Home > The Anna -Jonesboro National Bank > Performance and Condition Ratios
The Anna -Jonesboro National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5822% | 4,359 |
| Cost of funding earning assets | 0.7207% | 3,895 |
| Net interest margin | 2.8615% | 3,556 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0762% | 3,462 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.8173% | 2,813 |
| Return on assets (ROA) | 0.8173% | 2,798 |
| Pretax return on assets | 1.0159% | 2,632 |
| Return on Equity (ROE) | 9.4600% | 2,644 |
| Retained earnings to average equity (ytd only) | -1.7241% | 4,248 |
| Net charge-offs to loans | -0.0884% | 4,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.3508% | 2,304 |
| Assets per employee ($millions) | 6.0566% | 2,771 |
| Cash dividends to net income (ytd only)* | 118.2339% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1760% | 289 |
| Loan loss allowance to noncurrent loans | 46.2159% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.8980% | 159 |
| Noncurrent loans to loans | 4.7083% | 61 |
| Net loans and leases to total assets | 38.3600% | 4,087 |
| Net loans and leases to deposits | 45.6255% | 4,063 |
| Net loans and leases to core deposits | 48.0493% | 4,122 |
| Total domestic deposits to total assets | 84.0800% | 2,600 |
| Equity capital to assets | 9.5353% | 2,324 |
| Core capital (leverage) ratio | 12.6577% | 1,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7836% | 247 |
| Memoranda: | ||
| Average total assets | $256,328,400 | 2,644 |
| Average earning assets | $240,329,600 | 2,629 |
| Average equity | $22,156,000 | 2,681 |
| Average total loans | $96,113,800 | 3,216 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 4,362 |
| Cost of funding earning assets | 0.6679% | 3,834 |
| Net interest margin | 2.8669% | 3,604 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.0598% | 3,442 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.7933% | 3,041 |
| Return on assets (ROA) | 0.7933% | 3,040 |
| Pretax return on assets | 0.9791% | 2,914 |
| Return on Equity (ROE) | 9.4100% | 2,824 |
| Retained earnings to average equity (ytd only) | -1.8736% | 4,311 |
| Net charge-offs to loans | -0.0070% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.6091% | 2,318 |
| Assets per employee ($millions) | 6.0648% | 2,696 |
| Cash dividends to net income (ytd only)* | 119.9089% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2288% | 281 |
| Loan loss allowance to noncurrent loans | 41.4856% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.0744% | 128 |
| Noncurrent loans to loans | 5.3725% | 46 |
| Net loans and leases to total assets | 36.8400% | 4,157 |
| Net loans and leases to deposits | 42.7808% | 4,138 |
| Net loans and leases to core deposits | 44.6148% | 4,162 |
| Total domestic deposits to total assets | 86.1100% | 2,152 |
| Equity capital to assets | 7.7308% | 3,224 |
| Core capital (leverage) ratio | 12.4866% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7818% | 259 |
| Memoranda: | ||
| Average total assets | $258,330,750 | 2,637 |
| Average earning assets | $241,554,000 | 2,625 |
| Average equity | $21,775,500 | 2,701 |
| Average total loans | $95,797,000 | 3,227 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4686% | 4,374 |
| Cost of funding earning assets | 0.5861% | 3,788 |
| Net interest margin | 2.8825% | 3,676 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.0629% | 3,435 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.7868% | 3,117 |
| Return on assets (ROA) | 0.7868% | 3,130 |
| Pretax return on assets | 0.9656% | 3,004 |
| Return on Equity (ROE) | 9.0900% | 2,965 |
| Retained earnings to average equity (ytd only) | -4.7619% | 4,413 |
| Net charge-offs to loans | 0.1421% | 539 |
| Credit loss provision to net charge-offs | 176.4706% | 1,100 |
| Earnings coverage of net charge-offs (x) | 21.0735% | 1,730 |
| Efficiency ratio | 65.1338% | 2,355 |
| Assets per employee ($millions) | 6.6036% | 2,207 |
| Cash dividends to net income (ytd only)* | 152.3996% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 336 |
| Loan loss allowance to noncurrent loans | 39.4079% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 2.0696% | 131 |
| Noncurrent loans to loans | 5.4432% | 43 |
| Net loans and leases to total assets | 36.3100% | 4,166 |
| Net loans and leases to deposits | 42.9167% | 4,136 |
| Net loans and leases to core deposits | 44.7851% | 4,152 |
| Total domestic deposits to total assets | 84.6100% | 2,657 |
| Equity capital to assets | 8.4134% | 2,933 |
| Core capital (leverage) ratio | 12.3484% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3439% | 256 |
| Memoranda: | ||
| Average total assets | $259,534,333 | 2,637 |
| Average earning assets | $244,651,667 | 2,611 |
| Average equity | $22,470,000 | 2,662 |
| Average total loans | $95,739,000 | 3,222 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 4,306 |
| Cost of funding earning assets | 0.4545% | 3,830 |
| Net interest margin | 3.0066% | 3,587 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.0389% | 3,527 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8966% | 2,868 |
| Return on assets (ROA) | 0.8966% | 2,825 |
| Pretax return on assets | 1.1300% | 2,627 |
| Return on Equity (ROE) | 10.2100% | 2,722 |
| Retained earnings to average equity (ytd only) | 4.0750% | 3,256 |
| Net charge-offs to loans | 0.1503% | 457 |
| Credit loss provision to net charge-offs | 83.3333% | 1,195 |
| Earnings coverage of net charge-offs (x) | 22.9444% | 1,413 |
| Efficiency ratio | 61.6527% | 2,739 |
| Assets per employee ($millions) | 7.0136% | 1,971 |
| Cash dividends to net income (ytd only)* | 60.1027% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0861% | 384 |
| Loan loss allowance to noncurrent loans | 37.5471% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 2.0948% | 111 |
| Noncurrent loans to loans | 5.5559% | 48 |
| Net loans and leases to total assets | 36.0500% | 4,192 |
| Net loans and leases to deposits | 41.2714% | 4,187 |
| Net loans and leases to core deposits | 43.1785% | 4,196 |
| Total domestic deposits to total assets | 87.3400% | 2,150 |
| Equity capital to assets | 9.1239% | 2,427 |
| Core capital (leverage) ratio | 12.5095% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5332% | 233 |
| Memoranda: | ||
| Average total assets | $260,530,500 | 2,668 |
| Average earning assets | $247,325,500 | 2,628 |
| Average equity | $22,871,000 | 2,657 |
| Average total loans | $95,824,500 | 3,258 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1896% | 3,830 |
| Cost of funding earning assets | 0.2875% | 2,980 |
| Net interest margin | 2.9021% | 3,676 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.8985% | 3,821 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.8174% | 3,266 |
| Return on assets (ROA) | 0.8261% | 3,163 |
| Pretax return on assets | 1.0332% | 2,963 |
| Return on Equity (ROE) | 8.7400% | 3,189 |
| Retained earnings to average equity (ytd only) | 3.6452% | 3,523 |
| Net charge-offs to loans | 0.0832% | 831 |
| Credit loss provision to net charge-offs | 560.9756% | 633 |
| Earnings coverage of net charge-offs (x) | 39.0122% | 1,519 |
| Efficiency ratio | 61.3881% | 2,860 |
| Assets per employee ($millions) | 7.0691% | 1,920 |
| Cash dividends to net income (ytd only)* | 58.2919% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 380 |
| Loan loss allowance to noncurrent loans | 36.0325% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.1689% | 107 |
| Noncurrent loans to loans | 5.7694% | 41 |
| Net loans and leases to total assets | 35.9800% | 4,217 |
| Net loans and leases to deposits | 41.2606% | 4,207 |
| Net loans and leases to core deposits | 43.0516% | 4,207 |
| Total domestic deposits to total assets | 87.2100% | 2,326 |
| Equity capital to assets | 8.4361% | 2,755 |
| Core capital (leverage) ratio | 13.0517% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5028% | 230 |
| Memoranda: | ||
| Average total assets | $267,895,600 | 2,620 |
| Average earning assets | $254,950,400 | 2,579 |
| Average equity | $25,320,800 | 2,565 |
| Average total loans | $98,605,200 | 3,173 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1176% | 3,636 |
| Cost of funding earning assets | 0.2682% | 2,506 |
| Net interest margin | 2.8495% | 3,626 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 1.8861% | 3,778 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8000% | 3,268 |
| Return on assets (ROA) | 0.8124% | 3,171 |
| Pretax return on assets | 1.0073% | 2,991 |
| Return on Equity (ROE) | 8.3800% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.6731% | 3,209 |
| Net charge-offs to loans | -0.1801% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.6253% | 2,750 |
| Assets per employee ($millions) | 7.2369% | 1,790 |
| Cash dividends to net income (ytd only)* | 44.2144% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0791% | 431 |
| Loan loss allowance to noncurrent loans | 60.1604% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 285 |
| Noncurrent loans to loans | 3.4559% | 124 |
| Net loans and leases to total assets | 35.6200% | 4,244 |
| Net loans and leases to deposits | 39.9743% | 4,237 |
| Net loans and leases to core deposits | 41.7451% | 4,228 |
| Total domestic deposits to total assets | 89.1000% | 2,046 |
| Equity capital to assets | 7.7583% | 3,048 |
| Core capital (leverage) ratio | 12.6819% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3106% | 241 |
| Memoranda: | ||
| Average total assets | $269,480,500 | 2,627 |
| Average earning assets | $256,556,750 | 2,593 |
| Average equity | $26,134,750 | 2,560 |
| Average total loans | $99,228,750 | 3,163 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 3,433 |
| Cost of funding earning assets | 0.2566% | 2,175 |
| Net interest margin | 2.7930% | 3,466 |
| Noninterest income to average assets | 0.2488% | 3,684 |
| Noninterest expense to average assets | 1.8856% | 3,739 |
| Loan and lease loss provision to assets | 0.1333% | 719 |
| Net operating income to assets | 0.7338% | 3,201 |
| Return on assets (ROA) | 0.7436% | 3,121 |
| Pretax return on assets | 0.9102% | 3,027 |
| Return on Equity (ROE) | 7.1915% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.0586% | 3,425 |
| Net charge-offs to loans | -0.0180% | 3,823 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6357% | 2,689 |
| Assets per employee ($millions) | 7.1984% | 1,809 |
| Cash dividends to net income (ytd only)* | 57.4701% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 761 |
| Loan loss allowance to noncurrent loans | 53.3314% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 298 |
| Noncurrent loans to loans | 3.4434% | 132 |
| Net loans and leases to total assets | 36.3064% | 4,234 |
| Net loans and leases to deposits | 40.7084% | 4,243 |
| Net loans and leases to core deposits | 42.5153% | 4,247 |
| Total domestic deposits to total assets | 89.1863% | 2,094 |
| Equity capital to assets | 8.6792% | 2,630 |
| Core capital (leverage) ratio | 12.4154% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6642% | 229 |
| Memoranda: | ||
| Average total assets | $270,052,333 | 2,647 |
| Average earning assets | $258,003,333 | 2,611 |
| Average equity | $27,921,667 | 2,531 |
| Average total loans | $99,839,000 | 3,192 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9551% | 3,387 |
| Cost of funding earning assets | 0.2489% | 2,174 |
| Net interest margin | 2.7061% | 3,389 |
| Noninterest income to average assets | 0.1118% | 4,447 |
| Noninterest expense to average assets | 1.8830% | 3,717 |
| Loan and lease loss provision to assets | 0.1324% | 615 |
| Net operating income to assets | 0.5814% | 3,463 |
| Return on assets (ROA) | 0.6002% | 3,375 |
| Pretax return on assets | 0.7091% | 3,363 |
| Return on Equity (ROE) | 5.3818% | 3,518 |
| Retained earnings to average equity (ytd only) | 1.5697% | 3,665 |
| Net charge-offs to loans | 0.1990% | 312 |
| Credit loss provision to net charge-offs | 180.0000% | 806 |
| Earnings coverage of net charge-offs (x) | 11.1400% | 1,445 |
| Efficiency ratio | 69.6788% | 2,277 |
| Assets per employee ($millions) | 7.0095% | 1,992 |
| Cash dividends to net income (ytd only)* | 70.8333% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 1,116 |
| Loan loss allowance to noncurrent loans | 47.1189% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3769% | 276 |
| Noncurrent loans to loans | 3.5326% | 124 |
| Net loans and leases to total assets | 35.8739% | 4,218 |
| Net loans and leases to deposits | 40.8224% | 4,220 |
| Net loans and leases to core deposits | 42.7135% | 4,212 |
| Total domestic deposits to total assets | 87.8779% | 2,579 |
| Equity capital to assets | 10.0593% | 1,849 |
| Core capital (leverage) ratio | 12.1601% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0086% | 226 |
| Memoranda: | ||
| Average total assets | $271,909,000 | 2,650 |
| Average earning assets | $260,296,000 | 2,609 |
| Average equity | $30,324,500 | 2,463 |
| Average total loans | $100,505,000 | 3,179 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 3,295 |
| Cost of funding earning assets | 0.2975% | 2,431 |
| Net interest margin | 2.9718% | 3,267 |
| Noninterest income to average assets | 0.4609% | 2,761 |
| Noninterest expense to average assets | 2.0251% | 3,598 |
| Loan and lease loss provision to assets | 0.2283% | 437 |
| Net operating income to assets | 0.8137% | 3,291 |
| Return on assets (ROA) | 0.8137% | 3,361 |
| Pretax return on assets | 1.0356% | 3,165 |
| Return on Equity (ROE) | 6.3619% | 3,684 |
| Retained earnings to average equity (ytd only) | 2.3389% | 3,874 |
| Net charge-offs to loans | 0.6574% | 120 |
| Credit loss provision to net charge-offs | 84.0336% | 1,929 |
| Earnings coverage of net charge-offs (x) | 4.6513% | 2,484 |
| Efficiency ratio | 61.5714% | 2,927 |
| Assets per employee ($millions) | 6.5963% | 2,243 |
| Cash dividends to net income (ytd only)* | 63.2367% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,258 |
| Loan loss allowance to noncurrent loans | 37.8947% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.6306% | 245 |
| Noncurrent loans to loans | 4.2209% | 94 |
| Net loans and leases to total assets | 36.8506% | 4,248 |
| Net loans and leases to deposits | 43.5331% | 4,199 |
| Net loans and leases to core deposits | 45.7532% | 4,194 |
| Total domestic deposits to total assets | 84.6496% | 3,380 |
| Equity capital to assets | 12.2574% | 1,150 |
| Core capital (leverage) ratio | 12.0960% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7742% | 243 |
| Memoranda: | ||
| Average total assets | $262,754,800 | 2,646 |
| Average earning assets | $250,046,400 | 2,615 |
| Average equity | $33,606,200 | 2,349 |
| Average total loans | $108,616,600 | 3,095 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 3,353 |
| Cost of funding earning assets | 0.3074% | 2,525 |
| Net interest margin | 3.0055% | 3,287 |
| Noninterest income to average assets | 0.4785% | 2,717 |
| Noninterest expense to average assets | 2.0207% | 3,608 |
| Loan and lease loss provision to assets | 0.2607% | 342 |
| Net operating income to assets | 0.8317% | 3,442 |
| Return on assets (ROA) | 0.8317% | 3,503 |
| Pretax return on assets | 1.0459% | 3,334 |
| Return on Equity (ROE) | 6.4332% | 3,812 |
| Retained earnings to average equity (ytd only) | 2.9971% | 3,910 |
| Net charge-offs to loans | 0.7001% | 111 |
| Credit loss provision to net charge-offs | 87.9310% | 1,676 |
| Earnings coverage of net charge-offs (x) | 4.4069% | 2,272 |
| Efficiency ratio | 60.7313% | 2,873 |
| Assets per employee ($millions) | 6.1683% | 2,531 |
| Cash dividends to net income (ytd only)* | 53.4112% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 1,366 |
| Loan loss allowance to noncurrent loans | 36.4513% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 252 |
| Noncurrent loans to loans | 4.3572% | 102 |
| Net loans and leases to total assets | 37.9888% | 4,300 |
| Net loans and leases to deposits | 44.6199% | 4,290 |
| Net loans and leases to core deposits | 46.8669% | 4,285 |
| Total domestic deposits to total assets | 85.1389% | 3,068 |
| Equity capital to assets | 12.5509% | 1,152 |
| Core capital (leverage) ratio | 12.0879% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7611% | 260 |
| Memoranda: | ||
| Average total assets | $260,831,250 | 2,687 |
| Average earning assets | $247,228,750 | 2,655 |
| Average equity | $33,720,250 | 2,377 |
| Average total loans | $110,450,250 | 3,109 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 3,521 |
| Cost of funding earning assets | 0.3189% | 2,598 |
| Net interest margin | 2.9472% | 3,455 |
| Noninterest income to average assets | 0.4936% | 2,647 |
| Noninterest expense to average assets | 1.9984% | 3,703 |
| Loan and lease loss provision to assets | 0.2759% | 333 |
| Net operating income to assets | 0.8022% | 3,508 |
| Return on assets (ROA) | 0.8022% | 3,582 |
| Pretax return on assets | 1.0066% | 3,435 |
| Return on Equity (ROE) | 6.1418% | 3,870 |
| Retained earnings to average equity (ytd only) | 2.7138% | 3,935 |
| Net charge-offs to loans | 1.1322% | 68 |
| Credit loss provision to net charge-offs | 55.8176% | 1,578 |
| Earnings coverage of net charge-offs (x) | 2.5943% | 2,117 |
| Efficiency ratio | 60.9097% | 2,888 |
| Assets per employee ($millions) | 5.9586% | 2,660 |
| Cash dividends to net income (ytd only)* | 55.8140% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 2,332 |
| Loan loss allowance to noncurrent loans | 35.6652% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.6223% | 324 |
| Noncurrent loans to loans | 3.7050% | 165 |
| Net loans and leases to total assets | 40.4666% | 4,272 |
| Net loans and leases to deposits | 47.5622% | 4,244 |
| Net loans and leases to core deposits | 49.9186% | 4,236 |
| Total domestic deposits to total assets | 85.0815% | 3,057 |
| Equity capital to assets | 12.5529% | 1,110 |
| Core capital (leverage) ratio | 12.3066% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3445% | 264 |
| Memoranda: | ||
| Average total assets | $257,306,333 | 2,700 |
| Average earning assets | $243,351,667 | 2,672 |
| Average equity | $33,605,667 | 2,373 |
| Average total loans | $112,344,333 | 3,092 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 3,365 |
| Cost of funding earning assets | 0.3388% | 2,636 |
| Net interest margin | 3.0024% | 3,251 |
| Noninterest income to average assets | 0.5272% | 2,492 |
| Noninterest expense to average assets | 2.0628% | 3,529 |
| Loan and lease loss provision to assets | 0.2223% | 517 |
| Net operating income to assets | 0.8575% | 3,247 |
| Return on assets (ROA) | 0.8575% | 3,330 |
| Pretax return on assets | 1.0846% | 3,149 |
| Return on Equity (ROE) | 6.4326% | 3,742 |
| Retained earnings to average equity (ytd only) | 3.0257% | 3,777 |
| Net charge-offs to loans | 0.5144% | 161 |
| Credit loss provision to net charge-offs | 95.8904% | 1,157 |
| Earnings coverage of net charge-offs (x) | 5.6370% | 1,674 |
| Efficiency ratio | 61.2158% | 2,876 |
| Assets per employee ($millions) | 6.1419% | 2,464 |
| Cash dividends to net income (ytd only)* | 52.9630% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 1,516 |
| Loan loss allowance to noncurrent loans | 77.5236% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.9711% | 853 |
| Noncurrent loans to loans | 1.9692% | 553 |
| Net loans and leases to total assets | 43.2094% | 4,164 |
| Net loans and leases to deposits | 49.9098% | 4,160 |
| Net loans and leases to core deposits | 52.2418% | 4,180 |
| Total domestic deposits to total assets | 86.5751% | 2,495 |
| Equity capital to assets | 12.8830% | 953 |
| Core capital (leverage) ratio | 12.7498% | 906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8516% | 260 |
| Memoranda: | ||
| Average total assets | $251,891,000 | 2,718 |
| Average earning assets | $238,479,500 | 2,688 |
| Average equity | $33,579,000 | 2,370 |
| Average total loans | $113,537,000 | 3,080 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 2,739 |
| Cost of funding earning assets | 0.4444% | 3,317 |
| Net interest margin | 3.5517% | 2,304 |
| Noninterest income to average assets | 0.4934% | 2,661 |
| Noninterest expense to average assets | 2.4964% | 2,857 |
| Loan and lease loss provision to assets | 0.2024% | 1,939 |
| Net operating income to assets | 0.9081% | 2,658 |
| Return on assets (ROA) | 0.9081% | 2,795 |
| Pretax return on assets | 1.1531% | 2,506 |
| Return on Equity (ROE) | 6.3702% | 3,460 |
| Retained earnings to average equity (ytd only) | 1.7338% | 3,929 |
| Net charge-offs to loans | 0.2915% | 593 |
| Credit loss provision to net charge-offs | 139.4659% | 2,488 |
| Earnings coverage of net charge-offs (x) | 9.3412% | 2,535 |
| Efficiency ratio | 64.8111% | 2,699 |
| Assets per employee ($millions) | 5.2303% | 3,119 |
| Cash dividends to net income (ytd only)* | 72.7833% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,505 |
| Loan loss allowance to noncurrent loans | 94.6507% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 676 |
| Noncurrent loans to loans | 1.6087% | 821 |
| Net loans and leases to total assets | 45.6220% | 4,151 |
| Net loans and leases to deposits | 54.1887% | 4,103 |
| Net loans and leases to core deposits | 56.9221% | 4,106 |
| Total domestic deposits to total assets | 84.1910% | 3,054 |
| Equity capital to assets | 13.8006% | 843 |
| Core capital (leverage) ratio | 13.0794% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1004% | 244 |
| Memoranda: | ||
| Average total assets | $232,252,600 | 2,701 |
| Average earning assets | $219,614,000 | 2,672 |
| Average equity | $33,107,200 | 2,333 |
| Average total loans | $115,614,400 | 3,027 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,755 |
| Cost of funding earning assets | 0.4679% | 3,432 |
| Net interest margin | 3.6042% | 2,263 |
| Noninterest income to average assets | 0.4934% | 2,638 |
| Noninterest expense to average assets | 2.4690% | 2,937 |
| Loan and lease loss provision to assets | 0.2390% | 1,698 |
| Net operating income to assets | 0.9036% | 2,692 |
| Return on assets (ROA) | 0.9036% | 2,819 |
| Pretax return on assets | 1.1920% | 2,414 |
| Return on Equity (ROE) | 6.2850% | 3,455 |
| Retained earnings to average equity (ytd only) | 1.9815% | 3,940 |
| Net charge-offs to loans | 0.0666% | 1,659 |
| Credit loss provision to net charge-offs | 706.8966% | 1,064 |
| Earnings coverage of net charge-offs (x) | 42.3448% | 1,319 |
| Efficiency ratio | 63.3104% | 2,861 |
| Assets per employee ($millions) | 5.2085% | 3,011 |
| Cash dividends to net income (ytd only)* | 68.4720% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 939 |
| Loan loss allowance to noncurrent loans | 85.8462% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.5635% | 535 |
| Noncurrent loans to loans | 1.9473% | 630 |
| Net loans and leases to total assets | 47.9461% | 4,214 |
| Net loans and leases to deposits | 56.6837% | 4,223 |
| Net loans and leases to core deposits | 59.5971% | 4,226 |
| Total domestic deposits to total assets | 84.5853% | 2,601 |
| Equity capital to assets | 14.1053% | 826 |
| Core capital (leverage) ratio | 13.3173% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6664% | 247 |
| Memoranda: | ||
| Average total assets | $228,860,250 | 2,708 |
| Average earning assets | $216,295,750 | 2,688 |
| Average equity | $32,902,750 | 2,330 |
| Average total loans | $116,047,250 | 3,029 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,692 |
| Cost of funding earning assets | 0.4954% | 3,565 |
| Net interest margin | 3.7251% | 2,076 |
| Noninterest income to average assets | 0.5140% | 2,512 |
| Noninterest expense to average assets | 2.5452% | 2,839 |
| Loan and lease loss provision to assets | 0.2841% | 1,512 |
| Net operating income to assets | 0.9313% | 2,577 |
| Return on assets (ROA) | 0.9313% | 2,707 |
| Pretax return on assets | 1.2029% | 2,356 |
| Return on Equity (ROE) | 6.4345% | 3,353 |
| Retained earnings to average equity (ytd only) | 1.7236% | 3,864 |
| Net charge-offs to loans | 0.1140% | 1,162 |
| Credit loss provision to net charge-offs | 484.8485% | 1,260 |
| Earnings coverage of net charge-offs (x) | 25.3788% | 1,554 |
| Efficiency ratio | 63.1220% | 2,939 |
| Assets per employee ($millions) | 5.4076% | 2,729 |
| Cash dividends to net income (ytd only)* | 73.2126% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 1,048 |
| Loan loss allowance to noncurrent loans | 72.5743% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.7967% | 441 |
| Noncurrent loans to loans | 2.1817% | 586 |
| Net loans and leases to total assets | 48.4595% | 4,236 |
| Net loans and leases to deposits | 58.0679% | 4,220 |
| Net loans and leases to core deposits | 61.3886% | 4,195 |
| Total domestic deposits to total assets | 83.4530% | 2,941 |
| Equity capital to assets | 14.1051% | 837 |
| Core capital (leverage) ratio | 13.6347% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0557% | 262 |
| Memoranda: | ||
| Average total assets | $225,283,667 | 2,719 |
| Average earning assets | $212,773,333 | 2,692 |
| Average equity | $32,605,333 | 2,331 |
| Average total loans | $115,787,333 | 3,026 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,671 |
| Cost of funding earning assets | 0.5257% | 3,822 |
| Net interest margin | 3.8594% | 1,798 |
| Noninterest income to average assets | 0.5554% | 2,249 |
| Noninterest expense to average assets | 2.6069% | 2,964 |
| Loan and lease loss provision to assets | 0.2740% | 1,141 |
| Net operating income to assets | 1.0413% | 2,033 |
| Return on assets (ROA) | 1.0413% | 2,132 |
| Pretax return on assets | 1.3226% | 1,805 |
| Return on Equity (ROE) | 7.0967% | 2,905 |
| Retained earnings to average equity (ytd only) | 3.5733% | 2,860 |
| Net charge-offs to loans | 0.0869% | 1,181 |
| Credit loss provision to net charge-offs | 600.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 34.9600% | 1,092 |
| Efficiency ratio | 62.0165% | 3,498 |
| Assets per employee ($millions) | 4.5587% | 3,186 |
| Cash dividends to net income (ytd only)* | 49.6491% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,320 |
| Loan loss allowance to noncurrent loans | 98.5722% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.7042% | 571 |
| Noncurrent loans to loans | 1.5284% | 1,040 |
| Net loans and leases to total assets | 51.5661% | 4,145 |
| Net loans and leases to deposits | 60.7799% | 4,172 |
| Net loans and leases to core deposits | 64.4840% | 4,147 |
| Total domestic deposits to total assets | 84.8408% | 2,471 |
| Equity capital to assets | 14.7392% | 825 |
| Core capital (leverage) ratio | 14.4546% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3509% | 277 |
| Memoranda: | ||
| Average total assets | $218,958,000 | 2,721 |
| Average earning assets | $206,977,000 | 2,684 |
| Average equity | $32,127,500 | 2,347 |
| Average total loans | $115,102,500 | 3,012 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3631% | 3,355 |
| Cost of funding earning assets | 0.5537% | 3,852 |
| Net interest margin | 3.8093% | 2,473 |
| Noninterest income to average assets | 0.5190% | 2,632 |
| Noninterest expense to average assets | 2.5971% | 3,181 |
| Loan and lease loss provision to assets | 0.3022% | 555 |
| Net operating income to assets | 0.9380% | 3,065 |
| Return on assets (ROA) | 0.9380% | 3,144 |
| Pretax return on assets | 1.2147% | 2,785 |
| Return on Equity (ROE) | 6.6232% | 3,698 |
| Retained earnings to average equity (ytd only) | 2.3938% | 3,823 |
| Net charge-offs to loans | 0.3570% | 558 |
| Credit loss provision to net charge-offs | 162.5917% | 1,590 |
| Earnings coverage of net charge-offs (x) | 8.1614% | 2,801 |
| Efficiency ratio | 63.1282% | 3,202 |
| Assets per employee ($millions) | 4.5645% | 3,130 |
| Cash dividends to net income (ytd only)* | 63.8566% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,575 |
| Loan loss allowance to noncurrent loans | 105.9563% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.6290% | 589 |
| Noncurrent loans to loans | 1.3066% | 1,154 |
| Net loans and leases to total assets | 52.0507% | 4,223 |
| Net loans and leases to deposits | 61.2033% | 4,233 |
| Net loans and leases to core deposits | 64.9353% | 4,239 |
| Total domestic deposits to total assets | 85.0455% | 2,476 |
| Equity capital to assets | 14.6067% | 899 |
| Core capital (leverage) ratio | 14.2169% | 874 |
| Tier 1 risk-based capital ratio | 27.9685% | 559 |
| Total risk-based capital ratio | 29.2215% | 549 |
| Memoranda: | ||
| Average total assets | $220,050,800 | 2,659 |
| Average earning assets | $207,675,200 | 2,630 |
| Average equity | $31,163,200 | 2,334 |
| Average total loans | $114,552,800 | 3,011 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 3,449 |
| Cost of funding earning assets | 0.5561% | 3,892 |
| Net interest margin | 3.8146% | 2,545 |
| Noninterest income to average assets | 0.5205% | 2,602 |
| Noninterest expense to average assets | 2.5069% | 3,414 |
| Loan and lease loss provision to assets | 0.2239% | 769 |
| Net operating income to assets | 1.0350% | 2,844 |
| Return on assets (ROA) | 1.0350% | 2,925 |
| Pretax return on assets | 1.3890% | 2,351 |
| Return on Equity (ROE) | 7.3658% | 3,563 |
| Retained earnings to average equity (ytd only) | 3.6829% | 3,557 |
| Net charge-offs to loans | 0.2672% | 659 |
| Credit loss provision to net charge-offs | 161.5721% | 1,545 |
| Earnings coverage of net charge-offs (x) | 11.6374% | 2,429 |
| Efficiency ratio | 60.8491% | 3,497 |
| Assets per employee ($millions) | 4.3933% | 3,348 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 1,964 |
| Loan loss allowance to noncurrent loans | 60.4311% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 2.3814% | 306 |
| Noncurrent loans to loans | 2.1527% | 609 |
| Net loans and leases to total assets | 51.3250% | 4,350 |
| Net loans and leases to deposits | 60.3601% | 4,364 |
| Net loans and leases to core deposits | 64.0178% | 4,368 |
| Total domestic deposits to total assets | 85.0313% | 2,414 |
| Equity capital to assets | 14.5822% | 958 |
| Core capital (leverage) ratio | 14.3793% | 884 |
| Tier 1 risk-based capital ratio | 27.8070% | 586 |
| Total risk-based capital ratio | 29.0582% | 574 |
| Memoranda: | ||
| Average total assets | $220,289,000 | 2,681 |
| Average earning assets | $207,860,750 | 2,649 |
| Average equity | $30,953,250 | 2,360 |
| Average total loans | $114,280,250 | 3,055 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 3,476 |
| Cost of funding earning assets | 0.5500% | 3,875 |
| Net interest margin | 3.8047% | 2,574 |
| Noninterest income to average assets | 0.5107% | 2,620 |
| Noninterest expense to average assets | 2.5343% | 3,371 |
| Loan and lease loss provision to assets | 0.1905% | 926 |
| Net operating income to assets | 1.0277% | 2,814 |
| Return on assets (ROA) | 1.0277% | 2,894 |
| Pretax return on assets | 1.3814% | 2,253 |
| Return on Equity (ROE) | 7.4068% | 3,529 |
| Retained earnings to average equity (ytd only) | 3.7459% | 3,383 |
| Net charge-offs to loans | 0.2380% | 705 |
| Credit loss provision to net charge-offs | 154.4118% | 1,454 |
| Earnings coverage of net charge-offs (x) | 12.7426% | 2,133 |
| Efficiency ratio | 61.7186% | 3,476 |
| Assets per employee ($millions) | 4.2196% | 3,547 |
| Cash dividends to net income (ytd only)* | 49.4263% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,347 |
| Loan loss allowance to noncurrent loans | 43.2622% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 2.4341% | 313 |
| Noncurrent loans to loans | 2.8499% | 372 |
| Net loans and leases to total assets | 51.8054% | 4,363 |
| Net loans and leases to deposits | 60.8005% | 4,393 |
| Net loans and leases to core deposits | 64.7866% | 4,372 |
| Total domestic deposits to total assets | 85.2056% | 2,385 |
| Equity capital to assets | 14.4038% | 980 |
| Core capital (leverage) ratio | 14.2690% | 889 |
| Tier 1 risk-based capital ratio | 27.3846% | 598 |
| Total risk-based capital ratio | 28.6349% | 585 |
| Memoranda: | ||
| Average total assets | $220,497,000 | 2,689 |
| Average earning assets | $208,372,330 | 2,654 |
| Average equity | $30,593,670 | 2,374 |
| Average total loans | $114,297,330 | 3,067 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 3,596 |
| Cost of funding earning assets | 0.5389% | 3,872 |
| Net interest margin | 3.7495% | 2,712 |
| Noninterest income to average assets | 0.5266% | 2,399 |
| Noninterest expense to average assets | 2.5661% | 3,312 |
| Loan and lease loss provision to assets | 0.1086% | 1,637 |
| Net operating income to assets | 1.0369% | 2,713 |
| Return on assets (ROA) | 1.0369% | 2,754 |
| Pretax return on assets | 1.3898% | 2,120 |
| Return on Equity (ROE) | 7.6177% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.9218% | 3,335 |
| Net charge-offs to loans | -0.3547% | 5,238 |
| Credit loss provision to net charge-offs | -59.4059% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1345% | 3,368 |
| Assets per employee ($millions) | 4.2930% | 3,492 |
| Cash dividends to net income (ytd only)* | 48.5166% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 1,955 |
| Loan loss allowance to noncurrent loans | 37.2219% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.7126% | 260 |
| Noncurrent loans to loans | 3.5736% | 252 |
| Net loans and leases to total assets | 51.0231% | 4,404 |
| Net loans and leases to deposits | 59.5448% | 4,439 |
| Net loans and leases to core deposits | 63.0312% | 4,428 |
| Total domestic deposits to total assets | 85.6886% | 2,409 |
| Equity capital to assets | 13.9648% | 1,050 |
| Core capital (leverage) ratio | 14.1442% | 914 |
| Tier 1 risk-based capital ratio | 27.4209% | 594 |
| Total risk-based capital ratio | 28.6726% | 583 |
| Memoranda: | ||
| Average total assets | $221,035,000 | 2,715 |
| Average earning assets | $208,559,500 | 2,680 |
| Average equity | $30,088,000 | 2,405 |
| Average total loans | $113,900,500 | 3,101 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 3,369 |
| Cost of funding earning assets | 0.5870% | 2,807 |
| Net interest margin | 3.6388% | 3,257 |
| Noninterest income to average assets | 0.4749% | 2,971 |
| Noninterest expense to average assets | 2.4466% | 3,751 |
| Loan and lease loss provision to assets | 0.3561% | 422 |
| Net operating income to assets | 0.8096% | 3,770 |
| Return on assets (ROA) | 0.8096% | 3,772 |
| Pretax return on assets | 1.1010% | 3,264 |
| Return on Equity (ROE) | 6.2814% | 4,075 |
| Retained earnings to average equity (ytd only) | 1.8678% | 4,402 |
| Net charge-offs to loans | 1.0637% | 137 |
| Credit loss provision to net charge-offs | 65.9919% | 3,040 |
| Earnings coverage of net charge-offs (x) | 2.7004% | 3,496 |
| Efficiency ratio | 62.6749% | 3,408 |
| Assets per employee ($millions) | 4.2909% | 3,475 |
| Cash dividends to net income (ytd only)* | 70.2644% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,702 |
| Loan loss allowance to noncurrent loans | 31.1703% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.7402% | 257 |
| Noncurrent loans to loans | 3.7658% | 213 |
| Net loans and leases to total assets | 50.7507% | 4,471 |
| Net loans and leases to deposits | 59.0661% | 4,522 |
| Net loans and leases to core deposits | 62.6067% | 4,511 |
| Total domestic deposits to total assets | 85.9219% | 2,275 |
| Equity capital to assets | 13.2665% | 1,229 |
| Core capital (leverage) ratio | 13.6643% | 1,020 |
| Tier 1 risk-based capital ratio | 26.6661% | 629 |
| Total risk-based capital ratio | 27.8524% | 625 |
| Memoranda: | ||
| Average total assets | $228,890,800 | 2,622 |
| Average earning assets | $215,676,400 | 2,595 |
| Average equity | $29,499,600 | 2,362 |
| Average total loans | $116,105,200 | 3,043 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 3,338 |
| Cost of funding earning assets | 0.5858% | 2,579 |
| Net interest margin | 3.6106% | 3,329 |
| Noninterest income to average assets | 0.4747% | 3,016 |
| Noninterest expense to average assets | 2.2952% | 4,115 |
| Loan and lease loss provision to assets | 0.2286% | 712 |
| Net operating income to assets | 1.0124% | 3,032 |
| Return on assets (ROA) | 1.0124% | 3,042 |
| Pretax return on assets | 1.3511% | 2,421 |
| Return on Equity (ROE) | 7.9118% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.0893% | 3,728 |
| Net charge-offs to loans | 0.4475% | 348 |
| Credit loss provision to net charge-offs | 101.0230% | 2,240 |
| Earnings coverage of net charge-offs (x) | 6.9796% | 2,838 |
| Efficiency ratio | 59.2321% | 3,928 |
| Assets per employee ($millions) | 4.3780% | 3,312 |
| Cash dividends to net income (ytd only)* | 48.3134% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,265 |
| Loan loss allowance to noncurrent loans | 35.9845% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 3.2017% | 212 |
| Noncurrent loans to loans | 4.2422% | 188 |
| Net loans and leases to total assets | 50.1254% | 4,588 |
| Net loans and leases to deposits | 58.1713% | 4,635 |
| Net loans and leases to core deposits | 61.9814% | 4,614 |
| Total domestic deposits to total assets | 86.1687% | 2,111 |
| Equity capital to assets | 12.9361% | 1,363 |
| Core capital (leverage) ratio | 13.6625% | 1,042 |
| Tier 1 risk-based capital ratio | 26.1815% | 668 |
| Total risk-based capital ratio | 27.4345% | 659 |
| Memoranda: | ||
| Average total assets | $230,332,000 | 2,623 |
| Average earning assets | $216,910,750 | 2,600 |
| Average equity | $29,474,250 | 2,372 |
| Average total loans | $116,485,750 | 3,061 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 3,197 |
| Cost of funding earning assets | 0.5788% | 2,367 |
| Net interest margin | 3.5942% | 3,335 |
| Noninterest income to average assets | 0.4818% | 2,963 |
| Noninterest expense to average assets | 2.2939% | 4,157 |
| Loan and lease loss provision to assets | 0.2379% | 667 |
| Net operating income to assets | 0.9964% | 3,036 |
| Return on assets (ROA) | 0.9964% | 3,036 |
| Pretax return on assets | 1.3338% | 2,381 |
| Return on Equity (ROE) | 7.8149% | 3,584 |
| Retained earnings to average equity (ytd only) | 4.0838% | 3,565 |
| Net charge-offs to loans | 0.4782% | 320 |
| Credit loss provision to net charge-offs | 98.5663% | 2,080 |
| Earnings coverage of net charge-offs (x) | 6.5125% | 2,617 |
| Efficiency ratio | 59.3421% | 4,038 |
| Assets per employee ($millions) | 4.5184% | 3,103 |
| Cash dividends to net income (ytd only)* | 47.7431% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,333 |
| Loan loss allowance to noncurrent loans | 31.5591% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.3632% | 196 |
| Noncurrent loans to loans | 4.8162% | 146 |
| Net loans and leases to total assets | 49.5142% | 4,633 |
| Net loans and leases to deposits | 57.0085% | 4,700 |
| Net loans and leases to core deposits | 60.4136% | 4,683 |
| Total domestic deposits to total assets | 86.8541% | 1,900 |
| Equity capital to assets | 12.7692% | 1,408 |
| Core capital (leverage) ratio | 13.4410% | 1,082 |
| Tier 1 risk-based capital ratio | 25.8114% | 686 |
| Total risk-based capital ratio | 27.0646% | 664 |
| Memoranda: | ||
| Average total assets | $231,223,670 | 2,629 |
| Average earning assets | $217,682,330 | 2,604 |
| Average equity | $29,482,330 | 2,382 |
| Average total loans | $116,686,670 | 3,078 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,071 |
| Cost of funding earning assets | 0.5745% | 2,217 |
| Net interest margin | 3.5716% | 3,276 |
| Noninterest income to average assets | 0.4991% | 2,803 |
| Noninterest expense to average assets | 2.3297% | 4,118 |
| Loan and lease loss provision to assets | 0.2418% | 630 |
| Net operating income to assets | 0.9619% | 3,025 |
| Return on assets (ROA) | 0.9619% | 3,042 |
| Pretax return on assets | 1.2987% | 2,370 |
| Return on Equity (ROE) | 7.5497% | 3,562 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,665 |
| Net charge-offs to loans | 0.5226% | 285 |
| Credit loss provision to net charge-offs | 91.5033% | 1,660 |
| Earnings coverage of net charge-offs (x) | 5.8301% | 2,196 |
| Efficiency ratio | 60.1963% | 4,038 |
| Assets per employee ($millions) | 4.4782% | 3,193 |
| Cash dividends to net income (ytd only)* | 49.3716% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 1,505 |
| Loan loss allowance to noncurrent loans | 29.4404% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 3.0704% | 257 |
| Noncurrent loans to loans | 5.0481% | 146 |
| Net loans and leases to total assets | 49.8716% | 4,567 |
| Net loans and leases to deposits | 57.2568% | 4,629 |
| Net loans and leases to core deposits | 61.0820% | 4,611 |
| Total domestic deposits to total assets | 87.1016% | 2,080 |
| Equity capital to assets | 12.5720% | 1,441 |
| Core capital (leverage) ratio | 13.2639% | 1,088 |
| Tier 1 risk-based capital ratio | 25.1730% | 739 |
| Total risk-based capital ratio | 26.4256% | 725 |
| Memoranda: | ||
| Average total assets | $231,617,000 | 2,653 |
| Average earning assets | $218,612,000 | 2,625 |
| Average equity | $29,511,000 | 2,405 |
| Average total loans | $117,100,000 | 3,100 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1881% | 2,732 |
| Cost of funding earning assets | 0.6056% | 1,561 |
| Net interest margin | 3.5825% | 3,232 |
| Noninterest income to average assets | 0.4304% | 3,435 |
| Noninterest expense to average assets | 2.2998% | 4,326 |
| Loan and lease loss provision to assets | 0.7688% | 154 |
| Net operating income to assets | 0.4319% | 4,579 |
| Return on assets (ROA) | 0.4382% | 4,599 |
| Pretax return on assets | 0.7610% | 4,363 |
| Return on Equity (ROE) | 3.3281% | 4,736 |
| Retained earnings to average equity (ytd only) | -1.0687% | 5,196 |
| Net charge-offs to loans | 1.3616% | 120 |
| Credit loss provision to net charge-offs | 109.5975% | 2,383 |
| Earnings coverage of net charge-offs (x) | 2.1666% | 3,793 |
| Efficiency ratio | 60.1433% | 4,240 |
| Assets per employee ($millions) | 4.2661% | 3,551 |
| Cash dividends to net income (ytd only)* | 132.1110% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,350 |
| Loan loss allowance to noncurrent loans | 29.4658% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 3.1454% | 245 |
| Noncurrent loans to loans | 5.1499% | 128 |
| Net loans and leases to total assets | 49.7244% | 4,662 |
| Net loans and leases to deposits | 57.3301% | 4,729 |
| Net loans and leases to core deposits | 61.2981% | 4,696 |
| Total domestic deposits to total assets | 86.7334% | 2,124 |
| Equity capital to assets | 12.9124% | 1,309 |
| Core capital (leverage) ratio | 12.9794% | 1,150 |
| Tier 1 risk-based capital ratio | 25.0673% | 718 |
| Total risk-based capital ratio | 26.3204% | 706 |
| Memoranda: | ||
| Average total assets | $230,234,600 | 2,639 |
| Average earning assets | $217,807,000 | 2,599 |
| Average equity | $30,318,000 | 2,337 |
| Average total loans | $118,610,600 | 3,076 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 2,633 |
| Cost of funding earning assets | 0.6089% | 1,471 |
| Net interest margin | 3.5865% | 3,205 |
| Noninterest income to average assets | 0.4159% | 3,585 |
| Noninterest expense to average assets | 2.3121% | 4,266 |
| Loan and lease loss provision to assets | 0.5908% | 188 |
| Net operating income to assets | 0.6403% | 4,225 |
| Return on assets (ROA) | 0.6481% | 4,255 |
| Pretax return on assets | 0.9186% | 3,973 |
| Return on Equity (ROE) | 4.8979% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.0067% | 4,971 |
| Net charge-offs to loans | 0.9229% | 196 |
| Credit loss provision to net charge-offs | 123.6364% | 1,966 |
| Earnings coverage of net charge-offs (x) | 3.1358% | 3,374 |
| Efficiency ratio | 60.5867% | 4,121 |
| Assets per employee ($millions) | 4.3147% | 3,449 |
| Cash dividends to net income (ytd only)* | 79.4458% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,452 |
| Loan loss allowance to noncurrent loans | 27.1592% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 3.4186% | 238 |
| Noncurrent loans to loans | 5.6078% | 122 |
| Net loans and leases to total assets | 50.0912% | 4,693 |
| Net loans and leases to deposits | 57.9751% | 4,760 |
| Net loans and leases to core deposits | 61.8608% | 4,718 |
| Total domestic deposits to total assets | 86.4013% | 2,131 |
| Equity capital to assets | 13.2549% | 1,273 |
| Core capital (leverage) ratio | 13.4042% | 1,059 |
| Tier 1 risk-based capital ratio | 25.0206% | 749 |
| Total risk-based capital ratio | 26.2733% | 731 |
| Memoranda: | ||
| Average total assets | $230,201,250 | 2,662 |
| Average earning assets | $217,884,000 | 2,621 |
| Average equity | $30,461,000 | 2,343 |
| Average total loans | $119,184,750 | 3,095 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,542 |
| Cost of funding earning assets | 0.6138% | 1,366 |
| Net interest margin | 3.5668% | 3,156 |
| Noninterest income to average assets | 0.4187% | 3,573 |
| Noninterest expense to average assets | 2.2672% | 4,429 |
| Loan and lease loss provision to assets | 0.7415% | 142 |
| Net operating income to assets | 0.5528% | 4,510 |
| Return on assets (ROA) | 0.5644% | 4,504 |
| Pretax return on assets | 0.8078% | 4,239 |
| Return on Equity (ROE) | 4.2678% | 4,744 |
| Retained earnings to average equity (ytd only) | -0.8707% | 5,216 |
| Net charge-offs to loans | 1.3533% | 136 |
| Credit loss provision to net charge-offs | 105.1980% | 1,950 |
| Earnings coverage of net charge-offs (x) | 2.1745% | 3,196 |
| Efficiency ratio | 59.5271% | 4,397 |
| Assets per employee ($millions) | 4.0550% | 3,868 |
| Cash dividends to net income (ytd only)* | 120.4019% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,934 |
| Loan loss allowance to noncurrent loans | 22.4670% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 3.8224% | 185 |
| Noncurrent loans to loans | 6.2524% | 93 |
| Net loans and leases to total assets | 51.0617% | 4,639 |
| Net loans and leases to deposits | 59.4447% | 4,672 |
| Net loans and leases to core deposits | 63.5543% | 4,637 |
| Total domestic deposits to total assets | 85.8979% | 2,417 |
| Equity capital to assets | 13.4917% | 1,146 |
| Core capital (leverage) ratio | 13.3452% | 1,039 |
| Tier 1 risk-based capital ratio | 24.8042% | 770 |
| Total risk-based capital ratio | 26.0560% | 749 |
| Memoranda: | ||
| Average total assets | $229,270,670 | 2,687 |
| Average earning assets | $217,339,000 | 2,635 |
| Average equity | $30,320,330 | 2,347 |
| Average total loans | $119,408,330 | 3,103 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 2,896 |
| Cost of funding earning assets | 0.6096% | 1,304 |
| Net interest margin | 3.4323% | 3,518 |
| Noninterest income to average assets | 0.4567% | 3,278 |
| Noninterest expense to average assets | 2.2573% | 4,514 |
| Loan and lease loss provision to assets | 0.6945% | 145 |
| Net operating income to assets | 0.5417% | 4,414 |
| Return on assets (ROA) | 0.5417% | 4,457 |
| Pretax return on assets | 0.7605% | 4,247 |
| Return on Equity (ROE) | 4.1377% | 4,736 |
| Retained earnings to average equity (ytd only) | 0.1989% | 4,871 |
| Net charge-offs to loans | 1.2035% | 148 |
| Credit loss provision to net charge-offs | 110.4972% | 1,475 |
| Earnings coverage of net charge-offs (x) | 2.3149% | 2,609 |
| Efficiency ratio | 60.5706% | 4,392 |
| Assets per employee ($millions) | 4.0304% | 3,963 |
| Cash dividends to net income (ytd only)* | 95.1923% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 2,161 |
| Loan loss allowance to noncurrent loans | 19.2997% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 4.2946% | 163 |
| Noncurrent loans to loans | 7.1527% | 76 |
| Net loans and leases to total assets | 51.2482% | 4,570 |
| Net loans and leases to deposits | 59.5911% | 4,593 |
| Net loans and leases to core deposits | 63.8119% | 4,548 |
| Total domestic deposits to total assets | 85.9997% | 2,663 |
| Equity capital to assets | 13.2198% | 1,172 |
| Core capital (leverage) ratio | 13.3194% | 1,028 |
| Tier 1 risk-based capital ratio | 24.2175% | 844 |
| Total risk-based capital ratio | 25.4689% | 824 |
| Memoranda: | ||
| Average total assets | $230,366,000 | 2,703 |
| Average earning assets | $218,514,500 | 2,653 |
| Average equity | $30,162,000 | 2,364 |
| Average total loans | $120,311,000 | 3,103 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 2,631 |
| Cost of funding earning assets | 0.6510% | 1,051 |
| Net interest margin | 3.5077% | 3,395 |
| Noninterest income to average assets | 0.4276% | 3,694 |
| Noninterest expense to average assets | 2.2400% | 4,676 |
| Loan and lease loss provision to assets | 0.6294% | 204 |
| Net operating income to assets | 0.6111% | 4,163 |
| Return on assets (ROA) | 0.6134% | 4,268 |
| Pretax return on assets | 0.9087% | 3,821 |
| Return on Equity (ROE) | 4.5662% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.1231% | 4,852 |
| Net charge-offs to loans | 1.3032% | 124 |
| Credit loss provision to net charge-offs | 92.2299% | 2,761 |
| Earnings coverage of net charge-offs (x) | 2.2489% | 3,859 |
| Efficiency ratio | 59.1366% | 4,710 |
| Assets per employee ($millions) | 4.2778% | 3,479 |
| Cash dividends to net income (ytd only)* | 75.4041% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,388 |
| Loan loss allowance to noncurrent loans | 22.4328% | 5,210 |
| Noncurrent assets plus other real estate owned to assets | 3.1389% | 302 |
| Noncurrent loans to loans | 5.9196% | 104 |
| Net loans and leases to total assets | 51.7881% | 4,628 |
| Net loans and leases to deposits | 59.7477% | 4,688 |
| Net loans and leases to core deposits | 64.2107% | 4,621 |
| Total domestic deposits to total assets | 86.6780% | 2,298 |
| Equity capital to assets | 12.9670% | 1,270 |
| Core capital (leverage) ratio | 12.8970% | 1,175 |
| Tier 1 risk-based capital ratio | 23.9342% | 870 |
| Total risk-based capital ratio | 25.1850% | 851 |
| Memoranda: | ||
| Average total assets | $231,967,200 | 2,642 |
| Average earning assets | $221,338,600 | 2,582 |
| Average equity | $31,163,800 | 2,278 |
| Average total loans | $121,467,000 | 3,046 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 2,561 |
| Cost of funding earning assets | 0.6556% | 1,030 |
| Net interest margin | 3.5289% | 3,361 |
| Noninterest income to average assets | 0.4301% | 3,694 |
| Noninterest expense to average assets | 2.2772% | 4,589 |
| Loan and lease loss provision to assets | 0.0345% | 3,545 |
| Net operating income to assets | 1.0212% | 2,325 |
| Return on assets (ROA) | 1.0243% | 2,451 |
| Pretax return on assets | 1.4952% | 1,722 |
| Return on Equity (ROE) | 7.5592% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.9491% | 2,862 |
| Net charge-offs to loans | 0.0296% | 3,066 |
| Credit loss provision to net charge-offs | 222.2222% | 1,323 |
| Earnings coverage of net charge-offs (x) | 98.3678% | 670 |
| Efficiency ratio | 59.6799% | 4,587 |
| Assets per employee ($millions) | 4.2952% | 3,421 |
| Cash dividends to net income (ytd only)* | 34.5290% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 2,160 |
| Loan loss allowance to noncurrent loans | 25.7247% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.9179% | 406 |
| Noncurrent loans to loans | 5.4760% | 140 |
| Net loans and leases to total assets | 52.3206% | 4,633 |
| Net loans and leases to deposits | 62.0770% | 4,625 |
| Net loans and leases to core deposits | 66.2544% | 4,588 |
| Total domestic deposits to total assets | 84.2834% | 3,102 |
| Equity capital to assets | 13.6839% | 1,167 |
| Core capital (leverage) ratio | 13.3417% | 1,051 |
| Tier 1 risk-based capital ratio | 24.3581% | 870 |
| Total risk-based capital ratio | 25.6103% | 857 |
| Memoranda: | ||
| Average total assets | $232,208,750 | 2,649 |
| Average earning assets | $221,893,500 | 2,586 |
| Average equity | $31,466,250 | 2,272 |
| Average total loans | $121,523,500 | 3,046 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2265% | 2,420 |
| Cost of funding earning assets | 0.6661% | 958 |
| Net interest margin | 3.5603% | 3,251 |
| Noninterest income to average assets | 0.4375% | 3,617 |
| Noninterest expense to average assets | 2.2732% | 4,677 |
| Loan and lease loss provision to assets | 0.0520% | 3,106 |
| Net operating income to assets | 1.0470% | 2,200 |
| Return on assets (ROA) | 1.0500% | 2,302 |
| Pretax return on assets | 1.5152% | 1,624 |
| Return on Equity (ROE) | 7.7743% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.8692% | 2,201 |
| Net charge-offs to loans | 0.1480% | 1,443 |
| Credit loss provision to net charge-offs | 67.4157% | 2,501 |
| Earnings coverage of net charge-offs (x) | 20.2697% | 1,734 |
| Efficiency ratio | 59.0560% | 4,764 |
| Assets per employee ($millions) | 4.0911% | 3,751 |
| Cash dividends to net income (ytd only)* | 24.5050% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 2,251 |
| Loan loss allowance to noncurrent loans | 28.8863% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.5417% | 538 |
| Noncurrent loans to loans | 4.8784% | 185 |
| Net loans and leases to total assets | 51.1235% | 4,754 |
| Net loans and leases to deposits | 60.6653% | 4,757 |
| Net loans and leases to core deposits | 64.8701% | 4,690 |
| Total domestic deposits to total assets | 84.2715% | 3,166 |
| Equity capital to assets | 13.7190% | 1,136 |
| Core capital (leverage) ratio | 13.4121% | 1,010 |
| Tier 1 risk-based capital ratio | 24.8599% | 821 |
| Total risk-based capital ratio | 26.1115% | 808 |
| Memoranda: | ||
| Average total assets | $230,867,000 | 2,671 |
| Average earning assets | $220,373,000 | 2,609 |
| Average equity | $31,179,670 | 2,295 |
| Average total loans | $120,243,000 | 3,076 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 2,242 |
| Cost of funding earning assets | 0.6737% | 924 |
| Net interest margin | 3.5951% | 3,102 |
| Noninterest income to average assets | 0.4649% | 3,376 |
| Noninterest expense to average assets | 2.3004% | 4,664 |
| Loan and lease loss provision to assets | 0.0697% | 2,557 |
| Net operating income to assets | 1.0649% | 2,030 |
| Return on assets (ROA) | 1.0709% | 2,126 |
| Pretax return on assets | 1.5324% | 1,498 |
| Return on Equity (ROE) | 7.9939% | 2,915 |
| Retained earnings to average equity (ytd only) | 4.1334% | 3,417 |
| Net charge-offs to loans | 0.2002% | 996 |
| Credit loss provision to net charge-offs | 66.6667% | 1,925 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,666 |
| Efficiency ratio | 58.8551% | 4,892 |
| Assets per employee ($millions) | 4.0285% | 3,900 |
| Cash dividends to net income (ytd only)* | 48.2927% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 2,261 |
| Loan loss allowance to noncurrent loans | 30.4479% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.4975% | 595 |
| Noncurrent loans to loans | 4.7180% | 222 |
| Net loans and leases to total assets | 51.1845% | 4,709 |
| Net loans and leases to deposits | 59.6696% | 4,738 |
| Net loans and leases to core deposits | 64.2770% | 4,671 |
| Total domestic deposits to total assets | 85.7799% | 2,771 |
| Equity capital to assets | 13.5551% | 1,159 |
| Core capital (leverage) ratio | 13.1968% | 1,084 |
| Tier 1 risk-based capital ratio | 24.8127% | 834 |
| Total risk-based capital ratio | 26.0646% | 817 |
| Memoranda: | ||
| Average total assets | $229,703,500 | 2,694 |
| Average earning assets | $219,075,000 | 2,634 |
| Average equity | $30,773,500 | 2,316 |
| Average total loans | $119,904,000 | 3,090 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,596 |
| Cost of funding earning assets | 0.7052% | 795 |
| Net interest margin | 3.7956% | 2,394 |
| Noninterest income to average assets | 0.3879% | 4,129 |
| Noninterest expense to average assets | 2.3393% | 4,678 |
| Loan and lease loss provision to assets | 0.2324% | 849 |
| Net operating income to assets | 1.0564% | 2,102 |
| Return on assets (ROA) | 1.0689% | 2,124 |
| Pretax return on assets | 1.4355% | 1,766 |
| Return on Equity (ROE) | 8.1441% | 2,877 |
| Retained earnings to average equity (ytd only) | 3.0048% | 3,920 |
| Net charge-offs to loans | 0.4227% | 668 |
| Credit loss provision to net charge-offs | 106.5737% | 2,360 |
| Earnings coverage of net charge-offs (x) | 7.5717% | 3,062 |
| Efficiency ratio | 58.4304% | 5,095 |
| Assets per employee ($millions) | 4.0312% | 3,875 |
| Cash dividends to net income (ytd only)* | 63.1044% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 2,259 |
| Loan loss allowance to noncurrent loans | 31.7690% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.4110% | 655 |
| Noncurrent loans to loans | 4.5246% | 235 |
| Net loans and leases to total assets | 51.7140% | 4,715 |
| Net loans and leases to deposits | 60.5020% | 4,735 |
| Net loans and leases to core deposits | 65.0861% | 4,662 |
| Total domestic deposits to total assets | 85.4749% | 2,875 |
| Equity capital to assets | 13.2391% | 1,239 |
| Core capital (leverage) ratio | 12.9826% | 1,155 |
| Tier 1 risk-based capital ratio | 24.1933% | 904 |
| Total risk-based capital ratio | 25.4452% | 886 |
| Memoranda: | ||
| Average total assets | $230,238,000 | 2,662 |
| Average earning assets | $218,516,200 | 2,602 |
| Average equity | $30,218,200 | 2,309 |
| Average total loans | $118,757,800 | 3,072 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,479 |
| Cost of funding earning assets | 0.7100% | 797 |
| Net interest margin | 3.8331% | 2,258 |
| Noninterest income to average assets | 0.3901% | 4,155 |
| Noninterest expense to average assets | 2.3054% | 4,765 |
| Loan and lease loss provision to assets | 0.1621% | 1,318 |
| Net operating income to assets | 1.0926% | 2,042 |
| Return on assets (ROA) | 1.1084% | 2,048 |
| Pretax return on assets | 1.5796% | 1,444 |
| Return on Equity (ROE) | 8.4636% | 2,841 |
| Retained earnings to average equity (ytd only) | 4.5301% | 3,246 |
| Net charge-offs to loans | 0.4283% | 594 |
| Credit loss provision to net charge-offs | 73.6842% | 2,705 |
| Earnings coverage of net charge-offs (x) | 7.8158% | 2,878 |
| Efficiency ratio | 57.0833% | 5,216 |
| Assets per employee ($millions) | 4.0527% | 3,798 |
| Cash dividends to net income (ytd only)* | 46.4753% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 3,015 |
| Loan loss allowance to noncurrent loans | 32.9015% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2913% | 802 |
| Noncurrent loans to loans | 3.9944% | 327 |
| Net loans and leases to total assets | 52.0106% | 4,758 |
| Net loans and leases to deposits | 61.3904% | 4,765 |
| Net loans and leases to core deposits | 66.3662% | 4,665 |
| Total domestic deposits to total assets | 84.7210% | 3,119 |
| Equity capital to assets | 13.2825% | 1,316 |
| Core capital (leverage) ratio | 13.1986% | 1,138 |
| Tier 1 risk-based capital ratio | 24.5667% | 894 |
| Total risk-based capital ratio | 25.8177% | 879 |
| Memoranda: | ||
| Average total assets | $230,352,250 | 2,680 |
| Average earning assets | $218,407,750 | 2,619 |
| Average equity | $30,167,500 | 2,322 |
| Average total loans | $118,306,750 | 3,102 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,392 |
| Cost of funding earning assets | 0.7208% | 757 |
| Net interest margin | 3.5203% | 3,414 |
| Noninterest income to average assets | 0.3946% | 4,117 |
| Noninterest expense to average assets | 2.3030% | 4,837 |
| Loan and lease loss provision to assets | 0.0521% | 3,076 |
| Net operating income to assets | 1.0089% | 2,344 |
| Return on assets (ROA) | 1.0159% | 2,419 |
| Pretax return on assets | 1.3853% | 2,046 |
| Return on Equity (ROE) | 7.7945% | 3,168 |
| Retained earnings to average equity (ytd only) | 3.8339% | 3,560 |
| Net charge-offs to loans | 0.4814% | 525 |
| Credit loss provision to net charge-offs | 21.2766% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.8262% | 2,879 |
| Efficiency ratio | 61.5188% | 4,753 |
| Assets per employee ($millions) | 4.0264% | 3,834 |
| Cash dividends to net income (ytd only)* | 50.8127% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 3,455 |
| Loan loss allowance to noncurrent loans | 27.8710% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.3442% | 850 |
| Noncurrent loans to loans | 4.5220% | 298 |
| Net loans and leases to total assets | 50.4536% | 4,893 |
| Net loans and leases to deposits | 59.3681% | 4,902 |
| Net loans and leases to core deposits | 63.2001% | 4,862 |
| Total domestic deposits to total assets | 84.9843% | 3,128 |
| Equity capital to assets | 13.0254% | 1,393 |
| Core capital (leverage) ratio | 12.8792% | 1,223 |
| Tier 1 risk-based capital ratio | 24.8308% | 881 |
| Total risk-based capital ratio | 26.0801% | 869 |
| Memoranda: | ||
| Average total assets | $230,135,330 | 2,699 |
| Average earning assets | $218,105,330 | 2,640 |
| Average equity | $29,995,670 | 2,340 |
| Average total loans | $117,160,330 | 3,136 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 2,289 |
| Cost of funding earning assets | 0.7293% | 737 |
| Net interest margin | 3.5165% | 3,367 |
| Noninterest income to average assets | 0.4200% | 3,844 |
| Noninterest expense to average assets | 2.3103% | 4,851 |
| Loan and lease loss provision to assets | 0.0521% | 2,896 |
| Net operating income to assets | 1.0119% | 2,208 |
| Return on assets (ROA) | 1.0258% | 2,290 |
| Pretax return on assets | 1.4077% | 1,864 |
| Return on Equity (ROE) | 7.8678% | 3,022 |
| Retained earnings to average equity (ytd only) | 3.9139% | 3,648 |
| Net charge-offs to loans | 0.1059% | 1,679 |
| Credit loss provision to net charge-offs | 96.7742% | 1,698 |
| Earnings coverage of net charge-offs (x) | 26.7742% | 1,231 |
| Efficiency ratio | 61.3605% | 4,910 |
| Assets per employee ($millions) | 4.0178% | 3,924 |
| Cash dividends to net income (ytd only)* | 50.2538% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4468% | 2,694 |
| Loan loss allowance to noncurrent loans | 32.2024% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 2.3276% | 951 |
| Noncurrent loans to loans | 4.4927% | 350 |
| Net loans and leases to total assets | 49.6655% | 4,887 |
| Net loans and leases to deposits | 57.3626% | 4,959 |
| Net loans and leases to core deposits | 61.5758% | 4,869 |
| Total domestic deposits to total assets | 86.5816% | 2,619 |
| Equity capital to assets | 13.0051% | 1,403 |
| Core capital (leverage) ratio | 12.8042% | 1,233 |
| Tier 1 risk-based capital ratio | 24.8640% | 897 |
| Total risk-based capital ratio | 26.1160% | 884 |
| Memoranda: | ||
| Average total assets | $230,450,000 | 2,717 |
| Average earning assets | $218,288,000 | 2,659 |
| Average equity | $30,046,500 | 2,348 |
| Average total loans | $117,104,500 | 3,140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3883% | 2,259 |
| Cost of funding earning assets | 0.7647% | 786 |
| Net interest margin | 3.6236% | 3,324 |
| Noninterest income to average assets | 0.3997% | 4,181 |
| Noninterest expense to average assets | 2.2877% | 5,142 |
| Loan and lease loss provision to assets | 0.1918% | 1,336 |
| Net operating income to assets | 0.9837% | 2,463 |
| Return on assets (ROA) | 1.0229% | 2,359 |
| Pretax return on assets | 1.4195% | 1,817 |
| Return on Equity (ROE) | 8.1176% | 3,069 |
| Retained earnings to average equity (ytd only) | 3.6974% | 3,581 |
| Net charge-offs to loans | 0.5638% | 720 |
| Credit loss provision to net charge-offs | 65.5738% | 3,170 |
| Earnings coverage of net charge-offs (x) | 5.3234% | 3,452 |
| Efficiency ratio | 59.3017% | 5,306 |
| Assets per employee ($millions) | 3.7978% | 4,350 |
| Cash dividends to net income (ytd only)* | 54.4525% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4558% | 2,665 |
| Loan loss allowance to noncurrent loans | 30.5097% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.5273% | 908 |
| Noncurrent loans to loans | 4.7716% | 326 |
| Net loans and leases to total assets | 50.5001% | 4,919 |
| Net loans and leases to deposits | 58.3599% | 5,041 |
| Net loans and leases to core deposits | 62.8171% | 4,935 |
| Total domestic deposits to total assets | 86.5322% | 2,555 |
| Equity capital to assets | 13.0720% | 1,334 |
| Core capital (leverage) ratio | 12.7117% | 1,246 |
| Tier 1 risk-based capital ratio | 25.7394% | 781 |
| Total risk-based capital ratio | 26.9933% | 767 |
| Memoranda: | ||
| Average total assets | $229,446,600 | 2,706 |
| Average earning assets | $218,124,000 | 2,640 |
| Average equity | $28,912,400 | 2,354 |
| Average total loans | $119,015,000 | 3,066 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 2,162 |
| Cost of funding earning assets | 0.7663% | 813 |
| Net interest margin | 3.6523% | 3,215 |
| Noninterest income to average assets | 0.4072% | 4,189 |
| Noninterest expense to average assets | 2.2966% | 5,120 |
| Loan and lease loss provision to assets | 0.1943% | 1,239 |
| Net operating income to assets | 0.9804% | 2,541 |
| Return on assets (ROA) | 1.0303% | 2,381 |
| Pretax return on assets | 1.4589% | 1,779 |
| Return on Equity (ROE) | 8.2525% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.3260% | 3,572 |
| Net charge-offs to loans | 0.6646% | 532 |
| Credit loss provision to net charge-offs | 56.2081% | 3,007 |
| Earnings coverage of net charge-offs (x) | 4.5788% | 3,421 |
| Efficiency ratio | 58.9862% | 5,314 |
| Assets per employee ($millions) | 3.8096% | 4,270 |
| Cash dividends to net income (ytd only)* | 47.5789% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 3,103 |
| Loan loss allowance to noncurrent loans | 28.0908% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 2.7619% | 899 |
| Noncurrent loans to loans | 5.0323% | 361 |
| Net loans and leases to total assets | 50.9535% | 4,899 |
| Net loans and leases to deposits | 59.4891% | 4,988 |
| Net loans and leases to core deposits | 63.7831% | 4,899 |
| Total domestic deposits to total assets | 85.6518% | 3,041 |
| Equity capital to assets | 12.8672% | 1,491 |
| Core capital (leverage) ratio | 12.6628% | 1,325 |
| Tier 1 risk-based capital ratio | 25.5432% | 825 |
| Total risk-based capital ratio | 26.7962% | 814 |
| Memoranda: | ||
| Average total assets | $229,841,000 | 2,721 |
| Average earning assets | $218,522,000 | 2,651 |
| Average equity | $28,693,750 | 2,374 |
| Average total loans | $119,575,250 | 3,060 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 1,826 |
| Cost of funding earning assets | 0.7694% | 837 |
| Net interest margin | 3.7325% | 2,831 |
| Noninterest income to average assets | 0.4160% | 4,129 |
| Noninterest expense to average assets | 2.2453% | 5,299 |
| Loan and lease loss provision to assets | 0.2128% | 1,108 |
| Net operating income to assets | 1.0611% | 2,074 |
| Return on assets (ROA) | 1.0848% | 2,054 |
| Pretax return on assets | 1.5400% | 1,428 |
| Return on Equity (ROE) | 8.7789% | 2,705 |
| Retained earnings to average equity (ytd only) | 4.9342% | 3,000 |
| Net charge-offs to loans | 0.2332% | 1,645 |
| Credit loss provision to net charge-offs | 175.0000% | 1,301 |
| Earnings coverage of net charge-offs (x) | 14.1357% | 1,929 |
| Efficiency ratio | 56.4417% | 5,697 |
| Assets per employee ($millions) | 3.8169% | 4,223 |
| Cash dividends to net income (ytd only)* | 43.7950% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 2,128 |
| Loan loss allowance to noncurrent loans | 31.9423% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.9811% | 854 |
| Noncurrent loans to loans | 5.3309% | 353 |
| Net loans and leases to total assets | 51.3207% | 4,816 |
| Net loans and leases to deposits | 59.5039% | 4,908 |
| Net loans and leases to core deposits | 63.4065% | 4,869 |
| Total domestic deposits to total assets | 86.2475% | 2,898 |
| Equity capital to assets | 12.7687% | 1,509 |
| Core capital (leverage) ratio | 12.4539% | 1,421 |
| Tier 1 risk-based capital ratio | 25.3141% | 841 |
| Total risk-based capital ratio | 26.5713% | 821 |
| Memoranda: | ||
| Average total assets | $230,263,670 | 2,726 |
| Average earning assets | $218,885,670 | 2,649 |
| Average equity | $28,454,670 | 2,377 |
| Average total loans | $120,055,000 | 3,061 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,536 |
| Cost of funding earning assets | 0.7684% | 892 |
| Net interest margin | 3.8200% | 2,386 |
| Noninterest income to average assets | 0.4418% | 3,850 |
| Noninterest expense to average assets | 2.1898% | 5,485 |
| Loan and lease loss provision to assets | 0.2772% | 742 |
| Net operating income to assets | 1.1243% | 1,720 |
| Return on assets (ROA) | 1.1243% | 1,784 |
| Pretax return on assets | 1.6008% | 1,172 |
| Return on Equity (ROE) | 9.2513% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.3455% | 2,891 |
| Net charge-offs to loans | 0.2826% | 1,217 |
| Credit loss provision to net charge-offs | 188.2353% | 1,092 |
| Earnings coverage of net charge-offs (x) | 12.7529% | 1,697 |
| Efficiency ratio | 53.6201% | 6,043 |
| Assets per employee ($millions) | 4.0703% | 3,780 |
| Cash dividends to net income (ytd only)* | 42.2188% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 2,453 |
| Loan loss allowance to noncurrent loans | 27.9193% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 3.1434% | 873 |
| Noncurrent loans to loans | 5.9663% | 306 |
| Net loans and leases to total assets | 51.0420% | 4,793 |
| Net loans and leases to deposits | 58.9996% | 4,839 |
| Net loans and leases to core deposits | 63.7189% | 4,711 |
| Total domestic deposits to total assets | 86.5125% | 3,101 |
| Equity capital to assets | 12.2492% | 1,716 |
| Core capital (leverage) ratio | 12.3219% | 1,466 |
| Tier 1 risk-based capital ratio | 24.7286% | 915 |
| Total risk-based capital ratio | 25.9849% | 898 |
| Memoranda: | ||
| Average total assets | $230,889,000 | 2,736 |
| Average earning assets | $219,162,000 | 2,662 |
| Average equity | $28,061,000 | 2,402 |
| Average total loans | $120,299,000 | 3,069 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 2,740 |
| Cost of funding earning assets | 0.8111% | 1,155 |
| Net interest margin | 3.5474% | 3,698 |
| Noninterest income to average assets | 0.4083% | 4,388 |
| Noninterest expense to average assets | 2.1352% | 5,758 |
| Loan and lease loss provision to assets | 0.5199% | 533 |
| Net operating income to assets | 0.8161% | 3,211 |
| Return on assets (ROA) | 0.8613% | 3,053 |
| Pretax return on assets | 1.1885% | 2,624 |
| Return on Equity (ROE) | 7.0928% | 3,517 |
| Retained earnings to average equity (ytd only) | 3.0584% | 4,052 |
| Net charge-offs to loans | 0.6929% | 936 |
| Credit loss provision to net charge-offs | 145.9036% | 1,595 |
| Earnings coverage of net charge-offs (x) | 4.6181% | 3,512 |
| Efficiency ratio | 56.2685% | 5,921 |
| Assets per employee ($millions) | 4.1031% | 3,644 |
| Cash dividends to net income (ytd only)* | 56.8794% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 2,735 |
| Loan loss allowance to noncurrent loans | 26.6897% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 3.1958% | 960 |
| Noncurrent loans to loans | 6.0206% | 341 |
| Net loans and leases to total assets | 51.4599% | 4,923 |
| Net loans and leases to deposits | 59.3631% | 4,997 |
| Net loans and leases to core deposits | 64.2626% | 4,843 |
| Total domestic deposits to total assets | 86.6867% | 2,882 |
| Equity capital to assets | 12.0568% | 1,767 |
| Core capital (leverage) ratio | 12.1686% | 1,512 |
| Tier 1 risk-based capital ratio | 24.3283% | 921 |
| Total risk-based capital ratio | 25.5845% | 909 |
| Memoranda: | ||
| Average total assets | $232,908,200 | 2,691 |
| Average earning assets | $221,432,600 | 2,603 |
| Average equity | $28,282,400 | 2,360 |
| Average total loans | $119,791,200 | 3,043 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,916 |
| Cost of funding earning assets | 0.8180% | 1,219 |
| Net interest margin | 3.4995% | 3,887 |
| Noninterest income to average assets | 0.4165% | 4,398 |
| Noninterest expense to average assets | 2.1481% | 5,723 |
| Loan and lease loss provision to assets | 0.4513% | 630 |
| Net operating income to assets | 0.8581% | 3,054 |
| Return on assets (ROA) | 0.8992% | 2,959 |
| Pretax return on assets | 1.2010% | 2,690 |
| Return on Equity (ROE) | 7.3918% | 3,440 |
| Retained earnings to average equity (ytd only) | 3.5364% | 4,180 |
| Net charge-offs to loans | 0.6416% | 953 |
| Credit loss provision to net charge-offs | 137.3264% | 1,708 |
| Earnings coverage of net charge-offs (x) | 4.8611% | 3,338 |
| Efficiency ratio | 57.1363% | 5,784 |
| Assets per employee ($millions) | 4.0159% | 3,803 |
| Cash dividends to net income (ytd only)* | 52.1573% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 3,635 |
| Loan loss allowance to noncurrent loans | 35.5131% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2184% | 1,796 |
| Noncurrent loans to loans | 4.1156% | 844 |
| Net loans and leases to total assets | 51.9851% | 4,875 |
| Net loans and leases to deposits | 60.2774% | 4,941 |
| Net loans and leases to core deposits | 65.5560% | 4,750 |
| Total domestic deposits to total assets | 86.2431% | 3,107 |
| Equity capital to assets | 12.2331% | 1,759 |
| Core capital (leverage) ratio | 12.1488% | 1,590 |
| Tier 1 risk-based capital ratio | 24.2729% | 959 |
| Total risk-based capital ratio | 25.5271% | 938 |
| Memoranda: | ||
| Average total assets | $233,692,500 | 2,701 |
| Average earning assets | $222,313,500 | 2,606 |
| Average equity | $28,427,250 | 2,376 |
| Average total loans | $119,696,250 | 3,065 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 3,364 |
| Cost of funding earning assets | 0.8178% | 1,325 |
| Net interest margin | 3.3827% | 4,255 |
| Noninterest income to average assets | 0.4114% | 4,433 |
| Noninterest expense to average assets | 2.1208% | 5,830 |
| Loan and lease loss provision to assets | 0.3825% | 836 |
| Net operating income to assets | 0.8507% | 3,039 |
| Return on assets (ROA) | 0.9036% | 2,916 |
| Pretax return on assets | 1.1994% | 2,682 |
| Return on Equity (ROE) | 7.4416% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.6053% | 4,023 |
| Net charge-offs to loans | 0.7156% | 910 |
| Credit loss provision to net charge-offs | 105.3864% | 2,099 |
| Earnings coverage of net charge-offs (x) | 4.1639% | 3,202 |
| Efficiency ratio | 58.1793% | 5,712 |
| Assets per employee ($millions) | 4.0661% | 3,654 |
| Cash dividends to net income (ytd only)* | 51.5522% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,534 |
| Loan loss allowance to noncurrent loans | 30.5022% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 2.2037% | 1,960 |
| Noncurrent loans to loans | 4.2453% | 874 |
| Net loans and leases to total assets | 50.8425% | 5,015 |
| Net loans and leases to deposits | 58.9326% | 5,078 |
| Net loans and leases to core deposits | 64.5403% | 4,835 |
| Total domestic deposits to total assets | 86.2724% | 3,219 |
| Equity capital to assets | 11.8076% | 2,041 |
| Core capital (leverage) ratio | 11.7184% | 1,787 |
| Tier 1 risk-based capital ratio | 23.8355% | 1,018 |
| Total risk-based capital ratio | 25.0900% | 1,002 |
| Memoranda: | ||
| Average total assets | $235,288,670 | 2,693 |
| Average earning assets | $224,023,330 | 2,599 |
| Average equity | $28,569,000 | 2,384 |
| Average total loans | $119,341,330 | 3,084 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 3,830 |
| Cost of funding earning assets | 0.8282% | 1,380 |
| Net interest margin | 3.2448% | 4,745 |
| Noninterest income to average assets | 0.4527% | 4,107 |
| Noninterest expense to average assets | 2.1037% | 5,905 |
| Loan and lease loss provision to assets | 0.1021% | 2,974 |
| Net operating income to assets | 0.9644% | 2,377 |
| Return on assets (ROA) | 0.9889% | 2,397 |
| Pretax return on assets | 1.3684% | 1,977 |
| Return on Equity (ROE) | 8.0330% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.2447% | 3,683 |
| Net charge-offs to loans | 0.2097% | 2,161 |
| Credit loss provision to net charge-offs | 96.7742% | 1,916 |
| Earnings coverage of net charge-offs (x) | 13.6129% | 1,518 |
| Efficiency ratio | 59.1827% | 5,696 |
| Assets per employee ($millions) | 3.9951% | 3,962 |
| Cash dividends to net income (ytd only)* | 47.1601% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 4,630 |
| Loan loss allowance to noncurrent loans | 27.9928% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 2.3631% | 1,970 |
| Noncurrent loans to loans | 4.6906% | 856 |
| Net loans and leases to total assets | 49.3602% | 5,072 |
| Net loans and leases to deposits | 57.3307% | 5,104 |
| Net loans and leases to core deposits | 62.8915% | 4,859 |
| Total domestic deposits to total assets | 86.0974% | 3,476 |
| Equity capital to assets | 12.2930% | 1,841 |
| Core capital (leverage) ratio | 11.6858% | 1,760 |
| Tier 1 risk-based capital ratio | 24.4350% | 964 |
| Total risk-based capital ratio | 25.6865% | 946 |
| Memoranda: | ||
| Average total assets | $235,017,000 | 2,722 |
| Average earning assets | $223,618,500 | 2,629 |
| Average equity | $28,930,500 | 2,387 |
| Average total loans | $118,274,000 | 3,122 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3543% | 4,016 |
| Cost of funding earning assets | 0.9772% | 1,484 |
| Net interest margin | 3.3771% | 4,969 |
| Noninterest income to average assets | 0.4002% | 4,608 |
| Noninterest expense to average assets | 2.1627% | 5,996 |
| Loan and lease loss provision to assets | 0.2361% | 2,774 |
| Net operating income to assets | 0.8531% | 3,027 |
| Return on assets (ROA) | 0.9695% | 2,699 |
| Pretax return on assets | 1.3794% | 2,111 |
| Return on Equity (ROE) | 7.9764% | 3,094 |
| Retained earnings to average equity (ytd only) | 3.5727% | 3,694 |
| Net charge-offs to loans | 0.4349% | 2,495 |
| Credit loss provision to net charge-offs | 106.5385% | 2,791 |
| Earnings coverage of net charge-offs (x) | 6.5404% | 2,798 |
| Efficiency ratio | 59.6626% | 5,594 |
| Assets per employee ($millions) | 3.9054% | 4,142 |
| Cash dividends to net income (ytd only)* | 55.2088% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,598 |
| Loan loss allowance to noncurrent loans | 27.8627% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 2.3924% | 2,047 |
| Noncurrent loans to loans | 4.6885% | 887 |
| Net loans and leases to total assets | 49.9748% | 5,169 |
| Net loans and leases to deposits | 57.5833% | 5,285 |
| Net loans and leases to core deposits | 63.4094% | 5,024 |
| Total domestic deposits to total assets | 86.7870% | 2,943 |
| Equity capital to assets | 12.3271% | 1,843 |
| Core capital (leverage) ratio | 11.5668% | 1,832 |
| Tier 1 risk-based capital ratio | 24.2733% | 941 |
| Total risk-based capital ratio | 25.5254% | 918 |
| Memoranda: | ||
| Average total assets | $234,660,200 | 2,682 |
| Average earning assets | $223,180,400 | 2,583 |
| Average equity | $28,521,600 | 2,348 |
| Average total loans | $119,561,200 | 3,085 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 4,134 |
| Cost of funding earning assets | 1.0042% | 1,531 |
| Net interest margin | 3.3758% | 5,113 |
| Noninterest income to average assets | 0.4061% | 4,592 |
| Noninterest expense to average assets | 2.1816% | 5,991 |
| Loan and lease loss provision to assets | 0.2215% | 2,849 |
| Net operating income to assets | 0.8343% | 3,289 |
| Return on assets (ROA) | 0.9871% | 2,801 |
| Pretax return on assets | 1.4359% | 2,131 |
| Return on Equity (ROE) | 8.1506% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.2957% | 3,863 |
| Net charge-offs to loans | 0.4085% | 2,461 |
| Credit loss provision to net charge-offs | 106.2670% | 2,765 |
| Earnings coverage of net charge-offs (x) | 6.8883% | 2,695 |
| Efficiency ratio | 60.0879% | 5,480 |
| Assets per employee ($millions) | 3.9976% | 3,878 |
| Cash dividends to net income (ytd only)* | 47.2955% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 4,793 |
| Loan loss allowance to noncurrent loans | 29.0049% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 2.3070% | 2,305 |
| Noncurrent loans to loans | 4.4986% | 1,045 |
| Net loans and leases to total assets | 50.2072% | 5,291 |
| Net loans and leases to deposits | 58.8741% | 5,331 |
| Net loans and leases to core deposits | 64.9110% | 5,061 |
| Total domestic deposits to total assets | 85.2790% | 3,627 |
| Equity capital to assets | 12.5624% | 1,852 |
| Core capital (leverage) ratio | 11.4605% | 2,013 |
| Tier 1 risk-based capital ratio | 24.2644% | 985 |
| Total risk-based capital ratio | 25.5166% | 968 |
| Memoranda: | ||
| Average total assets | $234,744,750 | 2,702 |
| Average earning assets | $223,312,000 | 2,602 |
| Average equity | $28,430,750 | 2,371 |
| Average total loans | $119,788,500 | 3,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 4,281 |
| Cost of funding earning assets | 1.0227% | 1,629 |
| Net interest margin | 3.3525% | 5,258 |
| Noninterest income to average assets | 0.4200% | 4,501 |
| Noninterest expense to average assets | 2.1849% | 6,051 |
| Loan and lease loss provision to assets | 0.2630% | 2,474 |
| Net operating income to assets | 0.8040% | 3,381 |
| Return on assets (ROA) | 0.9919% | 2,725 |
| Pretax return on assets | 1.4348% | 2,069 |
| Return on Equity (ROE) | 8.2912% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.4045% | 3,680 |
| Net charge-offs to loans | 0.4817% | 2,143 |
| Credit loss provision to net charge-offs | 106.8966% | 2,549 |
| Earnings coverage of net charge-offs (x) | 5.7931% | 2,753 |
| Efficiency ratio | 60.3055% | 5,526 |
| Assets per employee ($millions) | 4.1816% | 3,497 |
| Cash dividends to net income (ytd only)* | 46.8777% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 4,961 |
| Loan loss allowance to noncurrent loans | 29.7674% | 6,169 |
| Noncurrent assets plus other real estate owned to assets | 2.2047% | 2,539 |
| Noncurrent loans to loans | 4.3130% | 1,248 |
| Net loans and leases to total assets | 49.5502% | 5,415 |
| Net loans and leases to deposits | 58.0778% | 5,437 |
| Net loans and leases to core deposits | 64.7502% | 5,128 |
| Total domestic deposits to total assets | 85.3170% | 3,702 |
| Equity capital to assets | 12.0159% | 2,134 |
| Core capital (leverage) ratio | 11.2134% | 2,115 |
| Tier 1 risk-based capital ratio | 23.4330% | 1,079 |
| Total risk-based capital ratio | 24.6849% | 1,064 |
| Memoranda: | ||
| Average total assets | $235,706,670 | 2,704 |
| Average earning assets | $224,307,000 | 2,594 |
| Average equity | $28,198,670 | 2,374 |
| Average total loans | $120,401,670 | 3,124 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 4,088 |
| Cost of funding earning assets | 1.0552% | 1,644 |
| Net interest margin | 3.4006% | 5,117 |
| Noninterest income to average assets | 0.4403% | 4,370 |
| Noninterest expense to average assets | 2.2408% | 5,933 |
| Loan and lease loss provision to assets | 0.4266% | 1,468 |
| Net operating income to assets | 0.7016% | 3,874 |
| Return on assets (ROA) | 0.9369% | 2,967 |
| Pretax return on assets | 1.3431% | 2,380 |
| Return on Equity (ROE) | 7.8490% | 3,347 |
| Retained earnings to average equity (ytd only) | 3.9317% | 4,230 |
| Net charge-offs to loans | 0.7021% | 1,423 |
| Credit loss provision to net charge-offs | 117.9245% | 2,008 |
| Earnings coverage of net charge-offs (x) | 3.9623% | 2,705 |
| Efficiency ratio | 60.7989% | 5,490 |
| Assets per employee ($millions) | 4.1597% | 3,666 |
| Cash dividends to net income (ytd only)* | 49.9089% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 5,037 |
| Loan loss allowance to noncurrent loans | 28.6769% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2914% | 2,597 |
| Noncurrent loans to loans | 4.5230% | 1,286 |
| Net loans and leases to total assets | 49.8754% | 5,322 |
| Net loans and leases to deposits | 57.1511% | 5,470 |
| Net loans and leases to core deposits | 65.1437% | 5,002 |
| Total domestic deposits to total assets | 87.2692% | 2,788 |
| Equity capital to assets | 11.8476% | 2,148 |
| Core capital (leverage) ratio | 11.2630% | 2,064 |
| Tier 1 risk-based capital ratio | 23.0896% | 1,118 |
| Total risk-based capital ratio | 24.3412% | 1,104 |
| Memoranda: | ||
| Average total assets | $234,385,000 | 2,724 |
| Average earning assets | $222,903,000 | 2,622 |
| Average equity | $27,978,000 | 2,388 |
| Average total loans | $120,783,000 | 3,138 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 3,587 |
| Cost of funding earning assets | 1.1906% | 2,089 |
| Net interest margin | 3.6595% | 4,474 |
| Noninterest income to average assets | 0.3922% | 4,682 |
| Noninterest expense to average assets | 2.1948% | 6,279 |
| Loan and lease loss provision to assets | 0.4852% | 2,178 |
| Net operating income to assets | 0.8464% | 2,842 |
| Return on assets (ROA) | 0.9035% | 2,719 |
| Pretax return on assets | 1.2705% | 2,236 |
| Return on Equity (ROE) | 7.7084% | 3,052 |
| Retained earnings to average equity (ytd only) | 3.6467% | 3,614 |
| Net charge-offs to loans | 0.7561% | 2,266 |
| Credit loss provision to net charge-offs | 119.3376% | 2,677 |
| Earnings coverage of net charge-offs (x) | 4.1207% | 3,257 |
| Efficiency ratio | 56.5095% | 6,250 |
| Assets per employee ($millions) | 3.9943% | 3,868 |
| Cash dividends to net income (ytd only)* | 52.6923% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 5,203 |
| Loan loss allowance to noncurrent loans | 28.5230% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 2.3003% | 2,624 |
| Noncurrent loans to loans | 4.3653% | 1,385 |
| Net loans and leases to total assets | 51.9021% | 5,327 |
| Net loans and leases to deposits | 60.0413% | 5,477 |
| Net loans and leases to core deposits | 68.2883% | 4,990 |
| Total domestic deposits to total assets | 86.4439% | 3,056 |
| Equity capital to assets | 12.0280% | 2,103 |
| Core capital (leverage) ratio | 11.1837% | 2,133 |
| Tier 1 risk-based capital ratio | 22.4921% | 1,167 |
| Total risk-based capital ratio | 23.7433% | 1,138 |
| Memoranda: | ||
| Average total assets | $230,223,800 | 2,717 |
| Average earning assets | $218,799,400 | 2,626 |
| Average equity | $26,983,600 | 2,400 |
| Average total loans | $123,785,000 | 3,106 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 3,479 |
| Cost of funding earning assets | 1.2158% | 2,216 |
| Net interest margin | 3.7012% | 4,323 |
| Noninterest income to average assets | 0.4008% | 4,662 |
| Noninterest expense to average assets | 2.2755% | 6,101 |
| Loan and lease loss provision to assets | 0.4043% | 2,431 |
| Net operating income to assets | 0.9101% | 2,702 |
| Return on assets (ROA) | 0.9542% | 2,678 |
| Pretax return on assets | 1.2987% | 2,289 |
| Return on Equity (ROE) | 8.1951% | 2,967 |
| Retained earnings to average equity (ytd only) | 4.1001% | 3,812 |
| Net charge-offs to loans | 0.2424% | 3,909 |
| Credit loss provision to net charge-offs | 308.4071% | 920 |
| Earnings coverage of net charge-offs (x) | 12.5308% | 1,696 |
| Efficiency ratio | 57.8682% | 6,034 |
| Assets per employee ($millions) | 3.9120% | 4,043 |
| Cash dividends to net income (ytd only)* | 49.9695% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,318 |
| Loan loss allowance to noncurrent loans | 30.9353% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 2.5056% | 2,583 |
| Noncurrent loans to loans | 4.7016% | 1,372 |
| Net loans and leases to total assets | 52.1330% | 5,430 |
| Net loans and leases to deposits | 61.2333% | 5,485 |
| Net loans and leases to core deposits | 69.7988% | 4,970 |
| Total domestic deposits to total assets | 85.1383% | 3,706 |
| Equity capital to assets | 12.0882% | 2,180 |
| Core capital (leverage) ratio | 11.0645% | 2,336 |
| Tier 1 risk-based capital ratio | 21.8610% | 1,318 |
| Total risk-based capital ratio | 23.1143% | 1,285 |
| Memoranda: | ||
| Average total assets | $229,863,000 | 2,733 |
| Average earning assets | $218,444,500 | 2,646 |
| Average equity | $26,763,250 | 2,416 |
| Average total loans | $124,292,250 | 3,116 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 3,535 |
| Cost of funding earning assets | 1.2371% | 2,343 |
| Net interest margin | 3.6826% | 4,346 |
| Noninterest income to average assets | 0.3943% | 4,726 |
| Noninterest expense to average assets | 2.2984% | 6,139 |
| Loan and lease loss provision to assets | 0.4662% | 2,117 |
| Net operating income to assets | 0.8399% | 2,906 |
| Return on assets (ROA) | 0.8859% | 2,812 |
| Pretax return on assets | 1.1899% | 2,522 |
| Return on Equity (ROE) | 7.7097% | 3,092 |
| Retained earnings to average equity (ytd only) | 3.5308% | 4,001 |
| Net charge-offs to loans | 0.2413% | 3,674 |
| Credit loss provision to net charge-offs | 354.6667% | 866 |
| Earnings coverage of net charge-offs (x) | 12.1267% | 1,651 |
| Efficiency ratio | 58.8474% | 6,053 |
| Assets per employee ($millions) | 3.8800% | 4,041 |
| Cash dividends to net income (ytd only)* | 54.2038% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 4,639 |
| Loan loss allowance to noncurrent loans | 37.7197% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 1.9798% | 3,262 |
| Noncurrent loans to loans | 3.6753% | 1,915 |
| Net loans and leases to total assets | 52.4646% | 5,505 |
| Net loans and leases to deposits | 60.8855% | 5,630 |
| Net loans and leases to core deposits | 69.4675% | 5,129 |
| Total domestic deposits to total assets | 86.1692% | 3,233 |
| Equity capital to assets | 11.6366% | 2,377 |
| Core capital (leverage) ratio | 11.0087% | 2,239 |
| Tier 1 risk-based capital ratio | 21.6060% | 1,311 |
| Total risk-based capital ratio | 22.8480% | 1,288 |
| Memoranda: | ||
| Average total assets | $228,245,000 | 2,769 |
| Average earning assets | $216,801,670 | 2,677 |
| Average equity | $26,226,670 | 2,445 |
| Average total loans | $124,332,670 | 3,139 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7988% | 4,065 |
| Cost of funding earning assets | 1.2547% | 2,471 |
| Net interest margin | 3.5441% | 4,833 |
| Noninterest income to average assets | 0.4036% | 4,671 |
| Noninterest expense to average assets | 2.2056% | 6,409 |
| Loan and lease loss provision to assets | 0.7382% | 1,151 |
| Net operating income to assets | 0.6268% | 3,887 |
| Return on assets (ROA) | 0.6833% | 3,658 |
| Pretax return on assets | 0.8992% | 3,496 |
| Return on Equity (ROE) | 5.9857% | 3,909 |
| Retained earnings to average equity (ytd only) | 1.7368% | 5,078 |
| Net charge-offs to loans | 0.0899% | 4,048 |
| Credit loss provision to net charge-offs | 1,489.2857% | 275 |
| Earnings coverage of net charge-offs (x) | 31.5357% | 806 |
| Efficiency ratio | 58.2903% | 6,231 |
| Assets per employee ($millions) | 3.8842% | 4,110 |
| Cash dividends to net income (ytd only)* | 70.9845% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 4,696 |
| Loan loss allowance to noncurrent loans | 36.4559% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1757% | 3,096 |
| Noncurrent loans to loans | 3.8217% | 1,920 |
| Net loans and leases to total assets | 53.2426% | 5,414 |
| Net loans and leases to deposits | 61.1296% | 5,605 |
| Net loans and leases to core deposits | 69.8768% | 5,058 |
| Total domestic deposits to total assets | 87.0978% | 2,892 |
| Equity capital to assets | 11.3235% | 2,396 |
| Core capital (leverage) ratio | 11.2100% | 2,023 |
| Tier 1 risk-based capital ratio | 21.3682% | 1,332 |
| Total risk-based capital ratio | 22.6206% | 1,306 |
| Memoranda: | ||
| Average total assets | $225,968,000 | 2,808 |
| Average earning assets | $214,555,000 | 2,731 |
| Average equity | $25,795,000 | 2,468 |
| Average total loans | $124,572,000 | 3,167 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 3,775 |
| Cost of funding earning assets | 1.4307% | 3,069 |
| Net interest margin | 3.7348% | 4,209 |
| Noninterest income to average assets | 0.4368% | 4,619 |
| Noninterest expense to average assets | 2.2863% | 6,396 |
| Loan and lease loss provision to assets | 0.2845% | 4,525 |
| Net operating income to assets | 1.0093% | 2,010 |
| Return on assets (ROA) | 1.0245% | 2,063 |
| Pretax return on assets | 1.4228% | 1,588 |
| Return on Equity (ROE) | 8.7099% | 2,415 |
| Retained earnings to average equity (ytd only) | 4.9693% | 2,425 |
| Net charge-offs to loans | 0.4990% | 3,625 |
| Credit loss provision to net charge-offs | 99.6785% | 4,642 |
| Earnings coverage of net charge-offs (x) | 5.9084% | 2,498 |
| Efficiency ratio | 57.3458% | 6,411 |
| Assets per employee ($millions) | 3.7128% | 4,432 |
| Cash dividends to net income (ytd only)* | 42.9467% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 6,093 |
| Loan loss allowance to noncurrent loans | 26.2951% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 2.3944% | 2,873 |
| Noncurrent loans to loans | 4.0485% | 1,786 |
| Net loans and leases to total assets | 55.6948% | 5,388 |
| Net loans and leases to deposits | 63.9623% | 5,631 |
| Net loans and leases to core deposits | 72.3751% | 5,173 |
| Total domestic deposits to total assets | 87.0743% | 2,780 |
| Equity capital to assets | 11.5098% | 2,254 |
| Core capital (leverage) ratio | 11.1512% | 2,048 |
| Tier 1 risk-based capital ratio | 21.1400% | 1,296 |
| Total risk-based capital ratio | 22.2644% | 1,295 |
| Memoranda: | ||
| Average total assets | $217,952,200 | 2,896 |
| Average earning assets | $206,330,000 | 2,792 |
| Average equity | $25,637,400 | 2,487 |
| Average total loans | $124,645,000 | 3,220 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2330% | 3,666 |
| Cost of funding earning assets | 1.4661% | 3,176 |
| Net interest margin | 3.7669% | 4,108 |
| Noninterest income to average assets | 0.4706% | 4,411 |
| Noninterest expense to average assets | 2.2858% | 6,370 |
| Loan and lease loss provision to assets | 0.2184% | 4,886 |
| Net operating income to assets | 1.0921% | 1,913 |
| Return on assets (ROA) | 1.1122% | 1,957 |
| Pretax return on assets | 1.5588% | 1,451 |
| Return on Equity (ROE) | 9.4029% | 2,348 |
| Retained earnings to average equity (ytd only) | 5.1279% | 2,896 |
| Net charge-offs to loans | 0.3567% | 3,875 |
| Credit loss provision to net charge-offs | 106.6066% | 4,014 |
| Earnings coverage of net charge-offs (x) | 8.5375% | 2,146 |
| Efficiency ratio | 56.4568% | 6,494 |
| Assets per employee ($millions) | 3.9978% | 3,839 |
| Cash dividends to net income (ytd only)* | 45.4644% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 6,033 |
| Loan loss allowance to noncurrent loans | 23.8045% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 2.6484% | 2,735 |
| Noncurrent loans to loans | 4.5222% | 1,597 |
| Net loans and leases to total assets | 54.8039% | 5,730 |
| Net loans and leases to deposits | 63.0131% | 6,021 |
| Net loans and leases to core deposits | 69.3366% | 5,817 |
| Total domestic deposits to total assets | 86.9723% | 2,548 |
| Equity capital to assets | 11.5602% | 2,482 |
| Core capital (leverage) ratio | 11.3761% | 2,027 |
| Tier 1 risk-based capital ratio | 20.4191% | 1,461 |
| Total risk-based capital ratio | 21.5377% | 1,461 |
| Memoranda: | ||
| Average total assets | $216,748,750 | 2,953 |
| Average earning assets | $205,077,250 | 2,853 |
| Average equity | $25,636,750 | 2,526 |
| Average total loans | $124,455,250 | 3,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 3,121 |
| Cost of funding earning assets | 1.5115% | 3,194 |
| Net interest margin | 3.8557% | 3,651 |
| Noninterest income to average assets | 0.4825% | 4,259 |
| Noninterest expense to average assets | 2.2738% | 6,425 |
| Loan and lease loss provision to assets | 0.2488% | 4,436 |
| Net operating income to assets | 1.1294% | 1,763 |
| Return on assets (ROA) | 1.1294% | 1,829 |
| Pretax return on assets | 1.6025% | 1,295 |
| Return on Equity (ROE) | 9.4719% | 2,283 |
| Retained earnings to average equity (ytd only) | 5.1572% | 2,810 |
| Net charge-offs to loans | 0.3778% | 3,471 |
| Credit loss provision to net charge-offs | 113.2479% | 3,593 |
| Earnings coverage of net charge-offs (x) | 8.4274% | 2,138 |
| Efficiency ratio | 54.9158% | 6,774 |
| Assets per employee ($millions) | 3.8892% | 4,006 |
| Cash dividends to net income (ytd only)* | 45.5528% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 6,028 |
| Loan loss allowance to noncurrent loans | 69.3712% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 5,039 |
| Noncurrent loans to loans | 1.5600% | 4,375 |
| Net loans and leases to total assets | 57.4134% | 5,502 |
| Net loans and leases to deposits | 67.4905% | 5,614 |
| Net loans and leases to core deposits | 73.7208% | 5,477 |
| Total domestic deposits to total assets | 85.0689% | 3,590 |
| Equity capital to assets | 11.8943% | 2,157 |
| Core capital (leverage) ratio | 11.4264% | 1,955 |
| Tier 1 risk-based capital ratio | 20.2348% | 1,476 |
| Total risk-based capital ratio | 21.3660% | 1,465 |
| Memoranda: | ||
| Average total assets | $213,039,670 | 3,022 |
| Average earning assets | $201,258,330 | 2,929 |
| Average equity | $25,401,330 | 2,550 |
| Average total loans | $123,859,000 | 3,323 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 3,157 |
| Cost of funding earning assets | 1.5380% | 3,343 |
| Net interest margin | 3.8390% | 3,626 |
| Noninterest income to average assets | 0.5184% | 3,910 |
| Noninterest expense to average assets | 2.2519% | 6,535 |
| Loan and lease loss provision to assets | 0.2563% | 3,992 |
| Net operating income to assets | 1.1526% | 1,672 |
| Return on assets (ROA) | 1.1526% | 1,754 |
| Pretax return on assets | 1.6310% | 1,196 |
| Return on Equity (ROE) | 9.6543% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.2963% | 2,988 |
| Net charge-offs to loans | 0.4144% | 2,802 |
| Credit loss provision to net charge-offs | 106.2992% | 3,234 |
| Earnings coverage of net charge-offs (x) | 7.8268% | 2,032 |
| Efficiency ratio | 54.1743% | 6,954 |
| Assets per employee ($millions) | 3.6487% | 4,697 |
| Cash dividends to net income (ytd only)* | 45.1400% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 6,038 |
| Loan loss allowance to noncurrent loans | 88.4868% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9153% | 5,323 |
| Noncurrent loans to loans | 1.2355% | 4,908 |
| Net loans and leases to total assets | 57.4992% | 5,524 |
| Net loans and leases to deposits | 67.1029% | 5,699 |
| Net loans and leases to core deposits | 74.3235% | 5,471 |
| Total domestic deposits to total assets | 85.6882% | 3,323 |
| Equity capital to assets | 11.9912% | 2,049 |
| Core capital (leverage) ratio | 11.5516% | 1,881 |
| Tier 1 risk-based capital ratio | 20.5619% | 1,415 |
| Total risk-based capital ratio | 21.7073% | 1,401 |
| Memoranda: | ||
| Average total assets | $210,662,500 | 3,093 |
| Average earning assets | $198,699,500 | 3,017 |
| Average equity | $25,149,500 | 2,599 |
| Average total loans | $122,583,000 | 3,416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7336% | 2,940 |
| Cost of funding earning assets | 1.8098% | 3,936 |
| Net interest margin | 3.9238% | 3,179 |
| Noninterest income to average assets | 0.4578% | 4,735 |
| Noninterest expense to average assets | 2.2990% | 6,753 |
| Loan and lease loss provision to assets | 0.5411% | 3,663 |
| Net operating income to assets | 0.9411% | 2,045 |
| Return on assets (ROA) | 0.9425% | 2,088 |
| Pretax return on assets | 1.3326% | 1,607 |
| Return on Equity (ROE) | 7.8360% | 2,445 |
| Retained earnings to average equity (ytd only) | 2.6606% | 3,287 |
| Net charge-offs to loans | 0.9344% | 2,529 |
| Credit loss provision to net charge-offs | 98.7556% | 5,642 |
| Earnings coverage of net charge-offs (x) | 3.4160% | 3,353 |
| Efficiency ratio | 54.9107% | 7,142 |
| Assets per employee ($millions) | 3.6156% | 4,749 |
| Cash dividends to net income (ytd only)* | 66.0465% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,922 |
| Loan loss allowance to noncurrent loans | 66.1227% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 4,811 |
| Noncurrent loans to loans | 1.6555% | 4,163 |
| Net loans and leases to total assets | 57.6067% | 5,726 |
| Net loans and leases to deposits | 69.0962% | 5,710 |
| Net loans and leases to core deposits | 86.5029% | 5,473 |
| Total domestic deposits to total assets | 83.3717% | 4,347 |
| Equity capital to assets | 11.8849% | 2,090 |
| Core capital (leverage) ratio | 11.5128% | 1,910 |
| Tier 1 risk-based capital ratio | 20.3970% | 1,391 |
| Total risk-based capital ratio | 21.5425% | 1,371 |
| Memoranda: | ||
| Average total assets | $205,308,800 | 3,115 |
| Average earning assets | $194,277,000 | 3,044 |
| Average equity | $24,693,600 | 2,646 |
| Average total loans | $120,401,600 | 3,474 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7966% | 2,912 |
| Cost of funding earning assets | 1.8536% | 4,129 |
| Net interest margin | 3.9430% | 3,072 |
| Noninterest income to average assets | 0.4721% | 4,734 |
| Noninterest expense to average assets | 2.4288% | 6,315 |
| Loan and lease loss provision to assets | 0.3199% | 4,425 |
| Net operating income to assets | 1.0127% | 2,010 |
| Return on assets (ROA) | 1.0127% | 2,076 |
| Pretax return on assets | 1.4579% | 1,528 |
| Return on Equity (ROE) | 8.3939% | 2,489 |
| Retained earnings to average equity (ytd only) | 3.9453% | 3,073 |
| Net charge-offs to loans | 0.4334% | 3,512 |
| Credit loss provision to net charge-offs | 125.6410% | 4,004 |
| Earnings coverage of net charge-offs (x) | 6.9820% | 2,502 |
| Efficiency ratio | 57.5198% | 6,785 |
| Assets per employee ($millions) | 3.4760% | 4,986 |
| Cash dividends to net income (ytd only)* | 52.9979% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 5,157 |
| Loan loss allowance to noncurrent loans | 40.1050% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.7739% | 3,698 |
| Noncurrent loans to loans | 2.9748% | 2,543 |
| Net loans and leases to total assets | 58.5961% | 5,792 |
| Net loans and leases to deposits | 69.4869% | 5,982 |
| Net loans and leases to core deposits | 87.1511% | 5,732 |
| Total domestic deposits to total assets | 84.3268% | 3,562 |
| Equity capital to assets | 12.3399% | 2,038 |
| Core capital (leverage) ratio | 11.6597% | 1,987 |
| Tier 1 risk-based capital ratio | 20.8969% | 1,379 |
| Total risk-based capital ratio | 22.1468% | 1,356 |
| Memoranda: | ||
| Average total assets | $204,210,250 | 3,156 |
| Average earning assets | $193,418,500 | 3,075 |
| Average equity | $24,636,250 | 2,670 |
| Average total loans | $119,967,000 | 3,510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8103% | 2,997 |
| Cost of funding earning assets | 1.8936% | 4,295 |
| Net interest margin | 3.9167% | 3,029 |
| Noninterest income to average assets | 0.4747% | 4,674 |
| Noninterest expense to average assets | 2.4618% | 6,255 |
| Loan and lease loss provision to assets | 0.3237% | 4,004 |
| Net operating income to assets | 0.9651% | 2,223 |
| Return on assets (ROA) | 0.9651% | 2,328 |
| Pretax return on assets | 1.3976% | 1,733 |
| Return on Equity (ROE) | 8.0614% | 2,747 |
| Retained earnings to average equity (ytd only) | 3.5719% | 3,314 |
| Net charge-offs to loans | 0.3266% | 3,546 |
| Credit loss provision to net charge-offs | 169.2308% | 2,721 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,188 |
| Efficiency ratio | 58.6401% | 6,745 |
| Assets per employee ($millions) | 3.4604% | 4,924 |
| Cash dividends to net income (ytd only)* | 55.6911% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,679 |
| Loan loss allowance to noncurrent loans | 26.5215% | 6,736 |
| Noncurrent assets plus other real estate owned to assets | 2.7708% | 2,326 |
| Noncurrent loans to loans | 4.6701% | 1,360 |
| Net loans and leases to total assets | 58.0372% | 5,958 |
| Net loans and leases to deposits | 68.6127% | 6,127 |
| Net loans and leases to core deposits | 86.0888% | 5,895 |
| Total domestic deposits to total assets | 84.5867% | 3,455 |
| Equity capital to assets | 11.9733% | 2,222 |
| Core capital (leverage) ratio | 11.4440% | 2,110 |
| Tier 1 risk-based capital ratio | 20.8786% | 1,419 |
| Total risk-based capital ratio | 22.1298% | 1,384 |
| Memoranda: | ||
| Average total assets | $203,919,670 | 3,178 |
| Average earning assets | $193,070,000 | 3,105 |
| Average equity | $24,412,670 | 2,707 |
| Average total loans | $119,415,670 | 3,551 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7556% | 3,502 |
| Cost of funding earning assets | 1.9303% | 4,488 |
| Net interest margin | 3.8253% | 3,357 |
| Noninterest income to average assets | 0.4769% | 4,536 |
| Noninterest expense to average assets | 2.2591% | 6,662 |
| Loan and lease loss provision to assets | 0.3140% | 3,457 |
| Net operating income to assets | 0.9912% | 2,351 |
| Return on assets (ROA) | 0.9912% | 2,487 |
| Pretax return on assets | 1.5290% | 1,587 |
| Return on Equity (ROE) | 8.2799% | 3,025 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,784 |
| Net charge-offs to loans | 0.4163% | 2,440 |
| Credit loss provision to net charge-offs | 129.0323% | 3,105 |
| Earnings coverage of net charge-offs (x) | 7.5726% | 2,326 |
| Efficiency ratio | 54.8325% | 7,129 |
| Assets per employee ($millions) | 3.3921% | 5,095 |
| Cash dividends to net income (ytd only)* | 54.2574% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1577% | 5,067 |
| Loan loss allowance to noncurrent loans | 26.0225% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 2.6097% | 2,196 |
| Noncurrent loans to loans | 4.4488% | 1,295 |
| Net loans and leases to total assets | 57.2298% | 6,065 |
| Net loans and leases to deposits | 69.2794% | 6,050 |
| Net loans and leases to core deposits | 88.1889% | 5,721 |
| Total domestic deposits to total assets | 82.6073% | 4,331 |
| Equity capital to assets | 11.8355% | 2,359 |
| Core capital (leverage) ratio | 11.5933% | 2,094 |
| Tier 1 risk-based capital ratio | 20.5288% | 1,519 |
| Total risk-based capital ratio | 21.7473% | 1,495 |
| Memoranda: | ||
| Average total assets | $203,798,500 | 3,203 |
| Average earning assets | $193,135,000 | 3,112 |
| Average equity | $24,396,500 | 2,719 |
| Average total loans | $119,135,500 | 3,579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3208% | 3,853 |
| Cost of funding earning assets | 2.4156% | 4,651 |
| Net interest margin | 3.9052% | 3,529 |
| Noninterest income to average assets | 0.4946% | 4,649 |
| Noninterest expense to average assets | 2.2906% | 6,731 |
| Loan and lease loss provision to assets | 0.2818% | 4,135 |
| Net operating income to assets | 1.0555% | 2,331 |
| Return on assets (ROA) | 1.0613% | 2,209 |
| Pretax return on assets | 1.5931% | 1,401 |
| Return on Equity (ROE) | 9.0041% | 2,642 |
| Retained earnings to average equity (ytd only) | 2.7708% | 3,454 |
| Net charge-offs to loans | 0.2792% | 3,536 |
| Credit loss provision to net charge-offs | 173.9130% | 2,930 |
| Earnings coverage of net charge-offs (x) | 11.5186% | 2,363 |
| Efficiency ratio | 54.8844% | 7,167 |
| Assets per employee ($millions) | 3.2367% | 5,374 |
| Cash dividends to net income (ytd only)* | 69.2271% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 4,990 |
| Loan loss allowance to noncurrent loans | 76.5006% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 4,599 |
| Noncurrent loans to loans | 1.4907% | 3,565 |
| Net loans and leases to total assets | 58.3590% | 6,149 |
| Net loans and leases to deposits | 70.5751% | 6,213 |
| Net loans and leases to core deposits | 88.2500% | 5,949 |
| Total domestic deposits to total assets | 82.6906% | 3,898 |
| Equity capital to assets | 12.1105% | 2,222 |
| Core capital (leverage) ratio | 11.6547% | 2,152 |
| Tier 1 risk-based capital ratio | 20.7780% | 1,488 |
| Total risk-based capital ratio | 21.9915% | 1,473 |
| Memoranda: | ||
| Average total assets | $198,726,600 | 3,157 |
| Average earning assets | $186,369,200 | 3,096 |
| Average equity | $23,422,600 | 2,798 |
| Average total loans | $115,310,600 | 3,557 |