Home > The First National Bank in Amboy > Performance and Condition Ratios
The First National Bank in Amboy, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1938% | 3,634 |
| Cost of funding earning assets | 0.9391% | 3,442 |
| Net interest margin | 3.2548% | 2,744 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.4765% | 2,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0307% | 2,116 |
| Return on assets (ROA) | 1.0357% | 2,086 |
| Pretax return on assets | 1.0854% | 2,450 |
| Return on Equity (ROE) | 15.0000% | 1,288 |
| Retained earnings to average equity (ytd only) | 11.2106% | 749 |
| Net charge-offs to loans | -0.0474% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.2292% | 1,987 |
| Assets per employee ($millions) | 4.9798% | 3,654 |
| Cash dividends to net income (ytd only)* | 25.2799% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 389 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.2700% | 3,990 |
| Net loans and leases to deposits | 47.5100% | 4,007 |
| Net loans and leases to core deposits | 50.9076% | 4,065 |
| Total domestic deposits to total assets | 86.8800% | 1,724 |
| Equity capital to assets | 7.5447% | 3,694 |
| Core capital (leverage) ratio | 10.6875% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $267,354,600 | 2,582 |
| Average earning assets | $250,677,800 | 2,573 |
| Average equity | $18,455,800 | 2,977 |
| Average total loans | $107,603,600 | 3,093 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,663 |
| Cost of funding earning assets | 0.7906% | 3,546 |
| Net interest margin | 3.3084% | 2,663 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.4647% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0751% | 2,130 |
| Return on assets (ROA) | 1.0798% | 2,104 |
| Pretax return on assets | 1.1393% | 2,461 |
| Return on Equity (ROE) | 16.0400% | 1,251 |
| Retained earnings to average equity (ytd only) | 10.7953% | 1,192 |
| Net charge-offs to loans | -0.0469% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.0908% | 2,003 |
| Assets per employee ($millions) | 5.1081% | 3,514 |
| Cash dividends to net income (ytd only)* | 32.6797% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1972% | 294 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 39.5300% | 4,079 |
| Net loans and leases to deposits | 44.4292% | 4,097 |
| Net loans and leases to core deposits | 47.6510% | 4,089 |
| Total domestic deposits to total assets | 88.9600% | 1,269 |
| Equity capital to assets | 6.7813% | 3,713 |
| Core capital (leverage) ratio | 10.6927% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $264,475,750 | 2,606 |
| Average earning assets | $247,566,750 | 2,590 |
| Average equity | $17,809,750 | 3,019 |
| Average total loans | $105,148,000 | 3,122 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,717 |
| Cost of funding earning assets | 0.6284% | 3,684 |
| Net interest margin | 3.3570% | 2,623 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.4513% | 2,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1482% | 1,974 |
| Return on assets (ROA) | 1.1548% | 1,953 |
| Pretax return on assets | 1.2043% | 2,346 |
| Return on Equity (ROE) | 17.1900% | 1,064 |
| Retained earnings to average equity (ytd only) | 10.3820% | 1,314 |
| Net charge-offs to loans | -0.0463% | 4,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.7850% | 2,141 |
| Assets per employee ($millions) | 4.4796% | 3,964 |
| Cash dividends to net income (ytd only)* | 39.6040% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2892% | 269 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.6100% | 4,086 |
| Net loans and leases to deposits | 43.6190% | 4,117 |
| Net loans and leases to core deposits | 45.9694% | 4,130 |
| Total domestic deposits to total assets | 88.5200% | 1,417 |
| Equity capital to assets | 7.0424% | 3,771 |
| Core capital (leverage) ratio | 10.7830% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $262,390,667 | 2,622 |
| Average earning assets | $245,395,333 | 2,607 |
| Average equity | $17,626,667 | 3,051 |
| Average total loans | $103,726,333 | 3,132 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,569 |
| Cost of funding earning assets | 0.5023% | 3,680 |
| Net interest margin | 3.4430% | 2,520 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.4404% | 2,399 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2547% | 1,785 |
| Return on assets (ROA) | 1.2607% | 1,740 |
| Pretax return on assets | 1.2714% | 2,255 |
| Return on Equity (ROE) | 19.2400% | 850 |
| Retained earnings to average equity (ytd only) | 9.8987% | 1,724 |
| Net charge-offs to loans | 0.5650% | 145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.6644% | 1,804 |
| Efficiency ratio | 65.4831% | 2,272 |
| Assets per employee ($millions) | 4.4986% | 4,023 |
| Cash dividends to net income (ytd only)* | 48.5437% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2318% | 305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.2900% | 4,147 |
| Net loans and leases to deposits | 40.2887% | 4,218 |
| Net loans and leases to core deposits | 41.8481% | 4,224 |
| Total domestic deposits to total assets | 92.5600% | 386 |
| Equity capital to assets | 6.7052% | 3,960 |
| Core capital (leverage) ratio | 10.1556% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $261,437,000 | 2,660 |
| Average earning assets | $245,249,000 | 2,640 |
| Average equity | $17,133,500 | 3,123 |
| Average total loans | $103,367,000 | 3,170 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2811% | 3,636 |
| Cost of funding earning assets | 0.2769% | 3,073 |
| Net interest margin | 3.0043% | 3,439 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.3411% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0086% | 2,536 |
| Return on assets (ROA) | 0.9539% | 2,702 |
| Pretax return on assets | 1.0144% | 3,036 |
| Return on Equity (ROE) | 13.5200% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.5321% | 2,437 |
| Net charge-offs to loans | -0.1949% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.1644% | 1,942 |
| Assets per employee ($millions) | 4.3660% | 4,104 |
| Cash dividends to net income (ytd only)* | 51.6823% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3746% | 242 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 39.9600% | 4,070 |
| Net loans and leases to deposits | 43.0854% | 4,145 |
| Net loans and leases to core deposits | 43.8551% | 4,185 |
| Total domestic deposits to total assets | 92.7400% | 461 |
| Equity capital to assets | 6.4026% | 3,940 |
| Core capital (leverage) ratio | 10.1392% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $267,953,400 | 2,619 |
| Average earning assets | $253,540,000 | 2,592 |
| Average equity | $18,906,600 | 3,047 |
| Average total loans | $99,030,200 | 3,167 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1221% | 3,622 |
| Cost of funding earning assets | 0.2302% | 2,925 |
| Net interest margin | 2.8919% | 3,514 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.3034% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9524% | 2,654 |
| Return on assets (ROA) | 0.9110% | 2,800 |
| Pretax return on assets | 0.9674% | 3,119 |
| Return on Equity (ROE) | 12.6300% | 1,827 |
| Retained earnings to average equity (ytd only) | 3.5664% | 3,598 |
| Net charge-offs to loans | -0.2557% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0700% | 1,878 |
| Assets per employee ($millions) | 4.8422% | 3,804 |
| Cash dividends to net income (ytd only)* | 71.7545% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 246 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 39.4200% | 4,095 |
| Net loans and leases to deposits | 42.5119% | 4,165 |
| Net loans and leases to core deposits | 43.2870% | 4,192 |
| Total domestic deposits to total assets | 92.7200% | 657 |
| Equity capital to assets | 6.0276% | 3,953 |
| Core capital (leverage) ratio | 9.8860% | 2,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $269,452,500 | 2,628 |
| Average earning assets | $255,464,750 | 2,599 |
| Average equity | $19,440,250 | 3,044 |
| Average total loans | $96,983,000 | 3,206 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8549% | 3,882 |
| Cost of funding earning assets | 0.2198% | 2,644 |
| Net interest margin | 2.6352% | 3,840 |
| Noninterest income to average assets | 0.5794% | 1,830 |
| Noninterest expense to average assets | 2.2373% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7924% | 2,989 |
| Return on assets (ROA) | 0.7745% | 3,011 |
| Pretax return on assets | 0.8198% | 3,272 |
| Return on Equity (ROE) | 10.2100% | 2,263 |
| Retained earnings to average equity (ytd only) | -1.5508% | 4,347 |
| Net charge-offs to loans | -0.0865% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2803% | 1,708 |
| Assets per employee ($millions) | 4.4991% | 4,068 |
| Cash dividends to net income (ytd only)* | 115.1887% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5128% | 258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 35.5919% | 4,262 |
| Net loans and leases to deposits | 37.8927% | 4,340 |
| Net loans and leases to core deposits | 38.3101% | 4,379 |
| Total domestic deposits to total assets | 93.9280% | 293 |
| Equity capital to assets | 5.3596% | 4,404 |
| Core capital (leverage) ratio | 8.9822% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,724,667 | 2,622 |
| Average earning assets | $259,339,333 | 2,603 |
| Average equity | $20,764,000 | 2,992 |
| Average total loans | $94,743,667 | 3,260 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6481% | 4,038 |
| Cost of funding earning assets | 0.2195% | 2,538 |
| Net interest margin | 2.4285% | 4,019 |
| Noninterest income to average assets | 0.6383% | 1,535 |
| Noninterest expense to average assets | 2.1349% | 3,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8282% | 2,562 |
| Return on assets (ROA) | 0.7968% | 2,658 |
| Pretax return on assets | 0.7783% | 3,179 |
| Return on Equity (ROE) | 9.2411% | 2,232 |
| Retained earnings to average equity (ytd only) | -7.6678% | 4,519 |
| Net charge-offs to loans | -0.1101% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0660% | 1,965 |
| Assets per employee ($millions) | 5.2304% | 3,560 |
| Cash dividends to net income (ytd only)* | 182.9749% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5919% | 262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.6552% | 4,396 |
| Net loans and leases to deposits | 34.9890% | 4,421 |
| Net loans and leases to core deposits | 35.3582% | 4,444 |
| Total domestic deposits to total assets | 90.4720% | 1,313 |
| Equity capital to assets | 7.2561% | 4,068 |
| Core capital (leverage) ratio | 8.6763% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,112,000 | 2,600 |
| Average earning assets | $266,002,500 | 2,576 |
| Average equity | $24,153,000 | 2,829 |
| Average total loans | $94,480,000 | 3,268 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2760% | 3,282 |
| Cost of funding earning assets | 0.3084% | 2,315 |
| Net interest margin | 2.9676% | 3,275 |
| Noninterest income to average assets | 0.5471% | 2,373 |
| Noninterest expense to average assets | 2.2647% | 2,903 |
| Loan and lease loss provision to assets | 0.0903% | 1,379 |
| Net operating income to assets | 0.9787% | 2,758 |
| Return on assets (ROA) | 0.8898% | 3,139 |
| Pretax return on assets | 0.9071% | 3,496 |
| Return on Equity (ROE) | 8.5676% | 3,061 |
| Retained earnings to average equity (ytd only) | 0.8876% | 4,286 |
| Net charge-offs to loans | -0.0685% | 4,449 |
| Credit loss provision to net charge-offs | -342.8571% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1193% | 2,107 |
| Assets per employee ($millions) | 4.9604% | 3,762 |
| Cash dividends to net income (ytd only)* | 89.6406% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 311 |
| Loan loss allowance to noncurrent loans | 1,384.1176% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,555 |
| Noncurrent loans to loans | 0.1749% | 3,078 |
| Net loans and leases to total assets | 34.1348% | 4,368 |
| Net loans and leases to deposits | 39.0200% | 4,366 |
| Net loans and leases to core deposits | 39.4586% | 4,409 |
| Total domestic deposits to total assets | 87.4802% | 2,287 |
| Equity capital to assets | 10.0121% | 2,644 |
| Core capital (leverage) ratio | 9.1056% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,779,400 | 2,631 |
| Average earning assets | $251,284,000 | 2,609 |
| Average equity | $27,604,000 | 2,677 |
| Average total loans | $102,202,200 | 3,167 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3944% | 3,118 |
| Cost of funding earning assets | 0.3177% | 2,424 |
| Net interest margin | 3.0767% | 3,109 |
| Noninterest income to average assets | 0.5789% | 2,304 |
| Noninterest expense to average assets | 2.1736% | 3,155 |
| Loan and lease loss provision to assets | 0.0913% | 1,309 |
| Net operating income to assets | 1.2061% | 2,149 |
| Return on assets (ROA) | 1.2147% | 2,174 |
| Pretax return on assets | 1.2264% | 2,845 |
| Return on Equity (ROE) | 11.5851% | 2,184 |
| Retained earnings to average equity (ytd only) | 1.3259% | 4,346 |
| Net charge-offs to loans | -0.0657% | 4,460 |
| Credit loss provision to net charge-offs | -352.9412% | 3,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0047% | 2,699 |
| Assets per employee ($millions) | 4.8844% | 3,808 |
| Cash dividends to net income (ytd only)* | 88.5547% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 387 |
| Loan loss allowance to noncurrent loans | 1,299.4286% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,682 |
| Noncurrent loans to loans | 0.1775% | 3,243 |
| Net loans and leases to total assets | 35.2225% | 4,421 |
| Net loans and leases to deposits | 40.5738% | 4,432 |
| Net loans and leases to core deposits | 41.0403% | 4,479 |
| Total domestic deposits to total assets | 86.8108% | 2,424 |
| Equity capital to assets | 10.5445% | 2,422 |
| Core capital (leverage) ratio | 9.3872% | 3,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,778,250 | 2,673 |
| Average earning assets | $248,011,000 | 2,652 |
| Average equity | $27,552,000 | 2,706 |
| Average total loans | $103,459,250 | 3,195 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 2,991 |
| Cost of funding earning assets | 0.3324% | 2,472 |
| Net interest margin | 3.1324% | 2,947 |
| Noninterest income to average assets | 0.6350% | 2,069 |
| Noninterest expense to average assets | 2.3048% | 2,764 |
| Loan and lease loss provision to assets | 0.0926% | 1,352 |
| Net operating income to assets | 1.1870% | 2,239 |
| Return on assets (ROA) | 1.2130% | 2,219 |
| Pretax return on assets | 1.2307% | 2,826 |
| Return on Equity (ROE) | 11.5921% | 2,204 |
| Retained earnings to average equity (ytd only) | -3.3036% | 4,728 |
| Net charge-offs to loans | -0.0666% | 4,482 |
| Credit loss provision to net charge-offs | -342.8571% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5818% | 2,487 |
| Assets per employee ($millions) | 4.3370% | 4,228 |
| Cash dividends to net income (ytd only)* | 128.4987% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 456 |
| Loan loss allowance to noncurrent loans | 1,227.9330% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,762 |
| Noncurrent loans to loans | 0.1763% | 3,332 |
| Net loans and leases to total assets | 37.5486% | 4,407 |
| Net loans and leases to deposits | 43.3113% | 4,408 |
| Net loans and leases to core deposits | 43.8264% | 4,459 |
| Total domestic deposits to total assets | 86.6947% | 2,476 |
| Equity capital to assets | 10.4507% | 2,437 |
| Core capital (leverage) ratio | 9.2048% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,195,333 | 2,691 |
| Average earning assets | $245,499,667 | 2,657 |
| Average equity | $27,122,000 | 2,729 |
| Average total loans | $105,073,333 | 3,192 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1732% | 3,733 |
| Cost of funding earning assets | 0.3583% | 2,458 |
| Net interest margin | 2.8149% | 3,723 |
| Noninterest income to average assets | 0.6721% | 1,953 |
| Noninterest expense to average assets | 2.3157% | 2,740 |
| Loan and lease loss provision to assets | 0.0936% | 1,431 |
| Net operating income to assets | 0.9216% | 3,075 |
| Return on assets (ROA) | 0.9216% | 3,150 |
| Pretax return on assets | 0.9216% | 3,556 |
| Return on Equity (ROE) | 8.8015% | 3,104 |
| Retained earnings to average equity (ytd only) | -18.3030% | 4,903 |
| Net charge-offs to loans | -0.0711% | 4,520 |
| Credit loss provision to net charge-offs | -315.7895% | 3,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1011% | 1,804 |
| Assets per employee ($millions) | 4.5428% | 4,068 |
| Cash dividends to net income (ytd only)* | 307.9526% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 579 |
| Loan loss allowance to noncurrent loans | 1,122.7513% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 3,869 |
| Noncurrent loans to loans | 0.1797% | 3,462 |
| Net loans and leases to total assets | 38.4390% | 4,409 |
| Net loans and leases to deposits | 44.9821% | 4,394 |
| Net loans and leases to core deposits | 45.4891% | 4,454 |
| Total domestic deposits to total assets | 85.4541% | 2,942 |
| Equity capital to assets | 9.5516% | 3,149 |
| Core capital (leverage) ratio | 9.2029% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,515,000 | 2,695 |
| Average earning assets | $242,282,500 | 2,664 |
| Average equity | $26,859,000 | 2,742 |
| Average total loans | $106,842,500 | 3,174 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6861% | 3,611 |
| Cost of funding earning assets | 0.5343% | 2,719 |
| Net interest margin | 3.1518% | 3,489 |
| Noninterest income to average assets | 0.7832% | 1,577 |
| Noninterest expense to average assets | 2.5217% | 2,779 |
| Loan and lease loss provision to assets | 0.1067% | 3,005 |
| Net operating income to assets | 1.1171% | 1,852 |
| Return on assets (ROA) | 1.0371% | 2,294 |
| Pretax return on assets | 1.0499% | 2,881 |
| Return on Equity (ROE) | 9.0492% | 2,372 |
| Retained earnings to average equity (ytd only) | 6.1517% | 1,735 |
| Net charge-offs to loans | -0.2625% | 4,916 |
| Credit loss provision to net charge-offs | -82.4742% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6430% | 2,417 |
| Assets per employee ($millions) | 4.1526% | 4,255 |
| Cash dividends to net income (ytd only)* | 32.0189% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 752 |
| Loan loss allowance to noncurrent loans | 908.0000% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,858 |
| Noncurrent loans to loans | 0.2073% | 3,458 |
| Net loans and leases to total assets | 43.4660% | 4,274 |
| Net loans and leases to deposits | 52.4015% | 4,200 |
| Net loans and leases to core deposits | 53.0674% | 4,296 |
| Total domestic deposits to total assets | 82.9480% | 3,427 |
| Equity capital to assets | 11.4762% | 1,901 |
| Core capital (leverage) ratio | 10.4748% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,963,800 | 2,764 |
| Average earning assets | $212,419,200 | 2,734 |
| Average equity | $25,781,400 | 2,751 |
| Average total loans | $110,857,200 | 3,089 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 3,653 |
| Cost of funding earning assets | 0.5666% | 2,832 |
| Net interest margin | 3.2001% | 3,493 |
| Noninterest income to average assets | 0.7456% | 1,661 |
| Noninterest expense to average assets | 2.5235% | 2,765 |
| Loan and lease loss provision to assets | 0.1091% | 2,956 |
| Net operating income to assets | 1.1282% | 1,887 |
| Return on assets (ROA) | 1.1966% | 1,772 |
| Pretax return on assets | 1.2087% | 2,361 |
| Return on Equity (ROE) | 10.4452% | 1,859 |
| Retained earnings to average equity (ytd only) | 6.4925% | 1,887 |
| Net charge-offs to loans | -0.3290% | 4,954 |
| Credit loss provision to net charge-offs | -65.4545% | 3,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4471% | 2,406 |
| Assets per employee ($millions) | 3.9242% | 4,383 |
| Cash dividends to net income (ytd only)* | 37.8419% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 825 |
| Loan loss allowance to noncurrent loans | 736.7041% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1153% | 3,851 |
| Noncurrent loans to loans | 0.2361% | 3,460 |
| Net loans and leases to total assets | 47.9875% | 4,213 |
| Net loans and leases to deposits | 56.3179% | 4,240 |
| Net loans and leases to core deposits | 57.0528% | 4,338 |
| Total domestic deposits to total assets | 85.2082% | 2,357 |
| Equity capital to assets | 11.7291% | 1,857 |
| Core capital (leverage) ratio | 10.7075% | 2,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,954,000 | 2,783 |
| Average earning assets | $208,027,250 | 2,744 |
| Average equity | $25,197,500 | 2,778 |
| Average total loans | $111,437,500 | 3,090 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8209% | 3,805 |
| Cost of funding earning assets | 0.6148% | 2,893 |
| Net interest margin | 3.2062% | 3,655 |
| Noninterest income to average assets | 0.7015% | 1,731 |
| Noninterest expense to average assets | 2.5970% | 2,674 |
| Loan and lease loss provision to assets | 0.1111% | 2,901 |
| Net operating income to assets | 1.0107% | 2,284 |
| Return on assets (ROA) | 1.0107% | 2,410 |
| Pretax return on assets | 1.0199% | 2,973 |
| Return on Equity (ROE) | 8.8981% | 2,400 |
| Retained earnings to average equity (ytd only) | 3.4631% | 3,196 |
| Net charge-offs to loans | -0.4581% | 4,995 |
| Credit loss provision to net charge-offs | -47.2441% | 3,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1907% | 2,062 |
| Assets per employee ($millions) | 3.8480% | 4,436 |
| Cash dividends to net income (ytd only)* | 61.0806% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 936 |
| Loan loss allowance to noncurrent loans | 698.5185% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 3,939 |
| Noncurrent loans to loans | 0.2337% | 3,541 |
| Net loans and leases to total assets | 50.0625% | 4,162 |
| Net loans and leases to deposits | 58.9767% | 4,167 |
| Net loans and leases to core deposits | 59.7616% | 4,275 |
| Total domestic deposits to total assets | 84.8853% | 2,443 |
| Equity capital to assets | 11.6478% | 1,873 |
| Core capital (leverage) ratio | 10.7214% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,096,333 | 2,784 |
| Average earning assets | $203,981,667 | 2,750 |
| Average equity | $24,544,667 | 2,810 |
| Average total loans | $110,893,000 | 3,089 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,037 |
| Cost of funding earning assets | 0.6995% | 2,932 |
| Net interest margin | 3.1993% | 3,853 |
| Noninterest income to average assets | 0.5412% | 2,325 |
| Noninterest expense to average assets | 2.6796% | 2,757 |
| Loan and lease loss provision to assets | 0.1139% | 2,258 |
| Net operating income to assets | 0.7444% | 3,115 |
| Return on assets (ROA) | 0.7444% | 3,190 |
| Pretax return on assets | 0.7444% | 3,556 |
| Return on Equity (ROE) | 6.6455% | 3,086 |
| Retained earnings to average equity (ytd only) | -1.9496% | 4,247 |
| Net charge-offs to loans | -0.1253% | 4,864 |
| Credit loss provision to net charge-offs | -176.4706% | 3,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2550% | 1,653 |
| Assets per employee ($millions) | 3.8125% | 4,156 |
| Cash dividends to net income (ytd only)* | 129.3367% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 1,517 |
| Loan loss allowance to noncurrent loans | 584.0000% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 3,938 |
| Noncurrent loans to loans | 0.2491% | 3,596 |
| Net loans and leases to total assets | 51.8764% | 4,124 |
| Net loans and leases to deposits | 58.9980% | 4,249 |
| Net loans and leases to core deposits | 59.8159% | 4,366 |
| Total domestic deposits to total assets | 87.9290% | 1,141 |
| Equity capital to assets | 10.7929% | 3,054 |
| Core capital (leverage) ratio | 10.9699% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,629,500 | 2,783 |
| Average earning assets | $197,292,000 | 2,763 |
| Average equity | $23,595,000 | 2,881 |
| Average total loans | $108,568,000 | 3,097 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 4,121 |
| Cost of funding earning assets | 0.6979% | 3,167 |
| Net interest margin | 3.3656% | 3,837 |
| Noninterest income to average assets | 0.5688% | 2,378 |
| Noninterest expense to average assets | 2.9305% | 2,207 |
| Loan and lease loss provision to assets | 0.1083% | 1,917 |
| Net operating income to assets | 0.6640% | 3,975 |
| Return on assets (ROA) | 0.6737% | 4,012 |
| Pretax return on assets | 0.6840% | 4,243 |
| Return on Equity (ROE) | 5.8104% | 3,971 |
| Retained earnings to average equity (ytd only) | 1.8009% | 4,083 |
| Net charge-offs to loans | 0.0344% | 2,697 |
| Credit loss provision to net charge-offs | 611.1111% | 506 |
| Earnings coverage of net charge-offs (x) | 44.1389% | 1,226 |
| Efficiency ratio | 78.4350% | 1,101 |
| Assets per employee ($millions) | 3.5860% | 4,385 |
| Cash dividends to net income (ytd only)* | 69.0058% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,461 |
| Loan loss allowance to noncurrent loans | 542.2939% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 3,921 |
| Noncurrent loans to loans | 0.2614% | 3,507 |
| Net loans and leases to total assets | 49.7415% | 4,337 |
| Net loans and leases to deposits | 57.1171% | 4,413 |
| Net loans and leases to core deposits | 57.8649% | 4,530 |
| Total domestic deposits to total assets | 87.0868% | 1,561 |
| Equity capital to assets | 11.6078% | 2,424 |
| Core capital (leverage) ratio | 11.2548% | 2,288 |
| Tier 1 risk-based capital ratio | 17.9411% | 1,776 |
| Total risk-based capital ratio | 19.1023% | 1,751 |
| Memoranda: | ||
| Average total assets | $203,072,000 | 2,817 |
| Average earning assets | $189,713,200 | 2,804 |
| Average equity | $23,543,800 | 2,833 |
| Average total loans | $104,702,200 | 3,159 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 4,254 |
| Cost of funding earning assets | 0.6793% | 3,313 |
| Net interest margin | 3.3716% | 3,939 |
| Noninterest income to average assets | 0.5899% | 2,264 |
| Noninterest expense to average assets | 2.8684% | 2,351 |
| Loan and lease loss provision to assets | 0.1062% | 1,821 |
| Net operating income to assets | 0.7665% | 3,785 |
| Return on assets (ROA) | 0.7796% | 3,810 |
| Pretax return on assets | 0.7869% | 4,147 |
| Return on Equity (ROE) | 6.7266% | 3,801 |
| Retained earnings to average equity (ytd only) | 1.3224% | 4,484 |
| Net charge-offs to loans | 0.0410% | 2,273 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 41.4333% | 1,344 |
| Efficiency ratio | 76.0312% | 1,329 |
| Assets per employee ($millions) | 3.4385% | 4,556 |
| Cash dividends to net income (ytd only)* | 80.3406% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,526 |
| Loan loss allowance to noncurrent loans | 490.2357% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 3,687 |
| Noncurrent loans to loans | 0.2880% | 3,503 |
| Net loans and leases to total assets | 49.2729% | 4,467 |
| Net loans and leases to deposits | 57.3037% | 4,497 |
| Net loans and leases to core deposits | 58.0789% | 4,603 |
| Total domestic deposits to total assets | 85.9857% | 2,005 |
| Equity capital to assets | 11.8981% | 2,328 |
| Core capital (leverage) ratio | 11.5583% | 2,179 |
| Tier 1 risk-based capital ratio | 18.1736% | 1,769 |
| Total risk-based capital ratio | 19.3153% | 1,752 |
| Memoranda: | ||
| Average total assets | $200,946,500 | 2,850 |
| Average earning assets | $188,232,250 | 2,836 |
| Average equity | $23,290,000 | 2,870 |
| Average total loans | $104,189,500 | 3,205 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0538% | 4,269 |
| Cost of funding earning assets | 0.6596% | 3,359 |
| Net interest margin | 3.3942% | 3,910 |
| Noninterest income to average assets | 0.5684% | 2,295 |
| Noninterest expense to average assets | 2.8671% | 2,364 |
| Loan and lease loss provision to assets | 0.1004% | 1,867 |
| Net operating income to assets | 0.7933% | 3,682 |
| Return on assets (ROA) | 0.7873% | 3,757 |
| Pretax return on assets | 0.7883% | 4,125 |
| Return on Equity (ROE) | 6.8558% | 3,732 |
| Retained earnings to average equity (ytd only) | -0.6996% | 4,789 |
| Net charge-offs to loans | -0.0230% | 4,594 |
| Credit loss provision to net charge-offs | -833.3333% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7074% | 1,436 |
| Assets per employee ($millions) | 3.6438% | 4,318 |
| Cash dividends to net income (ytd only)* | 110.2041% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,585 |
| Loan loss allowance to noncurrent loans | 378.2152% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 3,397 |
| Noncurrent loans to loans | 0.3719% | 3,189 |
| Net loans and leases to total assets | 51.3348% | 4,398 |
| Net loans and leases to deposits | 59.6908% | 4,446 |
| Net loans and leases to core deposits | 60.5340% | 4,556 |
| Total domestic deposits to total assets | 86.0012% | 2,033 |
| Equity capital to assets | 12.1926% | 2,054 |
| Core capital (leverage) ratio | 11.6715% | 2,043 |
| Tier 1 risk-based capital ratio | 18.1471% | 1,766 |
| Total risk-based capital ratio | 19.2912% | 1,751 |
| Memoranda: | ||
| Average total assets | $199,158,670 | 2,879 |
| Average earning assets | $187,378,000 | 2,852 |
| Average equity | $22,871,000 | 2,893 |
| Average total loans | $104,549,000 | 3,214 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 4,408 |
| Cost of funding earning assets | 0.6370% | 3,370 |
| Net interest margin | 3.3427% | 4,052 |
| Noninterest income to average assets | 0.5550% | 2,259 |
| Noninterest expense to average assets | 2.7032% | 2,897 |
| Loan and lease loss provision to assets | 0.0799% | 2,098 |
| Net operating income to assets | 0.9024% | 3,226 |
| Return on assets (ROA) | 0.9044% | 3,267 |
| Pretax return on assets | 0.9064% | 3,747 |
| Return on Equity (ROE) | 8.1216% | 3,208 |
| Retained earnings to average equity (ytd only) | -4.5897% | 4,901 |
| Net charge-offs to loans | -0.1212% | 5,073 |
| Credit loss provision to net charge-offs | -125.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8208% | 1,909 |
| Assets per employee ($millions) | 3.5175% | 4,543 |
| Cash dividends to net income (ytd only)* | 156.5121% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,878 |
| Loan loss allowance to noncurrent loans | 127.8539% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6394% | 2,172 |
| Noncurrent loans to loans | 1.0548% | 1,581 |
| Net loans and leases to total assets | 51.0768% | 4,399 |
| Net loans and leases to deposits | 58.8986% | 4,465 |
| Net loans and leases to core deposits | 59.7038% | 4,575 |
| Total domestic deposits to total assets | 86.7199% | 1,948 |
| Equity capital to assets | 11.2765% | 2,582 |
| Core capital (leverage) ratio | 11.3212% | 2,271 |
| Tier 1 risk-based capital ratio | 17.8277% | 1,842 |
| Total risk-based capital ratio | 18.9287% | 1,843 |
| Memoranda: | ||
| Average total assets | $200,354,500 | 2,901 |
| Average earning assets | $187,755,000 | 2,874 |
| Average equity | $22,311,000 | 2,945 |
| Average total loans | $105,598,000 | 3,231 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 4,150 |
| Cost of funding earning assets | 0.5150% | 3,257 |
| Net interest margin | 3.4419% | 3,873 |
| Noninterest income to average assets | 0.6402% | 2,098 |
| Noninterest expense to average assets | 2.7913% | 2,723 |
| Loan and lease loss provision to assets | 0.0604% | 2,952 |
| Net operating income to assets | 0.9833% | 3,087 |
| Return on assets (ROA) | 0.9932% | 3,033 |
| Pretax return on assets | 1.0033% | 3,587 |
| Return on Equity (ROE) | 9.3293% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.5760% | 1,881 |
| Net charge-offs to loans | 0.2286% | 854 |
| Credit loss provision to net charge-offs | 50.2092% | 3,185 |
| Earnings coverage of net charge-offs (x) | 8.7531% | 2,868 |
| Efficiency ratio | 72.0985% | 1,880 |
| Assets per employee ($millions) | 3.5125% | 4,536 |
| Cash dividends to net income (ytd only)* | 29.5132% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,363 |
| Loan loss allowance to noncurrent loans | 261.6142% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 3,160 |
| Noncurrent loans to loans | 0.4730% | 2,850 |
| Net loans and leases to total assets | 52.9736% | 4,351 |
| Net loans and leases to deposits | 61.0049% | 4,427 |
| Net loans and leases to core deposits | 61.2787% | 4,572 |
| Total domestic deposits to total assets | 86.8350% | 1,854 |
| Equity capital to assets | 10.9948% | 2,694 |
| Core capital (leverage) ratio | 11.7192% | 1,934 |
| Tier 1 risk-based capital ratio | 17.9005% | 1,783 |
| Total risk-based capital ratio | 18.9385% | 1,801 |
| Memoranda: | ||
| Average total assets | $198,545,600 | 2,891 |
| Average earning assets | $184,868,600 | 2,871 |
| Average equity | $21,137,600 | 2,975 |
| Average total loans | $104,543,000 | 3,221 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 4,158 |
| Cost of funding earning assets | 0.4783% | 3,341 |
| Net interest margin | 3.4425% | 3,882 |
| Noninterest income to average assets | 0.6494% | 2,076 |
| Noninterest expense to average assets | 2.7315% | 2,870 |
| Loan and lease loss provision to assets | 0.0202% | 3,604 |
| Net operating income to assets | 1.0869% | 2,728 |
| Return on assets (ROA) | 1.0956% | 2,704 |
| Pretax return on assets | 1.1077% | 3,369 |
| Return on Equity (ROE) | 10.3764% | 2,443 |
| Retained earnings to average equity (ytd only) | 6.6988% | 2,281 |
| Net charge-offs to loans | 0.2517% | 672 |
| Credit loss provision to net charge-offs | 15.3061% | 3,038 |
| Earnings coverage of net charge-offs (x) | 8.4846% | 2,702 |
| Efficiency ratio | 70.4474% | 2,130 |
| Assets per employee ($millions) | 3.3842% | 4,700 |
| Cash dividends to net income (ytd only)* | 35.4421% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 2,395 |
| Loan loss allowance to noncurrent loans | 208.2927% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 2,859 |
| Noncurrent loans to loans | 0.5965% | 2,593 |
| Net loans and leases to total assets | 52.7872% | 4,439 |
| Net loans and leases to deposits | 60.8082% | 4,509 |
| Net loans and leases to core deposits | 61.1926% | 4,651 |
| Total domestic deposits to total assets | 86.8093% | 1,818 |
| Equity capital to assets | 10.8740% | 2,774 |
| Core capital (leverage) ratio | 11.5731% | 2,115 |
| Tier 1 risk-based capital ratio | 18.1601% | 1,756 |
| Total risk-based capital ratio | 19.1908% | 1,769 |
| Memoranda: | ||
| Average total assets | $198,128,750 | 2,908 |
| Average earning assets | $184,241,250 | 2,902 |
| Average equity | $20,918,750 | 3,025 |
| Average total loans | $103,831,500 | 3,260 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 4,137 |
| Cost of funding earning assets | 0.4710% | 3,217 |
| Net interest margin | 3.4049% | 3,939 |
| Noninterest income to average assets | 0.6114% | 2,264 |
| Noninterest expense to average assets | 2.7838% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9886% | 3,071 |
| Return on assets (ROA) | 0.9936% | 3,051 |
| Pretax return on assets | 0.9936% | 3,684 |
| Return on Equity (ROE) | 9.5025% | 2,804 |
| Retained earnings to average equity (ytd only) | 4.6221% | 3,275 |
| Net charge-offs to loans | 0.1115% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 17.0345% | 1,974 |
| Efficiency ratio | 73.7931% | 1,736 |
| Assets per employee ($millions) | 3.4380% | 4,673 |
| Cash dividends to net income (ytd only)* | 51.3595% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,951 |
| Loan loss allowance to noncurrent loans | 118.9050% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 1,921 |
| Noncurrent loans to loans | 1.1346% | 1,548 |
| Net loans and leases to total assets | 51.8661% | 4,488 |
| Net loans and leases to deposits | 60.0181% | 4,528 |
| Net loans and leases to core deposits | 60.2140% | 4,693 |
| Total domestic deposits to total assets | 86.4175% | 2,092 |
| Equity capital to assets | 10.6003% | 3,029 |
| Core capital (leverage) ratio | 11.1473% | 2,394 |
| Tier 1 risk-based capital ratio | 18.4497% | 1,684 |
| Total risk-based capital ratio | 19.6158% | 1,672 |
| Memoranda: | ||
| Average total assets | $199,871,330 | 2,899 |
| Average earning assets | $185,555,670 | 2,911 |
| Average equity | $20,899,670 | 3,034 |
| Average total loans | $104,072,670 | 3,263 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8293% | 4,134 |
| Cost of funding earning assets | 0.4450% | 3,245 |
| Net interest margin | 3.3843% | 3,934 |
| Noninterest income to average assets | 0.6144% | 2,194 |
| Noninterest expense to average assets | 2.8381% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9117% | 3,242 |
| Return on assets (ROA) | 0.9117% | 3,251 |
| Pretax return on assets | 0.9117% | 3,811 |
| Return on Equity (ROE) | 8.7774% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.2897% | 4,248 |
| Net charge-offs to loans | -0.2256% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6871% | 1,639 |
| Assets per employee ($millions) | 3.5856% | 4,558 |
| Cash dividends to net income (ytd only)* | 73.9130% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,509 |
| Loan loss allowance to noncurrent loans | 344.0639% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 3,248 |
| Noncurrent loans to loans | 0.4317% | 3,240 |
| Net loans and leases to total assets | 49.7756% | 4,575 |
| Net loans and leases to deposits | 57.1126% | 4,639 |
| Net loans and leases to core deposits | 57.2025% | 4,785 |
| Total domestic deposits to total assets | 87.1536% | 2,061 |
| Equity capital to assets | 10.2259% | 3,363 |
| Core capital (leverage) ratio | 10.7835% | 2,644 |
| Tier 1 risk-based capital ratio | 17.9520% | 1,849 |
| Total risk-based capital ratio | 19.2033% | 1,796 |
| Memoranda: | ||
| Average total assets | $201,824,000 | 2,919 |
| Average earning assets | $186,981,000 | 2,923 |
| Average equity | $20,963,000 | 3,049 |
| Average total loans | $104,594,000 | 3,278 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 3,834 |
| Cost of funding earning assets | 0.3974% | 3,283 |
| Net interest margin | 3.4702% | 3,621 |
| Noninterest income to average assets | 0.6710% | 2,090 |
| Noninterest expense to average assets | 2.7495% | 2,956 |
| Loan and lease loss provision to assets | 0.1396% | 1,640 |
| Net operating income to assets | 0.9912% | 2,289 |
| Return on assets (ROA) | 0.9722% | 2,401 |
| Pretax return on assets | 0.9886% | 3,619 |
| Return on Equity (ROE) | 9.3504% | 2,156 |
| Retained earnings to average equity (ytd only) | 6.2863% | 1,389 |
| Net charge-offs to loans | 0.3151% | 805 |
| Credit loss provision to net charge-offs | 89.7436% | 2,790 |
| Earnings coverage of net charge-offs (x) | 7.3782% | 3,053 |
| Efficiency ratio | 70.5514% | 2,462 |
| Assets per employee ($millions) | 3.7565% | 4,348 |
| Cash dividends to net income (ytd only)* | 32.7692% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,005 |
| Loan loss allowance to noncurrent loans | 237.7668% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 2,972 |
| Noncurrent loans to loans | 0.5653% | 2,806 |
| Net loans and leases to total assets | 52.3956% | 4,493 |
| Net loans and leases to deposits | 60.2891% | 4,547 |
| Net loans and leases to core deposits | 60.3829% | 4,737 |
| Total domestic deposits to total assets | 86.9073% | 2,041 |
| Equity capital to assets | 10.5461% | 3,114 |
| Core capital (leverage) ratio | 10.7128% | 2,632 |
| Tier 1 risk-based capital ratio | 17.4511% | 1,957 |
| Total risk-based capital ratio | 18.6244% | 1,928 |
| Memoranda: | ||
| Average total assets | $200,582,800 | 2,920 |
| Average earning assets | $186,475,000 | 2,902 |
| Average equity | $20,854,800 | 3,047 |
| Average total loans | $99,026,400 | 3,370 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 3,833 |
| Cost of funding earning assets | 0.3819% | 3,359 |
| Net interest margin | 3.4668% | 3,616 |
| Noninterest income to average assets | 0.6906% | 2,040 |
| Noninterest expense to average assets | 2.6051% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3023% | 1,322 |
| Return on assets (ROA) | 1.2765% | 1,440 |
| Pretax return on assets | 1.2905% | 2,538 |
| Return on Equity (ROE) | 12.3226% | 1,237 |
| Retained earnings to average equity (ytd only) | 8.2108% | 1,130 |
| Net charge-offs to loans | 0.0441% | 2,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 61.7124% | 976 |
| Efficiency ratio | 66.4287% | 3,138 |
| Assets per employee ($millions) | 3.6854% | 4,469 |
| Cash dividends to net income (ytd only)* | 33.3682% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 1,969 |
| Loan loss allowance to noncurrent loans | 485.5705% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3718% | 3,541 |
| Noncurrent loans to loans | 0.2845% | 3,927 |
| Net loans and leases to total assets | 51.9062% | 4,575 |
| Net loans and leases to deposits | 60.4733% | 4,613 |
| Net loans and leases to core deposits | 60.5704% | 4,788 |
| Total domestic deposits to total assets | 85.8333% | 2,378 |
| Equity capital to assets | 11.0291% | 2,835 |
| Core capital (leverage) ratio | 10.8733% | 2,577 |
| Tier 1 risk-based capital ratio | 17.7672% | 1,922 |
| Total risk-based capital ratio | 18.9632% | 1,880 |
| Memoranda: | ||
| Average total assets | $200,015,250 | 2,950 |
| Average earning assets | $186,411,750 | 2,925 |
| Average equity | $20,720,250 | 3,081 |
| Average total loans | $96,849,500 | 3,428 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 3,822 |
| Cost of funding earning assets | 0.3710% | 3,370 |
| Net interest margin | 3.4504% | 3,590 |
| Noninterest income to average assets | 0.6808% | 2,080 |
| Noninterest expense to average assets | 2.6853% | 3,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2169% | 1,546 |
| Return on assets (ROA) | 1.1789% | 1,704 |
| Pretax return on assets | 1.1789% | 2,858 |
| Return on Equity (ROE) | 11.6294% | 1,412 |
| Retained earnings to average equity (ytd only) | 6.8142% | 1,681 |
| Net charge-offs to loans | -0.0064% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8156% | 2,870 |
| Assets per employee ($millions) | 3.6818% | 4,463 |
| Cash dividends to net income (ytd only)* | 41.4056% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,575 |
| Loan loss allowance to noncurrent loans | 342.2633% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3973% | 3,521 |
| Noncurrent loans to loans | 0.4386% | 3,441 |
| Net loans and leases to total assets | 48.9085% | 4,770 |
| Net loans and leases to deposits | 56.8018% | 4,816 |
| Net loans and leases to core deposits | 56.8925% | 4,962 |
| Total domestic deposits to total assets | 86.1039% | 2,335 |
| Equity capital to assets | 10.7913% | 3,041 |
| Core capital (leverage) ratio | 10.6072% | 2,805 |
| Tier 1 risk-based capital ratio | 18.0839% | 1,833 |
| Total risk-based capital ratio | 19.3339% | 1,788 |
| Memoranda: | ||
| Average total assets | $200,350,670 | 2,967 |
| Average earning assets | $187,052,000 | 2,941 |
| Average equity | $20,310,670 | 3,123 |
| Average total loans | $94,217,670 | 3,492 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6750% | 4,184 |
| Cost of funding earning assets | 0.3686% | 3,331 |
| Net interest margin | 3.3064% | 3,985 |
| Noninterest income to average assets | 0.7379% | 1,790 |
| Noninterest expense to average assets | 2.7148% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1098% | 1,829 |
| Return on assets (ROA) | 1.1237% | 1,814 |
| Pretax return on assets | 1.1237% | 2,891 |
| Return on Equity (ROE) | 11.4497% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.8028% | 3,010 |
| Net charge-offs to loans | -0.0565% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9828% | 2,741 |
| Assets per employee ($millions) | 3.6525% | 4,572 |
| Cash dividends to net income (ytd only)* | 58.0531% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,393 |
| Loan loss allowance to noncurrent loans | 305.7377% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 3,498 |
| Noncurrent loans to loans | 0.5218% | 3,250 |
| Net loans and leases to total assets | 45.8101% | 4,949 |
| Net loans and leases to deposits | 52.4392% | 5,016 |
| Net loans and leases to core deposits | 52.5209% | 5,126 |
| Total domestic deposits to total assets | 87.3585% | 2,047 |
| Equity capital to assets | 9.9400% | 3,828 |
| Core capital (leverage) ratio | 10.1132% | 3,360 |
| Tier 1 risk-based capital ratio | 18.0067% | 1,873 |
| Total risk-based capital ratio | 19.2576% | 1,831 |
| Memoranda: | ||
| Average total assets | $201,117,000 | 2,986 |
| Average earning assets | $187,756,500 | 2,963 |
| Average equity | $19,738,500 | 3,200 |
| Average total loans | $91,966,000 | 3,556 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 4,118 |
| Cost of funding earning assets | 0.3909% | 3,093 |
| Net interest margin | 3.3413% | 4,025 |
| Noninterest income to average assets | 0.6784% | 2,271 |
| Noninterest expense to average assets | 2.8464% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8455% | 3,083 |
| Return on assets (ROA) | 0.8735% | 3,070 |
| Pretax return on assets | 0.8824% | 3,905 |
| Return on Equity (ROE) | 8.1386% | 2,868 |
| Retained earnings to average equity (ytd only) | -18.8064% | 5,852 |
| Net charge-offs to loans | 0.0846% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,705 |
| Efficiency ratio | 76.9187% | 1,863 |
| Assets per employee ($millions) | 3.7287% | 4,430 |
| Cash dividends to net income (ytd only)* | 331.0778% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 1,291 |
| Loan loss allowance to noncurrent loans | 248.1544% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 3,362 |
| Noncurrent loans to loans | 0.6592% | 2,880 |
| Net loans and leases to total assets | 44.1698% | 5,104 |
| Net loans and leases to deposits | 50.7776% | 5,177 |
| Net loans and leases to core deposits | 50.8569% | 5,272 |
| Total domestic deposits to total assets | 86.9867% | 2,154 |
| Equity capital to assets | 9.6892% | 4,085 |
| Core capital (leverage) ratio | 10.0004% | 3,481 |
| Tier 1 risk-based capital ratio | 18.5972% | 1,700 |
| Total risk-based capital ratio | 19.8488% | 1,669 |
| Memoranda: | ||
| Average total assets | $191,189,200 | 3,047 |
| Average earning assets | $172,928,000 | 3,080 |
| Average equity | $20,519,600 | 3,117 |
| Average total loans | $83,931,000 | 3,711 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 4,089 |
| Cost of funding earning assets | 0.3841% | 3,185 |
| Net interest margin | 3.3634% | 3,982 |
| Noninterest income to average assets | 0.7152% | 2,102 |
| Noninterest expense to average assets | 2.8574% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8714% | 3,045 |
| Return on assets (ROA) | 0.9054% | 3,013 |
| Pretax return on assets | 0.9054% | 3,961 |
| Return on Equity (ROE) | 8.2223% | 2,893 |
| Retained earnings to average equity (ytd only) | -27.2665% | 5,939 |
| Net charge-offs to loans | 0.1231% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.2238% | 2,130 |
| Efficiency ratio | 76.6300% | 1,888 |
| Assets per employee ($millions) | 3.7831% | 4,336 |
| Cash dividends to net income (ytd only)* | 431.6155% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6594% | 1,305 |
| Loan loss allowance to noncurrent loans | 496.2963% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 4,095 |
| Noncurrent loans to loans | 0.3344% | 4,055 |
| Net loans and leases to total assets | 43.5681% | 5,220 |
| Net loans and leases to deposits | 50.4907% | 5,273 |
| Net loans and leases to core deposits | 50.5705% | 5,362 |
| Total domestic deposits to total assets | 86.2894% | 2,223 |
| Equity capital to assets | 10.7979% | 3,247 |
| Core capital (leverage) ratio | 9.9088% | 3,684 |
| Tier 1 risk-based capital ratio | 17.6572% | 2,023 |
| Total risk-based capital ratio | 18.9076% | 1,980 |
| Memoranda: | ||
| Average total assets | $188,649,500 | 3,084 |
| Average earning assets | $169,031,750 | 3,138 |
| Average equity | $20,772,250 | 3,115 |
| Average total loans | $82,310,250 | 3,773 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,405 |
| Cost of funding earning assets | 0.3634% | 3,419 |
| Net interest margin | 3.2997% | 4,231 |
| Noninterest income to average assets | 0.7645% | 1,865 |
| Noninterest expense to average assets | 3.0731% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6216% | 4,181 |
| Return on assets (ROA) | 0.6421% | 4,220 |
| Pretax return on assets | 0.6421% | 4,780 |
| Return on Equity (ROE) | 5.7911% | 4,144 |
| Retained earnings to average equity (ytd only) | -47.4031% | 6,035 |
| Net charge-offs to loans | 0.0499% | 2,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 28.7000% | 1,424 |
| Efficiency ratio | 83.1770% | 1,127 |
| Assets per employee ($millions) | 4.0087% | 3,887 |
| Cash dividends to net income (ytd only)* | 918.5497% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 1,149 |
| Loan loss allowance to noncurrent loans | 805.2632% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 3,729 |
| Noncurrent loans to loans | 0.2192% | 4,561 |
| Net loans and leases to total assets | 42.4869% | 5,313 |
| Net loans and leases to deposits | 49.7514% | 5,347 |
| Net loans and leases to core deposits | 49.8306% | 5,442 |
| Total domestic deposits to total assets | 85.3983% | 2,687 |
| Equity capital to assets | 10.5520% | 3,577 |
| Core capital (leverage) ratio | 9.6047% | 4,063 |
| Tier 1 risk-based capital ratio | 17.8062% | 1,990 |
| Total risk-based capital ratio | 19.0579% | 1,949 |
| Memoranda: | ||
| Average total assets | $184,698,670 | 3,136 |
| Average earning assets | $164,014,670 | 3,221 |
| Average equity | $20,479,670 | 3,146 |
| Average total loans | $80,137,330 | 3,839 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 4,395 |
| Cost of funding earning assets | 0.3589% | 3,515 |
| Net interest margin | 3.3203% | 4,142 |
| Noninterest income to average assets | 0.6424% | 2,304 |
| Noninterest expense to average assets | 2.9995% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6356% | 4,036 |
| Return on assets (ROA) | 0.6741% | 3,973 |
| Pretax return on assets | 0.6741% | 4,611 |
| Return on Equity (ROE) | 5.9172% | 4,025 |
| Retained earnings to average equity (ytd only) | -2.7005% | 5,448 |
| Net charge-offs to loans | -0.0052% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5140% | 1,327 |
| Assets per employee ($millions) | 3.5542% | 4,737 |
| Cash dividends to net income (ytd only)* | 145.6376% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0349% | 776 |
| Loan loss allowance to noncurrent loans | 756.5854% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 3,459 |
| Noncurrent loans to loans | 0.2690% | 4,471 |
| Net loans and leases to total assets | 42.0170% | 5,349 |
| Net loans and leases to deposits | 49.7177% | 5,357 |
| Net loans and leases to core deposits | 49.8082% | 5,444 |
| Total domestic deposits to total assets | 84.5112% | 3,313 |
| Equity capital to assets | 11.4001% | 2,534 |
| Core capital (leverage) ratio | 10.7211% | 2,698 |
| Tier 1 risk-based capital ratio | 20.6406% | 1,377 |
| Total risk-based capital ratio | 21.8954% | 1,353 |
| Memoranda: | ||
| Average total assets | $176,830,000 | 3,234 |
| Average earning assets | $159,383,500 | 3,293 |
| Average equity | $20,144,500 | 3,182 |
| Average total loans | $76,861,500 | 3,945 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6799% | 4,427 |
| Cost of funding earning assets | 0.3736% | 3,441 |
| Net interest margin | 3.3063% | 4,279 |
| Noninterest income to average assets | 0.6984% | 2,210 |
| Noninterest expense to average assets | 2.8984% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8019% | 3,328 |
| Return on assets (ROA) | 0.7845% | 3,479 |
| Pretax return on assets | 0.7965% | 4,201 |
| Return on Equity (ROE) | 6.9762% | 3,524 |
| Retained earnings to average equity (ytd only) | 3.7646% | 3,363 |
| Net charge-offs to loans | -0.4211% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0698% | 1,958 |
| Assets per employee ($millions) | 3.5190% | 4,803 |
| Cash dividends to net income (ytd only)* | 46.0364% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 803 |
| Loan loss allowance to noncurrent loans | 605.4688% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 2,914 |
| Noncurrent loans to loans | 0.3303% | 4,278 |
| Net loans and leases to total assets | 43.1677% | 5,334 |
| Net loans and leases to deposits | 50.9789% | 5,338 |
| Net loans and leases to core deposits | 51.3331% | 5,438 |
| Total domestic deposits to total assets | 84.6776% | 3,220 |
| Equity capital to assets | 11.3839% | 2,459 |
| Core capital (leverage) ratio | 11.0264% | 2,377 |
| Tier 1 risk-based capital ratio | 20.9331% | 1,313 |
| Total risk-based capital ratio | 22.1881% | 1,289 |
| Memoranda: | ||
| Average total assets | $175,267,000 | 3,228 |
| Average earning assets | $159,785,400 | 3,257 |
| Average equity | $19,709,800 | 3,202 |
| Average total loans | $74,570,200 | 3,981 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,552 |
| Cost of funding earning assets | 0.3708% | 3,540 |
| Net interest margin | 3.2871% | 4,405 |
| Noninterest income to average assets | 0.7097% | 2,185 |
| Noninterest expense to average assets | 2.9119% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7785% | 3,533 |
| Return on assets (ROA) | 0.7554% | 3,756 |
| Pretax return on assets | 0.7714% | 4,421 |
| Return on Equity (ROE) | 6.7379% | 3,764 |
| Retained earnings to average equity (ytd only) | 2.4384% | 4,655 |
| Net charge-offs to loans | -0.5905% | 6,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5538% | 1,882 |
| Assets per employee ($millions) | 3.4959% | 4,794 |
| Cash dividends to net income (ytd only)* | 63.8107% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0934% | 782 |
| Loan loss allowance to noncurrent loans | 538.9655% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.8593% | 2,732 |
| Noncurrent loans to loans | 0.3884% | 4,223 |
| Net loans and leases to total assets | 42.6742% | 5,451 |
| Net loans and leases to deposits | 50.4597% | 5,454 |
| Net loans and leases to core deposits | 50.8200% | 5,549 |
| Total domestic deposits to total assets | 84.5707% | 3,188 |
| Equity capital to assets | 11.4625% | 2,535 |
| Core capital (leverage) ratio | 11.0547% | 2,426 |
| Tier 1 risk-based capital ratio | 20.7765% | 1,389 |
| Total risk-based capital ratio | 22.0319% | 1,359 |
| Memoranda: | ||
| Average total assets | $175,096,000 | 3,258 |
| Average earning assets | $159,651,250 | 3,291 |
| Average equity | $19,629,750 | 3,238 |
| Average total loans | $73,836,750 | 4,036 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,554 |
| Cost of funding earning assets | 0.3712% | 3,586 |
| Net interest margin | 3.2851% | 4,353 |
| Noninterest income to average assets | 0.7144% | 2,156 |
| Noninterest expense to average assets | 2.8158% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8891% | 2,945 |
| Return on assets (ROA) | 0.8165% | 3,408 |
| Pretax return on assets | 0.8165% | 4,268 |
| Return on Equity (ROE) | 7.3365% | 3,415 |
| Retained earnings to average equity (ytd only) | 1.5182% | 4,941 |
| Net charge-offs to loans | -0.4513% | 6,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0024% | 2,355 |
| Assets per employee ($millions) | 3.5132% | 4,761 |
| Cash dividends to net income (ytd only)* | 79.3056% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 1,097 |
| Loan loss allowance to noncurrent loans | 438.1250% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8179% | 2,932 |
| Noncurrent loans to loans | 0.4419% | 4,157 |
| Net loans and leases to total assets | 41.2544% | 5,557 |
| Net loans and leases to deposits | 48.9155% | 5,561 |
| Net loans and leases to core deposits | 49.2637% | 5,638 |
| Total domestic deposits to total assets | 84.3380% | 3,425 |
| Equity capital to assets | 11.2089% | 2,664 |
| Core capital (leverage) ratio | 9.7491% | 3,940 |
| Tier 1 risk-based capital ratio | 18.6366% | 1,886 |
| Total risk-based capital ratio | 19.9157% | 1,841 |
| Memoranda: | ||
| Average total assets | $176,362,000 | 3,263 |
| Average earning assets | $160,543,000 | 3,297 |
| Average equity | $19,628,000 | 3,256 |
| Average total loans | $73,561,330 | 4,071 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5444% | 4,844 |
| Cost of funding earning assets | 0.3743% | 3,598 |
| Net interest margin | 3.1701% | 4,715 |
| Noninterest income to average assets | 0.6970% | 2,170 |
| Noninterest expense to average assets | 2.7299% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8338% | 3,091 |
| Return on assets (ROA) | 0.8338% | 3,218 |
| Pretax return on assets | 0.8338% | 4,115 |
| Return on Equity (ROE) | 7.5174% | 3,212 |
| Retained earnings to average equity (ytd only) | 0.2223% | 5,294 |
| Net charge-offs to loans | -0.5342% | 6,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6038% | 2,411 |
| Assets per employee ($millions) | 3.5580% | 4,801 |
| Cash dividends to net income (ytd only)* | 97.0430% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8491% | 1,396 |
| Loan loss allowance to noncurrent loans | 344.9612% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 2,904 |
| Noncurrent loans to loans | 0.5360% | 3,971 |
| Net loans and leases to total assets | 39.8334% | 5,607 |
| Net loans and leases to deposits | 46.6997% | 5,633 |
| Net loans and leases to core deposits | 47.0967% | 5,713 |
| Total domestic deposits to total assets | 85.2969% | 3,268 |
| Equity capital to assets | 11.2799% | 2,673 |
| Core capital (leverage) ratio | 10.4214% | 3,074 |
| Tier 1 risk-based capital ratio | 20.6506% | 1,491 |
| Total risk-based capital ratio | 21.8996% | 1,457 |
| Memoranda: | ||
| Average total assets | $178,468,500 | 3,258 |
| Average earning assets | $161,382,500 | 3,303 |
| Average equity | $19,794,000 | 3,253 |
| Average total loans | $74,131,500 | 4,078 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,810 |
| Cost of funding earning assets | 0.4068% | 3,622 |
| Net interest margin | 3.2831% | 4,641 |
| Noninterest income to average assets | 0.8454% | 1,697 |
| Noninterest expense to average assets | 2.7920% | 3,510 |
| Loan and lease loss provision to assets | 0.0673% | 3,147 |
| Net operating income to assets | 0.9971% | 2,393 |
| Return on assets (ROA) | 0.9037% | 2,942 |
| Pretax return on assets | 0.9178% | 3,840 |
| Return on Equity (ROE) | 9.1876% | 2,491 |
| Retained earnings to average equity (ytd only) | 5.8648% | 2,011 |
| Net charge-offs to loans | 0.0618% | 3,610 |
| Credit loss provision to net charge-offs | 266.6667% | 960 |
| Earnings coverage of net charge-offs (x) | 42.8222% | 1,026 |
| Efficiency ratio | 72.1008% | 3,192 |
| Assets per employee ($millions) | 3.4430% | 4,985 |
| Cash dividends to net income (ytd only)* | 36.1663% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,011 |
| Loan loss allowance to noncurrent loans | 282.1918% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 3,013 |
| Noncurrent loans to loans | 0.5758% | 3,944 |
| Net loans and leases to total assets | 41.7949% | 5,633 |
| Net loans and leases to deposits | 48.4374% | 5,660 |
| Net loans and leases to core deposits | 48.8414% | 5,771 |
| Total domestic deposits to total assets | 86.2866% | 2,681 |
| Equity capital to assets | 10.9034% | 3,007 |
| Core capital (leverage) ratio | 10.3214% | 3,142 |
| Tier 1 risk-based capital ratio | 19.7357% | 1,655 |
| Total risk-based capital ratio | 20.9862% | 1,623 |
| Memoranda: | ||
| Average total assets | $178,368,600 | 3,225 |
| Average earning assets | $164,450,600 | 3,225 |
| Average equity | $17,545,400 | 3,445 |
| Average total loans | $72,873,200 | 4,097 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,942 |
| Cost of funding earning assets | 0.4046% | 3,740 |
| Net interest margin | 3.2651% | 4,741 |
| Noninterest income to average assets | 0.8410% | 1,741 |
| Noninterest expense to average assets | 2.7975% | 3,469 |
| Loan and lease loss provision to assets | 0.0898% | 2,559 |
| Net operating income to assets | 0.9668% | 2,613 |
| Return on assets (ROA) | 0.8342% | 3,353 |
| Pretax return on assets | 0.8387% | 4,222 |
| Return on Equity (ROE) | 8.7185% | 2,827 |
| Retained earnings to average equity (ytd only) | 4.1599% | 3,694 |
| Net charge-offs to loans | 0.0610% | 3,336 |
| Credit loss provision to net charge-offs | 363.6364% | 775 |
| Earnings coverage of net charge-offs (x) | 43.0293% | 1,079 |
| Efficiency ratio | 72.4753% | 3,093 |
| Assets per employee ($millions) | 3.5640% | 4,747 |
| Cash dividends to net income (ytd only)* | 52.2867% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 2,049 |
| Loan loss allowance to noncurrent loans | 180.6078% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 2,992 |
| Noncurrent loans to loans | 0.9279% | 3,247 |
| Net loans and leases to total assets | 40.2825% | 5,794 |
| Net loans and leases to deposits | 47.9640% | 5,763 |
| Net loans and leases to core deposits | 48.3683% | 5,868 |
| Total domestic deposits to total assets | 83.9847% | 3,773 |
| Equity capital to assets | 10.1258% | 4,016 |
| Core capital (leverage) ratio | 10.1857% | 3,429 |
| Tier 1 risk-based capital ratio | 19.2335% | 1,848 |
| Total risk-based capital ratio | 20.4845% | 1,816 |
| Memoranda: | ||
| Average total assets | $178,201,750 | 3,252 |
| Average earning assets | $164,768,250 | 3,251 |
| Average equity | $17,051,500 | 3,539 |
| Average total loans | $72,075,500 | 4,155 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6820% | 4,918 |
| Cost of funding earning assets | 0.4076% | 3,796 |
| Net interest margin | 3.2744% | 4,685 |
| Noninterest income to average assets | 0.8214% | 1,758 |
| Noninterest expense to average assets | 2.8325% | 3,394 |
| Loan and lease loss provision to assets | 0.1356% | 1,827 |
| Net operating income to assets | 0.8756% | 2,930 |
| Return on assets (ROA) | 0.6180% | 4,361 |
| Pretax return on assets | 0.6180% | 4,901 |
| Return on Equity (ROE) | 6.5902% | 3,841 |
| Retained earnings to average equity (ytd only) | 0.5663% | 5,515 |
| Net charge-offs to loans | 0.1627% | 2,091 |
| Credit loss provision to net charge-offs | 206.8966% | 1,133 |
| Earnings coverage of net charge-offs (x) | 15.4310% | 1,849 |
| Efficiency ratio | 73.6919% | 3,027 |
| Assets per employee ($millions) | 3.2286% | 5,379 |
| Cash dividends to net income (ytd only)* | 91.4077% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7269% | 2,048 |
| Loan loss allowance to noncurrent loans | 112.5115% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 3,055 |
| Noncurrent loans to loans | 1.5349% | 2,261 |
| Net loans and leases to total assets | 39.1938% | 5,883 |
| Net loans and leases to deposits | 45.5893% | 5,903 |
| Net loans and leases to core deposits | 45.9733% | 5,998 |
| Total domestic deposits to total assets | 85.9715% | 3,056 |
| Equity capital to assets | 9.9519% | 4,176 |
| Core capital (leverage) ratio | 9.9563% | 3,670 |
| Tier 1 risk-based capital ratio | 19.6345% | 1,774 |
| Total risk-based capital ratio | 20.8856% | 1,745 |
| Memoranda: | ||
| Average total assets | $177,014,330 | 3,282 |
| Average earning assets | $163,390,330 | 3,279 |
| Average equity | $16,600,330 | 3,599 |
| Average total loans | $71,278,330 | 4,192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 5,169 |
| Cost of funding earning assets | 0.4076% | 3,873 |
| Net interest margin | 3.1921% | 4,944 |
| Noninterest income to average assets | 0.7673% | 1,883 |
| Noninterest expense to average assets | 2.9807% | 2,933 |
| Loan and lease loss provision to assets | 0.1358% | 1,785 |
| Net operating income to assets | 0.6111% | 4,149 |
| Return on assets (ROA) | 0.6088% | 4,236 |
| Pretax return on assets | 0.6088% | 4,803 |
| Return on Equity (ROE) | 6.6980% | 3,638 |
| Retained earnings to average equity (ytd only) | -2.3157% | 5,888 |
| Net charge-offs to loans | -0.0112% | 5,094 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9636% | 2,215 |
| Assets per employee ($millions) | 3.3525% | 5,252 |
| Cash dividends to net income (ytd only)* | 134.5725% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 2,218 |
| Loan loss allowance to noncurrent loans | 83.9973% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.2134% | 2,838 |
| Noncurrent loans to loans | 2.0727% | 1,783 |
| Net loans and leases to total assets | 38.8471% | 5,882 |
| Net loans and leases to deposits | 44.5253% | 5,944 |
| Net loans and leases to core deposits | 44.8940% | 6,040 |
| Total domestic deposits to total assets | 87.2474% | 2,667 |
| Equity capital to assets | 9.3325% | 4,722 |
| Core capital (leverage) ratio | 9.8663% | 3,766 |
| Tier 1 risk-based capital ratio | 19.0630% | 1,946 |
| Total risk-based capital ratio | 20.3135% | 1,915 |
| Memoranda: | ||
| Average total assets | $176,734,500 | 3,311 |
| Average earning assets | $163,902,500 | 3,295 |
| Average equity | $16,064,500 | 3,687 |
| Average total loans | $71,507,000 | 4,219 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7227% | 5,058 |
| Cost of funding earning assets | 0.4600% | 4,022 |
| Net interest margin | 3.2627% | 4,796 |
| Noninterest income to average assets | 0.8663% | 1,798 |
| Noninterest expense to average assets | 2.9569% | 3,172 |
| Loan and lease loss provision to assets | 0.1151% | 2,886 |
| Net operating income to assets | 0.7868% | 3,359 |
| Return on assets (ROA) | 0.7846% | 3,477 |
| Pretax return on assets | 0.7886% | 4,190 |
| Return on Equity (ROE) | 7.9472% | 3,050 |
| Retained earnings to average equity (ytd only) | 3.5567% | 3,684 |
| Net charge-offs to loans | 0.0614% | 4,352 |
| Credit loss provision to net charge-offs | 476.1905% | 485 |
| Earnings coverage of net charge-offs (x) | 37.4762% | 1,001 |
| Efficiency ratio | 76.5460% | 2,696 |
| Assets per employee ($millions) | 3.3805% | 5,135 |
| Cash dividends to net income (ytd only)* | 55.2458% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 2,782 |
| Loan loss allowance to noncurrent loans | 82.6335% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1980% | 3,006 |
| Noncurrent loans to loans | 1.9308% | 2,074 |
| Net loans and leases to total assets | 40.7343% | 5,913 |
| Net loans and leases to deposits | 46.7152% | 5,966 |
| Net loans and leases to core deposits | 47.1061% | 6,087 |
| Total domestic deposits to total assets | 87.1971% | 2,624 |
| Equity capital to assets | 8.8442% | 5,208 |
| Core capital (leverage) ratio | 10.0332% | 3,514 |
| Tier 1 risk-based capital ratio | 19.2385% | 1,851 |
| Total risk-based capital ratio | 20.4217% | 1,835 |
| Memoranda: | ||
| Average total assets | $173,727,000 | 3,350 |
| Average earning assets | $159,562,200 | 3,355 |
| Average equity | $17,150,800 | 3,541 |
| Average total loans | $68,431,200 | 4,324 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 5,094 |
| Cost of funding earning assets | 0.4642% | 4,125 |
| Net interest margin | 3.2618% | 4,783 |
| Noninterest income to average assets | 0.8798% | 1,823 |
| Noninterest expense to average assets | 2.8542% | 3,467 |
| Loan and lease loss provision to assets | 0.1078% | 2,963 |
| Net operating income to assets | 0.9091% | 2,786 |
| Return on assets (ROA) | 0.9060% | 2,914 |
| Pretax return on assets | 0.9060% | 3,855 |
| Return on Equity (ROE) | 8.9409% | 2,662 |
| Retained earnings to average equity (ytd only) | 3.2133% | 4,390 |
| Net charge-offs to loans | 0.0297% | 4,537 |
| Credit loss provision to net charge-offs | 933.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 88.0645% | 548 |
| Efficiency ratio | 73.7324% | 3,107 |
| Assets per employee ($millions) | 3.2216% | 5,452 |
| Cash dividends to net income (ytd only)* | 64.0615% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 2,706 |
| Loan loss allowance to noncurrent loans | 76.2162% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2887% | 3,068 |
| Noncurrent loans to loans | 2.1988% | 2,013 |
| Net loans and leases to total assets | 38.0418% | 6,173 |
| Net loans and leases to deposits | 43.7317% | 6,217 |
| Net loans and leases to core deposits | 44.0288% | 6,299 |
| Total domestic deposits to total assets | 86.9891% | 2,698 |
| Equity capital to assets | 8.9821% | 5,209 |
| Core capital (leverage) ratio | 9.9873% | 3,696 |
| Tier 1 risk-based capital ratio | 19.8583% | 1,767 |
| Total risk-based capital ratio | 21.1087% | 1,738 |
| Memoranda: | ||
| Average total assets | $173,211,750 | 3,385 |
| Average earning assets | $158,847,000 | 3,395 |
| Average equity | $17,551,750 | 3,520 |
| Average total loans | $67,347,250 | 4,395 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 5,057 |
| Cost of funding earning assets | 0.4707% | 4,199 |
| Net interest margin | 3.2587% | 4,737 |
| Noninterest income to average assets | 0.8939% | 1,828 |
| Noninterest expense to average assets | 2.8839% | 3,382 |
| Loan and lease loss provision to assets | 0.0925% | 3,243 |
| Net operating income to assets | 0.9112% | 2,739 |
| Return on assets (ROA) | 0.9054% | 2,905 |
| Pretax return on assets | 0.9054% | 3,888 |
| Return on Equity (ROE) | 8.6074% | 2,794 |
| Retained earnings to average equity (ytd only) | 1.0553% | 5,476 |
| Net charge-offs to loans | -0.0802% | 6,433 |
| Credit loss provision to net charge-offs | -296.2963% | 5,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1820% | 3,090 |
| Assets per employee ($millions) | 3.2228% | 5,428 |
| Cash dividends to net income (ytd only)* | 87.7395% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 2,772 |
| Loan loss allowance to noncurrent loans | 70.2087% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3515% | 3,072 |
| Noncurrent loans to loans | 2.4252% | 1,931 |
| Net loans and leases to total assets | 36.8208% | 6,250 |
| Net loans and leases to deposits | 42.5888% | 6,300 |
| Net loans and leases to core deposits | 42.7365% | 6,375 |
| Total domestic deposits to total assets | 86.4565% | 3,138 |
| Equity capital to assets | 9.7223% | 4,268 |
| Core capital (leverage) ratio | 9.7569% | 3,858 |
| Tier 1 risk-based capital ratio | 19.8868% | 1,745 |
| Total risk-based capital ratio | 21.1374% | 1,720 |
| Memoranda: | ||
| Average total assets | $172,959,330 | 3,412 |
| Average earning assets | $158,898,000 | 3,415 |
| Average equity | $18,193,670 | 3,444 |
| Average total loans | $67,360,000 | 4,408 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 4,766 |
| Cost of funding earning assets | 0.4789% | 4,291 |
| Net interest margin | 3.3394% | 4,355 |
| Noninterest income to average assets | 0.8746% | 1,846 |
| Noninterest expense to average assets | 3.0042% | 2,978 |
| Loan and lease loss provision to assets | 0.0696% | 3,471 |
| Net operating income to assets | 0.8584% | 2,872 |
| Return on assets (ROA) | 0.8584% | 2,998 |
| Pretax return on assets | 0.8584% | 3,920 |
| Return on Equity (ROE) | 7.8596% | 3,044 |
| Retained earnings to average equity (ytd only) | -3.9298% | 6,270 |
| Net charge-offs to loans | -0.3097% | 6,786 |
| Credit loss provision to net charge-offs | -56.6038% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4012% | 2,864 |
| Assets per employee ($millions) | 3.2077% | 5,609 |
| Cash dividends to net income (ytd only)* | 150.0000% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 3,074 |
| Loan loss allowance to noncurrent loans | 105.0290% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.0401% | 3,856 |
| Noncurrent loans to loans | 1.6040% | 3,137 |
| Net loans and leases to total assets | 35.9247% | 6,298 |
| Net loans and leases to deposits | 41.2551% | 6,362 |
| Net loans and leases to core deposits | 41.5306% | 6,417 |
| Total domestic deposits to total assets | 87.0793% | 2,918 |
| Equity capital to assets | 10.4834% | 3,560 |
| Core capital (leverage) ratio | 9.5693% | 3,977 |
| Tier 1 risk-based capital ratio | 20.0172% | 1,765 |
| Total risk-based capital ratio | 21.2672% | 1,739 |
| Memoranda: | ||
| Average total assets | $172,423,000 | 3,461 |
| Average earning assets | $157,873,000 | 3,469 |
| Average equity | $18,830,500 | 3,397 |
| Average total loans | $68,445,000 | 4,401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 4,596 |
| Cost of funding earning assets | 0.5934% | 4,411 |
| Net interest margin | 3.6048% | 4,059 |
| Noninterest income to average assets | 0.9897% | 1,562 |
| Noninterest expense to average assets | 2.9038% | 3,620 |
| Loan and lease loss provision to assets | 0.9072% | 495 |
| Net operating income to assets | 0.4873% | 4,731 |
| Return on assets (ROA) | 0.5208% | 4,867 |
| Pretax return on assets | 0.5302% | 5,195 |
| Return on Equity (ROE) | 4.7616% | 4,808 |
| Retained earnings to average equity (ytd only) | 2.8764% | 4,221 |
| Net charge-offs to loans | 2.0031% | 361 |
| Credit loss provision to net charge-offs | 103.2864% | 2,904 |
| Earnings coverage of net charge-offs (x) | 1.5976% | 4,647 |
| Efficiency ratio | 67.4190% | 4,245 |
| Assets per employee ($millions) | 3.1190% | 5,807 |
| Cash dividends to net income (ytd only)* | 39.5928% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,239 |
| Loan loss allowance to noncurrent loans | 87.2933% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 3,744 |
| Noncurrent loans to loans | 1.5865% | 3,243 |
| Net loans and leases to total assets | 42.4061% | 5,957 |
| Net loans and leases to deposits | 48.7166% | 6,056 |
| Net loans and leases to core deposits | 49.0573% | 6,205 |
| Total domestic deposits to total assets | 87.0464% | 2,822 |
| Equity capital to assets | 11.3796% | 2,556 |
| Core capital (leverage) ratio | 10.0626% | 3,325 |
| Tier 1 risk-based capital ratio | 18.6764% | 2,054 |
| Total risk-based capital ratio | 19.7794% | 2,063 |
| Memoranda: | ||
| Average total assets | $169,745,400 | 3,458 |
| Average earning assets | $156,207,800 | 3,440 |
| Average equity | $18,565,000 | 3,391 |
| Average total loans | $74,434,800 | 4,193 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 4,725 |
| Cost of funding earning assets | 0.6149% | 4,498 |
| Net interest margin | 3.6108% | 4,190 |
| Noninterest income to average assets | 0.9564% | 1,652 |
| Noninterest expense to average assets | 2.8246% | 3,892 |
| Loan and lease loss provision to assets | 1.4033% | 233 |
| Net operating income to assets | 0.0348% | 6,231 |
| Return on assets (ROA) | 0.0517% | 6,344 |
| Pretax return on assets | 0.0643% | 6,319 |
| Return on Equity (ROE) | 0.4779% | 6,342 |
| Retained earnings to average equity (ytd only) | -1.7956% | 6,370 |
| Net charge-offs to loans | 3.0460% | 177 |
| Credit loss provision to net charge-offs | 104.5561% | 2,819 |
| Earnings coverage of net charge-offs (x) | 1.0777% | 4,770 |
| Efficiency ratio | 66.1344% | 4,425 |
| Assets per employee ($millions) | 3.1040% | 5,841 |
| Cash dividends to net income (ytd only)* | 475.7500% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,453 |
| Loan loss allowance to noncurrent loans | 63.1966% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 3,377 |
| Noncurrent loans to loans | 2.1864% | 2,637 |
| Net loans and leases to total assets | 43.9434% | 5,974 |
| Net loans and leases to deposits | 51.0950% | 6,034 |
| Net loans and leases to core deposits | 51.4584% | 6,216 |
| Total domestic deposits to total assets | 86.0033% | 3,259 |
| Equity capital to assets | 11.1384% | 3,112 |
| Core capital (leverage) ratio | 9.6396% | 4,059 |
| Tier 1 risk-based capital ratio | 17.3447% | 2,595 |
| Total risk-based capital ratio | 18.4496% | 2,605 |
| Memoranda: | ||
| Average total assets | $170,075,750 | 3,485 |
| Average earning assets | $156,118,250 | 3,487 |
| Average equity | $18,414,750 | 3,447 |
| Average total loans | $74,937,250 | 4,231 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 4,788 |
| Cost of funding earning assets | 0.6434% | 4,498 |
| Net interest margin | 3.6004% | 4,256 |
| Noninterest income to average assets | 0.9480% | 1,621 |
| Noninterest expense to average assets | 2.8485% | 3,838 |
| Loan and lease loss provision to assets | 2.0949% | 132 |
| Net operating income to assets | -0.7069% | 6,821 |
| Return on assets (ROA) | -0.6858% | 6,849 |
| Pretax return on assets | -0.6671% | 6,809 |
| Return on Equity (ROE) | -6.3940% | 6,808 |
| Retained earnings to average equity (ytd only) | -9.6347% | 6,828 |
| Net charge-offs to loans | 4.5961% | 85 |
| Credit loss provision to net charge-offs | 103.8283% | 2,626 |
| Earnings coverage of net charge-offs (x) | 0.6972% | 4,705 |
| Efficiency ratio | 66.9417% | 4,331 |
| Assets per employee ($millions) | 3.1133% | 5,815 |
| Cash dividends to net income (ytd only)* | -50.6826% | 7,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,456 |
| Loan loss allowance to noncurrent loans | 121.1401% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0076% | 4,360 |
| Noncurrent loans to loans | 1.1581% | 4,223 |
| Net loans and leases to total assets | 42.6405% | 6,137 |
| Net loans and leases to deposits | 49.3141% | 6,217 |
| Net loans and leases to core deposits | 49.6630% | 6,355 |
| Total domestic deposits to total assets | 86.4672% | 3,091 |
| Equity capital to assets | 10.5896% | 3,579 |
| Core capital (leverage) ratio | 9.0518% | 4,836 |
| Tier 1 risk-based capital ratio | 17.4659% | 2,480 |
| Total risk-based capital ratio | 18.6104% | 2,489 |
| Memoranda: | ||
| Average total assets | $170,895,000 | 3,486 |
| Average earning assets | $156,982,330 | 3,482 |
| Average equity | $18,329,670 | 3,452 |
| Average total loans | $75,020,000 | 4,249 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 4,922 |
| Cost of funding earning assets | 0.6826% | 4,435 |
| Net interest margin | 3.5680% | 4,403 |
| Noninterest income to average assets | 0.9519% | 1,561 |
| Noninterest expense to average assets | 2.9904% | 3,286 |
| Loan and lease loss provision to assets | 0.3250% | 1,927 |
| Net operating income to assets | 0.8640% | 3,083 |
| Return on assets (ROA) | 0.8707% | 3,273 |
| Pretax return on assets | 0.9078% | 4,004 |
| Return on Equity (ROE) | 8.0676% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.7864% | 4,315 |
| Net charge-offs to loans | 0.0735% | 3,764 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 37.7143% | 782 |
| Efficiency ratio | 70.9251% | 3,638 |
| Assets per employee ($millions) | 3.2309% | 5,702 |
| Cash dividends to net income (ytd only)* | 53.0667% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 4,322 |
| Loan loss allowance to noncurrent loans | 43.4258% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 2.1328% | 2,746 |
| Noncurrent loans to loans | 3.3689% | 1,880 |
| Net loans and leases to total assets | 41.6939% | 6,221 |
| Net loans and leases to deposits | 47.5326% | 6,317 |
| Net loans and leases to core deposits | 47.8516% | 6,466 |
| Total domestic deposits to total assets | 87.7164% | 2,514 |
| Equity capital to assets | 10.7440% | 3,220 |
| Core capital (leverage) ratio | 9.5485% | 3,984 |
| Tier 1 risk-based capital ratio | 17.7523% | 2,381 |
| Total risk-based capital ratio | 18.9055% | 2,394 |
| Memoranda: | ||
| Average total assets | $172,284,000 | 3,486 |
| Average earning assets | $157,623,500 | 3,475 |
| Average equity | $18,593,000 | 3,406 |
| Average total loans | $76,177,000 | 4,237 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 4,840 |
| Cost of funding earning assets | 0.8608% | 4,386 |
| Net interest margin | 3.6973% | 4,308 |
| Noninterest income to average assets | 0.8925% | 1,700 |
| Noninterest expense to average assets | 3.1057% | 3,176 |
| Loan and lease loss provision to assets | 0.3285% | 3,056 |
| Net operating income to assets | 0.8585% | 2,775 |
| Return on assets (ROA) | 0.8686% | 2,883 |
| Pretax return on assets | 0.8781% | 3,680 |
| Return on Equity (ROE) | 8.4174% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.9454% | 2,048 |
| Net charge-offs to loans | 0.8812% | 1,976 |
| Credit loss provision to net charge-offs | 79.2507% | 4,492 |
| Earnings coverage of net charge-offs (x) | 2.8862% | 3,762 |
| Efficiency ratio | 72.1883% | 3,534 |
| Assets per employee ($millions) | 3.2094% | 5,688 |
| Cash dividends to net income (ytd only)* | 29.3673% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 5,319 |
| Loan loss allowance to noncurrent loans | 87.2029% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3686% | 3,953 |
| Noncurrent loans to loans | 1.3931% | 4,057 |
| Net loans and leases to total assets | 45.6070% | 6,044 |
| Net loans and leases to deposits | 52.0072% | 6,215 |
| Net loans and leases to core deposits | 52.7261% | 6,387 |
| Total domestic deposits to total assets | 87.6936% | 2,337 |
| Equity capital to assets | 10.8413% | 3,147 |
| Core capital (leverage) ratio | 9.7753% | 3,643 |
| Tier 1 risk-based capital ratio | 17.0895% | 2,565 |
| Total risk-based capital ratio | 18.0807% | 2,642 |
| Memoranda: | ||
| Average total assets | $167,402,600 | 3,530 |
| Average earning assets | $154,384,800 | 3,502 |
| Average equity | $17,273,800 | 3,538 |
| Average total loans | $78,760,600 | 4,178 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 5,023 |
| Cost of funding earning assets | 0.8922% | 4,453 |
| Net interest margin | 3.6710% | 4,468 |
| Noninterest income to average assets | 0.8317% | 1,919 |
| Noninterest expense to average assets | 3.0684% | 3,288 |
| Loan and lease loss provision to assets | 0.3687% | 2,647 |
| Net operating income to assets | 0.7766% | 3,271 |
| Return on assets (ROA) | 0.7901% | 3,381 |
| Pretax return on assets | 0.7973% | 4,138 |
| Return on Equity (ROE) | 7.7570% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.7393% | 2,711 |
| Net charge-offs to loans | 0.8678% | 1,830 |
| Credit loss provision to net charge-offs | 89.8635% | 3,774 |
| Earnings coverage of net charge-offs (x) | 2.8090% | 3,730 |
| Efficiency ratio | 72.6980% | 3,421 |
| Assets per employee ($millions) | 3.0542% | 6,001 |
| Cash dividends to net income (ytd only)* | 26.0123% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,799 |
| Loan loss allowance to noncurrent loans | 110.5708% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 3,863 |
| Noncurrent loans to loans | 1.2164% | 4,516 |
| Net loans and leases to total assets | 45.6759% | 6,169 |
| Net loans and leases to deposits | 51.9849% | 6,367 |
| Net loans and leases to core deposits | 52.7109% | 6,527 |
| Total domestic deposits to total assets | 87.8640% | 2,119 |
| Equity capital to assets | 10.9597% | 3,184 |
| Core capital (leverage) ratio | 9.7495% | 3,776 |
| Tier 1 risk-based capital ratio | 16.9765% | 2,652 |
| Total risk-based capital ratio | 18.0759% | 2,683 |
| Memoranda: | ||
| Average total assets | $166,728,500 | 3,566 |
| Average earning assets | $153,925,000 | 3,531 |
| Average equity | $16,982,000 | 3,588 |
| Average total loans | $78,818,000 | 4,212 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 4,988 |
| Cost of funding earning assets | 0.9321% | 4,441 |
| Net interest margin | 3.6619% | 4,459 |
| Noninterest income to average assets | 0.8274% | 1,906 |
| Noninterest expense to average assets | 3.1134% | 3,202 |
| Loan and lease loss provision to assets | 0.4462% | 2,197 |
| Net operating income to assets | 0.6325% | 3,902 |
| Return on assets (ROA) | 0.6325% | 4,023 |
| Pretax return on assets | 0.6410% | 4,612 |
| Return on Equity (ROE) | 6.3734% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.7013% | 3,192 |
| Net charge-offs to loans | 1.2657% | 1,231 |
| Credit loss provision to net charge-offs | 74.0519% | 3,946 |
| Earnings coverage of net charge-offs (x) | 1.8044% | 3,964 |
| Efficiency ratio | 74.1197% | 3,348 |
| Assets per employee ($millions) | 3.0841% | 5,912 |
| Cash dividends to net income (ytd only)* | 26.2357% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 5,174 |
| Loan loss allowance to noncurrent loans | 89.0524% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 3,728 |
| Noncurrent loans to loans | 1.4308% | 4,267 |
| Net loans and leases to total assets | 45.8854% | 6,283 |
| Net loans and leases to deposits | 52.3695% | 6,436 |
| Net loans and leases to core deposits | 53.0267% | 6,611 |
| Total domestic deposits to total assets | 87.6186% | 2,395 |
| Equity capital to assets | 10.5607% | 3,430 |
| Core capital (leverage) ratio | 9.5155% | 3,937 |
| Tier 1 risk-based capital ratio | 17.0207% | 2,510 |
| Total risk-based capital ratio | 18.0627% | 2,564 |
| Memoranda: | ||
| Average total assets | $166,311,670 | 3,594 |
| Average earning assets | $153,200,330 | 3,571 |
| Average equity | $16,506,000 | 3,649 |
| Average total loans | $79,166,670 | 4,251 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 5,079 |
| Cost of funding earning assets | 0.9534% | 4,539 |
| Net interest margin | 3.6165% | 4,499 |
| Noninterest income to average assets | 0.8513% | 1,849 |
| Noninterest expense to average assets | 2.6899% | 4,875 |
| Loan and lease loss provision to assets | 0.6677% | 1,281 |
| Net operating income to assets | 0.8132% | 2,960 |
| Return on assets (ROA) | 0.8132% | 3,024 |
| Pretax return on assets | 0.8227% | 3,818 |
| Return on Equity (ROE) | 8.4573% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.3581% | 1,599 |
| Net charge-offs to loans | -0.0248% | 6,639 |
| Credit loss provision to net charge-offs | -5,600.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3468% | 5,308 |
| Assets per employee ($millions) | 3.1032% | 5,940 |
| Cash dividends to net income (ytd only)* | 1.1730% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7567% | 3,146 |
| Loan loss allowance to noncurrent loans | 83.8690% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 2.0827% | 3,217 |
| Noncurrent loans to loans | 2.0946% | 3,450 |
| Net loans and leases to total assets | 46.1545% | 6,272 |
| Net loans and leases to deposits | 51.7601% | 6,492 |
| Net loans and leases to core deposits | 52.3820% | 6,661 |
| Total domestic deposits to total assets | 89.1700% | 1,662 |
| Equity capital to assets | 9.7719% | 4,068 |
| Core capital (leverage) ratio | 9.3733% | 4,009 |
| Tier 1 risk-based capital ratio | 16.3730% | 2,721 |
| Total risk-based capital ratio | 17.6249% | 2,689 |
| Memoranda: | ||
| Average total assets | $167,740,000 | 3,593 |
| Average earning assets | $154,401,500 | 3,574 |
| Average equity | $16,128,000 | 3,704 |
| Average total loans | $80,765,000 | 4,229 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8037% | 5,398 |
| Cost of funding earning assets | 1.3021% | 3,868 |
| Net interest margin | 3.5016% | 5,245 |
| Noninterest income to average assets | 0.9719% | 1,602 |
| Noninterest expense to average assets | 2.9353% | 4,088 |
| Loan and lease loss provision to assets | 0.4374% | 3,497 |
| Net operating income to assets | 0.8058% | 2,774 |
| Return on assets (ROA) | 0.8058% | 2,907 |
| Pretax return on assets | 0.8127% | 3,588 |
| Return on Equity (ROE) | 7.8208% | 2,770 |
| Retained earnings to average equity (ytd only) | 4.1288% | 2,962 |
| Net charge-offs to loans | 0.8555% | 2,496 |
| Credit loss provision to net charge-offs | 102.0710% | 4,437 |
| Earnings coverage of net charge-offs (x) | 2.9172% | 3,617 |
| Efficiency ratio | 70.1303% | 4,152 |
| Assets per employee ($millions) | 3.1094% | 5,862 |
| Cash dividends to net income (ytd only)* | 47.2069% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 4,870 |
| Loan loss allowance to noncurrent loans | 61.9289% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 2.1625% | 3,142 |
| Noncurrent loans to loans | 2.1412% | 3,380 |
| Net loans and leases to total assets | 48.6618% | 6,315 |
| Net loans and leases to deposits | 54.5783% | 6,561 |
| Net loans and leases to core deposits | 55.6409% | 6,712 |
| Total domestic deposits to total assets | 89.1595% | 1,558 |
| Equity capital to assets | 9.4582% | 4,455 |
| Core capital (leverage) ratio | 9.2594% | 4,086 |
| Tier 1 risk-based capital ratio | 15.5563% | 2,973 |
| Total risk-based capital ratio | 16.6640% | 2,997 |
| Memoranda: | ||
| Average total assets | $157,736,800 | 3,741 |
| Average earning assets | $144,762,000 | 3,731 |
| Average equity | $16,251,600 | 3,713 |
| Average total loans | $79,015,800 | 4,368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 5,224 |
| Cost of funding earning assets | 1.3472% | 3,919 |
| Net interest margin | 3.5613% | 5,057 |
| Noninterest income to average assets | 0.9201% | 1,724 |
| Noninterest expense to average assets | 3.0164% | 3,685 |
| Loan and lease loss provision to assets | 0.2964% | 4,204 |
| Net operating income to assets | 0.8660% | 2,760 |
| Return on assets (ROA) | 0.8660% | 2,888 |
| Pretax return on assets | 0.8754% | 3,644 |
| Return on Equity (ROE) | 8.2229% | 2,816 |
| Retained earnings to average equity (ytd only) | 3.8177% | 3,774 |
| Net charge-offs to loans | 0.9684% | 2,060 |
| Credit loss provision to net charge-offs | 60.8466% | 5,668 |
| Earnings coverage of net charge-offs (x) | 2.4056% | 3,974 |
| Efficiency ratio | 72.0205% | 3,693 |
| Assets per employee ($millions) | 3.0379% | 6,064 |
| Cash dividends to net income (ytd only)* | 53.5711% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0723% | 6,059 |
| Loan loss allowance to noncurrent loans | 86.8077% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.7148% | 3,874 |
| Noncurrent loans to loans | 1.2352% | 4,784 |
| Net loans and leases to total assets | 49.3947% | 6,387 |
| Net loans and leases to deposits | 55.8953% | 6,626 |
| Net loans and leases to core deposits | 57.2551% | 6,780 |
| Total domestic deposits to total assets | 88.3701% | 1,749 |
| Equity capital to assets | 10.4971% | 3,521 |
| Core capital (leverage) ratio | 9.5891% | 3,781 |
| Tier 1 risk-based capital ratio | 15.8977% | 2,810 |
| Total risk-based capital ratio | 16.7981% | 2,937 |
| Memoranda: | ||
| Average total assets | $155,194,000 | 3,839 |
| Average earning assets | $142,417,250 | 3,825 |
| Average equity | $16,344,250 | 3,750 |
| Average total loans | $78,068,500 | 4,467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 5,093 |
| Cost of funding earning assets | 1.3798% | 4,004 |
| Net interest margin | 3.5883% | 4,870 |
| Noninterest income to average assets | 0.9161% | 1,636 |
| Noninterest expense to average assets | 3.0407% | 3,553 |
| Loan and lease loss provision to assets | 0.2349% | 4,565 |
| Net operating income to assets | 0.9200% | 2,471 |
| Return on assets (ROA) | 0.9200% | 2,573 |
| Pretax return on assets | 0.9292% | 3,390 |
| Return on Equity (ROE) | 8.7260% | 2,572 |
| Retained earnings to average equity (ytd only) | 3.6884% | 3,754 |
| Net charge-offs to loans | 0.5667% | 2,839 |
| Credit loss provision to net charge-offs | 82.1918% | 4,649 |
| Earnings coverage of net charge-offs (x) | 4.0731% | 3,065 |
| Efficiency ratio | 72.3153% | 3,766 |
| Assets per employee ($millions) | 2.7390% | 6,713 |
| Cash dividends to net income (ytd only)* | 57.7305% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,658 |
| Loan loss allowance to noncurrent loans | 98.2143% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8268% | 3,726 |
| Noncurrent loans to loans | 1.3787% | 4,639 |
| Net loans and leases to total assets | 49.6342% | 6,474 |
| Net loans and leases to deposits | 56.4106% | 6,688 |
| Net loans and leases to core deposits | 57.9632% | 6,829 |
| Total domestic deposits to total assets | 87.9875% | 2,012 |
| Equity capital to assets | 10.7907% | 3,079 |
| Core capital (leverage) ratio | 9.7884% | 3,421 |
| Tier 1 risk-based capital ratio | 16.3288% | 2,543 |
| Total risk-based capital ratio | 17.4628% | 2,540 |
| Memoranda: | ||
| Average total assets | $153,256,330 | 3,899 |
| Average earning assets | $140,457,000 | 3,896 |
| Average equity | $16,158,670 | 3,766 |
| Average total loans | $77,294,330 | 4,531 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 5,305 |
| Cost of funding earning assets | 1.4111% | 4,108 |
| Net interest margin | 3.5205% | 5,085 |
| Noninterest income to average assets | 0.8773% | 1,710 |
| Noninterest expense to average assets | 2.8696% | 4,190 |
| Loan and lease loss provision to assets | 0.1958% | 4,545 |
| Net operating income to assets | 1.0131% | 2,135 |
| Return on assets (ROA) | 1.0131% | 2,202 |
| Pretax return on assets | 1.0235% | 2,995 |
| Return on Equity (ROE) | 9.7228% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.7635% | 2,732 |
| Net charge-offs to loans | -0.0621% | 7,404 |
| Credit loss provision to net charge-offs | -625.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1788% | 4,267 |
| Assets per employee ($millions) | 2.7681% | 6,716 |
| Cash dividends to net income (ytd only)* | 40.7216% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 3,710 |
| Loan loss allowance to noncurrent loans | 73.3709% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.0290% | 3,466 |
| Noncurrent loans to loans | 2.0949% | 3,663 |
| Net loans and leases to total assets | 49.2716% | 6,545 |
| Net loans and leases to deposits | 56.0178% | 6,773 |
| Net loans and leases to core deposits | 57.7898% | 6,893 |
| Total domestic deposits to total assets | 87.9570% | 2,089 |
| Equity capital to assets | 10.5665% | 3,183 |
| Core capital (leverage) ratio | 9.7413% | 3,464 |
| Tier 1 risk-based capital ratio | 16.3753% | 2,491 |
| Total risk-based capital ratio | 17.6259% | 2,449 |
| Memoranda: | ||
| Average total assets | $153,193,500 | 3,958 |
| Average earning assets | $139,751,500 | 3,971 |
| Average equity | $15,962,500 | 3,831 |
| Average total loans | $77,354,000 | 4,593 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 5,666 |
| Cost of funding earning assets | 1.7622% | 4,193 |
| Net interest margin | 3.4345% | 5,242 |
| Noninterest income to average assets | 0.9661% | 1,678 |
| Noninterest expense to average assets | 3.0250% | 4,052 |
| Loan and lease loss provision to assets | 0.1936% | 5,793 |
| Net operating income to assets | 0.8569% | 2,321 |
| Return on assets (ROA) | 0.8583% | 2,391 |
| Pretax return on assets | 0.8666% | 3,029 |
| Return on Equity (ROE) | 8.0548% | 2,347 |
| Retained earnings to average equity (ytd only) | 3.6866% | 2,609 |
| Net charge-offs to loans | 0.2535% | 5,034 |
| Credit loss provision to net charge-offs | 142.8571% | 3,365 |
| Earnings coverage of net charge-offs (x) | 7.8112% | 2,062 |
| Efficiency ratio | 74.0728% | 3,882 |
| Assets per employee ($millions) | 2.8026% | 6,653 |
| Cash dividends to net income (ytd only)* | 54.2305% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,335 |
| Loan loss allowance to noncurrent loans | 38.8809% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 3,585 |
| Noncurrent loans to loans | 3.5506% | 2,139 |
| Net loans and leases to total assets | 50.2391% | 6,619 |
| Net loans and leases to deposits | 57.0352% | 6,850 |
| Net loans and leases to core deposits | 64.4128% | 7,065 |
| Total domestic deposits to total assets | 88.0843% | 1,931 |
| Equity capital to assets | 10.2750% | 3,431 |
| Core capital (leverage) ratio | 9.9112% | 3,179 |
| Tier 1 risk-based capital ratio | 16.2468% | 2,416 |
| Total risk-based capital ratio | 17.4409% | 2,373 |
| Memoranda: | ||
| Average total assets | $144,595,800 | 4,036 |
| Average earning assets | $131,254,800 | 4,060 |
| Average equity | $15,407,000 | 3,989 |
| Average total loans | $77,325,800 | 4,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 5,639 |
| Cost of funding earning assets | 1.8228% | 4,271 |
| Net interest margin | 3.4360% | 5,129 |
| Noninterest income to average assets | 0.9816% | 1,668 |
| Noninterest expense to average assets | 3.0649% | 3,786 |
| Loan and lease loss provision to assets | 0.1922% | 5,459 |
| Net operating income to assets | 0.8382% | 2,664 |
| Return on assets (ROA) | 0.8391% | 2,721 |
| Pretax return on assets | 0.8466% | 3,393 |
| Return on Equity (ROE) | 7.7997% | 2,725 |
| Retained earnings to average equity (ytd only) | 3.2506% | 3,493 |
| Net charge-offs to loans | -0.0208% | 7,769 |
| Credit loss provision to net charge-offs | -1,708.3333% | 7,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7029% | 3,739 |
| Assets per employee ($millions) | 2.6661% | 6,921 |
| Cash dividends to net income (ytd only)* | 58.3240% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 3,133 |
| Loan loss allowance to noncurrent loans | 42.7768% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.5137% | 2,758 |
| Noncurrent loans to loans | 3.6637% | 2,039 |
| Net loans and leases to total assets | 53.0916% | 6,484 |
| Net loans and leases to deposits | 60.9901% | 6,749 |
| Net loans and leases to core deposits | 69.2182% | 7,004 |
| Total domestic deposits to total assets | 87.0496% | 2,158 |
| Equity capital to assets | 10.8938% | 3,121 |
| Core capital (leverage) ratio | 10.1371% | 3,133 |
| Tier 1 risk-based capital ratio | 16.1837% | 2,563 |
| Total risk-based capital ratio | 17.4346% | 2,501 |
| Memoranda: | ||
| Average total assets | $142,209,500 | 4,090 |
| Average earning assets | $129,177,500 | 4,122 |
| Average equity | $15,299,250 | 4,042 |
| Average total loans | $77,026,500 | 4,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 5,997 |
| Cost of funding earning assets | 1.8445% | 4,542 |
| Net interest margin | 3.3775% | 5,260 |
| Noninterest income to average assets | 1.0083% | 1,566 |
| Noninterest expense to average assets | 3.0899% | 3,740 |
| Loan and lease loss provision to assets | 0.1977% | 5,077 |
| Net operating income to assets | 0.7909% | 2,885 |
| Return on assets (ROA) | 0.7922% | 2,976 |
| Pretax return on assets | 0.7993% | 3,678 |
| Return on Equity (ROE) | 7.3957% | 3,030 |
| Retained earnings to average equity (ytd only) | 1.6083% | 4,435 |
| Net charge-offs to loans | -0.0495% | 7,847 |
| Credit loss provision to net charge-offs | -736.8421% | 7,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6308% | 3,756 |
| Assets per employee ($millions) | 2.6976% | 6,839 |
| Cash dividends to net income (ytd only)* | 78.2531% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,212 |
| Loan loss allowance to noncurrent loans | 51.1926% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1249% | 3,026 |
| Noncurrent loans to loans | 2.9263% | 2,457 |
| Net loans and leases to total assets | 53.3031% | 6,532 |
| Net loans and leases to deposits | 61.1350% | 6,808 |
| Net loans and leases to core deposits | 69.6151% | 7,040 |
| Total domestic deposits to total assets | 87.1892% | 2,151 |
| Equity capital to assets | 10.5768% | 3,318 |
| Core capital (leverage) ratio | 10.1330% | 3,155 |
| Tier 1 risk-based capital ratio | 16.2899% | 2,521 |
| Total risk-based capital ratio | 17.5290% | 2,468 |
| Memoranda: | ||
| Average total assets | $141,622,000 | 4,146 |
| Average earning assets | $129,031,670 | 4,155 |
| Average equity | $15,171,000 | 4,086 |
| Average total loans | $76,817,330 | 4,710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 6,322 |
| Cost of funding earning assets | 1.8916% | 4,667 |
| Net interest margin | 3.3018% | 5,491 |
| Noninterest income to average assets | 1.0018% | 1,479 |
| Noninterest expense to average assets | 2.9316% | 4,050 |
| Loan and lease loss provision to assets | 0.1703% | 4,763 |
| Net operating income to assets | 0.9082% | 2,670 |
| Return on assets (ROA) | 0.9110% | 2,803 |
| Pretax return on assets | 0.9195% | 3,645 |
| Return on Equity (ROE) | 8.4499% | 2,944 |
| Retained earnings to average equity (ytd only) | 4.8172% | 3,225 |
| Net charge-offs to loans | -0.0261% | 7,516 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9520% | 4,015 |
| Assets per employee ($millions) | 2.7140% | 6,854 |
| Cash dividends to net income (ytd only)* | 42.9907% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 3,363 |
| Loan loss allowance to noncurrent loans | 47.5446% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 2.1357% | 2,694 |
| Noncurrent loans to loans | 2.9963% | 2,179 |
| Net loans and leases to total assets | 52.2193% | 6,663 |
| Net loans and leases to deposits | 60.5039% | 6,855 |
| Net loans and leases to core deposits | 69.6293% | 7,043 |
| Total domestic deposits to total assets | 86.3073% | 2,550 |
| Equity capital to assets | 10.9059% | 3,063 |
| Core capital (leverage) ratio | 10.3688% | 3,053 |
| Tier 1 risk-based capital ratio | 16.8862% | 2,370 |
| Total risk-based capital ratio | 18.1384% | 2,308 |
| Memoranda: | ||
| Average total assets | $140,946,500 | 4,173 |
| Average earning assets | $128,778,000 | 4,178 |
| Average equity | $15,195,500 | 4,106 |
| Average total loans | $76,542,000 | 4,747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0490% | 5,304 |
| Cost of funding earning assets | 2.5585% | 3,911 |
| Net interest margin | 3.4905% | 5,329 |
| Noninterest income to average assets | 0.9834% | 1,632 |
| Noninterest expense to average assets | 3.0450% | 3,921 |
| Loan and lease loss provision to assets | 0.0382% | 6,934 |
| Net operating income to assets | 1.1060% | 2,124 |
| Return on assets (ROA) | 1.1310% | 1,942 |
| Pretax return on assets | 1.1386% | 2,884 |
| Return on Equity (ROE) | 10.5492% | 2,071 |
| Retained earnings to average equity (ytd only) | 5.0571% | 1,996 |
| Net charge-offs to loans | 0.1400% | 4,821 |
| Credit loss provision to net charge-offs | 49.0196% | 6,362 |
| Earnings coverage of net charge-offs (x) | 14.7647% | 2,003 |
| Efficiency ratio | 72.5583% | 3,835 |
| Assets per employee ($millions) | 2.7071% | 6,770 |
| Cash dividends to net income (ytd only)* | 52.0622% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 3,951 |
| Loan loss allowance to noncurrent loans | 303.9514% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7836% | 4,889 |
| Noncurrent loans to loans | 0.4201% | 6,084 |
| Net loans and leases to total assets | 54.9305% | 6,552 |
| Net loans and leases to deposits | 63.0362% | 6,876 |
| Net loans and leases to core deposits | 71.6407% | 7,101 |
| Total domestic deposits to total assets | 87.1412% | 1,870 |
| Equity capital to assets | 10.6559% | 3,335 |
| Core capital (leverage) ratio | 10.4321% | 3,036 |
| Tier 1 risk-based capital ratio | 16.1446% | 2,610 |
| Total risk-based capital ratio | 17.2833% | 2,597 |
| Memoranda: | ||
| Average total assets | $130,773,400 | 4,264 |
| Average earning assets | $120,384,000 | 4,251 |
| Average equity | $14,020,000 | 4,334 |
| Average total loans | $72,882,400 | 4,775 |