Home > The Clinton National Bank > Performance and Condition Ratios
The Clinton National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 4,462 |
| Cost of funding earning assets | 1.0353% | 3,216 |
| Net interest margin | 2.2290% | 4,298 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.5021% | 2,293 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.1007% | 4,252 |
| Return on assets (ROA) | 0.1052% | 4,272 |
| Pretax return on assets | 0.1104% | 4,270 |
| Return on Equity (ROE) | 1.5400% | 4,206 |
| Retained earnings to average equity (ytd only) | -1.3627% | 4,219 |
| Net charge-offs to loans | 0.0256% | 1,804 |
| Credit loss provision to net charge-offs | 982.1429% | 421 |
| Earnings coverage of net charge-offs (x) | 17.7857% | 1,963 |
| Efficiency ratio | 91.3848% | 374 |
| Assets per employee ($millions) | 4.5606% | 3,919 |
| Cash dividends to net income (ytd only)* | 188.2883% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,290 |
| Loan loss allowance to noncurrent loans | 27.9549% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.7899% | 81 |
| Noncurrent loans to loans | 5.1024% | 46 |
| Net loans and leases to total assets | 53.6000% | 3,380 |
| Net loans and leases to deposits | 64.0137% | 3,289 |
| Net loans and leases to core deposits | 68.7175% | 3,366 |
| Total domestic deposits to total assets | 83.7300% | 2,695 |
| Equity capital to assets | 8.1665% | 3,301 |
| Core capital (leverage) ratio | 12.3082% | 1,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $422,252,000 | 1,945 |
| Average earning assets | $405,693,400 | 1,890 |
| Average equity | $28,767,000 | 2,330 |
| Average total loans | $218,451,200 | 2,171 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1899% | 4,488 |
| Cost of funding earning assets | 0.9445% | 3,168 |
| Net interest margin | 2.2453% | 4,328 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.5112% | 2,205 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.0866% | 4,330 |
| Return on assets (ROA) | 0.0926% | 4,346 |
| Pretax return on assets | 0.0969% | 4,348 |
| Return on Equity (ROE) | 1.4300% | 4,267 |
| Retained earnings to average equity (ytd only) | -2.6018% | 4,350 |
| Net charge-offs to loans | 0.0171% | 1,790 |
| Credit loss provision to net charge-offs | 1,607.1429% | 292 |
| Earnings coverage of net charge-offs (x) | 26.4286% | 1,666 |
| Efficiency ratio | 91.5621% | 329 |
| Assets per employee ($millions) | 4.6705% | 3,835 |
| Cash dividends to net income (ytd only)* | 282.4324% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 1,483 |
| Loan loss allowance to noncurrent loans | 28.0990% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.6043% | 89 |
| Noncurrent loans to loans | 4.9484% | 53 |
| Net loans and leases to total assets | 51.9000% | 3,503 |
| Net loans and leases to deposits | 57.8410% | 3,613 |
| Net loans and leases to core deposits | 61.8496% | 3,619 |
| Total domestic deposits to total assets | 89.7200% | 1,013 |
| Equity capital to assets | 5.6827% | 4,089 |
| Core capital (leverage) ratio | 12.0749% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $426,342,750 | 1,933 |
| Average earning assets | $409,785,500 | 1,874 |
| Average equity | $27,672,000 | 2,369 |
| Average total loans | $217,889,500 | 2,175 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 4,520 |
| Cost of funding earning assets | 0.8272% | 3,139 |
| Net interest margin | 2.2983% | 4,364 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.5017% | 2,201 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.1311% | 4,344 |
| Return on assets (ROA) | 0.1401% | 4,367 |
| Pretax return on assets | 0.1466% | 4,365 |
| Return on Equity (ROE) | 2.0700% | 4,266 |
| Retained earnings to average equity (ytd only) | -3.5322% | 4,366 |
| Net charge-offs to loans | 0.0304% | 1,278 |
| Credit loss provision to net charge-offs | 909.0909% | 437 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,773 |
| Efficiency ratio | 90.0202% | 353 |
| Assets per employee ($millions) | 4.5697% | 3,903 |
| Cash dividends to net income (ytd only)* | 270.3333% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 1,849 |
| Loan loss allowance to noncurrent loans | 26.4847% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 2.6817% | 90 |
| Noncurrent loans to loans | 4.9803% | 51 |
| Net loans and leases to total assets | 53.1400% | 3,334 |
| Net loans and leases to deposits | 59.7581% | 3,436 |
| Net loans and leases to core deposits | 63.4581% | 3,475 |
| Total domestic deposits to total assets | 88.9200% | 1,289 |
| Equity capital to assets | 6.9125% | 3,840 |
| Core capital (leverage) ratio | 11.9135% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $428,341,333 | 1,924 |
| Average earning assets | $412,478,000 | 1,868 |
| Average equity | $28,933,667 | 2,312 |
| Average total loans | $216,778,000 | 2,174 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0005% | 4,564 |
| Cost of funding earning assets | 0.6864% | 3,094 |
| Net interest margin | 2.3141% | 4,441 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.4501% | 2,368 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.1701% | 4,385 |
| Return on assets (ROA) | 0.1877% | 4,333 |
| Pretax return on assets | 0.1950% | 4,340 |
| Return on Equity (ROE) | 2.8100% | 4,207 |
| Retained earnings to average equity (ytd only) | -5.5506% | 4,352 |
| Net charge-offs to loans | 0.0802% | 666 |
| Credit loss provision to net charge-offs | 348.8372% | 644 |
| Earnings coverage of net charge-offs (x) | 7.9767% | 1,736 |
| Efficiency ratio | 88.6386% | 402 |
| Assets per employee ($millions) | 5.2906% | 3,425 |
| Cash dividends to net income (ytd only)* | 297.5610% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,217 |
| Loan loss allowance to noncurrent loans | 24.1491% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.4830% | 79 |
| Noncurrent loans to loans | 5.2354% | 51 |
| Net loans and leases to total assets | 46.8300% | 3,723 |
| Net loans and leases to deposits | 52.1440% | 3,784 |
| Net loans and leases to core deposits | 53.4092% | 3,856 |
| Total domestic deposits to total assets | 89.8100% | 1,227 |
| Equity capital to assets | 6.7333% | 3,951 |
| Core capital (leverage) ratio | 11.8183% | 1,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $436,876,500 | 1,918 |
| Average earning assets | $420,725,000 | 1,864 |
| Average equity | $29,186,000 | 2,322 |
| Average total loans | $214,441,500 | 2,209 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7260% | 4,386 |
| Cost of funding earning assets | 0.2832% | 3,013 |
| Net interest margin | 2.4429% | 4,330 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.4466% | 2,278 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.4431% | 4,186 |
| Return on assets (ROA) | 0.4493% | 4,133 |
| Pretax return on assets | 0.4696% | 4,210 |
| Return on Equity (ROE) | 5.5300% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.7813% | 3,468 |
| Net charge-offs to loans | -0.0160% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.2858% | 521 |
| Assets per employee ($millions) | 4.8078% | 3,809 |
| Cash dividends to net income (ytd only)* | 31.6744% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2598% | 2,099 |
| Loan loss allowance to noncurrent loans | 99.1776% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 769 |
| Noncurrent loans to loans | 1.2703% | 542 |
| Net loans and leases to total assets | 50.2900% | 3,482 |
| Net loans and leases to deposits | 56.1784% | 3,565 |
| Net loans and leases to core deposits | 57.5904% | 3,638 |
| Total domestic deposits to total assets | 89.5200% | 1,549 |
| Equity capital to assets | 6.6220% | 3,856 |
| Core capital (leverage) ratio | 11.9905% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $429,321,800 | 1,924 |
| Average earning assets | $413,530,600 | 1,866 |
| Average equity | $34,855,800 | 2,118 |
| Average total loans | $199,914,600 | 2,232 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6090% | 4,383 |
| Cost of funding earning assets | 0.2219% | 3,020 |
| Net interest margin | 2.3871% | 4,341 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.4338% | 2,209 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4130% | 4,219 |
| Return on assets (ROA) | 0.4213% | 4,151 |
| Pretax return on assets | 0.4400% | 4,224 |
| Return on Equity (ROE) | 4.9700% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.7519% | 3,846 |
| Net charge-offs to loans | -0.0243% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.1293% | 539 |
| Assets per employee ($millions) | 4.8863% | 3,776 |
| Cash dividends to net income (ytd only)* | 44.6311% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,202 |
| Loan loss allowance to noncurrent loans | 235.8169% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2591% | 1,924 |
| Noncurrent loans to loans | 0.5359% | 1,465 |
| Net loans and leases to total assets | 47.7300% | 3,649 |
| Net loans and leases to deposits | 52.6043% | 3,693 |
| Net loans and leases to core deposits | 53.4636% | 3,777 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 5.4791% | 4,136 |
| Core capital (leverage) ratio | 11.8794% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $433,284,500 | 1,918 |
| Average earning assets | $417,514,000 | 1,862 |
| Average equity | $36,724,750 | 2,080 |
| Average total loans | $197,247,750 | 2,249 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5309% | 4,348 |
| Cost of funding earning assets | 0.2116% | 2,758 |
| Net interest margin | 2.3193% | 4,318 |
| Noninterest income to average assets | 0.6013% | 1,731 |
| Noninterest expense to average assets | 2.4140% | 2,184 |
| Loan and lease loss provision to assets | 0.0276% | 2,097 |
| Net operating income to assets | 0.3785% | 4,150 |
| Return on assets (ROA) | 0.3909% | 4,075 |
| Pretax return on assets | 0.4079% | 4,146 |
| Return on Equity (ROE) | 4.1301% | 4,007 |
| Retained earnings to average equity (ytd only) | 1.8923% | 3,782 |
| Net charge-offs to loans | -0.0527% | 4,259 |
| Credit loss provision to net charge-offs | -117.6471% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0998% | 620 |
| Assets per employee ($millions) | 4.8286% | 3,828 |
| Cash dividends to net income (ytd only)* | 54.1814% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 2,011 |
| Loan loss allowance to noncurrent loans | 230.2203% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 1,961 |
| Noncurrent loans to loans | 0.5818% | 1,453 |
| Net loans and leases to total assets | 45.8155% | 3,722 |
| Net loans and leases to deposits | 51.4906% | 3,726 |
| Net loans and leases to core deposits | 52.4917% | 3,787 |
| Total domestic deposits to total assets | 88.9784% | 2,195 |
| Equity capital to assets | 7.5654% | 3,426 |
| Core capital (leverage) ratio | 11.7211% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,381,333 | 1,922 |
| Average earning assets | $418,662,333 | 1,886 |
| Average equity | $41,113,000 | 1,951 |
| Average total loans | $193,707,333 | 2,275 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3834% | 4,393 |
| Cost of funding earning assets | 0.2104% | 2,661 |
| Net interest margin | 2.1729% | 4,378 |
| Noninterest income to average assets | 0.5889% | 1,740 |
| Noninterest expense to average assets | 2.3998% | 2,163 |
| Loan and lease loss provision to assets | 0.0272% | 1,877 |
| Net operating income to assets | 0.2473% | 4,246 |
| Return on assets (ROA) | 0.2682% | 4,171 |
| Pretax return on assets | 0.2790% | 4,216 |
| Return on Equity (ROE) | 2.5863% | 4,167 |
| Retained earnings to average equity (ytd only) | -0.9961% | 4,143 |
| Net charge-offs to loans | -0.0166% | 3,814 |
| Credit loss provision to net charge-offs | -375.0000% | 3,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4026% | 577 |
| Assets per employee ($millions) | 5.0611% | 3,701 |
| Cash dividends to net income (ytd only)* | 138.5135% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,400 |
| Loan loss allowance to noncurrent loans | 118.3046% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 1,261 |
| Noncurrent loans to loans | 1.0933% | 818 |
| Net loans and leases to total assets | 43.5206% | 3,778 |
| Net loans and leases to deposits | 49.4379% | 3,777 |
| Net loans and leases to core deposits | 50.3817% | 3,852 |
| Total domestic deposits to total assets | 88.0310% | 2,509 |
| Equity capital to assets | 8.6303% | 3,048 |
| Core capital (leverage) ratio | 11.7720% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,529,500 | 1,906 |
| Average earning assets | $425,786,000 | 1,866 |
| Average equity | $45,779,000 | 1,858 |
| Average total loans | $193,022,500 | 2,280 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5662% | 4,433 |
| Cost of funding earning assets | 0.2518% | 2,913 |
| Net interest margin | 2.3144% | 4,402 |
| Noninterest income to average assets | 0.6233% | 2,058 |
| Noninterest expense to average assets | 2.5035% | 2,169 |
| Loan and lease loss provision to assets | 0.0679% | 1,710 |
| Net operating income to assets | 0.2591% | 4,468 |
| Return on assets (ROA) | 0.2681% | 4,481 |
| Pretax return on assets | 0.2826% | 4,507 |
| Return on Equity (ROE) | 2.1555% | 4,482 |
| Retained earnings to average equity (ytd only) | 0.6894% | 4,337 |
| Net charge-offs to loans | 0.0264% | 1,715 |
| Credit loss provision to net charge-offs | 566.0377% | 750 |
| Earnings coverage of net charge-offs (x) | 28.4340% | 1,647 |
| Efficiency ratio | 88.0130% | 388 |
| Assets per employee ($millions) | 4.8632% | 3,841 |
| Cash dividends to net income (ytd only)* | 68.0169% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3191% | 2,275 |
| Loan loss allowance to noncurrent loans | 117.5752% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 1,371 |
| Noncurrent loans to loans | 1.1219% | 863 |
| Net loans and leases to total assets | 42.7644% | 3,928 |
| Net loans and leases to deposits | 51.3323% | 3,780 |
| Net loans and leases to core deposits | 52.6129% | 3,851 |
| Total domestic deposits to total assets | 83.3090% | 3,741 |
| Equity capital to assets | 12.1368% | 1,197 |
| Core capital (leverage) ratio | 11.6589% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $441,985,200 | 1,857 |
| Average earning assets | $424,172,600 | 1,825 |
| Average equity | $54,976,800 | 1,633 |
| Average total loans | $201,060,800 | 2,227 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6236% | 4,485 |
| Cost of funding earning assets | 0.2571% | 3,046 |
| Net interest margin | 2.3666% | 4,432 |
| Noninterest income to average assets | 0.6256% | 2,116 |
| Noninterest expense to average assets | 2.4763% | 2,195 |
| Loan and lease loss provision to assets | 0.0271% | 2,453 |
| Net operating income to assets | 0.3740% | 4,417 |
| Return on assets (ROA) | 0.3861% | 4,425 |
| Pretax return on assets | 0.4038% | 4,486 |
| Return on Equity (ROE) | 3.0855% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.1471% | 4,383 |
| Net charge-offs to loans | 0.0333% | 1,404 |
| Credit loss provision to net charge-offs | 176.4706% | 1,266 |
| Earnings coverage of net charge-offs (x) | 27.2549% | 1,583 |
| Efficiency ratio | 85.5494% | 451 |
| Assets per employee ($millions) | 5.1046% | 3,600 |
| Cash dividends to net income (ytd only)* | 62.8215% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,923 |
| Loan loss allowance to noncurrent loans | 98.0342% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 1,522 |
| Noncurrent loans to loans | 1.2385% | 896 |
| Net loans and leases to total assets | 40.1809% | 4,199 |
| Net loans and leases to deposits | 47.4458% | 4,149 |
| Net loans and leases to core deposits | 48.3600% | 4,221 |
| Total domestic deposits to total assets | 84.6880% | 3,226 |
| Equity capital to assets | 11.8555% | 1,468 |
| Core capital (leverage) ratio | 11.7378% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,060,500 | 1,878 |
| Average earning assets | $424,796,000 | 1,837 |
| Average equity | $55,440,750 | 1,639 |
| Average total loans | $203,907,250 | 2,245 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5622% | 4,573 |
| Cost of funding earning assets | 0.2649% | 3,137 |
| Net interest margin | 2.2973% | 4,524 |
| Noninterest income to average assets | 0.6235% | 2,115 |
| Noninterest expense to average assets | 2.4909% | 2,176 |
| Loan and lease loss provision to assets | 0.0275% | 2,428 |
| Net operating income to assets | 0.2953% | 4,531 |
| Return on assets (ROA) | 0.3138% | 4,534 |
| Pretax return on assets | 0.3285% | 4,560 |
| Return on Equity (ROE) | 2.4620% | 4,549 |
| Retained earnings to average equity (ytd only) | -0.4391% | 4,560 |
| Net charge-offs to loans | 0.0603% | 1,013 |
| Credit loss provision to net charge-offs | 95.2381% | 1,412 |
| Earnings coverage of net charge-offs (x) | 11.6508% | 1,747 |
| Efficiency ratio | 88.0902% | 396 |
| Assets per employee ($millions) | 4.8409% | 3,793 |
| Cash dividends to net income (ytd only)* | 117.8363% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 3,229 |
| Loan loss allowance to noncurrent loans | 112.3752% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 1,835 |
| Noncurrent loans to loans | 1.0173% | 1,208 |
| Net loans and leases to total assets | 43.7267% | 4,057 |
| Net loans and leases to deposits | 52.0302% | 3,992 |
| Net loans and leases to core deposits | 53.0817% | 4,076 |
| Total domestic deposits to total assets | 84.0410% | 3,425 |
| Equity capital to assets | 12.3548% | 1,199 |
| Core capital (leverage) ratio | 11.6116% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $435,908,333 | 1,895 |
| Average earning assets | $418,238,667 | 1,850 |
| Average equity | $55,564,000 | 1,626 |
| Average total loans | $208,896,000 | 2,218 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5234% | 4,629 |
| Cost of funding earning assets | 0.2659% | 3,321 |
| Net interest margin | 2.2575% | 4,560 |
| Noninterest income to average assets | 0.6160% | 2,145 |
| Noninterest expense to average assets | 2.5187% | 2,126 |
| Loan and lease loss provision to assets | 0.0278% | 2,420 |
| Net operating income to assets | 0.2251% | 4,613 |
| Return on assets (ROA) | 0.2625% | 4,597 |
| Pretax return on assets | 0.2746% | 4,623 |
| Return on Equity (ROE) | 2.0274% | 4,596 |
| Retained earnings to average equity (ytd only) | -1.9845% | 4,536 |
| Net charge-offs to loans | -0.0093% | 3,643 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5302% | 358 |
| Assets per employee ($millions) | 5.0071% | 3,649 |
| Cash dividends to net income (ytd only)* | 197.8799% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,606 |
| Loan loss allowance to noncurrent loans | 207.8040% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 2,910 |
| Noncurrent loans to loans | 0.5114% | 2,327 |
| Net loans and leases to total assets | 47.3124% | 3,876 |
| Net loans and leases to deposits | 56.0250% | 3,788 |
| Net loans and leases to core deposits | 56.9784% | 3,911 |
| Total domestic deposits to total assets | 84.4487% | 3,299 |
| Equity capital to assets | 11.9623% | 1,308 |
| Core capital (leverage) ratio | 12.3108% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $431,179,500 | 1,894 |
| Average earning assets | $413,732,500 | 1,858 |
| Average equity | $55,834,000 | 1,611 |
| Average total loans | $214,846,000 | 2,178 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0958% | 4,572 |
| Cost of funding earning assets | 0.4258% | 3,427 |
| Net interest margin | 2.6700% | 4,416 |
| Noninterest income to average assets | 0.6992% | 1,865 |
| Noninterest expense to average assets | 2.7458% | 2,097 |
| Loan and lease loss provision to assets | 0.0640% | 3,577 |
| Net operating income to assets | 0.4325% | 4,176 |
| Return on assets (ROA) | 0.4365% | 4,253 |
| Pretax return on assets | 0.4571% | 4,339 |
| Return on Equity (ROE) | 3.1406% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.9750% | 3,831 |
| Net charge-offs to loans | 0.0527% | 2,035 |
| Credit loss provision to net charge-offs | 235.1351% | 1,992 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 2,000 |
| Efficiency ratio | 84.1583% | 616 |
| Assets per employee ($millions) | 4.4752% | 3,942 |
| Cash dividends to net income (ytd only)* | 37.1140% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,675 |
| Loan loss allowance to noncurrent loans | 180.9791% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 2,784 |
| Noncurrent loans to loans | 0.5817% | 2,246 |
| Net loans and leases to total assets | 51.4765% | 3,705 |
| Net loans and leases to deposits | 63.7794% | 3,457 |
| Net loans and leases to core deposits | 64.9600% | 3,634 |
| Total domestic deposits to total assets | 80.7102% | 3,924 |
| Equity capital to assets | 14.0292% | 789 |
| Core capital (leverage) ratio | 12.3767% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $408,044,200 | 1,836 |
| Average earning assets | $391,760,600 | 1,793 |
| Average equity | $56,709,800 | 1,509 |
| Average total loans | $210,535,000 | 2,161 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2155% | 4,573 |
| Cost of funding earning assets | 0.4639% | 3,452 |
| Net interest margin | 2.7516% | 4,398 |
| Noninterest income to average assets | 0.6678% | 1,915 |
| Noninterest expense to average assets | 2.7702% | 2,054 |
| Loan and lease loss provision to assets | 0.0577% | 3,631 |
| Net operating income to assets | 0.4594% | 4,147 |
| Return on assets (ROA) | 0.4647% | 4,200 |
| Pretax return on assets | 0.4873% | 4,303 |
| Return on Equity (ROE) | 3.3517% | 4,327 |
| Retained earnings to average equity (ytd only) | 1.7904% | 4,003 |
| Net charge-offs to loans | 0.0025% | 3,089 |
| Credit loss provision to net charge-offs | 4,400.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 411.7500% | 281 |
| Efficiency ratio | 83.7028% | 627 |
| Assets per employee ($millions) | 4.3246% | 4,022 |
| Cash dividends to net income (ytd only)* | 46.5821% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,438 |
| Loan loss allowance to noncurrent loans | 180.5071% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 2,993 |
| Noncurrent loans to loans | 0.5838% | 2,337 |
| Net loans and leases to total assets | 49.4559% | 4,121 |
| Net loans and leases to deposits | 59.3997% | 4,096 |
| Net loans and leases to core deposits | 60.6856% | 4,168 |
| Total domestic deposits to total assets | 83.2596% | 3,077 |
| Equity capital to assets | 13.2837% | 1,073 |
| Core capital (leverage) ratio | 12.5868% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,125,250 | 1,817 |
| Average earning assets | $390,889,750 | 1,774 |
| Average equity | $56,447,000 | 1,505 |
| Average total loans | $209,620,250 | 2,168 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3249% | 4,624 |
| Cost of funding earning assets | 0.5152% | 3,438 |
| Net interest margin | 2.8097% | 4,434 |
| Noninterest income to average assets | 0.6316% | 2,008 |
| Noninterest expense to average assets | 2.8223% | 2,042 |
| Loan and lease loss provision to assets | 0.0457% | 3,726 |
| Net operating income to assets | 0.4369% | 4,151 |
| Return on assets (ROA) | 0.4450% | 4,201 |
| Pretax return on assets | 0.4670% | 4,307 |
| Return on Equity (ROE) | 3.1614% | 4,311 |
| Retained earnings to average equity (ytd only) | 1.2368% | 4,031 |
| Net charge-offs to loans | 0.0029% | 2,889 |
| Credit loss provision to net charge-offs | 3,033.3333% | 352 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 302 |
| Efficiency ratio | 84.8439% | 592 |
| Assets per employee ($millions) | 3.8567% | 4,428 |
| Cash dividends to net income (ytd only)* | 60.8794% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,642 |
| Loan loss allowance to noncurrent loans | 164.9624% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,011 |
| Noncurrent loans to loans | 0.5979% | 2,356 |
| Net loans and leases to total assets | 53.8724% | 3,884 |
| Net loans and leases to deposits | 65.8273% | 3,740 |
| Net loans and leases to core deposits | 67.1458% | 3,914 |
| Total domestic deposits to total assets | 81.8391% | 3,414 |
| Equity capital to assets | 14.0228% | 848 |
| Core capital (leverage) ratio | 12.3731% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $398,679,667 | 1,818 |
| Average earning assets | $382,387,333 | 1,777 |
| Average equity | $56,113,667 | 1,499 |
| Average total loans | $207,441,667 | 2,164 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2911% | 4,818 |
| Cost of funding earning assets | 0.5655% | 3,613 |
| Net interest margin | 2.7256% | 4,645 |
| Noninterest income to average assets | 0.6047% | 2,021 |
| Noninterest expense to average assets | 2.8952% | 2,139 |
| Loan and lease loss provision to assets | 0.0254% | 3,477 |
| Net operating income to assets | 0.2822% | 4,380 |
| Return on assets (ROA) | 0.2988% | 4,371 |
| Pretax return on assets | 0.3120% | 4,435 |
| Return on Equity (ROE) | 2.1187% | 4,419 |
| Retained earnings to average equity (ytd only) | -0.7639% | 4,111 |
| Net charge-offs to loans | -0.0120% | 4,137 |
| Credit loss provision to net charge-offs | -416.6667% | 3,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0442% | 495 |
| Assets per employee ($millions) | 4.0721% | 3,823 |
| Cash dividends to net income (ytd only)* | 136.0544% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 3,421 |
| Loan loss allowance to noncurrent loans | 309.2619% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,822 |
| Noncurrent loans to loans | 0.3412% | 3,272 |
| Net loans and leases to total assets | 48.7205% | 4,305 |
| Net loans and leases to deposits | 59.0285% | 4,245 |
| Net loans and leases to core deposits | 60.1315% | 4,351 |
| Total domestic deposits to total assets | 82.5373% | 3,252 |
| Equity capital to assets | 13.7396% | 1,145 |
| Core capital (leverage) ratio | 13.2013% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,613,500 | 1,791 |
| Average earning assets | $377,019,500 | 1,756 |
| Average equity | $55,507,000 | 1,510 |
| Average total loans | $199,947,000 | 2,185 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 4,896 |
| Cost of funding earning assets | 0.6294% | 3,505 |
| Net interest margin | 2.8098% | 4,753 |
| Noninterest income to average assets | 0.6484% | 2,009 |
| Noninterest expense to average assets | 2.9338% | 2,189 |
| Loan and lease loss provision to assets | 0.0244% | 3,532 |
| Net operating income to assets | 0.3661% | 4,659 |
| Return on assets (ROA) | 0.3986% | 4,625 |
| Pretax return on assets | 0.4157% | 4,686 |
| Return on Equity (ROE) | 2.9385% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.7264% | 4,113 |
| Net charge-offs to loans | 0.0250% | 2,901 |
| Credit loss provision to net charge-offs | 186.2745% | 1,419 |
| Earnings coverage of net charge-offs (x) | 31.0588% | 1,546 |
| Efficiency ratio | 87.8369% | 448 |
| Assets per employee ($millions) | 3.7222% | 4,248 |
| Cash dividends to net income (ytd only)* | 41.2484% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,125 |
| Loan loss allowance to noncurrent loans | 304.7757% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 3,734 |
| Noncurrent loans to loans | 0.3501% | 3,194 |
| Net loans and leases to total assets | 51.9418% | 4,229 |
| Net loans and leases to deposits | 63.5649% | 4,102 |
| Net loans and leases to core deposits | 64.8638% | 4,245 |
| Total domestic deposits to total assets | 81.7146% | 3,585 |
| Equity capital to assets | 14.4983% | 937 |
| Core capital (leverage) ratio | 13.1466% | 1,177 |
| Tier 1 risk-based capital ratio | 23.0500% | 909 |
| Total risk-based capital ratio | 24.0139% | 921 |
| Memoranda: | ||
| Average total assets | $389,903,400 | 1,772 |
| Average earning assets | $373,520,600 | 1,736 |
| Average equity | $52,884,400 | 1,519 |
| Average total loans | $204,352,600 | 2,136 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4326% | 5,001 |
| Cost of funding earning assets | 0.6185% | 3,593 |
| Net interest margin | 2.8141% | 4,843 |
| Noninterest income to average assets | 0.6358% | 2,046 |
| Noninterest expense to average assets | 2.9188% | 2,200 |
| Loan and lease loss provision to assets | 0.0220% | 3,475 |
| Net operating income to assets | 0.3738% | 4,762 |
| Return on assets (ROA) | 0.3738% | 4,785 |
| Pretax return on assets | 0.3921% | 4,817 |
| Return on Equity (ROE) | 2.8023% | 4,798 |
| Retained earnings to average equity (ytd only) | 1.1738% | 4,521 |
| Net charge-offs to loans | 0.0304% | 2,465 |
| Credit loss provision to net charge-offs | 138.2979% | 1,738 |
| Earnings coverage of net charge-offs (x) | 25.9979% | 1,755 |
| Efficiency ratio | 87.5737% | 420 |
| Assets per employee ($millions) | 3.8623% | 4,083 |
| Cash dividends to net income (ytd only)* | 58.1145% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,372 |
| Loan loss allowance to noncurrent loans | 292.1348% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 3,857 |
| Noncurrent loans to loans | 0.3543% | 3,274 |
| Net loans and leases to total assets | 49.9902% | 4,428 |
| Net loans and leases to deposits | 60.3562% | 4,365 |
| Net loans and leases to core deposits | 61.5807% | 4,473 |
| Total domestic deposits to total assets | 82.8253% | 3,219 |
| Equity capital to assets | 13.6006% | 1,315 |
| Core capital (leverage) ratio | 13.1176% | 1,300 |
| Tier 1 risk-based capital ratio | 22.7440% | 979 |
| Total risk-based capital ratio | 23.6919% | 987 |
| Memoranda: | ||
| Average total assets | $393,394,250 | 1,774 |
| Average earning assets | $377,041,500 | 1,730 |
| Average equity | $52,479,250 | 1,531 |
| Average total loans | $206,096,750 | 2,139 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,032 |
| Cost of funding earning assets | 0.5917% | 3,691 |
| Net interest margin | 2.8748% | 4,847 |
| Noninterest income to average assets | 0.6221% | 2,056 |
| Noninterest expense to average assets | 2.9266% | 2,205 |
| Loan and lease loss provision to assets | 0.0179% | 3,432 |
| Net operating income to assets | 0.4108% | 4,716 |
| Return on assets (ROA) | 0.4108% | 4,737 |
| Pretax return on assets | 0.4322% | 4,786 |
| Return on Equity (ROE) | 3.0999% | 4,775 |
| Retained earnings to average equity (ytd only) | 1.0975% | 4,411 |
| Net charge-offs to loans | 0.0289% | 2,277 |
| Credit loss provision to net charge-offs | 116.6667% | 1,778 |
| Earnings coverage of net charge-offs (x) | 29.4000% | 1,484 |
| Efficiency ratio | 86.6707% | 510 |
| Assets per employee ($millions) | 3.8130% | 4,106 |
| Cash dividends to net income (ytd only)* | 64.5963% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 3,664 |
| Loan loss allowance to noncurrent loans | 307.1322% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 3,893 |
| Noncurrent loans to loans | 0.3237% | 3,374 |
| Net loans and leases to total assets | 52.9317% | 4,291 |
| Net loans and leases to deposits | 68.1476% | 3,962 |
| Net loans and leases to core deposits | 69.5567% | 4,132 |
| Total domestic deposits to total assets | 77.6721% | 4,454 |
| Equity capital to assets | 13.7463% | 1,222 |
| Core capital (leverage) ratio | 12.7147% | 1,433 |
| Tier 1 risk-based capital ratio | 22.0081% | 1,052 |
| Total risk-based capital ratio | 22.9229% | 1,073 |
| Memoranda: | ||
| Average total assets | $391,921,670 | 1,791 |
| Average earning assets | $375,545,000 | 1,739 |
| Average equity | $51,937,330 | 1,540 |
| Average total loans | $207,813,330 | 2,134 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3882% | 5,121 |
| Cost of funding earning assets | 0.5334% | 3,901 |
| Net interest margin | 2.8548% | 4,930 |
| Noninterest income to average assets | 0.5948% | 2,070 |
| Noninterest expense to average assets | 2.9261% | 2,195 |
| Loan and lease loss provision to assets | 0.0153% | 3,234 |
| Net operating income to assets | 0.3681% | 4,797 |
| Return on assets (ROA) | 0.3681% | 4,805 |
| Pretax return on assets | 0.3904% | 4,850 |
| Return on Equity (ROE) | 2.8295% | 4,826 |
| Retained earnings to average equity (ytd only) | 0.0156% | 4,527 |
| Net charge-offs to loans | 0.0616% | 1,425 |
| Credit loss provision to net charge-offs | 46.8750% | 1,995 |
| Earnings coverage of net charge-offs (x) | 12.4688% | 1,870 |
| Efficiency ratio | 87.8242% | 492 |
| Assets per employee ($millions) | 4.0953% | 3,791 |
| Cash dividends to net income (ytd only)* | 99.4475% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 3,884 |
| Loan loss allowance to noncurrent loans | 305.5306% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,989 |
| Noncurrent loans to loans | 0.3168% | 3,432 |
| Net loans and leases to total assets | 51.5820% | 4,369 |
| Net loans and leases to deposits | 61.7251% | 4,320 |
| Net loans and leases to core deposits | 62.8202% | 4,437 |
| Total domestic deposits to total assets | 83.5673% | 3,196 |
| Equity capital to assets | 12.7746% | 1,581 |
| Core capital (leverage) ratio | 12.9371% | 1,304 |
| Tier 1 risk-based capital ratio | 21.6750% | 1,086 |
| Total risk-based capital ratio | 22.5714% | 1,110 |
| Memoranda: | ||
| Average total assets | $393,419,500 | 1,792 |
| Average earning assets | $377,190,500 | 1,744 |
| Average equity | $51,174,500 | 1,545 |
| Average total loans | $207,754,000 | 2,150 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3473% | 5,049 |
| Cost of funding earning assets | 0.4270% | 3,818 |
| Net interest margin | 2.9203% | 4,889 |
| Noninterest income to average assets | 0.5958% | 2,316 |
| Noninterest expense to average assets | 2.9393% | 2,218 |
| Loan and lease loss provision to assets | 0.0153% | 3,843 |
| Net operating income to assets | 0.4208% | 4,828 |
| Return on assets (ROA) | 0.4208% | 4,821 |
| Pretax return on assets | 0.4406% | 4,888 |
| Return on Equity (ROE) | 3.3098% | 4,855 |
| Retained earnings to average equity (ytd only) | 1.7371% | 4,450 |
| Net charge-offs to loans | 0.0088% | 3,375 |
| Credit loss provision to net charge-offs | 333.3333% | 932 |
| Earnings coverage of net charge-offs (x) | 99.4444% | 741 |
| Efficiency ratio | 86.5716% | 497 |
| Assets per employee ($millions) | 3.7763% | 4,215 |
| Cash dividends to net income (ytd only)* | 47.5182% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,624 |
| Loan loss allowance to noncurrent loans | 316.2577% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 3,962 |
| Noncurrent loans to loans | 0.3191% | 3,405 |
| Net loans and leases to total assets | 53.0331% | 4,347 |
| Net loans and leases to deposits | 64.2614% | 4,243 |
| Net loans and leases to core deposits | 65.2210% | 4,392 |
| Total domestic deposits to total assets | 82.5272% | 3,472 |
| Equity capital to assets | 13.2553% | 1,232 |
| Core capital (leverage) ratio | 12.7324% | 1,359 |
| Tier 1 risk-based capital ratio | 22.2092% | 1,001 |
| Total risk-based capital ratio | 23.1353% | 1,028 |
| Memoranda: | ||
| Average total assets | $392,611,200 | 1,750 |
| Average earning assets | $376,365,000 | 1,695 |
| Average equity | $49,911,800 | 1,524 |
| Average total loans | $204,198,800 | 2,142 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2917% | 5,127 |
| Cost of funding earning assets | 0.4051% | 3,823 |
| Net interest margin | 2.8867% | 4,994 |
| Noninterest income to average assets | 0.5864% | 2,381 |
| Noninterest expense to average assets | 2.9147% | 2,263 |
| Loan and lease loss provision to assets | 0.0152% | 3,707 |
| Net operating income to assets | 0.4056% | 4,943 |
| Return on assets (ROA) | 0.4056% | 4,945 |
| Pretax return on assets | 0.4245% | 5,007 |
| Return on Equity (ROE) | 3.2240% | 4,974 |
| Retained earnings to average equity (ytd only) | 1.1202% | 4,826 |
| Net charge-offs to loans | 0.0052% | 3,250 |
| Credit loss provision to net charge-offs | 562.5000% | 632 |
| Earnings coverage of net charge-offs (x) | 162.9447% | 508 |
| Efficiency ratio | 86.8918% | 465 |
| Assets per employee ($millions) | 3.8201% | 4,151 |
| Cash dividends to net income (ytd only)* | 65.2535% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,779 |
| Loan loss allowance to noncurrent loans | 350.4259% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,220 |
| Noncurrent loans to loans | 0.2849% | 3,666 |
| Net loans and leases to total assets | 50.8459% | 4,536 |
| Net loans and leases to deposits | 61.0385% | 4,492 |
| Net loans and leases to core deposits | 61.8431% | 4,623 |
| Total domestic deposits to total assets | 83.3013% | 3,196 |
| Equity capital to assets | 12.1246% | 1,822 |
| Core capital (leverage) ratio | 12.7840% | 1,375 |
| Tier 1 risk-based capital ratio | 21.6239% | 1,101 |
| Total risk-based capital ratio | 22.5317% | 1,126 |
| Memoranda: | ||
| Average total assets | $395,411,750 | 1,737 |
| Average earning assets | $379,161,250 | 1,684 |
| Average equity | $49,750,500 | 1,532 |
| Average total loans | $204,164,750 | 2,152 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 5,146 |
| Cost of funding earning assets | 0.3891% | 3,813 |
| Net interest margin | 2.9000% | 5,013 |
| Noninterest income to average assets | 0.5860% | 2,401 |
| Noninterest expense to average assets | 2.9249% | 2,274 |
| Loan and lease loss provision to assets | 0.0152% | 3,575 |
| Net operating income to assets | 0.4071% | 4,945 |
| Return on assets (ROA) | 0.4071% | 4,950 |
| Pretax return on assets | 0.4264% | 5,019 |
| Return on Equity (ROE) | 3.1961% | 4,985 |
| Retained earnings to average equity (ytd only) | 0.7901% | 4,810 |
| Net charge-offs to loans | 0.0059% | 2,938 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 144.8333% | 533 |
| Efficiency ratio | 86.8810% | 527 |
| Assets per employee ($millions) | 3.6194% | 4,438 |
| Cash dividends to net income (ytd only)* | 75.2809% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 3,791 |
| Loan loss allowance to noncurrent loans | 326.1563% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,161 |
| Noncurrent loans to loans | 0.3089% | 3,602 |
| Net loans and leases to total assets | 52.8776% | 4,419 |
| Net loans and leases to deposits | 65.3485% | 4,203 |
| Net loans and leases to core deposits | 66.2457% | 4,357 |
| Total domestic deposits to total assets | 80.9163% | 4,018 |
| Equity capital to assets | 12.9488% | 1,322 |
| Core capital (leverage) ratio | 12.4270% | 1,475 |
| Tier 1 risk-based capital ratio | 21.8313% | 1,056 |
| Total risk-based capital ratio | 22.7466% | 1,079 |
| Memoranda: | ||
| Average total assets | $393,512,330 | 1,756 |
| Average earning assets | $377,305,670 | 1,697 |
| Average equity | $50,123,000 | 1,521 |
| Average total loans | $203,551,330 | 2,155 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1843% | 5,248 |
| Cost of funding earning assets | 0.3647% | 3,876 |
| Net interest margin | 2.8196% | 5,138 |
| Noninterest income to average assets | 0.5746% | 2,395 |
| Noninterest expense to average assets | 2.8792% | 2,448 |
| Loan and lease loss provision to assets | 0.0150% | 3,337 |
| Net operating income to assets | 0.3678% | 4,987 |
| Return on assets (ROA) | 0.3678% | 4,992 |
| Pretax return on assets | 0.3848% | 5,054 |
| Return on Equity (ROE) | 2.9103% | 5,036 |
| Retained earnings to average equity (ytd only) | 0.0633% | 4,796 |
| Net charge-offs to loans | 0.0098% | 2,397 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 703 |
| Efficiency ratio | 87.8086% | 545 |
| Assets per employee ($millions) | 3.9611% | 4,041 |
| Cash dividends to net income (ytd only)* | 97.8261% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 4,010 |
| Loan loss allowance to noncurrent loans | 5,075.0000% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,083 |
| Noncurrent loans to loans | 0.0195% | 4,902 |
| Net loans and leases to total assets | 49.6531% | 4,586 |
| Net loans and leases to deposits | 59.1854% | 4,527 |
| Net loans and leases to core deposits | 59.9482% | 4,658 |
| Total domestic deposits to total assets | 83.8941% | 3,371 |
| Equity capital to assets | 12.1857% | 1,671 |
| Core capital (leverage) ratio | 12.5234% | 1,380 |
| Tier 1 risk-based capital ratio | 21.4303% | 1,130 |
| Total risk-based capital ratio | 22.3256% | 1,165 |
| Memoranda: | ||
| Average total assets | $400,247,500 | 1,740 |
| Average earning assets | $383,882,500 | 1,680 |
| Average equity | $50,579,000 | 1,511 |
| Average total loans | $203,826,000 | 2,168 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1543% | 5,238 |
| Cost of funding earning assets | 0.3376% | 3,819 |
| Net interest margin | 2.8167% | 5,148 |
| Noninterest income to average assets | 0.5734% | 2,584 |
| Noninterest expense to average assets | 2.7323% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5180% | 4,333 |
| Return on assets (ROA) | 0.5180% | 4,370 |
| Pretax return on assets | 0.5423% | 4,859 |
| Return on Equity (ROE) | 4.1342% | 4,462 |
| Retained earnings to average equity (ytd only) | 2.8899% | 3,581 |
| Net charge-offs to loans | -0.0070% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2975% | 830 |
| Assets per employee ($millions) | 3.8481% | 4,207 |
| Cash dividends to net income (ytd only)* | 30.0985% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,978 |
| Loan loss allowance to noncurrent loans | 1,629.8387% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,983 |
| Noncurrent loans to loans | 0.0611% | 4,716 |
| Net loans and leases to total assets | 51.2150% | 4,576 |
| Net loans and leases to deposits | 61.8158% | 4,469 |
| Net loans and leases to core deposits | 62.7544% | 4,614 |
| Total domestic deposits to total assets | 82.8510% | 3,609 |
| Equity capital to assets | 13.1059% | 1,215 |
| Core capital (leverage) ratio | 12.1557% | 1,528 |
| Tier 1 risk-based capital ratio | 21.4775% | 1,072 |
| Total risk-based capital ratio | 22.3710% | 1,103 |
| Memoranda: | ||
| Average total assets | $411,743,000 | 1,659 |
| Average earning assets | $394,857,200 | 1,613 |
| Average equity | $51,593,600 | 1,486 |
| Average total loans | $199,133,600 | 2,164 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1159% | 5,319 |
| Cost of funding earning assets | 0.3300% | 3,844 |
| Net interest margin | 2.7859% | 5,242 |
| Noninterest income to average assets | 0.5563% | 2,691 |
| Noninterest expense to average assets | 2.7140% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4920% | 4,752 |
| Return on assets (ROA) | 0.4920% | 4,786 |
| Pretax return on assets | 0.5150% | 4,999 |
| Return on Equity (ROE) | 3.9690% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.3112% | 4,485 |
| Net charge-offs to loans | -0.0128% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8719% | 762 |
| Assets per employee ($millions) | 4.2060% | 3,629 |
| Cash dividends to net income (ytd only)* | 41.7698% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 4,105 |
| Loan loss allowance to noncurrent loans | 3,491.3793% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,190 |
| Noncurrent loans to loans | 0.0285% | 4,997 |
| Net loans and leases to total assets | 47.9874% | 4,826 |
| Net loans and leases to deposits | 57.4709% | 4,790 |
| Net loans and leases to core deposits | 58.3377% | 4,901 |
| Total domestic deposits to total assets | 83.4986% | 3,289 |
| Equity capital to assets | 12.4715% | 1,672 |
| Core capital (leverage) ratio | 11.9602% | 1,712 |
| Tier 1 risk-based capital ratio | 21.0248% | 1,192 |
| Total risk-based capital ratio | 21.9121% | 1,222 |
| Memoranda: | ||
| Average total assets | $416,553,250 | 1,658 |
| Average earning assets | $399,614,750 | 1,609 |
| Average equity | $51,631,750 | 1,497 |
| Average total loans | $198,156,750 | 2,178 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0932% | 5,352 |
| Cost of funding earning assets | 0.3289% | 3,808 |
| Net interest margin | 2.7643% | 5,296 |
| Noninterest income to average assets | 0.5376% | 2,780 |
| Noninterest expense to average assets | 2.7143% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4538% | 4,845 |
| Return on assets (ROA) | 0.4538% | 4,869 |
| Pretax return on assets | 0.4749% | 5,048 |
| Return on Equity (ROE) | 3.6684% | 4,927 |
| Retained earnings to average equity (ytd only) | 1.4019% | 4,690 |
| Net charge-offs to loans | 0.0061% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 164.3333% | 467 |
| Efficiency ratio | 84.8361% | 779 |
| Assets per employee ($millions) | 4.0392% | 3,891 |
| Cash dividends to net income (ytd only)* | 61.7834% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 4,169 |
| Loan loss allowance to noncurrent loans | 1,169.5906% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 5,082 |
| Noncurrent loans to loans | 0.0852% | 4,790 |
| Net loans and leases to total assets | 48.2235% | 4,809 |
| Net loans and leases to deposits | 58.0160% | 4,747 |
| Net loans and leases to core deposits | 58.9324% | 4,878 |
| Total domestic deposits to total assets | 83.1210% | 3,529 |
| Equity capital to assets | 12.6387% | 1,551 |
| Core capital (leverage) ratio | 11.5303% | 1,951 |
| Tier 1 risk-based capital ratio | 21.1538% | 1,160 |
| Total risk-based capital ratio | 22.0454% | 1,196 |
| Memoranda: | ||
| Average total assets | $415,204,330 | 1,666 |
| Average earning assets | $398,295,000 | 1,617 |
| Average equity | $51,357,330 | 1,507 |
| Average total loans | $196,255,670 | 2,200 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0434% | 5,416 |
| Cost of funding earning assets | 0.3201% | 3,851 |
| Net interest margin | 2.7233% | 5,361 |
| Noninterest income to average assets | 0.5269% | 2,786 |
| Noninterest expense to average assets | 2.7264% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3944% | 4,957 |
| Return on assets (ROA) | 0.3944% | 4,983 |
| Pretax return on assets | 0.4127% | 5,143 |
| Return on Equity (ROE) | 3.2235% | 5,040 |
| Retained earnings to average equity (ytd only) | 0.4000% | 4,830 |
| Net charge-offs to loans | 0.0103% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 623 |
| Efficiency ratio | 86.3039% | 785 |
| Assets per employee ($millions) | 4.3791% | 3,373 |
| Cash dividends to net income (ytd only)* | 87.5912% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0202% | 4,161 |
| Loan loss allowance to noncurrent loans | 292.1168% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 4,623 |
| Noncurrent loans to loans | 0.3493% | 3,845 |
| Net loans and leases to total assets | 44.7793% | 4,996 |
| Net loans and leases to deposits | 53.3076% | 4,977 |
| Net loans and leases to core deposits | 54.0215% | 5,064 |
| Total domestic deposits to total assets | 84.0017% | 3,480 |
| Equity capital to assets | 11.8385% | 1,949 |
| Core capital (leverage) ratio | 11.7618% | 1,780 |
| Tier 1 risk-based capital ratio | 21.1576% | 1,198 |
| Total risk-based capital ratio | 22.0557% | 1,223 |
| Memoranda: | ||
| Average total assets | $416,807,500 | 1,673 |
| Average earning assets | $399,815,000 | 1,624 |
| Average equity | $51,000,500 | 1,516 |
| Average total loans | $194,043,500 | 2,230 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 5,352 |
| Cost of funding earning assets | 0.3343% | 3,701 |
| Net interest margin | 2.8224% | 5,261 |
| Noninterest income to average assets | 0.5301% | 3,029 |
| Noninterest expense to average assets | 2.8081% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4046% | 4,924 |
| Return on assets (ROA) | 0.4046% | 5,010 |
| Pretax return on assets | 0.4238% | 5,176 |
| Return on Equity (ROE) | 2.9942% | 5,165 |
| Retained earnings to average equity (ytd only) | 1.7326% | 4,544 |
| Net charge-offs to loans | -0.0079% | 4,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0103% | 817 |
| Assets per employee ($millions) | 4.0009% | 3,965 |
| Cash dividends to net income (ytd only)* | 42.1352% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 4,041 |
| Loan loss allowance to noncurrent loans | 288.6331% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1737% | 4,621 |
| Noncurrent loans to loans | 0.3621% | 3,829 |
| Net loans and leases to total assets | 47.4769% | 4,932 |
| Net loans and leases to deposits | 57.7699% | 4,807 |
| Net loans and leases to core deposits | 58.3989% | 4,943 |
| Total domestic deposits to total assets | 82.1829% | 4,019 |
| Equity capital to assets | 12.6667% | 1,415 |
| Core capital (leverage) ratio | 12.1496% | 1,511 |
| Tier 1 risk-based capital ratio | 21.0425% | 1,199 |
| Total risk-based capital ratio | 21.9391% | 1,230 |
| Memoranda: | ||
| Average total assets | $391,266,800 | 1,716 |
| Average earning assets | $374,544,600 | 1,661 |
| Average equity | $52,868,600 | 1,454 |
| Average total loans | $189,873,200 | 2,209 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 5,408 |
| Cost of funding earning assets | 0.3344% | 3,725 |
| Net interest margin | 2.8348% | 5,296 |
| Noninterest income to average assets | 0.5428% | 2,954 |
| Noninterest expense to average assets | 2.8194% | 2,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4171% | 4,969 |
| Return on assets (ROA) | 0.4171% | 5,059 |
| Pretax return on assets | 0.4366% | 5,247 |
| Return on Equity (ROE) | 3.0377% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.3728% | 4,958 |
| Net charge-offs to loans | -0.0197% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7173% | 844 |
| Assets per employee ($millions) | 4.0791% | 3,825 |
| Cash dividends to net income (ytd only)* | 54.8067% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 4,219 |
| Loan loss allowance to noncurrent loans | 1,740.5172% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 5,379 |
| Noncurrent loans to loans | 0.0594% | 5,120 |
| Net loans and leases to total assets | 48.3776% | 4,938 |
| Net loans and leases to deposits | 59.1888% | 4,811 |
| Net loans and leases to core deposits | 59.8228% | 4,938 |
| Total domestic deposits to total assets | 81.7344% | 4,028 |
| Equity capital to assets | 13.5793% | 1,206 |
| Core capital (leverage) ratio | 12.6232% | 1,349 |
| Tier 1 risk-based capital ratio | 20.9351% | 1,283 |
| Total risk-based capital ratio | 21.8403% | 1,310 |
| Memoranda: | ||
| Average total assets | $389,061,750 | 1,723 |
| Average earning assets | $372,360,250 | 1,672 |
| Average equity | $53,416,250 | 1,445 |
| Average total loans | $189,352,750 | 2,217 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2013% | 5,427 |
| Cost of funding earning assets | 0.3394% | 3,694 |
| Net interest margin | 2.8619% | 5,327 |
| Noninterest income to average assets | 0.5385% | 2,965 |
| Noninterest expense to average assets | 2.8612% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3969% | 5,046 |
| Return on assets (ROA) | 0.3969% | 5,123 |
| Pretax return on assets | 0.4156% | 5,318 |
| Return on Equity (ROE) | 2.8799% | 5,272 |
| Retained earnings to average equity (ytd only) | 0.9788% | 4,996 |
| Net charge-offs to loans | -0.0011% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4471% | 843 |
| Assets per employee ($millions) | 3.8389% | 4,193 |
| Cash dividends to net income (ytd only)* | 66.0131% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 4,321 |
| Loan loss allowance to noncurrent loans | 664.0000% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 5,105 |
| Noncurrent loans to loans | 0.1558% | 4,812 |
| Net loans and leases to total assets | 50.6430% | 4,801 |
| Net loans and leases to deposits | 62.9480% | 4,577 |
| Net loans and leases to core deposits | 63.6776% | 4,768 |
| Total domestic deposits to total assets | 80.4521% | 4,430 |
| Equity capital to assets | 14.5669% | 855 |
| Core capital (leverage) ratio | 12.1191% | 1,551 |
| Tier 1 risk-based capital ratio | 21.5185% | 1,199 |
| Total risk-based capital ratio | 22.4425% | 1,223 |
| Memoranda: | ||
| Average total assets | $385,500,000 | 1,738 |
| Average earning assets | $368,846,670 | 1,693 |
| Average equity | $53,127,330 | 1,451 |
| Average total loans | $187,334,670 | 2,241 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1343% | 5,572 |
| Cost of funding earning assets | 0.3331% | 3,795 |
| Net interest margin | 2.8012% | 5,464 |
| Noninterest income to average assets | 0.5188% | 2,996 |
| Noninterest expense to average assets | 2.8174% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3650% | 5,093 |
| Return on assets (ROA) | 0.3650% | 5,174 |
| Pretax return on assets | 0.3824% | 5,344 |
| Return on Equity (ROE) | 2.7233% | 5,319 |
| Retained earnings to average equity (ytd only) | -0.1836% | 5,136 |
| Net charge-offs to loans | 0.0065% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 124.3333% | 461 |
| Efficiency ratio | 87.1516% | 879 |
| Assets per employee ($millions) | 4.1374% | 3,694 |
| Cash dividends to net income (ytd only)* | 106.7416% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 4,195 |
| Loan loss allowance to noncurrent loans | 1,840.7407% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 5,410 |
| Noncurrent loans to loans | 0.0584% | 5,246 |
| Net loans and leases to total assets | 45.0822% | 5,177 |
| Net loans and leases to deposits | 54.6597% | 5,066 |
| Net loans and leases to core deposits | 55.1893% | 5,178 |
| Total domestic deposits to total assets | 82.4780% | 4,076 |
| Equity capital to assets | 13.1414% | 1,344 |
| Core capital (leverage) ratio | 12.3793% | 1,390 |
| Tier 1 risk-based capital ratio | 21.6429% | 1,213 |
| Total risk-based capital ratio | 22.5764% | 1,235 |
| Memoranda: | ||
| Average total assets | $390,145,000 | 1,730 |
| Average earning assets | $373,417,000 | 1,667 |
| Average equity | $52,290,000 | 1,477 |
| Average total loans | $184,744,000 | 2,265 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 5,335 |
| Cost of funding earning assets | 0.3524% | 3,678 |
| Net interest margin | 2.9553% | 5,234 |
| Noninterest income to average assets | 0.6074% | 2,682 |
| Noninterest expense to average assets | 2.9023% | 2,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5021% | 4,686 |
| Return on assets (ROA) | 0.5021% | 4,779 |
| Pretax return on assets | 0.5258% | 5,052 |
| Return on Equity (ROE) | 3.6958% | 5,065 |
| Retained earnings to average equity (ytd only) | 2.3601% | 4,376 |
| Net charge-offs to loans | 0.0064% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 393 |
| Efficiency ratio | 83.8016% | 1,195 |
| Assets per employee ($millions) | 3.7861% | 4,311 |
| Cash dividends to net income (ytd only)* | 36.1420% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 4,162 |
| Loan loss allowance to noncurrent loans | 3,620.0000% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,512 |
| Noncurrent loans to loans | 0.0298% | 5,391 |
| Net loans and leases to total assets | 48.7471% | 4,960 |
| Net loans and leases to deposits | 59.6402% | 4,798 |
| Net loans and leases to core deposits | 60.2672% | 4,965 |
| Total domestic deposits to total assets | 81.7353% | 4,246 |
| Equity capital to assets | 13.6854% | 1,048 |
| Core capital (leverage) ratio | 12.4438% | 1,375 |
| Tier 1 risk-based capital ratio | 21.6043% | 1,205 |
| Total risk-based capital ratio | 22.5369% | 1,238 |
| Memoranda: | ||
| Average total assets | $375,841,800 | 1,749 |
| Average earning assets | $358,707,600 | 1,685 |
| Average equity | $51,058,000 | 1,455 |
| Average total loans | $188,634,400 | 2,167 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 5,397 |
| Cost of funding earning assets | 0.3538% | 3,716 |
| Net interest margin | 2.9521% | 5,299 |
| Noninterest income to average assets | 0.6211% | 2,631 |
| Noninterest expense to average assets | 2.9219% | 2,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4928% | 4,815 |
| Return on assets (ROA) | 0.4928% | 4,906 |
| Pretax return on assets | 0.5155% | 5,184 |
| Return on Equity (ROE) | 3.6340% | 5,167 |
| Retained earnings to average equity (ytd only) | 1.8510% | 4,952 |
| Net charge-offs to loans | 0.0112% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 90.8870% | 679 |
| Efficiency ratio | 84.1481% | 1,154 |
| Assets per employee ($millions) | 3.9138% | 4,052 |
| Cash dividends to net income (ytd only)* | 49.0646% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 4,593 |
| Loan loss allowance to noncurrent loans | 841.9492% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 5,308 |
| Noncurrent loans to loans | 0.1221% | 5,140 |
| Net loans and leases to total assets | 49.8549% | 4,944 |
| Net loans and leases to deposits | 60.4592% | 4,823 |
| Net loans and leases to core deposits | 61.0082% | 5,005 |
| Total domestic deposits to total assets | 82.4604% | 4,002 |
| Equity capital to assets | 13.6100% | 1,174 |
| Core capital (leverage) ratio | 12.6882% | 1,323 |
| Tier 1 risk-based capital ratio | 20.5635% | 1,425 |
| Total risk-based capital ratio | 21.4593% | 1,470 |
| Memoranda: | ||
| Average total assets | $376,096,750 | 1,757 |
| Average earning assets | $358,790,250 | 1,693 |
| Average equity | $50,998,500 | 1,463 |
| Average total loans | $189,616,500 | 2,178 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3381% | 5,365 |
| Cost of funding earning assets | 0.3581% | 3,724 |
| Net interest margin | 2.9801% | 5,270 |
| Noninterest income to average assets | 0.5963% | 2,764 |
| Noninterest expense to average assets | 2.9576% | 2,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4598% | 4,947 |
| Return on assets (ROA) | 0.4598% | 5,037 |
| Pretax return on assets | 0.4812% | 5,275 |
| Return on Equity (ROE) | 3.3954% | 5,271 |
| Retained earnings to average equity (ytd only) | 0.9763% | 5,177 |
| Net charge-offs to loans | 0.0170% | 3,371 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 56.1875% | 880 |
| Efficiency ratio | 85.1494% | 1,136 |
| Assets per employee ($millions) | 3.6657% | 4,507 |
| Cash dividends to net income (ytd only)* | 71.2456% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 4,627 |
| Loan loss allowance to noncurrent loans | 7,359.2593% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 5,618 |
| Noncurrent loans to loans | 0.0142% | 5,707 |
| Net loans and leases to total assets | 51.2716% | 4,819 |
| Net loans and leases to deposits | 63.4539% | 4,579 |
| Net loans and leases to core deposits | 64.0689% | 4,805 |
| Total domestic deposits to total assets | 80.8014% | 4,667 |
| Equity capital to assets | 13.6622% | 1,105 |
| Core capital (leverage) ratio | 12.2314% | 1,523 |
| Tier 1 risk-based capital ratio | 20.9438% | 1,378 |
| Total risk-based capital ratio | 21.8657% | 1,406 |
| Memoranda: | ||
| Average total assets | $373,610,670 | 1,782 |
| Average earning assets | $356,367,330 | 1,716 |
| Average equity | $50,597,330 | 1,476 |
| Average total loans | $188,419,330 | 2,199 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3098% | 5,423 |
| Cost of funding earning assets | 0.3513% | 3,845 |
| Net interest margin | 2.9585% | 5,326 |
| Noninterest income to average assets | 0.5749% | 2,804 |
| Noninterest expense to average assets | 2.9656% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4126% | 5,026 |
| Return on assets (ROA) | 0.4126% | 5,139 |
| Pretax return on assets | 0.4317% | 5,358 |
| Return on Equity (ROE) | 3.0597% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.2281% | 5,290 |
| Net charge-offs to loans | 0.0021% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 407.0000% | 133 |
| Efficiency ratio | 86.4190% | 1,143 |
| Assets per employee ($millions) | 3.8487% | 4,252 |
| Cash dividends to net income (ytd only)* | 92.5450% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 4,671 |
| Loan loss allowance to noncurrent loans | 1,343.6242% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 5,654 |
| Noncurrent loans to loans | 0.0795% | 5,462 |
| Net loans and leases to total assets | 48.1992% | 5,009 |
| Net loans and leases to deposits | 58.3784% | 4,886 |
| Net loans and leases to core deposits | 58.9520% | 5,067 |
| Total domestic deposits to total assets | 82.5634% | 4,317 |
| Equity capital to assets | 13.4491% | 1,192 |
| Core capital (leverage) ratio | 12.3861% | 1,406 |
| Tier 1 risk-based capital ratio | 20.8857% | 1,448 |
| Total risk-based capital ratio | 21.8168% | 1,481 |
| Memoranda: | ||
| Average total assets | $377,129,500 | 1,769 |
| Average earning assets | $359,778,500 | 1,704 |
| Average equity | $50,855,000 | 1,479 |
| Average total loans | $187,661,500 | 2,205 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 5,462 |
| Cost of funding earning assets | 0.3861% | 3,839 |
| Net interest margin | 3.0456% | 5,333 |
| Noninterest income to average assets | 0.6877% | 2,356 |
| Noninterest expense to average assets | 2.9550% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6063% | 4,340 |
| Return on assets (ROA) | 0.5485% | 4,692 |
| Pretax return on assets | 0.5744% | 5,021 |
| Return on Equity (ROE) | 4.4763% | 4,902 |
| Retained earnings to average equity (ytd only) | 2.9958% | 4,105 |
| Net charge-offs to loans | 0.0087% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 149.0625% | 360 |
| Efficiency ratio | 81.5015% | 1,715 |
| Assets per employee ($millions) | 3.8081% | 4,329 |
| Cash dividends to net income (ytd only)* | 33.0747% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 4,723 |
| Loan loss allowance to noncurrent loans | 1,371.9178% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,641 |
| Noncurrent loans to loans | 0.0777% | 5,574 |
| Net loans and leases to total assets | 50.3031% | 4,941 |
| Net loans and leases to deposits | 62.3275% | 4,698 |
| Net loans and leases to core deposits | 63.1565% | 4,904 |
| Total domestic deposits to total assets | 80.7077% | 4,825 |
| Equity capital to assets | 13.5219% | 1,154 |
| Core capital (leverage) ratio | 12.2272% | 1,488 |
| Tier 1 risk-based capital ratio | 20.9206% | 1,423 |
| Total risk-based capital ratio | 21.8575% | 1,461 |
| Memoranda: | ||
| Average total assets | $375,902,600 | 1,737 |
| Average earning assets | $358,161,800 | 1,672 |
| Average equity | $46,064,800 | 1,559 |
| Average total loans | $184,120,600 | 2,182 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4428% | 5,512 |
| Cost of funding earning assets | 0.3885% | 3,919 |
| Net interest margin | 3.0543% | 5,374 |
| Noninterest income to average assets | 0.6699% | 2,474 |
| Noninterest expense to average assets | 2.9563% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5964% | 4,457 |
| Return on assets (ROA) | 0.5527% | 4,741 |
| Pretax return on assets | 0.5778% | 5,095 |
| Return on Equity (ROE) | 4.6272% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.6108% | 4,729 |
| Net charge-offs to loans | 0.0189% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 67.8763% | 793 |
| Efficiency ratio | 81.7680% | 1,649 |
| Assets per employee ($millions) | 3.7880% | 4,314 |
| Cash dividends to net income (ytd only)* | 43.5783% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 4,904 |
| Loan loss allowance to noncurrent loans | 962.8019% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 5,677 |
| Noncurrent loans to loans | 0.1108% | 5,597 |
| Net loans and leases to total assets | 49.2982% | 5,078 |
| Net loans and leases to deposits | 60.0401% | 4,935 |
| Net loans and leases to core deposits | 60.8646% | 5,130 |
| Total domestic deposits to total assets | 82.1087% | 4,447 |
| Equity capital to assets | 12.7481% | 1,558 |
| Core capital (leverage) ratio | 12.1862% | 1,584 |
| Tier 1 risk-based capital ratio | 20.4416% | 1,566 |
| Total risk-based capital ratio | 21.3633% | 1,610 |
| Memoranda: | ||
| Average total assets | $377,532,000 | 1,748 |
| Average earning assets | $359,656,750 | 1,688 |
| Average equity | $45,094,000 | 1,603 |
| Average total loans | $183,197,000 | 2,204 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 5,533 |
| Cost of funding earning assets | 0.3905% | 3,989 |
| Net interest margin | 3.0543% | 5,384 |
| Noninterest income to average assets | 0.6549% | 2,514 |
| Noninterest expense to average assets | 2.9299% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6084% | 4,322 |
| Return on assets (ROA) | 0.6089% | 4,408 |
| Pretax return on assets | 0.6364% | 4,829 |
| Return on Equity (ROE) | 5.2139% | 4,577 |
| Retained earnings to average equity (ytd only) | 2.7020% | 4,484 |
| Net charge-offs to loans | 0.0297% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 44.5556% | 978 |
| Efficiency ratio | 81.3519% | 1,830 |
| Assets per employee ($millions) | 3.7210% | 4,413 |
| Cash dividends to net income (ytd only)* | 48.1771% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 4,940 |
| Loan loss allowance to noncurrent loans | 2,263.6364% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 5,688 |
| Noncurrent loans to loans | 0.0483% | 5,906 |
| Net loans and leases to total assets | 48.4016% | 5,140 |
| Net loans and leases to deposits | 61.3154% | 4,751 |
| Net loans and leases to core deposits | 62.1982% | 4,957 |
| Total domestic deposits to total assets | 78.9388% | 5,470 |
| Equity capital to assets | 12.6996% | 1,543 |
| Core capital (leverage) ratio | 11.6880% | 1,861 |
| Tier 1 risk-based capital ratio | 20.8638% | 1,472 |
| Total risk-based capital ratio | 21.8107% | 1,526 |
| Memoranda: | ||
| Average total assets | $378,371,330 | 1,738 |
| Average earning assets | $360,604,000 | 1,674 |
| Average equity | $44,189,670 | 1,615 |
| Average total loans | $181,973,330 | 2,208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 5,622 |
| Cost of funding earning assets | 0.3871% | 4,122 |
| Net interest margin | 3.0252% | 5,462 |
| Noninterest income to average assets | 0.5672% | 2,937 |
| Noninterest expense to average assets | 2.9231% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5054% | 4,666 |
| Return on assets (ROA) | 0.5054% | 4,751 |
| Pretax return on assets | 0.5284% | 5,083 |
| Return on Equity (ROE) | 4.5198% | 4,776 |
| Retained earnings to average equity (ytd only) | 0.3001% | 5,452 |
| Net charge-offs to loans | 0.0550% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.1600% | 1,345 |
| Efficiency ratio | 83.8396% | 1,691 |
| Assets per employee ($millions) | 4.0874% | 3,742 |
| Cash dividends to net income (ytd only)* | 93.3610% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,126 |
| Loan loss allowance to noncurrent loans | 4,747.6190% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 5,634 |
| Noncurrent loans to loans | 0.0231% | 6,093 |
| Net loans and leases to total assets | 45.7512% | 5,355 |
| Net loans and leases to deposits | 54.7449% | 5,213 |
| Net loans and leases to core deposits | 55.5344% | 5,384 |
| Total domestic deposits to total assets | 83.5716% | 4,432 |
| Equity capital to assets | 11.2698% | 2,462 |
| Core capital (leverage) ratio | 11.6479% | 1,866 |
| Tier 1 risk-based capital ratio | 20.3833% | 1,623 |
| Total risk-based capital ratio | 21.3221% | 1,669 |
| Memoranda: | ||
| Average total assets | $381,508,500 | 1,734 |
| Average earning assets | $363,746,000 | 1,676 |
| Average equity | $42,657,000 | 1,672 |
| Average total loans | $181,913,500 | 2,215 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 5,599 |
| Cost of funding earning assets | 0.5044% | 3,564 |
| Net interest margin | 3.0172% | 5,538 |
| Noninterest income to average assets | 0.6356% | 2,883 |
| Noninterest expense to average assets | 2.8946% | 3,387 |
| Loan and lease loss provision to assets | 0.0066% | 4,991 |
| Net operating income to assets | 0.5809% | 4,353 |
| Return on assets (ROA) | 0.5789% | 4,476 |
| Pretax return on assets | 0.6056% | 4,863 |
| Return on Equity (ROE) | 4.7657% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.3343% | 3,862 |
| Net charge-offs to loans | 0.0319% | 4,793 |
| Credit loss provision to net charge-offs | 44.6429% | 3,946 |
| Earnings coverage of net charge-offs (x) | 41.7679% | 916 |
| Efficiency ratio | 81.6617% | 1,923 |
| Assets per employee ($millions) | 3.7062% | 4,464 |
| Cash dividends to net income (ytd only)* | 30.0363% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,112 |
| Loan loss allowance to noncurrent loans | 575.2137% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 5,437 |
| Noncurrent loans to loans | 0.1925% | 5,616 |
| Net loans and leases to total assets | 48.6448% | 5,227 |
| Net loans and leases to deposits | 59.3700% | 4,994 |
| Net loans and leases to core deposits | 60.2949% | 5,201 |
| Total domestic deposits to total assets | 81.9350% | 4,898 |
| Equity capital to assets | 11.0873% | 2,534 |
| Core capital (leverage) ratio | 11.5578% | 1,915 |
| Tier 1 risk-based capital ratio | 20.3881% | 1,564 |
| Total risk-based capital ratio | 21.3401% | 1,606 |
| Memoranda: | ||
| Average total assets | $380,748,600 | 1,725 |
| Average earning assets | $362,583,600 | 1,661 |
| Average equity | $46,247,000 | 1,513 |
| Average total loans | $175,623,600 | 2,246 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 5,666 |
| Cost of funding earning assets | 0.5243% | 3,526 |
| Net interest margin | 2.9851% | 5,630 |
| Noninterest income to average assets | 0.6349% | 2,955 |
| Noninterest expense to average assets | 2.8821% | 3,366 |
| Loan and lease loss provision to assets | 0.0087% | 4,807 |
| Net operating income to assets | 0.5603% | 4,527 |
| Return on assets (ROA) | 0.5576% | 4,694 |
| Pretax return on assets | 0.5837% | 5,082 |
| Return on Equity (ROE) | 4.4962% | 4,984 |
| Retained earnings to average equity (ytd only) | 2.6394% | 4,747 |
| Net charge-offs to loans | 0.0299% | 4,535 |
| Credit loss provision to net charge-offs | 64.1026% | 3,200 |
| Earnings coverage of net charge-offs (x) | 43.8708% | 947 |
| Efficiency ratio | 82.0528% | 1,817 |
| Assets per employee ($millions) | 3.6675% | 4,516 |
| Cash dividends to net income (ytd only)* | 41.2973% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,150 |
| Loan loss allowance to noncurrent loans | 716.9014% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 5,776 |
| Noncurrent loans to loans | 0.1594% | 5,837 |
| Net loans and leases to total assets | 46.6155% | 5,482 |
| Net loans and leases to deposits | 56.8247% | 5,298 |
| Net loans and leases to core deposits | 57.7494% | 5,470 |
| Total domestic deposits to total assets | 82.0339% | 4,919 |
| Equity capital to assets | 11.2818% | 2,485 |
| Core capital (leverage) ratio | 11.5453% | 2,002 |
| Tier 1 risk-based capital ratio | 20.3315% | 1,645 |
| Total risk-based capital ratio | 21.3031% | 1,696 |
| Memoranda: | ||
| Average total assets | $383,280,000 | 1,722 |
| Average earning assets | $364,957,250 | 1,659 |
| Average equity | $47,535,750 | 1,488 |
| Average total loans | $173,952,500 | 2,265 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 5,680 |
| Cost of funding earning assets | 0.5334% | 3,572 |
| Net interest margin | 2.9735% | 5,635 |
| Noninterest income to average assets | 0.6351% | 2,990 |
| Noninterest expense to average assets | 2.8687% | 3,442 |
| Loan and lease loss provision to assets | 0.0130% | 4,623 |
| Net operating income to assets | 0.5588% | 4,506 |
| Return on assets (ROA) | 0.5588% | 4,678 |
| Pretax return on assets | 0.5847% | 5,079 |
| Return on Equity (ROE) | 4.3762% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.2206% | 4,857 |
| Net charge-offs to loans | 0.0046% | 4,813 |
| Credit loss provision to net charge-offs | 625.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 287.7500% | 176 |
| Efficiency ratio | 81.9176% | 1,895 |
| Assets per employee ($millions) | 3.7308% | 4,347 |
| Cash dividends to net income (ytd only)* | 49.2565% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1988% | 4,999 |
| Loan loss allowance to noncurrent loans | 298.8456% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 5,682 |
| Noncurrent loans to loans | 0.4012% | 5,264 |
| Net loans and leases to total assets | 45.7485% | 5,561 |
| Net loans and leases to deposits | 56.7157% | 5,273 |
| Net loans and leases to core deposits | 57.4777% | 5,467 |
| Total domestic deposits to total assets | 80.6629% | 5,435 |
| Equity capital to assets | 11.5653% | 2,244 |
| Core capital (leverage) ratio | 10.9430% | 2,415 |
| Tier 1 risk-based capital ratio | 20.3101% | 1,649 |
| Total risk-based capital ratio | 21.3071% | 1,675 |
| Memoranda: | ||
| Average total assets | $385,123,330 | 1,716 |
| Average earning assets | $366,710,670 | 1,650 |
| Average equity | $49,175,330 | 1,453 |
| Average total loans | $172,561,330 | 2,283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4253% | 5,884 |
| Cost of funding earning assets | 0.5180% | 3,899 |
| Net interest margin | 2.9072% | 5,797 |
| Noninterest income to average assets | 0.5584% | 3,376 |
| Noninterest expense to average assets | 2.8184% | 3,634 |
| Loan and lease loss provision to assets | 0.0256% | 4,148 |
| Net operating income to assets | 0.4602% | 4,870 |
| Return on assets (ROA) | 0.4602% | 5,032 |
| Pretax return on assets | 0.4806% | 5,319 |
| Return on Equity (ROE) | 3.4490% | 5,370 |
| Retained earnings to average equity (ytd only) | -0.0766% | 5,788 |
| Net charge-offs to loans | 0.0046% | 4,075 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 247.5000% | 155 |
| Efficiency ratio | 83.9126% | 1,780 |
| Assets per employee ($millions) | 4.0409% | 3,862 |
| Cash dividends to net income (ytd only)* | 102.2222% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 5,120 |
| Loan loss allowance to noncurrent loans | 295.7204% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 5,569 |
| Noncurrent loans to loans | 0.4100% | 5,389 |
| Net loans and leases to total assets | 41.7937% | 5,858 |
| Net loans and leases to deposits | 51.4263% | 5,672 |
| Net loans and leases to core deposits | 52.3126% | 5,797 |
| Total domestic deposits to total assets | 81.2691% | 5,427 |
| Equity capital to assets | 12.7356% | 1,568 |
| Core capital (leverage) ratio | 11.3935% | 1,951 |
| Tier 1 risk-based capital ratio | 20.3590% | 1,684 |
| Total risk-based capital ratio | 21.3735% | 1,708 |
| Memoranda: | ||
| Average total assets | $391,144,500 | 1,707 |
| Average earning assets | $372,176,500 | 1,647 |
| Average equity | $52,189,000 | 1,397 |
| Average total loans | $172,467,000 | 2,298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 5,698 |
| Cost of funding earning assets | 0.6460% | 3,947 |
| Net interest margin | 3.2087% | 5,546 |
| Noninterest income to average assets | 0.6819% | 2,825 |
| Noninterest expense to average assets | 2.8660% | 3,782 |
| Loan and lease loss provision to assets | 0.0879% | 4,597 |
| Net operating income to assets | 0.7466% | 3,527 |
| Return on assets (ROA) | 0.7627% | 3,699 |
| Pretax return on assets | 0.7978% | 4,304 |
| Return on Equity (ROE) | 5.6869% | 4,321 |
| Retained earnings to average equity (ytd only) | 4.0593% | 3,360 |
| Net charge-offs to loans | 0.0260% | 5,532 |
| Credit loss provision to net charge-offs | 712.7660% | 345 |
| Earnings coverage of net charge-offs (x) | 70.4681% | 522 |
| Efficiency ratio | 75.9553% | 2,752 |
| Assets per employee ($millions) | 3.7446% | 4,481 |
| Cash dividends to net income (ytd only)* | 28.6206% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1783% | 5,221 |
| Loan loss allowance to noncurrent loans | 268.3246% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 5,283 |
| Noncurrent loans to loans | 0.4391% | 5,400 |
| Net loans and leases to total assets | 45.4593% | 5,673 |
| Net loans and leases to deposits | 56.8156% | 5,360 |
| Net loans and leases to core deposits | 57.8230% | 5,563 |
| Total domestic deposits to total assets | 80.0120% | 5,661 |
| Equity capital to assets | 13.9912% | 1,047 |
| Core capital (leverage) ratio | 11.3572% | 1,971 |
| Tier 1 risk-based capital ratio | 19.8369% | 1,722 |
| Total risk-based capital ratio | 20.8149% | 1,764 |
| Memoranda: | ||
| Average total assets | $381,152,800 | 1,707 |
| Average earning assets | $362,673,800 | 1,650 |
| Average equity | $51,117,800 | 1,387 |
| Average total loans | $180,897,000 | 2,187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 5,757 |
| Cost of funding earning assets | 0.6715% | 4,005 |
| Net interest margin | 3.2409% | 5,579 |
| Noninterest income to average assets | 0.6504% | 2,992 |
| Noninterest expense to average assets | 2.8576% | 3,761 |
| Loan and lease loss provision to assets | 0.1117% | 4,169 |
| Net operating income to assets | 0.7330% | 3,761 |
| Return on assets (ROA) | 0.7545% | 3,922 |
| Pretax return on assets | 0.7887% | 4,536 |
| Return on Equity (ROE) | 5.6865% | 4,492 |
| Retained earnings to average equity (ytd only) | 3.4972% | 4,408 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7196% | 2,718 |
| Assets per employee ($millions) | 3.8231% | 4,247 |
| Cash dividends to net income (ytd only)* | 38.5009% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 5,544 |
| Loan loss allowance to noncurrent loans | 174.6644% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 5,282 |
| Noncurrent loans to loans | 0.6544% | 5,140 |
| Net loans and leases to total assets | 46.6360% | 5,695 |
| Net loans and leases to deposits | 57.1260% | 5,518 |
| Net loans and leases to core deposits | 58.1140% | 5,726 |
| Total domestic deposits to total assets | 81.6370% | 5,152 |
| Equity capital to assets | 13.6882% | 1,275 |
| Core capital (leverage) ratio | 11.4600% | 2,014 |
| Tier 1 risk-based capital ratio | 18.9616% | 2,023 |
| Total risk-based capital ratio | 19.9290% | 2,076 |
| Memoranda: | ||
| Average total assets | $381,890,500 | 1,724 |
| Average earning assets | $363,553,250 | 1,664 |
| Average equity | $50,668,500 | 1,409 |
| Average total loans | $182,626,750 | 2,193 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9818% | 5,705 |
| Cost of funding earning assets | 0.6991% | 4,022 |
| Net interest margin | 3.2827% | 5,492 |
| Noninterest income to average assets | 0.6371% | 3,022 |
| Noninterest expense to average assets | 2.8459% | 3,845 |
| Loan and lease loss provision to assets | 0.1446% | 3,712 |
| Net operating income to assets | 0.7383% | 3,658 |
| Return on assets (ROA) | 0.7706% | 3,785 |
| Pretax return on assets | 0.8053% | 4,459 |
| Return on Equity (ROE) | 5.8710% | 4,380 |
| Retained earnings to average equity (ytd only) | 2.8194% | 4,748 |
| Net charge-offs to loans | -0.0066% | 6,213 |
| Credit loss provision to net charge-offs | -4,583.3333% | 6,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8638% | 2,925 |
| Assets per employee ($millions) | 3.7928% | 4,330 |
| Cash dividends to net income (ytd only)* | 51.9782% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 5,824 |
| Loan loss allowance to noncurrent loans | 160.9929% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 5,377 |
| Noncurrent loans to loans | 0.6764% | 5,150 |
| Net loans and leases to total assets | 49.4226% | 5,433 |
| Net loans and leases to deposits | 60.0660% | 5,231 |
| Net loans and leases to core deposits | 60.8185% | 5,506 |
| Total domestic deposits to total assets | 82.2806% | 5,022 |
| Equity capital to assets | 13.7574% | 1,190 |
| Core capital (leverage) ratio | 10.6904% | 2,609 |
| Tier 1 risk-based capital ratio | 18.3033% | 2,195 |
| Total risk-based capital ratio | 19.2345% | 2,267 |
| Memoranda: | ||
| Average total assets | $380,477,670 | 1,734 |
| Average earning assets | $362,201,000 | 1,668 |
| Average equity | $49,940,000 | 1,422 |
| Average total loans | $182,783,330 | 2,186 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 5,921 |
| Cost of funding earning assets | 0.7035% | 4,248 |
| Net interest margin | 3.2387% | 5,671 |
| Noninterest income to average assets | 0.6371% | 3,009 |
| Noninterest expense to average assets | 2.8044% | 4,008 |
| Loan and lease loss provision to assets | 0.1567% | 3,421 |
| Net operating income to assets | 0.7265% | 3,753 |
| Return on assets (ROA) | 0.7907% | 3,664 |
| Pretax return on assets | 0.8251% | 4,319 |
| Return on Equity (ROE) | 6.1694% | 4,203 |
| Retained earnings to average equity (ytd only) | 1.5077% | 5,482 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6139% | 3,002 |
| Assets per employee ($millions) | 4.0863% | 3,829 |
| Cash dividends to net income (ytd only)* | 75.5614% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 6,087 |
| Loan loss allowance to noncurrent loans | 146.9639% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 5,425 |
| Noncurrent loans to loans | 0.7126% | 5,238 |
| Net loans and leases to total assets | 45.5802% | 5,836 |
| Net loans and leases to deposits | 54.5921% | 5,750 |
| Net loans and leases to core deposits | 55.3980% | 5,958 |
| Total domestic deposits to total assets | 83.4923% | 4,716 |
| Equity capital to assets | 12.4549% | 1,749 |
| Core capital (leverage) ratio | 10.9263% | 2,319 |
| Tier 1 risk-based capital ratio | 18.5993% | 2,113 |
| Total risk-based capital ratio | 19.4971% | 2,188 |
| Memoranda: | ||
| Average total assets | $382,970,500 | 1,730 |
| Average earning assets | $364,465,500 | 1,666 |
| Average equity | $49,081,000 | 1,438 |
| Average total loans | $180,364,500 | 2,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 6,090 |
| Cost of funding earning assets | 0.7915% | 4,925 |
| Net interest margin | 3.3964% | 5,490 |
| Noninterest income to average assets | 0.6806% | 2,720 |
| Noninterest expense to average assets | 3.0907% | 3,231 |
| Loan and lease loss provision to assets | 0.1857% | 4,335 |
| Net operating income to assets | 0.5957% | 4,017 |
| Return on assets (ROA) | 0.6569% | 3,900 |
| Pretax return on assets | 0.6872% | 4,379 |
| Return on Equity (ROE) | 5.3041% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,297 |
| Net charge-offs to loans | 0.3014% | 3,892 |
| Credit loss provision to net charge-offs | 123.6264% | 2,545 |
| Earnings coverage of net charge-offs (x) | 5.3864% | 2,811 |
| Efficiency ratio | 78.4707% | 2,530 |
| Assets per employee ($millions) | 3.7331% | 4,480 |
| Cash dividends to net income (ytd only)* | 23.3250% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 6,273 |
| Loan loss allowance to noncurrent loans | 75.2348% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 5,033 |
| Noncurrent loans to loans | 1.3146% | 4,177 |
| Net loans and leases to total assets | 47.7279% | 5,857 |
| Net loans and leases to deposits | 58.4235% | 5,658 |
| Net loans and leases to core deposits | 59.3694% | 5,897 |
| Total domestic deposits to total assets | 81.6930% | 5,237 |
| Equity capital to assets | 13.2030% | 1,395 |
| Core capital (leverage) ratio | 11.0176% | 2,257 |
| Tier 1 risk-based capital ratio | 18.9870% | 1,895 |
| Total risk-based capital ratio | 19.8361% | 1,987 |
| Memoranda: | ||
| Average total assets | $363,510,600 | 1,787 |
| Average earning assets | $344,544,600 | 1,728 |
| Average equity | $45,021,800 | 1,513 |
| Average total loans | $181,132,200 | 2,230 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 6,141 |
| Cost of funding earning assets | 0.8027% | 5,130 |
| Net interest margin | 3.4261% | 5,486 |
| Noninterest income to average assets | 0.6711% | 2,766 |
| Noninterest expense to average assets | 3.1189% | 3,092 |
| Loan and lease loss provision to assets | 0.1289% | 4,819 |
| Net operating income to assets | 0.6387% | 3,928 |
| Return on assets (ROA) | 0.6387% | 4,112 |
| Pretax return on assets | 0.6678% | 4,583 |
| Return on Equity (ROE) | 5.2451% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.5602% | 4,210 |
| Net charge-offs to loans | 0.0850% | 5,121 |
| Credit loss provision to net charge-offs | 301.7241% | 941 |
| Earnings coverage of net charge-offs (x) | 18.6469% | 1,296 |
| Efficiency ratio | 78.8731% | 2,419 |
| Assets per employee ($millions) | 3.6646% | 4,607 |
| Cash dividends to net income (ytd only)* | 32.1224% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,176 |
| Loan loss allowance to noncurrent loans | 67.3521% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 4,917 |
| Noncurrent loans to loans | 1.5116% | 4,022 |
| Net loans and leases to total assets | 48.5620% | 5,884 |
| Net loans and leases to deposits | 58.9057% | 5,757 |
| Net loans and leases to core deposits | 59.6419% | 6,016 |
| Total domestic deposits to total assets | 82.4403% | 4,901 |
| Equity capital to assets | 13.1048% | 1,560 |
| Core capital (leverage) ratio | 11.1929% | 2,238 |
| Tier 1 risk-based capital ratio | 18.3922% | 2,122 |
| Total risk-based capital ratio | 19.2792% | 2,202 |
| Memoranda: | ||
| Average total assets | $361,994,750 | 1,806 |
| Average earning assets | $342,815,250 | 1,739 |
| Average equity | $44,078,500 | 1,541 |
| Average total loans | $181,877,250 | 2,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 6,193 |
| Cost of funding earning assets | 0.8230% | 5,227 |
| Net interest margin | 3.4177% | 5,492 |
| Noninterest income to average assets | 0.6714% | 2,704 |
| Noninterest expense to average assets | 3.1503% | 3,079 |
| Loan and lease loss provision to assets | 0.1396% | 4,557 |
| Net operating income to assets | 0.5887% | 4,114 |
| Return on assets (ROA) | 0.5887% | 4,247 |
| Pretax return on assets | 0.6150% | 4,697 |
| Return on Equity (ROE) | 4.9666% | 4,464 |
| Retained earnings to average equity (ytd only) | 2.4362% | 4,736 |
| Net charge-offs to loans | 0.0474% | 5,184 |
| Credit loss provision to net charge-offs | 581.3953% | 535 |
| Earnings coverage of net charge-offs (x) | 31.4186% | 887 |
| Efficiency ratio | 79.8741% | 2,405 |
| Assets per employee ($millions) | 3.3945% | 5,213 |
| Cash dividends to net income (ytd only)* | 50.9488% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,288 |
| Loan loss allowance to noncurrent loans | 87.5773% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 5,383 |
| Noncurrent loans to loans | 1.1521% | 4,737 |
| Net loans and leases to total assets | 51.1359% | 5,675 |
| Net loans and leases to deposits | 61.8037% | 5,523 |
| Net loans and leases to core deposits | 62.6621% | 5,839 |
| Total domestic deposits to total assets | 82.7391% | 4,887 |
| Equity capital to assets | 12.8009% | 1,624 |
| Core capital (leverage) ratio | 10.6956% | 2,522 |
| Tier 1 risk-based capital ratio | 18.0268% | 2,163 |
| Total risk-based capital ratio | 18.8991% | 2,259 |
| Memoranda: | ||
| Average total assets | $358,063,670 | 1,831 |
| Average earning assets | $338,764,330 | 1,765 |
| Average equity | $42,443,330 | 1,578 |
| Average total loans | $181,374,330 | 2,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0950% | 6,511 |
| Cost of funding earning assets | 0.8183% | 5,474 |
| Net interest margin | 3.2767% | 5,856 |
| Noninterest income to average assets | 0.6523% | 2,829 |
| Noninterest expense to average assets | 3.1516% | 3,063 |
| Loan and lease loss provision to assets | 0.1664% | 3,963 |
| Net operating income to assets | 0.4160% | 4,877 |
| Return on assets (ROA) | 0.4160% | 4,970 |
| Pretax return on assets | 0.4349% | 5,233 |
| Return on Equity (ROE) | 3.6523% | 5,069 |
| Retained earnings to average equity (ytd only) | -0.2435% | 5,836 |
| Net charge-offs to loans | 0.0199% | 4,796 |
| Credit loss provision to net charge-offs | 1,666.6667% | 233 |
| Earnings coverage of net charge-offs (x) | 60.2222% | 491 |
| Efficiency ratio | 83.1510% | 2,058 |
| Assets per employee ($millions) | 3.5935% | 4,767 |
| Cash dividends to net income (ytd only)* | 106.6667% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 6,482 |
| Loan loss allowance to noncurrent loans | 83.2473% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 5,458 |
| Noncurrent loans to loans | 1.1691% | 4,747 |
| Net loans and leases to total assets | 48.7661% | 5,981 |
| Net loans and leases to deposits | 57.6484% | 5,960 |
| Net loans and leases to core deposits | 58.3454% | 6,224 |
| Total domestic deposits to total assets | 84.5923% | 4,229 |
| Equity capital to assets | 11.3052% | 2,412 |
| Core capital (leverage) ratio | 10.9125% | 2,252 |
| Tier 1 risk-based capital ratio | 17.9002% | 2,149 |
| Total risk-based capital ratio | 18.7480% | 2,263 |
| Memoranda: | ||
| Average total assets | $360,580,500 | 1,825 |
| Average earning assets | $341,199,500 | 1,767 |
| Average equity | $41,069,500 | 1,626 |
| Average total loans | $180,879,000 | 2,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 6,025 |
| Cost of funding earning assets | 1.0097% | 5,646 |
| Net interest margin | 3.6198% | 4,722 |
| Noninterest income to average assets | 0.7284% | 2,659 |
| Noninterest expense to average assets | 3.2586% | 2,878 |
| Loan and lease loss provision to assets | 0.1704% | 5,521 |
| Net operating income to assets | 0.6838% | 3,286 |
| Return on assets (ROA) | 0.6838% | 3,418 |
| Pretax return on assets | 0.7150% | 3,921 |
| Return on Equity (ROE) | 5.7091% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.1633% | 2,933 |
| Net charge-offs to loans | 0.3939% | 4,064 |
| Credit loss provision to net charge-offs | 79.6813% | 5,570 |
| Earnings coverage of net charge-offs (x) | 4.1408% | 3,044 |
| Efficiency ratio | 77.8730% | 2,726 |
| Assets per employee ($millions) | 3.2806% | 5,473 |
| Cash dividends to net income (ytd only)* | 27.0764% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 6,701 |
| Loan loss allowance to noncurrent loans | 85.8570% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 5,580 |
| Noncurrent loans to loans | 1.0597% | 4,952 |
| Net loans and leases to total assets | 50.6659% | 6,088 |
| Net loans and leases to deposits | 60.5237% | 5,994 |
| Net loans and leases to core deposits | 61.4956% | 6,276 |
| Total domestic deposits to total assets | 83.7125% | 4,500 |
| Equity capital to assets | 11.4791% | 2,276 |
| Core capital (leverage) ratio | 10.6440% | 2,422 |
| Tier 1 risk-based capital ratio | 18.1131% | 1,965 |
| Total risk-based capital ratio | 18.9028% | 2,076 |
| Memoranda: | ||
| Average total assets | $352,150,400 | 1,857 |
| Average earning assets | $332,284,600 | 1,797 |
| Average equity | $42,178,200 | 1,572 |
| Average total loans | $191,145,400 | 2,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 6,077 |
| Cost of funding earning assets | 1.0270% | 5,818 |
| Net interest margin | 3.6592% | 4,599 |
| Noninterest income to average assets | 0.7022% | 2,805 |
| Noninterest expense to average assets | 3.2331% | 2,803 |
| Loan and lease loss provision to assets | 0.1702% | 5,340 |
| Net operating income to assets | 0.7173% | 3,334 |
| Return on assets (ROA) | 0.7173% | 3,488 |
| Pretax return on assets | 0.7494% | 4,084 |
| Return on Equity (ROE) | 5.9273% | 3,851 |
| Retained earnings to average equity (ytd only) | 3.8890% | 3,729 |
| Net charge-offs to loans | 0.2398% | 4,504 |
| Credit loss provision to net charge-offs | 128.9398% | 3,151 |
| Earnings coverage of net charge-offs (x) | 6.9656% | 2,413 |
| Efficiency ratio | 77.0976% | 2,753 |
| Assets per employee ($millions) | 3.2829% | 5,507 |
| Cash dividends to net income (ytd only)* | 34.3881% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,407 |
| Loan loss allowance to noncurrent loans | 105.4779% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 5,827 |
| Noncurrent loans to loans | 0.9455% | 5,344 |
| Net loans and leases to total assets | 51.4035% | 6,173 |
| Net loans and leases to deposits | 61.6663% | 6,152 |
| Net loans and leases to core deposits | 62.3239% | 6,429 |
| Total domestic deposits to total assets | 83.3575% | 4,432 |
| Equity capital to assets | 12.3434% | 1,946 |
| Core capital (leverage) ratio | 10.8560% | 2,365 |
| Tier 1 risk-based capital ratio | 17.0157% | 2,335 |
| Total risk-based capital ratio | 17.8854% | 2,453 |
| Memoranda: | ||
| Average total assets | $352,430,750 | 1,881 |
| Average earning assets | $332,345,750 | 1,822 |
| Average equity | $42,649,000 | 1,562 |
| Average total loans | $194,060,500 | 2,249 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 5,976 |
| Cost of funding earning assets | 1.0491% | 5,918 |
| Net interest margin | 3.7007% | 4,363 |
| Noninterest income to average assets | 0.6767% | 2,839 |
| Noninterest expense to average assets | 3.2321% | 2,795 |
| Loan and lease loss provision to assets | 0.1722% | 5,142 |
| Net operating income to assets | 0.7284% | 3,276 |
| Return on assets (ROA) | 0.7284% | 3,432 |
| Pretax return on assets | 0.7611% | 4,022 |
| Return on Equity (ROE) | 6.0613% | 3,777 |
| Retained earnings to average equity (ytd only) | 3.1143% | 4,131 |
| Net charge-offs to loans | 0.1043% | 5,106 |
| Credit loss provision to net charge-offs | 294.1176% | 1,264 |
| Earnings coverage of net charge-offs (x) | 15.9412% | 1,430 |
| Efficiency ratio | 76.8362% | 2,929 |
| Assets per employee ($millions) | 3.2386% | 5,576 |
| Cash dividends to net income (ytd only)* | 48.6210% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 6,194 |
| Loan loss allowance to noncurrent loans | 133.2438% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 6,020 |
| Noncurrent loans to loans | 0.7854% | 5,704 |
| Net loans and leases to total assets | 53.1423% | 6,096 |
| Net loans and leases to deposits | 63.5383% | 6,085 |
| Net loans and leases to core deposits | 64.4079% | 6,366 |
| Total domestic deposits to total assets | 83.6382% | 4,273 |
| Equity capital to assets | 12.0803% | 2,053 |
| Core capital (leverage) ratio | 10.4433% | 2,674 |
| Tier 1 risk-based capital ratio | 16.5535% | 2,454 |
| Total risk-based capital ratio | 17.4583% | 2,543 |
| Memoranda: | ||
| Average total assets | $348,439,330 | 1,921 |
| Average earning assets | $328,480,000 | 1,857 |
| Average equity | $41,872,000 | 1,576 |
| Average total loans | $195,679,330 | 2,260 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 5,913 |
| Cost of funding earning assets | 1.0580% | 6,097 |
| Net interest margin | 3.7343% | 4,082 |
| Noninterest income to average assets | 0.6737% | 2,782 |
| Noninterest expense to average assets | 3.1928% | 2,896 |
| Loan and lease loss provision to assets | 0.1733% | 4,784 |
| Net operating income to assets | 0.7915% | 3,007 |
| Return on assets (ROA) | 0.7915% | 3,118 |
| Pretax return on assets | 0.8274% | 3,755 |
| Return on Equity (ROE) | 6.6046% | 3,568 |
| Retained earnings to average equity (ytd only) | 2.3912% | 4,705 |
| Net charge-offs to loans | 0.1751% | 3,872 |
| Credit loss provision to net charge-offs | 172.4138% | 2,104 |
| Earnings coverage of net charge-offs (x) | 9.9540% | 1,794 |
| Efficiency ratio | 75.3651% | 3,339 |
| Assets per employee ($millions) | 3.2803% | 5,582 |
| Cash dividends to net income (ytd only)* | 63.7956% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,707 |
| Loan loss allowance to noncurrent loans | 109.7329% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6638% | 5,857 |
| Noncurrent loans to loans | 0.8562% | 5,602 |
| Net loans and leases to total assets | 55.5441% | 5,811 |
| Net loans and leases to deposits | 66.3503% | 5,786 |
| Net loans and leases to core deposits | 67.3431% | 6,172 |
| Total domestic deposits to total assets | 83.7134% | 4,294 |
| Equity capital to assets | 11.8916% | 2,110 |
| Core capital (leverage) ratio | 10.8641% | 2,322 |
| Tier 1 risk-based capital ratio | 16.0572% | 2,635 |
| Total risk-based capital ratio | 16.8850% | 2,758 |
| Memoranda: | ||
| Average total assets | $346,156,500 | 1,976 |
| Average earning assets | $326,277,000 | 1,916 |
| Average equity | $41,486,000 | 1,608 |
| Average total loans | $198,729,500 | 2,287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 5,664 |
| Cost of funding earning assets | 1.4627% | 5,669 |
| Net interest margin | 3.7341% | 3,980 |
| Noninterest income to average assets | 0.8678% | 2,090 |
| Noninterest expense to average assets | 3.2541% | 3,179 |
| Loan and lease loss provision to assets | 0.2474% | 5,412 |
| Net operating income to assets | 0.7991% | 2,543 |
| Return on assets (ROA) | 0.7991% | 2,627 |
| Pretax return on assets | 0.8340% | 3,133 |
| Return on Equity (ROE) | 6.8290% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.5203% | 2,090 |
| Net charge-offs to loans | 0.4036% | 4,207 |
| Credit loss provision to net charge-offs | 102.9056% | 5,364 |
| Earnings coverage of net charge-offs (x) | 4.4976% | 2,928 |
| Efficiency ratio | 74.3101% | 3,835 |
| Assets per employee ($millions) | 3.1899% | 5,748 |
| Cash dividends to net income (ytd only)* | 33.8069% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,859 |
| Loan loss allowance to noncurrent loans | 100.9610% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 5,688 |
| Noncurrent loans to loans | 0.8816% | 5,542 |
| Net loans and leases to total assets | 58.2644% | 5,619 |
| Net loans and leases to deposits | 69.9258% | 5,611 |
| Net loans and leases to core deposits | 78.6300% | 6,208 |
| Total domestic deposits to total assets | 83.3232% | 4,378 |
| Equity capital to assets | 12.0805% | 1,987 |
| Core capital (leverage) ratio | 10.6792% | 2,450 |
| Tier 1 risk-based capital ratio | 15.8026% | 2,605 |
| Total risk-based capital ratio | 16.5957% | 2,739 |
| Memoranda: | ||
| Average total assets | $343,508,000 | 1,984 |
| Average earning assets | $319,001,800 | 1,954 |
| Average equity | $40,196,200 | 1,661 |
| Average total loans | $204,675,600 | 2,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 5,643 |
| Cost of funding earning assets | 1.5205% | 5,747 |
| Net interest margin | 3.7377% | 3,919 |
| Noninterest income to average assets | 0.9068% | 1,956 |
| Noninterest expense to average assets | 3.2866% | 2,967 |
| Loan and lease loss provision to assets | 0.2131% | 5,280 |
| Net operating income to assets | 0.8285% | 2,700 |
| Return on assets (ROA) | 0.8285% | 2,763 |
| Pretax return on assets | 0.8642% | 3,338 |
| Return on Equity (ROE) | 7.1377% | 3,007 |
| Retained earnings to average equity (ytd only) | 4.0396% | 3,023 |
| Net charge-offs to loans | 0.0162% | 6,690 |
| Credit loss provision to net charge-offs | 2,200.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 111.2082% | 329 |
| Efficiency ratio | 74.5760% | 3,768 |
| Assets per employee ($millions) | 3.0296% | 6,081 |
| Cash dividends to net income (ytd only)* | 43.4049% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,708 |
| Loan loss allowance to noncurrent loans | 103.1574% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 5,855 |
| Noncurrent loans to loans | 1.0691% | 5,176 |
| Net loans and leases to total assets | 58.8633% | 5,758 |
| Net loans and leases to deposits | 69.7783% | 5,944 |
| Net loans and leases to core deposits | 78.9759% | 6,422 |
| Total domestic deposits to total assets | 84.3576% | 3,548 |
| Equity capital to assets | 11.9825% | 2,246 |
| Core capital (leverage) ratio | 10.5186% | 2,778 |
| Tier 1 risk-based capital ratio | 15.1155% | 2,992 |
| Total risk-based capital ratio | 16.1045% | 3,052 |
| Memoranda: | ||
| Average total assets | $344,055,500 | 1,998 |
| Average earning assets | $318,230,000 | 1,978 |
| Average equity | $39,937,000 | 1,701 |
| Average total loans | $205,681,250 | 2,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 5,347 |
| Cost of funding earning assets | 1.5617% | 5,877 |
| Net interest margin | 3.7993% | 3,556 |
| Noninterest income to average assets | 0.9906% | 1,625 |
| Noninterest expense to average assets | 3.3420% | 2,816 |
| Loan and lease loss provision to assets | 0.7297% | 2,247 |
| Net operating income to assets | 0.3637% | 4,643 |
| Return on assets (ROA) | 0.3637% | 4,746 |
| Pretax return on assets | 0.4040% | 4,923 |
| Return on Equity (ROE) | 3.1678% | 4,837 |
| Retained earnings to average equity (ytd only) | -1.3474% | 5,580 |
| Net charge-offs to loans | 0.0215% | 6,200 |
| Credit loss provision to net charge-offs | 5,681.8182% | 86 |
| Earnings coverage of net charge-offs (x) | 88.2727% | 433 |
| Efficiency ratio | 73.9533% | 4,039 |
| Assets per employee ($millions) | 2.9374% | 6,298 |
| Cash dividends to net income (ytd only)* | 142.5361% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 3,442 |
| Loan loss allowance to noncurrent loans | 68.3429% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 4,310 |
| Noncurrent loans to loans | 2.1273% | 3,340 |
| Net loans and leases to total assets | 61.0585% | 5,510 |
| Net loans and leases to deposits | 72.0150% | 5,733 |
| Net loans and leases to core deposits | 81.9004% | 6,249 |
| Total domestic deposits to total assets | 84.7858% | 3,359 |
| Equity capital to assets | 11.6415% | 2,435 |
| Core capital (leverage) ratio | 9.8591% | 3,438 |
| Tier 1 risk-based capital ratio | 15.4073% | 2,858 |
| Total risk-based capital ratio | 16.6588% | 2,782 |
| Memoranda: | ||
| Average total assets | $342,607,670 | 2,023 |
| Average earning assets | $314,266,000 | 2,027 |
| Average equity | $39,333,670 | 1,733 |
| Average total loans | $205,119,670 | 2,291 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 5,876 |
| Cost of funding earning assets | 1.5669% | 6,170 |
| Net interest margin | 3.7373% | 3,729 |
| Noninterest income to average assets | 0.9887% | 1,518 |
| Noninterest expense to average assets | 3.2453% | 2,813 |
| Loan and lease loss provision to assets | 0.0287% | 6,566 |
| Net operating income to assets | 1.1140% | 1,911 |
| Return on assets (ROA) | 1.1140% | 2,034 |
| Pretax return on assets | 1.1668% | 2,738 |
| Return on Equity (ROE) | 9.7681% | 2,420 |
| Retained earnings to average equity (ytd only) | 5.4133% | 2,894 |
| Net charge-offs to loans | 0.0293% | 5,116 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 69.3333% | 577 |
| Efficiency ratio | 72.3790% | 4,123 |
| Assets per employee ($millions) | 3.2281% | 5,526 |
| Cash dividends to net income (ytd only)* | 44.5820% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 6,889 |
| Loan loss allowance to noncurrent loans | 11,075.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 7,643 |
| Noncurrent loans to loans | 0.0078% | 7,550 |
| Net loans and leases to total assets | 57.0942% | 6,082 |
| Net loans and leases to deposits | 66.9096% | 6,285 |
| Net loans and leases to core deposits | 76.4198% | 6,648 |
| Total domestic deposits to total assets | 85.3304% | 3,044 |
| Equity capital to assets | 11.2606% | 2,755 |
| Core capital (leverage) ratio | 10.1766% | 3,216 |
| Tier 1 risk-based capital ratio | 15.3587% | 2,912 |
| Total risk-based capital ratio | 16.1539% | 3,040 |
| Memoranda: | ||
| Average total assets | $347,948,500 | 1,996 |
| Average earning assets | $321,406,000 | 1,973 |
| Average equity | $39,680,000 | 1,717 |
| Average total loans | $204,850,000 | 2,319 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6949% | 6,796 |
| Cost of funding earning assets | 2.3030% | 5,135 |
| Net interest margin | 3.3919% | 5,690 |
| Noninterest income to average assets | 0.7257% | 2,940 |
| Noninterest expense to average assets | 3.0237% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7609% | 3,612 |
| Return on assets (ROA) | 0.7866% | 3,336 |
| Pretax return on assets | 0.8207% | 3,990 |
| Return on Equity (ROE) | 7.1582% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.2113% | 1,905 |
| Net charge-offs to loans | 0.0852% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 15.1573% | 1,956 |
| Efficiency ratio | 78.3473% | 2,863 |
| Assets per employee ($millions) | 3.1556% | 5,606 |
| Cash dividends to net income (ytd only)* | 27.1979% | 4,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 6,859 |
| Loan loss allowance to noncurrent loans | 176,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 7,673 |
| Noncurrent loans to loans | 0.0005% | 7,568 |
| Net loans and leases to total assets | 59.6907% | 5,958 |
| Net loans and leases to deposits | 71.1547% | 6,148 |
| Net loans and leases to core deposits | 81.2535% | 6,516 |
| Total domestic deposits to total assets | 83.8887% | 3,375 |
| Equity capital to assets | 11.5534% | 2,601 |
| Core capital (leverage) ratio | 10.0074% | 3,438 |
| Tier 1 risk-based capital ratio | 15.2880% | 2,925 |
| Total risk-based capital ratio | 16.0883% | 3,047 |
| Memoranda: | ||
| Average total assets | $339,817,000 | 1,956 |
| Average earning assets | $309,767,000 | 1,969 |
| Average equity | $37,341,800 | 1,812 |
| Average total loans | $208,826,400 | 2,215 |