Home > The City National Bank of Metropolis > Performance and Condition Ratios
The City National Bank of Metropolis, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 3,589 |
| Cost of funding earning assets | 1.6098% | 1,664 |
| Net interest margin | 2.6090% | 3,949 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.9547% | 3,723 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5536% | 3,558 |
| Return on assets (ROA) | 0.5536% | 3,547 |
| Pretax return on assets | 0.7075% | 3,422 |
| Return on Equity (ROE) | 6.6200% | 3,386 |
| Retained earnings to average equity (ytd only) | 1.7040% | 3,650 |
| Net charge-offs to loans | -0.0009% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.9412% | 1,667 |
| Assets per employee ($millions) | 8.8175% | 1,052 |
| Cash dividends to net income (ytd only)* | 74.2764% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 957 |
| Loan loss allowance to noncurrent loans | 102.1414% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.8132% | 625 |
| Noncurrent loans to loans | 1.5110% | 453 |
| Net loans and leases to total assets | 50.3800% | 3,578 |
| Net loans and leases to deposits | 63.4918% | 3,316 |
| Net loans and leases to core deposits | 80.6569% | 2,670 |
| Total domestic deposits to total assets | 79.3600% | 3,555 |
| Equity capital to assets | 8.8694% | 2,775 |
| Core capital (leverage) ratio | 12.5863% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2016% | 412 |
| Memoranda: | ||
| Average total assets | $443,095,600 | 1,882 |
| Average earning assets | $419,623,400 | 1,837 |
| Average equity | $37,030,400 | 1,978 |
| Average total loans | $221,885,600 | 2,151 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0902% | 3,681 |
| Cost of funding earning assets | 1.4625% | 1,698 |
| Net interest margin | 2.6278% | 3,987 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.8933% | 3,814 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6245% | 3,484 |
| Return on assets (ROA) | 0.6245% | 3,480 |
| Pretax return on assets | 0.7922% | 3,352 |
| Return on Equity (ROE) | 7.5900% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.2213% | 3,202 |
| Net charge-offs to loans | 0.0193% | 1,741 |
| Credit loss provision to net charge-offs | 665.6250% | 529 |
| Earnings coverage of net charge-offs (x) | 89.0313% | 982 |
| Efficiency ratio | 68.8600% | 1,923 |
| Assets per employee ($millions) | 8.7880% | 1,009 |
| Cash dividends to net income (ytd only)* | 44.3696% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,013 |
| Loan loss allowance to noncurrent loans | 128.3515% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 953 |
| Noncurrent loans to loans | 1.1996% | 652 |
| Net loans and leases to total assets | 49.7400% | 3,633 |
| Net loans and leases to deposits | 61.6702% | 3,422 |
| Net loans and leases to core deposits | 76.7687% | 2,818 |
| Total domestic deposits to total assets | 80.6600% | 3,437 |
| Equity capital to assets | 7.7795% | 3,194 |
| Core capital (leverage) ratio | 12.8138% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3650% | 410 |
| Memoranda: | ||
| Average total assets | $443,651,000 | 1,880 |
| Average earning assets | $419,916,000 | 1,837 |
| Average equity | $36,512,250 | 1,984 |
| Average total loans | $220,954,000 | 2,151 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9716% | 3,747 |
| Cost of funding earning assets | 1.3081% | 1,685 |
| Net interest margin | 2.6636% | 4,019 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9467% | 3,721 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.5694% | 3,658 |
| Return on assets (ROA) | 0.5694% | 3,664 |
| Pretax return on assets | 0.7365% | 3,527 |
| Return on Equity (ROE) | 6.8000% | 3,521 |
| Retained earnings to average equity (ytd only) | 1.8504% | 3,753 |
| Net charge-offs to loans | 0.0354% | 1,193 |
| Credit loss provision to net charge-offs | 546.1538% | 613 |
| Earnings coverage of net charge-offs (x) | 47.4872% | 1,313 |
| Efficiency ratio | 70.0517% | 1,759 |
| Assets per employee ($millions) | 8.8550% | 954 |
| Cash dividends to net income (ytd only)* | 72.7703% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,055 |
| Loan loss allowance to noncurrent loans | 114.7326% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 786 |
| Noncurrent loans to loans | 1.3461% | 527 |
| Net loans and leases to total assets | 49.1100% | 3,611 |
| Net loans and leases to deposits | 61.0189% | 3,362 |
| Net loans and leases to core deposits | 75.6319% | 2,779 |
| Total domestic deposits to total assets | 80.4900% | 3,505 |
| Equity capital to assets | 8.3901% | 2,956 |
| Core capital (leverage) ratio | 12.7339% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2277% | 422 |
| Memoranda: | ||
| Average total assets | $445,067,667 | 1,872 |
| Average earning assets | $421,538,667 | 1,838 |
| Average equity | $37,288,667 | 1,967 |
| Average total loans | $220,610,667 | 2,150 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,759 |
| Cost of funding earning assets | 1.1779% | 1,509 |
| Net interest margin | 2.6788% | 4,096 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.8968% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7270% | 3,406 |
| Return on assets (ROA) | 0.7270% | 3,364 |
| Pretax return on assets | 0.8937% | 3,255 |
| Return on Equity (ROE) | 8.6800% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.0065% | 2,762 |
| Net charge-offs to loans | 0.0181% | 1,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 99.7000% | 790 |
| Efficiency ratio | 67.9730% | 1,978 |
| Assets per employee ($millions) | 8.9581% | 952 |
| Cash dividends to net income (ytd only)* | 30.8261% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 1,380 |
| Loan loss allowance to noncurrent loans | 129.3387% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 931 |
| Noncurrent loans to loans | 1.1335% | 627 |
| Net loans and leases to total assets | 48.4200% | 3,600 |
| Net loans and leases to deposits | 58.9409% | 3,400 |
| Net loans and leases to core deposits | 72.6472% | 2,771 |
| Total domestic deposits to total assets | 82.1500% | 3,461 |
| Equity capital to assets | 8.7128% | 2,727 |
| Core capital (leverage) ratio | 12.6002% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0660% | 434 |
| Memoranda: | ||
| Average total assets | $446,227,000 | 1,890 |
| Average earning assets | $422,434,500 | 1,858 |
| Average equity | $37,359,500 | 1,990 |
| Average total loans | $220,488,500 | 2,167 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 3,827 |
| Cost of funding earning assets | 0.6431% | 747 |
| Net interest margin | 2.5496% | 4,234 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.9425% | 3,740 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.5735% | 3,938 |
| Return on assets (ROA) | 0.6070% | 3,817 |
| Pretax return on assets | 0.7895% | 3,653 |
| Return on Equity (ROE) | 6.5800% | 3,714 |
| Retained earnings to average equity (ytd only) | 2.9599% | 3,731 |
| Net charge-offs to loans | 0.0555% | 1,106 |
| Credit loss provision to net charge-offs | 35.0877% | 1,878 |
| Earnings coverage of net charge-offs (x) | 30.5088% | 1,674 |
| Efficiency ratio | 71.9900% | 1,444 |
| Assets per employee ($millions) | 8.8910% | 955 |
| Cash dividends to net income (ytd only)* | 54.9946% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,166 |
| Loan loss allowance to noncurrent loans | 118.8122% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 777 |
| Noncurrent loans to loans | 1.2732% | 541 |
| Net loans and leases to total assets | 48.9300% | 3,594 |
| Net loans and leases to deposits | 59.0503% | 3,393 |
| Net loans and leases to core deposits | 70.1581% | 2,860 |
| Total domestic deposits to total assets | 82.8600% | 3,448 |
| Equity capital to assets | 8.0292% | 3,045 |
| Core capital (leverage) ratio | 12.4516% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6199% | 438 |
| Memoranda: | ||
| Average total assets | $460,169,600 | 1,833 |
| Average earning assets | $438,348,400 | 1,793 |
| Average equity | $42,467,200 | 1,844 |
| Average total loans | $205,375,400 | 2,193 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 3,757 |
| Cost of funding earning assets | 0.5823% | 479 |
| Net interest margin | 2.4821% | 4,224 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.7405% | 4,092 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6575% | 3,675 |
| Return on assets (ROA) | 0.6895% | 3,553 |
| Pretax return on assets | 0.8705% | 3,419 |
| Return on Equity (ROE) | 7.2500% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.2897% | 2,998 |
| Net charge-offs to loans | -0.0417% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4085% | 2,100 |
| Assets per employee ($millions) | 8.9436% | 912 |
| Cash dividends to net income (ytd only)* | 27.0000% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 926 |
| Loan loss allowance to noncurrent loans | 134.9962% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 908 |
| Noncurrent loans to loans | 1.2363% | 588 |
| Net loans and leases to total assets | 46.3500% | 3,735 |
| Net loans and leases to deposits | 55.6005% | 3,510 |
| Net loans and leases to core deposits | 64.4332% | 3,076 |
| Total domestic deposits to total assets | 83.3600% | 3,632 |
| Equity capital to assets | 7.7358% | 3,062 |
| Core capital (leverage) ratio | 12.5099% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5024% | 407 |
| Memoranda: | ||
| Average total assets | $464,074,500 | 1,826 |
| Average earning assets | $443,263,000 | 1,787 |
| Average equity | $44,160,500 | 1,807 |
| Average total loans | $201,503,250 | 2,217 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9025% | 3,771 |
| Cost of funding earning assets | 0.5656% | 354 |
| Net interest margin | 2.3369% | 4,292 |
| Noninterest income to average assets | 0.2333% | 3,783 |
| Noninterest expense to average assets | 1.6321% | 4,254 |
| Loan and lease loss provision to assets | 0.0170% | 2,296 |
| Net operating income to assets | 0.6452% | 3,491 |
| Return on assets (ROA) | 0.6455% | 3,440 |
| Pretax return on assets | 0.8243% | 3,265 |
| Return on Equity (ROE) | 6.4034% | 3,472 |
| Retained earnings to average equity (ytd only) | 3.6663% | 3,216 |
| Net charge-offs to loans | -0.0474% | 4,216 |
| Credit loss provision to net charge-offs | -85.1064% | 3,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9952% | 2,510 |
| Assets per employee ($millions) | 9.3033% | 805 |
| Cash dividends to net income (ytd only)* | 42.7441% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 915 |
| Loan loss allowance to noncurrent loans | 122.9635% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6506% | 843 |
| Noncurrent loans to loans | 1.4066% | 535 |
| Net loans and leases to total assets | 43.6470% | 3,860 |
| Net loans and leases to deposits | 52.8229% | 3,622 |
| Net loans and leases to core deposits | 62.7870% | 3,052 |
| Total domestic deposits to total assets | 82.6290% | 3,926 |
| Equity capital to assets | 8.5146% | 2,752 |
| Core capital (leverage) ratio | 12.0650% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8651% | 373 |
| Memoranda: | ||
| Average total assets | $469,705,667 | 1,818 |
| Average earning assets | $450,166,667 | 1,785 |
| Average equity | $47,349,667 | 1,750 |
| Average total loans | $198,407,667 | 2,247 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8298% | 3,688 |
| Cost of funding earning assets | 0.5417% | 390 |
| Net interest margin | 2.2880% | 4,252 |
| Noninterest income to average assets | 0.2182% | 3,850 |
| Noninterest expense to average assets | 1.5115% | 4,413 |
| Loan and lease loss provision to assets | 0.0252% | 1,911 |
| Net operating income to assets | 0.7095% | 3,021 |
| Return on assets (ROA) | 0.7075% | 3,019 |
| Pretax return on assets | 0.8837% | 2,839 |
| Return on Equity (ROE) | 6.5327% | 3,185 |
| Retained earnings to average equity (ytd only) | 6.5327% | 2,063 |
| Net charge-offs to loans | -0.0570% | 4,304 |
| Credit loss provision to net charge-offs | -107.1429% | 2,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3831% | 3,218 |
| Assets per employee ($millions) | 9.6474% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 925 |
| Loan loss allowance to noncurrent loans | 133.0651% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6090% | 979 |
| Noncurrent loans to loans | 1.3300% | 655 |
| Net loans and leases to total assets | 40.7769% | 3,959 |
| Net loans and leases to deposits | 50.1583% | 3,721 |
| Net loans and leases to core deposits | 60.2519% | 3,121 |
| Total domestic deposits to total assets | 81.2964% | 4,168 |
| Equity capital to assets | 9.9501% | 1,932 |
| Core capital (leverage) ratio | 11.9531% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7905% | 341 |
| Memoranda: | ||
| Average total assets | $476,627,500 | 1,806 |
| Average earning assets | $459,256,000 | 1,759 |
| Average equity | $51,617,000 | 1,691 |
| Average total loans | $196,375,500 | 2,253 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0554% | 3,769 |
| Cost of funding earning assets | 0.5997% | 545 |
| Net interest margin | 2.4557% | 4,247 |
| Noninterest income to average assets | 0.1999% | 4,166 |
| Noninterest expense to average assets | 1.6608% | 4,351 |
| Loan and lease loss provision to assets | 0.0508% | 2,044 |
| Net operating income to assets | 0.7053% | 3,612 |
| Return on assets (ROA) | 0.7646% | 3,502 |
| Pretax return on assets | 0.9416% | 3,392 |
| Return on Equity (ROE) | 6.3575% | 3,685 |
| Retained earnings to average equity (ytd only) | 3.7406% | 3,319 |
| Net charge-offs to loans | -0.0301% | 4,125 |
| Credit loss provision to net charge-offs | -387.0968% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3712% | 2,503 |
| Assets per employee ($millions) | 9.8068% | 705 |
| Cash dividends to net income (ytd only)* | 41.1618% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7378% | 966 |
| Loan loss allowance to noncurrent loans | 125.2751% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6358% | 1,033 |
| Noncurrent loans to loans | 1.3872% | 673 |
| Net loans and leases to total assets | 40.1849% | 4,084 |
| Net loans and leases to deposits | 50.6680% | 3,839 |
| Net loans and leases to core deposits | 61.1624% | 3,235 |
| Total domestic deposits to total assets | 79.3101% | 4,284 |
| Equity capital to assets | 11.6949% | 1,394 |
| Core capital (leverage) ratio | 11.8406% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7715% | 321 |
| Memoranda: | ||
| Average total assets | $472,789,200 | 1,765 |
| Average earning assets | $458,232,400 | 1,717 |
| Average equity | $56,861,800 | 1,584 |
| Average total loans | $206,110,400 | 2,196 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1301% | 3,746 |
| Cost of funding earning assets | 0.6105% | 607 |
| Net interest margin | 2.5196% | 4,239 |
| Noninterest income to average assets | 0.1937% | 4,236 |
| Noninterest expense to average assets | 1.6746% | 4,362 |
| Loan and lease loss provision to assets | 0.0510% | 1,975 |
| Net operating income to assets | 0.7398% | 3,676 |
| Return on assets (ROA) | 0.7756% | 3,649 |
| Pretax return on assets | 0.9534% | 3,580 |
| Return on Equity (ROE) | 6.3940% | 3,821 |
| Retained earnings to average equity (ytd only) | 4.9373% | 3,241 |
| Net charge-offs to loans | -0.0633% | 4,445 |
| Credit loss provision to net charge-offs | -181.8182% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5572% | 2,460 |
| Assets per employee ($millions) | 9.5459% | 751 |
| Cash dividends to net income (ytd only)* | 22.7820% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 1,152 |
| Loan loss allowance to noncurrent loans | 107.2739% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7201% | 1,023 |
| Noncurrent loans to loans | 1.5640% | 661 |
| Net loans and leases to total assets | 41.6477% | 4,115 |
| Net loans and leases to deposits | 52.9227% | 3,816 |
| Net loans and leases to core deposits | 65.0221% | 3,043 |
| Total domestic deposits to total assets | 78.6952% | 4,358 |
| Equity capital to assets | 12.1210% | 1,345 |
| Core capital (leverage) ratio | 12.0889% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4365% | 322 |
| Memoranda: | ||
| Average total assets | $470,853,000 | 1,788 |
| Average earning assets | $456,204,750 | 1,743 |
| Average equity | $57,114,750 | 1,600 |
| Average total loans | $208,508,750 | 2,211 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 4,018 |
| Cost of funding earning assets | 0.6191% | 673 |
| Net interest margin | 2.3942% | 4,429 |
| Noninterest income to average assets | 0.1993% | 4,203 |
| Noninterest expense to average assets | 1.6889% | 4,372 |
| Loan and lease loss provision to assets | 0.0512% | 2,010 |
| Net operating income to assets | 0.6033% | 3,979 |
| Return on assets (ROA) | 0.6128% | 4,011 |
| Pretax return on assets | 0.7911% | 3,883 |
| Return on Equity (ROE) | 5.0502% | 4,116 |
| Retained earnings to average equity (ytd only) | 2.8557% | 3,885 |
| Net charge-offs to loans | -0.0769% | 4,538 |
| Credit loss provision to net charge-offs | -148.1481% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0393% | 2,007 |
| Assets per employee ($millions) | 9.7137% | 668 |
| Cash dividends to net income (ytd only)* | 43.4540% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 1,462 |
| Loan loss allowance to noncurrent loans | 103.6597% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 1,074 |
| Noncurrent loans to loans | 1.4834% | 768 |
| Net loans and leases to total assets | 44.5850% | 4,006 |
| Net loans and leases to deposits | 57.3605% | 3,611 |
| Net loans and leases to core deposits | 70.8702% | 2,699 |
| Total domestic deposits to total assets | 77.7276% | 4,458 |
| Equity capital to assets | 11.8417% | 1,440 |
| Core capital (leverage) ratio | 11.7232% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6303% | 315 |
| Memoranda: | ||
| Average total assets | $468,705,000 | 1,790 |
| Average earning assets | $454,189,667 | 1,745 |
| Average equity | $56,868,667 | 1,600 |
| Average total loans | $210,620,000 | 2,206 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9267% | 4,220 |
| Cost of funding earning assets | 0.6278% | 768 |
| Net interest margin | 2.2989% | 4,524 |
| Noninterest income to average assets | 0.1952% | 4,218 |
| Noninterest expense to average assets | 1.7864% | 4,238 |
| Loan and lease loss provision to assets | 0.0516% | 2,072 |
| Net operating income to assets | 0.4008% | 4,358 |
| Return on assets (ROA) | 0.3913% | 4,400 |
| Pretax return on assets | 0.5720% | 4,236 |
| Return on Equity (ROE) | 3.1862% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.1862% | 3,722 |
| Net charge-offs to loans | -0.1345% | 4,713 |
| Credit loss provision to net charge-offs | -85.7143% | 2,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7571% | 1,334 |
| Assets per employee ($millions) | 9.6298% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5366% | 1,475 |
| Loan loss allowance to noncurrent loans | 70.0130% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 797 |
| Noncurrent loans to loans | 2.1947% | 457 |
| Net loans and leases to total assets | 44.0411% | 4,109 |
| Net loans and leases to deposits | 56.9045% | 3,727 |
| Net loans and leases to core deposits | 70.2077% | 2,847 |
| Total domestic deposits to total assets | 77.3947% | 4,489 |
| Equity capital to assets | 12.1006% | 1,242 |
| Core capital (leverage) ratio | 12.6046% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9283% | 274 |
| Memoranda: | ||
| Average total assets | $465,072,500 | 1,792 |
| Average earning assets | $450,471,000 | 1,743 |
| Average equity | $57,121,500 | 1,581 |
| Average total loans | $208,167,500 | 2,227 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 4,403 |
| Cost of funding earning assets | 0.8622% | 984 |
| Net interest margin | 2.3809% | 4,666 |
| Noninterest income to average assets | 0.2520% | 3,977 |
| Noninterest expense to average assets | 1.7751% | 4,512 |
| Loan and lease loss provision to assets | 0.1370% | 2,648 |
| Net operating income to assets | 0.5324% | 3,958 |
| Return on assets (ROA) | 0.8796% | 2,923 |
| Pretax return on assets | 1.0685% | 2,821 |
| Return on Equity (ROE) | 6.6923% | 3,334 |
| Retained earnings to average equity (ytd only) | 4.0621% | 2,789 |
| Net charge-offs to loans | 0.0992% | 1,480 |
| Credit loss provision to net charge-offs | 300.5181% | 1,725 |
| Earnings coverage of net charge-offs (x) | 17.1606% | 2,090 |
| Efficiency ratio | 69.4155% | 2,032 |
| Assets per employee ($millions) | 9.1686% | 698 |
| Cash dividends to net income (ytd only)* | 39.3020% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,528 |
| Loan loss allowance to noncurrent loans | 75.9268% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 1,019 |
| Noncurrent loans to loans | 1.9973% | 578 |
| Net loans and leases to total assets | 44.0998% | 4,240 |
| Net loans and leases to deposits | 57.4421% | 3,921 |
| Net loans and leases to core deposits | 70.9515% | 3,175 |
| Total domestic deposits to total assets | 76.7725% | 4,441 |
| Equity capital to assets | 12.5735% | 1,284 |
| Core capital (leverage) ratio | 12.2243% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5649% | 303 |
| Memoranda: | ||
| Average total assets | $423,471,400 | 1,788 |
| Average earning assets | $410,021,200 | 1,735 |
| Average equity | $55,661,200 | 1,538 |
| Average total loans | $194,638,800 | 2,293 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 4,523 |
| Cost of funding earning assets | 0.9270% | 975 |
| Net interest margin | 2.3354% | 4,763 |
| Noninterest income to average assets | 0.2238% | 4,153 |
| Noninterest expense to average assets | 1.8180% | 4,463 |
| Loan and lease loss provision to assets | 0.1478% | 2,543 |
| Net operating income to assets | 0.4675% | 4,125 |
| Return on assets (ROA) | 0.9722% | 2,576 |
| Pretax return on assets | 1.0879% | 2,790 |
| Return on Equity (ROE) | 7.3086% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.8585% | 2,166 |
| Net charge-offs to loans | 0.0910% | 1,396 |
| Credit loss provision to net charge-offs | 351.1450% | 1,605 |
| Earnings coverage of net charge-offs (x) | 15.8779% | 2,082 |
| Efficiency ratio | 73.1092% | 1,509 |
| Assets per employee ($millions) | 8.9386% | 705 |
| Cash dividends to net income (ytd only)* | 19.8413% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 1,472 |
| Loan loss allowance to noncurrent loans | 65.3057% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 931 |
| Noncurrent loans to loans | 2.2510% | 506 |
| Net loans and leases to total assets | 45.8150% | 4,323 |
| Net loans and leases to deposits | 60.1094% | 4,052 |
| Net loans and leases to core deposits | 74.3499% | 3,295 |
| Total domestic deposits to total assets | 76.2193% | 4,404 |
| Equity capital to assets | 12.7899% | 1,281 |
| Core capital (leverage) ratio | 12.5747% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9847% | 409 |
| Memoranda: | ||
| Average total assets | $414,731,500 | 1,795 |
| Average earning assets | $401,867,750 | 1,736 |
| Average equity | $55,166,250 | 1,545 |
| Average total loans | $191,978,500 | 2,307 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3272% | 4,620 |
| Cost of funding earning assets | 0.9956% | 997 |
| Net interest margin | 2.3316% | 4,823 |
| Noninterest income to average assets | 0.2718% | 3,853 |
| Noninterest expense to average assets | 1.9074% | 4,405 |
| Loan and lease loss provision to assets | 0.1683% | 2,324 |
| Net operating income to assets | 0.3994% | 4,231 |
| Return on assets (ROA) | 0.8030% | 3,153 |
| Pretax return on assets | 0.9218% | 3,254 |
| Return on Equity (ROE) | 5.9522% | 3,522 |
| Retained earnings to average equity (ytd only) | 3.7504% | 3,042 |
| Net charge-offs to loans | 0.2817% | 564 |
| Credit loss provision to net charge-offs | 129.2776% | 2,237 |
| Earnings coverage of net charge-offs (x) | 4.8099% | 2,571 |
| Efficiency ratio | 75.2833% | 1,338 |
| Assets per employee ($millions) | 8.5799% | 788 |
| Cash dividends to net income (ytd only)* | 36.9914% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 1,787 |
| Loan loss allowance to noncurrent loans | 60.7894% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 929 |
| Noncurrent loans to loans | 2.2176% | 571 |
| Net loans and leases to total assets | 47.8156% | 4,269 |
| Net loans and leases to deposits | 61.4299% | 4,045 |
| Net loans and leases to core deposits | 75.8678% | 3,293 |
| Total domestic deposits to total assets | 77.8377% | 4,208 |
| Equity capital to assets | 13.0361% | 1,149 |
| Core capital (leverage) ratio | 12.3048% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9130% | 456 |
| Memoranda: | ||
| Average total assets | $403,998,667 | 1,805 |
| Average earning assets | $391,920,000 | 1,751 |
| Average equity | $54,501,000 | 1,542 |
| Average total loans | $186,699,333 | 2,337 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 4,614 |
| Cost of funding earning assets | 1.0671% | 1,158 |
| Net interest margin | 2.4482% | 4,850 |
| Noninterest income to average assets | 0.3075% | 3,671 |
| Noninterest expense to average assets | 2.0526% | 4,305 |
| Loan and lease loss provision to assets | 0.1226% | 2,163 |
| Net operating income to assets | 0.4453% | 4,035 |
| Return on assets (ROA) | 0.8541% | 2,786 |
| Pretax return on assets | 0.9768% | 2,911 |
| Return on Equity (ROE) | 6.2168% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.2168% | 1,799 |
| Net charge-offs to loans | 0.0795% | 1,228 |
| Credit loss provision to net charge-offs | 342.8571% | 1,089 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,489 |
| Efficiency ratio | 76.5333% | 1,508 |
| Assets per employee ($millions) | 7.9151% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,088 |
| Loan loss allowance to noncurrent loans | 80.9154% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 1,301 |
| Noncurrent loans to loans | 1.9688% | 733 |
| Net loans and leases to total assets | 43.8769% | 4,510 |
| Net loans and leases to deposits | 56.5877% | 4,342 |
| Net loans and leases to core deposits | 72.0435% | 3,763 |
| Total domestic deposits to total assets | 77.5379% | 4,291 |
| Equity capital to assets | 13.8727% | 1,104 |
| Core capital (leverage) ratio | 13.8265% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4175% | 274 |
| Memoranda: | ||
| Average total assets | $391,501,000 | 1,800 |
| Average earning assets | $379,714,000 | 1,738 |
| Average equity | $53,789,500 | 1,551 |
| Average total loans | $176,084,500 | 2,402 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,659 |
| Cost of funding earning assets | 1.0506% | 1,509 |
| Net interest margin | 2.6663% | 4,854 |
| Noninterest income to average assets | 0.2285% | 4,300 |
| Noninterest expense to average assets | 1.8224% | 4,748 |
| Loan and lease loss provision to assets | 0.2030% | 1,001 |
| Net operating income to assets | 0.7306% | 3,764 |
| Return on assets (ROA) | 0.9187% | 3,207 |
| Pretax return on assets | 0.9807% | 3,511 |
| Return on Equity (ROE) | 6.9563% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.1659% | 2,875 |
| Net charge-offs to loans | 0.3767% | 527 |
| Credit loss provision to net charge-offs | 119.8157% | 2,112 |
| Earnings coverage of net charge-offs (x) | 5.8049% | 3,041 |
| Efficiency ratio | 64.9476% | 2,944 |
| Assets per employee ($millions) | 7.7449% | 783 |
| Cash dividends to net income (ytd only)* | 40.1133% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,080 |
| Loan loss allowance to noncurrent loans | 66.9614% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 1,125 |
| Noncurrent loans to loans | 2.3168% | 510 |
| Net loans and leases to total assets | 44.6710% | 4,572 |
| Net loans and leases to deposits | 57.2545% | 4,404 |
| Net loans and leases to core deposits | 73.1220% | 3,789 |
| Total domestic deposits to total assets | 78.0218% | 4,356 |
| Equity capital to assets | 13.6029% | 1,245 |
| Core capital (leverage) ratio | 13.6744% | 1,005 |
| Tier 1 risk-based capital ratio | 29.0786% | 514 |
| Total risk-based capital ratio | 30.3313% | 503 |
| Memoranda: | ||
| Average total assets | $384,225,000 | 1,787 |
| Average earning assets | $371,409,800 | 1,746 |
| Average equity | $50,745,600 | 1,574 |
| Average total loans | $172,825,600 | 2,389 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 4,741 |
| Cost of funding earning assets | 1.0350% | 1,606 |
| Net interest margin | 2.7025% | 4,938 |
| Noninterest income to average assets | 0.2528% | 4,227 |
| Noninterest expense to average assets | 1.8289% | 4,782 |
| Loan and lease loss provision to assets | 0.1599% | 1,175 |
| Net operating income to assets | 0.6984% | 4,023 |
| Return on assets (ROA) | 0.8525% | 3,591 |
| Pretax return on assets | 1.0678% | 3,388 |
| Return on Equity (ROE) | 6.5043% | 3,880 |
| Retained earnings to average equity (ytd only) | 4.9127% | 2,932 |
| Net charge-offs to loans | 0.3843% | 433 |
| Credit loss provision to net charge-offs | 92.7419% | 2,364 |
| Earnings coverage of net charge-offs (x) | 6.0020% | 2,870 |
| Efficiency ratio | 63.8582% | 3,031 |
| Assets per employee ($millions) | 7.9336% | 708 |
| Cash dividends to net income (ytd only)* | 24.4698% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,267 |
| Loan loss allowance to noncurrent loans | 56.5342% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.2206% | 1,030 |
| Noncurrent loans to loans | 2.6397% | 417 |
| Net loans and leases to total assets | 43.4855% | 4,710 |
| Net loans and leases to deposits | 55.9508% | 4,554 |
| Net loans and leases to core deposits | 70.0758% | 4,051 |
| Total domestic deposits to total assets | 77.7209% | 4,404 |
| Equity capital to assets | 13.5289% | 1,346 |
| Core capital (leverage) ratio | 13.7584% | 1,053 |
| Tier 1 risk-based capital ratio | 37.8805% | 284 |
| Total risk-based capital ratio | 39.1382% | 280 |
| Memoranda: | ||
| Average total assets | $383,469,500 | 1,804 |
| Average earning assets | $370,506,750 | 1,758 |
| Average equity | $50,262,750 | 1,594 |
| Average total loans | $172,103,750 | 2,426 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 4,845 |
| Cost of funding earning assets | 1.0131% | 1,631 |
| Net interest margin | 2.6703% | 5,025 |
| Noninterest income to average assets | 0.2714% | 4,121 |
| Noninterest expense to average assets | 1.8066% | 4,867 |
| Loan and lease loss provision to assets | 0.1781% | 1,008 |
| Net operating income to assets | 0.6835% | 4,054 |
| Return on assets (ROA) | 0.8006% | 3,710 |
| Pretax return on assets | 1.0133% | 3,496 |
| Return on Equity (ROE) | 6.1342% | 4,008 |
| Retained earnings to average equity (ytd only) | 3.7255% | 3,396 |
| Net charge-offs to loans | 0.4052% | 414 |
| Credit loss provision to net charge-offs | 97.4212% | 2,042 |
| Earnings coverage of net charge-offs (x) | 5.7049% | 2,625 |
| Efficiency ratio | 63.3940% | 3,230 |
| Assets per employee ($millions) | 7.8114% | 714 |
| Cash dividends to net income (ytd only)* | 39.2670% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,230 |
| Loan loss allowance to noncurrent loans | 59.2084% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 1,119 |
| Noncurrent loans to loans | 2.5570% | 455 |
| Net loans and leases to total assets | 43.9838% | 4,731 |
| Net loans and leases to deposits | 56.0689% | 4,590 |
| Net loans and leases to core deposits | 70.0053% | 4,109 |
| Total domestic deposits to total assets | 78.4461% | 4,322 |
| Equity capital to assets | 13.7561% | 1,216 |
| Core capital (leverage) ratio | 13.6855% | 1,054 |
| Tier 1 risk-based capital ratio | 29.8045% | 487 |
| Total risk-based capital ratio | 31.0569% | 482 |
| Memoranda: | ||
| Average total assets | $381,710,670 | 1,818 |
| Average earning assets | $368,572,670 | 1,771 |
| Average equity | $49,819,330 | 1,596 |
| Average total loans | $172,268,670 | 2,432 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,902 |
| Cost of funding earning assets | 0.9710% | 1,694 |
| Net interest margin | 2.6824% | 5,082 |
| Noninterest income to average assets | 0.2476% | 4,242 |
| Noninterest expense to average assets | 1.8290% | 4,890 |
| Loan and lease loss provision to assets | 0.1259% | 1,394 |
| Net operating income to assets | 0.6851% | 3,987 |
| Return on assets (ROA) | 0.7083% | 3,951 |
| Pretax return on assets | 0.9108% | 3,727 |
| Return on Equity (ROE) | 5.5782% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.5782% | 2,655 |
| Net charge-offs to loans | 0.3817% | 409 |
| Credit loss provision to net charge-offs | 72.7273% | 1,832 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 2,239 |
| Efficiency ratio | 64.4839% | 3,165 |
| Assets per employee ($millions) | 7.7940% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,427 |
| Loan loss allowance to noncurrent loans | 57.0534% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,102 |
| Noncurrent loans to loans | 2.5795% | 497 |
| Net loans and leases to total assets | 44.7368% | 4,712 |
| Net loans and leases to deposits | 56.4354% | 4,577 |
| Net loans and leases to core deposits | 70.7163% | 4,034 |
| Total domestic deposits to total assets | 79.2708% | 4,302 |
| Equity capital to assets | 13.0826% | 1,404 |
| Core capital (leverage) ratio | 13.4091% | 1,115 |
| Tier 1 risk-based capital ratio | 28.3143% | 541 |
| Total risk-based capital ratio | 29.5661% | 534 |
| Memoranda: | ||
| Average total assets | $381,185,500 | 1,832 |
| Average earning assets | $367,880,500 | 1,780 |
| Average equity | $48,402,500 | 1,622 |
| Average total loans | $172,932,500 | 2,447 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 4,902 |
| Cost of funding earning assets | 0.8925% | 1,121 |
| Net interest margin | 2.6200% | 5,146 |
| Noninterest income to average assets | 0.2515% | 4,420 |
| Noninterest expense to average assets | 1.7314% | 5,060 |
| Loan and lease loss provision to assets | 0.1784% | 1,103 |
| Net operating income to assets | 0.7147% | 4,099 |
| Return on assets (ROA) | 0.7337% | 4,033 |
| Pretax return on assets | 0.8881% | 3,924 |
| Return on Equity (ROE) | 6.2635% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.2873% | 3,763 |
| Net charge-offs to loans | 0.3057% | 631 |
| Credit loss provision to net charge-offs | 133.8432% | 1,982 |
| Earnings coverage of net charge-offs (x) | 7.8298% | 2,952 |
| Efficiency ratio | 62.3932% | 3,455 |
| Assets per employee ($millions) | 7.7646% | 718 |
| Cash dividends to net income (ytd only)* | 47.5165% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,273 |
| Loan loss allowance to noncurrent loans | 66.6068% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.1084% | 1,209 |
| Noncurrent loans to loans | 2.2608% | 566 |
| Net loans and leases to total assets | 44.6463% | 4,797 |
| Net loans and leases to deposits | 55.7855% | 4,675 |
| Net loans and leases to core deposits | 69.5776% | 4,136 |
| Total domestic deposits to total assets | 80.0321% | 4,100 |
| Equity capital to assets | 12.3117% | 1,694 |
| Core capital (leverage) ratio | 12.9943% | 1,252 |
| Tier 1 risk-based capital ratio | 27.8665% | 572 |
| Total risk-based capital ratio | 29.1183% | 559 |
| Memoranda: | ||
| Average total assets | $392,392,200 | 1,755 |
| Average earning assets | $377,933,600 | 1,688 |
| Average equity | $45,964,600 | 1,635 |
| Average total loans | $171,105,800 | 2,431 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 4,975 |
| Cost of funding earning assets | 0.8743% | 1,019 |
| Net interest margin | 2.5793% | 5,232 |
| Noninterest income to average assets | 0.2610% | 4,407 |
| Noninterest expense to average assets | 1.6989% | 5,136 |
| Loan and lease loss provision to assets | 0.2023% | 854 |
| Net operating income to assets | 0.6302% | 4,421 |
| Return on assets (ROA) | 0.6589% | 4,357 |
| Pretax return on assets | 0.8802% | 4,087 |
| Return on Equity (ROE) | 5.6952% | 4,359 |
| Retained earnings to average equity (ytd only) | 4.0164% | 3,762 |
| Net charge-offs to loans | 0.3350% | 496 |
| Credit loss provision to net charge-offs | 139.8601% | 1,809 |
| Earnings coverage of net charge-offs (x) | 7.2307% | 2,820 |
| Efficiency ratio | 61.8919% | 3,528 |
| Assets per employee ($millions) | 7.9430% | 664 |
| Cash dividends to net income (ytd only)* | 29.4779% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 1,299 |
| Loan loss allowance to noncurrent loans | 80.3909% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 1,758 |
| Noncurrent loans to loans | 1.8840% | 804 |
| Net loans and leases to total assets | 43.2878% | 4,905 |
| Net loans and leases to deposits | 53.6490% | 4,833 |
| Net loans and leases to core deposits | 66.5887% | 4,375 |
| Total domestic deposits to total assets | 80.6870% | 3,958 |
| Equity capital to assets | 11.6863% | 2,114 |
| Core capital (leverage) ratio | 12.8961% | 1,328 |
| Tier 1 risk-based capital ratio | 27.3922% | 601 |
| Total risk-based capital ratio | 28.6443% | 594 |
| Memoranda: | ||
| Average total assets | $395,373,750 | 1,738 |
| Average earning assets | $380,769,750 | 1,677 |
| Average equity | $45,745,250 | 1,644 |
| Average total loans | $170,767,000 | 2,448 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 5,039 |
| Cost of funding earning assets | 0.8635% | 861 |
| Net interest margin | 2.5385% | 5,318 |
| Noninterest income to average assets | 0.2556% | 4,480 |
| Noninterest expense to average assets | 1.7095% | 5,189 |
| Loan and lease loss provision to assets | 0.2063% | 818 |
| Net operating income to assets | 0.5752% | 4,582 |
| Return on assets (ROA) | 0.5752% | 4,574 |
| Pretax return on assets | 0.7911% | 4,273 |
| Return on Equity (ROE) | 4.9877% | 4,547 |
| Retained earnings to average equity (ytd only) | 2.4742% | 4,274 |
| Net charge-offs to loans | 0.3492% | 455 |
| Credit loss provision to net charge-offs | 137.5839% | 1,661 |
| Earnings coverage of net charge-offs (x) | 6.6510% | 2,606 |
| Efficiency ratio | 63.1530% | 3,447 |
| Assets per employee ($millions) | 7.9827% | 630 |
| Cash dividends to net income (ytd only)* | 50.3937% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,417 |
| Loan loss allowance to noncurrent loans | 84.5691% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 1,903 |
| Noncurrent loans to loans | 1.7664% | 891 |
| Net loans and leases to total assets | 42.6865% | 4,961 |
| Net loans and leases to deposits | 52.6530% | 4,894 |
| Net loans and leases to core deposits | 65.2289% | 4,411 |
| Total domestic deposits to total assets | 81.0713% | 3,974 |
| Equity capital to assets | 11.5298% | 2,179 |
| Core capital (leverage) ratio | 12.4171% | 1,480 |
| Tier 1 risk-based capital ratio | 27.6463% | 576 |
| Total risk-based capital ratio | 28.8983% | 570 |
| Memoranda: | ||
| Average total assets | $397,428,670 | 1,740 |
| Average earning assets | $383,775,330 | 1,668 |
| Average equity | $45,832,330 | 1,641 |
| Average total loans | $170,665,670 | 2,456 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 5,102 |
| Cost of funding earning assets | 0.8409% | 797 |
| Net interest margin | 2.4876% | 5,402 |
| Noninterest income to average assets | 0.2666% | 4,396 |
| Noninterest expense to average assets | 1.6606% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7769% | 3,807 |
| Return on assets (ROA) | 0.7769% | 3,805 |
| Pretax return on assets | 1.0076% | 3,507 |
| Return on Equity (ROE) | 6.7361% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.7361% | 2,392 |
| Net charge-offs to loans | 0.5185% | 288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.5450% | 2,293 |
| Efficiency ratio | 62.2380% | 3,743 |
| Assets per employee ($millions) | 8.7137% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 2,255 |
| Loan loss allowance to noncurrent loans | 94.5376% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6167% | 2,463 |
| Noncurrent loans to loans | 1.3738% | 1,307 |
| Net loans and leases to total assets | 41.6737% | 4,993 |
| Net loans and leases to deposits | 51.3224% | 4,911 |
| Net loans and leases to core deposits | 63.6776% | 4,443 |
| Total domestic deposits to total assets | 81.1998% | 4,154 |
| Equity capital to assets | 11.3886% | 2,226 |
| Core capital (leverage) ratio | 12.4536% | 1,413 |
| Tier 1 risk-based capital ratio | 27.1565% | 608 |
| Total risk-based capital ratio | 28.3720% | 602 |
| Memoranda: | ||
| Average total assets | $400,567,000 | 1,735 |
| Average earning assets | $386,725,000 | 1,666 |
| Average equity | $46,199,000 | 1,640 |
| Average total loans | $171,248,000 | 2,457 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1845% | 5,210 |
| Cost of funding earning assets | 0.8025% | 615 |
| Net interest margin | 2.3820% | 5,471 |
| Noninterest income to average assets | 0.2482% | 4,648 |
| Noninterest expense to average assets | 1.6421% | 5,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6924% | 3,627 |
| Return on assets (ROA) | 0.6569% | 3,832 |
| Pretax return on assets | 0.8570% | 4,059 |
| Return on Equity (ROE) | 5.6177% | 3,908 |
| Retained earnings to average equity (ytd only) | 2.7678% | 3,653 |
| Net charge-offs to loans | 0.1839% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.6169% | 2,555 |
| Efficiency ratio | 64.5145% | 3,529 |
| Assets per employee ($millions) | 8.7022% | 499 |
| Cash dividends to net income (ytd only)* | 50.7302% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,785 |
| Loan loss allowance to noncurrent loans | 181.5454% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 3,170 |
| Noncurrent loans to loans | 0.7694% | 2,288 |
| Net loans and leases to total assets | 42.6769% | 5,047 |
| Net loans and leases to deposits | 52.8067% | 4,945 |
| Net loans and leases to core deposits | 65.4756% | 4,444 |
| Total domestic deposits to total assets | 80.8173% | 4,164 |
| Equity capital to assets | 11.6784% | 2,054 |
| Core capital (leverage) ratio | 12.3511% | 1,421 |
| Tier 1 risk-based capital ratio | 26.4679% | 627 |
| Total risk-based capital ratio | 27.7182% | 616 |
| Memoranda: | ||
| Average total assets | $396,129,600 | 1,716 |
| Average earning assets | $382,033,800 | 1,664 |
| Average equity | $46,317,800 | 1,628 |
| Average total loans | $167,470,000 | 2,453 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1558% | 5,286 |
| Cost of funding earning assets | 0.7963% | 589 |
| Net interest margin | 2.3595% | 5,549 |
| Noninterest income to average assets | 0.2723% | 4,556 |
| Noninterest expense to average assets | 1.6364% | 5,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7257% | 3,845 |
| Return on assets (ROA) | 0.6763% | 4,154 |
| Pretax return on assets | 0.8501% | 4,208 |
| Return on Equity (ROE) | 5.7821% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.1895% | 3,406 |
| Net charge-offs to loans | 0.1205% | 1,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.0129% | 2,076 |
| Efficiency ratio | 64.2167% | 3,502 |
| Assets per employee ($millions) | 8.4303% | 533 |
| Cash dividends to net income (ytd only)* | 27.5449% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,434 |
| Loan loss allowance to noncurrent loans | 310.9771% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,884 |
| Noncurrent loans to loans | 0.4920% | 3,220 |
| Net loans and leases to total assets | 42.7847% | 5,086 |
| Net loans and leases to deposits | 53.5645% | 4,983 |
| Net loans and leases to core deposits | 67.1752% | 4,411 |
| Total domestic deposits to total assets | 79.8751% | 4,339 |
| Equity capital to assets | 12.4113% | 1,712 |
| Core capital (leverage) ratio | 12.6163% | 1,373 |
| Tier 1 risk-based capital ratio | 27.3497% | 599 |
| Total risk-based capital ratio | 28.6028% | 591 |
| Memoranda: | ||
| Average total assets | $395,086,250 | 1,735 |
| Average earning assets | $381,089,500 | 1,674 |
| Average equity | $46,210,000 | 1,642 |
| Average total loans | $166,023,250 | 2,482 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 5,341 |
| Cost of funding earning assets | 0.7773% | 587 |
| Net interest margin | 2.3297% | 5,598 |
| Noninterest income to average assets | 0.2823% | 4,537 |
| Noninterest expense to average assets | 1.6291% | 5,471 |
| Loan and lease loss provision to assets | 0.0453% | 3,085 |
| Net operating income to assets | 0.6678% | 3,991 |
| Return on assets (ROA) | 0.5273% | 4,652 |
| Pretax return on assets | 0.6732% | 4,614 |
| Return on Equity (ROE) | 4.5995% | 4,631 |
| Retained earnings to average equity (ytd only) | 2.1769% | 4,376 |
| Net charge-offs to loans | 0.1344% | 1,358 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | 16.0901% | 1,993 |
| Efficiency ratio | 64.4506% | 3,598 |
| Assets per employee ($millions) | 8.6043% | 482 |
| Cash dividends to net income (ytd only)* | 52.6718% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 1,184 |
| Loan loss allowance to noncurrent loans | 186.3042% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,490 |
| Noncurrent loans to loans | 0.8787% | 2,223 |
| Net loans and leases to total assets | 41.0964% | 5,187 |
| Net loans and leases to deposits | 50.9193% | 5,109 |
| Net loans and leases to core deposits | 55.7479% | 5,005 |
| Total domestic deposits to total assets | 80.7090% | 4,260 |
| Equity capital to assets | 11.9824% | 1,945 |
| Core capital (leverage) ratio | 12.1542% | 1,552 |
| Tier 1 risk-based capital ratio | 26.5006% | 640 |
| Total risk-based capital ratio | 27.7535% | 622 |
| Memoranda: | ||
| Average total assets | $397,517,330 | 1,730 |
| Average earning assets | $383,140,000 | 1,671 |
| Average equity | $45,570,000 | 1,663 |
| Average total loans | $165,199,670 | 2,492 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0461% | 5,414 |
| Cost of funding earning assets | 0.7527% | 641 |
| Net interest margin | 2.2934% | 5,665 |
| Noninterest income to average assets | 0.3481% | 4,060 |
| Noninterest expense to average assets | 1.6761% | 5,493 |
| Loan and lease loss provision to assets | 0.0903% | 2,038 |
| Net operating income to assets | 0.5943% | 4,188 |
| Return on assets (ROA) | 0.5958% | 4,229 |
| Pretax return on assets | 0.7904% | 4,142 |
| Return on Equity (ROE) | 5.3032% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.3032% | 2,736 |
| Net charge-offs to loans | 0.1867% | 911 |
| Credit loss provision to net charge-offs | 116.8831% | 1,423 |
| Earnings coverage of net charge-offs (x) | 11.3766% | 1,896 |
| Efficiency ratio | 65.6066% | 3,557 |
| Assets per employee ($millions) | 8.7245% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,240 |
| Loan loss allowance to noncurrent loans | 166.5249% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 3,136 |
| Noncurrent loans to loans | 0.9936% | 2,061 |
| Net loans and leases to total assets | 40.5945% | 5,225 |
| Net loans and leases to deposits | 49.9793% | 5,134 |
| Net loans and leases to core deposits | 62.7014% | 4,607 |
| Total domestic deposits to total assets | 81.2226% | 4,361 |
| Equity capital to assets | 11.3516% | 2,306 |
| Core capital (leverage) ratio | 12.1418% | 1,542 |
| Tier 1 risk-based capital ratio | 26.3137% | 667 |
| Total risk-based capital ratio | 27.5677% | 654 |
| Memoranda: | ||
| Average total assets | $398,783,500 | 1,736 |
| Average earning assets | $383,707,000 | 1,678 |
| Average equity | $44,803,500 | 1,690 |
| Average total loans | $164,965,000 | 2,511 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9999% | 5,505 |
| Cost of funding earning assets | 0.7695% | 580 |
| Net interest margin | 2.2304% | 5,737 |
| Noninterest income to average assets | 0.2433% | 4,968 |
| Noninterest expense to average assets | 1.5437% | 5,692 |
| Loan and lease loss provision to assets | 0.1194% | 2,073 |
| Net operating income to assets | 0.5462% | 4,446 |
| Return on assets (ROA) | 0.7970% | 3,416 |
| Pretax return on assets | 1.0443% | 3,316 |
| Return on Equity (ROE) | 6.8221% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.1129% | 2,981 |
| Net charge-offs to loans | 0.2975% | 931 |
| Credit loss provision to net charge-offs | 100.2088% | 2,555 |
| Earnings coverage of net charge-offs (x) | 6.9958% | 3,088 |
| Efficiency ratio | 64.9294% | 3,776 |
| Assets per employee ($millions) | 8.6139% | 486 |
| Cash dividends to net income (ytd only)* | 39.7128% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,230 |
| Loan loss allowance to noncurrent loans | 166.1389% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 3,611 |
| Noncurrent loans to loans | 0.9996% | 2,091 |
| Net loans and leases to total assets | 40.7693% | 5,283 |
| Net loans and leases to deposits | 50.2171% | 5,201 |
| Net loans and leases to core deposits | 63.0615% | 4,687 |
| Total domestic deposits to total assets | 81.1861% | 4,291 |
| Equity capital to assets | 11.1170% | 2,520 |
| Core capital (leverage) ratio | 11.9880% | 1,608 |
| Tier 1 risk-based capital ratio | 25.9395% | 703 |
| Total risk-based capital ratio | 27.1933% | 684 |
| Memoranda: | ||
| Average total assets | $401,903,800 | 1,674 |
| Average earning assets | $384,542,400 | 1,622 |
| Average equity | $46,950,400 | 1,612 |
| Average total loans | $161,015,600 | 2,508 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0016% | 5,566 |
| Cost of funding earning assets | 0.7715% | 570 |
| Net interest margin | 2.2301% | 5,805 |
| Noninterest income to average assets | 0.2473% | 4,988 |
| Noninterest expense to average assets | 1.4992% | 5,761 |
| Loan and lease loss provision to assets | 0.1190% | 1,946 |
| Net operating income to assets | 0.6239% | 4,190 |
| Return on assets (ROA) | 0.9422% | 2,821 |
| Pretax return on assets | 1.1501% | 3,052 |
| Return on Equity (ROE) | 7.9704% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.4937% | 1,917 |
| Net charge-offs to loans | 0.2372% | 989 |
| Credit loss provision to net charge-offs | 126.3158% | 2,008 |
| Earnings coverage of net charge-offs (x) | 9.3509% | 2,684 |
| Efficiency ratio | 62.9861% | 4,075 |
| Assets per employee ($millions) | 8.5028% | 481 |
| Cash dividends to net income (ytd only)* | 18.5262% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 1,093 |
| Loan loss allowance to noncurrent loans | 199.2182% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 3,963 |
| Noncurrent loans to loans | 0.8810% | 2,496 |
| Net loans and leases to total assets | 39.2613% | 5,421 |
| Net loans and leases to deposits | 48.9971% | 5,346 |
| Net loans and leases to core deposits | 61.5677% | 4,856 |
| Total domestic deposits to total assets | 80.1298% | 4,483 |
| Equity capital to assets | 12.2780% | 1,914 |
| Core capital (leverage) ratio | 12.1447% | 1,577 |
| Tier 1 risk-based capital ratio | 27.0533% | 637 |
| Total risk-based capital ratio | 28.3082% | 623 |
| Memoranda: | ||
| Average total assets | $403,320,000 | 1,671 |
| Average earning assets | $385,741,250 | 1,620 |
| Average equity | $47,675,500 | 1,592 |
| Average total loans | $160,201,500 | 2,519 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0019% | 5,649 |
| Cost of funding earning assets | 0.7756% | 553 |
| Net interest margin | 2.2264% | 5,890 |
| Noninterest income to average assets | 0.2477% | 4,997 |
| Noninterest expense to average assets | 1.4901% | 5,843 |
| Loan and lease loss provision to assets | 0.1187% | 1,921 |
| Net operating income to assets | 0.6370% | 4,111 |
| Return on assets (ROA) | 1.0026% | 2,520 |
| Pretax return on assets | 1.2068% | 2,758 |
| Return on Equity (ROE) | 8.5911% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.3544% | 1,934 |
| Net charge-offs to loans | 0.1921% | 1,194 |
| Credit loss provision to net charge-offs | 155.8442% | 1,548 |
| Earnings coverage of net charge-offs (x) | 11.6234% | 2,245 |
| Efficiency ratio | 62.7394% | 4,224 |
| Assets per employee ($millions) | 8.9986% | 388 |
| Cash dividends to net income (ytd only)* | 26.0355% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 1,200 |
| Loan loss allowance to noncurrent loans | 197.8200% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 3,580 |
| Noncurrent loans to loans | 0.8774% | 2,544 |
| Net loans and leases to total assets | 39.3291% | 5,454 |
| Net loans and leases to deposits | 48.8745% | 5,386 |
| Net loans and leases to core deposits | 61.1206% | 4,924 |
| Total domestic deposits to total assets | 80.4697% | 4,421 |
| Equity capital to assets | 11.9744% | 2,144 |
| Core capital (leverage) ratio | 11.7761% | 1,795 |
| Tier 1 risk-based capital ratio | 26.6255% | 678 |
| Total risk-based capital ratio | 27.8798% | 663 |
| Memoranda: | ||
| Average total assets | $404,549,000 | 1,669 |
| Average earning assets | $386,551,670 | 1,617 |
| Average equity | $47,211,670 | 1,603 |
| Average total loans | $160,367,330 | 2,528 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0386% | 5,657 |
| Cost of funding earning assets | 0.7767% | 558 |
| Net interest margin | 2.2619% | 5,939 |
| Noninterest income to average assets | 0.2562% | 4,902 |
| Noninterest expense to average assets | 1.5224% | 5,900 |
| Loan and lease loss provision to assets | 0.1187% | 1,778 |
| Net operating income to assets | 0.6037% | 4,162 |
| Return on assets (ROA) | 0.6855% | 3,903 |
| Pretax return on assets | 0.8804% | 3,927 |
| Return on Equity (ROE) | 5.9519% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.9519% | 2,396 |
| Net charge-offs to loans | 0.4539% | 502 |
| Credit loss provision to net charge-offs | 66.2983% | 1,933 |
| Earnings coverage of net charge-offs (x) | 4.9945% | 2,373 |
| Efficiency ratio | 62.9963% | 4,300 |
| Assets per employee ($millions) | 9.0734% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 1,408 |
| Loan loss allowance to noncurrent loans | 207.3095% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 3,396 |
| Noncurrent loans to loans | 0.8117% | 2,808 |
| Net loans and leases to total assets | 38.1508% | 5,550 |
| Net loans and leases to deposits | 47.1884% | 5,458 |
| Net loans and leases to core deposits | 58.5848% | 5,015 |
| Total domestic deposits to total assets | 80.8477% | 4,540 |
| Equity capital to assets | 11.6177% | 2,324 |
| Core capital (leverage) ratio | 11.6178% | 1,894 |
| Tier 1 risk-based capital ratio | 26.4238% | 707 |
| Total risk-based capital ratio | 27.6770% | 692 |
| Memoranda: | ||
| Average total assets | $404,354,000 | 1,666 |
| Average earning assets | $386,232,500 | 1,621 |
| Average equity | $46,573,000 | 1,617 |
| Average total loans | $159,515,000 | 2,532 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0085% | 5,718 |
| Cost of funding earning assets | 0.7539% | 627 |
| Net interest margin | 2.2545% | 5,972 |
| Noninterest income to average assets | 0.2235% | 5,260 |
| Noninterest expense to average assets | 1.4287% | 6,024 |
| Loan and lease loss provision to assets | 0.3647% | 394 |
| Net operating income to assets | 0.4777% | 4,774 |
| Return on assets (ROA) | 0.8281% | 3,279 |
| Pretax return on assets | 1.0474% | 3,279 |
| Return on Equity (ROE) | 7.3207% | 3,350 |
| Retained earnings to average equity (ytd only) | 4.6363% | 2,688 |
| Net charge-offs to loans | 0.8686% | 247 |
| Credit loss provision to net charge-offs | 107.1429% | 2,348 |
| Earnings coverage of net charge-offs (x) | 2.8455% | 3,816 |
| Efficiency ratio | 59.5985% | 4,964 |
| Assets per employee ($millions) | 8.8979% | 397 |
| Cash dividends to net income (ytd only)* | 36.6687% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 1,353 |
| Loan loss allowance to noncurrent loans | 281.7149% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 4,067 |
| Noncurrent loans to loans | 0.6028% | 3,364 |
| Net loans and leases to total assets | 39.4266% | 5,550 |
| Net loans and leases to deposits | 48.7799% | 5,450 |
| Net loans and leases to core deposits | 60.3744% | 4,957 |
| Total domestic deposits to total assets | 80.8255% | 4,538 |
| Equity capital to assets | 11.4161% | 2,429 |
| Core capital (leverage) ratio | 11.4127% | 2,031 |
| Tier 1 risk-based capital ratio | 26.2936% | 726 |
| Total risk-based capital ratio | 27.5475% | 697 |
| Memoranda: | ||
| Average total assets | $403,101,000 | 1,635 |
| Average earning assets | $388,636,800 | 1,570 |
| Average equity | $45,597,000 | 1,614 |
| Average total loans | $157,957,400 | 2,496 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 5,809 |
| Cost of funding earning assets | 0.7384% | 690 |
| Net interest margin | 2.2696% | 6,049 |
| Noninterest income to average assets | 0.2255% | 5,300 |
| Noninterest expense to average assets | 1.4060% | 6,099 |
| Loan and lease loss provision to assets | 0.4425% | 251 |
| Net operating income to assets | 0.4235% | 5,076 |
| Return on assets (ROA) | 0.8450% | 3,279 |
| Pretax return on assets | 1.1273% | 3,109 |
| Return on Equity (ROE) | 7.4874% | 3,343 |
| Retained earnings to average equity (ytd only) | 6.0128% | 2,238 |
| Net charge-offs to loans | 1.0010% | 191 |
| Credit loss provision to net charge-offs | 113.4632% | 2,072 |
| Earnings coverage of net charge-offs (x) | 2.5842% | 3,643 |
| Efficiency ratio | 58.2490% | 5,094 |
| Assets per employee ($millions) | 8.9588% | 376 |
| Cash dividends to net income (ytd only)* | 19.6951% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 1,356 |
| Loan loss allowance to noncurrent loans | 203.2070% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 3,974 |
| Noncurrent loans to loans | 0.8628% | 2,822 |
| Net loans and leases to total assets | 38.7515% | 5,660 |
| Net loans and leases to deposits | 48.0481% | 5,563 |
| Net loans and leases to core deposits | 59.5848% | 5,095 |
| Total domestic deposits to total assets | 80.6515% | 4,565 |
| Equity capital to assets | 11.3641% | 2,629 |
| Core capital (leverage) ratio | 11.3642% | 2,141 |
| Tier 1 risk-based capital ratio | 26.0143% | 761 |
| Total risk-based capital ratio | 27.2683% | 746 |
| Memoranda: | ||
| Average total assets | $403,774,500 | 1,649 |
| Average earning assets | $389,307,750 | 1,577 |
| Average equity | $45,568,500 | 1,624 |
| Average total loans | $157,298,250 | 2,513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0329% | 5,828 |
| Cost of funding earning assets | 0.7305% | 716 |
| Net interest margin | 2.3024% | 6,097 |
| Noninterest income to average assets | 0.2238% | 5,363 |
| Noninterest expense to average assets | 1.3887% | 6,180 |
| Loan and lease loss provision to assets | 0.1782% | 1,152 |
| Net operating income to assets | 0.7227% | 3,777 |
| Return on assets (ROA) | 1.2906% | 1,410 |
| Pretax return on assets | 1.5728% | 1,418 |
| Return on Equity (ROE) | 11.4627% | 1,533 |
| Retained earnings to average equity (ytd only) | 9.2467% | 847 |
| Net charge-offs to loans | 0.1876% | 1,334 |
| Credit loss provision to net charge-offs | 244.8980% | 1,067 |
| Earnings coverage of net charge-offs (x) | 14.5442% | 2,050 |
| Efficiency ratio | 56.7469% | 5,360 |
| Assets per employee ($millions) | 8.9882% | 372 |
| Cash dividends to net income (ytd only)* | 19.3326% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 1,346 |
| Loan loss allowance to noncurrent loans | 75.0859% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 2,405 |
| Noncurrent loans to loans | 2.4129% | 940 |
| Net loans and leases to total assets | 38.0810% | 5,736 |
| Net loans and leases to deposits | 47.1109% | 5,624 |
| Net loans and leases to core deposits | 58.5767% | 5,155 |
| Total domestic deposits to total assets | 80.8326% | 4,658 |
| Equity capital to assets | 11.1408% | 2,729 |
| Core capital (leverage) ratio | 11.2668% | 2,193 |
| Tier 1 risk-based capital ratio | 25.6307% | 808 |
| Total risk-based capital ratio | 26.8851% | 794 |
| Memoranda: | ||
| Average total assets | $403,983,330 | 1,654 |
| Average earning assets | $390,121,000 | 1,586 |
| Average equity | $45,486,670 | 1,634 |
| Average total loans | $156,726,330 | 2,531 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0430% | 5,850 |
| Cost of funding earning assets | 0.7177% | 783 |
| Net interest margin | 2.3253% | 6,146 |
| Noninterest income to average assets | 0.2259% | 5,339 |
| Noninterest expense to average assets | 1.3791% | 6,245 |
| Loan and lease loss provision to assets | 0.1783% | 1,084 |
| Net operating income to assets | 0.7771% | 3,379 |
| Return on assets (ROA) | 1.5931% | 750 |
| Pretax return on assets | 1.8755% | 748 |
| Return on Equity (ROE) | 14.0746% | 865 |
| Retained earnings to average equity (ytd only) | 14.0746% | 355 |
| Net charge-offs to loans | 0.1736% | 1,232 |
| Credit loss provision to net charge-offs | 264.7059% | 892 |
| Earnings coverage of net charge-offs (x) | 16.2353% | 1,582 |
| Efficiency ratio | 55.7692% | 5,532 |
| Assets per employee ($millions) | 9.0703% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 1,611 |
| Loan loss allowance to noncurrent loans | 166.6261% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 3,751 |
| Noncurrent loans to loans | 1.0508% | 2,661 |
| Net loans and leases to total assets | 37.6810% | 5,738 |
| Net loans and leases to deposits | 46.8200% | 5,629 |
| Net loans and leases to core deposits | 56.7484% | 5,203 |
| Total domestic deposits to total assets | 80.4806% | 4,938 |
| Equity capital to assets | 11.4626% | 2,501 |
| Core capital (leverage) ratio | 11.3300% | 2,133 |
| Tier 1 risk-based capital ratio | 25.1113% | 880 |
| Total risk-based capital ratio | 26.3647% | 854 |
| Memoranda: | ||
| Average total assets | $403,741,500 | 1,657 |
| Average earning assets | $390,136,500 | 1,590 |
| Average equity | $45,699,500 | 1,635 |
| Average total loans | $156,656,000 | 2,529 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 5,751 |
| Cost of funding earning assets | 0.7486% | 850 |
| Net interest margin | 2.5178% | 6,138 |
| Noninterest income to average assets | 0.2156% | 5,568 |
| Noninterest expense to average assets | 1.3791% | 6,366 |
| Loan and lease loss provision to assets | 0.3882% | 469 |
| Net operating income to assets | 0.7467% | 3,642 |
| Return on assets (ROA) | 1.1339% | 1,907 |
| Pretax return on assets | 1.3357% | 2,126 |
| Return on Equity (ROE) | 10.7791% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.7102% | 1,542 |
| Net charge-offs to loans | 0.9053% | 356 |
| Credit loss provision to net charge-offs | 108.9606% | 2,190 |
| Earnings coverage of net charge-offs (x) | 3.5599% | 3,861 |
| Efficiency ratio | 52.0934% | 5,976 |
| Assets per employee ($millions) | 8.8738% | 364 |
| Cash dividends to net income (ytd only)* | 37.7477% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 1,832 |
| Loan loss allowance to noncurrent loans | 183.9748% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 4,003 |
| Noncurrent loans to loans | 0.9115% | 3,036 |
| Net loans and leases to total assets | 38.6011% | 5,816 |
| Net loans and leases to deposits | 47.9004% | 5,691 |
| Net loans and leases to core deposits | 57.9294% | 5,263 |
| Total domestic deposits to total assets | 80.5862% | 4,863 |
| Equity capital to assets | 11.1722% | 2,727 |
| Core capital (leverage) ratio | 11.0402% | 2,367 |
| Tier 1 risk-based capital ratio | 24.1565% | 935 |
| Total risk-based capital ratio | 25.4087% | 912 |
| Memoranda: | ||
| Average total assets | $391,554,800 | 1,675 |
| Average earning assets | $378,194,200 | 1,600 |
| Average equity | $41,190,800 | 1,740 |
| Average total loans | $154,095,600 | 2,512 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2694% | 5,809 |
| Cost of funding earning assets | 0.7502% | 887 |
| Net interest margin | 2.5193% | 6,211 |
| Noninterest income to average assets | 0.2214% | 5,606 |
| Noninterest expense to average assets | 1.3801% | 6,420 |
| Loan and lease loss provision to assets | 0.2532% | 847 |
| Net operating income to assets | 0.7915% | 3,462 |
| Return on assets (ROA) | 1.1505% | 1,923 |
| Pretax return on assets | 1.4835% | 1,700 |
| Return on Equity (ROE) | 11.1132% | 1,750 |
| Retained earnings to average equity (ytd only) | 9.5266% | 829 |
| Net charge-offs to loans | 0.6465% | 551 |
| Credit loss provision to net charge-offs | 99.4624% | 2,258 |
| Earnings coverage of net charge-offs (x) | 5.0134% | 3,337 |
| Efficiency ratio | 51.9516% | 5,994 |
| Assets per employee ($millions) | 8.7962% | 370 |
| Cash dividends to net income (ytd only)* | 14.2771% | 3,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 2,340 |
| Loan loss allowance to noncurrent loans | 96.0430% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 3,649 |
| Noncurrent loans to loans | 1.6531% | 1,973 |
| Net loans and leases to total assets | 39.1477% | 5,870 |
| Net loans and leases to deposits | 48.5966% | 5,730 |
| Net loans and leases to core deposits | 60.0689% | 5,182 |
| Total domestic deposits to total assets | 80.5565% | 4,947 |
| Equity capital to assets | 11.1169% | 2,845 |
| Core capital (leverage) ratio | 11.1604% | 2,345 |
| Tier 1 risk-based capital ratio | 24.2862% | 954 |
| Total risk-based capital ratio | 25.5379% | 934 |
| Memoranda: | ||
| Average total assets | $389,613,500 | 1,694 |
| Average earning assets | $376,610,250 | 1,619 |
| Average equity | $40,335,250 | 1,777 |
| Average total loans | $153,426,750 | 2,522 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 5,851 |
| Cost of funding earning assets | 0.7403% | 966 |
| Net interest margin | 2.5228% | 6,248 |
| Noninterest income to average assets | 0.2240% | 5,602 |
| Noninterest expense to average assets | 1.3697% | 6,495 |
| Loan and lease loss provision to assets | 0.1858% | 1,319 |
| Net operating income to assets | 0.8423% | 3,117 |
| Return on assets (ROA) | 0.9387% | 2,714 |
| Pretax return on assets | 1.2277% | 2,546 |
| Return on Equity (ROE) | 9.3014% | 2,461 |
| Retained earnings to average equity (ytd only) | 6.8469% | 1,842 |
| Net charge-offs to loans | 0.1591% | 2,119 |
| Credit loss provision to net charge-offs | 297.5207% | 868 |
| Earnings coverage of net charge-offs (x) | 20.6033% | 1,577 |
| Efficiency ratio | 51.5640% | 6,095 |
| Assets per employee ($millions) | 8.6768% | 374 |
| Cash dividends to net income (ytd only)* | 26.3881% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 1,870 |
| Loan loss allowance to noncurrent loans | 86.4209% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 3,387 |
| Noncurrent loans to loans | 2.0699% | 1,617 |
| Net loans and leases to total assets | 38.5695% | 5,919 |
| Net loans and leases to deposits | 47.6189% | 5,790 |
| Net loans and leases to core deposits | 59.0204% | 5,202 |
| Total domestic deposits to total assets | 80.9963% | 4,981 |
| Equity capital to assets | 10.7718% | 3,122 |
| Core capital (leverage) ratio | 10.8983% | 2,533 |
| Tier 1 risk-based capital ratio | 23.4728% | 1,052 |
| Total risk-based capital ratio | 24.7267% | 1,036 |
| Memoranda: | ||
| Average total assets | $387,541,670 | 1,698 |
| Average earning assets | $373,629,330 | 1,626 |
| Average equity | $39,112,330 | 1,809 |
| Average total loans | $152,083,000 | 2,545 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2175% | 5,978 |
| Cost of funding earning assets | 0.7417% | 1,002 |
| Net interest margin | 2.4758% | 6,350 |
| Noninterest income to average assets | 0.2393% | 5,444 |
| Noninterest expense to average assets | 1.3728% | 6,575 |
| Loan and lease loss provision to assets | 0.1865% | 1,281 |
| Net operating income to assets | 0.7959% | 3,172 |
| Return on assets (ROA) | 0.8029% | 3,219 |
| Pretax return on assets | 1.0723% | 3,022 |
| Return on Equity (ROE) | 8.2361% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.2361% | 1,517 |
| Net charge-offs to loans | 0.0132% | 3,343 |
| Credit loss provision to net charge-offs | 3,600.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 241.2000% | 205 |
| Efficiency ratio | 52.3508% | 6,115 |
| Assets per employee ($millions) | 8.6693% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,092 |
| Loan loss allowance to noncurrent loans | 85.6732% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 3,600 |
| Noncurrent loans to loans | 2.0813% | 1,775 |
| Net loans and leases to total assets | 37.8248% | 5,953 |
| Net loans and leases to deposits | 46.5705% | 5,811 |
| Net loans and leases to core deposits | 57.5784% | 5,233 |
| Total domestic deposits to total assets | 81.2204% | 5,175 |
| Equity capital to assets | 10.0623% | 3,774 |
| Core capital (leverage) ratio | 10.7146% | 2,686 |
| Tier 1 risk-based capital ratio | 23.2971% | 1,101 |
| Total risk-based capital ratio | 24.5506% | 1,083 |
| Memoranda: | ||
| Average total assets | $386,084,500 | 1,717 |
| Average earning assets | $371,597,000 | 1,643 |
| Average equity | $37,639,000 | 1,867 |
| Average total loans | $151,454,500 | 2,559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 5,354 |
| Cost of funding earning assets | 0.7234% | 1,658 |
| Net interest margin | 2.8975% | 5,789 |
| Noninterest income to average assets | 0.2273% | 5,716 |
| Noninterest expense to average assets | 1.3023% | 6,683 |
| Loan and lease loss provision to assets | 0.1588% | 2,299 |
| Net operating income to assets | 1.1841% | 1,628 |
| Return on assets (ROA) | 0.6631% | 4,066 |
| Pretax return on assets | 0.8721% | 3,882 |
| Return on Equity (ROE) | 6.2186% | 3,962 |
| Retained earnings to average equity (ytd only) | 3.4195% | 3,800 |
| Net charge-offs to loans | 0.3316% | 2,019 |
| Credit loss provision to net charge-offs | 120.9677% | 1,969 |
| Earnings coverage of net charge-offs (x) | 13.0786% | 2,064 |
| Efficiency ratio | 43.1414% | 6,634 |
| Assets per employee ($millions) | 8.4900% | 394 |
| Cash dividends to net income (ytd only)* | 45.0120% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 2,611 |
| Loan loss allowance to noncurrent loans | 116.4186% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 4,492 |
| Noncurrent loans to loans | 1.4083% | 2,787 |
| Net loans and leases to total assets | 39.3052% | 6,012 |
| Net loans and leases to deposits | 48.1096% | 5,891 |
| Net loans and leases to core deposits | 59.4442% | 5,258 |
| Total domestic deposits to total assets | 81.6992% | 4,974 |
| Equity capital to assets | 9.4289% | 4,519 |
| Core capital (leverage) ratio | 10.7270% | 2,651 |
| Tier 1 risk-based capital ratio | 23.1557% | 1,073 |
| Total risk-based capital ratio | 24.3465% | 1,059 |
| Memoranda: | ||
| Average total assets | $377,943,600 | 1,730 |
| Average earning assets | $364,110,600 | 1,655 |
| Average equity | $40,298,600 | 1,736 |
| Average total loans | $149,588,200 | 2,564 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 5,158 |
| Cost of funding earning assets | 0.7138% | 1,859 |
| Net interest margin | 2.9903% | 5,621 |
| Noninterest income to average assets | 0.2303% | 5,784 |
| Noninterest expense to average assets | 1.3085% | 6,737 |
| Loan and lease loss provision to assets | 0.1592% | 2,270 |
| Net operating income to assets | 1.5632% | 807 |
| Return on assets (ROA) | 0.6226% | 4,376 |
| Pretax return on assets | 0.6562% | 4,835 |
| Return on Equity (ROE) | 5.6726% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.2029% | 3,695 |
| Net charge-offs to loans | 0.3861% | 1,661 |
| Credit loss provision to net charge-offs | 104.4084% | 2,244 |
| Earnings coverage of net charge-offs (x) | 11.8423% | 2,196 |
| Efficiency ratio | 42.0198% | 6,710 |
| Assets per employee ($millions) | 8.3501% | 400 |
| Cash dividends to net income (ytd only)* | 25.9089% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5870% | 3,060 |
| Loan loss allowance to noncurrent loans | 122.1717% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 4,758 |
| Noncurrent loans to loans | 1.2990% | 3,236 |
| Net loans and leases to total assets | 39.9211% | 6,038 |
| Net loans and leases to deposits | 49.0597% | 5,902 |
| Net loans and leases to core deposits | 60.9325% | 5,226 |
| Total domestic deposits to total assets | 81.3725% | 5,115 |
| Equity capital to assets | 9.5948% | 4,426 |
| Core capital (leverage) ratio | 10.8374% | 2,632 |
| Tier 1 risk-based capital ratio | 23.4557% | 1,078 |
| Total risk-based capital ratio | 24.7129% | 1,055 |
| Memoranda: | ||
| Average total assets | $376,917,250 | 1,746 |
| Average earning assets | $363,482,000 | 1,666 |
| Average equity | $41,367,500 | 1,704 |
| Average total loans | $148,818,250 | 2,588 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 4,887 |
| Cost of funding earning assets | 0.7029% | 2,046 |
| Net interest margin | 3.0785% | 5,337 |
| Noninterest income to average assets | 0.2242% | 5,839 |
| Noninterest expense to average assets | 1.3199% | 6,776 |
| Loan and lease loss provision to assets | 0.1590% | 2,331 |
| Net operating income to assets | 1.3506% | 1,192 |
| Return on assets (ROA) | 1.9236% | 437 |
| Pretax return on assets | 2.4585% | 287 |
| Return on Equity (ROE) | 16.8247% | 572 |
| Retained earnings to average equity (ytd only) | 14.7106% | 257 |
| Net charge-offs to loans | 0.0935% | 3,428 |
| Credit loss provision to net charge-offs | 434.7826% | 622 |
| Earnings coverage of net charge-offs (x) | 51.4783% | 787 |
| Efficiency ratio | 41.2115% | 6,775 |
| Assets per employee ($millions) | 8.4622% | 387 |
| Cash dividends to net income (ytd only)* | 12.5654% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,549 |
| Loan loss allowance to noncurrent loans | 117.1492% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 4,614 |
| Noncurrent loans to loans | 1.5065% | 3,037 |
| Net loans and leases to total assets | 38.4422% | 6,146 |
| Net loans and leases to deposits | 47.7928% | 5,991 |
| Net loans and leases to core deposits | 60.2589% | 5,244 |
| Total domestic deposits to total assets | 80.4350% | 5,495 |
| Equity capital to assets | 10.5187% | 3,278 |
| Core capital (leverage) ratio | 11.2462% | 2,137 |
| Tier 1 risk-based capital ratio | 24.7779% | 898 |
| Total risk-based capital ratio | 26.0314% | 884 |
| Memoranda: | ||
| Average total assets | $377,304,330 | 1,747 |
| Average earning assets | $365,050,000 | 1,658 |
| Average equity | $43,139,000 | 1,630 |
| Average total loans | $147,616,000 | 2,607 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 4,964 |
| Cost of funding earning assets | 0.6936% | 2,276 |
| Net interest margin | 3.0654% | 5,385 |
| Noninterest income to average assets | 0.2237% | 5,878 |
| Noninterest expense to average assets | 1.4230% | 6,794 |
| Loan and lease loss provision to assets | 0.1598% | 2,277 |
| Net operating income to assets | 1.3041% | 1,259 |
| Return on assets (ROA) | 1.8373% | 495 |
| Pretax return on assets | 2.2740% | 368 |
| Return on Equity (ROE) | 15.4428% | 687 |
| Retained earnings to average equity (ytd only) | 15.4428% | 318 |
| Net charge-offs to loans | -0.0653% | 6,249 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4888% | 6,753 |
| Assets per employee ($millions) | 8.2690% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7647% | 2,755 |
| Loan loss allowance to noncurrent loans | 103.0012% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 4,547 |
| Noncurrent loans to loans | 1.7133% | 2,974 |
| Net loans and leases to total assets | 38.5065% | 6,119 |
| Net loans and leases to deposits | 47.9211% | 5,927 |
| Net loans and leases to core deposits | 58.8630% | 5,261 |
| Total domestic deposits to total assets | 80.3540% | 5,675 |
| Equity capital to assets | 11.9606% | 2,069 |
| Core capital (leverage) ratio | 11.2049% | 2,088 |
| Tier 1 risk-based capital ratio | 24.9825% | 891 |
| Total risk-based capital ratio | 26.1890% | 888 |
| Memoranda: | ||
| Average total assets | $375,557,500 | 1,762 |
| Average earning assets | $364,455,500 | 1,673 |
| Average equity | $44,681,000 | 1,600 |
| Average total loans | $146,915,500 | 2,632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 5,331 |
| Cost of funding earning assets | 0.8719% | 2,124 |
| Net interest margin | 3.1212% | 5,761 |
| Noninterest income to average assets | 0.2411% | 5,726 |
| Noninterest expense to average assets | 1.4644% | 6,889 |
| Loan and lease loss provision to assets | 0.2896% | 2,352 |
| Net operating income to assets | 1.1542% | 1,759 |
| Return on assets (ROA) | 1.4823% | 1,055 |
| Pretax return on assets | 1.9286% | 701 |
| Return on Equity (ROE) | 12.5731% | 1,341 |
| Retained earnings to average equity (ytd only) | 10.0463% | 593 |
| Net charge-offs to loans | 0.6230% | 1,884 |
| Credit loss provision to net charge-offs | 117.0569% | 2,465 |
| Earnings coverage of net charge-offs (x) | 7.2430% | 2,650 |
| Efficiency ratio | 44.9687% | 6,818 |
| Assets per employee ($millions) | 8.4224% | 414 |
| Cash dividends to net income (ytd only)* | 20.0968% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6219% | 3,213 |
| Loan loss allowance to noncurrent loans | 100.8827% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 4,785 |
| Noncurrent loans to loans | 1.6077% | 3,214 |
| Net loans and leases to total assets | 38.4086% | 6,271 |
| Net loans and leases to deposits | 49.5745% | 5,981 |
| Net loans and leases to core deposits | 60.7760% | 5,293 |
| Total domestic deposits to total assets | 77.4765% | 6,169 |
| Equity capital to assets | 11.8351% | 2,155 |
| Core capital (leverage) ratio | 10.8193% | 2,420 |
| Tier 1 risk-based capital ratio | 23.7306% | 1,003 |
| Total risk-based capital ratio | 24.9886% | 978 |
| Memoranda: | ||
| Average total assets | $362,542,600 | 1,794 |
| Average earning assets | $350,251,000 | 1,705 |
| Average equity | $42,742,200 | 1,630 |
| Average total loans | $143,973,400 | 2,667 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 5,368 |
| Cost of funding earning assets | 0.9076% | 2,123 |
| Net interest margin | 3.1399% | 5,841 |
| Noninterest income to average assets | 0.2459% | 5,793 |
| Noninterest expense to average assets | 1.4188% | 6,984 |
| Loan and lease loss provision to assets | 0.2046% | 3,027 |
| Net operating income to assets | 1.2886% | 1,473 |
| Return on assets (ROA) | 1.5988% | 948 |
| Pretax return on assets | 2.0523% | 626 |
| Return on Equity (ROE) | 13.5750% | 1,202 |
| Retained earnings to average equity (ytd only) | 12.2106% | 498 |
| Net charge-offs to loans | 0.5054% | 2,095 |
| Credit loss provision to net charge-offs | 101.4760% | 2,903 |
| Earnings coverage of net charge-offs (x) | 9.2214% | 2,352 |
| Efficiency ratio | 43.2819% | 6,920 |
| Assets per employee ($millions) | 8.2980% | 428 |
| Cash dividends to net income (ytd only)* | 10.0513% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5350% | 3,794 |
| Loan loss allowance to noncurrent loans | 88.0172% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 4,857 |
| Noncurrent loans to loans | 1.7439% | 3,169 |
| Net loans and leases to total assets | 38.7385% | 6,374 |
| Net loans and leases to deposits | 49.2603% | 6,170 |
| Net loans and leases to core deposits | 57.8862% | 5,740 |
| Total domestic deposits to total assets | 78.6403% | 5,945 |
| Equity capital to assets | 12.1620% | 2,142 |
| Core capital (leverage) ratio | 11.1472% | 2,255 |
| Tier 1 risk-based capital ratio | 23.6447% | 1,068 |
| Total risk-based capital ratio | 24.8641% | 1,053 |
| Memoranda: | ||
| Average total assets | $358,426,000 | 1,837 |
| Average earning assets | $346,117,500 | 1,744 |
| Average equity | $42,213,750 | 1,666 |
| Average total loans | $142,973,750 | 2,711 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 5,148 |
| Cost of funding earning assets | 0.9390% | 2,124 |
| Net interest margin | 3.2050% | 5,725 |
| Noninterest income to average assets | 0.2529% | 5,770 |
| Noninterest expense to average assets | 1.4147% | 7,050 |
| Loan and lease loss provision to assets | 0.1698% | 3,405 |
| Net operating income to assets | 1.3685% | 1,263 |
| Return on assets (ROA) | 1.5149% | 1,089 |
| Pretax return on assets | 1.9568% | 747 |
| Return on Equity (ROE) | 13.0119% | 1,363 |
| Retained earnings to average equity (ytd only) | 10.9121% | 762 |
| Net charge-offs to loans | 0.2061% | 3,335 |
| Credit loss provision to net charge-offs | 205.4795% | 1,384 |
| Earnings coverage of net charge-offs (x) | 23.4384% | 1,253 |
| Efficiency ratio | 42.2155% | 7,014 |
| Assets per employee ($millions) | 7.9299% | 481 |
| Cash dividends to net income (ytd only)* | 16.1375% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6906% | 3,266 |
| Loan loss allowance to noncurrent loans | 73.8088% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 4,463 |
| Noncurrent loans to loans | 2.2906% | 2,623 |
| Net loans and leases to total assets | 39.1255% | 6,396 |
| Net loans and leases to deposits | 47.8113% | 6,324 |
| Net loans and leases to core deposits | 57.4213% | 5,822 |
| Total domestic deposits to total assets | 81.8332% | 5,191 |
| Equity capital to assets | 12.0403% | 2,122 |
| Core capital (leverage) ratio | 10.6824% | 2,623 |
| Tier 1 risk-based capital ratio | 23.2170% | 1,106 |
| Total risk-based capital ratio | 24.4623% | 1,089 |
| Memoranda: | ||
| Average total assets | $353,431,670 | 1,858 |
| Average earning assets | $341,648,670 | 1,762 |
| Average equity | $41,147,000 | 1,701 |
| Average total loans | $141,662,330 | 2,749 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 5,117 |
| Cost of funding earning assets | 0.9655% | 2,192 |
| Net interest margin | 3.2293% | 5,702 |
| Noninterest income to average assets | 0.2707% | 5,712 |
| Noninterest expense to average assets | 1.4534% | 7,084 |
| Loan and lease loss provision to assets | 0.1706% | 3,266 |
| Net operating income to assets | 1.3885% | 1,246 |
| Return on assets (ROA) | 1.4045% | 1,366 |
| Pretax return on assets | 1.7900% | 1,091 |
| Return on Equity (ROE) | 12.2770% | 1,590 |
| Retained earnings to average equity (ytd only) | 12.2770% | 784 |
| Net charge-offs to loans | 0.0396% | 4,143 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 121.8571% | 290 |
| Efficiency ratio | 42.8284% | 7,030 |
| Assets per employee ($millions) | 7.9954% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,337 |
| Loan loss allowance to noncurrent loans | 68.5073% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 4,572 |
| Noncurrent loans to loans | 2.4865% | 2,620 |
| Net loans and leases to total assets | 38.2030% | 6,480 |
| Net loans and leases to deposits | 47.6224% | 6,314 |
| Net loans and leases to core deposits | 56.1130% | 5,897 |
| Total domestic deposits to total assets | 80.2207% | 5,799 |
| Equity capital to assets | 11.4275% | 2,503 |
| Core capital (leverage) ratio | 10.5563% | 2,690 |
| Tier 1 risk-based capital ratio | 23.2595% | 1,101 |
| Total risk-based capital ratio | 24.5129% | 1,079 |
| Memoranda: | ||
| Average total assets | $351,725,500 | 1,880 |
| Average earning assets | $340,134,500 | 1,776 |
| Average equity | $40,238,000 | 1,725 |
| Average total loans | $141,484,500 | 2,764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 5,100 |
| Cost of funding earning assets | 1.2466% | 1,754 |
| Net interest margin | 3.2463% | 5,969 |
| Noninterest income to average assets | 0.3051% | 5,355 |
| Noninterest expense to average assets | 1.4722% | 7,185 |
| Loan and lease loss provision to assets | 0.3013% | 3,260 |
| Net operating income to assets | 1.2578% | 1,358 |
| Return on assets (ROA) | 1.5010% | 897 |
| Pretax return on assets | 1.9824% | 547 |
| Return on Equity (ROE) | 13.2585% | 1,108 |
| Retained earnings to average equity (ytd only) | 9.9474% | 583 |
| Net charge-offs to loans | 0.6101% | 2,617 |
| Credit loss provision to net charge-offs | 111.7647% | 2,969 |
| Earnings coverage of net charge-offs (x) | 7.2847% | 2,362 |
| Efficiency ratio | 42.8466% | 7,152 |
| Assets per employee ($millions) | 7.6369% | 545 |
| Cash dividends to net income (ytd only)* | 24.9736% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,711 |
| Loan loss allowance to noncurrent loans | 69.5666% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 4,693 |
| Noncurrent loans to loans | 2.2566% | 2,889 |
| Net loans and leases to total assets | 40.9966% | 6,464 |
| Net loans and leases to deposits | 51.8617% | 6,227 |
| Net loans and leases to core deposits | 61.8795% | 5,666 |
| Total domestic deposits to total assets | 79.0499% | 5,986 |
| Equity capital to assets | 11.4535% | 2,542 |
| Core capital (leverage) ratio | 10.5580% | 2,651 |
| Tier 1 risk-based capital ratio | 22.3660% | 1,186 |
| Total risk-based capital ratio | 23.6184% | 1,160 |
| Memoranda: | ||
| Average total assets | $315,317,400 | 2,038 |
| Average earning assets | $304,104,200 | 1,930 |
| Average equity | $35,697,800 | 1,895 |
| Average total loans | $139,331,000 | 2,802 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 5,027 |
| Cost of funding earning assets | 1.3026% | 1,685 |
| Net interest margin | 3.2597% | 5,988 |
| Noninterest income to average assets | 0.3275% | 5,243 |
| Noninterest expense to average assets | 1.4690% | 7,249 |
| Loan and lease loss provision to assets | 0.1947% | 4,074 |
| Net operating income to assets | 1.2949% | 1,393 |
| Return on assets (ROA) | 1.5257% | 967 |
| Pretax return on assets | 2.1321% | 486 |
| Return on Equity (ROE) | 13.5201% | 1,152 |
| Retained earnings to average equity (ytd only) | 11.3811% | 569 |
| Net charge-offs to loans | 0.1917% | 4,264 |
| Credit loss provision to net charge-offs | 226.1307% | 1,264 |
| Earnings coverage of net charge-offs (x) | 23.3063% | 1,120 |
| Efficiency ratio | 42.2704% | 7,199 |
| Assets per employee ($millions) | 7.8655% | 498 |
| Cash dividends to net income (ytd only)* | 15.8208% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 3,222 |
| Loan loss allowance to noncurrent loans | 80.5509% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 4,977 |
| Noncurrent loans to loans | 2.1281% | 3,207 |
| Net loans and leases to total assets | 40.6521% | 6,586 |
| Net loans and leases to deposits | 51.1030% | 6,437 |
| Net loans and leases to core deposits | 63.8129% | 5,635 |
| Total domestic deposits to total assets | 79.5495% | 5,856 |
| Equity capital to assets | 11.4412% | 2,739 |
| Core capital (leverage) ratio | 11.0055% | 2,382 |
| Tier 1 risk-based capital ratio | 22.8401% | 1,167 |
| Total risk-based capital ratio | 24.0945% | 1,148 |
| Memoranda: | ||
| Average total assets | $308,231,750 | 2,083 |
| Average earning assets | $297,649,250 | 1,973 |
| Average equity | $34,782,000 | 1,935 |
| Average total loans | $138,379,750 | 2,846 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 4,495 |
| Cost of funding earning assets | 1.3385% | 1,709 |
| Net interest margin | 3.3710% | 5,635 |
| Noninterest income to average assets | 0.3004% | 5,485 |
| Noninterest expense to average assets | 1.5022% | 7,305 |
| Loan and lease loss provision to assets | 0.2012% | 3,912 |
| Net operating income to assets | 1.3203% | 1,269 |
| Return on assets (ROA) | 1.5169% | 918 |
| Pretax return on assets | 2.1252% | 468 |
| Return on Equity (ROE) | 13.5136% | 1,083 |
| Retained earnings to average equity (ytd only) | 10.1800% | 810 |
| Net charge-offs to loans | -0.2916% | 7,344 |
| Credit loss provision to net charge-offs | -149.2537% | 6,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2961% | 7,295 |
| Assets per employee ($millions) | 7.2853% | 631 |
| Cash dividends to net income (ytd only)* | 24.6684% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 2,638 |
| Loan loss allowance to noncurrent loans | 90.2215% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.9369% | 4,988 |
| Noncurrent loans to loans | 2.1173% | 3,328 |
| Net loans and leases to total assets | 43.4047% | 6,485 |
| Net loans and leases to deposits | 52.6331% | 6,424 |
| Net loans and leases to core deposits | 64.6252% | 5,659 |
| Total domestic deposits to total assets | 82.4666% | 4,997 |
| Equity capital to assets | 11.3231% | 2,663 |
| Core capital (leverage) ratio | 10.8758% | 2,354 |
| Tier 1 risk-based capital ratio | 22.8587% | 1,143 |
| Total risk-based capital ratio | 24.1158% | 1,119 |
| Memoranda: | ||
| Average total assets | $298,237,000 | 2,161 |
| Average earning assets | $287,628,330 | 2,056 |
| Average equity | $33,477,330 | 1,982 |
| Average total loans | $137,876,330 | 2,892 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 4,385 |
| Cost of funding earning assets | 1.3577% | 1,840 |
| Net interest margin | 3.3693% | 5,543 |
| Noninterest income to average assets | 0.3302% | 5,263 |
| Noninterest expense to average assets | 1.5451% | 7,341 |
| Loan and lease loss provision to assets | 0.2064% | 3,575 |
| Net operating income to assets | 1.3253% | 1,215 |
| Return on assets (ROA) | 1.4117% | 1,079 |
| Pretax return on assets | 1.9441% | 618 |
| Return on Equity (ROE) | 12.6355% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.6355% | 650 |
| Net charge-offs to loans | -0.7447% | 7,461 |
| Credit loss provision to net charge-offs | -58.5938% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1923% | 7,311 |
| Assets per employee ($millions) | 7.2207% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,848 |
| Loan loss allowance to noncurrent loans | 97.3313% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 5,116 |
| Noncurrent loans to loans | 1.9047% | 3,695 |
| Net loans and leases to total assets | 44.5674% | 6,421 |
| Net loans and leases to deposits | 55.7649% | 6,154 |
| Net loans and leases to core deposits | 65.2457% | 5,594 |
| Total domestic deposits to total assets | 79.9201% | 5,965 |
| Equity capital to assets | 10.9494% | 2,736 |
| Core capital (leverage) ratio | 11.4896% | 1,852 |
| Tier 1 risk-based capital ratio | 22.3990% | 1,162 |
| Total risk-based capital ratio | 23.6555% | 1,139 |
| Memoranda: | ||
| Average total assets | $290,720,500 | 2,225 |
| Average earning assets | $280,176,500 | 2,111 |
| Average equity | $32,480,000 | 2,013 |
| Average total loans | $137,503,500 | 2,936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 4,759 |
| Cost of funding earning assets | 1.6014% | 2,064 |
| Net interest margin | 3.3550% | 5,773 |
| Noninterest income to average assets | 0.3344% | 5,394 |
| Noninterest expense to average assets | 1.7271% | 7,328 |
| Loan and lease loss provision to assets | 0.2916% | 4,462 |
| Net operating income to assets | 1.1130% | 1,664 |
| Return on assets (ROA) | 1.2485% | 1,367 |
| Pretax return on assets | 1.7263% | 896 |
| Return on Equity (ROE) | 9.9485% | 1,947 |
| Retained earnings to average equity (ytd only) | 6.8998% | 1,365 |
| Net charge-offs to loans | 0.2519% | 4,779 |
| Credit loss provision to net charge-offs | 227.2727% | 1,295 |
| Earnings coverage of net charge-offs (x) | 14.2606% | 1,353 |
| Efficiency ratio | 48.5571% | 7,234 |
| Assets per employee ($millions) | 6.6231% | 895 |
| Cash dividends to net income (ytd only)* | 30.6447% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,722 |
| Loan loss allowance to noncurrent loans | 86.8176% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 5,188 |
| Noncurrent loans to loans | 1.8012% | 3,818 |
| Net loans and leases to total assets | 48.5843% | 6,326 |
| Net loans and leases to deposits | 62.9755% | 5,748 |
| Net loans and leases to core deposits | 68.9485% | 5,562 |
| Total domestic deposits to total assets | 77.1480% | 6,461 |
| Equity capital to assets | 11.4152% | 2,334 |
| Core capital (leverage) ratio | 11.7034% | 1,723 |
| Tier 1 risk-based capital ratio | 22.4646% | 1,111 |
| Total risk-based capital ratio | 23.6759% | 1,099 |
| Memoranda: | ||
| Average total assets | $257,197,000 | 2,479 |
| Average earning assets | $247,031,200 | 2,363 |
| Average equity | $32,276,200 | 2,037 |
| Average total loans | $131,018,800 | 3,103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 4,875 |
| Cost of funding earning assets | 1.6570% | 2,062 |
| Net interest margin | 3.3312% | 5,923 |
| Noninterest income to average assets | 0.3498% | 5,371 |
| Noninterest expense to average assets | 1.7505% | 7,390 |
| Loan and lease loss provision to assets | 0.2381% | 4,695 |
| Net operating income to assets | 1.1592% | 1,708 |
| Return on assets (ROA) | 1.2129% | 1,638 |
| Pretax return on assets | 1.6315% | 1,268 |
| Return on Equity (ROE) | 9.4299% | 2,340 |
| Retained earnings to average equity (ytd only) | 7.8500% | 1,470 |
| Net charge-offs to loans | 0.0896% | 5,630 |
| Credit loss provision to net charge-offs | 517.2414% | 565 |
| Earnings coverage of net charge-offs (x) | 39.0335% | 695 |
| Efficiency ratio | 49.3437% | 7,193 |
| Assets per employee ($millions) | 6.3784% | 1,029 |
| Cash dividends to net income (ytd only)* | 16.7540% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 3,568 |
| Loan loss allowance to noncurrent loans | 77.9560% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 5,016 |
| Noncurrent loans to loans | 2.0380% | 3,634 |
| Net loans and leases to total assets | 48.3262% | 6,489 |
| Net loans and leases to deposits | 64.5129% | 5,850 |
| Net loans and leases to core deposits | 69.6943% | 5,779 |
| Total domestic deposits to total assets | 74.9093% | 6,810 |
| Equity capital to assets | 12.7368% | 1,728 |
| Core capital (leverage) ratio | 12.2076% | 1,560 |
| Tier 1 risk-based capital ratio | 23.6340% | 989 |
| Total risk-based capital ratio | 24.8882% | 967 |
| Memoranda: | ||
| Average total assets | $251,953,250 | 2,564 |
| Average earning assets | $241,870,500 | 2,447 |
| Average equity | $32,406,750 | 2,045 |
| Average total loans | $129,449,750 | 3,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0269% | 4,817 |
| Cost of funding earning assets | 1.7356% | 1,939 |
| Net interest margin | 3.2913% | 6,043 |
| Noninterest income to average assets | 0.3633% | 5,236 |
| Noninterest expense to average assets | 1.8067% | 7,381 |
| Loan and lease loss provision to assets | 0.2433% | 4,486 |
| Net operating income to assets | 1.1046% | 1,841 |
| Return on assets (ROA) | 1.1198% | 1,854 |
| Pretax return on assets | 1.4937% | 1,573 |
| Return on Equity (ROE) | 8.6759% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.2635% | 2,194 |
| Net charge-offs to loans | 0.1445% | 4,781 |
| Credit loss provision to net charge-offs | 322.5806% | 1,136 |
| Earnings coverage of net charge-offs (x) | 22.7634% | 1,123 |
| Efficiency ratio | 51.2773% | 7,130 |
| Assets per employee ($millions) | 5.9906% | 1,237 |
| Cash dividends to net income (ytd only)* | 27.8059% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,969 |
| Loan loss allowance to noncurrent loans | 79.7197% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 5,152 |
| Noncurrent loans to loans | 1.8742% | 3,900 |
| Net loans and leases to total assets | 50.6767% | 6,356 |
| Net loans and leases to deposits | 66.6096% | 5,733 |
| Net loans and leases to core deposits | 70.3159% | 5,841 |
| Total domestic deposits to total assets | 76.0802% | 6,677 |
| Equity capital to assets | 13.0056% | 1,565 |
| Core capital (leverage) ratio | 12.3998% | 1,447 |
| Tier 1 risk-based capital ratio | 23.6895% | 977 |
| Total risk-based capital ratio | 24.9431% | 957 |
| Memoranda: | ||
| Average total assets | $246,640,330 | 2,633 |
| Average earning assets | $236,805,330 | 2,522 |
| Average equity | $31,835,330 | 2,071 |
| Average total loans | $128,749,000 | 3,220 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 5,108 |
| Cost of funding earning assets | 1.8548% | 1,638 |
| Net interest margin | 3.1259% | 6,530 |
| Noninterest income to average assets | 0.3883% | 5,014 |
| Noninterest expense to average assets | 1.8775% | 7,366 |
| Loan and lease loss provision to assets | 0.2457% | 4,080 |
| Net operating income to assets | 0.8896% | 2,596 |
| Return on assets (ROA) | 0.8896% | 2,665 |
| Pretax return on assets | 1.2664% | 2,150 |
| Return on Equity (ROE) | 6.9191% | 3,388 |
| Retained earnings to average equity (ytd only) | 6.9191% | 2,171 |
| Net charge-offs to loans | 0.1184% | 4,267 |
| Credit loss provision to net charge-offs | 394.7368% | 1,036 |
| Earnings coverage of net charge-offs (x) | 24.2895% | 1,025 |
| Efficiency ratio | 55.3891% | 6,840 |
| Assets per employee ($millions) | 5.9241% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,232 |
| Loan loss allowance to noncurrent loans | 75.5857% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.0365% | 5,075 |
| Noncurrent loans to loans | 1.8995% | 3,921 |
| Net loans and leases to total assets | 50.7399% | 6,399 |
| Net loans and leases to deposits | 67.5298% | 5,643 |
| Net loans and leases to core deposits | 71.3796% | 5,784 |
| Total domestic deposits to total assets | 75.1371% | 6,887 |
| Equity capital to assets | 12.7912% | 1,603 |
| Core capital (leverage) ratio | 12.5615% | 1,385 |
| Tier 1 risk-based capital ratio | 23.3187% | 1,030 |
| Total risk-based capital ratio | 24.5712% | 1,013 |
| Memoranda: | ||
| Average total assets | $244,157,000 | 2,717 |
| Average earning assets | $234,425,000 | 2,600 |
| Average equity | $31,391,500 | 2,119 |
| Average total loans | $128,403,500 | 3,290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4663% | 4,352 |
| Cost of funding earning assets | 2.0383% | 2,781 |
| Net interest margin | 3.4280% | 5,260 |
| Noninterest income to average assets | 0.3841% | 5,342 |
| Noninterest expense to average assets | 1.9717% | 7,409 |
| Loan and lease loss provision to assets | 0.6641% | 3,153 |
| Net operating income to assets | 0.7778% | 2,611 |
| Return on assets (ROA) | 0.8042% | 2,607 |
| Pretax return on assets | 1.0640% | 2,361 |
| Return on Equity (ROE) | 5.8635% | 3,269 |
| Retained earnings to average equity (ytd only) | 2.7512% | 3,232 |
| Net charge-offs to loans | 1.0358% | 2,344 |
| Credit loss provision to net charge-offs | 116.5087% | 4,655 |
| Earnings coverage of net charge-offs (x) | 2.9708% | 3,593 |
| Efficiency ratio | 53.7961% | 7,252 |
| Assets per employee ($millions) | 5.7024% | 1,464 |
| Cash dividends to net income (ytd only)* | 53.0795% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,527 |
| Loan loss allowance to noncurrent loans | 114.0687% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 5,851 |
| Noncurrent loans to loans | 1.1762% | 4,974 |
| Net loans and leases to total assets | 53.0242% | 6,306 |
| Net loans and leases to deposits | 70.6602% | 5,516 |
| Net loans and leases to core deposits | 80.2039% | 6,074 |
| Total domestic deposits to total assets | 75.0411% | 6,856 |
| Equity capital to assets | 12.9256% | 1,536 |
| Core capital (leverage) ratio | 12.9202% | 1,272 |
| Tier 1 risk-based capital ratio | 23.0283% | 1,040 |
| Total risk-based capital ratio | 24.2801% | 1,017 |
| Memoranda: | ||
| Average total assets | $222,089,600 | 2,913 |
| Average earning assets | $212,575,800 | 2,803 |
| Average equity | $30,459,600 | 2,198 |
| Average total loans | $122,228,200 | 3,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5630% | 4,081 |
| Cost of funding earning assets | 2.0811% | 2,976 |
| Net interest margin | 3.4819% | 4,941 |
| Noninterest income to average assets | 0.4023% | 5,265 |
| Noninterest expense to average assets | 2.0011% | 7,382 |
| Loan and lease loss provision to assets | 0.5664% | 3,121 |
| Net operating income to assets | 0.8048% | 2,792 |
| Return on assets (ROA) | 0.8230% | 2,774 |
| Pretax return on assets | 1.1929% | 2,289 |
| Return on Equity (ROE) | 5.9072% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.2722% | 2,886 |
| Net charge-offs to loans | 0.7982% | 2,370 |
| Credit loss provision to net charge-offs | 128.1163% | 3,917 |
| Earnings coverage of net charge-offs (x) | 3.9197% | 3,333 |
| Efficiency ratio | 53.5913% | 7,281 |
| Assets per employee ($millions) | 5.7006% | 1,431 |
| Cash dividends to net income (ytd only)* | 27.6786% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,962 |
| Loan loss allowance to noncurrent loans | 104.2399% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 5,626 |
| Noncurrent loans to loans | 1.3404% | 4,695 |
| Net loans and leases to total assets | 53.2639% | 6,465 |
| Net loans and leases to deposits | 71.7809% | 5,684 |
| Net loans and leases to core deposits | 81.8981% | 6,199 |
| Total domestic deposits to total assets | 74.2035% | 6,912 |
| Equity capital to assets | 13.7381% | 1,403 |
| Core capital (leverage) ratio | 13.4127% | 1,257 |
| Tier 1 risk-based capital ratio | 24.4772% | 951 |
| Total risk-based capital ratio | 25.7294% | 932 |
| Memoranda: | ||
| Average total assets | $217,736,500 | 2,991 |
| Average earning assets | $208,348,750 | 2,872 |
| Average equity | $30,335,250 | 2,230 |
| Average total loans | $120,605,000 | 3,495 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 3,839 |
| Cost of funding earning assets | 2.1335% | 3,115 |
| Net interest margin | 3.5125% | 4,748 |
| Noninterest income to average assets | 0.4162% | 5,151 |
| Noninterest expense to average assets | 2.0643% | 7,346 |
| Loan and lease loss provision to assets | 0.2800% | 4,336 |
| Net operating income to assets | 0.9975% | 2,114 |
| Return on assets (ROA) | 1.0256% | 2,103 |
| Pretax return on assets | 1.4708% | 1,524 |
| Return on Equity (ROE) | 7.3254% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.8459% | 2,598 |
| Net charge-offs to loans | -0.1152% | 7,970 |
| Credit loss provision to net charge-offs | -434.7826% | 7,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6848% | 7,260 |
| Assets per employee ($millions) | 5.3825% | 1,688 |
| Cash dividends to net income (ytd only)* | 33.8490% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 2,872 |
| Loan loss allowance to noncurrent loans | 113.3333% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7862% | 5,433 |
| Noncurrent loans to loans | 1.3854% | 4,445 |
| Net loans and leases to total assets | 53.6056% | 6,507 |
| Net loans and leases to deposits | 72.6532% | 5,647 |
| Net loans and leases to core deposits | 84.5035% | 6,052 |
| Total domestic deposits to total assets | 73.7829% | 6,980 |
| Equity capital to assets | 13.6562% | 1,437 |
| Core capital (leverage) ratio | 13.7291% | 1,205 |
| Tier 1 risk-based capital ratio | 25.0108% | 939 |
| Total risk-based capital ratio | 26.2653% | 920 |
| Memoranda: | ||
| Average total assets | $214,307,670 | 3,050 |
| Average earning assets | $204,923,670 | 2,938 |
| Average equity | $30,005,000 | 2,261 |
| Average total loans | $119,748,330 | 3,541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7059% | 3,777 |
| Cost of funding earning assets | 2.1923% | 3,203 |
| Net interest margin | 3.5136% | 4,673 |
| Noninterest income to average assets | 0.4585% | 4,697 |
| Noninterest expense to average assets | 1.9970% | 7,360 |
| Loan and lease loss provision to assets | 0.2842% | 3,686 |
| Net operating income to assets | 1.1085% | 1,933 |
| Return on assets (ROA) | 1.1671% | 1,866 |
| Pretax return on assets | 1.6143% | 1,373 |
| Return on Equity (ROE) | 8.2301% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.2301% | 1,732 |
| Net charge-offs to loans | -0.3781% | 8,090 |
| Credit loss provision to net charge-offs | -132.7434% | 6,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3597% | 7,379 |
| Assets per employee ($millions) | 5.0676% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,985 |
| Loan loss allowance to noncurrent loans | 92.5195% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 4,765 |
| Noncurrent loans to loans | 1.6223% | 3,844 |
| Net loans and leases to total assets | 54.9138% | 6,364 |
| Net loans and leases to deposits | 73.7863% | 5,506 |
| Net loans and leases to core deposits | 85.4922% | 5,949 |
| Total domestic deposits to total assets | 74.4227% | 6,815 |
| Equity capital to assets | 14.3318% | 1,272 |
| Core capital (leverage) ratio | 13.9902% | 1,195 |
| Tier 1 risk-based capital ratio | 25.5626% | 924 |
| Total risk-based capital ratio | 26.8182% | 902 |
| Memoranda: | ||
| Average total assets | $211,119,500 | 3,102 |
| Average earning assets | $201,617,000 | 2,996 |
| Average equity | $29,939,000 | 2,280 |
| Average total loans | $119,529,500 | 3,572 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2669% | 4,146 |
| Cost of funding earning assets | 2.5618% | 3,896 |
| Net interest margin | 3.7051% | 4,453 |
| Noninterest income to average assets | 0.4204% | 5,293 |
| Noninterest expense to average assets | 1.9404% | 7,552 |
| Loan and lease loss provision to assets | 0.3442% | 3,642 |
| Net operating income to assets | 1.1988% | 1,770 |
| Return on assets (ROA) | 1.1241% | 1,967 |
| Pretax return on assets | 1.5632% | 1,507 |
| Return on Equity (ROE) | 7.9464% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.0392% | 2,620 |
| Net charge-offs to loans | 0.6884% | 1,782 |
| Credit loss provision to net charge-offs | 88.8325% | 5,705 |
| Earnings coverage of net charge-offs (x) | 5.1904% | 3,728 |
| Efficiency ratio | 49.1040% | 7,726 |
| Assets per employee ($millions) | 4.9857% | 1,953 |
| Cash dividends to net income (ytd only)* | 49.1689% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2608% | 4,041 |
| Loan loss allowance to noncurrent loans | 108.0427% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 4,932 |
| Noncurrent loans to loans | 1.1670% | 4,193 |
| Net loans and leases to total assets | 56.7727% | 6,352 |
| Net loans and leases to deposits | 76.3869% | 5,548 |
| Net loans and leases to core deposits | 88.7437% | 5,914 |
| Total domestic deposits to total assets | 74.3226% | 6,595 |
| Equity capital to assets | 14.0278% | 1,415 |
| Core capital (leverage) ratio | 14.2004% | 1,217 |
| Tier 1 risk-based capital ratio | 24.6047% | 1,025 |
| Total risk-based capital ratio | 25.8559% | 1,000 |
| Memoranda: | ||
| Average total assets | $203,362,800 | 3,098 |
| Average earning assets | $193,811,600 | 2,983 |
| Average equity | $28,767,800 | 2,353 |
| Average total loans | $114,471,200 | 3,578 |