Home > National Bank & Trust > Performance and Condition Ratios
National Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 3,751 |
| Cost of funding earning assets | 1.6622% | 1,539 |
| Net interest margin | 2.4690% | 4,122 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.2254% | 3,057 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4196% | 3,829 |
| Return on assets (ROA) | 0.2806% | 4,057 |
| Pretax return on assets | 0.2806% | 4,107 |
| Return on Equity (ROE) | 3.6900% | 3,934 |
| Retained earnings to average equity (ytd only) | 0.1059% | 4,023 |
| Net charge-offs to loans | 0.0067% | 2,438 |
| Credit loss provision to net charge-offs | 1,337.5000% | 319 |
| Earnings coverage of net charge-offs (x) | 127.6250% | 789 |
| Efficiency ratio | 82.9862% | 721 |
| Assets per employee ($millions) | 9.3238% | 883 |
| Cash dividends to net income (ytd only)* | 97.1338% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 2,615 |
| Loan loss allowance to noncurrent loans | 3,374.4186% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,621 |
| Noncurrent loans to loans | 0.0337% | 3,489 |
| Net loans and leases to total assets | 54.1000% | 3,342 |
| Net loans and leases to deposits | 71.6920% | 2,770 |
| Net loans and leases to core deposits | 76.1555% | 2,964 |
| Total domestic deposits to total assets | 75.4600% | 3,991 |
| Equity capital to assets | 7.8860% | 3,491 |
| Core capital (leverage) ratio | 11.9356% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $223,777,600 | 2,824 |
| Average earning assets | $208,098,000 | 2,814 |
| Average equity | $17,004,600 | 3,093 |
| Average total loans | $119,443,400 | 2,961 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,750 |
| Cost of funding earning assets | 1.4908% | 1,635 |
| Net interest margin | 2.5634% | 4,078 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.2777% | 2,862 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.4455% | 3,880 |
| Return on assets (ROA) | 0.2583% | 4,173 |
| Pretax return on assets | 0.2583% | 4,200 |
| Return on Equity (ROE) | 3.4300% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.4332% | 3,408 |
| Net charge-offs to loans | -0.0045% | 3,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.1498% | 720 |
| Assets per employee ($millions) | 8.2135% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,571 |
| Loan loss allowance to noncurrent loans | 3,325.0000% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 3,629 |
| Noncurrent loans to loans | 0.0349% | 3,516 |
| Net loans and leases to total assets | 56.1800% | 3,187 |
| Net loans and leases to deposits | 72.2242% | 2,695 |
| Net loans and leases to core deposits | 76.9242% | 2,804 |
| Total domestic deposits to total assets | 77.7900% | 3,840 |
| Equity capital to assets | 6.9010% | 3,660 |
| Core capital (leverage) ratio | 12.1163% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $221,448,000 | 2,852 |
| Average earning assets | $206,232,500 | 2,836 |
| Average equity | $16,660,250 | 3,103 |
| Average total loans | $117,416,750 | 2,986 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 3,871 |
| Cost of funding earning assets | 1.2255% | 1,915 |
| Net interest margin | 2.6732% | 4,007 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.1939% | 3,098 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5810% | 3,630 |
| Return on assets (ROA) | 0.3009% | 4,181 |
| Pretax return on assets | 0.3009% | 4,233 |
| Return on Equity (ROE) | 3.8900% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.8919% | 3,232 |
| Net charge-offs to loans | -0.0035% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.4003% | 1,141 |
| Assets per employee ($millions) | 8.1508% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1598% | 2,659 |
| Loan loss allowance to noncurrent loans | 3,108.5106% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 3,623 |
| Noncurrent loans to loans | 0.0373% | 3,468 |
| Net loans and leases to total assets | 54.5600% | 3,228 |
| Net loans and leases to deposits | 70.0926% | 2,780 |
| Net loans and leases to core deposits | 74.0398% | 2,880 |
| Total domestic deposits to total assets | 77.8300% | 3,865 |
| Equity capital to assets | 7.5094% | 3,510 |
| Core capital (leverage) ratio | 12.5181% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $221,342,667 | 2,860 |
| Average earning assets | $206,120,333 | 2,851 |
| Average equity | $17,112,333 | 3,096 |
| Average total loans | $114,537,667 | 3,009 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 4,050 |
| Cost of funding earning assets | 1.0418% | 1,908 |
| Net interest margin | 2.6428% | 4,158 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.1331% | 3,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6920% | 3,493 |
| Return on assets (ROA) | 0.1230% | 4,388 |
| Pretax return on assets | 0.1230% | 4,393 |
| Return on Equity (ROE) | 1.5700% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.5673% | 3,771 |
| Net charge-offs to loans | -0.0184% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.5036% | 1,203 |
| Assets per employee ($millions) | 7.4210% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,342 |
| Loan loss allowance to noncurrent loans | 2,825.0000% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,584 |
| Noncurrent loans to loans | 0.0438% | 3,425 |
| Net loans and leases to total assets | 50.2500% | 3,475 |
| Net loans and leases to deposits | 58.5264% | 3,422 |
| Net loans and leases to core deposits | 61.4920% | 3,474 |
| Total domestic deposits to total assets | 85.8600% | 2,633 |
| Equity capital to assets | 8.0317% | 3,222 |
| Core capital (leverage) ratio | 12.4895% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $217,903,500 | 2,924 |
| Average earning assets | $203,877,000 | 2,908 |
| Average equity | $17,099,500 | 3,124 |
| Average total loans | $108,821,500 | 3,105 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 3,550 |
| Cost of funding earning assets | 0.4207% | 1,935 |
| Net interest margin | 2.8948% | 3,695 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.9716% | 3,660 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9318% | 2,839 |
| Return on assets (ROA) | 0.9318% | 2,784 |
| Pretax return on assets | 0.9318% | 3,266 |
| Return on Equity (ROE) | 10.4400% | 2,664 |
| Retained earnings to average equity (ytd only) | 0.1700% | 4,316 |
| Net charge-offs to loans | 0.0065% | 2,168 |
| Credit loss provision to net charge-offs | 4,350.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 381.1667% | 406 |
| Efficiency ratio | 65.2114% | 2,337 |
| Assets per employee ($millions) | 7.8785% | 1,387 |
| Cash dividends to net income (ytd only)* | 98.3712% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,150 |
| Loan loss allowance to noncurrent loans | 2,704.0000% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 3,609 |
| Noncurrent loans to loans | 0.0462% | 3,418 |
| Net loans and leases to total assets | 48.4100% | 3,647 |
| Net loans and leases to deposits | 56.1256% | 3,570 |
| Net loans and leases to core deposits | 58.8131% | 3,563 |
| Total domestic deposits to total assets | 86.2600% | 2,654 |
| Equity capital to assets | 7.6673% | 3,277 |
| Core capital (leverage) ratio | 12.2014% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $217,434,600 | 2,923 |
| Average earning assets | $204,920,000 | 2,892 |
| Average equity | $19,412,400 | 3,003 |
| Average total loans | $92,391,800 | 3,255 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2118% | 3,408 |
| Cost of funding earning assets | 0.3134% | 2,027 |
| Net interest margin | 2.8984% | 3,507 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9318% | 3,667 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0229% | 2,396 |
| Return on assets (ROA) | 1.0229% | 2,371 |
| Pretax return on assets | 1.0229% | 2,957 |
| Return on Equity (ROE) | 11.0600% | 2,359 |
| Retained earnings to average equity (ytd only) | 0.1863% | 4,311 |
| Net charge-offs to loans | 0.0121% | 1,669 |
| Credit loss provision to net charge-offs | 1,150.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 219.2500% | 591 |
| Efficiency ratio | 64.1529% | 2,527 |
| Assets per employee ($millions) | 8.3147% | 1,165 |
| Cash dividends to net income (ytd only)* | 98.3153% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2003% | 2,524 |
| Loan loss allowance to noncurrent loans | 2,315.6863% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 3,707 |
| Noncurrent loans to loans | 0.0518% | 3,506 |
| Net loans and leases to total assets | 44.9700% | 3,820 |
| Net loans and leases to deposits | 48.7166% | 3,923 |
| Net loans and leases to core deposits | 51.0010% | 3,904 |
| Total domestic deposits to total assets | 92.3000% | 781 |
| Equity capital to assets | 6.2174% | 3,875 |
| Core capital (leverage) ratio | 11.7705% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $216,643,750 | 2,953 |
| Average earning assets | $204,199,250 | 2,922 |
| Average equity | $20,037,000 | 2,992 |
| Average total loans | $88,452,500 | 3,322 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0676% | 3,382 |
| Cost of funding earning assets | 0.2548% | 2,196 |
| Net interest margin | 2.8128% | 3,412 |
| Noninterest income to average assets | 0.2657% | 3,581 |
| Noninterest expense to average assets | 1.9244% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9991% | 2,158 |
| Return on assets (ROA) | 0.9991% | 2,131 |
| Pretax return on assets | 0.9991% | 2,740 |
| Return on Equity (ROE) | 9.7411% | 2,427 |
| Retained earnings to average equity (ytd only) | 6.6650% | 2,106 |
| Net charge-offs to loans | 0.0211% | 1,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 120.3333% | 734 |
| Efficiency ratio | 65.8252% | 2,536 |
| Assets per employee ($millions) | 8.5818% | 1,037 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,618 |
| Loan loss allowance to noncurrent loans | 2,052.8302% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,747 |
| Noncurrent loans to loans | 0.0592% | 3,507 |
| Net loans and leases to total assets | 41.2326% | 4,024 |
| Net loans and leases to deposits | 45.1708% | 4,060 |
| Net loans and leases to core deposits | 47.1318% | 4,079 |
| Total domestic deposits to total assets | 91.2816% | 1,112 |
| Equity capital to assets | 7.3756% | 3,547 |
| Core capital (leverage) ratio | 12.3535% | 1,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,797,667 | 2,974 |
| Average earning assets | $204,848,667 | 2,958 |
| Average equity | $22,235,667 | 2,872 |
| Average total loans | $85,139,333 | 3,391 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0476% | 3,112 |
| Cost of funding earning assets | 0.2508% | 2,148 |
| Net interest margin | 2.7969% | 3,153 |
| Noninterest income to average assets | 0.2460% | 3,671 |
| Noninterest expense to average assets | 1.8961% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0114% | 1,832 |
| Return on assets (ROA) | 1.0169% | 1,795 |
| Pretax return on assets | 1.0169% | 2,387 |
| Return on Equity (ROE) | 8.7102% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.8078% | 1,953 |
| Net charge-offs to loans | 0.0434% | 853 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 61.2222% | 847 |
| Efficiency ratio | 65.2146% | 2,875 |
| Assets per employee ($millions) | 8.7613% | 994 |
| Cash dividends to net income (ytd only)* | 21.8412% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,511 |
| Loan loss allowance to noncurrent loans | 830.5344% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,459 |
| Noncurrent loans to loans | 0.1526% | 3,039 |
| Net loans and leases to total assets | 38.6884% | 4,085 |
| Net loans and leases to deposits | 43.7641% | 4,080 |
| Net loans and leases to core deposits | 45.7671% | 4,083 |
| Total domestic deposits to total assets | 88.4022% | 2,337 |
| Equity capital to assets | 10.2720% | 1,706 |
| Core capital (leverage) ratio | 12.4334% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,923,500 | 2,982 |
| Average earning assets | $207,375,000 | 2,946 |
| Average equity | $25,441,500 | 2,742 |
| Average total loans | $82,933,500 | 3,422 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9088% | 4,037 |
| Cost of funding earning assets | 0.3674% | 1,783 |
| Net interest margin | 2.5415% | 4,133 |
| Noninterest income to average assets | 0.2376% | 3,954 |
| Noninterest expense to average assets | 1.8318% | 4,084 |
| Loan and lease loss provision to assets | 0.0179% | 2,713 |
| Net operating income to assets | 0.7982% | 3,337 |
| Return on assets (ROA) | 0.8710% | 3,197 |
| Pretax return on assets | 0.8710% | 3,564 |
| Return on Equity (ROE) | 6.6260% | 3,615 |
| Retained earnings to average equity (ytd only) | 0.0068% | 4,485 |
| Net charge-offs to loans | 0.0369% | 1,511 |
| Credit loss provision to net charge-offs | 133.3333% | 1,560 |
| Earnings coverage of net charge-offs (x) | 60.9000% | 1,163 |
| Efficiency ratio | 69.1802% | 1,836 |
| Assets per employee ($millions) | 9.0340% | 911 |
| Cash dividends to net income (ytd only)* | 99.8974% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 2,038 |
| Loan loss allowance to noncurrent loans | 757.2414% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,499 |
| Noncurrent loans to loans | 0.1812% | 3,036 |
| Net loans and leases to total assets | 36.4094% | 4,265 |
| Net loans and leases to deposits | 42.5689% | 4,246 |
| Net loans and leases to core deposits | 44.9281% | 4,232 |
| Total domestic deposits to total assets | 85.5305% | 3,079 |
| Equity capital to assets | 13.0913% | 874 |
| Core capital (leverage) ratio | 12.2777% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,883,800 | 2,881 |
| Average earning assets | $212,318,800 | 2,855 |
| Average equity | $29,429,400 | 2,570 |
| Average total loans | $81,269,000 | 3,453 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 4,146 |
| Cost of funding earning assets | 0.3989% | 1,701 |
| Net interest margin | 2.5158% | 4,244 |
| Noninterest income to average assets | 0.2287% | 4,034 |
| Noninterest expense to average assets | 1.8051% | 4,158 |
| Loan and lease loss provision to assets | 0.0235% | 2,524 |
| Net operating income to assets | 0.7811% | 3,572 |
| Return on assets (ROA) | 0.8774% | 3,386 |
| Pretax return on assets | 0.8774% | 3,745 |
| Return on Equity (ROE) | 6.6686% | 3,757 |
| Retained earnings to average equity (ytd only) | -2.0792% | 4,704 |
| Net charge-offs to loans | 0.0670% | 972 |
| Credit loss provision to net charge-offs | 97.5610% | 1,623 |
| Earnings coverage of net charge-offs (x) | 33.2195% | 1,469 |
| Efficiency ratio | 69.1646% | 1,691 |
| Assets per employee ($millions) | 8.5124% | 1,045 |
| Cash dividends to net income (ytd only)* | 131.1785% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 2,105 |
| Loan loss allowance to noncurrent loans | 822.7273% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 3,722 |
| Noncurrent loans to loans | 0.1678% | 3,282 |
| Net loans and leases to total assets | 35.0489% | 4,428 |
| Net loans and leases to deposits | 40.9936% | 4,415 |
| Net loans and leases to core deposits | 42.8571% | 4,420 |
| Total domestic deposits to total assets | 85.4985% | 2,946 |
| Equity capital to assets | 13.1632% | 938 |
| Core capital (leverage) ratio | 11.6066% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,651,000 | 2,901 |
| Average earning assets | $213,579,000 | 2,881 |
| Average equity | $29,690,750 | 2,587 |
| Average total loans | $81,576,500 | 3,498 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9570% | 4,123 |
| Cost of funding earning assets | 0.4313% | 1,650 |
| Net interest margin | 2.5256% | 4,272 |
| Noninterest income to average assets | 0.2228% | 4,068 |
| Noninterest expense to average assets | 1.7535% | 4,271 |
| Loan and lease loss provision to assets | 0.0220% | 2,534 |
| Net operating income to assets | 0.8349% | 3,407 |
| Return on assets (ROA) | 0.9168% | 3,248 |
| Pretax return on assets | 0.9168% | 3,621 |
| Return on Equity (ROE) | 6.9686% | 3,665 |
| Retained earnings to average equity (ytd only) | -5.0340% | 4,791 |
| Net charge-offs to loans | 0.0363% | 1,276 |
| Credit loss provision to net charge-offs | 166.6667% | 1,123 |
| Earnings coverage of net charge-offs (x) | 64.8667% | 931 |
| Efficiency ratio | 67.1727% | 1,987 |
| Assets per employee ($millions) | 8.5471% | 990 |
| Cash dividends to net income (ytd only)* | 172.2382% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,149 |
| Loan loss allowance to noncurrent loans | 491.9283% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,567 |
| Noncurrent loans to loans | 0.2767% | 2,945 |
| Net loans and leases to total assets | 34.4437% | 4,526 |
| Net loans and leases to deposits | 39.8992% | 4,523 |
| Net loans and leases to core deposits | 43.2255% | 4,488 |
| Total domestic deposits to total assets | 86.3267% | 2,614 |
| Equity capital to assets | 12.5289% | 1,119 |
| Core capital (leverage) ratio | 11.0775% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,094,000 | 2,894 |
| Average earning assets | $214,677,667 | 2,872 |
| Average equity | $29,876,667 | 2,565 |
| Average total loans | $82,549,667 | 3,504 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9096% | 4,243 |
| Cost of funding earning assets | 0.4510% | 1,717 |
| Net interest margin | 2.4586% | 4,355 |
| Noninterest income to average assets | 0.2220% | 4,051 |
| Noninterest expense to average assets | 1.7491% | 4,290 |
| Loan and lease loss provision to assets | 0.0178% | 2,548 |
| Net operating income to assets | 0.7689% | 3,519 |
| Return on assets (ROA) | 0.7689% | 3,590 |
| Pretax return on assets | 0.7689% | 3,869 |
| Return on Equity (ROE) | 5.7052% | 3,946 |
| Retained earnings to average equity (ytd only) | 4.7038% | 3,316 |
| Net charge-offs to loans | 0.0670% | 872 |
| Credit loss provision to net charge-offs | 71.4286% | 1,241 |
| Earnings coverage of net charge-offs (x) | 31.6429% | 1,074 |
| Efficiency ratio | 68.9776% | 1,816 |
| Assets per employee ($millions) | 9.3657% | 736 |
| Cash dividends to net income (ytd only)* | 17.5520% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 2,258 |
| Loan loss allowance to noncurrent loans | 564.0625% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 3,794 |
| Noncurrent loans to loans | 0.2373% | 3,253 |
| Net loans and leases to total assets | 34.0943% | 4,572 |
| Net loans and leases to deposits | 39.1906% | 4,590 |
| Net loans and leases to core deposits | 43.0139% | 4,526 |
| Total domestic deposits to total assets | 86.9959% | 2,311 |
| Equity capital to assets | 12.7111% | 988 |
| Core capital (leverage) ratio | 11.9257% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,255,500 | 2,896 |
| Average earning assets | $211,991,500 | 2,876 |
| Average equity | $30,358,500 | 2,514 |
| Average total loans | $83,533,000 | 3,503 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 4,404 |
| Cost of funding earning assets | 0.6530% | 1,971 |
| Net interest margin | 2.5895% | 4,512 |
| Noninterest income to average assets | 0.2514% | 3,982 |
| Noninterest expense to average assets | 1.7909% | 4,485 |
| Loan and lease loss provision to assets | 0.0285% | 4,041 |
| Net operating income to assets | 0.9119% | 2,640 |
| Return on assets (ROA) | 0.9779% | 2,515 |
| Pretax return on assets | 0.9779% | 3,115 |
| Return on Equity (ROE) | 6.9907% | 3,212 |
| Retained earnings to average equity (ytd only) | 2.1808% | 3,750 |
| Net charge-offs to loans | -0.0684% | 4,735 |
| Credit loss provision to net charge-offs | -98.3607% | 3,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5706% | 2,596 |
| Assets per employee ($millions) | 8.6548% | 845 |
| Cash dividends to net income (ytd only)* | 68.8047% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,611 |
| Loan loss allowance to noncurrent loans | 348.3974% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 3,569 |
| Noncurrent loans to loans | 0.3621% | 2,901 |
| Net loans and leases to total assets | 39.3157% | 4,466 |
| Net loans and leases to deposits | 46.1663% | 4,457 |
| Net loans and leases to core deposits | 51.4143% | 4,375 |
| Total domestic deposits to total assets | 85.1610% | 2,699 |
| Equity capital to assets | 14.3066% | 732 |
| Core capital (leverage) ratio | 12.3903% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,448,800 | 2,857 |
| Average earning assets | $201,544,600 | 2,809 |
| Average equity | $29,439,200 | 2,506 |
| Average total loans | $89,133,000 | 3,410 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 4,475 |
| Cost of funding earning assets | 0.7111% | 1,958 |
| Net interest margin | 2.5836% | 4,585 |
| Noninterest income to average assets | 0.2456% | 4,005 |
| Noninterest expense to average assets | 1.7450% | 4,572 |
| Loan and lease loss provision to assets | 0.0321% | 3,933 |
| Net operating income to assets | 0.9468% | 2,533 |
| Return on assets (ROA) | 1.0355% | 2,329 |
| Pretax return on assets | 1.0355% | 2,950 |
| Return on Equity (ROE) | 7.4464% | 3,031 |
| Retained earnings to average equity (ytd only) | 2.5555% | 3,706 |
| Net charge-offs to loans | -0.0430% | 4,631 |
| Credit loss provision to net charge-offs | -172.4138% | 3,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0665% | 2,722 |
| Assets per employee ($millions) | 8.6058% | 812 |
| Cash dividends to net income (ytd only)* | 65.6808% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,965 |
| Loan loss allowance to noncurrent loans | 762.7737% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 4,120 |
| Noncurrent loans to loans | 0.1498% | 3,783 |
| Net loans and leases to total assets | 42.0261% | 4,498 |
| Net loans and leases to deposits | 49.6251% | 4,497 |
| Net loans and leases to core deposits | 54.4933% | 4,432 |
| Total domestic deposits to total assets | 84.6871% | 2,558 |
| Equity capital to assets | 14.3210% | 778 |
| Core capital (leverage) ratio | 12.5135% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,968,750 | 2,855 |
| Average earning assets | $200,437,500 | 2,802 |
| Average equity | $29,060,250 | 2,527 |
| Average total loans | $89,877,750 | 3,415 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2429% | 4,691 |
| Cost of funding earning assets | 0.7523% | 2,108 |
| Net interest margin | 2.4906% | 4,742 |
| Noninterest income to average assets | 0.2494% | 3,978 |
| Noninterest expense to average assets | 1.6887% | 4,693 |
| Loan and lease loss provision to assets | 0.0193% | 3,995 |
| Net operating income to assets | 0.9318% | 2,574 |
| Return on assets (ROA) | 1.0517% | 2,275 |
| Pretax return on assets | 1.0517% | 2,868 |
| Return on Equity (ROE) | 7.6413% | 2,885 |
| Retained earnings to average equity (ytd only) | 2.0368% | 3,738 |
| Net charge-offs to loans | -0.1477% | 4,906 |
| Credit loss provision to net charge-offs | -30.3030% | 3,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9692% | 2,830 |
| Assets per employee ($millions) | 8.0502% | 951 |
| Cash dividends to net income (ytd only)* | 73.3456% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,713 |
| Loan loss allowance to noncurrent loans | 1,252.3810% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,348 |
| Noncurrent loans to loans | 0.0928% | 4,094 |
| Net loans and leases to total assets | 41.1497% | 4,561 |
| Net loans and leases to deposits | 48.2362% | 4,587 |
| Net loans and leases to core deposits | 53.0168% | 4,525 |
| Total domestic deposits to total assets | 85.3088% | 2,267 |
| Equity capital to assets | 13.7117% | 924 |
| Core capital (leverage) ratio | 12.3823% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,910,000 | 2,846 |
| Average earning assets | $198,589,333 | 2,791 |
| Average equity | $28,476,667 | 2,549 |
| Average total loans | $89,349,667 | 3,423 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 4,781 |
| Cost of funding earning assets | 0.8087% | 2,330 |
| Net interest margin | 2.5338% | 4,804 |
| Noninterest income to average assets | 0.2737% | 3,894 |
| Noninterest expense to average assets | 1.8603% | 4,588 |
| Loan and lease loss provision to assets | 0.0397% | 3,278 |
| Net operating income to assets | 0.8032% | 2,897 |
| Return on assets (ROA) | 0.8032% | 2,986 |
| Pretax return on assets | 0.8032% | 3,405 |
| Return on Equity (ROE) | 5.8245% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.8245% | 1,947 |
| Net charge-offs to loans | -0.3514% | 4,995 |
| Credit loss provision to net charge-offs | -25.6410% | 3,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8188% | 2,535 |
| Assets per employee ($millions) | 7.4934% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 2,524 |
| Loan loss allowance to noncurrent loans | 1,043.1373% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,341 |
| Noncurrent loans to loans | 0.1176% | 4,051 |
| Net loans and leases to total assets | 42.3279% | 4,579 |
| Net loans and leases to deposits | 51.0781% | 4,558 |
| Net loans and leases to core deposits | 56.8316% | 4,471 |
| Total domestic deposits to total assets | 82.8690% | 3,149 |
| Equity capital to assets | 14.1793% | 1,005 |
| Core capital (leverage) ratio | 13.2464% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,687,500 | 2,852 |
| Average earning assets | $193,387,500 | 2,799 |
| Average equity | $27,813,500 | 2,593 |
| Average total loans | $88,778,000 | 3,423 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2963% | 4,970 |
| Cost of funding earning assets | 1.0740% | 1,422 |
| Net interest margin | 2.2223% | 5,051 |
| Noninterest income to average assets | 0.2922% | 3,938 |
| Noninterest expense to average assets | 1.5741% | 4,963 |
| Loan and lease loss provision to assets | 0.0883% | 2,254 |
| Net operating income to assets | 0.7603% | 3,669 |
| Return on assets (ROA) | 0.7774% | 3,700 |
| Pretax return on assets | 0.7774% | 4,022 |
| Return on Equity (ROE) | 7.1338% | 3,507 |
| Retained earnings to average equity (ytd only) | 3.5488% | 3,225 |
| Net charge-offs to loans | 0.1550% | 1,293 |
| Credit loss provision to net charge-offs | 142.5532% | 1,807 |
| Earnings coverage of net charge-offs (x) | 13.6950% | 2,333 |
| Efficiency ratio | 64.9737% | 2,939 |
| Assets per employee ($millions) | 7.7328% | 787 |
| Cash dividends to net income (ytd only)* | 50.2544% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,150 |
| Loan loss allowance to noncurrent loans | 495.3846% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,136 |
| Noncurrent loans to loans | 0.2146% | 3,688 |
| Net loans and leases to total assets | 44.7083% | 4,569 |
| Net loans and leases to deposits | 53.3426% | 4,559 |
| Net loans and leases to core deposits | 59.1385% | 4,479 |
| Total domestic deposits to total assets | 83.8136% | 2,904 |
| Equity capital to assets | 13.3990% | 1,330 |
| Core capital (leverage) ratio | 12.7066% | 1,369 |
| Tier 1 risk-based capital ratio | 29.3225% | 503 |
| Total risk-based capital ratio | 30.4270% | 496 |
| Memoranda: | ||
| Average total assets | $227,554,800 | 2,598 |
| Average earning assets | $218,156,600 | 2,543 |
| Average equity | $24,797,400 | 2,733 |
| Average total loans | $90,943,800 | 3,375 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2771% | 5,074 |
| Cost of funding earning assets | 1.1414% | 1,206 |
| Net interest margin | 2.1357% | 5,162 |
| Noninterest income to average assets | 0.2858% | 4,023 |
| Noninterest expense to average assets | 1.5742% | 5,023 |
| Loan and lease loss provision to assets | 0.0518% | 2,871 |
| Net operating income to assets | 0.7094% | 3,981 |
| Return on assets (ROA) | 0.7316% | 3,973 |
| Pretax return on assets | 0.7316% | 4,276 |
| Return on Equity (ROE) | 7.0616% | 3,653 |
| Retained earnings to average equity (ytd only) | 3.0500% | 3,868 |
| Net charge-offs to loans | 0.0176% | 2,784 |
| Credit loss provision to net charge-offs | 758.3333% | 450 |
| Earnings coverage of net charge-offs (x) | 111.4138% | 693 |
| Efficiency ratio | 67.4061% | 2,514 |
| Assets per employee ($millions) | 8.1171% | 667 |
| Cash dividends to net income (ytd only)* | 56.8094% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,312 |
| Loan loss allowance to noncurrent loans | 1,387.3239% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,554 |
| Noncurrent loans to loans | 0.0754% | 4,304 |
| Net loans and leases to total assets | 44.1337% | 4,686 |
| Net loans and leases to deposits | 53.6739% | 4,645 |
| Net loans and leases to core deposits | 59.3904% | 4,556 |
| Total domestic deposits to total assets | 82.2256% | 3,406 |
| Equity capital to assets | 12.6144% | 1,831 |
| Core capital (leverage) ratio | 11.7832% | 2,010 |
| Tier 1 risk-based capital ratio | 27.5692% | 605 |
| Total risk-based capital ratio | 28.6411% | 600 |
| Memoranda: | ||
| Average total assets | $234,180,500 | 2,575 |
| Average earning assets | $224,746,250 | 2,523 |
| Average equity | $24,262,000 | 2,782 |
| Average total loans | $90,966,500 | 3,417 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2451% | 5,142 |
| Cost of funding earning assets | 1.1700% | 1,077 |
| Net interest margin | 2.0751% | 5,234 |
| Noninterest income to average assets | 0.2985% | 3,945 |
| Noninterest expense to average assets | 1.5337% | 5,101 |
| Loan and lease loss provision to assets | 0.0413% | 2,987 |
| Net operating income to assets | 0.7177% | 3,944 |
| Return on assets (ROA) | 0.7276% | 3,964 |
| Pretax return on assets | 0.7276% | 4,264 |
| Return on Equity (ROE) | 7.4972% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.9169% | 4,140 |
| Net charge-offs to loans | 0.0311% | 2,232 |
| Credit loss provision to net charge-offs | 357.1429% | 793 |
| Earnings coverage of net charge-offs (x) | 65.5714% | 939 |
| Efficiency ratio | 66.8951% | 2,699 |
| Assets per employee ($millions) | 7.8029% | 720 |
| Cash dividends to net income (ytd only)* | 74.4318% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,565 |
| Loan loss allowance to noncurrent loans | 819.1304% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,520 |
| Noncurrent loans to loans | 0.1233% | 4,126 |
| Net loans and leases to total assets | 39.4500% | 4,862 |
| Net loans and leases to deposits | 44.3876% | 4,943 |
| Net loans and leases to core deposits | 50.5396% | 4,858 |
| Total domestic deposits to total assets | 88.8763% | 717 |
| Equity capital to assets | 10.9955% | 3,060 |
| Core capital (leverage) ratio | 10.5983% | 2,985 |
| Tier 1 risk-based capital ratio | 25.8517% | 698 |
| Total risk-based capital ratio | 26.8263% | 699 |
| Memoranda: | ||
| Average total assets | $241,892,330 | 2,541 |
| Average earning assets | $232,474,670 | 2,479 |
| Average equity | $23,475,330 | 2,845 |
| Average total loans | $89,913,000 | 3,458 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1812% | 5,215 |
| Cost of funding earning assets | 1.1308% | 1,090 |
| Net interest margin | 2.0504% | 5,305 |
| Noninterest income to average assets | 0.3092% | 3,802 |
| Noninterest expense to average assets | 1.5379% | 5,141 |
| Loan and lease loss provision to assets | 0.0325% | 2,976 |
| Net operating income to assets | 0.7128% | 3,893 |
| Return on assets (ROA) | 0.7128% | 3,939 |
| Pretax return on assets | 0.7128% | 4,271 |
| Return on Equity (ROE) | 7.8412% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.6059% | 2,197 |
| Net charge-offs to loans | 0.0091% | 2,371 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 229.0000% | 345 |
| Efficiency ratio | 67.3557% | 2,732 |
| Assets per employee ($millions) | 8.4484% | 569 |
| Cash dividends to net income (ytd only)* | 15.7534% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,537 |
| Loan loss allowance to noncurrent loans | 710.7692% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 4,559 |
| Noncurrent loans to loans | 0.1446% | 4,088 |
| Net loans and leases to total assets | 36.3138% | 5,010 |
| Net loans and leases to deposits | 40.1689% | 5,075 |
| Net loans and leases to core deposits | 45.4453% | 5,009 |
| Total domestic deposits to total assets | 90.4030% | 316 |
| Equity capital to assets | 9.4962% | 4,263 |
| Core capital (leverage) ratio | 10.4389% | 3,122 |
| Tier 1 risk-based capital ratio | 25.6023% | 714 |
| Total risk-based capital ratio | 26.5431% | 719 |
| Memoranda: | ||
| Average total assets | $245,795,500 | 2,547 |
| Average earning assets | $236,637,000 | 2,480 |
| Average equity | $22,343,500 | 2,936 |
| Average total loans | $88,225,000 | 3,529 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0488% | 5,211 |
| Cost of funding earning assets | 0.8352% | 1,360 |
| Net interest margin | 2.2136% | 5,300 |
| Noninterest income to average assets | 0.3059% | 4,068 |
| Noninterest expense to average assets | 1.4427% | 5,247 |
| Loan and lease loss provision to assets | 0.0615% | 2,928 |
| Net operating income to assets | 0.9364% | 3,295 |
| Return on assets (ROA) | 0.9364% | 3,290 |
| Pretax return on assets | 0.9364% | 3,796 |
| Return on Equity (ROE) | 11.3757% | 1,946 |
| Retained earnings to average equity (ytd only) | 6.7145% | 1,806 |
| Net charge-offs to loans | 0.0827% | 1,956 |
| Credit loss provision to net charge-offs | 227.9412% | 1,294 |
| Earnings coverage of net charge-offs (x) | 36.9853% | 1,400 |
| Efficiency ratio | 59.1123% | 3,993 |
| Assets per employee ($millions) | 7.9545% | 668 |
| Cash dividends to net income (ytd only)* | 40.9746% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,398 |
| Loan loss allowance to noncurrent loans | 634.2657% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 4,552 |
| Noncurrent loans to loans | 0.1652% | 4,005 |
| Net loans and leases to total assets | 34.7336% | 5,103 |
| Net loans and leases to deposits | 38.5629% | 5,145 |
| Net loans and leases to core deposits | 41.7133% | 5,130 |
| Total domestic deposits to total assets | 90.0701% | 451 |
| Equity capital to assets | 8.6870% | 4,811 |
| Core capital (leverage) ratio | 10.3610% | 3,188 |
| Tier 1 risk-based capital ratio | 25.6002% | 699 |
| Total risk-based capital ratio | 26.5374% | 709 |
| Memoranda: | ||
| Average total assets | $252,027,800 | 2,456 |
| Average earning assets | $243,048,200 | 2,393 |
| Average equity | $20,746,000 | 3,014 |
| Average total loans | $82,202,000 | 3,619 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0059% | 5,285 |
| Cost of funding earning assets | 0.7763% | 1,440 |
| Net interest margin | 2.2296% | 5,374 |
| Noninterest income to average assets | 0.2920% | 4,201 |
| Noninterest expense to average assets | 1.4696% | 5,297 |
| Loan and lease loss provision to assets | 0.0605% | 2,769 |
| Net operating income to assets | 0.9108% | 3,479 |
| Return on assets (ROA) | 0.9108% | 3,484 |
| Pretax return on assets | 0.9108% | 3,985 |
| Return on Equity (ROE) | 11.2160% | 2,084 |
| Retained earnings to average equity (ytd only) | 7.0821% | 2,086 |
| Net charge-offs to loans | 0.0756% | 1,771 |
| Credit loss provision to net charge-offs | 250.0000% | 1,176 |
| Earnings coverage of net charge-offs (x) | 40.1316% | 1,353 |
| Efficiency ratio | 60.2069% | 3,790 |
| Assets per employee ($millions) | 8.2399% | 587 |
| Cash dividends to net income (ytd only)* | 36.8575% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,345.4545% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,852 |
| Noncurrent loans to loans | 0.0779% | 4,528 |
| Net loans and leases to total assets | 33.9354% | 5,203 |
| Net loans and leases to deposits | 36.9709% | 5,255 |
| Net loans and leases to core deposits | 39.8604% | 5,241 |
| Total domestic deposits to total assets | 91.7895% | 100 |
| Equity capital to assets | 8.0790% | 5,150 |
| Core capital (leverage) ratio | 9.9954% | 3,643 |
| Tier 1 risk-based capital ratio | 25.5931% | 706 |
| Total risk-based capital ratio | 26.5177% | 715 |
| Memoranda: | ||
| Average total assets | $253,387,750 | 2,465 |
| Average earning assets | $244,226,750 | 2,398 |
| Average equity | $20,577,250 | 3,056 |
| Average total loans | $81,113,500 | 3,674 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9820% | 5,342 |
| Cost of funding earning assets | 0.7195% | 1,528 |
| Net interest margin | 2.2625% | 5,431 |
| Noninterest income to average assets | 0.2842% | 4,280 |
| Noninterest expense to average assets | 1.4453% | 5,369 |
| Loan and lease loss provision to assets | 0.0665% | 2,563 |
| Net operating income to assets | 0.9560% | 3,209 |
| Return on assets (ROA) | 0.9560% | 3,216 |
| Pretax return on assets | 0.9560% | 3,788 |
| Return on Equity (ROE) | 11.7521% | 1,820 |
| Retained earnings to average equity (ytd only) | 6.6316% | 2,242 |
| Net charge-offs to loans | 0.1001% | 1,353 |
| Credit loss provision to net charge-offs | 212.5000% | 1,253 |
| Earnings coverage of net charge-offs (x) | 32.6500% | 1,431 |
| Efficiency ratio | 58.5660% | 4,143 |
| Assets per employee ($millions) | 8.7287% | 488 |
| Cash dividends to net income (ytd only)* | 43.5708% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,560 |
| Loan loss allowance to noncurrent loans | 502.3256% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 4,678 |
| Noncurrent loans to loans | 0.2080% | 3,979 |
| Net loans and leases to total assets | 32.3208% | 5,283 |
| Net loans and leases to deposits | 35.1590% | 5,336 |
| Net loans and leases to core deposits | 38.3948% | 5,317 |
| Total domestic deposits to total assets | 91.9275% | 96 |
| Equity capital to assets | 7.9591% | 5,236 |
| Core capital (leverage) ratio | 9.5689% | 4,029 |
| Tier 1 risk-based capital ratio | 25.1385% | 720 |
| Total risk-based capital ratio | 26.0350% | 734 |
| Memoranda: | ||
| Average total assets | $255,451,670 | 2,465 |
| Average earning assets | $246,545,670 | 2,384 |
| Average equity | $20,779,330 | 3,054 |
| Average total loans | $79,893,000 | 3,711 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9114% | 5,411 |
| Cost of funding earning assets | 0.6375% | 1,791 |
| Net interest margin | 2.2739% | 5,482 |
| Noninterest income to average assets | 0.2868% | 4,252 |
| Noninterest expense to average assets | 1.4933% | 5,400 |
| Loan and lease loss provision to assets | 0.0857% | 2,085 |
| Net operating income to assets | 0.9041% | 3,270 |
| Return on assets (ROA) | 0.9041% | 3,276 |
| Pretax return on assets | 0.9041% | 3,836 |
| Return on Equity (ROE) | 10.9976% | 1,969 |
| Retained earnings to average equity (ytd only) | 8.7412% | 1,558 |
| Net charge-offs to loans | 0.2089% | 711 |
| Credit loss provision to net charge-offs | 134.1463% | 1,308 |
| Earnings coverage of net charge-offs (x) | 15.4878% | 1,662 |
| Efficiency ratio | 60.1381% | 4,045 |
| Assets per employee ($millions) | 8.8904% | 460 |
| Cash dividends to net income (ytd only)* | 20.5172% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,671 |
| Loan loss allowance to noncurrent loans | 433.8542% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,720 |
| Noncurrent loans to loans | 0.2416% | 3,902 |
| Net loans and leases to total assets | 30.5010% | 5,356 |
| Net loans and leases to deposits | 33.1539% | 5,405 |
| Net loans and leases to core deposits | 36.6230% | 5,385 |
| Total domestic deposits to total assets | 91.9983% | 109 |
| Equity capital to assets | 7.8725% | 5,302 |
| Core capital (leverage) ratio | 9.5116% | 4,056 |
| Tier 1 risk-based capital ratio | 25.2917% | 733 |
| Total risk-based capital ratio | 26.1700% | 742 |
| Memoranda: | ||
| Average total assets | $256,612,000 | 2,468 |
| Average earning assets | $247,857,000 | 2,400 |
| Average equity | $21,095,500 | 3,034 |
| Average total loans | $78,500,500 | 3,768 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9229% | 5,401 |
| Cost of funding earning assets | 0.5813% | 1,727 |
| Net interest margin | 2.3416% | 5,491 |
| Noninterest income to average assets | 0.2936% | 4,356 |
| Noninterest expense to average assets | 1.5165% | 5,469 |
| Loan and lease loss provision to assets | 0.0786% | 2,623 |
| Net operating income to assets | 0.9577% | 2,410 |
| Return on assets (ROA) | 1.0232% | 2,176 |
| Pretax return on assets | 1.0232% | 3,484 |
| Return on Equity (ROE) | 10.6638% | 1,606 |
| Retained earnings to average equity (ytd only) | 0.7971% | 4,718 |
| Net charge-offs to loans | 0.1181% | 1,862 |
| Credit loss provision to net charge-offs | 217.6471% | 1,254 |
| Earnings coverage of net charge-offs (x) | 28.6941% | 1,593 |
| Efficiency ratio | 59.4041% | 4,354 |
| Assets per employee ($millions) | 9.1215% | 434 |
| Cash dividends to net income (ytd only)* | 92.5249% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,581 |
| Loan loss allowance to noncurrent loans | 890.2174% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 4,959 |
| Noncurrent loans to loans | 0.1187% | 4,448 |
| Net loans and leases to total assets | 30.0353% | 5,436 |
| Net loans and leases to deposits | 32.9498% | 5,478 |
| Net loans and leases to core deposits | 35.4441% | 5,467 |
| Total domestic deposits to total assets | 91.1548% | 209 |
| Equity capital to assets | 8.5723% | 5,065 |
| Core capital (leverage) ratio | 9.3987% | 4,159 |
| Tier 1 risk-based capital ratio | 25.1312% | 716 |
| Total risk-based capital ratio | 26.0049% | 729 |
| Memoranda: | ||
| Average total assets | $235,345,600 | 2,602 |
| Average earning assets | $227,071,800 | 2,527 |
| Average equity | $22,581,000 | 2,897 |
| Average total loans | $71,990,000 | 3,918 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9265% | 5,465 |
| Cost of funding earning assets | 0.5654% | 1,775 |
| Net interest margin | 2.3612% | 5,547 |
| Noninterest income to average assets | 0.2871% | 4,473 |
| Noninterest expense to average assets | 1.5757% | 5,469 |
| Loan and lease loss provision to assets | 0.0753% | 2,566 |
| Net operating income to assets | 0.9134% | 2,953 |
| Return on assets (ROA) | 1.0026% | 2,591 |
| Pretax return on assets | 1.0026% | 3,681 |
| Return on Equity (ROE) | 10.1495% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.9285% | 1,252 |
| Net charge-offs to loans | 0.1171% | 1,621 |
| Credit loss provision to net charge-offs | 209.6774% | 1,302 |
| Earnings coverage of net charge-offs (x) | 27.5500% | 1,630 |
| Efficiency ratio | 61.4447% | 3,965 |
| Assets per employee ($millions) | 9.6919% | 351 |
| Cash dividends to net income (ytd only)* | 21.8821% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,798 |
| Loan loss allowance to noncurrent loans | 511.0390% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 4,931 |
| Noncurrent loans to loans | 0.2054% | 4,257 |
| Net loans and leases to total assets | 29.4481% | 5,511 |
| Net loans and leases to deposits | 32.5348% | 5,553 |
| Net loans and leases to core deposits | 35.3486% | 5,532 |
| Total domestic deposits to total assets | 90.5127% | 322 |
| Equity capital to assets | 9.3091% | 4,642 |
| Core capital (leverage) ratio | 10.0956% | 3,448 |
| Tier 1 risk-based capital ratio | 25.3132% | 723 |
| Total risk-based capital ratio | 26.1755% | 746 |
| Memoranda: | ||
| Average total assets | $230,331,250 | 2,659 |
| Average earning assets | $222,145,750 | 2,585 |
| Average equity | $22,752,750 | 2,904 |
| Average total loans | $70,605,000 | 3,978 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9972% | 5,438 |
| Cost of funding earning assets | 0.5633% | 1,693 |
| Net interest margin | 2.4339% | 5,546 |
| Noninterest income to average assets | 0.2922% | 4,463 |
| Noninterest expense to average assets | 1.6386% | 5,466 |
| Loan and lease loss provision to assets | 0.0538% | 2,898 |
| Net operating income to assets | 0.9430% | 2,702 |
| Return on assets (ROA) | 0.9807% | 2,571 |
| Pretax return on assets | 0.9807% | 3,634 |
| Return on Equity (ROE) | 9.7168% | 2,165 |
| Retained earnings to average equity (ytd only) | 8.0204% | 1,157 |
| Net charge-offs to loans | 0.0376% | 2,448 |
| Credit loss provision to net charge-offs | 461.5385% | 702 |
| Earnings coverage of net charge-offs (x) | 85.5385% | 729 |
| Efficiency ratio | 62.1769% | 3,962 |
| Assets per employee ($millions) | 7.7396% | 680 |
| Cash dividends to net income (ytd only)* | 17.4589% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,729 |
| Loan loss allowance to noncurrent loans | 394.8454% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 4,847 |
| Noncurrent loans to loans | 0.2716% | 4,070 |
| Net loans and leases to total assets | 31.4812% | 5,508 |
| Net loans and leases to deposits | 36.0042% | 5,540 |
| Net loans and leases to core deposits | 40.4851% | 5,485 |
| Total domestic deposits to total assets | 87.4376% | 1,753 |
| Equity capital to assets | 10.4024% | 3,454 |
| Core capital (leverage) ratio | 10.2761% | 3,170 |
| Tier 1 risk-based capital ratio | 26.6506% | 630 |
| Total risk-based capital ratio | 27.5515% | 635 |
| Memoranda: | ||
| Average total assets | $223,112,000 | 2,738 |
| Average earning assets | $214,803,000 | 2,657 |
| Average equity | $22,517,670 | 2,926 |
| Average total loans | $69,142,330 | 4,039 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9587% | 5,499 |
| Cost of funding earning assets | 0.5607% | 1,639 |
| Net interest margin | 2.3980% | 5,619 |
| Noninterest income to average assets | 0.2697% | 4,612 |
| Noninterest expense to average assets | 1.7191% | 5,459 |
| Loan and lease loss provision to assets | 0.0539% | 2,722 |
| Net operating income to assets | 0.8038% | 3,204 |
| Return on assets (ROA) | 0.8595% | 2,993 |
| Pretax return on assets | 0.8595% | 3,902 |
| Return on Equity (ROE) | 8.6506% | 2,587 |
| Retained earnings to average equity (ytd only) | 6.8951% | 1,890 |
| Net charge-offs to loans | 0.0294% | 2,174 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 562 |
| Efficiency ratio | 66.7132% | 3,378 |
| Assets per employee ($millions) | 7.6921% | 702 |
| Cash dividends to net income (ytd only)* | 20.2929% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,848 |
| Loan loss allowance to noncurrent loans | 437.6471% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,972 |
| Noncurrent loans to loans | 0.2459% | 4,225 |
| Net loans and leases to total assets | 30.6571% | 5,567 |
| Net loans and leases to deposits | 34.3315% | 5,613 |
| Net loans and leases to core deposits | 38.7690% | 5,550 |
| Total domestic deposits to total assets | 89.2971% | 1,006 |
| Equity capital to assets | 10.1084% | 3,612 |
| Core capital (leverage) ratio | 10.8132% | 2,583 |
| Tier 1 risk-based capital ratio | 28.2967% | 538 |
| Total risk-based capital ratio | 29.1843% | 549 |
| Memoranda: | ||
| Average total assets | $222,444,000 | 2,770 |
| Average earning assets | $214,015,000 | 2,690 |
| Average equity | $22,102,500 | 2,977 |
| Average total loans | $68,001,000 | 4,094 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8462% | 5,618 |
| Cost of funding earning assets | 0.5710% | 1,535 |
| Net interest margin | 2.2752% | 5,721 |
| Noninterest income to average assets | 0.2716% | 4,790 |
| Noninterest expense to average assets | 1.6912% | 5,576 |
| Loan and lease loss provision to assets | 0.0429% | 3,523 |
| Net operating income to assets | 0.7236% | 3,677 |
| Return on assets (ROA) | 0.8261% | 3,279 |
| Pretax return on assets | 0.8261% | 4,110 |
| Return on Equity (ROE) | 7.5234% | 3,206 |
| Retained earnings to average equity (ytd only) | 5.8689% | 1,781 |
| Net charge-offs to loans | 0.0850% | 2,480 |
| Credit loss provision to net charge-offs | 179.2453% | 1,560 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,375 |
| Efficiency ratio | 68.8121% | 3,104 |
| Assets per employee ($millions) | 7.3939% | 762 |
| Cash dividends to net income (ytd only)* | 21.9912% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 3,856 |
| Loan loss allowance to noncurrent loans | 733.6735% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 5,170 |
| Noncurrent loans to loans | 0.1466% | 4,649 |
| Net loans and leases to total assets | 29.8228% | 5,647 |
| Net loans and leases to deposits | 34.0875% | 5,675 |
| Net loans and leases to core deposits | 37.5013% | 5,647 |
| Total domestic deposits to total assets | 87.4888% | 1,884 |
| Equity capital to assets | 9.7630% | 3,996 |
| Core capital (leverage) ratio | 10.7914% | 2,538 |
| Tier 1 risk-based capital ratio | 27.9023% | 573 |
| Total risk-based capital ratio | 28.7621% | 580 |
| Memoranda: | ||
| Average total assets | $221,267,800 | 2,750 |
| Average earning assets | $212,595,600 | 2,676 |
| Average equity | $24,297,400 | 2,778 |
| Average total loans | $62,334,400 | 4,215 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8585% | 5,687 |
| Cost of funding earning assets | 0.5765% | 1,509 |
| Net interest margin | 2.2820% | 5,784 |
| Noninterest income to average assets | 0.2713% | 4,834 |
| Noninterest expense to average assets | 1.7202% | 5,598 |
| Loan and lease loss provision to assets | 0.0422% | 3,394 |
| Net operating income to assets | 0.7024% | 3,836 |
| Return on assets (ROA) | 0.8393% | 3,320 |
| Pretax return on assets | 0.8393% | 4,191 |
| Return on Equity (ROE) | 7.4364% | 3,334 |
| Retained earnings to average equity (ytd only) | 5.6734% | 2,375 |
| Net charge-offs to loans | 0.1046% | 1,900 |
| Credit loss provision to net charge-offs | 145.8333% | 1,804 |
| Earnings coverage of net charge-offs (x) | 25.7286% | 1,627 |
| Efficiency ratio | 69.7896% | 2,918 |
| Assets per employee ($millions) | 7.0017% | 890 |
| Cash dividends to net income (ytd only)* | 23.7070% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,889 |
| Loan loss allowance to noncurrent loans | 337.6812% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 5,059 |
| Noncurrent loans to loans | 0.3226% | 4,098 |
| Net loans and leases to total assets | 29.2431% | 5,726 |
| Net loans and leases to deposits | 33.3447% | 5,766 |
| Net loans and leases to core deposits | 36.8128% | 5,742 |
| Total domestic deposits to total assets | 87.6993% | 1,556 |
| Equity capital to assets | 12.1321% | 2,016 |
| Core capital (leverage) ratio | 10.7637% | 2,718 |
| Tier 1 risk-based capital ratio | 28.6347% | 542 |
| Total risk-based capital ratio | 29.5063% | 555 |
| Memoranda: | ||
| Average total assets | $221,130,500 | 2,754 |
| Average earning assets | $212,553,000 | 2,683 |
| Average equity | $24,957,750 | 2,743 |
| Average total loans | $61,200,250 | 4,286 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8682% | 5,758 |
| Cost of funding earning assets | 0.5770% | 1,489 |
| Net interest margin | 2.2912% | 5,867 |
| Noninterest income to average assets | 0.2625% | 4,907 |
| Noninterest expense to average assets | 1.6999% | 5,688 |
| Loan and lease loss provision to assets | 0.0270% | 3,588 |
| Net operating income to assets | 0.7380% | 3,615 |
| Return on assets (ROA) | 0.8908% | 3,035 |
| Pretax return on assets | 0.8908% | 3,988 |
| Return on Equity (ROE) | 8.0900% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.2777% | 1,970 |
| Net charge-offs to loans | 0.0664% | 2,243 |
| Credit loss provision to net charge-offs | 150.0000% | 1,584 |
| Earnings coverage of net charge-offs (x) | 42.5500% | 1,115 |
| Efficiency ratio | 68.9643% | 3,157 |
| Assets per employee ($millions) | 7.0616% | 849 |
| Cash dividends to net income (ytd only)* | 22.4016% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,891 |
| Loan loss allowance to noncurrent loans | 437.5796% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 5,258 |
| Noncurrent loans to loans | 0.2538% | 4,443 |
| Net loans and leases to total assets | 27.9421% | 5,823 |
| Net loans and leases to deposits | 31.7255% | 5,858 |
| Net loans and leases to core deposits | 35.6222% | 5,818 |
| Total domestic deposits to total assets | 88.0746% | 1,392 |
| Equity capital to assets | 11.7793% | 2,285 |
| Core capital (leverage) ratio | 10.4527% | 3,021 |
| Tier 1 risk-based capital ratio | 28.0712% | 588 |
| Total risk-based capital ratio | 28.9219% | 601 |
| Memoranda: | ||
| Average total assets | $222,489,670 | 2,754 |
| Average earning assets | $213,861,670 | 2,673 |
| Average equity | $24,499,330 | 2,790 |
| Average total loans | $60,209,670 | 4,341 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 5,807 |
| Cost of funding earning assets | 0.5759% | 1,502 |
| Net interest margin | 2.2981% | 5,931 |
| Noninterest income to average assets | 0.2711% | 4,792 |
| Noninterest expense to average assets | 1.6123% | 5,820 |
| Loan and lease loss provision to assets | 0.0268% | 3,314 |
| Net operating income to assets | 0.8382% | 3,042 |
| Return on assets (ROA) | 0.9667% | 2,538 |
| Pretax return on assets | 0.9667% | 3,588 |
| Return on Equity (ROE) | 9.0879% | 2,385 |
| Retained earnings to average equity (ytd only) | 6.9584% | 1,906 |
| Net charge-offs to loans | 0.0337% | 2,293 |
| Credit loss provision to net charge-offs | 300.0000% | 841 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 551 |
| Efficiency ratio | 65.0828% | 3,960 |
| Assets per employee ($millions) | 7.0311% | 883 |
| Cash dividends to net income (ytd only)* | 23.4317% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 3,841 |
| Loan loss allowance to noncurrent loans | 528.4615% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 5,375 |
| Noncurrent loans to loans | 0.2156% | 4,660 |
| Net loans and leases to total assets | 26.4994% | 5,910 |
| Net loans and leases to deposits | 29.8374% | 5,933 |
| Net loans and leases to core deposits | 33.4315% | 5,902 |
| Total domestic deposits to total assets | 88.8126% | 1,198 |
| Equity capital to assets | 11.0310% | 2,903 |
| Core capital (leverage) ratio | 10.1294% | 3,391 |
| Tier 1 risk-based capital ratio | 27.3285% | 654 |
| Total risk-based capital ratio | 28.1697% | 665 |
| Memoranda: | ||
| Average total assets | $224,279,500 | 2,747 |
| Average earning assets | $215,304,500 | 2,676 |
| Average equity | $23,856,000 | 2,850 |
| Average total loans | $59,387,000 | 4,392 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8338% | 5,858 |
| Cost of funding earning assets | 0.5914% | 1,426 |
| Net interest margin | 2.2425% | 5,975 |
| Noninterest income to average assets | 0.2855% | 4,845 |
| Noninterest expense to average assets | 1.5662% | 5,940 |
| Loan and lease loss provision to assets | 0.0220% | 3,946 |
| Net operating income to assets | 0.8628% | 3,055 |
| Return on assets (ROA) | 0.8606% | 3,134 |
| Pretax return on assets | 0.8606% | 3,986 |
| Return on Equity (ROE) | 8.7973% | 2,564 |
| Retained earnings to average equity (ytd only) | 6.9398% | 1,308 |
| Net charge-offs to loans | 0.0445% | 3,323 |
| Credit loss provision to net charge-offs | 200.0000% | 1,388 |
| Earnings coverage of net charge-offs (x) | 80.4400% | 698 |
| Efficiency ratio | 63.9024% | 4,290 |
| Assets per employee ($millions) | 6.7747% | 973 |
| Cash dividends to net income (ytd only)* | 21.1145% | 3,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 3,715 |
| Loan loss allowance to noncurrent loans | 466.8966% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 5,382 |
| Noncurrent loans to loans | 0.2480% | 4,541 |
| Net loans and leases to total assets | 25.8484% | 5,982 |
| Net loans and leases to deposits | 29.4161% | 6,000 |
| Net loans and leases to core deposits | 31.9509% | 5,987 |
| Total domestic deposits to total assets | 87.8715% | 1,702 |
| Equity capital to assets | 10.2400% | 3,695 |
| Core capital (leverage) ratio | 9.9624% | 3,560 |
| Tier 1 risk-based capital ratio | 27.8489% | 609 |
| Total risk-based capital ratio | 28.7095% | 618 |
| Memoranda: | ||
| Average total assets | $227,295,000 | 2,685 |
| Average earning assets | $219,491,200 | 2,591 |
| Average equity | $22,234,200 | 2,950 |
| Average total loans | $56,121,800 | 4,503 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8066% | 5,953 |
| Cost of funding earning assets | 0.6014% | 1,397 |
| Net interest margin | 2.2052% | 6,074 |
| Noninterest income to average assets | 0.2792% | 4,946 |
| Noninterest expense to average assets | 1.5201% | 6,031 |
| Loan and lease loss provision to assets | 0.0222% | 3,832 |
| Net operating income to assets | 0.8728% | 3,076 |
| Return on assets (ROA) | 0.8728% | 3,158 |
| Pretax return on assets | 0.8728% | 4,079 |
| Return on Equity (ROE) | 9.0258% | 2,562 |
| Retained earnings to average equity (ytd only) | 7.2980% | 1,548 |
| Net charge-offs to loans | 0.0648% | 2,652 |
| Credit loss provision to net charge-offs | 140.7407% | 1,765 |
| Earnings coverage of net charge-offs (x) | 56.7394% | 949 |
| Efficiency ratio | 62.9415% | 4,413 |
| Assets per employee ($millions) | 7.5260% | 680 |
| Cash dividends to net income (ytd only)* | 19.1431% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 3,854 |
| Loan loss allowance to noncurrent loans | 378.8571% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,447 |
| Noncurrent loans to loans | 0.3069% | 4,504 |
| Net loans and leases to total assets | 24.9629% | 6,074 |
| Net loans and leases to deposits | 27.9074% | 6,103 |
| Net loans and leases to core deposits | 30.7503% | 6,085 |
| Total domestic deposits to total assets | 89.4490% | 800 |
| Equity capital to assets | 10.3805% | 3,728 |
| Core capital (leverage) ratio | 9.5877% | 4,186 |
| Tier 1 risk-based capital ratio | 26.9689% | 689 |
| Total risk-based capital ratio | 27.7979% | 706 |
| Memoranda: | ||
| Average total assets | $228,227,500 | 2,699 |
| Average earning assets | $221,048,000 | 2,596 |
| Average equity | $22,069,500 | 2,980 |
| Average total loans | $55,536,000 | 4,553 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7902% | 6,025 |
| Cost of funding earning assets | 0.6107% | 1,340 |
| Net interest margin | 2.1795% | 6,155 |
| Noninterest income to average assets | 0.2681% | 5,036 |
| Noninterest expense to average assets | 1.5290% | 6,098 |
| Loan and lease loss provision to assets | 0.0218% | 3,693 |
| Net operating income to assets | 0.8269% | 3,232 |
| Return on assets (ROA) | 0.8269% | 3,347 |
| Pretax return on assets | 0.8269% | 4,220 |
| Return on Equity (ROE) | 8.7630% | 2,676 |
| Retained earnings to average equity (ytd only) | 7.2639% | 1,585 |
| Net charge-offs to loans | 0.0654% | 2,443 |
| Credit loss provision to net charge-offs | 138.8889% | 1,617 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 904 |
| Efficiency ratio | 64.3041% | 4,307 |
| Assets per employee ($millions) | 7.5104% | 668 |
| Cash dividends to net income (ytd only)* | 17.1067% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,928 |
| Loan loss allowance to noncurrent loans | 998.4848% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,769 |
| Noncurrent loans to loans | 0.1179% | 5,288 |
| Net loans and leases to total assets | 23.7624% | 6,164 |
| Net loans and leases to deposits | 26.2373% | 6,195 |
| Net loans and leases to core deposits | 29.6766% | 6,161 |
| Total domestic deposits to total assets | 90.5670% | 427 |
| Equity capital to assets | 9.2818% | 4,920 |
| Core capital (leverage) ratio | 9.1978% | 4,696 |
| Tier 1 risk-based capital ratio | 26.2122% | 758 |
| Total risk-based capital ratio | 27.0289% | 782 |
| Memoranda: | ||
| Average total assets | $229,043,670 | 2,708 |
| Average earning assets | $221,705,000 | 2,609 |
| Average equity | $21,613,670 | 3,039 |
| Average total loans | $55,040,000 | 4,611 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8164% | 6,060 |
| Cost of funding earning assets | 0.6109% | 1,359 |
| Net interest margin | 2.2055% | 6,205 |
| Noninterest income to average assets | 0.2641% | 5,064 |
| Noninterest expense to average assets | 1.4950% | 6,181 |
| Loan and lease loss provision to assets | 0.0229% | 3,412 |
| Net operating income to assets | 0.8822% | 2,834 |
| Return on assets (ROA) | 0.8822% | 2,960 |
| Pretax return on assets | 0.8822% | 3,954 |
| Return on Equity (ROE) | 9.2711% | 2,327 |
| Retained earnings to average equity (ytd only) | 7.2170% | 1,911 |
| Net charge-offs to loans | 0.1026% | 1,706 |
| Credit loss provision to net charge-offs | 92.8571% | 1,724 |
| Earnings coverage of net charge-offs (x) | 36.7143% | 1,031 |
| Efficiency ratio | 62.2891% | 4,755 |
| Assets per employee ($millions) | 7.0081% | 850 |
| Cash dividends to net income (ytd only)* | 22.1557% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 4,058 |
| Loan loss allowance to noncurrent loans | 1,669.2308% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,881 |
| Noncurrent loans to loans | 0.0710% | 5,487 |
| Net loans and leases to total assets | 23.4762% | 6,225 |
| Net loans and leases to deposits | 26.0200% | 6,249 |
| Net loans and leases to core deposits | 29.8484% | 6,215 |
| Total domestic deposits to total assets | 90.2239% | 639 |
| Equity capital to assets | 9.6252% | 4,600 |
| Core capital (leverage) ratio | 9.1893% | 4,737 |
| Tier 1 risk-based capital ratio | 25.8681% | 801 |
| Total risk-based capital ratio | 26.6793% | 825 |
| Memoranda: | ||
| Average total assets | $227,154,500 | 2,744 |
| Average earning assets | $219,996,500 | 2,642 |
| Average equity | $21,615,500 | 3,058 |
| Average total loans | $54,568,500 | 4,649 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9229% | 6,114 |
| Cost of funding earning assets | 0.6416% | 1,459 |
| Net interest margin | 2.2813% | 6,278 |
| Noninterest income to average assets | 0.3024% | 4,949 |
| Noninterest expense to average assets | 1.5320% | 6,279 |
| Loan and lease loss provision to assets | 0.0114% | 4,401 |
| Net operating income to assets | 0.9708% | 2,525 |
| Return on assets (ROA) | 0.9685% | 2,624 |
| Pretax return on assets | 0.9685% | 3,618 |
| Return on Equity (ROE) | 11.4075% | 1,590 |
| Retained earnings to average equity (ytd only) | 5.6583% | 2,163 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9355% | 5,082 |
| Assets per employee ($millions) | 6.9700% | 858 |
| Cash dividends to net income (ytd only)* | 50.3985% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 3,979 |
| Loan loss allowance to noncurrent loans | 576.9912% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 5,820 |
| Noncurrent loans to loans | 0.2085% | 5,070 |
| Net loans and leases to total assets | 24.0050% | 6,313 |
| Net loans and leases to deposits | 26.5935% | 6,336 |
| Net loans and leases to core deposits | 29.1128% | 6,321 |
| Total domestic deposits to total assets | 90.2664% | 622 |
| Equity capital to assets | 9.4023% | 4,840 |
| Core capital (leverage) ratio | 9.3683% | 4,442 |
| Tier 1 risk-based capital ratio | 26.3140% | 737 |
| Total risk-based capital ratio | 27.1560% | 753 |
| Memoranda: | ||
| Average total assets | $220,235,000 | 2,779 |
| Average earning assets | $213,518,800 | 2,673 |
| Average equity | $18,698,200 | 3,327 |
| Average total loans | $50,190,800 | 4,814 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9382% | 6,173 |
| Cost of funding earning assets | 0.6578% | 1,407 |
| Net interest margin | 2.2804% | 6,346 |
| Noninterest income to average assets | 0.3049% | 5,004 |
| Noninterest expense to average assets | 1.5153% | 6,345 |
| Loan and lease loss provision to assets | 0.0061% | 4,295 |
| Net operating income to assets | 0.9942% | 2,473 |
| Return on assets (ROA) | 0.9918% | 2,549 |
| Pretax return on assets | 0.9918% | 3,625 |
| Return on Equity (ROE) | 12.0093% | 1,476 |
| Retained earnings to average equity (ytd only) | 5.5671% | 2,690 |
| Net charge-offs to loans | 0.0027% | 4,613 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 1,651.0902% | 31 |
| Efficiency ratio | 60.2366% | 5,145 |
| Assets per employee ($millions) | 6.7001% | 916 |
| Cash dividends to net income (ytd only)* | 53.6435% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 3,844 |
| Loan loss allowance to noncurrent loans | 429.7297% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 5,885 |
| Noncurrent loans to loans | 0.2946% | 5,022 |
| Net loans and leases to total assets | 22.4374% | 6,413 |
| Net loans and leases to deposits | 25.0168% | 6,436 |
| Net loans and leases to core deposits | 27.6331% | 6,414 |
| Total domestic deposits to total assets | 89.6895% | 881 |
| Equity capital to assets | 8.7692% | 5,576 |
| Core capital (leverage) ratio | 9.2938% | 4,646 |
| Tier 1 risk-based capital ratio | 27.0971% | 701 |
| Total risk-based capital ratio | 27.9557% | 710 |
| Memoranda: | ||
| Average total assets | $219,533,500 | 2,810 |
| Average earning assets | $212,824,500 | 2,703 |
| Average equity | $18,130,000 | 3,401 |
| Average total loans | $49,190,250 | 4,892 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9476% | 6,221 |
| Cost of funding earning assets | 0.6739% | 1,347 |
| Net interest margin | 2.2738% | 6,425 |
| Noninterest income to average assets | 0.2968% | 5,038 |
| Noninterest expense to average assets | 1.5205% | 6,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9826% | 2,395 |
| Return on assets (ROA) | 0.9790% | 2,493 |
| Pretax return on assets | 0.9790% | 3,563 |
| Return on Equity (ROE) | 12.1059% | 1,388 |
| Retained earnings to average equity (ytd only) | 3.7492% | 3,805 |
| Net charge-offs to loans | -0.0123% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7443% | 5,186 |
| Assets per employee ($millions) | 7.1575% | 743 |
| Cash dividends to net income (ytd only)* | 69.0299% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,095 |
| Loan loss allowance to noncurrent loans | 348.0663% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 5,927 |
| Noncurrent loans to loans | 0.3617% | 4,909 |
| Net loans and leases to total assets | 22.2721% | 6,480 |
| Net loans and leases to deposits | 24.4397% | 6,511 |
| Net loans and leases to core deposits | 28.1336% | 6,469 |
| Total domestic deposits to total assets | 91.1309% | 370 |
| Equity capital to assets | 8.7050% | 5,610 |
| Core capital (leverage) ratio | 8.9359% | 5,107 |
| Tier 1 risk-based capital ratio | 26.4167% | 741 |
| Total risk-based capital ratio | 27.2636% | 758 |
| Memoranda: | ||
| Average total assets | $219,010,000 | 2,822 |
| Average earning assets | $212,509,330 | 2,712 |
| Average equity | $17,710,330 | 3,451 |
| Average total loans | $48,838,330 | 4,937 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9427% | 6,293 |
| Cost of funding earning assets | 0.6708% | 1,435 |
| Net interest margin | 2.2719% | 6,491 |
| Noninterest income to average assets | 0.2978% | 4,974 |
| Noninterest expense to average assets | 1.4763% | 6,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0259% | 2,101 |
| Return on assets (ROA) | 1.0259% | 2,173 |
| Pretax return on assets | 1.0259% | 3,228 |
| Return on Equity (ROE) | 13.2009% | 1,109 |
| Retained earnings to average equity (ytd only) | 10.0781% | 941 |
| Net charge-offs to loans | -0.0083% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0007% | 5,541 |
| Assets per employee ($millions) | 7.2458% | 706 |
| Cash dividends to net income (ytd only)* | 23.6559% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,182 |
| Loan loss allowance to noncurrent loans | 171.1172% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,745 |
| Noncurrent loans to loans | 0.7532% | 3,982 |
| Net loans and leases to total assets | 21.4131% | 6,553 |
| Net loans and leases to deposits | 23.3312% | 6,584 |
| Net loans and leases to core deposits | 27.3194% | 6,535 |
| Total domestic deposits to total assets | 91.7786% | 305 |
| Equity capital to assets | 8.0572% | 6,015 |
| Core capital (leverage) ratio | 9.2284% | 4,675 |
| Tier 1 risk-based capital ratio | 26.2879% | 764 |
| Total risk-based capital ratio | 27.1241% | 782 |
| Memoranda: | ||
| Average total assets | $217,573,500 | 2,856 |
| Average earning assets | $211,100,500 | 2,739 |
| Average equity | $16,908,000 | 3,562 |
| Average total loans | $48,233,500 | 4,997 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9551% | 6,385 |
| Cost of funding earning assets | 0.7045% | 1,781 |
| Net interest margin | 2.2506% | 6,553 |
| Noninterest income to average assets | 0.3097% | 5,118 |
| Noninterest expense to average assets | 1.4992% | 6,575 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9935% | 2,355 |
| Return on assets (ROA) | 1.0888% | 2,040 |
| Pretax return on assets | 1.0888% | 2,989 |
| Return on Equity (ROE) | 12.9598% | 1,175 |
| Retained earnings to average equity (ytd only) | 9.8760% | 584 |
| Net charge-offs to loans | 0.0315% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 154.2143% | 298 |
| Efficiency ratio | 60.1440% | 5,448 |
| Assets per employee ($millions) | 7.0176% | 757 |
| Cash dividends to net income (ytd only)* | 23.7954% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,076 |
| Loan loss allowance to noncurrent loans | 142.8246% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 5,670 |
| Noncurrent loans to loans | 0.9195% | 3,688 |
| Net loans and leases to total assets | 22.3791% | 6,628 |
| Net loans and leases to deposits | 24.2618% | 6,662 |
| Net loans and leases to core deposits | 27.2255% | 6,637 |
| Total domestic deposits to total assets | 92.2400% | 245 |
| Equity capital to assets | 7.4660% | 6,302 |
| Core capital (leverage) ratio | 9.3083% | 4,535 |
| Tier 1 risk-based capital ratio | 27.1713% | 664 |
| Total risk-based capital ratio | 28.0529% | 682 |
| Memoranda: | ||
| Average total assets | $217,308,800 | 2,834 |
| Average earning assets | $210,789,000 | 2,714 |
| Average equity | $18,256,400 | 3,378 |
| Average total loans | $44,439,200 | 5,169 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 6,467 |
| Cost of funding earning assets | 0.7203% | 1,807 |
| Net interest margin | 2.2279% | 6,629 |
| Noninterest income to average assets | 0.3050% | 5,263 |
| Noninterest expense to average assets | 1.4885% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9783% | 2,474 |
| Return on assets (ROA) | 1.1068% | 2,054 |
| Pretax return on assets | 1.1068% | 3,088 |
| Return on Equity (ROE) | 12.8312% | 1,280 |
| Retained earnings to average equity (ytd only) | 9.9445% | 800 |
| Net charge-offs to loans | 0.0489% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 100.4505% | 497 |
| Efficiency ratio | 60.3406% | 5,383 |
| Assets per employee ($millions) | 6.7966% | 819 |
| Cash dividends to net income (ytd only)* | 22.4973% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,054 |
| Loan loss allowance to noncurrent loans | 353.1073% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 6,184 |
| Noncurrent loans to loans | 0.3865% | 5,231 |
| Net loans and leases to total assets | 21.4387% | 6,728 |
| Net loans and leases to deposits | 23.1931% | 6,765 |
| Net loans and leases to core deposits | 26.2816% | 6,737 |
| Total domestic deposits to total assets | 92.4355% | 189 |
| Equity capital to assets | 7.3737% | 6,435 |
| Core capital (leverage) ratio | 9.0028% | 5,127 |
| Tier 1 risk-based capital ratio | 26.9063% | 713 |
| Total risk-based capital ratio | 27.7944% | 730 |
| Memoranda: | ||
| Average total assets | $219,004,250 | 2,840 |
| Average earning assets | $212,507,250 | 2,712 |
| Average equity | $18,891,000 | 3,324 |
| Average total loans | $43,613,750 | 5,254 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9124% | 6,522 |
| Cost of funding earning assets | 0.7295% | 1,844 |
| Net interest margin | 2.1829% | 6,691 |
| Noninterest income to average assets | 0.2859% | 5,407 |
| Noninterest expense to average assets | 1.4456% | 6,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9586% | 2,519 |
| Return on assets (ROA) | 1.1516% | 1,851 |
| Pretax return on assets | 1.1516% | 2,878 |
| Return on Equity (ROE) | 12.7640% | 1,299 |
| Retained earnings to average equity (ytd only) | 9.9654% | 852 |
| Net charge-offs to loans | 0.0513% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 96.6364% | 482 |
| Efficiency ratio | 60.1275% | 5,471 |
| Assets per employee ($millions) | 7.2914% | 629 |
| Cash dividends to net income (ytd only)* | 21.9264% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 3,839 |
| Loan loss allowance to noncurrent loans | 379.5181% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 6,272 |
| Noncurrent loans to loans | 0.3801% | 5,329 |
| Net loans and leases to total assets | 19.6775% | 6,798 |
| Net loans and leases to deposits | 21.3468% | 6,825 |
| Net loans and leases to core deposits | 24.4507% | 6,806 |
| Total domestic deposits to total assets | 92.1803% | 222 |
| Equity capital to assets | 7.6565% | 6,389 |
| Core capital (leverage) ratio | 8.4440% | 5,730 |
| Tier 1 risk-based capital ratio | 26.4327% | 734 |
| Total risk-based capital ratio | 27.3283% | 750 |
| Memoranda: | ||
| Average total assets | $221,774,330 | 2,820 |
| Average earning assets | $215,218,000 | 2,687 |
| Average equity | $20,009,330 | 3,205 |
| Average total loans | $42,886,670 | 5,308 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 6,598 |
| Cost of funding earning assets | 0.7233% | 2,038 |
| Net interest margin | 2.1903% | 6,762 |
| Noninterest income to average assets | 0.2866% | 5,410 |
| Noninterest expense to average assets | 1.4134% | 6,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9996% | 2,223 |
| Return on assets (ROA) | 1.0193% | 2,266 |
| Pretax return on assets | 1.0193% | 3,266 |
| Return on Equity (ROE) | 10.5176% | 1,866 |
| Retained earnings to average equity (ytd only) | 7.8558% | 1,799 |
| Net charge-offs to loans | 0.0188% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 279.0000% | 133 |
| Efficiency ratio | 58.5746% | 5,770 |
| Assets per employee ($millions) | 7.2272% | 702 |
| Cash dividends to net income (ytd only)* | 25.3076% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,854 |
| Loan loss allowance to noncurrent loans | 194.8171% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 6,133 |
| Noncurrent loans to loans | 0.7671% | 4,593 |
| Net loans and leases to total assets | 18.8008% | 6,879 |
| Net loans and leases to deposits | 20.8000% | 6,898 |
| Net loans and leases to core deposits | 24.6840% | 6,855 |
| Total domestic deposits to total assets | 90.3885% | 825 |
| Equity capital to assets | 9.4504% | 4,923 |
| Core capital (leverage) ratio | 8.1265% | 6,021 |
| Tier 1 risk-based capital ratio | 25.3565% | 851 |
| Total risk-based capital ratio | 26.2563% | 875 |
| Memoranda: | ||
| Average total assets | $223,290,500 | 2,840 |
| Average earning assets | $216,777,000 | 2,702 |
| Average equity | $21,640,000 | 3,067 |
| Average total loans | $42,493,500 | 5,355 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 6,659 |
| Cost of funding earning assets | 0.8109% | 2,579 |
| Net interest margin | 2.3918% | 6,784 |
| Noninterest income to average assets | 0.3174% | 5,187 |
| Noninterest expense to average assets | 1.4458% | 6,896 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1557% | 1,752 |
| Return on assets (ROA) | 1.3589% | 1,306 |
| Pretax return on assets | 1.3589% | 2,180 |
| Return on Equity (ROE) | 13.5657% | 1,088 |
| Retained earnings to average equity (ytd only) | 9.1862% | 766 |
| Net charge-offs to loans | 0.0070% | 5,855 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 819.3333% | 43 |
| Efficiency ratio | 55.5756% | 6,111 |
| Assets per employee ($millions) | 7.1786% | 718 |
| Cash dividends to net income (ytd only)* | 32.2837% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,669 |
| Loan loss allowance to noncurrent loans | 398.1366% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 6,426 |
| Noncurrent loans to loans | 0.3813% | 5,545 |
| Net loans and leases to total assets | 18.6868% | 6,947 |
| Net loans and leases to deposits | 20.8122% | 6,967 |
| Net loans and leases to core deposits | 23.4824% | 6,940 |
| Total domestic deposits to total assets | 89.7878% | 1,076 |
| Equity capital to assets | 9.9341% | 4,261 |
| Core capital (leverage) ratio | 8.3691% | 5,801 |
| Tier 1 risk-based capital ratio | 25.4412% | 807 |
| Total risk-based capital ratio | 26.3683% | 827 |
| Memoranda: | ||
| Average total assets | $212,679,400 | 2,900 |
| Average earning assets | $203,108,000 | 2,816 |
| Average equity | $21,303,800 | 3,066 |
| Average total loans | $42,856,800 | 5,389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 6,705 |
| Cost of funding earning assets | 0.8524% | 2,518 |
| Net interest margin | 2.4771% | 6,837 |
| Noninterest income to average assets | 0.3082% | 5,316 |
| Noninterest expense to average assets | 1.4214% | 6,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2425% | 1,597 |
| Return on assets (ROA) | 1.4569% | 1,229 |
| Pretax return on assets | 1.4569% | 2,049 |
| Return on Equity (ROE) | 14.5126% | 998 |
| Retained earnings to average equity (ytd only) | 10.4185% | 806 |
| Net charge-offs to loans | 0.0093% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 652.9825% | 63 |
| Efficiency ratio | 53.3571% | 6,314 |
| Assets per employee ($millions) | 6.8140% | 807 |
| Cash dividends to net income (ytd only)* | 28.2108% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,911 |
| Loan loss allowance to noncurrent loans | 325.3807% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 6,501 |
| Noncurrent loans to loans | 0.4639% | 5,522 |
| Net loans and leases to total assets | 19.7995% | 7,029 |
| Net loans and leases to deposits | 22.2373% | 7,055 |
| Net loans and leases to core deposits | 25.1855% | 7,026 |
| Total domestic deposits to total assets | 89.0372% | 1,405 |
| Equity capital to assets | 10.7876% | 3,518 |
| Core capital (leverage) ratio | 8.3103% | 5,992 |
| Tier 1 risk-based capital ratio | 25.8623% | 836 |
| Total risk-based capital ratio | 26.8213% | 847 |
| Memoranda: | ||
| Average total assets | $210,215,000 | 2,954 |
| Average earning assets | $199,905,250 | 2,864 |
| Average equity | $21,103,000 | 3,111 |
| Average total loans | $43,014,500 | 5,442 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4171% | 6,712 |
| Cost of funding earning assets | 0.8721% | 2,645 |
| Net interest margin | 2.5450% | 6,854 |
| Noninterest income to average assets | 0.3030% | 5,385 |
| Noninterest expense to average assets | 1.5266% | 6,988 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1959% | 1,732 |
| Return on assets (ROA) | 1.2322% | 1,794 |
| Pretax return on assets | 1.2322% | 2,796 |
| Return on Equity (ROE) | 12.5890% | 1,476 |
| Retained earnings to average equity (ytd only) | 8.8308% | 1,331 |
| Net charge-offs to loans | 0.0093% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 627.5000% | 56 |
| Efficiency ratio | 56.0728% | 6,109 |
| Assets per employee ($millions) | 6.8320% | 798 |
| Cash dividends to net income (ytd only)* | 29.8531% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 4,030 |
| Loan loss allowance to noncurrent loans | 364.7727% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 6,604 |
| Noncurrent loans to loans | 0.4098% | 5,716 |
| Net loans and leases to total assets | 19.9768% | 7,083 |
| Net loans and leases to deposits | 22.2631% | 7,108 |
| Net loans and leases to core deposits | 26.0769% | 7,081 |
| Total domestic deposits to total assets | 89.7304% | 1,089 |
| Equity capital to assets | 10.1161% | 4,167 |
| Core capital (leverage) ratio | 7.8698% | 6,395 |
| Tier 1 risk-based capital ratio | 24.5406% | 952 |
| Total risk-based capital ratio | 25.4922% | 972 |
| Memoranda: | ||
| Average total assets | $209,875,670 | 2,968 |
| Average earning assets | $199,527,000 | 2,875 |
| Average equity | $20,541,670 | 3,160 |
| Average total loans | $43,198,000 | 5,463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4591% | 6,747 |
| Cost of funding earning assets | 0.8875% | 2,779 |
| Net interest margin | 2.5717% | 6,893 |
| Noninterest income to average assets | 0.2719% | 5,698 |
| Noninterest expense to average assets | 1.4800% | 7,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2330% | 1,649 |
| Return on assets (ROA) | 1.2330% | 1,828 |
| Pretax return on assets | 1.2330% | 2,792 |
| Return on Equity (ROE) | 12.8159% | 1,457 |
| Retained earnings to average equity (ytd only) | 8.2985% | 1,860 |
| Net charge-offs to loans | -0.0092% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5519% | 6,288 |
| Assets per employee ($millions) | 7.6738% | 562 |
| Cash dividends to net income (ytd only)* | 35.2484% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4962% | 4,176 |
| Loan loss allowance to noncurrent loans | 341.2698% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 6,665 |
| Noncurrent loans to loans | 0.4384% | 5,791 |
| Net loans and leases to total assets | 19.7625% | 7,147 |
| Net loans and leases to deposits | 21.8671% | 7,171 |
| Net loans and leases to core deposits | 25.8369% | 7,132 |
| Total domestic deposits to total assets | 90.3759% | 882 |
| Equity capital to assets | 9.4110% | 4,939 |
| Core capital (leverage) ratio | 7.7485% | 6,449 |
| Tier 1 risk-based capital ratio | 23.6197% | 1,053 |
| Total risk-based capital ratio | 24.5673% | 1,071 |
| Memoranda: | ||
| Average total assets | $208,918,000 | 3,001 |
| Average earning assets | $198,316,000 | 2,916 |
| Average equity | $20,100,000 | 3,215 |
| Average total loans | $43,321,500 | 5,492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 6,738 |
| Cost of funding earning assets | 0.9429% | 3,767 |
| Net interest margin | 2.8495% | 6,761 |
| Noninterest income to average assets | 0.3479% | 5,024 |
| Noninterest expense to average assets | 1.6289% | 7,098 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4221% | 985 |
| Return on assets (ROA) | 1.5014% | 896 |
| Pretax return on assets | 1.5014% | 1,466 |
| Return on Equity (ROE) | 16.3061% | 563 |
| Retained earnings to average equity (ytd only) | 10.5692% | 464 |
| Net charge-offs to loans | 0.0295% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 215.3846% | 157 |
| Efficiency ratio | 53.3877% | 6,571 |
| Assets per employee ($millions) | 6.7657% | 833 |
| Cash dividends to net income (ytd only)* | 35.1827% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,115 |
| Loan loss allowance to noncurrent loans | 318.8119% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 6,706 |
| Noncurrent loans to loans | 0.4640% | 5,784 |
| Net loans and leases to total assets | 21.1317% | 7,194 |
| Net loans and leases to deposits | 23.5477% | 7,216 |
| Net loans and leases to core deposits | 26.6559% | 7,191 |
| Total domestic deposits to total assets | 89.7399% | 1,137 |
| Equity capital to assets | 9.8433% | 4,379 |
| Core capital (leverage) ratio | 7.8275% | 6,419 |
| Tier 1 risk-based capital ratio | 23.6789% | 1,000 |
| Total risk-based capital ratio | 24.6523% | 1,028 |
| Memoranda: | ||
| Average total assets | $196,885,400 | 3,090 |
| Average earning assets | $186,770,600 | 3,005 |
| Average equity | $18,128,200 | 3,408 |
| Average total loans | $44,119,200 | 5,512 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 6,753 |
| Cost of funding earning assets | 0.9562% | 3,993 |
| Net interest margin | 2.9248% | 6,718 |
| Noninterest income to average assets | 0.3399% | 5,140 |
| Noninterest expense to average assets | 1.6297% | 7,157 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4885% | 961 |
| Return on assets (ROA) | 1.5110% | 991 |
| Pretax return on assets | 1.5110% | 1,618 |
| Return on Equity (ROE) | 16.7101% | 599 |
| Retained earnings to average equity (ytd only) | 11.4872% | 556 |
| Net charge-offs to loans | -0.0060% | 6,730 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2653% | 6,653 |
| Assets per employee ($millions) | 6.5849% | 907 |
| Cash dividends to net income (ytd only)* | 31.2555% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 4,163 |
| Loan loss allowance to noncurrent loans | 289.0351% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 6,617 |
| Noncurrent loans to loans | 0.5146% | 5,820 |
| Net loans and leases to total assets | 21.3798% | 7,266 |
| Net loans and leases to deposits | 23.8355% | 7,293 |
| Net loans and leases to core deposits | 27.1883% | 7,264 |
| Total domestic deposits to total assets | 89.6974% | 1,043 |
| Equity capital to assets | 10.1028% | 4,204 |
| Core capital (leverage) ratio | 7.8263% | 6,540 |
| Tier 1 risk-based capital ratio | 22.6465% | 1,195 |
| Total risk-based capital ratio | 23.6229% | 1,208 |
| Memoranda: | ||
| Average total assets | $195,364,250 | 3,125 |
| Average earning assets | $185,582,000 | 3,031 |
| Average equity | $17,665,500 | 3,475 |
| Average total loans | $44,265,250 | 5,547 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 6,708 |
| Cost of funding earning assets | 0.9912% | 4,006 |
| Net interest margin | 2.9803% | 6,646 |
| Noninterest income to average assets | 0.3357% | 5,204 |
| Noninterest expense to average assets | 1.5859% | 7,259 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5776% | 762 |
| Return on assets (ROA) | 1.5776% | 806 |
| Pretax return on assets | 1.5776% | 1,300 |
| Return on Equity (ROE) | 18.2018% | 453 |
| Retained earnings to average equity (ytd only) | 12.8780% | 402 |
| Net charge-offs to loans | -0.0226% | 6,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1314% | 6,931 |
| Assets per employee ($millions) | 6.3398% | 1,003 |
| Cash dividends to net income (ytd only)* | 29.2490% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 4,101 |
| Loan loss allowance to noncurrent loans | 130.8300% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 6,484 |
| Noncurrent loans to loans | 1.1523% | 4,736 |
| Net loans and leases to total assets | 22.0073% | 7,347 |
| Net loans and leases to deposits | 24.4907% | 7,366 |
| Net loans and leases to core deposits | 28.4468% | 7,338 |
| Total domestic deposits to total assets | 89.8598% | 1,038 |
| Equity capital to assets | 9.1938% | 5,288 |
| Core capital (leverage) ratio | 7.7164% | 6,572 |
| Tier 1 risk-based capital ratio | 22.5353% | 1,189 |
| Total risk-based capital ratio | 23.5401% | 1,186 |
| Memoranda: | ||
| Average total assets | $192,441,670 | 3,192 |
| Average earning assets | $182,598,330 | 3,094 |
| Average equity | $16,679,670 | 3,625 |
| Average total loans | $44,253,000 | 5,601 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 6,745 |
| Cost of funding earning assets | 1.0229% | 4,045 |
| Net interest margin | 2.9464% | 6,681 |
| Noninterest income to average assets | 0.3235% | 5,337 |
| Noninterest expense to average assets | 1.5904% | 7,312 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5168% | 845 |
| Return on assets (ROA) | 1.5168% | 885 |
| Pretax return on assets | 1.5168% | 1,397 |
| Return on Equity (ROE) | 18.0669% | 478 |
| Retained earnings to average equity (ytd only) | 11.5108% | 809 |
| Net charge-offs to loans | -0.0450% | 6,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1832% | 6,907 |
| Assets per employee ($millions) | 6.2481% | 1,049 |
| Cash dividends to net income (ytd only)* | 36.2881% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 4,176 |
| Loan loss allowance to noncurrent loans | 189.6848% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 6,656 |
| Noncurrent loans to loans | 0.7944% | 5,445 |
| Net loans and leases to total assets | 22.3398% | 7,402 |
| Net loans and leases to deposits | 24.4252% | 7,432 |
| Net loans and leases to core deposits | 29.0832% | 7,386 |
| Total domestic deposits to total assets | 91.4621% | 426 |
| Equity capital to assets | 8.2699% | 6,198 |
| Core capital (leverage) ratio | 7.5996% | 6,652 |
| Tier 1 risk-based capital ratio | 21.7233% | 1,277 |
| Total risk-based capital ratio | 22.7330% | 1,290 |
| Memoranda: | ||
| Average total assets | $190,395,000 | 3,243 |
| Average earning assets | $179,880,000 | 3,147 |
| Average equity | $15,985,000 | 3,731 |
| Average total loans | $44,422,500 | 5,637 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 6,844 |
| Cost of funding earning assets | 1.2001% | 4,563 |
| Net interest margin | 3.0625% | 6,614 |
| Noninterest income to average assets | 0.3832% | 5,036 |
| Noninterest expense to average assets | 1.8081% | 7,252 |
| Loan and lease loss provision to assets | 0.0434% | 6,730 |
| Net operating income to assets | 1.4363% | 878 |
| Return on assets (ROA) | 1.4960% | 828 |
| Pretax return on assets | 1.4960% | 1,382 |
| Return on Equity (ROE) | 17.5754% | 418 |
| Retained earnings to average equity (ytd only) | 11.4534% | 334 |
| Net charge-offs to loans | 0.0650% | 6,143 |
| Credit loss provision to net charge-offs | 266.6667% | 1,043 |
| Earnings coverage of net charge-offs (x) | 90.8667% | 269 |
| Efficiency ratio | 54.9942% | 6,713 |
| Assets per employee ($millions) | 6.0355% | 1,185 |
| Cash dividends to net income (ytd only)* | 34.8331% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 4,220 |
| Loan loss allowance to noncurrent loans | 166.7513% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 6,703 |
| Noncurrent loans to loans | 0.8773% | 5,312 |
| Net loans and leases to total assets | 23.6537% | 7,477 |
| Net loans and leases to deposits | 25.9875% | 7,513 |
| Net loans and leases to core deposits | 29.5570% | 7,478 |
| Total domestic deposits to total assets | 91.0192% | 592 |
| Equity capital to assets | 8.5259% | 5,818 |
| Core capital (leverage) ratio | 7.4474% | 6,747 |
| Tier 1 risk-based capital ratio | 21.1707% | 1,290 |
| Total risk-based capital ratio | 22.1794% | 1,304 |
| Memoranda: | ||
| Average total assets | $184,224,000 | 3,307 |
| Average earning assets | $174,728,200 | 3,191 |
| Average equity | $15,681,000 | 3,821 |
| Average total loans | $46,119,400 | 5,636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 6,859 |
| Cost of funding earning assets | 1.2504% | 4,571 |
| Net interest margin | 3.1210% | 6,561 |
| Noninterest income to average assets | 0.3815% | 5,105 |
| Noninterest expense to average assets | 1.7961% | 7,329 |
| Loan and lease loss provision to assets | 0.0436% | 6,654 |
| Net operating income to assets | 1.5033% | 920 |
| Return on assets (ROA) | 1.5033% | 1,000 |
| Pretax return on assets | 1.5033% | 1,611 |
| Return on Equity (ROE) | 17.6683% | 506 |
| Retained earnings to average equity (ytd only) | 12.0493% | 453 |
| Net charge-offs to loans | 0.0402% | 6,148 |
| Credit loss provision to net charge-offs | 428.5714% | 706 |
| Earnings coverage of net charge-offs (x) | 152.0407% | 210 |
| Efficiency ratio | 53.7275% | 6,810 |
| Assets per employee ($millions) | 6.0160% | 1,227 |
| Cash dividends to net income (ytd only)* | 31.8027% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,294 |
| Loan loss allowance to noncurrent loans | 158.1114% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,808 |
| Noncurrent loans to loans | 0.9068% | 5,433 |
| Net loans and leases to total assets | 24.0712% | 7,564 |
| Net loans and leases to deposits | 26.5762% | 7,612 |
| Net loans and leases to core deposits | 30.3333% | 7,577 |
| Total domestic deposits to total assets | 90.5741% | 609 |
| Equity capital to assets | 9.1846% | 5,332 |
| Core capital (leverage) ratio | 7.2995% | 7,006 |
| Tier 1 risk-based capital ratio | 20.7832% | 1,399 |
| Total risk-based capital ratio | 21.7953% | 1,419 |
| Memoranda: | ||
| Average total assets | $183,505,000 | 3,367 |
| Average earning assets | $174,127,250 | 3,250 |
| Average equity | $15,613,250 | 3,874 |
| Average total loans | $46,421,000 | 5,710 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 6,801 |
| Cost of funding earning assets | 1.2789% | 4,657 |
| Net interest margin | 3.1719% | 6,399 |
| Noninterest income to average assets | 0.3901% | 4,991 |
| Noninterest expense to average assets | 1.7775% | 7,413 |
| Loan and lease loss provision to assets | 0.0438% | 6,536 |
| Net operating income to assets | 1.5857% | 748 |
| Return on assets (ROA) | 1.5857% | 804 |
| Pretax return on assets | 1.5857% | 1,340 |
| Return on Equity (ROE) | 19.1554% | 377 |
| Retained earnings to average equity (ytd only) | 13.4895% | 342 |
| Net charge-offs to loans | 0.0471% | 5,726 |
| Credit loss provision to net charge-offs | 363.6364% | 1,002 |
| Earnings coverage of net charge-offs (x) | 135.1818% | 250 |
| Efficiency ratio | 52.1711% | 7,047 |
| Assets per employee ($millions) | 6.0443% | 1,196 |
| Cash dividends to net income (ytd only)* | 29.5784% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 4,536 |
| Loan loss allowance to noncurrent loans | 124.4618% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 6,726 |
| Noncurrent loans to loans | 1.1073% | 5,109 |
| Net loans and leases to total assets | 24.2895% | 7,636 |
| Net loans and leases to deposits | 26.6656% | 7,681 |
| Net loans and leases to core deposits | 31.5084% | 7,636 |
| Total domestic deposits to total assets | 91.0894% | 449 |
| Equity capital to assets | 8.6912% | 5,896 |
| Core capital (leverage) ratio | 7.0402% | 7,162 |
| Tier 1 risk-based capital ratio | 20.6014% | 1,408 |
| Total risk-based capital ratio | 21.6079% | 1,422 |
| Memoranda: | ||
| Average total assets | $182,507,670 | 3,407 |
| Average earning assets | $173,586,330 | 3,281 |
| Average equity | $15,108,000 | 3,971 |
| Average total loans | $46,713,000 | 5,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 6,789 |
| Cost of funding earning assets | 1.2995% | 4,816 |
| Net interest margin | 3.2008% | 6,291 |
| Noninterest income to average assets | 0.4198% | 4,735 |
| Noninterest expense to average assets | 1.7393% | 7,535 |
| Loan and lease loss provision to assets | 0.0444% | 6,230 |
| Net operating income to assets | 1.6726% | 652 |
| Return on assets (ROA) | 1.6726% | 701 |
| Pretax return on assets | 1.6726% | 1,111 |
| Return on Equity (ROE) | 20.7445% | 340 |
| Retained earnings to average equity (ytd only) | 13.3613% | 577 |
| Net charge-offs to loans | 0.1192% | 4,263 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 55.2143% | 527 |
| Efficiency ratio | 50.3213% | 7,292 |
| Assets per employee ($millions) | 6.0071% | 1,250 |
| Cash dividends to net income (ytd only)* | 35.5910% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,828 |
| Loan loss allowance to noncurrent loans | 324.3386% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 7,232 |
| Noncurrent loans to loans | 0.4069% | 6,477 |
| Net loans and leases to total assets | 24.6143% | 7,722 |
| Net loans and leases to deposits | 26.8584% | 7,769 |
| Net loans and leases to core deposits | 32.3135% | 7,712 |
| Total domestic deposits to total assets | 91.6449% | 334 |
| Equity capital to assets | 8.0630% | 6,585 |
| Core capital (leverage) ratio | 7.0296% | 7,234 |
| Tier 1 risk-based capital ratio | 19.8077% | 1,557 |
| Total risk-based capital ratio | 20.7803% | 1,579 |
| Memoranda: | ||
| Average total assets | $180,075,000 | 3,497 |
| Average earning assets | $170,830,000 | 3,392 |
| Average equity | $14,519,500 | 4,116 |
| Average total loans | $46,995,500 | 5,801 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 6,515 |
| Cost of funding earning assets | 1.4856% | 5,567 |
| Net interest margin | 3.4879% | 5,012 |
| Noninterest income to average assets | 0.4700% | 4,650 |
| Noninterest expense to average assets | 2.1869% | 7,023 |
| Loan and lease loss provision to assets | 0.0512% | 7,054 |
| Net operating income to assets | 1.5216% | 646 |
| Return on assets (ROA) | 1.6125% | 564 |
| Pretax return on assets | 1.6125% | 937 |
| Return on Equity (ROE) | 19.5871% | 267 |
| Retained earnings to average equity (ytd only) | 14.5542% | 105 |
| Net charge-offs to loans | 0.1550% | 5,715 |
| Credit loss provision to net charge-offs | 108.1081% | 5,125 |
| Earnings coverage of net charge-offs (x) | 33.1892% | 702 |
| Efficiency ratio | 58.1673% | 6,738 |
| Assets per employee ($millions) | 5.2706% | 1,861 |
| Cash dividends to net income (ytd only)* | 25.6950% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 4,891 |
| Loan loss allowance to noncurrent loans | 299.0148% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 7,193 |
| Noncurrent loans to loans | 0.4270% | 6,411 |
| Net loans and leases to total assets | 26.9846% | 7,770 |
| Net loans and leases to deposits | 29.5327% | 7,820 |
| Net loans and leases to core deposits | 38.8260% | 7,777 |
| Total domestic deposits to total assets | 91.3718% | 410 |
| Equity capital to assets | 8.0631% | 6,514 |
| Core capital (leverage) ratio | 7.1618% | 7,100 |
| Tier 1 risk-based capital ratio | 19.5430% | 1,557 |
| Total risk-based capital ratio | 20.5311% | 1,559 |
| Memoranda: | ||
| Average total assets | $156,155,200 | 3,856 |
| Average earning assets | $147,280,800 | 3,760 |
| Average equity | $12,855,400 | 4,546 |
| Average total loans | $47,743,000 | 5,772 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 6,383 |
| Cost of funding earning assets | 1.5268% | 5,725 |
| Net interest margin | 3.5420% | 4,695 |
| Noninterest income to average assets | 0.4869% | 4,604 |
| Noninterest expense to average assets | 2.2059% | 6,960 |
| Loan and lease loss provision to assets | 0.0527% | 6,851 |
| Net operating income to assets | 1.5678% | 708 |
| Return on assets (ROA) | 1.6926% | 599 |
| Pretax return on assets | 1.6926% | 984 |
| Return on Equity (ROE) | 20.4401% | 286 |
| Retained earnings to average equity (ytd only) | 17.1926% | 102 |
| Net charge-offs to loans | 0.1395% | 5,307 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | 36.8773% | 795 |
| Efficiency ratio | 57.6481% | 6,766 |
| Assets per employee ($millions) | 5.0140% | 2,122 |
| Cash dividends to net income (ytd only)* | 15.8878% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,566 |
| Loan loss allowance to noncurrent loans | 245.3815% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 7,162 |
| Noncurrent loans to loans | 0.5258% | 6,254 |
| Net loans and leases to total assets | 28.2528% | 7,842 |
| Net loans and leases to deposits | 30.9612% | 7,895 |
| Net loans and leases to core deposits | 38.9365% | 7,864 |
| Total domestic deposits to total assets | 91.2524% | 325 |
| Equity capital to assets | 8.4309% | 6,342 |
| Core capital (leverage) ratio | 7.4915% | 6,987 |
| Tier 1 risk-based capital ratio | 19.1521% | 1,708 |
| Total risk-based capital ratio | 20.1472% | 1,730 |
| Memoranda: | ||
| Average total assets | $151,711,750 | 3,951 |
| Average earning assets | $143,043,500 | 3,862 |
| Average equity | $12,563,250 | 4,648 |
| Average total loans | $47,793,500 | 5,813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 6,145 |
| Cost of funding earning assets | 1.5852% | 5,792 |
| Net interest margin | 3.5953% | 4,383 |
| Noninterest income to average assets | 0.4880% | 4,550 |
| Noninterest expense to average assets | 2.2457% | 6,931 |
| Loan and lease loss provision to assets | 0.0544% | 6,679 |
| Net operating income to assets | 1.5701% | 730 |
| Return on assets (ROA) | 1.5701% | 786 |
| Pretax return on assets | 1.5701% | 1,280 |
| Return on Equity (ROE) | 19.0893% | 395 |
| Retained earnings to average equity (ytd only) | 15.4367% | 185 |
| Net charge-offs to loans | 0.2003% | 4,284 |
| Credit loss provision to net charge-offs | 83.3333% | 5,103 |
| Earnings coverage of net charge-offs (x) | 24.8958% | 1,138 |
| Efficiency ratio | 58.0260% | 6,863 |
| Assets per employee ($millions) | 4.6202% | 2,573 |
| Cash dividends to net income (ytd only)* | 19.1342% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 4,570 |
| Loan loss allowance to noncurrent loans | 217.2161% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 7,096 |
| Noncurrent loans to loans | 0.5776% | 6,102 |
| Net loans and leases to total assets | 30.6103% | 7,872 |
| Net loans and leases to deposits | 33.4331% | 7,949 |
| Net loans and leases to core deposits | 40.6810% | 7,925 |
| Total domestic deposits to total assets | 91.5568% | 309 |
| Equity capital to assets | 8.0661% | 6,671 |
| Core capital (leverage) ratio | 7.4702% | 7,059 |
| Tier 1 risk-based capital ratio | 19.6998% | 1,633 |
| Total risk-based capital ratio | 20.6389% | 1,660 |
| Memoranda: | ||
| Average total assets | $147,128,000 | 4,048 |
| Average earning assets | $138,403,000 | 3,984 |
| Average equity | $12,101,000 | 4,786 |
| Average total loans | $47,938,330 | 5,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 5,859 |
| Cost of funding earning assets | 1.6213% | 5,940 |
| Net interest margin | 3.6877% | 3,944 |
| Noninterest income to average assets | 0.5289% | 4,068 |
| Noninterest expense to average assets | 2.2068% | 6,851 |
| Loan and lease loss provision to assets | 0.0554% | 6,270 |
| Net operating income to assets | 1.7306% | 606 |
| Return on assets (ROA) | 1.7306% | 663 |
| Pretax return on assets | 1.7306% | 1,119 |
| Return on Equity (ROE) | 20.8290% | 374 |
| Retained earnings to average equity (ytd only) | 13.4639% | 572 |
| Net charge-offs to loans | 0.1823% | 3,542 |
| Credit loss provision to net charge-offs | 90.9091% | 3,981 |
| Earnings coverage of net charge-offs (x) | 29.3182% | 1,076 |
| Efficiency ratio | 55.2705% | 7,071 |
| Assets per employee ($millions) | 4.4935% | 2,729 |
| Cash dividends to net income (ytd only)* | 35.3600% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,493 |
| Loan loss allowance to noncurrent loans | 237.6984% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 7,044 |
| Noncurrent loans to loans | 0.5236% | 6,114 |
| Net loans and leases to total assets | 32.0520% | 7,863 |
| Net loans and leases to deposits | 35.1674% | 7,956 |
| Net loans and leases to core deposits | 41.8834% | 7,947 |
| Total domestic deposits to total assets | 91.1413% | 367 |
| Equity capital to assets | 8.4547% | 6,145 |
| Core capital (leverage) ratio | 7.4016% | 7,274 |
| Tier 1 risk-based capital ratio | 18.8788% | 1,841 |
| Total risk-based capital ratio | 19.9495% | 1,837 |
| Memoranda: | ||
| Average total assets | $144,459,500 | 4,105 |
| Average earning assets | $135,693,500 | 4,039 |
| Average equity | $12,002,500 | 4,833 |
| Average total loans | $48,276,000 | 5,866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6628% | 6,895 |
| Cost of funding earning assets | 1.8730% | 6,815 |
| Net interest margin | 3.7898% | 4,064 |
| Noninterest income to average assets | 0.7146% | 3,029 |
| Noninterest expense to average assets | 2.4569% | 6,179 |
| Loan and lease loss provision to assets | 0.0472% | 6,827 |
| Net operating income to assets | 1.7534% | 601 |
| Return on assets (ROA) | 1.7534% | 578 |
| Pretax return on assets | 1.7534% | 1,044 |
| Return on Equity (ROE) | 21.7519% | 265 |
| Retained earnings to average equity (ytd only) | 9.0795% | 592 |
| Net charge-offs to loans | 0.0126% | 6,743 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 381.3333% | 129 |
| Efficiency ratio | 57.7079% | 6,748 |
| Assets per employee ($millions) | 4.2617% | 3,016 |
| Cash dividends to net income (ytd only)* | 58.2585% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 4,226 |
| Loan loss allowance to noncurrent loans | 173.6994% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 6,594 |
| Noncurrent loans to loans | 0.7145% | 5,249 |
| Net loans and leases to total assets | 34.0058% | 7,892 |
| Net loans and leases to deposits | 37.3240% | 7,990 |
| Net loans and leases to core deposits | 42.6197% | 8,014 |
| Total domestic deposits to total assets | 91.1096% | 299 |
| Equity capital to assets | 8.1544% | 6,626 |
| Core capital (leverage) ratio | 7.7916% | 6,815 |
| Tier 1 risk-based capital ratio | 18.1375% | 2,008 |
| Total risk-based capital ratio | 19.2098% | 1,992 |
| Memoranda: | ||
| Average total assets | $127,070,800 | 4,350 |
| Average earning assets | $118,793,600 | 4,295 |
| Average equity | $10,242,800 | 5,331 |
| Average total loans | $47,769,000 | 5,795 |