 858.5586% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 4,365 |
| Noncurrent loans to loans | 0.1702% | 3,987 |
| Net loans and leases to total assets | 51.7811% | 4,353 |
| Net loans and leases to deposits | 70.7341% | 3,716 |
| Net loans and leases to core deposits | 74.3666% | 3,777 |
| Total domestic deposits to total assets | 73.2053% | 4,986 |
| Equity capital to assets | 15.7242% | 617 |
| Core capital (leverage) ratio | 13.8109% | 1,000 |
| Tier 1 risk-based capital ratio | 18.6713% | 1,613 |
| Total risk-based capital ratio | 19.7370% | 1,614 |
| Memoranda: | ||
| Average total assets | $124,869,000 | 3,723 |
| Average earning assets | $113,261,000 | 3,760 |
| Average equity | $19,217,000 | 3,236 |
| Average total loans | $65,959,000 | 3,966 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 1,094 |
| Cost of funding earning assets | 0.7781% | 1,644 |
| Net interest margin | 4.2019% | 1,387 |
| Noninterest income to average assets | 0.5144% | 2,753 |
| Noninterest expense to average assets | 2.6882% | 3,066 |
| Loan and lease loss provision to assets | 0.0008% | 4,075 |
| Net operating income to assets | 1.0979% | 2,605 |
| Return on assets (ROA) | 1.1133% | 2,543 |
| Pretax return on assets | 1.6309% | 1,375 |
| Return on Equity (ROE) | 7.4653% | 3,670 |
| Retained earnings to average equity (ytd only) | 5.8329% | 2,276 |
| Net charge-offs to loans | 0.0171% | 3,117 |
| Credit loss provision to net charge-offs | 8.3333% | 3,435 |
| Earnings coverage of net charge-offs (x) | 165.5833% | 522 |
| Efficiency ratio | 62.5094% | 3,434 |
| Assets per employee ($millions) | 4.0515% | 3,826 |
| Cash dividends to net income (ytd only)* | 21.8659% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 1,538 |
| Loan loss allowance to noncurrent loans | 1,132.1429% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,497 |
| Noncurrent loans to loans | 0.1260% | 4,165 |
| Net loans and leases to total assets | 52.3360% | 4,391 |
| Net loans and leases to deposits | 70.5555% | 3,790 |
| Net loans and leases to core deposits | 74.0737% | 3,847 |
| Total domestic deposits to total assets | 74.1771% | 4,939 |
| Equity capital to assets | 15.0592% | 697 |
| Core capital (leverage) ratio | 13.3952% | 1,111 |
| Tier 1 risk-based capital ratio | 17.8716% | 1,791 |
| Total risk-based capital ratio | 18.9153% | 1,808 |
| Memoranda: | ||
| Average total assets | $123,241,800 | 3,742 |
| Average earning assets | $111,044,600 | 3,789 |
| Average equity | $18,378,400 | 3,260 |
| Average total loans | $70,191,600 | 3,868 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 989 |
| Cost of funding earning assets | 0.7590% | 1,541 |
| Net interest margin | 4.2115% | 1,322 |
| Noninterest income to average assets | 0.5229% | 2,725 |
| Noninterest expense to average assets | 2.7165% | 2,931 |
| Loan and lease loss provision to assets | 0.0011% | 3,934 |
| Net operating income to assets | 1.1653% | 2,389 |
| Return on assets (ROA) | 1.1653% | 2,392 |
| Pretax return on assets | 1.5991% | 1,583 |
| Return on Equity (ROE) | 7.8341% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.3726% | 2,445 |
| Net charge-offs to loans | 0.0319% | 2,450 |
| Credit loss provision to net charge-offs | 5.8824% | 3,069 |
| Earnings coverage of net charge-offs (x) | 86.5734% | 840 |
| Efficiency ratio | 62.9313% | 3,349 |
| Assets per employee ($millions) | 3.9734% | 3,931 |
| Cash dividends to net income (ytd only)* | 18.6567% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 1,651 |
| Loan loss allowance to noncurrent loans | 1,028.2609% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,601 |
| Noncurrent loans to loans | 0.1374% | 4,264 |
| Net loans and leases to total assets | 53.5872% | 4,388 |
| Net loans and leases to deposits | 72.5915% | 3,720 |
| Net loans and leases to core deposits | 76.1745% | 3,789 |
| Total domestic deposits to total assets | 73.8202% | 4,994 |
| Equity capital to assets | 15.0891% | 694 |
| Core capital (leverage) ratio | 13.4958% | 1,107 |
| Tier 1 risk-based capital ratio | 17.1971% | 2,024 |
| Total risk-based capital ratio | 18.2085% | 2,073 |
| Memoranda: | ||
| Average total assets | $122,652,750 | 3,788 |
| Average earning assets | $110,489,000 | 3,834 |
| Average equity | $18,244,500 | 3,292 |
| Average total loans | $71,068,500 | 3,883 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 989 |
| Cost of funding earning assets | 0.7296% | 1,471 |
| Net interest margin | 4.1832% | 1,328 |
| Noninterest income to average assets | 0.5389% | 2,644 |
| Noninterest expense to average assets | 2.7123% | 2,972 |
| Loan and lease loss provision to assets | 0.0016% | 3,767 |
| Net operating income to assets | 1.0973% | 2,593 |
| Return on assets (ROA) | 1.0973% | 2,602 |
| Pretax return on assets | 1.5888% | 1,535 |
| Return on Equity (ROE) | 7.4129% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.3098% | 2,411 |
| Net charge-offs to loans | 0.0580% | 1,776 |
| Credit loss provision to net charge-offs | 4.7619% | 2,750 |
| Earnings coverage of net charge-offs (x) | 46.3810% | 1,186 |
| Efficiency ratio | 63.0361% | 3,469 |
| Assets per employee ($millions) | 3.7413% | 4,292 |
| Cash dividends to net income (ytd only)* | 14.8810% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,190 |
| Loan loss allowance to noncurrent loans | 961.2245% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,612 |
| Noncurrent loans to loans | 0.1348% | 4,303 |
| Net loans and leases to total assets | 58.1377% | 3,979 |
| Net loans and leases to deposits | 78.7255% | 3,084 |
| Net loans and leases to core deposits | 81.7154% | 3,267 |
| Total domestic deposits to total assets | 73.8486% | 5,056 |
| Equity capital to assets | 14.8791% | 709 |
| Core capital (leverage) ratio | 13.1795% | 1,162 |
| Tier 1 risk-based capital ratio | 16.1170% | 2,399 |
| Total risk-based capital ratio | 17.0788% | 2,442 |
| Memoranda: | ||
| Average total assets | $122,478,670 | 3,818 |
| Average earning assets | $110,203,000 | 3,870 |
| Average equity | $18,130,670 | 3,317 |
| Average total loans | $72,440,670 | 3,887 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8339% | 1,004 |
| Cost of funding earning assets | 0.6942% | 1,472 |
| Net interest margin | 4.1397% | 1,336 |
| Noninterest income to average assets | 0.5279% | 2,644 |
| Noninterest expense to average assets | 2.7150% | 2,995 |
| Loan and lease loss provision to assets | 0.0033% | 3,472 |
| Net operating income to assets | 1.4920% | 1,099 |
| Return on assets (ROA) | 1.4920% | 1,105 |
| Pretax return on assets | 1.5248% | 1,615 |
| Return on Equity (ROE) | 10.1049% | 2,377 |
| Retained earnings to average equity (ytd only) | 7.8841% | 1,885 |
| Net charge-offs to loans | 0.0055% | 2,539 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 466.0000% | 136 |
| Efficiency ratio | 63.9876% | 3,483 |
| Assets per employee ($millions) | 4.2271% | 3,603 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,879 |
| Loan loss allowance to noncurrent loans | 632.8947% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,468 |
| Noncurrent loans to loans | 0.2197% | 3,989 |
| Net loans and leases to total assets | 55.6515% | 4,149 |
| Net loans and leases to deposits | 75.5326% | 3,265 |
| Net loans and leases to core deposits | 78.4176% | 3,459 |
| Total domestic deposits to total assets | 73.6789% | 5,183 |
| Equity capital to assets | 14.7904% | 720 |
| Core capital (leverage) ratio | 13.2458% | 1,092 |
| Tier 1 risk-based capital ratio | 16.0175% | 2,465 |
| Total risk-based capital ratio | 17.0072% | 2,524 |
| Memoranda: | ||
| Average total assets | $121,987,000 | 3,866 |
| Average earning assets | $109,477,500 | 3,921 |
| Average equity | $18,011,000 | 3,356 |
| Average total loans | $72,301,000 | 3,926 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 1,028 |
| Cost of funding earning assets | 0.6298% | 1,417 |
| Net interest margin | 4.1424% | 1,318 |
| Noninterest income to average assets | 0.5239% | 2,854 |
| Noninterest expense to average assets | 2.6345% | 3,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5883% | 668 |
| Return on assets (ROA) | 1.5883% | 683 |
| Pretax return on assets | 1.6229% | 1,233 |
| Return on Equity (ROE) | 10.9685% | 1,500 |
| Retained earnings to average equity (ytd only) | 6.1328% | 1,464 |
| Net charge-offs to loans | -0.0261% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8808% | 3,955 |
| Assets per employee ($millions) | 4.3353% | 3,435 |
| Cash dividends to net income (ytd only)* | 44.0871% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,341 |
| Loan loss allowance to noncurrent loans | 645.6376% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,512 |
| Noncurrent loans to loans | 0.1976% | 4,124 |
| Net loans and leases to total assets | 61.3380% | 3,696 |
| Net loans and leases to deposits | 84.3964% | 2,448 |
| Net loans and leases to core deposits | 87.1699% | 2,804 |
| Total domestic deposits to total assets | 72.6785% | 5,285 |
| Equity capital to assets | 14.7387% | 732 |
| Core capital (leverage) ratio | 12.9616% | 1,156 |
| Tier 1 risk-based capital ratio | 15.0700% | 2,819 |
| Total risk-based capital ratio | 16.0229% | 2,884 |
| Memoranda: | ||
| Average total assets | $121,389,800 | 3,867 |
| Average earning assets | $109,406,000 | 3,929 |
| Average equity | $17,577,600 | 3,416 |
| Average total loans | $72,803,600 | 3,902 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 1,060 |
| Cost of funding earning assets | 0.6214% | 1,398 |
| Net interest margin | 4.1160% | 1,351 |
| Noninterest income to average assets | 0.5415% | 2,768 |
| Noninterest expense to average assets | 2.6306% | 3,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5948% | 727 |
| Return on assets (ROA) | 1.5948% | 746 |
| Pretax return on assets | 1.6289% | 1,317 |
| Return on Equity (ROE) | 11.0630% | 1,675 |
| Retained earnings to average equity (ytd only) | 6.8725% | 1,756 |
| Net charge-offs to loans | -0.0296% | 4,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7586% | 3,921 |
| Assets per employee ($millions) | 3.9578% | 4,058 |
| Cash dividends to net income (ytd only)* | 37.8791% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 2,073 |
| Loan loss allowance to noncurrent loans | 732.0611% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,696 |
| Noncurrent loans to loans | 0.1860% | 4,327 |
| Net loans and leases to total assets | 58.5152% | 4,013 |
| Net loans and leases to deposits | 77.7237% | 3,196 |
| Net loans and leases to core deposits | 80.2462% | 3,433 |
| Total domestic deposits to total assets | 75.2861% | 5,101 |
| Equity capital to assets | 15.0933% | 715 |
| Core capital (leverage) ratio | 12.7441% | 1,318 |
| Tier 1 risk-based capital ratio | 15.4264% | 2,733 |
| Total risk-based capital ratio | 16.4102% | 2,787 |
| Memoranda: | ||
| Average total assets | $121,390,250 | 3,914 |
| Average earning assets | $109,650,000 | 3,963 |
| Average equity | $17,499,250 | 3,461 |
| Average total loans | $72,149,750 | 3,946 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,228 |
| Cost of funding earning assets | 0.6020% | 1,432 |
| Net interest margin | 4.0118% | 1,564 |
| Noninterest income to average assets | 0.5643% | 2,635 |
| Noninterest expense to average assets | 2.6089% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5506% | 789 |
| Return on assets (ROA) | 1.5506% | 808 |
| Pretax return on assets | 1.5849% | 1,389 |
| Return on Equity (ROE) | 10.9225% | 1,677 |
| Retained earnings to average equity (ytd only) | 10.9225% | 452 |
| Net charge-offs to loans | -0.0440% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2075% | 3,956 |
| Assets per employee ($millions) | 3.9535% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2810% | 2,505 |
| Loan loss allowance to noncurrent loans | 705.1471% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,756 |
| Noncurrent loans to loans | 0.1817% | 4,393 |
| Net loans and leases to total assets | 60.2991% | 3,818 |
| Net loans and leases to deposits | 81.4096% | 2,755 |
| Net loans and leases to core deposits | 83.5306% | 3,120 |
| Total domestic deposits to total assets | 74.0688% | 5,286 |
| Equity capital to assets | 14.6640% | 775 |
| Core capital (leverage) ratio | 12.6525% | 1,315 |
| Tier 1 risk-based capital ratio | 15.3659% | 2,773 |
| Total risk-based capital ratio | 16.3429% | 2,822 |
| Memoranda: | ||
| Average total assets | $122,275,330 | 3,924 |
| Average earning assets | $110,624,330 | 3,969 |
| Average equity | $17,358,670 | 3,486 |
| Average total loans | $72,720,670 | 3,955 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,297 |
| Cost of funding earning assets | 0.6005% | 1,370 |
| Net interest margin | 3.9308% | 1,670 |
| Noninterest income to average assets | 0.5993% | 2,419 |
| Noninterest expense to average assets | 2.6234% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4836% | 845 |
| Return on assets (ROA) | 1.4836% | 869 |
| Pretax return on assets | 1.5131% | 1,495 |
| Return on Equity (ROE) | 10.6263% | 1,692 |
| Retained earnings to average equity (ytd only) | 10.6263% | 671 |
| Net charge-offs to loans | 0.0447% | 1,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 826 |
| Efficiency ratio | 63.4204% | 3,928 |
| Assets per employee ($millions) | 3.9293% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,441 |
| Loan loss allowance to noncurrent loans | 850.0000% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,910 |
| Noncurrent loans to loans | 0.1552% | 4,568 |
| Net loans and leases to total assets | 57.4071% | 4,022 |
| Net loans and leases to deposits | 77.1055% | 3,064 |
| Net loans and leases to core deposits | 79.4201% | 3,348 |
| Total domestic deposits to total assets | 74.4526% | 5,383 |
| Equity capital to assets | 14.2477% | 834 |
| Core capital (leverage) ratio | 12.2398% | 1,477 |
| Tier 1 risk-based capital ratio | 14.9282% | 3,000 |
| Total risk-based capital ratio | 15.8849% | 3,070 |
| Memoranda: | ||
| Average total assets | $122,133,500 | 3,961 |
| Average earning assets | $109,902,500 | 4,017 |
| Average equity | $17,052,000 | 3,545 |
| Average total loans | $71,650,500 | 4,015 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 2,028 |
| Cost of funding earning assets | 0.5429% | 1,768 |
| Net interest margin | 3.7931% | 2,342 |
| Noninterest income to average assets | 0.4981% | 3,251 |
| Noninterest expense to average assets | 2.4601% | 4,127 |
| Loan and lease loss provision to assets | 0.0008% | 4,323 |
| Net operating income to assets | 1.4496% | 917 |
| Return on assets (ROA) | 1.4496% | 943 |
| Pretax return on assets | 1.4839% | 1,643 |
| Return on Equity (ROE) | 10.9761% | 1,587 |
| Retained earnings to average equity (ytd only) | 7.6519% | 979 |
| Net charge-offs to loans | 0.0165% | 3,744 |
| Credit loss provision to net charge-offs | 8.3333% | 3,747 |
| Earnings coverage of net charge-offs (x) | 155.0000% | 417 |
| Efficiency ratio | 62.3634% | 4,194 |
| Assets per employee ($millions) | 4.0819% | 3,826 |
| Cash dividends to net income (ytd only)* | 30.2863% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,534 |
| Loan loss allowance to noncurrent loans | 779.3388% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,926 |
| Noncurrent loans to loans | 0.1670% | 4,564 |
| Net loans and leases to total assets | 58.3841% | 4,030 |
| Net loans and leases to deposits | 82.5370% | 2,605 |
| Net loans and leases to core deposits | 84.9283% | 2,937 |
| Total domestic deposits to total assets | 70.7369% | 5,626 |
| Equity capital to assets | 13.6773% | 990 |
| Core capital (leverage) ratio | 12.0025% | 1,599 |
| Tier 1 risk-based capital ratio | 14.2976% | 3,283 |
| Total risk-based capital ratio | 15.2514% | 3,371 |
| Memoranda: | ||
| Average total assets | $125,279,400 | 3,904 |
| Average earning assets | $113,839,400 | 3,933 |
| Average equity | $16,545,000 | 3,620 |
| Average total loans | $72,899,200 | 3,970 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,051 |
| Cost of funding earning assets | 0.5389% | 1,799 |
| Net interest margin | 3.7970% | 2,345 |
| Noninterest income to average assets | 0.4995% | 3,250 |
| Noninterest expense to average assets | 2.4468% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4710% | 930 |
| Return on assets (ROA) | 1.4710% | 974 |
| Pretax return on assets | 1.5049% | 1,696 |
| Return on Equity (ROE) | 11.2361% | 1,579 |
| Retained earnings to average equity (ytd only) | 8.8111% | 874 |
| Net charge-offs to loans | 0.0201% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 129.2399% | 532 |
| Efficiency ratio | 61.9175% | 4,246 |
| Assets per employee ($millions) | 4.0101% | 3,948 |
| Cash dividends to net income (ytd only)* | 21.5827% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,303 |
| Loan loss allowance to noncurrent loans | 731.0078% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 5,001 |
| Noncurrent loans to loans | 0.1885% | 4,592 |
| Net loans and leases to total assets | 56.1153% | 4,299 |
| Net loans and leases to deposits | 74.8370% | 3,516 |
| Net loans and leases to core deposits | 76.4161% | 3,797 |
| Total domestic deposits to total assets | 74.9834% | 5,343 |
| Equity capital to assets | 14.1658% | 980 |
| Core capital (leverage) ratio | 11.6187% | 1,943 |
| Tier 1 risk-based capital ratio | 14.8389% | 3,131 |
| Total risk-based capital ratio | 15.8414% | 3,180 |
| Memoranda: | ||
| Average total assets | $125,984,750 | 3,919 |
| Average earning assets | $114,543,250 | 3,940 |
| Average equity | $16,494,000 | 3,657 |
| Average total loans | $73,014,250 | 3,990 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2762% | 2,232 |
| Cost of funding earning assets | 0.5245% | 1,910 |
| Net interest margin | 3.7517% | 2,510 |
| Noninterest income to average assets | 0.4833% | 3,311 |
| Noninterest expense to average assets | 2.4038% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4717% | 940 |
| Return on assets (ROA) | 1.4717% | 986 |
| Pretax return on assets | 1.5030% | 1,666 |
| Return on Equity (ROE) | 11.5380% | 1,463 |
| Retained earnings to average equity (ytd only) | 9.6988% | 660 |
| Net charge-offs to loans | 0.0295% | 2,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 87.3636% | 650 |
| Efficiency ratio | 61.5292% | 4,419 |
| Assets per employee ($millions) | 4.2302% | 3,503 |
| Cash dividends to net income (ytd only)* | 15.9405% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 3,009 |
| Loan loss allowance to noncurrent loans | 596.8354% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 5,010 |
| Noncurrent loans to loans | 0.2112% | 4,596 |
| Net loans and leases to total assets | 58.2207% | 4,094 |
| Net loans and leases to deposits | 83.8678% | 2,482 |
| Net loans and leases to core deposits | 85.9778% | 2,902 |
| Total domestic deposits to total assets | 69.4196% | 5,802 |
| Equity capital to assets | 13.2414% | 1,359 |
| Core capital (leverage) ratio | 10.9272% | 2,511 |
| Tier 1 risk-based capital ratio | 13.7203% | 3,757 |
| Total risk-based capital ratio | 14.6676% | 3,866 |
| Memoranda: | ||
| Average total assets | $127,878,330 | 3,920 |
| Average earning assets | $116,693,670 | 3,940 |
| Average equity | $16,311,330 | 3,693 |
| Average total loans | $74,535,000 | 3,987 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 2,485 |
| Cost of funding earning assets | 0.5161% | 1,977 |
| Net interest margin | 3.6812% | 2,750 |
| Noninterest income to average assets | 0.4923% | 3,175 |
| Noninterest expense to average assets | 2.4025% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4116% | 1,021 |
| Return on assets (ROA) | 1.4116% | 1,075 |
| Pretax return on assets | 1.4459% | 1,760 |
| Return on Equity (ROE) | 11.2792% | 1,505 |
| Retained earnings to average equity (ytd only) | 11.2792% | 604 |
| Net charge-offs to loans | 0.0591% | 1,915 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 42.1818% | 983 |
| Efficiency ratio | 62.4291% | 4,384 |
| Assets per employee ($millions) | 4.0969% | 3,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 3,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 57.8450% | 4,059 |
| Net loans and leases to deposits | 79.6405% | 2,845 |
| Net loans and leases to core deposits | 81.5084% | 3,179 |
| Total domestic deposits to total assets | 72.6326% | 5,734 |
| Equity capital to assets | 12.8798% | 1,474 |
| Core capital (leverage) ratio | 10.7889% | 2,636 |
| Tier 1 risk-based capital ratio | 13.2113% | 4,136 |
| Total risk-based capital ratio | 14.1465% | 4,242 |
| Memoranda: | ||
| Average total assets | $128,365,000 | 3,939 |
| Average earning assets | $117,026,000 | 3,957 |
| Average equity | $16,065,000 | 3,725 |
| Average total loans | $74,388,500 | 4,010 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 2,889 |
| Cost of funding earning assets | 0.5221% | 1,978 |
| Net interest margin | 3.5842% | 3,194 |
| Noninterest income to average assets | 0.5142% | 3,234 |
| Noninterest expense to average assets | 2.4055% | 4,498 |
| Loan and lease loss provision to assets | 0.0008% | 4,370 |
| Net operating income to assets | 1.3395% | 1,178 |
| Return on assets (ROA) | 1.3395% | 1,217 |
| Pretax return on assets | 1.3755% | 1,996 |
| Return on Equity (ROE) | 10.8769% | 1,655 |
| Retained earnings to average equity (ytd only) | 3.2618% | 3,731 |
| Net charge-offs to loans | -0.0055% | 4,994 |
| Credit loss provision to net charge-offs | -25.0000% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6082% | 4,352 |
| Assets per employee ($millions) | 4.1847% | 3,597 |
| Cash dividends to net income (ytd only)* | 70.0117% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 3,003 |
| Loan loss allowance to noncurrent loans | 11,925.0000% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,691 |
| Noncurrent loans to loans | 0.0108% | 5,492 |
| Net loans and leases to total assets | 56.5920% | 4,244 |
| Net loans and leases to deposits | 77.8235% | 3,072 |
| Net loans and leases to core deposits | 79.1637% | 3,426 |
| Total domestic deposits to total assets | 72.7184% | 5,750 |
| Equity capital to assets | 12.1580% | 1,842 |
| Core capital (leverage) ratio | 10.5276% | 2,898 |
| Tier 1 risk-based capital ratio | 12.6000% | 4,571 |
| Total risk-based capital ratio | 13.5340% | 4,670 |
| Memoranda: | ||
| Average total assets | $127,958,000 | 3,936 |
| Average earning assets | $116,652,200 | 3,957 |
| Average equity | $15,758,200 | 3,719 |
| Average total loans | $72,437,000 | 4,035 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 2,881 |
| Cost of funding earning assets | 0.5267% | 1,986 |
| Net interest margin | 3.5876% | 3,208 |
| Noninterest income to average assets | 0.5343% | 3,138 |
| Noninterest expense to average assets | 2.4017% | 4,507 |
| Loan and lease loss provision to assets | 0.0010% | 4,225 |
| Net operating income to assets | 1.3708% | 1,179 |
| Return on assets (ROA) | 1.3708% | 1,230 |
| Pretax return on assets | 1.4074% | 1,985 |
| Return on Equity (ROE) | 11.0948% | 1,674 |
| Retained earnings to average equity (ytd only) | 6.8634% | 1,749 |
| Net charge-offs to loans | -0.0074% | 4,907 |
| Credit loss provision to net charge-offs | -25.0000% | 4,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0351% | 4,400 |
| Assets per employee ($millions) | 3.9885% | 3,894 |
| Cash dividends to net income (ytd only)* | 38.1387% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 2,440 |
| 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 | 53.0718% | 4,659 |
| Net loans and leases to deposits | 67.4614% | 4,241 |
| Net loans and leases to core deposits | 68.7715% | 4,473 |
| Total domestic deposits to total assets | 78.6699% | 5,058 |
| Equity capital to assets | 13.0207% | 1,432 |
| Core capital (leverage) ratio | 10.8022% | 2,711 |
| Tier 1 risk-based capital ratio | 14.1698% | 3,748 |
| Total risk-based capital ratio | 15.1966% | 3,818 |
| Memoranda: | ||
| Average total assets | $127,516,250 | 3,982 |
| Average earning assets | $116,436,250 | 3,995 |
| Average equity | $15,754,750 | 3,752 |
| Average total loans | $71,954,250 | 4,082 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,087 |
| Cost of funding earning assets | 0.5257% | 2,024 |
| Net interest margin | 3.5219% | 3,407 |
| Noninterest income to average assets | 0.5186% | 3,237 |
| Noninterest expense to average assets | 2.3554% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3524% | 1,187 |
| Return on assets (ROA) | 1.3524% | 1,234 |
| Pretax return on assets | 1.3881% | 2,030 |
| Return on Equity (ROE) | 11.1381% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.1381% | 488 |
| Net charge-offs to loans | -0.0108% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9200% | 4,532 |
| Assets per employee ($millions) | 3.9456% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 3,211 |
| Loan loss allowance to noncurrent loans | 671.1268% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 5,409 |
| Noncurrent loans to loans | 0.1947% | 4,995 |
| Net loans and leases to total assets | 57.0204% | 4,220 |
| Net loans and leases to deposits | 74.5102% | 3,434 |
| Net loans and leases to core deposits | 75.9647% | 3,774 |
| Total domestic deposits to total assets | 76.5270% | 5,531 |
| Equity capital to assets | 12.7142% | 1,536 |
| Core capital (leverage) ratio | 10.6277% | 2,821 |
| Tier 1 risk-based capital ratio | 13.9039% | 3,980 |
| Total risk-based capital ratio | 14.9059% | 4,057 |
| Memoranda: | ||
| Average total assets | $128,807,670 | 3,985 |
| Average earning assets | $117,947,330 | 3,990 |
| Average equity | $15,640,000 | 3,792 |
| Average total loans | $73,748,000 | 4,065 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,390 |
| Cost of funding earning assets | 0.5241% | 2,065 |
| Net interest margin | 3.4337% | 3,694 |
| Noninterest income to average assets | 0.5074% | 3,240 |
| Noninterest expense to average assets | 2.3093% | 4,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3038% | 1,262 |
| Return on assets (ROA) | 1.3038% | 1,349 |
| Pretax return on assets | 1.3407% | 2,118 |
| Return on Equity (ROE) | 10.9891% | 1,640 |
| Retained earnings to average equity (ytd only) | 10.9891% | 723 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2687% | 4,593 |
| Assets per employee ($millions) | 4.0710% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 3,301 |
| Loan loss allowance to noncurrent loans | 1,506.3492% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 5,734 |
| Noncurrent loans to loans | 0.0877% | 5,431 |
| Net loans and leases to total assets | 56.1858% | 4,182 |
| Net loans and leases to deposits | 72.3504% | 3,507 |
| Net loans and leases to core deposits | 74.2396% | 3,758 |
| Total domestic deposits to total assets | 77.6579% | 5,509 |
| Equity capital to assets | 12.4730% | 1,708 |
| Core capital (leverage) ratio | 10.3182% | 3,195 |
| Tier 1 risk-based capital ratio | 13.9598% | 4,049 |
| Total risk-based capital ratio | 14.9966% | 4,104 |
| Memoranda: | ||
| Average total assets | $130,081,500 | 3,987 |
| Average earning assets | $119,055,500 | 3,995 |
| Average equity | $15,433,500 | 3,848 |
| Average total loans | $74,148,500 | 4,075 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,713 |
| Cost of funding earning assets | 0.5948% | 1,806 |
| Net interest margin | 3.4100% | 4,158 |
| Noninterest income to average assets | 0.5132% | 3,400 |
| Noninterest expense to average assets | 2.3900% | 4,874 |
| Loan and lease loss provision to assets | 0.0032% | 4,539 |
| Net operating income to assets | 1.1694% | 1,674 |
| Return on assets (ROA) | 1.1725% | 1,740 |
| Pretax return on assets | 1.2079% | 2,622 |
| Return on Equity (ROE) | 9.7306% | 2,238 |
| Retained earnings to average equity (ytd only) | 3.0658% | 4,061 |
| Net charge-offs to loans | 0.0275% | 4,268 |
| Credit loss provision to net charge-offs | 21.0526% | 3,966 |
| Earnings coverage of net charge-offs (x) | 79.1579% | 632 |
| Efficiency ratio | 66.4286% | 4,170 |
| Assets per employee ($millions) | 4.3214% | 3,325 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 3,761 |
| Loan loss allowance to noncurrent loans | 1,555.7377% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,856 |
| Noncurrent loans to loans | 0.0798% | 5,568 |
| Net loans and leases to total assets | 56.3533% | 4,286 |
| Net loans and leases to deposits | 77.1847% | 3,063 |
| Net loans and leases to core deposits | 79.4168% | 3,364 |
| Total domestic deposits to total assets | 73.0110% | 6,017 |
| Equity capital to assets | 11.2913% | 2,609 |
| Core capital (leverage) ratio | 10.0711% | 3,469 |
| Tier 1 risk-based capital ratio | 12.9499% | 4,750 |
| Total risk-based capital ratio | 13.8698% | 4,875 |
| Memoranda: | ||
| Average total assets | $124,517,600 | 4,091 |
| Average earning assets | $112,637,800 | 4,118 |
| Average equity | $15,004,200 | 3,834 |
| Average total loans | $69,104,200 | 4,217 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 3,499 |
| Cost of funding earning assets | 0.6130% | 1,735 |
| Net interest margin | 3.4533% | 4,008 |
| Noninterest income to average assets | 0.5272% | 3,342 |
| Noninterest expense to average assets | 2.4220% | 4,753 |
| Loan and lease loss provision to assets | 0.0044% | 4,325 |
| Net operating income to assets | 1.1822% | 1,746 |
| Return on assets (ROA) | 1.1864% | 1,800 |
| Pretax return on assets | 1.2224% | 2,690 |
| Return on Equity (ROE) | 9.6789% | 2,359 |
| Retained earnings to average equity (ytd only) | 5.2268% | 2,931 |
| Net charge-offs to loans | 0.0337% | 3,811 |
| Credit loss provision to net charge-offs | 23.5294% | 3,542 |
| Earnings coverage of net charge-offs (x) | 65.8712% | 809 |
| Efficiency ratio | 66.4570% | 4,146 |
| Assets per employee ($millions) | 4.0931% | 3,683 |
| Cash dividends to net income (ytd only)* | 45.9981% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 2,592 |
| Loan loss allowance to noncurrent loans | 1,509.5238% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 5,946 |
| Noncurrent loans to loans | 0.1011% | 5,633 |
| Net loans and leases to total assets | 49.9772% | 5,013 |
| Net loans and leases to deposits | 63.6769% | 4,577 |
| Net loans and leases to core deposits | 65.5445% | 4,752 |
| Total domestic deposits to total assets | 78.4856% | 5,435 |
| Equity capital to assets | 12.4454% | 1,739 |
| Core capital (leverage) ratio | 10.4758% | 3,070 |
| Tier 1 risk-based capital ratio | 15.1245% | 3,517 |
| Total risk-based capital ratio | 16.1878% | 3,552 |
| Memoranda: | ||
| Average total assets | $122,156,500 | 4,176 |
| Average earning assets | $110,269,000 | 4,213 |
| Average equity | $14,973,750 | 3,862 |
| Average total loans | $67,270,000 | 4,300 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 3,548 |
| Cost of funding earning assets | 0.6132% | 1,785 |
| Net interest margin | 3.4355% | 4,036 |
| Noninterest income to average assets | 0.5297% | 3,267 |
| Noninterest expense to average assets | 2.4208% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1696% | 1,690 |
| Return on assets (ROA) | 1.1759% | 1,739 |
| Pretax return on assets | 1.2120% | 2,615 |
| Return on Equity (ROE) | 9.6429% | 2,303 |
| Retained earnings to average equity (ytd only) | 2.9184% | 4,347 |
| Net charge-offs to loans | 0.0406% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 883 |
| Efficiency ratio | 66.7571% | 4,233 |
| Assets per employee ($millions) | 3.9575% | 3,933 |
| Cash dividends to net income (ytd only)* | 69.7350% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,505 |
| Loan loss allowance to noncurrent loans | 1,557.3770% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 6,048 |
| Noncurrent loans to loans | 0.0878% | 5,753 |
| Net loans and leases to total assets | 54.1421% | 4,524 |
| Net loans and leases to deposits | 68.2708% | 4,022 |
| Net loans and leases to core deposits | 70.1834% | 4,249 |
| Total domestic deposits to total assets | 79.3050% | 5,385 |
| Equity capital to assets | 11.7610% | 2,195 |
| Core capital (leverage) ratio | 10.2323% | 3,290 |
| Tier 1 risk-based capital ratio | 13.5854% | 4,540 |
| Total risk-based capital ratio | 14.5731% | 4,641 |
| Memoranda: | ||
| Average total assets | $121,944,670 | 4,196 |
| Average earning assets | $109,910,330 | 4,246 |
| Average equity | $14,871,000 | 3,878 |
| Average total loans | $68,920,330 | 4,272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0111% | 3,636 |
| Cost of funding earning assets | 0.6345% | 1,695 |
| Net interest margin | 3.3766% | 4,232 |
| Noninterest income to average assets | 0.6087% | 2,687 |
| Noninterest expense to average assets | 2.4549% | 4,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1606% | 1,594 |
| Return on assets (ROA) | 1.1606% | 1,668 |
| Pretax return on assets | 1.1973% | 2,495 |
| Return on Equity (ROE) | 9.3408% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.3408% | 1,151 |
| Net charge-offs to loans | 0.0816% | 2,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 25.5714% | 1,147 |
| Efficiency ratio | 67.2161% | 4,328 |
| Assets per employee ($millions) | 3.8058% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,670 |
| Loan loss allowance to noncurrent loans | 1,187.5000% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 6,066 |
| Noncurrent loans to loans | 0.1168% | 5,774 |
| Net loans and leases to total assets | 57.2719% | 3,955 |
| Net loans and leases to deposits | 73.8196% | 3,092 |
| Net loans and leases to core deposits | 76.0923% | 3,400 |
| Total domestic deposits to total assets | 77.5837% | 5,891 |
| Equity capital to assets | 12.7393% | 1,439 |
| Core capital (leverage) ratio | 10.4953% | 2,940 |
| Tier 1 risk-based capital ratio | 14.0719% | 4,282 |
| Total risk-based capital ratio | 15.0624% | 4,411 |
| Memoranda: | ||
| Average total assets | $119,597,500 | 4,286 |
| Average earning assets | $107,800,000 | 4,321 |
| Average equity | $14,859,500 | 3,887 |
| Average total loans | $68,623,000 | 4,314 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 4,083 |
| Cost of funding earning assets | 0.6993% | 1,819 |
| Net interest margin | 3.2998% | 4,662 |
| Noninterest income to average assets | 0.5124% | 3,682 |
| Noninterest expense to average assets | 2.4126% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0431% | 2,143 |
| Return on assets (ROA) | 1.0431% | 2,215 |
| Pretax return on assets | 1.0794% | 3,035 |
| Return on Equity (ROE) | 8.3927% | 2,835 |
| Retained earnings to average equity (ytd only) | -4.9080% | 6,363 |
| Net charge-offs to loans | 0.0673% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.3721% | 1,177 |
| Efficiency ratio | 69.0888% | 3,995 |
| Assets per employee ($millions) | 3.9101% | 4,050 |
| Cash dividends to net income (ytd only)* | 158.4786% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 3,640 |
| Loan loss allowance to noncurrent loans | 1,206.2500% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,156 |
| Noncurrent loans to loans | 0.1164% | 5,858 |
| Net loans and leases to total assets | 55.9020% | 4,334 |
| Net loans and leases to deposits | 74.7081% | 3,154 |
| Net loans and leases to core deposits | 77.0274% | 3,483 |
| Total domestic deposits to total assets | 74.8272% | 6,214 |
| Equity capital to assets | 12.1182% | 1,730 |
| Core capital (leverage) ratio | 10.0678% | 3,469 |
| Tier 1 risk-based capital ratio | 13.9270% | 4,344 |
| Total risk-based capital ratio | 14.9768% | 4,443 |
| Memoranda: | ||
| Average total assets | $120,988,800 | 4,258 |
| Average earning assets | $109,248,000 | 4,281 |
| Average equity | $15,036,800 | 3,866 |
| Average total loans | $63,886,800 | 4,488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 4,181 |
| Cost of funding earning assets | 0.7123% | 1,868 |
| Net interest margin | 3.2738% | 4,735 |
| Noninterest income to average assets | 0.5248% | 3,633 |
| Noninterest expense to average assets | 2.4233% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0242% | 2,282 |
| Return on assets (ROA) | 1.0242% | 2,363 |
| Pretax return on assets | 1.0606% | 3,262 |
| Return on Equity (ROE) | 8.1900% | 3,025 |
| Retained earnings to average equity (ytd only) | -5.0339% | 6,495 |
| Net charge-offs to loans | 0.0872% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 23.4613% | 1,463 |
| Efficiency ratio | 69.5570% | 3,825 |
| Assets per employee ($millions) | 4.1157% | 3,608 |
| Cash dividends to net income (ytd only)* | 161.4634% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,353 |
| Loan loss allowance to noncurrent loans | 1,207.5000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 6,243 |
| Noncurrent loans to loans | 0.1263% | 5,942 |
| Net loans and leases to total assets | 52.2613% | 4,846 |
| Net loans and leases to deposits | 67.4229% | 4,127 |
| Net loans and leases to core deposits | 69.4714% | 4,373 |
| Total domestic deposits to total assets | 77.5127% | 5,970 |
| Equity capital to assets | 12.4493% | 1,613 |
| Core capital (leverage) ratio | 10.0023% | 3,679 |
| Tier 1 risk-based capital ratio | 15.0286% | 3,734 |
| Total risk-based capital ratio | 16.1236% | 3,789 |
| Memoranda: | ||
| Average total assets | $120,932,500 | 4,306 |
| Average earning assets | $109,309,250 | 4,323 |
| Average equity | $15,123,750 | 3,894 |
| Average total loans | $62,677,000 | 4,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 4,412 |
| Cost of funding earning assets | 0.7189% | 1,927 |
| Net interest margin | 3.1998% | 4,948 |
| Noninterest income to average assets | 0.5171% | 3,721 |
| Noninterest expense to average assets | 2.4206% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9551% | 2,539 |
| Return on assets (ROA) | 0.9551% | 2,688 |
| Pretax return on assets | 0.9913% | 3,546 |
| Return on Equity (ROE) | 7.6256% | 3,275 |
| Retained earnings to average equity (ytd only) | -5.5220% | 6,489 |
| Net charge-offs to loans | 0.1281% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.0500% | 1,776 |
| Efficiency ratio | 70.9459% | 3,651 |
| Assets per employee ($millions) | 4.0590% | 3,668 |
| Cash dividends to net income (ytd only)* | 172.4138% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5276% | 3,456 |
| Loan loss allowance to noncurrent loans | 895.3704% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 6,228 |
| Noncurrent loans to loans | 0.1706% | 5,893 |
| Net loans and leases to total assets | 51.1899% | 4,974 |
| Net loans and leases to deposits | 67.4596% | 4,081 |
| Net loans and leases to core deposits | 69.3116% | 4,352 |
| Total domestic deposits to total assets | 75.8824% | 6,262 |
| Equity capital to assets | 12.3043% | 1,704 |
| Core capital (leverage) ratio | 10.1602% | 3,282 |
| Tier 1 risk-based capital ratio | 15.5772% | 3,440 |
| Total risk-based capital ratio | 16.7088% | 3,462 |
| Memoranda: | ||
| Average total assets | $121,458,000 | 4,315 |
| Average earning assets | $109,882,670 | 4,342 |
| Average equity | $15,212,000 | 3,907 |
| Average total loans | $62,455,000 | 4,587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 4,501 |
| Cost of funding earning assets | 0.7383% | 1,937 |
| Net interest margin | 3.1544% | 5,077 |
| Noninterest income to average assets | 0.5474% | 3,459 |
| Noninterest expense to average assets | 2.4534% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9035% | 2,641 |
| Return on assets (ROA) | 0.9035% | 2,785 |
| Pretax return on assets | 0.9398% | 3,614 |
| Return on Equity (ROE) | 7.1510% | 3,409 |
| Retained earnings to average equity (ytd only) | -5.8983% | 6,412 |
| Net charge-offs to loans | 0.1032% | 2,832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.8125% | 1,294 |
| Efficiency ratio | 72.3032% | 3,564 |
| Assets per employee ($millions) | 3.9164% | 4,129 |
| Cash dividends to net income (ytd only)* | 182.4818% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 3,378 |
| Loan loss allowance to noncurrent loans | 3,964.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 6,551 |
| Noncurrent loans to loans | 0.0405% | 6,365 |
| Net loans and leases to total assets | 50.0128% | 4,989 |
| Net loans and leases to deposits | 64.5120% | 4,254 |
| Net loans and leases to core deposits | 66.2477% | 4,500 |
| Total domestic deposits to total assets | 77.5247% | 6,184 |
| Equity capital to assets | 12.5295% | 1,695 |
| Core capital (leverage) ratio | 10.3960% | 2,911 |
| Tier 1 risk-based capital ratio | 15.8588% | 3,348 |
| Total risk-based capital ratio | 17.0076% | 3,354 |
| Memoranda: | ||
| Average total assets | $121,302,000 | 4,368 |
| Average earning assets | $109,435,000 | 4,388 |
| Average equity | $15,326,500 | 3,941 |
| Average total loans | $62,032,000 | 4,630 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 4,153 |
| Cost of funding earning assets | 0.8089% | 2,596 |
| Net interest margin | 3.5015% | 4,493 |
| Noninterest income to average assets | 0.5372% | 3,665 |
| Noninterest expense to average assets | 2.4612% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1705% | 1,692 |
| Return on assets (ROA) | 1.1705% | 1,861 |
| Pretax return on assets | 1.2074% | 2,780 |
| Return on Equity (ROE) | 8.9355% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.6774% | 2,923 |
| Net charge-offs to loans | -0.0016% | 6,320 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0877% | 4,313 |
| Assets per employee ($millions) | 3.9095% | 4,131 |
| Cash dividends to net income (ytd only)* | 47.6540% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 3,241 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 6,532 |
| Noncurrent loans to loans | 0.0850% | 6,272 |
| Net loans and leases to total assets | 50.6176% | 5,090 |
| Net loans and leases to deposits | 65.1764% | 4,395 |
| Net loans and leases to core deposits | 66.7450% | 4,664 |
| Total domestic deposits to total assets | 77.6624% | 6,131 |
| Equity capital to assets | 12.7406% | 1,571 |
| Core capital (leverage) ratio | 10.7042% | 2,545 |
| Tier 1 risk-based capital ratio | 16.7887% | 2,749 |
| Total risk-based capital ratio | 18.0394% | 2,715 |
| Memoranda: | ||
| Average total assets | $116,526,600 | 4,428 |
| Average earning assets | $104,212,200 | 4,488 |
| Average equity | $15,265,000 | 3,900 |
| Average total loans | $62,168,600 | 4,627 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 4,024 |
| Cost of funding earning assets | 0.8113% | 2,851 |
| Net interest margin | 3.5940% | 4,257 |
| Noninterest income to average assets | 0.5213% | 3,796 |
| Noninterest expense to average assets | 2.5011% | 5,085 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1985% | 1,745 |
| Return on assets (ROA) | 1.1985% | 1,919 |
| Pretax return on assets | 1.2355% | 2,846 |
| Return on Equity (ROE) | 9.0837% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.0837% | 1,194 |
| Net charge-offs to loans | 0.0021% | 5,745 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1,071.6541% | 37 |
| Efficiency ratio | 66.9347% | 4,259 |
| Assets per employee ($millions) | 3.8139% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 3,196 |
| Loan loss allowance to noncurrent loans | 844.5378% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1006% | 6,477 |
| Noncurrent loans to loans | 0.1995% | 6,110 |
| Net loans and leases to total assets | 49.6008% | 5,358 |
| Net loans and leases to deposits | 63.9367% | 4,720 |
| Net loans and leases to core deposits | 65.5152% | 5,000 |
| Total domestic deposits to total assets | 77.5780% | 6,147 |
| Equity capital to assets | 13.3356% | 1,421 |
| Core capital (leverage) ratio | 11.3982% | 2,058 |
| Tier 1 risk-based capital ratio | 17.5861% | 2,504 |
| Total risk-based capital ratio | 18.8376% | 2,470 |
| Memoranda: | ||
| Average total assets | $115,359,500 | 4,495 |
| Average earning assets | $103,207,250 | 4,565 |
| Average equity | $15,221,000 | 3,949 |
| Average total loans | $62,122,500 | 4,677 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 3,893 |
| Cost of funding earning assets | 0.8131% | 3,093 |
| Net interest margin | 3.6589% | 3,992 |
| Noninterest income to average assets | 0.5000% | 3,921 |
| Noninterest expense to average assets | 2.6643% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0717% | 2,158 |
| Return on assets (ROA) | 1.0717% | 2,380 |
| Pretax return on assets | 1.1084% | 3,276 |
| Return on Equity (ROE) | 8.1521% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.1521% | 1,582 |
| Net charge-offs to loans | 0.0064% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 129 |
| Efficiency ratio | 70.6209% | 3,668 |
| Assets per employee ($millions) | 3.8291% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,819 |
| Loan loss allowance to noncurrent loans | 418.3333% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2022% | 6,281 |
| Noncurrent loans to loans | 0.3684% | 5,803 |
| Net loans and leases to total assets | 54.0417% | 4,793 |
| Net loans and leases to deposits | 68.8143% | 4,072 |
| Net loans and leases to core deposits | 70.4815% | 4,473 |
| Total domestic deposits to total assets | 78.5326% | 6,050 |
| Equity capital to assets | 12.9215% | 1,556 |
| Core capital (leverage) ratio | 11.1955% | 2,126 |
| Tier 1 risk-based capital ratio | 16.0098% | 3,164 |
| Total risk-based capital ratio | 17.2605% | 3,133 |
| Memoranda: | ||
| Average total assets | $114,402,000 | 4,553 |
| Average earning assets | $102,327,000 | 4,616 |
| Average equity | $15,039,000 | 3,979 |
| Average total loans | $62,947,000 | 4,677 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 3,838 |
| Cost of funding earning assets | 0.8305% | 3,220 |
| Net interest margin | 3.6892% | 3,876 |
| Noninterest income to average assets | 0.4953% | 3,940 |
| Noninterest expense to average assets | 2.7189% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0298% | 2,360 |
| Return on assets (ROA) | 1.0298% | 2,547 |
| Pretax return on assets | 1.0690% | 3,440 |
| Return on Equity (ROE) | 7.7639% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.7639% | 2,067 |
| Net charge-offs to loans | 0.0129% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 243 |
| Efficiency ratio | 71.7780% | 3,485 |
| Assets per employee ($millions) | 3.6400% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 3,638 |
| Loan loss allowance to noncurrent loans | 1,128.0899% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,688 |
| Noncurrent loans to loans | 0.1437% | 6,401 |
| Net loans and leases to total assets | 53.9804% | 4,725 |
| Net loans and leases to deposits | 68.6379% | 3,936 |
| Net loans and leases to core deposits | 70.2228% | 4,379 |
| Total domestic deposits to total assets | 78.6452% | 6,159 |
| Equity capital to assets | 13.3134% | 1,314 |
| Core capital (leverage) ratio | 11.1351% | 2,159 |
| Tier 1 risk-based capital ratio | 15.9681% | 3,192 |
| Total risk-based capital ratio | 17.2187% | 3,158 |
| Memoranda: | ||
| Average total assets | $112,252,500 | 4,647 |
| Average earning assets | $100,184,000 | 4,693 |
| Average equity | $14,889,500 | 4,014 |
| Average total loans | $61,844,500 | 4,739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 2,926 |
| Cost of funding earning assets | 0.9154% | 4,005 |
| Net interest margin | 4.0738% | 2,551 |
| Noninterest income to average assets | 0.5214% | 3,713 |
| Noninterest expense to average assets | 2.6467% | 4,936 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4607% | 904 |
| Return on assets (ROA) | 1.4607% | 980 |
| Pretax return on assets | 1.4976% | 1,479 |
| Return on Equity (ROE) | 11.0280% | 1,691 |
| Retained earnings to average equity (ytd only) | 4.2290% | 3,173 |
| Net charge-offs to loans | -0.0095% | 6,884 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8635% | 5,149 |
| Assets per employee ($millions) | 3.7221% | 4,503 |
| Cash dividends to net income (ytd only)* | 61.6523% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,469 |
| Loan loss allowance to noncurrent loans | 5,917.6471% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 6,939 |
| Noncurrent loans to loans | 0.0275% | 6,757 |
| Net loans and leases to total assets | 54.4195% | 4,972 |
| Net loans and leases to deposits | 69.2115% | 4,241 |
| Net loans and leases to core deposits | 71.2818% | 4,622 |
| Total domestic deposits to total assets | 78.6278% | 6,065 |
| Equity capital to assets | 13.2146% | 1,389 |
| Core capital (leverage) ratio | 10.8729% | 2,377 |
| Tier 1 risk-based capital ratio | 15.7490% | 3,190 |
| Total risk-based capital ratio | 17.0003% | 3,153 |
| Memoranda: | ||
| Average total assets | $111,043,600 | 4,617 |
| Average earning assets | $98,753,400 | 4,667 |
| Average equity | $14,708,000 | 3,967 |
| Average total loans | $63,161,600 | 4,744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 2,659 |
| Cost of funding earning assets | 0.9327% | 4,179 |
| Net interest margin | 4.1560% | 2,257 |
| Noninterest income to average assets | 0.5134% | 3,771 |
| Noninterest expense to average assets | 2.6152% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5631% | 829 |
| Return on assets (ROA) | 1.5631% | 903 |
| Pretax return on assets | 1.6004% | 1,386 |
| Return on Equity (ROE) | 11.7943% | 1,595 |
| Retained earnings to average equity (ytd only) | 7.2580% | 1,832 |
| Net charge-offs to loans | -0.0105% | 6,787 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0365% | 5,402 |
| Assets per employee ($millions) | 3.9507% | 3,955 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 3,322 |
| Loan loss allowance to noncurrent loans | 1,395.8333% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 6,889 |
| Noncurrent loans to loans | 0.1207% | 6,631 |
| Net loans and leases to total assets | 51.2067% | 5,551 |
| Net loans and leases to deposits | 65.0032% | 5,046 |
| Net loans and leases to core deposits | 67.6991% | 5,211 |
| Total domestic deposits to total assets | 78.7756% | 6,031 |
| Equity capital to assets | 13.0609% | 1,589 |
| Core capital (leverage) ratio | 11.0285% | 2,363 |
| Tier 1 risk-based capital ratio | 15.9274% | 3,151 |
| Total risk-based capital ratio | 17.1782% | 3,108 |
| Memoranda: | ||
| Average total assets | $110,888,500 | 4,645 |
| Average earning assets | $98,778,500 | 4,699 |
| Average equity | $14,696,000 | 3,984 |
| Average total loans | $63,508,750 | 4,776 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 2,399 |
| Cost of funding earning assets | 0.9455% | 4,355 |
| Net interest margin | 4.2189% | 1,959 |
| Noninterest income to average assets | 0.5052% | 3,823 |
| Noninterest expense to average assets | 2.7339% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5028% | 886 |
| Return on assets (ROA) | 1.5028% | 944 |
| Pretax return on assets | 1.5393% | 1,406 |
| Return on Equity (ROE) | 11.2825% | 1,703 |
| Retained earnings to average equity (ytd only) | 11.2825% | 620 |
| Net charge-offs to loans | -0.0123% | 6,733 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9778% | 5,244 |
| Assets per employee ($millions) | 3.8940% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 4,062 |
| Loan loss allowance to noncurrent loans | 1,375.3425% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 6,936 |
| Noncurrent loans to loans | 0.1101% | 6,700 |
| Net loans and leases to total assets | 57.8083% | 4,669 |
| Net loans and leases to deposits | 73.2816% | 3,901 |
| Net loans and leases to core deposits | 76.4618% | 4,256 |
| Total domestic deposits to total assets | 78.8851% | 6,111 |
| Equity capital to assets | 13.3009% | 1,382 |
| Core capital (leverage) ratio | 11.3226% | 2,035 |
| Tier 1 risk-based capital ratio | 15.3702% | 3,312 |
| Total risk-based capital ratio | 16.6206% | 3,266 |
| Memoranda: | ||
| Average total assets | $109,661,000 | 4,708 |
| Average earning assets | $97,941,330 | 4,762 |
| Average equity | $14,606,670 | 3,984 |
| Average total loans | $64,787,330 | 4,760 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1472% | 2,447 |
| Cost of funding earning assets | 0.9576% | 4,510 |
| Net interest margin | 4.1896% | 1,924 |
| Noninterest income to average assets | 0.4814% | 4,039 |
| Noninterest expense to average assets | 2.8696% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3330% | 1,197 |
| Return on assets (ROA) | 1.3330% | 1,244 |
| Pretax return on assets | 1.3700% | 1,817 |
| Return on Equity (ROE) | 10.0000% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.0000% | 1,114 |
| Net charge-offs to loans | -0.0125% | 6,431 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6856% | 4,713 |
| Assets per employee ($millions) | 3.6303% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5906% | 3,768 |
| Loan loss allowance to noncurrent loans | 123.3990% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 5,442 |
| Noncurrent loans to loans | 1.2890% | 4,548 |
| Net loans and leases to total assets | 56.9231% | 4,814 |
| Net loans and leases to deposits | 71.9358% | 4,086 |
| Net loans and leases to core deposits | 74.1798% | 4,520 |
| Total domestic deposits to total assets | 79.1305% | 6,160 |
| Equity capital to assets | 13.3698% | 1,229 |
| Core capital (leverage) ratio | 11.0857% | 2,123 |
| Tier 1 risk-based capital ratio | 15.4544% | 3,176 |
| Total risk-based capital ratio | 16.7060% | 3,128 |
| Memoranda: | ||
| Average total assets | $108,029,000 | 4,790 |
| Average earning assets | $96,906,500 | 4,827 |
| Average equity | $14,400,000 | 4,024 |
| Average total loans | $64,039,000 | 4,838 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 1,488 |
| Cost of funding earning assets | 1.0939% | 5,162 |
| Net interest margin | 4.6307% | 946 |
| Noninterest income to average assets | 0.5527% | 3,801 |
| Noninterest expense to average assets | 2.8476% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.8158% | 400 |
| Return on assets (ROA) | 1.8158% | 435 |
| Pretax return on assets | 1.8521% | 680 |
| Return on Equity (ROE) | 12.6505% | 1,176 |
| Retained earnings to average equity (ytd only) | -7.4812% | 6,490 |
| Net charge-offs to loans | -0.0077% | 7,298 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2194% | 6,428 |
| Assets per employee ($millions) | 3.4564% | 5,035 |
| Cash dividends to net income (ytd only)* | 159.1376% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,833 |
| Loan loss allowance to noncurrent loans | 5,263.1579% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 7,199 |
| Noncurrent loans to loans | 0.0292% | 7,060 |
| Net loans and leases to total assets | 59.8061% | 4,710 |
| Net loans and leases to deposits | 75.0732% | 4,007 |
| Net loans and leases to core deposits | 78.3367% | 4,417 |
| Total domestic deposits to total assets | 79.6636% | 5,921 |
| Equity capital to assets | 13.2891% | 1,260 |
| Core capital (leverage) ratio | 10.6844% | 2,390 |
| Tier 1 risk-based capital ratio | 14.9483% | 3,280 |
| Total risk-based capital ratio | 16.1987% | 3,233 |
| Memoranda: | ||
| Average total assets | $107,282,400 | 4,792 |
| Average earning assets | $96,076,000 | 4,823 |
| Average equity | $15,398,600 | 3,874 |
| Average total loans | $65,080,400 | 4,868 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 1,325 |
| Cost of funding earning assets | 1.1217% | 5,311 |
| Net interest margin | 4.7046% | 841 |
| Noninterest income to average assets | 0.5616% | 3,703 |
| Noninterest expense to average assets | 2.6749% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0611% | 306 |
| Return on assets (ROA) | 2.0611% | 324 |
| Pretax return on assets | 2.0972% | 506 |
| Return on Equity (ROE) | 14.0991% | 1,013 |
| Retained earnings to average equity (ytd only) | 4.7507% | 3,159 |
| Net charge-offs to loans | -0.0082% | 7,251 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0531% | 6,549 |
| Assets per employee ($millions) | 3.4975% | 4,988 |
| Cash dividends to net income (ytd only)* | 66.3051% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,494 |
| Loan loss allowance to noncurrent loans | 5,257.8947% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 7,318 |
| Noncurrent loans to loans | 0.0306% | 7,175 |
| Net loans and leases to total assets | 56.3580% | 5,497 |
| Net loans and leases to deposits | 71.5733% | 4,895 |
| Net loans and leases to core deposits | 75.5670% | 5,113 |
| Total domestic deposits to total assets | 78.7416% | 6,080 |
| Equity capital to assets | 14.7690% | 949 |
| Core capital (leverage) ratio | 12.4478% | 1,441 |
| Tier 1 risk-based capital ratio | 17.0580% | 2,323 |
| Total risk-based capital ratio | 18.3084% | 2,282 |
| Memoranda: | ||
| Average total assets | $107,316,000 | 4,854 |
| Average earning assets | $96,044,750 | 4,890 |
| Average equity | $15,688,500 | 3,860 |
| Average total loans | $65,080,250 | 4,941 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8939% | 1,204 |
| Cost of funding earning assets | 1.1554% | 5,372 |
| Net interest margin | 4.7385% | 748 |
| Noninterest income to average assets | 0.5648% | 3,589 |
| Noninterest expense to average assets | 2.7079% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0627% | 297 |
| Return on assets (ROA) | 2.0627% | 323 |
| Pretax return on assets | 2.0982% | 491 |
| Return on Equity (ROE) | 14.1589% | 1,009 |
| Retained earnings to average equity (ytd only) | 3.2477% | 4,034 |
| Net charge-offs to loans | 0.0030% | 6,340 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 1,122.0000% | 19 |
| Efficiency ratio | 56.3424% | 6,595 |
| Assets per employee ($millions) | 3.4465% | 5,054 |
| Cash dividends to net income (ytd only)* | 77.0626% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 4,299 |
| Loan loss allowance to noncurrent loans | 2,070.8333% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 7,281 |
| Noncurrent loans to loans | 0.0689% | 7,141 |
| Net loans and leases to total assets | 64.2341% | 4,211 |
| Net loans and leases to deposits | 81.7236% | 3,312 |
| Net loans and leases to core deposits | 89.0858% | 3,397 |
| Total domestic deposits to total assets | 78.5992% | 6,128 |
| Equity capital to assets | 14.7348% | 944 |
| Core capital (leverage) ratio | 11.9333% | 1,680 |
| Tier 1 risk-based capital ratio | 15.8140% | 2,753 |
| Total risk-based capital ratio | 17.0646% | 2,715 |
| Memoranda: | ||
| Average total assets | $106,947,000 | 4,888 |
| Average earning assets | $95,726,000 | 4,938 |
| Average equity | $15,580,330 | 3,875 |
| Average total loans | $66,072,330 | 4,937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 1,707 |
| Cost of funding earning assets | 1.1230% | 5,784 |
| Net interest margin | 4.5965% | 957 |
| Noninterest income to average assets | 0.5570% | 3,591 |
| Noninterest expense to average assets | 2.7851% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8542% | 443 |
| Return on assets (ROA) | 1.8542% | 487 |
| Pretax return on assets | 1.8879% | 747 |
| Return on Equity (ROE) | 12.8008% | 1,298 |
| Retained earnings to average equity (ytd only) | -2.6840% | 6,322 |
| Net charge-offs to loans | 0.0249% | 5,226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 261 |
| Efficiency ratio | 59.6000% | 6,244 |
| Assets per employee ($millions) | 3.4161% | 5,241 |
| Cash dividends to net income (ytd only)* | 120.9677% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 4,162 |
| Loan loss allowance to noncurrent loans | 49,550.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 7,505 |
| Noncurrent loans to loans | 0.0029% | 7,419 |
| Net loans and leases to total assets | 61.4865% | 4,861 |
| Net loans and leases to deposits | 85.4238% | 2,697 |
| Net loans and leases to core deposits | 91.6671% | 3,149 |
| Total domestic deposits to total assets | 71.9782% | 7,267 |
| Equity capital to assets | 14.0960% | 1,112 |
| Core capital (leverage) ratio | 11.8785% | 1,707 |
| Tier 1 risk-based capital ratio | 15.0063% | 3,117 |
| Total risk-based capital ratio | 16.2278% | 3,083 |
| Memoranda: | ||
| Average total assets | $106,999,500 | 4,953 |
| Average earning assets | $95,813,000 | 4,992 |
| Average equity | $15,499,000 | 3,919 |
| Average total loans | $64,297,000 | 5,072 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 1,462 |
| Cost of funding earning assets | 1.5937% | 5,052 |
| Net interest margin | 4.5272% | 1,117 |
| Noninterest income to average assets | 0.5798% | 3,788 |
| Noninterest expense to average assets | 2.8022% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.7841% | 370 |
| Return on assets (ROA) | 1.7841% | 390 |
| Pretax return on assets | 1.8209% | 608 |
| Return on Equity (ROE) | 12.4434% | 1,062 |
| Retained earnings to average equity (ytd only) | 12.4434% | 184 |
| Net charge-offs to loans | 0.0241% | 6,901 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 125.2000% | 231 |
| Efficiency ratio | 59.5428% | 6,550 |
| Assets per employee ($millions) | 3.4895% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 3,095 |
| Loan loss allowance to noncurrent loans | 49,750.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,539 |
| Noncurrent loans to loans | 0.0033% | 7,446 |
| Net loans and leases to total assets | 56.7365% | 5,866 |
| Net loans and leases to deposits | 71.6203% | 5,382 |
| Net loans and leases to core deposits | 88.4353% | 5,281 |
| Total domestic deposits to total assets | 79.2184% | 5,928 |
| Equity capital to assets | 14.8915% | 933 |
| Core capital (leverage) ratio | 12.2932% | 1,530 |
| Tier 1 risk-based capital ratio | 14.8947% | 3,009 |
| Total risk-based capital ratio | 16.1018% | 2,974 |
| Memoranda: | ||
| Average total assets | $103,134,800 | 5,008 |
| Average earning assets | $92,110,000 | 5,057 |
| Average equity | $14,787,000 | 4,099 |
| Average total loans | $62,183,400 | 5,166 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2172% | 1,332 |
| Cost of funding earning assets | 1.7030% | 4,884 |
| Net interest margin | 4.5142% | 1,162 |
| Noninterest income to average assets | 0.5813% | 3,842 |
| Noninterest expense to average assets | 2.8094% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7726% | 477 |
| Return on assets (ROA) | 1.7726% | 500 |
| Pretax return on assets | 1.8102% | 786 |
| Return on Equity (ROE) | 12.4861% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.4861% | 301 |
| Net charge-offs to loans | 0.0319% | 6,444 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 92.9975% | 380 |
| Efficiency ratio | 60.8146% | 6,306 |
| Assets per employee ($millions) | 3.2673% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 2,677 |
| Loan loss allowance to noncurrent loans | 1,213.4146% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 7,349 |
| Noncurrent loans to loans | 0.1392% | 7,133 |
| Net loans and leases to total assets | 57.1984% | 6,009 |
| Net loans and leases to deposits | 72.2000% | 5,615 |
| Net loans and leases to core deposits | 89.3134% | 5,506 |
| Total domestic deposits to total assets | 79.2222% | 5,727 |
| Equity capital to assets | 15.0031% | 1,002 |
| Core capital (leverage) ratio | 11.9584% | 1,821 |
| Tier 1 risk-based capital ratio | 15.9722% | 2,636 |
| Total risk-based capital ratio | 17.2239% | 2,569 |
| Memoranda: | ||
| Average total assets | $102,747,500 | 5,050 |
| Average earning assets | $91,915,250 | 5,099 |
| Average equity | $14,586,500 | 4,171 |
| Average total loans | $62,632,000 | 5,184 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2919% | 1,224 |
| Cost of funding earning assets | 1.8153% | 4,684 |
| Net interest margin | 4.4766% | 1,220 |
| Noninterest income to average assets | 0.5754% | 3,868 |
| Noninterest expense to average assets | 2.7917% | 4,990 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7552% | 511 |
| Return on assets (ROA) | 1.7552% | 553 |
| Pretax return on assets | 1.7920% | 861 |
| Return on Equity (ROE) | 12.5979% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.5979% | 369 |
| Net charge-offs to loans | -0.0251% | 7,740 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9045% | 6,412 |
| Assets per employee ($millions) | 3.2958% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 2,775 |
| Loan loss allowance to noncurrent loans | 83.5111% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 4,557 |
| Noncurrent loans to loans | 1.9077% | 3,659 |
| Net loans and leases to total assets | 61.5458% | 5,430 |
| Net loans and leases to deposits | 77.9758% | 4,878 |
| Net loans and leases to core deposits | 95.2469% | 4,983 |
| Total domestic deposits to total assets | 78.9294% | 5,833 |
| Equity capital to assets | 14.4405% | 1,181 |
| Core capital (leverage) ratio | 11.2919% | 2,201 |
| Tier 1 risk-based capital ratio | 14.4443% | 3,282 |
| Total risk-based capital ratio | 15.6955% | 3,219 |
| Memoranda: | ||
| Average total assets | $103,234,670 | 5,072 |
| Average earning assets | $92,435,670 | 5,108 |
| Average equity | $14,383,330 | 4,223 |
| Average total loans | $63,866,330 | 5,183 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2505% | 1,444 |
| Cost of funding earning assets | 1.8894% | 4,688 |
| Net interest margin | 4.3611% | 1,439 |
| Noninterest income to average assets | 0.5859% | 3,654 |
| Noninterest expense to average assets | 2.7176% | 4,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7270% | 614 |
| Return on assets (ROA) | 1.7270% | 672 |
| Pretax return on assets | 1.7655% | 1,048 |
| Return on Equity (ROE) | 12.6215% | 1,478 |
| Retained earnings to average equity (ytd only) | 12.6215% | 694 |
| Net charge-offs to loans | -0.0501% | 7,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6191% | 6,306 |
| Assets per employee ($millions) | 3.4570% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 2,625 |
| Loan loss allowance to noncurrent loans | 58.2713% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.6845% | 3,399 |
| Noncurrent loans to loans | 2.7036% | 2,427 |
| Net loans and leases to total assets | 61.3254% | 5,442 |
| Net loans and leases to deposits | 76.9221% | 5,096 |
| Net loans and leases to core deposits | 94.8942% | 5,073 |
| Total domestic deposits to total assets | 79.7240% | 5,456 |
| Equity capital to assets | 13.8310% | 1,413 |
| Core capital (leverage) ratio | 10.7806% | 2,671 |
| Tier 1 risk-based capital ratio | 14.0181% | 3,576 |
| Total risk-based capital ratio | 15.2693% | 3,499 |
| Memoranda: | ||
| Average total assets | $103,766,500 | 5,077 |
| Average earning assets | $92,729,000 | 5,126 |
| Average equity | $14,198,000 | 4,295 |
| Average total loans | $63,849,500 | 5,214 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0181% | 1,093 |
| Cost of funding earning assets | 2.4016% | 4,712 |
| Net interest margin | 4.6165% | 1,135 |
| Noninterest income to average assets | 0.6724% | 3,309 |
| Noninterest expense to average assets | 2.6018% | 5,645 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.1234% | 277 |
| Return on assets (ROA) | 2.1234% | 268 |
| Pretax return on assets | 2.1598% | 432 |
| Return on Equity (ROE) | 15.7491% | 805 |
| Retained earnings to average equity (ytd only) | 1.1463% | 4,545 |
| Net charge-offs to loans | -0.0111% | 7,865 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6413% | 7,193 |
| Assets per employee ($millions) | 3.5801% | 4,472 |
| Cash dividends to net income (ytd only)* | 92.7214% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 2,243 |
| Loan loss allowance to noncurrent loans | 3,156.2500% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 7,467 |
| Noncurrent loans to loans | 0.0507% | 7,307 |
| Net loans and leases to total assets | 59.7848% | 5,941 |
| Net loans and leases to deposits | 75.1783% | 5,709 |
| Net loans and leases to core deposits | 92.5273% | 5,590 |
| Total domestic deposits to total assets | 79.5240% | 5,191 |
| Equity capital to assets | 13.5344% | 1,587 |
| Core capital (leverage) ratio | 10.3327% | 3,138 |
| Tier 1 risk-based capital ratio | 13.5382% | 3,802 |
| Total risk-based capital ratio | 14.7896% | 3,694 |
| Memoranda: | ||
| Average total assets | $101,582,200 | 5,004 |
| Average earning assets | $89,982,200 | 5,082 |
| Average equity | $13,696,000 | 4,403 |
| Average total loans | $63,124,400 | 5,137 |