Home > The Citizens First National Bank of Storm Lake > Performance and Condition Ratios
The Citizens First National Bank of Storm Lake, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 3,565 |
| Cost of funding earning assets | 0.8909% | 3,536 |
| Net interest margin | 3.3431% | 2,528 |
| Noninterest income to average assets | 1.0600% | 582 |
| Noninterest expense to average assets | 2.0344% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1429% | 371 |
| Return on assets (ROA) | 2.1429% | 362 |
| Pretax return on assets | 2.2448% | 466 |
| Return on Equity (ROE) | 20.4100% | 577 |
| Retained earnings to average equity (ytd only) | 9.1258% | 1,226 |
| Net charge-offs to loans | 0.0293% | 1,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 129.2045% | 782 |
| Efficiency ratio | 47.5408% | 4,111 |
| Assets per employee ($millions) | 6.4283% | 2,462 |
| Cash dividends to net income (ytd only)* | 55.2792% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6927% | 673 |
| Loan loss allowance to noncurrent loans | 2,450.9615% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,331 |
| Noncurrent loans to loans | 0.0691% | 3,217 |
| Net loans and leases to total assets | 59.0500% | 2,942 |
| Net loans and leases to deposits | 68.0690% | 3,027 |
| Net loans and leases to core deposits | 71.3106% | 3,232 |
| Total domestic deposits to total assets | 86.7500% | 1,772 |
| Equity capital to assets | 11.2723% | 1,380 |
| Core capital (leverage) ratio | 12.0428% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4997% | 731 |
| Memoranda: | ||
| Average total assets | $253,250,200 | 2,664 |
| Average earning assets | $243,692,800 | 2,609 |
| Average equity | $26,595,000 | 2,425 |
| Average total loans | $149,920,800 | 2,681 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 3,269 |
| Cost of funding earning assets | 0.7694% | 3,606 |
| Net interest margin | 3.5426% | 2,127 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.0140% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.1542% | 400 |
| Return on assets (ROA) | 2.1542% | 394 |
| Pretax return on assets | 2.2603% | 513 |
| Return on Equity (ROE) | 20.8900% | 649 |
| Retained earnings to average equity (ytd only) | 5.6126% | 2,745 |
| Net charge-offs to loans | 0.0045% | 2,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 860.8000% | 187 |
| Efficiency ratio | 47.1188% | 4,083 |
| Assets per employee ($millions) | 6.0375% | 2,718 |
| Cash dividends to net income (ytd only)* | 73.1351% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7001% | 701 |
| Loan loss allowance to noncurrent loans | 2,396.2963% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 3,360 |
| Noncurrent loans to loans | 0.0709% | 3,247 |
| Net loans and leases to total assets | 61.9600% | 2,659 |
| Net loans and leases to deposits | 71.1398% | 2,762 |
| Net loans and leases to core deposits | 74.3357% | 2,977 |
| Total domestic deposits to total assets | 87.1000% | 1,858 |
| Equity capital to assets | 10.8054% | 1,428 |
| Core capital (leverage) ratio | 11.3713% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4110% | 896 |
| Memoranda: | ||
| Average total assets | $253,886,750 | 2,667 |
| Average earning assets | $245,047,250 | 2,608 |
| Average equity | $26,178,750 | 2,436 |
| Average total loans | $149,755,000 | 2,682 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,623 |
| Cost of funding earning assets | 0.6478% | 3,632 |
| Net interest margin | 3.3821% | 2,568 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 1.9743% | 3,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.0774% | 420 |
| Return on assets (ROA) | 2.0774% | 416 |
| Pretax return on assets | 2.1797% | 550 |
| Return on Equity (ROE) | 20.4500% | 664 |
| Retained earnings to average equity (ytd only) | 20.4528% | 237 |
| Net charge-offs to loans | 0.1021% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,444 |
| Efficiency ratio | 47.5275% | 4,091 |
| Assets per employee ($millions) | 6.2536% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 739 |
| Loan loss allowance to noncurrent loans | 1,010.8434% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 2,837 |
| Noncurrent loans to loans | 0.1690% | 2,635 |
| Net loans and leases to total assets | 57.9100% | 2,970 |
| Net loans and leases to deposits | 66.4578% | 3,037 |
| Net loans and leases to core deposits | 69.0347% | 3,183 |
| Total domestic deposits to total assets | 87.1300% | 1,887 |
| Equity capital to assets | 10.9933% | 1,392 |
| Core capital (leverage) ratio | 11.9688% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8028% | 738 |
| Memoranda: | ||
| Average total assets | $258,016,000 | 2,643 |
| Average earning assets | $249,132,333 | 2,585 |
| Average equity | $26,206,667 | 2,453 |
| Average total loans | $148,932,667 | 2,685 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 3,737 |
| Cost of funding earning assets | 0.5212% | 3,626 |
| Net interest margin | 3.3515% | 2,746 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 1.8675% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0340% | 464 |
| Return on assets (ROA) | 2.0340% | 457 |
| Pretax return on assets | 2.1347% | 627 |
| Return on Equity (ROE) | 20.8400% | 674 |
| Retained earnings to average equity (ytd only) | 20.8447% | 328 |
| Net charge-offs to loans | -0.0214% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.6616% | 4,180 |
| Assets per employee ($millions) | 6.8143% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6825% | 855 |
| Loan loss allowance to noncurrent loans | 1,040.4000% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,874 |
| Noncurrent loans to loans | 0.1617% | 2,678 |
| Net loans and leases to total assets | 57.1900% | 2,943 |
| Net loans and leases to deposits | 64.6142% | 3,038 |
| Net loans and leases to core deposits | 66.5519% | 3,182 |
| Total domestic deposits to total assets | 88.5100% | 1,734 |
| Equity capital to assets | 9.8232% | 1,917 |
| Core capital (leverage) ratio | 10.5829% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8860% | 1,009 |
| Memoranda: | ||
| Average total assets | $261,952,000 | 2,658 |
| Average earning assets | $253,262,500 | 2,597 |
| Average equity | $25,560,500 | 2,514 |
| Average total loans | $149,714,500 | 2,704 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9741% | 4,163 |
| Cost of funding earning assets | 0.2405% | 3,413 |
| Net interest margin | 2.7336% | 4,006 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 1.9169% | 3,796 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.6433% | 615 |
| Return on assets (ROA) | 1.6433% | 583 |
| Pretax return on assets | 1.7247% | 872 |
| Return on Equity (ROE) | 18.3800% | 650 |
| Retained earnings to average equity (ytd only) | 18.3809% | 125 |
| Net charge-offs to loans | 0.0100% | 1,996 |
| Credit loss provision to net charge-offs | 315.3846% | 893 |
| Earnings coverage of net charge-offs (x) | 351.7692% | 433 |
| Efficiency ratio | 52.4142% | 3,948 |
| Assets per employee ($millions) | 6.7933% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,718 |
| Loan loss allowance to noncurrent loans | 546.5116% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 2,707 |
| Noncurrent loans to loans | 0.2078% | 2,455 |
| Net loans and leases to total assets | 55.4700% | 3,080 |
| Net loans and leases to deposits | 62.0432% | 3,194 |
| Net loans and leases to core deposits | 63.2456% | 3,313 |
| Total domestic deposits to total assets | 89.4100% | 1,592 |
| Equity capital to assets | 9.6903% | 1,894 |
| Core capital (leverage) ratio | 10.9772% | 1,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5496% | 888 |
| Memoranda: | ||
| Average total assets | $262,764,400 | 2,650 |
| Average earning assets | $254,023,600 | 2,586 |
| Average equity | $23,491,800 | 2,675 |
| Average total loans | $129,976,800 | 2,829 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8084% | 4,184 |
| Cost of funding earning assets | 0.1978% | 3,307 |
| Net interest margin | 2.6106% | 4,085 |
| Noninterest income to average assets | 0.8100% | 1,010 |
| Noninterest expense to average assets | 1.8950% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3681% | 1,179 |
| Return on assets (ROA) | 1.3681% | 1,146 |
| Pretax return on assets | 1.4398% | 1,599 |
| Return on Equity (ROE) | 15.6200% | 1,059 |
| Retained earnings to average equity (ytd only) | 15.6228% | 308 |
| Net charge-offs to loans | 0.0348% | 1,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 86.3636% | 1,013 |
| Efficiency ratio | 56.8247% | 3,539 |
| Assets per employee ($millions) | 6.5216% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,410 |
| Loan loss allowance to noncurrent loans | 241.6794% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2575% | 1,931 |
| Noncurrent loans to loans | 0.5058% | 1,537 |
| Net loans and leases to total assets | 50.2900% | 3,433 |
| Net loans and leases to deposits | 55.8184% | 3,495 |
| Net loans and leases to core deposits | 56.8446% | 3,572 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 9.0040% | 2,212 |
| Core capital (leverage) ratio | 10.1871% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0700% | 851 |
| Memoranda: | ||
| Average total assets | $263,919,250 | 2,659 |
| Average earning assets | $255,469,500 | 2,598 |
| Average equity | $23,111,000 | 2,734 |
| Average total loans | $126,261,000 | 2,866 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6654% | 4,191 |
| Cost of funding earning assets | 0.1805% | 3,176 |
| Net interest margin | 2.4850% | 4,106 |
| Noninterest income to average assets | 0.8244% | 992 |
| Noninterest expense to average assets | 1.8397% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3275% | 1,074 |
| Return on assets (ROA) | 1.3275% | 1,053 |
| Pretax return on assets | 1.3972% | 1,448 |
| Return on Equity (ROE) | 15.2970% | 835 |
| Retained earnings to average equity (ytd only) | 15.2970% | 241 |
| Net charge-offs to loans | 0.0767% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 38.8750% | 1,273 |
| Efficiency ratio | 56.8355% | 3,697 |
| Assets per employee ($millions) | 6.9360% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,319 |
| Loan loss allowance to noncurrent loans | 247.7093% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 2,149 |
| Noncurrent loans to loans | 0.5139% | 1,595 |
| Net loans and leases to total assets | 44.9535% | 3,762 |
| Net loans and leases to deposits | 49.5054% | 3,831 |
| Net loans and leases to core deposits | 50.5828% | 3,907 |
| Total domestic deposits to total assets | 90.8053% | 1,336 |
| Equity capital to assets | 8.3888% | 2,845 |
| Core capital (leverage) ratio | 9.4290% | 2,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1992% | 824 |
| Memoranda: | ||
| Average total assets | $267,111,667 | 2,670 |
| Average earning assets | $259,320,667 | 2,604 |
| Average equity | $23,181,000 | 2,804 |
| Average total loans | $125,183,667 | 2,892 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5856% | 4,148 |
| Cost of funding earning assets | 0.1860% | 3,000 |
| Net interest margin | 2.3996% | 4,068 |
| Noninterest income to average assets | 0.7746% | 1,102 |
| Noninterest expense to average assets | 1.8492% | 3,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1951% | 1,258 |
| Return on assets (ROA) | 1.1951% | 1,253 |
| Pretax return on assets | 1.2584% | 1,627 |
| Return on Equity (ROE) | 13.5408% | 925 |
| Retained earnings to average equity (ytd only) | 13.5408% | 416 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5053% | 3,536 |
| Assets per employee ($millions) | 6.8306% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,156 |
| Loan loss allowance to noncurrent loans | 261.2278% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,289 |
| Noncurrent loans to loans | 0.5132% | 1,738 |
| Net loans and leases to total assets | 43.5577% | 3,771 |
| Net loans and leases to deposits | 47.9369% | 3,868 |
| Net loans and leases to core deposits | 48.9065% | 3,934 |
| Total domestic deposits to total assets | 90.8646% | 1,103 |
| Equity capital to assets | 8.3195% | 3,309 |
| Core capital (leverage) ratio | 9.0026% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5934% | 954 |
| Memoranda: | ||
| Average total assets | $265,415,500 | 2,688 |
| Average earning assets | $258,042,500 | 2,619 |
| Average equity | $23,425,500 | 2,875 |
| Average total loans | $126,191,000 | 2,889 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7845% | 4,223 |
| Cost of funding earning assets | 0.2442% | 3,003 |
| Net interest margin | 2.5403% | 4,134 |
| Noninterest income to average assets | 1.4410% | 539 |
| Noninterest expense to average assets | 1.9747% | 3,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.8273% | 478 |
| Return on assets (ROA) | 1.8269% | 500 |
| Pretax return on assets | 1.9181% | 700 |
| Return on Equity (ROE) | 18.5899% | 411 |
| Retained earnings to average equity (ytd only) | -0.7620% | 4,572 |
| Net charge-offs to loans | -0.0188% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7226% | 4,228 |
| Assets per employee ($millions) | 6.1335% | 2,626 |
| Cash dividends to net income (ytd only)* | 104.0989% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,753 |
| Loan loss allowance to noncurrent loans | 282.0244% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 2,446 |
| Noncurrent loans to loans | 0.4349% | 2,050 |
| Net loans and leases to total assets | 50.5184% | 3,221 |
| Net loans and leases to deposits | 57.6158% | 3,286 |
| Net loans and leases to core deposits | 58.7490% | 3,414 |
| Total domestic deposits to total assets | 87.6816% | 2,207 |
| Equity capital to assets | 9.3631% | 3,260 |
| Core capital (leverage) ratio | 9.2130% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8461% | 1,302 |
| Memoranda: | ||
| Average total assets | $252,390,000 | 2,708 |
| Average earning assets | $243,633,000 | 2,659 |
| Average equity | $24,803,800 | 2,865 |
| Average total loans | $122,282,600 | 2,931 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7849% | 4,315 |
| Cost of funding earning assets | 0.2948% | 2,644 |
| Net interest margin | 2.4901% | 4,293 |
| Noninterest income to average assets | 1.3238% | 674 |
| Noninterest expense to average assets | 1.9626% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6727% | 879 |
| Return on assets (ROA) | 1.6732% | 918 |
| Pretax return on assets | 1.7614% | 1,253 |
| Return on Equity (ROE) | 16.8219% | 793 |
| Retained earnings to average equity (ytd only) | 0.8061% | 4,448 |
| Net charge-offs to loans | -0.0389% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7096% | 3,959 |
| Assets per employee ($millions) | 5.8056% | 2,883 |
| Cash dividends to net income (ytd only)* | 95.2079% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,319 |
| Loan loss allowance to noncurrent loans | 1,596.0784% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,886 |
| Noncurrent loans to loans | 0.0835% | 3,666 |
| Net loans and leases to total assets | 48.2877% | 3,604 |
| Net loans and leases to deposits | 55.6106% | 3,614 |
| Net loans and leases to core deposits | 56.8179% | 3,715 |
| Total domestic deposits to total assets | 86.8319% | 2,417 |
| Equity capital to assets | 9.9515% | 2,946 |
| Core capital (leverage) ratio | 9.5960% | 2,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0386% | 1,126 |
| Memoranda: | ||
| Average total assets | $251,085,750 | 2,736 |
| Average earning assets | $241,968,000 | 2,686 |
| Average equity | $24,974,750 | 2,885 |
| Average total loans | $119,914,500 | 2,991 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7608% | 4,399 |
| Cost of funding earning assets | 0.3090% | 2,688 |
| Net interest margin | 2.4518% | 4,367 |
| Noninterest income to average assets | 1.5630% | 509 |
| Noninterest expense to average assets | 1.9382% | 3,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8905% | 603 |
| Return on assets (ROA) | 1.8905% | 627 |
| Pretax return on assets | 1.9899% | 855 |
| Return on Equity (ROE) | 19.0098% | 544 |
| Retained earnings to average equity (ytd only) | -4.9723% | 4,790 |
| Net charge-offs to loans | -0.0302% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3422% | 4,284 |
| Assets per employee ($millions) | 5.8376% | 2,777 |
| Cash dividends to net income (ytd only)* | 126.1564% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,211 |
| Loan loss allowance to noncurrent loans | 1,230.5344% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,893 |
| Noncurrent loans to loans | 0.1094% | 3,643 |
| Net loans and leases to total assets | 47.0657% | 3,818 |
| Net loans and leases to deposits | 53.9533% | 3,860 |
| Net loans and leases to core deposits | 55.1097% | 3,960 |
| Total domestic deposits to total assets | 87.2342% | 2,206 |
| Equity capital to assets | 9.5962% | 3,255 |
| Core capital (leverage) ratio | 9.1652% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,567,333 | 2,730 |
| Average earning assets | $242,679,333 | 2,680 |
| Average equity | $25,018,667 | 2,878 |
| Average total loans | $119,161,333 | 3,016 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7965% | 4,382 |
| Cost of funding earning assets | 0.3308% | 2,700 |
| Net interest margin | 2.4658% | 4,349 |
| Noninterest income to average assets | 1.6979% | 494 |
| Noninterest expense to average assets | 1.9091% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0489% | 535 |
| Return on assets (ROA) | 2.0489% | 574 |
| Pretax return on assets | 2.1569% | 739 |
| Return on Equity (ROE) | 20.2480% | 512 |
| Retained earnings to average equity (ytd only) | 20.2480% | 261 |
| Net charge-offs to loans | -0.0606% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9531% | 4,409 |
| Assets per employee ($millions) | 6.3251% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,241 |
| Loan loss allowance to noncurrent loans | 1,111.7241% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 3,969 |
| Noncurrent loans to loans | 0.1208% | 3,707 |
| Net loans and leases to total assets | 46.8127% | 3,903 |
| Net loans and leases to deposits | 54.1666% | 3,925 |
| Net loans and leases to core deposits | 55.4660% | 4,012 |
| Total domestic deposits to total assets | 86.4234% | 2,562 |
| Equity capital to assets | 10.2920% | 2,439 |
| Core capital (leverage) ratio | 9.9140% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,843,500 | 2,719 |
| Average earning assets | $241,873,500 | 2,669 |
| Average equity | $25,484,000 | 2,840 |
| Average total loans | $118,865,000 | 3,024 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4946% | 4,039 |
| Cost of funding earning assets | 0.4633% | 3,198 |
| Net interest margin | 3.0312% | 3,818 |
| Noninterest income to average assets | 1.3975% | 602 |
| Noninterest expense to average assets | 2.2008% | 3,661 |
| Loan and lease loss provision to assets | 0.0218% | 4,124 |
| Net operating income to assets | 1.9817% | 273 |
| Return on assets (ROA) | 1.9817% | 293 |
| Pretax return on assets | 2.0819% | 380 |
| Return on Equity (ROE) | 17.9800% | 333 |
| Retained earnings to average equity (ytd only) | 2.1699% | 3,757 |
| Net charge-offs to loans | 0.0243% | 2,555 |
| Credit loss provision to net charge-offs | 166.6667% | 2,336 |
| Earnings coverage of net charge-offs (x) | 160.9667% | 542 |
| Efficiency ratio | 51.1284% | 4,459 |
| Assets per employee ($millions) | 6.1143% | 2,242 |
| Cash dividends to net income (ytd only)* | 87.9314% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 2,181 |
| Loan loss allowance to noncurrent loans | 821.1340% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,948 |
| Noncurrent loans to loans | 0.1649% | 3,618 |
| Net loans and leases to total assets | 46.3083% | 4,108 |
| Net loans and leases to deposits | 53.3679% | 4,145 |
| Net loans and leases to core deposits | 54.5829% | 4,232 |
| Total domestic deposits to total assets | 86.7718% | 2,048 |
| Equity capital to assets | 9.9444% | 3,182 |
| Core capital (leverage) ratio | 9.6642% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1235% | 888 |
| Memoranda: | ||
| Average total assets | $229,555,400 | 2,721 |
| Average earning assets | $220,142,000 | 2,670 |
| Average equity | $25,300,400 | 2,775 |
| Average total loans | $123,464,600 | 2,944 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 3,919 |
| Cost of funding earning assets | 0.4834% | 3,337 |
| Net interest margin | 3.1617% | 3,589 |
| Noninterest income to average assets | 1.2556% | 691 |
| Noninterest expense to average assets | 2.1848% | 3,717 |
| Loan and lease loss provision to assets | 0.0299% | 3,959 |
| Net operating income to assets | 1.9779% | 315 |
| Return on assets (ROA) | 1.9779% | 343 |
| Pretax return on assets | 2.0819% | 435 |
| Return on Equity (ROE) | 17.4688% | 405 |
| Retained earnings to average equity (ytd only) | 12.2182% | 398 |
| Net charge-offs to loans | 0.0320% | 2,187 |
| Credit loss provision to net charge-offs | 166.6667% | 2,239 |
| Earnings coverage of net charge-offs (x) | 118.4000% | 700 |
| Efficiency ratio | 50.8510% | 4,430 |
| Assets per employee ($millions) | 5.9315% | 2,325 |
| Cash dividends to net income (ytd only)* | 30.0571% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,126 |
| Loan loss allowance to noncurrent loans | 1,001.2579% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 4,114 |
| Noncurrent loans to loans | 0.1306% | 3,863 |
| Net loans and leases to total assets | 49.3978% | 4,125 |
| Net loans and leases to deposits | 57.8158% | 4,170 |
| Net loans and leases to core deposits | 59.1082% | 4,249 |
| Total domestic deposits to total assets | 85.4400% | 2,270 |
| Equity capital to assets | 11.0254% | 2,381 |
| Core capital (leverage) ratio | 10.6520% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3125% | 753 |
| Memoranda: | ||
| Average total assets | $224,273,000 | 2,740 |
| Average earning assets | $215,700,500 | 2,696 |
| Average equity | $25,393,250 | 2,766 |
| Average total loans | $124,910,500 | 2,930 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 3,616 |
| Cost of funding earning assets | 0.4925% | 3,583 |
| Net interest margin | 3.4071% | 3,077 |
| Noninterest income to average assets | 1.0396% | 918 |
| Noninterest expense to average assets | 2.1095% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.0893% | 270 |
| Return on assets (ROA) | 2.0893% | 305 |
| Pretax return on assets | 2.1994% | 364 |
| Return on Equity (ROE) | 18.2745% | 346 |
| Retained earnings to average equity (ytd only) | 18.2745% | 116 |
| Net charge-offs to loans | 0.0016% | 2,968 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2,397.0000% | 34 |
| Efficiency ratio | 48.9566% | 4,561 |
| Assets per employee ($millions) | 5.6062% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,266 |
| Loan loss allowance to noncurrent loans | 118.4627% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,114 |
| Noncurrent loans to loans | 1.0537% | 1,485 |
| Net loans and leases to total assets | 52.8196% | 3,968 |
| Net loans and leases to deposits | 62.1161% | 3,999 |
| Net loans and leases to core deposits | 63.5432% | 4,102 |
| Total domestic deposits to total assets | 85.0337% | 2,383 |
| Equity capital to assets | 11.3683% | 2,066 |
| Core capital (leverage) ratio | 11.5778% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5285% | 716 |
| Memoranda: | ||
| Average total assets | $217,966,333 | 2,774 |
| Average earning assets | $209,149,000 | 2,721 |
| Average equity | $24,920,000 | 2,782 |
| Average total loans | $125,972,667 | 2,909 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 3,105 |
| Cost of funding earning assets | 0.5364% | 3,765 |
| Net interest margin | 3.6985% | 2,323 |
| Noninterest income to average assets | 0.8202% | 1,254 |
| Noninterest expense to average assets | 2.1241% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1184% | 216 |
| Return on assets (ROA) | 2.1184% | 238 |
| Pretax return on assets | 2.2292% | 278 |
| Return on Equity (ROE) | 18.4697% | 235 |
| Retained earnings to average equity (ytd only) | 18.4697% | 81 |
| Net charge-offs to loans | -0.0032% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7923% | 4,720 |
| Assets per employee ($millions) | 4.9825% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,375 |
| Loan loss allowance to noncurrent loans | 118.5241% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 2,098 |
| Noncurrent loans to loans | 1.0568% | 1,568 |
| Net loans and leases to total assets | 59.2977% | 3,564 |
| Net loans and leases to deposits | 67.1584% | 3,782 |
| Net loans and leases to core deposits | 68.9381% | 3,941 |
| Total domestic deposits to total assets | 88.2953% | 978 |
| Equity capital to assets | 11.4419% | 2,493 |
| Core capital (leverage) ratio | 11.9218% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7727% | 1,016 |
| Memoranda: | ||
| Average total assets | $209,218,500 | 2,796 |
| Average earning assets | $199,865,500 | 2,740 |
| Average equity | $23,996,000 | 2,850 |
| Average total loans | $125,988,000 | 2,889 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 3,563 |
| Cost of funding earning assets | 0.5309% | 3,967 |
| Net interest margin | 3.7588% | 2,642 |
| Noninterest income to average assets | 1.0366% | 897 |
| Noninterest expense to average assets | 2.2187% | 4,126 |
| Loan and lease loss provision to assets | 0.1005% | 2,049 |
| Net operating income to assets | 2.2188% | 216 |
| Return on assets (ROA) | 2.2120% | 230 |
| Pretax return on assets | 2.3240% | 291 |
| Return on Equity (ROE) | 19.4230% | 244 |
| Retained earnings to average equity (ytd only) | 0.1848% | 4,635 |
| Net charge-offs to loans | 0.0048% | 3,503 |
| Credit loss provision to net charge-offs | 3,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 847.1667% | 124 |
| Efficiency ratio | 47.7111% | 4,844 |
| Assets per employee ($millions) | 5.2293% | 2,316 |
| Cash dividends to net income (ytd only)* | 99.0484% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,195 |
| Loan loss allowance to noncurrent loans | 1,092.3611% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,283 |
| Noncurrent loans to loans | 0.1140% | 4,074 |
| Net loans and leases to total assets | 59.6349% | 3,621 |
| Net loans and leases to deposits | 67.5525% | 3,860 |
| Net loans and leases to core deposits | 69.0363% | 4,014 |
| Total domestic deposits to total assets | 88.2794% | 991 |
| Equity capital to assets | 11.4968% | 2,530 |
| Core capital (leverage) ratio | 11.6404% | 2,009 |
| Tier 1 risk-based capital ratio | 16.7148% | 2,153 |
| Total risk-based capital ratio | 17.8308% | 2,131 |
| Memoranda: | ||
| Average total assets | $209,039,600 | 2,767 |
| Average earning assets | $200,970,400 | 2,703 |
| Average equity | $23,806,800 | 2,812 |
| Average total loans | $125,227,600 | 2,876 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 3,717 |
| Cost of funding earning assets | 0.5295% | 4,028 |
| Net interest margin | 3.7506% | 2,749 |
| Noninterest income to average assets | 0.7846% | 1,468 |
| Noninterest expense to average assets | 2.1983% | 4,186 |
| Loan and lease loss provision to assets | 0.1340% | 1,434 |
| Net operating income to assets | 1.9726% | 416 |
| Return on assets (ROA) | 1.9635% | 445 |
| Pretax return on assets | 2.0669% | 594 |
| Return on Equity (ROE) | 17.2821% | 451 |
| Retained earnings to average equity (ytd only) | -0.0112% | 4,758 |
| Net charge-offs to loans | -0.0043% | 4,164 |
| Credit loss provision to net charge-offs | -5,250.0000% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8625% | 4,754 |
| Assets per employee ($millions) | 5.0273% | 2,525 |
| Cash dividends to net income (ytd only)* | 100.0648% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,093 |
| Loan loss allowance to noncurrent loans | 875.1381% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,267 |
| Noncurrent loans to loans | 0.1457% | 4,018 |
| Net loans and leases to total assets | 60.9962% | 3,594 |
| Net loans and leases to deposits | 69.5141% | 3,797 |
| Net loans and leases to core deposits | 71.1516% | 3,997 |
| Total domestic deposits to total assets | 87.7465% | 1,149 |
| Equity capital to assets | 11.8771% | 2,350 |
| Core capital (leverage) ratio | 11.4865% | 2,231 |
| Tier 1 risk-based capital ratio | 16.9236% | 2,106 |
| Total risk-based capital ratio | 18.0637% | 2,095 |
| Memoranda: | ||
| Average total assets | $209,006,750 | 2,787 |
| Average earning assets | $201,956,250 | 2,712 |
| Average equity | $23,746,500 | 2,830 |
| Average total loans | $124,956,500 | 2,911 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2102% | 3,902 |
| Cost of funding earning assets | 0.5169% | 4,051 |
| Net interest margin | 3.6933% | 2,950 |
| Noninterest income to average assets | 0.7673% | 1,450 |
| Noninterest expense to average assets | 2.1319% | 4,356 |
| Loan and lease loss provision to assets | 0.1984% | 866 |
| Net operating income to assets | 1.9091% | 468 |
| Return on assets (ROA) | 1.8956% | 509 |
| Pretax return on assets | 1.9949% | 684 |
| Return on Equity (ROE) | 16.9278% | 474 |
| Retained earnings to average equity (ytd only) | -2.3122% | 4,935 |
| Net charge-offs to loans | 0.0096% | 2,791 |
| Credit loss provision to net charge-offs | 3,500.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 389.3333% | 204 |
| Efficiency ratio | 49.1289% | 4,830 |
| Assets per employee ($millions) | 5.1014% | 2,361 |
| Cash dividends to net income (ytd only)* | 113.6590% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,027 |
| Loan loss allowance to noncurrent loans | 1,070.0680% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,397 |
| Noncurrent loans to loans | 0.1212% | 4,138 |
| Net loans and leases to total assets | 58.6491% | 3,852 |
| Net loans and leases to deposits | 66.5382% | 4,059 |
| Net loans and leases to core deposits | 67.8218% | 4,214 |
| Total domestic deposits to total assets | 88.1435% | 1,033 |
| Equity capital to assets | 11.5566% | 2,568 |
| Core capital (leverage) ratio | 11.2510% | 2,377 |
| Tier 1 risk-based capital ratio | 17.0090% | 2,086 |
| Total risk-based capital ratio | 18.1602% | 2,053 |
| Memoranda: | ||
| Average total assets | $211,644,670 | 2,764 |
| Average earning assets | $204,692,330 | 2,687 |
| Average equity | $23,700,670 | 2,824 |
| Average total loans | $125,194,330 | 2,923 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 4,013 |
| Cost of funding earning assets | 0.5035% | 4,043 |
| Net interest margin | 3.6435% | 3,097 |
| Noninterest income to average assets | 0.6647% | 1,752 |
| Noninterest expense to average assets | 2.1370% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9458% | 423 |
| Return on assets (ROA) | 1.9458% | 438 |
| Pretax return on assets | 2.0479% | 587 |
| Return on Equity (ROE) | 17.6431% | 434 |
| Retained earnings to average equity (ytd only) | 17.6431% | 157 |
| Net charge-offs to loans | 0.0157% | 2,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 220.6000% | 354 |
| Efficiency ratio | 51.0648% | 4,755 |
| Assets per employee ($millions) | 5.2117% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,188 |
| Loan loss allowance to noncurrent loans | 1,165.8120% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0548% | 4,546 |
| Noncurrent loans to loans | 0.0934% | 4,329 |
| Net loans and leases to total assets | 57.9984% | 3,891 |
| Net loans and leases to deposits | 65.6832% | 4,078 |
| Net loans and leases to core deposits | 67.3125% | 4,218 |
| Total domestic deposits to total assets | 88.3003% | 1,188 |
| Equity capital to assets | 11.4550% | 2,438 |
| Core capital (leverage) ratio | 11.3962% | 2,218 |
| Tier 1 risk-based capital ratio | 17.3685% | 1,990 |
| Total risk-based capital ratio | 18.3329% | 2,027 |
| Memoranda: | ||
| Average total assets | $215,439,000 | 2,759 |
| Average earning assets | $208,152,500 | 2,684 |
| Average equity | $23,760,000 | 2,827 |
| Average total loans | $127,166,500 | 2,935 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9822% | 4,075 |
| Cost of funding earning assets | 0.4011% | 3,981 |
| Net interest margin | 3.5812% | 3,446 |
| Noninterest income to average assets | 1.0228% | 902 |
| Noninterest expense to average assets | 2.1022% | 4,559 |
| Loan and lease loss provision to assets | 0.0479% | 3,225 |
| Net operating income to assets | 2.2063% | 248 |
| Return on assets (ROA) | 2.1299% | 279 |
| Pretax return on assets | 2.2371% | 324 |
| Return on Equity (ROE) | 19.6437% | 270 |
| Retained earnings to average equity (ytd only) | 0.7195% | 4,792 |
| Net charge-offs to loans | 0.0167% | 3,132 |
| Credit loss provision to net charge-offs | 476.1905% | 716 |
| Earnings coverage of net charge-offs (x) | 235.3333% | 397 |
| Efficiency ratio | 47.0538% | 5,086 |
| Assets per employee ($millions) | 5.4300% | 2,028 |
| Cash dividends to net income (ytd only)* | 96.3371% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,318 |
| Loan loss allowance to noncurrent loans | 1,122.1311% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,565 |
| Noncurrent loans to loans | 0.0945% | 4,323 |
| Net loans and leases to total assets | 58.7800% | 3,895 |
| Net loans and leases to deposits | 65.8838% | 4,128 |
| Net loans and leases to core deposits | 67.5748% | 4,263 |
| Total domestic deposits to total assets | 89.2177% | 767 |
| Equity capital to assets | 10.6092% | 3,070 |
| Core capital (leverage) ratio | 11.6403% | 2,000 |
| Tier 1 risk-based capital ratio | 16.0965% | 2,372 |
| Total risk-based capital ratio | 17.0336% | 2,420 |
| Memoranda: | ||
| Average total assets | $208,928,000 | 2,777 |
| Average earning assets | $200,967,400 | 2,712 |
| Average equity | $22,653,600 | 2,853 |
| Average total loans | $125,862,400 | 2,931 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 4,029 |
| Cost of funding earning assets | 0.3823% | 3,981 |
| Net interest margin | 3.5849% | 3,415 |
| Noninterest income to average assets | 0.8237% | 1,401 |
| Noninterest expense to average assets | 2.0625% | 4,617 |
| Loan and lease loss provision to assets | 0.0322% | 3,376 |
| Net operating income to assets | 2.0714% | 330 |
| Return on assets (ROA) | 2.0561% | 333 |
| Pretax return on assets | 2.1644% | 419 |
| Return on Equity (ROE) | 18.8561% | 351 |
| Retained earnings to average equity (ytd only) | 5.8519% | 2,729 |
| Net charge-offs to loans | 0.0309% | 2,475 |
| Credit loss provision to net charge-offs | 172.4138% | 1,550 |
| Earnings coverage of net charge-offs (x) | 118.3662% | 667 |
| Efficiency ratio | 48.2436% | 5,041 |
| Assets per employee ($millions) | 4.8628% | 2,648 |
| Cash dividends to net income (ytd only)* | 68.9655% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,641 |
| Loan loss allowance to noncurrent loans | 923.2394% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,620 |
| Noncurrent loans to loans | 0.1104% | 4,394 |
| Net loans and leases to total assets | 63.8430% | 3,446 |
| Net loans and leases to deposits | 73.3524% | 3,656 |
| Net loans and leases to core deposits | 74.5808% | 3,905 |
| Total domestic deposits to total assets | 87.0360% | 1,713 |
| Equity capital to assets | 11.7793% | 2,047 |
| Core capital (leverage) ratio | 12.1009% | 1,724 |
| Tier 1 risk-based capital ratio | 16.7400% | 2,187 |
| Total risk-based capital ratio | 17.6416% | 2,248 |
| Memoranda: | ||
| Average total assets | $206,860,500 | 2,822 |
| Average earning assets | $199,162,000 | 2,743 |
| Average equity | $22,556,250 | 2,869 |
| Average total loans | $125,068,500 | 2,967 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9434% | 3,943 |
| Cost of funding earning assets | 0.3695% | 3,940 |
| Net interest margin | 3.5739% | 3,403 |
| Noninterest income to average assets | 0.8063% | 1,458 |
| Noninterest expense to average assets | 2.0176% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1151% | 304 |
| Return on assets (ROA) | 2.1151% | 298 |
| Pretax return on assets | 2.2259% | 374 |
| Return on Equity (ROE) | 19.9041% | 275 |
| Retained earnings to average equity (ytd only) | 0.1259% | 4,934 |
| Net charge-offs to loans | 0.0517% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 72.8125% | 884 |
| Efficiency ratio | 47.5462% | 5,137 |
| Assets per employee ($millions) | 4.9408% | 2,491 |
| Cash dividends to net income (ytd only)* | 99.3677% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,603 |
| Loan loss allowance to noncurrent loans | 559.1111% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 4,440 |
| Noncurrent loans to loans | 0.1858% | 4,074 |
| Net loans and leases to total assets | 59.1694% | 3,888 |
| Net loans and leases to deposits | 66.7658% | 4,125 |
| Net loans and leases to core deposits | 67.7122% | 4,271 |
| Total domestic deposits to total assets | 88.6223% | 1,086 |
| Equity capital to assets | 11.1571% | 2,497 |
| Core capital (leverage) ratio | 11.1970% | 2,350 |
| Tier 1 risk-based capital ratio | 16.6201% | 2,219 |
| Total risk-based capital ratio | 17.5149% | 2,283 |
| Memoranda: | ||
| Average total assets | $209,355,670 | 2,814 |
| Average earning assets | $201,351,000 | 2,743 |
| Average equity | $22,246,670 | 2,908 |
| Average total loans | $123,892,000 | 2,994 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 4,035 |
| Cost of funding earning assets | 0.3507% | 3,983 |
| Net interest margin | 3.5134% | 3,489 |
| Noninterest income to average assets | 0.7088% | 1,790 |
| Noninterest expense to average assets | 1.9704% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0042% | 372 |
| Return on assets (ROA) | 2.0042% | 372 |
| Pretax return on assets | 2.1095% | 454 |
| Return on Equity (ROE) | 19.3208% | 295 |
| Retained earnings to average equity (ytd only) | -20.5533% | 5,510 |
| Net charge-offs to loans | 0.0575% | 1,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 62.3333% | 824 |
| Efficiency ratio | 48.2949% | 5,180 |
| Assets per employee ($millions) | 5.2111% | 2,238 |
| Cash dividends to net income (ytd only)* | 206.3790% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,875 |
| Loan loss allowance to noncurrent loans | 842.3841% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,734 |
| Noncurrent loans to loans | 0.1202% | 4,424 |
| Net loans and leases to total assets | 58.2006% | 3,922 |
| Net loans and leases to deposits | 64.8059% | 4,167 |
| Net loans and leases to core deposits | 65.5721% | 4,337 |
| Total domestic deposits to total assets | 89.8074% | 739 |
| Equity capital to assets | 10.0222% | 3,571 |
| Core capital (leverage) ratio | 10.2251% | 3,270 |
| Tier 1 risk-based capital ratio | 15.3834% | 2,701 |
| Total risk-based capital ratio | 16.2624% | 2,787 |
| Memoranda: | ||
| Average total assets | $212,748,000 | 2,814 |
| Average earning assets | $204,134,500 | 2,747 |
| Average equity | $22,069,500 | 2,953 |
| Average total loans | $125,279,000 | 2,996 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6101% | 4,554 |
| Cost of funding earning assets | 0.3208% | 3,945 |
| Net interest margin | 3.2893% | 4,189 |
| Noninterest income to average assets | 0.9625% | 1,109 |
| Noninterest expense to average assets | 2.0511% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9623% | 304 |
| Return on assets (ROA) | 1.9485% | 319 |
| Pretax return on assets | 2.0554% | 434 |
| Return on Equity (ROE) | 17.7014% | 330 |
| Retained earnings to average equity (ytd only) | 1.5163% | 4,394 |
| Net charge-offs to loans | -0.1185% | 5,418 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7725% | 5,228 |
| Assets per employee ($millions) | 5.1668% | 2,294 |
| Cash dividends to net income (ytd only)* | 91.4341% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,724 |
| Loan loss allowance to noncurrent loans | 902.0979% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 4,632 |
| Noncurrent loans to loans | 0.1145% | 4,475 |
| Net loans and leases to total assets | 58.3681% | 3,976 |
| Net loans and leases to deposits | 66.3075% | 4,161 |
| Net loans and leases to core deposits | 67.2163% | 4,350 |
| Total domestic deposits to total assets | 88.0263% | 1,486 |
| Equity capital to assets | 10.7279% | 2,915 |
| Core capital (leverage) ratio | 10.9626% | 2,377 |
| Tier 1 risk-based capital ratio | 16.2635% | 2,342 |
| Total risk-based capital ratio | 17.1620% | 2,406 |
| Memoranda: | ||
| Average total assets | $213,296,600 | 2,784 |
| Average earning assets | $204,814,000 | 2,724 |
| Average equity | $23,478,400 | 2,810 |
| Average total loans | $118,116,800 | 3,086 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5525% | 4,683 |
| Cost of funding earning assets | 0.3165% | 3,968 |
| Net interest margin | 3.2360% | 4,370 |
| Noninterest income to average assets | 0.7183% | 1,918 |
| Noninterest expense to average assets | 1.9925% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7391% | 540 |
| Return on assets (ROA) | 1.7379% | 552 |
| Pretax return on assets | 1.8378% | 807 |
| Return on Equity (ROE) | 15.6899% | 560 |
| Retained earnings to average equity (ytd only) | 10.6195% | 468 |
| Net charge-offs to loans | -0.0252% | 4,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0033% | 5,097 |
| Assets per employee ($millions) | 4.9950% | 2,450 |
| Cash dividends to net income (ytd only)* | 32.3160% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,110 |
| Loan loss allowance to noncurrent loans | 1,380.0000% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,873 |
| Noncurrent loans to loans | 0.0719% | 4,790 |
| Net loans and leases to total assets | 55.8258% | 4,244 |
| Net loans and leases to deposits | 63.7079% | 4,400 |
| Net loans and leases to core deposits | 64.6001% | 4,580 |
| Total domestic deposits to total assets | 87.6277% | 1,561 |
| Equity capital to assets | 11.8303% | 2,090 |
| Core capital (leverage) ratio | 11.7737% | 1,835 |
| Tier 1 risk-based capital ratio | 18.2162% | 1,801 |
| Total risk-based capital ratio | 19.0750% | 1,854 |
| Memoranda: | ||
| Average total assets | $213,660,750 | 2,803 |
| Average earning assets | $205,560,250 | 2,732 |
| Average equity | $23,666,500 | 2,814 |
| Average total loans | $116,411,750 | 3,127 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 4,758 |
| Cost of funding earning assets | 0.3092% | 3,990 |
| Net interest margin | 3.1930% | 4,440 |
| Noninterest income to average assets | 0.7499% | 1,772 |
| Noninterest expense to average assets | 1.9418% | 5,100 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7706% | 481 |
| Return on assets (ROA) | 1.7706% | 488 |
| Pretax return on assets | 1.8730% | 703 |
| Return on Equity (ROE) | 16.3472% | 485 |
| Retained earnings to average equity (ytd only) | 8.6160% | 964 |
| Net charge-offs to loans | -0.0311% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9024% | 5,249 |
| Assets per employee ($millions) | 5.1590% | 2,203 |
| Cash dividends to net income (ytd only)* | 47.2937% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 4,286 |
| Loan loss allowance to noncurrent loans | 189.6104% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,971 |
| Noncurrent loans to loans | 0.5150% | 3,209 |
| Net loans and leases to total assets | 55.9952% | 4,227 |
| Net loans and leases to deposits | 63.3071% | 4,410 |
| Net loans and leases to core deposits | 64.3196% | 4,579 |
| Total domestic deposits to total assets | 88.4502% | 1,230 |
| Equity capital to assets | 11.3097% | 2,486 |
| Core capital (leverage) ratio | 11.0028% | 2,401 |
| Tier 1 risk-based capital ratio | 17.5254% | 2,000 |
| Total risk-based capital ratio | 18.3783% | 2,072 |
| Memoranda: | ||
| Average total assets | $214,950,330 | 2,809 |
| Average earning assets | $206,328,000 | 2,741 |
| Average equity | $23,282,330 | 2,849 |
| Average total loans | $115,785,330 | 3,147 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4072% | 4,912 |
| Cost of funding earning assets | 0.3013% | 4,031 |
| Net interest margin | 3.1058% | 4,635 |
| Noninterest income to average assets | 0.6388% | 2,230 |
| Noninterest expense to average assets | 2.0382% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4825% | 848 |
| Return on assets (ROA) | 1.4825% | 872 |
| Pretax return on assets | 1.5692% | 1,314 |
| Return on Equity (ROE) | 13.9880% | 812 |
| Retained earnings to average equity (ytd only) | 13.9880% | 297 |
| Net charge-offs to loans | -0.0035% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4995% | 4,889 |
| Assets per employee ($millions) | 5.4122% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 4,183 |
| Loan loss allowance to noncurrent loans | 1,324.1379% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 5,150 |
| Noncurrent loans to loans | 0.0768% | 4,892 |
| Net loans and leases to total assets | 50.5372% | 4,629 |
| Net loans and leases to deposits | 56.6268% | 4,778 |
| Net loans and leases to core deposits | 57.2565% | 4,912 |
| Total domestic deposits to total assets | 89.2461% | 1,030 |
| Equity capital to assets | 10.5899% | 3,077 |
| Core capital (leverage) ratio | 10.6369% | 2,755 |
| Tier 1 risk-based capital ratio | 18.1113% | 1,835 |
| Total risk-based capital ratio | 18.9879% | 1,916 |
| Memoranda: | ||
| Average total assets | $216,666,500 | 2,821 |
| Average earning assets | $207,093,500 | 2,756 |
| Average equity | $22,962,500 | 2,897 |
| Average total loans | $113,874,000 | 3,192 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 4,672 |
| Cost of funding earning assets | 0.2896% | 4,177 |
| Net interest margin | 3.2478% | 4,307 |
| Noninterest income to average assets | 0.9235% | 1,339 |
| Noninterest expense to average assets | 1.9153% | 5,344 |
| Loan and lease loss provision to assets | 0.1601% | 1,542 |
| Net operating income to assets | 1.8799% | 386 |
| Return on assets (ROA) | 1.8799% | 400 |
| Pretax return on assets | 1.9657% | 543 |
| Return on Equity (ROE) | 18.3398% | 304 |
| Retained earnings to average equity (ytd only) | 6.6324% | 1,391 |
| Net charge-offs to loans | 0.1979% | 1,402 |
| Credit loss provision to net charge-offs | 151.7391% | 1,802 |
| Earnings coverage of net charge-offs (x) | 20.1478% | 1,868 |
| Efficiency ratio | 47.3947% | 5,599 |
| Assets per employee ($millions) | 5.2858% | 2,079 |
| Cash dividends to net income (ytd only)* | 63.8360% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 4,288 |
| Loan loss allowance to noncurrent loans | 757.2368% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 5,042 |
| Noncurrent loans to loans | 0.1328% | 4,702 |
| Net loans and leases to total assets | 53.5881% | 4,473 |
| Net loans and leases to deposits | 60.0370% | 4,663 |
| Net loans and leases to core deposits | 60.8364% | 4,820 |
| Total domestic deposits to total assets | 89.2585% | 975 |
| Equity capital to assets | 10.6024% | 3,040 |
| Core capital (leverage) ratio | 10.4391% | 2,942 |
| Tier 1 risk-based capital ratio | 17.0043% | 2,159 |
| Total risk-based capital ratio | 17.8557% | 2,250 |
| Memoranda: | ||
| Average total assets | $217,985,600 | 2,778 |
| Average earning assets | $209,248,400 | 2,699 |
| Average equity | $22,344,800 | 2,958 |
| Average total loans | $116,205,600 | 3,125 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 4,818 |
| Cost of funding earning assets | 0.2794% | 4,299 |
| Net interest margin | 3.2157% | 4,442 |
| Noninterest income to average assets | 0.6921% | 2,203 |
| Noninterest expense to average assets | 1.9196% | 5,347 |
| Loan and lease loss provision to assets | 0.2119% | 996 |
| Net operating income to assets | 1.5802% | 762 |
| Return on assets (ROA) | 1.5802% | 798 |
| Pretax return on assets | 1.6634% | 1,213 |
| Return on Equity (ROE) | 15.5445% | 603 |
| Retained earnings to average equity (ytd only) | 3.8040% | 3,605 |
| Net charge-offs to loans | 0.1886% | 1,236 |
| Credit loss provision to net charge-offs | 211.5152% | 1,385 |
| Earnings coverage of net charge-offs (x) | 18.7216% | 1,980 |
| Efficiency ratio | 50.5839% | 5,462 |
| Assets per employee ($millions) | 5.5746% | 1,779 |
| Cash dividends to net income (ytd only)* | 75.5283% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 4,125 |
| Loan loss allowance to noncurrent loans | 764.7799% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 5,143 |
| Noncurrent loans to loans | 0.1373% | 4,792 |
| Net loans and leases to total assets | 52.7195% | 4,593 |
| Net loans and leases to deposits | 58.9369% | 4,826 |
| Net loans and leases to core deposits | 59.6970% | 4,948 |
| Total domestic deposits to total assets | 89.4508% | 700 |
| Equity capital to assets | 10.3055% | 3,796 |
| Core capital (leverage) ratio | 9.9503% | 3,629 |
| Tier 1 risk-based capital ratio | 16.3094% | 2,493 |
| Total risk-based capital ratio | 17.2051% | 2,584 |
| Memoranda: | ||
| Average total assets | $219,623,750 | 2,772 |
| Average earning assets | $211,916,000 | 2,685 |
| Average equity | $22,326,750 | 2,984 |
| Average total loans | $116,643,500 | 3,125 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 4,936 |
| Cost of funding earning assets | 0.2734% | 4,408 |
| Net interest margin | 3.2011% | 4,535 |
| Noninterest income to average assets | 0.6871% | 2,202 |
| Noninterest expense to average assets | 1.8733% | 5,497 |
| Loan and lease loss provision to assets | 0.2314% | 875 |
| Net operating income to assets | 1.5810% | 754 |
| Return on assets (ROA) | 1.5810% | 798 |
| Pretax return on assets | 1.6645% | 1,186 |
| Return on Equity (ROE) | 15.6228% | 593 |
| Retained earnings to average equity (ytd only) | 12.3404% | 284 |
| Net charge-offs to loans | 0.1574% | 1,388 |
| Credit loss provision to net charge-offs | 277.1739% | 1,019 |
| Earnings coverage of net charge-offs (x) | 22.7065% | 1,616 |
| Efficiency ratio | 49.6990% | 5,579 |
| Assets per employee ($millions) | 6.1636% | 1,290 |
| Cash dividends to net income (ytd only)* | 21.0103% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 4,450 |
| Loan loss allowance to noncurrent loans | 489.3443% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 5,073 |
| Noncurrent loans to loans | 0.2066% | 4,617 |
| Net loans and leases to total assets | 52.6860% | 4,617 |
| Net loans and leases to deposits | 59.3539% | 4,830 |
| Net loans and leases to core deposits | 60.0089% | 4,979 |
| Total domestic deposits to total assets | 88.7660% | 1,033 |
| Equity capital to assets | 10.4954% | 3,635 |
| Core capital (leverage) ratio | 10.1916% | 3,343 |
| Tier 1 risk-based capital ratio | 16.3333% | 2,488 |
| Total risk-based capital ratio | 17.1856% | 2,610 |
| Memoranda: | ||
| Average total assets | $220,362,000 | 2,770 |
| Average earning assets | $212,175,330 | 2,695 |
| Average equity | $22,300,670 | 2,994 |
| Average total loans | $116,913,670 | 3,130 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,046 |
| Cost of funding earning assets | 0.2718% | 4,480 |
| Net interest margin | 3.1591% | 4,704 |
| Noninterest income to average assets | 0.5319% | 2,921 |
| Noninterest expense to average assets | 2.0947% | 5,122 |
| Loan and lease loss provision to assets | 0.3843% | 372 |
| Net operating income to assets | 1.0255% | 2,180 |
| Return on assets (ROA) | 1.0255% | 2,297 |
| Pretax return on assets | 1.0802% | 3,171 |
| Return on Equity (ROE) | 10.3270% | 1,842 |
| Retained earnings to average equity (ytd only) | 3.6135% | 3,687 |
| Net charge-offs to loans | 0.4574% | 492 |
| Credit loss provision to net charge-offs | 158.6466% | 1,233 |
| Earnings coverage of net charge-offs (x) | 6.0451% | 2,272 |
| Efficiency ratio | 58.8536% | 4,893 |
| Assets per employee ($millions) | 5.7575% | 1,616 |
| Cash dividends to net income (ytd only)* | 65.0089% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,878 |
| Loan loss allowance to noncurrent loans | 436.6142% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 5,121 |
| Noncurrent loans to loans | 0.2163% | 4,654 |
| Net loans and leases to total assets | 51.7930% | 4,644 |
| Net loans and leases to deposits | 57.5303% | 4,882 |
| Net loans and leases to core deposits | 58.2215% | 5,033 |
| Total domestic deposits to total assets | 90.0273% | 586 |
| Equity capital to assets | 9.8021% | 4,335 |
| Core capital (leverage) ratio | 9.9772% | 3,556 |
| Tier 1 risk-based capital ratio | 15.9230% | 2,716 |
| Total risk-based capital ratio | 16.7366% | 2,858 |
| Memoranda: | ||
| Average total assets | $219,599,000 | 2,781 |
| Average earning assets | $210,442,000 | 2,713 |
| Average equity | $21,807,000 | 3,041 |
| Average total loans | $116,321,500 | 3,139 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4999% | 4,920 |
| Cost of funding earning assets | 0.3093% | 4,151 |
| Net interest margin | 3.1905% | 4,660 |
| Noninterest income to average assets | 0.8884% | 1,472 |
| Noninterest expense to average assets | 2.0139% | 5,428 |
| Loan and lease loss provision to assets | 0.0367% | 3,611 |
| Net operating income to assets | 1.7954% | 487 |
| Return on assets (ROA) | 1.7967% | 499 |
| Pretax return on assets | 1.8853% | 674 |
| Return on Equity (ROE) | 17.5351% | 411 |
| Retained earnings to average equity (ytd only) | 2.5847% | 4,232 |
| Net charge-offs to loans | 0.0174% | 3,935 |
| Credit loss provision to net charge-offs | 405.2632% | 752 |
| Earnings coverage of net charge-offs (x) | 212.2105% | 321 |
| Efficiency ratio | 51.1864% | 5,687 |
| Assets per employee ($millions) | 5.3664% | 1,934 |
| Cash dividends to net income (ytd only)* | 85.2598% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 5,099 |
| Loan loss allowance to noncurrent loans | 433.1933% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 5,149 |
| Noncurrent loans to loans | 0.2065% | 4,676 |
| Net loans and leases to total assets | 53.2042% | 4,572 |
| Net loans and leases to deposits | 59.2549% | 4,830 |
| Net loans and leases to core deposits | 60.0289% | 4,982 |
| Total domestic deposits to total assets | 89.7887% | 719 |
| Equity capital to assets | 10.0646% | 3,888 |
| Core capital (leverage) ratio | 10.0116% | 3,491 |
| Tier 1 risk-based capital ratio | 15.9194% | 2,729 |
| Total risk-based capital ratio | 16.6826% | 2,905 |
| Memoranda: | ||
| Average total assets | $209,939,400 | 2,854 |
| Average earning assets | $200,436,000 | 2,771 |
| Average equity | $21,511,200 | 3,024 |
| Average total loans | $109,041,400 | 3,217 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 5,036 |
| Cost of funding earning assets | 0.3138% | 4,179 |
| Net interest margin | 3.1616% | 4,797 |
| Noninterest income to average assets | 0.6744% | 2,358 |
| Noninterest expense to average assets | 2.0003% | 5,478 |
| Loan and lease loss provision to assets | 0.0268% | 3,727 |
| Net operating income to assets | 1.5878% | 790 |
| Return on assets (ROA) | 1.5897% | 824 |
| Pretax return on assets | 1.6733% | 1,178 |
| Return on Equity (ROE) | 15.4439% | 672 |
| Retained earnings to average equity (ytd only) | 1.4892% | 5,122 |
| Net charge-offs to loans | 0.0174% | 3,603 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 189.8897% | 377 |
| Efficiency ratio | 54.0839% | 5,503 |
| Assets per employee ($millions) | 5.0935% | 2,187 |
| Cash dividends to net income (ytd only)* | 90.3576% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 5,237 |
| Loan loss allowance to noncurrent loans | 498.0100% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 5,362 |
| Noncurrent loans to loans | 0.1787% | 4,941 |
| Net loans and leases to total assets | 53.3704% | 4,633 |
| Net loans and leases to deposits | 59.6871% | 4,876 |
| Net loans and leases to core deposits | 60.4102% | 5,039 |
| Total domestic deposits to total assets | 89.4169% | 812 |
| Equity capital to assets | 10.3015% | 3,816 |
| Core capital (leverage) ratio | 10.0188% | 3,600 |
| Tier 1 risk-based capital ratio | 15.8581% | 2,864 |
| Total risk-based capital ratio | 16.6073% | 3,046 |
| Memoranda: | ||
| Average total assets | $208,760,750 | 2,890 |
| Average earning assets | $199,686,000 | 2,805 |
| Average equity | $21,488,000 | 3,047 |
| Average total loans | $107,492,750 | 3,272 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 5,165 |
| Cost of funding earning assets | 0.3187% | 4,175 |
| Net interest margin | 3.1105% | 4,944 |
| Noninterest income to average assets | 0.7033% | 2,204 |
| Noninterest expense to average assets | 1.9728% | 5,579 |
| Loan and lease loss provision to assets | 0.0163% | 3,799 |
| Net operating income to assets | 1.5945% | 751 |
| Return on assets (ROA) | 1.5972% | 773 |
| Pretax return on assets | 1.6815% | 1,119 |
| Return on Equity (ROE) | 15.5217% | 663 |
| Retained earnings to average equity (ytd only) | 3.5010% | 3,810 |
| Net charge-offs to loans | 0.0189% | 3,315 |
| Credit loss provision to net charge-offs | 170.0000% | 1,409 |
| Earnings coverage of net charge-offs (x) | 176.9000% | 376 |
| Efficiency ratio | 53.7879% | 5,607 |
| Assets per employee ($millions) | 5.1105% | 2,133 |
| Cash dividends to net income (ytd only)* | 77.4445% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8886% | 5,343 |
| Loan loss allowance to noncurrent loans | 441.4414% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 5,443 |
| Noncurrent loans to loans | 0.2013% | 4,963 |
| Net loans and leases to total assets | 52.1698% | 4,740 |
| Net loans and leases to deposits | 58.2960% | 4,973 |
| Net loans and leases to core deposits | 58.9964% | 5,136 |
| Total domestic deposits to total assets | 89.4913% | 903 |
| Equity capital to assets | 10.2706% | 3,722 |
| Core capital (leverage) ratio | 9.9957% | 3,610 |
| Tier 1 risk-based capital ratio | 16.0290% | 2,841 |
| Total risk-based capital ratio | 16.7656% | 3,045 |
| Memoranda: | ||
| Average total assets | $208,736,670 | 2,907 |
| Average earning assets | $198,942,000 | 2,829 |
| Average equity | $21,479,670 | 3,058 |
| Average total loans | $105,838,330 | 3,329 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 5,341 |
| Cost of funding earning assets | 0.3203% | 4,222 |
| Net interest margin | 3.0222% | 5,149 |
| Noninterest income to average assets | 0.6624% | 2,348 |
| Noninterest expense to average assets | 2.0697% | 5,448 |
| Loan and lease loss provision to assets | 0.0326% | 3,235 |
| Net operating income to assets | 1.3519% | 1,131 |
| Return on assets (ROA) | 1.3574% | 1,185 |
| Pretax return on assets | 1.4284% | 1,782 |
| Return on Equity (ROE) | 13.1783% | 1,040 |
| Retained earnings to average equity (ytd only) | 3.8771% | 3,677 |
| Net charge-offs to loans | 0.0386% | 2,446 |
| Credit loss provision to net charge-offs | 170.0000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 75.8000% | 617 |
| Efficiency ratio | 58.7146% | 5,255 |
| Assets per employee ($millions) | 5.1799% | 2,136 |
| Cash dividends to net income (ytd only)* | 70.5799% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 5,273 |
| Loan loss allowance to noncurrent loans | 371.2121% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 5,447 |
| Noncurrent loans to loans | 0.2541% | 4,876 |
| Net loans and leases to total assets | 49.6800% | 4,886 |
| Net loans and leases to deposits | 55.5991% | 5,075 |
| Net loans and leases to core deposits | 56.3546% | 5,230 |
| Total domestic deposits to total assets | 89.3540% | 1,067 |
| Equity capital to assets | 10.4394% | 3,600 |
| Core capital (leverage) ratio | 10.0609% | 3,523 |
| Tier 1 risk-based capital ratio | 16.3483% | 2,757 |
| Total risk-based capital ratio | 17.1056% | 2,928 |
| Memoranda: | ||
| Average total assets | $208,339,500 | 2,930 |
| Average earning assets | $197,336,500 | 2,870 |
| Average equity | $21,459,500 | 3,082 |
| Average total loans | $103,611,500 | 3,387 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2987% | 5,706 |
| Cost of funding earning assets | 0.3378% | 4,390 |
| Net interest margin | 2.9609% | 5,529 |
| Noninterest income to average assets | 0.7777% | 1,960 |
| Noninterest expense to average assets | 2.0411% | 5,692 |
| Loan and lease loss provision to assets | 0.0158% | 4,291 |
| Net operating income to assets | 1.4762% | 921 |
| Return on assets (ROA) | 1.4775% | 958 |
| Pretax return on assets | 1.5507% | 1,381 |
| Return on Equity (ROE) | 14.3833% | 869 |
| Retained earnings to average equity (ytd only) | -1.6147% | 5,976 |
| Net charge-offs to loans | -0.0139% | 5,629 |
| Credit loss provision to net charge-offs | -235.7143% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6013% | 5,607 |
| Assets per employee ($millions) | 4.9877% | 2,337 |
| Cash dividends to net income (ytd only)* | 111.2261% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 5,326 |
| Loan loss allowance to noncurrent loans | 892.6606% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 5,812 |
| Noncurrent loans to loans | 0.1055% | 5,474 |
| Net loans and leases to total assets | 48.8512% | 5,085 |
| Net loans and leases to deposits | 54.4770% | 5,294 |
| Net loans and leases to core deposits | 55.1136% | 5,439 |
| Total domestic deposits to total assets | 89.6731% | 884 |
| Equity capital to assets | 10.1626% | 3,902 |
| Core capital (leverage) ratio | 10.2083% | 3,298 |
| Tier 1 risk-based capital ratio | 16.7730% | 2,611 |
| Total risk-based capital ratio | 17.5521% | 2,757 |
| Memoranda: | ||
| Average total assets | $209,201,400 | 2,883 |
| Average earning assets | $199,836,000 | 2,809 |
| Average equity | $21,490,200 | 3,000 |
| Average total loans | $101,064,200 | 3,396 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2645% | 5,819 |
| Cost of funding earning assets | 0.3386% | 4,481 |
| Net interest margin | 2.9259% | 5,648 |
| Noninterest income to average assets | 0.5585% | 3,143 |
| Noninterest expense to average assets | 1.9694% | 5,819 |
| Loan and lease loss provision to assets | 0.0070% | 4,282 |
| Net operating income to assets | 1.3268% | 1,294 |
| Return on assets (ROA) | 1.3286% | 1,352 |
| Pretax return on assets | 1.3988% | 2,009 |
| Return on Equity (ROE) | 12.8994% | 1,239 |
| Retained earnings to average equity (ytd only) | -5.9916% | 6,287 |
| Net charge-offs to loans | -0.0186% | 5,593 |
| Credit loss provision to net charge-offs | -78.5714% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3822% | 5,394 |
| Assets per employee ($millions) | 4.9492% | 2,301 |
| Cash dividends to net income (ytd only)* | 146.4489% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 5,394 |
| Loan loss allowance to noncurrent loans | 522.5275% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,802 |
| Noncurrent loans to loans | 0.1831% | 5,364 |
| Net loans and leases to total assets | 48.5087% | 5,152 |
| Net loans and leases to deposits | 54.2364% | 5,369 |
| Net loans and leases to core deposits | 54.8903% | 5,511 |
| Total domestic deposits to total assets | 89.4395% | 1,011 |
| Equity capital to assets | 10.2683% | 3,831 |
| Core capital (leverage) ratio | 9.8057% | 3,932 |
| Tier 1 risk-based capital ratio | 16.9248% | 2,642 |
| Total risk-based capital ratio | 17.7166% | 2,779 |
| Memoranda: | ||
| Average total assets | $209,131,000 | 2,910 |
| Average earning assets | $201,189,250 | 2,813 |
| Average equity | $21,540,500 | 3,003 |
| Average total loans | $100,503,250 | 3,439 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2374% | 5,891 |
| Cost of funding earning assets | 0.3384% | 4,555 |
| Net interest margin | 2.8990% | 5,736 |
| Noninterest income to average assets | 0.5511% | 3,111 |
| Noninterest expense to average assets | 1.9905% | 5,855 |
| Loan and lease loss provision to assets | 0.0104% | 4,033 |
| Net operating income to assets | 1.2661% | 1,408 |
| Return on assets (ROA) | 1.2661% | 1,462 |
| Pretax return on assets | 1.3324% | 2,140 |
| Return on Equity (ROE) | 12.2800% | 1,353 |
| Retained earnings to average equity (ytd only) | -1.7726% | 5,964 |
| Net charge-offs to loans | -0.0297% | 5,681 |
| Credit loss provision to net charge-offs | -73.3333% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7159% | 5,333 |
| Assets per employee ($millions) | 4.8748% | 2,373 |
| Cash dividends to net income (ytd only)* | 114.4353% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 5,535 |
| Loan loss allowance to noncurrent loans | 1,535.4839% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,119 |
| Noncurrent loans to loans | 0.0623% | 5,839 |
| Net loans and leases to total assets | 46.9979% | 5,267 |
| Net loans and leases to deposits | 52.5657% | 5,458 |
| Net loans and leases to core deposits | 53.3058% | 5,596 |
| Total domestic deposits to total assets | 89.4079% | 1,150 |
| Equity capital to assets | 10.3474% | 3,626 |
| Core capital (leverage) ratio | 9.8774% | 3,776 |
| Tier 1 risk-based capital ratio | 17.5582% | 2,397 |
| Total risk-based capital ratio | 18.3503% | 2,540 |
| Memoranda: | ||
| Average total assets | $211,202,670 | 2,902 |
| Average earning assets | $202,693,000 | 2,809 |
| Average equity | $21,775,330 | 2,976 |
| Average total loans | $100,876,670 | 3,441 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2153% | 5,982 |
| Cost of funding earning assets | 0.3406% | 4,642 |
| Net interest margin | 2.8747% | 5,802 |
| Noninterest income to average assets | 0.4642% | 3,678 |
| Noninterest expense to average assets | 2.1000% | 5,681 |
| Loan and lease loss provision to assets | 0.0019% | 3,803 |
| Net operating income to assets | 1.0623% | 1,959 |
| Return on assets (ROA) | 1.0623% | 2,032 |
| Pretax return on assets | 1.1170% | 2,823 |
| Return on Equity (ROE) | 10.3218% | 1,929 |
| Retained earnings to average equity (ytd only) | -5.9034% | 6,174 |
| Net charge-offs to loans | -0.0591% | 5,880 |
| Credit loss provision to net charge-offs | -6.6667% | 4,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2403% | 4,651 |
| Assets per employee ($millions) | 5.0457% | 2,199 |
| Cash dividends to net income (ytd only)* | 157.1936% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 5,708 |
| Loan loss allowance to noncurrent loans | 1,962.5000% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 6,234 |
| Noncurrent loans to loans | 0.0483% | 6,004 |
| Net loans and leases to total assets | 45.3370% | 5,398 |
| Net loans and leases to deposits | 50.4635% | 5,560 |
| Net loans and leases to core deposits | 51.2432% | 5,675 |
| Total domestic deposits to total assets | 89.8412% | 1,159 |
| Equity capital to assets | 9.9606% | 3,889 |
| Core capital (leverage) ratio | 9.6615% | 4,046 |
| Tier 1 risk-based capital ratio | 17.3774% | 2,524 |
| Total risk-based capital ratio | 18.1579% | 2,688 |
| Memoranda: | ||
| Average total assets | $211,995,000 | 2,898 |
| Average earning assets | $203,154,000 | 2,821 |
| Average equity | $21,818,000 | 2,963 |
| Average total loans | $101,581,000 | 3,436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 6,069 |
| Cost of funding earning assets | 0.3710% | 4,939 |
| Net interest margin | 2.8803% | 5,821 |
| Noninterest income to average assets | 0.8928% | 1,703 |
| Noninterest expense to average assets | 1.9995% | 6,027 |
| Loan and lease loss provision to assets | 0.0005% | 5,084 |
| Net operating income to assets | 1.5826% | 716 |
| Return on assets (ROA) | 1.5852% | 732 |
| Pretax return on assets | 1.6641% | 1,026 |
| Return on Equity (ROE) | 15.2247% | 720 |
| Retained earnings to average equity (ytd only) | -3.4694% | 6,290 |
| Net charge-offs to loans | -0.0111% | 6,033 |
| Credit loss provision to net charge-offs | -9.0909% | 5,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6130% | 6,082 |
| Assets per employee ($millions) | 5.0494% | 2,130 |
| Cash dividends to net income (ytd only)* | 122.7878% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 5,955 |
| Loan loss allowance to noncurrent loans | 1,653.5714% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 6,312 |
| Noncurrent loans to loans | 0.0539% | 6,069 |
| Net loans and leases to total assets | 49.7179% | 5,117 |
| Net loans and leases to deposits | 55.7506% | 5,326 |
| Net loans and leases to core deposits | 56.6562% | 5,485 |
| Total domestic deposits to total assets | 89.1791% | 1,501 |
| Equity capital to assets | 10.6388% | 2,989 |
| Core capital (leverage) ratio | 10.1670% | 3,339 |
| Tier 1 risk-based capital ratio | 17.0027% | 2,605 |
| Total risk-based capital ratio | 17.7420% | 2,821 |
| Memoranda: | ||
| Average total assets | $213,152,600 | 2,876 |
| Average earning assets | $204,871,200 | 2,779 |
| Average equity | $22,194,200 | 2,904 |
| Average total loans | $98,792,800 | 3,478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1996% | 6,194 |
| Cost of funding earning assets | 0.3719% | 5,080 |
| Net interest margin | 2.8277% | 5,965 |
| Noninterest income to average assets | 0.6329% | 2,974 |
| Noninterest expense to average assets | 2.0085% | 5,996 |
| Loan and lease loss provision to assets | 0.0006% | 4,934 |
| Net operating income to assets | 1.2806% | 1,395 |
| Return on assets (ROA) | 1.2930% | 1,436 |
| Pretax return on assets | 1.3613% | 2,069 |
| Return on Equity (ROE) | 12.4837% | 1,357 |
| Retained earnings to average equity (ytd only) | -7.5489% | 6,584 |
| Net charge-offs to loans | -0.0137% | 5,955 |
| Credit loss provision to net charge-offs | -10.0000% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8224% | 5,466 |
| Assets per employee ($millions) | 4.9063% | 2,294 |
| Cash dividends to net income (ytd only)* | 160.4709% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 5,991 |
| Loan loss allowance to noncurrent loans | 3,557.6923% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 6,461 |
| Noncurrent loans to loans | 0.0259% | 6,278 |
| Net loans and leases to total assets | 47.0532% | 5,442 |
| Net loans and leases to deposits | 52.4822% | 5,674 |
| Net loans and leases to core deposits | 53.4003% | 5,807 |
| Total domestic deposits to total assets | 89.6555% | 1,193 |
| Equity capital to assets | 10.0606% | 3,814 |
| Core capital (leverage) ratio | 9.7978% | 3,960 |
| Tier 1 risk-based capital ratio | 16.8685% | 2,765 |
| Total risk-based capital ratio | 17.6185% | 2,975 |
| Memoranda: | ||
| Average total assets | $214,684,250 | 2,890 |
| Average earning assets | $206,853,000 | 2,774 |
| Average equity | $22,236,500 | 2,933 |
| Average total loans | $97,527,250 | 3,537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1685% | 6,270 |
| Cost of funding earning assets | 0.3729% | 5,204 |
| Net interest margin | 2.7957% | 6,006 |
| Noninterest income to average assets | 0.6475% | 2,926 |
| Noninterest expense to average assets | 1.9878% | 6,073 |
| Loan and lease loss provision to assets | 0.0009% | 4,776 |
| Net operating income to assets | 1.2863% | 1,358 |
| Return on assets (ROA) | 1.2995% | 1,412 |
| Pretax return on assets | 1.3672% | 2,051 |
| Return on Equity (ROE) | 12.4304% | 1,371 |
| Retained earnings to average equity (ytd only) | -10.2597% | 6,673 |
| Net charge-offs to loans | -0.0021% | 5,534 |
| Credit loss provision to net charge-offs | -100.0000% | 5,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4789% | 5,544 |
| Assets per employee ($millions) | 4.7556% | 2,442 |
| Cash dividends to net income (ytd only)* | 182.5374% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 5,991 |
| Loan loss allowance to noncurrent loans | 2,544.4444% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,494 |
| Noncurrent loans to loans | 0.0373% | 6,288 |
| Net loans and leases to total assets | 44.6379% | 5,682 |
| Net loans and leases to deposits | 49.8359% | 5,852 |
| Net loans and leases to core deposits | 50.6928% | 5,982 |
| Total domestic deposits to total assets | 89.5696% | 1,279 |
| Equity capital to assets | 10.1757% | 3,694 |
| Core capital (leverage) ratio | 9.6376% | 4,025 |
| Tier 1 risk-based capital ratio | 17.4620% | 2,526 |
| Total risk-based capital ratio | 18.2271% | 2,693 |
| Memoranda: | ||
| Average total assets | $215,921,670 | 2,888 |
| Average earning assets | $208,109,000 | 2,768 |
| Average equity | $22,573,670 | 2,918 |
| Average total loans | $96,638,330 | 3,572 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1398% | 6,363 |
| Cost of funding earning assets | 0.3755% | 5,322 |
| Net interest margin | 2.7643% | 6,105 |
| Noninterest income to average assets | 0.5846% | 3,221 |
| Noninterest expense to average assets | 1.9808% | 6,139 |
| Loan and lease loss provision to assets | 0.0018% | 4,396 |
| Net operating income to assets | 1.2025% | 1,516 |
| Return on assets (ROA) | 1.2025% | 1,625 |
| Pretax return on assets | 1.2634% | 2,358 |
| Return on Equity (ROE) | 11.3527% | 1,603 |
| Retained earnings to average equity (ytd only) | -20.7378% | 6,837 |
| Net charge-offs to loans | 0.0041% | 4,084 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 686.0000% | 44 |
| Efficiency ratio | 61.0227% | 5,441 |
| Assets per employee ($millions) | 4.9184% | 2,323 |
| Cash dividends to net income (ytd only)* | 282.6687% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 6,052 |
| Loan loss allowance to noncurrent loans | 2,405.2632% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 6,566 |
| Noncurrent loans to loans | 0.0407% | 6,362 |
| Net loans and leases to total assets | 41.7756% | 5,860 |
| Net loans and leases to deposits | 46.5888% | 6,018 |
| Net loans and leases to core deposits | 47.3615% | 6,133 |
| Total domestic deposits to total assets | 89.6687% | 1,254 |
| Equity capital to assets | 10.0914% | 4,026 |
| Core capital (leverage) ratio | 9.4002% | 4,238 |
| Tier 1 risk-based capital ratio | 17.5027% | 2,559 |
| Total risk-based capital ratio | 18.2691% | 2,716 |
| Memoranda: | ||
| Average total assets | $216,882,500 | 2,913 |
| Average earning assets | $208,803,000 | 2,793 |
| Average equity | $22,972,500 | 2,930 |
| Average total loans | $96,737,000 | 3,599 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5787% | 6,252 |
| Cost of funding earning assets | 0.5121% | 5,133 |
| Net interest margin | 3.0666% | 5,893 |
| Noninterest income to average assets | 1.0460% | 1,420 |
| Noninterest expense to average assets | 1.9161% | 6,474 |
| Loan and lease loss provision to assets | 0.0134% | 5,744 |
| Net operating income to assets | 1.9582% | 387 |
| Return on assets (ROA) | 1.9591% | 423 |
| Pretax return on assets | 2.0533% | 545 |
| Return on Equity (ROE) | 17.7973% | 458 |
| Retained earnings to average equity (ytd only) | 7.3794% | 1,380 |
| Net charge-offs to loans | 0.0227% | 5,586 |
| Credit loss provision to net charge-offs | 127.2727% | 2,216 |
| Earnings coverage of net charge-offs (x) | 196.5000% | 214 |
| Efficiency ratio | 48.1219% | 6,704 |
| Assets per employee ($millions) | 4.6182% | 2,751 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 6,240 |
| Loan loss allowance to noncurrent loans | 1,902.0833% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 6,606 |
| Noncurrent loans to loans | 0.0480% | 6,384 |
| Net loans and leases to total assets | 46.6896% | 5,551 |
| Net loans and leases to deposits | 52.6647% | 5,763 |
| Net loans and leases to core deposits | 53.4358% | 5,919 |
| Total domestic deposits to total assets | 88.6545% | 1,804 |
| Equity capital to assets | 11.1139% | 2,819 |
| Core capital (leverage) ratio | 10.4500% | 2,828 |
| Tier 1 risk-based capital ratio | 17.8693% | 2,307 |
| Total risk-based capital ratio | 18.6087% | 2,475 |
| Memoranda: | ||
| Average total assets | $209,277,600 | 2,932 |
| Average earning assets | $200,351,600 | 2,842 |
| Average equity | $23,037,200 | 2,846 |
| Average total loans | $96,856,600 | 3,597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 6,347 |
| Cost of funding earning assets | 0.5434% | 5,142 |
| Net interest margin | 3.0879% | 5,968 |
| Noninterest income to average assets | 0.7143% | 2,641 |
| Noninterest expense to average assets | 1.9646% | 6,416 |
| Loan and lease loss provision to assets | 0.0134% | 5,647 |
| Net operating income to assets | 1.6064% | 826 |
| Return on assets (ROA) | 1.6064% | 926 |
| Pretax return on assets | 1.6909% | 1,292 |
| Return on Equity (ROE) | 14.6294% | 972 |
| Retained earnings to average equity (ytd only) | 0.6523% | 5,895 |
| Net charge-offs to loans | 0.0194% | 5,397 |
| Credit loss provision to net charge-offs | 150.0000% | 1,877 |
| Earnings coverage of net charge-offs (x) | 190.3182% | 236 |
| Efficiency ratio | 53.5472% | 6,299 |
| Assets per employee ($millions) | 4.7378% | 2,550 |
| Cash dividends to net income (ytd only)* | 95.5414% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 6,265 |
| Loan loss allowance to noncurrent loans | 854.2056% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 6,625 |
| Noncurrent loans to loans | 0.1104% | 6,339 |
| Net loans and leases to total assets | 46.0576% | 5,758 |
| Net loans and leases to deposits | 51.8012% | 5,988 |
| Net loans and leases to core deposits | 52.7179% | 6,135 |
| Total domestic deposits to total assets | 88.9123% | 1,481 |
| Equity capital to assets | 10.7308% | 3,572 |
| Core capital (leverage) ratio | 9.4794% | 4,299 |
| Tier 1 risk-based capital ratio | 17.3658% | 2,591 |
| Total risk-based capital ratio | 18.1409% | 2,750 |
| Memoranda: | ||
| Average total assets | $208,487,750 | 2,974 |
| Average earning assets | $199,485,250 | 2,872 |
| Average equity | $22,894,000 | 2,885 |
| Average total loans | $96,046,000 | 3,654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 6,380 |
| Cost of funding earning assets | 0.5705% | 5,145 |
| Net interest margin | 3.1028% | 6,001 |
| Noninterest income to average assets | 0.7051% | 2,637 |
| Noninterest expense to average assets | 1.9511% | 6,516 |
| Loan and lease loss provision to assets | 0.0182% | 5,439 |
| Net operating income to assets | 1.6144% | 815 |
| Return on assets (ROA) | 1.6144% | 906 |
| Pretax return on assets | 1.6988% | 1,256 |
| Return on Equity (ROE) | 14.5912% | 1,000 |
| Retained earnings to average equity (ytd only) | 14.5912% | 301 |
| Net charge-offs to loans | 0.0272% | 4,999 |
| Credit loss provision to net charge-offs | 146.1538% | 1,895 |
| Earnings coverage of net charge-offs (x) | 137.6923% | 323 |
| Efficiency ratio | 53.1904% | 6,398 |
| Assets per employee ($millions) | 4.5612% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,333 |
| Loan loss allowance to noncurrent loans | 3,381.4815% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 6,743 |
| Noncurrent loans to loans | 0.0280% | 6,618 |
| Net loans and leases to total assets | 45.4565% | 5,869 |
| Net loans and leases to deposits | 51.5115% | 6,056 |
| Net loans and leases to core deposits | 52.5671% | 6,194 |
| Total domestic deposits to total assets | 88.2453% | 1,992 |
| Equity capital to assets | 11.3806% | 2,709 |
| Core capital (leverage) ratio | 10.2044% | 3,139 |
| Tier 1 risk-based capital ratio | 18.6918% | 2,075 |
| Total risk-based capital ratio | 19.4658% | 2,194 |
| Memoranda: | ||
| Average total assets | $208,495,330 | 2,988 |
| Average earning assets | $199,113,330 | 2,879 |
| Average equity | $23,068,670 | 2,846 |
| Average total loans | $95,752,000 | 3,673 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 6,393 |
| Cost of funding earning assets | 0.5883% | 5,226 |
| Net interest margin | 3.1395% | 5,935 |
| Noninterest income to average assets | 0.7159% | 2,571 |
| Noninterest expense to average assets | 2.0304% | 6,410 |
| Loan and lease loss provision to assets | 0.0038% | 5,223 |
| Net operating income to assets | 1.5878% | 879 |
| Return on assets (ROA) | 1.5878% | 987 |
| Pretax return on assets | 1.6705% | 1,378 |
| Return on Equity (ROE) | 14.5605% | 1,067 |
| Retained earnings to average equity (ytd only) | 14.5605% | 502 |
| Net charge-offs to loans | -0.0042% | 5,778 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8052% | 6,254 |
| Assets per employee ($millions) | 4.6128% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,301 |
| Loan loss allowance to noncurrent loans | 455.0000% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 6,652 |
| Noncurrent loans to loans | 0.2166% | 6,253 |
| Net loans and leases to total assets | 42.1636% | 6,176 |
| Net loans and leases to deposits | 47.3326% | 6,332 |
| Net loans and leases to core deposits | 48.4800% | 6,428 |
| Total domestic deposits to total assets | 89.0794% | 1,654 |
| Equity capital to assets | 10.5834% | 3,395 |
| Core capital (leverage) ratio | 9.9266% | 3,457 |
| Tier 1 risk-based capital ratio | 18.3759% | 2,178 |
| Total risk-based capital ratio | 19.1650% | 2,298 |
| Memoranda: | ||
| Average total assets | $207,836,000 | 3,017 |
| Average earning assets | $197,865,500 | 2,920 |
| Average equity | $22,664,000 | 2,887 |
| Average total loans | $95,484,500 | 3,700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 6,103 |
| Cost of funding earning assets | 0.7276% | 5,355 |
| Net interest margin | 3.4564% | 5,300 |
| Noninterest income to average assets | 0.7902% | 2,121 |
| Noninterest expense to average assets | 2.0625% | 6,560 |
| Loan and lease loss provision to assets | 0.0357% | 6,121 |
| Net operating income to assets | 1.9007% | 377 |
| Return on assets (ROA) | 1.8998% | 410 |
| Pretax return on assets | 1.9945% | 538 |
| Return on Equity (ROE) | 16.2441% | 568 |
| Retained earnings to average equity (ytd only) | -1.1451% | 6,030 |
| Net charge-offs to loans | 0.0495% | 5,817 |
| Credit loss provision to net charge-offs | 144.0000% | 2,007 |
| Earnings coverage of net charge-offs (x) | 81.9000% | 359 |
| Efficiency ratio | 50.3817% | 6,807 |
| Assets per employee ($millions) | 4.3233% | 3,210 |
| Cash dividends to net income (ytd only)* | 107.0496% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 6,488 |
| Loan loss allowance to noncurrent loans | 346.1832% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 6,595 |
| Noncurrent loans to loans | 0.2656% | 6,189 |
| Net loans and leases to total assets | 49.1479% | 5,704 |
| Net loans and leases to deposits | 55.5896% | 5,923 |
| Net loans and leases to core deposits | 56.7391% | 6,100 |
| Total domestic deposits to total assets | 88.4121% | 1,902 |
| Equity capital to assets | 11.2550% | 2,736 |
| Core capital (leverage) ratio | 9.8354% | 3,535 |
| Tier 1 risk-based capital ratio | 17.2773% | 2,478 |
| Total risk-based capital ratio | 18.0468% | 2,659 |
| Memoranda: | ||
| Average total assets | $201,604,400 | 3,042 |
| Average earning assets | $192,688,200 | 2,936 |
| Average equity | $23,577,800 | 2,720 |
| Average total loans | $100,918,600 | 3,595 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1964% | 6,211 |
| Cost of funding earning assets | 0.7541% | 5,443 |
| Net interest margin | 3.4423% | 5,419 |
| Noninterest income to average assets | 0.5332% | 3,630 |
| Noninterest expense to average assets | 1.9576% | 6,771 |
| Loan and lease loss provision to assets | 0.0310% | 6,053 |
| Net operating income to assets | 1.7498% | 565 |
| Return on assets (ROA) | 1.7480% | 623 |
| Pretax return on assets | 1.8402% | 883 |
| Return on Equity (ROE) | 14.8092% | 865 |
| Retained earnings to average equity (ytd only) | 14.8092% | 243 |
| Net charge-offs to loans | 0.0368% | 5,632 |
| Credit loss provision to net charge-offs | 167.8571% | 1,803 |
| Earnings coverage of net charge-offs (x) | 101.5066% | 359 |
| Efficiency ratio | 51.1012% | 6,760 |
| Assets per employee ($millions) | 4.5278% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,623 |
| Loan loss allowance to noncurrent loans | 405.3812% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 6,791 |
| Noncurrent loans to loans | 0.2199% | 6,437 |
| Net loans and leases to total assets | 48.2535% | 5,930 |
| Net loans and leases to deposits | 55.2896% | 6,100 |
| Net loans and leases to core deposits | 56.6979% | 6,255 |
| Total domestic deposits to total assets | 87.2742% | 2,479 |
| Equity capital to assets | 12.2952% | 2,026 |
| Core capital (leverage) ratio | 11.1932% | 2,237 |
| Tier 1 risk-based capital ratio | 19.0484% | 1,917 |
| Total risk-based capital ratio | 19.7878% | 2,039 |
| Memoranda: | ||
| Average total assets | $202,287,750 | 3,049 |
| Average earning assets | $193,782,500 | 2,939 |
| Average equity | $23,876,500 | 2,687 |
| Average total loans | $101,486,250 | 3,606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 6,147 |
| Cost of funding earning assets | 0.7849% | 5,479 |
| Net interest margin | 3.4698% | 5,293 |
| Noninterest income to average assets | 0.5192% | 3,711 |
| Noninterest expense to average assets | 2.0051% | 6,780 |
| Loan and lease loss provision to assets | 0.0399% | 5,811 |
| Net operating income to assets | 1.7084% | 588 |
| Return on assets (ROA) | 1.7055% | 641 |
| Pretax return on assets | 1.7954% | 889 |
| Return on Equity (ROE) | 14.6614% | 864 |
| Retained earnings to average equity (ytd only) | 14.6614% | 270 |
| Net charge-offs to loans | 0.0512% | 5,140 |
| Credit loss provision to net charge-offs | 153.8462% | 1,980 |
| Earnings coverage of net charge-offs (x) | 70.8077% | 475 |
| Efficiency ratio | 52.1694% | 6,776 |
| Assets per employee ($millions) | 4.1725% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 6,633 |
| Loan loss allowance to noncurrent loans | 432.2115% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 6,840 |
| Noncurrent loans to loans | 0.2103% | 6,487 |
| Net loans and leases to total assets | 47.9448% | 6,058 |
| Net loans and leases to deposits | 54.7173% | 6,251 |
| Net loans and leases to core deposits | 56.4368% | 6,384 |
| Total domestic deposits to total assets | 87.6226% | 2,390 |
| Equity capital to assets | 11.9528% | 2,121 |
| Core capital (leverage) ratio | 10.6925% | 2,527 |
| Tier 1 risk-based capital ratio | 18.8586% | 1,889 |
| Total risk-based capital ratio | 19.6173% | 2,006 |
| Memoranda: | ||
| Average total assets | $200,291,330 | 3,099 |
| Average earning assets | $191,883,670 | 2,974 |
| Average equity | $23,299,330 | 2,728 |
| Average total loans | $101,513,330 | 3,642 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 5,913 |
| Cost of funding earning assets | 0.8168% | 5,486 |
| Net interest margin | 3.5142% | 4,944 |
| Noninterest income to average assets | 0.4480% | 4,307 |
| Noninterest expense to average assets | 2.1613% | 6,511 |
| Loan and lease loss provision to assets | 0.0262% | 5,636 |
| Net operating income to assets | 1.5395% | 799 |
| Return on assets (ROA) | 1.5337% | 858 |
| Pretax return on assets | 1.6144% | 1,153 |
| Return on Equity (ROE) | 13.3744% | 1,116 |
| Retained earnings to average equity (ytd only) | 13.3744% | 537 |
| Net charge-offs to loans | 0.0195% | 4,806 |
| Credit loss provision to net charge-offs | 260.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 163.2000% | 192 |
| Efficiency ratio | 56.7568% | 6,411 |
| Assets per employee ($millions) | 4.3944% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 6,694 |
| Loan loss allowance to noncurrent loans | 313.3333% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 6,811 |
| Noncurrent loans to loans | 0.2879% | 6,413 |
| Net loans and leases to total assets | 48.5228% | 6,016 |
| Net loans and leases to deposits | 55.0739% | 6,209 |
| Net loans and leases to core deposits | 56.7650% | 6,354 |
| Total domestic deposits to total assets | 88.1050% | 2,311 |
| Equity capital to assets | 11.4834% | 2,291 |
| Core capital (leverage) ratio | 10.3209% | 2,782 |
| Tier 1 risk-based capital ratio | 17.9665% | 2,121 |
| Total risk-based capital ratio | 18.7164% | 2,274 |
| Memoranda: | ||
| Average total assets | $198,210,000 | 3,140 |
| Average earning assets | $189,517,000 | 3,018 |
| Average equity | $22,730,000 | 2,776 |
| Average total loans | $102,808,000 | 3,646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6993% | 5,806 |
| Cost of funding earning assets | 1.0614% | 5,354 |
| Net interest margin | 3.6379% | 4,629 |
| Noninterest income to average assets | 0.8947% | 1,862 |
| Noninterest expense to average assets | 2.1712% | 6,694 |
| Loan and lease loss provision to assets | 0.0113% | 6,977 |
| Net operating income to assets | 2.0838% | 241 |
| Return on assets (ROA) | 2.0862% | 254 |
| Pretax return on assets | 2.1881% | 330 |
| Return on Equity (ROE) | 18.4585% | 349 |
| Retained earnings to average equity (ytd only) | 4.8727% | 2,496 |
| Net charge-offs to loans | 0.0070% | 6,771 |
| Credit loss provision to net charge-offs | 314.2857% | 835 |
| Earnings coverage of net charge-offs (x) | 613.1429% | 34 |
| Efficiency ratio | 49.7071% | 7,147 |
| Assets per employee ($millions) | 4.2234% | 3,337 |
| Cash dividends to net income (ytd only)* | 73.6016% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 6,906 |
| Loan loss allowance to noncurrent loans | 529.9401% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 7,021 |
| Noncurrent loans to loans | 0.1566% | 6,754 |
| Net loans and leases to total assets | 54.4339% | 5,581 |
| Net loans and leases to deposits | 61.7479% | 5,868 |
| Net loans and leases to core deposits | 63.3830% | 6,111 |
| Total domestic deposits to total assets | 88.1550% | 2,146 |
| Equity capital to assets | 11.4512% | 2,304 |
| Core capital (leverage) ratio | 10.2925% | 2,776 |
| Tier 1 risk-based capital ratio | 16.4043% | 2,568 |
| Total risk-based capital ratio | 17.1078% | 2,774 |
| Memoranda: | ||
| Average total assets | $195,379,200 | 3,157 |
| Average earning assets | $186,538,000 | 3,047 |
| Average equity | $22,082,000 | 2,865 |
| Average total loans | $99,463,400 | 3,811 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6982% | 6,025 |
| Cost of funding earning assets | 1.0866% | 5,506 |
| Net interest margin | 3.6116% | 4,820 |
| Noninterest income to average assets | 0.6154% | 3,352 |
| Noninterest expense to average assets | 2.1193% | 6,808 |
| Loan and lease loss provision to assets | 0.0075% | 6,946 |
| Net operating income to assets | 1.8412% | 458 |
| Return on assets (ROA) | 1.8645% | 486 |
| Pretax return on assets | 1.9626% | 677 |
| Return on Equity (ROE) | 16.5508% | 645 |
| Retained earnings to average equity (ytd only) | -1.5970% | 6,115 |
| Net charge-offs to loans | 0.0096% | 6,534 |
| Credit loss provision to net charge-offs | 157.1429% | 2,431 |
| Earnings coverage of net charge-offs (x) | 407.9925% | 74 |
| Efficiency ratio | 52.1375% | 6,960 |
| Assets per employee ($millions) | 3.9825% | 3,877 |
| Cash dividends to net income (ytd only)* | 109.6491% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 6,870 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 7,258 |
| Noncurrent loans to loans | 0.0747% | 7,057 |
| Net loans and leases to total assets | 50.6820% | 6,249 |
| Net loans and leases to deposits | 57.2589% | 6,526 |
| Net loans and leases to core deposits | 58.9028% | 6,673 |
| Total domestic deposits to total assets | 88.5137% | 1,664 |
| Equity capital to assets | 10.9349% | 3,020 |
| Core capital (leverage) ratio | 9.6124% | 3,750 |
| Tier 1 risk-based capital ratio | 16.0531% | 2,734 |
| Total risk-based capital ratio | 16.7802% | 2,949 |
| Memoranda: | ||
| Average total assets | $195,655,000 | 3,197 |
| Average earning assets | $186,876,000 | 3,091 |
| Average equity | $22,040,750 | 2,913 |
| Average total loans | $97,670,000 | 3,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 6,161 |
| Cost of funding earning assets | 1.1076% | 5,629 |
| Net interest margin | 3.5870% | 4,874 |
| Noninterest income to average assets | 0.5378% | 3,812 |
| Noninterest expense to average assets | 2.0864% | 6,947 |
| Loan and lease loss provision to assets | 0.0113% | 6,792 |
| Net operating income to assets | 1.7674% | 513 |
| Return on assets (ROA) | 1.8026% | 525 |
| Pretax return on assets | 1.8972% | 739 |
| Return on Equity (ROE) | 15.8430% | 721 |
| Retained earnings to average equity (ytd only) | 2.2865% | 4,701 |
| Net charge-offs to loans | 0.0083% | 6,243 |
| Credit loss provision to net charge-offs | 275.0000% | 1,354 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 72 |
| Efficiency ratio | 52.7150% | 7,008 |
| Assets per employee ($millions) | 4.2147% | 3,354 |
| Cash dividends to net income (ytd only)* | 85.5676% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,796 |
| Loan loss allowance to noncurrent loans | 630.9353% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 7,216 |
| Noncurrent loans to loans | 0.1408% | 6,977 |
| Net loans and leases to total assets | 49.3834% | 6,503 |
| Net loans and leases to deposits | 55.8069% | 6,742 |
| Net loans and leases to core deposits | 57.4155% | 6,862 |
| Total domestic deposits to total assets | 88.4896% | 1,736 |
| Equity capital to assets | 10.9929% | 2,867 |
| Core capital (leverage) ratio | 10.0658% | 3,098 |
| Tier 1 risk-based capital ratio | 17.0838% | 2,247 |
| Total risk-based capital ratio | 17.8400% | 2,395 |
| Memoranda: | ||
| Average total assets | $194,498,670 | 3,242 |
| Average earning assets | $185,449,330 | 3,128 |
| Average equity | $22,129,670 | 2,909 |
| Average total loans | $96,295,330 | 4,008 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6853% | 6,297 |
| Cost of funding earning assets | 1.1315% | 5,752 |
| Net interest margin | 3.5539% | 4,929 |
| Noninterest income to average assets | 0.5231% | 3,862 |
| Noninterest expense to average assets | 2.2127% | 6,659 |
| Loan and lease loss provision to assets | 0.0145% | 6,475 |
| Net operating income to assets | 1.5901% | 771 |
| Return on assets (ROA) | 1.5921% | 817 |
| Pretax return on assets | 1.6751% | 1,104 |
| Return on Equity (ROE) | 13.7538% | 1,100 |
| Retained earnings to average equity (ytd only) | 13.7538% | 537 |
| Net charge-offs to loans | 0.0126% | 5,408 |
| Credit loss provision to net charge-offs | 233.3333% | 1,636 |
| Earnings coverage of net charge-offs (x) | 271.0000% | 124 |
| Efficiency ratio | 56.7323% | 6,664 |
| Assets per employee ($millions) | 4.0886% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 6,807 |
| Loan loss allowance to noncurrent loans | 901.0309% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 7,365 |
| Noncurrent loans to loans | 0.1013% | 7,140 |
| Net loans and leases to total assets | 48.3422% | 6,640 |
| Net loans and leases to deposits | 55.0196% | 6,844 |
| Net loans and leases to core deposits | 56.2300% | 6,982 |
| Total domestic deposits to total assets | 87.8636% | 2,135 |
| Equity capital to assets | 11.5387% | 2,332 |
| Core capital (leverage) ratio | 10.4358% | 2,686 |
| Tier 1 risk-based capital ratio | 18.0312% | 1,938 |
| Total risk-based capital ratio | 18.8064% | 2,034 |
| Memoranda: | ||
| Average total assets | $192,702,500 | 3,327 |
| Average earning assets | $183,124,000 | 3,222 |
| Average equity | $22,306,500 | 2,906 |
| Average total loans | $95,092,500 | 4,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9698% | 6,527 |
| Cost of funding earning assets | 1.3704% | 6,054 |
| Net interest margin | 3.5994% | 4,552 |
| Noninterest income to average assets | 0.9984% | 1,579 |
| Noninterest expense to average assets | 2.1953% | 7,004 |
| Loan and lease loss provision to assets | 0.0483% | 7,078 |
| Net operating income to assets | 2.0748% | 194 |
| Return on assets (ROA) | 2.0748% | 211 |
| Pretax return on assets | 2.1762% | 289 |
| Return on Equity (ROE) | 17.1221% | 448 |
| Retained earnings to average equity (ytd only) | -3.0370% | 5,708 |
| Net charge-offs to loans | 0.0651% | 6,458 |
| Credit loss provision to net charge-offs | 146.7742% | 3,218 |
| Earnings coverage of net charge-offs (x) | 67.5645% | 400 |
| Efficiency ratio | 49.6696% | 7,556 |
| Assets per employee ($millions) | 3.9407% | 3,932 |
| Cash dividends to net income (ytd only)* | 117.7374% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 6,730 |
| Loan loss allowance to noncurrent loans | 1,426.2295% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 7,442 |
| Noncurrent loans to loans | 0.0646% | 7,260 |
| Net loans and leases to total assets | 49.4671% | 6,688 |
| Net loans and leases to deposits | 56.2873% | 6,901 |
| Net loans and leases to core deposits | 65.1502% | 7,026 |
| Total domestic deposits to total assets | 87.8833% | 2,021 |
| Equity capital to assets | 11.6139% | 2,238 |
| Core capital (leverage) ratio | 10.1781% | 2,916 |
| Tier 1 risk-based capital ratio | 17.4932% | 2,026 |
| Total risk-based capital ratio | 18.2713% | 2,108 |
| Memoranda: | ||
| Average total assets | $188,309,200 | 3,305 |
| Average earning assets | $179,001,000 | 3,225 |
| Average equity | $22,818,400 | 2,850 |
| Average total loans | $95,226,400 | 4,083 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 6,654 |
| Cost of funding earning assets | 1.4107% | 6,183 |
| Net interest margin | 3.5709% | 4,589 |
| Noninterest income to average assets | 0.7542% | 2,685 |
| Noninterest expense to average assets | 2.1719% | 7,045 |
| Loan and lease loss provision to assets | 0.0539% | 6,839 |
| Net operating income to assets | 1.8359% | 409 |
| Return on assets (ROA) | 1.8359% | 435 |
| Pretax return on assets | 1.9323% | 615 |
| Return on Equity (ROE) | 14.9939% | 771 |
| Retained earnings to average equity (ytd only) | 9.2048% | 792 |
| Net charge-offs to loans | 0.0671% | 6,025 |
| Credit loss provision to net charge-offs | 158.3333% | 3,003 |
| Earnings coverage of net charge-offs (x) | 58.3736% | 560 |
| Efficiency ratio | 52.2332% | 7,392 |
| Assets per employee ($millions) | 3.9261% | 3,881 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 6,639 |
| Loan loss allowance to noncurrent loans | 1,143.4211% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 7,479 |
| Noncurrent loans to loans | 0.0812% | 7,287 |
| Net loans and leases to total assets | 48.2152% | 6,930 |
| Net loans and leases to deposits | 55.6041% | 7,118 |
| Net loans and leases to core deposits | 64.2146% | 7,242 |
| Total domestic deposits to total assets | 86.7116% | 2,322 |
| Equity capital to assets | 12.6251% | 1,871 |
| Core capital (leverage) ratio | 11.2348% | 2,235 |
| Tier 1 risk-based capital ratio | 20.4561% | 1,466 |
| Total risk-based capital ratio | 21.2698% | 1,503 |
| Memoranda: | ||
| Average total assets | $188,098,500 | 3,332 |
| Average earning assets | $179,295,000 | 3,245 |
| Average equity | $23,031,000 | 2,849 |
| Average total loans | $95,423,500 | 4,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 6,676 |
| Cost of funding earning assets | 1.4696% | 6,258 |
| Net interest margin | 3.5596% | 4,536 |
| Noninterest income to average assets | 0.7800% | 2,520 |
| Noninterest expense to average assets | 2.0764% | 7,324 |
| Loan and lease loss provision to assets | 0.0686% | 6,517 |
| Net operating income to assets | 1.9199% | 357 |
| Return on assets (ROA) | 1.9199% | 387 |
| Pretax return on assets | 2.0217% | 532 |
| Return on Equity (ROE) | 15.8500% | 719 |
| Retained earnings to average equity (ytd only) | 7.0051% | 1,588 |
| Net charge-offs to loans | 0.0833% | 5,373 |
| Credit loss provision to net charge-offs | 160.0000% | 2,869 |
| Earnings coverage of net charge-offs (x) | 48.7750% | 694 |
| Efficiency ratio | 49.8329% | 7,683 |
| Assets per employee ($millions) | 3.8884% | 3,898 |
| Cash dividends to net income (ytd only)* | 55.8036% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 6,675 |
| Loan loss allowance to noncurrent loans | 1,880.4348% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,563 |
| Noncurrent loans to loans | 0.0491% | 7,416 |
| Net loans and leases to total assets | 49.7602% | 6,897 |
| Net loans and leases to deposits | 57.3555% | 7,068 |
| Net loans and leases to core deposits | 65.6618% | 7,230 |
| Total domestic deposits to total assets | 86.7576% | 2,373 |
| Equity capital to assets | 12.1810% | 2,107 |
| Core capital (leverage) ratio | 10.9584% | 2,440 |
| Tier 1 risk-based capital ratio | 19.8949% | 1,606 |
| Total risk-based capital ratio | 20.7126% | 1,642 |
| Memoranda: | ||
| Average total assets | $186,671,670 | 3,383 |
| Average earning assets | $177,603,000 | 3,291 |
| Average equity | $22,612,000 | 2,900 |
| Average total loans | $96,023,000 | 4,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 6,695 |
| Cost of funding earning assets | 1.5407% | 6,276 |
| Net interest margin | 3.5429% | 4,552 |
| Noninterest income to average assets | 0.8142% | 2,261 |
| Noninterest expense to average assets | 2.1812% | 6,918 |
| Loan and lease loss provision to assets | 0.1093% | 5,572 |
| Net operating income to assets | 1.7827% | 548 |
| Return on assets (ROA) | 1.7827% | 605 |
| Pretax return on assets | 1.8791% | 840 |
| Return on Equity (ROE) | 14.7580% | 1,025 |
| Retained earnings to average equity (ytd only) | 14.7580% | 443 |
| Net charge-offs to loans | 0.1688% | 3,615 |
| Credit loss provision to net charge-offs | 124.3902% | 3,193 |
| Earnings coverage of net charge-offs (x) | 22.6341% | 1,307 |
| Efficiency ratio | 52.3124% | 7,382 |
| Assets per employee ($millions) | 3.8897% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8959% | 6,772 |
| Loan loss allowance to noncurrent loans | 370.0000% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 7,226 |
| Noncurrent loans to loans | 0.2421% | 6,841 |
| Net loans and leases to total assets | 49.3922% | 6,910 |
| Net loans and leases to deposits | 56.5404% | 7,129 |
| Net loans and leases to core deposits | 63.9672% | 7,317 |
| Total domestic deposits to total assets | 87.3574% | 2,033 |
| Equity capital to assets | 12.0141% | 2,250 |
| Core capital (leverage) ratio | 11.0284% | 2,478 |
| Tier 1 risk-based capital ratio | 19.6810% | 1,682 |
| Total risk-based capital ratio | 20.4753% | 1,729 |
| Memoranda: | ||
| Average total assets | $186,686,000 | 3,405 |
| Average earning assets | $176,804,500 | 3,324 |
| Average equity | $22,550,500 | 2,917 |
| Average total loans | $97,165,000 | 4,112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5858% | 7,116 |
| Cost of funding earning assets | 2.1111% | 5,997 |
| Net interest margin | 3.4747% | 5,384 |
| Noninterest income to average assets | 1.0573% | 1,405 |
| Noninterest expense to average assets | 2.2430% | 6,854 |
| Loan and lease loss provision to assets | 0.3337% | 3,717 |
| Net operating income to assets | 1.6821% | 703 |
| Return on assets (ROA) | 1.6779% | 679 |
| Pretax return on assets | 1.7656% | 1,008 |
| Return on Equity (ROE) | 15.9878% | 775 |
| Retained earnings to average equity (ytd only) | 15.9878% | 69 |
| Net charge-offs to loans | 0.0627% | 5,875 |
| Credit loss provision to net charge-offs | 973.0159% | 460 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 653 |
| Efficiency ratio | 51.6032% | 7,532 |
| Assets per employee ($millions) | 3.5839% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 6,914 |
| Loan loss allowance to noncurrent loans | 1,401.6667% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,460 |
| Noncurrent loans to loans | 0.0604% | 7,265 |
| Net loans and leases to total assets | 53.8902% | 6,670 |
| Net loans and leases to deposits | 61.7935% | 6,961 |
| Net loans and leases to core deposits | 70.5507% | 7,159 |
| Total domestic deposits to total assets | 87.2102% | 1,832 |
| Equity capital to assets | 12.1475% | 2,193 |
| Core capital (leverage) ratio | 10.9063% | 2,664 |
| Tier 1 risk-based capital ratio | 18.1077% | 2,013 |
| Total risk-based capital ratio | 18.8596% | 2,085 |
| Memoranda: | ||
| Average total assets | $183,679,200 | 3,363 |
| Average earning assets | $173,887,600 | 3,268 |
| Average equity | $19,277,200 | 3,348 |
| Average total loans | $100,432,400 | 3,933 |