Home > The City National Bank of Taylor > Performance and Condition Ratios
The City National Bank of Taylor, 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 | 4.4178% | 3,248 |
| Cost of funding earning assets | 0.1923% | 4,447 |
| Net interest margin | 4.2255% | 896 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 2.8701% | 1,334 |
| Loan and lease loss provision to assets | -0.1900% | 4,556 |
| Net operating income to assets | 2.1900% | 345 |
| Return on assets (ROA) | 2.1900% | 336 |
| Pretax return on assets | 2.1900% | 498 |
| Return on Equity (ROE) | 27.6100% | 228 |
| Retained earnings to average equity (ytd only) | 13.0237% | 499 |
| Net charge-offs to loans | -0.0943% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.9275% | 3,196 |
| Assets per employee ($millions) | 6.6897% | 2,278 |
| Cash dividends to net income (ytd only)* | 52.8302% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,005 |
| Loan loss allowance to noncurrent loans | 153.9568% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 1,449 |
| Noncurrent loans to loans | 0.6914% | 1,136 |
| Net loans and leases to total assets | 54.7700% | 3,289 |
| Net loans and leases to deposits | 60.6154% | 3,485 |
| Net loans and leases to core deposits | 61.9173% | 3,683 |
| Total domestic deposits to total assets | 90.3600% | 660 |
| Equity capital to assets | 9.4855% | 2,355 |
| Core capital (leverage) ratio | 12.2648% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4405% | 296 |
| Memoranda: | ||
| Average total assets | $263,791,600 | 2,603 |
| Average earning assets | $255,328,600 | 2,537 |
| Average equity | $20,923,400 | 2,783 |
| Average total loans | $139,973,400 | 2,769 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 3,168 |
| Cost of funding earning assets | 0.1515% | 4,474 |
| Net interest margin | 4.2133% | 902 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.8170% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0411% | 475 |
| Return on assets (ROA) | 2.0411% | 468 |
| Pretax return on assets | 2.0411% | 720 |
| Return on Equity (ROE) | 27.0000% | 309 |
| Retained earnings to average equity (ytd only) | 11.0037% | 1,156 |
| Net charge-offs to loans | -0.1183% | 4,516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.9854% | 3,206 |
| Assets per employee ($millions) | 6.5992% | 2,247 |
| Cash dividends to net income (ytd only)* | 59.2393% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,462 |
| Loan loss allowance to noncurrent loans | 198.9011% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 1,446 |
| Noncurrent loans to loans | 0.7021% | 1,180 |
| Net loans and leases to total assets | 56.0600% | 3,196 |
| Net loans and leases to deposits | 61.2489% | 3,441 |
| Net loans and leases to core deposits | 61.5113% | 3,632 |
| Total domestic deposits to total assets | 91.5300% | 553 |
| Equity capital to assets | 8.0652% | 3,017 |
| Core capital (leverage) ratio | 11.6973% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4760% | 333 |
| Memoranda: | ||
| Average total assets | $266,187,250 | 2,597 |
| Average earning assets | $257,874,000 | 2,535 |
| Average equity | $20,126,000 | 2,839 |
| Average total loans | $139,783,250 | 2,777 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 3,127 |
| Cost of funding earning assets | 0.1019% | 4,517 |
| Net interest margin | 4.1806% | 957 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.7089% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1045% | 400 |
| Return on assets (ROA) | 2.1045% | 394 |
| Pretax return on assets | 2.1045% | 621 |
| Return on Equity (ROE) | 28.4200% | 252 |
| Retained earnings to average equity (ytd only) | 9.5257% | 1,532 |
| Net charge-offs to loans | -0.0043% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.2787% | 3,384 |
| Assets per employee ($millions) | 6.4023% | 2,381 |
| Cash dividends to net income (ytd only)* | 66.4799% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 1,888 |
| Loan loss allowance to noncurrent loans | 181.5534% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,325 |
| Noncurrent loans to loans | 0.7216% | 1,039 |
| Net loans and leases to total assets | 55.0100% | 3,191 |
| Net loans and leases to deposits | 59.9619% | 3,420 |
| Net loans and leases to core deposits | 60.1477% | 3,626 |
| Total domestic deposits to total assets | 91.7400% | 470 |
| Equity capital to assets | 7.9421% | 3,253 |
| Core capital (leverage) ratio | 11.1129% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3674% | 370 |
| Memoranda: | ||
| Average total assets | $271,327,000 | 2,582 |
| Average earning assets | $263,021,667 | 2,515 |
| Average equity | $20,093,000 | 2,857 |
| Average total loans | $138,851,000 | 2,782 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 3,196 |
| Cost of funding earning assets | 0.0502% | 4,577 |
| Net interest margin | 4.0767% | 1,134 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.5711% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1266% | 416 |
| Return on assets (ROA) | 2.1266% | 407 |
| Pretax return on assets | 2.1266% | 633 |
| Return on Equity (ROE) | 29.7000% | 240 |
| Retained earnings to average equity (ytd only) | 13.0596% | 1,084 |
| Net charge-offs to loans | -0.0029% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.7314% | 3,531 |
| Assets per employee ($millions) | 7.3136% | 1,743 |
| Cash dividends to net income (ytd only)* | 56.0351% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,794 |
| Loan loss allowance to noncurrent loans | 180.1350% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 1,347 |
| Noncurrent loans to loans | 0.7524% | 1,018 |
| Net loans and leases to total assets | 50.2500% | 3,475 |
| Net loans and leases to deposits | 54.5059% | 3,649 |
| Net loans and leases to core deposits | 54.6650% | 3,806 |
| Total domestic deposits to total assets | 92.1800% | 477 |
| Equity capital to assets | 7.6288% | 3,491 |
| Core capital (leverage) ratio | 10.3023% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2757% | 339 |
| Memoranda: | ||
| Average total assets | $278,944,500 | 2,561 |
| Average earning assets | $270,806,000 | 2,502 |
| Average equity | $19,970,000 | 2,897 |
| Average total loans | $136,904,000 | 2,828 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3602% | 3,448 |
| Cost of funding earning assets | 0.0203% | 4,626 |
| Net interest margin | 3.3399% | 2,451 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.3891% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5726% | 735 |
| Return on assets (ROA) | 1.5726% | 701 |
| Pretax return on assets | 1.5726% | 1,231 |
| Return on Equity (ROE) | 22.9500% | 282 |
| Retained earnings to average equity (ytd only) | 13.9973% | 387 |
| Net charge-offs to loans | -0.0921% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.3049% | 3,014 |
| Assets per employee ($millions) | 7.5601% | 1,576 |
| Cash dividends to net income (ytd only)* | 39.0106% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 1,595 |
| Loan loss allowance to noncurrent loans | 170.7228% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 1,348 |
| Noncurrent loans to loans | 0.8038% | 923 |
| Net loans and leases to total assets | 46.6800% | 3,757 |
| Net loans and leases to deposits | 50.0951% | 3,893 |
| Net loans and leases to core deposits | 50.1834% | 3,970 |
| Total domestic deposits to total assets | 93.1900% | 365 |
| Equity capital to assets | 6.7167% | 3,805 |
| Core capital (leverage) ratio | 9.4964% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3804% | 355 |
| Memoranda: | ||
| Average total assets | $293,076,000 | 2,485 |
| Average earning assets | $285,306,200 | 2,417 |
| Average equity | $20,082,400 | 2,948 |
| Average total loans | $130,237,400 | 2,825 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 3,572 |
| Cost of funding earning assets | 0.0205% | 4,662 |
| Net interest margin | 3.1227% | 2,859 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.3780% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3613% | 1,190 |
| Return on assets (ROA) | 1.3613% | 1,161 |
| Pretax return on assets | 1.3613% | 1,846 |
| Return on Equity (ROE) | 19.7700% | 455 |
| Retained earnings to average equity (ytd only) | 9.2244% | 1,571 |
| Net charge-offs to loans | -0.1201% | 4,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.5956% | 2,608 |
| Assets per employee ($millions) | 8.2556% | 1,194 |
| Cash dividends to net income (ytd only)* | 53.3422% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,663 |
| Loan loss allowance to noncurrent loans | 171.9298% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 1,529 |
| Noncurrent loans to loans | 0.8037% | 996 |
| Net loans and leases to total assets | 43.5100% | 3,907 |
| Net loans and leases to deposits | 46.1870% | 4,019 |
| Net loans and leases to core deposits | 46.3035% | 4,092 |
| Total domestic deposits to total assets | 94.1900% | 334 |
| Equity capital to assets | 5.4443% | 4,148 |
| Core capital (leverage) ratio | 8.8617% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1338% | 423 |
| Memoranda: | ||
| Average total assets | $294,524,000 | 2,498 |
| Average earning assets | $286,754,750 | 2,423 |
| Average equity | $20,279,000 | 2,970 |
| Average total loans | $128,803,250 | 2,840 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0345% | 3,467 |
| Cost of funding earning assets | 0.0212% | 4,714 |
| Net interest margin | 3.0133% | 2,838 |
| Noninterest income to average assets | 0.6951% | 1,357 |
| Noninterest expense to average assets | 2.3838% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2438% | 1,295 |
| Return on assets (ROA) | 1.2438% | 1,280 |
| Pretax return on assets | 1.2438% | 1,923 |
| Return on Equity (ROE) | 16.8316% | 586 |
| Retained earnings to average equity (ytd only) | 6.0292% | 2,328 |
| Net charge-offs to loans | -0.1719% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7127% | 2,555 |
| Assets per employee ($millions) | 7.9032% | 1,357 |
| Cash dividends to net income (ytd only)* | 64.1791% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,735 |
| Loan loss allowance to noncurrent loans | 165.6250% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 1,468 |
| Noncurrent loans to loans | 0.8469% | 1,012 |
| Net loans and leases to total assets | 44.5901% | 3,791 |
| Net loans and leases to deposits | 47.5335% | 3,945 |
| Net loans and leases to core deposits | 47.6526% | 4,041 |
| Total domestic deposits to total assets | 93.8079% | 319 |
| Equity capital to assets | 5.8666% | 4,248 |
| Core capital (leverage) ratio | 8.8838% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8655% | 425 |
| Memoranda: | ||
| Average total assets | $290,879,667 | 2,529 |
| Average earning assets | $283,078,000 | 2,472 |
| Average equity | $21,495,333 | 2,944 |
| Average total loans | $126,820,000 | 2,878 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6859% | 3,972 |
| Cost of funding earning assets | 0.0212% | 4,732 |
| Net interest margin | 2.6647% | 3,493 |
| Noninterest income to average assets | 0.6715% | 1,405 |
| Noninterest expense to average assets | 2.3591% | 2,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9059% | 2,253 |
| Return on assets (ROA) | 0.9059% | 2,253 |
| Pretax return on assets | 0.9059% | 2,755 |
| Return on Equity (ROE) | 11.1048% | 1,583 |
| Retained earnings to average equity (ytd only) | 2.9748% | 3,273 |
| Net charge-offs to loans | -0.0258% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2551% | 1,943 |
| Assets per employee ($millions) | 7.8820% | 1,450 |
| Cash dividends to net income (ytd only)* | 73.2116% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,002 |
| Loan loss allowance to noncurrent loans | 152.7875% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 1,525 |
| Noncurrent loans to loans | 0.9008% | 1,028 |
| Net loans and leases to total assets | 43.0970% | 3,812 |
| Net loans and leases to deposits | 46.6819% | 3,945 |
| Net loans and leases to core deposits | 46.8010% | 4,038 |
| Total domestic deposits to total assets | 92.3205% | 468 |
| Equity capital to assets | 7.4731% | 3,950 |
| Core capital (leverage) ratio | 8.8402% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2580% | 416 |
| Memoranda: | ||
| Average total assets | $290,110,000 | 2,547 |
| Average earning assets | $282,360,500 | 2,491 |
| Average equity | $23,665,500 | 2,857 |
| Average total loans | $124,107,500 | 2,907 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9990% | 3,873 |
| Cost of funding earning assets | 0.0424% | 4,715 |
| Net interest margin | 2.9566% | 3,297 |
| Noninterest income to average assets | 0.7451% | 1,611 |
| Noninterest expense to average assets | 2.5645% | 1,974 |
| Loan and lease loss provision to assets | -0.1964% | 4,692 |
| Net operating income to assets | 1.2522% | 1,737 |
| Return on assets (ROA) | 1.2506% | 1,799 |
| Pretax return on assets | 1.2506% | 2,520 |
| Return on Equity (ROE) | 12.7702% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.5362% | 1,709 |
| Net charge-offs to loans | -0.3636% | 4,763 |
| Credit loss provision to net charge-offs | 117.3709% | 1,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8365% | 1,639 |
| Assets per employee ($millions) | 8.2453% | 1,197 |
| Cash dividends to net income (ytd only)* | 40.9862% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,746 |
| Loan loss allowance to noncurrent loans | 150.5172% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 1,624 |
| Noncurrent loans to loans | 0.9605% | 1,044 |
| Net loans and leases to total assets | 41.2458% | 4,016 |
| Net loans and leases to deposits | 45.2990% | 4,129 |
| Net loans and leases to core deposits | 45.4176% | 4,210 |
| Total domestic deposits to total assets | 91.0523% | 475 |
| Equity capital to assets | 8.8490% | 3,761 |
| Core capital (leverage) ratio | 9.2122% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0343% | 349 |
| Memoranda: | ||
| Average total assets | $254,593,600 | 2,694 |
| Average earning assets | $247,578,400 | 2,630 |
| Average equity | $24,933,000 | 2,855 |
| Average total loans | $117,161,400 | 2,974 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 3,862 |
| Cost of funding earning assets | 0.0496% | 4,777 |
| Net interest margin | 3.0261% | 3,246 |
| Noninterest income to average assets | 0.8804% | 1,289 |
| Noninterest expense to average assets | 2.7875% | 1,374 |
| Loan and lease loss provision to assets | -0.2710% | 4,813 |
| Net operating income to assets | 1.3057% | 1,810 |
| Return on assets (ROA) | 1.3035% | 1,873 |
| Pretax return on assets | 1.3035% | 2,616 |
| Return on Equity (ROE) | 12.9446% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.7628% | 2,510 |
| Net charge-offs to loans | -0.5115% | 4,844 |
| Credit loss provision to net charge-offs | 112.1076% | 1,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9270% | 1,318 |
| Assets per employee ($millions) | 7.4704% | 1,588 |
| Cash dividends to net income (ytd only)* | 47.7556% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,588 |
| Loan loss allowance to noncurrent loans | 116.0421% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 1,316 |
| Noncurrent loans to loans | 1.3036% | 824 |
| Net loans and leases to total assets | 43.9491% | 3,955 |
| Net loans and leases to deposits | 48.9097% | 4,069 |
| Net loans and leases to core deposits | 48.9998% | 4,192 |
| Total domestic deposits to total assets | 89.8575% | 831 |
| Equity capital to assets | 9.7379% | 3,163 |
| Core capital (leverage) ratio | 9.6074% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4237% | 358 |
| Memoranda: | ||
| Average total assets | $246,095,250 | 2,777 |
| Average earning assets | $239,246,250 | 2,707 |
| Average equity | $24,782,000 | 2,902 |
| Average total loans | $116,257,750 | 3,025 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9774% | 4,083 |
| Cost of funding earning assets | 0.0563% | 4,799 |
| Net interest margin | 2.9211% | 3,528 |
| Noninterest income to average assets | 0.7561% | 1,655 |
| Noninterest expense to average assets | 2.7165% | 1,546 |
| Loan and lease loss provision to assets | -0.4150% | 4,887 |
| Net operating income to assets | 1.2948% | 1,882 |
| Return on assets (ROA) | 1.2948% | 1,954 |
| Pretax return on assets | 1.2948% | 2,645 |
| Return on Equity (ROE) | 12.7058% | 1,819 |
| Retained earnings to average equity (ytd only) | 5.0335% | 3,170 |
| Net charge-offs to loans | -0.7630% | 4,889 |
| Credit loss provision to net charge-offs | 112.8668% | 1,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5366% | 1,126 |
| Assets per employee ($millions) | 6.8507% | 1,909 |
| Cash dividends to net income (ytd only)* | 60.3846% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,560 |
| Loan loss allowance to noncurrent loans | 113.5309% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 1,364 |
| Noncurrent loans to loans | 1.3295% | 880 |
| Net loans and leases to total assets | 45.3607% | 3,952 |
| Net loans and leases to deposits | 50.5018% | 4,075 |
| Net loans and leases to core deposits | 50.6859% | 4,203 |
| Total domestic deposits to total assets | 89.8199% | 863 |
| Equity capital to assets | 9.8223% | 3,036 |
| Core capital (leverage) ratio | 9.7654% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8979% | 341 |
| Memoranda: | ||
| Average total assets | $240,972,333 | 2,805 |
| Average earning assets | $234,295,000 | 2,728 |
| Average equity | $24,555,667 | 2,907 |
| Average total loans | $116,118,333 | 3,042 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8775% | 4,286 |
| Cost of funding earning assets | 0.0666% | 4,803 |
| Net interest margin | 2.8109% | 3,732 |
| Noninterest income to average assets | 0.7481% | 1,723 |
| Noninterest expense to average assets | 2.8050% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6765% | 3,765 |
| Return on assets (ROA) | 0.6765% | 3,832 |
| Pretax return on assets | 0.6765% | 4,065 |
| Return on Equity (ROE) | 6.5122% | 3,728 |
| Retained earnings to average equity (ytd only) | 1.4927% | 4,125 |
| Net charge-offs to loans | -0.0587% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5678% | 787 |
| Assets per employee ($millions) | 6.6354% | 2,067 |
| Cash dividends to net income (ytd only)* | 77.0781% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,348 |
| Loan loss allowance to noncurrent loans | 116.7090% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 1,440 |
| Noncurrent loans to loans | 1.3532% | 949 |
| Net loans and leases to total assets | 47.9232% | 3,830 |
| Net loans and leases to deposits | 53.4880% | 3,975 |
| Net loans and leases to core deposits | 53.6733% | 4,105 |
| Total domestic deposits to total assets | 89.5962% | 1,020 |
| Equity capital to assets | 10.1459% | 2,556 |
| Core capital (leverage) ratio | 10.2000% | 2,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0459% | 322 |
| Memoranda: | ||
| Average total assets | $234,721,000 | 2,826 |
| Average earning assets | $228,254,500 | 2,761 |
| Average equity | $24,385,000 | 2,903 |
| Average total loans | $115,807,500 | 3,053 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 3,687 |
| Cost of funding earning assets | 0.0892% | 4,886 |
| Net interest margin | 3.5644% | 2,261 |
| Noninterest income to average assets | 0.8062% | 1,515 |
| Noninterest expense to average assets | 3.1815% | 1,088 |
| Loan and lease loss provision to assets | 0.0705% | 3,500 |
| Net operating income to assets | 0.9909% | 2,328 |
| Return on assets (ROA) | 1.0389% | 2,287 |
| Pretax return on assets | 1.0389% | 2,914 |
| Return on Equity (ROE) | 9.4019% | 2,240 |
| Retained earnings to average equity (ytd only) | 4.2543% | 2,682 |
| Net charge-offs to loans | 0.0937% | 1,522 |
| Credit loss provision to net charge-offs | 132.7434% | 2,533 |
| Earnings coverage of net charge-offs (x) | 19.9823% | 1,955 |
| Efficiency ratio | 74.9834% | 1,336 |
| Assets per employee ($millions) | 5.9120% | 2,423 |
| Cash dividends to net income (ytd only)* | 54.7511% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,359 |
| Loan loss allowance to noncurrent loans | 111.8009% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 1,477 |
| Noncurrent loans to loans | 1.4111% | 958 |
| Net loans and leases to total assets | 49.2189% | 3,888 |
| Net loans and leases to deposits | 55.1585% | 4,060 |
| Net loans and leases to core deposits | 55.5062% | 4,177 |
| Total domestic deposits to total assets | 89.2318% | 882 |
| Equity capital to assets | 10.6407% | 2,566 |
| Core capital (leverage) ratio | 10.2212% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9578% | 321 |
| Memoranda: | ||
| Average total assets | $212,727,400 | 2,844 |
| Average earning assets | $205,112,200 | 2,788 |
| Average equity | $23,505,800 | 2,905 |
| Average total loans | $120,554,400 | 2,974 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 3,881 |
| Cost of funding earning assets | 0.0925% | 4,934 |
| Net interest margin | 3.5709% | 2,357 |
| Noninterest income to average assets | 0.8073% | 1,469 |
| Noninterest expense to average assets | 3.2534% | 976 |
| Loan and lease loss provision to assets | 0.0960% | 3,118 |
| Net operating income to assets | 0.8943% | 2,730 |
| Return on assets (ROA) | 0.9596% | 2,622 |
| Pretax return on assets | 0.9596% | 3,201 |
| Return on Equity (ROE) | 8.5967% | 2,567 |
| Retained earnings to average equity (ytd only) | 3.5729% | 3,269 |
| Net charge-offs to loans | 0.1521% | 961 |
| Credit loss provision to net charge-offs | 107.9137% | 2,566 |
| Earnings coverage of net charge-offs (x) | 11.1295% | 2,315 |
| Efficiency ratio | 76.6631% | 1,141 |
| Assets per employee ($millions) | 5.4547% | 2,749 |
| Cash dividends to net income (ytd only)* | 58.4390% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,463 |
| Loan loss allowance to noncurrent loans | 135.7035% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 1,958 |
| Noncurrent loans to loans | 1.0858% | 1,385 |
| Net loans and leases to total assets | 53.6404% | 3,833 |
| Net loans and leases to deposits | 60.4494% | 4,029 |
| Net loans and leases to core deposits | 60.8446% | 4,162 |
| Total domestic deposits to total assets | 88.7361% | 883 |
| Equity capital to assets | 10.7882% | 2,555 |
| Core capital (leverage) ratio | 10.4727% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1019% | 360 |
| Memoranda: | ||
| Average total assets | $208,267,250 | 2,859 |
| Average earning assets | $200,431,000 | 2,803 |
| Average equity | $23,248,750 | 2,921 |
| Average total loans | $121,867,500 | 2,973 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8776% | 3,683 |
| Cost of funding earning assets | 0.0913% | 4,988 |
| Net interest margin | 3.7863% | 1,873 |
| Noninterest income to average assets | 0.8177% | 1,388 |
| Noninterest expense to average assets | 3.3014% | 995 |
| Loan and lease loss provision to assets | 0.1476% | 2,534 |
| Net operating income to assets | 1.0017% | 2,325 |
| Return on assets (ROA) | 1.0667% | 2,207 |
| Pretax return on assets | 1.0667% | 2,814 |
| Return on Equity (ROE) | 9.4442% | 2,182 |
| Retained earnings to average equity (ytd only) | 3.6069% | 3,119 |
| Net charge-offs to loans | 0.2426% | 645 |
| Credit loss provision to net charge-offs | 101.3514% | 2,385 |
| Earnings coverage of net charge-offs (x) | 7.8919% | 2,333 |
| Efficiency ratio | 74.1764% | 1,444 |
| Assets per employee ($millions) | 5.3330% | 2,796 |
| Cash dividends to net income (ytd only)* | 61.8081% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 1,572 |
| Loan loss allowance to noncurrent loans | 172.4638% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 2,425 |
| Noncurrent loans to loans | 0.8133% | 1,868 |
| Net loans and leases to total assets | 57.3829% | 3,565 |
| Net loans and leases to deposits | 64.8360% | 3,818 |
| Net loans and leases to core deposits | 65.1346% | 4,017 |
| Total domestic deposits to total assets | 88.5047% | 943 |
| Equity capital to assets | 10.9602% | 2,379 |
| Core capital (leverage) ratio | 10.8525% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6727% | 417 |
| Memoranda: | ||
| Average total assets | $203,244,667 | 2,877 |
| Average earning assets | $195,016,667 | 2,832 |
| Average equity | $22,956,000 | 2,932 |
| Average total loans | $122,007,000 | 2,953 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 3,063 |
| Cost of funding earning assets | 0.0877% | 5,055 |
| Net interest margin | 4.1641% | 991 |
| Noninterest income to average assets | 0.9144% | 1,043 |
| Noninterest expense to average assets | 3.4735% | 971 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4217% | 939 |
| Return on assets (ROA) | 1.5567% | 757 |
| Pretax return on assets | 1.5567% | 1,161 |
| Return on Equity (ROE) | 13.5581% | 783 |
| Retained earnings to average equity (ytd only) | 9.1397% | 932 |
| Net charge-offs to loans | 0.5193% | 279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.4839% | 2,136 |
| Efficiency ratio | 70.9570% | 2,225 |
| Assets per employee ($millions) | 4.7308% | 2,951 |
| Cash dividends to net income (ytd only)* | 32.5887% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 1,945 |
| Loan loss allowance to noncurrent loans | 153.8752% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 2,356 |
| Noncurrent loans to loans | 0.8718% | 1,866 |
| Net loans and leases to total assets | 61.7259% | 3,332 |
| Net loans and leases to deposits | 69.9837% | 3,593 |
| Net loans and leases to core deposits | 70.3484% | 3,860 |
| Total domestic deposits to total assets | 88.2004% | 1,018 |
| Equity capital to assets | 11.5253% | 2,421 |
| Core capital (leverage) ratio | 11.7654% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,540,000 | 2,905 |
| Average earning assets | $186,933,000 | 2,856 |
| Average equity | $22,451,500 | 2,965 |
| Average total loans | $119,383,000 | 2,964 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 3,733 |
| Cost of funding earning assets | 0.1900% | 4,982 |
| Net interest margin | 4.0392% | 1,712 |
| Noninterest income to average assets | 0.9429% | 1,086 |
| Noninterest expense to average assets | 3.2564% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5707% | 893 |
| Return on assets (ROA) | 1.5707% | 954 |
| Pretax return on assets | 1.5707% | 1,584 |
| Return on Equity (ROE) | 14.2787% | 846 |
| Retained earnings to average equity (ytd only) | 1.6338% | 4,150 |
| Net charge-offs to loans | 0.0025% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,051.6667% | 93 |
| Efficiency ratio | 67.4608% | 2,535 |
| Assets per employee ($millions) | 4.8077% | 2,830 |
| Cash dividends to net income (ytd only)* | 88.5578% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,169 |
| Loan loss allowance to noncurrent loans | 205.8891% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 2,642 |
| Noncurrent loans to loans | 0.7376% | 2,037 |
| Net loans and leases to total assets | 58.6604% | 3,704 |
| Net loans and leases to deposits | 66.3360% | 3,937 |
| Net loans and leases to core deposits | 66.3360% | 4,173 |
| Total domestic deposits to total assets | 88.4291% | 928 |
| Equity capital to assets | 11.4389% | 2,583 |
| Core capital (leverage) ratio | 11.2081% | 2,327 |
| Tier 1 risk-based capital ratio | 23.9180% | 834 |
| Total risk-based capital ratio | 25.1760% | 817 |
| Memoranda: | ||
| Average total assets | $200,863,000 | 2,834 |
| Average earning assets | $193,158,400 | 2,769 |
| Average equity | $22,095,800 | 2,951 |
| Average total loans | $118,123,600 | 2,966 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,834 |
| Cost of funding earning assets | 0.2267% | 4,980 |
| Net interest margin | 4.0117% | 1,896 |
| Noninterest income to average assets | 0.9402% | 1,061 |
| Noninterest expense to average assets | 3.2308% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5672% | 1,003 |
| Return on assets (ROA) | 1.5672% | 1,061 |
| Pretax return on assets | 1.5672% | 1,753 |
| Return on Equity (ROE) | 14.3867% | 910 |
| Retained earnings to average equity (ytd only) | 7.1630% | 1,782 |
| Net charge-offs to loans | 0.0068% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 395.3238% | 251 |
| Efficiency ratio | 67.3368% | 2,519 |
| Assets per employee ($millions) | 4.8757% | 2,697 |
| Cash dividends to net income (ytd only)* | 50.2107% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,179 |
| Loan loss allowance to noncurrent loans | 219.0652% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 2,881 |
| Noncurrent loans to loans | 0.6965% | 2,212 |
| Net loans and leases to total assets | 57.4966% | 3,921 |
| Net loans and leases to deposits | 65.4597% | 4,099 |
| Net loans and leases to core deposits | 65.5904% | 4,300 |
| Total domestic deposits to total assets | 87.8352% | 1,114 |
| Equity capital to assets | 11.6696% | 2,540 |
| Core capital (leverage) ratio | 11.8536% | 1,956 |
| Tier 1 risk-based capital ratio | 25.0885% | 765 |
| Total risk-based capital ratio | 26.3460% | 751 |
| Memoranda: | ||
| Average total assets | $201,799,750 | 2,845 |
| Average earning assets | $194,061,000 | 2,779 |
| Average equity | $21,982,750 | 2,986 |
| Average total loans | $118,301,500 | 2,989 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 3,820 |
| Cost of funding earning assets | 0.2845% | 4,867 |
| Net interest margin | 3.9556% | 2,076 |
| Noninterest income to average assets | 0.9119% | 1,056 |
| Noninterest expense to average assets | 3.2278% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4889% | 1,174 |
| Return on assets (ROA) | 1.4889% | 1,222 |
| Pretax return on assets | 1.4889% | 1,891 |
| Return on Equity (ROE) | 13.9963% | 982 |
| Retained earnings to average equity (ytd only) | 5.9068% | 2,326 |
| Net charge-offs to loans | 0.0168% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 150.7000% | 496 |
| Efficiency ratio | 68.4332% | 2,459 |
| Assets per employee ($millions) | 4.6433% | 2,947 |
| Cash dividends to net income (ytd only)* | 57.7969% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 1,298 |
| Loan loss allowance to noncurrent loans | 212.6946% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 2,802 |
| Noncurrent loans to loans | 0.7021% | 2,221 |
| Net loans and leases to total assets | 60.0717% | 3,725 |
| Net loans and leases to deposits | 68.2044% | 3,955 |
| Net loans and leases to core deposits | 70.4327% | 4,095 |
| Total domestic deposits to total assets | 88.0759% | 1,066 |
| Equity capital to assets | 11.5503% | 2,571 |
| Core capital (leverage) ratio | 11.4668% | 2,196 |
| Tier 1 risk-based capital ratio | 24.1642% | 830 |
| Total risk-based capital ratio | 25.4218% | 813 |
| Memoranda: | ||
| Average total assets | $202,431,670 | 2,854 |
| Average earning assets | $194,711,000 | 2,783 |
| Average equity | $21,534,330 | 3,014 |
| Average total loans | $118,829,000 | 3,000 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,920 |
| Cost of funding earning assets | 0.3265% | 4,747 |
| Net interest margin | 3.8557% | 2,325 |
| Noninterest income to average assets | 0.8693% | 1,120 |
| Noninterest expense to average assets | 3.1649% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4165% | 1,332 |
| Return on assets (ROA) | 1.4165% | 1,361 |
| Pretax return on assets | 1.4165% | 2,027 |
| Return on Equity (ROE) | 13.8790% | 996 |
| Retained earnings to average equity (ytd only) | 8.4795% | 1,497 |
| Net charge-offs to loans | 0.0202% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 121.6667% | 580 |
| Efficiency ratio | 69.0809% | 2,489 |
| Assets per employee ($millions) | 4.9358% | 2,607 |
| Cash dividends to net income (ytd only)* | 38.9041% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,387 |
| Loan loss allowance to noncurrent loans | 284.3450% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 3,369 |
| Noncurrent loans to loans | 0.5214% | 2,751 |
| Net loans and leases to total assets | 58.4465% | 3,836 |
| Net loans and leases to deposits | 65.5685% | 4,087 |
| Net loans and leases to core deposits | 70.7039% | 4,035 |
| Total domestic deposits to total assets | 89.1381% | 799 |
| Equity capital to assets | 10.6376% | 3,214 |
| Core capital (leverage) ratio | 11.0886% | 2,491 |
| Tier 1 risk-based capital ratio | 23.8712% | 853 |
| Total risk-based capital ratio | 25.1283% | 832 |
| Memoranda: | ||
| Average total assets | $206,139,000 | 2,844 |
| Average earning assets | $198,458,000 | 2,783 |
| Average equity | $21,039,000 | 3,067 |
| Average total loans | $118,780,500 | 3,032 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,888 |
| Cost of funding earning assets | 0.3405% | 4,343 |
| Net interest margin | 3.7106% | 2,993 |
| Noninterest income to average assets | 1.0504% | 856 |
| Noninterest expense to average assets | 3.4093% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2154% | 2,104 |
| Return on assets (ROA) | 1.2154% | 2,102 |
| Pretax return on assets | 1.2154% | 2,829 |
| Return on Equity (ROE) | 11.8524% | 1,769 |
| Retained earnings to average equity (ytd only) | 1.3505% | 4,593 |
| Net charge-offs to loans | -0.0186% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7189% | 1,663 |
| Assets per employee ($millions) | 5.1198% | 2,361 |
| Cash dividends to net income (ytd only)* | 88.6055% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 1,226 |
| Loan loss allowance to noncurrent loans | 467.8010% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,901 |
| Noncurrent loans to loans | 0.3251% | 3,388 |
| Net loans and leases to total assets | 55.1270% | 4,197 |
| Net loans and leases to deposits | 61.1635% | 4,421 |
| Net loans and leases to core deposits | 66.3530% | 4,335 |
| Total domestic deposits to total assets | 90.1305% | 433 |
| Equity capital to assets | 9.7904% | 3,869 |
| Core capital (leverage) ratio | 10.7772% | 2,755 |
| Tier 1 risk-based capital ratio | 24.0026% | 830 |
| Total risk-based capital ratio | 25.2606% | 809 |
| Memoranda: | ||
| Average total assets | $200,011,200 | 2,870 |
| Average earning assets | $192,665,200 | 2,792 |
| Average equity | $20,510,600 | 3,045 |
| Average total loans | $118,560,200 | 3,011 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 3,767 |
| Cost of funding earning assets | 0.3387% | 4,254 |
| Net interest margin | 3.7180% | 2,950 |
| Noninterest income to average assets | 1.0894% | 794 |
| Noninterest expense to average assets | 3.4545% | 1,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2136% | 2,184 |
| Return on assets (ROA) | 1.2136% | 2,185 |
| Pretax return on assets | 1.2136% | 2,936 |
| Return on Equity (ROE) | 11.6937% | 1,910 |
| Retained earnings to average equity (ytd only) | 6.2501% | 2,519 |
| Net charge-offs to loans | -0.0123% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0023% | 1,593 |
| Assets per employee ($millions) | 4.8195% | 2,699 |
| Cash dividends to net income (ytd only)* | 46.5517% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,329 |
| Loan loss allowance to noncurrent loans | 647.8102% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,274 |
| Noncurrent loans to loans | 0.2323% | 3,874 |
| Net loans and leases to total assets | 57.4017% | 4,098 |
| Net loans and leases to deposits | 64.3057% | 4,312 |
| Net loans and leases to core deposits | 69.9783% | 4,191 |
| Total domestic deposits to total assets | 89.2639% | 747 |
| Equity capital to assets | 10.2713% | 3,372 |
| Core capital (leverage) ratio | 11.3825% | 2,264 |
| Tier 1 risk-based capital ratio | 24.6858% | 782 |
| Total risk-based capital ratio | 25.9438% | 757 |
| Memoranda: | ||
| Average total assets | $197,536,500 | 2,918 |
| Average earning assets | $190,134,000 | 2,841 |
| Average equity | $20,500,500 | 3,068 |
| Average total loans | $118,824,250 | 3,034 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,888 |
| Cost of funding earning assets | 0.3365% | 4,156 |
| Net interest margin | 3.6282% | 3,207 |
| Noninterest income to average assets | 0.9688% | 1,014 |
| Noninterest expense to average assets | 3.4485% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0097% | 2,973 |
| Return on assets (ROA) | 1.0097% | 2,975 |
| Pretax return on assets | 1.0097% | 3,632 |
| Return on Equity (ROE) | 9.6943% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.8719% | 3,668 |
| Net charge-offs to loans | -0.0386% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3529% | 1,266 |
| Assets per employee ($millions) | 4.6992% | 2,818 |
| Cash dividends to net income (ytd only)* | 60.0607% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,261 |
| Loan loss allowance to noncurrent loans | 266.7164% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 3,391 |
| Noncurrent loans to loans | 0.5786% | 2,688 |
| Net loans and leases to total assets | 57.7691% | 4,014 |
| Net loans and leases to deposits | 64.7116% | 4,234 |
| Net loans and leases to core deposits | 70.8381% | 4,095 |
| Total domestic deposits to total assets | 89.2717% | 827 |
| Equity capital to assets | 10.3671% | 3,259 |
| Core capital (leverage) ratio | 11.3632% | 2,191 |
| Tier 1 risk-based capital ratio | 23.5221% | 882 |
| Total risk-based capital ratio | 24.7793% | 852 |
| Memoranda: | ||
| Average total assets | $195,909,000 | 2,944 |
| Average earning assets | $188,411,000 | 2,873 |
| Average equity | $20,403,670 | 3,090 |
| Average total loans | $119,110,000 | 3,049 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 3,815 |
| Cost of funding earning assets | 0.3326% | 4,117 |
| Net interest margin | 3.6073% | 3,151 |
| Noninterest income to average assets | 0.9509% | 1,019 |
| Noninterest expense to average assets | 3.4962% | 1,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9222% | 3,192 |
| Return on assets (ROA) | 0.9222% | 3,208 |
| Pretax return on assets | 0.9222% | 3,777 |
| Return on Equity (ROE) | 8.8344% | 2,990 |
| Retained earnings to average equity (ytd only) | 4.3387% | 3,450 |
| Net charge-offs to loans | -0.0696% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1280% | 1,242 |
| Assets per employee ($millions) | 4.6272% | 2,970 |
| Cash dividends to net income (ytd only)* | 50.8889% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,498 |
| Loan loss allowance to noncurrent loans | 218.7500% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 3,033 |
| Noncurrent loans to loans | 0.6809% | 2,511 |
| Net loans and leases to total assets | 60.7479% | 3,674 |
| Net loans and leases to deposits | 67.9928% | 3,947 |
| Net loans and leases to core deposits | 74.5207% | 3,779 |
| Total domestic deposits to total assets | 89.3445% | 945 |
| Equity capital to assets | 10.4265% | 3,147 |
| Core capital (leverage) ratio | 11.4952% | 2,020 |
| Tier 1 risk-based capital ratio | 23.6081% | 882 |
| Total risk-based capital ratio | 24.8659% | 861 |
| Memoranda: | ||
| Average total assets | $195,181,000 | 2,979 |
| Average earning assets | $187,621,500 | 2,912 |
| Average equity | $20,375,000 | 3,123 |
| Average total loans | $120,763,500 | 3,056 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 3,356 |
| Cost of funding earning assets | 0.3459% | 3,750 |
| Net interest margin | 3.6675% | 2,925 |
| Noninterest income to average assets | 0.9308% | 1,185 |
| Noninterest expense to average assets | 3.3797% | 1,236 |
| Loan and lease loss provision to assets | 0.0759% | 2,677 |
| Net operating income to assets | 1.0012% | 2,238 |
| Return on assets (ROA) | 1.0063% | 2,253 |
| Pretax return on assets | 1.0063% | 3,540 |
| Return on Equity (ROE) | 9.6933% | 2,016 |
| Retained earnings to average equity (ytd only) | 1.6042% | 4,347 |
| Net charge-offs to loans | -0.0107% | 4,799 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8319% | 1,643 |
| Assets per employee ($millions) | 4.7810% | 2,758 |
| Cash dividends to net income (ytd only)* | 83.4507% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,584 |
| Loan loss allowance to noncurrent loans | 165.0140% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,504 |
| Noncurrent loans to loans | 0.8785% | 2,026 |
| Net loans and leases to total assets | 61.1771% | 3,711 |
| Net loans and leases to deposits | 68.4280% | 3,995 |
| Net loans and leases to core deposits | 74.8023% | 3,824 |
| Total domestic deposits to total assets | 89.4037% | 817 |
| Equity capital to assets | 10.4514% | 3,211 |
| Core capital (leverage) ratio | 11.0349% | 2,307 |
| Tier 1 risk-based capital ratio | 22.8891% | 920 |
| Total risk-based capital ratio | 24.1464% | 908 |
| Memoranda: | ||
| Average total assets | $197,562,000 | 2,941 |
| Average earning assets | $189,940,200 | 2,865 |
| Average equity | $20,509,000 | 3,080 |
| Average total loans | $121,897,600 | 3,032 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 3,228 |
| Cost of funding earning assets | 0.3454% | 3,718 |
| Net interest margin | 3.6899% | 2,788 |
| Noninterest income to average assets | 0.9275% | 1,197 |
| Noninterest expense to average assets | 3.3799% | 1,190 |
| Loan and lease loss provision to assets | 0.1010% | 2,096 |
| Net operating income to assets | 0.9935% | 2,581 |
| Return on assets (ROA) | 1.0002% | 2,605 |
| Pretax return on assets | 1.0002% | 3,694 |
| Return on Equity (ROE) | 9.6515% | 2,279 |
| Retained earnings to average equity (ytd only) | 3.9971% | 3,547 |
| Net charge-offs to loans | -0.0142% | 4,746 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5382% | 1,657 |
| Assets per employee ($millions) | 4.4729% | 3,192 |
| Cash dividends to net income (ytd only)* | 58.5858% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 1,837 |
| Loan loss allowance to noncurrent loans | 157.0793% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 2,603 |
| Noncurrent loans to loans | 0.8985% | 2,135 |
| Net loans and leases to total assets | 62.6123% | 3,593 |
| Net loans and leases to deposits | 70.5511% | 3,916 |
| Net loans and leases to core deposits | 77.7284% | 3,662 |
| Total domestic deposits to total assets | 88.7474% | 994 |
| Equity capital to assets | 10.7470% | 3,120 |
| Core capital (leverage) ratio | 11.2044% | 2,272 |
| Tier 1 risk-based capital ratio | 22.6075% | 984 |
| Total risk-based capital ratio | 23.8641% | 968 |
| Memoranda: | ||
| Average total assets | $197,947,250 | 2,969 |
| Average earning assets | $190,281,000 | 2,889 |
| Average equity | $20,514,500 | 3,101 |
| Average total loans | $121,951,000 | 3,052 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,044 |
| Cost of funding earning assets | 0.3482% | 3,602 |
| Net interest margin | 3.6908% | 2,683 |
| Noninterest income to average assets | 0.9469% | 1,138 |
| Noninterest expense to average assets | 3.3773% | 1,211 |
| Loan and lease loss provision to assets | 0.1513% | 1,335 |
| Net operating income to assets | 0.9671% | 2,577 |
| Return on assets (ROA) | 0.9741% | 2,597 |
| Pretax return on assets | 0.9741% | 3,666 |
| Return on Equity (ROE) | 9.5161% | 2,261 |
| Retained earnings to average equity (ytd only) | 3.1129% | 3,860 |
| Net charge-offs to loans | -0.0099% | 4,531 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1234% | 1,837 |
| Assets per employee ($millions) | 4.4813% | 3,142 |
| Cash dividends to net income (ytd only)* | 67.2878% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,844 |
| Loan loss allowance to noncurrent loans | 149.1511% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 2,560 |
| Noncurrent loans to loans | 0.9552% | 2,051 |
| Net loans and leases to total assets | 61.6541% | 3,672 |
| Net loans and leases to deposits | 69.2749% | 3,961 |
| Net loans and leases to core deposits | 76.0050% | 3,773 |
| Total domestic deposits to total assets | 88.9992% | 956 |
| Equity capital to assets | 10.6291% | 3,197 |
| Core capital (leverage) ratio | 10.8824% | 2,525 |
| Tier 1 risk-based capital ratio | 22.1079% | 1,038 |
| Total risk-based capital ratio | 23.3649% | 1,017 |
| Memoranda: | ||
| Average total assets | $198,327,000 | 2,981 |
| Average earning assets | $190,689,000 | 2,904 |
| Average equity | $20,302,330 | 3,125 |
| Average total loans | $120,938,000 | 3,076 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 2,521 |
| Cost of funding earning assets | 0.3492% | 3,540 |
| Net interest margin | 3.7894% | 2,155 |
| Noninterest income to average assets | 0.9713% | 1,060 |
| Noninterest expense to average assets | 3.3222% | 1,342 |
| Loan and lease loss provision to assets | 0.3017% | 445 |
| Net operating income to assets | 0.9914% | 2,344 |
| Return on assets (ROA) | 0.9914% | 2,396 |
| Pretax return on assets | 0.9914% | 3,406 |
| Return on Equity (ROE) | 9.8726% | 2,016 |
| Retained earnings to average equity (ytd only) | 6.8087% | 1,928 |
| Net charge-offs to loans | -0.0134% | 4,538 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9826% | 2,580 |
| Assets per employee ($millions) | 4.5804% | 3,035 |
| Cash dividends to net income (ytd only)* | 31.0345% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,892 |
| Loan loss allowance to noncurrent loans | 140.5124% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 2,577 |
| Noncurrent loans to loans | 1.0267% | 2,004 |
| Net loans and leases to total assets | 59.4896% | 3,837 |
| Net loans and leases to deposits | 66.3507% | 4,143 |
| Net loans and leases to core deposits | 73.6145% | 3,871 |
| Total domestic deposits to total assets | 89.6594% | 818 |
| Equity capital to assets | 10.0850% | 3,652 |
| Core capital (leverage) ratio | 10.8919% | 2,490 |
| Tier 1 risk-based capital ratio | 21.5658% | 1,144 |
| Total risk-based capital ratio | 22.8215% | 1,121 |
| Memoranda: | ||
| Average total assets | $198,902,500 | 3,006 |
| Average earning assets | $191,270,000 | 2,915 |
| Average equity | $19,974,500 | 3,177 |
| Average total loans | $119,745,000 | 3,111 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 3,873 |
| Cost of funding earning assets | 0.3411% | 3,619 |
| Net interest margin | 3.4683% | 3,552 |
| Noninterest income to average assets | 0.8696% | 1,512 |
| Noninterest expense to average assets | 3.3488% | 1,470 |
| Loan and lease loss provision to assets | 0.0764% | 2,829 |
| Net operating income to assets | 0.7646% | 3,472 |
| Return on assets (ROA) | 0.8466% | 3,196 |
| Pretax return on assets | 0.8466% | 4,024 |
| Return on Equity (ROE) | 7.9888% | 2,940 |
| Retained earnings to average equity (ytd only) | 0.7499% | 5,027 |
| Net charge-offs to loans | 0.0485% | 3,071 |
| Credit loss provision to net charge-offs | 267.8571% | 1,072 |
| Earnings coverage of net charge-offs (x) | 29.4821% | 1,446 |
| Efficiency ratio | 79.9271% | 1,429 |
| Assets per employee ($millions) | 4.4607% | 3,171 |
| Cash dividends to net income (ytd only)* | 90.6137% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 2,267 |
| Loan loss allowance to noncurrent loans | 61.4823% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 1,229 |
| Noncurrent loans to loans | 2.2097% | 770 |
| Net loans and leases to total assets | 59.2253% | 3,935 |
| Net loans and leases to deposits | 66.1065% | 4,237 |
| Net loans and leases to core deposits | 71.9776% | 4,083 |
| Total domestic deposits to total assets | 89.5908% | 826 |
| Equity capital to assets | 9.9985% | 3,727 |
| Core capital (leverage) ratio | 10.8249% | 2,510 |
| Tier 1 risk-based capital ratio | 21.7175% | 1,118 |
| Total risk-based capital ratio | 22.9726% | 1,091 |
| Memoranda: | ||
| Average total assets | $196,307,000 | 2,996 |
| Average earning assets | $187,931,400 | 2,916 |
| Average equity | $20,804,000 | 3,085 |
| Average total loans | $115,572,200 | 3,135 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 3,946 |
| Cost of funding earning assets | 0.3444% | 3,604 |
| Net interest margin | 3.4462% | 3,686 |
| Noninterest income to average assets | 0.8612% | 1,545 |
| Noninterest expense to average assets | 3.3523% | 1,447 |
| Loan and lease loss provision to assets | 0.0917% | 2,393 |
| Net operating income to assets | 0.7131% | 3,777 |
| Return on assets (ROA) | 0.8225% | 3,404 |
| Pretax return on assets | 0.8225% | 4,239 |
| Return on Equity (ROE) | 7.6526% | 3,216 |
| Retained earnings to average equity (ytd only) | 1.2891% | 4,997 |
| Net charge-offs to loans | -0.1078% | 5,598 |
| Credit loss provision to net charge-offs | -145.1613% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6404% | 1,351 |
| Assets per employee ($millions) | 4.5012% | 3,085 |
| Cash dividends to net income (ytd only)* | 83.1540% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,884 |
| Loan loss allowance to noncurrent loans | 81.0369% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.1477% | 1,753 |
| Noncurrent loans to loans | 1.8147% | 1,134 |
| Net loans and leases to total assets | 58.6935% | 4,025 |
| Net loans and leases to deposits | 66.1351% | 4,329 |
| Net loans and leases to core deposits | 72.0114% | 4,161 |
| Total domestic deposits to total assets | 88.7478% | 1,028 |
| Equity capital to assets | 10.7624% | 3,296 |
| Core capital (leverage) ratio | 10.9925% | 2,454 |
| Tier 1 risk-based capital ratio | 22.3796% | 1,081 |
| Total risk-based capital ratio | 23.6366% | 1,062 |
| Memoranda: | ||
| Average total assets | $196,316,500 | 3,005 |
| Average earning assets | $187,757,000 | 2,933 |
| Average equity | $21,099,000 | 3,078 |
| Average total loans | $115,004,750 | 3,152 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 3,955 |
| Cost of funding earning assets | 0.3442% | 3,627 |
| Net interest margin | 3.4563% | 3,658 |
| Noninterest income to average assets | 0.8542% | 1,529 |
| Noninterest expense to average assets | 3.3688% | 1,436 |
| Loan and lease loss provision to assets | 0.0920% | 2,313 |
| Net operating income to assets | 0.6968% | 3,806 |
| Return on assets (ROA) | 0.8583% | 3,180 |
| Pretax return on assets | 0.8583% | 4,088 |
| Return on Equity (ROE) | 7.9897% | 2,976 |
| Retained earnings to average equity (ytd only) | 0.9702% | 5,001 |
| Net charge-offs to loans | -0.1596% | 5,762 |
| Credit loss provision to net charge-offs | -98.9011% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0273% | 1,382 |
| Assets per employee ($millions) | 4.3410% | 3,310 |
| Cash dividends to net income (ytd only)* | 87.8571% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,997 |
| Loan loss allowance to noncurrent loans | 100.8966% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 2,176 |
| Noncurrent loans to loans | 1.4535% | 1,523 |
| Net loans and leases to total assets | 59.3756% | 3,967 |
| Net loans and leases to deposits | 67.1317% | 4,256 |
| Net loans and leases to core deposits | 73.3601% | 4,048 |
| Total domestic deposits to total assets | 88.4464% | 1,199 |
| Equity capital to assets | 11.1232% | 2,921 |
| Core capital (leverage) ratio | 10.9857% | 2,442 |
| Tier 1 risk-based capital ratio | 22.8393% | 1,031 |
| Total risk-based capital ratio | 24.0961% | 1,013 |
| Memoranda: | ||
| Average total assets | $195,738,330 | 3,033 |
| Average earning assets | $187,076,330 | 2,962 |
| Average equity | $21,027,000 | 3,094 |
| Average total loans | $114,013,670 | 3,175 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 4,092 |
| Cost of funding earning assets | 0.3400% | 3,716 |
| Net interest margin | 3.4215% | 3,796 |
| Noninterest income to average assets | 0.8420% | 1,465 |
| Noninterest expense to average assets | 3.3780% | 1,428 |
| Loan and lease loss provision to assets | 0.0909% | 2,169 |
| Net operating income to assets | 0.6441% | 4,007 |
| Return on assets (ROA) | 0.7733% | 3,485 |
| Pretax return on assets | 0.7733% | 4,287 |
| Return on Equity (ROE) | 7.3240% | 3,274 |
| Retained earnings to average equity (ytd only) | 1.7402% | 4,572 |
| Net charge-offs to loans | -0.0071% | 4,397 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1306% | 1,360 |
| Assets per employee ($millions) | 4.3932% | 3,260 |
| Cash dividends to net income (ytd only)* | 76.2402% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 2,583 |
| Loan loss allowance to noncurrent loans | 88.1452% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.0186% | 2,169 |
| Noncurrent loans to loans | 1.5489% | 1,508 |
| Net loans and leases to total assets | 58.0789% | 4,038 |
| Net loans and leases to deposits | 65.4179% | 4,308 |
| Net loans and leases to core deposits | 71.3840% | 4,116 |
| Total domestic deposits to total assets | 88.7812% | 1,214 |
| Equity capital to assets | 10.9048% | 3,038 |
| Core capital (leverage) ratio | 10.9791% | 2,426 |
| Tier 1 risk-based capital ratio | 22.1646% | 1,140 |
| Total risk-based capital ratio | 23.4193% | 1,120 |
| Memoranda: | ||
| Average total assets | $198,104,500 | 3,008 |
| Average earning assets | $189,392,000 | 2,938 |
| Average equity | $20,917,500 | 3,107 |
| Average total loans | $113,471,000 | 3,192 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,109 |
| Cost of funding earning assets | 0.3971% | 3,193 |
| Net interest margin | 3.3807% | 3,982 |
| Noninterest income to average assets | 0.8633% | 1,556 |
| Noninterest expense to average assets | 3.3225% | 1,672 |
| Loan and lease loss provision to assets | 0.1732% | 1,317 |
| Net operating income to assets | 0.5651% | 4,442 |
| Return on assets (ROA) | 0.7603% | 3,619 |
| Pretax return on assets | 0.7603% | 4,337 |
| Return on Equity (ROE) | 7.1043% | 3,458 |
| Retained earnings to average equity (ytd only) | 0.2441% | 5,414 |
| Net charge-offs to loans | 0.0712% | 2,820 |
| Credit loss provision to net charge-offs | 456.7568% | 675 |
| Earnings coverage of net charge-offs (x) | 19.4730% | 1,945 |
| Efficiency ratio | 81.8193% | 1,432 |
| Assets per employee ($millions) | 4.5091% | 3,034 |
| Cash dividends to net income (ytd only)* | 96.5633% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 2,745 |
| Loan loss allowance to noncurrent loans | 87.9230% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 2,304 |
| Noncurrent loans to loans | 1.5152% | 1,536 |
| Net loans and leases to total assets | 55.0072% | 4,390 |
| Net loans and leases to deposits | 61.4101% | 4,675 |
| Net loans and leases to core deposits | 66.6714% | 4,532 |
| Total domestic deposits to total assets | 89.5736% | 812 |
| Equity capital to assets | 10.2293% | 3,708 |
| Core capital (leverage) ratio | 10.8062% | 2,599 |
| Tier 1 risk-based capital ratio | 21.6462% | 1,195 |
| Total risk-based capital ratio | 22.8993% | 1,176 |
| Memoranda: | ||
| Average total assets | $195,185,600 | 2,993 |
| Average earning assets | $184,607,000 | 2,950 |
| Average equity | $20,888,800 | 3,086 |
| Average total loans | $103,897,200 | 3,319 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7766% | 4,168 |
| Cost of funding earning assets | 0.4069% | 3,153 |
| Net interest margin | 3.3696% | 4,081 |
| Noninterest income to average assets | 0.8555% | 1,599 |
| Noninterest expense to average assets | 3.2992% | 1,694 |
| Loan and lease loss provision to assets | 0.1676% | 1,258 |
| Net operating income to assets | 0.5878% | 4,443 |
| Return on assets (ROA) | 0.7996% | 3,525 |
| Pretax return on assets | 0.7996% | 4,341 |
| Return on Equity (ROE) | 7.3860% | 3,412 |
| Retained earnings to average equity (ytd only) | 2.9697% | 4,340 |
| Net charge-offs to loans | 0.0735% | 2,506 |
| Credit loss provision to net charge-offs | 433.9286% | 713 |
| Earnings coverage of net charge-offs (x) | 19.5548% | 1,929 |
| Efficiency ratio | 81.3680% | 1,480 |
| Assets per employee ($millions) | 4.2447% | 3,436 |
| Cash dividends to net income (ytd only)* | 59.7933% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 3,139 |
| Loan loss allowance to noncurrent loans | 423.0769% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 4,641 |
| Noncurrent loans to loans | 0.3055% | 4,507 |
| Net loans and leases to total assets | 55.9353% | 4,363 |
| Net loans and leases to deposits | 63.1288% | 4,633 |
| Net loans and leases to core deposits | 68.8356% | 4,469 |
| Total domestic deposits to total assets | 88.6051% | 1,234 |
| Equity capital to assets | 10.7952% | 3,245 |
| Core capital (leverage) ratio | 11.2153% | 2,278 |
| Tier 1 risk-based capital ratio | 22.2069% | 1,165 |
| Total risk-based capital ratio | 23.4595% | 1,143 |
| Memoranda: | ||
| Average total assets | $193,255,000 | 3,039 |
| Average earning assets | $183,478,000 | 2,990 |
| Average equity | $20,922,000 | 3,104 |
| Average total loans | $101,591,250 | 3,394 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,319 |
| Cost of funding earning assets | 0.4073% | 3,195 |
| Net interest margin | 3.3216% | 4,206 |
| Noninterest income to average assets | 0.8370% | 1,646 |
| Noninterest expense to average assets | 3.3636% | 1,539 |
| Loan and lease loss provision to assets | 0.2056% | 951 |
| Net operating income to assets | 0.4268% | 5,052 |
| Return on assets (ROA) | 0.6812% | 4,093 |
| Pretax return on assets | 0.6812% | 4,718 |
| Return on Equity (ROE) | 6.2865% | 3,997 |
| Retained earnings to average equity (ytd only) | 2.1658% | 4,625 |
| Net charge-offs to loans | 0.1075% | 1,919 |
| Credit loss provision to net charge-offs | 373.5849% | 788 |
| Earnings coverage of net charge-offs (x) | 11.4906% | 2,290 |
| Efficiency ratio | 84.1736% | 1,244 |
| Assets per employee ($millions) | 4.2103% | 3,449 |
| Cash dividends to net income (ytd only)* | 65.5488% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,998 |
| Loan loss allowance to noncurrent loans | 254.2125% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 4,332 |
| Noncurrent loans to loans | 0.5304% | 3,867 |
| Net loans and leases to total assets | 52.4309% | 4,716 |
| Net loans and leases to deposits | 61.1270% | 4,763 |
| Net loans and leases to core deposits | 66.9021% | 4,578 |
| Total domestic deposits to total assets | 85.7737% | 2,807 |
| Equity capital to assets | 10.6905% | 3,224 |
| Core capital (leverage) ratio | 11.0679% | 2,360 |
| Tier 1 risk-based capital ratio | 22.8873% | 1,099 |
| Total risk-based capital ratio | 24.1402% | 1,072 |
| Memoranda: | ||
| Average total assets | $192,588,670 | 3,070 |
| Average earning assets | $183,162,000 | 3,014 |
| Average equity | $20,870,000 | 3,124 |
| Average total loans | $98,573,000 | 3,464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,242 |
| Cost of funding earning assets | 0.4103% | 3,187 |
| Net interest margin | 3.3267% | 4,103 |
| Noninterest income to average assets | 0.7873% | 1,755 |
| Noninterest expense to average assets | 3.4867% | 1,343 |
| Loan and lease loss provision to assets | 0.2062% | 876 |
| Net operating income to assets | 0.2520% | 5,560 |
| Return on assets (ROA) | 0.3895% | 5,223 |
| Pretax return on assets | 0.3895% | 5,449 |
| Return on Equity (ROE) | 3.5700% | 5,154 |
| Retained earnings to average equity (ytd only) | 0.1145% | 5,340 |
| Net charge-offs to loans | 0.0041% | 3,181 |
| Credit loss provision to net charge-offs | 9,900.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 220.0000% | 262 |
| Efficiency ratio | 88.3844% | 989 |
| Assets per employee ($millions) | 4.2496% | 3,464 |
| Cash dividends to net income (ytd only)* | 96.7914% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 3,033 |
| Loan loss allowance to noncurrent loans | 158.8863% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 3,957 |
| Noncurrent loans to loans | 0.8668% | 3,077 |
| Net loans and leases to total assets | 50.2139% | 4,823 |
| Net loans and leases to deposits | 56.6818% | 5,007 |
| Net loans and leases to core deposits | 62.0262% | 4,838 |
| Total domestic deposits to total assets | 88.5891% | 1,504 |
| Equity capital to assets | 11.0856% | 2,880 |
| Core capital (leverage) ratio | 11.0270% | 2,388 |
| Tier 1 risk-based capital ratio | 24.3989% | 950 |
| Total risk-based capital ratio | 25.6526% | 929 |
| Memoranda: | ||
| Average total assets | $192,045,000 | 3,094 |
| Average earning assets | $182,285,000 | 3,042 |
| Average equity | $20,952,500 | 3,140 |
| Average total loans | $96,392,500 | 3,514 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 4,967 |
| Cost of funding earning assets | 0.4224% | 3,454 |
| Net interest margin | 3.2178% | 4,862 |
| Noninterest income to average assets | 0.8760% | 1,584 |
| Noninterest expense to average assets | 3.0631% | 2,644 |
| Loan and lease loss provision to assets | 0.2228% | 1,105 |
| Net operating income to assets | 0.6528% | 4,124 |
| Return on assets (ROA) | 0.8621% | 3,150 |
| Pretax return on assets | 0.8621% | 4,025 |
| Return on Equity (ROE) | 8.8772% | 2,650 |
| Retained earnings to average equity (ytd only) | 5.3387% | 2,379 |
| Net charge-offs to loans | 0.1503% | 2,532 |
| Credit loss provision to net charge-offs | 348.4375% | 756 |
| Earnings coverage of net charge-offs (x) | 13.6953% | 2,248 |
| Efficiency ratio | 77.7707% | 2,237 |
| Assets per employee ($millions) | 4.3832% | 3,217 |
| Cash dividends to net income (ytd only)* | 39.8610% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 3,408 |
| Loan loss allowance to noncurrent loans | 157.3418% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 4,188 |
| Noncurrent loans to loans | 0.8279% | 3,240 |
| Net loans and leases to total assets | 48.8318% | 5,089 |
| Net loans and leases to deposits | 54.8258% | 5,265 |
| Net loans and leases to core deposits | 59.9170% | 5,149 |
| Total domestic deposits to total assets | 89.0672% | 1,204 |
| Equity capital to assets | 10.7363% | 3,192 |
| Core capital (leverage) ratio | 10.9408% | 2,457 |
| Tier 1 risk-based capital ratio | 25.7490% | 780 |
| Total risk-based capital ratio | 27.0017% | 766 |
| Memoranda: | ||
| Average total assets | $200,219,400 | 2,994 |
| Average earning assets | $190,566,800 | 2,900 |
| Average equity | $19,443,000 | 3,224 |
| Average total loans | $85,147,400 | 3,736 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,063 |
| Cost of funding earning assets | 0.4233% | 3,541 |
| Net interest margin | 3.2074% | 4,942 |
| Noninterest income to average assets | 0.8901% | 1,550 |
| Noninterest expense to average assets | 2.9858% | 2,847 |
| Loan and lease loss provision to assets | 0.2290% | 978 |
| Net operating income to assets | 0.7305% | 3,785 |
| Return on assets (ROA) | 0.9443% | 2,799 |
| Pretax return on assets | 0.9443% | 3,812 |
| Return on Equity (ROE) | 9.9750% | 2,228 |
| Retained earnings to average equity (ytd only) | 5.8066% | 2,528 |
| Net charge-offs to loans | 0.2034% | 1,846 |
| Credit loss provision to net charge-offs | 275.3968% | 974 |
| Earnings coverage of net charge-offs (x) | 11.5394% | 2,420 |
| Efficiency ratio | 75.6816% | 2,540 |
| Assets per employee ($millions) | 4.3482% | 3,213 |
| Cash dividends to net income (ytd only)* | 41.7888% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 3,864 |
| Loan loss allowance to noncurrent loans | 185.4369% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 4,619 |
| Noncurrent loans to loans | 0.6807% | 3,905 |
| Net loans and leases to total assets | 45.8128% | 5,395 |
| Net loans and leases to deposits | 51.5000% | 5,562 |
| Net loans and leases to core deposits | 57.8462% | 5,338 |
| Total domestic deposits to total assets | 88.9569% | 1,261 |
| Equity capital to assets | 10.4140% | 3,665 |
| Core capital (leverage) ratio | 10.3329% | 3,241 |
| Tier 1 risk-based capital ratio | 25.1404% | 871 |
| Total risk-based capital ratio | 26.3924% | 856 |
| Memoranda: | ||
| Average total assets | $202,059,250 | 2,991 |
| Average earning assets | $192,465,250 | 2,905 |
| Average equity | $19,127,250 | 3,281 |
| Average total loans | $82,579,250 | 3,831 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 5,146 |
| Cost of funding earning assets | 0.4195% | 3,662 |
| Net interest margin | 3.1821% | 5,001 |
| Noninterest income to average assets | 0.9090% | 1,468 |
| Noninterest expense to average assets | 2.9179% | 3,105 |
| Loan and lease loss provision to assets | 0.2429% | 919 |
| Net operating income to assets | 0.7797% | 3,426 |
| Return on assets (ROA) | 1.0422% | 2,214 |
| Pretax return on assets | 1.0422% | 3,310 |
| Return on Equity (ROE) | 11.3732% | 1,609 |
| Retained earnings to average equity (ytd only) | 6.3066% | 2,153 |
| Net charge-offs to loans | 0.3156% | 1,278 |
| Credit loss provision to net charge-offs | 196.8254% | 1,189 |
| Earnings coverage of net charge-offs (x) | 8.2857% | 2,515 |
| Efficiency ratio | 74.0492% | 2,970 |
| Assets per employee ($millions) | 4.4856% | 2,941 |
| Cash dividends to net income (ytd only)* | 44.5489% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,306 |
| Loan loss allowance to noncurrent loans | 486.9767% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 5,482 |
| Noncurrent loans to loans | 0.2516% | 5,257 |
| Net loans and leases to total assets | 40.9042% | 5,750 |
| Net loans and leases to deposits | 45.5210% | 5,907 |
| Net loans and leases to core deposits | 53.9080% | 5,557 |
| Total domestic deposits to total assets | 89.8578% | 877 |
| Equity capital to assets | 9.6726% | 4,530 |
| Core capital (leverage) ratio | 10.1105% | 3,459 |
| Tier 1 risk-based capital ratio | 24.7764% | 895 |
| Total risk-based capital ratio | 26.0259% | 884 |
| Memoranda: | ||
| Average total assets | $204,189,000 | 2,980 |
| Average earning assets | $194,525,330 | 2,902 |
| Average equity | $18,710,670 | 3,324 |
| Average total loans | $79,843,000 | 3,915 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6349% | 5,052 |
| Cost of funding earning assets | 0.4197% | 3,761 |
| Net interest margin | 3.2152% | 4,879 |
| Noninterest income to average assets | 0.8724% | 1,479 |
| Noninterest expense to average assets | 3.0387% | 2,734 |
| Loan and lease loss provision to assets | 0.0768% | 2,608 |
| Net operating income to assets | 0.8192% | 3,058 |
| Return on assets (ROA) | 1.0871% | 1,929 |
| Pretax return on assets | 1.0871% | 2,969 |
| Return on Equity (ROE) | 12.2077% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.2221% | 1,186 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2272% | 2,604 |
| Assets per employee ($millions) | 4.5051% | 2,970 |
| Cash dividends to net income (ytd only)* | 24.4565% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 4,552 |
| Loan loss allowance to noncurrent loans | 765.0794% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 5,624 |
| Noncurrent loans to loans | 0.1593% | 5,604 |
| Net loans and leases to total assets | 38.5333% | 5,907 |
| Net loans and leases to deposits | 42.6388% | 6,042 |
| Net loans and leases to core deposits | 50.6067% | 5,719 |
| Total domestic deposits to total assets | 90.3715% | 877 |
| Equity capital to assets | 9.2911% | 4,766 |
| Core capital (leverage) ratio | 10.1680% | 3,328 |
| Tier 1 risk-based capital ratio | 26.4799% | 748 |
| Total risk-based capital ratio | 27.7258% | 738 |
| Memoranda: | ||
| Average total assets | $203,115,500 | 3,020 |
| Average earning assets | $193,457,000 | 2,926 |
| Average equity | $18,087,000 | 3,414 |
| Average total loans | $77,041,000 | 4,029 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1855% | 6,149 |
| Cost of funding earning assets | 0.4389% | 4,230 |
| Net interest margin | 2.7467% | 6,070 |
| Noninterest income to average assets | 0.8075% | 2,050 |
| Noninterest expense to average assets | 3.1194% | 2,677 |
| Loan and lease loss provision to assets | 0.0771% | 3,565 |
| Net operating income to assets | 0.2237% | 5,764 |
| Return on assets (ROA) | 0.4200% | 5,187 |
| Pretax return on assets | 0.4200% | 5,440 |
| Return on Equity (ROE) | 4.6128% | 4,830 |
| Retained earnings to average equity (ytd only) | 2.0446% | 4,785 |
| Net charge-offs to loans | 0.5188% | 1,272 |
| Credit loss provision to net charge-offs | 43.9306% | 3,960 |
| Earnings coverage of net charge-offs (x) | 1.7139% | 4,480 |
| Efficiency ratio | 91.2057% | 933 |
| Assets per employee ($millions) | 4.4239% | 3,042 |
| Cash dividends to net income (ytd only)* | 55.6763% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 4,483 |
| Loan loss allowance to noncurrent loans | 329.1815% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 5,436 |
| Noncurrent loans to loans | 0.3747% | 5,069 |
| Net loans and leases to total assets | 36.4000% | 6,178 |
| Net loans and leases to deposits | 41.2751% | 6,260 |
| Net loans and leases to core deposits | 49.5409% | 5,966 |
| Total domestic deposits to total assets | 88.1887% | 2,062 |
| Equity capital to assets | 8.5199% | 5,561 |
| Core capital (leverage) ratio | 9.8591% | 3,760 |
| Tier 1 risk-based capital ratio | 27.0984% | 670 |
| Total risk-based capital ratio | 28.3392% | 660 |
| Memoranda: | ||
| Average total assets | $197,155,400 | 3,064 |
| Average earning assets | $187,535,200 | 2,991 |
| Average equity | $17,950,000 | 3,424 |
| Average total loans | $66,691,600 | 4,392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0467% | 6,375 |
| Cost of funding earning assets | 0.4413% | 4,369 |
| Net interest margin | 2.6054% | 6,306 |
| Noninterest income to average assets | 0.7908% | 2,197 |
| Noninterest expense to average assets | 3.0638% | 2,778 |
| Loan and lease loss provision to assets | 0.0089% | 4,805 |
| Net operating income to assets | 0.1936% | 5,929 |
| Return on assets (ROA) | 0.4459% | 5,183 |
| Pretax return on assets | 0.4459% | 5,507 |
| Return on Equity (ROE) | 4.8168% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.0917% | 5,075 |
| Net charge-offs to loans | 0.6975% | 857 |
| Credit loss provision to net charge-offs | 3.8462% | 4,290 |
| Earnings coverage of net charge-offs (x) | 0.8787% | 4,558 |
| Efficiency ratio | 93.8009% | 751 |
| Assets per employee ($millions) | 4.3459% | 3,149 |
| Cash dividends to net income (ytd only)* | 56.5747% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1056% | 5,301 |
| Loan loss allowance to noncurrent loans | 228.8184% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 5,474 |
| Noncurrent loans to loans | 0.4832% | 4,990 |
| Net loans and leases to total assets | 35.5260% | 6,300 |
| Net loans and leases to deposits | 39.1059% | 6,413 |
| Net loans and leases to core deposits | 47.1365% | 6,159 |
| Total domestic deposits to total assets | 90.8455% | 595 |
| Equity capital to assets | 8.5437% | 5,680 |
| Core capital (leverage) ratio | 10.3381% | 3,187 |
| Tier 1 risk-based capital ratio | 27.6681% | 653 |
| Total risk-based capital ratio | 28.7672% | 650 |
| Memoranda: | ||
| Average total assets | $195,569,250 | 3,102 |
| Average earning assets | $185,814,250 | 3,034 |
| Average equity | $18,103,000 | 3,440 |
| Average total loans | $64,614,750 | 4,504 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9773% | 6,471 |
| Cost of funding earning assets | 0.4436% | 4,499 |
| Net interest margin | 2.5337% | 6,409 |
| Noninterest income to average assets | 0.7851% | 2,263 |
| Noninterest expense to average assets | 3.0517% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1401% | 6,041 |
| Return on assets (ROA) | 0.5038% | 4,949 |
| Pretax return on assets | 0.5038% | 5,362 |
| Return on Equity (ROE) | 5.3025% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.7675% | 5,132 |
| Net charge-offs to loans | 0.0386% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.3333% | 2,059 |
| Efficiency ratio | 95.6101% | 675 |
| Assets per employee ($millions) | 4.1205% | 3,532 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 2,970 |
| Loan loss allowance to noncurrent loans | 306.6482% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 5,547 |
| Noncurrent loans to loans | 0.5390% | 4,908 |
| Net loans and leases to total assets | 34.7487% | 6,377 |
| Net loans and leases to deposits | 38.5705% | 6,464 |
| Net loans and leases to core deposits | 43.0705% | 6,367 |
| Total domestic deposits to total assets | 90.0913% | 974 |
| Equity capital to assets | 9.0672% | 5,149 |
| Core capital (leverage) ratio | 10.4087% | 2,977 |
| Tier 1 risk-based capital ratio | 29.1806% | 566 |
| Total risk-based capital ratio | 30.4202% | 556 |
| Memoranda: | ||
| Average total assets | $194,121,330 | 3,138 |
| Average earning assets | $184,396,330 | 3,055 |
| Average equity | $18,444,000 | 3,402 |
| Average total loans | $62,214,670 | 4,595 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9986% | 6,520 |
| Cost of funding earning assets | 0.4400% | 4,704 |
| Net interest margin | 2.5586% | 6,426 |
| Noninterest income to average assets | 0.7759% | 2,231 |
| Noninterest expense to average assets | 3.1057% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0978% | 6,152 |
| Return on assets (ROA) | 0.5825% | 4,449 |
| Pretax return on assets | 0.5825% | 5,017 |
| Return on Equity (ROE) | 5.9980% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.2220% | 3,098 |
| Net charge-offs to loans | 0.0267% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 96.9485% | 684 |
| Assets per employee ($millions) | 4.1749% | 3,585 |
| Cash dividends to net income (ytd only)* | 12.9371% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 2,452 |
| Loan loss allowance to noncurrent loans | 236.7304% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3640% | 5,499 |
| Noncurrent loans to loans | 0.7803% | 4,559 |
| Net loans and leases to total assets | 30.8515% | 6,569 |
| Net loans and leases to deposits | 34.4241% | 6,619 |
| Net loans and leases to core deposits | 38.4050% | 6,548 |
| Total domestic deposits to total assets | 89.6218% | 1,282 |
| Equity capital to assets | 9.9960% | 4,157 |
| Core capital (leverage) ratio | 10.2779% | 3,043 |
| Tier 1 risk-based capital ratio | 33.0813% | 411 |
| Total risk-based capital ratio | 34.3265% | 400 |
| Memoranda: | ||
| Average total assets | $196,411,500 | 3,134 |
| Average earning assets | $186,351,500 | 3,067 |
| Average equity | $19,073,000 | 3,365 |
| Average total loans | $59,837,000 | 4,712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 6,371 |
| Cost of funding earning assets | 0.5309% | 4,990 |
| Net interest margin | 2.9552% | 6,127 |
| Noninterest income to average assets | 0.8562% | 2,010 |
| Noninterest expense to average assets | 3.3946% | 2,059 |
| Loan and lease loss provision to assets | 0.0728% | 4,816 |
| Net operating income to assets | 0.1743% | 5,834 |
| Return on assets (ROA) | 0.8359% | 3,366 |
| Pretax return on assets | 0.8359% | 4,162 |
| Return on Equity (ROE) | 8.1365% | 3,025 |
| Retained earnings to average equity (ytd only) | 4.3644% | 3,157 |
| Net charge-offs to loans | 0.0482% | 5,242 |
| Credit loss provision to net charge-offs | 500.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 16.9643% | 1,538 |
| Efficiency ratio | 93.2153% | 845 |
| Assets per employee ($millions) | 4.1829% | 3,586 |
| Cash dividends to net income (ytd only)* | 46.3597% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8867% | 2,331 |
| Loan loss allowance to noncurrent loans | 366.8852% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 5,881 |
| Noncurrent loans to loans | 0.5142% | 5,246 |
| Net loans and leases to total assets | 28.9829% | 6,733 |
| Net loans and leases to deposits | 33.3501% | 6,747 |
| Net loans and leases to core deposits | 38.0983% | 6,667 |
| Total domestic deposits to total assets | 86.9049% | 2,886 |
| Equity capital to assets | 9.4378% | 4,951 |
| Core capital (leverage) ratio | 9.9903% | 3,416 |
| Tier 1 risk-based capital ratio | 34.2452% | 359 |
| Total risk-based capital ratio | 35.5035% | 356 |
| Memoranda: | ||
| Average total assets | $192,246,000 | 3,148 |
| Average earning assets | $181,205,600 | 3,071 |
| Average equity | $19,750,600 | 3,226 |
| Average total loans | $58,047,400 | 4,795 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 6,406 |
| Cost of funding earning assets | 0.5559% | 5,035 |
| Net interest margin | 3.0349% | 6,094 |
| Noninterest income to average assets | 0.8787% | 1,911 |
| Noninterest expense to average assets | 3.2695% | 2,356 |
| Loan and lease loss provision to assets | 0.0982% | 4,343 |
| Net operating income to assets | 0.3633% | 5,393 |
| Return on assets (ROA) | 0.9075% | 3,179 |
| Pretax return on assets | 0.9075% | 4,075 |
| Return on Equity (ROE) | 8.6476% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.4441% | 3,769 |
| Net charge-offs to loans | 0.0854% | 4,532 |
| Credit loss provision to net charge-offs | 378.3784% | 715 |
| Earnings coverage of net charge-offs (x) | 17.7845% | 1,604 |
| Efficiency ratio | 87.6316% | 1,236 |
| Assets per employee ($millions) | 4.1275% | 3,632 |
| Cash dividends to net income (ytd only)* | 48.6092% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8677% | 2,590 |
| Loan loss allowance to noncurrent loans | 310.9244% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 5,939 |
| Noncurrent loans to loans | 0.6007% | 5,238 |
| Net loans and leases to total assets | 30.0633% | 6,818 |
| Net loans and leases to deposits | 33.8562% | 6,873 |
| Net loans and leases to core deposits | 38.7474% | 6,782 |
| Total domestic deposits to total assets | 88.7971% | 1,537 |
| Equity capital to assets | 10.5292% | 3,809 |
| Core capital (leverage) ratio | 10.1656% | 3,328 |
| Tier 1 risk-based capital ratio | 31.8804% | 449 |
| Total risk-based capital ratio | 33.1307% | 440 |
| Memoranda: | ||
| Average total assets | $190,113,250 | 3,203 |
| Average earning assets | $178,669,750 | 3,148 |
| Average equity | $19,951,000 | 3,247 |
| Average total loans | $57,731,750 | 4,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 6,562 |
| Cost of funding earning assets | 0.5841% | 5,033 |
| Net interest margin | 2.9534% | 6,330 |
| Noninterest income to average assets | 0.9046% | 1,773 |
| Noninterest expense to average assets | 3.3016% | 2,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3771% | 5,320 |
| Return on assets (ROA) | 0.7881% | 3,693 |
| Pretax return on assets | 0.7881% | 4,514 |
| Return on Equity (ROE) | 7.5179% | 3,501 |
| Retained earnings to average equity (ytd only) | 3.0011% | 4,645 |
| Net charge-offs to loans | 0.1644% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.5745% | 2,452 |
| Efficiency ratio | 89.7495% | 1,090 |
| Assets per employee ($millions) | 3.9891% | 3,900 |
| Cash dividends to net income (ytd only)* | 60.0806% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 3,380 |
| Loan loss allowance to noncurrent loans | 63.2828% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.9318% | 4,506 |
| Noncurrent loans to loans | 2.6289% | 2,286 |
| Net loans and leases to total assets | 30.2663% | 6,867 |
| Net loans and leases to deposits | 34.4625% | 6,910 |
| Net loans and leases to core deposits | 38.6921% | 6,847 |
| Total domestic deposits to total assets | 87.8236% | 2,268 |
| Equity capital to assets | 10.5288% | 3,653 |
| Core capital (leverage) ratio | 10.2268% | 3,111 |
| Tier 1 risk-based capital ratio | 32.2624% | 429 |
| Total risk-based capital ratio | 33.5047% | 424 |
| Memoranda: | ||
| Average total assets | $188,819,670 | 3,230 |
| Average earning assets | $177,352,330 | 3,173 |
| Average equity | $19,792,670 | 3,252 |
| Average total loans | $57,165,330 | 4,907 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6414% | 6,523 |
| Cost of funding earning assets | 0.5926% | 5,188 |
| Net interest margin | 3.0488% | 6,185 |
| Noninterest income to average assets | 0.7789% | 2,259 |
| Noninterest expense to average assets | 3.2826% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3525% | 5,465 |
| Return on assets (ROA) | 0.6312% | 4,424 |
| Pretax return on assets | 0.6312% | 5,008 |
| Return on Equity (ROE) | 6.0346% | 4,271 |
| Retained earnings to average equity (ytd only) | 2.4623% | 5,027 |
| Net charge-offs to loans | 0.3937% | 2,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.9821% | 2,999 |
| Efficiency ratio | 90.3020% | 1,072 |
| Assets per employee ($millions) | 3.9473% | 4,119 |
| Cash dividends to net income (ytd only)* | 59.1973% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 3,384 |
| Loan loss allowance to noncurrent loans | 58.9585% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 4,076 |
| Noncurrent loans to loans | 2.8657% | 2,251 |
| Net loans and leases to total assets | 29.2060% | 6,940 |
| Net loans and leases to deposits | 33.3611% | 6,974 |
| Net loans and leases to core deposits | 37.4365% | 6,898 |
| Total domestic deposits to total assets | 87.5451% | 2,626 |
| Equity capital to assets | 10.4213% | 3,594 |
| Core capital (leverage) ratio | 10.0187% | 3,348 |
| Tier 1 risk-based capital ratio | 32.3276% | 418 |
| Total risk-based capital ratio | 33.5720% | 413 |
| Memoranda: | ||
| Average total assets | $189,486,500 | 3,238 |
| Average earning assets | $177,515,000 | 3,182 |
| Average equity | $19,819,000 | 3,246 |
| Average total loans | $56,895,500 | 4,950 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 6,256 |
| Cost of funding earning assets | 0.6640% | 5,745 |
| Net interest margin | 3.4508% | 5,329 |
| Noninterest income to average assets | 0.7810% | 2,158 |
| Noninterest expense to average assets | 3.5019% | 1,974 |
| Loan and lease loss provision to assets | 0.0566% | 5,890 |
| Net operating income to assets | 0.4664% | 4,557 |
| Return on assets (ROA) | 0.8327% | 3,062 |
| Pretax return on assets | 0.8327% | 3,855 |
| Return on Equity (ROE) | 8.3813% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.2449% | 3,165 |
| Net charge-offs to loans | -0.2320% | 7,223 |
| Credit loss provision to net charge-offs | -75.5396% | 6,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0066% | 1,438 |
| Assets per employee ($millions) | 3.8674% | 4,165 |
| Cash dividends to net income (ytd only)* | 49.3532% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 3,023 |
| Loan loss allowance to noncurrent loans | 46.5342% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 4,118 |
| Noncurrent loans to loans | 3.7632% | 1,668 |
| Net loans and leases to total assets | 29.8129% | 7,015 |
| Net loans and leases to deposits | 34.0382% | 7,046 |
| Net loans and leases to core deposits | 38.1930% | 6,999 |
| Total domestic deposits to total assets | 87.5866% | 2,417 |
| Equity capital to assets | 10.4973% | 3,539 |
| Core capital (leverage) ratio | 9.9114% | 3,439 |
| Tier 1 risk-based capital ratio | 33.3918% | 380 |
| Total risk-based capital ratio | 34.6483% | 373 |
| Memoranda: | ||
| Average total assets | $185,670,200 | 3,251 |
| Average earning assets | $174,541,200 | 3,167 |
| Average equity | $18,445,800 | 3,371 |
| Average total loans | $59,905,400 | 4,870 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1746% | 6,265 |
| Cost of funding earning assets | 0.6854% | 5,850 |
| Net interest margin | 3.4892% | 5,232 |
| Noninterest income to average assets | 0.8402% | 1,873 |
| Noninterest expense to average assets | 3.4886% | 1,967 |
| Loan and lease loss provision to assets | 0.1516% | 4,559 |
| Net operating income to assets | 0.4778% | 4,646 |
| Return on assets (ROA) | 0.9687% | 2,609 |
| Pretax return on assets | 0.9687% | 3,522 |
| Return on Equity (ROE) | 9.8943% | 2,236 |
| Retained earnings to average equity (ytd only) | 4.9545% | 3,202 |
| Net charge-offs to loans | -0.0749% | 7,120 |
| Credit loss provision to net charge-offs | -617.6471% | 6,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7152% | 1,665 |
| Assets per employee ($millions) | 3.9354% | 3,990 |
| Cash dividends to net income (ytd only)* | 49.9254% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 3,197 |
| Loan loss allowance to noncurrent loans | 58.0069% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,337 |
| Noncurrent loans to loans | 2.9685% | 2,340 |
| Net loans and leases to total assets | 30.4254% | 7,075 |
| Net loans and leases to deposits | 34.5646% | 7,111 |
| Net loans and leases to core deposits | 38.7747% | 7,070 |
| Total domestic deposits to total assets | 88.0248% | 2,020 |
| Equity capital to assets | 10.1912% | 4,096 |
| Core capital (leverage) ratio | 10.0202% | 3,415 |
| Tier 1 risk-based capital ratio | 32.9087% | 422 |
| Total risk-based capital ratio | 34.1649% | 417 |
| Memoranda: | ||
| Average total assets | $184,711,500 | 3,283 |
| Average earning assets | $173,521,250 | 3,190 |
| Average equity | $18,084,000 | 3,419 |
| Average total loans | $60,505,750 | 4,889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 6,114 |
| Cost of funding earning assets | 0.7275% | 5,792 |
| Net interest margin | 3.5408% | 4,966 |
| Noninterest income to average assets | 0.8379% | 1,849 |
| Noninterest expense to average assets | 3.4901% | 2,005 |
| Loan and lease loss provision to assets | 0.1800% | 4,116 |
| Net operating income to assets | 0.4866% | 4,559 |
| Return on assets (ROA) | 0.9285% | 2,629 |
| Pretax return on assets | 0.9285% | 3,516 |
| Return on Equity (ROE) | 9.6185% | 2,258 |
| Retained earnings to average equity (ytd only) | 4.3402% | 3,432 |
| Net charge-offs to loans | -0.1013% | 7,169 |
| Credit loss provision to net charge-offs | -532.2581% | 6,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9633% | 1,817 |
| Assets per employee ($millions) | 3.8190% | 4,153 |
| Cash dividends to net income (ytd only)* | 54.8766% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,758 |
| Loan loss allowance to noncurrent loans | 54.8627% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 4,343 |
| Noncurrent loans to loans | 2.8883% | 2,528 |
| Net loans and leases to total assets | 32.4914% | 7,098 |
| Net loans and leases to deposits | 36.5043% | 7,167 |
| Net loans and leases to core deposits | 40.9753% | 7,106 |
| Total domestic deposits to total assets | 89.0071% | 1,524 |
| Equity capital to assets | 10.3639% | 3,671 |
| Core capital (leverage) ratio | 10.1093% | 3,134 |
| Tier 1 risk-based capital ratio | 31.7272% | 466 |
| Total risk-based capital ratio | 32.9692% | 458 |
| Memoranda: | ||
| Average total assets | $183,316,000 | 3,322 |
| Average earning assets | $171,823,330 | 3,246 |
| Average equity | $17,695,000 | 3,464 |
| Average total loans | $61,181,000 | 4,901 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 5,992 |
| Cost of funding earning assets | 0.7447% | 5,896 |
| Net interest margin | 3.5652% | 4,744 |
| Noninterest income to average assets | 0.7942% | 2,055 |
| Noninterest expense to average assets | 3.4323% | 2,189 |
| Loan and lease loss provision to assets | 0.2618% | 3,043 |
| Net operating income to assets | 0.4429% | 4,755 |
| Return on assets (ROA) | 0.6262% | 3,952 |
| Pretax return on assets | 0.6262% | 4,582 |
| Return on Equity (ROE) | 6.7357% | 3,516 |
| Retained earnings to average equity (ytd only) | 3.2857% | 4,215 |
| Net charge-offs to loans | -0.1301% | 7,157 |
| Credit loss provision to net charge-offs | -600.0000% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9641% | 2,085 |
| Assets per employee ($millions) | 3.8002% | 4,295 |
| Cash dividends to net income (ytd only)* | 51.2195% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 4,344 |
| Loan loss allowance to noncurrent loans | 40.4570% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 1.3097% | 4,351 |
| Noncurrent loans to loans | 3.6358% | 2,040 |
| Net loans and leases to total assets | 33.1595% | 7,119 |
| Net loans and leases to deposits | 36.8912% | 7,199 |
| Net loans and leases to core deposits | 41.3379% | 7,124 |
| Total domestic deposits to total assets | 89.8848% | 1,222 |
| Equity capital to assets | 9.5938% | 4,320 |
| Core capital (leverage) ratio | 10.0461% | 3,093 |
| Tier 1 risk-based capital ratio | 27.8276% | 646 |
| Total risk-based capital ratio | 29.0784% | 631 |
| Memoranda: | ||
| Average total assets | $183,319,000 | 3,349 |
| Average earning assets | $171,882,500 | 3,274 |
| Average equity | $17,043,500 | 3,555 |
| Average total loans | $61,512,000 | 4,930 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 6,928 |
| Cost of funding earning assets | 1.1276% | 4,981 |
| Net interest margin | 3.0683% | 6,601 |
| Noninterest income to average assets | 0.8041% | 2,263 |
| Noninterest expense to average assets | 3.2074% | 3,060 |
| Loan and lease loss provision to assets | 0.0688% | 6,461 |
| Net operating income to assets | 0.3974% | 4,548 |
| Return on assets (ROA) | 1.0138% | 2,097 |
| Pretax return on assets | 1.0138% | 2,884 |
| Return on Equity (ROE) | 11.4963% | 1,454 |
| Retained earnings to average equity (ytd only) | 6.8566% | 1,383 |
| Net charge-offs to loans | 0.1611% | 5,373 |
| Credit loss provision to net charge-offs | 138.6139% | 2,752 |
| Earnings coverage of net charge-offs (x) | 9.3960% | 1,828 |
| Efficiency ratio | 87.3111% | 1,540 |
| Assets per employee ($millions) | 3.9198% | 3,968 |
| Cash dividends to net income (ytd only)* | 40.3585% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,334 |
| Loan loss allowance to noncurrent loans | 40.1579% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1165% | 4,780 |
| Noncurrent loans to loans | 3.0827% | 2,473 |
| Net loans and leases to total assets | 33.0415% | 7,256 |
| Net loans and leases to deposits | 36.4903% | 7,335 |
| Net loans and leases to core deposits | 40.1822% | 7,299 |
| Total domestic deposits to total assets | 90.5487% | 808 |
| Equity capital to assets | 9.0035% | 5,140 |
| Core capital (leverage) ratio | 9.4806% | 3,726 |
| Tier 1 risk-based capital ratio | 27.7613% | 629 |
| Total risk-based capital ratio | 28.9342% | 620 |
| Memoranda: | ||
| Average total assets | $203,590,800 | 3,060 |
| Average earning assets | $190,401,200 | 2,996 |
| Average equity | $17,953,600 | 3,429 |
| Average total loans | $62,686,600 | 4,965 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 7,079 |
| Cost of funding earning assets | 1.2043% | 4,849 |
| Net interest margin | 3.0053% | 6,819 |
| Noninterest income to average assets | 0.8118% | 2,173 |
| Noninterest expense to average assets | 3.0564% | 3,551 |
| Loan and lease loss provision to assets | 0.0896% | 6,151 |
| Net operating income to assets | 0.4753% | 4,418 |
| Return on assets (ROA) | 1.1239% | 1,924 |
| Pretax return on assets | 1.1239% | 2,755 |
| Return on Equity (ROE) | 12.8045% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.4043% | 1,639 |
| Net charge-offs to loans | 0.2775% | 4,281 |
| Credit loss provision to net charge-offs | 106.8702% | 4,001 |
| Earnings coverage of net charge-offs (x) | 6.7405% | 2,466 |
| Efficiency ratio | 84.4020% | 1,793 |
| Assets per employee ($millions) | 3.9842% | 3,872 |
| Cash dividends to net income (ytd only)* | 42.1743% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 5,694 |
| Loan loss allowance to noncurrent loans | 138.5633% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 6,572 |
| Noncurrent loans to loans | 0.8328% | 5,555 |
| Net loans and leases to total assets | 32.8308% | 7,381 |
| Net loans and leases to deposits | 37.0366% | 7,447 |
| Net loans and leases to core deposits | 40.7180% | 7,411 |
| Total domestic deposits to total assets | 88.6442% | 1,595 |
| Equity capital to assets | 10.1772% | 3,910 |
| Core capital (leverage) ratio | 9.2497% | 4,279 |
| Tier 1 risk-based capital ratio | 27.4726% | 661 |
| Total risk-based capital ratio | 28.6011% | 660 |
| Memoranda: | ||
| Average total assets | $208,431,250 | 3,039 |
| Average earning assets | $194,848,250 | 2,983 |
| Average equity | $18,295,250 | 3,427 |
| Average total loans | $62,949,500 | 5,028 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 7,254 |
| Cost of funding earning assets | 1.3319% | 4,317 |
| Net interest margin | 2.7954% | 7,149 |
| Noninterest income to average assets | 0.7910% | 2,168 |
| Noninterest expense to average assets | 2.9296% | 3,962 |
| Loan and lease loss provision to assets | 0.1307% | 5,576 |
| Net operating income to assets | 0.3493% | 4,976 |
| Return on assets (ROA) | 1.0403% | 2,126 |
| Pretax return on assets | 1.0403% | 2,976 |
| Return on Equity (ROE) | 12.4428% | 1,361 |
| Retained earnings to average equity (ytd only) | 5.8304% | 2,431 |
| Net charge-offs to loans | 0.0223% | 6,025 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 73.4286% | 432 |
| Efficiency ratio | 85.9217% | 1,716 |
| Assets per employee ($millions) | 4.2195% | 3,350 |
| Cash dividends to net income (ytd only)* | 53.1418% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 4,722 |
| Loan loss allowance to noncurrent loans | 107.1250% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 6,454 |
| Noncurrent loans to loans | 1.2524% | 4,875 |
| Net loans and leases to total assets | 31.1145% | 7,507 |
| Net loans and leases to deposits | 34.7699% | 7,557 |
| Net loans and leases to core deposits | 37.7543% | 7,537 |
| Total domestic deposits to total assets | 89.4868% | 1,186 |
| Equity capital to assets | 8.8962% | 5,608 |
| Core capital (leverage) ratio | 8.1818% | 5,973 |
| Tier 1 risk-based capital ratio | 22.4910% | 1,122 |
| Total risk-based capital ratio | 23.6019% | 1,128 |
| Memoranda: | ||
| Average total assets | $214,161,330 | 3,009 |
| Average earning assets | $200,612,330 | 2,943 |
| Average equity | $17,906,000 | 3,480 |
| Average total loans | $62,759,670 | 5,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2761% | 7,168 |
| Cost of funding earning assets | 1.4956% | 3,591 |
| Net interest margin | 2.7804% | 7,209 |
| Noninterest income to average assets | 0.7328% | 2,394 |
| Noninterest expense to average assets | 2.7185% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6037% | 3,878 |
| Return on assets (ROA) | 0.9765% | 2,335 |
| Pretax return on assets | 0.9765% | 3,177 |
| Return on Equity (ROE) | 12.0336% | 1,493 |
| Retained earnings to average equity (ytd only) | 7.3277% | 2,005 |
| Net charge-offs to loans | 0.0322% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 456 |
| Efficiency ratio | 81.8281% | 2,290 |
| Assets per employee ($millions) | 4.4051% | 3,118 |
| Cash dividends to net income (ytd only)* | 39.1061% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,781 |
| Loan loss allowance to noncurrent loans | 82.9296% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 6,062 |
| Noncurrent loans to loans | 1.3859% | 4,656 |
| Net loans and leases to total assets | 28.6497% | 7,657 |
| Net loans and leases to deposits | 31.5216% | 7,704 |
| Net loans and leases to core deposits | 34.0096% | 7,685 |
| Total domestic deposits to total assets | 90.8891% | 590 |
| Equity capital to assets | 8.4850% | 6,021 |
| Core capital (leverage) ratio | 7.7373% | 6,584 |
| Tier 1 risk-based capital ratio | 20.2965% | 1,467 |
| Total risk-based capital ratio | 21.1472% | 1,509 |
| Memoranda: | ||
| Average total assets | $219,974,000 | 2,988 |
| Average earning assets | $204,861,000 | 2,931 |
| Average equity | $17,850,000 | 3,511 |
| Average total loans | $62,202,000 | 5,170 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 6,798 |
| Cost of funding earning assets | 1.6396% | 4,847 |
| Net interest margin | 3.2246% | 6,011 |
| Noninterest income to average assets | 0.8746% | 2,053 |
| Noninterest expense to average assets | 3.4975% | 2,378 |
| Loan and lease loss provision to assets | 0.0538% | 7,028 |
| Net operating income to assets | 0.3712% | 4,245 |
| Return on assets (ROA) | 0.9871% | 1,932 |
| Pretax return on assets | 0.9871% | 2,633 |
| Return on Equity (ROE) | 11.0004% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.8089% | 1,424 |
| Net charge-offs to loans | 0.0243% | 6,897 |
| Credit loss provision to net charge-offs | 666.6667% | 436 |
| Earnings coverage of net charge-offs (x) | 52.6667% | 495 |
| Efficiency ratio | 89.1662% | 1,775 |
| Assets per employee ($millions) | 4.6687% | 2,660 |
| Cash dividends to net income (ytd only)* | 47.1935% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,535 |
| Loan loss allowance to noncurrent loans | 140.8560% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 6,349 |
| Noncurrent loans to loans | 0.8311% | 5,629 |
| Net loans and leases to total assets | 27.2740% | 7,763 |
| Net loans and leases to deposits | 29.7789% | 7,815 |
| Net loans and leases to core deposits | 30.9420% | 7,857 |
| Total domestic deposits to total assets | 91.5884% | 352 |
| Equity capital to assets | 7.7578% | 6,810 |
| Core capital (leverage) ratio | 7.7480% | 6,504 |
| Tier 1 risk-based capital ratio | 19.2957% | 1,594 |
| Total risk-based capital ratio | 20.1259% | 1,648 |
| Memoranda: | ||
| Average total assets | $185,906,000 | 3,340 |
| Average earning assets | $175,714,400 | 3,272 |
| Average equity | $16,681,200 | 3,738 |
| Average total loans | $61,762,200 | 5,182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9356% | 6,807 |
| Cost of funding earning assets | 1.5844% | 5,471 |
| Net interest margin | 3.3512% | 5,441 |
| Noninterest income to average assets | 0.9102% | 1,937 |
| Noninterest expense to average assets | 3.4898% | 2,310 |
| Loan and lease loss provision to assets | 0.0756% | 6,605 |
| Net operating income to assets | 0.5126% | 3,928 |
| Return on assets (ROA) | 1.1234% | 1,727 |
| Pretax return on assets | 1.1234% | 2,492 |
| Return on Equity (ROE) | 12.0039% | 1,347 |
| Retained earnings to average equity (ytd only) | 6.0586% | 1,921 |
| Net charge-offs to loans | 0.0216% | 6,594 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 77.8177% | 433 |
| Efficiency ratio | 85.5766% | 2,112 |
| Assets per employee ($millions) | 4.1567% | 3,449 |
| Cash dividends to net income (ytd only)* | 49.5291% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 5,349 |
| Loan loss allowance to noncurrent loans | 150.9317% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 6,290 |
| Noncurrent loans to loans | 0.7698% | 5,762 |
| Net loans and leases to total assets | 31.0826% | 7,780 |
| Net loans and leases to deposits | 35.5566% | 7,832 |
| Net loans and leases to core deposits | 39.0404% | 7,861 |
| Total domestic deposits to total assets | 87.4173% | 1,939 |
| Equity capital to assets | 9.0071% | 5,468 |
| Core capital (leverage) ratio | 9.0074% | 4,639 |
| Tier 1 risk-based capital ratio | 20.2364% | 1,511 |
| Total risk-based capital ratio | 21.1246% | 1,542 |
| Memoranda: | ||
| Average total assets | $176,358,500 | 3,517 |
| Average earning assets | $166,702,500 | 3,432 |
| Average equity | $16,505,250 | 3,809 |
| Average total loans | $61,741,750 | 5,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 6,754 |
| Cost of funding earning assets | 1.5742% | 5,825 |
| Net interest margin | 3.4301% | 5,062 |
| Noninterest income to average assets | 0.9357% | 1,815 |
| Noninterest expense to average assets | 3.6504% | 1,944 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5206% | 4,018 |
| Return on assets (ROA) | 1.3485% | 1,197 |
| Pretax return on assets | 1.3485% | 1,882 |
| Return on Equity (ROE) | 14.1977% | 960 |
| Retained earnings to average equity (ytd only) | 7.0926% | 1,545 |
| Net charge-offs to loans | -0.0391% | 7,814 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5178% | 2,073 |
| Assets per employee ($millions) | 3.6028% | 4,565 |
| Cash dividends to net income (ytd only)* | 50.0440% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,949 |
| Loan loss allowance to noncurrent loans | 92.4716% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 5,828 |
| Noncurrent loans to loans | 1.1288% | 4,963 |
| Net loans and leases to total assets | 35.6876% | 7,715 |
| Net loans and leases to deposits | 39.8798% | 7,821 |
| Net loans and leases to core deposits | 46.6098% | 7,824 |
| Total domestic deposits to total assets | 89.4879% | 1,044 |
| Equity capital to assets | 9.3753% | 4,778 |
| Core capital (leverage) ratio | 9.5763% | 3,783 |
| Tier 1 risk-based capital ratio | 21.7323% | 1,294 |
| Total risk-based capital ratio | 22.5935% | 1,311 |
| Memoranda: | ||
| Average total assets | $168,638,000 | 3,669 |
| Average earning assets | $159,062,670 | 3,579 |
| Average equity | $16,016,670 | 3,919 |
| Average total loans | $61,407,330 | 5,271 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1863% | 6,348 |
| Cost of funding earning assets | 1.5567% | 6,206 |
| Net interest margin | 3.6297% | 4,186 |
| Noninterest income to average assets | 0.8889% | 1,896 |
| Noninterest expense to average assets | 3.5606% | 1,950 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7568% | 3,317 |
| Return on assets (ROA) | 2.0470% | 366 |
| Pretax return on assets | 2.0470% | 607 |
| Return on Equity (ROE) | 21.4091% | 335 |
| Retained earnings to average equity (ytd only) | 17.5896% | 248 |
| Net charge-offs to loans | -0.0657% | 7,781 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4708% | 2,480 |
| Assets per employee ($millions) | 3.4294% | 4,996 |
| Cash dividends to net income (ytd only)* | 17.8404% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 5,737 |
| Loan loss allowance to noncurrent loans | 195.4819% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 6,177 |
| Noncurrent loans to loans | 0.5435% | 6,055 |
| Net loans and leases to total assets | 36.7177% | 7,708 |
| Net loans and leases to deposits | 41.2617% | 7,803 |
| Net loans and leases to core deposits | 50.0373% | 7,792 |
| Total domestic deposits to total assets | 88.9873% | 1,233 |
| Equity capital to assets | 9.9411% | 4,065 |
| Core capital (leverage) ratio | 10.2846% | 3,127 |
| Tier 1 risk-based capital ratio | 22.5618% | 1,237 |
| Total risk-based capital ratio | 23.4461% | 1,246 |
| Memoranda: | ||
| Average total assets | $166,490,000 | 3,719 |
| Average earning assets | $157,260,000 | 3,625 |
| Average equity | $15,918,500 | 3,956 |
| Average total loans | $60,927,500 | 5,323 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 7,170 |
| Cost of funding earning assets | 2.1537% | 5,811 |
| Net interest margin | 3.4093% | 5,623 |
| Noninterest income to average assets | 0.9639% | 1,717 |
| Noninterest expense to average assets | 3.4047% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7833% | 3,509 |
| Return on assets (ROA) | 1.1185% | 1,991 |
| Pretax return on assets | 1.1185% | 2,961 |
| Return on Equity (ROE) | 12.8457% | 1,371 |
| Retained earnings to average equity (ytd only) | 0.3059% | 5,058 |
| Net charge-offs to loans | -0.0150% | 7,898 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2967% | 2,400 |
| Assets per employee ($millions) | 3.5823% | 4,463 |
| Cash dividends to net income (ytd only)* | 97.6190% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,611 |
| Loan loss allowance to noncurrent loans | 88.7500% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 5,823 |
| Noncurrent loans to loans | 1.1849% | 4,141 |
| Net loans and leases to total assets | 35.7106% | 7,842 |
| Net loans and leases to deposits | 44.7833% | 7,826 |
| Net loans and leases to core deposits | 52.0977% | 7,842 |
| Total domestic deposits to total assets | 79.7410% | 5,116 |
| Equity capital to assets | 9.1899% | 5,097 |
| Core capital (leverage) ratio | 10.2046% | 3,263 |
| Tier 1 risk-based capital ratio | 21.9126% | 1,325 |
| Total risk-based capital ratio | 22.7955% | 1,346 |
| Memoranda: | ||
| Average total assets | $172,731,600 | 3,508 |
| Average earning assets | $163,345,200 | 3,427 |
| Average equity | $15,040,000 | 4,135 |
| Average total loans | $59,881,800 | 5,272 |