Home > The Citizens National Bank of Park Rapids > Performance and Condition Ratios
The Citizens National Bank of Park Rapids, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 1,987 |
| Cost of funding earning assets | 1.5543% | 1,801 |
| Net interest margin | 3.4892% | 2,212 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2283% | 3,048 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2629% | 1,513 |
| Return on assets (ROA) | 1.2475% | 1,518 |
| Pretax return on assets | 1.3893% | 1,661 |
| Return on Equity (ROE) | 12.1200% | 1,924 |
| Retained earnings to average equity (ytd only) | 4.5473% | 2,774 |
| Net charge-offs to loans | 0.0096% | 2,295 |
| Credit loss provision to net charge-offs | 1,111.1111% | 378 |
| Earnings coverage of net charge-offs (x) | 190.7778% | 604 |
| Efficiency ratio | 59.8738% | 3,093 |
| Assets per employee ($millions) | 7.0200% | 2,057 |
| Cash dividends to net income (ytd only)* | 62.4680% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 763 |
| Loan loss allowance to noncurrent loans | 1,102.3529% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 2,719 |
| Noncurrent loans to loans | 0.1496% | 2,764 |
| Net loans and leases to total assets | 81.2500% | 509 |
| Net loans and leases to deposits | 96.0517% | 782 |
| Net loans and leases to core deposits | 110.2409% | 956 |
| Total domestic deposits to total assets | 84.5900% | 2,439 |
| Equity capital to assets | 10.9131% | 1,516 |
| Core capital (leverage) ratio | 11.2478% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $344,921,400 | 2,209 |
| Average earning assets | $330,564,600 | 2,174 |
| Average equity | $35,515,200 | 2,036 |
| Average total loans | $279,890,800 | 1,873 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 2,068 |
| Cost of funding earning assets | 1.4225% | 1,802 |
| Net interest margin | 3.4739% | 2,269 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.1539% | 3,203 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2683% | 1,613 |
| Return on assets (ROA) | 1.2485% | 1,647 |
| Pretax return on assets | 1.4316% | 1,711 |
| Return on Equity (ROE) | 12.3100% | 2,048 |
| Retained earnings to average equity (ytd only) | 2.0718% | 3,714 |
| Net charge-offs to loans | -0.0158% | 4,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2898% | 3,170 |
| Assets per employee ($millions) | 7.1488% | 1,848 |
| Cash dividends to net income (ytd only)* | 83.1683% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6345% | 817 |
| Loan loss allowance to noncurrent loans | 293.1576% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 1,285 |
| Noncurrent loans to loans | 0.5576% | 1,433 |
| Net loans and leases to total assets | 80.2300% | 613 |
| Net loans and leases to deposits | 94.0107% | 893 |
| Net loans and leases to core deposits | 105.8514% | 1,021 |
| Total domestic deposits to total assets | 85.3400% | 2,401 |
| Equity capital to assets | 10.1344% | 1,751 |
| Core capital (leverage) ratio | 10.9148% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $345,156,750 | 2,220 |
| Average earning assets | $330,766,500 | 2,180 |
| Average equity | $35,009,250 | 2,048 |
| Average total loans | $278,823,250 | 1,881 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 2,141 |
| Cost of funding earning assets | 1.2791% | 1,768 |
| Net interest margin | 3.4530% | 2,380 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1663% | 3,178 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2274% | 1,757 |
| Return on assets (ROA) | 1.1979% | 1,829 |
| Pretax return on assets | 1.3906% | 1,838 |
| Return on Equity (ROE) | 11.8100% | 2,211 |
| Retained earnings to average equity (ytd only) | -0.3157% | 4,144 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.8887% | 3,088 |
| Assets per employee ($millions) | 7.6081% | 1,538 |
| Cash dividends to net income (ytd only)* | 102.6738% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 913 |
| Loan loss allowance to noncurrent loans | 910.5788% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,570 |
| Noncurrent loans to loans | 0.1768% | 2,595 |
| Net loans and leases to total assets | 77.9500% | 840 |
| Net loans and leases to deposits | 91.4805% | 1,065 |
| Net loans and leases to core deposits | 102.5615% | 1,111 |
| Total domestic deposits to total assets | 85.2100% | 2,483 |
| Equity capital to assets | 9.7382% | 2,006 |
| Core capital (leverage) ratio | 10.7764% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $343,445,333 | 2,226 |
| Average earning assets | $329,448,000 | 2,191 |
| Average equity | $34,845,667 | 2,065 |
| Average total loans | $276,526,667 | 1,879 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 2,174 |
| Cost of funding earning assets | 1.0390% | 1,919 |
| Net interest margin | 3.5171% | 2,317 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.1286% | 3,311 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3263% | 1,600 |
| Return on assets (ROA) | 1.2652% | 1,733 |
| Pretax return on assets | 1.4531% | 1,760 |
| Return on Equity (ROE) | 12.2100% | 2,164 |
| Retained earnings to average equity (ytd only) | 3.3967% | 3,411 |
| Net charge-offs to loans | 0.0161% | 1,370 |
| Credit loss provision to net charge-offs | 681.8182% | 465 |
| Earnings coverage of net charge-offs (x) | 123.2727% | 696 |
| Efficiency ratio | 56.8976% | 3,312 |
| Assets per employee ($millions) | 7.2278% | 1,800 |
| Cash dividends to net income (ytd only)* | 72.1805% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 929 |
| Loan loss allowance to noncurrent loans | 867.4419% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,452 |
| Noncurrent loans to loans | 0.1889% | 2,528 |
| Net loans and leases to total assets | 79.0800% | 631 |
| Net loans and leases to deposits | 93.7382% | 804 |
| Net loans and leases to core deposits | 104.8599% | 884 |
| Total domestic deposits to total assets | 84.3700% | 3,006 |
| Equity capital to assets | 10.3943% | 1,617 |
| Core capital (leverage) ratio | 11.3279% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $336,376,500 | 2,284 |
| Average earning assets | $322,994,000 | 2,243 |
| Average equity | $34,857,500 | 2,085 |
| Average total loans | $273,133,000 | 1,915 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 1,210 |
| Cost of funding earning assets | 0.4012% | 2,091 |
| Net interest margin | 3.8184% | 1,125 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2240% | 2,962 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.6218% | 651 |
| Return on assets (ROA) | 1.6183% | 631 |
| Pretax return on assets | 1.7734% | 779 |
| Return on Equity (ROE) | 16.3700% | 984 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,547 |
| Net charge-offs to loans | -0.0269% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.3817% | 3,765 |
| Assets per employee ($millions) | 6.7969% | 2,120 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 945 |
| Loan loss allowance to noncurrent loans | 1,151.9582% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,718 |
| Noncurrent loans to loans | 0.1402% | 2,810 |
| Net loans and leases to total assets | 80.6900% | 529 |
| Net loans and leases to deposits | 91.7536% | 926 |
| Net loans and leases to core deposits | 101.5072% | 923 |
| Total domestic deposits to total assets | 87.9400% | 2,088 |
| Equity capital to assets | 10.3303% | 1,543 |
| Core capital (leverage) ratio | 10.9321% | 1,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $339,297,400 | 2,263 |
| Average earning assets | $325,503,000 | 2,216 |
| Average equity | $33,549,400 | 2,181 |
| Average total loans | $260,462,000 | 1,894 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 1,071 |
| Cost of funding earning assets | 0.3007% | 1,708 |
| Net interest margin | 3.6236% | 1,035 |
| Noninterest income to average assets | 0.4089% | 2,700 |
| Noninterest expense to average assets | 2.1540% | 2,983 |
| Loan and lease loss provision to assets | 0.0884% | 1,113 |
| Net operating income to assets | 1.4358% | 823 |
| Return on assets (ROA) | 1.4358% | 806 |
| Pretax return on assets | 1.6526% | 842 |
| Return on Equity (ROE) | 14.5140% | 996 |
| Retained earnings to average equity (ytd only) | 2.6145% | 3,576 |
| Net charge-offs to loans | -0.0253% | 3,981 |
| Credit loss provision to net charge-offs | -468.7500% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3018% | 3,844 |
| Assets per employee ($millions) | 7.3246% | 1,720 |
| Cash dividends to net income (ytd only)* | 81.9860% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,103 |
| Loan loss allowance to noncurrent loans | 998.3452% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 2,849 |
| Noncurrent loans to loans | 0.1623% | 2,883 |
| Net loans and leases to total assets | 74.4575% | 868 |
| Net loans and leases to deposits | 82.9510% | 1,187 |
| Net loans and leases to core deposits | 91.3756% | 1,045 |
| Total domestic deposits to total assets | 89.7609% | 1,816 |
| Equity capital to assets | 9.5013% | 2,013 |
| Core capital (leverage) ratio | 10.2151% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,468,667 | 2,292 |
| Average earning assets | $326,581,000 | 2,242 |
| Average equity | $33,581,333 | 2,254 |
| Average total loans | $253,184,000 | 1,930 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7646% | 1,152 |
| Cost of funding earning assets | 0.2956% | 1,695 |
| Net interest margin | 3.4689% | 1,143 |
| Noninterest income to average assets | 0.3691% | 2,878 |
| Noninterest expense to average assets | 2.0447% | 3,317 |
| Loan and lease loss provision to assets | 0.0890% | 929 |
| Net operating income to assets | 1.5178% | 604 |
| Return on assets (ROA) | 1.5178% | 596 |
| Pretax return on assets | 1.5771% | 869 |
| Return on Equity (ROE) | 15.0393% | 647 |
| Retained earnings to average equity (ytd only) | 6.0087% | 2,252 |
| Net charge-offs to loans | -0.0337% | 4,131 |
| Credit loss provision to net charge-offs | -357.1429% | 3,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1007% | 3,964 |
| Assets per employee ($millions) | 7.0185% | 1,986 |
| Cash dividends to net income (ytd only)* | 60.0469% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 1,105 |
| Loan loss allowance to noncurrent loans | 1,238.9222% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 2,981 |
| Noncurrent loans to loans | 0.1347% | 3,135 |
| Net loans and leases to total assets | 72.3557% | 800 |
| Net loans and leases to deposits | 80.9802% | 1,077 |
| Net loans and leases to core deposits | 90.5134% | 900 |
| Total domestic deposits to total assets | 89.3498% | 1,903 |
| Equity capital to assets | 9.9449% | 1,937 |
| Core capital (leverage) ratio | 10.5112% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,074,000 | 2,313 |
| Average earning assets | $324,709,500 | 2,265 |
| Average equity | $34,017,500 | 2,284 |
| Average total loans | $249,501,500 | 1,941 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 1,378 |
| Cost of funding earning assets | 0.3753% | 1,716 |
| Net interest margin | 3.6155% | 1,424 |
| Noninterest income to average assets | 0.7250% | 1,677 |
| Noninterest expense to average assets | 2.4875% | 2,218 |
| Loan and lease loss provision to assets | 0.1136% | 1,109 |
| Net operating income to assets | 1.6077% | 781 |
| Return on assets (ROA) | 1.6077% | 818 |
| Pretax return on assets | 1.6077% | 1,405 |
| Return on Equity (ROE) | 15.7681% | 792 |
| Retained earnings to average equity (ytd only) | 7.5707% | 1,699 |
| Net charge-offs to loans | -0.0319% | 4,149 |
| Credit loss provision to net charge-offs | -474.6835% | 3,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1020% | 3,282 |
| Assets per employee ($millions) | 6.7452% | 2,110 |
| Cash dividends to net income (ytd only)* | 51.9872% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6097% | 1,237 |
| Loan loss allowance to noncurrent loans | 546.2162% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 2,466 |
| Noncurrent loans to loans | 0.2947% | 2,534 |
| Net loans and leases to total assets | 73.2566% | 728 |
| Net loans and leases to deposits | 82.2243% | 1,045 |
| Net loans and leases to core deposits | 92.1823% | 867 |
| Total domestic deposits to total assets | 89.0936% | 1,458 |
| Equity capital to assets | 10.2390% | 2,430 |
| Core capital (leverage) ratio | 10.0407% | 2,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,214,400 | 2,292 |
| Average earning assets | $318,185,000 | 2,242 |
| Average equity | $33,669,200 | 2,345 |
| Average total loans | $247,700,400 | 1,944 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 1,621 |
| Cost of funding earning assets | 0.3941% | 1,743 |
| Net interest margin | 3.5689% | 1,677 |
| Noninterest income to average assets | 0.8139% | 1,479 |
| Noninterest expense to average assets | 2.1896% | 3,099 |
| Loan and lease loss provision to assets | 0.1218% | 966 |
| Net operating income to assets | 1.9396% | 517 |
| Return on assets (ROA) | 1.9396% | 540 |
| Pretax return on assets | 1.9396% | 883 |
| Return on Equity (ROE) | 19.0429% | 513 |
| Retained earnings to average equity (ytd only) | 8.0428% | 2,043 |
| Net charge-offs to loans | -0.0432% | 4,283 |
| Credit loss provision to net charge-offs | -375.0000% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5088% | 4,071 |
| Assets per employee ($millions) | 6.8616% | 1,966 |
| Cash dividends to net income (ytd only)* | 57.7648% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 1,426 |
| Loan loss allowance to noncurrent loans | 519.3717% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 2,672 |
| Noncurrent loans to loans | 0.3014% | 2,714 |
| Net loans and leases to total assets | 72.7292% | 806 |
| Net loans and leases to deposits | 81.4980% | 1,155 |
| Net loans and leases to core deposits | 91.6029% | 940 |
| Total domestic deposits to total assets | 89.2404% | 1,155 |
| Equity capital to assets | 10.0119% | 2,890 |
| Core capital (leverage) ratio | 10.0020% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,452,750 | 2,327 |
| Average earning assets | $316,319,750 | 2,266 |
| Average equity | $33,453,500 | 2,389 |
| Average total loans | $246,848,500 | 1,977 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 1,624 |
| Cost of funding earning assets | 0.4264% | 1,686 |
| Net interest margin | 3.5509% | 1,710 |
| Noninterest income to average assets | 1.0322% | 1,023 |
| Noninterest expense to average assets | 2.2400% | 2,954 |
| Loan and lease loss provision to assets | 0.0927% | 1,350 |
| Net operating income to assets | 2.1170% | 393 |
| Return on assets (ROA) | 2.1170% | 414 |
| Pretax return on assets | 2.1170% | 665 |
| Return on Equity (ROE) | 20.6605% | 410 |
| Retained earnings to average equity (ytd only) | 7.3413% | 2,310 |
| Net charge-offs to loans | -0.0221% | 4,031 |
| Credit loss provision to net charge-offs | -555.5556% | 3,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3403% | 4,209 |
| Assets per employee ($millions) | 6.6866% | 2,029 |
| Cash dividends to net income (ytd only)* | 64.4672% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5150% | 1,541 |
| Loan loss allowance to noncurrent loans | 466.5428% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 2,728 |
| Noncurrent loans to loans | 0.3247% | 2,755 |
| Net loans and leases to total assets | 73.2076% | 837 |
| Net loans and leases to deposits | 82.0453% | 1,217 |
| Net loans and leases to core deposits | 91.8757% | 1,013 |
| Total domestic deposits to total assets | 89.2283% | 1,174 |
| Equity capital to assets | 10.0604% | 2,800 |
| Core capital (leverage) ratio | 10.1208% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,576,667 | 2,342 |
| Average earning assets | $311,409,667 | 2,280 |
| Average equity | $33,155,000 | 2,396 |
| Average total loans | $244,635,333 | 2,003 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 1,773 |
| Cost of funding earning assets | 0.4607% | 1,648 |
| Net interest margin | 3.4641% | 1,921 |
| Noninterest income to average assets | 0.9881% | 1,148 |
| Noninterest expense to average assets | 2.2313% | 3,007 |
| Loan and lease loss provision to assets | 0.0943% | 1,422 |
| Net operating income to assets | 1.9987% | 571 |
| Return on assets (ROA) | 1.9987% | 615 |
| Pretax return on assets | 1.9987% | 951 |
| Return on Equity (ROE) | 19.3225% | 585 |
| Retained earnings to average equity (ytd only) | 9.9894% | 1,646 |
| Net charge-offs to loans | -0.0214% | 4,025 |
| Credit loss provision to net charge-offs | -576.9231% | 3,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5988% | 4,039 |
| Assets per employee ($millions) | 6.5026% | 2,177 |
| Cash dividends to net income (ytd only)* | 48.3019% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,597 |
| Loan loss allowance to noncurrent loans | 438.1406% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 2,830 |
| Noncurrent loans to loans | 0.3430% | 2,868 |
| Net loans and leases to total assets | 75.6152% | 668 |
| Net loans and leases to deposits | 85.0984% | 1,040 |
| Net loans and leases to core deposits | 95.7641% | 895 |
| Total domestic deposits to total assets | 88.8562% | 1,412 |
| Equity capital to assets | 10.4182% | 2,346 |
| Core capital (leverage) ratio | 10.5723% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,200,000 | 2,349 |
| Average earning assets | $306,457,500 | 2,295 |
| Average equity | $32,915,000 | 2,402 |
| Average total loans | $242,693,000 | 2,007 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 1,513 |
| Cost of funding earning assets | 0.7059% | 1,695 |
| Net interest margin | 3.7180% | 1,737 |
| Noninterest income to average assets | 0.5443% | 2,446 |
| Noninterest expense to average assets | 2.3956% | 3,141 |
| Loan and lease loss provision to assets | 0.2125% | 1,849 |
| Net operating income to assets | 1.5012% | 807 |
| Return on assets (ROA) | 1.5012% | 881 |
| Pretax return on assets | 1.5012% | 1,324 |
| Return on Equity (ROE) | 13.9807% | 817 |
| Retained earnings to average equity (ytd only) | 5.3187% | 2,132 |
| Net charge-offs to loans | 0.0739% | 1,746 |
| Credit loss provision to net charge-offs | 359.1954% | 1,556 |
| Earnings coverage of net charge-offs (x) | 28.9713% | 1,641 |
| Efficiency ratio | 58.2975% | 3,686 |
| Assets per employee ($millions) | 6.3555% | 2,043 |
| Cash dividends to net income (ytd only)* | 61.9565% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,623 |
| Loan loss allowance to noncurrent loans | 399.1101% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 2,885 |
| Noncurrent loans to loans | 0.3734% | 2,865 |
| Net loans and leases to total assets | 74.6418% | 948 |
| Net loans and leases to deposits | 83.8627% | 1,476 |
| Net loans and leases to core deposits | 94.1915% | 1,237 |
| Total domestic deposits to total assets | 89.0048% | 989 |
| Equity capital to assets | 10.2698% | 2,864 |
| Core capital (leverage) ratio | 10.2733% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,162,200 | 2,326 |
| Average earning assets | $282,062,400 | 2,278 |
| Average equity | $31,586,400 | 2,402 |
| Average total loans | $235,511,400 | 1,994 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,491 |
| Cost of funding earning assets | 0.7524% | 1,730 |
| Net interest margin | 3.7851% | 1,665 |
| Noninterest income to average assets | 0.6105% | 2,130 |
| Noninterest expense to average assets | 2.3575% | 3,262 |
| Loan and lease loss provision to assets | 0.2314% | 1,756 |
| Net operating income to assets | 1.6471% | 650 |
| Return on assets (ROA) | 1.6471% | 724 |
| Pretax return on assets | 1.6471% | 1,074 |
| Return on Equity (ROE) | 15.1572% | 669 |
| Retained earnings to average equity (ytd only) | 3.5116% | 3,298 |
| Net charge-offs to loans | 0.0865% | 1,441 |
| Credit loss provision to net charge-offs | 328.9474% | 1,670 |
| Earnings coverage of net charge-offs (x) | 26.7171% | 1,688 |
| Efficiency ratio | 55.6563% | 3,964 |
| Assets per employee ($millions) | 6.1993% | 2,085 |
| Cash dividends to net income (ytd only)* | 76.8324% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 1,674 |
| Loan loss allowance to noncurrent loans | 251.6245% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 2,400 |
| Noncurrent loans to loans | 0.5622% | 2,390 |
| Net loans and leases to total assets | 78.3495% | 789 |
| Net loans and leases to deposits | 88.1731% | 1,464 |
| Net loans and leases to core deposits | 99.3357% | 1,212 |
| Total domestic deposits to total assets | 88.8587% | 834 |
| Equity capital to assets | 10.2686% | 2,992 |
| Core capital (leverage) ratio | 10.1841% | 2,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,259,000 | 2,337 |
| Average earning assets | $276,092,500 | 2,294 |
| Average equity | $31,324,250 | 2,410 |
| Average total loans | $234,194,000 | 2,003 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,604 |
| Cost of funding earning assets | 0.8020% | 1,815 |
| Net interest margin | 3.8176% | 1,782 |
| Noninterest income to average assets | 0.7572% | 1,557 |
| Noninterest expense to average assets | 2.4105% | 3,239 |
| Loan and lease loss provision to assets | 0.2491% | 1,687 |
| Net operating income to assets | 1.7564% | 552 |
| Return on assets (ROA) | 1.7564% | 603 |
| Pretax return on assets | 1.7564% | 879 |
| Return on Equity (ROE) | 15.8429% | 593 |
| Retained earnings to average equity (ytd only) | 1.9771% | 3,766 |
| Net charge-offs to loans | 0.0808% | 1,438 |
| Credit loss provision to net charge-offs | 376.3441% | 1,454 |
| Earnings coverage of net charge-offs (x) | 30.3011% | 1,429 |
| Efficiency ratio | 54.5850% | 4,108 |
| Assets per employee ($millions) | 6.5168% | 1,766 |
| Cash dividends to net income (ytd only)* | 87.5203% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 1,616 |
| Loan loss allowance to noncurrent loans | 212.9235% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 2,271 |
| Noncurrent loans to loans | 0.6537% | 2,228 |
| Net loans and leases to total assets | 78.5027% | 786 |
| Net loans and leases to deposits | 88.2746% | 1,525 |
| Net loans and leases to core deposits | 99.3874% | 1,301 |
| Total domestic deposits to total assets | 88.9301% | 772 |
| Equity capital to assets | 10.2357% | 2,976 |
| Core capital (leverage) ratio | 10.4880% | 2,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,023,667 | 2,353 |
| Average earning assets | $269,331,333 | 2,309 |
| Average equity | $31,156,000 | 2,399 |
| Average total loans | $230,145,000 | 2,013 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 1,334 |
| Cost of funding earning assets | 0.8661% | 2,029 |
| Net interest margin | 3.9727% | 1,465 |
| Noninterest income to average assets | 0.3786% | 3,243 |
| Noninterest expense to average assets | 2.4666% | 3,369 |
| Loan and lease loss provision to assets | 0.1490% | 1,902 |
| Net operating income to assets | 1.5843% | 644 |
| Return on assets (ROA) | 1.5843% | 712 |
| Pretax return on assets | 1.5843% | 1,102 |
| Return on Equity (ROE) | 13.6903% | 763 |
| Retained earnings to average equity (ytd only) | 3.7993% | 2,758 |
| Net charge-offs to loans | 0.1558% | 831 |
| Credit loss provision to net charge-offs | 114.9425% | 1,725 |
| Earnings coverage of net charge-offs (x) | 13.3678% | 1,654 |
| Efficiency ratio | 58.7296% | 3,911 |
| Assets per employee ($millions) | 5.4726% | 2,152 |
| Cash dividends to net income (ytd only)* | 72.2484% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,627 |
| Loan loss allowance to noncurrent loans | 269.4611% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 2,718 |
| Noncurrent loans to loans | 0.5274% | 2,680 |
| Net loans and leases to total assets | 81.4879% | 506 |
| Net loans and leases to deposits | 93.6329% | 1,109 |
| Net loans and leases to core deposits | 106.9553% | 1,003 |
| Total domestic deposits to total assets | 87.0291% | 1,544 |
| Equity capital to assets | 11.6832% | 2,300 |
| Core capital (leverage) ratio | 11.6201% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,390,500 | 2,377 |
| Average earning assets | $258,164,500 | 2,332 |
| Average equity | $31,058,500 | 2,401 |
| Average total loans | $223,297,500 | 2,029 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0008% | 1,477 |
| Cost of funding earning assets | 0.8513% | 2,422 |
| Net interest margin | 4.1494% | 1,427 |
| Noninterest income to average assets | 0.4103% | 3,230 |
| Noninterest expense to average assets | 2.5406% | 3,348 |
| Loan and lease loss provision to assets | 0.1803% | 1,152 |
| Net operating income to assets | 1.6691% | 712 |
| Return on assets (ROA) | 1.6683% | 759 |
| Pretax return on assets | 1.6683% | 1,276 |
| Return on Equity (ROE) | 14.9731% | 694 |
| Retained earnings to average equity (ytd only) | 6.7149% | 1,519 |
| Net charge-offs to loans | 0.0542% | 2,325 |
| Credit loss provision to net charge-offs | 399.1597% | 717 |
| Earnings coverage of net charge-offs (x) | 40.9412% | 1,297 |
| Efficiency ratio | 57.8729% | 3,984 |
| Assets per employee ($millions) | 5.4822% | 2,077 |
| Cash dividends to net income (ytd only)* | 55.1536% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,540 |
| Loan loss allowance to noncurrent loans | 247.0079% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 2,518 |
| Noncurrent loans to loans | 0.5646% | 2,487 |
| Net loans and leases to total assets | 82.5661% | 482 |
| Net loans and leases to deposits | 94.5881% | 1,098 |
| Net loans and leases to core deposits | 107.2391% | 1,022 |
| Total domestic deposits to total assets | 87.2901% | 1,457 |
| Equity capital to assets | 11.4613% | 2,561 |
| Core capital (leverage) ratio | 11.3154% | 2,234 |
| Tier 1 risk-based capital ratio | 15.2070% | 2,697 |
| Total risk-based capital ratio | 16.4603% | 2,629 |
| Memoranda: | ||
| Average total assets | $263,439,200 | 2,376 |
| Average earning assets | $252,660,200 | 2,316 |
| Average equity | $29,352,600 | 2,431 |
| Average total loans | $219,625,400 | 2,031 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 1,722 |
| Cost of funding earning assets | 0.8406% | 2,509 |
| Net interest margin | 4.0929% | 1,634 |
| Noninterest income to average assets | 0.3947% | 3,353 |
| Noninterest expense to average assets | 2.5044% | 3,426 |
| Loan and lease loss provision to assets | 0.1526% | 1,231 |
| Net operating income to assets | 1.6581% | 816 |
| Return on assets (ROA) | 1.6571% | 858 |
| Pretax return on assets | 1.6571% | 1,449 |
| Return on Equity (ROE) | 14.9822% | 779 |
| Retained earnings to average equity (ytd only) | 3.8352% | 3,479 |
| Net charge-offs to loans | 0.0629% | 1,923 |
| Credit loss provision to net charge-offs | 291.2621% | 967 |
| Earnings coverage of net charge-offs (x) | 34.5631% | 1,494 |
| Efficiency ratio | 58.0387% | 3,932 |
| Assets per employee ($millions) | 5.4010% | 2,118 |
| Cash dividends to net income (ytd only)* | 74.4015% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,889 |
| Loan loss allowance to noncurrent loans | 246.9320% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 2,597 |
| Noncurrent loans to loans | 0.5341% | 2,688 |
| Net loans and leases to total assets | 84.2022% | 331 |
| Net loans and leases to deposits | 96.4108% | 970 |
| Net loans and leases to core deposits | 109.1031% | 989 |
| Total domestic deposits to total assets | 87.3369% | 1,353 |
| Equity capital to assets | 11.2069% | 2,915 |
| Core capital (leverage) ratio | 11.1834% | 2,484 |
| Tier 1 risk-based capital ratio | 14.7488% | 2,979 |
| Total risk-based capital ratio | 16.0015% | 2,895 |
| Memoranda: | ||
| Average total assets | $262,142,500 | 2,398 |
| Average earning assets | $251,095,500 | 2,350 |
| Average equity | $28,993,750 | 2,461 |
| Average total loans | $218,299,000 | 2,053 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,984 |
| Cost of funding earning assets | 0.8202% | 2,547 |
| Net interest margin | 4.0043% | 1,905 |
| Noninterest income to average assets | 0.3911% | 3,332 |
| Noninterest expense to average assets | 2.4469% | 3,618 |
| Loan and lease loss provision to assets | 0.1722% | 1,057 |
| Net operating income to assets | 1.6058% | 897 |
| Return on assets (ROA) | 1.6050% | 941 |
| Pretax return on assets | 1.6050% | 1,533 |
| Return on Equity (ROE) | 14.5767% | 855 |
| Retained earnings to average equity (ytd only) | 1.3972% | 4,320 |
| Net charge-offs to loans | 0.0602% | 1,784 |
| Credit loss provision to net charge-offs | 346.1538% | 813 |
| Earnings coverage of net charge-offs (x) | 35.7385% | 1,319 |
| Efficiency ratio | 57.9167% | 4,026 |
| Assets per employee ($millions) | 5.4481% | 2,007 |
| Cash dividends to net income (ytd only)* | 90.4149% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 1,896 |
| Loan loss allowance to noncurrent loans | 214.9854% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 2,357 |
| Noncurrent loans to loans | 0.6174% | 2,413 |
| Net loans and leases to total assets | 81.8990% | 622 |
| Net loans and leases to deposits | 93.3026% | 1,335 |
| Net loans and leases to core deposits | 104.2857% | 1,361 |
| Total domestic deposits to total assets | 87.7778% | 1,206 |
| Equity capital to assets | 10.8658% | 3,208 |
| Core capital (leverage) ratio | 11.0279% | 2,572 |
| Tier 1 risk-based capital ratio | 14.4140% | 3,106 |
| Total risk-based capital ratio | 15.6666% | 3,022 |
| Memoranda: | ||
| Average total assets | $261,306,670 | 2,412 |
| Average earning assets | $250,182,670 | 2,363 |
| Average equity | $28,772,000 | 2,466 |
| Average total loans | $215,792,330 | 2,072 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 1,957 |
| Cost of funding earning assets | 0.8229% | 2,406 |
| Net interest margin | 3.9578% | 1,997 |
| Noninterest income to average assets | 0.3962% | 3,206 |
| Noninterest expense to average assets | 2.5704% | 3,296 |
| Loan and lease loss provision to assets | 0.2321% | 653 |
| Net operating income to assets | 1.3819% | 1,428 |
| Return on assets (ROA) | 1.3804% | 1,466 |
| Pretax return on assets | 1.3804% | 2,156 |
| Return on Equity (ROE) | 12.4518% | 1,396 |
| Retained earnings to average equity (ytd only) | 3.4061% | 3,559 |
| Net charge-offs to loans | 0.0207% | 2,039 |
| Credit loss provision to net charge-offs | 1,363.6364% | 282 |
| Earnings coverage of net charge-offs (x) | 94.8182% | 691 |
| Efficiency ratio | 61.4275% | 3,621 |
| Assets per employee ($millions) | 5.2690% | 2,202 |
| Cash dividends to net income (ytd only)* | 72.6457% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 1,770 |
| Loan loss allowance to noncurrent loans | 200.6873% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 2,228 |
| Noncurrent loans to loans | 0.6848% | 2,306 |
| Net loans and leases to total assets | 82.8570% | 487 |
| Net loans and leases to deposits | 95.4362% | 1,021 |
| Net loans and leases to core deposits | 107.6656% | 1,069 |
| Total domestic deposits to total assets | 86.8192% | 1,901 |
| Equity capital to assets | 11.4142% | 2,476 |
| Core capital (leverage) ratio | 11.2524% | 2,337 |
| Tier 1 risk-based capital ratio | 15.0356% | 2,879 |
| Total risk-based capital ratio | 16.2884% | 2,791 |
| Memoranda: | ||
| Average total assets | $258,481,500 | 2,454 |
| Average earning assets | $247,413,000 | 2,400 |
| Average equity | $28,654,500 | 2,477 |
| Average total loans | $212,900,500 | 2,113 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 1,769 |
| Cost of funding earning assets | 0.6857% | 2,174 |
| Net interest margin | 4.0303% | 1,888 |
| Noninterest income to average assets | 0.4199% | 3,312 |
| Noninterest expense to average assets | 2.5021% | 3,607 |
| Loan and lease loss provision to assets | 0.2288% | 779 |
| Net operating income to assets | 1.5513% | 992 |
| Return on assets (ROA) | 1.5510% | 986 |
| Pretax return on assets | 1.5510% | 1,619 |
| Return on Equity (ROE) | 14.9229% | 846 |
| Retained earnings to average equity (ytd only) | 6.0726% | 2,158 |
| Net charge-offs to loans | 0.1846% | 1,041 |
| Credit loss provision to net charge-offs | 151.5152% | 1,817 |
| Earnings coverage of net charge-offs (x) | 11.7879% | 2,600 |
| Efficiency ratio | 58.4291% | 4,090 |
| Assets per employee ($millions) | 5.2810% | 2,173 |
| Cash dividends to net income (ytd only)* | 59.3066% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 2,023 |
| Loan loss allowance to noncurrent loans | 192.0580% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,273 |
| Noncurrent loans to loans | 0.6788% | 2,299 |
| Net loans and leases to total assets | 79.7364% | 976 |
| Net loans and leases to deposits | 91.0220% | 1,664 |
| Net loans and leases to core deposits | 107.3645% | 1,171 |
| Total domestic deposits to total assets | 87.6012% | 1,486 |
| Equity capital to assets | 10.7711% | 2,910 |
| Core capital (leverage) ratio | 10.7328% | 2,809 |
| Tier 1 risk-based capital ratio | 14.7456% | 2,945 |
| Total risk-based capital ratio | 15.9976% | 2,876 |
| Memoranda: | ||
| Average total assets | $262,223,600 | 2,384 |
| Average earning assets | $251,293,600 | 2,328 |
| Average equity | $27,253,400 | 2,501 |
| Average total loans | $214,499,000 | 2,071 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,725 |
| Cost of funding earning assets | 0.6530% | 2,136 |
| Net interest margin | 4.0316% | 1,853 |
| Noninterest income to average assets | 0.4075% | 3,439 |
| Noninterest expense to average assets | 2.5039% | 3,588 |
| Loan and lease loss provision to assets | 0.2292% | 708 |
| Net operating income to assets | 1.5392% | 1,096 |
| Return on assets (ROA) | 1.5392% | 1,093 |
| Pretax return on assets | 1.5392% | 1,770 |
| Return on Equity (ROE) | 14.9472% | 888 |
| Retained earnings to average equity (ytd only) | 3.0171% | 4,232 |
| Net charge-offs to loans | 0.1968% | 857 |
| Credit loss provision to net charge-offs | 141.9558% | 1,781 |
| Earnings coverage of net charge-offs (x) | 10.9526% | 2,556 |
| Efficiency ratio | 58.6075% | 4,022 |
| Assets per employee ($millions) | 5.4264% | 1,987 |
| Cash dividends to net income (ytd only)* | 79.8148% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 2,371 |
| Loan loss allowance to noncurrent loans | 222.4959% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 2,763 |
| Noncurrent loans to loans | 0.5615% | 2,697 |
| Net loans and leases to total assets | 80.5665% | 933 |
| Net loans and leases to deposits | 91.5529% | 1,679 |
| Net loans and leases to core deposits | 107.1732% | 1,221 |
| Total domestic deposits to total assets | 88.0000% | 1,240 |
| Equity capital to assets | 10.2361% | 3,412 |
| Core capital (leverage) ratio | 10.2074% | 3,399 |
| Tier 1 risk-based capital ratio | 14.0142% | 3,364 |
| Total risk-based capital ratio | 15.2656% | 3,273 |
| Memoranda: | ||
| Average total assets | $261,767,000 | 2,400 |
| Average earning assets | $250,946,500 | 2,345 |
| Average equity | $26,956,500 | 2,523 |
| Average total loans | $214,792,500 | 2,070 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,926 |
| Cost of funding earning assets | 0.6039% | 2,203 |
| Net interest margin | 3.9495% | 2,032 |
| Noninterest income to average assets | 0.3994% | 3,489 |
| Noninterest expense to average assets | 2.4847% | 3,669 |
| Loan and lease loss provision to assets | 0.2304% | 694 |
| Net operating income to assets | 1.4716% | 1,222 |
| Return on assets (ROA) | 1.4716% | 1,222 |
| Pretax return on assets | 1.4716% | 1,921 |
| Return on Equity (ROE) | 14.2614% | 1,021 |
| Retained earnings to average equity (ytd only) | 0.1489% | 4,929 |
| Net charge-offs to loans | 0.2326% | 689 |
| Credit loss provision to net charge-offs | 120.4819% | 1,795 |
| Earnings coverage of net charge-offs (x) | 8.8996% | 2,436 |
| Efficiency ratio | 59.3469% | 4,037 |
| Assets per employee ($millions) | 5.6423% | 1,764 |
| Cash dividends to net income (ytd only)* | 98.9562% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,792 |
| Loan loss allowance to noncurrent loans | 138.6807% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.7086% | 2,107 |
| Noncurrent loans to loans | 0.8576% | 2,009 |
| Net loans and leases to total assets | 78.9757% | 1,168 |
| Net loans and leases to deposits | 89.0227% | 1,977 |
| Net loans and leases to core deposits | 103.2603% | 1,459 |
| Total domestic deposits to total assets | 88.7142% | 1,050 |
| Equity capital to assets | 9.6578% | 3,959 |
| Core capital (leverage) ratio | 10.1753% | 3,390 |
| Tier 1 risk-based capital ratio | 13.3744% | 3,693 |
| Total risk-based capital ratio | 14.6246% | 3,614 |
| Memoranda: | ||
| Average total assets | $260,392,000 | 2,418 |
| Average earning assets | $249,705,000 | 2,363 |
| Average equity | $26,869,670 | 2,541 |
| Average total loans | $214,080,000 | 2,076 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 1,882 |
| Cost of funding earning assets | 0.5434% | 2,454 |
| Net interest margin | 3.9522% | 1,864 |
| Noninterest income to average assets | 0.4010% | 3,459 |
| Noninterest expense to average assets | 2.6312% | 3,242 |
| Loan and lease loss provision to assets | 0.2378% | 645 |
| Net operating income to assets | 1.3251% | 1,561 |
| Return on assets (ROA) | 1.3251% | 1,567 |
| Pretax return on assets | 1.3251% | 2,269 |
| Return on Equity (ROE) | 12.4063% | 1,438 |
| Retained earnings to average equity (ytd only) | 2.9680% | 4,011 |
| Net charge-offs to loans | 0.4425% | 343 |
| Credit loss provision to net charge-offs | 64.3777% | 1,872 |
| Earnings coverage of net charge-offs (x) | 4.2318% | 2,317 |
| Efficiency ratio | 62.7362% | 3,671 |
| Assets per employee ($millions) | 5.0866% | 2,380 |
| Cash dividends to net income (ytd only)* | 76.0766% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,018 |
| Loan loss allowance to noncurrent loans | 115.5236% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 1,862 |
| Noncurrent loans to loans | 1.0070% | 1,812 |
| Net loans and leases to total assets | 83.2842% | 513 |
| Net loans and leases to deposits | 95.3727% | 1,087 |
| Net loans and leases to core deposits | 109.3419% | 1,043 |
| Total domestic deposits to total assets | 87.3251% | 1,997 |
| Equity capital to assets | 10.5859% | 2,990 |
| Core capital (leverage) ratio | 10.9983% | 2,442 |
| Tier 1 risk-based capital ratio | 13.8767% | 3,446 |
| Total risk-based capital ratio | 15.1267% | 3,362 |
| Memoranda: | ||
| Average total assets | $252,352,500 | 2,495 |
| Average earning assets | $242,196,000 | 2,437 |
| Average equity | $26,954,000 | 2,557 |
| Average total loans | $210,633,500 | 2,109 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,738 |
| Cost of funding earning assets | 0.4824% | 2,482 |
| Net interest margin | 4.0069% | 1,728 |
| Noninterest income to average assets | 0.3969% | 3,658 |
| Noninterest expense to average assets | 2.5263% | 3,691 |
| Loan and lease loss provision to assets | 0.2553% | 722 |
| Net operating income to assets | 1.4525% | 900 |
| Return on assets (ROA) | 1.4521% | 913 |
| Pretax return on assets | 1.4521% | 1,810 |
| Return on Equity (ROE) | 13.9465% | 767 |
| Retained earnings to average equity (ytd only) | 5.3027% | 1,928 |
| Net charge-offs to loans | 0.2026% | 1,272 |
| Credit loss provision to net charge-offs | 158.0247% | 1,690 |
| Earnings coverage of net charge-offs (x) | 10.5704% | 2,661 |
| Efficiency ratio | 59.6665% | 4,311 |
| Assets per employee ($millions) | 5.2162% | 2,239 |
| Cash dividends to net income (ytd only)* | 61.9780% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,502 |
| Loan loss allowance to noncurrent loans | 106.3119% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 1,597 |
| Noncurrent loans to loans | 1.1713% | 1,515 |
| Net loans and leases to total assets | 81.6296% | 737 |
| Net loans and leases to deposits | 93.6737% | 1,308 |
| Net loans and leases to core deposits | 100.7766% | 1,655 |
| Total domestic deposits to total assets | 87.1425% | 1,923 |
| Equity capital to assets | 10.7778% | 2,865 |
| Core capital (leverage) ratio | 10.5946% | 2,742 |
| Tier 1 risk-based capital ratio | 14.5693% | 3,055 |
| Total risk-based capital ratio | 15.8204% | 2,975 |
| Memoranda: | ||
| Average total assets | $250,679,200 | 2,487 |
| Average earning assets | $240,058,800 | 2,422 |
| Average equity | $26,099,800 | 2,599 |
| Average total loans | $199,870,800 | 2,159 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,849 |
| Cost of funding earning assets | 0.4703% | 2,521 |
| Net interest margin | 3.9639% | 1,820 |
| Noninterest income to average assets | 0.3961% | 3,711 |
| Noninterest expense to average assets | 2.5554% | 3,550 |
| Loan and lease loss provision to assets | 0.2605% | 648 |
| Net operating income to assets | 1.3761% | 1,142 |
| Return on assets (ROA) | 1.3755% | 1,161 |
| Pretax return on assets | 1.3755% | 2,196 |
| Return on Equity (ROE) | 13.3286% | 980 |
| Retained earnings to average equity (ytd only) | 1.7054% | 4,745 |
| Net charge-offs to loans | 0.1817% | 1,160 |
| Credit loss provision to net charge-offs | 181.4815% | 1,458 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 2,509 |
| Efficiency ratio | 60.9589% | 4,052 |
| Assets per employee ($millions) | 5.0405% | 2,403 |
| Cash dividends to net income (ytd only)* | 87.2050% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,715 |
| Loan loss allowance to noncurrent loans | 150.4404% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 2,482 |
| Noncurrent loans to loans | 0.8219% | 2,312 |
| Net loans and leases to total assets | 79.6082% | 1,041 |
| Net loans and leases to deposits | 90.8322% | 1,710 |
| Net loans and leases to core deposits | 98.4708% | 1,846 |
| Total domestic deposits to total assets | 87.6432% | 1,551 |
| Equity capital to assets | 10.1687% | 3,732 |
| Core capital (leverage) ratio | 10.2295% | 3,282 |
| Tier 1 risk-based capital ratio | 13.8964% | 3,494 |
| Total risk-based capital ratio | 15.1476% | 3,423 |
| Memoranda: | ||
| Average total assets | $250,755,000 | 2,503 |
| Average earning assets | $240,127,250 | 2,438 |
| Average equity | $25,878,500 | 2,634 |
| Average total loans | $198,099,000 | 2,180 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 1,862 |
| Cost of funding earning assets | 0.4586% | 2,521 |
| Net interest margin | 3.9281% | 1,843 |
| Noninterest income to average assets | 0.3821% | 3,814 |
| Noninterest expense to average assets | 2.5433% | 3,606 |
| Loan and lease loss provision to assets | 0.2735% | 579 |
| Net operating income to assets | 1.3272% | 1,224 |
| Return on assets (ROA) | 1.3272% | 1,250 |
| Pretax return on assets | 1.3272% | 2,278 |
| Return on Equity (ROE) | 12.7950% | 1,089 |
| Retained earnings to average equity (ytd only) | -0.6979% | 5,186 |
| Net charge-offs to loans | 0.1661% | 1,168 |
| Credit loss provision to net charge-offs | 209.8765% | 1,227 |
| Earnings coverage of net charge-offs (x) | 12.2840% | 2,208 |
| Efficiency ratio | 61.3742% | 4,106 |
| Assets per employee ($millions) | 5.1969% | 2,160 |
| Cash dividends to net income (ytd only)* | 105.4545% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,719 |
| Loan loss allowance to noncurrent loans | 150.2683% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 2,588 |
| Noncurrent loans to loans | 0.8290% | 2,329 |
| Net loans and leases to total assets | 76.8826% | 1,401 |
| Net loans and leases to deposits | 87.5255% | 2,042 |
| Net loans and leases to core deposits | 95.4086% | 2,035 |
| Total domestic deposits to total assets | 87.8402% | 1,536 |
| Equity capital to assets | 9.9124% | 4,011 |
| Core capital (leverage) ratio | 10.1163% | 3,384 |
| Tier 1 risk-based capital ratio | 13.6817% | 3,597 |
| Total risk-based capital ratio | 14.9329% | 3,519 |
| Memoranda: | ||
| Average total assets | $248,652,000 | 2,529 |
| Average earning assets | $238,130,670 | 2,466 |
| Average equity | $25,791,330 | 2,646 |
| Average total loans | $195,063,330 | 2,214 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 1,775 |
| Cost of funding earning assets | 0.4583% | 2,448 |
| Net interest margin | 3.9034% | 1,767 |
| Noninterest income to average assets | 0.3259% | 4,210 |
| Noninterest expense to average assets | 2.7582% | 2,929 |
| Loan and lease loss provision to assets | 0.3127% | 411 |
| Net operating income to assets | 0.9973% | 2,316 |
| Return on assets (ROA) | 0.9973% | 2,368 |
| Pretax return on assets | 0.9973% | 3,382 |
| Return on Equity (ROE) | 9.3923% | 2,235 |
| Retained earnings to average equity (ytd only) | -0.2790% | 4,962 |
| Net charge-offs to loans | 0.1692% | 966 |
| Credit loss provision to net charge-offs | 234.5679% | 922 |
| Earnings coverage of net charge-offs (x) | 9.8272% | 1,971 |
| Efficiency ratio | 67.7994% | 3,233 |
| Assets per employee ($millions) | 4.8636% | 2,612 |
| Cash dividends to net income (ytd only)* | 102.9703% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,670 |
| Loan loss allowance to noncurrent loans | 149.5424% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 2,583 |
| Noncurrent loans to loans | 0.8511% | 2,331 |
| Net loans and leases to total assets | 78.1793% | 1,108 |
| Net loans and leases to deposits | 88.4171% | 1,742 |
| Net loans and leases to core deposits | 97.2431% | 1,726 |
| Total domestic deposits to total assets | 88.4210% | 1,475 |
| Equity capital to assets | 10.6073% | 3,059 |
| Core capital (leverage) ratio | 10.5799% | 2,814 |
| Tier 1 risk-based capital ratio | 14.5096% | 3,195 |
| Total risk-based capital ratio | 15.7610% | 3,132 |
| Memoranda: | ||
| Average total assets | $243,054,500 | 2,588 |
| Average earning assets | $233,025,000 | 2,525 |
| Average equity | $25,808,500 | 2,661 |
| Average total loans | $191,446,500 | 2,261 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 1,633 |
| Cost of funding earning assets | 0.4511% | 2,530 |
| Net interest margin | 4.0188% | 1,582 |
| Noninterest income to average assets | 0.3714% | 4,092 |
| Noninterest expense to average assets | 2.6059% | 3,659 |
| Loan and lease loss provision to assets | 0.3343% | 530 |
| Net operating income to assets | 1.2764% | 1,281 |
| Return on assets (ROA) | 1.2759% | 1,351 |
| Pretax return on assets | 1.2759% | 2,375 |
| Return on Equity (ROE) | 12.1433% | 1,201 |
| Retained earnings to average equity (ytd only) | 3.0476% | 3,731 |
| Net charge-offs to loans | 0.4412% | 576 |
| Credit loss provision to net charge-offs | 98.0630% | 2,641 |
| Earnings coverage of net charge-offs (x) | 4.7252% | 3,458 |
| Efficiency ratio | 61.8027% | 4,286 |
| Assets per employee ($millions) | 4.5835% | 2,993 |
| Cash dividends to net income (ytd only)* | 74.9030% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,934 |
| Loan loss allowance to noncurrent loans | 148.2278% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 2,742 |
| Noncurrent loans to loans | 0.8302% | 2,449 |
| Net loans and leases to total assets | 77.3821% | 1,296 |
| Net loans and leases to deposits | 87.4823% | 1,989 |
| Net loans and leases to core deposits | 95.7431% | 1,944 |
| Total domestic deposits to total assets | 88.4546% | 1,403 |
| Equity capital to assets | 10.6295% | 3,003 |
| Core capital (leverage) ratio | 10.4336% | 2,946 |
| Tier 1 risk-based capital ratio | 14.7230% | 3,090 |
| Total risk-based capital ratio | 15.9736% | 3,034 |
| Memoranda: | ||
| Average total assets | $242,331,600 | 2,561 |
| Average earning assets | $231,858,800 | 2,501 |
| Average equity | $25,462,600 | 2,680 |
| Average total loans | $187,217,800 | 2,239 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,650 |
| Cost of funding earning assets | 0.4472% | 2,579 |
| Net interest margin | 4.0184% | 1,597 |
| Noninterest income to average assets | 0.3601% | 4,199 |
| Noninterest expense to average assets | 2.6547% | 3,482 |
| Loan and lease loss provision to assets | 0.3303% | 496 |
| Net operating income to assets | 1.2189% | 1,573 |
| Return on assets (ROA) | 1.2183% | 1,676 |
| Pretax return on assets | 1.2183% | 2,763 |
| Return on Equity (ROE) | 11.6290% | 1,438 |
| Retained earnings to average equity (ytd only) | -0.5412% | 5,442 |
| Net charge-offs to loans | 0.4455% | 477 |
| Credit loss provision to net charge-offs | 96.3082% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.5168% | 3,257 |
| Efficiency ratio | 63.1482% | 4,049 |
| Assets per employee ($millions) | 4.7499% | 2,672 |
| Cash dividends to net income (ytd only)* | 104.6543% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 3,018 |
| Loan loss allowance to noncurrent loans | 131.8464% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 2,642 |
| Noncurrent loans to loans | 0.9402% | 2,359 |
| Net loans and leases to total assets | 76.7957% | 1,398 |
| Net loans and leases to deposits | 86.8651% | 2,160 |
| Net loans and leases to core deposits | 93.9176% | 2,196 |
| Total domestic deposits to total assets | 88.4080% | 1,186 |
| Equity capital to assets | 10.5097% | 3,552 |
| Core capital (leverage) ratio | 10.2601% | 3,269 |
| Tier 1 risk-based capital ratio | 14.2861% | 3,406 |
| Total risk-based capital ratio | 15.5368% | 3,338 |
| Memoranda: | ||
| Average total assets | $242,182,750 | 2,571 |
| Average earning assets | $231,663,000 | 2,511 |
| Average equity | $25,372,750 | 2,700 |
| Average total loans | $186,441,250 | 2,251 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 1,733 |
| Cost of funding earning assets | 0.4489% | 2,577 |
| Net interest margin | 3.9835% | 1,693 |
| Noninterest income to average assets | 0.3494% | 4,280 |
| Noninterest expense to average assets | 2.5834% | 3,781 |
| Loan and lease loss provision to assets | 0.3717% | 421 |
| Net operating income to assets | 1.2050% | 1,580 |
| Return on assets (ROA) | 1.2050% | 1,679 |
| Pretax return on assets | 1.2050% | 2,766 |
| Return on Equity (ROE) | 11.5136% | 1,477 |
| Retained earnings to average equity (ytd only) | -2.6910% | 5,596 |
| Net charge-offs to loans | 0.4510% | 501 |
| Credit loss provision to net charge-offs | 107.3986% | 1,997 |
| Earnings coverage of net charge-offs (x) | 4.5561% | 2,975 |
| Efficiency ratio | 62.1005% | 4,335 |
| Assets per employee ($millions) | 4.8016% | 2,558 |
| Cash dividends to net income (ytd only)* | 123.3722% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,871 |
| Loan loss allowance to noncurrent loans | 120.9620% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 2,543 |
| Noncurrent loans to loans | 1.0628% | 2,165 |
| Net loans and leases to total assets | 74.9100% | 1,669 |
| Net loans and leases to deposits | 84.5241% | 2,404 |
| Net loans and leases to core deposits | 90.4363% | 2,496 |
| Total domestic deposits to total assets | 88.6255% | 1,099 |
| Equity capital to assets | 10.3503% | 3,794 |
| Core capital (leverage) ratio | 10.0252% | 3,535 |
| Tier 1 risk-based capital ratio | 14.1027% | 3,546 |
| Total risk-based capital ratio | 15.3538% | 3,460 |
| Memoranda: | ||
| Average total assets | $242,162,330 | 2,588 |
| Average earning assets | $231,653,000 | 2,520 |
| Average equity | $25,344,000 | 2,715 |
| Average total loans | $185,799,000 | 2,252 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 1,760 |
| Cost of funding earning assets | 0.4429% | 2,656 |
| Net interest margin | 3.9723% | 1,703 |
| Noninterest income to average assets | 0.3189% | 4,446 |
| Noninterest expense to average assets | 2.6561% | 3,556 |
| Loan and lease loss provision to assets | 0.4983% | 248 |
| Net operating income to assets | 0.9634% | 2,446 |
| Return on assets (ROA) | 0.9634% | 2,559 |
| Pretax return on assets | 0.9634% | 3,604 |
| Return on Equity (ROE) | 9.1544% | 2,340 |
| Retained earnings to average equity (ytd only) | -1.0733% | 5,290 |
| Net charge-offs to loans | 0.6136% | 361 |
| Credit loss provision to net charge-offs | 105.2632% | 1,560 |
| Earnings coverage of net charge-offs (x) | 3.0877% | 2,587 |
| Efficiency ratio | 64.5018% | 4,041 |
| Assets per employee ($millions) | 4.8653% | 2,497 |
| Cash dividends to net income (ytd only)* | 111.7241% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 2,997 |
| Loan loss allowance to noncurrent loans | 139.1789% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.7290% | 2,890 |
| Noncurrent loans to loans | 0.9210% | 2,549 |
| Net loans and leases to total assets | 76.6594% | 1,300 |
| Net loans and leases to deposits | 86.8129% | 1,968 |
| Net loans and leases to core deposits | 93.6840% | 2,021 |
| Total domestic deposits to total assets | 88.3041% | 1,467 |
| Equity capital to assets | 10.6917% | 3,271 |
| Core capital (leverage) ratio | 10.3453% | 3,132 |
| Tier 1 risk-based capital ratio | 14.4790% | 3,402 |
| Total risk-based capital ratio | 15.7303% | 3,339 |
| Memoranda: | ||
| Average total assets | $240,802,500 | 2,615 |
| Average earning assets | $230,292,000 | 2,546 |
| Average equity | $25,343,000 | 2,718 |
| Average total loans | $185,783,500 | 2,256 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,395 |
| Cost of funding earning assets | 0.4346% | 2,793 |
| Net interest margin | 4.1421% | 1,301 |
| Noninterest income to average assets | 0.3821% | 4,170 |
| Noninterest expense to average assets | 2.5201% | 4,163 |
| Loan and lease loss provision to assets | 0.2213% | 926 |
| Net operating income to assets | 1.6026% | 701 |
| Return on assets (ROA) | 1.6026% | 721 |
| Pretax return on assets | 1.6026% | 1,239 |
| Return on Equity (ROE) | 15.9116% | 564 |
| Retained earnings to average equity (ytd only) | 6.4807% | 1,554 |
| Net charge-offs to loans | 0.2669% | 1,133 |
| Credit loss provision to net charge-offs | 110.3306% | 2,290 |
| Earnings coverage of net charge-offs (x) | 9.0930% | 2,866 |
| Efficiency ratio | 58.0137% | 5,143 |
| Assets per employee ($millions) | 4.9634% | 2,409 |
| Cash dividends to net income (ytd only)* | 59.2708% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 3,085 |
| Loan loss allowance to noncurrent loans | 294.7500% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 4,245 |
| Noncurrent loans to loans | 0.4291% | 3,922 |
| Net loans and leases to total assets | 75.6892% | 1,464 |
| Net loans and leases to deposits | 85.3277% | 2,206 |
| Net loans and leases to core deposits | 92.0552% | 2,213 |
| Total domestic deposits to total assets | 88.7042% | 1,285 |
| Equity capital to assets | 10.3604% | 3,556 |
| Core capital (leverage) ratio | 10.0274% | 3,471 |
| Tier 1 risk-based capital ratio | 14.3534% | 3,520 |
| Total risk-based capital ratio | 15.6041% | 3,434 |
| Memoranda: | ||
| Average total assets | $241,301,800 | 2,568 |
| Average earning assets | $230,802,000 | 2,508 |
| Average equity | $24,303,000 | 2,759 |
| Average total loans | $181,316,200 | 2,226 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 1,443 |
| Cost of funding earning assets | 0.4274% | 2,935 |
| Net interest margin | 4.1260% | 1,333 |
| Noninterest income to average assets | 0.3610% | 4,349 |
| Noninterest expense to average assets | 2.4891% | 4,228 |
| Loan and lease loss provision to assets | 0.2126% | 906 |
| Net operating income to assets | 1.6039% | 764 |
| Return on assets (ROA) | 1.6039% | 794 |
| Pretax return on assets | 1.6039% | 1,372 |
| Return on Equity (ROE) | 16.0409% | 588 |
| Retained earnings to average equity (ytd only) | 3.3499% | 4,086 |
| Net charge-offs to loans | 0.2755% | 968 |
| Credit loss provision to net charge-offs | 103.2258% | 2,202 |
| Earnings coverage of net charge-offs (x) | 8.8199% | 2,762 |
| Efficiency ratio | 57.8115% | 5,143 |
| Assets per employee ($millions) | 4.9848% | 2,317 |
| Cash dividends to net income (ytd only)* | 79.1162% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 3,299 |
| Loan loss allowance to noncurrent loans | 511.0132% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 4,761 |
| Noncurrent loans to loans | 0.2468% | 4,691 |
| Net loans and leases to total assets | 74.3661% | 1,666 |
| Net loans and leases to deposits | 83.6267% | 2,449 |
| Net loans and leases to core deposits | 90.5900% | 2,405 |
| Total domestic deposits to total assets | 88.9263% | 1,064 |
| Equity capital to assets | 9.9859% | 4,169 |
| Core capital (leverage) ratio | 9.6850% | 4,047 |
| Tier 1 risk-based capital ratio | 13.9084% | 3,901 |
| Total risk-based capital ratio | 15.1595% | 3,842 |
| Memoranda: | ||
| Average total assets | $240,826,000 | 2,590 |
| Average earning assets | $230,240,250 | 2,525 |
| Average equity | $24,079,500 | 2,795 |
| Average total loans | $180,035,750 | 2,248 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 1,574 |
| Cost of funding earning assets | 0.4201% | 3,038 |
| Net interest margin | 4.0690% | 1,449 |
| Noninterest income to average assets | 0.4064% | 4,039 |
| Noninterest expense to average assets | 2.4724% | 4,321 |
| Loan and lease loss provision to assets | 0.1502% | 1,422 |
| Net operating income to assets | 1.6714% | 658 |
| Return on assets (ROA) | 1.6714% | 684 |
| Pretax return on assets | 1.6714% | 1,140 |
| Return on Equity (ROE) | 16.7086% | 526 |
| Retained earnings to average equity (ytd only) | 1.8936% | 4,750 |
| Net charge-offs to loans | 0.2406% | 1,078 |
| Credit loss provision to net charge-offs | 83.7209% | 2,285 |
| Earnings coverage of net charge-offs (x) | 10.1535% | 2,389 |
| Efficiency ratio | 57.5787% | 5,270 |
| Assets per employee ($millions) | 5.1415% | 2,108 |
| Cash dividends to net income (ytd only)* | 88.6670% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 3,622 |
| Loan loss allowance to noncurrent loans | 406.6190% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 4,559 |
| Noncurrent loans to loans | 0.3025% | 4,604 |
| Net loans and leases to total assets | 72.4485% | 1,903 |
| Net loans and leases to deposits | 80.9273% | 2,677 |
| Net loans and leases to core deposits | 87.3164% | 2,628 |
| Total domestic deposits to total assets | 89.5230% | 887 |
| Equity capital to assets | 9.4899% | 4,666 |
| Core capital (leverage) ratio | 9.5631% | 4,189 |
| Tier 1 risk-based capital ratio | 13.5323% | 4,197 |
| Total risk-based capital ratio | 14.7829% | 4,134 |
| Memoranda: | ||
| Average total assets | $239,683,000 | 2,613 |
| Average earning assets | $228,999,330 | 2,548 |
| Average equity | $23,975,670 | 2,815 |
| Average total loans | $178,726,670 | 2,269 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,477 |
| Cost of funding earning assets | 0.4214% | 3,054 |
| Net interest margin | 4.0738% | 1,346 |
| Noninterest income to average assets | 0.4247% | 3,807 |
| Noninterest expense to average assets | 2.3566% | 4,718 |
| Loan and lease loss provision to assets | 0.1541% | 1,318 |
| Net operating income to assets | 1.8051% | 478 |
| Return on assets (ROA) | 1.8051% | 504 |
| Pretax return on assets | 1.8051% | 859 |
| Return on Equity (ROE) | 17.5597% | 428 |
| Retained earnings to average equity (ytd only) | 7.1638% | 1,937 |
| Net charge-offs to loans | 0.2026% | 1,122 |
| Credit loss provision to net charge-offs | 101.1236% | 1,591 |
| Earnings coverage of net charge-offs (x) | 12.8539% | 1,763 |
| Efficiency ratio | 54.6032% | 5,630 |
| Assets per employee ($millions) | 4.9545% | 2,413 |
| Cash dividends to net income (ytd only)* | 59.2030% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 3,387 |
| Loan loss allowance to noncurrent loans | 319.3638% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 4,226 |
| Noncurrent loans to loans | 0.4078% | 4,368 |
| Net loans and leases to total assets | 73.5815% | 1,560 |
| Net loans and leases to deposits | 82.8961% | 2,221 |
| Net loans and leases to core deposits | 90.6382% | 2,072 |
| Total domestic deposits to total assets | 88.7635% | 1,411 |
| Equity capital to assets | 10.2290% | 3,853 |
| Core capital (leverage) ratio | 10.2427% | 3,288 |
| Tier 1 risk-based capital ratio | 13.9303% | 4,070 |
| Total risk-based capital ratio | 15.1815% | 3,990 |
| Memoranda: | ||
| Average total assets | $233,558,500 | 2,692 |
| Average earning assets | $223,081,500 | 2,616 |
| Average equity | $24,009,500 | 2,826 |
| Average total loans | $175,693,000 | 2,308 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 1,747 |
| Cost of funding earning assets | 0.4445% | 3,227 |
| Net interest margin | 4.0900% | 1,609 |
| Noninterest income to average assets | 0.4384% | 3,913 |
| Noninterest expense to average assets | 2.6074% | 4,187 |
| Loan and lease loss provision to assets | 0.1164% | 2,232 |
| Net operating income to assets | 1.6143% | 691 |
| Return on assets (ROA) | 1.6848% | 617 |
| Pretax return on assets | 1.6848% | 1,014 |
| Return on Equity (ROE) | 16.4334% | 560 |
| Retained earnings to average equity (ytd only) | 7.6512% | 1,142 |
| Net charge-offs to loans | 0.1218% | 2,813 |
| Credit loss provision to net charge-offs | 131.2821% | 1,818 |
| Earnings coverage of net charge-offs (x) | 19.5179% | 1,778 |
| Efficiency ratio | 60.1048% | 5,211 |
| Assets per employee ($millions) | 4.6797% | 2,759 |
| Cash dividends to net income (ytd only)* | 53.4413% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 3,289 |
| Loan loss allowance to noncurrent loans | 326.9122% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 4,259 |
| Noncurrent loans to loans | 0.4055% | 4,423 |
| Net loans and leases to total assets | 74.9149% | 1,431 |
| Net loans and leases to deposits | 84.5072% | 2,156 |
| Net loans and leases to core deposits | 93.3989% | 1,960 |
| Total domestic deposits to total assets | 88.6491% | 1,445 |
| Equity capital to assets | 10.3326% | 3,685 |
| Core capital (leverage) ratio | 10.1498% | 3,367 |
| Tier 1 risk-based capital ratio | 14.1504% | 3,998 |
| Total risk-based capital ratio | 15.4025% | 3,922 |
| Memoranda: | ||
| Average total assets | $219,912,000 | 2,786 |
| Average earning assets | $209,683,000 | 2,713 |
| Average equity | $22,545,600 | 2,896 |
| Average total loans | $160,101,400 | 2,422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 1,885 |
| Cost of funding earning assets | 0.4430% | 3,336 |
| Net interest margin | 4.0530% | 1,712 |
| Noninterest income to average assets | 0.4419% | 3,946 |
| Noninterest expense to average assets | 2.5200% | 4,461 |
| Loan and lease loss provision to assets | 0.0956% | 2,455 |
| Net operating income to assets | 1.6896% | 628 |
| Return on assets (ROA) | 1.7876% | 535 |
| Pretax return on assets | 1.7876% | 914 |
| Return on Equity (ROE) | 17.4729% | 495 |
| Retained earnings to average equity (ytd only) | 5.6126% | 2,659 |
| Net charge-offs to loans | 0.0911% | 2,908 |
| Credit loss provision to net charge-offs | 145.7944% | 1,621 |
| Earnings coverage of net charge-offs (x) | 27.2249% | 1,459 |
| Efficiency ratio | 58.5338% | 5,376 |
| Assets per employee ($millions) | 4.5408% | 2,895 |
| Cash dividends to net income (ytd only)* | 67.8778% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,479 |
| Loan loss allowance to noncurrent loans | 262.7002% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 4,231 |
| Noncurrent loans to loans | 0.5079% | 4,407 |
| Net loans and leases to total assets | 76.3100% | 1,180 |
| Net loans and leases to deposits | 86.1978% | 1,885 |
| Net loans and leases to core deposits | 94.6332% | 1,791 |
| Total domestic deposits to total assets | 88.5289% | 1,485 |
| Equity capital to assets | 10.3016% | 3,786 |
| Core capital (leverage) ratio | 10.1738% | 3,439 |
| Tier 1 risk-based capital ratio | 13.8338% | 4,332 |
| Total risk-based capital ratio | 15.0858% | 4,267 |
| Memoranda: | ||
| Average total assets | $217,564,250 | 2,832 |
| Average earning assets | $207,382,000 | 2,752 |
| Average equity | $22,258,750 | 2,925 |
| Average total loans | $156,604,250 | 2,484 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,314 |
| Cost of funding earning assets | 0.4388% | 3,451 |
| Net interest margin | 3.9258% | 2,066 |
| Noninterest income to average assets | 0.4641% | 3,757 |
| Noninterest expense to average assets | 2.5982% | 4,245 |
| Loan and lease loss provision to assets | 0.0898% | 2,530 |
| Net operating income to assets | 1.5219% | 835 |
| Return on assets (ROA) | 1.5663% | 796 |
| Pretax return on assets | 1.5663% | 1,345 |
| Return on Equity (ROE) | 15.3462% | 743 |
| Retained earnings to average equity (ytd only) | 1.7334% | 5,038 |
| Net charge-offs to loans | 0.1175% | 2,491 |
| Credit loss provision to net charge-offs | 108.9888% | 1,837 |
| Earnings coverage of net charge-offs (x) | 19.5506% | 1,615 |
| Efficiency ratio | 61.7162% | 5,049 |
| Assets per employee ($millions) | 4.7867% | 2,491 |
| Cash dividends to net income (ytd only)* | 88.7049% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,517 |
| Loan loss allowance to noncurrent loans | 494.5175% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 4,969 |
| Noncurrent loans to loans | 0.2759% | 5,190 |
| Net loans and leases to total assets | 72.4590% | 1,657 |
| Net loans and leases to deposits | 81.4207% | 2,328 |
| Net loans and leases to core deposits | 89.5652% | 2,168 |
| Total domestic deposits to total assets | 88.9934% | 1,356 |
| Equity capital to assets | 9.9091% | 4,238 |
| Core capital (leverage) ratio | 10.1916% | 3,360 |
| Tier 1 risk-based capital ratio | 13.4625% | 4,608 |
| Total risk-based capital ratio | 14.7145% | 4,548 |
| Memoranda: | ||
| Average total assets | $215,919,330 | 2,858 |
| Average earning assets | $206,021,000 | 2,774 |
| Average equity | $22,038,000 | 2,946 |
| Average total loans | $151,444,000 | 2,555 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 2,273 |
| Cost of funding earning assets | 0.4480% | 3,452 |
| Net interest margin | 3.9209% | 2,013 |
| Noninterest income to average assets | 0.5487% | 3,056 |
| Noninterest expense to average assets | 2.5223% | 4,544 |
| Loan and lease loss provision to assets | 0.0700% | 2,732 |
| Net operating income to assets | 1.6992% | 578 |
| Return on assets (ROA) | 1.6916% | 601 |
| Pretax return on assets | 1.6916% | 991 |
| Return on Equity (ROE) | 16.3209% | 608 |
| Retained earnings to average equity (ytd only) | 6.4627% | 2,312 |
| Net charge-offs to loans | 0.2352% | 1,377 |
| Credit loss provision to net charge-offs | 43.5294% | 2,270 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,813 |
| Efficiency ratio | 58.7743% | 5,574 |
| Assets per employee ($millions) | 4.3734% | 3,196 |
| Cash dividends to net income (ytd only)* | 60.4027% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,062 |
| Loan loss allowance to noncurrent loans | 373.9796% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 4,913 |
| Noncurrent loans to loans | 0.4064% | 4,916 |
| Net loans and leases to total assets | 67.8719% | 2,240 |
| Net loans and leases to deposits | 76.9129% | 2,697 |
| Net loans and leases to core deposits | 85.4021% | 2,377 |
| Total domestic deposits to total assets | 88.2452% | 2,083 |
| Equity capital to assets | 10.6230% | 3,112 |
| Core capital (leverage) ratio | 10.5001% | 2,932 |
| Tier 1 risk-based capital ratio | 15.4293% | 3,480 |
| Total risk-based capital ratio | 16.6831% | 3,434 |
| Memoranda: | ||
| Average total assets | $211,392,000 | 2,904 |
| Average earning assets | $201,789,000 | 2,834 |
| Average equity | $21,910,500 | 2,951 |
| Average total loans | $144,531,500 | 2,670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3877% | 2,625 |
| Cost of funding earning assets | 0.4836% | 3,779 |
| Net interest margin | 3.9040% | 2,270 |
| Noninterest income to average assets | 0.4168% | 4,324 |
| Noninterest expense to average assets | 2.5839% | 4,519 |
| Loan and lease loss provision to assets | 0.0563% | 4,024 |
| Net operating income to assets | 1.5083% | 808 |
| Return on assets (ROA) | 1.5083% | 847 |
| Pretax return on assets | 1.5083% | 1,419 |
| Return on Equity (ROE) | 15.0292% | 756 |
| Retained earnings to average equity (ytd only) | 6.0593% | 1,934 |
| Net charge-offs to loans | 0.0505% | 4,513 |
| Credit loss provision to net charge-offs | 169.0141% | 1,349 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 833 |
| Efficiency ratio | 62.2853% | 5,162 |
| Assets per employee ($millions) | 4.4346% | 3,019 |
| Cash dividends to net income (ytd only)* | 59.6829% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 2,933 |
| Loan loss allowance to noncurrent loans | 221.1614% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 4,485 |
| Noncurrent loans to loans | 0.7037% | 4,214 |
| Net loans and leases to total assets | 66.7752% | 2,558 |
| Net loans and leases to deposits | 75.1812% | 3,070 |
| Net loans and leases to core deposits | 83.2766% | 2,746 |
| Total domestic deposits to total assets | 88.8190% | 1,738 |
| Equity capital to assets | 10.1103% | 3,622 |
| Core capital (leverage) ratio | 10.1523% | 3,362 |
| Tier 1 risk-based capital ratio | 14.9809% | 3,681 |
| Total risk-based capital ratio | 16.2348% | 3,618 |
| Memoranda: | ||
| Average total assets | $213,282,600 | 2,874 |
| Average earning assets | $203,867,400 | 2,787 |
| Average equity | $21,405,000 | 2,989 |
| Average total loans | $140,619,400 | 2,682 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3674% | 2,702 |
| Cost of funding earning assets | 0.4897% | 3,871 |
| Net interest margin | 3.8777% | 2,353 |
| Noninterest income to average assets | 0.4149% | 4,411 |
| Noninterest expense to average assets | 2.4724% | 4,801 |
| Loan and lease loss provision to assets | 0.0562% | 3,930 |
| Net operating income to assets | 1.5921% | 758 |
| Return on assets (ROA) | 1.5921% | 806 |
| Pretax return on assets | 1.5921% | 1,353 |
| Return on Equity (ROE) | 15.8928% | 662 |
| Retained earnings to average equity (ytd only) | 3.9171% | 3,903 |
| Net charge-offs to loans | 0.0506% | 4,186 |
| Credit loss provision to net charge-offs | 169.8113% | 1,402 |
| Earnings coverage of net charge-offs (x) | 49.7771% | 869 |
| Efficiency ratio | 60.0000% | 5,434 |
| Assets per employee ($millions) | 4.4640% | 2,936 |
| Cash dividends to net income (ytd only)* | 75.3533% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,100 |
| Loan loss allowance to noncurrent loans | 112.6512% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 3,462 |
| Noncurrent loans to loans | 1.4023% | 3,064 |
| Net loans and leases to total assets | 66.3694% | 2,574 |
| Net loans and leases to deposits | 74.8217% | 3,112 |
| Net loans and leases to core deposits | 82.7664% | 2,795 |
| Total domestic deposits to total assets | 88.7034% | 1,721 |
| Equity capital to assets | 10.0674% | 3,810 |
| Core capital (leverage) ratio | 9.8507% | 3,890 |
| Tier 1 risk-based capital ratio | 14.8067% | 3,869 |
| Total risk-based capital ratio | 16.0609% | 3,825 |
| Memoranda: | ||
| Average total assets | $213,387,750 | 2,909 |
| Average earning assets | $203,932,000 | 2,812 |
| Average equity | $21,376,000 | 3,033 |
| Average total loans | $139,677,750 | 2,716 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,899 |
| Cost of funding earning assets | 0.4954% | 3,942 |
| Net interest margin | 3.8170% | 2,488 |
| Noninterest income to average assets | 0.4082% | 4,463 |
| Noninterest expense to average assets | 2.5119% | 4,681 |
| Loan and lease loss provision to assets | 0.0839% | 3,401 |
| Net operating income to assets | 1.4605% | 962 |
| Return on assets (ROA) | 1.4605% | 1,038 |
| Pretax return on assets | 1.4605% | 1,739 |
| Return on Equity (ROE) | 14.6035% | 889 |
| Retained earnings to average equity (ytd only) | 1.1836% | 5,428 |
| Net charge-offs to loans | 0.0733% | 3,661 |
| Credit loss provision to net charge-offs | 176.4706% | 1,345 |
| Earnings coverage of net charge-offs (x) | 32.4902% | 1,088 |
| Efficiency ratio | 61.9256% | 5,183 |
| Assets per employee ($millions) | 4.7024% | 2,509 |
| Cash dividends to net income (ytd only)* | 91.8953% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 3,193 |
| Loan loss allowance to noncurrent loans | 93.5201% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3388% | 3,095 |
| Noncurrent loans to loans | 1.6988% | 2,766 |
| Net loans and leases to total assets | 64.0579% | 2,904 |
| Net loans and leases to deposits | 71.6724% | 3,500 |
| Net loans and leases to core deposits | 78.9153% | 3,179 |
| Total domestic deposits to total assets | 89.3760% | 1,398 |
| Equity capital to assets | 9.4895% | 4,595 |
| Core capital (leverage) ratio | 9.5102% | 4,234 |
| Tier 1 risk-based capital ratio | 14.7473% | 3,945 |
| Total risk-based capital ratio | 16.0018% | 3,907 |
| Memoranda: | ||
| Average total assets | $214,581,670 | 2,908 |
| Average earning assets | $205,082,670 | 2,809 |
| Average equity | $21,460,670 | 3,038 |
| Average total loans | $139,076,330 | 2,735 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,861 |
| Cost of funding earning assets | 0.5077% | 4,003 |
| Net interest margin | 3.8011% | 2,445 |
| Noninterest income to average assets | 0.3874% | 4,561 |
| Noninterest expense to average assets | 2.4331% | 5,004 |
| Loan and lease loss provision to assets | 0.0842% | 3,249 |
| Net operating income to assets | 1.4992% | 857 |
| Return on assets (ROA) | 1.4992% | 937 |
| Pretax return on assets | 1.4992% | 1,556 |
| Return on Equity (ROE) | 14.6118% | 839 |
| Retained earnings to average equity (ytd only) | 5.8557% | 2,757 |
| Net charge-offs to loans | 0.0434% | 3,426 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 56.4000% | 620 |
| Efficiency ratio | 60.5778% | 5,507 |
| Assets per employee ($millions) | 4.5439% | 2,894 |
| Cash dividends to net income (ytd only)* | 59.9251% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 3,277 |
| Loan loss allowance to noncurrent loans | 110.2425% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3326% | 3,293 |
| Noncurrent loans to loans | 1.4775% | 3,344 |
| Net loans and leases to total assets | 63.0058% | 2,882 |
| Net loans and leases to deposits | 71.1347% | 3,306 |
| Net loans and leases to core deposits | 78.4566% | 2,998 |
| Total domestic deposits to total assets | 88.5725% | 1,960 |
| Equity capital to assets | 10.3141% | 3,785 |
| Core capital (leverage) ratio | 9.6476% | 3,852 |
| Tier 1 risk-based capital ratio | 15.4238% | 3,575 |
| Total risk-based capital ratio | 16.6787% | 3,530 |
| Memoranda: | ||
| Average total assets | $213,716,500 | 2,944 |
| Average earning assets | $204,048,000 | 2,853 |
| Average equity | $21,927,500 | 3,033 |
| Average total loans | $138,213,500 | 2,759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 2,389 |
| Cost of funding earning assets | 0.6203% | 4,171 |
| Net interest margin | 4.1316% | 1,884 |
| Noninterest income to average assets | 0.3041% | 5,271 |
| Noninterest expense to average assets | 2.5739% | 4,847 |
| Loan and lease loss provision to assets | 0.0145% | 5,724 |
| Net operating income to assets | 1.6442% | 695 |
| Return on assets (ROA) | 1.6694% | 735 |
| Pretax return on assets | 1.6694% | 1,213 |
| Return on Equity (ROE) | 16.6107% | 584 |
| Retained earnings to average equity (ytd only) | 7.0859% | 1,529 |
| Net charge-offs to loans | 0.0898% | 4,776 |
| Credit loss provision to net charge-offs | 24.1935% | 5,220 |
| Earnings coverage of net charge-offs (x) | 27.6694% | 1,063 |
| Efficiency ratio | 60.8110% | 5,412 |
| Assets per employee ($millions) | 4.6493% | 2,703 |
| Cash dividends to net income (ytd only)* | 57.3414% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 3,425 |
| Loan loss allowance to noncurrent loans | 114.7781% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 3,385 |
| Noncurrent loans to loans | 1.3714% | 3,544 |
| Net loans and leases to total assets | 64.2652% | 2,858 |
| Net loans and leases to deposits | 72.4331% | 3,341 |
| Net loans and leases to core deposits | 79.5536% | 3,070 |
| Total domestic deposits to total assets | 88.7235% | 1,752 |
| Equity capital to assets | 10.2062% | 3,879 |
| Core capital (leverage) ratio | 9.9527% | 3,465 |
| Tier 1 risk-based capital ratio | 14.8804% | 3,786 |
| Total risk-based capital ratio | 16.1351% | 3,735 |
| Memoranda: | ||
| Average total assets | $206,842,400 | 2,963 |
| Average earning assets | $196,680,400 | 2,878 |
| Average equity | $20,787,800 | 3,106 |
| Average total loans | $138,145,000 | 2,739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 2,422 |
| Cost of funding earning assets | 0.6481% | 4,216 |
| Net interest margin | 4.1435% | 1,925 |
| Noninterest income to average assets | 0.2952% | 5,412 |
| Noninterest expense to average assets | 2.4841% | 5,132 |
| Loan and lease loss provision to assets | 0.0195% | 5,557 |
| Net operating income to assets | 1.7319% | 650 |
| Return on assets (ROA) | 1.7657% | 682 |
| Pretax return on assets | 1.7657% | 1,135 |
| Return on Equity (ROE) | 17.6407% | 540 |
| Retained earnings to average equity (ytd only) | 4.7804% | 3,536 |
| Net charge-offs to loans | 0.0281% | 5,267 |
| Credit loss provision to net charge-offs | 103.4483% | 2,845 |
| Earnings coverage of net charge-offs (x) | 92.8862% | 450 |
| Efficiency ratio | 58.6493% | 5,703 |
| Assets per employee ($millions) | 4.2875% | 3,298 |
| Cash dividends to net income (ytd only)* | 72.9013% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 3,362 |
| Loan loss allowance to noncurrent loans | 129.3288% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.1950% | 3,895 |
| Noncurrent loans to loans | 1.2702% | 3,931 |
| Net loans and leases to total assets | 68.1283% | 2,273 |
| Net loans and leases to deposits | 77.2498% | 2,762 |
| Net loans and leases to core deposits | 85.4146% | 2,536 |
| Total domestic deposits to total assets | 88.1922% | 1,924 |
| Equity capital to assets | 10.5275% | 3,811 |
| Core capital (leverage) ratio | 9.4165% | 4,403 |
| Tier 1 risk-based capital ratio | 14.2614% | 4,346 |
| Total risk-based capital ratio | 15.5163% | 4,313 |
| Memoranda: | ||
| Average total assets | $205,085,500 | 3,018 |
| Average earning assets | $195,033,750 | 2,921 |
| Average equity | $20,527,750 | 3,168 |
| Average total loans | $137,770,750 | 2,779 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 2,600 |
| Cost of funding earning assets | 0.6699% | 4,276 |
| Net interest margin | 4.1061% | 2,066 |
| Noninterest income to average assets | 0.2947% | 5,446 |
| Noninterest expense to average assets | 2.5141% | 5,092 |
| Loan and lease loss provision to assets | 0.0291% | 5,308 |
| Net operating income to assets | 1.6560% | 741 |
| Return on assets (ROA) | 1.6735% | 799 |
| Pretax return on assets | 1.6735% | 1,330 |
| Return on Equity (ROE) | 17.0058% | 631 |
| Retained earnings to average equity (ytd only) | 2.2267% | 5,076 |
| Net charge-offs to loans | -0.0190% | 6,418 |
| Credit loss provision to net charge-offs | -230.7692% | 6,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8707% | 5,597 |
| Assets per employee ($millions) | 4.5074% | 2,892 |
| Cash dividends to net income (ytd only)* | 86.9061% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 3,194 |
| Loan loss allowance to noncurrent loans | 121.1728% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 3,969 |
| Noncurrent loans to loans | 1.4098% | 3,800 |
| Net loans and leases to total assets | 63.4199% | 3,160 |
| Net loans and leases to deposits | 71.1306% | 3,748 |
| Net loans and leases to core deposits | 77.9842% | 3,518 |
| Total domestic deposits to total assets | 89.1598% | 1,413 |
| Equity capital to assets | 9.6757% | 4,787 |
| Core capital (leverage) ratio | 9.2644% | 4,508 |
| Tier 1 risk-based capital ratio | 13.9517% | 4,480 |
| Total risk-based capital ratio | 15.2070% | 4,446 |
| Memoranda: | ||
| Average total assets | $206,277,000 | 3,020 |
| Average earning assets | $196,145,670 | 2,919 |
| Average equity | $20,299,000 | 3,191 |
| Average total loans | $137,168,000 | 2,795 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 2,494 |
| Cost of funding earning assets | 0.6902% | 4,364 |
| Net interest margin | 4.1475% | 1,948 |
| Noninterest income to average assets | 0.2968% | 5,498 |
| Noninterest expense to average assets | 2.5102% | 5,117 |
| Loan and lease loss provision to assets | 0.0590% | 4,673 |
| Net operating income to assets | 1.6728% | 757 |
| Return on assets (ROA) | 1.7043% | 794 |
| Pretax return on assets | 1.7043% | 1,287 |
| Return on Equity (ROE) | 17.1687% | 649 |
| Retained earnings to average equity (ytd only) | 6.4754% | 2,706 |
| Net charge-offs to loans | -0.0786% | 6,712 |
| Credit loss provision to net charge-offs | -111.1111% | 5,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1752% | 5,746 |
| Assets per employee ($millions) | 4.4222% | 3,148 |
| Cash dividends to net income (ytd only)* | 62.2837% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7284% | 3,235 |
| Loan loss allowance to noncurrent loans | 114.4737% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.4532% | 3,688 |
| Noncurrent loans to loans | 1.5099% | 3,854 |
| Net loans and leases to total assets | 65.6558% | 2,530 |
| Net loans and leases to deposits | 73.9662% | 3,127 |
| Net loans and leases to core deposits | 81.6902% | 2,872 |
| Total domestic deposits to total assets | 88.7646% | 1,842 |
| Equity capital to assets | 10.0556% | 4,058 |
| Core capital (leverage) ratio | 9.4901% | 4,063 |
| Tier 1 risk-based capital ratio | 14.1311% | 4,373 |
| Total risk-based capital ratio | 15.3871% | 4,331 |
| Memoranda: | ||
| Average total assets | $203,490,500 | 3,064 |
| Average earning assets | $193,560,500 | 2,977 |
| Average equity | $20,199,500 | 3,204 |
| Average total loans | $137,407,000 | 2,818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 2,136 |
| Cost of funding earning assets | 0.8921% | 4,178 |
| Net interest margin | 4.2910% | 1,727 |
| Noninterest income to average assets | 0.3446% | 5,055 |
| Noninterest expense to average assets | 2.7018% | 4,740 |
| Loan and lease loss provision to assets | 0.1206% | 5,093 |
| Net operating income to assets | 1.5915% | 675 |
| Return on assets (ROA) | 1.6433% | 658 |
| Pretax return on assets | 1.6433% | 1,113 |
| Return on Equity (ROE) | 17.5551% | 420 |
| Retained earnings to average equity (ytd only) | 9.5691% | 656 |
| Net charge-offs to loans | 0.1492% | 4,952 |
| Credit loss provision to net charge-offs | 115.9420% | 2,800 |
| Earnings coverage of net charge-offs (x) | 16.4638% | 1,326 |
| Efficiency ratio | 61.2110% | 5,576 |
| Assets per employee ($millions) | 4.3311% | 3,199 |
| Cash dividends to net income (ytd only)* | 45.4907% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 3,377 |
| Loan loss allowance to noncurrent loans | 101.9120% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6521% | 3,474 |
| Noncurrent loans to loans | 1.6191% | 3,730 |
| Net loans and leases to total assets | 67.1131% | 2,561 |
| Net loans and leases to deposits | 75.3847% | 3,279 |
| Net loans and leases to core deposits | 82.4045% | 3,121 |
| Total domestic deposits to total assets | 89.0274% | 1,522 |
| Equity capital to assets | 9.7976% | 4,446 |
| Core capital (leverage) ratio | 9.2065% | 4,453 |
| Tier 1 risk-based capital ratio | 13.8508% | 4,441 |
| Total risk-based capital ratio | 15.1061% | 4,393 |
| Memoranda: | ||
| Average total assets | $199,053,200 | 3,070 |
| Average earning assets | $188,768,800 | 2,981 |
| Average equity | $18,632,800 | 3,336 |
| Average total loans | $138,717,800 | 2,812 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 2,118 |
| Cost of funding earning assets | 0.9308% | 4,190 |
| Net interest margin | 4.2929% | 1,747 |
| Noninterest income to average assets | 0.3227% | 5,287 |
| Noninterest expense to average assets | 2.6561% | 4,881 |
| Loan and lease loss provision to assets | 0.1415% | 4,671 |
| Net operating income to assets | 1.5952% | 785 |
| Return on assets (ROA) | 1.6666% | 745 |
| Pretax return on assets | 1.6666% | 1,211 |
| Return on Equity (ROE) | 18.0201% | 453 |
| Retained earnings to average equity (ytd only) | 7.1818% | 1,871 |
| Net charge-offs to loans | 0.0904% | 5,068 |
| Credit loss provision to net charge-offs | 223.4043% | 1,278 |
| Earnings coverage of net charge-offs (x) | 27.4256% | 994 |
| Efficiency ratio | 60.4662% | 5,643 |
| Assets per employee ($millions) | 4.2173% | 3,413 |
| Cash dividends to net income (ytd only)* | 60.1456% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 3,178 |
| Loan loss allowance to noncurrent loans | 87.9956% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8546% | 3,324 |
| Noncurrent loans to loans | 1.9636% | 3,411 |
| Net loans and leases to total assets | 68.1476% | 2,453 |
| Net loans and leases to deposits | 76.6371% | 3,220 |
| Net loans and leases to core deposits | 83.9518% | 3,073 |
| Total domestic deposits to total assets | 88.9224% | 1,471 |
| Equity capital to assets | 9.6993% | 4,780 |
| Core capital (leverage) ratio | 9.0158% | 4,901 |
| Tier 1 risk-based capital ratio | 13.9060% | 4,414 |
| Total risk-based capital ratio | 15.1635% | 4,374 |
| Memoranda: | ||
| Average total assets | $197,926,250 | 3,098 |
| Average earning assets | $187,652,250 | 3,003 |
| Average equity | $18,305,000 | 3,391 |
| Average total loans | $138,670,250 | 2,837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 2,006 |
| Cost of funding earning assets | 0.9578% | 4,264 |
| Net interest margin | 4.3073% | 1,627 |
| Noninterest income to average assets | 0.3114% | 5,403 |
| Noninterest expense to average assets | 2.6336% | 5,066 |
| Loan and lease loss provision to assets | 0.1820% | 4,102 |
| Net operating income to assets | 1.5832% | 755 |
| Return on assets (ROA) | 1.5993% | 778 |
| Pretax return on assets | 1.5993% | 1,258 |
| Return on Equity (ROE) | 17.5794% | 503 |
| Retained earnings to average equity (ytd only) | 6.3784% | 2,202 |
| Net charge-offs to loans | 0.0820% | 4,822 |
| Credit loss provision to net charge-offs | 315.7895% | 964 |
| Earnings coverage of net charge-offs (x) | 30.6316% | 904 |
| Efficiency ratio | 59.8713% | 5,890 |
| Assets per employee ($millions) | 4.3345% | 3,109 |
| Cash dividends to net income (ytd only)* | 63.7168% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 3,229 |
| Loan loss allowance to noncurrent loans | 141.7014% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 4,225 |
| Noncurrent loans to loans | 1.2203% | 4,626 |
| Net loans and leases to total assets | 67.8936% | 2,638 |
| Net loans and leases to deposits | 75.9491% | 3,486 |
| Net loans and leases to core deposits | 82.9693% | 3,371 |
| Total domestic deposits to total assets | 89.3935% | 1,307 |
| Equity capital to assets | 9.3557% | 5,061 |
| Core capital (leverage) ratio | 9.0150% | 4,695 |
| Tier 1 risk-based capital ratio | 13.4329% | 4,581 |
| Total risk-based capital ratio | 14.6895% | 4,564 |
| Memoranda: | ||
| Average total assets | $197,831,330 | 3,122 |
| Average earning assets | $187,726,000 | 3,034 |
| Average equity | $17,998,330 | 3,417 |
| Average total loans | $139,076,670 | 2,865 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3393% | 1,752 |
| Cost of funding earning assets | 0.9858% | 4,301 |
| Net interest margin | 4.3536% | 1,415 |
| Noninterest income to average assets | 0.3329% | 5,238 |
| Noninterest expense to average assets | 2.5902% | 5,266 |
| Loan and lease loss provision to assets | 0.3045% | 2,731 |
| Net operating income to assets | 1.5711% | 736 |
| Return on assets (ROA) | 1.5711% | 777 |
| Pretax return on assets | 1.5711% | 1,249 |
| Return on Equity (ROE) | 17.5207% | 522 |
| Retained earnings to average equity (ytd only) | 6.1119% | 2,566 |
| Net charge-offs to loans | 0.0830% | 4,120 |
| Credit loss provision to net charge-offs | 517.2414% | 696 |
| Earnings coverage of net charge-offs (x) | 31.8621% | 800 |
| Efficiency ratio | 58.0000% | 6,270 |
| Assets per employee ($millions) | 4.2505% | 3,341 |
| Cash dividends to net income (ytd only)* | 65.1163% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 3,276 |
| Loan loss allowance to noncurrent loans | 146.2815% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2039% | 4,545 |
| Noncurrent loans to loans | 1.1759% | 4,732 |
| Net loans and leases to total assets | 69.5446% | 2,211 |
| Net loans and leases to deposits | 77.5872% | 3,139 |
| Net loans and leases to core deposits | 84.6971% | 3,070 |
| Total domestic deposits to total assets | 89.6341% | 1,403 |
| Equity capital to assets | 9.0976% | 5,058 |
| Core capital (leverage) ratio | 8.8003% | 4,930 |
| Tier 1 risk-based capital ratio | 13.2838% | 4,590 |
| Total risk-based capital ratio | 14.5405% | 4,567 |
| Memoranda: | ||
| Average total assets | $197,053,500 | 3,152 |
| Average earning assets | $187,065,500 | 3,057 |
| Average equity | $17,670,500 | 3,455 |
| Average total loans | $139,738,500 | 2,895 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6519% | 1,743 |
| Cost of funding earning assets | 1.3127% | 3,799 |
| Net interest margin | 4.3392% | 1,682 |
| Noninterest income to average assets | 0.3507% | 5,295 |
| Noninterest expense to average assets | 2.6429% | 5,252 |
| Loan and lease loss provision to assets | 0.3076% | 4,344 |
| Net operating income to assets | 1.4642% | 831 |
| Return on assets (ROA) | 1.4986% | 826 |
| Pretax return on assets | 1.4986% | 1,379 |
| Return on Equity (ROE) | 17.6019% | 415 |
| Retained earnings to average equity (ytd only) | 13.2661% | 197 |
| Net charge-offs to loans | 0.3559% | 4,239 |
| Credit loss provision to net charge-offs | 119.0476% | 3,566 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,255 |
| Efficiency ratio | 59.8653% | 6,067 |
| Assets per employee ($millions) | 4.2251% | 3,335 |
| Cash dividends to net income (ytd only)* | 24.6322% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 3,565 |
| Loan loss allowance to noncurrent loans | 108.9200% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 4,507 |
| Noncurrent loans to loans | 1.4697% | 4,281 |
| Net loans and leases to total assets | 69.9263% | 2,547 |
| Net loans and leases to deposits | 77.9759% | 3,516 |
| Net loans and leases to core deposits | 85.7008% | 3,360 |
| Total domestic deposits to total assets | 89.6768% | 1,284 |
| Equity capital to assets | 8.8392% | 5,375 |
| Core capital (leverage) ratio | 8.5097% | 5,345 |
| Tier 1 risk-based capital ratio | 12.5477% | 4,981 |
| Total risk-based capital ratio | 13.8028% | 4,964 |
| Memoranda: | ||
| Average total assets | $195,050,200 | 3,162 |
| Average earning assets | $182,682,200 | 3,096 |
| Average equity | $16,606,200 | 3,660 |
| Average total loans | $141,617,200 | 2,914 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 1,893 |
| Cost of funding earning assets | 1.3956% | 3,613 |
| Net interest margin | 4.2516% | 2,025 |
| Noninterest income to average assets | 0.3646% | 5,240 |
| Noninterest expense to average assets | 2.6238% | 5,230 |
| Loan and lease loss provision to assets | 0.3090% | 4,108 |
| Net operating income to assets | 1.4001% | 1,105 |
| Return on assets (ROA) | 1.4022% | 1,171 |
| Pretax return on assets | 1.4022% | 1,872 |
| Return on Equity (ROE) | 16.6322% | 633 |
| Retained earnings to average equity (ytd only) | 10.7677% | 637 |
| Net charge-offs to loans | 0.0903% | 5,623 |
| Credit loss provision to net charge-offs | 468.7500% | 634 |
| Earnings coverage of net charge-offs (x) | 25.9264% | 979 |
| Efficiency ratio | 60.5547% | 5,862 |
| Assets per employee ($millions) | 4.0872% | 3,670 |
| Cash dividends to net income (ytd only)* | 35.2597% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 2,819 |
| Loan loss allowance to noncurrent loans | 90.3770% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 1.6372% | 3,982 |
| Noncurrent loans to loans | 1.9800% | 3,707 |
| Net loans and leases to total assets | 71.9131% | 2,267 |
| Net loans and leases to deposits | 80.4490% | 3,366 |
| Net loans and leases to core deposits | 87.7578% | 3,403 |
| Total domestic deposits to total assets | 89.3897% | 1,181 |
| Equity capital to assets | 8.9361% | 5,663 |
| Core capital (leverage) ratio | 8.2812% | 5,908 |
| Tier 1 risk-based capital ratio | 12.6410% | 4,861 |
| Total risk-based capital ratio | 13.9000% | 4,840 |
| Memoranda: | ||
| Average total assets | $194,167,250 | 3,218 |
| Average earning assets | $181,231,000 | 3,153 |
| Average equity | $16,369,500 | 3,743 |
| Average total loans | $141,741,500 | 2,948 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 1,834 |
| Cost of funding earning assets | 1.4478% | 3,573 |
| Net interest margin | 4.2329% | 2,047 |
| Noninterest income to average assets | 0.3479% | 5,371 |
| Noninterest expense to average assets | 2.5393% | 5,573 |
| Loan and lease loss provision to assets | 0.3079% | 3,921 |
| Net operating income to assets | 1.4287% | 1,039 |
| Return on assets (ROA) | 1.4287% | 1,113 |
| Pretax return on assets | 1.4287% | 1,756 |
| Return on Equity (ROE) | 17.2876% | 545 |
| Retained earnings to average equity (ytd only) | 12.8167% | 399 |
| Net charge-offs to loans | 0.1365% | 4,854 |
| Credit loss provision to net charge-offs | 309.2784% | 1,182 |
| Earnings coverage of net charge-offs (x) | 17.4433% | 1,343 |
| Efficiency ratio | 59.3855% | 6,164 |
| Assets per employee ($millions) | 4.2607% | 3,282 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 3,102 |
| Loan loss allowance to noncurrent loans | 104.9224% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.6868% | 3,912 |
| Noncurrent loans to loans | 1.6161% | 4,286 |
| Net loans and leases to total assets | 69.9860% | 2,898 |
| Net loans and leases to deposits | 78.7158% | 3,851 |
| Net loans and leases to core deposits | 83.5920% | 4,191 |
| Total domestic deposits to total assets | 88.9098% | 1,490 |
| Equity capital to assets | 8.5167% | 6,142 |
| Core capital (leverage) ratio | 8.1695% | 5,999 |
| Tier 1 risk-based capital ratio | 12.3674% | 4,977 |
| Total risk-based capital ratio | 13.6247% | 4,954 |
| Memoranda: | ||
| Average total assets | $194,857,330 | 3,239 |
| Average earning assets | $180,822,670 | 3,187 |
| Average equity | $16,104,000 | 3,780 |
| Average total loans | $142,102,000 | 2,975 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7027% | 1,767 |
| Cost of funding earning assets | 1.5105% | 3,490 |
| Net interest margin | 4.1922% | 2,072 |
| Noninterest income to average assets | 0.3418% | 5,406 |
| Noninterest expense to average assets | 2.4952% | 5,745 |
| Loan and lease loss provision to assets | 0.3088% | 3,570 |
| Net operating income to assets | 1.4288% | 1,016 |
| Return on assets (ROA) | 1.4288% | 1,088 |
| Pretax return on assets | 1.4288% | 1,698 |
| Return on Equity (ROE) | 17.5585% | 553 |
| Retained earnings to average equity (ytd only) | 17.5585% | 260 |
| Net charge-offs to loans | 0.0474% | 4,928 |
| Credit loss provision to net charge-offs | 882.3529% | 525 |
| Earnings coverage of net charge-offs (x) | 49.6471% | 584 |
| Efficiency ratio | 58.9494% | 6,348 |
| Assets per employee ($millions) | 4.2247% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 3,371 |
| Loan loss allowance to noncurrent loans | 76.2791% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.6729% | 3,962 |
| Noncurrent loans to loans | 2.1199% | 3,624 |
| Net loans and leases to total assets | 71.8803% | 2,480 |
| Net loans and leases to deposits | 81.2142% | 3,424 |
| Net loans and leases to core deposits | 86.4937% | 3,823 |
| Total domestic deposits to total assets | 88.5071% | 1,784 |
| Equity capital to assets | 8.3227% | 6,274 |
| Core capital (leverage) ratio | 8.0728% | 6,126 |
| Tier 1 risk-based capital ratio | 12.1208% | 5,066 |
| Total risk-based capital ratio | 13.3775% | 5,026 |
| Memoranda: | ||
| Average total assets | $194,290,000 | 3,297 |
| Average earning assets | $180,335,000 | 3,245 |
| Average equity | $15,810,000 | 3,866 |
| Average total loans | $143,386,500 | 3,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0878% | 1,553 |
| Cost of funding earning assets | 2.0114% | 2,911 |
| Net interest margin | 4.0764% | 2,545 |
| Noninterest income to average assets | 0.4328% | 4,930 |
| Noninterest expense to average assets | 2.6058% | 5,782 |
| Loan and lease loss provision to assets | 1.1644% | 1,967 |
| Net operating income to assets | 0.5094% | 3,690 |
| Return on assets (ROA) | 0.5094% | 3,781 |
| Pretax return on assets | 0.5094% | 4,158 |
| Return on Equity (ROE) | 6.4933% | 2,998 |
| Retained earnings to average equity (ytd only) | 4.0532% | 2,383 |
| Net charge-offs to loans | 0.9193% | 2,550 |
| Credit loss provision to net charge-offs | 161.5044% | 2,743 |
| Earnings coverage of net charge-offs (x) | 2.3215% | 3,987 |
| Efficiency ratio | 60.8896% | 6,350 |
| Assets per employee ($millions) | 4.2227% | 3,394 |
| Cash dividends to net income (ytd only)* | 37.5783% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,761 |
| Loan loss allowance to noncurrent loans | 71.0812% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 3,685 |
| Noncurrent loans to loans | 2.1017% | 3,514 |
| Net loans and leases to total assets | 73.4256% | 2,398 |
| Net loans and leases to deposits | 82.6236% | 3,514 |
| Net loans and leases to core deposits | 102.3465% | 3,766 |
| Total domestic deposits to total assets | 88.8676% | 1,533 |
| Equity capital to assets | 7.9519% | 6,626 |
| Core capital (leverage) ratio | 7.6449% | 6,623 |
| Tier 1 risk-based capital ratio | 11.2754% | 5,637 |
| Total risk-based capital ratio | 12.5299% | 5,588 |
| Memoranda: | ||
| Average total assets | $188,081,600 | 3,312 |
| Average earning assets | $177,486,600 | 3,246 |
| Average equity | $14,753,600 | 4,108 |
| Average total loans | $147,508,000 | 2,960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1485% | 1,496 |
| Cost of funding earning assets | 2.0953% | 2,907 |
| Net interest margin | 4.0532% | 2,581 |
| Noninterest income to average assets | 0.4589% | 4,831 |
| Noninterest expense to average assets | 2.6753% | 5,432 |
| Loan and lease loss provision to assets | 1.3544% | 1,424 |
| Net operating income to assets | 0.2673% | 4,917 |
| Return on assets (ROA) | 0.2673% | 5,016 |
| Pretax return on assets | 0.2673% | 5,146 |
| Return on Equity (ROE) | 3.4200% | 4,611 |
| Retained earnings to average equity (ytd only) | 0.1280% | 5,145 |
| Net charge-offs to loans | 1.1679% | 1,733 |
| Credit loss provision to net charge-offs | 145.9938% | 3,331 |
| Earnings coverage of net charge-offs (x) | 1.7481% | 4,486 |
| Efficiency ratio | 62.2588% | 6,063 |
| Assets per employee ($millions) | 4.1526% | 3,456 |
| Cash dividends to net income (ytd only)* | 96.2579% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3135% | 4,417 |
| Loan loss allowance to noncurrent loans | 85.2212% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 1.5548% | 4,035 |
| Noncurrent loans to loans | 1.5413% | 4,331 |
| Net loans and leases to total assets | 75.7508% | 2,046 |
| Net loans and leases to deposits | 85.2109% | 3,464 |
| Net loans and leases to core deposits | 107.7014% | 3,507 |
| Total domestic deposits to total assets | 88.8981% | 1,240 |
| Equity capital to assets | 7.8128% | 7,028 |
| Core capital (leverage) ratio | 7.3735% | 7,106 |
| Tier 1 risk-based capital ratio | 10.6800% | 6,265 |
| Total risk-based capital ratio | 11.9324% | 6,243 |
| Memoranda: | ||
| Average total assets | $186,541,250 | 3,361 |
| Average earning assets | $176,647,000 | 3,281 |
| Average equity | $14,580,500 | 4,173 |
| Average total loans | $148,188,250 | 2,978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2076% | 1,429 |
| Cost of funding earning assets | 2.1729% | 2,919 |
| Net interest margin | 4.0347% | 2,559 |
| Noninterest income to average assets | 0.4280% | 5,054 |
| Noninterest expense to average assets | 2.6901% | 5,420 |
| Loan and lease loss provision to assets | 1.3510% | 1,281 |
| Net operating income to assets | 0.1999% | 5,263 |
| Return on assets (ROA) | 0.1999% | 5,345 |
| Pretax return on assets | 0.1999% | 5,467 |
| Return on Equity (ROE) | 2.5577% | 5,074 |
| Retained earnings to average equity (ytd only) | -2.4195% | 5,843 |
| Net charge-offs to loans | 1.5171% | 1,253 |
| Credit loss provision to net charge-offs | 110.8156% | 4,179 |
| Earnings coverage of net charge-offs (x) | 1.2722% | 4,576 |
| Efficiency ratio | 63.4302% | 6,017 |
| Assets per employee ($millions) | 4.1424% | 3,411 |
| Cash dividends to net income (ytd only)* | 194.5946% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,370 |
| Loan loss allowance to noncurrent loans | 46.2544% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.6524% | 3,725 |
| Noncurrent loans to loans | 2.1212% | 3,351 |
| Net loans and leases to total assets | 75.2166% | 2,388 |
| Net loans and leases to deposits | 84.1924% | 3,844 |
| Net loans and leases to core deposits | 105.9739% | 3,845 |
| Total domestic deposits to total assets | 89.3390% | 1,105 |
| Equity capital to assets | 7.4189% | 7,339 |
| Core capital (leverage) ratio | 7.4359% | 7,093 |
| Tier 1 risk-based capital ratio | 10.5239% | 6,356 |
| Total risk-based capital ratio | 11.6055% | 6,462 |
| Memoranda: | ||
| Average total assets | $185,048,000 | 3,406 |
| Average earning assets | $174,882,670 | 3,331 |
| Average equity | $14,466,000 | 4,203 |
| Average total loans | $148,709,000 | 3,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1961% | 1,615 |
| Cost of funding earning assets | 2.2245% | 3,039 |
| Net interest margin | 3.9716% | 2,768 |
| Noninterest income to average assets | 0.4439% | 4,846 |
| Noninterest expense to average assets | 2.8142% | 4,499 |
| Loan and lease loss provision to assets | 1.1097% | 1,178 |
| Net operating income to assets | 0.3041% | 5,283 |
| Return on assets (ROA) | 0.3041% | 5,454 |
| Pretax return on assets | 0.3041% | 5,672 |
| Return on Equity (ROE) | 3.7853% | 5,035 |
| Retained earnings to average equity (ytd only) | -6.1615% | 6,705 |
| Net charge-offs to loans | 1.0971% | 1,241 |
| Credit loss provision to net charge-offs | 122.2494% | 3,229 |
| Earnings coverage of net charge-offs (x) | 1.5575% | 3,946 |
| Efficiency ratio | 66.5617% | 5,221 |
| Assets per employee ($millions) | 3.7496% | 4,234 |
| Cash dividends to net income (ytd only)* | 262.7737% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 6,425 |
| Loan loss allowance to noncurrent loans | 37.1048% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 2.2319% | 2,566 |
| Noncurrent loans to loans | 2.5904% | 2,544 |
| Net loans and leases to total assets | 81.2958% | 1,137 |
| Net loans and leases to deposits | 91.9643% | 2,610 |
| Net loans and leases to core deposits | 114.8071% | 2,926 |
| Total domestic deposits to total assets | 88.3993% | 1,525 |
| Equity capital to assets | 8.0364% | 6,754 |
| Core capital (leverage) ratio | 7.8203% | 6,720 |
| Tier 1 risk-based capital ratio | 10.7011% | 6,184 |
| Total risk-based capital ratio | 11.7810% | 6,278 |
| Memoranda: | ||
| Average total assets | $180,226,500 | 3,506 |
| Average earning assets | $171,721,000 | 3,394 |
| Average equity | $14,477,000 | 4,232 |
| Average total loans | $149,118,000 | 3,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9340% | 1,296 |
| Cost of funding earning assets | 2.8414% | 2,518 |
| Net interest margin | 4.0926% | 2,744 |
| Noninterest income to average assets | 0.4884% | 4,708 |
| Noninterest expense to average assets | 2.6297% | 5,539 |
| Loan and lease loss provision to assets | 0.2118% | 4,775 |
| Net operating income to assets | 1.5071% | 1,006 |
| Return on assets (ROA) | 1.5099% | 968 |
| Pretax return on assets | 1.5099% | 1,656 |
| Return on Equity (ROE) | 19.3222% | 429 |
| Retained earnings to average equity (ytd only) | 1.5464% | 4,295 |
| Net charge-offs to loans | 0.2490% | 3,782 |
| Credit loss provision to net charge-offs | 103.5912% | 5,164 |
| Earnings coverage of net charge-offs (x) | 8.4088% | 2,888 |
| Efficiency ratio | 60.4727% | 6,267 |
| Assets per employee ($millions) | 3.9233% | 3,669 |
| Cash dividends to net income (ytd only)* | 91.9970% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,762 |
| Loan loss allowance to noncurrent loans | 38.3108% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 2,490 |
| Noncurrent loans to loans | 2.3050% | 2,401 |
| Net loans and leases to total assets | 82.6555% | 1,108 |
| Net loans and leases to deposits | 93.3970% | 2,876 |
| Net loans and leases to core deposits | 116.4926% | 3,067 |
| Total domestic deposits to total assets | 88.4990% | 1,248 |
| Equity capital to assets | 8.0289% | 6,806 |
| Core capital (leverage) ratio | 7.9922% | 6,507 |
| Tier 1 risk-based capital ratio | 10.6154% | 6,083 |
| Total risk-based capital ratio | 11.6023% | 6,235 |
| Memoranda: | ||
| Average total assets | $177,095,600 | 3,447 |
| Average earning assets | $167,033,200 | 3,371 |
| Average equity | $13,839,000 | 4,378 |
| Average total loans | $145,408,400 | 3,004 |