Home > The Citizens National Bank > Performance and Condition Ratios
The Citizens National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5683% | 4,370 |
| Cost of funding earning assets | 0.7204% | 3,896 |
| Net interest margin | 2.8479% | 3,572 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.6156% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7434% | 3,066 |
| Return on assets (ROA) | 0.7434% | 3,048 |
| Pretax return on assets | 0.9046% | 2,954 |
| Return on Equity (ROE) | 15.0600% | 1,278 |
| Retained earnings to average equity (ytd only) | 9.3012% | 1,185 |
| Net charge-offs to loans | -0.0246% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.2434% | 1,431 |
| Assets per employee ($millions) | 4.3485% | 4,024 |
| Cash dividends to net income (ytd only)* | 38.2409% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 307 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.8400% | 4,162 |
| Net loans and leases to deposits | 38.1993% | 4,238 |
| Net loans and leases to core deposits | 39.6431% | 4,294 |
| Total domestic deposits to total assets | 93.8400% | 118 |
| Equity capital to assets | 5.9891% | 4,239 |
| Core capital (leverage) ratio | 10.6485% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6583% | 443 |
| Memoranda: | ||
| Average total assets | $211,043,200 | 2,903 |
| Average earning assets | $199,337,800 | 2,876 |
| Average equity | $10,418,000 | 3,675 |
| Average total loans | $77,352,600 | 3,451 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,380.0000% | 37 |
| Cost of funding earning assets | 4.0000% | 43 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.8468% | 2,856 |
| Pretax return on assets | 1.0377% | 2,751 |
| Return on Equity (ROE) | 18.1100% | 938 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.6814% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 523 |
| Noncurrent loans to loans | -0.0253% | 4,640 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 4.0000% | 4,553 |
| Equity capital to assets | 522.0000% | 44 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $33,000 | 4,637 |
| Average earning assets | $17,465 | 4,577 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 1,641.0000% | 39 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,418.0000% | 38 |
| Cost of funding earning assets | 3.0000% | 81 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.8804% | 2,812 |
| Pretax return on assets | 1.0831% | 2,683 |
| Return on Equity (ROE) | 18.3100% | 916 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,660 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.6697% | 4,570 |
| Cash dividends to net income (ytd only)* | 2.6666% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 137 |
| Noncurrent loans to loans | 0.0249% | 3,578 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0112% | 4,520 |
| Total domestic deposits to total assets | 6.0000% | 4,573 |
| Equity capital to assets | 520.0000% | 44 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $23,000 | 4,664 |
| Average earning assets | $16,713 | 4,604 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4093% | 4,365 |
| Cost of funding earning assets | 0.3834% | 4,004 |
| Net interest margin | 3.0259% | 3,534 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.4589% | 2,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9372% | 2,728 |
| Return on assets (ROA) | 0.9372% | 2,684 |
| Pretax return on assets | 1.1561% | 2,546 |
| Return on Equity (ROE) | 19.6400% | 804 |
| Retained earnings to average equity (ytd only) | 19.6383% | 399 |
| Net charge-offs to loans | -0.0525% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.9836% | 1,977 |
| Assets per employee ($millions) | 4.4398% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1750% | 334 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 33.4300% | 4,283 |
| Net loans and leases to deposits | 35.3643% | 4,345 |
| Net loans and leases to core deposits | 36.0942% | 4,363 |
| Total domestic deposits to total assets | 94.5300% | 126 |
| Equity capital to assets | 5.3091% | 4,370 |
| Core capital (leverage) ratio | 9.7690% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2384% | 489 |
| Memoranda: | ||
| Average total assets | $215,543,500 | 2,937 |
| Average earning assets | $203,441,000 | 2,912 |
| Average equity | $10,286,000 | 3,751 |
| Average total loans | $76,134,000 | 3,513 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9717% | 4,166 |
| Cost of funding earning assets | 0.2464% | 3,352 |
| Net interest margin | 2.7253% | 4,020 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.5064% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7620% | 3,447 |
| Return on assets (ROA) | 0.7620% | 3,388 |
| Pretax return on assets | 0.9252% | 3,283 |
| Return on Equity (ROE) | 12.7300% | 1,897 |
| Retained earnings to average equity (ytd only) | 8.1333% | 1,781 |
| Net charge-offs to loans | -0.0389% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.9809% | 1,328 |
| Assets per employee ($millions) | 4.4486% | 4,071 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0610% | 389 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.7400% | 4,228 |
| Net loans and leases to deposits | 38.4017% | 4,284 |
| Net loans and leases to core deposits | 39.0407% | 4,300 |
| Total domestic deposits to total assets | 93.0700% | 390 |
| Equity capital to assets | 4.2251% | 4,494 |
| Core capital (leverage) ratio | 9.7905% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8800% | 556 |
| Memoranda: | ||
| Average total assets | $218,119,400 | 2,916 |
| Average earning assets | $207,828,800 | 2,877 |
| Average equity | $13,057,400 | 3,565 |
| Average total loans | $77,096,800 | 3,450 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8950% | 4,065 |
| Cost of funding earning assets | 0.2156% | 3,080 |
| Net interest margin | 2.6794% | 3,969 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.4603% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7571% | 3,398 |
| Return on assets (ROA) | 0.7571% | 3,343 |
| Pretax return on assets | 0.9200% | 3,259 |
| Return on Equity (ROE) | 11.8000% | 2,101 |
| Retained earnings to average equity (ytd only) | 8.9574% | 1,662 |
| Net charge-offs to loans | -0.0347% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7175% | 1,421 |
| Assets per employee ($millions) | 4.5054% | 4,053 |
| Cash dividends to net income (ytd only)* | 24.0964% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 478 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 35.5100% | 4,251 |
| Net loans and leases to deposits | 38.5789% | 4,290 |
| Net loans and leases to core deposits | 39.3119% | 4,300 |
| Total domestic deposits to total assets | 92.0500% | 862 |
| Equity capital to assets | 3.7973% | 4,500 |
| Core capital (leverage) ratio | 9.6109% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9924% | 567 |
| Memoranda: | ||
| Average total assets | $219,265,500 | 2,927 |
| Average earning assets | $209,644,000 | 2,883 |
| Average equity | $14,066,250 | 3,497 |
| Average total loans | $76,890,000 | 3,473 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7953% | 3,985 |
| Cost of funding earning assets | 0.1976% | 2,942 |
| Net interest margin | 2.5977% | 3,917 |
| Noninterest income to average assets | 0.7981% | 1,046 |
| Noninterest expense to average assets | 2.3925% | 2,249 |
| Loan and lease loss provision to assets | 0.0027% | 2,559 |
| Net operating income to assets | 0.7373% | 3,188 |
| Return on assets (ROA) | 0.7373% | 3,144 |
| Pretax return on assets | 0.8971% | 3,077 |
| Return on Equity (ROE) | 10.1388% | 2,287 |
| Retained earnings to average equity (ytd only) | 6.3929% | 2,211 |
| Net charge-offs to loans | -0.0497% | 4,237 |
| Credit loss provision to net charge-offs | -15.7895% | 2,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6696% | 1,669 |
| Assets per employee ($millions) | 4.5614% | 4,030 |
| Cash dividends to net income (ytd only)* | 36.9458% | 1,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1177% | 433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 33.6074% | 4,349 |
| Net loans and leases to deposits | 35.5091% | 4,406 |
| Net loans and leases to core deposits | 36.1559% | 4,429 |
| Total domestic deposits to total assets | 94.6444% | 186 |
| Equity capital to assets | 5.0788% | 4,457 |
| Core capital (leverage) ratio | 9.3469% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1424% | 522 |
| Memoranda: | ||
| Average total assets | $220,267,333 | 2,943 |
| Average earning assets | $211,498,333 | 2,908 |
| Average equity | $16,017,667 | 3,406 |
| Average total loans | $76,389,667 | 3,511 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6860% | 3,971 |
| Cost of funding earning assets | 0.2010% | 2,789 |
| Net interest margin | 2.4850% | 3,931 |
| Noninterest income to average assets | 0.7749% | 1,101 |
| Noninterest expense to average assets | 2.3954% | 2,185 |
| Loan and lease loss provision to assets | 0.0036% | 2,238 |
| Net operating income to assets | 0.6446% | 3,249 |
| Return on assets (ROA) | 0.6446% | 3,229 |
| Pretax return on assets | 0.7713% | 3,198 |
| Return on Equity (ROE) | 7.7113% | 2,800 |
| Retained earnings to average equity (ytd only) | 7.7113% | 1,670 |
| Net charge-offs to loans | -0.0208% | 3,935 |
| Credit loss provision to net charge-offs | -50.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5568% | 1,580 |
| Assets per employee ($millions) | 4.7049% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1127% | 507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.3122% | 4,366 |
| Net loans and leases to deposits | 35.0337% | 4,419 |
| Net loans and leases to core deposits | 35.7114% | 4,434 |
| Total domestic deposits to total assets | 92.2320% | 497 |
| Equity capital to assets | 6.8820% | 4,272 |
| Core capital (leverage) ratio | 9.3679% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2033% | 540 |
| Memoranda: | ||
| Average total assets | $220,926,500 | 2,956 |
| Average earning assets | $212,959,000 | 2,907 |
| Average equity | $18,466,500 | 3,285 |
| Average total loans | $76,997,000 | 3,508 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1428% | 3,602 |
| Cost of funding earning assets | 0.2738% | 2,668 |
| Net interest margin | 2.8690% | 3,515 |
| Noninterest income to average assets | 1.0387% | 931 |
| Noninterest expense to average assets | 2.5527% | 2,016 |
| Loan and lease loss provision to assets | 0.0056% | 2,964 |
| Net operating income to assets | 1.0149% | 2,615 |
| Return on assets (ROA) | 1.0887% | 2,409 |
| Pretax return on assets | 1.3496% | 2,202 |
| Return on Equity (ROE) | 10.7428% | 2,259 |
| Retained earnings to average equity (ytd only) | 7.7484% | 1,641 |
| Net charge-offs to loans | 0.0342% | 1,550 |
| Credit loss provision to net charge-offs | 44.4444% | 2,171 |
| Earnings coverage of net charge-offs (x) | 100.2963% | 883 |
| Efficiency ratio | 66.8787% | 2,139 |
| Assets per employee ($millions) | 4.4085% | 4,188 |
| Cash dividends to net income (ytd only)* | 27.8731% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9762% | 626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 36.0510% | 4,285 |
| Net loans and leases to deposits | 40.3377% | 4,328 |
| Net loans and leases to core deposits | 41.6804% | 4,349 |
| Total domestic deposits to total assets | 89.3730% | 1,312 |
| Equity capital to assets | 9.9025% | 2,750 |
| Core capital (leverage) ratio | 9.8169% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8428% | 570 |
| Memoranda: | ||
| Average total assets | $214,205,400 | 2,952 |
| Average earning assets | $207,425,400 | 2,901 |
| Average equity | $21,707,600 | 3,080 |
| Average total loans | $79,031,000 | 3,498 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 3,509 |
| Cost of funding earning assets | 0.2844% | 2,752 |
| Net interest margin | 2.9669% | 3,392 |
| Noninterest income to average assets | 1.0273% | 1,023 |
| Noninterest expense to average assets | 2.5300% | 2,032 |
| Loan and lease loss provision to assets | 0.0070% | 2,841 |
| Net operating income to assets | 1.0953% | 2,574 |
| Return on assets (ROA) | 1.1926% | 2,251 |
| Pretax return on assets | 1.4883% | 2,026 |
| Return on Equity (ROE) | 11.7010% | 2,141 |
| Retained earnings to average equity (ytd only) | 9.8651% | 1,365 |
| Net charge-offs to loans | -0.0304% | 4,137 |
| Credit loss provision to net charge-offs | -61.1111% | 3,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8130% | 2,272 |
| Assets per employee ($millions) | 4.2003% | 4,333 |
| Cash dividends to net income (ytd only)* | 15.6904% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.4172% | 4,370 |
| Net loans and leases to deposits | 40.9629% | 4,417 |
| Net loans and leases to core deposits | 42.3409% | 4,436 |
| Total domestic deposits to total assets | 88.9027% | 1,343 |
| Equity capital to assets | 10.3737% | 2,552 |
| Core capital (leverage) ratio | 9.7133% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2014% | 590 |
| Memoranda: | ||
| Average total assets | $213,752,750 | 2,991 |
| Average earning assets | $207,213,000 | 2,926 |
| Average equity | $21,786,750 | 3,110 |
| Average total loans | $78,927,250 | 3,541 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4396% | 3,055 |
| Cost of funding earning assets | 0.2930% | 2,843 |
| Net interest margin | 3.1466% | 2,899 |
| Noninterest income to average assets | 1.1058% | 921 |
| Noninterest expense to average assets | 2.5300% | 2,049 |
| Loan and lease loss provision to assets | 0.0084% | 2,750 |
| Net operating income to assets | 1.2832% | 1,912 |
| Return on assets (ROA) | 1.3858% | 1,674 |
| Pretax return on assets | 1.7425% | 1,377 |
| Return on Equity (ROE) | 13.6773% | 1,509 |
| Retained earnings to average equity (ytd only) | 10.9049% | 1,147 |
| Net charge-offs to loans | -0.0152% | 3,865 |
| Credit loss provision to net charge-offs | -150.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9245% | 2,886 |
| Assets per employee ($millions) | 4.4367% | 4,149 |
| Cash dividends to net income (ytd only)* | 20.2703% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9977% | 610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 36.1049% | 4,459 |
| Net loans and leases to deposits | 40.2489% | 4,514 |
| Net loans and leases to core deposits | 41.5653% | 4,532 |
| Total domestic deposits to total assets | 89.7041% | 922 |
| Equity capital to assets | 10.0687% | 2,793 |
| Core capital (leverage) ratio | 9.4856% | 2,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2804% | 593 |
| Memoranda: | ||
| Average total assets | $213,598,667 | 2,987 |
| Average earning assets | $206,828,333 | 2,925 |
| Average equity | $21,641,667 | 3,119 |
| Average total loans | $78,694,667 | 3,568 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 2,745 |
| Cost of funding earning assets | 0.3068% | 2,917 |
| Net interest margin | 3.2579% | 2,522 |
| Noninterest income to average assets | 0.7482% | 1,721 |
| Noninterest expense to average assets | 2.4960% | 2,185 |
| Loan and lease loss provision to assets | 0.0151% | 2,586 |
| Net operating income to assets | 1.1023% | 2,469 |
| Return on assets (ROA) | 1.3094% | 1,880 |
| Pretax return on assets | 1.6457% | 1,612 |
| Return on Equity (ROE) | 12.8822% | 1,704 |
| Retained earnings to average equity (ytd only) | 12.8822% | 943 |
| Net charge-offs to loans | 0.0103% | 1,558 |
| Credit loss provision to net charge-offs | 400.0000% | 654 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 249 |
| Efficiency ratio | 64.0330% | 2,458 |
| Assets per employee ($millions) | 4.3142% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.0705% | 4,497 |
| Net loans and leases to deposits | 40.0457% | 4,563 |
| Net loans and leases to core deposits | 41.1916% | 4,588 |
| Total domestic deposits to total assets | 90.0733% | 786 |
| Equity capital to assets | 9.7107% | 2,987 |
| Core capital (leverage) ratio | 9.5731% | 2,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7540% | 535 |
| Memoranda: | ||
| Average total assets | $211,699,500 | 2,996 |
| Average earning assets | $204,673,500 | 2,932 |
| Average equity | $21,518,000 | 3,116 |
| Average total loans | $77,996,500 | 3,607 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 4,131 |
| Cost of funding earning assets | 0.4555% | 3,253 |
| Net interest margin | 2.9895% | 3,913 |
| Noninterest income to average assets | 0.9829% | 1,076 |
| Noninterest expense to average assets | 2.7941% | 1,953 |
| Loan and lease loss provision to assets | 0.1731% | 2,227 |
| Net operating income to assets | 0.7448% | 3,278 |
| Return on assets (ROA) | 0.7448% | 3,404 |
| Pretax return on assets | 0.8969% | 3,373 |
| Return on Equity (ROE) | 6.7740% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.9117% | 2,866 |
| Net charge-offs to loans | -0.0402% | 4,622 |
| Credit loss provision to net charge-offs | -1,137.9310% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3089% | 1,645 |
| Assets per employee ($millions) | 4.0723% | 4,322 |
| Cash dividends to net income (ytd only)* | 42.2535% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0694% | 511 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 36.1162% | 4,586 |
| Net loans and leases to deposits | 41.5116% | 4,614 |
| Net loans and leases to core deposits | 42.7134% | 4,639 |
| Total domestic deposits to total assets | 87.0026% | 1,949 |
| Equity capital to assets | 10.6357% | 2,567 |
| Core capital (leverage) ratio | 9.9373% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,654,400 | 3,023 |
| Average earning assets | $183,745,200 | 2,962 |
| Average equity | $20,962,600 | 3,100 |
| Average total loans | $72,111,600 | 3,686 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6046% | 4,000 |
| Cost of funding earning assets | 0.4888% | 3,299 |
| Net interest margin | 3.1158% | 3,703 |
| Noninterest income to average assets | 0.8798% | 1,282 |
| Noninterest expense to average assets | 2.8405% | 1,849 |
| Loan and lease loss provision to assets | 0.2312% | 1,757 |
| Net operating income to assets | 0.6803% | 3,517 |
| Return on assets (ROA) | 0.6803% | 3,628 |
| Pretax return on assets | 0.8133% | 3,612 |
| Return on Equity (ROE) | 6.1311% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.1970% | 2,948 |
| Net charge-offs to loans | -0.0507% | 4,677 |
| Credit loss provision to net charge-offs | -1,196.2963% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1173% | 1,505 |
| Assets per employee ($millions) | 3.6045% | 4,609 |
| Cash dividends to net income (ytd only)* | 31.5457% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 38.3912% | 4,609 |
| Net loans and leases to deposits | 45.9996% | 4,607 |
| Net loans and leases to core deposits | 47.3288% | 4,639 |
| Total domestic deposits to total assets | 83.4598% | 3,007 |
| Equity capital to assets | 11.2309% | 2,205 |
| Core capital (leverage) ratio | 10.3974% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,396,000 | 3,043 |
| Average earning assets | $179,765,000 | 2,980 |
| Average equity | $20,681,000 | 3,121 |
| Average total loans | $70,991,000 | 3,729 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 3,787 |
| Cost of funding earning assets | 0.5259% | 3,377 |
| Net interest margin | 3.3046% | 3,373 |
| Noninterest income to average assets | 0.8941% | 1,184 |
| Noninterest expense to average assets | 2.8729% | 1,906 |
| Loan and lease loss provision to assets | 0.0163% | 4,028 |
| Net operating income to assets | 0.9594% | 2,462 |
| Return on assets (ROA) | 0.9594% | 2,587 |
| Pretax return on assets | 1.1871% | 2,401 |
| Return on Equity (ROE) | 8.6849% | 2,500 |
| Retained earnings to average equity (ytd only) | 5.7275% | 2,183 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4782% | 1,893 |
| Assets per employee ($millions) | 3.6543% | 4,576 |
| Cash dividends to net income (ytd only)* | 34.0522% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 916 |
| Loan loss allowance to noncurrent loans | 10,341.6667% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 4,557 |
| Noncurrent loans to loans | 0.0159% | 4,443 |
| Net loans and leases to total assets | 37.6722% | 4,680 |
| Net loans and leases to deposits | 44.9921% | 4,678 |
| Net loans and leases to core deposits | 46.0315% | 4,712 |
| Total domestic deposits to total assets | 83.7306% | 2,834 |
| Equity capital to assets | 11.0194% | 2,326 |
| Core capital (leverage) ratio | 10.5301% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,647,667 | 3,044 |
| Average earning assets | $176,844,000 | 2,989 |
| Average equity | $20,288,000 | 3,149 |
| Average total loans | $69,221,000 | 3,771 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7241% | 4,340 |
| Cost of funding earning assets | 0.6038% | 3,413 |
| Net interest margin | 3.1203% | 4,050 |
| Noninterest income to average assets | 0.9887% | 881 |
| Noninterest expense to average assets | 3.0203% | 1,840 |
| Loan and lease loss provision to assets | 0.0181% | 3,565 |
| Net operating income to assets | 0.7624% | 3,046 |
| Return on assets (ROA) | 0.7624% | 3,124 |
| Pretax return on assets | 0.9434% | 3,022 |
| Return on Equity (ROE) | 6.8918% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.8918% | 1,579 |
| Net charge-offs to loans | 0.0242% | 1,880 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | 106.2500% | 555 |
| Efficiency ratio | 75.8523% | 1,578 |
| Assets per employee ($millions) | 3.4526% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 633 |
| Loan loss allowance to noncurrent loans | 4,392.8571% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,565 |
| Noncurrent loans to loans | 0.0428% | 4,382 |
| Net loans and leases to total assets | 35.7795% | 4,787 |
| Net loans and leases to deposits | 41.4205% | 4,811 |
| Net loans and leases to core deposits | 42.5772% | 4,831 |
| Total domestic deposits to total assets | 86.3810% | 1,836 |
| Equity capital to assets | 10.9995% | 2,854 |
| Core capital (leverage) ratio | 10.5738% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,804,500 | 3,067 |
| Average earning assets | $169,599,000 | 3,028 |
| Average equity | $19,559,500 | 3,207 |
| Average total loans | $66,041,000 | 3,845 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 4,534 |
| Cost of funding earning assets | 0.6281% | 3,518 |
| Net interest margin | 3.1926% | 4,200 |
| Noninterest income to average assets | 1.0332% | 903 |
| Noninterest expense to average assets | 3.1521% | 1,638 |
| Loan and lease loss provision to assets | 0.0420% | 3,171 |
| Net operating income to assets | 0.7285% | 3,772 |
| Return on assets (ROA) | 0.7172% | 3,876 |
| Pretax return on assets | 0.8839% | 3,782 |
| Return on Equity (ROE) | 6.6761% | 3,671 |
| Retained earnings to average equity (ytd only) | 3.4195% | 3,298 |
| Net charge-offs to loans | 0.0511% | 2,386 |
| Credit loss provision to net charge-offs | 205.7143% | 1,292 |
| Earnings coverage of net charge-offs (x) | 46.0571% | 1,196 |
| Efficiency ratio | 77.0305% | 1,262 |
| Assets per employee ($millions) | 3.2844% | 4,656 |
| Cash dividends to net income (ytd only)* | 48.7805% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 615 |
| Loan loss allowance to noncurrent loans | 30,650.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,682 |
| Noncurrent loans to loans | 0.0060% | 4,577 |
| Net loans and leases to total assets | 37.5641% | 4,808 |
| Net loans and leases to deposits | 42.3669% | 4,865 |
| Net loans and leases to core deposits | 43.6993% | 4,880 |
| Total domestic deposits to total assets | 88.6640% | 814 |
| Equity capital to assets | 11.1281% | 2,878 |
| Core capital (leverage) ratio | 10.7210% | 2,746 |
| Tier 1 risk-based capital ratio | 23.0650% | 908 |
| Total risk-based capital ratio | 24.3178% | 890 |
| Memoranda: | ||
| Average total assets | $171,503,200 | 3,099 |
| Average earning assets | $164,316,600 | 3,047 |
| Average equity | $18,424,000 | 3,292 |
| Average total loans | $68,491,400 | 3,803 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,620 |
| Cost of funding earning assets | 0.6240% | 3,561 |
| Net interest margin | 3.2170% | 4,260 |
| Noninterest income to average assets | 1.0386% | 863 |
| Noninterest expense to average assets | 3.1596% | 1,558 |
| Loan and lease loss provision to assets | 0.0445% | 3,019 |
| Net operating income to assets | 0.7401% | 3,880 |
| Return on assets (ROA) | 0.7249% | 3,995 |
| Pretax return on assets | 0.8974% | 3,876 |
| Return on Equity (ROE) | 6.8105% | 3,762 |
| Retained earnings to average equity (ytd only) | 4.6112% | 3,094 |
| Net charge-offs to loans | -0.0097% | 4,366 |
| Credit loss provision to net charge-offs | -1,140.0000% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6856% | 1,244 |
| Assets per employee ($millions) | 3.2648% | 4,695 |
| Cash dividends to net income (ytd only)* | 32.2927% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 676 |
| Loan loss allowance to noncurrent loans | 17,871.4286% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,757 |
| Noncurrent loans to loans | 0.0101% | 4,640 |
| Net loans and leases to total assets | 40.1734% | 4,811 |
| Net loans and leases to deposits | 45.7744% | 4,875 |
| Net loans and leases to core deposits | 47.1780% | 4,891 |
| Total domestic deposits to total assets | 87.7640% | 1,139 |
| Equity capital to assets | 11.4668% | 2,681 |
| Core capital (leverage) ratio | 10.8858% | 2,749 |
| Tier 1 risk-based capital ratio | 22.6038% | 996 |
| Total risk-based capital ratio | 23.8560% | 966 |
| Memoranda: | ||
| Average total assets | $170,860,750 | 3,137 |
| Average earning assets | $163,665,750 | 3,083 |
| Average equity | $18,187,250 | 3,341 |
| Average total loans | $68,960,500 | 3,836 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8483% | 4,642 |
| Cost of funding earning assets | 0.6010% | 3,648 |
| Net interest margin | 3.2474% | 4,246 |
| Noninterest income to average assets | 1.0466% | 788 |
| Noninterest expense to average assets | 3.1397% | 1,636 |
| Loan and lease loss provision to assets | 0.0491% | 2,841 |
| Net operating income to assets | 0.7878% | 3,697 |
| Return on assets (ROA) | 0.7651% | 3,838 |
| Pretax return on assets | 0.9415% | 3,735 |
| Return on Equity (ROE) | 7.3758% | 3,540 |
| Retained earnings to average equity (ytd only) | 3.9976% | 3,251 |
| Net charge-offs to loans | -0.0029% | 4,025 |
| Credit loss provision to net charge-offs | -4,200.0000% | 4,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5056% | 1,458 |
| Assets per employee ($millions) | 3.2399% | 4,748 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 684 |
| Loan loss allowance to noncurrent loans | 13,688.8889% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,789 |
| Noncurrent loans to loans | 0.0131% | 4,661 |
| Net loans and leases to total assets | 39.1538% | 4,876 |
| Net loans and leases to deposits | 44.0953% | 4,952 |
| Net loans and leases to core deposits | 45.8112% | 4,963 |
| Total domestic deposits to total assets | 88.7936% | 747 |
| Equity capital to assets | 10.9955% | 3,059 |
| Core capital (leverage) ratio | 10.5765% | 3,002 |
| Tier 1 risk-based capital ratio | 22.3664% | 1,015 |
| Total risk-based capital ratio | 23.6191% | 991 |
| Memoranda: | ||
| Average total assets | $171,224,670 | 3,147 |
| Average earning assets | $164,072,000 | 3,090 |
| Average equity | $17,760,670 | 3,385 |
| Average total loans | $68,796,330 | 3,863 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 4,663 |
| Cost of funding earning assets | 0.5533% | 3,809 |
| Net interest margin | 3.2735% | 4,222 |
| Noninterest income to average assets | 1.0036% | 802 |
| Noninterest expense to average assets | 3.0436% | 1,865 |
| Loan and lease loss provision to assets | 0.0632% | 2,398 |
| Net operating income to assets | 0.8415% | 3,479 |
| Return on assets (ROA) | 0.7954% | 3,688 |
| Pretax return on assets | 0.9685% | 3,553 |
| Return on Equity (ROE) | 7.9067% | 3,307 |
| Retained earnings to average equity (ytd only) | 7.9067% | 1,703 |
| Net charge-offs to loans | 0.0116% | 2,272 |
| Credit loss provision to net charge-offs | 1,350.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 232.5000% | 341 |
| Efficiency ratio | 73.6693% | 1,790 |
| Assets per employee ($millions) | 3.3354% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7850% | 727 |
| Loan loss allowance to noncurrent loans | 10,116.6667% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,849 |
| Noncurrent loans to loans | 0.0176% | 4,703 |
| Net loans and leases to total assets | 38.5138% | 4,938 |
| Net loans and leases to deposits | 42.9644% | 5,010 |
| Net loans and leases to core deposits | 45.5266% | 5,006 |
| Total domestic deposits to total assets | 89.6413% | 583 |
| Equity capital to assets | 10.1575% | 3,674 |
| Core capital (leverage) ratio | 10.4696% | 3,081 |
| Tier 1 risk-based capital ratio | 22.1571% | 1,036 |
| Total risk-based capital ratio | 23.4088% | 1,012 |
| Memoranda: | ||
| Average total assets | $170,979,500 | 3,184 |
| Average earning assets | $163,370,500 | 3,134 |
| Average equity | $17,200,500 | 3,459 |
| Average total loans | $68,962,000 | 3,892 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5986% | 4,799 |
| Cost of funding earning assets | 0.3570% | 4,237 |
| Net interest margin | 3.2416% | 4,406 |
| Noninterest income to average assets | 1.0154% | 920 |
| Noninterest expense to average assets | 3.0745% | 1,860 |
| Loan and lease loss provision to assets | 0.1207% | 1,825 |
| Net operating income to assets | 0.7693% | 3,916 |
| Return on assets (ROA) | 0.7578% | 3,946 |
| Pretax return on assets | 0.9109% | 3,868 |
| Return on Equity (ROE) | 8.0582% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.0659% | 3,325 |
| Net charge-offs to loans | 0.1214% | 1,521 |
| Credit loss provision to net charge-offs | 248.8095% | 1,195 |
| Earnings coverage of net charge-offs (x) | 21.5476% | 1,936 |
| Efficiency ratio | 74.6250% | 1,549 |
| Assets per employee ($millions) | 3.1796% | 4,857 |
| Cash dividends to net income (ytd only)* | 49.5427% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 834 |
| Loan loss allowance to noncurrent loans | 7,926.6667% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,862 |
| Noncurrent loans to loans | 0.0215% | 4,689 |
| Net loans and leases to total assets | 40.7803% | 4,917 |
| Net loans and leases to deposits | 46.5616% | 4,973 |
| Net loans and leases to core deposits | 48.6111% | 4,977 |
| Total domestic deposits to total assets | 87.5837% | 1,493 |
| Equity capital to assets | 9.9596% | 3,718 |
| Core capital (leverage) ratio | 10.5245% | 3,001 |
| Tier 1 risk-based capital ratio | 20.3879% | 1,247 |
| Total risk-based capital ratio | 21.6386% | 1,222 |
| Memoranda: | ||
| Average total assets | $173,132,200 | 3,135 |
| Average earning assets | $165,815,000 | 3,068 |
| Average equity | $16,281,600 | 3,490 |
| Average total loans | $69,202,800 | 3,886 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5310% | 4,899 |
| Cost of funding earning assets | 0.3261% | 4,339 |
| Net interest margin | 3.2049% | 4,500 |
| Noninterest income to average assets | 1.0098% | 943 |
| Noninterest expense to average assets | 3.0210% | 1,948 |
| Loan and lease loss provision to assets | 0.1209% | 1,673 |
| Net operating income to assets | 0.7825% | 3,963 |
| Return on assets (ROA) | 0.7895% | 3,955 |
| Pretax return on assets | 0.9517% | 3,873 |
| Return on Equity (ROE) | 8.5168% | 3,321 |
| Retained earnings to average equity (ytd only) | 6.0410% | 2,638 |
| Net charge-offs to loans | 0.0946% | 1,541 |
| Credit loss provision to net charge-offs | 322.4490% | 972 |
| Earnings coverage of net charge-offs (x) | 28.3885% | 1,666 |
| Efficiency ratio | 73.9513% | 1,605 |
| Assets per employee ($millions) | 3.1371% | 4,932 |
| Cash dividends to net income (ytd only)* | 29.0697% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 916 |
| Loan loss allowance to noncurrent loans | 1,585.1351% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 4,622 |
| Noncurrent loans to loans | 0.1057% | 4,411 |
| Net loans and leases to total assets | 40.6356% | 5,010 |
| Net loans and leases to deposits | 46.9480% | 5,037 |
| Net loans and leases to core deposits | 48.8983% | 5,046 |
| Total domestic deposits to total assets | 86.5545% | 1,945 |
| Equity capital to assets | 9.3387% | 4,236 |
| Core capital (leverage) ratio | 10.4226% | 3,162 |
| Tier 1 risk-based capital ratio | 21.3413% | 1,133 |
| Total risk-based capital ratio | 22.5923% | 1,116 |
| Memoranda: | ||
| Average total assets | $174,285,250 | 3,143 |
| Average earning assets | $167,237,750 | 3,081 |
| Average equity | $16,156,000 | 3,527 |
| Average total loans | $69,025,500 | 3,930 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4796% | 4,944 |
| Cost of funding earning assets | 0.2868% | 4,520 |
| Net interest margin | 3.1928% | 4,522 |
| Noninterest income to average assets | 0.9880% | 981 |
| Noninterest expense to average assets | 2.9731% | 2,125 |
| Loan and lease loss provision to assets | 0.1217% | 1,618 |
| Net operating income to assets | 0.7923% | 3,879 |
| Return on assets (ROA) | 0.8027% | 3,843 |
| Pretax return on assets | 0.9687% | 3,754 |
| Return on Equity (ROE) | 8.6796% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.9914% | 3,079 |
| Net charge-offs to loans | 0.1281% | 1,154 |
| Credit loss provision to net charge-offs | 243.1818% | 1,163 |
| Earnings coverage of net charge-offs (x) | 21.5455% | 1,772 |
| Efficiency ratio | 73.3932% | 1,791 |
| Assets per employee ($millions) | 3.2919% | 4,826 |
| Cash dividends to net income (ytd only)* | 42.4929% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,041 |
| Loan loss allowance to noncurrent loans | 1,033.9450% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 4,707 |
| Noncurrent loans to loans | 0.1573% | 4,199 |
| Net loans and leases to total assets | 39.0793% | 5,089 |
| Net loans and leases to deposits | 45.3284% | 5,114 |
| Net loans and leases to core deposits | 46.9861% | 5,124 |
| Total domestic deposits to total assets | 86.2138% | 2,184 |
| Equity capital to assets | 9.1282% | 4,454 |
| Core capital (leverage) ratio | 10.0338% | 3,542 |
| Tier 1 risk-based capital ratio | 21.0361% | 1,168 |
| Total risk-based capital ratio | 22.2870% | 1,138 |
| Memoranda: | ||
| Average total assets | $175,912,670 | 3,137 |
| Average earning assets | $168,755,330 | 3,078 |
| Average equity | $16,268,000 | 3,524 |
| Average total loans | $68,697,000 | 3,961 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 4,994 |
| Cost of funding earning assets | 0.2241% | 4,871 |
| Net interest margin | 3.1941% | 4,485 |
| Noninterest income to average assets | 0.9783% | 958 |
| Noninterest expense to average assets | 2.9417% | 2,219 |
| Loan and lease loss provision to assets | 0.1223% | 1,543 |
| Net operating income to assets | 0.8130% | 3,655 |
| Return on assets (ROA) | 0.8130% | 3,664 |
| Pretax return on assets | 0.9806% | 3,601 |
| Return on Equity (ROE) | 8.7353% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.7353% | 1,561 |
| Net charge-offs to loans | 0.3041% | 499 |
| Credit loss provision to net charge-offs | 103.8462% | 1,504 |
| Earnings coverage of net charge-offs (x) | 9.3654% | 1,969 |
| Efficiency ratio | 72.7324% | 2,085 |
| Assets per employee ($millions) | 3.3310% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 1,223 |
| Loan loss allowance to noncurrent loans | 1,421.3333% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 4,896 |
| Noncurrent loans to loans | 0.1107% | 4,472 |
| Net loans and leases to total assets | 37.7652% | 5,146 |
| Net loans and leases to deposits | 43.0630% | 5,185 |
| Net loans and leases to core deposits | 43.4138% | 5,229 |
| Total domestic deposits to total assets | 87.6975% | 1,791 |
| Equity capital to assets | 9.0698% | 4,491 |
| Core capital (leverage) ratio | 9.9165% | 3,619 |
| Tier 1 risk-based capital ratio | 21.3096% | 1,156 |
| Total risk-based capital ratio | 22.5597% | 1,127 |
| Memoranda: | ||
| Average total assets | $176,633,500 | 3,167 |
| Average earning assets | $169,563,500 | 3,104 |
| Average equity | $16,439,000 | 3,540 |
| Average total loans | $68,391,000 | 3,998 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 4,992 |
| Cost of funding earning assets | 0.1989% | 4,956 |
| Net interest margin | 3.1631% | 4,539 |
| Noninterest income to average assets | 1.0329% | 955 |
| Noninterest expense to average assets | 2.9125% | 2,410 |
| Loan and lease loss provision to assets | 0.0317% | 3,634 |
| Net operating income to assets | 0.7548% | 3,370 |
| Return on assets (ROA) | 0.7556% | 3,404 |
| Pretax return on assets | 1.1320% | 3,053 |
| Return on Equity (ROE) | 7.9500% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.0792% | 2,728 |
| Net charge-offs to loans | 0.3510% | 726 |
| Credit loss provision to net charge-offs | 23.7288% | 3,586 |
| Earnings coverage of net charge-offs (x) | 8.7034% | 2,878 |
| Efficiency ratio | 71.4722% | 2,305 |
| Assets per employee ($millions) | 3.3345% | 4,905 |
| Cash dividends to net income (ytd only)* | 48.6891% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,292 |
| Loan loss allowance to noncurrent loans | 976.1468% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 4,812 |
| Noncurrent loans to loans | 0.1579% | 4,296 |
| Net loans and leases to total assets | 38.4669% | 5,199 |
| Net loans and leases to deposits | 43.8355% | 5,252 |
| Net loans and leases to core deposits | 44.1920% | 5,287 |
| Total domestic deposits to total assets | 87.7528% | 1,627 |
| Equity capital to assets | 9.5436% | 4,199 |
| Core capital (leverage) ratio | 9.7073% | 3,808 |
| Tier 1 risk-based capital ratio | 20.5462% | 1,219 |
| Total risk-based capital ratio | 21.7961% | 1,194 |
| Memoranda: | ||
| Average total assets | $176,684,000 | 3,163 |
| Average earning assets | $169,927,000 | 3,077 |
| Average equity | $16,792,400 | 3,503 |
| Average total loans | $67,237,800 | 4,025 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3248% | 5,077 |
| Cost of funding earning assets | 0.1944% | 5,021 |
| Net interest margin | 3.1304% | 4,621 |
| Noninterest income to average assets | 1.0279% | 964 |
| Noninterest expense to average assets | 2.8549% | 2,551 |
| Loan and lease loss provision to assets | 0.0309% | 3,498 |
| Net operating income to assets | 0.8434% | 3,306 |
| Return on assets (ROA) | 0.8445% | 3,343 |
| Pretax return on assets | 1.1569% | 3,086 |
| Return on Equity (ROE) | 8.8945% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.1125% | 2,164 |
| Net charge-offs to loans | 0.0080% | 3,440 |
| Credit loss provision to net charge-offs | 1,025.0000% | 350 |
| Earnings coverage of net charge-offs (x) | 393.2364% | 241 |
| Efficiency ratio | 70.6443% | 2,425 |
| Assets per employee ($millions) | 3.2146% | 5,049 |
| Cash dividends to net income (ytd only)* | 31.2783% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.9833% | 5,268 |
| Net loans and leases to deposits | 42.8772% | 5,339 |
| Net loans and leases to core deposits | 43.2224% | 5,382 |
| Total domestic deposits to total assets | 88.5862% | 1,079 |
| Equity capital to assets | 9.8290% | 4,106 |
| Core capital (leverage) ratio | 9.7608% | 3,868 |
| Tier 1 risk-based capital ratio | 21.0776% | 1,181 |
| Total risk-based capital ratio | 22.3304% | 1,159 |
| Memoranda: | ||
| Average total assets | $176,673,500 | 3,190 |
| Average earning assets | $170,070,750 | 3,100 |
| Average equity | $16,774,000 | 3,538 |
| Average total loans | $66,786,000 | 4,064 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2977% | 5,111 |
| Cost of funding earning assets | 0.1907% | 5,064 |
| Net interest margin | 3.1070% | 4,659 |
| Noninterest income to average assets | 1.0066% | 1,006 |
| Noninterest expense to average assets | 2.8353% | 2,636 |
| Loan and lease loss provision to assets | 0.0294% | 3,409 |
| Net operating income to assets | 0.8280% | 3,256 |
| Return on assets (ROA) | 0.8289% | 3,306 |
| Pretax return on assets | 1.1323% | 3,043 |
| Return on Equity (ROE) | 8.8338% | 2,585 |
| Retained earnings to average equity (ytd only) | 4.6100% | 2,968 |
| Net charge-offs to loans | 0.0030% | 3,390 |
| Credit loss provision to net charge-offs | 2,600.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 1,025.0000% | 67 |
| Efficiency ratio | 70.9549% | 2,517 |
| Assets per employee ($millions) | 3.2542% | 5,029 |
| Cash dividends to net income (ytd only)* | 47.8142% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 754 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 37.0589% | 5,334 |
| Net loans and leases to deposits | 41.0354% | 5,420 |
| Net loans and leases to core deposits | 41.2270% | 5,467 |
| Total domestic deposits to total assets | 90.3095% | 422 |
| Equity capital to assets | 9.5513% | 4,360 |
| Core capital (leverage) ratio | 9.5397% | 4,087 |
| Tier 1 risk-based capital ratio | 20.6869% | 1,246 |
| Total risk-based capital ratio | 21.9397% | 1,218 |
| Memoranda: | ||
| Average total assets | $176,630,000 | 3,198 |
| Average earning assets | $169,938,330 | 3,112 |
| Average equity | $16,572,670 | 3,573 |
| Average total loans | $66,235,670 | 4,099 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2558% | 5,167 |
| Cost of funding earning assets | 0.1872% | 5,093 |
| Net interest margin | 3.0686% | 4,739 |
| Noninterest income to average assets | 0.9416% | 1,128 |
| Noninterest expense to average assets | 2.7950% | 2,809 |
| Loan and lease loss provision to assets | 0.0251% | 3,246 |
| Net operating income to assets | 0.7934% | 3,252 |
| Return on assets (ROA) | 0.7934% | 3,310 |
| Pretax return on assets | 1.0738% | 3,075 |
| Return on Equity (ROE) | 8.5339% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.5339% | 1,263 |
| Net charge-offs to loans | -0.0061% | 4,240 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7799% | 2,617 |
| Assets per employee ($millions) | 3.1618% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 35.8811% | 5,404 |
| Net loans and leases to deposits | 39.6603% | 5,477 |
| Net loans and leases to core deposits | 39.9724% | 5,525 |
| Total domestic deposits to total assets | 90.4710% | 485 |
| Equity capital to assets | 9.3471% | 4,446 |
| Core capital (leverage) ratio | 9.5517% | 4,052 |
| Tier 1 risk-based capital ratio | 21.0983% | 1,210 |
| Total risk-based capital ratio | 22.3511% | 1,186 |
| Memoranda: | ||
| Average total assets | $175,455,000 | 3,245 |
| Average earning assets | $168,805,000 | 3,147 |
| Average equity | $16,311,500 | 3,622 |
| Average total loans | $65,555,000 | 4,142 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2042% | 5,297 |
| Cost of funding earning assets | 0.1981% | 5,029 |
| Net interest margin | 3.0061% | 4,948 |
| Noninterest income to average assets | 1.0240% | 1,081 |
| Noninterest expense to average assets | 2.9720% | 2,432 |
| Loan and lease loss provision to assets | 0.0243% | 3,871 |
| Net operating income to assets | 0.7027% | 3,767 |
| Return on assets (ROA) | 0.7296% | 3,758 |
| Pretax return on assets | 0.9598% | 3,620 |
| Return on Equity (ROE) | 7.5487% | 3,193 |
| Retained earnings to average equity (ytd only) | 3.6576% | 3,313 |
| Net charge-offs to loans | -0.0016% | 4,685 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8005% | 2,012 |
| Assets per employee ($millions) | 3.2194% | 5,133 |
| Cash dividends to net income (ytd only)* | 51.5464% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 37.4340% | 5,424 |
| Net loans and leases to deposits | 42.6348% | 5,474 |
| Net loans and leases to core deposits | 42.9871% | 5,520 |
| Total domestic deposits to total assets | 87.8016% | 1,741 |
| Equity capital to assets | 9.2453% | 4,521 |
| Core capital (leverage) ratio | 9.6387% | 3,921 |
| Tier 1 risk-based capital ratio | 20.6492% | 1,269 |
| Total risk-based capital ratio | 21.9024% | 1,237 |
| Memoranda: | ||
| Average total assets | $172,844,600 | 3,252 |
| Average earning assets | $166,563,600 | 3,153 |
| Average equity | $16,704,800 | 3,590 |
| Average total loans | $63,765,000 | 4,184 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2195% | 5,335 |
| Cost of funding earning assets | 0.2003% | 5,064 |
| Net interest margin | 3.0192% | 4,977 |
| Noninterest income to average assets | 1.0321% | 1,071 |
| Noninterest expense to average assets | 2.9487% | 2,464 |
| Loan and lease loss provision to assets | 0.0247% | 3,752 |
| Net operating income to assets | 0.7344% | 3,672 |
| Return on assets (ROA) | 0.7702% | 3,654 |
| Pretax return on assets | 1.0174% | 3,567 |
| Return on Equity (ROE) | 7.8831% | 3,068 |
| Retained earnings to average equity (ytd only) | 5.1157% | 2,745 |
| Net charge-offs to loans | -0.0148% | 4,905 |
| Credit loss provision to net charge-offs | -457.1429% | 5,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7698% | 2,147 |
| Assets per employee ($millions) | 3.1012% | 5,291 |
| Cash dividends to net income (ytd only)* | 35.1057% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 37.2585% | 5,500 |
| Net loans and leases to deposits | 42.5238% | 5,566 |
| Net loans and leases to core deposits | 42.8825% | 5,615 |
| Total domestic deposits to total assets | 87.6178% | 1,602 |
| Equity capital to assets | 10.2141% | 3,898 |
| Core capital (leverage) ratio | 9.7523% | 3,872 |
| Tier 1 risk-based capital ratio | 21.4755% | 1,198 |
| Total risk-based capital ratio | 22.7293% | 1,181 |
| Memoranda: | ||
| Average total assets | $172,593,250 | 3,264 |
| Average earning assets | $166,440,000 | 3,174 |
| Average equity | $16,862,750 | 3,600 |
| Average total loans | $63,125,500 | 4,223 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2323% | 5,383 |
| Cost of funding earning assets | 0.2011% | 5,126 |
| Net interest margin | 3.0312% | 5,014 |
| Noninterest income to average assets | 1.0077% | 1,098 |
| Noninterest expense to average assets | 2.9861% | 2,392 |
| Loan and lease loss provision to assets | 0.0242% | 3,644 |
| Net operating income to assets | 0.7070% | 3,754 |
| Return on assets (ROA) | 0.7514% | 3,694 |
| Pretax return on assets | 0.9777% | 3,668 |
| Return on Equity (ROE) | 7.8075% | 3,083 |
| Retained earnings to average equity (ytd only) | 3.6099% | 3,594 |
| Net charge-offs to loans | -0.0224% | 4,994 |
| Credit loss provision to net charge-offs | -300.0000% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9765% | 2,080 |
| Assets per employee ($millions) | 3.0705% | 5,355 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 782 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 35.5361% | 5,629 |
| Net loans and leases to deposits | 39.9480% | 5,694 |
| Net loans and leases to core deposits | 40.2774% | 5,733 |
| Total domestic deposits to total assets | 88.9560% | 937 |
| Equity capital to assets | 10.0698% | 4,138 |
| Core capital (leverage) ratio | 9.3687% | 4,377 |
| Tier 1 risk-based capital ratio | 21.5285% | 1,197 |
| Total risk-based capital ratio | 22.7830% | 1,176 |
| Memoranda: | ||
| Average total assets | $173,268,330 | 3,277 |
| Average earning assets | $167,065,000 | 3,180 |
| Average equity | $16,676,330 | 3,632 |
| Average total loans | $62,570,330 | 4,272 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2106% | 5,472 |
| Cost of funding earning assets | 0.2026% | 5,178 |
| Net interest margin | 3.0080% | 5,104 |
| Noninterest income to average assets | 0.9268% | 1,244 |
| Noninterest expense to average assets | 2.9506% | 2,539 |
| Loan and lease loss provision to assets | 0.0253% | 3,342 |
| Net operating income to assets | 0.6830% | 3,802 |
| Return on assets (ROA) | 0.6830% | 3,915 |
| Pretax return on assets | 0.8532% | 4,023 |
| Return on Equity (ROE) | 7.2629% | 3,310 |
| Retained earnings to average equity (ytd only) | 7.2629% | 1,767 |
| Net charge-offs to loans | -0.0766% | 5,536 |
| Credit loss provision to net charge-offs | -91.6667% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0571% | 2,036 |
| Assets per employee ($millions) | 3.2249% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 34.0439% | 5,715 |
| Net loans and leases to deposits | 37.6969% | 5,788 |
| Net loans and leases to core deposits | 37.8742% | 5,826 |
| Total domestic deposits to total assets | 90.3096% | 494 |
| Equity capital to assets | 9.4232% | 4,749 |
| Core capital (leverage) ratio | 9.1635% | 4,639 |
| Tier 1 risk-based capital ratio | 21.2953% | 1,262 |
| Total risk-based capital ratio | 22.5497% | 1,239 |
| Memoranda: | ||
| Average total assets | $173,928,000 | 3,280 |
| Average earning assets | $167,821,000 | 3,177 |
| Average equity | $16,357,000 | 3,685 |
| Average total loans | $62,689,000 | 4,295 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 5,454 |
| Cost of funding earning assets | 0.2196% | 5,097 |
| Net interest margin | 3.0200% | 5,087 |
| Noninterest income to average assets | 1.0939% | 983 |
| Noninterest expense to average assets | 3.0610% | 2,347 |
| Loan and lease loss provision to assets | 0.0124% | 4,160 |
| Net operating income to assets | 0.7279% | 3,681 |
| Return on assets (ROA) | 0.7391% | 3,723 |
| Pretax return on assets | 0.9403% | 3,693 |
| Return on Equity (ROE) | 7.9267% | 2,991 |
| Retained earnings to average equity (ytd only) | 4.1401% | 3,054 |
| Net charge-offs to loans | 0.0016% | 4,421 |
| Credit loss provision to net charge-offs | 2,100.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 1,595.0000% | 26 |
| Efficiency ratio | 76.5338% | 2,189 |
| Assets per employee ($millions) | 3.0444% | 5,484 |
| Cash dividends to net income (ytd only)* | 47.7707% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8833% | 985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 36.7006% | 5,681 |
| Net loans and leases to deposits | 40.9684% | 5,742 |
| Net loans and leases to core deposits | 41.1706% | 5,791 |
| Total domestic deposits to total assets | 89.5827% | 806 |
| Equity capital to assets | 9.3850% | 4,694 |
| Core capital (leverage) ratio | 9.2559% | 4,537 |
| Tier 1 risk-based capital ratio | 20.6473% | 1,358 |
| Total risk-based capital ratio | 21.9005% | 1,333 |
| Memoranda: | ||
| Average total assets | $169,944,000 | 3,303 |
| Average earning assets | $163,508,400 | 3,208 |
| Average equity | $15,845,200 | 3,701 |
| Average total loans | $63,770,200 | 4,269 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 5,549 |
| Cost of funding earning assets | 0.2204% | 5,178 |
| Net interest margin | 3.0051% | 5,178 |
| Noninterest income to average assets | 1.0992% | 999 |
| Noninterest expense to average assets | 3.0355% | 2,413 |
| Loan and lease loss provision to assets | 0.0165% | 3,943 |
| Net operating income to assets | 0.7243% | 3,793 |
| Return on assets (ROA) | 0.7389% | 3,828 |
| Pretax return on assets | 0.9563% | 3,794 |
| Return on Equity (ROE) | 7.9375% | 3,107 |
| Retained earnings to average equity (ytd only) | 5.4070% | 2,635 |
| Net charge-offs to loans | -0.0251% | 5,276 |
| Credit loss provision to net charge-offs | -175.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0874% | 2,232 |
| Assets per employee ($millions) | 3.1609% | 5,353 |
| Cash dividends to net income (ytd only)* | 31.8809% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 1,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 36.7353% | 5,762 |
| Net loans and leases to deposits | 40.7040% | 5,843 |
| Net loans and leases to core deposits | 40.9031% | 5,890 |
| Total domestic deposits to total assets | 90.2499% | 486 |
| Equity capital to assets | 9.5128% | 4,735 |
| Core capital (leverage) ratio | 9.1696% | 4,776 |
| Tier 1 risk-based capital ratio | 20.4512% | 1,444 |
| Total risk-based capital ratio | 21.7039% | 1,410 |
| Memoranda: | ||
| Average total assets | $169,808,750 | 3,334 |
| Average earning assets | $163,319,250 | 3,236 |
| Average equity | $15,806,500 | 3,745 |
| Average total loans | $63,770,250 | 4,312 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2083% | 5,609 |
| Cost of funding earning assets | 0.2196% | 5,258 |
| Net interest margin | 2.9887% | 5,253 |
| Noninterest income to average assets | 1.0595% | 1,060 |
| Noninterest expense to average assets | 3.0286% | 2,471 |
| Loan and lease loss provision to assets | 0.0248% | 3,640 |
| Net operating income to assets | 0.6755% | 4,000 |
| Return on assets (ROA) | 0.6973% | 4,022 |
| Pretax return on assets | 0.9085% | 3,926 |
| Return on Equity (ROE) | 7.5464% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.7158% | 3,661 |
| Net charge-offs to loans | -0.0691% | 5,656 |
| Credit loss provision to net charge-offs | -95.4545% | 4,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9946% | 2,205 |
| Assets per employee ($millions) | 3.0763% | 5,501 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 1,042 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 35.4778% | 5,844 |
| Net loans and leases to deposits | 39.0693% | 5,937 |
| Net loans and leases to core deposits | 39.3209% | 5,979 |
| Total domestic deposits to total assets | 90.8075% | 354 |
| Equity capital to assets | 8.9690% | 5,265 |
| Core capital (leverage) ratio | 9.0850% | 4,846 |
| Tier 1 risk-based capital ratio | 20.2706% | 1,491 |
| Total risk-based capital ratio | 21.5246% | 1,465 |
| Memoranda: | ||
| Average total assets | $169,516,330 | 3,356 |
| Average earning assets | $163,014,670 | 3,261 |
| Average equity | $15,663,000 | 3,788 |
| Average total loans | $63,721,670 | 4,345 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 5,570 |
| Cost of funding earning assets | 0.2254% | 5,264 |
| Net interest margin | 3.0171% | 5,164 |
| Noninterest income to average assets | 1.0277% | 1,060 |
| Noninterest expense to average assets | 3.0522% | 2,423 |
| Loan and lease loss provision to assets | 0.0285% | 3,303 |
| Net operating income to assets | 0.6352% | 4,116 |
| Return on assets (ROA) | 0.6780% | 4,025 |
| Pretax return on assets | 0.9016% | 3,884 |
| Return on Equity (ROE) | 7.2294% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.2294% | 1,902 |
| Net charge-offs to loans | -0.0621% | 5,630 |
| Credit loss provision to net charge-offs | -120.0000% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7576% | 2,221 |
| Assets per employee ($millions) | 3.0103% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9505% | 1,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 35.2429% | 5,862 |
| Net loans and leases to deposits | 39.0201% | 5,948 |
| Net loans and leases to core deposits | 39.4952% | 5,989 |
| Total domestic deposits to total assets | 90.3199% | 598 |
| Equity capital to assets | 9.3666% | 4,893 |
| Core capital (leverage) ratio | 8.9641% | 4,994 |
| Tier 1 risk-based capital ratio | 20.7446% | 1,467 |
| Total risk-based capital ratio | 21.9989% | 1,438 |
| Memoranda: | ||
| Average total assets | $168,139,000 | 3,400 |
| Average earning assets | $161,481,500 | 3,301 |
| Average equity | $15,769,000 | 3,789 |
| Average total loans | $64,411,500 | 4,352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3484% | 5,623 |
| Cost of funding earning assets | 0.2448% | 5,379 |
| Net interest margin | 3.1036% | 5,195 |
| Noninterest income to average assets | 1.1328% | 945 |
| Noninterest expense to average assets | 3.1049% | 2,497 |
| Loan and lease loss provision to assets | 0.0205% | 4,210 |
| Net operating income to assets | 0.7137% | 3,821 |
| Return on assets (ROA) | 0.7713% | 3,609 |
| Pretax return on assets | 1.0606% | 3,255 |
| Return on Equity (ROE) | 8.6603% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.6071% | 2,902 |
| Net charge-offs to loans | 0.0985% | 3,100 |
| Credit loss provision to net charge-offs | 52.3077% | 3,436 |
| Earnings coverage of net charge-offs (x) | 25.6308% | 1,494 |
| Efficiency ratio | 75.3918% | 2,617 |
| Assets per employee ($millions) | 2.8893% | 5,843 |
| Cash dividends to net income (ytd only)* | 46.8019% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 1,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 40.0549% | 5,741 |
| Net loans and leases to deposits | 45.1460% | 5,836 |
| Net loans and leases to core deposits | 45.7291% | 5,904 |
| Total domestic deposits to total assets | 88.7230% | 1,406 |
| Equity capital to assets | 9.3910% | 4,856 |
| Core capital (leverage) ratio | 9.3071% | 4,528 |
| Tier 1 risk-based capital ratio | 19.8069% | 1,635 |
| Total risk-based capital ratio | 21.0607% | 1,610 |
| Memoranda: | ||
| Average total assets | $166,221,200 | 3,390 |
| Average earning assets | $159,297,600 | 3,296 |
| Average equity | $14,803,200 | 3,878 |
| Average total loans | $66,017,800 | 4,293 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3300% | 5,714 |
| Cost of funding earning assets | 0.2486% | 5,423 |
| Net interest margin | 3.0813% | 5,307 |
| Noninterest income to average assets | 1.1220% | 965 |
| Noninterest expense to average assets | 3.0579% | 2,603 |
| Loan and lease loss provision to assets | 0.0176% | 4,061 |
| Net operating income to assets | 0.7279% | 3,797 |
| Return on assets (ROA) | 0.7939% | 3,557 |
| Pretax return on assets | 1.0924% | 3,217 |
| Return on Equity (ROE) | 9.0359% | 2,661 |
| Retained earnings to average equity (ytd only) | 6.3033% | 2,215 |
| Net charge-offs to loans | 0.1257% | 2,538 |
| Credit loss provision to net charge-offs | 35.4839% | 3,365 |
| Earnings coverage of net charge-offs (x) | 20.5495% | 1,726 |
| Efficiency ratio | 74.9362% | 2,672 |
| Assets per employee ($millions) | 2.7698% | 6,002 |
| Cash dividends to net income (ytd only)* | 30.2420% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7652% | 1,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.9453% | 5,815 |
| Net loans and leases to deposits | 44.8233% | 5,929 |
| Net loans and leases to core deposits | 45.2621% | 5,988 |
| Total domestic deposits to total assets | 89.1173% | 1,168 |
| Equity capital to assets | 9.3045% | 5,028 |
| Core capital (leverage) ratio | 9.2643% | 4,686 |
| Tier 1 risk-based capital ratio | 20.0202% | 1,669 |
| Total risk-based capital ratio | 21.2732% | 1,641 |
| Memoranda: | ||
| Average total assets | $166,604,250 | 3,412 |
| Average earning assets | $159,796,750 | 3,307 |
| Average equity | $14,637,500 | 3,921 |
| Average total loans | $65,735,500 | 4,343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3218% | 5,765 |
| Cost of funding earning assets | 0.2493% | 5,493 |
| Net interest margin | 3.0725% | 5,340 |
| Noninterest income to average assets | 1.0747% | 1,032 |
| Noninterest expense to average assets | 3.0000% | 2,827 |
| Loan and lease loss provision to assets | 0.0143% | 3,971 |
| Net operating income to assets | 0.7255% | 3,693 |
| Return on assets (ROA) | 0.8099% | 3,381 |
| Pretax return on assets | 1.1165% | 3,027 |
| Return on Equity (ROE) | 9.3990% | 2,418 |
| Retained earnings to average equity (ytd only) | 5.2463% | 2,802 |
| Net charge-offs to loans | 0.0092% | 4,091 |
| Credit loss provision to net charge-offs | 400.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 283.6667% | 238 |
| Efficiency ratio | 74.6583% | 2,865 |
| Assets per employee ($millions) | 3.0142% | 5,734 |
| Cash dividends to net income (ytd only)* | 44.1826% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 1,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 37.9571% | 5,960 |
| Net loans and leases to deposits | 41.8038% | 6,073 |
| Net loans and leases to core deposits | 42.0586% | 6,149 |
| Total domestic deposits to total assets | 90.7982% | 473 |
| Equity capital to assets | 8.9654% | 5,337 |
| Core capital (leverage) ratio | 8.8896% | 5,178 |
| Tier 1 risk-based capital ratio | 19.8864% | 1,710 |
| Total risk-based capital ratio | 21.1412% | 1,678 |
| Memoranda: | ||
| Average total assets | $167,667,000 | 3,412 |
| Average earning assets | $160,453,670 | 3,318 |
| Average equity | $14,448,330 | 3,958 |
| Average total loans | $65,497,330 | 4,375 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2923% | 5,858 |
| Cost of funding earning assets | 0.2483% | 5,594 |
| Net interest margin | 3.0440% | 5,402 |
| Noninterest income to average assets | 1.0177% | 1,093 |
| Noninterest expense to average assets | 2.9370% | 3,092 |
| Loan and lease loss provision to assets | 0.0142% | 3,642 |
| Net operating income to assets | 0.7144% | 3,606 |
| Return on assets (ROA) | 0.7473% | 3,519 |
| Pretax return on assets | 1.0201% | 3,253 |
| Return on Equity (ROE) | 8.8477% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.8477% | 1,295 |
| Net charge-offs to loans | -0.0423% | 5,738 |
| Credit loss provision to net charge-offs | -85.7143% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7432% | 3,008 |
| Assets per employee ($millions) | 2.9898% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 1,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.1418% | 6,010 |
| Net loans and leases to deposits | 41.3096% | 6,116 |
| Net loans and leases to core deposits | 41.5611% | 6,175 |
| Total domestic deposits to total assets | 89.9108% | 1,120 |
| Equity capital to assets | 8.6731% | 5,465 |
| Core capital (leverage) ratio | 8.7103% | 5,368 |
| Tier 1 risk-based capital ratio | 19.8859% | 1,751 |
| Total risk-based capital ratio | 21.1381% | 1,711 |
| Memoranda: | ||
| Average total assets | $168,609,500 | 3,432 |
| Average earning assets | $161,101,500 | 3,334 |
| Average equity | $14,241,000 | 4,003 |
| Average total loans | $66,172,000 | 4,383 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1652% | 6,178 |
| Cost of funding earning assets | 0.3507% | 5,127 |
| Net interest margin | 2.8145% | 5,951 |
| Noninterest income to average assets | 1.0444% | 1,289 |
| Noninterest expense to average assets | 2.8621% | 3,486 |
| Loan and lease loss provision to assets | 0.0263% | 4,599 |
| Net operating income to assets | 0.6520% | 4,024 |
| Return on assets (ROA) | 0.6767% | 4,002 |
| Pretax return on assets | 0.8973% | 3,775 |
| Return on Equity (ROE) | 8.3417% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.2825% | 3,127 |
| Net charge-offs to loans | -0.0060% | 5,948 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2065% | 2,741 |
| Assets per employee ($millions) | 2.9275% | 5,946 |
| Cash dividends to net income (ytd only)* | 48.6618% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 2,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 39.8850% | 5,975 |
| Net loans and leases to deposits | 45.4886% | 6,046 |
| Net loans and leases to core deposits | 45.7689% | 6,148 |
| Total domestic deposits to total assets | 87.6815% | 2,374 |
| Equity capital to assets | 8.2224% | 5,854 |
| Core capital (leverage) ratio | 8.3746% | 5,808 |
| Tier 1 risk-based capital ratio | 18.3792% | 2,123 |
| Total risk-based capital ratio | 19.6323% | 2,077 |
| Memoranda: | ||
| Average total assets | $182,206,800 | 3,250 |
| Average earning assets | $175,344,000 | 3,143 |
| Average equity | $14,781,200 | 3,907 |
| Average total loans | $66,689,200 | 4,393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1132% | 6,305 |
| Cost of funding earning assets | 0.3633% | 5,156 |
| Net interest margin | 2.7499% | 6,090 |
| Noninterest income to average assets | 1.0102% | 1,423 |
| Noninterest expense to average assets | 2.8319% | 3,551 |
| Loan and lease loss provision to assets | 0.0302% | 4,402 |
| Net operating income to assets | 0.6121% | 4,301 |
| Return on assets (ROA) | 0.6454% | 4,270 |
| Pretax return on assets | 0.8433% | 4,127 |
| Return on Equity (ROE) | 7.9804% | 3,131 |
| Retained earnings to average equity (ytd only) | 5.3114% | 2,870 |
| Net charge-offs to loans | -0.0302% | 6,167 |
| Credit loss provision to net charge-offs | -280.0000% | 5,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2692% | 2,518 |
| Assets per employee ($millions) | 2.9156% | 5,985 |
| Cash dividends to net income (ytd only)* | 33.4448% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 2,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 38.0182% | 6,174 |
| Net loans and leases to deposits | 41.9088% | 6,312 |
| Net loans and leases to core deposits | 42.1547% | 6,380 |
| Total domestic deposits to total assets | 90.7164% | 647 |
| Equity capital to assets | 8.2477% | 5,957 |
| Core capital (leverage) ratio | 8.1950% | 6,068 |
| Tier 1 risk-based capital ratio | 18.8942% | 2,020 |
| Total risk-based capital ratio | 20.1480% | 1,980 |
| Memoranda: | ||
| Average total assets | $185,310,250 | 3,249 |
| Average earning assets | $178,716,500 | 3,113 |
| Average equity | $14,986,250 | 3,914 |
| Average total loans | $66,128,000 | 4,445 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 6,387 |
| Cost of funding earning assets | 0.3701% | 5,227 |
| Net interest margin | 2.6914% | 6,192 |
| Noninterest income to average assets | 0.9687% | 1,605 |
| Noninterest expense to average assets | 2.7290% | 3,932 |
| Loan and lease loss provision to assets | 0.0379% | 4,190 |
| Net operating income to assets | 0.5982% | 4,290 |
| Return on assets (ROA) | 0.6156% | 4,382 |
| Pretax return on assets | 0.8232% | 4,229 |
| Return on Equity (ROE) | 7.6578% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.6578% | 1,607 |
| Net charge-offs to loans | -0.0576% | 6,315 |
| Credit loss provision to net charge-offs | -189.4737% | 5,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4480% | 2,715 |
| Assets per employee ($millions) | 3.1578% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 2,390 |
| Loan loss allowance to noncurrent loans | 30,375.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,580 |
| Noncurrent loans to loans | 0.0060% | 6,426 |
| Net loans and leases to total assets | 35.2752% | 6,348 |
| Net loans and leases to deposits | 40.1363% | 6,399 |
| Net loans and leases to core deposits | 40.6100% | 6,443 |
| Total domestic deposits to total assets | 87.8886% | 2,323 |
| Equity capital to assets | 7.8674% | 6,285 |
| Core capital (leverage) ratio | 7.6293% | 6,401 |
| Tier 1 risk-based capital ratio | 18.2580% | 2,224 |
| Total risk-based capital ratio | 19.5122% | 2,186 |
| Memoranda: | ||
| Average total assets | $189,739,330 | 3,197 |
| Average earning assets | $183,174,330 | 3,074 |
| Average equity | $15,252,330 | 3,900 |
| Average total loans | $65,965,000 | 4,467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9746% | 6,538 |
| Cost of funding earning assets | 0.3900% | 5,204 |
| Net interest margin | 2.5846% | 6,398 |
| Noninterest income to average assets | 0.9193% | 1,692 |
| Noninterest expense to average assets | 2.6826% | 4,135 |
| Loan and lease loss provision to assets | 0.0376% | 3,961 |
| Net operating income to assets | 0.5077% | 4,616 |
| Return on assets (ROA) | 0.5077% | 4,762 |
| Pretax return on assets | 0.6916% | 4,611 |
| Return on Equity (ROE) | 6.2510% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.2510% | 2,540 |
| Net charge-offs to loans | -0.1344% | 6,559 |
| Credit loss provision to net charge-offs | -81.8182% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5671% | 2,522 |
| Assets per employee ($millions) | 3.3765% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 2,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 31.1780% | 6,554 |
| Net loans and leases to deposits | 34.1308% | 6,632 |
| Net loans and leases to core deposits | 35.3564% | 6,639 |
| Total domestic deposits to total assets | 91.3484% | 397 |
| Equity capital to assets | 7.9433% | 6,412 |
| Core capital (leverage) ratio | 7.2423% | 6,565 |
| Tier 1 risk-based capital ratio | 18.4270% | 2,217 |
| Total risk-based capital ratio | 19.6804% | 2,187 |
| Memoranda: | ||
| Average total assets | $191,453,000 | 3,207 |
| Average earning assets | $184,629,500 | 3,085 |
| Average equity | $15,549,500 | 3,899 |
| Average total loans | $65,479,000 | 4,509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 6,367 |
| Cost of funding earning assets | 0.5389% | 4,919 |
| Net interest margin | 2.9525% | 6,131 |
| Noninterest income to average assets | 0.9704% | 1,631 |
| Noninterest expense to average assets | 2.7575% | 4,187 |
| Loan and lease loss provision to assets | 0.0384% | 5,396 |
| Net operating income to assets | 0.7350% | 3,585 |
| Return on assets (ROA) | 0.7473% | 3,765 |
| Pretax return on assets | 1.0313% | 3,429 |
| Return on Equity (ROE) | 8.7268% | 2,778 |
| Retained earnings to average equity (ytd only) | -1.9947% | 6,155 |
| Net charge-offs to loans | 0.0492% | 5,223 |
| Credit loss provision to net charge-offs | 211.7647% | 1,202 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 612 |
| Efficiency ratio | 72.3172% | 3,357 |
| Assets per employee ($millions) | 3.2253% | 5,570 |
| Cash dividends to net income (ytd only)* | 122.8571% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 2,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.1043% | 6,430 |
| Net loans and leases to deposits | 39.7317% | 6,569 |
| Net loans and leases to core deposits | 41.4911% | 6,564 |
| Total domestic deposits to total assets | 90.8702% | 541 |
| Equity capital to assets | 8.3087% | 6,193 |
| Core capital (leverage) ratio | 7.4870% | 6,509 |
| Tier 1 risk-based capital ratio | 17.2021% | 2,556 |
| Total risk-based capital ratio | 18.4544% | 2,533 |
| Memoranda: | ||
| Average total assets | $187,342,000 | 3,204 |
| Average earning assets | $180,183,600 | 3,087 |
| Average equity | $16,042,600 | 3,766 |
| Average total loans | $69,085,600 | 4,385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5487% | 6,450 |
| Cost of funding earning assets | 0.5679% | 4,935 |
| Net interest margin | 2.9808% | 6,202 |
| Noninterest income to average assets | 0.9704% | 1,597 |
| Noninterest expense to average assets | 2.7333% | 4,243 |
| Loan and lease loss provision to assets | 0.0384% | 5,295 |
| Net operating income to assets | 0.7669% | 3,619 |
| Return on assets (ROA) | 0.7833% | 3,778 |
| Pretax return on assets | 1.0892% | 3,392 |
| Return on Equity (ROE) | 9.0797% | 2,759 |
| Retained earnings to average equity (ytd only) | 4.6264% | 3,643 |
| Net charge-offs to loans | 0.0135% | 5,511 |
| Credit loss provision to net charge-offs | 771.4286% | 362 |
| Earnings coverage of net charge-offs (x) | 221.9303% | 202 |
| Efficiency ratio | 71.1585% | 3,477 |
| Assets per employee ($millions) | 3.2096% | 5,617 |
| Cash dividends to net income (ytd only)* | 49.0463% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7140% | 3,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.3994% | 6,585 |
| Net loans and leases to deposits | 39.1872% | 6,711 |
| Net loans and leases to core deposits | 41.5424% | 6,684 |
| Total domestic deposits to total assets | 90.3340% | 660 |
| Equity capital to assets | 8.7545% | 6,066 |
| Core capital (leverage) ratio | 7.7998% | 6,467 |
| Tier 1 risk-based capital ratio | 18.4377% | 2,188 |
| Total risk-based capital ratio | 19.6902% | 2,153 |
| Memoranda: | ||
| Average total assets | $187,410,250 | 3,240 |
| Average earning assets | $180,304,750 | 3,115 |
| Average equity | $16,167,500 | 3,793 |
| Average total loans | $69,182,000 | 4,424 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 6,445 |
| Cost of funding earning assets | 0.5959% | 4,938 |
| Net interest margin | 3.0363% | 6,159 |
| Noninterest income to average assets | 0.9767% | 1,524 |
| Noninterest expense to average assets | 2.7222% | 4,321 |
| Loan and lease loss provision to assets | 0.0386% | 5,190 |
| Net operating income to assets | 0.8088% | 3,357 |
| Return on assets (ROA) | 0.8332% | 3,492 |
| Pretax return on assets | 1.1694% | 3,047 |
| Return on Equity (ROE) | 9.7064% | 2,481 |
| Retained earnings to average equity (ytd only) | 5.2150% | 3,147 |
| Net charge-offs to loans | -0.0058% | 6,189 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8186% | 3,798 |
| Assets per employee ($millions) | 3.2955% | 5,457 |
| Cash dividends to net income (ytd only)* | 46.2725% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 3,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 33.9610% | 6,726 |
| Net loans and leases to deposits | 37.4302% | 6,827 |
| Net loans and leases to core deposits | 39.3879% | 6,817 |
| Total domestic deposits to total assets | 90.7315% | 549 |
| Equity capital to assets | 8.3808% | 6,318 |
| Core capital (leverage) ratio | 7.8184% | 6,438 |
| Tier 1 risk-based capital ratio | 18.1404% | 2,249 |
| Total risk-based capital ratio | 19.3923% | 2,218 |
| Memoranda: | ||
| Average total assets | $186,758,670 | 3,255 |
| Average earning assets | $179,558,670 | 3,138 |
| Average equity | $16,030,670 | 3,799 |
| Average total loans | $69,508,330 | 4,434 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7389% | 6,373 |
| Cost of funding earning assets | 0.6417% | 4,806 |
| Net interest margin | 3.0971% | 6,051 |
| Noninterest income to average assets | 1.0343% | 1,348 |
| Noninterest expense to average assets | 2.7465% | 4,258 |
| Loan and lease loss provision to assets | 0.0394% | 4,894 |
| Net operating income to assets | 0.8629% | 3,091 |
| Return on assets (ROA) | 0.9119% | 3,084 |
| Pretax return on assets | 1.2945% | 2,560 |
| Return on Equity (ROE) | 10.4916% | 2,237 |
| Retained earnings to average equity (ytd only) | 5.9628% | 2,981 |
| Net charge-offs to loans | 0.0962% | 3,565 |
| Credit loss provision to net charge-offs | 105.8824% | 2,185 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 837 |
| Efficiency ratio | 68.4297% | 4,085 |
| Assets per employee ($millions) | 3.3856% | 5,377 |
| Cash dividends to net income (ytd only)* | 43.1655% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,536 |
| Loan loss allowance to noncurrent loans | 10,209.0909% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,926 |
| Noncurrent loans to loans | 0.0162% | 6,741 |
| Net loans and leases to total assets | 35.2893% | 6,674 |
| Net loans and leases to deposits | 38.8225% | 6,792 |
| Net loans and leases to core deposits | 39.9840% | 6,816 |
| Total domestic deposits to total assets | 90.8989% | 601 |
| Equity capital to assets | 8.3880% | 6,188 |
| Core capital (leverage) ratio | 7.8371% | 6,387 |
| Tier 1 risk-based capital ratio | 18.0033% | 2,288 |
| Total risk-based capital ratio | 19.2551% | 2,262 |
| Memoranda: | ||
| Average total assets | $182,922,000 | 3,335 |
| Average earning assets | $175,775,500 | 3,216 |
| Average equity | $15,898,500 | 3,830 |
| Average total loans | $70,667,000 | 4,426 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 5,955 |
| Cost of funding earning assets | 0.8524% | 4,459 |
| Net interest margin | 3.3832% | 5,533 |
| Noninterest income to average assets | 0.9949% | 1,382 |
| Noninterest expense to average assets | 2.9304% | 3,843 |
| Loan and lease loss provision to assets | 0.0679% | 5,760 |
| Net operating income to assets | 0.8782% | 2,702 |
| Return on assets (ROA) | 0.9083% | 2,691 |
| Pretax return on assets | 1.2824% | 2,198 |
| Return on Equity (ROE) | 10.4801% | 1,880 |
| Retained earnings to average equity (ytd only) | 5.7787% | 2,137 |
| Net charge-offs to loans | 0.0396% | 5,915 |
| Credit loss provision to net charge-offs | 428.5714% | 530 |
| Earnings coverage of net charge-offs (x) | 82.5357% | 354 |
| Efficiency ratio | 69.0880% | 4,133 |
| Assets per employee ($millions) | 3.1473% | 5,812 |
| Cash dividends to net income (ytd only)* | 44.8598% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,884 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 6,807 |
| Noncurrent loans to loans | 0.0150% | 6,801 |
| Net loans and leases to total assets | 40.9547% | 6,467 |
| Net loans and leases to deposits | 45.3984% | 6,653 |
| Net loans and leases to core deposits | 46.5988% | 6,712 |
| Total domestic deposits to total assets | 90.2117% | 874 |
| Equity capital to assets | 9.0178% | 5,534 |
| Core capital (leverage) ratio | 8.1966% | 6,008 |
| Tier 1 risk-based capital ratio | 17.4798% | 2,392 |
| Total risk-based capital ratio | 18.7314% | 2,355 |
| Memoranda: | ||
| Average total assets | $176,697,800 | 3,386 |
| Average earning assets | $169,394,600 | 3,260 |
| Average equity | $15,314,800 | 3,849 |
| Average total loans | $70,725,600 | 4,463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 5,963 |
| Cost of funding earning assets | 0.8887% | 4,480 |
| Net interest margin | 3.4069% | 5,550 |
| Noninterest income to average assets | 0.9901% | 1,364 |
| Noninterest expense to average assets | 2.8784% | 4,021 |
| Loan and lease loss provision to assets | 0.0679% | 5,605 |
| Net operating income to assets | 0.9256% | 2,647 |
| Return on assets (ROA) | 0.9652% | 2,626 |
| Pretax return on assets | 1.3702% | 2,038 |
| Return on Equity (ROE) | 11.2500% | 1,779 |
| Retained earnings to average equity (ytd only) | 6.5039% | 2,243 |
| Net charge-offs to loans | 0.0190% | 5,889 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 183.2416% | 210 |
| Efficiency ratio | 67.5164% | 4,416 |
| Assets per employee ($millions) | 3.1552% | 5,771 |
| Cash dividends to net income (ytd only)* | 42.1875% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 3,671 |
| Loan loss allowance to noncurrent loans | 8,538.4615% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,901 |
| Noncurrent loans to loans | 0.0187% | 6,898 |
| Net loans and leases to total assets | 38.6453% | 6,732 |
| Net loans and leases to deposits | 42.9214% | 6,877 |
| Net loans and leases to core deposits | 44.0546% | 6,920 |
| Total domestic deposits to total assets | 90.0373% | 849 |
| Equity capital to assets | 9.0475% | 5,692 |
| Core capital (leverage) ratio | 8.1408% | 6,228 |
| Tier 1 risk-based capital ratio | 18.0060% | 2,251 |
| Total risk-based capital ratio | 19.2577% | 2,211 |
| Memoranda: | ||
| Average total assets | $176,809,500 | 3,396 |
| Average earning assets | $169,691,000 | 3,258 |
| Average equity | $15,170,000 | 3,884 |
| Average total loans | $70,080,750 | 4,523 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 5,892 |
| Cost of funding earning assets | 0.9300% | 4,453 |
| Net interest margin | 3.4051% | 5,538 |
| Noninterest income to average assets | 0.9658% | 1,414 |
| Noninterest expense to average assets | 2.9189% | 3,947 |
| Loan and lease loss provision to assets | 0.0679% | 5,457 |
| Net operating income to assets | 0.8864% | 2,706 |
| Return on assets (ROA) | 0.9081% | 2,708 |
| Pretax return on assets | 1.2768% | 2,220 |
| Return on Equity (ROE) | 10.7800% | 1,875 |
| Retained earnings to average equity (ytd only) | 5.9471% | 2,467 |
| Net charge-offs to loans | 0.0284% | 5,434 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 116.2000% | 304 |
| Efficiency ratio | 68.9020% | 4,341 |
| Assets per employee ($millions) | 3.1268% | 5,815 |
| Cash dividends to net income (ytd only)* | 44.8319% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 3,822 |
| Loan loss allowance to noncurrent loans | 9,000.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 6,955 |
| Noncurrent loans to loans | 0.0174% | 6,952 |
| Net loans and leases to total assets | 37.9876% | 6,860 |
| Net loans and leases to deposits | 42.2085% | 6,983 |
| Net loans and leases to core deposits | 43.3079% | 7,030 |
| Total domestic deposits to total assets | 89.9999% | 977 |
| Equity capital to assets | 8.7085% | 5,935 |
| Core capital (leverage) ratio | 7.8008% | 6,512 |
| Tier 1 risk-based capital ratio | 17.5657% | 2,317 |
| Total risk-based capital ratio | 18.8168% | 2,285 |
| Memoranda: | ||
| Average total assets | $176,849,670 | 3,418 |
| Average earning assets | $169,686,330 | 3,280 |
| Average equity | $14,898,000 | 3,924 |
| Average total loans | $70,310,330 | 4,567 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 6,050 |
| Cost of funding earning assets | 0.9699% | 4,422 |
| Net interest margin | 3.3165% | 5,719 |
| Noninterest income to average assets | 0.9287% | 1,549 |
| Noninterest expense to average assets | 2.9337% | 3,925 |
| Loan and lease loss provision to assets | 0.0681% | 5,140 |
| Net operating income to assets | 0.8061% | 2,996 |
| Return on assets (ROA) | 0.8061% | 3,061 |
| Pretax return on assets | 1.1104% | 2,724 |
| Return on Equity (ROE) | 9.7350% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.7990% | 3,304 |
| Net charge-offs to loans | 0.0788% | 4,151 |
| Credit loss provision to net charge-offs | 214.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | 37.0714% | 720 |
| Efficiency ratio | 71.2866% | 3,992 |
| Assets per employee ($millions) | 3.0521% | 6,048 |
| Cash dividends to net income (ytd only)* | 50.7042% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 4,059 |
| Loan loss allowance to noncurrent loans | 1,149.4505% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 7,035 |
| Noncurrent loans to loans | 0.1330% | 6,714 |
| Net loans and leases to total assets | 38.0685% | 6,898 |
| Net loans and leases to deposits | 41.8143% | 7,031 |
| Net loans and leases to core deposits | 43.0041% | 7,074 |
| Total domestic deposits to total assets | 91.0418% | 608 |
| Equity capital to assets | 8.2927% | 6,169 |
| Core capital (leverage) ratio | 7.6246% | 6,628 |
| Tier 1 risk-based capital ratio | 17.3676% | 2,349 |
| Total risk-based capital ratio | 18.6190% | 2,322 |
| Memoranda: | ||
| Average total assets | $176,160,000 | 3,448 |
| Average earning assets | $169,091,500 | 3,312 |
| Average equity | $14,586,500 | 3,977 |
| Average total loans | $71,073,000 | 4,582 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 5,856 |
| Cost of funding earning assets | 1.1341% | 4,941 |
| Net interest margin | 3.5488% | 5,042 |
| Noninterest income to average assets | 1.0511% | 1,353 |
| Noninterest expense to average assets | 3.1092% | 3,415 |
| Loan and lease loss provision to assets | 0.0363% | 6,794 |
| Net operating income to assets | 0.9424% | 2,230 |
| Return on assets (ROA) | 0.9472% | 2,339 |
| Pretax return on assets | 1.3092% | 1,907 |
| Return on Equity (ROE) | 10.9648% | 1,600 |
| Retained earnings to average equity (ytd only) | 5.9267% | 1,860 |
| Net charge-offs to loans | 0.0920% | 5,927 |
| Credit loss provision to net charge-offs | 96.7742% | 4,799 |
| Earnings coverage of net charge-offs (x) | 35.7258% | 639 |
| Efficiency ratio | 69.5475% | 4,273 |
| Assets per employee ($millions) | 3.0224% | 6,050 |
| Cash dividends to net income (ytd only)* | 45.9477% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 4,521 |
| Loan loss allowance to noncurrent loans | 1,131.8681% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 7,039 |
| Noncurrent loans to loans | 0.1235% | 6,829 |
| Net loans and leases to total assets | 41.4611% | 6,876 |
| Net loans and leases to deposits | 46.5524% | 7,020 |
| Net loans and leases to core deposits | 47.9192% | 7,073 |
| Total domestic deposits to total assets | 89.0631% | 1,617 |
| Equity capital to assets | 8.2677% | 6,184 |
| Core capital (leverage) ratio | 7.7249% | 6,521 |
| Tier 1 risk-based capital ratio | 16.6012% | 2,495 |
| Total risk-based capital ratio | 17.8516% | 2,466 |
| Memoranda: | ||
| Average total assets | $165,443,600 | 3,610 |
| Average earning assets | $158,361,800 | 3,477 |
| Average equity | $14,291,200 | 4,077 |
| Average total loans | $67,389,600 | 4,775 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7571% | 5,829 |
| Cost of funding earning assets | 1.1698% | 5,034 |
| Net interest margin | 3.5873% | 4,937 |
| Noninterest income to average assets | 1.0455% | 1,320 |
| Noninterest expense to average assets | 3.1430% | 3,131 |
| Loan and lease loss provision to assets | 0.0368% | 6,713 |
| Net operating income to assets | 0.9432% | 2,442 |
| Return on assets (ROA) | 0.9498% | 2,546 |
| Pretax return on assets | 1.3089% | 2,143 |
| Return on Equity (ROE) | 10.8699% | 1,831 |
| Retained earnings to average equity (ytd only) | 5.8142% | 2,470 |
| Net charge-offs to loans | 0.0446% | 6,092 |
| Credit loss provision to net charge-offs | 204.5455% | 1,735 |
| Earnings coverage of net charge-offs (x) | 74.2792% | 409 |
| Efficiency ratio | 69.8137% | 4,107 |
| Assets per employee ($millions) | 2.8900% | 6,397 |
| Cash dividends to net income (ytd only)* | 46.5115% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5691% | 3,660 |
| Loan loss allowance to noncurrent loans | 1,172.2222% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 7,215 |
| Noncurrent loans to loans | 0.1339% | 6,911 |
| Net loans and leases to total assets | 38.8136% | 7,138 |
| Net loans and leases to deposits | 42.9660% | 7,274 |
| Net loans and leases to core deposits | 44.4314% | 7,304 |
| Total domestic deposits to total assets | 90.3355% | 704 |
| Equity capital to assets | 8.7496% | 5,938 |
| Core capital (leverage) ratio | 7.8328% | 6,538 |
| Tier 1 risk-based capital ratio | 17.5441% | 2,160 |
| Total risk-based capital ratio | 18.7955% | 2,132 |
| Memoranda: | ||
| Average total assets | $162,980,250 | 3,695 |
| Average earning assets | $156,029,750 | 3,571 |
| Average equity | $14,240,750 | 4,150 |
| Average total loans | $65,809,500 | 4,915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 5,751 |
| Cost of funding earning assets | 1.1920% | 5,174 |
| Net interest margin | 3.6204% | 4,732 |
| Noninterest income to average assets | 1.0220% | 1,310 |
| Noninterest expense to average assets | 3.1482% | 3,102 |
| Loan and lease loss provision to assets | 0.0374% | 6,585 |
| Net operating income to assets | 0.9459% | 2,384 |
| Return on assets (ROA) | 0.9559% | 2,429 |
| Pretax return on assets | 1.3136% | 2,050 |
| Return on Equity (ROE) | 10.9457% | 1,771 |
| Retained earnings to average equity (ytd only) | 5.8082% | 2,441 |
| Net charge-offs to loans | 0.0214% | 6,041 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | 153.2857% | 228 |
| Efficiency ratio | 69.8250% | 4,220 |
| Assets per employee ($millions) | 2.7928% | 6,584 |
| Cash dividends to net income (ytd only)* | 46.9361% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 40.7454% | 7,117 |
| Net loans and leases to deposits | 45.2418% | 7,282 |
| Net loans and leases to core deposits | 46.8890% | 7,322 |
| Total domestic deposits to total assets | 90.0614% | 897 |
| Equity capital to assets | 9.0101% | 5,434 |
| Core capital (leverage) ratio | 8.1157% | 6,094 |
| Tier 1 risk-based capital ratio | 17.2332% | 2,187 |
| Total risk-based capital ratio | 18.4846% | 2,154 |
| Memoranda: | ||
| Average total assets | $160,470,330 | 3,781 |
| Average earning assets | $153,518,330 | 3,646 |
| Average equity | $14,014,670 | 4,194 |
| Average total loans | $65,334,000 | 4,965 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8528% | 5,679 |
| Cost of funding earning assets | 1.2021% | 5,396 |
| Net interest margin | 3.6507% | 4,484 |
| Noninterest income to average assets | 0.9642% | 1,407 |
| Noninterest expense to average assets | 3.1882% | 2,918 |
| Loan and lease loss provision to assets | 0.0376% | 6,299 |
| Net operating income to assets | 0.9041% | 2,527 |
| Return on assets (ROA) | 0.9041% | 2,596 |
| Pretax return on assets | 1.2297% | 2,265 |
| Return on Equity (ROE) | 10.5213% | 1,938 |
| Retained earnings to average equity (ytd only) | 5.2752% | 2,998 |
| Net charge-offs to loans | -0.0186% | 7,059 |
| Credit loss provision to net charge-offs | -500.0000% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2198% | 4,081 |
| Assets per employee ($millions) | 2.8567% | 6,521 |
| Cash dividends to net income (ytd only)* | 49.8615% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 7,479 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 39.1029% | 7,303 |
| Net loans and leases to deposits | 43.1458% | 7,425 |
| Net loans and leases to core deposits | 44.6101% | 7,469 |
| Total domestic deposits to total assets | 90.6296% | 684 |
| Equity capital to assets | 8.5708% | 5,910 |
| Core capital (leverage) ratio | 7.9898% | 6,258 |
| Tier 1 risk-based capital ratio | 17.1780% | 2,207 |
| Total risk-based capital ratio | 18.4308% | 2,157 |
| Memoranda: | ||
| Average total assets | $159,713,500 | 3,851 |
| Average earning assets | $152,736,500 | 3,709 |
| Average equity | $13,724,500 | 4,308 |
| Average total loans | $64,473,000 | 5,065 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2934% | 5,205 |
| Cost of funding earning assets | 1.4314% | 5,799 |
| Net interest margin | 3.8621% | 3,427 |
| Noninterest income to average assets | 1.1021% | 1,263 |
| Noninterest expense to average assets | 3.3412% | 2,869 |
| Loan and lease loss provision to assets | 0.0403% | 7,147 |
| Net operating income to assets | 1.0358% | 1,717 |
| Return on assets (ROA) | 1.0348% | 1,765 |
| Pretax return on assets | 1.4040% | 1,429 |
| Return on Equity (ROE) | 11.6796% | 1,239 |
| Retained earnings to average equity (ytd only) | 0.2960% | 4,743 |
| Net charge-offs to loans | 0.1703% | 5,580 |
| Credit loss provision to net charge-offs | 59.4059% | 6,648 |
| Earnings coverage of net charge-offs (x) | 21.2871% | 1,003 |
| Efficiency ratio | 69.4339% | 4,741 |
| Assets per employee ($millions) | 2.6999% | 6,856 |
| Cash dividends to net income (ytd only)* | 97.4659% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6069% | 3,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 40.3538% | 7,333 |
| Net loans and leases to deposits | 44.4357% | 7,496 |
| Net loans and leases to core deposits | 50.2809% | 7,583 |
| Total domestic deposits to total assets | 90.8139% | 609 |
| Equity capital to assets | 8.6165% | 5,708 |
| Core capital (leverage) ratio | 8.2364% | 5,757 |
| Tier 1 risk-based capital ratio | 16.8001% | 2,205 |
| Total risk-based capital ratio | 18.0518% | 2,176 |
| Memoranda: | ||
| Average total assets | $148,717,800 | 3,976 |
| Average earning assets | $141,893,200 | 3,861 |
| Average equity | $13,176,800 | 4,464 |
| Average total loans | $59,318,200 | 5,281 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 5,134 |
| Cost of funding earning assets | 1.4766% | 5,929 |
| Net interest margin | 3.8823% | 3,295 |
| Noninterest income to average assets | 1.1275% | 1,238 |
| Noninterest expense to average assets | 3.3953% | 2,591 |
| Loan and lease loss provision to assets | 0.0409% | 6,958 |
| Net operating income to assets | 1.0344% | 1,953 |
| Return on assets (ROA) | 1.0330% | 2,021 |
| Pretax return on assets | 1.3946% | 1,710 |
| Return on Equity (ROE) | 11.5742% | 1,472 |
| Retained earnings to average equity (ytd only) | -3.6952% | 6,060 |
| Net charge-offs to loans | 0.2111% | 4,710 |
| Credit loss provision to net charge-offs | 48.9130% | 6,325 |
| Earnings coverage of net charge-offs (x) | 17.1962% | 1,420 |
| Efficiency ratio | 69.9004% | 4,614 |
| Assets per employee ($millions) | 2.6756% | 6,901 |
| Cash dividends to net income (ytd only)* | 131.9263% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 2,731 |
| Loan loss allowance to noncurrent loans | 10,260.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 7,586 |
| Noncurrent loans to loans | 0.0163% | 7,487 |
| Net loans and leases to total assets | 39.5990% | 7,481 |
| Net loans and leases to deposits | 44.5162% | 7,606 |
| Net loans and leases to core deposits | 50.5047% | 7,675 |
| Total domestic deposits to total assets | 88.9541% | 1,215 |
| Equity capital to assets | 8.7628% | 5,862 |
| Core capital (leverage) ratio | 8.1124% | 6,170 |
| Tier 1 risk-based capital ratio | 17.1773% | 2,223 |
| Total risk-based capital ratio | 18.4305% | 2,165 |
| Memoranda: | ||
| Average total assets | $146,748,500 | 4,026 |
| Average earning assets | $140,051,750 | 3,925 |
| Average equity | $13,097,750 | 4,510 |
| Average total loans | $58,091,750 | 5,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4539% | 4,875 |
| Cost of funding earning assets | 1.5094% | 6,103 |
| Net interest margin | 3.9445% | 2,910 |
| Noninterest income to average assets | 1.1420% | 1,203 |
| Noninterest expense to average assets | 3.4772% | 2,411 |
| Loan and lease loss provision to assets | 0.0414% | 6,822 |
| Net operating income to assets | 1.0343% | 1,992 |
| Return on assets (ROA) | 1.0343% | 2,070 |
| Pretax return on assets | 1.3837% | 1,774 |
| Return on Equity (ROE) | 11.5151% | 1,558 |
| Retained earnings to average equity (ytd only) | -11.5459% | 7,015 |
| Net charge-offs to loans | 0.3018% | 3,679 |
| Credit loss provision to net charge-offs | 34.8837% | 5,968 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,852 |
| Efficiency ratio | 70.5634% | 4,667 |
| Assets per employee ($millions) | 2.4591% | 7,327 |
| Cash dividends to net income (ytd only)* | 200.2670% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7160% | 2,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 7,582 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.1478% | 7,543 |
| Net loans and leases to deposits | 44.2174% | 7,694 |
| Net loans and leases to core deposits | 48.5343% | 7,788 |
| Total domestic deposits to total assets | 90.7964% | 524 |
| Equity capital to assets | 8.5902% | 5,913 |
| Core capital (leverage) ratio | 8.0327% | 6,268 |
| Tier 1 risk-based capital ratio | 17.2053% | 2,230 |
| Total risk-based capital ratio | 18.4589% | 2,172 |
| Memoranda: | ||
| Average total assets | $144,828,330 | 4,088 |
| Average earning assets | $138,065,330 | 3,990 |
| Average equity | $13,009,000 | 4,536 |
| Average total loans | $56,983,000 | 5,468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4747% | 5,045 |
| Cost of funding earning assets | 1.5613% | 6,194 |
| Net interest margin | 3.9134% | 2,998 |
| Noninterest income to average assets | 1.0698% | 1,298 |
| Noninterest expense to average assets | 3.3310% | 2,565 |
| Loan and lease loss provision to assets | 0.0415% | 6,450 |
| Net operating income to assets | 1.0670% | 2,075 |
| Return on assets (ROA) | 1.0670% | 2,208 |
| Pretax return on assets | 1.4319% | 1,879 |
| Return on Equity (ROE) | 11.6248% | 1,782 |
| Retained earnings to average equity (ytd only) | 11.6248% | 864 |
| Net charge-offs to loans | 0.4656% | 2,285 |
| Credit loss provision to net charge-offs | 23.0769% | 5,038 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,229 |
| Efficiency ratio | 68.9873% | 4,777 |
| Assets per employee ($millions) | 2.4269% | 7,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8678% | 1,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 7,516 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.9107% | 7,697 |
| Net loans and leases to deposits | 40.9406% | 7,814 |
| Net loans and leases to core deposits | 45.1063% | 7,885 |
| Total domestic deposits to total assets | 90.1567% | 727 |
| Equity capital to assets | 9.3235% | 4,903 |
| Core capital (leverage) ratio | 8.8145% | 4,957 |
| Tier 1 risk-based capital ratio | 19.9963% | 1,625 |
| Total risk-based capital ratio | 21.2510% | 1,576 |
| Memoranda: | ||
| Average total assets | $144,700,500 | 4,100 |
| Average earning assets | $138,088,500 | 3,995 |
| Average equity | $13,282,000 | 4,514 |
| Average total loans | $55,842,000 | 5,546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7496% | 6,599 |
| Cost of funding earning assets | 2.0918% | 6,090 |
| Net interest margin | 3.6578% | 4,648 |
| Noninterest income to average assets | 1.1720% | 1,123 |
| Noninterest expense to average assets | 3.4059% | 2,659 |
| Loan and lease loss provision to assets | 0.0411% | 6,899 |
| Net operating income to assets | 0.9268% | 2,887 |
| Return on assets (ROA) | 0.9268% | 2,741 |
| Pretax return on assets | 1.2036% | 2,623 |
| Return on Equity (ROE) | 11.2786% | 1,821 |
| Retained earnings to average equity (ytd only) | 11.2786% | 292 |
| Net charge-offs to loans | 0.0956% | 5,371 |
| Credit loss provision to net charge-offs | 109.0909% | 4,931 |
| Earnings coverage of net charge-offs (x) | 33.0364% | 1,092 |
| Efficiency ratio | 72.8531% | 3,778 |
| Assets per employee ($millions) | 2.4791% | 7,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 1,454 |
| Loan loss allowance to noncurrent loans | 1,650.7692% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 7,405 |
| Noncurrent loans to loans | 0.1142% | 7,076 |
| Net loans and leases to total assets | 38.8358% | 7,724 |
| Net loans and leases to deposits | 42.8677% | 7,880 |
| Net loans and leases to core deposits | 47.0978% | 7,942 |
| Total domestic deposits to total assets | 90.5946% | 454 |
| Equity capital to assets | 9.0326% | 5,329 |
| Core capital (leverage) ratio | 8.6572% | 5,271 |
| Tier 1 risk-based capital ratio | 19.0058% | 1,812 |
| Total risk-based capital ratio | 20.2516% | 1,771 |
| Memoranda: | ||
| Average total assets | $145,983,600 | 3,974 |
| Average earning assets | $138,827,400 | 3,872 |
| Average equity | $11,996,200 | 4,826 |
| Average total loans | $57,543,200 | 5,381 |