Home > Lamar National Bank > Performance and Condition Ratios
Lamar National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 1,516 |
| Cost of funding earning assets | 1.5489% | 1,814 |
| Net interest margin | 3.7375% | 1,680 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 3.1238% | 923 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.4974% | 3,673 |
| Return on assets (ROA) | 0.4395% | 3,788 |
| Pretax return on assets | 0.5502% | 3,719 |
| Return on Equity (ROE) | 6.8600% | 3,313 |
| Retained earnings to average equity (ytd only) | 0.8303% | 3,873 |
| Net charge-offs to loans | 0.0486% | 1,387 |
| Credit loss provision to net charge-offs | 201.9231% | 1,218 |
| Earnings coverage of net charge-offs (x) | 24.5192% | 1,757 |
| Efficiency ratio | 82.1579% | 769 |
| Assets per employee ($millions) | 5.1436% | 3,524 |
| Cash dividends to net income (ytd only)* | 87.8935% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 1,583 |
| Loan loss allowance to noncurrent loans | 294.9749% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 1,898 |
| Noncurrent loans to loans | 0.4571% | 1,639 |
| Net loans and leases to total assets | 57.1900% | 3,109 |
| Net loans and leases to deposits | 65.9690% | 3,171 |
| Net loans and leases to core deposits | 78.1464% | 2,827 |
| Total domestic deposits to total assets | 86.7000% | 1,788 |
| Equity capital to assets | 6.8123% | 4,015 |
| Core capital (leverage) ratio | 9.6917% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $375,884,000 | 2,092 |
| Average earning assets | $333,728,200 | 2,161 |
| Average equity | $24,087,200 | 2,572 |
| Average total loans | $213,955,600 | 2,202 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 1,361 |
| Cost of funding earning assets | 1.4446% | 1,752 |
| Net interest margin | 3.8045% | 1,585 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 3.1146% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6324% | 3,468 |
| Return on assets (ROA) | 0.6312% | 3,463 |
| Pretax return on assets | 0.7529% | 3,442 |
| Return on Equity (ROE) | 10.0100% | 2,630 |
| Retained earnings to average equity (ytd only) | 10.0078% | 1,397 |
| Net charge-offs to loans | 0.0570% | 1,098 |
| Credit loss provision to net charge-offs | 10.9890% | 2,034 |
| Earnings coverage of net charge-offs (x) | 23.4835% | 1,733 |
| Efficiency ratio | 80.4304% | 836 |
| Assets per employee ($millions) | 5.6063% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 1,844 |
| Loan loss allowance to noncurrent loans | 249.8182% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 1,848 |
| Noncurrent loans to loans | 0.5230% | 1,513 |
| Net loans and leases to total assets | 54.4500% | 3,326 |
| Net loans and leases to deposits | 64.3199% | 3,244 |
| Net loans and leases to core deposits | 73.4702% | 3,026 |
| Total domestic deposits to total assets | 84.6600% | 2,611 |
| Equity capital to assets | 5.9358% | 4,013 |
| Core capital (leverage) ratio | 9.8822% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $375,984,000 | 2,102 |
| Average earning assets | $334,297,750 | 2,166 |
| Average equity | $23,714,250 | 2,585 |
| Average total loans | $213,021,250 | 2,210 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 2,008 |
| Cost of funding earning assets | 1.2716% | 1,782 |
| Net interest margin | 3.5212% | 2,218 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.0793% | 926 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.4287% | 3,948 |
| Return on assets (ROA) | 0.4270% | 3,953 |
| Pretax return on assets | 0.5339% | 3,907 |
| Return on Equity (ROE) | 6.6400% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.6373% | 2,401 |
| Net charge-offs to loans | 0.0870% | 744 |
| Credit loss provision to net charge-offs | 10.7527% | 1,793 |
| Earnings coverage of net charge-offs (x) | 10.8925% | 1,981 |
| Efficiency ratio | 85.0480% | 542 |
| Assets per employee ($millions) | 5.3309% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 1,966 |
| Loan loss allowance to noncurrent loans | 68.4027% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 420 |
| Noncurrent loans to loans | 1.8880% | 309 |
| Net loans and leases to total assets | 55.4300% | 3,157 |
| Net loans and leases to deposits | 64.3728% | 3,172 |
| Net loans and leases to core deposits | 73.0229% | 2,959 |
| Total domestic deposits to total assets | 86.1100% | 2,202 |
| Equity capital to assets | 6.4582% | 4,008 |
| Core capital (leverage) ratio | 9.7688% | 2,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $374,236,000 | 2,106 |
| Average earning assets | $333,753,667 | 2,171 |
| Average equity | $24,076,000 | 2,568 |
| Average total loans | $213,914,667 | 2,195 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 1,965 |
| Cost of funding earning assets | 1.0720% | 1,830 |
| Net interest margin | 3.5790% | 2,171 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 3.1152% | 910 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.4312% | 4,031 |
| Return on assets (ROA) | 0.4278% | 3,990 |
| Pretax return on assets | 0.5568% | 3,912 |
| Return on Equity (ROE) | 6.6600% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.6633% | 2,599 |
| Net charge-offs to loans | 0.1845% | 392 |
| Credit loss provision to net charge-offs | 10.1010% | 1,404 |
| Earnings coverage of net charge-offs (x) | 5.3737% | 1,818 |
| Efficiency ratio | 84.4898% | 568 |
| Assets per employee ($millions) | 5.4762% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 2,147 |
| Loan loss allowance to noncurrent loans | 68.2532% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0777% | 366 |
| Noncurrent loans to loans | 1.8700% | 318 |
| Net loans and leases to total assets | 56.8900% | 2,967 |
| Net loans and leases to deposits | 63.0159% | 3,166 |
| Net loans and leases to core deposits | 71.0918% | 2,879 |
| Total domestic deposits to total assets | 90.2800% | 1,054 |
| Equity capital to assets | 6.6789% | 3,974 |
| Core capital (leverage) ratio | 9.7835% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $372,107,000 | 2,145 |
| Average earning assets | $332,833,000 | 2,200 |
| Average equity | $23,892,000 | 2,609 |
| Average total loans | $214,594,000 | 2,206 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 1,116 |
| Cost of funding earning assets | 0.4388% | 1,798 |
| Net interest margin | 3.8315% | 1,099 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.2184% | 700 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.4688% | 4,138 |
| Return on assets (ROA) | 0.4730% | 4,094 |
| Pretax return on assets | 0.5366% | 4,118 |
| Return on Equity (ROE) | 6.4000% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.4873% | 3,239 |
| Net charge-offs to loans | 0.0654% | 992 |
| Credit loss provision to net charge-offs | 540.1515% | 645 |
| Earnings coverage of net charge-offs (x) | 19.6591% | 1,904 |
| Efficiency ratio | 81.4444% | 627 |
| Assets per employee ($millions) | 5.8099% | 2,942 |
| Cash dividends to net income (ytd only)* | 29.8686% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 1,816 |
| Loan loss allowance to noncurrent loans | 70.4710% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 393 |
| Noncurrent loans to loans | 1.8700% | 311 |
| Net loans and leases to total assets | 56.9500% | 2,921 |
| Net loans and leases to deposits | 63.0904% | 3,110 |
| Net loans and leases to core deposits | 70.4881% | 2,844 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 6.1622% | 4,033 |
| Core capital (leverage) ratio | 9.7942% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $353,905,200 | 2,209 |
| Average earning assets | $317,944,400 | 2,247 |
| Average equity | $26,163,000 | 2,524 |
| Average total loans | $201,809,200 | 2,216 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 899 |
| Cost of funding earning assets | 0.3526% | 1,678 |
| Net interest margin | 3.8422% | 889 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 3.2666% | 623 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.4487% | 4,167 |
| Return on assets (ROA) | 0.4545% | 4,107 |
| Pretax return on assets | 0.5403% | 4,087 |
| Return on Equity (ROE) | 5.8900% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.8867% | 2,792 |
| Net charge-offs to loans | 0.0557% | 927 |
| Credit loss provision to net charge-offs | 530.1205% | 592 |
| Earnings coverage of net charge-offs (x) | 22.1446% | 1,673 |
| Efficiency ratio | 82.3252% | 638 |
| Assets per employee ($millions) | 5.8637% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,178 |
| Loan loss allowance to noncurrent loans | 371.8571% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.1925% | 2,318 |
| Noncurrent loans to loans | 0.3412% | 2,009 |
| Net loans and leases to total assets | 55.7200% | 2,929 |
| Net loans and leases to deposits | 60.4435% | 3,157 |
| Net loans and leases to core deposits | 67.6528% | 2,828 |
| Total domestic deposits to total assets | 92.1900% | 820 |
| Equity capital to assets | 5.8608% | 4,015 |
| Core capital (leverage) ratio | 9.6362% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $349,423,500 | 2,239 |
| Average earning assets | $314,981,750 | 2,278 |
| Average equity | $26,975,500 | 2,517 |
| Average total loans | $198,613,000 | 2,236 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 768 |
| Cost of funding earning assets | 0.2685% | 2,045 |
| Net interest margin | 3.8311% | 701 |
| Noninterest income to average assets | 0.4758% | 2,327 |
| Noninterest expense to average assets | 3.2311% | 600 |
| Loan and lease loss provision to assets | 0.2553% | 278 |
| Net operating income to assets | 0.3726% | 4,165 |
| Return on assets (ROA) | 0.3806% | 4,097 |
| Pretax return on assets | 0.4676% | 4,048 |
| Return on Equity (ROE) | 4.5453% | 3,899 |
| Retained earnings to average equity (ytd only) | 4.5453% | 2,862 |
| Net charge-offs to loans | 0.0876% | 631 |
| Credit loss provision to net charge-offs | 511.6279% | 621 |
| Earnings coverage of net charge-offs (x) | 14.2907% | 1,660 |
| Efficiency ratio | 81.9212% | 804 |
| Assets per employee ($millions) | 6.6993% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,350 |
| Loan loss allowance to noncurrent loans | 434.9498% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 2,571 |
| Noncurrent loans to loans | 0.2912% | 2,306 |
| Net loans and leases to total assets | 55.0206% | 2,859 |
| Net loans and leases to deposits | 61.5048% | 2,925 |
| Net loans and leases to core deposits | 70.4140% | 2,460 |
| Total domestic deposits to total assets | 89.4573% | 1,970 |
| Equity capital to assets | 6.7980% | 3,878 |
| Core capital (leverage) ratio | 9.9049% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $344,715,000 | 2,268 |
| Average earning assets | $312,077,000 | 2,316 |
| Average equity | $28,865,000 | 2,473 |
| Average total loans | $196,422,000 | 2,259 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 656 |
| Cost of funding earning assets | 0.2449% | 2,217 |
| Net interest margin | 3.8370% | 588 |
| Noninterest income to average assets | 0.4555% | 2,377 |
| Noninterest expense to average assets | 3.2051% | 601 |
| Loan and lease loss provision to assets | 0.2163% | 325 |
| Net operating income to assets | 0.4266% | 3,898 |
| Return on assets (ROA) | 0.4266% | 3,861 |
| Pretax return on assets | 0.5168% | 3,841 |
| Return on Equity (ROE) | 4.6144% | 3,724 |
| Retained earnings to average equity (ytd only) | 4.6144% | 2,733 |
| Net charge-offs to loans | 0.2230% | 279 |
| Credit loss provision to net charge-offs | 168.2243% | 827 |
| Earnings coverage of net charge-offs (x) | 5.7009% | 1,593 |
| Efficiency ratio | 81.3854% | 1,037 |
| Assets per employee ($millions) | 6.3457% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,820 |
| Loan loss allowance to noncurrent loans | 371.2000% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,583 |
| Noncurrent loans to loans | 0.3253% | 2,310 |
| Net loans and leases to total assets | 52.4839% | 2,942 |
| Net loans and leases to deposits | 58.3585% | 3,045 |
| Net loans and leases to core deposits | 65.9032% | 2,635 |
| Total domestic deposits to total assets | 89.9336% | 1,606 |
| Equity capital to assets | 8.2028% | 3,407 |
| Core capital (leverage) ratio | 10.5321% | 1,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,840,500 | 2,328 |
| Average earning assets | $302,108,500 | 2,379 |
| Average equity | $30,773,500 | 2,443 |
| Average total loans | $191,967,000 | 2,285 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 1,293 |
| Cost of funding earning assets | 0.2591% | 2,822 |
| Net interest margin | 3.7698% | 1,070 |
| Noninterest income to average assets | 0.5211% | 2,479 |
| Noninterest expense to average assets | 3.1784% | 749 |
| Loan and lease loss provision to assets | 0.1589% | 749 |
| Net operating income to assets | 0.4968% | 4,091 |
| Return on assets (ROA) | 0.4968% | 4,134 |
| Pretax return on assets | 0.6191% | 4,076 |
| Return on Equity (ROE) | 4.9536% | 4,009 |
| Retained earnings to average equity (ytd only) | 0.0204% | 4,480 |
| Net charge-offs to loans | 0.1894% | 513 |
| Credit loss provision to net charge-offs | 136.7647% | 1,545 |
| Earnings coverage of net charge-offs (x) | 6.6971% | 2,384 |
| Efficiency ratio | 80.3351% | 787 |
| Assets per employee ($millions) | 4.9028% | 3,818 |
| Cash dividends to net income (ytd only)* | 99.5873% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 3,015 |
| Loan loss allowance to noncurrent loans | 259.4688% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 2,117 |
| Noncurrent loans to loans | 0.4516% | 2,006 |
| Net loans and leases to total assets | 62.3504% | 1,899 |
| Net loans and leases to deposits | 70.3554% | 2,097 |
| Net loans and leases to core deposits | 72.0500% | 2,255 |
| Total domestic deposits to total assets | 88.6221% | 1,720 |
| Equity capital to assets | 10.4868% | 2,189 |
| Core capital (leverage) ratio | 11.1483% | 1,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9041% | 1,287 |
| Memoranda: | ||
| Average total assets | $292,663,000 | 2,472 |
| Average earning assets | $266,696,200 | 2,512 |
| Average equity | $29,352,400 | 2,577 |
| Average total loans | $179,510,400 | 2,389 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 1,497 |
| Cost of funding earning assets | 0.2754% | 2,845 |
| Net interest margin | 3.7431% | 1,240 |
| Noninterest income to average assets | 0.5083% | 2,584 |
| Noninterest expense to average assets | 3.1682% | 749 |
| Loan and lease loss provision to assets | 0.1380% | 827 |
| Net operating income to assets | 0.4734% | 4,249 |
| Return on assets (ROA) | 0.4734% | 4,292 |
| Pretax return on assets | 0.6155% | 4,215 |
| Return on Equity (ROE) | 4.7768% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.9571% | 3,923 |
| Net charge-offs to loans | 0.2531% | 321 |
| Credit loss provision to net charge-offs | 89.5522% | 1,665 |
| Earnings coverage of net charge-offs (x) | 4.8896% | 2,244 |
| Efficiency ratio | 80.7859% | 707 |
| Assets per employee ($millions) | 4.9568% | 3,738 |
| Cash dividends to net income (ytd only)* | 38.0952% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,304 |
| Loan loss allowance to noncurrent loans | 226.6015% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 2,249 |
| Noncurrent loans to loans | 0.4976% | 2,064 |
| Net loans and leases to total assets | 60.5292% | 2,191 |
| Net loans and leases to deposits | 68.7798% | 2,358 |
| Net loans and leases to core deposits | 70.8198% | 2,529 |
| Total domestic deposits to total assets | 88.0042% | 1,837 |
| Equity capital to assets | 10.7873% | 2,177 |
| Core capital (leverage) ratio | 11.3660% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6348% | 1,019 |
| Memoranda: | ||
| Average total assets | $289,835,250 | 2,501 |
| Average earning assets | $264,299,250 | 2,542 |
| Average equity | $28,721,250 | 2,639 |
| Average total loans | $176,444,000 | 2,448 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 1,665 |
| Cost of funding earning assets | 0.3094% | 2,683 |
| Net interest margin | 3.6469% | 1,477 |
| Noninterest income to average assets | 0.4915% | 2,655 |
| Noninterest expense to average assets | 3.1163% | 819 |
| Loan and lease loss provision to assets | 0.1295% | 963 |
| Net operating income to assets | 0.4243% | 4,337 |
| Return on assets (ROA) | 0.4243% | 4,381 |
| Pretax return on assets | 0.5881% | 4,253 |
| Return on Equity (ROE) | 4.4197% | 4,247 |
| Retained earnings to average equity (ytd only) | 3.8727% | 3,559 |
| Net charge-offs to loans | -0.0081% | 3,599 |
| Credit loss provision to net charge-offs | -2,642.8571% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2820% | 713 |
| Assets per employee ($millions) | 4.3736% | 4,203 |
| Cash dividends to net income (ytd only)* | 12.3762% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,767 |
| Loan loss allowance to noncurrent loans | 71.9751% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 615 |
| Noncurrent loans to loans | 1.7108% | 618 |
| Net loans and leases to total assets | 66.3100% | 1,663 |
| Net loans and leases to deposits | 76.2544% | 1,792 |
| Net loans and leases to core deposits | 78.3966% | 2,013 |
| Total domestic deposits to total assets | 86.9589% | 2,344 |
| Equity capital to assets | 11.7635% | 1,480 |
| Core capital (leverage) ratio | 11.5937% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2402% | 1,279 |
| Memoranda: | ||
| Average total assets | $285,658,667 | 2,517 |
| Average earning assets | $261,813,000 | 2,548 |
| Average equity | $27,422,667 | 2,707 |
| Average total loans | $173,556,667 | 2,484 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 1,860 |
| Cost of funding earning assets | 0.2850% | 3,144 |
| Net interest margin | 3.6015% | 1,580 |
| Noninterest income to average assets | 0.4270% | 2,946 |
| Noninterest expense to average assets | 3.0652% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5781% | 3,998 |
| Return on assets (ROA) | 0.5781% | 4,049 |
| Pretax return on assets | 0.6724% | 4,074 |
| Return on Equity (ROE) | 6.7611% | 3,663 |
| Retained earnings to average equity (ytd only) | 6.7611% | 2,648 |
| Net charge-offs to loans | -0.0048% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0104% | 700 |
| Assets per employee ($millions) | 5.3166% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,753 |
| Loan loss allowance to noncurrent loans | 66.2301% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.0771% | 749 |
| Noncurrent loans to loans | 1.8597% | 609 |
| Net loans and leases to total assets | 57.2055% | 2,881 |
| Net loans and leases to deposits | 71.6487% | 2,345 |
| Net loans and leases to core deposits | 73.7912% | 2,532 |
| Total domestic deposits to total assets | 79.8416% | 4,228 |
| Equity capital to assets | 8.8156% | 3,867 |
| Core capital (leverage) ratio | 10.7216% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3851% | 868 |
| Memoranda: | ||
| Average total assets | $288,534,000 | 2,496 |
| Average earning assets | $265,223,500 | 2,518 |
| Average equity | $24,670,500 | 2,894 |
| Average total loans | $166,374,500 | 2,542 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 2,058 |
| Cost of funding earning assets | 0.3914% | 3,635 |
| Net interest margin | 3.8385% | 1,398 |
| Noninterest income to average assets | 0.5089% | 2,590 |
| Noninterest expense to average assets | 3.2383% | 989 |
| Loan and lease loss provision to assets | 0.3018% | 1,245 |
| Net operating income to assets | 0.6894% | 3,467 |
| Return on assets (ROA) | 0.9289% | 2,717 |
| Pretax return on assets | 0.7210% | 3,841 |
| Return on Equity (ROE) | 9.9171% | 2,034 |
| Retained earnings to average equity (ytd only) | 4.3227% | 2,640 |
| Net charge-offs to loans | 0.0230% | 2,586 |
| Credit loss provision to net charge-offs | 2,048.5714% | 434 |
| Earnings coverage of net charge-offs (x) | 53.1714% | 1,143 |
| Efficiency ratio | 80.5233% | 851 |
| Assets per employee ($millions) | 5.1729% | 3,194 |
| Cash dividends to net income (ytd only)* | 56.4114% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,292 |
| Loan loss allowance to noncurrent loans | 62.4485% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 707 |
| Noncurrent loans to loans | 2.1197% | 517 |
| Net loans and leases to total assets | 56.6286% | 3,233 |
| Net loans and leases to deposits | 69.9586% | 2,883 |
| Net loans and leases to core deposits | 72.2938% | 3,045 |
| Total domestic deposits to total assets | 80.9459% | 3,881 |
| Equity capital to assets | 8.2675% | 4,590 |
| Core capital (leverage) ratio | 9.8044% | 2,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4142% | 1,167 |
| Memoranda: | ||
| Average total assets | $237,594,400 | 2,671 |
| Average earning assets | $217,429,400 | 2,690 |
| Average equity | $22,254,400 | 2,991 |
| Average total loans | $151,970,000 | 2,650 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,061 |
| Cost of funding earning assets | 0.4173% | 3,721 |
| Net interest margin | 3.8943% | 1,364 |
| Noninterest income to average assets | 0.5541% | 2,374 |
| Noninterest expense to average assets | 2.8414% | 1,846 |
| Loan and lease loss provision to assets | 0.3416% | 1,122 |
| Net operating income to assets | 0.9374% | 2,577 |
| Return on assets (ROA) | 1.2713% | 1,532 |
| Pretax return on assets | 1.2713% | 2,152 |
| Return on Equity (ROE) | 13.1004% | 1,077 |
| Retained earnings to average equity (ytd only) | 8.7397% | 1,059 |
| Net charge-offs to loans | 0.0258% | 2,316 |
| Credit loss provision to net charge-offs | 2,006.8966% | 470 |
| Earnings coverage of net charge-offs (x) | 75.1379% | 955 |
| Efficiency ratio | 68.9601% | 2,046 |
| Assets per employee ($millions) | 5.1269% | 3,083 |
| Cash dividends to net income (ytd only)* | 33.2872% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,724 |
| Loan loss allowance to noncurrent loans | 63.2498% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 821 |
| Noncurrent loans to loans | 1.8805% | 676 |
| Net loans and leases to total assets | 62.1035% | 2,994 |
| Net loans and leases to deposits | 85.1363% | 1,796 |
| Net loans and leases to core deposits | 88.4752% | 2,105 |
| Total domestic deposits to total assets | 72.9460% | 4,639 |
| Equity capital to assets | 8.4782% | 4,475 |
| Core capital (leverage) ratio | 10.3123% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2287% | 2,097 |
| Memoranda: | ||
| Average total assets | $227,159,000 | 2,722 |
| Average earning assets | $208,023,250 | 2,745 |
| Average equity | $22,044,500 | 2,999 |
| Average total loans | $149,886,000 | 2,671 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 1,385 |
| Cost of funding earning assets | 0.4824% | 3,641 |
| Net interest margin | 4.2263% | 864 |
| Noninterest income to average assets | 0.6570% | 1,909 |
| Noninterest expense to average assets | 3.3194% | 962 |
| Loan and lease loss provision to assets | 0.3869% | 1,063 |
| Net operating income to assets | 1.4812% | 954 |
| Return on assets (ROA) | 1.4812% | 1,037 |
| Pretax return on assets | 0.8149% | 3,545 |
| Return on Equity (ROE) | 14.5025% | 789 |
| Retained earnings to average equity (ytd only) | 10.3119% | 734 |
| Net charge-offs to loans | 0.0153% | 2,439 |
| Credit loss provision to net charge-offs | 3,763.6364% | 286 |
| Earnings coverage of net charge-offs (x) | 116.9091% | 637 |
| Efficiency ratio | 73.4188% | 1,519 |
| Assets per employee ($millions) | 4.8591% | 3,351 |
| Cash dividends to net income (ytd only)* | 28.8959% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,206 |
| Loan loss allowance to noncurrent loans | 53.0190% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3948% | 702 |
| Noncurrent loans to loans | 2.0280% | 659 |
| Net loans and leases to total assets | 64.6566% | 2,801 |
| Net loans and leases to deposits | 87.1895% | 1,643 |
| Net loans and leases to core deposits | 90.4036% | 2,041 |
| Total domestic deposits to total assets | 74.1564% | 4,586 |
| Equity capital to assets | 8.6282% | 4,406 |
| Core capital (leverage) ratio | 9.6196% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7303% | 803 |
| Memoranda: | ||
| Average total assets | $214,012,000 | 2,800 |
| Average earning assets | $195,680,000 | 2,822 |
| Average equity | $21,858,333 | 3,000 |
| Average total loans | $143,994,333 | 2,710 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 1,054 |
| Cost of funding earning assets | 0.6077% | 3,394 |
| Net interest margin | 4.3470% | 696 |
| Noninterest income to average assets | 0.9483% | 959 |
| Noninterest expense to average assets | 3.5507% | 864 |
| Loan and lease loss provision to assets | 0.3540% | 873 |
| Net operating income to assets | 0.9925% | 2,198 |
| Return on assets (ROA) | 0.9925% | 2,298 |
| Pretax return on assets | 0.9925% | 2,865 |
| Return on Equity (ROE) | 8.7761% | 2,203 |
| Retained earnings to average equity (ytd only) | -8.4407% | 4,713 |
| Net charge-offs to loans | 0.0123% | 2,144 |
| Credit loss provision to net charge-offs | 4,200.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 159.7500% | 412 |
| Efficiency ratio | 72.5043% | 2,001 |
| Assets per employee ($millions) | 3.9031% | 4,046 |
| Cash dividends to net income (ytd only)* | 196.1783% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,529 |
| Loan loss allowance to noncurrent loans | 47.0519% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.8401% | 484 |
| Noncurrent loans to loans | 2.6058% | 446 |
| Net loans and leases to total assets | 66.2132% | 2,794 |
| Net loans and leases to deposits | 75.3442% | 3,136 |
| Net loans and leases to core deposits | 81.4655% | 3,067 |
| Total domestic deposits to total assets | 87.8810% | 1,153 |
| Equity capital to assets | 10.8119% | 3,042 |
| Core capital (leverage) ratio | 11.1220% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2876% | 1,102 |
| Memoranda: | ||
| Average total assets | $189,821,000 | 2,955 |
| Average earning assets | $172,442,500 | 2,990 |
| Average equity | $21,467,500 | 3,030 |
| Average total loans | $130,242,000 | 2,830 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 1,198 |
| Cost of funding earning assets | 0.5328% | 3,961 |
| Net interest margin | 4.5752% | 602 |
| Noninterest income to average assets | 0.7264% | 1,720 |
| Noninterest expense to average assets | 3.6538% | 802 |
| Loan and lease loss provision to assets | 0.0470% | 3,086 |
| Net operating income to assets | 1.1404% | 2,291 |
| Return on assets (ROA) | 1.1404% | 2,391 |
| Pretax return on assets | 1.1404% | 3,041 |
| Return on Equity (ROE) | 10.5529% | 2,064 |
| Retained earnings to average equity (ytd only) | 1.8041% | 4,080 |
| Net charge-offs to loans | 0.0875% | 1,870 |
| Credit loss provision to net charge-offs | 76.1905% | 2,839 |
| Earnings coverage of net charge-offs (x) | 19.2571% | 2,011 |
| Efficiency ratio | 75.4731% | 1,426 |
| Assets per employee ($millions) | 3.7650% | 4,198 |
| Cash dividends to net income (ytd only)* | 82.9042% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,889 |
| Loan loss allowance to noncurrent loans | 38.9189% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.0056% | 390 |
| Noncurrent loans to loans | 2.8536% | 342 |
| Net loans and leases to total assets | 69.5018% | 2,475 |
| Net loans and leases to deposits | 80.1146% | 2,769 |
| Net loans and leases to core deposits | 84.0942% | 2,938 |
| Total domestic deposits to total assets | 86.7529% | 1,729 |
| Equity capital to assets | 11.8356% | 2,253 |
| Core capital (leverage) ratio | 11.9964% | 1,783 |
| Tier 1 risk-based capital ratio | 18.0655% | 1,743 |
| Total risk-based capital ratio | 19.2700% | 1,710 |
| Memoranda: | ||
| Average total assets | $170,287,400 | 3,108 |
| Average earning assets | $153,150,200 | 3,153 |
| Average equity | $18,402,600 | 3,297 |
| Average total loans | $119,946,800 | 2,946 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 1,289 |
| Cost of funding earning assets | 0.5074% | 4,111 |
| Net interest margin | 4.5892% | 630 |
| Noninterest income to average assets | 0.7093% | 1,742 |
| Noninterest expense to average assets | 3.5568% | 893 |
| Loan and lease loss provision to assets | 0.0624% | 2,649 |
| Net operating income to assets | 1.2051% | 2,177 |
| Return on assets (ROA) | 1.2051% | 2,261 |
| Pretax return on assets | 1.2051% | 2,966 |
| Return on Equity (ROE) | 11.4525% | 1,820 |
| Retained earnings to average equity (ytd only) | 4.5141% | 3,135 |
| Net charge-offs to loans | 0.1089% | 1,376 |
| Credit loss provision to net charge-offs | 81.2500% | 2,483 |
| Earnings coverage of net charge-offs (x) | 16.5100% | 2,141 |
| Efficiency ratio | 73.7278% | 1,611 |
| Assets per employee ($millions) | 3.4807% | 4,515 |
| Cash dividends to net income (ytd only)* | 60.5839% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,614 |
| Loan loss allowance to noncurrent loans | 37.5357% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.2151% | 359 |
| Noncurrent loans to loans | 3.1443% | 297 |
| Net loans and leases to total assets | 69.6173% | 2,530 |
| Net loans and leases to deposits | 80.2003% | 2,875 |
| Net loans and leases to core deposits | 85.1725% | 2,974 |
| Total domestic deposits to total assets | 86.8042% | 1,619 |
| Equity capital to assets | 11.3846% | 2,754 |
| Core capital (leverage) ratio | 11.5140% | 2,206 |
| Tier 1 risk-based capital ratio | 17.3245% | 1,989 |
| Total risk-based capital ratio | 18.5749% | 1,951 |
| Memoranda: | ||
| Average total assets | $166,737,750 | 3,164 |
| Average earning assets | $149,506,750 | 3,208 |
| Average equity | $17,544,500 | 3,407 |
| Average total loans | $117,518,250 | 3,000 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 1,691 |
| Cost of funding earning assets | 0.4761% | 4,226 |
| Net interest margin | 4.4454% | 861 |
| Noninterest income to average assets | 0.7036% | 1,697 |
| Noninterest expense to average assets | 3.5872% | 863 |
| Loan and lease loss provision to assets | 0.0949% | 1,954 |
| Net operating income to assets | 0.9994% | 2,924 |
| Return on assets (ROA) | 0.9994% | 2,993 |
| Pretax return on assets | 0.9994% | 3,553 |
| Return on Equity (ROE) | 9.7806% | 2,490 |
| Retained earnings to average equity (ytd only) | 2.0610% | 4,090 |
| Net charge-offs to loans | 0.0915% | 1,447 |
| Credit loss provision to net charge-offs | 147.1698% | 1,516 |
| Earnings coverage of net charge-offs (x) | 16.9623% | 1,909 |
| Efficiency ratio | 76.6251% | 1,317 |
| Assets per employee ($millions) | 3.5767% | 4,405 |
| Cash dividends to net income (ytd only)* | 78.9281% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,329 |
| Loan loss allowance to noncurrent loans | 35.6204% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.5026% | 297 |
| Noncurrent loans to loans | 3.4669% | 242 |
| Net loans and leases to total assets | 70.8862% | 2,411 |
| Net loans and leases to deposits | 80.3523% | 2,912 |
| Net loans and leases to core deposits | 86.9626% | 2,888 |
| Total domestic deposits to total assets | 88.2193% | 998 |
| Equity capital to assets | 10.0752% | 3,913 |
| Core capital (leverage) ratio | 10.1820% | 3,408 |
| Tier 1 risk-based capital ratio | 15.1666% | 2,762 |
| Total risk-based capital ratio | 16.4173% | 2,695 |
| Memoranda: | ||
| Average total assets | $164,306,000 | 3,203 |
| Average earning assets | $147,028,000 | 3,255 |
| Average equity | $16,788,330 | 3,484 |
| Average total loans | $115,823,000 | 3,033 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 1,595 |
| Cost of funding earning assets | 0.4355% | 4,343 |
| Net interest margin | 4.4630% | 798 |
| Noninterest income to average assets | 0.6946% | 1,633 |
| Noninterest expense to average assets | 3.7068% | 749 |
| Loan and lease loss provision to assets | 0.0197% | 3,188 |
| Net operating income to assets | 0.9556% | 3,026 |
| Return on assets (ROA) | 0.9556% | 3,069 |
| Pretax return on assets | 0.9556% | 3,603 |
| Return on Equity (ROE) | 9.2856% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.8155% | 2,538 |
| Net charge-offs to loans | 0.4938% | 308 |
| Credit loss provision to net charge-offs | 5.7143% | 2,197 |
| Earnings coverage of net charge-offs (x) | 2.8286% | 2,455 |
| Efficiency ratio | 79.1689% | 1,139 |
| Assets per employee ($millions) | 3.6398% | 4,420 |
| Cash dividends to net income (ytd only)* | 37.3711% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,776 |
| Loan loss allowance to noncurrent loans | 36.3810% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.2633% | 383 |
| Noncurrent loans to loans | 3.1971% | 317 |
| Net loans and leases to total assets | 69.1552% | 2,603 |
| Net loans and leases to deposits | 78.1749% | 3,041 |
| Net loans and leases to core deposits | 82.2890% | 3,163 |
| Total domestic deposits to total assets | 88.4621% | 1,103 |
| Equity capital to assets | 10.3260% | 3,502 |
| Core capital (leverage) ratio | 10.4093% | 3,151 |
| Tier 1 risk-based capital ratio | 15.3303% | 2,738 |
| Total risk-based capital ratio | 16.5499% | 2,660 |
| Memoranda: | ||
| Average total assets | $162,406,000 | 3,270 |
| Average earning assets | $145,104,000 | 3,311 |
| Average equity | $16,714,000 | 3,506 |
| Average total loans | $113,407,500 | 3,109 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 1,304 |
| Cost of funding earning assets | 0.3398% | 4,349 |
| Net interest margin | 4.5554% | 682 |
| Noninterest income to average assets | 0.7546% | 1,623 |
| Noninterest expense to average assets | 3.4787% | 1,021 |
| Loan and lease loss provision to assets | 0.3418% | 453 |
| Net operating income to assets | 1.0017% | 3,003 |
| Return on assets (ROA) | 1.0030% | 2,983 |
| Pretax return on assets | 1.0030% | 3,589 |
| Return on Equity (ROE) | 9.4522% | 2,765 |
| Retained earnings to average equity (ytd only) | 1.4778% | 4,543 |
| Net charge-offs to loans | 0.0170% | 3,119 |
| Credit loss provision to net charge-offs | 2,966.6667% | 167 |
| Earnings coverage of net charge-offs (x) | 116.6111% | 660 |
| Efficiency ratio | 72.1396% | 1,872 |
| Assets per employee ($millions) | 3.8338% | 4,130 |
| Cash dividends to net income (ytd only)* | 84.3650% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,011 |
| Loan loss allowance to noncurrent loans | 48.1275% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.9171% | 515 |
| Noncurrent loans to loans | 2.7127% | 415 |
| Net loans and leases to total assets | 68.7780% | 2,768 |
| Net loans and leases to deposits | 77.5045% | 3,228 |
| Net loans and leases to core deposits | 81.4178% | 3,314 |
| Total domestic deposits to total assets | 88.7406% | 967 |
| Equity capital to assets | 10.2564% | 3,422 |
| Core capital (leverage) ratio | 10.4948% | 3,032 |
| Tier 1 risk-based capital ratio | 15.3121% | 2,696 |
| Total risk-based capital ratio | 16.5630% | 2,620 |
| Memoranda: | ||
| Average total assets | $156,234,800 | 3,323 |
| Average earning assets | $139,506,000 | 3,363 |
| Average equity | $16,578,200 | 3,452 |
| Average total loans | $105,936,000 | 3,202 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 1,385 |
| Cost of funding earning assets | 0.3282% | 4,320 |
| Net interest margin | 4.4873% | 761 |
| Noninterest income to average assets | 0.7654% | 1,606 |
| Noninterest expense to average assets | 3.4864% | 997 |
| Loan and lease loss provision to assets | 0.1488% | 1,334 |
| Net operating income to assets | 1.1395% | 2,493 |
| Return on assets (ROA) | 1.1395% | 2,505 |
| Pretax return on assets | 1.1395% | 3,245 |
| Return on Equity (ROE) | 10.6461% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.1664% | 3,144 |
| Net charge-offs to loans | 0.0409% | 2,270 |
| Credit loss provision to net charge-offs | 540.6250% | 655 |
| Earnings coverage of net charge-offs (x) | 46.8076% | 1,225 |
| Efficiency ratio | 73.0187% | 1,729 |
| Assets per employee ($millions) | 3.6591% | 4,363 |
| Cash dividends to net income (ytd only)* | 51.4717% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,858 |
| Loan loss allowance to noncurrent loans | 35.1047% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 1.9963% | 531 |
| Noncurrent loans to loans | 2.8102% | 419 |
| Net loans and leases to total assets | 69.5318% | 2,719 |
| Net loans and leases to deposits | 79.1409% | 3,128 |
| Net loans and leases to core deposits | 83.3272% | 3,210 |
| Total domestic deposits to total assets | 87.8582% | 1,304 |
| Equity capital to assets | 10.6895% | 2,942 |
| Core capital (leverage) ratio | 10.6781% | 2,905 |
| Tier 1 risk-based capital ratio | 16.0124% | 2,448 |
| Total risk-based capital ratio | 17.0445% | 2,462 |
| Memoranda: | ||
| Average total assets | $155,038,250 | 3,360 |
| Average earning assets | $138,522,250 | 3,414 |
| Average equity | $16,594,000 | 3,471 |
| Average total loans | $104,367,000 | 3,251 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 1,556 |
| Cost of funding earning assets | 0.3184% | 4,279 |
| Net interest margin | 4.3603% | 925 |
| Noninterest income to average assets | 0.7882% | 1,506 |
| Noninterest expense to average assets | 3.5120% | 985 |
| Loan and lease loss provision to assets | 0.0532% | 2,850 |
| Net operating income to assets | 1.1292% | 2,479 |
| Return on assets (ROA) | 1.1292% | 2,486 |
| Pretax return on assets | 1.1292% | 3,196 |
| Return on Equity (ROE) | 10.5454% | 2,311 |
| Retained earnings to average equity (ytd only) | 4.2860% | 3,461 |
| Net charge-offs to loans | 0.0293% | 2,273 |
| Credit loss provision to net charge-offs | 273.3333% | 1,079 |
| Earnings coverage of net charge-offs (x) | 60.8000% | 988 |
| Efficiency ratio | 74.8136% | 1,590 |
| Assets per employee ($millions) | 3.3988% | 4,715 |
| Cash dividends to net income (ytd only)* | 59.3571% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,256 |
| Loan loss allowance to noncurrent loans | 30.6315% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.1254% | 482 |
| Noncurrent loans to loans | 2.9981% | 379 |
| Net loans and leases to total assets | 67.2828% | 2,977 |
| Net loans and leases to deposits | 76.3892% | 3,295 |
| Net loans and leases to core deposits | 80.8998% | 3,333 |
| Total domestic deposits to total assets | 88.0790% | 1,334 |
| Equity capital to assets | 10.6303% | 2,994 |
| Core capital (leverage) ratio | 10.7230% | 2,779 |
| Tier 1 risk-based capital ratio | 16.2084% | 2,364 |
| Total risk-based capital ratio | 17.1591% | 2,413 |
| Memoranda: | ||
| Average total assets | $154,270,670 | 3,390 |
| Average earning assets | $138,202,670 | 3,438 |
| Average equity | $16,519,000 | 3,497 |
| Average total loans | $102,325,330 | 3,301 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 1,663 |
| Cost of funding earning assets | 0.3168% | 4,221 |
| Net interest margin | 4.2550% | 1,034 |
| Noninterest income to average assets | 0.7753% | 1,534 |
| Noninterest expense to average assets | 3.4379% | 1,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1590% | 2,179 |
| Return on assets (ROA) | 1.1590% | 2,192 |
| Pretax return on assets | 1.1590% | 2,939 |
| Return on Equity (ROE) | 10.7842% | 2,053 |
| Retained earnings to average equity (ytd only) | 5.3192% | 3,030 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7871% | 1,781 |
| Assets per employee ($millions) | 3.5668% | 4,588 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 4,277 |
| Loan loss allowance to noncurrent loans | 32.2888% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.9306% | 607 |
| Noncurrent loans to loans | 2.8985% | 423 |
| Net loans and leases to total assets | 65.4263% | 3,121 |
| Net loans and leases to deposits | 74.2316% | 3,393 |
| Net loans and leases to core deposits | 78.1105% | 3,486 |
| Total domestic deposits to total assets | 88.1381% | 1,542 |
| Equity capital to assets | 10.7691% | 2,804 |
| Core capital (leverage) ratio | 10.8908% | 2,547 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,182 |
| Total risk-based capital ratio | 17.7552% | 2,227 |
| Memoranda: | ||
| Average total assets | $153,233,000 | 3,430 |
| Average earning assets | $137,627,500 | 3,482 |
| Average equity | $16,468,500 | 3,534 |
| Average total loans | $100,403,500 | 3,353 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,286 |
| Cost of funding earning assets | 0.2896% | 4,226 |
| Net interest margin | 4.3701% | 820 |
| Noninterest income to average assets | 0.7974% | 1,575 |
| Noninterest expense to average assets | 3.2915% | 1,388 |
| Loan and lease loss provision to assets | 0.2949% | 587 |
| Net operating income to assets | 1.1219% | 1,787 |
| Return on assets (ROA) | 1.1219% | 1,814 |
| Pretax return on assets | 1.1219% | 3,104 |
| Return on Equity (ROE) | 10.0593% | 1,858 |
| Retained earnings to average equity (ytd only) | 3.7537% | 2,976 |
| Net charge-offs to loans | 0.6518% | 334 |
| Credit loss provision to net charge-offs | 68.0952% | 3,116 |
| Earnings coverage of net charge-offs (x) | 3.2714% | 3,633 |
| Efficiency ratio | 69.9080% | 2,569 |
| Assets per employee ($millions) | 3.8273% | 4,240 |
| Cash dividends to net income (ytd only)* | 62.6838% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 4,189 |
| Loan loss allowance to noncurrent loans | 33.6048% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8610% | 642 |
| Noncurrent loans to loans | 2.8378% | 408 |
| Net loans and leases to total assets | 64.3815% | 3,318 |
| Net loans and leases to deposits | 72.8526% | 3,613 |
| Net loans and leases to core deposits | 76.7966% | 3,684 |
| Total domestic deposits to total assets | 88.3724% | 1,317 |
| Equity capital to assets | 10.7256% | 2,918 |
| Core capital (leverage) ratio | 10.5086% | 2,840 |
| Tier 1 risk-based capital ratio | 17.1688% | 2,034 |
| Total risk-based capital ratio | 18.1703% | 2,059 |
| Memoranda: | ||
| Average total assets | $145,465,600 | 3,533 |
| Average earning assets | $130,179,800 | 3,585 |
| Average equity | $16,223,800 | 3,565 |
| Average total loans | $96,660,400 | 3,401 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 1,463 |
| Cost of funding earning assets | 0.2785% | 4,331 |
| Net interest margin | 4.2864% | 953 |
| Noninterest income to average assets | 0.8089% | 1,554 |
| Noninterest expense to average assets | 3.2627% | 1,432 |
| Loan and lease loss provision to assets | 0.3966% | 342 |
| Net operating income to assets | 0.9798% | 2,643 |
| Return on assets (ROA) | 0.9798% | 2,698 |
| Pretax return on assets | 0.9798% | 3,766 |
| Return on Equity (ROE) | 8.6965% | 2,766 |
| Retained earnings to average equity (ytd only) | 5.5394% | 2,517 |
| Net charge-offs to loans | 0.1223% | 1,571 |
| Credit loss provision to net charge-offs | 485.2273% | 661 |
| Earnings coverage of net charge-offs (x) | 16.8410% | 2,149 |
| Efficiency ratio | 70.3303% | 2,485 |
| Assets per employee ($millions) | 3.8213% | 4,277 |
| Cash dividends to net income (ytd only)* | 36.3031% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 1,586 |
| Loan loss allowance to noncurrent loans | 36.9296% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.6516% | 381 |
| Noncurrent loans to loans | 4.0262% | 239 |
| Net loans and leases to total assets | 64.5417% | 3,321 |
| Net loans and leases to deposits | 73.6955% | 3,607 |
| Net loans and leases to core deposits | 77.8735% | 3,645 |
| Total domestic deposits to total assets | 87.5789% | 1,594 |
| Equity capital to assets | 10.8765% | 2,984 |
| Core capital (leverage) ratio | 10.8958% | 2,554 |
| Tier 1 risk-based capital ratio | 17.1983% | 2,097 |
| Total risk-based capital ratio | 18.4515% | 2,049 |
| Memoranda: | ||
| Average total assets | $143,559,000 | 3,587 |
| Average earning assets | $128,279,000 | 3,641 |
| Average equity | $16,174,750 | 3,607 |
| Average total loans | $95,947,500 | 3,441 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5101% | 1,490 |
| Cost of funding earning assets | 0.2718% | 4,358 |
| Net interest margin | 4.2383% | 997 |
| Noninterest income to average assets | 0.8145% | 1,521 |
| Noninterest expense to average assets | 3.3091% | 1,358 |
| Loan and lease loss provision to assets | 0.5866% | 192 |
| Net operating income to assets | 0.6934% | 3,872 |
| Return on assets (ROA) | 0.6934% | 3,940 |
| Pretax return on assets | 0.6934% | 4,566 |
| Return on Equity (ROE) | 6.0781% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.7348% | 4,555 |
| Net charge-offs to loans | 0.1777% | 1,117 |
| Credit loss provision to net charge-offs | 490.4762% | 678 |
| Earnings coverage of net charge-offs (x) | 10.7024% | 2,328 |
| Efficiency ratio | 72.1067% | 2,320 |
| Assets per employee ($millions) | 3.5359% | 4,665 |
| Cash dividends to net income (ytd only)* | 71.4579% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,512 |
| Loan loss allowance to noncurrent loans | 35.6059% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.8778% | 334 |
| Noncurrent loans to loans | 4.2719% | 206 |
| Net loans and leases to total assets | 66.0084% | 3,109 |
| Net loans and leases to deposits | 75.5135% | 3,403 |
| Net loans and leases to core deposits | 79.5413% | 3,454 |
| Total domestic deposits to total assets | 87.4127% | 1,758 |
| Equity capital to assets | 11.1057% | 2,700 |
| Core capital (leverage) ratio | 11.0538% | 2,356 |
| Tier 1 risk-based capital ratio | 17.3497% | 2,054 |
| Total risk-based capital ratio | 18.6038% | 2,008 |
| Memoranda: | ||
| Average total assets | $140,461,000 | 3,656 |
| Average earning assets | $125,098,000 | 3,722 |
| Average equity | $16,024,670 | 3,639 |
| Average total loans | $94,549,000 | 3,480 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 1,176 |
| Cost of funding earning assets | 0.2643% | 4,414 |
| Net interest margin | 4.3198% | 749 |
| Noninterest income to average assets | 0.7959% | 1,567 |
| Noninterest expense to average assets | 3.3342% | 1,322 |
| Loan and lease loss provision to assets | 0.1592% | 1,134 |
| Net operating income to assets | 1.1345% | 1,732 |
| Return on assets (ROA) | 1.1345% | 1,767 |
| Pretax return on assets | 1.1345% | 2,842 |
| Return on Equity (ROE) | 9.8080% | 2,051 |
| Retained earnings to average equity (ytd only) | 8.8822% | 1,120 |
| Net charge-offs to loans | 0.1673% | 974 |
| Credit loss provision to net charge-offs | 141.0256% | 1,258 |
| Earnings coverage of net charge-offs (x) | 11.4615% | 1,891 |
| Efficiency ratio | 72.0450% | 2,567 |
| Assets per employee ($millions) | 3.4091% | 4,918 |
| Cash dividends to net income (ytd only)* | 9.4388% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,937 |
| Loan loss allowance to noncurrent loans | 61.2717% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3765% | 1,219 |
| Noncurrent loans to loans | 2.0083% | 885 |
| Net loans and leases to total assets | 66.9588% | 2,821 |
| Net loans and leases to deposits | 76.9264% | 3,090 |
| Net loans and leases to core deposits | 80.8492% | 3,218 |
| Total domestic deposits to total assets | 87.0427% | 2,194 |
| Equity capital to assets | 11.6052% | 2,111 |
| Core capital (leverage) ratio | 11.8024% | 1,753 |
| Tier 1 risk-based capital ratio | 18.1252% | 1,825 |
| Total risk-based capital ratio | 19.3746% | 1,796 |
| Memoranda: | ||
| Average total assets | $138,206,000 | 3,723 |
| Average earning assets | $122,599,000 | 3,800 |
| Average equity | $15,987,000 | 3,665 |
| Average total loans | $93,238,000 | 3,533 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 1,504 |
| Cost of funding earning assets | 0.2659% | 4,407 |
| Net interest margin | 4.2445% | 1,024 |
| Noninterest income to average assets | 0.7749% | 1,857 |
| Noninterest expense to average assets | 3.2681% | 1,644 |
| Loan and lease loss provision to assets | 0.3118% | 599 |
| Net operating income to assets | 0.9709% | 2,488 |
| Return on assets (ROA) | 1.0730% | 2,124 |
| Pretax return on assets | 1.0730% | 3,207 |
| Return on Equity (ROE) | 9.1304% | 2,357 |
| Retained earnings to average equity (ytd only) | 1.3729% | 4,721 |
| Net charge-offs to loans | 0.0284% | 3,455 |
| Credit loss provision to net charge-offs | 1,795.8333% | 247 |
| Earnings coverage of net charge-offs (x) | 73.8750% | 759 |
| Efficiency ratio | 71.8124% | 2,616 |
| Assets per employee ($millions) | 3.3326% | 4,997 |
| Cash dividends to net income (ytd only)* | 84.9629% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,793 |
| Loan loss allowance to noncurrent loans | 252.1930% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 3,883 |
| Noncurrent loans to loans | 0.4972% | 3,379 |
| Net loans and leases to total assets | 66.2839% | 3,034 |
| Net loans and leases to deposits | 75.9444% | 3,320 |
| Net loans and leases to core deposits | 79.5400% | 3,436 |
| Total domestic deposits to total assets | 87.2795% | 1,988 |
| Equity capital to assets | 11.5290% | 2,140 |
| Core capital (leverage) ratio | 11.3868% | 2,018 |
| Tier 1 risk-based capital ratio | 18.2425% | 1,792 |
| Total risk-based capital ratio | 19.4947% | 1,751 |
| Memoranda: | ||
| Average total assets | $138,216,800 | 3,701 |
| Average earning assets | $122,960,000 | 3,771 |
| Average equity | $16,242,400 | 3,660 |
| Average total loans | $84,477,600 | 3,698 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 1,844 |
| Cost of funding earning assets | 0.2654% | 4,441 |
| Net interest margin | 4.1413% | 1,274 |
| Noninterest income to average assets | 0.7464% | 1,983 |
| Noninterest expense to average assets | 3.2137% | 1,743 |
| Loan and lease loss provision to assets | 0.0606% | 3,036 |
| Net operating income to assets | 1.1639% | 1,755 |
| Return on assets (ROA) | 1.2986% | 1,398 |
| Pretax return on assets | 1.2986% | 2,435 |
| Return on Equity (ROE) | 10.9990% | 1,669 |
| Retained earnings to average equity (ytd only) | 5.9476% | 2,212 |
| Net charge-offs to loans | 0.0355% | 2,921 |
| Credit loss provision to net charge-offs | 286.3636% | 1,079 |
| Earnings coverage of net charge-offs (x) | 57.8687% | 983 |
| Efficiency ratio | 72.4101% | 2,513 |
| Assets per employee ($millions) | 3.4537% | 4,836 |
| Cash dividends to net income (ytd only)* | 45.9260% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,872 |
| Loan loss allowance to noncurrent loans | 7,127.2727% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 5,416 |
| Noncurrent loans to loans | 0.0126% | 5,348 |
| Net loans and leases to total assets | 62.4953% | 3,591 |
| Net loans and leases to deposits | 72.8119% | 3,723 |
| Net loans and leases to core deposits | 75.9365% | 3,841 |
| Total domestic deposits to total assets | 85.8311% | 2,439 |
| Equity capital to assets | 12.0610% | 2,076 |
| Core capital (leverage) ratio | 11.7032% | 1,885 |
| Tier 1 risk-based capital ratio | 19.6976% | 1,502 |
| Total risk-based capital ratio | 20.6528% | 1,532 |
| Memoranda: | ||
| Average total assets | $138,611,500 | 3,715 |
| Average earning assets | $123,565,000 | 3,787 |
| Average equity | $16,364,750 | 3,676 |
| Average total loans | $82,667,250 | 3,766 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,948 |
| Cost of funding earning assets | 0.2635% | 4,512 |
| Net interest margin | 4.0969% | 1,371 |
| Noninterest income to average assets | 0.7365% | 1,985 |
| Noninterest expense to average assets | 3.1650% | 1,898 |
| Loan and lease loss provision to assets | 0.0476% | 3,197 |
| Net operating income to assets | 1.1761% | 1,683 |
| Return on assets (ROA) | 1.3779% | 1,167 |
| Pretax return on assets | 1.3779% | 2,103 |
| Return on Equity (ROE) | 11.7548% | 1,398 |
| Retained earnings to average equity (ytd only) | 5.9143% | 2,171 |
| Net charge-offs to loans | 0.0345% | 2,759 |
| Credit loss provision to net charge-offs | 235.7143% | 1,157 |
| Earnings coverage of net charge-offs (x) | 60.6429% | 871 |
| Efficiency ratio | 72.1182% | 2,631 |
| Assets per employee ($millions) | 3.3953% | 4,931 |
| Cash dividends to net income (ytd only)* | 49.6862% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,993 |
| Loan loss allowance to noncurrent loans | 2,458.0645% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 5,370 |
| Noncurrent loans to loans | 0.0362% | 5,325 |
| Net loans and leases to total assets | 61.0099% | 3,749 |
| Net loans and leases to deposits | 70.7673% | 3,913 |
| Net loans and leases to core deposits | 73.7592% | 4,001 |
| Total domestic deposits to total assets | 86.2119% | 2,321 |
| Equity capital to assets | 11.8651% | 2,222 |
| Core capital (leverage) ratio | 11.4525% | 2,027 |
| Tier 1 risk-based capital ratio | 19.3950% | 1,595 |
| Total risk-based capital ratio | 20.3234% | 1,642 |
| Memoranda: | ||
| Average total assets | $138,766,000 | 3,738 |
| Average earning assets | $123,703,330 | 3,809 |
| Average equity | $16,265,670 | 3,699 |
| Average total loans | $81,183,000 | 3,819 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,017 |
| Cost of funding earning assets | 0.2668% | 4,535 |
| Net interest margin | 4.0668% | 1,432 |
| Noninterest income to average assets | 0.6871% | 2,101 |
| Noninterest expense to average assets | 3.1152% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1808% | 1,616 |
| Return on assets (ROA) | 1.1808% | 1,715 |
| Pretax return on assets | 1.1808% | 2,779 |
| Return on Equity (ROE) | 10.1363% | 1,932 |
| Retained earnings to average equity (ytd only) | 6.6914% | 2,035 |
| Net charge-offs to loans | 0.0304% | 2,343 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 68.1667% | 714 |
| Efficiency ratio | 72.5134% | 2,721 |
| Assets per employee ($millions) | 3.4675% | 4,861 |
| Cash dividends to net income (ytd only)* | 33.9853% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 5,014 |
| Loan loss allowance to noncurrent loans | 629.9145% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 5,181 |
| Noncurrent loans to loans | 0.1450% | 4,898 |
| Net loans and leases to total assets | 57.6614% | 4,080 |
| Net loans and leases to deposits | 66.6781% | 4,186 |
| Net loans and leases to core deposits | 69.4920% | 4,273 |
| Total domestic deposits to total assets | 86.4774% | 2,457 |
| Equity capital to assets | 11.7793% | 2,177 |
| Core capital (leverage) ratio | 11.5366% | 1,949 |
| Tier 1 risk-based capital ratio | 19.9598% | 1,506 |
| Total risk-based capital ratio | 20.8950% | 1,547 |
| Memoranda: | ||
| Average total assets | $138,545,500 | 3,772 |
| Average earning assets | $122,946,500 | 3,849 |
| Average equity | $16,140,000 | 3,708 |
| Average total loans | $78,928,500 | 3,889 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 2,004 |
| Cost of funding earning assets | 0.2689% | 4,599 |
| Net interest margin | 4.0990% | 1,415 |
| Noninterest income to average assets | 0.7897% | 1,826 |
| Noninterest expense to average assets | 3.0636% | 2,340 |
| Loan and lease loss provision to assets | 0.0053% | 4,282 |
| Net operating income to assets | 1.3185% | 1,226 |
| Return on assets (ROA) | 1.3185% | 1,270 |
| Pretax return on assets | 1.3185% | 2,206 |
| Return on Equity (ROE) | 11.0030% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.1690% | 3,800 |
| Net charge-offs to loans | 0.0292% | 3,635 |
| Credit loss provision to net charge-offs | 31.8182% | 3,625 |
| Earnings coverage of net charge-offs (x) | 79.5455% | 704 |
| Efficiency ratio | 69.8276% | 3,248 |
| Assets per employee ($millions) | 3.6418% | 4,576 |
| Cash dividends to net income (ytd only)* | 71.1991% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,798 |
| Loan loss allowance to noncurrent loans | 10,614.2857% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,613 |
| Noncurrent loans to loans | 0.0091% | 5,501 |
| Net loans and leases to total assets | 55.2063% | 4,361 |
| Net loans and leases to deposits | 63.5264% | 4,501 |
| Net loans and leases to core deposits | 66.1999% | 4,575 |
| Total domestic deposits to total assets | 86.9030% | 2,191 |
| Equity capital to assets | 11.5196% | 2,337 |
| Core capital (leverage) ratio | 11.2519% | 2,156 |
| Tier 1 risk-based capital ratio | 20.3533% | 1,413 |
| Total risk-based capital ratio | 21.3316% | 1,448 |
| Memoranda: | ||
| Average total assets | $132,196,200 | 3,846 |
| Average earning assets | $116,027,600 | 3,963 |
| Average equity | $15,841,200 | 3,702 |
| Average total loans | $75,356,200 | 3,962 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 2,051 |
| Cost of funding earning assets | 0.2680% | 4,686 |
| Net interest margin | 4.0913% | 1,430 |
| Noninterest income to average assets | 0.8083% | 1,775 |
| Noninterest expense to average assets | 3.0555% | 2,350 |
| Loan and lease loss provision to assets | 0.0051% | 4,163 |
| Net operating income to assets | 1.3461% | 1,234 |
| Return on assets (ROA) | 1.3461% | 1,277 |
| Pretax return on assets | 1.3461% | 2,226 |
| Return on Equity (ROE) | 11.1192% | 1,661 |
| Retained earnings to average equity (ytd only) | 6.0528% | 2,211 |
| Net charge-offs to loans | 0.0320% | 3,283 |
| Credit loss provision to net charge-offs | 27.7778% | 3,295 |
| Earnings coverage of net charge-offs (x) | 73.5538% | 786 |
| Efficiency ratio | 69.3377% | 3,323 |
| Assets per employee ($millions) | 3.7595% | 4,339 |
| Cash dividends to net income (ytd only)* | 45.5647% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 4,832 |
| Loan loss allowance to noncurrent loans | 74,500.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,737 |
| Noncurrent loans to loans | 0.0013% | 5,672 |
| Net loans and leases to total assets | 55.5301% | 4,406 |
| Net loans and leases to deposits | 64.5135% | 4,513 |
| Net loans and leases to core deposits | 67.6792% | 4,570 |
| Total domestic deposits to total assets | 86.0752% | 2,485 |
| Equity capital to assets | 12.0052% | 2,106 |
| Core capital (leverage) ratio | 11.8611% | 1,769 |
| Tier 1 risk-based capital ratio | 21.2466% | 1,301 |
| Total risk-based capital ratio | 22.2504% | 1,314 |
| Memoranda: | ||
| Average total assets | $130,647,750 | 3,919 |
| Average earning assets | $114,908,750 | 4,024 |
| Average equity | $15,816,000 | 3,742 |
| Average total loans | $74,909,500 | 4,012 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,738 |
| Cost of funding earning assets | 0.2670% | 4,750 |
| Net interest margin | 4.1654% | 1,187 |
| Noninterest income to average assets | 0.8010% | 1,774 |
| Noninterest expense to average assets | 3.0740% | 2,328 |
| Loan and lease loss provision to assets | 0.0062% | 3,972 |
| Net operating income to assets | 1.3712% | 1,144 |
| Return on assets (ROA) | 1.3712% | 1,189 |
| Pretax return on assets | 1.3712% | 2,107 |
| Return on Equity (ROE) | 11.2940% | 1,592 |
| Retained earnings to average equity (ytd only) | 5.6789% | 2,422 |
| Net charge-offs to loans | 0.0188% | 3,323 |
| Credit loss provision to net charge-offs | 57.1429% | 2,620 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 495 |
| Efficiency ratio | 69.0567% | 3,483 |
| Assets per employee ($millions) | 3.6397% | 4,558 |
| Cash dividends to net income (ytd only)* | 49.7175% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 4,856 |
| Loan loss allowance to noncurrent loans | 1,161.5385% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 5,605 |
| Noncurrent loans to loans | 0.0864% | 5,396 |
| Net loans and leases to total assets | 56.8564% | 4,240 |
| Net loans and leases to deposits | 65.9575% | 4,338 |
| Net loans and leases to core deposits | 68.9282% | 4,419 |
| Total domestic deposits to total assets | 86.2016% | 2,578 |
| Equity capital to assets | 12.0110% | 2,019 |
| Core capital (leverage) ratio | 11.8567% | 1,742 |
| Tier 1 risk-based capital ratio | 21.0534% | 1,351 |
| Total risk-based capital ratio | 22.0791% | 1,374 |
| Memoranda: | ||
| Average total assets | $129,083,330 | 3,978 |
| Average earning assets | $113,123,000 | 4,092 |
| Average equity | $15,672,000 | 3,784 |
| Average total loans | $74,579,330 | 4,041 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 1,601 |
| Cost of funding earning assets | 0.2683% | 4,815 |
| Net interest margin | 4.1851% | 1,097 |
| Noninterest income to average assets | 0.7931% | 1,737 |
| Noninterest expense to average assets | 3.0661% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3801% | 1,070 |
| Return on assets (ROA) | 1.3801% | 1,127 |
| Pretax return on assets | 1.3801% | 1,960 |
| Return on Equity (ROE) | 11.3051% | 1,550 |
| Retained earnings to average equity (ytd only) | 7.9800% | 1,580 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9607% | 3,670 |
| Assets per employee ($millions) | 3.7886% | 4,357 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,971 |
| Loan loss allowance to noncurrent loans | 1,242.6230% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 5,677 |
| Noncurrent loans to loans | 0.0812% | 5,454 |
| Net loans and leases to total assets | 57.7496% | 3,985 |
| Net loans and leases to deposits | 67.1248% | 4,042 |
| Net loans and leases to core deposits | 70.2028% | 4,131 |
| Total domestic deposits to total assets | 86.0332% | 2,920 |
| Equity capital to assets | 12.3435% | 1,790 |
| Core capital (leverage) ratio | 12.1671% | 1,538 |
| Tier 1 risk-based capital ratio | 20.9670% | 1,433 |
| Total risk-based capital ratio | 22.0001% | 1,437 |
| Memoranda: | ||
| Average total assets | $128,110,000 | 4,025 |
| Average earning assets | $111,824,000 | 4,147 |
| Average equity | $15,639,000 | 3,810 |
| Average total loans | $74,242,000 | 4,072 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 2,133 |
| Cost of funding earning assets | 0.2855% | 4,943 |
| Net interest margin | 4.1421% | 1,458 |
| Noninterest income to average assets | 0.8273% | 1,767 |
| Noninterest expense to average assets | 3.0995% | 2,517 |
| Loan and lease loss provision to assets | 0.0079% | 4,466 |
| Net operating income to assets | 1.3407% | 1,207 |
| Return on assets (ROA) | 1.3407% | 1,255 |
| Pretax return on assets | 1.3407% | 2,105 |
| Return on Equity (ROE) | 11.2453% | 1,640 |
| Retained earnings to average equity (ytd only) | 3.4796% | 3,732 |
| Net charge-offs to loans | 0.0197% | 4,454 |
| Credit loss provision to net charge-offs | 71.4286% | 3,034 |
| Earnings coverage of net charge-offs (x) | 121.2143% | 436 |
| Efficiency ratio | 69.6802% | 3,588 |
| Assets per employee ($millions) | 3.7473% | 4,448 |
| Cash dividends to net income (ytd only)* | 69.0575% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 4,884 |
| Loan loss allowance to noncurrent loans | 173.4554% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 4,599 |
| Noncurrent loans to loans | 0.5959% | 3,881 |
| Net loans and leases to total assets | 56.9663% | 4,203 |
| Net loans and leases to deposits | 66.0830% | 4,316 |
| Net loans and leases to core deposits | 69.1360% | 4,398 |
| Total domestic deposits to total assets | 86.2041% | 2,721 |
| Equity capital to assets | 12.0700% | 1,970 |
| Core capital (leverage) ratio | 11.8531% | 1,732 |
| Tier 1 risk-based capital ratio | 20.9528% | 1,415 |
| Total risk-based capital ratio | 22.0080% | 1,428 |
| Memoranda: | ||
| Average total assets | $125,826,200 | 4,067 |
| Average earning assets | $109,993,000 | 4,184 |
| Average equity | $15,001,800 | 3,836 |
| Average total loans | $70,997,800 | 4,145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 2,157 |
| Cost of funding earning assets | 0.2885% | 5,007 |
| Net interest margin | 4.1313% | 1,484 |
| Noninterest income to average assets | 0.8206% | 1,811 |
| Noninterest expense to average assets | 3.0327% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3957% | 1,139 |
| Return on assets (ROA) | 1.3957% | 1,180 |
| Pretax return on assets | 1.3957% | 2,026 |
| Return on Equity (ROE) | 11.7430% | 1,546 |
| Retained earnings to average equity (ytd only) | 7.0476% | 1,798 |
| Net charge-offs to loans | 0.0189% | 4,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 131.3293% | 455 |
| Efficiency ratio | 68.4830% | 3,765 |
| Assets per employee ($millions) | 3.7351% | 4,425 |
| Cash dividends to net income (ytd only)* | 39.9847% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 4,970 |
| Loan loss allowance to noncurrent loans | 626.6667% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 5,447 |
| Noncurrent loans to loans | 0.1682% | 5,408 |
| Net loans and leases to total assets | 55.5762% | 4,383 |
| Net loans and leases to deposits | 64.8638% | 4,444 |
| Net loans and leases to core deposits | 67.6621% | 4,544 |
| Total domestic deposits to total assets | 85.6813% | 3,024 |
| Equity capital to assets | 12.2958% | 1,831 |
| Core capital (leverage) ratio | 12.1284% | 1,615 |
| Tier 1 risk-based capital ratio | 22.0366% | 1,256 |
| Total risk-based capital ratio | 23.1185% | 1,264 |
| Memoranda: | ||
| Average total assets | $125,431,000 | 4,113 |
| Average earning assets | $109,535,250 | 4,230 |
| Average equity | $14,907,750 | 3,873 |
| Average total loans | $70,413,000 | 4,206 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 2,133 |
| Cost of funding earning assets | 0.2917% | 5,055 |
| Net interest margin | 4.1205% | 1,449 |
| Noninterest income to average assets | 0.8182% | 1,772 |
| Noninterest expense to average assets | 3.0278% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3866% | 1,095 |
| Return on assets (ROA) | 1.3866% | 1,139 |
| Pretax return on assets | 1.3866% | 1,942 |
| Return on Equity (ROE) | 11.8048% | 1,480 |
| Retained earnings to average equity (ytd only) | 6.8157% | 1,858 |
| Net charge-offs to loans | 0.0114% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 216.5000% | 309 |
| Efficiency ratio | 68.5890% | 3,903 |
| Assets per employee ($millions) | 3.8810% | 4,103 |
| Cash dividends to net income (ytd only)* | 42.2633% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 5,068 |
| Loan loss allowance to noncurrent loans | 453.8922% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 5,420 |
| Noncurrent loans to loans | 0.2338% | 5,296 |
| Net loans and leases to total assets | 55.1861% | 4,385 |
| Net loans and leases to deposits | 63.9852% | 4,499 |
| Net loans and leases to core deposits | 66.9014% | 4,561 |
| Total domestic deposits to total assets | 86.2484% | 2,896 |
| Equity capital to assets | 11.8878% | 2,075 |
| Core capital (leverage) ratio | 12.0015% | 1,650 |
| Tier 1 risk-based capital ratio | 21.2932% | 1,389 |
| Total risk-based capital ratio | 22.3670% | 1,399 |
| Memoranda: | ||
| Average total assets | $124,909,670 | 4,134 |
| Average earning assets | $109,016,330 | 4,266 |
| Average equity | $14,672,000 | 3,913 |
| Average total loans | $70,107,000 | 4,230 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,059 |
| Cost of funding earning assets | 0.3012% | 5,053 |
| Net interest margin | 4.1201% | 1,414 |
| Noninterest income to average assets | 0.8400% | 1,602 |
| Noninterest expense to average assets | 3.0358% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3979% | 989 |
| Return on assets (ROA) | 1.3979% | 1,036 |
| Pretax return on assets | 1.3979% | 1,755 |
| Return on Equity (ROE) | 11.9760% | 1,412 |
| Retained earnings to average equity (ytd only) | 10.1698% | 920 |
| Net charge-offs to loans | -0.0173% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4711% | 4,099 |
| Assets per employee ($millions) | 3.7504% | 4,420 |
| Cash dividends to net income (ytd only)* | 15.0812% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,130 |
| Loan loss allowance to noncurrent loans | 496.7532% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,463 |
| Noncurrent loans to loans | 0.2210% | 5,431 |
| Net loans and leases to total assets | 55.6818% | 4,186 |
| Net loans and leases to deposits | 64.4773% | 4,267 |
| Net loans and leases to core deposits | 67.5124% | 4,358 |
| Total domestic deposits to total assets | 86.3587% | 3,179 |
| Equity capital to assets | 11.9170% | 1,928 |
| Core capital (leverage) ratio | 12.2302% | 1,518 |
| Tier 1 risk-based capital ratio | 21.8991% | 1,307 |
| Total risk-based capital ratio | 23.0238% | 1,306 |
| Memoranda: | ||
| Average total assets | $123,328,500 | 4,203 |
| Average earning assets | $107,570,000 | 4,329 |
| Average equity | $14,395,500 | 3,973 |
| Average total loans | $69,442,500 | 4,281 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 3,437 |
| Cost of funding earning assets | 0.3350% | 5,283 |
| Net interest margin | 3.8385% | 2,505 |
| Noninterest income to average assets | 0.7819% | 2,157 |
| Noninterest expense to average assets | 2.7568% | 3,885 |
| Loan and lease loss provision to assets | 0.1335% | 2,641 |
| Net operating income to assets | 1.2220% | 1,479 |
| Return on assets (ROA) | 1.4928% | 882 |
| Pretax return on assets | 1.4928% | 1,465 |
| Return on Equity (ROE) | 13.6044% | 1,041 |
| Retained earnings to average equity (ytd only) | 4.1223% | 3,237 |
| Net charge-offs to loans | 0.0237% | 4,953 |
| Credit loss provision to net charge-offs | 1,093.7500% | 229 |
| Earnings coverage of net charge-offs (x) | 111.0625% | 426 |
| Efficiency ratio | 67.0377% | 4,367 |
| Assets per employee ($millions) | 3.7240% | 4,426 |
| Cash dividends to net income (ytd only)* | 69.6985% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 5,143 |
| Loan loss allowance to noncurrent loans | 577.2727% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,892 |
| Noncurrent loans to loans | 0.1907% | 5,622 |
| Net loans and leases to total assets | 55.6940% | 4,360 |
| Net loans and leases to deposits | 64.0274% | 4,502 |
| Net loans and leases to core deposits | 67.0343% | 4,611 |
| Total domestic deposits to total assets | 86.9846% | 2,733 |
| Equity capital to assets | 11.4262% | 2,222 |
| Core capital (leverage) ratio | 11.7392% | 1,800 |
| Tier 1 risk-based capital ratio | 21.5409% | 1,329 |
| Total risk-based capital ratio | 22.6706% | 1,331 |
| Memoranda: | ||
| Average total assets | $131,096,200 | 4,048 |
| Average earning assets | $113,741,200 | 4,186 |
| Average equity | $14,385,000 | 3,991 |
| Average total loans | $67,540,800 | 4,355 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 3,642 |
| Cost of funding earning assets | 0.3413% | 5,372 |
| Net interest margin | 3.7885% | 2,683 |
| Noninterest income to average assets | 0.7721% | 2,272 |
| Noninterest expense to average assets | 2.6336% | 4,262 |
| Loan and lease loss provision to assets | 0.0891% | 3,276 |
| Net operating income to assets | 1.3288% | 1,270 |
| Return on assets (ROA) | 1.6843% | 673 |
| Pretax return on assets | 1.6843% | 1,136 |
| Return on Equity (ROE) | 15.4975% | 713 |
| Retained earnings to average equity (ytd only) | 8.8268% | 1,108 |
| Net charge-offs to loans | 0.0437% | 4,285 |
| Credit loss provision to net charge-offs | 404.5455% | 657 |
| Earnings coverage of net charge-offs (x) | 64.3692% | 708 |
| Efficiency ratio | 65.0025% | 4,647 |
| Assets per employee ($millions) | 3.7299% | 4,393 |
| Cash dividends to net income (ytd only)* | 43.0440% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 5,762 |
| Loan loss allowance to noncurrent loans | 6,090.9091% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,342 |
| Noncurrent loans to loans | 0.0163% | 6,306 |
| Net loans and leases to total assets | 54.3887% | 4,543 |
| Net loans and leases to deposits | 63.0009% | 4,632 |
| Net loans and leases to core deposits | 65.9722% | 4,717 |
| Total domestic deposits to total assets | 86.3301% | 3,059 |
| Equity capital to assets | 11.7696% | 2,066 |
| Core capital (leverage) ratio | 11.5925% | 1,961 |
| Tier 1 risk-based capital ratio | 22.2707% | 1,269 |
| Total risk-based capital ratio | 23.2726% | 1,300 |
| Memoranda: | ||
| Average total assets | $133,147,000 | 4,053 |
| Average earning assets | $115,257,750 | 4,196 |
| Average equity | $14,470,750 | 4,020 |
| Average total loans | $67,124,500 | 4,405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 3,802 |
| Cost of funding earning assets | 0.3399% | 5,491 |
| Net interest margin | 3.7439% | 2,789 |
| Noninterest income to average assets | 0.7223% | 2,541 |
| Noninterest expense to average assets | 2.7355% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2147% | 1,552 |
| Return on assets (ROA) | 1.7348% | 641 |
| Pretax return on assets | 1.7348% | 1,046 |
| Return on Equity (ROE) | 16.3702% | 625 |
| Retained earnings to average equity (ytd only) | 8.7520% | 1,201 |
| Net charge-offs to loans | 0.0448% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 55.2667% | 746 |
| Efficiency ratio | 69.2507% | 3,970 |
| Assets per employee ($millions) | 4.1146% | 3,548 |
| Cash dividends to net income (ytd only)* | 46.5372% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 6,222 |
| Loan loss allowance to noncurrent loans | 1,470.0000% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 6,316 |
| Noncurrent loans to loans | 0.0588% | 6,212 |
| Net loans and leases to total assets | 49.6881% | 5,140 |
| Net loans and leases to deposits | 56.3515% | 5,296 |
| Net loans and leases to core deposits | 64.3073% | 4,859 |
| Total domestic deposits to total assets | 88.1753% | 2,123 |
| Equity capital to assets | 10.1493% | 3,729 |
| Core capital (leverage) ratio | 10.6249% | 2,738 |
| Tier 1 risk-based capital ratio | 20.8176% | 1,538 |
| Total risk-based capital ratio | 21.6578% | 1,606 |
| Memoranda: | ||
| Average total assets | $136,500,000 | 4,010 |
| Average earning assets | $117,684,000 | 4,164 |
| Average equity | $14,465,330 | 4,056 |
| Average total loans | $66,960,670 | 4,426 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0685% | 3,852 |
| Cost of funding earning assets | 0.3346% | 5,679 |
| Net interest margin | 3.7339% | 2,720 |
| Noninterest income to average assets | 0.7219% | 2,470 |
| Noninterest expense to average assets | 2.7211% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2626% | 1,368 |
| Return on assets (ROA) | 1.8092% | 524 |
| Pretax return on assets | 1.8092% | 864 |
| Return on Equity (ROE) | 16.7213% | 537 |
| Retained earnings to average equity (ytd only) | 13.9389% | 459 |
| Net charge-offs to loans | -0.0120% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3052% | 4,252 |
| Assets per employee ($millions) | 4.1585% | 3,614 |
| Cash dividends to net income (ytd only)* | 16.6397% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 6,242 |
| Loan loss allowance to noncurrent loans | 696.5517% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 6,168 |
| Noncurrent loans to loans | 0.1303% | 6,080 |
| Net loans and leases to total assets | 48.1998% | 5,205 |
| Net loans and leases to deposits | 54.9103% | 5,356 |
| Net loans and leases to core deposits | 62.3087% | 4,927 |
| Total domestic deposits to total assets | 87.7790% | 2,471 |
| Equity capital to assets | 10.8554% | 3,135 |
| Core capital (leverage) ratio | 10.5170% | 2,754 |
| Tier 1 risk-based capital ratio | 20.6357% | 1,630 |
| Total risk-based capital ratio | 21.5010% | 1,685 |
| Memoranda: | ||
| Average total assets | $136,858,500 | 4,044 |
| Average earning assets | $119,552,000 | 4,163 |
| Average equity | $14,807,500 | 4,032 |
| Average total loans | $66,413,000 | 4,479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2041% | 4,581 |
| Cost of funding earning assets | 0.4179% | 5,803 |
| Net interest margin | 3.7862% | 3,286 |
| Noninterest income to average assets | 0.6891% | 2,777 |
| Noninterest expense to average assets | 2.7643% | 4,167 |
| Loan and lease loss provision to assets | 0.0037% | 5,878 |
| Net operating income to assets | 1.2263% | 1,515 |
| Return on assets (ROA) | 1.5859% | 854 |
| Pretax return on assets | 1.5859% | 1,423 |
| Return on Equity (ROE) | 14.6862% | 876 |
| Retained earnings to average equity (ytd only) | 4.7020% | 2,910 |
| Net charge-offs to loans | -0.0032% | 6,353 |
| Credit loss provision to net charge-offs | -250.0000% | 6,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2066% | 3,939 |
| Assets per employee ($millions) | 4.0143% | 3,916 |
| Cash dividends to net income (ytd only)* | 67.9833% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,237 |
| Loan loss allowance to noncurrent loans | 3,015.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 6,376 |
| Noncurrent loans to loans | 0.0303% | 6,437 |
| Net loans and leases to total assets | 47.9698% | 5,419 |
| Net loans and leases to deposits | 54.5177% | 5,606 |
| Net loans and leases to core deposits | 61.7363% | 5,181 |
| Total domestic deposits to total assets | 87.9892% | 2,242 |
| Equity capital to assets | 10.7835% | 3,188 |
| Core capital (leverage) ratio | 10.0867% | 3,291 |
| Tier 1 risk-based capital ratio | 19.9439% | 1,695 |
| Total risk-based capital ratio | 20.8055% | 1,768 |
| Memoranda: | ||
| Average total assets | $135,693,400 | 4,029 |
| Average earning assets | $118,456,400 | 4,144 |
| Average equity | $14,653,200 | 4,030 |
| Average total loans | $63,217,800 | 4,588 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 4,758 |
| Cost of funding earning assets | 0.4374% | 5,884 |
| Net interest margin | 3.7795% | 3,426 |
| Noninterest income to average assets | 0.6741% | 2,861 |
| Noninterest expense to average assets | 2.6795% | 4,457 |
| Loan and lease loss provision to assets | 0.0030% | 5,764 |
| Net operating income to assets | 1.2910% | 1,463 |
| Return on assets (ROA) | 1.7555% | 692 |
| Pretax return on assets | 1.7555% | 1,152 |
| Return on Equity (ROE) | 16.2507% | 708 |
| Retained earnings to average equity (ytd only) | 9.2093% | 1,152 |
| Net charge-offs to loans | -0.0128% | 6,410 |
| Credit loss provision to net charge-offs | -50.0000% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4344% | 4,187 |
| Assets per employee ($millions) | 4.1673% | 3,541 |
| Cash dividends to net income (ytd only)* | 43.3295% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 6,289 |
| Loan loss allowance to noncurrent loans | 864.2857% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 6,414 |
| Noncurrent loans to loans | 0.1079% | 6,345 |
| Net loans and leases to total assets | 46.7165% | 5,687 |
| Net loans and leases to deposits | 53.4320% | 5,855 |
| Net loans and leases to core deposits | 60.4926% | 5,505 |
| Total domestic deposits to total assets | 87.4317% | 2,396 |
| Equity capital to assets | 11.1176% | 3,134 |
| Core capital (leverage) ratio | 10.3763% | 3,068 |
| Tier 1 risk-based capital ratio | 20.4857% | 1,637 |
| Total risk-based capital ratio | 21.3550% | 1,701 |
| Memoranda: | ||
| Average total assets | $135,495,250 | 4,068 |
| Average earning assets | $118,283,500 | 4,190 |
| Average equity | $14,637,000 | 4,071 |
| Average total loans | $62,503,500 | 4,663 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2609% | 4,720 |
| Cost of funding earning assets | 0.4563% | 5,930 |
| Net interest margin | 3.8046% | 3,336 |
| Noninterest income to average assets | 0.6572% | 2,918 |
| Noninterest expense to average assets | 2.6880% | 4,472 |
| Loan and lease loss provision to assets | 0.0030% | 5,604 |
| Net operating income to assets | 1.2936% | 1,459 |
| Return on assets (ROA) | 1.9596% | 482 |
| Pretax return on assets | 1.9596% | 742 |
| Return on Equity (ROE) | 18.3222% | 470 |
| Retained earnings to average equity (ytd only) | 9.7922% | 1,035 |
| Net charge-offs to loans | -0.0356% | 6,572 |
| Credit loss provision to net charge-offs | -18.1818% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4609% | 4,244 |
| Assets per employee ($millions) | 4.4036% | 3,083 |
| Cash dividends to net income (ytd only)* | 46.5556% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,302 |
| Loan loss allowance to noncurrent loans | 716.4706% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,452 |
| Noncurrent loans to loans | 0.1337% | 6,328 |
| Net loans and leases to total assets | 46.1385% | 5,812 |
| Net loans and leases to deposits | 52.4115% | 6,000 |
| Net loans and leases to core deposits | 59.4770% | 5,650 |
| Total domestic deposits to total assets | 88.0312% | 2,122 |
| Equity capital to assets | 10.6613% | 3,499 |
| Core capital (leverage) ratio | 10.2484% | 3,100 |
| Tier 1 risk-based capital ratio | 20.3607% | 1,623 |
| Total risk-based capital ratio | 21.2495% | 1,674 |
| Memoranda: | ||
| Average total assets | $134,820,000 | 4,103 |
| Average earning assets | $117,909,330 | 4,219 |
| Average equity | $14,419,670 | 4,107 |
| Average total loans | $61,721,330 | 4,718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 4,847 |
| Cost of funding earning assets | 0.4688% | 6,023 |
| Net interest margin | 3.8016% | 3,388 |
| Noninterest income to average assets | 0.6628% | 2,853 |
| Noninterest expense to average assets | 2.6632% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3406% | 1,347 |
| Return on assets (ROA) | 1.4421% | 1,271 |
| Pretax return on assets | 1.4421% | 2,046 |
| Return on Equity (ROE) | 13.4611% | 1,296 |
| Retained earnings to average equity (ytd only) | 10.0610% | 1,255 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5175% | 4,457 |
| Assets per employee ($millions) | 4.3901% | 3,208 |
| Cash dividends to net income (ytd only)* | 25.2588% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 6,409 |
| Loan loss allowance to noncurrent loans | 551.8519% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 6,504 |
| Noncurrent loans to loans | 0.1727% | 6,333 |
| Net loans and leases to total assets | 45.5251% | 5,840 |
| Net loans and leases to deposits | 51.7080% | 5,999 |
| Net loans and leases to core deposits | 58.1703% | 5,701 |
| Total domestic deposits to total assets | 88.0426% | 2,293 |
| Equity capital to assets | 10.7861% | 3,169 |
| Core capital (leverage) ratio | 10.1906% | 3,118 |
| Tier 1 risk-based capital ratio | 20.0951% | 1,687 |
| Total risk-based capital ratio | 20.9754% | 1,748 |
| Memoranda: | ||
| Average total assets | $133,973,500 | 4,145 |
| Average earning assets | $117,739,000 | 4,257 |
| Average equity | $14,352,500 | 4,124 |
| Average total loans | $60,785,000 | 4,778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4695% | 5,183 |
| Cost of funding earning assets | 0.6684% | 5,719 |
| Net interest margin | 3.8011% | 3,810 |
| Noninterest income to average assets | 0.7287% | 2,453 |
| Noninterest expense to average assets | 2.7794% | 4,430 |
| Loan and lease loss provision to assets | 0.0179% | 6,345 |
| Net operating income to assets | 1.2614% | 1,344 |
| Return on assets (ROA) | 1.4208% | 1,062 |
| Pretax return on assets | 1.4208% | 1,717 |
| Return on Equity (ROE) | 13.2639% | 1,104 |
| Retained earnings to average equity (ytd only) | 3.7026% | 3,577 |
| Net charge-offs to loans | 0.0270% | 6,050 |
| Credit loss provision to net charge-offs | 143.7500% | 2,014 |
| Earnings coverage of net charge-offs (x) | 102.8125% | 305 |
| Efficiency ratio | 68.4806% | 4,255 |
| Assets per employee ($millions) | 4.1205% | 3,610 |
| Cash dividends to net income (ytd only)* | 72.0854% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 6,171 |
| Loan loss allowance to noncurrent loans | 693.0233% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,608 |
| Noncurrent loans to loans | 0.1457% | 6,451 |
| Net loans and leases to total assets | 44.3078% | 6,180 |
| Net loans and leases to deposits | 50.3499% | 6,336 |
| Net loans and leases to core deposits | 56.7314% | 6,102 |
| Total domestic deposits to total assets | 87.9997% | 2,154 |
| Equity capital to assets | 10.6374% | 3,381 |
| Core capital (leverage) ratio | 10.0418% | 3,289 |
| Tier 1 risk-based capital ratio | 20.6459% | 1,493 |
| Total risk-based capital ratio | 21.5749% | 1,535 |
| Memoranda: | ||
| Average total assets | $128,588,600 | 4,202 |
| Average earning assets | $112,651,800 | 4,316 |
| Average equity | $13,774,200 | 4,168 |
| Average total loans | $59,293,000 | 4,887 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 5,180 |
| Cost of funding earning assets | 0.7175% | 5,664 |
| Net interest margin | 3.8080% | 3,834 |
| Noninterest income to average assets | 0.7378% | 2,376 |
| Noninterest expense to average assets | 2.7475% | 4,541 |
| Loan and lease loss provision to assets | 0.0219% | 6,173 |
| Net operating income to assets | 1.3023% | 1,368 |
| Return on assets (ROA) | 1.5162% | 981 |
| Pretax return on assets | 1.5162% | 1,606 |
| Return on Equity (ROE) | 14.1291% | 1,015 |
| Retained earnings to average equity (ytd only) | 8.0322% | 1,500 |
| Net charge-offs to loans | 0.0337% | 5,681 |
| Credit loss provision to net charge-offs | 140.0000% | 2,275 |
| Earnings coverage of net charge-offs (x) | 84.5980% | 419 |
| Efficiency ratio | 67.4782% | 4,423 |
| Assets per employee ($millions) | 3.9542% | 3,945 |
| Cash dividends to net income (ytd only)* | 43.1523% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,262 |
| Loan loss allowance to noncurrent loans | 483.7398% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,766 |
| Noncurrent loans to loans | 0.2071% | 6,462 |
| Net loans and leases to total assets | 46.4709% | 6,104 |
| Net loans and leases to deposits | 53.4714% | 6,255 |
| Net loans and leases to core deposits | 60.8931% | 5,914 |
| Total domestic deposits to total assets | 86.9080% | 2,711 |
| Equity capital to assets | 11.3739% | 2,799 |
| Core capital (leverage) ratio | 10.4967% | 2,874 |
| Tier 1 risk-based capital ratio | 21.3817% | 1,383 |
| Total risk-based capital ratio | 22.3198% | 1,419 |
| Memoranda: | ||
| Average total assets | $127,772,000 | 4,235 |
| Average earning assets | $111,867,500 | 4,364 |
| Average equity | $13,711,250 | 4,186 |
| Average total loans | $59,361,750 | 4,930 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 5,280 |
| Cost of funding earning assets | 0.7468% | 5,691 |
| Net interest margin | 3.7768% | 3,902 |
| Noninterest income to average assets | 0.7427% | 2,302 |
| Noninterest expense to average assets | 2.7398% | 4,657 |
| Loan and lease loss provision to assets | 0.0156% | 6,085 |
| Net operating income to assets | 1.2856% | 1,356 |
| Return on assets (ROA) | 1.5556% | 847 |
| Pretax return on assets | 1.5556% | 1,365 |
| Return on Equity (ROE) | 14.7875% | 838 |
| Retained earnings to average equity (ytd only) | 7.7868% | 1,538 |
| Net charge-offs to loans | 0.0404% | 5,281 |
| Credit loss provision to net charge-offs | 83.3333% | 3,669 |
| Earnings coverage of net charge-offs (x) | 69.5000% | 482 |
| Efficiency ratio | 67.7992% | 4,551 |
| Assets per employee ($millions) | 4.1361% | 3,477 |
| Cash dividends to net income (ytd only)* | 47.3420% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 6,374 |
| Loan loss allowance to noncurrent loans | 1,726.4706% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 6,818 |
| Noncurrent loans to loans | 0.0573% | 6,839 |
| Net loans and leases to total assets | 45.8422% | 6,289 |
| Net loans and leases to deposits | 52.2513% | 6,450 |
| Net loans and leases to core deposits | 59.4811% | 6,139 |
| Total domestic deposits to total assets | 87.7342% | 2,325 |
| Equity capital to assets | 10.7801% | 3,195 |
| Core capital (leverage) ratio | 10.1242% | 3,110 |
| Tier 1 risk-based capital ratio | 20.6789% | 1,481 |
| Total risk-based capital ratio | 21.6013% | 1,515 |
| Memoranda: | ||
| Average total assets | $128,184,330 | 4,268 |
| Average earning assets | $111,948,000 | 4,386 |
| Average equity | $13,484,330 | 4,230 |
| Average total loans | $59,350,000 | 4,984 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 4,670 |
| Cost of funding earning assets | 0.7691% | 5,757 |
| Net interest margin | 3.8959% | 3,161 |
| Noninterest income to average assets | 0.7646% | 2,191 |
| Noninterest expense to average assets | 2.7058% | 4,815 |
| Loan and lease loss provision to assets | 0.0312% | 5,579 |
| Net operating income to assets | 1.3950% | 1,070 |
| Return on assets (ROA) | 1.9350% | 404 |
| Pretax return on assets | 1.9350% | 627 |
| Return on Equity (ROE) | 18.6249% | 427 |
| Retained earnings to average equity (ytd only) | 15.3205% | 364 |
| Net charge-offs to loans | 0.0404% | 4,544 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 76.1667% | 408 |
| Efficiency ratio | 65.4834% | 5,127 |
| Assets per employee ($millions) | 4.1298% | 3,579 |
| Cash dividends to net income (ytd only)* | 17.7419% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,329 |
| Loan loss allowance to noncurrent loans | 502.5424% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 6,896 |
| Noncurrent loans to loans | 0.2023% | 6,567 |
| Net loans and leases to total assets | 45.1021% | 6,374 |
| Net loans and leases to deposits | 51.2711% | 6,533 |
| Net loans and leases to core deposits | 58.3160% | 6,226 |
| Total domestic deposits to total assets | 87.9678% | 2,389 |
| Equity capital to assets | 10.6270% | 3,060 |
| Core capital (leverage) ratio | 10.3669% | 2,744 |
| Tier 1 risk-based capital ratio | 20.8725% | 1,420 |
| Total risk-based capital ratio | 21.8143% | 1,446 |
| Memoranda: | ||
| Average total assets | $128,167,500 | 4,305 |
| Average earning assets | $110,784,000 | 4,446 |
| Average equity | $13,315,500 | 4,262 |
| Average total loans | $59,342,500 | 5,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 4,554 |
| Cost of funding earning assets | 0.9145% | 6,110 |
| Net interest margin | 4.0871% | 2,629 |
| Noninterest income to average assets | 0.7557% | 2,512 |
| Noninterest expense to average assets | 2.8682% | 4,354 |
| Loan and lease loss provision to assets | 0.0320% | 6,818 |
| Net operating income to assets | 1.4689% | 821 |
| Return on assets (ROA) | 1.7531% | 504 |
| Pretax return on assets | 1.7531% | 843 |
| Return on Equity (ROE) | 16.5498% | 521 |
| Retained earnings to average equity (ytd only) | 4.5115% | 2,715 |
| Net charge-offs to loans | 0.0215% | 6,598 |
| Credit loss provision to net charge-offs | 307.6923% | 860 |
| Earnings coverage of net charge-offs (x) | 144.2308% | 170 |
| Efficiency ratio | 65.6468% | 5,034 |
| Assets per employee ($millions) | 3.8882% | 4,036 |
| Cash dividends to net income (ytd only)* | 72.7397% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,470 |
| Loan loss allowance to noncurrent loans | 1,402.3810% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,949 |
| Noncurrent loans to loans | 0.0696% | 6,952 |
| Net loans and leases to total assets | 46.5755% | 6,513 |
| Net loans and leases to deposits | 52.6333% | 6,699 |
| Net loans and leases to core deposits | 59.6249% | 6,422 |
| Total domestic deposits to total assets | 88.4906% | 1,948 |
| Equity capital to assets | 10.1518% | 3,558 |
| Core capital (leverage) ratio | 9.8993% | 3,208 |
| Tier 1 risk-based capital ratio | 19.8298% | 1,518 |
| Total risk-based capital ratio | 20.7544% | 1,565 |
| Memoranda: | ||
| Average total assets | $124,919,400 | 4,379 |
| Average earning assets | $110,446,200 | 4,455 |
| Average equity | $13,232,800 | 4,320 |
| Average total loans | $60,404,200 | 5,054 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 4,297 |
| Cost of funding earning assets | 0.9485% | 6,182 |
| Net interest margin | 4.1542% | 2,391 |
| Noninterest income to average assets | 0.7802% | 2,320 |
| Noninterest expense to average assets | 2.8306% | 4,348 |
| Loan and lease loss provision to assets | 0.0376% | 6,707 |
| Net operating income to assets | 1.5690% | 791 |
| Return on assets (ROA) | 1.9504% | 405 |
| Pretax return on assets | 1.9504% | 706 |
| Return on Equity (ROE) | 18.2163% | 466 |
| Retained earnings to average equity (ytd only) | 10.2473% | 741 |
| Net charge-offs to loans | 0.0199% | 6,397 |
| Credit loss provision to net charge-offs | 388.8889% | 791 |
| Earnings coverage of net charge-offs (x) | 166.1067% | 196 |
| Efficiency ratio | 63.7927% | 5,282 |
| Assets per employee ($millions) | 3.7762% | 4,328 |
| Cash dividends to net income (ytd only)* | 43.7465% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,455 |
| Loan loss allowance to noncurrent loans | 298.4772% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 6,959 |
| Noncurrent loans to loans | 0.3309% | 6,530 |
| Net loans and leases to total assets | 47.2981% | 6,580 |
| Net loans and leases to deposits | 54.1798% | 6,760 |
| Net loans and leases to core deposits | 61.5003% | 6,502 |
| Total domestic deposits to total assets | 87.2984% | 2,373 |
| Equity capital to assets | 11.1464% | 2,819 |
| Core capital (leverage) ratio | 10.4420% | 2,752 |
| Tier 1 risk-based capital ratio | 21.6136% | 1,266 |
| Total risk-based capital ratio | 22.5869% | 1,287 |
| Memoranda: | ||
| Average total assets | $124,071,250 | 4,453 |
| Average earning assets | $109,221,000 | 4,548 |
| Average equity | $13,284,500 | 4,371 |
| Average total loans | $60,417,500 | 5,130 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 4,408 |
| Cost of funding earning assets | 0.9609% | 6,333 |
| Net interest margin | 4.1477% | 2,343 |
| Noninterest income to average assets | 0.7862% | 2,195 |
| Noninterest expense to average assets | 2.8445% | 4,292 |
| Loan and lease loss provision to assets | 0.0161% | 6,760 |
| Net operating income to assets | 1.6046% | 722 |
| Return on assets (ROA) | 2.1777% | 269 |
| Pretax return on assets | 2.1777% | 423 |
| Return on Equity (ROE) | 20.6227% | 280 |
| Retained earnings to average equity (ytd only) | 10.8846% | 678 |
| Net charge-offs to loans | 0.0362% | 5,850 |
| Credit loss provision to net charge-offs | 90.9091% | 4,391 |
| Earnings coverage of net charge-offs (x) | 91.2727% | 359 |
| Efficiency ratio | 63.7021% | 5,387 |
| Assets per employee ($millions) | 3.8196% | 4,178 |
| Cash dividends to net income (ytd only)* | 47.2202% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9239% | 6,678 |
| Loan loss allowance to noncurrent loans | 539.4231% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 7,179 |
| Noncurrent loans to loans | 0.1713% | 6,914 |
| Net loans and leases to total assets | 49.2223% | 6,525 |
| Net loans and leases to deposits | 56.1625% | 6,716 |
| Net loans and leases to core deposits | 63.8775% | 6,409 |
| Total domestic deposits to total assets | 87.6427% | 2,185 |
| Equity capital to assets | 10.9297% | 2,938 |
| Core capital (leverage) ratio | 10.1773% | 2,965 |
| Tier 1 risk-based capital ratio | 20.5507% | 1,419 |
| Total risk-based capital ratio | 21.4536% | 1,449 |
| Memoranda: | ||
| Average total assets | $123,890,330 | 4,491 |
| Average earning assets | $109,893,000 | 4,560 |
| Average equity | $13,082,670 | 4,418 |
| Average total loans | $60,714,000 | 5,150 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 3,778 |
| Cost of funding earning assets | 0.9706% | 6,505 |
| Net interest margin | 4.2808% | 1,754 |
| Noninterest income to average assets | 0.7633% | 2,217 |
| Noninterest expense to average assets | 2.8351% | 4,345 |
| Loan and lease loss provision to assets | 0.0321% | 6,355 |
| Net operating income to assets | 1.6870% | 632 |
| Return on assets (ROA) | 2.5593% | 153 |
| Pretax return on assets | 2.5593% | 234 |
| Return on Equity (ROE) | 24.6591% | 171 |
| Retained earnings to average equity (ytd only) | 20.2712% | 188 |
| Net charge-offs to loans | 0.0066% | 5,516 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 536.0000% | 47 |
| Efficiency ratio | 62.2535% | 5,785 |
| Assets per employee ($millions) | 3.7955% | 4,326 |
| Cash dividends to net income (ytd only)* | 17.7945% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 6,670 |
| Loan loss allowance to noncurrent loans | 528.7037% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 7,272 |
| Noncurrent loans to loans | 0.1797% | 6,976 |
| Net loans and leases to total assets | 47.5230% | 6,716 |
| Net loans and leases to deposits | 53.9294% | 6,920 |
| Net loans and leases to core deposits | 61.0947% | 6,666 |
| Total domestic deposits to total assets | 88.1208% | 1,994 |
| Equity capital to assets | 10.5578% | 3,189 |
| Core capital (leverage) ratio | 10.1646% | 2,965 |
| Tier 1 risk-based capital ratio | 19.1578% | 1,682 |
| Total risk-based capital ratio | 20.0196% | 1,743 |
| Memoranda: | ||
| Average total assets | $124,722,000 | 4,529 |
| Average earning assets | $110,446,500 | 4,599 |
| Average equity | $12,944,500 | 4,488 |
| Average total loans | $60,709,000 | 5,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6566% | 3,320 |
| Cost of funding earning assets | 1.4669% | 5,656 |
| Net interest margin | 4.1897% | 2,103 |
| Noninterest income to average assets | 0.8637% | 2,121 |
| Noninterest expense to average assets | 3.0390% | 3,993 |
| Loan and lease loss provision to assets | 0.0408% | 7,139 |
| Net operating income to assets | 1.5399% | 623 |
| Return on assets (ROA) | 1.7621% | 411 |
| Pretax return on assets | 1.7621% | 685 |
| Return on Equity (ROE) | 16.4372% | 509 |
| Retained earnings to average equity (ytd only) | 6.8016% | 1,034 |
| Net charge-offs to loans | 0.0726% | 6,381 |
| Credit loss provision to net charge-offs | 109.3023% | 5,050 |
| Earnings coverage of net charge-offs (x) | 42.3488% | 588 |
| Efficiency ratio | 65.7835% | 5,433 |
| Assets per employee ($millions) | 3.8810% | 4,072 |
| Cash dividends to net income (ytd only)* | 58.6207% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 6,743 |
| Loan loss allowance to noncurrent loans | 567.6768% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 7,298 |
| Noncurrent loans to loans | 0.1614% | 7,021 |
| Net loans and leases to total assets | 48.9254% | 6,733 |
| Net loans and leases to deposits | 55.2845% | 6,967 |
| Net loans and leases to core deposits | 70.4582% | 6,738 |
| Total domestic deposits to total assets | 88.4976% | 1,728 |
| Equity capital to assets | 10.1980% | 3,516 |
| Core capital (leverage) ratio | 9.8566% | 3,262 |
| Tier 1 risk-based capital ratio | 19.1696% | 1,618 |
| Total risk-based capital ratio | 20.0647% | 1,658 |
| Memoranda: | ||
| Average total assets | $115,201,200 | 4,694 |
| Average earning assets | $103,277,200 | 4,748 |
| Average equity | $12,350,000 | 4,663 |
| Average total loans | $59,227,200 | 5,287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0676% | 1,767 |
| Cost of funding earning assets | 1.6189% | 5,315 |
| Net interest margin | 4.4487% | 1,318 |
| Noninterest income to average assets | 0.8605% | 2,142 |
| Noninterest expense to average assets | 3.0619% | 3,799 |
| Loan and lease loss provision to assets | 0.0319% | 7,039 |
| Net operating income to assets | 1.7564% | 500 |
| Return on assets (ROA) | 1.7564% | 522 |
| Pretax return on assets | 1.7564% | 872 |
| Return on Equity (ROE) | 16.1675% | 628 |
| Retained earnings to average equity (ytd only) | 10.7348% | 505 |
| Net charge-offs to loans | 0.0568% | 6,138 |
| Credit loss provision to net charge-offs | 108.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | 60.6046% | 545 |
| Efficiency ratio | 63.1297% | 5,903 |
| Assets per employee ($millions) | 3.7874% | 4,211 |
| Cash dividends to net income (ytd only)* | 33.6022% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 6,622 |
| Loan loss allowance to noncurrent loans | 238.2979% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 7,028 |
| Noncurrent loans to loans | 0.3921% | 6,558 |
| Net loans and leases to total assets | 50.5711% | 6,732 |
| Net loans and leases to deposits | 57.6764% | 6,985 |
| Net loans and leases to core deposits | 76.1452% | 6,604 |
| Total domestic deposits to total assets | 87.6807% | 1,813 |
| Equity capital to assets | 10.9966% | 3,008 |
| Core capital (leverage) ratio | 10.5818% | 2,731 |
| Tier 1 risk-based capital ratio | 20.6177% | 1,438 |
| Total risk-based capital ratio | 21.5576% | 1,450 |
| Memoranda: | ||
| Average total assets | $112,953,750 | 4,784 |
| Average earning assets | $101,300,250 | 4,837 |
| Average equity | $12,271,250 | 4,725 |
| Average total loans | $58,703,250 | 5,351 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1462% | 1,629 |
| Cost of funding earning assets | 1.7168% | 5,188 |
| Net interest margin | 4.4293% | 1,338 |
| Noninterest income to average assets | 0.8433% | 2,201 |
| Noninterest expense to average assets | 3.0950% | 3,726 |
| Loan and lease loss provision to assets | 0.0305% | 6,938 |
| Net operating income to assets | 1.6848% | 581 |
| Return on assets (ROA) | 1.6848% | 639 |
| Pretax return on assets | 1.6848% | 1,046 |
| Return on Equity (ROE) | 15.5747% | 750 |
| Retained earnings to average equity (ytd only) | 9.8358% | 766 |
| Net charge-offs to loans | 0.0549% | 5,727 |
| Credit loss provision to net charge-offs | 106.2500% | 4,335 |
| Earnings coverage of net charge-offs (x) | 59.7500% | 596 |
| Efficiency ratio | 64.3417% | 5,841 |
| Assets per employee ($millions) | 3.6597% | 4,429 |
| Cash dividends to net income (ytd only)* | 36.8477% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 6,510 |
| Loan loss allowance to noncurrent loans | 308.8398% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 7,159 |
| Noncurrent loans to loans | 0.3105% | 6,734 |
| Net loans and leases to total assets | 50.8867% | 6,793 |
| Net loans and leases to deposits | 57.8953% | 7,037 |
| Net loans and leases to core deposits | 73.3944% | 6,823 |
| Total domestic deposits to total assets | 87.8944% | 1,820 |
| Equity capital to assets | 10.8733% | 3,040 |
| Core capital (leverage) ratio | 10.5009% | 2,812 |
| Tier 1 risk-based capital ratio | 20.5713% | 1,469 |
| Total risk-based capital ratio | 21.5402% | 1,481 |
| Memoranda: | ||
| Average total assets | $111,468,670 | 4,841 |
| Average earning assets | $99,834,330 | 4,897 |
| Average equity | $12,058,000 | 4,799 |
| Average total loans | $58,292,670 | 5,411 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5120% | 847 |
| Cost of funding earning assets | 1.7686% | 5,268 |
| Net interest margin | 4.7433% | 700 |
| Noninterest income to average assets | 0.8219% | 2,219 |
| Noninterest expense to average assets | 2.9943% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0710% | 306 |
| Return on assets (ROA) | 2.0710% | 349 |
| Pretax return on assets | 2.0710% | 570 |
| Return on Equity (ROE) | 19.1962% | 487 |
| Retained earnings to average equity (ytd only) | 12.4843% | 717 |
| Net charge-offs to loans | -0.0206% | 7,447 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1137% | 6,538 |
| Assets per employee ($millions) | 3.4662% | 4,902 |
| Cash dividends to net income (ytd only)* | 34.9650% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,401 |
| Loan loss allowance to noncurrent loans | 233.7500% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 6,875 |
| Noncurrent loans to loans | 0.4128% | 6,389 |
| Net loans and leases to total assets | 51.9127% | 6,692 |
| Net loans and leases to deposits | 59.0974% | 6,967 |
| Net loans and leases to core deposits | 75.3126% | 6,726 |
| Total domestic deposits to total assets | 87.8425% | 1,826 |
| Equity capital to assets | 10.9296% | 3,032 |
| Core capital (leverage) ratio | 10.5401% | 2,882 |
| Tier 1 risk-based capital ratio | 20.5024% | 1,523 |
| Total risk-based capital ratio | 21.4883% | 1,533 |
| Memoranda: | ||
| Average total assets | $110,477,000 | 4,890 |
| Average earning assets | $98,833,500 | 4,951 |
| Average equity | $11,919,000 | 4,856 |
| Average total loans | $58,293,500 | 5,433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4027% | 3,408 |
| Cost of funding earning assets | 2.0225% | 6,337 |
| Net interest margin | 4.3802% | 1,751 |
| Noninterest income to average assets | 0.9394% | 1,819 |
| Noninterest expense to average assets | 3.1113% | 3,655 |
| Loan and lease loss provision to assets | 0.0225% | 7,114 |
| Net operating income to assets | 1.2662% | 1,580 |
| Return on assets (ROA) | 1.2662% | 1,528 |
| Pretax return on assets | 1.8198% | 905 |
| Return on Equity (ROE) | 11.4268% | 1,781 |
| Retained earnings to average equity (ytd only) | 0.5916% | 4,886 |
| Net charge-offs to loans | 0.0857% | 5,528 |
| Credit loss provision to net charge-offs | 48.0000% | 6,373 |
| Earnings coverage of net charge-offs (x) | 39.3400% | 949 |
| Efficiency ratio | 62.8096% | 5,816 |
| Assets per employee ($millions) | 3.4386% | 4,832 |
| Cash dividends to net income (ytd only)* | 94.8225% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 6,373 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 6,983 |
| Noncurrent loans to loans | 0.2772% | 6,540 |
| Net loans and leases to total assets | 52.6078% | 6,788 |
| Net loans and leases to deposits | 59.6570% | 7,118 |
| Net loans and leases to core deposits | 76.4134% | 6,840 |
| Total domestic deposits to total assets | 88.1838% | 1,395 |
| Equity capital to assets | 10.6466% | 3,350 |
| Core capital (leverage) ratio | 10.4054% | 3,067 |
| Tier 1 risk-based capital ratio | 20.3095% | 1,568 |
| Total risk-based capital ratio | 21.3147% | 1,571 |
| Memoranda: | ||
| Average total assets | $106,772,800 | 4,860 |
| Average earning assets | $97,849,200 | 4,865 |
| Average equity | $11,831,800 | 4,881 |
| Average total loans | $58,373,600 | 5,347 |